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INFORMASI EKSPOSUR
RISIKO DAN PERMODALAN
Information on Risk Exposure
and Capital
05
Laporan Tahunan 2023
510 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 2
2023 Annual Report PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 511
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INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
Struktur
Beberapa perkembangan peraturan yang signifikan mempengaruhi kondisi
operasional dan bisnis bank bjb ke depan antara lain tercermin dari terbitnya
Permodalan
Peraturan Otoritas Jasa Keuangan Nomor 12/POJK.03/2021 tentang Bank
Umum. Berdasarkan POJK tersebut bank bjb yang sebelumnya dalam ketegori
Capital Structure Bank Umum berdasarkan Kegiatan Usaha (BUKU) III menjadi Kelompok Bank
Berdasarkan Modal Inti (KBMI) 2 (Bank dengan Modal Inti lebih dari Rp6 triliun
sampai dengan Rp14 triliun). Masuknya modal inti bank bjb dalam kategori
KBMI 2 membuat kegiatan usaha yang dapat dilakukan oleh bank bjb menjadi
lebih luas, serta dapat meningkatkan kepercayaan nasabah dalam melakukan
aktivitas kegiatan perbankannya melalui bank bjb. Per akhir Desember 2023,
modal inti dan modal pelengkap bank bjb (audited) mencapai Rp17,61
triliun (individu) Rp18,91 triliun (konsolidasi) dan berada pada kategori KBMI
2. Strategi permodalan yang efektif, kuat dan efisien telah menjadi fokus
manajemen seiring dengan terus bertumbuhnya bank bjb menjadi bank yang
semakin besar dan semakin kuat.
Komponen permodalan bank bjb didominasi oleh komponen permodalan
yang bersifat permanen, dimana komponen modal inti merupakan komponen
terbesar dalam struktur permodalan bank. Pada posisi bulan Desember 2023
rasio modal inti bank bjb baik secara individual dan konsolidasi terhadap total
ATMR bank mencapai 20,05% dan 20,17%. Rasio tersebut berada di atas
ketentuan yang ditetapkan oleh Bank Indonesia dengan batasan minimum yaitu
6% baik secara individual maupun konsolidasi. Perhitungan rasio modal inti
utama (Common Equity Tier 1 Ratio) terhadap total ATMR bank baik secara
individual dan konsolidasi di bulan Desember 2023 mencapai 15,25% dan
15,61% yang berada di atas ketentuan yang telah ditetapkan Bank Indonesia
dengan batasan minimum yaitu 4,50%.
Several regulatory developments that significantly affected the operational and
business conditions of bank bjb in the future are reflected in the issuance of
the Financial Services Authority (OJK) Regulation Number 12/POJK.03/2021
concerning Commercial Banks. Based on the OJK Regulation, bank bjb, which
was previously in the category of Commercial Banks based on Business Activities
(BUKU) III, became a Group of Banks Based on Core Capital (KBMI) 2 (Banks with
a Core Capital of more than IDR6 trillion to IDR14 trillion). The inclusion of bank
bjb core capital in the KBMI 2 category made business activities that could be
carried out by bank bjb wider, and can increase customer confidence in carrying
out banking activities through bank bjb. As of the end of December 2023, bank
bjb core capital and supplementary capital (audited) reached IDR17.61 trillion
(bank only) IDR18.91 trillion (consolidated). An effective, strong, and efficient
capital strategy became the focus of management as bank bjb continued to
grow to become a bigger and stronger bank.
bank bjb capital component was dominated by the permanent capital
component, the core capital component was the largest component in the
bank’s capital structure. In December 2023, the ratio of bank bjb core capital,
both bank only and consolidated, to the bank’s total RWA reached 20.05%
and 20.17%. This ratio was above the provisions stipulated by Bank Indonesia
with a minimum limit of 6% both individually and consolidated. The calculation
of Common Equity Tier 1 Ratio to the total RWA of banks both individually
and consolidated in December 2023 reached 15.25% and 15.61% which was
above the provisions set by Bank Indonesia with a minimum limit of 4.50%.
Laporan Tahunan 2023
512 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 4
INFORMATION ON RISK EXPOSURE
AND CAPITAL
Kecukupan Permodalan Adequacy of Capital
Sebagai salah satu pengungkapan Basel II Pilar III, Otoritas Jasa As one of the Basel II Pillar III disclosures, the Financial Services
Keuangan telah menerbitkan Surat Edaran Otoritas Jasa Keuangan Authority (OJK) issued a Circular Letter Number 26/ SEOJK.03/2016
Nomor 26/SEOJK.03/2016 tanggal 14 Juli 2016 perihal Kewajiban dated July 14, 2016, concerning Minimum Capital Requirements
Penyediaan Modal Minimum sesuai Profil Risiko dan Pemenuhan in accordance with Risk Profile and Fulfillment of Capital
Capital Equivalency Maintained Assets (CEMA). Sehubungan Equivalency Maintained Assets (CEMA). In this regard, bank has
hal tersebut, bank telah mengembangkan dan menerapkan developed and implemented a methodology for implementing
metodologi untuk penerapan Internal Capital Adequacy the Internal Capital Adequacy Assessment Process (ICAAP) where
Assessment Process (ICAAP) dimana metodologi tersebut telah the methodology has been discussed and approved in bank bjb
dibahas dan disetujui dalam Komite Manajemen Risiko bank bjb. Risk Management Committee. The report on the minimum capital
Laporan rasio kecukupan penyediaan modal minimum sesuai Profil adequacy ratio in accordance with the Risk Profile is reported
Risiko dilaporkan secara berkala kepada Dewan Komisaris dan regularly to the Board of Commissioners and Board of Directors
Direksi sebagai salah satu bentuk kepatuhan terhadap ketentuan as a form of compliance with the provisions of the OJK Circular
Surat Edaran Otoritas Jasa Keuangan tersebut. Letter.
Pengukuran internal yang dilakukan bank telah memperhitungkan Internal measurements carried out by bank considered Pillar I
Pilar I dan Pilar II yaitu rasio kecukupan modal bank minimum sesuai and Pillar II, namely the minimum bank capital adequacy ratio
profil risiko baik secara individual maupun konsolidasi di bulan according to the risk profile both individually and consolidated in
Desember 2023 mencapai 9,17% dimana hasil pengukuran profil December 2022 reaching 9.24%. The results of the measurement
risiko bank pada periode tersebut berada pada level peringkat of the bank’s risk profile for that period were at the composite Low
komposit Low to Moderate. Pada posisi bulan Desember 2023 to Moderate rating level. In December 2023, the minimum capital
rasio kecukupan modal minimum bank baik secara individual adequacy ratio for bank only was 20.05% and consolidated at
sebesar 20,05% serta konsolidasi sebesar 20,17%. 20.17%.
Sejalan telah diterbitkannya POJK Nomor 11/POJK.03/2016 In line with the issuance of the Financial Services Authority
tanggal 29 Januari 2016 perihal Kewajiban Penyediaan Modal (OJK) Regulation Number 11/POJK.03/2016 dated January
Minimum bank Umum, saat ini bank telah mempersiapkan 29, 2016, concerning the Minimum Capital Requirement for
infrastruktur yang baik dan efektif dalam rangka memastikan Commercial Banks, currently bank has prepared a good and
implementasi POJK tersebut tidak mengganggu ekspansi bisnis dan effective infrastructure in order to ensure the implementation of
aktivitas operasional bank bjb. Sesuai POJK tersebut, bank harus the OJK Regulation does not disrupt the business expansion and
menyediakan rasio kecukupan modal minimum sesuai profil risiko operational activities of bank bjb. In accordance with the OJK
bank ditambah dengan Capital Conservation Buffer, Countercylical Regulation, banks must provide a minimum capital adequacy ratio
Buffer dan Capital Surcharge untuk D-SIB (Domestic Systemically according to bank risk profile plus a Capital Conservation Buffer,
Important bank). Capital Conservation Buffer tersebut diperlukan Countercylical Buffer and Capital Surcharge for D-SIB (Domestic
oleh bank sebagai upaya penyangga (buffer) dalam menghadapi Systemically Important Bank). The Capital Conservation Buffer is
kerugian akibat kondisi krisis, sedangkan Countercylical Buffer needed by banks as a buffering effort in dealing with losses due
dibutuhkan bank sebagai tambahan modal penyangga untuk to crisis conditions, while the Countercylical Buffer is needed by
mengantisipasi kerugian apabila terjadi pertumbuhan kredit banks as additional buffer capital to anticipate losses in the event
perbankan yang berlebihan sehingga berpotensi mengganggu of excessive bank loan growth that has the potential to disrupt
stabilitas sistem keuangan. financial system stability.
Bank selalu melakukan perbaikan dan pengembangan baik dari The bank always makes improvements and developments both
segi produk dan jasa serta peningkatan infrastruktur manajemen in terms of products and services as well as improving the bank
risiko bank melalui analisis yang komprehensif disertai dengan riset risk management infrastructure through comprehensive analysis
yang memadai sehingga dapat menjaga agar aktivitas bisnis dan accompanied by adequate research so that it can maintain
operasional bank tetap prudent dan berada dalam batas toleransi activities the bank business and operations remain prudent and
risiko bank. Selain itu pula, bank telah menetapkan risk appetite are within the limits of bank risk tolerance. In addition, the bank
dan risk tolerance agar kecukupan permodalan yang dimiliki bank has determined risk appetite and risk tolerance so that the capital
masih memadai dan mampu mengcover kerugian ataupun potensi adequacy of the bank is still sufficient and able to cover losses or
risiko kerugian yang timbul dari aktivitas operasional bank. potential risk of losses arising from the bank operational activities.
Pengelolaan modal risiko kredit bank bjb berpedoman pada The management of bank bjb credit risk is guided by the the
Surat Edaran Otoritas Jasa Keuangan nomor 42/SEOJK.03/2016 Financial Services Authority (OJK) Circular Letter Number 42/
tanggal 28 September 2016 perihal Pedoman Perhitungan SEOJK.03/2016 dated September 28, 2016, concerning Guidelines
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 513
Page 5
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
Aset Tertimbang Menurut Risiko untuk Risiko Kredit dengan for Calculating Risk Weighted Assets for Risk for Credit Risk by
Menggunakan Pendekatan Standar. Penetapan bobot risiko Using a Standardized Approach. The determination of risk weight
pada perhitungan ATMR mengacu kepada bobot risiko sesuai in the calculation of RWA refers to the risk weight in accordance
ketentuan Otoritas Jasa Keuangan dimaksud. with the provisions of the Financial Services Authority in question.
Dalam mengukur ATMR Risiko Pasar, bank mempergunakan In measuring Market Risk RWA, banks still use the standardized
format standardized method yang meliputi perhitungan risiko method format which includes the calculation of interest rate
suku bunga dan risiko nilai tukar dengan berpedoman pada risk and exchange rate risk with reference to the the Financial
Surat Edaran Otoritas Jasa Keuangan nomor 38/SEOJK.03/2016 Services Authority (OJK) Circular Letter number 38/SEOJK.03/2016
tanggal 8 September 2016 tentang Pedoman Penggunaan dated September 8, 2016, concerning Guidelines for Using the
Metode Standar dalam Perhitungan Kewajiban Penyediaan Modal Standard Method in Calculating the Minimum Capital Adequacy
Minimum Bank Umum dengan Memperhitungkan Risiko Pasar. Requirement for Commercial Banks by Taking Market Risk into
Sesuai dengan pedoman yang ditetapkan oleh bank Indonesia, Account. In accordance with the guidelines set by Bank Indonesia,
risiko pasar yang wajib dihitung oleh bank adalah risiko suku market risks that must be calculated by bank are interest rate risk
bunga di trading book dan risiko nilai tukar di trading book dan in the trading book and exchange rate risk in the trading book and
banking book. Sebagai upaya ke tahap pengembangan internal banking book. As an effort to develop the internal model, bank
model, bank telah melakukan pengukuran Value at Risk, dan has an OPICS Risk information system that functions in measuring
sensitivitas risiko dari portfolio dealing room untuk setiap efek Value at Risk, and risk sensitivity from dealing room portfolio for
yang dikategorikan ke dalam Trading Book. each securities categorized in the Trading Book.
Perhitungan kecukupan modal risiko operasional masih The calculation of operational risk capital adequacy uses a
menggunakan metode pendekatan standar yang dilakukan standard approach method which is carried out in accordance
sesuai dengan Surat Edaran Otoritas Jasa Keuangan nomor 6/ with the Financial Services Authority (OJK) Circular Letter Number.
SEOJK.03/2020 tanggal 29 April 2020 tentang Perhitungan 6/SEOJK.03/2020 dated April 29, 2020, concerning Calculation
Aset Tertimbang Menurut Risiko Untuk Risiko Operasional of Risk-Weighted Assets for Operational Risk Using the Standard
dengan Menggunakan Pendekatan Standar Bagi Bank Umum. Approach for Commercial Banks. Based on this method, the
Berdasarkan metode tersebut, Perusahaan mengalokasikan modal Company allocates minimum capital for operational risk based on
minimum untuk risiko operasional berdasarkan hasil perkalian the product of the Business Indicator Component (KIB) and the
antara Komponen Indikator Bisnis (KIB) dan Faktor Pengali Internal Loss Multiplier Factor (FPKI). The calculation of operational
Kerugian Intern (FPKI). Perhitungan kecukupan modal risiko risk capital adequacy is the basis for calculation of Operational
operasional tersebut menjadi dasar dalam perhitungan ATMR Risk RWA.
Risiko Operasional.
Pengungkapan Kuantitatif Quantitative Disclosure
Tabel 1.a Pengungkapan Kuantitatif Struktur Permodalan Bank Umum
Table of 1.a Quantitative Disclosure of Commercial Bank Capital Structure (dalam jutaan Rupiah/in IDR million)
2023 2022
Komponen Modal
Capital Component Konsolidasi Konsolidasi
Bank Bank
Consolidation Consolidation
KOMPONEN MODAL
CAPITAL COMPONENT
Modal Inti (Tier 1)
13,392,970 14,632,831 12,812,367 14,153,318
Core Capital (Tier 1)
Modal Inti Utama (CET1)
13,392,970 14,632,831 12,812,367 14,153,318
Common Equity (CET1)
Modal Disetor
2,630,361 2,630,361 2,630,361 2,630,361
Paid-up capital
Cadangan Tambahan Modal
12,783,347 12,219,214 12,179,677 11,698,354
Capital reserves
Kepentingan Non Pengendali yang dapat diperhitungkan
- - - -
Non-Controlling Interests that can be taken into account
Faktor Pengurang Modal Inti
(2,020,738) (216,744) (1,997,671) (175,397)
Core Capital Reduction Factor
Laporan Tahunan 2023
514 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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INFORMATION ON RISK EXPOSURE
AND CAPITAL
2023 2022
Komponen Modal
Capital Component Konsolidasi Konsolidasi
Bank Bank
Consolidation Consolidation
Modal Inti Tambahan (AT1)
- - - -
Additional Core Capital
Modal Pelengkap (Tier 2)
4,209,279 4,279,495 4,147,915 4,216,313
Supplementary Capital (Tier 2)
Instrumen modal dalam bentuk saham atau lainnya yang memenuhi
persyaratan Tier 2
3,257,215 3,257,215 3,271,366 3,271,366
Capital instruments in the form of shares or other that meet Tier 2
requirements
Agio/Disagio - - - -
Cadangan umum PPKA atas aset produktif yang wajib dihitung
(paling tinggi 1,25% ATMR Risiko Kredit)
952,064 1,022,280 876,549 944,947
PPKA general reserves for productive assets that must be calculated
(maximum 1.25% RWA Credit Risk)
Faktor Pengurang Modal Pelengkap
- - - -
Complimentary Capital Reduction Factors
Total Modal Inti dan Modal Pelengkap
17,602,249 18,912,326 16,960,282 18,369,631
Total Core Capital and Supplementary Capital
ASET TERTIMBANG MENURUT RISIKO (ATMR)
RISK WEIGHTED ASSETS
Aset Tertimbang Menurut Risiko (ATMR) Untuk Risiko Kredit
76,163,664 81,782,417 70,123,950 75,595,792
Risk Weighted Assets (RWA) for Credit Risk
Aset Tertimbang Menurut Risiko (ATMR) Untuk Risiko Operasional
6,703,526 7,050,353 3,482,497 3,482,497
Risk Weighted Assets (RWA) for Operational Risk
Aset Tertimbang Menurut Risiko (ATMR) Untuk Risiko Pasar
4,929,560 4,929,560 14,786,531 15,586,791
Risk Weighted Assets (RWA) for Market Risk
Total ATMR
87,796,750 93,762,330 88,392,978 94,665,080
Total Risk Weighted Assets
Rasio KPMM Sesuai Profil Risiko (%)
9.24% 9.24% 9.24% 9.24%
CAR Ratio According to Risk Profile
ALOKASI PEMENUHAN KPMM SESUAI PROFIL RISIKO
CAR FULFILLMENT ALLOCATION ACCORDING TO RISK PROFILE
Dari CET 1
4.450% 4.666% 6.740% 6.880%
From CET 1
Dari AT 1
0.00% 0.00% 6.74% 0.00%
From AT 1
Dari Tier 2
4.79% 4.57% 2.50% 2.36%
From Tier 2
RASIO KPMM
CAR RATIO
Rasio CET1 (%)
15.25% 15.61% 14.49% 14.95%
Ratio CET1 (%)
Rasio Tier 1 (%)
15.25% 15.61% 14.49% 14.95%
Ratio Tier 1 (%)
Rasio Tier 2 (%)
4.79% 4.56% 4.69% 4.45%
Ratio Tier 2 (%)
Rasio KPMM (%)
20.05% 20.17% 19.19% 19.40%
CAR Ratio (%)
CET 1 untuk Buffer (%)
10.80% 9.24 9.24% 8.93%
CET 1 for BUFFER (%)
PERSENTASE BUFFER YANG WAJIB DIPENUHI OLEH BANK
PERCENTAGE OF BUFFERS THAT MUST BE FULFILLED BY THE BANK
Capital Conservation Buffer (%) 2.50% 2.50% 2.50% 2.50%
Countercyclical Buffer (%) 0.00% 0.00% 0.00% 0.00%
Capital Surcharge Untuk Bank Sistemik (%)
1.00% 1.00% 1.00% 1.00%
Capital Surcharge for Systemic Banks
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 515
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INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
Informasi Eksposur Risiko
Risk Exposure Information
Pengungkapan Eksposur Risiko Disclosure of Risk Exposures and
dan Penerapan Manajemen Risiko Application of Risk Management
Risiko Kredit Credit Risk
bank bjb menerapkan proses yang ketat pada setiap penyusunan bank bjb applies a strict process for each preparation and
maupun perubahan ketentuan internal bank bjb. Penyusunan amendment to each bank bjb internal regulations. The preparation
maupun perubahan KPB, SOP, pedoman, maupun petunjuk teknis and amendment to the KPB, SOP, Guidelines and Credit Technical
perkreditan dilakukan melalui tahapan berjenjang dimulai dari Instructions are carried out through a tiered phase which starts
pembahasan pada level teknis hingga melalui persetujuan Direksi. from discussion at the technical level to through the approval of
bank bjb juga telah memiliki standar baku dalam alur penyusunan Board of Directors. bank bjb has also owned a standard in the
ketentuan sehingga dapat menghasilkan kualitas yang baik. Setiap flow of provisions so that it can produce good quality. Every
penyusunan maupun perubahan atas kebijakan, SOP, pedoman preparation or amendment to Policies, SOPs, Guidelines and
dan petunjuk teknis perkreditan senantiasa melalui pembahasan Credit Technical Instructions has always been discussed with the
bersama Divisi yang terkait sehingga memenuhi kecukupan relevant divisions so as to meet the adequacy of risk identification
identifikasi dan mitigasi risiko serta ketentuan yang berlaku. and mitigation as well as applicable regulations.
bank bjb saat ini telah memiliki portofolio guideline serta bank bjb currently has a Guideline Portfolio and establishes (risk
menetapkan (risk appetite) dan toleransi risiko (risk tolerance) appetite) and risk tolerance (risk tolerance) based on consideration
berdasarkan pertimbangan kekuatan permodalan serta target of capital strength and credit income targets. The level of risk to
pendapatan kredit. Tingkat risiko yang akan diambil (risk appetite) be taken (risk appetite) is the level and type of risk that is willing
merupakan tingkat dan jenis risiko yang bersedia diambil oleh to be taken by bank bjb in order to achieve bank bjb goals. Risk
bank bjb dalam rangka mencapai sasaran bank bjb. Toleransi tolerance is the level and type of risk that is maximally determined
risiko (risk tolerance) merupakan tingkat dan jenis risiko yang by bank bjb. Risk Tolerance is the translation of the level of risk
dapat ditolerir secara maksimum oleh bank bjb. Toleransi risiko to be taken.
menjadi penjabaran dari tingkat risiko yang akan diambil.
Selain itu, bank bjb menetapkan batas maksimum exposure/ In addition, bank bjb sets maximum exposure/portfolio limits per
portofolio per sektor ekonomi/industri per debitur dan per group economic/industrial sector per debtor and per group of debtors
debitur dengan mempertimbangkan tingkat kemampuan bank bjb, taking into account the level of bank bjb capability, capital adequacy
kecukupan modal dan tingkat risiko. Penetapan batas maksimum and level of risk. Determination of the maximum exposure/ portfolio
exposure/portofolio diatur dalam ketentuan dan dilakukan review limit is regulated in the provisions and is reviewed periodically.
secara periodik. Penetapan portfolio guideline mencakup panduan Determination of the Portfolio Guideline includes guidelines for
pemilihan sektor industri yang prospektif, serta pengaturan batas selecting prospective industrial sectors, as well as setting maximum
maksimal eksposur dan arah pertumbuhan bisnis. exposure limits and business growth directions.
Adapun terkait dengan limit kewenangan memutus kredit saat As for the credit limit, bank bjb has implemented a tiered credit
ini bank bjb telah menerapkan mekanisme keputusan kredit decision mechanism in accordance with the level of risk that is
secara berjenjang sesuai dengan tingkat risiko yang tercermin dari reflected in the credit facility ceiling.
plafond fasilitas kredit.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of the Risk Identification,
Pemantauan, dan Pengendalian Risiko, serta Measurement, Monitoring and Control Process,
Sistem Informasi Manajemen Risiko and the Risk Management Information System
Dalam analisa kredit, bank bjb telah menerapkan proses identifikasi In the credit analysis, bank bjb has implemented a process of
atas potensi risiko yang melekat. Proses identifikasi tersebut menjadi identifying potential inherent risks. The identification process has
lebih optimal dengan dibentuknya Divisi Credit Risk yang khusus become more optimal with the formation of a Credit Risk Division that
melaksanakan review dan analisa lanjutan atas proses pengajuan specializes in carrying out further reviews and analysis of the credit
fasilitas kredit yang telah disusun oleh bagian bisnis. facility application process prepared by the business department.
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INFORMATION ON RISK EXPOSURE
AND CAPITAL
Sebagai bentuk identifikasi atas risiko kredit, bank bjb telah As a form of identification of credit risk, bank bjb has developed an
mengembangkan adanya kajian independen yang berisi analisa independent study that contains an analysis of the development of
atas perkembangan portofolio kredit, Non Performing Loan credit portfolios, Non-Performing Loans (NPLs), Root Cause Credit
(NPL), root cause credit serta prediksi perkembangan kualitas and predictions of credit quality development by considering the
kredit dengan mempertimbangkan kesiapan infrastruktur readiness of supporting infrastructure.
pendukungnya.
Dalam melakukan pengukuran risiko, bank bjb mengembangkan In measuring risk, bank bjb develops a credit risk model through
model risiko kredit melalui penggunaan Internal Credit Risk Rating the use of the Internal Credit Risk Rating (ICRR) and Internal Credit
(ICRR) dan Internal Credit Risk Scoring (ICRS) pada setiap pengajuan Risk Scoring (ICRS) for each credit application. The preparation
kredit. Penyusunan ICRR dan ICRS menggunakan faktor kualitatif of ICRR and ICRS uses qualitative factors and quantitative factors
dan faktor kuantitatif yang dapat mengindikasikan risiko gagal that can indicate the risk of default on prospective borrowers.
bayar calon debitur
Adapun rating dan scoring yang dimiliki oleh bank bjb meliputi: The rating and scoring owned by bank bjb include:
1. Segmen Korporasi dan Komersial 1. Corporate and Commercial Segments
2. Segmen Konsumer dan Ritel 2. Consumer and Retail Segmen
3. Segmen UMKM 3. MSME Segment
4. Segmen KPR dan KKB 4. KPR and KKB segment
5. Segmen BPR dan Koperasi 5. BPR and Cooperative Segment
6. Segmen Internasional 6. International Segment
7. Segmen Akseptasi Rekanan 7. Partner Acceptance Segment
ICRR adalah suatu alat bantu dalam mengukur risiko kredit ICRR is a tool in measuring credit risk in the form of a model used
dalam bentuk suatu model yang digunakan untuk memprediksi to predict the likelihood of payment defaults by debtors on credit
tingkat kemungkinan kegagalan pembayaran oleh debitur atas facilities provided. ICRR Classifies systematic corporate/corporate
fasilitas kredit yang diberikan. ICRR mengklasifikasikan entitas entities into a risk class (grading or rating). The use of ICRR aims
perusahaan/korporasi secara sistematis ke dalam suatu kelas to determine the rating for debtors that reflects the amount of
risiko (grading atau peringkat). Penggunaan ICRR bertujuan untuk Probability of Default (PD). Debtors with the best rating have a
menentukan peringkat bagi debitur yang mencerminkan besaran Probability of Default that is close to zero. As for credit with a
Probability of Default (PD). Debitur dengan rating terbaik memiliki lower rating, it will have an increased Probability of Default. bank
Probability of Default yang mendekati nol. Adapun untuk kredit bjb uses statistical models in data analysis to generate Probability
dengan rating lebih rendah, akan memiliki probability of default of Default estimates.
yang meningkat. bank bjb menggunakan model statistik dalam
analisa data untuk menghasilkan perkiraan probability of default.
Tingkatan rating debitur dinyatakan dengan huruf yang meliputi Debtor rating levels are stated in letters covering 20 (twenty)
20 (dua puluh) peringkat berbeda yaitu: different ratings, namely:
Keterangan Keterangan
No Rating No Rating
Description Description
1 AAA Outstanding 11 BB+ Acceptable
2 AA+ Strong 12 BB Acceptable
3 AA Strong 13 BB- High Risk
4 AA- Strong 14 B+ High Risk
5 A+ Good 15 B Watch List
6 A Good 16 B- Watch List
7 A- Good 17 CCC+ Special Mention
8 BBB+ Average 18 CCC Special Mention
9 BBB Average 19 CCC- Substandard
10 BBB- Average 20 D Doubtful
2023 Annual Report
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INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
Adapun penerapan ICRS menjadi suatu alat bantu rekomendasi The application of ICRS becomes a decision of approval or
terhadap keputusan persetujuan atau penolakan atas pengajuan rejection of credit facility applications. By using ICRS, bank bjb can
fasilitas kredit. Dengan menggunakan ICRS, maka bank bjb dapat process credit better, objectively and according to the standard,
memproses kredit dengan lebih baik, objektif dan standar, serta and with a relatively faster processing time. As another form of
dengan waktu proses relatif lebih cepat. Sebagai bentuk lain dari credit risk measurement, bank bjb has estimated the estimated
pengukuran risiko kredit, bank bjb telah melakukan estimasi loss (Expected Loss) as well as the amount of an unexpected
kerugian yang telah diperkirakan (expected loss) serta besar loss (Unexpected Loss). Expected Loss (EL) is the amount of a
kerugian yang tidak diperkirakan (unexpected loss). Expected Loss statistically estimated loss arising on average from the estimated
(EL) adalah besaran kerugian secara statistik yang diperkirakan losses that generally occur. EL is obtained from the calculation
timbul secara rata-rata dari perkiraan kerugian yang secara umum of Exposure at the time of default (EAD), losses at the time of
terjadi. EL didapatkan dari perhitungan Eksposur pada saat default default (LGD) and probability of occurrence of default (PD), which
(EAD), kerugian pada saat default (LGD) dan probabilitas terjadinya is estimated from historical default probability data. Meanwhile
default (PD), yang diestimasi dari data probabilitas default secara Unexpected Loss (UL) is the deviation from the average loss. UL
historis. Sementara itu Unexpected Loss (UL) merupakan deviasi calculations are obtained from historical volatility data on default
dari rata-rata kerugian. Perhitungan UL diperoleh dari data data.
volatilitas secara historis (historical volatility) atas data default.
bank bjb juga telah mengembangkan proses pemantauan risiko bank bjb has also developed a risk monitoring process that is carried
yang dilakukan secara berkala melalui penerbitan laporan Root out periodically through the issuance of the Root Cause of Credit
Cause of Credit Risk (RCCR) yang disampaikan kepada Direksi dan Risk (RCCR) report submitted to Board of Directors and all relevant
seluruh Divisi terkait. Laporan Root Cause of Credit Risk (RCCR) berisi Divisions. The Root Cause of Credit Risk (RCCR) report contains an
analisa perkembangan portofolio beserta kualitas kreditnya, Analisa analysis of the development of the portfolio and its credit quality,
Loan at Risk (LAR), serta tingkat konsentrasi kredit baik berdasarkan Loan at Risk (LAR) analysis, as well as the level of credit concentration
sektor ekonomi, maupun debitur inti. Melalui laporan ini bank based on the economic sector and core debtors. Through this
bjb mengembangkan mekanisme identifikasi berkala atas potensi report bank bjb develops a periodic identification mechanism for
penurunan kualitas suatu portofolio kredit sehingga menjadi masukan the potential deterioration in the quality of a credit portfolio so that
dalam penyusunan strategi manajemen risiko. Dengan demikian it becomes input in the preparation of a Risk Management strategy.
maka penanganan atas kemungkinan penurunan kualitas portofolio Thus, the handling of the possibility of decreasing the quality of the
kredit dapat segera ditindaklanjuti sehingga menjadi Early Warning loan portfolio can be immediately followed up so that it becomes
Signal (EWS). EWS dapat meminimalkan risiko terjadinya kerugian an Early Warning Signal (EWS). EWS can minimize the risk of loss
dan mengoptimalkan modal untuk memperoleh pendapatan. and optimize capital to earn income.
Di samping itu bank bjb secara berkala melakukan analisa stress Besides this, bank bjb regularly conducts stress test analysis which
test yang meliputi beberapa skenario utama yaitu: covers several main scenarios, namely:
1. Portfolio Concentration Stress Test (Specific Market 1. Portfolio Concentration Stress Test (Specific Market
Crisis) Crisis)
Perhitungan stress test dengan pendekatan portfolio Calculation of stress tests using the portfolio concentration
concentration bertujuan untuk menghitung perubahan approach aims to calculate changes in Probability of Default
Probability of Default (PD) yang diakibatkan memburuknya (PD) resulting from the deteriorating collectibility of all loans.
kolektibilitas seluruh kredit.
2. Macro Economy Stress Test (General Market Crisis) 2. Macro Economy Stress Test (General Market Crisis)
Perhitungan stress test dengan menggunakan analisa makro Calculation of stress tests using macroeconomic analysis aims
ekonomi bertujuan untuk mengetahui perubahan Probability to determine changes in Probability of Default (PD) caused
of Default (PD) yang disebabkan oleh adanya pergerakan kurs by movements in the USD/IDR exchange rate, changes in
USD/IDR, perubahan suku bunga acuan, serta perubahan reference interest rates, as well as changes in the Inflation
tingkat inflasi dan Gross Domestic Product (GDP). Rate and Gross Domestic Product (GDP).
3. Reverse Stress Test 3. Reverse Stress Test
Apabila pada pelaksanaan stress test pada umumnya bertujuan If the implementation of stress tests generally aims to calculate
untuk menghitung dampak perubahan makro ekonomi yang the impact of predetermined macroeconomic changes on the
telah ditentukan sebelumnya terhadap perubahan nilai NPL, value of NPLs, Profit and Loss and CAR, and Risk Weighted
profit and loss serta CAR, dan Aktiva Tertimbang Menurut Assets (RWA), the calculation of stress tests with a reverse
Risiko (ATMR) maka perhitungan stress test dengan skenario scenario aims to determine changes in macro economics
reverse bertujuan untuk mengetahui perubahan kondisi conditions that have an impact on the decline in the value of
makro ekonomi yang berdampak pada penurunan nilai CAR the CAR to be below the provisions.
hingga berada di bawah ketentuan.
Laporan Tahunan 2023
518 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 10
INFORMATION ON RISK EXPOSURE
AND CAPITAL
4. Bottom Up Stress Test 4. Bottom Up Stress Test
bank bjb secara berkala melakukan stress test ketahanan bank bjb has periodically conducted stress tests on the
permodalan dimana pada tahun 2022 bank bjb terlibat dalam resilience of bank capital where in 2022, bank bjb was
penyusunan Bottom Up Stress Test (BUST). Pelaksanaan stress involved in the preparation of the Bottom Up Stress Test
test dilakukan dengan pendekatan kategori portfolio level (BUST). The stress test was carried out using a portfolio
dan bertujuan untuk menghitung pengaruh kondisi shock level category approach and aimed to calculate the effect
makro ekonomi terhadap peningkatan Probability of Default of macroeconomic shock conditions on the increase in PD
(PD) secara bankwide serta pencapaian laba dan permodalan (Probability of Default) bankwide and the achievement of
bank bjb. Pelaksanaan perhitungan menggunakan satellite bank bjb profits and capital. The calculation was carried
model yang meliputi baik kredit produktif maupun kredit out using a satellite model including both productive and
non-produktif pada seluruh sektor ekonomi. Satellite non-productive loans in all economic sectors. The satellite
model tersebut merupakan perhitungan regresi multiple model was a multiple regression calculation that related
yang menghubungkan kondisi makro ekonomi sebagai macroeconomic conditions as the independent variable and
independent variable dan PD sebagai dependent variable. PD as the dependent variable.
Adapun berdasarkan hasil perhitungan stress test diketahui bahwa Meanwhile, based on the results of the stress test calculation,
perubahan aspek eksternal tersebut tidak berdampak secara it was known that changes in external aspects did not have a
signifikan terhadap penurunan Capital Adequacy Ratio (CAR) significant impact on the decrease in the Capital Adequacy Ratio
sehingga dapat dikatakan bahwa permodalan cukup memadai (CAR) so that the capital was adequate in dealing with changes
dalam menghadapi gejolak perubahan faktor eksternal. in external factors.
Sistem Pengendalian Intern yang Menyeluruh Comprehensive Internal Control System
bank bjb telah memiliki sistem pengendalian intern untuk bank bjb already has an internal control system for credit risk
manajemen risiko kredit dengan berpedoman pada SEOJK Nomor management based on the Financial Services Authority (OJK)
34/SEOJK.03/2016 tanggal 1 September 2016 Tentang Penerapan Circular Letter Number 34/SEOJK.03/2016 dated September
Manajemen Risiko bagi bank Umum. Dalam pelaksanaannya, 1, 2016, concerning Application of Risk Management for
sistem pengendalian intern untuk risiko kredit mencakup Commercial Banks. In the implementation, The internal control
penerapan atas hal-hal sebagai berikut: system for credit risk includes the following matters:
1. Dipenuhinya kecukupan kebijakan, pedoman dan prosedur 1. Fulfillment of the adequacy of Credit Policy, Guidelines and
bidang perkreditan. Procedures in the field of credit;
2. Dilakukannya review oleh unit kerja independen atas 2. Conducting a review by an independent work unit on the
rancangan kebijakan, pedoman dan prosedur bidang draft Credit Policy, Guidelines and Procedures;
perkreditan.
3. Dilakukannya review/kaji ulang atas metode pengukuran risiko 3. Conducting a review/review of the risk measurement method by
oleh Divisi Manajemen Risiko Kredit, Pasar dan Terintegrasi the Credit, Market, and Integrated Risk Management Division
yang mencakup penilaian kesesuaian metode, dan asumsi which includes an assessment of the suitability of the method,
yang digunakan untuk mengukur risiko. and the assumptions used to measure risk
4. Kaji ulang atas kepatuhan bank bjb terhadap ketentuan 4. Review bank bjb compliance with internal and external
internal dan eksternal bidang perkreditan. provisions in the credit sector.
Dalam rangka optimalisasi pengendalian intern, maka bank bjb In the context of optimizing internal control, bank bjb has also
juga telah melakukan pemisahan fungsi yang jelas antara unit performed a clear separation of functions between business
bisnis dan unit yang melaksanakan pengendalian sehingga bank units and units that carry out control so that bank bjb has
bjb telah menerapkan segregation of duty dan dual control implemented segregation of duty and dual control in making
dalam melakukan keputusan kredit. Pengendalian intern untuk credit decisions. Internal control for credit risk management also
manajemen risiko kredit juga mencakup pengawasan oleh includes supervision by the Board of Commissioners and Board
Dewan Komisaris dan Direksi secara berkala melalui pelaporan of Directors on a regular basis through reporting submitted by
yang disampaikan oleh Divisi Manajemen Risiko Kredit, Pasar dan the Credit, Market, and Integrated Risk Management Division and
Terintegrasi maupun pelaksanaan Risk Management Committee the implementation of the Risk Management Committee (RMC)
(RMC) yang beranggotakan Direksi serta pejabat eksekutif terkait. consisting of Board of Directors and related executive officers. The
Adapun pelaksanaan rapat Komite Pemantau Risiko (KPR) telah implementation of Risk Monitoring Committee (KPR) meetings has
dilaksanakan secara berkala oleh Dewan Komisaris yang ditujukan been held periodically aimed at monitoring the development of
untuk memantau perkembangan eksposur risiko kredit sesuai credit risk exposures in accordance with the latest developments.
dengan perkembangan terkini.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 519
Page 11
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
Pengungkapan Kuantitatif Risiko Kredit
Credit Risk Quantitative Disclosure
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN WILAYAH – BANK SECARA INDIVIDUAL
DISCLOSURE OF NET CLAIMS BY REGION - BANK INDIVIDUALLY
Tabel 2.1.a Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Individual
Table of 2.1.a Disclosure of Net Claims by Region - Bank Individually
31 Desember 2023
December 31, 2023
Kategori Portofolio Tagihan Bersih Berdasarkan Wilayah
No
Portfolio Category Net Claims by Area
Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 4
Area 1 Area 2 Area 3 Area 4
Tagihan Kepada Pemerintah
1 36,582,948 - - -
Claims to Government
Tagihan Kepada Entitas Sektor Publik
2 6,518,850 1,430,266 322,728 181,308
Claims on Public Sector Entities
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga
Internasional
3 - - - -
Claims on Multilateral Development Banks and International
Institutions
Tagihan Kepada Bank
4 5,250,970 1,572,672 25,764 323,457
Claims on Bank
Tagihan Berupa Covered Bond
5 - - - -
Receivables of a Covered Bond
Tagihan Kepada Perusahaan Efek dan Lembaga Jasa Keuangan
Lainnya
6 1,075,755 - - -
Receivables from Securities Companies and Other Financial Services
Institutions
Tagihan Berupa Surat Berharga/Piutang Subordinasi, Ekuitas, dan
Instrumen Modal Lainnya
7 - - - -
Receivables in the form of Securities/Subordinated Receivables,
Equity and Other Capital Instruments
Kredit Beragunan Tempat Tinggal
8 534,488 8,966,672 247,088 377,601
Home Collateral Credit
Kredit Beragun Properti Komersial
9 - 2,880 - 185
Commercial Property Backed Loans
Kredit untuk Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi
10 - - - -
Loan for Land Acquisition, Land Management and Construction
Kredit Pegawai atau Pensiunan
11 2,684,284 57,198,386 847,953 1,010,697
Employee or Retiree Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel
12 1,419,098 13,613,313 594,693 453,105
Claims on Micro, Small Business and Retail Portfolios
Tagihan Kepada Korporasi
13 12,633,529 5,072,530 145,028 1,036,121
Claims on the Corporation
Tagihan Yang Telah Jatuh Tempo
14 36,145 520,558 45,977 59,833
Claims That Have Been Due Date
Aset Lainnya
15 7,156,525 - - -
Other Assets
Total 73,892,591 88,377,277 2,229,231 3,442,307
Laporan Tahunan 2023
520 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 12
INFORMATION ON RISK EXPOSURE
AND CAPITAL
(dalam jutaan Rupiah/in IDR million)
31 Desember 2022
December 31, 2022
Tagihan Bersih Berdasarkan Wilayah
Net Claims by Area
Wilayah 5 Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 4 Wilayah 5
Total Total
Area 5 Area 1 Area 2 Area 3 Area 4 Area 5
- 36,582,948 34,127,537 - - - - 34,127,537
117,889 8,571,042 6,428,660 1,380,883 311,586 175,048 113,819 8,409,995
- - - - - - - -
857,888 8,030,751 4,346,889 1,301,899 21,328 267,766 710,182 6,648,065
- - - - - - - -
- 1,075,755 - - - - - -
- - - - - - - -
97,638 10,223,487 474,103 7,953,650 219,173 334,941 86,607 9,068,474
- 3,065 - 6,084 - 391 - 6,476
- - - - - - - -
156,585 61,897,903 2,839,263 60,500,786 896,910 1,069,050 165,625 65,471,635
203,024 16,283,233 794,750 7,623,981 333,051 253,756 113,701 9,119,239
773,535 19,660,743 11,967,104 4,804,952 137,378 981,466 732,731 18,623,630
5,878 668,392 6,487 90,576 8,000 10,411 1,023 116,496
- 7,156,525 6,824,366 - - - - 6,824,366
2,212,437 170,153,844 67,809,159 83,662,811 1,927,425 3,092,829 1,923,688 158,415,912
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 521
Page 13
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN SISA JANGKA WAKTU KONTRAK – BANK SECARA SECARA
INDIVIDUAL
DISCLOSURE OF NET CLAIMS BASED ON REMAINING CONTRACT PERIOD - BANK INDIVIDUALLY
Tabel 2.2.a Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual
Table of 2.2.a Disclosure of Net Claims Based on Remaining Contract Period - Bank individually
31 Desember 2023
December 31, 2023
Tagihan Bersih Bedasarkan Sisa Jangka Waktu Kontrak
Kategori Portofolio Net Receivables based on the Remaining Term of the Contract
No
Portfolio Category
> 1 Tahun s.d > 3 Tahun s.d
<1 Tahun 3 Tahun 5 Tahun >5 Tahun
<1 Year > 1 Year up to > 3 Year up to >5 Year
3 Year 5 Year
Tagihan Kepada Pemerintah
1 19,518,565 3,685,419 5,103,655 8,275,310
Claims to Government
Tagihan Kepada Entitas Sektor Publik
2 6,716,417 566,579 935,769 352,277
Claims on Public Sector Entities
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga
Internasional
3 - - - -
Claims on Multilateral Development Banks and International
Institutions
Tagihan Kepada Bank
4 2,820,163 2,031,912 1,569,682 109,395
Claims on Bank
Tagihan Berupa Covered Bond
5 - - - -
Receivables of a Covered Bond
Tagihan Kepada Perusahaan Efek dan Lembaga Jasa Keuangan
Lainnya
6 - - 1,075,755 -
Receivables from Securities Companies and Other Financial Services
Institutions
Tagihan Berupa Surat Berharga/Piutang Subordinasi, Ekuitas, dan
Instrumen Modal Lainnya
7 - - - -
Receivables in the form of Securities/Subordinated Receivables,
Equity and Other Capital Instruments
Kredit Beragunan Tempat Tinggal
8 49,985 241,173 570,653 9,361,676
Home Collateral Credit
Kredit Beragun Properti Komersial
9 1,929 169 967 -
Commercial Property Backed Loans
Kredit untuk Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi
10 - - - -
Loan for Land Acquisition, Land Management and Construction
Kredit Pegawai atau Pensiunan
11 843,917 5,416,588 9,163,224 46,474,174
Employee or Retiree Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel
12 9,039,274 3,966,659 2,279,060 998,239
Claims on Micro, Small Business and Retail Portfolios
Tagihan Kepada Korporasi
13 13,588,137 1,531,144 2,566,746 1,974,716
Claims on the Corporation
Tagihan Yang Telah Jatuh Tempo
14 187,593 82,955 55,855 341,989
Claims That Have Been Due Date
Aset Lainnya
15 - - - -
Other Assets
Total 52,765,980 17,522,598 23,321,365 67,887,777
Laporan Tahunan 2023
522 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 14
INFORMATION ON RISK EXPOSURE
AND CAPITAL
(dalam jutaan Rupiah/in IDR million)
31 Desember 2022
December 31, 2022
Tagihan Bersih Bedasarkan Sisa Jangka Waktu Kontrak
Net Receivables based on the Remaining Term of the Contract
Non > 1 Tahun s.d > 3 Tahun s.d Non
Kontraktual <1 Tahun 3 Tahun 5 Tahun >5 Tahun Kontraktual
Total Total
Non- <1 Year > 1 Year up to > 3 Year up to >5 Year Non-
Contractual 3 Year 5 Year Contractual
- 36,582,948 18,208,498 3,438,057 4,761,102 7,719,880 - 34,127,537
- 8,571,042 6,619,405 547,017 903,460 340,114 - 8,409,995
- - - - - - - -
1,499,599 8,030,751 2,334,604 1,682,070 1,299,424 90,560 1,241,407 6,648,065
- - - - - - - -
- 1,075,755 - - - - - -
- - - - - - - -
- 10,223,487 44,338 213,926 506,183 8,304,028 - 9,068,474
- 3,065 4,076 357 2,043 - - 6,476
- - - - - - - -
- 61,897,903 892,642 5,729,320 9,692,270 49,157,403 - 65,471,635
- 16,283,233 5,062,342 2,221,482 1,276,362 559,053 - 9,119,239
- 19,660,743 12,871,357 1,450,375 2,431,349 1,870,549 - 18,623,630
- 668,392 32,838 14,434 9,719 59,505 - 116,496
7,156,525 7,156,525 - - - - 6,824,366 6,824,366
8,656,124 170,153,844 46,070,099 15,297,038 20,881,911 68,101,091 8,065,773 158,415,912
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 523
Page 15
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN SEKTOR EKONOMI – BANK SECARA INDIVIDUAL
DISCLOSURES OF NET CLAIMS BY ECONOMIC SECTOR - INDIVIDUAL BANKS
Tabel 2.3.a Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual
Table of 2.3.a Disclosures of Net Claims by Economic Sector - Individual Banks
Tagihan Berupa Surat
Tagihan Kepada Tagihan kepada
Berharga/Piutang
Bank Pembangunan Tagihan Perusahaan Efek
Tagihan Subordinasi, Ekuitas,
Multilateral berupa dan Lembaga
Tagihan Kepada Tagihan dan Instrumen
dan Lembaga Covered Jasa Keuangan
Kepada Entitas Sektor Kepada Modal Lainnya
Sektor Ekonomi Internasional Bond Lainnya
No Pemerintah Publik Bank Receivables in the
Economic Sector Receivables Receivables Receivables
Claims to Claims on Claims on form of Securities/
from Multilateral of a from Securities
Government Public Bank Subordinated
Development Banks Covered Companies and
Sector Entities Receivables, Equity
and International Bond Other Financial
and Other Capital
Institutions Services Institutions
Instruments
1 2 3 4 5 6 7
Posisi Tanggal Laporan 2023
Position of the 2023 Report Date
Industri
1 - 1,241,379 - - - - -
Industry
Jasa Dunia Usaha
2 - - - 1,201 - - -
Business Services
Jasa-jasa Sosial
3 - - - 1,135 - - -
Social Services
Konstruksi
4 - 3,473,847 - - - - -
Construction
Listri, Gas, dan Air
5 - 31,388 - - - - -
Electricity, Gas and Water
Pengangkutan dan Pergudangan
6 - - - - - - -
Transportation and Warehousing
Perdagangan
7 - 2,502,877 - 8,408 - - -
Wholesale
Pertambangan
8 - - - - - - -
Mining
Pertanian
9 - 113,122 - - - - -
Agriculture
Lain-lain
10 36,582,948 1,208,428 - 8,020,007 - 1,075,755 -
Others
Grand Total 36,582,948 8,571,042 - 8,030,751 - 1,075,755 -
Posisi Tanggal Laporan 2022
Position of the 2022 Report Date
Industri
1 - 1,198,518 - - - - -
Industry
Jasa Dunia Usaha
2 - - - 994 - - -
Business Services
Jasa-jasa Sosial
3 - - - 940 - - -
Social Services
Konstruksi
4 - 3,353,906 - - - - -
Construction
Listri, Gas, dan Air
5 - 30,304 - - - - -
Electricity, Gas and Water
Pengangkutan dan Pergudangan
6 - - - - - - -
Transportation and Warehousing
Perdagangan
7 - 2,416,461 - 6,961 - - -
Wholesale
Pertambangan
8 - - - - - - -
Mining
Pertanian
9 - 109,216 - - - - -
Agriculture
Lain-lain
10 34,127,537 1,301,590 - 6,639,171 - - -
Others
Grand Total 34,127,537 8,409,995 - 6,648,065 - - -
Laporan Tahunan 2023
524 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 16
INFORMATION ON RISK EXPOSURE
AND CAPITAL
(dalam jutaan Rupiah/in IDR million)
Kredit untuk
Pengadaan
Tagihan Kepada
Kredit Beragun Tanah,
Kredit Usaha Mikro, Tagihan Yang
Properti Pengolahan Kredit Pegawai Tagihan Kepada
Beragunan Usaha Kecil dan Telah Jatuh
Komersial Tanah, dan atau Pensiunan Korporasi Aset Lainnya
Tempat Tinggal Portofolio Ritel Tempo
Commercial Konstruksi Employee or Claims on the Other Assets
Home Collateral Claims on Micro, Claims That Have
Property Backed Loan for Land Retirement Loans Corporation
Credit Small Business and Been Due Date
Loans Acquisition, Land
Retail Portfolios
Management and
Construction
8 9 10 11 12 13 14 15
- 3,013 - 517 1,039,715 3,791,146 518,902 -
1,334 - - 29 1,167,374 335,263 18,569 -
- - - 10,294 904,768 442,480 217 -
- - - 666 4,433,774 1,569,909 49,457 -
- - - - 150,239 28,807 - -
- - - - 184,246 877,622 125 -
- - - 128,124 6,214,057 2,168,345 67,663 -
- - - - 122,235 52,203 1,683 -
- - - 742 2,051,011 350,932 6,107 -
10,222,153 52 - 61,757,530 15,814 10,044,036 5,669 7,156,525
10,223,487 3,065 - 61,897,903 16,283,233 19,660,743 668,392 7,156,525
- 6,365 - 547 582,280 3,591,162 90,287 -
1,184 - - 31 653,774 317,577 3,231 -
- - - 10,889 506,705 419,139 38 -
- - - 704 2,483,085 1,487,096 8,605 -
- - - - 84,140 27,288 - -
- - - - 103,185 831,327 22 -
- - - 135,522 3,480,112 2,053,964 11,773 -
- - - - 68,457 49,450 293 -
- - - 785 1,148,645 332,420 1,063 -
9,067,291 111 - 65,323,157 8,856 9,514,208 1,184 6,824,366
9,068,474 6,476 - 65,471,635 9,119,239 18,623,630 116,496 6,824,366
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 525
Page 17
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
PENGUNGKAPAN TAGIHAN DAN PENCADANGAN BERDASARKAN WILAYAH – BANK SECARA INDIVIDUAL
DISCLOSURE OF CLAIMS AND RESERVES BY AREA - BANK INDIVIDUALLY
Tabel 2.4.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individual
Table of 2.4.a Disclosure of Claims and Reserves by Area - Bank individually
31 Desember 2023
December 31, 2023
Keterangan Tagihan Berdasarkan Wilayah
No
Description Net Bill by Area
Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 4
Area 1 Area 2 Area 3 Area 4
Tagihan
1 74,033,437 88,377,277 2,229,231 3,442,307
Claims
Tagihan yang mengalami penurunan nilai
2
Claims that have been impaired
a. Belum jatuh tempo
84,778 167,780 45,633 32,539
Not yet due
b. Telah jatuh tempo
224,864 138,892 76,930 233,142
Mature
Cadangan Kerugian Penurunan Nilai (CKPN) - Individual
3 206,776 110,611 62,456 206,333
Allowance for impairment losses (CKPN) - Individual
Cadangan Kerugian Penurunan Nilai (CKPN) - Kolektif
4 175,829 328,219 80,265 69,556
Allowance for impairment losses (CKPN) - Collective
Tagihan yang dihapusbuku
5 2,537,242 1,749,331 2,249,749 1,468,630
Deleted Book Claims
PENGUNGKAPAN TAGIHAN DAN PENCADANGAN BERDASARKAN SEKTOR EKONOMI – BANK SECARA INDIVIDUAL
DISCLOSURE OF RECEIVABLES AND ALLOWANCES BY ECONOMIC SECTOR - INDIVIDUAL BANKS
Tabel 2.5.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi -
Bank secara Individual
Table of 2.5.a Disclosure of Receivables and Allowances by Economic Sector - Individual Banks (dalam jutaan Rupiah/in IDR million)
Tagihan yang Mengalami Cadangan Cadangan
Penurunan Nilai Kerugian Kerugian
Tagihan yang
Claims That Have Been Impaired Penurunan Nilai Penurunan Nilai
Sektor Ekonomi Tagihan dihapus buku
No (CKPN) Individual (CKPN) Kolektif
Economic Sector Claims Deleted Book
Belum Jatuh Telah Jatuh Allowance for Allowance for
Claims
Tempo Tempo Impairment Losses Impairment Losses
Not Yet Due Mature (CKPN) Individual (CKPN) Collective
(1) (2) (3) (4) (5) (6) (7) (8)
Posisi Tanggal Laporan 2023
Position of the 2023 Report Date
Industri
1 6,594,673 7,547 37,757 147,361 93,752 -
Industry
Jasa Dunia Usaha
2 1,523,769 10,591 26,051 25,113 21,389 -
Business Services
Jasa-jasa Sosial
3 1,358,895 3,477 4,269 6,024 14,254 -
Social Services
Konstruksi
4 9,527,653 11,732 370,438 195,038 215,827 -
Construction
Listri, Gas, dan Air
5 210,434 - - 315 3,921 -
Electricity, Gas and Water
Laporan Tahunan 2023
526 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 18
INFORMATION ON RISK EXPOSURE
AND CAPITAL
(dalam jutaan Rupiah/in IDR million)
31 Desember 2022
December 31, 2022
Tagihan Berdasarkan Wilayah
Net Bill by Area
Wilayah 5 Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 4 Wilayah 5
Total Total
Area 5 Area 1 Area 2 Area 3 Area 4 Area 5
2,212,437 170,294,690 67,809,159 83,662,811 1,927,425 3,092,829 1,923,688 158,415,912
34,869 365,599 10,945 330,154 4,951 5,552 443 352,045
75,863 749,691 48,623 574,069 40,616 71,078 45,489 779,876
64,731 650,907 48,361 676,397 43,561 73,202 48,239 889,760
342,008 995,875 210,959 541,083 15,209 36,489 11,607 815,346
626,180 8,631,133 4,110,900 999,288 2,143,607 586,294 35,284 7,875,372
Tagihan yang Mengalami Cadangan Cadangan
Penurunan Nilai Kerugian Kerugian
Tagihan yang
Claims That Have Been Impaired Penurunan Nilai Penurunan Nilai
Sektor Ekonomi Tagihan dihapus buku
No (CKPN) Individual (CKPN) Kolektif
Economic Sector Claims Deleted Book
Belum Jatuh Telah Jatuh Allowance for Allowance for
Claims
Tempo Tempo Impairment Losses Impairment Losses
Not Yet Due Mature (CKPN) Individual (CKPN) Collective
(1) (2) (3) (4) (5) (6) (7) (8)
Pengangkutan dan Pergudangan
6 1,061,993 91 215 1,134 24,176 -
Transportation and Warehousing
Perdagangan
7 11,089,476 10,634 209,389 100,051 190,431 -
Wholesale
Pertambangan
8 176,121 - 9,783 3,648 8,677 -
Mining
Pertanian
9 2,521,914 1,495 22,337 10,909 24,356 -
Agriculture
Lain-lain
10 136,088,917 320,033 69,453 260,098 432,777 8,631,133
Others
Total 170,153,844 365,599 749,691 749,691 1,029,560 8,631,133
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 527
Page 19
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
Tagihan yang Mengalami Cadangan Cadangan
Penurunan Nilai Kerugian Kerugian
Tagihan yang
Claims That Have Been Impaired Penurunan Nilai Penurunan Nilai
Sektor Ekonomi Tagihan dihapus buku
No (CKPN) Individual (CKPN) Kolektif
Economic Sector Claims Deleted Book
Belum Jatuh Telah Jatuh Allowance for Allowance for
Claims
Tempo Tempo Impairment Losses Impairment Losses
Not Yet Due Mature (CKPN) Individual (CKPN) Collective
(1) (2) (3) (4) (5) (6) (7) (8)
Posisi Tanggal Laporan 2022
Position of the 2022 Report Date
Industri
1 34,127,537 7,267 39,277 174,893 85,209 -
Industry
Jasa Dunia Usaha
2 8,409,995 10,198 27,100 29,805 19,440 -
Business Services
Jasa-jasa Sosial
3 6,648,065 3,348 4,440 7,149 12,955 -
Social Services
Konstruksi
4 9,068,474 11,297 385,353 231,478 106,181 -
Construction
Listri, Gas, dan Air
5 65,471,635 - - 374 3,563 -
Electricity, Gas and Water
Pengangkutan dan Pergudangan
6 9,119,239 87 224 1,345 21,973 -
Transportation and Warehousing
Perdagangan
7 18,623,630 10,240 217,819 118,744 173,079 -
Wholesale
Pertambangan
8 116,496 - 10,177 4,330 7,886 -
Mining
Pertanian
9 6,824,366 1,439 23,237 12,947 22,137 -
Agriculture
Lain-lain
10 6,476 308,168 72,249 308,693 362,922 7,875,372
Others
Total 158,415,912 352,045 779,876 889,760 815,346 7,875,372
PENGUNGKAPAN RINCIAN MUTASI CADANGAN KERUGIAN PENURUNAN NILAI – BANK SECARA INDIVIDUAL
DISCLOSURE OF RESERVE MUTATION DETAILS FOR IMPAIRMENT LOSS – BANK INDIVIDUAL
Tabel 2.6.a Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara Individual
Table of 2.6.a Disclosure of Reserve Mutation Details For Impairment Loss – Bank Individual (dalam jutaan Rupiah/in IDR million)
31 Desember 2023 31 Desember 2022
Keterangan December 31, 2023 December 31, 2022
No
Description
CKPN CKPN
Saldo awal CKPN
1 1,635,194 1,682,826
Initial CKPN balance
Pembentukan (pemulihan) CKPN pada periode berjalan (net)
2
Establishment (recovery) of CKPN in the current period (Net)
2.a Pembentukan CKPN pada periode berjalan
1,305,049 1,331,806
2.a Establishment of CKPN in the current period
2.b Pemulihan CKPN pada periode berjalan
(762,255) (777,884)
2.b Recovery of CKPN in the current period
CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada peride berjalan
3 (477,622) (487,415)
CKPN which is used to writte-off on bills on the current platform
Saldo akhir CKPN
1,649,016 1,635,194
CKPN Ending Balance
Laporan Tahunan 2023
528 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 20
INFORMATION ON RISK EXPOSURE
AND CAPITAL
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 529
Page 21
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN KATEGORI PORTOFOLIO DAN SKALA PERINGKAT –
BANK SECARA INDIVIDUAL
DISCLOSURE OF NET CLAIMS BY PORTFOLIO CATEGORY AND RATING SCALE - BANK INDIVIDUALLY
Tabel 3.1.b Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Individual
Table of 3.1.a Disclosure of Net Claims by Portfolio Category and Rating Scale - Bank individually
Tagihan Bersih
Net Bill
Lembaga
Peringkat Jangka Panjang
Pemeringkat
Long Term Rating
Rating Agency
Standards and AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB-
AAA
Poor’s AA+ up to AA- A+ up to A- BBB+ up to BBB- BB+ up to BB-
AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB-
Fitch Rating AAA
AA+ up to AA- A+ up to A- BBB+ up to BBB- BB+ up to BB-
Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3 Ba1 s.d Ba3
Moody’s Aaa
Kategori Portofolio Aa1 up to Aa3 A1 up to A3 Baa1 up to Baa3 Ba1 up to Ba3
No
Portfolio Category
AA+(idn) s.d A+(idn) s.d. BBB+(idn) s.d BB+(idn) s.d
PT. Fitch
AA-(idn) A-(idn) BBB-(idn) BB-(idn)
Ratings AAA (idn)
AA+(idn) up to A+(idn) up to. BBB+(idn) up to BB+(idn) up to
Indonesia
AA-(idn) A-(idn) BBB-(idn) BB-(idn)
[Idr]AA+ s.d [Idr]A+ s.d [Idr]BBB+ s.d [Idr]BB+ s.d
PT. ICRA [Idr]AA- [Idr]A- [Idr]BBB- [Idr]BB-
[Idr] AAA
Indonesia [Idr]AA+ up to [Idr]A+ up to [Idr]BBB+ up to [Idr]BB+ up to
[Idr]AA- [Idr]A- [Idr]BBB- [Idr]BB-
id BBB+ s.d id
id BB+ s.d id BB-
PT Pemeringkat idA+ s.d id A- BBB-
idAAA id BB+ up to
Efek Indonesia idA+ up to id A- id BBB+ up to id
id BBid
BBBid
31 Desember 2023
December 31, 2023
Tagihan Kepada Pemerintah
1 - - - - - -
Claims to Government
Tagihan Kepada Entitas
Sektor Publik
2 - 508,115 - 3,640,523 - 136,837
Claims on Public Sector
Entities
Tagihan Kepada Bank
Pembangunan Multilateral
dan Lembaga Internasional
3 - - - - - -
Claims on Multilateral
Development Banks and
International Institutions
Tagihan Kepada bank
4 - 471,068 - 110,562 - -
Claims on Bank
Tagihan Berupa Covered Bond
5 Receivables of a Covered - - - - - -
Bond
Tagihan kepada Perusahaan
Efek dan Lembaga Jasa
Keuangan Lainnya
6 - 850,457 - - - -
Receivables from Securities
Companies and Other
Financial Services Institutions
Tagihan Berupa Surat
Berharga/Piutang
Subordinasi, Ekuitas, dan
Instrumen Modal Lainnya
7 - - - - - -
Receivables in the form of
Securities/Subordinated
Receivables, Equity and
Other Capital Instruments
Laporan Tahunan 2023
530 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 22
INFORMATION ON RISK EXPOSURE
AND CAPITAL
(dalam jutaan Rupiah/in IDR million)
Tagihan Bersih
Net Bill
Peringkat Jangka Pendek
Short Term Rating
B+ s.d B- Kurang dari B- Kurang dari A-3
A-1 A-2 A-3
B+ up to B- Less than B- Less than A-3
B+ s.d B- Kurang dari B- F1+ s.d F1 Kurang dari F3
F2 F3
B+ up to B- Less than B- F1+ up to F1 Less than F3
B1 s.d B3 Kurang dari B3 Kurang dari P-3
P-1 P-2 P-3
B1 up to B3 Less than B3 Less than P-3
Tanpa
B+(idn) s.d F1+(idn) s.d Peringkat Total
Kurang dari Kurang dari
B-(idn) F1(idn) No Rating
B-(idn) F2(idn) F3(idn) F3(idn)
B+(idn) up to F1+(idn) up to
Less than B-(idn) Less than F3(idn)
B-(idn) F1(idn)
[Idr]B+ s.d [Idr]A1+ s.d [Idr]A2+ s.d [Idr]A3+ s.d
Kurang dari Kurang dari
[Idr]B- [Idr]A1 [Idr]A2 [Idr] A3
[Idr]B- [Idr]A3
[Idr]B+ up to [Idr]A1+ up to [Idr]A2+ up to [Idr]A3+ up to
Less than [Idr]B- Less than [Idr]A3
[Idr]B [Idr]A1 [Idr]A2 [Idr] A3
Kurang dari Kurang dari
id B+ s.d id B- idA3 s.d id A4
idB- idA1 idA2 idA4
id B+ up to id B- idA3 up to id A4
Less than id- Less than idA4
- - - - - - 36,582,948 36,582,948
- 71,233 - - - - 4,214,334 8,571,042
- - - - - - - -
- - - - - - 7,449,121 8,030,751
- - - - - - - -
- 10,813 - - - - 214,485 1,075,755
- - - - - - - -
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 531
Page 23
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
Tagihan Bersih
Net Bill
Lembaga
Peringkat Jangka Panjang
Pemeringkat
Long Term Rating
Rating Agency
Standards and AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB-
AAA
Poor’s AA+ up to AA- A+ up to A- BBB+ up to BBB- BB+ up to BB-
AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB-
Fitch Rating AAA
AA+ up to AA- A+ up to A- BBB+ up to BBB- BB+ up to BB-
Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3 Ba1 s.d Ba3
Moody’s Aaa
Kategori Portofolio Aa1 up to Aa3 A1 up to A3 Baa1 up to Baa3 Ba1 up to Ba3
No
Portfolio Category
AA+(idn) s.d A+(idn) s.d. BBB+(idn) s.d BB+(idn) s.d
PT. Fitch
AA-(idn) A-(idn) BBB-(idn) BB-(idn)
Ratings AAA (idn)
AA+(idn) up to A+(idn) up to. BBB+(idn) up to BB+(idn) up to
Indonesia
AA-(idn) A-(idn) BBB-(idn) BB-(idn)
[Idr]AA+ s.d [Idr]A+ s.d [Idr]BBB+ s.d [Idr]BB+ s.d
PT. ICRA [Idr]AA- [Idr]A- [Idr]BBB- [Idr]BB-
[Idr] AAA
Indonesia [Idr]AA+ up to [Idr]A+ up to [Idr]BBB+ up to [Idr]BB+ up to
[Idr]AA- [Idr]A- [Idr]BBB- [Idr]BB-
id BBB+ s.d id
id BB+ s.d id BB-
PT Pemeringkat idA+ s.d id A- BBB-
idAAA id BB+ up to
Efek Indonesia idA+ up to id A- id BBB+ up to id
id BBid
BBBid
Kredit Beragunan Tempat
8 Tinggal - - - - - -
Home Collateral Credit
Kredit Beragun Properti
Komersial
9 - - - - - -
Commercial Property
Backed Loans
Kredit untuk Pengadaan
Tanah, Pengolahan Tanah,
dan Konstruksi
10 - - - - - -
Loan for Land Acquisition,
Land Management and
Construction
Kredit Pegawai atau
11 Pensiunan - - - - - -
Employee or Retiree Loans
Tagihan Kepada Usaha
Mikro, Usaha Kecil, dan
12 Portofolio Ritel - - - - - -
Claims on Micro, Small
Business and Retail Portfolios
Tagihan Kepada Korporasi
13 - 556,093 - 2,270,241 610,607 -
Claims on the Corporation
Tagihan Yang Telah Jatuh
Tempo
14 - - - - - -
Claims That Have Been Due
Date
31 Desember 2022
December 31, 2022
Tagihan Kepada Pemerintah
1 - - - - - -
Claims to Government
Tagihan Kepada Entitas
Sektor Publik
2 - 30,304 - 3,055,062 2,339,027 109,216
Claims on Public Sector
Entities
Laporan Tahunan 2023
532 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 24
INFORMATION ON RISK EXPOSURE
AND CAPITAL
Tagihan Bersih
Net Bill
Peringkat Jangka Pendek
Short Term Rating
B+ s.d B- Kurang dari B- Kurang dari A-3
A-1 A-2 A-3
B+ up to B- Less than B- Less than A-3
B+ s.d B- Kurang dari B- F1+ s.d F1 Kurang dari F3
F2 F3
B+ up to B- Less than B- F1+ up to F1 Less than F3
B1 s.d B3 Kurang dari B3 Kurang dari P-3
P-1 P-2 P-3
B1 up to B3 Less than B3 Less than P-3
Tanpa
B+(idn) s.d F1+(idn) s.d Peringkat Total
Kurang dari Kurang dari
B-(idn) F1(idn) No Rating
B-(idn) F2(idn) F3(idn) F3(idn)
B+(idn) up to F1+(idn) up to
Less than B-(idn) Less than F3(idn)
B-(idn) F1(idn)
[Idr]B+ s.d [Idr]A1+ s.d [Idr]A2+ s.d [Idr]A3+ s.d
Kurang dari Kurang dari
[Idr]B- [Idr]A1 [Idr]A2 [Idr] A3
[Idr]B- [Idr]A3
[Idr]B+ up to [Idr]A1+ up to [Idr]A2+ up to [Idr]A3+ up to
Less than [Idr]B- Less than [Idr]A3
[Idr]B [Idr]A1 [Idr]A2 [Idr] A3
Kurang dari Kurang dari
id B+ s.d id B- idA3 s.d id A4
idB- idA1 idA2 idA4
id B+ up to id B- idA3 up to id A4
Less than id- Less than idA4
- - - - - - 10,223,487 10,223,487
- - - - - - 3,065 3,065
- - - - - - -
- - - - - - 61,897,903 61,897,903
- - - - - - 16,283,233 16,283,233
- 278,109 - - - - 15,945,693 19,660,743
- - - - - - 668,392 668,392
- - - - - - 34,127,537 34,127,537
- 121,818 - - - - 2,754,568 8,409,995
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 533
Page 25
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
Tagihan Bersih
Net Bill
Lembaga
Peringkat Jangka Panjang
Pemeringkat
Long Term Rating
Rating Agency
Standards and AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB-
AAA
Poor’s AA+ up to AA- A+ up to A- BBB+ up to BBB- BB+ up to BB-
AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB-
Fitch Rating AAA
AA+ up to AA- A+ up to A- BBB+ up to BBB- BB+ up to BB-
Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3 Ba1 s.d Ba3
Moody’s Aaa
Kategori Portofolio Aa1 up to Aa3 A1 up to A3 Baa1 up to Baa3 Ba1 up to Ba3
No
Portfolio Category
AA+(idn) s.d A+(idn) s.d. BBB+(idn) s.d BB+(idn) s.d
PT. Fitch
AA-(idn) A-(idn) BBB-(idn) BB-(idn)
Ratings AAA (idn)
AA+(idn) up to A+(idn) up to. BBB+(idn) up to BB+(idn) up to
Indonesia
AA-(idn) A-(idn) BBB-(idn) BB-(idn)
[Idr]AA+ s.d [Idr]A+ s.d [Idr]BBB+ s.d [Idr]BB+ s.d
PT. ICRA [Idr]AA- [Idr]A- [Idr]BBB- [Idr]BB-
[Idr] AAA
Indonesia [Idr]AA+ up to [Idr]A+ up to [Idr]BBB+ up to [Idr]BB+ up to
[Idr]AA- [Idr]A- [Idr]BBB- [Idr]BB-
id BBB+ s.d id
id BB+ s.d id BB-
PT Pemeringkat idA+ s.d id A- BBB-
idAAA id BB+ up to
Efek Indonesia idA+ up to id A- id BBB+ up to id
id BBid
BBBid
Tagihan Kepada Bank
Pembangunan Multilateral
dan Lembaga Internasional
3 - - - - - -
Claims on Multilateral
Development Banks and
International Institutions
Tagihan Kepada bank
4 - 1,214,847 61,623 79,866 611,081 -
Claims on Bank
Tagihan Berupa Covered Bond
5 Receivables of a Covered - - - - - -
Bond
Tagihan Kepada Perusahaan
Efek dan Lembaga Jasa
Keuangan Lainnya
6 - - - - - -
Receivables from Securities
Companies and Other
Financial Services Institutions
Tagihan Berupa Surat
Berharga/Piutang
Subordinasi, Ekuitas, dan
Instrumen Modal Lainnya
7 - - - - - -
Receivables in the form of
Securities/Subordinated
Receivables, Equity and
Other Capital Instruments
Kredit Beragunan Tempat
8 Tinggal - - - - - -
Home Collateral Credit
Kredit Beragun Properti
Komersial
9 - - - - - -
Commercial Property
Backed Loans
Kredit untuk Pengadaan
Tanah, Pengolahan Tanah,
dan Konstruksi
10 - - - - - -
Loan for Land Acquisition,
Land Management and
Construction
Kredit Pegawai atau
11 Pensiunan - - - - - -
Employee or Retiree Loans
Laporan Tahunan 2023
534 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 26
INFORMATION ON RISK EXPOSURE
AND CAPITAL
Tagihan Bersih
Net Bill
Peringkat Jangka Pendek
Short Term Rating
B+ s.d B- Kurang dari B- Kurang dari A-3
A-1 A-2 A-3
B+ up to B- Less than B- Less than A-3
B+ s.d B- Kurang dari B- F1+ s.d F1 Kurang dari F3
F2 F3
B+ up to B- Less than B- F1+ up to F1 Less than F3
B1 s.d B3 Kurang dari B3 Kurang dari P-3
P-1 P-2 P-3
B1 up to B3 Less than B3 Less than P-3
Tanpa
B+(idn) s.d F1+(idn) s.d Peringkat Total
Kurang dari Kurang dari
B-(idn) F1(idn) No Rating
B-(idn) F2(idn) F3(idn) F3(idn)
B+(idn) up to F1+(idn) up to
Less than B-(idn) Less than F3(idn)
B-(idn) F1(idn)
[Idr]B+ s.d [Idr]A1+ s.d [Idr]A2+ s.d [Idr]A3+ s.d
Kurang dari Kurang dari
[Idr]B- [Idr]A1 [Idr]A2 [Idr] A3
[Idr]B- [Idr]A3
[Idr]B+ up to [Idr]A1+ up to [Idr]A2+ up to [Idr]A3+ up to
Less than [Idr]B- Less than [Idr]A3
[Idr]B [Idr]A1 [Idr]A2 [Idr] A3
Kurang dari Kurang dari
id B+ s.d id B- idA3 s.d id A4
idB- idA1 idA2 idA4
id B+ up to id B- idA3 up to id A4
Less than id- Less than idA4
- - - - - - - -
- - - - - - 4,680,648 6,648,065
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - 9,068,474 9,068,474
- - - - - - 6,476 6,476
- - - - - - - -
- - - - - - 65,471,635 65,471,635
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 535
Page 27
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
Tagihan Bersih
Net Bill
Lembaga
Peringkat Jangka Panjang
Pemeringkat
Long Term Rating
Rating Agency
Standards and AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB-
AAA
Poor’s AA+ up to AA- A+ up to A- BBB+ up to BBB- BB+ up to BB-
AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB-
Fitch Rating AAA
AA+ up to AA- A+ up to A- BBB+ up to BBB- BB+ up to BB-
Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3 Ba1 s.d Ba3
Moody’s Aaa
Kategori Portofolio Aa1 up to Aa3 A1 up to A3 Baa1 up to Baa3 Ba1 up to Ba3
No
Portfolio Category
AA+(idn) s.d A+(idn) s.d. BBB+(idn) s.d BB+(idn) s.d
PT. Fitch
AA-(idn) A-(idn) BBB-(idn) BB-(idn)
Ratings AAA (idn)
AA+(idn) up to A+(idn) up to. BBB+(idn) up to BB+(idn) up to
Indonesia
AA-(idn) A-(idn) BBB-(idn) BB-(idn)
[Idr]AA+ s.d [Idr]A+ s.d [Idr]BBB+ s.d [Idr]BB+ s.d
PT. ICRA [Idr]AA- [Idr]A- [Idr]BBB- [Idr]BB-
[Idr] AAA
Indonesia [Idr]AA+ up to [Idr]A+ up to [Idr]BBB+ up to [Idr]BB+ up to
[Idr]AA- [Idr]A- [Idr]BBB- [Idr]BB-
id BBB+ s.d id
id BB+ s.d id BB-
PT Pemeringkat idA+ s.d id A- BBB-
idAAA id BB+ up to
Efek Indonesia idA+ up to id A- id BBB+ up to id
id BBid
BBBid
Tagihan Kepada Usaha
Mikro, Usaha Kecil, dan
12 Portofolio Ritel - - - - - -
Claims on Micro, Small
Business and Retail Portfolios
Tagihan Kepada Korporasi
13 - 156,810 935,624 1,804,325 696,311 -
Claims on the Corporation
Tagihan Yang Telah Jatuh
Tempo
14 - - 29 - - -
Claims That Have Been Due
Date
PENGUNGKAPAN TAGIHAN BERSIH BERDASARKAN BOBOT RISIKO SETELAH MEMPERHITUNGKAN DAMPAK
MITIGASI RISIKO KREDIT – BANK SECARA INDIVIDUAL
DISCLOSURE OF NET CLAIMS BASED ON RISK WEIGHT AFTER CALCULATING THE IMPACT OF CREDIT RISK
MITIGATION - BANK INDIVIDUALLY
Tabel 4.1.a. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit -
Bank secara Individual
Table of 4.1.a. Disclosure of Net Claims Based on Risk Weight After Calculating the Impact of Credit Risk Mitigation - Bank individually
31 Desember 2023
December 31, 2023
Kategori Portofolio Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit
No.
Portfolio Category Net Receivables on the Impact of Credit Risk Mitigation
Lainnya
0% 20% 35% 40% 45% 50% 75% 100% 150%
Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
EKSPOSUR NERACA
A
BALANCE SHEET EXPOSURE
Tagihan Kepada Pemerintah
1 36,582,948 - - - - - - - - -
Claims to Government
Tagihan Kepada Entitas Sektor
2 Publik - 508,115 - - - 7,854,857 - 136,837 71,233 -
Claims on Public Sector Entities
Laporan Tahunan 2023
536 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 28
INFORMATION ON RISK EXPOSURE
AND CAPITAL
Tagihan Bersih
Net Bill
Peringkat Jangka Pendek
Short Term Rating
B+ s.d B- Kurang dari B- Kurang dari A-3
A-1 A-2 A-3
B+ up to B- Less than B- Less than A-3
B+ s.d B- Kurang dari B- F1+ s.d F1 Kurang dari F3
F2 F3
B+ up to B- Less than B- F1+ up to F1 Less than F3
B1 s.d B3 Kurang dari B3 Kurang dari P-3
P-1 P-2 P-3
B1 up to B3 Less than B3 Less than P-3
Tanpa
B+(idn) s.d F1+(idn) s.d Peringkat Total
Kurang dari Kurang dari
B-(idn) F1(idn) No Rating
B-(idn) F2(idn) F3(idn) F3(idn)
B+(idn) up to F1+(idn) up to
Less than B-(idn) Less than F3(idn)
B-(idn) F1(idn)
[Idr]B+ s.d [Idr]A1+ s.d [Idr]A2+ s.d [Idr]A3+ s.d
Kurang dari Kurang dari
[Idr]B- [Idr]A1 [Idr]A2 [Idr] A3
[Idr]B- [Idr]A3
[Idr]B+ up to [Idr]A1+ up to [Idr]A2+ up to [Idr]A3+ up to
Less than [Idr]B- Less than [Idr]A3
[Idr]B [Idr]A1 [Idr]A2 [Idr] A3
Kurang dari Kurang dari
id B+ s.d id B- idA3 s.d id A4
idB- idA1 idA2 idA4
id B+ up to id B- idA3 up to id A4
Less than id- Less than idA4
- - - - - - 9,119,239 9,119,239
- 39,232 - - - - 14,991,329 18,623,630
- 88,359 - - - - 28,108 116,496
(dalam jutaan Rupiah/in IDR million)
31 Desember 2022
December 31, 2022
Beban Beban
ATMR Modal Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
RWA Capital Net Receivables on the Impact of Credit Risk Mitigation RWA Capital
Expenses Expenses
Lainnya
0% 20% 35% 40% 45% 50% 75% 100% 150%
Others
(13) (14) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
- - - - - - - - - - - - -
34,127,537
4,272,738 - - - - - - 5,781,640 83,551 71,015 - 4,317,788 -
2,473,790
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 537
Page 29
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
31 Desember 2023
December 31, 2023
Kategori Portofolio Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit
No.
Portfolio Category Net Receivables on the Impact of Credit Risk Mitigation
Lainnya
0% 20% 35% 40% 45% 50% 75% 100% 150%
Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Tagihan Kepada Bank
Pembangunan Multilateral dan
Lembaga Internasional
3 - - - - - - - - - -
Receivables from Multilateral
Development Banks and
International Institutions
Tagihan Kepada bank
4 - 1,497,314 110,562 - 4,517,183 1,896,862 8,349 - 481 -
Claims on Bank
Tagihan Berupa Covered Bond
5 - - - - - - - - - -
Receivables of a Covered Bond
Tagihan Kepada Perusahaan Efek
dan Lembaga Jasa Keuangan
Lainnya
6 - - - - - - - - - -
Receivables from Securities
Companies and Other Financial
Services Institutions
Tagihan Berupa Surat Berharga/
Piutang Subordinasi, Ekuitas, dan
Instrumen Modal Lainnya
7 Receivables in the form of - 850,457 - 214,485 - - - - 10,813 -
Securities/Subordinated
Receivables, Equity and Other
Capital Instruments
Kredit Beragunan Tempat Tinggal
8 - - 7,783,455 - - - 2,439,853 179 - -
Home Collateral Credit
Kredit Beragun Properti Komersial
9 - - - - - - 3,065 - - -
Commercial Property Backed Loans
Kredit untuk Pengadaan
Tanah, Pengolahan Tanah, dan
10 Konstruksi - - - - - - - - - -
Loan for Land Acquisition, Land
Management and Construction
Kredit Pegawai atau Pensiunan
11 - - - - - 61,897,903 - - - -
Employee or Retirement Loans
Tagihan Kepada Usaha Mikro,
Usaha Kecil dan Portofolio Ritel
12 - - - - 26,599 - 15,248,668 1,007,966 - -
Claims on Micro, Small and Retail
Portfolios
Tagihan Kepada Korporasi
13 - 556,093 - - - 2,270,241 610,607 15,945,693 278,109 -
Claims on the Corporation
Tagihan Yang Telah Jatuh Tempo
14 - - - - - 28,145 - 252,711 387,535 -
Claims That Have Been Due Date
Aset Lainnya
15 - - - - - - - - - 7,156,525
Other Assets
Total Eksposur Neraca
36,582,948 3,411,979 7,894,018 214,485 4,543,782 73,948,009 18,310,541 17,343,385 748,171 7,156,525
Total Balance Sheet Exposure
Laporan Tahunan 2023
538 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 30
INFORMATION ON RISK EXPOSURE
AND CAPITAL
31 Desember 2022
December 31, 2022
Beban Beban
ATMR Modal Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
RWA Capital Net Receivables on the Impact of Credit Risk Mitigation RWA Capital
Expenses Expenses
Lainnya
0% 20% 35% 40% 45% 50% 75% 100% 150%
Others
(13) (14) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
- - - - - - - - - - - - - -
3,094,919 - - 3,116,375 - - - 3,531,690 - - - - 2,389,120 -
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
272,105 - - - - - - - - - - - - -
4,165,078 - - - 9,068,474 - - - - - - - 3,173,966 -
2,605 - - - - - - - - 6,476 - - 6,476 -
- - - - - - - - - - - - - -
30,938,173 - - - - - - 65,471,635 - - - - 32,735,817 -
10,101,550 - - - - - - - 9,119,239 - - - 6,731,651 -
18,067,150 - - 1,684,665 - - - 2,448,791 - - - 14,490,174 16,051,502 -
848,087 - - - - - - - - 3,303 113,193 - 173,092 -
- - - - - - - - - - - 6,824,366 3,620,760 -
- - 34,127,537 4,801,041 9,068,474 - - 77,233,755 9,202,790 80,793 2,586,983 21,314,540 69,200,173 -
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 539
Page 31
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
31 Desember 2023
December 31, 2023
Kategori Portofolio Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit
No.
Portfolio Category Net Receivables on the Impact of Credit Risk Mitigation
Lainnya
0% 20% 35% 40% 45% 50% 75% 100% 150%
Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
EKSPOSUR KEWAJIBAN KOMITMEN/KONTINJENSI PADA TRANSAKSI REKENING ADMINISTRATIF
B
COMMITMENT/CONTINGENT LIABILITY EXPOSURE IN ADMINISTRATIVE ACCOUNT TRANSACTIONS
Tagihan Kepada Pemerintah
1 - - - - - - - - - -
Claims to Government
Tagihan Kepada Entitas Sektor
2 Publik - - - - - 237,362 - - - -
Claims on Public Sector Entities
Tagihan Kepada Bank
3 - 790 - 48,731 - - - - - -
Claims on Bank
Tagihan Kepada Perusahaan Efek
dan Lembaga Jasa Keuangan
Lainnya
4 - 10,000 - - - - - - - -
Receivables from Securities
Companies and Other Financial
Services Institutions
Kredit Beragun Rumah Tinggal
5 - - 17 - - - - - - -
Home Collateral Credit
Kredit Beragun Properti Komersial
6 - - - - - - - - - -
Commercial Property Backed Loans
Kredit untuk Pengadaan
Tanah, Pengolahan Tanah, dan
7 Konstruksi - - - - - - - - - -
Loan for Land Acquisition, Land
Management and Construction
Tagihan Kepada Usaha Mikro,
Usaha Kecil dan Portofolio Ritel
8 - - - - - - 113,326 13,100 - -
Claims on Micro, Small and Retail
Portfolios
Tagihan Kepada Korporasi
9 - 60,235 - - - 51,637 - 1,379,952 - -
Claims on the Corporation
Kredit Pegawai atau Pensiunan
10 - - - - - - - - - -
Employee or Retirement Loans
Tagihan Yang Telah Jatuh Tempo
11 - - - - - - - - - -
Claims That Have Been Due Date
Total Eksposur TRA
- - - - - - - - - -
Total TRA Exposure
EKSPOSUR AKIBAT KEGAGALAN PIHAK LAWAN (COUNTER PARTY CREDIT RISK)
C
EXPOSURE DUE TO COUNTER PARTY CREDIT RISK
Tagihan Kepada Pemerintah
1 - - - - - - - - - -
Claims to Government
Tagihan Kepada Entitas Sektor
2 Publik - - - - - - - - - -
Claims on Public Sector Entities
Laporan Tahunan 2023
540 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 32
INFORMATION ON RISK EXPOSURE
AND CAPITAL
31 Desember 2022
December 31, 2022
Beban Beban
ATMR Modal Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
RWA Capital Net Receivables on the Impact of Credit Risk Mitigation RWA Capital
Expenses Expenses
Lainnya
0% 20% 35% 40% 45% 50% 75% 100% 150%
Others
(13) (14) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
- - - - - - - - - - - - - -
118,681 - - - - - - - - 544,344 - - 272,172 -
19,650 - - - - - - - - - - - - -
2,000 - - - - - - - - - - - - -
5 - - - - - - - - - - - - -
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
96,130 - - - - - - - - - - - - -
1,417,818 - - - - - - - - 517,695 - - 517,695 -
- - - - - - - - - - - - - -
- - - - - - - - - - 192 - 288 -
- - - - - - - - - 1,062,039 192 - 790,155 -
- - 5,496,260 - - - - - - - - - - -
- - - - - - - - - - - - - -
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 541
Page 33
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
31 Desember 2023
December 31, 2023
Kategori Portofolio Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit
No.
Portfolio Category Net Receivables on the Impact of Credit Risk Mitigation
Lainnya
0% 20% 35% 40% 45% 50% 75% 100% 150%
Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Tagihan Kepada Bank
Pembangunan Multilateral dan
Lembaga Internasional
3 - - - - - - - - - -
Receivables from Multilateral
Development Banks and
International Institutions
Tagihan Kepada Bank
4 - 7,928 - - - - - - - -
Claims on Bank
Tagihan Kepada Perusahaan Efek
dan Lembaga Jasa Keuangan
Lainnya
5 - - - - - - - - - -
Receivables from Securities
Companies and Other Financial
Services Institutions
Tagihan Kepada Usaha Mikro,
Usaha Kecil dan Portofolio Ritel
6 - - - - - - - - - -
Claims on Micro, Small and Retail
Portfolios
Tagihan Kepada Korporasi
7 - - - - - - - - - -
Claims on the Corporation
Total Eksposur Counterparty
- 7,928 - - - - - - - -
Credit Risk
Tabel 4.2.a. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual
Table of 4.2.a. Disclosure of Net Receivables and Credit Risk Mitigation Techniques - Individual Banks
31 Desember 2023
December 31, 2023
Bagian Yang Dijamin Dengan
Kategori Portofolio
No. Tagihan Parts Guaranteed With
Portfolio Category
bersih Asuransi
Net Bill Agunan Garansi
Kredit
Collateral Waranty
Credit Insurance
(1) (2) (3) (4) (5) (6)
EKSPOSUR NERACA
A
BALANCE SHEET EXPOSURE
Tagihan Kepada Pemerintah
1 36,582,948 - - -
Claims to Government
Tagihan Kepada Entitas Sektor Publik
2 8,571,042 - - -
Claims on Public Sector Entities
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga
Internasional
3 - - - -
Receivables from Multilateral Development Banks and International
Institutions
Laporan Tahunan 2023
542 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 34
INFORMATION ON RISK EXPOSURE
AND CAPITAL
31 Desember 2022
December 31, 2022
Beban Beban
ATMR Modal Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
RWA Capital Net Receivables on the Impact of Credit Risk Mitigation RWA Capital
Expenses Expenses
Lainnya
0% 20% 35% 40% 45% 50% 75% 100% 150%
Others
(13) (14) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
- - - - - - - - - - - - - -
- - - 17,388 - - - - - - - - 3,478 -
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
- - - - - - - - - - - - - -
- - 5,496,260 17,388 - - - - - - - - 3,478 -
(dalam jutaan Rupiah/in IDR million)
31 Desember 2022
December 31, 2022
Bagian Yang Dijamin Dengan
Bagian Yang Parts Guaranteed With Bagian Yang
Tagihan
Tidak Dijamin Tidak Dijamin
bersih Asuransi
Lainnya Parts Not Agunan Garansi Lainnya Parts Not
Net Bill Kredit
Others Guaranteed Collateral Waranty Others Guaranteed
Credit Insurance
(8) = (3)- (8) = (3)-
(7) (3) (4) (5) (6) (7)
[(4)+(5)+(6)+(7)] [(4)+(5)+(6)+(7)]
- 36,582,948 34,127,537 - - - - 34,127,537
- 8,571,042 8,409,995 - - - - 8,409,995
- - - - - - - -
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 543
Page 35
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
31 Desember 2023
December 31, 2023
Bagian Yang Dijamin Dengan
Kategori Portofolio
No. Tagihan Parts Guaranteed With
Portfolio Category
bersih Asuransi
Net Bill Agunan Garansi
Kredit
Collateral Waranty
Credit Insurance
(1) (2) (3) (4) (5) (6)
Tagihan Kepada Bank
4 8,030,751 - - -
Claims on Bank
Tagihan berupa Covered Bond
5 - - - -
Receivables of a Covered Bond
Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan Lainnya
6 Receivables from Securities Companies and Other Financial Services - - - -
Institutions
Tagihan Berupa Surat Berharga/Piutang Subordinasi, Ekuitas, dan
Instrumen Modal Lainnya
7 1,075,755 - - -
Receivables in the form of Securities/Subordinated Receivables, Equity
and Other Capital Instruments
Kredit Beragunan Tempat Tinggal
8 10,223,487 - - -
Home Collateral Credit
Kredit Beragun Properti Komersial
9 3,065 - - -
Commercial Property Backed Loans
Kredit untuk Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi
10 -
Loan for Land Acquisition, Land Management and Construction
Kredit Pegawai atau Pensiunan
11 61,897,903 - - -
Employee or Retirement Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
12 16,283,233 - - 3,833,014
Claims on Micro, Small and Retail Portfolios
Tagihan Kepada Korporasi
13 19,660,743 - - -
Claims on the Corporation
Tagihan Yang Telah Jatuh Tempo
14 668,392 - - -
Matured Claims
Aset Lainnya
15 7,156,525 - - -
Other Assets
Total Eksposur Neraca
170,153,844 - - 3,833,014
Total Balance Sheet Exposure
EKSPOSUR KEWAJIBAN KOMITMEN/KONTINJENSI PADA TRANSAKSI REKENING ADMINISTRATIF
B
COMMITMENT/CONTINGENT LIABILITY EXPOSURE IN ADMINISTRATIVE ACCOUNT TRANSACTIONS
Tagihan Kepada Pemerintah
1 - - - -
Claims to Government
Tagihan Kepada Entitas Sektor Publik
2 237,362 - - -
Claims on Public Sector Entities
Tagihan Kepada Bank
3 49,521 - - -
Claims on Bank
Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan Lainnya
4 Receivables from Securities Companies and Other Financial Services 10,000 - - -
Institutions
Laporan Tahunan 2023
544 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 36
INFORMATION ON RISK EXPOSURE
AND CAPITAL
31 Desember 2022
December 31, 2022
Bagian Yang Dijamin Dengan
Bagian Yang Parts Guaranteed With Bagian Yang
Tagihan
Tidak Dijamin Tidak Dijamin
bersih Asuransi
Lainnya Parts Not Agunan Garansi Lainnya Parts Not
Net Bill Kredit
Others Guaranteed Collateral Waranty Others Guaranteed
Credit Insurance
(8) = (3)- (8) = (3)-
(7) (3) (4) (5) (6) (7)
[(4)+(5)+(6)+(7)] [(4)+(5)+(6)+(7)]
- 8,030,751 6,648,065 - - - - 6,648,065
- - - - - - - -
- - - - - - - -
- - - - - - - -
- 10,223,487 9,068,474 - - - - 9,068,474
- 3,065 6,476 - - - - 6,476
- - - - - - - -
- 61,897,903 65,471,635 - - - - 65,471,635
- 12,450,219 9,119,239 - - 195,961 - 8,923,278
- 19,660,743 18,623,630 - - - - 18,623,630
- 668,392 116,496 - - - - 116,496
- 7,156,525 6,824,366 - - - - 6,824,366
- 166,320,831 158,415,912 - - 195,961 - 158,219,951
- - - - - - - -
- 237,362 - - - - - -
- 49,521 - - - - - -
- - - - - - - -
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 545
Page 37
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
31 Desember 2023
December 31, 2023
Bagian Yang Dijamin Dengan
Kategori Portofolio
No. Tagihan Parts Guaranteed With
Portfolio Category
bersih Asuransi
Net Bill Agunan Garansi
Kredit
Collateral Waranty
Credit Insurance
(1) (2) (3) (4) (5) (6)
Kredit Beragun Rumah Tinggal
5 17 - - -
Home Collateral Credit
Kredit Beragun Properti Komersial
6 - - - -
Commercial Property Backed Loans
Kredit untuk Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi
7 - - - -
Loan for Land Acquisition, Land Management and Construction
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
8 126,427 - - -
Claims on Micro, Small and Retail Portfolios
Tagihan Kepada Korporasi
9 1,491,825 - - -
Claims on the Corporation
Kredit Pegawai atau Pensiunan
8 - - - -
Employee or Retirement Loans
Tagihan yang telah jatuh tempo
9 - - - -
Matured Claims
Total Eksposur TRA
1,915,151 - - -
Total TRA Exposure
EKSPOSUR AKIBAT KEGAGALAN PIHAK LAWAN (COUNTER PARTY CREDIT RISK)
C
EXPOSURE DUE TO COUNTER PARTY CREDIT RISK
Tagihan Kepada Pemerintah
1 - - - -
Claims to Government
Tagihan Kepada Entitas Sektor Publik
2 - - - -
Claims on Public Sector Entities
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga
Internasional
3 - - - -
Receivables from Multilateral Development Banks and International
Institutions
Tagihan Kepada Bank
4 7,928 - - -
Claims on Bank
Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan Lainnya
5 Receivables from Securities Companies and Other Financial Services - - - -
Institutions
Tagihan Kepada Korporasi
6 - - - -
Claims on the Corporation
Tagihan kepada usaha mikro, usaha kecil dan portofolio ritel
7 - - - -
Claims on Micro, Small and Retail Portfolios
Total Eksposure Counterparty Credit Risk
7,928 - - -
Total Counterparty Credit Risk Exposure
Laporan Tahunan 2023
546 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 38
INFORMATION ON RISK EXPOSURE
AND CAPITAL
31 Desember 2022
December 31, 2022
Bagian Yang Dijamin Dengan
Bagian Yang Parts Guaranteed With Bagian Yang
Tagihan
Tidak Dijamin Tidak Dijamin
bersih Asuransi
Lainnya Parts Not Agunan Garansi Lainnya Parts Not
Net Bill Kredit
Others Guaranteed Collateral Waranty Others Guaranteed
Credit Insurance
(8) = (3)- (8) = (3)-
(7) (3) (4) (5) (6) (7)
[(4)+(5)+(6)+(7)] [(4)+(5)+(6)+(7)]
- 17 - - - - - -
- - - - - - - -
- - - - - - - -
- 126,427 517,695 - - - - 517,695
- 1,491,825 544,344 - - - - 544,344
- - - - - - - -
- - - - - - - -
- 1,905,151 192 - - - - 1,062,039
- - 5,496,260 - - - - 5,496,260
- - - - - - - -
- - - - - - - -
- 7,928 17,388 - - - - 17,388
- - - - - - - -
- - - - - - - -
- - - - - - - -
- 7,928 5,513,648 - - - - 5,513,648
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 547
Page 39
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
PERHITUNGAN ATMR RISIKO KREDIT PENDEKATAN STANDAR: PENGUNGKAPAN EKSPOSUR ASET DI NERACA –
BANK SECARA INDIVIDUAL
CALCULATION OF RWA FOR CREDIT RISK STANDARDIZED APPROACH: DISCLOSURE OF ASSET EXPOSURE IN
BALANCE SHEET - BANK INDIVIDUALLY
Tabel 6.1.1. Pengungkapan Eksposur Aset di Neraca
Table 6.1.1. Disclosure of Asset Exposures in the Balance Sheet (dalam jutaan Rupiah/in IDR million)
31 Desember 2023 31 Desember 2022
December 31, 2023 December 31, 2022
Kategori Portofolio ATMR ATMR ATMR ATMR
No Tagihan Sebelum setelah Tagihan Sebelum setelah
Portfolio Category
Bersih MRK MRK Bersih MRK MRK
Net Claims RWA Before RWA After Net Claims RWA Before RWA After
MRK MRK MRK MRK
Tagihan Kepada Pemerintah
1 36,582,948 - - 34,127,537 - -
Claims to Government
Tagihan Kepada Entitas Sektor Publik
2 8,571,042 4,272,738 4,272,738 8,409,995 4,317,788 4,317,788
Claims on Public Sector Entities
Tagihan Kepada Bank Multilateral dan
Lembaga Internasional
3 - - - - - -
Claims on Banks multilateral and International
institution
Tagihan Kepada Bank
4 8,030,751 3,094,919 3,094,919 6,648,065 2,389,120 2,389,120
Claims on Banks
Tagihan berupa Covered Bond
5 - - - - - -
Receivables of a Covered Bond
Tagihan kepada Perusahaan Efek dan Lembaga
Jasa Keuangan Lainnya
6 1,075,755 272,105 272,105 - - -
Receivables from Securities Companies and
Other Financial Services Institutions
Tagihan Berupa Surat Berharga/Piutang
Subordinasi, Ekuitas, dan Instrumen Modal
Lainnya
7 - - - - - -
Receivables in the form of Securities/
Subordinated Receivables, Equity and Other
Capital Instruments
Kredit Beragunan Tempat Tinggal
8 10,223,487 4,165,078 4,165,078 9,068,474 3,173,966 3,173,966
Home Collateral Credit
Kredit Beragun Properti Komersial
9 3,065 2,605 2,605 6,476 6,476 6,476
Commercial property backed loans
Kredit untuk Pengadaan Tanah, Pengolahan
Tanah, dan Konstruksi
10 - - - - - -
Loan for Land Acquisition, Land Management
and Construction
Kredit pegawai atau pensiunan
11 61,897,903 30,948,952 30,938,173 65,471,635 32,735,817 32,735,817
Employee or Retirement Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil dan
12 Portofolio Ritel 16,283,233 12,321,608 10,101,550 9,119,239 6,839,429 6,731,651
Claims on Micro, Small, and Retail Portfolios
Tagihan Kepada Korporasi
13 19,660,743 18,067,150 18,067,150 18,623,630 16,051,502 16,051,502
Claims on Corporations
Tagihan Yang Telah Jatuh Tempo
14 668,392 848,087 848,087 116,496 173,092 173,092
Matured Claims
Aset Lainnya
15 7,156,525 - 3,709,485 6,824,366 3,620,760
Other Assets
Total 170,153,844 73,993,242 75,471,890 158,415,912 65,687,191 69,200,173
Laporan Tahunan 2023
548 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 40
INFORMATION ON RISK EXPOSURE
AND CAPITAL
PERHITUNGAN ATMR RISIKO KREDIT PENDEKATAN STANDAR: PENGUNGKAPAN EKSPOSUR KEWAJIBAN
KOMITMEN/KONTIJENSI PADA TRANSAKSI REKENING ADMINSTRATIF – BANK SECARA INDIVIDUAL
CALCULATION OF RWA FOR CREDIT RISK STANDARD APPROACH: DISCLOSURE OF EXPOSURE OF COMMITMENT/
CONTINGENT LIABILITIES IN ADMINISTRATIVE ACCOUNT TRANSACTIONS – BANK INDIVIDUALLY
Tabel 6.1.2. Pengungkapan Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening
Administratif
Table 6.1.2. Disclosure of Commitment/Contingent Liability Exposures in Off-balance sheet transactions (dalam jutaan Rupiah/in IDR million)
31 Desember 2023 31 Desember 2022
December 31, 2023 December 31, 2022
Kategori Portofolio ATMR ATMR ATMR ATMR
No Tagihan Sebelum setelah Tagihan Sebelum setelah
Portfolio Category
Bersih MRK MRK Bersih MRK MRK
Net Claims RWA Before RWA After Net Claims RWA Before RWA After
MRK MRK MRK MRK
Tagihan Kepada Pemerintah
1 - - - - - -
Claims to Government
Tagihan Kepada Entitas Sektor Publik
2 237,362 118,681 118,681 544,344 272,172 272,172
Claims on Public Sector Entities
Tagihan Kepada Bank
3 30,614 19,650 19,650 - - -
Claims on Banks
Tagihan kepada Perusahaan Efek dan Lembaga
Jasa Keuangan Lainnya
4 10,000 2,000 2,000 - - -
Receivables from Securities Companies and
Other Financial Services Institutions
Kredit Beragun Rumah Tinggal
5 17 5 5 - - -
Home Collateral Credit
Kredit Beragun Properti Komersial
6 - - - - - -
Commercial Property Backed Loans
Kredit untuk Pengadaan Tanah, Pengolahan
Tanah, dan Konstruksi
7 - - - - - -
Loan for Land Acquisition, Land Management
and Construction
Tagihan Kepada Usaha Mikro, Usaha Kecil dan
Portofolio Ritel
8 126,427 96,130 96,130 - - -
Claims on Micro, Small, and Retail Business
Portfolios
Tagihan Kepada Korporasi
9 1,491,825 1,417,818 1,417,818 517,695 517,695 517,695
Claims on Corporations
Kredit Pegawai atau Pensiunan
10 - - - - - -
Employee or Retirement Loans
Tagihan Yang Telah Jatuh Tempo
11 - - - 192 288 288
Matured Claims
Total 1,896,245 1,654,285 1,654,285 1,062,231 790,155 790,155
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 549
Page 41
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
PERHITUNGAN ATMR RISIKO KREDIT PENDEKATAN STANDAR: PENGUNGKAPAN EKSPOSUR YANG
MENIMBULKAN RISIKO KREDIT AKIBAT KEGAGALAN PIHAK LAWAN (COUNTERPARTY CREDIT RISK) –
BANK SECARA INDIVIDUAL
CALCULATION OF RWA FOR CREDIT RISK STANDARD APPROACH: DISCLOSURE OF EXPOSURES THAT CAUSE
CREDIT RISK DUE TO COUNTERPARTY CREDIT RISK - BANK INDIVIDUALLY
Tabel 6.1.3. Pengungkapan Eksposur yang menimbulkan Risiko Kredit akibat Kegagalan Pihak
Lawan (Counterparty Credit Risk) Individual
Table 6.1.3. Disclosure of Exposures that give rise to Credit Risk due to Failure of Individual Counterparty
Credit Risk (dalam jutaan Rupiah/in IDR million)
31 Desember 2023 31 Desember 2022
December 31, 2023 December 31, 2022
Kategori Portofolio ATMR ATMR ATMR ATMR
No
Portfolio Category Tagihan Sebelum setelah Tagihan Sebelum setelah
Bersih MRK MRK Bersih MRK MRK
Net Claims RWA Before RWA After Net Claims RWA Before RWA After
MRK MRK MRK MRK
Tagihan Kepada Pemerintah
1 - - - - - -
Claims to Government
Tagihan Kepada Entitas Sektor Publik
2 - - - - - -
Claims on Public Sector Entities
Tagihan Kepada Bank Multilateral dan
Lembaga Internasional
3 - - - - - -
Claims on Banks multilateral and International
institution
Tagihan Kepada Bank
4 7,928 - 1,586 - - -
Claims on Banks
Tagihan kepada Perusahaan Efek dan Lembaga
Jasa Keuangan Lainnya
5 - - - - - -
Receivables from Securities Companies and
Other Financial Services Institutions
Tagihan Kepada Usaha Mikro, Usaha Kecil dan
Portofolio Ritel
6 - - - - - -
Claims on Micro, Small, and Retail Business
Portfolios
Tagihan Kepada Korporasi
7 - - - - - -
Claims on Corporations
Total 7,928 - 1,586 - - -
PERHITUNGAN ATMR RISIKO KREDIT PENDEKATAN STANDAR: PENGUNGKAPAN TOTAL PENGUKURAN RISIKO
KREDIT – BANK SECARA INDIVIDUAL
CALCULATION OF RWA FOR CREDIT RISK STANDARD APPROACH: DISCLOSURE OF TOTAL CREDIT RISK
MEASUREMENT - BANK INDIVIDUALLYINESS UNITS
Tabel 6.1.7. Pengungkapan Total Pengukuran Risiko Kredit Individual
Table 6.1.7. Disclosure of Total Individual Credit Risk Measurement (dalam jutaan Rupiah/in IDR million)
31 Desember 2023 31 Desember 2022
December 31, 2023 December 31, 2022
PERHITUNGAN ATMR RISIKO KREDIT
77,127,761 69,990,328
RWA CALCULATION ON CREDIT RISK
TOTAL FAKTOR ATMR RISIKO KREDIT
Selisih lebih cadangan umum PPKA atas aset produktif yang wajib dihitung dengan
1,25% ATMR Risiko Kredit
964,097 -
TOTAL RWA CREDIT RISK FACTO
The excess of PPKA general reserves over productive assets which must be calculated
with 1.25% RWA for Credit Risk
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550 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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INFORMATION ON RISK EXPOSURE
AND CAPITAL
31 Desember 2023 31 Desember 2022
December 31, 2023 December 31, 2022
TOTAL ATMR RISIKO KREDIT (A) - (B)
76,163,664 69,990,328
TOTAL RWA CREDIT RISK (A) - (B)
TOTAL FAKTOR PENGURANG MODAL
- -
TOTAL CAPITAL REDUCTION FACTORS
Risiko Pasar Market Risk
Risiko pasar adalah risiko yang timbul atas portofolio pada posisi Market Risk is the risk arising from the portfolio in the balance sheet
neraca dan rekening administratif termasuk transaksi derivatif, and administrative account positions including derivative transactions,
akibat perubahan secara keseluruhan dari kondisi pasar, termasuk due to overall changes in market conditions, including the risk of
risiko perubahan harga option. Komponen risiko pasar meliputi: changes in option prices. Components of market risk include :
• Risiko suku bunga adalah risiko akibat perubahan harga • Interest Rate Risk is the risk due to changes in financial
instrumen keuangan dari posisi Trading Book yang disebabkan instrument prices from Trading Book positions caused by risk
oleh pergerakan sensitivitas risiko (risk factor) pada setiap factor movements on each instrument or due to changes in
instrumen atau akibat perubahan nilai ekonomis modal the Economic Value Of Equity of bank bjb from Banking Book
(economic value of equity) bank bjb dari aktivitas banking activities caused by changes in interest rates.
book yang disebabkan oleh perubahan suku bunga.
• Klasifikasi risiko suku bunga mencakup pula risiko suku bunga • Classification of interest rate risk also includes interest rate risk
dari posisi banking book yang antara lain meliputi repricing from the banking book position, which includes repricing risk,
risk, yield curve risk, basis risk, dan optionality risk. yield curve risk, basis risk, and optionality risk.
• Risiko nilai tukar adalah risiko akibat perubahan nilai posisi • Exchange Rate Risk is the risk due to changes in the value
terbuka valuta asing klasifikasi trading book atau akibat of open positions in the Trading Book classification or due
perubahan posisi devisa neto bank bjb (banking book) yang to changes in the position of bank bjb Net Open Exchange
disebabkan oleh perubahan nilai tukar valuta asing. (Banking Book) caused by changes in foreign exchange rates.
Risiko pasar timbul dari pergerakan/perubahan tingkat suku bunga Market risk arises from movements/changes in interest rates and/
dan/atau nilai tukar yang mempengaruhi posisi keuangan bank or exchange rates that affect the financial position of bank bjb,
bjb khususnya terhadap rasio permodalan. Secara garis besar, especially towards capital ratios. Broadly speaking, market risk
manajemen risiko pasar terbagi menjadi 2 (dua) yaitu manajamen management is divided into 2 (two), namely trading book market
risiko pasar trading book dan manajemen risiko pasar banking risk management and banking book market risk management.
book. Sumber risiko pasar trading book timbul dari aktivitas The source of trading book market risk arises from the Dealing
dealing room Divisi Treasuri akibat posisi terbuka bank bjb yang Room of the Treasury Division due to bank bjb open position
terekspos pergerakan suku bunga atau nilai tukar valuta asing. exposed to movements in interest rates or foreign exchange rates.
Sumber risiko pasar banking book timbul antara lain disebabkan Sources of banking book market risk arise, among others, due
oleh perubahan stuktur portofolio neraca dan rekening to changes in the structure of bank bjb balance sheet and
adminstratif bank bjb yang sensitif terhadap pergerakan suku administrative accounts which are sensitive to interest rate
bunga sehingga berdampak terhadap pendapatan bunga bersih movements so that it has an impact on net interest income and
dan yang yang disebabkan pula karena perubahan struktur which is also caused by changes in the structure of bank bjb
portofolio neraca dan rekening adminstratif bank bjb yang sensitif balance sheet and administrative accounts which are sensitive
terhadap pergerakan nilaii tukar yang tercermin dari posisi devisa to exchange rate movements reflected by bank bjb Net Open
neto bank bjb. Position.
Pengawasan Aktif Dewan Komisaris Active Supervision of the Board of
dan Direksi Commissioners and Board of Directors
Dewan Komisaris dan Direksi bertanggungjawab atas efektivitas The Board of Commissioners and Board of Directors are responsible
penerapan manajemen risiko pasar di bank bjb. Terkait wewenang for the effectiveness of the application of Market Risk Management
dan tanggung jawab pengawasan aktif Dewan Komisaris dan in bank bjb. Related to the authority and responsibility of active
Direksi bank bjb, Dewan Komisaris dan Direksi selalu memperoleh supervision of bank bjb Board of Commissioners and Board of
informasi yang jelas mengenai evaluasi dan penerapan manajemen Directors, the Board of Commissioners and Board of Directors
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 551
Page 43
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
risiko eksposur risiko pasar, pemantauan limit secara harian serta always obtain clear information regarding the evaluation and
langkah-langkah yang diambil oleh Risk Taking Unit khususnya application of risk management for market risk exposure, daily
terkait adanya pelampauan limit. monitoring of limits and steps taken by the Risk Taking Unit,
especially related to the existence of limit exceeding.
Dalam pelaksanaan pengawasannya, Dewan Komisaris dibantu In carrying out its supervision, the Board of Commissioners is
oleh Komite Pemantau Risiko (KPR), bank bjb secara berkala assisted by bank bjb Risk Monitoring Committee (KPR) periodically
melakukan pengawasan melalui koordinasi dengan Satuan Kerja conducts supervision in coordination with the Risk Management
Manajemen Risiko. Media koordinasi yang digunakan dapat berupa Work Unit (SKMR). The coordination media used can be in the
laporan pemantauan risiko oleh SKMR yang disampaikan kepada form of risk monitoring reports by SKMR submitted to the Risk
Komite Pemantau Risiko ataupun melalui media rapat antara Monitoring Committee or through media meetings between
kedua belah pihak. Pada implementasinya, pelaksanaan rapat the two parties. In its implementation, the meeting held
yang diadakan umumnya membahas penerapan manajemen risiko generally discusses the application of risk management in bank
di bank bjb menyangkut di antaranya penerapan pengukuran risk bjb involving among others the application of market risk risk
appetite dan risk tolerance risiko pasar, pembahasan profil risiko tolerance measurement, discussion of material risk profiles, as well
yang bersifat material, serta kecukupan dan evaluasi metodologi as the adequacy and evaluation of methodologies and/or market
dan/atau tools pengukuran risiko pasar yang dipergunakan Satuan risk measurement tools used by the Risk Management Work Unit.
Kerja Manajemen Risiko.
Pengawasan yang dilakukan oleh Direksi adalah melalui Supervision conducted by Board of Directors is through periodic
pemantauan penerapan limit treasury secara berkala baik terjadi monitoring of the application of Treasury limits, both breach
pelampauan limit (breach limit) maupun tidak terjadi pelampauan limits and no exceeding limits, and approval of new limits or
limit, dan melakukan persetujuan atas limit yang bersifat baru after changes are made, while the discussion of market risk
ataupun setelah dilakukan perubahan. Sedangkan pembahasan exposures was discussed in a Risk Management Committee
eksposur risiko pasar dibahas dalam rapat Komite Manajemen meeting. In line with market risk management policies regarding
Risiko/Risk Management Committee (RMC). Sejalan dengan the escalation stages of limit exceeding, every limit exceeding will
kebijakan manajemen risiko pasar mengenai tahapan eskalasi be informed and approved if abnormal conditions occur in the
pelampauan limit, setiap pelampauan limit akan diinformasikan Risk Management Committee (RMC) Market risk management is
dan disetujui apabila terjadi kondisi abnormal dalam Komite arranged in the form of policies, procedures, risk limits, and other
Manajemen Risiko (RMC). Pengelolaan risiko pasar tersebut decision results related to market risk management. Market risk
disusun ke dalam bentuk kebijakan, prosedur, limit risiko dan hasil limits and bank bjb risk appetite are evaluated periodically or at
keputusan lainnya terkait dengan pengelolaan risiko pasar. Limit any time needed to be evaluated in accordance with changes in
risiko pasar dan risk appetite bank bjb dievaluasi secara periodik bank bjb business environment.
atau sewaktu-waktu diperlukan untuk dilakukan evaluasi sesuai
dengan perubahan lingkungan bisnis bank bjb.
Kecukupan Kebijakan, Prosedur dan Penetapan Adequacy of Policies, Procedures, and Limit
Limit Determination
Sebagai penerapan manajemen risiko pasar yang bersifat dinamis, As a dynamic application of market risk management, bank bjb
Satuan Kerja Manajemen Risiko bank bjb melakukan pembaharuan Risk Management Work Unit regularly updates and evaluates bank
dan evaluasi atas kebijakan dan pedoman manajemen risiko bank bjb risk management policies and guidelines. Evaluate guidelines
bjb secara berkala. Evaluasi pedoman pengukuran limit risiko for measuring market risk limits by the Risk Management Work
pasar oleh Satuan Kerja Manajemen Risiko secara berkala dan Unit on a regular basis and discuss with the risk taking unit
dilakukan pembahasan dengan Risk Taking Unit (Divisi Treasury) (Treasury Division) and subsequently will be submitted to Board of
dan selanjutnya akan diajukan kepada Direksi untuk persetujuan Directors for approval of the guidelines referred to.
atas pedoman dimaksud.
Terkait dengan evaluasi penetapan limit dealing room Treasury In connection with the evaluation of the determination of the
dan ALM yang diajukan oleh Divisi Treasury, Satuan Kerja Dealing Room Treasury and ALM limits proposed by the Treasury
Manajemen Risiko melakukan evaluasi terhadap limit tersebut Division, the Risk Management Work Unit evaluates these limits
dengan metodologi yang telah disahkan dalam pedoman using the methodology that has been approved in bank bjb
manajemen risiko bank bjb. Limit untuk level portofolio treasury risk management guidelines. Limit for treasury portfolio level is
Laporan Tahunan 2023
552 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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INFORMATION ON RISK EXPOSURE
AND CAPITAL
dievaluasi minimal satu tahun sekali atau dapat dilakukan lebih evaluated at least once a year or can be done more frequently
sering jika terdapat pergerakan volatilitas harga pasar atau if there is a movement in market price volatility or changes in
perubahan business plan Risk Taking Unit. Evaluasi analisa business plan risk taking units. Evaluation of the analysis contains
tersebut sekurang-kurangnya memuat informasi mengenai latar at least information on the background of changes in limits,
belakang perubahan limit, kondisi saat ini, dasar perhitungan current conditions, the basis for calculating changes in limits,
dalam melakukan perubahan limit, kepatuhan terhadap regulasi compliance with regulations and the impact on capital.
dan dampak terhadap modal.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of the Risk Identification, Measurement,
Pemantauan, dan Pengendalian Risiko, Monitoring and Control Process, As Well As Risk
serta Sistem Informasi Manajemen Risiko Management Information System
Dalam melakukan penerapan manajemen risiko melalui proses In implementing Risk Management through the process of
identifikasi, pengukuran, pemantauan, dan pengendalian risiko, identifying, measuring, monitoring, and controlling Risk, as well
serta sistem informasi manajemen risiko untuk risiko pasar as the Risk Management information system for Market Risks
sebagaimana Surat Edaran Otoritas Jasa Keuangan Nomor 34/ as stated in the Financial Services Authority (OJK) Circular Letter
SEOJK.03/2016 tanggal 1 September 2016, bank bjb melakukan Number 34/DPNP.03/2016 dated September 1, 2016, bank bjb
penerapan manajemen risiko yaitu: implements risk management, namely:
1. Identifikasi Risiko Pasar 1. Market Risk Identification
Proses identifikasi risiko pasar meliputi identifikasi dari The process of identifying market risk includes identification
karakteristik produk baru, identifikasi sumber risiko pasar of the characteristics of new products and identification of
yang dapat berdampak kepada transaksi yang akan dilakukan sources of market risk that can have an impact on transactions
oleh dealing room Treasury. Proses identifikasi risiko yang that will be carried out by the Dealing Room Treasury. The
disesuaikan dengan risiko pasar melekat pada aktivitas risk identification process that is adjusted to Market Risk is
bisnis bank bjb yang meliputi risiko suku bunga antara lain inherent in bank bjb business activities which includes interest
repricing risk, yield curve risk, basis risk, optionality risk, dan rate risk including repricing risk, yield curve risk, basis risk,
untuk risiko nilai tukar antara lain tercermin dari besarnya and optionality risk and for exchange rate risk, among others,
eksposur transaksional. Satuan Kerja Manajemen Risiko juga reflected in the magnitude of transactional exposure. The Risk
melakukan review atau evaluasi atas produk maupun aktivitas Management Work Unit also reviews or evaluates products
yang terekspos pengaruh pergerakan variabel pasar. and activities that are exposed to the influence of market
variable movements.
2. Pengukuran Risiko Pasar 2. Market Risk Measurement
Pengelolaan portofolio Divisi Treasuri tanpa adanya dasar Management of the Treasury Division’s portfolio without a
pertimbangan dan penilaian risiko akan mengakibatkan basis for consideration and risk assessment will result in losses
kerugian di atas toleransi bank bjb dalam menyerap kerugian. above bank bjb tolerance in absorbing losses. One way to
Salah satu cara dalam menanggulangi kejadian risiko yang overcome risk events that can cause losses above bank bjb
dapat menyebabkan kerugian di atas toleransi risiko bank bjb risk tolerance is to use risk tolerance or transaction limits that
adalah penggunaan toleransi risiko atau limit transaksi yang are allowed by bank bjb management. Submission of limits
diperkenankan manajemen bank bjb. Pengajuan limit oleh by the Treasury Division as a risk-taking unit must obtain
Divisi Treasuri sebagai Risk Taking Unit harus mendapatkan a measurable risk assessment by the Credit, Market, and
kajian risiko secara terukur oleh Divisi Manajemen Risiko Integrated Risk Management Division. Submission of this limit
Kredit, Pasar dan Terintegrasi. Pengajuan limit ini bertujuan aims to facilitate management bank bjb in understanding the
untuk mempermudah manajemen bank bjb dalam memahami risks faced and managing the risks.
risiko yang dihadapi serta pengelolaan risikonya.
Pengajuan limit harus meliputi kriteria-kriteria sebagai Submission of limits must include the following criteria:
berikut:
Divisi Treasuri sebagai Risk Taking Unit menerapkan “trading” dan Treasury Division as a risk taking unit implements “trading” and
“hedging” secara berkala sebagai bagian dari proses pengelolaan “hedging” regularly as part of the Treasury business management
bisnis treasury khususnya bidang treasury trading. Pada konteks process, especially in the field of Treasury Trading. In the context
limit berbasis risiko ini, yang ditentukan adalah limit yang berkaitan of this risk-based limit, what is determined is the limit relating to
dengan aktivitas treasury. Dalam proses penerapan limit dilakukan Treasury activities. In the process of applying limits, an attempt
usaha pendekatan dimana terdapat komponen-komponen yang is made to approach where there are supporting components
mendukung di antaranya: including:
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1. Rencana Bisnis 1. Business Plan
a. Rencana bisnis harus secara luas mencantumkan tujuan a. The business plan must broadly state the objectives of
dari limit yang diminta, target pasar, pendapatan yang the requested limit, target market, expected income, and
diharapkan dan kebutuhan akan modal. Rencana tersebut capital requirements. The plan must qualify the way the
harus mengkualifikasikan cara bagaimana limit tersebut limit will be used, for example “trading” or “hedging”.
akan dipergunakan, contoh “trading” atau “hedging”.
b. Aplikasi limit harus mengidentifikasi mata uang dan pasar b. The limit application must identify specific currencies
spesifik yang menjadi eksposur terhadap tujuan unit bisnis. and markets that are exposure to the objectives of the
business unit.
2. Persyaratan Modal dan Proyeksi Pendapatan 2. Capital Requirements and Projection of Income
a. Divisi Treasuri meminta masukan dari Divisi Manajemen a. The Treasury Division requests input from the Credit,
Risiko Kredit, Pasar dan Terintegrasi dalam mengukur Market, and Integrated Risk Management Division in
alokasi modal yang harus disediakan dalam memitigasi measuring capital allocation that must be provided in
potensi kerugian yang akan timbul. mitigating potential losses that will arise.
b. Divisi Treasuri harus memberikan proyeksi pendapatan b. The Treasury Division must provide income projections
yang berhubungan dengan aplikasi limit. Proyeksi tersebut related to limit applications. This projection will facilitate
akan memudahkan Direksi dalam proses pengambilan Board of Directors in the decision process for approval of
keputusan persetujuan limit. limits.
3. Penggunaan Historis 3. Historical Use
Divisi Treasuri dapat memberikan analisa trend market outlook The Treasury Division can provide an analysis of market
dengan penggunaan historis yang ada atas eksposur risiko outlook trends with existing historical use of risk exposures
atau limit yang akan diterapkan. Prosedur kerja pengukuran or limits to be applied. The work procedure for measuring
limit unit bisnis Treasuri mempertimbangkan beberapa aspek Treasury business unit limits considers several aspects that
yang dinilai cukup berpotensial dalam menimbulkan kejadian are considered to be quite potential in causing risk events.
risiko. Komponen yang mendasari dalam pengukuran limit The underlying component in the measurement limit loading
memuat yaitu: namely:
a. Faktor Sensitivitas Risiko Pasar a. Market Risk Sensitivity Factor
Setiap aktivitas Treasuri terdapat risiko yang melekat (risk Each Treasury activity has risk inherent where the process
inherent) dimana proses dalam pengukuran risiko harus of measuring risk must be based on the risk sensitivity
didasarkan pada sensitivitas risiko yang melekat pada inherent in Treasury transaction activities. Market risk
aktivitas transaksi Treasuri. Faktor sensitivitas risiko pasar sensitivity factors include PV01, Duration and transaction
meliputi yaitu PV01, duration dan volatilitas transaksi. volatility.
b. Kecukupan Data b. Data Adequacy
Kecukupan data diperlukan sebagai kecukupan prosedur Adequacy of data is needed as an adequate statistical
analisis statistik dan agar analisis pengukuran terhadap analysis procedure and so that the measurement of risk
risiko menghasilkan output yang memadai dan sesuai analysis produces adequate output and is in accordance
dengan eksposur risiko yang dihadapi oleh bank bjb. Data with the risk exposures faced by bank bjb. The data
yang diperlukan adalah data historis yang dibutuhkan needed is historical data needed to strengthen an analysis
guna memperkuat suatu analisis pengukuran limit risiko. of risk limit measurements.
c. Pengukuran Value at Risk c. Measurement of Value Risk
Model Value at Risk tersebut dipergunakan dalam The Value at Risk model is used in measuring and
mengukur dan menganalisa risiko transaksi Treasuri analyzing Treasury transaction risk in a comprehensive and
secara komprehensif dan terukur. Misalnya, penggunaan measurable manner. For example, the use of VaR (value
VaR (value at risk) untuk mengukur kerugian/ budget at risk) to measure losses/budget loss on Treasury trading
loss atas aktivitas transaksi treasury trading selain itu transaction activities. In addition, the use of this model
kegunaan model ini juga dapat mengukur perkiraan can also measure the estimated worst losses that can be
kerugian terburuk yang dapat dialami bank bjb dalam experienced by bank bjb in certain intervals under normal
selang waktu tertentu pada kondisi pasar yang normal market conditions and a certain level of confidence.
dan tingkat kepercayaan tertentu.
Beberapa strategi pengelolaan risiko pasar yang dilakukan bank bjb Some of the market risk management strategies undertaken by
adalah mencakup sistem dan prosedur dengan menggunakan teknik bank bjb include systems and procedures using Mark To Market,
mark to market, mark to model, Value at Risk (VaR), stress testing, Mark to Model, Value at Risk (VaR), Stress Testing, Repricing Gap,
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repricing gap and duration gap model atau metode lain yang sesuai and Duration Gap Models or other appropriate methods to obtain
untuk mendapatkan nilai wajar eksposur secara berkala, sekaligus fair value of periodic exposures, as well as being the right platform
merupakan platform yang tepat untuk menilai posisi risiko. for assessing risk positions.
Pada saat ini bank bjb menerapkan metode yang mampu At this time bank bjb applies a method that is able to measure risk
mengukur risiko terhadap nilai tukar yaitu dengan menggunakan to the exchange rate, namely by using the EWMA Var (Exponential
Model Nilai Tukar Var EWMA (Exponential Weighted Moving Weighted Moving Average) Exchange Rate Model which is
Average) yang dilengkapi dengan fundamental analysis dan equipped with fundamental analysis and historical simulation to
historical simulation untuk menangkap tingkat risiko nilai tukar capture the exchange rate risk level reflected in the Net Open
yang tercermin dalam posisi devisa neto. bank bjb juga telah Position. bank bjb has also developed a model for measuring
membangun model pengukuran risiko tingkat suku bunga dengan interest rate risk using a methodology that can capture interest
menggunakan metodologi yang dapat menangkap risiko suku rate risk from portfolio assets and liabilities that are sensitive to
bunga dari portofolio aset dan kewajiban yang sensitif terhadap changes in interest rates and determine the amount of risk to bank
perubahan suku bunga serta menentukan besaran risiko terhadap bjb through Repricing Profile, Duration GAP, Economic Value of
bank bjb melalui pengukuran interest rate risk in the banking book Equity (EVE), and Net Interest Income sensitivity (NII). In the process
yang meliputi repricing profile, duration GAP, Economic Value of of measuring potential losses both interest rates and exchange
Equity (EVE), dan sensitivitas Net Interest Income (NII). Dalam proses rates of Treasury transactions are measured through historical VaR
pengukuran potensi kerugian baik itu suku bunga dan nilai tukar simulation both systemically (OPICS Risk) and manually. Testing
dari transaksi-transaksi treasury diukur melalui VaR simulasi historis. the internal feasibility of historical VaR simulations through back
Pengujian kelayakan internal VaR simulasi historis melalui back testing VaR vs Profit/Loss Treasury and is conducted regularly.
testing VaR vs profit/loss treasury dan dilakukan secara berkala.
Pemantauan Risiko Pasar Market Risk Monitoring
Aktivitas manajemen risiko dalam melakukan proses pemantauan Risk management activities in carrying out the process of
aktivitas bisnis antara lain melalui: monitoring business activities include:
1. Satuan Kerja Manajemen Risiko melakukan proses 1. The existence of an RMA (Risk Management Agency)
manajemen risiko pasar trading book melalui pemantauan that functions to carry out the trading book market risk
limit Treasury secara harian, misalnya ketentuan GWM, open management process through daily monitoring of Treasury
position, budget loss, risk sensitivity limit, dll. Sebagai upaya limits, for example the statutory reserve requirement, open
proses pemantauan yang efektif dan akurat, bank bjb telah positions, budget loss, risk sensitivity limits, etc. As an effort
mengukur eksposur risiko trading book yang dilakukan oleh to monitor the process effectively and accurately, bank bjb
dealing room Treasury. has an OPICS Risk system that functions in measuring trading
book risk exposure by the Treasury dealing room.
2. Pemantauan risiko nilai tukar banking book dilakukan melalui 2. Banking book exchange risk monitoring is carried out through
pemantauan posisi devisa neto secara harian agar berada monitoring the Net Open Position per 30 minutes and on
dalam toleransi limit internal bank bjb dan regulasi Bank a daily basis to be within the tolerance limits of bank bjb
Indonesia. internal limits and Bank Indonesia regulations.
3. Pemantauan risiko suku bunga banking book dilakukan 3. Banking book interest rate risk monitoring is carried out
melalui pengukuran repricing GAP, duration GAP, dan through measurement of Repricing GAP, Duration GAP, and
Economic Value of Equity (EVE) untuk melihat sensitivitas Economic Value of Equity (EVE) to see the sensitivity of bank
portofolio aktiva dan pasiva bank bjb dalam menghadapi bjb assets and liabilities portfolio in the face of changes in
perubahan suku bunga di masa datang. interest rates in the future.
4. Melakukan evaluasi terhadap eksposur risiko yang dimiliki 4. Evaluate the risk exposures held by bank bjb.
oleh bank bjb.
5. Apabila terjadi pelampauan limit, Divisi Manajemen Risiko 5. In the event of exceeding the limit, the Credit, Market, and
Kredit, Pasar dan Terintegrasi segera melakukan pelampauan Integrated Risk Management Division immediately conducts
tersebut kepada Direksi. this exceeding this to Board of Directors.
Pengendalian Risiko Pasar Market Risk Control
Strategi yang diambil oleh bank bjb dalam proses pengendalian Strategies taken by bank bjb in the process of controlling market
risiko pasar, antara lain melalui hedging, squaring position, back- risk include hedging, squaring positions, back-to-back and other
to-back dan cara lain yang bertujuan untuk meng-offset suatu means aimed at offsetting a transaction/position that has a loss
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transaksi/posisi yang mengalami kerugian serta stress testing guna and stress testing in order to see the resilience of bank bjb financial
melihat ketahanan posisi keuangan bank bjb dalam menghadapi position in facing crisis conditions. In addition, it can also be used
kondisi krisis. Selain itu pula dapat digunakan untuk mentransfer to transfer risks owned by the Treasury bank’s dealing room as
risiko yang dimiliki dealing room Treasury bank bjb sepanjang long as the risk transfer is still within bank bjb risk limit. bank bjb
transfer risiko tersebut masih berada dalam risk limit bank bjb. also limits or prohibits certain types of transactions or instruments
bank bjb juga membatasi atau melarang jenis transaksi atau to be transacted by business units and reduces risk by providing
instrumen tertentu untuk ditransaksikan oleh bisnis unit, serta a maximum limit of transactions or portfolios in accordance with
mengurangi risiko dengan cara memberikan batas maksimum bank bjb risk appetite.
transaksi atau portofolio sesuai dengan risk appetite bank bjb.
Sistem Pengendalian Intern yang Menyeluruh Comprehensive Internal Control System
Dalam rangka pengembangan penerapan manajemen risiko In the context of developing a dynamic application of risk
yang dinamis, Satuan Kerja Manajemen Risiko selalu melakukan management, the Risk Management Unit always evaluates
evaluasi atas kebijakan, prosedur dan limit risiko pasar secara market risk policies, procedures and limits on a regular basis. As
berkala. Sebagai upaya pengendalian risiko pasar berupa an effort to control market risk in the form of adequacy of policies
kecukupan kebijakan dan prosedur Satuan Kerja Manajemen and procedures of the Risk Management Work Unit, reviews of
Risiko, kaji ulang atas kebijakan dan prosedur dilakukan oleh unit policies and procedures are carried out by independent units, both
independen baik di internal ataupun pihak eksternal. internal and external parties.
Pelaksanaan kaji ulang dan evaluasi terhadap pengukuran risiko The review and evaluation of risk measurements carried out by the
yang dilakukan oleh Divisi Manajemen Risiko Kredit, Pasar dan Credit, Market, and Integrated Risk Management Division include:
Terintegrasi meliputi:
a. Kesesuaian kebijakan, desain proses manajemen risiko, sistem a. Conformity of policies, design of Risk Management processes,
informasi, dan pelaporan manajemen risiko bank bjb dengan information systems, and reporting of bank bjb risk management
kebutuhan bisnis, serta perkembangan peraturan dan praktik with bank business needs, as well as the development of
terbaik (best practice) terkait manajemen risiko. regulations and best practices related to Risk Management;
b. Metode, asumsi, dan variabel yang digunakan untuk b. The methods, assumptions, and variables used to measure risk
mengukur risiko dan menetapkan limit risiko pasar. and determine market risk limits;
c. Perbandingan antara asumsi yang digunakan dalam metode c. Comparison between assumptions used in the risk
pengukuran risiko yang dipergunakan dengan kondisi yang measurement method used and actual/actual conditions;
sebenarnya/aktual.
d. Perbandingan antara limit yang ditetapkan dengan eksposur d. Comparison between specified limits and actual/actual
yang sebenarnya/aktual. exposures;.
Hasil kaji ulang Satuan Kerja Manajemen Risiko (Divisi Manajemen The results of the Risk Management Work Unit (Credit, Market, and
Risiko Kredit, Pasar dan Terintegrasi) yang telah dikaji ulang oleh Integrated Risk Management Division) which have been reviewed
Satuan Kerja Audit Intern (SKAI) akan disampaikan dalam Komite by the Internal Audit Work Unit (SKAI) will be submitted to the
Manajemen Risiko (RMC) untuk kemudian diminta persetujuannya Risk Management Committee (RMC) for approval from Board of
kepada Direksi. Pembahasan tersebut dilakukan pula dengan Directors. The discussion was also conducted with the Board of
Dewan Komisaris yang dibantu oleh Komite Pemantau Risiko. Commissioners, assisted by the Risk Monitoring Committee. The
Kaji ulang yang dilakukan oleh Satuan Kerja Audit Intern (SKAI) review conducted by the Internal Audit Work Unit (SKAI) includes:
meliputi:
a. Keandalan kerangka manajemen risiko, yang mencakup a. Reliability of the Risk Management framework, which includes
kebijakan, struktur organisasi, alokasi sumber daya, desain policies, organizational structure, resource allocation, design
proses manajemen risiko, sistem informasi, dan pelaporan of the Risk Management process, information systems, and
risiko bank bjb. bank bjb Risk reporting;
b. Proses pemantauan yang dilakukan oleh Satuan Kerja b. The monitoring process carried out by the Risk Management
Manajemen Risiko. Work Unit;
c. Evaluasi atas metodologi pengukuran Satuan Kerja c. Evaluation of the measurement methodology of the Risk
Manajemen Risiko. Management Work Unit;.
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Pengungkapan Kuantitatif Risiko Pasar Quantitative Disclosure of Market Risk
Tabel 7.1. Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
Table 7.1. Disclosure of Market Risks Using the Standard Method (dalam jutaan Rupiah/in IDR million)
31 Desember 2023 31 Desember 2022
December 31, 2023 December 31, 2022
Jenis Risiko
No Bank Bank
Type of Risk
Beban Modal ATMR Beban Modal ATMR
Capital Expense RWA Capital Expense RWA
Risiko suku bunga
1
Interest Rate Risk
a. Risiko spesifik
61,576 769,700 53,980 674,747
Spesific Risk
b. Risiko umum
220,442 2,755,525 199,866 2,498,324
General Risk
Risiko nilai tukar
2 112,230 1,402,875 24,754 309,426
Exchange Rate Risk
Risiko ekuitas
3 - - - -
Equity Risk
Risiko komoditas
4 - - - -
Commodity Risk
Risiko option
5 - - - -
Option Risk
Total 394,248 4,928,100 278,600 3,482,497
Risiko Likuiditas Liquidity Risk
Risiko likuiditas adalah risiko akibat ketidakmampuan bank untuk Liquidity Risk is the risk due to the inability of banks to meet
memenuhi kewajiban yang timbul atau kewajiban yang telah jatuh obligations that arise or obligations that are due. This risk occurs
tempo. Risiko ini terjadi akibat kegagalan pengelolaan sumber due to the failure of the management of the source of funds and
dana dan penanaman dana (mismatch) atau kekurangan likuiditas investment of funds (mismatch) or lack of liquidity (shortage) which
(shortage) yang mengakibatkan bank tidak mampu memenuhi results in bank not being able to meet its financial obligations at
kewajiban keuangannya pada waktu yang telah ditetapkan. Risiko the specified time. Liquidity risk can be categorized as follows :
likuiditas dapat dikategorikan sebagai berikut:
a. Risiko likuiditas pasar, yaitu risiko yang timbul karena bank a. Market Liquidity Risk, the risk arising because banks are
tidak mampu melakukan offsetting posisi tertentu dengan unable to offsetting certain positions at market prices due to
harga pasar karena kondisi likuiditas pasar yang tidak inadequate market liquidity conditions or market disruption;
memadai atau terjadi gangguan di pasar (market disruption).
b. Risiko likuiditas pendanaan, yaitu risiko yang timbul karena b. Funding Liquidity Risk, the risk arising because banks are
bank tidak mampu mencairkan asetnya atau memperoleh unable to disburse their assets or obtain funding from other
pendanaan dari sumber dana lain. funding sources.
Pengawasan Aktif Dewan Komisaris Active Supervision of the Board of
dan Direksi Commissioners and Board of Directors
Dewan Komisaris dan Direksi bertanggungjawab atas efektivitas The Board of Commissioners and Board of Directors are responsible
penerapan manajemen risiko likuiditas di bank bjb. Terkait wewenang for the effectiveness of the implementation of Liquidity Risk
dan tanggung jawab pengawasan aktif Dewan Komisaris dan Management in bank bjb. Regarding the powers and responsibilities
Direksi bank bjb, Dewan Komisaris dan Direksi selalu memperoleh of active supervision of the Board of Commissioners and Board of
informasi yang jelas mengenai evaluasi dan penerapan manajemen Directors of bank bjb, the Board of Commissioners and Board
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risiko eksposur risiko likuiditas, pemantauan limit secara harian serta of Directors has always obtained clear information regarding the
langkah-langkah yang diambil oleh Risk Taking Unit khususnya terkait evaluation and implementation of risk management for liquidity risk
adanya pelampauan limit. Dalam pelaksanaan pengawasannya, exposure, daily limit monitoring as well as steps taken by the risk
Dewan Komisaris dibantu oleh Komite Pemantau Risiko (KPR) bank taking unit, especially in relation to the existence of exceedance of
bjb yang secara berkala melakukan pengawasan melalui koordinasi limit. In implementing its supervision, the Board of Commissioners
dengan Satuan Kerja Manajemen Risiko. Media koordinasi yang has been assisted by bank bjb Risk Monitoring Committee (KPR),
digunakan dapat berupa laporan pemantauan risiko oleh SKMR which has regularly performed supervision through coordination with
yang disampaikan kepada Komite Pemantau Risiko maupun melalui the risk management work unit. The coordination media used could
media rapat antara kedua belah pihak. Adapun rapat yang diadakan be in the form of risk monitoring reports by the Risk Management
tersebut pada umumnya membahas penerapan manajemen risiko Working Unit (SKMR) which were submitted to the Risk Monitoring
di bank bjb menyangkut di antaranya penerapan pengukuran risk Committee or through media meetings between the two parties. The
tolerance risiko likuiditas, stress testing likuiditas, pembahasan profil meetings held generally discuss the application of risk management at
risiko likuiditas yang bersifat material, dan kecukupan metodologi bank bjb, including the application of risk tolerance measurement for
pengukuran yang dipergunakan Satuan Kerja Manajemen Risiko. liquidity risk, stress testing of liquidity, discussion of material liquidity
Pengawasan yang dilakukan oleh Direksi yaitu memantau penerapan risk profiles, and the adequacy of the measurement methodology
limit Treasury secara berkala baik terjadi pelampauan limit (breach used by the Risk Management Work Unit. Supervision was carried
limit) maupun tidak terjadi pelampauan limit, melakukan persetujuan out by Board of Directors, namely monitoring the implementation of
atas limit yang bersifat baru ataupun perubahannya. Pembahasan treasury limits on a regular basis whether there was a breach limit or
tentang pengelolaan risiko likuiditas seperti komposisi deposan inti, there was no exceeding the limit, approving new limits or changes.
maturity profile bank bjb dilakukan dalam Rapat ALCO (Asset Liability Discussions on liquidity risk management such as the composition
Committee) sedangkan pembahasan eksposur risiko likuiditas seperti of core depositors, bank bjb maturity profiles were conducted at
profil risiko likuiditas yang bersifat material, liquidity stress testing, the Asset Liability Committee (ALCO) meeting, while discussions on
dan eksposur risiko likuiditas lainnya dibahas dalam rapat Komite liquidity risk exposures such as material liquidity risk profiles, liquidity
Manajemen Risiko (RMC). stress testing, and other liquidity risk exposures were discussed in the
Risk Management Committee (RMC) meeting.
Kecukupan Kebijakan, Prosedur dan Penetapan Adequacy of Policies, Procedures and Limit
Limit Determination
Sebagai upaya menghadapi permasalahan likuiditas mendasar, As an effort to deal with fundamental liquidity problems, bank bjb
bank bjb telah memiliki kebijakan dan pedoman terkait penerapan had policies and guidelines related to the implementation of liquidity
manajemen risiko likuiditas. Kebijakan dan pedoman tersebut risk management. The policies and guidelines included procedures
memuat di antaranya prosedur pengukuran risiko likuiditas, stress for measuring liquidity risk, liquidity stress testing including scenarios
testing likuiditas yang memuat skenario general market crisis dan of general market crisis and bank specific crisis and Guidelines for
bank specific crisis dan Pedoman Rencana Pendanaan Darurat/ Contingency Funding Plan (CFP). The determination of the current
Contingency Funding Plan (CFP). Penetapan limit likuiditas yang liquidity limit at bank bjb was the determination of the limit of
berjalan di bank bjb yaitu penetapan limit primary reserve, secondary primary reserve, secondary reserve, and excess reserve GWM, excess
reserve, dan excess reserve GWM, Liquidity Coverage Ratio (LCR) dan to total funding ratio and daily limit of Liquidity coverage ratio while
Net Stable Funding Ratio (NSFR) sedangkan untuk penetapan pagu the determination of the cash ceiling in Operational Branch was
kas di Cabang Operasional dilakukan oleh Divisi Operasi. carried out by the Operations Division.
Satuan Kerja Manajemen Risiko selalu melakukan evaluasi atas The risk management work unit always evaluates the policies,
kebijakan, prosedur dan analisis kinerja bank bjb terhadap limit procedures and performance analysis of bank bjb against the
yang diterapkan. Adapun perubahan limit dilakukan oleh Risk applied limits. The limit changes are carried out by the risk taking
Taking Unit untuk kemudian dilakukan evaluasi melalui pengukuran unit and then evaluated through standardized measurements by
yang telah distandardisasi oleh Satuan Kerja Manajemen Risiko. the Risk Management Work Unit.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of the Risk Identification, Measurement,
Pemantauan, dan Pengendalian Risiko, Monitoring and Control Process, As Well As the
serta Sistem Informasi Manajemen Risiko Risk Management Information System
Kebijakan risiko likuiditas mencakup risiko yang menyebabkan Liquidity risk policies include risks that cause bank bjb to suffer
bank bjb menderita kerugian akibat meningkatnya biaya dana atau losses due to increased funding costs or the presence of obstacles/
adanya hambatan/keterbatasan dalam memenuhi kewajiban yang limitations in meeting obligations that are due. Most financial
jatuh tempo. Sebagian besar transaksi finansial atau komitmen transactions or commitments have an impact on bank bjb liquidity.
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mempunyai dampak terhadap likuiditas bank bjb. Oleh karena itu, Therefore, banks are very vulnerable to liquidity problems, both
bank bjb sangat rentan terhadap masalah likuiditas, baik bagi bank for bank bjb themselves and their effects on bank bjb industry as
bjb itu sendiri maupun pengaruhnya terhadap industri perbankan a whole. bank bjb is required to meet their financial obligations
secara keseluruhan. bank bjb berkewajiban memenuhi kewajiban in a timely manner so that bank bjb must be able to maintain an
keuangannya secara tepat waktu sehingga bank bjb harus mampu adequate level of liquidity at all times.
memelihara suatu tingkat likuiditas yang memadai setiap waktu.
Dalam menentukan limit risiko likuiditas, bank bjb memperhatikan In determining the liquidity risk limit, bank bjb considered the
kondisi likuiditas dari aktiva-pasiva bank bjb. Likuiditas yang liquidity condition of bank bjb assets and liabilities. Large liquidity
cukup besar perlu dikelola secara baik dan dijadikan indikator needed to be managed properly and used as an indicator in
dalam menerapkan limit risiko likuiditas untuk mendukung upaya implementing liquidity risk limits to support efforts to increase
peningkatan profitabilitas bank bjb, karena likuiditas yang cukup bank bjb profitability, because sufficiently large liquidity would
besar justru akan meningkatkan idle fund dan akan merugikan actually increase idle funds and would be detrimental to bank bjb,
bagi bank bjb terutama bank bjb yang didanai nasabah korporasi. especially bank bjb funded by corporate customers. The liquidity
Gap likuiditas secara historis dapat dijadikan patokan dalam gap had historically been used as a benchmark in determining the
menentukan limit risiko likuiditas bagi bank bjb. Penerapan limit liquidity risk limit for a bank bjb. The implementation of the current
likuiditas yang berjalan di bank bjb yaitu penetapan limit primary liquidity limit at the bank bjb became the determination of the limit
reserve, secondary reserve dan ekses reserve GWM, excess to of primary reserve, secondary reserve, excess reserve requirement,
total funding ratio, Liquidity Coverage Ratio (LCR) dan Net Stable excess to total funding ratio and daily limit of Liquidity coverage
Funding Ratio (NSFR) sedangkan untuk penetapan pagu kas di ratio (LCR), while the determination of cash ceiling in Operational
Cabang Operasional dilakukan oleh Divisi Operasi. Branch was carried out by the Operations Division.
bank bjb telah memiliki sistem informasi pengukuran risiko likuiditas bank bjb has a liquidity risk measurement information system
seperti maturity profile, LCR dan NSFR. Satuan Kerja Manajemen such as maturity profile, LCR, and NSFR. The Risk Management
Risiko bersama Risk Taking Unit dalam tahapan integrasi sistem Unit together with the Risk Taking Unit in the integration stage
informasi maturity profile tersebut selalu diadakan rapat sebagai of the maturity profile information system always hold meetings
upaya mengetahui utilisasi progres yang telah dilakukan. Sistem to find out the utilization of the progress that has been made.
pelaporan maturity profile valas telah terintegrasi dan tervalidasi System The foreign currency maturity profile reporting system
dengan memadai sehingga pelaporannya tidak memerlukan had been adequately integrated and validated so that reporting
proses manual lagi. Sebagai langkah koordinasi manajemen bank did not require manual processing anymore. As a coordinating
bjb dalam menghadapi kejadian krisis likuiditas dikemudian hari, step for bank bjb management in facing future liquidity crisis,
bank bjb menyusun Tim Manajemen Krisis Likuiditas (Liquidity bank bjb is preparing a Liquidity Crisis Management Team as an
Crisis Management Team) sebagai langkah antisipatif dalam anticipatory step in responding to the liquidity crisis by carrying
menyikapi krisis likuiditas dengan menjalankan prosedur rencana out emergency funding plan procedures in accordance with the
pendanaan darurat sesuai dengan kerangka kerja contingency Contingency Funding Plan Scenario framework.
funding plan scenario.
Dalam proses pemantauan limit Risk Taking Unit, Satuan Kerja In the process of monitoring the Risk Taking Unit limit, the Risk
Manajemen Risiko selalu melakukan pemantauan limit secara Management Unit always monitors the limits on a daily basis and
harian dan dilaporkan kepada Direksi secara berkala. Adapun is reported to Board of Directors periodically. Meanwhile, in the
apabila terjadi eskalasi pelampauan limit maka akan segera event of an escalation in excess of the limit, it will be immediately
dilaporkan kepada Direksi termasuk upaya contingency plan yang reported to Board of Directors, including a contingency plan
akan dilakukan oleh Risk Taking Unit. Terkait menuju implementasi that will be carried out by the Risk Taking Unit. Related to the
Basel III yang terfokus kepada permasalahan likuiditas, Satuan implementation of Basel III which is focused on liquidity issues,
Kerja Manajemen Risiko bekerja sama dengan Unit Bisnis dan the Risk Management Work Unit in collaboration with the
Supporting Unit melakukan pengukuran dampak Basel III terhadap Business Unit and Supporting Unit measures the impact of Basel
bank bjb dengan melakukan simulasi perhitungan rasio Liquidity III on bank bjb by simulating the calculation of the LCR ratio
Coverage Ratio (LCR) dan Net Stable Funding Ratio (NSFR) yang (Liquidity Coverage Ratio) and NSFR (Net Stable Funding Ratio)
dibutuhkan oleh bank bjb agar terhindari dari dampak risiko which needed by bank bjb to avoid the effects of liquidity risk and
likuiditas dan kepatuhan internal maupun eksternal. internal and external compliance.
Sistem Pengendalian Intern yang Menyeluruh Comprehensive Internal Control System
Dalam rangka pengembangan penerapan manajemen risiko In the context of developing a dynamic application of risk
yang dinamis, Satuan Kerja Manajemen Risiko selalu melakukan management, the Risk Management Work Unit always evaluates
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 559
Page 51
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
evaluasi atas kebijakan, prosedur dan limit risiko likuiditas policies, procedures and liquidity risk limits on a regular basis. As
secara berkala. Sebagai upaya pengendalian risiko pasar berupa an effort to control market risk in the form of adequacy of policies
kecukupan kebijakan dan prosedur Satuan Kerja Manajemen and procedures of the Risk Management Work Unit, reviews of
Risiko, kaji ulang atas kebijakan dan prosedur dilakukan oleh unit policies and procedures are carried out by independent units,
independen baik di internal ataupun pihak eksternal. Satuan Kerja both internal and external parties. The Risk Management Work
Manajemen Risiko pun melakukan stress testing likuiditas bank Unit conducts stress testing of bank bjb liquidity and provides
bjb dan memberikan informasi kondisi kecukupan aset likuid information on the adequacy of liquid assets that are deemed
yang dipandang memadai untuk meng-cover penarikan dana adequate to cover sudden and large withdrawals of funds by
oleh nasabah secara tiba-tiba dan dalam jumlah besar. Laporan customers. The report is informed to Board of Directors and risk
tersebut diinformasikan kepada Direksi dan Risk Taking Unit agar taking units in order to get feed back and create risk awareness.
mendapatkan feedback dan menciptakan risk awareness.
Pengungkapan Kuantitatif Risiko Likuiditas Quantitative Disclosure of Liquidity Risk
PROFIL MATURITAS RUPIAH – BANK SECARA INDIVIDUAL PENGUNGKAPAN PROFIL MATURITAS RUPIAH
RUPIAH MATURITY PROFILE – BANK INDIVIDUALLY DISCLOSURE OF RUPIAH MATURITY PROFILE
Tabel 8.1.a. Pengungkapan Profil Maturitas Rupiah - Bank secara Individual
Table of 8.1.a. Disclosure of Rupiah Maturity Profile - Bank Individually (dalam jutaan Rupiah/in IDR million)
31 Desember 2023
December 31, 2023
Jatuh Tempo *)
Due Date *)
Pos-Pos Saldo >6 bulan
Post Balance >1 minggu >2 minggu >1 bulan >3 bulan
Sampai sampai
sampai sampai sampai sampai
dengan 1 dengan 12
dengan 2 dengan 1 dengan 3 dengan 6 >12 bulan
minggu bulan
minggu bulan bulan bulan >12 months
Up to 1 >6 months
>1 week to >2 weeks to >1 month >3 months
week to 12
2 weeks 1 month to 3 months to 6 monts
months
NERACA
I.
BALANCE
Aset
A. 166,608,098 22,540,669 1,034,252 2,183,720 33,272,456 6,323,519 14,507,550 86,745,932
Asset
Kas
1. 3,469,813 3,469,813 - - - - - -
Cash
Penempatan pada Bank Indonesia
2. 16,704,105 16,704,097 - - - - - 7
Placement with Bank Indonesia
Giro
a. 16,704,105 16,704,097 - - - - - 7
Current Account
b. SBI dan SDBI - - - - - - - -
Lainnya (Depo Facility, Term
Deposit dan Reverse Repo)
c. - - - - - - - -
Other (Depo Facility, Term
Deposit and Reverse Repo)
Penempatan pada bank lain
3. 2,207,368 2,130,383 76,985 - - - - -
Placement with Other Banks
Surat Berharga
4. 27,587,981 - - - 26,188,019 160,252 - 1,239,709
Securities
a. SUN 19,494,123 - - - 18,094,162 160,252 - 1,239,709
Diperdagangkan
1) 885,024 - - - 885,024 - - -
Traded
Tersedia untuk dijual
2) 16,787,853 - - - 16,787,853 - - -
Available for Sale
Dimiliki hingga jatuh tempo
3) 1,821,247 - - - 421,285 160,252 - 1,239,709
Held to Maturity
Laporan Tahunan 2023
560 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 52
INFORMATION ON RISK EXPOSURE
AND CAPITAL
31 Desember 2023
December 31, 2023
Jatuh Tempo *)
Due Date *)
Pos-Pos Saldo >6 bulan
Post Balance >1 minggu >2 minggu >1 bulan >3 bulan
Sampai sampai
sampai sampai sampai sampai
dengan 1 dengan 12
dengan 2 dengan 1 dengan 3 dengan 6 >12 bulan
minggu bulan
minggu bulan bulan bulan >12 months
Up to 1 >6 months
>1 week to >2 weeks to >1 month >3 months
week to 12
2 weeks 1 month to 3 months to 6 monts
months
Pinjaman yang diberikan dan
4) piutang - - - - - - - -
Loans and Receivables
Surat Berharga Korporasi
b. 8,093,858 - - - 8,093,858 - - -
Corporate Securities
Diperdagangkan
1) 6,981,701 - - - 6,981,701 - - -
Traded
Tersedia untuk dijual
2) 1,112,156 - - - 1,112,156 - - -
Available for Sale
Dimiliki hingga jatuh tempo
3) - - - - - - - -
Held to Maturity
Pinjaman yang diberikan dan
4) piutang - - - - - - - -
Loans and Receivables
Lainnya
c. - - - - - - - -
Others
Kredit yang Diberikan
5. 116,637,499 235,043 957,267 2,183,720 7,084,436 6,163,267 14,507,550 85,506,215
Loans Given
Belum Jatuh Tempo
a. 115,832,461 235,043 957,267 2,183,720 7,084,436 6,163,267 14,507,550 84,701,178
Not Yet Due
Sudah Jatuh Tempo
b. 805,037 - - - - - - 805,037
Matured
Tagihan Lainnya
6. - - - - - - - -
Other Receivables
Tagihan atas Surat Berharga
yang dibeli dengan janji dijual
a. kembali (RR) - - - - - - - -
Claims on Securities Purchased
Under Agreement to Resell (RR)
Lainnya
b. - - - - - - - -
Others
Lain-lain
7. 1,333 1,333 - - - - - -
Others
Kewajiban
B. 151,687,468 12,994,793 4,197,096 7,266,141 11,375,984 7,481,086 19,782,642 88,589,726
Obligation
Dana Pihak Ketiga
1. 126,465,232 7,355,299 4,129,345 6,918,697 8,286,743 7,438,100 14,321,570 78,015,476
Third Parties Fund
Giro
a. 21,306,875 3,763,783 176,969 176,969 1,415,754 2,123,631 4,247,262 9,402,507
Current Account
Tabungan
b. 31,274,859 1,348,959 1,278,537 3,105,019 2,264,837 3,397,257 6,794,512 13,085,739
Savings
Simpanan Berjangka
c. 73,883,498 2,242,558 2,673,840 3,636,709 4,606,152 1,917,212 3,279,796 55,527,230
Time Deposits
1) Deposito on call 1,894,959 674,519 81,839 692,339 117,320 - 328,943 -
Deposito berjangka
2) 71,988,539 1,568,039 2,592,001 2,944,371 4,488,832 1,917,212 2,950,853 55,527,230
Time Deposit
Lainnya
3) - - - - - - - -
Others
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 561
Page 53
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
31 Desember 2023
December 31, 2023
Jatuh Tempo *)
Due Date *)
Pos-Pos Saldo >6 bulan
Post Balance >1 minggu >2 minggu >1 bulan >3 bulan
Sampai sampai
sampai sampai sampai sampai
dengan 1 dengan 12
dengan 2 dengan 1 dengan 3 dengan 6 >12 bulan
minggu bulan
minggu bulan bulan bulan >12 months
Up to 1 >6 months
>1 week to >2 weeks to >1 month >3 months
week to 12
2 weeks 1 month to 3 months to 6 monts
months
Kewajiban kepada Bank Indonesia
2. - - - - - - - -
Obligations to Bank Indonesia
Kewajiban kepada bank lain
3. 2,013,867 1,393,127 67,751 347,444 89,238 42,986 73,072 250
Obligations to Other Banks
Surat Berharga yang Diterbitkan
4. 3,962,000 - - - - - 888,000 3,074,000
Securities Issued
Obligasi
a. 962,000 - - - - - 888,000 74,000
Bond
Subordinasi
b. 3,000,000 - - - - - - 3,000,000
Subordination
Lainnya
c. - - - - - - - -
Others
Pinjaman yang Diterima
5. 15,000,000 - - - 3,000,000 - 4,500,000 7,500,000
Loans Received
Pinjaman Subordinasi
a. - - - - - - - -
Subordinated Loans
Lainnya
b. 15,000,000 - - - 3,000,000 - 4,500,000 7,500,000
Others
Kewajiban Lainnya
6. 4,246,352 4,246,352 - - - - - -
Other Obligations
Kewajiban atas Surat Berharga
yang dijual dengan janji dibeli
kembali (Repo)
a. 4,246,352 4,246,352 - - - - - -
Obligations for Securities Sold
Under Repurchase Agreement
(Repo)
Lainnya
b. - - - - - - - -
Others
Lain-lain
7. 17 14 - - 3 - - -
Others
Selisih Aset dengan Kewajiban
dalam Neraca
C. 14,920,630 9,545,876 (3,162,844) (5,082,421) 21,896,472 (1,157,566) (5,275,093) (1,843,794)
Difference between Assets and
Liabilities in the Balance Sheets
REKENING ADMINISTRATIF
II.
ADMINISTRATIVE ACCOUNT
Tagihan Rekening Administratif
A. - - - - - - - -
Claim on Administrative Account
Komitmen
1. - - - - - - - -
Commitment
Fasilitas pinjaman yang belum
a. ditarik - - - - - - - -
Undisbursed Loans
Posisi pembelian spot dan
derivatif yang masih berjalan
b. - - - - - - - -
Outstanding Spot and Derivative
Purchases
Laporan Tahunan 2023
562 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 54
INFORMATION ON RISK EXPOSURE
AND CAPITAL
31 Desember 2023
December 31, 2023
Jatuh Tempo *)
Due Date *)
Pos-Pos Saldo >6 bulan
Post Balance >1 minggu >2 minggu >1 bulan >3 bulan
Sampai sampai
sampai sampai sampai sampai
dengan 1 dengan 12
dengan 2 dengan 1 dengan 3 dengan 6 >12 bulan
minggu bulan
minggu bulan bulan bulan >12 months
Up to 1 >6 months
>1 week to >2 weeks to >1 month >3 months
week to 12
2 weeks 1 month to 3 months to 6 monts
months
1) Spot - - - - - - - -
Derivatif
2) - - - - - - - -
Derivative
Lainnya
c. - - - - - - - -
Others
Kontijensi
2. - - - - - - - -
Contingencies
Kewajiban Rekening
Administratif
B. 7,614,985 31,910 563,066 283,342 1,946,859 366,399 1,425,615 2,997,794
Administrative Account
Obligations
Komitmen
1. 7,614,985 31,910 563,066 283,342 1,946,859 366,399 1,425,615 2,997,794
Commitment
Fasilitas Kredit yang belum
a. ditarik 7,614,985 31,910 563,066 283,342 1,946,859 366,399 1,425,615 2,997,794
Undisbursed Loans
Irrevocable L/C yang masih
berjalan
b. - - - - - - - -
Irrevocable L/C that is Still
Running
Posisi penjualan spot dan
derivatif yang masih berjalan
c. - - - - - - - -
Outstanding Spot and Derivative
Purchases
1) Spot - - - - - - - -
Derivatif
2) - - - - - - - -
Derivative
Lainnya
d. - - - - - - - -
Others
Kontijensi
2. - - - - - - - -
Contingencies
Selisih Tagihan dan Kewajiban
dalam Rekening Administratif
C. Difference between Claims and (7,614,985) (31,910) (563,066) (283,342) (1,946,859) (366,399) (1,425,615) (2,997,794)
Obligatins in Administrative
Account
Selisih ((IA-IB) + (IIA-IIB))
7,305,645 9,513,966 (3,725,910) (5,365,763) 19,949,613 (1,523,965) (6,700,708) (4,841,588)
Difference ((IA-IB) + (IIA-IIB))
Selisih Kumulatif
14,920,630 9,545,876 6,383,033 1,300,612 23,197,084 22,039,517 16,764,425 14,920,630
Cumulative Diffrence
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 563
Page 55
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
Tabel 8.1.b. Pengungkapan Profil Maturitas Rupiah - Bank secara Individual
Table of 8.1.b. Disclosure of Rupiah Maturity Profile - Bank Individually (dalam jutaan Rupiah/in IDR million)
31 Desember 2022
December 31, 2022
Jatuh Tempo *)
Due Date *)
Pos-Pos Saldo >6 bulan
Post Balance >1 minggu >2 minggu >1 bulan >3 bulan
Sampai sampai
sampai sampai sampai sampai
dengan 1 dengan 12
dengan 2 dengan 1 dengan 3 dengan 6 >12 bulan
minggu bulan
minggu bulan bulan bulan >12 months
Up to 1 >6 months
>1 week to >2 weeks to >1 month >3 months
week to 12
2 weeks 1 month to 3 months to 6 monts
months
NERACA
I.
BALANCE
Aset
A. 161,622,366 25,616,965 4,159,509 2,031,391 30,032,666 6,866,683 12,470,751 80,444,401
Asset
Kas
1. 3,228,282 3,228,282 - - - - - -
Cash
Penempatan pada Bank Indonesia
2. 17,483,140 17,483,130 - - - - - 10
Placement with Bank Indonesia
Giro
a. 12,483,140 12,483,130 - - - - - 10
Current Account
b. SBI dan SDBI - - - - - - - -
Lainnya (Depo Facility, Term
Deposit dan Reverse Repo)
c. 5,000,000 5,000,000 - - - - - -
Other (Depo Facility, Term
Deposit and Reverse Repo)
Penempatan pada bank lain
3. 2,213,541 2,113,541 100,000 - - - - -
Placement with Other Banks
Surat Berharga
4. 24,620,567 - - - 22,132,893 - 661,182 1,826,492
Securities
a. SUN 16,515,510 - - - 14,191,181 - 497,836 1,826,492
Diperdagangkan
1) 367,688 - - - 367,688 - - -
Traded
Tersedia untuk dijual
2) 13,823,493 - - - 13,823,493 - - -
Available for Sale
Dimiliki hingga jatuh tempo
3) 2,324,328 - - - - - 497,836 1,826,492
Held to Maturity
Pinjaman yang diberikan
4) dan piutang - - - - - - - -
Loans and Receivables
Surat Berharga Korporasi
b. 8,105,057 - - - 7,941,712 - 163,345 -
Corporate Securities
Diperdagangkan
1) 6,641,487 - - - 6,641,487 - - -
Traded
Tersedia untuk dijual
2) 1,300,225 - - - 1,300,225 - - -
Available for Sale
Dimiliki hingga jatuh tempo
3) 163,345 - - - - - 163,345 -
Held to Maturity
Pinjaman yang diberikan
4) dan piutang - - - - - - - -
Loans and Receivables
Lainnya
c. - - - - - - - -
Others
Kredit yang Diberikan
5. 108,307,828 288,799 1,059,509 2,031,391 7,883,977 6,866,683 11,559,570 78,617,899
Loans Given
Belum Jatuh Tempo
a. 107,657,399 288,799 1,059,509 2,031,391 7,883,977 6,866,683 11,559,570 77,967,470
Not Yet Due
Laporan Tahunan 2023
564 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 56
INFORMATION ON RISK EXPOSURE
AND CAPITAL
31 Desember 2022
December 31, 2022
Jatuh Tempo *)
Due Date *)
Pos-Pos Saldo >6 bulan
Post Balance >1 minggu >2 minggu >1 bulan >3 bulan
Sampai sampai
sampai sampai sampai sampai
dengan 1 dengan 12
dengan 2 dengan 1 dengan 3 dengan 6 >12 bulan
minggu bulan
minggu bulan bulan bulan >12 months
Up to 1 >6 months
>1 week to >2 weeks to >1 month >3 months
week to 12
2 weeks 1 month to 3 months to 6 monts
months
Sudah Jatuh Tempo
b. 650,429 - - - - - - 650,429
Matured
Tagihan Lainnya
6. 5,750,000 2,500,000 3,000,000 - - - 250,000 -
Other Receivables
Tagihan atas Surat Berharga
yang dibeli dengan janji dijual
a. kembali (RR) 5,750,000 2,500,000 3,000,000 - - - 250,000 -
Claims on Securities Purchased
Under Agreement to Resell (RR)
Lainnya
b. - - - - - - - -
Others
Lain-lain
7. 19,008 3,212 - - 15,796 - - -
Others
Kewajiban
B. 147,548,756 13,852,697 3,872,210 6,531,631 8,026,011 8,729,803 16,603,239 89,933,166
Obligation
Dana Pihak Ketiga
1. 121,753,421 7,658,039 3,840,177 6,308,588 7,959,571 7,180,106 13,831,443 74,975,497
Third Parties Fund
Giro
a. 24,766,773 4,374,962 205,706 205,706 1,645,650 2,468,475 4,936,950 10,929,325
Current Account
Tabungan
b. 26,548,140 1,145,084 1,085,305 2,635,743 1,922,541 2,883,813 5,767,625 11,108,029
Savings
Simpanan Berjangka
c. 70,438,507 2,137,993 2,549,166 3,467,139 4,391,380 1,827,818 3,126,868 52,938,143
Time Deposits
1) Deposito on call 1,806,602 643,068 78,023 660,057 111,849 - 313,606 -
Deposito berjangka
2) 68,631,904 1,494,925 2,471,143 2,807,083 4,279,530 1,827,818 2,813,263 52,938,143
Time Deposit
Lainnya
3) - - - - - - - -
Others
Kewajiban kepada Bank Indonesia
2. - - - - - - - -
Obligations to Bank Indonesia
Kewajiban kepada bank lain
3. 3,639,648 3,112,514 31,877 221,423 66,172 49,698 155,296 2,669
Obligations to Other Banks
Surat Berharga yang Diterbitkan
4. 5,571,500 - - - - - 916,500 4,655,000
Securities Issued
Obligasi
a. 1,878,500 - - - - - 916,500 962,000
Bond
Subordinasi
b. 3,693,000 - - - - - - 3,693,000
Subordination
Lainnya
c. - - - - - - - -
Others
Pinjaman yang Diterima
5. 13,500,000 - - - - 1,500,000 1,700,000 10,300,000
Loans Received
Pinjaman Subordinasi
a. - - - - - - - -
Subordinated Loans
Lainnya
b. 13,500,000 - - - - 1,500,000 1,700,000 10,300,000
Others
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 565
Page 57
INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
31 Desember 2022
December 31, 2022
Jatuh Tempo *)
Due Date *)
Pos-Pos Saldo >6 bulan
Post Balance >1 minggu >2 minggu >1 bulan >3 bulan
Sampai sampai
sampai sampai sampai sampai
dengan 1 dengan 12
dengan 2 dengan 1 dengan 3 dengan 6 >12 bulan
minggu bulan
minggu bulan bulan bulan >12 months
Up to 1 >6 months
>1 week to >2 weeks to >1 month >3 months
week to 12
2 weeks 1 month to 3 months to 6 monts
months
Kewajiban Lainnya
6. 3,082,144 3,082,144 - - - - - -
Other Obligations
Kewajiban atas Surat Berharga
yang dijual dengan janji dibeli
kembali (Repo)
a. 3,082,144 3,082,144 - - - - - -
Obligations for Securities Sold
Under Repurchase Agreement
(Repo)
Lainnya
b. - - - - - - - -
Others
Lain-lain
7. 2,043 - 156 1,620 268 - - -
Others
Selisih Aset dengan Kewajiban
dalam Neraca
C. 14,073,610 11,764,268 287,300 (4,500,240) 22,006,655 (1,863,120) (4,132,488) (9,488,765)
Difference between Assets and
Liabilities in the Balance Sheets
REKENING ADMINISTRATIF
II.
ADMINISTRATIVE ACCOUNT
Tagihan Rekening Administratif
A. - - - - - - - -
Claim on Administrative Account
Komitmen
1. - - - - - - - -
Commitment
Fasilitas pinjaman yang belum
a. ditarik - - - - - - - -
Undisbursed Loans
Posisi pembelian spot dan
derivatif yang masih berjalan
b. - - - - - - - -
Outstanding Spot and Derivative
Purchases
1) Spot - - - - - - - -
Derivatif
2) - - - - - - - -
Derivative
Lainnya
c. - - - - - - - -
Others
Kontijensi
2. - - - - - - - -
Contingencies
Kewajiban Rekening
Administratif
B. 5,611,107 18,728 317,053 651,237 1,386,038 780,582 211,032 2,246,438
Administrative Account
Obligations
Komitmen
1. 5,611,107 18,728 317,053 651,237 1,386,038 780,582 211,032 2,246,438
Commitment
Fasilitas Kredit yang belum
a. ditarik 5,611,107 18,728 317,053 651,237 1,386,038 780,582 211,032 2,246,438
Undisbursed Loans
Laporan Tahunan 2023
566 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 58
INFORMATION ON RISK EXPOSURE
AND CAPITAL
31 Desember 2022
December 31, 2022
Jatuh Tempo *)
Due Date *)
Pos-Pos Saldo >6 bulan
Post Balance >1 minggu >2 minggu >1 bulan >3 bulan
Sampai sampai
sampai sampai sampai sampai
dengan 1 dengan 12
dengan 2 dengan 1 dengan 3 dengan 6 >12 bulan
minggu bulan
minggu bulan bulan bulan >12 months
Up to 1 >6 months
>1 week to >2 weeks to >1 month >3 months
week to 12
2 weeks 1 month to 3 months to 6 monts
months
Irrevocable L/C yang masih
berjalan
b. - - - - - - - -
Irrevocable L/C that is Still
Running
Posisi penjualan spot dan
derivatif yang masih berjalan
c. - - - - - - - -
Outstanding Spot and Derivative
Purchases
1) Spot - - - - - - - -
Derivatif
2) - - - - - - - -
Derivative
Lainnya
d. - - - - - - - -
Others
Kontijensi
2. - - - - - - - -
Contingencies
Selisih Tagihan dan Kewajiban
dalam Rekening Administratif
C. Difference between Claims and (5,611,107) (18,728) (317,053) (651,237) (1,386,038) (780,582) (211,032) (2,246,438)
Obligatins in Administrative
Account
Selisih ((IA-IB) + (IIA-IIB))
8,462,502 11,745,540 (29,753) (5,151,476) 20,620,617 (2,643,702) (4,343,519) (11,735,204)
Difference ((IA-IB) + (IIA-IIB))
Selisih Kumulatif
14,073,610 11,764,268 12,051,568 7,551,328 29,557,983 27,694,863 23,562,375 14,073,610
Cumulative Diffrence
Risiko Operasional Operational Risk
Risiko operasional adalah risiko akibat ketidakcukupan dan/ Operational risk is the risk due to inadequate and/or malfunctioning
atau tidak berfungsinya proses internal, kesalahan manusia, internal processes, human error, system failure, and/or external
kegagalan sistem, dan atau adanya kejadian-kejadian eksternal events that affected bank bjb operations. Operational risk is
yang mempengaruhi operasional bank bjb. Risiko operasional inherent in all bank bjb activities, therefore operational risk can
melekat kepada seluruh aktivitas bank bjb, oleh karena itu risiko not be eliminated but can be controlled through adequate risk
operasional tidak dapat dihilangkan namun dapat dikendalikan mitigation. The impact of losses from operational risk can be
melalui mitigasi risiko yang memadai. Dampak kerugian dari risiko in the form of financial losses or non-financial losses. bank bjb
operasional dapat berupa kerugian keuangan atau kerugian non implements governance regarding operational risk management
keuangan. bank bjb melakukan tata kelola mengenai pengelolaan through three lines of defense, namely the Risk Taking Unit as the
risiko operasional yang dilakukan melalui three line of defense first line of defense, Operational Risk Management work unit as
yaitu Risk Taking Unit sebagai lini pertahanan pertama, unit kerja the second line of defense, and Internal Audit as the third line of
Manajemen Risiko Operasional sebagai lini pertahanan kedua, defense.
serta Internal Audit sebagai lini pertahanan ketiga.
Lini pertahanan pertama memiliki tanggung jawab untuk The first line of defense has the responsibility to ensure that
memastikan bahwa seluruh proses operasional yang dilakukan all operational processes carried out are in accordance with
telah sesuai dengan kebijakan dan prosedur yang berlaku, applicable policies and procedures, identify operational risks and
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INFORMASI EKSPOSUR RISIKO
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melakukan identifikasi risiko operasional serta melakukan mitigasi mitigate operational risk events. The second line of defense, which
atas peristiwa kejadian risiko operasional. Lini pertahanan kedua functions to support and ensure that work units on the first line
yang berfungsi untuk mendukung dan memastikan unit kerja of defense have effectively carried out risk management. The
pada lini pertahanan pertama telah melakukan pengelolaan third line of defense has the role to ensure the operational risk
risiko secara efektif. Lini pertahanan ketiga memiliki peran untuk management process carried out by the first and second line of
memastikan proses pengelolaan risiko operasional yang dilakukan defense has been carried out effectively in mitigating risk events
oleh lini pertahanan pertama dan kedua telah berlangsung that have already occurred and that are potential in nature so as
secara efektif dalam memitigasi kejadian risiko yang sudah terjadi not to cause potential losses to bank bjb.
maupun yang bersifat potensial agar tidak menimbulkan potensi
kerugian bagi bank bjb.
Pengawasan Aktif Dewan Komisaris Active Supervision of the Board of
dan Direksi Commissioners and Board of Directors
Dewan Komisaris dan Direksi melakukan pengawasan aktif atas The Board of Commissioners and Board of Directors carry out active
manajemen risiko operasional, antara lain melalui Komite Risiko oversight of operational risk management, including through the
baik yang berada pada level Dewan Komisaris maupun Direksi. Risk Committee both at the level of commissioners and Board
Dalam pelaksanaan pengawasan aktif yang dilakukan Dewan of Directors. In the implementation of active supervision carried
Komisaris, dilakukan melalui Komite Pemantau Risiko. Sementara out by the Board of Commissioners, it is conducted through
pada tingkat Direksi dilakukan melalui Komite Manajemen Risiko the Risk Monitoring Committee. While at Board of Directors
yang anatara lain membahas mengenai kebijakan manajemen level, it is carried out through the Risk Management Committee
risiko bank bjb. Dalam rangka meminimalisir kejadian fraud, while discussing bank bjb risk management policies. In order
Direksi melakukan sosialisasi kepada seluruh pegawai mengenai to minimize the incidence of fraud, Board of Directors conducts
pencegahan terkait fraud sebagai langkah untuk meningkatkan socialization to all employees regarding fraud prevention as a
awareness pegawai mengenai kejadian fraud. Selain itu, sebagai step to increase employee awareness regarding fraud events. In
upaya dalam peningkatan awareness terhadap risiko operasional addition, as an effort to increase awareness of operational risk,
bank bjb menerbitkan comic strip “Kang Risman” secara rutin the bank bjb regularly publishes the comic strip “Kang Risman”
yang berisi mengenai penerapan manajemen risiko operasional containing the implementation of operational risk management in
pada setiap aktivitas bank bjb. every bank bjb activity.
bank bjb memiliki unit kerja independen yang melaksanakan bank bjb has an independent work unit that carry out bankwide
pengelolaan manajemen risiko operasional secara bankwide yaitu operational risk management, namely the Operational Risk Group,
Grup Manajemen Risiko Operasional yang berada dibawah Divisi which is under the Risk Management Division. This unit has a role
Manajemen Risiko. Unit ini memiliki peran dalam menetapkan in setting standards and policies for operational risk management,
standard dan kebijakan pengelolaan risiko operasional, dan and in liaising and coordinating with all business units and
berhubungan serta berkoordnasi dengan seluruh unit bisnis supporting units to ensure adequate and sufficient mitigation
dan supporting unit untuk memastikan langkah mitigasi yang measures are taken to prevent potential operational risks.
dilakukan telah cukup dan memadai untuk mencegah potensi
risiko operasional.
bank bjb melakukan pengelolaan risiko operasional pada seluruh bank bank bjb has managed operational risk in all activities, where
aktivitas, dimana seluruh pegawai wajib berperan serta dalam all employees are required to participate in managing operational
mengelola risiko operasional pada unit kerja masing-masing risk in their respective work units and pay attention to effective
serta memperhatikan kontrol yang efektif untuk mengantisipasi controls to anticipate possible risks that may harm bank bjb.
kemungkinan terjadinya risiko yang dapat merugikan bank bjb.
Kecukupan Kebijakan, Prosedur dan Penetapan Adequacy of Policies, Procedures and Limit
Limit Determination
bank bjb telah memiliki kebijakan serta pedoman manajemen bank bjb has policies and operational risk management guidelines
risiko operasional yang secara berkala dilakukan pembaharuan which are regularly updated and evaluated on bank bjb risk
dan evaluasi atas kebijakan dan pedoman manajemen risiko bank management policies and guidelines. In addition, bank bjb
bjb tersebut. Selain itu bank bjb juga telah memiliki kebijakan also has other policies related to operational risk management,
lain terkait manajemen risiko operasional, di antaranya kebijakan including anti-fraud policies, Business Continuity Management
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INFORMATION ON RISK EXPOSURE
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manajemen risiko, kebijakan sistem pengendalian internal, policies which include the Business Continuity Plan as a bank bjb
kebijakan anti fraud, kebijakan business continuity management business continuity procedure, Emergency Response Plan as a
yang didalamnya meliputi business continuity plan sebagai disaster emergency response procedure in the context of saving
prosedur kelangsungan usaha bank bjb, emergency response data and assets and Disaster Recovery Plan as a procedure for the
plan sebagai prosedur tanggap darurat bencana dalam rangka continuity of systems and infrastructure supporting Information
penyelamatan data dan aset serta disaster recovery plan sebagai Technology, Information Technology Management Policies.
prosedur kelangsungan sistem dan infrastruktur pendukung Besides that, related to product development policies and new
teknologi informasi, kebijakan pengelolaan teknologi informasi. activities, an analysis is first carried out to assess the risks inherent
Di samping itu terkait dengan kebijakan pengembangan produk in these activities/products..
dan aktivitas baru terlebih dahulu dilakukan analisa untuk menilai
risiko yang melekat terhadap aktivitas/produk tersebut.
bank bjb memiliki prosedur operasional untuk proses aktivitas bank bjb has operational procedures for the process of bank bjb
kegiatan operasional bank bjb yang harus dilaksanakan oleh operational activities that must be carried out by each work unit
setiap unit kerja dengan memperhatikan sistem pengendalian by taking into account adequate internal control systems so as to
intern yang memadai sehingga dapat meminimalisir kemungkinan minimize the possibility of operational risk at bank bjb. In addition
terjadinya risiko operasional pada bank bjb. Selain itu bank bjb bank bjb has a policy related to authority limits in operational
memiliki kebijakan terkait limit kewenangan dalam kegiatan activities, segregation of duties and responsibilities at each level of
operasional, pemisahan tugas dan tanggung jawab pada setiap position, as well as approval for each escalation.
level jabatan, serta adanya approval untuk setiap eskalasi.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of the Risk Identification,
Pemantauan, dan Pengendalian Risiko, Measurement, Monitoring, and Control Process,
serta Sistem Informasi Manajemen Risiko and the Risk Management Information System
Dalam mendukung penerapan manajemen risiko operasional In supporting the implementation of the operational risk
untuk proses identifikasi, pengukuran, pemantauan, dan management for the process of identifying, measuring, monitoring
pengendalian risiko, bank bjb telah mengembangkan alat bantu and controlling Risk, bank bjb has developed risk management
manajemen risiko yaitu: tools, namely:
a. Risk Control Self Assessment (RCSA) merupakan penilaian a. Risk Control Self Assessment (RCSA) is a selfassessment to
sendiri untuk mengukur eksposur risiko dari kumpulan risk measure risk exposures from a collection of risk registers as an
register sebagai analisis potensi risiko dari kegiatan operasional analysis of potential risks from bank bjb operations. The RCSA
bank bjb. Penilaian RCSA mencakup assessment untuk sistem assessment includes an assessment for the risk control system
pengendalian risiko yang telah diimplementasikan bank bjb. that bank bjb has implemented.
b. Key risk indicator merupakan tools yang digunakan untuk b. Key Risk Indicator is a tool used to measure risk exposures
mengukur eksposur risiko melalui pengukuran terhadap through measurement of risk indicators that are set as key
indikator risiko yang ditetapkan sebagai key risk sebagai early risks as an early warning in detecting potential risks.
warning dalam mendeteksi potensi- potensi risiko.
c. Loss event database merupakan pengumpulan data peristiwa c. Loss Event Database is a collection of risk event data that
risiko yang terjadi. Data ini bertujuan sebagai pemenuhan occurs. This data aims as a fulfillment of the internal loss
internal loss database sehingga bank bjb memiliki data database so that bank bjb has data on losses that have
kerugian yang pernah terjadi pada bank bjb selain itu data occurred at bank bjb besides the data can also be used to
tersebut juga dapat digunakan untuk pengukuran kecukupan measure.
modal dengan metode yang lebih advance.
Di samping itu bank bjb menerapkan pelaksanaan Focus Group In addition, bank bjb has implemented a Focus Group Discussion
Discussion (FGD) mengenai issue risiko operasional beserta upaya (FGD) regarding operational risk issues and control efforts
pengendalian yang secara rutin dilakukan oleh masing-masing routinely carried out by each work unit. The process of identifying,
unit kerja. Proses identifikasi, pengukuran, pemantauan dan measuring, monitoring and controlling operational risk requires
pengendalian risiko operasional tersebut diperlukan dukungan adequate infrastructure and human resources support in
infrastruktur dan sumber daya manusia yang memadai sesuai accordance with the scope and complexity of bank bjb business.
dengan lingkup dan kompleksitas bisnis bank bjb. Selain itu In addition, there is Internal Control in terms of supporting the
terdapat Kontrol Internal dalam hal mendukung pelaksanaan implementation of compliance and risk management functions
fungsi kepatuhan dan manajemen risiko melalui monitoring dan through monitoring and evaluating the implementation of
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evaluasi pelaksanaan fungsi kepatuhan dan manajemen risiko compliance and risk management functions in operational and
dalam aktivitas operasional dan perkreditan dengan sasaran credit activities with the aim of identifying aspects of compliance
untuk mengidentifikasi aspek kepatuhan dan manajemen risiko and risk management implemented by Branch Offices and
yang dilaksanakan oleh Kantor Cabang maupun Kantor Wilayah. Regional Offices. For operational risk measurement related to
Untuk pengukuran risiko operasional yang terkait dengan alokasi capital allocation and operational risk RWA, bank bjb calculates
modal dan ATMR risiko operasional, maka bank bjb dilakukan it using the Basic Indicator Approach method in accordance with
perhitungan dengan metode pendekatan standar sesuai dengan the provisions of the regulator.
ketentuan dari regulator.
Pengungkapan Kuantitatif Risiko Operasional Quantitative Disclosure Operational Risk
Tabel Tabel 9.1.a. Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual
Table of 9.1.a. Quantitative Disclosure of Operational Risk – Bank Individually (dalam jutaan Rupiah/in IDR million)
31 Desember 2023 31 Desember 2022
December 31, 2023 December 31, 2022
Modal Pendapatan
Komponen
Kategori Portfolio Minimum Bruto (Rata-
No Indikator Beban
Portfolio Category Risiko rata 3 tahun
Bisnis ATMR Modal ATMR
Operasional terakhir)
Components RWA Capital RWA
Minimum Gross Income
of Business Expense
Operational (Average Of The
Indicators
Risk Capital Past 3 Years)
(1) (2) (3) (4) (5) (6) (7) (8)
Pendekatan Indikator Dasar
1 536,282 536,282 6,703,526 7,886,150 1,182,922 14,786,531
Basic Indicator Approach
Total Eksposur
536,282 536,282 6,703,526 7,886,150 1,182,922 14,786,531
Total Exposure
*) Sesuai SEOJK Nomor 6/SEOJK.03/2020 tanggal 29 April 2020 tentang Perhitungan Aset Tertimbang Menurut Risiko untuk Risiko Operasional dengan Menggunakan Pendekatan
Standar bagi Bank Umum
*) In accordance with OJK Circular Letter No. 6/SEOJK.03/2020 dated in April 29, 2020 regarding the calculation of risk weighted assets (RWA) for Operational Risk Using the
Standard Approach for Commercial Banks.
Tabel Tabel 9.1.b. Pengungkapan Kuantitatif Risiko Operasional - Bank secara Konsolidasi dengan
Entitas Anak
Table of 9.1.b. Quantitatve Disclosure Operational Risk - Bank Consolidated with Subsidiaries (dalam jutaan Rupiah/in IDR million)
No ATMR bank bjb ATMR bank bjb syariah Total ATMR Konsolidasi
1 6,703,526 926,165 7,050,353
Dalam penyajian informasi mengenai risiko operasional yang In presenting information regarding operational risks faced,
dihadapi, bank bjb telah menyusun beberapa pelaporan- bank bjb has compiled several reports regarding operational risk
pelaporan mengenai eksposur risiko operasional di antaranya exposures including bank-wide operational risk profiles which
yaitu profil risiko operasional secara bankwide yang disusun are compiled periodically, besides bank bjb also regularly reports
secara berkala, selain itu bank bjb juga membuat laporan secara on operational risk events based on the data obtained. From risk
rutin mengenai kejadian risiko operasional berdasarkan data yang management tools, there are also incidental risk reports that ar
diperoleh dari tools manajemen risiko, terdapat juga laporan made according to the needs based on the risk events that occur.
risiko secara insidental yang dibuat sesuai dengan kebutuhan
berdasdarkan risk event yang terjadi.
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Sistem Pengendalian Intern yang Menyeluruh Comprehensive Internal Control System
Sistem pengendalian internal dalam penerapan manajemen risiko Control System In the Implementation of Risk Management
mencakup: Include:
a. Prosedur operasional yang sesuai dengan proses aktivitas a. Operational procedures in accordance with the process of
kegiatan operasional bank bjb sehingga dapat meminimalisir bank bjb operational activities so as to minimize the possibility
kemungkinan terjadinya risiko operasional pada bank bjb. of operational risk at bank bjb.
b. Kebijakan terkait limit kewenangan dalam kegiatan b. Policies related to authority limits in operational activities,
operasional, pemisahan tugas dan tanggung jawab pada setiap separation of duties and responsibilities at each level of
level jabatan, serta adanya approval untuk setiap eskalasi. position, as well as approval for each escalation.
c. Pemisahan fungsi yang jelas antara antara unit bisnis dan c. Clear separation of functions between business units and
unit pendukung dengan unit yang melaksanakan fungsi supporting units and units that carry out control functions..
pengendalian.
Risiko Hukum Legal Risk
Risiko hukum adalah risiko akibat tuntutan hukum dan/atau Legal Risk is the risk due to lawsuits and/or weaknesses in juridical
kelemahan aspek yuridis. Kelemahan aspek yuridis antara lain aspects. Weaknesses in the juridical aspects include, among others,
disebabkan adanya tuntutan hukum, ketiadaan peraturan the existence of lawsuits, the absence of supporting legislation,
perundang-undangan yang mendukung, atau kelemahan or weaknesses of the engagement such as nonfulfillment of
perikatan seperti tidak dipenuhinya syarat sahnya kontrak dan contract legal requirements and imperfect collateral binding. Legal
pengikatan agunan yang tidak sempurna. Risiko hukum antara risks can originate from operational risks, agreements with third
lain dapat bersumber dari pada operasional, perjanjian dengan parties, legal uncertainty, and negligence in the application of the
pihak ketiga, ketidakpastian hukum dan kelalaian penerapan law, obstacles in the litigation process for settlement of claims,
hukum, hambatan dalam proses litigasi untuk penyelesaian klaim, and jurisdictional issues between countries.
serta masalah yurisdiksi antar negara.
Pengawasan Aktif Dewan Komisaris Active Supervision of the Board of
dan Direksi Commissioners and Board of Directors
Para pihak yang berkepentingan terkait dengan risiko hukum yaitu Stakeholders related to legal risk are the Board of Commissioners,
Dewan Komisaris, Direksi dan seluruh pegawai bank bjb, dimana Board of Directors and all bank bjb employees, where the
para pihak tersebut bertanggungjawab dalam pengelolaan risiko parties are responsible for managing legal risk. The Board of
hukum. Dewan Komisaris dan Direksi memantau risiko hukum Commissioners and Board of Directors monitor legal risks, among
antara lain melalui pelaporan risiko hukum serta laporan lainnya others, through legal risk reporting and other reports relating to
yang berkaitan dengan legal. Dalam pelaksanaan pengelolaan the law. In implementing legal risk management, bank bjb has a
risiko hukum bank bjb telah memiliki unit kerja khusus yang special work unit that handles legal issues that consist of litigation
menangani permasalahan di bidang hukum yang terdiri dari and non-litigation sections.
bagian litigasi dan non litigasi.
Kecukupan Kebijakan, Prosedur dan Penetapan Adequacy of Policies, Procedures, and Limit
Limit Determination
bank bjb telah memiliki kebijakan serta pedoman manajemen bank bjb has a policy and Legal Risk Management Guidelines that
risiko hukum yang secara berkala dilakukan pembaharuan dan are regularly updated and evaluated on bank bjb risk management
evaluasi atas kebijakan dan pedoman manajemen risiko bank bjb policies and guidelines. In addition, bank bjb also has policies and
tersebut. Selain itu bank bjb juga telah memiliki kebijakan dan procedures in the management of the legal sector to ensure that
prosedur dalam pengelolaan di bidang hukum untuk memastikan bank bjb activities are in accordance with statutory provisions and
bahwa aktivitas bank bjb telah sesuai dengan ketentuan other applicable regulations, so that bank bjb can avoid legal risk.
perundang-undangan serta peraturan lainnya yang berlaku,
sehingga bank bjb dapat terhindar dari risiko hukum.
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Selain itu bank bjb telah memiliki standardisasi dokumen hukum In addition, bank bjb have standardized legal documents for
bagi produk dan layanan bank bjb yang dilakukan review secara bank bjb products and services, which are regularly reviewed in
berkala sesuai dengan perkembangan bisnis bank bjb. bank bjb accordance with bank bjb business development. bank bjb also
juga melakukan kajian risiko hukum untuk setiap produk dan conducts legal risk reviews for each new product and activity as a
aktivitas baru sebagai langkah untuk memitigasi risiko hukum. step to mitigate legal risk.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of the Risk Identification,
Pemantauan, dan Pengendalian Risiko, Measurement, Monitoring and Control Process,
serta Sistem Informasi Manajemen Risiko and Risk Management Information System
Dalam kecukupan proses penerapan manajemen risiko, bank In the adequacy of the process of implementing risk management,
bjb melakukan identifikasi, pengukuran, pemantauan dan bank bjb conducts the process of identifying, measuring,
pengendalian atas risiko hukum oleh Divisi Hukum. Divisi Hukum monitoring and controling legal risks by the Legal Division.
tersebut bertindak sebagai “legal watch” yang menyediakan The Legal Division acts as a “legal watch” which provides legal
analisis/advis hukum kepada seluruh pegawai pada setiap jenjang analysis/advice to all employees at every level of the organization,
organisasi, selain itu juga berfungsi dalam memberikan legal but also functions in providing legal opinion in any cooperation
opini dalam setiap perjanjian kerjasama yang akan dilakukan oleh agreement to be made by bank bjb. bank bjb in managing legal
bank bjb. bank bjb dalam melakukan pengelolaan risiko hukum risk is assisted by legal consultants to handle legal cases that
dibantu oleh konsultan hukum untuk penanganan kasus hukum occur, where it is done to mitigate the impact of wider legal risks.
yang terjadi, dimana hal tersebut dilakukan untuk memitigasi
dampak risiko hukum yang lebih luas.
Dalam melakukan pengendalian risiko hukum bank bjb melakukan In carrying out legal risk control bank bjb does several things
beberapa hal di antaranya yaitu: including:
a. Proses kajian hukum dan pemberian opini atas produk serta a. The legal review process and providing opinions on bank bjb
layanan bank bjb termasuk aktivitas dan produk baru. products and services including new activities and products.
b. Terdapat standardisasi dokumen hukum bagi produk dan b. The standardized legal documents for bank bjb products and
layanan bank bjb. services.
c. Kaji ulang terhadap dokumen-dokumen legal yang berlaku c. Review of applicable legal documents that are adjusted to
yang disesuaikan dengan perkembangan bisnis. cuurent business development.
d. Kebijakan dan prosedur hukum yang memadai. d. Adequate legal policies and procedures.
e. Melakukan penanganan kasus hukum yang dibantu juga oleh e. Handling legal cases that are also assisted by legal consultants
konsultan hukum apabila diperlukan. if needed.
f. Membantu unit-unit terkait dalam penanganan kasus hukum. f. Assist related units in handling legal cases.
g. Memberikan informasi dan pengetahuan hukum kepada unit- g. Providing information and knowledge.
unit terkait.
h. Mendokumentasikan setiap kejadian risiko hukum dan jumlah h. Documenting each legal risk event and the amount of
potensi kerugian akibat risiko hukum tersebut. potential loss due to the legal risk
i. Terdapat fungsi legal pada aktivitas perkreditan dengan i. A legal function in loan activities with the existence of a legal
adanya unit bisnis legal. business unit
j. Terdapat fungsi legal pada aktivitas pengadaan barang j. A legal function in goods and services procurement activities
dan jasa yang membantu dalam proses drafting perjanjian assisting in the drafting process of cooperation agreements
kerjasama dengan pihak ketiga. with third parties.
Sistem Pengendalian Intern yang Menyeluruh Comprehensive Internal Control System
Sistem pengendalian internal yang menyeluruh dalam proses A comprehensive internal control system in the process of
pelaksanaan manajemen risiko hukum dilaksanakan secara implementing legal risk management is carried out regularly by
berkala oleh Divisi Hukum dan berkoordinasi dengan Satuan Kerja the Legal Division and coordinates with the Risk Management
Manajemen Risiko dan Satuan Kerja Audit Internal. Work Unit and the Internal Audit Work Unit.
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Risiko Kepatuhan Compliance Risk
Risiko kepatuhan adalah risiko akibat bank bjb tidak memenuhi Compliance Risk is the risk due to bank bjb not fulfilling and/or not
dan/atau tidak melaksanakan peraturan perundang-undangan implementing the applicable laws and regulations. Compliance
dan ketentuan yang berlaku. Pengelolaan risiko kepatuhan risk management is carried out through the implementation of a
dilakukan melalui penerapan sistem pengendalian intern yang consistent internal control system.
konsisten.
Pengawasan Aktif Dewan Komisaris Active Supervision of the Board of
dan Direksi Commissioners and Board of Directors
Para pihak yang berkepentingan terkait dengan risiko Kepatuhan Stakeholders associated with Compliance risk are the Board of
yaitu Dewan Komisaris, Direksi dan seluruh pegawai bank Commissioners, Board of Directors and all bank bjb employees,
bjb, dimana para pihak tersebut bertanggungjawab dalam where the parties are responsible for managing compliance risk.
pengelolaan risiko kepatuhan. Penerapan prinsip dan budaya The application of the principle and culture of compliance begins
kepatuhan dimulai dari komitmen Dewan komisaris dan Direksi with the commitment of the Board of Commissioners and Board
untuk memenuhi seluruh ketentuan yang berlaku. Kepatuhan of Directors to meet all applicable provisions. Compliance with
terhadap ketentuan dan peraturan yang berlaku merupakan applicable rules and regulation is the responsibility of all levels
tanggung jawab dari seluruh jajaran organisasi termasuk Dewan of organization, including the Board of Commissioners, Board
Komisaris, Direksi dan seluruh pegawai. Struktur organisasi of Directors, and all employees. The organizational structure in
dalam melakukan pengelolaan risiko kepatuhan, bank bjb telah managing compliance risk, bank bjb has formed a compliance
membentuk unit kerja kepatuhan yaitu Divisi Kepatuhan & APU- work unit, namely the Compliance & AML-CFT Division which is
PPT yang bertanggung jawab untuk memastikan bahwa seluruh responsible for ensuring that all units in bank bjb had complied
unit yang ada di bank bjb telah mematuhi pada peraturan- with these regulations. Meanwhile, the person in charge of a
peraturan tersebut. Sementara Penanggung jawab atas kepatuhan unit’s compliance with every applicable regulation is in each risk
suatu unit terhadap setiap peraturan yang berlaku berada pada taking unit.
setiap Risk Taking Unit.
Kecukupan Kebijakan, Prosedur dan Penetapan Adequacy of Policies, Procedures, and Limit
Limit Determination
bank bjb telah memiliki kebijakan serta pedoman manajemen bank bjb has a policy and guidelines for compliance risk
risiko kepatuhan yang secara berkala dilakukan pembaharuan management that is regularly updated and evaluated on bank
dan evaluasi atas kebijakan dan pedoman manajemen risiko bank bjb risk management policies and guidelines. In addition, bank
bjb tersebut. Selain itu bank bjb juga telah memiliki kebijakan bjb also have policies regarding Anti-Money Laundering (APU)
mengenai Kebijakan Program Anti Pencucian Uang (APU) dan and Prevention of Terrorism Funding (PPT) Program policies
Pencegahan Pendanaan Terorisme (PPT) yang di antaranya which include discussing suspicious transactions and updating
membahas mengenai transaksi-transaksi yang mencurigakan customer data, Policies on Gratification Control in collaboration
serta pengkinian data nasabah, Kebijakan mengenai Pengendalian with the Corruption Eradication Commission (KPK) and there is
Gratifikasi yang bekerjasama dengan Komisi Pemberantasan a Compliance Procedure for the work unit. In addition, bank bjb
Korupsi (KPK) dan terdapat prosedur kepatuhan untuk unit kerja. telah menerapkan ISO 37001 regarding the anti management
Selain itu, bank bjb telah menerapkan ISO 37001 mengenai system Bribery as an effort by bank BJB to implement good
sistem manajemen anti penyuapan sebagai upaya bank bjb governance in bank bjb activities and ISO 37301 regarding
untuk menerapkan tata kelola yang baik dalam aktivitas bank Compliance Management System (SMK). bank bjb has a policy
bjb dan ISO 37301 mengenai Sistem Manajemen Kepatuhan on compliance reporting through compliance sheets to related
(SMK). bank bjb telah memiliki kebijakan mengenai pelaporan work units. In addition, with regard to new products and activities,
kepatuhan melalui compliance sheet kepada unit kerja terkait. analysis is first carried out to assess compliance with the applicable
Selain itu terkait dengan produk dan aktivitas baru terlebih dahulu regulations in the issuance of these products/activities.
dilakukan analisa untuk menilai kepatuhan terhadap ketentuan
yang berlaku dalam penerbitan produk/aktivitas tersebut.
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INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of the Risk Identification, Measurement,
Pemantauan, dan Pengendalian Risiko, Monitoring and Control Process, As Well As the
serta Sistem Informasi Manajemen Risiko Risk Management Information System
Dalam kecukupan penerapan proses manajemen risiko, bank In the adequacy of the application of risk management processes,
bjb melakukan identifikasi, pengukuran, pemantauan dan bank bjb has conducted the process of identifying, measuring,
pengendalian atas risiko kepatuhan melalui Risk Taking Unit. monitoring and controling compliance risk through a Risk
Dalam melakukan identifikasi serta pengukuran atas risiko Taking Unit. The compliance work unit performed identification
kepatuhan dilakukan oleh unit kerja kepatuhan dengan melakukan and measurement of compliance risk by monitoring the
pemantauan atas penerapan kepatuhan di semua unit kerja. implementation of compliance in all work units.
Dalam melakukan pengendalian risiko kepatuhan bank bjb In carrying out risk control, bank bjb compliance does several
melakukan beberapa hal di antaranya yaitu: things including:
a. Melakukan kajian terhadap kebijakan dan prosedur internal a. Reviewing bank bjb internal policies and procedures, as well
bank bjb, serta pengajuan produk dan aktivitas baru. as proposing new products and activities.
b. Melakukan sosialisasi peraturan dan perundang-undangan b. Disseminating the rules and regulations that apply to
yang berlaku kepada pegawai untuk mendukung terciptanya employees to support the creation of a culture of compliance
budaya kepatuhan.
c. Melakukan pemantauan atas pelaksanaan prinsip kehati- c. Monitoring the implementation of bank bjb prudential
hatian bank bjb. principles.
d. Melakukan pemantauan atas Risiko Kepatuhan. d. Monitoring the Compliance Risk.
e. Implementasi Program Anti Pencucian Uang dan Pencegahan e. Implementing the Anti-Money Laundering and Terrorism
Pendanaan Terorisme (APU- PPT) Financing Prevention Program (APU-PPT)
f. Terdapat kebijakan pengendalian gratifikasi yang dikelola f. Implementing a gratification control policy that is managed
Unit Pengendalian Gratifikasi yang bekerjasama dengan by the Gratification Control Unit in collaboration with
Komisi Pemberantasan Korupsi (KPK) termasuk sosialisasi the Corruption Eradication Commission (KPK) Including
kepada pegawai untuk meningkatkan awareness pegawai socialization to employees to increase employee awareness
terkait pengendalian gratifikasi. regarding gratification control.
g. Melakukan sosialisasi atas peraturan eksternal terbaru kepada g. Disseminating the latest external regulations to the work unit.
unit kerja.
Dalam penyajian informasi mengenai risiko kepatuhan yang In presenting information on compliance risks faced, bank bjb
dihadapi, bank bjb telah menyusun beberapa pelaporan- has compiled several reports on compliance risk exposures
pelaporan mengenai eksposur risiko kepatuhan di antaranya yaitu including bankwide compliance risk profiles that are periodically
profil risiko kepatuhan secara bankwide yang disusum secara compiled, in addition to that bank bjb also makes regular reports
berkala, selain itu bank bjb juga membuat laporan secara rutin on compliance risk events based on data obtained from tools
mengenai kejadian risiko kepatuhan berdasarkan data yang risk management, there are also reports on the application of
diperoleh dari tools manajemen risiko, terdapat juga laporan compliance to management.
penerapan kepatuhan kepada manajemen.
Sistem Pengendalian Intern yang Menyeluruh Comprehensive Internal Control System
Sistem pengendalian internal yang menyeluruh dalam proses A comprehensive internal control system in the process of
pelaksanaan manajemen risiko hukum dilaksanakan secara berkala implementing legal risk management is carried out periodically by
oleh Divisi Kepatuhan & APU-PPT dan berkoordinasi dengan Satuan the Compliance & AML-CFT Division and coordinates with the Risk
Kerja Manajemen Risiko dan Satuan Kerja Audit Internal. Management Work Unit and the Internal Audit Work Unit.
Risiko Stratejik Strategic Risk
Risiko stratejik adalah risiko akibat ketidaktepatan dalam Strategic Risk is the risk due to inaccuracy in making and/
pengambilan dan/atau pelaksanaan suatu keputusan stratejik or implementing a strategic decision and failure to anticipate
serta kegagalan dalam mengantisipasi perubahan perubahan changes in the changing business environment. This risk arises
lingkungan bisnis. Risiko ini timbul antara lain karena bank partly because bank bjb implements a strategy that is not in line
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INFORMATION ON RISK EXPOSURE
AND CAPITAL
bjb menerapkan strategi yang kurang sejalan dengan visi with bank bjb vision and mission, conducts an analysis of the
dan misi bank bjb, melakukan analisis lingkungan stratejik strategic environment that is less comprehensive and/or there is
yang kurang komprehensif dan/atau terdapat ketidaksesuaian a discrepancy in the strategic plan. In addition, strategic risks also
rencana stratejik. Selain itu risiko stratejik juga timbul karena arise because of failures in anticipating changes in the business
kegagalan dalam mengantisipasi perubahan lingkungan bisnis, environment, including failures in anticipating technological
mencakup kegagalan dalam mengantisipasi perubahan teknologi, changes, changes in macroeconomic conditions, dynamics
perubahan kondisi ekonomi makro, dinamika kompetisi di pasar, of competition in the market, and changes in policy from the
dan perubahan kebijakan dari regulator. regulator.
Pengawasan Aktif Dewan Komisaris Active Supervision of the Board of
dan Direksi Commissioners and Board of Directors
Dewan Komisaris dan Direksi melakukan penetapan serta The Board of Commissioners and Board of Directors determine
pengarahan mengenai strategi bisnis bank bjb sesuai dengan and direct bank bjb business strategy in accordance with its duties
tugas dan kewenangannya. Dalam melakukan strategi bisnis and authorities. In carrying out the business strategy, it is adjusted
tersebut disesuaikan dengan tingkat risiko yang dapat diterima to the level of risk that is acceptable to bank bjb. In addition,
oleh bank bjb. Selain itu, bank bjb juga melakukan penyesuaian bank bjb has also adjusted its short-term, medium-term and
strategi- strategi jangka pendek, jangka menengah maupun long-term strategies in line with the direction of the business and
jangka panjang sejalan dengan arah bisnis dan perkembangan the development of internal conditions and the development of
kondisi internal serta perkembangan kondisi eksternal. external conditions.
Dalam menerapkan strategi bisnis tersebut dituangkan dalam In implementing the business strategy, it is stated in KUDT bank
KUDT serta Rencana Bisnis Bank (RBB) yang penyusunannya business plan (RBB), the preparation is determined by Board of
ditetapkan oleh Direksi dengan meminta persetujuan dari Dewan Directors by requesting approval from the Board of Commissioners.
Komisaris. Direksi mengarahkan kepada masing-masing unit kerja Board of Directors directs each work unit to implement bank
untuk mengimplementasikan rencana bisnis bank tersebut untuk business plan to achieve the stated goals.
mencapai tujuan yang telah ditetapkan.
Dalam melakukan pengelolaan strategi bank bjb, Direksi dibantu In managing bank bjb strategies, Board of Directors is assisted by
oleh Divisi Perencanaan Strategis dalam memonitor implementasi the Strategic Planning Division in monitoring the implementation
strategi bank bjb termasuk implementasi rencana bisnis ban bank of bank bjb strategies, including the implementation of bank
bjb. Selain itu dilakukan analisa implementasi rencana bisnis bjb business plans. In addition, an analysis is carried out on the
dan melaporkan hasil analisa kepada Direksi. Seluruh unit bisnis/ implementation of the business plan and reports the results of the
unit pendukung bertanggung jawab dalam membantu Direksi analysis to Board of Directors. All business units/supporting units are
menyusun perencanaan stratejik dan mengimplementasikan responsible for assisting Board of Directors in developing strategic
strategi yang telah ditetapkan secara efektif. Unit-unit tersebut plans and implementing the strategies that have been set effectively.
juga bertanggung jawab untuk memastikan bahwa pengelolaan These units are also responsible for ensuring that strategic risk
risiko stratejik telah sesuai dengan kebijakan yang telah ditetapkan. management is in accordance with established policies.
Kecukupan Kebijakan, Prosedur dan Penetapan Adequacy of Policies, Procedures and Limit
Limit Determination
bank bjb telah memiliki kebijakan serta pedoman manajemen bank bjb has a strategic risk management policy and guidelines
risiko stratejik yang secara berkala dilakukan pembaharuan dan that are regularly updated and evaluated on bank bjb risk
evaluasi atas kebijakan dan pedoman manajemen risiko bank management policies and guidelines. The preparation of a bank
bjb tersebut. Penyusunan Rencana Bisnis Bank (RBB) merupakan business plan (RBB) is a strategic plan to achieve the goals bank
perencanaan strategis untuk mencapai tujuan yang telah bank bjb has set. So that the preparation of policies tailored to bank
bjb tetapkan. Sehingga dalam penyusunan kebijakan disesuaikan bjb business plan that can support the achievement of bank bjb
dengan rencana bisnis bank bjb yang dapat mendukung dalam strategic objectives.
pencapaian tujuan strategis bank bjb.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 575
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INFORMASI EKSPOSUR RISIKO
DAN PERMODALAN
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of the Risk Identification, Measurement,
Pemantauan, dan Pengendalian Risiko, Monitoring and Control Process, As Well As the
serta Sistem Informasi Manajemen Risiko Risk Management Information System
Dalam kecukupan penerapan proses manajemen risiko, In the adequacy of the implementation of the risk management
bank bjb melakukan identifikasi, pengukuran, pemantauan process, bank bjb conducted identification, measures, monitors
dan pengendalian atas risiko stratejik. bank bjb melakukan and controls strategic risk. bank bjb identifies, measures, and
identifikasi, pengukuran dan pemantauan risiko stratejik dengan monitors strategic risk by monitoring the achievement of bank
melakukan pemantauan atas pencapaian kinerja bank bjb dengan bjbperformance with bank bjb business plan that has been
rencana bisnis bank bjb yang telah ditetapkan, selain itu bank set, in addition bank bjb pays attention to changes in business
bjb memperhatikan perubahan kondisi lingkungan bisnis untuk environment conditions to make adjustments to the strategy to
dilakukan penyesuaian kepada strategi yang akan diambil oleh be taken by bank bjb, bank bjb conducts business development
bank bjb, bank bjb melakukan pengembangan bisnis dengan by taking into account the level risks that can be accepted by
memperhatikan tingkat risiko yang dapat diterima oleh bank bjb, bank bjb, as well as monitoring bank bjb business position. The
serta melakukan pemantauan terhadap posisi bisnis bank bjb. control measures undertaken for strategic risk are by analyzing
Adapun upaya pengendalian yang dilakukan untuk risiko stratejik the achievement of bank bjb performance, taking strategic steps
adalah dengan melakukan analisa atas pencapaian kinerja bank deemed necessary in response to changes in business conditions,
bjb, mengambil langkah-langkah stratejik yang dirasa perlu conducting business reviews on the achievement of business
sebagai respon terhadap perubahan kondisi bisnis, melakukan performance on a regular basis.
business review atas pencapaian kinerja bisnis secara berkala.
Sistem Pengendalian Intern yang Menyeluruh Comprehensive Internal Control System
Dalam pengendalian internal untuk risiko stratejik bank bjb In internal control for strategic risk, bank bjb involves all lines of
melibatkan seluruh lini bisnis perusahaan serta kegiatan pengendalian the company’s business as well as control activities which are also
yang dipantau pula oleh Unit Kerja Perencanaan Strategis, Satuan monitored by the Strategic Planning Work Unit, Risk Management
Kerja Manajemen Risiko dan Satuan Kerja Audit Internal. Work Unit and Internal Audit Unit.
Risiko Reputasi Reputation Risk
Risiko reputasi adalah risiko akibat menurunnya tingkat Reputation Risk is the risk due to a decrease in the level of
kepercayaan stakeholder yang bersumber dari persepsi negatif stakeholder confidence that comes from negative perceptions
terhadap bank bjb. Hal ini antara lain disebabkan oleh adanya of bank bjb. This is partly due to negative media coverage
pemberitaan media dan/atau rumor mengenai bank bjb yang and/or rumors about bank bjb, as well as ineffective bank bjb
bersifat negatif, serta adanya komunikasi bank bjb yang kurang communications.
efektif.
Pengawasan Aktif Dewan Komisaris Active Supervision of the Board of
dan Direksi Commissioners and Board of Directors
Dewan Komisaris dan Direksi memantau mengenai efektivitas The Board of Commissioners and Board of Directors monitor
penerapan manajemen risiko reputasi di bank bjb. Terkait the effectiveness of the implementation of Reputation Risk
wewenang dan tanggung jawab pengawasan aktif Dewan Management in bank bjb. Related to the authority and responsibility
Komisaris dan Direksi bank bjb, Dewan Komisaris dan Direksi of active supervision of bank bjb Board of Commissioners and
selalu memperoleh informasi yang jelas mengenai evaluasi dan Board of Directors, the Board of Commissioners and Board of
penerapan manajemen risiko eksposur risiko reputasi. Struktur Directors always obtain clear information regarding the evaluation
organisasi untuk melakukan pengelolaan terhadap risiko reputasi, and application of risk management for risk exposure to reputation
bank bjb telah membentuk unit kerja tersendiri yang mengelola risk. The organizational structure to manage reputation risk, bank
risiko reputasi yaitu Divisi Corporate Secretary, unit kerja tersebut bjb has formed a separate work unit that manages reputation risk,
berfungsi untuk melakukan pengelolaan terhadap reputasi bank namely the Corporate Secretary Division, the work unit functions
bjb dan mengatur mengenai standar layanan di Kantor Cabang to manage bank bjb reputation and regulate service standards at
sebagai langkah untuk memitigasi risiko reputasi. the Branch Offices as a measure to mitigate reputation risk.
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INFORMATION ON RISK EXPOSURE
AND CAPITAL
Kecukupan Kebijakan, Prosedur dan Penetapan Adequacy of Policies Procedures and Limit
Limit Determnation
bank bjb telah memiliki kebijakan serta pedoman manajemen bank bjb has a policy and reputation risk management guidelines
risiko reputasi yang secara berkala dilakukan pembaharuan dan that are regularly updated and evaluated on bank bjb risk
evaluasi atas kebijakan dan pedoman manajemen risiko bank bjb management policies and guidelines. bank bjb also has a policy
tersebut. bank bjb juga telah memiliki kebijakan mengenai standar regarding service standards that must be performed by operational
pelayanan yang harus dilakukan oleh unit kerja operasional, hal work units. This is done to minimize the risk of reputation due to
tersebut dilakukan untuk meminimalisir terjadinya risiko reputasi inadequate bank bjb services. There are also policies regarding
akibat kurang memadainya pelayanan bank bjb, terdapat juga handling customer complaints. In addition, bank bjb also has a
kebijakan mengenai penanganan keluhan nasabah. Selain call center as a means to serve people who need banking services
itu bank bjb telah memiliki call center sebagai sarana untuk and address problems related to bank bjb. In relation to investor
melayani masyarakat yang membutuhkan jasa perbankan serta relations, bank bjb has an investor relationship work unit that
penyampaian permasalahan terkait dengan bank bjb. Terkait communicates with investors. bank bjb also manages reputation
hubungan dengan pihak investor bank bjb telah memiliki unit risk by carrying out public relations activities, corporate social
kerja investor relationship yang melakukan komunikasi dengan responsibility and rapid responses to handling complaints that
pihak investor. bank bjb juga melakukan manajemen risiko come to bank bjb.
reputasi dengan melakukan aktivitas public relations, corporate
social responsibility, dan respon yang cepat terhadap penanganan
keluhan yang masuk kepada pihak bank bjb.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of the Risk Identification, Measurement,
Pemantauan, dan Pengendalian Risiko, Monitoring and Control Process, As Well As the
serta Sistem Informasi Manajemen Risiko Risk Management Information System
Dalam kecukupan penerapan proses manajemen risiko, bank In the adequacy of the implementation of risk management
bjb melakukan identifikasi, pengukuran, pemantauan dan processes, bank bjb identifies, measures, monitors and controls
pengendalian atas risiko reputasi. bank bjb melakukan proses reputation risk. bank bjb carries out the process of identifying
identifikasi dan pengukuran risiko reputasi dengan memantau and measuring reputational risk by monitoring the number of
jumlah keluhan nasabah kepada bank bjb melalui call center customer complaints to bank bjb through the call center or bank
ataupun petugas bank bjb serta memantau mengenai tindakan bjb officers and monitoring the resolution of these complaints,
penyelesaian atas keluhan tersebut, selain itu dilakukan in addition to monitoring the number of reporting to bank bjb
pemantauan juga terhadap jumlah pemberitaan terhadap published in the mass media. In controlling the reputation risk of
bank bjb yang dimuat di media masa. Dalam melakukan bank bjb having a call center and holding a coaching clinic for
pengendalian atas risiko reputasi bank bjb memiliki call center employees by providing training or trainingon service standards
serta mengadakan coaching bagi pegawai dengan memberikan with the aim of bank bjb can provide better services to customers
training atau pelatihan mengenai standar layanan dengan tujuan both externally and internally as one of the mitigation measures
bank bjb dapat memberikan pelayanan dengan lebih baik against potential risks, in addition bank bjb emphasizes to all
kepada nasabah baik eksternal maupun internal sebagai salah employees that bank bjb reputation must be strictly guarded,
satu langkah mitigasi terhadap potensi risiko, selain itu bank bjb bank bjb also provides clear information to customers about the
menekankan kepada seluruh pegawai bahwa reputasi bank bjb products/activities of bank bjb as a step in mitigating risk.
harus benar-benar dijaga, bank bjb juga memberikan informasi
yang jelas kepada nasabah mengenai produk/aktivitas bank bjb
sebagai langkah dalam memitigasi risiko.
Sistem Pengendalian Intern yang Menyeluruh Comprehensive Internal Control System
bank bjb telah memiliki unit kerja khusus dalam proses pelaksanaan bank bjb has a special work unit in the process of implementing
manajemen risiko reputasi yang mencakup pengawasan secara reputation risk management which includes regular supervision of
berkala atas pemberitaan negatif dan keluhan yang berdampak negative news and complaints that affect bank bjb reputation and
pada reputasi bank bjb dan kegiatan pengendalian yang dipantau control activities monitored by the Corporate Secretary Division,
oleh Divisi Corporate Secretary, Divisi Jaringan & Layanan dan Network and Service Division, and in coordination with the Risk
berkoordinasi dengan Satuan Kerja Manajemen Risiko dan Satuan Management Work Unit and the Internal Audit Unit.
Kerja Audit Internal.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 577
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HUMAN CAPITAL
Human Capital
06
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2023 Annual Report PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 579
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HUMAN
CAPITAL
Kerangka Konseptual Human Capital bank bjb
Conceptual Framework of bank bjb Human Capital
Sejalan dengan amanah Corporate Plan dan Strategi Perseroan In accordance with the mandate of the Corporate Plan and
dalam mendorong pertumbuhan bisnis dan menciptakan Company Strategy in boosting business growth and creating
produktivitas pegawai yang berkelanjutan, human capital sustainable employee productivity, bank bjb human capital
(HC) bank bjb terus memperkuat fondasi organisasi dengan (HC) continues to strengthen the organizational foundation by
meningkatkan kapabilitas human capital. Melalui beragam increasing human capital capabilities. Through various programs,
program, human capital bank bjb berkomitmen untuk mendorong bank bjb human capital is committed to encouraging all bank bjb
seluruh insan bank bjb memiliki business mindset yang kuat dan people to have a strong business mindset and proactive culture as
budaya proaktif sebagai bagian dari transformasi organisasi. part of organizational transformation.
Human Capital Stategic Plan (HCSP) 2021-2025 menjadi acuan The Human Capital Strategic Plan (HCSP) 2021-2025 is a
bagi bank bjb dalam mewujudkan pilar-pilar strategi pengelolaan reference for bank bjb in realizing the strategic pillars of human
human capital dan menciptakan talent terbaik yang unggul, capital management and creating the best talent, who is superior,
handal, dan tangguh serta bertaraf nasional yang mampu reliable, tough and having national standard that can compete in
berkompetisi di Industri Keuangan Indonesia. the Indonesian Financial Industry.
Centre of Excellence & High Performance Driven
HC Vision ][ HC Mission
Human Capital as Business Partner
(HC Strategis & HC Business Partner)
Employee Communication ][ Collaboration & Coopetition
Base Pillars Upright Pillars Sturdy Pillars
2021-2022 2022-2023 2023-2025
Impressive Hiring Talent Focus Wellness Steadiness
High Productivity Workforce
Proven Performance Career Journey
Automation of HC Function
Competent People Encouraging Reward
Inspiring Experince HC Data Driven Solid Governance
People Strategy ][ Employee Value Proposition ][ HC Management System
Next Transformation
Basic Foundation Strong Foundation Solid Foundation
2015-2016 2017-2018 2019-2020
First Phase
Bank bjb Corporate Values - GO SPIRIT
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HUMAN
CAPITAL
Visi dan Misi Human Capital Vision and Mission of Human Capital
Sebagai jawaban terhadap perkembangan organisasi dan As a response to organizational development and dynamic
perubahan bisnis yang dinamis, Divisi Human Capital secara business changes, Human Capital Division responsively aligned
responsif turut menyelaraskan Strategi, Visi-Misi pengelolaan the Strategy, Vision Mission of human capital management as
human capital yang merupakan unsur fundamental dalam a fundamental in building bank bjb Great People with Superior,
membangun insan Great People bjb yang Unggul, Handal dan Reliable and Resilient capabilities.
Tangguh.
VISI
Vision
STRATEGIC PARTNER
Menjadi mitra strategis yang transformatif untuk
mendukung agility bank bjb dalam mencapai kinerja terbaik.
Be a transformative strategic partner to support the bank’s agility in achieving the best performance
Misi Mission
HPEX
Membangun pengalaman pegawai dalam berkinerja untuk mendorong produktivitas tinggi.
Build high-performance employee experience to drive productivity
EFECTIVE - EFFICIENT HC SERVICE
Mengembangkan bisnis proses dan layanan Human Capital yang efektif dan
efisien serta memberikan kontribusi optimal bagi organisasi.
Develop effective & efficient business processes and service in HC and contribute to whole organization.
GREAT PLACED TO WORK
Membangun budaya kerja yang sehat untuk mencapai hubungan Industrial yang harmonis secara berkelanjutan.
Building a healthy and harmonious culture to reach sustainable industrial peace.
Nilai Values
GO SPIRIT
SERVICE EXCELLENCE PROFESSIONALISM INTEGRITY RESPECT INNOVATION TRUST
Strategi Utama Human Capital Human Capital Main Strategy
Productivity menjadi fokus utama dalam mendorong Productivity is the main focus in encouraging the Company’s
pertumbuhan bisnis Perseroan, sehingga dilakukan peningkatan business growth so that the management of human capital
pengelolaan fungsi human capital terutama dalam hal rekrutmen, functions is improved, especially in terms of recruitment,
kompetensi, penajaman KPI, system reward, pengembangan competency, KPIs refinement, reward systems, cultural
budaya dan penerapan strategi talent management yang kokoh development, and implementation of a firm and sustainable
serta berkelanjutan. Talent Development dilaksanakan pada setiap talent management strategy. Talent Development is conducted at
level Jabatan dengan tujuan untuk meningkatkan kompetensi, every level of position in order to improve employee competency,
kinerja, dan karir pegawai sebagai bagian dari Program Succession performance, and career as part of the bank bjb Succession
Planning bank bjb. Planning Program.
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Selain itu, optimalisasi fungsi Human Capital Business Partners Additionally, optimization of the Human Capital Business Partners
(HCBP) juga diperkuat melalui tanggung jawab pekerjaan (HCBP) function is also affirmed through job responsibilities in
dalam setiap siklus human capital, mengelola aspek-aspek each human capital cycle, managing aspects of human capital
pengelolaan human capital dengan dukungan pemenuhan management with support for satisfying policies and regulations.
kebijakan dan ketentuan. Untuk merealisasikan pencapaian visi To realize bank bjb’s vision and Corporate Plan 2021-2025
dan Corporate Plan bank bjb 2021-2025, Divisi Human Capital achievement, the Human Capital Division implements 3 (three)
mengimplementasikan 3 (tiga) strategi utama yaitu sebagai main strategies, as follows:
berikut:
Great
Journey &
Career
o u ra g ing Rewar
Enc d
loyee Productivity
D ece
Optimization
HC Function
ntralization
Emp
Encouraging
High Quality
Productivity
1. Optimization Employee Productivity 1. Optimization Employee Productivity
Penajaman standarisasi key performance indicator (KPI) dan Improving the standardization of key performance indicators
monitoring serta evaluasi kinerja untuk mendorong efektifitas (KPI) and monitoring as well as performance evaluation
akselerasi pencapaian kinerja yang berkelanjutan dengan to support the effectiveness of sustainable performance
optimalisasi pemanfaatan teknologi digital. achievement acceleration by optimizing the use of digital
2. Great Career Journey & Encouraging Reward technology.
Redefining Career Journey melalui effective development 2. Great Career Journey & Encouraging Reward
program dan sistem reward yang berprinsip “pay for position, Redefining Career Journey through an effective development
pay for person & pay for performance” serta sesuai dengan program and reward system with the principle “pay for
effective best practice. position, pay for person & pay for performance” and in
3. Decentralization HC Function accordance with effective best practices.
Peningkatan peran human capital sebagai strategic business 3. Decentralization HC Function
partner melalui optimalisasi kewenangan dan desentralisasi Increasing the role of human capital as a strategic business
fungsi human capital yang menjangkau seluruh unit kerja partner through optimizing authorization and decentralization
untuk memberikan high performance employee experience of human capital functions that reach all work units to
melalui dukungan teknologi digital. provide high performance employee experience via the digital
technology support.
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Kebijakan dan Pelaksanaan Manajemen Human Capital
Human Capital Management Policy and Implementation
Rekrutmen Recruitment
Kebijakan Policy
Dalam kondisi persaingan bisnis yang sangat ketat, intensitas When there is a lot of competition in the business world, it is even
pemenuhan kebutuhan Perseroan terhadap sumber daya manusia more important for a company to have professional and qualified
(SDM) profesional dan qualified pun semakin tinggi. Karena itu, employees. Hence, an effective and strategic recruitment and
fungsi rekrutmen dan seleksi yang efektif dan strategis menjadi selection function is an important key to building a strong and
kunci penting untuk membangun tim yang kuat dan kompetitif. competitive team. By recruiting the right individuals, bank bjb can
Dengan merekrut individu yang tepat, bank bjb dapat memacu boost new/innovative ideas and creative solutions to bring change
ide-ide baru/inovatif dan solusi kreatif untuk membawa perubahan and best performance progress.
dan kemajuan kinerja terbaik.
bank bjb melaksanakan proses rekrutmen melalui multi channel Bank bjb carried out the recruitment process through multi
dan bekerja sama dengan lembaga pendidikan tinggi terbaik di channels and cooperated with the best universities in Indonesia in
Indonesia dalam bentuk partisipasi pada Job Fair maupun Campus the form of participation in Job Fairs and Campus Hiring as well
Hiring serta outreach recruitment program. Proses rekrutmen as outreach recruitment programs. The recruitment process was
tersebut dilaksanakan melalui program sebagai berikut: carried out through the following recruitment programs:
1. Rekrutmen First Entry Level 1. First Entry Level Recruitment
Program penerimaan pegawai yang diperuntukkan bagi It was an employee recruitment program intended for fresh
lulusan baru (fresh graduate) perguruan tinggi untuk untuk graduates of higher education to meet the needs of the
memenuhi kebutuhan pegawai Perseroan di level jabatan staf Bank’s employees at the staff position level (Frontliner/Back
(Frontliner/Back Office). Office).
2. Rekrutmen Information Technology Development Program 2. Recruitment of Information Technology Development
(ITDP) Program (ITDP)
Program penerimaan pegawai melalui pendidikan dan It was an employee recruitment program through profession
pelatihan yang dirancang khusus bagi lulusan sarjana yang and training specifically designed for undergraduate
diprioritaskan untuk mengisi posisi jabatan jabatan profesional graduates prioritized to fill professional positions in the field
di bidang Teknologi Informasi. of Information Technology.
3. Rekrutmen Officer Development Program 3. Recruitment of Officer Development Program
Program penerimaan pegawai melalui pendidikan dan It was an employee recruitment program through profession
pelatihan yang dirancang khusus bagi lulusan sarjana dalam and training specifically designed for undergraduate graduates
rangka membentuk kader-kader calon pemimpin bank bjb di in order to form cadres of future bank bjb leaders.
masa depan.
4. Rekrutmen Experience Hire 4. Experience Hire Recruitment
Program penerimaan pegawai berpengalaman yang memiliki It was a program for recruitment of experienced employees who
kompetensi dan pengalaman tertentu serta relevan dengan had certain competencies and experiences and were relevant to
bidang jabatan tertentu sesuai kebutuhan Perseroan. certain positions according to the needs of the Company.
5. Rekrutmen Outsourcing Hiring Program 5. Recruitment Outsourcing Hiring Program
Program penerimaan pegawai yang diperuntukan kepada It was an employee recruitment program intended for
para pegawai outsourcing yang telah memiliki masa kerja outsourced employees who had a working period of more than
di atas 3 (tiga) tahun untuk memberikan kesempatan 3 (three) years to provide opportunities to develop themselves
untuk mengembangkan diri menjadi calon pegawai yang into prospective employees who were professional, reliable
profesional, handal dan siap bekerja di Perseroan. and ready to work at the Company.
6. Rekrutmen Account Officer Development Program (AODP) 6. Account Officer Development Program (AODP) Recruitment
Program penerimaan pegawai dengan ruang lingkup It was an employee recruitment program with a scope of
pekerjaan dengan keahlian spesifikasi bidang bisnis, baik work with specific expertise in the business field, both funds,
dana, jasa maupun kredit. services and credit.
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7. Rekrutmen bjb Talent Scouting 7. Recruitment of bjb Talent Scouting
Program pembinaan dan pendidikan yang diberikan kepada It was a coaching and professional program given to the
mahasiswa/mahasiswi terbaik dan berprestasi (sesuai dengan best and outstanding students (according to the criteria set
kriteria yang ditetapkan Perseroan) di perguruan tinggi by the Bank) at universities in collaboration with the Bank to
yang bekerjasama dengan Perseroan guna menciptakan create professional, reliable and ready to work prospective
calon pegawai yang profesional, handal dan siap bekerja di employees at the Company.
Perseroan.
8. Penerimaan Peserta Pemagangan Abdi bjb 8. Recruitment of Abdi bjb Internship Participants
Program Pemagangan yang diselenggarakan oleh Perseroan The bank organized an Internship Program to improve the
dalam rangka meningkatkan kualitas sumber daya manusia quality of human resources to gain experience, and skills, and
agar memiliki pengalaman, keterampilan dan meningkatkan increase competency in the banking sector.
kompetensi di bidang perbankan.
Pelaksanaan Rekrutmen Implementation of Recruitment
Selama tahun 2023, Perseroan telah merekrut 133 First Entry During 2023, the Company recruited 133 First Entry Level, 12
Level, 12 Experience Hire dan 162 peserta pemagangan. Jumlah Experience Hire and 162 apprentices, the number of employees
penerimaan tersebut selaras dengan strategi Perseroan untuk was in line with the Bank’s strategy to optimize and increase the
mengoptimalkan dan meningkatkan efektivitas pengelolaan effectiveness of bank bjb Human Capital management.
Human Capital bank bjb.
Tabel Rekrutmen Tahun 2023
Recruitment Table 2023
Jalur Rekrutmen Jumlah (Orang)
No
Way of Recruitment Amount (Employee)
1. First Entry Level 133
2. Experience Hire 12
Program Pemagangan Abdi bjb
3. 162
Abdi bjb Internship Program
Total 307
Pengembangan Kompetensi Competency Development
Kebijakan Policy
Dinamika perekonomian global di sepanjang tahun 2023 berubah The dynamics of the global economy throughout 2023 were
dengan sangat cepat, dinamika ekonomi global tersebut salah changing rapidly. One of the dynamics of the global economy
satunya adalah karena pelemahan ekonomi global. Perlambatan was due to the weakening of the global economy. In this year,
perekonomian global di tahun ini dipengaruhi oleh bayang- the global economic slowdown was influenced by the shadow
bayang resesi global pasca pandemi COVID-19 dan krisis of the global recession following the COVID-19 pandemic and
keuangan. Di tahun ini, kondisi perekonomian Indonesia dinilai the financial crisis. Also, Indonesia’s economic condition was
masih kuat bertahan menghadapi gejolak ekonomi global considerably firm enough to survive global economic turmoil,
yang mengarah pada resesi ekonomi. Potensi untuk bertahan which led to an economic recession. The potential to survive in
menghadapi risiko terjadinya resesi ekonomi cukup besar karena dealing with the risk of an economic recession occurrence was
ditopang oleh PDB yang masih positif serta tingkat inflasi yang quite large because it was supported by GDP, which was still
relatif lebih rendah dibandingkan banyak negara lain. Sebagai positive and the inflation rate was relatively lower compared to
bagian dari pendorong pemulihan ekonomi nasional, bank bjb many other countries. As part of the driving forces for national
menyambut positif kebangkitan ekonomi dengan optimis dengan economic recovery, bank bjb positively welcomes economic revival
tetap berkomitmen untuk menjaga pertumbuhan berkualitas with optimism, while remaining committed to maintain quality
dan berkelanjutan, tentunya sumber daya manusia adalah kunci and sustainable growth. Indeed, human resources are the main
utama dari sebuah pencapaian Perseroan. Dengan komposisi key to the Company’s achievements. With the composition of
pegawai yang saat ini didominasi oleh generasi milenial, bank bjb employees currently dominated by the millennial generation, bank
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menerapkan rencana dan strategi pembelajaran bagi pegawai bjb will implement learning plans and strategies for employees in
demi untuk meningkatkan kualitas sumber daya manusia yang order to improve the quality of superior, competent, and highly
unggul, kompeten dan berdaya saing tinggi. Strategi tersebut competitive human resources. The strategy is as follows:
adalah sebagai berikut:
a. Membentuk Learning Ecosystem yang bersinergi untuk a. Establishing a synergized Learning Ecosystem to optimize the
mengoptimalkan sisi pembelajaran yang tepat guna, tepat effective, timely, and cost-effective learning aspect;
waktu dan tepat biaya;
b. Membangun Learning Culture berbasis integritas, Good b. Building a Learning Culture based on integrity, Good
Corporate Governance (GCG) dan efisiensi di dalam Corporate Governance (GCG) and efficiency in the work
lingkungan kerja; environment;
c. Menjadi Business Support dalam meningkatkan Employee c. Being Business Support in increasing Employee Productivity,
Productivity terutama pada pegawai bisnis, pengembangan especially business employees, hybrid banks development,
hybrid bank dan kolaborasi dengan stakeholders. and collaborating with stakeholders.
Pengembangan sumber daya manusia melalui kegiatan Human resource development through the 2023 learning activities
pembelajaran pada tahun 2023 tetap dilaksanakan dalam will be implemented in various methods, both face-to-face and
berbagai metode, baik tatap muka dan daring (online) dengan online, by adapting new habits and implementing health protocols
mengadaptasi kebiasaan baru dan menerapkan protokol as recommended by the government. Apart from that, learning
kesehatan sesuai yang dianjurkan oleh pemerintah. Selain itu, for employees is carried out using the blended learning solution
pembelajaran bagi pegawai dilakukan menggunakan metode method, to create employee experience and encourage the
blended learning solution, untuk menciptakan employee optimization of employee performance which includes technical,
experience serta mendorong optimalisasi kinerja pegawai yang professional, managerial, and leadership of bank bjb’s human
meliputi technical skill, profesional, manajerial dan leadership resources in a continuously planned, adaptive and innovative way.
sumber daya manusia bank bjb secara terus-menerus yang
terencana, adaptif dan inovatif.
Selain strategi tersebut, pada tahun 2023 bank bjb tetap In addition to this strategy, in 2023, bank bjb will continue to
melakukan program berkelanjutan dalam bentuk pemberian perform a sustainable program, such as providing scholarships to
beasiswa terhadap pegawai yang memenuhi kualifikasi yang employees who meet the specified qualifications. This is a form of
telah ditetapkan. Hal ini merupakan wujud komitmen bank bjb bank bjb’s commitment to improve the quality of the Company’s
untuk mendorong kualitas sumber daya manusia Perseroan dan human resources and education in Indonesia and employee
pendidikan di Indonesia, dan juga sebagai bentuk employee retention as well as to increase employee engagement with the
retention serta untuk meningkatkan engagement pegawai Company.
terhadap Perseroan.
Sesuai dengan ketentuan regulator, untuk meningkatkan kualitas In accordance with regulatory provisions, to improve the
manajemen risiko dan penerapan good corporate governance quality of risk management and the implementation of good
di Perseroan, serta tersedianya sumber daya manusia yang corporate governance in the Company and the availability of
qualified dan memiliki kompetensi di bidang manajemen risiko qualified and competent in the risk management aspect as
serta memiliki standar profesi dan kode etik yang baik, bank bjb well as good professional standards and codes of ethics human
memberikan Program Sertifikasi Manajemen Risiko dan Program resources, bank bjb provides a Risk Management Certification
Refreshment kepada pegawai secara berjenjang dan simultan. Program and Refreshment program for employees gradually and
Selain itu, bank bjb memberikan sertifikasi lainnya yang dianggap simultaneously. Also, bank bjb provides other certifications, which
penting bagi pegawai dalam menunjang pekerjaan sesuai dengan are considerably important for employees in supporting their work
profesinya masing-masing. in accordance with their respective professions.
bank bjb memiliki kebijakan bahwa setiap pegawai memiliki bank bjb has a policy at all levels of the organization that every
kesempatan yang setara dalam proses pengembangan karir employee has equal opportunities in the career development
sesuai dengan kinerja, kompetensi, pengalaman dan kriteria process according to performance, competence, experience,
lainnya yang ditetapkan serta kesempatan dalam mendapatkan and other established criteria, as well as opportunities to receive
pendidikan dan pelatihan. Hal ini sesuai dengan kebijakan terkait learning and training. This was in accordance with the policies
pengembangan kompetensi pegawai yang tertuang dalam Surat related to employee competency development as stated in the
Keputusan Direksi No. 0001/SK-DIR/ET/2017 tanggal 09 Februari Decree of the Directors No. 0001/SK-DIR/ET/2017 dated February
2017 tentang Pedoman Pengelolaan Pendidikan. 9, 2017 concerning Guidelines for Education Management.
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Sebagai perusahaan yang bergerak di industri perbankan, A company engaging in banking industry, bank bjb also commits
bank bjb juga berkomitmen untuk meningkatkan kompetensi to improve competency in the risk management sector. The
di bidang manajemen risiko. Adapun ketentuan pengelolaan provisions for the management of Risk Management Certification
Sertifikasi Manajemen Risiko tertuang dalam Surat Edaran Nomor were contained in Circular Letter Number 007/SE/DIR-ET/2017
007/SE/DIR-ET/2017 tanggal 10 Februari 2017 perihal Sertifikasi dated February 10, 2017 regarding Risk Management Certification.
Manajemen Risiko.
Pelaksanaan Pengembangan Competency Development
Kompetensi Implementation
Tabel Pengembangan Kompetensi Berdasarkan Level Jabatan Tahun 2023
Table of Competency Development Based on Position Level in 2023
Presentase Presentase
Jumlah
Yang Telah Yang Telah
Pegawai
Mengikuti Mengikuti
Yang Telah
Jumlah Pelatihan Untuk Pelatihan Untuk
Mengikuti
Level Jabatan Jenis Pendidikan Tujuan Pelatihan Pegawai Setiap Level Setiap Jenis
No. Number of
Job Level Type of Learning Learning Goals Number of Jabatan Pelatihan
Employees
employees Percentage Who Percentage that
who have
Have Followed has followed the
attended the
Learning for Each learning for each
Learning
Position Level type of learning
Memenuhi kompetensi pegawai
1. In House Training
sesuai spesifikasi jabatan
Staff Fulfilling employee 4,652 4,652 100% 100%
competencies according to job
2. Public Training
specifications
Memenuhi kompetensi pegawai
3. In House Training
sesuai spesifikasi jabatan
First Line
Fulfilling employee 1,712 1,712 100% 100%
Management
competencies according to job
4. Public Training
specifications
Memenuhi kompetensi pegawai
5. In House Training
sesuai spesifikasi jabatan
Middle
Fulfilling employee 641 641 100% 100%
Management
competencies according to job
6. Public Training
specifications
Memenuhi kompetensi pegawai
7. In House Training
sesuai spesifikasi jabatan
Senior
Fulfilling employee 179 179 100% 100%
Management
competencies according to job
8. Public Training
specifications
Memenuhi kompetensi pegawai
9. In House Training
sesuai spesifikasi jabatan
Executive
Fulfilling employee 31 31 100% 100%
Management
competencies according to job
10. Public Training
specifications
Evaluasi Pelaksanaan Pengembangan Evaluation of Competency
Kompetensi Development Implementation
Evaluasi Pembelajaran Insan bank bjb Tahun 2023
Bank bjb Employee Learning Evaluation in 2023
Tipe Evaluasi Nilai Target Persentase
Evaluation Type Score Target Percentage
Level 1 (Reaction) 4.63 4.20 110%
Level 2 (Learning) 92.84 80.00 116%
Level 3 (Behaviour) 4.50 4.10 110%
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Biaya Pengembangan Kompetensi Competence Development Costs
Pada tahun 2023, bank bjb telah mengeluarkan biaya sebesar In 2023, bank bjb will spend Rp 44.26 billion for implementing
Rp44,26 miliar untuk pelaksanaan pengembangan kompetensi employee competency development. The 2023 competency
pegawai. Biaya pengembangan kompetensi di tahun 2023 development costs will decrease from 2022, amounted to Rp 46.38
mengalami penurunan dari tahun 2022 yang sebesar Rp46,38 billion. The following are details of competency development
miliar. Berikut rincian dari biaya pengembangan kompetensi costs during 2023:
selama tahun 2023:
Kategori 1 Realisasi (Rp)
No.
Category 1 Realization (IDR)
1. Pembelajaran In house Training / In-house Training 28,607,528,928
2. Pembelajaran Public Training / Public Training 14,431,384,225
3. Pembuatan Modul Pembelajaran / Public Training 208,573,500
4. Perpustakaan / Library 455,200
5. Beasiswa / Scholarship 1,012,815,117
Total 44,260,756,970
Kategori 1 Realisasi (Rp)
No.
Category 1 Realization (IDR)
1. Pembelajaran Business / Business Learning 24,926,976,350
2. Pembelajaran Support / Support Learning 18,111,936,803
3. Pembuatan Modul Pembelajaran / Learning Module Drafting 208,573,500
4. Perpustakaan / Library 455,200
5. Beasiswa / Scholarship 1,012,815,117
Total 44.260.756.970
Kategori 1 Realisasi (Rp)
No.
Category 1 Realization (IDR)
1. Hardskill/Technical Skill 36,564,365,693
2. Softskill 6,474,547,460
3. Pembuatan Modul Pembelajaran / Learning Module Drafting 208,573,500
4. Perpustakaan / Library 455,200
5. Beasiswa / Scholarship 1,012,815,117
Total 44,260,756,970
Kategori 1 Realisasi (Rp)
No.
Category 1 Realization (IDR)
1. Executive Program 5,968,390,030
2. Talent Development Learning Program 8,656,206,207
3. Banking Academy 648,313,296
4. LNA 2,500,595,024
5. Certification 11,094,426,602
6. MPP 5 3 1 357,905,571
7. RAKB 308,143,218
8. Regular Training 13,504,933,205
9. Pembuatan Modul Pembelajaran / Learning Module Drafting 208,573,500
10. Perpustakaan / Library 455,200
11. Beasiswa / Scholarship 1,012,815,117
Total 44,260,756,970
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Pengembangan Karir Carrer Development
Kebijakan Policy
Untuk memastikan kelangsungan regenerasi dan suksesi yang To ensure continuity of well-coordinated regeneration and
terkoordinasi dengan baik dalam organisasi, kebijakan career succession within the organization, career management policies
management menjadi kunci dalam membentuk pegawai yang are the key in shaping professional and capable employees
profesional dan memiliki kapabilitas yang dibutuhkan untuk required to direct the Company to achieve better performance.
mengarahkan Perseroan mencapai kinerja yang lebih baik. bank bank bjb is committed to providing opportunities and support to
bjb berkomitmen untuk memberikan peluang dan dukungan each of the employees so they can develop their potential and
kepada setiap pegawai agar dapat mengembangkan potensi reach the peak of their career through the implementation of
dan mencapai puncak karir mereka melalui pelaksanaan Career the Career Development Program and Leadership Development
Development Program dan Leadership Development Program Program operated by the Human Capital Division.
yang dijalankan oleh Divisi Human Capital.
Pelaksanaan Pengembangan Karir Career Development Implementation
Sejumlah program career development yang telah Some career development programs that have been implemented
diimplementasikan di tahun 2023 adalah: in 2023 are:
1. Acceleration Program 1. Acceleration Program
Program akselerasi level assistant bagi pegawai yang telah Assistant level acceleration program for employees who have
memenuhi kriteria penilaian dan aging grade yang ditetapkan. met the specified assessment and aging grade criteria.
2. Treasury Development Program (TDP) 2. Treasury Development Program (TDP)
Program pengembangan pegawai yang diperuntukan bagi Employee development program intended for assistant level
pegawai level assistant di bidang Treasury yang dipersiapkan employees in the Treasury sector, who are prepared to fill
untuk mengisi jabatan dan akan berkarir serta memiliki positions and will have a career and specialization in the
spesialisasi di bidang treasury. treasury sector.
3. Staff Development Program (SDP) 3. Staff Development Program (SDP)
Program pengembangan karir yang bertujuan mempersiapkan A career development program that aims to prepare
pegawai yang memiliki kompetensi untuk memenuhi jenjang competent employees to fulfill positions at the officer level.
jabatan di level officer.
4. Manager Development Program 4. Manager Development Program
Program pengembangan dan percepatan karir yang ditujukan Career development and acceleration program aimed at bank
bagi talent-talent terbaik bank bjb di level First Line Management bjb best talents at the first line management level (at least
(minimal level jabatan Officer di rentang Grade 6-9) untuk officer level in the grade 6-9) range to be prepared to become
dipersiapkan menjadi calon-calon Manager yang berkualitas, qualified candidates for managers, for further comprehensive
untuk selanjutnya akan diberikan pendidikan dan pelatihan education and training more focused on the business area.
secara komprehensif serta lebih difokuskan pada area bisnis.
5. Branch Manager Development Program (BMDP) 5. Branch Manager Development Program (BMDP)
Program pengembangan pegawai di Level Managerial yang Employee development program at Managerial Level aimed
ditujukan bagi Managers/SBM/Group Head. Managers/SBM/ at Managers/SBM/Group Head. Managers/SBM/Group Head
Group Head melalui Pendidikan dan Pelatihan yang bertujuan through Education and Training which aims to increase
untuk peningkatan kompetensi dan mempersiapkan pegawai competence and prepare employees to become Successors of
menjadi Successor Pejabat Eksekutif di Level Pemimpin Cabang. Executive Officers at Branch Manager Level.
6. General Manager Development Program 6. General Manager Development Program
Program pengembangan pegawai di level Managerial yang Employee development program at Managerial level prepared
dipersiapkan menduduki L1 (Pemimpin Divisi/CEO Regional). to occupy L1 (Division Head/Regional CEO)
Penilaian Kinerja Performance Assessment
Kebijakan Policy
Untuk mendorong produktivitas pegawai dan memastikan To improve employee productivity and ensure that each employee
setiap pegawai dapat berkontribusi secara optimal sesuai can optimally contribute in accordance with the Company’s
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dengan tujuan Perseroan, Perseroan terus menyempurnakan objectives, the Company continues to refine the performance
proses manajemen kinerja secara terintegrasi baik dari standar management process integrally in both competency standards
kompetensi dan kinerja yang diperlukan, melalui peningkatan and required performance through improving the digital-based
sistem penilaian kinerja pegawai berbasis digital (bjb prestasiku). employee performance assessment system (bjb prestasiku). bjb
bjb Prestasiku tidak hanya menjadi alat administrasi penilaian Prestasiku is not only an assessment administration tool but
namun menjadi sistem monitoring dan evaluasi berkelanjutan also a continuous monitoring and evaluation system as well as
sekaligus performance driven pegawai, sehingga dapat dilakukan employee performance driven so that continuous improvement
continuous improvement untuk peningkatan pencapaian bisnis. can be performed to increase business achievements. Additionally,
Selain itu dapat digunakan sebagai data analisis sehingga analytical data can be employed so that it can provide
mampu memberikan result berupa rekomendasi atas pelatihan recommendations for training and development to increase
dan pengembangan untuk peningkatan kompetensi pegawai employee competency in the future.
dikemudian hari.
Pelaksanaan Penilaian Kinerja Performance Assessment Implementation
Pelaksanaan pengisian penilaian kinerja pegawai dilakukan Filling in employee performance assessments is carried out
secara berkala setiap triwulan dan tahunan melalui performance periodically every quarter and annually through the bank bjb
management system bank bjb dengan rincian siklus penilaian performance management system with details of the performance
kinerja sebagai berikut: assessment cycle as follows:
1. Penetapan goal setting 1. Determining goal setting
Menyusun dan menetapkan goal setting triwulanan dalam 1 Prepare and determine quarterly goal settings within a 1
(satu) tahun periode kinerja yang dilakukan atas kesepakatan (one) year performance period which is carried out based
Pegawai dengan atasan pada awal periode kinerja. on the agreement of the employee with the superior at the
beginning of the performance period.
2. Monitoring kinerja 2. Performance monitoring
Monitoring kinerja dilakukan melalui Performance Coaching Performance monitoring is carried out through Performance
oleh atasan dengan Pegawai selama periode penilaian. Coaching by superiors and employees during the assessment
period.
3. Penilaian Kinerja (appraisal) Penilaian Kinerja dilakukan secara 3. Performance Assessment (appraisal) Performance Assessment
berkala pada periode sebagai berikut: is carried out periodically in the following periods:
a. Quarterly Performance Review, dilakukan untuk a. Quarterly Performance Review, carried out to evaluate
mengevaluasi pencapaian Goal Settting Pegawai selama the achievement of Employee Goal Setting during the
periode kinerja Quarter I (Januari- Maret), Quarter performance periods of Quarter I (January-March),
II (April - Juni), Quarter III (Juli - September) dan Quarter II (April - June), Quarter III (July - September)
Quarter IV (Oktober - Desember) yang dilakukan pada and Quarter IV (October - December) which is carried
awal periode triwulan berikutnya. out at the beginning of the period next quarter.
b. Annual Performance Review, dilakukan untuk b. The Annual Performance Review is carried out to
mengevaluasi pencapaian target kerja Pegawai evaluate the achievement of employee work targets
periode tahun penilaian (Januari - Desember) dengan for the assessment year period (January - December)
mempertimbangkan Penilaian Kinerja Quarterly by considering the Quarterly Performance Review
Performance Review. Performance Assessment.
Remunerasi Remuneration
Kebijakan Policy
Salah satu kunci untuk memenangkan persaingan dalam menarik One of the keys to winning the competition in attracting and
dan memotivasi Pegawai Terbaik (talent war) di industri perbankan motivating the best employees (talent war) in the banking
adalah melalui sistem pengelolaan remunerasi yang baik. Remunerasi industry is through a good remuneration management system.
adalah salah satu aspek penting dalam mempertahankan SDM Remuneration is an important aspect of maintaining quality
yang berkualitas. bank bjb berkomitmen untuk terus menerapkan human resources. Bank bjb is committed to continuing to
kebijakan yang wajar dan kompetitif kepada pegawai berdasarkan apply reasonable and competitive policies to employees based
kinerja serta mempertimbangkan risiko yang ada sebagaimana on performance and considering existing risks as regulated by
diatur oleh regulator dalam Peraturan Remunerasi Berbasis Risiko. regulators in the Risk-Based Remuneration Regulations. Bank bjb
bank bjb juga senantiasa melakukan evaluasi atas kebijakan also regularly evaluates existing remuneration policies and adapts
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remunerasi yang ada secara berkala dan menyesuaikannya dengan them to industry needs and the growth of the Bank’s performance
kebutuhan industri serta pertumbuhan kinerja Perseroan agar so that it has strong competitiveness, and encourages the creation
memiliki daya saing yang kuat, dan mendorong terciptanya budaya of a high-performing organizational culture using compensation
organisasi yang berperforma tinggi menggunakan kompensasi that takes into account risk factors.
yang mempertimbangkan faktor risiko.
bank bjb terus berupaya dalam mensejahterakan pegawainya bank bjb continuously strives for the welfare of its employees through
melalui strategi pengelolaan remunerasi yang kompetitif, saat ini competitive remuneration management strategies. Currently, the
Bank memberikan Total Reward kepada pegawainya sebagai berikut: Bank provides Total Rewards to its employees as follows:
1. Kompensasi (Gaji, THR, Tunjangan Cuti, Bonus, Lembur dan 1. Compensation (Salary, THR, Leave Allowance, Bonus, Overtime,
Tunjangan Jabatan). and Positional Allowance).
2. Benefit (Fasilitas Kesehatan, Fasilitas Jabatan, Fasilitas 2. Benefits (Health Facilities, Positional Facilities, Social Security
Kesejahteraan Jaminan Sosial dan Pensiun). and Pension Welfare Facilities).
Remunerasi pegawai bank bjb diberikan berdasarkan Remuneration for bank bjb employees is given based on
peraturan yang berlaku. Besaran remunerasinya disesuaikan applicable regulations. The amount of remuneration is adjusted
dengan ketentuan internal yang berlaku dan berada di atas to applicable internal regulations and is above the Minimum
standar Upah Minimum yang berlaku di wilayah operasional Wage standard applicable in the bank bjb operational area.
bank bjb. Meskipun begitu, bank bjb senantiasa berupaya Moreover, bank bjb always strives to maintain employee
menjaga remunerasi pegawai agar tetap kompetitif dan remuneration so that it remains competitive and in accordance
sesuai dengan strategi remunerasi Perseroan. with the Company’s remuneration strategy.
Pelaksanaan Remunerasi Implementation of Remuneration
Remunerasi pegawai bank bjb diberikan berdasarkan peraturan Remuneration for bank bjb employees was given based on
yang berlaku. Besaran remunerasinya disesuaikan dengan applicable regulations. The amount of remuneration is adjusted to
ketentuan internal yang berlaku dan berada di atas standar applicable internal regulations and is above the Minimum Wage
Upah Minimum yang berlaku di wilayah operasional bank bjb. standards applicable in the bank bjb operational area. Despite
Meskipun begitu, bank bjb senantiasa berupaya menjaga this, bank bjb always strives to maintain employee remuneration
remunerasi pegawai agar tetap kompetitif dan sesuai dengan so that it remains competitive and in accordance with the Bank’s
strategi remunerasi Bank. remuneration strategy.
Program Pensiun Retirement Program
Sebagai bentuk apresiasi terhadap dedikasi pegawai yang telah As an appreciation for the dedication of employees having served,
mengabdi, bank bjb memberikan program pensiun sebagai bank bjb provides a pension program as a provision for those
pembekalan bagi mereka yang memasuki masa pensiun untuk entering retirement to maintain their welfare. The bank bjb
menjaga kesejahteraan mereka. Program pensiun bank bjb pension program consists of pension funds and training before
berupa dana pensiun dan pelatihan menjelang pensiun. Dana retirement. This pension fund is managed by the Pension Fund,
pensiun ini dikelola oleh Dana Pensiun yang telah didirikan which has been established by the Company, including definitive
oleh Perseroan, termasuk iuran pasti, program pensiun manfaat contribution, definitive benefit pension programs, and old age
pasti dan tunjangan hari tua yang berasal dari masing-masing benefits originating from each pension fund of the Companies
dana pensiun Perseroan peserta penggabungan. Selain itu, bagi participating in the merger. In addition, for employees entering
pegawai yang memasuki masa pensiun, bank bjb menyediakan retirement, bank bjb provides special training and seminars as
pelatihan dan seminar khusus sebagai persiapan agar para calon preparation so that prospective retirees remain prosperous and
pensiunan tetap sejahtera dan produktif di masa pensiun. productive in retirement.
Program pembelajaran Masa Persiapan Pensiun (MPP) di rancang The Retirement Preparation Period (MPP) learning program is
secara bertahap melalui program bjb MPP 531, dimana tahapan designed in stages through the bjb MPP 531 program, where the
program pembelajaran adalah sebagai berikut: learning program stages are as follows:
• Tahap 1 : 5 Tahun sebelum pensiun • Stage 1 : 5 years before retirement
• Tahap 2 : 3 Tahun sebelum pensiun • Stage 2 : 3 years before retirement
• Tahap 3 : 1 Tahun sebelum pensiun • Stage 3 : 1 year before retirement
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Reward and Punishment
Reward and Punishment
Reward Reward
bjb Better Award bjb Better Award
Program bjb Better Award secara konsisten dilaksanakan setiap The bjb Better Award program is consistently implemented
tahun sebagai bentuk Reward dan Recognition yang seimbang every year as a balanced and sustainable form of Reward and
dan berkelanjutan serta sebagai bentuk apresiasi manajemen Recognition as well as a form of management appreciation for
kepada pegawai yang berprestasi dan memberikan kontribusi employees who excel and make the best contribution to achieving
terbaik bagi pencapaian target kinerja bank bjb. Penghargaan bank bjb performance targets. Appreciation awards are given
apresiasi diberikan dengan memperhatikan perilaku dan prestasi by considering the behavior and achievements that have been
yang telah ditunjukkan Pegawai dan Unit Kerja dalam performa demonstrated by employees and work units in their performance
mendukung pencapaian Perseroan. bjb Better Award bertujuan to support the Company’s achievements. The bjb Better Award
untuk meningkatkan engagement pegawai serta menunjukkan aims to increase employee engagement and show that employees
bahwa pegawai merupakan organ penting di dalam organisasi. are important organs in the organization.
Dalam acara bjb Better Award terdapat beberapa kategori In the bjb Better Award event, several winning categories
pemenang, yaitu the best employee, service excellent award dan comprise of the best employee, service excellent award, and the
the best pramubakti dan pengemudi yang terangkum dalam bjb best servant and driver, which are summarized in the bjb better
better award dengan penjelasan sebagai berikut: award with the following explanation:
a. The Best Employee a. The Best Employee
Program apresiasi pegawai yang memiliki kinerja terbaik Employee appreciation program that has the best performance
dan berhasil menjadi role model dan change agent dalam and succeeded in becoming a role model and change agent in
implementasi budaya GO SPIRIT. implementing the GO SPIRIT culture.
b. Service Excellence Award b. Service Excellence Award
Program apresiasi frontliner, officer operasional, dan unit kerja Frontliner appreciation program, operational officers, and
dengan kinerja terbaik dalam memberikan service excellence work units with the best performance in providing service
sesuai standar layanan. excellence according to service standards.
c. The Best Pramubakti & Pengemudi c. The Best Servant & Driver
Program apresiasi kepada pramubakti dan pengemudi atas Appreciation program for servants and drivers for their
dukungannya terhadap pencapaian target kinerja pegawai support in achieving employee performance targets, which
yang salah satunya melalui kegiatan operasional yang is through operational activities conducted by basic staff in
dilaksanakan oleh tenaga dasar dalam menjaga kelancaran maintaining the smooth implementation of employee duties
pelaksanaan tugas dan pekerjaan pegawai. and work.
bjb Scholarship bjb Scholarship
bjb scholarship merupakan salah satu program recognition berupa bjb Scholarship was one of the recognition programs in the form
pemberian beasiswa pendidikan di perguruan tinggi terkemuka of providing educational scholarships at leading universities to
kepada pegawai yang secara konsisten telah menunjukkan kinerja employees who consistently showed their best performance as
terbaiknya serta bagian dari program pengembangan pegawai well as part of the employee development program in creating
dalam menciptakan talent great leader bank bjb yang kompeten competent great talent leaders of bank bjb in accordance with
sesuai dengan tuntutan perkembangan bisnis di masa depan. the demands of future business development. The number of
Jumlah peserta program bjb Scholarship tahun 2023 terdiri dari: participants for the 2023 bjb Scholarship program consisted of:
1. Program Beasiswa S2 sebanyak 6 (enam) pegawai. 1. Masters Scholarship Program for 6 (six) employees.
2. Program Beasiswa S1 sebanyak 6 (enam) pegawai. 2. Undergraduate Scholarship Program for 12 (twelve) employees.
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Punishment Punishment
Pemberian sanksi telah dilaksanakan berdasarkan Pedoman The sanctions have been implemented based on the Employee
Disiplin Pegawai No. 0539/SK/DIR-HC/2021 yang ditetapkan pada Discipline Standard Operational Procedur (SOP) No. 0539/SK/
tanggal 30 Juli 2021. DIRHC/2021 which was stipulated on July 30, 2021.
Tabel Data Sanksi Pegawai Tahun 2023
Table of Employee Sanctions Data for 2023
Sanksi yang telah di berikan oleh Divisi Human Capital berikut Tindak Lanjut atas Pengaduan Pelanggaran dari SKAI
Sanctions that have been decided by the Human Capital Division as a Follow-up to Complaints of Violations from Internal Audit Unit
Jenis Sanksi
Type of Sanction
Tahun
Year
Ringan Berat Sedang Jumlah
Light Heavy Medium Total
2023 29 33 38 100
Program Human Capital Selama Tahun 2023
Human Capital Program During 2023
Dalam menunjang keberhasilan Perseroan dalam mencapai In supporting the Bank’s success in achieving the best performance,
kinerja terbaik, Divisi Human Capital telah melaksanakan sejumlah the Human Capital Division has implemented several strategic
program strategis pada tahun 2023 secara berkelanjutan sesuai programs in 2023 in a sustainable manner according to the
Human Capital Strategic Plan. Program tersebut yaitu Sturdy Pillars Human Capital Strategic Plan. The program is Sturdy Pillars, which
yang terdiri dari Wellness Steadiness, Automation HC Function consists of Wellness Steadiness, Automation HC Function, and
dan Solid Governance. Dalam melaksanakan program strategis Solid Governance. In implementing the 2023 strategic program,
Tahun 2023, Divisi Human Capital berfokus pada Strategi Utama the Human Capital Division focuses on the Main Strategy, such
yaitu Optimization Employee Productivity, Great Career Journey & as Optimization Employee Productivity, Great Career Journey &
Encouraging Reward dan Decentralitaion HC Function. Encouraging Reward, and Decentralization of HC Function.
Selama tahun 2023, Divisi Human Capital telah mengimplementasi During 2023, the Human Capital Division has implemented a
kan sejumlah program strategis, antara lain: number of strategic programs, including:
1. Program Human Productivity Improvement melalui bjb 1. Human Productivity Improvement program by bjb enterprise
enterprise selling techniques (BEST). selling techniques (BEST).
2. Pelaksanaan Corporate Wellness Program (CWP). 2. Corporate Wellness Program (CWP) implementation.
3. Penguatan Strategic Workforce Planning 2023 – 2025. 3. Strategic Workforce Planning 2023 – 2025.
4. Human Productivity Improvement Program. 4. Human Productivity Improvement Program.
5. Culture Fest dan Olympic bjb Club. 5. Culture Fest dan Olympic bjb Club.
6. Enchanment bjb Prestasiku melalui bjb MyFirstStep. 6. bjb Prestasiku Enchanment through bjb MyFirstStep.
7. Penajaman dan Standarisasi Key Performance Indicator. 7. Refining and Standardization of Key Performance Indicator.
8. Standarisasi Talent Management. 8. Talent Management standardization.
9. Pelaksanaan bjb Future Leader program dan Staff Hiring 9. bjb Future Leader program and Staff Hiring Program
Program. implementation.
10. Empoyee Data Analytics melalui pengembangan aplikasi 10. Employee Data Analytics through the development of an
monitoring Produktivitas Pegawai (bjb ONE). Employee Productivity monitoring application (bjb ONE).
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Unit Penunjang Layanan Human Capital
Human Capital Services Supporting Unit
Untuk mendukung akselerasi layanan dan informasi kepegawaian To support the acceleration of increasingly complex staffing
yang semakin kompleks, maka budaya inovasi dan digital mindset services and information, a culture of innovation and a digital
menjadi hal penting dalam pengelolaan human capital. Untuk mindset is important in managing human capital. As a result, Bank
itu, bank bjb memberikan produk-produk digital HC sebagai bjb offers the following HC digital products to support Human
penunjang Layanan Human Capital sebagai berikut. Capital Services.
HC Cares
HC Cares dibentuk sebagai wadah berdiskusi dan sharing, penyampaian saran atau
masukan, ide kreatif dan inovasi, serta tempat konsultasi yang saat ini telah memiliki
beberapa media dan layanan sebagai berikut:
1. Media HC Cares yaitu HC Cares hotline, HC Cares mail serta HC Cares Walk In (HC
Cares Lounge & Private Room, menara bank bjb, Jln. Naripan 12-14 Bandung), dan HC
Cares Chat Helpdesk.
2. Layanan HC Cares yaitu layanan Coaching and Counseling, Complaint and Suggestions,
Facilities dan Ask and Answer, HC Cares Helpdesk.
HC Cares was established as a forum for discussion and sharing, submitting suggestions
or input, creative ideas and innovations, as well as the right place for consultation which
currently maintains several media and services as follows:
1. HC Cares Media are HC Cares hotline, HC Cares mail and HC Cares Walk In (HC Cares
Lounge and Private Room, bank bjb tower, Jalan Naripan 12- 14 Bandung), dan HC
Cares Chat Helpdesk.
2. HC Cares services consist of Coaching and Counselling services, Complaint and
Suggestions, Facilities and Ask and Answer.
bjb Health+
bjb Health+ merupakan layanan fasilitas kesehatan bagi pegawai dan keluarga pegawai.
Tahun 2022, bank bjb bekerjasama dengan Yayasan Kesejahteraan Pegawai bank bjb
dalam memberikan layanan pengobatan ke rekanan rumah sakit, jaminan sosial kesehatan
kerja dan bantuan kesehatan khusus sesuai syarat dan ketentuan berlaku.
health+
bjb Health+ is a health facility service for employees and employees’ families. In 2022
bank bjb collaborated with the bank bjb Employee Welfare Foundation in providing
medical services to hospital partners, occupational health social security and special health
assistance in accordance with applicable terms and conditions.
for a better work life
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bjb Club
Wadah pegawai untuk menyalurkan minat dan bakat pegawai di bidang olahraga, seni
budaya dan hobi agar lebih terorganisir, tertib, dan terarah untuk dikelola dengan baik
yang terdiri dari berbagi jenis kegiatan.
It becomes a place for employees to channel their interests and talents in sports, arts and
culture and hobbies to be more organized and wellmanaged consisting of various types of
activities.
Human Capitasl Solution (HCS)
HC Solution didesain untuk memudahkan Pegawai dalam melakukan Self-Service dalam
layanan kepegawaian yang secara otomatis terhubung dengan pusat layanan Human Capital
dan mendukung perusahaan dalam pengambilan keputusan manajemen yang tepat dan
sebagai media pengelolaan fungsi Human Capital. Pengembangan HCS antara lain:
1. Engagement Survey.
2. Integrated Data dengan Aplikasi Internal lainnya.
3. Sentralisasi Pembayaran Kompensasi Benefit Pegawai.
4. Modul Flexy Work.
HC
5. My Activity.
6. bjb HC News.
SOLUTIONS HC Solution is designed to make it easier for Employees to perform Self-Service in personnel
services that are automatically connected to the Human Capital service center and support
companies in making the right management decisions and as a medium for managing the
Human Capital function. The development of HCS as follows:
1. Engagement Survey.
2. Integrated Data with other Internal Applications.
3. Centralized Employee Benefit Compensation Payment.
4. Modul Flexy Work.
5. My Activity.
6. bjb HC News.
HCS Mobile
HCS Mobile merupakan system layanan informasi kepegawaian berbasis aplikasi. HCS
Mobile dikembangkan sebagai media informasi dan komunikasi Internal bank bjb untuk
memudahkan pegawai memperoleh berbagai informasi seputar kepegawaian.
HCS Mobile became an application-based personnel information service system. HCS
Mobile was developed as an internal information and communication media for bank bjb
to make it easier for employees to obtain various information about employment.
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HCS Kehadiranku
HCS Kehadiranku sebagai suatu inovasi layanan kepegawaian alternatif absensi kehadiran
pegawai yang semula menggunakan alat fingerprint yang rawan dengan penyebaran
COVID-19 menjadi touchless dan personal melalui aplikasi smartphone yang terintegrasi ke
HCS Mobile dan menggunakan Geo Tag.
HCS Kehadiranku became an alternative employee attendance service innovation that
originally used a fingerprint device that was prone to the spread of COVID-19 to be
touchless and personal through a smartphone application integrated into HCS Mobile and
uses Geo Tag.
HC Cares Chat Help Desk
HC Cares Chat Help Desk merupakan media komunikasi internal pegawai berupa
aplikasi WhatsApp yang terhubung kepada seluruh pegawai yang bersifat aktif untuk
menyampaikan informasi mengenai kepegawaian maupun media sharing dan diskusi (chat)
antara pegawai dan Divisi Human Capital.
The HC Cares Chat Help Desk is an internal employee communication medium in the
form of the WhatsApp application which is connected to all active employees to convey
information regarding employment as well as media sharing and discussion (chat) between
employees and the Human Capital Division.
Instagram bjb_Greatpeople
Instagram bjb_Greatpeople merupakan media komunikasi internal pegawai berupa
aplikasi Instagram yang terhubung kepada seluruh pegawai yang bersifat aktif untuk
menyampaikan informasi mengenai kepegawaian dan merupakan media sharing/diskusi
(chat) antara pegawai dan Divisi Human Capital.
Instagram bjb_Greatpeople is an internal employee communication medium in the form
of an Instagram application that is connected to all employees who are active in conveying
employment information and is a media sharing/discussion (chat) between employees and
the Human Capital Division.
HC Cares Menyapa
HC Cares Menyapa merupakan media komunikasi internal pegawai yang bertujuan untuk
saling berkomunikasi, berdiskusi dan sharing mengenai kepegawaian ataupun personality
pegawai yang dikemas menarik dan informal sehingga pegawai dapat memiliki semangat
dan motivasi untuk bekerja secara lebih efektif, efisien dan produktif.
HC Cares Menyapa is an internal employee communication medium that aims to
communicate with each other, discuss, and share about staffing or employee personality,
which is packaged attractively and informally so that employees can have enthusiasm and
motivation to work more effectively, efficiently, and productively.
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bjb News
bjb News merupakan platform yang disediakan di dalam mobile apps HCS Mobile sebagai
media informasi dan komunikasi berita, aktivitas, kegiatan di lingkungan bank bjb seperti
berita inovasi, info-info menarik seputar bank bjb, artikel inspiratif dan lain-lainnya.
bjb News is a platform provided in the HCS Mobile mobile app as a medium for information
and communication of news, activities, activities within bank bjb such as innovation news,
interesting info about bank bjb, inspirational articles and others.
Tim Gugus Tugas dan Tim Gercep COVID-19
Merupakan sebuah gugus tugas yang dibentuk manajemen bank bjb untuk
mengkoordinasikan unit kerja dalam upaya mencegah dan menanggulangi dampak
penyakit corona agar kegiatan usaha Perseroan tetap dapat beroperasi secara optimal di
tengah wabah pandemi.
It is a task force formed by bank bjb management to coordinate work units in an effort
to prevent and overcome the impact of the corona disease so that bank business activities
could continue to operate optimally in the midst of a pandemic outbreak.
Human Capital Information System
Human Capital Information System
bank bjb terus bertransformasi dan berinovasi seiring dengan bank bjb continuously transforms and innovates in line with
kebutuhan dan tuntutan bjb Professionalism dalam pengelolaan the needs and demands of bjb Professionalism in personnel
kepegawaian, hal tersebut merupakan jawaban atas tantangan management. This is the response to the Company’s challenges
Perseroan dalam menghadapi era Digital saat ini. Transformasi in dealing with the current Digital era. Digital transformation
digital pengelolaan human capital dilakukan secara kontinu sesuai of human capital management is conducted continuously in
dengan tantangan yang dihadapi. accordance with the dealt challenges.
Human Capital Transformation Human Capital Transformation
1. Sistem informasi human capital berbasis web dan mobile, yang 1. Web and mobile-based human capital information system,
memiliki tiga fungsi utama yaitu, memberikan layanan end to which has three main functions, such as providing end-to-end
end kepada pegawai (End to End Employee Services Transaction), service to employee (End-to-End Employee Services Transaction),
memberikan support data dan informasi bagi manajemen dalam data support and information for management in decision
pengambilan keputusan (Strategic Decision Support), bahkan making (Strategic Decision Support). Further, it is currently able
saat ini mampu sebagai media informasi dan komunikasi internal as a medium for information and internal communication for
pegawai yang hadir dalam genggaman, kapan pun, dimana saja employees that is available at their fingertips, anytime, anywhere
(Communication Media Platform). (Communication Media Platform).
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HC Information & Communication System
HC Solution didesain sebagai media informasi dan komunikasi internal pegawai
yang bersifat personal dan customize
HC Solution is designed as a medium internal information and communication personal
employees and customize
MySurvey MyActivity Chat Helpdesk
HC Operation & Services System HC Strategic System
HC Solution didesain untuk memudahkan Pegawai dalam HC Solution didesain untuk mendukung pengambilan keputusan
melakukan Self-Service dalam layanan kepegawaian yang secara manajemen yang tepat dan sebagai media pengelolaan fungsi
otomatis terhubung degan pusat layanan Human Capital Human Capital
HC Solution is designed as a medium internal information and HC Solution is designed to support management decision
communication personal employees and customize making appropriate and as a medium of management Human
Capital function
Business Action
Perjalanan Dinas Resign Cuti
Business Trip Resign Leave
New Orders New Request New Request
Lembur Izin Diklat
Overtime Permission Training
New Request New Request New Orders
Sil
ih
A
ah
sa
h
s
Silih A
health+
for a better work life
Silih Asu
h
HC
Apolo COVID-19 Compensation & Analytics &
OJK Report & Benefit Reporting
Vaccine Transaction
Module
2. Sistem monitoring produktivitas pegawai (bjb One) yaitu 2. Employee productivity monitoring system (bjb One), which
sebuah aplikasi yang dirancang untuk mengawasi dan is an application designed to monitor and analyze employee
menganalisis kinerja serta produktivitas pegawai di lingkungan performance and productivity in the business Work Unit
Unit Kerja bisnis di bank bjb. Aplikasi ini memiliki fitur-fitur environment at bank bjb. This application has integrated
yang terintegrasi antara ekosistem Digital Human Capital features between the Digital Human Capital ecosystem and
dengan aplikasi pencapaian bisnis yang ada. Ekosistem Digital existing business achievement applications. The Digital Human
Human Capital mengacu pada berbagai sistem dan teknologi Capital Ecosystem refers to various systems and technologies
yang digunakan untuk mengelola sumber daya manusia used to manage human resources at bank bjb, such as
di bank bjb, seperti sistem manajemen pegawai, sistem employee management systems, training and development
pelatihan dan pengembangan, serta sistem evaluasi kinerja. systems, and performance evaluation systems.
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HUMAN
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Internalisasi Budaya
Culture Internalization
Penetapan tema dalam implementasi budaya diperlukan sebagai Determination of a theme in cultural implementation is required
pedoman dalam penyusunan program kerja budaya yang sesuai as a guideline in preparing a cultural work program that is in
visi misi dan strategi pencapaian kinerja tahunan Perseroan. accordance with the Company’s vision and mission and strategy
for achieving the Company’s annual performance.
Tujuan tema Budaya Tahun 2023 The 2023 Cultural Theme Objectives
Meningkatkan Produktivitas
Increase productivity
Meningkatkan kepatuhan dan kemampuan bekerja
Increase compliance and work skills
Meningkatkan Kompetensi Pegawai
Improve employee competence
Tema budaya di Tahun 2023 yang akan ditetapkan bertujuan The 2023 cultural theme, which will be determined, aims to build
untuk membangun budaya kerja dengan standar kualitas kinerja a work culture with high performance quality standards, increase
yang tinggi, meningkatkan budaya kepatuhan dan sadar risiko the culture of employee compliance and risk awareness, and
pegawai, serta menumbuhkan tata kelola dan bisnis proses foster governance and business processes in achieving systematic,
dalam pencapaian kinerja yang sistematis, efektif dan efisien. effective, and efficient performance. Some references to work
Beberapa referensi perilaku kerja dalam penyusunan tema budaya behavior in preparing the 2023 corporate culture theme are as
perusahaan Tahun 2023 adalah sebagai berikut: follows:
1. Perilaku bekerja yang selalu membiasakan sesuatu yang 1. Work behavior always familiarizing correct thing, not affirming
benar, bukan membenarkan sesuatu yang biasa atau yang common thing or having been habit.
sudah menjadi kebiasaan.
2. Kewajiban untuk melakukan review dan refreshment dalam 2. Obligation to review and conduct refreshment in the
tata kelola dan bisnis proses yang berlaku. applicable governance and business process.
3. Bekerja secara kolaborasi dan sinergi antar Pegawai dan Unit 3. Collaborative and synergized work between Employee and
Kerja. Work Unit.
4. Pemimpin harus menjadi Role Model dan Change Leader 4. Leader must be Role Model and Change Leader to create
untuk menciptakan budaya kerja yang lebih baik. better work culture.
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bjb Professionalism – Work The Line bjb Professionalism – Work The Line
Penjelasan Program Program Description
Setiap “Great People bjb” harus bekerja dengan kompetensi Every “Great People bjb” must work with the best competence
terbaiknya dan penuh tanggung jawab serta melakukan upaya and duly responsibility, and make continuous self-development
pengembangan diri secara berkelanjutan. “Perilaku profesional attempts. “Professional behavior that employees must have and
yang harus dimiliki dan dilakukan pegawai agar mampu bekerja exercise in order to work well and correctly.”
baik dan benar.”
Tujuan Program Program Objectives
Tujuan dari pelaksanaan kegiatan bjb Professionalism – Work The The objectives of the implementation of bjb Professionalism –
Line adalah sebagai berikut: Work The Line are as follows:
a. Pahami a. Understanding
Setiap Great People bjb wajib mengetahui dan memahami Every Great People bjb must know and understand any matters
segala hal yang terkait dengan tuntutan pekerjaan atau related to work demands or his/her position competency.
kompetensi jabatannya.
b. Laksanakan b. Conducting
Setiap Great People bjb wajib mematuhi ketentuan yang Every Great People bjb must comply with the applicable
berlaku dalam setiap pekerjaannya dan mengeksekusi target provisions in each of his/her works and execute performance
kinerja dengan efektif dan efisien. target effectively and efficiently.
c. Tuntaskan c. Completing
Setiap Great People bjb wajib melakukan monitoring dan Every Great People bjb must conduct monitoring and
evaluasi kinerja, serta menuntaskan pekerjaan secara optimal performance evaluation and complete work optimally and in
dan berkualitas. quality manner.
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Struktur Organisasi Pengelola Human Capital
Organizational Structure of Human Capital Management
Organisasi Pengelola Sumber Daya Manusia di bank bjb The Human Resources Management Organization at bank bjb is
merupakan bagian dari Direktorat Operasional yang dipimpin oleh part of the Operations Directorate led by the Operations Director,
Direktur Operasional, dan Divisi Human Capital sebagai divisi yang and the Human Capital Division is the division that manages and
mengelola dan berwenang dalam menetapkan kebijakan SDM, is authorized to set HR policies, as well as carry out its role as a
serta menjalankan peran sebagai strategic business partner dan strategic business partner and carry out HR policy operations.
melakukan operasionalisasi kebijakan SDM.
Operasional
Human Capital
Hubungan Manajemen
Rekrutmen & Industrial & Kompetensi &
Strategi & Pengembangan Pengembangan Kinerja Pegawai
Budaya Human Capital Operation &
Kebijakan Karir Competency
Industrial Relations Business Partner Service
Strategy & Policy Recruitment and Management
Career Development and Cultural and Employee
Development Performance
Garis Komando Garis Koordinasi Direktur pemimpin divisi Pemimpin grup Berjumlah Lebih Dari Satu
Command Line Coordination Line Director Division Head Group Leader Number More than one
Rencana Pengembangan Human Capital Tahun 2024
Human Capital Development Plan for 2024
Untuk mendukung proses persiapan kapabilitas pegawai yang To support the process of preparing employee capabilities that can
dapat berdaya saing secara global, Human Capital bank bjb telah be globally competitive, bank bjb Human Capital has designed
merancang beberapa program pengembangan talenta pegawai several sustainable employee talent development programs so
yang berkesinambungan sehingga Perseroan bisa mendapatkan that the Company can obtain superior human resources (HR).
sumber daya manusia (SDM) yang unggul. Pengembangan Employee talent development focuses on employee career
talenta pegawai berfokus pada pengembangan karir pegawai development and employee competency development, which is
dan pengembangan kompetensi pegawai yang dikemas melalui packaged through several main programs as follows:
beberapa program utama sebagai berikut:
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1. Program Pengembangan Karir 1. Career Development Program
a. Promosi Grade Reguler Tahunan a. Annual Grade Regular Promotion
Promosi grade bagi pegawai yang telah memenuhi Grade promotion for employee having satisfied
kriteria penilaian dan aging grade yang ditetaplan. assessment criteria and the stipulated aging grade.
b. Internal Job Posting b. Internal Job Posting
Pengembangan pegawai melalui mekanisme internal Job Employee development by internal Job Posting
Posting. mechanism.
c. Treasury Development Program c. Treasury Development Program
Pegawai specialist level officer dibidang Treasury. Specialist level officer employee in the Treasury sector.
d. Account Officer Development Program d. Account Officer Development Program
Pemenuhan pegawai bisnis melalui mekanisme internal Business employee satisfaction by internal Job Posting
Job Posting Pegawai yang berasal dari Supporting. Employee mechanism originating form Supporting.
e. Staff Development Program e. Staff Development Program
Pegawai specialist level Officer dibidang Operasional Specialist level Officer Employee in the Operational or
maupun Bisnis. Business sector.
f. Manager Development Program f. Manager Development Program
Talent Pooling pegawai yang dipersiapkan menduduki Talent Pooling employee prepared to occupy Manager/
jabatan Manager/Pemimpin KCP Tipe A. KCP Head Type A position.
2. Pengembangan Kompetensi Pegawai 2. Employee Competency Development
a. Executive Development Program a. Executive Development Program
Program ini dirancang bagi para executive atau pimpinan This program is designed for executives or top leaders of
puncak organisasi yang fokus pengembangannya organizations whose development focus is experiential
difokuskan kepada program experiental learning untuk learning programs to open up the latest insights
membuka wawasan terbaru terkait trend global yang regarding global trends which are expected to bring new
nantinya diharapkan dapat membawa inovasi baru ke innovations to the organization.
dalam organisasi.
b. Senior Management Development Program b. Senior Management Development Program
Program yang dirancang bagi para senior management This program is designed for senior management to hone
untuk mengasah kemampuan leadership mereka yang their leadership skills with a development focus on 3
fokus pengembangan difokuskan kepada 3 (tiga) (three) main competencies, such as:
kompetensi utama yaitu:
• Driving Innovation • Driving Innovation
• Energizing the Organization • Energizing the Organization
• Establishing Strategic Direction. • Establishing Strategic Direction.
c. Talent Development Program c. Talent Development Program
Program yang bertujuan untuk mengidentifikasi, A program that aims to identify, develop, and retain
mengembangkan, dan mempertahankan bakat-bakat superior talents in the organization. This program includes
unggul dalam organisasi. Program ini mencakup a series of development activities such as skills training,
serangkaian kegiatan pengembangan seperti pelatihan mentoring to help talents reach their maximum potential.
keterampilan, mentoring untuk membantu para talent
mencapai potensi maksimal mereka.
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Information Technology
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Strategi Teknologi Informasi
Information Technology Strategy
Dalam mendukung visi dan misi information technology (IT), To support the vision and mission of Information Technology
bank bjb telah menyusun Langkah Strategis Divisi Information (IT), bank bjb has formulated Strategic Plans for the Information
Technology yang dituangkan dalam Rencana Strategis Teknologi Technology Division outlined in the Information Technology
Informasi/Information Technology Strategic Plan (ITSP) bank bjb. Strategic Plan (ITSP) of bank bjb. This ITSP is developed based
ITSP ini disusun berdasarkan tujuan strategis, perkembangan on strategic objectives, business and digitization trends, best
bisnis dan digitalisasi, best practice, kebutuhan bisnis saat ini dan practices, current business needs, and input from stakeholders as
hasil interview dari stakeholder dan Board of Director bank bjb. well as the Board of Directors of bank bjb which was obtained
through interviews.
Visi IT IT Vission
“ Uptime Sistem 99,00% dalam mendukung kegiatan
bisnis dan ekosistemnya, dengan memberikan layanan
teknologi yang tepat guna “
“ Uptime System reaches 99.00% of its support to maintain
business activities and its ecosystem by providing an excellent
technology service “
Misi IT IT Mission
Meningkatkan keandalan, stabilitas, dan upscaling infrastruktur
Improving reliability, stability, and infrastructure upscaling
Peningkatan kompetensi sumber daya yang berkualitas
Enhancing quality resources
Proaktif dalam penerapan teknologi terkini
Being proactive in the latest technology implementation
Melaksanakan tata kelola yang baik sebagai bentuk kepatuhan akan regulasi
Conducting a good management as the form of regulatory compliances
Terdapat 7 (tujuh) tema kapabilitas taktikal IT yang ditentukan There are 7 (seven) tactical IT capability themes based on IT and
berdasarkan IT & business alignment pada ITSP bank bjb. Tema business alignment in the ITSP of bank bjb. These tactical capability
taktikal kapabilitas tersebut dibentuk untuk menyelaraskan themes are designed to align the ITSP with strategic objectives
ITSP dengan tujuan strategis dan menjawab tantangan utama and address the identified key challenges. The 7 (seven) tactical
yang teridentifikasi. Berikut merupakan 7 (tujuh) taktikal tema themes of Information Technology (IT) strategy are as follow:
kapabilitas strategi Teknologi Informasi (TI):
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7 Taktikal Tema Kapabilitas / 7 Tactical Capability Themes
Optimasi Proses dan Penguatan Infrastruktur Data-Driven Monitoring
Workforce dan Budaya Digital dan Decisioning
Process Optimization Infrastructure Enhancement Data Driven Monitoring and
and Work Space and Digital Culture Desicioning
Customer-centric
dan Customer-driven
Organization
Customer-centric and
Penetrasi dan Cyber Security dan Ekosistem Keuangan Customer-driven Organization
Digitalisasi Data Privacy Berkelanjutan
Penetration and Market Cyber Security and Sustainable Financial
Digitalization Data Privacy Ecosystem
Tujuan Strategis / Strategic Goals Tantangan Utama / Primary Challenges
Digital transformation dalam digitizing core, digital system Perkembangan regulasi, literasi digital, IT, & cyber, serta
intelligence, dan ekosistem. tantangan bisnis seperti target unbanked segment
Digital Transformation in Digitizing Core, Digital System Regulations Development, Digital Literacy, IT & Cyber, and
Intelligence, and Ecosystem Business Challenges Such as Mbanked Segment Target
Mendukung perkembangan bisnis dan ekosistemnya. Kompleks, siloed dan aging legacy achitecture.
Support Business Development and its Ecosystem Complex, Siloed and Aging Legacy Architecture
Digital as value proposition. Ketergantungan terhadap manual dan paper based proses.
Digital as value Proposition Dependance on Manual and Paper Based Process
Always on, sustainable & terpercaya. Data nasabah dan analytics belum efektif secara operasional.
Always on, Sustailable & Trusted Customer Data and Analytics are not yet Effective Operationally
Menguatkan & Upscaling IT operating model. Scale, performance dan keterbatasan availability.
Enhancing & Upscaling IT Operating Model Scale, Perfomance, and Availability Limitation
Penguatan terhadap kepatuhan & regulasi. IT delivery yang belum konsisten
Strengtthening Compliance and Regulation Inconsistant IT Delivery
Adapun penjabaran dari 7 (tujuh) tema kapabiltas langkah The further details of 7 (seven) themes of capabilities strategic
strategis Divisi Information Technology adalah sebagai berikut: steps of the IT Division are explained below:
1. Process and Workforce Optimization 1. Process and Workforce Optimization
Process and Workforce Optimization yaitu tema yang berfokus Process and Workforce Optimization theme focuses on
dalam peningkatan efektifitas dan efisiensi proses melalui Increasing the effectiveness and efficiency of processes through
pembaharuan dan digitalisasi proses, serta harmonisasi dan updating and digitizing processes, as well as harmonization
sinergi antara fungsi dengan mengimplementasikan tata and synergy between functions by implementing integrated
kelola yang terintegrasi dan otomatisasi. governance and automation.
2. Infrastructure and Digital Culture Strengthening 2. Infrastructure and Digital Culture Strengthening
Infrastructure and Digital Culture Strengthening yaitu tema Infrastructure and Digital Culture Strengthening theme
yang berfokus dalam peningkatan infrastruktur TI secara focuses on Increasing IT infrastructure in terms of function
fungsi maupun kapasitas serta pengimplementasian teknologi and capacity as well as implementing the latest technology
dan aplikasi terbaru untuk mendukung perkembangan bisnis. and applications to support business development.
3. Data-Driven Monitoring and Decisioning 3. Data-Driven Monitoring and Decisioning
Data-Driven Monitoring and Decisioning yaitu tema Data-Driven Monitoring and Decisioning theme focuses on
yang berfokus dalam pembentukan data management, Formation of data management, use of technology to digitize
pemanfaatan teknologi untuk digitalisasi proses reporting, the reporting process, and increase the use of data in the
serta peningkatan penggunaan data dalam proses analisis di analysis process in each bank bjb business line.
tiap lini bisnis bank bjb.
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4. Market Digitalization and Penetration 4. Market Digitalization and Penetration
Market Digitalization and Penetration yaitu tema yang Market Digitalization and Penetration theme focuses on digital
berfokus dalam pengembangan kapabilitas digital dari segi capability development in terms of products and services,
produk dan layanan, kolaborasi partner digital, perluasan digital partner collaboration, digital market expansion, as well
digital market, serta optimasi dan digitalisasi produk. as product optimization and digitalization.
5. Customer-centric and Customer-driven Organization 5. Customer-centric and Customer-driven Organization
Customer-centric and Customer-driven Organization yaitu Customer-centric and Customer-driven Organization theme
tema yang berfokus dalam Solusi terintegrasi yang dapat focuses on Integrated solutions that can serve customer
melayani kebutuhan customer, memberikan feedback, serta needs, provide feedback, as well as the ability to personalize
kemampuan untuk melakukan personalisasi kepada tiap each customer based on customer behavior.
nasabah berdasarkan customer behavior.
6. Cyber Security and Data Privacy 6. Cyber Security and Data Privacy
Cyber Security and Data Privacy yaitu tema yang berfokus Cyber Security and Data Privacy theme focuses on Creating
dalam menciptakan kemampuan untuk melihat potensi the ability to see potential threats and existing vulnerabilities,
ancaman dan vulnerability yang ada, serta standarisasi as well as standardize management procedures and
prosedur dan teknologi pengelolaan. technologies.
7. Sustainable Financial Ecosystem 7. Sustainable Financial Ecosystem
Sustainable Financial Ecosystem yaitu tema yang berfokus Sustainable Financial Ecosystem theme focuses on Develop
dalam mengembangkan produk-produk perbankan yang banking products that can achieve ESG metrics, and make
dapat mencapai metrik-metrik ESG, serta menjadikan ESG ESG a part of risk management and future development of
sebagai bagian dari manajemen risiko dan pengembangan the company.
perusahaan ke depannya.
Salah satu dari langkah strategis Divisi Information Technology One of the strategic steps of the Information Technology Division
terdapat tema yang berfokus terhadap keamanan teknologi includes a theme focusing on Information Technology security,
Informasi yaitu, Cyber Security and Data Privacy. Tema tersebut namely Cybersecurity and Data Privacy. This topic aims to develop
berfokus untuk menciptakan kemampuan dalam melihat potensi capabilities in identifying potential threats and vulnerabilities, as
ancaman dan vulnerability yang ada, serta standarisasi prosedur well as standardizing procedures and technology management.
dan teknologi pengelolaan. Langkah awal dalam mengembangkan The initial step in developing the IT security strategy involves
strategi keamanan IT yaitu dengan melakukan inventarisasi dalam conducting an inventory within a comprehensive risk appetite
konteks risk appetite yang komprehensif termasuk semua aset context, including all IT infrastructure assets, employees, and
infrastruktur IT, pegawai dan vendor. Ada beberapa kebijakan vendors. Several policies have been implemented by bank bjb to
yang di terapkan bank bjb untuk memperkuat keamanan terkait strengthen security related to cybersecurity and data privacy.
keamanan siber dan data privacy yaitu:
1. Data Loss Prevention (DLP); 1. Data Loss Prevention (DLP);
2. Penguatan Security Operation dan Services; 2. Security Operation and Services Enhancement;
3. Security Awareness Program; 3. Security Awareness Program;
4. Pembentukan Unit Khusus Menanganani IT Security. 4. Special Unit for Handling IT Security.
Inovasi Teknologi Informasi
Information Technology Innovation
Pengembangan dan Inovasi Teknologi Informasi merupakan kunci Information Technology development and innovation is an essential
dalam mendukungnya perkembangan bisnis dan digitalisasi di factor in supporting the business growth and digitalization at bank
bank bjb. Sejalan dengan strategi teknologi informasi bank bjb, bjb. In line with bank bjb’s information technology strategy, in 2023
pada tahun 2023 bank bjb terus melakukan pengembangan dan the bank continues to carry out the development and innovation of
inovasi teknologi informasi baik secara aplikasi, infrastruktur dan information technology in applications, infrastructure, and current
tren teknologi informasi saat ini untuk mendukung perkembangan information technology trends to support the business development
bisnis bank bjb, dengan highlight yaitu: of bank bjb with several highlights such as:
a. Kartu Kredit Indonesia (KKI); a. Indonesian Credit Card (KKI);
b. New Loan Management System (LMS); b. New Loan Management System (LMS);
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c. LMS Channelling; c. LMS Channelling;
d. Smart Mobile Banking; d. Smart Mobile Banking;
e. Software Defined Wide Area Network (SDWAN); e. Software Defined Wide Area Network (SDWAN);
f. Cloud Computing; f. Cloud Computing;
g. Fraud Detection System (FDS); g. Fraud Detection System (FDS);
h. Robotic Process Automation (RPA); h. Robotic Process Automation (RPA);
i. Change Data Capture (CDC); i. Change Data Capture (CDC);
j. Application Performance Monitoring (APM). j. Application Performance Monitoring (APM).
Dalam pengembangan teknologi informasi, Divisi IT Security bank In the development of information technology, the IT Security
bjb melakukan transformasi digital dalam rangka mewujudkan Division of bank bjb conducts a digital transformation to achieve
pencapaian target usaha Perseroan. Implementasi proyek the company’s business targets. The implementation of IT security
keamanan IT security adalah inisiatif strategis yang dilakukan projects is a strategic initiative undertaken by the company to
oleh Perseroan untuk mengidentifikasi, menilai dan memitigasi identify, assess, and mitigate vulnerabilities and threats to the
kerentanan dan ancaman terhadap aset infomasi Perseroan. Divisi company’s information assets. The IT Security Division is enhancing
IT Security melakukan peningkatan IT security dan Cyber defense IT security and cyber defense in the implementation of digital
dalam implementasi transformasi digital yang selaras dengan transformation aligned with bank bjb’s corporate plan. Various
arah corporate plan bank bjb. Berbagai inovasi dilakukan untuk innovations are undertaken to improve capabilities and update
peningkatan kemampuan serta memperbaharui teknologi untuk technology for further improvement of the company’s security.
lebih meningkatkan keamanan Perseroan. Terdapat beberapa Several projects have been implemented, both new projects and
proyek yang telah diimplementasikan baik proyek baru maupun the development of existing projects over the past year. Here are
pengembangan proyek yang telah ada, contoh beberapa proyek some examples of projects implemented and developed over the
yang telah diimplementasikan dan dikembangkan selama 1 (satu) past one year:
tahun terakhir antara lain:
1. Penerapan Network Access Control (NAC) 1. Network Access Control (NAC) implementation
2. Penerapan Keamanan East-West Traffic 2. East West Traffic Security Implementation
3. Uji Coba Keamanan Siber secara berkala 3. Cyber Security periodical testing
4. Penerapan Priviledged Access Control 4. Priviledged Access Control implementation
Tata Kelola Teknologi Informasi
Information Technology Governance
Penerapan IT Governance di bank bjb mengacu pada standar The implementation of IT Governance at bank bjb refers to the
Control Objectives for Information and Related Technologies Control Objectives for Information and Related Technologies
(COBIT) 2019 untuk pengukuran maturitas Teknologi Informasi (COBIT) 2019 standards for measuring the maturity of the
Perseroan dan The Open Group Architecture Framework (TOGAF) Company’s Information Technology and The Open Group
untuk Enterprise Architecture yang tercantum pada IT Strategic Architecture Framework (TOGAF) for Enterprise Architecture
Plan (ITSP). Dalam pelaksanaannya bank bjb telah tersertifikasi as outlined in the IT Strategic Plan (ITSP). In its execution, bank
standar internasional ISO/IEC 27001:2022 dan ISO/IEC 20000- bjb has been certified with international standards ISO/IEC
1:2018. 27001:2022 and ISO/IEC 20000-1:2018.
COBIT merupakan audit sistem informasi dan dasar pengendalian COBIT is an information system audit and control framework
yang dibuat oleh Information Systems Audit and Control created by the Information Systems Audit and Control Association
Association (ISACA) dan IT Governance Institute (ITGI) pada tahun (ISACA) and IT Governance Institute (ITGI) in 1992. COBIT is a
1992. COBIT merupakan standar kontrol yang umum terhadap common control standard for information technology, providing
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teknologi informasi, dengan memberikan kerangka kerja dan a framework and controls for information technology that can
kontrol terhadap teknologi informasi yang dapat diterima dan be accepted and applied internationally. COBIT serves as a best
diterapkan secara internasional. COBIT merupakan best practice practice commonly used by companies to measure the maturity
yang biasa digunakan Perusahaan dalam mengukur tingkat level of their IT systems.
maturitas IT.
Enterprise Architecture (EA) merupakan sebuah blueprint Enterprise Architecture (EA) is a blueprint that outlines the
yang menggambarkan strategi Teknologi Informasi untuk Information Technology strategy to align corporate strategy and
menyelaraskan antara strategi korporasi dan Teknologi Informasi Information Technology in order to achieve specific planned
guna mencapai tujuan tertentu yang sudah direncanakan. objectives. The framework used in developing EA employs TOGAF.
Framework yang digunakan dalam penyusunan EA menggunakan TOGAF is a framework and method development for Enterprise
TOGAF. TOGAF adalah suatu kerangka kerja dan pengembangan Architecture used by corporate architects to design, plan,
metode untuk Enterprise Architecture yang digunakan oleh arsitek implement, and manage organizational architectural structures.
perusahaan untuk merancang, merencanakan, melaksanakan,
dan mengatur perusahaan arsitektur organisasi.
ISO/IEC 20000-1:2018 merupakan suatu standar Internasional ISO/IEC 20000-1:2018 is an international standard focusing
yang terfokus dalam penerapan Sistem Manajemen Layanan on the implementation of an Information Technology Service
Teknologi Informasi (SMLTI). ISO/IEC 27001:2022 merupakan Management System (ITSMS). ISO/IEC 27001:2022 is an
suatu standar Internasional yang terfokus dalam penerapan international standard points out on the implementation of an
Sistem Manajemen Keamanan Informasi (SMKI). Information Security Management System (ISMS).
Kepatuhan Divisi Information Technology terhadap peraturan Compliance of the Information Technology Division with
regulator di antaranya: regulatory rules includes
1. Pemenuhan penyampaian laporan rencana pengembangan TI; 1. Fulfillment of the IT development plan report submission
2. Pemenuhan penyampaian rencana strategis teknologi 2. Fulfillment of the Information Technology Strategic Plan (ITSP)
informasi (ITSP); submission.
3. Pemenuhan penyampaian laporan hasil pengujian keamanan 3. Fulfillment of the cybersecurity testing results report.
siber;
4. Pemenuhan penyampaian maturitas keamanan siber; 4. The submission of cybersecurity maturity report.
5. Pemenuhan penyampaian maturitas digital Bank; 5. The submission of the digital maturity of the bank.
6. Pemenuhan penyampaian laporan kondisi terkini penggunaan 6. The submission of the current condition report on the use of
teknologi informasi. information technology.
Pelaporan Teknologi Informasi mengacu kepada POJK No. 11/ The reporting of Information Technology refers to OJK Regulation
POJK.03/2022 tanggal 6 Juli 2022 Tentang Penyelenggaraan No. 11/POJK.03/2022 dated July 6, 2022, regarding the
Teknologi Informasi Oleh Bank Umum. Implementation of Information Technology by Commercial Banks.
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Tata Kelola Keamanan Teknologi Information Technology Security
Informasi Management
bank bjb memiliki unit kerja yang secara khusus berfokus terhadap bank bjb has a specialized unit works specifically on bank bjb
keamanan Teknologi Informasi bank bjb, pembentukan unit kerja Information Technology security. The establishment of the IT
IT Security dibentuk dalam upaya mendukung keberlangsungan Security unit is part of supports to the sustainability of optimal
layanan nasabah yang optimal dan tangguh dalam menghadapi customer services and resilience in facing cybersecurity threats. In
ancaman-ancaman keamanan siber. Selain penguatan di sisi addition to strengthening the organizational aspect, cybersecurity
organisasi, dilakukan penguatan keamanan siber di sisi regulasi, is reinforced in terms of regulation, infrastructure, and operations
infrastruktur dan operasional guna mengantisipasi tren serangan to anticipate trends in cyber attacks. This cybersecurity
siber. Penguatan keamanan siber ini telah tercantum dalam reinforcement is outlined in bank bjb’s Information Technology
Strategi Teknologi Informasi bank bjb. Strategy.
Di dalam Strategi Teknologi Informasi, bank bjb telah memiliki In the Information Technology Strategy, bank bjb has
Enterprise Architecture Security menggunakan acuan Sherwood implemented Enterprise Architecture Security using the Sherwood
Applied Business Security Architecture (SABSA). Penguatan dari Applied Business Security Architecture (SABSA) framework.
sisi organisasi, regulasi, infrastruktur dan operasional keamanan Strengthening Information Security in terms of organizational
Informasi diharapkan meningkatkan penilaian kematangan aspects, regulations, infrastructure, and operations is expected to
cyber security bank bjb dan sebagai komitmen bank bjb dalam enhance the cybersecurity maturity assessment of bank bjb. This
meminimalisir risiko insiden keamanan dan menghindari kerugian reflects bank bjb’s commitment to minimizing the risks of security
dari serangan siber. incidents and avoiding losses from cyber attacks.
Dalam melakukan proses tata kelola apabila terjadi isu IT termasuk In carrying out management process, in the occurrence of IT
disruption (gangguan), dan disaster recovery (pemulihan bencana), issues, including disruptions and disaster recovery, the Information
Divisi Information Technology dan Divisi IT Security telah memiliki Technology Division and IT Security Division have established
ketentuan terkait pengelolaan insidental yang mengacu terhadap provisions related to incident management in accordance with the
peraturan Otoritas Jasa Keuangan dan Bank Indonesia di mana OJK and Bank Indonesia regulations, in which, in the event of IT-
apabila terjadi isu/insiden terkait IT, Perseroan melakukan: related issue or incident, the company takes the following steps:
1. Analisis Isu/Insiden terkait IT. 1. Analyzing the IT-related issue/ incident
2. Melakukan koordinasi di internal IT/IT Security dan apabila 2. Coordinating internally within IT/IT Security and, if necessary,
dibutuhkan bersama unit kerja terkait. collaborating with relevant units.
3. Melakukan koordinasi apakah perlu dilakukan pengaktifan 3. Coordinating to determine whether the activation of the
DRP/tidak. Disaster Recovery Plan (DRP) is necessary or not
4. Melakukan pelaporan insidental kepada regulator yaitu Bank 4. Reporting incidents to Bank Indonesia and the Financial
Indonesia dan Otoritas Jasa Keuangan mengacu terhadap Services Authority as the regulators, following the respective
masing masing ketentuan terkait pelaporan insidental setelah provisions related to incident reporting after coordination has
dilakukan koordinasi disisi internal. been carried out internally.
5. Melakukan penyusunan Root Cause Analysis dan target 5. Conducting Root Cause Analysis and develop a target
recovery plan untuk pemulihan isu/insiden. recovery plan for resolving the issue/incident
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6. Melakukan penyampaian kepada Manajemen/Direksi bank 6. Providing communication to the Management/Board of Directors
bjb terkait insiden/isu yang terjadi. of bank bjb regarding the incident/issue that has occurred.
7. Melakukan update terkait penyelesaian/recovery terhadap 7. Providing updates related to the resolution/recovery of issues
isu yang terjadi dari awal hingga isu telah dinyatakan solved that occur from the beginning until the issue is declared
kepada internal, manajemen bank bjb maupun pihak solved to internal stakeholders, the management of bank bjb,
regulator perbankan (OJK & BI). and banking regulatory authorities (OJK & BI).
Selain itu, Divisi Information Technology dan Divisi IT Security telah In addition, the Information Technology Division and IT Security
memetakan risiko terkait teknologi informasi yang disusun dalam Division have mapped information technology-related risks in
dokumen Risk Control Self Assessment yang dilakukan pengkinian the Risk Control Self-Assessment document which is periodically
secara berkala di mana dalam dokumen tersebut dilakukan updated. The identification of existing information technology-
identifikasi terhadap risiko yang ada terkait teknologi informasi related risks and an assessment of the risks and their potential
serta dilakukan penilaian terhadap risiko dan dampak yang terjadi. impacts has already conducted.
Penguatan Infrastruktur Teknologi Strengthening Information
Informasi Technology Infrastructure
bank bjb telah memiliki infrastruktur teknologi Informasi yang Bank bjb has established Information Technology infrastructure
dapat bersaing pada era modern salah satunya perangkat server, that competes effectively in the modern era, particularly in
storage, network dan security. Dalam melakukan penguatan server, storage, network, and security devices. In reinforcing
infrastruktur teknologi Informasi, pada tahun 2023 Divisi the Information Technology infrastructure, the Information
Information Technology melakukan: Technology Division embarked on the following initiatives in 2023:
1. Peningkatan kapasitas dan kapabilitas terhadap seluruh Data 1. Enhancement of capacity and capabilities across all bank bjb
Center bank bjb; Data Centers;
2. Peningkatan kapasitas dan kapabilitas infrastruktur teknologi 2. Boosting capacity and capabilities of Information Technology
Informasi untuk menunjang operasional perbankan; infrastructure to support banking operations;
3. Melakukan pemeliharaan terhadap fasilitas Data Center dan 3. Maintenance of Data Center facilities and Information
infrastruktur teknologi Informasi bank bjb untuk melakukan Technology infrastructure of bank bjb including preventive
preventive maupun corrective maintenance. and corrective maintenance.
Infrastruktur dan teknologi memiliki peran kunci dalam keamanan Infrastructure and technology play a pivotal role in cybersecurity.
siber, membangun dan mengelola infrastuktur teknologi yang Building and managing a secure technology infrastructure are
aman sangat penting untuk melindungi sistem dan data dari crucial for safeguarding systems and data against cyber threats.
serangan siber. Dalam rangka mendukung layanan digital In the pursuit of resilient digital services for all stakeholders, the IT
yang tangguh terhadap segenap stakeholder. Divisi IT Security Security Division relentlessly engages in continuous improvement.
senantiasa melakukan perbaikan tiada henti. Salah satunya disisi This includes security measures in the technological infrastructure,
keamanan infrastruktur teknologi, selain dilakukannya monitoring such as periodic monitoring of existing Information Technology
secara berkala pada infrastruktur Teknologi Informasi yang ada. infrastructure. The following are additional supporting aspects in
Berikut aspek pendukung lain dalam penguatan Infrastruktur strengthening bank bjb’s Technology Security Infrastructure:
Teknologi Security bank bjb:
1. bank bjb telah menjalankan monitoring terhadap keamanan 1. Bank bjb conducts monitoring of system security through the
sistem dengan pemanfaatan Security Operation Center (SOC) utilization of a Security Operation Center (SOC). This SOC,
yang terdiri dari komponen penting dalam mendukung comprising essential components, aims to detect, analyze,
keamanan jaringan Perseroan. Security Operation Center and respond to cybersecurity incidents using a combination
(SOC) ini bertujuan untuk mendeteksi, menganalisa, of solutions and processes. Supporting security information
dan menanggapi insiden keamanan siber menggunakan and event management (SIEM) applications provide
kombinasi solusi dan serangkaian proses. Adapun terdapat comprehensive network activity information, enabling prompt
aplikasi pendukung keamanan SIEM yang dapat memberikan responses to security threats.
informasi aktivitas di seluruh jaringan sehingga ancaman
keamanan dapat segera direspon lebih cepat.
2. Melakukan pengujian secara berkala yaitu melalui penetration 2. Conducting periodic testing through penetration testing and
testing dan red teaming untuk penguatan pada keamanan red teaming to reinforce the security of bank bjb’s systems
system dan infrastruktur bank bjb. and infrastructure.
3. Penerapan infrastuktur pendukung lainnya terkait keamanan 3. Adoption of additional infrastructure components concerning
siber. cybersecurity measures.
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Perkembangan Struktur dan Sumber Daya Manusia
Divisi Information Technology
Development of Structure and Human Resources in
Information Technology Division
Dalam rangka mendukung perkembangan bisnis bank bjb, To support the business development of bank bjb, the strategic
rencana strategis teknologi informasi dan mendukung regulasi plan for information technology, and to comply with banking
perbankan di Indonesia seperti Peraturan Bank Indonesia regulations in Indonesia, such as the Bank Indonesia Regulations
dan Peraturan Otoritas Jasa Keuangan, bank bjb melakukan and Financial Services Authority Regulations, bank bjb has made
penyesuaian khususnya di Direktorat IT, Treasury & International specific adjustments, especially within the Directorate of IT, Treasury
Banking dengan dibentuknya Divisi IT Security di mana sebelumnya & International Banking. This includes the establishment of the
IT Security merupakan bagian di dalam Divisi Information IT Security Division, which was previously part of the Information
Technology. Adapun komposisi dari organisasi Divisi Information Technology Division. The organizational composition of the
Technology setelah dilakukan penyesuaian adalah sebagai berikut: Information Technology Division after these adjustments is as follows:
1. Struktur Organisasi Divisi Information Technology 1. Organizational Structure of The Information Technology
Division
Struktur Organisasi Divisi Information Technology berdasarkan Based on the Director’s Decree No. 0196/SK/DIR-PST/2023
Surat Keputusan Direksi No. 0196/SK/DIR-PST/2023 tanggal 19 dated June 19, 2023, regarding the Organizational Structure
Juni 2023 Tentang Struktur Organisasi PT Bank Pembangunan of PT Bank Pembangunan Daerah Jawa Barat dan Banten,
Daerah Jawa Barat dan Banten, Tbk. Tbk., the Information Technology Division’s organizational
structure is as follows.
a. Organizational Structure a. Organizational Structure
IT, Treasury & International Banking
Information Technology
Information Information Information
Technology 1 Technology 2 Technology 3
Business
Operation
IT Architecture Corporate Application Digital Intelligence, Backend Helpdesk &
Management
& Governance Services Management Business Analytics & Management Support
DC
Regulatoty
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b. Functional Structure b. Functional Structure
Functional Structure
Pemimpin Divisi IT
Centre of Excellence (CoE)
Strategic Roles
Centre Of Exelence (CoE)
Strategic Roles
group bussiness Group
Group IT Group Group Group Group
Group Digital intelligence, Operation
Architecture & Corporate Application Backend Helpdesk &
Business analytics & Management
Governance Service Management Management Support
regulatory DC
Squad 5
IT Governance Squad 1 Application Facility
Core Banking Business Network
& Audit Digital Loan Support Management
Intelligence
Line of Business Model
1. project
manager
2. business
analyst
Surrounding Squad 2 Squad 6 Technical Data Center
IT Architecture 3. quality System
Application Digital Loan Data Warehouse Support Operation
assurance
4. system
analyst
5.programmer
Squad 3 Squad 7
IT Management Switching Platform Service Desk
Digital Banking Regulatory
Functional (Eksisting), Pool Service Squad 4
Middleware Digital Alliance - Squad... Data Base
Open Bank
Line of Busniness : Development
Dengan Metode Waterfall
Squad : Development Dengan Metode Scrum /
Agile, Melibatkan Bisnis Sebagai Product Owner
Squad...
Digial Banking
Pemisahan Group It Security
(Second Line Defence)
Berdasarkan struktur organisasi tersebut, Divisi Information Based on the organizational structure, the Information Technology
Technology bank bjb memiliki Pemimpin Divisi Information Division of bank bjb has a Division Leader, 3 (three) Deputy
Technology dan memiliki 3 (tiga) Wakil Pemimpin Divisi Leaders of the Information Technology Division, and 8 (eight)
Information Technology serta terdapat 8 (delapan) Grup, yaitu: Groups, namely:
a. Grup IT Architecture & Governance; a. Grup IT Architecture & Governance;
b. Grup Corporate Services; b. Grup Corporate Services;
c. Grup Application Management; c. Grup Application Management;
d. Grup Digital Business; d. Grup Digital Business;
e. Grup Business Intelligence, Analytic & Regulatory; e. Grup Business Intelligence, Analytic & Regulatory;
f. Grup Backend Management; f. Grup Backend Management;
g. Grup Helpdesk & Support; g. Grup Helpdesk & Support;
h. Grup Operation Management DC. h. Grup Operation Management DC.
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2. Struktur Organisasi Divisi IT Security 2. Organizational Structure of The IT Security Division
Struktur Organisasi Divisi Information Technology Security Based on the Director’s Decree No. 0196/SK/DIR-PST/2023
berdasarkan Surat Keputusan Direksi No. 0196/SK/DIR- dated June 19, 2023, regarding the Organizational Structure
PST/2023 tanggal 19 Juni 2023 Tentang Struktur Organisasi of PT Bank Pembangunan Daerah Jawa Barat dan Banten,
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Tbk., the Information Technology Division’s organizational
structure is as follows.
a. Organizational Structure a. Organizational Structure
IT, Treasury & International Banking
IT Security
IT Security IT Security
Opration Architecture & Governance
b. Functional Structure b. Functional Structure
Pemimpin Divisi II
security
Group IT Security Group IT Security
Opration Achitecture & Governance
Identify, IT Security
IT Security IT Security IT Security
Application Arcitechture &
Service Opraton Governance
& Data Protection Planning
Berdasarkan Struktur organisasi, Divisi IT Security bank bjb di Based on the organizational structure, the IT Security Division of
memiliki 2 (dua) Grup, yaitu: bank bjb has 2 (two) Groups, namely:
a. Grup IT Security Operation a. Grup IT Security Operation
b. Grup IT Security Architecture & Governance b. Grup IT Security Architecture & Governance
3. Sertifikasi SDM Divisi Information Technology & Divisi 3. Certification of Human Resources in the Information
Information Technology Security Technology Division & Information Technology Security
Division
a. ITIL Foundation. a. ITIL Foundation.
b. ITIL Intermediate – Service Operation. b. ITIL Intermediate – Service Operation.
c. Certified Ethical Hacker (CEH). c. Certified Ethical Hacker (CEH).
d. VMware Certified Professional (VCP) V5. d. VMware Certified Professional (VCP) V5.
e. Certified Data Center Professional (CDCP. e. Certified Data Center Professional (CDCP.
f. International Software Testing Qualifications Board (ITQSB). f. International Software Testing Qualifications Board (ITQSB).
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g. System Application and Processing (SAP) Fundamental 01. g. System Application and Processing (SAP) Fundamental 01.
h. Certified Big Data Analyst. h. Certified Big Data Analyst.
i. Cisco Certified Network Associate (CCNA). i. Cisco Certified Network Associate (CCNA).
j. Cisco Certified Network Professional (CCNP). j. Cisco Certified Network Professional (CCNP).
k. Mikrotik. k. Mikrotik.
l. Oracle Cloud Infrastructure (OCI) Certified Foundation l. Oracle Cloud Infrastructure (OCI) Certified Foundation
Associate. Associate.
m. Computer Hacking Forensic Investigator (CHFI). m. Computer Hacking Forensic Investigator (CHFI).
n. EC-Council Certified Security Analyst (ECSA). n. EC-Council Certified Security Analyst (ECSA).
Pengungkapan Mengenai Mitra Bisnis yang Mendukung
Divisi Information Technology
Disclosure About Business Partners Supporting the
Information Technology Division
Dalam mendukung kestabilan layanan teknologi informasi To support the stability of bank bjb’s information technology
bank bjb agar selalu dapat tersedia untuk memberikan layanan services, ensuring they are always available to provide the best
terbaik kepada nasabah, bank bjb didukung oleh mitra bisnis service to customers, bank bjb is supported by reliable business
yang terpercaya, di mana mitra bisnis tersebut terbagi menjadi partners. These partners are divided into several aspects, namely:
beberapa aspek yaitu:
1. Dalam mendukung operasional terkait transaksi nasabah 1. To support operations related to customer transactions through
melalui ATM, bank bjb bekerja sama dengan Artajasa, Rintis ATMs, bank bjb collaborates with Artajasa, Rintis, and Jalin,
dan Jalin sehingga nasabah dapat bertransaksi di ATM lain allowing customers to conduct transactions at ATMs other than
selain ATM milik bank bjb di mana saja dan kapan saja. those owned by bank bjb, anywhere and anytime.
2. Dalam memperkaya layanan yang diberikan bank bjb melalui 2. To enrich the services provided by bank bjb through electronic
electronic channel, bank bjb bekerja sama dengan beberapa channels, bank bjb works with several business partners related
mitra bisnis terkait transaksi pembayaran antara lain Badan to payment transactions, including Regional Revenue Agencies
Pendapatan Daerah (Bapenda), Pendidikan seperti universitas, (Badan Pendapatan Daerah - Bapenda), educational institutions
PDAM, PLN, Provider Telekomunikasi (seperti Telkom, such as universities, PDAM (Regional Drinking Water Company),
Telkomsel, Indosat) dan sebagainya. PLN (State Electricity Company), Telecommunication Providers
(such as Telkom, Telkomsel, Indosat), and others.
3. Untuk mendukung layanan perbankan yang “real time on line” 3. To support banking services that are “real time on line” bank
bank bjb didukung oleh Network Provider yaitu Lintas Arta, bjb is supported by Network Providers namely Lintas Arta,
Telkom, Icon+, Jabar Telematika, iForte, Biznet dan Link Net. Telkom, Icon+, Jabar Telematika, iForte, Biznet and Link Net.
4. Perseroan juga bekerja sama dengan beberapa perguruan 4. The company also cooperates with several universities to serve
tinggi untuk melayani pembayaran bagi mahasiswanya. payments for students.
5. Perseroan juga bekerja sama dengan Multifinance untuk 5. The company also collaborates with Multifinance companies
melayani pembayaran cicilan melalui bank bjb. to facilitate installment payment services through bank bjb.
6. Perseroan telah memiliki sertifikasi Open API SNAP Bank 6. The company has obtained the Bank Indonesia SNAP Open API
Indonesia yang dapat dimanfaatkan untuk melakukan kerja certification, which can be utilized to facilitate collaborations
sama dengan pihak ketiga. with third parties.
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Implementasi Proyek Divisi Information Technology
Information Technology Division Project Implementation
Proyek Divisi Information Technology telah disusun dan The Information Technology Division’s projects have been
direncanakan dalam Rencana Bisnis Bank (RBB) pada awal tahun organized and planned in the Bank’s Business Plan (RBB) at the
dan merupakan Implementasi dari Rencana Strategis Teknologi beginning of the year and represent the implementation of the
Informasi/Information Technology Strategic Plan (ITSP) yang Information Technology Strategic Plan (ITSP), which is always
senantiasa selaras dengan Strategi Bisnis bank bjb sehingga aligned with bank bjb’s Business Strategy so that business
tujuan bisnis dapat tercapai. Untuk menjawab ketersediaan sistem objectives can be achieved. To address the need for an Information
Teknologi Informasi yang aman, cepat handal dan selaras dengan Technology system that is secure, fast, reliable, and in alignment
kebutuhan bisnis, bank bjb memperkuat kehandalan infrastruktur with business needs, bank bjb strengthens the reliability of its
teknologi Informasi dengan melakukan penambahan dan/atau Information Technology infrastructure by making additions and/
perubahan di dalamnya serta melakukan digitalisasi pada suatu or changes within it and digitizing certain business processes
proses bisnis di bank bjb untuk mendukung kebutuhan bisnis dan at bank bjb to support business needs and bank bjb’s business
perkembangan bisnis bank bjb. development.
Untuk memastikan kelancaran operasional secara berkelanjutan, To ensure continuous smooth operation, the Information
Divisi Information Technology turut melakukan penyempurnaan Technology Division also made improvements to policies and
pada kebijakan dan prosedur bidang Teknologi Informasi yang procedures in the field of Information Technology in line with the
sejalan dengan strategi, hukum, regulasi dan bisnis bank bjb. bank bjb strategies, laws, regulations and business. There were
Terdapat 246 (dua ratus empat puluh enam) proyek aplikasi dan 246 (two hundred and forty six) application projects that had
infrastruktur yang telah berjalan sepanjang tahun 2023 baik been implemented throughout 2023, both new applications and
teknologi/inovasi baru maupun pengembangan dan perubahan development and changes to existing applications. Some examples
dari sistem informasi/infrastruktur teknologi informasi yang telah of projects implemented for the last 1 (one) year were as follows:
ada. Beberapa contoh proyek yang telah diimplementasikan
selama 1 (satu) tahun terakhir antara lain:
1. Pengembangan Kartu Kredit Indonesia (KKI); 1. Development of Indonesian Credit Card (KKI);
2. Pengembangan Aplikasi New Loan Management System 2. Development of New Loan Management System (LMS)
(LMS); application;
3. Pengembangan Aplikasi LMS Channeling Versi MobileView & 3. Development of LMS Channeling MobileView version & App
App Mobile; Mobile application;
4. Pengembangan Smart Mobile Banking bank bjb; 4. Development of bank bjb Smart Mobile Banking;
5. Implementasi Layanan Cloud bank bjb; 5. Implementation of bank bjb’s Cloud Services;
6. Pengembangan dan Implementasi Fraud Detection System 6. Development and Implementation of bank bjb’s Fraud
(FDS) bank bjb; Detection System (FDS);
7. Pengembangan dan Implementasi Robotic Process 7. Development and Implementation of Robotic Process
Automation (RPA); Automation (RPA);
8. Implementasi Application Performance Monitoring (APM) 8. Implementation of bank bjb’s Application Performance
bank bjb; Monitoring (APM);
9. Pengembangan Aplikasi e-Care e-Channel dan Non e-Channel; 9. Development of e-Care e-Channel and Non e-Channel
Application;
10. Pengembangan Dashboard KPR dan KKB; 10. Development of Dashboard KPR and KKB;
11. Pengembangan dan Implementasi bjb Prestasiku Mobile; 11. Development and Implementation of bjb Prestasiku Mobile;
12. Pengembangan Aplikasi Pembukaan Akses Kode Bayar Pajak 12. Development of the Motor Vehicle Tax Payment Code Access
Kendaraan Bermotor pada Pihak Ketiga; Opening Application for Third Parties;
13. Pengembangan Aplikasi RoboSLIK; 13. Development of RoboSLIK Application;
14. Pengembangan Produk Kredit bjb Kredit GUNA Bhakti 14. Development of bjb Credit Products for Civil Servants (KGB
Pinjaman ASN (KGB PISAN); PISAN);
15. Project Integrasi Pembayaran Pajak PBB – bjb FAST; 15. Integration Project for Property Tax Payments – bjb FAST;
16. Pengembangan Aplikasi E-form bank bjb. 16. Development of bank bjb E-form Application.
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Pengendalian Risiko Operasional
Operational Risk Control
Dalam melakukan pengendalian risiko operasional di bank bjb In implementing operational risk control in bank bjb’s Information
di sisi teknologi informasi, Divisi Information Technology telah Technology, the Information Technology Division has taken
melakukan beberapa langkah pengendalian di antaranya: several control measures, including::
1. bank bjb saat ini memiliki lokasi alternatif yang bersifat high 1. Bank bjb currently has an alternative location with a high-
availability active-active data center dengan infrastruktur yang availability, active-active data center equipped with equivalent
setara. infrastructure.
2. Melakukan assessment terhadap risiko yang terdapat 2. Regularly conducting risk assessments on the Information
pada Divisi Information Technology secara berkala dan Technology Division and documenting them in the Risk
didokumentasikan dalam Risk Assessment Divisi Information Assessment for the Information Technology Division.
Technology.
3. Melakukan proses uji coba Disaster Recovery Plan (DRP) secara 3. Periodically testing the Disaster Recovery Plan (DRP) to ensure
berkala untuk memastikan sistem dan infrastruktur teknologi that the information technology system and infrastructure in
informasi di area recovery/area alternatif dapat berjalan dan the recovery/alternative area can operate and provide services
melakukan operasional dalam memberikan layanan kepada to customers. This process also aims to prevent, detect, and
nasabah dan juga dalam angka mencegah, mendeteksi take corrective action against potential risks identified in the
dan melakukan corrective action atas potensi risiko yang alternative information technology area.
teridentifikasi pada area alternatif teknologi informasi.
4. Melakukan proses uji coba Business Continuity Plan (BCP) 4. Periodically conducting Business Continuity Plan (BCP) testing
secara berkala di Divisi Information Technology dalam rangka in the Information Technology Division to prevent, detect, and
mencegah, mendeteksi dan melakukan corrective action atas take corrective action against identified potential risks.
potensi risiko yang teridentifikasi.
Sedangkan pada IT security, Divisi IT Security menjalankan Regarding IT security, the IT Security Division implements various
beberapa proses pengendalian antara lain: control processes, including:
a. Program Security Awareness untuk menumbuhkan kesadaran a. Security Awareness programs to cultivate awareness
mengenai keamanan informasi dalam perilaku sehari-hari of information security in everyday behavior, ultimately
yang pada akhirnya menjadi budaya (culture) Perseroan. Selain fostering a corporate culture. Additionally, routine security
itu, dilaksanakan juga program campaign security awareness awareness campaigns are conducted through various media
rutin dalam berbagai media yaitu Wallpaper Desktop, Short such as Desktop Wallpapers, Short Message Services (SMS),
Message Services (SMS), Whatsapp, Instagram, Twitter, email Whatsapp, Instagram, Twitter, email, and others.
dan lainnya.
b. Melaksanakan penetration testing secara berkala pada sistem b. Conducting periodic penetration testing on application
aplikasi ataupun infrastruktur Teknologi Informasi, dengan systems or Information Technology infrastructure, simulating
melakukan serangkaian simulasi serangan untuk menemukan attacks to discover security system vulnerabilities with the goal
celah-celah keamanan sistem dengan tujuan mengidentifikasi of identifying security weaknesses.
kerentanan keamanan.
c. Menjalankan monitoring terhadap keamanan sistem bank bjb c. Monitoring the security of bank bjb’s systems using a Security
dengan pemanfaatan Security Operation Center (SOC) dan Operation Center (SOC) and implementing SIEM applications
mengimplementasikan aplikasi SIEM dalam proses deteksi in the incident detection process.
insiden siber.
d. Menerapkan antivirus pada endpoint bank bjb dan Network d. Implementing antivirus software on bank bjb’s endpoints and
Detection Response (NDR) yang dilakukan update secara Network Detection Response (NDR) with regular updates.
berkala.
e. Menjalankan pengujian keamanan siber secara berkala e. Conducting periodic cybersecurity testing, including red
yaitu dengan menjalankan red teaming dan juga phishing teaming and phishing campaigns.
campaign.
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Sertifikasi Sistem Teknologi Informasi
Certification of Information Tecnology System
Sampai dengan tahun 2023, bank bjb telah memperoleh berbagai Until 2023, bank bjb obtained various Information Technology
sertifikasi Sistem Teknologi Informasi sebagai berikut: System certifications as follows:
1. International Organization for Standardization (ISO) 20000- 1. The International Organization for Standardization (ISO) 20000-
1:2018 merupakan suatu standar Internasional dalam 1:2018 is an international standard for the implementation of
penerapan Sistem Manajemen Layanan Teknologi Informasi. Information Technology Service Management Systems.
2. International Organization for Standardization (ISO) 2. International Organization for Standardization (ISO)
27001:2022 merupakan suatu standar Internasional dalam 27001:2022 merupakan suatu standar Internasional dalam
menerapkan Sistem Manajemen Kemanan Informasi. menerapkan Sistem Manajemen Kemanan Informasi.
3. Payment Card Industry Data Security Standard (PCI DSS) 3. Payment Card Industry Data Security Standard (PCI DSS)
4. National Standard Indonesia Chip Card Specification (NSICCS) 4. National Standard Indonesian Chip Card Specification
yaitu sebuah standar teknologi yang digunakan oleh Bank (NSICCS) is a technology standard used by Bank Indonesia
Indonesia sebagai standar teknologi untuk Alat Transaksi as a technology standard for Card-Using Transaction Devices
Menggunakan Kartu (ATMK). NSICCS merupakan sebuah (ATMK). NSICCS is a technology migration for magnetic
migrasi teknologi untuk kartu berbasis magnetik stripe ke kartu stripe-based cards to chip technology cards. The use of the
berteknologi chip. Penggunaan kartu yang dimaksud disini cards referred here is for ATM or debit cards that have used
adalah untuk kartu ATM atau debit yang sudah menggunakan chip technology and that have gone through a certification
teknologi chip dan yang sudah melalui proses sertifikasi yang process carried out through functional tests and security tests.
dilakukan melalui functional test dan security test.
5. National Payment Gateway (NPG). Sebagai upaya 5. National Payment Gateway (NPG). In an effort to improve
meningkatkan efisiensi dalam penyelenggaraan sistem efficiency in the operation of retail and micro payment
pembayaran ritel dan mikro, Bank Indonesia mendorong systems, Bank Indonesia is encouraging the retail and micro
industri sistem pembayaran ritel dan mikro untuk payment system industry to develop the National Payment
mengembangkan National Payment Gateway (NPG). NPG Gateway (NPG). NPG is a national switching for various
merupakan suatu switching nasional untuk berbagai interbank transactions carried out through delivery channels
transaksi antar bank yang dilakukan melalui delivery channel such as: ATM, EDC, internet, telephone and mobile payment.
seperti ATM, EDC, internet, telepon, dan mobile payment. This national payment system allows non-cash payment
Sistem pembayaran nasional ini memungkinkan transaksi transactions to be processed domestically.
pembayaran non tunai dapat diproses di dalam negeri.
6. Sertifikasi VISA 6. VISA Certification
7. Sertifikasi QR Code Indonesia Standard (QRIS) 7. Indonesia Standard QR Code (QRIS) Certification
8. Standar Nasional Open API Pembayaran (SNAP) adalah 8. The National Payment Open API Standard (SNAP) became a
seperangkat protokol dan instruksi yang ditetapkan oleh set of protocols and instructions stipulated by Bank Indonesia
Bank Indonesia dalam proses interkoneksi antar aplikasi yang in the process of interconnection among applications used
digunakan oleh penyelenggara berdasarkan perjanjian kerja by operators based on cooperation agreements between
sama antara penyedia layanan dan pengguna layanan dalam service providers and service users in processing payment
pemrosesan transaksi pembayaran. transactions.
9. Sertifikasi Jaringan Switching antara lain: 9. Network Switching Certifications included:
a. PT Artajasa Pembayaran Elektronik (Artajasa) merupakan a. PT Artajasa Electronic Payment (Artajasa) became a
sebuah perusahaan pelopor sistem pembayaran elektronik pioneer of electronic payment systems in Indonesia and
di Indonesia dan prinsipal ATM Bersama yang merupakan the principal of ATM Bersama which had the largest
jaringan Switching terbesar di Indonesia, yang telah Switching network in Indonesia, which had been
terhubung dengan banyak institusi, baik Bank maupun connected to many institutions, both Banks and nonBank
lembaga non-Bank; institutions;
b. PT Rintis Sejahtera (Rintis) merupakan penyedia layanan b. PT Rintis Sejahtera (Rintis) was a satellite communication
komunikasi satelit yang mengirimkan informasi digital service provider that transmitted digital domestic and
domestik dan internasional; international information;
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TEKNOLOGI
INFORMASI
c. Visa merupakan perusahaan teknologi pembayaran c. Visa became a global payments technology company
global yang menghubungkan konsumen, bisnis, bank that connected consumers, businesses, banks and
dan pemerintahan di lebih dari 200 negara dan teritori governments in more than 200 countries and territories
untuk menyediakan pembayaran elektronik yang cepat, to provide fast, secure and reliable electronic payments;
aman dan terpercaya;
d. PT Jalin Pembayaran Nusantara (JALIN) merupakan d. PT Jalin Payments Nusantara (JALIN) was a switching
jaringan switching yang dikembangkan bank BUMN atau network developed by SOE banks or Himbara banks
bank Himbara meliputi Bank Mandiri, BRI, BNI dan BTN. including Bank Mandiri, BRI, BNI and BTN.
Strategi Pengembangan Teknologi Informasi ke Depan
Strategies for Future Information Technology (IT) Development
Pesatnya perkembangan Teknologi Informasi dan Digitalisasi The rapid development of Information Technology (IT) and
saat ini dengan munculnya tren Teknologi terbaru di yang digitalization, marked by emerging technology trends, significantly
dapat berdampak bagi mendukungnya perkembangan bisnis impacts business development, especially in the banking sector.
khususnya bagi sektor perbankan. Selain itu, perkembangan In addition, the evolution of banking regulations and strategic
regulasi dan strategi regulasi perbankan menjadi salah satu faktor regulatory approaches is a key factor for companies in advancing
Perseroan dalam melakukan perkembangan Teknologi Informasi IT and digitalization initiatives. A primary focus for companies
dan digitalisasi. Salah satu fokus Perseroan dalam melakukan in pursuing digitalization is to develop future IT technologies,
digitalisasi yaitu melakukan pengembangan Teknologi Informasi including new technologies, IT infrastructure, and software
kedepan disisi Teknologi baru, infrastruktur Teknologi Informasi development. The strategies for future IT development include:
maupun disisi software. Adapun strategi pengembangan
Teknologi Informasi ke depan adalah sebagai berikut:
1. Mengimplementasikan Teknologi terkini yang dapat 1. Adopting cutting-edge technologies that can impact the business,
berdampak bagi bisnis, nasabah dan internal bank bjb; customers, and internal operations of bank bjb positively;
2. Meningkatkan Efisiensi proses pekerjaan dengan menerapkan 2. Enhancing Work Process Efficiency by applying automation
otomatisasi dan simplifikasi terhadap aktivitas bisnis yang and simplification to repetitive and manual business activities;
bersifat repetitive dan manual;
3. Meningkatkan Efektifitas dan ketepatan pengambilan keputusan 3. Enhancing the effectiveness and precision of the company’s
bisnis Perseroan yang berlandaskan corporate data driven; business decision-making based on corporate data-driven
principles;
4. Peningkatan kemampuan dan kehandalan dalam infrastruktur 4. Improving the capability and reliability of Information
Teknologi Informasi guna memberikan service excellence Technology infrastructure to provide service excellence in
dalam mendukung ekspansi bisnis bank bjb yang berdaya supporting the competitive expansion of bank bjb’s business,
saing dan setara dengan Perseroan besar nasional; aligning with national major corporations;
5. Kolaborasi dengan pihak ketiga untuk pengembangan 5. Collaboration with third parties for the development of
Layanan dan Teknologi Informasi di bank bjb. Services and Information Technology at bank bjb.
Di sisi keamanan teknologi, strategi pengembangan keamanan In terms of technology security, the strategy for future security
teknologi bank bjb ke depan telah direncanakan dan disusun sesuai development at bank bjb has been planned and organized in
dengan ITSP yang sudah ditetapkan. Security Architecture dibagi line with the established IT Strategic Plan (ITSP). The Security
berdasarkan 3 (tiga) pilar yang meliputi (tata kelola, perlindungan Architecture is divided into three pillars: governance, protection,
dan operasi). Keamanan informasi adalah aspek utama pada upaya and operations. Information security is a critical aspect of efforts
untuk menjaga aset informasi pada suatu organisasi. Untuk dapat to safeguard an organization’s information assets. To continue the
melanjutkan keberlangsungan Visi TI bank bjb, pengembangan IT vision of bank bjb, the development of IT security in 2024 will
keamanan TI pada tahun 2024 akan selalu berorientasi pada rencana always be oriented towards the strategic IT plan. This is realized
strategis TI. Hal tersebut diwujudkan dengan implementasi teknologi through the implementation of technologies with high capacity,
yang memiliki kapasitas, skalabilitas dan fleksibilitas tinggi dengan scalability, and flexibility by modernizing IT security support
melakukan modernisasi pada perangkat penunjang keamanan TI. devices. Fulfilling fundamental aspects of IT security is critical to
Pemenuhan aspek fundamental keamanan TI menjadi sangat kritikal ensure the sustainability of IT development execution.
untuk memastikan sustainability eksekusi pengembangan TI.
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INFORMATION
TECHNOLOGY
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TATA KELOLA
PERUSAHAAN
TATA KELOLA PERUSAHAAN
Corporate Governance
08
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TATA KELOLA
PERUSAHAAN
Pencapaian Dalam Penerapan Tata Kelola
Perusahaan
Achievements in the Implementation of Corporate Governance
Penilaian atas penerapan GCG Penilaian atas penerapan GCG Otoritas Jasa Keuangan selaku
melalui ASEAN Corporate oleh The Indonesian Institue pengawas melakukan penilaian
Governance Scorecard (ACGS) for Corporate Governance (IICG) Tingkat Kesehatan Bank terhadap
dengan hasil nilai skor 99,32 atau melalui penilaian Corporate bank bjb semester I Tahun 2023
predikat “Very Good”. Governance Perception Index (CGPI) dengan hasil komposit dinilai Sehat
dengan hasil nilai skor 87,03 atau atau peringkat Komposit 2 (PK-2).
predikat Indonesia Most Trusted
Companies (Sangat Tepercaya)
The assessment of the GCG The assessment of the GCG The Financial Services Authority
application through ASEAN application by The Indonesian as the supervisor conducts a Bank
Corporate Govenance Scorecard Institue for Corporate Governance Soundness Level assessment of
(ACGS) worth the score of 99,32 (IICG) through the assessment bank bjb in 2023 with composite
labelled as “Very Good.” of the Corporate Governance results assessed as Healthy or
Perception Index (CGPI) with a Composite rating 2 (PK-2).
score of 87,03 or the Indonesia
Most Trusted Companies (Highly
Trusted).
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CORPORATE
GOVERNANCE
Dasar Penerapan Tata Kelola Perusahaan
Basic Application of Corporate Governance
Komitmen Perseroan untuk menerapkan prinsip-prinsip Tata Kelola The Company commitment to implement the principles of Good
Perusahaan yang baik mengacu kepada beberapa ketentuan yang Corporate Governance refers to several applicable provisions,
berlaku, antara lain: including:
1. Undang-Undang Republik Indonesia No. 10 tahun 1998 1. Law of the Republic of Indonesia No. 10 of 1998 concering
tentang Perubahan atas Undang-undang No. 7 tahun 1992 Amendments to Law No. 7 of 1992 about Banking.
tentang Perbankan.
2. Undang-Undang Republik Indonesia No. 40 tahun 2007 2. Law of the Republic of Indonesia No. 40 of 2007 concering
tentang Perseroan Terbatas. Limited Liability Companies.
3. Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang 3. OJK Regulations No. 17 of 2023 concerning Implementation
Penerapan Tata Kelola Bagi Bank Umum. of Governance for Commercial Banks.
4. Surat Edaran Otoritas Jasa Keuangan No. 32/SEOJK.04/2015 4. OJK Circullar Letters No. 32/SEOJK.04/2015 concering Public
tentang Tata Kelola Perusahaan Terbuka. Company Governance.
5. Peraturan Otoritas Jasa Keuangan No. 17/POJK.03/2014 5. OJK Regulations No. 17/POJK.03/2014 concering the
tentang Penerapan Manajemen Risiko Terintegrasi Bagi Implementation of Integrated Risk Management for Financial
Konglomerasi Keuangan. Conglomerates.
6. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2014 6. OJK Regulations No. 18/POJK.03/2014 concering the
tentang Penerapan Tata Kelola Terintegrasi Bagi Konglomerasi Implementation of Integrated Governance for Financial
Keuangan. Conglomerates.
7. Peraturan Otoritas Jasa Keuangan No. 8/POJK.04/2015 7. OJK Regulations No. 8/POJK.04/2015 concering Issuer’s or
tentang Situs Web Emiten atau Perusahaan Publik. Public Companies’ Websites.
8. Peraturan Otoritas Jasa Keuangan No. 31/POJK.04/2015 8. OJK Regulations No. 31/POJK.04/2015 concering Governance
tentang Keterbukaan atas Informasi atau Fakta Material oleh Determination for Commercial Banks.
Emiten atau Perusahaan Publik.
9. Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 9. OJK Circullar Letters No. 13/SEOJK.03/2017 concering the
tentang Penerapan Tata Kelola Bagi Bank Umum. Implementation of Governance for Commercial Banks.
Selain ketentuan yang diharuskan dari berbagai peraturan In addition to the conditions required by the various laws and
perundang-undangan di atas, bank bjb juga mendasarkan pada regulations above, bank bjb also bases on the guidelines for
pedoman-pedoman implementasi GCG sebagai berikut: implementing GCG as follows:
1. Prinsip-prinsip Corporate Governance yang dikembangkan 1. Principles of Corporate Governance developed by the
oleh Organization for Economic Cooperation and Organization for Economic Cooperation and Development
Development (OECD). (OECD).
2. ASEAN Corporate Governance Scorecard. 2. ASEAN Corporate Governance Scorecard.
3. Pedoman GCG Indonesia yang dikembangkan oleh Komite 3. Indonesian Corporate Governance Guidelines (PUGKI)
Nasional Kebijakan Governance (KNKG). developed by the National Governance Policy Committee
(KNKG).
4. Pedoman GCG Perbankan Indonesia yang dikembangkan 4. Indonesian Banking GCG Guidelines developed by the
oleh Komite Nasional Kebijakan Governance (KNKG). National Governance Policy Committee (KNKG).
5. Principles for Enhancing Corporate Governance yang 5. Principles for Enhancing Corporate Governance published by
diterbitkan oleh Basel Committee on Banking Supervision. the Basel Committee on Banking Supervision.
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TATA KELOLA
PERUSAHAAN
Struktur dan Mekanisme Tata Kelola
Perusahaan
Corporate Governance Structure and Mechanism
Berdasarkan Undang-Undang Republik Indonesia Nomor 40 tahun Based on the Law of the Republic of Indonesia Number 40 of
2007 tentang Perseroan Terbatas (UU PT), Organ Perseroan terdiri 2007 about Limited Liability Companies (PT Law), the Company’s
dari Rapat Umum Pemegang Saham (RUPS), Dewan Komisaris dan Organs consist of General Meeting of Shareholders (GMS), Board
Direksi. Sistem kepengurusan menganut sistem dua badan (two of Commissioners, and Directors. The management system
tier system) yaitu Dewan Komisaris dan Direksi, yang memiliki follows a two-tier system, namely the Board of Commissioners
wewenang dan tanggung jawab yang jelas sesuai fungsinya and the Directors, which has clear authority and responsibilities
masing-masing sebagaimana diamanahkan dalam anggaran dasar following their respective functions as mandated in the articles of
dan peraturan perundang-undangan. association and legislation.
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CORPORATE
GOVERNANCE
Struktur Organ Perusahaan Organ Structure of The Company
Dalam melaksanakan kepengurusan bank bjb, Direksi didukung In carrying out the management of the bank bjb, the Directors is
oleh struktur organisasi yang terdiri dari organ utama dan organ supported by an organizational structure consisting of the main
pendukung sehingga manajemen dapat melaksanakan tugas organs and supporting organs so that management can conduct
secara efektif. Adapun dalam melaksanakan fungsi pengawasan its duties effectively. In conducting its supervisory and advisory
dan pemberian nasihat, Dewan Komisaris didukung oleh organ functions, the Board of Commissioners is supported by supporting
penunjang yaitu Sekretaris Dewan Komisaris, Komite Audit, organs namely the Secretary of the Board of Commissioners,
Komite Pemantau Risiko, Komite Nominasi dan Remunerasi dan the Audit Committee, the Risk Monitoring Committee, the
Komite Tata Kelola Terintegrasi. Nomination and Remuneration Committee and the Integrated
Governance Committee.
Komite Manajemen
Risiko
Risk management
Committee
Komite Risiko Komite Audit
Permodalan Audit Committee
Capital Risk Committee
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Komite Kebijakan Komite Nominasi &
Perkreditan Remunerasi
Credit policy Comittee Nomination &
Remuneration Committe
Dewan Komisaris
Asset & Liability
Board of Commisioners
Committee Komite Pemantau
Asset & Liability Risiko
Committee Direksi Risk monitoring
Directors Committee
Komite Pengarah
Teknologi Informasi
IT Steering Committee Komite Tata Kelola
Terintegrasi
Integrated Governance
Komite Manajemen Committee
Risiko Terintegrasi
Integrated Risk
Management Comittee
Unit Sekretaris
Kerja Bisnis dan Supporting Audit Kepatuhan Manajemen Risiko
Perusahaan
Business and Supporting Work Audit Compliance Risk Management
Company Secretary
Unit
Governance Soft Structure Governance Soft Structure
Dalam menerapkan tata kelola perusahaan yang baik, In implementing good corporate governance, the Company has
Perseroan memilki Arsitektur Kebijakan dan Prosedur adalah an Architecture of Policies and Procedures is an overall framework
suatu kerangka menyeluruh yang menggambarkan hirarki/tata that describes the hierarchy/order and grouping of policies and
urutan dan pengelompokkan kebijakan dan prosedur dengan procedures based on governance, Risk and Compliance (GRC)
dilandasi governance, Risk and Compliance (GRC) serta etika and ethics that are implemented in an integrated manner as the
yang diimplementasikan secara terintegrasi sebagai arah dan direction and implementation of achieving the Company’s goals to
pelaskanaan pencapaian tujuan Perusahaan agar lebih efisien dan be more efficient and effective.
efektif.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 625
Page 117
TATA KELOLA
PERUSAHAAN
BUSSINESS ETHIC CODE OF CONDUCT
KNIS / TECHNICA
UK TE
UNJ
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PET N K ERJA / PRODUCT UC
M A M TIO
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GOVERNANCE RISK CORPORATE CULTURE
COMPLIANCE
Anggaran Dasar-Keputusan RUPS / Articles of Association - GMS Resolutions
1
Kebijakan Umum / Public policy
• Kebijakan Tata Kelola Perusahaan / Corporate Governance Policy (Good Corporate Governance)
• Kebijakan Manajemen Risiko / Risk Management Policy
• Kebijakan Sistem Pengendalian Internal / Internal Control System Policy
2 Kebijakan Spesifik / Specific Policy
• Kebijakan Aktivitas Usaha Bisnis / Business Activities Policy
• Kebijakan Aktivitas Pendukung Usaha Bisnis / Business Support Activities Policy
3 Standar Operasional Prosedur / Standard Operating Procedure
4 Manual Produk/Pedoman Kerja / Product Manual/Work Manual
5 Petunjuk Teknis / Technical instructions
GO
VER
NA
NCE 6 URE
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KC
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PLIA POR
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(GR COR
C)
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CORPORATE
GOVERNANCE
Arsitektur Kebijakan dan Prosedur bertujuan untuk: The Architecture of Policies and Procedures aims to be:
1. Sebagai upaya penyesuaian antara jenis, hirarki dan materi 1. An effort to adjust between types, hierarchy and material
muatan dari kebijakan dan prosedur Bank. content of Bank policies and procedures.
2. Sebagai pelaksanaan prinsip kehati-hatian (prudential 2. A prudential banking principle based on Governance, Risk and
banking) dengan berpedoman pada Governance, Risk and Compliance (GRC), Business Ethics and Code of Conduct.
Compliance (GRC), Business Ethic serta Code of Conduct.
Perseroan telah memiliki governance soft structure yang The Company has a governance soft structure which is the
merupakan ketentuan-ketentuan yang telah ditetapkan oleh provisions stipulated by the Board of Commissioners and Directors
Dewan Komisaris dan Direksi guna mengimplementasikan prinsip- to implement GCG principles at all levels of the organization,
prinsip GCG pada seluruh jenjang organisasi, antara lain: including:
1. Anggaran Dasar Perseroan 1. The Company’s Articles of Association
2. Kebijakan Tata Kelola Perusahaan 2. Company Governance Policy
3. Pedoman dan Tata Tertib Kerja Dewan Komisaris 3. Board of Commissioners Charter
4. Kebijakan Tata Tertib Kerja Direksi 4. Directors Work Procedures Policy
5. Etika Usaha dan Tata Perilaku (Code of Conduct) 5. Business Ethics and Code of Conduct
6. Tata Kerja Pelaporan Pelanggaran (Whistleblowing) 6. Work Procedures for Reporting Violations (Whistleblowing)
7. Pedoman Pengendalian Gratifikasi 7. Gratification Control Guidelines
Mekanisme Tata Kelola Perusahaan Corporate Governance Mechanism
Pemegang Saham Shareholders
Pemegang saham yang dimaksud dalam Anggaran Dasar yaitu Shareholders referred to in the Articles of Association are Series
pemegang saham Seri A dan saham Seri B. Saham Perseroan A and Series B shareholders. The Company’s shares are shares in
adalah saham atas nama dan dikeluarkan atas nama pemiliknya the name and issued in the name of the owners registered in the
yang terdaftar dalam Daftar Pemegang Saham yang terdiri dari Register of Shareholders consisting of Series A and Series B Shares.
Saham Seri A dan Seri B. Pemerintah Pusat, Pemerintah Provinsi, The Central Government, Provincial Governments, City and District
Kota dan Kabupaten memiliki Saham Seri A dan Seri B. Saham Seri have Series A and B Shares. Meanwhile, Series B Shares is owned
B juga dimiliki oleh Direksi, Dewan Komisaris, Karyawan Perseroan by the Directors, Board of Commissioners, Company Employees,
dan Masyarakat. and the Community.
Hak Pemegang Saham Shareholders’ Rights
Saham Seri A adalah saham yang memberikan hak khusus kepada Series A shares are shares which give special rights to their holders
pemegangnya dalam kuorum kehadiran dan kuorum persetujuan in the attendance quorum and the GMS approval quorum as
RUPS sebagaimana diatur dalam Anggaran Dasar. Adapun hak stipulated in the Articles of Association. The rights of Series A
Pemegang Saham Seri A yaitu: Shareholders are:
1. Menghadiri dan menyetujui pengangkatan, pemberhentian 1. Attending and approving the appointment, dismissal and
dan persetujuan pengunduran diri Dewan Komisaris dan approval of the resignation of the Board of Commissioners
Direksi. and Directors.
2. Menghadiri dan menyetujui perubahan Anggaran Dasar 2. Attending and approving amendments to the Articles of
pengeluaran Efek Bersifat atau perubahan Modal Ditempatkan Association for Issuance of Securities or changes in Issued and
dan Disetor. Paid-in Capital.
3. Menghadiri dan menyetujui penyetoran saham dalam bentuk 3. Attending and approving stock deposits in the form of objects
benda selain uang, baik benda berwujud maupun benda tidak other than money, both tangible and intangible objects.
berwujud.
4. Menghadiri dan menyetujui penggabungan, peleburan, 4. Attending and approving the merger, consolidation,
pengambilalihan dan pemisahan serta pengajuan permohonan acquisition and separation and submission of an application
agar Perseroan dinyatakan pailit dan pembubaran Perseroan. so that the Company is declared bankrupt and the liquidation
of the Company.
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TATA KELOLA
PERUSAHAAN
5. Pemegang Saham dapat meminta penyelenggaran RUPS. 5. Shareholders may request the holding of a GMS.
6. Pemegang saham dapat mengusulkan mata acara dalam 6. Shareholders may propose agenda items in the General
RUPS. Pemegang saham yang dapat mengusulkan mata Meeting of Shareholders (RUPS). Shareholders who may
acara rapat adalah 1 (satu) pemegang saham atau lebih yang propose the agenda of the meeting are 1 (one) or more
mewakili 1/20 (satu per dua puluh) atau lebih dari jumlah shareholders representing 1/20 (one-twentieth) or more of
seluruh saham dengan hak suara. the total number of shares with voting rights .
7. Setiap saham memberikan hak kepada pemegang saham 7. Each share gives the right to shareholders to cast 1 (one) vote.
untuk mengeluarkan 1 (satu) suara.
8. Menyetujui Laporan Tahunan dan Laporan Keuangan serta 8. Approve the Annual Report and Financial Reports and
menetapkan penggunaan laba, jika perusahaan mempunyai determine the use of income, if the company has a positive
saldo laba yang positif. income balance.
9. Menetapkan gaji berikut fasilitas dan tunjangan anggota 9. Determine the salaries along with facilities and allowances for
Dewan Komisaris dan Direksi. members of the Board of Commissioners and Directors.
10. Memutuskan perbuatan hukum untuk melakukan transaksi 10. Decide on legal actions to carry out material transactions and
material dan transaksi benturan kepentingan tertentu certain conflict of interest transactions as intended in statutory
sebagaimana dimaksud dalam peraturan perundang- regulations in the capital markets sector.
undangan di bidang pasar modal.
11. Memutuskan perbuatan hukum untuk mengalihkan atau 11. Decide on legal action to transfer or make debt collateral for
menjadikan jaminan utang seluruh atau lebih dari 50% (lima all or more than 50% (fifty percent) of the Company’s net
puluh persen) dari sejumlah kekayaan bersih Perseroan baik assets either in one transaction or several transactions that are
dalam satu transaksi atau beberapa transaksi yang berdiri independent or related to each other, which occur within a
sendiri ataupun yang berkaitan satu sama lain, yang terjadi period of 1 (one) financial year or longer period as regulated
dalam jangka waktu 1 (satu) tahun buku atau jangka waktu in the Company’s Articles of Association.
yang lebih lama sebagaimana diatur dalam Anggaran Dasar
Perseroan.
12. Penunjukan Akuntan Publik dan/atau pemberian kuasa 12. Appointment of a Public Accountant and/or empower the
kepada Dewan Komisaris untuk menunjuk Akuntan Publik Board of Commissioners to appoint a Public Accountant
dengan disertai penjelasan mengenai alasan pemberian kuasa accompanied by an explanation regarding the reasons for
tersebut dan kriteria atau batasan Akuntan Publik. empower and the criteria or limitations of a Public Accountant.
Sepanjang dalam Anggaran Dasar tidak ditetapkan lain, maka As long as the Articles of Association are not stipulated otherwise,
Pemegang Saham Seri A dan Pemegang Saham Seri B mempunyai the Series A Shareholders and Series B Shareholders have the
hak yang sama. same rights.
Kebijakan Hubungan dengan Pemegang Relationship Policies with Shareholders
Saham
Dalam menjalankan hubungan dengan pemegang saham, Relationships with Shareholders are conducted by the Company
perseroan melakukan komunikasi dengan pemegang saham atau by communicating between the Company and shareholders or
investor melalui pemberian informasi laporan keuangan secara investors through periodic financial report information, analyst
berkala, analyst meeting, laporan pelaksanaan GCG, serta laporan meetings, GCG implementation reports, and annual reports.
tahunan. Perseroan telah memiliki kebijakan komunikasi dengan The company has a communication policy with shareholders
pemegang saham atau investor yang diatur dalam SK Direksi or investors which is regulated in the Decree of the Board of
Nomor 0681/SK/DIR-CS/2019 tentang Pedoman Pengelolaan Directors Number 0681/SK/DIR-CS/2019 concerning Guidelines
Aktivitas Pasar Modal. Tujuannya agar para pemegang saham for the Management of Capital Market Activities. The aim is for
atau investor mendapatkan pemahaman lebih jelas atas informasi shareholders or investors to gain a clearer understanding of the
yang telah dipublikasikan kepada masyarakat. information that has been published to the public.
Perlakuan yang Sama Terhadap Pemegang Same Treatment of Shareholders
Saham
Dalam memberikan informasi yang diperlukan oleh investor In providing information needed by investors or shareholders
atau Pemegang Saham (transparansi informasi), Perseroan (transparency of information), the company provides the same
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memberikan perlakuan yang sama terhadap seluruh Pemegang treatment to all shareholders, both majority and minority
Saham, baik pemegang saham Mayoritas maupun Minoritas. shareholders. This is intended so that there is no inside information
Hal ini dimaksudkan agar tidak terdapat informasi pihak dalam that is only known by the majority Shareholders. All Shareholders
(inside information) yang hanya diketahui oleh Pemegang Saham have the same rights in obtaining information related to the
Mayoritas. Seluruh Pemegang Saham memiliki hak yang sama Company. The information dissemination function is conducted
dalam memperoleh informasi terkait Bank. Pelaksanaan fungsi by the Investor Relations section under the Corporate Secretary.
diseminasi informasi tersebut dilakukan oleh bagian Hubungan
Investor (Investor Relations) di bawah Sekretaris Perusahaan
(Corporate Secretary).
Beberapa bentuk pelaksanaan transparansi informasi yang Some forms of information transparency conducted by the
dilakukan Perseroan adalah aktif menyelenggarakan forum-forum Company are active in holding forums for meetings with analysts
pertemuan dengan analis dan investor, melalui paparan publik and investors, through public exposure to ensure information
untuk menjamin keterbukaan informasi dapat dilaksanakan disclosure can be carried out properly. The method used, is as
dengan baik. Metode yang digunakan, adalah sebagai berikut. follows.
1. Direct, yang meliputi Public Expose, Non Deal Road Show, 1. Direct, which includes Public Expose, Non Deal Road Show,
Analyst meeting, Press Conference, 1-on-1 Meetings, Group Analyst meeting, Press Conference, 1-on-1 Meetings, Group
Meetings, Branch Visits dan Site Visits. Meetings, Branch Visits and Site Visits.
2. Indirect, yang meliputi Laporan Tahunan, Laporan Keuangan 2. Indirect, which includes Annual Report, Published Financial
Publikasi (triwulan), Website, Media, Conference Calls dan Reports (quarterly), Website, Media, Conference Calls and
Emails. Emails.
Prinsip dasar yang digunakan oleh Perseroan adalah: The basic principles used by the Company are:
1. Pengungkapan informasi dilakukan secara wajar (fair 1. Information disclosure is conducted fairly (fair disclosure
disclosure information) dengan memperhatikan prinsip information) with due regard to the principle of equality
kesetaraan (equitable treatment) dan transparansi. (equitable treatment) and transparency.
2. Bank maupun Direksi serta pegawai wajib memberikan 2. Companys and Directors and employees are required to
informasi dengan berpegang pada prinsip kehati-hatian provide information by adhering to the principle of prudence
dengan memperhatikan ketentuan kerahasiaan di bidang by observing the provisions of confidentiality in the applicable
perbankan yang berlaku. banking sector.
3. Komunikasi dengan Komunitas Pasar Modal dan Komunitas 3. Communication with the Capital Market Community and
Investor menggunakan kebijakan satu pintu (one door policy). Investor Community uses a one door policy. The Company
Perseroan senantiasa membangun hubungan baik dengan continues to build good relations with investors, analysts
investor, analis maupun masyarakat pasar modal lainnya and other capital market communities through the regular
melalui penyelenggaraan secara berkala kegiatan-kegiatan implementation of activities such as meetings with analysts/
seperti pertemuan dengan analis/investor dalam skala investors/shareholders on a national and international scale
nasional maupun internasional serta paparan kinerja kepada and performance exposure to the public.
publik.
Perseroan senantiasa membangun hubungan baik dengan The Company always builds good relations with investors, analysts
investor, analis maupun masyarakat pasar modal lainnya melalui and other capital market communities through regular organizing
penyelenggaraan secara berkala kegiatan-kegiatan seperti of activities such as meetings with analysts/ investors/shareholders
pertemuan dengan analis/investor dalam skala nasional maupun on a national and international scale and performance exposure
internasional serta paparan kinerja kepada publik. Perseroan juga to the public. The Company also fulfils the obligation to disclose
memenuhi kewajiban keterbukaan informasi sebagaimana yang information as regulated in Indonesian Capital Market regulations
diatur dalam peraturan Pasar Modal Indonesia seperti laporan such as financial reports, annual reports, certain shareholder
keuangan, laporan tahunan, laporan pemegang saham tertentu reports and public exposures.
dan paparan publik.
Perseroan juga telah memberikan akses seluas-luasnya kepada The Company has also provided the widest possible access to
masyarakat umum dan investor untuk memperoleh informasi the general public and investors to obtain information through
melalui situs Perseroan di laman resmi www.bankbjb.co.id. the Company’s website on page www.bankbjb.co.id This site
Situs ini memuat informasi terkini seperti aksi korporasi, laporan contains the latest information such as corporate actions, financial
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keuangan dan company guidance (triwulanan), bahan presentasi reports and company guidance (quarterly), Company presentation
Perseroan ke publik dan kliping media mengenai pemberitaan material to the public and media clippings regarding the Bank’s
Bank. news.
Rapat Umum Pemegang Saham General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) bank bjb terdiri atas RUPS The bank bjb General Meeting of Shareholders (GMS) consists of
Tahunan dan RUPS Luar Biasa. RUPS Tahunan diselenggarakan tiap the Annual GMS and the Extraordinary GMS. The Annual GMS is
tahun paling lambat 6 (enam) bulan setelah tahun buku Perseroan held every year no later than 6 (six) months after the Company’s
ditutup. Sedangkan RUPS Luar Biasa dapat diselenggarakan Financial Year is closed. While Extraordinary GMS can be held at
sewaktu-waktu berdasarkan kebutuhan untuk membicarakan any time based on the need to discuss and decide on the agenda
dan memutuskan mata acara rapat dengan memperhatikan of the meeting by observing the applicable laws and regulations
peraturan perundang-undangan yang berlaku dan Anggaran and the Company’s Articles of Association.
Dasar Perseroan.
Pada saat pelaksanaan RUPS, Perseroan dapat mengundang In the GMS, the Company may invite other parties related to
pihak lain yang terkait dengan mata acara RUPS, Pihak lain the agenda of the GMS. The other parties includes institutions
yang dimaksud antara lain lembaga dan/atau Profesi Penunjang and/or Capital Market Supporting Professionals related to the
Pasar Modal yang terkait dengan penyelenggaraan RUPS dan/ holding of the GMS and/or related to the agenda and meetings of
atau terkait dengan mata acara rapat dan komite yang dimiliki committees owned by the Company.
Perseroan.
Kewenangan RUPS GMS Authority
Kewenangan RUPS meliputi hal-hal sebagai berikut, termasuk The authority of the GMS includes the following matters, including
namun tidak terbatas pada: but not limited to:
1. Mengangkat dan memberhentikan anggota Dewan Komisaris 1. To appoint and dismiss members of the Company’s Board of
dan Direksi Perusahaan. Commissioners and Directors.
2. Menyetujui Laporan Tahunan dan Laporan Keuangan serta 2. Approve the Annual Report and Financial Statements and
menetapkan penggunaan laba, jika perusahaan mempunyai determine the use of profits, if the company has a positive
saldo laba yang positif. profit balance.
3. Menetapkan gaji berikut fasilitas dan tunjangan anggota 3. Determine the salary and facilities and benefits of members of
Dewan Komisaris dan Direksi. the Board of Commissioners and Directors.
4. Memutuskan perbuatan hukum untuk melakukan transaksi 4. Decides legal actions to conduct material transactions and
material dan transaksi benturan kepentingan tertentu certain conflict of interest transactions as referred to in
sebagaimana dimaksud dalam peraturan perundang- legislation in the capital market.
undangan di bidang pasar modal.
5. Memutuskan perbuatan hukum untuk mengalihkan atau 5. Decides legal actions to transfer or guarantee debt in whole
menjadikan jaminan utang seluruh atau lebih dari 50% (lima or more than 50% (fifty percent) of the total net assets of the
puluh persen) dari sejumlah kekayaan bersih Perseroan baik Company either in one transaction or several transactions that
dalam satu transaksi atau beberapa transaksi yang berdiri are independent or related to each other, which occur within
sendiri ataupun yang berkaitan satu sama lain, yang terjadi a period of 1 (one) fiscal year or a longer period of time as
dalam jangka waktu 1 (satu) tahun buku atau jangka waktu stipulated in the Company’s Articles of Association.
yang lebih lama sebagaimana diatur dalam Anggaran Dasar
Perseroan.
6. Menyetujui pengunduran diri anggota Direksi dan anggota 6. Approve the resignation of members of the Directors and the
Dewan Komisaris. Board of Commissioners.
7. Merubah Anggaran Dasar Perseroan. 7. Change the Company’s Articles of Association.
8. Memberikan persetujuan pengeluaran Efek Bersifat Ekuitas/ 8. To approve the issuance of Equity Securities/ Changes in
Perubahan Modal Ditempatkan dan Disetor, serta penyetoran Issued and Paid-Up Capital, as well as the payment of shares.
saham.
9. Memberikan persetujuan penggabungan, peleburan, 9. To approve the merger, consolidation, acquisition, separation
pengambilalihan, pemisahan, pengajuan permohonan agar and submission of an application so that the Company is
Perseroan dinyatakan pailit dan pembubaran Perseroan. declared bankrupt and the liquidation of the Company.
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10. Penunjukan Akuntan Publik dan/atau pemberian kuasa 10. Appointment of a Public Accountant and/or granting power
kepada Dewan Komisaris untuk menunjuk Akuntan Publik of attorney to the Board of Commissioners to appoint a Public
dengan disertai penjelasan mengenai alasan pemberian kuasa Accountant accompanied by an explanation of the reasons
tersebut dan kriteria atau batasan Akuntan Publik. for the power of attorney and the criteria or limitations of the
Public Accountant..
11. Menetapkan pembagian tugas dan wewenang pengurusan 11. Establish the division of tasks and management authority
diantara anggota Direksi. among members of the Directors.
Proses Penyelenggaraan RUPS Process of The GMS
RUPS Tahunan diselenggarakan setiap tahun paling lambat 6 The Annual GMS is held every year no later than 6 (six) months
(enam) bulan setelah tahun buku Perseroan ditutup. Sedangkan after the Company’s Financial Year is closed. Meanwhile, the
untuk RUPS Luar Biasa dapat diselenggarakan sewaktu-waktu Extraordinary GMS can be held at any time based on the needs
berdasarkan kebutuhan Perseroan dengan memperhatikan of the Company by taking into account the applicable laws and
peraturan perundang-undangan yang berlaku dan Anggaran regulations and the Articles of Association.
Dasar.
Tempat Penyelenggaran RUPS The Place of The GMS
RUPS wajib dilakukan di wilayah Republik Indonesia yaitu dapat GMS must be held in the territory of the Republic of Indonesia
diadakan di: which can be held at:
1. Tempat kedudukan Perseroan. 1. The domicile of the Company.
2. Tempat Perseroan melakukan kegiatan usaha utama. 2. Where the Company conducts main business activities.
3. Ibukota Provinsi tempat kedudukan atau tempat kegiatan 3. The Capital of the Province of the domicile or place of the
usaha utama Perseroan. Company’s main business activities.
4. Provinsi tempat kedudukan Bursa Efek atas saham Perseroan 4. The province where the Stock Exchange is domiciled over the
dicatatkan. Company’s shares is listed.
Pengumuman dan Pemanggilan RUPS Announcement and Invitations of GMS
Pengumuman RUPS dilakukan paling lambat 14 (empat belas) Announcement of the GMS is made no later than 14 (fourteen) days
hari sebelum pemanggilan RUPS dengan tidak memperhitungkan before the invitation of the GMS, excluding the announcement
tanggal pengumuman dan tanggal pemanggilan. Perseroan date and the date of the summons. The Company is obliged to
wajib melakukan pemanggilan RUPS kepada Pemegang Saham call the GMS to Shareholders no later than 21 (twenty-one) days
paling lambat 21 (dua puluh satu) hari sebelum RUPS, dengan before the GMS, without considering the date of the invitation
tidak memperhitungkan tanggal pemanggilan dan tanggal RUPS. and the date of the GMS. Announcement and summons are made
Pengumuman dan Pemanggilan RUPS dilakukan dalam Bahasa through Indonesian and English.
Indonesia dan Bahasa Inggris.
Perseroan menyediakan bahan mata acara rapat bagi pemegang The company shall provide meeting agenda materials for
saham sejak tanggal dilakukannya pemanggilan RUPS sampai shareholders from the date of the invitation to the RUPS until
dengan penyelenggaraan RUPS. Dalam hal mata acara RUPS it is held. In the event that the agenda of the RUPS concerned
mengenai pengangkatan Direksi dan/atau anggota Dewan the appointment of members of the Board of Directors and/or
Komisaris, daftar Riwayat hidup calon anggota Direksi dan/atau members of the Board of Commissioners, the curriculum vitae of
Dewan Komisaris yang akan diangkat wajib tersedia pada situs the candidates for members of the Board of Directors and/or the
web Perseroan paling kurang sejak saat pemanggilan sampai Board of Commissioners to be appointed must be available on the
dengan penyelenggaraan RUPS. Company’smwebsite at least from the time of the invitation until
the holding of the RUPS.
Penyelenggaraan RUPS dapat dilakukan atas permintaan 1 (satu) The RUPS may be held at the request of 1 (one) or more
orang atau lebih Pemegang Saham yang mewakili 1/10 (satu shareholders representing 1/10 (one-tenth) or more of the total
per sepuluh) bagian atau lebih dari jumlah seluruh saham yang number of shares issued by the company with voting rights.
ditempatkan oleh Perseroan dengan hak suara.
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Pimpinan, Tata Tertib dan Berita Acara RUPS Chairman, Rules of Procedure and Minutes of
The RUPS
RUPS dipimpin oleh Komisaris Utama, dalam hal Komisaris Utama The RUPS is chaired by the President Commissioner, in the event
tidak hadir atau kosong, maka RUPS dipimpin oleh seorang that the President Commissioner was absent or vacant, the
anggota Dewan Komisaris yang ditunjuk oleh Rapat Dewan RUPS was chaired by a member of the Board of Commissioners
Komisaris. Dalam hal semua anggota Dewan Komisaris tidak hadir appointed by the Board of Commissioners Meeting. In the event
atau kosong, maka RUPS dipimpin oleh salah seorang anggota that all members of the Board of Commissioners were absent or
Direksi yang ditunjuk oleh Direksi. Dalam hal semua anggota vacant, the RUPS shall be chaired by a member of the Board of
Direksi tidak hadir atau kosong, maka RUPS dipimpin oleh Directors appointed by the Board of Directors. In the event that
Pemegang Saham yang hadir dalam RUPS yang ditunjuk dari dan all members of the Board of Directors were absent or vacant,
oleh peserta. the RUPS shall be chaired by a Shareholder present at the RUPS
apponted from and by the participants.
Dalam hal anggota Dewan Komisaris yang ditunjuk oleh Dewan In the event that a member of the Board of Commissioners
Komisaris yang mempunyai benturan kepentingan atas hal yang appointed by the Board of Commissioners had a conflict of
akan diputuskan dalam RUPS, maka RUPS dipimpin oleh anggota interest over the matter to be decided in the RUPS, the RUPS shall
Dewan Komisaris lainnya yang tidak mempunyai benturan be chaired by another member of the Board of Commissioners
kepentingan yang ditunjuk oleh Dewan Komisaris. Apabila semua who did not have a conflict of interest appointed by the Board of
anggota Dewan Komisaris mempunyai benturan kepentingan, Commissioners. If all members of the Board of Commissioners had
maka RUPS dipimpin oleh salah satu Direktur yang ditunjuk oleh had a conflict of interest, the RUPS would have been chaired by
Direksi. one of the Directors appointed by the Board of Directors.
Dalam hal salah satu Direktur yang ditunjuk oleh Direksi In the event that one of the Directors appointed by the Board of
mempunyai benturan kepentingan atas hal yang akan diputuskan Directors had a conflict of interest over the matter to be decided
dalam RUPS, maka RUPS dipimpin oleh anggota Direksi yang in the RUPS, the RUPS shall be chaired by a member of the Board
tidak mempunyai benturan kepentingan. Apabila semua anggota of Directors who did not have a conflict of interest, the RUPS shall
Direksi mempunyai benturan kepentingan, maka RUPS dipimpin be chaired by one of the non-controlling shareholders elected by
oleh salah seorang Pemegang Saham bukan pengendali yang the majority of the shareholders present at the RUPS.
dipilih oleh mayoritas Pemegang Saham yang hadir dalam RUPS.
Pada saat pelaksanaan RUPS, tata tertib RUPS harus diberikan At the time of the RUPS meeting, the RUPS rules of procedure
kepada Pemegang Saham yang hadir. Tata tertib RUPS juga telah must be given to the attending shareholders. The RUPS rules had
disajikan pada website Perseroan. Pada saat pembukaan RUPS, also been presented on the Company’s website. At the opening of
pimpinan RUPS wajib memberikan penjelasan kepada Pemegang the RUPS, the chairman of the RUPS must provide an explanation
Saham paling kurang mengenai: to the shareholders at least regarding the folowing:
1. Kondisi Umum Perseroan secara singkat. 1. General condition of the Company briefly.
2. Mata Acara Rapat. 2. Agenda of the Meeting.
3. Mekanisme pengambilan Keputusan dan pemungutan suara 3. Decision-making and voting mechanism related to the Agenda
(voting) terkait Mata Acara Rapat. of the Meeting.
4. Tata cara penggunaan hak Pemegang Saham untuk 4. Procedures for using the rights of Shareholders to raise
mengajukan pertanyaan dan/atau pendapat. questions and/or opinions.
Perseroan wajib membuat risalah RUPS dan ringkasan RIsalah The company should make minutes of the RUPS and the summary
RUPS yang ditandatangani oleh pimpinan rapat dan paling sedikit of the minutes of the RUPS signed by the chairman of the meeting
1 (satu) orang Pemegang Saham yang ditunjuk dari dan oleh and at least 1 (one) shareholders appointed from and by the
peserta RUPS. Ringkasan RIsalah RUPS diumumkan melalui situs participants of the RUPS. The summary of RUPS Minutes should
web Perseroan dalam Bahasa Indonesia dan Bahasa Inggris. be announced through the company’s website in both Indonesian
and English.
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Kuorum Dalam RUPS Quorum In GMS
RUPS dapat dilangsungkan apabila: GMS can be held if:
1. Dihadiri oleh Pemegang Saham atau kuasanya yang sah 1. Attended by Shareholders or their legal proxies representing
yang mewakili lebih dari ½ (satu per dua) bagian dari seluruh more than 1/2 (one half) of all shares with valid voting rights,
saham dengan hak suara yang sah, dan keputusan disetujui and decisions are approved by more than 1/2 (one half) of all
oleh lebih dari ½ (satu per dua) bagian dari seluruh saham shares with voting rights attend the GMS unless otherwise
dengan hak suara yang hadir dalam RUPS kecuali ditentukan specified in the applicable laws and regulations.
lain dalam peraturan perundangan yang berlaku.
2. Rapat kedua adalah sah dan berhak mengambil keputusan 2. The second meeting is valid and has the right to make binding
yang mengikat apabila dihadiri oleh Pemegang Saham atau decisions if attended by Shareholders or their legal proxies
kuasanya yang sah yang mewakili sedikitnya 1/3 (satu per representing at least 1/3 (one third) of the total number of
tiga) bagian dari jumlah seluruh saham dengan hak suara shares with valid voting rights and decisions approved by
yang sah dan keputusan disetujui oleh lebih dari ½ (satu per more than 1/2 ( one-half) share of all shares with voting rights
dua) bagian dari seluruh saham dengan hak suara yang hadir present at the GMS, unless otherwise stipulated in the Articles
dalam RUPS, kecuali ditentukan lain dalam Anggaran Dasar of Association and applicable laws and regulations.
dan peraturan perundang-undangan yang berlaku.
3. Dalam hal kuorum kehadiran pada RUPS kedua tidak tercapai, 3. In the event that the attendance quorum at the second GMS
RUPS ketiga dapat diadakan dengan ketentuan RUPS ketiga is not reached, the third RUPS may be held provided that
sah dan berhak mengambil keputusan jika dihadiri oleh the third RUPS is valid and has the right to make decisions
Pemegang Saham dari saham dengan hak suara yang sah if attended by Shareholders of shares with valid voting
dalam kuorum kehadiran dan kuorum keputusan yang rights in the attendance quorum and a quorum for decisions
ditetapkan oleh OJK atas permohonan Perseroan. determined by the OJK at the request of the Company.
4. Pemanggilan RUPS ketiga dilakukan atas permohonan 4. Summons for the third GMS are made at the request of the
Perseroan dan ditetapkan oleh OJK. Dalam pemanggilan Company and determined by the OJK. In the summons of the
RUPS ketiga menyebutkan RUPS kedua telah dilangsungkan third GMS, the second GMS was held and did not reach the
dan tidak mencapai kuorum kehadiran. attendance quorum.
Pemegang saham baik sendiri maupun diwakili berdasarkan Shareholders, either in person or by proxy, were entitled to attend
surat kuasa berhak menghadiri RUPS. Pemegang saham dapat the RUPS. Shareholders might authorize other parties to represent
memberikan kuasa kepada pihak lain untuk mewakilinya them to attend and/or vote at the RUPS in accordance with the
menghadiri dan/atau memberikan suara dalam RUPS sesuai provisions of laws and regulations. Shareholders granted power
dengan ketentuan pertaturan perundang-undangan. Pemegang of attorney with the e-Proxy mechanism through the eASY.KSEI
saham memberikan kuasa dengan mekanisme e-Proxy melalui Application. The power of attorney form could be downloaded on
Aplikasi eASY.KSEI. Form surat kuasa dapat diunduh pada website the company’s website.
Perseroan.
Pengambilan Keputusan Dalam RUPS Decision Making in GMS
Semua keputusan diambil berdasarkan musyawarah untuk All decisions are made based on deliberation to reach consensus.
mufakat. Dalam hal keputusan berdasarkan musyawarah untuk In the event that a decision based on deliberation to reach
mufakat tidak tercapai maka keputusan diambil berdasarkan suara consensus is not reached, then the decision is taken based on the
setuju sebagaimana ditentukan dalam Anggaran Dasar. Setiap agreed vote as determined in the Articles of Association. Each
Pemegang Saham tunduk kepada Anggaran Dasar Perseroan dan Shareholder is subject to the Company’s Articles of Association
kepada semua keputusan yang diambil dengan sah dalam RUPS and to all decisions taken legally at the GMS and the applicable
serta peraturan perundangan-undangan yang berlaku. laws and regulations.
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Tiap-tiap saham memberikan hak kepada pemegangnya untuk Each share provides the right to its holder to cast 1 (one) vote.
mengeluarkan 1 (satu) suara, apabila seorang Pemegang Saham If one of the Shareholders has more than one share, he/she is
mempunyai lebih dari satu saham, ia diminta untuk memberikan requested to vote only once and his/her vote represents the entire
suara satu kali saja dan suaranya itu mewakili seluruh jumlah number of shares that he/she owns.
saham yang dimilikinya.
1. Untuk Pemegang Saham atau kuasanya yang hadir secara 1. For Shareholders or their proxies, who are physically present,
fisik, pemungutan suara akan dilakukan dengan ketentuan voting will be conducted with the following conditions:
sebagai berikut:
a. Bagi yang “Tidak Setuju” atau “Abstain” diminta untuk a. Those who “Disavow” or “Abstain” are requested to raise
mengangkat tangan dan memberi tanda dalam kolom their hands and put a mark in the voting card column and
kartu suara serta menyerahkan kartu suaranya kepada submit their voting cards to the officer;
petugas;
b. Jumlah Suara Abstain dianggap mengeluarkan suara b. The number of Abstain Votes is considered to be the
yang sama dengan suara mayoritas pemegang saham same as the majority of voting shareholders;
yang mengeluarkan suara;
c. Suara Tidak Sah (tidak lengkap diisi atau tidak dalam c. Invalid votes (incompletely filled in or not intact/
kondisi utuh / cacat) dianggap tidak ada dan tidak dihitung defective) are considered non-existent and not counted in
dalam menentukan jumlah suara yang dikeluarkan dalam determining the number of casting votes at the Meeting.
Rapat. Selanjutnya jumlah suara yang tidak setuju akan Furthermore, the number of against votes will be counted
diperhitungkan dengan suara yang sah dan selisihnya with the valid votes and the difference will be the number
merupakan jumlah suara yang setuju. of in favour votes.
2. Pemegang Saham atau kuasanya yang hadir secara elektronik 2. Shareholders or their proxies, who attend the Meeting
menghadiri Rapat menggunakan eASY.KSEI, melakukan electronically use eASY.KSEI, vote via e-voting in accordance
pemungutan suara melalui e-voting sesuai dengan mekanisme with the mechanism determined by the eASY.KSEI Provider,
yang ditentukan oleh Penyedia eASY.KSEI dengan tetap while observing the provisions of regulations.
memperhatikan ketentuan Peraturan Perundang-undangan.
3. Apabila terdapat peserta Rapat yang kehadirannya telah 3. If there are Meeting participants whose presence has been
diperhitungkan dalam menentukan kuorum, namun tidak taken into account in determining the quorum, but who are
berada di ruangan Rapat pada saat pemungutan suara not in the Meeting room when voting is taken, the concerned
dilakukan, maka yang bersangkutan dianggap menyetujui person is deemed having agreed to all resolutions taken at the
segala keputusan yang diambil dalam Rapat. Meeting.
4. Pimpinan RUPS akan mengumumkan hasil pemungutan 4. GMS Chairman will announce the results of voting.
suara.
5. Setiap Pemegang Saham dapat diwakili pada RUPS oleh 5. Each Shareholder can be represented at the GMS by other
pemegang selain atau pihak ketiga dengan surat kuasa. holders or third parties with a power of attorney. Members
Anggota Direksi, anggota Dewan Komisaris, Sekretaris of the Board of Directors, members of the Board of
Dewan Komisaris dan Pegawai Perseroan boleh bertindak Commissioners, Secretary of the Board of Commissioners and
sebagai kuasa dalam pemungutan suara. Company employees may act as proxies in voting.
Risalah RUPS Minute of GMS
Perseroan wajib membuat risalah RUPS dan ringkasan risalah The Company is required to prepare a GMS minutes and a summary
RUPS. Risalah RUPS wajib dibuat dan ditandatangani oleh of GMS minutes. Minutes of the GMS must be prepared and
pimpinan rapat dan paling sedikit 1 (satu) orang Pemegang Saham signed by the chair of the meeting and at least 1 (one) Shareholder
yang ditunjuk dari dan oleh peserta RUPS. Risalah RUPS dibuat appointed from and by the GMS participants. Minutes of the GMS
dalam bentuk akta Berita Acara Rapat yang dibuat oleh notaris. are made in the form of a Minutes of Meeting made by a notary.
Selanjutnya, risalah RUPS wajib disampaikan kepada OJK paling Furthermore, minutes of the GMS must be submitted to the OJK
lambat 30 (tiga puluh) hari setelah RUPS diselenggarakan. Dalam no later than 30 (thirty) days after the GMS is held. The minutes
risalah rapat dijelaskan adanya dinamika pemberian kesempatan of the meeting explain the dynamics of providing shareholders
pada pemegang saham untuk bertanya dan tanggapan atas with the opportunity to ask questions and respond to shareholder
pertanyaan pemegang saham. questions.
Laporan Tahunan 2023
634 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 126
CORPORATE
GOVERNANCE
Pelaksanaan RUPS Tahunan Tahun Buku 2022 dan Realisasinya
Implementation of The 2022 Annual GMS and Its Realization
Ringkasan Risalah
Pemberitahuan Pengumuman Pemanggilan Pelaksanaan Hasil RUPS
Summary of
Information Announcement Invitation Implementation GMS Result
Minutes
Diberitahukan kepada Diumumkan pada Diumumkan pada RUPS Tahunan Ringkasan Risalah Hasil Rapat Umum
OJK pada tanggal 17 tanggal 24 Februari tanggal 13 Maret Tahun Buku 2022 RUPS Tahunan Pemegang Saham
Februari 2023 2023 melalui Surat 2023 melalui Surat dilaksanakan pada hari Tahun Buku 2022 Tahunan Tahun Buku
Kabar Bisnis Indonesia, Kabar Bisnis Indonesia, Selasa, 4 April 2023 diumumkan pada 5 2022 dilaporkan pada
situs web PT KSEI situs web PT KSEI pada pukul 10.14 s/d April 2023 situs web tanggal 4 Mei 2023
eASY.KSEI, situs eASY.KSEI, situs 12.48 WIB, bertempat PT KSEI eASY.KSEI, kepada Otoritas Jasa
web PT Bursa Efek web PT Bursa Efek di Grand Ballroom situs web PT Bursa Keuangan dan PT KSEI
Indonesia dan situs Indonesia dan situs Trans Hotel Bandung. Efek Indonesia dan
Perseroan dengan Perseroan dengan situs Perseroan dengan
Bahasa Indonesia dan Bahasa Indonesia dan Bahasa Indonesia dan
Bahasa Inggris Bahasa Inggris Bahasa Inggris
Notified to OJK on February 24, 2023 Announced on March The Annual GMS for Summary of the The results of the Annual
February 17, 2023 through the Media 13, 2023 through the 2022 Financial Minutes of the General Meeting of
Indonesia Newspaper, Media Indonesia Year will be held on Annual GMS for the Shareholders for the
PT KSEI eASY.KSEI Newspaper, PT KSEI Wednesday, April 4, 2022 Financial Year 2022 Financial Year were
website, PT Bursa Efek eASY.KSEI website, PT 2023 from 10.14 to announced on April reported on May 4, 2023
Indonesia website Bursa Efek Indonesia 12.48 WIB, at the 5, 2023 through to the Financial Services
and the Company’s website and the Grand Ballroom of the Media Indonesia Authority and PT KSEI
website in Indonesian Company’s website Trans Hotel Bandung Newspaper, PT KSEI
and English in Indonesian and eASY.KSEI website, PT
English Bursa Efek Indonesia
website and the
Company’s website in
Indonesian and English
Pihak Independen Penghitung Suara Vote Counting Independent Party
Pihak independen penghitung suara pada RUPS Tahunan Tahun The independent parties to count the votes at the Annual RUPS for
Buku 2022 adalah: Financial Year 2022 were:
1. Raden Tendy Suwarman, Notaris di Kota Bandung yang akan 1. Raden Tendy Suwarman, Notary in Bandung City who would
membuat Risalah Rapat Umum Pemegang Saham Tahunan prepare the Minutes of the Annual General Meeting of
dan melakukan perhitungan suara. Shareholders and conduct the vote count.
2. Biro Administrasi Efek Perseroan yaitu PT Datindo Entrycom. 2. The Company’s Securities Administration Bureau, PT. Datindo
Entrycom.
Rekapitulasi Kehadiran Pada RUPS Tahunan Recapitulation of Attendance at The Annual
Tahun Buku 2022 GMS for Financial Year 2022
Seluruh Dewan Komisaris dan Direksi hadir pada RUPS Tahunan All members of the Board of Commissioners and Board of
Tahun Buku 2022. Adapun Dewan Komisaris dan Direksi yang Directors were present at the 2022 Annual RUPS. The Board of
hadir dalam RUPS Tahunan Tahun Buku 2022 adalah sebagai Commissioners and Directors who attended the 2022 Annual
berikut. RUPS were as follows.
Nama Jabatan Kehadiran
No.
Name Position Attandance
Komisaris Utama Independen
1 Farid Rahman Hadir / Present
Independent President Commissioner
Komisaris
2 Muhadi Hadir / Present
Commissioner
Komisaris
3 Setiawan Wangsaatmaja Hadir / Present
Commissioner
Komisaris Independen
4 Fahlino F. Sjuib Hadir / Present
Independent Commissioner
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 635
Page 127
TATA KELOLA
PERUSAHAAN
Nama Jabatan Kehadiran
No.
Name Position Attandance
Komisaris Independen
5 Diding Sakri Hadir / Present
Independent Commissioner
Direktur Utama
6 Yuddy Renaldi Hadir / Present
President Director
Direktur Kepatuhan
7 Cecep Trisna Hadir / Present
Director of Compliance
Direktur Keuangan
8 Nia Kania Hadir / Present
Director of Finance
Direktur Konsumer dan Ritel
9 Suartini Hadir / Present
Director of Consumer and Retail
Direktur Komersial dan Usaha Mikro Kecil dan Menengah
10 Nancy Adistyasari Hadir / Present
Director of Commercial and Micro, Small and Medium Enterprises
Direktur Information Technology, Treasury dan International Banking
11 Rio Lanasier Hadir / Present
Director of Information Technology, Treasury and International Banking
Direktur Operasional
12 Tedi Setiawan Hadir / Present
Director of Operations
Keputusan dan Realisasi RUPS Tahunan Tahun Decisions and Realization of Annual GMS for
Buku 2022 Financial Year 2022
Agenda Pertama
First Agenda
Persetujuan atas Laporan Tahunan termasuk pengesahan Laporan Keuangan Approval of the Annual Report including ratification of the Company’s
Konsolidasian Perseroan dan Laporan Pelaksanaan Tugas Pengawasan Consolidated Financial Report and Report on the Implementation of
Dewan Komisaris untuk tahun buku 2022 sekaligus pemberian pelunasan Supervisory Duties of the Board of Commissioners for the 2022 financial
dan pembebasan tanggung jawab sepenuhnya (acquit et de charge) kepada year as well as granting full repayment and release of responsibility (acquit
Direksi atas tindakan pengurusan Perseroan dan Dewan Komisaris atas et de charge) to the Board of Directors for the Company’s management
tindakan pengawasan Perseroan yang telah dijalankan selama Tahun Buku actions and the Board of Commissioners for the Company’s supervisory
2022. actions that have been carried out running during the 2022 Financial Year.
Hasil Pemungutan Suara Voting Results
Setuju : 8.344.892.178 Saham (99,81%), In Favor : 8.344.892.178 Shares (99,81%),
Terdiri dari : Consisted of :
Seri A : 7.414.714.661, Series A : 7.414.714.661,
Seri B : 930.177.517 Series B : 930.177.517
Tidak Setuju : 53.897 Saham (0,00%), yang seluruhnya merupakan saham Against : 53.897 Shares (0,00%), which were thoroughly owned by
Seri B Series B shares
Abstain : 15.387.239 Saham (0,18%), yang seluruhnya merupakan Abstain : 15.387.239 Shares (0,18%), which are all Series B shares
saham Seri B
Tidak terdapat Pemegang Saham yang mengajukan pertanyaan/ No shareholder raised a question/feedback.
tanggapan.
Keputusan Decision
1. Menyetujui Laporan Tahunan Direksi mengenai keadaan dan jalannya 1. Approving the Annual Report of the Directors regarding the condition and
Perseroan termasuk Laporan Pelaksanaan Tugas Pengawasan Dewan operation of the Company including the Report on the Implementation
Komisaris untuk Tahun Buku 2022. of the Supervisory Duties of the Board of Commissioners for the Financial
Year 2022.
2. Mengesahkan Laporan Keuangan Perseroan untuk Tahun Buku 2022 2. To ratify the Company’s Financial Statements for the Financial Year
yang telah diaudit oleh Kantor Akuntan Publik Amir Abadi Jusuf, 2022 audited by the Public Accounting Firm Amir Abadi Jusuf, Aryanto,
Aryanto, Mawar Dan Rekan sesuai dengan laporan nomor 00050/2.1030/ Mawar and co. in accordance with the report number 00050/2.1030/
AU.1/07/0499-1/1/II/2023 tanggal 24 Februari 2023, dengan opini Wajar AU.1/07/0499-1/1/II/2023 February 24, 2023 with a fair opinion in All
dalam Semua Hal Yang Material. Material Matters.
3. Menyetujui memberikan pelunasan dan pembebasan tanggung jawab 3. To approve to grant full release and discharge (acquit et de charge) to all
sepenuhnya (acquit et de charge) kepada seluruh anggota Direksi atas members of the Board of Directors for the management of the company
tindakan pengurusan Perseroan dan kepada seluruh anggota Dewan and to all members of the Board of Commissioners for the supervision of
Komisaris atas tindakan pengawasan Perseroan yang telah dijalankan the company that had been carried out during the 2022 financial year,
selama tahun buku 2022, sepanjang tindakan tersebut tercermin dalam as long as such actions were reflected in the Company’s Annual Report
Laporan Tahunan dan Laporan Keuangan Konsolidasian Perseroan untuk and Consolidated Financial Statement for the 2022 financial year and its
Tahun buku 2022 serta dokumen pendukungnya. supporting documents.
Tindak Lanjut: Telah Terealisasi Follow-up: Realized
Laporan Tahunan 2023
636 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 128
CORPORATE
GOVERNANCE
Agenda Kedua
Second Agendas
Persetujuan penetapan penggunaan laba bersih Perseroan termasuk Approval of the determination of the use of the company’s net profit,
pembagian dividen tahun buku 2022. including the distribution of dividents for the financial year 2022.
Hasil Pemungutan Suara Voting Results
Setuju : 8.359.808.317 Saham (99,99%), In Favor : 8.359.808.317 Shares (99,99%),
Terdiri dari : Consisted of :
Seri A : 7.414.714.661, Series A : 7.414.714.661,
Seri B : 945.093.656 Series B : 945.093.656
Tidak Setuju : 55.387 Saham (0,00%), yang seluruhnya merupakan saham Against : 55.387 Shares (0,00%), which are all Series B shares
Seri B
Abstain : 471.100 Saham (0,00%), yang seluruhnya merupakan Abstain : 471.100 Shares (0,00%), which are all Series B shares
saham Seri B
Terdapat 2 (dua) orang Pemegang Saham yang mengajukan pertanyaan/ There were 2 (two) shareholders who raised questions and provided
tanggapan. feedback.
Keputusan Decision
Menetapkan penggunaan laba bersih Perseroan tahun buku 2022 sebesar Determining the use of the Company’s net profit for the Financial Year
Rp2.223.637.871.682,- sebagai berikut: 2022 of Rp2.223.637.871.682,- as follows:
1. 49,47% dari Laba Bersih Tahun Buku 2022 atau setelah pembulatan 1. 49,47% dari Laba Bersih Tahun Buku 2022 atau setelah pembulatan
sebesar Rp1.100.016.937.371,- atau sebesar Rp104,55 per lembar sebesar Rp1.100.016.937.371,- atau sebesar Rp104,55 per lembar
saham ditetapkan sebagai Dividen Tunai dan dibagikan kepada seluruh saham ditetapkan sebagai Dividen Tunai dan dibagikan kepada seluruh
pemegang saham yang tercatat sesuai dengan ketentuan yang berlaku. pemegang saham yang tercatat sesuai dengan ketentuan yang berlaku.
Selanjutnya Rapat memberikan kuasa dan wewenang kepada Direksi Selanjutnya Rapat memberikan kuasa dan wewenang kepada Direksi
untuk mengatur tata cara pembayaran Dividen Tunai tersebut. untuk mengatur tata cara pembayaran Dividen Tunai tersebut.
2. 50,53% dari Laba Bersih Tahun Buku 2022 atau setelah pembulatan 2. 50,53% dari Laba Bersih Tahun Buku 2022 atau setelah pembulatan
sebesar Rp1.123.620.934.311,- ditetapkan sebagai Saldo Laba. sebesar Rp1.123.620.934.311,- ditetapkan sebagai Saldo Laba.
Tindak Lanjut: Telah Terealisasi Follow-up: Realized
Agenda Ketiga
Third Agendas
Penunjukan Akuntan Publik dan Kantor Akuntan Publik untuk mengaudit Appointment of a Public Accountant and Public Accounting Firm to audit the
laporan keuangan Perseroan tahun buku 2023. Company’s Financial Statements for the Financial Year 2023.
Hasil Pemungutan Suara Voting Results
Setuju : 8.347.245.149 Saham (99,84%), In Favor : 8.347.245.149 Shares (99,84%),
Terdiri dari : Consisted of :
Seri A : 7.414.714.661, Series A : 7.414.714.661,
Seri B : 932.530.488 Series B : 932.530.488
Tidak Setuju : 12.617.065 Saham (0,15%), yang seluruhnya merupakan Against : 12.617.065 Shares (0,15%), which are all Series B shares
saham Seri B
Abstain : 471.100 Saham (0,00%), yang seluruhnya merupakan Abstain : 471.100 Shares (0,00%), which are all Series B shares
saham Seri B
Tidak terdapat Pemegang Saham yang mengajukan pertanyaan/tanggapan. No shareholder raised a question/feedback.
Keputusan Decision
Memberikan kuasa kepada Dewan Komisaris untuk: Granting power to the Board of Commissioners to:
1. Menunjuk Akuntan Publik dan Kantor Akuntan Publik untuk melakukan 1. Appoint a Public Accountant and Public Accounting Firm to audit the
audit Laporan Keuangan Perseroan Tahun Buku 2023. Company’s Financial Statements for the Financial Year 2023.
2. Menetapkan persyaratan lain serta besarnya jasa audit dengan 2. Determine other requirements and the amount of audit services by
memperhatikan kewajaran serta ruang lingkup pekerjaan audit. considering the fairness and scope of audit work.
Tindak Lanjut: Telah Terealisasi Follow-up: Realized
Agenda Keempat
Fourth Agendas
Laporan realisasi penggunaan dana hasil penawaran umum Perseroan. Report on the Realization of the Use of Proceeds from the Company’s Public
Offering
Hasil Pemungutan Suara Voting Results
Tidak dilakukan pemungutan suara karena bersifat laporan. No voting was conducted because it was a report.
Tidak terdapat Pemegang Saham yang mengajukan pertanyaan/ No shareholder raised a question/feedback.
tanggapan.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 637
Page 129
TATA KELOLA
PERUSAHAAN
Keputusan Decision
Melaporkan total dana yang dihimpun oleh Perseroan dari Penawaran Reports of the total funds by the company from the Public Offering in 2022
Umum pada tahun 2022 adalah sebagai berikut: were as follows:
1. Penambahan Modal Dengan Memberikan Hak Memesan Efek Terlebih 1. Capital increase with pre-emptive rights I or PMHMETD I.
Dahulu I atau PMHMETD I.
a. Total dana yang berhasil dihimpun sebesar Rp924.999.591.375,- a. Total funds raised amounted to IDR 924,999,591,375.-
b. Total Biaya emisi sesuai hasil audit sebesar Rp7.579.557.750 b. Total issuance cost according to the audit result amounted to IDR
c. Total proceed netto sebesar Rp 917.420.033.625,- 7,579,557,750
c. Total net proceeds amounted to IDR 917,420,033,625.-
2. Penawaran Umum Berkelanjutan Obligasi Subordinasi Berkelanjutan III 2. Sustainable public offering of subordinated bonds III phase II or PUB III
Tahap II atau PUB III Tahap II. phase II.
a. Total dana yang berhasil dihimpun sebesar Rp1.000.000.000.000,- a. Total funds raised amounted to IDR 1,000,000,000,00.-
b. Total biaya emisi sesuai hasil audit sebesar Rp3.635.449.400,- b. Total issuance costs according to the audit results amounted to IDR
3,635,449,400.-
c. Total proceed netto sebesar Rp 996.364.550.600,- d. Total net proceeds of IDR 996,364,550,600.-
Dari perolehan dana tersebut, seluruhnya telah dipergunakan untuk From the funds earning, it has been used for credit expansion.
ekspansi kredit.
Tindak Lanjut: Telah Terealisasi Follow-up: Realized
Agenda Kelima
Fifth Agendas
Persetujuan atas pengkinian Rencana Aksi (Recovery Plan) Perseroan. Approval of updating the Company’s Recovery Plan.
Hasil Pemungutan Suara Voting Results
Setuju : 8.359.806.517 Saham (99,99%), In Favor : 8.359.806.517 Shares (99,99%),
Terdiri dari : Consisted of :
Seri A : 7.414.714.661, Series A : 7.414.714.661,
Seri B : 945.091.856 Series B : 945.091.856
Tidak Setuju : 38.419.758 Saham (0,46%), yang seluruhnya merupakan Against : 38.419.758 Shares (0,46%), which are all Series B shares
saham Seri B
Abstain : 483.806 Saham (0,005%), yang seluruhnya merupakan Abstain : 483.806 Shares (0,005%), which are all Series B shares
saham Seri B
Tidak terdapat Pemegang Saham yang mengajukan pertanyaan/tanggapan. No shareholder raised a question/feedback.
Keputusan Decision
1. Menyetujui pengkinian Rencana Aksi (Recovery Plan) Perseroan 1. Approved the update of the Company’s Action Plan (Recovery Plan) as
sebagaimana dokumen Rencana Aksi (Recovery Plan) yang telah per the Action Plan document (Recovery Plan) which was submitted to
disampaikan kepada Otoritas Jasa Keuangan melalui surat nomor 1171/ the OJK via letter number 1171/DIR-MRI/2022 dated November 22, 2022
DIR-MRI/2022 tanggal 22 November 2022 dalam rangka memenuhi in order to comply with the provisions of OJK Regulation No. 14/POJK
ketentuan Peraturan Otoritas Jasa Keuangan No 14/POJK.03/2017 .03/2017 concerning Action Plan (Recovery Plan) for Systemic Banks.
tentang Rencana Aksi (Recovery Plan) bagi Bank Sistemik.
2. Memberikan wewenang dan kuasa kepada Dewan Komisaris dan/atau 2. Granting authority and power to the Board of Commissioners and/or the
Direksi untuk menjalankan seluruh tindakan yang diperlukan dalam Directors to perform all necessary actions in implementing Recovery Plan
melaksanakan Rencana Aksi (Recovery Plan) sesuai ketentuan yang in accordance with applicable regulations.
berlaku.
Tindak Lanjut: Telah Terealisasi Follow-up: Realized
Agenda Keenam
Sixth Agendas
Persetujuan atas Rencana Resolusi (Resolution Plan) Perseroan. Approval of the Company’s Resolution Plan
Hasil Pemungutan Suara Voting Results
Setuju : 8.359.786.217 Saham (99,99%), In Favor : 8.359.786.217 Shares (99,99%),
Terdiri dari : Consisted of :
Seri A : 7.414.714.661, Series A : 7.414.714.661,
Seri B : 945.071.556 Series B : 945.071.556
Tidak Setuju : 74.197 Saham (0,00%), yang seluruhnya merupakan saham Against : 74.197 Shares (0,00%), which are all Series B shares
Seri B
Abstain : 472.900 Saham (0,00%), yang seluruhnya merupakan Abstain : 472.900 Shares (0,00%), which are all Series B shares
saham Seri B
Tidak terdapat Pemegang Saham yang mengajukan pertanyaan/ No shareholder raised a question/feedback.
tanggapan.
Laporan Tahunan 2023
638 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 130
CORPORATE
GOVERNANCE
Keputusan Decision
1. Menyetujui Rencana Resolusi (Resolution Plan) Perseroan sebagaimana 1. Approved the Resolution Plan of the Company as the Resolution Plan
dokumen Rencana Resolusi (Resolution Plan) yang telah disampaikan document submitted to the Deposit Insurance Corporation through letter
kepada Lembaga Penjamin Simpanan melalui surat nomor 1172/ number 1172/DIR-MRI/2022 November 22, 2022 in order to comply
DIR-MRI/2022 tanggal 22 November 2022 dalam rangka memenuhi with the provisions of the Deposit Insurance Corporation Regulation
ketentuan Peraturan Lembaga Penjamin Simpanan Nomor 1 Tahun 2021 Number 1 of 2021 dated March 30, 2021 concerning Resolution Plan for
tanggal 30 Maret 2021 tentang Rencana Resolusi (Resolution Plan) Bagi Commercial Banks.
Bank Umum.
2. Memberikan wewenang dan kuasa kepada Dewan Komisaris dan/atau 2. Authorized the Board of Commissioners and/or the Board of Directors
Direksi untuk menjalankan seluruh tindakan yang diperlukan dalam to carry out all necessary actions in implementing the Resolution Plan in
melaksanakan Rencana Resolusi (Resolution Plan) sesuai ketentuan yang accordance with applicable regulations.
berlaku.
Tindak Lanjut: Telah Terealisasi Follow-up: Realized
Agenda Ketujuh
Seventh Agendas
Perubahan Anggaran Dasar Perseroan. Changes to the Company’s articles of association
Hasil Pemungutan Suara Voting Results
Setuju : 7.964.996.991 Saham (95,27%), In Favor : 7.964.996.991 Shares (95,27%),
Terdiri dari : Consisted of :
Seri A : 7.414.714.661, Series A : 7.414.714.661,
Seri B : 550.282.330 Series B : 550.282.330
Tidak Setuju : 394.862.423 Saham (4,72%), yang seluruhnya merupakan Against : 394.862.423 Shares (4,72%), which are all Series B shares
saham Seri B
Abstain : 473.900 Saham (0,00%), yang seluruhnya merupakan Abstain : 473.900 Shares (0,00%), which are all Series B shares
saham Seri B
Tidak terdapat Pemegang Saham yang mengajukan pertanyaan/ No shareholder raised a question/feedback.
tanggapan.
Keputusan Decision
1. Menyetujui Perubahan Anggaran Dasar Perseroan sebagaimana yang 1. Approving the Amendments of the Company’s Articles of Association as
telah diusulkan. proposed.
2. Memberikan kuasa dan wewenang kepada Direksi dengan hak substitusi 2. Granting authority and power to the Directors with the right of
untuk melakukan segala tindakan yang diperlukan berkaitan dengan substitution to take all necessary actions in connection with the decisions
keputusan mata acara Rapat ini, termasuk menyusun dan menyatakan on agenda of this Meeting, including compiling and restating the entire
kembali seluruh Anggaran Dasar dalam suatu Akta Notaris dan Articles of Association in a Notary Deed, and submitting to the competent
selanjutnya menyampaikan kepada instansi yang berwenang untuk authority for approval and/or a receipt of notification of the amendments
mendapatkan persetujuan dan atau tanda penerimaan pemberitahuan of Articles of Association.
perubahan Anggaran Dasar tersebut.
Tindak Lanjut: Telah Terealisasi Follow-up: Realized
Agenda Kedelapan
Eighth Agendas
Pembatalan pengangkatan anggota Dewan Komisaris serta pengangkatan Cancellation of appointment of members of the Board of Commissioners
kembali Direksi Perseroan. and reappointment of Directors of the Company.
Hasil Pemungutan Suara Voting Results
Setuju : 8.359.805.517 Saham (99,99%), In Favor : 8.359.805.517 Shares (99,99%),
Terdiri dari : Consisted of :
Seri A : 7.414.714.661, Series A : 7.414.714.661,
Seri B : 945.090.856 Series B : 945.090.856
Tidak Setuju : 53.897 Saham (0,00%), yang seluruhnya merupakan saham Against : 53.897 Shares (0,00%), which are all Series B shares
Seri B
Abstain : 473.900 Saham (0,00%), yang seluruhnya merupakan Abstain : 473.900 Shares (0,00%), which are all Series B shares B
saham Seri B
Tidak terdapat Pemegang Saham yang mengajukan pertanyaan/ No shareholder raised a question/feedback.
tanggapan.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 639
Page 131
TATA KELOLA
PERUSAHAAN
Keputusan Decision
1. Membatalkan pengangkatan Bapak Tubagus Raditya Indrajaya selaku 1. Cancelled the appointment of Mr. Tubagus Raditya Indrajaya as
Komisaris Independen terhitung sejak ditutupnya Rapat ini. Independent Commissioner effective as of the closing of this Meeting.
2. Memberhentikan dengan hormat Direksi Perseroan sebagai berikut: 2. Honorably discharged the Directors of the Company as follows:
a. Ibu Nia Kania selaku Direktur Keuangan. a. Ms. Nia Kania as the Finance Diretor.
b. Ibu Suartini selaku Direktur Konsumer dan Ritel. b. Ms. Suartini as the Director of Consumer and Retail.
Terhitung sejak ditutupnya Rapat ini dan mengucapkan terima kasih atas As of the closing of this meeting and thank you for the contribution
sumbangsih tenaga dan pikiran yang diberikan selama menjabat sebagai of energy and thought given during your tenure as Directors of the
Direksi Perseroan. Company.
3. Mengangkat kembali Direksi Perseroan sebagai berikut: 3. Reappointed the Board of Directors of the Company as follows:
a. Ibu Nia Kania selaku Direktur Keuangan. a. Ms. Nia Kania as the Finance Diretor.
b. Ibu Suartini selaku Direktur Konsumer dan Ritel. b. Ms. Suartini as the Director of Consumer and Retail.
Berlaku efektif sejak ditutupnya Rapat ini dan berakhir pada penutupan Effective as of the closing of this meeting and expired at the closing of the
RUPS Tahunan yang ke 1 (satu) setelah tanggal pengangkatannya. 1st Annual RUPS after the date of appointment.
4. Mengusulkan kandidat anggota Dewan Komisaris sebagaimana surat 4. Proposed candidates for members of the Board of Commissioners as
Pj. Gubernur Banten Nomor 800/1028-BKD/2023 tanggal 17 Maret stated in the letter of Pj. Governor of Banten Number 800/1028-BKD/2023
2023 atas nama Bapak Tomsi Tohir dan surat Bupati Bandung Nomor March 17, 2023 on behalf of Mr. Tomsi Tohir and letter from the Regent
575/980a/perek tanggal 31 Maret 2023 atas nama Bapak Rudie of Bandung Number 575/980a/perek March 31, 2023 on behalf of
Kusmayadi untuk mengikuti penilaian kemampuan dan kepatutan selaku Mr. Rudie Kusmayadito take part in the fit and proper assessment as
calon anggota Dewan Komisaris kepada Otoritas Jasa Keuangan sesuai candidates for members of the Board of Commissioners to the Financial
peraturan yang berlaku dan hasilnya disampaikan pada RUPS Luar Biasa Services Authority in accordance with applicable regulations and the
yang akan dilaksanakan dua bulan setelah Rapat ini. results would be submitted at the Extraordinary RUPS which would be
held two months after this meeting.
5. Memberikan wewenang dan kuasa kepada Direksi Perseroan dengan hak 5. Authorized the Board of Directors of the company with the right of
substitusi untuk melakukan segala tindakan yang diperlukan berkaitan substitution to take all necessary actions related to the resolutions of this
dengan keputusan mata acara Rapat ini dan selanjutnya memberitahukan meeting agenda and subsequently notify and/or report to the competent
dan/atau melaporkan kepada instansi yang berwenang dan selanjutnya authorities and subsequently do everything deemed necessary and useful
melakukan segala sesuatu yang dipandang perlu dan berguna untuk for such purposes with no one being excluded. Thus, the composition of
keperluan tersebut dengan tidak ada satu pun yang dikecualikan. the company’s management is as follows:
Dengan demikian, susunan pengurus Perseroan menjadi sebagai berikut:
Dewan Komisaris / Board of Commissioners
- Komisaris Utama Independen / Independent President Commissioner : Farid Rahman
- Komisaris / Commissioner : Setiawan Wangsaatmaja
- Komisaris / Commissioner : Muhadi
- Komisaris Independen / Independent Commissioner : Fahlino F. Sjuib
- Komisaris Independen / Independent Commissioner : Diding Sakri
Direksi / Directors
- Direktur Utama / President Director : Yuddy Renaldi
- Direktur Kepatuhan / Director of Compliance : Cecep Trisna
- Direktur Keuangan / Director of Finance : Nia Kania
- Direktur Konsumer dan Ritel / Director of Consumer and Retail : Suartini
- Direktur Komersial dan Usaha Mikro Kecil dan Menengah / Director of Commercial and Micro,
: Nancy Adistyasari
Small and Medium Enterprises
- Direktur IT, Treasury dan International Banking / Director of IT, Treasury and International
: Rio Lanasier
Banking
- Direktur Operasional / Director of Operations : Tedi Setiawam
Tindak Lanjut: Telah Terealisasi
Follow-up: Realized
Laporan Tahunan 2023
640 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 132
CORPORATE
GOVERNANCE
Pelaksanaan RUPS Luar Biasa Tahun 2023 dan Realisasinya
Implementation of The Extraordinary GMS In 2023 and Its Realization
Ringkasan Risalah
Pemberitahuan Pengumuman Pemanggilan Pelaksanaan Hasil RUPS
Summary of
Information Announcement Invitation Implementation GMS Result
Minutes
Diberitahukan kepada Diumumkan pada 18 Pemanggilan pada RUPS Luar Biasa Tahun Ringkasan Risalah Hasil Rapat Umum
OJK 11 April 2023 April 2023 melalui situs tanggal 3 Mei 2023 2023 dilaksanakan RUPS Luar Biasa Tahun Pemegang Saham
web PT KSEI eASY. melalui situs web PT pada hari Kamis, 25 2023 diumumkan Luar Biasa Tahun 2023
KSEI, situs web PT KSEI eASY.KSEI, situs Mei 2023 pada pukul pada 27 Mei 2023 dilaporkan pada tanggal
Bursa Efek Indonesia web PT Bursa Efek 09.40 s/d 10.27 WIB, melalui situs web PT 23 Juni 2023 kepada
dan situs Perseroan Indonesia dan situs bertempat di Grand KSEI eASY.KSEI, situs Otoritas Jasa Keuangan
Perseroan Ballroom Trans Hotel web PT Bursa Efek dan PT KSEI
Bandung. Indonesia dan situs
Perseroan
Notified to OJK on Announced on April Announced on May 8, The 2023 Extraordinary Summary of the The results of the 2023
April 11, 2023 18, 2023 through 2023 through Media GMS will be held on Minutes of the Extraordinary General
the Media Indonesia Indonesia Newspaper, Thursday, May 25, Extraordinary GMS Meeting of Shareholders
Newspaper, PT KSEI PT KSEI eASY.KSEI 2023 at 09.40 to for the 2023 Financial were reported on June
eASY.KSEI website, PT website, PT Bursa Efek 10.27 WIB, at the Year announced on 23, 2023 to the Financial
Bursa Efek Indonesia Indonesia website and Grand Ballroom of May 27, 2023 through Services Authority and PT
website and the the Company’s website Trans Hotel Bandung.. the PT KSEI eASY.KSEI KSEI
Company’s website website, PT Bursa Efek
Indonesia website and
the Company’s website
Pihak Independen Penghitung Suara Vote Counting Independent Party
Pihak independen penghitung suara pada RUPS Luar Biasa Tahun The independent parties to count the votes at the 2023
2023 adalah: Extraordinary RUPS were:
1. Yenni Yunithawati Rukmana, Notaris di Kota Bandung yang 1. Yenni Yunithawati Rukmana, Notary in Bandung City who
akan membuat Risalah Rapat Umum Pemegang Saham Luar would prepare the Minutes of the Extraordinary General
Biasa dan melakukan perhitungan suara. Meeting of Shareholders and count the votes.
2. Biro Administrasi Efek Perseroan yaitu PT Datindo Entrycom. 2. The Company’s Securities Administration Bureau, PT. Datindo
Entrycom.
Rekapitulasi Kehadiran Pada RUPS Luar Biasa Recapitulation of Attendance at The 2023
Tahun 2023 Etraordinary RUPS
Seluruh Dewan Komisaris dan Direksi hadir dalam RUPS Luar Biasa All of the Board of Commissioners and Directors attended the
Tahun 2023. Adapun Dewan Komisaris dan Direksi yang hadir Extraordinary RUPS of 2023. The Board of Commissioners and
adalah sebagai berikut. Directors who attended were as follows:
Nama Jabatan Kehadiran
No.
Name Position Attandance
Komisaris Utama Independen
1 Farid Rahman Hadir / Present
Independent President Commissioner
Komisaris
2 Muhadi Hadir / Present
Commissioner
Komisaris
3 Setiawan Wangsaatmaja Hadir / Present
Commissioner
Komisaris Independen
4 Fahlino F. Sjuib Hadir / Present
Independent Commissioner
Komisaris Independen
5 Diding Sakri Hadir / Present
Independent Commissioner
Direktur Utama
6 Yuddy Renaldi Hadir / Present
President director
Direktur Kepatuhan
7 Cecep Trisna Hadir / Present
Director of Compliance
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 641
Page 133
TATA KELOLA
PERUSAHAAN
Nama Jabatan Kehadiran
No.
Name Position Attandance
Direktur Keuangan
8 Nia Kania Hadir / Present
Director of Finance
Direktur Konsumer dan Ritel
9 Suartini Hadir / Present
Director of Consumer and Retail
Direktur Komersial dan Usaha Mikro Kecil dan Menengah
10 Nancy Adistyasari Hadir / Present
Director of Commercial and Micro, Small and Medium Enterprises
Direktur Information Technology, Treasury dan International Banking
11 Rio Lanasier Hadir / Present
Director of Information Technology, Treasury and International Banking
Direktur Operasional
12 Tedi Setiawan Hadir / Present
Director of Operations
Keputusan dan Realisasi RUPS Luar Biasa Tahun Decisions and Realization of The 2023
2023 Extraordinary GMS
Agenda Pertama
First Agenda
Perubahan Anggota Dewan Komisaris Perseroan Changes in Members of the Board of Commissioners of the Company
Hasil Pemungutan Suara Voting Results
Setuju : 8.294.812.637 Saham (99,53%), In Favor : 8.294.812.637 Shares (99,53%),
Terdiri dari : Consisted of :
Seri A : 7.414.714.661, Series A : 7.414.714.661,
Seri B : 880.097.976 Series B : 880.097.976
Tidak Setuju : 38.419.758 Saham (0,46%), yang seluruhnya merupakan Against : 38.419.758 Shares (0,46%), which are all Series B shares
saham Seri B
Abstain : 483.806 Saham (0,005%), yang seluruhnya merupakan Abstain : 483.806 Shares (0,005%), which are all Series B shares
saham Seri B
Terdapat 6 (enam) orang Pemegang Saham yang mengajukan pertanyaan There were 6 (six) shareholders who asked questions and/or gave responses.
dan/atau memberikan tanggapan.
Keputusan Decision
1. Memberhentikan dengan hormat Bapak Muhadi selaku Komisaris 1. Honorably discharged Mr. Muhadi as Commissioner of the Company as
Perseroan terhitung sejak ditutupnya rapat ini dan mengucapkan terima of the closing of this meeting and thanked him for his contribution of
kasih atas sumbangsih tenaga dan pikiran yang diberikan selama menjabat energy and thought during his tenure as a member of the Company’s
sebagai anggota Dewan Komisaris Perseroan. Board of Commissioners.
2. Mengangkat anggota Dewan Komisaris Perseroan sebagai berikut: 2. Appointed the following members of the Company’s Board of
Commissioners:
a. Bapak Tomsi Tohir selaku Komisaris. a. Mr. Tomsi Tohir as Commissioner.
b. Bapak Rudie Kusmayadi selaku Komisaris. b. Mr. Rudie Kusmayadi as Commissioner.
Sejak ditutupnya Rapat ini dan berlaku efektif sejak persetujuan dari Since the closing of this meeting and effective since the approval from
Otoritas Jasa Keuangan atas penilaian kemampuan dan kepatutan (fit the Financial Services Authority on the fit and proper test and fulfill the
and proper test) serta memenuhi ketentuan perundang-undangan yang applicable laws and regulations.
berlaku.
3. Memberikan wewenang dan kuasa kepada Direksi Perseroan dengan hak 3. Authorized the Board of Directors of the Company with the right of
substitusi untuk melakukan segala tindakan yang diperlukan berkaitan substitution to take all necessary actions related to the resolution of
dengan keputusan mata acara Rapat ini dan selanjutnya memberitahukan this agenda item of the meeting and subsequently notify and/or report
dan/atau melaporkan kepada instansi yang berwenang dan selanjutnya to the competent authorities and subsequently do everything deemed
melakukan segala sesuatu yang dipandang perlu dan berguna untuk necessary and useful for such purposes with no one being excluded.
keperluan tersebut dengan tidak ada satu pun yang dikecualikan.
Laporan Tahunan 2023
642 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 134
CORPORATE
GOVERNANCE
Dengan demikian, susunan pengurus Perseroan menjadi sebagai berikut:
Thus, the composition of the company’s management was as follows
Dewan Komisaris / Board of Commissioners
- Komisaris Utama Independen / Independent President Commissioner : Farid Rahman
- Komisaris / Commissioner : Setiawan Wangsaatmaja
- Komisaris / Commissioner : Tomsi Tohir*
- Komisaris / Commissioner : Rudie Kusmayadi*
- Komisaris Independen / Independent Commissioner : Fahlino F. Sjuib
- Komisaris Independen / Independent Commissioner : Diding Sakri
Direksi / Directors
- Direktur Utama / President director : Yuddy Renaldi
- Direktur Kepatuhan / Director of Compliance : Cecep Trisna
- Direktur Keuangan / Director of Finance : Nia Kania
- Direktur Konsumer dan Ritel / Director of Consumer and Retail : Suartini
- Direktur Komersial dan Usaha Mikro Kecil dan Menengah / Director of Commercial and MSMEs : Nancy Adistyasari
- Direktur IT, Treasury dan International Banking / Director of IT, Treasury and International
: Rio Lanasier
Banking
- Direktur Operasional / Director of Operations : Tedi Setiawam
*Terhitung sejak ditutupnya rapat ini dan berlaku efektif sejak persetujuan dari Otoritas Jasa Keuangan atas penilaian kemampuan dan kepatutan (fit and proper test) serta memenuhi
ketentuan perundang-undangan yang berlaku.
* As of the closing of this meeting and effective as of the approval of the Financial Services Authority on the fit and proper test and fulfillment of the applicable laws and regulations.
Tindak Lanjut: Telah Terealisasi
Follow-up: Realized
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 643
Page 135
TATA KELOLA
PERUSAHAAN
Pelaksanaan RUPS Tahunan Tahun Buku 2021 dan Realisasinya
Implementation of The 2021 Financial Year AGMS and Realization
Ringkasan Risalah
Pemberitahuan Pengumuman Pemanggilan Pelaksanaan Hasil RUPS
Summary of
Information Announcement Invitation Implementation GMS Result
Minutes
Diberitahukan kepada Diumumkan pada Diumumkan pada RUPS Tahunan Ringkasan Risalah Hasil Rapat Umum
OJK pada tanggal 14 tanggal 21 Februari tanggal 8 Maret 2022 Tahun Buku 2021 RUPS Tahunan Pemegang Saham
Februari 2022 2022 melalui melalui Surat Kabar dilaksanakan pada Tahun Buku 2021 Tahunan Tahun Buku
Surat Kabar Media Media Indonesia, situs hari Rabu, 30 Maret diumumkan pada 2021 dilaporkan pada
Indonesia, situs web PT web PT KSEI eASY. 2022 pada pukul tanggal 1 April 2022 tanggal 1 April 2022
KSEI eASY.KSEI, situs KSEI, situs web PT 11.30 sampai dengan melalui Surat Kabar kepada Otoritas Jasa
web PT Bursa Efek Bursa Efek Indonesia pukul 13.26 WIB, Media Indonesia, situs Keuangan dan PT KSEI
Indonesia dan situs dan situs Perseroan bertempat di Grand web PT KSEI eASY.
Perseroan BallroomTrans Hotel KSEI, situs web PT
Bandung Bursa Efek Indonesia
dan situs Perseroan
Notified to OJK on Announced on Announced on March The Annual GMS for Summary of the Minutes Results of the General
February 14, 2022 February 21, 2022 8, 2022 through Media the 2021 Financial of the Annual GMS Meeting of Shareholders
through the Media Indonesia Newspaper, Year will be held on for the 2021 Financial Annual Financial Year
Indonesia Newspaper, PT KSEI eASY.KSEI Wednesday, March Year announced on 2021 reported on April
PT KSEI eASY.KSEI website, PT Bursa Efek 30, 2022 from 11.30 April 1, 2022 through 1, 2022 to the Financial
website, PT Bursa Efek Indonesia website and to 13.26 WIB, at the the Media Indonesia Services Authority and
Indonesia website and the Company’s website Grand Ballroom of Newspaper, PT KSEI PT KSEI
the Company’s website Trans Hotel Bandung eASY.KSEI website, PT
Bursa Efek Indonesia
website and the
Company’s website
Pihak Independen Penghitung Suara Vote Counting Independent Party
Pihak independen penghitung suara pada RUPS Tahunan Tahun The independent parties to count the votes at the Annual General
Buku 2021 adalah: Meeting of Sharholders for Financial Year 2021 were:
1. Raden Tendy Suwarman, Notaris di Kota Bandung yang akan 1. Raden Tendy Suwarman, Notary in Bandung City who would
membuat Risalah Rapat Umum Pemegang Saham Tahunan prepare the Minutes of the Annual General Meeting of
dan melakukan perhitungan suara. Shareholders and count the votes.
2. Biro Administrasi Efek Perseroan yaitu PT Datindo Entrycom. 2. The Company’s Securities Administration Bureau, PT. Datindo
Entrycom.
Rekapitulasi Kehadiran Pada RUPS Tahunan Recapitulation of Attendance at The AGMS for
Tahun Buku 2021 Financial Year 2021
Dewan Komisaris dan Direksi yang yang hadir dalam RUPS The Board of Commissioners and Directors who attended the
Tahunan Tahun Buku 2021 adalah sebagai berikut. AGMS for the 2021 Financial Year were as follows.
Nama Jabatan Kehadiran
No.
Name Position Attandance
Komisaris Utama Independen
1 Farid Rahman Hadir / Present
Independent President Commissioner
Komisaris
2 Muhadi Hadir / Present
Commissioner
Komisaris
3 Setiawan Wangsaatmaja Hadir / Present
Commissioner
Komisaris Independen
4 Fahlino F. Sjuib Hadir / Present
Independent Commissioner
Komisaris Independen
5 Diding Sakri Hadir / Present
Independent Commissioner
Direktur Utama
6 Yuddy Renaldi Hadir / Present
President Director
Direktur Kepatuhan
7 Cecep Trisna Hadir / Present
Director of Compliance
Laporan Tahunan 2023
644 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 136
CORPORATE
GOVERNANCE
Nama Jabatan Kehadiran
No.
Name Position Attandance
Direktur Keuangan
8 Nia Kania Hadir / Present
Director of Finance
Direktur Konsumer dan Ritel
9 Suartini Hadir / Present
Director of Consumer and Retail
Direktur Komersial dan Usaha Mikro Kecil dan Menengah
10 Nancy Adistyasari Hadir / Present
Director of Commercial and MSMEs
Direktur Information Technology, Treasury dan International Banking
11 Rio Lanasier Hadir / Present
Director of Information Technology, Treasury and International Banking
Direktur Operasional
12 Tedi Setiawan Hadir / Present
Director of Operations
Keputusan dan Realisasi RUPS Tahunan Tahun Decisions and Realization of The 2021 AGMS
Buku 2021 for Financial Year
Agenda Pertama
First Agenda
Persetujuan Laporan Tahunan Direksi Mengenai Keadaan dan Jalannya Approval of the Annual Report of the Directors regarding the Condition and
Perseroan Termasuk Laporan Pelaksanaan Tugas Dewan Komisaris Untuk Operation of the Company, including the Report on the Implementation of
Tahun Buku 2021 dan Pengesahan Laporan Keuangan Perseroan Tahun the Supervisory Duties of the Board of Commissioners for the Financial Year
Buku 2021 Sekaligus Pemberikan Pelepasan atau Pembebasan Tanggung 2021 and Ratification of the Company’s Financial Statements for the Financial
Jawab Sepenuhnya (Acquit De Charge) Kepada Direksi dan Dewan Komisaris Year 2021 as well as Granting Full Release or Acquittal (Acquit De Charge)
atas Tindakan Pengurusan dan Pengawasan Yang Telah Dijalankan Selama to the Directors and Board of Commissioners for Management Actions and
Tahun Buku 2021. Supervision That Has Been Performed during the Financial Year 2021
Hasil Pemungutan Suara Voting Results
Setuju : 8.234.583.210 Saham (99,84%) In Favor : 8.234.583.210 Shares (99,84%)
Terdiri dari : Consist of :
Seri A : 7.414.714.661 Saham Series A : 7.414.714.661 Shares
Seri B : 819.868.549 Saham Series B : 819.868.549 Shares
Tidak Setuju : 0 Saham (0%) Against : 0 Shares (0%)
Abstain : 12.391.000 Saham (0.15%), yang seluruhnya merupakan Abstain : 12.391.000 Shares (0.15%), which are all Series B shares
saham Seri B
Tidak terdapat Pemegang Saham yang mengajukan pertanyaan dan/atau There were no Shareholders who asked questions and/or gave opinions
memberikan pendapat.
Keputusan Decision
1. Menyetujui Laporan Tahunan Direksi mengenai keadaan dan jalannya 1. Approving the Annual Report of the Directors regarding the condition and
Perseroan termasuk Laporan Pelaksanaan Tugas Pengawasan Dewan operation of the Company including the Report on the Implementation
Komisaris untuk Tahun Buku 2021. of the Supervisory Duties of the Board of Commissioners for the Financial
Year 2021.
2. Mengesahkan Laporan Keuangan Perseroan untuk Tahun Buku 2021 2. Ratifying the Company’s Financial Statements for the Financial Year 2021
yang telah diaudit oleh Kantor Akuntan Publik Amir Abadi Jusuf, Aryanto, audited by the Public Accounting Firm of Amir Abadi Jusuf, Aryanto,
Mawar dan Rekan sesuai dengan Laporan Nomor 00112/2.1030/ Mawar Dan Rekan in accordance with a report number 00112/2.1030/
AU.1/07/0645-3/1/III 2022 tanggal 01-03-2022, dengan opini Wajar AU.1/07/0645-3/1/III/2022 dated March 01st, 2022, with a Fair opinion
dalam semua hal yang material. in all material respects.
3. Selanjutnya dengan disetujuinya Laporan Tahunan dan disahkannya 3. With the approval of the Annual Report and the ratification of the
Laporan Keuangan Perseroan Konsolidasian untuk Tahun Buku 2021 Company’s Consolidated Financial Statements for the Financial Year
tersebut, maka Rapat memberikan pelepasan atau pembebasan 2021, the Meeting granted full release from responsibilities (acquit de
sepenuhnya dari tanggung jawab (acquit de charge) kepada seluruh charge) to all members of the Directors for their management actions
anggota Direksi atas tindakan pengurusan dan kepada seluruh anggota and to all members of the Board of Commissioners for their supervision
Dewan Komisaris atas tindakan pengawasan yang telah dijalankan selama performed during the Financial Year 2021 to the extent that such actions
Tahun Buku 2021 sejauh tindakan tersebut tercermin dalam Laporan were reflected in the Company’s Financial Statements.
tersebut di atas.
Tindak Lanjut: Telah Terealisasi Follow-up: Realized
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 645
Page 137
TATA KELOLA
PERUSAHAAN
Agenda Kedua
Second Agendas
Penetapan penggunaan laba bersih Perseroan termasuk pembagian dividen Determination of the use of the Company’s Net Profit including dividend
untuk tahun buku 2021. distribution for the Financial Year 2021
Hasil Pemungutan Suara Voting Results
Setuju : 8.246.822.310 Saham (99,99%) In Favor : 8.246.822.310 Shares (99,99%)
Terdiri dari : Consist of :
Seri A : 7.414.714.661 Series A : 7.414.714.661
Seri B : 832.107.649 Series B : 832.107.649
Tidak Setuju : 0 Saham (0%)
Abstain : 151.900 Saham (0,00%), yang seluruhnya merupakan Against : 0 Shares (0%) Abstain : 151.900 Shaes (0,00%), which are all
saham Seri B Series B shares
Pemegang Saham yang mengajukan pertanyaan dan/atau memberikan Shareholders who ask questions and/or provide opinions are 1 (one) person.
pendapat sebanyak 1 (satu) orang.
Keputusan Decision
Menetapkan penggunaan laba bersih Perseroan tahun buku 2021 sebesar Determining the use of the Company’s net profit for the Financial Year 2021
Rp2.014.277.161.078,- sebagai berikut: of Rp2.014.277.161.078,- as follows:
1. 51,77% dari Laba Bersih Tahun Buku 2021 atau setelah pembulatan 1. 51,77% of Net Profit for Financial Year 2021 or after rounding up of
sebesar Rp1.042.780.283.718,- atau sebesar Rp99,11 per lembar Rp1.042.780.283.718,- or Rp99,11 per share was determined as Cash
saham ditetapkan sebagai Dividen Tunai dan dibagikan kepada seluruh Dividend and distributed to all registered shareholders in accordance with
pemegang saham yang tercatat sesuai dengan ketentuan yang berlaku. applicable regulations. GMS granted power and authority to the Directors
Selanjutnya Rapat memberikan kuasa dan wewenang kepada Direksi to regulate the procedure for the payment of the Cash Dividend.
untuk mengatur tata cara pembayaran Dividen Tunai tersebut.
2. 48,23% dari Laba Bersih Tahun Buku 2021 atau setelah pembulatan 2. 48,23% of Net Profit for the Financial Year 2021 or after rounding up of
sebesar Rp971.496.877.359,- ditetapkan sebagai Saldo Laba. Rp971.496.877.359,- was determined as Retained Earnings.
Tindak Lanjut: Telah Terealisasi Follow-up: Realized
Agenda Ketiga
Third Agendas
Penunjukan akuntan publik dan kantor akuntan publik untuk mengaudit Appointment of a Public Accountant and Public Accounting Firm to audit
laporan keuangan Perseroan tahun buku 2022. the Company’s Financial Statements for the Financial Year 2022.
Hasil Pemungutan Suara Voting Results
Setuju : 8.236.886.247 Saham (99,88%) In Favor : 8.236.886.247 Shares (99,88%)
Terdiri dari : Consist of :
Seri A : 7.414.714.661 Series A : 7.414.714.661
Seri B : 822.171.586 Series B : 822.171.586
Tidak Setuju : 9.936.063 Saham (0,12%), yang seluruhnya merupakan Against : 9.936.063 Shares (0,12%), which are all Series B shares
saham Seri B
Abstain : 151.900 Saham (0,00%), yang seluruhnya merupakan Abstain : 151.900 Shares (0,00%), which are all Series B shares
saham Seri B
Tidak terdapat Pemegang Saham yang mengajukan pertanyaan dan/atau There were no Shareholders who asked questions and/or gave opinions
memberikan pendapat.
Keputusan Decision
Memberikan kuasa kepada Dewan Komisaris untuk: Granting power to the Board of Commissioners to:
1. Menunjuk Akuntan Publik dan Kantor Akuntan Publik untuk melakukan 1. Appoint a Public Accountant and Public Accounting Firm to audit the
audit Laporan Keuangan Perseroan Tahun Buku 2022. Company’s Financial Statements for the Financial Year 2022.
2. Menetapkan persyaratan lain serta besarnya jasa audit dengan 2. Determine other requirements and the amount of audit services by
memperhatikan kewajaran serta ruang lingkup pekerjaan audit. considering the fairness and scope of audit work.
Tindak Lanjut: Telah Terealisasi Follow-up: Realized
Agenda Keempat
Fourth Agendas
Laporan realisasi penggunaan dana hasil penawaran umum Perseroan. Report on the Realization of the Use of Proceeds from the Company’s Public
Offering
Hasil Pemungutan Suara Voting Results
Tidak dilakukan pemungutan suara karena bersifat laporan. No voting was conducted because it was a report
Tidak terdapat Pemegang Saham yang mengajukan pertanyaan dan/atau There were no Shareholders who asked questions and/or gave opinions
memberikan pendapat.
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646 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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Keputusan Decision
Melaporkan total dana yang dihimpun oleh Perseroan dari Penawaran Reporting the total funds raised by the Company from the Sustainable Public
Umum Berkelanjutan III Tahap I tahun 2021 adalah sebagai berikut: Offering III Phase I in 2021 were as follows:
1. Jumlah total dana hasil penawaran umum sebesar Rp1.000.000.000.000,- 1. The total amount of proceeds from the public offering was
Rp1.000.000.000.000,-
2. Jumlah total biaya emisi sesuai hasil audit sebesar Rp6.076.836.134,- 2. The total amount of emission costs according to the audit results was
Rp6.076.836.134,-
3. Jumlah total proceed netto sebesar Rp993.923.163.866,- 3. The total amount of net proceeds was Rp993.923.163.866,-
Dari perolehan dana tersebut, seluruhnya telah dipergunakan untuk ekspansi From the funds earning, it has been used for credit expansion.
kredit.
Tindak Lanjut: Telah Terealisasi Follow-up: Realized
Agenda Kelima
Fifth Agendas
Persetujuan atas pengkinian rencana aksi (Recovery Plan) Perseroan. Approval of updating the Company’s Recovery Plan
Hasil Pemungutan Suara Voting Results
Setuju : 8.238.342.865 Saham (99,90%) In Favor : 8.238.342.865 Shares (99,90%)
Terdiri dari : Consist of :
Seri A : 7.414.714.661 Series A : 7.414.714.661
Seri B : 823.628.204 Series B : 823.628.204
Tidak Setuju : 6.369.522 Saham (0,08%), yang seluruhnya merupakan Against : 6.369.522 Shares (0,08%), which are all Series B shares
saham Seri B
Abstain : 2.261.823 Saham (0,03%), yang seluruhnya merupakan Abstain : 2.261.823 Shares (0,03%), which are all Series B shares
saham Seri B
Tidak terdapat Pemegang Saham yang mengajukan pertanyaan dan/atau There were no Shareholders who asked questions and/or gave opinions.
memberikan pendapat.
Keputusan Decision
1. Menyetujui pengkinian Rencana Aksi (Recovery Plan) Perseroan 1. Approving the update of the Company’s Recovery Plan as described in the
sebagaimana dokumen Rencana Aksi (Recovery Plan) yang telah Recovery Plan document which was submitted to the Financial Services
disampaikan kepada Otoritas Jasa Keuangan melalui surat nomor 925/ Authority by letter number 925/DIR-MRI/2021 dated November 29th,
DIR-MRI/2021 tanggal 29 November 2021 dalam rangka memenuhi 2021 in order to comply with the provisions of the OJK Regulations No
ketentuan Peraturan Otoritas Jasa Keuangan No 14/POJK.03/2017 14/POJK.03/2017 concerning Recovery Action Plans for Systemic Banks.
tentang Rencana Aksi (Recovery Plan) bagi Bank Sistemik.
2. Memberikan wewenang dan kuasa kepada Dewan Komisaris dan/atau 2. Granting authority and power to the Board of Commissioners and/or the
Direksi untuk menjalankan seluruh tindakan yang diperlukan dalam Directors to perform all necessary actions in implementing Recovery Plan
melaksanakan Rencana Aksi (Recovery Plan) sesuai ketentuan yang in accordance with applicable regulations.
berlaku.
Tindak Lanjut: Telah Terealisasi Follow-up: Realized
Agenda Keenam
Sixth Agendas
Laporan rencana aksi korporasi Perseroan. Report on the Company’s corporate action plan.
Hasil Pemungutan Suara Voting Results
Tidak dilakukan pemungutan suara karena bersifat laporan. No voting was conducted because it was a report.
Tidak terdapat Pemegang Saham yang mengajukan pertanyaan dan/atau There were no Shareholders who asked questions and/or gave opinions.
memberikan pendapat.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 647
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TATA KELOLA
PERUSAHAAN
Keputusan Decision
1. Melaporkan rencana Sinergi Perbankan sebagaimana dimaksud dalam 1. Reporting Banking Synergy plan as referred to in the Financial Services
Peraturan Otoritas Jasa Keuangan Nomor 12/POJK.03/2021 tentang Bank Authority Regulation Number 12/POJK.03/2021 concerning Commercial
Umum dengan Bank Pembangunan Daerah yang sehat dan memiliki Bank and Regional Development Bank that are healthy and have potential
potensi memberikan nilai positif bagi kedua belah pihak. in providing positive value for both parties.
2. Melaporkan rencana program penambahan modal sebagaimana dimaksud 2. Reporting the plan to increase capital as referred to in the Financial
dalam Peraturan Otoritas Jasa Keuangan Nomor 32/POJK.04/2015 Services Authority Regulation Number 32/POJK.04/2015 concerning
tentang Penambahan Modal Perusahaan Terbuka Dengan Memberikan Additional Company Capital by Granting Pre-emptive Rights as amended
Hak Memesan Efek Terlebih Dahulu yang telah diubah dengan Peraturan by the Financial Services Authority Regulation Number 14/POJK.04/2019
Otoritas Jasa Keuangan Nomor 14/POJK.04/2019 untuk memperkuat to affirm the Company’s capital structure in terms of supporting business
struktur permodalan Perseroan dalam rangka mendukung rencana expansion plan and Banking Synergy.
ekspansi bisnis dan Sinergi Perbankan.
3. Rencana Aksi Korporasi tersebut akan dilakukan setelah memperoleh 3. The Company’s Recovery Plan will be conducted after obtaining approval
persetujuan sesuai dengan ketentuan yang berlaku untuk Aksi Korporasi in accordance with applicable provisions for the Recovery Plan.
tersebut.
Tindak Lanjut: Telah Terealisasi Follow-up: Realized
Agenda Ketujuh
Seventh Agendas
Perubahan anggaran dasar Perseroan. Changes to the Company’s articles of association
Hasil Pemungutan Suara Voting Results
Setuju : 7.845.008.314 Saham (95,13%) In Favor : 7.845.008.314 Shares (95,13%)
Terdiri dari : Consist of :
Seri A : 7.414.714.661 Series A : 7.414.714.661
Seri B : 430.293.653 Series B : 430.293.653
Tidak Setuju : 401.800.796 Saham (4,87%), yang seluruhnya merupakan Against : 401.800.796 Shares (4,87%), which are all Series B shares
saham Seri B
Abstain : 165.100 Saham (0,00%), yang seluruhnya merupakan Abstain : 165.100 Shares (0,00%), which are all Series B shares.
saham Seri B. .
Tidak terdapat Pemegang Saham yang mengajukan pertanyaan dan/atau There were no Shareholders who asked questions and/or gave opinions
memberikan pendapat.
Keputusan Decision
1. Menyetujui Perubahan Anggaran Dasar Perseroan sebagaimana yang 1. Approving the Amendments of the Company’s Articles of Association as
telah diusulkan. proposed.
2. Memberikan kuasa dan wewenang kepada Direksi dengan hak substitusi 2. Granting authority and power to the Directors with the right of
untuk melakukan segala Tindakan yang diperlukan berkaitan dengan substitution to take all necessary actions in connection with the decisions
keputusan mata acara Rapat ini, termasuk menyusun dan menyatakan on agenda of this Meeting, including compiling and restating the entire
kembali seluruh Anggaran Dasar dalam suatu Akta Notaris dan Articles of Association in a Notary Deed, and submitting to the competent
selanjutnya menyampaikan kepada instansi yang berwenang untuk authority for approval and/or a receipt of notification of the amendments
mendapatkan persetujuan dan atau tanda penerimaan pemberitahuan of Articles of Association.
perubahan Anggaran Dasar tersebut.
Tindak Lanjut: Telah Terealisasi Follow-up: Realized
Agenda Kedelapan
Eighth Agendas
Penetapan dan pengangkatan anggota Dewan Komisaris serta pengangkatan Determination and appointment of members of the Board of Commissioners
kembali Direksi Perseroan. and reappointment of the Board of Directors of the Company.
Hasil Pemungutan Suara Voting Results
Setuju : 7.850.721.982 Saham (95,20%) In Favor : 7.850.721.982 Shares (95,20%)
Terdiri dari : Consist of :
Seri A : 7.414.714.661 Series A : 7.414.714.661
Seri B : 436.007.321 Series B : 436.007.321
Tidak Setuju : 396.034.528 Saham (4,80%), yang seluruhnya merupakan Against : 396.034.528 Shares (4,80%), which are all Series B shares
saham Seri B
Abstain : 217.700 Saham (0,00%), yang seluruhnya merupakan Abstain : 217.700 Shares (0,00%), which are all Series B shares
saham Seri B
Pemegang Saham yang mengajukan pertanyaan dan/atau memberikan Shareholders who ask questions and/or provide opinions are 2 (two) people.
pendapat sebanyak 2 (dua) orang.
Keputusan Decision
1. Membatalkan pengangkatan anggota Dewan Komisaris Perseroan 1. Cancelling the appointment of members of the Company’s Board of
sebagai berikut: Commissioners as follows:
a. Bapak Dedi Tauk selaku Komisaris. a. Mr. Dedi Tauk as Commissioner.
b. Bapak Tubagus Raditya Indrajaya selaku Komisaris Independen. b. Mr. Tubagus Raditya Indrajaya as Independent Commissioner.
Terhitung sejak ditutupnya Rapat ini. As of the closing of the Meeting.
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2. Memberhentikan dengan hormat Direksi Perseroan sebagai berikut: 2. Dismissal with honor the company’s Directors as follows:
a. Ibu Nia Kania selaku Direktur Keuangan. a. Mrs. Nia Kania as Director of Finance.
b. Ibu Suartini selaku Direktur Konsumer dan Ritel. b. Mrs. Suartini as Director of Consumer and Retail.
Terhitung sejak ditutupnya Rapat ini dan mengucapkan terima kasih atas As of the closing of the Meeting and express the greatest gratitude
sumbangsih tenaga dan pikiran yang diberikan selama menjabat sebagai for the contribution of energy and thoughts given while serving as the
pengurus Perseroan. Company’s Management.
3. Mengangkat anggota Dewan Komisaris Perseroan sebagai berikut: 3. To appoint members of the Board of Commissioners of the Company as
follows:
a. Bapak Setiawan Wangsaatmaja selaku Komisaris. a. Mr. Setiawan Wangsaatmaja as Commissioner.
b. Bapak Diding Sakri selaku Komisaris Independen. b. Mr. Diding Sakri as Independent Commissioner.
c. Bapak Tubagus Raditya Indrajaya selaku Komisaris Independen. c. Mr. Tubagus Raditya Indrajaya as Independent Commissioner.
Terhitung sejak ditutupnya Rapat ini dan berlaku efektif setelah As of the closing of the Meeting and effective obtaining approval from
mendapatkan persetujuan dari Otoritas Jasa Keuangan atas penilaian the Financial Services Authority on the fit and proper test and complying
kemampuan dan kepatutan (fit and proper test) dan memenuhi ketentuan with the provisions of the applicable laws and regulations, with the term
peraturan perundang-undangan yang berlaku, dengan masa jabatan of office in accordance with the provisions of the Company’s Articles
sesuai ketentuan Anggaran Dasar Perseroan dengan memperhatikan of Association with due observance of the laws and regulations in the
peraturan perundang-undangan di bidang pasar modal. capital market sector.
4. Mengangkat kembali Direksi Perseroan sebagai berikut: 4. Re-appointment the Company’s Directors as follows:
a. Ibu Nia Kania selaku Direktur Keuangan. a. Mrs. Nia Kania as Director of Finance.
b. Ibu Suartini selaku Direktur Konsumer dan Ritel. b. Mrs. Suartini as Director of Consumer and Retail.
Berlaku efektif sejak ditutupnya Rapat ini dan berakhir pada penutupan Effective as of the closing of the Meeting and ends at the close of the 1st
RUPS Tahunan yang ke 1 setelah tanggal pengangkatannya. Annual GMS after the date of appointment.
5. Memberikan wewenang dan kuasa kepada Direksi Perseroan dengan hak 5. Granting authority and power to the Company’s Directors with
substitusi untuk melakukan segala tindakan yang diperlukan berkaitan substitution rights to take all necessary actions related to the decision on
dengan keputusan mata acara Rapat ini dan selanjutnya memberitahukan the agenda of this Meeting and subsequently notify and/or report to the
dan/atau melaporkan kepada instansi yang berwenang dan selanjutnya competent authority and do everything that was deemed necessary and
melakukan segala sesuatu yang dipandang perlu dan berguna untuk useful for that purpose without any that were excluded.
keperluan tersebut dengan tidak ada satu pun yang dikecualikan.
Dengan demikian, susunan pengurus Perseroan menjadi sebagai berikut: Hence, the composition of the Company’s Management was as follows:
Dewan Komisaris Board of Commissioners
- Komisaris Utama Independen : Farid Rahman - Independent President Commissioner: Farid Rahman
- Komisaris : Setiawan Wangsaatmaja* - Commissioner : Setiawan Wangsaatmaja*
- Komisaris : Muhadi - Commissioner : Muhadi
- Komisaris Independen : Fahlino F. Sjuib - Independent Commissioner: Fahlino F. Sjuib
- Komisaris Independen : Diding Sakri* - Independent Commissioner: Diding Sakri*
- Komisaris Independen : Tubagus Raditya Indrajaya* - Independent Commissioner: Tubagus Raditya Indrajaya*
Direksi Directors
- Direktur Utama : Yuddy Renaldi - President Director: Yuddy Renaldi
- Direktur Kepatuhan : Cecep Trisna - Director of Compliance: Cecep Trisna
- Direktur Keuangan : Nia Kania - Director of Finance: Nia Kania
- Direktur Konsumer dan Ritel : Suartini - Director of Consumer and Retail: Suartini
- Direktur Komersial dan Usaha Mikro Kecil dan Menengah : Nancy - Director of Commercial and Micro, Small and Medium Enterprises:
Adistyasari Nancy Adistyasari
- Direktur IT, Treasury dan International Banking : Rio Lanasier - Director of IT, Treasury and International Banking: Rio Lanasier
- Direktur Operasional : Tedi Setiawan - Director of Operations: Tedi Setiawan
* terhitung sejak ditutupnya Rapat ini dan berlaku efektif setelah mendapatkan persetujuan dari Otoritas Jasa Keuangan atas penilaian kemampuan dan kepatutan (test and proper
test) dan memenuhi ketentuan peraturan perundang-undangan yang berlaku.
* starting from the closing of the Meeting and effective after obtaining approval from the Financial Services Authority on a fit and proper test and complying with the provisions of
the applicable laws and regulations.
Tindak Lanjut: Telah Terealisasi
Follow-up: Realized
Keputusan RUPS Pada Tahun Buku dan 1 (Satu) GMS Decisions in The Financial Year and 1
Tahun Sebelum Tahun Buku yang Direalisasikan (One) Year Before The Financial Year Which Are
Pada Tahun Buku Realized in The Financial Year
Seluruh keputusan RUPS Tahun Buku 2023 telah terealisasi pada All GMS decisions for the 2023 Financial Year have been realized
tahun 2023 dan RUPS Tahun Buku 2022 telah terealisasi pada in 2023 and the 2022 GMS have been realized in 2022. So there
tahun 2022. Sehingga tidak terdapat keputusan RUPS Tahun are no 2022 GMS decisions and GMS decisions that have not been
2022 dan Keputusan RUPS yang belum direalisasikan pada tahun realized in 2023.
2023.
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Direksi Directors
Direksi merupakan organ Perseroan yang bertanggung jawab The Directors is the organ of the Company which is responsible
atas jalannya pengurusan Perseroan untuk kepentingan Perseroan for managing the Company for the benefit of the Company and
serta sesuai dengan maksud dan tujuan Perseroan. Direksi memiliki in accordance with the aims and objectives of the Company. The
wewenang serta bertugas dan bertanggung jawab secara kolegial Directors has the authority and duty and collegial responsibility
dalam mengelola Perseroan. Secara garis besar, masing-masing in managing the Company. Broadly speaking, each Director can
Direktur dapat melaksanakan tugas dan mengambil keputusan carry out their duties and make decisions in accordance with the
sesuai dengan pembagian tugas dan wewenangnya. Direksi division of tasks and authority. The Directors is responsible for
bertanggung jawab terhadap pengelolaan Perseroan agar dapat managing the Company so as to generate profits and ensure the
menghasilkan keuntungan dan memastikan kesinambungan sustainability of the Bank’s business in accordance with the articles
usaha Perseroan sesuai dengan anggaran dasar dan peraturan of association and legislation.
perundang-undangan.
Tugas dan Tanggung Jawab Direksi Duties and Responsibilities of The
Directors
Direksi bertugas untuk menjalankan pengurusan Perseroan The Directors has the duty to carry out the management of the
melalui setiap tindakan dan kebijakan yang dianggap tepat. Company through every action and policy deemed appropriate. On
Atas dasar tersebut, Direksi bertanggung jawab penuh atas this basis, the Directors is fully responsible for the implementation
pelaksanaan kepengurusan Perseroan untuk kepentingan of the management of the Company for the benefit of the
Perseroan serta sesuai dengan maksud dan tujuan Perseroan Company and in accordance with the aims and objectives of
yang telah ditetapkan dalam Anggaran Dasar Perseroan maupun the Company as stipulated in the Articles of Association of the
diatur dalam peraturan perundang-undangan, dengan itikad baik, Company and regulated in legislation, in good faith, full of
penuh tanggung jawab dan kehati-hatian. responsibility and prudence.
Penetapan tugas masing-masing anggota Direksi dilaksanakan The determination of the duties of each member of the Directors
sesuai dengan bidang keahlian masing-masing anggota Direksi. is carried out in accordance with the area of expertise of each
Dalam hal RUPS tidak menetapkan keputusan mengenai member of the Directors. In the event that the GMS does not
penetapan tugas bagi masing-masing anggota Direksi, penetapan stipulate a decision regarding the assignment of duties for each
tugas masing-masing anggota Direksi ditetapkan berdasarkan member of the Directors, the determination of the duties of each
keputusan rapat Direksi. member of the Directors is determined based on a decision of the
Directors meeting.
Direksi memiliki tanggung jawab untuk: Directors have the responsibility to:
1. Mengelola Perseroan sesuai dengan kewenangan dan 1. Manage the Company in accordance with its authority and
tanggung jawabnya sebagaimana diatur di dalam Anggaran responsibilities as regulated in the Company’s Articles of
Dasar Perseroan dan peraturan perundang-undangan yang Association and applicable laws and regulations.
berlaku.
2. Mempertanggungjawabkan pelaksanaan tugasnya kepada 2. Accountable for the implementation of its duties to
Pemegang Saham melalui RUPS. Shareholders through the GMS.
3. Mengurus kekayaan Perseroan sesuai dengan peraturan 3. Manage the Company assets in accordance with applicable
perundang-undangan yang berlaku. laws dan regulations.
4. Menyediakan data dan informasi yang akurat, relevan dan 4. Provide accurate, relevant and timely data and information to
tepat waktu kepada Dewan Komisaris. the Board of Commissioners.
5. Menyampaikan rencana kerja tahunan dan laporan keuangan 5. Submitting the annual work plan and financial statements of
Perseroan sesuai dengan ketentuan yang berlaku. the Company in accordance with applicable regulations.
6. Membuat laporan tahunan dan laporan keuangan perseroan 6. Making annual reports and company financial reports in
sesuai dengan ketentuan yang berlaku. accordance with applicable regulations.
7. Menyerahkan laporan tahunan Perseroan kepada akuntan 7. Submit the Company’s annual report to the public accountant
publik yang ditunjuk oleh RUPS untuk diperiksa. Hasil appointed by the GMS for review. The results of the
pemeriksaan akuntan publik tersebut disampaikan secara examination of the public accountant will be submitted in
tertulis kepada Pemegang Saham dalam RUPS Tahunan. writing to the Shareholders at the Annual GMS.
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8. Menyusun kebijakan tata tertib kerja Direksi yang bersifat 8. Compiling Code of Conduct policy for the Directors that are
mengikat bagi setiap anggota Direksi. binding for each member of the Directors.
9. Menerapkan manajemen risiko dan penerapan tata 9. Implement risk management and the application of good
perusahaan yang baik (Good Corporate Governance) dalam corporate governance in every business activity of the
setiap kegiatan usaha Perseroan pada seluruh jenjang Company at all levels of the organization.
organisasi.
10. Menyelenggarakan RUPS Tahunan dan RUPS Luar Biasa 10. Organize the Annual GMS and Extraordinary GMS as
sebagaimana diatur dalam peraturan perundang-undangan stipulated in the legislation and the Company’s Articles of
dan Anggaran Dasar Perseroan. Association.
11. Menetapkan kebijakan Perseroan berdasarkan persetujuan 11. Establish Company policies based on the approval of the
Dewan Komisaris dalam menjalankan kepengurusan Board of Commissioners in carrying out the management of
perseroan, kecuali ditetapkan lan berdasarkan peraturan the company unless determined based on applicable laws and
perundang-undangan yang berlaku. regulations.
12. Menetapkan susunan organisasi dan tata kerja Perseroan 12. Establish the organizational structure and work procedures
melalui persetujuan Dewan Komisaris. of the Company through the approval of the Board of
Commissioners.
13. Menindaklanjuti rekomendasi atas hasil temuan pengawasan 13. Follow up on recommendations on the findings of supervision
Satuan Kerja Audit Internal, auditor eksternal, pengawasan by the Internal Audit Work Unit, external auditors, OJK
OJK dan/atau pengawasan otoritas pengawas yang supervision and/or other supervisory authorities.
berwenang lainnya.
14. Menyimpan dan memelihara daftar pemegang saham dan 14. Maintain and maintain a register of shareholders and special
daftar khusus sebaik-baiknya. register as well as possible.
15. Mengungkapkan kebijakan Perseroan yang bersifat strategis 15. Disclose the Company’s strategic policies in the field of
di bidang kepegawaian kepada seluruh Pegawai Bank. employment to all Company Employees.
16. Membuat dan melaksanakan rencana kerja tahunan untuk 16. Make and implement an annual work plan to be submitted to
disampaikan kepada Dewan Komisaris selambat-lambatnya the Board of Commissioners no later than 60 (sixty) days prior
60 (enam puluh) hari sebelum dimulainya tahun buku yang to the commencement of the forthcoming financial year.
akan datang.
17. Mengungkapkan kepemilikan saham, hubungan keuangan 17. Disclose share ownership, financial relations and family
dan hubungan keluarga dengan sesama anggota Direksi, relationships with fellow members of the Directors,
anggota Dewan Komisaris dan/atau Pemegang Saham members of the Board of Commissioners and/or Company’s
Bank serta remunerasi dan fasilitas yang didapatnya sesuai Shareholders as well as remuneration and facilities obtained
ketentuan yang berlaku. in accordance with applicable regulations.
Wewenang Direksi Authority of the Directors
Adapun wewenang Direksi adalah sebagai berikut: The authority of the Directors is as follows:
1. Mengangkat dan memberhentikan Pegawai Bank. 1. Appoint and dismiss Bank Employees.
2. Mengatur ketentuan-ketentuan tentang kepegawaian 2. Regulates provisions on employment including determining
termasuk menetapkan gaji, pensiun atau jaminan hari tua dan salary, pension or old age savings and other income for
penghasilan lainnya bagi para pegawai Bank. Company employees.
3. Mengatur ketentuan-ketentuan mengenai pemberian 3. Regulate provisions regarding the provision of legal assistance
bantuan hukum bagi pegawai Bank maupun mantan Pegawai for Company employees as well as former Bank Employees
Bank sepanjang terkait tugas kedinasan, dengan terlebih in relation to official duties, with prior consultation with the
dahulu dikonsultasikan kepada Dewan Komisaris. Board of Commissioners.
4. Melakukan hapus tagih terhadap bunga, denda dan/atau 4. Perform write-offs on interest, penalties and/ or other costs
biaya lainnya selain pokok kredit, dengan tetap berpedoman other than the loan principal, while still referring to the
kepada peraturan perundang-undangan yang berlaku. applicable laws and regulations.
5. Mewakili Perseroan di dalam dan di luar pengadilan tentang 5. Represent the Company in and out of court regarding all
segala hal dan dalam segala kejadian, mengikat Perseroan matters and in all incidents, binding the Company with other
dengan pihak lain dan pihak lain dengan Perseroan, serta parties and other parties with the Company, and carrying out
menjalankan segala tindakan baik mengenai pengurusan all actions both in terms of management and ownership.
maupun kepemilikan.
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6. Untuk perbuatan tertentu Direksi dapat mengangkat seorang 6. For certain actions, the Directors may appoint one or more,
atau lebih, sebagai wakil atau kuasanya dengan memberikan as representatives or proxies by granting him the power
kepadanya kekuasaan yang diatur dalam surat kuasa. regulated in the power of attorney.
7. Melaksanakan perbuatan lainnya sesuai dengan ketentuan 7. Conduct other actions in accordance with applicable
yang berlaku dengan tetap memperhatikan persetujuan regulations while still observing the approval of the Board of
Dewan Komisaris maupun RUPS. Commissioners and the GMS.
8. Mengambil keputusan yang mengikat dan menjadi tanggung 8. Take binding decisions and become the responsibility of
jawab seluruh anggota Direksi sepanjang keputusan yang all members of the Directors as long as the decisions taken
diambil telah sesuai dengan pedoman dan tata tertib kerja are in accordance with the guidelines and work rules of the
Direksi. Directors.
Hak Direksi Right of Directors
Direksi mempunyai hak untuk mendapatkan remunerasi, The Directors has the right to receive remuneration, benefits and
tunjangan serta fasilitas yang jumlahnya ditetapkan oleh RUPS facilities, the amount of which is determined by the GMS, taking
dengan memperhatikan ketentuan yang berlaku. Ketentuan into account the applicable provisions. The provisions regarding
mengenai hak Direksi Bank tersebut mutatis mutandis berlaku the rights of the Company’s Directors mutatis mutandis apply to
bagi anggota Dewan Komisaris. members of the Board of Commissioners.
Masa Jabatan Direksi Term of Office of Directors
Masa jabatan anggota Direksi terhitung sejak tanggal The term of office of a member of the Directors commences from
ditetapkannya dalam Rapat Umum Pemegang Saham the date of stipulation at the appointment of the General Meeting
pengangkatannya dan berakhir pada penutupan Rapat Umum of Shareholders and ends at the close of the 5th Annual General
Pemegang Saham Tahunan yang ke-5 (lima) setelah tanggal Meeting of Shareholders after the date of appointment, unless
pengangkatannya, kecuali apabila ditentukan lain oleh Rapat otherwise stipulated by the General Meeting of Shareholders and
Umum Pemegang Saham dan dapat diangkat kembali. can be reappointed.
Persyaratan Anggota Direksi Requirements for Members of The Board
of Directors
Persyaratan Umum, adalah Warga Negara Indonesia yang: General Requirements are Indonesian citizens who:
1. Bertaqwa kepada Tuhan yang Maha Esa. 1. Devotion to God Almighty.
2. Mempunyai akhlak, moral dan integritas yang baik. 2. Having good morals, morals and integrity.
3. Setia dan taat kepada negara dan Pemerintah Republik 3. Loyal and obedient to the country and the Government of the
Indonesia. Republic of Indonesia.
4. Tidak terlibat secara langsung maupun tidak langsung dalam 4. Not involved directly or indirectly in activities of betrayal to the
kegiatan pengkhianatan kepada Negara Republik Indonesia. Republic of Indonesia.
5. Sehat jasmani dan rohani. 5. Physically and mentally healthy.
6. Tidak pernah dihukum karena melakukan kegiatan yang 6. Never been convicted of carrying out activities which are
merugikan negara atau tindakan-tindakan yang tercela di detrimental to the state or disgraceful actions in the banking
bidang perbankan. sector.
7. Tidak dicabut hak pilihnya berdasatkan keputusan pengadilan. 7. No voting rights are revoked based on a court decision.
8. Mampu melaksanakan perbuatan hukum. 8. Able to carry out legal actions.
9. Tidak pernah dinyatakan pailit atau menjadi anggota Direksi 9. Have never been declared bankrupt or been a member of the
atau anggota Dewan Komisaris yang dinyatakan bersalah Directors or a Board of Commissioners who was found guilty
menyebabkan suatu Perseroan dinyatakan pailit dalam waktu of causing a Company to be declared bankrupt within 5 (five)
5 (lima) tahun sebelum dicalonkan. years before being nominated.
10. Calon anggota Direksi yang akan mengikuti penilaian 10. Prospective members of the Directors who will take an
kemampuan dan kepatutan kepada Otoritas Jasa Keuangan, appraisal of their capability and appropriateness to the
diusulkan oleh Pemegang Saham Seri A yang mewakili Financial Services Authority, are proposed by Series A
sekurang-kurangnya 10% (sepuluh persen) baik secara Shareholders who represent at least 10% (ten percent) either
sendiri-sendiri maupun gabungan dari jumlah seluruh saham individually or in combination of the total number of shares
dengan hak suara yang sah. with valid voting rights.
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11. Usia maksimal calon anggota Direksi pada saat pertama kali 11. The maximum age of a candidate for the Directors when he is
diangkat adalah 56 (lima puluh enam) tahun. first appointed is 56 (fifty six) years.
12. Bukan sebagai mantan anggota Direksi Perseroan atau 12. Not as a former member of the Company’s Directors or
Pejabat Eksekutif Perseroan yang purnabakti, mengundurkan the Company’s Executive officer who retires, resigns or is
diri atau diberhentikan. dismissed.
13. Wajib mempunyai latar belakang dan pengalaman 13. Must have background and operational experience of a
operasional Bank Umum Devisa dengan jabatan terakhir Foreign Exchange Commercial Bank with the last position as
serendah-rendahnya 1 (satu) tingkat di bawah Direksi bagi low as 1 (one) level below the Directors for candidates for the
calon Direktur Utama dan calon Direktur yang berasal dari President Director and candidates for Directors who are from
Bank kelompok BUKU 4. the BUKU 4 Group Bank.
14. Wajib mempunyai latar belakang dan pengalaman operasional 14. Must have background and operational experience of Foreign
Bank Umum Devisa dengan jabatan terakhir serendah- Exchange Commercial Banks with the last position as low as 1
rendahnya 1 (satu) tingkat di bawah Direksi bagi calon Direksi (one) level below the Directors for candidates for Directors for
bagi calon Direktur dan serendah-rendahnya Direktur bagi candidates for Directors and as low as Directors for candidates
calon Direktur Utama yang berasal dari Bank Kelompok BUKU for President Director who are from BUKU 3 Group Bank.
3.
15. Wajib mempunyai latar belakang dan pengalaman operasional 15. Must have background and operational experience of a
Bank Umum Devisa dengan jabatan terakhir yang setingkat, Foreign Exchange Commercial Bank with the last position of
bagi calon Direktur Utama dan calon Direktur yang berasal the same level, for the candidates for President Director and
dari Bank kelompok BUKU 2. candidates for Directors who are from BUKU 2 Group Bank.
16. Wajib menjabat sebagai anggota Direksi Perseroanbagi calon 16. Must serve as a member of the Company’s Directors for
Direktur Utama yang berasal dari Perseroan. prospective President Directors who are from the Company.
17. Wajib menjabat sebagai eksekutif dengan jabatan satu tingkat 17. Must be an executive with one level below the Directors or
di bawah Direksi atau serendah-rendahnya Pemimpin Divisi, as low as Division Heads, including those currently being
termasuk yang sedang dalam penugasan oleh Perseroan bagi assigned by the Company to candidates for Directors from
calon Direktur yang berasal dari dalam Perseroan. within the Company.
Persyaratan lainnya, yaitu: Other requirements, namely:
1. Wajib berasal dari pihak independen terhadap pemegang 1. Obligated to come from an independent party against a
saham pengendali bagi calon Direktur Utama. controlling shareholder for a candidate for President Director.
2. Mayoritas anggota Direksi paling kurang memiliki pengalaman 2. The majority of members of the Directors have at least 5 (five)
5 (lima) tahun di bidang operasional sebagai pejabat eksekutif years experience in the operational field as executive officers
bank umum. of commercial banks.
3. Tidak merangkap jabatan sebagai anggota Dewan Komisaris, 3. Do not hold concurrent positions as members of the Board
Direksi atau Pejabat Eksekutif pada Bank, perusahaan dan/ of Commissioners, Directors or Executive officers of Banks,
atau lembaga lain kecuali apabila anggota Direksi yang companies and/or other institutions unless the relevant
bersangkutan bertanggung jawab terhadap pengawasan atas member of the Directors is responsible for oversight of
penyertaan pada perusahaan anak Perseroan, menjalankan the participation in the Company’s subsidiary companies,
tugas fungsional menjadi anggota Dewan Komisaris pada carrying out functional duties as a member of the Board of
perusahaan bukan anak Perseroan yang dikendalikan Commissioners in a noncompany a subsidiary of the Company
oleh Perseroan, sepanjang perangkapan jabatan tersebut that is controlled by Company, as long as the concurrent
tidak mengakibatkan yang bersangkutan mengabaikan position does not result in the person concerned neglecting
pelaksanaan tugas dan tanggung jawab sebagai anggota the implementation of duties and responsibilities as a member
Direksi Perseroan. of the Company’s Directors.
4. Anggota Direksi baik secara sendiri-sendiri atau bersama- 4. Members of the Directors, individually or jointly, are prohibited
sama dilarang memiliki saham melebih 25% (dua puluh lima from owning shares in excess of 25% (twenty-five percent) of
persen) dari modal disetor pada suatu perusahaan lain. the paid-up capital in another company.
5. Antara sesama anggota Direksi dan antara anggota Direksi 5. Between fellow members of the Board of Directors and
dengan anggota Dewan Komisaris tidak boleh ada hubungan between members of the Board of Directors and members
keluarga sampai dengan derajat kedua, baik menurut garis of the Board of Commissioners, there must be no family
lurus maupun ke samping, termasuk menantu dan ipar. relationship up to the second degree, either in a straight line
or sideways, including son-in-law and brother-in-law.
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Kebijakan Tata Tertib Kerja Direksi Directors‘ Work Policies
Direksi memiliki Pedoman Kerja Direksi berdasarkan Surat The Directors has Directors ‘Work Guidelines based on Directors’
Keputusan Direksi Nomor 0077/SK/DIR-CS/2019 tanggal 14 Decree Number 0077/SK/DIR-CS/2019 dated January 14, 2019
Januari 2019 tentang Kebijakan Tata Tertib Kerja Direksi yang on the Directors Work Procedure Policy which explains the
menjelaskan tahapan aktivitas secara terstruktur, sistematis, stages of activities in a structured, systematic, easily understood
mudah dipahami dan dapat dijalankan dengan konsisten, serta and consistent manner, and serves as a reference for Directors
menjadi acuan bagi Direksi dalam melaksanakan tugas masing- in carrying out their respective duties to achieve the Vision and
masing untuk mencapai Visi dan Misi Perseroan. Mission of the Company.
Kebijakan Tata Tertib Kerja Direksi mengacu pada prinsip-prinsip The Directors Work Policy refers to the Bank’s legal principles,
hukum Bank, ketentuan anggaran dasar, peraturan perundang- provisions of the articles of association, applicable laws and
undangan yang berlaku, serta praktik-praktik terbaik (best regulations, as well as GCG best practices. The Directors Work
practices) GCG. Kebijakan Tata Tertib Kerja Direksi sebagai Policy as a foundation for the Directors in carrying out their
landasan bagi Direksi dalam melaksanakan tugas dan tanggung duties and responsibilities effectively, efficiently, taking into
jawab secara efektif, efisien, memperhatikan prinsip-prinsip account the principles of openness, accountability, responsibility,
keterbukaan, akuntabilitas, pertanggungjawaban, independen independence and fairness, so that the Company’s internal control
dan kewajaran, sehingga internal kontrol dan manajemen risiko and risk management can be carried out properly.
Perseroan dapat terlaksana dengan baik.
Adapun isi Kebijakan Tata Tertib Kerja Direksi bank bjb yaitu: The contents of the bank bjb Directors Work Policy are:
I. Pendahuluan I. Introduction
II. Organisasi dan Kewenangan II. Organization and Authority
III. Nilai-nilai III. Values
IV. Waktu Kerja IV. Working time
V. Rapat Direksi V. Directors’ Meeting
VI. Evaluasi Kinerja VI. Performance evaluation
VII. Pelaporan dan Pertanggungjawaban VII. Reporting and Liability
Jumlah dan Komposisi Direksi Total and Composition of the Board of
Directors
Selama tahun 2023, tidak terjadi perubahan komposisi Direksi, During 2023, there was no change in the composition of the
sehingga komposisi Direksi pada tahun 2023 sebanyak 7 (tujuh) Board of Directors, so that the composition of the Board of
orang yang terdiri dari 1 (satu) orang Direktur Utama, 6 (enam) Directors in 2022 was 7 (seven) people consisting of 1 (one)
orang Direksi. Seluruh Direksi berdomisili di wilayah kerja Kantor President Director, 6 (six) Directors. All Directors were domiciled
bank bjb. Komposisi dan dasar pengangkatan Direksi dapat in the working area of the bank bjb office. The composition and
dilihat pada tabel di bawah ini. basis for the appointment of the Board of Directors can be seen
in the table below.
Tabel Komposisi dan Dasar Pengangkatan Direksi
Table of Composition and Basis of Appointment of the Directors
Nama Jabatan Pelaksana Dasar Pengangkatan Tanggal Efektif
Name Position Executor Basis of Appointment Effective Date
Direktur Utama OJK RUPS Tahunan tanggal 30 April 2019 3 Juli 2019
Yuddy Renaldi
President Director OJK Annual GMS on April 30, 2019 July 3, 2019
Direktur Keuangan OJK RUPS Tahunan tanggal 28 Februari 2018 28 Februari 2018
Nia Kania
Director of Finance OJK Annual GMS on February 28, 2018 February 28, 2018
Direktur Konsumer & Ritel OJK RUPS Tahunan tanggal 28 Februari 2018 28 Februari 2018
Suartini
Director of Consumer & Retail OJK Annual GMS on February 28, 2018 February 28, 2018
Direktur Operasional OJK RUPS Tahunan tanggal 30 April 2019 21 Juni 2019
Tedi Setiawan
Director of Operations OJK Annual GMS on April 30, 2019 June 21, 2019
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Nama Jabatan Pelaksana Dasar Pengangkatan Tanggal Efektif
Name Position Executor Basis of Appointment Effective Date
Direktur Information Technology,
Treasury & International Banking
OJK RUPS Tahunan tanggal 30 April 2019 21 Juni 2019
Rio Lanasier Director of Information
OJK Annual GMS on April 30, 2019 June 21, 2019
Technology, Treasury &
International Banking
Direktur Komersial dan Usaha
Mikro Kecil dan Menengah
OJK RUPS Luar Biasa tanggal 1 September 2020 1 September 2020
Nancy Adistyasari Director of Commercial and
OJK Extraordinary GMS on September 1, 2020 September 1, 2020
Micro, Small and Medium
Enterprises
Direktur Kepatuhan OJK RUPS Tahunan 2021 tanggal 6 April 2021 22 Juli 2021
Cecep Trisna
Director of Compliance OJK Annual GMS on April 6, 2021 July 22, 2021
Pembidangan Tugas Direksi Duties on the Directors
Adapun pembidangan tugas Direksi adalah sebagai berikut. The assignment of duties for the Directors is as follows.
Tabel Pembidangan Tugas Direksi
Table of Duties on the Directors
Nama Jabatan Bidang Tugas
Name Position Duties
1. Mengkoordinir dan memberikan arahan dalam penyusunan visi, misi dan nilai-nilai
serta rencana korporasi dan rencana bisnis untuk dibicarakan dan disetujui oleh
Dewan Komisaris atau RUPS sesuai dengan ketentuan Anggaran Dasar Bank.
2. Menyelaraskan dan mengakomodir inisiatif internal Bank yang dapat memberi nilai
tambah serta meningkatkan kinerja dan daya saing Bank.
3. Mengkoordinasikan pelaksanaan tugas antar anggota Direksi, melaksanakan
pembinaan dan pengendalian terhadap seluruh kegiatan operasional dan
pengelolaan Bank secara efektif dan efisien, dengan memperhatikan asas
keseimbangan dan keserasian serta memastikan kepatuhan terhadap aturan
regulator yang berlaku.
4. Mengkoordinasikan, mengendalikan dan mengevaluasi penerapan prinsip-prinsip
GCG dan standar etika Bank secara konsisten dalam perusahaan.
Direktur Utama 5. Memimpin rapat Direksi.
Yuddy Renaldi
President Director 1. Coordinate and provide direction in preparing the vision, mission and values as well
as corporate plans and business plans to be discussed and approved by the Board
of Commissioners or GMS in accordance with the provisions of the Bank’s Articles
of Association.
2. Align and accommodate the Bank’s internal initiatives that can provide added value
and improve the performance and competitiveness of the Bank.
3. Coordinate the implementation of duties among members of the Directors, carry
out guidance and control of all operational and management activities of the
Bank effectively and efficiently, taking into account the principles of balance and
harmony and ensure compliance with applicable regulatory rules.
4. Coordinate, control and evaluate the consistent application of GCG principles and
the Bank’s ethical standards in the company.
5. Chair a Directors’ meeting.
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Nama Jabatan Bidang Tugas
Name Position Duties
1. Merumuskan strategi guna mendorong terciptanya budaya kepatuhan Bank.
2. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip kepatuhan yang akan
ditetapkan oleh Direksi.
3. Menetapkan sistem dan prosedur kepatuhan yang digunakan untuk menyusun
ketentuan dan pedoman internal Bank.
4. Memastikan bahwa seluruh kebijakan, ketentuan, sistem dan prosedur, serta
kegiatan usaha yang dilakukan Bank telah sesuai dengan ketentuan Otoritas Jasa
Keuangan dan ketentuan peraturan perundang-undangan.
5. Meminimalkan risiko kepatuhan Bank.
6. Melakukan tindakan pencegahan agar kebijakan dan/atau keputusan yang diambil
Direksi Bank atau pimpinan kantor cabang dari bank yang berkedudukan di luar
negeri tidak menyimpang dari ketentuan Otoritas Jasa Keuangan dan ketentuan
peraturan perundang-undangan.
7. Melakukan tugas lain yang terkait dengan fungsi kepatuhan.
Direktur Kepatuhan
Cecep Trisna 1. Formulate strategies to encourage the creation of a culture of compliance with the
Director of Compliance
Bank.
2. Propose compliance policies or compliance principles that will be determined by
the Directors.
3. Establish compliance systems and procedures that are used to prepare internal
provisions and guidelines of the Bank.
4. Ensuring that all policies, provisions, systems and procedures, as well as business
activities carried out by the Bank are in accordance with the provisions of the
Financial Services Authority and the provisions of the legislation.
5. Minimize the Bank’s compliance risk.
6. Take precautionary measures so that the policies and/or decisions taken by Bank
Directors or branch office leaders from banks domiciled abroad do not deviate
from the provisions of the Financial Services Authority and the provisions of the
legislation.
7. Perform other tasks related to the compliance function
Direktur Keuangan 1. Mengkoordinasikan, mengendalikan, mengembangkan, membina, mengelola
Nia Kania
Director of Finance serta mengevaluasi pelaksanaan tugas dari bidang-bidang yang berada di bawah
tanggung jawabnya agar efektif dengan mengutamakan asas keseimbangan.
Direktur Konsumer & Ritel 2. Mengembangkan program efisiensi, efektivitas dan manajemen mutu dari produk-
Suartini
Director of Consumer & Retail produk Bank, serta memastikan dilaksanakannya secara konsisten di lingkungan
unit kerja masing-masing.
Direktur Operasional
Tedi Setiawan 3. Memantau serta mengawasi Batas Maksimal Pemberian Kredit atas aktivitas
Director of Operations
intermediasi Bank.
Direktur Information Technology, 4. Memonitor kualitas hasil kerja dan kinerja seluruh bidang-bidang di bawahnya
Treasury & International Banking agara rencana bisnis yang telah ditetapkan dapat tercapai.
Rio Lanasier 5. Memantau serta mengendalikan penerapan manajemen risiko dan penerapan
Director of Information Technology,
Treasury & International Banking prinsip tata kelola perusahaan yang baik (Good Corporate Governance) pada
bidang-bidang di bawahnya.
6. Mengevaluasi dan menyetujui rencana kerja masing-masing bidang di bawahnya.
1. Coordinate, control, develop, foster, manage and evaluate the implementation
of the tasks of the fields under his responsibility to be effective by prioritizing the
principle of balance.
2. Develop an efficiency, effectiveness and quality management program for the
Direktur Komersial dan Usaha Mikro
Bank’s products, as well as ensuring that it is consistently implemented in the
Kecil dan Menengah
Nancy Adistyasari environment of each work unit.
Director of Commercial and Micro,
3. Monitor and oversee the Legal Lending Limit for Bank intermediation activities.
Small and Medium Enterprises
4. Monitor the quality of the work and the performance of all fields below it so that
the business plan that has been determined can be achieved.
5. Monitor and control the application of risk management and the application of the
principles of good corporate governance in the fields below.
6. Evaluate and approve the work plan for each field below.
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Kebijakan Rangkap Jabatan Direksi Concurrent Position of Directors
Anggota Direksi dilarang merangkap jabatan sebagai anggota Members of the Directors are prohibited from holding concurrent
Dewan Komisaris, Direksi atau pejabat eksekutif pada bank, positions as members of the Board of Commissioners, Directors or
perusahaan dan/atau lembaga lain. Tidak termasuk rangkap executive officers at banks, companies and/or other institutions.
jabatan apabila anggota Direksi yang bersangkutan bertanggung Excludes concurrent positions if the member of the Directors
jawab terhadap pengawasan atas penyertaan pada Perusahaan concerned is responsible for oversight of the participation in
Anak Bank, menjalankan tugas fungsional sebagai anggota the Bank Subsidiary Company, carries out functional duties
Dewan Komisaris pada Perusahaan anak bukan yang dikendalikan as a member of the Board of Commissioners in a subsidiary
oleh Bank, sepanjang tidak mengakibatkan yang bersangkutan company not controlled by the Bank, as long as it does not result
mengabaikan pelaksanaan tugas dan tanggung jawab sebagai in the person neglecting the implementation of the duties and
anggota Direksi. responsibilities as a member of the Directors.
Tabel Rangkap Jabatan Direksi
Table of Concurrent Position of Directors
Jabatan pada Perusahaan/ Nama Perusahaan/
Nama Jabatan Instansi Lain Instansi Lain
Name Position Position at Other Companies/ Name of Company/
Institutions Other Institution
Direktur Utama
Yuddy Renaldi - -
President Director
Direktur Kepatuhan
Cecep Trisna - -
Director of Compliance
Direktur Keuangan
Nia Kania - -
Director of Finance
Direktur Konsumer & Ritel
Suartini - -
Director of Consumer & Retail
Direktur Operasional
Tedi Setiawan - -
Director of Operations
Direktur Information Technology, Treasury & International
Banking
Rio Lanasier - -
Director of Information Technology, Treasury &
International Banking
Direktur Komersial dan Usaha Mikro Kecil dan Menengah
Nancy Adistyasari Director of Commercial and Micro, Small and Medium - -
Enterprises
Hubungan Afiliasi Direksi Directors’ Affiliate Relations
Direksi senantiasa bertindak independen, dalam arti tidak The Board of Directors always acts independently, in the sense
mempunyai benturan kepentingan yang dapat mengganggu that it does not have a conflict of interest that could interfere
kemampuannya untuk melaksanakan tugas secara mandiri dan with its ability to carry out its duties independently and critically,
kritis, baik dalam hubungan satu sama lain maupun hubungan both in relation to each other and to the Board of Commissioners.
terhadap Dewan Komisaris. Direksi tidak memiliki hubungan The Board of Directors has no financial relationship, management
keuangan, hubungan kepengurusan, kepemilikan saham dan/atau relationship, share ownership and/or family relationship with
hubungan keluarga dengan anggota Dewan Komisaris lainnya, other members of the Board of Commissioners, the Board of
Direksi dan/atau Pemegang Saham Pengendali atau hubungan Directors and/or Controlling Shareholders or relationship with the
dengan Bank, sehingga dapat melaksanakan tugas dan tanggung Bank, so that they can carry out their duties and responsibilities
jawabnya secara independen. independently.
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Tabel Hubungan Afiliasi Direksi
Table of Directors’ Affiliate Relationships
Hubungan Keuangan, Keluarga dan Kepengurusan Direksi
Financial, Family Relations and Management of Directors
Hubungan Keuangan dengan Hubungan Keluarga dengan Hubungan
Relation of Financial with Relation of Family with Kepengurusan
dengan
Perusahaan
Nama Jabatan Pemegang Pemegang Lain
Dewan Dewan
Name Position Saham Saham Management
Komisaris Direksi Komisaris Direksi
Pengendali Pengendali
Board of Directors Board of Directors Relationship
Controlling Controlling
Commissioners Commissioners with Other
Shareholders Shareholders
Companies
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No Yes No
Direktur
Yuddy Utama
√ √ √ √ √ √ √
Renaldi President
Director
Direktur
Cecep Kepatuhan
√ √ √ √ √ √ √
Trisna Director of
Compliance
Direktur
Keuangan
Nia Kania √ √ √ √ √ √ √
Director of
Finance
Direktur
Konsumer &
Ritel
Suartini √ √ √ √ √ √ √
Director of
Consumer &
Retail
Direktur
Tedi Operasional
√ √ √ √ √ √ √
Setiawan Director of
Operations
Direktur
Information
Technology,
Treasury &
International
Rio Banking
√ √ √ √ √ √ √
Lanasier Director of
Information
Technology,
Treasury &
International
Banking
Direktur
Komersial
dan Usaha
Mikro
Kecil dan
Nancy Menengah
√ √ √ √ √ √ √
Adistyasari Director of
Commercial
and Micro,
Small and
Medium
Enterprises
Laporan Tahunan 2023
658 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 150
CORPORATE
GOVERNANCE
Pengelolaan Benturan Kepentingan Direksi Management of Conflicts of Interest In The
Directors
Benturan kepetingan maupun yang berpotensi menjadi benturan Conflicts of interests as well as those that have the potential to
kepentingan atau segala sesuatu yang dapat menghambat Direksi become a conflict of interest or anything that can prevent the
untuk bertindak independen harus diungkapkan oleh Direksi. Directors from acting independently must be disclosed by the
Benturan kepentingan merupakan suatu kondisi adanya konflik Directors. Conflict of interest is a condition of conflict between
antara kepentingan ekonomis perusahaan dan kepentingan the economic interests of the company and individual economic
ekonomi individu. Dalam hal terdapat benturan kepentingan interests. In the event of a conflict of interest in decision making,
dalam pengambilan keputusan, Direksi harus mengutamakan the Directors must prioritize the interests of the Bank.
kepentingan Bank.
Dalam hal terjadi benturan kepentingan, anggota Direksi dilarang In the event of a conflict of interest, members of the Directors
mengambil tindakan yang dapat merugikan Perseroan atau are prohibited from taking actions that could harm the Company
merugikan keuntungan Perseroan dan wajib mengungkapkan or harm the Company’s profit and must disclose the conflict of
benturan kepentingan dimaksud dalam setiap keputusan. interest referred to in each decision. Disclosure of conflicts of
Pengungkapan benturan kepentingan dicantumkan dalam setiap interest is included in each minutes of the Directors’ meeting,
risalah rapat Direksi, paling kurang mencakup nama Direksi yang at least covering the names of Directors who have a conflict
memiliki benturan kepentingan, masalah benturan kepentingan of interest, conflict of interest issues and the basis for decision
dan dasar pertimbangan pengambilan keputusan. making.
Terkait dengan pengambilan keputusan dalam rapat Direksi, Related to decision making in Directors’ meetings, Directors who
Direksi yang memiliki benturan kepentingan diperkenankan untuk have a conflict of interest are allowed to express their ideas and
mengungkapkan ide dan pendapat, akan tetapi tidak disertakan opinions, but they are not included in decision making, both in
dalam pengambilan keputusan, baik dalam musyawarah maupun deliberations and the majority of votes. This must be noted in the
pengambilan suara terbanyak. Hal tersebut harus dicatat dalam minutes of the Directors’ meeting.
risalah rapat Direksi.
Dalam hal Perseroan mempunyai benturan kepentingan dengan If the Company has a conflict of interest with the personal
kepentingan pribadi seorang anggota Direksi, maka Perseroan interests of a member of the Directors, then the Company will be
akan diwakili oleh anggota Direksi lainnya dan dalam hal Perseroan represented by other members of the Directors and in the event
mempunyai kepentingan yang bertentangan dengan kepentingan that the Company has an interest that conflicts with the interests
seluruh anggota Direksi, maka dalam hal ini Perseroan diwakili of all members of the Directors, then in this case the Company is
oleh Dewan Komisaris. represented by the Board of Commissioners.
Independensi Direksi Board of Directors' Independence
Direksi senantiasa bertindak independen, dalam arti tidak The Board of Directors always acts independently, in the sense
mempunyai benturan kepentingan yang dapat mengganggu that it does not have a conflict of interest that could interfere with
kemampuannya untuk melaksanakan tugas secara mandiri dan its ability to carry out its duties independently and critically, both in
kritis, baik dalam hubungan satu sama lain maupun hubungan relation to each other and to the Board of Commissioners.
terhadap Dewan Komisaris.
Rapat Direksi Meeting of The Directors
Kebijakan Rapat Meeting Policy
Direksi wajib mengadakan rapat Direksi secara berkala paling The Board of Directors is obliged to hold regular Board of Directors
kurang 1 (satu) kali dalam setiap bulan. Rapat Direksi dapat meetings at least 1 (one) time every month. A Board of Directors
dilangsungkan apabila dihadiri mayoritas dari seluruh anggota meeting can be held if attended by a majority of all members of
Direksi. Direksi wajib mengadakan rapat Direksi bersama Dewan the Board of Directors. The Board of Directors is obliged to hold
Komisaris secara berkala paling kurang 1 (satu) kali dalam 4 regular meetings between the Board of Directors and the Board
(empat) bulan. Direksi harus menjadwalkan rapat untuk tahun of Commissioners at least once every 4 (four) months. The Board
berikutnya sebelum berakhirnya tahun buku. of Directors must schedule meetings for the following year before
the end of the financial year.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 659
Page 151
TATA KELOLA
PERUSAHAAN
Bahan rapat disampaikan kepada peserta paling lambat 5 (lima) Meeting materials are submitted 5 (five) days before the meeting
hari sebelum rapat diselenggarakan. Dalam hal terdapat rapat is held. In the case that a meeting is held outside the prepared
yang diselenggarakan di luar jadwal yang telah disusun, bahan schedule, the meeting materials are delivered to the meeting
rapat disampaikan kepada peserta rapat paling lambat sebelum participants no later than before the meeting is held. Every policy
rapat diselenggarakan. Setiap kebijakan dan Keputusan strategis and strategic decision must be decided at a Board of Directors
wajib diputusakan melalui rapat Direksi. Panggilan rapat Direksi meeting. Calls for meetings of the Board of Directors are made by
dilakukan oleh anggota Direksi yang berhak mewakili Direksi members of the Board of Directors who have the right to represent
menurut anggaran dasar. the Board of Directors according to the articles of association.
Rapat Direksi dipimpin oleh Direktur Utama dalam hal Direktur The Directors meeting is chaired by the President Director, in the
Utama tidak dapat hadir atau berhalangan hal mana tidak perlu event that the President Director is unable to attend or is unable
dibuktikan kepada pihak Ketika, maka Rapat Direksi akan dipimpin to attend, which does not need to be proven to a third parties,
oleh dan dari anggota Direksi yang hadir. Rapat Direksi adalah the Directors meeting will be chaired by someone chosen by and
sah dan berhak mengambil Keputusan yang mengikat apabila from the present Directors. Directors meetings are valid and have
lebih dari setengah bagian dari jumlah anggota Direksi hadir atau the right to make binding decisions only if more than half of the
diwakili dalam rapat. Hasil rapat dituangkan dalam risalah rapat. total members of the Directors are present or represented at the
meeting. The results of the meeting are stated in the minutes of
the meeting.
Rencana Rapat Direksi Directors Meeting Plan 2023
Bulan Tanggal
Month Date
Januari/ January 8, 22, 29
Februari/ February 5, 12, 19
Maret/ March 4, 12, 18
April/ April 1, 15, 22
Mei/ May 6, 13, 20
Juni/ June 3, 10, 18
Juli/ July 8, 15, 22
Agustus/ August 5, 12, 19
September/ September 2, 9, 17
Oktober/ October 7, 14, 21
November/ November 4, 11, 18
Desember/ December 2, 9, 16
*Jadwal rapat Direksi dapat berubah sewaktu - waktu sesuai dengan kebutuhan.
*The Director’s meeting schedule may change at any time according to need.
Laporan Tahunan 2023
660 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 152
CORPORATE
GOVERNANCE
Rapat Internal Direksi Internal Meeting of The Directors
Sepanjang tahun 2023, Direksi telah melaksanakan rapat Throughout 2023, the Board of Directors held 69 (sixty-nine)
sebanyak 69 (enam puluh sembilan) kali. Adapun rincian rapat meetings. The details of the meeting of the Board of Directors
Direksi adalah sebagai berikut. are as follows.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 661
Page 153
TATA KELOLA
PERUSAHAAN
Tabel Rapat Direksi
Table of Directors Meeting
Tanggal Yuddy Cecep
No. Agenda Rapat Direksi
Date Renaldi Trisna
1 - Limit Switching Sektor Ekonomi Segmen Korporasi & Komersial 1 1
09 Januari 2023
1
January 09, 2023 2 - Pengelolaan Benefit Kepegawaian 1 1
3 - Pengelolaan Kepegawaian Pejabat Eksekutif 1 1
Persetujuan Perubahan Kebijakan Perkreditan Bank untuk
4 - 1 1
direkomendasikan kepada Dewan Komisaris
Pengalihan Pengelolaan Fasilitas Kesehatan Pegawai dari Swakelola ke
5 - 1 1
18 Januari 2023 Asuransi Kesehatan
2
January 18, 2023 Pengadaan Jasa Asuransi Fasilitas Kesehatan Pegawai bank bjb Tahun
6 - 1 1
2023
Review Pengelolaan Fasilitas Kepegawaian - Perjalanan Dinas Luar
7 - 1 1
Negeri
Penambahan Modal dengan Pemesanan Efek Terlebih Dahulu II
8 - 1 1
25 Januari 2023 (PMHMETD II)
3
January 25, 2023
9 - Persiapan Rapat Umum Pemegang Saham (RUPS) Tahun Buku 2022 1 1
10 - Review Pengelolaan Fasilitas Kepegawaian - Perjalanan Luar Negeri 1 1
06 Februari 2023
4 11 - Penetapan Definitif Pejabat Eksekutif dalam Masa robation (PJ) 1 1
February 06, 2023
Pengadaan Perpanjangan Lisensi Aplikasi Core Banking System (CBS)
12 - 1 1
Equation
Perjalanan
14 Februari 2023
5 13 - Evaluasi Ketentuan Pengelolaan Human Capital 1 Dinas
February 14, 2023
Business Trip
20 Februari 2023 Persetujuan Waiver Ketentuan CAMA, MRA dan KMKP PT Waskita
6 14 - 1 -
February 20, 2023 Karya
Usulan Kenaikan Gaji Berkala Tahun 2023 dan Pemberian Bonus
15 - 1 1
7 27 Februari 2023 Tahunan Tahun Buku 2022
February 27, 2023
16 - Penugasan pada Investee : Komisaris PT Asuransi Bangun Askrida 1 1
17 - RUPS bank bjb Tahun Buku 2022 1 1
07 Maret 2023 18 - Perkembangan Rencana Aksi Korporasi/PMHMETD II 1 1
8
March 07, 2023
Pembahasan Hasil Due Dilligance dan Valuasi Bank Bengkulu Dalam
19 - 1 1
Rangka Penyertaan Modal Tahap II Kepada Bank Bengkulu
20 - Kebijakan Dana, Layanan dan atau Jasa 1 1
13 Maret 2023
9 21 - Pengisian Pejabat Eksekutif 1 1
March 13, 2023
21 Maret 2023
10 22 - Remunerasi Pegawai 1 1
March 21, 2023
Risk Appetite Statement (RAS) dan Risk Tolerance terkait Teknologi
24 Maret 2023
11 23 - Informasi, Limit Kewenangan Memutus Pengeluaran Risiko 1 1
March 24, 2023
Operasional, Portofolio Guideline Segmen Korporasi dan Komersial
Laporan Tahunan 2023
662 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 154
CORPORATE
GOVERNANCE
Nia Tedi Rio Nancy
Suartini Board of Directors Meeting Agenda
Kania Setiawan Lanasier Adistyasari
Limit Switching of Economy Sector in Corporate &
1 1 1 1 1
Commercial Segments
1 1 1 1 1 Employment Benefit Management
1 1 1 1 1 Executive Officer Employment Management
Perjalanan Dinas Approval on Bank Credit Changes Policy to be
1 1 1 1
Business Trip recommended to the Board of Commissioners
Perjalanan Dinas Transfer of Management of Employee Health Facilities from
1 1 1 1
Business Trip Self-Management to Health Insurance
Perjalanan Dinas The 2023 bank bjb Employee Health Facility of Inurance
1 1 1 1
Business Trip Service Procurement
Perjalanan Dinas Review of Employment Facility Management – Overseas
1 1 1 1
Business Trip Business Trip
Perjalanan Dinas
1 1 1 1 Capital Addition with Prempetive Securities II (PMHMETD II)
Business Trip
Perjalanan Dinas Preparation of General Meeting of Shareholders for the
1 1 1 1
Business Trip Financial Year of 2022
Review of Employment Facility Management – Overseas
1 1 1 1 1
Business Trip
1 1 1 1 1 Definitive Stipulation of Executive Officer in Probation (PJ)
Procurement of License Extension of Core Banking System
1 1 1 1 1
(CBS) Equation Application
Perjalanan Dinas
1 1 1 1 Evaluation of Human Capital Management Provision
Business Trip
Perjalanan Dinas Approval on Waiver of Provision of CAMA, MRA and KMKP
1 1 1 1
Business Trip PT Waskita Karya
Proposal of the 2023 Periodic Salary Increases and Provision
1 1 1 1 1
of Annual Bonuses for the Financial Year of 2022
Assignment to Investee : Commissioner of PT Asuransi
1 1 1 1 1
Bangun Askrida
Perjalanan
Dinas
1 1 1 1 bank bjb GMS for the Financial Year of 2022
Business
Trip
Perjalanan Dinas
1 1 1 1 Development of Corporate Action Plan/PMHMETD II
Business Trip
Discussion of Due Diligence Results and Valuation of Bank
1 1 1 1 1 Bengkulu in the Context of Phase II Capital Participation in
Bank Bengkulu
1 1 1 1 1 Funds, Service, and/or Services Policy
1 1 1 1 1 Filling out Executive Officer
1 1 1 1 1 Employee Remuneration
Risk Appetite Statement (RAS) and Risk Tolerance related
to Information Technology, Limits on Authority to Decide
1 1 1 1 1
Operational Risk Expenditures, Portfolio Guideline for
Corporate and Commercial Segments
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 663
Page 155
TATA KELOLA
PERUSAHAAN
Tanggal Yuddy Cecep
No. Agenda Rapat Direksi
Date Renaldi Trisna
Persiapan Rapat Umum Pemegang Saham (RUPS) dan Skenario
12 27 Maret 2023 24 - 1 1
Deviden Tahun Buku 2022
March 27, 2023
25 - Remunerasi Pegawai 1 1
29 Maret 2023 Restrukturisasi Kredit PT Multi Trading Pratama - Perubahan Struktur
13 26 - 1 1
March 29, 2023 Fasilitas Kredit
Persiapan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun
14 05 April 2023 27 - 1 1
2023
April 05, 2023
28 - Pengisian Pejabat Eksekutif 1 1
11 April 2023
15 29 - Rapat Umum Pemegang Saham bjb Syariah 1 1
April 11, 2023
30 - Perjalanan Dinas Luar Negeri 1 1
16 17 April 2023
April 17, 2023
31 - Rencana Bisnis Bank 1 1
08 Mei 2023
17 32 - Penyertaan Modal Tahap II kepada Bank Bengkulu 1 1
May 08, 2023
33 - Persiapan Rapat Umum Pemegang Saham Luar Biasa Tahun 2023 1 1
18 15 Mei 2023
May 15, 2023 Perpanjangan Jangka Waktu KMK RC Terbatas dan Restrukturisasi
34 - 1 1
Kredit Investasi atas nama PT Waskita Karya Infrastuktur
23 Mei 2023 Pemilihan Calon Investee Penyertaan Modal pada Perusahaan Pialang
19 35 - 1 1
May 23, 2023 Asuransi
24 Mei 2023
20 36 - Pengelolaan Payroll Pegawai 1 1
May 24, 2023
37 - Pemenuhan Jabatan Pemimpin Cabang Pekanbaru 1 1
26 Mei 2023
21 38 - Pemenuhan Jabatan Pemimpin Cabang Pekanbaru 1 1
May 26, 2023
31 Mei 2023
22 39 - Penyesuain Struktur Organisasi bank bjb 1 1
May 31, 2023
12 Juni 2023
23 40 - Revisi Rencana Bisnis Bank 2023-2025 1 1
June 12, 2023
05 Juli 2023 Cuti
24 42 - Remunerasi Pegawai 1
July 05, 2023 Leave
10 Juli 2023 Penugasan pada Investee : PT BPR Parung Panjang dan BPR Cianjur Cuti
25 43 - 1
July 10, 2023 (BPR Parung Panjang diher) Leave
Izin pengeluaran biaya pengadaan pembelian unit satuan rumah
26 Juli 2023
26 44 - susun non hunian (Gedung bjb T Tower) berkaitan dengan 1 1
July 26, 2023
penyesuaian PPN
31 Juli 2023
27 45 - Penugasan Calon Direktur pada Investee : PD BPR LPK Parung Panjang 1 1
July 31, 2023
28 Agustus 2023 Restrukturisasi KI dan Penambahan Fasilitas Garansi Bank PT Waskita
28 46 - 1 1
August 28, 2023 Karya Infrastruktur
05 September 2023 Pengadaan Jasa Cash Replenishment & First Level Maintenance ATM
29 47 - 1 1
September 05, 2023 bank bjb Periode 2023 - 2025
20 September 2023
30 48 - Evaluasi Pejabat Eksekutif 1 1
September 20, 2023
49 - Penempatan PE pada investee 1 1
Laporan Tahunan 2023
664 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 156
CORPORATE
GOVERNANCE
Nia Tedi Rio Nancy
Suartini Board of Directors Meeting Agenda
Kania Setiawan Lanasier Adistyasari
Preparation of General Meeting of Shareholders (GMS) and
1 1 1 1 1
Dividend Scenario for the Financial Year of 2022
1 1 1 1 1 Employee Remuneration
Credit Restructuring of PT Multi Trading Pratama - Changes
1 1 1 1 1
in Credit Facility Structure
Preparation of Extraordinary General Meeting of
1 1 1 1 1
Shareholders (EGMS) for the Financial Year of 2023
1 1 1 1 1 Filling out Executive Officer
1 1 1 1 1 bjb Syariah General Meeting of Shareholders
Perjalanan Dinas
1 1 1 1 Oversea Business Trip
Business Trip
Perjalanan Dinas
1 1 1 1 Bank Business Plan
Business Trip
Perjalanan Dinas
1 1 1 1 Capital equity Phase II to Bank Bengkulu
Business Trip
Perjalanan Dinas Preparation of the 2023 Extraordinary General Meeting of
1 1 1 1
Business Trip Shareholders
Perjalanan Dinas Time Extension of Limited KMK RC and Investment Credit
1 1 1 1
Business Trip Restructuring on behalf of PT Waskita Karya Infrastuktur
Nomination of Prospective Investee of Capital Equity in
1 1 1 1 1
Insurance Brokerage Company
1 1 1 1 1 Employee Payroll Management
1 1 1 1 1 Satisfaction of Head Position of Pekanbaru Branch
1 1 1 1 1 Satisfaction of Head Position of Pekanbaru Branch
1 1 1 1 1 Adjustment of bank bjb organizational structure
1 1 1 1 1 Revision of Bank Business Plan for 2023-2025
1 1 1 1 1 Employee Remuneration
Assignment to Investee: PT BPR Parung Panjang and BPR
1 1 1 1 1
Cianjur (BPR Parung Panjang diher)
Permit to spend procurement costs for the purchase of
1 1 1 1 1 non-residential flats (Gedung bjb T Tower) related to VAT
adjustments
Assignment to Prospective Director to Investee : PD BPR LPK
1 1 1 1 1
Parung Panjang
KI Restructuring and Bank Guarantee Facility Addition to PT
1 1 1 1 1
Waskita Karya Infrastruktur
bank bjb Cash Replenishment & First Level Maintenance
1 1 1 1 1
ATM service procurement for 2023 – 2025
1 1 1 1 1 Evaluation to Executive Officer
1 1 1 1 1 PE placement to investee
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 665
Page 157
TATA KELOLA
PERUSAHAAN
Tanggal Yuddy Cecep
No. Agenda Rapat Direksi
Date Renaldi Trisna
22 September 2023
31 50 - Arahan Strategi Direksi Tahunan Tahun 2024 1 1
September 22, 2023
25 September 2023 Risk appetite Statement (RAS) dan Risk Tolerance, Portofolio Guideline
32 51 - 1 1
September 25, 2023 Segmen Korporasi
52 - Rencana Penyehatan PT BPR Intan Jabar 1 1
29 September 2023
33 53 - Restrukturiasai Kredit PT Pindad 1 1
September 29, 2023
05 Oktober 2023
34 54 - Remunerasi Pegawai 1 1
October 05, 2023
55 - Remunerasi Pengurus 1 1
16 Oktober 2023
36 56 - Kebijakan Kepatuhan 1 1
October 16, 2023
17 Oktober 2023 Pengadaan Jasa Keamanan bank bjb Periode Tahun 2023-2026
37 57 - 1 1
October 17, 2023 (Repeat Order)
31 Oktober 2023
38 58 - Rencana Rapat Bank Tahun 2024 1 1
October 31, 2023
01 November 2023
39 59 - Restrukturisasi atas kredit PT Wijaya Karya (Persero) 1 1
November 01, 2023
Surat Keputusan ( SK) Direksi tentang Limit Kewenangan Memutus
60 - 1 1
Penghapusan dan Pinjam Aset Tetap dan Inventaris
07 November 2023
40 61 - Perubahan Kebijakan APU, PPT & PPPSPM. 1 1
November 7, 2023
20 November 2023
41 62 - Rencana Bisnis Bank 2024 Volume 2 1 1
November 20, 2023
63 - Rencana Aksi Keuangan Berkelanjutan Tahun 2024 1 1
64 - Recovery Plan 1 1
29 November 2023
42 65 - Kebijakan Treasury 1 1
November 29, 2023
01 Desember 2023 Pengadaan Jasa Layanan Jaringan Komunikasi Data Tahun 2023 - PT
43 66 - 1 1
December 01, 2023 Telekomunikasi Indonesia
08 Desember 2023 Persetujuan Review Master Restructing Aggreement (MRA) PT
44 67 - 1 1
December 08, 2023 Waskita Karya (Persero) Tbk
11 Desember2023 Usulan Penyelesaian Klaim PT PLN (Persero) atas Garansi Bank PT
45 68 - 1 1
December 11, 2023 Nincec Multi Dimensi
18 Desember 2023 Permohonan Ijin Persetujuan Limit dan Pengeluaran Biaya Atas
46 69 - 1 1
December 18, 2023 Pengadaan Jasa Sewa Mesin ATM Tahun 2023
Laporan Tahunan 2023
666 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 158
CORPORATE
GOVERNANCE
Nia Tedi Rio Nancy
Suartini Board of Directors Meeting Agenda
Kania Setiawan Lanasier Adistyasari
1 1 1 1 1 The 2024 Annual Directors’ Strategic Directives
Risk Appetite Statement (RAS) and Risk Tolerance,
1 1 1 1 1
Corporate Segment Portfolio Guidelines
1 1 1 1 1 PT BPR Intan Jabar Rehabilitation Plan
1 1 1 1 1 PT Pindad Credit Restructuring
Perjalanan Dinas Perjalanan Dinas
1 1 1 Employee Remuneration
Business Trip Business Trip
Perjalanan Dinas Perjalanan Dinas
1 1 1 Management Remuneration
Business Trip Business Trip
1 1 1 1 1 Compliance Policy
Security Services Procurement for bank bjb, Period 2023-
1 1 1 1 1
2026 (Repeat Order)
1 1 1 1 1 Bank Meeting Plan for the Year 2024
1 1 1 1 1 Restructuring of PT Wijaya Karya (Persero) Loans
Board of Directors' Decree (SK) on Authority Limits for
1 1 1 1 1
Disposal and Borrowing of Fixed Assets and Inventory
Perjalanan Dinas
1 1 1 1 Change in AML, CFT & CPF Policies
Business Trip
Perjalanan Dinas
1 1 1 1 Bank Business Plan 2024 Volume 2
Business Trip
Perjalanan Dinas
1 1 1 1 2024 Sustainable Financial Action Plan
Business Trip
kuasa ke
dirkeu Perjalanan Dinas
1 1 1 Recovery Plan
kuasa ke Business Trip
dirkeu
1 1 1 1 1 Treasury Policy
Procurement of Data Communication Network Services for
1 1 1 1 1
the Year 2023 - PT Telekomunikasi Indonesia
Perjalanan Dinas Approval of the Master Restructuring Agreement (MRA)
1 1 1 1
Business Trip Review for PT Waskita Karya (Persero) Tbk
Proposal for the Settlement of PT PLN (Persero) Claims
1 1 1 1 1
against Bank PT Nincec Multi Dimensi Guarantees
Application for Approval of Limits and Expenditure for ATM
1 1 1 1 1
Machine Leasing Services for the Year 2023
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 667
Page 159
TATA KELOLA
PERUSAHAAN
Rapat Direksi Bersama Dewan Komisaris
Meeting of Directors With Board of Commissioners
Agenda Rapat Direksi
Tanggal Farid Setiawan Fahlino Diding Tomsi
No Board of Directors Muhadi
Date Rahman Wangsaatmaja F.Sjuib Sakri Tohir
Meeting Agenda
Program Penambahan
Modal dengan Hak
Memesan Efek Terlebih
1 08 Maret 2023
1 - Dahulu II (PMHMETD II)
March 08, 2023 1 1 1 1 1
Capital Increase
Program through
Pre-emptive Rights II
(PMHMETD II)
Penyertaan Modal
Kepada Bank Bengkulu
2 Tahap II 1 1 1 1 1
Capital Participation in
17 Mei 2023 Bank Bengkulu Phase II
2
May 17, 2023 Kinerja Keuangan
Periode April 2023
3 Financial Performance 1 1 1 1 1
for the Period of April
2023
Kinerja Keuangan
Periode Juni 2023
18 Juli 2023
3 4 Financial Performance 1 1 1 1
Juli 18, 2023
for the Period of June
2023
Persetujuan RBB Tahun
2024-2026
5 Approval of the 2024- 1 1 1 1 1
2026 Business Plan
(RBB)
RAKB Tahun 2024
Annual General
6 Meeting of 1 1 1 1 1
Shareholders (RAKB) for
21-Nov 2023 the Year 2024
4
Nov 21, 2023
Kinerja Keuangan
Periode Oktober 2023
7 Financial Performance 1 1 1 1 1
for the Period of
October 2023
Peretujuan Recovery
Plan
8 1 1 1 1 1
Approval of the
Recovery Plan
Laporan Tahunan 2023
668 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 160
CORPORATE
GOVERNANCE
Rudie Yuddy Cecep Nia Tedi Rio Nancy
Suartini
Kusmayadi Renaldi Trisna Kania Setiawan Lanasier Adistyasari
Perjalanan Dinas
dikuasakan ke Direktur
1 1 1 1 1 Keuangan 1
Official travel is authorized
by the Finance Director
1 1 1 1 1 1 1
1 1 1 1 1 1 1
1 1 1 1 1 1 1
1 1 1 1 1 1 1 1
1 1 1 1 1 1 1 1
1 1 1 1 1 1 1 1
1 1 1 1 1 1 1 1
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 669
Page 161
TATA KELOLA
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Agenda dan peserta rapat gabungan Dewan Komisaris The agenda and participants of the joint meeting of the Board of
mengundang Direksi disajikan pada bagian Rapat Dewan Commissioners inviting the Directors were presented in the Board
Komisaris Bab Tata Kelola Perusahaan dalam Laporan Tahunan ini. of Commissioners Meeting section of the Corporate Governance
Chapter of this Annual Report.
Frekuensi dan Kehadiran Rapat Direksi Frequency and Attendance of The Directors
Meetings
Tabel Frekuensi dan Kehadiran Rapat Direksi
Table of Frequency and Attendance of Directors Meetings
Rapat Direksi bersama Dewan
Rapat Direksi Komisaris RUPS
Board of Directors Meeting Meeting of the Board of Directors with GMS
the Board of Commissioners
Jumlah dan Persentasi Kehadiran Jumlah dan Persentase Kehadiran
Jumlah dan Persentase Kehadiran
Nama Jabatan Number and Percentage of Number and Percentage of
Number and Percentage of Attendance
Name Position Attendance Attendance
Jumlah Jumlah
Jumlah Jumlah Jumlah Jumlah
Rapat Rapat
Kehadiran Persentase Rapat Kehadiran Persentase Kehadiran Persentase
Number Number
Total Percentage Number of Total Percentage Total Percentage
of of
Attendance Meetings Attendance Attendance
Meetings Meetings
Direktur Utama
Yuddy Renaldi President 69 67 97% 8 8 100% 2 2 100%
Director
Direktur
Kepatuhan
Cecep Trisna 69 68 98,5% 8 8 100% 2 2 100%
Director of
Compliance
Direktur
Keuangan
Nia Kania 69 66 95,6% 8 8 100% 2 2 100%
Director of
Finance
Direktur
Konsumer &
Ritel
Suartini 69 64 92,7% 8 8 100% 2 2 100%
Director of
Consumer &
Retail
Direktur
Operasional
Tedi Setiawan 69 66 95,6% 8 8 100% 2 2 100%
Director of
Operations
Direktur
Information
Technology,
Treasury &
International
Banking
Rio Lanasier Director of 69 67 97,1% 8 8 100% 2 2 100%
Information
Technology,
Treasury &
International
Banking
Laporan Tahunan 2023
670 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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Rapat Direksi bersama Dewan
Rapat Direksi Komisaris RUPS
Board of Directors Meeting Meeting of the Board of Directors with GMS
the Board of Commissioners
Jumlah dan Persentasi Kehadiran Jumlah dan Persentase Kehadiran
Jumlah dan Persentase Kehadiran
Nama Jabatan Number and Percentage of Number and Percentage of
Number and Percentage of Attendance
Name Position Attendance Attendance
Jumlah Jumlah
Jumlah Jumlah Jumlah Jumlah
Rapat Rapat
Kehadiran Persentase Rapat Kehadiran Persentase Kehadiran Persentase
Number Number
Total Percentage Number of Total Percentage Total Percentage
of of
Attendance Meetings Attendance Attendance
Meetings Meetings
Direktur
Komersial dan
Usaha Mikro
Kecil dan
Menengah
Nancy Director of 69 58 84% 8 8 100% 2 2 100%
Adistyasari
Commercial
and Micro,
Small and
Medium
Enterprises
Pelatihan dan/atau Peningkatan Training and/or Competence Increase of
Kompetensi Anggota Direksi The Members of the Directors
Perseroan telah memiliki kebijakan yang mengatur bahwa seluruh The Company had a policy that stipulated that all levels of
level organisasi memiliki kesempatan yang setara dalam proses the organization had equal opportunities in the competency
pengembangan kompetensi yang tertuang dalam Surat Keputusan development process as stated in the Decree of the Directors
Direksi No. 0001/SK-DIR/ET/2017 tanggal 09 Februari 2017 No. 0001/SK-DIR/ET/2017 dated February 09, 2017 concerning
tentang Pedoman Pengelolaan Pendidikan. Adapun pelatihan Guidelines for Education Management. The training and/or
dan/atau peningkatan kompetensi anggota Direksi selama tahun competency improvement of members of the Directors during
2023 adalah sebagai berikut. 2023 are as follows.
Jenis Pelatihan dan Materi Pengembangan Waktu dan tempat
Nama Jabatan Kompetensi /Pelatihan Pelaksanaan Penyelenggara
Name Position Types of Training and Competency Implementation Time Organizer
Development/Training Materials and Place
Yuddy Renaldi Direktur Utama Executive Workshop Tahun 2023 Satukan Energi Bandung, 16 Januari bjb University
President Director Untuk Memperkuat Sinergi dan Keunggulan 2023
Kompetitif Bandung, January 16,
Executive Workshop in 2023 Uniting Energy to 2023
Strengthen Synergy and Competitive Advantage
Executive Workshop 2023 Be One : Bersatu Kompak Bandung, 23 Juli 2023 bjb University
Kolaboratif Bandung, July 23, 2023
Executive Workshop 2023 Be One : United, Compact,
and Collaborative
Executive Workshop Tahun 2023 : Menjaga Bandung, 24 Juli 2023 bjb University
Momentum Pertumbuhan Bisnis Dalam Mencapai Bandung, July 24, 2023
Komitmen Tahun 2023 Melalui Fee Based Income
Kredit Yang Berkualitas
Maintaining Business Growth Momentum in Achieving
2023 Commitments Through Quality Fee Based
Income Credit
Seminar Nasional BPD-SI Corporate Digital Culture : Makassar, 30 Agustus ASBANDA
Digital Transformation Leader 2023
BPD-SI National Seminar Corporate Digital Culture : Makassar, August 30,
Digital Transformation Leader 2023
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 671
Page 163
TATA KELOLA
PERUSAHAAN
Jenis Pelatihan dan Materi Pengembangan Waktu dan tempat
Nama Jabatan Kompetensi /Pelatihan Pelaksanaan Penyelenggara
Name Position Types of Training and Competency Implementation Time Organizer
Development/Training Materials and Place
Executive Future Banking Symposium Japan Tokyo, 11 November TD Consultant
(Refreshment Cyber Security Risk Management 2023
Program) Tokyo, November 11,
Executive Future Banking Symposium Japan 2023
(Refreshment Cyber Security Risk Management
Program)
Risk Management Workshop (Refreshment Sertifikasi Jakarta, 13 Desember TD Consultant
Manajemen Risiko) Untuk Pengurus bank bjb (Public 2023
Training-Luring) Jakarta, December 13,
Risk Management Workshop (Risk Management 2023
Certification Refreshment) for bank bjb Management
(Public Training-Offline)
Cecep Trisna Direktur Kepatuhan Executive Workshop Tahun 2023 Satukan Energi Bandung, 16 Januari bjb University
Director of Untuk Memperkuat Sinergi dan Keunggulan 2023
Compliance Kompetitif Bandung, January 16,
Executive Workshop in 2023 Uniting Energy to 2023
Strengthen Synergy and Competitive Advantage
Executive Workshop 2023 Be One : Bersatu Kompak Bandung, 23 Juli 2023 bjb University
Kolaboratif Bandung, July 23, 2023
Executive Workshop 2023 Be One : United, Compact,
and Collaborative
Executive Workshop Tahun 2023 : Menjaga Bandung, 24 Juli 2023 bjb University
Momentum Pertumbuhan Bisnis Dalam Mencapai Bandung, July 24, 2023
Komitmen Tahun 2023 Melalui Fee Based Income
Kredit Yang Berkualitas
Executive Workshop 2023: Maintaining Business
Growth Momentum in Achieving 2023 Commitments
Through Quality Fee Based Income Credit
Program ISO 31000 Standar Internasional Manajemen Bali, 4 Desember 2023 CRMS Indonesia
Risiko Fundamental ERM Bali, December 4, 2023
ISO 31000 Program International Standard for ERM
Fundamental Risk Management
Risk Management Workshop (Refreshment Sertifikasi Jakarta, 13 Desember TD Consultant
Manajemen Risiko) Untuk Pengurus bank bjb (Public 2023
Training-Luring) Jakarta, December 13,
Risk Management Workshop (Risk Management 2023
Certification Refreshment) for bank bjb Management
(Public Training-Offline)
Nia Kania Direktur Keuangan Executive Workshop Tahun 2023 Satukan Energi Bandung, 16 Januari bjb University
Director of Finance Untuk Memperkuat Sinergi dan Keunggulan 2023
Kompetitif Bandung, January 16,
Executive Workshop in 2023 Uniting Energy to 2023
Strengthen Synergy and Competitive Advantage
Executive Workshop 2023 Be One : Bersatu Kompak Bandung, 23 Juli 2023 bjb University
Kolaboratif Bandung, July 23, 2023
Executive Workshop 2023 Be One : United, Compact,
and Collaborative
Executive Workshop Tahun 2023 : Menjaga Bandung, 24 Juli 2023 bjb University
Momentum Pertumbuhan Bisnis Dalam Mencapai Bandung, July 24, 2023
Komitmen Tahun 2023 Melalui Fee Based Income
Kredit Yang Berkualitas
Executive Workshop 2023: Maintaining Business
Growth Momentum in Achieving 2023 Commitments
Through Quality Fee Based Income Credit
Overseas Program International Conference On Tokyo, 4 November PT Sinergi Indonesia
Economics Finance and Accounting (ICEFA) 2023 Pintar
Overseas Program International Conference On Tokyo, November 4,
Economics Finance and Accounting (ICEFA) 2023
Laporan Tahunan 2023
672 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 164
CORPORATE
GOVERNANCE
Jenis Pelatihan dan Materi Pengembangan Waktu dan tempat
Nama Jabatan Kompetensi /Pelatihan Pelaksanaan Penyelenggara
Name Position Types of Training and Competency Implementation Time Organizer
Development/Training Materials and Place
Risk Management Workshop (Refreshment Sertifikasi Jakarta, 13 Desember TD Consultant
Manajemen Risiko) Untuk Pengurus bank bjb (Public 2023
Training-Luring) Jakarta, December 13,
Risk Management Workshop (Risk Management 2023
Certification Refreshment) for bank bjb Management
(Public Training-Offline)
Suartini Direktur Konsumer & Executive Workshop Tahun 2023 Satukan Energi Bandung, 16 Januari bjb University
Ritel Untuk Memperkuat Sinergi dan Keunggulan 2023
Director of Consumer Kompetitif Bandung, January 16,
& Retail Executive Workshop in 2023 Uniting Energy to 2023
Strengthen Synergy and Competitive Advantage
Talkshow BPD-SI : Tantangan dan Peluang BPD Ke Padang, 8 Maret 2023 ASBANDA
Depan Di Era Layanan Keuangan Digital Padang, March 8, 2023
BPD-SI Talkshow: Future Challenges and Opportunities
for BPD in the Era of Digital Financial Services
Executive Workshop 2023 Be One : Bersatu Kompak Bandung, 23 Juli 2023 bjb University
Kolaboratif Bandung, July 23, 2023
Executive Workshop 2023 Be One : United, Compact,
and Collaborative
Executive Workshop Tahun 2023 : Menjaga Bandung, 24 Juli 2023 bjb University
Momentum Pertumbuhan Bisnis Dalam Mencapai Bandung, July 24, 2023
Komitmen Tahun 2023 Melalui Fee Based Income
Kredit Yang Berkualitas
Executive Workshop 2023: Maintaining Business
Growth Momentum in Achieving 2023 Commitments
Through Quality Fee Based Income Credit
Seminar Nasional BPD-SI Corporate Digital Culture : Makassar, 30 Agustus ASBANDA
Digital Transformation Leader 2023
BPD-SI National Seminar on Corporate Digital Culture: Makassar, August 30,
Digital Transformation Leader 2023
The 10th International Certified Wealth Manager New York, 21 Oktober CWMA (Certified
(CWM) & Continuing Professional Development (CPD) 2023 Wealth Managament
The 10th International Certified Wealth Manager New York, October 21, Association)
(CWM) & Continuing Professional Development (CPD) 2023
Risk Management Workshop (Refreshment Sertifikasi Jakarta, 13 Desember TD Consultant
Manajemen Risiko) Untuk Pengurus bank bjb (Public 2023
Training-Luring) Jakarta, December 13,
Risk Management Workshop (Risk Management 2023
Certification Refreshment) for bank bjb Management
(Public Training-Offline)
Tedi Setiawan Direktur Operasional Executive Workshop Tahun 2023 Satukan Energi Bandung, 16 Januari bjb University
Director of Untuk Memperkuat Sinergi dan Keunggulan 2023
Operations Kompetitif Bandung, January 16,
Executive Workshop in 2023 Uniting Energy to 2023
Strengthen Synergy and Competitive Advantage
Executive Workshop 2023 Be One : Bersatu Kompak Bandung, 23 Juli 2023 bjb University
Kolaboratif Bandung, July 23, 2023
Executive Workshop 2023 Be One : United, Compact,
and Collaborative
Executive Workshop Tahun 2023 : Menjaga Bandung, 24 Juli 2023 bjb University
Momentum Pertumbuhan Bisnis Dalam Mencapai Bandung, July 24, 2023
Komitmen Tahun 2023 Melalui Fee Based Income
Kredit Yang Berkualitas
Executive Workshop 2023: Maintaining Business
Growth Momentum in Achieving 2023 Commitments
Through Quality Fee Based Income Credit
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 673
Page 165
TATA KELOLA
PERUSAHAAN
Jenis Pelatihan dan Materi Pengembangan Waktu dan tempat
Nama Jabatan Kompetensi /Pelatihan Pelaksanaan Penyelenggara
Name Position Types of Training and Competency Implementation Time Organizer
Development/Training Materials and Place
Gartner Reimagine HR Conference The Premiere Sydney, 1 Desember PT Sinergi Indonesia
Conference For Chros & Their HR Leadership Teams 2023 Pintar
Gartner Reimagine HR Conference The Premiere Sydney, December 1,
Conference For Chros & Their HR Leadership Teams 2023
Risk Management Workshop (Refreshment Sertifikasi Jakarta, 13 Desember TD Consultant
Manajemen Risiko) Untuk Pengurus bank bjb (Public 2023
Training-Luring) Jakarta, December 13,
Risk Management Workshop (Risk Management 2023
Certification Refreshment) for bank bjb Management
(Public Training-Offline)
Rio Lanasier Direktur Information Executive Workshop Tahun 2023 Satukan Energi Bandung, 16 Januari bjb University
Technology, Treasury Untuk Memperkuat Sinergi dan Keunggulan 2023
& International Kompetitif Bandung, January 16,
Banking Executive Workshop in 2023 Uniting Energy to 2023
Director of Strengthen Synergy and Competitive Advantage
Information
Technology, Treasury Executive Workshop 2023 Be One : Bersatu Kompak Bandung, 23 Juli 2023 bjb University
& International Kolaboratif Bandung, July 23, 2023
Banking Executive Workshop 2023 Be One : United, Compact,
and Collaborative
Executive Workshop Tahun 2023 : Menjaga Bandung, 24 Juli 2023 bjb University
Momentum Pertumbuhan Bisnis Dalam Mencapai Bandung, July 24, 2023
Komitmen Tahun 2023 Melalui Fee Based Income
Kredit Yang Berkualitas
Executive Workshop 2023: Maintaining Business
Growth Momentum in Achieving 2023 Commitments
Through Quality Fee Based Income Credit
The 10th International Certified Wealth Manager New York, 21 Oktober CWMA (Certified
(CWM) & Continuing Professional Development (CPD) 2023 Wealth Managament
The 10th International Certified Wealth Manager New York, October 21, Association)
(CWM) & Continuing Professional Development (CPD) 2023
Risk Management Workshop (Refreshment Sertifikasi Jakarta, 13 Desember TD Consultant
Manajemen Risiko) Untuk Pengurus bank bjb (Public 2023
Training-Luring) Jakarta, December 13,
Risk Management Workshop (Risk Management 2023
Certification Refreshment) for bank bjb Management
(Public Training-Offline)
Nancy Direktur Komersial Executive Workshop Tahun 2023 Satukan Energi Bandung, 16 Januari bjb University
Adistyasari dan Usaha Mikro Untuk Memperkuat Sinergi dan Keunggulan 2023
Kecil dan Menengah Kompetitif Bandung, January 16,
Director of Executive Workshop in 2023 Uniting Energy to 2023
Commercial and Strengthen Synergy and Competitive Advantage
Micro, Small and
Medium Enterprises Executive Workshop 2023 Be One : Bersatu Kompak Bandung, 23 Juli 2023 bjb University
Kolaboratif Bandung, July 23, 2023
Executive Workshop 2023 Be One : United, Compact,
and Collaborative
Executive Workshop Tahun 2023 : Menjaga Bandung, 24 Juli 2023 bjb University
Momentum Pertumbuhan Bisnis Dalam Mencapai Bandung, July 24, 2023
Komitmen Tahun 2023 Melalui Fee Based Income
Kredit Yang Berkualitas
Executive Workshop 2023: Maintaining Business
Growth Momentum in Achieving 2023 Commitments
Through Quality Fee Based Income Credit
Executive Workshop International Conference - Barcelona, 18 TD Consultant
Building Strategies In Business Development & November 2023
Management Barcelona, November
Executive Workshop International Conference - 18, 2023
Building Strategies In Business Development &
Management
Laporan Tahunan 2023
674 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 166
CORPORATE
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Jenis Pelatihan dan Materi Pengembangan Waktu dan tempat
Nama Jabatan Kompetensi /Pelatihan Pelaksanaan Penyelenggara
Name Position Types of Training and Competency Implementation Time Organizer
Development/Training Materials and Place
Risk Management Workshop (Refreshment Sertifikasi Jakarta, 13 Desember TD Consultant
Manajemen Risiko) Untuk Pengurus bank bjb (Public 2023
Training-Luring) Jakarta, December 13,
Risk Management Workshop (Risk Management 2023
Certification Refreshment) for bank bjb Management
(Public Training-Offline)
Program Orientasi Bagi Direksi Baru Orientation Program for New Directors
Program pengenalan Direksi dilaksanakan bagi anggota Direksi The Directors introduction program is implemented for new
yang baru diangkat oleh RUPS untuk mendapat informasi members of the of Directors appointed by the GMS to obtain
mengenai Perseroan di dalam mendukung pelaksanaan tugas information about the Company in supporting the implementation
dan tanggung jawabnya. Berdasarkan Peraturan Otoritas of its duties and responsibilities. Based on the OJK Regulation No.
Jasa Keuangan Nomor 35/POJK.04/2014 tentang Sekretaris 35/POJK.04/2014 concerning Corporate Secretary of Issuers or
Perusahaan Emiten atau Perusahaan Publik, bahwa fungsi Public Companies, that the Corporate Secretary function has the
Sekretaris Perusahan memiliki tugas dan tanggung jawab untuk duty and responsibility to carry out an induction program for the
melaksanakan program orientasi (induction program) bagi Direksi newly appointed Directors and/or Board of Commissioners. The
dan/atau Dewan Komisaris yang baru diangkat. Adapun program program aims to provide an overview of business activities, the
tersebut bertujuan untuk memberikan gambaran atas kegiatan Company’s future plans, work guidelines and others that are the
bisnis, rencana Perseroan ke depan, panduan kerja dan lainnya responsibility of the Management which can be in the form of
yang menjadi tanggung jawab Pengurus yang dapat berupa submission of Company documents including:
penyampaian dokumen Perseroan diantaranya:
1. Laporan Tahunan. 1. Annual Report.
2. Rencana Bisnis Bank. 2. Bank Business Plan.
3. Anggaran Dasar. 3. Articles of Association.
4. Kebijakan Tata Kelola Perusahaan. 4. Corporate Governance Policy.
5. Kebijakan Tata Tertib Kerja Direksi. 5. The Board of Directors' Work Rules Policy.
6. Kebijakan Perkreditan Bank. 6. Bank Credit Policy.
7. Standar Operasional Prosedur Pengelolaan Penghasilan, 7. Standard Operational Procedures for Management of Income,
Tunjangan dan Fasilitas Dewan Komisaris dan Direksi. Allowances and Facilities for the Board of Commissioners and
Directors.
Selama tahun 2023 tidak terdapat Direksi baru sehingga tidak During 2023 there were no new Directors so there was no
terdapat pelaksanaan program orientasi bagi Direksi baru. implementation of an orientation program for new Directors.
Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and
Serta Keputusan Direksi Responsibilities and Decisions of The Board
of Directors
Sepanjang tahun 2023, Direksi telah melaksanakan tugas Throughout 2023, the Board of Directors has carried out bank
kepengurusan bank bjb sebagaimana tercantum di Anggaran bjb management duties as stated in the Company's Articles of
Dasar Perseroan, di antaranya: Association, including:
1. Melaksanakan kepengurusan Bank. 1. Implement the management of the Bank.
2. Pengelolaan aset dan keuangan Bank. 2. Management of Company assets and finances.
3. Penyusunan perencanaan perusahaan antara lain RBB 2024 3. Preparation of corporate plans, including the RBB 2022 yang
yang diantaranya memuat strategi Perseroan, rencana kerja diantaranya memuat strategi Perseroan, rencana kerja dan
dan anggaran tahunan, dan target-target Perseroan. anggaran tahunan, dan target-target Perseroan.
4. Penyelenggaraan rapat Direksi, menghadiri rapat Dewan 4. Organizing Board of Directors meetings, attending Board of
Komisaris dan RUPS. Commissioners meetings and GMS.
5. Pengawasan pelaksanaan strategi dan perbaikan proses bisnis 5. Pengawasan pelaksanaan strategi dan perbaikan proses bisnis
internal. internal.
6. Menetapkan Manajemen Risiko dan prinsip – prinsip GCG. 6. Establish Risk Management and GCG principles.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 675
Page 167
TATA KELOLA
PERUSAHAAN
7. Pemenuhan target kinerja Bank. 7. Fulfillment of the Bank's performance targets.
8. Pelaksanaan tugas lainnya terkait kepengurusan Bank. 8. Implementation of other tasks related to the management of
the Bank.
Sebagai bagian dari pelaksanaan tugas dan tanggung jawabnya, Sebagai bagian dari pelaksanaan tugas dan tanggung jawabnya,
Direksi terus berupaya untuk mendorong pelaksanaan Direksi terus berupaya untuk mendorong pelaksanaan
pengawasan yang semakin efektif. Selama 2023, Direksi telah pengawasan yang semakin efektif. Selama 2023, Direksi telah
mengeluarkan beberapa keputusan dan persetujuan, antara lain : mengeluarkan beberapa keputusan dan persetujuan, antara lain :
Sebagai bagian dari pelaksanaan tugas dan tanggung jawabnya, As part of carrying out its duties and responsibilities, the Board
Direksi terus berupaya untuk mendorong pelaksanaan of Directors continues to strive to encourage more effective
pengawasan yang semakin efektif. Selama 2023, Direksi telah supervision. During 2023, the Board of Directors has issued 496
mengeluarkan 496 keputusan dan persetujuan, antara lain: decisions and approvals, among others:
Nomor Surat Tentang
Letter Number Concern
Ketentuan biaya dan limit kartu ATM dan/atau Kartu Debet, Delivery Channel, Uang Elekronik serta Quick Respond Code
Indonesian Standard (QRIS)
0025/SK/DIR-DDB/2023
Fees and limits for ATM cards and/or Debit Cards, Delivery Channels, Electronic Money and Quick Response Code
Indonesian Standard (QRIS)
SOP Penerapan Program Anti Pencucian Uang, Pencegahan Pendanaan Terorisme dan Pencegahan Pendanaan Proliferasi
Senjata Pemusnah Massal (SOP Penerapan Program APU, PPT dan PPPSPM)
0499/SK/DIR-KAP/2023
SOP for Implementation of Anti-Money Laundering Programs, Prevention of Terrorism Financing and Prevention of
Funding for the Proliferation of Weapons of Mass Destruction (SOP for Implementation of AML, CFT and CPF Programs)
SOP Perencanaan Bisnis Bank
0103/SK/DIR-PST/2023
Bank Business Planning SOP
Ketentuan suku bunga dan biaya produk divisi kredit UMKM
0136/SK/DIR-UKM/2023
Terms of interest rates and product fees for the MSME credit division
Parameter Profil Risiko Operasional, Risiko Strategik, Resiko Reputasi, Risiko Kepatuhan dan Risiko Hukum
0147/SK/DIR-MRI/2023
Operational Risk Profile Parameters, Strategic Risk, Reputation Risk, Compliance Risk and Legal Risk
Rotasi Mutasi dan Promosi
0149/SK/DIR-HCA/2023
Rotation of Transfers and Promotions
Atribut Jabatan (Level Jabatan, Jenis Jabatan, Kelompok Jabatan dan Critical Job)
0150/SK/DIR-HCA/2023
Position Attributes (Position Level, Position Type, Position Group and Critical Job)
Standar Perjanjian Kredit bank bjb
0154/SK/DIR-OPE/2023
Bank bjb Credit Agreement Standards
Perubahan Ketentuan Setoran dan Biaya DPLK bank bjb
0156/SK/DIR-DPL/2023
Changes in Bank BJB DPLK Deposit Conditions and Fees
Manual produk Kredit Skema Subsisdi Resi Gudang
0157/SK/DIR-KUM/2023
Warehouse Receipt Subsidy Credit Scheme product manual
Perhitungan Tingkat Bunga Sistem Rekening Antar Kantor SRAK
0162/SK/DIR-TRE/2023
SRAK Interoffice Account System Interest Rate Calculation
SOP Pengelolaan Penghasilan dan Fasilitas Kepegawaian
0171/SK/DIR-HCA/2023
SOP for Management of Income and Personnel Facilities
Perubahan Pedoman Sistem Manajemen Anti Penyuapan (SMAP)
0176/SK/DIR-KAP/2023
Changes to Anti-Bribery Management System (SMAP) Guidelines
Limit Kewenangan Approval Transaksi Operasional dan transaksi DPLK
0203/SK/DIR-DPL/2023
Limit of Authority for Approval of Operational Transactions and DPLK transactions
Perubahan Standar Operasional Prosedur (SOP) Segmen Komersial
0212/SK/DIR-KOM/2023
Changes to Commercial Segment Standard Operating Procedures (SOP).
Penerapan Single Cost Biaya Provisi dan Administrasi Kredit Segmen Komersial
0213/SK/DIR-KOM/2023
Implementation of Single Cost Provision and Administration Fees for Commercial Segment Credit
Laporan Tahunan 2023
676 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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CORPORATE
GOVERNANCE
Nomor Surat Tentang
Letter Number Concern
SOP Trade Finance and Trade Services
0214/SK/DIR-IBA/2023
SOP Trade Finance and Trade Services
Pedoman Perhitungan Aset Tertimbang Menurut Risiko ( ATMR) untuk Risiko Kredit dengan menggunakan pendekatan
0227/SK/DIR-MRI/2023 Standar
Guidelines for Calculating Risk Weighted Assets (RWA) for Credit Risk using the Standard approach
Petunjuk Teknis Penyaluran Gaji ASN, Prajurit TNI, Anggota Polri dan Pejabat Negara Secara Terpusat Melalui Aplikasi
Sistem Perbendaharaan dan Anggaran Negara (SPAN)
0238/SK/DIR-OPE/2023
Technical Instructions for Centralized Distribution of Salaries for ASN, TNI Soldiers, Police Members and State Officials
Through the State Treasury and Budget System (SPAN) Application
Pembayaran Sebagian Gaji Pegawai Dalam Bentuk bjb Digicash
0263/SK/DIR-HCA/2023
Partial payment of employee salaries in the form of bjb Digicash
Pedoman Penentuan Nilai Kekayaan dan Distribusi Hasil Investasi Dana Pensiun Lembaga Keuangan (DPLK)
0264/SK/DIR-DPL/2023 Guidelines for Determining Wealth Value and Distribution of Investment Results from Financial Institution Pension Funds
(DPLK)
Struktur Konglomerasi Keuangan PT Bank Pembagunan Daerah Jawa Barat dan Banten, Tbk.
0278/SK/DIR-MAP/2023
Structure of the Financial Conglomeration of PT Bank Pembangunan Daerah West Java and Banten, Tbk.
SOP Divisi Credit Risk
0279/SK/DIR-CRI/2023
Credit Risk Division SOP
Perubahan Nomenklatur Jabatan Pegawai Terhadap Struktur Organisasi Baru
0296/SK/DIR-HCA/2023
Changes in Nomenclature of Employee Positions Regarding the New Organizational Structure
Penetapan Parameter dan Limit Risiko Likuiditas Serta Kriteria Early Warning & Krisis Dalam rencana Pendanaan Darurat
0315/SK/DIR-TRE/2023
Determination of Liquidity Risk Parameters and Limits and Early Warning & Crisis Criteria in Emergency Funding Plans
Standar Operasional Prosedur Pengadaan Tanah dan/atau Bangunan
0326/SK/DIR-UMU/2023
Standard Operational Procedures for Land and/or Building Procurement
Ketentuan Pricing dan Delegasi Wewenang Penetapan Keringanan Pricing Kredit Kelolaan Divisi Korporasi
0332/SK/DIR-KKO/2023
Pricing Provisions and Delegation of Authority to Determine Credit Pricing Relief for Corporate Division Management
Limit Kewenangan Transaksi dan Budget Loss
0442/SK/DIR-TRE/2023
Transaction Authority Limits and Budget Losses
Kebijakan Penerapan Program Anti pencucian Uang, Pencegahan Pendanaan Terorisme dan Pencegahan Pendanaan
Proliferasi Senjata Pemusnah Massal (Kebijakan APU, PPT dan PPPSPM)
0484/SK/DIR-KPR/2023
Policy for Implementing Anti-Money Laundering Programs, Prevention of Terrorism Financing and Prevention of Funding
for the Proliferation of Weapons of Mass Destruction (AML, CFT and PFWMD Policies)
Pedoman Sistem Manajemen Layanan Teknologi Informasi
0522/SK/DIR-ITE/2023
Information Technology Service Management System Guidelines
Perubahan SOP Pengadaan Barang/Jasa
0523/SK/DIR-KPR/2023
Changes to SOP for Procurement of Goods/Services
Pedoman Pengelolaan Dana Corporate Social Responsibility (CSR)
0528/SK/DIR-CSE/2023
Guidelines for Managing Corporate Social Responsibility (CSR) Funds
Penilaian Kinerja Komite di Bawah Direksi Performance Assessment of the Committee
dan Dasar Penilaiannya Under the Directors and the Basis of the
Assessment
Dalam melaksanaan tugas kepengurusannya, Direksi juga dibantu In conducting its management tasks, the Directors is also assisted
oleh Komite di bawah Direksi sebanyak 6 (enam) Komite, yaitu: by Committees under the Directors. There are 6 (six) Committees,
namely:
1. Komite Manajemen Risiko 1. Risk Management Committee
2. Komite Kebijakan Perkreditan 2. Credit Policy Committee
3. Komite Pengarah Teknologi Informasi 3. Information Technology Steering Committee
4. Komite Manajemen Risiko Terintegrasi 4. Integrated Risk Management Committee
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5. Assets and Liability Committee (ALCO) 5. Assets and Liability Committee (ALCO)
6. Komite Risiko Permodalan 6. Capital Risk Committee
Prosedur penilaian kinerja Komite di bawah Direksi dilakukan The procedure for evaluating the performance of the Committees
oleh Direksi melalui rapat Direksi secara berkala. Adapun kriteria under the Board of Directors is carried out by the Board of
yang digunakan dalam penilaian Direksi terhadap kinerja Komite Commissioners periodically. The criteria that are used for
di bawah Direksi yaitu berdasarkan pelaksanaan tugas masing- evaluating the Directors to the performance of the Committees
masing Komite di bawah Direksi. Selama tahun 2023, Direksi under the Directors are based on the implementation of respective
menilai bahwa komite di bawah Direksi telah menjalankan tugas duties of the Committees under the Directors. Throughout 2023,
dan tanggungjawabnya dengan baik. the Directors evaluated that the committees under the Directors
have conducted their duties and responsibilities properly.
Mekanisme Pengunduran Diri dan Mechanism of Self Resignation and
Pemberhentian Direksi Termination of the Directors
Anggota Direksi diangkat dan diberhentikan oleh RUPS dengan Members of the Directors are appointed and dismissed by the
persyaratan dan tata cara yang telah ditetapkan di dalam Anggaran GMS with the requirements and procedures set out in the Articles
Dasar serta peraturan perundang-undangan yang berlaku. Direksi of Association and applicable laws and regulations. Directors are
diangkat untuk jangka waktu tertentu dan berakhir apabila: appointed for a certain period and end if:
1. Kehilangan Kewarganegaraan Indonesia. 1. Loss of Indonesian Citizenship.
2. Mengundurkan diri dengan memperhatikan ketentuan yang 2. Resign by observing the applicable provisions.
berlaku.
3. Meninggal dunia. 3. Passed away.
4. Masa jabatannya berakhir, kecuali diangkat kembali sesuai 4. His term of office expires, unless reappointed in accordance
dengan ketentuan yang berlaku. with applicable regulations.
5. Diberhentikan berdasarkan keputusan RUPS atas dasar: 5. Dismissed based on the GMS decision on the basis of:
a. Tidak lagi memenuhi persyaratan yang berlaku. a. No longer meets the applicable requirements.
b. Tidak menjalankan fungsinya dengan baik sesuai dengan b. Not carrying out its functions properly in accordance with
ketentuan yang berlaku. applicable regulations.
Dewan Komisaris Board of Commissioners
Dewan Komisaris merupakan organ perusahaan yang bertugas The Board of Commissioners is a corporate organ that has the
dan bertanggung jawab secara kolektif kolegial untuk melakukan collegial duty and collective responsibility to supervise and provide
pengawasan dan memberikan nasihat kepada Direksi serta advice to the Directors and ensure that the Company implements
memastikan bahwa Perseroan melaksanakan GCG pada GCG at all levels or levels of the organization. In carrying out its
seluruh tingkatan atau jenjang organisasi. Dalam melaksanakan duties, the Board of Commissioners is responsible to the GMS.
tugas, Dewan Komisaris bertanggung jawab kepada RUPS. The responsibility of the Board of Commissioners to the General
Pertanggungjawaban Dewan Komisaris kepada RUPS merupakan Meeting of Shareholders is a manifestation of the accountability of
perwujudan akuntabilitas pengawasan atas pengelolaan supervision over the management of the company in the context
perusahaan dalam rangka pelaksanaan prinsip-prinsip GCG. of implementing GCG principles.
Dalam menjalankan kegiatannya Dewan Komisaris memerlukan In carrying out its activities the Board of Commissioners requires a
suatu pedoman dan tata tertib kerja agar tujuan tersebut dapat work guideline and code of conduct so that these objectives can be
dicapai secara efektif dan efisien. Pedoman dan tata tertib kerja achieved effectively and efficiently. The Board of Commissioners’
Dewan Komisaris ini diharapkan dapat menjadi panduan Dewan guidelines and work procedures are expected to be a guide for
Komisaris dalam melaksanakan tugas dan wewenangnya, yaitu the Board of Commissioners in carrying out their duties and
pengawasan Bank yang didasari pada prinsip Tata Kelola yang authorities, namely Company supervision based on the principles
baik (Good Corporate Governance). of Good Corporate Governance.
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Tugas dan Tanggung Jawab Dewan Duties and Responsibilities of The Board of
Komisaris Commissioners
Dewan Komisaris bertugas untuk menyelenggarakan pengawasan The Board of Commissioners has the duty to supervise
terhadap kebijakan pengurusan, jalannya pengurusan pada management policies, generally the management of the Company
umumnya baik mengenai Perseroan maupun usaha Perseroan. and the Company’s business. In carrying out its duties, the Board
Dalam melaksanakan tugasnya, Dewan Komisaris bertindak of Commissioners acts independently in accordance with the
secara independen sesuai dengan ketentuan di dalam Anggaran provisions in the Company’s Articles of Association and the
Dasar Perseroan serta keputusan RUPS dengan itikad baik, penuh resolutions of the GMS in good faith, full of responsibility and
tanggung jawab dan kehati-hatian. prudence.
Tanggung jawab Dewan Komisaris yang telah diatur dalam The responsibilities of the Board of Commissioners that have been
Pedoman dan Tata Tertib Kerja Dewan Komisaris yaitu: set out in the Board of Commissioners Charter are:
1. Dewan Komisaris wajib melaksanakan tugas dan tanggung 1. The Board of Commissioners must carry out their duties and
jawab secara independen. responsibilities independently.
2. Dewan Komisaris wajib memastikan penerapan tata kelola 2. The Board of Commissioners must ensure the application of
yang baik terselenggara dalam setiap kegiatan usaha bank good governance in all Bank business activities at all levels of
pada seluruh tingkatan atau jenjang organisasi. the organization.
3. Dewan Komisaris wajib melaksanakan pengawasan terhadap 3. The Board of Commissioners must exercise supervision over
pelaksanaan tugas dan tanggung jawab Direksi serta the implementation of the duties and responsibilities of the
memberikan nasihat kepada Direksi. Directors and provide advice to the Directors.
4. Dalam melaksanakan pengawasan tersebut, Dewan Komisaris 4. In carrying out this supervision, the Board of Commissioners is
wajib mengarahkan, memantau dan mengevaluasi perumusan obliged to direct, monitor and evaluate the formulation and
dan pelaksanaan kebijakan strategis Bank oleh Direksi. implementation of the Bank’s strategic policies by the Board
of Directors.
5. Dewan Komisaris dilarang ikut serta dalam pengambilan 5. The Board of Commissioners is prohibited from participating
keputusan kegiatan operasional bank, kecuali: in making decisions on bank operations, except:
a. Penyediaan dana kepada pihak terkait sebagaimana a. Provision of funds to related parties as stipulated in the
diatur dalam ketentuan mengenai batas maksimum provisions concerning the maximum lending limit for
pemberian kredit bank umum; dan commercial banks; and
b. Hal – hal lain yang ditetapkan dalam anggaran dasar Bank b. Other matters stipulated in the Company’s articles of
atau peraturan perundang – undangan. association or laws and regulations.
6. Pengambilan keputusan kegiatan operasional Bank 6. Decision making on the Company’s operational activities by
oleh Dewan Komisaris tersebut, merupakan bagian dari the Board of Commissioners was part of the supervisory duties
tugas pengawasan oleh Dewan Komisaris sehingga tidak by the Board of Commissioners so that it did not negate the
meniadakan tanggung jawab Direksi atas pelaksanaan responsibility of the Directors for the implementation of the
kepengurusan Bank. management of the Company.
7. Dewan Komisaris wajib memastikan bahwa Direksi telah 7. The Board of Commissioners must ensure that the Directors
menindaklanjuti temuan audit dan rekomendasi dari satuan has followed up on audit findings and recommendations from
kerja audit intern Bank, audit ekstern, hasil pengawasan the Bank’s internal audit work unit, external audit, the results
Otoritas Jasa Keuangan dan/atau hasil pengawasan otoritas of the supervision of the Financial Services Authority and/or
lain. the results of supervision of other authorities.
8. Dewan Komisaris melakukan tugas, tanggung jawab, dan 8. The Board of Commissioners carries out its duties,
wewenang sesuai dengan ketentuan Anggaran Dasar responsibilities, and authorities in accordance with the
Perseroan, Keputusan RUPS serta Peraturan Perundang- provisions of the Company’s Articles of Association, GMS
undangan yang berlaku, diantaranya: Decrees and the prevailing laws and regulations, including:
a. Menyusun dan melakukan evaluasi berkala atas Pedoman a. Prepare and conduct periodic evaluations of the Board
dan Tata Tertib kerja Dewan Komisaris yang bersifat of Commissioners Charter which are binding for each
mengikat bagi setiap anggota Dewan Komisaris. member of the Board of Commissioners.
b. Mengevaluasi dan menyetujui Rencana Bisnis Bank (RBB). b. Evaluate and approve the Bank’s Business Plan (RBB).
c. Berdasarkan keputusan RUPS, Dewan Komisaris menunjuk c. Based on the GMS decision, the Board of Commissioners
Kantor Akuntan Publik atas rekomendasi Komite Audit appoints a Public Accountant office on the
untuk melakukan audit atas laporan keuangan Perseroan. recommendation of the Audit Committee to conduct an
audit of the Company’s financial statements.
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9. Dewan Komisaris wajib membentuk Komite – komite dan 9. The Board of Commissioners must establish Committees and
memastikan bahwa Komite tersebut telah menjalankan ensure that the Committee has carried out its duties effectively
tugasnya secara efektif sesuai dengan peraturan perundangan in accordance with applicable laws and regulations.
yang berlaku.
10. Mengkaji dan menyetujui kebijakan-kebijakan yang menurut 10. Review and approve policies which according to the applicable
peraturan perundangan yang berlaku wajib memerlukan laws and regulations require approval from the Board of
persetujuan Dewan Komisaris. Commissioners.
11. Mengkaji pertanggungjawaban Direksi atas pelaksanaan 11. Review the responsibilities of the Directors for the
kebijakan-kebijakan yang telah disetujui. implementation of agreed policies.
12. Membuat laporan tentang tugas pengawasan yang telah 12. Make a report on the supervisory tasks that have been carried
dilakukan selama tahun buku yang baru lampau untuk out during the new financial year to be submitted to the GMS.
disampaikan kepada RUPS.
13. Mengevaluasi laporan tahunan yang dipersiapkan oleh Direksi 13. Evaluate the annual report prepared by the Directors and sign
serta menandatangani laporan tersebut. Penelaahan laporan the report. An annual report review is conducted prior to the
tahunan dilakukan sebelum pelaksanaan RUPS. GMS.
14. Dewan Komisaris wajib melaporkan kepada Otoritas Jasa 14. The Board of Commissioners must report to the Financial
Keuangan paling lambat 7 (tujuh) hari kerja semenjak Services Authority no later than 7 (seven) working days since
ditemukannya: the discovery of:
a. Pelanggaran peraturan perundang-undangan di bidang a. Violations of laws and regulations in the financial and
keuangan dan perbankan; dan banking sector; and
b. Keadaan atau perkiraan keadaan yang dapat b. Circumstances or estimates of conditions that could
membahayakan kelangsungan usaha Bank, yang endanger the business continuity of the Bank, based on
didasarkan pada temuan maupun rekomendasi dari the findings or recommendations of the Committees
Komite-komite yang membantu Dewan Komisaris dalam that assist the Board of Commissioners in supervising the
pengawasan operasional Bank. Hal-hal yang wajib Company’s operations. Matters that must be reported
dilaporkan di atas yang belum atau tidak dilaporkan oleh above that have not been or not reported by the Company
Bank dan/atau Direktur Kepatuhan kepada Otoritas Jasa and/or Director of Compliance to the Financial Services
Keuangan. Authority.
15. Menentukan dan melaksanakan sistem nominasi, evaluasi, 15. Determine and implement a transparent nomination,
remunerasi yang transparan bagi Pengurus setelah evaluation and remuneration system for Management after
mempertimbangkan rekomendasi Komite Nominasi dan considering the recommendations of the Nomination and
Remunerasi yang selanjutnya diajukan untuk memperoleh Remuneration Committee which are then submitted to obtain
persetujuan RUPS. GMS approval.
16. Tugas dan Tanggung Jawab Dewan Komisaris selaku Dewan 16. Duties and Responsibilities of the Board of Commissioners as
Pengawas DPLK. the DPLK Supervisory Board.
a. Bertanggung jawab penuh atas pengawasan DPLK. a. Fully responsible for the supervision of DPLK.
b. Memantau efektivitas penerapan tata kelola dana b. Monitor the effectiveness of implementing pension fund
pensiun. governance.
c. Memastikan struktur pengendalian internal dana pensiun c. Ensuring the internal control structure of pension funds
telah dapat dilaksanakan dengan baik. has been implemented properly.
d. Melaksanakan tugas dan tanggung jawab Dewan d. Carry out the duties and responsibilities of the Supervisory
Pengawas sebagaimana diatur dalam Peraturan Dana Board as stipulated in the Pension Fund Regulations (PDP)
Pensiun (PDP) dan ketentuan perundang – undangan di and the provisions of legislation in the field of pension
bidang dana pensiun secara independen. funds independently.
e. Memastikan pelaksanaan audit internal maupun audit e. Ensure that internal and external audits are carried out in
eksternal telah dilaksanakan sesuai dengan ketentuan accordance with applicable regulations.
yang berlaku.
f. Memastikan tindak lanjut temuan hasil audit dilaksanakan f. Ensuring follow-up on audit findings carried out by
oleh manajemen. management.
g. Mengawasi Pelaksana Tugas Pengurus dalam menjaga g. Overseeing the Implementing Duties of the Management
keseimbangan kepentingan semua pihak, khususnya in maintaining the balance of the interests of all parties, in
kepentingan Peserta dan/atau pihak yang berhak particular the interests of participants and/or parties entitled
memperoleh manfaat. to benefit.
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h. Memastikan bahwa DPLK memiliki kode etik sebagai h. Ensure that DPLK has a code of ethics as a guideline for
pedoman perilaku etis bagi Dewan Pengawas, Pelaksana ethical behavior for the Supervisory Board, Implementing the
Tugas Pengurus, dan seluruh karyawan. Management Duties, and all employees.
i. Menyusun dan menerapkan mekanisme pengawasan i. Develop and implement a DPLK supervision mechanism.
DPLK.
j. Menyusun laporan hasil pengawasan Dewan Pengawas j. Prepare a report on the results of the Supervisory Board of the
atas penerapan Tata Kelola Dana Pensiun yang Supervisory Board on the implementation of the Pension Fund
merupakan bagian dari laporan penerapan Tata Kelola Governance which is part of the report on the implementation
Dana Pensiun. of the Pension Fund Governance.
Tugas dan Tanggung Jawab Komisaris Utama Duties and Responsibilities of the President
Commissioner
1. Bertanggung jawab sebagai Koordinator umum Dewan 1. Responsible as general coordinator of the Board of
Komisaris. Commissioners.
2. Melakukan pemanggilan Rapat Dewan Komisaris secara 2. Call for a Board of Commissioners Meeting in writing which is
tertulis yang disampaikan kepada seluruh anggota Dewan delivered to all members of the Board of Commissioners.
Komisaris.
3. Memimpin rapat Dewan Komisaris dan rapat Dewan Komisaris 3. Chair meetings of the Board of Commissioners and meetings
bersama Direksi. of the Board of Commissioners with the Directors.
4. Mengkoordinasikan serta memastikan pelaksanaan tugas dan 4. Coordinate and ensure the implementation of the duties and
tanggung jawab Dewan Komisaris sesuai ketentuan yang responsibilities of the Board of Commissioners in accordance
berlaku. with applicable regulations.
Wewenang Dewan Komisaris Authority of the Board of Commissioners
Wewenang Dewan Komisaris berdasarkan Pedoman dan Tata The authority of the Board of Commissioners based on the Board
Tertib Dewan Komisaris adalah sebagai berikut: of Commissioners Guidelines and Rules are as follows:
1. Secara bersama-sama maupun sendiri-sendiri setiap waktu 1. Together or individually at any time during working hours the
dalam jam kerja Bank berhak memasuki bangunan dan Company has the right to enter buildings and yards or other
halaman atau tempat lain yang dipergunakan atau yang places used or controlled by the Company and has the right to
dikuasai oleh Bank dan berhak memeriksa semua pembukuan, check all books, letters and other evidence, inventory, check
surat dan alat bukti lainnya, persediaan barang, memeriksa and match the situation cash (for verification purposes) and
dan mencocokkan keadaan uang kas (untuk keperluan other securities and have the right to know all actions taken
verifikasi) dan lain-lain surat berharga serta berhak untuk by the Directors.
mengetahui segala tindakan yang dijalankan oleh Direksi.
2. Memberikan pendapat dan nasihat/saran kepada Direksi 2. Providing opinions and advice/suggestions to the Directors
mengenai setiap persoalan yang dianggap penting dalam regarding any issues deemed important in the management
pengelolaan Bank. of the Bank.
3. Memberikan tanggapan atas laporan mengenai 3. Provide responses to reports on the development of
perkembangan kinerja dari Direksi secara berkala. performance from the Directors on a regular basis.
4. Mengajukan pertanyaan kepada Direksi terkait kegiatan 4. Asking questions to the Directors regarding the Company’s
operasional Bank serta berhak meminta akses informasi. operational activities and has the right to request access to
information.
5. Dewan Komisaris dapat memberhentikan sementara waktu 5. The Board of Commissioners may temporarily dismiss if one
apabila seorang atau lebih anggota Direksi bertindak or more members of the Directors act contrary to the Articles
bertentangan dengan Anggaran Dasar atau terdapat indikasi of Association or there is an indication of committing a loss
melakukan kerugian Bank atau melalaikan kewajibannya to the Company or neglecting its obligations or there is
atau terdapat alasan yang mendesak bagi Bank dengan an urgent reason for the Company by taking into account
memperhatikan ketentuan yang berlaku. applicable regulations.
6. Menyelenggarakan RUPS, bila dalam jangka waktu 6. Organize the GMS, if within the period specified in accordance
yang ditentukan sesuai ketentuan yang berlaku, tidak with applicable provisions, it is not held by the Directors.
diselenggarakan oleh Direksi.
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7. Memberikan persetujuan untuk: 7. Give consent to:
a. Rencana Bisnis Bank. a. Bank Business Plan.
b. Penyediaan dana kepada pihak terkait sebagaimana b. Provision of funds to related parties as stipulated in the
diatur dalam ketentuan Peraturan Otoritas Jasa Keuangan provisions of the Financial Services Authority Regulation
tentang Batas Maksimum Pemberian Kredit Umum/BMPK on the Legal Lending Limit/LLL and other matters
dan hal – hal lain yang ditetapkan dalam anggaran dasar stipulated in the articles of association of the Company or
Bank atau peraturan perundangan yang berlaku. applicable laws and regulations.
c. Kebijakan Bank. c. Bank Policy.
d. Struktur organisasi Bank. d. Bank’s organizational structure.
e. Mengadakan kerjasama Bangun Guna Serah (Built, e. Establishing Build, Operate and Transfer (BOT)
Operate and Transfer/BOT), Bangun Guna Milik (Built, cooperation, Build, Operate and Own (BOO), and other
Operate and Own/BOO), dan perjanjian-perjanjian lain agreements that have the same nature.
yang mempunyai sifat yang sama.
f. Mengambil bagian atau ikut serta dalam Perseroan atau f. Take part or participate in the Company or other bodies
badan-badan lain atau menyelenggarakan Perusahaan or organize a new Company that is not in the context
baru yang tidak dalam rangka penyelamatan piutang, of saving receivables, in accordance with applicable
sesuai dengan ketentuan yang berlaku. regulations.
g. Melepaskan sebagian atau seluruhnya penyertaan g. Give up part or all of the Company’s participation in the
Perseroan dalam Perusahaan atau badan-badan lain. Company or other bodies.
h. Perbuatan untuk melakukan: h. Actions to do:
1) Penggunaan cadangan untuk penghapusan kredit 1) Use of reserves to write off credit to related parties as
kepada pihak terkait sebagaimana diatur dalam stipulated in the Legal Lending Limit/LLL for General
ketentuan Batas Maksimum Pemberian Kredit Umum/ Loan or applicable laws and regulations
BMPK atau peraturan perundangan yang berlaku
2) Hapus tagih terhadap pokok kredit yang diberikan 2) Write off the loan principal granted to related parties
kepada pihak terkait sesuai dengan peraturan in accordance with applicable laws and regulations
perundangan yang berlaku
i. Perbuatan hukum untuk mengalihkan atau menjadikan i. Legal actions to transfer or make debt collateral less than
jaminan utang kurang dari 50% (lima puluh persen) dari 50% (fifty percent) of the total net assets of the Company
seluruh jumlah kekayaan bersih Bank baik dalam satu either in one transaction, or several transactions that are
transaksi, atau beberapa transaksi yang berdiri sendiri independent or related to each other that occur within a
ataupun yang berkaitan satu sama lain yang terjadi dalam period of 1 (one) year books, or a longer period of time as
jangka waktu 1 (satu) tahun buku, atau jangka waktu stipulated in the articles of association of the Bank.
yang lebih lama sebagaimana diatur dalam anggaran
dasar Bank.
j. Rencana akuisisi, pendirian, penghapusan, atau j. Plans for acquisition, establishment, writeoff or
penghentian bisnis Bank. termination of the Bank’s business.
k. Kebijakan lainnya yang menurut peraturan perundangan k. Other policies that according to the applicable laws and
yang berlaku wajib mendapat persetujuan Dewan regulations must obtain the approval of the Board of
Komisaris Commissioners
8. Mengevaluasi dan menyetujui rencana kerja tahunan dari 8. Evaluate and approve the annual work plan of each Committee
masing-masing Komite yang dibentuknya. that is formed.
9. Menyetujui pengangkatan dan/atau penggantian Kepala 9. Approve the appointment and/or replacement of the Head of
Satuan Kerja Audit Internal (SKAI). Internal Audit Work Unit (SKAI).
10. Apabila seluruh anggota Direksi diberhentikan sementara dan 10. If all members of the Directors are suspended and the
Bank tidak mempunyai seorangpun anggota Direksi, maka Company does not have a singlemember of the Directors, the
untuk sementara Dewan Komisaris diwajibkan mengurus Board of Commissioners is temporarily required to take care
Bank. Dalam hal demikian, Dewan Komisaris berhak untuk of the Company. In such case the Board of Commissioners has
memberikan kekuasaan sementara kepada seorang atau lebih the right to give temporary authority to one or more of them
di antara mereka atas tanggungan mereka bersama. on their joint responsibility.
11. Dalam hal jumlah anggota Dewan Komisaris kurang dari 3 11. In the event that the number of members of the Board of
(tiga) orang dan/atau terjadi kekosongan Komisaris Utama, Commissioners is less than 3 (three) people and/or there
maka segala tugas dan wewenang tidak dapat dilakukan is a vacancy of the President Commissioner, all tasks and
secara sendiri-sendiri melainkan berdasarkan keputusan authorities cannot be carried out individually but based on the
Dewan Komisaris, sampai dengan terpenuhinya komposisi decision of the Board of Commissioners, until the composition
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keanggotaan Dewan Komisaris sesuai dengan ketentuan of the Board of Commissioners’ membership is fulfilled in
yang berlaku. accordance with applicable provision.
12. Tugas Khusus 12. Special Duties
a) Pemberian tugas khusus kepada seorang anggota a) Granting special duties to a member of the Board of
Dewan Komisaris atau anggota Komite bukan anggota Commissioners or member of the Committees that is not
Dewan Komisaris dilakukan melalui perintah tertulis dari member of the Board of Commissioners is conducted by
Komisaris Utama berdasarkan keputusan rapat Dewan a written instruction from the President Commissioner
Komisaris. based on decision of the Board of Commissioners’
meeting.
b) Anggota Dewan Komisaris atau anggota komite yang b) Member of the Board of Commissioners or member of the
diberi tugas harus menyampaikan laporan pelaksanaan Committees that is assigned must submit report of special
tugas khusus kepada Komisaris Utama. task implementation to the President Commissioner.
Hak Dewan Komisaris Board of Commissioners ‘Rights
Dewan Komisaris mempunyai hak untuk: The Board of Commissioners has the right to:
1. Mendapatkan gaji, tunjangan serta fasilitas yang jumlahnya 1. Obtain salary, benefits and facilities whose amount is
ditetapkan oleh RUPS dengan memperhatikan ketentuan determined by the GMS with due regard to the applicable
yang berlaku. provisions.
2. Mendapatkan informasi mengenai Perusahaan secara tepat 2. Obtain information about the Company in a timely and
waktu dan lengkap. complete manner.
Masa Jabatan Dewan Komisaris The Board of Commissioners Terms
1. Masa jabatan anggota Dewan Komisaris terhitung sejak 1. The term of office of the members of the Board of
tanggal ditetapkan dalam RUPS pengangkatannya dan Commissioners counts from the date specified in the
berakhir pada penutupan RUPS Tahunan yang ke-5 (lima) appointment GMS and ends at the close of the 5th (fifth)
setelah tanggal pengangkatannya, kecuali apabila ditentukan Annual GMS after the date of his appointment, unless
lain dalam RUPS dan dapat diangkat kembali. otherwise specified in the GMS and can be reappointed.
2. 1 (satu) periode masa jabatan anggota Dewan Komisaris 2. 1 (one) term of office for members of the Board of
adalah 5 (lima) tahun atau sampai dengan penutupan RUPS Commissioners is 5 (five) years or until the closing of the
tahunan pada akhir 1 (satu) periode masa jabatan dimaksud. annual GMS at the end of the 1 (one) term of office.
3. Komisaris Independen yang telah menjabat selama 2 (dua) 3. Independent Commissioners who have served for 2 (two)
periode masa jabatan berturut – turut dapat diangkat kembali consecutive terms of office may be reappointed in the next
pada periode selanjutnya sebagai Komisaris Independen period as Independent Commissioners in terms of:
dalam hal:
a. Rapat anggota Dewan Komisaris menilai bahwa Komisaris a. The meeting of the members of the Board of
Independen tetap dapat bertindak independen; dan Commissioners considered that the Independent
Commissioners could still act independently; and.
b. Komisaris Independen menyatakan dalam RUPS b. The Independent Commissioner stated in the GMS
mengenai independensi yang bersangkutan. Pernyataan regarding the independency concerned. The statement
independensi tersebut wajib diungkapkan dalam laporan of independence must be disclosed in the report on the
pelaksanaan tata Kelola. implementation of governance.
4. Jabatan anggota Dewan Komisaris berakhir apabila: 4. The term of office of a member of the Board of Commissioners
ends if:
a. Kehilangan Kewarganegaraan Indonesia a. Loss of Indonesian Citizenship
b. Mengundurkan diri b. Resign
c. Meninggal dunia dalam masa jabatannya c. Died during his/her term of office
d. Masa jabatannya berakhir, kecuali diangkat kembali d. The term of office ends, unless reappointed in accordance
sesuai dengan ketentuan yang berlaku with applicable provisions
e. Diberhentikan berdasarkan keputusan RUPS atas dasar: e. Dismissed based on GMS decision on the basis of:
- tidak lagi memenuhi persyaratan yang berlaku - no longer meets the applicable requirements
- tidak menjalankan fungsinya dengan baik sesuai - does not carry out its functions properly in accordance
dengan ketentuan yang berlaku with the applicable regulations
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5. Anggota Dewan Komisaris berhak untuk mengundurkan 5. Members of the Board of Commissioners have the right to
diri dari jabatannya dengan memberitahukan secara tertulis resign from their positions by delivering their intention in
mengenai maksud tersebut kepada Dewan Komisaris dengan the form of written notification with a copy to the Board of
tembusan kepada Direksi. Directors.
6. Perseroan wajib menyelenggarakan RUPS untuk memutuskan 6. The Company is obliged to hold a GMS to decide on requests
permohonan pengunduran diri anggota Dewan Komisaris for resignation of members of the Board of Commissioners
dalam jangka waktu paling lambat 60 (enam puluh) hari within a period of no later than 60 (sixty) days after the receipt
setelah diterimanya surat pengunduran diri. Apabila RUPS of the resignation letter. If the GMS is not held within this
tidak diselenggarakan dalam jangka waktu tersebut maka period of time, the resignation of a member of the Board of
pengunduran diri anggota Dewan Komisaris menjadi sah Commissioners will be valid without requiring approval from
tanpa memerlukan persetujuan RUPS, namun Perseroan wajib the GMS. However, the Company is obliged to submit a
menyampaikan laporan pengunduran diri tersebut dalam report of the resignation at the next GMS.
RUPS yang akan datang.
7. Apabila anggota Dewan Komisaris mengundurkan diri 7. If a member of the Board of Commissioners resigns, resulting
sehingga mengakibatkan jumlah anggota Dewan Komisaris in the number of members of the Board of Commissioners
menjadi kurang dari 3 (tiga) orang, maka pengunduran diri being less than 3 (three) people, then the resignation is valid
tersebut sah apabila telah ditetapkan oleh RUPS dan telah if it has been determined by the GMS and new members of
diangkat anggota Dewan Komisaris yang baru, sehingga the Board of Commissioners have been appointed, thereby
memenuhi persyaratan minimal jumlah anggota Dewan meeting the minimum requirements for the number of
Komisaris. members of the Board of Commissioners .
8. Bagi anggota Dewan Komisaris yang mengundurkan diri 8. Members of the Board of Commissioners who resign are
tersebut tetap berkewajiban menyelesaikan tugas dan still obliged to complete their duties and responsibilities in
tanggung jawabnya sesuai dengan ketentuan anggaran accordance with the provisions of the articles of association
dasar sebagai anggota Dewan Komisaris sampai tanggal as members of the Board of Commissioners until the effective
pengunduran dirinya berlaku efektif. date of their resignation.
Persyaratan Anggota Dewan Komisaris Requirements for Members of The Board
of Commissioners
Persyaratan Umum, adalah Warga Negara Indonesia yang: General Requirements are Indonesian citizens who:
1. Bertaqwa kepada Tuhan yang Maha Esa. 1. Be devoted to God Almighty.
2. Mempunyai akhlak dan moral yang baik. 2. Have good character and morals.
3. Setia dan taat kepada Negara dan Pemerintah Republik 3. Loyal and obedient to the State and Government of the
Indonesia. Republic of Indonesia.
4. Tidak terlibat secara langsung maupun tidak langsung dalam 4. Not involved directly or indirectly in treasonous activities to
kegiatan pengkhianatan kepada Negara Republik Indonesia. the Republic of Indonesia.
5. Sehat jasmani dan rohani. 5. Physically and mentally healthy.
6. Tidak pernah dihukum karena melakukan tindak pidana yang 6. Never been punished for committing a crime that was
merugikan keuangan negara atau tindakan-tindakan yang detrimental to state finances or for other disgraceful acts in
tercela di bidang perbankan. the banking sector.
7. Tidak dicabut hak pilihnya berdasarkan putusan pengadilan. 7. The right to vote is not revoked based on a court decision.
8. Mampu melaksanakan perbuatan hukum. 8. Able to carry out legal actions.
9. Tidak pernah dinyatakan pailit atau menjadi anggota Direksi 9. Never been declared bankrupt or a member of the Directors
dan anggota Dewan Komisaris yang dinyatakan bersalah and a member of the Board of Commissioners found guilty of
menyebabkan suatu Perseroan dinyatakan pailit. causing a company to be declared bankrupt.
10. Tidak memiliki kredit macet. 10. Do not have bad credit.
11. Calon Anggota Dewan Komisaris yang akan mengikuti 11. Candidates for members of the Board of Commissioners who
penilaian kemampuan dan kepatutan kepada Otoritas Jasa will take part in the fit and proper test to the Financial Services
Keuangan, diusulkan oleh Pemegang Saham Seri A. Authority, are proposed by Series A Shareholders.
Persyaratan lainnya, yaitu: Other requirements, namely:
1. Tidak memiliki hubungan keluarga sampai dengan derajat 1. Does not have family relations up to the second degree,
kedua, baik menurut garis lurus maupun garis ke samping either in a straight line or sideways line including son-in-law
termasuk menantu dan ipar diantara sesama anggota Dewan and brother-in-law between fellow members of the Board of
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Komisaris dengan anggota Direksi, dibuktikan dengan surat Commissioners and members of the Directors, evidenced by a
pernyataan. statement letter.
2. Mantan anggota Direksi Perseroan atau Pejabat Eksekutif 2. Former members of the Company’s Directors or the Company’s
Perseroan atau pihak-pihak yang mempunyai kemampuan Executive officers or parties who have the ability concerned to
yang bersangkutan untuk bertindak independen, wajib act independently, must undergo a cooling off period of 1
menjalani masa tunggu (cooling off) slama 1 (satu) tahun (one) year before becoming an Independent Commissioner
sebelum menjadi Komisaris Independen pada Perseroan. of the Company. The provisions regarding the waiting period
Ketentuan mengenai masa tunggu (cooling off) tersebut tidak (cooling off) do not apply to former members of the Directors
berlaku bagi mantan anggota Direksi yang membawahkan who carry out the supervisory function or Executive officers
fungsi pengawasan atau Pejabat Eksekutif yang melakukan who perform supervisory functions at the Company.
fungsi pengawasan pada Perseroan.
3. Setiap anggota Dewan Komisaris harus memenuhi persyaratan 3. Each member of the Board of Commissioners must meet the
dan ketentuan yang berlaku. applicable terms and conditions.
4. Anggota Dewan Komisaris harus profesional dan 4. Members of the Board of Commissioners had to be
mempunyai kompetensi yang dapat menunjang pelaksanaan professional and had competencies that could support the
tugas dan fungsinya. implementation of their duties and functions.
5. Anggota Dewan Komisaris dilarang melakukan rangkap 5. Members of the Board of Commissioners were prohibited from
jabatan sebagai anggota Direksi, anggota Dewan Komisaris holding concurrent positions as members of the Directors,
atau pejabat eksekutif. members of the Board of Commissioners or executive officers.
a. Pada lembaga keuangan atau perusahaan keuangan, a. In financial institutions or financial companies, both banks
baik bank maupun bukan bank. and non-banks.
b. Pada lebih dari 1 (satu) lembaga bukan keuangan atau b. In more than 1 (one) non-financial institution or
perusahaan bukan keuangan, baik yang berkedudukan di nonfinancial company, either domiciled at home or
dalam maupun luar negeri. abroad.
6. Tidak termasuk rangkap jabatan sebagaimana dimaksud 6. Does not include concurrent positions as referred to in terms
dalam hal: of:
a. Anggota Dewan Komisaris menjabat sebagai anggota a. Members of the Board of Commissioners served as
Direksi, anggota Dewan Komisaris atau pejabat eksekutif members of the Directors, members of the Board of
yang melaksanakan fungsi pengawasan pada 1 (satu) Commissioners or executive officers who carried out
perusahaan anak bukan bank yang dikendalikan oleh supervisory functions in 1 (one) non-bank subsidiary
bank; controlled by the bank.
b. Komisaris non independen menjalankan tugas fungsional b. Non-independent commissioners carryied out functional
dari Pemegang Saham bank yang berbentuk badan duties of Company shareholders in the form of legal
hukum pada kelompok usaha bank; dan/atau entities in the bank business group; and/or.
c. Anggota Dewan Komisaris menduduki jabatan pada c. Members of the Board of Commissioners held positions in
organisasi atau lembaga nirlaba. non-profit organizations or institutions.
7. Tugas dalam jabatan dan fungsi sebagaimana dimaksud 7. Duties in the position and function as intended can be carried
dapat dilaksanakan sepanjang yang bersangkutan tidak out as long as the person concerned does not neglect the
mengabaikan pelaksanaan tugas dan tanggung jawab implementation of their duties and responsibilities as the
sebagai Dewan Komisaris bank. bank’s Board of Commissioners.
8. Dalam hal calon komisaris memiliki jabatan rangkap, wajib 8. In the event that the candidate for commissioner has multiple
menyertakan: positions, it had to include:
a. Surat pernyataan pribadi di atas kertas bermaterai atas a. Personal statement on stamped paper on behalf of a
nama calon anggota Dewan Komisaris yang masih candidate member of the Board of Commissioners who
memiliki jabatan rangkap (namun bersedia melepaskan still had a dual position (but was willing to leave the
jabatan tersebut), yang menyatakan akan mengundurkan position), stating that he/she would resign from that dual
diri dari jabatan rangkap tersebut apabila disetujui OJK position if approved by OJK as a Bank Manager.
sebagai Pengurus Bank
b. Surat pernyataan dari badan hukum pemilik Bank bahwa b. A statement letter from the legal entity that owned
jabatan yang bersangkutan merupakan tugas fungsional the Company stating that the position concerned was
(bagi calon yang memiliki tugas fungsional) a functional task (for a candidate who had functional
duties).
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c. Jika yang bersangkutan adalah Pegawai Negeri Sipil, c. If the person concerned was a Civil Servant, then he/she
maka wajib menyampaikan: was obliged to submit:
1) Surat pernyataan pribadi yang ditandatangani di 1) A personal statement signed on a seal is sufficient that
atas meterai cukup bahwa yang bersangkutan tidak the person concerned did not violate any provisions
melanggar ketentuan atau peraturan perundang – or laws and regulations relating to the status of Civil
undangan terkait dengan status Pegawai Negeri Sipil Servants, including Law No. 25 of 2009 concerning
termasuk UU No. 25 Tahun 2009 Tentang Pelayanan Public Services.
Publik.
2) Surat persetujuan dari atasan langsung di atas 2) A letter of approval from the direct superior on
materai cukup yang memberikan persetujuan atas a sufficient seal which gave approval for the
pencalonan yang bersangkutan sebagai anggota nomination of the concerned member of the Board of
Dewan Komisaris bank dan pencalonan yang Commissioners of the Company and the nomination
bersangkutan tidak melanggar ketentuan dan/atau concerned did not violate the provisions and/or laws
peraturan perundang-undangan terkait dengan and regulations relating to the status of a Civil Servant
status Pegawai Negeri Sipil termasuk UU No. 25 including Law No. 25 of 2009.
tahun 2009.
9. Khusus calon Komisaris Independen/Komisaris Utama 9. Specifically for candidates for Independent Commissioner/
Independen wajib menyertakan: Independent President Commissioner, they had to include:
a. Surat pernyataan pribadi yang menyatakan bahwa a. Personal statement stating that the person concerned
yang bersangkutan merupakan pihak yang independen was an independent party to the owner of the Company
terhadap pemilik bank atau PSP (ditandatangani di atas or PSP (signed on a sufficient seal).
materai cukup).
b. Surat pernyataan pribadi yang menyatakan bahwa b. A personal statement stating that the person concerned
yang bersangkutan tidak memiliki hubungan keuangan, had no financial, management, share ownership and/
kepengurusan, kepemilikan saham dan/atau hubungan or family relationship with other members of the Board
keluarga dengan anggota Dewan Komisaris lainnya, of Commissioners, members of the Directors and/or
anggota Direksi dan/atau pemegang saham pengendali controlling shareholders or other relationships that might
atau hubungan lain yang dapat mempengaruhi affect his ability to act independently (signed above seal
kemampuannya untuk bertindak independen enough).
(ditandatangani di atas meterai cukup).
10. Calon anggota Dewan Komisaris yang diajukan dalam 10. Candidates for the members of the Board of Commissioners
RUPS harus diusulkan oleh Pemegang Saham Seri A dengan proposed in the GMS had to be proposed by Series A
hak suara yang sah, dengan berpedoman kepada peraturan Shareholders with valid voting rights, guided by the prevailing
perundang-undangan yang berlaku. laws and regulations.
11. RUPS dapat mengangkat Dewan Komisaris dan dinyatakan 11. The GMS might appoint the Board of Commissioners and be
efektif setelah lulus penilaian kemampuan dan kepatutan declared effective after passing the fit and proper test from
dari Otoritas Jasa Keuangan sesuai dengan ketentuan yang the Financial Services Authority in accordance with applicable
berlaku. regulations.
12. Dalam hal calon anggota Dewan Komisaris yang telah 12. In the event that a candidate member of the Board of
diangkat oleh RUPS namun belum dinyatakan lulus penilaian Commissioners had been appointed by the GMS but had
kemampuan dan kepatutan oleh Otoritas Jasa Keuangan, not passed the fit and proper test by the Financial Services
maka yang bersangkutan belum memiliki hak dan kewajiban Authority, then the person concerned didnot yet have
sebagai anggota Dewan Komisaris. the rights and obligations as a member of the Board of
Commissioners.
13. Calon Komisaris non independen wajib melampirkan bukti 13. Candidates for non-independent commissioners had to attach
kelulusan sertifikasi manajemen risiko level 1 (satu), sedangkan proof of passing level 1 (one) risk management certification,
untuk Calon Komisaris Independen wajib melampirkan bukti while Candidates for Independent Commissioners had
kelulusan sertifikasi manajemen risiko level 2 (dua). to attach proof of passing level 2 (two) risk management
certification.
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Pedoman dan Tata Tertib Kerja Dewan Guidelines and Procedures For the Board
Komisaris of Commissioners
Dewan Komisaris bank bjb telah memiliki pedoman kerja yang The Board of Commissioners of bank bjb had a work guideline
menjadi panduan Dewan Komisaris dalam melaksanakan tugas that guides the Board of Commissioners in carrying out its duties
dan tanggung jawab serta wewenangnya, pedoman tersebut and responsibilities and authorities, these guidelines had been
telah ditetapkan berdasarkan Surat Keputusan Dewan Komisaris established based on the Decree of the Board of Commissioners
Nomor 02/SK/DKO/2022 tanggal 04 Januari 2022 tentang Number 02/SK/DKO/2022 dated January 4, 2022 concerning
Pedoman dan Tata Tertib Kerja Dewan Komisaris. Adapun isi dari Board Work Guidelines and Rules Commissioner. The contents of
Pedoman dan Tata Tertib Kerja Dewan Komisaris yaitu: the Charter of the Board of Commissioners are:
Bab I Pendahuluan Chapter I Introduction
Bab II Organisasi Dewan Komisaris Chapter II Organization of the Board of Commissioners
Bab III Tugas, Tanggung Jawab dan Wewenang Chapter III Duties, Responsibilities and Authority
Bab IV Hubungan Dewan Komisaris dengan Direksi Chapter IV Relationship of the Board of Commissioners with the
Directors
Bab V Penutup Chapter V Closing
Perubahan Komposisi Anggota Dewan Changes In The Composition of Members
Komisaris dan Alasan Perubahannya of The Board of Commissioners and
Reasons for The Changes
Berdasarkan Akta Pernyataan Keputusan RUPS Tahunan Tahun Based on the Deed of Statement of AGMS Resolutions number
Buku 2022 nomor 05 tanggal 04 April 2023, anggota Dewan 05 dated April 30, 2023, there were 5 (five) members of the
Komisaris berjumlah 5 (lima) orang yang terdiri dari 1 (satu) Board of Commissioners consisting of 1 (one) Independent Main
Komisaris Utama Independen, 2 (dua) Komisaris Independen, dan Commissioner, 2 (two) Independent Commissioners, and 2 (two)
2 (dua) Komisaris non Independen. non-Independent Commissioners.
Tabel Komposisi dan Dasar Pengangkatan Dewan Komisaris Setelah RUPS Tahunan Tahun Buku 2022
Table of Composition and Basis for Appointment of the Board of Commissioners After the 2022 Annual GMS
Nama Jabatan Pelaksana Dasar Pengangkatan Tanggal Efektif
Name Position Executor Basis of Appointment Effective Date
RUPS Tahunan Tahun Buku 2018 tanggal 30
Komisaris Utama Independen
OJK April 2019 21 Juni 2019
Farid Rahman Independent President
OJK 2018 Annual General Meeting of June 21, 2019
Commissioner
Shareholders on April 30, 2019
• Akta RUPS Tahunan No. 14 tanggal 19
November 2008
• RUPSLB No. 74,75,76 tanggal 25 Juli
2011
• Akta RUPS Tahunan No. 117,118,119
tanggal 31 Maret 2015 19 November
Komisaris • RUPS Tahunan No. 87 tanggal 30 April 2008
Muhadi Bank Indonesia
Commissioner 2019 November 19,
• Deed of Annual GMS No. 14th November 2008
19, 2008
• EGMS No. 74,75,76 July 25, 2011
• Deed of Annual GMS No. 117,118,119
March 31, 2015
• Annual GMS No. 87 April 30, 2019
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Nama Jabatan Pelaksana Dasar Pengangkatan Tanggal Efektif
Name Position Executor Basis of Appointment Effective Date
RUPS Tahunan Tahun Buku 2018 tanggal 30
Komisaris Independen OJK April 2019 21 Juni 2019
Fahlino F. Sjuib
Independent Commissioner OJK 2018 Annual General Meeting of June 21, 2019
Shareholders on April 30, 2019
RUPS Tahunan Tahun 2022 tanggal 30
Komisaris OJK Maret 2022 19 Juli 2022
Setiawan Wangsaatmaja
Commissioner OJK RUPS Tahunan Tahun 2022 tanggal 30 July 19, 2022
Maret 2022
RUPS Tahunan Tahun 2022 tanggal 30
Komisaris Independen OJK 19 Juli 2022
Diding Sakri Maret 2022
Independent Commissioner OJK July 19, 2022
2022 Annual GMS on March 30, 2022
Komposisi Dewan Komisaris Setelah RUPS Luar Composition of The Board of Commissioners
Biasa Tahun 2023 After The 2023 Extraordinary GMS
Berdasarkan Akta Pernyataan Keputusan RUPS Luar Biasa nomor Based on the Deed of Extraordinary GMS Decision Statement
72 tanggal 25 Mei 2023, terdapat pemberhentian dengan hormat number 72 dated May 25, 2023, there was an honorable dismissal
1 (satu) orang Komisaris non Independen dan mengangkat 2 of 1 (one) non-Independent Commissioner and the appointment
(dua) orang Komisaris non Independen sehingga anggota Dewan of 2 (two) non-Independent Commissioners so that the members
Komisaris berjumlah 6 (enam) orang yang terdiri dari 1 (satu) of the Board of Commissioners numbered 6 (six) people consisting
Komisaris Utama Independen, 2 (dua) Komisaris Independen, dan of 1 (one) Independent Main Commissioner, 2 (two) Independent
3 (tiga) Komisaris non Independen dengan rincian sebagai berikut: Commissioners, and 3 (three) non-Independent Commissioners
with the following details:
Tabel Komposisi dan Dasar Pengangkatan Dewan Komisaris Setelah RUPS Luar Biasa Tahun 2023
Table of Composition and Basis for Appointment of the Board of Commissioners After the 2023 Extraordinary GMS
Tanggal
Nama Jabatan Pelaksana Dasar Pengangkatan
Efektif
Name Position Executor Basis of Appointment
Effective Date
Komisaris Utama RUPS Tahunan Tahun Buku 2018 tanggal 30
Independen OJK April 2019 21 Juni 2019
Farid Rahman
Independent President OJK 2018 Annual General Meeting of Shareholders June 21, 2019
Commissioner on April 30, 2019
RUPS Luar Biasa Tahun 2023 tanggal 25 Mei
Komisaris OJK 9 Agustus 2023
Rudie Kusmayadi 2023
Commissioner OJK August 9, 2023
2023 Extraordinary GMS on May 25, 2023
RUPS Tahunan Tahun 2022 tanggal 30 Maret
Komisaris OJK 2022 19 Juli 2022
Setiawan Wangsaatmaja
Commissioner OJK 2022 Annual General Meeting of Shareholders July 19, 2022
on March 30, 2022
RUPS Luar Biasa Tahun 2023 tanggal 25 Mei
Komisaris OJK 9 Agustus 2023
Tomsi Tohir 2023
Commissioner OJK August 9, 2023
2023 Extraordinary GMS on May 25, 2023
RUPS Tahunan Tahun Buku 2018 tanggal 30
Komisaris Independen OJK April 2019 21 Juni 2019
Fahlino F. Sjuib
Independent Commissioner OJK 2018 Annual General Meeting of Shareholders June 21, 2019
on April 30, 2019
RUPS Tahunan Tahun 2022 tanggal 30 Maret
Komisaris Independen OJK 19 Juli 2022
Diding Sakri 2022
Independent Commissioner OJK July 19, 2022
2022 Annual GMS on March 30, 2022
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Pembidangan Tugas Pengawasan Dewan The Supervision of the Board of
Komisaris Commissioners’ Supervisory Duties
Untuk mengefektifkan peran Dewan Komisaris, dilakukan To streamline the role of the Board of Commissioners, division
pembagian tugas diantara anggota Dewan Komisaris. Pembagian of duties was carried out among members of the Board of
tugas diantara anggota Dewan Komisaris ditujukan agar Commissioners. The division of duties among the members of the
pelaksanaan tugas masing-masing anggota Dewan Komisaris Board of Commissioners was intended so that the implementation
secara teknis pada aspek yang dibidangi dapat berjalan lancar, of the duties of each member of the Board of Commissioners could
efektif dan efisien, sesuai tanggung jawab dan wewenang masing- technically run smoothly, effectively and efficiently, according to
masing sehingga terdapat kejelasan tentang peran anggota their respective responsibilities and authorities so that there was
Dewan Komisaris, baik secara kolektif maupun individual. clarity on the role of members of the Board of Commissioners,
both collectively and individually.
Berdasarkan salah satu hasil keputusan Rapat Umum Pemegang Based on one of the results of the 2022 Extraordinary General
Saham Luar Biasa Tahun 2022 pada tanggal 25 Mei 2023 terjadi Meeting of Shareholders on May 25 2023, there was a change
perubahan susunan pengurus, sehingga terjadi perubahan dalam in the composition of the management, resulting in a change
pembidangan tugas Dewan Komisaris dan ditetapkan melalui in the division of duties of the Board of Commissioners and this
Surat Keputusan Dewan Komisaris PT Bank Pembangunan Daerah was determined through a Decree of the Board of Commissioners
Jawa Barat dan Banten, Tbk. Nomor 04/SK/DKO/2023 tanggal of PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
22 Agustus 2023 tentang Pembagian Tugas dan Pelaksanaan Number 04/SK/DKO/2023 dated August 22, 2023 concerning the
Kegiatan Dewan Komisaris sehingga Pembidangan Tugas Dewan Division of Duties and Implementation of Activities of the Board
Komisaris menjadi sebagai berikut: of Commissioners, thereby the Division of Duties of the Board of
Commissioners is as follows:
Nama Jabatan Bidang Tugas
Name Position Duties
1. Ketua merangkap Anggota Komite Audit.
2. Ketua merangkap Anggota Komite Nominasi dan Remunerasi
3. Anggota Komite Pemantau Risiko
Komisaris Utama Independen 4. Anggota Komite Tata Kelola Terintegrasi
Farid Rahman Independent President 1. Chairman concurrently a Member of the Audit Committee.
Commissioner 2. Chairman concurrently as Member of the Nomination and Remuneration
Committee
3. Member of the Risk Monitoring Committee
4. Member of the Integrated Governance Committee
1. Anggota Komite Pemantau Risiko
2. Anggota Komite Nominasi dan Remunerasi
Komisaris 3. Anggota Komite Tata Kelola Terintegrasi
Rudie Kusmayadi
Commissioner 1. Member of the Risk Monitoring Committee
2. Member of the Nomination and Remuneration Committee
3. Member of the Integrated Governance Committee
1. Anggota Komite Pemantau Risiko
2. Anggota Komite Nominasi dan Remunerasi
Komisaris 3. Anggota Komite Tata Kelola Terintegrasi
Setiawan Wangsaatmaja
Commissioner 1. Member of the Risk Monitoring Committee
2. Member of the Nomination and Remuneration Committee
3. Member of the Integrated Governance Committee
1. Anggota Komite Pemantau Risiko
2. Anggota Komite Nominasi dan Remunerasi
Komisaris 3. Anggota Komite Tata Kelola Terintegrasi
Tomsi Tohir
Commissioner 1. Member of the Risk Monitoring Committee
2. Member of the Nomination and Remuneration Committee
3. Member of the Integrated Governance Committee
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Nama Jabatan Bidang Tugas
Name Position Duties
1. Ketua Merangkap Anggota Komite Pemantau Risiko
2. Anggota Komite Audit
3. Anggota Komite Nominasi dan Remunerasi
Komisaris Independen 4. Anggota Komite Tata Kelola Terintegrasi
Diding Sakri
Independent Commissioner 1. Chairman concurrently a Member of the Risk Monitoring Committee
2. Member of the Audit Committee
3. Member of the Nomination and Remuneration Committee
4. Member of the Integrated Governance Committee
1. Ketua merangkap anggota Komite Tata Kelola Terintegrasi.
2. Anggota Komite Audit
3. Anggota Komite Pemantau Risiko
4. Anggota Komite Nominasi dan Remunerasi
Komisaris Independen
Fahlino F. Sjuib 1. Chairman concurrently a member of the Integrated Governance
Independent Commissioner
Committee.
2. Member of the Audit Committee
3. Member of the Risk Monitoring Committee
4. Member of the Nomination and Remuneration Committee
Kebijakan Rangkap Jabatan Dewan Concurrent Position Policy Board of
Komisaris Commissioners
Setiap anggota Dewan Komisaris dapat melaksanakan rangkap Each member of the Board of Commissioners can carry out
jabatan sepanjang diperkenankan oleh ketentutan yang berlaku concurrent positions as long as permitted by applicable regulations
serta Anggaran Dasar Perseroan. Anggota Dewan Komisaris and the Company’s Articles of Association. Members of the
dilarang melakukan rangkap jabatan sebagai anggota Direksi, Board of Commissioners are prohibited from holding concurrent
anggota Dewan Komisaris atau Pejabat Eksekutif: positions as members of Directors, members of the Board of
Commissioners or Executive officers:
1. Pada lembaga keuangan atau perusahaan keuangan, baik 1. In financial institutions or financial companies, both banks
bank maupun bukan bank. and non-banks.
2. Pada lebih dari 1 (satu) lembaga bukan keuangan atau 2. In more than 1 (one) non-financial institution or non-financial
perusahaan bukan keuangan baik yang berkedudukan di company both domiciled inside and outside the country.
dalam maupun di luar negeri.
Tidak termasuk rangkap jabatan sebagaimana telah disebutkan di Does not include concurrent positions as mentioned above in
atas dalam hal: terms of:
1. Anggota Dewan Komisaris menjabat sebagai anggota Direksi, 1. Members of the Board of Commissioners serve as members
anggota Dewan Komisaris atau Pejabat Eksekutif yang of the Directors, members of the Board of Commissioners or
melaksanakan fungsi pengawasan pada 1 (satu) perusahaan Executive officers who carry out the supervisory function in
anak bukan bank yang dikendalikan oleh Bank. 1 (one) non-Company subsidiary company controlled by the
Bank.
2. Komisaris non independen menjalankan tugas fungsional dari 2. Non-independent commissioners carry out functional tasks
pemegang saham Bank yang berbentuk badan hukum pada from Bank shareholders in the form of legal entities in the
kelompok usaha Bank. Bank business group.
3. Anggota Dewan Komisaris menduduki jabatan pada 3. Members of the Board of Commissioners hold positions in
organisasi atau lembaga nirlaba. non-profit organizations or institutions.
Tugas dalam jabatan dan fungsi sebagaimana dimaksud di Duties in functions and functions as referred to above can be
atas dapat dilaksanakan sepanjang yang bersangkutan tidak carried out as long as the person concerned does not neglect the
mengabaikan pelaksanaan tugas dan tanggung jawab sebagai implementation of duties and responsibilities as a member of the
anggota Dewan Komisaris Bank. Board of Commissioners of the Bank.
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Rangkap jabatan Dewan Komisaris dapat dilihat pada tabel di The concurrent positions of the Board of Commissioners can be
bawah ini. seen in the table below.
Tabel Rangkap Jabatan Dewan Komisaris
Table of Concurrent Positions of Board of Commissioners
Jabatan pada Perusahaan/
Nama Perusahaan/
Nama Jabatan Instansi Lain
Instansi Lain
Name Position Position at Other Companies/
Other Company name/ Agencies
Institutions
Komisaris Utama Independen
Direktur
Farid Rahman Independent President PT Medco Intidinamika
Direktur
Commissioner
Komisaris
Rudie Kusmayadi - -
Commissioner
Komisaris Asesor Utama Pemerintah Provinsi Jawa Barat
Setiawan Wangsaatmaja
Commissioner Asesor Utama West Java Provincial Government
Komisaris Inspektorat Jendral Kementerian Dalam Negeri
Tomsi Tohir
Commissioner Inspektorat Jendral Kementerian Dalam Negeri
Komisaris Independen
Diding Sakri - -
Independent Commissioner
Komisaris Independen
Fahlino F. Sjuib - -
Independent Commissioner
Hubungan Afiliasi Dewan Komisaris Affiliated Relationship of The Board of
Commissioners
Kriteria hubungan afiliasi antara Dewan Komisaris, Direksi dan The criteria for affiliation between the Board of Commissioners,
Pemegang Saham Pengendali meliputi: Directors and Controlling Shareholders include:
1. Hubungan afiliasi antara anggota Dewan Komisaris dengan 1. Affiliation relationship between members of the Board
anggota Dewan Komisaris lainnya. of Commissioners and other members of the Board of
Commissioners.
2. Hubungan afiliasi antara anggota Dewan Komisaris dengan 2. Affiliation relationship between members of the Board of
Direksi Commissioners and the Board of Directors
3. Hubungan afiliasi antara anggota Dewan Komisaris dengan 3. Affiliation relationship between members of the Board of
Pemegang Saham Utama dan/atau pengendali. Commissioners and Major and/or controlling Shareholders.
Hubungan afiliasi antara anggota Dewan Komisaris, Direksi dan Affiliation relationships among members of the Board of
Pemegang Saham Pengendali, dapat dilihat sebagaimana tabel di Commissioners, Directors and Controlling Shareholders, can be
bawah ini: seen in the table below:
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Tabel Hubungan Afiliasi Dewan Komisaris
Table of Affiliation of the Board of Commissioners
Hubungan Keuangan, Keluarga dan Kepengurusan Komisaris
Table of Affiliation Relations of the Board of Commissioners
Hubungan Keuangan dengan Hubungan Keluarga dengan Hubungan
Relation of Financial with Relation of Family with Kepengurusan
di Perusahaan
Pemegang Pemegang lain
Dewan Dewan Management
Saham Saham
Nama Jabatan Komisaris Direksi Komisaris Direksi Relationship
Pengendali Pengendali
Name Position Board of Directors Board of Directors in Other
Controlling Controlling
Commissioners Commissioners Companies
Shareholders Shareholders
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No Yes No
Komisaris
Utama
Independen
Farid Rahman √ √ √ √ √ √ √
Komisaris
Utama
Independen
Rudie Komisaris
√ √ √ √ √ √ √
Kusmayadi Komisaris
Setiawan Komisaris
√ √ √ √ √ √ √
Wangsaatmaja Komisaris
Komisaris
Tomsi Tohir √ √ √ √ √ √ √
Komisaris
Komisaris
Independen
Diding Sakri √ √ √ √ √ √ √
Komisaris
Independen
Komisaris
Independen
Fahlino F. Sjuib √ √ √ √ √ √ √
Komisaris
Independen
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Pengelolaan Benturan Kepentingan Management of Conflicts of Interest of
Dewan Komisaris The Board of Commissioners
1. Anggota Dewan Komisaris dilarang memiliki hubungan 1. Members of the Board of Commissioners are prohibited from
keluarga sampai dengan derajat kedua dengan sesama having family relations up to the second degree with fellow
anggota Dewan Komisaris dan/atau anggota Direksi. members of the Board of Commissioners and/or members of
2. Dalam hal terjadi benturan kepentingan, anggota Dewan the Directors.
Komisaris dilarang mengambil tindakan yang dapat 2. In the event of a conflict of interest, members of the Board
merugikan Bank atau mengurangi keuntungan Bank dan of Commissioners are prohibited from taking actions that
wajib mengungkapkan benturan kepentingan dalam setiap could harm the Bank or reduce the profit of the Bank and are
keputusan. required to disclose conflicts of interest in every decision.
3. Anggota Dewan Komisaris dilarang memanfaatkan Bank 3. Members of the Board of Commissioners are prohibited from
untuk kepentingan pribadi, keluarga dan/atau pihak lain yang using the Bank for personal, family and/or other parties’
dapat merugikan atau mengurangi keuntungan Bank. interests which may harm or reduce the Bank’s profits.
4. Anggota Dewan Komisaris dilarang bertindak sebagai kuasa 4. Members of the Board of Commissioners are prohibited from
dari Pemegang Saham dalam pemungutan suara di dalam acting as proxy from Shareholders in the vote at the meeting.
rapat.
5. Anggota Dewan Komisaris dilarang mengambil dan/atau 5. Members of the Board of Commissioners are prohibited from
menerima keuntungan pribadi dari Bank selain remunerasi taking and/or receiving personal benefits from the Bank other
dan fasilitas lain yang ditetapkan berdasarkan keputusan than remuneration and other facilities determined based on
RUPS. the resolution of the GMS.
Komisaris Independen Independent Commissioners
Komisaris Independen adalah anggota Dewan Komisaris yang tidak Independent Commissioner was a member of the Board of
memiliki hubungan keuangan, kepengurusan, kepemilikan saham Commissioners who had no financial, management, share
dan/atau hubungan keluarga dengan anggota Direksi, anggota ownership and/or family relationship with members of the
Dewan Komisaris lain dan/atau pemegang saham pengendali, atau Directors, other members of the Board of Commissioners and/or
hubungan dengan bank yang dapat mempengaruhi kemampuan controlling shareholders, or a relationship with a bank that might
yang bersangkutan untuk bertindak independen. affect the ability of the person concerned to act independently.
Jumlah Komisaris Independen sebanyak 50% yaitu 3 (tiga) orang The number of Independent Commissioners is 50%, namely 3
dari 6 (enam) orang Dewan Komisaris. Dengan demikian, jumlah (three) people from the 6 (six) Board of Commissioners. Thus, the
Komisaris Independen tersebut telah memenuhi ketentuan yang number of Independent Commissioners has fulfilled the provisions
ditetapkan Otoritas Jasa Keuangan. set by the Financial Services Authority.
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Kriteria Penentuan Komisaris Independen Criteria for Determining Independent
Commissioners
Kriteria penentuan Komisaris Independen yang diatur dalam The criteria for determining the Independent Commissioner
Pedoman dan Tata Tertib Kerja Dewan Komisaris adalah sebagai as stipulated in the Guidelines and Work Rules of the Board of
berikut. Commissioners are as follows.
Komisaris Independen
Kriteria Independent Commissioner
Criterias
Farid Rahman Diding Sakri Fahlino F. Sjuib
Merupakan pihak yang independen terhadap pemilik
bank atau PSP. √ √ √
Is an independent party to the owner of the bank or PSP..
Tidak memiliki hubungan keuangan, kepengurusan,
kepemilikan saham dan/atau hubungan keluarga
dengan anggota Dewan Komisaris lainnya, Direksi dan/
atau dengan Bank, serta bebas dari hubungan bisnis
atau hubungan lainnya yang dapat mempengaruhi
kemampuannya untuk bertindak independen. √ √ √
Has no financial, management, share ownership and/or
family relationships with other members of the Board of
Commissioners, Directors and/or with the Bank, and is
free from business relationships or other relationships
that may affect his or her ability to act independently.
Seluruh Komisaris Independen Perseroan telah memenuhi kriteria All of the Company’s Independent Commissioners have met the
penentuan Komisaris Independen yang telah ditetapkan. established criteria for determining Independent Commissioners.
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Pernyataan Komisaris Independen Independent Commissioner Statement
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Rapat Dewan Komisaris Meeting of Board of Commissioners
Kebijakan Rapat Meeting Policy
1. Dewan Komisaris wajib menyelenggarakan rapat Dewan 1. The Board of Commissioners must hold a Board of
Komisaris paling kurang 1 (satu) kali dalam 1 (satu) bulan dan Commissioners’ meeting at least 1 (one) time in 1 (one)
wajib dihadiri oleh seluruh anggota Dewan Komisaris secara month and must be physically attended by all members of the
fisik paling kurang 2 (dua) kali dalam setahun. Board of Commissioners at least 2 (two) times in a year.
2. Rapat Dewan Komisaris dapat juga diadakan setiap waktu 2. Meetings of the Board of Commissioners can also be held at
bilamana dianggap perlu oleh Komisaris Utama atau oleh 1/3 any time if deemed necessary by the President Commissioner
(satu pertiga) dari jumlah anggota Dewan Komisaris atau atas or by 1/3 (one third) of the total members of the Board of
permintaan tertulis dari Direksi. Commissioners or at the written request of the Directors.
3. Dalam hal dipandang perlu, rapat Dewan Komisaris dapat 3. If deemed necessary, meetings of the Board of Commissioners
mengundang Direksi atau Direktur dan Satuan Kerja yang can invite the Directors or Director and relevant Work Unit.
membidangi.
4. Rapat Dewan Komisaris wajib dihadiri oleh seluruh anggota 4. Meetings of the Board of Commissioners must be physically
Dewan Komisaris secara fisik paling kurang 2 (dua) kali dalam attended by all members of the Board of Commissioners at
setahun. least 2 (two) times in a year.
5. Panggilan rapat Dewan Komisaris dilakukan oleh Komisaris 5. Summons of the Board of Commissioners’ meeting are chaired
Utama. Dalam hal Komisaris Utama berhalangan hal mana by the President Commissioner. In the event the President
tidak perlu dibuktikan kepada pihak ketiga, maka dapat Commissioner is absent or unavailable, which does not need
dilakukan oleh anggota Dewan Komisaris yang lain. Panggilan to be proven to a third parties, the meeting shall be chaired by
rapat harus mencantumkan acara, tanggal, waktu, dan other members of the Board of Commissioners present. The
tempat rapat. summons of the meeting must draft agenda, date, time, and
venue.
6. Undangan rapat Dewan Komisaris disampaikan kepada setiap 6. Invitation of the Board of Commissioners’ meeting is delivered
anggota Dewan Komisaris secara langsung. to each of members of the Board of Commissioners directly.
7. Rapat Dewan Komisaris diadakan di tempat kedudukan Bank 7. Meetings of the Board of Commissioners are held in the
atau di tempat lain sesuai dengan kesepakatan. domicile of the Bank or other places in accordance with
consensus.
8. Rapat Dewan Komisaris dipimpin oleh Komisaris Utama. 8. Meetings of the Board of Commissioners are chaired by
Dalam hal Komisaris Utama berhalangan hadir, maka rapat the President Commissioners. In the event the President
Dewan Komisaris dapat dipimpin oleh salah seorang anggota Commissioner is absent, the meetings of the Board of
Dewan Komisaris yang hadir berdasarkan kesepakatan. Commissioners can be chaired by one of the members of the
Board of Commissioners present based on consensus.
9. Seorang anggota Dewan Komisaris dapat diwakili dalam 9. A member of the Board of Commissioners can be represented
rapat Dewan Komisaris hanya oleh seorang anggota Dewan in the meeting of the Board of Commissioners only by other
Komisaris lainnya berdasarkan surat kuasa. members of the Board of Commissioners under the power of
attorney.
10. Dalam hal Komisaris non independen tidak dapat menghadiri 10. In the event non-independent Commissioner is unable
rapat secara fisik, maka dapat menghadiri rapat melalui to attend a Board of Commissioners’ meeting physically,
teknologi telekonferensi. a non-independent Commissioner may attend a Board
of Commissioners’ meeting through teleconferencing
technology.
11. Dalam kaitannya dengan telekonferensi, maka: 11. In relation to teleconferencing:
a. Anggota yang hadir secara telekonferensi disebutkan a. Member that is present by teleconferencing is mentioned
dalam risalah Rapat Dewan Komisaris. in the minutes of the meeting of the Board of
Commissioners.
b. Bukti rekaman penyelenggaraan rapat. b. A proof of meeting commencement recording.
12. Rapat Dewan Komisaris adalah sah dan berhak mengambil 12. Meetings of the Board of Commissioners are valid and
keputusan yang mengikat hanya apabila lebih dari setengah entitled to take a binding decision, if only more than one half
dari jumlah anggota Dewan Komisaris hadir atau diwakili of the total members of the Board of Commissioners present
dalam rapat. or represented in the meeting.
13. Keputusan rapat Dewan Komisaris harus diambil berdasarkan 13. The Board of Commissioners’ meeting results must be taken
musyawarah untuk mufakat. Dalam hal keputusan based on deliberation to reach consensus. In the event the
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berdasarkan musyawarah untuk mufakat tidak dapat tercapai deliberations are not reached for consensus, then the decision
maka keputusan diambil dengan pemungutan suara. is made with the voting.
14. Apabila suara yang setuju dan tidak setuju sama berimbang, 14. If agreed and disagreed votes are equal, the chairman of the
maka pimpinan rapat Dewan Komisaris yang akan meeting of the Board of Commissioners that will determine.
menentukan
15. Setiap anggota Dewan Komisaris yang hadir berhak 15. Each of the members of the Board of Commissioners present
mengeluarkan 1 (satu) suara dan tambahan 1 (satu) suara is entitled to cast 1 (one) vote and additional 1 (one) vote for
untuk setiap anggota Dewan Komisaris yang diwakilinya. each of the members of the Board of Commissioners that is
represented.
16. Dewan Komisaris dapat juga mengambil keputusan yang sah 16. The Board of Commissioners can also take valid decision
tanpa mengadakan rapat Dewan Komisaris dengan ketentuan without commencing the meeting of the Board of
semua anggota Dewan Komisaris telah diberitahu secara Commissioners providing that all members of the Board of
tertulis dan semua anggota Dewan Komisaris memberikan Commissioners have been notified in written and all members
persetujuan mengenai usul yang diajukan secara tertulis of the Board of Commissioners provide approval regarding
serta menandatangani persetujuan tersebut. Keputusan yang an input that is proposed in written and sign the consent.
diambil dengan cara demikian, mempunyai kekuatan yang The decision that is taken by this way has equal power to the
sama dengan keputusan rapat Dewan Komisaris. decision of the Board of Commissioners’ meeting.
17. Segala keputusan Dewan Komisaris bersifat mengikat bagi 17. All decisions of the Board of Commissioners are binding to all
seluruh anggota Dewan Komisaris. members of the Board of Commissioners.
18. Setidaknya sekali dalam setahun Dewan Komisaris harus 18. At least once in a year, the Board of Commissioners must
menyelenggarakan rapat yang membahas kinerja Dewan hold a meeting that discusses on the Board of Commissioners’
Komisaris. performance.
19. Hasil rapat Dewan Komisaris wajib dituangkan dalam 19. The results of the Board of Commissioners’ meeting must
risalah rapat dan seluruh peserta anggota Dewan Komisaris be drafted in the minutes of the meeting and all participants
yang hadir dan yang turut serta dengan menggunakan of the members of the Board of Commissioners present and
teknologi telekonferensi menandatangani risalah serta participating with using teleconference technology sign the
didokumentasikan secara baik. minutes and it is well-documented.
20. Sekretariat Dewan Komisaris bertanggung jawab menyiapkan 20. Secretariat of the Board of Commissioners is responsible for
bahan-bahan rapat yang diperlukan, bertindak sebagai preparing required meeting materials, acting for the minutes
notulis, dan mendokumentasikan risalah rapat Dewan secretary, and documents the minutes of the Board of
Komisaris. Commissioners’ meeting.
21. Risalah asli dari setiap rapat Dewan Komisaris harus 21. The original minutes from each of the meetings of the Board
didokumentasikan dalam kumpulan tahunan dan disimpan of Commissioners must be documented in annual compilation
serta harus tersedia bila diminta oleh setiap anggota Dewan and kept as well as available if requested by each of the
Komisaris. members of the Board of Commissioners.
22. Perbedaan pendapat (dissenting opinions) yang terjadi dalam 22. Dissenting opinions that occur in the Board of Commissioners’
Rapat Dewan Komisaris wajib dicantumkan secara jelas dalam meeting must be clearly stated in the minutes of the meeting
risalah rapat beserta alasan perbedaan pendapat tersebut. along with the reasons for the dissent.
23. Setiap anggota Dewan Komisaris berhak menerima salinan 23. Each of the members of the Board of Commissioners
risalah Rapat Dewan Komisaris, terlepas apakah anggota is entitled to receive the minutes of the Board of
Dewan Komisaris yang bersangkutan hadir atau tidak hadir Commissioners’ meetings, whether the related member of
dalam Rapat Dewan Komisaris tersebut. the Board of Commissioners is present or not in the Board of
Commissioners’ meetings.
Rapat Internal Dewan Komisaris Internal Meeting of Board of Commissioners
RENCANA RAPAT INTERNAL DEWAN KOMISARIS THE INTERNAL MEETING OF THE BOARD OF
COMMISSIONERS
Rapat Dewan Komisaris diadakan sekurang-kurangnya 1 (satu) Meetings of the Board of Commissioners are held at least 1 (one)
kali dalam satu bulan. Rapat tersebut antara lain membahas: time in a month. The meeting discussed, among others:
1. Evaluasi atas kebijakan strategis dan rencana bisnis Bank. 1. Evaluation of the Bank’s strategic policies and business plans.
2. Evaluasi atas kinerja bank secara periodik dan posisi akhir 2. Periodic evaluation of Company performance and year-end
tahun. position.
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3. Evaluasi hasil pemantauan atas kepatuhan Bank terhadap 3. Evaluate the results of monitoring of the Bank’s compliance
Peraturan Otoritas Jasa Keuangan dan peraturan perundang- with the Financial Services Authority Regulations and
undangan yang berlaku. applicable laws and regulations.
4. Rapat terkait hal – hal tertentu yang sifatnya insidentil 4. Meetings related to certain matters that are incidental.
REALISASI RAPAT INTERNAL DEWAN KOMISARIS REALIZATION OF THE INTERNAL MEETING OF THE
BOARD OF COMMISSIONERS
Sepanjang tahun 2023, agenda, tanggal dan peserta Rapat During 2023, the agenda, date and participants of the Board of
Dewan Komisaris adalah sebagai berikut. Commissioners’ Meeting are as follows.
Tabel Rapat Dewan Komisaris
Table of the Internal Meeting of the Board of Commissioners
Tanggal Agenda Rapat Peserta Rapat
No.
Date Meeting Agenda Meeting Participants
Farid Rahman
Pembahasan Laporan Komite Audit Terkait Penunjukan KAP Audit Pengelolaan Dana Muhadi*
Rabu 4 Januari 2023
CSR Tahun 2022 Setiawan
1 Wednesday, January 4,
Discussion of the Audit Committee Report Regarding the Appointment of Audit KAP Wangsaatmaja
2023
for CSR Fund Management in 2022 Diding Sakri
Fahlino F. Sjuib
Farid Rahman
Pembahasan Rekomendasi Komite Nominasi dan Remunerasi Terkait Proses Pengisian Muhadi*
Rabu, 8 Februari 2023 Pengurus Setiawan
2
Wednesday, February 8 Discussion of the Nomination and Remuneration Committee Recommendations Wangsaatmaja
2023 Regarding the Management Filling Process Diding Sakri
Fahlino F. Sjuib
1. Pembahasan Laporan Pengawasan Dewan Komisaris atas Realisasi Rencana Bisnis
Bank (RBB) bank bjb Periode semester II tahun 2022.
2. Pembahasan Laporan Komite Audit terkait dengan penunjukan KAP untuk Kaji
Ulang Fungsi Satuan Kerja Audit Internal Farid Rahman
3. Pembahasan Laporan Komite Nominasi dan Remunerasi terkait Penilaian Kinerja Muhadi*
Selasa, 21 Februari 2023
Direksi tahun buku 2022. Setiawan
3 Tuesday, February 21
1. Discussion of the Board of Commissioners’ Supervision Report on the Realization Wangsaatmaja
2023
of bank bjb’s Bank Business Plan (RBB) for the second semester of 2022. Diding Sakri
2. Discussion of the Audit Committee Report related to the appointment of KAP to Fahlino F. Sjuib
review the function of the Internal Audit Work Unit
3. Discussion of the Nomination and Remuneration Committee Report regarding the
Performance Assessment of the Board of Directors for the 2022 financial year.
Farid Rahman
Pembahasan Rekomendasi Komite Nominasi dan Remunerasi terkait dengan
Muhadi*
Selasa, 21 Februari 2023 pengisian jabatan anggota Komite Nominasi dan Remunerasi dari Pihak Independen
Setiawan
4 Tuesday, February 21, Discussion of the Nomination and Remuneration Committee Recommendations
Wangsaatmaja
2023 related to the filling positions of members of the Nomination and Remuneration
Diding Sakri
Committee from Independent Parties
Fahlino F. Sjuib
Farid Rahman
Pembahasan Rekomendasi Komite Audit terkait dengan Publikasi Laporan Keuangan Muhadi*
Jumat, 24 Februari 2023 bank bjb Periode 31 Desember 2022 Setiawan
5
Friday, February 24, 2023 Discussion of Audit Committee Recommendations related to the Publication of bank Wangsaatmaja
bjb Financial Reports for the Period of December 31, 2022 Diding Sakri
Fahlino F. Sjuib
1. Pembahasan Laporan Pengawasan Dewan Komisaris Pada RUPS Tahunan Tahun Farid Rahman
Buku 2022 Muhadi*
Rabu, 8 Maret 2023
2. Pembahasan Laporan KNR pada RUPS Tahun Buku 2022 Setiawan
6 Wednesday, March 8,
1. Discussion of the Board of Commissioners’ Supervision Report at the 2022 Annual Wangsaatmaja
2023
GMS Diding Sakri
2. Discussion of the KNR Report at the GMS Financial Year 2022 Fahlino F. Sjuib
1. Pembahasan Laporan Pengawasan Dewan Komisaris untuk RUPS Tahunan Tahun
Buku 2022 Farid Rahman
2. Pembahasan Laporan KNR terkait Rekomendasi KNR untuk RUPS Tahunan Tahun Muhadi*
Selasa, 28 Maret 2023 Buku 2022 Setiawan
7
Tuesday, March 28, 2023 1. Discussion of the Board of Commissioners’ Supervision Report for the 2022 Annual Wangsaatmaja
GMS Diding Sakri
2. Discussion of the KNR Report regarding KNR Recommendations for the 2022 Fahlino F. Sjuib
Annual GMS
Laporan Tahunan 2023
698 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 190
CORPORATE
GOVERNANCE
Tanggal Agenda Rapat Peserta Rapat
No.
Date Meeting Agenda Meeting Participants
Farid Rahman
Muhadi*
Senin, 3 April 2023 Pembahasan Laporan Komite Nominasi dan Remunerasi Setiawan
8
Monday, April 3, 2023 Discussion of the Nomination and Remuneration Committee Report Wangsaatmaja
Diding Sakri
Fahlino F. Sjuib
Farid Rahman
Muhadi*
Senin, 17 April 2023 Pembahasan Permohonan Cuti Direktur Utama Setiawan
9
Monday, April 17, 2023 Discussion of the President Director’s Leave Request Wangsaatmaja
Diding Sakri
Fahlino F. Sjuib
Farid Rahman
Pembahasan Rekomendasi Komite Audit Terkait Penerbitan Laporan Keuangan Muhadi*
Kamis, 27 April 2023 Periode 31 Maret 2023 Setiawan
10
Thursday, April 27, 2023 Discussion of Audit Committee Recommendations Regarding the Issuance of Financial Wangsaatmaja
Reports for the Period of March 31, 2023 Diding Sakri
Fahlino F. Sjuib
Farid Rahman
Muhadi*
Senin, 8 Mei 2023 Pembahasan Laporan Komite Nominasi dan Remunerasi Setiawan
11
Monday, May 8, 2023 Discussion of the Nomination and Remuneration Committee Report Wangsaatmaja
Diding Sakri
Fahlino F. Sjuib
Farid Rahman
Pembahasan Laporan Komite Nominasi dan Remunerasi terkait Rekomendasi Komite
Muhadi*
Rabu, 24 mei 2023 Nominasi untuk Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023
Setiawan
12 Wednesday, May 24, Discussion of the Nomination and Remuneration Committee Report regarding the
Wangsaatmaja
2023 Nomination Committee’s Recommendations for the 2023 Extraordinary General
Diding Sakri
Meeting of Shareholders (GMS)
Fahlino F. Sjuib
Farid Rahman
Pembahasan Laporan dan Rekomendasi Komite Nominas dan Remunerasi Setiawan
Selasa, 29 Mei 2023
13 Discussion of the Nomination and Remuneration Committee Report and Wangsaatmaja
Tuesday, May 29, 2023
Recommendations Diding Sakri
Fahlino F. Sjuib
Farid Rahman
Rabu, 14 Juni 2023 Setiawan
Pembahasan Permohonan Cuti Direktur Utama
14 Wednesday, June 14, Wangsaatmaja
Discussion of the President Director’s Leave Request
2023 Diding Sakri
Fahlino F. Sjuib
Pembahasan Laporan Komite Audit Terkait Pengadaan Jasa Kantor Akuntan Publik Farid Rahman
untuk Audit Laporan Keuangan bank bjb Tahun Buku 2023 Setiawan
Selasa, 27 Juni 2023
15 Discussion of the Audit Committee Report Regarding the Procurement of Public Wangsaatmaja
Tuesday, June 27, 2023
Accounting Firm Services for the Audit of bank bjb’s Financial Report for the 2023 Diding Sakri
Financial Year Fahlino F. Sjuib
Farid Rahman
Setiawan
Selasa, 18 Juli 2023 Pembahasan Laporan Komite Nominasi dan Remunerasi
16 Wangsaatmaja
Tuesday, July 18, 2023 Discussion of the Nomination and Remuneration Committee Report
Diding Sakri
Fahlino F. Sjuib
Farid Rahman
Pembahasan Laporan Komite Audit terkait Publikasi Laporan Keuangan Periode Juni
Setiawan
Selasa, 25 Juli 2023 2023.
17 Wangsaatmaja
Tuesday, July 25, 2023 Discussion of the Audit Committee Report regarding the Publication of Financial
Diding Sakri
Report for the period of June 2023.
Fahlino F. Sjuib
Farid Rahman
Pembahasan Rekomendasi Komite Audit Terkait Penunjukan Kantor Akuntan Publik
Rabu, 9 Agustus 2023 Setiawan
untuk Pendampingan Dalam Surat Berharga Perpetual I tahun 2023.
18 Wednesday, August 9, Wangsaatmaja
Discussion of Audit Committee Recommendations Regarding the Appointment of a
2023 Diding Sakri
Public Accounting Firm for the Assistance of Perpetual Securities I in 2023.
Fahlino F. Sjuib
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 699
Page 191
TATA KELOLA
PERUSAHAAN
Tanggal Agenda Rapat Peserta Rapat
No.
Date Meeting Agenda Meeting Participants
Farid Rahman
Rudie Kusmayadi**
Pembagian Tugas dan Pelaksanaan Kegiatan Dewan Komisaris Setiawan
Selasa, 22 Agustus 2023
19 Distribution of Duties and Implementation of Activities of the Board of Wangsaatmaja
Tuesday, August 22, 2023
Commissioners Tomsi Tohir**
Diding Sakri
Fahlino F. Sjuib
1. Pembahasan Rekomendasi Komite Audit terkait Penerbitan Laporan Keuangan
Periode September 2023
2. Pembahasan Rekomendasi Komite Audit Terkait Perubahan RBB Audit Teknologi
Informasi Triwulan IV Tahun 2023 Farid Rahman
3. Pembahasan Rekomendasi Komite Nominasi dan Remunerasi Terkait Perpanjangan Rudie Kusmayadi**
Selasa, 24 Oktober 2023 Perjanjian Kerja Komite Audit dari Pihak Independen Setiawan
20 Tuesday, October 24, 1. Discussion of the Audit Committee’s Recommendations regarding the Issuance of Wangsaatmaja
2023 Financial Report for the Period of September 2023 Tomsi Tohir**
2. Discussion of the Audit Committee’s Recommendations Regarding Changes to the Diding Sakri
Information Technology Audit RBB for the Fourth Quarter of 2023 Fahlino F. Sjuib
3. Discussion of the Nomination and Remuneration Committee’s Recommendations
Regarding the Extension of the Audit Committee’s Work Agreement from
Independent Parties
1. Pembahasan Laporan Komite Audit terkait rekomendasi persetujuan Rencana Kerja
dan Anggaran Tahunan (RKAT) Satuan Kerja Audit Internal Tahun 2024.
2. Pembahasan Rekomendasi Penunjukan Kantor Akuntan Publik untuk Audit
Laporan Keuangan bank bjb Tahun Buku 2023.
Farid Rahman
3. Pembahasan Rekomendasi Penunjukan Kantor Akuntan Publik untuk Audit
Rudie Kusmayadi**
Selasa, 14 November Laporan Keuangan Dana Pensiun Lembaga Keuangan bank bjb Tahun Buku 2023.
Setiawan
2023 1. Discussion of the Audit Committee Report Regarding Recommendations for
21 Wangsaatmaja
Tuesday, November 14, Approval of the Internal Audit Work Unit’s Annual Work Plan and Budget (RKAT)
Tomsi Tohir**
2023 for 2024.
Diding Sakri
2. Discussion of Recommendations for the Appointment of a Public Accounting Firm
Fahlino F. Sjuib
to Audit bank bjb’s Financial Report for the 2023 Financial Year.
3. Discussion of Recommendations for the Appointment of a Public Accounting Firm
to Audit the Financial Report of the bank bjb Financial Institution Pension Fund for
the 2023 Financial Year.
1. Laporan Komite Pemantau Risiko atas Evaluasi Kebijakan, Strategi dan
Pelaksanaan Kerangka Manajemen Risiko Farid Rahman
2. Pembahasan Rekomendasi Komite Nominasi dan Remunerasi terkait Perpanjangan Rudie Kusmayadi**
Kamis, 21 November
Perjanjian Kerja Anggota Komite Pemantau Risiko dari Pihak Independen Setiawan
2023
22 1. Risk Monitoring Committee Report on Evaluation of Policy, Strategy, and Wangsaatmaja
Thursday, November 21,
Implementation of the Risk Management Framework Tomsi Tohir**
2023
2. Discussion of the Nomination and Remuneration Committee Recommendations Diding Sakri
regarding the Extension of the Employment Agreements of Risk Monitoring Fahlino F. Sjuib
Committee Members from Independent Parties
Farid Rahman
Rudie Kusmayadi**
Kamis, 28 Desember 2023 Setiawan
Persetujuan Cuti Direktur Utama bank bjb
23 Thursday, December 28, Wangsaatmaja
bank bjb President Director Leave Approval
2023 Tomsi Tohir**
Diding Sakri
Fahlino F. Sjuib
* Diberhentikan dengan hormat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 tanggal 25 Mei 2023
** Diangkat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 dan Efektif menjabat pada tanggal 9 Agustus 2023 berdasarkan
hasil keputusan Penilaian Kemampuan dan Kepatutan dari Otoritas Jasa Keuangan.
* Respectfully dismissed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) dated May 25, 2023
** Appointed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) and effective on August 9 2023 based on the results of the Fit and
Proper Test decision from the Financial Services Authority.
Laporan Tahunan 2023
700 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 192
CORPORATE
GOVERNANCE
Rapat Gabungan Dewan Komisaris Joint Meeting of The Board of Commissioners
Mengundang Direksi Invites The Board of Directors
Sepanjang tahun 2023, agenda, tanggal dan peserta Rapat Throughout 2023, the agenda, dates and participants of the Joint
Gabungan Dewan Komisaris mengundang Direksi adalah sebagai Meeting of the Board of Commissioners inviting the Board of
berikut. Directors are as follows.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 701
Page 193
TATA KELOLA
PERUSAHAAN
Tabel Rapat Gabungan Dewan Komisaris dengan Direksi
Table of Joint Meetings between the Board of Commissioners and the Board of Directors
Dewan Komisaris
Hari & Board of Commissioners
No Tanggal Agenda
Days & Dates Farid Setiawan Fahlino Diding Rudie
Muhadi *
Rahman Wangsaatmaja F. Sjuib Sakri Kusmayadi*
1. Pembahasan Kinerja
Rabu, 11
bank bjb Posisi
Januari 2023
Desember 2022
1 Wednesday, 1 1 1 1 1
2. Peran KIC dan KIW
January 11,
dalam memitigasi
2023
Fraud
1. Pembahasan
Persetujuan
Kamis, 19 Perubahan Kebijakan
Januari 2023 Perkreditan Bank
2 Thursday, 2. Pembahasan Tingkat 1 1 1 1
January 19, Kesehatan Bank
2023 Secara Individu Posisi
Semester 2 Tahun
2022
Selasa, 31
Januari 2023 Realisasi Rencana Bisnis
3 Tuesday, DPLK Periode Semester 1 1 1 1
January 31, II Tahun 2022
2023
Pembahasan Penerapan
ISO 37001:2016 Sistem
Manajemen Anti
Penyuapan (SMAP)
dan ISO 37301:2021
Selasa, 31
Sistem Manajemen
Januari 2023
Kepatuhan (SMK)
4 Tuesday, 1 1 1 1
bank bjb Tahun 2022
January 31,
dengan ruang lingkup:
2023
Proses Pengajuan
dan Pencairan Kredit
Komersial & Korporasi
pada Kantor Cabang
Utama Bandung
1. Pembahasan Kinerja
Selasa, 7 bank bjb Posisi
Februari 2023 Januari 2023
5 Tuesday, 2. Pembahasan 1 1 1 1 1
February 7, Persiapan RUPS
2023 Tahunan Tahun
Buku 2022
Rabu, 8
Pembahasan
Februari 2023
Information Technology
6 Wednesday, 1 1 1 1 1
Strategic Plan (ITSP)
February 8,
bank bjb
2023
Senin, 13
Februari 2023 Pembahasan
7 Monday, Persetujuan Right Issue 1 1 1 1
February 13, bank bjb
2023
Laporan Tahunan 2023
702 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 194
CORPORATE
GOVERNANCE
Direksi
Directors
Agenda
Tomsi Yuddy Cecep Nancy Rio Tedi
Nia Kania Suartini
Tohir* Renaldi Trisna Adistyasari Lanasier Setiawan
1. Discussion of bank
bjb’s performance
for December 2022
1 1 1 1 1 1 1
2. The role of KIC and
KIW in mitigating
fraud
1. Discussion on
Approval of
Changes to Bank
Credit Policy
2. Discussion of
1 1 1 1 1 1 1 Individual Bank
Soundness Levels
in the Second
Semester of 2022
Realization of the
DPLK Business Plan for
1 the Second Semester
Period of 2022
Discussion on the
Implementation of
ISO 37001:2016 Anti-
Bribery Management
System (SMAP) and
ISO 37301:2021
bank bjb Compliance
1 Management System
(SMK) in 2022 with
the scope: Commercial
& Corporate Credit
Application and
Disbursement Process
at Bandung Main
Branch Office
1. Discussion of bank
bjb performance for
January 2023
1 1 1 1 1 1 1 2. Discussion of
Preparation for the
2022 Annual GMS
Discussion of bank
bjb’s Information
1 Technology Strategic
Plan (ITSP).
Discussion on the
Approval of bank bjb’s
1 1 1 1 1 Right Issue
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 703
Page 195
TATA KELOLA
PERUSAHAAN
Dewan Komisaris
Hari & Board of Commissioners
No Tanggal Agenda
Days & Dates Farid Setiawan Fahlino Diding Rudie
Muhadi *
Rahman Wangsaatmaja F. Sjuib Sakri Kusmayadi*
1. Pembahasan
Persiapan RUPS
Rabu, 8 Maret
Tahunan Tahun
2023
8 Buku 2022 1 1 1 1 1
Wednesday,
2. Pembahasan
March 8, 2023
Progress Hasil
Sosialisasi Right Issue
1. Pembahasan
Persetujuan
Kebijakan Dana dan
Rabu, 15 Maret Jasa
2023 2. Pembahasan Kinerja
9 Wednesday, bank bjb Periode 1 1 1 1 1
March 15, Februari 2023
2023 3. Tematik: Evaluasi
Penyelenggaraan
Sistem Pembayaran
bank bjb
1. Persiapan RUPS
Tahunan Tahun
Buku 2022
Selasa, 28
2. Pembahasan
Maret 2023
10 Persetujuan Risk 1 1 1 1 1
Tuesday, March
Apetite Statement
28, 2023
(RAS) dan Risk
Tolerance terkait
teknologi informasi
1. Pembahasan
Persetujuan Fasilitas
Kredit Kepada Pihak
Selasa, 28 Terkait AN. Koperasi
Maret 2023 Karyawan Ziebar
11 1 1 1 1 1
Tuesday, March 2. Pembahasan
28, 2023 Persetujuan Fasilitas
Kredit Kepada Pihak
Terkait AN. Artdeco
Sejahtera Abadi
1. Kinerja bank bjb
periode Maret 2023
Rabu, 12 April
2. Tematik: Evaluasi
2023
12 Pelaksanaan Fungsi 1 1 1 1 1
Wednesday,
Kepatuahan Periode
April 12 2023
Semester II Tahun
2022
Pembahasan Kinerja
Senin, 17 April
Dana Pensiun Lembaga
2023
13 Keuangan (DPLK) bank 1 1 1 1 1
Monday, April
bjb Periode Triwulan I
17, 2023
Tahun 2023
Laporan Tahunan 2023
704 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 196
CORPORATE
GOVERNANCE
Direksi
Directors
Agenda
Tomsi Yuddy Cecep Nancy Rio Tedi
Nia Kania Suartini
Tohir* Renaldi Trisna Adistyasari Lanasier Setiawan
1. Discussion of
Preparation for the
2022 Annual GMS
2. Discussion of
1 1 1 1 1 1 1 Progress on
the Right Issue
Socialization Results
1. Discussion of Fund
and Services Policy
Approval
2. Discussion of bank
bjb’s performance
1 1 1 1 1 1 1 for the period of
February 2023
3. Thematic: Evaluation
of bank bjb
Payment System
Implementation
1. Preparation for the
2022 Annual GMS
2. Discussion of
Approval of the Risk
1 1 1 1 1 1 1 Apetite Statement
(RAS) and Risk
Tolerance Related
to Information
Technology
1. Discussion of Credit
Facility Approval
with Related Parties
on behalf of Ziebar
Koperasi Karyawan
1 2. Discussion of Credit
Facility Approval
with Related
Parties on behalf of
Artdeco Sejahtera
Abadi
1. bank bjb
performance for
the period of March
2023
2. Thematic:
1 1 1 1 1 1 1 Evaluation of the
Implementation of
the Compliance
Function for the
Second Semester
Period of 2022
Discussion of the
Performance of the
bank bjb Financial
1
Institution Pension
Fund (DPLK) for the
First Quarter of 2023
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 705
Page 197
TATA KELOLA
PERUSAHAAN
Dewan Komisaris
Hari & Board of Commissioners
No Tanggal Agenda
Days & Dates Farid Setiawan Fahlino Diding Rudie
Muhadi *
Rahman Wangsaatmaja F. Sjuib Sakri Kusmayadi*
1. Penyertaan Modal
Rabu, 17 Mei Kepada Bank
2023 Bengkulu Tahap II
14 1 1 1 1 1
Wednesday, 2. Kinerja bank bjb
May 17, 2023 Periode April 2023
3. Lain-lain
Penyediaan Dana
Rabu, 17 Mei Kepada Pihak Terkait
2023 Untuk Kartu Kredit
15 1 1 1 1
Wednesday, Pemerintah Domestik
May 17, 2023 (KKPD) AN BPKAD
Pemprov Jabar
1. Pembahasan Kinerja
Periode Mei 2023
2. Pembahasan
Selasa, 13 Juni
Persetujuan Struktur
2023
16 Organisasi bank bjb 1 1 1 1
Tuesday, June
3. Pembahasan
13, 2023
Persetujuan Revisi
RBB Tahun 2023 -
2025
Pembahasan
Rabu, 21 Juni Persetujuan Fasilitas
2023 Kredit Kepada Pihak
17 1 1 1 1
Wednesday, Terkait an, Koperasi
June 21, 2023 Konsumen bank bjb
“Ziebar”
Selasa, 27 Juni
2023 Pembahasan Penerapan
18 1 1 1 1
Tuesday, June Program APU PPT
27, 2023
Selasa, 18 Juli
Pembahasan Kinerja
2023
19 bank bjb Periode Juni 1 1 1 1
Tuesday, July
2023
18, 2023
Selasa, 18 Juli Pembahasan Kinerja
2023 Dana Pensiun Lembaga
20 1 1 1 1
Tuesday, July Keuangan (DPLK) bank
18, 2023 bjb Periode Juni 2023
Selasa, 22
Agustus 2023 Pembahasan Kinerja
21 Tuesday, bank bjb Periode Juli 1 1 1 1 1
August 22, 2023
2023
Permohonan
Persetujuan
Selasa, 22
Restrukturisasi Fasilitas
Agustus 2023
Kredit KMK BPR
22 Tuesday, 1 1 1 1 1
Installment Pihak
August 22,
Terkait an. PT BPR
2023
Indramayu Jabar
(Perseroda)
Laporan Tahunan 2023
706 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 198
CORPORATE
GOVERNANCE
Direksi
Directors
Agenda
Tomsi Yuddy Cecep Nancy Rio Tedi
Nia Kania Suartini
Tohir* Renaldi Trisna Adistyasari Lanasier Setiawan
1. Capital participation
in Bank Bengkulu
Phase II
1 1 1 1 1 1 1 2. bank bjb
performance for the
period of April 2023
3. Others
Providing Funds to
Related Parties for
Domestic Government
1 Credit Cards (KKPD)
on behalf of BPKAD
West Java Provincial
Government
1. Discussion of
Performance for the
Period of May 2023
2. Discussion on
Approval of bank
1 1 1 1 1 1 1 bjb Organizational
Structure
3. Discussion on
Approval of RBB
Revisions for 2023 –
2025
Discussion on Approval
of Credit Facilities to
Related Parties on
behalf of bank bjb
“Ziebar” Koperasi
Konsumen
Discussion of the
Implementation of the
1
APU PPT Program
Discussion of bank bjb
performance for the
1 1 1 1 1 1 1
period of June 2023
Discussion of the
Performance of the
bank bjb Financial
1
Institution Pension
Fund (DPLK) for the
Period of June 2023
Discussion of bank bjb
performance for the
1 1 1 1 1 1 1 1 period of July 2023
Request for Approval
of Restructuring of
KMK BPR Credit Facility
Installment for Related
1
Parties on behalf of PT
BPR Indramayu Jabar
(Perseroda)
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 707
Page 199
TATA KELOLA
PERUSAHAAN
Dewan Komisaris
Hari & Board of Commissioners
No Tanggal Agenda
Days & Dates Farid Setiawan Fahlino Diding Rudie
Muhadi *
Rahman Wangsaatmaja F. Sjuib Sakri Kusmayadi*
Pembahasan
Selasa, 29 Permohonan
Agustus 2023 Persetujuan
23 Tuesday, Restrukturisasi Kredit 1 1 1 1 1
August 29, Kepada Pihak Terkait
2023 AN. BPR Indramayu
Jabar
Selasa, 5
Pembahasan Kinerja
September
Anak Perusahaan dan
2023
24 Perusahaan Terelasi 1 1 1 1 1
Tuesday,
dalam Konglomerasi
September 5,
Keuangan bank bjb
2023
Selasa, 19
September
Pembahasan Kinerja
2023
25 bank bjb periode 1 1 1 1 1
Tuesday,
Agustus 2023
September 19,
2023
Pembahasan
Rabu, 20
Persetujuan
September
Permohonan
2023
26 Perpanjangan Fasilitas 1 1 1 1 1
Wednesday,
Kredit Kepada Pihak
September 20,
Terkait An. BPR
2023
Cipatujah Jabar
1. Pembahasan
Persetujuan Atas
Rencana Penyertaan
Modal Lanjutan
Rabu, 27
Dalam Rangka
September
Penyehatan BPR
2023
27 Intan Jabar 1 1 1 1 1
Wednesday,
2. Pembahasan
September 27,
Permohonan
2023
Persetujuan Risk
Apetite Statement
(RAS) dan Risk
Tolerance
1. Pembahasan Kinerja
bank bjb Periode
September 2023
Jumat, 13 2. Pembahasan
Oktober 2023 Pemberlakuan POJK
28 1 1 1 1 1
Friday, October Nomor 17 Tahun
13, 2023 2023 Tentang
Penerapan Tata
Kelola Bagi Bank
Umum
Pembahasan Kinerja
Jumat, 13 Unit Dana Pensiun
Oktober 2023 Lembaga Keuangan
29 1 1 1 1 1
Friday, October (DPLK) bank bjb
13, 2023 periode September
2023
Laporan Tahunan 2023
708 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 200
CORPORATE
GOVERNANCE
Direksi
Directors
Agenda
Tomsi Yuddy Cecep Nancy Rio Tedi
Nia Kania Suartini
Tohir* Renaldi Trisna Adistyasari Lanasier Setiawan
Discussion of Credit
Restructuring Approval
Request to Related
1 Parties on behalf of
BPR Indramayu Jabar
Discussion of the
Performance of
Subsidiaries and
1 1 1 1 1 1 1 1
Related Companies in
the bank bjb Financial
Conglomeration
Discussion of bank bjb
performance for the
period of August 2023
1 1 1 1 1 1 1 1
Discussion of Approval
of Request for the
Extension of Credit
1 Facilities to Related
Parties on behalf of
BPR Cipatujah Jabar
1. Discussion of
Approval of the
Plan for Further
Capital Inclusion
in the Context of
Restructuring BPR
1 1 1 1 1 1 1 1 Intan Jabar
2. Discussion of
the Request for
Approval of the Risk
Apetite Statement
(RAS) and Risk
Tolerance
1. Discussion of bank
bjb’s performance
for the period of
September 2023
2. Discussion of the
1 1 1 1 1 1 1 1 Implementation of
POJK Number 17
of 2023 concerning
the Implementation
of Governance for
Commercial Banks
Discussion of the
Performance of the
bank bjb Financial
1 Institution Pension
Fund Unit (DPLK)
for the period of
September 2023
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 709
Page 201
TATA KELOLA
PERUSAHAAN
Dewan Komisaris
Hari & Board of Commissioners
No Tanggal Agenda
Days & Dates Farid Setiawan Fahlino Diding Rudie
Muhadi *
Rahman Wangsaatmaja F. Sjuib Sakri Kusmayadi*
Pembahasan Penerapan
Kamis, 19
Sistem Manajemen
Oktober 2023
Kepatuhan Ruang
30 Thursday, 1 1 1 1 1
Lingkup Fungsi
October 19,
Kepatuhan Pada Divisi
2023
Kepatuhan & APU PPT
Selasa, 24
Oktober 2023
Pembahasa Revisi
31 Tuesday, 1 1 1 1 1
Kebijakan Kepatuhan
October 24,
2023
Selasa, 21
Pembahasan Rencana
November
Bisnis Dana Pensiun
2023
32 Lembaga Keuangan 1 1 1 1 1
Tuesday,
(DPLK) bank bjb Tahun
November 21,
2024
2023
1. Pembahasan
Persetujuan Recovery
Plan bank bjb
Selasa, 21 2. Pembahasan
November Persetujuan Rencana
2023 Bisnis Bank (RBB)
33 1 1 1 1 1
Tuesday, dan Rencana
November 21, Aksi Keuangan
2023 Berkelanjutan (RKAB)
3. Pembahasan Kinerja
bank bjb Periode
Oktober 2023
Selasa, 28
November Pembahasan
2023 Permohonan
34 1 1 1 1 1
Tuesday, Persetujuan Kebijakan
November 28, APU, PPT dan PPPSPM
2023
1. Pembahasan Kinerja
Selasa, 12
bank bjb Periode
Desember 2023
November 2023
35 Tuesday, 1 1 1 1 1
2. Pembahasan
December 12,
Persetujuan
2023
Kebijakan Treasury
Pembahasan
Rabu, 20
Persetujuan Penyediaan
Desember 2023
Dana Fasilitas Kredit
36 Wednesday, 1 1 1 1 1
Kepada Pihak Terkait
December 20,
AN. Koperasi Karyawan
2023
“Ziebar”
* Diberhentikan dengan hormat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 tanggal 25 Mei 2023
** Diangkat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 dan Efektif menjabat pada tanggal 9 Agustus 2023 berdasarkan hasil
keputusan Penilaian Kemampuan dan Kepatutan dari Otoritas Jasa Keuangan.
* Respectfully dismissed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) dated May 25, 2023
** Appointed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) and effective on August 9, 2023 based on the results of the Fit and
Proper Test decision from the Financial Services Authority.
Laporan Tahunan 2023
710 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 202
CORPORATE
GOVERNANCE
Direksi
Directors
Agenda
Tomsi Yuddy Cecep Nancy Rio Tedi
Nia Kania Suartini
Tohir* Renaldi Trisna Adistyasari Lanasier Setiawan
Discussion of
the Compliance
Management System
Implementation in the
1 1
Scope of Compliance
Function for the
Division of Compliance
& APU PPT
Discussion of
Compliance Policy
1 1 1 1 1 Revisions
Discussion of the bank
bjb Financial Institution
Pension Fund (DPLK)
1 1 1 1 1 1 1 1
Business Plan for 2024
1. Discussion of bank
bjb Recovery Plan
Approval
2. Discussion of
Approval of the
Bank Business
1 1 1 1 1 1 1 1 Plan (RBB) and
Sustainable Financial
Action Plan (RKAB)
3. Discussion of bank
bjb performance
for the period of
October 2023
Discussion of Request
for Policy Approval
AML, CFT & CPF
1 1
1. Discussion of bank
bjb performance
for the period of
1 1 1 1 1 1 1 1 November 2023
2. Discussion of
the Approval for
Treasury Policy
Discussion of the
Approval for Providing
Credit Facility Funds
1 1
to Related Parties on
behalf of Koperasi
Karyawan “Ziebar”
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 711
Page 203
TATA KELOLA
PERUSAHAAN
Selain mengikuti rapat gabungan Dewan Komisaris mengundang In addition to attending meetings of the Board of Commissioners
Direksi, Dewan Komisaris juga mengikuti rapat gabungan Direksi inviting the Directors, the Board of Commissioners also attends
mengundang Dewan Komisaris. Agenda dan peserta rapat meetings of the Directors inviting the Board of Commissioners.
gabungan Direksi mengundang Dewan Komisaris tersaji pada The agenda and participants of the meeting of the Board of
bagian Rapat Direksi pada Bab Tata Kelola Perusahaan dalam Directors inviting the Board of Commissioners are presented in the
Laporan tahunan ini. Board of Directors Meeting section in the Corporate Governance
Chapter of this annual report.
Frekuensi dan Kehadiran Rapat Frequency and Attendance of Meeting
Tabel Frekuensi dan Kehadiran Rapat Dewan Komisaris
Table of Frequency and Attendance of Board of Commissioners’ Meetings
Rapat Gabungan Dewan Komisaris
Rapat Dewan Komisaris dengan Direksi RUPS
Board of Commissioners Meeting Joint Meeting of the Board of Commissioners GMS
and Directors
Nama Jabatan Jumlah dan Persentasi Kehadiran Jumlah dan Persentase Kehadiran Jumlah dan Persentase Kehadiran
Name Position Number and Percentage of Attendance Number and Percentage of Attendance Number and Percentage of Attendance
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Rapat Kehadiran Persentase Rapat Kehadiran Persentase Rapat Kehadiran Persentase
Number of Total Percentage Number of Total Percentage Number of Total Percentage
Meetings Attendance Meetings Attendance Meetings Attendance
Komisaris Utama
Independen
Farid Rahman Independent 23 23 100% 36 36 100% 2 2 100%
President
Commissioner
Komisaris
Muhadi* 12 12 100% 15 15 100% 2 2 100%
Commissioner
Rudie Komisaris
5 5 100% 16 16 100% 1 1 100%
Kusmayadi** Commissioner
Setiawan Komisaris
23 23 100% 36 31 86% 2 2 100%
Wangsaatmaja Commissioner
Komisaris
Tomsi Tohir** 5 5 100% 16 16 100% 1 1 100%
Commissioner
Komisaris
Independen
Diding Sakri 23 23 100% 36 36 100% 2 2 100%
Independent
Commissioner
Komisaris
Independen
Fahlino F. Sjuib 23 23 100% 36 36 100% 2 2 100%
Independent
Commissioner
* Diberhentikan dengan hormat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 tanggal 25 Mei 2023
** Diangkat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 dan Efektif menjabat pada tanggal 9 Agustus 2023 berdasarkan hasil
keputusan Penilaian Kemampuan dan Kepatutan dari Otoritas Jasa Keuangan.
* Respectfully dismissed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) dated May 25, 2023
** Appointed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) and effective on August 9, 2023 based on the results of the Fit and
Proper Test decision from the Financial Services Authority.
Laporan Tahunan 2023
712 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 204
CORPORATE
GOVERNANCE
Pelatihan dan/atau Peningkatan Training and/or Increasing the
Kompetensi Anggota Dewan Komisaris Competence of Members of the Board of
Commissioners
Kebijakan diseluruh level organisasi bank bjb, setiap pegawai The policy at all levels of the bank bjb organization was that every
memiliki kesempatan yang setara dalam proses pengembangan employee had equal opportunities in the career development
karir sesuai dengan kinerja, kompetensi, pengalaman dan kriteria process in accordance with performance, competence, experience
lainnya yang ditetapkan serta kesempatan dalam mendapatkan and other established criteria as well as opportunities to receive
pendidikan dan pelatihan. Hal ini sesuai dengan kebijakan terkait education and training. This was in accordance with the policies
pengembangan kompetensi karyawan yang tertuang dalam related to employee competency development as stated in the
Surat Keputusan Direksi No. 0001/SK-DIR/ET/2017 tanggal 09 Decree of the Directors No. 0001/SK-DIR/ET/2017 dated February
Februari 2017 tentang Pedoman Pengelolaan Pendidikan. Adapun 09, 2017 concerning Guidelines for Education Management. The
ketentuan pengelolaan Sertifikasi Manajemen Risiko tertuang provisions for the management of Risk Management Certification
dalam Surat Edaran Nomor 007/SE/DIR-ET/2017 tanggal 10 were contained in Circular Letter Number 007/SE/DIR-ET/2017
Februari 2017 perihal Sertifikasi Manajemen Risiko. dated February 10, 2017 regarding Risk Management Certification.
Adapun pelatihan dan/atau peningkatan kompetensi Dewan The training and/or competency improvement for the Board of
Komisaris selama tahun 2023 adalah sebagai berikut. Commissioners during 2023 are as follows.
Jenis Pelatihan dan Materi Pengembangan Waktu dan Tempat
Nama Jabatan Kompetensi /Pelatihan Pelaksanaan Penyelenggara
Name Position Types of Training and Competency Implementation Organizer
Development/Training Materials Time and Place
Komisaris
Utama Executive Workshop Tahun 2023 Satukan Energi Untuk Bandung, 16 Januari
Independen Memperkuat Sinergi dan Keunggulan Kompetitif 2023
Farid Rahman bjb University
Independent Executive Workshop in 2023 Unite Energy to Bandung, January 16,
President Strengthen Synergy and Competitive Advantage 2023
Commissioner
Forum Leadership Direktur Utama Dan Komisaris
Lombok, 07 - 08 Juli
Utama BPDSI
2023 ASBANDA
BPDSI President Director and Main Commissioner
Lombok, July 7-8, 2023
Leadership Forum
Executive Workshop 2023 Be One: Bersatu Kompak
PUTRA ADITYA UTAMA
Kolaboratif Bandung, 23 Juli 2023
PT - TAGAR MEDIA
Executive Workshop in 2023 Be One: United Solid Bandung, July 23, 2023
INDONESIA
Collaborative
Executive Workshop Tahun 2023 : Menjaga
Momentum Pertumbuhan Bisnis Dalam Mencapai
AWATARA KREATIF
Komitmen Tahun 2023 Melalui Fee Based Income
Bandung, 24 Juli 2023 NUSANTARA PT
Kredit Yang Berkualitas
Bandung, July 24, 2023 (AWATARA) - TD
Executive Workshop in 2023: Maintaining Business
CONSULTANT
Growth Momentum in Achieving 2023 Commitments
Through Quality Fee Based Income Credit
Workshop Strategi BPD Dalam Disrupsi Era Financial Padang, 15 - 16
4.0 dan 5.0 Agustus 2023 LEARNING MEDIA
BPD Strategy Workshop in the Disruption of 4.0 and Padang, August 15 – INDONESIA
5.0 Financial Era 16, 2023
New York, 28 Oktober
International Risk Management Refreshment Program 2023 - 05 November
For Executives 2023 PT SINERGI INDONESIA
International Risk Management Refreshment Program New York, October 28, PINTAR
For Executives 2023 - November 05,
2023
FORUM KOMUNIKASI
Surabaya, 15 - 17
Seminar: Berkolaborasi Di Era Teknologi Tanpa Batas DEWAN KOMISARIS
November 2023
Seminar: Collaborating in the Era of Unlimited BANK PEMBANGUNAN
Surabaya, November
Technology DAERAH SELURUH
15 – 17, 2023
INDONESIA
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 713
Page 205
TATA KELOLA
PERUSAHAAN
Jenis Pelatihan dan Materi Pengembangan Waktu dan Tempat
Nama Jabatan Kompetensi /Pelatihan Pelaksanaan Penyelenggara
Name Position Types of Training and Competency Implementation Organizer
Development/Training Materials Time and Place
Workshop and Refreshment Sertifikasi Manajemen
Risiko : Stress Test Operational And Bank Risk Jakarta, 22 - 23
Management November 2023 PT SINERGI INDONESIA
Workshop and Refreshment Sertifikasi Manajemen Jakarta, November 22 – PINTAR
Risiko : Stress Test Operational And Bank Risk 23, 2023
Management
Risk Management Workshop (Refreshment Sertifikasi
Manajemen Risiko) Untuk Pengurus bank bjb (Public Jakarta, 13 Desember
Training-Luring) 2023
TD Consultant
Risk Management Workshop (Risk Management Jakarta, December 13,
Certification Refreshment) for bank bjb Management 2023
(Public Training-Offline)
Executive Workshop Tahun 2023 Satukan Energi Untuk Bandung, 16 Januari
Komisaris Memperkuat Sinergi Dan Keunggulan Kompetitif 2023
Muhadi* bjb University
Commissioner Executive Workshop in 2023 Unite Energy to Bandung, January 16,
Strengthen Synergy and Competitive Advantage 2023
Workshop Strategi BPD Dalam Disrupsi Era Financial Padang, 15 - 16
4.0 dan 5.0 Agustus 2023 LEARNING MEDIA
BPD Strategy Workshop in the Disruption of 4.0 and Padang, August 15 – INDONESIA
5.0 Financial Era 16, 2023
New York, 28 Oktober
International Risk Management Refreshment Program 2023 - 05 November
For Executives 2023 PT SINERGI INDONESIA
International Risk Management Refreshment Program New York, October 28, PINTAR
For Executives 2023 - November 05,
2023
FORUM KOMUNIKASI
Surabaya, 15 - 17
Seminar: Berkolaborasi Di Era Teknologi Tanpa Batas DEWAN KOMISARIS
November 2023
Seminar: Collaborating in the Era of Unlimited BANK PEMBANGUNAN
Rudie Komisaris Surabaya, November
Technology DAERAH SELURUH
Kusmayadi** Commissioner 15 – 17, 2023
INDONESIA
Workshop And Refreshment Sertifikasi Manajemen
Risiko : Stress Test Operational and Bank Risk Jakarta, 22 - 23
Management November 2023 PT SINERGI INDONESIA
Workshop And Refreshment Sertifikasi Manajemen Jakarta, November 22 – PINTAR
Risiko : Stress Test Operational and Bank Risk 23, 2023
Management
Risk Management Workshop (Refreshment Sertifikasi
Manajemen Risiko) Untuk Pengurus bank bjb (Public Jakarta, 13 Desember
Training-Luring) 2023
TD Consultant
Risk Management Workshop (Risk Management Jakarta, December 13,
Certification Refreshment) for bank bjb Management 2023
(Public Training-Offline)
Executive Workshop Tahun 2023 Satukan Energi Untuk Bandung, 16 Januari
Setiawan Komisaris Memperkuat Sinergi dan Keunggulan Kompetitif 2023
bjb University
Wangsaatmaja Commissioner Executive Workshop in 2023 Unite Energy to Bandung, January 16,
Strengthen Synergy and Competitive Advantage 2023
Executive Workshop 2023 Be One: Bersatu Kompak
PUTRA ADITYA UTAMA
Kolaboratif Bandung, 23 Juli 2023
PT - TAGAR MEDIA
Executive Workshop in 2023 Be One: United Solid Bandung, July 23, 2023
INDONESIA
Collaborative
Executive Workshop Tahun 2023: Menjaga
Momentum Pertumbuhan Bisnis Dalam Mencapai
AWATARA KREATIF
Komitmen Tahun 2023 Melalui Fee Based Income
Bandung, 24 Juli 2023 NUSANTARA PT
Kredit Yang Berkualitas
Bandung, July 24, 2023 (AWATARA) - TD
Executive Workshop in 2023: Maintaining Business
CONSULTANT
Growth Momentum in Achieving 2023 Commitments
Through Quality Fee Based Income Credit
Laporan Tahunan 2023
714 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 206
CORPORATE
GOVERNANCE
Jenis Pelatihan dan Materi Pengembangan Waktu dan Tempat
Nama Jabatan Kompetensi /Pelatihan Pelaksanaan Penyelenggara
Name Position Types of Training and Competency Implementation Organizer
Development/Training Materials Time and Place
Workshop Strategi BPD Dalam Disrupsi Era Financial Padang, 15 - 16
4.0 dan 5.0 Agustus 2023 LEARNING MEDIA
BPD Strategy Workshop in the Disruption of 4.0 and Padang, August 15 – INDONESIA
5.0 Financial Era 16, 2023
Executive Workshop Banking & Finance International
Program (Include: Refreshment Risk Management London, 19 - 29
Program Climate Change Risk) Oktober 2023
TD CONSULTANT
Executive Workshop Banking & Finance International London, October 19 -
Program (Include: Refreshment Risk Management 29, 2023
Program Climate Change Risk)
Workshop And Refreshment Sertifikasi Manajemen
Risiko : Stress Test Operational And Bank Risk Jakarta, 22 - 23
Management November 2023 PT SINERGI INDONESIA
Workshop And Refreshment Sertifikasi Manajemen Jakarta, November 22 – PINTAR
Risiko : Stress Test Operational And Bank Risk 23, 2023
Management
Risk Management Workshop (Refreshment Sertifikasi
Manajemen Risiko) Untuk Pengurus bank bjb (Public Jakarta, 13 Desember
Training-Luring) 2023
TD Consultant
Risk Management Workshop (Risk Management Jakarta, December 13,
Certification Refreshment) for bank bjb Management 2023
(Public Training-Offline)
Workshop Strategi BPD Dalam Disrupsi Era Financial Padang, 15 - 16
Komisaris 4.0 Dan 5.0 Agustus 2023 LEARNING MEDIA
Tomsi Tohir**
Commissioner BPD Strategy Workshop in the Disruption of 4.0 and Padang, August 15 – INDONESIA
5.0 Financial Era 16, 2023
Workshop and Refreshment Sertifikasi Manajemen
Risiko : Stress Test Operational and Bank Risk Jakarta, 22 - 23
Management November 2023 PT SINERGI INDONESIA
Workshop and Refreshment Sertifikasi Manajemen Jakarta, November 22 – PINTAR
Risiko : Stress Test Operational and Bank Risk 23, 2023
Management
Risk Management Workshop (Refreshment Sertifikasi
Manajemen Risiko) Untuk Pengurus bank bjb (Public Jakarta, 13 Desember
Training-Luring) 2023
TD Consultant
Risk Management Workshop (Risk Management Jakarta, December 13,
Certification Refreshment) for bank bjb Management 2023
(Public Training-Offline)
Komisaris Executive Workshop Tahun 2023 Satukan Energi Untuk Bandung, 16 Januari
Independen Memperkuat Sinergi Dan Keunggulan Kompetitif 2023
Diding Sakri bjb University
Independent Executive Workshop in 2023 Unite Energy to Bandung, January 16,
Commissioner Strengthen Synergy and Competitive Advantage 2023
Executive Workshop 2023 Be One : Bersatu Kompak
PUTRA ADITYA UTAMA
Kolaboratif Bandung, 23 Juli 2023
PT - TAGAR MEDIA
Executive Workshop in 2023 Be One: United Solid Bandung, July 23, 2023
INDONESIA
Collaborative
Executive Workshop Tahun 2023 : Menjaga
Momentum Pertumbuhan Bisnis Dalam Mencapai
AWATARA KREATIF
Komitmen Tahun 2023 Melalui Fee Based Income
Bandung, 24 Juli 2023 NUSANTARA PT
Kredit Yang Berkualitas
Bandung, July 24, 2023 (AWATARA) - TD
Executive Workshop in 2023: Maintaining Business
CONSULTANT
Growth Momentum in Achieving 2023 Commitments
Through Quality Fee Based Income Credit
Workshop Strategi BPD Dalam Disrupsi Era Financial Padang, 15 - 16
4.0 Dan 5.0 Agustus 2023 LEARNING MEDIA
BPD Strategy Workshop in the Disruption of 4.0 and Padang, August 15 – INDONESIA
5.0 Financial Era 16, 2023
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 715
Page 207
TATA KELOLA
PERUSAHAAN
Jenis Pelatihan dan Materi Pengembangan Waktu dan Tempat
Nama Jabatan Kompetensi /Pelatihan Pelaksanaan Penyelenggara
Name Position Types of Training and Competency Implementation Organizer
Development/Training Materials Time and Place
New York, 28 Oktober
International Risk Management Refreshment Program 2023 - 05 November
For Executives 2023 PT SINERGI INDONESIA
International Risk Management Refreshment Program New York, October 28, PINTAR
For Executives 2023 - November 05,
2023
FORUM KOMUNIKASI
Surabaya, 15 - 17
Seminar: Berkolaborasi Di Era Teknologi Tanpa Batas DEWAN KOMISARIS
November 2023
Seminar: Collaborating in the Era of Unlimited BANK PEMBANGUNAN
Surabaya, November
Technology DAERAH SELURUH
15 – 17, 2023
INDONESIA
Workshop and Refreshment Sertifikasi Manajemen
Risiko : Stress Test Operational And Bank Risk Jakarta, 22 - 23
Management November 2023 PT SINERGI INDONESIA
Workshop and Refreshment Sertifikasi Manajemen Jakarta, November 22 – PINTAR
Risiko : Stress Test Operational And Bank Risk 23, 2023
Management
Risk Management Workshop (Refreshment Sertifikasi
Manajemen Risiko) Untuk Pengurus bank bjb (Public Jakarta, 13 Desember
Training-Luring) 2023
TD Consultant
Risk Management Workshop (Risk Management Jakarta, December 13,
Certification Refreshment) for bank bjb Management 2023
(Public Training-Offline)
Komisaris Executive Workshop Tahun 2023 Satukan Energi Untuk Bandung, 16 Januari
Independen Memperkuat Sinergi Dan Keunggulan Kompetitif 2023
Fahlino F. Sjuib bjb University
Independent Executive Workshop in 2023 Unite Energy to Bandung, January 16,
Commissioner Strengthen Synergy and Competitive Advantage 2023
Executive Workshop 2023 Be One: Bersatu Kompak
PUTRA ADITYA UTAMA
Kolaboratif Bandung, 23 Juli 2023
PT - TAGAR MEDIA
Executive Workshop in 2023 Be One: United Solid Bandung, July 23, 2023
INDONESIA
Collaborative
Executive Workshop Tahun 2023: Menjaga Momentum
Pertumbuhan Bisnis Dalam Mencapai Komitmen
AWATARA KREATIF
Tahun 2023 Melalui Fee Based Income Kredit Yang
Bandung, 24 Juli 2023 NUSANTARA PT
Berkualitas
Bandung, July 24, 2023 (AWATARA) - TD
Executive Workshop in 2023: Maintaining Business
CONSULTANT
Growth Momentum in Achieving 2023 Commitments
Through Quality Fee Based Income Credit
Workshop Strategi BPD Dalam Disrupsi Era Financial Padang, 15 - 16
4.0 Dan 5.0 Agustus 2023 LEARNING MEDIA
BPD Strategy Workshop in the Disruption of 4.0 and Padang, August 15 – INDONESIA
5.0 Financial Era 16, 2023
Executive Workshop Banking & Finance International
Program (Include: Refreshment Risk Management London, 19 - 29
Program Climate Change Risk) Oktober 2023
TD CONSULTANT
Executive Workshop Banking & Finance International London, October 19 -
Program (Include: Refreshment Risk Management 29, 2023
Program Climate Change Risk)
FORUM KOMUNIKASI
Surabaya, 15 - 17
Seminar: Berkolaborasi Di Era Teknologi Tanpa Batas DEWAN KOMISARIS
November 2023
Seminar: Collaborating in the Era of Unlimited BANK PEMBANGUNAN
Surabaya, November
Technology DAERAH SELURUH
15 – 17, 2023
INDONESIA
Workshop and Refreshment Sertifikasi Manajemen
Risiko : Stress Test Operational and Bank Risk Jakarta, 22 - 23
Management November 2023 PT SINERGI INDONESIA
Workshop and Refreshment Sertifikasi Manajemen Jakarta, November 22 - PINTAR
Risiko : Stress Test Operational and Bank Risk 23 2023
Management
Laporan Tahunan 2023
716 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 208
CORPORATE
GOVERNANCE
Jenis Pelatihan dan Materi Pengembangan Waktu dan Tempat
Nama Jabatan Kompetensi /Pelatihan Pelaksanaan Penyelenggara
Name Position Types of Training and Competency Implementation Organizer
Development/Training Materials Time and Place
Risk Management Workshop (Refreshment Sertifikasi
Manajemen Risiko) Untuk Pengurus bank bjb (Public Jakarta, 13 Desember
Training-Luring) 2023
TD Consultant
Risk Management Workshop (Risk Management Jakarta, December 13,
Certification Refreshment) for bank bjb Management 2023
(Public Training-Offline)
* Diberhentikan dengan hormat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 tanggal 25 Mei 2023
** Diangkat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 dan Efektif menjabat pada tanggal 9 Agustus 2023 berdasarkan hasil
keputusan Penilaian Kemampuan dan Kepatutan dari Otoritas Jasa Keuangan.
* Respectfully dismissed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) dated May 25, 2023
** Appointed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) and effective on August 9, 2023 based on the results of the Fit and
Proper Test decision from the Financial Services Authority.
Program Orientasi Bagi Komisaris Baru Orientation Program For New Commissioners
Program pengenalan Dewan Komisaris dilaksanakan bagi The Board of Commissioners induction program is carried out for
anggota Dewan Komisaris yang baru diangkat oleh RUPS untuk members of the Board of Commissioners whom the GMS has just
mendapat informasi mengenai Perusahaan di dalam mendukung appointed to obtain information about the Company in order to
pelaksanaan tugas dan tanggung jawabnya yang dilaksanakan support the implementation of their duties and responsibilities,
pada internal Dewan Komisaris. which are carried out internally by the Board of Commissioners.
bank bjb telah melaksanakan program orientasi (induction bank bjb has conducted an induction program for the newly
program) bagi Dewan Komisaris yang baru diangkat dengan appointed Board of Commissioners. The program aims to provide
tujuan untuk memberikan gambaran atas kegiatan bisnis, rencana an overview of business activities, the Company’s future plans,
Perseroan kedepan, panduan kerja dan lainnya yang menjadi work guidelines and others that are the responsibility of the
tanggung jawab pengurus dengan dokumen sebagai berikut: Management which can be in the following documents, including:
1. Rencana Bisnis Bank (RBB) 2023 – 2025. 1. Bank Business Plan (RBB) 2023 – 2025.
2. Arahan Strategi Direksi Tahunan (ASDT) 2024. 2. Annual Directors’ Strategy Direction (ASDT) 2024.
3. Rencana Aksi Keuangan Berkelanjutan (RAKB) 2023. 3. Sustainable Finance Action Plan (RAKB) 2023.
4. Anggaran Dasar berupa Akta Pernyataan Keputusan RUPS 4. Articles of Association, comprising of Deed of Resolutions of
Nomor 05 tanggal 04 April 2023. GMS Number 05 dated April 4, 2023.
5. Laporan Tahunan Tahun Buku 2022. 5. Annual Report for the 2022 Financial Year.
6. Laporan Keberlanjutan Tahun 2022. 6. Sustainable Report 2022.
7. Laporan Pelaksanaan Tata Kelola Tahun 2022. 7. Report of the Implementation of Governance 2022.
8. Ketentuan bank bjb pada level Kebijakan, yaitu: 8. Provisions of bank bjb in the policy level, are as follows:
a. Kebijakan Akuntansi. a. Accounting Policy.
b. Kebijakan APU, PPT & PPPSPM. b. AML, CFT & CPF Policy.
c. Kebijakan Audit Internal. c. Internal Audit Policy.
d. Kebijakan Business Continuity Management. d. Business Continuity Management Policy.
e. Kebijakan Corporate Secretary e. Corporate Secretary Policy
f. Kebijakan Change Management Office. f. Change Management Office Policy.
g. Kebijakan Aplikasi Sistem Monitoring Proyek. g. Project Monitoring System Application Policy.
h. Kebijakan Dana dan Jasa. h. Funds and Service Policy.
i. Kebijakan Hukum. i. Legal Policy.
j. Kebijakan Human Capital. j. Human Capital Policy.
k. Kebijakan Kepatuhan. k. Compliance Policy.
l. Kebijakan Keuangan Berkelanjutan. l. Sustainable Finance Policy.
m. Kebijakan Manajemen Risiko. m. Risk Management Policy.
n. Kebijakan Operasional. n. Operational Policy.
o. Kebijakan Pendidikan dan Pelatihan. o. Education and Training Policy.
p. Kebijakan Pengelolaan Penyertaan Modal, Divestasi dan p. Equity Participation, Divestments, and Financial
Konglomerasi Keuangan. Conglomerate Management Policy.
q. Kebijakan Perkreditan Bank. q. Bank Credit Policy.
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r. Kebijakan Perlindungan Nasabah. r. Customer Protection Policy.
s. Kebijakan Sistem Pengendalian Intern. s. Internal Control System Policy.
t. Kebijakan Tata Kelola. t. Governance Policy.
u. Kebijakan Tata Tertib Kerja Direksi. u. Directors’ Code of Conduct Policy.
v. Kebijakan Teknologi Informasi. v. Information Technology Policy.
w. Kebijakan Tresuri w. Treasury Policy
Program orientasi bagi anggota Komisaris baru di tahun 2023 The induction program for members of the Commissioners in
diselenggarakan melalui rapat internal Dewan Komisaris, rapat 2023 is held through the Board of Commissioners’ internal
gabungan Dewan Komisaris dengan Direksi dan unit-unit yang meeting, joint meetings of the Board of Commissioners and the
terkait. Directors as well as relevant units.
Keputusan dan Pelaksanaan Tugas Dewan Decision and Implementation of the Board
Komisaris of Commissioners’ Tasks
Dewan Komisaris bank bjb proaktif dalam melakukan pengawasan bank bjb's Board of Commissioners was proactive in supervising
terhadap kinerja Direksi dan memberikan saran kepada Direksi. the performance of the Board of Directors and providing advice to
Bentuk pengawasan yang dilakukan Dewan Komisaris tentunya the Board of Directors. The form of supervision carried out by the
mengacu pada Anggaran Dasar Bank, ketentuan internal, POJK Board of Commissioners certainly referred to the Bank's Articles
dan peraturan perundang–undangan yang berlaku. of Association, internal regulations, POJK and applicable laws and
regulations.
Sebagai upaya di dalam menjalankan tugas dan tanggung As an effort in carrying out its duties and responsibilities, during
jawabnya, selama tahun 2023 Dewan Komisaris telah 2023 the Board of Commissioners carried out the following:
melaksanakan hal-hal sebagai berikut: 1. Supervising the implementation of the duties and
1. Melakukan pengawasan terhadap pelaksanaan tugas dan responsibilities of the Board of Directors including supervision
tanggung jawab Direksi termasuk pengawasan terhadap: of:
a. Perumusan dan pelaksanaan Rencana Bisnis Bank; a. Perumusan dan pelaksanaan Bank Business Plan;
b. Evaluasi pencapaian kinerja bulanan; b. Evaluation of monthly performance achievement;
c. Ketentuan Anggaran Dasar dan Keputusan RUPS; c. Provisions of the Articles of Association and GMS
Decisions;
d. Peraturan perundang–undangan, untuk kepentingan d. Laws and regulations, for the benefit of the Bank and
Bank dan sesuai dengan maksud dan tujuan bisnis Bank. in accordance with the purposes and objectives of the
Bank's business.
2. Melakukan tugas yang secara khusus diberikan kepadanya 2. Carrying out tasks specifically assigned to him according to
menurut Anggaran Dasar, peraturan perundang–undangan the Articles of Association, laws and regulations and/or GMS
dan/atau keputusan RUPS, diantaranya adalah: resolutions, including:
a. Memantau dan melaporkan pelaksanaan action plan Tata a. Monitor and report on the implementation of the Good
Kelola Perusahaan (Good Corporate Governance); Corporate Governance action plan;
b. Mengawasi dan memberikan nasihat kepada Direksi b. Supervise and provide advice to the Board of Directors in
dalam menjalankan kegiatan bisnis Bank (kebijakan carrying out the Bank's business activities (management
kepengurusan oleh Direksi); policy by the Board of Directors);
c. Mengawasi efektivitas penerapan GCG pada setiap c. Supervise the effectiveness of GCG implementation at
tingkatan dan jenjang organisasi Bank; every level and level of the Bank's organization;
d. Mengawasi pelaksanaan Manajemen Risiko; d. Supervise the implementation of Risk Management;
e. Memantau dan mengevaluasi kinerja Direksi ; e. Monitor and evaluate the performance of the Board of
Directors;
f. Memantau kepatuhan Bank terhadap peraturan OJK, f. Monitor the Bank's compliance with OJK Regulation,
Bank Indonesia dan peraturan perundang–undangan Bank Indonesia and applicable laws and regulations as
yang berlaku serta komitmen kepada Bank Indonesia, well as commitments to Bank Indonesia, the Financial
Otoritas Jasa Keuangan dan pihak – pihak lainnya; Services Authority and other parties;
g. Mengawasi dan memberikan nasihat terkait pelaksanaan g. Supervise and provide advice regarding the
program Anti Pencucian Uang dan Pencegahan implementation of the Bank's Anti-Money Laundering
Pendanaan Terorisme (APU-PPT) Bank; and Prevention of the Financing of Terrorism (AML-CFT)
program;
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h. Mengarahkan, memantau, dan mengevaluasi h. Direct, monitor, and evaluate the implementation of the
pelaksanaan Rencana Bisnis Bank (RBB). Bank's Business Plan (RBB).
3. Menyusun pembagian tugas diantara anggota Dewan 3. Arranging division of tasks among members of the Board
Komisaris sesuai dengan keahlian dan pengalaman masing- of Commissioners in accordance with the expertise and
masing anggota Dewan Komisaris; experience of each member of the Board of Commissioners;
4. Menyusun program kerja dan target kinerja Dewan Komisaris 4. Developing a work program and performance targets
setiap tahun serta mekanisme review terhadap kinerja Dewan for the Board of Commissioners every year as well as a
Komisaris; review mechanism for the performance of the Board of
Commissioners;
5. Mempertanggungjawabkan pelaksanaan tugas Dewan 5. Responsible for carrying out the duties of the Board of
Komisaris kepada RUPS; Commissioners to the GMS;
6. Meneliti dan menelaah laporan berkala dan Laporan Tahunan 6. Examining and reviewing periodic reports and Annual Reports
yang disiapkan Direksi, termasuk laporan hasil audit internal prepared by the Board of Directors, including reports on the
Bank; Bank's internal audit results;
7. Memastikan bahwa Direksi telah menindaklanjuti temuan 7. Ensuring that the Board of Directors had followed up on
audit dan rekomendasi dari Satuan Kerja Audit Internal Bank, audit findings and recommendations from the Bank's Internal
auditor eksternal, hasil pengawasan Otoritas Jasa Keuangan, Audit Work Unit, external auditors, monitoring results from
Bank Indonesia dan/atau hasil pengawasan otoritas lain yang the Financial Services Authority, Bank Indonesia and/or
berwenang; monitoring results from other authorized authorities;
8. Memastikan bahwa komite yang telah dibentuk telah 8. Ensuring that the committees that had been formed carry out
menjalankan tugasnya secara efektif; their duties effectively;
9. Melaksanakan review atas struktur organisasi; 9. Carrying out a review of the organizational structure;
10. Melaksanakan review atas KPI Direksi. 10. Carrying out a review of the Board of Directors KPI.
Sebagai bagian dari pelaksanaan tugas dan tanggung jawabnya, As part of the implementation of its duties and responsibilities, the
Dewan Komisaris terus berupaya untuk mendorong pelaksanaan Board of Commissioners continued to strive to encourage more
pengawasan yang semakin efektif. Selama 2023, Dewan Komisaris effective supervision. During 2023, the Board of Commissioners
telah mengeluarkan beberapa keputusan dan persetujuan, antara issued several decisions and approvals, including:
lain:
1. Surat Keputusan Dewan Komisaris Nomor 01/SK/DKO/2023 1. Decree of the Board of Commissioners Number 01/SK/
tanggal 15 Februari 2023 tentang Pedoman dan Tata Tertib DKO/2023 dated February 15, 2023, concerning Guidelines
Kerja Komite Pemantau Risiko PT Bank Pembangunan Daerah and Work Rules for the Risk Monitoring Committee of PT
Jawa Barat dan Banten Tbk. Bank Pembangunan Daerah West Java and Banten Tbk.
2. Surat Keputusan Dewan Komisaris Nomor 02/SK/DKO/2023 2. Decree of the Board of Commissioners Number 02/SK/
tanggal 26 Mei 2023 tentang Pembagian Tugas dan DKO/2023 dated May 26, 2023, concerning the Division
Pelaksanaan Kegiatan Dewan Komisaris serta Komite - Komite of Duties and Implementation of Activities of the Board of
PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. Commissioners and Committees of PT Bank Pembangunan
Daerah West Java and Banten Tbk.
3. Surat Keputusan Dewan Komisaris Nomor 03/SK/DKO/2023 3. Decree of the Board of Commissioners Number 03/SK/
tanggal 13 Juni 2023 tentang Persetujuan Atas Revisi Rencana DKO/2023 dated June 13, 2023, concerning Approval of the
Bisnis Tahun 2023 - 2025 PT Bank Pembangunan Daerah Revised Business Plan for 2023 - 2025 PT Bank Pembangunan
Jawa Barat dan Banten Tbk. Daerah West Java and Banten Tbk.
4. Surat Keputusan Dewan Komisaris Nomor 04/SK/DKO/2023 4. Decree of the Board of Commissioners Number 04/SK/
tanggal 22 Agustus 2023 Tentang Pembagian Tugas dan DKO/2023 dated August 22, 2023, concerning the Division
Pelaksanaan Kegiatan Dewan Komisaris serta Komite - Komite of Duties and Implementation of Activities of the Board of
PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. Commissioners and Committees of PT Bank Pembangunan
5. Surat Keputusan Dewan Komisaris Nomor 05/SK/DKO/2023 Daerah West Java and Banten Tbk.
tanggal 21 November 2023 Tentang Persetujuan Atas 5. Decree of the Board of Commissioners Number 05/SK/
Rencana Bisnis Tahun 2024 - 2026 PT Bank Pembangunan DKO/2023 dated November 21, 2023, concerning Approval
Daerah Jawa Barat dan Banten Tbk. of the 2024 - 2026 Business Plan of PT Bank Pembangunan
Daerah West Java and Banten Tbk.
6. Penilaian Kinerja Direksi dan Dewan Komisaris Posisi Tahun 6. Performance Assessment of Directors and Board of
2022 Berdasarkan Metode Self Assessment. Commissioners Positions in 2022 Based on the Self-
Assessment Method.
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7. Penunjukan Kantor Akuntan Publik dengan 7. Appointment of a Public Accounting Firm by considering the
mempertimbangkan rekomendasi Komite Audit terkait: relevant Audit Committee recommendations:
a. Audit Pengelolaan Dana Corporate Social Responsibility a. Audit of Corporate Social Responsibility (CSR) Fund
(CSR) Tahun 2022. Management in 2022.
b. Kaji Ulang (review) Penerapan Fungsi Satuan Kerja Audit b. Evaluating (reviewing) the Implementation of Internal
Internal (SKAI). Audit Work Unit (SKAI) Functions.
c. Audit Laporan Keuangan bank bjb Tahun 2023. c. Bank bjb financial report audit for 2023.
d. Audit Laporan Keuangan Dana Pensiun Lembaga d. Audit of bank bjb Financial Institution Pension Fund
Keuangan (DPLK) bank bjb Tahun 2023. (DPLK) financial reports for 2023.
e. Pendampingan Dalam Rangka Penerbitan Surat Berharga e. Assistance in the issuance of bank bjb perpetual securities
Perpetual I bank bjb Tahun 2023. I in 2023.
8. Persetujuan Rencana Kerja dan Anggaran Tahunan (RKAT) 8. Approval of the Internal Audit Work Unit's Annual Work Plan
Satuan Kerja Audit Internal Tahun 2024. and Budget (RKAT) for 2024.
9. Memberikan persetujuan Penerbitan Laporan Keuangan 9. Providing approval for the issuance of Financial Reports by
dengan mempertimbangkan Rekomendasi Komite Audit considering the Audit Committee Recommendations, namely:
yaitu:
a. Penerbitan Laporan Keuangan bank bjb Periode 31 a. Issuance of bank bjb financial report for the period of
Desember 2022 (Audited). December 31, 2022 (Audited).
b. Penerbitan Laporan Keuangan bank bjb Periode 31 Maret b. Issuance of bank bjb financial report for the period of
2023. March 31, 2023.
c. Penerbitan Laporan Keuangan bank bjb Periode 30 Juni c. Issuance of bank bjb financial report for the period of
2023. June 30, 2023.
d. Penerbitan Laporan Keuangan bank bjb Periode 30 d. Issuance of bank bjb financial report for the period of
September 2023. September 30, 2023.
10. Persetujuan Kebijakan Dana, Layanan, dan/atau Jasa. 10. Approval of Fund, Service and/or Service Policies.
11. Persetujuan Kebijakan Perkreditan Bank. 11. Approval of Bank Credit Policy.
12. Persetujuan Pencabutan SK DIreksi Tentang Pedoman 12. Approval of the Revocation of the Directors' Decree
Penerapan Program APU PPT bank bjb. concerning Guidelines for Implementing the bank bjb APU
PPT Program.
13. Persetujuan Penyediaan Dana Fasilitas Kredit kepada Pihak 13. Approval of the provision of credit facility funds to related
terkait atas nama: parties on behalf of:
a. Badan Pengelolaan Keuangan dan Aset Daerah (BPKAD) a. Regional Financial and Asset Management Agency
selaku Bendahara Umum Daerah (BUD) Pemerintah (BPKAD) as Regional General Treasurer (BUD) of the
Daerah Provinsi Jawa Barat. Regional Government of West Java Province.
b. Perubahan Syarat Penarikan Fasilitas Kredit KMK Koperasi b. Changes to the Conditions for Withdrawing KMK Credit
Simpan Pinjam pada Pihak Terkait atas nama Koperasi Facilities for Savings and Loans Cooperatives to Related
Konsumen bank bjb “Ziebar”. Parties in the name of the bank bjb "Ziebar" Consumer
Cooperative.
c. PT Artdeco Sejahtera Abadi. c. PT Artdeco Sejahtera Abadi.
d. Restrukturisasi Faskred KMK BPR Installment Pihak Terkait d. Restructuring of KMK BPR Instalment Credit Facilities
atas nama PT BPR Indramayu Jabar Related Parties on behalf of PT BPR Indramayu Jabar
e. Perpanjangan Fasilitas Kredit Cash Collateral pada Pihak e. Extension of Cash Collateral Credit Facilities to Related
Terkait atas nama BPR Cipatujah Jabar (Perseroda). Parties on behalf of BPR Cipatujah Jabar (Perseroda).
f. Koperasi Konsumen bank bjb “Ziebar”. f. Bank bjb "Ziebar" Consumer Cooperative.
14. Persetujuan Penyertaan Modal Tahap II Kepada BPD Bengkulu 14. Approval of Phase II Capital Participation to BPD Bengkulu in
Dalam Rangka Kelompok Usaha Bank (KUB). the Context of the Bank Business Group (KUB).
15. Persetujuan Penetapan Rencana Bisnis DPLK bank bjb Periode 15. Approval of Determination of the bank bjb DPLK Business
Tahun 2024. Plan for the 2024 Period.
16. Persetujuan Kebijakan Penerapan Program Anti Pencucian 16. Approval of the Policy for Implementing Anti-Money
Uang, Pencegahan Pendanaan Terorisme dan Pencegahan Laundering Programs, Prevention of Terrorism Financing and
Pendanaan Proliferasi Senjata Pemusnah Massal (APU, PPT Prevention of Funding for the Proliferation of Weapons of
dan PPPSPM). Mass Destruction (APU, PPT and PPPSPM).
17. Persetujuan Risk Appetite Statement dan Risk Tolerance 17. Approval of the Risk Appetite Statement and Risk Tolerance
terkait Teknologi Informasi. related to Information Technology.
18. Persetujuan Penyesuaian Struktur Organisasi bank bjb. 18. Approval of adjustments to bank bjb's organizational
structure.
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19. Persetujuan Rencana Penyehatan BPR Intan Jabar (BIJ). 19. Approval of the Restructuring Plan for BPR Intan Jabar (BIJ).
20. Persetujuan Risk Appetite Statement dan Risk Tolerance. 20. Approval of the Risk Appetite Statement and Risk Tolerance.
21. Persetujuan Kebijakan Kepatuhan. 21. Approval of Compliance Policy.
22. Persetujuan Perubahan RBB Audit Teknologi Informasi Periode 22. Approval of Changes to the Information Technology Audit
Triwulan IV Tahun 2023. RBB for the Fourth Quarter of 2023.
23. Persetujuan Rencana Aksi Keuangan Berkelanjutan (RAKB) 23. Approval of the 2024 Sustainable Financial Action Plan
Tahun 2024. (RAKB).
24. Persetujuan Recovery Plan bank bjb. 24. Approval of bank bjb Recovery Plan.
25. Persetujuan Kebijakan Trisury. 25. Trisury Policy Approval.
25. Evaluasi Kebijakan, Strategi, dan Kerangka manajemen Risiko. 26. Evaluation of Risk Management Policies, Strategies and
Frameworks.
Penilaian Kinerja Direksi dan Dewan Performance Assessment of the Directors
Komisaris and Board of Commissioners
Penilaian Kinerja Dewan Komisaris dan Direksi untuk tahun 2023 Performance appraisal of the Board of Commissioners and
sesuai dengan Peraturan Otoritas Jasa Keuangan nomor 45/ Directors for 2023 in accordance with OJK Regulation number
POJK.03/2015 tentang Penerapan Tata Kelola Dalam Pemberian 45/POJK.03/2015 concerning Implementation of Governance in
Remunerasi Bagi Bank Umum dilakukan oleh Dewan Komisaris Providing Remuneration for commercial banks was carried out
yang dibantu oleh Komite Nominasi dan Remunerasi kemudian by the Board of Commissioners assisted by the Nomination and
disampaikan pada RUPS melalui laporan tugas pengawasan Remuneration Committee then submitted to the GMS through a
Dewan Komisaris dalam Laporan Tahunan Perseroan. report the supervisory duties of the Board of Commissioners in the
Company’s Annual Report.
Penilaian Kinerja Direksi Performance Assessment of the Directors
Penilaian kinerja Direksi dilakukan secara kolektif kolegial dan Performance appraisal of the Directors was carried out collectively,
individu melalui metode self assessment, berdasarkan parameter collegially and individually through the self-assessment method,
– parameter sesuai dengan ketentuan yang berlaku. based on parameters in accordance with applicable regulations.
PROSEDUR PELAKSANAAN PENILAIAN KINERJA PROCEDURES FOR THE IMPLEMENTATION OF THE
DIREKSI PERFORMANCE OF THE DIRECTORS
1. Penilaian kinerja Direksi dilakukan 1 (satu) kali dalam satu 1. Performance appraisal of the Directors is carried out 1
tahun setiap akhir tahun buku baik secara kolektif kolegial (one) time in a year at the end of each financial year, both
maupun individu. collectively, collegial and individual.
2. Penilaian kinerja menjadi dasar pertimbangan dalam 2. Performance appraisal is the basis for consideration in the
pemberian remunerasi khususnya tantiem. provision of remuneration, especially tantiem.
3. Mekanisme dan Indikator penilaian kinerja Direksi diatur 3. Mechanisms and indicators for evaluating the performance
dalam Pedoman dan Tata Tertib Kerja Komite Nominasi dan of the Directors are regulated in the Nomination and
Remunerasi Remuneration Committee Guidelines and Work Procedures
Hasil penilaian Direksi yang dilakukan oleh Dewan Komisaris, The results of the Board of Directors' assessment carried out by
tersebut disampaikan kepada Pemegang Saham, untuk diputuskan the Board of Commissioners are submitted to the Shareholders,
di dalam Rapat Umum Pemegang Saham Tahunan. to be decided at the Annual General Meeting of Shareholders.
KRITERIA EVALUASI KINERJA DIREKSI EVALUATION CRITERIA OF THE DIRECTORS
PERFORMANCE
Kriteria penilaian kinerja Direksi adalah pencapaian atas Rencana The criteria for evaluating the performance of the Directors is the
Bisnis Bank yang telah ditetapkan. achievement of the established Bank Business Plan.
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PIHAK YANG MELAKUKAN PENILAIAN PARTIES THAT DO THE ASSESSMENT
Pihak yang melakukan penilaian atas kinerja Direksi adalah Dewan The parties that evaluate the performance of the Directors are the
Komisaris dan Pemegang Saham dalam Rapat Umum Pemegang Board of Commissioners and Shareholders at the Annual General
Saham Tahunan. Meeting of Shareholders.
HASIL PENILAIAN KINERJA DIREKSI RESULTS OF THE DIRECTORS ‘PERFORMANCE
ASSESSMENT
Atas pelaksanaan tugas kepengurusan Perseroan oleh Direksi, For the implementation of the management of the Company by
RUPS dan Dewan Komisaris memutuskan bahwa Direksi telah the Directors, the GMS and the Board of Commissioners decide
melaksanakan tugasnya dengan baik. Hasil penilaian kinerja that the Directors have carried out their duties properly. The
Direksi secara kolektif kolegial pada tahun 2023 dinilai baik results of the collegial collective performance assessment of the
dengan pencapaian nilai sebesar 100%. Board of Directors in 2023 are considered good with a score of
100%.
Penilaian Kinerja Dewan Komisaris Performance Assessment of the Board of
Commissioners
Penilaian kinerja Dewan Komisaris dibantu oleh Komite The performance assessment of the Board of Commissioners
Nominasi dan Remunerasi yang kemudian disampaikan pada was assisted by the Nomination and Remuneration Committee
RUPS melalui Laporan tugas pengawasan Dewan Komisaris which was then submitted to the GMS through the Board of
dalam Laporan Tahunan Perseroan. Berdasarkan laporan Commissioners’ supervisory duties report in the Company’s
tersebut RUPS memberikan pembebasan sepenuhnya terhadap Annual Report. Based on this report, the GMS provided full
pertanggungjawaban (acquit et decharge) Dewan Komisaris atas release of the Board of Commissioners’ accountability (acquit et
tugas pengawasan yang dilakukan sepanjang tahun buku 2022. decharge) for the supervisory duties carried out throughout the
2022 financial yea.
PROSEDUR PELAKSANAAN PENILAIAN KINERJA PROCEDURES FOR THE IMPLEMENTATION OF THE
DEWAN KOMISARIS PERFORMANCE OF THE BOARD OF COMMISSIONERS
1. Penilaian kinerja Dewan Komisaris dilakukan 1 (satu) kali 1. Assessment of the performance of the Board of Commissioners
dalam satu tahun setiap akhir tahun buku baik secara kolektif is conducted 1 (once) a year at the end of each financial year,
kolegial maupun individu. both collectively and individually.
2. Penilaian kinerja menjadi dasar pertimbangan dalam 2. Performance appraisal became the basis for consideration in
pemberian remunerasi khususnya tantiem. providing remuneration, especially bonuses
3. Mekanisme dan Indikator penilaian kinerja Dewan Komisaris 3. Mechanism and performance assessment indicators for the
diatur dalam Pedoman dan Tata Tertib Kerja Komite Nominasi Board of Commissioners were regulated in the Nomination
dan Remunerasi. and Remuneration Committee Charter.
KRITERIA EVALUASI KINERJA DEWAN KOMISARIS EVALUATION CRITERIA OF THE BOARD OF
COMMISSIONER PERFORMANCE
Kinerja Dewan Komisaris yang dilaporkan kepada Pemegang The performance of the Board of Commissioners reported to
Saham melalui RUPS dinilai berdasarkan kriteria–kriteria yang Shareholders through the GMS is assessed based on the criteria
berhubungan dengan pelaksanaan tugas dan tanggung jawab related to the implementation of the duties and responsibilities
Dewan Komisaris baik secara kolegial maupun individual yang of the Board of Commissioners baik secara kolegial maupun
mencakup aspek struktur, operasional, pengarahan, pengawasan individual which includes aspects of structure, operations,
dan pelaporan serta pencapaian realisasi Program Kerja/Rencana direction, supervision and reporting as well as the achievement
Kerja Tahunan Dewan Komisaris tahun 2023. of the realization of the Work Program/Annual Work Plan of the
Board of Commissioners in 2023.
PIHAK YANG MELAKUKAN PENILAIAN PARTIES THAT DO THE ASSESSMENT
Pihak yang melakukan penilaian atas kinerja Dewan Komisaris The party evaluating the performance of the Board of
yaitu Pemegang Saham dalam RUPS. Commissioners is the Shareholders at the GMS.
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HASIL PENILAIAN KINERJA DEWAN KOMISARIS RESULTS OF THE BOARD OF COMMISSIONER
PERFORMANCE ASSESSMENT
Dewan Komisaris telah menyusun dan melaksanakan program The Board of Commissioners compiled and implemented the
kerja Dewan Komisaris tahun 2023 dengan memperhatikan work program of the Board of Commissioners in 2023 by
tugas, wewenang dan kewajiban Dewan Komisaris dalam hal considering the duties, authorities and obligations of the Board
pengawasan Perseroan sesuai dengan peraturan dan perundang- of Commissioners in terms of supervision of the Company in
undangan yang berlaku. Atas pelaksanaan tugas pengawasan accordance with the applicable laws and regulations. On the
Perseroan oleh Dewan Komisaris, RUPS menyatakan bahwa implementation of the supervisory duties of the Company by
Dewan Komisaris telah melaksanakan tugasnya dengan baik. the Board of Commissioners, the GMS stated that the Board of
Commissioners carried out its duties properly.
Hasil penilaian kinerja Dewan Komisaris secara kolektif kolegial The results of the collective, collegial and individual performance
pada tahun 2023 dinilai baik dengan pencapaian nilai sebesar appraisal of the Board of Commissioners in 2023 are considered
100%. good with the achievement of a score of 100%.
Penilaian Kinerja Komite di Bawah Dewan Performance Assessment of the Committee
Komisaris dan Dasar Penilaiannya Under the Board of Commissioners and the
Basis of the Assessment
Dalam rangka meningkatkan peran Dewan Komisaris dalam In order to enhance the role of the Board of Commissioners in
menjalankan fungsi pengawasan, Dewan Komisaris telah carrying out the supervisory function, the Board of Commissioners
membentuk 4 (empat) komite yaitu: has formed 4 (four) committees namely:
1. Komite Audit 1. Audit Committee
2. Komite Nominasi dan Remunerasi 2. Nomination and Remuneration Committee
3. Komite Pemantau Risiko 3. Risk Monitoring Committee
4. Komite Tata Kelola Terintegrasi 4. Integrated Governance Committee
Prosedur penilaian kinerja Komite di bawah Dewan Komisaris The procedure for evaluating the performance of the Committees
dilakukan oleh Dewan Komisaris secara periodik yang dilakukan under the Board of Commissioners was carried out by the Board
1 (satu) kali dalam satu tahun berdasarkan kriteria yang telah of Commissioners periodically, carried out 1 (one) time in a year
ditetapkan. Proses penilaian kinerja Komite di bawah Dewan based on predetermined criteria. Process for evaluating the
Komisaris dilakukan melalui rapat internal Dewan Komisaris. performance of Committees under the Board of Commissioners
Adapun kriteria penilaian kinerja Komite di bawah Dewan based on competency internal meeting of the Board of
Komisaris berdasarkan kompetensi, rapat dan pelaksanaan tugas Commissioners. The criteria for evaluating the performance of the
komite selama tahun buku. Uraian terkait rapat dan pelaksanaan Committees under the Board of Commissioners were based on
tugas masing-masing Komite di bawah Dewan Komisaris the committee’s meetings and duties during the financial year. The
dijelaskan pada bagian Komite di bawah Dewan Komisaris Bab descriptions related to the meetings and the implementation of
Tata Kelola Perusahaan dalam Laporan Tahunan ini. the duties of each Committee under the Board of Commissioners
were explained in the Organ and Committees section under the
Board of Commissioners Chapter of Corporate Governance in this
Annual Report.
Komite Audit memiliki tugas dan tanggung jawab untuk The Audit Committee had duties and responsibilities to assist
membantu Dewan Komisaris melakukan pengawasan atas the Board of Commissioners in supervising the effectiveness of
efektivitas sistem pengendalian internal, internal audit dan proses the internal control system, internal audit and financial reporting
pelaporan keuangan. Sepanjang tahun 2023, Komite Audit telah processes. Throughout 2023, the Audit Committee carried out
menjalankan tugas dan tanggung jawabnya dengan baik. Komite its duties and responsibilities well. The Audit Committee held 15
Audit telah melaksanakan rapat sebanyak 15 (lima belas) kali dan (fifteen) meetings and carried out its duties, which include
menjalankan tugasnya yang antara lain:
1. Melakukan evaluasi terhadap rencana kerja tahunan dan 1. Evaluate the annual work plan and budget of the Internal
anggaran Satuan Kerja Audit Internal (SKAI) Tahun 2023 dan Audit Work Unit (SKAI) for 2023 and 2024.
Tahun 2024.
2. Melakukan review dan pemantauan atas pelaksanaan tugas 2. Reviewing and monitoring the implementation of the duties
Satuan Kerja Audit Internal (SKAI) yang dilakukan setiap of the Internal Audit Unit (SKAI) carried out every quarter and
triwulan dan dilaporkan kepada Dewan Komisaris. reported to the Board of Commissioners.
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3. Pemantauan pemenuhan komitmen tindak lanjut atas Hasil 3. Monitoring the fulfillment of follow-up commitments on
Audit Internal oleh SKAI. Internal Audit Results by SKAI.
4. Melakukan penelitian dan analisis mengenai kelayakan 4. Conduct research and analysis regarding the feasibility of
Auditor Eksternal (AP dan KAP) dan memberikan rekomendasi External Auditors (AP and KAP) and provide recommendations
kepada Dewan Komisaris terkait dengan Penunjukan Kantor to the Board of Commissioners regarding the Appointment of
Akuntan Publik terkait: the relevant Public Accounting Firm:
a. Audit Pengelolaan Dana Corporate Social Responsibility a. Corporate Social Responsibility (CSR) Fund Management
(CSR) Tahun 2022 Audit 2022
b. Kaji Ulang (review) Penerapan Fungsi Satuan Kerja Audit b. Evaluating (reviewing) the Implementation of Internal
Internal (SKAI) Audit Work Unit (SKAI) Functions
c. Audit Laporan Keuangan bank bjb Tahun 2023 c. Audit of bank bjb financial statements for 2023
d. Audit Laporan Keuangan Dana Pensiun Lembaga d. Financial Statements Audit of the Financial Institution
Keuangan (DPLK) bank bjb Tahun 2023 Pension Fund (DPLK) bank bjb 2023
e. Pendampingan Dalam Rangka Penerbitan Surat Berharga e. Assistance in the Issuance of bank bjb Perpetual Securities
Perpetual I bank bjb Tahun 2023 I in 2023
5. Melakukan evaluasi terhadap pelaksanaan audit oleh AP dan 5. Evaluate the implementation of the audit by the relevant AP
KAP terkait: and KAP:
a. Pelaksanaan Audit oleh Kantor Akuntan Publik Amir a. Audit Implementation by Public Accounting Firm Amir
Abadi Jusuf, Aryanto, Mawar dan Rekan (RSM) atas Audit Abadi Jusuf, Aryanto, Mawar dan Rekan (RSM) on
Laporan Keuangan bank bjb Tahun Buku 2022. Financial Statements Audit bank bjb for the 2022
Financial Year.
b. Pelaksanaan Audit oleh Kantor Akuntan Publik b. Audit Implementation by Public Accounting Firm
Kumalahadi, Kuncara, Sugeng Pamudji & Rekan (KKSP) Kumalahadi, Kuncara, Sugeng Pamudji & Rekan (KKSP)
atas Laporan Keuangan dan Portofolio Investasi Dana on Financial Statements and Investment Portfolio of bank
Pensiun Lembaga Keuangan (DPLK) bank bjb Tahun bjb Financial Institution in 2022.
2022.
6. Melakukan review terhadap laporan keuangan publikasi 6. Reviewing the quarterly published financial statements of
triwulanan bank bjb. bank bjb.
7. Memberikan rekomendasi tentang perbaikan pelaksanaan 7. Providing recommendations on improving the implementation
proses audit dan peningkatan kompetensi auditor. of the audit process and increasing the competence of
auditors.
8. Evaluasi terhadap pelaksanaan tugas Divisi Kepatuhan dalam 8. Evaluation of the implementation of the duties of the
pemenuhan tindak lanjut Hasil Pemeriksaan Otoritas Jasa Compliance Division in the fulfillment of follow-up on the
Keuangan (OJK) serta hasil pemeriksaan eksternal lainnya. results of the Financial Services Authority (OJK) examination
as well as the results of other external audits.
Komite Nominasi dan Remunerasi berfungsi untuk membantu The Nomination and Remuneration Committee functions to
Dewan Komisaris dalam melaksanakan fungsi dan tugasnya di assist the Board of Commissioners in carrying out their functions
bidang yang berkaitan dengan nominasi dan remunerasi terhadap and duties in areas related to the nomination and remuneration
anggota Direksi dan Dewan Komisaris. Sepanjang tahun 2023, of members of the Directors and Board of Commissioners.
Komite Nominasi dan Remunerasi telah menjalankan tugas Throughout 2023, the Nomination and Remuneration Committee
dan tanggung jawabnya dengan baik. Komite Nominasi dan carried out its duties and responsibilities well. The Nomination and
Remunerasi telah melaksanakan rapat sebanyak 15 (lima belas) Remuneration Committee held 15 (fifteen) meetings and carried
kali dan menjalankan tugasnya yang antara lain: out its duties, which include:
1. Melakukan proses nominasi untuk jabatan Pengurus pada 1. Conducting the nomination process for the position of the
RUPS Tahunan Tahun Buku 2022 dan RUPS Luar Biasa Tahun Management at the 2023 Annual GMS.
2023.
2. Memberikan rekomendasi kepada Dewan Komisaris terkait 2. Providing recommendations to the Board of Commissioners
pengangkatan dan perpanjangan perjanjian kerja anggota regarding the extension of work agreements for Committee
Komite dari pihak independen. members from independent parties.
3. Mengevaluasi dan memberikan rekomendasi kepada Dewan 3. Evaluating and provide recommendations to the Board
Komisaris mengenai kebijakan remunerasi Pengurus dan of Commissioners regarding the remuneration policy for
Pegawai Management and Employees
4. Melakukan Penilaian Kinerja Dewan Komisaris dan Direksi 4. Conduct performance assessments of the Board of
Berdasarkan self assessment. Commissioners and Directors based on self-assessment
Laporan Tahunan 2023
724 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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Komite Pemantau Risiko berfungsi untuk membantu Dewan The Risk Monitoring Committee functions to assist the Board of
Komisaris dalam memonitor risiko dan menilai toleransi risiko Commissioners in monitoring risk and assessing the risk tolerance
yang dapat diambil oleh Bank, mengevaluasi perbaikan yang that could be taken by the Bank, evaluating improvements made
dilakukan atas kebijakan, prosedur dan praktik manajemen risiko to the Bank’s risk management policies, procedures and practices
Bank guna memastikan telah dilakukannya pengelolaan risiko to ensure that risk management had been carried out properly.
dengan baik. Sepanjang tahun 2023, Komite Pemantau Risiko Throughout 2023, the Risk Monitoring Committee carried out its
telah menjalankan tugas dan tanggung jawabnya dengan baik. duties and responsibilities well. The Risk Monitoring Committee
Komite Pemantau Risiko telah melaksanakan rapat sebanyak 8 held 8 (eight) meetings in accordance with its duties and
(delapan) kali sesuai dengan tugas dan tanggung jawabnya antara responsibilities, including:
lain:
1. Melakukan Review Pedoman dan Tata Kerja Komite Pemantau 1. Reviewing the Guidelines and Work Procedures of the Risk
Risiko. Monitoring Committee.
2. Melaksanakan Pemantauan Tingkat Kesehatan Bank (TKB) 2. Monitoring the Semester Bank Soundness Level (TKB)
bank bjb dan Dana Pensiun Lembaga Keuangan (DPLK) bank and Financial Institution Pension Funds bank bjb (DPLK)
bjb setiap semester secara berkala. periodically.
3. Mengevaluasi tingkat risiko melalui penelaahan dan 3. Evaluating the level of risk through reviewing and discussing
pembahasan Laporan self assessment Profil Risiko secara the Risk Profile self-assessment report periodically.
berkala.
4. Melakukan evaluasi atas penerapan fungsi Kepatuhan dan 4. Evaluating the Implementation of the Risk Management and
Manajemen Risiko Dana Pensiun Lembaga Keuangan (DPLK) Compliance Function at bank bjb DPLK Unit.
bank bjb.
5. Melakukan Evaluasi Kebijakan, Strategi dan Kerangka 5. Evaluating Policy, Strategy, and Risk Management Framework.
Manajemen Risiko.
6. Mengevaluasi Root Cause Credit Risk (RCCR) secara berkala. 6. Evaluating Root Cause Credit Risk (RCCR) periodically.
7. Melakukan evaluasi atas Bottom Up Stress Test (BUST) dan 7. Evaluating Bottom Up Stress Test (BUST) and Climate Change
Climate Change Risk Risk
Komite Tata Kelola Terintegrasi berfungsi untuk membantu Dewan The Integrated Governance Committee functions to assist the
Komisaris dalam melakukan pengawasan terhadap pelaksanaan Board of Commissioners in supervising the implementation
tata kelola terintegrasi bagi Lembaga Jasa Keuangan dalam of integrated governance for Financial Services Institutions in
konglomerasi keuangan bank bjb. Sepanjang tahun 2023, Komite the bank bjb financial conglomerate. Throughout 2023, the
Tata Kelola Terintegrasi telah menjalankan tugas dan tanggung Integrated Governance Committee carried out its duties and
jawabnya dengan baik. Komite Tata Kelola Terintegrasi telah responsibilities well. The Integrated Governance Committee held
melaksanakan rapat sebanyak 4 (empat) kali dan menjalankan 4 (four) meetings and carried out its duties, which include:
tugasnya yang antara lain:
1. Melakukan pemantauan dan evaluasi terhadap pelaksanaan 1. Monitoring and evaluating the implementation of integrated
tata kelola terintegrasi dalam konglomerasi keuangan bank governance in the bank bjb financial conglomerate.
bjb.
2. Melakukan pemantauan dan evaluasi terhadap pelaksanaan 2. Monitoring and evaluating the implementation of the duties
tugas dan fungsi Direktur yang membawahkan fungsi and functions of the Director in charge of Supervision of
Pengawasan terhadap Lembaga Jasa Keuangan dalam Financial Services Institutions in Financial Conglomerates.
Konglomerasi Keuangan.
3. Melakukan pemantauan dan evaluasi terhadap pelaksanaan 3. Monitoring and evaluating the implementation of the
tugas dan fungsi dari Satuan Kerja Audit Internal Terintegrasi, duties and functions of the Integrated Internal Audit Unit,
Satuan Kerja Manajemen Risiko Terintegrasi dan Satuan the Integrated Risk Management Unit and the Integrated
Kepatuhan Terintegrasi. Compliance Unit.
4. Melakukan pemantauan terhadap Kinerja dan Profil Risiko 4. Monitoring the Performance and Risk Profile of subsidiaries
dari perusahaan anak dan perusahaan terelasi dalam and related companies in financial conglomerates.
konglomerasi keuangan.
5. Melakukan pemantauan dan evaluasi atas tindak lanjut 5. Monitoring and evaluating the follow-up to the evaluation
terhadap hasil evaluasi satuan kerja audit internal terintegrasi, results of the integrated internal audit work unit, integrated
satuan kepatuhan terintegrasi dan satuan manajemen compliance unit and integrated risk management unit
risiko terintegrasi oleh Lembaga Jasa Keuangan (LJK) pada by the Financial Services Institution (LJK) in the Financial
Konglomerasi Keuangan. Conglomerate.
2023 Annual Report
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Mekanisme Pemberhentian dan Mechanism of Termination and
Pengunduran Diri Dewan Komisaris Withdrawal of the Board of Commissioners
Anggota Dewan Komisaris diangkat dan diberhentikan oleh Members of the Board of Commissioners are appointed and
RUPS dengan persyaratan dan tata cara yang telah ditetapkan di dismissed by the GMS with the requirements and procedures set
dalam Pedoman dan Tata Tertib Dewan Komisaris serta peraturan out in the Board of Commissioners’ Guidelines and Rules and
perundang-undangan yang berlaku. Komisaris diangkat untuk applicable laws and regulations. Commissioners are appointed for
jangka waktu tertentu dan berakhir apabila: a certain period and end if:
1. Kehilangan Kewarganegaraan Indonesia. 1. Loss of Indonesian Citizenship.
2. Mengundurkan diri. 2. Resign.
3. Meninggal dunia dalam masa jabatannya. 3. Passed away during the term of office.
4. Masa jabatannya berakhir, kecuali diangkat kembali sesuai 4. The term of office ends, unless re-appointed in accordance
dengan ketentuan yang berlaku. with the applicable provisions
5. Diberhentikan berdasarkan keputusan RUPS atas dasar: 5. Dismissed based on the GMS decision on the basis of:
a. Tidak lagi memenuhi persyaratan yang berlaku. a. No longer meets the applicable requirements.
b. Tidak menjalankan fungsinya dengan baik sesuai dengan b. Not carrying out its functions properly in accordance with
ketentuan yang berlaku. applicable regulations.
6. Anggota Dewan Komisaris berhak untuk mengundurkan 6. Members of the Board of Commissioners had the right to
diri dari jabatannya dengan memberitahukan secara tertulis resign from their positions by notifying in writing of the intent
mengenai maksud tersebut kepada Dewan Komisaris dengan to the Board of Commissioners with a copy to the Directors.
tembusan kepada Direksi.
7. Perseroan wajib menyelenggarakan RUPS untuk memutuskan 7. The Company was required to hold a GMS to decide on
permohonan pengunduran diri anggota Dewan Komisaris the application for resignation of members of the Board of
dalam jangka waktu paling lambat 60 (enam puluh) hari Commissioners within a period of no later than 60 (sixty) days
setelah diterimanya surat pengunduran diri. Apabila RUPS after receipt of the resignation letter. If the GMS was not held
tidak diselenggarakan dalam jangka waktu tersebut maka within that time period, the resignation of the members of the
pengunduran diri anggota Dewan Komisaris menjadi sah Board of Commissioners became valid without requiring the
tanpa memerlukan persetujuan RUPS, namun Perseroan wajib approval of the GMS, however, the Company was obliged to
menyampaikan laporan pengunduran diri tersebut dalam submit the resignation report at the upcoming GMS.
RUPS yang akan datang.
8. Apabila anggota Dewan Komisaris mengundurkan diri 8. If a member of the Board of Commissioners resigned so that
sehingga mengakibatkan jumlah anggota Dewan Komisaris the number of members of the Board of Commissioners
menjadi kurang dari 3 (tiga) orang, maka pengunduran diri became less than 3 (three) people, then the resignation was
tersebut sah apabila telah ditetapkan oleh RUPS dan telah valid if it was determined by the GMS and a new member
diangkat anggota Dewan Komisaris yang baru, sehingga of the Board of Commissioners had been appointed, thus
memenuhi persyaratan minimal jumlah anggota Dewan meeting the minimum requirements for the number of
Komisaris. members of the Board of Commissioners.
9. Bagi anggota Dewan Komisaris yang mengundurkan diri 9. The member of the Board of Commissioners who resigned
tersebut tetap berkewajiban menyelesaikan tugas dan was still obliged to complete his/her duties and responsibilities
tanggungjawabnya sesuai dengan ketentuan anggaran in accordance with the provisions of the articles of association
dasar sebagai anggota Dewan Komisaris sampai tanggal as a member of the Board of Commissioners until the date his
pengunduran dirinya berlaku efektif. resignation became effective.
Laporan Tahunan 2023
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Nominasi dan Remunerasi Dewan Nomination and Remuneration of the
Komisaris dan Direksi Board of Commissioners and Directors
Prosedur Nominasi Dewan Komisaris dan Board of Commissioners and Directors
Direksi Nomination Procedures
Para anggota Dewan Komisaris dan Direksi diangkat dan The members of the Board of Commissioners and the Directors
diberhentikan oleh RUPS. Calon anggota Dewan Komisaris are appointed and dismissed by the GMS. Candidates for the
dan Direksi terlebih dahulu dipilih oleh Komite Nominasi dan members of the Board of Commissioners and the Directors are
Remunerasi berdasarkan persyaratan anggota Komisaris yang first selected by the Nomination and Remuneration Committee
sesuai dengan Anggaran Dasar serta ketentuan yang berlaku. based on the members of the Board of Commissioners following
Calon anggota Dewan Komisaris yang diajukan dalam RUPS harus the Articles of Association and applicable regulations. Candidates
diusulkan oleh Pemegang Saham Seri A. for members of the Board of Commissioners proposed at the GMS
must be proposed by Series A Shareholders.
RUPS dapat mengangkat Dewan Komisaris dan Direksi yang The GMS may appoint the Board of Commissioners and the
selanjutnya dinyatakan efektif setelah lulus penilaian kemampuan Directors, which will be declared effective after passing the fit
dan kepatutan dari OJK sesuai ketentuan yang berlaku. Dalam hal and proper test from the OJK following applicable regulations.
calon anggota Dewan Komisaris dan Direksi yang telah diangkat Suppose the candidate members of the Board of Commissioners
oleh RUPS namun belum dinyatakan lulus penilaian kemampuan and the Directors whom the GMS has appointed have not been
dan kepatutan oleh OJK, maka yang bersangkutan belum memiliki declared to have passed the fit and proper test by the OJK. In that
hak dan kewajiban sebagai anggota Dewan Komisaris dan Direksi. case, those who are members of the Directors do not have the
rights and obligations as members of the Board of Commissioners
and Directors.
Kebijakan Remunerasi Dewan Komisaris Remuneration Policy of Board of
dan Direksi Commissioners and Directors
Remunerasi Dewan Komisaris dan Direksi mengacu kepada Remuneration of Board of Commissioners and Directors shall
Peraturan Otoritas Jasa Keuangan Nomor 45/ POJK.03/2015 refer to the prevailing provisions of the OJK Regulations No.
tanggal 23 Desember 2015 tentang Penerapan Tata Kelola Dalam 45/POJK.03/2015 dated December 23, 2015 concerning the
Pemberian Remunerasi Bagi Bank Umum serta Surat Edaran implementation of governance in the provision of remuneration
Otoritas Jasa Keuangan Nomor 40/SEOJK.03/2016 tanggal 26 for commercial banks and OJK Circular Letters No. 40/
September 2016 tentang Penerapan Tata Kelola Dalam Pemberian SEOJK.03/2016 dated September 26, 2016 concerning the
Remunerasi Bagi Bank Umum dan diturunkan dalam ketentuan implementation of governance in remuneration for commercial
internal bank bjb dalam Surat Keputusan Direksi Nomor 0380/SK/ banks and derived in the internal understanding of bank bjb in
DIR-CSE/2022 tanggal 22 Juli 2022 tentang Standar Operasional the Decree of the Directors No. 0380/SK/DIR-CSE/2022 dated
Prosedur Penghasilan, Tunjangan dan Fasilitas Dewan Komisaris July 22, 2022 concerning Standard Operational Procedures for
dan Direksi. Pemberian remunerasi bagi anggota Dewan Komisaris Income, Allowances and Facilities for the Board of Commissioners
dan Direksi dihitung berdasarkan formula yang ditetapkan oleh and Directors. Remuneration for members of the Board
RUPS. Setiap anggota Komisaris dan Direksi berhak menerima of Commissioners and directors is calculated based on the
sejumlah kompensasi yang diberikan secara bulanan. Dewan formula stipulated by the GMS. Each member of the Board of
Komisaris dan Direksi berhak mendapatkan tantiem berdasarkan Commissioners and directors has the right to receive a monthly
kinerja dan pencapaian Perseroan dengan besaran yang compensation. The BOC and BOD are entitled to a tantiem based
ditentukan dalam RUPS. Dewan Komisaris dan Direksi juga on the performance and achievement of the company with the
berhak mendapatkan tunjangan pada saat mereka telah tidak lagi magnitude specified in the GMS. Board of Commissioners and
menjabat sebagai Dewan Komisaris ataupun Direksi. Directors are also entitled to benefit when they have no longer
served as Board of Commissioners or Directors.
Prosedur Penetapan Remunerasi Remuneration Assignment Procedure
Prosedur standar penetapan remunerasi Dewan Komisaris dan The standard procedure for determining remuneration for the
Direksi ditetapkan sebagai berikut: Board of Commissioners and Board of Directors is as follows:
1. Dewan Komisaris meminta Komite Nominasi dan Remunerasi 1. The Board of Commissioners asks the nomination and
untuk menyusun rancangan usulan remunerasi. remuneration committee to draft a remuneration proposal.
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PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 727
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TATA KELOLA
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2. Komite Nominasi dan Remunerasi meminta pihak independen 2. Nomination and remuneration Committee requests
untuk menyusun rancangan remunerasi. independent Parties to draft remuneration plan.
3. Komite Nominasi dan Remunerasi mengusulkan kepada 3. The nomination and remuneration committee proposes to the
Dewan Komisaris mengenai remunerasi. Board of Commissioners regarding remuneration.
4. Dewan Komisaris mengusulkan remunerasi bagi anggota 4. The Board of Commissioners proposes remuneration for
Dewan Komisaris dan Direksi kepada RUPS. members of the Board of Commissioners and directors to the
GMS.
5. RUPS menetapkan remunerasi bagi anggota Dewan Komisaris 5. GMS stipulates remuneration for Board of Commissioners and
dan Direksi. Directors.
Indikator Penetapan Remunerasi Remuneration Determination Indicators
Dalam menetapkan indikator Dewan Komisaris dan Direksi bank In establishing the indicator of the Board of Commissioners
bjb mengacu pada Peraturan Otoritas Jasa Keuangan Nomor 45/ and Directors of bank bjb referring to OJK Regulations No. 45/
POJK.03/2015 tentang Penerapan Tata Kelola Dalam Pemberian POJK.03/2015 concerning the implementation of governance in
Remunerasi Bagi Bank Umum dengan mempertimbangkan hal-hal remuneration for commercial banks by providing the following
sebagai berikut: things:
1. Faktor skala usaha. 1. Business scale factor.
2. Faktor kompleksitas usaha. 2. Factors of complexity need.
3. Tingkat inflasi. 3. Inflation rate.
4. Kondisi dan kemampuan keuangan Perusahaan. 4. Company’s financial conditions and capabilities.
5. Faktor-faktor lain yang relevan, serta tidak boleh bertentangan 5. Other relevant factors, and should not be contrary to statutory
dengan peraturan perundang-undangan. regulations.
Struktur dan Jumlah Nominal/Komponen Structure and Number of Remuneration/
Remunerasi Dewan Komisaris dan Direksi Components of Board of Commissioners
and Directors
Struktur Remunerasi Direksi Remuneration Structure of Board of Directors
Struktur remunerasi anggota Direksi yang mengacu pada Surat The remuneration structure of members of the Board of Directors
Keputusan Direksi Nomor 0380/SK/DIR-CSE/2022 tanggal 22 as referred to in the Decree of the Directors Number 0380/SK/
Juli 2022 tentang Standar Operasional Prosedur Pengelolaan DIRCSE/2022 dated July 22, 2022 concerning Standard Operating
Penghasilan, Tunjangan dan Fasilitas Bagi Dewan Komisaris dan Procedures for Income, Allowance, and Facilities for the Board of
Direksi, sebagai berikut: Commissioners and Directors, as follows:
Jenis Remunerasi Keterangan
No
Type of Remuneration Information
1 GAJI/ SALARY
Direktur Utama sebesar 100%
President Director 100%
Direktur sebesar 80%
Director 80%
Tantiem Ditentukan dalam Rapat Umum Pemegang Saham
Tantiem Determined in the General Meeting of Shareholders
Tantiem merupakan remunerasi yang bersifat Variabel dapat diberikan dalam bentuk tunai dan/atau saham
Tantiem/bonuses became a variable remuneration that could be given in the form of cash and/or share
Material Risk Takers atas penerima tantiem yang ditetapkan oleh bank adalah Direksi, tantiem untuk Material
Risk Takers diberikan dengan proporsi sebagai berikut:
a. 90% tunai dan diberikan secara langsung sesuai ketentuan
b. 10% ditangguhkan sebagai Long Term Insentif terdiri dari 5% tunai dan 5% saham
Material Risk Takers to the recipient determined by the Bank were the Directors, tantiem/bonuses for Material
Risk Takers was given in the following proportions:
a. 90% cash and given directly according to the provisions
b. 10% deferred as Long-Term Incentives consisting of 5% cash and 5% shares
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Jenis Remunerasi Keterangan
No
Type of Remuneration Information
Pemberian long term insentif diberikan dengan jangka waktu penangguhan selama 3 (tiga) tahun
Long-Term Incentives were granted within a suspension period of 3 (three) years
Malus terjadi apabila Material Risk Takers terindikasi fraud
Malus occurred when Material Risk Takers were indicated as Fraud
2 FASILITAS DAN TUNJANGAN / FACILITIES AND BENEFITS
Hari Raya Anggota Direksi diberikan tunjangan Hari Raya Keagamaan sebesar 2 (dua) kali gaji setiap tahun.
Holiday Members of the Directors are provided Religious Holiday allowance of 2 (two) times salary annually.
Fasilitas Kendaraan Disediakan Bank dan dapat dimiliki
Vehicle Facilities The Company provides and it can be owned
Jamuan Makan Diberikan jamuan makan
Banquet Provided a banquet
Cuti dan Bekal Cuti 1 (satu) kali gaji
Leave and Leave Provisions 1 (one) time salary
Tunjangan Hari Tua Bank mengikut sertakan Direktur dalam program Tunjangan Hari Tua
Pension Bank includes the Directors in the Old Age Allowance program
Tunjangan Pakaian Dinas Diberikan 1 (satu) tahun sekali
Official Wear Allowance Awarded 1 (once) a year
Uang Penghargaan Diberikan sesuai masa jabatan
Award Money Given according to the term of office
Perjalanan Dinas Diberikan uang saku perjalanan dinas, akomodasi, dan transportasi sesuai ketentuan
Official Travel Given pocket money for official travel, accommodation, and transportation in accordance with the provisions
Manfaat Pensiun Direktur Diikutsertakan program pensiun iuran pasti
Retirement Benefits Directors are included in the defined contribution pension plan
Asuransi Jabatan Direktur Utama sebesar 70.000 USD dan bagi Direktur sesuai formulasi gaji
Position Insurance President Director is 70.000 USD and the Directors is according to salary formula
Fasilitas Kesehatan dan Medical Fasilitas kesehatan termasuk suami/isteri dan anak dalam tanggungan maksimum 3 (tiga) anak baik dalam
Check Up negeri maupun luar negeri
Medical Facilities and Medical Medical facilities include husband/wife and dependent children for a maximum 3 (three) children both
Check Up domestically and abroad
Fasilitas Rumah Dinas dan
Penginapan Direktur Utama Rp. 20.000.000 dan Direktur sebesar Rp. 15.000.000
Official Housing and Lodging President Directors is Rp20.000.000 and the Directors is Rp15.000.000
Facilities
Fasilitas Komunikasi 3 (tiga) perangkat
Communication Facilities 3 (three) devices
Insentif Prestasi Kerja Diberikan sesuai ketentuan Bank
Work Achievement Incentives Given according to the Bank regulations
3 BANTUAN HUKUM / LEGAL PROTECTION ASSISTANCE
Bantuan Perlindungan Hukum Diberikan sesuai plafon
Legal Protection Assistance Given according to the Ceiling
Struktur Remunerasi Dewan Komisaris Remuneration Structure of Board of
Commissioners
Remunerasi Dewan Komisaris mengacu pada Peraturan Otoritas The remuneration of the Board of Commissioners refers to OJK
Jasa Keuangan Nomor 45/POJK.03/2015 tentang Penerapan Regulation Number 45/POJK.03/2015 concerning Implementation
Tata Kelola Dalam Pemberian Remunerasi Bagi Bank Umum serta of Good Corporate Governance in Providing Remuneration
Surat Edaran Otoritas Jasa Keuangan Nomor 40/SEOJK.03/2016 for Commercial Banks and OJK Circular Letters Number 40/
tentang PenerapanTata Kelola Dalam Pemberian Remunerasi bagi SEOJK.03/2016 concerning Implementation of Good Corporate
Bank Umum dan diturunkan dalam ketentuan internal dalam Governance in Providing Remuneration for Commercial Banks and
Surat Keputusan Direksi Nomor 0380/SK/DIR-CSE/2022 tanggal derived in the internal understanding in the Decree of the Directors
22 Juli 2022 tentang Standar Operasional Prosedur Pengelolaan, Number 0380/SK/ DIR-CSE/2022 dated July 22, 2022 concerning
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 729
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TATA KELOLA
PERUSAHAAN
Penghasilan, Tunjangan dan Fasilitas Bagi Dewan Komisaris dan Standard Operating Procedures for Income, Allowance, and
Direksi. Facilities for the Board of Commissioners and Directors.
Pemberian remunerasi bagi anggota Dewan Komisaris dihitung Remuneration for members of the Board of Commissioners is
berdasarkan formula yang ditetapkan oleh RUPS. Setiap anggota calculated based on the formula stipulated by the GMS. Each
Komisaris berhak menerima sejumlah kompensasi yang diberikan member of the Board of Commissioners has the right to receive a
secara bulanan. Dewan Komisaris berhak mendapatkan tantiem monthly compensation. The Board of Commissioners is entitled to
berdasarkan kinerja dan pencapaian Bank dengan besaran a tantiem/ bonuses based on the performance and achievement
yang ditentukan dalam RUPS. Dewan Komisaris juga berhak of the Bank with magnitude specified in the GMS. The Board of
mendapatkan tunjangan pada saat mereka telah tidak lagi Commissioners is also entitled to benefits when they have no
menjabat sebagai Dewan Komisaris ataupun Direksi. longer served as the Board of Commissioners of Directors.
Adapun struktur remunerasi Dewan Komisaris berdasarkan Surat The remuneration structure of the Board of Commissioners is
Keputusan Direksi Nomor 0380/SK/DIR-CSE/2022 tanggal 22 based on the Decree of the Directors Number 0380/SK/DIR-
Juli 2022 tentang Standar Operasional Prosedur Pengelolaan CSE/2022 dated July 22, 2022 concerning Standard Operating
Penghasilan, Tunjangan, dan Fasilitas Bagi Dewan Komisaris dan Procedures for Income, Allowance, and Facilities for the Board of
Direksi sebagai berikut: Commissioners and Directors as follows:
Jenis Remunerasi Keterangan
No
Type of Remuneration Information
1 HONORARIUM DAN TANTIEM / HONORARIUM AND TANTIEM
Komisaris Utama Independen sebesar 60% dari Direktur Utama.
Honorarium Independent President Commissioner is 60% of the President Director
Honorarium Anggota Dewan Komisaris sebesar 50% dari Direktur Utama.
Members of the Board of Commissioners are 50% of the President Director
1. Ditentukan dalam Rapat Umum Pemegang Saham
2. Tantiem Bagi Dewan Komisaris diberikan sebagai berikut:
a. Komisaris Utama Independen dan Komisaris Independen diberikan seluruhnya secara langsung
dalam bentuk tunai.
Tantiem b. Komisaris diberikan 3% dalam bentuk saham dan sisanya diberikan tunai secara langsung.
Tantiem 1. Determined in the General Meeting of Shareholders.
2. The Board of Commissioners’ bonuses were given as follows:
a. Independent President Commissioner and Independent Commissioner are given entirely directly in
the form of cash.
b. Commissioners are given 3% in the form of shares, and the rest was given in cash directly.
2 FASILITAS DAN TUNJANGAN / FACILITIES AND BENEFITS
Hari Raya Dewan Komisaris diberikan tunjangan Hari Raya sebesar 2 (dua) kali honorarium.
Holiday The Board of Commissioners is given Holiday Allowance 2 (two) times honorarium.
Fasilitas Kendaraan Disediakan Bank dan dapat dimiliki
Vehicle Facilities Company provides and it can be owned
Jamuan Makan Diberikan jamuan makan
Banquet Provided a banquet
Tunjangan Hari Tua Bank mengikutsertakan Dewan Komisaris dalam Program Tunjangan Hari Tua
Pension The Company includes the Board of Commissioners in the Old Age Allowance Program
Tunjangan Pakaian Dinas Diberikan 1 (satu) tahun sekali
Official Wear Allowance Awarded 1 (once) a year
Uang Penghargaan Diberikan sesuai masa jabatan
Award Money Given according to the term of office
Perjalanan Dinas Diberikan sebesar 75% dari dinas Direksi
Official Travel Given 75% of the service of the Directors
Direktur Utama sebesar 70.000 USD dan bagi Dewan Komisaris sesuai formula gaji
Asuransi Jabatan
President Director amounting to 70,000 USD and for the Board of Commissioners according to the
Position Insurance
salary formula
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Jenis Remunerasi Keterangan
No
Type of Remuneration Information
Fasilitas Kesehatan dan Medical Fasilitas kesehatan termasuk suami/isteri dan anak dalam tanggungan maksimum 3 (tiga) anak baik
Check Up dalam negeri dan luar negeri
Health Facilities and Medical Check Health Facilities include husband/wife and dependent children for a maximum of 3 (three) children both
Up domestically and abroad
Fasilitas Rumah Dinas dan
Disediakan penginapan
Penginapan
Provided accommodation
Official House and Lodging Facilities
Fasilitas Komunikasi 2 (dua) perangkat
Communication Facilities 2 (two) devices
Insentif Prestasi Kerja Diberikan sesuai ketentuan Bank
Work Performance Incentives Given according to the Bank regulations
3 BANTUAN HUKUM / LEGAL ASSISTANCE
Bantuan Perlindungan Hukum Diberikan sesuai Plafon
Legal Protection Assistance Given according to the Ceiling
Paket Remunerasi dan Fasilitas Yang Diterima Remuneration and Benefits Packages Received
Oleh Masing-Masing Dewan Komisaris dan by Board of Commissioners and Directors
Direksi
Paket Remunerasi dan fasilitas yang diterima oleh Dewan The Remuneration and benefits Packages received by the Board of
Komisaris dan Direksi mencakup struktur Remunerasi dan rincian Commissioners and Directors include the Remuneration structure
jumlah nominal, sebagaimana dalam tabel di bawah ini: and details of the nominal amount, as in the table below:
Jumlah yang Diterima Dewan Komisaris Jumlah yang Diterima Direksi dalam 1
dalam 1 Tahun Tahun
Amount Received by the Board of Amount Received by the Board of Directors
Jenis Remunerasi dan Fasilitas Lain Commissioners in 1 Year in 1 Year
Types of Remuneration and Other
Facilities
Jumlah (dalam Juta Jumlah (dalam Juta
Orang Orang
Rupiah) Rupiah)
People People
Amount (in Million Rupiah) Amount (in Million Rupiah)
Remunerasi (gaji, tunjangan rutin, tantiem, dan
fasilitas lainnya dalam bentuk non natura)
Remuneration (salary, regular allowances, 7 34,350 7 93,641
bonuses and other facilities in the form of in
kind)
Fasilitas lain dalam bentuk natura (perumahan,
transport, asuransi, dan sebagainya) yang
dapat dimiliki tidak dapat dimiliki
- - 1 800
Other facilities in kind (housing, transport,
insurance, etc.) that can be owned cannot be
owned
Total 7 34,350 7 94,441
Termasuk Direksi dan Dewan Komisaris yang berhenti menjabat Including Directors and Board of Commissioners who stopped
di tahun 2023. serving in 2023.
Remunerasi Dewan Komisaris dan Direksi dalam satu tahun Remuneration of the Board of Commissioners and Directors in one
dikelompokkan dalam kisaran tingkat penghasilan adalah sebagai year is grouped into a range of income levels as follows.
berikut.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 731
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TATA KELOLA
PERUSAHAAN
Tabel Kelompok Jumlah Remunerasi Dewan Komisaris dan Direksi
Table of Total Remuneration Groups for the Board of Commissioners and Directors
Jumlah Remunerasi per orang
Jumlah Dewan Komisaris Jumlah Direksi
dalam 1 (satu) tahun
Number of Board of Commissioners Number of Directors
Amount of Remuneration per person in 1 (one) year
Di atas Rp2 Milyar
5 7
Above IDR2 billion
Di atas Rp1 Milyar – Rp2 Milyar
2 -
Above IDR1 billion – IDR2 billion
Di atas Rp500 Juta – Rp1 Milyar
- -
Above IDR500 Million – IDR1 Billion
Rp500 Juta ke bawah
- -
IDR500 Million and below
Transparansi Kepemilikan Saham Transparency of Share Ownership of
Direksi dan Dewan Komisaris Directors and Board of Commissioners
Kepemilikan Saham Anggota Direksi dan Share Ownership of Members of The
Dewan Komisaris Directors and Board of Commissioners
Direksi dan Dewan Komisaris wajib mengungkapkan kepemilikan The Directors and the Board of Commissioners are obliged to
saham yang mencapai 5% (lima persen) atau lebih, baik pada disclose share ownership that reaches out 5% (five percent)
Bank maupun pada perusahaan lain yang berkedudukan di dalam or more, either in the Bank or in other companies domiciled in
dan di luar negeri. domestic and abroad.
Kepemilikan Saham Direksi Lebih Dari 5% Directors Shares Ownership More Than 5%
Kepemilikan Saham
Share Ownership (shares)
Nama Jabatan Lembaga
Name Position Keuangan Bukan Perusahaan
bank bjb Bank Lain
Bank Lain
bank bjb Other Bank
Non-Bank Financial Other Company
Institutions
Direktur Utama
Yuddy Renaldi - - - -
President Director
Direktur Kepatuhan
Cecep Trisna - - - -
Director of Compliance
Direktur Keuangan
Nia Kania - - - -
Director of Finance
Direktur Konsumer & Ritel
Suartini - - - -
Director of Consumer & Retail
Direktur Operasional
Tedi Setiawan - - - -
Director of Operations
Direktur Information Technology, Treasury &
International Banking
Rio Lanasier - - - -
Director of Information Technology, Treasury &
International Banking
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Kepemilikan Saham
Share Ownership (shares)
Nama Jabatan Lembaga
Name Position Keuangan Bukan Perusahaan
bank bjb Bank Lain
Bank Lain
bank bjb Other Bank
Non-Bank Financial Other Company
Institutions
Direktur Komersial dan Usaha Mikro Kecil dan
Nancy Menengah
- - - -
Adistyasari Director of Commercial and Micro, Small and
Medium Enterprises
Kepemilikan Saham Dewan Komisaris Lebih Board of Commissioners Share Ownership
Dari 5% More Than 5%
Kepemilikan Saham
Share Ownership (shares)
Nama Jabatan Lembaga
Name Position Keuangan Bukan Perusahaan
bank bjb Bank Lain
Bank Lain
bank bjb Other Bank
Non-Bank Financial Other Company
Institutions
Komisaris Utama Independen
Farid Rahman - - - -
Independent President Commissioner
Komisaris
Muhadi* - - - -
Commissioner
Komisaris
Rudie Kusmayadi** - - - -
Commissioner
Setiawan Komisaris
- - - -
Wangsaatmaja Commissioner
Komisaris
Tomsi Tohir** - - - -
Commissioner
Komisaris Independen
Diding Sakri - - - -
Independent Commissioner
Komisaris Independen
Fahlino F. Sjuib - - - -
Independent Commissioner
* Diberhentikan dengan hormat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 tanggal 25 Mei 2023
** Diangkat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 dan Efektif menjabat pada tanggal 9 Agustus 2023 berdasarkan hasil
keputusan Penilaian Kemampuan dan Kepatutan dari Otoritas Jasa Keuangan.
* Honorably dismissed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) dated May 25, 2023
** Appointed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) and effective on August 9, 2023, based on the results of the Fit and
Proper Test decision from the Financial Services Authority.
Pembelian/Penjualan Saham Dewan Shares Purchase/Sale of The Board of
Komisaris dan Direksi Commissioners and Directors
Transaksi kepemilikan saham Direksi dan Dewan Komisaris Share ownership transactions for the Board of Directors and the
Perseroan termasuk pada penyampaian laporan kepada Board of Commissioners of the Company included submitting
Regulator mengacu pada Peraturan Otoritas Jasa Keuangan reports to Regulators referring to the OJK Regulations Number 11/
Nomor 11/POJK.04/2017 Tentang Laporan Kepemilikan atau POJK.04/2017 Concerning Ownership Reports or Any Changes in
Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka serta Public Company Share Ownership and Directors Decree Number
Surat Keputusan Direksi Nomor 0681/SK/DIR-CS/2019 tentang 0681/SK/DIR-CS /2019 concerning Guidelines for Management of
Pedoman Pengelolaan Aktivitas Pasar Modal. Informasi dilaporkan Capital Market Activities. Information is reported to the Corporate
kepada Sekretaris Perusahaan paling lambat 3 (tiga) hari kerja Secretary no later than 3 (three) working days after the ownership
setelah terjadinya kepemilikan atau setiap perubahan kepemilikan or any change in ownership of the Company’s shares. Members of
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 733
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TATA KELOLA
PERUSAHAAN
atas saham Perusahaan. Anggota Direksi atau anggota Dewan the Board of Directors or members of the Board of Commissioners
Komisaris wajib melaporkan kepada OJK atas kepemilikan dan must report to OJK the ownership and any changes in their
setiap perubahan kepemilikannya atas saham Perusahaan Terbuka ownership of the shares of the Public Company, either directly
baik langsung maupun tidak langsung. Laporan wajib disampaikan or indirectly. The report must be submitted no later than 10 (ten)
paling lambat 10 (sepuluh) hari sejak terjadinya kepemilikan atau days after the ownership or change in ownership of the shares of
perubahan kepemilikan atas saham Perusahaan Terbuka tersebut. the Public Company.
Adapun transaksi kepemilikan saham Direksi dan Dewan Komisaris The share ownership transactions for the Board of Directors and
selama tahun 2023 adalah sebagai berikut. the Board of Commissioners for 2023 were as follows.
Jumlah Saham yang
Pembelian/Penjualan
Nama Jabatan Tanggal Transaksi dibeli/jual
Saham
Name Position Transaction date Number of Shares
Purchase/Sell of Shares
purchased/sold
Direktur Utama 13 April 2023 Pembelian
Yuddy Renaldi 401,754
President Director April 13, 2023 Purchase
Direktur Keuangan 13 April 2023 Pembelian
Nia Kania 321,401
Director of Finance April 13, 2023 Purchase
Direktur Konsumer & Ritel 13 April 2023 Pembelian
Suartini 321,401
Director of Consumer & Retail April 13, 2023 Purchase
Direktur Operasional 13 April 2023 Pembelian
Tedi Setiawan 321,401
Director of Operations April 13, 2023 Purchase
Direktur Information Technology,
Treasury & International Banking 13 April 2023 Pembelian
Rio Lanasier 321,401
Director of Information Technology, April 13, 2023 Purchase
Treasury & International Banking
Direktur Komersial & UMKM 13 April 2023 Pembelian
Nancy Adistyasari 321,401
Commercial & MSME Director April 13, 2023 Purchase
Direktur Kepatuhan 13 April 2023 Pembelian
Cecep Trisna 321,401
Director of Compliance April 13, 2023 Purchase
Komisaris 13 April 2023 Pembelian
Setiawan Wangsaatmaja 54,420
Commissioner April 13, 2023 Purchase
Komisaris 13 April 2023 Pembelian
Muhadi* 120,520
Commissioner April 13, 2023 Purchase
Komisaris 6 Maret 2023 Pembelian
Muhadi* 140,000
Commissioner March 6, 2023 Purchase
Komisaris 8 Maret 2023 Pembelian
Muhadi* 45,000
Commissioner March 8, 2023 Purchase
Komisaris 15 Maret 2023 Pembelian
Muhadi* 75,000
Commissioner March 15, 2023 Purchase
Komisaris 5 Mei 2023 Pembelian
Muhadi* 127,400
Commissioner May 5, 2023 Purchase
Komisaris 11 Mei 2023 Pembelian
Muhadi* 100,000
Commissioner May 11, 2023 Purchase
Komisaris 15 Mei 2023 Pembelian
Muhadi* 67,000
Commissioner May 15, 2023 Purchase
* Diberhentikan dengan hormat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 tanggal 25 Mei 2023
* Respectfully dismissed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) dated May 25, 2023
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Kebijakan Keberagaman Direksi dan Policies on Diversity of Directors and
Dewan Komisaris Board of Commissioners
Kebijakan keberagaman Komposisi Dewan Komisaris dan Direksi The policies on diversity of the bank bjb Board of Commissioners
bank bjb mengacu pada rekomendasi Otoritas jasa keuangan and Directors Composition refers to the recommendation of
yang dituangkan dalam Lampiran Surat Edaran Otoritas Jasa the OJK Circular Letters Number 32/ SEOJK.04/2015 concerning
Keuangan Nomor 32/SEOJK.04/2015 tentang Pedoman Tata Guidelines for Public Company Governance stated that the
Kelola Perusahaan Terbuka dinyatakan bahwa komposisi Dewan composition of the Board of Commissioners and Directors must
Komisaris dan Direksi wajib memperhatikan keberagaman pay attention to the diversity of the composition of the Board
komposisi Dewan Komisaris dan Direksi. Keberagaman Commissioners and Directors. The diversity of the composition
komposisi Dewan Komisaris dan Direksi merupakan kombinasi of the Board of Commissioners and Directors is a combination
karakteristik baik dari segi Dewan Komisaris dan Direksi maupun of characteristics both in terms of Board of Commissioners
anggota Dewan Komisaris dan Direksi secara individu, sesuai and Directors as well as members of the Board Commissioners
dengan kebutuhan Perusahaan Terbuka. Karakteristik tersebut and the Directors individually, according to the needs of the
dapat tercermin dalam penentuan keahlian, pengetahuan, Public Company. These characteristics can be reflected in the
dan pengalaman yang dibutuhkan dalam pelaksanaan tugas determination of expertise, knowledge and experience needed
pengawasan dan pemberian nasihat oleh Dewan Komisaris serta in the implementation of supervisory duties and providing advice
yang sesuai pada pembagian tugas dan fungsi jabatan Direksi by the Board of Commissioners and those appropriate to the
dalam mencapai tujuan Perusahaan Terbuka. Komposisi yang division of tasks and functions and the Director’s positions in
telah memperhatikan kebutuhan Perusahaan Terbuka merupakan achieving the goals of the Public Company. The composition
suatu hal yang positif, khususnya terkait pengambilan keputusan that has taken into account the needs of the public company
dalam rangka pelaksanaan fungsi pengawasan yang dilakukan is a positive thing, especially related to decision making in the
dengan mempertimbangkan berbagai aspek yang lebih luas. context of implementing the supervisory function carried out by
Kebijakan keberagaman komposisi Direksi dan Dewan Komisaris considering a boarder range of aspects. The policies on diversity
bank bjb mengacu pada SEOJK tersebut. on the composition of bank bjb Board of Commissioners refers
to the SEOJK.
Keberagaman Komposisi Direksi Diversity In The Composition of The Board
of Directors
Keberagaman komposisi Direksi pada tahun 2023 tercermin The diversity of the composition of the Board of Directors in 2023
dalam pendidikan, pengalaman kerja, usia dan jenis kelamin, is reflected in education, work experience, age, and gender, which
dapat dilihat sebagaimana dalam tabel di bawah ini: can be seen in the table below:
Tabel Keberagaman Komposisi Direksi
Table of Diversity Composition of the Board of Directors
Jenis Pendidikan Pengalaman
Nama Jabatan Usia Keahlian
Kelamin Educational Kerja
Name Position Age Expertise
Gender Background Work Experience
• Sarjana bidang
Ekonomi Akuntansi
• Master bidang Memiliki pengalaman
Akuntansi,
59 Tahun Manajemen kerja di bidang
Direktur Utama Laki-laki Manajemen
Yuddy Renaldi 59 years • Bachelor of perbankan.
President Director Man Accounting,
old Accounting Have work experience
Management
Economics in banking.
• Master in
Management
• Sarjana bidang
Administrasi Negara
• Master bidang
Manajemen Administrasi
Keuangan Memiliki pengalaman Negara, Manajemen
57 Tahun • Doktor bidang kerja di bidang Keuangan.
Direktur Operasional Laki-laki
Tedi Setiawan 57 years Manajemen perbankan. State
Director of Operations Man
old • Bachelor of Public Have work experience Administration,
Administration in banking. Financial
• Master in Financial Management.
Management
• Doctorate in
Management
2023 Annual Report
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TATA KELOLA
PERUSAHAAN
Jenis Pendidikan Pengalaman
Nama Jabatan Usia Keahlian
Kelamin Educational Kerja
Name Position Age Expertise
Gender Background Work Experience
• Sarjana bidang
Teknik Sipil
Direktur Information • Master bidang Civil
Memiliki pengalaman
Technology, Treasury & & Environment
48 tahun kerja di bidang
International Banking Laki-laki Engineering Teknik Sipil
Rio Lanasier 48 years perbankan.
Director of Information Man • Bachelor of Civil Civil Engineering
old Have work experience
Technology, Treasury & Engineering
in banking.
International Banking • Master in Civil &
Environmental
Engineering
• Sarjana Bidang
Ekonomi Memiliki pengalaman
57 tahun • Master Bidang kerja di bidang
Direktur Keuangan Perempuan Ekonomi
Nia Kania 57 years Hukum perbankan.
Director of Finance Woman Economics
old • Bachelor in Have work experience
Economics in banking.
• Master in Law
Memiliki pengalaman
Statistika,
Direktur Konsumer & Ritel 55 tahun Sarjana Bidang kerja di bidang
Perempuan Manajemen
Suartini Director of Consumer & 55 years Statistika perbankan.
Woman Statistics,
Retail old Bachelor of Statistics Have work experience
Management
in banking.
Ekonomi,
Memiliki pengalaman
Sarjana bidang Kepatuhan dan
56 Tahun kerja di bidang
Direktur Kepatuhan Laki-laki Manajemen Manajemen Risiko
Cecep Trisna 56 years perbankan.
Director of Compliance Man Bachelor of Economics,
old Have work experience
Management Compliance and Risk
in banking.
Management
Direktur Komersial dan
Usaha Mikro Kecil dan Sarjana Bidang Memiliki pengalaman
Menengah (UMKM) 42 tahun Geofisika dan kerja di bidang
Nancy Perempuan Ekonomi
Director of Commercial 42 years Meteorologi perbankan.
Adistyasari Woman Economics
and Micro, Small and old Bachelor of Geophysics Have work experience
Medium Enterprises and Meteorology in banking.
(MSMEs)
Keberagaman Komposisi Dewan Komisaris Composition Diversity of The Board of
Commissioners
Keberagaman komposisi Dewan Komisaris pada tahun 2023 juga The diversity of the composition of the Board of Commissioners
tercermin dalam pendidikan, pengalaman kerja, usia dan jenis in 2023 is also reflected in education, work experience, age, and
kelamin, dapat dilihat sebagaimana dalam tabel di bawah ini: gender, which can be seen in the table below:
Tabel Keberagaman Komposisi Dewan Komisaris
Table of Diversity in the Composition of the Board of Commissioners
Jenis
Nama Jabatan Usia Pendidikan Pengalaman Kerja Keahlian
Kelamin
Name Position Age Educational Background Work Experience Expertise
Gender
Farid Rahman Komisaris Utama 65 Tahun Laki-laki • S1 Ekonomi Memiliki pengalaman Perbankan
Independen 65 years Man • S2 Business Administration kerja di bidang Banking
Independent old • Bachelor’s Degree in Economics perbankan.
President • Master of Business Has work experience in
Commissioner Administration banking.
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Jenis
Nama Jabatan Usia Pendidikan Pengalaman Kerja Keahlian
Kelamin
Name Position Age Educational Background Work Experience Expertise
Gender
Rudie Kusmayadi Komisaris 65 Tahun Laki-laki • D3 Teknik Lingkungan Memiliki pengalaman Managerial
Commissioner 65 years Man • S1 Manajemen Pembangunan sebagai Direktur Utama Managerial
old Daerah BUMD
• S2 Manajemen Pembangunan Has experience as
Daerah President Director of
• D3 Environmental Engineering BUMD
• Bachelor’s Degree in Regional
Development Management
• Masters in Regional
Development Management
Setiawan Komisaris 60 Tahun Laki-laki • Sarjana bidang Teknik Memiliki pengalaman Managerial
Wangsaatmaja Commissioner 60 years Man Lingkungan kerja di bidang Managerial
old • Master of Sanitary Engineering pemerintahan dan
• Master of Environmental Perbankan.
Engineering Has work experience
• Doktor bidang Teknik in government and
Lingkungan banking.
• Bachelor’s degree in
Environmental Engineering
• Master of Sanitary Engineering
• Master of Environmental
Engineering
• Doctorate in Environmental
Engineering
Tomsi Tohir Komisaris 55 Tahun Laki-laki • Akademi Kepolisian Memiliki Pengalaman Managerial
Commissioner 55 years Man • S2 Kajian Ilmu Kepolisian di Kepolisian Republik Managerial
old • Police Academy Indonesia
• Masters in Police Science Has experience in the
Studies Republic of Indonesia
Police
Muhadi* Komisaris 69 Tahun Laki-laki • S1 Teknik Geodesi Memiliki pengalaman Managerial
Commissioner 69 years Man • S2 Perencanaan Wilayah dan kerja di bidang Managerial
old Kota pemerintahan dan
• Bachelor’s Degree in Geodetic Perbankan.
Engineering Has work experience
• Masters in Regional and City in government and
Planning banking.
Diding Sakri Komisaris 46 Tahun Laki-laki • Sarjana bidang Teknik Memiliki pengalaman Ekonomi
Independen 46 years Man Planologi (Perencanaan kerja di bidang Economics
Independent old Wilayah dan Kota) Ekonomi, Penelitian dan
Commissioner • Master of Arts (double degree) perbankan.
• PhD bidang Development Has work experience
Economics in Economics, Research
• Bachelor’s degree in Planology and banking..
Engineering (Regional and City
Planning)
• Master of Arts (double degree)
• PhD in Development
Economics
Fahlino F. Sjuib Komisaris 51 Tahun Laki-laki • S2 Ekonomi Memiliki pengalaman Ekonomi
Independen 51 years Man • S3 Ekonomi kerja di bidang Economics
Independent old • Masters in Economics pendidikan, ekonomi
Commissioner • Doctoral Degree in Economics dan Perbankan
Has work experience in
education, economics
and banking
* Diberhentikan dengan hormat berdasarkan salah satu keputusan RUPS Luar Biasa Tahun 2023
* Honourably dismissed based on one of the decisions of the 2023 Extraordinary GMS
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 737
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Organ dan Komite di Bawah Dewan Organs and Committees Under the
Komisaris Board of Commissioners
Dalam rangka mendukung efektivitas tugas dan In order to support the effectiveness of their duties and
tanggungjawabnya, Dewan Komisaris dibantu oleh Sekretaris responsibilities, the Board of Commissioners is assisted by the
Dewan Komisaris dan Komite-komite yang bertanggung jawab Secretary of the Board of Commissioners and Committees that
kepada Dewan Komisaris, antara lain: are responsible to the Board of Commissioners, namely:
1. Komite Audit 1. Audit Committee
2. Komite Pemantau Risiko 2. Risk Monitoring Committee
3. Komite Nominasi dan Remunerasi 3. Nomination and Remuneration Committee
4. Komite Tata Kelola Terintegrasi 4. Integrated Governance Committee
Sekretaris Dewan Komisaris Secretary of Board of Commissioners
Sekretaris Dewan Komisaris adalah organ Dewan Komisaris yang The Secretary of the Board of Commissioners is an organ of
diangkat oleh Perseroan yang bertugas membantu kelancaran the Board of Commissioners appointed by the Company whose
kegiatan administrasi pelaksanaan tugas dan tanggung jawab task is to assist the smooth administration of the duties and
Dewan Komisaris. Sekretaris Dewan Komisaris bertanggung jawab responsibilities of the Board of Commissioners. The Secretary of the
kepada Direktur Utama. Sekretaris Dewan Komisaris bertanggung Board of Commissioners is responsible to the President Director.
jawab untuk mengkoordinasikan kegiatan identifikasi, The Secretary of the Board of Commissioners is responsible for
perencanaan dan pelaksanaan strategi pengelolaan kegiatan coordinating the identification, planning and implementation of
kesekretariatan dan protokoler Dewan Komisaris demi terciptanya strategies for managing the secretariat activities and protocols of
fungsi Kesekretariatan Dewan Komisaris yang berjalan efektif, the Board of Commissioners for the creation of the Secretariat
efisien dan mendukung kelancaran aktivitas Dewan Komisaris. function of the Board of Commissioners that runs effectively,
efficiently and supports the smooth activities of the Board of
Commissioners.
Tugas dan Tanggung Jawab Sekretaris Dewan Duties and Responsibilities of the Board of
Komisaris Commissioners
Secara struktural Sekretaris Dewan Komisaris bertanggung Structurally the Secretary of the Board of Commissioners reports
jawab langsung kepada Direktur Utama dan secara fungsional directly to the President Director and functionally reports directly
bertanggung jawab langsung kepada Dewan Komisaris. Adapun to the Board of Commissioners. The duties and responsibilities of
tugas dan tanggung jawab Sekretaris Dewan Komisaris meliputi: the Secretary of the Board of Commissioners include:
1. Mengelola penyusunan kebijakan dan/prosedur bidang 1. Manage the preparation of policies and/ procedures in the
corporate secretary field of corporate secretary
a. Menyusun Pedoman tata tertib Dewan Komisaris a. Prepare the Board of Commissioners Code of Conduct.
b. Menyusun Pedoman tata tertib Komite Dewan Komisaris b. Preparing the Board of Commissioners Committee Rules
of Procedure.
c.
Menyusun kebijakan dan/atau prosedur lain terkait c. Formulate other policies and/or procedures related to the
Kesekretariatan Dewan Komisaris Secretariat of the Board of Commissioners
2. Mengelola rencana dan aktivitas reward management untuk 2. Manage plans and reward management activities for the
Dewan Komisaris Board of Commissioners
a. Pengelolaan administrasi penghasilan, tunjangan dan a. Managing the administration of income, benefits and
fasilitas bagi Dewan Komisaris facilities for the Board of Commissioners
b. Pengelolaan administrasi remunerasi dan fasilitas anggota b. Management of remuneration administration and facilities
Komite Dewan Komisaris of Committee members of the Board of Commissioner
c. Laporan administrasi remunerasi Dewan Komisaris dan c. Report on the remuneration administration of the
anggota Komite Dewan Komisaris Board of Commissioners and members of the Board of
Commissioners Committee
3. Mengelola kegiatan kesekretariatan perusahaan untuk 3. Managing corporate secretarial activities for the Board of
Dewan Komisaris Commissioners
a. Strategi dan rencana pengelolaan kegiatan kesekretariatan a. Strategy and plan for managing the Board of
Dewan Komisaris Commissioners’ secretarial activities.
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b. Laporan aktivitas kesekretariatan dan protokoler Dewan b. Secretariat and protocol report of the Board of
Komisaris dan/atau Komite (monitoring dan evaluasi) Commissioners and/or Committee (monitoring and
evaluation).
c. Laporan kegiatan Dewan Komisaris dan/atau Komite c. Report on the activities of the Board of Commissioners
(monitoring dan evaluasi) and/ or Committee (monitoring and evaluation).
d. Laporan atas notula rapat Dewan Komisaris dan/atau d. Report on minutes of meetings of the Board of
rapat Komite Dewan Komisaris (monitoring dan evaluasi) Commissioners and/or Committee meetings (monitoring
and evaluation)
Profil Sekretaris Dewan Komisaris Board of Commissioners’ Secretary Profile
Sekretaris Dewan Komisaris dijabat oleh Kenny Noviany The Secretary of the Board of Commissioners is held by Kenny
Djaenudin. Beliau menjabat sebagai Sekretaris Dewan Komisaris Noviany Djaenudin. She has served as Secretary to the Board of
sejak 3 Agustus 2021 berdasarkan Surat Keputusan Direksi Nomor Commissioners since August 3, 2021 based on the Decree of the
0544/SK/DIR-HCA/2021. Board of Directors Number 0544/SK/DIR-HCA/2021.
Kenny Noviany Djaenudin
Sekretaris Dewan Komisaris /
Board of Commissioners Secretary
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung, 14 November 1984, saat ini berusia 39 tahun. Born in Bandung, November 14, 1984, currently 39 years old.
Riwayat Pendidikan Educational Background
Sarjana di bidang Ekonomi dari Universitas Padjadjaran Bandung tahun 2008 Bachelor in Economics from Padjadjaran University Bandung in 2008
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Direksi Nomor 0544/SK/DIR-HCA/2021 Board of Directors Decree Number 0544/SK/DIR-HCA/2021
Pengalaman Kerja Work Experience
Bergabung di Perseroan sejak 2010 dan menempati berbagai posisi jabatan Joined the Company from 2010 and held various positions, including:
antara lain:
- Officer Kesekretariatan Dewan Komisaris 2015 – 2019 - Secretariat Officer of the Board of Commissioners 2015 – 2019
- Manager Kesekretariatan Dewan Komisaris 2019 – 2021 - Secretariat Manager of the Board of Commissioners 2019 – 2021
- Pemimpin Grup Kesekretariatan Dewan Komisaris 2021 – saat ini - Head of the secretariat group of the Board of Commissioners 2021 –
present
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 dari Lembaga Sertifikasi Profesi Level 2 Risk Management Certification from the Banking Professional
Perbankan (LSPP) Certification Institute (LSPP)
Pengembangan Kompetensi Sekretaris Dewan Competence Development of Secretary Board
Komisaris of Commissioners Competencies
Materi Pengembangan Kompetensi/Pelatihan Waktu dan Tempat Pelaksanaan Penyelenggara
Competency Development/Training Materials Implementation Time and Place Organizer
Webinar BPD Sharing Corner Kutak Katik Ekosistem Digital Bandung, 10 Maret 2023 LPPI (Lembaga Pengembangan Perbankan
BPD Bandung, March 10, 2023 Indonesia)
BPD Sharing Corner Webinar Kutak Katik BPD Digital
Ecosystem
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 739
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Materi Pengembangan Kompetensi/Pelatihan Waktu dan Tempat Pelaksanaan Penyelenggara
Competency Development/Training Materials Implementation Time and Place Organizer
Kegiatan Pemeliharaan/Refreshment Sertifikasi Manajemen Bandung, 17 Maret 2023 TD Consultant
Risiko Batch 2 & Batch 3 Tahun 2023 (Inhouse Training Bandung, March 17, 2023
Daring)
Maintenance/Refreshment Activities for Risk Management
Certification Batch 2 & Batch 3 in 2023 (Inhouse Online
Training)
Pengenalan Digital Bandung, 16 Juni 2023 bjb University
Digital Introduction Bandung, June 16, 2023
Forum Leadership Direktur Utama dan Komisaris Utama Lombok, 07 - 08 Juli 2023 FKDK BPDSI
BPDSI Lombok, July 07 - 08, 2023
BPDSI President Director and Main Commissioner
Leadership Forum
Workshop and Refreshment Sertifikasi Manajemen Risiko : Jakarta, 22 - 23 November 2023 PT Sinergi Indonesia Pintar
Stress Test Operational and Bank Risk Management Jakarta, November 22 – 23, 2023
Risk Management Certification Workshop and
Refreshment: Operational Stress Test and Bank Risk
Management
Pelaksanaan Tugas Sekretaris Dewan Komisaris The Implementation of the Secretary of the
Board of Commissioners
Sepanjang tahun 2023, Sekretaris Dewan Komisaris telah During 2023, the Secretary of the Board of Commissioners carried
melaksanakan kegiatan sebagai berikut. out the following activities.
1. Mengkoordinasikan kegiatan rapat Dewan Komisaris dan 1. Coordinate the meetings of the Board of Commissioners and
Komite di bawah Dewan Komisaris. Committees under the Board of Commissioners.
2. Menjalankan fungsi sebagai notulis rapat/meeting Dewan 2. Performs the function of meeting minutes for meetings of the
Komisaris dan Komite di bawah Dewan Komisaris. Board of Commissioners and Committees under the Board of
Commissioners.
3. Berkoordinasi dengan Divisi terkait untuk membuat dan 3. Coordinate with related divisions to make and ensure the
memastikan tersedianya materi, data, informasi yang availability of material, data, information needed by the Board
diperlukan Dewan Komisaris untuk kegiatan Rapat. of Commissioners for the Meeting.
4. Melaksanakan fungsi advisory dalam membantu Dewan 4. Carrying out advisory functions in assisting the Board of
Komisaris dan Komite dalam menjalankan tugas dan Commissioners and Committees in carrying out their duties
tanggung jawabnya. and responsibilities.
5. Mengelola laporan khusus pelaksanaan tugas Dewan 5. Manage special reports on the implementation of the duties
Komisaris kepada lembaga ekstern. of the Board of Commissioners to external institutions.
6. Mengkoordinasikan kegiatan protokoler dewan komisaris 6. Coordinate board of commissioners protocol activities for
untuk acara internal dan eksternal bank bjb. bank bjb internal and external events.
7. Membantu Dewan Komisaris dan Komite di bawah Dewan 7. Assist the Board of Commissioners and Committees under
Komisaris dalam penyusunan Pedoman dan Tata Tertib Kerja the Board of Commissioners in preparing the Work Guidelines
serta Program Kerja. and Rules of Procedure.
8. Membantu dan memastikan pelaksanaan tugas komite 8. Assist and ensure the implementation of the duties of the
- komite di bawah Dewan Komisaris dalam pelaksanaan committees under the Board of Commissioners in carrying
tugasnya sesuai dengan Pedoman dan Tata Tertib Kerja serta out their duties in accordance with the Guidelines and Work
Program Kerja yang telah ditetapkan. Orders and Work Programs that have been determined.
Komite Audit Audit Committee
Komite Audit merupakan alat kelengkapan Dewan Komisaris The Audit Committee is a complete tool of the Board of
yang berfungsi untuk melakukan pengawasan atas efektivitas Commissioners whose function is to oversee the effectiveness of
sistem pengendalian internal, internal audit dan proses pelaporan the internal control system, internal audit and financial reporting
keuangan. Fungsi utama Komite Audit adalah membantu Dewan processes. The main function of the Audit Committee is to
Komisaris memenuhi tugas dan tanggung jawabnya dengan assist the Board of Commissioners in fulfilling their duties and
menelaah laporan keuangan dan informasi keuangan lainnya responsibilities by reviewing financial reports and other financial
sebelum diberikan Bank kepada stakeholders serta menelaah information before the Bank provides it to stakeholders and
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sistem pengendalian internal bank, dan efektivitas fungsi audit reviews the bank’s internal control system, and the effectiveness
intern. of the internal audit function.
Dasar Pembentukan Komite Audit Basic Formation of Audit Committees
Dasar pembentukan Komite Audit Perseroan mengacu pada The basis for forming the Company’s Audit Committee refers to
Peraturan Otoritas Jasa Keuangan Nomor 55/POJK.04/2015 the OJK Regulations Number 55/ POJK.04/2015 concerning the
tentang Pembentukan dan Pedoman Pelaksanaan Kerja Komite Formation and Guidelines for the Implementation of the Audit
Audit. Komite Audit merupakan alat kelengkapan Dewan Committee’s Work. The Audit Committee is a complete tool of
Komisaris yang berfungsi untuk melakukan pengawasan atas the Board of Commissioners whose function is to supervise the
efektivitas sistem pengendalian intern, internal audit, proses effectiveness of the internal control system, internal audit, financial
pelaporan keuangan, sehingga Bank dapat dikelola berdasarkan reporting process, so that the Bank can be managed based on
prinsip-prinsip transparansi, akuntabilitas, pertanggungjawaban, the principles of transparency, accountability, responsibility,
independensi dan kewajaran. independence and fairness.
Pembentukan Komite Audit Perseroan juga berpedoman pada The establishment of the Company’s Audit Committee is also
ketentuan sebagai berikut: guided by the following provisions:
1. Peraturan Otoritas Jasa Keuangan (POJK) Nomor 55/ 1. OJK Regulations Number 55/ POJK.04/2015 December
POJK.04/2015 Tanggal 25 Desember 2015 tentang 25, 2015 about the Formation and Guidelines for the
Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit. Implementation of the Audit Committee’s Work.
2. Peraturan Otoritas Jasa Keuangan Nomor 17 Tahun 2023 2. Financial Services Authority Regulation Number 17 of 2023
tentang Penerapan Tata Kelola Bagi Bank Umum. concerning Implementation of Governance for Commercial
Banks.
3. Surat Keputusan Dewan Komisaris PT Bank Pembangunan 3. Decree of the Board of Commissioners of PT Bank
Daerah Jawa Barat dan Banten, Tbk. Nomor 05/SK/ Pembangunan Daerah Jawa Barat and Banten, Tbk. Number
DK/2005 tanggal 17 Mei 2005 Tentang Pembentukan Komite 05/SK/DK/2005 on May 17, 2005 about the Establishment of
Audit PT. BANK JABAR. the Audit Committee of PT BANK JABAR.
4. Surat Keputusan Dewan Komisaris Nomor 01/SK/DKO/2021 4. Decree of the Board of Commissioners Number 01/SK/
tanggal 07 April 2021 tentang Pembagian Tugas dan DKO/2021 dated April 07, 2021 concerning the Division of
Pelaksanaan Jadwal Kegiatan Dewan Komisaris serta Komite Duties and Implementation of the Schedule of Activities of the
– komite. Board of Commissioners and Committees.
5. Surat Keputusan Dewan Komisaris Nomor 06/SK/DKO/2022 5. Decree of the Board of Commissioners Number 06/SK/
tanggal 4 November 2022 tentang Pembagian Tugas dan DKO/2022 dated November 4, 2022, concerning the Division
Pelaksanaan Jadwal Kegiatan Dewan Komisaris serta Komite of Duties and Implementation of the Activity Schedule of the
– komite sebagaimana telah diubah berdasarkan Surat Board of Commissioners and Committees as amended based
Keputusan Dewan Komisaris Nomor 04/SK/DKO/2023 tanggal on Decree of the Board of Commissioners Number 04/SK/
22 Agustus 2023 tentang Pembagian Tugas dan Pelaksanaan DKO/2023 dated August 22, 2023 concerning the Division of
Jadwal Kegiatan Dewan Komisaris serta Komite – komite. Duties and Implementation of the Activity Schedule for the
Board of Commissioners and Committees.
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of The Audit
Committee
1. Pengawasan Terhadap Proses Pelaporan Keuangan 1. Supervision of the Financial Reporting Process
Komite audit bertugas melakukan pengawasan terhadap The audit committee was in charge of supervising the process
proses pembuatan Laporan Keuangan Bank. Dalam kaitannya of preparing Bank Financial Statements. In this regard, the
dengan hal tersebut, Komite Audit: Audit Committee:
a. Memantau proses pelaporan keuangan untuk memastikan a. Monitoring the financial reporting process to ensure its
terpenuhinya standar dan kebijakan akuntansi yang compliance with applicable accounting standards and
berlaku. policies.
b. Melakukan evaluasi atas informasi keuangan yang akan b. Evaluating financial information that will be issued by the
dikeluarkan oleh Bank seperti laporan keuangan, proyeksi Bank such as financial statements, projections and other
dan informasi keuangan lainnya. financial information.
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c. Memeriksa ulang laporan keuangan apakah sudah sesuai c. Re-checking the financial reports from the Audit
dengan standar akuntansi yang berlaku serta apakah Committee members by adjusting the applicable
sudah konsisten dengan informasi lain yang diketahui accounting standards and making it consistent with other
oleh anggota Komite Audit secara bulanan, triwulanan information monthly, quarterly and annually.
dan tahunan.
d. Melakukan pemantauan atas penetapan metode d. Monitoring the determination of assessment methods for
penilaian aktiva dan pasiva, komitmen dan kontijensi active and pasiva methods, commitments, contingencies
serta cadangan-cadangan yang harus dibentuk. and reserves that must be created.
e. Melakukan pemantauan atas pos-pos laporan keuangan e. Monitoring financial statement items that contain
yang mengandung transaksi-transaksi yang kompleks complex and unusual transactions.
dan tidak lazim.
f. Menilai kecukupan pengungkapan transaksi dengan f. Assessing the adequacy of transaction disclosures with
pihak terkait. related parties.
g. Menilai dan memberikan rekomendasi kepada Dewan g. Assessing and providing recommendations to the Board
Komisaris terhadap saran yang diajukan oleh Auditor of Commissioners based on from External Auditors,
Eksternal, Direksi dan Auditor Internal jika terdapat Directors and Internal Auditors if there are changes in the
perubahan dalam ruang lingkup audit serta prinsip dan scope of the audit as well as accounting principles and
standar akuntansi. standards.
h. Komite Audit mengkomunikasikan kepada Auditor h. Communicating to External Auditors, Directors and
Eksternal, Direksi dan Auditor Internal bila menghadapi Internal Auditors when faced with different interpretations
penafsiran yang berbeda maupun sesuatu hal yang tidak or inconsistent items.
konsisten.
2. Seleksi dan Penunjukkan Kantor Akuntan Publik (KAP) 2. Selection and Appointment of Public Accounting Firm
serta Pengawasan Pekerjaannya and Supervision Work
Komite Audit dalam memberikan rekomendasi kepada Dewan The Audit Committee in providing recommendations to the
Komisaris mengenai Kantor Akuntan Publik (KAP) yang akan Board of Commissioners regarding the Public Accounting
melakukan audit tahunan sebagai Auditor Eksternal sekurang- Firm which conduct an annual audit in which External Auditor
kurangnya melakukan, sebagai berikut: conduct the following minimum actions:
a. Menyeleksi dan merekomendasikan penunjukan KAP a. Selecting and recommending the appointment of Public
sebagai Auditor Eksternal. Accounting Firm as an External Auditor.
1) Komite Audit menyeleksi dan merekomendasikan 1) The Audit Committee selects and recommends
calon KAP yang akan melakukan audit Laporan Public Accounting Firm candidates who will audit
Keuangan Tahunan Bank kepada Dewan Komisaris. the Bank’s Annual Financial Report to the Board of
Commissioners.
2) Proses seleksi dan penunjukkan KAP berpedoman 2) The process of selecting and appointing Public
pada peraturan yang berlaku. Accounting Firm referring to applicable regulations.
3) Komite Audit dapat merekomendasikan untuk 3) The Audit Committee may recommend termination
pemutusan hubungan kerja dengan auditor eksternal of employment with external auditors to the Board
kepada Dewan Komisaris jika terdapat indikasi kuat f Commissioners if there are strong indications that
bahwa independensi auditor dapat terganggu atau auditor independence can be disrupted or proven
terbukti bahwa auditor tidak melakukan pemeriksaan that the auditor has not conducted audits in line with
sesuai dengan Standar Profesional Akuntan Publik. the Professional Standards of Public Accountants.
b. Mengawasi pekerjaan Auditor Eksternal b. Supervising External Audit Works
1) Melakukan evaluasi terhadap Rencana Audit 1) Evaluating the Audit Plan and the adequacy of the
dan kecukupan program audit serta melakukan audit program and supervise the work of the External
pengawasan atas pekerjaan Auditor Eksternal serta Auditor and monitor the follow-up of the audit results
pemantauan atas tindak lanjut hasil audit dalam in order to assess the adequacy of internal control
rangka menilai kecukupan pengendalian internal including the adequacy of the financial reporting
termasuk kecukupan proses pelaporan keuangan. process.
2) Terlibat dalam dan/atau menerima laporan atas 2) Being involved and/or received a report on the
pembahasan temuan audit yang dilakukan oleh discussion of audit findings from the External
Auditor Eksternal dengan manajemen serta membuat Auditor and management and made a written report
laporan tertulis mengenai adanya perbedaan regarding differences of opinion between the auditor
pendapat antara auditor dengan manajemen yang and management that need the attention of the
perlu mendapat perhatian Dewan Komisaris. Board of Commissioners.
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3) Dalam rangka melaksanakan tugas tersebut di 3) In order to perform the above-mentioned tasks, it at
atas, Komite Audit sekurang-kurangnya melakukan least conducts monitoring and evaluation towards:
pemantauan dan evaluasi terhadap: a) Suitability of the audit implementation by
a) Kesesuaian pelaksanaan audit oleh Kantor the Public Accountant office with applicable
Akuntan Publik dengan standar yang berlaku standards.
b) Kesesuaian laporan keuangan dengan standar b) Compliance of financial statements with
akuntansi yang berlaku applicable accounting standards.
c) Pelaksanaan tindak lanjut oleh Direksi atas hasil c) Follow-up actions by the Directors on the findings
temuan Auditor Eksternal sebagai rekomendasi of the External Auditor as a recommendation for
untuk Dewan Komisaris. the Board of Commissioners.
d) Memberi masukan kepada Auditor Eksternal agar d) Input provision to the External Auditor to identify
mengidentifikasikan area-area berisiko tinggi. high-risk areas.
e) Berkonsultasi dengan Auditor Eksternal tanpa e) Consultation with the External Auditor without
kehadiran manajemen tentang pengendalian the presence of management of internal
internal berkenaan dengan identifikasi control regarding the identification of possible
kemungkinan adanya kelemahan pengendalian weaknesses in internal control, as well as the
internal, serta pemenuhan dan ketepatan laporan completion and accuracy of the Bank’s financial
keuangan Bank. reports.
f) Memastikan agar Auditor Eksternal, dalam f) Conducting general audits with the External
kaitannya dengan pelaksanaan audit umum Auditor by communicating the following:
(general audit) mengkomunikasikan hal-hal
berikut:
• Tingkat tanggung jawab auditor terhadap • The auditor’s responsibility level for internal
pengendalian internal dalam penyajian control in presenting financial reports.
laporan keuangan.
• Perubahan kebijakan akuntansi yang • Significant changes in accounting policies.
signifikan.
• Kelemahan signifikan dalam disain dan • Significant weaknesses in the design and
penerapan pengendalian internal. implementation of internal controls.
• Metode pencatatan, pelaporan dan dampak • The method of recording, reporting and
dari transaksi luar biasa yang signifikan the impact of significant extraordinary
terhadap laporan keuangan. transactions on the financial statements.
• Adanya Fraud ataupun indikasi Fraud serta • Fraud or indications of Fraud as well
penyimpangan terhadap peraturan dan as deviations from applicable laws and
perundang-undangan yang berlaku, yang regulations done by management or
dilakukan oleh manajemen atau pegawai employees that negatively impact on the
yang berdampak salah saji material dalam financial statements.
laporan keuangan.
• Koreksi audit yang signifikan. • Significant audit corrections.
• Prosedur yang dilaksanakan oleh auditor • Procedures performed by the auditor on
terhadap laporan tahunan yang berisi annual reports containing audited financial
laporan keuangan audit-an. statements
• Ketidaksepakatan dengan manajemen • Disagreement with management regarding
tentang penerapan standar akuntansi, the application of accounting standards, the
lingkup audit, pengungkapan dalam laporan scope of the audit, disclosures in the financial
keuangan dan kata-kata yang digunakan statements and words used by the auditor in
auditor dalam laporan auditnya. the audit report.
• Adanya perbedaan pendapat antara • Any differences in opinion between
manajemen dengan auditor eksternal untuk management and external auditors to
melakukan konsultasi dengan Auditor conduct consultations with other External
Eksternal lainnya. Auditors.
• Hambatan dalam pelaksanaan audit. • Obstacles in conducting audits.
4) Melakukan kajian bersama Komisaris, Direksi serta 4) Conducts joint studies with Commissioners, Directors
Auditor Eksternal mengenai: and External Auditors regarding:
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a) Laporan Keuangan Tahunan Bank beserta catatan a) The Bank’s Annual Financial Reports along
atas laporan keuangan sebelum dipublikasikan. with notes to the financial statements before
published.
b) Laporan audit dari Auditor Eksternal mengenai b) Audit report from the External Auditor regarding
Laporan Keuangan Tahunan Bank dan pendapat the Bank’s Annual Financial Report as well as
serta saran dari Auditor Eksternal. opinions and suggestions from the External
Auditor.
c)Temuan penting dan rekomendasi yang dibuat c) Important findings and recommendations made
oleh Auditor Eksternal serta memonitor tindak by the External Auditor and the follow-up by
lanjut atas rekomendasi tersebut oleh Direksi dan the Directors and management from those
manajemen. recommendations.
d) Mengkaji surat representasi yang ditandatangani d) Reviewing the representation letter signed by
oleh Direksi, serta meyakinkan tidak adanya the Directors, and making sure there are no
kesulitan dalam memperoleh surat tersebut difficulties in obtaining the letter and the specific
dan juga hal-hal spesifik yang ditemui dalam details encountered during the assignment.
penugasan.
e) Menilai pendapat Auditor Eksternal tentang e) Assessing the opinion of the External Auditor
kualitas dan ketepatan penerapan Standar about the quality and accuracy of the application
Akuntansi Keuangan yang berlaku bagi of Financial Accounting Standards.
perbankan.
5) Komite Audit melakukan evaluasi terhadap 5) The Audit Committee evaluates the External
Auditor Eksternal mengenai kualifikasi, kinerja dan Auditor regarding the qualifications, performance
independensi atas Partner Audit dari KAP serta and independence of the Audit Partners from the
auditor yang ditugaskan untuk melakukan audit assigned Public Accounting office and the auditors
keuangan, menerima masukan dari manajemen serta and receives input from management and the Internal
Satuan Kerja Audit Internal atas pekerjaan Auditor Audit Work Unit on the work of the External Auditor.
Eksternal tersebut.
6) Berdiskusi dengan Dewan Komisaris dan Direksi serta 6) Discussing with the Board of Commissioners
Auditor Eksternal untuk mendapatkan pengertian and Directors and External Auditors to get an
atas pertimbangan yang digunakan dalam understanding of determining accounting standards
menentukan standar akuntansi beserta aplikasinya. and their applications.
7) Memastikan adanya pengungkapan yang memadai 7) Ensuring adequate disclosure of accounting
terhadap standar akuntansi. standards.
3. Evaluasi Jasa Non-Audit 3. Evaluation of Non-Audit service
Untuk menjaga independensi Auditor Eksternal, Komite To maintain the independence of the External Auditor, the
Audit wajib melakukan evaluasi sebelum memberikan Audit Committee must conduct an evaluation before giving
persetujuan awal (pre-approval) terhadap jasa non-audit pre-approval to non-audit services that will be assigned to
yang akan ditugaskan kepada Auditor Eksternal yang the External Auditor. Non-audit services that can interfere its
sedang melaksanakan jasa audit. Jasa-jasa non-audit yang independence are:
mengganggu independensi adalah:
a. Jasa pembukuan atau jasa-jasa lain yang berhubungan a. Bookkeeping services or other services related to
dengan catatan akuntansi atau laporan keuangan Bank. accounting records or financial reports of the Bank.
b. Jasa disain dan implementasi sistem informasi keuangan b. Design and implementation of financial information
systems.
c. Jasa penilaian atau jasa untuk memberikan opini atas c. Assessment services or services to provide an opinion on
kewajaran fairness.
d. Jasa aktuaria d. Actuarial services.
e. Jasa outsourcing internal audit e. Internal audit outsourcing services.
f. Jasa fungsi manajemen atau sumber daya manusia f. Management functions or human resources services.
g. Jasa perantara g. Intermediary services.
h. Jasa layanan hukum dan jasa keahlian yang tidak h. Legal services and expert services not related to auditing.
berkaitan dengan audit
i. Jasa konsultasi perpajakan i. Tax consulting services.
j. Jasa lain berdasarkan perundang-undangan yang berlaku j. Other services based on applicable laws and Bank
dan peraturan Bank Indonesia. Indonesia regulations.
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Langkah-langkah yang harus dilaksanakan Manajemen Bank The steps that must be carried out by Bank Management to
untuk mendapatkan persetujuan awal (pre-approval) adalah obtain pre-approval are as follows:
sebagai berikut:
a. Direksi, menyampaikan kepada Dewan Komisaris uraian a. Directors convey the detailed descriptions of the types of
rinci mengenai jenis jasa dan pekerjaan yang akan services and tasks to the Board of Commissioners to be
ditugaskan kepada KAP. assigned to Public Accountants Firm.
b. Komite Audit mengevaluasi dan menganalisis jasa non- b. Audit Committee evaluates and analyses non-audit services
audit yang akan ditugaskan kepada KAP agar tidak that will be assigned to the Public Accountants Firm to
mengganggu independensi atau menimbulkan benturan guarantee its independence or to avoid conflicts of interest.
kepentingan.
c. Komite Audit hanya dapat menyetujui pemberian c. Audit Committee will approve the provision of nonaudit
jasa non-audit tersebut apabila hasil evaluasi tidak services if the evaluation results do not indicate any
menunjukkan adanya gangguan dalam hal independensi interferences in case of independence or conflict of interest.
atau menimbulkan benturan kepentingan.
Pre-approval terhadap jasa non-audit ini dapat dikecualikan, Pre-approval of non-audit services can be excluded if the value of
jika nilai seluruh jasa non-audit tidak lebih dari 5% dari total all non-audit services is less than 5% (five percent) from the total
nilai biaya audit yang dibayarkan Bank kepada KAP dalam audit fees paid by the Bank to the Public Accountants Firm in the
tahun fiskal di mana jasa non-audit diberikan. Financial Year of the provision of non-audit services.
4. Pengawasan Pengendalian Internal 4. Internal Control Supervision
Komite Audit dan Satuan Kerja Audit Internal melakukan Audit Committee and Internal Audit Unit supervise the Bank
pengawasan atas operasional Bank sesuai dengan fungsi operations to follow Bank Indonesia regulations, as well as
masing-masing agar tidak melanggar peraturan Bank applicable regulations and laws. The supervision include at
Indonesia, peraturan dan perundang-undangan yang berlaku. least:
Pengawasan tersebut sekurang-kurangnya meliputi:
a. Komite Audit mendapatkan laporan audit internal secara a. Audit Committee receives periodic internal audit reports
berkala dari Satuan Kerja Audit Internal sebagai masukan from the Internal Audit Unit as inputs to identify possible
untuk mengidentifikasi kemungkinan adanya kelemahan weaknesses of internal control.
pengendalian internal.
b. Dalam rangka meningkatkan efektivitas pengendalian b. Audit Committee can provide suggestions to Bank
internal, Komite Audit dapat memberikan masukan Management to improve the effectiveness of the internal
kepada Manajemen Bank, melalui Dewan Komisaris, control through the Board of Commissioners. The
saran tersebut berkenaan dengan peningkatan kinerja suggestionsaim at improving the performance of the
Satuan Kerja Audit Internal. Internal Audit Unit.
c. Mengkaji dan memberikan masukan kepada Dewan c. Review and provide inputs to the Board of Commissioners
Komisaris atas Rencana Kerja Tahunan Audit Internal, on Annual Internal Audit Planincluding the Audit scope,
termasuk ruang lingkup Audit, serta untuk memastikan and ensure that the Internal Audit Annual Work Plan has
bahwa Rencana Kerja Tahunan Audit Internal tersebut covered the Bank’s overall operational risks.
sudah mencakup risiko operasional Bank secara
Keseluruhan.
d. Setiap awal tahun, Komite Audit mengevaluasi Program d. Audit Committee evaluates the Annual Audit Work
Kerja Audit tahunan yang disusun oleh Satuan Kerja Audit Program prepared by the Internal Audit Unit and scope
Internal serta ruang lingkup audit, dan merekomendasikan of the audit and makes recommendations based on the
hasil evaluasinya kepada Dewan Komisaris. evaluation results to the Board of Commissioners.
e. Mengkaji dan memberikan pertimbangan kepada Dewan e. Review and give consideration to the Board of
Komisaris atas kesulitan dan hambatan yang dihadapi Commissioners on the difficulties and obstacles faced
Audit Internal dalam melaksanakan tugasnya, termasuk by Internal Audit in performing their duties including
hambatan atas lingkup kerja audit dan/atau hambatan obstacles of audit works and/or barriers to access the
akses untuk mendapatkan informasi yang diperlukan. required information.
f. Komite Audit harus berkoordinasi dengan Satuan Kerja f. Audit Committee must coordinate with the Internal Audit
Audit Internal untuk; Work Unit in order to;
1) Mengadakan pertemuan reguler dalam rangka 1) Hold regular meetings to discuss findings and/or
membahas temuan dan/atau hal-hal lain yang other matters that contain indications regarding
mengandung indikasi mengenai kelemahan weaknesses of internal control and errors of
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pengendalian internal, serta kekeliruan penerapan accounting standards application, as well as monitor
standar akuntansi termasuk melakukan pemantauan Bank Management in following up on these findings.
tindak lanjut Manajemen Bank atas temuan tersebut.
2) Membahas tanggapan Manajemen Bank atas temuan 2) Discuss Bank Management’s response toward
signifikan dalam operasional bank serta rekomendasi significant findings of bank operations and
yang diberikan oleh Satuan Kerja Audit Internal recommendations from the Internal Audit Unit.
terhadap temuan tersebut.
3) Secara tahunan melakukan pemantauan terhadap 3) Monitor annually the professional code of ethics, as
kode etik profesi, mengevaluasi kegiatan, struktur well as evaluate activities, organizational structure,
organisasi dan kualifikasi anggota audit internal. and qualifications of internal audit members.
4) Memperluas evaluasi untuk menilai sifat, lingkup, 4) Expand the evaluation to assess the nature, scope,
besaran dan dampak dari kelemahan signifikan magnitude, and impact of significant weaknesses in
pengendalian internal serta pengaruhnya terhadap internal control and financial reports.
laporan keuangan.
g. Melakukan penilaian efektivitas dan independensi g. Assess the effectiveness and independence of the Internal
Satuan Kerja Audit Internal serta melakukan evaluasi atas Audit Unit and evaluate routine activities, placement of
aktivitas-aktivitas rutin, penempatan auditor internal, dan internal auditors, and the organizational structure of the
struktur organisasi Satuan Kerja Audit Internal. Internal Audit Unit.
h. Merekomendasikan kepada Dewan Komisaris tentang; h. Provide recommendations to the Board of Commissioners
regarding;
1) Perubahan signifikan dalam lingkup kerja audit dari 1) Significant changes in the scope of audit work from
rencana semula, termasuk sumber daya manusia dan the original plan including human resources and
anggaran Audit Internal Internal Audit budget.
2) Pemutakhiran Pedoman Kerja Komite Audit 2) Updating guidelines of the Audit Committee works.
3) Kepatuhan terhadap Pedoman Kerja Komite Audit 3) Compliance towards Audit Committee Working
Guidelines
i. Komite Audit atas permintaan Dewan Komisaris i. Audit Committee upon request from the Board of
dapat merekomendasikan tentang pengangkatan dan Commissioners can recommend the appointment and
pemberhentian Pemimpin Satuan Kerja Audit Internal. dismissal of the Head of the Internal Audit Work Unit.
5. Pengawasan Kepatuhan Terhadap Peraturan dan 5. Compliance Supervision towards Laws and Regulations
Perundang-undangan
Komite Audit dan Satuan Kerja Kepatuhan dan Hukum Audit Committee along with Compliance and Legal Work
sesuai dengan fungsinya masing-masing bertugas untuk Unit based on their respective function to monitor Bank’s
memantau kepatuhan operasional Bank terhadap Peraturan operational compliance towards applicable laws and
dan Perundang-undangan yang berlaku, sekurang-kurangnya regulations at least:
meliputi:
a. Pemantauan dapat dilakukan melalui evaluasi atas a. Monitoring can be done through evaluation of findings,
temuan, pelaporan atau hasil pemeriksaan yang dilakukan report or the result of examinations conducted by Financial
oleh Otoritas Jasa Keuangan, auditor eksternal, satuan Services Authority, External Auditors, Compliance Work
kerja Kepatuhan, Satuan Kerja Audit Intern, satuan kerja Units, Internal Audit Work Unit, Risk Management Work
Manajemen Risiko/Komite Manajemen Risiko. Unit/Committee.
b. Apabila terdapat indikasi kuat bahwa telah terjadi b. If there are strong indications of violation from applicable
pelanggaran terhadap peraturan dan perundang- laws and regulations that have occurred, the Audit
undangan yang berlaku, Komite Audit harus melaporkan Committee must report to the Board of Commissioners
kepada Dewan Komisaris dan mengusulkan diadakannya and propose such investigation.
investigasi.
6. Penelaahan Pengaduan Pihak Ketiga 6. Reviewing Complaints from Third Parties
Komite Audit tidak hanya menerima informasi yang berasal Audit Committee not only receives information from its
dari pelaksanaan tugas-tugas rutinnya, akan tetapi juga routine tasks but also complaints from the third parties
menerima pengaduan pihak ketiga mengenai akuntansi, regarding accounting, internal control and fraud that can
pengendalian internal dan fraud yang dapat mengganggu hider Bank operations.
operasi Bank.
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a. Syarat pengaduan yang dapat diproses lebih lanjut: a. The requirements for complaints that can be further
1) Pengaduan disampaikan secara tertulis. processed:
2) Terdapat alibi dan permasalahan yang jelas atas 1) Complaints that are submitted in written forms.
pengaduan yang dibuat. 2) Clear alibis and problems exist in the complaints.
b. Penelaahan Pengaduan b. Reviewing Complaints
Dalam menangani pengaduan yang disampaikan oleh In handling complaints submitted by third parties, the
pihak ketiga, Komite Audit dapat meminta audit internal Audit Committee may request an Internal Audit Unit to
untuk menindaklanjutinya. make follow-up actions.
c. Hasil Penelaahan c. Review results
Jika dari hasil penelaahan, terbukti bahwa pengaduan If the review results from the complaints submitted by the
yang disampaikan oleh pihak ketiga ternyata benar: third parties are proven true:
1) Komite Audit meneruskan hasil penelaahan kepada 1) Audit Committee conveys the review results to the
Dewan Komisaris. Board of Commissioners.
2) Komite Audit memantau tindak lanjut dari hasil 2) Audit Committee monitors the followup actions if
penelaahan, jika diminta oleh Dewan Komisaris. requested by the Board of Commissioners.
7. Pelaksanaan Tugas Terkait Pelaksanaan Tata kelola Dana 7. Implementation of Duties Related to the Implementation
Pensiun of Pension Fund Governance
Dalam hal pelaksanaan tata kelola dana pensiun, Komite Audit In terms of implementing pension fund governance, the
mempunyai tugas dan tanggung jawab sebagai fasilitator Audit Committee had the duties and responsibilities as a
bagi Dewan Pengawas (dalam hal ini Dewan Komisaris bank facilitator for the Supervisory Board (in this case the Board of
bjb) untuk memastikan bahwa: Commissioners of bank bjb) to ensure that:
a. Struktur pengendalian internal dana pensiun telah a. The structure of internal control of pension funds had
dilaksanakan dengan baik been implemented properly.
b. Pelaksanaan audit internal maupun audit eksternal telah b. The implementation of internal audits and external
dilaksanakan sesuai dengan ketentuan yang berlaku audits had been carried out in accordance with
applicable regulations.
c. Tindak lanjut temuan hasil audit dilaksanakan oleh c. Follow up of audit findings was carried out by
manajemen management
8. Pelaksanaan Tugas Khusus 8. Implementation of Special Duties
Tugas khusus merupakan tugas di luar rutin sebagaimana It covers tasks beyond routine activities as instructed by the
diperintahkan oleh Dewan Komisaris, dengan memberikan Board of Commissioners through an assignment letter to the
surat penugasan kepada Komite Audit. Audit Committee.
a. Dewan Komisaris memberikan tugas khusus, karena: a. Board of Commissioners gives special duties under the
following circumstances:
1) terdapat indikasi adanya ketidakpatuhan terhadap 1) There are indications of non-compliance towards
peraturan dan perundang-undangan yang berlaku applicable laws and regulations so that the
sehingga Komite Audit, dengan persetujuan Audit Committee with approval of the Board of
Dewan Komisaris, memperluas evaluasi dengan Commissioners expands the evaluation by conducting
melaksanakan Audit Investigasi untuk menentukan an Investigative Audit to determine the impact and
dampak dan besarnya kerugian akibat pelanggaran the number of losses due to the violation. To carry
tersebut. Untuk melaksanakan audit investigasi out the audit investigation, the Audit Committee may
tersebut, Komite Audit dapat meminta bantuan pihak request assistance from the Internal Audit Work Unit
Satuan Kerja Audit Internal atau auditor eksternal. or external auditor.
2) terdapat laporan/pengaduan pihak ketiga yang 2) There are reports/complaints from third parties
mengindikasikan adanya ketidakpatuhan dan/atau indicating non-compliance and/ or fraud.
kecurangan.
b. Pelaksanaan tugas khusus Komite Audit antara lain dapat: b. Audit Committee’s specific duties may include the
following:
1) Melakukan evaluasi terhadap semua pencatatan 1) Evaluate all records including the minutes of Directors
termasuk didalamnya risalah rapat Direksi dan risalah ‘meeting and Board of Commissioners’ meeting,
rapat Dewan Komisaris, dokumentasi serta informasi documentation and other necessary information.
lainnya yang diperlukan.
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2) Mengajukan pertanyaan kepada Direksi dan stafnya, 2) Asking questions to Directors and staff, then the
yang hasilnya dituangkan dalam Berita Acara Tanya results of which are set forth in the Minutes of
Jawab yang ditandatangani oleh kedua belah pihak. Question and Answer signed by both parties.
3) Jika dianggap perlu, melakukan audit investigasi 3) If necessary, conducting an investigative audit in
yang dilaksanakan bekerjasama dengan Satuan Kerja collaboration with the Internal Audit Work Unit or
Audit Internal atau Auditor Eksternal. External Auditor.
Komite Audit memiliki Tanggung jawab diantaranya adalah The Audit Committee had the following responsibilities:
sebagai berikut:
1. Memastikan bahwa laporan keuangan Bank dapat dimengerti, 1. Ensuring that Bank’s financial reports are understandable,
transparan dan dapat diandalkan. transparent and reliable.
2. Menilai pelaksanaan kegiatan serta hasil audit yang dilakukan 2. Assessing audit activities and results conducted by Internal
oleh Satuan Kerja Audit Internal maupun Auditor Eksternal Audit Work Unit and External Auditor to make sure that its
sehingga dapat mencegah pelaksanaan dan pelaporan yang implementation and report have met the standards.
tidak memenuhi standar.
3. Melakukan evaluasi kebijakan Bank yang berhubungan 3. Evaluating Bank’s policies related to compliance towards
dengan kepatuhan terhadap peraturan dan perundang- applicable laws, regulations, ethics, and conflicts of interest as
undangan yang berlaku, etika, benturan kepentingan dan well as to conduct an investigation on errors or fraud through
investigasi akan adanya kesalahan maupun kecurangan, the Board of Commissioners by providing recommendations
melalui Dewan Komisaris memberikan rekomendasi to enhance the Bank’s internal control system and its
mengenai penyempurnaan sistem pengendalian intern Bank implementation.
serta pelaksanaannya.
4. Melakukan evaluasi Rencana Kerja Satuan Kerja Audit 4. Evaluating the Work Plan of the Internal Audit Unit as well as
Internal, pelaporan dan temuan yang signifikan. reporting and significant findings.
5. Berkomunikasi dengan Direksi dan Satuan Kerja terkait 5. Communicating with the Directors and related Work Units
tentang status, kemajuan dan perkembangan baru pada about the status, progress and new developments on the
permasalahan operasional yang dijumpai serta temuan Satuan operational problems encountered and the findings from the
Kerja Audit Internal. Internal Audit Work Unit.
6. Memastikan bahwa Satuan Kerja Audit Internal dapat memiliki 6. Ensuring that Internal Audit Work Unit can have direct access
akses langsung kepada Komite Audit dan mendorong adanya to the Audit Committee and encouraging communication
komunikasi di luar rapat komite yang telah dijadwalkan. outside the routine committee meetings.
7. Menciptakan jalur komunikasi langsung dengan Auditor 7. Creating a direct line of communication with the External
Eksternal/pengawas Bank untuk membahas rencana audit, Auditor/Bank supervisor to discuss the audit plan, findings,
temuan maupun laporan and reports
Wewenang Komite Audit Audit Committee Authority
Komite Audit mempunyai wewenang sebagai berikut Audit Committee has the following authorities
1. Komite Audit diberi wewenang untuk mendapatkan 1. Obtaining information through the Board of Commissioners
informasi, melalui Dewan Komisaris, mengenai operasional regarding bank operations, employee data, funds, assets and
bank, data karyawan, dana, aset serta sumber daya Bank other Bank resources relating to the implementation of its
lainnya yang berkaitan dengan pelaksanaan tugasnya. duties.
2. Dalam melaksanakan tugas dan tanggung jawab serta 2. In carrying out its duties and responsibilities as well as
wewenang, Komite Audit bekerja sama dengan Satuan Kerja authority, the Audit Committee works closely with the Internal
Audit Internal. Audit Unit.
3. Memberi masukan kepada Dewan Komisaris mengenai 3. Providing inputs to the Board of Commissioners regarding the
keperluan perbaikan dalam proses audit internal, eksternal need for improvement in the processes of internal, external
dan laporan keuangan Bank. and financial audits of the Bank.
4. Melakukan evaluasi deskripsi mengenai internal kontrol/ 4. Evaluating descriptions of internal controls/ audits that will be
audit yang akan dipublikasikan dalam Laporan Keuangan dan published in the Financial and GCG Implementation Report.
Laporan Pelaksanaan Penerapan GCG.
5. Melakukan kajian atas independensi dan objektivitas Auditor 5. Reviewing independence and objectivity of External Auditor
Eksternal serta merekomendasikan Auditor Eksternal yang and providing recommendations to the Bank in choosing
akan dipilih oleh Bank untuk mengaudit laporan keuangan External Auditor to audit its financial reports, both business
Bank, unit bisnis maupun anak perusahaan. units, and subsidiaries.
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Pedoman dan Tata Tertib Kerja Komite Audit Rules and Guidelines of Audit Committees
Komite Audit mempunyai suatu Pedoman dan Tata Tertib Kerja The Audit Committee owned an Audit Committee Charter
Komite Audit berdasarkan Surat Keputusan Dewan Komisaris based on the Decree of the Board of Commissioners Number
nomor 12/DKO/SK/2019 tanggal 04 Desember 2019 tentang 12/DKO/SK/2019 dated December 4, 2019 concerning the
Pedoman dan Tata Tertib Kerja Komite Audit, yang menetapkan Audit Committee Charter, which clearly defined the roles,
secara jelas peran, tanggung jawab dan lingkup kerja Komite Audit responsibilities and scope of work of the Audit Committee to
untuk meningkatkan efektivitas, tanggungjawab, keterbukaan increase the effectiveness, responsibility, openness and objectivity
dan objektivitas Dewan Komisaris dalam menjalankan fungsinya. of the Board of Commissioners in carrying out its functions. The
Dalam Pedoman dan Tata Tertib Kerja Komite Audit mengatur Audit Committee Charter regulated the organizational structure
mengenai struktur organisasi dan masa kerja Komite Audit, and tenure of the Audit Committee, duties and responsibilities,
tugas dan tanggung jawab, rapat, pelaporan dan anggaran serta meetings, reporting and budget as well as ethical standards for
standar etika bagi Komite Audit. the Audit Committee.
Masa Jabatan Komite Audit The Audit Committee’s Term of Service
Masa jabatan anggota komite di bawah Dewan Komisaris yang The term of office of committee members under the Board of
menjabat sebagai Dewan Komisaris yaitu sama seperti masa Commissioners who served as the Board of Commissioners was
jabatan sebagai Dewan Komisaris, sedangkan untuk anggota the same as the term of office as the Board of Commissioners,
Komite yang berasal dari pihak independen masa jabatannya while for Committee members who came from independent
selama 2 (dua) tahun. parties the term of office was 2 years.
Struktur, Keanggotaan dan Keahlian Komite Structure, Membership, and Expertise of the
Audit Audit Committee
Struktur keanggotaan Komite Audit yaitu: The Audit Committee membership structure:
1. Anggota Komite Audit sekurang-kurangnya terdiri atas: 1. The members of the Audit Committee at least consist of:
a. Seorang Komisaris Independen; a. An Independent Commissioner;
b. Seorang dari Pihak Independen yang memiliki keahlian di b. An Independent Party who has expertise in finance or
bidang keuangan atau akuntansi; accounting;
c. Seorang dari Pihak Independen yang memiliki keahlian di c. An Independent Party who has expertise in banking or
bidang perbankan atau hukum; law;
d. Anggota Komite Audit yang merupakan Komisaris d. Members of the Audit Committee are Independent
Independen bertindak sebagai Ketua Komite Audit. Commissioners as the Head of the Audit Committee.
2. Komisaris yang menjabat sebagai Ketua Komite Audit dapat 2. Commissioner who serves as Chairperson of the Audit
merangkap sebagai Ketua Komite paling banyak pada 1 (satu) Committee can concurrently as Chairperson of the Committee
Komite lainnya. at most on 1 (one) of another Committee.
3. Dalam melaksanakan tugas sehari-hari, Komite Audit dapat 3. The Audit Committee in performing its daily tasks can be
dibantu oleh Kesekretariatan Dewan Komisaris. assisted by the Secretariat of the Board of Commissioners.
Keanggotaan Membership
1. Anggota Komite Audit diangkat oleh Direksi berdasarkan 1. Members of the Audit Committee were appointed by
keputusan rapat Dewan Komisaris. the Directors based on the resolutions of the Board of
Commissioners meeting.
2. Ketua Komite Audit mengusulkan penggantian anggota 2. The Chairman of the Audit Committee proposed the
Komite Audit yang berakhir masa tugasnya, mengundurkan replacement of members of the Audit Committee who have
diri atau diberhentikan ended their term of office, resigned or been dismissed
Surat Keputusan Dewan Komisaris Nomor 06/SK/DKO/2022 Decree of the Board of Commissioners Number 06/SK/DKO/2022
tanggal 4 November 2022 tentang Pembagian Tugas dan dated November 4, 2022 concerning the Division of Duties
Pelaksanaan Jadwal Kegiatan Dewan Komisaris serta Komite- and Implementation of the Activity Schedule of the Board of
komite sebagaimana telah diubah berdasarkan Surat Keputusan Commissioners and Committees as amended based on Decree
Dewan Komisaris Nomor 04/SK/DKO/2023 tanggal 22 Agustus of the Board of Commissioners Number 04/SK/DKO/2023 dated
2023 tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan August 22, 2023 concerning Division of Duties and Implementation
Dewan Komisaris serta Komite-komite, sehingga pada periode 31 of the Activity Schedule for the Board of Commissioners and
2023 Annual Report
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Desember 2023 komposisi Komite Audit menjadi sebagai berikut: Committees, so that in the period of December 31, 2023 the
composition of the Audit Committee will be as follows:
Nama Jabatan Keterangan Keahlian
No.
Name Position Description Expertise
Ketua Merangkap Komisaris Utama
Anggota Independen Manajemen, Perbankan dan Keuangan
1. Farid Rahman
Chairman concurrently Independent President Management, Banking and Finance
member Commissioner
Anggota Komisaris Independen Peneliti, Keuangan, Ekonomi dan Perbankan
2 Diding Sakri
Member Independent Commissioner Researcher, Finance, Economics and Banking
Anggota Komisaris Independen Ekonomi dan Perbankan
3 Fahlino F. Sjuib
Member Independent Commissioner Economics and Banking
Anggota Pihak Independen Hukum, Manajemen dan Internal Audit
4 Dewi Kania Sugiharti
Member Independent Party Law, Management and Internal Audit
Anggota Pihak Independen Perbankan, Akuntansi, Manajemen dan Internal Audit
5 Wawan Hernawan
Member Independent Party Banking, Accounting, Management and Internal Audit
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Profil Komite Audit Profile of Audit Committee
Profil Komite Audit per 31 Desember 2023 adalah sebagai berikut. The Audit Committee profile as of December 31, 2023 is as
follows.
Farid Rahman
Ketua Merangkap Anggota/ Komisaris Utama Independen /
Chairman Concurrently Member / Independent President Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Jakarta
Lahir di Jakarta pada tahun 1958, usia 65 tahun per Desember Born in Jakarta in 1958, 65 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Ekonomi jurusan Manajemen dari Universitas Indonesia • Bachelor’s degree in Economics majoring in Management from the
(1983). University of Indonesia (1983).
• Master bidang Business Administration dari Golden State University, San • Master in Business Administration from Golden State University, San
Francisco, Amerika Serikat (1987). Francisco, United States (1987).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 01/SK/DKO/2021 tanggal 7 April 2021 Board of Commissioners Decree 01/SK/DKO/2021 dated April 7, 2021,
tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan concerning the Division of Duties and Implementation of the Activity
Komisaris serta Komite – komite yang telah beberapa kali diperbaharui Schedule for the Board of Commissioners and Committees which has been
dengan Surat Keputusan Dewan Komisaris terakhir Nomor 04/SK/DKO/2023 updated several times with the latest Decree of the Board of Commissioners
tanggal 22 Agustus 2023 tentang Pembagian Tugas dan Pelaksanaan Number 04/SK/DKO/2023 dated August 22, 2023 concerning the Division
Jadwal Kegiatan Dewan Komisaris serta Komite – komite. of Duties and Implementation of the Activity Schedule for the Board of
Commissioners and Committees.
Pengalaman Kerja Work Experience
• Direktur Utama PT Bank Himpunan Saudara 1906 (1994 – 2011). • President Director of PT Bank Himpunan Saudara 1906 (1994 – 2011).
• Komisaris Utama PT Bank Himpunan Saudara 1906 (2012-2019). • President Commissioner of PT Bank Himpunan Saudara 1906 (2012-
2019).
• Direktur PT Medco Intidinamika (2012 – saat ini). • Director of PT Medco Intibisnisa (2012 – present).
• Komisaris Utama Independen bank bjb (2019 – saat ini). • Independent President Commissioner of bank bjb (2019 – present).
Periode dan Masa Jabatan Period of Service
Sebagai anggota sejak 30 April 2019 As a member since April 30, 2019
Sebagai Ketua merangkap anggota sejak 7 April 2021 – saat ini (periode As Chairman concurrently member since April 7, 2021 – present (first
pertama). period).
Jabatan Rangkap Concurrent Position
Direktur PT Medco Intidinamika (2012 – saat ini). Director of PT Medco Intidinamika (2012 – present)
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 751
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Diding Sakri
Anggota/Komisaris Independen /
Member/Independent Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Kuningan pada tahun 1977, usia 46 tahun per Desember Born in Kuningan in 1977, 46 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Teknik Planologi (Perencanaan Wilayah dan Kota) dari • Bachelor’s degree in Planology Engineering (Regional and City Planning)
Institut Teknologi Bandung (2001). from the Bandung Institute of Technology (2001).
• Master of Arts (double degree) dari Trento University (Italy) dan • Master of Arts (double degree) from Trento University (Italy) and
Regensburg University (Germany) (2011). Regensburg University (Germany) (2011).
• PhD bidang Development Economics King’s College London (United • PhD in Development Economics King’s College London (United
Kingdom) (2020). Kingdom) (2020).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris Nomor 05/SK/DKO/2022 tanggal 26 Juli Board of Commissioners Decree Number 05/SK/DKO/2022 dated July 26,
2022 tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan 2022 concerning the Division of Duties and Implementation of the Activity
Komisaris serta Komite – komite yang telah beberapa kali diperbaharui Schedule for the Board of Commissioners and Committees which has been
dengan Surat Keputusan Dewan Komisaris terakhir Nomor 04/SK/DKO/2023 updated several times with the latest Board of Commissioners Decree
tanggal 22 Agustus 2023 tentang Pembagian Tugas dan Pelaksanaan Jadwal Number 04/SK/DKO/2023 dated August 22, 2023 concerning the Division
Kegiatan Dewan Komisaris serta Komite – komite. of Duties and Implementation of the Activity Schedule for the Board of
Commissioners and Committees.
Pengalaman Kerja Work Experience
• Anggota Tim Akselerasi Pembangunan (TAP) Provinsi Jawa Barat (2020 – • Member of the West Java Province Development Acceleration Team
Maret 2022) (TAP) (2020 – March 2022)
• Researcher on Poverty, Inequality, and Inclusive Growth, King’s College • Researcher on Poverty, Inequality, and Inclusive Growth, King’s College
London, United Kingdom (2016 - 2020). London, United Kingdom (2016 - 2020).
• Research Analyst (PREM)/Governance Specialist (GGP), The World Bank • Research Analyst (PREM)/Governance Specialist (GGP), The World Bank
(2011-2015). (2011-2015).
• Komisaris Independen bank bjb (2022 – saat ini). • Independent Commissioner of bank bjb (2022 – present).
Periode dan Masa Jabatan Period of Service
26 Juli 2022 – saat ini (periode pertama). July 26, 2022 – present (first period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 Level 5 Risk Management Certification
Laporan Tahunan 2023
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Fahlino F. Sjuib
Anggota/ Komisaris Independen /
Member/Independent Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Jakarta
Lahir di Bandung pada tahun 1972, usia 51 tahun per Desember Born in Bandung in 1972, 51 years old as of December 2023
2023
Riwayat Pendidikan Educational Background
• Sarjana bidang Ekonomi/Akuntansi dari Universitas Katolik Parahyangan • Bachelor’s degree in Economics/Accounting from Parahyangan Catholic
(Bandung) (1996). University (Bandung) (1996).
• Master of Arts Economics dari Western Illionis University (Amerika Serikat) • Master of Arts Economics from Western Illinois University (United States)
(1998). (1998).
• PhD bidang Economics dari Kansas State University (Amerika Serikat) • PhD in Economics from Kansas State University (United States) (2023).
(2023).
Dasar Hukum Pengangkatan Legal Basis for Appointment
04/SK/DKO/2023 tanggal 22 Agustus 2023 tentang Pembagian Tugas dan 04/SK/DKO/2023 dated August 22, 2023, concerning the Division of Duties
Pelaksanaan Jadwal Kegiatan Dewan Komisaris serta Komite – komite and Implementation of the Activity Schedule for the Board of Commissioners
and Committees
Pengalaman Kerja Work Experience
• Adjunct Professor of Economics di Boston College Amerika Serikat (2017 • Adjunct Professor of Economics at Boston College United States (2017 -
- saat ini) present)
• EBCICON Universitas Katolik Parahyangan (2018 - saat ini) • EBCICON Parahyangan Catholic University (2018 - present)
• Komisaris Independen bank bjb (2019 - saat ini) • Bank bjb Independent Commissioner (2019 - present)
Periode dan Masa Jabatan Period of Service
22 Agustus 2023 - saat ini (Periode Pertama) August 22, 2023 - present (First Period)
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 Level 5 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 753
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TATA KELOLA
PERUSAHAAN
Wawan Hernawan
Anggota/Pihak Independen /
Member/Independent Party
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1963, usia 60 per Desember 2023 Born in Bandung in 1963, 60 years old as of December 2023
Riwayat Pendidikan Educational Background
• D3 Akuntansi di Pendidikan Ahli Administrasi Perusahaan (PAAP) di • D3 Accounting in Corporate Administration Expert Education (PAAP) at
Universitas Padjadjaran Bandung pada Tahun 1986. Padjadjaran University, Bandung in 1986.
• Sarjana di bidang Manajemen dari Universitas Bandung Raya (UNBAR) • Bachelor’s degree in Management from Bandung Raya University
pada Tahun 2014. (UNBAR) in 2014.
Dasar Hukum Pengangkatan Legal Basis for Appointment
• Surat Keputusan Dewan Komisaris Nomor 009/SK/DIR-CS/2019 tanggal • Decree of the Board of Commissioners Number 009/SK/DIR-CS/2019
4 Januari 2019 periode menjabat terhitung mulai tanggal 1 Januari 2019 dated January 4, 2019, the term of office is from January 1, 2019 to
sampai dengan 31 Desember 2020. December 31, 2020.
• Surat Keputusan Direksi Nomor 011/SK/DIR-CSE/2021 tanggal 06 Januari • Board of Directors Decree Number 011/SK/DIR-CSE/2021 dated January
2021 periode menjabat terhitung mulai tanggal 01 Januari 2021 sampai 6, 2021, period of office starting from January 1, 2021 to December 31,
dengan tanggal 31 Desember 2022. 2022.
• Surat Keputusan Direksi Nomor 0756/SK/DIR-CSE/2022 tanggal 28 • Directors’ Decree Number 0756/SK/DIR-CSE/2022 dated December 28,
Desember 2022 periode menjabat terhitung mulai tanggal 01 Januari 2022 for the term of office starting from January 1, 2023 to December
2023 sampai dengan 31 Desember 2024. 31, 2024.
Pengalaman Kerja Work Experience
Beliau menduduki berbagai jabatan penting, antara lain sebagai: He held various important positions, including:
• Pemimpin bagian Akuntansi Keuangan bank bjb (2009 - 2010) • Head of Financial Accounting at bank bjb (2009 - 2010)
• Pemimpin Cabang bank bjb (2010 – 2012) • Bank bjb Branch Manager (2010 – 2012)
• Pemimpin Grup Audit Kantor Pusat & Kantor Wilayah bank bjb (2012- • Head of bank bjb Head Office & Regional Office Audit Group (2012-
2014) 2014)
• Pemimpin Grup SD & QA Audit Internal bank bjb. (2014-2016) • SD & QA Group Leader Internal Audit bank bjb. (2014-2016)
• Anggota Komite Audit bank bjb (2019 - saat ini) • Member of bank bjb Audit Committee (2019 - present)
Periode dan Masa Jabatan Period of Service
• 1 Januari 2019 sampai dengan 31 Desember 2020 (Periode Pertama) • January 1, 2019 to December 31, 2020 (First Period)
• 01 Januari 2021 sampai dengan tanggal 31 Desember 2022 (Periode • January 1, 2021 to December 31, 2022 (Second Period)
Kedua)
• 01 Januari 2023 sampai dengan 31 Desember 2024 (Periode Ketiga) • January 01, 2023 to December 31, 2024 (Third Period)
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 dari Badan Sertifikasi Manajemen Level 5 Risk Management Certification from the Risk Management
Risiko (BSMR) Certification Agency (BSMR)
Laporan Tahunan 2023
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Dewi Kania Sugiharti
Anggota/Pihak Independen /
Member/Independent Party
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1962, usaia 61 Tahun per Desember Born in Bandung in 1962, 61 years old as of December 2023
2023
Riwayat Pendidikan Educational Background
• S1 Fakultas Ilmu Hukum Universitas Padjadjaran Bandung pada Tahun • Bachelor degree from the Faculty of Law, Padjadjaran University,
1986. Bandung in 1986.
• S2 Fakultas Ilmu Hukum Universitas Padjajaran Bandung pada Tahun • Masters Degree at the Faculty of Law, Padjadjaran University, Bandung
1995. in 1995.
• S3 Program Ilmu Hukum Universitas Padjajaran Bandung pada Tahun • Doctoral Program in Legal Studies, Padjadjaran University, Bandung in
2010. 2010.
Dasar Hukum Pengangkatan Legal Basis for Appointment
• Surat Keputusan Direksi Nomor 0665/SK/DIR-CSE/2022 tanggal 9 • Board of Directors Decree Number 0665/SK/DIR-CSE/2022 dated
November 2022 periode menjabat terhitung mulai tanggal 4 November November 9 2022, term of office starting from November 4, 2022 to
2022 sampai dengan 3 November 2023. November 3, 2023.
• Surat Keputusan Direksi Nomor 0450/SK/DIR-CSE/2023 tanggal 3 • Directors Decree Number 0450/SK/DIR-CSE/2023 dated November 3,
November 2023 periode menjabat terhitung mulai tanggal 04 November 2023, term of office starting from November 4, 2023 to November 3,
2023 sampai dengan 03 November 2025 2025
Pengalaman Kerja Work Experience
Beliau menduduki berbagai jabatan penting, antara lain sebagai: He held various important positions, including as:
• Ketua Satuan Pengawas Intern UNPAD (2014-28 Okt 2015) • Head of UNPAD Internal Supervisory Unit (2014- October 28, 2015)
• Anggota Senat FH UNPAD (4 Januari 2016 – 8 Februari 2018) • Member of the FH UNPAD Senate (January 4, 2016 – February 8, 2018)
• Wakil Dekan II FH UNPAD (4 Januari 2016 – 8 Februari 2018) • Deputy Dean II FH UNPAD (January 4, 2016 – February 8, 2018)
• Anggota Senat FH UNPAD (2 Februari 2021 – Sekarang) • Member of the FH UNPAD Senate (February 2, 2021 – Present)
• Kepala Dept HAN FH UNPAD (2 Februari 2021 – Sekarang) • Head of HAN Dept FH UNPAD (February 2, 2021 – Present)
• Anggota Komite Audit bank bjb (2022 - sekarang) • Member of bank bjb Audit Committee (2022 - present)
Periode dan Masa Jabatan Period of Service
• 4 November 2022 sampai dengan 3 November 2023 (Periode Pertama) • November 4, 2022 to November 3, 2023 (First Period)
• 04 November 2023 sampai dengan 03 November 2025 (Periode Kedua) • November 4, 2023 to November 3, 2025 (Second Period)
Jabatan Rangkap Concurrent Position
Kepala Departemen HAN Fakultas Hukum Universitas Padjadjaran Head of the HAN Department, Faculty of Law, Padjadjaran University
Sertifikasi Certification
- -
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 755
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TATA KELOLA
PERUSAHAAN
Kualifikasi Pendidikan dan Pengalaman Kerja Qualification of Education and Work
Komite Audit Experience of Audit Committee
Secara umum, persyaratan Kompetensi Komite Audit Perseroan, Generally, the Company’s Audit Committee Competency
sebagai berikut: requirements are as follows:
1. Anggota Komite Audit wajib memiliki integritas, akhlak 1. Having integrity, good character, and morals. Being
dan moral yang baik, independen, obyektif, tanggung independent, objective, professional, and responsibleas well
jawab profesi serta memiliki kemampuan, pengetahuan as having adequate abilities, knowledge and experience in
dan pengalaman yang memadai sesuai dengan latar accordance with their educational background, and able to
belakang pendidikannya, dan mampu berkomunikasi secara communicate effectively and to provide sufficient time to
efektif termasuk menyediakan waktu yang cukup untuk carry out their duties.
melaksanakan tugasnya.
2. Memiliki pengetahuan membaca dan memahami laporan 2. Having knowledge of reading and understanding financial
keuangan. reports.
3. Memiliki pengetahuan mengenai lingkungan bisnis Bank, 3. Having knowledge of the Bank’s business environment, risk
risiko dan kontrol serta memahami tugas, tanggung jawab and control as well as understanding duties, responsibilities
dan wewenang dari Komite Audit. and authority of Audit Committee.
4. Memiliki keseimbangan keterampilan dan pengalaman 4. Having adequate skills and experience with a broad
dengan latar belakang yang luas di bidang keuangan, background in finance, accounting, banking, or law.
akuntansi, perbankan, atau hukum.
5. Memiliki pengetahuan yang memadai tentang peraturan 5. Having adequate knowledge of the applicable laws and
dan perundang-undangan yang berlaku terkait dengan regulations related to Bank operations.
operasional Bank.
6. Anggota Komite Audit dari Pihak Independen yang memiliki 6. Coming from Independent Parties who have expertise
keahlian di bidang keuangan, akuntansi, perbankan, atau in finance, accounting, banking, or law andfulfilling the
hukum apabila memenuhi kriteria sebagai berikut: following criteria:
a. Memiliki pengetahuan di bidang keuangan, akuntansi, a. Having knowledge in finance, accounting, banking, or
perbankan, atau hukum law
b. Memiliki pengalaman kerja di bidang keuangan, b. Have work experience in finance, accounting, banking, or
akuntansi, perbankan, atau hukum sedikitnya 5 (lima) law for at least 5 (five) years.
tahun.
7. Setiap anggota Komite Audit wajib mempelajari kegiatan 7. Studying Bank’s activities so that they have adequate
Bank sehingga memiliki pengetahuan yang memadai tentang knowledge about the Bank’s activities.
kegiatan Bank.
8. Komite Audit harus melakukan orientasi pada awal masa 8. Conducting an orientation at the beginning of their term of
jabatan untuk memperoleh gambaran operasional Bank service to obtain an overview of the Bank’s operations and
serta ruang lingkup kerja, dalam melaksanakan tanggung scope of work in order to carry out their responsibilities
jawabnya secara efektif. effectively.
9. Komite Audit mendapatkan pelatihan secara periodik selama 9. Receiving periodic training during the term of service to
kurun waktu jabatan untuk meningkatkan pengetahuan dan improve their knowledge and skills.
keterampilannya.
Kualifikasi pendidikan dan pengalaman kerja Ketua dan Anggota The educational qualifications and work experience of the
Komite Audit adalah sebagai berikut. Chairperson and Members of the Audit Committee are as follows.
Tabel Kualifikasi Pendidikan dan Pengalaman Kerja Komite Audit
Table of Audit Committee Education and Work Experience Qualification
Nama Jabatan Pendidikan Pengalaman Kerja
Name Position Educational Background Work Experiences
• S1 Manajemen
Ketua Merangkap Anggota
• S2 Banking & Finance Memiliki pengalaman kerja di bidang perbankan.
Farid Rahman Chairman concurrently
• Bachelor of Management Has work experience in the banking sector.
member
• Masters in Banking and Finance
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Nama Jabatan Pendidikan Pengalaman Kerja
Name Position Educational Background Work Experiences
• S1 Teknik Planologi
• S2 Master Of Art
Memiliki pengalaman kerja dibidang Penelitian,
• S3 PHD on Development Economics
Anggota Keuangan, Ekonomi dan Perbankan.
Diding Sakri • Bachelor's Degree in Planning
Member Has work experience in Research, Finance,
Engineering
Economics and Banking.
• S2 Master of Art
• PhD in Development Economics
• S1 Ekonomi/Akuntansi
• S2 Master of Arts Economics
Memiliki pengalaman kerja dibidang Penelitian,
• S3 PhD bidang Economics
Anggota Pendidikan, Ekonomi dan Perbankan.
Fahlino F. Sjuib • Bachelor's Degree in Economics/
Member Has work experience in Research, Education,
Accounting
Economics and Banking.
• Master of Arts Economics
• PhD Doctoral in Economics
• D3 Akuntansi Memiliki pengalaman kerja di bidang perbankan,
Anggota • S1 Manajemen Akuntansi dan Audit Internal.
Wawan Hernawan
Member • Diploma 3 Accounting Has work experience in banking, accounting and
• Bachelor of Management internal audit.
• S1 Hukum
• S2 Hukum Memiliki pengalaman kerja dibidang Hukum,
Dewi Kania Anggota • S3 Ilmu Hukum pendidikan, Audit Internal dan perbankan.
Sugiharti Member • Bachelor of Laws Has work experience in the fields of Law,
• Master of Law education, Internal Audit and banking.
• Doctoral Degree in Law
Audit Committee Independence
Independensi Komite Audit
Persyaratan Independensi Komite Audit yang diatur dalam Below are the requirements of the Audit Committee Independence
Pedoman dan Tata Tertib Kerja Komite Audit, yaitu: regulated in Audit Committee Rules and Guidelines:
1. Anggota Direksi dilarang menjadi anggota Komite Audit 1. Members of the Directors are prohibited to become Audit
Committee.
2. Komisaris independen dan Pihak Independen yang menjadi 2. Independent Commissioners and Independent Parties as the
anggota Komite paling kurang 51% (lima puluh satu committee members at least 51% (fifty-one percent) of the
perseratus) dari jumlah anggota Komite Audit. total members of the Audit Committee.
3. Anggota Komite Audit tidak mempunyai hubungan afiliasi 3. Audit Committee members have no affiliation with the Bank,
dengan Bank, Dewan Komisaris, Direksi, atau Rapat Umum Board of Commissioners Directors, or General Meeting of
Pemegang Saham (RUPS) Shareholders (GMS).
4. Tidak memiliki hubungan usaha baik langsung maupun tidak 4. Audit Committee members have no business relations, direct
langsung yang berkaitan dengan kegiatan usaha Bank. or indirect, related to the Bank’s business activities.
5. Bukan merupakan orang yang bekerja atau mempunyai 5. Audit Committee members are not a person who works or
wewenang dan tanggung jawab untuk merencanakan, have the authority and responsibility to plan, lead, control, or
memimpin, mengendalikan, atau mengawasi kegiatan Emiten supervise the activities of the Issuer or Public Company within
atau Perusahaan Publik tersebut dalam waktu 6 (enam) bulan the last 6 (six) months except for Independent Commissioners.
terakhir, kecuali Komisaris Independen;
6. Tidak mempunyai saham langsung maupun tidak langsung 6. Audit Committee members have no direct or indirect shares in
pada Emiten atau Perusahaan Publik; the Public Company.
7. Pihak Independen yang menjadi anggota Komite Audit adalah 7. Independent Parties as Audit Committee refers to a party
pihak yang berada di luar Bank yang tidak memiliki hubungan beyond Bank circle without any financial relationship,
keuangan, kepengurusan, kepemilikan saham, dan/atau management connection, share ownership, and/or family
hubungan keluarga dengan Dewan Komisaris, Direksi, dan/ relation with the Board of Commissioners, Directors, and/or
atau Pemegang Saham Pengendali atau hubungan dengan Controlling Shareholders or anything that can influence his
Bank yang dapat mempengaruhi kemampuannya untuk ability to act independently;
bertindak independen;
a. Yang dimaksud dengan Pemegang Saham Pengendali a. What is meant by Controlling Shareholders are legal
adalah badan hukum, orang perseorangan dan/atau entities, individuals and/or business groups as mentioned
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kelompok usaha sebagaimana dimaksud dalam ketentuan in Bank Indonesia guidelines concerning Fit and Proper
Bank Indonesia mengenai Uji Kemampuan dan Kepatutan Test of Commercial Banks. Included in the understanding
(Fit and Proper Test) Bank Umum. Termasuk dalam of Bank Controlling Shareholders, it covers shareholders
pengertian Pemegang Saham Pengendali Bank adalah up to ultimate shareholders.
pemegang saham Bank sampai dengan pengendali
terakhir (ultimate shareholders) Bank.
b. Hubungan keuangan yang dimaksud adalah apabila b. Financial relationship means that one receives income,
seseorang menerima penghasilan, bantuan keuangan, financial assistance, or loan from:
atau mendapatkan pinjaman dari:
i. Anggota Dewan Komisaris dan/atau anggota Direksi i. Members of Board of Commissioners and/or Directors
Bank of the Bank.
ii. Perusahaan yang Pemegang Saham Pengendalinya ii. Companies with Controlling Shareholders as
adalah anggota Dewan Komisaris, dan/atau anggota members of the Board of Commissioners, and/or
Direksi Bank Directors of the Bank.
iii. Perusahaan yang Pemegang Saham Pengendali Bank. iii. Companies with Bank Controlling Shareholders.
c. Hubungan kepengurusan adalah apabila seseorang c. Management relationship means that someone occupies
menduduki posisi sebagai: a position as:
i. Anggota Dewan Komisaris atau Direksi pada i. Members of Board of Commissioners or Directors
perusahaan dimana anggota Dewan Komisaris in companies where members of Board of
menjadi anggota Dewan Komisaris dan/atau anggota Commissioners becoming Board of Commissioners
Direksi and/or members of Directors
ii. Anggota Dewan Komisaris atau Direksi pada ii. Members of the Board of Commissioners or Directors
perusahaan yang Pemegang Saham Pengendalinya in companies whose controlling shareholders are
adalah anggota Dewan Komisaris dan/atau anggota members of Board of Commissioners and/or members
Direksi Bank of Directors of the Bank
iii. Anggota Dewan Komisaris, Direksi, atau Pejabat iii. Members of the Board of Commissioners, Directors,
Eksekutif pada perusahaan Pemegang Saham or Executive officers in Bank Controlling Shareholder
Pengendali Bank. company.
d. Hubungan kepemilikan saham adalah apabila seseorang d. Share ownership relationship refers to a person who
menjadi pemegang saham pada: becomes a shareholder in:
i. Perusahaan yang secara bersama-sama dimiliki i. Companies that are mutually owned by members of
oleh anggota Dewan Komisaris, Direksi, dan/ the Board of Commissioners, Directors and/or Bank
atau Pemegang Saham Pengendali Bank sehingga Controlling Shareholders so that they jointly become
bersama-sama menjadi Pemegang Saham Pengendali Controlling Shareholders in the certain company; and
pada perusahaan tersebut; dan/atau or
ii. Perusahaan Pemegang Saham Pengendali Bank. ii. Bank Controlling Shareholder Company.
e. Hubungan keluarga adalah memiliki hubungan keluarga e. Family relationships refer to the connection until second
sampai dengan derajat kedua baik hubungan vertikal level both vertical and horizontal relationships, including
maupun horizontal, termasuk mertua, menantu dan ipar. fathers in-law, sons-in-law and brother/ sisters-in law.
Dalam hal Pemegang Saham Pengendali Bank berbentuk In Bank Controlling Shareholder as a legal entity, the family
badan hukum, maka hubungan keluarga antara Komisaris relationship between the Independent Commissioner and
Independen dengan Pemegang Saham Pengendali Bank Bank Controlling Shareholder is seen from affiliation
dilihat dari hubungan keluarga antara seseorang dengan between a person and Controlling Shareholder.
Pemegang Saham Pengendali dari badan hukum yang
merupakan Pemegang Saham Pengendali Bank.
f. Hubungan dengan Bank yang dapat menghalangi f. Relationships with Banks that can hinder Audit Committee
anggota Komite Audit dari Pihak Independen tidak dapat members to act independently including;
bertindak independen adalah;
i. Kepemilikan saham Bank dengan jumlah kepemilikan i. Ownership of Bank shares of more than 5% (five
lebih dari 5% (lima perseratus) dari modal disetor percent) of the Bank’s paid-up capital.
Bank;
ii. Menerima atau memberi penghasilan, bantuan ii. Receiving or giving income, financial assistance, or
keuangan, atau pinjaman dari/kepada Bank yang loans from/to banks that cause the parties who give
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menyebabkan pihak yang memberi penghasilan, income, financial assistance or loans have the ability
bantuan keuangan atau pinjaman memiliki to influence (controlling influence) those who receive
kemampuan untuk mempengaruhi (controlling income, financial assistance or loans such as:
influence) pihak yang menerima penghasilan,
bantuan keuangan atau pinjaman seperti:
• Pihak terafiliasi yakni pihak yang memberikan • Affiliated parties who provide services to Bank
jasanya kepada Bank, antara lain akuntan publik, including public accountants, assessments,
penilai, konsultan; consultants.
• Transaksi keuangan dengan Bank yang dapat • Financial transactions with Bank that can affect
mempengaruhi kelangsungan usaha Bank the business acquaintance of Bank and/ or parties
dan/atau pihak yang melakukan transaksi conducting financial transactions, including core
keuangan, antara lain debitur inti, deposan inti, debtors, core depositors, or companies, where
atau perusahaan yang sebagian besar sumber most of the funding sources are obtained from
pendanaannya diperoleh dari Bank. the Bank.
• Debitur inti, deposan inti adalah debitur inti, • Core debtors, core depositors are core debtors,
deposan inti sebagaimana dimaksud dalam core depositors as referred to in Bank Indonesia
ketentuan Bank Indonesia mengenai Laporan provisions concerning Commercial Bank Periodic
Berkala Bank Umum Reports
• Menerima penghasilan dari Bank, kecuali • Receiving income from Bank except for income
penghasilan yang diterima oleh anggota Komite received by members of the Audit Committee
Audit (Pihak Independen) karena jabatan (Independent Party) because of his dual position
rangkapnya sebagai anggota Komite lainnya as another Committee member at the same
pada Bank yang sama. Bank.
8. Anggota Komite Audit dari Pihak Independen tidak 8. Members of Audit Committee from Independent Parties must
merupakan: not constitute as follow:
a. Mantan anggota Direksi; atau a. The former member of the Directors; or
b. Pejabat Eksekutif Bank; atau b. Bank Executive officers; or
c. Pihak-pihak yang mempunyai hubungan dengan Bank c. Parties that have a relationship with Bank that can affect
yang dapat mempengaruhi kemampuannya untuk their independence.
bertindak independen.
Kecuali; Except;
a. Pihak-pihak yang melakukan fungsi pengawasan a. Parties performing supervisory functions include director
antara lain direktur kepatuhan, direktur manajemen of compliance, director of risk management, and Executive
risiko, dan Pejabat Eksekutif yang membawahi unit officer in charge of supervisory work unit including the
kerja pengawasan, antara lain Pejabat Eksekutif yang Executive officer in charge of internal audit, compliance,
membidangi audit intern, kepatuhan, dan manajemen and risk management.
risiko.
b. Telah menjalani masa tunggu (cooling off–tenggang b. Having undergone a calling off period between effective
waktu) antara berakhirnya jabatan secara efektif pada termination at the Bank, i.e. since effective date declared
Bank, yaitu sejak tanggal efektif dinyatakan berhenti it stop (written doc) as a member of the Directors or an
secara tertulis sebagai anggota Direksi atau Pejabat Executive officer or other parties related to Bank with
Eksekutif atau pihak-pihak lain yang mempunyai date of appointment as a member of Audit Committee
hubungan dengan Bank, dengan tanggal pengangkatan from an Independent Party for 1 (one) year.
yang bersangkutan secara efektif sebagai anggota Komite
Audit dari Pihak Independen) selama 1 (satu) tahun.
9. Anggota Komite Audit dari Pihak Independen dapat 9. Members of the Audit Committee from an Independent
merangkap jabatan sebagai Pihak Independen anggota Party may concurrently as Independent Members of other
Komite lainnya pada Bank, dan/atau perusahaan lain Committees at Bank, and/or other companies as long as they
sepanjang yang bersangkutan; are able to fulfill the following;
a. Memenuhi seluruh kompetensi yang disyaratkan a. All required competencies
b. Memenuhi kriteria independensi b. Independence criteria
c. Mampu menjaga rahasia Bank c. Bank secrecy
d. Memperhatikan kode etik yang berlaku d. Applicable code of ethics
e. Tidak mengabaikan pelaksanaan tugas dan tanggung e. Duties and responsibilities as a member of the Committee
jawab sebagai anggota Komite
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Tabel Independensi Komite Audit
Table of Audit Committee Independence
Aspek Independensi Fahlino F. Wawan Dewi Kania
Farid Rahman Diding Sakri
Independence Aspects Sjuib Hernawan Sugiharti
Tidak memiliki hubungan keuangan dengan Dewan
Komisaris dan Direksi
√ √ √ √ √
Has no financial relationship with the Board of
Commissioners and Board of Directors
Tidak memiliki hubungan kepengurusan di perusahaan, anak
perusahaan, maupun perusahaan afiliasi
√ √ √ √ √
Has no management relationship in the company,
subsidiaries or affiliated companies
Tidak memiliki hubungan kepemilikan saham di perusahaan
√ √ √ √ √
Has no share ownership relationship in the company
Tidak memiliki hubungan keluarga dengan Dewan Komisaris,
Direksi, dan/atau sesama anggota Komite Audit
Has no family relationship with the Board of Commissioners, √ √ √ √ √
Board of Directors, and/or other members of the Audit
Committee
Tidak menjabat sebagai pengurus partai politik, pejabat dan
pemerintah
√ √ √ √ √
Not serving as administrators of political parties, officials and
government
Rapat Komite Audit Audit Committee Meetings
KEBIJAKAN RAPAT KOMITE AUDIT AUDIT COMMITTEE MEETING POLICY
Ketentuan mengenai rapat Komite Audit yang diatur dalam The provisions regarding Audit Committee meetings set out in the
Pedoman dan Tata Tertib Kerja Komite Audit yaitu: Audit Committee Rules and Guidelines as follows:
1. Komite Audit sekurang-kurangnya mengadakan rapat 1 1. The Audit Committee held at least 1 (one) meeting every
(satu) kali dalam 1 (satu) bulan dan/atau disesuaikan dengan 1 (one) month and/or according to the Bank’s needs. The
kebutuhan Bank. Rapat sekurang-kurangnya membahas meeting at least discusses;
mengenai;
a. Pengawasan atas proses pelaporan keuangan Bank. a. Supervision of the Bank’s financial reporting process.
b. Penyeleksian, rekomendasi, penunjukkan serta b. Selection, recommendation, appointment and supervising
mengawasi pekerjaan Auditor Eksternal. the work of the External Auditor.
c. Evaluasi atas pemberian jasa non-audit yang diberikan c. Evaluation of the provision of non-audit services provided
pada auditor eksternal yang sedang melakukan audit. to external auditors who are conducting audits.
d. Pengawasan atas pengendalian internal bersama-sama d. Supervision of internal control together with the Internal
dengan Satuan Kerja Audit Internal. Audit Unit.
e. Pengawasan atas kepatuhan terhadap Peraturan e. Supervision of compliance with Bank Indonesia
Bank Indonesia/Peraturan Otoritas Jasa Keuangan dan Regulations/Financial Services Authority Regulations
peraturan perundang-undangan yang berlaku bersama- and applicable laws and regulations together with the
sama dengan Satuan Kerja Kepatuhan dan Hukum. Compliance and Legal Unit.
f. Evaluasi pengaduan dari pihak ketiga akan adanya f. Evaluation of complaints from third parties regarding
dugaan fraud maupun perilaku tidak terpuji dari segenap allegations of fraud and disgraceful behavior from all
organisasi Bank. Bank organizations.
g. Pelaksanaan tugas khusus yang diberikan oleh Dewan g. Implementation of special tasks assigned by the Board of
Komisaris. Commissioners.
2. Rapat Komite Audit dapat mengambil keputusan apabila 2. Audit Committee Meeting can make a decision if it is attended
sekurang-kurangnya dihadiri oleh 51% (lima puluh satu per by at least 51% (fifty-one percent) of the total number of
seratus) dari jumlah anggota termasuk seorang Komisaris members including the Independent Commissioner and
Independen dan Pihak Independen. Apabila Ketua Komite Independent Party. If the head of the Audit Committee
Audit tidak dapat hadir, dimana tidak perlu dibuktikan kepada cannot attend, which does not need to be proven to a third
pihak ketiga, anggota Komite yang hadir memilih seorang parties, the Committee member present elects a member as
anggotanya sebagai pimpinan rapat. chairperson of the meeting.
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3. Keputusan Rapat Komite Audit dilakukan berdasarkan 3. The decision of the Audit Committee Meeting is based on the
musyawarah mufakat. consensus agreement.
4. Apabila dalam musyawarah tidak tercapai kata mufakat, 4. If the consensus agreement is not reached, the decision
pengambilan keputusan dapat dilakukan dengan cara making can be done by taking the most votes.
pengambilan suara terbanyak.
5. Dalam kaitannya dengan pemungutan suara; 5. In relation to voting;
1) Setiap anggota Komite Audit yang hadir berhak 1) Each Audit Committee member hold 1 (one) vote.
mengeluarkan 1 (satu) suara.
2) Dalam hal terdapat anggota Komite tidak dapat hadir, 2) When a committee member is unable to attend, the
anggota yang tidak hadir tersebut memberikan surat absent member provides a power of attorney to one of
kuasa kepada salah seorang anggota Komite Audit untuk Audit Committee member to vote. A Committee member
memberikan suaranya. Seorang anggota Komite hanya can only represent 1 (one) of another Committee.
dapat mewakili 1 (satu) orang Komite lain dengan surat
kuasa yang sah.
3) Pemungutan suara mengenai diri orang dilakukan dengan 3) Voting on oneself is carried out with a closed ballot
surat suara tertutup tanpa tanda tangan, sedangkan without a signature, whereas voting on other matters is
pemungutan suara mengenai hal-hal lain dilakukan done verbally unless based on the Chairperson of Meeting
dengan lisan kecuali Ketua Rapat memutuskan lain tanpa decision without any objections from other participants of
ada keberatan dari peserta rapat Komite Audit. the Audit Committee meeting.
4) Suara blanko (kosong) dan suara yang dianggap tidak 4) Blank votes and invalid votes are considered non-existent
sah dianggap tidak ada serta tidak dihitung dalam (not counted) in determining the number of votes cast.
menentukan jumlah suara yang dikeluarkan.
6. Komite Audit dapat meminta manajemen atau Pegawai 6. Audit Committee may ask the Bank’s management or
Bank atau pihak lain untuk menghadiri rapat/pertemuan employees or other parties to attend meetings and provide
dan memberikan informasi yang diperlukan terkait necessary information related to the Committee meeting
dengan materi rapat Komite, melalui Komisaris. material through the Commissioners.
7. Hasil rapat Komite Audit wajib dituangkan dalam risalah 7. Results of the Audit Committee meeting must be reported in
rapat dan didokumentasikan dengan baik. the minutes of the meeting and properly documented.
8. Perbedaan pendapat (dissenting opinions) yang terjadi 8. Dissenting opinions that occur in Committee meetings must
dalam rapat Komite wajib dicantumkan secara jelas be clearly stated in the minutes of the meeting along with
dalam risalah rapat beserta alasan perbedaan pendapat reasons of the dissenting opinions.
tersebut.
9. Kesekretariatan Dewan Komisaris berkewajiban untuk 9. Secretariat of Board of Commissioners is obliged to prepare
menyiapkan dan mendokumentasikan risalah rapat and document minutes of Committee meetings.
Komite.
AGENDA RAPAT KOMITE AUDIT AGENDA OF COMMITTEE AUDIT MEETING
Sepanjang tahun 2023, tanggal pelaksanaan, agenda rapat dan Throughout 2023, the implementation date, meeting agenda and
peserta rapat Komite Audit, sebagai berikut. Audit Committee meeting participants, are as follows.
Tabel Agenda Rapat Komite Audit
Table of Audit Committee Meeting Agenda
Tanggal Agenda Peserta Rapat
No
Date Agendas Participants
Pembahasan Penunjukan Kantor Akuntan Publik untuk Audit Pengelolaan Dana CSR • Farid Rahman
04 Januari 2023 Tahun 2022. • Diding Sakri
1
January 04, 2023 Discussion on the Appointment of a Public Accounting Firm to Audit CSR Fund • Dewi Kania Sugiharti
Management in 2022. • Wawan Hernawan
Pembahasan Penunjukan Kantor Akuntan Publik untuk Kaji Ulang Penerapan Fungsi • Farid Rahman
21 Februari 2023 Satuan Kerja Audit Internal (SKAI) • Diding Sakri
2
February 21, 2023 Discussion on the Appointment of a Public Accounting Firm to Review the • Dewi Kania Sugiharti
Implementation of Internal Audit Work Unit (SKAI) Functions • Wawan Hernawan
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Tanggal Agenda Peserta Rapat
No
Date Agendas Participants
• Farid Rahman
Pembahasan Publikasi Laporan Keuangan bank bjb Periode 31 Desember 2022
24 Februari 2023 • Diding Sakri
3 Discussion on the Publication of bank bjb Financial Reports for the Period of December
February 24, 2023 • Dewi Kania Sugiharti
31, 2022
• Wawan Hernawan
1. Pembahasan Evaluasi Pemenuhan Komitmen Tindak Lanjut atas Hasil Pemeriksaan
Pihak Eksternal Periode Triwulan IV Tahun 2022.
• Farid Rahman
2. Evaluasi Hasil Audit oleh Satuan Kerja Audit Internal Periode TW IV Tahun 2022
01 Maret 2023 • Diding Sakri
4 1. Discussion on Evaluation of Fulfilment of Follow-up Commitments on External Audit
March 01, 2023 • Dewi Kania Sugiharti
Results for the Fourth Quarter Period of 2022.
• Wawan Hernawan
2. Evaluation of Audit Results by the Internal Audit Work Unit for the Fourth Quarter of
2022
• Farid Rahman
Pembahasan Publikasi Laporan Keuangan bank bjb Periode 31 Maret 2023
27 April 2023 • Diding Sakri
5 Discussion of the Publication of bank bjb Financial Reports for the Period of March 31,
April 27, 2023 • Dewi Kania Sugiharti
2023
• Wawan Hernawan
1. Pembahasan Evaluasi Pemenuhan Komitmen Tindak Lanjut atas Hasil Pemeriksaan
Pihak Eksternal Periode Triwulan I Tahun 2023.
• Farid Rahman
2. Evaluasi Hasil Audit oleh Satuan Kerja Audit Internal Periode TW I Tahun 2023
6 Juni 2023 • Diding Sakri
6 1. Discussion on Evaluation of Fulfilment of Follow-up Commitments on External Audit
June 6, 2023 • Dewi Kania Sugiharti
Results for the First Quarter of 2023.
• Wawan Hernawan
2. Evaluation of Audit Results by the Internal Audit Work Unit for the First Quarter of
2023
Pembahasan Evaluasi Pelaksanaan Audit Oleh Kantor Akuntan Publik atas Laporan
Keuangan bank bjb Tahun 2022. (Menghadirkan KAP Amir Abadi Jusuf, Aryanto, Mawar • Farid Rahman
14 Juni 2023 dan Rekan) • Diding Sakri
7
June 14, 2023 Discussion of the Evaluation of Audit Implementation by the Public Accounting Firm on • Dewi Kania Sugiharti
the 2022 bank bjb Financial Report. (Presenting KAP Amir Abadi Jusuf, Aryanto, Mawar • Wawan Hernawan
and Partners)
Pembahasan Evaluasi Pelaksanaan Audit Oleh Kantor Akuntan Publik atas Laporan
Keuangan Dana Pensiun Lembaga Keuangan (DPLK) bank bjb Tahun 2022.
(Menghadirkan Kantor Akuntan Publik/KAP Kumalahadi, Kuncara, Sugeng Pamudji dan • Farid Rahman
20 Juni 2023 Rekan/KKSP) • Diding Sakri
8
June 20, 2023 Discussion of the Evaluation of the Audit Implementation by the Public Accounting Firm • Dewi Kania Sugiharti
on the Financial Reports of the 2022 bank bjb Financial Institution Pension Fund (DPLK). • Wawan Hernawan
(Presenting the Public Accounting Firm/KAP Kumalahadi, Kuncara, Sugeng Pamudji and
Rekan/KKSP)
Pembahasan Pengadaan Jasa Kantor Akuntan Publik Untuk Pemeriksaan Laporan • Farid Rahman
27 Juni 2023 Keuangan bank bjb Tahun Buku 2023 • Diding Sakri
9
June 27, 2023 Discussion on the Procurement of Public Accounting Firm Services for Auditing bank bjb’s • Dewi Kania Sugiharti
Financial Reports for the 2023 Financial Year • Wawan Hernawan
• Farid Rahman
Pembahasan Penerbitan Laporan Keuangan bank bjb Periode 30 Juni 2023
25 Juli 2023 • Diding Sakri
10 Discussion on the Publication of bank bjb Financial Reports for the Period of June 30,
July 25, 2023 • Dewi Kania Sugiharti
2023
• Wawan Hernawan
Pembahasan Penunjukan Kantor Akuntan Publik (KAP) Terkait Pendampingan Dalam • Farid Rahman
09 Agustus 2023 Rangka Penerbitan Surat Berharga Perpetual I bank bjb Tahun 2023. • Diding Sakri
11
August 09, 2023 Discussion on the Appointment of a Public Accounting Firm (KAP) Regarding Assistance in • Dewi Kania Sugiharti
the Issuance of bank bjb Perpetual Securities I in 2023. • Wawan Hernawan
1. Pembahasan Evaluasi Pemenuhan Komitmen Tindak Lanjut atas Hasil Pemeriksaan
Pihak Eksternal Periode Triwulan II Tahun 2023.
• Farid Rahman
2. Pembahasan Evaluasi Hasil Audit oleh Satuan Kerja Audit Internal (SKAI) Periode TW II
• Diding Sakri
20 September 2023 Tahun 2023.
12 • Fahlino F. Sjuib
September 20, 2023 1. Discussion on Evaluation of Fulfilment of Follow-up Commitments on External Audit
• Dewi Kania Sugiharti
Results for the Second Quarter Period of 2023.
• Wawan Hernawan
2. Discussion of the Evaluation of Audit Results by the Internal Audit Work Unit (SKAI)
for the QW II 2023 period.
1. Pembahasan Penerbitan Laporan Keuangan bank bjb Periode 30 September 2023
2. Pembahasan Permohonan Perubahan RBB Audit Teknologi Informasi Triwulan IV • Farid Rahman
Tahun 2023 • Diding Sakri
24 Oktober 2023
13 1. Discussion on the Publication of bank bjb Financial Reports for the Period of • Fahlino F. Sjuib
October 24, 2023
September 30, 2023 • Dewi Kania Sugiharti
2. Discussion of the Request for Changes to the RBB Information Technology Audit for • Wawan Hernawan
the Fourth Quarter of 2023
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Tanggal Agenda Peserta Rapat
No
Date Agendas Participants
1. Pembahasan Rencana Kerja dan Anggaran Tahunan (RKAT) Satuan Kerja Audit Internal
(SKAI) Tahun 2024.
2. Pembahasan Rekomendasi Penunjukan Kantor Akuntan Publik untuk Audit Laporan
Keuangan Dana Pensiun Lembaga Keuangan (DPLK) bank bjb Tahun 2023.
3. Pembahasan Rekomendasi Penunjukan Kantor Akuntan Publik untuk Audit Laporan • Farid Rahman
Keuangan bank bjb Tahun 2023 • Diding Sakri
14 November 2023
14 1. Discussion of the Annual Work Plan and Budget (RKAT) of the Internal Audit Work • Fahlino F. Sjuib
November 14, 2023
Unit (SKAI) for 2024. • Dewi Kania Sugiharti
2. Discussion of Recommendations for the Appointment of a Public Accounting Firm to • Wawan Hernawan
Audit the Financial Reports of bank bjb Financial Institution Pension Fund (DPLK) in
2023.
3. Discussion of Recommendations for the Appointment of a Public Accounting Firm to
Audit bank bjb’s Financial Statements in 2023
1. Pembahasan Evaluasi Pemenuhan Komitmen Tindak Lanjut atas Hasil Pemeriksaan
Pihak Eksternal Periode Triwulan II Tahun 2023.
• Farid Rahman
2. Pembahasan Evaluasi Hasil Audit oleh Satuan Kerja Audit Internal (SKAI) Periode TW II
• Diding Sakri
20 Desember 2023 Tahun 2023
15 • Fahlino F. Sjuib
December 20, 2023 1. Discussion on Evaluation of Fulfilment of Follow-up Commitments on External Audit
• Dewi Kania Sugiharti
Results for the Second Quarter Period of 2023.
• Wawan Hernawan
2. Discussion of Evaluation of Audit Results by the Internal Audit Work Unit (SKAI) for
the Q2 2023 Period
FREKUENSI DAN TINGKAT KEHADIRAN RAPAT FREQUENCY AND ATTENDANCE OF AUDIT
KOMITE AUDIT COMMITTEE MEETINGS
Selama tahun 2023, Komite Audit telah melaksanakan rapat During 2022, the Audit Committee has held 15 (fifteen) meetings.
sebanyak 15 (lima belas) kali. Adapun frekuensi dan tingkat The frequency and level of attendance of each member of the
kehadiran masing-masing anggota Komite Audit adalah sebagai Audit Committee are as follows.
berikut.
Tabel Tingkat Kehadiran Rapat Komite Audit
Table of Attendance Level on Audit Committee Meeting
Rapat Komite Audit
Audit Committee Meeting
Jumlah dan Persentase Kehadiran
Nama Jabatan
The Number and Attendance Percentage
Name Position
Jumlah Rapat
Jumlah Kehadiran Persentase
Number of
Number of Attendance Percentage
Meetings
Ketua Merangkap Anggota
Farid Rahman 15 15 100%
Chairman Concurrently Member
Anggota
Diding Sakri 15 15 100%
Member
Anggota
Fahlino F. Sjuib* 4 4 100%
Member
Anggota
Dewi Kania Sugiharti 15 15 100%
Member
Anggota
Wawan Hernawan 15 15 100%
Member
*Mulai menjabat sebagai anggota Komite Audit sejak tanggal 22 Agustus 2023
* Started serving as a member of the Audit Committee on August 22, 2023.
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Pelatihan dan/atau Peningkatan Kompetensi Audit Committee Training and/or Competency
Komite Audit Pada Tahun 2023 Improvement In 2023
Jenis Pelatihan dan Materi
Waktu dan Tempat
Pengembangan
Nama Jabatan Pelaksanaan Penyelenggara
Kompetensi /Pelatihan
Name Position Implementation Time Organizer
Types of Training and Competency
and Place
Development/ Training Materials
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau pelatihan
Ketua Merangkap Anggota anggota Dewan Komisaris
Farid Rahman
Chairman Concurrently Member Education and/or training can be seen in the Education and/or training section for members
of the Board of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau pelatihan
Anggota anggota Dewan Komisaris
Diding Sakri
Member Education and/or training can be seen in the Education and/or training section for members
of the Board of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau pelatihan
Anggota anggota Dewan Komisaris
Fahlino F. Sjuib
Member Education and/or training can be seen in the Education and/or training section for members
of the Board of Commissioners
Seminar Outlook Perekonomian Indonesia
Tahun 2024 Peluang dan Tantangan Medan, 07 Desember
Anggota Untuk BPD Seluruh Indonesia 2023
Dewi Kania Sugiharti FKDK BPDSI
Member Indonesian Economic Outlook Seminar in Medan, December 07,
2024 Opportunities and Challenges for 2023
BPDs throughout Indonesia
Seminar Outlook Perekonomian Indonesia
Tahun 2024 Peluang dan Tantangan Medan, 07 Desember
Anggota Untuk BPD Seluruh Indonesia 2023
Wawan Hernawan FKDK BPDSI
Member Indonesian Economic Outlook Seminar in Medan, December 07,
2024 Opportunities and Challenges for 2023
BPDs throughout Indonesia
Program Kerja dan Pelaksanaan Tugas Komite Work Programs and Implementation of The
Audit Tahun 2023 Duties of The Audit Committee in 2023
Dalam pelaksanaan tugas dan tanggung jawab Komite Audit The implementation of the duties and responsibilities of the Audit
selama tahun 2023 didasarkan pada program kerja yang telah Committee during 2023 is based on the work program that has
ditetapkan dimana program kerja tersebut bersifat rutin maupun been determined, where the work program is both routine and
insidentil. Program kerja tersebut diantaranya adalah: incidental. These work programs include:
1. Pemantauan dan evaluasi pelaksanaan audit internal sesuai 1. Monitoring and evaluating the implementation of internal
dengan rencana kerja dan anggaran Satuan Kerja Audit audits in accordance with the 2023 Internal Audit Work Unit
Internal (SKAI) tahun 2023 serta memberikan rekomendasi (SKAI) work plan and budget and providing recommendations
persetujuan atas Rencana Kerja Anggaran Tahunan (RKAT) for approval of the 2024 Annual Budget Work Plan (RKAT).
Tahun 2024.
2. Pemantauan dan evaluasi atas penerapan pengendalian 2. Monitoring and evaluating the implementation of internal
internal berdasarkan hasil audit yang dilakukan oleh SKAI. control based on the results of audits conducted by SKAI.
3. Komite audit melakukan evaluasi terhadap tindak lanjut 3. The audit committee evaluates the follow-up to the
pemenuhan komitmen atas hasil pemeriksaan pihak eksternal fulfillment of commitments based on the results of external
guna memastikan bahwa setiap temuan hasil pemeriksaan audits to ensure that every finding from external audits has
pihak eksternal telah ditindaklanjuti sesuai dengan komitmen been followed up in accordance with the commitments that
yang telah diberikan dan disepakati, serta berdasarkan hasil have been given and agreed upon, and based on monitoring
pemantauan bank bjb secara periodik telah melaporkan results, bank bjb has periodically reported on the follow-up of
tindak lanjut dari setiap temuan kepada pihak eksternal. each findings to external parties.
4. Memberikan Rekomendasi atas Penunjukan Kantor Akuntan 4. Providing Recommendations on the Appointment of a Public
Publik kepada Dewan Komisaris: Accounting Firm to the Board of Commissioners:
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a. Audit Pengelolaan Dana Corporate Social Responsibility a. Audit of Corporate Social Responsibility (CSR) Fund
(CSR) Tahun 2022. Management in 2022.
b. Kaji Ulang (review) Penerapan Fungsi Satuan Kerja Audit b. Evaluating (reviewing) the Implementation of Internal
Internal (SKAI). Audit Work Unit (SKAI) Functions.
c. Audit Laporan Keuangan bank bjb Tahun 2023. c. Bank bjb Financial Report Audit for 2023.
d. Audit Laporan Keuangan Dana Pensiun Lembaga d. Audit of bank bjb Financial Institution Pension Fund
Keuangan (DPLK) bank bjb Tahun 2023. (DPLK) Financial Reports for 2023.
e. Pendampingan Dalam Rangka Penerbitan Surat Berharga e. Assistance in the Issuance of bank bjb Perpetual Securities
Perpetual I bank bjb Tahun 2023. I in 2023.
5. Komite Audit melakukan evaluasi atas efektivitas pelaksanaan 5. The Audit Committee evaluates the effectiveness of the
audit eksternal termasuk penelaahan independensi dan external audit, including a review of the independence
objektivitas auditor eksternal serta penelaahan kecukupan and objectivity of the external auditor as well as a review
pemeriksaan yang dilakukan untuk memastikan semua risiko of the adequacy of the audits carried out to ensure that all
yang penting telah dipertimbangkan, pelaksanaan evaluasi important risks have been considered, and that the evaluation
kesesuaian pelaksanaan audit oleh kantor akuntan publik of the suitability implementation of the audit by the public
berdasarkan Peraturan Otoritas Jasa Keuangan No. 13/ accounting firm has been in line with the OJK Regulations
POJK.03/2017. Dari hasil pemantauan dan evaluasi Komite No. 13/POJK.03/2017. From the monitoring and evaluation
Audit, kantor akuntan publik telah melaksanakan sesuai results of the Audit Committee, the Public Accounting Firm
dengan Standar Audit yang berlaku. has implemented it following the applicable Audit Standards.
6. Komite Audit melakukan review terhadap draft laporan 6. The Audit Committee reviews the draft financial statements
keuangan publikasi bank bjb setiap triwulanan dan published by bank bjb every quarter and provides
memberikan rekomendasi kepada Dewan Komisaris. recommendations to the Board of Commissioners.
Pernyataan Komite Audit Atas Efektivitas SPI Statement of the Audit Committee on the
dan Manajemen Risiko Effectiveness of Internal Control System and
Risk Management
Sistem Pengendalian Internal dan Manajemen Risiko di bank The Internal Control and Risk Management System at bank bjb
bjb telah diimplementasikan dengan tujuan untuk memastikan was implemented with the aim of ensuring that management
aktivitas manajemen dalam mencapai tujuan organisasi berjalan activities in achieving organizational goals run effectively
secara efektif dan efisien. Efektivitas SPI tercermin pada and efficiently. The effectiveness of SPI was reflected in the
pencapaian pemenuhan tingkat kepatuhan bank terhadap achievement of compliance with the level of bank compliance
berbagai peraturan-peraturan yang berlaku baik yang bersifat with various applicable internal and external regulations set by
internal maupun eksternal yang ditetapkan oleh Otoritas Jasa the Financial Services Authority, effectiveness and efficiency of
Keuangan, efektivitas dan efisiensi kegiatan operasional bank, bank operational activities, implementation of risk management
penerapan manajemen risiko pada semua unit organisasi, in all organizational units, availability of information and financial
ketersediaan informasi dan laporan keuangan secara lengkap, reports on a regular basis complete, timely and accurate, so that
tepat waktu dan akurat, sehingga kegiatan bank berjalan dengan bank activities run smoothly and sustainably from time to time.
lancar dan berkesinambungan (sustainable) dari waktu ke waktu.
Dewan komisaris selalu melakukan pemantauan dan pengawasan The Board of Commissioners always monitored and supervised
terhadap pelaksanaan sistem pengendalian internal dan the implementation of the internal control system and risk
manajemen risiko secara umum termasuk berbagai kebijakan management in general, including the various policies set by the
yang ditetapkan Direksi, untuk memastikan proses pengendalian Directors, to ensure that the bank’s internal control process and
internal bank dan penerapan manajemen risiko bank berjalan the implementation of bank risk management run effectively and
secara efektif dan efisien. Dalam menjalankan tugasnya, Dewan efficiently. In carrying out its duties, the Board of Commissioners
Komisaris dibantu oleh Komite Audit dan Komite Pemantau Risiko. was assisted by the Audit Committee and the Risk Monitoring
Committee.
Pada pelaksanaannya, Direksi, Unit-unit kerja terkait, dan Satuan In practice, the Directors, related work units, and the Internal
Kerja Audit Internal (SKAI) selalu melakukan pemantauan secara Audit Unit (SKAI) always carried out regular and continuous
rutin dan berkesinambungan terhadap pelaksanaan pengendalian monitoring of the implementation of bank internal control by
internal bank dengan membandingkan sasaran dengan realisasi. comparing targets with realization. The main bank risks became a
Risiko-risiko utama bank telah menjadi perhatian utama agar major concern so that they could be identified early by preparing
dapat diidentifikasi secara dini dengan menyiapkan berbagai various mitigations to overcome these risks. The Internal Audit
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TATA KELOLA
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mitigasi untuk mengatasi risiko-risiko tersebut. Satuan Kerja Audit Unit, as a vital organizational organ of the bank and supported
Internal yang merupakan organ organisasi vital bank dengan by competent resources with adequate certification, effectively
didukung sumber daya yang kompeten dengan sertifikasi yang and efficiently carried out the internal audit function of all
memadai, secara efektif dan efisien menjalankan fungsi audit organizational units both at the head and branches and always
internal terhadap keseluruhan unit-unit organisasi baik di pusat submitted audit findings to the Audit Committee and Directors in
maupun cabang dan selalu menyampaikan hasil temuan audit charge so that it could be followed up quickly and precisely. The
kepada Komite Audit dan Direksi yang membidangi agar dapat Audit Committee as an organ assisting the Commissioners always
ditindaklanjuti secara cepat dan tepat. Komite Audit sebagai monitored the effectiveness of the Internal Audit and ensureed
organ yang membantu Komisaris selalu melakukan pemantauan that the implementation of the internal audit went according to
atas efektivitas jalannya Audit Internal dan memastikan bahwa the plan set at the beginning of each year.
pelaksanaan Audit internal berjalan sesuai dengan rencana yang
ditetapkan setiap awal tahun.
Secara umum komitmen secara menyeluruh dan In general, the overall and continuous commitment to
berkesinambungan dalam melaksanakan sistem pengendalian implementing the Company internal control and risk management
internal dan manajemen risiko Bank telah dijalankan dengan system had been carried out properly and adequately by all
baik dan memadai oleh seluruh jajaran manajemen, dalam hal ini levels of management, in this case the Company Directors and
direksi dan pejabat Bank, serta seluruh karyawan Bank terutama officers, as well as all the Company employees, especially units
unit-unit terkait dengan pemantauan intensif yang dilakukan oleh related to intensive monitoring carried out by the Bank Board of
Dewan Komisaris dari waktu ke waktu secara berkesinambungan. Commissioners from time to time on an ongoing basis.
Komite Nominasi dan Remunerasi The Nomination and Remuneration
Committee
Komite Nominasi dan Remunerasi merupakan salah satu alat The Nomination and Remuneration Committee is one of the
kelengkapan Dewan Komisaris yang berfungsi untuk membantu equipment of the Board of Commissioners which functions to
Dewan Komisaris dalam melaksanakan fungsi dan tugasnya assist the Board of Commissioners in carrying out its functions
di bidang yang berkaitan dengan nominasi dan remunerasi and duties in areas related to nomination and remuneration of
terhadap anggota Direksi dan Dewan Komisaris. Peraturan members of the Board of Directors and Board of Commissioners.
Otoritas Jasa Keuangan mewajibkan bank untuk membentuk Financial Services Authority regulations require banks to form a
Komite Nominasi dan Remunerasi sebagai penerapan good Nomination and Remuneration Committee as an implementation
corporate governance sehingga bank dapat dikelola berlandaskan of good corporate governance so that banks can be managed
prinsip-prinsip keterbukaan, akuntabilitas, pertanggungjawaban, based on the principles of openness, accountability, responsibility,
independensi dan kewajaran sehingga pengelolaan bank dapat independence and fairness so that bank management can be held
dipertanggungjawabkan. accountable.
Dasar Pembentukan Komite Nominasi dan Duties and Responsibilities of the Nomination
Remunerasi and Remuneration Committee
Komite Nominasi dan Remunerasi Perseroan dibentuk berdasarkan: The Company’s Nomination and Remuneration Committee was
formed based on:
1. Peraturan Otoritas Jasa Keuangan nomor 34/POJK.04/2014 1. OJK Regulation number 34/ POJK.04/2014 dated December
tanggal 08 Desember 2014 tentang Komite Nominasi dan 8, 2014 concerning the Nomination and Remuneration
Remunerasi Emiten atau Perusahaan Publik. Committee of Issuers or Public Companies.
2. Peraturan Otoritas Jasa Keuangan Nomor 17 Tahun 2023 2. OJK Regulation Number 17 of 2023 concerning Application of
tentang Penerapan Tata Kelola bagi Bank Umum. Governance for Commercial Banks.
3. Surat Keputusan Dewan Komisaris PT Bank Pembangunan 3. Decree of the Board of Commissioners of PT Regional
Daerah Jawa Barat dan Banten, Tbk. Nomor 02/SK/DK/2016 Development Bank West Java and Banten, Tbk. Number 02/SK/
tanggal 04 Februari 2016 tentang Pembentukan Komite DK/2016 dated February 04, 2016 concerning Establishment
Nominasi dan Remunerasi. of the Nomination and Remuneration Committee.
4. Surat Keputusan Dewan Komisaris PT Bank Pembangunan 4. Decree of the Board of Commissioners of PT Bank
Daerah Jawa Barat dan Banten, Tbk. Nomor 01/SK/ Pembangunan Daerah Jawa Barat and Banten, Tbk. Number
DKO/2021 tanggal 7 April 2021 tentang Pembagian Tugas 01/SK/DKO/2021, dated April 7, 2021, concerning the
dan pelaksanaan Kegiatan Dewan Komisaris serta Komite- division of duties and implementation of the activities of the
Komite sebagaimana telah diubah terakhir dengan surat Board of Commissioners and committees as last amended
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Keputusan Dewan Komisaris PT Bank Pembangunan Daerah by decree of the Board of Commissioners of PT Bank
Jawa Barat dan Banten, Tbk. Nomor 04/SK/DKO/2023 tanggal Pembangunan Daerah Jawa Barat and Banten, Tbk. Number
22 Agustus 2023 tentang Pembagian Tugas dan pelaksanaan 06/SK/DKO/2022, dated November 4, 2022, concerning the
Kegiatan Dewan Komisaris serta Komite-Komite. distribution of duties and implementation of the activities of
the Board of Commissioners and Committees.
Pedoman dan Tata Tertib Kerja Komite Guidelines and Work Rules of the Nomination
Nominasi dan Remunerasi and Remuneration Committee
Agar Komite Nominasi dan Remunerasi dapat bekerja secara To ensure the Nomination and Remuneration Committee is
efektif, maka Komite Nominasi dan Remunerasi harus mempunyai able to work effectively, the Nomination and Remuneration
suatu pedoman yang mengatur secara jelas peran dan tanggung Committee must have a guideline that clearly regulates the roles
jawab komite dan lingkup kerjanya, yang ditetapkan atas and responsibilities of the committee and its scope of work,
keputusan rapat Dewan Komisaris bank bjb. Pedoman kerja which is determined by the decision of the bank bjb Board of
dan Tata Tertib Kerja Komite Nominasi dan Remunerasi diatur Commissioners’ meeting. The Work Guidelines and Code of
dalam Surat Keputusan Dewan Komisaris bank bjb nomor 03/ Conduct of the Nomination and Remuneration Committee
SK/DKO/2022 tanggal 4 Januari 2022 tentang Pedoman dan Tata are regulated in the Decree of the Board of Commissioners of
Tertib Kerja Komite Nominasi dan Remunerasi. bank bjb number 03/SK/DKO/2022 dated January 4, 2022,
concerning Guidelines and Code of Conduct of the Nomination
and Remuneration Committee.
Tugas dan Tanggung Jawab Komite Nominasi Duties and Responsibilities of the Nomination
dan Remunerasi and Remuneration Committee
Berdasarkan Pedoman dan Tata Tertib Kerja Komite Nominasi dan Based on the Guidelines and Work Rules of the Nomination
Remunerasi 03/SK/DKO/2022 tanggal 4 Januari 2022, Komite and Remuneration Committee 03/SK/DKO/2022 dated January
Nominasi dan Remunerasi memiliki Tugas, Tanggung Jawab, 4, 2022, the Nomination and Remuneration Committee has
Wewenang dan Standar Etika Sebagai berikut: the following Duties, Responsibilities, Authorities and Ethical
Standards:
Tugas dan Tanggung Jawab Duties and responsibilities
1. Komite Nominasi dan Remunerasi memiliki tugas dan 1. The Nomination and Remuneration Committee has the
tanggung jawab untuk menyusun dan melaksanakan rencana duties and responsibilities of preparing and implementing
kerja tahunan Komite Nominasi dan Remunerasi sesuai arahan the Nomination and Remuneration Committee’s annual
Dewan Komisaris dan ketentuan yang berlaku di Bank. work plan in accordance with the directions of the Board of
Commissioners and the provisions in force at the Bank.
2. Komite Nominasi dan Remunerasi bertanggung jawab kepada 2. The Nomination and Remuneration Committee is responsible
Dewan Komisaris to the Board of Commissioners.
3. Komite Nominasi dan Remunerasi wajib bertindak independen 3. The Nomination and Remuneration Committee must act
dalam melaksanakan tugasnya. independently in carrying out its duties.
A. Tugas yang terkait dengan Nominasi, yaitu: A. Tasks related to Nominations, namely:
1. Memberikan rekomendasi pemberhentian, pengisian, 1. Provide recommendations for dismissal, filling and
dan penggantian Pengurus untuk disampaikan atas nama replacement of Management to be submitted on behalf of
Dewan Komisaris kepada RUPS. the Board of Commissioners to the GMS.
2. Memberikan rekomendasi mengenai komposisi jabatan 2. Provide recommendations regarding the composition of
anggota Direksi dan/atau anggota Dewan Komisaris positions of members of the Directors and/or members of the
Board of Commissioners.
3. Memberikan usulan yang memenuhi syarat sebagai 3. Provide proposals that met the requirements as members of
anggota Dewan Komisaris dan/atau anggota Direksi the Board of Commissioners and/or members of the Directors
kepada Dewan Komisaris untuk disampaikan kepada to the Board of Commissioners to be submitted to the GMS.
RUPS.
4. Menyusun dan memberikan rekomendasi mengenai 4. Compile and provide recommendations regarding systems
sistem dan prosedur pemilihan dan/atau penggantian and procedures for selecting and/or replacing members of the
anggota Pengurus kepada Dewan Komisaris untuk Management to the Board of Commissioners to be submitted
disampaikan kepada RUPS. to the GMS.
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5. Memberikan rekomendasi mengenai Pihak Independen 5. Provide recommendations regarding Independent Parties
yang akan menjadi calon anggota Komite kepada Dewan who will become candidates for Committee members to
Komisaris. the Board of Commissioners.
6. Memberikan rekomendasi kepada Dewan Komisaris 6. Provide recommendations to the Board of Commissioners
mengenai kebijakan evaluasi kinerja bagi anggota Direksi regarding performance evaluation policies for members
dan/atau anggota Dewan Komisaris of the Directors and/or members of the Board of
Commissioners
7. Membantu Dewan Komisaris melakukan penilaian kinerja 7. Assist the Board of Commissioners in assessing the
anggota Direksi dan/atau anggota Dewan Komisaris performance of members of the Directors and/or members
berdasarkan tolak ukur yang telah disusun sebagai bahan of the Board of Commissioners based on benchmarks
evaluasi that have been prepared as evaluation materials.
8. Memberikan rekomendasi mengenai program 8. Provide recommendations regarding capacity building
pengembangan kemampuan anggota Direksi dan/atau programs for members of the Directors and/or members
anggota Dewan Komisaris of the Board of Commissioners
B. Tugas yang terkait dengan Remunerasi, yaitu: B. Duties related to Remuneration, namely:
1. Mempelajari ketentuan dan peraturan perundang- 1. Studying the rules and regulations that apply in the
undangan yang berlaku dalam kebijakan remunerasi, remuneration policy, the determination of facilities and
penetapan fasilitas dan tunjangan lainnya. other benefits.
2. Memberikan rekomendasi kepada Dewan Komisaris 2. Provide recommendations to the Board of Commissioners
mengenai: regarding:
a. Struktur remunerasi a. Remuneration structure
b. Kebijakan atas remunerasi b. Policy on remuneration
c. Besaran atas remunerasi c. The amount of remuneration
3. Penyusunan struktur, kebijakan, dan besaran remunerasi 3. Preparation of the structure, policy and amount of
sebagaimana yang dimaksud pada angka 2) harus remuneration as referred to in number 2) must pay
memperhatikan: attention to:
a. Remunerasi yang berlaku pada industri sesuai dengan a. Remuneration that applies to the industry is in
kegiatan usaha perusahaan sejenis dan skala usaha accordance with the business activities of similar
perusahaan dalam industri. companies and the business scale of the company in
the industry.
b. Tugas, tanggung jawab, dan wewenang anggota b. The duties, responsibilities, and authority of members
Direksi dan/atau anggota Dewan Komisaris dikaitkan of the Directors and/or members of the Board of
dengan pencapaian tujuan dan kinerja perusahaan Commissioners related to the achievement of the
goals and performance of the company.
c. Target kinerja atau kinerja masing – masing anggota c. Performance targets or the performance of each
Direksi dan/atau anggota Dewan Komisaris member of the Directors and/or members of the
Board of Commissioners.
d. Keseimbangan tunjangan yang bersifat tetap dan d. The balance of fixed and variable allowances
bersifat variabel
4. Membantu Dewan Komisaris melakukan penilaian kinerja 4. Assisting the Board of Commissioners in evaluating
dengan kesesuaian remunerasi yang diterima masing performance according to the remuneration received by
– masing anggota Direksi dan/atau anggota Dewan each member of the Directors and/or members of the
Komisaris Board of Commissioners.
5. Mengevaluasi struktur, kebijakan, dan besaran remunerasi 5. Evaluate the structure, policies and remuneration amount
yang berlaku pada Bank paling kurang 1 (satu) tahun applicable to the Bank at least once a year.
sekali
6. Memberikan rekomendasi kepada Dewan Komisaris 6. Provide recommendations to the Board of Commissioners
mengenai: regarding:
a. Kebijakan remunerasi berupa gaji, fasilitas dan a. Remuneration policy in the form of salary, facilities
tunjangan lainnya bagi Dewan Komisaris dan Direksi and other benefits for the Board of Commissioners
untuk disampaikan kepada RUPS. and Directors submitted to the GMS.
b. Kebijakan remunerasi bagi pejabat eksekutif dan b. Remuneration policy for executive officers and
pegawai secara keseluruhan untuk disampaikan employees as a whol submitted to the Directors
kepada Direksi melalui Dewan Komisaris. through the Board of Commissioners.
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7. Rekomendasi sebagaimana dimaksud dalam angka 6) 7. Recommendations as referred to in number 6) are submitted
disampaikan dengan memperhatikan kinerja, risiko, with regard to performance, risk, fairness with peer groups,
kewajaran dengan peer group, sasaran, strategi jangka targets, Bank’s long-term strategy, fulfillment of reserves as
panjang Bank, pemenuhan cadangan sebagaimana diatur regulated in applicable laws and regulations.
dalam peraturan perundang-undangan yang berlaku;
8. Membantu Dewan Komisaris melakukan penilaian kinerja 8. Assisting the Board of Commissioners in evaluating
dengan kesesuaian remunerasi yang diterima masing performance according to the remuneration received by each
– masing anggota Direksi dan/atau anggota Dewan member of the Directors and/or members of the Board of
Komisaris. Commissioners.
9. Memberikan rekomendasi kepada Dewan Komisaris atas 9. Providing recommendations to the Board of Commissioners
kebijakan remunerasi pegawai Bank secara keseluruhan on the overall remuneration policy for Bank employees to be
untuk disampaikan kepada Direksi. submitted to the Directors.
10. Memastikan bahwa kebijakan remunerasi telah sesuai 10. Ensuring that the remuneration policy complies with the
dengan ketentuan. provisions.
C. Evaluasi Kinerja Dewan Komisaris dan Direksi C. Performance Evaluation of the Board of Commissioners
and Directors
1) Tugas dan Tanggung Jawab Dewan Komisaris 1) Duties and Responsibilities of the Board of Commissioners
a. Dewan Komisaris wajib melaksanakan tugas dan a. The Board of Commissioners is obliged to carry out its
tanggung jawab secara independen. duties and responsibilities independently.
b. Dewan Komisaris wajib melaksanakan pengawasan b. The Board of Commissioners is obliged to supervise
terhadap pelaksanaan tugas dan tanggung jawab the implementation of the duties and responsibilities
Direksi serta memberikan nasihat kepada Direksi. of the Board of Directors and provide advice to the
Board of Directors.
c. Dalam melaksanakan pengawasan tersebut, Dewan c. In carrying out this supervision, the Board of
Komisaris wajib mengarahkan, memantau dan Commissioners is obliged to direct, monitor and
mengevaluasi pelaksanaan kebijakan strategis Bank. evaluate the implementation of the Bank’s strategic
policies.
2) Indikator Penilaian Dewan Komisaris 2) Assessment Indicators of Board of Commissioners
a. Penilaian kinerja Dewan Komisaris dilakukan 1 (satu) a. The performance appraisal of the Board of
kali dalam satu tahun setiap akhir tahun buku baik Commissioners was carried out 1 (once) a year at
secara kolektif kolegial maupun individu. the end of each financial year, both collectively and
individually.
b. Penilaian kinerja menjadi dasar pertimbangan dalam b. Performance appraisal was the basis for consideration
pemberian remunerasi khususnya tantiem in providing remuneration, especially bonuses
c. Indikator dan bobot penilaian kinerja Dewan c. Indicators and weights for evaluating the Board of
Komisaris: Commissioners’ performance:
1. Tugas dan Tanggung Jawab Direksi 1. Duties and Responsibilities of the Board of Directors
Direksi bertugas menjalankan dan bertanggung jawab atas The Board of Directors is assigned to perform and be
pengurusan Perusahaan untuk kepentingan perusahaan responsible for the management of the Company for the
sesuai dengan maksud dan tujuan perusahaan interests of the company in accordance with the purposes
and objectives of the company
2. Penilaian Kinerja Direksi 2. Assessment Indicators of Directors
a. Penilaian kinerja Direksi dilakukan 1 (satu) kali dalam a. The performance assessment of the Directors is
satu tahun setiap akhir tahun buku baik secara conducted 1 (once) in a year at the end of the
kolektif kolegial maupun individu. financial year, both collectively and individually.
b. Penilaian kinerja menjadi dasar pertimbangan dalam b. The performance assessment is the basis for
pemberian remunerasi khususnya tantiem consideration in providing remuneration, especially
tantiem
c. Indikator dan bobot penilaian kinerja Direksi. c. Indicators and weights for assessing the performance
of the Board of Directors
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d. Untuk penilaian kinerja Direksi secara individual d. To assess the performance of Directors individually,
disamping menggunakan parameter sebagaimana while using the parameters in the table above, it
tabel di atas, dapat juga menggunakan hasil balance also use the results of the balanced scorecard from
scorecard dari masing-masing Direktorat sebagai each Directorate as a reference for assessing the
referensi penilaian terhadap efektivitas pelaksanaan effectiveness of each of the Directors’ implementation
tugas dan tanggung jawab masing-masing Direktur of duties and responsibilities towards his/her
terhadap Direktoratnya. Directorate.
e. Parameter lainnya sesuai dengan kondisi tertentu dan e. Other parameters in accordance with certain
ketentuan yang berlaku condition and the applicable provisions.
D. Struktur Remunerasi D. Remuneration Structure
Berdasarkan keputusan Rapat Umum Pemegang Saham, Based on the decision of the General Meeting of Shareholders,
struktur remunerasi Dewan Komisaris dan Direksi adalah: the remuneration structure of the Board of Commissioners
and Directors include the following:
1. Gaji 1. Salary
2. Tantiem 2. Percentage share of profit (Tantiem)
3. Fasilitas kendaraan 3. Vehicle facilities
4. Tunjangan pajak 4. Tax benefits
5. Tunjangan Hari Raya (THR) 5. Holiday Allowance (THR)
6. Tunjangan Hari Tua 6. Old-Age Benefits
7. Tunjangan Pakaian Dinas 7. Service Clothes Benefits
8. Uang Penghargaan 8. Award Money
9. Honorarium Rapat 9. Meeting Honorarium
10. Perjalanan Dinas 10. Official Travel
11. Manfaat Pensiun 11. Retirement/Pension Benefits
12. Asuransi Jabatan 12. Job Insurance
13. Biaya Pendidikan dan Pelatihan 13. Education and Training Costs
14. Fasilitas Kesehatan dan Medical Check Up 14. Health and Medical Check-Up Facilities
15. Fasilitas Rumah Dinas dan penginapan 15. Official House and lodging facilities
16. Fasilitas Komunikasi 16. Communication Facilities
17. Insentif Prestasi Kerja 17. Work Performance Incentives
Pembagian remunerasi berdasarkan penilaian kinerja The distribution of remuneration based on the Management’s
Pengurus dikenakan pada Tantiem dan Insentif Prestasi Kerja performance assessment is subject to Tantiem and Work
(IPK) Performance Incentives (IPK)
E. Dalam hal pelaksanaan tata kelola dana pensiun, E. In terms of implementing retirement fund governance,
Komite Nominasi dan Remunerasi bertugas sebagai: the Nomination and Remuneration Committee has the
duty as:
1. Fasilitator bagi Dewan Pengawas dalam membantu 1. Facilitator of the Board of Trustees in assisting the Founder
Pendiri untuk menetapkan kriteria dan memilih calon to set criteria and select candidates for the Supervisory
Dewan Pengawas atau Pelaksana Tugas Pengurus. Board or Management task executors.
2. Fasilitator bagi Dewan Pengawas dalam membantu 2. Facilitator of the Board of Trustees in assisting the Founder
Pendiri untuk menetapkan sistem remunerasi. to establish a remuneration system.
f. Pelaksanaan Tugas Khusus f. Special Tasks Implementation
1. Melakukan tugas lain yang diberikan Dewan Komisaris 1. Performing other tasks assigned by the Board of
dalam batasan lingkup kerja Komite Nominasi dan Commissioners within the limits of the scope of work
Remunerasi sesuai ketentuan perundang-undangan of the Nomination and Remuneration Committee in
dan Peraturan Otoritas Jasa Keuangan/Peraturan Bank accordance with the applicable laws and regulations
Indonesia yang berlaku. of the Financial Services Authority/Bank Indonesia
Regulation.
2. Dalam hal keperluan penugasan yang diberikan Dewan 2. In the case of the assignment requirements given by
Komisaris, maka Komite Nominasi dan Remunerasi dapat the Board of Commissioners, the Nomination and
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menggunakan jasa pihak ketiga yang kompeten dan Remuneration Committee can use the services of
independen. competent and independent third parties.
3. Menyampaikan laporan pelaksanaan tugas khusus 3. Submitting a report on the implementation of special
kepada Dewan Komisaris. tasks to the Board of Commissioners.
Wewenang Komite Nominasi dan Remunerasi Authority of Nomination and Remuneration
Committee
Komite Nominasi dan Remunerasi memiliki wewenang sebagai The Nomination and Remuneration Committee has the following
berikut: authority:
1. Komite Nominasi dan Remunerasi berwenang untuk 1. The Nomination and Remuneration Committee obtain the
mengakses informasi seluas-luasnya terkait dengan proses authority to access the widest possible information related to
remunerasi, nominasi dan pengelolaan SDM Bank. the remuneration, nomination and HR management process
of the Bank.
2. Melakukan assessment dan memberikan rekomendasi 2. Conducting assessments and providing recommendations on
tentang calon yang berhubungan dengan proses nominasi candidates related to the nomination process for members
anggota Dewan Komisaris dan Direksi serta Pihak Independen of the Board of Commissioners and Directors as well as
untuk anggota komite-komite. Independent Parties for the committees’ members.
Standar Etika Ethical Standards
1. Anggota Komite Nominasi dan Remunerasi wajib 1. Members of the Nomination and Remuneration Committee
merahasiakan informasi yang diperoleh sesuai dengan were required to keep the information obtained in accordance
peraturan perundang-undangan yang berlaku. with the prevailing laws and regulations confidential.
2. Anggota Komite Nominasi dan Remunerasi dalam 2. Members of the Nomination and Remuneration Committee
melaksanakan tugas dan tanggung jawabnya wajib menaati in carrying out their duties and responsibilities had to comply
standar etika Bank dan dilarang mengambil keuntungan with the Bank’s ethical standards and were prohibited from
pribadi baik secara langsung maupun tidak langsung dari taking personal gain either directly or indirectly from the Bank’s
kegiatan Bank selain honorarium dan/atau tunjangan lainnya activities other than honorarium and/or other allowances in
sesuai dengan peraturan perundang-undangan dan Peraturan accordance with laws and regulations and Financial Services
Otoritas Jasa Keuangan/Peraturan Bank Indonesia yang Authority Regulations/Applicable Bank Indonesia Regulations.
berlaku.
Masa Jabatan Komite Nominasi dan Term of Service of the Nomination and
Remunerasi Remuneration Committee
Masa jabatan anggota komite di bawah Dewan Komisaris yang The term of office of committee members under the Board of
menjabat sebagai Dewan Komisaris yaitu sama seperti masa Commissioners who served as the Board of Commissioners was
jabatan sebagai Dewan Komisaris, sedangkan untuk anggota the same as the term of office as the Board of Commissioners,
Komite yang berasal dari pihak independen masa jabatannya while for Committee members who came from independent
selama 2 (dua) tahun. parties the term of office was 2 years.
Struktur, Keanggotaan dan Keahlian Komite Structure, Membership, and Expertise of the
Nominasi dan Remunerasi Nomination and Remuneration Committee
Struktur keanggotaan Komite Nominasi dan Remunerasi The membership structure of the Nomination and Remuneration
berdasarkan Pedoman Kerja dan Tata Tertib Komite Nominasi dan Committee is based on the Work Guidelines and Rules of Procedure
Remunerasi, yaitu: of the Nomination and Remuneration Committee, namely:
1. Komite Nominasi dan Remunerasi paling kurang terdiri dari 3 1. The Nomination and Remuneration Committee consists of at
(tiga) orang anggota, dengan ketentuan: least 3 (three) members, with conditions:
a. 1 (satu) orang ketua merangkap anggota, yang a. 1 (one) chairperson and also a member who is an
merupakan Komisaris Independen; dan Independent Commissioner; and
b. Anggota lainnya yang dapat berasal dari: b. Other members who can come from:
- Anggota Dewan Komisaris - Member of the Board of Commissioners
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- Pihak independen yang berasal dari luar bank - Member of the Board of Commissioners bank circle
- Pemimpin Divisi yang membidangi Sumber Daya - Division Leader in charge of Human Resources.
Manusia.
2. Anggota Komite Nominasi dan Remunerasi lainnya 2. Cost of the members of the Nomination and Remuneration
sebagian besar tidak dapat berasal dari pihak yang Committee should not be coming from parties who hold
menduduki jabatan manajerial di bawah Direksi yang managerial positions under the Directors in charge of
membidangi Sumber Daya Manusia. Human Resources.
3. Anggota Direksi Emiten atau Perusahaan Publik tidak 3. Members of the Directors of an Issuer or Public Company
dapat menjadi anggota Komite Nominasi dan Remunerasi. cannot be members of the Nomination and Remuneration
Committee.
4. Dalam melaksanakan tugas sehari-hari, Komite Nominasi 4. While conducting its daily duties, the Nomination and
dan Remunerasi dibantu oleh Pemimpin Bagian yang Remuneration Committee is assisted by the Section Head
membidangi Sumber Daya Manusia serta Kesekretariatan in charge of Human Resources and the Secretariat of the
Dewan Komisaris yang berasal dari internal Bank, Board of Commissioners, coming from internal Bank,
berdasarkan Surat Keputusan Dewan Komisaris. based on the Decree of the Board of Commissioners.
Keanggotaan Membership
1. Anggota Komite Nominasi dan Remunerasi diangkat dan 1. Members of the Nomination and Remuneration Committee
diberhentikan berdasarkan keputusan rapat Dewan Komisaris. are appointed and dismissed based on the decision of the
Board of Commissioners meeting.
2. Anggota Komite Nominasi dan Remunerasi yang berasal dari 2. Members of the Nomination and Remuneration Committee
luar Emiten atau Perusahaan Publik sebagaimana dimaksud beyond Public Company circle as referred to in paragraph (1)
pada ayat (1) huruf b angka 2 wajib memenuhi syarat: letter b number 2 must meet the following requirements:
a. Tidak mempunyai hubungan Afiliasi dengan Emiten atau a. Has no affiliation with the Issuer or Public Company,
Perusahaan Publik, anggota Direksi, anggota Dewan members of the Directors, members of the Board of
Komisaris, atau Pemegang Saham Utama Emiten atau Commissioners, or Major Shareholders of the Issuer or
Perusahaan Publik tersebut; Public Company;
b. Memiliki pengalaman terkait Nominasi dan/atau b. Having experience related to Nomination and/or
Remunerasi; dan Remuneration; and
c. Tidak merangkap jabatan sebagai anggota komite lainnya c. Not concurrently serving as another committee member
yang dimiliki Emiten atau Perusahaan Publik tersebut. owned by the Issuer or Public Company.
3. Ketua dan Anggota Komite Nominasi dan Remunerasi yang 3. The Chairperson and Members of the Nomination and
berasal dari unsur Dewan Komisaris ditetapkan dalam sebuah Remuneration Committee originating from elements of the
keputusan Dewan Komisaris tentang pembagian kerja Board of Commissioners are stipulated in a decision of the
anggota Dewan Komisaris. Board of Commissioners regarding the division of work of
members of the Board of Commissioners.
4. Ketua Komite Nominasi dan Remunerasi berhak mengusulkan 4. The Chairperson of the Nomination and Remuneration
kepada Dewan Komisaris untuk melakukan penggantian Committee has the right to propose to the Board of
anggota Komite Nominasi dan Remunerasi. Commissioners to replace the Nomination and Remuneration
Committee members.
5. Keputusan pengangkatan dan pemberhentian anggota 5. The decision to appoint and dismiss members of the Nomination
Komite Nominasi dan Remunerasi wajib didokumentasikan and Remuneration Committee must be documented by the
oleh Kesekretariatan Dewan Komisaris. Secretariat of the Board of Commissioners.
Pada tahun 2023 susunan Keanggotaan Komite Nominasi dan In 2023, the composition of the Nomination and Remuneration
Remunerasi (KNR) terjadi beberapa kali perubahan diantaranya Committee (KNR) membership had several changes, as follows:
adalah sebagai berikut:
1. Berakhirnya masa jabatan Anggota KNR dari Pihak Independen 1. The term of office of KNR members from the Independent
Sdri Ernie Tisnawati Sule pada tanggal 28 Februari 2023. Party, Ernie Tisnawati Sule, ended dated February 28, 2023.
2. Pengangkatan Anggota KNR dari Pihak Independen AN. Sunu 2. Appointment of KNR members from the Independent Party,
Widianto terhitung mulai tanggal 28 Februari 2023. AN Sunu Widianto started dated February 28, 2023.
3. Diberhentikan dengan hormat Sdr. Muhadi sebagai Komisaris 3. Honorably dismissed, Mr. Muhadi as Commissioner of bank
bank bjb berdasarkan salah satu keputusan RUPS Luar Biasa bjb based on one of the resolutions of the 2023 Extraordinary
Tahun 2023 tanggal 25 Mei 2023. GMS dated 25 May 2023.
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4. Pengangkatan Sdr. Rudie Kusmayadi dan Sdr. Tomsi Tohir 4. Appointment of Mr. Rudie Kusmayadi and Mr. Tomsi Tohir as
sebagai Komisaris bank bjb berdasarkan salah satu keputusan Commissioner of bank bjb, based on one of the resolutions
RUPS Luar Biasa Tahun 2023 tanggal 25 Mei 2023 dan efektif of the 2023 Extraordinary GMS dated May 25, 2023, and
menjabat pada tanggal 09 Agustus 2023 effective since dated August 9, 2023
Berdasarkan hal tersebut ditindaklanjuti dengan Surat Keputusan Based on the following issues, Decree of the Board of
Dewan Komisaris No. 04/SK/DKO/2022 tanggal 22 Agustus 2023 Commissioners No. 04/SK/DKO/2022 dated August 22, 2023
tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan concerning the Distribution of Duties and Implementation of the
Dewan Komisaris serta Komite – komite, sehingga pada periode Activity Schedule for the Board of Commissioners and Committees
31 Desember 2023 komposisi Komite Nominasi dan Remunerasi was followed up so that the composition of the Nomination and
menjadi sebagai berikut: Remuneration Committee as of December 31, 2023 is as follows:
Nama Jabatan Keterangan Keahlian
No.
Name Position Information Expertise
Ketua merangkap
Komisaris Utama Independen
Anggota Manajemen, Perbankan dan Keuangan
1. Farid Rahman Independent President
Chairman concurrently Management, Banking and Finance
Commissioner
member
Anggota Komisaris Teknik dan Manajemen
2. Rudie Kusmayadi
member Commissioner Engineering and Management
Anggota Komisaris Teknik dan Perbankan
3. Setiawan Wangsaatmaja
member Commissioner Engineering and Banking
Anggota Komisaris Kepolisan dan Managerial
4. Tomsi Tohir
member Commissioner Police and Managerial
Anggota Komisaris Independen Peneliti, Keuangan, dan Ekonomi
5. Diding Sakri
member Independent Commissioner Researcher, Finance, and Economics
Anggota Komisaris Independen Ekonomi dan Akuntansi
6. Fahlino F Sjuib
member Independent Commissioner Economics and Accounting
Anggota Pihak Independen Manajemen
7. Sunu Widianto
member Independent Party Management
Ex-Officio Pemimpin Divisi Human
Anggota Capital Hukum dan Sumber Daya Manusia
8. Dadan Yonanda
member Ex-Officio Head of Human Capital Law and Human Resources
Division
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Profil Komite Nominasi dan Remunerasi Profile of the Nomination and Remuneration
Committee
Farid Rahman
Ketua Merangkap Anggota/Komisaris Utama Independen /
Chairman Concurrently Member/Independent President Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Jakarta
Lahir di Jakarta pada tahun 1958, usia 65 tahun per Desember Born in Jakarta in 1958, 65 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Ekonomi jurusan Manajemen dari Universitas Indonesia • Bachelor of Economics majoring in Management from the University of
(1983). Indonesia (1983).
• Master bidang Business Administration dari Golden State University, San • Master in Business Administration from Golden State University, San
Francisco, Amerika Serikat (1987). Francisco, United States (1987).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 01/SK/DKO/2021 tanggal 7 April 2021 Decree of the Board of Commissioners Number 01/SK/DKO/2021, dated
tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan April 7, 2021, concerning the Distribution of Duties and Implementation
Komisaris serta Komite – komite yang telah beberapa kali diperbaharui of the Activity Schedule for the Board of Commissioners and Committees
dengan Surat Keputusan Dewan Komisaris terakhir Nomor 04/SK/DKO/2023 lastly amended by Decree of the Board of Commissioners of PT Bank
tanggal 22 Agustus 2023 tentang Pembagian Tugas dan Pelaksanaan Pembangunan Daerah Jawa Barat and Banten, Tbk. Number 06/SK/
Jadwal Kegiatan Dewan Komisaris serta Komite – komite. DKO/2022, dated November 4, 2022, concerning the distribution of duties
and implementation of the activity schedule for the Board of Commissioners
and Committees.
Pengalaman Kerja Work Experience
• Direktur Utama PT Bank Himpunan Saudara 1906 (1994 – 2011). • President Director of PT Bank Himpunan Saudara 1906 (1994 – 2011).
• Komisaris Utama PT Bank Himpunan Saudara 1906 (2012-2019). • President Commissioner of PT Bank Himpunan Saudara 1906 (2012-
2019).
• Direktur PT Medco Intidinamika (2012 – saat ini). • Director of PT Medco Intidinamika (2012 – present).
• Komisaris Utama Independen bank bjb (2019 – saat ini). • Independent President Commissioner of bank bjb (2019 – present).
Periode dan Masa Jabatan Period of Service
Sebagai anggota sejak 30 April 2019 As a member since April 30, 2019
Sebagai Ketua merangkap anggota sejak 7 April 2021 – saat ini (periode As Chairman and member since April 7 2021 – present (first period).
pertama).
Jabatan Rangkap Concurrent Position
Direktur PT Medco Intidinamika (2012 – saat ini). Director of PT Medco Intidinamika (2012 – present).
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
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Rudie Kusmayadi
Anggota/Komisaris /
Member/Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Cimahi Cimahi
Lahir di Ciamis pada tahun 1958, usia 65 tahun per Desember Born in Ciamis in 1958, 65 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana Muda Teknik Lingkungan dari Akademi Teknik Pekerjaan Umum • Bachelor of Environmental Engineering from the West Java Academy of
Jabar (1982). Public Works Engineering (1982).
• Sarjana Manajemen Pembangunan Daerah dari STIA LAN (2001). • Bachelor of Regional Development Management from STIA LAN (2001).
• Pasca Sarjana Manajemen Pembangunan Daerah dari STIA LAN (2024) • Postgraduate Regional Development Management from STIA LAN
(2024)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 04/SK/DKO/2023 tanggal 22 Agustus Decree of the Board of Commissioners Number 04/SK/DKO/2023 dated 22
2023 tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan August 2023 concerning the Distribution of Duties and Implementation of
Dewan Komisaris serta Komite – komite. the Activity Schedule for the Board of Commissioners and Committees.
Pengalaman Kerja Work Experience
• Direktur Teknik Perusahaan Umum Daerah Air Minum Tirta Raharja • Technical Director of Regional Public Drinking Water Company Tirta
(2005 - 2007) Raharja (2005 - 2007)
• PLT Direktur Utama Perusahaan Umum Daerah Air Minum Tirta Raharja • PLT Main Director of Tirta Raharja Regional Public Drinking Water
(2007 - 2009) Company (2007 - 2009)
• Direktur Utama Perusahaan Umum Daerah Air Minum Tirta Raharja • President Director of Tirta Raharja Regional Drinking Water Company
(2009 - 2023) (2009 - 2023)
• Sekretaris Daerah Provinsi Jawa Barat (2020 – 2023). • Regional Secretary of West Java Province (2020 – 2023).
• Komisaris bank bjb (2023 – saat ini) • Commissioner of bank bjb (2023 – present)
Periode dan Masa Jabatan Period of Service
22 Agustus 2023 - saat ini (Periode Pertama) August 22, 2023 - present (First Period)
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 4 Level 4 Risk Management Certification
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Setiawan Wangsaatmaja
Anggota/Komisaris /
Member/Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1963, usia 60 tahun per Desember Born in Bandung in 1963, 60 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Teknik Lingkungan dari Institut Teknologi Bandung • Bachelor of Environmental Engineering from the Bandung Institute of
(1989). Technology (1989).
• Master of Sanitary Engineering IHE DEFLT Belanda (1994). • Master of Sanitary Engineering IHE DEFLT Netherlands (1994).
• Master of Environmental Engineering Asian Institute of Technology • Master of Environmental Engineering Asian Institute of Technology
Thailand (1997). Thailand (1997).
• Doktoral bidang Teknik Lingkungan dari Institut Teknologi Bandung • Doctoral degree in Environmental Engineering from the Bandung
(2004). Institute of Technology (2004).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 05/SK/DKO/2022 tanggal 26 Juli 2022 Decree of the Board of Commissioners Number 01/SK/DKO/2021, dated
tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan April 7, 2021, concerning the Distribution of Duties and Implementation
Komisaris serta Komite – komite yang telah beberapa kali diperbaharui of the Activity Schedule for the Board of Commissioners and Committees
dengan Surat Keputusan Dewan Komisaris terakhir Nomor 04/SK/DKO/2023 lastly amended by Decree of the Board of Commissioners of PT Bank
tanggal 22 Agustus 2023 tentang Pembagian Tugas dan Pelaksanaan Pembangunan Daerah Jawa Barat and Banten, Tbk. Number 06/SK/
Jadwal Kegiatan Dewan Komisaris serta Komite – komite DKO/2022, dated November 4, 2022, concerning the distribution of duties
and implementation of the activity schedule for the Board of Commissioners
and Committees.
Pengalaman Kerja Work Experience
• Komisaris PT Perusahaan Perdagangan Indonesia (Persero) (2021- Juli • Commissioner PT Perusahaan Perdagangan Indonesia (Persero) (2021-
2022) July 2022)
• Sekretaris Daerah Provinsi Jawa Barat (2020 – 2023). • Regional Secretary of West Java Province (2020 – 2023).
• Komisaris bank bjb (2022 – saat ini) • Commissioner of bank bjb (2022 – present)
• Asesor Utama Pemerintah Provinsi Jawa Barat (2023 - saat ini) • Main Assessor of West Java Provincial Government (2023 - present)
Periode dan Masa Jabatan Period of Service
26 Juli 2021 - saat ini (Periode Pertama) July 26, 2021 - present (First Period)
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 4 Level 4 Risk Management Certification
Laporan Tahunan 2023
776 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 268
CORPORATE
GOVERNANCE
Tomsi Tohir
Anggota/Komisaris /
Member/Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Jakarta
Lahir di Tanjung Karang pada tahun 1969, usia 54 tahun per Born in Tanjung Karang in 1969, 54 years old as of December
Desember 2023. 2023.
Riwayat Pendidikan Educational Background
• Akademi Kepolisian (1990). • Police Academy (1990).
• Pasca Sarjana bidang Kajian Ilmu Kepolisian dari Universitas Indonesia • Postgraduate in Police Studies from the University of Indonesia (2001)
(2001)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 04/SK/DKO/2023 tanggal 22 Agustus Decree of the Board of Commissioners Number 04/SK/DKO/2023 dated
2023 tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan August 22, 2023 concerning the Distribution of Duties and Implementation
Dewan Komisaris serta Komite – komite. of the Activity Schedule for the Board of Commissioners and Committees.
Pengalaman Kerja Work Experience
• Kapolda Provinsi Nusa Tenggara Barat (2019 - 2020) • West Nusa Tenggara Province Police Chief (2019 - 2020)
• Sahli Sospol Kapolri (2020 - 2022) • Sahli Sospol Kapolri (2020 - 2022)
• Inspektorat Jenderal Kementerian Dalam Negeri (2002 - Saat ini) • Inspectorate General of Ministry of State Affairs (2002 - Present)
• Komisaris bank bjb (2022 – saat ini) • Commissioner of bank bjb (2022 – present)
Periode dan Masa Jabatan Period of Service
22 Agustus 2023 - saat ini (Periode Pertama) August 22, 2023 - present (First Period)
Jabatan Rangkap Concurrent Position
Inspektorat Jenderal Kementerian Dalam Negeri (2002 - Saat ini) Inspectorate General of Ministry of State Affairs (2002 – present)
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 4 Level 4 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 777
Page 269
TATA KELOLA
PERUSAHAAN
Diding Sakri
Anggota/Komisaris /
Member/Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Kuningan pada tahun 1977, usia 46 tahun per Desember Born in Kuningan in 1977, 46 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Teknik Planologi (Perencanaan Wilayah dan Kota) dari • Bachelor’s degree in Planology Engineering (Regional and City Planning)
Institut Teknologi Bandung (2001). from the Bandung Institute of Technology (2001).
• Master of Arts (double degree) dari Trento University (Italy) dan • Master of Arts (double degree) from Trento University (Italy) and
Regensburg University (Germany) (2011). Regensburg University (Germany) (2011).
• PhD bidang Development Economics King’s College London (United • PhD in Development Economics King’s College London (United Kingdom)
Kingdom) (2020). (2020).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 05/SK/DKO/2022 tanggal 26 Juli 2022 Decree of the Board of Commissioners Number 05/SK/DKO/2022 dated
tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan July 26, 2022 concerning the Distribution of Duties and Implementation
Komisaris serta Komite – komite yang telah beberapa kali diperbaharui of the Activity Schedule for the Board of Commissioners and Committees,
dengan Surat Keputusan Dewan Komisaris terakhir Nomor 04/SK/DKO/2023 having been amended several times with the latest Decree of the Board of
tanggal 22 Agustus 2023 tentang Pembagian Tugas dan Pelaksanaan Commissioners Decree Number 04/SK/DKO/2023 dated August 22, 2023
Jadwal Kegiatan Dewan Komisaris serta Komite – komite concerning the Distribution of Duties and Implementation of the Activity
Schedule for the Board of Commissioners and Committees
Pengalaman Kerja Work Experience
• Anggota Tim Akselerasi Pembangunan (TAP) Provinsi Jawa Barat (2020 • Member of the West Java Province Development Acceleration Team
– Maret 2022) (TAP) (2020 – March 2022)
• Researcher on Poverty, Inequality, and Inclusive Growth, King’s College • Researcher on Poverty, Inequality, and Inclusive Growth, King’s College
London, United Kingdom (2016 - 2020). London, United Kingdom (2016 - 2020).
• Research Analyst (PREM)/Governance Specialist (GGP), The World Bank • Research Analyst (PREM)/Governance Specialist (GGP), The World Bank
(2011-2015). (2011-2015).
• Komisaris Independen bank bjb (2022 – saat ini). • Independent Commissioner of bank bjb (2022 – present).
Periode dan Masa Jabatan Period of Service
26 Juli 2022 – saat ini (periode pertama). July 26, 2022 – present (first period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 Level 5 Risk Management Certification
Laporan Tahunan 2023
778 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 270
CORPORATE
GOVERNANCE
Fahlino F. Sjuib
Anggota/Komisaris Independen /
Member/ Independent Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Jakarta
Lahir di Bandung pada tahun 1972, usia 51 tahun per Desember Born in Bandung in 1972, 51 years old as of December 2023
2023
Riwayat Pendidikan Educational Background
• Sarjana bidang Ekonomi / Akuntansi dari Universitas Katolik Parahyangan • Bachelor’s degree in Economics/Accounting from Parahyangan Catholic
(Bandung) (1996). University (Bandung) (1996).
• Master of Arts Economics dari Western Illionis University (Amerika Serikat) • Master of Arts Economics from Western Illinois University (United States)
(1998). (1998).
• PhD bidang Economics dari Kansas State University (Amerika Serikat) • PhD in Economics from Kansas State University (United States) (2023).
(2023).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 05/SK/DK/2019 tanggal 3 Juli 2019 Decree of the Board of Commissioners Number 05/SK/DKO/2022 dated
tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan July 26, 2022 concerning the Distribution of Duties and Implementation
Komisaris serta Komite – komite yang telah beberapa kali diperbaharui of the Activity Schedule for the Board of Commissioners and Committees,
dengan Surat Keputusan Dewan Komisaris terakhir Nomor 04/SK/DKO/2023 having been amended several times with the latest Decree of the Board of
tanggal 22 Agustus 2023 tentang Pembagian Tugas dan Pelaksanaan Commissioners Decree Number 04/SK/DKO/2023 dated August 22, 2023
Jadwal Kegiatan Dewan Komisaris serta Komite – komite. concerning the Distribution of Duties and Implementation of the Activity
Schedule for the Board of Commissioners and Committees.
Pengalaman Kerja Work Experience
• Adjunct Professor of Economics di Boston College Amerika Serikat • Adjunct Professor of Economics at Boston College United States (2017 -
(2017 - saat ini) present)
• EBCICON Universitas Katolik Parahyangan (2018 - saat ini) • EBCICON Parahyangan Catholic University (2018 - present)
• Komisaris Independen bank bjb (2019 - saat ini) • Independent Commissioner of bank bjb (2019 - present)
Periode dan Masa Jabatan Period of Service
Tahun 2019 - saat ini (Periode Pertama) 2019 - present (First Period)
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 Level 5 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 779
Page 271
TATA KELOLA
PERUSAHAAN
Dadan Yonanda
Anggota/Pemimpin Divisi Human Capital /
Member/Leader of the Human Capital Division
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Majalengka, 11 April 1972, usia 51 tahun pada Desember Majalengka, April 11, 1972/51 years old in December 2023
2023
Riwayat Pendidikan Educational Background
Sarjana Hukum di Universitas Padjadjaran Bandung pada tahun 1995. Bachelor of Laws at Padjadjaran University Bandung in 1995.
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Human Capital sejak 24 Juli 2019 Having served as Head of the Human Capital Division since dated July 24,
berdasarkan Surat Keputusan Direksi No 0871/SK/DIR-HC/2019 2019 based on Decree of the Board of Directors No 0871/SK/DIR-HC/2019
Pengalaman Kerja Work Experience
• PT Bank Export Import Indonesia 1996 – 1998 • PT Bank Export Import Indonesia 1996 – 1998
• PT Bank Mandiri 1999 – 2015 • PT Bank Mandiri 1999 – 2015
• PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. 2015 – saat • PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk. 2015 –
ini. present.
Periode dan Masa Jabatan Period of Service
6 Agustus 2019- saat ini. August 6, 2019- present.
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh Badan Sertifikasi Manajemen Level 7 Risk Management Certification by the Risk Management
Risiko (BSMR) Certification Body (BSMR)
Laporan Tahunan 2023
780 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 272
CORPORATE
GOVERNANCE
Sunu Widianto
Anggota/Pihak Independen /
Member/Independent Party
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Pontianak pada tahun 1983, usia 40 tahun pada Desember Born in Pontianak in 1983, 40 years old in December 2023
2023
Riwayat Pendidikan Educational Background
• Sarjana di bidang Manajemen dari Universitas Gajah Mada pada tahun • Bachelor’s degree in Management from Gajah Mada University in 2006.
2006.
• Magister di bidang Manajemen dari Universitas Gajah Mada pada tahun • Masters in Management from Gajah Mada University in 2009.
2009.
• Doktor / PHD di bidang Organizational Behavior dari University of Twente • Doctorate / PHD in Organizational Behavior from the University of
pada tahun 2018. Twente in 2018.
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai anggota Komite Nominasi dan Remunerasi berdasarkan Appointed as a member of the Nomination and Remuneration Committee
Surat Keputusan Direksi Nomor 0066/SK/DIR-CSE/2023 tanggal 28 Februari based on Decree of the Board of Directors Number 0066/SK/DIR-CSE/2023
2023. dated February 28, 2023.
Pengalaman Kerja Work Experience
Beliau menduduki berbagai jabatan penting antara lain sebagai: He held various important positions, including::
• Secretary Program International Business, Vocational Program, Faculty of • Secretary Program International Business, Vocational Program, Faculty of
Economics and Business, Universitas Padjadjaran (2013-2014) Economics and Business, Padjadjaran University (2013-2014)
• Deputy Director for Research and Cooperation, Center for Management • Deputy Director for Research and Cooperation, Center for Management
and Business Studies (CMBS), Faculty of Economics and Business, and Business Studies (CMBS), Faculty of Economics and Business,
Universitas Padjadjaran (2018 - saat ini) Padjadjaran University (2018 - present)
• Program Director Magister Management at Faculty of Economics and • Program Director Masters in Management at Faculty of Economics and
Business Universitas Padjadjaran Bandung Indonesia (2019 - saat ini) Business, Padjadjaran University, Bandung Indonesia (2019 - present)
• Anggota Komite Nominasi dan Remunerasi bank bjb (2023 - saat ini) • Member of the Nomination and Remuneration Committee of bank bjb
(2023 - present)
Periode dan Masa Jabatan Period of Service
01 Maret 2023 sampai dengan 29 Februari 2024 (Periode Pertama) March 01, 2023 to February 29, 2024 (First Period)
Jabatan Rangkap Concurrent Position
-
Sertifikasi Certification
Sertifikasi Manajemen Jenjang 4 dari Badan Sertifikasi Manajemen Risiko Level 4 Management Certification from the Risk Management
(BSMR) Certification Body (BSMR)
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 781
Page 273
TATA KELOLA
PERUSAHAAN
Kualifikasi Pendidikan dan Pengalaman Kerja Qualification of Education and Work
Komite Nominasi dan Remunerasi Experience of Nomination and Remuneration
Committee
Kualifikasi pendidikan dan pengalaman kerja masing-masing The educational qualifications and work experience of each
anggota Komite Nominasi dan Remunerasi adalah sebagai berikut. member of the Nomination and Remuneration Committee are as
follows.
Nama Jabatan Pendidikan Pengalaman Kerja
Name Position Educational Background Work Experience
Ketua Merangkap • S1 Manajemen
Memiliki pengalaman kerja di bidang
Anggota • S2 Banking & Finance
Farid Rahman perbankan.
Chairman • Bachelor of Management
Has work experience in banking.
Concurrently Member • Masters in Banking and Finance
• S1 Manajemen Pembangunan Daerah
• S2 Manajemen Pembangunan Daerah Memiliki Pengalaman Sebagai Direktur Utama
Anggota • Bachelor's Degree in Regional PERUMDA Air Minum Tirta Raharja
Rudie Kusmayadi
Member Development Management Has experience as President Director of
• Masters in Regional Development PERUMDA Tirta Raharja Drinking Water
Management
• S1 Teknik Lingkungan
• S2 Magister Sanitary Engineering
• S2 Magister Environmental Engineering
• S3 Teknik Lingkungan Memiliki pengalaman kerja di bidang
Anggota
Setiawan Wangsaatmaja • Bachelor of Environmental Engineering pemerintahan.
Member
• Masters in Sanitary Engineering Has work experience in the government sector.
• Masters in Environmental Engineering
• Doctoral Degree in Environmental
Engineering
Memiliki pengalaman kerja di bidang Kepolisian
• Akademi Kepolisian
Republik Indonesia dan Kementerian Dalam
Anggota • S2 Kajian Ilmu Kepolisian
Tomsi Tohir Negeri.
Member • Police Academy
Has work experience in the Indonesian National
• Masters in Police Science Studies
Police and the Ministry of Home Affairs.
• S1 Teknik Perencanaan Wilayah dan
Kota
• S2 Master of Arts Memiliki pengalaman kerja di bidang peneliti,
Anggota • S3 PhD Development Economics keuangan, dan ekonomi.
Diding Sakri
Member • Bachelor of Regional and City Planning Has work experience in research, finance and
Engineering economics.
• Master of Arts
• PhD Development Economics
• S1 Bidang Akuntansi
• S2 Master of Arts dibidang Economics Memiliki pengalaman kerja di bidang
Anggota • S3 PhD of Economics pendidikan, ekonomi dan perbankan
Fahlino F Sjuib
Member • Bachelor's Degree in Accounting Has work experience in education, economics
• Master of Arts in Economics and banking
• PhD in Economics
• S1 Manajemen
• S2 Manajemen Memiliki pengalaman kerja di bidang
Anggota • S3 PhD bidang Organizational Behavior pendidikan dan penelitian
Sunu Widianto
Member • Bachelor of Management Have work experience in education and
• Masters in Management research
• PhD in Organizational Behavior
Memiliki pengalaman kerja di bidang
Anggota S1 Hukum
Dadan Yonanda perbankan.
Member Bachelor of Laws
Has work experience in banking.
Laporan Tahunan 2023
782 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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GOVERNANCE
Independensi Komite Nominasi dan Independence of the Nomination and
Remunerasi Remuneration Committee
Seluruh anggota Komite Nominasi dan Remunerasi yang berasal All members of the Nomination and Remuneration Committee
dari pihak independen tidak memiliki hubungan keuangan, from independent parties do not have financial, management,
kepengurusan, kepemilikan saham dan/atau hubungan share ownership and/or family relations with the Board of
keluarga dengan Dewan Komisaris, Direksi dan/atau Pemegang Commissioners, Directors and/or Controlling Shareholders or
Saham Pengendali atau hubungan dengan bank, yang dapat relationships with banks which can affect their ability to act
mempengaruhi kemampuannya bertindak independen. independently.
Aspek
Farid Rudie Setiawan Tomsi Diding Fahlino F Sunu Dadan
Independence
Rahman Kusmayadi Wangsaatmaja Tohir Sakri Sjuib Widianto Yonanda
Aspects
Tidak memiliki
hubungan keuangan
dengan Dewan
Komisaris dan Direksi
Has no financial √ √ √ √ √ √ √ √
relationship with
the Board of
Commissioners and
Board of Directors
Tidak memiliki
hubungan
kepengurusan di
perusahaan, anak
perusahaan, maupun
perusahaan afiliasi √ √ √ √ √ √ √ √
Has no management
relationship in the
company, subsidiaries
or affiliated
companies
Tidak memiliki
hubungan
kepemilikan saham di
perusahaan
√ √ X √ √ √ √ √
Has no share
ownership
relationship in the
company
Tidak memiliki
hubungan keluarga
dengan Dewan
Komisaris, Direksi,
dan/atau sesama
anggota Komite
Nominasi dan
Remunerasi
Has no family √ √ √ √ √ √ √ √
relationship with
the Board of
Commissioners, Board
of Directors, and/
or other members
of the Nomination
and Remuneration
Committee
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 783
Page 275
TATA KELOLA
PERUSAHAAN
Aspek
Farid Rudie Setiawan Tomsi Diding Fahlino F Sunu Dadan
Independence
Rahman Kusmayadi Wangsaatmaja Tohir Sakri Sjuib Widianto Yonanda
Aspects
Tidak menjabat
sebagai pengurus
partai politik, pejabat
dan pemerintah
Not serving as √ √ √ √ √ √ √ √
administrators of
political parties,
officials and
government
Rapat Komite Nominasi dan Remunerasi Meeting of The Nomination and Remuneration
Committee
KEBIJAKAN RAPAT KOMITE NOMINASI DAN NOMINATION AND REMUNERATION COMMITTEE
REMUNERASI MEETING POLICIES
Ketentuan Rapat Komite Nominasi dan Remunerasi yang diatur Provisions for the Nomination and Remuneration Committee
dalam Pedoman dan Tata Tertib Kerja Komite Nominasi dan Meeting stipulated in the Work Guidelines and Rules the
Remunerasi adalah sebagai berikut: Nomination and Remuneration Committee is as follows:
1. Komite Nominasi dan Remunerasi mengadakan rapat 1. The Nomination and Remuneration Committee meets at least
sekurang-kurangnya 1 (satu) kali dalam 3 (tiga) bulan, dan/ 1 (one) time in 3 (Three) months, and/or is adjusted to the
atau disesuaikan dengan kebutuhan Bank. needs of the Bank.
2. Rapat Komite Nominasi dan Remunerasi membahas 2. The Nomination and Remuneration Committee Meeting
mengenai antara lain remunerasi Dewan Komisaris, Direksi, discusses the remuneration of the Board of Commissioners,
dan Pegawai, nominasi calon Dewan Komisaris dan Direksi, Directors and Employees, nominations of candidates for the
serta pihak Independen untuk anggota komite. Board of Commissioners and Directors, and Independent
parties for committee members.
3. Rapat Komite Nominasi dan Remunerasi hanya dapat 3. Nomination and Remuneration Committee meetings can only
diselenggarakan apabila: be held if:
a. Dihadiri oleh mayoritas dari jumlah anggota Komite a. Attended by a majority of the members of the Nomination
Nominasi dan Remunerasi; dan and Remuneration Committee; and;
b. Salah satu dari mayoritas jumlah anggota Komite b. One of the majority members of the Nomination and
Nominasi dan Remunerasi sebagaimana dimaksud Remuneration Committee as referred to in letter a is the
pada huruf a merupakan Ketua Komite Nominasi dan Chair of the Nomination and Remuneration Committee.
Remunerasi.
4. Rapat Komite Nominasi dan Remunerasi dapat mengambil 4. The Meeting of the Nomination and Remuneration Committee
keputusan apabila sekurang-kurangnya dihadiri oleh 51% can make a decision if at least 51% (fifty-one percent)
(lima puluh satu per seratus) dari jumlah anggota termasuk of the members are included, including an Independent
seorang Komisaris Independen dan Pejabat Eksekutif yang Commissioner and an Executive officer in charge of HR.
membawahi SDM.
5. Keputusan rapat Komite Nominasi dan Remunerasi dilakukan 5. The decision of the Nomination and Remuneration Committee
berdasarkan musyawarah mufakat. meeting is based on consensus agreement.
6. Apabila dalam musyawarah tidak tercapai kata mufakat, maka 6. If there is no consensus reached in the deliberations, then
pengambilan keputusan dilakukan dengan cara pengambilan decision making is done by taking the most votes (voting).
suara terbanyak (pemungutan suara).
7. Sehubungan dengan pemungutan suara, maka setiap 7. In case of voting, each member of the Nomination and
anggota Komite Nominasi dan Remunerasi yang hadir berhak Remuneration Committee shall be entitled to cast 1 (one)
memberikan 1 (satu) suara dan tambahan 1 (satu) suara vote and an additional 1 (one) vote for each member of
untuk setiap anggota Komite Nominasi dan Remunerasi yang the Nomination and Remuneration Committee which he
diwakilinya yang dilengkapi dengan surat kuasa. represents accompanied by a power of attorney.
8. Rapat Komite Nominasi dan Remunerasi dipimpin oleh ketua 8. The Meeting of the Nomination and Remuneration
Komite Nominasi dan Remunerasi dan/atau anggota Komite Committee is led by the Chairperson of the Nomination and
Nominasi dan Remunerasi yang berasal dari unsur Dewan Remuneration Committee and/or members of the Nomination
Komisaris apabila ketua Komite Nominasi dan Remunerasi and Remuneration Committee who come from elements of
berhalangan hadir. the Board of Commissioners if the Chair of the Nomination
and Remuneration Committee is unable to attend.
Laporan Tahunan 2023
784 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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GOVERNANCE
9. Dalam hal anggota Komite Nominasi dan Remunerasi tidak 9. If the members of the Nomination and Remuneration
dapat menghadiri rapat secara fisik, maka dapat menghadiri Committee could not physically attend the meeting, they
rapat melalui teknologi telekonferensi. could attend the meeting via teleconferencing technology.
10. Dalam kaitannya dengan telekonferensi, maka: 10. In relation to teleconferencing, then:
a. Anggota yang hadir secara telekonferensi disebutkan a. Members who attended the teleconference are mentioned
dalam risalah Rapat Komite Nominasi dan Remunerasi. in the minutes of the Nomination and Remuneration
Committee Meeting.
b. Bukti rekaman penyelenggaraan rapat. b. Proof of record of meeting implementation.
11. Jika dipandang perlu, Komite Nominasi dan Remunerasi dapat 11. If necessary, the Nomination and Remuneration Committee
mengundang pihak lain dari internal Bank yang terkait dengan can invite other parties from the Bank’s internal who are
materi rapat dalam rapat Komite Nominasi dan Remunerasi. related to the meeting material in the Nomination and
Remuneration Committee meeting.
12. Setiap rapat Komite Nominasi dan Remunerasi dituangkan 12. Each meeting of the Nomination and Remuneration
dalam risalah rapat dan didokumentasikan dengan baik dan Committee is set forth in the minutes of the meeting which
disampaikan secara tertulis kepada Dewan Komisaris. is well documented to be submitted in written form to the
Board of Commissioners.
13. Perbedaan pendapat (dissenting opinion) yang terjadi dalam 13. Dissenting opinions that occur in the Nomination and
rapat Komite Nominasi dan Remunerasi wajib dicantumkan Remuneration Committee meetings must be included in
dalam risalah rapat beserta alasan perbedaan pendapat the minutes of the meeting along with the reasons for the
tersebut. dissenting opinions.
AGENDA RAPAT KOMITE NOMINASI DAN MEETING OF THE NOMINATION AND
REMUNERASI REMUNERATION COMMITTEE
Tanggal Agenda Peserta Rapat Keterangan
No
Date Agendas Meeting Participants Information
- Laporan Kegiatan KNR Semester 2 Tahun 2022 • Farid Rahman
- Penilaian Kinerja Dewan Komisaris Tahun 2022 • Muhadi
Rabu, 25
- Program Kerja KNR Tahun 2023 • Diding Sakri
Januari 2023
- Lain - lain • Fahlino F. Sjuib Nominasi dan Remunerasi
1 Wednesday,
- KNR Activity Report of in the Semester 2 of 2022 • Dadan Yonanda Nomination and Remuneration
January 25,
- The 2022 Commissioners Performance Assessment • Ernie Tisnawati Sule
2023
- The 2023 KNR Work Program
- Other
• Farid Rahman
Rabu, 8 • Muhadi
Februari 2023 • Setiawan Wangsaatmaja
Pembahasan Proses Pengisian Pengurus Nominasi
2 Wednesday, • Diding Sakri
Discussion on Management Vacancy Process Nomination
February 8, • Fahlino F. Sjuib
2023 • Dadan Yonanda
• Ernie Tisnawati Sule
• Farid Rahman
Selasa, 21 • Muhadi
Februari 2023 Pembahasan Penilaian Kinerja Direksi Tahun Buku 2022 • Setiawan Wangsaatmaja
Nominasi
3 Tuesday, Discussion on Directors Performance Assessment for the • Diding Sakri
Remuneration
February 21, Financial Year of 2022 • Fahlino F. Sjuib
2023 • Dadan Yonanda
• Ernie Tisnawati Sule
• Farid Rahman
Selasa, 21
Pembahasan Rekomendasi KNR terkait pengisian jabatan • Muhadi
Februari 2023
anggota KNR dari pihak Independen • Setiawan Wangsaatmaja Nominasi
4 Tuesday,
Discussion on KNR Recommendation related to position • Diding Sakri Nomination
February 21,
vacancy of KNR members from independent party • Fahlino F. Sjuib
2023
• Dadan Yonanda
• Farid Rahman
• Muhadi
Rabu, 8 Maret
• Setiawan Wangsaatmaja
2023 Pembahasan Proses Pengisian Pengurus Nominasi
5 • Diding Sakri
Wednesday, Discussion on Management Vacancy Process Nomination
• Fahlino F. Sjuib
March 8, 2023
• Dadan Yonanda
• Sunu Widianto
2023 Annual Report
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PERUSAHAAN
Tanggal Agenda Peserta Rapat Keterangan
No
Date Agendas Meeting Participants Information
• Farid Rahman
Selasa, 21 • Muhadi
Maret 2023 • Setiawan Wangsaatmaja
Proses Pengisian Pengurus Nominasi
6 Tuesday, • Diding Sakri
Management Vacancy Process Nomination
March 21, • Fahlino F. Sjuib
2023 • Dadan Yonanda
• Sunu Widianto
• Farid Rahman
Selasa, 28 Pembahasan Rekomendasi Komite Nominasi dan • Muhadi
Maret 2023 Remunerasi untuk RUPS Tahunan Tahun Buku 2022 • Setiawan Wangsaatmaja
Nominasi dan Remunerasi
7 Tuesday, Discussion of Nomination and Remuneration Committee • Diding Sakri
Nomination and Remuneration
March 28, Recommendation for Annual GMS for the Financial Year • Fahlino F. Sjuib
2023 of 2022 • Dadan Yonanda
• Sunu Widianto
• Farid Rahman
Pembahasan Usulan Calon Anggota Dewan Komisaris • Muhadi
Senin, 3 April
bank bjb dari Pemegang Saham Seri A • Setiawan Wangsaatmaja
2023 Nominasi
8 Discussion on Proposal of Candidates of bank bjb • Diding Sakri
Monday, April Nomination
Members of the Board of Commissioners from Series A • Fahlino F. Sjuib
3, 2023
Shareholders • Dadan Yonanda
• Sunu Widianto
• Farid Rahman
Senin, 8 Mei Pembahasan Dokumen Penilaian Kemampuan dan • Setiawan Wangsaatmaja
2023 Kepatutan Calon Anggota Dewan Komisaris • Diding Sakri Nominasi
9
Monday, May Discussion on Fit and Proper Assessment of Candidates of • Fahlino F. Sjuib Nomination
8, 2023 Member of the Board of Commissioners • Dadan Yonanda
• Sunu Widianto
Pembahasan Rekomendasi Komite Nominasi dan • Farid Rahman
Rabu, 24 Mei Remunerasi untuk Rapat Pemegang Saham Luar Biasa • Setiawan Wangsaatmaja
2023 Tahun 2023 • Diding Sakri Nominasi
10
Wednesday, Discussion of Nomination and Remuneration Committee • Fahlino F. Sjuib Nomination
May 24, 2023 Recommendation for Extraordinary GMS for the Financial • Dadan Yonanda
Year of 2023 • Sunu Widianto
• Farid Rahman
Selasa, 29 Mei Pembahasan Surat Otoritas Jasa Keuangan No. SR-66/ • Setiawan Wangsaatmaja
2023 PB.021/2023 Tanggal 26 Mei 2023 • Diding Sakri Nominasi
11
Tuesday, May Discussion on Letter of the Financial Services Authority • Fahlino F. Sjuib Nomination
29, 2023 No. SR-66/PB.021/2023 dated May 26, 2023 • Dadan Yonanda
• Sunu Widianto
• Farid Rahman
Selasa, 20 Juni Pembahasan Evaluasi Kebijakan Remunerasi dan • Setiawan Wangsaatmaja
2023 Nominasi Pegawai bank bjb • Diding Sakri Remunerasi
12
Tuesday, June Discussion on Evaluation of bank bjb Employee • Fahlino F. Sjuib Remuneration
20, 2023 Nomination and Remuneration • Dadan Yonanda
• Sunu Widianto
• Farid Rahman
Pembahasan Insentif Prestasi Kerja (IPK) Dewan Komisaris
Rabu, 5 Juli • Setiawan Wangsaatmaja
Triwulan 2 Tahun 2023
2023 • Diding Sakri Remunerasi
13 Discussion on Performance Incentive Percentage (IPK) of
Wednesday, • Fahlino F. Sjuib Remuneration
the Board of Commissioners for the Second Quarter of
July 5, 2023 • Dadan Yonanda
2023
• Sunu Widianto
• Farid Rahman
Selasa, 18 Juli Pembahasan Perpanjangan Perjanjian Kerja Anggota KPR • Setiawan Wangsaatmaja
2023 dan KTT dari Pihak Independen • Diding Sakri Nominasi
14
Tuesday, July Discussion on Employement Agreement Extension of KPR • Fahlino F. Sjuib Nomination
18, 2023 and KTT Members from Independent Party • Dadan Yonanda
• Sunu Widianto
Laporan Tahunan 2023
786 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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Tanggal Agenda Peserta Rapat Keterangan
No
Date Agendas Meeting Participants Information
• Farid Rahman
• Rudie Kusmayadi
Selasa, 24 Rekomendasi KNR terkait perpanjangan perjanjian kerja
• Setiawan Wangsaatmaja
Oktober 2023 anggota Komite Audit dari pihak independen
• Tomsi Tohir Nominasi
15 Tuesday, KNR Recommendation related to Employement
• Diding Sakri Nomination
October 24, Agreement Extension of Audit Committee members from
• Fahlino F. Sjuib
2023 Independent Party
• Dadan Yonanda
• Sunu Widianto
1. Pembahasan proses nominasi calon pengurus • Farid Rahman
Selasa, 12 (assessment) • Rudie Kusmayadi
Desember 2. Evaluasi skala dan besaran remunerasi pegawai dan • Setiawan Wangsaatmaja
2023 pengurus • Tomsi Tohir Nominasi dan Remunerasi
16
Tuesday, 1. Discussion on assessment process of management • Diding Sakri Nomination and Remuneration
December 12, member nomination • Fahlino F. Sjuib
2023 2. Scale and weigh evaluation of staff and management • Dadan Yonanda
remuneration • Sunu Widianto
FREKUENSI DAN TINGKAT KEHADIRAN RAPAT FREQUENCY AND ATTENDANCE OF MEETING OF
KOMITE NOMINASI DAN REMUNERASI NOMINATION AND REMUNERATION COMMITTEE
Selama tahun 2023, Komite Nominasi dan Remunerasi telah During 2023, the Nomination and Remuneration Committee
melaksanakan rapat sebanyak 16 (enam belas) kali. Adapun has held 16 (sixteen) meetings. The frequency and level of
frekuensi dan tingkat kehadiran rapat masing-masing anggota attendance of the meetings of each member of the Nomination
Komite Nominasi dan Remunerasi adalah sebagai berikut. and Remuneration Committee are as follows
Rapat Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee Meeting
Jumlah dan Persentase Kehadiran
Nama Jabatan
Number and Percentage of Attendance
Name Position
Jumlah Rapat
Jumlah Kehadiran Persentase
Number of
Total Attendance Percentage
Meetings
Ketua Merangkap Anggota
Farid Rahman Chairman Concurrently 16 16 100%
Member
Anggota
Muhadi* 10 9 90%
Member
Anggota
Rudie Kusmayadi** 2 2 100%
Member
Anggota
Setiawan Wangsaatmaja 16 15 94%
Member
Anggota
Tomsi Tohir** 2 2 100%
Member
Anggota
Diding Sakri 16 16 100%
Member
Anggota
Fahlino F. Sjuib 16 16 100%
Member
Anggota
Ernie Tisnawati Sule*** 2 2 100%
Member
2023 Annual Report
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Rapat Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee Meeting
Jumlah dan Persentase Kehadiran
Nama Jabatan
Number and Percentage of Attendance
Name Position
Jumlah Rapat
Jumlah Kehadiran Persentase
Number of
Total Attendance Percentage
Meetings
Anggota
Sunu Widianto**** 12 12 100%
Member
Anggota
Dadan Yonanda 16 16 100%
Member
* Diberhentikan dengan hormat sebagai Komisaris berdasarkan keputusan RUPS Luar Biasa Tahun 2023 tanggal 25 Mei 2023.
** Pengangkatan sebagai Komisaris berdasarkan keputusan RUPS Luar Biasa Tahun 2023 tanggal 25 Mei 2023 dan efektif menjabat pada tanggal 09 Agustus 2023
*** Berakhirnya masa jabatan Anggota KNR tanggal 28 Februari 2023.
**** Pengangkatan Anggota KNR terhitung mulai tanggal 28 Februari 2023.
* Honorably dismissed as Commissioner based on the resolution of the 2023 Extraordinary GMS dated May 25, 2023.
** Appointment as Commissioner based on the resolution of the 2023 Extraordinary GMS dated May 25, 2023 and effective dated August 9, 2023
*** The term of office of KNR’s member ended dated February 28 2023.
**** The appointment of KNR’s member started dated February 28, 2023
Program Peningkatan Kompetensi Komite Nomination and Remuneration Committee
Nominasi dan Remunerasi Competency Improvement Program
Waktu dan
Jenis Pelatihan dan Materi Pengembangan
Tempat
Nama Jabatan Kompetensi /Pelatihan Penyelenggara
Pelaksanaan
Name Position Types of Training and Competency Organizer
Implementation
Development/ Training Materials
Time and Place
Ketua
merangkap Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau pelatihan anggota Dewan
Anggota Komisaris
Farid Rahman
Chairman Education and/or training can be seen in the Education and/or training section for members of the Board
Concurrently of Commissioners
Member
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau pelatihan anggota Dewan
Anggota Komisaris
Rudie Kusmayadi
Member Education and/or training can be seen in the Education and/or training section for members of the Board
of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau pelatihan anggota Dewan
Setiawan Anggota Komisaris
Wangsaatmaja Member Education and/or training can be seen in the Education and/or training section for members of the Board
of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau pelatihan anggota Dewan
Anggota Komisaris
Tomsi Tohir
Member Education and/or training can be seen in the Education and/or training section for members of the Board
of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau pelatihan anggota Dewan
Anggota Komisaris
Diding Sakri
Member Education and/or training can be seen in the Education and/or training section for members of the Board
of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau pelatihan anggota Dewan
Anggota Komisaris
Fahlino F Sjuib
Member Education and/or training can be seen in the Education and/or training section for members of the Board
of Commissioners
Seminar Outlook Perekonomian Indonesia Tahun
2024 Peluang dan Tantangan Untuk BPD Seluruh Medan, 7
Anggota Indonesia Desember 2023
Sunu Widianto FKDK BPDSI
Member The 2024 Indonesian Economy Outlook Seminar: Medan, December
Opportunities and Challenges for BPD throughout 7, 2023
Indonesia
Laporan Tahunan 2023
788 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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Waktu dan
Jenis Pelatihan dan Materi Pengembangan
Tempat
Nama Jabatan Kompetensi /Pelatihan Penyelenggara
Pelaksanaan
Name Position Types of Training and Competency Organizer
Implementation
Development/ Training Materials
Time and Place
Executive Workshop Tahun 2023 Satukan Energi
Bandung, 16
Untuk Memperkuat Sinergi dan Keunggulan
Anggota Januari 2023
Dadan Yonanda Kompetitif bjb University
Member Bandung, January
The 2023 Executive Workshop: One Energy to
16, 2023
Strengthen Synergy and Competitive Superiority
Online, 10 April
bjb MPP 531 Retirement Preparation Session 2023 PT Pastika Praveena
bjb MPP 531 Retirement Preparation Session Online, April 10, Bina Mandiri
2023
Pemeliharaan/Refreshment Sertifikasi Manajemen Bandung, 5 Mei
Risiko 2023 LMI (Learning Media
Maintenance/Refreshment of Risk Management Bandung, May 5, Indonesia)
Certification 2023
Program Pembelajaran Suksesor Pemimpin Divisi
Professional Leadership Program - The Art and Bandung, 15 Mei
PT Sinergi Indonesia
Practice of Learning Organization (In House Training) 2023
Pintar
Learning Program of Division Head Successors of Bandung, May 15,
Professional Leadership Program - The Art and 2023
Practice of Learning Organization (In House Training
Bandung, 16 Juni
Pengenalan Digital 2023
bjb University
Introduction to Digital Bandung, June 16,
2023
Executive Workshop 2023 Be One: Bersatu Kompak Bandung, 23 Juli
Kolaboratif 2023
Tagar Media Indonesia
Executive Workshop 2023 Be One: Collaboratively Bandung, July 23,
Solid Unity 2023
Executive Workshop Tahun 2023: Menjaga
Momentum Pertumbuhan Bisnis Dalam Mencapai
Komitmen Tahun 2023 Melalui Fee Based Income Bandung, 24 Juli
Kredit Yang Berkualitas 2023
TD Consultant
Executive Workshop 2023: Maintaining Business Bandung, July 24,
Growth Momentum in Achieving the 2023 2023
Commitment through Fee Based Income of Qualified
Loans
Jakarta, 3 Agustus
Leaders Talk : Leading Successful Business 2023
bjb University
Leaders Talk : Leading Successful Business Jakarta, August 3,
2023
Program Pemeliharaan/ Refreshment Sertifikasi Bandung, 8
Manajemen Risiko Jenjang 7 Desember 2023
TD Consultant
Maintenance/Refreshment Program of Risk Bandung,
Management Certification Level 7 December 8, 2023
Program Kerja dan Pelaksanaan Tugas Komite Work Program and Implementation of The
Nominasi dan Remunerasi Tahun 2023 Duties of The Nomination and Remuneration
Committee of 2023
Selama Tahun 2023 Komite Nominasi dan Remunerasi telah During 2023 The Nomination and Remuneration Committee has
melaksanakan tugas dan tanggung jawab terkait dengan fungsi carried out duties and responsibilities related to the nomination
nominasi dan remunerasi, diantaranya: and remuneration function, including:
1. Melakukan Penilaian Kinerja Dewan Komisaris dan Direksi 1. Conducting Performance Assessment of the Board of
berdasarkan metode Self Assessment untuk periode Tahun Commissioners and Directors based on Self-Assessment
Buku 2023. method for the Financial Year of 2023.
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2. Melakukan proses nominasi untuk jabatan anggota direksi 2. Performing nomination process for expired term of service of
yang habis masa jabatan pada RUPS Tahunan Tahun Buku member of the Directors in the Annual GMS for the Financial
2022 dan Pengangkatan anggota dewan komisaris yang baru Year of 2022 and Nomination of new member of the Board
pada RUPS Luar Biasa Tahun 2023. of Commissioners in the 2023 Extraordinary GMS.
3. Memberikan rekomendasi kepada Dewan Komisaris terkait 3. Provide recommendations to the Board of Commissioners
Pengangkatan dan perpanjangan perjanjian kerja anggota regarding the extension of work agreements for Committee
Komite dari pihak independen. members from independent parties.
4. Mengevaluasi dan memberikan rekomendasi kepada Dewan 4. Evaluate and provide recommendations to the Board
Komisaris mengenai kebijakan, skala dan besaran remunerasi of Commissioners regarding the remuneration policy of
Pengurus dan Pegawai. Management and Employees.
Seluruh rapat Komite Nominasi dan Remunerasi telah All Remuneration and Nomination Committee meetings have
didokumentasikan dengan baik dalam notula rapat dengan been well documented in the minutes of the meeting by taking
memperhatikan jumlah kuorum kehadiran. Anggota Komite into account the number of quorum attendance. Members of
Nominasi dan Remunerasi senantiasa diberikan kesempatan the Remuneration and Nomination Committee are always given
untuk mengikuti seminar maupun program pelatihan untuk the opportunity to attend seminars and training programs to
meningkatkan wawasan dan pengetahuan terkait dengan tugas increase their insight and knowledge related to their duties and
dan tanggung jawabnya. responsibilities.
Kebijakan Suksesi Direksi Succession Policy of Directors
Dalam rangka melanjutkan kepemimpinan yang berkelanjutan, In order to continue the sustainable leadership, bank bjb owned
bank bjb memiliki mekanisme suksesi untuk posisi Direksi. Pada a succession mechanism for the position of the Directors. In a
periode yang telah ditentukan, Dewan Komisaris melalui Komite predetermined period, the Board of Commissioners through the
Nominasi dan Remunerasi menyelenggarakan talent pool untuk Nomination and Remuneration Committee conducted talent pool
menjadi kandidat Direksi yang berasal dari internal bank bjb dan to become candidates for the Directors, either from internal bank
melakukan perekrutan dari luar bank bjb. Dalam melakukan bjb and melakukan perekrutan dari luar bank bjb. In assessing
penilaian terhadap para kandidat Direksi, Dewan Komisaris candidates for the Directors, the Board of Commissioners through
melalui Komite Nominasi dan remunerasi dapat dibantu oleh tim the Nomination and Remuneration Committee could be assisted
assessment independen yang telah ditunjuk bank bjb. Penyaringan by an independent assessment team appointed by bank bjb.
terhadap para kandidat dilakukan berdasarkan kriteria-kriteria Candidates were screened based on criteria relevant to the
yang relevan dengan jabatan dan kondisi bank bjb, sesuai dengan position and condition of bank bjb, in accordance with applicable
ketentuan yang berlaku. Hasil penyaringan tersebut kemudian regulations. The results of the screening were then recommended
direkomendasikan oleh kepada RUPS untuk kemudian diajukan by the GMS to be submitted to the OJK in order to carry out a fit
kepada OJK guna melaksanakan fit and proper test sesuai dengan and pass test in accordance with the intended position. Candidates
jabatan yang dituju. Kandidat dinyatakan efektif menjabat sebagai were declared to be effective as Directors if they were declared to
Direksi apabila dinyatakan lulus fit and proper test oleh OJK. have passed the fit and proper test by the OJK.
Komite Pemantau Risiko Risk Monitoring Committee
Sesuai Peraturan Otoritas Jasa Keuangan (POJK) Nomor 55/ In accordance to OJK Regulations number 55/POJK.03/2016
POJK.03/2016 tentang Penerapan Tata Kelola bagi Bank Umum, regarding the implementation of governance for commercial
Komite Pemantau Risiko merupakan alat kelengkapan Dewan banks, the Risk Monitoring Committee is a board of Commissioners
Komisaris yang berfungsi memonitor risiko dan menilai toleransi fittings that serves to monitor risk and assess the risk tolerance
risiko yang dapat diambil oleh Bank, mengevaluasi perbaikan that can be taken by the Bank, evaluate the improvements made
yang dilakukan atas kebijakan, prosedur dan praktik manajemen to the Bank’s risk management policies, procedures and practices
risiko Bank guna memastikan telah dilakukannya pengelolaan to ensure good risk management is done, especially on the
risiko dengan baik, terutama pada pengelolaan risiko kredit, risiko management of credit risk, market risk, liquidity risk, and risk of
pasar, risiko likuiditas, risiko operasional, dan risiko bank lainnya. other banks.
Dasar Pembentukan Komite Pemantau Risiko Foundation of Risk Monitoring Committee
Komite Pemantau Risiko bank bjb dibentuk berdasarkan: The bank bjb Risk Monitoring Committee is formed based on:
1. Peraturan OJK Nomor 55/POJK.03/2016 tanggal 9 Desember 1. OJK Regulation No. 55/POJK.03/2016 dated December 9,
2016 tentang Penerapan Tata Kelola bagi Bank Umum. 2016 concerning the implementation of governance for
commercial banks.
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2. Surat Keputusan Dewan Komisaris PT Bank Jabar Nomor 04A/ 2. The Decree of Board of Commissioners of PT Bank Jabar
SK/DK/2007 tanggal 28 Juni 2007 tentang Pembentukan number 04A/SK/DK/2007 dated June 28, 2007 concerning the
Komite-Komite dan Pedoman Kerja Komite. establishment of committees and work guidelines committee.
3. Peraturan Otoritas Jasa Keuangan Nomor 17/POJK.04/2014 3. OJK Regulation No. 17/ POJK.04/2014 on the implementation
tentang Penerapan Manajemen Risiko Terintegrasi Bagi of integrated risk management for financial conglomerations.
Konglomerasi Keuangan.
4. Peraturan Otoritas Jasa Keuangan Nomor 18/POJK.03/2016 4. OJK Regulation No. 18/ POJK.03/2016 concerning
tentang Penerapan Manajemen Risiko Bagi Bank Umum. implementation of risk management for commercial banks.
5. Surat Keputusan Dewan Komisaris PT Bank Pembangunan 5. Decree of the Board of Commissioners of PT Bank
Daerah Jawa Barat dan Banten, Tbk. Nomor 01/SK/DKO/2021 Pembangunan Daerah Jawa Barat and Banten, Tbk. Number
tanggal 7 April 2021 tentang Pembagian Tugas dan 01/SK/DKO/ 2021, dated April 7, 2021, concerning the
pelaksanaan Kegiatan Dewan Komisaris serta Komite-Komite Division of Duties and Implementation of the Activities of the
sebagaimana telah diubah terakhir dengan surat Keputusan Board of Commissioners and committees as last amended
Dewan Komisaris PT Bank Pembangunan Daerah Jawa by Decree of the Board of Commissioners of PT Bank
Barat dan Banten, Tbk. Nomor 06/SK/DKO/2022 tanggal 4 Pembangunan Daerah Jawa Barat and Banten, Tbk. Number
November 2022 tentang Pembagian Tugas dan pelaksanaan 06/SK/DKO/2022, dated November 4, 2022, concerning the
Kegiatan Dewan Komisaris serta Komite-Komite. Division of Duties and Implementation of the activities of the
Board of Commissioners and committees.
Pedoman dan Tata Tertib Kerja Komite Guidelines and Code of Conduct of Risk
Pemantau Risiko Monitoring Committee
Perseroan memiliki Pedoman dan Tata Tertib Kerja Komite The company has Guidelines and Code of Conduct of the Risk
Pemantau Risiko berdasarkan Surat Keputusan Dewan Komisaris Monitoring Committee based on the Decree of the Board of
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 02/ Commissioners of PT Bank Pembangunan Daerah Jawa Barat and
SK/DKO/2021 tanggal 28 April 2021 tentang Pedoman dan Tata Banten, Tbk. 02/SK/DKO/2021, dated April 28, 2021, regarding
Tertib Kerja Komite Pemantau Risiko yang telah diperbaharui dan the Guidelines and Code of Conduct of the Risk Monitoring
ditetapkan dengan Surat Keputusan Dewan Komisaris nomor 01/ Committee, which has been updated and stipulated by the Decree
SK/DKO/2022 tanggal 4 Januari 2022 tentang Pedoman dan Tata of the Board of Commissioners number 01/SK/DKO/2022 dated
Tertib Kerja Komite Pemantau Risiko. January 4, 2022, concerning the Guidelines and Code of Conduct
of the Risk Monitoring Committee.
Tugas dan Tanggung Jawab Komite Pemantau Duties and Responsibilities of The Risk
Risiko Monitoring Committee
Sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan As stipulated in the OJK Regulation No. 18/ POJK.03/2016
No. 18/POJK.03/2016 tentang Penerapan Manajemen Risiko Bagi concerning the implementation of risk management for public
Bank Umum pasal 2, ruang lingkup manajemen risiko adalah: banks article 2, the scope of risk management is poured out as
follows:
1. Bank wajib menerapkan Manajemen Risiko secara efektif, 1. The Bank is obliged to implement risk management
baik untuk bank secara individu maupun untuk bank secara effectively, both for the bank individually as well as for the
konsolidasi dengan perusahaan anak. bank to consolidate with the subsidiary company.
2. Penerapan manajemen risiko paling sedikit mencakup: 2. The application of the least risk management includes:
a. Pengawasan aktif Direksi dan Dewan Komisaris; a. Active supervision of the directors and BOC;
b. Kecukupan kebijakan dan prosedur manajemen risiko, b. Adequacy of risk management policies and procedures,
serta penetapan limit risiko; as well as setting risk limits;
c. Kecukupan proses identifikasi, pengukuran, pemantauan, c. Adequacy of the process of identifying, measuring,
dan pengendalian Risiko serta sistem informasi monitoring, and controlling risks and risk management
Manajemen Risiko; dan information systems; and
d. Sistem pengendalian intern yang menyeluruh. d. Comprehensive internal control system.
Wewenang dan tanggung jawab Dewan Komisaris dalam The authority and responsibilities of the Board of Commissioners
kaitannya dengan manajemen risiko, berdasarkan Peraturan in relation to risk management based on OJK Regulation No.
Otoritas Jasa Keuangan No. 18/POJK.03/2016 tentang Penerapan 18/POJK.03/2016 on the application of risk management for
Manajemen Risiko Bagi Bank Umum pasal 7, paling sedikit commercial banks article 7, at least include:
meliputi:
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1. Menyetujui dan mengevaluasi kebijakan Manajemen Risiko. 1. Approve and evaluate the risk management policy.
2. Mengevaluasi pertanggungjawaban Direksi atas pelaksanaan 2. Evaluate the Directors ‘accountability for the implementation
kebijakan manajemen risiko. of risk management policy.
3. Mengevaluasi dan memutuskan permohonan Direksi yang 3. Evaluate and decide the directors ‘application relating
berkaitan dengan transaksi yang memerlukan persetujuan to transactions requiring the approval of the Board of
Dewan Komisaris. Commissioner.
Sebagaimana tercantum dalam Peraturan Otoritas Jasa Keuangan As stated in OJK Regulation No. 55/ POJK.03/2016 concerning the
No. 55/POJK.03/2016 tentang Penerapan Tata Kelola Bagi Bank implementation of governance for commercial banks article 48,
Umum Pasal 48, Komite Pemantau Risiko wajib melakukan paling the Risk Monitoring Committee shall do the least:
sedikit:
1. Mengevaluasi kesesuaian antara kebijakan manajemen risiko 1. Evaluate the suitability of risk management policy with the
dengan pelaksanaan kebijakan bank implementation of bank policy.
2. Memantau dan mengevaluasi pelaksanaan tugas Komite 2. Monitor and evaluate the duties of the Risk Management
Manajemen Risiko dan Satuan Kerja Manajemen Risiko committee and Risk Management Unit of work.
Tugas dan Tanggung Jawab terkait Pemantauan Risiko Duties and Responsibilities Related to Risk Monitoring
1. Mengevaluasi dan menganalisa laporan profil risiko bank bjb 1. Evaluate and analyze bank bjb risk Profile report on a
secara triwulanan serta laporan lain atau hasil kajian yang quarterly basis as well as other reports or relevant results and
relevan dan memberikan pendapat berupa saran dan atau provide opinions on suggestions and/or recommendations for
rekomendasi untuk perbaikan dan penyempurnaan yang necessary repairs and enhancements.
diperlukan.
2. Mengevaluasi dan menganalisa laporan tingkat kesehatan 2. Evaluate and analyze bank condition report for risk profile
bank untuk bagian profil risiko dan Good Corporate section and Good Corporate Governance.
Governance.
3. Memantau kecukupan proses identifikasi, pengukuran, 3. Monitor the adequacy of identification process, measurement,
pemantauan, pengendalian dan sistem informasi manajemen monitoring, control and risk management information system
risiko bank bjb. of bank bjb.
4. Menyusun dan melaksanakan rencana kerja tahunan Komite 4. Develop and implement the annual work plan of the Risk
Pemantau risiko sesuai ketentuan yang berlaku Monitoring Committee in accordance with applicable
provisions
Pelaksanaan Tugas Terkait Pelaksanaan Tata kelola Dana Execution of Tasks Related to The Implementation of
Pensiun Pension Fund Governance
Komite Pemantau Risiko bertugas membantu Dewan Pengawas The Risk Monitoring Committee is tasked with assisting the
dalam memantau pelaksanaan manajemen risiko yang disusun supervisory board in monitoring the implementation of risk
oleh Pelaksana Tugas Pengurus serta menilai toleransi risiko yang management compiled by the managing task officer and assessing
dapat diambil oleh Dana Pensiun. the risk tolerance that the pension fund can take.
Pelaksanaan Tugas Khusus Special Duty Implementation
1. Melakukan tugas lain yang diberikan Dewan Komisaris 1. Perform other duties given by the BOC within the scope of the
dalam batasan lingkup kerja Komite Pemantau risiko sesuai work of the Risk Monitoring Committee in accordance with
ketentuan perundang-undangan dan peraturan yang berlaku. the provisions of the prevailing laws and regulations.
2. Dalam hal keperluan penugasan yang diberikan Dewan 2. In case of the requirement of the assignment given by the
Komisaris, maka Komite Pemantau risiko dapat mengusulkan Board of Commissioners, the Risk Monitoring Committee may
kepada Dewan Komisaris untuk menggunakan jasa konsultan propose to the Board of Commissioners to use the consultant
sebagai pendamping. services as a companion.
3. Menyampaikan laporan pelaksanaan tugas khusus kepada 3. Submit a report on the implementation of special tasks to the
Dewan Komisaris. Board of Commissioners.
Wewenang Komite Pemantau Risiko Authority of Risk Monitoring Committee
Komite Pemantau risiko berwenang untuk mengakses informasi The Risk Monitoring Committee is authorized to access widest
seluas-luasnya terkait dengan kebijakan manajemen risiko, information relating to the Bank’s risk management policy,
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struktur, pelaksanaan dan pelaporan risiko Bank, serta laporan structure, implementation and risk reporting, as well as other
dan atau informasi lain yang relevan. relevant reports and or information.
Masa Jabatan Komite Pemantau Risiko Term of Service of the Risk Monitoring
Committee
Masa jabatan anggota komite di bawah Dewan Komisaris yang The term of office of committee members under the Board of
menjabat sebagai Dewan Komisaris yaitu sama seperti masa Commissioners serving as the Board of Commissioners was the
jabatan sebagai Dewan Komisaris, sedangkan untuk anggota same as the term of office as the Board of Commissioners, while
Komite yang berasal dari pihak independen masa jabatannya for Committee members who came from independent parties the
selama 2 (dua) tahun. term of office was 2 years.
Struktur, Keanggotaan dan Keahlian Komite Structure, Membership and Expertise of the
Pemantau Risiko Risk Monitoring Committee
1. Komite Pemantau Risiko beranggotakan paling sedikit: 1. Risk Monitoring Committee comprises the least:
a. 1 (satu) orang Komisaris Independen. a. 1 (one) independent commissioner.
b. 1 (satu) orang pihak independen yang memiliki keahlian b. 1 (one) independent party who has financial expertise.
di bidang keuangan.
c. 1 (satu) orang pihak independen yang memiliki keahlian c. 1 (one) independent party with expertise in the field of
di bidang manajemen risiko. risk management.
2. Komite Pemantau Risiko diketuai oleh Komisaris Independen 2. The Risk Monitoring Committee is chaired by an Independent
merangkap sebagai anggota. Commissioner who also serves as a member.
3. Anggota Direksi dilarang menjadi anggota Komite Pemantau 3. Members of directors are prohibited from becoming members
Risiko. of Risk Monitoring Committee.
4. Komisaris Independen dan pihak independen yang menjadi 4. Independent Commissioner and Independent party members
anggota Komite Pemantau Risiko paling sedikit berjumlah of the Risk Monitoring Committee at least amounted to 51%
51% (lima puluh satu persen) dari jumlah anggota Komite (fifty one percent) of the total members of the Risk Monitoring
Pemantau Risiko. Committee.
5. Anggota Komite dari pihak independen ditetapkan oleh 5. Committee members from independent Parties shall be
Dewan Komisaris berdasarkan rekomendasi Komite Nominasi appointed by the Board of Commissioners under the
dan Remunerasi. Anggota Komite dari pihak independen recommendation of the nomination and remuneration
diangkat untuk pertama kalinya selama satu tahun dan committee. Committee members from independent parties
dapat diperpanjang untuk masa kerja satu atau dua tahun are appointed for the first time for one year and may be
berikutnya. extended for the next one or two years.
6. Anggota Komite Pemantau Risiko yang berasal dari pihak 6. Members of the Risk Monitoring Committee who come
independen wajib memiliki rekam jejak yang baik sesuai from independent parties must have a good track record
dengan peraturan perundang-undangan serta memiliki in accordance with the legislation and have good integrity,
integritas, akhlak, dan moral yang baik morality, and moral
7. Anggota KPR dari pihak independen: 7. Members of KPR from independent parties:
a. Tidak menerima kompensasi dari bank dan anak a. Does not receive compensation from banks and bank
perusahaan bank, atau afiliasinya, kecuali upah, gaji dan subsidiaries, or affiliates, except for salary, salary and other
fasilitas lainnya yang diterima berkaitan dengan tugas facilities received in connection with the tasks carried out
yang dilaksanakan sebagai anggota Komite Pemantau as members of the Risk Monitoring Committee;
Risiko;
b. Tidak mempunyai hubungan keluarga maupun bisnis b. Does not have a family or business relationship with the
dengan Direksi dan Dewan Komisaris; Directors and Board of Commissioners;
c. Tidak mempunyai kedudukan rangkap pada bank dan c. Does not have a dual position at the bank and other
perusahaan lainnya yang terafiliasi dengan bank; companies affiliated with the bank;
d. Tidak memiliki tugas, tanggung jawab, dan kewenangan d. Does not have the duties, responsibilities, and authorities
yang menimbulkan benturan kepentingan. that lead to a conflict of interest.
8. Anggota Komite yang berasal dari pihak independen diangkat 8. Committee members originating from independent parties
oleh Direksi bank berdasarkan keputusan rapat Dewan are appointed by the Directors based on the decision of the
Komisaris. Board of Commissioners.
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9. Anggota Komite dari pihak independen dapat diberhentikan 9. Committee members from independent parties may be
oleh Direksi sebelum masa jabatannya berakhir, berdasarkan dismissed by the directors before the end of his term, based
keputusan rapat Dewan Komisaris karena: on the decision of the Board of Commissioners ‘ meeting:
a. Meninggal dunia; a. Passed away;
b. Mengundurkan diri; b. Resign;
c. Tidak dapat melaksanakan tugasnya selama tiga bulan c. Not able to carry out its duties for three consecutive
berturut – turut; months;
d. Tidak dapat menunjukan kinerja yang baik berdasarkan d. Cannot show good performance based on the assessment
penilaian Ketua Komite Pemantau Risiko; of the Chairman of Risk Monitoring Committee;
10. Ketua Komite Pemantau Risiko berhak mengusulkan kepada 10. Chairman of the Risk Monitoring Committee shall be entitled
Dewan Komisaris untuk melakukan penggantian anggota to propose to the Board of Commissioners to change the Risk
Komite Pemantau Risiko. Monitoring Committee.
11. Dalam pelaksanaan tugas sehari-hari, Komite dibantu oleh 11. In the performance of daily tasks, the Committee is assisted
Staf dan/atau Sekretaris Komite Pemantau Risiko yang berasal by the staff and/or the Secretary of the Risk Monitoring
dari kalangan intern bank. Dalam hal tidak ada staf dan/atau committee which originates from the internal banks. In
sekretaris Komite Pemantau Risiko, maka staf Kesekretariatan the event that there is no staff and/or secretary of the risk
Dewan Komisaris melaksanakan tugas sebagai Sekretaris Monitoring Committee, the secretarial staff of the Board
Komite Pemantau Risiko. of Commissioners carries out duties as secretary of the Risk
Monitoring Committee.
Pada Tahun 2023 terjadi perubahan Komposisi Komite Pemantau In 2023, the changes in the composition of the Risk Monitoring
Risiko (KPR) terjadi perubahan sebagai berikut: Committee (KPR) were as follows:
1. Diberhentikan dengan hormat Sdr. Muhadi sebagai Komisaris 1. Honorably dismissed Mr. Muhadi as Commissioner of bank
bank bjb berdasarkan salah satu keputusan RUPS Luar Biasa bjb based on one of the resolutions of the 2023 Extraordinary
Tahun 2023 tanggal 25 Mei 2023. GMS dated May 25, 2023.
2. Pengangkatan Sdr. Rudie Kusmayadi dan Sdr. Tomsi 2. Appointment of Mr. Rudie Kusmayadi and Mr. Tomsi Tohir as
Tohir sebagai Komisaris bank bjb berdasarkan salah satu Commissioner of bank bjb based on one of the resolutions
keputusan RUPS Luar Biasa Tahun 2023 tanggal 25 Mei of the 2023 Extraordinary GMS dated May 25, 2023 and
2023 dan efektif menjabat pada tanggal 9 Agustus 2023 effective dated August 9, 2023 based on the OJK decision
berdasarkan keputusan OJK atas hasil penilaian kemampuan based on the results of the fit and proper test.
dan kepatutan.
3. Berakhirnya perjanjian kerja Sdr. Nuri Effendi sebagai anggota 3. Expiration of employment agreement of Mr. Nuri Effendi
Komite Pemantau Risiko dari pihak independen pada tanggal as a member of the Risk Monitoring Committee from an
28 Oktober 2023. independent party dated October 28 2023.
Berdasarkan salah satu keputusan Rapat Umum Pemegang Saham Based on one of the resolutions of the 2023 bank bjb
Luar Biasa (RUPSLB) bank bjb Tahun 2023 tanggal 25 Mei 2023 Extraordinary General Meeting of Shareholders (EGMS) dated May
terjadi perubahan Komposisi Dewan Komisaris, yang kemudian 25, 2023, there were changes in the composition of the Board
ditindaklanjuti dengan Surat Keputusan Dewan Komisaris No. 04/ of Commissioners, followed up with the Decree of the Board of
SK/DKO/2023 tanggal 22 Agustus 2023 sehingga pada periode Commissioners Decree No. 04/SK/DKO/2023 dated August 22,
31 Desember 2023 komposisi Komite Pemantau Risiko menjadi 2023 so that the composition of the Risk Monitoring Committee
sebagai berikut: as of December 31, 2023 is as follows:
Nama Jabatan Keterangan Keahlian
No.
Name Position Information Expertise
Ketua Merangkap Anggota
Komisaris Independen Peneliti, Keuangan, Ekonomi dan Perbankan
1. Diding Sakri Chairperson concurrently
Independent Commissioner Researcher, Finance, Economics and Banking
member
Komisaris Utama Independen
Anggota Manajemen, Perbankan dan Keuangan
2. Farid Rahman Independent President
member Management, Banking and Finance
Commissioner
Anggota Komisaris Independen Ekonomi, Akuntansi dan Perbankan
3. Fahlino F. Sjuib
member Independent Commissioner Economics, Accounting and Banking
Anggota Komisaris Teknik dan Manajemen
4. Rudie Kusmayadi
member Commissioner Engineering and Management
Anggota Komisaris Teknik dan Perbankan
5. Setiawan Wangsaatmaja
member Commissioner Engineering and Banking
Laporan Tahunan 2023
794 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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Nama Jabatan Keterangan Keahlian
No.
Name Position Information Expertise
Anggota Komisaris Kepolisian dan Managerial
6. Tomsi Tohir
member Commissioner Police and Managerial
Anggota Pihak Independen Ekonomi dan Akuntansi
7. Tettet Fitrijanti
member Independent Party Economics and Accounting
Profil Komite Pemantau Risiko Risk Monitoring Committee Profile
Profil Komite Pemantau Risiko per 31 Desember 2023 adalah The profile of the Risk Monitoring Committee as of December 31,
sebagai berikut. 2023 is as follows.
Diding Sakri
Ketua Merangkap Anggota/Komisaris Independen /
Chairperson Concurrently Member/ Independent Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Kuningan pada tahun 1977, usia 46 tahun per Desember Born in Kuningan in 1977, 46 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Teknik Planologi (Perencanaan Wilayah dan Kota) dari • Bachelor’s degree in Planology Engineering (Regional and City Planning)
Institut Teknologi Bandung (2001). from the Bandung Institute of Technology (2001).
• Master of Arts (double degree) dari Trento University (Italy) dan • Master of Arts (double degree) from Trento University (Italy) and
Regensburg University (Germany) (2011). Regensburg University (Germany) (2011).
• PhD bidang Development Economics King’s College London (United • PhD in Development Economics King’s College London (United Kingdom)
Kingdom) (2020). (2020).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 05/SK/DKO/2022 tanggal 26 Juli 2022 Decree of the Board of Commissioners Number 05/SK/DKO/2022 dated
tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan July 26, 2022 concerning the Distribution of Duties and Implementation
Komisaris serta Komite – komite yang telah beberapa kali diperbaharui of the Activity Schedule for the Board of Commissioners and Committees,
dengan Surat Keputusan Dewan Komisaris terakhir Nomor 04/SK/DKO/2023 having been amended several times with the latest Decree of the Board of
tanggal 22 Agustus 2023 tentang Pembagian Tugas dan Pelaksanaan Commissioners Decree Number 04/SK/DKO/2023 dated August 22, 2023
Jadwal Kegiatan Dewan Komisaris serta Komite – komite concerning the Distribution of Duties and Implementation of the Activity
Schedule for the Board of Commissioners and Committees.
Pengalaman Kerja Work Experience
• Anggota Tim Akselerasi Pembangunan (TAP) Provinsi Jawa Barat (2020 • Member of the West Java Province Development Acceleration Team
– Maret 2022) (TAP) (2020 – March 2022)
• Researcher on Poverty, Inequality, and Inclusive Growth, King’s College • Researcher on Poverty, Inequality, and Inclusive Growth, King’s College
London, United Kingdom (2016 - 2020). London, United Kingdom (2016 - 2020).
• Research Analyst (PREM)/Governance Specialist (GGP), The World Bank • Research Analyst (PREM)/Governance Specialist (GGP), The World Bank
(2011-2015). (2011-2015).
• Komisaris Independen bank bjb (2022 – saat ini). • Independent Commissioner of bank bjb (2022 – present).
Periode dan Masa Jabatan Period of Service
26 Juli 2022 – saat ini (periode pertama). July 26, 2022 – present (first period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 Level 5 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 795
Page 287
TATA KELOLA
PERUSAHAAN
Farid Rahman
Anggota/Komisaris Utama Independen /
Independent Main Member/Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Jakarta
Lahir di Jakarta pada tahun 1958, usia 65 tahun per Desember Born in Jakarta in 1958, 65 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Ekonomi jurusan Manajemen dari Universitas Indonesia • Bachelor’s degree in Economics majoring in Management from the
(1983). University of Indonesia (1983).
• Master bidang Business Administration dari Golden State University, San • Master in Business Administration from Golden State University, San
Fransisco, Amerika Serikat (1987). Francisco, United States (1987).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 01/SK/DKO/2021 tanggal 7 April 2021 Decree of the Board of Commissioners Number 01/SK/DKO/2021, dated
tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan April 7, 2021, concerning the Distribution of Duties and Implementation
Komisaris serta Komite – komite yang telah beberapa kali diperbaharui of the Activity Schedule for the Board of Commissioners and Committees
dengan Surat Keputusan Dewan Komisaris terakhir Nomor 04/SK/DKO/2023 lastly amended by Decree of the Board of Commissioners of PT Bank
tanggal 22 Agustus 2023 tentang Pembagian Tugas dan Pelaksanaan Pembangunan Daerah Jawa Barat and Banten, Tbk. Number 06/SK/
Jadwal Kegiatan Dewan Komisaris serta Komite – komite. DKO/2022, dated November 4, 2022, concerning the distribution of duties
and implementation of the activity schedule for the Board of Commissioners
and Committees.
Pengalaman Kerja Work Experience
• Direktur Utama PT Bank Himpunan Saudara 1906 (1994 – 2011). • President Director of PT Bank Himpunan Saudara 1906 (1994 – 2011).
• Komisaris Utama PT Bank Himpunan Saudara 1906 (2012-2019). • President Commissioner of PT Bank Himpunan Saudara 1906 (2012-
2019).
• Direktur PT Medco Intidinamika (2012 – saat ini). • Director of PT Medco Intidinamika (2012 – present).
• Komisaris Utama Independen bank bjb (2019 – saat ini). • Independent President Commissioner of bank bjb (2019 – present).
Periode dan Masa Jabatan Period of Service
Sebagai anggota sejak 30 April 2019 As a member since April 30, 2019
Sebagai Ketua merangkap anggota sejak 7 April 2021 – saat ini (periode As Chairman and member since April 7, 2021 – present (first period).
pertama).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Laporan Tahunan 2023
796 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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Setiawan Wangsaatmaja
Anggota/Komisaris /
Member/Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1963, usia 60 tahun per Desember Born in Bandung in 1963, 60 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Teknik Lingkungan dari Institut Teknologi Bandung • Bachelor’s degree in Environmental Engineering from the Bandung
(1989). Institute of Technology (1989).
• Master of Sanitary Engineering IHE DEFLT Belanda (1994). • Master of Sanitary Engineering IHE DEFLT Netherlands (1994).
• Master of Environmental Engineering Asian Institute of Technology • Master of Environmental Engineering Asian Institute of Technology
Thailand (1997). Thailand (1997).
• Doktoral bidang Teknik Lingkungan dari Institut Teknologi Bandung • Doctoral degree in Environmental Engineering from the Bandung
(2004). Institute of Technology (2004).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 05/SK/DKO/2022 tanggal 26 Juli 2022 Decree of the Board of Commissioners Number 05/SK/DKO/2022 dated
tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan July 26, 2022 concerning the Distribution of Duties and Implementation
Komisaris serta Komite – komite yang telah beberapa kali diperbaharui of the Activity Schedule for the Board of Commissioners and Committees,
dengan Surat Keputusan Dewan Komisaris terakhir Nomor 04/SK/DKO/2023 having been updated several times with the latest Decree of the Board of
tanggal 22 Agustus 2023 tentang Pembagian Tugas dan Pelaksanaan Commissioners Decree Number 04/SK/DKO/2023 dated August 22, 2023
Jadwal Kegiatan Dewan Komisaris serta Komite – komite concerning the Division of Duties and Implementation of the Activity
Schedule for the Board of Commissioners and Committees.
Pengalaman Kerja Work Experience
• Komisaris PT Perusahaan Perdagangan Indonesia (Persero) (2021- Juli • Commissioner of Indonesian Trading Company (Persero) (2021- July
2022) 2022)
• Sekretaris Daerah Provinsi Jawa Barat (2020 – 2023). • Regional Secretary of West Java Province (2020 – 2023).
• Komisaris bank bjb (2022 – saat ini) • Commissioner of bank bjb (2022 – present)
• Asesor Utama Pemerintah Provinsi Jawa Barat (2023 - saat ini) • Main Assessor of West Java Provincial Government (2023 - present)
Periode dan Masa Jabatan Period of Service
26 Juli 2021 - saat ini (Periode Pertama) July 26, 2021 - present (First Period)
Jabatan Rangkap Concurrent Position
Asesor Utama Pemerintah Provinsi Jawa Barat (2020 – saat ini). Key Assessor of West Java Provincial Government (2020 – up now).
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 4 Level 4 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 797
Page 289
TATA KELOLA
PERUSAHAAN
Fahlino F. Sjuib
Anggota/Komisaris Independen /
Member/Independent Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Jakarta
Lahir di Bandung pada tahun 1972, usia 51 tahun per Desember Born in Bandung in 1972, 51 years old as of December 2023
2023
Riwayat Pendidikan Educational Background
• Sarjana bidang Ekonomi/Akuntansi dari Universitas Katolik Parahyangan • Bachelor’s degree in Economics/Accounting from Parahyangan Catholic
(Bandung) (1996). University (Bandung) (1996).
• Master of Arts Economics dari Western Illionis University (Amerika Serikat) • Master of Arts Economics from Western Illinois University (United States)
(1998). (1998).
• PhD bidang Economics dari Kansas State University (Amerika Serikat) • PhD in Economics from Kansas State University (United States) (2023).
(2023).
Dasar Hukum Pengangkatan Legal Basis for Appointment
04/SK/DKO/2023 tanggal 22 Agustus 2023 tentang Pembagian Tugas dan Decree of the Board of Commissioners Number 04/SK/DKO/2023 dated
Pelaksanaan Jadwal Kegiatan Dewan Komisaris serta Komite – komite August 22, 2023 concerning the Distribution of Duties and Implementation
of Activity Schedules for the Board of Commissioners and Committees.
Pengalaman Kerja Work Experience
• Adjunct Professor of Economics di Boston College Amerika Serikat • Adjunct Professor of Economics at Boston College United States (2017 -
(2017 - saat ini) present)
• EBCICON Universitas Katolik Parahyangan (2018 - saat ini) • EBCICON Parahyangan Catholic University (2018 - present)
• Komisaris Independen bank bjb (2019 - saat ini) • Independent Commissioner of bank bjb (2019 - present)
Periode dan Masa Jabatan Period and Term of Office
22 Agustus 2023 - saat ini (Periode Pertama)
Jabatan Rangkap Concurrent Position
Asesor Utama Pemerintah Provinsi Jawa Barat (2020 – saat ini). August 22, 2023 - present (First Period)
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 Level 5 Risk Management Certification
Laporan Tahunan 2023
798 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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Tettet Fitrijanti
Anggota/Pihak Independen /
Member/Independent Party
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Tarakan, 11 Desember 1968, usia 55 Tahun Tarakan, December 11, 1968/55 Years old
Riwayat Pendidikan Educational Background
• Sarjana di bidang Akuntansi dari Universitas Padjajaran tahun 1987 • Bachelor’s degree in Accounting from Padjadjaran University in 1987
• Magister Akuntansi dari Universitas Gadjah pada tahun 1998 • Masters in Accounting from Gadjah University in 1998
• Doktor di bidang Keuangan pada Universitas Padjajaran tahun 2004. • Doctorate in Finance at Padjadjaran University in 2004.
Dasar Hukum Pengangkatan Legal Basis for Appointment
• Berdasarkan Surat Keputusan Direksi Nomor 023/SK/DIR-CS/2014 • Based on the Decree of the Board of Directors Number 023/SK/DIR-
tanggal 24 Januari 2014 periode menjabat terhitung mulai tanggal 01 CS/2014 dated January 24, 2014 for term of service since dated January
Januari 2014 sampai dengan 31 Desember 2014. 1, 2014 up to December 31, 2014.
• Berdasarkan Surat Keputusan Direksi Nomor 1066/SK/DIR-CS/2015 • Based on the Decree of the Board of Directors Number 1066/SK/DIR-
tanggal 19 Januari 2015 periode menjabat terhitung mulai tanggal 01 CS/2015 dated January 19, 2015 for term of service since dated January
Januari 2015 sampai dengan 31 Desember 2015. 1, 2015 up to December 31, 2015.
• Berdasarkan Surat Keputusan Direksi Nomor 1140/SK/DIR-CS/2015 • Based on the Decree of the Board of Directors Number 1140/SK/DIR-
tanggal 01 Januari 2016 periode menjabat terhitung mulai tanggal 01 CS/2015 dated January 1, 2016 for term of service since dated January 1,
Januari 2016 sampai dengan 31 Desember 2017. 2016 up to December 31, 2017.
• Berdasarkan Surat Keputusan Direksi Nomor 1206/SK/DIR-CS/2017 • Based on the Decree of the Board of Directors Number 1206/SK/DIR-
tanggal 29 Desember 2017 periode menjabat terhitung mulai tanggal 01 CS/2017 dated December 29, 2017 for term of service since dated
Januari 2018 sampai dengan 31 Desember 2019. January 1, 2018 up to December 31, 2019.
• Berdasarkan Surat Keputusan Direksi Nomor 1310/SK/DIR-CSE/2019 • Based on the Decree of the Board of Directors Number 1310/SK/DIR-
tanggal 19 Desember 2019 periode menjabat terhitung mulai tanggal 01 CSE/2019 dated December 19, 2019 for term of service since dated
Januari 2020 sampai dengan 31 Desember 2021. January 1, 2020 up to December 31, 2021.
• Berdasarkan Surat Keputusan Direksi Nomor 0807/SK/DIR-CSE/2021 • Based on the Decree of the Board of Directors Number 0807/SK/DIR-
tanggal 22 Desember 2021 periode menjabat terhitung mulai tanggal 01 CSE/2021 dated December 22, 2021 for term of service since dated
Januari 2022 sampai dengan 31 Desember 2023. January 1, 2022 up to December 31, 2023.
Pengalaman Kerja Work Experience
Beliau menduduki berbagai jabatan penting, antara lain: She held various important positions, among others:
• Ketua Program Studi Sarjana Terapan Akuntansi Sektor Publik FEB • Head of Applied Undergraduate Study Program in Public Sector
UNPAD (2021 - sekarang) Accounting FEB UNPAD (2021 - present)
• Ketua Program Studi Magister Akuntansi Fakultas Ekonomi dan Bisnis • Head of the Master of Accounting Study Program, Faculty of Economics
Universitas Padjadjaran (2016 - 2021) and Business, Padjadjaran University (2016 - 2021)
• Dosen Departemen Akuntansi Fakultas Ekonomi dan Bisnis Universitas • Lecturer in the Accounting Department, Faculty of Economics and
Padjadjaran (1995 - sekarang) Business, Padjadjaran University (1995 - present)
Periode dan Masa Jabatan Period and Term of Office
• 01 Januari 2014 sampai dengan 31 Desember 2014 (Periode Pertama) • January 1, 2014 to December 31, 2014 (First Period)
• 01 Januari 2015 sampai dengan 31 Desember 2015 (Periode Kedua) • January 1, 2015 to December 31, 2015 (Second Period)
• 01 Januari 2016 sampai dengan 31 Desember 2017 (Periode Ketiga) • January 1, 2016 to December 31, 2017 (Third Period)
• 01 Januari 2018 sampai dengan 31 Desember 2019 (Periode Keempat) • January 1, 2018 to December 31, 2019 (Fourth Period)
• 01 Januari 2020 sampai dengan 31 Desember 2021 (Periode Kelima) • January 1, 2020 to December 31, 2021 (Fifth Period)
• 01 Januari 2022 sampai dengan 31 Desember 2023 (Periode Keenam) • January 01, 2022 to December 31, 2023 (Sixth Period)
Jabatan Rangkap Concurrent Position
• Ketua Program Studi Sarjana Terapan Akuntansi Sektor Publik FEB • Head of Applied Undergraduate Study Program in Public Sector
UNPAD (2021 – sekarang) Accounting, FEB UNPAD (2021 – present)
• Dosen Departemen Akuntansi Fakultas Ekonomi dan Bisnis Universitas • Lecturer in the Accounting Department, Faculty of Economics and
Padjadjaran (1995 - sekarang) Business, Padjadjaran University (1995 - present)
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Sertifikasi Certification
• Sertifikasi Manajemen Risiko Jenjang 6 – dari BSMR (2019) • Level IV Risk Management Certification – from BSMR (2019)
• Sertifikasi CGRCOP, Certified Governance Risk management & • CGRCOP Certification, Certified Governance Risk management &
Compliance Oversight Professional – dari LSP GRK, 70209 1210 0000016 Compliance Oversight Professional – from LSP GRK, 70209 1210
2021 (2021) 0000016 2021 (2021)
• Sertifikasi CWM (2021) • CWM Certification (2021)
• Sertifikasi CA (2014)
• CA Certification (2014)
• Sertifikasi SAS (2011)
• SAS Certification (2011)
• Sertifikasi Ak (1997)
• AK Certification (1997)
Kualifikasi Pendidikan dan Pengalaman Kerja Education and Work Experience Qualification
Komite Pemantau Risiko of Risk Monitoring Committee
Tabel Kualifikasi Pendidikan dan Pengalaman Kerja Komite Pemantau Risiko
Table of Educational and Work Experience Qualifications of the Risk Monitoring Committee
Nama Jabatan Pendidikan Pengalaman Kerja
Name Position Educational Background Work Experience
• S1 Teknik Perencanaan Wilayah dan
Kota
Ketua Merangkap
• S2 Master of Arts Memiliki pengalaman kerja di bidang peneliti,
Anggota
• S3 PhD Development Economics keuangan, dan ekonomi.
Diding Sakri Chairman
• Bachelor of Regional and City Planning Has work experience in research, finance, and
Concurrently
Engineering economics
Member
• Master of Arts
• PhD in Development Economics
• S1 Manajemen
Memiliki pengalaman kerja di bidang
Anggota • S2 Banking & Finance
Farid Rahman perbankan.
Member • Bachelor of Management
Has work experience in banking.
• Masters in Banking and Finance
• S1 Bidang Akuntansi
• S2 Master of Arts dibidang Economics Memiliki pengalaman kerja di bidang
Anggota • S3 PhD of Economics pendidikan, ekonomi dan perbankan
Fahlino F Sjuib
Member • Bachelor's Degree in Accounting Has work experience in the fields of education,
• Master of Arts in Economics economics and banking
• PhD in Economics
• S1 Manajemen Pembangunan Daerah
• S2 Manajemen Pembangunan Daerah Memiliki Pengalaman Sebagai Direktur Utama
Anggota • Bachelor's Degree in Regional PERUMDA Air Minum Tirta Raharja
Rudie Kusmayadi
Member Development Management Has experience as President Director of
• Masters in Regional Development PERUMDA Tirta Raharja Drinking Water
Management
• S1 Teknik Lingkungan
• S2 Magister Sanitary Engineering
• S2 Magister Environmental Engineering
• S3 Teknik Lingkungan Memiliki pengalaman kerja di bidang
Anggota
Setiawan Wangsaatmaja • Bachelor of Environmental Engineering pemerintahan.
Member
• Masters in Sanitary Engineering Has work experience in the government sector.
• Masters in Environmental Engineering
• Doctoral Degree in Environmental
Engineering
Memiliki pengalaman kerja di bidang Kepolisian
• Akademi Kepolisian
Republik Indonesia dan Kementerian Dalam
Anggota • S2 Kajian Ilmu Kepolisian
Tomsi Tohir Negeri.
Member • Police Academy
Has work experience in the Indonesian National
• Master of Police Studies
Police and the Ministry of Home Affairs.
• S1 Akuntansi
• S2 Akuntansi
Memiliki pengalaman kerja di bidang
Anggota • S3 Keuangan
Tettet Fitrijanti pendidikan dan Perbankan
Member • S1 Accounting
Has work experience in education and banking
• Masters in Accounting
• PhD in Finance
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Independensi Komite Pemantau Risiko Independence of Risk Monitoring Committee
Tabel Independensi Komite Pemantau Risiko
Table of Risk Monitoring Committee Independence
Aspek Independensi Diding Farid Fahlino Setiawan Rudie Tomsi Tettet
Indepedence Aspects Sakri Rahman F. Sjuib Wangsaatmaja Kusmayadi Tohir Fitrijanti
Tidak memiliki hubungan
keuangan dengan Dewan
Komisaris dan Direksi
Has no financial relationship √ √ √ √ √ √ √
with the Board of
Commissioners and Board of
Directors
Tidak memiliki hubungan
kepengurusan di perusahaan,
anak perusahaan, maupun
perusahaan afiliasi
√ √ √ √ √ √ √
Has no management
relationship in the company,
subsidiaries or affiliated
companies
Tidak memiliki hubungan
kepemilikan saham di
perusahaan √ √ √ x √ √ √
Has no share ownership
relationship in the company
Tidak memiliki hubungan
keluarga dengan Dewan
Komisaris, Direksi, dan/atau
sesama anggota Komite
Pemantau Risiko
Has no family relationship √ √ √ √ √ √ √
with the Board of
Commissioners, Board of
Directors, and/or fellow
members of the Risk
Monitoring Committee
Tidak menjabat sebagai
pengurus partai politik,
pejabat dan pemerintah
√ √ √ √ √ √ √
Not serving as administrators
of political parties, officials
and government
Rapat Komite Pemantau Risiko Risk Monitoring Committee Meeting
KEBIJAKAN RAPAT KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE MEETING POLICY
Ketentuan mengenai pelaksanaan rapat Komite Pemantau Risiko The provisions regarding the implementation of Risk Monitoring
telah tertuang dalam Pedoman dan Tata Tertib Kerja Komite Committee meeting have been contained in the guidelines and
Pemantau Risiko diantaranya adalah sebagai berikut: the Code of conduct of the Risk Monitoring Committee are
1. Komite Pemantau Risiko mengadakan rapat paling sedikit mentioned as follows:
1 (satu) kali dalam 4 (empat) bulan dan/atau disesuaikan 1. Risk Monitoring Committee convene a meeting of at least 1
dengan kebutuhan Bank. (one) time in 4 (four) months and/ or adjusted to the needs of
the Bank.
2. Rapat Komite Pemantau Risiko dapat mengambil keputusan 2. The Risk Monitoring Committee meeting can make a decision
apabila sekurang-kurangnya dihadiri oleh 51% (lima puluh if at least 51% (fifty one per hundred) is attended by the
satu per seratus) dari jumlah anggota termasuk seorang number of members including an independent commissioner.
Komisaris Independen.
3. Keputusan rapat Komite Pemantau Risiko dilakukan 3. Decision meeting of Risk Monitoring Committee is conducted
berdasarkan musyawarah mufakat. based on consensus deliberation.
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TATA KELOLA
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4. Apabila dalam musyawarah tidak tercapai kata mufakat, maka 4. If in deliberation is not reached the word consensus, then
pengambilan keputusan dilakukan dengan cara pengambilan decision making is done by means of the most voting (voting).
suara terbanyak (pemungutan suara).
5. Sehubungan dengan pemungutan suara, maka setiap 5. With respect to voting, each member of the Risk Monitoring
anggota Komite Pemantau Risiko yang hadir berhak Committee present is entitled to give 1 (one) vote and an
memberikan 1 (satu) suara dan tambahan 1 (satu) suara additional 1 (one) vote for each member of the Risk Monitoring
untuk setiap anggota Komite Pemantau Risiko yang berasal Committee which is derived from the Commissioner/
dari Komisaris/Komisaris Independen yang diwakilinya dan independent Commissioner which it represents and is
dilengkapi dengan surat kuasa. equipped with a power of attorney.
6. Rapat Komite Pemantau Risiko dipimpin oleh ketua Komite 6. The Risk Monitoring committee meeting is led by the
Pemantau Risiko atau anggota Komite Pemantau Risiko yang Chairman of the Risk Monitoring Committee or a member of
ditunjuk apabila ketua Komite Pemantau Risiko berhalangan the Risk Monitoring Committee appointed if the chairman of
hadir dan dituangkan dengan jelas dalam risalah rapat. the Risk Monitoring Committee is absent and clearly outlined
in the minutes of the meeting.
7. Jika dipandang perlu, Komite Pemantau Risiko dapat 7. If deemed necessary, the Risk Monitoring Committee may
mengundang pihak lain yang terkait dengan materi rapat invite other Parties related to the meeting material in the Risk
dalam rapat Komite Pemantau Risiko. Monitoring Committee meeting.
8. Setiap rapat Komite Pemantau Risiko dituangkan dalam 8. Each meeting of the Risk Monitoring Committee is poured in
risalah rapat dan ditandatangani oleh seluruh anggota Komite the minutes of the meeting and signed by all members of the
yang hadir serta didokumentasikan dengan baik. Committee present and well documented.
9. Perbedaan pendapat (dissenting opinions) yang terjadi dalam 9. Dissenting opinions that occur in the meeting of the Risk
rapat Komite Pemantau Risiko wajib dicantumkan dalam Monitoring Committee shall be listed in the minutes of the
risalah rapat beserta alasan perbedaan pendapat tersebut. meeting and the reasons for the disagreements.
AGENDA RAPAT KOMITE PEMANTAU RISIKO AGENDA MEETING OF RISK MONITORING
COMMITTEE
Sepanjang tahun 2023, tanggal pelaksanaan, agenda rapat dan Throughout 2023, the implementation date, meeting agenda
Peserta rapat Komite Pemantau Risiko, sebagai berikut. and participants in the Risk Monitoring Committee meeting are
as follows.
Tabel Agenda Rapat Komite Pemantau Risiko
Table of Agenda for the Risk Monitoring Committee Meeting
Tanggal Agenda Peserta Rapat
No
Date Agendas Meeting Participants
1 Rabu, 15 Februari 2023 Pembahasan Tingkat Kesehatan Bank (TKB) Unit Dana Pensiun Lembaga • Diding Sakri
Wednesday, February 15, Keuangan (DPLK) bank bjb Periode Tahun 2022 • Farid Rahman
2023 Discussion on Bank Soundness Level (TKB) of bank bjb Financial Institution • Fahlino F. Sjuib
Pension Funds Unit for 2022 • Muhadi*
• Nury Effendi**
• Tettet Fitrijanti
2 Rabu, 29 Maret 2023 Evaluasi Risiko Operasional Berdasarkan Laporan Profil Risiko dan Tingkat • Diding Sakri
Wednesday, March 29, 2023 Kesehatan bank bjb • Farid Rahman
Operational Risk Evaluation based on bank bjb Risk Profile Report and • Fahlino F. Sjuib
Soundness Level • Muhadi*
• Nury Effendi**
• Tettet Fitrijanti
3 Selasa, 13 Juni 2023 1. Pembahasan Profil Risiko bank bjb Periode Triwulan I Tahun 2023 • Diding Sakri
Tuesday, June 13, 2023 2. Pembahasan Evaluasi Risiko Kredit Berdasarkan Laporan RCCR • Farid Rahman
3. Pembahasan Review Program Kerja KPR Tahun 2023 (Internal KPR) • Fahlino F. Sjuib
1. Discussion of bank bjb Risk Profile for the First Quarter of 2023 • Setiawan Wangsaatmaja
2. Discussion on Credit Risk Evaluation Based on RCCR Report • Nury Effendi**
3. Discussion on the 2023 KPR Work Program Review (Internal KPR) • Tettet Fitrijanti
4 Selasa, 18 Juli 2023 1. Pembahasan Tingkat Kesehatan Bank Semester I Tahun 2023 • Diding Sakri
Tuesday, July 18 2023 2. Pembahasan Profil Risiko Triwulan II Tahun 2023 • Farid Rahman
1. Discussion on Bank Soundness Level for Semester I of 2023 • Setiawan Wangsaatmaja
2. Discussion on Risk Profile for the Second Quarter of 2023 • Fahlino F. Sjuib
• Nury Effendi**
• Tettet Fitrijanti
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Tanggal Agenda Peserta Rapat
No
Date Agendas Meeting Participants
5 Rabu, 27 September 2023 Pembahasan Kesiapan Pelaksanaan Tugas dan Fungsi Divisi Manajemen Risiko • Diding Sakri
Wednesday, September 27, Operasional • Farid Rahman
2023 Discussion on Readiness for the Implementation of Operational Risk • Fahlino F. Sjuib
Management Division’s Duties and Functions • Rudie Kusmayadi***
• Setiawan Wangsaatmaja
• Tomsi Tohir ***
• Nury Effendi**
• Tettet Fitrijanti
6 Selasa, 28 November 2023 1. Evaluasi Pelaksanaan Fungsi Manajemen Risiko dan Kepatuhan DPLK bank • Diding Sakri
Tuesday, November 28, 2023 bjb • Farid Rahman
2. Pembahasan Profil Risiko Triwulan III Tahun 2023 • Fahlino F. Sjuib
3. Pembahasan Profil Risiko Operasional Triwulan III Secara Spesifik • Rudie Kusmayadi***
1. Evaluation of the implementation of bank bjb Risk Management Function • Setiawan Wangsaatmaja
and DPLK Compliance • Tomsi Tohir ***
2. Discussion on Risk Profile for the Third Quarter of 2023 • Tettet Fitrijanti
3. Discussion on Operational Risk Profile for the Third Quarter Specifically
7 Kamis, 21 November 2023 1. Pembahasan Pelaksanaan Kerangka Kebijakan Manajemen Risiko dan • Diding Sakri
Thursday, November 21, Evaluasi Kebijakan Manajemen Risiko • Farid Rahman
2023 2. Pembahasan RCCR bank bjb segmen kredit UMKM • Fahlino F. Sjuib
1. Discussion on the Implementation of Risk Management Framework and Risk • Rudie Kusmayadi***
Management Policy Evaluation • Setiawan Wangsaatmaja
2. Discussion on bank bjb RCCR for MSME Credit Segment • Tomsi Tohir ***
• Tettet Fitrijanti
8 Kamis, 21 Desember 2023 1. Evaluasi Hasil Stress Test BUST dan Climate Change Risk • Diding Sakri
Thursday, December 21, 2. Pembahasan Program Kerja Komite Pemantau Risiko bank bjb Tahun 2024 • Farid Rahman
2023 1. Evaluation of Stress Test BUST and Climate Change Risk Results • Fahlino F. Sjuib
2. Discussion on the 2024 bank bjb Risk Monitoring Committee Work Program • Rudie Kusmayadi***
• Setiawan Wangsaatmaja
• Tomsi Tohir ***
• Tettet Fitrijanti
* Diberhentikan dengan hormat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 tanggal 25 Mei 2023
** Diangkat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 dan Efektif menjabat pada tanggal 9 Agustus 2023 berdasarkan
hasil keputusan Penilaian Kemampuan dan Kepatutan dari Otoritas Jasa Keuangan.
*** Berakhirnya masa jabatan Anggota Komite Pemantau Risiko dari Pihak Independen pada tanggal 28 Oktober 2023.
* Respectfully dismissed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) dated May 25,2023
** Appointed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) and effective on August 9, 2023 based on the results of the Fit
and Proper Test decision from the Financial Services Authority.
*** The term of office of the Independent Party Risk Monitoring Committee members ends on October 28, 2023
FREKUENSI DAN TINGKAT KEHADIRAN RAPAT FREQUENCY AND ATTENDANCE OF THE RISK
KOMITE PEMANTAU RISIKO MONITORING COMMITTEE MEETING
Selama tahun 2023, Komite Pemantau Risiko telah melaksanakan During 2023, the Risk Monitoring Committee has held 8 (eight)
rapat sebanyak 8 (delapan) kali. Adapun frekuensi dan tingkat meetings. The frequency and level of attendance of the meetings
kehadiran rapat masing-masing anggota Komite Pemantau Risiko of each member of the Risk Monitoring Committee are as follows.
adalah sebagai berikut.
Tabel Tingkat Kehadiran Rapat Komite Pemantau Risiko
Table Attendance Meeting of Risk Monitoring Committee
Rapat Komite Pemantau Risiko
Risk Monitoring Committee Meeting
Jumlah dan Persentase Kehadiran
Nama Jabatan
The Number and Attendance Percentage
Name Position
Jumlah Rapat
Jumlah Kehadiran Persentase
Number of
Number of Attendance Percentage
Meetings
Ketua Merangkap Anggota
Diding Sakri Chairman Concurrently 8 8 100%
Member
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Rapat Komite Pemantau Risiko
Risk Monitoring Committee Meeting
Jumlah dan Persentase Kehadiran
Nama Jabatan
The Number and Attendance Percentage
Name Position
Jumlah Rapat
Jumlah Kehadiran Persentase
Number of
Number of Attendance Percentage
Meetings
Anggota
Farid Rahman 8 8 100%
Member
Anggota
Fahlino F. Sjuib 8 8 100%
Member
Anggota
Muhadi* 2 2 100%
Member
Anggota
Rudie Kusmayadi** 4 4 100%
Member
Anggota
Setiawan Wangsaatmaja 8 6 75%
Member
Anggota
Tomsi Tohir** 4 4 100%
Member
Anggota
Tettet Fitrijanti 8 8 100%
Member
Anggota
Nury Effendi*** 5 5 100%
Member
* Diberhentikan dengan hormat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 tanggal 25 Mei 2023
** Diangkat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 dan Efektif menjabat pada tanggal 9 Agustus 2023 berdasarkan hasil
keputusan Penilaian Kemampuan dan Kepatutan dari Otoritas Jasa Keuangan.
*** Berakhirnya masa jabatan Anggota Komite Pemantau Risiko dari Pihak Independen pada tanggal 28 Oktober 2023.
* Respectfully dismissed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) dated May 25, 2023
** Appointed based on one of the decisions of the 2023 Extraordinary General Meeting of Shareholders (GMS) and effective on August 9, 2023 based on the results of the Fit and
Proper Test decision from the Financial Services Authority.
*** The term of office of the Independent Party Risk Monitoring Committee members ends on October 28, 2023.
Program Peningkatan Kompetensi Komite Competency Improvement Program Risk
Pemantau Risiko Monitoring Committee
Jenis Pelatihan dan Materi
Waktu dan Tempat
Pengembangan
Nama Jabatan Pelaksanaan Penyelenggara
Kompetensi /Pelatihan
Name Position Implementation Time Organizer
Types of Training and Competency
and Place
Development/ Training Materials
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau Pelatihan
Ketua Merangkap Anggota
anggota Dewan Komisaris
Diding Sakri Chairman Concurrently
Education and/or training can be seen in the Education and/or training section for
Member
members of the Board of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau Pelatihan
Anggota anggota Dewan Komisaris
Farid Rahman
Member Education and/or training can be seen in the Education and/or training section for
members of the Board of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau Pelatihan
Anggota anggota Dewan Komisaris
Fahlino F. Sjuib
Member Education and/or training can be seen in the Education and/or training section for
members of the Board of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau Pelatihan
Anggota anggota Dewan Komisaris
Rudie Kusmayadi
Member Education and/or training can be seen in the Education and/or training section for
members of the Board of Commissioners
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Jenis Pelatihan dan Materi
Waktu dan Tempat
Pengembangan
Nama Jabatan Pelaksanaan Penyelenggara
Kompetensi /Pelatihan
Name Position Implementation Time Organizer
Types of Training and Competency
and Place
Development/ Training Materials
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau Pelatihan
Anggota anggota Dewan Komisaris
Setiawan Wangsaatmaja
Member Education and/or training can be seen in the Education and/or training section for
members of the Board of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau Pelatihan
Anggota anggota Dewan Komisaris
Tomsi Tohir
Member Education and/or training can be seen in the Education and/or training section for
members of the Board of Commissioners
Workshop and Refreshment Sertifikasi
Manajemen Risiko : Stress Test Jakarta, 22 - 23
Anggota Operational and Bank Risk Management November 2023 PT Sinergi Indonesia
Tettet Fitrijanti
Member Workshop and Refreshment Sertifikasi Jakarta, November 22 – Pintar
Manajemen Risiko : Stress Test 23, 2023
Operational and Bank Risk Management
Program Kerja dan Pelaksanaan Tugas Komite Work Program and Implementation of The
Pemantau Risiko Tahun 2023 Duties of The Risk Monitoring Committee of
2023
Selama tahun 2023 Komite Pemantau Risiko telah melaksanakan During 2023, the Risk Monitoring Committee had conducted its
tugas dan tanggung jawabnya sesuai dengan program kerja yang duties and responsibilities in accordance with the work program
telah ditetapkan diantaranya adalah sebagai berikut: that has been determined, as follows:
1. Melakukan Evaluasi Tingkat Kesehatan Bank (TKB) bank bjb. 1. Evaluating bank bjb’s Soundness Level (TKB).
2. Melakukan pembahasan dan memberikan rekomendasi atas 2. Discussing and providing recommendations on bank bjb’s
Profil Risiko bank bjb secara berkala. Risk Profile periodically.
3. Melakukan evaluasi atas Tingkat Kesehatan Dana Pensiun 3. Evaluating the soundness level of bank bjb’s Financial
Lembaga Keuangan (DPLK) bank bjb. Institution Pension Fund (DPLK).
4. Melakukan evaluasi secara spesifik pada risiko kredit dan 4. Conducting specific evaluations on credit risk and the Micro,
segmen kredit Usaha Mikro Kecil dan Menengah (UMKM) Small and Medium Enterprises (MSME) credit segment based
berdasarkan Analisa Root Cause Credit Risk (RCCR) bank bjb. on bank bjb’s Root Cause Credit Risk (RCCR) Analysis.
5. Melakukan pembahasan dan evaluasi atas pemisahan fungsi 5. Commencing discussions and evaluations on the separation
pengelolaan risiko operasional yang dilakukan oleh bank bjb of operational risk management functions carried out by
serta kesiapan Divisi Manajemen Risiko Operasional (MRO) bank bjb as well as the readiness of the Operational Risk
sebagai Divisi baru untuk mengelola risiko operasional. Management Division (MRO) as a new Division to manage
operational risk.
6. Melakukan Evaluasi atas penerapan fungsi manajemen risiko 6. Evaluating the implementation of the risk management
dan fungsi kepatuhan pada Unit Dana Pensiun Lembaga function and compliance function at the bank bjb’s Financial
Keuangan (DPLK) bank bjb. Institution Pension Fund Unit (DPLK).
7. Melakukan pembahasan dan evaluasi terhadap Kebijakan 7. Performing discussions and evaluations of bank bjb’s Risk
Manajemen Risiko dan Kerangka Manajemen Risiko bank bjb. Management Policy and Risk Management Framework.
8. Melakukan Evaluasi atas hasil Bottom Up Stress Test (BUST) 8. Evaluating the results of the Bottom Up Stress Test (BUST)
Credit, Market dan Liquidity Risk. Credit, Market and Liquidity Risk.
9. Melakukan evaluasi atas hasil Climate Risk Stress Testing 9. Evaluating the results of Climate Risk Stress Testing (CRST),
(CRST), yang dilakukan oleh Divisi Manajemen Risiko Pasar, which was carried out by the Market, Credit and Integrated
Kredit dan Terintegrasi. Risk Management Division.
Komite Tata Kelola Terintegrasi Integrated Governance Committee
Peraturan Otoritas Jasa Keuangan Nomor 18/POJK.03/2014 Financial Services Authority Regulation Number 18/POJK.03/2014,
tentang Penerapan Tata Kelola Terintegrasi Bagi Konglomerasi dated November 18, 2014, concerning the Implementation of
Keuangan guna mengatur pelaksanaan tata kelola terintegrasi bagi Integrated Governance for Financial Conglomerates to regulate the
Lembaga Jasa Keuangan yang memiliki hubungan kepemilikan implementation of Integrated Governance for Financial Services
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 805
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TATA KELOLA
PERUSAHAAN
dan/atau pengendalian. Oleh karena itu setiap Lembaga Jasa Institutions that have ownership and/or control relationships.
Keuangan yang tergabung dalam konglomerasi keuangan wajib Therefore, every Financial Service Institution incorporated in the
menerapkan tata kelola secara terintegrasi. Dalam pelaksanaan Financial Conglomerate is required to implement Integrated
tata kelola terintegrasi bank bjb telah membentuk Komite Tata Governance. In implementing Integrated Governance, bank
Kelola Terintegrasi sebagai pengawasan untuk memberikan bjb has established an Integrated Governance Committee as a
rekomendasi atau nasihat dalam pelaksanaan kebijakan tersebut. supervisor to provide recommendations or advice in implementing
the policy.
Dasar Pembentukan Komite Tata Kelola The Basis of Integrated Governance Committee
Terintegrasi
Komite Tata Kelola Terintegrasi bank bjb dibentuk berdasarkan: bank bjb Integrated Governance Committee was formed based
on:
1. Peraturan Otoritas Jasa Keuangan Nomor 18/POJK.03/2014 1. OJK Regulation Number 18/ POJK.03/2014 concerning
tentang Penerapan Tata Kelola Terintegrasi Bagi Konglomerasi Implementation of Integrated Governance for Financial
Keuangan Conglomerates
2. Peraturan Otoritas Jasa Keuangan Nomor 17/POJK.03/2014 2. OJK Regulation Number 17/ POJK.03/2014 and Financial
dan Surat Edaran Otoritas Jasa Keuangan Nomor 14/ Services Authority Circular Letter Number 14/SEOJK.03/2015
SEOJK.03/2015 tentang Penerapan Manajemen Risiko concerning Implementation of Integrated Risk Management
Terintegrasi bagi Konglomerasi Keuangan. for Financial Conglomerates.
3. Surat Keputusan Dewan Komisaris Nomor 05/SK/DK/2016 3. Decree of the Board of Commissioners number 05/SK/
tanggal 31 Maret 2016 Tentang Pembentukan Komite Tata DK/2016 dated March 31, 2016 concerning the Establishment
Kelola Terintegrasi. of the Integrated Governance Committee.
4. Peraturan Otoritas Jasa Keuangan Nomor 45/POJK.03/2020 4. Financial Services Authority Regulation Number 45/
tanggal 16 Oktober 2020 tentang Konglomerasi Keuangan. POJK.03/2020 dated October 16, 2020 concerning Financial
Conglomerates.
5. Surat Keputusan Dewan Komisaris Nomor 05/SK/DKO/2022 5. Decree of the Board of Commissioners Number 05/SK/
tanggal 26 Juli 2022 tentang Pembagian Tugas dan DKO/2022 dated July 26, 2022 concerning the Distribution
Pelaksanaan Jadwal Kegiatan Dewan Komisaris serta Komite of Duties and Implementation of the Activity Schedule for
– komite yang telah diubah sebagaimana perubahan terakhir the Board of Commissioners and Committees, having been
berdasarkan Surat Keputusan Dewan Komisaris Nomor 04/ updated several times with the latest Decree of the Board
SK/DKO/2023 tanggal 22 Agustus 2023 Tentang Pembagian of Commissioners Decree Number 04/SK/DKO/2023 dated
Tugas dan Pelaksanaan Jadwal Kegiatan Dewan Komisaris August 22, 2023 concerning the Division of Duties and
serta Komite – komite. Implementation of the Activity Schedule for the Board of
Commissioners and Committees.
Piagam Komite Tata Kelola Terintegrasi Integrated Governance Committee Charter
Perseroan memiliki Pedoman dan Tata Tertib Kerja Komite The Company had Guidelines and Work Orders for the Integrated
Tata Kelola Terintegrasi berdasarkan Surat Keputusan Dewan Governance Committee based on the Decree of the Board of
Komisaris Surat Keputusan Dewan Komisaris Nomor 05/ SK/ Commissioners, Decree of the Board of Commissioners Number
DK/2016 tanggal 31 Maret 2016 yang telah diperbaharui dan 05/SK/DK/2016 dated March 31, 2016 which had been updated
ditetapkan dengan Surat Keputusan Dewan Komisaris nomor 06/ and stipulated by the Decree of the Board of Commissioners
SK/DKO/2021 tanggal 28 Desember 2021 tentang Pedoman dan number 06/SK/DKO/2021 dated December 28, 2021 concerning
Tata Tertib Kerja Serta Struktur Keanggotaan Komite Tata Kelola Guidelines and Work Procedures and Membership Structure of
Terintegrasi. the Integrated Governance Committee.
Tugas dan Tanggung Jawab Komite Tata Kelola Duties and Responsibilities of The Integrated
Terintegrasi Governance Committee
Adapun tugas dan tanggung jawab Komite Tata Kelola The duties and responsibilities of the Integrated Governance
Terintegrasi yaitu: Committee were:
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A. Tugas dan Tanggung Jawab Terkait Tata Kelola A. Duties and Responsibilities Related to Integrated
Terintegrasi Governance
1. Mengevaluasi pelaksanaan Tata Kelola Terintegrasi paling 1. Evaluating the implementation of Integrated Governance
sedikit melalui penilaian kecukupan pengendalian intern at least through an assessment of the adequacy of internal
dan pelaksanaan fungsi kepatuhan secara terintegrasi; control and the implementation of an integrated compliance
function.
2. Memberikan rekomendasi kepada Dewan Komisaris 2. Providing recommendations to the Main Entity Board of
Entitas Utama mengenai pelaksanaan tugas dan Commissioners regarding the implementation of the duties
tanggung jawab Direksi Entitas Utama atas pelaksanaan and responsibilities of the Main Entity Directors for the
Kebijakan Tata Kelola Terintegrasi dan tindak lanjut hasil implementation of the Integrated Governance Policy and
audit dari pihak intern dan ekstern. follow-up audit results from internal and external parties.
3. Melakukan evaluasi terhadap Kebijakan Tata Terintegrasi 3. Evaluating the established Integrated Governance Policy.
yang telah ditetapkan.
4. Memberikan rekomendasi kepada Dewan Komisaris 4. Providing recommendations to the Main Entity’s Board
Entitas Utama untuk penyempurnaan Pedoman Tata of Commissioners for the improvement of the Integrated
Kelola Terintegrasi. Governance Guidelines.
5. Menyusun dan melaksanakan rencana kerja tahunan 5. Preparing and implementing the annual work plan of the
Komite Tata Kelola Terintegrasi sesuai arahan Dewan Integrated Governance Committee in accordance with the
Komisaris dan ketentuan yang berlaku di Bank. direction of the Board of Commissioners and applicable
regulations at the Bank.
6. Membuat laporan hasil evaluasi dan merekomendasikan 6. Making a report on the evaluation results and recommend
kepada Dewan Komisaris paling kurang 1 (satu) kali to the Board of Commissioners at least 1 (one) time in each
dalam setiap Triwulan. Quarter.
B. Tugas dan Tanggung Jawab Terkait Sinergi Perbankan B. Duties and Responsibilities Related to Banking Synergy
1. Komite tata kelola terintegrasi melakukan pemantauan 1. The integrated governance committee monitored the
terhadap pelaksanaan Sinergi Perbankan. implementation of Banking Synergy.
2. Entitas Utama wajib menyampaikan laporan hasil 2. The Main Entity was required to submit a report on the
pemantauan terhadap pelaksanaan Sinergi Perbankan results of monitoring on the implementation of Banking
sebagaimana dimaksud pada point 1 kepada Otoritas Synergy as referred to in point 1 to the Financial Services
Jasa Keuangan. Authority.
3. Laporan hasil pemantauan sebagaimana dimaksud pada 3. The monitoring result report as referred to in point 2
point 2 disampaikan bersamaan dengan laporan penilaian was submitted together with the integrated governance
pelaksanaan tata kelola terintegrasi. implementation assessment report.
C. Pelaksanaan Tugas Khusus C. Implementation of Special Tasks
1. Melakukan tugas lain yang diberikan Dewan Komisaris 1. Performing other tasks assigned by the Board of
dalam batasan lingkup kerja Komite Tata Kelola Commissioners within the scope of work of the Integrated
Terintegrasi sesuai ketentuan perundang-undangan Governance Committee in accordance with the prevailing
dan peraturan Bank Indonesia/Peraturan Otoritas Jasa laws and regulations of Bank Indonesia/Financial Services
Keuangan yang berlaku. Authority Regulations.
2. Dalam hal keperluan penugasan yang diberikan Dewan 2. In terms of the need for assignments given by the Board
Komisaris, maka Komite Tata Kelola Terintegrasi dapat of Commissioners, the Integrated Governance Committee
menggunakan jasa pihak ketiga yang kompeten dan might use the services of a competent and independent
independen. third parties.
3. Menyampaikan laporan pelaksanaan tugas khusus 3. Submitting a report on the implementation of special
kepada Dewan Komisaris. tasks to the Board of Commissioners.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 807
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TATA KELOLA
PERUSAHAAN
Wewenang Komite Tata Kelola Terintegrasi Authority of The Integrated Governance
Committee
1. Komite Tata Kelola Terintegrasi berwenang untuk mengakses 1. The Integrated Governance Committee was authorized
informasi seluas-luasnya terkait dengan struktur konglomerasi to access the widest possible information related to the
keuangan serta kebijakan, pelaksanaan dan pelaporan Tata structure of the financial conglomerate as well as policies,
Kelola Terintegrasi Bank, dan laporan atau informasi lainnya. implementation and reporting of the Bank’s Integrated
Governance, and other reports or information.
2. Komite Tata Kelola Terintegrasi dapat merekomendasikan 2. The Integrated Governance Committee might recommend
kepada Dewan Komisaris untuk menunjuk pihak untuk to the Board of Commissioners to appoint parties to carry
melaksanakan fungsi yang mendukung tugas dan tanggung out functions that supported the duties and responsibilities
jawab Dewan Komisaris paling sedikit komite atau fungsi of the Board of Commissioners, at least an audit monitoring
pemantauan audit, dan komite atau fungsi pemantauan committee or function, and a compliance monitoring
kepatuhan. committee or function.
Masa Jabatan Komite Tata Kelola Terintegrasi Term of Service of the Integrated Governance
Committee
Masa jabatan anggota komite di bawah Dewan Komisaris yang The term of office of committee members under the Board of
menjabat sebagai Dewan Komisaris yaitu sama seperti masa Commissioners serving as the Board of Commissioners was the
jabatan sebagai Dewan Komisaris, sedangkan untuk anggota same as the term of office as the Board of Commissioners, while
Komite yang berasal dari pihak independen masa jabatannya for Committee members who are from independent parties the
selama 2 tahun. term of office was 2 (two) years.
Struktur, Keanggotaan dan Keahlian Komite Structure, Membership and Expertise of The
Tata Kelola Terintegrasi Integrated Governance Committee
Struktur Komite Tata Kelola Terintegrasi terdiri dari: The structure of the Integrated Governance Committee:
1. Ketua Komite Tata Kelola Terintegrasi dari Komisaris 1. Chairman of the Integrated Governance Committee.
Independen.
2. Anggota Komite Tata Kelola Terintegrasi dari Komisaris 2. Member of the Integrated Governance Committee of the
Independen. Independent Commissioner.
3. Anggota Komite Tata Kelola Terintegrasi dari Komisaris. 3. Member of the Integrated Governance Committee of
Commissioners.
4. Anggota Komite Tata Kelola Terintegrasi dari pihak 4. Member of the Integrated Governance Committee of the
independen. Parties.
5. Anggota Komite Tata Kelola Terintegrasi dari Ex Officio 5. Member of the Integrated Governance Committee of Ex
Dewan Komisaris bank bjb Syariah. officio of the Board of Commissioners bank bjb Syariah.
6. Anggota Komite Tata Kelola Terintegrasi dari Ex Officio 6. Member of the Integrated Governance Committee of Ex
Dewan Pengawas bank bjb Syariah. officio of the supervisory board of bank bjb Syariah.
7. Anggota Komite Tata Kelola Terintegrasi dari Ex Officio 7. Member of the Integrated Governance Committee from the
Dewan Pengawas PT BPR LPK Intan Jabar. Ex Officio Board of Commissioners of PT BPR Intan Jabar.
8. Anggota Komite Tata Kelola Terintegrasi dari Ex Officio 8. Member of the Integrated Governance Committee from the
Dewan Pengawas PT BPR Karya Utama Jabar. Ex Officio Board of Commissioners of PT BPR Karya Utama
Jabar.
9. Anggota Komite Tata Kelola Terintegrasi dari Ex Officio 9. Member of the Integrated Governance Committee from Ex
Komisaris bjb Sekuritas. Officio Commissioner of bjb Sekuritas.
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Pada Tahun 2023 terjadi perubahan susunan komposisi Komite In 2023, there were changes in the composition of the Integrated
Tata Kelola Terintegrasi yaitu sebagai berikut: Governance Committee, as follows:
1. Diberhentikan dengan hormat Sdr. Muhadi sebagai Komisaris 1. Honorably dismissed Mr. Muhadi as bank bjb’s the Board of
bank bjb berdasarkan salah satu keputusan Rapat Umum Commissioners based on one of the resolution of the 2023
Pemegang Saham (RUPS) Luar Biasa Tahun 2023. Extraordinary General Meeting of Shareholders.
2. Pengangkatan Sdr. Rudie Kusmayadi dan Sdr. Tomsi Tohir 2. Appointment of Mr. Rudie Kusmayadi and Mr. Tomsi Tohir
sebagai Komisaris bank bjb berdasarkan salah satu keputusan as bank bjb’s the Board of Commissioners based on one of
Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun the resolution of the 2023 Extraordinary General Meeting
2023 yang efektif menjabat pada tanggal 9 Agustus 2023 of Shareholders effective since dated August 9, 2023 based
berdasarkan Hasil Keputusan fit and proper test dari Otoritas on the fit and proper test results of the Financial Services
Jasa Keuangan (OJK). Authority (OJK).
Berdasarkan hal tersebut Dewan Komisaris menindaklanjuti Based on this issue, the Board of Commissioners followed up by
dengan menetapkan Surat Keputusan Dewan Komisaris nomor stipulating the Decree of the Board of Commissioners number 04/
04/SK/DKO/2023 tanggal 22 Agustus 2023 tentang tentang SK/DKO/2023 dated August 22, 2023 concerning the Distribution
Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan of Duties and Implementation of the Activity Schedule for the
Komisaris serta Komite - komite, sehingga pada periode 31 Board of Commissioners and Committees so that the composition
Desember 2023 susunan Komite Tata Kelola Terintegrasi menjadi of the Integrated Governance Committee as of December 31,
sebagai berikut: 2023 is as follows:
Nama Jabatan Keterangan Keahlian
No.
Name Position Information Expertise
Ketua Merangkap Anggota
Komisaris Independen Ekonomi, Akuntansi dan Perbankan
1. Fahlino F. Sjuib Chairman Concurrently
Independent Commissioner Economics, Accounting and Banking
Member
Komisaris Utama Independen
Anggota Manajemen, Perbankan dan Keuangan
2. Farid Rahman Independent President
Member Management, Banking and Finance
Commissioner
Anggota Komisaris Independen Peneliti, Keuangan, Ekonomi dan Perbankan
3. Diding Sakri
Member Independent Commissioner Researcher, Finance, Economics and Banking
Anggota Komisaris Teknik dan Manajemen
4. Rudie Kusmayadi
Member Commissioner Engineering and Management
Anggota Komisaris Teknik dan Perbankan
5. Setiawan Wangsaatmaja
Member Commissioner Engineering and Banking
Anggota Komisaris Kepolisian dan Managerial
6. Tomsi Tohir
Member Commissioner Police and Managerial
Anggota Pihak Independen Ekonomi dan Akuntansi
7. Humbul Kristiawan
Member Independent Party Economics and Accounting
Profil Komite Tata Kelola Terintegrasi Profile of the Integrated Governance
Committee
Profil Komite Tata Kelola Terintegrasi per 31 Desember 2023 The Integrated Governance Committee profile as of December 31,
adalah sebagai berikut. 2023 is as follows.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 809
Page 301
TATA KELOLA
PERUSAHAAN
Fahlino F. Sjuib
Ketua merangkap Anggota/Komisaris Independen /
Chairman Concurrently Member/Independent Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Jakarta
Lahir di Bandung pada tahun 1972, usia 51 tahun per Desember Born in Bandung in 1972, 51 years old as of December 2023
2023
Riwayat Pendidikan Educational Background
• Sarjana bidang Ekonomi/Akuntansi dari Universitas Katolik Parahyangan • Bachelor’s degree in Economics/Accounting from Parahyangan Catholic
(Bandung) (1996). University (Bandung) (1996).
• Master of Arts Economics dari Western Illionis University (Amerika Serikat) • Master of Arts Economics from Western Illinois University (United States)
(1998). (1998).
• PhD bidang Economics dari Kansas State University (Amerika Serikat) • PhD in Economics from Kansas State University (United States) (2023).
(2023).
Dasar Hukum Pengangkatan Legal Basis for Appointment
04/SK/DKO/2023 tanggal 22 Agustus 2023 tentang Pembagian Tugas dan Decree of the Board of Commissioners Number 04/SK/DKO/2023 dated
Pelaksanaan Jadwal Kegiatan Dewan Komisaris serta Komite – komite August 22, 2023 concerning the Distribution of Duties and Implementation
of the Activity Schedules for the Board of Commissioners and Committees.
Pengalaman Kerja Work Experience
• Adjunct Professor of Economics di Boston College Amerika Serikat • Adjunct Professor of Economics at Boston College United States (2017 -
(2017 - saat ini) present)
• EBCICON Universitas Katolik Parahyangan (2018 - saat ini) • EBCICON Parahyangan Catholic University (2018 - present)
• Komisaris Independen bank bjb (2019 - saat ini) • Bank bjb Independent Commissioner (2019 - present)
Periode dan Masa Jabatan Period of Service
22 Agustus 2023 - saat ini (Periode Pertama) August 22, 2023 - present (First Period)
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 Level 5 Risk Management Certification
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Farid Rahman
Anggota/Komisaris Utama Independen /
Independent Main Member/Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Jakarta
Lahir di Jakarta pada tahun 1958, usia 65 tahun per Desember Born in Jakarta in 1958, 65 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Ekonomi jurusan Manajemen dari Universitas Indonesia • Bachelor’s degree in Economics majoring in Management from the
(1983). University of Indonesia (1983).
• Master bidang Business Administration dari Golden State University, San • Master in Business Administration from Golden State University, San
Fransisco, Amerika Serikat (1987). Francisco, United States (1987).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 01/SK/DKO/2021 tanggal 7 April 2021 Decree of the Board of Commissioners Number 01/SK/DKO/2021, dated
tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan April 7, 2021, concerning the Distribution of Duties and Implementation
Komisaris serta Komite – komite yang telah beberapa kali diperbaharui of the Activity Schedule for the Board of Commissioners and Committees
dengan Surat Keputusan Dewan Komisaris terakhir Nomor 04/SK/DKO/2023 lastly amended by Decree of the Board of Commissioners of PT Bank
tanggal 22 Agustus 2023 tentang Pembagian Tugas dan Pelaksanaan Pembangunan Daerah Jawa Barat and Banten, Tbk. Number 06/SK/
Jadwal Kegiatan Dewan Komisaris serta Komite – komite. DKO/2022, dated November 4, 2022, concerning the distribution of duties
and implementation of the activity schedule for the Board of Commissioners
and Committees.
Pengalaman Kerja Work Experience
• Direktur Utama PT Bank Himpunan Saudara 1906 (1994 – 2011). • President Director of PT Bank Himpunan Saudara 1906 (1994 – 2011).
• Komisaris Utama PT Bank Himpunan Saudara 1906 (2012-2019). • President Commissioner of PT Bank Himpunan Saudara 1906 (2012-
2019).
• Direktur PT Medco Intidinamika (2012 – saat ini). • Director of PT Medco Intidinamika (2012 – present).
• Komisaris Utama Independen bank bjb (2019 – saat ini). • Independent President Commissioner of bank bjb (2019 – present).
Periode dan Masa Jabatan Period of Service
Sebagai anggota sejak 30 April 2019 As a member since April 30, 2019
Sebagai Ketua merangkap anggota sejak 7 April 2021 – saat ini (periode As Chairman and member since April 7, 2021 – present (first period).
pertama).
Jabatan Rangkap Concurrent Position
Direktur PT Medco Intidinamika (2012 – saat ini). Director of PT Medco Intidinamika (2012 – present).
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 811
Page 303
TATA KELOLA
PERUSAHAAN
Diding Sakri
Anggota/Komisaris Independen /
Member/Independent Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Kuningan pada tahun 1977, usia 46 tahun per Desember Born in Kuningan in 1977, 46 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Teknik Planologi (Perencanaan Wilayah dan Kota) dari • Bachelor’s degree in Planology Engineering (Regional and City Planning)
Institut Teknologi Bandung (2001). from the Bandung Institute of Technology (2001).
• Master of Arts (double degree) dari Trento University (Italy) dan • Master of Arts (double degree) from Trento University (Italy) and
Regensburg University (Germany) (2011). Regensburg University (Germany) (2011).
• PhD bidang Development Economics King’s College London (United • PhD in Development Economics King’s College London (United Kingdom)
Kingdom) (2020). (2020).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 05/SK/DKO/2022 tanggal 26 Juli 2022 Decree of the Board of Commissioners Number 05/SK/DKO/2022 dated July
tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan 26, 2022 concerning the Division of Duties and Implementation of the Activity
Komisaris serta Komite – komite yang telah beberapa kali diperbaharui Schedule for the Board of Commissioners and Committees which has been
dengan Surat Keputusan Dewan Komisaris terakhir Nomor 04/SK/DKO/2023 updated several times with the latest Decree of the Board of Commissioners
tanggal 22 Agustus 2023 tentang Pembagian Tugas dan Pelaksanaan Decree Number 04/SK/DKO/2023 dated August 22, 2023 concerning the
Jadwal Kegiatan Dewan Komisaris serta Komite – komite Division of Duties and Implementation of the Activity Schedule for the Board
of Commissioners and Committees.
Pengalaman Kerja Work Experience
• Anggota Tim Akselerasi Pembangunan (TAP) Provinsi Jawa Barat (2020 • Member of the West Java Province Development Acceleration Team
– Maret 2022) (TAP) (2020 – March 2022)
• Researcher on Poverty, Inequality, and Inclusive Growth, King’s College • Researcher on Poverty, Inequality, and Inclusive Growth, King’s College
London, United Kingdom (2016 - 2020). London, United Kingdom (2016 - 2020).
• Research Analyst (PREM)/Governance Specialist (GGP), The World Bank • Research Analyst (PREM)/Governance Specialist (GGP), The World Bank
(2011-2015). (2011-2015).
• Komisaris Independen bank bjb (2022 – saat ini). • Independent Commissioner of bank bjb (2022 – present).
Periode dan Masa Jabatan Period of Service
26 Juli 2022 – saat ini (periode pertama). July 26, 2022 – present (first period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 Level 5 Risk Management Certification
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Setiawan Wangsaatmaja
Anggota/Komisaris /
Member/Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1963, usia 60 tahun per Desember Born in Bandung in 1963, 60 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Teknik Lingkungan dari Institut Teknologi Bandung • Bachelor’s degree in Environmental Engineering from the Bandung
(1989). Institute of Technology (1989).
• Master of Sanitary Engineering IHE DEFLT Belanda (1994). • Master of Sanitary Engineering IHE DEFLT Netherlands (1994).
• Master of Environmental Engineering Asian Institute of Technology • Master of Environmental Engineering Asian Institute of Technology
Thailand (1997). Thailand (1997).
• Doktoral bidang Teknik Lingkungan dari Institut Teknologi Bandung • Doctoral degree in Environmental Engineering from the Bandung
(2004). Institute of Technology (2004).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 05/SK/DKO/2022 tanggal 26 Juli 2022 Decree of the Board of Commissioners Number 05/SK/DKO/2022 dated July
tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan Dewan 26, 2022 concerning the Division of Duties and Implementation of the Activity
Komisaris serta Komite – komite yang telah beberapa kali diperbaharui Schedule for the Board of Commissioners and Committees which has been
dengan Surat Keputusan Dewan Komisaris terakhir Nomor 04/SK/DKO/2023 updated several times with the latest Decree of the Board of Commissioners
tanggal 22 Agustus 2023 tentang Pembagian Tugas dan Pelaksanaan Decree Number 04/SK/DKO/2023 dated August 22, 2023 concerning the
Jadwal Kegiatan Dewan Komisaris serta Komite – komite Division of Duties and Implementation of the Activity Schedule for the Board
of Commissioners and Committees.
Pengalaman Kerja Work Experience
• Komisaris PT Perusahaan Perdagangan Indonesia (Persero) (2021- Juli • Commissioner of PT Perusahaan Perdagangan Indonesia (Persero) (2021-
2022) July 2022)
• Sekretaris Daerah Provinsi Jawa Barat (2020 – 2023). • Regional Secretary of West Java Province (2020 – 2023).
• Komisaris bank bjb (2022 – saat ini) • Commissioner of bank bjb (2022 – present)
• Asesor Utama Pemerintah Provinsi Jawa Barat (2023 - saat ini) • Main Assessor of West Java Provincial Government (2023 - present)
Periode dan Masa Jabatan Period of Service
26 Juli 2021 - saat ini (Periode Pertama) July 26, 2021 - present (First Period)
Jabatan Rangkap Concurrent Position
Asesor Utama Pemerintah Provinsi Jawa Barat (2020 – saat ini). Main Assessor of West Java Provincial Government (2020 – present).
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 4 Level 4 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 813
Page 305
TATA KELOLA
PERUSAHAAN
Rudie Kusmayadi
Anggota/Komisaris /
Member/Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Cimahi Cimahi
Lahir di Ciamis pada tahun 1958, usia 65 tahun per Desember Born in Ciamis in 1958, 65 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana Muda Teknik Lingkungan dari Akademi Teknik Pekerjaan Umum • Bachelor of Environmental Engineering from the West Java Academy of
Jabar (1982). Public Works Engineering (1982).
• Sarjana Manajemen Pembangunan Daerah dari STIA LAN (2001). • Bachelor of Regional Development Management from STIA LAN (2001).
• Pasca Sarjana Manajemen Pembangunan Daerah dari STIA LAN (2024) • Postgraduate Regional Development Management from STIA LAN
(2024)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 04/SK/DKO/2023 tanggal 22 Agustus Decree of the Board of Commissioners Number 04/SK/DKO/2023 dated
2023 tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan August 22, 2023 concerning the Distribution of Duties and Implementation
Dewan Komisaris serta Komite – komite. of the Activity Schedules for the Board of Commissioners and Committees.
Pengalaman Kerja Work Experience
• Direktur Teknik Perusahaan Umum Daerah Air Minum Tirta Raharja • Technical Director of Regional Public Drinking Water Company Tirta
(2005 - 2007) Raharja (2005 - 2007)
• PLT Direktur Utama Perusahaan Umum Daerah Air Minum Tirta Raharja • PLT Main Director of Tirta Raharja Regional Public Drinking Water
(2007 - 2009) Company (2007 - 2009)
• Direktur Utama Perusahaan Umum Daerah Air Minum Tirta Raharja • President Director of Tirta Raharja Regional Drinking Water Company
(2009 - 2023) (2009 - 2023)
• Sekretaris Daerah Provinsi Jawa Barat (2020 – 2023). • Regional Secretary of West Java Province (2020 – 2023).
• Komisaris bank bjb (2023 – saat ini) • Commissioner of bank bjb (2023 – present)
Periode dan Masa Jabatan Period of Service
22 Agustus 2023 - saat ini (Periode Pertama) August 22, 2023 - present (First Period)
Jabatan Rangkap Concurrent Position
-
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 4 Level 4 Risk Management Certification
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Tomsi Tohir
Anggota/Komisaris /
Member/Commissioner
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Jakarta
Lahir di Tanjung Karang pada tahun 1969, usia 54 tahun per Born in Tanjung Karang in 1969, 54 years old as of December
Desember 2023. 2023.
Riwayat Pendidikan Educational Background
• Akademi Kepolisian (1990). • Police Academy (1990).
• Pasca Sarjana bidang Kajian Ilmu Kepolisian dari Universitas Indonesia • Postgraduate in Police Studies from the University of Indonesia (2001)
(2001)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Surat Keputusan Dewan Komisaris 04/SK/DKO/2023 tanggal 22 Agustus Decree of the Board of Commissioners Number 04/SK/DKO/2023 dated
2023 tentang tentang Pembagian Tugas dan Pelaksanaan Jadwal Kegiatan August 22, 2023 concerning the Distribution of Duties and Implementation
Dewan Komisaris serta Komite – komite. of the Activity Schedules for the Board of Commissioners and Committees.
Pengalaman Kerja Work Experience
• Kapolda Provinsi Nusa Tenggara Barat (2019 - 2020) • West Nusa Tenggara Province Police Chief (2019 - 2020)
• Sahli Sospol Kapolri (2020 - 2022) • Sahli Sospol Chief of Police (2020 - 2022)
• Inspektorat Jenderal Kementerian Dalam Negeri (2002 - Saat ini) • Inspectorate General of the Ministry of Home Affairs (2002 - Present)
• Komisaris bank bjb (2022 – saat ini) • Commissioner of bank bjb (2022 – present)
Periode dan Masa Jabatan Period of Service
22 Agustus 2023 - saat ini (Periode Pertama) August 22, 2023 - present (First Period)
Jabatan Rangkap Concurrent Position
Inspektorat Jenderal Kementerian Dalam Negeri (2002 - Saat ini) Inspectorate General of the Ministry of Home Affairs (2002 - present)
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 4 Level 4 Risk Management Certification
2023 Annual Report
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Humbul Kristiawan
Anggota/Pihak Independen /
Member/Independent Party
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Jakarta
Lahir di Sukabumi, 17 Januari pada tahun 1975 usia 48 tahun per Born in Sukabumi, January 17, 1975, age 48 years old as of
Desember 2023. December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Ekonomi Jurusan Akuntansi di Universitas Padjadjaran • Bachelor’s Degree in Economics, Department of Accounting at
(1997) Padjadjaran University (1997)
• Master of Business Administration di Institut Teknologi Bandung (2012) • Master of Business Administration at Bandung Institute of Technology
(2012)
Dasar Hukum Pengangkatan Legal Basis for Appointment
• Berdasarkan Surat Keputusan Direksi Nomor 0386/SK/DIR-CSE/2022 • Based on Decree of the Board of Directors Number 0386/SK/DIR-CSE/2022
tanggal 26 Juli 2022 periode menjabat terhitung mulai tanggal 26 Juli dated July 26, 2022 for term of service since dated July 26, 2022 until July
2022 sampai dengan 25 Juli 2023. 25, 2023.
• Berdasarkan Surat Keputusan Direksi Nomor 0273/SK/DIR-CSE/2023 • Based on Decree of the Board of Directors Number 0273/SK/DIR-CSE/2023
tanggal 24 Juli 2023 periode menjabat terhitung mulai tanggal 26 Juli dated July 24, 2023 for term of service since dated July 26, 2023 until July
2023 sampai dengan 25 Juli 2025. 25, 2025.
Pengalaman Kerja Work Experience
• Partner Deloitte South East Asia (2014 – 2016) • Partner Deloitte South East Asia (2014 – 2016)
• Partner RSM AAJ (2017 – 2018) • Partner RSM AAJ (2017 – 2018)
• Anggota Komite Pemantau Risiko PT Pegadaian Tahun 2020 sampai • Member of PT Pegadaian Risk Monitoring Committee from 2020 to
dengan saat ini. present.
• Anggota Komite Audit PT Bank UOB Indonesia Tahun 2021 sampai • Member of the PT Bank UOB Indonesia Audit Committee from 2021 to
dengan saat ini. present.
Periode dan Masa Jabatan Period of Service
• 26 Juli 2022 sampai dengan 25 Juli 2023 (Periode Pertama) • July 26, 2022 to July 25, 2023 (First period)
• 26 Juli 2023 sampai dengan 25 Juli 2025 (Periode Kedua) • July 26, 2023 until July 25, 2025 (Second Period)
Jabatan Rangkap Concurrent Position
• Komite Pemantau Risiko PT Pegadaian Tahun 2020 sampai dengan saat • Member of PT Pegadaian Risk Monitoring Committee from 2020 to
ini. present.
• Komite Audit PT Bank UOB Indonesia Tahun 2021 sampai dengan saat • Member of the PT Bank UOB Indonesia Audit Committee from 2021 to
ini. present.
Sertifikasi Certification
• Registered Accountant • Registered Accountant
• Chartered Accountant • Chartered Accountant
• Certified Internal Auditor • Certified Internal Auditor
• Certified Internal Control Auditor • Certified Internal Control Auditor
• Certified in Audit Committee Practices • Certified in Audit Committee Practices
• Certified Governance Risk Management and Compliance Professional • Certified Governance Risk Management and Compliance Professional
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Kualifikasi Pendidikan dan Pengalaman Kerja Education Qualification and Work Experience
Komite Tata Kelola Terintegrasi Integrated Governance Committee
Tabel Kualifikasi Pendidikan dan Pengalaman Kerja Komite Tata Kelola Terintegrasi
Table of Education Qualification and Work Experience integrated Governance Committee
Nama Jabatan Pendidikan Pengalaman Kerja
Name Position Educational Background Work Experience
• S1 Bidang Akuntansi
• S2 Master of Arts dibidang
Ketua Merangkap Economics Memiliki pengalaman kerja di bidang pendidikan,
Anggota • S3 PhD of Economics ekonomi dan perbankan
Fahlino F Sjuib
Chairman • Bachelor's Degree in Has work experience in education, economics and
Concurrently Member Accounting banking
• Master of Arts in Economics
• PhD in Economics
• S1 Manajemen
Anggota • S2 Banking & Finance Memiliki pengalaman kerja di bidang perbankan.
Farid Rahman
Member • Bachelor of Management Has work experience in banking.
• Masters in Banking and Finance
• S1 Teknik Perencanaan Wilayah
dan Kota
• S2 Master of Arts
Memiliki pengalaman kerja di bidang peneliti,
• S3 PhD Development
Anggota keuangan, dan ekonomi.
Diding Sakri Economics
Member Has work experience in research, finance and
• Bachelor of Regional and City
economics.
Planning Engineering
• Master of Arts
• PhD Development Economics
• S1 Manajemen Pembangunan
Daerah
• S2 Manajemen Pembangunan Memiliki Pengalaman Sebagai Direktur Utama
Anggota Daerah PERUMDA Air Minum Tirta Raharja
Rudie Kusmayadi
Member • Bachelor's Degree in Regional Has experience as President Director of PERUMDA Tirta
Development Management Raharja Drinking Water
• Masters in Regional
Development Management
• S1 Teknik Lingkungan
• S2 Magister Sanitary
Engineering
• S2 Magister Environmental
Engineering
• S3 Teknik Lingkungan
Anggota Memiliki pengalaman kerja di bidang pemerintahan.
Setiawan Wangsaatmaja • Bachelor of Environmental
Member Has work experience in government.
Engineering
• Masters in Sanitary Engineering
• Masters in Environmental
Engineering
• Doctoral Degree in
Environmental Engineering
• Akademi Kepolisian
Memiliki pengalaman kerja di bidang Kepolisian
• S2 Kajian Ilmu Kepolisian
Anggota Republik Indonesia dan Kementerian Dalam Negeri.
Tomsi Tohir • Police Academy
Member Has work experience in the Indonesian National Police
• Masters in Police Science
and the Ministry of Home Affairs.
Studies
• S1 Ekonomi Akuntansi
• S2 Business Administration Memiliki pengalaman kerja di bidang Perbankan, Audit,
Anggota • Bachelor of Economics in dan Manajemen Risiko.
Humbul Kristiawan
Member Accounting Has work experience in Banking, Audit and Risk
• Master of Business Management.
Administration
2023 Annual Report
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Independensi Komite Tata Kelola Terintegrasi Independence of the Integrated Governance
Committee
Tabel Independensi Komite Tata Kelola Terintegrasi
Table of Integrated Governance Committee Independency
Aspek Independensi Fahlino F. Farid Diding Rudie Setiawan Tomsi Humbul
Aspect of Independence Sjuib Rahman Sakri Kusmayadi Wangsaatmaja Tohir Kristiawan
Tidak memiliki hubungan
keuangan dengan Dewan
Komisaris dan Direksi
Has no financial √ √ √ √ √ √ √
relationship with the Board
of Commissioners and
Board of Directors
Tidak memiliki hubungan
kepengurusan di
perusahaan, anak
perusahaan, maupun
perusahaan afiliasi √ √ √ √ √ √ √
Has no management
relationship in the
company, subsidiaries or
affiliated companies
Tidak memiliki hubungan
kepemilikan saham di
perusahaan √ √ x √ √ √ √
Has no share ownership
relationship in the company
Tidak memiliki hubungan
keluarga dengan Dewan
Komisaris, Direksi, dan/atau
sesama anggota Komite
Tata Kelola Terintegrasi
Has no family relationship √ √ √ √ √ √ √
with the Board of
Commissioners, Board of
Directors, and/or fellow
members of the Integrated
Governance Committee
Tidak menjabat sebagai
pengurus partai politik,
pejabat dan pemerintah
Not serving as √ √ √ √ √ √ √
administrators of political
parties, officials and
government
Rapat Komite Tata Kelola Terintegrasi Integrated Governance Committee Meeting
KEBIJAKAN RAPAT KOMITE TATA KELOLA INTEGRATED GOVERNANCE COMMITTEE MEETING
TERINTEGRASI POLICY
Ketentuan Rapat Komite Tata Kelola Terintegrasi diatur dalam The Integrated Governance Committee meeting provisions are
Pedoman dan Tata Tertib Kerja Komite Tata Kelola Terintegrasi governed by the Code and Code of conduct of the Integrated
adalah sebagai berikut: Governance Committee as follows:
1. Rapat Komite Tata Kelola Terintegrasi mengadakan rapat 1. Integrated Governance Committee meeting held at least 4
sekurang-kurangnya 4 (empat) kali dalam 1 (satu) tahun, (four) times in 1 (one) year, adjusted to the needs of the Bank.
disesuaikan dengan kebutuhan Bank.
2. Rapat Komite Tata Kelola Terintegrasi membahas mengenai 2. Integrated Governance Committee meeting discusses policy
evaluasi kebijakan dan penerapan tata kelola terintegrasi evaluation and integrated governance implementation of LJK.
pada LJK.
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3. Rapat Komite Tata Kelola Terintegrasi dapat dilaksanakan 3. Integrated Governance Committee meeting can be
melalui video conference. implemented through video conference.
4. Hasil rapat Komite Tata Kelola Terintegrasi dituangkan dalam 4. The results of the Integrated Governance Committee
risalah rapat dan didokumentasikan secara baik. meeting are set forth in the minutes of the meeting and well
documented.
5. Perbedaan pendapat (dissenting opinion) yang terjadi dalam 5. Dissenting opinion that occurs in the meeting of the Integrated
rapat Komite Tata Kelola Terintegrasi dicantumkan secara Governance Committee is clearly listed in the minutes of the
jelas dalam risalah rapat beserta alasan perbedaan pendapat. meeting and the reasons of disagreements.
6. Rapat Komite Tata Kelola Terintegrasi dapat mengambil 6. The Integrated Governance Committee meeting is able to
keputusan apabila sekurang-kurangnya dihadiri oleh 51% make a decision if at least 51% (fifty one and a hundred) of the
(lima puluh satu per seratus) dari jumlah anggota termasuk member’s number including an independent commissioner.
seorang Komisaris Independen.
7. Keputusan rapat Komite Tata Kelola Terintegrasi dilakukan 7. The decision of the Integrated Governance Committee
berdasarkan musyawarah mufakat. meeting is based on consensus deliberation.
8. Apabila dalam musyawarah tidak tercapai kata mufakat, maka 8. If in deliberation is not reached the word consensus, then the
pengambilan keputusan dilakukan dengan cara pengambilan decision making is done by means of the most voting.
suara terbanyak (pemungutan suara).
9. Sehubungan dengan pengambilan suara, maka setiap 9. With respect to voting, each member of the Integrated
anggota Komite Tata Kelola Terintegrasi yang hadir berhak Governance Committee who is present is entitled to provide 1
memberikan 1 (satu) suara dan tambahan 1 (satu) suara (one) vote and an additional 1 (one) vote for each member of
untuk setiap anggota Komite Tata Kelola Terintegrasi yang the Integrated Governance Committee that is represented by
diwakilinya yang dilengkapi dengan surat kuasa. the Power of Attorney.
10. Rapat Komite Tata Kelola Terintegrasi dipimpin oleh ketua 10. The Integrated Governance Committee meeting is headed by
Komite Tata Kelola Terintegrasi atau anggota Komite Tata the Chairman of the Integrated Governance Committee or a
Kelola Terintegrasi yang berasal dari unsur Dewan Komisaris member of the Integrated Governance Committee which is
apabila ketua Komite Tata Kelola Terintegrasi berhalangan derived from the Board of Commissioners when the Chairman
hadir. of the Integrated Governance Committee is absent.
11. Jika dipandang perlu, Komite Tata Kelola Terintegrasi dapat 11. If deemed necessary, the Integrated Governance Committee
mengundang pihak lain dari internal Bank yang terkait dengan may invite other Parties from the internal Bank in relation
materi rapat dalam rapat Komite Tata Kelola Terintegrasi. to the meeting material at the Integrated Governance
Committee meeting.
AGENDA RAPAT KOMITE TATA KELOLA INTEGRATED GOVERNANCE COMMITTEE MEETING
TERINTEGRASI AGENDA
Sepanjang tahun 2023, tanggal pelaksanaan, agenda rapat dan Throughout 2023, the implementation date, meeting agenda and
peserta rapat Komite Tata Kelola Terintegrasi, sebagai berikut. Integrated Governance Committee meeting participants are as
follows.
Tabel Agenda Rapat Komite Tata Kelola Terintegrasi
Table of Agenda of Integrated Governance Committee
Tanggal Agenda Peserta Rapat
No
Date Agendas Meeting participants
1. Pembahasan Evaluasi Pelaksanaan Tata Kelola Terintegrasi Periode Triwulan IV • Fahlino F. Sjuib
Tahun 2022 • Farid Rahman
2. Pembahasan Evaluasi Kinerja Perusahaan Anak dan Terelasi Periode Triwulan • Diding Sakri
Rabu, 29 Maret 2023
IV Tahun 2022 • Muhadi
1. Wednesday, March 29,
1. Discussion on Evaluation of the Implementation of Integrated Governance for • Setiawan Wangsaatmaja
2023
the Fourth Quarter of 2022 • Humbul Kristiawan
2. Discussion on Evaluation of Subsidiaries and Related Companies Performance
for the Fourth Quarter of 2022
2023 Annual Report
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TATA KELOLA
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Tanggal Agenda Peserta Rapat
No
Date Agendas Meeting participants
Rabu, 21 Juni 2023 1. Evaluasi Pelaksanaan Tugas dan wewenang oleh Direktur yang membawahkan • Fahlino F. Sjuib
Wednesday, June 21, fungsi pengawasan terhadap lembaga jasa keuangan dalam Konglomerasi • Farid Rahman
2023 Keuangan melalui Satuan Kerja Audit Internal Terintegrasi, Satuan Kerja • Diding Sakri
Kepatuhan Terintegrasi dan Satuan Kerja Manajemen risiko Terintegrasi • Setiawan Wangsaatmaja
Periode Triwulan I Tahun 2023 • Humbul Kristiawan
2. Pembahasan Kinerja Perusahaan Anak dan Terelasi Periode Triwulan I Tahun
2023.
2.
1. Evaluation of the Implementation of Duties and Authorities by the Director
in charge of the Supervisory function of Financial Services Institutions in the
Financial Conglomerate through the Integrated Internal Audit Work Unit,
Integrated Compliance Work Unit, Integrated Risk Management Work Unit,
and Subsidiary Management Division for the First Quarter of 2023
2. Discussion on Subsidiaries and Related Companies Performance for the First
Quarter of 2023.
Rabu, 20 September 2023 Pembahasan Evaluasi Pelaksanaan Tata Kelola Terintegrasi Periode Triwulan II • Fahlino F. Sjuib
Wednesday, September Tahun 2023 melalui pelaksanaan tugas dan fungsi Satuan Kerja Audit Internal • Farid Rahman
20, 2023 Terintegrasi (SKAIT), Satuan Kerja Kepatuhan Terintegrasi (SKKT) dan Satuan • Diding Sakri
Kerja Manajemen Risiko Terintegrasi (SKMRT) • Rudie Kusmayadi
3
Discussion on Evaluation of the Implementation of Integrated Governance in the • Setiawan Wangsaatmaja
Second Quarter of 2023 through the Integrated Internal Audit Work Unit (SKAIT), • Tomsi Tohir
Integrated Risk Management Work Unit (SKMRT), and Integrated Compliance • Humbul Kristiawan
Work Unit (SKKT) and Integrated Risk Management Work Unit (SKMRT)
Selasa, 19 Desember 1. Pembahasan Kinerja Keuangan Perusahaan Anak dan Terelasi dalam • Fahlino F. Sjuib
2023 Konglomerasi Keuangan bank bjb Periode Triwulan III Tahun 2023 • Farid Rahman
Tuesday, December 19, 2. Pembahasan Evaluasi Pelaksanaan Tata Kelola Terintegrasi oleh Satuan • Diding Sakri
2023 Kerja Audit Internal Terintegrasi, Satuan Kerja Kepatuhan Terintegrasi dan • Rudie Kusmayadi
Manajemen Risiko Terintegrasi dan Manajemen Risiko Terintegrasi Periode • Setiawan Wangsaatmaja
4 Triwulan III Tahun 2023 • Tomsi Tohir
1. Discussion of Subsidiaries and Related Companies in bank bjb Financial • Humbul Kristiawan
Conglomeration for the Third Quarter of 2023
2. Discussion on Evaluation of the Implementation of Integrated Governance
through Integrated Internal Audit Work Unit, Integrated Compliance Work
Unit, Integrated Risk Management Work Unit in the Third Quarter of 2023
FREKUENSI DAN TINGKAT KEHADIRAN RAPAT FREQUENCY AND ATTENDANCE OF INTEGRATED
KOMITE TATA KELOLA TERINTEGRASI GOVERNANCE COMMITTEE MEETING
Selama tahun 2023, Komite Tata Kelola Terintegrasi telah During 2023, the Integrated Governance Committee has held
melaksanakan 4 (empat) kali rapat. Adapun frekuensi dan tingkat 4 (four) meetings. The frequency and level of attendance of
kehadiran rapat masing-masing anggota Komite Tata Kelola the meetings of each member of the Integrated Governance
Terintegrasi adalah sebagai berikut. Committee are as follows
Tabel Tingkat Kehadiran Rapat Komite Tata Kelola Terintegrasi
Table of Attendance of Integrated Governance Committee Meeting
Rapat Komite Tata Kelola Terintegrasi
Integrated Governance Committee meeting
Jumlah dan Persentase Kehadiran
Nama Jabatan
Number and Attendance Percentage
Name Position
Jumlah Rapat
Jumlah Kehadiran Persentase
Number of
Number of Attendance Percentage
Meetings
Ketua Merangkap Anggota
Fahlino F. Sjuib Chairman Concurrently 4 4 100%
Member
Anggota
Farid Rahman 4 4 100%
Member
Anggota
Diding Sakri 4 4 100%
Member
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Rapat Komite Tata Kelola Terintegrasi
Integrated Governance Committee meeting
Jumlah dan Persentase Kehadiran
Nama Jabatan
Number and Attendance Percentage
Name Position
Jumlah Rapat
Jumlah Kehadiran Persentase
Number of
Number of Attendance Percentage
Meetings
Anggota
Muhadi* 1 1 100%
Member
Anggota
Rudie Kusmayadi** 2 2 100%
Member
Anggota
Setiawan Wangsaatmaja 4 4 100%
Member
Anggota
Tomsi Tohir** 2 2 100%
Member
Anggota
Humbul Kristiawan 4 4 100%
Member
* Diberhentikan dengan hormat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 tanggal 25 Mei 2023
** Diangkat berdasarkan salah satu keputusan Rapat Umum Pemegang Saham (RUPS) Luar Biasa Tahun 2023 dan Efektif menjabat pada tanggal 9 Agustus 2023 berdasarkan hasil
keputusan Penilaian Kemampuan dan Kepatutan dari Otoritas Jasa Keuangan.
* Honorably dismissed based on one of the resolutions of the 2023 Extraordinary General Meeting of Shareholders (GMS) dated May 25, 2023
** Appointed based on one of the resolutions of the 2023 Extraordinary General Meeting of Shareholders (GMS) and effective on August 9, 2023 based on the results of the Fit and
Proper Test decision from the Financial Services Authority.
Program Peningkatan Kompetensi Komite Tata Integrated Governance Committee
Kelola Terintegrasi Competency Improvement Program
Jenis Pelatihan dan Materi
Pengembangan Waktu dan Tempat
Nama Jabatan Kompetensi /Pelatihan Pelaksanaan Penyelenggara
Name Position Jenis Pelatihan dan Materi Waktu dan Tempat Organizer
Pengembangan Pelaksanaan
Kompetensi /Pelatihan
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau Pelatihan
Ketua Merangkap Anggota
anggota Dewan Komisaris
Fahlino F. Sjuib Chairman Concurrently
Education and/or training can be seen in the Education and/or training section for members of
Member
the Board of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau Pelatihan
Anggota anggota Dewan Komisaris
Farid Rahman
Member Education and/or training can be seen in the Education and/or training section for members of
the Board of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau Pelatihan
Anggota anggota Dewan Komisaris
Diding Sakri
Member Education and/or training can be seen in the Education and/or training section for members of
the Board of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau Pelatihan
Anggota anggota Dewan Komisaris
Rudie Kusmayadi
Member Education and/or training can be seen in the Education and/or training section for members of
the Board of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau Pelatihan
Anggota anggota Dewan Komisaris
Setiawan Wangsaatmaja
Member Education and/or training can be seen in the Education and/or training section for members of
the Board of Commissioners
Pendidikan dan/atau Pelatihan dapat dilihat pada bagian Pendidikan dan/atau Pelatihan
Anggota anggota Dewan Komisaris
Tomsi Tohir
Member Education and/or training can be seen in the Education and/or training section for members of
the Board of Commissioners
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 821
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TATA KELOLA
PERUSAHAAN
Jenis Pelatihan dan Materi
Pengembangan Waktu dan Tempat
Nama Jabatan Kompetensi /Pelatihan Pelaksanaan Penyelenggara
Name Position Jenis Pelatihan dan Materi Waktu dan Tempat Organizer
Pengembangan Pelaksanaan
Kompetensi /Pelatihan
Denpasar, 21 - 23
November 2023 National Center For
GRI Certified Training Course
Denpasar, November Sustainability Reporting
21 - 23 2023
Anggota Seminar Outlook Perekonomian
Humbul Kristiawan
Member Indonesia Tahun 2024 Peluang dan Medan, 7 Desember
Tantangan Untuk BPD Seluruh Indonesia 2023
FKDK BPDSI
The 2024 Indonesian Economic Outlook Medan, December 7,
Seminar: Opportunities and Challenges 2023
for BPDs throughout Indonesia
Program Kerja dan Pelaksanaan Tugas Komite Work Program and Implementation of
Tata Kelola Terintegrasi Tahun 2023 The Duties of The Integrated Governance
Committee In 2023
Selama tahun 2023 Komite Tata Kelola Terintegrasi telah During 2023, the Integrated Governance Committee carried out
melaksanakan kegiatan sesuai dengan program kerja yang telah activities in accordance with the established work programs. These
ditetapkan. Tugas tersebut termasuk melakukan pemantauan duties included monitoring and evaluating the implementation of
dan melakukan evaluasi penerapan tata kelola terintegrasi integrated governance of the bank bjb financial conglomerate,
konglomerasi keuangan bank bjb, diantaranya sebagai berikut: including the following:
1. Melakukan pemantauan dan evaluasi terhadap pelaksanaan 1. Monitoring and evaluating the implementation of the duties
tugas dan fungsi Direktur yang membawahkan fungsi and functions of the Director in charge of the Supervision
Pengawasan terhadap Lembaga Jasa Keuangan dalam function of Financial Services Institutions in the Financial
Konglomerasi Keuangan. Conglomerate.
2. Melakukan pemantauan dan evaluasi terhadap pelaksanaan 2. Monitoring and evaluating the implementation of the
tugas dan fungsi dari Satuan Kerja Audit Internal Terintegrasi, duties and functions of the Integrated Internal Audit Unit,
Satuan Kerja Manajemen Risiko Terintegrasi dan Satuan the Integrated Risk Management Unit and the Integrated
Kepatuhan Terintegrasi. Compliance Unit.
3. Melakukan pemantauan terhadap Kinerja dan Profil Risiko 3. Monitoring the Performance and Risk Profile of subsidiaries
dari perusahaan anak dan perusahaan terelasi dalam and related companies in financial conglomerates.
konglomerasi keuangan.
4. Melakukan evaluasi atas Pembinaan Entitas Utama terhadap 4. Evaluating the Main Entity Guidance on Corporate
Tata Kelola Perusahaan anak dan perusahaan terelasi dalam Governance of subsidiaries and related companies in the bank
konglomerasi keuangan bank bjb. bjb financial conglomerate.
5. Melakukan pemantauan terhadap kinerja perusahaan anak 5. Monitoring the performance of subsidiaries and related
dan perusahaan terelasi dalam konglomerasi keuangan bank companies in the bank bjb financial conglomerate.
bjb.
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Organ dan Komite di Bawah Direksi Organs and Committees Under the
Directors
Dalam menjalankan tugasnya, Direksi dibantu oleh unit-unit In carrying out its duties, the Directors is assisted by units under
yang berada di bawah Direksi diantaranya Sekretaris Perusahaan, the Directors including the Corporate Secretary, Internal Audit
Satuan Kerja Audit Internal, Divisi Manajemen Risiko dan Komite- Work Unit, the Risk Management Division and Committees in
komite yang bertugas untuk memberikan saran dan rekomendasi charge of providing advice and recommendations related to the
yang berhubungan dengan kebijakan-kebijakan dan arahan- Directors’ policies and directives. The Directors was assisted by 6
arahan Direksi. Direksi dibantu oleh 6 (enam) komite, yaitu Komite (six) committees, namely the Risk Management Committee (KMR),
Manajemen Risiko (KMR), Komite Kebijakan Perkreditan (KKP), the Credit Policy Committee (KKP), the Information Technology
Komite Pengarah Teknologi Informasi, Komite Manajemen Risiko Steering Committee, the Integrated Risk Management Committee
Terintegrasi (KMRT), Assets and Liability Committee (ALCO) dan (KMRT), the Assets and Liability Committee (ALCO) and the
Komite Risiko Permodalan. Capital Risk Committee.
Sekretaris Perusahaan Corporate Secretary
Sekretaris Perusahaan (Corporate Secretary) memiliki peranan Corporate Secretary plays an important role in bridging
penting dalam menjembatani komunikasi baik kepada pihak communication to both internal and external parties of the
internal maupun eksternal Perseroan seperti komunikasi dengan company such as communication with employees, regulators,
karyawan, regulator, para pemegang saham, investor, dan shareholders, investors, and stakeholders. Other interests. He
pemangku kepentingan lainnya. Sekretaris Perusahaan juga also plays a role in ensuring that the company complies with
berperan dalam memastikan bahwa Perseroan telah patuh pada regulations in the capital market. Communication built by the
peraturan-undangan di bidang Pasar Modal. Komunikasi yang Corporate Secretary is held through various channels owned
dibangun Sekretaris Perusahaan diselenggarakan melalui berbagai by the company such as office and contact number, company
saluran yang dimiliki Perseroan seperti kantor dan nomor kontak, website, social media, feedback sheet, and others. This is to
situs perusahaan, media sosial, lembar feedback, dan lainnya. Hal ensure that the company has exercised an information disclosure
ini untuk memastikan bahwa Perseroan telah menjalankan fungsi function to the stakeholders.
keterbukaan informasi kepada para pemangku kepentingan.
Dasar Pengangkatan Sekretaris Perusahaan Policy of Appointment of Corporate Secretary
Perseroan telah memiliki Divisi Sekretaris Perusahaan, sebagaimana The Company has a Corporate Secretary Division, as required by
disyaratkan POJK Nomor 35/POJK.04/2014 tentang Sekretaris OJK Regulation Number 35/POJK.04/2014 concerning Corporate
Perusahaan Emiten atau Perusahaan Publik. Berdasarkan Surat Secretaries for Issuers or Public Companies. Based on the Decree
Keputusan Direksi bank bjb No 581/SK/DIR-HCA/2020 diputuskan of the Board of Directors of bank bjb No 581/SK/DIR-HCA/2020,
bahwa Widi Hartoto sebagai Pemimpin Divisi Corporate Secretary it was decided that Widi Hartoto was the Head of the Company’s
Perseroan. Corporate Secretary Division.
2023 Annual Report
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TATA KELOLA
PERUSAHAAN
Struktur Sekretaris Perusahaan Corporate Secretary Structure
Direktur Utama
President Director
Sekretaris Perusahaan
Corporate Secretary
Sekretaris Perusahaan
Corporate Secretary
Kesekretariatan Kesekretariatan Dewan Corporate Social Komunikasi
Hubungan Hubungan
Direksi Komisaris Responsibility Pemasaran
Investor Masyarakat
Board of Directors Secretariat of the Board of Corporate Social Marketing
Investor Relations Public Relations
Secretariat Commissioners Responsibility Communications
Keterangan/ Information:
Garis Koordinasi Direktur Wakil Pemimpin Divisi
Garis Koordinasi Director Vice Division Leader Berjumlah dari Satu
Garis Komando Pemimpin Divisi Pemimpin Grup Total of One
Command Line Division Leader Group Leader
Fungsi, Tugas dan Tanggung Jawab Sekretaris Functions, Duties and Responsibilities of
Perusahaan Corporate Secretary
Sekretaris Perusahaan bertugas dan bertanggung jawab untuk: The corporate secretary is in charge and responsible for:
1. Memformulasikan dan melaksanakan strategi humas (public 1. Formulate and implement public relations/ Investor Relations
relations/investor relations)/komunikasi promosi yang strategies/promotional communications aimed at enhancing
bertujuan meningkatkan citra dan reputasi Bank. the Bank’s image and reputation.
2. Merancang, mengembangkan dan melaksanakan strategi 2. To plan, develop and implement social/CSR strategies and
dan program kepedulian sosial/CSR dengan tepat sehingga programmes precisely so as to develop the potential that
dapat mengembangkan potensi yang ada dalam membangun exists in building a reputation in the eyes of external parties
reputasi di mata pihak eksternal dan membangun komitmen and build the commitment and motivation of its employees
serta motivasi para karyawannya secara internal. internally.
3. Menyusun dan mengkoordinasikan konsep komunikasi 3. Formulating and coordinating the concept of promotional
promosi produk dan jasa layanan ke pihak eksternal dengan communications products and services to external parties with
tujuan mendukung pertumbuhan bisnis. the aim of supporting business growth.
4. Menyusun, merumuskan dan mengembangkan kebijakan 4. To compile, formulate and develop policy of secretarial field.
bidang kesekretariatan.
5. Mengelola kegiatan kesekretariatan untuk Direksi dan Dewan 5. Manage secretarial activities for the Directors and Board of
Komisaris. Commissioners.
6. Mengelola undangan rapat dan keluar masuknya informasi 6. Manage the meeting invitations and exit the information from
dari dan kepada Direksi dan Dewan Komisaris. and to the directors and BOC.
7. Mengkoordinasikan kegiatan rapat Direksi dan menjalankan 7. Coordinate the meeting activities of the Directors and perform
fungsi sebagai notulis dalam rapat Direksi. functions as a clerk in the Directors meeting.
8. Mengelola penyusunan dan revisi atau pengembangan 8. Manage the preparation and revision or development of
pedoman tugas Direksi dan Dewan Komisaris. Directors duties and Board of Commissioners.
9. Mengelola kegiatan protokoler untuk Direksi dan Dewan 9. Managing the Protocol activities for the BOD and BOC.
Komisaris.
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10. Mengelola Laporan Khusus Direksi dan/atau Dewan Komisaris 10. Manage the special report of the Directors and/or Board of
kepada lembaga eksternal. Commissioners to external institutions.
11. Mengelola administrasi saham Bank. 11. Manage Bank Stock administration.
12. Mengikuti perkembangan Pasar Modal khususnya peraturan 12. Follow the development of capital market, especially the
perundang-undangan yang berlaku di bidang Pasar Modal. prevailing laws and regulations in the field of capital market.
13. Membantu Direksi dan Komisaris dalam pelaksanaan tata 13. Assisting directors and Commissioners in the implementation
kelola perusahaan yang meliputi: of corporate governance which includes:
a. Keterbukaan informasi kepada masyarakat, termasuk a. Disclosure of information to the public, including the
ketersediaan informasi pada situs Web Bank. availability of information on the Bank’s Web site;
b. Penyampaian laporan kepada Otoritas Jasa Keuangan b. Submission of reports to a Physical authority on time;
tepat waktu.
c. Penyelenggaraan dan dokumentasi Rapat Umum c. Maintenance and documentation of the general meeting
Pemegang Saham. of Shareholders;
d. Penyelenggaraan dan dokumentasi Rapat Direksi dan/ d. Maintenance and documentation of the Directors
atau Rapat Dewan Komisaris. meeting and/or Board of Commissioners meeting; and
e. Pelaksanaan program orientasi terhadap perusahaan bagi e. Implementation of orientation program of the company
Direksi dan/atau Dewan Komisaris. for Directors and/or Board of Commissioners.
14. Sebagai penghubung antara Bank dengan pemegang saham, 14. As a liaison between the Bank and its shareholders, the
Otoritas Jasa Keuangan, dan pemangku kepentingan lainnya. Financial Services Authority, and other stakeholders.
15. Melakukan koordinasi dengan Divisi Pengendalian Keuangan 15. Coordinate in the administration of dividend distribution and
dalam hal penatausahaan pembagian dividen dan pembuatan the creation of capital reports periodically and report on any
laporan modal secara periodik serta laporan atas setiap changes of capital to the Regulator.
perubahan modal kepada Regulator.
16. Mengawasi semua komunikasi eksternal agar semua pesan 16. Supervise all external communications so that all outgoing
keluar sudah dibuat dengan jelas dan konsisten dengan messages are clearly made and consistent with the company’s
strategi komunikasi Perusahaan. communication strategy.
17. Menyusun siaran pers yang efektif, mempersiapkan informasi 17. Preparing effective press releases, prepare information for
bagi jurnalis dalam bentuk media kits, dan memanfaatkan journalists in the form of media kits, and make maximum use
website perusahaan secara maksimal. of the company website.
18. Secara proaktif dan kreatif mengidentifikasikan peluang serta 18. Proactively and creatively identifying opportunities and story
bahan cerita yang dapat mengangkat citra dan reputasi di material that can raise the image and reputation in the eyes
mata publik. of the public.
19. Menerbitkan tulisan-tulisan editorial terpilih (siaran pers, 19. Publishing selected editorial articles (press releases, interviews
wawancara dan laporan) lewat media yang cocok, dan meng- and reports) through appropriate media, and update internal
update kanal-kanal komunikasi internal. communication channels.
20. Mempersiapkan draft pidato dan isi wawancara bagi para 20. Preparing draft speeches and interview content for Board
anggota Dewan dan pejabat eksekutif Bank, serta mengatur members and Bank executive officers, and arranging
wawancara dan kontak lain dengan pihak media. interviews and other contacts with the media.
21. Mengevaluasi program periklanan dan promosi Bank serta 21. Evaluating the Bank’s advertising and promotion programs
kesesuaiannya dengan program humas lainnya. and their suitability with other public relations programs.
22. Mengarahkan aktivitas dari agensi eksternal/konsultan yang 22. Directing the activities of external agencies/consultants
mengembangkan dan melaksanakan strategi komunikasi who develop and implement communication strategies and
serta program informasi. information programs.
23. Merancang dan mengembangkan program kepedulian sosial/ 23. Designing, developing, and implementing social awareness/
CSR dan melaksanakannya sebagai proyek-proyek yang CSR programs that have clear scope, milestones, time limits,
memiliki cakupan, pencapaian (milestone), batas waktu, batas budget limits and deliverables.
anggaran dan hasil-hasil (deliverables) yang jelas.
24. Menunjuk, mengarahkan, memantau dan mengkaji ulang 24. Appointing, directing, monitoring, and reviewing the
kinerja dari para Manager proyek. performance of project managers.
25. Mengevaluasi program-program CSR dalam hal citra serta 25. Evaluating CSR programs in terms of the image and reputation
reputasi yang terbangun. they build.
26. Mengevaluasi hasil survei kepuasan nasabah dan komunikasi 26. Evaluating the results of customer satisfaction surveys and
pemasaran. Jika diperlukan, dapat merekomendasikan marketing communications. If necessary, it can recommend
pengemasan ulang (repackaging) dari produk-produk yang repackaging of the existing products.
sudah ada.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 825
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TATA KELOLA
PERUSAHAAN
Profil Sekretaris Perusahaan Profile of Corporate Secretary
Widi Hartoto
Sekretaris Perusahaan /
Corpotate Secretary
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Jakarta, 17 Juni 1979, usia 44 tahun per Desember 2023. Born in Jakarta, June 17, 1979, 44 years old as of December
2023.
Riwayat Pendidikan Educational Background
• S1 Ekonomi, Universitas Prof. DR. Moestopo tahun 2003 • Bachelor of Economics, Prof. University. DR. Moestopo in 2003
• S2 Magister Management, Universitas Widyatama tahun 2012 • Masters in Management, Widyatama University in 2012
Riwayat Penunjukan Legal Basis for Appointment
Surat Keputusan Direksi bank bjb No 0581/SK/DIR-HCA/2020 efektif sejak Decree of the Directors of bank bjb No 0581/SK/DIR-HCA/2020 effective
3 Februari 2020. from February 3, 2020.
Pengalaman Kerja Work Experience
Memiliki pengalaman kerja di bank bjb sebagai: Has experience working at bank bjb as:
• Wakil Pemimpin Divisi Corporate Secretary ( Desember 2017 – Februari • Deputy Head of Corporate Secretary Division (December 2017 – February
2017) 2020)
• Pemimpin Grup Kesekretariatan Direksi ( September 2015 – Desember • Head of the Directors Secretariate Group (September 2015 – December
2017) 2017)
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 dari Badan Sertifikasi Manajemen Level 5 Risk Management Certification from the Risk Management
Risiko (BSMR) Certification Agency (BSMR)
Program Peningkatan Kompetensi Sekretaris Corporate Secretary Competency Improvement
Perusahaan Program
Materi Pengembangan Kompetensi/Pelatihan Waktu Pelaksanaan Penyelenggara
Competency Development/Training Materials Implementation Time Organizer
Peraturan OJK Nomor 17 Tahun 2023 Tentang Penerapan
Tata Kelola Bagi Bank Umum Strategi Jitu Implementasi
GCG Dalam Rangka Mencapai Peringkat GCG Juni 2023
LMI (Learning Media Indonesia)
OJK Regulation Number 17 of 2023 concerning Application June 2023
of Governance for Commercial Banks, Key Strategy in GCG
Implementation to Achieve GCG Rank
Refreshment Sertifikasi Manajemen Risiko Juli 2023
ARFAIDAMS SECRET
Refreshment Sertifikasi Manajemen Risiko July 2023
Leaders Talk : Leading Successful Business Agustus 2023
bjb University
Leaders Talk : Leading Successful Business August 2023
Executive Workshop Tahun 2023: Menjaga Momentum
Pertumbuhan Bisnis Dalam Mencapai Komitmen Tahun
2023 Melalui Fee Based Income Kredit Yang Berkualitas September 2023
TD Consultant
Executive Workshop Tahun 2023: Maintaining Business September 2023
Growth Momentum to Achieve the 2023 Achievement by
Fee Based Income of Qualified Loans
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826 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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Materi Pengembangan Kompetensi/Pelatihan Waktu Pelaksanaan Penyelenggara
Competency Development/Training Materials Implementation Time Organizer
Executive Workshop 2023 Be One: Bersatu Kompak
Kolaboratif Oktober 2023
Tagar Media Indonesia
Executive Workshop 2023 Be One: Collaboratively Solid October 2023
Unity
Pengenalan Digital November 2023
bjb University
Introduction to Digital November 2023
Executive Workshop Tahun 2023 Satukan Energi Untuk
Memperkuat Sinergi dan Keunggulan Kompetitif Desember 2023
bjb University
Executive Workshop Tahun 2023 One Energy to Strengthen December 2023
Synergy and Competitive Superiority
Pelaksanaan Tugas Sekretaris Perusahaan Implementation of Corporate Secretary Duties
Tahun 2023 In 2023
Selama tahun 2023, Sekretaris Perusahaan telah melaksanakan During 2023, the Corporate Secretary has carried out his duties
tugas dan tanggung jawabnya yakni: and responsibilities namely:
1. Mempersiapkan rapat Dewan Komisaris dan Direksi, mencatat 1. Preparing the meeting of the Board of Commissioners and the
hasil rapat dan mendistribusikannya kepada pihak pihak yang Directors, recording the results of the meeting and distributing
berkepentingan. it to interested parties.
2. Mengirimkan pemberitahuan dan mempersiapkan segala 2. Sending notifications and preparing everything related to
sesuatu terkait dengan penyelenggaraan Rapat Umum holding the General Meeting of Shareholders and publishing
Pemegang Saham dan mempublikasikan hasil keputusan the results of the meeting decisions.
rapat.
3. Menjaga hubungan baik dengan Otoritas Pasar Modal dan 3. Maintaining good relations with the Capital Market
mempersiapkan laporan – laporan mengenai pengungkapan Authority and preparing reports regarding the disclosure of
keterbukaan informasi Perseroan sesuai dengan ketentuan the Company’s information disclosure in accordance with
yang berlaku. applicable regulations.
4. Melakukan koordinasi dan administrasi pencatatan 4. Coordinating and administering the registration of share
kepemilikan Saham dan tindakan korporasi. ownership and corporate actions.
5. Mengkoordinasikan kegiatan public relations dan marketing 5. Conducting coordination of public relations and marketing
communications untuk Perseroan. communications activities for the Company.
6. Mengelola dan melakukan kegiatan promosi produk dan jasa 6. Managing and performing promotional activities for the
Perseroan, termasuk pembuatan Buku Laporan Tahunan. Company’s products and services, including Annual Report
Book drafting.
7. Mengkoordinasikan dan memantau tindak lanjut atas 7. Coordinating and monitoring follow-up on customer
pengaduan nasabah. complaints.
8. Melaksanakan pembinaan cabang dalam bidang kehumasan, 8. Carrying out branch development in the field of public
pengaduan nasabah, dan kesekretariatan. relations, customer complaints, and secretarial.
9. Melaksanakan program CSR (Corporate Social Responsibility) 9. Implementing the CSR (Corporate Social Responsibility)
sebagai wujud kepedulian dan kontribusi Perseroan terhadap program as a form of the Company’s concern and contribution
peningkatan kualitas hidup masyarakat sekitar. to improving the quality of life of the surrounding community.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 827
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TATA KELOLA
PERUSAHAAN
Satuan Kerja Audit Internal Internal Audit Work Unitl
Struktur Organisasi Satuan Kerja Audit Internal Internal Audit Work Unit Organizational
Structure
Struktur Organisasi SKAI telah sesuai dengan Surat Keputusan The SKAI Organizational Structure had been in accordance with
Direksi nomor SK No. 0196/SK/DIR-PST/2023 tanggal 19 Juni Decree of the Directors number No. 0196/SK/DIR-PST/2023 dated
2023 tentang Struktur Organisasi bank bjb sebagai berikut: June 19, 2023 concerning bank bjb Organizational Structure as
follows:
Direktur Utama
President Director
Audit Internal
Internal Audit
Audit Teknologi Audit Internal
Audit Umum Informasi SD & QA Audit Investigasi Integrasi
General Audit Information Technology SD & QA Investigation Audits Integration Internal
Audit Audit
Kedudukan Satuan Kerja Audit Internal Dalam Internal Audit Work Unit Position In
Struktur Organisasi Organizational Structure
Sesuai dengan isi Piagam Audit Internal yang terdapat dalam In accordance with the contents of the Internal Audit Charter
Kebijakan Audit Internal Nomor 0254/SK/DIR-SKA/2022 tanggal contained in the Internal Audit Policy Number 0254/SK/
15 Juni 2022, Kedudukan SKAI adalah: DIRSKA/2022 dated June 15, 2022, the position of SKAI is:
1. Pemimpin SKAI diangkat dan diberhentikan oleh 1. The leader of SKAI was appointed and dismissed by the
Direktur Utama atas persetujuan Dewan Komisaris President Director on the Board of Commissioner’s approval
dengan mempertimbangkan rekomendasi Komite Audit. by considering the Audit Committee recommendation. The
Pengangkatan dan pemberhentian tersebut dilaporkan appointment and termination are reported to the Regulator.
kepada Regulator.
2. Pemimpin SKAI berada dibawah Direktur Utama dan 2. The leader of SKAI is under the President Director and is
bertanggung jawab langsung kepada Direktur Utama serta directly responsible to the President Director and has a
memiliki hubungan koordinasi dengan Dewan Komisaris. coordination relationship with the Board of Commissioners.
3. Seluruh auditor internal dan petugas kontrol internal 3. All internal auditors and internal control officers are
bertanggung jawab kepada Pemimpin SKAI sesuai dengan responsible to the leaders of the SKAI in accordance with the
hierarki organisasi. organizational hierarchy.
4. Fungsi kontrol internal berperan sebagai mitra strategis dan 4. The function of internal control serves as strategic partner and
menyampaikan hasil kegiatannya kepada masing-masing convey the results of activities to each branch office leader
Pemimpin Kantor Cabang dan Pemimpin Kantor Wilayah. and regional office leader.
5. SKAI menjalankan fungsi audit internal terintegrasi dalam 5. SKAI performs integrated internal audit function in the Bank’s
konglomerasi keuangan Bank. financial conglomeration.
6. Dalam menjalankan fungsi audit internal terintegrasi, SKAI 6. In conducting integrated internal audit function, SKAI has
memiliki hubungan koordinasi dengan Direktur yang ditunjuk a coordination relationship with the Director appointed to
untuk melakukan fungsi pengawasan terhadap Lembaga Jasa perform the supervisory function of the Financial Services
Keuangan yang tergabung dalam konglomerasi keuangan. Board incorporated in the financial conglomerate.
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Profil Pemimpin Satuan Kerja Audit Internal Profile of the Head of the Internal Audit Work
Unit
Joko Hartono Kalisman
Pemimpin Satuan Kerja Audit Internal/
Head of Internal Audit Unit
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung, 25 Januari 1973 saat ini berusia 50 tahun. Born in Bandung, January 25 1973, currently 50 years old.
Riwayat Pendidikan Educational Background
• Sarjana Akuntansi, Universitas Padjadjaran tahun 2002 • Bachelor of Accounting, Padjadjaran University in 2002
• Magister Manajemen, Universitas Padjadjaran tahun 2006 • Master of Management, Padjadjaran University in 2006
• Doktor Manajemen, Universitas Padjadjaran tahun 2019 • Doctor of Management, Padjadjaran University in 2019
Dasar Hukum Pengangkatan Appointment History
Menjabat sebagai Pemimpin Satuan Kerja Audit Internal berdasarkan Surat Appointed as the Head of the Internal Audit Work Unit based on the Decree
Keputusan Direksi No. 1516/SK/DIR-HC/2018. of the Board of Directors No. 1516/SK/DIR-HC/2018.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 1997 dengan riwayat jabatan sebagai berikut: Joined bank bjb since 1997 with the following position history:
• Pemimpin Satuan Kerja Audit Internal sejak Desember 2018 hingga saat • Head of the Internal Audit Work Unit from December 2018 until now
ini
• Pemimpin Divisi KPR dan KPB sejak Oktober 2018 hingga Desember • Head of the KPR and KPB Division from October 2018 to December
2018
2018
• CEO Regional 5 from May 2017 to October 2018
• CEO Regional 5 sejak Mei 2017 hingga Oktober 2018
• Head of Bandung Main Branch Office from May 2016 to May 2017
• Pemimpin Kantor Cabang Utama Bandung sejak Mei 2016 hingga Mei
2017
Sertifikasi Certification
• ISO 37301:2021 – Sistem Manajemen Kepatuhan • ISO 37301:2021 – Sistem Manajemen Kepatuhan
• General Banking Level 3 • General Banking Level 3
• Qualified Internal Auditor • Qualified Internal Auditor
• Chartered Accountant • Chartered Accountant
• Certified Anti Fraud Manager • Certified Anti Fraud Manager
• ISO 37001 Anti-Bribery Certification • ISO 37001 Anti-Bribery Certification
• Prince2 Foundation • Prince2 Foundation
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
• IIAP • IIAP
• Certified Anti Fraud Manager (CAFM) • Certified Anti Fraud Manager (CAFM)
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 829
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TATA KELOLA
PERUSAHAAN
Pihak yang Mengangkat dan Memberhentikan Parties Who Appointed and Dismissed the
Kepala Satuan Kerja Audit Internal Head of the Internal Audit Work Unit
Pemimpin SKAI diangkat dan diberhentikan oleh Direktur Utama The Head of SKAI is appointed and dismissed by the President
atas persetujuan Dewan Komisaris dengan mempertimbangkan Director with the approval of the Board of Commissioners taking
rekomendasi Komite Audit. Pengangkatan dan pemberhentian into account the recommendations of the Audit Committee. Such
tersebut dilaporkan kepada Regulator. appointments and dismissals are reported to the Regulator.
Internal Audit Charter Internal Audit Charter
Dengan adanya perubahan regulasi mengenai audit internal yaitu With the change of regulation on internal audit of OJK Regulation
POJK Nomor 1/POJK.03/2019 tanggal 28 Januari 2019 tentang No. 1/POJK.03/2019 dated January 28, 2019 concerning the
Penerapan Fungsi Audit Intern pada Bank Umum maka SKAI implementation of internal Audit function in commercial banks
melakukan penyesuaian terhadap Kebijakan dan Piagam Audit then SKAI make adjustments to the policy and charter of Internal
Internal yaitu: Audit:
1. Kebijakan Audit Internal yang telah disahkan oleh Direksi 1. Internal Audit Policy which has been approved by the Board of
dengan nomor 0254/SK/DIR-SKA/2022 tanggal 15 Juni 2022. Directors with number 0254/SK/DIR-SKA/2022 dated June 15,
2022.
2. Piagam Audit Internal yang telah disahkan oleh Dewan 2. Internal Audit Charter which has been ratified by the Board of
Komisaris dan Direksi. Commissioners and Directors.
Kebijakan dan Piagam Audit Internal ini merupakan acuan dalam This policy and Internal Audit Charter is a reference in the
pelaksanaan kegiatan audit dan menyikapi perkembangan implementation of audit activities and addressing the development
regulasi serta perubahan yang dinamis. Piagam Audit Internal of regulations and dynamic changes. The Internal Audit charter
berisi antara lain: includes:
Bab I Visi, Misi, dan Fungsi Chapter I Vision, Mission, and Functions
Bab II Struktur, Kedudukan dan Ruang Lingkup Chapter II Structure, Position and Scope
Bab III Tugas, Tanggung Jawab dan Wewenang Chapter III Duties, Responsibilities and Authorities
Bab IV Auditor Internal Chapter IV Internal Auditor
Bab V Objek Audit Chapter V Object Audit
Bab VI Pelaporan dan Pemantauan Chapter VI Reporting and Monitoring
Bab VII Quality Assurance Chapter VII Quality Assurance
Bab VIII Lain-lain Chapter VIII Others
Tugas dan Tanggung Jawab Satuan Kerja Audit Duties and Responsibilities of Internal Audit
Internal Work Unit
Tujuan dari Satuan Kerja Audit Internal adalah untuk mengarahkan The objective of the Internal Audit Work Unit is to direct and
dan mengkoordinasikan pengembangan strategi audit internal dan coordinate the development of internal audit strategies and the
penetapan standard, kebijakan dan panduan audit yang efektif establishment of effective audit standards, policies, and guidelines
berdasarkan metodologi risk based audit terhadap aspek dan based on risk-based audit methodology on aspects and elements
unsur yang melekat pada organisasi Perseroan dengan melakukan inherent in the Company’s organization by assessing the adequacy
penilaian terhadap kecukupan struktur pengendalian internal, of the internal control structure, the effectiveness of the internal
efektivitas struktur pengendalian internal, dan penilaian kualitas control structure, and the quality of work, as well as evaluating
kerja serta mengevaluasi risiko, mengidentifikasi penyimpangan, risks, identifying deviations, so as to provide recommendations
sehingga dapat memberikan rekomendasi yang memberi nilai that add value in resolving or anticipating problems related to
tambah dalam menyelesaikan atau mengantisipasi masalah yang banking operations, which include the implementation of general
terkait dengan operasional perbankan yang meliputi pelaksanaan audits, IT audits, integrated audits in the financial conglomerate,
audit umum, audit TI, audit terintegrasi dalam konglomerasi and investigative audit.
keuangan dan audit investigasi.
Satuan Kerja Audit Internal (SKAI) memiliki tugas dan tanggung The Internal Audit Unit (SKAI) has the duties and responsibilities:
jawab yaitu:
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1. Menyusun dan melaksanakan rencana kerja audit internal 1. To compile and implement the annual internal audit work
tahunan. plan.
2. Melakukan evaluasi atas efektivitas semua tingkatan organisasi 2. Evaluate the effectiveness of all levels of prganization in the
dalam pengelolaan sumber daya Bank serta ketaatan kepada management of the Bank’s resources as well as adherence to
kebijakan dan prosedur yang telah ditetapkan. the policies and procedures that have been established.
3. Memberi rekomendasi penyempurnaan pengendalian internal 3. To recommend improvement of internal controls to protect
untuk melindungi sumber daya, mendorong pertumbuhan, resources, promote growth, and the implementation of
serta penerapan tata kelola perusahaan yang baik dan prinsip corporate governance and prudence principles.
kehati-hatian.
4. Menyusun dan memelihara kebijakan dan prosedur kerja 4. To develop and maintain internal audit work policies and
audit internal sesuai standar audit terkini. procedures as per the latest audit standards.
5. Menetapkan rencana kerja pengembangan kompetensi 5. To determine the work plan of competency development
auditor intern, serta menyusun program evaluasi mutu of internal auditor, as well as to develop quality evaluation
kegiatan audit internal. program.
6. Membuat dan menyampaikan laporan hasil audit, memonitor 6. Create and deliver audit results reports, monitor follow-up
pelaksanaan tindak lanjut, serta mengevaluasi kecukupan implementation, and evaluate the adequacy of follow-up
penyelesaian tindak lanjut. solutions.
7. Memberikan konsultasi, baik berdasarkan kebutuhan pihak 7. Provide consultation, either based on the needs of the auditee
auditee ataupun secara proaktif dari SKAI. Aktivitas konsultasi or proactively from the SKAI. The consultation activity does
tidak berarti bahwa subjek pembahasan akan dikecualikan not mean that the subject matter will be excluded from audit.
dari pemeriksaan. 8. Conducting a special examination or investigation and
8. Melakukan pemeriksaan khusus atau investigasi dan providing the recommendation of sanctions according to the
memberikan rekomendasi sanksi sesuai hasil pemeriksaan. examination results.
9. Bekerja sama dengan Komite Audit dalam hal evaluasi dan 9. Cooperate with the Audit Committee in terms of Evaluation
penyempurnaan tata kelola perusahaan, manajemen risiko and improvement of corporate governance, risk management
dan pengendalian internal. and internal control.
10. Mengungkapkan segala bentuk potensi benturan kepentingan 10. Disclosing any potential conflict of interest to the activities or
atas kegiatan atau objek yang akan diperiksa, termasuk masa objects to be examined, including the waiting period for the
tunggu atas posisi tersebut melaksanakan penugasan audit. position to carry out the audit assignment.
11. Melaksanakan evaluasi terhadap efektivitas dan keberlanjutan 11. Evaluating the effectiveness and sustainability of the
implementasi Standar Sertifikasi Manajemen di Perseroan. implementation of Management Certification Standards in
the Company.
Kewenangan Satuan Kerja Audit Internal Internal Audit Work Unit Authority
Satuan Kerja Audit Internal memiliki wewenang antara lain: The Internal Audit unit has the authority to:
1. Melakukan audit terhadap semua proses bisnis, kegiatan, dan 1. Audit all business processes, activities, and work units in
unit kerja sesuai dengan ruang lingkup kerja SKAI. accordance with the scope of work SKAI.
2. Melakukan komunikasi secara langsung dengan Direksi, 2. Communicate directly with the Directors, Board of
Dewan Komisaris dan/atau Komite Audit. Commissioners and/or Audit committee.
3. Mengadakan rapat secara berkala dan insidentil dengan 3. Convening periodic meetings and incidental to the Directors,
Direksi, Dewan Komisaris dan/atau Komite Audit. Board of Commissioners and/or Audit committee.
4. Berkoordinasi dengan pihak internal antara lain Satuan Kerja 4. Coordinate with internal parties such as risk management and
Manajemen Risiko dan Satuan Kerja Kepatuhan maupun Compliance Unit and other legal experts, among others, jurists
eksternal antara lain ahli hukum atau auditor eksternal untuk or external auditors to avoid duplication of audit activitie s
menghindari duplikasi kegiatan audit dan dalam rangka and in the framework of evaluation Effective internal control.
terlaksananya evaluasi pengendalian internal secara efektif. Coordination procedure follows the code of Ethics of internal
Prosedur koordinasi mengikuti kode etik auditor internal auditors on confidentiality.
tentang kerahasiaan.
5. Apabila dalam pelaksanaan audit membutuhkan kompetensi 5. If in the implementation of the audit requires special
khusus yang belum dimiliki, maka dapat dipertimbangkan competence that is not yet owned, it can be considered
menggunakan tenaga ahli dari luar dengan tetap mematuhi using outside experts while adhering to the implementation
standar pelaksanaan fungsi audit yang berlaku. standards of the audit function.
6. Investigasi terhadap indikasi tindak kecurangan (fraud) atau 6. Investigation of the indication of fraud or inefficiencies that
inefisiensi yang dapat menimbulkan dampak finansial dan/ may result in financial and/or non-financial impacts to the
atau non-finansial bagi Bank. Bank.
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7. Melakukan penilaian terhadap kecukupan hasil tindak lanjut 7. Assessment of the adequacy of follow-up results for the audit
atas temuan audit yang dilaksanakan oleh auditee. findings carried out by the auditee.
8. Dalam penugasan audit, SKAI berhak melakukan akses 8. In the audit assignment, the SKAI reserves the right to
penuh, tanpa pembatasan terhadap seluruh fungsi, catatan, perform full access, without limitation all functions, records,
kekayaan dan pegawai Bank yang berkaitan dengan wealth and employees of the Bank relating to the conduct of
pelaksanaan pemeriksaan dengan cara: inspections by:
a. Memasuki, melihat, meninjau, mengamati semua gedung a. Entering, viewing, reviewing, observing all office
kantor, bangunan, tempat penyimpanan, serta objek buildings, buildings, storage areas, and audit objects that
audit yang memiliki keterkaitan/kepentingan Bank. have the relation/ interests of the Bank.
b. Meminta, melihat dan mempergunakan semua data/ b. Request, view and use of all data/ information, registers,
informasi, register, buku, surat, notulen, hasil survei, books, letters, notulent, survey results, reports and
laporan dan dokumen lain yang diperlukan sehubungan other documents required in connection with the audit
dengan tugas audit. assignment.
c. Melakukan pengamatan dan pengujian fisik uang kas, c. Observe and physical testing of cash, marketable
surat berharga, dokumen, persediaan dan lain sebagainya. securities, documents, supplies, etc.
d. Melakukan akses terhadap semua catatan dan keterangan d. Access to all records and information about the
mengenai karyawan, sumber daya, dana, kredit serta aset employees, resources, funds, credits and other assets of
Bank lainnya yang berkaitan dengan audit. the Bank relating to the audit.
e. Melakukan akses (fisik dan logik) terhadap sistem e. Access (physical and logical) to the system of information
teknologi informasi Bank berupa data, jaringan (network), technology in the form of data, network (network),
komunikasi, software dan hardware. communication, software and hardware.
f. Meminta keterangan kepada semua pejabat dan setiap f. Request for information to all officers and persons,
orang, perorangan atau dalam kedudukannya sebagai individuals or in their position as employees of an
pegawai suatu organisasi yang memiliki keterkaitan organization that has interconnectedness with operational
dengan kegiatan operasional. activities.
9. Berkoordinasi dengan organisasi dalam Bank terkait dengan 9. Coordinate with organizations within the Bank regarding
implementasi Standar Sertifikasi Manajemen. the implementation of Management Certification
Standards.
Komposisi Personil Satuan Kerja Audit Internal Internal Audit Personnel Composition
Jumlah pegawai SKAI saat ini adalah 55 (lima puluh lima) orang, The number of SKAI employees currently is 55 (fifty five) people,
dengan rincian sebagai berikut: with the following details:
Jabatan
SDQA AU1 AU2 AU3 AU4 AU5 AI ATI AIT Total
Position
Grup Head
1 1 1 1 1 1 1 1 1 9
Group Head
Manager
3 1 1 1 1 1 1 2 1 12
Manager
Officer
1 1 1 1 1 1 1 1 1 9
Officer
Staff
4 2 2 2 2 2 4 4 2 24
Staff
Jumlah
7 5 5 5 5 5 7 8 5 55
Total
Program Peningkatan Kompetensi Satuan Kerja Internal Audit Work Unit Competence
Audit Internal Improvement Program
Kualitas auditor merupakan salah satu faktor penting dalam Auditor quality is an important factor in implementing internal
pelaksanaan audit internal. Atas hal tersebut, SKAI melakukan audits. Due to this, SKAI develops abilities, competencies,
pengembangan kemampuan, kompetensi, pengetahuan knowledge and professionalism by involving auditors in training,
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dan profesionalisme dengan mengikutsertakan auditor pada workshops, national and international scale auditor certification
pelatihan, workshop, sertifikasi auditor berskala nasional maupun according to needs that are tailored to audit activities and
internasional sesuai dengan kebutuhan yang disesuaikan dengan submissions are coordinated with bjb University. The details of
kegiatan pemeriksaan serta pengajuannya dikoordinasikan the implementation of the education and training program are
dengan bjb University. Adapun rincian pelaksanaan program as follows:
pendidikan dan pelatihan yaitu sebagai berikut:
Pendidikan & Pelatihan SKAI Tahun 2023
SKAI Education and Training In 2023
Periode Public/ Internal Training Sertifikasi
Period Public/ Internal Training Certification
Triwulan 1 • Pembelajaran Corporate Finance • Certified Practitioner Internal Auditor
Quarter 1 • Pembelajaran Public Training “Standar Audit Internal & Kode Etik Profesi (CPIA)
• Pembelajaran Public Training Workshop “Digital Audit” • Refreshment & Resertifikasi CAFM
• Pembelajaran Public Training Workshop BPD Sharing Corner • Refreshment Sertifikasi Manajemen
• Pembelajaran Financial Administration Risiko
• Pebelajaran Branch Operation Management • Certified Practitioner Internal Auditor
• Pembelajaran Public Training Workshop Nasional Teknik Pencegahan Pendeteksian & (CPIA)
Investigasi Fraud Dalam Industri Perbankan di Era Digital • Refreshment & Resertifikasi CAFM
• Pembelajaran Treasury Development Program Batch 2 Tahun 2023 • Risk Management Certification
• Pembelajaran Banking Operation Management Tahun 2023 Refreshment
• Pembelajaran Report Writing
• Pembelajaran Branch Operation Management
• Pembelajaran Data Administration
• Pembelajaran Public Training Social Governance (ESG) pada Perusahaan Keuangan dan
Perbankan
• Pembelajaran Workshop Nasional
• Corporate Finance Learning
• Public Training on “Internal Audit Standards & Profession Code of Ethic
• Public Training Workshop “Digital Audit” Learning
• Public Training Workshop BPD Sharing Corner Learning
• Financial Administration Learning
• Branch Operation Management Learning
• Learning of Public Training National Workshop on Techniques for Preventing Fraud
Detection & Investigation in the Banking Industry in the Digital Era
• Learning from Treasury Development Program Batch 2 in 2023
• Banking Operation Management Learning in 2023
• Report Writing Learning
• Branch Operation Management Learning
• Data Administration Learning
• Public Training on Social Governance (ESG) in Financial and Banking Companies
• National Workshop Learning
Triwulan 2 • Retirement Preparation Session • Certified Practitioner Internal Auditor
Quarter 2 • Webinar Anti Money Laundering in Digital Era (CPIA)
• Assets Management Skills dan Kompetensi Lain yang Serumpun • Certified Risk Professional
• Webinar BPD Sharing Corner Ladies Bankers • Certified Practitioner Internal Auditor
• Refreshment Sertifikasi Manajemen Risiko (CPIA)
• Assesment Skill Recruitment & Hiring Skill Manpower Regulation and Knowledge • Certified Risk Professional
Performance Management Skill & Knowledge and Staffing
• Training Awareness Sistem Manajemen Kepatuhan (SMK) ISO 37301: 2021
• Webinar Peluang Metaverse di Industri Jasa Keuangan
• Business Continuity Management (BCM) System
• Webinar Fundamental of Wealth Management
• Data Administration
• Webinar Financial Industry Transformation Strengthening Reputation & Trust
• Webinar Memperkuat Ketahanan Nasional di Industri Jasa Keuangan
• Webinar Membangun Transaksi Keuangan Digital yang Aman dan Berintegritas Tinggi
– Membangun Keyakinan Nasabah Aset Digital dari Risiko Siber
• Retirement Preperation Session
• Webinar Anti Money Laundering in Digital Era
• Assets Management Skills and Other Parallel Competencies
• Webinar BPD Sharing Corner Ladies Bankers
• Risk Management Certification Refreshment
• Assesment Skill Recruitment & Hiring Skill Manpower Regulation and Knowledge
Performance Management Skill & Knowledge and Staffing
• ISO 37301: 2021 Compliance Management System (SMK) Awareness Training
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Pendidikan & Pelatihan SKAI Tahun 2023
SKAI Education and Training In 2023
Periode Public/ Internal Training Sertifikasi
Period Public/ Internal Training Certification
• Webinar Peluang Metaverse in the Financial Services Industry
• Business Continuity Management (BCM) System
• Webinar Fundamental of Wealth Management
• Data Administration
• Webinar Financial Industry Transformation Strengthening Reputation & Trust
• Webinar Strengthening National Resilience in the Financial Services Industry
• Webinar on Establishing Secure and High-Integrity Digital Financial Transaction –
Building Customer Trust on Digital Assets and Cyber Risk
Triwulan 3 • Pelatihan menghadapi Sertifikasi CAFM & Ujian Sertifikasi CAFM • Qualified Internal Auditor (QIA)
Quarter 3 • Refreshment BSMR • Certified Anti Fraud Manager (CAFM)
• Training dealing with CAFM Certification & CAFM Certification Test • Qualified Internal Auditor (QIA)
• Refreshment BSMR • Certified Anti Fraud Manager
(CAFM)
Triwulan 4 • Seminar Nasional Internal Audit 2023 (SNIA 2023) • Certified Ethical Hacker (CEH)
Quarter 4 • Penyusunan Laporan Efektif Untuk Auditor • Certified Ethical Hacker (CEH)
• Workshop Pengenalan Tata Kelola Perusahaan Efek
• Workshop Peningkatan Kapabilitas SPI Korporasi FKSPI Wilayah Jabar Banten 2023
• Penerapan Program APU PPT
• Workshop SKAI 2023: Refreshment Knowledge Auditor Demi Menjaga Suistanability
dan Disrupsi Digital Bisnis Bank.
• The 2023 Internal Audit National Seminar (SNIA 2023)
• Effective Report Drafting for Auditor
• Workshop on Introduction to Securities Company Governance
• Workshop on Improving Corporate SPI Capability, FKSPI West Java Banten Region
2023
• Implementation of the APU PPT Program
• SKAI Workshop 2023: Refreshment of Auditor Knowledge to Maintain Sustainability
and Digital Disruption of Bank Business.
Sertifikasi Profesi Personil Satuan Kerja Audit Professional Certification of Internal Audit
Internal Work Unit Personnel
Sertifikasi Deskripsi Jumlah Pegawai Tersertifikasi
No.
Certification Description Number of Certified Employees
Badan Sertifikasi Manajemen Risiko
1 BSMR 1 11
Risk Management Certification Agency
Badan Sertifikasi Manajemen Risiko
2 BSMR 2 12
Risk Management Certification Agency
Badan Sertifikasi Manajemen Risiko
3 BSMR 3 9
Risk Management Certification Agency
Badan Sertifikasi Manajemen Risiko
4 BSMR 4 -
Risk Management Certification Agency
Badan Sertifikasi Manajemen Risiko
5 BSMR 5 1
Risk Management Certification Agency
Chartered Accountant
6 CA 1
Chartered Accountant
Certified Anti Fraud Manager
7 CAFM 3
Certified Anti Fraud Manager
Certified Bank Internal Auditor
8 CBIA 4
Certified Bank Internal Auditor
Cisco Certified Network Associate
9 CCNA 1
Cisco Certified Network Associate
Certified Data Centre Professional
10 CDCP 1
Certified Data Centre Professional
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Sertifikasi Deskripsi Jumlah Pegawai Tersertifikasi
No.
Certification Description Number of Certified Employees
Certified Ethical Hacker
11 CEH 3
Certified Ethical Hacker
Certified Forensic Auditor
12 CFRA 1
Certified Forensic Auditor
Computer Hacking Forensic Investigator
13 CHFI 3
Computer Hacking Forensic Investigator
Certified Internal Auditor
14 CIA 1
Certified Internal Auditor
Certified Information System Auditor
15 CISA 1
Certified Information System Auditor
Certified Information Systems Security Professional
16 CISSP 1
Certified Information Systems Security Professional
IT Procurement
17 CITPE 6
IT Procurement
Control Objectives for Information Technologies
18 COBIT5 7
Control Objectives for Information Technologies
Certified Practitioner of Internal Audit
19 CPIA 12
Certified Practitioner of Internal Audit
Certification in Risk Management Assurance
20 CRMA 1
Certification in Risk Management Assurance
Certified Risk Professional
21 CRP 1
Certified Risk Professional
EC-Council Disaster Recovery Professional v3
22 EDRP 6
EC-Council Disaster Recovery Professional v3
Enterprise Risk Management Certified Professional
23 ERMCP 1
Enterprise Risk Management Certified Professional
Indonesia Internal Audit Practitioner
24 IIAP 3
Indonesia Internal Audit Practitioner
Integritas KPK
25 Integritas KPK 1
KPK integrity
IT Management
26 ISO 20000 1
IT Management
Sistem Manajemen Keamanan Informasi
27 ISO 27001 1
Information Security Management System
Anti Bribery Management System
28 ISO 37001 6
Anti Bribery Management System
Compliance Management System
29 ISO 37301 5
Compliance Management System
Information Technology Infrastructure Library
30 ITIL v3 7
Information Technology Infrastructure Library
Kepatuhan
31 Kepatuhan 1
Compliance
National Certified Trainer
32 NCT 1
National Certified Trainer
Projects IN Controlled Environments
33 PRINCE2 8
Projects IN Controlled Environments
Qualified Internal Auditor
34 QIA 8
Qualified Internal Auditor
Wakil Perantara Pedagang Efek
35 WPPE 2
Securities Brokerage Representative
Jumlah
131
Total
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Kode Etik Auditor Auditor’s Code of Conduct
Jajaran SKAI harus menjunjung kode etik sebagai berikut: The SKAI lineup must uphold the code of ethics as follows:
1. Integritas 1. Integrity
a. Melaksanakan setiap tugasnya dengan jujur, hati-hati, a. Perform each task honestly, carefully, diligently and
tekun dan tanggung jawab. responsibly.
b. Mematuhi hukum dan melakukan pengungkapan sesuai b. Comply with the law and conduct disclosures in
ketentuan perundangan, hukum dan profesinya. accordance with the laws, law and profession.
c. Tidak menjadi bagian dari aktivitas illegal apapun atau c. Not be part of any illegal activity or engage in activities
terlibat dalam aktivitas yang dapat mendiskreditkan dan that can discredit and harm the Bank’s credibility and
merugikan kredibilitas Bank dan profesinya. profession.
d. Menghormati dan mendukung tujuan Bank yang sah dan d. Respecting and supporting the legitimate and ethical
etis. objectives of the Bank.
2. Objektivitas 2. Objectivity
a. Tidak terlibat dalam aktivitas yang dapat menimbulkan a. Do not engage in activities that may pose a conflict of
konflik kepentingan terhadap tugas auditnya. interest to its audit duties.
b. Tidak menerima suap dan/ atau keuntungan apapun, baik b. Not accepting any gift, whether financial or non-financial,
finansial maupun non finansial, yang dapat berdampak that affects or may affect judgment in its audit duties.
atau mempengaruhi penilaian profesionalnya dalam
tugas auditnya.
c. Menyusun laporan hasil audit berdasarkan fakta yang c. Compile the audit report based on actual facts.
sebenarnya.
3. Kerahasiaan 3. Confidentiality
a. Selalu berhati-hati dalam menggunakan dan melindungi a. Always be cautious about using and protecting the
informasi yang didapatkan dari tugas auditnya. information it gets from its audit tasks.
b. Tidak menggunakan informasi untuk kepentingan b. Not use the information for personal interests or anything
pribadi atau hal yang bertentangan dengan ketentuan contrary to the Bank’s legal and business ethics provisions.
perundangan dan etika bisnis Bank.
4. Kompetensi 4. Competency
a. Melakukan penugasan audit hanya bila telah memiliki a. Perform audit assignments only when already having
pengetahuan keahlian dan pengalaman yang diperlukan knowledge of skills and experience required in the audit
dalam tugas auditnya. task.
b. Melaksanakan penugasan audit sesuai dengan kebijakan b. Implement audit assignments in accordance with internal
dan pedoman audit internal, serta standar audit yang audit policies and guidelines, as well as applicable audit
berlaku. standards.
c. Secara terus menerus meningkatkan kompetensi c. Continuously increase its personal competence to improve
pribadinya untuk meningkatkan efektivitas dan kualitas the effectiveness and quality of its audit results.
hasil auditnya.
Laporan Singkat Pelaksanaan Kegiatan Satuan Brief Report on The Implementation of Internal
Kerja Audit Internal Tahun 2023 Audit Work Unit Activities In 2023
RENCANA KERJA SATUAN KERJA AUDIT INTERNAL INTERNAL AUDIT WORK UNIT WORK PLAN FOR 2023
TAHUN 2023
1. Rencana Pemeriksaan 1. Audit Plan
Satuan Kerja Audit Internal menyusun perencanaan sebagai The Internal Audit Work Unit prepares a plan as a basis for
dasar dalam melaksanakan seluruh aktivitas pada tahun carrying out all activities in the current year. The audit plan for
berjalan. Rencana pemeriksaan terhadap Kantor Cabang, Branch Offices, the Head Office, Information Technology and
Kantor Pusat, Aktivitas Teknologi Informasi dan Konglomerasi Financial Conglomerate Activities, and Business Processes in
Keuangan serta Proses Bisnis pada tahun 2022 berdasarkan 2022, based on the results of macro risk calculations, auditor
hasil perhitungan risiko makro, judgement auditor, arahan judgment, direction from the Board of Commissioners and
dari Dewan Komisaris dan Direksi serta Pemeriksa Eksternal Directors, as well as External Examiners, was as follows:
yaitu sebagai berikut:
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a. General audit terhadap 5 (lima) unit kerja pada Kantor a. The general audit was conducted in 5 (five) work units
Pusat, 5 (lima) unit kerja pada Kantor Wilayah dan 25 at the Head Office and 25 (twenty-five) work units in the
(dua puluh lima) unit kerja pada Jaringan Kantor Cabang. Branch Office Network.
b. Pemeriksaan Teknologi Informasi dilakukan pada 5 (lima) b. The Information Technology Audit was conducted on 5
sistem dari regulator dan 1 (satu) compliance audit dari (five) systems from the regulators and 1 (one) compliance
badan sertifikasi internasional. audit from an international certification body.
c. Pemeriksaan Audit Internal Terintegrasi dilakukan pada c. The Integrated Internal Audit Inspection was conducted
aktivitas monitoring awal dan tengah tahun terhadap at the beginning and mid-year monitoring activities of the
pelaksanaan audit internal di seluruh perusahan anak implementation of internal audit in all subsidiaries and
dan terelasi serta full scope audit terhadap 4 (empat) LJK related companies, as well as a full scope audit of 4 (four)
dalam konglomerasi keuangan. LJK in the financial conglomerate.
d. Melakukan pemeriksaan terhadap indikasi fraud yang d. Conducting examinations of fraud indications that may
dapat merugikan bank bjb dan stakeholder. harm bank bjb and stakeholders.
2. Program Kerja Lainnya 2. Other Work Programs
a. Pada tahun 2023, SKAI memaksimalkan fungsionalitas a. In 2023, SKAI maximized the functionality of data analysis
software data analysis dalam pelaksanaan analisa software in the implementation of data analysis in the form
data berupa Irregularities Report. Selain itu, SKAI of an Irregularities Report. In addition, SKAI conducts periodic
melakukan pengembangan dan maintenance berkala development and maintenance as well as the development
dan pengembangan Sistem Informasi Audit Internal pada of the Internal Audit Information System in the following
aplikasi berikut: applications:
- Sistem Informasi Manajemen Audit (SIMA) - Audit Management Information System (SIMA)
- Whistleblowing System (WBS) - Whistle Blowing System (WBS)
b. Pendampingan Pemeriksaan Eksternal b. External Audit Assistance
SKAI memiliki tugas untuk melakukan pendampingan SKAI has the task of assisting the audit carried out by External
pemeriksaan yang dilakukan oleh Auditor Eksternal. Auditors. The assistance is within the scope of providing audit
Pendampingan tersebut dalam ruang lingkup penyediaan data needed by external auditors..
data pemeriksaan yang dibutuhkan oleh auditor eksternal.
c. Pengembangan Kuantitas dan Kualitas Auditor c. Auditor Quantity and Quality Development
- Pengembangan Kuantitas - Quantity Development
Satuan Kerja Audit Internal melakukan penambahan The Internal Audit Work Unit added employees in
pegawai sesuai dengan capacity planning tahun accordance with the 2023 capacity planning. In addition,
2023. Selain itu, SKAI melakukan rotasi internal antar SKAI conducts internal rotations between groups so that
grup agar seluruh auditor mendapatkan wawasan, all auditors get different/new insights, knowledge, and
pengetahuan dan pemahaman yang berbeda/ baru. understanding.
- Pengembangan Kualitas - Quality Development
Kualitas auditor merupakan salah satu faktor penting Auditor quality is one of the essential factors in internal
dalam pelaksanaan audit internal. Atas hal tersebut, audit implementation. For this reason, SKAI developed
SKAI melakukan pengembangan kemampuan, the auditors’ capabilities, competencies, knowledge,
kompetensi, pengetahuan dan profesionalisme and professionalism by registering them in training,
dengan mengikutsertakan auditor pada pelatihan, workshops, and national and international auditor
workshop, sertifikasi auditor berskala nasional certifications according to the needs adjusted to audit
maupun internasional sesuai dengan kebutuhan activities, and the submissions were coordinated with bjb
yang disesuaikan dengan kegiatan pemeriksaan university.
serta pengajuannya dikoordinasikan dengan bjb
University.
METODE AUDIT AUDIT METHOD
SKAI memiliki standar penyelenggaraan audit yang diatur di dalam SKAI has audit implementation standards set out in Policy number
Kebijakan nomor 0254/SK/DIR-SKA/2022 tanggal 15 Juni 2022 0254/SK/DIR-SKA/2022 dated June 15, 2022 concerning Internal
tentang Kebijakan Audit Internal. Penyelenggaraan aktivitas audit Audit Policy. The implementation of audit activities begins with
diawali dengan pembuatan rencana kerja audit tahunan (audit the preparation of an annual audit work plan (audit plan) which
plan) yang disusun menggunakan pendekatan berbasis risiko. is prepared using a risk-based approach. The audit universe
Audit universe ditinjau berdasarkan berbagai sudut pandang, baik is reviewed from various perspectives, namely based on work
unit kerja (entitas bisnis), proses bisnis. Pemilihan prioritas objek units (business entities) as well as business processes/operational
2023 Annual Report
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audit dilakukan berdasarkan profil risikonya (risk based internal activities. Priority selection of audit objects is carried out based on
audit). their risk profile (risk based internal audit).
Setiap penugasan audit individual dimulai dengan analisa Each individual audit assignment begins with an in-depth analysis
mendalam pada fase persiapan (preliminary survey) sehingga during the preliminary survey so that the field audit can be
pelaksanaan audit di lapangan dapat berjalan dengan tepat carried out on target. Various methods have been used in audit
sasaran. Berbagai metode telah digunakan dalam penugasan assignments, namely sampling techniques, interview techniques,
audit, yaitu teknik pengambilan sampling, teknik wawancara, criteria for preparing audit evidence and set forth in a standardized
kriteria penyusunan audit evidence dan dituangkan secara manner in audit working papers. To support the analysis process,
terstandarisasi dalam kertas kerja audit. Untuk mendukung proses the auditors are provided with adequate and up-to-date work tool
analisa, para auditor dibekali dengan standar perangkat alat kerja standards.
yang memadai dan mutakhir.
PELAKSANAAN AUDIT INTERNAL TAHUN 2023 INTERNAL AUDIT IMPLEMENTATION IN 2023
1. Pemeriksaan 1. Audit
Penetapan pemeriksaan terhadap Kantor Cabang, Kantor The audit of Branch Offices, the Head Office, Information
Pusat, Sistem Aplikasi Teknologi Informasi dan Konglomerasi Technology Application Systems, and the Financial Conglomerate
Keuangan berdasarkan hasil perhitungan audit rating was based on the results of the audit rating calculation of the
terhadap audit universe dan judgment management. Satuan audit universe and judgment management. The Internal Audit
Kerja Audit Internal (SKAI) setiap tahun menyusun Rencana Work Unit (SKAI) annually prepares an Annual Work Plan and
Kerja dan Anggaran Tahunan sebagai panduan dalam Budget as a guide in effectively carrying out annual audit activities.
melaksanakan kegiatan pemeriksaan tahunan secara efektif.
Pada tahun 2023, SKAI telah melaksanakan audit pada In 2023, SKAI had conducted audits on the actual implementation
Realisasi pelaksanaan Kantor Cabang, Kantor Wilayah, Kantor of Branch Offices, Regional Offices, Head Offices, Information
Pusat, Sistem Aplikasi Teknologi Informasi dan Konglomerasi Technology Application Systems and Financial Conglomerates
Keuangan sebagaimana rencana kerja serta audit tematik dan as per work plans as well as thematic audits and ISO compliance
compliance review ISO. Adapun jumlah rencana dan realisasi reviews. The number of planned and actual inspections by SKAI in
pemeriksaan oleh SKAI di Tahun 2023 sebagai berikut: 2023 was as follows:
Jenis Pemeriksaan Rencana Realisasi
Type of Audit Planned Realized
Audit Umum Kantor Pusat
6 6
Head Office General Audit
Audit Umum Kantor Wilayah
5 5
Regional Office General Audit
Audit Umum Kantor Cabang
25 25
Branch Office General Audit
Audit Teknologi Informasi
6 17
Information Technology Audit
Audit Internal Terintegrasi
9 10
Integrated Internal Audit
Audit Investigasi
- 21
Investigative Audit
Pemeriksaan Kontrol Internal Wilayah
20 11*
Regional Internal Control Inspection
*) Kontrol Internal Wilayah & Cabang telah pindah ke Divisi Manajemen Risiko Operasional
Tabel 1: Rencana dan Realisasi Pemeriksaan SKAI Tahun 2023
*) Regional & Branch Internal Control had moved to Operational Risk Management Division
Table 1 : The 2023 SKAI Plan and Audit Realization
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Sehubungan dengan adanya penyesuaian pada Struktur Organisasi Regarding the adjustments to the latest Organizational Structure
terbaru dengan adanya Unit Kerja baru dalam hal ini adalah Divisi with the existence of a new Work Unit, in this case the Operational
Manajemen Risiko Operasional, maka pada Triwulan IV tahun Risk Management Division, in the Fourth Quarter of 2023, and
2023 sesuai dengan Struktur Organisasi tersebut Kontrol Internal in accordance with the Organizational Structure, Regional and
Wilayah dan Cabang telah berpindah ke Divisi Manajemen Risiko Branch Internal Control had moved to the Operational Risk
Operasional sehingga pemenuhan rencana audit pada Triwulan Management Division so that the satisfaction of audit plan in the
IV tahun 2023 menjadi kewenangan Divisi Manajemen Risiko Fourth Quarter of 2023 was under the authority of the Operational
Operasional. Risk Management Division.
2. Non Pemeriksaan 2. Non-Audit
a. Pengembangan Sistem Informasi Audit Internal yaitu a. Development of the Internal Audit Information System,
Sistem Informasi Manajemen Audit (SIMA). namely the Audit Management Information System
(SIMA).
b. Sosialisasi Refreshment Fungsi SKAI. b. SKAI Function Refreshment Socialization.
c. Forum Group Discussion (FGD) Kontrol Internal Wilayah. c. Forum Group Discussion (FGD) of Regional Internal
Control.
d. Pendampingan Pemeriksaan oleh Pihak Eksternal. d. Audit Assistance by External Parties.
e. Pengembangan Kuantitas dan Kualitas Auditor melalui e. Auditor Quantity and Quality Development through
program sertifikasi nasional dan internasional. national and international certification programs.
Kegiatan workshop Satuan Kerja Audit Internal Tahun 2023 yang The 2023 Internal Audit Work Unit workshop activity was
diselenggarakan pada tanggal 10 November 2023 dan bertempat held dated November 10, 2023 and took place at Sensa Hotel
di Sensa Hotel Bandung, sebagai upaya pengembangan Bandung, as an effort to develop capability and synergy
kapabilitas dan sinergi antar pegawai di lingkungan Satuan kerja between employees within the Internal Audit Work Unit with the
Audit Internal dengan tema “Refreshment Knowledge Auditor theme “Refreshment of Auditor Knowledge to Maintain
Demi Menjaga Sustainability dan Disrupsi Digital Binis Sustainability and Digital Disruption of Bank Businesses ”.
Bank”. Kegiatan workshop tersebut dihadiri oleh Bapak Diding The workshop activity was attended by Mr Diding Sakri Ph.D, an
Sakri Ph.D selaku Komisaris Independen bank bjb dan Bapak Independent Commissioner of bank bjb, and Mr Cecep Trisna, a
Cecep Trisna selaku Direktur Kepatuhan bank bjb. Compliance Director of bank bjb.
Rapat Satuan Kerja Audit Internal dengan Direksi, Dewan Internal Audit Work Unit Meetings with Directors, Board of
Komisaris, dan/atau Komite Audit Commissioners, and/or Audit Committee
Kebijakan yang mengatur rapat SKAI tercantum dalam The policies governing SKAI meetings are stated in bank bjb
Piagam Audit Internal bank bjb (Internal Audit Charter) artikel Internal Audit Charter article 310-Authority, Number 3, specifying
310-Wewenang, Nomor 3 yaitu SKAI mempunyai wewenang that SKAI has the authority to hold periodic and incidental
mengadakan rapat secara berkala dan insidentil dengan Direksi, meetings with the Directors, Board of Commissioners, and/or
Dewan Komisaris, dan/atau Komite Audit. Audit Committee.
• Frekuensi Rapat dengan Direksi
Pertemuan dengan Direksi secara umum dilakukan sesuai • Frequency of Meetings with the Directors
dengan kebutuhan organisasi, setidaknya dalam sebulan Meetings with the Directors are generally carried out in
biasanya dapat dilakukan pertemuan antara SKAI dengan accordance with organizational needs; at least in a month,
Direksi yang secara umum membahas hal-hal yang sifatnya a meeting can usually be held between SKAI and the
strategis, diantaranya seperti koordinasi hasil pemeriksaan Directors, which generally discusses strategic matters, such
audit ekstern, kinerja keuangan bank bjb, bank project as coordination of external audit examination results, bank
quality improvement, pembahasan RBB dan Corporate Plan bjb financial performance, bank project quality improvement,
bank bjb, pembahasan pengkinian prosedur intern Bank dan discussion of the Bank Business Plan (RBB) and bank bjb
rapat-rapat lainnya yang membutuhkan peran SKAI sebagai Corporate Plan, discussion of updating the Bank’s internal
mitra dalam perkembangan bisnis perbankan. procedures, and other meetings that require SKAI’s role as a
partner in banking business development.
• Frekuensi Rapat dengan Dewan Komisaris/Komite Audit • Frequency of Meetings with the Board of Commissioners/
Audit Committee
2023 Annual Report
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Pertemuan berkala setidaknya 1 kali dalam setiap triwulan, Periodic meetings take place at least once a quarter, discussing
membahas Laporan Kegiatan SKAI selama 1 triwulan, the SKAI Activity Report for 1 quarter, including discussing the
diantaranya membahas hasil pemeriksaan, pemantauan audit results, monitoring the commitment to following up the
komitmen tindak lanjut perbaikan hasil temuan audit, program correction of audit findings, education/certification programs,
pendidikan/sertifikasi, penyusunan dan/atau pelaksanaan preparation and/or implementation of the SKAI work program/
program kerja/anggaran SKAI dan lainnya. Selain pertemuan budget, and others. In addition to these regular meetings, it is
berkala tersebut, dimungkinkan pertemuan secara insidentil. possible to meet incidentally.
Adapun pelaksanaan rapat bersama Komite Audit adalah sebagai The meetings with the Audit Committee were as follows.
berikut.
Tanggal Agenda
No.
Date Agenda
20 Desember 2022 Pembahasan Rencana Kerja dan Anggaran Tahunan Satuan Kerja Audit Internal Tahun 2023.
1.
December 20, 2022 Discussion of the Annual Work Plan and Budget of the Internal Audit Work Unit for 2023.
06 Juni 2023 Pembahasan Evaluasi Hasil Audit Internal Periode Triwulan I Tahun 2023.
2.
June 06, 2023 Discussion of Evaluation of Internal Audit Results for the First Quarter of 2023.
20 September 2023 Pembahasan Evaluasi Hasil Audit Internal Periode Triwulan II Tahun 2023.
3.
September 20, 2023 Discussion of Evaluation of Internal Audit Results for the Second Quarter of 2023.
14 November 2023 Pembahasan Rencana Kerja & Anggaran Tahunan Satuan Kerja Audit Internal Tahun 2024.
4.
November 14, 2023 Discussion of the Annual Work Plan and Budget of the Internal Audit Work Unit for2024.
28 Desember 2023 Pembahasan Evaluasi Hasil Audit Internal Periode Triwulan III Tahun 2023
5.
December 28, 2023 Discussion of Evaluation of Internal Audit Results for the Third Quarter of 2023
STRATEGI KERJA DI TAHUN 2023 WORK STRATEGY IN 2023
1. Berperan aktif membantu perusahaan dalam mencapai tujuan, 1. Playing an active role in assisting the Company towards its
melalui pendekatan yang sistematis dan konsisten melalui objectives through a systematic and consistent approach to
evaluasi dan meningkatkan efektivitas proses governansi, evaluating and improving the effectiveness of governance,
manajemen risiko, dan kepatuhan (GRC). risk management, and compliance (GRC) processes.
2. Menjadi katalisator dalam menciptakan budaya bisnis yang 2. Being a catalyst in creating a quality business culture through
berkualitas melalui fungsi pengawasan yang agile dan an agile and responsive supervisory function to business
responsif terhadap dinamika bisnis. dynamics.
3. Peningkatan pengembangan Sistem Informasi Manajemen 3. Enhancing the Audit Management Information System and
Audit dan software data analysis. data analysis software.
Temuan dan Tindak Lanjut Hasil Audit Findings and Follow-Up on Audit Results
Temuan Audit Internal periode tahun 2019 sampai dengan tahun The audit findings for the period of 2019 until 2023 were as
2023 sebagai berikut: follows:
Jumlah Temuan Audit Berdasarkan Satuan Kerja Auditee
Tahun Number of Audit Findings Based on Auditee Work Unit
No Pemeriksaan
Year of Inspection Kantor Pusat Kantor Wilayah Kantor Cabang Teknologi Informasi Audit Terintegrasi
Head Office Regional Office Branch office Information Technology Integrated Audit
1 2019 29 - 232 14 -
2 2020 25 - 143 22 18
3 2021 44 - 119 29 32
4 2022 15 - 128 165 50
5 2023 22 26 124 223 58
Laporan Tahunan 2023
840 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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Divisi Manajemen Risiko Kredit, Pasar & Credit, Market, and Integrated Risk
Terintegrasi Management Division
Struktur Organisasi Divisi Manajemen Risiko Organizational Structure of Credit, Market, and
Kredit, Pasar & Terintegrasi Integrated Risk Management Division
Direktur Kepatuhan
Director of Compliance
Pemimpin Divisi Manajemen Risiko
Kredit, Pasar & Integrasi
Head of Credit, Market, and Integrated Risk
Management Division
Grup Manajemen Risiko Kredit Grup Manajemen Risiko Pasar & likuiditas Grup Manajemen Risiko Terintegrasi
Credit Risk Management Group Market and liquidity Risk Management Group Integrated Risk Management Group
Divisi Manajemen Risiko Kredit, Pasar & Terintegrasi terdiri dari Credit, Market, and Integrated Risk Management Division consists
1 (satu) orang Pemimpin Divisi, 3 (tiga) orang Pemimpin Grup. of 1 (one) Division leader and 3 (three) group leader persons.
Dalam menjalankan aktivitasnya, masing-masing grup dibantu In carrying out its activities, each group is assisted by Manager,
oleh Manager, Officer dan Staff yang ditunjuk Officer and appointed Staff.
Tugas dan Tanggung Jawab Divisi Manajemen Duties and Responsibilities of The Credit, Market,
Risiko Kredit, Pasar & Terintegrasi and Integrated Risk Management Division
Tugas dan tanggung jawab Divisi Manajemen Risiko Kredit, Pasar The duties and responsibilities of the Credit, Market, and
& Terintegrasi adalah sebagai berikut: Integrated Risk Management Division are as follow:
1. Bertanggung jawab terhadap pengelolaan rencana dan 1. Taking responsibility for managing integrated market and
strategi manajemen risiko kredit, pasar dan terintegrasi credit risk management plans and strategies for aspects and
terhadap aspek dan unsur yang melekat pada organisasi elements inherent in the bank organization. Risk management
bank. Kebijakan dan kerangka manajemen risiko sesuai policies and framework are in accordance with duties and
dengan tugas dan tanggung jawab, menjadi unit pendukung responsibilities and become a strategic support unit in the
strategis dalam organisasi terkait manajemen risiko kredit, organization related to integrated market and credit risk
pasar dan terintegrasi serta pengembangan penerapan management and development of the application of risk
budaya risiko pada seluruh kegiatan usaha bank pada setiap culture to all bank business activities at every level of the
jenjang organisasi. organization.
2. Pemantauan pelaksanaan strategi Manajemen Risiko yang 2. Monitoring the implementation of risk management strategy
telah disetujui oleh Direksi. approved by the Directors.
3. Pemantauan posisi risiko secara keseluruhan (composite), per 3. Monitoring overall risk position (composite), per risk type, and
jenis risiko, dan per jenis aktivitas fungsional serta melakukan per type of functional activity and stress testing.
stress testing.
4. Kaji ulang secara berkala terhadap proses Manajemen Risiko. 4. Periodic review of the risk management process.
5. Evaluasi terhadap akurasi model dan validitas data 5. Evaluation of the model accuracy and validity of the data used
yang digunakan untuk mengukur risiko bagi Bank yang to measure risk for the Bank using the model for internal
menggunakan model untuk keperluan internal (internal purposes (internal model).
model).
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 841
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TATA KELOLA
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6. Memberikan rekomendasi kepada Satuan Kerja Operasional 6. Provide recommendations to operational units (risk-taking
(risk-taking unit) dan/atau kepada Komite Manajemen Risiko, units) and/or to the Risk Management Committee, in
sesuai kewenangan yang dimiliki. accordance with the authority owned.
7. Menyusun dan menyampaikan laporan profil risiko kepada 7. Compile and submit a risk profile report to the President
Direktur Utama atau Direktur yang ditugaskan secara khusus Director or a specially assigned director and the Risk
dan Komite Manajemen Risiko secara berkala. Management Committee periodically.
Profil Pemimpin Divisi Manajemen Risiko Head of Credit, Market, and Integrated Risk
Kredit, Pasar & Terintegrasi Management Division Profile
Asep Dani Fadilah
Pemimpin Divisi Manajemen Risiko Kredit, Pasar & Terintegrasi/
Head of Credit, Market, and Integrated Risk Management Division
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Kuningan, 1 Juni 1971saat ini berusia 52 tahun. Born in Kuningan, June 1 1971, currently 52 years old.
Riwayat Pendidikan Educational Background
• Sarjana Ekonomi, STIE Kuningan tahun 2000 • Bachelor of Economics, STIE Kuningan 2000
• Magister Manajemen, STIE Ganesha tahun 2003 • Master in Management, STIE Ganesha 2003
Dasar Hukum Pengangkatan Legal Basis of Appointment
Menjabat sebagai Pemimpin Divisi Manajemen Risiko berdasarkan Surat Menjabat sebagai Pemimpin Divisi Manajemen Risiko berdasarkan Surat
Keputusan Direksi No. 0871/SK/DIR-HC/2019. Keputusan Direksi No. 0871/SK/DIR-HC/2019.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 1991 dengan riwayat jabatan sebagai berikut: Joined bank bjb in 1991 with the following position history:
• Pemimpin Divisi Hukum sejak Desember 2018 hingga Juli 2019 • Head of Legal Division from December 2018 to July 2019
• Pemimpin Divisi Manajemen Anak Perusahaan sejak Oktober 2018 • Head of Subsidiary Management Division from October 2018 to
hingga Desember 2018 December 2018
• Head of General Affairs Division from May 2017 to October 2018
• Pemimpin Divisi Umum sejak Mei 2017 hingga Oktober 2018
Sertifikasi Certification
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
• PECB ISO 37301 • PECB ISO 37301
Laporan Tahunan 2023
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Divisi Manajemen Risiko Operasional Operational Risk Management Division
Struktur Organisasi Divisi Manajemen Risiko Operational Risk Management Division
Operasional Organizational Structure
Direktur Kepatuhan
Director of Compliance
Divisi Manajemen Risiko
Operasional
Operational Risk Management
Division
Tools,
Metodologi & Pengkajian
Kontrol Internal
Pelaporan Operasional IT, Digital Risk & BCM Fraud Risk
Wilayah
Tools, Operational IT, Digital Risk & BCM Fraud Risk
Regional Internal Control
Methodology & Assessment
Reporting
Keterangan/ Information:
Direktur/ Director Berjumlah lebih dari satu/ There are more than one
Divisi/ Division Grup/ Group
Divisi Manajemen Risiko Operasional terdiri dari 1 (satu) orang The Operational Risk Management Division consists of 1 (one)
Pemimpin Divisi, 4 (empat) orang Pemimpin Grup dan Kontrol Division Leader, 4 (four) Group Leaders and Regional Internal
Internal Wilayah. Dalam menjalankan aktivitasnya, masing-masing Control. In carrying out its activities, each group is assisted by an
grup dibantu oleh Manager, Officer dan Staff yang ditunjuk. appointed Manager, Officer and Staff.
Tugas dan Tanggung Jawab Divisi Manajemen Duties and Responsibilities of the Operational
Risiko Operasional Risk Management Division
Tugas dan tanggung jawab Divisi Manajemen Risiko Operasional The duties and responsibilities of the Operational Risk Management
adalah sebagai berikut: Division are as follows:
1. Pemantauan pelaksanaan strategi Manajemen Risiko yang 1. Monitoring the implementation of Risk Management
telah disetujui oleh Direksi. strategies that have been approved by the Board of Directors.
2. Pemantauan posisi risiko secara keseluruhan (composite), per 2. Monitoring the overall risk position (composite), per type of
jenis risiko, dan per jenis aktivitas fungsional serta melakukan risk, and per type of functional activity and carrying out stress
stress testing. testing.
3. Kaji ulang secara berkala terhadap proses Manajemen Risiko. 3. Regularly review the Risk Management process.
4. Pengkajian atas usulan aktivitas dan/atau produk baru. 4. Review of proposed new activities and/or products.
5. Evaluasi terhadap akurasi model dan validitas data 5. Evaluation of the accuracy of the model and validity of the
yang digunakan untuk mengukur risiko bagi Bank yang data used to measure risk for Banks that use the model for
menggunakan model untuk keperluan internal (internal internal purposes (internal model).
model).
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 843
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TATA KELOLA
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6. Memberikan rekomendasi kepada Satuan Kerja Operasional 6. Provide recommendations to the Operational Work Unit (risk-
(risk-taking unit) dan/atau kepada Komite Manajemen Risiko, taking unit) and/or to the Risk Management Committee,
sesuai kewenangan yang dimiliki. according to their authority.
7. Menyusun dan menyampaikan laporan profil risiko kepada 7. Prepare and submit risk profile reports to the President Director
Direktur Utama atau Direktur yang ditugaskan secara khusus or specially assigned Director and the Risk Management
dan Komite Manajemen Risiko secara berkala. Committee on a regular basis.
Profil Pemimpin Divisi Manajemen Risiko Profile of the Head of Operational Risk
Operasional Management Division
Yogy Yatno
Pemimpin Divisi Manajemen Risiko Operasional/
Head of Operational Risk Management Division
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Cirebon, 24 April pada tahun 1979, usia 44 tahun per Born in Cirebon, April 24, 1979, age 44 years old as of January
Januari 2024 2024
Riwayat Pendidikan Educational Background
• Sarjana Ekonomi, STIE YPKP tahun 2001 • Bachelor of Economics, STIE YPKP in 2001
• Magister Manajemen, UNPAD tahun 2010 • Master of Management, UNPAD in 2010
Riwayat Penunjukan Appointment History
Menjabat sebagai Pemimpin Divisi Manajemen Risiko Operasional Appointed as Head of the Operational Risk Management Division based on
berdasarkan Surat Keputusan Direksi No. 0285/SK/DIR-HCA/2023. Directors’ Decree No. 0285/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 2002 dengan riwayat jabatan sebagai berikut: Joined bank bjb since 2002 with the following position history:
• Pemimpin Divisi Kebijakan & Prosedur sejak Tahun 2022 hingga Tahun • Head of the Policy & Procedures Division from 2022 to 2023
2023
• Pemimpin Divisi Jaringan & Layanan sejak Tahun 2021 hingga Tahun • Network & Services Division Leader from 2021 to 2022
2022
• CEO Regional 1 Sejak Tahun 2020 hingga Tahun 2021 • Regional CEO 1 from 2020 to 2021
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Pengembangan Kompetensi Pegawai Divisi Development of Employee Competencies
Manajemen Risiko Kredit, Pasar & Terintegrasi of The Credit, Market and Integrated Risk
Serta Divisi Manajemen Risiko Operasional Management Division and Operational Risk
Tahun 2023 Management Division In 2023
No. Tema Pelatihan Training Theme
1. Self Confident Marketing & Selling Skill Kantor Cabang Cilegon Self Confident Marketing & Selling Skill Cilegon Branch Office
Anti Money Laundering In Digital Era : Lesson Learned From Anti Money Laundering In Digital Era : Lesson Learned From Selected
2.
Selected Countries Countries
3. Aspek Hukuk Perkredit Untuk Pegawai KC Garut Legal Aspects of Credit for Garut KC Employees
Laporan Tahunan 2023
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No. Tema Pelatihan Training Theme
4. Atmr Risiko Pasar Fundamental Review of The Trading Book (FRTB) Atmr Risiko Pasar Fundamental Review of The Trading Book (FRTB)
5. Awareness ISO/IEC 20000-1:2018 & ISO/IEC 27001 :2022 Awareness ISO/IEC 20000-1:2018 & ISO/IEC 27001 :2022
6. Bank Indonesia Reporting Knowledge Bank Indonesia Reporting Knowledge
7. Certified Risk Associate (CRA) Certified Risk Associate (CRA)
8. bjb E-Class : LNA Branch Operation Management bjb E-Class : LNA Branch Operation Management
9. Business Continuity Plan (BCP) Business Continuity Plan (BCP)
10. Climate Risk Stress Testing (CRST) Climate Risk Stress Testing (CRST)
11. Certified Risk Professional (CRP) Certified Risk Professional (CRP)
Communication & Ethics Negotiation Skill Presentation Skill Dan
12. Communication & Ethics Negotiation Skill Presentation Skill and Selling Skill
Selling Skill
13. Communication Skill Selling Skill dan Fraud Awareness Communication Skill Selling Skill and Fraud Awareness
Communication & Presentation Skill Untuk Pegawai Kantor
14. Communication & Presentation Skills for Regional Office 3 Employees
Wilayah 3
Communication Skill Relationship Building and Networking & Communication Skill Relationship Building and Networking & Fraud
15.
Fraud Awareness Kantor Cabang Daan Mogot Awareness Daan Mogot Branch Office
16. Cyber Risk Management Cyber Risk Management
17. Digital Marketing Kantor Cabang Rasuna Said Digital Marketing Rasuna Said Branch Office
18. Corporate Finance Corporate Finance
19. Excellent Execution Program Excellent Execution Program
20. Enhancement Program Untuk Sekretaris & Umum bank bjb Enhancement Program for Secretary & General of bank bjb
Efektivitas Digital Maturity Assessment Dalam Mengukur Effectiveness of Digital Maturity Assessment in Measuring the Maturity of
21.
Kematangan Transformasi Digital Perbankan Banking Digital Transformation
22. Financial Forecasting & Modelling Financial Forecasting & Modelling
23. Green Financing Green Financing
24. Green Bond dan Carbon Trading Green Bond dan Carbon Trading
25. Green Banking Green Banking
Fraud Detection On Digital Banking Crime : Pengelolaan dan Fraud Detection on Digital Banking Crime: Management and Handling of
26. Penanganan Kejahatan Di Perbankan Dalam Penerapan Strategi Crime in Banking in the Implementation of Anti-Fraud and Risk Mitigation
Anti Fraud Serta Mitigasi Risiko Strategies
27. Governance Risk & Compliance (GRC) Governance Risk & Compliance (GRC)
Implementasi Business Continuity Management System Di Implementation of the Business Continuity Management System in the
28.
Perusahaan Sesuai Dengan ISO 22301:2019 Company in accordance with ISO 22301:2019
29. Guide To CAFM Certification & CAFM Examination Guide To CAFM Certification & CAFM Examination
30. ISO 9001:2015 (Sistem Manajemen Mutu) ISO 9001:2015 (Quality Management System)
Implementasi Business Continuity Management System Di Implementation of the Business Continuity Management System in the
31.
Perusahaan Sesuai Dengan ISO 22301:2019 Company in accordance with ISO 22301:2019
Kegiatan Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Maintenance/Refreshment Activities for Risk Management Certification
32.
Batch 2 & Batch 3 Tahun 2023 (Inhouse Training Daring) Batch 2 & Batch 3 Year 2023 (Inhouse Online Training)
33. Keuangan Berkelanjutan Sustainable Finance
34. LNA : Cash Handling & Management LNA : Cash Handling & Management
35. LNA : Moneter & Macroeconomy Knowledge LNA : Moneter & Macroeconomy Knowledge
LNA bjb E-Class : (Basic Banking Analysis (Statistical Analysis LNA bjb E-Class : (Basic Banking Analysis (Statistical Analysis Banking &
36.
Banking & Financial Industry Analysis dan Client Industry Analysis) Financial Industry Analysis and Client Industry Analysis)
LNA : Dasar-Dasar Audit (Kompetensi Audit Monitoring Quality
LNA: Audit Basics (Audit Competency Monitoring Quality Management
37. Management Audit Procedure Audit Tool & Technique Audit
Audit Procedure Audit Tool & Technique Audit Reporting Writing
Reporting Writing
38. LNA : Law & Regulation LNA : Law & Regulation
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PERUSAHAAN
No. Tema Pelatihan Training Theme
LNA : Self Confidence & Communication Skill Kantor Cabang LUNA : Self Confidence and Communication Skill Karawang Branch Office
39.
Karawang (In House Training - Tatap Muka) (In House Training - Face to Face)
40. Marketing & Selling Skill Kantor Wilayah 4 Marketing & Selling Skills Regional Office 4
Online Refreshment Sertifikasi Manajemen Risiko Batch 1 Tahun Online Refreshment Sertifikasi Manajemen Risiko Batch 1 Tahun 2023
41.
2023 (Inhouse Training Online) (Inhouse Training Online)
42. Monitoring & Pengendalian Operasional Bank Bank Operational Monitoring and Control
Pembelajaran Berbasis Kompetensi Jenjang Kualifikasi SPPUR 5 -
Competency Based Learning SPPUR Qualification Level 5 - Rupiah Payment
43. Sertifikasi Sistem Pembayaran & Pengelolaan Uang Rupiah (SPPUR)
& Money Management System Certification (SPPUR) Cash Management
Pengelolaan Uang Tunai
Penerapan Manajemen Risiko Untuk Dana Pensiun Lembaga Implementation of Risk Management for Financial Institution Pension Funds
44.
Keuangan (DPLK) (DPLK)
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Batch 8
45. Maintenance/Refreshment of Batch 8 Risk Management Certification 2023
Tahun 2023
Pencegahan Fraud Tipikor Dan Pencucian Uang Kantor Cabang Prevention of Corruption Fraud and Money Laundering at Subang Branch
46.
Subang (In House Training - Tatap Muka) Office (In House Training - Face to Face)
47. Pengenalan Budaya Perusahaan Dan Fraud Detection System (FDS) Introduction to Corporate Culture and Fraud Detection System (FDS)
48. Pengenalan Digital Digital Introduction
Penguatan Kerangka Manajemen Risiko Dalam Menjaga Kesehatan Strengthening the Risk Management Framework in Maintaining Bank
49.
Bank Health
50. Pengenalan Tata Kelola Perusahaan Efek Introduction to Securities Company Governance
Pengenalan Perbankan Bagi Pegawai Dalam Masa Penilaian (PDMP) Introduction to Banking for Employees During the Assessment Period
51.
Batch 1 Tahun 2023 (PDMP) Batch 1 of 2023
Perancangan Perangkat Aplikasi Operational Risk Management : Design of Operational Risk Management Application Tools: RCSA KRI &
52.
RCSA KRI & LED LED
Perhitungan Aset Tertimbang Menurut Risiko Pasar Bagi Bank Calculation of Weighted Assets According to Market Risk for Commercial
53.
Umum Sesuai SEOJK Nomor 23/SEOJK.03/2022 Banks According to SEOJK Number 23/SEOJK.03/2022
54. Refreshment/Pemeliharaan Sertifikasi Manajemen Risiko Refreshment/Maintenance of Risk Management Certification
Risk Analysis & Mitigation Skill dan Risk Financing Analysis
55. Risk Analysis & Mitigation Skill and Risk Financing Analysis Knowledge
Knowledge
56. Say No To Fraud Say No To Fraud
Self Confident 7 Habits Of Highly Effective People Dan Marketing Self Confident 7 Habits Of Highly Effective People And Marketing & Selling
57.
& Selling Skill Kantor Cabang Hasyim Ashari Skills Hasyim Ashari Branch Office
58. Selling Skill & Digital Marketing Kantor Cabang Makassar Selling Skills & Digital Marketing Makassar Branch Office
59. Softskill Kantor Cabang Bandar Lampung Softskill Bandar Lampung Branch Office
60. Sistem Rekening Antar Kantor (SRAK) Inter-Office Account System (SRAK)
61. Strategic Planning For Bankers Level Staff & Penyelia Strategic Planning For Bankers Staff & Supervisor Level
Stress Testing Risiko Operasional Untuk Dana Pensiun Lembaga Stress Testing Operational Risk for Financial Institution Pension Funds
62.
Keuangan (DPLK) (DPLK)
63. Sustainable Finance Branding Sustainable Finance Branding
64. Sustainability Reporting Sustainability Reporting
65. Transaksi Derivatif Dan Structure Product Derivative Transactions and Structure Products
Training Awareness Sistem Manajemen Kepatuhan (SMK) ISO ISO 37301: 2021 Compliance Management System (SMK) Awareness
66.
37301 : 2021 Training
Teknis Penanggulangan Bencana Lokakarya Dan Sertifikasi Berpola Technical Disaster Management Workshop and Certification Patterned
67. Layanan Penerimaan Negara Bukan Pajak (PNBP) Pusdiklat PB Non-Tax State Revenue Services (PNBP) PB Education and Training Center
Tahun Anggaran 2 Financial Year 2
68. Webinar Peluang Harapan Dan Tantangan Perkonomian Nasional National Economic Opportunities and Challenges Webinar
Workshop Strategi Mitigasi Risiko Kredit (Internal Rating System
Credit Risk Mitigation Strategy Workshop (Internal Rating System Industry
69. Industry Risk Rating Early Warning System & Loan Portofolio
Risk Rating Early Warning System & Loan Portfolio Guidelines)
Guidelines)
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No. Tema Pelatihan Training Theme
Workshop Tantangan Dan Peluang Profesi Manajemen Risiko Workshop on Challenges and Opportunities for the Risk Management
70.
Dalam Pencapaian Tujuan Keuangan Berkelanjutan Profession in Achieving Sustainable Financial Goals
71. Virtual Seminar Lesson Learned Kasus Silicon Valley Bank (SVB) Virtual Seminar Lessons Learned Silicon Valley Bank (SVB) Case
Workshop Training Digital Regulatory & Compliance Memahami Digital Regulatory & Compliance Training Workshop Understanding the
72.
Pertumbuhan E-Channel Dalam Era Digital Banking Growth of E-Channels in the Digital Banking Era
73. Workshop Dan Penyusunan ISO 27001 BPD SI Workshop and Preparation of ISO 27001 BPD SI
Webinar OJK - Membangun Transaksi Keuangan Digital Yang OJK Webinar - Building Safe and High Integrity Digital Financial
74. Aman dan Berintegritas Tinggi - Membangun Keyakinan Nasabah Transactions - Building Digital Asset Customer Confidence Against Cyber
Aset Digital Dari Risiko Siber Risk
75. Webinar Prospek Insurtech Di Indonesia Webinar on Insurtech Prospects in Indonesia
76. Webinar OJK - Peluang Metaverse Di Industri Jasa Keuangan OJK Webinar - Metaverse Opportunities in the Financial Services Industry
77 Webinar BPD Sharing Corner Ladies Bankers BPD Sharing Corner Ladies Bankers Webinar
Pelaksanaan Tugas Divisi Manajemen Risiko Implementation of Duties of The Credit, Market
Kredit, Pasar & Terintegrasi Serta Divisi and Integrated Risk Management Division and
Manajemen Risiko Operasional Tahun 2023 The Operational Risk Management Division in
2023
Pada tahun 2023, Divisi Manajemen Risiko Kredit, Pasar & In 2023, the Credit, Market & Integrated Risk Management
Terintegrasi bersama dengan Divisi Manajemen Risiko Operasional Division together with the Operational Risk Management Division
telah menjalankan peran sebagai Satuan Kerja Manajemen Risiko carried out their role as the Risk Management Work Unit at bank
di bank bjb dengan mengkoodinasikan pelaksanaan Strategi bjb by coordinating the implementation of the Risk Management
dan Kerangka Manajemen Risiko yang mencakup 4 (empat) pilar Strategy and Framework which includes 4 (four) pillars of risk
penerapan manajemen risiko, yaitu: management implementation, namely:
1. Pengawasan Aktif Dewan Komisaris dan Direksi; 1. Active supervision of the Board of Commissioners and
Directors;
2. Kecukupan Kebijakan dan Prosedur Manajemen Risiko serta 2. Adequacy of Risk Management Policies and Procedures and
Penetapan Limit Risiko; Determination of Risk Limits;
3. Kecukupan Proses Identifikasi, Pengukuran, Pemantauan dan 3. Adequacy of Risk Identification, Measurement, Monitoring
Pengendalian Risiko serta informasi Manajemen Risiko; serta and Control Processes as well as Risk Management
information; as well as
4. Sistem Pengendalian Internal yang Menyeluruh. 4. Comprehensive Internal Control System.
Dalam rangka penerapan manajemen risiko yang efektif, upaya In order to implement effective risk management, efforts to
pengembangan penerapan manajemen risiko dilakukan terhadap develop the implementation of risk management are carried out
aspek serta unsur yang melekat pada organisasi Perseroan dengan on aspects and elements inherent in the Company’s organization
penguatan struktur organisasi manajemen risiko, memastikan by strengthening the risk management organizational structure,
proses manajemen risiko operasional yang terdapat pada Risk ensuring the operational risk management process contained in
Taking Unit, pemantauan terhadap dedicated operational risk the Risk Taking Unit, monitoring the dedicated operational risk
officer melalui fungsi KIC/KIW sebagai pihak yang melakukan officer through the function KIC/KIW is the party that carries out
pengawasan dan review ulang atas aktivitas operasional di Kantor supervision and review of operational activities at Branch Offices
Cabang dan tindak lanjut alert FDS (Fraud Detection System) serta and follows up on FDS (Fraud Detection System) alerts and is
turut pula menjadi Strategic Supporting Unit yang secara intensif also a Strategic Supporting Unit that intensively develops a risk
mengembangkan budaya sadar risiko pada seluruh jenjang awareness culture at all levels of the organization, internally and
organisasi, di internal maupun pada Konglomerasi Keuangan externally at Bank Financial Conglomeration.
Bank.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 847
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TATA KELOLA
PERUSAHAAN
Komite di Bawah Direksi Committee Under the Directors
Dalam melaksanakan tugas kepengurusannya, Direksi juga In carrying out its management duties, the Directors are assisted
dibantu oleh Komite di bawah Direksi sebanyak 6 (enam) Komite, by 6 (six) Committees under the Directors, namely:
yaitu:
1. Komite Manajemen Risiko 1. Risk Management Committee
2. Komite Kebijakan Perkreditan 2. Credit Policy Committee
3. Komite Pengarah Teknologi Informasi 3. Information Technology Steering Committee
4. Komite Manajemen Risiko Terintegrasi 4. Integrated Risk Management Committee
5. Assets and Liability Committee (ALCO) 5. Assets and Liability Committee (ALCO)
6. Komite Risiko Permodalan 6. Capital Risk Committee
Komite Manajemen Risiko Risk Management Committee
Komite Manajemen Risiko (KMR) atau Risk Management The Risk Management Committee (RMC) is a committee within
Committee (RMC) merupakan komite dalam sistem manajemen the Bank’s risk management system located at the Head Office
risiko bank yang berkedudukan di Kantor Pusat dan bersifat non and is non-structural and independent of the Risk Taking Unit.
struktural dan independen terhadap Risk Taking Unit.
STRUKTUR DAN KEANGGOTAAN KOMITE RISK MANAGEMENT COMMITTEE STRUCTURE AND
MANAJEMEN RISIKO MEMBERSHIP
Proses KMR secara spesifik terdapat dalam Pedoman Komite The process of the Risk Management Committee is specifically
Manajemen Risiko yang telah disahkan dalam Surat Keputusan contained in the Guidelines for the Risk Management Committee,
Direksi bank bjb nomor 0166/SK/DIR-MRI/2022 Tanggal 21 April which have been approved in the Decree of the Directors of
2022 Tentang Pedoman Komite Manajemen Risiko. bank bjb number 0166/SK/DIR-MRI/2022, dated April 21, 2022,
concerning Guidelines for the Risk Management Committee.
Susunan keanggotaan komite sesuai dengan ketentuan mengenai The composition of the committee membership is in accordance
struktur organisasi yang berlaku dan dapat dilakukan perubahan with the provisions regarding the applicable organizational
apabila diperlukan. Struktur dan keanggotaan Komite Manajemen structure and can be changed if necessary. The structure and
Risiko adalah sebagai berikut: membership of the Risk Management Committee are as follows:
Jabatan Diisi oleh Hak Suara
Position Completed by Voting Rights
Ketua KMR Direktur yang Membawahkan Divisi Manajemen Risiko Mempunyai Hak Suara
(merangkap sebagai anggota tetap) Director in charge of the Risk Management Division Have Voting Rights
Head of KMR
(concurrently as a permanent member)
Sekretaris KMR (merangkap sebagai anggota tetap) Pemimpin Divisi Manajemen Risiko Mempunyai Hak Suara
KMR Secretary (concurrently as a permanent member) Head of Risk Management Division Have Voting Rights
Anggota tidak tetap Direktur Utama Mempunyai Hak Suara
Non-permanent members President director Have Voting Rights
Anggota tetap dengan hak suara Seluruh Direksi lainnya Mempunyai Hak Suara
permanent members with voting rights (tidak termasuk Direktur Utama) Have Voting Rights
All other Directors
(excluding President Director)
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Jabatan Diisi oleh Hak Suara
Position Completed by Voting Rights
Anggota tetap a. Pejabat yang memimpin Sejabat yang memimpin Satuan Tanpa Hak Suara
Anggota tetap Kerja Audit Internal Without voting rights
b. Pemimpin Divisi Kepatuhan & APU PPT
a. Leading officer An official who leads the Internal Audit Work
Unit
b. Head of Compliance & AML CFT Division
Anggota tidak tetap a. Senior Executive Vice President yang terkait dengan topik Tanpa Hak Suara
Anggota tidak tetap pembahasan Without voting rights
b. Pemimpin Divisi/Unit yang memiliki keterkaitan dengan topik
pembahasan
a. Senior Executive Vice President related to the topic of
discussion
b. Head of Division/Unit that has relevance to the topic of
discussion
TUGAS, WEWENANG, DAN TANGGUNG JAWAB DUTIES, AUTHORITIES, AND RESPONSIBILITIES OF
KOMITE MANAJEMEN RISIKO THE RISK MANAGEMENT COMMITTEE
Kewenangan dan tanggung jawab KMR adalah mengevaluasi The duties, authorities and responsibilities of the Risk Management
dan memberikan rekomendasi kepada Direktur Utama mengenai Committee (RMC) are to evaluate and provide recommendations
penerapan manajemen risiko yang paling sedikit meliputi: on the implementation of risk management in relation to the
following matters:
a. Penyusunan kebijakan manajemen risiko serta perubahannya, a. The policy formulation of risk management and its changes,
termasuk strategi manajemen risiko, tingkat risiko yang including risk management strategies , level of risk taken and
diambil dan toleransi risiko, kerangka manajemen risiko serta risk tolerance, risk management framework and contingency
rencana kontinjensi untuk mengantisipasi terjadinya kondisi plans to anticipate the occurrence of abnormal conditions
tidak normal (stress); (stress);
b. Penyempurnaan proses Manajemen Risiko secara berkala b. Improvement and enhancement of the implementation of risk
maupun bersifat insidentil sebagai akibat dari suatu perubahan management conducted periodically or incidental as a result
kondisi eksternal dan internal bank yang mempengaruhi of a change in external and internal conditions of the Bank
kecukupan permodalan, profil Risiko bank, dan tidak that affects the adequacy of capital and risk profile of the
efektifnya penerapan Manajemen Risiko berdasarkan hasil Bank and the result of evaluation To the effectiveness of such
evaluasi; applications.
c. Penetapan (justification) atas hal-hal yang terkait dengan c. Determination (justification) of matters relating to business
keputusan-keputusan bisnis yang memiliki kondisi khusus, decisions that deviate from normal procedures (irregularities),
seperti keputusan pelampauan ekspansi usaha yang signifikan such as the decision of a significant business expansion to the
dibandingkan dengan rencana bisnis bank yang telah business plan of a pre-defined bank or risk-taking position/
ditetapkan sebelumnya atau pengambilan posisi/eksposur exposure exceeding the specified limit.
risiko yang melampaui batasan yang telah ditetapkan.
2023 Annual Report
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TATA KELOLA
PERUSAHAAN
PROFIL ANGGOTA KOMITE MANAJEMEN RISIKO PROFILE OF RISK MANAGEMENT COMMITTEE
MEMBERS
Cecep Trisna
Direktur Kepatuhan/Ketua /
Director of Compliance/Chairman
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1967, usia 56 tahun per Desember Born in Bandung in 1967, 56 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
Sarjana bidang Ilmu Manajemen dari Universitas Padjajaran Bachelor of Management from Padjajaran University, Bandung (1990).
Bandung (1990).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Appointed as Director of bank bjb for the first time based on Financial
Surat Otoritas Jasa Keuangan No. SR-65/KR.02/2021 tanggal 21 Juli Services Authority Letter No. SR-65/KR.02/2021 dated July 21, 2021
2021 perihal Penyampaian Salinan Keputusan Penilaian Kemampuan dan concerning Submission of a Copy of the Capability and Proper Test Decision
Kepatutan atas Pengangkatan Direktur Kepatuhan PT Bank Pembangunan on the Appointment of Compliance Director of PT Bank Pembangunan
Daerah Jawa Barat dan Banten,Tbk. Efektif menjabat sebagai Direktur Daerah West Java and Banten, Tbk. Effectively serving as Compliance
Kepatuhan bank bjb sejak tanggal 22 Juli 2021. Director of bank bjb since July 22, 2021.
Pengalaman Kerja Work Experience
• Pemimpin Divisi Pendidikan dan Pelatihan (2014 - 2017). • Head of Education and Training Division (2014 - 2017).
• Pemimpin Yayasan Kesejahteraan Pegawai bank bjb (2017 - 2018). • Leader of the bank bjb Employee Welfare Foundation (2017 - 2018).
• Pemimpin Divisi Kepatuhan dan APU-PPT (2018 - 2021). • Head of Compliance and APU-CFT Division (2018 - 2021).
• Direktur Kepatuhan bank bjb (2021 – saat ini). • Director of Compliance bank bjb (2021 – present).
Periode dan Masa Jabatan Period of Service
6 April 2021 – saat ini (periode pertama). April 6, 2021 – present (first period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• Sertifikasi Kepatuhan Level 1 oleh Forum Komunikasi Direktur • Level 1 Compliance Certification by the Banking Compliance Director
Kepatuhan Perbankan (FKDKP) (2019). Communication Forum (FKDKP) (2019).
• Sertifikasi Kepatuhan Level 2 oleh Forum Komunikasi Direktur • Level 2 Compliance Certification by the Banking Compliance Director
Kepatuhan Perbankan (FKDKP) (2019). Communication Forum (FKDKP) (2019).
• Sertifikasi Kepatuhan Level 2 oleh Lembaga Sertifikasi Profesi • Level 2 Compliance Certification by the Indonesian Banking
Perbankan Indonesia (LSPP) (2019). Professional Certification Institute (LSPP) (2019).
• Sertifikasi Manajemen Risiko Jenjang 7 oleh Badan Sertifikasi • Level 7 Risk Management Certification by the Risk Management
Manajemen Risiko (BSMR) (2020). Certification Body (BSMR) (2020).
• Sertifikasi Manajemen Risiko Strategi Ketahanan Dalam Penerapan • Risk Management Certification Resilience Strategy in Implementing
Manajemen Risiko Di Masa Pandemi COVID-19 (2020). Risk Management During the COVID-19 Pandemic (2020).
• Sertifikasi Kepatuhan & AML Level 3 Eksekutif oleh oleh Lembaga • Compliance & AML Level 3 Executive Certification by the Indonesian
Sertifikasi Profesi Perbankan Indonesia (LSPP) (2021). Banking Professional Certification Institute (LSPP) (2021).
• Sertifikasi Kompetensi Level Eksekutif Level 3 Kepatuhan oleh Lembaga • Executive Level 3 Compliance Competency Certification by the
Sertifikasi Profesi Perbankan Indonesia (LSPP) (2021). Indonesian Banking Professional Certification Institute (LSPP) (2021).
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Asep Dani Fadilah
Sekretaris Komite/ Pemimpin Divisi Manajemen Risiko Kredit,
Pasar & Terintegrasi /
Committee Secretary/ Head of Credit, Market and Integrated
Risk Management Division
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Kuningan, 1 Juni pada tahun 1971, usia 52 tahun per Born in Kuningan, June 1 in 1971, 52 years old as of December
Desember 2022. 2022.
Riwayat Pendidikan Educational Background
• Sarjana Ekonomi, STIE Kuningan tahun 2000 • Bachelor of Economics, STIE Kuningan in 2000
• Magister Manajemen, STIE Ganesha tahun 2003 • Master of Management, STIE Ganesha in 2003
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Manajemen Risiko Kredit, Pasar & Served as Head of Credit, Market and Integrated Risk Management Division
Terintegrasi sejak 2023 s.d saat ini berdasarkan Surat Keputusan Direksi No. from 2023 until now based on Directors’ Decree No. 0285/SK/DIR-HCA/2023.
0285/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 1991 dengan riwayat jabatan sebagai berikut: Joined bank bjb since 1991 with the following position history:
• Pemimpin Divisi Manajemen Risiko sejak 2019 hingga 2023 • Head of Risk Management Division from 2019 to 2023
• Pemimpin Divisi Hukum sejak Desember 2018 hingga Juli 2019 • Head of Legal Division from December 2018 to July 2019
• Pemimpin Divisi Manajemen Anak Perusahaan sejak Oktober 2018 • Head of Subsidiary Management Division from October 2018 to
hingga Desember 2018 December 2018
• Pemimpin Divisi Umum sejak Mei 2017 hingga Oktober 2018 • Head of General Division from May 2017 to October 2018
Periode dan Masa Jabatan Period of Service
2023 - saat ini 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
• PECB ISO 37301 • PECB ISO 37301
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 851
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TATA KELOLA
PERUSAHAAN
Yuddy Renaldi
Direktur Utama /Anggota Tidak Tetap /
President Director/Non-Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Tangerang Selatan South Tangerang
Lahir di Bogor pada tahun 1964, usia 59 tahun per Desember Born in Bogor in 1964, 59 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Ekonomi Akuntansi dari Universitas Trisakti Jakarta (1990). • Bachelor of Economics in Accounting from Trisakti University, Jakarta
• Master bidang Manajemen dari STIE IPWI Jakarta (2000). (1990).
• Master of Management from STIE IPWI Jakarta (2000).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur Utama bank bjb untuk pertama kalinya Appointed as President Director of bank bjb for the first time based on
berdasarkan RUPS Tahunan No. 87 tanggal 30 April 2019 yang perubahannya Annual GMS No. 87 dated April 30, 2019, the amendments of which are
ditetapkan berdasarkan Akta No. 42 tanggal 13 Desember 2019. stipulated based on Deed no. 42 dated December 13, 2019.
Pengalaman Kerja Work Experience
• Group Head Subsidiaries Management Bank Mandiri (2016 – 2017). • Group Head Subsidiaries Management Bank Mandiri (2016 – 2017).
• Senior Executive Vice President Remedial & Recovery Bank BNI (2017- • Senior Executive Vice President Remedial & Recovery Bank BNI (2017-
2019). 2019).
• Direktur Utama bank bjb (2019 – saat ini). • President Director of bank bjb (2019 – present).
Periode dan Masa Jabatan Period of Service
30 April 2019 – saat ini (periode pertama). April 30, 2019 – present (first period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh IBI dan LSPP (2019). Level 7 Risk Management Certification by IBI and LSPP (2019).
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Nia Kania
Direktur Keuangan/Anggota Tetap /
Director of Finance/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1966, usia 57 tahun per Desember Born in Bandung in 1966, 57 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana Bidang Ekonomi dari Universitas Padjadjaran Bandung (1990). • Bachelor of Economics from Padjadjaran University, Bandung (1990).
• Master Bidang Hukum dari Universitas Padjadjaran Bandung (2020) • Master of Law from Padjadjaran University Bandung (2020)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Akta Appointed as Director of bank bjb for the first time based on EGMS Deed
RUPSLB No. 221 tanggal 19 Desember 2014. Diangkat kembali berdasarkan No. 221 dated December 19, 2014. Reappointed based on Annual GMS
Akta RUPS Tahunan No. 105 tanggal 28 Februari 2018. Kemudian diangkat Deed No. 105 dated February 28, 2018. Then reappointed based on Annual
kembali berdasarkan Akta RUPS Tahunan No. 154 tanggal 30 Maret 2022. GMS Deed No. 154 dated March 30, 2022.
Pengalaman Kerja Work Experience
• Direktur Utama Dana Pensiun bank bjb (2013-2014). • President Director of bank bjb Pension Fund (2013-2014).
• Pemimpin Divisi Jaringan dan Layanan bank bjb (2014). • Head of bank bjb Network and Services Division (2014).
• Direktur Keuangan bank bjb (2014-2018). • Director of Finance at bank bjb (2014-2018).
• Direktur Keuangan dan Manajemen Risiko bank bjb (2018 – 2021). • Director of Finance and Risk Management bank bjb (2018 – 2021).
• Direktur Keuangan bank bjb (2021 – saat ini). • Director of Finance bank bjb (2021 – present).
Periode dan Masa Jabatan Period of Service
• 19 Desember 2014 – Penutupan RUPS tahun 2018 (periode pertama). • December 19, 2014 – Closing of the 2018 GMS (first period).
• 28 Februari 2018 – Penutupan RUPS Tahun 2021 (periode kedua). • February 28, 2018 – Closing of the 2021 GMS (second period).
• 30 Maret 2022 – saat ini (periode ketiga). • March 30, 2022 – present (third period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh LSPP (2020). Level 7 Risk Management Certification by LSPP (2020).
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 853
Page 345
TATA KELOLA
PERUSAHAAN
Suartini
Direktur Konsumer & Ritel/Anggota Tetap /
Director of Consumer & Retail/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1968, usia 55 tahun per Desember Born in Bandung in 1968, 55 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
Sarjana Bidang Statistika dari Universitas Padjadjaran Bandung (1993). Bachelor of Statistics from Padjadjaran University, Bandung (1993).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Akta Appointed as Director of bank bjb for the first time based on EGMS Deed
RUPSLB No. 221 tanggal 19 Desember 2014. Diangkat kembali berdasarkan No. 221 dated December 19, 2014. Reappointed based on Annual GMS
Akta RUPS Tahunan No. 105 tanggal 28 Februari 2018. Kemudian diangkat Deed No. 105 dated February 28, 2018. Then reappointed based on Annual
kembali berdasarkan Akta RUPS Tahunan No. 154 tanggal 30 Maret 2022. GMS Deed No. 154 dated March 30, 2022.
Pengalaman Kerja Work Experience
• Direktur Komersial bank bjb (2014-2018). • Commercial Director of bank bjb (2014-2018).
• Direktur Konsumer dan Ritel bank bjb (2018). • Director of Consumer and Retail bank bjb (2018).
• Direktur Konsumer dan Ritel yang melaksanakan tugas sebagai Direktur • Director of Consumer and Retail who carries out duties as Director of
Komersial dan Usaha Mikro Kecil dan Menengah bank bjb (2018). Commercial and Micro small and Medium Enterprises bank bjb (2018).
• Direktur Konsumer & Ritel bank bjb (2018 – saat ini). • Director of Consumer & Retail bank bjb (2018 – present).
Periode dan Masa Jabatan Period of Service
• 19 Desember 2014 – Penutupan RUPS tahun 2018 (periode pertama). • December 19, 2014 – Closing of the 2018 GMS (first period).
• 28 Februari 2018 – Penutupan RUPS Tahun 2021 (periode kedua). • February 28, 2018 – Closing of the 2021 GMS (second period).
• 30 Maret 2022 – saat ini (periode ketiga). • March 30, 2022 – present (third period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh IBI (2018). Level 7 Risk Management Certification by IBI (2018).
Laporan Tahunan 2023
854 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 346
CORPORATE
GOVERNANCE
Nancy Adistyasari
Direktur Komersial & Usaha Mikro Kecil dan Menengah (UMKM) /
Anggota Tetap /
Director of Commercial & Micro, Small and Medium Enterprises (MSMEs)
/ Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bojonegoro pada tahun 1981, usia 42 tahun per Desember Born in Bojonegoro in 1981, 42 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
Sarjana Bidang Geofisika dan Meteorologi dari Institut Teknologi Bandung Bachelor of Geophysics and Meteorology from the Bandung Institute of
(2004). Technology (2004).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Appointed as Director of bank bjb for the first time based on the
Akta RUPS Luar Biasa Nomor 03 tanggal 01 September 2020. Extraordinary GMS Deed Number 03 dated September 1, 2020.
Pengalaman Kerja Work Experience
• Vice President Sector Energy Department Corporate Banking Bank • Vice President Sector Energy Department Corporate Banking Bank
Mandiri (2016 - 2019). Mandiri (2016 - 2019).
• Senior Vice President Commercial Banking 5 Group Bank Mandiri (2019 • Senior Vice President Commercial Banking 5 Group Bank Mandiri (2019
- 2020). - 2020).
• Direktur Komersial dan Usaha Mikro Kecil dan Menengah bank bjb • Director of Commercial and Micro small and Medium Enterprises bank
(2020 – saat ini). bjb (2020 – present).
Periode dan Masa Jabatan Period of Service
1 September 2020 – saat ini (periode pertama). September 1, 2020 – present (first period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh LSPP (2020). Level 7 Risk Management Certification by LSPP (2020).
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 855
Page 347
TATA KELOLA
PERUSAHAAN
Tedi Setiawan
Direktur Operasional/Anggota Tetap /
Director of Operations/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1966, usia 57 tahun per Desember Born in Bandung in 1966, 57 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Administrasi Negara dari Universitas Parahyangan • Bachelor’s degree in Public Administration from Parahyangan University,
Bandung (1991). Bandung (1991).
• Master bidang Manajemen Keungan dari Universitas Pasundan Bandung • Master in Financial Management from Pasundan University Bandung
(2017). (2017).
• Doktor bidang Manajemen di Universitas Pendidikan Indonesia Bandung • Doctorate in Management at Indonesian Education University Bandung
(2023) (2023)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Appointed as Director of bank bjb for the first time based on Annual GMS
RUPS Tahunan No. 87 tanggal 30 April 2019 yang perubahannya ditetapkan No. 87 dated April 30, 2019, the amendments of which are stipulated based
berdasarkan Akta No. 42 tanggal 13 Desember 2019. on Deed no. 42 dated December 13, 2019.
Pengalaman Kerja Work Experience
• Pemimpin Divisi Perencanaan Strategis (2015-2018). • Head of Strategic Planning Division (2015-2018).
• Senior Executive Vice President Credit Risk (2018-2019). • Senior Executive Vice President Credit Risk (2018-2019).
• Direktur Operasional bank bjb (2019 – saat ini). • Operational Director of bank bjb (2019 – present).
Periode dan Masa Jabatan Period of Service
30 April 2019 – saat ini (periode pertama). April 30, 2019 – present (first period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh BSMR (2020). Level 7 Risk Management Certification by BSMR (2020).
Laporan Tahunan 2023
856 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 348
CORPORATE
GOVERNANCE
Rio Lanasier
Direktur Information Technology, Treasury & International Banking /
Anggota Tetap /
Director of Information Technology, Treasury & International Banking /
Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Selatan South Jakarta
Lahir di Tangerang pada tahun 1975, usia 48 tahun per Desember Born in Tangerang in 1975, 48 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Teknik Sipil dari Universitas Katolik Parahyangan Bandung • Bachelor’s degree in Civil Engineering from Parahyangan Catholic
(1998). University, Bandung (1998).
• Master bidang Civil & Environment Engineering dari University of New • Master in Civil & Environmental Engineering from the University of New
South Wales Sydney Australia (2000). South Wales Sydney Australia (2000).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Appointed as Director of bank bjb for the first time based on Annual GMS
RUPS Tahunan No. 87 tanggal 30 April 2019 yang perubahannya ditetapkan No. 87 dated April 30, 2019, the amendments of which are stipulated based
berdasarkan Akta No. 42 tanggal 13 Desember 2019. on Deed no. 42 dated December 13, 2019.
Pengalaman Kerja Work Experience
• Direktur Treasury, Financial Institution, Funding & Fintech Solution • Director of Treasury, Financial Institutions, Funding & Fintech Solutions
(2016-2019). (2016-2019).
• Direktur Information Technology, Treasury & International Banking bank • Director of Information Technology, Treasury & International Banking
bjb (2019 – saat ini). bank bjb (2019 – present).
Periode dan Masa Jabatan Period of Service
30 April 2019 – saat ini (periode pertama). April 30, 2019 – present (first period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh LSPP (2019). Level 7 Risk Management Certification by LSPP (2019).
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 857
Page 349
TATA KELOLA
PERUSAHAAN
Joko Hartono Kalisman
Kepala Satuan Kerja Audit Internal/Anggota Tetap /
Head of Internal Audit Work Unit/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung, 25 Januari 1973, usia 50 tahun per Desember Born in Bandung, January 25, 1973, 50 years old as of December
2023. 2023
Riwayat Pendidikan Educational Background
• Sarjana Akuntansi, Universitas Padjadjaran tahun 2002 • Bachelor of Accounting, Padjadjaran University in 2002
• Magister Manajemen, Universitas Padjadjaran tahun 2006 • Master of Management, Padjadjaran University in 2006
• Doktor Manajemen, Universitas Padjadjaran tahun 2019 • Doctor of Management, Padjadjaran University in 2019
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Satuan Kerja Audit Internal s berdasarkan Surat Served as Head of the Internal Audit Work Unit based on Directors’ Decree
Keputusan Direksi No. 1516/SK/DIR-HC/2018. No. 1516/SK/DIR-HC/2018.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 1997 dengan riwayat jabatan sebagai berikut: Joined bank bjb since 1997 with the following position history:
• Pemimpin Satuan Kerja Audit Internal sejak Desember 2018 hingga saat • Head of the Internal Audit Work Unit from December 2018 until now
ini
• Pemimpin Divisi KPR dan KPB sejak Oktober 2018 hingga Desember • Head of the KPR and KPB Division from October 2018 to December
2018 2018
• CEO Regional 5 sejak Mei 2017 hingga Oktober 2018 • CEO Regional 5 from May 2017 to October 2018
• Pemimpin Kantor Cabang Utama Bandung sejak Mei 2016 hingga Mei • Head of Bandung Main Branch Office from May 2016 to May 2017
2017
Periode dan Masa Jabatan Period of Service
26 Desember 2018 - saat ini December 26, 2018 - currently
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• ISO 37301:2021 – Sistem Manajemen Kepatuhan • ISO 37301:2021 – Compliance Management Systems
• General Banking Level 3 • General Banking Level 3
• Qualified Internal Auditor • Qualified Internal Auditor
• Chartered Accountant • Chartered Accountant
• Certified Anti Fraud Manager • Certified Anti Fraud Manager
• ISO 37001 Anti-Bribery Certification • ISO 37001 Anti-Bribery Certification
• Prince2 Foundation • Prince2 Foundation
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
• IIAP • IIAP
Laporan Tahunan 2023
858 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 350
CORPORATE
GOVERNANCE
Deden Hilman
Pemimpin Divisi Kepatuhan & APU-PPT/Anggota Tetap /
Head of Compliance and AML CFT Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung, 26 Februari 1974, Per 31 Desember 2023 Born in Bandung, February 26, 1974, As of December 31 2023
berusia 50 tahun. 50 years old.
Riwayat Pendidikan Educational Background
• Sarjana Hukum dari Universitas Padjadjaran pada tahun 1998. • Degree in Law from Padjadjaran University in 1998.
• Magister bidang Hukum Ekonomi & Bisnis dari Universitas Padjadjaran • Masters in Economics & Business Law from Padjadjaran University
Bandung pada tahun 2010. Bandung in 2010.
Dasar Hukum Pengangkatan Legal Basis for Appointment
Berdasarkan Surat Keputusan Direksi No. 0285/SK/DIR-HCA/2023. Based on Directors’ Decree No. 0285/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 11 September 2001 dengan riwayat jabatan Joined bank bjb since September 11 2001 with a history of positions
antara lain: including:
• Pemimpin Cabang Purwakarta sejak 15 Oktober 2018 hingga 27 Januari • Head of Purwakarta Branch from October 15 2018 to January 27 2020
2020
• Pemimpin Cabang Depok sejak 10 Februari 2020 hingga 15 Januari • Head of Depok Branch from February 10, 2020 to January 15, 2021
2021
• Deputi CEO Regional 5 sejak 01 Februari 2021 hingga 01 Agustus 2023 • Deputy CEO Regional 5 from 01 February 2021 to August 1, 2023
• Pemimpin Divisi Kepatuhan & APU PPT sejak tanggal 01 September • Head of Compliance & AML CFT Division from September 1, 2023 until
2023 hingga sekarang now
Periode dan Masa Jabatan Period of Service
01 September 2023 - saat ini September 01, 2023 - current
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 6 Level 6 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 859
Page 351
TATA KELOLA
PERUSAHAAN
PELATIHAN ANGGOTA KOMITE MANAJEMEN RISIKO TRAINING OF RISK MANAGEMENT COMMITTEE
MEMBERS
Pelatihan yang telah diikuti anggota komite selama tahun 2023 The trainings that have been attended by committee members
adalah sebagai berikut. during 2023 are as follows.
Nama Jabatan Pelatihan
Name Position Training
Cecep Trisna Ketua Komite Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Committee Chair It can be seen in the Board of Directors Competency Training/Development section
Asep Dani Fadillah Sekretaris Komite Leaders Talk: Leading Successful Business
Committee Secretary Leaders Talk: Leading Successful Business
Executive Workshop Tahun 2023: Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai
Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkualitas
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023
Commitments Through Fee Based Income Quality Credit
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif\
Executive Workshop 2023 Be One: United, Compact, Collaborative
Pengenalan Digital
Digital Introduction
Climate Risk Stress Testing (CRST)
Climate Risk Stress Testing (CRST)
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Implementasi Business Continuity Management System Di Perusahaan Sesuai Dengan ISO
22301:2019
Implementation of the Business Continuity Management System in the Company in
accordance with ISO 22301:2019
Workshop Tantangan Dan Peluang Profesi Manajemen Risiko Dalam Pencapaian Tujuan
Keuangan Berkelanjutan
Workshop on Challenges and Opportunities for the Risk Management Profession in Achieving
Sustainable Financial Goals
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi Dan Keunggulan
Kompetitif
Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive Advantage
Program ISO 31000 Standar Internasional Manajemen Risiko Fundamental ERM
ISO 31000 Program International Standard for ERM Fundamental Risk Management
Leaders Talk: Leading Successful Business
Leaders Talk: Leading Successful Business
Yuddy Renaldi Anggota Tidak Tetap Dengan
Hak Suara Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Non-Permanent Members With It can be seen in the Board of Directors Competency Training/Development section
Voting Rights
Nia Kania Anggota Tidak Tetap Dengan
Hak Suara Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Non-Permanent Members With It can be seen in the Board of Directors Competency Training/Development section
Voting Rights
Suartini Anggota Tidak Tetap Dengan
Hak Suara Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Non-Permanent Members With It can be seen in the Board of Directors Competency Training/Development section
Voting Rights
Nancy Adistyasari Anggota Tidak Tetap Dengan
Hak Suara Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Non-Permanent Members With It can be seen in the Board of Directors Competency Training/Development section
Voting Rights
Tedi Setiawan Anggota Tidak Tetap Dengan
Hak Suara Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Non-Permanent Members With It can be seen in the Board of Directors Competency Training/Development section
Voting Rights
Laporan Tahunan 2023
860 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 352
CORPORATE
GOVERNANCE
Nama Jabatan Pelatihan
Name Position Training
Rio Lanasier Anggota Tidak Tetap Dengan
Hak Suara Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Non-Permanent Members With It can be seen in the Board of Directors Competency Training/Development section
Voting Rights
Joko Hartono Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Kalisman Maintenance/Refreshment of Risk Management Certification
Anggota Tidak Tetap Dengan
Hak Suara Pembaruan Sertifikasi Prince2
Non-Permanent Members With Prince2 Certification Update
Voting Rights
Program Pemeliharaan/ Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Level 7 Risk Management Certification Maintenance/Refreshment Program
Deden Hilman Program ISO 31000 Standar Internasional Manajemen Risiko Fundamental ERM
Anggota Tidak Tetap Dengan
Hak Suara ISO 31000 Program International Standard for ERM Fundamental Risk Management
Non-Permanent Members With
Sertifikasi CAFM (Certified Anti Fraud Manager)
Voting Rights
CAFM Certification (Certified Anti Fraud Manager)
PERNYATAAN INDEPENDENSI KOMITE MANAJEMEN INDEPENDENCE STATEMENT OF RISK MANAGEMENT
RISIKO COMMITTEE
Seluruh anggota komite tidak memiliki afiliasi dengan Direktur All committee members had no affiliation with Other Directors,
Lainnya, Komisaris maupun Pemegang Saham Pengendali, Commissioners or Controlling Shareholders, and were not
bukan merupakan pemegang saham Perseroan yang dapat shareholders of the Company which might affect their ability to
mempengaruhi kemampuannya untuk bertindak independen, act independently, and were not Commissioners, Directors or
Komisaris, Direktur maupun karyawan dari perusahaan yang employees of companies that had affiliation or business with the
memiliki afiliasi maupun bisnis dengan Perseroan. Company.
RAPAT DAN PELAKSANAAN TUGAS KOMITE MEETINGS AND IMPLEMENTATION OF RISK
MANAJEMEN RISIKO MANAGEMENT COMMITTEE TASKS
Selama tahun 2023, Komite Manajemen Risiko telah melaksanakan During 2023, the Risk Management Committee carried out its
tugasnya dengan menyelenggarakan rapat sebanyak 8 (delapan) duties by holding 8 (eight) meetings, with the following agenda:
kali, dengan agenda sebagai berikut:
Tanggal Agenda
No.
Date Agenda
1 9 Januari 2023 Pembahasan Limit Switching Portofolio Guidelines Segmen Korporasi dan Komersial
January 9, 2023 Discussion of Limit Switching Portfolio Guidelines for Corporate and Commercial Segments
2 18 Januari 2023 Pembahasan Tingkat Kesehatan Bank Secara Individu Posisi Desember Tahun 2022
January 18, 2023 Discussion of Individual Bank Soundness Levels for the Position of December 2022
3 24 Maret 2023 • Risk Apetite Statement dan Risk Tolerance terkait Teknologi Informasi
March 24, 2023 • Limit kewenangan memutus biaya operasional
• Portofolio Guideline Segmen Korporasi dan Komersial
• Risk Appetite Statement and Risk Tolerance related to Information Technology
• The authority limit determines operational costs
• Corporate and Commercial Segment Guideline Portfolio
4 17 April 2023 Profil Risiko Bank secara Individu Posisi TW I Tahun 2023
April 17, 2023 Individual Bank Risk Profile for the Position of the First Quarter of 2023
5 17 Juli 2023 Pembahasan Tingkat Kesehatan Bank Secara Individu Semester I Tahun 2023
July 17, 2023 Discussion of Individual Bank Soundness Level for Semester I of 2023
6 25 September 2023 • Risk Apetitte Statement dan Risk Tolerance
September 25, 2023 • Limit Switching Credit Portofolio Guideline Segmen Korporasi
• Risk Appetite Statement and Risk Tolerance
• Limit Switching Credit Portfolio Guideline for Corporate Segment
7 16 Oktober 2023 Pembahasan Profil Risiko Bank secara Individu Posisi 30 September 2023
October 16, 2023 Discussion of individual bank risk profiles as of September 30, 2023
8 18 Oktober 2023 Pembahasan Profil Risiko Bank secara Individu Posisi 30 September 2023
October 18, 2023 Discussion of individual bank risk profiles as of September 30, 2023
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 861
Page 353
TATA KELOLA
PERUSAHAAN
Komite Kebijakan Perkreditan Credit Policy Committee
Berdasarkan Surat Keputusan Direksi bank bjb Nomor 1367/ Based on the decree of the Directors of bank bjb No. 1367/SK/
SK/DIR-KPR/2019 tanggal 31 Desember 2019 tentang Pedoman DIR-KPR/2019 dated December 31, 2019 concerning the Credit
Kerja Komite Kebijakan Perkreditan (KKP), Komite Kebijakan Policy Committee (KKP) or the Credit Policy Committee (CPC)
Perkreditan (KKP) atau Credit Policy Committee (CPC) bertugas in charge of assisting the management in formulating policies,
untuk membantu Manajemen dalam merumuskan Kebijakan, overseeing policy implementation, monitor the development
mengawasi pelaksanaan kebijakan, memantau perkembangan and condition of the loan portfolio and provide suggestions for
dan kondisi portofolio perkreditan serta memberikan saran-saran corrective measures.
langkah perbaikan.
STRUKTUR DAN KEANGGOTAAN KOMITE STRUCTURE AND MEMBERSHIP OF THE CREDIT
KEBIJAKAN PERKREDITAN POLICY COMMITTEE
Susunan Diisi oleh
Arrangement Filled by
Ketua Direktur Utama
Chairman President Director
Sekretaris Pemimpin Unit Kebijakan & Prosedur
Secretary Head of Policy & Procedure Unit
Sekretaris Pengganti (Alternatif I) Pemimpin Satuan Kerja Credit Risk
Alternate Secretary (First Alternate) Head of Credit Risk Work Unit
Sekretaris Pengganti (Alternatif II) Pemimpin Divisi Manajemen Risiko
Alternate Secretary (Second Alternate) Head of Risk Management Division
Anggota Tetap Dengan Hak Suara 1. Direktur Utama
Permanent Members With Voting Rights 2. Direktur yang membidangi perkreditan
3. Direktur yang membidangi Credit Risk
4. Direktur yang membidangi Operasional
5. SEVP yang membidangi bisnis perkreditan sesuai segmen.
6. SEVP Credit Risk
1. President Director
2. Director in charge of credit
3. Director in charge of Credit Risk
4. Director in charge of Operations
5. SEVP in charge of credit business according to segment.
6. SEVP Credit Risk
Anggota Tetap Tanpa Hak Suara 1. Pemimpin Satuan Kerja Audit Internal atau pejabat bidang Audit Internal
Permanent Members Without Voting Rights 2. Pemimpin Divisi Kepatuhan atau perwakilan yang ditunjuk wajib hadir alam
Komite Kebijakan Perkreditan
3. Pemimpin Satuan Kerja yang terkait dengan bisnis perkreditan
4. Pemimpin Satuan Kerja yang terkait dengan operasional perkreditan.
5. Pemimpin Satuan Kerja Manajemen Risiko
6. Pemimpin Satuan Kerja Manajemen Risiko yang melakukan pengambilan
keputusan bisnis perkreditan.
7. Sekretaris
1. Head of the Internal Audit Unit or an official in the field of Internal Audit
2. The Head of the Compliance Division or a designated representative must
be present at the Credit Policy Committee
3. Head of Work Unit related to credit business
4. Head of Work Units related to credit operations.
5. Leader of the Risk Management Work Unit
6. Leader of the Risk Management Unit who makes credit business decisions.
7. Secretary
Laporan Tahunan 2023
862 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 354
CORPORATE
GOVERNANCE
Susunan Diisi oleh
Arrangement Filled by
Anggota Tidak Tetap Dengan Hak Suara Direksi*/SEVP terkait materi yang hadir sebagai undangan.
Non-Permanent Members With Voting Rights Board of Directors*/SEVP regarding the material that was present as an invitee.
*kecuali Direktur yang membidangi kepatuhan.
*except the Director in charge of compliance
Anggota Tidak Tetap Tanpa Hak Suara Direksi/Pemimpin Divisi/Pemimpin Unit yang diundang terkait dengan materi
Anggota Tidak Tetap Tanpa Hak Suara yang menjadi agenda KKP.
Directors/Division Heads/Unit Leaders invited are related to the material on the
KKP agenda
TUGAS, WEWENANG, DAN TANGGUNG JAWAB DUTIES, AUTHORITIES, AND RESPONSIBILITIES OF
KOMITE KEBIJAKAN PERKREDITAN THE CREDIT POLICY COMMITTEE
Tugas, wewenang dan tanggung jawab Komite Kebijakan The duties, authorities and responsibilities of the Credit Policy
Perkreditan sebagai berikut: Committee are as follows:
1. Memberikan masukan kepada Direksi dalam penyusunan 1. Providing input to the Directors in the formulation of
Kebijakan Perkreditan Bank (KPB), terutama yang berkaitan Bank Credit Policies (KPB), especially those relating to the
dengan perumusan prinsip kehati-hatian dalam perkreditan. formulation of prudential principles in credit.
2. Mengawasi agar KPB dapat diterapkan dan dilaksanakan 2. Supervising that KPB could be applied and implemented
secara konsisten, serta merumuskan pemecahan masalah consistently, and formulate solutions to problems in the
dalam hal terdapat hambatan atau kendala dalam penerapan event of obstacles or obstacles in the implementation of CDE.
KPB. Selanjutnya Komite Kebijakan Perkreditan juga Furthermore, the Credit Policy Committee also conducted
melakukan kajian berkala terhadap KPB dan memberikan periodic reviews of KPB and provided advice to the Directors
saran kepada Direksi dalam hal diperlukan perubahan atau in the event that changes or improvements to the KPB are
perbaikan KPB. needed.
3. Menyetujui Limit Kewenangan Memutus Kredit dan Limit 3. Approving the Authority Limit for Credit Decision and the
Kewenangan Restrukturisasi Kredit. Limit on the Authority for Credit Restructuring.
4. Memantau dan mengevaluasi: 4. Monitoring and evaluating.
a. Perkembangan dan kualitas portofolio perkreditan secara a. The development and quality of the credit portfolio as a
keseluruhan. whole.
b. Kebenaran pelaksanaan kewenangan memutus kredit. b. The correctness of the exercise of authority to decide on
credit.
c. Kebenaran proses pemberian, perkembangan dan kualitas c. The correctness of the process of granting, development
kredit yang diberikan kepada pihak terkait dengan Bank and quality of credit extended to parties related to the
dan debitur besar tertentu. Bank and certain large debtors.
d. Kebenaran pelaksanaan ketentuan BMPK. d. The correctness of the implementation of the LLL
e. Ketaatan terhadap ketentuan peraturan perundang- provisions.
undangan dan peraturan lain dalam pelaksanaan e. Compliance with statutory provisions and other
pemberian kredit. regulations in the implementation of credit extension.
f. Penyelesaian kredit bermasalah sesuai yang ditetapkan f. Settlement of non-performing loans as stipulated in the
dalam KPB. KPB.
g. Upaya Bank dalam memenuhi kecukupan jumlah g. The Bank’s efforts to meet the adequacy of the allowance
penyisihan penghapusan kredit. for credit write-offs.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 863
Page 355
TATA KELOLA
PERUSAHAAN
PROFIL ANGGOTA KOMITE KEBIJAKAN PERKREDITAN PROFILE OF MEMBERS OF THE CREDIT POLICY
COMMITTEE
Yuddy Renaldi
Direktur Utama /Ketua /
President Director/Chairman
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Tangerang Selatan South Tangerang
Lahir di Bogor pada tahun 1964, usia 59 tahun per Desember Born in Bogor in 1964, 59 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Ekonomi Akuntansi dari Universitas Trisakti Jakarta (1990). • Bachelor of Economics in Accounting from Trisakti University, Jakarta
• Master bidang Manajemen dari STIE IPWI Jakarta (2000). (1990).
• Master of Management from STIE IPWI Jakarta (2000).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur Utama bank bjb untuk pertama kalinya Appointed as President Director of bank bjb for the first time based on
berdasarkan RUPS Tahunan No. 87 tanggal 30 April 2019 yang perubahannya Annual GMS No. 87 dated April 30, 2019, the amendments of which are
ditetapkan berdasarkan Akta No. 42 tanggal 13 Desember 2019. stipulated based on Deed no. 42 dated December 13, 2019.
Pengalaman Kerja Work Experience
• Group Head Subsidiaries Management Bank Mandiri (2016 – 2017). • Group Head of Subsidiaries Management at Bank Mandiri (2016 - 2017).
• Senior Executive Vice President Remedial & Recovery Bank BNI (2017- • Senior Executive Vice President Remedial & Recovery Bank BNI (2017-
2019). 2019).
• Direktur Utama bank bjb (2019 – saat ini). • President Director of bank bjb (2019 – present).
Periode dan Masa Jabatan Period of Service
30 April 2019 – saat ini (periode pertama). April 30, 2019 – present (first period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh IBI dan LSPP (2019). Level 7 Risk Management Certification by IBI and LSPP (2019).
Laporan Tahunan 2023
864 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 356
CORPORATE
GOVERNANCE
Yogy Yatno
Kepala Divisi Manajemen Risiko Operasional/Sekretaris /
Head of Operational Risk Management Division/Secretary
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Cirebon, 24 April 1979, usia 44 tahun per Desember Born in Cirebon, April 24, 1979, 44 years old as of December
2023. 2023.
Riwayat Pendidikan Educational Background
• Sarjana Ekonomi, STIE YPKP tahun 2001 • Bachelor of Economics, STIE YPKP in 2001
• Magister Manajemen, UNPAD tahun 2010 • Master of Management, UNPAD in 2010
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Manajemen Risiko Operasional Served as Head of Operational Risk Management Division based on Directors’
berdasarkan Surat Keputusan Direksi No. 0285/SK/DIR-HCA/2023. Decree No. 0285/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 2002 dengan riwayat jabatan sebagai berikut: Joined bank bjb since 2002 with the following position history:
• Pemimpin Divisi Kebijakan & Prosedur sejak Tahun 2022 hingga Tahun • Head of Policy & Procedures Division from 2022 to 2023
2023
• Pemimpin Divisi Jaringan & Layanan sejak Tahun 2021 hingga Tahun • Head of Network & Services Division from 2021 to 2022
2022
• CEO Regional 1 Sejak Tahun 2020 hingga Tahun 2021 • Regional CEO 1 from 2020 to 2021
Periode dan Masa Jabatan Period of Service
1 September 2023 - saat ini September 1, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 865
Page 357
TATA KELOLA
PERUSAHAAN
Mulyana
Pemimpin Divisi Kebijakan & Prosedur/Sekretaris /
Head of Policy & Procedure Division/Secretary
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 23 Agustus 1971, usia 52 tahun per Desember 2023. Born on August 23, 1971, 52 years old as of December 2023
Riwayat Pendidikan Educational Background
Sarjana di bidang Manajemen dari STIE Inaba Bandung (2001) Bachelor in Management from STIE Inaba Bandung (2001)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Kebijakan & Prosedur sejak Tahun Served as Head of the Policy and Procedures Division from 2023 until now
2023 s.d saat ini berdasarkan Surat Keputusan Direksi No. 0285/SK/DIR- based on Directors’ Decree No. 0285/SK/DIR-HCA/2023.
HCA/2023.
Pengalaman Kerja Work Experience
• Pemimpin Kantor Cabang Cikarang tahun 2023 • Head of Cikarang Branch Office in 2023
• Pemimpin Kantor Cabang Purwakarta tahun 2022 • Head of the Purwakarta Branch Office in 2022
Periode dan Masa Jabatan Period of Service
1 September 2023 - saat ini September 1, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 Level 5 Risk Management Certification
Laporan Tahunan 2023
866 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 358
CORPORATE
GOVERNANCE
Hermawan Mulyana
Pemimpin Divisi Korporasi /Sekretaris Pengganti (Alternatif I) /
Head of Corporate Division / Substitute Secretary (Alternative I)
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 17 Januari 1976, usia 47 tahun per Desember 2023. Born on January 17, 1976, 47 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Manajemen dari Universitas Padjajaran Bandung (2001) • Bachelor in Management from Padjadjaran University Bandung (2001)
• Magister di bidang Manajemen dari STIE Ekuitas (2016) • Masters in Management from STIE Equity (2016)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Pemimpin Divisi Korporasi sejak 2023 s.d saat ini berdasarkan Surat Head of Corporate Division from 2023 to the present based on Directors’
Keputusan Direksi No. 0115/SK/DIR-HCA/2023. Decree No. 0115/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
• Pemimpin Cabang Kebayoran Baru tahun 2017 • Head of Kebayoran Baru Branch in 2017
• Pemimpin Divisi Credit Risk tahun 2021 • Head of Credit Risk Division in 2021
Periode dan Masa Jabatan Period of Service
2 Mei 2023 - saat ini May 2, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 867
Page 359
TATA KELOLA
PERUSAHAAN
Adrianus Ulun
Pemimpin Divisi Credit Risk/Sekretaris Pengganti (Alternatif I) /
Head of Credit Risk Division/Substitute Secretary (Alternative I)
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 6 Desember 1977, usia 46 tahun per Desember 2023. Born on December 6, 1977, 46 years old as of December 2023.
Riwayat Pendidikan Educational Background
Sarjana di bidang Matematika & Ilmu Pengetahuan Alam dari Institut Bachelor in Mathematics & Natural Sciences from the Bandung Institute of
Teknologi Bandung (ITB) (2003) Technology (ITB) (2003)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Credit Risk sejak 2023 s.d saat ini Served as Head of the Credit Risk Division from 2023 until now based on
berdasarkan Surat Keputusan Direksi No. 0115/SK/DIR-HCA/2023. Directors’ Decree No. 0115/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
• Pemimpin Kantor Cabang Medan Tahun 2019 • Head of Medan Branch Office 2019
• Executive Credit Officer Tahun 2021 • Executive Credit Officer in 2021
Periode dan Masa Jabatan Period of Service
2 Mei 2023 - saat ini May 2, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikas Manajemen Risiko Jenjang 6 Level 6 Risk Management Certification
Laporan Tahunan 2023
868 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 360
CORPORATE
GOVERNANCE
Asep Dani Fadilah
Pemimpin Divisi Manajemen Risiko Kredit, Pasar & Terintegrasi/ Sekretaris
Penganti Alt 1 /
Head of Credit, Market and Integrated Risk Management Division/
Alternate Secretary Alt 1
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Kuningan, 1 Juni 1971, usia 52 tahun per Desember 2022 Born in Kuningan, June 1 1971, 52 years old as of December
2022.
Riwayat Pendidikan Educational Background
• Sarjana Ekonomi, STIE Kuningan tahun 2000 • Bachelor of Economics, STIE Kuningan in 2000
• Magister Manajemen, STIE Ganesha tahun 2003 • Master of Management, STIE Ganesha in 2003
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Manajemen Risiko Kredit, Pasar & Served as Head of Credit, Market and Integrated Risk Management Division
Terintegrasi sejak 2023 s.d saat ini berdasarkan Surat Keputusan Direksi No. from 2023 until now based on Directors’ Decree No. 0285/SK/DIR-HCA/2023.
0285/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 1991 dengan riwayat jabatan sebagai berikut: Joined bank bjb since 1991 with the following position history:
• Pemimpin Divisi Manajemen Risiko sejak 2019 hingga 2023 • Head of Risk Management Division from 2019 to 2023
• Pemimpin Divisi Hukum sejak Desember 2018 hingga Juli 2019 • Head of Legal Division from December 2018 to July 2019
• Pemimpin Divisi Manajemen Anak Perusahaan sejak Oktober 2018 • Head of Subsidiary Management Division from October 2018 to
hingga Desember 2018 December 2018
• Pemimpin Divisi Umum sejak Mei 2017 hingga Oktober 2018 • Head of General Division from May 2017 to October 2018
Periode dan Masa Jabatan Period of Service
1 September 2023 - saat ini September 1, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
• PECB ISO 37301 • PECB ISO 37301
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 869
Page 361
TATA KELOLA
PERUSAHAAN
Suartini
Direktur Konsumer & Ritel/Anggota Tetap /
Director of Consumer & Retail/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1968, usia 55 tahun per Desember Born in Bandung in 1968, 55 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
Sarjana Bidang Statistika dari Universitas Padjadjaran Bandung (1993). Bachelor of Statistics from Padjadjaran University, Bandung (1993).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Akta Appointed as Director of bank bjb for the first time based on EGMS Deed
RUPSLB No. 221 tanggal 19 Desember 2014. Diangkat kembali berdasarkan No. 221 dated December 19, 2014. Reappointed based on Annual GMS
Akta RUPS Tahunan No. 105 tanggal 28 Februari 2018. Kemudian diangkat Deed No. 105 dated February 28, 2018. Then reappointed based on Annual
kembali berdasarkan Akta RUPS Tahunan No. 154 tanggal 30 Maret 2022. GMS Deed No. 154 of March 30, 2022.
Pengalaman Kerja Work Experience
• Direktur Komersial bank bjb (2014-2018). • Commercial Director of bank bjb (2014-2018).
• Direktur Konsumer dan Ritel bank bjb (2018). • Director of Consumer and Retail bank bjb (2018).
• Direktur Konsumer dan Ritel yang melaksanakan tugas sebagai Direktur • Director of Consumer and Retail who carries out duties as Director of
Komersial dan Usaha Mikro Kecil dan Menengah bank bjb (2018). Commercial and Micro small and Medium Enterprises bank bjb (2018).
• Direktur Konsumer & Ritel bank bjb (2018 – saat ini). • Director of Consumer & Retail bank bjb (2018 – present).
Periode dan Masa Jabatan Period of Service
• 19 Desember 2014 – Penutupan RUPS tahun 2018 (periode pertama). • December 19, 2014 – Closing of the 2018 GMS (first period).
• 28 Februari 2018 – Penutupan RUPS Tahun 2021 (periode kedua). • February 28, 2018 – Closing of the 2021 GMS (second period).
• 30 Maret 2022 – saat ini (periode ketiga). • March 30, 2022 – present (third period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh IBI (2018). Level 7 Risk Management Certification by IBI (2018).
Laporan Tahunan 2023
870 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 362
CORPORATE
GOVERNANCE
Nia Kania
Direktur Keuangan/Anggota Tetap /
Director of Finance/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1966, usia 57 tahun per Desember Born in Bandung in 1966, 57 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana Bidang Ekonomi dari Universitas Padjadjaran Bandung (1990). • Bachelor of Economics from Padjadjaran University, Bandung (1990).
• Master Bidang Hukum dari Universitas Padjadjaran Bandung (2020) • Master of Law from Padjadjaran University Bandung (2020)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Akta Appointed as Director of bank bjb for the first time based on EGMS Deed
RUPSLB No. 221 tanggal 19 Desember 2014. Diangkat kembali berdasarkan No. 221 dated December 19, 2014. Reappointed based on Annual GMS
Akta RUPS Tahunan No. 105 tanggal 28 Februari 2018. Kemudian diangkat Deed No. 105 dated February 28, 2018. Then reappointed based on Annual
kembali berdasarkan Akta RUPS Tahunan No. 154 tanggal 30 Maret 2022. GMS Deed No. 154 dated March 30, 2022.
Pengalaman Kerja Work Experience
• Direktur Utama Dana Pensiun bank bjb (2013-2014). • President Director of bank bjb Pension Fund (2013-2014).
• Pemimpin Divisi Jaringan dan Layanan bank bjb (2014). • Head of bank bjb Network and Services Division (2014).
• Direktur Keuangan bank bjb (2014-2018). • Director of Finance at bank bjb (2014-2018).
• Direktur Keuangan dan Manajemen Risiko bank bjb (2018 – 2021). • Director of Finance and Risk Management bank bjb (2018 – 2021).
• Direktur Keuangan bank bjb (2021 – saat ini). • Director of Finance bank bjb (2021 – present).
Periode dan Masa Jabatan Period of Service
• 19 Desember 2014 – Penutupan RUPS tahun 2018 (periode pertama). • December 19 2014 – Closing of the 2018 GMS (first period).
• 28 Februari 2018 – Penutupan RUPS Tahun 2021 (periode kedua). • February 28, 2018 – Closing of the 2021 GMS (second period).
• 30 Maret 2022 – saat ini (periode ketiga). • March 30, 2022 – present (third period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh LSPP (2020). Level 7 Risk Management Certification by LSPP (2020).
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 871
Page 363
TATA KELOLA
PERUSAHAAN
Tedi Setiawan
Direktur Operasional/Anggota Tetap /
Director of Operations/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1966, usia 57 tahun per Desember Born in Bandung in 1966, 57 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Administrasi Negara dari Universitas Parahyangan • Bachelor’s degree in Public Administration from Parahyangan University,
Bandung (1991). Bandung (1991).
• Master bidang Manajemen Keungan dari Universitas Pasundan Bandung • Master in Financial Management from Pasundan University Bandung
(2017). (2017).
• Doktor bidang Manajemen di Universitas Pendidikan Indonesia Bandung • Doctorate in Management at Indonesian Education University Bandung
(2023) (2023)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Appointed as Director of bank bjb for the first time based on Annual GMS
RUPS Tahunan No. 87 tanggal 30 April 2019 yang perubahannya ditetapkan No. 87 dated April 30 2019, the amendments of which are stipulated based
berdasarkan Akta No. 42 tanggal 13 Desember 2019. on Deed no. 42 dated December 13, 2019.
Pengalaman Kerja Work Experience
• Pemimpin Divisi Perencanaan Strategis (2015-2018). • Head of Strategic Planning Division (2015-2018).
• Senior Executive Vice President Credit Risk (2018-2019). • Senior Executive Vice President Credit Risk (2018-2019).
• Direktur Operasional bank bjb (2019 – saat ini). • Operational Director of bank bjb (2019 – present).
Periode dan Masa Jabatan Period of Service
30 April 2019 – saat ini (periode pertama). April 30, 2019 – present (first period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh BSMR (2020). Level 7 Risk Management Certification by BSMR (2020).
Laporan Tahunan 2023
872 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 364
CORPORATE
GOVERNANCE
Rio Lanasier
Direktur Information Technology, Treasury & International Banking /
Anggota Tetap /
Director of Information Technology, Treasury & International Banking /
Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Selatan South Jakarta
Lahir di Tangerang pada tahun 1975, usia 48 tahun per Desember Born in Tangerang in 1975, 48 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Teknik Sipil dari Universitas Katolik Parahyangan • Bachelor of Civil Engineering from Parahyangan Catholic University,
Bandung (1998). Bandung (1998).
• Master bidang Civil & Environment Engineering dari University of New • Master of Civil & Environmental Engineering from the University of New
South Wales Sydney Australia (2000). South Wales Sydney Australia (2000).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Appointed as Director of bank bjb for the first time based on Annual GMS
RUPS Tahunan No. 87 tanggal 30 April 2019 yang perubahannya ditetapkan No. 87 dated April 30, 2019, the amendments of which are stipulated based
berdasarkan Akta No. 42 tanggal 13 Desember 2019. on Deed no. 42 dated December 13, 2019.
Pengalaman Kerja Work Experience
• Direktur Treasury, Financial Institution, Funding & Fintech Solution • Director of Treasury, Financial Institutions, Funding & Fintech Solutions
(2016-2019). (2016-2019).
• Direktur Information Technology, Treasury & International Banking bank • Director of Information Technology, Treasury & International Banking
bjb (2019 – saat ini). bank bjb (2019 – present).
Periode dan Masa Jabatan Period of Service
30 April 2019 – saat ini (periode pertama). April 30, 2019 – present (first period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh LSPP (2019). Level 7 Risk Management Certification by LSPP (2019).
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 873
Page 365
TATA KELOLA
PERUSAHAAN
Galis Prasetya
Senior Executive Vice President Credit Risk/Anggota Tetap /
Senior Executive Vice President Credit Risk/ Permanent member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 19 Maret 1971 usia 52 tahun per 31 Desember 2023. Born on March 19 1971, 52 years old as of December 31, 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang ilmu Manajemen dari STIE YPKP Bandung (1999) • Bachelor in Management from STIE YPKP Bandung (1999)
• Magister di bidang ilmu Manajemen Keuangan dari STIE PERBANAS • Master in Financial Management from STIE PERBANAS (2005)
(2005)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Senior Executive Vice President Credit Risk sejak 2019 berdasarkan Surat Senior Executive Vice President Credit Risk since 2019 based on Directors’
Keputusan Direksi No. 0871/SK/DIR-HC/2019. Decree No. 0871/SK/DIR-HC/2019.
Pengalaman Kerja Work Experience
• CEO Regional 3 (April 2019 – Agustus 2019) • Regional CEO 3 (April 2019 – August 2019)
• CEO Regional 1 (Maret 2019 – April 2019) • Regional CEO 1 (March 2019 – April 2019)
Periode dan Masa Jabatan Period of Service
6 Agustus 2019 - saat ini August 6, 2019 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Laporan Tahunan 2023
874 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 366
CORPORATE
GOVERNANCE
Triastoto Hardjanto Wibowo
Pemimpin Divisi KPR & KKB/Anggota Tetap /
Head of KPR & KKB Division/Permanent member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 13 November 1969, usia 54 tahun per Desember 2023 Born on November 13, 1969, 54 years old as of December 2023
Riwayat Pendidikan Educational Background
• Sarjana di bidang Teknik Geologi dari Universitas Gadjah Mada (1994) • Bachelor in Geological Engineering from Gadjah Mada University (1994)
• Magister di bidang Manajemen dari Universitas Gadjah Mada (1996) • Master in Management from Gadjah Mada University (1996)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi KPR & KKB sejak 2021 s.d saat ini Served as Head of KPR & KKB Division from 2021 until now based on
berdasarkan Surat Keputusan Direksi No Surat Keputusan Direksi No. 0039/ Directors’ Decree No. Directors’ Decree No. 0039/SK/DIR-HC/2021.
SK/DIR-HC/2021.
Pengalaman Kerja Work Experience
Pemimpin Divisi Kredit Retail & Konsumer tahun 2016 Head of Retail & Consumer Credit Division in 2016
Periode dan Masa Jabatan Period of Service
1 Februari 2021 - saat ini February 1, 2021 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 875
Page 367
TATA KELOLA
PERUSAHAAN
Yusuf Saadudin
Pemimpin Divisi Kredit Konsumer /Anggota Tetap /
Head of Consumer Credit Division / Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 7 Juni 1973, Usia 50 tahun per Desember 2023. Born on June 7, 1973, 50 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Akuntansi dari Universitas Padjadjaran (1999) • Bachelor in Accounting from Padjadjaran University (1999)
• Magister di bidang Hukum Ekonomi dan Bisnis dari Universitas Pasundan • Masters in Economics and Business Law from Pasundan University
Bandung (2015) Bandung (2015)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Kredit Konsumer sejak 2021 berdasarkan Served as Head of the Consumer Credit Division since 2021 based on
Surat Keputusan Direksi No. 0039/SK/DIR-HC/2021 Directors’ Decree No. 0039/SK/DIR-HC/2021
Pengalaman Kerja Work Experience
• Pemimpin Divisi Kredit Konsumer (Februari 2021 – saat ini) • Head of Consumer Credit Division (February 2021 – present)
• Pemimipn Divisi KPR & KKB (Agustus 2019 – Februari 2021) • Head of KPR & KKB Division (August 2019 – February 2021)
• Pemimpin Divisi Credit Risk (Mei 2017 – Agustus 2019) • Head of Credit Risk Division (May 2017 – August 2019)
Periode dan Masa Jabatan Period of Service
1 Februari 2021 - saat ini February 1, 2021 - currently
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Laporan Tahunan 2023
876 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 368
CORPORATE
GOVERNANCE
Rudy Purwadhi
Pemimpin Divisi Kredit Ritel/Anggota Tetap /
Head of Retail Credit Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 25 Juni 1973, usia 50 tahun per Desember 2023. Born on June 25 1973, 50 years old as of December 2023.
Riwayat Pendidikan Educational Background
Sarjana di bidang Manajemen dari STIE STEMBI Bandung Mada (2014) Bachelor in Management from STIE STEMBI Bandung Mada (2014)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Kredit Ritel sejak 2021 s.d saat ini Served as Head of the Retail Credit Division from 2021 until now based on
berdasarkan Surat Keputusan Direksi No. 0039/SK/DIR-HC/2021 Directors’ Decree No. 0039/SK/DIR-HC/2021
Pengalaman Kerja Work Experience
• Pemimpin Divisi Kredit Ritel (Februari 2021 – saat ini) • Head of Retail Credit Division (February 2021 – present)
• CEO Regional 5 (Agustus 2019 – Februari 2021) • Regional CEO 5 (August 2019 – February 2021)
• Pemimpin Cabang Cikarang (April 2016 – Agustus 2019) • Head of Cikarang Branch (April 2016 – August 2019)
Periode dan Masa Jabatan Period of Service
1 Februari 2021 - saat in February 1, 2021 - currently
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 877
Page 369
TATA KELOLA
PERUSAHAAN
Denny Mulyadi
Pemimpin Divisi Kredit UMKM/Anggota Tetap /
Head of MSME Credit Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 7 Juni 1968, usia 55 tahun per Desember 2023. Born on June 7 1968, 55 years old as of December 2023.
Riwayat Pendidikan Educational Background
Sarjana di bidang Akuntansi dari Universitas Garut (2000) Bachelor in Accounting from Garut University (2000)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Kredit UMKM sejak tahun 2018 s.d saat Served as Head of the MSME Credit Division from 2018 to the present based
ini berdasarkan Surat Keputusan Direksi No. 1135/SK/DIR-HC/2018. on Directors’ Decree No. 1135/SK/DIR-HC/2018.
Pengalaman Kerja Work Experience
• Pemimpin Wilayah Kantor Wilayah 4 tahun 2016 • Regional Leader of Regional Office 4 in 2016
• CEO Regional Kantor Wilayah 4 tahun 2018 • Regional CEO of Region 4 Office in 2018
Periode dan Masa Jabatan Period of Service
10 Oktober 2018 - saat ini October 10, 2018 - currently
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Laporan Tahunan 2023
878 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 370
CORPORATE
GOVERNANCE
Budiatmo Sudradjat
Divisi Penyelamatan & Penyelesaian Kredit/Anggota Tetap /
Credit Rescue & Settlement Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 18 Juni 1979, usia 44 tahun per Desember 2023. Born on June 18, 1979, 44 years old as of December 2023.
Riwayat Pendidikan Educational Background
Sarjana di bidang Akuntansi dari STIE Banten (2008) Bachelor in Accounting from STIE Banten (2008)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Penyelamatan & Penyelesaian Kredit Served as Head of the Credit Rescue & Settlement Division from 2023 until
sejak 2023 s.d saat ini berdasarkan Surat Keputusan Direksi No. 0008/SK/ now based on Directors’ Decree No. 0008/SK/DIR-HCA/2023.
DIR-HCA/2023.
Pengalaman Kerja Work Experience
• Wakil Pemimpin Kantor Cabang Khusus Banten tahun 2018 • Deputy Leader of the Banten Special Branch Office in 2018
• Pemimpin Kantor Cabang Khusus Banten tahun 2020 • Head of Banten Special Branch Office in 2020
Periode dan Masa Jabatan Period of Service
1 Februari 2021 - saat ini February 1, 2021 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 Level 5 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 879
Page 371
TATA KELOLA
PERUSAHAAN
Mohammad Mufti
Executive Business Officer/Anggota Tetap /
Executive Business Officer/ Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 30 Oktober 1974, usia 49 tahun per Desember 2023. Born on October 30 1974, 49 years old as of December 2023
Riwayat Pendidikan Educational Background
Sarjana di bidang Teknik Sipil (1999) Bachelor in Civil Engineering (1999)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Executive Business Officer sejak tahun 2023 s.d saat ini Served as Executive Business Officer from 2023 until now based on Directors’
berdasarkan Surat Keputusan Direksi No. 0115/SK/ DIR-HCA/2023. Decree No. 0115/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
• CEO Regional Kantor Wilayah 2 tahun 2017 • Regional CEO of Regional Office 2 in 2017
• Pemimpin Divisi Komersial tahun 2022 • Head of Commercial Division in 2022
Periode dan Masa Jabatan Period of Service
2 Mei 2023 - saat ini May 2, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• International Certified Wealth Manager (CWM) • International Certified Wealth Manager (CWM)
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
Laporan Tahunan 2023
880 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 372
CORPORATE
GOVERNANCE
Andy Rachman
Pemimpin Divisi Komersial/Anggota Tetap /
Head of Commercial Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 23 Mei 1977, usia 46 tahun per Desember 2023. Born on May 23, 1977, 46 years old as of December 2023.
Riwayat Pendidikan Educational Background
Sarjana di bidang Akuntansi dari STIE Tridharma (1999) Bachelor in Accounting from STIE Tridharma (1999)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Komersial sejak 2023 s.d saat ini Served as Head of the Commercial Division from 2023 until now based on
berdasarkan Surat Keputusan Direksi No. 0115/SK/DIR-HCA/2023. Directors’ Decree No. 0115/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
• Pemimpin Kantor Cabang Utama Bandung Tahun 2020 • Head of Bandung Main Branch Office in 2020
• CEO Regional Kantor Wilayah 1 Tahun 2021 • Regional CEO of Regional Office 1 in 2021
Periode dan Masa Jabatan Period of Service
2 Mei 2023 - saat ini May 2, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 881
Page 373
TATA KELOLA
PERUSAHAAN
Detya Suryadani
Pemimpin Divisi Perencanaan Strategis/Anggota Tetap /
Head of Strategic Planning Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 29 Desember 1979, Usia 44 tahun per Desember 2023. Born on December 29, 1979, 44 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Akuntansi dari Universitas Islam Nusantara (1996) • Bachelor in Accounting from Nusantara Islamic University (1996)
• Magister di bidang Akuntansi dari Universitas Padjadjaran (2003) • Masters in Accounting from Padjadjaran University (2003)
• Magister bidang Administrasi Bisnis dari Institut Teknologi Bandung (ITB) • Master in Business Administration from the Bandung Institute of
(2009) Technology (ITB) (2009)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Perencanaan Strategis sejak 2023 s.d saat Served as Head of the Strategic Planning Division from 2023 until now based
ini berdasarkan Surat Keputusan Direksi No. 0285/SK/DIR-HCA/2023. on Directors’ Decree No. 0285/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
• CEO Regional tahun 2021 • Regional CEO in 2021
• Divisi Kepatuhan & APU-PPT tahun 2021 • Compliance & AML-CFT Division in 2021
Periode dan Masa Jabatan Period of Service
22 September 2023 - saat ini September 22, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• PECB Certified ISO 37301 Lead Implementer Sistem Manajemen • PECB Certified ISO 37301 Lead Implementer of Compliance
Kepatuhan Management Systems
• Sertifikasi Kepatuhan Level 2 • Level 2 Compliance Certification
• Sertifikasi Manajemenen Risiko Jenjang 7 • Level 7 Risk Management Certification
Laporan Tahunan 2023
882 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 374
CORPORATE
GOVERNANCE
Deden Hilman
Pemimpin Divisi Kepatuhan & APU-PPT/Anggota Tetap /
Head of Compliance and AML CFT Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung, 26 Februari 1974, Per 31 Desember 2023 Born in Bandung, February 26, 1974, 50 years old as of December
berusia 50 tahun. 31, 2023.
Riwayat Pendidikan Educational Background
• Sarjana Hukum dari Universitas Padjadjaran pada tahun 1998. • Degree in Law from Padjadjaran University in 1998.
• Magister bidang Hukum Ekonomi & Bisnis dari Universitas Padjadjaran • Masters in Economics & Business Law from Padjadjaran University
Bandung pada tahun 2010. Bandung in 2010.
Dasar Hukum Pengangkatan Legal Basis for Appointment
Berdasarkan Surat Keputusan Direksi No. 0285/SK/DIR-HCA/2023. Based on Directors’ Decree No. 0285/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 11 September 2001 dengan riwayat jabatan Joined bank bjb since September 11, 2001 with a history of positions
antara lain: including:
• Pemimpin Cabang Purwakarta sejak 15 Oktober 2018 hingga 27 Januari • Head of Purwakarta Branch from October 15, 2018 to January 27, 2020
2020
• Pemimpin Cabang Depok sejak 10 Februari 2020 hingga 15 Januari • Head of Depok Branch from February 10, 2020 to January 15, 2021
2021
• Deputi CEO Regional 5 sejak 01 Februari 2021 hingga 01 Agustus 2023 • Deputy CEO for Regional 5 from February 01, 2021 to August 01, 2023
• Pemimpin Divisi Kepatuhan & APU PPT sejak tanggal 01 September • Head of Compliance & AML CFT Division from September 1, 2023 until
2023 hingga sekarang now
Periode dan Masa Jabatan Period of Service
1 September 2023 - saat ini September 1, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 6 Level 6 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 883
Page 375
TATA KELOLA
PERUSAHAAN
Herry Yanson
Pemimpin Divisi Operasi/Anggota Tetap /
Head of Operations Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 10 Oktober 1968, usia 55 tahun per Desember 2023. Born on October 10, 1968, 55 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Akuntansi dari Universitas Mercu Buana (1999) • Bachelor in Accounting from Mercu Buana University (1999)
• Magister di bidang Manajemen dari STIE IPWIJA (2003) • Masters in Management from STIE IPWIJA (2003)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Operasi sejak 2019 berdasarkan Surat Served as Head of Operations Division since 2019 based on Directors’ Decree
Keputusan Direksi No. 0871/SK/DIR-HC/2019. No. 0871/SK/DIR-HC/2019.
Pengalaman Kerja Work Experience
• Pemimpin Divisi Administrasi Kredit dan Bisnis Legal tahun 2018 • Head of Credit Administration and Legal Business Division in 2018
• Pemimpin Divisi KPR & KKB tahun 2018 • Head of the KPR & KKB Division in 2018
Periode dan Masa Jabatan Period of Service
27 Juli 2020 July 27, 2020
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Laporan Tahunan 2023
884 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 376
CORPORATE
GOVERNANCE
Rizani Azhar
Executive Business Officer/Anggota Tetap /
Executive Business Officer/ Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 11 April 1980, usia 43 tahun per Desember 2023. Born on April 11, 1980, 43 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Ekonomi dan Studi Pembangunan dari Universitas • Bachelor in Economics and Development Studies from Padjadjaran
Padjadjaran Bandung (2002) University Bandung (2002)
• Magister di bidang Ekonomi dari Universitas Padjajaran (2011) • Masters in Economics from Padjadjaran University (2011)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Executive Business Officer sejak tahun 2023 s.d saat ini Served as Executive Business Officer from 2023 until now based on Directors’
berdasarkan Surat Keputusan Direksi No. 0285/SK/ DIR-HCA/2023. Decree No. 0285/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
• Pemimpin Deputy CEO Regional Kantor Wilayah 2 tahun 2022 • Head of Regional Deputy CEO for Region 2 Office in 2022
• Pemimpin Divisi International & Transaction Banking tahun 2023 • Head of International & Transaction Banking Division in 2023
Periode dan Masa Jabatan Period of Service
1 September 2023 - saat ini September 1, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 6 Level 6 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 885
Page 377
TATA KELOLA
PERUSAHAAN
Diding Erawan
Pemimpin Divisi International & Transaction Banking/Anggota Tetap /
Head of International & Transaction Banking Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 06 September 1979, usia 44 tahun per Desember Born on September 6, 1979, 44 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
Sarjana di bidang Ilmu Hukum dari Universitas Padjadjaran (2003) • Bachelor in Law from Padjadjaran University (2003)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi International & Transaction Banking sejak Served as Head of the International & Transaction Banking Division from
tahun 2023 s.d saat ini berdasarkan Surat Keputusan Direksi No. 0285/SK/ 2023 until now based on Directors’ Decree No. 0285/SK/DIR-HCA/2023.
DIR-HCA/2023.
Pengalaman Kerja Work Experience
• Pemimpin Grup Business Support tahun 2022 • Head of Business Support Group in 2022
• Pemimpin Grup Trade Finance & Value Chain tahun 2022 • Head of Trade Finance & Value Chain Group in 2022
Periode dan Masa Jabatan Period of Service
1 September 2023 - saat ini September 1, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 Level 5 Risk Management Certification
Laporan Tahunan 2023
886 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 378
CORPORATE
GOVERNANCE
PELATIHAN ANGGOTA KOMITE KEBIJAKAN TRAINING OF MEMBERS OF THE CREDIT POLICY
PERKREDITAN COMMITTEE
Pelatihan yang telah diikuti anggota komite selama tahun 2023 The training that has been attended by committee members
adalah sebagai berikut. during 2023 is as follows.
Nama Jabatan Pelatihan
Name Position Training
Yuddy Renaldy Ketua Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Chairman It can be seen in the Board of Directors Competency Training/Development section
Yogy Yatno Sekretaris Risk Awareness & Mitigation Actions For Current Bank Conditions In Indonesia (Highly Impact Approach)
Secretary (Program Refreshment Sertifikasi Manajemen Risiko
Risk Awareness & Mitigation Actions For Current Bank Conditions In Indonesia (Highly Impact Approach)
(Risk Management Certification Refreshment Program)
Program ISO 31000 Standar Internasional Manajemen Risiko Fundamental ERM
ISO 31000 Program International Standard for ERM Fundamental Risk Management
Seminar Indonesia Risk Management Outlook 2024
Seminar Indonesia Risk Management Outlook 2024
Guide To CSFM Certification & CAFM Examination
Guide To CSFM Certification & CAFM Examination
Mulyana Sekretaris -
Secretary
Hermawan Mulyana Sekretaris Penganti Online Refreshment Sertifikasi Manajemen Risiko Batch 1 Tahun 2023 (Inhouse Training Online)
Alt 1 Online Refreshment Risk Management Certification Batch 1 2023 (Inhouse Online Training)
Alternative Substitute
Secretary 1 Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi Dan Keunggulan Kompetitif
Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive Advantage
Program Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Jenjang
Level Risk Management Certification Maintenance/Refreshment Program
Leaders Talk: Leading Successful Business
Leaders Talk: Leading Successful Business
Executive Workshop Tahun 2023: Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai Komitmen
Tahun 2023 Melalui Fee Based Income Kredit Yang Berkualitas
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023 Commitments
Through Fee Based Income Quality Credit
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Pengenalan Digital
Digital Introduction
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 887
Page 379
TATA KELOLA
PERUSAHAAN
Nama Jabatan Pelatihan
Name Position Training
Adrianus Ulun Sekretaris Penganti Leaders Talk: Leading Successful Business
Alt 1 Leaders Talk: Leading Successful Business
Sekretaris Penganti
Alt 1 Executive Workshop Tahun 2023: Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai Komitmen
Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023 Commitments
Through Fee Based Income Quality Credit
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Pengenalan Digital
Digital Introduction
Asep Dani Fadillah Sekretaris Penganti Leaders Talk : Leading Successful Business
Alt 1 Leaders Talk : Leading Successful Business
Alternative Substitute
Secretary 1 Executive Workshop 2023: Menjaga Momentum Pertumbuhan Bisnis dalam Mencapai Komitmen 2023
Melalui Kredit Berkualitas Fee Based Income
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023 Commitments
Through Fee Based Income Quality Credit
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Pengenalan Digital
Digital Introduction
Climate Risk Stress Testing (CRST)
Climate Risk Stress Testing (CRST)
Pemeliharaan/Penyegaran Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Penerapan Sistem Manajemen Kontinuitas Bisnis di Perusahaan sesuai ISO 22301:2019
Implementation of the Business Continuity Management System in the Company in accordance with
ISO 22301:2019
Workshop Eksekutif Tahun 2023 Satukan Energi untuk Memperkuat Sinergi dan Keunggulan Kompetitif
Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive Advantage
Program ISO 31000 Standar Internasional untuk Manajemen Risiko Fundamental ERM
Program ISO 31000 Standar Internasional untuk Manajemen Risiko Fundamental ERM
Suartini Anggota Tetap dengan Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Hak Suara It can be seen in the Board of Directors Competency Training/Development section
Permanent Members
With Voting Rights
Nia Kania Anggota Tetap dengan Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Hak Suara It can be seen in the Board of Directors Competency Training/Development section
Permanent Members
With Voting Rights
Teddy Setiawan Anggota Tetap dengan Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Hak Suara It can be seen in the Board of Directors Competency Training/Development section
Permanent Members
With Voting Rights
Rio Lanasier Anggota Tetap dengan Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Hak Suara It can be seen in the Board of Directors Competency Training/Development section
Permanent Members
With Voting Rights
Benny Riswandi Anggota Tetap dengan Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi Dan Keunggulan Kompetitif
Hak Suara Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive Advantage
Permanent Members
With Voting Rights
Laporan Tahunan 2023
888 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 380
CORPORATE
GOVERNANCE
Nama Jabatan Pelatihan
Name Position Training
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Pengenalan Digital
Digital Introduction
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Executive Workshop Tahun 2023: Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai Komitmen
Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023 Commitments
Through Fee Based Income Quality Credit
Leaders Talk: Leading Successful Business
Leaders Talk: Leading Successful Business
The 10th International Certified Wealth Manager (CWM) & Continuing Professional Development (Cpd)
The 10th International Certified Wealth Manager (CWM) & Continuing Professional Development (Cpd)
Program Pemeliharaan/ Refreshment Sertifikasi Manajemen Risiko Jenjang
Level Risk Management Certification Maintenance/Refreshment Program
Galis Prasetya Anggota Tetap dengan Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi Dan Keunggulan Kompetitif
Hak Suara Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive Advantage
Permanent Members
With Voting Rights Online Refreshment Sertifikasi Manajemen Risiko Batch 1 Tahun 2023 (Inhouse Training Online)
Online Refreshment Risk Management Certification Batch 1 Year 2023 (Inhouse Online Training)
Seminar Indonesia Financial System Stability Summit 2023: Stabilizing Financial System From The Global
Economic Shockwaves
Indonesia Financial System Stability Summit 2023 Seminar: Stabilizing Financial System From The Global
Economic Shockwavess
Expand Senior Leadership Development Program
Expand Senior Leadership Development Program
Pengenalan Digital
Digital Introduction
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Executive Workshop Tahun 2023: Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai Komitmen
Tahun 2023 Melalui Fee Based Income Kredit Yang Berkualitas
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023 Commitments
Through Fee Based Income Quality Credit
Leaders Talk: Leading Successful Business
Leaders Talk: Leading Successful Business
Program Pemeliharaan/ Refreshment Sertifikasi Manajemen Risiko Jenjang
Level Risk Management Certification Maintenance/Refreshment Program
Triastoto Hardjanto Anggota Tetap Tanpa The 18th Mark Plus Conference 2024
Wibowo Hak Suara The 18th Mark Plus Conference 2024
Permanent Members
Without Voting Rights Executive Leadership Program 2023 Strategic Market Intelligence For Leaders
Executive Leadership Program 2023 Strategic Market Intelligence For Leaders
Leaders Talk: Leading Successful Business
Leaders Talk : Leading Successful Business
Executive Workshop Tahun 2023: Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai Komitmen
Tahun 2023 Melalui Fee Based Income Kredit Yang Berkualitas
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023 Commitments
Through Fee Based Income Quality Credit
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Pengenalan Digital
Digital Introduction
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 889
Page 381
TATA KELOLA
PERUSAHAAN
Nama Jabatan Pelatihan
Name Position Training
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi Dan Keunggulan Kompetitif
Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive Advantage
Yusuf Saadudin Anggota Tetap Tanpa Executive Leadership Program 2023 Strategic Market Intelligence For Leaders
Hak Suara Executive Leadership Program 2023 Strategic Market Intelligence For Leaders
Permanent Members
Without Voting Rights Leaders Talk: Leading Successful Business
Leaders Talk: Leading Successful Business
Executive Workshop Tahun 2023: Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai Komitmen
Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023 Commitments
Through Fee Based Income Quality Credit
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Pengenalan Digital
Digital Introduction
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi Dan Keunggulan Kompetitif
Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive Advantage
Rudy Purwadhi Anggota Tetap Tanpa Program Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Hak Suara Level 7 Risk Management Certification Maintenance/Refreshment Program
Permanent Members
Without Voting Rights Leaders Talk: Leading Successful Business
Leaders Talk: Leading Successful Business
Executive Workshop Tahun 2023: Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai Komitmen
Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai Komitmen
Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Pengenalan Digital
Digital Introduction
Online Refreshment Sertifikasi Manajemen Risiko Batch 1 Tahun 2023 (Inhouse Training Online)
Online Refreshment Risk Management Certification Batch 1 Year 2023 (Inhouse Online Training)
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi Dan Keunggulan Kompetitif
Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive Advantage
Denny Mulyadi Anggota Tetap Tanpa Program Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Hak Suara Level 7 Risk Management Certification Maintenance/Refreshment Program
Permanent Members
Without Voting Rights Setengah Abad Penjaminan Kredit Umkm Berkontribusi Bagi Ekonomi Negeri: Peran Industri Penjaminan
Kredit Dalam Pengembangan UMKM Webinar
Half a Century of MSME Credit Guarantee Contributing to the Country’s Economy: The Role of the
Credit Guarantee Industry in the Development of MSMEs Webinar
Executive Leadership Program 2023 Strategic Market Intelligence For Leaders
Executive Leadership Program 2023 Strategic Market Intelligence For Leaders
Leaders Talk: Leading Successful Business
Leaders Talk: Leading Successful Business
Executive Workshop Tahun 2023: Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai Komitmen
Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023 Commitments
Through Fee Based Income Quality Credit
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Laporan Tahunan 2023
890 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 382
CORPORATE
GOVERNANCE
Nama Jabatan Pelatihan
Name Position Training
Pengenalan Digital
Digital Introduction
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi Dan Keunggulan Kompetitif
Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive Advantage
Budiatmo Sudradjat Anggota Tetap Tanpa Refreshment SMR
Hak Suara Refreshment SMR
Anggota Tetap Tanpa
Hak Suara Leaders Talk: Leading Successful Business
Leaders Talk: Leading Successful Business
Executive Workshop Tahun 2023: Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai Komitmen
Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023 Commitments
Through Fee Based Income Quality Credit
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Pengenalan Digital
Digital Introduction
Mohammad Mufti Anggota Tetap Tanpa Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi Dan Keunggulan Kompetitif
Hak Suara Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive Advantage
Permanent Members
Without Voting Rights
Andy Rachman Anggota Tetap Tanpa Program Pemeliharaan/ Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Hak Suara Level 7 Risk Management Certification Maintenance/Refreshment Program
Permanent Members
Without Voting Rights Carbon Credit & Carbon Trading
Carbon Credit & Carbon Trading
Leaders Talk: Leading Successful Business
Leaders Talk: Leading Successful Business
Executive Workshop Tahun 2023: Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai Komitmen
Tahun 2023 Melalui Fee Based Income Kredit Yang Berkualitas
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023 Commitments
Through Fee Based Income Quality Credit
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Pengenalan Digital
Digital Introduction
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 891
Page 383
TATA KELOLA
PERUSAHAAN
Nama Jabatan Pelatihan
Name Position Training
Detya Suryadani Anggota Tetap Tanpa Seminar Nasional BPD-Si Corporate Digital Culture: Digital Transformation Leader
Hak Suara BPD-SI National Seminar Corporate Digital Culture: Digital Transformation Leader
Anggota Tetap Tanpa
Hak Suara Guide To CAFM Certification & CAFM Examination
Guide To CAFM Certification & CAFM Examination
Leaders Talk: Leading Successful Business
Leaders Talk: Leading Successful Business
Executive Workshop Tahun 2023: Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai Komitmen
Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023 Commitments
Through Fee Based Income Quality Credit
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Pengenalan Digital
Digital Introduction
Suksesor Pemimpin Divisi Succession Plan For Professional Leaders (In House Training Hybrid Learning)
Division Leader Successor Succession Plan For Professional Leaders (In House Training Hybrid Learning)
Webinar Meningkatkan Kolaborasi Perbankan Dalam Rangka Pencegahan Dan Pemberantasan Tppu
Dalam Penyelenggaraan Pemilu Dan Pilkada Yang Berintegritas
Webinar Increases Banking Collaboration in the Context of Preventing and Eradicating TPU in Organizing
Elections and Regional Head Elections with Integrity
Online Refreshment Sertifikasi Manajemen Risiko Batch 1 Tahun 2023 (Inhouse Training Online)
Online Refreshment Risk Management Certification Batch 1 Year 2023 (Inhouse Online Training)
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi Dan Keunggulan Kompetitif
Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive Advantage
Program Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Level 7 Risk Management Certification Maintenance/Refreshment Program
Deden Hilman Anggota Tetap Tanpa Program ISO 31000 Standar Internasional untuk Manajemen Risiko Fundamental ERM
Hak Suara ISO 31000 Program International Standard for ERM Fundamental Risk Management
Permanent Members
Without Voting Rights Sertifikasi CAFM (Certified Anti Fraud Manager)
CAFM Certification (Certified Anti Fraud Manager)
Herry Yanson Anggota Tetap Tanpa Program Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Hak Suara Level 7 Risk Management Certification Maintenance/Refreshment Program
Permanent Members
Without Voting Rights Leaders Talk: Leading Successful Business
Leaders Talk : Leading Successful Business
Executive Workshop Tahun 2023: Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai Komitmen
Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023 Commitments
Through Fee Based Income Quality Credit
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Pengenalan Digital
Digital Introduction
Fraud Asuransi Antara Bisnis & Kejahatan
Insurance Fraud Between Business & Crime
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi Dan Keunggulan Kompetitif
Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive Advantage
Laporan Tahunan 2023
892 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 384
CORPORATE
GOVERNANCE
Nama Jabatan Pelatihan
Name Position Training
Rizani Azhar Anggota Tetap Tanpa Leaders Talk: Leading Successful Business
Hak Suara Leaders Talk: Leading Successful Business
Permanent Members
Without Voting Rights Executive Workshop Tahun 2023: Menjaga Momentum Pertumbuhan Bisnis Dalam Mencapai Komitmen
Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023 Commitments
Through Fee Based Income Quality Credit
Executive Workshop 2023 Be One: Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Pengenalan Digital
Digital Introduction
Sertifikasi Kompetensi Jenjang Kualifikasi SPPUR 6 Setelmen Pembayaran Transaksi Trade Finance
SPPUR Qualification Level Competency Certification 6 Trade Finance Transaction Payment Settlement
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Diding Erawan Anggota Tetap Tanpa Program Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Jenjang 5
Hak Suara Level 5 Risk Management Certification Maintenance/Refreshment Program
Permanent Members
Without Voting Rights
PERNYATAAN INDEPENDENSI KOMITE KEBIJAKAN INDEPENDENCE STATEMENT OF THE CREDIT POLICY
PERKREDITAN COMMITTEE
Seluruh anggota komite tidak memiliki afiliasi dengan Direktur All committee members had no affiliation with Other Directors,
Lainnya, Komisaris maupun Pemegang Saham Pengendali, Commissioners or Controlling Shareholders, and were not
bukan merupakan pemegang saham Perseroan yang dapat shareholders of the Company which might affect their ability to
mempengaruhi kemampuannya untuk bertindak independen, act independently, and were not Commissioners, Directors or
Komisaris, Direktur maupun karyawan dari perusahaan yang employees of companies that had affiliation or business with the
memiliki afiliasi maupun bisnis dengan Perseroan. Company.
RAPAT DAN PELAKSANAAN TUGAS KOMITE MEETINGS AND IMPLEMENTATION OF THE TASKS OF
KEBIJAKAN PERKREDITAN THE CREDIT POLICY COMMITTEE
Komite Kebijakan Perkreditan telah melaksanakan tugas dengan The Credit Policy Committee has carried out its duties by
merumuskan kebijakan, mengawasi pelaksanaan kebijakan, formulating policies, supervising the implementation of policies,
memantau perkembangan dan kondisi portofolio perkreditan monitoring the progress and condition of the credit portfolio
serta memberikan saran-saran langkah perbaikan. Selama tahun and providing suggestions for corrective steps. During 2023,
2023, Komite Kebijakan Perkreditan telah melaksanakan 1 (satu) the Credit Policy Committee has held 1 (one) meetings with the
kali rapat dengan agenda sebagai berikut. following agenda,
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 893
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TATA KELOLA
PERUSAHAAN
Tanggal Agenda
No.
Tanggal Agenda
1 Jumat, 31 April 2023 1. Perubahan Surat Keputusan Komite PT Bank Pembangunan Daerah Jawa Barat dan Banten Nomor
Friday, April 31, 2023 0002/SK/CPC-KPR/2021 Tentang Susunan Komite Credit Line, Susunan Komite Credit Line dan Limit
Kewenangan Memutus Restrukturisasi Credit Line.
2. Perubahan Surat Keputusan Direksi PT Bank Pembangunan Daerah Jawa Barat dan Banten Nomor 0017/
SK/DIR-PPK/2022 Tanggal 22 April 2022 Tentang Ketentuan Stimulus Perekonomian Nasional Dampak
Penyebaran Coronavirus Disease 2019 Pada Penyaluran Kredit bank bjb.
3. Perubahan Surat Keputusan Komite PT Bank Pembangunan Daerah Jawa Barat dan Banten Nomor 0003/
SK/CPC-KPR/2021 Tanggal 29 Januari 2021 Tentang Susunan Komite dan Limit Kewenangan Memutus
Penyelamatan dan Penyelesaian Kredit
1. Changes to the Decree of the PT Bank Pembangunan Daerah Jawa Barat dan Banten Committee Number
0002/SK/CPC-KPR/2021 concerning the Composition of the Credit Line Committee, Composition of the
Credit Line Committee and Limits of Authority Determining Credit Line Restructuring.
2. Changes to the Decree of the Board of Directors of PT Bank Pembangunan Daerah Jawa Barat dan Banten
Number 0017/SK/DIR-PPK/2022 dated April 22, 2022 concerning Provisions for National Economic
Stimulus on the Impact of the Spread of Coronavirus Disease 2019 on bank bjb Credit Distribution.
3. Changes to the Decree of the PT Bank Pembangunan Daerah Jawa Barat dan Banten Committee Number
0003/SK/CPC-KPR/2021 dated January 29, 2021 concerning the Composition of the Committee and
Limits of Authority to Decide on Credit Rescue and Settlement
Komite Pengarah Teknologi Informasi Information Technology Steering Committee
Komite Pengarah Teknologi Informasi bertugas menyusun The Information Technology Steering Committee had tasks in
rencana strategis Teknologi Informasi (Information Technology compiling an Information Technology Strategic Plan that was
Strategic Plan) yang searah dengan rencana strategis kegiatan in line with the Company business strategic plan, as well as
usaha Bank, serta perumusan kebijakan dan prosedur Teknologi the formulation of main Information Technology policies and
Informasi yang utama seperti kebijakan pengamanan Teknologi procedures such as Information Technologysafeguard policies and
Informasi dan manajemen risiko terkait penggunaan Teknologi risk management related to the use of Information Technology in
Informasi di Bank. the Bank.
STRUKTUR DAN KEANGGOTAAN KOMITE STRUCTURE AND MEMBERSHIP OF INFORMATION
PENGARAH TEKNOLOGI INFORMASI TECHNOLOGY STEERING COMMITTEE
Sesuai dengan Surat Keputusan Direksi nomor 0404/SK/DIR- In accordance with the Decree of the Board of Directors number
ITE/2020 tentang Pedoman Kerja Komite Pengarah Teknologi 0404/SK/DIR-ITE/2020 concerning Work Guidelines for the
Informasi. Dengan struktur dan keanggotaan sebagai berikut: Information Technology Steering Committee. With the structure
and membership as follows:
Jabatan Diisi Oleh Hak Suara
Position Filled by Voting Rights
Ketua Direktur yang membidangi Teknologi Informasi Mempunyai Hak Suara
Chairman Director in charge of Information Technology Have Voting Rights
Wakil Ketua Direktur yang membidangi Manajemen Risiko Mempunyai Hak Suara
Vice Chairman Director in charge of Risk Management Have Voting Rights
Sekretaris Pemimpin Divisi Information Technology Mempunyai Hak Suara
Secretary Pemimpin Divisi Information Technology Have Voting Rights
Anggota Tetap Pemimpin Divisi Operasi Mempunyai Hak Suara
Permanent member Head of Operations Division Have Voting Rights
Pemimpin Divisi Jaringan & Layanan Mempunyai Hak Suara
Head of Network & Services Division Have Voting Rights
Pemimpin Divisi Pengendalian Keuangan Mempunyai Hak Suara
Head of Financial Control Division Have Voting Rights
Pemimpin Divisi Change Management Office Mempunyai Hak Suara
Head of Change Management Office Division Have Voting Rights
Laporan Tahunan 2023
894 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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CORPORATE
GOVERNANCE
Jabatan Diisi Oleh Hak Suara
Position Filled by Voting Rights
Pemimpin Divisi Digital Digital Banking Mempunyai Hak Suara
Head of Digital Digital Banking Division Have Voting Rights
Pemimpin Divisi Manajemen Risiko Mempunyai Hak Suara
Head of Risk Management Division Have Voting Rights
Anggota Tidak Tetap Pemimpin Divisi & Unit Lainnya yang berkaitan dengan pembahasan
Non-Permanent Member agenda Rapat Komite Tanpa Hak Suara
Head of Divisions and Other Units related to the discussion of the Without voting rights
Committee Meeting agenda
TUGAS, WEWENANG, DAN TANGGUNG JAWAB DUTIES, AUTHORITIES, AND RESPONSIBILITIES OF
KOMITE PENGARAH TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY STEERING COMMITTEE
Tugas, wewenang dan tanggung jawab Komite Pengarah The task, authority and responsibility of the Director of the
Teknologi Informasi adalah memberikan rekomendasi kepada Information Technology Committee is to provide recommendations
Direksi yang paling kurang terkait dengan: to the board o Directors as related to:
1. Rencana Strategis Teknologi Informasi (Information Technology 1. The Information Technology Strategic Plan which was in line
Strategic Plan) yang searah dengan rencana strategis kegiatan with the strategic plan for the Bank’s business activities. In
usaha Bank. Dalam memberikan rekomendasi, Komite providing recommendations, the Information Technology
Pengarah Teknologi Informasi hendaknya memperhatikan Steering Committee should pay attention to efficiency,
faktor efisiensi, efektivitas serta hal-hal sebagai berikut: effectiveness as well as the following:
a. Rencana pelaksanaan (roadmap) untuk mencapai a. The implementation plan (roadmap) to achieve the need
kebutuhan Teknologi Informasi yang mendukung strategi for Information Technology that supported the Bank’s
bisnis Bank. Roadmap terdiri dari kondisi saat ini (current business strategy. The roadmap consisted of the current
state), kondisi yang ingin dicapai (future state) serta state, the future state and the steps that should be taken
langkah-langkah yang akan dilakukan untuk mencapai to achieve the future state;
future state; b. Resources required;
b. Sumber Daya yang dibutuhkan; c. The benefits that would be obtained when the plan was
c. Manfaat yang akan diperoleh saat rencana diterapkan; implemented;
d. kendala yang mungkin timbul dalam penerapan d. constraints that might arise in the application of the
information technology strategic plan. strategic information technology plan.
2. Perumusan kebijakan Teknologi Informasi sebagaimana diatur 2. The formulation of Information Technology policies as
pada arsitektur kebijakan dan prosedur. stipulated in the policy architecture and procedures.
3. Kesesuaian antara proyek Teknologi Informasi yang disetujui 3. Conformity between the approved Information Technology
dengan information technology strategic plan, serta project and the information technology strategic plan, as well
menetapkan status prioritas proyek teknologi operasional as determining the priority status of the Bank’s operational
Bank. technology projects.
4. Kesesuaian antara pelaksanaan proyek Teknologi Informasi 4. The conformity between the implementation of the
dengan rencana proyek yang disepakati (project charter). Information Technology project and the agreed project
Komite Pengarah Teknologi Informasi harus melengkapi plan (project charter). The Information Technology Steering
rekomendasi dengan hasil analisis dari proyek Teknologi Committee ad to complement its recommendations with
Informasi yang utama sehingga memungkinkan Direksi analysis results from major Information Technology projects
mengambil keputusan secara efisien. so as to enable the Directors to make decisions efficiently.
5. Kesesuaian antara Teknologi Informasi dengan kebutuhan 5. Conformity between Information Technology and the needs
sistem informasi manajemen serta kebutuhan kegiatan usaha. of management information systems as well as the needs of
business activities.
6. Efektivitas langkah-langkah dalam meminimalkan risiko atas 6. The effectiveness of measures in minimizing the risk of
investasi pada sektor Teknologi Informasi. investment in the Information Technology sector.
7. Pemantauan atas kinerja Teknologi Informasi, dan upaya 7. Monitoring the performance of Information Technology, and
peningkatannya misalnya dengan mendeteksi keusangan efforts to improve it, for example by detecting obsolescence
Teknologi Informasi dan mengukur efektivitas dan efisiensi of Information Technology and measuring the effectiveness
penerapan kebijakan pengamanan Teknologi Informasi. and efficiency of implementing Information Technology
security policies.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 895
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TATA KELOLA
PERUSAHAAN
8. Upaya penyelesaian berbagai masalah terkait Teknologi 8. Efforts to resolve various problems related to Information
Informasi yang tidak dapat diselesaikan oleh satuan kerja Technology that cannot be resolved by the work unit for users
pengguna dan dan penyelenggara Teknologi Informasi secara and operators of Information Technology in an effective,
efektif, efisien dan tepat waktu. efficient and timely manner.
9. Kecukupan dan alokasi sumber daya yang dimiliki, dalam 9. Adequacy and allocation of resources owned, in the event
hal sumber daya yang dimiliki tidak memadai dan perseroan that the resources owned are inadequate and the company
akan menggunakan jasa pihak lain dalam penyelenggaraan will use the services of other parties in the implementation of
Teknologi Informasi maka Komite Pengarah Teknologi Information Technology, the Information Technology Steering
Informasi harus memastikan perseroan telah memiliki Committee must ensure that the company had the necessary
kebijakan dan prosedur yang dibutuhkan. policies and procedures.
PROFIL ANGGOTA KOMITE PENGARAH TEKNOLOGI PROFILE OF INFORMATION TECHNOLOGY STEERING
INFORMASI COMMITTEE MEMBERS
Rio Lanasier
Direktur Information Technology, Treasury & International Banking /
Ketua /
Director of Information Technology, Treasury & International Banking /
Chairman
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Selatan South Jakarta
Lahir di Tangerang pada tahun 1975, usia 48 tahun per Desember Born in Tangerang in 1975, 48 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Teknik Sipil dari Universitas Katolik Parahyangan Bandung • Bachelor’s degree in Civil Engineering from Parahyangan Catholic
(1998). University, Bandung (1998).
• Master bidang Civil & Environment Engineering dari University of New • Master in Civil & Environmental Engineering from the University of New
South Wales Sydney Australia (2000). South Wales Sydney Australia (2000).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Appointed as Director of bank bjb for the first time based on Annual GMS
RUPS Tahunan No. 87 tanggal 30 April 2019 yang perubahannya ditetapkan No. 87 dated April 30, 2019, the amendments of which are stipulated based
berdasarkan Akta No. 42 tanggal 13 Desember 2019. on Deed no. 42 dated December 13, 2019.
Pengalaman Kerja Work Experience
• Direktur Treasury, Financial Institution, Funding & Fintech Solution • Director of Treasury, Financial Institutions, Funding & Fintech Solutions
(2016-2019). (2016-2019).
• Direktur Information Technology, Treasury & International Banking bank • Director of Information Technology, Treasury & International Banking
bjb (2019 – saat ini). bank bjb (2019 – present).
Periode dan Masa Jabatan Period of Service
30 April 2019 – saat ini (periode pertama). April 30, 2019 – present (first period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh LSPP (2019). Level 7 Risk Management Certification by LSPP (2019).
Laporan Tahunan 2023
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Cecep Trisna
Direktur Kepatuhan/Wakil Ketua /
Director of Compliance/Deputy Chairman
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1967, usia 56 tahun per Desember Born in Bandung in 1967, 56 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
Sarjana bidang Ilmu Manajemen dari Universitas Padjajaran Bachelor of Management from Padjajaran University, Bandung (1990).
Bandung (1990).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Appointed as Director of bank bjb for the first time based on Financial
Surat Otoritas Jasa Keuangan No. SR-65/KR.02/2021 tanggal 21 Juli Services Authority Letter No. SR-65/KR.02/2021 dated July 21, 2021
2021 perihal Penyampaian Salinan Keputusan Penilaian Kemampuan dan concerning Submission of a Copy of the Capability and Proper Test Decision
Kepatutan atas Pengangkatan Direktur Kepatuhan PT Bank Pembangunan on the Appointment of Compliance Director of PT Bank Pembangunan
Daerah Jawa Barat dan Banten,Tbk. Efektif menjabat sebagai Direktur Daerah West Java and Banten, Tbk. Effectively serving as Compliance
Kepatuhan bank bjb sejak tanggal 22 Juli 2021. Director of bank bjb since July 22, 2021.
Pengalaman Kerja Work Experience
• Pemimpin Divisi Pendidikan dan Pelatihan (2014 - 2017). • Head of Education and Training Division (2014 - 2017).
• Pemimpin Yayasan Kesejahteraan Pegawai bank bjb (2017 - 2018). • Leader of the bank bjb Employee Welfare Foundation (2017 - 2018).
• Pemimpin Divisi Kepatuhan dan APU-PPT (2018 - 2021). • Head of Compliance and APU-CFT Division (2018 - 2021).
• Direktur Kepatuhan bank bjb (2021 – saat ini). • Director of Compliance bank bjb (2021 – present).
Periode dan Masa Jabatan Period of Service
6 April 2021 – saat ini (periode pertama). April 6, 2021 – present (first period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• Sertifikasi Kepatuhan Level 1 oleh Forum Komunikasi Direktur • Level 1 Compliance Certification by the Banking Compliance Director
Kepatuhan Perbankan (FKDKP) (2019). Communication Forum (FKDKP) (2019).
• Sertifikasi Kepatuhan Level 2 oleh Forum Komunikasi Direktur • Level 2 Compliance Certification by the Banking Compliance Director
Kepatuhan Perbankan (FKDKP) (2019). Communication Forum (FKDKP) (2019).
• Sertifikasi Kepatuhan Level 2 oleh Lembaga Sertifikasi Profesi • Level 2 Compliance Certification by the Indonesian Banking
Perbankan Indonesia (LSPP) (2019). Professional Certification Institute (LSPP) (2019).
• Sertifikasi Manajemen Risiko Jenjang 7 oleh Badan Sertifikasi • Level 7 Risk Management Certification by the Risk Management
Manajemen Risiko (BSMR) (2020). Certification Body (BSMR) (2020).
• Sertifikasi Manajemen Risiko Strategi Ketahanan Dalam Penerapan • Risk Management Certification Resilience Strategy in Implementing
Manajemen Risiko Di Masa Pandemi COVID-19 (2020). Risk Management During the COVID-19 Pandemic (2020).
• Sertifikasi Kepatuhan & AML Level 3 Eksekutif oleh oleh Lembaga • Compliance & AML Level 3 Executive Certification by the Indonesian
Sertifikasi Profesi Perbankan Indonesia (LSPP) (2021). Banking Professional Certification Institute (LSPP) (2021).
• Sertifikasi Kompetensi Level Eksekutif Level 3 Kepatuhan oleh Lembaga • Executive Level 3 Compliance Competency Certification by the
Sertifikasi Profesi Perbankan Indonesia (LSPP) (2021). Indonesian Banking Professional Certification Institute (LSPP) (2021).
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 897
Page 389
TATA KELOLA
PERUSAHAAN
Johanes Parulian Tamba
Pemimpin Divisi Information Technology/Sekretaris /
Head of Information Technology Division/Secretary
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 5 Februari 1969, usia 54 tahun per Desember 2023. Born on February 5, 1969, 54 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Matematika dari Institusi Teknologi Bandung (ITB) • Bachelor in Mathematics from Bandung Institute of Technology (ITB)
(1993) (1993)
• Magister di bidang Teknologi Informasi (2023) • Master in Information Technology (2023)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Information Technology sejak tahun Served as Head of Information Technology Division from 2023 until now
2023 s.d saat ini berdasarkan Surat Keputusan Direksi No. 0470/SK/DIR- based on Directors’ Decree No. 0470/SK/DIR-HCA/2023.
HCA/2023.
Pengalaman Kerja Work Experience
• Wakil Pemimpin Divisi IT I tahun 2022 • Deputy Head of IT Division I in 2022
• Pemimpin Divisi Digital Banking tahun 2022 • Head of Digital Banking Division in 2022
Periode dan Masa Jabatan Period of Service
27 November 2023 November 27, 2023
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Laporan Tahunan 2023
898 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 390
CORPORATE
GOVERNANCE
Anthonius Satriyo Wibowo
Pemimpin Divisi IT Security/Anggota Tetap /
Head of IT Security Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 16 Oktober 1974, usia 49 tahun per Desember 2023. Born on October 16, 1974, 49 years old as of December 2023.
Riwayat Pendidikan Educational Background
Sarjana di bidang Teknik Sipil dari Universitas Parahyangan (1998) Bachelor in Civil Engineering from Parahyangan University (1998)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi IT Security sejak tahun 2023 s.d saat ini Served as Head of IT Security Division from 2023 until now based on
berdasarkan Surat Keputusan Direksi No. 0285/SK/DIR-HCA/2023 Directors’ Decree No. 0285/SK/DIR-HCA/2023
Pengalaman Kerja Work Experience
• Pemimpin Divisi Information Technology Tahun 2020 • Head of Information Technology Division in 2020
• Pemimpin Divisi IT Security sejak Tahun 2023 • Head of IT Security Division since 2023
Periode dan Masa Jabatan Period of Service
1 September 2023 - saat ini September 1, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 899
Page 391
TATA KELOLA
PERUSAHAAN
Nunung Suhartini
Pemimpin Divisi Jaringan & Layanan/Anggota Tetap /
Head of Network & Services Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 21 Januari 1971, usia 52 tahun per Desember 2023. Born on January 21, 1971, 52 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Manajemen SDM dari STIA LAN RI Bandung (2002) • Bachelor’s Degree in Human Resources Management from STIA LAN RI
Bandung (2002)
• Magister di bidang Manajemen Pemasaran dari Universitas Pasundan • Master in Marketing Management from Pasundan University, Bandung
Bandung (2004) (2004)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Jaringan & Layanan sejak Tahun 2022 s.d Served as Head of the Network & Services Division from 2022 until now
saat ini berdasarkan Surat Keputusan Direksi No. 0011/SK/ DIR-HCA/2022. based on Directors’ Decree No. 0011/SK/DIR-HCA/2022.
Pengalaman Kerja Work Experience
• Pemimpin Kantor Cabang Saharjo tahun 2019 • Head of Saharjo Branch Office in 2019
• CEO Regional Kantor Wilayah 3 tahun 2019 • Regional CEO of Region 3 Office in 2019
Periode dan Masa Jabatan Period of Service
31 Januari 2022 - saat ini January 31, 2022 - currently
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Laporan Tahunan 2023
900 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 392
CORPORATE
GOVERNANCE
Herry Yanson
Pemimpin Divisi Operasi/Anggota Tetap /
Head of Operations Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 10 Oktober 1968, usia 55 tahun per Desember 2023. Born on October 10, 1968, 55 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Akuntansi dari Universitas Mercu Buana (1999) • Bachelor in Accounting from Mercu Buana University (1999)
• Magister di bidang Manajemen dari STIE IPWIJA (2003) • Masters in Management from STIE IPWIJA (2003)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Operasi sejak 2019 berdasarkan Surat Served as Head of Operations Division since 2019 based on Directors’ Decree
Keputusan Direksi No. 0871/SK/DIR-HC/2019. No. 0871/SK/DIR-HC/2019.
Pengalaman Kerja Work Experience
• Pemimpin Divisi Administrasi Kredit dan Bisnis Legal tahun 2018 • Head of Credit Administration and Legal Business Division in 2018
• Pemimpin Divisi KPR & KKB tahun 2018 • Head of the KPR & KKB Division in 2018
Periode dan Masa Jabatan Period of Service
27 Juli 2020 July 27, 2020
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 901
Page 393
TATA KELOLA
PERUSAHAAN
Muhammad Asadi Budiman
Pemimpin Divisi Pengendalian Keuangan/Anggota Tetap /
Head of Financial Control Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 7 Juni 1981, usia 42 tahun per Desember 2023. Born on June 7, 1981, 42 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Ekonomi dari Universitas Padjadjaran (2004) • Bachelor in Economics from Padjadjaran University (2004)
• Magister di bidang Ekonomi dari Universitas Padjadjaran (2009) • Masters in Economics from Padjadjaran University (2009)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Pengendalian Keuangan sejak 2020 s.d Served as Head of Financial Control Division from 2020 to the present based
saat ini berdasarkan surat keputusan direksi No. 0069/SK/DIR-HCA/2020. on Director’s Decree No. 0069/SK/DIR-HCA/2020.
Pengalaman Kerja Work Experience
• Pemimpin Divisi Treasury tahun 2017 • Head of Treasury Division in 2017
• Pemimpin Divisi Corporate Secretary tahun 2018 • Head of the Corporate Secretary Division in 2018
Periode dan Masa Jabatan Period of Service
3 Februari 2020 - saat in February 3, 2020 - currently
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• Certified International Merger and Azquisition (CIMA) • Certified International Merger and Azquisition (CIMA)
• Sertifikasi Manajemen Risiko Level 5 • Sertifikasi Manajemen Risiko Jenjang 7
• Sertifikasi Treasury Dealer Tingkat Advance • Sertifikasi Treasury Dealer Tingkat Advance
• Certified Investor Relation • Certified Investor Relation
Laporan Tahunan 2023
902 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 394
CORPORATE
GOVERNANCE
Riki Achmad Nurdin
Pemimpin Divisi Change Management Office/Anggota Tetap /
Head of Change Management Office Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 1 Maret 1973, usia 50 tahun per Desember 2023. Born on March 1, 1973, 50 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Administrasi Negara dari Universitas Parahyangan • Bachelor in Public Administration from Parahyangan University Bandung
Bandung (1997) (1997)
• Magister di bidang Manajemen Pemasaran dari Universitas Padjadjaran • Masters in Marketing Management from Padjadjaran University
Bandung (2000) Bandung (2000)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Change Management Office sejak Served as Head of Change Management Office Division from 2022 until now
2022 s.d saat ini berdasarkan Surat Keputusan Direksi No. 0192/SK/ DIR- based on Directors’ Decree No. 0192/SK/DIR-HCA/2022.
HCA/2022.
Pengalaman Kerja Work Experience
• Pemimpin Kantor Cabang Cikarang tahun 2019 • Head of Cikarang Branch Office in 2019
• Executive Business Officer tahun 2021 • Executive Business Officer in 2021
Periode dan Masa Jabatan Period of Service
1 juni 2022 - saat ini June 1, 2022 - currently
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 Level 5 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 903
Page 395
TATA KELOLA
PERUSAHAAN
Arfianto Ramadhian
Pemimpin Divisi Digital Banking/Anggota Tetap /
Head of Digital Banking Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 2 Oktober 1973, Usia 50 tahun per Desember 2023. Born on October 2, 1973, 50 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Manajemen Informatika dari Universitas Gunadarma • Bachelor in Information Management from Gunadarma University
(1996) (1996)
• Sarjana di bidang Teknik Sipil dari Universitas Parahyangan (1998) • Bachelor in Civil Engineering from Parahyangan University (1998)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Digital Banking sejak 2019 s.d saat ini Served as Head of Digital Banking Division from 2019 until now based on
berdasarkan Surat Keputusan Direksi No. 0871/SK/DIR-HC/2019. Directors’ Decree No. 0871/SK/DIR-HC/2019.
Pengalaman Kerja Work Experience
• Pemimpin Grup Monitoring Proyek Tahun 2017 • Head of Project Monitoring Group in 2017
• Pemimpin Unit Eletronic Banking & Product Development Tahun 2018 • Head of Electronic Banking & Product Development Unit in 2018
Periode dan Masa Jabatan Period of Service
1 Februari 2021 - saat ini February 1, 2021 - currently
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Laporan Tahunan 2023
904 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 396
CORPORATE
GOVERNANCE
Yogy Yatno
Kepala Divisi Manajemen Risiko Operasional/Anggota Tetap/
Head of Operational Risk Management Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Cirebon, 24 April pada tahun 1979, usia 44 tahun per Born in Cirebon, April 24, 1979, age 44 years old as of January
Januari 2024 2024
Riwayat Pendidikan Educational Background
• Sarjana Ekonomi, STIE YPKP tahun 2001 • Bachelor of Economics, STIE YPKP in 2001
• Magister Manajemen, UNPAD tahun 2010 • Master of Management, UNPAD in 2010
Riwayat Penunjukan Appointment History
Menjabat sebagai Pemimpin Divisi Manajemen Risiko Operasional Appointed as Head of the Operational Risk Management Division based on
berdasarkan Surat Keputusan Direksi No. 0285/SK/DIR-HCA/2023. Directors’ Decree No. 0285/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 2002 dengan riwayat jabatan sebagai berikut: Joined bank bjb since 2002 with the following position history:
• Pemimpin Divisi Kebijakan & Prosedur sejak Tahun 2022 hingga Tahun • Head of the Policy & Procedures Division from 2022 to 2023
2023
• Pemimpin Divisi Jaringan & Layanan sejak Tahun 2021 hingga Tahun • Network & Services Division Leader from 2021 to 2022
2022
• CEO Regional 1 Sejak Tahun 2020 hingga Tahun 2021 • Regional CEO 1 from 2020 to 2021
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 905
Page 397
TATA KELOLA
PERUSAHAAN
PELATIHAN ANGGOTA KOMITE PENGARAH TRAINING OF INFORMATION TECHNOLOGY
TEKNOLOGI INFORMASI STEERING COMMITTEE MEMBERS
Pelatihan yang telah diikuti anggota komite selama tahun 2023 The training that has been attended by committee members
adalah sebagai berikut. during 2023 is as follows.
Nama Jabatan Pelatihan
Name Position Training
Ketua Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Rio Lanasier
Chairman It can be seen in the Board of Directors Competency Training/Development section
Wakil Ketua Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Cecep Trisna
Vice President It can be seen in the Board of Directors Competency Training/Development section
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi Dan
Sekretaris Keunggulan Kompetitif
Johanes Parulian Tamba
Sekretaris Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive
Advantage
Online Refreshment Sertifikasi Manajemen Risiko Batch 1 Tahun 2023 (Inhouse Training
Online)
Online Refreshment Risk Management Certification Batch 1 Year 2023 (Inhouse Online
Training)
Pengenalan Digital
Digital Introduction
Executive Workshop 2023 Be One : Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023
Commitments Through Fee Based Income Quality Credit
Leaders Talk : Leading Successful Business
Leaders Talk : Leading Successful Business
Program Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Level 7 Risk Management Certification Maintenance/Refreshment Program
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi dan
Anggota Tetap Keunggulan Kompetitif
Anthonius Satriyo Wibowo
Permanent member Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive
Advantage
Online Refreshment Sertifikasi Manajemen Risiko Batch 1 Tahun 2023 (Inhouse Training
Online)
Online Refreshment Risk Management Certification Batch 1 Year 2023 (Inhouse Online
Training)
Temenos Community Forum (TCF) Tahun 2023 Everyones Banking Platform (Public
Training Ln Tatap Muka) Ke Vienna Austria
Temenos Community Forum (TCF) 2023 Everyones Banking Platform (Face to Face Public
Training) To Vienna Austria
Pengenalan Digital
Digital Introduction
Executive Workshop 2023 Be One : Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023
Commitments Through Fee Based Income Quality Credit
Leaders Talk : Leading Successful Business
Leaders Talk : Leading Successful Business
Program Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Level 7 Risk Management Certification Maintenance/Refreshment Program
Laporan Tahunan 2023
906 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 398
CORPORATE
GOVERNANCE
Nama Jabatan Pelatihan
Name Position Training
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi Dan
Anggota Tetap Keunggulan Kompetitif
Nunung Suhartini
Permanent member Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive
Advantage
Online Refreshment Sertifikasi Manajemen Risiko Batch 1 Tahun 2023 (Inhouse Training
Online)
Online Refreshment Risk Management Certification Batch 1 Year 2023 (Inhouse Online
Training)
Pengenalan Digital
Digital Introduction
Executive Workshop 2023 Be One : Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023
Commitments Through Fee Based Income Quality Credit
Leaders Talk : Leading Successful Business
Leaders Talk : Leading Successful Business
Program Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Level 7 Risk Management Certification Maintenance/Refreshment Program
Anggota Tetap Dapat dilihat pada Pelatihan Komite Kebijakan Perkreditan
Herry Yanson
Permanent member It can be seen in the Credit Policy Committee Training
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi dan
Anggota Tetap Keunggulan Kompetitif
Muhammad Asadi Budiman
Permanent member Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive
Advantage
Online Refreshment Sertifikasi Manajemen Risiko Batch 1 Tahun 2023 (Inhouse Training
Online)
Online Refreshment Risk Management Certification Batch 1 Year 2023 (Inhouse Online
Training)
Suksesor Pemimpin Divisi Succession Plan For Professional Leaders (In House Training
Hybrid Learning)
Division Leader Successor Succession Plan For Professional Leaders (In House Training
Hybrid Learning)
Pengenalan Digital
Digital Introduction
Executive Workshop 2023 Be One : Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023
Commitments Through Fee Based Income Quality Credit
Leaders Talk : Leading Successful Business
Leaders Talk : Leading Successful Business
Program Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Level 7 Risk Management Certification Maintenance/Refreshment Program
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi dan
Anggota Tetap Keunggulan Kompetitif
Riki Achmad Nurdin
Permanent member Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive
Advantage
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Pengenalan Digital
Digital Introduction
Executive Workshop 2023 Be One : Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 907
Page 399
TATA KELOLA
PERUSAHAAN
Nama Jabatan Pelatihan
Name Position Training
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Leaders Talk : Leading Successful Business
Leaders Talk : Leading Successful Business
Stress Test Operational and Bank Risk Management
Stress Test Operational and Bank Risk Management
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi dan
Anggota Tetap Keunggulan Kompetitif
Arfianto Ramadhian
Permanent member Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive
Advantage
Online Refreshment Sertifikasi Manajemen Risiko Batch 1 Tahun 2023 (Inhouse Training
Online)
Online Refreshment Risk Management Certification Batch 1 Year 2023 (Inhouse Online
Training)
Temenos Community Forum (TCF) Tahun 2023 Everyones Banking Platform (Public
Training Ln Tatap Muka) Ke Vienna Austria
Temenos Community Forum (TCF) 2023 Everyones Banking Platform (Face to Face Public
Training) To Vienna Austria
Suksesor Pemimpin Divisi Succession Plan For Professional Leaders (In House Training
Hybrid Learning)
Division Leader Successor Succession Plan For Professional Leaders (In House Training
Hybrid Learning)
Pengenalan Digital
Digital Introduction
Executive Workshop 2023 Be One : Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Leaders Talk : Leading Successful Business
Leaders Talk : Leading Successful Business
Seminar Nasional BPD-SI Corporate Digital Culture : Digital Transformation Leader
BPD-SI National Seminar on Corporate Digital Culture: Digital Transformation Leader
Program Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Level 7 Risk Management Certification Maintenance/Refreshment Program
Anggota Tetap Dapat dilihat pada Pelatihan Komite Kebijakan Perkreditan
Yogy Yatno
Permanent member It can be seen in the Credit Policy Committee Training
PERNYATAAN INDEPENDENSI KOMITE PENGARAH INDEPENDENCE STATEMENT OF INFORMATION
TEKNOLOGI INFORMASI TECHNOLOGY STEERING COMMITTEE
Seluruh anggota komite tidak memiliki afiliasi dengan Direktur All committee members had no affiliation with Other Directors,
Lainnya, Komisaris maupun Pemegang Saham Pengendali, bukan Commissioners or Controlling Shareholders, and were not
merupakan pemegang saham Perseroan yang dapat mempen- shareholders of the Company which might affect their ability to
garuhi kemampuannya untuk bertindak independen, Komisaris, act independently, and were not Commissioners, Directors or
Direktur maupun karyawan dari perusahaan yang memiliki afiliasi employees of companies that had affiliation or business with the
maupun bisnis dengan Perseroan. Company.
Laporan Tahunan 2023
908 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 400
CORPORATE
GOVERNANCE
RAPAT DAN PELAKSANAAN TUGAS KOMITE MEETINGS AND IMPLEMENTATION OF THE TASKS
PENGARAH TEKNOLOGI INFORMASI OF THE INFORMATION TECHNOLOGY STEERING
Selama tahun 2023, Komite Pengarah Teknologi Informasi telah COMMITTEE
melaksanakan tugasnya melalui rapat yang diadakan sebanyak 3 During 2023, the Information Technology Steering Committee
(tiga) kali dengan agenda pembahasan: carried out its duties through 3 (three) meetings held with an
agenda for discussing:
Tanggal Agenda
No
Date Agenda
1 28 Maret 2023 - ITSP bank bjb Periode 2022-2025
March 28, 2023 - Hybrid Model (In-house & Join Development)
- Utilisasi Digiloan
- Swing Over DC-DRC
- Speed Up Process Core
- Big Data for Regional & Branch
- Fraud Detection System
- BI-FAST (Phase 1-Tahap 2)
- IT Security & Cyber Defence
- Uptime Achievement
- Budget Realization
- IT Project 2023
- ITSP bank bjb Periode 2022-2025
- Hybrid Model (In-house & Join Development)
- Digiloan Utilization
- Swing Over DC-DRC
- Speed Up Process Core
- Big Data for Regional & Branch
- Fraud Detection System
- BI-FAST (Phase 1-Tahap 2)
- IT Security & Cyber Defence
- Uptime Achievement
- Budget Realization
- IT Project 2023
2 07 Agustus 2023 - Live Fraud Detection System
August 07, 2023 - Activation DC 2 (Live)
- Renewal Oracle ULA (Unlimited License Agreement)
- IT Security & Cyber Defence
- DC Naripan Assessment Relocation
- Automation Initiative
- Big Data External Source
- New Loan Management System
- BI-FAST Phase 2
- Budget Realization
- Uptime Achievement
- Live Fraud Detection System
- Activation DC 2 (Live)
- Renewal Oracle ULA (Unlimited License Agreement)
- IT Security & Cyber Defence
- DC Naripan Assessment Relocation
- Automation Initiative
- Big Data External Source
- New Loan Management System
- BI-FAST Phase 2
- Budget Realization
- Uptime Achievement
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 909
Page 401
TATA KELOLA
PERUSAHAAN
Tanggal Agenda
No
Date Agenda
3 09 November 2023 - bjb Resilience Data Center
November 09, 2023 - ISO Certification & Scope Extension
- Audit Bank Indonesia
- IT Security & Cyber Defense
- BI-FAST Phase 1 Tahap 2
- bjb Artificial Intelligence
- Core Banking Upgrade
- Automation Initiative
- Unifikasi Aplikasi Sales Monitoring
- KIJB 2023
- Budget Realization
- Uptime Achievement
- bjb Resilience Data Center
- ISO Certification & Scope Extension
- Audit Bank Indonesia
- IT Security & Cyber Defense
- BI-FAST Phase 1 Tahap 2
- bjb Artificial Intelligence
- Core Banking Upgrade
- Automation Initiative
- Unification of Sales Monitoring Applications
- KIJB 2023
- Budget Realization
- Uptime Achievement
Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee
Berdasarkan Surat Keputusan Direksi bank bjb nomor 0823/SK/ Based on the Decree of the Directors of bank bjb No. 0823/SK/
DIR-MRI/2021 tanggal 28 Desember 2021 tentang Pedoman DIR-MRI/2021 dated December 28, 2021 regarding Guidelines
Komite Manajemen Risiko Terintegrasi, Komite Manajemen for the Integrated Risk Management Committee, the Integrated
Risiko Terintegrasi dalam metodologi proses manajemen risiko Risk Management Committee in the risk management process
bertugas untuk mengembangkan budaya risiko dan menetapkan methodology is tasked with developing a risk culture and setting
arahan untuk seluruh aktivitas yang mengandung risiko dalam direction for all activities that contained risks within the Financial
Konglomerasi Keuangan. Proses Komite Manajemen Risiko Conglomerate. The Integrated Risk Management Committee
Terintegrasi secara spesifik terdapat dalam Pedoman Komite process was specifically contained in the Integrated Risk
Manajemen Risiko Terintegrasi. Management Committee Charter.
STRUKTUR DAN KEANGGOTAAN KOMITE STRUCTURE AND MEMBERSHIP OF THE INTEGRATED
MANAJEMEN RISIKO TERINTEGRASI RISK MANAGEMENT COMMITTEE
Susunan keanggotaan Komite Manajemen Risiko Terintegrasi The composition of the membership of the Integrated Risk
terdiri dari Direksi, Direktur dari masing-masing Lembaga Jasa Management Committee consists of Directors, Directors from
Keuangan (LJK) dalam Konglomerasi Keuangan serta Para each Financial Services Institution in the Financial Conglomerate
Pemimpin Divisi terkait yakni: and the Heads of related Divisions namely:
Jabatan Diisi oleh Hak Suara
Position Filled by Voting Rights
Ketua Direktur Entitas Utama yang membawahkan fungsi Mempunyai Hak Suara
(merangkap sebagai anggota tetap) Manajemen Risiko Have Voting Rights
Chairman Director of the Main Entity in charge of the Risk
(concurrently as perma-nent member) Management function
Laporan Tahunan 2023
910 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 402
CORPORATE
GOVERNANCE
Jabatan Diisi oleh Hak Suara
Position Filled by Voting Rights
Sekretaris Merangkap Anggota Tetap Pejabat Eksekutif Entitas Utama yang melaksanakan Fungsi Mempunyai Hak Suara
Secretary Concurrently as a Permanent Manajemen Risiko Terintegrasi/Satuan Kerja Manajemen Have Voting Rights
Member Risiko (SKMRT)
Executive Officer of the Main Entity carrying out Integrated
Risk Manage-ment Function/ Integrated Risk Man-agement
Unit (SKMRT)
Anggota Tetap - Direktur yang membawahkan fungsi manajemen risiko Mempunyai Hak Suara
Permanent member dari LJK dalam Konglomerasi Keuangan Have Voting Rights
- Pejabat Eksekutif Entitas Utama yang melaksanakan
Fungsi Audit Internal Terintegrasi
- Pejabat Eksekutif Entitas Utama yang melaksanakan
Fungsi Kepatuhan Terintegrasi
- Pejabat Eksekutif Entitas Utama yang melaksanakan
Fungsi Pelaporan Keuangan
- Pejabat Eksekutif Entitas Utama yang melaksanakan
Fungsi Pengelolaan Anak Perusahaan
- Anggota SKMRT
- Director who supervises the risk management function
of LJK in the Financial Conglomerate
- Main Entity Executive Officer who carries out the
Integrated Internal Audit Function
- Main Entity Executive Officer who carries out Integrated
Compliance Functions
- Executive Officer of the Main Entity who carries out the
Financial Reporting Function
- Main Entity Executive Officer who carries out Subsidiary
Management Functions
- SKMRT member
Anggota Tidak Tetap - Perwakilan Direktur LJK dalam Konglomerasi Keuangan Tidak Mempunyai Hak Suara
Non-Permanent Member - Pejabat Eksekutif Entitas Utama diluar anggota tetap Have No Voting Rights
- Perwakilan anggota tetap Pejabat Eksekutif Entitas
Utama
- Representative of LJK Director in the Financial
Conglomeration
- Main Entity Executive Officers oth-er than permanent
members
- Permanent member representative Main Entity Executive
Officer
TUGAS, WEWENANG, DAN TANGGUNG JAWAB DUTIES, AUTHORITIES, AND RESPONSIBILITIES OF
KOMITE MANAJEMEN RISIKO TERINTEGRASI THE INTEGRATED RISK MANAGEMENT COMMITTEE
Tugas, wewenang dan tanggung jawab Komite Manajemen The duties, authorities and responsibilities of the Integrated Risk
Risiko Terintegrasi (KMRT) sesuai Surat Keputusan Direksi bank Management Committee (KMRT) in accordance with the Decree
bjb nomor 0823/SK/DIR-MRI/2021 tanggal 28 Desember 2021 of the Directors of bank bjb number 0823/SK/DIR-MRI/2021 dated
tentang Pedoman Komite Manajemen Risiko Terintegrasi adalah December 28, 2021 concerning Guidelines for the Integrated Risk
untuk memberikan rekomendasi kepada Direksi Entitas Utama Management Committee are to provide recommendations to
mengenai penerapan manajemen risiko paling kurang: the Directors of the Main Entity regarding the implementation of
management least risk:
a. Penyusunan dan perbaikan Kebijakan Manajemen Risiko a. Formulation and improvement of Integrated Risk Management
Terintegrasi; dan Policy; and
b. Perbaikan atau penyempurnaan Kebijakan Manajemen Risiko b. Improvements or improvements to the Integrated Risk
Terintegrasi antara lain berupa penyempurnaan strategi dan Management Policy include, among others, improvements to
kerangka Risiko berdasarkan hasil evaluasi pelaksanaan. the Risk strategy and framework based on the results of the
implementation evaluation.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 911
Page 403
TATA KELOLA
PERUSAHAAN
PROFIL ANGGOTA KOMITE MANAJEMEN RISIKO PROFILE OF INTEGRATED RISK MANAGEMENT
TERINTEGRASI COMMITTEE MEMBERS
Cecep Trisna
Direktur Kepatuhan/Ketua /
Director of Compliance/Chairman
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1967, usia 56 tahun per Desember Born in Bandung in 1967, 56 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
Sarjana bidang Ilmu Manajemen dari Universitas Padjajaran Bachelor of Management from Padjajaran University, Bandung (1990).
Bandung (1990).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Appointed as Director of bank bjb for the first time based on Financial
Surat Otoritas Jasa Keuangan No. SR-65/KR.02/2021 tanggal 21 Juli Services Authority Letter No. SR-65/KR.02/2021 dated July 21, 2021
2021 perihal Penyampaian Salinan Keputusan Penilaian Kemampuan dan concerning Submission of a Copy of the Capability and Proper Test Decision
Kepatutan atas Pengangkatan Direktur Kepatuhan PT Bank Pembangunan on the Appointment of Compliance Director of PT Bank Pembangunan
Daerah Jawa Barat dan Banten,Tbk. Efektif menjabat sebagai Direktur Daerah West Java and Banten, Tbk. Effectively serving as Compliance
Kepatuhan bank bjb sejak tanggal 22 Juli 2021. Director of bank bjb since July 22, 2021.
Pengalaman Kerja Work Experience
• Pemimpin Divisi Pendidikan dan Pelatihan (2014 - 2017). • Head of Education and Training Division (2014 - 2017).
• Pemimpin Yayasan Kesejahteraan Pegawai bank bjb (2017 - 2018). • Leader of the bank bjb Employee Welfare Foundation (2017 - 2018).
• Pemimpin Divisi Kepatuhan dan APU-PPT (2018 - 2021). • Head of Compliance and APU-CFT Division (2018 - 2021).
• Direktur Kepatuhan bank bjb (2021 – saat ini). • Director of Compliance bank bjb (2021 – present).
Periode dan Masa Jabatan Period of Service
22 Juli 2021 - saat ini July 22, 2021 - current
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• Sertifikasi Kepatuhan Level 1 oleh Forum Komunikasi Direktur • Level 1 Compliance Certification by the Banking Compliance Director
Kepatuhan Perbankan (FKDKP) (2019). Communication Forum (FKDKP) (2019).
• Sertifikasi Kepatuhan Level 2 oleh Forum Komunikasi Direktur • Level 2 Compliance Certification by the Banking Compliance Director
Kepatuhan Perbankan (FKDKP) (2019). Communication Forum (FKDKP) (2019).
• Sertifikasi Kepatuhan Level 2 oleh Lembaga Sertifikasi Profesi • Level 2 Compliance Certification by the Indonesian Banking
Perbankan Indonesia (LSPP) (2019). Professional Certification Institute (LSPP) (2019).
• Sertifikasi Manajemen Risiko Jenjang 7 Badan Sertifikasi Manajemen • Risk Management Certification Level 7 Risk Management Certification
Risiko (BSMR) (2020). Body (BSMR) (2020).
• Sertifikasi Manajemen Risiko Strategi Ketahanan Dalam Penerapan • Risk Management Certification Resilience Strategy in Implementing
Manajemen Risiko Di Masa Pandemi COVID-19 (2020). Risk Management During the COVID-19 Pandemic (2020).
• Sertifikasi Kepatuhan & AML Level 3 Eksekutif oleh oleh Lembaga • Compliance & AML Level 3 Executive Certification by the Indonesian
Sertifikasi Profesi Perbankan Indonesia (LSPP) (2021). Banking Professional Certification Institute (LSPP) (2021).
• Sertifikasi Kompetensi Level Eksekutif Level 3 Kepatuhan oleh Lembaga • Executive Level 3 Compliance Competency Certification by the
Sertifikasi Profesi Perbankan Indonesia (LSPP) (2021). Indonesian Banking Professional Certification Institute (LSPP) (2021).
Laporan Tahunan 2023
912 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 404
CORPORATE
GOVERNANCE
Asep Dani Fadilah
Pemimpin Divisi Manajemen Risiko Kredit, Pasar & Terintegrasi/Sekretaris /
Head of Credit, Market and Integrated Risk Management Division/
Secretary
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada Kuningan, 1 Juni 1971saat ini berusia 52 tahun. Born in Kuningan, June 1 1971, currently 52 years old.
Riwayat Pendidikan Educational Background
• Sarjana Ekonomi, STIE Kuningan tahun 2000 • Bachelor of Economics, STIE Kuningan 2000
• Magister Manajemen, STIE Ganesha tahun 2003 • Master in Management, STIE Ganesha 2003
Dasar Hukum Pengangkatan Legal Basis of Appointment
Menjabat sebagai Pemimpin Divisi Manajemen Risiko berdasarkan Surat Menjabat sebagai Pemimpin Divisi Manajemen Risiko berdasarkan Surat
Keputusan Direksi No. 0871/SK/DIR-HC/2019. Keputusan Direksi No. 0871/SK/DIR-HC/2019.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 1991 dengan riwayat jabatan sebagai berikut: Joined bank bjb in 1991 with the following position history:
• Pemimpin Divisi Hukum sejak Desember 2018 hingga Juli 2019 • Head of Legal Division from December 2018 to July 2019
• Pemimpin Divisi Manajemen Anak Perusahaan sejak Oktober 2018 • Head of Subsidiary Management Division from October 2018 to
hingga Desember 2018 December 2018
• Head of General Affairs Division from May 2017 to October 2018
• Pemimpin Divisi Umum sejak Mei 2017 hingga Oktober 2018
Sertifikasi Certification
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
• PECB ISO 37301 • PECB ISO 37301
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 913
Page 405
TATA KELOLA
PERUSAHAAN
Nancy Adistyasari
Direktur Komersial & Usaha Mikro Kecil dan Menengah (UMKM) /
Anggota Tetap /
Director of Commercial & Micro, Small and Medium Enterprises (MSMEs)
/ Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bojonegoro pada tahun 1981, usia 42 tahun per Desember Born in Bojonegoro in 1981, 42 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
Sarjana Bidang Geofisika dan Meteorologi dari Institut Teknologi Bandung Bachelor of Geophysics and Meteorology from the Bandung Institute of
(2004). Technology (2004).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Appointed as Director of bank bjb for the first time based on the
Akta RUPS Luar Biasa Nomor 03 tanggal 01 September 2020. Extraordinary GMS Deed Number 03 dated September 1, 2020.
Pengalaman Kerja Work Experience
• Vice President Sector Energy Department Corporate Banking Bank • Vice President Sector Energy Department Corporate Banking Bank
Mandiri (2016 - 2019). Mandiri (2016 - 2019).
• Senior Vice President Commercial Banking 5 Group Bank Mandiri (2019 • Senior Vice President Commercial Banking 5 Group Bank Mandiri (2019
- 2020). - 2020).
• Direktur Komersial dan Usaha Mikro Kecil dan Menengah bank bjb • Director of Commercial and Micro small and Medium Enterprises bank
(2020 – saat ini). bjb (2020 – present).
Periode dan Masa Jabatan Period of Service
1 September 2020 - saat ini September 1, 2020 - currently
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh LSPP (2020). Level 7 Risk Management Certification by LSPP (2020).
Laporan Tahunan 2023
914 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 406
CORPORATE
GOVERNANCE
Arief Setyahadi
Pemimpin Divisi Manajemen Anak Perusahaan/Anggota Tetap /
Head of Subsidiary Management Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 19 Agustus 1969, usia 55 tahun per Desember 2023. Born on August 19 1969, 55 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Ilmu Administrasi Negara dari Universitas Gadjah Mada • Bachelor in State Administration from Gadjah Mada University (1992)
(1992)
• Magister di bidang Manajemen dari STIE Ekuitas (2018) • Masters in Management from STIE Equity (2018)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Manajemen Anak Perusahaan sejak 2021 Served as Head of Subsidiary Management Division from 2021 to present
s.d saat ini berdasarkan Surat Keputusan Direksi No. 0039/SK/DIR-HC/2021. based on Directors’ Decree No. 0039/SK/DIR-HC/2021.
Pengalaman Kerja Work Experience
• CEO Regional Kantor Wilayah 1 Tahun 2019 • Regional CEO of Region 1 Office 2019
• Pemimpin Divisi Penyelamatan & Penyelesaian Kredit Tahun 2020 • Head of Credit Rescue & Settlement Division in 2020
Periode dan Masa Jabatan Period of Service
1 Februari 2021 - saat ini February 1, 2021 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• Certified International Merger and Acquisition (CIMA) • Certified International Merger and Acquisition (CIMA)
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 915
Page 407
TATA KELOLA
PERUSAHAAN
PELATIHAN ANGGOTA KOMITE MANAJEMEN RISIKO TRAINING OF INTEGRATED RISK MANAGEMENT
TERINTEGRASI COMMITTEE MEMBERS
Pelatihan yang telah diikuti anggota komite selama tahun 2023 The training that has been attended by committee members
adalah sebagai berikut. during 2023 is as follows.
Nama Jabatan Pelatihan
Name Position Training
Ketua Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Cecep Trisna
Chairman It can be seen in the Training/Competency Development section for Directors
Sekretaris Dapat dilihat pada Pelatihan Komite Manajemen Risiko
Asep Dani Fadillah
Secretary It can be seen in the Risk Management Committee Training
Anggota Tetap Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Nancy Adistyasari
Permanent member It can be seen in the Training/Competency Development section for Directors
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi dan
Anggota Tetap Keunggulan Kompetitif
Arief Setyahadi
Permanent member Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive
Advantage
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Certified Risk Professional (CRP)
Certified Risk Professional (CRP)
Pengenalan Digital
Digital Introduction
Executive Workshop 2023 Be One : Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023
Commitments Through Fee Based Income Quality Credit
Leaders Talk : Leading Successful Business
Leaders Talk : Leading Successful Business
Program Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Level 7 Risk Management Certification Maintenance/Refreshment Program
PERNYATAAN INDEPENDENSI KOMITE MANAJEMEN INDEPENDENCE STATEMENT OF THE INTEGRATED
RISIKO TERINTEGRASI RISK MANAGEMENT COMMITTEE
Seluruh anggota komite tidak memiliki afiliasi dengan Direktur All committee members had no affiliation with Other Directors,
Lainnya, Komisaris maupun Pemegang Saham Pengendali, Commissioners or Controlling Shareholders, and were not
bukan merupakan pemegang saham Perseroan yang dapat shareholders of the Company which might affect their ability to
mempengaruhi kemampuannya untuk bertindak independen, act independently, and were not Commissioners, Directors or
Komisaris, Direktur maupun karyawan dari perusahaan yang employees of companies that had affiliation or business with the
memiliki afiliasi maupun bisnis dengan Perseroan. Company.
RAPAT DAN PELAKSANAAN TUGAS KOMITE MEETINGS AND IMPLEMENTATION OF THE TASKS OF
MANAJEMEN RISIKO TERINTEGRASI THE INTEGRATED RISK MANAGEMENT COMMITTEE
Selama tahun 2023, Komite Manajemen Risiko Terintegrasi telah During 2023, the Integrated Risk Management Committee has
melaksanakan kegiatan diantaranya menyelenggarakan rapat carried out activities including holding 1 (one) meeting with the
sebanyak 1 (satu) kali dengan agenda sebagai berikut: following agenda:
Laporan Tahunan 2023
916 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 408
CORPORATE
GOVERNANCE
Tanggal Agenda
No.
Date Agenda
1 7 September 2023 - Laporan Profil Risiko Terintegrasi dan Konsolidasi
September 7, 2023 - Penerapan manajemen risiko, kepatuhan dan audit terintegrasi
- Pembahasan Kinerja Konglomerasi Keuangan
- Risk Appetite Statement dan Tolerance Konglomerasi Keuangan
- Integrated and Consolidated Risk Profile Report
- Implementation of integrated risk management, compliance and audit
- Discussion of Financial Conglomeration Performance
- Risk Appetite Statement and Tolerance of Financial Conglomerates
Assets and Liability Committee (ALCO) Assets and Liability Committee (ALCO)
ALCO dibentuk untuk membantu Direksi dalam menetapkan ALCO was formed to assist the Directors in determining strategies
strategi terhadap pengendalian risiko likuidasi dan rentabilitas for controlling liquidation risk and profitability as well as making
serta pengambilan keputusan manajemen dalam rangka management decisions in the context of managing assets and
pengelolaan assets dan liability. liabilities.
STRUKTUR DAN KEANGGOTAAN ASSETS AND ASSETS AND LIABILITY COMMITTEE (ALCO)
LIABILITY COMMITTEE (ALCO) STRUCTURE AND MEMBERSHIP
Struktur dan keanggotaan Assets and Liabiliy Committee (ALCO) The structure and membership of the Assets and Liability
berdasarkan Surat Keputusan Direksi Nomor 1312/SK/DIR- Committee (ALCO) based on the Decree of the Directors Number
TRE/2019 Tentang Pedoman Kerja Asset and Liability Committee 1312/SK/DIR-TRE/2019 concerning the Asset and Liability
(ALCO) adalah sebagai berikut Committee (ALCO) Work Guidelines were as follows
Ketua ALCO (Merangkap Anggota Tetap)
Direktur Utama
Chairman of ALCO (Concurrently Permanent
President director
Member)
• Direktur yang membidangi Treasury
• Direktur yang membidangi Keuangan dan/atau Manajemen Risiko
• Direktur yang membidangi Bisnis Perkreditan
Wakil Ketua ALCO (Merangkap Anggota Tetap)
• Direktur yang membidangi Bisnis Dana & Jasa
Deputy Chairman of ALCO (Concurrently
• Director in charge of Treasury
Permanent Member) • Director in charge of Finance and/or Risk Management
• Director in charge of Credit Business
• Director in charge of Fund & Services Business
Sekretaris ALCO (Merangkap Anggota Tetap)
Pemimpin Divisi Treasury
Secretary of ALCO (concurrently Permanent
Head of Treasury Division
Member)
Sekretaris ALCO Pengganti Alternatif I
(Merangkap Anggota Tetap) Pemimpin Divisi Manajemen Risiko
Alternative ALCO Secretary I (Concurrently Head of Risk Management Division
Permanent Member)
Sekretaris ALCO Pengganti Alternatif II
(Merangkap Anggota Tetap) Pemimpin Divisi Pengendalian Keuangan
Sekretaris ALCO Pengganti Alternatif II (Merangkap Head of Financial Control Division
Anggota Tetap)
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 917
Page 409
TATA KELOLA
PERUSAHAAN
1. Direktur yang membidangi Operasional
2. SEVP Credit Risk
3. SEVP Bisnis
4. Pemimpin Divisi Kredit Konsumer & Ritel
5. Pemimpin Divisi Korporasi & Komersial
6. Pemimpin Divisi KPR & KKB
7. Pemimpin Divisi Kredit UMKM
8. Pemimpin Divisi Hubungan Kelembagaan
9. Pemimpin Divisi Dana & Jasa Konsumer
10. Pemimpin Divisi International Banking
11. Pemimpin Divisi Perencanaan Strategis
12. Pemimpin Divisi Jaringan & Layanan
Anggota Tetap 13. Pemimpin Divisi Penyelamatan & Penyelesaian Kredit
Permanent Member 1. Director in charge of Operations
2. SEVP Credit Risk
3. SEVP Business
4. Head of Consumer & Retail Credit Division
5. Head of Corporate & Commercial Division
6. Head of KPR & KKB Division
7. Head of the MSME Credit Division
8. Head of Institutional Relations Division
9. Head of the Consumer Funds & Services Division
10. Head of International Banking Division
11. Head of Strategic Planning Division
12. Network & Services Division Leader
13. Head of Credit Rescue & Settlement Division
Anggota Tidak Tetap Para Undangan Sesuai dengan materi pembahasan
Non-Permanent Member The Invitees According to the subject matter of the discussion
TUGAS, WEWENANG, DAN TANGGUNG JAWAB DUTIES, AUTHORITIES, AND RESPONSIBILITIES OF
ASSETS AND LIABILITY COMMITTEE (ALCO) THE ASSETS AND LIABILITY COMMITTEE (ALCO)
Tugas, wewenang dan tanggung jawab Asset and Liability The duties, powers and responsibilities of the Asset and Liability
Committee (ALCO) adalah sebagai berikut: Committee (ALCO) were as follows:
1. Bertanggung jawab atas pencapaian rentabilitas bank bjb 1. Responsible for achieving bank bjb profitability in accordance
sesuai dengan target keuntungan (laba), pertumbuhan neraca with profit targets, balance sheet growth and several
dan beberapa ukuran rentabilitas yang telah ditetapkan dalam profitability measures that have been set in the budget.
anggaran.
2. Melakukan rapat secara berkala mini–mum sebulan sekali 2. Conducting regular meetings at least once a month to assess,
untuk menilai, merencanakan dan mengambil langkah berupa plan and take steps in the form of policies and action plans to
kebijakan dan action plan untuk mencapai target rencana achieve the work plan and budget targets with the realization
kerja dan anggaran dengan realisasi yang terjadi serta usulan that occured as well as proposals for possible budget changes
kemungkinan perubahan anggaran. .
3. Merumuskan dan memutuskan pricing strategy yang meliputi: 3. Formulating and deciding on a pricing strategy which
included:
a. Loan Pricing (Prime Lending Rate, Based Rate, dan lainnya) a. Loan Pricing (Prime Lending Rate, Based Rate, etc)
b. Deposit Pricing (Demand Deposit, Time Deposit, dan b. Deposit Pricing (Demand Deposit, Time Deposit, etc)
lainnya)
c. Pricing Produk dan Jasa Bank Lainnya. c. Pricing of Other Bank Products and Services.
4. Untuk penetapan tingkat suku bunga khusus Deposito 4. Determining the special interest rates for Deposits (Special
(Special Rate Deposito) dan Deposit On Call (DOC), diberikan Rate Deposits) and Deposit On Call (DOC), the Head of the
kewenangan kepada Pemimpin Divisi Tresuri dengan Treasury Division was given the authority to consider the level
mempertimbangkan tingkat likuiditas dan persaingan bunga of liquidity and interest competition in the market.
di pasar.
Laporan Tahunan 2023
918 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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CORPORATE
GOVERNANCE
5. Melakukan rapat secara berkala untuk menilai, mengevaluasi 5. Conducting regular meetings to assess, evaluating the Bank’s
performance Bank yang berkaitan dengan posisi gap performance related to gap management position, maximum
management, batas maksimum pemberian kredit (BMPK) dan lending limit (BMPK) and Net Open Position (PDN).
Posisi Devisa Netto (PDN).
6. Mengevaluasi posisi suku bunga bank bjb dan strategi bank 6. Evaluating bank bjb interest rate position and bank bjb
bjb untuk memastikan bahwa hasil risk taking position Bank strategy to ensure that the results of the Bank’s risk taking
telah konsisten dengan tujuan pengelolaan risiko suku bunga. position are consistent with the objectives of interest rate risk
management.
7. Mereview secara periodik posisi likuiditas bank bjb dan 7. Periodically reviewing the liquidity position of bank bjb and
merumuskan besarnya persentase likuiditas yang akan formulating the percentage of liquidity to be maintained by
dipertahankan oleh bank bjb. bank bjb.
8. Mereview secara periodik posisi alokasi penempatan dana 8. Periodically reviewing the position of bank bjb fund placement
bank bjb pada aktiva yang menghasilkan (earning assets) dan allocation on earning assets and formulating the optimal
merumuskan pada alokasi dana pada earning assets yang allocation of funds on earning assets.
optimal.
9. Mereview secara periodik posisi sumber dana bank bjb 9. Periodically reviewing the position of bank bjb sources of
dan merumuskan komposisi jenis-jenis sumber dana yang funds and formulating the composition of the types of sources
menghasilkan cost of funds yang optimal. of funds that produce optimal cost of funds.
10. Mereview secara periodik posisi dan eksposur penempatan 10. Periodically reviewing the position and exposure of fund
dana di pasar uang antar bank bjb dengan menetapkan limit placements on the interbank bjb money market by setting a
global besarnya aset bank bjb pada penempatan dana di global limit on the size of bank bjb assets on fund placements
pasar uang. in the money market.
11. Mereview dan merencanakan secara periodik posisi kualitas 11. Reviewing and planning periodically the position of the quality
Portofolio perkreditan, juga menetapkan besarnya posisi loan of the credit portfolio, also determining the size of the loan to
to deposit Ratio (LDR) yang akan diambil bank bjb. deposit Ratio (LDR) position to be taken by bank bjb.
12. Melakukan pembahasan mengenai posisi permodalan bank 12. Discussing the capital position of bank bjb in an effort to
bjb dalam upaya mencapai posisi Capital Adequacy Ratio achieve the position of the Capital Adequacy Ratio determined
yang ditentukan oleh Bank Indonesia dengan melaksanakan by Bank Indonesia by carrying out careful capital planning.
capital planning yang cermat.
13. Mereview pembahasan/review mengenai posisi/alokasi 13. Reviewing the discussion/review on the position/allocation of
dana pada penyertaan dan investasi Bank pada surat-surat funds in the Bank’s participation and investment in securities,
berharga, serta pada jumlah yang optimal atas harta tetap as well as on the optimal amount of fixed assets and office
dan inventaris kantor. inventory.
14. Mereview deviasi antara hasil aktual dengan proyeksi 14. Reviewing the deviation between actual results with budget
anggaran dan rencana bisnis bank bjb. projections and bank bjb business plans.
15. Menyampaikan informasi kepada Direksi mengenai setiap 15. Delivering information to the Directors regarding any
perkembangan ketentuan dan peraturan terkait yang developments in related provisions and regulations affecting
mempengaruhi strategi dan kebijakan bank bjb. bank bjb strategies and policies.
16. Melaksanakan rapat-rapat lainnya yang disyaratkan oleh 16. Carrying out other meetings required by changes occuring in
perubahan-perubahan yang terjadi di pasar ataupun the market or changes in terms of government regulations
perubahan-perubahan dari segi regulasi pemerintah yang that occur suddenly.
terjadi secara tiba-tiba.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 919
Page 411
TATA KELOLA
PERUSAHAAN
PROFIL ANGGOTA ASSETS AND LIABILITY PROFILE OF ASSETS AND LIABILITY COMMITTEE
COMMITTEE (ALCO) (ALCO) MEMBERS
Yuddy Renaldi
Direktur Utama /Ketua /
President Director/Chairman
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Tangerang Selatan South Tangerang
Lahir di Bogor pada tahun 1964, usia 59 tahun per Desember Born in Bogor in 1964, 59 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Ekonomi Akuntansi dari Universitas Trisakti Jakarta (1990). • Bachelor of Economics in Accounting from Trisakti University, Jakarta
• Master bidang Manajemen dari STIE IPWI Jakarta (2000). (1990).
• Master of Management from STIE IPWI Jakarta (2000).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur Utama bank bjb untuk pertama kalinya Appointed as President Director of bank bjb for the first time based on
berdasarkan RUPS Tahunan No. 87 tanggal 30 April 2019 yang perubahannya Annual GMS No. 87 dated April 30, 2019, the amendments of which are
ditetapkan berdasarkan Akta No. 42 tanggal 13 Desember 2019. stipulated based on Deed no. 42 dated December 13, 2019.
Pengalaman Kerja Work Experience
• Group Head Subsidiaries Management Bank Mandiri (2016 – 2017). • Group Head Subsidiaries Management Bank Mandiri (2016 – 2017).
• Senior Executive Vice President Remedial & Recovery Bank BNI (2017- • Senior Executive Vice President Remedial & Recovery Bank BNI (2017-
2019). 2019).
• Direktur Utama bank bjb (2019 – saat ini). • President Director of bank bjb (2019 – present).
Periode dan Masa Jabatan Period of Service
13 Desember 2019 - saat ini December 13, 2019 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh IBI dan LSPP (2019). Level 7 Risk Management Certification by IBI and LSPP (2019).
Laporan Tahunan 2023
920 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 412
CORPORATE
GOVERNANCE
Rio Lanasier
Direktur Information Technology, Treasury & International Banking /
Wakil Ketua /
Director of Information Technology, Treasury & International Banking /
Deputy Chairman
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Jakarta Selatan South Jakarta
Lahir di Tangerang pada tahun 1975, usia 48 tahun per Desember Born in Tangerang in 1975, 48 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Teknik Sipil dari Universitas Katolik Parahyangan Bandung • Bachelor’s degree in Civil Engineering from Parahyangan Catholic
(1998). University, Bandung (1998).
• Master bidang Civil & Environment Engineering dari University of New • Master in Civil & Environmental Engineering from the University of New
South Wales Sydney Australia (2000). South Wales Sydney Australia (2000).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Appointed as Director of bank bjb for the first time based on Annual GMS
RUPS Tahunan No. 87 tanggal 30 April 2019 yang perubahannya ditetapkan No. 87 dated April 30, 2019, the amendments of which are stipulated based
berdasarkan Akta No. 42 tanggal 13 Desember 2019. on Deed no. 42 dated December 13, 2019.
Pengalaman Kerja Work Experience
• Direktur Treasury, Financial Institution, Funding & Fintech Solution • Director of Treasury, Financial Institutions, Funding & Fintech Solutions
(2016-2019). (2016-2019).
• Direktur Information Technology, Treasury & International Banking bank • Director of Information Technology, Treasury & International Banking
bjb (2019 – saat ini). bank bjb (2019 – present).
Periode dan Masa Jabatan Period of Service
30 April 2019 - Saat ini April 30, 2019 - Present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh LSPP (2019). Level 7 Risk Management Certification by LSPP (2019).
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 921
Page 413
TATA KELOLA
PERUSAHAAN
Nia Kania
Direktur Keuangan/Wakil Ketua /
Director of Finance/Deputy Chairman
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1966, usia 57 tahun per Desember Born in Bandung in 1966, 57 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana Bidang Ekonomi dari Universitas Padjadjaran Bandung (1990). • Bachelor of Economics from Padjadjaran University, Bandung (1990).
• Master Bidang Hukum dari Universitas Padjadjaran Bandung (2020) • Master of Law from Padjadjaran University Bandung (2020)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Akta Appointed as Director of bank bjb for the first time based on EGMS Deed
RUPSLB No. 221 tanggal 19 Desember 2014. Diangkat kembali berdasarkan No. 221 dated December 19, 2014. Reappointed based on Annual GMS
Akta RUPS Tahunan No. 105 tanggal 28 Februari 2018. Kemudian diangkat Deed No. 105 dated February 28, 2018. Then reappointed based on Annual
kembali berdasarkan Akta RUPS Tahunan No. 154 tanggal 30 Maret 2022. GMS Deed No. 154 dated March 30, 2022.
Pengalaman Kerja Work Experience
• Direktur Utama Dana Pensiun bank bjb (2013-2014). • President Director of bank bjb Pension Fund (2013-2014).
• Pemimpin Divisi Jaringan dan Layanan bank bjb (2014). • Head of bank bjb Network and Services Division (2014).
• Direktur Keuangan bank bjb (2014-2018). • Director of Finance at bank bjb (2014-2018).
• Direktur Keuangan dan Manajemen Risiko bank bjb (2018 – 2021). • Director of Finance and Risk Management bank bjb (2018 – 2021).
• Direktur Keuangan bank bjb (2021 – saat ini). • Director of Finance bank bjb (2021 – present).
Periode dan Masa Jabatan Period of Service
• 19 Desember 2014 – Penutupan RUPS tahun 2018 (periode pertama). • 19 December 2014 – Closing of the 2018 GMS (first period).
• 28 Februari 2018 – Penutupan RUPS Tahun 2021 (periode kedua). • 28 February 2018 – Closing of the 2021 GMS (second period).
• 30 Maret 2022 – saat ini (periode ketiga). • March 30, 2022 – present (third period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh LSPP (2020). Level 7 Risk Management Certification by LSPP (2020).
Laporan Tahunan 2023
922 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 414
CORPORATE
GOVERNANCE
Suartini
Direktur Konsumer & Ritel/Wakil Ketua /
Director of Consumer & Retail/Deputy Chairman
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1968, usia 55 tahun per Desember Born in Bandung in 1968, 55 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
Sarjana Bidang Statistika dari Universitas Padjadjaran Bandung (1993). Bachelor of Statistics from Padjadjaran University, Bandung (1993).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Akta Appointed as Director of bank bjb for the first time based on EGMS Deed
RUPSLB No. 221 tanggal 19 Desember 2014. Diangkat kembali berdasarkan No. 221 dated December 19, 2014. Reappointed based on Annual GMS
Akta RUPS Tahunan No. 105 tanggal 28 Februari 2018. Kemudian diangkat Deed No. 105 dated February 28, 2018. Then reappointed based on Annual
kembali berdasarkan Akta RUPS Tahunan No. 154 tanggal 30 Maret 2022. GMS Deed No. 154 dated March 30, 2022.
Pengalaman Kerja Work Experience
• Direktur Komersial bank bjb (2014-2018). • Commercial Director of bank bjb (2014-2018).
• Direktur Konsumer dan Ritel bank bjb (2018). • Director of Consumer and Retail bank bjb (2018).
• Direktur Konsumer dan Ritel yang melaksanakan tugas sebagai Direktur • Director of Consumer and Retail who carries out duties as Director of
Komersial dan Usaha Mikro Kecil dan Menengah bank bjb (2018). Commercial and Micro small and Medium Enterprises bank bjb (2018).
• Direktur Konsumer & Ritel bank bjb (2018 – saat ini). • Director of Consumer & Retail bank bjb (2018 – present).
Periode dan Masa Jabatan Period of Service
• 19 Desember 2014 – Penutupan RUPS tahun 2018 (periode pertama). • 19 December 2014 – Closing of the 2018 GMS (first period).
• 28 Februari 2018 – Penutupan RUPS Tahun 2021 (periode kedua). • 28 February 2018 – Closing of the 2021 GMS (second period).
• 30 Maret 2022 – saat ini (periode ketiga). • March 30, 2022 – present (third period).
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Level 5 oleh IBI (2018). Level 5 Risk Management Certification by IBI (2018).
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 923
Page 415
TATA KELOLA
PERUSAHAAN
Nancy Adistyasari
Direktur Komersial & Usaha Mikro Kecil dan Menengah (UMKM) /Wakil
Ketua /
Director of Commercial & Micro, Small and Medium Enterprises (MSMEs)
/ Deputy Chairman
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bojonegoro pada tahun 1981, usia 42 tahun per Desember Born in Bojonegoro in 1981, 42 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
Sarjana Bidang Geofisika dan Meteorologi dari Institut Teknologi Bandung Bachelor of Geophysics and Meteorology from the Bandung Institute of
(2004). Technology (2004).
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Appointed as Director of bank bjb for the first time based on the
Akta RUPS Luar Biasa Nomor 03 tanggal 01 September 2020. Extraordinary GMS Deed Number 03 dated September 1, 2020.
Pengalaman Kerja Work Experience
• Vice President Sector Energy Department Corporate Banking Bank • Vice President Sector Energy Department Corporate Banking Bank
Mandiri (2016 - 2019). Mandiri (2016 - 2019).
• Senior Vice President Commercial Banking 5 Group Bank Mandiri (2019 • Senior Vice President Commercial Banking 5 Group Bank Mandiri (2019
- 2020). - 2020).
• Direktur Komersial dan Usaha Mikro Kecil dan Menengah bank bjb • Director of Commercial and Micro small and Medium Enterprises bank
(2020 – saat ini). bjb (2020 – present).
Periode dan Masa Jabatan Period of Service
01 September 2020 - saat ini September 01, 2020 - current
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh LSPP (2020). Level 7 Risk Management Certification by LSPP (2020).
Laporan Tahunan 2023
924 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 416
CORPORATE
GOVERNANCE
Hana Dartiwan
Pemimpin Divisi Treasury/Sekretaris /
Head of Treasury Division/Secretary
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 23 Januari 1970, usia 53 tahun per Desember 2023. Born on January 23, 1970, 53 years old as of December 2023.
Riwayat Pendidikan Educational Background
ˆ• Sarjana di bidang Teknik dan Manajemen Industri dari Universitas Islam • Bachelor’s degree in Industrial Engineering and Management from
Bandung (1996) Bandung Islamic University (1996)
• Magister di bidang Manajemen Keuangan dari Universitas Padjadjaran • Masters in Financial Management from Padjadjaran University (2009)
(2009)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Treasury sejak 2018 s.d saat ini Served as Head of the Treasury Division from 2018 until now based on
berdasarkan Surat Keputusan Direksi No. 1135/ SK/DIR-HC/2018. Directors’ Decree No. 1135/SK/DIR-HC/2018.
Pengalaman Kerja Work Experience
• Pemimpin Kantor Cabang Pembantu tahun 2014 • Head of Sub-Branch Office in 2014
• Pemimpin Grup Manajemen Likuiditas & Alm tahun 2015 • Head of Liquidity & Alm Management Group in 2015
Periode dan Masa Jabatan Period of Service
8 Oktober 2018 - saat ini October 8, 2018 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
• Treasury Dealer tingkat Advance • Advance level Treasury Dealer
• Standar Profesi Dana Pensiun • Pension Fund Professional Standards
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 925
Page 417
TATA KELOLA
PERUSAHAAN
Asep Dani Fadilah
Pemimpin Divisi Manajemen Risiko Kredit, Pasar & Terintegrasi/ Sekretaris
Pengganti Alternatif I/
Head of Credit, Market & Integrated Risk Management Division/
Alternative Substitute Secretary I
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada Kuningan, 1 Juni 1971saat ini berusia 52 tahun. Born in Kuningan, June 1 1971, currently 52 years old.
Riwayat Pendidikan Educational Background
• Sarjana Ekonomi, STIE Kuningan tahun 2000 • Bachelor of Economics, STIE Kuningan 2000
• Magister Manajemen, STIE Ganesha tahun 2003 • Master in Management, STIE Ganesha 2003
Dasar Hukum Pengangkatan Legal Basis of Appointment
Menjabat sebagai Pemimpin Divisi Manajemen Risiko berdasarkan Surat Menjabat sebagai Pemimpin Divisi Manajemen Risiko berdasarkan Surat
Keputusan Direksi No. 0871/SK/DIR-HC/2019. Keputusan Direksi No. 0871/SK/DIR-HC/2019.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 1991 dengan riwayat jabatan sebagai berikut: Joined bank bjb in 1991 with the following position history:
• Pemimpin Divisi Hukum sejak Desember 2018 hingga Juli 2019 • Head of Legal Division from December 2018 to July 2019
• Pemimpin Divisi Manajemen Anak Perusahaan sejak Oktober 2018 • Head of Subsidiary Management Division from October 2018 to
hingga Desember 2018 December 2018
• Head of General Affairs Division from May 2017 to October 2018
• Pemimpin Divisi Umum sejak Mei 2017 hingga Oktober 2018
Sertifikasi Certification
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
• PECB ISO 37301 • PECB ISO 37301
Laporan Tahunan 2023
926 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 418
CORPORATE
GOVERNANCE
Muhammad Asadi Budiman
Pemimpin Divisi Pengendalian Keuangan/ Sekretaris Pengganti
Alternatif II /
Head of Financial Control Division/Alternative Substitute Secretary II
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 7 Juni 1981, usia 42 tahun per Desember 2023. Born on June 7 1981, 42 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Ekonomi dari Universitas Padjadjaran (2004) • Bachelor in Economics from Padjadjaran University (2004)
• Magister di bidang Ekonomi dari Universitas Padjadjaran (2009) • Masters in Economics from Padjadjaran University (2009)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Pengendalian Keuangan sejak 2020 s.d Served as Head of the Financial Control Division from 2020 to the present
saat ini berdasarkan surat keputusan direksi No. 0069/SK/DIR-HCA/2020. based on Director’s Decree No. 0069/SK/DIR-HCA/2020.
Pengalaman Kerja Work Experience
• Pemimpin Divisi Treasury tahun 2017 • Head of Treasury Division in 2017
• Pemimpin Divisi Corporate Secretary tahun 2018 • Head of Corporate Secretary Division in 2018
Periode dan Masa Jabatan Period of Service
3 Februari 2020 - saat ini February 3, 2020 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• Certified International Merger and Azquisition (CIMA) • Certified International Merger and Acquisition (CIMA)
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
• Sertifikasi Treasury Dealer Tingkat Advance • Advanced Level Treasury Dealer Certification
• Certified Investor Relation • Certified Investor Relations
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 927
Page 419
TATA KELOLA
PERUSAHAAN
Tedi Setiawan
Direktur Operasional/Anggota Tetap /
Director of Operations/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung pada tahun 1966, usia 57 tahun per Desember Born in Bandung in 1966, 57 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana bidang Administrasi Negara dari Universitas Parahyangan • Bachelor’s degree in Public Administration from Parahyangan University,
Bandung (1991). Bandung (1991).
• Master bidang Manajemen Keungan dari Universitas Pasundan Bandung • Master in Financial Management from Pasundan University Bandung
(2017). (2017).
• Doktor bidang Manajemen di Universitas Pendidikan Indonesia Bandung • Doctorate in Management at Indonesian Education University Bandung
(2023) (2023)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Diangkat sebagai Direktur bank bjb untuk pertama kalinya berdasarkan Appointed as Director of bank bjb for the first time based on Annual GMS
RUPS Tahunan No. 87 tanggal 30 April 2019 yang perubahannya ditetapkan No. 87 dated April 30, 2019, the amendments of which are stipulated based
berdasarkan Akta No. 42 tanggal 13 Desember 2019. on Deed no. 42 dated December 13, 2019.
Pengalaman Kerja Work Experience
• Pemimpin Divisi Perencanaan Strategis (2015-2018). • Head of Strategic Planning Division (2015-2018).
• Senior Executive Vice President Credit Risk (2018-2019). • Senior Executive Vice President Credit Risk (2018-2019).
• Direktur Operasional bank bjb (2019 – saat ini). • Operational Director of bank bjb (2019 – present).
Periode dan Masa Jabatan Period of Service
30 April 2019 - saat ini April 30, 2019 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 oleh BSMR (2020). Level 7 Risk Management Certification by BSMR (2020).
Laporan Tahunan 2023
928 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 420
CORPORATE
GOVERNANCE
Galis Prasetya
Senior Executive Vice President Credit Risk/Anggota Tetap /
Senior Executive Vice President Credit Risk/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 19 Maret 1971 usia 52 tahun per 31 Desember 2023. Born on March 19 1971, 52 years old as of December 31, 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang ilmu Manajemen dari STIE YPKP Bandung (1999) • Bachelor in Management from STIE YPKP Bandung (1999)
• Magister di bidang ilmu Manajemen Keuangan dari STIE PERBANAS • Master in Financial Management from STIE PERBANAS (2005)
(2005)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Senior Executive Vice President Credit Risk sejak 2019 berdasarkan Surat Senior Executive Vice President Credit Risk since 2019 based on Directors’
Keputusan Direksi No. 0871/SK/DIR-HC/2019. Decree No. 0871/SK/DIR-HC/2019.
Pengalaman Kerja Work Experience
• CEO Regional 3 (April 2019 – Agustus 2019) • Regional CEO 3 (April 2019 – August 2019)
• CEO Regional 1 (Maret 2019 – April 2019 • Regional CEO 1 (March 2019 – April 2019
Periode dan Masa Jabatan Period of Service
6 Agustus 2019 - saat in August 6, 2019 - current
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 929
Page 421
TATA KELOLA
PERUSAHAAN
Beny Riswandi
Senior Executive Vice President Bisnis/Anggota Tetap /
Senior Executive Vice President Business/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 26 April 1968, usia 55 tahun per Desember 2023. Born on April 26, 1968, 55 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang ilmu Perbankan dari Universitas Tirtayasa Banten • Bachelor’s degree in Banking from Tirtayasa University, Banten (2000)
(2000)
• Magister di bidang ilmu Manajemen Pemasaran dari Universitas • Masters in Marketing Management from Padjadjaran University
Padjadjaran Bandung (2009) Bandung (2009)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Senior Executive Vice President Bisnis sejak 2019 s.d saat Served as Senior Executive Vice President of Business from 2019 until now
ini berdasarkan Surat Keputusan Direksi No. 0871/SK/DIR-HC/2019. based on Directors’ Decree No. 0871/SK/DIR-HC/2019.
Pengalaman Kerja Work Experience
• Pemimpin Divisi Korporasi & Komersial Sejak Tahun 2016 • Head of Corporate & Commercial Division Since 2016
• SEVP Komersial & UMKM Tahun 2018 • SEVP Commercial & MSME 2018
Periode dan Masa Jabatan Period of Service
24 Juli 2019 - saat ini July 24, 2019 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Laporan Tahunan 2023
930 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 422
CORPORATE
GOVERNANCE
Yusuf Saadudin
Pemimpin Divisi Kredit Konsumer /Anggota Tetap /
Head of Consumer Credit Division / Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 7 Juni 1973, Usia 50 tahun per Desember 2023. Born on June 7, 1973, 50 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Akuntansi dari Universitas Padjadjaran (1999) • Bachelor in Accounting from Padjadjaran University (1999)
• Magister di bidang Hukum Ekonomi dan Bisnis dari Universitas Pasundan • Masters in Economics and Business Law from Pasundan University
Bandung (2015) Bandung (2015)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Kredit Konsumer sejak 2021 berdasarkan Served as Head of the Consumer Credit Division since 2021 based on
Surat Keputusan Direksi No. 0039/SK/DIR-HC/2021 Directors’ Decree No. 0039/SK/DIR-HC/2021
Pengalaman Kerja Work Experience
• Pemimpin Divisi Kredit Konsumer (Februari 2021 – saat ini) • Head of Consumer Credit Division (February 2021 – present)
• Pemimipn Divisi KPR & KKB (Agustus 2019 – Februari 2021) • Head of KPR & KKB Division (August 2019 – February 2021)
• Pemimpin Divisi Credit Risk (Mei 2017 – Agustus 2019) • Head of Credit Risk Division (May 2017 – August 2019)
Periode dan Masa Jabatan Period of Service
1 Februari 2021 - saat ini February 1, 2021 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 931
Page 423
TATA KELOLA
PERUSAHAAN
Rudy Purwadhi
Pemimpin Divisi Kredit Ritel/Anggota Tetap /
Head of Retail Credit Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 25 Juni 1973, usia 50 tahun per Desember 2023. Born on June 25 1973, 50 years old as of December 2023.
Riwayat Pendidikan Educational Background
Sarjana di bidang Manajemen dari STIE STEMBI Bandung Mada (2014) Bachelor in Management from STIE STEMBI Bandung Mada (2014)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Kredit Ritel sejak 2021 s.d saat ini Served as Head of the Retail Credit Division from 2021 until now based on
berdasarkan Surat Keputusan Direksi No. 0039/SK/DIR-HC/2021 Directors’ Decree No. 0039/SK/DIR-HC/2021
Pengalaman Kerja Work Experience
• Pemimpin Divisi Kredit Ritel (Februari 2021 – saat ini) • Head of Retail Credit Division (February 2021 – present)
• CEO Regional 5 (Agustus 2019 – Februari 2021) • Regional CEO 5 (August 2019 – February 2021)
• Pemimpin Cabang Cikarang (April 2016 – Agustus 2019) • Head of Cikarang Branch (April 2016 – August 2019)
Periode dan Masa Jabatan Period of Service
1 Februari 2021 - saat ini February 1, 2021 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Laporan Tahunan 2023
932 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 424
CORPORATE
GOVERNANCE
Hermawan Mulyana
Pemimpin Divisi Korporasi /Sekretaris Pengganti (Alternatif I) /
Head of Corporate Division / Substitute Secretary (Alternative I)
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 17 Januari 1976, usia 47 tahun per Desember 2023. Born on January 17, 1976, 47 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Manajemen dari Universitas Padjajaran Bandung (2001) • Bachelor in Management from Padjadjaran University Bandung (2001)
• Magister di bidang Manajemen dari STIE Ekuitas (2016) • Masters in Management from STIE Equity (2016)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Pemimpin Divisi Korporasi sejak 2023 s.d saat ini berdasarkan Surat Head of Corporate Division from 2023 to the present based on Directors’
Keputusan Direksi No. 0115/SK/DIR-HCA/2023. Decree No. 0115/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
• Pemimpin Cabang Kebayoran Baru tahun 2017 • Head of Kebayoran Baru Branch in 2017
• Pemimpin Divisi Credit Risk tahun 2021 • Head of Credit Risk Division in 2021
Periode dan Masa Jabatan Period of Service
2 Mei 2023 - saat ini May 2, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemenen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 933
Page 425
TATA KELOLA
PERUSAHAAN
Andy Rachman
Pemimpin Divisi Komersial/Anggota Tetap /
Head of Commercial Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 23 Mei 1977, usia 46 tahun per Desember 2023. Born on May 23, 1977, 46 years old as of December 2023.
Riwayat Pendidikan Educational Background
Sarjana di bidang Akuntansi dari STIE Tridharma (1999) Bachelor in Accounting from STIE Tridharma (1999)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Komersial sejak 2023 s.d saat ini Served as Head of the Commercial Division from 2023 until now based on
berdasarkan Surat Keputusan Direksi No. 0115/SK/DIR-HCA/2023. Directors’ Decree No. 0115/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
• Pemimpin Kantor Cabang Utama Bandung Tahun 2020 • Head of Bandung Main Branch Office in 2020
• CEO Regional Kantor Wilayah 1 Tahun 2021 • Regional CEO of Regional Office 1 in 2021
Periode dan Masa Jabatan Period of Service
2 Mei 2023 - saat ini May 2, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Laporan Tahunan 2023
934 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 426
CORPORATE
GOVERNANCE
Triastoto Hardjanto Wibowo
Pemimpin Divisi KPR & KKB/Anggota Tetap /
Head of KPR & KKB Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 13 November 1969, usia 54 tahun per Desember 2023 Born on November 13, 1969, 54 years old as of December 2023
Riwayat Pendidikan Educational Background
• Sarjana di bidang Teknik Geologi dari Universitas Gadjah Mada (1994) • Bachelor in Geological Engineering from Gadjah Mada University (1994)
• Magister di bidang Manajemen dari Universitas Gadjah Mada (1996) • Master in Management from Gadjah Mada University (1996)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi KPR & KKB sejak 2021 s.d saat ini Served as Head of KPR & KKB Division from 2021 until now based on
berdasarkan Surat Keputusan Direksi No Surat Keputusan Direksi No. 0039/ Directors’ Decree No. Directors’ Decree No. 0039/SK/DIR-HC/2021.
SK/DIR-HC/2021.
Pengalaman Kerja Work Experience
Pemimpin Divisi Kredit Retail & Konsumer tahun 2016 Head of Retail & Consumer Credit Division in 2016
Periode dan Masa Jabatan Period of Service
1 Februari 2021 - saat ini February 1, 2021 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 935
Page 427
TATA KELOLA
PERUSAHAAN
Denny Mulyadi
Pemimpin Divisi Kredit UMKM/Anggota Tetap /
Head of MSME Credit Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 7 Juni 1968, usia 55 tahun per Desember 2023. Born on June 7 1968, 55 years old as of December 2023.
Riwayat Pendidikan Educational Background
Sarjana di bidang Akuntansi dari Universitas Garut (2000) Bachelor in Accounting from Garut University (2000)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Kredit UMKM sejak tahun 2018 s.d saat Served as Head of the MSME Credit Division from 2018 to the present based
ini berdasarkan Surat Keputusan Direksi No. 1135/SK/DIR-HC/2018. on Directors’ Decree No. 1135/SK/DIR-HC/2018.
Pengalaman Kerja Work Experience
• Pemimpin Wilayah Kantor Wilayah 4 tahun 2016 • Regional Leader of Regional Office 4 in 2016
• CEO Regional Kantor Wilayah 4 tahun 2018 • Regional CEO of Region 4 Office in 2018
Periode dan Masa Jabatan Period of Service
10 Oktober 2018 - saat ini October 10, 2018 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Laporan Tahunan 2023
936 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 428
CORPORATE
GOVERNANCE
Isa Anwari
Pemimpin Divisi Hubungan Kelembagaan/Anggota Tetap /
Head of Institutional Relations Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 13 September 1977, usia 46 tahun per Desember Born on September 13 1977, 46 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Manajemen dari Universitas Widyatama (2000) • Bachelor in Management from Widyatama University (2000)
• Magister di bidang Manajemen Keuangan dari Universitas Padjadjaran • Masters in Financial Management from Padjadjaran University (2019)
(2019)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Hubungan Kelembagaan sejak 2019 s.d Served as Head of Institutional Relations Division from 2019 until now based
saat ini berdasarkan Surat Keputusan Direksi 0871/SK/DIR-HC/2019. on Directors’ Decree 0871/SK/DIR-HC/2019.
Pengalaman Kerja Work Experience
• CEO Regional Kantor Wilayah 1 tahun 2018 • Regional CEO of Region 1 Office in 2018
• Pemimpin Divisi Institusional Banking tahun 2018 • Head of Institutional Banking Division in 2018
Periode dan Masa Jabatan Period of Service
24 Juli 2019 - saat ini July 24, 2019 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 6 Level 6 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 937
Page 429
TATA KELOLA
PERUSAHAAN
Edy Kurniawan Saputra
Pemimpin Divisi Dana & Jasa Konsumer/Anggota Tetap /
Head of Consumer Funds & Services Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 10 Juli 1972, usia 51 tahun per Desember 2023 Born on July 10, 1972, 51 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Manajemen dari STIE YAI Jakarta (1997) • Bachelor’s degree in Management from STIE YAI Jakarta (1997)
• Magister di bidang Manajemen dari STIE IPWIJA (2003) • Masters in Management from STIE IPWIJA (2003)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Dana & Jasa Konsumer sejak tahun Served as Head of Consumer Funds & Services Division from 2022 until now
2022 s.d saat ini berdasarkan Surat Keputusan Direksi No. 0322/SK/ DIR- based on Directors’ Decree No. 0322/SK/DIR-HCA/2022.
HCA/2022.
Pengalaman Kerja Work Experience
• Pemimpin Cabang Tangerang Selatan tahun 2015 • Head of South Tangerang Branch in 2015
• CEO Regional Kantor Wilayah 4 tahun 2018 • Regional CEO Regional Office 4 in 2018
Periode dan Masa Jabatan Period of Service
15 Juli 2022 - saat ini July 15, 2022 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 Level 5 Risk Management Certification
Laporan Tahunan 2023
938 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 430
CORPORATE
GOVERNANCE
Diding Erawan
Pemimpin Divisi International & Transaction Banking/Anggota Tetap /
Head of International & Transaction Banking Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 06 September 1979, usia 44 tahun per Desember Born on September 6, 1979, 44 years old as of December 2023.
2023.
Riwayat Pendidikan Educational Background
Sarjana di bidang Ilmu Hukum dari Universitas Padjadjaran (2003) • Bachelor in Law from Padjadjaran University (2003)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi International & Transaction Banking sejak Served as Head of the International & Transaction Banking Division from
tahun 2023 s.d saat ini berdasarkan Surat Keputusan Direksi No. 0285/SK/ 2023 until now based on Directors’ Decree No. 0285/SK/DIR-HCA/2023.
DIR-HCA/2023.
Pengalaman Kerja Work Experience
• Pemimpin Grup Business Support tahun 2022 • Head of Business Support Group in 2022
• Pemimpin Grup Trade Finance & Value Chain tahun 2022 • Head of Trade Finance & Value Chain Group in 2022
Periode dan Masa Jabatan Period of Service
1 September 2023 - saat ini September 1, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 5 Level 5 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 939
Page 431
TATA KELOLA
PERUSAHAAN
Detya Suryadani
Pemimpin Divisi Perencanaan Strategis/Anggota Tetap /
Head of Strategic Planning Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 29 Desember 1979, Usia 44 tahun per Desember 2023. Born on December 29, 1979, 44 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Akuntansi dari Universitas Islam Nusantara (1996) • Bachelor in Accounting from Nusantara Islamic University (1996)
• Magister di bidang Akuntansi dari Universitas Padjadjaran (2003) • Masters in Accounting from Padjadjaran University (2003)
• Magister bidang Administrasi Bisnis dari Institut Teknologi Bandung (ITB) • Master in Business Administration from the Bandung Institute of
(2009) Technology (ITB) (2009)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Perencanaan Strategis sejak 2023 s.d saat Served as Head of the Strategic Planning Division from 2023 until now based
ini berdasarkan Surat Keputusan Direksi No. 0285/SK/DIR-HCA/2023. on Directors’ Decree No. 0285/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
• CEO Regional tahun 2021 • Regional CEO in 2021
• Divisi Kepatuhan & APU-PPT tahun 2021 • Compliance & AML-CFT Division in 2021
Periode dan Masa Jabatan Period of Service
22 September 2023 September 22, 2023
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• PECB Certified ISO 37301 Lead Implementer Sistem Manajemen • PECB Certified ISO 37301 Lead Implementer of Compliance
Kepatuhan Management Systems
• Sertifikasi Kepatuhan Level 2 • Level 2 Compliance Certification
• Sertifikasi Manajemenen Risiko • Risk Management Certification
Laporan Tahunan 2023
940 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 432
CORPORATE
GOVERNANCE
Nunung Suhartini
Pemimpin Divisi Jaringan & Layanan/Anggota Tetap /
Head of Network & Services Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 21 Januari 1971, usia 52 tahun per Desember 2023. Born on January 21 1971, 52 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Manajemen SDM dari STIA LAN RI Bandung (2002) • Bachelor’s degree in HR Management from STIA LAN RI Bandung (2002)
• Magister di bidang Manajemen Pemasaran dari Universitas Pasundan • Masters in Marketing Management from Pasundan University Bandung
Bandung (2004) (2004)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Jaringan & Layanan sejak Tahun 2022 s.d Served as Head of the Network & Services Division from 2022 until now
saat ini berdasarkan Surat Keputusan Direksi No. 0011/SK/ DIR-HCA/2022. based on Directors’ Decree No. 0011/SK/DIR-HCA/2022.
Pengalaman Kerja Work Experience
• Pemimpin Kantor Cabang Saharjo tahun 2019 • Head of Saharjo Branch Office in 2019
• CEO Regional Kantor Wilayah 3 tahun 2019 • Regional CEO of Region 3 Office in 2019
Periode dan Masa Jabatan Period of Service
31 Januari 2022 - saat in January 31, 2022 - current
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 941
Page 433
TATA KELOLA
PERUSAHAAN
Budiatmo Sudradjat
Divisi Penyelamatan & Penyelesaian Kredit/Anggota Tetap /
Credit Rescue & Settlement Division/Permanent Members
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 18 Juni 1979, usia 44 tahun per Desember 2023. Born on June 18, 1979, 44 years old as of December 2023.
Riwayat Pendidikan Educational Background
Sarjana di bidang Akuntansi dari STIE Banten (2008) Bachelor in Accounting from STIE Banten (2008)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Penyelamatan & Penyelesaian Kredit Served as Head of the Credit Rescue & Settlement Division from 2023 until
sejak 2023 s.d saat ini berdasarkan Surat Keputusan Direksi No. 0008/SK/ now based on Directors’ Decree No. 0008/SK/DIR-HCA/2023.
DIR-HCA/2023.
Pengalaman Kerja Work Experience
• Wakil Pemimpin Kantor Cabang Khusus Banten tahun 2018 • Deputy Leader of the Banten Special Branch Office in 2018
• Pemimpin Kantor Cabang Khusus Banten tahun 2020 • Head of Banten Special Branch Office in 2020
Periode dan Masa Jabatan Period of Service
1 Februari 2021 - saat ini February 1, 2021 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko jenjang 5 Level 5 Risk Management Certification
Laporan Tahunan 2023
942 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 434
CORPORATE
GOVERNANCE
PELATIHAN ANGGOTA ASSETS AND LIABILITY TRAINING FOR ASSETS AND LIABILITY COMMITTEE
COMMITTEE (ALCO) (ALCO) MEMBERS
Pelatihan yang telah diikuti anggota komite selama tahun 2023 The training that has been attended by committee members
adalah sebagai berikut. during 2023 is as follows.
Nama Jabatan Pelatihan
Name Position Training
Ketua Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Yuddy Renaldi
Chairman It can be seen in the Training/Competency Development section for Directors
Wakil Ketua Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Rio Lanasier
Vice Chairman It can be seen in the Training/Competency Development section for Directors
Wakil Ketua Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Nia Kania
Vice Chairman It can be seen in the Training/Competency Development section for Directors
Wakil Ketua Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Suartini
Vice Chairman It can be seen in the Training/Competency Development section for Directors
Wakil Ketua Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Nancy Adistyasari
Vice Chairman It can be seen in the Training/Competency Development section for Directors
Sekretaris Program Pemeliharaan/ Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Hana Dartiwan
Secretary Level 7 Risk Management Certification Maintenance/Refreshment Program
Leaders Talk : Leading Successful Business
Leaders Talk : Leading Successful Business
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkualitas
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023
Commitments Through Fee Based Income Quality Credit
Executive Workshop 2023 Be One : Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Sertifikasi Kompetensi Jenjang Kualifikasi Sppur 6 Penatausahaan Surat Berharga Nasabah
(Program Sertifikasi Public Training Hybrid)
Sppur Qualification Level Competency Certification 6 Administration of Customer Securities
(Public Training Hybrid Certification Program)
Pengenalan Digital
Digital Introduction
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Pembelajaran Pasar Modal Bagi Calon Dewan Komisaris bjb Sekuritas
Capital Market Learning for Candidates for the Board of Commissioners of bjb Securities
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi dan
Keunggulan Kompetitif
Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive
Advantage
Sekretaris Pengganti
Alternatif I Dapat dilihat pada Pelatihan Komite Manajemen Risiko
Asep Dani Fadilah
Alternative It can be seen in the Risk Management Committee Training
Substitute Secretary I
Sekretaris Pengganti
Alternatif II
Dapat dilihat pada Pelatihan Komite Pengarah Teknologi Informasi
Muhammad Asadi Budiman Alternative
It can be seen in the Information Technology Steering Committee Training
Substitute Secretary
II
Anggota Tetap Dapat dilihat pada bagian Pelatihan/Pengembangan Kompetensi Direksi
Tedi Setiawan
Permanent member It can be seen in the Training/Competency Development section for Directors
Anggota Tetap Dapat dilihat pada Pelatihan Komite Kebijakan Perkreditan
Galis Prasetya
Permanent member It can be seen in the Credit Policy Committee Training
Anggota Tetap Program Pemeliharaan/ Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Beny Riswandi
Permanent member Level 7 Risk Management Certification Maintenance/Refreshment Program
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 943
Page 435
TATA KELOLA
PERUSAHAAN
Nama Jabatan Pelatihan
Name Position Training
The 10th International Certified Wealth Manager (CWM) & Continuing Professional
Development (CPD)
The 10th International Certified Wealth Manager (CWM) & Continuing Professional
Development (CPD)
Leaders Talk : Leading Successful Business
Leaders Talk : Leading Successful Business
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023 Be One : Bersatu Kompak Kolaboratif
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023
Commitments Through Fee Based Income Quality Credit
Pengenalan Digital
Executive Workshop 2023 Be One: United, Compact, Collaborative
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi Dan
Keunggulan Kompetitif
Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive
Advantage
Anggota Tetap Dapat dilihat pada Pelatihan Komite Kebijakan Perkreditan
Yusuf Saadudin
Permanent member It can be seen in the Credit Policy Committee Training
Anggota Tetap Dapat dilihat pada Pelatihan Komite Kebijakan Perkreditan
Rudy Purwadhi
Permanent member It can be seen in the Credit Policy Committee Training
Anggota Tetap Dapat dilihat pada Pelatihan Komite Kebijakan Perkreditan
Hermawan Mulyana
Permanent member It can be seen in the Credit Policy Committee Training
Anggota Tetap Dapat dilihat pada Pelatihan Komite Kebijakan Perkreditan
Andy Rachman
Permanent member It can be seen in the Credit Policy Committee Training
Anggota Tetap Dapat dilihat pada Pelatihan Komite Kebijakan Perkreditan
Triastoto Hardjanto Wibowo
Permanent member It can be seen in the Credit Policy Committee Training
Anggota Tetap Dapat dilihat pada Pelatihan Komite Kebijakan Perkreditan
Denny Mulyadi
Permanent member It can be seen in the Credit Policy Committee Training
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi dan
Anggota Tetap Keunggulan Kompetitif
Isa Anwari
Permanent member Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive
Advantage
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Pengenalan Digital
Digital Introduction
Executive Workshop 2023 Be One : Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023
Commitments Through Fee Based Income Quality Credit
Leaders Talk : Leading Successful Business
Leaders Talk : Leading Successful Business
Program Pemeliharaan/ Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Program Pemeliharaan/ Refreshment Sertifikasi Manajemen Risiko Jenjang 7
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944 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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GOVERNANCE
Nama Jabatan Pelatihan
Name Position Training
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi dan
Anggota Tetap Keunggulan Kompetitif
Edy Kurniawan Saputra
Permanent member Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi dan
Keunggulan Kompetitif
Global Executive Program 2023 The 8th Internasional Certified Wealth Manager (CWM) &
Continuing Professional Development (CPD)
Global Executive Program 2023 The 8th Internasional Certified Wealth Manager (CWM) &
Continuing Professional Development (CPD)
Talkshow BPD-SI : Tantangan dan Peluang BPD Ke Depan Di Era Layanan Keuangan Digital
BPD-SI Talkshow: Future Challenges and Opportunities for BPD in the Era of Digital Financial
Services
bjb MPP 531 Retirement Preparation Session (MPP 5 Tahun)
bjb MPP 531 Retirement Preparation Session (MPP 5 Tahun)
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Pengenalan Digital
Digital Introduction
Executive Workshop 2023 Be One : Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving 2023
Commitments Through Fee Based Income Quality Credit
Leaders Talk : Leading Successful Business
Leaders Talk : Leading Successful Business
Seminar Nasional BPD-SI Corporate Digital Culture : Digital Transformation Leader
BPD-SI National Seminar on Corporate Digital Culture: Digital Transformation Leader
Anggota Tetap Dapat dilihat pada Pelatihan Komite Kebijakan Perkreditan
Diding Erawan
Permanent member It can be seen in the Credit Policy Committee Training
Anggota Tetap Dapat dilihat pada Pelatihan Komite Kebijakan Perkreditan
Detya Suryadani
Permanent member It can be seen in the Credit Policy Committee Training
Anggota Tetap Dapat dilihat pada Pelatihan Komite Pengarah Teknologi Informasi
Nunung Suhartini
Permanent member It can be seen in the Information Technology Steering Committee Training
Anggota Tetap Dapat dilihat pada Pelatihan Komite Kebijakan Perkreditan
Budiatmo Sudradjat
Permanent member It can be seen in the Credit Policy Committee Training
PERNYATAAN INDEPENDENSI ASSETS AND LIABILITY INDEPENDENCE STATEMENT OF ASSETS AND
COMMITTEE (ALCO) LIABILITY COMMITTEE (ALCO)
Seluruh anggota komite tidak memiliki afiliasi dengan Direktur All committee members had no affiliation with Other Directors,
lainnya, Komisaris maupun Pemegang Saham Pengendali, Commissioners or Controlling Shareholders, and were not
bukan merupakan pemegang saham Perseroan yang dapat shareholders of the Company which might affect their ability to
mempengaruhi kemampuannya untuk bertindak independen, act independently, and were not Commissioners, Directors or
Komisaris, Direktur maupun karyawan dari perusahaan yang employees of companies that had affiliation or business with the
memiliki afiliasi maupun bisnis dengan Perseroan. Company.
RAPAT DAN PELAKSANAAN TUGAS ASSETS AND MEETINGS AND IMPLEMENTATION OF ASSETS AND
LIABILITY COMMITTEE (ALCO) LIABILITY COMMITTEE (ALCO) TASKS
Selama tahun 2023, ALCO telah melaksanakan tugasnya melalui During 2023, ALCO has carried out its duties through 15 meetings.
rapat yang dilaksanakan sebanyak 15 (lima belas) kali. Adapun The discussion agenda for the ALCO meeting is as follows.
agenda pembahasan rapat ALCO adalah sebagai berikut.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 945
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TATA KELOLA
PERUSAHAAN
Tanggal Agenda & Keputusan ALCO
No
Date ALCO Agenda & Decisions
1 13 Januari 2023 Market Outlook & Kondisi Likuiditas bank bjb
January 13, 2023 Market Outlook & Liquidity Conditions of bank bjb
Usulan Repricing Term Loan Bank Danamon
Proposed Repricing of Bank Danamon Term Loans
Register Special Rate Deposito
Register Special Rate Deposit
2 25 Januari 2023 Market Outlook & Kondisi Likuiditas bank bjb
January 25, 2023 Market Outlook & Liquidity Conditions of bank bjb
Usulan Suku Bunga Program Marketing “Membumi” Tahap VI
Proposed Interest Rates for the “Brounded” Marketing Program Phase VI
Register Special Rate Deposito
Register Special Rate Deposit
3 13 Februari 2023 Market Outlook & Kondisi Likuiditas bank bjb
February 13, 2023 Market Outlook & Liquidity Conditions of bank bjb
Usulan Suku Bunga KUR 2023 dan Suku Bunga Kredit Alat Mesin Pertanian (ALSINTAN)
Proposed 2023 KUR Interest Rates and Agricultural Machinery Equipment Credit Interest Rates (ALSINTAN)
Register Special Rate Deposito
Register Special Rate Deposito
4 27 Maret 2023 Kondisi Likuiditas bank bjb
27 Maret 2023 Kondisi Likuiditas bank bjb
Usulan Repricing Term Loan Bank Danamon
Proposed Repricing of Bank Danamon Term Loans
Register Special Rate Deposito
Register Special Rate Deposito
5 13 April 2023 Market Outlook & Kondisi Likuiditas bank bjb
April 13, 2023 Market Outlook & Liquidity Conditions of bank bjb
Usulan Repricing Term Loan Bank Danamon
Proposed Repricing of Bank Danamon Term Loans
SRAK Khusus Cash Collateral dan Limit Insentif RIM SRAK
SRAK Special Cash Collateral and RIM SRAK Incentive Limit
Usulan Suku Bunga Program Marketing “Membumi” Tahap VII
Proposed Interest Rates for Phase VII “Bounding the Earth” Marketing Pro-gram
6 27 April 2023
Usulan Perpanjangan Jangka Waktu dan Perubahan Rate Term Loan BCA
April 27, 2023
Proposed Term Extension and Changes to the BCA Term Loan Rate
7 15 Mei 2023 Market Outlook & Kondisi Likuiditas bank bjb
May 15, 2023 Market Outlook & Liquidity Conditions of bank bjb
Register Penurunan Tiering Bunga Produk Tabungan Tandamata dan Program Deposito Merdeka
Register for Decreasing Interest Tiering for Tandamata Savings Products and the Merdeka Deposit Program
Register Penyesuaian Bunga Counter Giro Umum IDR
IDR General Current Account Counter Interest Adjustment Register
8 26 Juni 2023 Market Outlook & Kondisi Likuiditas bank bjb
June 26, 2023 Market Outlook & Liquidity Conditions of bank bjb
Usulan Repricing Term Loan Bank Danamon
Proposed Repricing of Bank Danamon Term Loans
Register Penyesuaian Tingkat Suku Bunga Counter Giro Bendahara
Register of Interest Rate Adjustment Counter Giro Treasurer
Laporan Tahunan 2023
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Tanggal Agenda & Keputusan ALCO
No
Date ALCO Agenda & Decisions
9 17 Juli 2023 Market Outlook & Kondisi Likuiditas bank bjb
17 Juli 2023 Market Outlook & Liquidity Conditions of bank bjb
Usulan Repricing Term Loan Bank Danamon
Proposed Repricing of Bank Danamon Term Loans
10 14 Agustus 2023 Market Outlook & Kondisi Likuiditas bank bjb
14 Agustus 2023 Market Outlook & Liquidity Conditions of bank bjb
Usulan Pemberian Insentif SRAK Giro dan Tabungan dengan Rate Khusus
Proposed Providing SRAK Current and Savings Incentives with Special Rates
Keringanan Fee Sindikasi untuk Fasilitas Kredit Kepada PT. RNI
Syndication Fee Relief for Credit Facilities to PT. RNI
Delegasi Kewenangan Keringanan Fee Sindikasi
Delegation of Authority for Syndication Fee Reduction
Register Special Rate Deposito
Register Special Rate Deposit
11 18 September 2023 Market Outlook & Kondisi Likuiditas bank bjb
September 18, 2023 Market Outlook & Liquidity Conditions of bank bjb
Usulan Suku Bunga Program Marketing “Bumerang”, bjb KPR Lelang dan bjb KKB Prioritas
Proposed Interest Rates for the “Bumerang” Marketing Program, bjb KPR Auction and bjb KKB Prioritas
Usulan Repricing Term Loan Bank Danamon, Perpanjangan Term Loan Bank BCA dan Pengajuan baru
Term loan Bank Mandiri
Proposed Repricing Term Loan of Bank Danamon, Extension of Term Loan of Bank BCA and Proposed new Term Loan
of Bank Mandiri
Register Special Rate Deposito
Register Special Rate Deposit
12 11 Oktober 2023 Market Outlook dan Kondisi Likuiditas bank bjb
October 11, 2023 Market Outlook & Liquidity Conditions of bank bjb
Usulan Repricing Term Loan Bank Danamon
Proposed Repricing of Bank Danamon Term Loans
Skema Kredit Program bjb Tapera dengan Underlying Guaranty Efek
bjb Tapera Program Credit Scheme with Underlying Securities Guarantee
Register Special Rate Deposito
Register Special Rate Deposit
13 17 Oktober 2023 Usulan Penetapan Struktur dan Fitur Surat Berharga Perpetual bank bjb 2023
October 17, 2023 Usulan Penetapan Struktur dan Fitur Surat Berharga Perpetual bank bjb 2023
14 17 November 2023 Market Outlook dan Kondisi Likuiditas bank bjb
November 17, 2023 Market Outlook & Liquidity Conditions of bank bjb
Usulan Term Loan Borrowing Bank BTPN
Proposed BTPN Bank Loan Borrowing Terms
Usulan Perubahan Insentif SRAK
Proposed Changes to SRAK Incentives
15 18 Desember 2023 Market Outlook dan Kondisi Likuiditas bank bjb
December 18, 2023 Market Outlook & Liquidity Conditions of bank bjb
Usulan Term Loan Borrowing Bank Maybank Indonesia dan Bank ICBC Indonesia
Proposal of Term-Loan Borrowing for Bank Maybank Indonesia and Bank ICBC Indonesia
Keputusan Penerbitan Surat Berharga Perpetual Bank Pembangunan Jawa Barat dan Banten Tbk. Tahun 2023
Decision on the 2023 Issuance of Perpetual Securities of Bank Pembangunan Jawa Barat dan Banten Tbk.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 947
Page 439
TATA KELOLA
PERUSAHAAN
Komite Risiko Permodalan Capital Risk Committee
Dalam rangka upaya mengoptimalkan struktur neraca dengan In an effort to optimize the balance sheet structure with the aim of
tujuan memberikan keuntungan maksimal dengan mengelola providing maximum benefits by managing liquidity, the Bank has
likuiditas, Bank telah membentuk dan menetapkan komite di formed and appointed a committee under the Directors as stated
bawah Direksi sebagaimana tertuang dalam Struktur Organisasi in the Bank’s Organizational Structure, one of which is the Capital
Bank, salah satunya adalah Komite Risiko Permodalan. Risk Committee.
STRUKTUR DAN KEANGGOTAAN KOMITE RISIKO CAPITAL RISK COMMITTEE’S STRUCTURE AND
PERMODALAN MEMBERSHIP
Surat Keputusan Direksi PT Bank Pembangunan Daerah Jawa Decree of the Board of Directors of PT Bank Pembangunan
Barat dan Banten Nomor 0567/SK/DIR-MAP/2020 tentang Daerah Jawa Barat and Banten Number 0567/SK/DIR-MAP/2020
Pedoman Kerja Komite Risiko Permodalan tanggal 7 September concerning Working Guidelines for the Capital Risk Committee
2020 adalah sebagai berikut: dated September 7, 2020 is as follows:
Susunan Diisi oleh
Arrangement Filled by
Ketua I Pemimpin Divisi Manajemen Anak Perusahaan
Chairman II Head of Subsidiary Management Division
Ketua II SEVP Bisnis
Chairman II SEVP Business
Ketua III SEVP Credit Risk
Chairman III SEVP Credit Risk
Sekretaris Pemimpin Group Anak Perusahaan
Sekretaris Head of Subsidiary Group
Anggota 1. Pemimpin Divisi Pengendalian Keuangan.
Anggota 2. Pemimpin Divisi Hukum
3. Pemimpin Unit Kerja Bisnis
4. Pemimpin Divisi Manajemen Risiko
5. Pemimpin Divisi Kepatuhan & APU-PPT
6. Pemimpin Unit Kerja terkait dengan pembahasan
1. Head of Financial Control Division.
2. Head of Legal Division
3. Head of Business Work Unit
4. Head of Risk Management Division
5. Head of Compliance and APU PPT Division
6. Head of Work Unit related to the discussion
TUGAS, WEWENANG, DAN TANGGUNG JAWAB DUTIES, AUTHORITIES AND RESPONSIBILITIES OF
KOMITE RISIKO PERMODALAN CAPITAL RISK COMMITTEE
Tugas, wewenang dan tanggung jawab Komite Risiko Permodalan The duties, powers and responsibilities of the Capital Risk
adalah sebagai berikut: Committee are as follows:
1. Menetapkan strategi dan batasan pengelolaan Perusahaan 1. Establishing strategies and boundaries for the management of
Anak dan Perusahaan Afiliasi. Subsidiaries and Affiliated Companies.
2. Menyusun rekomendasi dan persetujuan rencana Penyertaan 2. Preparing recommendations and approving plans for equity
Modal Perusahaan Anak dan perusahaan afiliasi termasuk participation in subsidiaries and affiliated companies, including
tambahan Penyertaan Modal/Divestasi dengan ketentuan additional equity participation/divestments, provided that
dalam hal penyertaan atau pelepasan modal tersebut such participation or disposal of capital results in changes in
berakibat pada berubahnya pengendalian di Perusahaan control in the Subsidiary Company to become the authority of
Anak menjadi kewenangan Rapat Direksi. the Directors Meeting.
3. Membahas dan merekomendasikan remunerasi (antara lain 3. Discussing and recommending remuneration (including
gaji, honorarium tunjangan dan fasilitas) anggota Direksi salaries, allowances and facilities) for the members of the
dan Dewan Komisaris Perusahaan Anak berdasarkan usulan Directors and the Board of Commissioners of the Subsidiary
dari pihak yang membidangi remunerasi dan nominasi di based on recommendations from parties in charge of
Perusahaan Anak untuk diputuskan dalam RUPS Perusahaan remuneration and nominations in the Subsidiary to be decided
Anak. in the GMS of the Subsidiary.
Laporan Tahunan 2023
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4. Membahas dan merekomendasikan pencalonan/nominasi 4. Discussing and recommendinng the nomination of members
anggota Direksi dan/atau Dewan Komisaris Perusahaan Anak of the Directors and/ or Board of Commissioners of
dan Afiliasi termasuk perusahaan yang berada di bawah Subsidiaries and Affiliates, including companies under the
kendali Perusahaan Anak yang berasal dari internal atau control of Subsidiaries, originating from internal or external to
eksternal Bank untuk diajukan dalam Rapat Direksi. the Bank to be proposed in the Directors Meeting.
5. Membahas dan merekomendasikan agenda Rapat Umum 5. Discussing and recommending the agenda of the Subsidiary’s
Pemegang Saham (RUPS) Perusahaan Anak yang memerlukan General Meeting of Shareholders (GMS) which require a
keputusan Bank sebagai Pemegang Saham. decision by the Bank as a Shareholder.
6. Merumuskan dan membahas potensi sinergi bisnis yang 6. Formulating and discussing potential business synergies that
dapat tercipta antara Perusahaan Induk dengan Konglomerasi can be created between the Parent Company and the Bank’s
Keuangan Bank. Financial Conglomerates.
PROFIL ANGGOTA KOMITE RISIKO PERMODALAN PROFILE OF CAPITAL RISK COMMITTEE MEMBERS’
Arief Setyahadi
Pemimpin Divisi Manajemen Anak Perusahaan/Ketua I /
Head of Subsidiary Management Division/Chairman I
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 19 Agustus 1969, usia 55 tahun per Desember 2023. Born on August 19, 1969, age 55 years as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Ilmu Administrasi Negara dari Universitas Gadjah Mada • Bachelor’s degree in Public Administration from Gadjah Mada University
(1992) (1992)
• Magister di bidang Manajemen dari STIE Ekuitas (2018) • Masters in Management from STIE Equity (2018)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Manajemen Anak Perusahaan sejak 2021 Served as Head of Subsidiary Management Division from 2021 to present
s.d saat ini berdasarkan Surat Keputusan Direksi No. 0039/SK/DIR-HC/2021. based on Directors’ Decree No. 0039/SK/DIR-HC/2021.
Pengalaman Kerja Work Experience
• CEO Regional Kantor Wilayah 1 Tahun 2019 • Regional CEO of Region 1 Office 2019
• Pemimpin Divisi Penyelamatan & Penyelesaian Kredit Tahun 2020 • Leader of Credit Rescue & Settlement Division in 2020
Periode dan Masa Jabatan Period of Service
1 Februari 2021 - saat ini February 1, 2021 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• Certified International Merger and Acquisition (CIMA) • Certified International Merger and Acquisition (CIMA)
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 949
Page 441
TATA KELOLA
PERUSAHAAN
Beny Riswandi
Senior Executive Vice President Bisnis/Ketua II /
Senior Executive Vice President Business/Chairman II
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 26 April 1968, usia 55 tahun per Desember 2023. Born on April 26 1968, 55 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang ilmu Perbankan dari Universitas Tirtayasa Banten • Bachelor’s degree in Banking from Tirtayasa University, Banten (2000)
(2000)
• Magister di bidang ilmu Manajemen Pemasaran dari Universitas • Master in Marketing Management from Padjadjaran University, Bandung
Padjadjaran Bandung (2009) (2009)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Senior Executive Vice President Bisnis sejak 2019 s.d saat Served as Senior Executive Vice President of Business from 2019 until now
ini berdasarkan Surat Keputusan Direksi No. 0871/SK/DIR-HC/2019. based on Directors’ Decree No. 0871/SK/DIR-HC/2019.
Pengalaman Kerja Work Experience
• Pemimpin Divisi Korporasi & Komersial Sejak Tahun 2016 • Head of Corporate & Commercial Division Since 2016
• SEVP Komersial & UMKM Tahun 2018 • SEVP Commercial & MSME 2018
Periode dan Masa Jabatan Period of Service
24 Juli 2019 - saat ini July 24, 2019 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Laporan Tahunan 2023
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Galis Prasetya
Senior Executive Vice President Credit Risk/Ketua III /
Senior Executive Vice President Credit Risk/Chairman III
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 19 Maret 1971 usia 52 tahun per 31 Desember 2023. Born on March 19 1971, 52 years old as of December 31, 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang ilmu Manajemen dari STIE YPKP Bandung (1999) • Bachelor in Management from STIE YPKP Bandung (1999)
• Magister di bidang ilmu Manajemen Keuangan dari STIE PERBANAS • Master in Financial Management from STIE PERBANAS (2005)
(2005)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Senior Executive Vice President Credit Risk sejak 2019 berdasarkan Surat Senior Executive Vice President Credit Risk since 2019 based on Directors’
Keputusan Direksi No. 0871/SK/DIR-HC/2019. Decree No. 0871/SK/DIR-HC/2019.
Pengalaman Kerja Work Experience
• CEO Regional 3 (April 2019 – Agustus 2019) • Regional CEO 3 (April 2019 – August 2019)
• CEO Regional 1 (Maret 2019 – April 2019 • Regional CEO 1 (March 2019 – April 2019
Periode dan Masa Jabatan Period of Service
6 Agustus 2019 - saat ini August 6, 2019 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 951
Page 443
TATA KELOLA
PERUSAHAAN
Muhammad Asadi Budiman
Pemimpin Divisi Pengendalian Keuangan/Anggota Tetap /
Head of Financial Control Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 7 Juni 1981, usia 42 tahun per Desember 2023. Born on June 7, 1981, 42 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Ekonomi dari Universitas Padjadjaran (2004) • Bachelor in Economics from Padjadjaran University (2004)
• Magister di bidang Ekonomi dari Universitas Padjadjaran (2009) • Masters in Economics from Padjadjaran University (2009)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Pengendalian Keuangan sejak 2020 s.d Served as Head of the Financial Control Division from 2020 to the present
saat ini berdasarkan surat keputusan direksi No. 0069/SK/DIR-HCA/2020. based on Director’s Decree No. 0069/SK/DIR-HCA/2020.
Pengalaman Kerja Work Experience
• Pemimpin Divisi Treasury tahun 2017 • Head of Treasury Division in 2017
• Pemimpin Divisi Corporate Secretary tahun 2018 • Head of Corporate Secretary Division in 2018
Periode dan Masa Jabatan Period of Service
3 Februari 2020 - saat ini February 3, 2020 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
• Certified International Merger and Azquisition (CIMA) • Certified International Merger and Acquisition (CIMA)
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
• Sertifikasi Treasury Dealer Tingkat Advance • Advanced Level Treasury Dealer Certification
• Certified Investor Relation • Certified Investor Relations
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Asep Dani Fadilah
Sekretaris Komite/ Pemimpin Divisi Manajemen Risiko Kredit, Pasar &
Terintegrasi/
Committee Secretary/ Head of Credit, Market & Integrated Risk
Management Division
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada Kuningan, 1 Juni 1971saat ini berusia 52 tahun. Born in Kuningan, June 1 1971, currently 52 years old.
Riwayat Pendidikan Educational Background
• Sarjana Ekonomi, STIE Kuningan tahun 2000 • Bachelor of Economics, STIE Kuningan 2000
• Magister Manajemen, STIE Ganesha tahun 2003 • Master in Management, STIE Ganesha 2003
Dasar Hukum Pengangkatan Legal Basis of Appointment
Menjabat sebagai Pemimpin Divisi Manajemen Risiko berdasarkan Surat Menjabat sebagai Pemimpin Divisi Manajemen Risiko berdasarkan Surat
Keputusan Direksi No. 0871/SK/DIR-HC/2019. Keputusan Direksi No. 0871/SK/DIR-HC/2019.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 1991 dengan riwayat jabatan sebagai berikut: Joined bank bjb in 1991 with the following position history:
• Pemimpin Divisi Hukum sejak Desember 2018 hingga Juli 2019 • Head of Legal Division from December 2018 to July 2019
• Pemimpin Divisi Manajemen Anak Perusahaan sejak Oktober 2018 • Head of Subsidiary Management Division from October 2018 to
hingga Desember 2018 December 2018
• Head of General Affairs Division from May 2017 to October 2018
• Pemimpin Divisi Umum sejak Mei 2017 hingga Oktober 2018
Sertifikasi Certification
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
• PECB ISO 37301 • PECB ISO 37301
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 953
Page 445
TATA KELOLA
PERUSAHAAN
Deden Hilman
Pemimpin Divisi Kepatuhan & APU-PPT/Anggota Tetap /
Head of Compliance and AML CFT Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung, 26 Februari 1974 saat ini berusia 50 tahun. Born in Bandung, February 26 1974, currently 50 years old.
Riwayat Pendidikan Educational Background
• Sarjana Hukum dari Universitas Padjadjaran pada tahun 1998. • Bachelor of Laws from Padjadjaran University in 1998.
• Magister bidang Hukum Ekonomi & Bisnis dari Universitas Padjadjaran • Masters in Economics & Business Law from Padjadjaran Universi-ty
Bandung pada tahun 2010. Bandung in 2010.
Dasar Hukum Pengangkatan Appointment History
Berdasarkan Surat Keputusan Direksi No. 0285/SK/DIR-HCA/2023. Based on Decree of the Board of Directors No. 0285/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 11 September 2001 dengan riwayat jabatan Joined bank bjb since dated September 11, 2001 with a history of position
antara lain: as follows:
• Pemimpin Cabang Purwakarta sejak 15 Oktober 2018 hingga 27 Januari • Purwakarta Branch Leader from 15 October 2018 to 27 January 2020
2020
• Pemimpin Cabang Depok sejak 10 Februari 2020 hingga 15 Januari 2021 • Depok Branch Leader from 10 February 2020 to 15 January 2021
• Deputi CEO Regional 5 sejak 01 Februari 2021 hingga 01 Agustus 2023 • Deputy CEO Regional 5 from 01 February 2021 to 01 August 2023
• Pemimpin Divisi Kepatuhan & APU PPT sejak tanggal 01 September 2023 • Head of Compliance & AML CFT Division from 01 September 2023 until
hingga sekarang now
Periode dan Masa Jabatan Period of Service
1 September 2023 - saat ini September 1, 2023 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 6 Level 6 Risk Management Certification
Laporan Tahunan 2023
954 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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Boy Pandji Soedradjat
Pemimpin Divisi Hukum/Anggota Tetap /
Head of Legal Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir pada 30 Januari 1974, usia 49 tahun per Desember 2023. Born on January 30, 1974, 49 years old as of December 2023.
Riwayat Pendidikan Educational Background
• Sarjana di bidang Ilmu Hukum dari Universitas Parahyangan Bandung • Bachelor in Law from Parahyangan University Bandung (1997)
(1997)
• Magister di bidang Ilmu Hukum dari Golden Gate University (1999) • Master in Law from Golden Gate University (1999)
Dasar Hukum Pengangkatan Legal Basis for Appointment
Menjabat sebagai Pemimpin Divisi Hukum sejak 2021 s.d saat ini berdasarkan Served as Head of the Legal Division from 2021 until now based on Directors’
Surat Keputusan Direksi No. 0511/SK/DIR-HC/2021. Decree No. 0511/SK/DIR-HC/2021.
Pengalaman Kerja Work Experience
• Pemimpin Grup Litigasi tahun 2017 • Head of Litigation Group in 2017
• Pemimpin Kantor Cabang Cibinong tahun 2019 • Head of Cibinong Branch Office in 2019
Periode dan Masa Jabatan Period of Service
Juli 2021 - saat ini July 2021 - present
Jabatan Rangkap Concurrent Position
- -
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 955
Page 447
TATA KELOLA
PERUSAHAAN
Yogy Yatno
Kepala Divisi Manajemen Risiko Operasional/Anggota Tetap /
Head of Operational Risk Management Division/Permanent Member
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Cirebon, 24 April pada tahun 1979, usia 44 tahun per Cirebon, April 24, 1979, 44 years old as of December 2023.
Januari 2024
Riwayat Pendidikan Educational Background
• Sarjana Ekonomi, STIE YPKP tahun 2001 • Bachelor of Economics, STIE YPKP in 2001
• Magister Manajemen, UNPAD tahun 2010 • Master of Management, UNPAD in 2010
Riwayat Penunjukan Appointment History
Menjabat sebagai Pemimpin Divisi Manajemen Risiko Operasional Appointed as Head of the Operational Risk Management Division based on
berdasarkan Surat Keputusan Direksi No. 0285/SK/DIR-HCA/2023. Directors’ Decree No. 0285/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 2002 dengan riwayat jabatan sebagai berikut: Joined bank bjb since 2002 with the following position history:
• Pemimpin Divisi Kebijakan & Prosedur sejak Tahun 2022 hingga Tahun • Head of the Policy & Procedures Division from 2022 to 2023
2023
• Pemimpin Divisi Jaringan & Layanan sejak Tahun 2021 hingga Tahun • Network & Services Division Leader from 2021 to 2022
2022
• CEO Regional 1 Sejak Tahun 2020 hingga Tahun 2021 • Regional CEO 1 from 2020 to 2021
Sertifikasi Certification
Sertifikasi Manajemen Risiko Jenjang 7 Level 7 Risk Management Certification
Laporan Tahunan 2023
956 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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PELATIHAN ANGGOTA KOMITE RISIKO PROFILE OF CAPITAL RISK COMMITTEE MEMBERS’\
PERMODALAN
Pelatihan yang telah diikuti anggota komite selama tahun 2023 The training that has been attended by committee members
adalah sebagai berikut. during 2023 is as follows.
Nama Jabatan Pelatihan
Name Position Training
Ketua I Dapat dilihat pada Pelatihan Komite Manajemen Risiko Terintegrasi
Arief Setyahadi
Chairman II Dapat dilihat pada Pelatihan Komite Manajemen Risiko Terintegrasi
Ketua II Dapat dilihat pada Pelatihan Assets and Liability Committee (ALCO)
Beny Riswandi
Chairman II Dapat dilihat pada Pelatihan Assets and Liability Committee (ALCO)
Ketua III Dapat dilihat pada Pelatihan Komite Kebijakan Perkreditan
Galis Prasetya
Chairman III Dapat dilihat pada Pelatihan Komite Kebijakan Perkreditan
Kegiatan Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko Batch 2 & Batch 3
Sekretaris Tahun 2023 (Inhouse Training Daring)
Evi Susilawati
Secretary Maintenance/Refreshment Activities for Risk Management Certification Batch 2 &
Batch 3 Year 2023 (Online Inhouse Training)
Pengenalan Digital
Digital Introduction
Anggota Dapat dilihat pada Pelatihan Komite Pengarah Teknologi Informasi
Muhammad Asadi Budiman
Member It can be seen in the Information Technology Steering Committee Training
Anggota Dapat dilihat pada Pelatihan Komite Manajemen Risiko
Asep Dani Fadilah
Member It can be seen in the Risk Management Committee Training
Anggota Dapat dilihat pada Pelatihan Komite Manajemen Risiko
Deden Hilman
Member It can be seen in the Risk Management Committee Training
Executive Workshop Tahun 2023 Satukan Energi Untuk Memperkuat Sinergi dan
Anggota Keunggulan Kompetitif
Boy Pandji Soedradjat
Member Executive Workshop in 2023 Unite Energy to Strengthen Synergy and Competitive
Advantage
Bimbingan Teknis Pertanahan Manajemen Pengadaan Tanah Untuk Kepentingan
Umum/Swasta/Perusahaan Serta Strategi Penanganan Sengketa & Konflik Perka
Land Technical Guidance on Land Acquisition Management for Public/Private/Company
Interests and Dispute & Conflict Handling Strategy
Pemeliharaan/Refreshment Sertifikasi Manajemen Risiko
Maintenance/Refreshment of Risk Management Certification
Pengenalan Digital
Digital Introduction
Executive Workshop 2023 Be One : Bersatu Kompak Kolaboratif
Executive Workshop 2023 Be One: United, Compact, Collaborative
Executive Workshop Tahun 2023 : Menjaga Momentum Pertumbuhan Bisnis Dalam
Mencapai Komitmen Tahun 2023 Melalui Fee Based Income Kredit Yang Berkuali
Executive Workshop 2023: Maintaining Business Growth Momentum in Achieving
2023 Commitments Through Fee Based Income Quality Credit
Leaders Talk : Leading Successful Business
Leaders Talk : Leading Successful Business
Anggota Dapat dilihat pada Pelatihan Komite Pengarah Teknologi Informasi
Yogy Yatno
Member It can be seen in the Information Technology Steering Committee Training
PERNYATAAN INDEPENDENSI KOMITE RISIKO INDEPENDENCE STATEMENT OF THE CAPITAL RISK
PERMODALAN COMMITTEE
Seluruh anggota komite tidak memiliki afiliasi dengan Direktur All committee members had no affiliation with Other Directors,
Lainnya, Komisaris maupun Pemegang Saham Pengendali, Commissioners or Controlling Shareholders, and were not
bukan merupakan pemegang saham Perseroan yang dapat shareholders of the Company which might affect their ability to
mempengaruhi kemampuannya untuk bertindak independen, act independently, and were not Commissioners, Directors or
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 957
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TATA KELOLA
PERUSAHAAN
Komisaris, Direktur maupun karyawan dari perusahaan yang employees of companies that had affiliation or business with the
memiliki afiliasi maupun bisnis dengan Perseroan. Company.
RAPAT DAN PELAKSANAAN TUGAS KOMITE RISIKO MEETINGS AND IMPLEMENTATION OF THE TASKS OF
PERMODALAN THE CAPITAL RISK COMMITTEE
Selama tahun 2023, Komite Risiko Permodalan telah melaksanakan During 2023, the Capital Risk Committee has carried out its duties
tugasnya melalui rapat yang dilaksanakan sebanyak 6 (enam) kali. through 6 (six) meetings. The agenda for discussing the Capital
Adapun agenda pembahasan rapat Komite Risiko Permodalan Risk Committee meeting is as follows.
adalah sebagai berikut.
Tanggal Agenda
No
Date Agenda
24 Februari 2023 Penugasan pegawai bank bjb pada Investee (Komisaris PT Asuransi Bangun Askrida)
1.
February 24, 2023 Assignment of bank bjb employees to Investees (Commissioners of PT Asuransi Bangun Askrida)
05 April 2023 Perubahan Susunan dan Remunerasi Pengurus PT Bank Jabar Banten Syariah
2.
April 05, 2023 Changes in the Composition and Remuneration of the Management of PT Bank Jabar Banten Syariah
Pembahasan pemilihan calon investee Perusahaan pialang asuransi untuk diajukan proses due diligence
03 Mei 2023
3. Discussion on the selection of potential investees for insurance broker companies to be submitted to the due diligence
May 03, 2023
process
02 Juni 2023 Penyertaan sisa setoran modal kepada BPR Intan Jabar sebagai rangkaian dalam skema penyelamatan BPR Intan Jabar
4.
June 02, 2023 Inclusion of remaining capital deposits to BPR Intan Jabar as part of the res-cue scheme for BPR Intan Jabar
27 Juni 2023 Pembahasan rencana usulan penugasan pegawai kepada PD BPR LPK Parung Panjang dan PT BPR Cianjur Jawa Barat
5.
June 27, 2023 Discussion of proposed employee assignment plans to PD BPR LPK Parung Panjang and PT BPR Cianjur Jawa Barat
28 Juli 2023 Pembahasan rencana usulan penugasan pegawai kepada PD BPR LPK Parung Panjang
6.
July 28, 2023 Assignment of bank bjb employees to Investees (Commissioners of PT Asuransi Bangun Askrida)
Laporan Tahunan 2023
958 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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GOVERNANCE
Penerapan Tata Kelola Dalam Implementation of Governance
Pemberian Remunerasi Bagi Bank In Provision of Remuneration For
Umum Sesuai POJK 45/POJK.03/2015 Commercial Banks In Accordance With
OJK Regulation 45/ POJK.03/2015
Dasar Penyusunan Penetapan Remunerasi Basis of Remuneration Determination
Dasar Penyusunan Penetapan Remunerasi yaitu: The basis for the preparation of the determination of remuneration,
namely:
1. Undang Undang Nomor 40 Tahun 2007 Tanggal 16 Agustus 1. Law Number 40 of 2007 dated August 16, 2007 concerning
2007 Tentang Perseroan Terbatas. Limited Liability Companies;
2. Peraturan Otoritas Jasa Keuangan (POJK) Nomor 55/ 2. OJK Regulation number 55/POJK.03/2016 dated December
POJK.03/2016 Tanggal 09 Desember 2016 Tentang 9, 2016 concerning the Implementation of Good Corporate
Penerapan Tata Kelola Bagi Bank Umum. Governance for Commercial Banks.
3. Peraturan Otoritas Jasa Keuangan (POJK) Nomor 45/ 3. OJK Regulation number 45/POJK.03/2016 dated December
POJK.03/2016 Tanggal 23 Desember 2016 Tentang Penerapan 23, 2016 concerning the implementation of good governance
Tata Kelola Dalam Pemberian Remunerasi Bagi Bank Umum. in the provision of remuneration for commercial banks.
4. Surat Edaran Otoritas Jasa Keuangan Nomor 40/ 4. OJK Circular Letter Number 40/ SEOJK.03/2016 dated
SEOJK.03/2016 Tanggal 26 September 2016 tentang September 26, 2016 concerning Implementation of Good
Penerapan Tata Kelola Dalam Pemberian Remunerasi Bagi Governance in Providing Remuneration for Commercial
Bank Umum. Banks;
5. Anggaran Dasar. 5. Articles of Association.
Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Uraian terkait Komite Remunerasi dan Nominasi dijelaskan pada The description regarding the Remuneration and Nomination
Sub Bab Organ dan Komite di Bawah Dewan Komisaris Bab Tata Committee is explained in the Sub Chapter of Organs and
Kelola Perusahaan dalam Laporan Tahunan ini. Committees Under the Board of Commissioners Chapter of
Corporate Governance in this Annual Report.
Adapun Remunerasi yang dibayarkan kepada Anggota Komite The Remuneration paid to Members of the Remuneration
Remunerasi dan Nominasi dari Pihak Independen Non – Komisaris and Nomination Committee from Independent Parties
sesuai dengan Perjanjian Kerjasama Pelaksanaan Sebagai Anggota NonCommissioners was in accordance with the Cooperation
Komite dan Remunerasi (KNR) Nomor 030/PKS/DIR-CSE/2020 Agreement for Implementation as Committee Members and
tanggal 28 Februari 2020 sebagai berikut: Remuneration (KNR) Number 030/PKS/DIR-CSE/2020 dated
February 28, 2020 as follows:
Anggota Komite dari pihak independen
Uraian
No non - komisaris
Description
Committee members from independent non-commissioner parties
Honorarium Rp17.500.000,00
1
Honorarium Rp17.500.000,00
Tunjangan Hari Raya 2 (dua) kali honorarium
2
Holiday allowance 2 (dua) kali honorarium
Uang perjalanan dinas Rp500.000,00
3
Official travel money Rp500.000,00
Fasilitas pendidikan dan pelatihan:
Education and training facilities:
1) Akomodasi Diberikan
1) Accomodation Given
4
2) Transportasi Diberikan
2) Transportation Given
3) Uang pendidikan dan pelatihan Rp250.000,00
3) Education and training money Rp250.000,00
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 959
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TATA KELOLA
PERUSAHAAN
Proses Penyusunan Kebijakan Remunerasi Remuneration Policy Development Process
Proses penyusunan kebijakan Remunerasi yang meliputi: Remuneration policy formulation process which includes:
1. Tinjauan mengenai latar belakang dan tujuan kebijakan 1. Review of the background and objectives of the Remuneration
Remunerasi; policy;
Kebijakan remunerasi disusun dan ditetapkan dengan tujuan The remuneration policy is formulated and determined with
mengembangkan kualitas jajaran manajemen dengan tetap the aim of developing the quality of the management while
memperhatikan ketahanan dan keberlangsungan usaha bank taking into account the resilience and sustainability of bank
bjb. bjb’s business.
Kebijakan sistem remunerasi dengan berpedoman pada The remuneration system policy is guided by the concept of
konsep Merit System dan Kinerja Pegawai baik dari sisi the Merit System and Employee Performance, both in terms of
penyesuaian remunerasi yang bersifat tetap maupun variabel. fixed and variable remuneration adjustments.
Di sisi remunerasi yang bersifat tetap, strategi dilakukan
dengan tetap memperhatikan kemampuan dan skala usaha, In terms of fixed remuneration, the strategy is carried out
effective best practice di industri perbankan yang dibandingkan by taking into account the capabilities and business scale,
terhadap market. Perseroan telah rutin mengikuti setiap effective best practice in the banking industry compared to
tahun survei mengenai Total Reward Survey perbankan the market. The Company regularly participates in a survey on
melalui konsultan independen yang memang profesional the Total Reward Survey of banking through an independent
dan telah diikuti oleh mayoritas perbankan di Indonesia. consultant who is professional and has been followed by
Hal ini dilakukan sebagai bahan referensi dan masukan bagi the majority of banks in Indonesia. This is done as reference
penyesuaian remunerasi di bank bjb agar tetap menarik material and input for remuneration adjustments at bank
dan kompetitif. Selain itu, bank bjb juga selalu memastikan bjb so that it remains attractive and competitive. Also, bank
telah memenuhi ketentuan yang berlaku dan berada di atas bjb always ensures having satisfied the applicable provisions
standar Upah Minimum yang berlaku di wilayah operasional and above Regional Minimum Wages standard prevailing in
bank bjb. Untuk remunerasi yang bersifat variabel, pemberian bank bjb operational region. For variable remuneration, the
remunerasi juga memperhatikan faktor risiko dalam kegiatan remuneration granting also considers risk factor in business
usaha dan dampak terhadap pendapatan bank bjb. activity and impact to bank bjb incomes.
2. Pelaksanaan kaji ulang atas kebijakan Remunerasi pada tahun 2. The implementation of a review of the Remuneration policy in
sebelumnya, beserta perbaikannya the previous year, along with its improvements
bank bjb melakukan kaji ulang atas kebijakan remunerasi bank bjb conducts periodic reviews of remuneration policies
secara berkala dengan menyesuaikan pada ketentuan serta by adjusting to the provisions and best practices as well
best practice maupun evaluasi sesuai ketentuan kebijakan as evaluations in accordance with applicable policies and
dan prosedur yang berlaku. Kaji ulang kebijakan remunerasi procedures. A review of the remuneration policy was carried
dilakukan terhadap Surat Keputusan Direksi No. 1500/SK/ out on the Decree of the Directors No. 1500/SK/DIR-CS/2018
DIR-CS/2018 tanggal 14 Desember 2018 tentang Pedoman dated December 14, 2018 regarding Guidelines for Income,
Penghasilan, Tunjangan dan Fasilitas bagi Dewan Komisaris Allowances and Facilities for the Board of Commissioners and
dan Direksi PT Bank Pembangunan Daerah Jawa Barat dan Directors of PT Bank Pembangunan Daerah Jawa Barat dan
Banten, Tbk. Banten, Tbk.
3. Mekanisme untuk memastikan bahwa Remunerasi bagi 3. A mechanism to ensure that the remuneration for employees
Pegawai di unit kontrol bersifat independen dari unit kerja in the control unit is independent from the work units they
yang diawasinya supervise To ensure the independence of remuneration
Untuk memastikan independensi penerapan remunerasi bagi implementation for employees in the control unit, performance
pegawai di unit kontrol, penilaian kinerja di unit kontrol tidak appraisal in the control unit is not linked to the achievement
dikaitkan dengan pencapaian target kinerja dari unit kerja of performance targets of the work units it supervises, this is
yang diawasinya, hal ini dipastikan melalui pemisahan struktur ensured through the separation of the organizational structure
organisasi unit kontrol agar independen, termasuk mengenai of the control unit so that it is independent, including the
persetujuan penetapan goal setting kinerja unit kerja maupun approval of setting goals for the performance of the work unit
pegawai. and employee.
Laporan Tahunan 2023
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Cakupan Kebijakan Remunerasi dan Scope of Remuneration Policy and Its
Implementasinya Implementation
Kebijakan remunerasi pegawai pada Surat Keputusan Direksi The employee remuneration policy in the Decree of the Board
Nomor 0500/SK/DIR-HCA/2021 tentang Perubahan Surat of Directors Number 0500/SK/DIR-HCA/2021 concerning
Keputusan Direksi PT Bank Pembangunan Daerah Jawa Barat Dan Amendments to the Decree of the Board of Directors of PT
Banten, Tbk. Nomor 0303/SK/DIR-HCA/2021 tentang Standar Bank Pembangunan Daerah Jawa Barat Dan Banten, Tbk.
Operasional Prosedur Pengelolaan Penghasilan dan Fasilitas Number 0303/SK/DIR-HCA/2021 concerning Standard Operating
Kepegawaian mencakup bagi pegawai pada seluruh unit kerja, Procedures for Management of Income and Personnel Facilities
pada perusahaan anak dan pada Badan Hukum yang terafiliasi applies to employees in all work units, subsidiaries and Legal
dengan Bank. Khusus untuk remunerasi pada Perusahaan Anak Entities affiliated with the Company. Regarding remuneration in
diatur lebih lanjut pada Pedoman Penugasan Pegawai pada subsidiaries, it is further stipulated in the Guidelines for Employee
investee SK Dir No 0261/SK/DIR-HCA/2021 tanggal 29 Maret Assignment in investee SK Dir No 0261/SK/DIR-HCA/2021 dated
2021. March 29, 2021.
Saat ini bank bjb belum memiliki perwakilan kantor maupun Currently, bank bjb does not have representative offices or
perusahaan anak yang berlokasi di luar negeri, sehingga kebijakan subsidiaries located abroad, so the remuneration policy does not
remunerasi tidak mencakup hal tersebut. include this.
Remunerasi Dikaitkan dengan Kinerja Remuneration Associated With
Performance
Remunerasi dikaitkan dengan risiko yang meliputi: Remuneration is associated with risks that include:
1. Jenis risiko utama (key risk) yang digunakan dalam 1. The type of main risk (key risk) used in implementing the
menerapkan Remunerasi. Remuneration.
Risiko utama Perseroan di saat ini adalah Risiko Kredit. The Company’s main risk at this time is Credit Risk.
2. Kriteria untuk menentukan jenis risiko utama, termasuk untuk 2. Criteria for determining the main types of risk, including those
risiko yang sulit diukur. that are difficult to measure.
Jenis transaksi dan bisnis yang paling signifikan dalam The types of transactions and businesses that are most
menghasilkan profit dan keputusan yang diambil diberikan significant in generating profits and the decisions taken are
untuk suatu keputusan bisnis yang berdampak besar pada given to a business decision that has a major impact on the
bisnis Perseroan. Company’s business.
3. Dampak penetapan risiko utama terhadap kebijakan 3. The impact of determining the main risk on the Variable
Remunerasi yang Bersifat Variabel. Remuneration policy.
Dengan adanya penetapan jenis risiko utama akan berdampak The determination of the main types of risk will have an
ke penentuan KPI dan berdampak pada pemberian remunerasi impact on the determination of KPIs and have an impact on
yang bersifat variabel. the provision of variable remuneration.
4. Perubahan penentuan jenis risiko utama dibandingkan 4. Changes in the determination of the main risk types compared
dengan tahun lalu. to last year.
Belum terdapat perubahan jika dibandingkan tahun lalu. There has been no change compared to last year.
Pengukuran Kinerja Dikaitkan dengan Performance Measurement Associated
Remunerasi With Remuneration
Pengukuran kinerja dikaitkan dengan Remunerasi yang meliputi: Performance measurement remuneration is linked to remuneration
1. Tinjauan mengenai kebijakan Remunerasi yang dikaitkan which includes:
dengan penilaian kinerja 1. Review of Remuneration policy related to performance
a. Prestasi kerja masing-masing individu. appraisal
b. Kinerja keuangan Perseroan. a. The work performance of each individual.
c. Benchmark industri. b. Company’s financial performance.
d. Risiko yang mungkin timbul di kemudian hari sehingga c. Industry benchmarks.
menyebabkan kerugian bagi Perseroan. d. Risks that may arise in the future causing losses to the
Company.
2. Metode dalam mengaitkan Remunerasi individu dengan 2. Methods in linking individual Remuneration with Company
kinerja Bank, kinerja unit kerja dan kinerja individu performance, work unit performance and individual
performance
2023 Annual Report
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TATA KELOLA
PERUSAHAAN
Kinerja Perseroan akan memengaruhi penentuan besarnya The Company’s performance will affect the determination of
remunerasi khususnya yang bersifat variabel, serta kinerja remuneration, especially those that are variable, as well as
individu dan kinerja unit kerja dilakukan review setiap 3 (tiga) individual performance and work unit performance, which is
bulan sekali maupun 1 (satu) tahun sekali. Hasil penilaian reviewed every 3 (three) months or once a year. The results
kinerja individu dan unit kerja tersebut menjadi dasar bagi of the individual and work unit performance assessments
perusahaan memberikan apresiasi dalam bentuk bonus, become the basis for the company to give appreciation in
promosi grade/jabatan, dan kenaikan gaji tahunan. the form of bonuses, grade promotions/positions, and annual
salary increases.
3. Metode yang digunakan Bank untuk menyatakan bahwa 3. A description of the method used by the Bank to state that the
kinerja yang disepakati tidak dapat tercapai sehingga perlu agreed performance cannot be achieved so that it is necessary
dilakukan penyesuaian atas remunerasi serta besarnya to make adjustments to the remuneration and the amount of
penyesuaian remunerasi jika kondisi tersebut terjadi remuneration adjustment if such conditions occur
Pengukuran kinerja berdasarkan kinerja yang disepakati di Performance measurement based on agreed performance
awal tahun. Pemberian bonus berdasarkan penilaian kinerja at the beginning of the year. The awarding of bonuses is
individu dimana penentuannya sudah ditetapkan berdasarkan based on individual performance assessments where the
Surat Keputusan dan Surat Edaran. determination has been determined based on Decrees and
Circular Letter.
Penyesuaian Remunerasi Dikaitkan Remuneration Adjustment Associated
Dengan Kinerja dan Risiko With Performance and Risk
Remunerasi yang bersifat variabel sebagaimana diatur pada Variable remuneration stipulated in POJK Number 45/
POJK Nomor 45/POJK.03/2015 tentang Penerapan Tata Kelola POJK.03/2015 concerning the Implementation of Governance in
dalam Pemberian Remunerasi bagi Bank Umum, dapat diberikan the Provision of Remuneration for Commercial Banks can be given
dalam bentuk Tunai dan/atau Saham. Selain hal tersebut, Bank in the form of Cash and/or Share. In addition to this, the Company
wajib menetapkan pihak yang menjadi Material Risk Takers (MRT), is obliged to determine the parties who become Material Risk
sebagaimana yang telah diatur dalam ketentuan internal Bank pada Surat Takers (MRT), as regulated in the Company’s internal provisions in
Keputusan Direksi Nomor 0380/SK/DIR-CSE/2022 tanggal 22 Juli the Decree of Board of Directors Number 0380/SK/DIR-CSE/2022
2022 tentang Standar Operasional Prosedur Pengelolaan Penghasilan, dated July 22, 2022, concerning Standard Operating Procedures
Tunjangan dan Fasilitas bagi Dewan Komisaris dan Direksi. Selanjutnya for the Management of Income, Allowances and Facilities for
kepada pihak yang menjadi MRT, pemberian remunerasi the Board of Commissioners and Directors. Furthermore, to the
variabelnya wajib ditangguhkan Bank sebesar persentase tertentu. parties who become MRTs, the variable remuneration must be
deferred by the Bank by a certain percentage.
1. Bank telah menetapkan yang menjadi MRT adalah seluruh 1. The Bank has determined that the MRTs are all Directors.
Direksi. Tantiem untuk MRT diberikan dengan proporsi Tantiem for MRTs is given in the following proportion:
sebagai berikut:
a. 90% tunai dan diberikan secara langsung; a. 90% cash and given directly;
b. 10% ditangguhkan sebagai Long Term incentive (LTI), b. 10% deferred as Long Term Incentive (LTI), consisting of:
terdiri dari:
- 5% dalam bentuk tunai; dan - 5% cash; and
- 5% dalam bentuk saham. - 5% share.
2. Tantiem Bagi Dewan Komisaris diberikan sebagai berikut: 2. Tantiem for the Board of Commissioners is given as follows:
a. Komisaris Utama Independen dan Komisaris Independen a. Cash is entirely given to Independent President
diberikan seluruhnya secara langsung dalam bentuk Commissioner and Independent Commissioner.
tunai.
b. Komisaris diberikan 3% dalam bentuk saham dan sisanya b. 3% of shares are given to Commissioners and the rest is
diberikan tunai secara langsung. given directly in cash.
3. Penundaan pembayaran remunerasi yang bersifat variabel. 3. Postponement of payment of variable remuneration.
Malus diterapkan terhadap remunerasi yang bersifat Malus is applied to variable remuneration which is still
variabel yang masih ditangguhkan dengan jangka waktu suspended with a suspension period of 3 (three) years. Malus
penangguhan selama 3 (tiga) tahun. Malus terjadi apabila occurs if MRT is suspected of committing fraud.
MRT terindikasi melakukan fraud.
Laporan Tahunan 2023
962 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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CORPORATE
GOVERNANCE
Kebijakan pembayaran (vesting) atas penangguhan yang The payment (vesting) policy for suspensions made includes
dilakukan antara lain jangka waktu pembayaran. Jangka the payment period. The suspension period is 3 (three)
waktu penangguhan yaitu 3 (tiga) tahun sejak pertama kali years from the first time the variable remuneration is paid.
remunerasi yang bersifat variabel dibayarkan. Pengungkapan Disclosure of factors that determine differences in deferred
faktor yang menentukan perbedaan remunerasi yang bersifat variable remuneration between Employees or Groups of
variabel yang ditangguhkan di antara Pegawai atau Kelompok Employees. The bank does not yet have remuneration linked
Pegawai. Bank belum memiliki remunerasi dikaitkan dengan to performance and risks applied to employees.
kinerja dan risiko yang diberlakukan untuk pegawai.
Nama Konsultan Ekstern dan Tugas Name of Extern Consultants and Duties
Konsultan Terkait Kebijakan Remunerasi of Consultants Related to Remuneration
Policy
Dalam menetapkan remunerasi variabel, Perseroan memakai jasa In determining variable remuneration, the Company used the
konsultan eksternal yaitu Willis Tower Watson. services of an external consultant, namely Willis Tower Watson.
Paket Remunerasi dan Fasilitas yang Remuneration Packages and Facilities
Diterima oleh Direksi dan Dewan Received by The Directors and The Board
Komisaris of Commissioners
Paket remunerasi dan fasilitas yang diterima oleh Direksi dan The remuneration package and facilities received by the Directors
Dewan Komisaris telah disajikan pada Sub Judul Remunerasi and the Board of Commissioners had been presented in the
Dewan Komisaris dan Direksi Bab Tata Kelola Perusahaan dalam SubTitle of Remuneration of the Board of Commissioners and
Laporan Tahunan ini. Directors of the Corporate Governance Chapter in this Annual
Report.
Remunerasi yang Bersifat Variabel Variable Remuneration
1. Remunerasi Yang Bersifat Variabel adalah remunerasi yang 1. Variable Remuneration is remuneration related to performance
dikaitkan dengan kinerja dan risiko, antara lain bonus atau and risks, including bonuses or other equivalent forms.
bentuk lainnya yang dipersamakan dengan itu.
2. Long Term Insentif (LTI) adalah sebagian penangguhan dari 2. Long Term Incentive (LTI) is a partial suspension of the
pemberian Tantiem kepada MRT yang berbentuk tunai dan provision of Tantiem to MRTs in the form of cash and shares
saham dengan jangka waktu tertentu secara pro rata yang for a certain period of time on a pro tata basis that includes
didalamnya telah memperhitungkan pajak. tax.
3. Malus adalah kebijakan yang mengizinkan Bank berdasarkan 3. Malus is a policy that allows the Bank to delay the payment
kriteria tertentu menunda pembayaran sebagian atau seluruh of part or all of the deferred Variable Remuneration based on
dari Remunerasi yang Bersifat Variabel yang ditangguhkan. certain criteria.
4. Material Risk Taker (MRT) adalah pihak – pihak yang 4. Material Risk Takers (MRTs) are parties who have duties and
dikategorikan karena tugas dan tanggung jawabnya responsibilities for making decisions that have significant
mengambil keputusan yang berdampak signifikan terhadap impacts on the Bank’s risk profile.
profil risiko Bank.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 963
Page 455
TATA KELOLA
PERUSAHAAN
Jumlah Direksi, Dewan Komisaris dan Number of Directors, Board of
Pegawai yang Menerima Remunerasi Yang Commissioners and Employees Receiving
Bersifat Variabel Selama 1 (Satu) Tahun Variable Remuneration For 1 (One) Year
Jumlah Diterima dalam 1 (Satu) Tahun
Amount Received in 1 (One) Year
Remunerasi yang
Bersifat Variabel Direksi Dewan Komisaris Pegawai
Variable Board of Directors Board of Commissioners Employees
Remuneration
Orang Juta Rp Orang Juta Rp Orang Juta Rp
Person Million IDR Person Million IDR Person Million IDR
Total 7 63,673 7 22,938 7.459 427.779
Jabatan dan Jumlah Pihak Yang Menjadi Position and Number of Parties Becoming
Material Risk Takers Risk Takers Materials
1. MRT yang ditetapkan oleh Bank adalah Direksi 1. MRTs determined by the Bank are the Directors
Remunerasi yang bersifat variabel berlandaskan pada POJK Variable Remuneration is based on POJK Number 45/
Nomor 45/POJK.03/2015 tentang Penerapan Tata Kelola POJK.03/2015 concerning the Implementation of Governance
Dalam Pemberian Remunerasi Bagi Bank Umum dan SEOJK in the Provision of Remuneration for Commercial Banks
No 40/SEOJK.03/2016 tentang Penerapan Tata Kelola Dalam and SEOJK Number 40/SEOJK.03/2016 concerning
Pemberian Remunerasi Bagi Bank Umum. Berdasarkan Surat the Implementation of Governance in the Provision of
Keputusan Direksi Nomor 0380/SK/DIR-CSE/2022 tanggal 22 Remuneration for Commercial Banks. Based on the Decree
Juli 2022 tentang Standar Operasional Prosedur Penghasilan, of the Directors Number 0380/SK/DIR-CSE/2022 dated July
Tunjangan dan Fasilitas Dewan Komisaris dan Direksi, dimana 22, 2022 concerning Standard Operating Procedures for
jabatan dan jumlah pihak yang menjadi MRT adalah Direktur Management of Income, Allowances, and Facilities for the
Utama dan Seluruh Direksi. Board of Commissioners and Directors, the position and
number of parties who become MRTs are President Director
and the entire Board of Directors.
2. Non – MRT diberikan seluruhnya secara langsung dalam 2. Cash is entirely given to non-MRTs directly.
bentuk tunai.
Adapun Jabatan dan jumlah pihak yang menjadi Material Risk The positions and number of parties who are Material Risk Takers
Taker adalah sebagai berikut. are as follows.
Jabatan Jumlah
No
Position Total
Direktur Utama
1 1
Position
Direktur Komersial dan Usaha Mikro Kecil dan Menengah
2 1
Director of Commercial and Micro small and Medium Enterprises
Direktur Konsumer & Ritel
3 1
Director of Consumer & Retail
Direktur IT, Treasury dan International Banking
4 1
Director of IT, Treasury and International Banking
Direktur Operasional
5 1
Director of Operations
Direktur Keuangan
6 1
Director of Finance
Direktur Kepatuhan
7 1
Director of Compliance
Total 7
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964 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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CORPORATE
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Shares Option yang Dimiliki Direksi, Shares Option Owned by The Directors,
Dewan Komisaris, dan Pejabat Eksekutif Board of Commissioners, and Executive
Officers
Uraian terkait Shares Option yang Dimiliki Direksi, Dewan The detail of the Shares Options held by the Board of Directors,
Komisaris, dan Pejabat Eksekutif dijelaskan pada bagian Kebijakan Board of Commissioners and Executive Officers is explained in the
Pemberian Kompensasi Jangka Panjang Berbasis Kinerja Bab Tata Policy for Providing Long-Term Performance-Based Compensation
Kelola Perusahaan dalam Laporan Tahunan ini. in the Corporate Governance Chapter of this Annual Report.
Rasio Gaji Tertinggi dan Terendah Highest and Lowest Salary Ratio
Uraian Rasio
Description Ratio
Gaji Pegawai Tertinggi dengan Pegawai Terendah
14,58
Highest Employee Salary with Lowest Employee
Gaji Direksi yang Tertinggi dan Terendah
1,25
Highest and Lowest Directors’ Salaries
Gaji Dewan Komisaris yang Tertinggi dan Terendah
1,20
Highest and Lowest Board of Commissioners Salaries
Gaji Direksi dengan Gaji Pegawai Tertinggi
2,73
Directors’ salaries with the highest employee salaries
Jumlah Penerima dan Jumlah Total Number of Recipients and Total Amount
Remunerasi yang Bersifat Variabel yang of Variable Remuneration Guaranteed
Dijamin Tanpa Syarat Without Condition
Bagi Direksi dan Dewan Komisaris, RUPS dapat mengangkat For the Board of Directors and Board of Commissioners, the
Direksi dan Dewan Komisaris dan dinyatakan efektif setelah lulus GMS can appoint Directors and Board of Commissioners and
penilaian kemampuan dan kepatutan dari Otoritas Jasa Keuangan be declared effective after passing the fit and proper test from
sesuai dengan ketentuan yang berlaku. the Financial Services Authority in accordance with applicable
regulations..
Bagi Pegawai Bank tidak diberikan remunerasi yang bersifat For Bank employees, variable remuneration guaranteed
variabel yang dijamin tanpa syarat kepada calon Pegawai selama unconditionally is not given to prospective employees during
1 (satu) tahun pertama bekerja, namun Bank sebagaimana the first 1 (one) year of employment, but the Bank following
ketentuan yang berlaku memberikan apresiasi berupa insentif applicable regulations provides appreciation in the form of
dan/ atau bonus atas kinerja pegawai termasuk kepada calon incentives and/or bonuses for employee performance, including
Pegawai sebagai motivasi dalam mencapai target dengan tetap prospective employees, to motivate them to achieve targets while
memperhatikan kemampuan dan kinerja Bank, kinerja Unit Kerja taking into account the Company ability and performance, Work
dan kinerja Individu. Unit performance, and Individual performance.
Jumlah Pegawai yang Terkena Pemutusan Number of Employees Affected by
Hubungan Kerja dan Total Nominal Termination and Total Nominal Sentences
Pesangon yang Dibayarkan Paid
Jumlah Nominal Pesangon yang dibayarkan per Orang dalam 1 (Satu) Tahun Jumlah Pegawai
Nominal Amount of Severance Paid per Person in 1 (One) Year Number of Employees
Di atas Rp1 miliar
1
Above IDR 1 billion
Di atas Rp500 juta s.d. Rp1 miliar
1
Above IDR 500 million up to IDR 1 billion
Rp500 juta ke bawah
278
IDR 500 million and below
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 965
Page 457
TATA KELOLA
PERUSAHAAN
Jumlah Remunerasi yang Diberikan Dalam Total Remuneration Provided In 1 (One)
1 (Satu) Tahun year
A. Remunerasi yang Bersifat Tetap*
Fixed Remuneration*
Tunai (Juta Rp)
34,744
Cash (Million Rp)
Saham/instrument yang berbasis saham yang
diterbitkan Bank -
Shares/share-based instru-ments issued by the Bank
B. Remunerasi yang Bersifat Variabel*
Variable Remuneration*
Tidak Ditangguhkan Ditangguhkan
Not Suspended Suspended
Tunai (Juta Rp)
57,205 3,233
Cash (Million Rp)
Saham/instrument yang berbasis saham yang
diterbitkan Bank 242 3,233
Shares/share-based instru-ments issued by the Bank
Jumlah Total Remunerasi yang Bersifat Total Amount of Delayed Variables
Variabel yang Ditangguhkan dan Variabel Remuneration and Determined Variables
yang Ditangguhkan yang Dibayarkan Paid for 1 (One) Year
Selama 1 (Satu) Tahun
Jumlah total Remunerasi yang bersifat variabel yang ditangguhkan, The total amount of deferred variable remuneration, consisting of
yang terdiri dari tunai dan/ atau saham telah diterapkan untuk cash and/or shares has been applied for payment in 2023 with the
pembayaran tahun 2023 dengan rincian sebagai berikut: following details:
(Dalam jutaan rupiah)/(In million rupiah)
Tunai
3,233
Cash
Saham
3,233
Share
Jumlah total Remunerasi yang Bersifat Variabel yang ditangguhkan The total amount of Fixed Variable Remuneration who is 1 (one)
yang dibayarkan selama 1 (satu) tahun year.
(Dalam jutaan rupiah)/(In million rupiah)
Tunai
1,077
Cash
Saham
1,077
Share
Laporan Tahunan 2023
966 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 458
CORPORATE
GOVERNANCE
Jumlah diterima dalam 1 Tahun
Amount received in 1 Year
Remunerasi yang bersifat variabel (dalam jutaan rupiah)
Variable remuneration (in millions of rupiah)
Tidak ditangguhkan Ditangguhkan*
Not suspended Suspended*
Tunai
57,205 3,233
Cash
Saham
242 3,233
Share
Informasi Kuantitatif Quantitative Information
Total Pengurangan Selama Periode Laporan
Total Deductions During the Reporting Period
Sisa yang Masih
Jenis Remunerasi yang
Ditangguhkan Disebabkan Disebabkan
Bersifat Variabel*) Total
Remaining Penyesuaian Eksplisit Penyesuaian
Types of Variable Remuneration*) (A)+(B)
Pending (A) Implisit (B)
Total
Caused Explicit Ad- Caused Implic-it
(A)+(B)
justment (A) Adjustment (B)
Tunai (dalam juta rupiah)
2,155 - - -
Cash (in million rupiah)
Saham/Instrumen yang berbasis saham yang diterbitkan
Bank (dalam lembar saham dan nominal juta rupiah yang
merupakan konversi dari lembar saham tersebut)
1,553,438 Lembar - - -
Shares/share-based instruments issued by the Bank (in
shares and a nominal value of millions of rupiah which is the
conversion of the said shares)
Jumlah
Total
Keterangan: *) Hanya untuk MRT
Remarks: *) Only for MRT
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 967
Page 459
TATA KELOLA
PERUSAHAAN
Kebijakan Pemberian Kompensasi Performance-Based Long-Term
Jangka Panjang Berbasis Kinerja Compensation Policy
Program Kepemilikan Saham oleh Pegawai Employee and/or Management Share
dan/atau Manajemen (ESOP/MSOP) Ownership Program (ESOP/MSOP)
Pada tahun 2010, bank bjb melakukan aksi korporasi berupa In 2010, bank bjb undertook a corporate action in the form of an
Initial Public Offering (IPO). Dalam IPO tersebut, bank bjb Initial Public Offering (IPO). In this IPO, bank bjb introduced the
mengeluarkan program EMSA (Employee and Management EMSA (Employee and Management Stock Allocation) program,
Stock Allocation) yaitu penjualan saham Perseroan kepada which involved the sale of company shares to permanent
karyawan tetap, anggota Direksi dan anggota Dewan Komisaris employees, members of the Board of Directors, and members of
(kecuali Komisaris Independen) Perseroan pada saat Penawaran the Board of Commissioners (except Independent Commissioners)
Umum dengan jumlah sebanyak-banyaknya 10% (sepuluh at the time of the Public Offering, with a maximum of 10% (ten
persen) dari jumlah saham yang ditawarkan dalam Penawaran percent) of the total shares offered in the Public Offering or up
Umum atau sebanyak-banyaknya 242.407.250 lembar saham. to 242,407,250 shares. There were no specific requirements for
Tidak terdapat persyaratan khusus untuk karyawan tetap yang permanent employees to participate in the EMSA program. If the
dapat mengikuti program EMSA. Dalam hal jumlah saham number of shares subscribed in the EMSA program was less than
yang dipesan dalam program EMSA kurang dari 10% (sepuluh 10% (ten percent), the remaining shares would be re-offered to
persen) saham, maka sisa saham akan ditawarkan kembali the public. Based on the initial offering (book building) results, the
kepada masyarakat. Berdasarkan hasil penawaran awal (book number of shares subscribed in the EMSA program amounted to
building), jumlah pemesan saham program EMSA adalah sebesar IDR 46,360,200,000 or 77,267,000 shares, equivalent to 3.2% of
Rp46.360.200.000 atau 77.267.000 lembar saham, setara dengan the total shares offered to the public. Shares purchased under the
3,2% dari jumlah saham yang ditawarkan ke publik. Saham yang EMSA program could not be sold for a period of 6 (six) months
dibeli dalam program EMSA tidak dapat dijual dalam periode 6 from the date of the company’s share listing on the IDX, with an
(enam) bulan terhitung sejak tanggal pencatatan saham Perseroan exercise price equal to the price at the time of the Public Offering,
di BEI, dengan exercise price sesuai harga pada saat Penawaran which was IDR 600 per share. Following the EMSA program at
Umum, yaitu Rp 600 per lembar saham. Setelah program EMSA the time of the IPO, bank bjb has not implemented the EMSA
pada saat IPO tersebut, bank bjb belum melaksanakan program program again.
EMSA kembali.
Akuntan Publik Public Accountant
Penerapan Fungsi Audit Ekstern Implementation of The External Audit
Function
Berdasarkan Peraturan Peraturan Otoritas Jasa Keuangan No. Based on the OJK Regulation Number 37/ POJK.03/2019
32/POJK.03/2016 tentang perubahan atas No. 6/POJK.03/2015 concerning Transparency and Publication of Bank Reports, an
tentang Transparansi dan Publikasi Laporan Bank, audit atas audit of bank bjb Financial Statements was carried out by an
Laporan Keuangan bank bjb telah dilakukan oleh akuntan publik independent, competent, professional and objective public
yang independen, kompeten, profesional dan obyektif sesuai accountant in accordance with the Public Accountant Professional
dengan Standar Profesional Akuntan Publik, serta perjanjian kerja Standards, as well as work agreements and the scope of the audit
dan ruang lingkup audit yang telah ditetapkan. that has been determined.
bank bjb selalu berupaya meningkatkan komunikasi antara Kantor bank bjb always seeks to improve communication between the
Akuntan Publik, Komite Audit dan Manajemen untuk dapat public Accountant Office, Audit Committee Management to
meminimalisir kendala-kendala yang terjadi selama proses audit minimize the constraints that occurred during the audit process.
berlangsung. Agar proses audit sesuai dengan Standar Profesional In order for the audit process in accordance with the professional
Akuntan serta perjanjian kerja dan ruang lingkup audit yang telah standards of accountants as well as the work agreement and scope
ditetapkan dan selesai sesuai dengan target waktu yang telah of audit that has been established and completed in accordance
ditetapkan, secara rutin dilakukan pertemuan-pertemuan yang with the specified time target, regularly conducted meetings that
membahas beberapa permasalahan penting yang signifikan. discuss some Significant critical issues.
Laporan Tahunan 2023
968 PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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CORPORATE
GOVERNANCE
Penunjukan Akuntan Publik Public Accountant Designation
Laporan keuangan wajib diaudit oleh akuntan publik yang Financial statements are required to be audited by a public
terdaftar di Otoritas Jasa Keuangan. Penunjukan akuntan publik accountant registered with the Financial Services Authority. The
yang akan memberikan jasa audit atas informasi keuangan historis designation of a public accountant that will provide audit services
tahunan wajib diputuskan oleh Rapat Umum Pemegang Saham of annual historical financial information must be decided by the
dengan mempertimbangkan usulan Dewan Komisaris. general meeting of shareholders by considering the Board of
Commissioners proposal.
Penunjukan Kantor Akuntan Publik dan biaya audit telah sesuai The appointment of Public Accountant Office and audit fee has
dengan keputusan RUPS Tahunan dan merupakan Kantor akuntan been in accordance with the decision of the AGM and is the office
Publik dan Akuntan Publik (partner in-charge) yang terdaftar di of Public Accountant and public Accountant (partner incharge)
Bank Indonesia. Penugasan audit kepada Akuntan Publik dan KAP registered in Bank Indonesia. Audit assignments to public
telah memenuhi aspek-aspek: accountants and KAP have fulfilled the following aspects:
1. Kapasitas KAP. 1. Public Accounting Firm capacity.
2. Legalitas perjanjian kerja. 2. Legality of employment agreements.
3. Ruang lingkup audit. 3. Audit scope.
4. Standar Profesional Akuntan Publik. 4. Professional standards of public accountants.
5. Komunikasi antara KAP dengan pihak terkait. 5. Communication between the KAP and the related parties.
Kantor Akuntan Publik, Nama Akuntan, Public Accounting Firms, Accountant
Fee dan Izin KAP Names, Fees and KAP Permits
Daftar Kantor Akuntan Publik, Nama Akuntan, Fee dan Izin KAP List of Public Accounting Firms, Accountant Names, Fees and KAP
dapat dilihat pada tabel di bawah ini. Permits can be seen in the table below.
Tabel Kantor Akuntan Publik, Nama Akuntan, Fee dan Izin KAP
Table of Public Accounting Firms, Accountant Names, Fees and KAP Permits
Nama Akuntan
Kantor Akuntan Periode Periode
(Partner
Tahun Publik KAP Akuntan Fee Jasa Audit Izin KAP
Penanggung Jawab)
Year Public Accounting KAP Accountant Audit Service Fee KAP license
Name of Accountant
Firm Period Period
(Partner in Charge)
KAP Amir Abdi Jusuf,
Aryanto, Mawar dan No. 477/KM.1/2015 3
Rekan (RSM Indonesia) Periode ke 6 Periode ke 2 Juni 2015
2023 Saptoto Agustomo Rp2.547.000.000
KAP Amir Abdi Jusuf, 6th period 2nd period No. 477/KM.1/2015
Aryanto, Mawar and June 3, 2015
Partners (RSM Indo-nesia)
KAP Amir Abdi Jusuf,
Aryanto, Mawar dan No. 477/KM.1/2015 3
Rekan (RSM Indonesia) Periode ke 5 Periode ke 1 Juni 2015
2022 Saptoto Agustomo Rp2.500.000.000
KAP Amir Abdi Jusuf, 5th period 1st period No. 477/KM.1/2015
Aryanto, Mawar and June 3, 2015
Partners (RSM Indonesia)
KAP Amir Abdi Jusuf,
Aryanto, Mawar dan No. 477/KM.1/2015 3
Rekan (RSM Indonesia) Periode ke 4 Periode ke 3 Juni 2015
2021 Dedy Sukrisnadi Rp.2.400.000.000
KAP Amir Abdi Jusuf, 4th period 3rd period No. 477/KM.1/2015
Aryanto, Mawar and June 3, 2015
Partners (RSM Indo-nesia)
KAP Amir Abdi Jusuf,
Aryanto, Mawar dan No. 477/KM.1/2015 3
Rekan (RSM Indonesia) Periode ke 3 Periode ke 2 Juni 2015
2020 Dedy Sukrisnadi Rp.2.200.000.000
KAP Amir Abdi Jusuf, 3rd period 2nd period No. 477/KM.1/2015
Aryanto, Mawar and June 3, 2015
Partners (RSM Indo-nesia)
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 969
Page 461
TATA KELOLA
PERUSAHAAN
Nama Akuntan
Kantor Akuntan Periode Periode
(Partner
Tahun Publik KAP Akuntan Fee Jasa Audit Izin KAP
Penanggung Jawab)
Year Public Accounting KAP Accountant Audit Service Fee KAP license
Name of Accountant
Firm Period Period
(Partner in Charge)
KAP Amir Abdi Jusuf,
Aryanto, Mawar dan No. 477/KM.1/2015 3
Rekan (RSM Indonesia) Periode ke 2 Periode ke 1 Juni 2015
2019 Dedy Sukrisnadi Rp.2.700.000.000
KAP Amir Abdi Jusuf, 2nd period 1st period No. 477/KM.1/2015
Aryanto, Mawar and June 3, 2015
Partners (RSM
KAP Amir Abdi Jusuf,
Aryanto, Mawar dan No. 477/KM.1/2015 3
Rekan (RSM Indonesia) Periode ke 1 Periode ke 1 Juni 2015
2018 Saptoto Agustomo Rp1.919.000.000
KAP Amir Abdi Jusuf, 1st period 1st period No. 477/KM.1/2015
Aryanto, Mawar and June 3, 2015
Partners (RSM
No. 603/KM.1/2015
KAP Ernst & Young Periode ke 3 Periode ke 1 Tanggal 14 Juli 2015
2017 Yasir Rp 2.350.000.000
KAP Ernst & Young 3rd period 1st period No. 603/KM.1/2015
dated July 14, 2015
No. 603/KM.1/2015
KAP Ernst & Young Periode ke 2 Periode ke 2 Tanggal 14 Juli 2015
2016 Sinarta Rp 2.145.000.000
KAP Ernst & Young 2nd period 2nd period No. 603/KM.1/2015
dated July 14, 2015
No. 603/KM.1/2015
KAP Ernst & Young Periode ke 1 Periode ke 1 Tanggal 14 Juli 2015
2015 Sinarta Rp 1.950.000.000
KAP Ernst & Young 1st period 1st period No. 603/KM.1/2015
dated July 14, 2015
Jasa Lain yang Diberikan Akuntan Other Services Provided by Accountants
Jasa lain yang diberikan akuntan pada tahun 2023 terdiri atas: In 2023, other services provided by accountants consisted of:
1. Audit Penjatahan Emisi Penawaran Umum Obligasi 1. Audit of the allocation of the Continuous Subordinated Bond
Subordinasi Berkelanjutan III (PUB III) Tahap II Tahun 2022 Offering Phase II (PUB III) of 2022 valued at IDR 77,700,000.
senilai Rp77.700.000
2. Jasa Kantor Akuntan Publik Surat Berharga Perpetual PT Bank 2. Public Accountant Office services for the Perpetual Securities
Pembangunan Daerah Jawa Barat dan Banten Tbk Tahun of PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk
Buku 2023 senilai Rp277.500.000 for the Financial Year 2023 valued at IDR 277,500,000.
Sistem Pengendalian Internal Internal Control System
Sistem Pengendalian Internal (SPI) merupakan suatu mekanisme An effective internal control system requires the Company to
proses pengawasan yang ditetapkan oleh manajemen identify and assess risks that may affect the achievement of targets.
Perseroan secara berkesinambungan yang kualitas desain dan Risk assessment is carried out by the risk management unit. Internal
pelaksanaannya dipengaruhi oleh Dewan Komisaris, Direksi Audit also provides data related to risk profile adjustments based
serta seluruh pejabat dan pegawai Perseroan. SPI dirancang on the audit findings. The assessment can identify the types of
untuk dapat memberikan yang memadai guna menjaga dan risks faced, determine risk limits and risk control techniques. The
mengamankan harta kekayaan Perseroan, menjamin tersedianya risk assessment methodology serves as a benchmark for creating
laporan yang akurat, meningkatkan kepatuhan terhadap a risk profile in the form of data documentation, which can be
ketentuan yang berlaku, mengurangi dampak kerugian keuangan, updated periodically. Risk assessment also includes an assessment
penyimpangan termasuk kecurangan (fraud) dan pelanggaran of measurable (quantitative) and non-measurable (qualitative)
aspek kehati-hatian, serta meningkatkan efektivitas organisasi risks as well as controllable and uncontrollable risks, taking into
dan meningkatkan efisiensi biaya. account costs and benefits. Furthermore, the Company decides to
take this risk or not by reducing certain business activities.
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Tujuan Pengendalian Control Objectives
Sistem Pengendalian Intern bank bjb mengacu pada SEOJK 35/ Internal control system of bank bjb refers to OJK Circular Letter
SEOJK.03/2017 tentang Pedoman Sistem Pengendalian Intern 35/ SEOJK.03/2017 concering Internal Control System Guidelines
Bagi Bank Umum. Pengendalian intern diselenggarakan secara for Commercial Banks. Internal control is held continuously (on
berkesinambungan (on going basis) untuk mencapai 3 (tiga) going basis) to achieve 3 (three) objectives, namely:
sasaran, yaitu:
1. Mencapai efektivitas dan efisiensi pada setiap aktivitas yang 1. Achieving effectiveness and efficiency in every activity carried
dijalankan oleh Perseroan, mencakup kinerja operasional dan out by the company, covering operational and financial
keuangan, serta menjaga dan mengamankan harta kekayaan performance, as well as safeguarding and securing the
Perseroan. company’s wealth.
2. Menciptakan laporan finansial dan non-finansial bagi pihak 2. Create financial and non-financial reports for trusted,
internal dan eksternal yang terpercaya, tepat waktu, dan timely and transparent internal and external parties, and in
transparan, serta sesuai dengan regulasi dan standar yang accordance with applicable regulations and standards.
berlaku.
3. Menjaga kepatuhan terhadap hukum dan regulasi dalam 3. Maintain compliance with laws and regulations in all aspects
seluruh aspek aktivitas Perseroan. of the company’s activities.
Sistem Pengendalian Internal (SPI) yang efektif merupakan Effective Internal control System (SPI) is an important component
komponen penting dalam manajemen bank bjb dan menjadi in bank bjb management and is the basis for the company’s
dasar bagi kegiatan operasional Perseroan yang sehat dan aman. healthy and safe operational activities. The effective SPI helps the
SPI yang efektif dapat membantu Direksi dan Dewan Komisaris directors and the Board of Commissioners maintain bank assets,
menjaga aset bank, menjamin tersedianya pelaporan keuangan ensuring the availability of trustworthy financial and managerial
dan manajerial yang dapat dipercaya, meningkatkan kepatuhan reporting, improving the bank’s compliance with the laws and
bank terhadap ketentuan dan peraturan perundang-undangan, regulations, and reducing Risk of loss, irregularities, and violations
serta mengurangi Risiko terjadinya kerugian, penyimpangan, dan of caution.
pelanggaran aspek kehati-hatian.
Sistem Pengendalian Internal Perseroan Internal Control System of The Company
Ruang lingkup pengendalian internal bank bjb mengacu The scope of internal control of bank bjb refers to the appendix
pada Lampiran Surat Edaran Otoritas Jasa Keuangan No. 35/ of the OJK Circular letter No. 35/ SEOJK.03/2017 concerning The
SEOJK.03/2017 tentang Pedoman Standar Pengendalian Intern Guidelines for Internal Control of Internals For Commercial Banks.
Bagi Bank Umum. Komponen utama sistem pengendalian internal The main components of internal control systems are as follows.
adalah sebagai berikut.
Pengawasan oleh Manajemen dan Kultur Monitoring by Management and Culture of
Pengendalian Control
Direksi dan Dewan Komisaris mempunyai tanggung jawab The Directors and the Board of Commissioners have responsibilities
terkait pengawasan Sistem Pengendalian Intern dan Budaya related to the supervision of the Control System Internal and
Pengendalian, adapun tugas tanggung jawabnya adalah sebagai Control Culture, while the duties and responsibilities are as
berikut: follows:
1. Direksi mempunyai tanggung jawab sebagai berikut: 1. The Directors has the following responsibilities:
a. Melaksanakan kebijakan dan strategi yang telah disetujui a. Implementing policies and strategies that have been
oleh Dewan Komisaris. approved by the Board of Commissioners.
b. Memberikan masukan terkait prosedur untuk b. Provide input regarding procedures to identify, measure,
mengidentifikasi, mengukur, memantau dan monitor and control the risks faced by the Company.
mengendalikan risiko yang dihadapi Bank.
c. Memelihara suatu struktur organisasi yang mencerminkan c. Maintain an organizational structure that reflects the
kewenangan, tanggung jawab dan hubungan pelaporan clear authority, responsibilities and reporting relationship.
yang jelas.
d. Memantau pendelegasian wewenang telah berjalan d. Monitoring the delegation of authority has run
secara efektif dan didukung oleh penerapan akuntabilitas effectively and supported by the application of consistent
yang konsisten. accountability.
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e. Menetapkan kebijakan dan strategi serta prosedur e. To establish policies and strategies and internal control
pengendalian intern. procedures.
f. Memantau implementasi pengendalian intern yang f. Monitor internal control implementation implemented by
dilaksanakan oleh unit sistem pengendalian intern. internal control system unit.
2. Dewan Komisaris mempunyai tanggung jawab: 2. The Board of Commissioners has the following responsibilities:
a. Mengesahkan dan mengkaji ulang secara berkala a. Periodically ratify and review the bank’s overall business
terhadap kebijakan dan strategi usaha bank secara policies and strategies.
keseluruhan.
b. Memahami risiko utama yang dihadapi Bank, menetapkan b. Understand the main risks facing the Company, establish
tingkat risiko yang dapat ditolerir (risk tolerance) dan a risk tolerance and supervise the directors regarding the
mengawasi Direksi terkait langkah-langkah yang diambil measures taken by the directors in identifying, measuring,
Direksi dalam mengidentifikasi, mengukur, memantau monitoring and controlling such risks.
dan mengendalikan risiko tersebut.
c. Mengesahkan struktur organisasi. c. Validate organizational structure.
d. Mengawasi Direksi terkait tugas Direksi melakukan d. Supervises directors regarding the duties of Board of
pemantauan efektivitas pelaksanaan Sistem Pengendalian Directors monitoring the effectiveness of internal control
Intern. system.
Budaya Pengendalian Culture of Control
Direksi dan Dewan Komisaris bertanggung jawab dalam The Directors and the Board of Commissioners are responsible
meningkatkan etika kerja dan integritas yang tinggi serta for enhancing the high ethical work and integrity and creating
menciptakan suatu budaya organisasi yang menekankan kepada an organizational culture that emphasizes all officers on the
seluruh Pegawai mengenai pentingnya pengendalian intern importance of internal control. In order to create such a culture
yang berlaku. Dalam rangka menciptakan budaya pengendalian of control, the measures undertaken by the Company, among
tersebut, langkah-langkah yang dilakukan oleh Bank, antara lain: others:
1. Direksi dan Dewan Komisaris menjadi panutan (role model) 1. The Directors and the Board of Commissioners become role
bagi seluruh pegawai atau memiliki komitmen pribadi yang models for all employees or have a high personal commitment
tinggi terhadap pengembangan Bank yang sehat. to the development of healthy banks.
2. Direksi dan Dewan Komisaris mampu mengelola sumber daya 2. The Directors and Board of Commissioners are able to manage
manusia, termasuk dalam proses penempatan pegawai yang human resources, including in the process of employee
sesuai dengan keterampilan, pengetahuan dan perilakunya. placement in accordance with their skills, knowledge and
behaviour.
3. Meningkatkan kesadaran seluruh pegawai mengenai 3. Raise the awareness of all employees about the effectiveness
pentingnya efektivitas pelaksanaan tugas dan tanggung jawab of the implementation of the duties and responsibilities of
masing-masing dan selanjutnya pegawai mengkomunikasikan each and the employee communicates to the management
pada pihak manajemen yang terkait mengenai setiap related to each problem that occurs in the Operational and
permasalahan yang terjadi dalam kegiatan operasional dan non-operational activities of the Company.
non operasional Bank.
Identifikasi dan Penilaian Risiko Identification and Risk Assessment
Suatu sistem pengendalian intern yang efektif mengharuskan Bank An effective internal control system requires the Company to
mengidentifikasi dan menilai risiko yang dapat mempengaruhi identify and assess risks that may affect the achievement of targets.
pencapaian sasaran. Penilaian risiko dilaksanakan oleh unit Risk assessment is carried out by the risk management unit. Internal
manajemen risiko. Audit Internal turut memberikan data terkait Audit also provides data related to risk profile adjustments based
penyesuaian profil risiko berdasarkan hasil temuan-temuan on the audit findings. The assessment can identify the types of
pemeriksaan. Penilaian dapat mengidentifikasi jenis risiko yang risks faced, determine risk limits and risk control techniques. The
dihadapi, penetapan limit risiko dan teknik pengendalian risiko. risk assessment methodology serves as a benchmark for creating
Metodologi penilaian risiko menjadi tolak ukur untuk membuat a risk profile in the form of data documentation, which can be
profil risiko dalam bentuk dokumentasi data, yang bisa dikinikan updated periodically. Risk assessment also includes an assessment
secara perodik. Penilaian risiko juga meliputi penilaian terhadap of measurable (quantitative) and non-measurable (qualitative)
risiko yang dapat diukur (kuantitatif) dan tidak dapat diukur risks as well as controllable and uncontrollable risks, taking into
(kualitatif) maupun terhadap risiko yang dapat dikendalikan dan account costs and benefits. Furthermore, the Company decides to
tidak dapat dikendalikan, dengan memperhatikan biaya dan take this risk or not by reducing certain business activities.
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manfaatnya. Selanjutnya Bank memutuskan untuk mengambil
risiko tersebut atau tidak dengan cara mengurangi kegiatan usaha
tertentu.
Kegiatan Pengendalian dan Pemisahan Fungsi Operation Control and Separation of
Operasional (Pengendalian Operasional) Operational Functions (Operational Control)
Kegiatan pengendalian meliputi kebijakan, prosedur dan praktik Control activities include policies, procedures and practices that
yang memberikan keyakinan pejabatdan pegawai Bank bahwa provide office confidence and the Bank’s officers that the direction
arahan Direksi dan Dewan Komisaris telah dilaksanakan secara of the Bard of Directors and Board of Commissioner were
efektif. Kegiatan pengendalian dapat membantu Direksi dan effectively implemented. Control activities can assist the Directors
Dewan Komisaris dalam mengelola dan mengendalikan risiko and Board of Commissioners in managing and controlling risks
yang dapat mempengaruhi kinerja atau mengakibatkan kerugian that may affect performance or result in losses from the Bank.
Bank. Kegiatan Pengendalian diterapkan pada semua tingkatan Control activities are applied at all functional levels according to
fungsional sesuai struktur organisasi Bank, yang sekurang- the organizational structure of the Bank, which at least includes:
kurangnya meliputi:
1. Top level Review (Kaji Ulang oleh Manajemen) 1. Top level Review
Direksi secara berkala meminta penjelasan (informasi) dan The Directors periodically asks for an explanation (information)
laporan kinerja operasional dan non operasional dari pejabat and reports the operational and non-relational performance
eksekutif sehingga memungkinkan untuk mereview ulang of the Executive officer so that it is possible to review the
hasil kemajuan (realisasi) dibandingkan dengan target yang progress (realization) results compared to the target to be
akan dicapai, seperti laporan keuangan dibandingkan dengan achieved, such as Financial statements compared to a set
rencana kerja anggaran yang ditetapkan. Berdasarkan review budget work plan. According to the review, the directors
tersebut, Direksi segera mendeteksi permasalahan seperti immediately detected problems such as control weakness,
kelemahan pengendalian, kesalahan laporan keuangan atau financial report errors or other irregularities (fraud).
penyimpangan lainnya (fraud).
2. Functional Review (Kaji Ulang Kinerja) 2. Functional Review
Adanya review terhadap kinerja bank yang meliputi aktivitas Review of the bank’s performance covering operational and
operasional dan non operasional bank. Review ulang ini non-operational activities of the Bank. This review is carried
dilaksanakan oleh unit pengendalian terkait dengan frekuensi out by the control unit related to the frequency according to
sesuai tuntutan dan kebutuhan, cakupan review tersebut the demands and needs, the scope of the review are:
antara lain:
a. Melakukan review ulang terhadap penilaian risiko a. Re-review the risk assessment (risk profile report)
(laporan profil risiko) yang dihasilkan oleh satuan kerja generated by the risk Management unit.
manajemen risiko.
b. Menganalisis data kegiatan operasional dan non b. Analyzing operational and non-operational activities data,
operasional, baik data yang terkait dengan risiko maupun whether data related to risk or financial data, which is
data keuangan, yaitu melakukan verifikasi rincian dan to verify the details and transaction activity compared to
kegiatan transaksi dibandingkan dengan output (laporan) the output (report) generated by the working unit Risk
yang dihasilkan oleh satuan kerja manajemen risiko. management.
c. Melakukan review ulang terhadap realisasi pelaksanaan c. Reviewing the realization of the implementation of the
rencana kerja dan anggaran sehingga bisa: work plan and budget so that it can:
- Mengidentifikasi penyebab penyimpangan yang - Identifying the causes of significant deviations.
signifikan.
- Menetapkan persyaratan untuk tindakan perbaikan - Set requirements for (corrective actions).
(corrective actions).
3. Pengendalian Sistem Informasi 3. Information System control
a. Bank melakukan verifikasi terhadap akurasi dan a. Bank verifies the accuracy and completeness of the
kelengkapan dari transaksi dan melaksanakan prosedur transaction and carries out the authorization procedure,
otorisasi, sesuai dengan ketentuan intern. in accordance with the internal provisions.
b. Kegiatan pengendalian sistem informasi dapat b. Information system control activities can be classified
digolongkan dalam dua kriteria, yaitu pengendalian in two criteria, namely general control and application
umum dan pengendalian aplikasi. control.
c. Pengendalian umum meliputi pengendalian terhadap c. General control includes control over data center
operasional pusat data, sistem pengadaan dan operations, software procurement and maintenance
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pemeliharaan software, pengamanan akses, serta systems, access security, and the development and
pengembangan dan pemeliharaan sistem aplikasi yang maintenance of existing application systems.
ada.
Pengendalian umum ini diterapkan terhadap mainframe These common controls are applied to mainframe servers
server dan users workstation, serta jaringan internal- and users workstations, as well as internal-external
eksternal. networks.
d. Pengendalian aplikasi diterapkan terhadap program d. Application control is applied to the program used by
yang digunakan Bank dalam mengolah transaksi dan the Bank in processing transactions and to ensure that
untuk memastikan bahwa semua transaksi adalah benar, all transactions are true, accurate and have been properly
akurat dan telah diotorisasi secara benar. Selain itu, authorised. In addition, application control can monitor
pengendalian aplikasi dapat memantau terjadinya proses the occurrence of effective audit process and to check the
audit yang efektif dan untuk mengecek kebenaran proses truth of the audit process.
audit dimaksud.
4. Pengendalian Aset Fisik 4. Control of physical assets
Pengendalian aset fisik dilaksanakan untuk menjamin Physical asset control is implemented to ensure the
terselenggaranya pengamanan fisik terhadap aset Bank. implementation of physical safeguards against the Bank’s
Kegiatan ini meliputi pengamanan aset, catatan dan akses assets. These activities include securing assets, records and
terbatas terhadap program komputer dan file data, serta restricted access to computer programs and data files, and
membandingkan nilai aset dan liabilitas Bank dengan nilai comparing the value of Bank assets and liabilities with the
yang tercantum dalam catatan Bank. value stated in the Bank’s records.
5. Dokumentasi 5. Documentation
a. Bank sekurang-kurangnya memformalkan dan a. Bank at least forizes and documents the adequate
mendokumentasikan kebijakan, prosedur, sistem dan policies, procedures, systems and accounting standards
standar akuntansi serta proses audit secara memadai. and audit processes.
b. Dokumen tersebut diperbaharui secara berkala guna b. The document is updated periodically to describe the
menggambarkan kegiatan operasional dan non operational and non operational activities of the Company
operasional Bank secara aktual dan diinformasikan in actual and informed to all employees.
kepada seluruh pegawai.
c. Atas suatu permintaan, dokumen harus senantiasa c. On a request, the document must always be available for
tersedia untuk kepentingan auditor intern, akuntan publik the benefit of internal auditors, public accountants and
dan Otoritas Jasa keuangan Akurasi dan ketersediaan financial Services Authority the accuracy and availability
dokumen dinilai oleh auditor intern ketika melakukan of documents are assessed by internal auditors when
audit rutin maupun non rutin. conducting routine or nonroutine audits.
Pemisahan fungsi dilakukan agar setiap orang dalam Separation of functions is done so that every person in his
jabatannya tidak memiliki peluang untuk melakukan dan office does not have the opportunity to do and conceal
menyembunyikan kesalahan atau penyimpangan dalam errors or irregularities in the implementation of his duties
pelaksanaan tugasnya pada seluruh jenjang organisasi on the entire level of organization and all rare operational
dan seluruh langka kegiatan operasional dan non and non activities Operational. The Company must
operasional. Bank harus memahami prinsip pemisahan understand the principle of separation of this function
fungsi ini yang disebut sebagai “Four-Eyes Principle”. called the “Four-Eyes Principle”.
Sistem Akuntansi/Keuangan (Pengendalian Accounting/Financial System (Financial
Keuangan), Informasi dan Komunikasi Control), Information and Communication
Sistem akuntansi, informasi dan komunikasi yang memadai Adequate accounting, information and communication systems
dimaksudkan agar dapat mengidentifikasi masalah yang mungkin are intended to identify problems that may arise and be used as a
timbul dan digunakan sebagai sarana tukar menukar informasi means of exchanging information in order to perform the duties in
dalam rangka pelaksanaan tugas sesuai dengan tanggung jawab accordance with their respective responsibilities. The accounting
masing-masing. Sistem akuntansi meliputi metode dan catatan system includes the methods and records in order to identify,
dalam rangka mengidentifikasi, mengelompokkan, menganalisis, classify, analyze, classify, record/log and report Bank transactions.
mengklasifikasi, mencatat/membukukan dan melaporkan In order to ensure accurate and consistent accounting data
transaksi Bank. Untuk menjamin data akuntansi yang akurat dan with data available based on the results of processed systems
konsisten dengan data yang tersedia berdasarkan hasil olahan then the process of reconciliation between accounting data
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sistem maka proses rekonsiliasi antara data akuntansi dan sistem and management information system must be implemented
informasi manajemen wajib dilaksanakan secara berkala atau periodically or in a monthly basis.
sekurang-kurangnya setiap bulan.
Sistem informasi harus dapat menghasilkan laporan mengenai Information systems must be able to produce reports on
kegiatan usaha, kondisi keuangan, penerapan manajemen risiko business activities, financial conditions, implementation of risk
dan pemenuhan ketentuan yang mendukung pelaksanaan tugas management and fulfillment of provisions that support the duties
Direksi dan Dewan Komisaris. Sistem pengendalian intern yang of the Directors and BOC. Effective internal control system at least
efektif sekurang-kurangnya menyediakan data/informasi intern provides sufficient and comprehensive internal data/information
yang cukup dan menyeluruh mengenai keuangan, kepatuhan on finance, compliance with applicable rules and regulations,
terhadap ketentuan dan peraturan yang berlaku, informasi market information (external conditions) and any events and
pasar (kondisi eksternal) dan setiap kejadian serta kondisi yang conditions required in order to make the right and accountable
diperlukan dalam rangka pengambilan keputusan yang tepat decision making. Communication system is able to provide
dan dapat dipertanggungjawabkan. Sistem Komunikasi mampu information to all parties, both internal and externa.
memberikan informasi kepada seluruh pihak, baik internal
maupun eksternal.
Sistem pengendalian intern Perseroan menyediakan adanya The Bank’s internal control system provides effective communication
saluran komunikasi yang efektif agar seluruh pegawai Perseroan channels so that all Bank employees fully understand and adhere
sepenuhnya memahami dan mematuhi kebijakan dan prosedur to the policies and procedures that are in carrying out their duties
yang belaku dalam melaksanakan tugas dan tanggung jawabnya. and responsibilities.
Kepatuhan Terhadap Peraturan Perundang- Compliance With Other Law Regulations
Undangan Lainnya
Perseroan melalui Satuan Kerja Kepatuhan dalam upaya untuk The Company through the Compliance Work Unit in an effort to
memastikan Kepatuhan Perseroan terhadap ketentuan regulator ensure the Company’s compliance with regulatory provisions and
dan peraturan perundang-undangan lainnya, diantaranya melalui: other laws and regulations, including through:
1. Membuat langkah-langkah dalam rangka mendukung 1. Taking steps to support the creation of a Compliance Culture
terciptanya Budaya Kepatuhan pada seluruh kegiatan usaha in all Bank business activities at every level of the organization
Bank pada setiap jenjang organisasi melalui aktivitas: through the following activities:
a. Kegiatan sosialisasi dan observasi Budaya Kepatuhan a. Socialization and Observation of Compliance Culture
yang dilaksanakan secara rutin kepada semua tingkatan activities carried out regularly to all levels of organization
organisasi dan kegiatan usaha Bank; and Bank’s business activities;
b. Penyusunan kompilasi ketentuan internal melalui sistem b. Preparation of compilation of internal provisions through
aplikasi bjb KMS (Knowledge Management System) yang the bjb cyber cafe application system that could be
dapat diakses dengan mudah oleh seluruh insan Bank; accessed easily by all Bank personnel;
c. Pemantauan pelaksanaan rapat rutin yang dilaksanakan c. Monitoring the implementation of routine meetings held
oleh kantor wilayah/kantor cabang dengan agenda by regional offices/branch offices with an agenda for
pembahasan ketentuan-ketentuan internal Bank; discussing the Bank’s internal provisions;
d. Penerapan Sertifikasi ISO 37301:2021 Sistem Manajemen d. Implementation of the ISO 37301:2021 Compliance
Kepatuhan yang bertujuan untuk menciptakan Management System Certification aiming to create
manajemen kepatuhan yang lebih efektif berdasarkan more effective compliance management based on
standar internasional. Sertifikasi ini dilaksanakan pada international standards. This certification was carried out
lingkup proses pengajuan dan pencairan kredit korporasi within the scope of the corporate and commercial loan
dan komersial pada Divisi Korporasi dan Komersial serta application and disbursement process at the Corporate
Kantor Cabang Utama. and Commercial Division and the Main Branch Office.
2. Mengelola Risiko Kepatuhan yang dihadapi oleh Bank melalui 2. Managing the Compliance Risk faced by the Bank through the
aktivitas: following activities:
a. Melakukan identifikasi, inventarisasi dan monitoring a. Identifying, inventorying and monitoring compliance
kepatuhan atas kewajiban pelaporan kepada regulator with reporting obligations to regulators based on OJK
berdasarkan peraturan OJK dan ketentuan eksternal Regulations and other external provisions;
lainnya;
b. Melakukan pemantauan terhadap pelaksanaan prinsip b. Monitoring the implementation of the precautionary
kehati-hatian principle;
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c.Menyampaikan notifikasi dan pemantauan kepatuhan c. Submitting notification and monitoring of compliance
atas kewajiban pelaporan Bank kepada regulator agar with the Bank’s reporting obligations to the regulator
dilaksanakan dengan memperhatikan ketentuan yang so that it was carried out by considering the applicable
berlaku dan melakukan pengkinian database pelaporan; regulations and updating the reporting database;
d. Menyusun resume atas kebijakan atau peraturan yang d. Compiling a resume on policies or regulations issued by
dikeluarkan otoritas, misalnya PBI, PADG, POJK, SEOJK the authorities, such as PBI, PADG, POJK, SEOJK and other
dan peraturan lain yang berhubungan dengan Bank. regulations related to the Bank. The results of the resume
Hasil resume tersebut disampaikan kepada unit kerja were submitted to the relevant work unit for further
terkait untuk selanjutnya digunakan oleh unit kerja terkait use by the relevant work unit to make improvements or
untuk dilakukan perbaikan atau penyesuaian terhadap adjustments to the policies, systems and procedures that
kebijakan, sistem dan prosedur yang telah ada pada unit already existed in the work unit;
kerja;
e. Melakukan pengkinian terhadap kertas kerja atau tools e. Updating the working papers or tools used in monitoring
yang dipergunakan dalam pemantauan pelaporan dan reporting and the precautionary principle currently being
prinsip kehatian-hatian yang dilakukan oleh Bank saat carried out by the Bank. This was done so that in the
ini. Hal tersebut dilakukan agar kedepan tidak terjadi future there was no delay in submitting reports to the
keterlambatan penyampaian pelaporan kepada otoritas supervisory authority or other competent authorities
pengawas ataupun otoritas yang berwenang lainnya yang which might result in sanctions or fines to the Bank;
dapat menimbulkan sanksi atau denda kepada Bank;
f. Dalam menghadapi era transformasi digital, dilaksanakan f. In facing the era of digital transformation, strategies
strategi-strategi antara lain Prioritisasi kecukupan were implemented, including prioritizing the adequacy of
ketentuan-ketentuan internal khususnya dalam bidang internal regulations, especially in the field of digitization;
digitalisasi;
g. Menetapkan risk limit, risk tolerance, dan risk appetite g. Establishing risk limits, risk tolerance, and risk appetite for
risiko kepatuhan; compliance risks;
h. Melakukan identifikasi titik rawan gratifikasi pada Bank h. Identifying gratituity prone points at the Bank as an
sebagai early warning dalam melaksanakan tindakan early warning in implementing gratituities and/or fraud
mitigasi risiko gratifikasi dan/atau fraud, serta Penerapan risk mitigation measures, as well as implementing ISO
ISO 37001:2016 Sistem Manajemen Anti Penyuapan 37001:2016 Anti-Bribery Management System (SMAP) in
(SMAP) pada sektor usaha Bank untuk menghindari the Bank’s business sector to avoid bribery practices (Zero
adanya praktik penyuapan (Zero Tolerance). Tolerance).
i. Melakukan pengembangan sistem yang dapat i. Developing systems reducing the potential for
mengurangi potensi Risiko Kepatuhan, antara lain bjb Compliance Risk, including bjb AMOLA as a system
AMOLA sebagai sistem yang digunakan pada kegiatan used in AML-CFT activities, and bjb SiPatuh as a system
APUPPT, dan bjb SiPatuh sebagai sistem yang digunakan used in monitoring reporting obligations to regulators,
dalam monitoring kewajiban pelaporan kepada Regulator, submitting notifications of the latest external provisions
penyampaian notifikasi ketentuan eksternal terbaru dan and monitoring prudential principles.
monitoring prinsip kehati-hatian.
j. Penguatan Sistem Informasi, misalnya pengembangan j. Strengthening the Information System, for example the
Knowledge Management System sebagai sistem yang development of the Knowledge Management System as
memudahkan pegawai dalam mencari ketentuan- a system that made it easier for employees to search for
ketentuan yang berlaku dan Fraud Detection System applicable regulations and the Fraud Detection System to
untuk mendeteksi transaksi mencurigakan/ fraud secara detect suspicious/fraud transactions quickly.
cepat.
3. Untuk memastikan kebijakan, sistem, dan prosedur serta 3. Ensuring that the policies, systems, and procedures as well
kegiatan usaha yang dilakukan Bank telah sesuai dengan as the business activities carried out by the Bank were in
ketentuan atau peraturan perundang-undangan yang accordance with the prevailing laws and regulations, and the
berlaku, dilaksanakan aktivitas sebagai berikut: following activities were carried out:
a. Pengkajian terhadap draft/rancangan kebijakan, sistem, a. Reviewing the drafts of policies, systems, and procedures
dan prosedur yang akan diberlakukan oleh Bank; to be implemented by the Bank;
b. Memverifikasi materi kegiatan rapat teknis dan/atau b. Verifying the material for technical meeting activities and/
menghadiri kegiatan rapat teknis; or attend technical meeting activities;
c. Melakukan kajian rencana penerbitan produk dan/atau c. Reviewing plans for the issuance of new products and/or
pelaksanaan aktivitas baru dan memverifikasi rencana implementation of new activities and verifying plans for
produk dan/atau aktivitas baru yang akan dikeluarkan new products and/or activities to be issued by the Bank;
oleh Bank;
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d. Melakukan analisa dan verifikasi dokumen atas rencana d. Analyzing and verifying documents on plans for
pengajuan kesiapan operasional jaringan kantor submitting office network operational readiness using the
menggunakan compliance check list jaringan kantor. office network compliance check list.
4. Memastikan kepatuhan Bank terhadap komitmen yang 4. Ensuring the Bank’s compliance with the commitments made
dibuat oleh Bank kepada Otoritas Jasa Keuangan dan/atau by the Bank to the Financial Services Authority and/or other
otoritas pengawas lain yang berwenang, dilaksanakan melalui competent supervisory authorities through monitoring and
aktivitas monitoring dan pelaporan tindak lanjut penyelesaian reporting activities on the follow-up to the completion of the
komitmen Bank. Bank’s commitments.
5. Penerapan Program Anti Pencucian uang dan Pencegahan 5. Implementing the Anti-Money Laundering and Prevention of
Pendanaan Terorisme, yang dilaksanakan dengan Terrorism Financing Program, which was carried out based
berlandaskan kepada 5 pilar Penerapan Program APUPPT, on the 5 pillars of the Anti Money Laundering and Counter-
yaitu: Terrorism Financing (AML-CFT) Program Implementation,
namely:
a. Pengawasan aktif Dewan Komisaris dan Direksi a. Active supervision of the Board of Commissioners and the
Directors
b. Kebijakan dan Prosedur b. Policies and Procedures
c. Pengendalian Internal c. Internal control
d. Sistem Informasi Manajemen, serta d. Management Information System, as well as
e. Sumber Daya Manusia dan Pelatihan e. Human Resources and Training
6. Dalam rangka menunjang terwujudnya Tata Kelola yang baik, 6. In order to support the realization of Good Governance,
Bank melalui Divisi Kepatuhan & APU PPT melakukan upaya- the Bank through the Compliance Division & Anti Money
upaya pencegahan untuk mengurangi atau memperkecil Laundering and Counter-Terrorism Financing (AML-CFT) took
risiko yang akan mengakibatkan kerugian bagi Bank maupun preventive measures to reduce or minimize risks that resulted
stakeholders diantaranya pencegahan tindak pidana korupsi in losses for the Bank and stakeholders including prevention
melalui: of corruption through:
1) Program Pengendalian Gratifikasi 1) Gratuity Control Program The Gratituity Control Program
Program Pengendalian Gratifikasi dilaksanakan was implemented based on a joint commitment/
berdasarkan Komitmen bersama/kesepakatan kerjasama cooperation agreement on the implementation of the
penerapan Program Pengendalian Gratifikasi dan Gratification Control Program and State Administrators
Perluasan LHKPN yang telah ditandatangani antara bank Wealth Reports (LHKPN) Expansion which was signed
bjb dengan KPK pada tanggal 25 Maret 2011. between bank bjb and the KPK on March 25, 2011.
2) Monitoring Laporan Harta Kekayaan Penyelenggara 2) Monitoring of State Administrators Wealth Reports
Negara (LHKPN) (LHKPN) In the 2022 period (2021 LHKPN reporting),
Pada periode tahun 2022 (pelaporan LHKPN tahun 2021), based on the monitoring results from the Corruption
berdasarkan hasil monitoring dari KPK, tingkat kepatuhan Eradication Commission, bank bjb reporting compliance
pelaporan bank bjb telah mencapai 100% rate reached 100%
3) Monitoring Benturan kepentingan. 3) Monitoring Conflicts of interest. In the period of 2023,
Pada periode tahun 2023, tidak terdapat Laporan there was no Conflict of Interest Report.
Benturan Kepentingan.
4) Penerapan ISO 37001:2016 Sistem Manajemen Anti 4) Implementation of ISO 37001 : 2016 Anti-Bribery
Penyuapan Management System
Pada tanggal 22 November 2021, bank bjb telah berhasil On November 22, 2021, bank bjb successfully obtained the
memperoleh sertifikat ISO 37001:2016 Sistem Manajemen certificate of ISO 37001:2016 Anti-Bribery Management
Anti Penyuapan pada ruang lingkup proses pengajuan System in the scope of the application and disbursement
dan pencairan kredit Korporasi dan Komersial di Kantor process for Corporate and Commercial loans at the Head Office
Pusat dan Kantor Cabang Utama Bandung. Penerapan ISO and Main Branch Offices in Bandung. The implementation
37001:2016 Sistem Manajemen Anti Penyuapan merupakan of ISO 37001:2016 AntiBribery Management System was a
perwujudan komitmen Bank dalam aksi pencegahan dan manifestation of the Bank’s commitment in preventing and
pemberantasan korupsi, sebagai bagian dari upaya bank bjb eradicating corruption, as part of bank bjb efforts to improve
untuk meningkatkan tata kelola yang baik (Good Corporate good corporate governance.
Governance).
7. Dalam rangka penerapan fungsi kepatuhan terintegrasi pada 7. In the context of implementing the integrated compliance
Konglomerasi Keuangan, maka Bank melalui Divisi Kepatuhan function in the Financial Conglomerate, the Bank through
& APU PPT melakukan pemantauan dan evaluasi terhadap the Compliance Division & Anti Money Laundering and
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pelaksanaan Fungsi Kepatuhan pada masing-masing Lembaga Counter Terrorism Financing (AML-CFT) Program conducted
Jasa Keuangan dalam Konglomerasi Keuangan bank bjb yang monitoring and evaluation of the implementation of the
dilakukan secara berkala setiap triwulan. Compliance Function at each Financial Services Institution in
the bank bjb Financial Conglomerate carried out periodically
every quarter.
Kegiatan Pemantauan dan Tindakan Koreksi Activities Monitoring and Correction Actions
Penyimpangan Irregularities
Perseroan melakukan pemantauan terhadap efektivitas The Bank is monitoring the overall effectiveness of internal control
keseluruhan pelaksanaan pengendalian intern. Pemantauan implementation. Monitoring of the Bank’s key risks should be
terhadap risiko utama Perseroan harus diprioritaskan dan prioritized and serve as part of daily Bank activities including
berfungsi sebagai bagian dari kegiatan Perseroan sehari-hari periodic evaluation, both by operational and non-operational
termasuk evaluasi secara berkala, baik oleh satuan-satuan kerja units and by internal Audit work unit (SKAI). The Bank monitors
operasional dan non operasional maupun oleh Satuan Kerja Audit and evaluates The adequacy of internal control systems is related
Intern (SKAI). Perseroan memantau dan mengevaluasi kecukupan to the change in external conditions and externally and should
sistem pengendalian intern berkaitan dengan adanya perubahan increase the capacity of the internal control system so that its
kondisi internal dan eksternal serta harus meningkatkan kapasitas effectiveness can be improved.
sistem pengendalian intern tersebut agar efektivitasnya dapat
ditingkatkan.
Kelemahan dalam pengendalian intern, baik yang diidentifikasi The weakness in internal control, whether identified by operational
oleh satuan kerja operasional (risk taking unit), SKAI maupun working units (risk taking units), SKAI and other parties, is
pihak lainnya, segera dilaporkan dan menjadi perhatian pejabat immediately reported and becomes the attention of officials or
atau Direksi yang berwenang. Kelemahan pengendalian intern competent directors. Weaknesses of material internal control are
yang material juga dilaporkan kepada Dewan Komisaris. also reported to the Board of Commissioners.
Kesesuaian dengan Committee of Compliance with the Committee of
Sponsoring Organizations Of Treadway Sponsoring Organizations of Tradeway
Commission (COSO) Commission (COSO)
COSO Internal Control – Integrated Framework, membagi COSO Internal Control – Integrated Framework, divides internal
pengendalian intern dalam 5 (lima) komponen yang saling terkait control in 5 (five) interrelated components:
yaitu:
Control Environment Control Environment
Penetapan kebijakan oleh Direksi yang akan menentukan budaya Policy determination by the directors will determine the culture
dan kegiatan operasional perusahaan secara keseluruhan dan and operational activities of the company as a whole and become
menjadi acuan bagi ke – 4 komponen lainnya, mencakup: a reference for the 4 other components, including:
Tanggung jawab Direksi untuk: Responsibilities of the Directors:
1. Menyetujui dan secara periodik mereview keseluruhan 1. Approve and periodically view the overall business strategy
strategi bisnis dan kebijakan Bank. and policy of the Bank.
2. Memahami risiko utama yang dihadapi Bank, menetapkan 2. Understand the main risks facing the Bank, establishing
tingkat risiko yang dapat diterima dan memastikan bahwa acceptable levels of Riisko and ensuring that senior
manajemen senior yang dapat diterima dan memastikan management is acceptable and ensuring that senior
bahwa manajemen senior telah melaksanakan identifikasi, management has conducted identification, measuring,
mengukur, memantau dan mengendalikan risiko. monitoring and controlling Risk.
3. Menyetujui struktur organisasi. 3. Approve the organizational structure.
4. Memastikan bahwa manajemen senior memantau efektivitas 4. Ensure that senior management monitors the effectiveness of
dari sistem pengendalian intern Bank. the Bank’s internal control system.
Tanggung jawab Manajemen Senior untuk: Responsibilities of Senior Management:
1. Mengimplementasikan strategi dan kebijakan yang telah 1. Implement strategies and policies approved by the Directors.
disetujui oleh Direksi.
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2. Menetapkan proses untuk mengidentifikasi, mengukur, 2. Establish a process for identifying, measuring, monitoring and
memonitor dan memantau risiko yang terjadi di Bank. monitoring the risks that occur in the Bank.
3. Memastikan bahwa struktur organisasi dengan jelas 3. Ensure that the organizational structure clearly establishes
menetapkan tanggung jawab, kewenangan dan garis responsibility, authority and reporting lines and ensures
pelaporan serta memastikan bahwa pendelegasian tanggung that the delegation of responsibility has been implemented
jawab telah dilaksanakan secara efektif. effectively.
4. Menetapkan kebijakan pengendalian intern yang tepat 4. Establishing appropriate internal control policies and
serta memantau kecukupan dan efektivitas dari sistem monitoring the adequacy and effectiveness of internal control
pengendalian intern. systems.
Tanggung jawab Direksi dan Manajemen Senior untuk: Responsibilities of Directors and Senior Management:
Menetapkan standar etika dan integritas yang tinggi serta To establish high ethical and integrity standards and to develop
mengembangkan budaya yang menekankan dan memperlihatkan a culture that emphasizes and demonstrates to all employees
kepada seluruh karyawan mengenai pentingnya pengendalian about the importance of internal control. Every employee in the
intern. Setiap karyawan dalam organisasi perlu mengetahui peran organization needs to know each other’s role in internal control.
masing-masing dalam pengendalian intern.
Risk Assessment Risk Assessment
Mengindentifikasi dan menganalisis risiko yang dihadapi dalam Identifying and analyzing the risks faced in objective achievement
pencapaian obyektif perusahaan serta menentukan bagaimana of the company and determining how a risk should be managed,
suatu risiko harus dikelola, mencakup sistem pengendalian intern including an effective internal control system that can identify and
yang efektif yang dapat mengidentifikasi dan menelaah risiko study the risks can materially affect the objective achievement of
yang secara material dapat mempengaruhi pencapaian obyektif the Bank. The study must cover all risks that the Bank faces in
Bank. Penelahaan harus mencakup seluruh risiko yang dihadapi consolidation (including credit risk, liquidity risk, operational risk,
Bank secara konsolidasi (antara lain risiko kredit, risiko likuiditas, legal risk, strategic risk, compliance risk and reputational risk).
risiko operasional, risiko hukum, risiko stratejik, risiko kepatuhan
dan risiko reputasi).
Control Activities Control Activities
Meliputi kebijakan, prosedur dan praktek pelaksanaan untuk Includes policies, procedures and practices to ensure that the
memastikan bahwa arahan/kebijakan Direksi dilaksanakan directors ‘directives/policies are well executed and consistent,
dengan baik dan konsisten, mencakup: including:
1. Ditetapkannya suatu struktur pengendalian yang tepat, 1. Set up a precise control structure, which explains the
yang menjelaskan aktivitas pengendalian di setiap tingkatan controlling activity at every business level. This includes
bisnis. Hal ini mencakup review oleh manajemen puncak, reviews by top management, appropriate control activities
aktivitas pengendalian yang tepat untuk berbagai unit kerja, for a variety of work units, physical control, reduction in
pengendalian fisik, pengecekkan mengenai kepatuhan compliance with limits and further limits on non-compliance,
terhadap limit-limit dan tindak lanjut atas ketidakpatuhan, systems related to approval and authorization processes and
sistem yang terkait dengan proses persetujuan dan otorisasi verification and reconciliation systems.
serta sistem verifikasi dan rekonsiliasi.
2. Adanya pemisahan tugas yang benar/tepat dan tidak ada 2. The separation of the right/right tasks and no assignment in
penugasan yang berbenturan kepentingan/tanggung jawab. conflict of interest/responsibilities. Areas of potential conflicts
Area yang berpotensi terjadinya benturan kepentingan harus of interest must be identified, minimized and must always be
diidentifikasi, diminimalisir dan harus senantiasa dipantau. monitored.
Information and Communication Information and Communication
Mencakup perolehan dan penyampaian informasi yang relevan Includes obtaining and delivering relevant information as the basis
sebagai dasar untuk pengambilan keputusan, termasuk for decision making, including communicating in detail and timely
mengkomunikasikan secara detail dan tepat waktu sehingga manner so that it can be implemented effectively and efficiently,
dapat dilaksanakan secara efektif dan efisien, meliputi: including:
1. Data finansial, operasional dan kepatuhan yang komprehensif 1. well as market information on events and relevant conditions
serta informasi pasar mengenai kejadian maupun kondisi yang for decision making. Such information must be trustworthy,
relevan untuk pengambilan keputusan. Informasi tersebut timely, accessible and created in a consistent format.
harus dapat dipercaya, tepat waktu, dapat diakses dan dibuat
dalam format yang konsisten.
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2. Sistem informasi yang handal yang mencakup seluruh aktivitas 2. Reliable information system that covers all the important Bank
Bank yang penting. activities.
3. Saluran komunikasi yang efektif untuk memastikan bahwa 3. Effective communication channels to ensure that all employees
seluruh karyawan memahami dan mentaati kebijakan dan understand and adhere to the policies and procedures
prosedur yang terkait dengan tugas dan tanggung jawab associated with their respective duties and responsibilities and
masing-masing dan bahwa informasi diterima oleh karyawan that information is received by the appropriate employees.
yang tepat.
Monitoring Monitoring
Proses untuk menilai kualitas pengendalian intern yang dilakukan Process to assess the quality of internal controls that are carried out
secara berkesinambungan untuk mematikan bahwa pengendalian continuously to disable that the control is running in accordance
berjalan sesuai dengan ketentuan, mencakup: with provisions, including:
1. Pemantauan yang berkesinambungan terhadap efektivitas 1. Ongoing monitoring of the effectiveness of internal controls
pengendalian intern serta pemantauan terhadap risiko-risiko and monitoring of key risks must be part of daily activities
kunci harus merupakan bagian dari aktivitas harian serta and should be evaluated periodically by business executor and
harus dievaluasi secara periodik oleh pelaksana bisnis dan internal audit.
audit intern.
2. Pelaksanaan audit yang komprehensif terhadap sistem 2. Implementation of a comprehensive audit of internal control
pengendalian intern oleh auditor intern yang independen, systems by independent, trained and competent internal
terlatih dan kompeten, yang hasilnya harus dilaporkan auditors, whose results must be reported directly to the
langsung kepada Direktur Utama, Komite Audit dan President Director, Audit Committee and related senior
manajemen senior terkait. management.
3. Identifikasi kekurangsempurnaan dalam pengendalian 3. Identification of imperfections in internal control by
intern oleh karyawan, pelaksana bisnis maupun audit intern employees, business executor or internal audit which should
yang harus segera dilaporkan ke tingkat manajemen dan be reported immediately to the level of management and
ditanggapi. Kekurangan yang signifikan harus dilaporkan response. Significant deficiencies should be reported to Senior
kepada Manajemen Senior dan Direksi. Management and the Directors.
Tinjauan atas Efektivitas Sistem Overview of The Internal Control System
Pengendalian Internal The Effectiveness
Kelemahan dalam pengendalian intern, baik yang diidentifikasi Weaknesses in internal control, whether identified by the
oleh satuan kerja operasional (risk taking unit), SKAI maupun operational work unit (risk taking unit), Internal Audit Work Unit
pihak lainnya, segera dilaporkan dan menjadi perhatian pejabat or other parties, were immediately reported and came to the
atau Direksi yang berwenang. Kelemahan pengendalian intern attention of the authorized officer or Board of Directors. Material
yang material juga dilaporkan kepada Dewan Komisaris. internal control weaknesses were also reported to the Board of
Langkah-langkah perbaikan yang dilakukan Bank dalam rangka Commissioners. Corrective steps taken by the Bank in order to
memperbaiki kelemahan pengendalian intern, antara lain: improve internal control weaknesses were:
- Setiap laporan mengenai kelemahan dalam pengendalian - Any reports regarding weaknesses in internal control or
intern atau tidak efektifnya pengendalian risiko Bank segera ineffectiveness of the Bank’s risk controls were immediately
ditindaklanjuti oleh Dewan Komisaris, Direksi dan pejabat followed up by the Board of Commissioners, Directors and
eksekutif terkait. relevant executive officers.
- SKAI melakukan review atau langkah pemantauan lainya - Internal Audit Work Unit conducted reviews or other adequate
yang memadai terhadap kelemahan yang terjadi dan segera monitoring steps on weaknesses that occur and immediately
melaporkan kepada Direktur Utama, Dewan Komisaris reports to the President Director, the Board of Commissioners
dan Komite Audit, dalam hal masih terdapat kelemahan and the Audit Committee, in the event that there were still
yang belum diperbaiki atau tindakan korektif yang belum weaknesses that had not been corrected or corrective actions
ditindaklanjuti. that had not been followed up.
- Untuk menentukan bahwa seluruh kelemahan segera - To determine that all weaknessesweare immediately followed
ditindaklanjuti maka harus ada kesadaran dari unit terkait up, there had to be awareness from the relevant units to
untuk segera mengambil langkah perbaikan. Direksi immediately take corrective steps. The Board of Directors and
dan Dewan Komisaris harus menerima laporan secara Board of Commissioners had to receive periodic reports in
berkala berupa ikhtisar mengenai hasil identifikasi seluruh the form of a summary of the results of identification of all
permasalahan dalam pengendalian intern. problems in internal control.
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Berdasarkan evaluasi yang telah dilakukan selama tahun 2023 Based on the evaluation that has been carried out in 2023, it
menunjukkan bahwa sistem pengendalian internal pada bank bjb shows that the internal control system at bank bjb was adequate.
telah memadai.
Pernyataan Direksi dan/atau Dewan Statement of The Directors and/or the
Komisaris atas Kecukupan Sistem Board of Commissioners on The Adequacy
Pengendalian Internal of the Internal Control System
SKAI, Direksi, Dewan Komisaris serta Komite Audit telah SKAI, the Board of Directors, the Board of Commissioners and
melakukan pemantauan terhadap efektivitas keseluruhan the Audit Committee have monitored the overall effectiveness of
pelaksanaan pengendalian intern. SKAI, Direksi, Dewan Komisaris internal control implementation. SKAI, the Board of Directors, the
serta Komite Audit memantau dan mengevaluasi kecukupan Board of Commissioners and the Audit Committee monitor and
sistem pengendalian intern berkaitan dengan adanya perubahan evaluate the adequacy of the internal control system in relation
kondisi internal dan eksternal serta harus meningkatkan kapasitas to changes in internal and external conditions and must increase
sistem pengendalian internal tersebut agar efektivitasnya dapat the capacity of the internal control system so that its effectiveness
ditingkatkan. Pada tahun 2023, SKAI, Direksi, Dewan Komisaris can be increased. During 2023, SKAI, the Board of Directors, the
serta Komite Audit menilai bahwa sistem pengendalian internal Board of Commissioners and the Audit Committee consider that
telah memadai. the internal control system is adequate.
Manajemen Risiko Risk Management
Dasar Penerapan Manajemen Risiko Basic Risk Management Implementation
Dalam penerapan manajemen risiko, bank bjb senantiasa patuh In the application of risk management, bank bjb is always
dan taat terhadap regulasi dan perundang-undangan yang obedient and obedient to the prevailing regulations and legislation
berlaku di Indonesia dengan mengacu pada: in Indonesia with reference to:
Penerapan Manajemen Risiko Individu: Penerapan Manajemen Risiko Individu:
1. POJK Nomor 18/POJK.03/2016 tentang Penerapan 1. OJK Regulation Number 18/POJK.03/2016 concerning
Manajemen Risiko Bagi Bank Umum. Implementation of Risk Management for Commercial Banks.
2. POJK Nomor 4/POJK.03/2016 tentang Penilaian Tingkat 2. OJK Regulation Number 4/POJK.03/2016 concerning
Kesehatan Bank Umum. Assessment of the Soundness Level of Commercial Banks.
3. POJK Nomor 11/POJK.03/2016 tentang Kewajiban Penyediaan 3. OJK Regulation Number 11/POJK.03/2016 concerning
Modal Minimum Bank Umum. Minimum Capital Requirements for Commercial Banks.
4. POJK Nomor 31/POJK.03/2019 tentang Kewajiban 4. OJK Regulation Number 31/POJK.03/2019 concerning
Pemenuhan Rasio Pengungkit Bagi Bank Umum. Obligations to Fulfill Leverage Ratios for Commercial Banks.
5. POJK Nomor 50/POJK.03/2017 tentang Kewajiban Pemenuhan 5. OJK Regulation Number 50/POJK.03/2017 concerning
Rasio Pendanaan Stabil Bersih (Net Stable Funding Ratio) Bagi the Obligation to Fulfill the Net Stable Funding Ratio for
Bank Umum. Commercial Banks.
6. POJK Nomor 42/POJK.03/2017 tentang Kewajiban 6. OJK Regulation Number 42/POJK.03/2017 concerning
Pemenuhan Rasio Kecukupan Likuiditas (Liquidity Coverage the Obligation to Fulfill the Liquidity Coverage Ratio for
Ratio) Bagi Bank Umum. Commercial Banks.
7. POJK Nomor 63/SEOJK.03/2020 tentang Pelaporan Bank 7. OJK Regulation Number 63/SEOJK.03/2020 concerning
Umum Melalui Sistem Pelaporan Otoritas Jasa Keuangan. Commercial Bank Reporting Through the Financial Services
Authority Reporting System.
8. POJK Nomor 34/POJK.03/2016 Tentang Perubahan Atas 8. OJK Regulation Number 34/POJK.03/2016 concerning
Peraturan Otoritas Jasa Keuangan Nomor 11/ POJK.03/2016 Amendments to Financial Services Authority Regulation
Tentang Kewajiban Penyediaan Modal Minimum Bank Umum. Number 11/ POJK.03/2016 concerning Minimum Capital
Requirements for Commercial Banks.
9. SEOJK Nomor 34/SEOJK.03/2016 tanggal 1 September 2016 9. OJK Circular Letter Number 34/SEOJK.03/2016 dated 1
tentang Penerapan Manajemen Risiko Bagi Bank Umum. September 2016 concerning the Implementation of Risk
Management for Commercial Banks.
10. SEOJK Nomor 14/SEOJK.03/2017 tanggal 17 Maret 2017 10. OJK Circular Letter Number 14/SEOJK.03/2017 dated 17
tentang Penilaian Tingkat Kesehatan Bank Umum. March 2017 concerning Assessment of the Soundness Level
of Commercial Banks.
2023 Annual Report
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11. SEOJK Nomor 12/SEOJK.03/2018 tanggal 2018 tentang 11. OJK Circular Letter Number 12/SEOJK.03/2018 dated 2018
Penerapan Manajemen Risiko dan Pengukuran Risiko concerning Implementation of Risk Management and Risk
Pendekatan Standar Untuk Risiko Suku Bunga Dalam Banking Measurement Standard Approach for Interest Rate Risk in
Book (Interest Rate Risk In The Banking Book) Bagi Bank the Banking Book (Interest Rate Risk in the Banking Book) for
Umum. Commercial Banks.
12. SEOJK Nomor 26/SEOJK.03/2026 tanggal 14 Juli 2016 12. OJK Circular Letter Number 26/SEOJK.03/2026 dated 14
tentang KPMM sesuai profil risiko dan pemenuhan Capital July 2016 concerning KPMM according to risk profile and
Equivalecy Maintenant Assest (CEMA). fulfillment of Capital Equivalecy Maintenant Assest (CEMA).
13. SEOJK Nomor 26/SEOJK.03/2020 tanggal 22 Desember 2020 13. OJK Circular Letter Number 26/SEOJK.03/2020 dated 22
tentang Pelaporan Bank Umum Konvensional Melalui Sistem December 2020 concerning Conventional Commercial Bank
Pelaporan Otoritas Jasa Keuangan. Reporting Through the Financial Services Authority Reporting
System.
Penerapan Manajemen Risiko Terintegrasi: Implementation of Integrated Risk Management:
1. POJK Nomor 17/POJK.03/2014 tanggal 18 November 2014 1. OJK Regulation Number 17/POJK.03/2014 dated November
tentang Penerapan Manajemen Risiko Terintegrasi bagi 18, 2014 concerning the Implementation of Integrated Risk
Konglomerasi Keuangan. Management for Financial Conglomerates.
2. POJK Nomor 38/POJK.03/2017 tanggal 2017 tentang 2. OJK Regulation Number 38/POJK.03/2017 dated 2017
Penerapan Manajemen Risiko secara Konsolidasi bagi Bank concerning the Implementation of Consolidated Risk
yang melakukan pengendalian terhadap Perusahaan Anak. Management for Banks that exercise control over Subsidiary
Companies.
3. POJK Nomor 13/POJK.03/2015 tanggal 3 November 2015 3. OJK Regulation Number 13/POJK.03/2015 dated November
tentang Penerapan Manajemen Risiko Terintegrasi bagi Bank 3, 2015 concerning the Implementation of Integrated Risk
Perkreditan Rakyat. Management for Rural Banks.
4. POJK Nomor 18/POJK.04/2019 tanggal 5 Agustus 2019 4. OJK Regulation Number 18/POJK.04/2019 dated August 5,
tentang Perusahaan Efek Daerah. 2019 concerning Regional Securities Companies.
5. POJK Nomor 18/POJK.03/2014 tanggal 18 November 2014 5. OJK Regulation Number 18/POJK.03/2014 dated November
tentang Penerapan Tata Kelola Terintegrasi bagi Konglomerasi 18, 2014 concerning the Implementation of Integrated
Keuangan. Governance for Financial Conglomerates.
6. POJK Nomor 16/POJK.03/2022 tanggal 30 Agustus 2022 6. OJK Regulation Number 16/POJK.03/2022 dated August 30,
perihal Bank Umum Syariah. 2022 concerning Sharia Commercial Banks.
7. POJK Nomor 12/POJK.03/2020 tanggal 16 Maret 2020 7. OJK Regulation Number 12/POJK.03/2020 dated March 16,
tentang Konsolidasi Bank Umum. 2020 concerning Commercial Bank Consolidation.
8. POJK Nomor 26/POJK.03/2015 tanggal 4 Desember 2015 8. OJK Regulation Number 26/POJK.03/2015 dated December 4,
tentang Kewajiban Penyediaan Modal Minimum Terintegrasi 2015 concerning Integrated Minimum Capital Requirements
bagi Konglomerasi Keuangan. for Financial Conglomerates.
9. SEOJK Nomor 14/SEOJK.03/2015 tanggal 25 Mei 2015 9. OJK Circular Letter Number 14/SEOJK.03/2015 dated May
tentang Penerapan Manajemen Risiko Terintegrasi Bagi 25, 2015 concerning the Implementation of Integrated Risk
Konglomerasi Keuangan. Management for Financial Conglomerates.
10. SEOJK Nomor 1/SEOJK.03/2019 tanggal 21 Januari 2019 10. OJK Circular Letter Number 1/SEOJK.03/2019 dated January
tentang Penerapan Manajemen Risiko Bagi Bank Perkreditan 21, 2019 concerning the Implementation of Risk Management
Rakyat. for Rural Banks.
11. SEOJK Nomor 36/SEOJK.03/2015 tanggal 21 Desember 2015 11. OJK Circular Letter Number 36/SEOJK.03/2015 dated
tentang Produk dan Aktivitas Bank Umum Syariah dan Unit December 21, 2015 concerning Products and Activities of
Usaha Syariah. Sharia Commercial Banks and Sharia Business Units.
12. SEOJK No. 43/SEOJK.03/2017 tentang Prinsip Kehati-hatian 12. OJK Circular Letter No. 43/SEOJK.03/2017 concerning
dan Laporan Dalam Rangka Penerapan Manajemen Risiko Prudential Principles and Reports in the Context of
Secara Konsolidasi Bagi Bank yang Melakukan Pengendalian Implementing Consolidated Risk Management for Banks that
Terhadap Perusahaan Anak. Control Subsidiaries.
Sistem Manajemen Risiko Risk Management System
Bank melaksanakan penerapan sistem manajemen risiko The Bank implemented a risk management system based on 4
berdasarkan 4 (empat) pilar sebagai berikut: (four) pillars as follows:
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Pengawasan aktif Direksi dan Dewan Komisaris Active supervision of the Board of Directors and Board of
Commissioners
Direksi dan Dewan Komisaris bertanggung jawab atas efektivitas The Board of Directors and Board of Commissioners were
penerapan Manajemen Risiko Bank. Untuk itu Direksi dan Dewan responsible for the effectiveness of the Company’s Risk
Komisaris harus memahami Risiko yang dihadapi oleh Bank dan Management implementation. For this reason, the Board of
memberikan arahan yang jelas, melakukan pengawasan dan Directors and Board of Commissioners had to understand the
mitigasi secara aktif serta mengembangkan budaya Manajemen risks faced by the Bank and provide clear directions, carry out
Risiko dalam organisasi Bank. Dalam rangka mendukung active monitoring and mitigation as well as develop a culture of
penerapan Manajemen Risiko secara efektif, Direksi secara aktif risk management within the Company’s organization. In order to
terlibat dalam Risk Management Committee (RMC), Komite support the implementation of effective Risk Management, the
Manajemen Risiko Terintegrasi (KMRT) serta pembentukan Komite Board of Directors was actively involved in the Risk Management
dalam struktur Dewan Komisaris seperti Komite Pemantau Risiko Committee (RMC), Integrated Risk Management Committee
(KPR), Komite Audit dan Komite Tata Kelola (KTT). (KMRT) and the establishment of Committees within the Board of
Commissioners structure such as the Risk Monitoring Committee
(KPR), Audit Committee and Governance Committee (summit).
Kecukupan kebijakan, prosedur dan penetapan limit Adequacy of policies, procedures and setting limits as
sebagai pedoman penerapan manajemen risiko guidelines for the implementation of risk management
Dalam rangka pengendalian Risiko secara efektif, kebijakan In order to control Risk effectively, the Bank’s policies and
dan prosedur yang dimiliki Bank didasarkan pada strategi procedures were based on the risk management strategy
Manajemen Risiko yang dilengkapi dengan toleransi Risiko dan complemented by risk tolerance and Risk limits. Determination
limit Risiko. Penetapan toleransi Risiko dan limit Risiko dilakukan of Risk tolerance and risk limits was carried out by taking into
dengan memperhatikan tingkat Risiko yang akan diambil dan account the level of Risk to be taken and the overall strategy
strategi Bank secara keseluruhan. Penerapan Manajemen Risiko of the Bank. Effective implementation of risk management was
yang efektif telah didukung dengan kerangka yang mencakup supported by a framework that included risk management policies
kebijakan dan prosedur Manajemen Risiko serta limit Risiko yang and procedures as well as Risk limits that were clearly defined in
ditetapkan secara jelas sejalan dengan visi, misi, dan strategi line with the Company’s vision, mission and business strategy.
bisnis Bank. Penyusunan kebijakan dan prosedur Manajemen The preparation of risk management policies and procedures
Risiko tersebut dilakukan dengan memperhatikan antara lain: was carried out by taking into account type, complexity of
jenis, kompleksitas kegiatan usaha, profil Risiko, risk appetite business activities, risk profile, risk appetite and risk tolerance,
dan risk tolerance, keterkaitan antar Risiko, serta peraturan yang interrelationships between risks, as well as regulations stipulated
ditetapkan otoritas dan/atau praktik perbankan yang sehat. Selain by the authorities and/or sound banking practices. In addition,
itu, penerapan kebijakan dan prosedur Manajemen Risiko yang the implementation of risk management policies and procedures
dimiliki Bank harus didukung oleh kecukupan permodalan dan owned by the Bank had to be supported by adequate capital and
kualitas SDM. Hal-hal yang perlu diperhatikan dalam penetapan quality human resources. Things that needed to be considered in
kerangka Manajemen Risiko termasuk kebijakan, prosedur dan determining the Risk Management framework including policies,
limit, antara lain: procedures and limits were:
1. Strategi Manajemen Risiko 1. Risk Management Strategy
Strategi manajemen risiko merupakan acuan terhadap The risk management strategy was a reference to the approach
pendekatan mengenai cara pencapaian tujuan Manajemen regarding how to achieve the objectives of risk management.
Risiko. Bank merumuskan strategi Manajemen Risiko sesuai The Bank formulated a risk management strategy according
strategi bisnis secara keseluruhan dengan memperhatikan to the overall business strategy by taking into account risk
risk appetite, risk tolerance dan risk limit. Strategi Manajemen appetite, risk tolerance and risk limits. The risk management
Risiko disusun untuk memastikan bahwa eksposur risiko Bank strategy was structured to ensure that the Bank’s risk
berada pada atau di bawah tingkat eksposur risiko yang exposure was at or below the risk exposure level set in
ditetapkan sesuai dengan kebijakan, prosedur internal Bank, accordance with the Company’s policies, internal procedures,
peraturan perundang-undangan dan ketentuan lain yang laws and regulations and other applicable provisions. The risk
berlaku. Strategi Manajemen Risiko disusun berdasarkan management strategy was prepared based on the following
prinsip-prinsip umum berikut: general principles:
a. Strategi Manajemen Risiko harus berorientasi jangka a. The risk management strategy had to be long-term
panjang untuk memastikan kelangsungan usaha Bank oriented to ensure the continuity of the Company’s
dengan mempertimbangkan kondisi atau siklus ekonomi; business by taking into account conditions or economic
cycles;
b. Strategi Manajemen Risiko secara komprehensif b. Comprehensive risk management strategy could control
dapat mengendalikan dan mengelola risiko Bank dan and manage the risks of the Company and Subsidiaries;
Perusahaan Anak; dan and
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c. Mencapai kecukupan permodalan yang diharapkan c. Achieve the expected capital adequacy accompanied by
disertai alokasi sumber daya yang memadai. adequate allocation of resources.
Strategi Manajemen Risiko disusun dengan The risk management strategy was prepared by considering
mempertimbangkan faktor-faktor berikut: the following factors:
a. Kondisi ekonomi serta dampaknya pada risiko Bank; a. Economic conditions and their impact on Company risk;
b. Organisasi Bank, termasuk kecukupan sumber daya b. Company organization, including the adequacy of human
manusia dan infrastruktur pendukung; resources and supporting infrastructure;
c. Kondisi keuangan Bank, organisasi Bank, kemampuan c. The financial condition of the Company, the organization
untuk menghasilkan laba dan kemampuan of the Company, the ability to generate profits and the
mengidentifikasi, memantau, dan mengendalikan risiko ability to identify, monitor and control risks that arise as a
yang timbul sebagai akibat perubahan faktor internal dan result of changes in internal and external factors;
eksternal;
d. Diversifikasi portofolio Bank. d. Company portfolio diversification.
Strategi Manajemen Risiko di review secara berkala dan The risk management Strategy was regularly reviewed and
dikomunikasikan secara efektif kepada seluruh jenjang communicated effectively to all levels of the organization in
organisasi agar memahami secara jelas pendekatan yang order to clearly understand the established approach and
telah ditetapkan serta mematuhi seluruh aspek yang terkait. comply with all related aspects.
2. Tingkat Risiko yang akan diambil (Risk Appetite), Toleransi 2. Risk Appetite, Risk Tolerance and Risk Limit
Risiko (Risk Tolerance) dan Limit (Risk Limit)
Risk Appetite merupakan tingkat risiko yang bersedia diambil Risk Appetite is the level of risk that is willing to be taken by
oleh Bank dalam rangka mencapai sasaran atau tingkat laba the Bank in order to achieve the target or expected profit level.
yang diharapkan. Risk Appetite tercermin dalam strategi dan Risk Appetite is reflected in the Bank’s business strategy and
sasaran bisnis Bank serta mencerminkan harapan Pemangku objectives and reflects the expectations of Stakeholders. Risk
Kepentingan. Toleransi Risiko (risk tolerance) merupakan tolerance is the maximum level and type of risk determined by
tingkat dan jenis Risiko yang secara maksimum ditetapkan the Company. Risk tolerance is a description of risk appetite.
oleh Bank. Risk tolerance merupakan penjabaran dari risk The Board of Directors provided clear directions regarding the
appetite. Direksi memberikan arahan yang jelas mengenai risk Bank’s risk appetite, risk tolerance and risk limits.
appetite, risk tolerance dan risk limit Bank.
Bank telah menetapkan risk appetite statement dan risk The Bank has determined a risk appetite statement and risk
tolerance terhadap 8 (delapan) risiko melalui Surat Keputusan tolerance for 8 (eight) risks through the Decree of the Board of
Direksi nomor 0363/SK/DIR-MRP/2023 Tanggal 29 September Directors number 0363/SK/DIR-MRP/2023 dated September
2023 Tentang Risk Appetite Statement dan Risk Tolerance PT. 29, 2023 concerning the Risk Appetite Statement and Risk
Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Tolerance of PT. Bank Pembangunan Daerah Jawa Barat dan
Banten, Tbk.
Penetapan Risk Appetite, Risk Tolerance dan Risk Limit Determination of risk appetite, risk tolerance and risk limit
harus dapat mengakomodir tujuan seluruh stakeholder had to be able to accommodate the objectives of all bank
bank yang meliputi Regulator, Pemegang Saham, Investor, stakeholders which included Regulators, Shareholders,
Direksi, Karyawan maupun Nasabah. Adapun tujuan dari Investors, Directors, Employees and Customers. The
stakeholder meliputi pemenuhan atas aspek kepatuhan, objectives of stakeholders included compliance with aspects
risiko, permodalan, return, maupun pertumbuhan yang of compliance, risk, capital, return, and sustainable growth.
berkelanjutan. Mengingat sifatnya yang menyeluruh, maka Given its comprehensive nature, the determination and
penetapan dan pengelolaan Risk Appetite, Risk Tolerance management of risk appetite, Risk tolerance and risk limit
dan Risk Limit memerlukan komitmen bersama seluruh lini required a joint commitment from all lines of the bank.
bank. Risk Appetite, Risk Tolerance dan Risk Limit yang telah Risk Appetite, Risk Tolerance and Risk Limits that had been
ditetapkan oleh bank bertujuan untuk menunjang pencapaian set by the bank aimed to support the achievement of the
strategi bisnis bank dengan tingkat risiko yang dapat diterima. bank’s business strategy with an acceptable level of risk. In its
Dalam implementasinya, akan dilakukan pemantauan secara implementation, regular monitoring was carried out on the
berkala atas tingkat eksposur risiko aktual terhadap posisi level of actual risk exposure to the position of achieving the
pencapaian strategi bisnis bank. Adapun aspek tata kelola bank’s business strategy. The governance aspect consisted of
(governance) terdiri dari tiga aspek, antara lain: three aspects, including:
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a. Strategic Level a. Strategic Level
Strategic Level merupakan jenjang kewenangan yang Strategic Level was a level of authority attached to the Board
melekat pada Direksi melalui Komite Manajemen Risiko. of Directors through the Risk Management Committee.
Direksi berwenang menentukan selera risiko yang The Board of Directors had the authority to determine the
diinginkan (Risk Appetite) selaras dengan strategi bisnis desired risk appetite (Risk Appetite) in line with the bank’s
bank. Disamping itu, Direksi juga berwenang untuk business strategy. In addition, the Board of Directors was also
memberikan persetujuan atas besaran nilai Risk Tolerance authorized to give approval on the amount of risk tolerance
dan nilai Risk Limit dengan merujuk pada Risk Appetite and risk limit values by referring to the predetermined risk
yang telah ditentukan. appetite.
b. Tactical Level b. Tactical Level
Pengelolaan Risk Appetite, Risk Tolerance dan Risk Limit Management of risk appetite, risk tolerance and risk limit at the
pada jenjang Tactical Level merupakan kewenangan tactical level level was the authority of the Risk Management
Divisi Manajemen Risiko dalam hal mengembangkan Division in terms of developing a risk tolerance methodology
metodologi Risk Tolerance untuk setiap jenis risiko secara for each type of risk bankwide.
bankwide.
c. Operational Level c. Operational Level
Operational Level merupakan kewenangan dan dibentuk The operational level was the authority and was formed by each
oleh setiap Risk Taking Unit dimana perannya adalah risk taking Unit where its role is in determining the amount of
dalam menentukan besaran Risk Limit yang dapat acceptable risk limit and the results were coordinated with the
diterima dan hasilnya dikoordinasikan dengan Divisi Risk Management Division. The amount of the proposed risk
Manajemen Risiko. Besaran Risk Limit yang diusulkan, limit was then submitted to the Risk Management Division
selanjutnya disampaikan kepada Divisi Manajemen Risiko for review regarding the calculation method and in order to
untuk dilakukan review terkait metode perhitungan synchronize with the calculation results of risk tolerance and
serta dalam rangka melakukan sinkronisasi dengan hasil risk appetite.
perhitungan Risk Tolerance maupun Risk Appetite.
Kecukupan proses identifikasi, pengukuran, pemantauan dan Adequacy of risk identification, measurement, monitoring
pengendalian risiko serta sistem informasi manajemen. and control processes as well as management information
systems.
Identifikasi, pengukuran, pemantauan dan pengendalian Risiko Risk identification, measurement, monitoring and control
merupakan bagian utama dari proses penerapan Manajemen are the main parts of the process of implementing risk
Risiko. Identifikasi Risiko bersifat proaktif, mencakup seluruh management. Risk identification is proactive in nature, covers
produk dan aktivitas bisnis Bank dan dilakukan dalam rangka all products and business activities of the Company and is
menganalisa sumber dan kemungkinan timbulnya Risiko serta carried out in order to analyze the sources and likelihood
dampaknya terhadap kelangsungan bisnis bank. Selanjutnya of Risks occurring and their impact on the continuity of the
perlu dilakukan pengukuran Risiko yang telah diidentifikasi Company’s business. Furthermore, it is necessary to measure
sesuai dengan karakteristik dan kompleksitas kegiatan the risks that have been identified in accordance with the
usaha Bank. Atas hasil pengukuran tersebut perlu dilakukan characteristics and complexity of the Company’s business
pemantauan yang dilakukan oleh Risk Taking Unit (RTU) yang activities. The results of these measurements need to be
berkoordinasi dengan Satuan Kerja Manajemen Risiko (SKMR) monitored by the Risk Taking Unit (RTU) in coordination with
selaku pihak yang independen. Selain itu, guna mendukung the Risk Management Work Unit (SKMR) as an independent
efektivitas penerapan Manajemen Risiko perlu didukung pula party. In addition, in order to support the effectiveness of the
oleh pengendalian risiko dan sistem informasi manajemen implementation of risk management, it is also necessary to
risiko yang memadai. be supported by adequate risk control and risk management
information systems.
Sistem informasi Manajemen Risiko merupakan bagian dari The risk management information system is part of the
sistem informasi manajemen yang dimiliki dan dikembangkan management information system owned and developed
sesuai dengan kebutuhan Bank, mencakup laporan atau according to the needs of the Company, including reports or
informasi paling sedikit mengenai: information at least on:
1. Eksposur Risiko; 1. Risk Exposures;
2. Kepatuhan terhadap kebijakan dan prosedur Manajemen 2. Compliance with Risk Management policies and
Risiko serta penetapan Limit Risiko; dan procedures, as well as the determination of Risk Limits; and
3. Realisasi pelaksanaan Manajemen Risiko dibandingkan 3. Realization of the Risk Management implementation in
dengan target yang ditetapkan. comparison with the set target.
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Sistem informasi Manajemen Risiko digunakan untuk mendukung The risk management Information system is used to assist
pelaksanaan proses identifikasi, pengukuran, pemantauan in the process of identifying, measuring, monitoring, and
dan pengendalian Risiko sebagai bagian dari proses penerapan controlling risks as part of the implementation of effective
Manajemen Risiko yang efektif. Beberapa hal yang harus risk management, which requires the ability to produce
diperhatikan agar penerapan sistem informasi Manajemen timely, accurate, consistent, comprehensive, relevant, and
Risiko berjalan efektif maka diperlukan kemampuan untuk useful information. It can be used afterward by the Board of
menghasilkan informasi yang tepat waktu, akurat, konsisten, Directors, Board of Commissioners, and related work units
komprehensif, relevan dan informatif sehingga dapat digunakan in carrying out risk management to assess, monitor, and
oleh Direksi, Dewan Komisaris dan satuan kerja terkait dalam mitigate the risks faced by the Bank in the decisionmaking
penerapan Manajemen Risiko untuk menilai, memantau dan process. In addition, the risk management Information system
memitigasi Risiko yang dihadapi bank dalam proses pengambilan must be able to support the implementation of reporting to
keputusan. Selain itu, sistem informasi Manajemen Risiko harus regulators.
dapat mendukung pelaksanaan pelaporan kepada regulator.
Sistem pengendalian internal yang menyeluruh. Comprehensive internal control system.
Proses penerapan Manajemen Risiko yang efektif harus The implementation of effective risk management must be
dilengkapi dengan sistem pengendalian internal yang andal. supported by a reliable internal control system. An effective
Penerapan sistem pengendalian internal secara efektif dapat internal control system can facilitate the Company’s management
membantu pengurus Bank menjaga aset Bank, menjamin to safeguard the Company’s assets, ensure the availability of
tersedianya pelaporan keuangan dan manajerial yang dapat reliable financial and managerial reporting, improve the Bank’s
dipercaya, meningkatkan kepatuhan Bank terhadap ketentuan compliance with laws and regulations, and reduce the risk of
dan peraturan perundang-undangan serta mengurangi Risiko losses, irregularities, and violations of prudential aspects. The
terjadinya kerugian, penyimpangan dan pelanggaran aspek implementation of a reliable and effective Bank internal control
kehati-hatian. Terselenggaranya sistem pengendalian internal system is the responsibility of all Risk Taking Units, and supporting
Bank yang andal dan efektif menjadi tanggung jawab dari seluruh work units, including the Internal Audit Work Unit. The aspects to
Risk Taking Unit dan satuan kerja pendukung serta Satuan Kerja consider in the implementation of the internal control system are:
Audit Internal. Hal-hal yang perlu diperhatikan dalam pelaksanaan
sistem pengendalian internal antara lain:
1. Pelaksanaan sistem pengendalian internal secara efektif 1. Effective implementation of the internal control system in the
dalam penerapan Manajemen Risiko mengacu pada kebijakan implementation of Risk Management refers to the established
dan prosedur yang telah ditetapkan; policies and procedures;
2. Pelaksanaan sistem pengendalian internal dilakukan secara 2. The internal control system is performed effectively in carrying
efektif terhadap pelaksanaan kegiatan usaha dan operasional out business and operational activities at all levels of the Bank’s
pada seluruh jenjang organisasi Bank, paling sedikit mampu organization and at least able to timely detect weaknesses
secara tepat waktu mendeteksi kelemahan dan penyimpangan and irregularities that occur and must ensure:
yang terjadi serta wajib memastikan:
a. Kepatuhan terhadap peraturan dan perundang-undangan a. Compliance with laws and regulations as well as the
serta kebijakan atau ketentuan internal Bank; Bank’s internal policies or provisions;
b. Tersedianya informasi keuangan dan manajemen yang b. The availability of complete, accurate, appropriate, and
lengkap, akurat, tepat guna, dan tepat waktu; timely financial and management information;
c. Efektivitas dan efisiensi dalam kegiatan operasional; dan c. Effectiveness and efficiency in operational activities; and
d. Efektivitas budaya Risiko (risk culture) pada organisasi d. Effectiveness of risk culture in the Bank’s organization as
Bank secara menyeluruh. a whole.
3. Sistem pengendalian internal dalam penerapan Manajemen 3. The internal control system in the implementation of Risk
Risiko paling sedikit mencakup: Management at least includes:
a. Kesesuaian antara sistem pengendalian internal dengan a. The conformity between the internal control system and the
jenis dan tingkat Risiko yang melekat pada kegiatan type and level of risk inherent in the Bank’s business activities;
usaha Bank;
b. Penetapan wewenang dan tanggung jawab untuk b. The determination of authority and responsibility for
pemantauan kepatuhan kebijakan dan prosedur monitoring compliance with Risk Management policies and
Manajemen Risiko serta penetapan Limit Risiko; procedures and the establishment of Risk Limits;
c. Penetapan jalur pelaporan dan pemisahan fungsi yang c. The establishment of reporting lines and clear separation of
jelas dari Risk Taking Unit kepada satuan kerja yang functions from the Risk Taking Unit to the work unit carrying
melaksanakan fungsi pengendalian; out the control function;
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d. Struktur organisasi yang menggambarkan secara jelas d. A clear description of an organizational structure on the
tugas dan tanggung jawab masing-masing unit dan duties and responsibilities of each unit and individual;
individu;
e. Pelaporan keuangan dan kegiatan operasional yang e. Accurate and timely reporting of financial and operational
akurat dan tepat waktu; activities;
f. Kecukupan prosedur untuk memastikan kepatuhan Bank f. Sufficient procedures to ensure the Bank’s compliance
terhadap ketentuan dan peraturan perundang-undangan; with laws and regulations;
g. Kaji ulang yang efektif, independen dan obyektif terhadap g. Effective, independent, and objective review of the Bank’s
kebijakan, kerangka dan prosedur operasional Bank; operational policies, frameworks, and procedures;
h. Pengujian dan kaji ulang yang memadai terhadap sistem h. Adequate testing and review of management information
informasi manajemen; systems;
i. Dokumentasi secara lengkap dan memadai terhadap i. Complete and adequate documentation of the scope,
cakupan, prosedur operasional, temuan audit serta operational procedures, audit findings, and responses of
tanggapan pengurus Bank berdasarkan hasil audit; dan the Bank’s management based on the audit results; and
j. Verifikasi dan kaji ulang secara berkala dan j. Regular and continuous verification and review of the
berkesinambungan terhadap penanganan kelemahan handling of material weaknesses of the Bank and the
Bank yang bersifat material dan tindakan pengurus Bank actions of the Bank’s management to resolve irregularities
untuk memperbaiki penyimpangan yang terjadi. that occur.
4. Pelaksanaan kaji ulang terhadap penerapan Manajemen 4. The implementation of a Risk Management review at least
Risiko paling sedikit sebagai berikut: includes:
a. Kaji ulang dan Evaluasi dilakukan secara berkala, paling a. Reviews and evaluations are conducted regularly, at least
sedikit setiap tahun oleh Satuan Kerja Manajemen Risiko once a year by the Risk Management Work Unit and
dan Satuan Kerja Audit Internal; Internal Audit Work Unit;
b. Cakupan kaji ulang dan Evaluasi dapat ditingkatkan b. The frequency or intensity of the scope of reviews and
frekuensi atau intensitasnya, berdasarkan perkembangan evaluations may be increased based on the development of
Eksposur Risiko Bank, perubahan pasar, metode the Bank’s Risk Exposures, market changes, measurement
pengukuran dan pengelolaan Risiko; methods, and risk management;
c. Khusus untuk kaji ulang dan Evaluasi terhadap c. Particularly for the review and evaluation of risk
pengukuran Risiko oleh Satuan Kerja Manajemen Risiko, measurement by the Risk Management Work Unit, it
paling sedikit mencakup: should at least include:
- Kesesuaian kerangka Manajemen Risiko yang meliputi - The suitability of the Risk Management framework
kebijakan, struktur organisasi, alokasi sumber daya, that includes policies, organizational structure,
desain proses Manajemen Risiko, sistem informasi resource allocation, Risk Management process
dan pelaporan Risiko Bank dengan kebutuhan bisnis design, information systems, and reporting of the
Bank, serta perkembangan peraturan dan best Bank’s Risk with the Bank’s business needs, as well
practice terkait Manajemen Risiko; as the development of regulations and best practices
- Metode, asumsi dan variabel yang digunakan untuk related to Risk Management;
mengukur Risiko dan menetapkan Limit Eksposur - Methods, assumptions, and variables currently in
Risiko; place to measure Risk and establish the Risk Exposure
- Perbandingan antara hasil dari metode pengukuran Limits;
Risiko yang menggunakan simulasi atau proyeksi - Comparison between the results of Risk measurement
pada masa datang dengan hasil aktual; methods using simulations or future projections and
- Perbandingan antara asumsi yang digunakan dalam the actual results;
metode dimaksud dengan kondisi yang sebenarnya - Comparison between the assumptions used in the
atau aktual; method and the actual conditions;
- Perbandingan antara Limit yang ditetapkan dengan - Comparison between the set limits and the actual
eksposur yang sebenarnya atau aktual; dan exposures; and
- Penentuan kesesuaian antara pengukuran dan Limit - Determination of the appropriateness of the
Eksposur Risiko dengan kinerja pada masa lalu dan measurement and the Risk Exposure Limits with
posisi permodalan Bank saat ini. the Bank’s past performance and the Bank’s current
capital position.
5. Pelaksanaan kaji ulang oleh pihak independen yang ditunjuk 5. The implementation of a review by an independent party
oleh Bank atau Satuan Kerja Audit Internal Bank antara lain appointed by the Bank or the Bank’s Internal Audit Unit
mencakup: includes:
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TATA KELOLA
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a. Keandalan kerangka Manajemen Risiko yang mencakup a. The reliability of the Risk Management framework that
kebijakan, struktur organisasi, alokasi sumber daya, includes policies, organizational structure, resource
desain proses Manajemen Risiko, sistem informasi dan allocation, Risk Management process design, information
pelaporan Risiko Bank; dan systems, and reporting of the Bank’s risk; and
b. Penerapan Manajemen Risiko oleh unit bisnis atau b. The implementation of Risk Management by business
aktivitas pendukung, termasuk kaji ulang terhadap units or supporting activities, including a review of the
pelaksanaan pemantauan oleh Satuan Kerja Manajemen implementation of monitoring by the Risk Management
Risiko. Work Unit.
6. Penyampaian hasil penilaian kaji ulang Satuan Kerja 6. Submission of the Risk Management Working Unit review
Manajemen Risiko kepada Dewan Komisaris, Satuan assessment results to the Board of Commissioners, Internal
Kerja Audit Internal, Direktur yang membawahkan fungsi Audit Working Unit, Director in charge of the Compliance
Kepatuhan dan Direksi terkait lainnya sebagai masukan dalam function, and other relevant Directors as input to improve the
rangka penyempurnaan kerangka dan proses Manajemen Risk Management framework and process;
Risiko;
7. Pemantauan oleh Satuan Kerja Audit Internal terhadap 7. Monitoring the improvement of internal and external audit
perbaikan atas hasil temuan audit internal maupun eksternal. findings by the Internal Audit Working Unit. Audit findings
Temuan audit yang belum ditindaklanjuti harus diinformasikan that have not been followed up must be informed by the
oleh Satuan Kerja Audit Internal kepada Direksi untuk diambil Internal Audit Working Unit to the Board of Directors so that
langkah-langkah yang diperlukan; dan necessary steps can be taken; and
8. Tingkat responsif Bank terhadap kelemahan dan/atau 8. The Bank’s level of responsiveness to weaknesses and/ or
penyimpangan yang terjadi terhadap ketentuan internal dan irregularities that occur against applicable internal and
eksternal yang berlaku. external regulations.
Sertifikasi Manajemen Risiko Risk Management Certification
Keterangan Jumlah
Information Total
JENJANG 4/LEVEL 4 811
Account Officer Komersial Commercial Account Officer 81
Account Officer Konsumer & Ritel Consumer and Retail Account Officer 4
Account Officer Korporasi Corporate Account Officer 13
Account Officer KPR & KKB KPR and KKB Account Officer 6
Account Officer PPK PPK Account Officer 5
Account Officer UMKM MSME Account Officer 24
Auditor Auditors 10
Cash Pick Up UMKM MSME Cash Pick Up 1
Credit Risk Kantor Cabang Branch Office Credit Risk 39
Executive Assistant Executive Assistant 2
Executive Credit Officer Executive Credit Officer 1
Koordinator Service & Maintenance Service & Maintenance Coordinator 1
manager manager 147
Officer Officer 233
Pegawai yang Ditempatkan di MAP Employees Placed on MAP 2
Pegawai YKP YKP employee 1
Pejabat yang Ditugaskan di Anak Perusahaan Officials Assigned to Subsidiaries 1
Pemimpin Grup Group Leader 10
Pemimpin Kantor Cabang Pembantu Head of Sub-Branch Office 193
Professional Staf Professional Staff 1
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Keterangan Jumlah
Information Total
Relationship Officer Institusi Institutional Relationship Officer 1
Staf Staff 16
Team Head bjb Prioritas Priority bjb Team Head 5
Treasury Dealer Treasury Dealer 14
JENJANG 5/ LEVEL 5 931
Account Officer Komersial Commercial Account Officer 1
Account Officer Korporasi Corporate Account Officer 2
Auditor Auditors 1
CEO Regional/ Deputy CEO Regional Regional CEO/Regional Deputy CEO 1
Credit Business & Program UMKM Credit Business & MSME Program 2
Direktur Utama Dapen Main Director of Dapen 1
Executive Business Officer Executive Business Officer 1
manager Manager 510
Officer Officer 16
Pegawai yang Ditempatkan di Anak Perusahaan Employees Placed in Subsidiaries 3
Pegawai yang Ditempatkan di HC Employees Placed at HC 1
Pegawai yang Ditempatkan di MAP Employees Placed on MAP 2
Pegawai yang Ditempatkan di PPK Employees Placed in PPK 1
Pegawai YKP YKP employee 7
Pejabat yang Ditempatkan di HC Officials Placed in HC 1
Pejabat yang Ditugaskan di Anak Perusahaan Officials Assigned to Subsidiaries 5
Pemimpin Divisi Division Leader 4
Pemimpin Grup Group Leader 161
Pemimpin Kantor Cabang Branch Office Leader 60
Pemimpin Kantor Cabang Pembantu Head of Sub-Branch Office 121
Professional Staf Professional Staff 1
Project Head Investee Performance Improvement
Project Head Investee Performance Improvement
concurrently serves as Commissioner of the bjb 1
merangkap Komite Komisaris bjb Sekuritas
Securities Committee
Relationship Officer Institusi Institutional Relationship Officer 2
Relationship Officer Konsumer Consumer Relationship Officer 1
Sekretaris Secretary 1
Special Project Officer Special Project Officer 1
Staf Staff 1
Team Head bjb Prioritas Priority bjb Team Head 8
Trainer Specialist Specialist Trainer 8
Treasury Dealer Treasury Dealer 1
Wakil Pemimpin Divisi Deputy Division Leader 2
Wakil Pemimpin Kantor Cabang Deputy Head of Branch Office 3
JENJANG 6/ LEVEL 6 23
CEO Regional/ Deputy CEO Regional Regional CEO/Regional Deputy CEO 5
Executive Business Officer Executive Business Officer 1
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Keterangan Jumlah
Information Total
Executive Credit Officer Executive Credit Officer 1
manager manager 2
Pegawai YKP YKP employee 1
Pemimpin Divisi Division Leader 3
Pemimpin Grup Group Leader 4
Pemimpin Kantor Cabang Branch Office Leader 4
Wakil Pemimpin Divisi Deputy Division Leader 2
JENJANG 7/ LEVEL 7 35
CEO Regional/ Deputy CEO Regional Regional CEO/Regional Deputy CEO 3
Direktur Dapen Director of Dapen 1
Executive Business Officer Executive Business Officer 1
Pejabat Yang Ditempatkan Pada Divisi Manajemen Officials Placed in the Subsidiary Management
1
Anak Perusahaan Division
Pemimpin Divisi Division Leader 24
Pemimpin Unit Dana Pensiun Lembaga Keuangan Head of the Financial Institution Pension Fund Unit 1
Senior Executive Vice President Bisnis Senior Executive Vice President Business 1
Senior Executive Vice President Credit Risk Senior Executive Vice President Credit Risk 1
Special Project Officer (Setingkat Wapindiv) Special Project Officer (Wapindiv Level) 1
Wakil Pemimpin Divisi Deputy Division Leader 1
Profil Risiko dan Pengelolaannya Risk Profile and Management
Terdapat 8 jenis risiko yang dihadapi Perseroan dan harus dikelola There are 8 (eight) types of risks faced by the Company and
dengan baik. Kedelapan jenis risiko tersebut disebut inheren risk must be managed properly. These eight types of risks are called
yang meliputi: risiko kredit, risiko likuiditas, risiko pasar, risiko inherently risk which include credit risk, liquidity risk, market risk,
operasional, risiko stratejik, risiko kepatuhan, risiko hukum dan operational risk, strategic risk, compliance risk, legal risk and
risiko reputasi. Adapun penjelasan mengenai risiko-risiko tersebut reputational risk. The explanations of these risks and management
dan upaya pengelolaannya adalah sebagai berikut: efforts are as follows:
1. Risiko Kredit 1. Credit Risk
Terkait proses identifikasi, pengukuran, pemantauan, dan Regarding the process of identifying, measuring, monitoring,
pengendalian risiko kredit, bank bjb telah melakukan hal-hal and controlling credit risk, bank bjb has carried out the
sebagai berikut: following:
a. Bank secara berkala melakukan analisa menyeluruh atas a. The bank periodically conducts a thorough analysis of
aspek internal dan eksternal bank melalui Root Cause internal and external aspects of the bank through the Root
of Credit Risk (RCCR) yang berisi analisa penyebab Cause of Credit Risk (RCCR) which contains the analysis
penurunan kolektibilitas debitur yang berdampak pada of the cause of the borrower’s collectibility decrease in the
timbulnya Non Performing Loan (NPL). occurrence of Non Performing Loan (NPL).
b. Bank melakukan perhitungan Stress Test Risiko Kredit b. The Bank calculates the Credit Risk Stress Test which
yang disampaikan kepada Direksi dan Dewan Komisaris. is submitted to the Directors and the Board of
Pelaksanaan stress test dilakukan dengan pendekatan Commissioners. The implementation of stress tests is
portfolio level dan bertujuan untuk menghitung pengaruh carried out using a portfolio level approach and aims to
kondisi shock makro ekonomi terhadap peningkatan calculate the effect of macroeconomic shock conditions on
NPL secara bankwide. Pelaksanaan perhitungan bank-wide NPL increases. The calculation uses a satellite
menggunakan satellite model yang meliputi baik kredit model covering both productive and nonproductive loans
produktif maupun kredit non-produktif pada seluruh in all economic sectors. The satellite model is a multiple
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sektor ekonomi. Satellite model tersebut merupakan regression calculation that connects macroeconomic
perhitungan regresi multiple yang menghubungkan conditions as the independent variable and NPL as the
kondisi makro ekonomi sebagai independent variable dan dependent variable.
NPL sebagai dependent variable.
c. Selanjutnya secara berkala disusun laporan perkembangan c. Further compiled reports on the progress of credit risk
eksposur risiko kredit yang disusun dalam rangka mitigasi exposure that are arranged in order to mitigate risk
risiko dan sebagai upaya perbaikan segera sesuai and as an effort to repair immediately according to the
perkembangan tingkat risiko. Pemantauan atas kualitas development of risk level. Monitoring of the quality of
portofolio kredit yang dilaporkan secara berkala kepada credit portfolio reported periodically to the directors
Direksi melalui hal-hal sebagai berikut: through the following matters:
- Review dan evaluasi berkala melalui pelaksanaan - Periodic Review and evaluation through the
business review termasuk diantaranya pembahasan implementation of the business Review including the
mengenai posisi serta kualitas portofolio kredit. discussion on the position and quality of the credit
- Kaji ulang atas potensi risiko dalam aktivitas portfolio.
perkreditan yang dilaporkan secara independen oleh - Review of the potential risks in the crediting
Satuan Kerja Manajemen Risiko. activity that is reported independently by the risk
management Unit.
2. Risiko Pasar 2. Market Risk
Adapun upaya pengelolaan Risiko Pasar yang telah dilakukan The Market Risk management efforts that have been carried
bank bjb adalah sebagai berikut: out by bank bjb are as follows:
a. Bank telah memiliki prosedur dan identifikasi risiko a. The Bank has had procedures and identification of
suku bunga banking book yang didukung oleh sistem interest rate banking book which is supported by a very
informasi yang sangat memadai dan adanya pelaporan adequate information system and the daily reporting
secara harian mengenai pergerakan nilai tukar, suku of exchange rate movements, interest rates, and other
bunga, dan informasi pasar lainnya ke Direksi termasuk market information to the Directors including over limit.
over limit (pelampauan limit). b. The Bank has had risk appetite, risk tolerance and risk
b. Bank telah memiliki risk appetite, risk tolerance dan risk limit for the market risk parameters established by the
limit untuk parameter risiko pasar yang ditetapkan oleh Board of Commissioners and Directors.
Dewan Komisaris dan Direksi.
c. Bank melakukan proses review atau validasi model c. The Bank performs a review or validation of the market
pengukuran risiko pasar yang dilakukan secara berkala risk measurement model conducted periodically through
melalui back testing dimana model pengukurannya masih the back testing with the size of the model is still valid
valid sesuai hasil back testing. Adapun mengenai validasi according to the results of back testing. As for the
dan back testing tersebut disusun dalam bentuk laporan validation and back testing is compiled in the form of VaR
VaR (Value at Risk) dan validasi model. (Value at Risk) and model validation.
d. Bank memiliki prosedur pemantauan limit secara harian d. The Bank has daily limit monitoring procedures as a
sebagai standardisasi pemantauan Divisi Manajemen standardized monitoring of the risk management division
Risiko Kredit, Pasar dan Terintegrasi terhadap aktivitas of the Dealing Room Treasury activities including followup
Dealing Room Treasury termasuk tindak lanjut yang akan to the risk taking unit in the event of a disappearance and
dilakukan oleh risk taking unit apabila terjadi pelampauan reported to the directors.
dan dilaporkan kepada Direksi.
e . Bank melakukan pengendalian risiko pasar melalui e. The Bank conducts the control of market risk through
monitoring terhadap kontrak transaksi dan penilaian monitoring of transaction contracts and revaluation of
kembali kredibilitas counterparty secara harian dan counterparty credibility on a daily basis and monitored by
dipantau oleh dedicated person yang berpengalaman experienced dedicated person later in the determination of
kemudian dalam penetapan limit counterparty dilakukan counterparty limit Other work units that are independent
oleh unit kerja lain yang independen dari unit kerja bisnis of the business work unit so that the limitation of the
sehingga proses penetapan limitnya melibatkan four eyes determination process involves 4 (four) Eyes principle
principle. utilization).
f. Sebagai upaya meningkatkan informasi atas eksposur f. As an effort to increase information on exposure market
risiko pasar yang dihadapi bank, unit kerja terkait telah risks faced by banks, related work units have report
melaporkan eksposur risiko pasar baik secara harian good market risk exposure on a daily basis (treasury
(utilisasi treasury), mingguan (treasury utilization report), utilization report), weekly (treasury utilization report),
bulanan (analisis pengukuran risiko pasar & likuiditas), monthly (market and liquidity risk measurement analysis),
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TATA KELOLA
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semesteran (market risk stress test), kepada Direksi dan semiannually (market risk stress test), to the Board of
pejabat eksekutif sehingga diharapkan adanya tindak Directors and executive officials so that action is expected
lanjut perbaikan dan proses mitigasi untuk meminimalisir continue the improvement and mitigation processes to
potensi risiko yang akan datang. minimize future potential risks.
g. Bank telah memiliki Komite ALCO sebagai perangkat g. The Bank has had the ALCO committee as an
organisasi dalam mendukung manajemen risiko pasar organizational device in support of effective market risk
yang efektif. management.
h. Dalam proses pengukuran, pemantauan yang dilakukan h. In the process of measuring, monitoring conducted by the
satuan kerja manajemen risiko melalui pelaporan Risk Management unit through reporting on the activity
atas aktivitas unit kerja treasury masih dilakukan of Trisuri work units is still done manually and not yet been
secara manual dan belum tersistem namun demikian installed but consider the exposure of uncomplicated
mempertimbangkan eksposur transaksi bank yang belum bank transactions, the potential risk faced by banks can
kompleks, potensi risiko yang dihadapi bank masih dapat still be mitigated properly.
termitigasi dengan baik.
i. Terdapat proses mark to market secara harian bagi i. There is a daily mark to market process of bank trading
instrumen yang aktif serta pengembangan model bagi transactions to determine the loss/ profit of banks and
instrumen yang kurang aktif dan tidak aktif di pasar banks also have methods in its mark to market process
dengan menggunakan mark to model terhadap transaksi including the calculation of internal model valuation
trading bank untuk mengetahui kerugian/keuntungan and contingency plan procedures in its mark to market
bank dan bank pun memiliki metode dalam proses mark process in case of normal outside conditions carried out
to market-nya termasuk perhitungan valuasi model by the working unit.
internal serta prosedur contingency plan dalam proses
mark to market-nya apabila terjadi kondisi di luar normal
yang dilakukan oleh unit kerja terkait.
3. Rasio Likuiditas 3. Liquidity Risk
Adapun upaya pengelolaan Risiko Likuiditas yang telah The Liquidity Risk management efforts that have been carried
dilakukan bank bjb adalah sebagai berikut: out by bank bjb are as follows:
a. Bank melakukan analisis terhadap seluruh sumber risiko a. The Bank conducts analysis of all sources of liquidity risk
likuiditas baik dari sisi internal maupun eksternal seperti both from internal and external side such as products
produk dan aktivitas perbankan yang mempengaruhi and banking activities that affect the source of the
sumber penggunaan dana secara komprehensif, comprehensiveuse of funds, adequacy of funding through
kecukupan pendanaan melalui pasar, serta analisis risiko the market, and others and risk analysis is supported by
didukung dengan sistem informasi dan kecukupan data adequate information systems and adequacy of data.
yang memadai.
b. Bank telah memiliki risk appetite, risk tolerance, dan risk b. The Bank has had risk appetite, risk tolerance and risk
limit untuk parameter risiko pasar yang ditetapkan oleh limit for the market risk parameters established by the
Dewan Komisaris dan Direksi. Board of Commissioners and Directors.
c. Bank telah memiliki alat pengukuran yang dapat c. The Bank has a measurement tool that can quantify and
mengkuantifikasi dan mengidentifikasi risiko likuiditas identify the liquidity risk in a timely and comprehensive
secara tepat waktu dan komprehensif berdasarkan manner based on internal and external indicators in
indikator internal dan eksternal dalam early warning the form of an early warning indicator measurement to
indicator berupa pengukuran untuk mengukur risiko measure the risk is inherently aboutfunding composition,
inheren mengenai komposisi pendanaan, rasio likuiditas, liquidity ratio, cash flow projection, liquidity gap, scenario
proyeksi arus kas, liquidity gap, scenario analysis, dan analysis, and stress testing.
stress testing.
d. Bank telah mengembangkan Early Warning Indicator d. Bank has developed an Early Warning Indicator liquidity
risiko likuiditas yang merupakan indikator yang risk which is an indicator used to predict potential future
digunakan untuk memprediksi potensi krisis likuiditas di liquidity crisis as a form of identification, measurement,
masa datang sebagai bentuk identifikasi, pengukuran, and monitoring of liquidity risk on a daily basis that aims
dan pemantauan risiko likuiditas secara harian yang to mitigate early when there is potential liquidity crisis in
bertujuan untuk memitigasi sejak dini apabila ada potensi the future.
krisis likuiditas di kemudian hari.
e. Bank melakukan pemantauan limit secara harian seperti e. The Bank monitors limits on a daily basis such as (AL+NAB)/
limit (AL+NAB)/NCD, Ekses Likuiditas, LDR, Pinjaman NCD limits, Excess Liquidity, LDR, Overnight Loans, Excess
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Overnight, Ekses Reserve GWM Primer, Ekses Reserve Primary Statutory Reserve Requirement, Excess Secondary
GWM Sekunder, excess reserve GWM Primer, PLM, Statutory Reserve Requirement, excess Primary Statutory
LCR dan (AL+NAB)/NCD terhadap threshold yang telah Reserve Requirement, PLM, ETFR (Excess to Total Funding
ditetapkan oleh regulator termasuk tindak lanjut yang Ratio), LCR and (AL+NAB)/NCD against the threshold
akan dilakukan oleh risk taking unit apabila terjadi set by the regulator including the follow-up that will be
pelampauan dan dilaporkan kepada Direksi. carried out by the risk taking unit in the event of an excess
and reported to the Board of Directors.
f. Bank telah memiliki prosedur dalam hal rencana f. The bank has had procedures in regards to emergency
pendanaan darurat ketika bank menghadapi kondisi krisis financing plans when the bank faces the liquidity crisis
likuiditas (Contingency Funding Plan/CFP) serta bank telah (contingency funding plan) as well as the bank has
melakukan skenario uji coba CFP-Framework apabila conducted a CFPframework test scenario in case of the
terjadi krisis likuiditas dikemudian hari. later liquidity crisis.
g. Bank telah melakukan perhitungan Basel III terkait risiko g. Bank has done the calculation of Basel III related to
likuiditas yaitu perhitungan Net Stable Funding Ratio liquidity risk, namely the calculation of Net Stable Funding
(NSFR) dan Liquidity Coverage Ratio (LCR). Ratio (NSFR) and Liquidity Coverage Ratio (LCR)..
4. Risiko Operasional 4. Operational Risk
Adapun upaya pengelolaan risiko operasional yang telah The Operational Risk management efforts that have been
dilakukan bank bjb adalah sebagai berikut: carried out by bank bjb are as follows:
a. Bank melakukan proses pengukuran risiko operasional a. The Bank performed the process of measuring operational
dilakukan secara berkala melalui perangkat pengukuran risk carried out periodically through operational risk
risiko operasional diantaranya risk control self measurement tools including risk control self-assessments,
assessment, key risk indicator, laporan data kerugian key risk indicators, operational risk loss data reports for
risiko operasional pada masing-masing unit kerja serta each work unit as well as periodic bankwide operational
pengukuran profil risiko operasional bankwide yang risk profile measurements. The results of the analysis
dilakukan secara periodik. Adapun hasil analisa atas on the operational risk assessment were reported to
penilaian risiko operasional tersebut dilaporkan kepada management carried out periodically, such as a monthly
pihak manajemen yang dilakukan secara berkala seperti report.
pelaporan monthly report.
b. Risk taking unit senantiasa melakukan risk assessment atas b. The risk taking unit always carried out a risk assessment
pengembangan Produk dan Aktivitas Baru dalam rangka on the development of new products and activities in
melakukan penerapan manajemen risiko didalamnya. order to implement risk management in it.
c. Bank berupaya untuk melakukan penyempurnaan c. The Bank strived to make improvements to the business
business process terutama untuk aktivitas perkreditan. process, especially for lending activities. This could
Hal tersebut terlihat dari penerapan model bisnis be seen from the application of a business model that
dengan melibatkan beberapa fungsi seperti Relationship involved several functions such as Relationship Managers,
Manager, Relationship Officer dan Account Officer dan Relationship Officers and Account Officers and had been
telah diakomodir dalam Struktur Organisasi serta terdapat accommodated in the Organizational Structure and there
beberapa review atas prosedur kerja serta penggunaan were several reviews of work procedures and use of
sistem dalam rangka mendukung proses manajemen systems in order to support a reliable risk management
risiko yang handal. process.
d. Bank senantiasa melakukan peningkatan kualitas d. The Bank continued to improve the quality of human
SDM khususnya pada aktivitas bisnis utama bank yaitu resources, especially in the main business activity of the
perkreditan dengan memberikan pendidikan dan bank, namely credit by providing education and training
pelatihan kepada pegawai. to employees.
e. Dalam menjaga kepentingan bank dan penegakan e. In safeguarding the interests of the bank and enforcing
disiplin, Bank telah melaksanakan pedoman sanksi disiplin discipline, the Bank implemented guidelines for
dengan cukup efektif termasuk dalam pengenaan sistem disciplinary sanctions quite effectively including the
sanksi kepegawaian. imposition of a system of employment sanctions.
5. Risiko Hukum 5. Legal Risk
Bank melalui Divisi Hukum senantiasa melakukan penanganan The Bank, through the legal division work unit, always handles
atas kasus yang terjadi, baik yang dilakukan oleh bank secara cases that occur, both those carried out by the Bank directly or
langsung maupun menggunakan jasa konsultan hukum atas using the services of a legal consultant at the request of the
permintaan risk taking unit. Upaya yang dilakukan Perseroan risk-taking unit. Efforts made by the Company in managing
dalam mengelola risiko hukum yaitu: legal risk are:
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a. Divisi hukum melakukan pembinaan dalam bidang hukum a. Unit of legal work in the field of legal development
secara berkala melalui proses pendampingan perkara periodically through the process of mentoring the law,
hukum, legal session kepada risk taking unit dengan legal session to the risk taking Unit with the discussion
pembahasan permasalahan-permasalahan hukum yang of legal issues encountered in the branch office, and
dihadapi pada kantor cabang, serta melaksanakan implement of cooperation agreements to be implemented
review terhadap perjanjian-perjanjian kerjasama yang in order to protect the interests of the Bank. But there are
akan dilaksanakan guna melindungi kepentingan bank. still weaknesses related to the agreement review process
Namun masih terdapat kelemahan terkait proses review which is only based on the demand of the risk taking unit.
perjanjian yang hanya berdasarkan atas permintaaan dari
risk taking unit.
b. Bank melakukan identifikasi dan pengendalian risiko b. The Bank conducts the identification and control of legal
hukum terhadap produk dan aktivitas baru melalui risks to new products and activities through assessment
pengkajian terkait aspek hukum serta menyampaikan of legal aspects and conveys information and reporting
informasi dan pelaporan yang berkaitan dengan mitigasi related to the mitigation of legal risk to the directors in
risiko hukum kepada Direksi yang membidangi unit kerja charge of the unit Legal work.
hukum.
c. Terkait dengan pelaksanaan sistem informasi manajemen c. In relation to the implementation of the legal Risk
risiko hukum telah dilaksanakan dengan baik salah management information system has been implemented
satunya adanya laporan secara berkala terkait dengan with a good report periodically related to monitoring and
pemantauan dan pencatatan atas pelaksanaan recording of the implementation of legal guidance and
pendampingan perkara hukum serta penanganan hukum, legal management, Updates to legal matters handled by
update perkara hukum yang ditangani oleh Divisi Hukum the Legal Division and quarterly reports are presented in
serta laporan setiap triwulan disajikan dalam bentuk profil the form of legal risk profiles.
risiko hukum.
6. Risiko Stratejik 6. Strategic Risk
Pengelolaan risiko stratejik yang dilakukan Perseroan adalah The strategic risk management carried out by the Company is
sebagai berikut: as follows:
a. Bank secara berkala melakukan pengukuran risiko stratejik a. The bank periodically conducts a strategic risk
melalui pemantauan atas progress report pencapaian measurement through the monitoring progress report
rencana bisnis bank serta melakukan business review atas on the achievement of the bank’s business plan as
perkembangan bisnis bank. well as conducting business review of Bank’s business
development.
b. Pencapaian atas bisnis bank tersebut dibahas dan b. The achievement of the bank’s business is discussed and
dilaporkan kepada pihak manajemen yang dilakukan reported to the management conducted periodically,
secara berkala termasuk kepada komite yang berada di including to the Committee under the Board of
bawah Dewan Komisaris. Commissioners.
c. Bank senantiasa melakukan monitoring atas kinerja c. Bank always monitoring the performance of branch
kantor cabang. offices.
d. Bank melakukan beberapa upaya dan strategi yaitu d. The Bank made several efforts and strategies that are
optimalisasi dalam upaya penyelesaian kredit bermasalah optimization in the effort to settle the problematic credit
dengan melakukan penagihan, klaim asuransi dan by conducting billing, insurance claims and collateral
eksekusi agunan, melakukan peningkatan dana CASA. execution, doing increased CASA funds.
e. Bank melakukan peningkatan kerjasama layanan e. Bank to improve service cooperation with other operator/
dengan operator/instansi/lembaga lain dalam rangka agency/institution in order to increase fee based or
meningkatkan fee based atau keuntungan tambahan additional profit for Bank.
bagi bank.
7. Risiko Kepatuhan 7. Compliance Risk
Upaya pengelolaan risiko kepatuhan yang dilakukan Perseroan The Company’s compliance risk management efforts are as
adalah sebagai berikut: follows:
a. Melakukan identifikasi, inventarisasi dan monitoring a. Conducting identification, inventory and monitoring
atas kewajiban pelaporan kepada regulator berdasarkan of reporting obligations to regulators based on OJK
peraturan OJK dan ketentuan eksternal lainnya yang baru regulations and other newly implemented external
diberlakukan; provisions;
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b. Melakukan identifikasi titik rawan gratifikasi pada Bank b. Identifying prone points to gratification at the Bank as an
sebagai early warning dalam melaksanakan tindakan early warning in implementing measures to mitigate the
mitigasi risiko gratifikasi dan/atau fraud; risk of gratification and/or fraud;
c. Melakukan pengembangan sistem yang dapat c. Developing systems that could reduce potential
mengurangi potensi Risiko Kepatuhan, antara lain bjb Compliance Risk, including bjb AMOLA as a system used
AMOLA sebagai sistem yang digunakan pada kegiatan in AML-TPF activities, and bjb SiPatuh as a system used
APU-PPT, dan bjb SiPatuh sebagai sistem yang digunakan in monitoring reporting obligations to Regulators, and
dalam monitoring kewajiban pelaporan kepada submitting notifications of the latest external regulations
Regulator, penyampaian notifikasi ketentuan eksternal and the precautionary principle;
dan ketentuan internal terbaru melalui KMS (Knowledge
Management System) serta prinsip kehati - hatian;
d. Melaksanakan monitoring, menyampaikan notifikasi dan d. Monitoring, delivering notifications, and compiling
menyusun resume atas kebijakan atau peraturan yang resumes on policies or regulations issued by authorities,
dikeluarkan otoritas, misalnya PBI, PADG, POJK, SEOJK such as PBI, PADG, POJK, SEOJK and other regulations
dan peraturan lain yang berhubungan dengan Bank. related to the Bank. The results of the resume were
Hasil resume tersebut disampaikan kepada unit kerja submitted to the relevant work unit for further use by the
terkait untuk selanjutnya digunakan oleh unit kerja terkait relevant work unit to make improvements or adjustments
untuk dilakukan perbaikan atau penyesuaian terhadap to existing policies, systems and procedures in the work
kebijakan, sistem dan prosedur yang telah ada pada unit unit;
kerja;
e. Melakukan pemantauan kepatuhan Bank sesuai prinsip e. Monitoring Bank compliance in accordance with the
kehati-hatian, melalui pemantauan rasio, diantaranya precautionary principle, through monitoring ratios,
terhadap rasio KPMM, BMPK, aset produktif bermasalah including the ratio of KPMM, LCR, non-performing
terhadap total aset produktif, CKPN, PDN, NSFR, LCR, dan productive assets to total productive assets, CKPN, PDN,
GWM; NSFR, LCR and GWM;
f. Melakukan pengkinian terhadap kertas kerja atau tools f. Updating work papers or tools used in reporting monitoring
yang dipergunakan dalam pemantauan pelaporan dan and prudential principles currently implemented by the
prinsip kehatian-hatian yang dilakukan oleh Bank saat Bank. This was conducted so that there would be no
ini. Hal tersebut dilakukan agar kedepan tidak terjadi delays in submitting reports to supervisory authorities
keterlambatan penyampaian pelaporan kepada otoritas or other competent authorities, which could result in
pengawas ataupun otoritas yang berwenang lainnya yang sanctions or fines for the Bank in the future;
dapat menimbulkan sanksi atau denda kepada Bank;
g. Melakukan pengembangan sistem yang dapat g. Developing systems that could reduce potential
mengurangi potensi Risiko Kepatuhan, antara lain bjb Compliance Risk, including bjb AMOLA as a system used
AMOLA sebagai sistem yang digunakan pada kegiatan in AML-TPF activities, and bjb SiPatuh as a system used
APU PPT, dan bjb SiPatuh sebagai sistem yang digunakan in monitoring reporting obligations to Regulators, and
dalam monitoring kewajiban pelaporan kepada Regulator, submitting notifications of the latest external regulations
penyampaian notifikasi ketentuan eksternal terbaru dan and the precautionary principle;
prinsip kehati-hatian;
h. Penerapan ISO 37001:2016 Sistem Manajemen Anti h. Implementation of ISO 37001:2016 Anti-Bribery
Penyuapan (SMAP) pada sektor usaha Bank untuk Management System (SMAP) in the Bank business sector
menghindari adanya praktik penyuapan (Zero Tolerance); to avoid bribery practices (Zero Tolerance);
i. Menjadi instansi yang dirujuk oleh KPK dalam kegiatan i. Being an agency referred to by the Corruption Eradication
benchmarking terkait implementasi SMAP Commission in benchmarking activities related to SMAP
implementation
j. Penerapan ISO 37301:2021 Sistem Manajemen j. Implementation of ISO 37301:2021 Compliance
Kepatuhan (SMK); Management System (SMK);
k. Dalam menghadapi era transformasi digital, dilaksanakan k. In dealing with the digital transformation era, the
strategi-strategi antara lain: following strategies were conducted, as follows:
- Penyusunan strategi roadmap transformasi digital, - Preparation of a digital transformation roadmap
yang dilaksanakan secara bertahap melalui 3 (tiga) strategy , which is implemented in stages through 3
fase, yaitu: (three) phases, such as:
1) Phase 1. Digital Readiness Assessment; 1) Phase 1. Digital Readiness Assessment;
2) Phase 2. Strategy Ideation and Prioritization; dan 2) Phase 2. Strategy Ideation and Prioritization; and
3) Phase 3. Roadmap Development. 3) Phase 3. Roadmap Development.
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- Prioritisasi kecukupan ketentuan-ketentuan internal - Prioritizing the adequacy of internal provisions,
khususnya dalam bidang digitalisasi; especially in the digitalization sector;
- Penguatan Risk Awareness; - Strengthening Risk Awareness ;
- Penguatan Sistem Informasi, misalnya pengembangan - Affirming Information Systems, such as developing
Knowledge Management System sebagai sistem yang Knowledge Management System as a system
memudahkan pegawai dalam mencari ketentuan- enabling for employees to easily search for the
ketentuan yang berlaku dan Fraud Detection System applicable provisions and Fraud Detection System to
untuk mendeteksi transaksi mencurigakan/ fraud quickly detect suspicious /fraudulent transactions.
secara cepat.
l. Menyusun kajian terhadap seluruh rancangan kebijakan, l. Preparing reviews of all drafts of policies, provisions,
ketentuan, sistem dan prosedur, serta kegiatan usaha systems and procedures, as well as business activities that
yang akan dilakukan Bank agar sesuai dengan Peraturan would be conducted by the Bank so that they complied
Otoritas Jasa Keuangan, Bank Indonesia, dan peraturan with regulations of Financial Services Authority, Bank
perundang-undangan yang berlaku; Indonesia, and the applicable laws and regulations;
m. Memberikan notifikasi dan rekomendasi terhadap m. Providing notifications and recommendations regarding
pengkinian dan penyempurnaan kebijakan, ketentuan, updating and improving policies, provisions, systems and
sistem maupun prosedur yang dimiliki oleh Bank agar procedures owned by the Bank so that they complied
sesuai dengan ketentuan Otoritas Jasa Keuangan, Bank with the provisions of the Financial Services Authority,
Indonesia dan peraturan perundang - undangan yang Bank Indonesia, and the applicable laws and regulations
berlaku melalui memo internal dalam hal terdapat through internal memos in case new provisions were
ketentuan baru yang dikeluarkan oleh regulator; issued by regulators;
n. Menyusun tools dalam rangka memperhatikan kepatuhan n. Developing tools to consider the Bank’s compliance with
Bank terhadap ketentuan yang berlaku dalam bentuk the applicable regulations, such as a compliance sheet,
compliance sheet, selain itu juga memberikan masukan while providing input on credit studies to prioritize the
terhadap kajian perkreditan guna mengedepankan principle of prudence, the Compliance Work Unit and
prinsip kehati – hatian maka Satuan Kerja Kepatuhan dan Risk Management Work Unit were actively involved in
Satuan Kerja Manajemen Risiko ikut terlibat secara aktif reviewing the policies and procedures draft that would be
dalam pengkajian rancangan kebijakan dan prosedur enacted by the Bank;
yang akan diberlakukan oleh Bank;
o. Menetapkan risk limit, risk tolerance, dan risk appetite o. Determine risk limits, risk tolerance, and compliance risk
risiko kepatuhan. risk appetite.
8. Risiko Reputasi 8. Risiko Reputasi
a. Identifikasi serta pengukuran risiko reputasi dilakukan a. The identification and measurement of reputational
secara berkala yaitu melalui pemantauan terhadap risk is carried out periodically through the monitoring
keluhan nasabah baik melalui call center dan/atau of customer complaints through call centers and/or
frontliner. frontliners.
b. Bank melakukan penatausahaan setiap adanya b. The Bank administers any negative news in the Media
pemberitaan negatif dalam Laporan Media Monitoring Monitoring Report, which consists of the news title, the
yang terdiri dari judul berita, nama media massa berikut name of the mass media, and the news value so that the
dengan news value sehingga bank dapat mengetahui bank can know the effect of the news.
pengaruh dari pemberitaan tersebut.
c. Bank melakukan penatausahaan setiap adanya c. The Bank administers every customer complaint in the
pengaduan nasabah dalam Laporan Pengaduan Nasabah Customer Complaint Report, which is regularly submitted
yang disampaikan kepada Direksi secara berkala. to the Directors.
d. Terdapat pemantauan atas keluhan nasabah dan d. There is monitoring customer complaints and settlement
penyelesaian pengaduan nasabah yang sesuai dengan of customer complaints following the provisions/SLA.
ketentuan/SLA.
e. Terdapat pemantauan atas pemberitaan negatif kepada e. There is the monitoring of negative news to banks through
bank melalui berbagai media termasuk search engine various media, including search engine optimization to
optimation untuk meningkatkan citra positif bagi bank, improve a positive image for banks, as well as assessment
serta penilaian profil risiko reputasi melalui pelaporan of reputation risk profiles through risk profile reporting
profil risiko secara triwulanan quarterly
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f. Bank dengan segera menindaklanjuti jika terdapat f. The Bank immediately follows up if negative news has a
pemberitaan negatif yang memiliki dampak signifikan significant impact on the bank materially and immaterially
bagi bank baik secara materil maupun immateril dengan by coordinating with the relevant divisions. The bank
berkoordinasi bersama divisi terkait dan bank tetap continues to follow up on any negative news that does
menindaklanjuti setiap adanya pemberitaan negatif yang not significantly impact following applicable regulations.
tidak berdampak signifikan sesuai dengan ketentuan
yang berlaku.
g. Bank juga melakukan sosialisasi kepada customer g. The Bank also conducts socialization to customer service
service untuk senantiasa mengedukasi nasabah guna to continuously educate customers to minimize the
meminimalisir potensi risiko reputasi yang mungkin potential reputational risk that may arise from customer
timbul atas kesalahpahaman nasabah terkait penggunaan misunderstandings regarding the use of bank products/
produk/jasa bank. Selain itu terdapat kunjungan ke setiap services. In addition, there were visits to each bank office
jaringan kantor bank mengenai penyesuaian standardisasi network regarding adjustments to standardization of
layanan industri perbankan, coaching dan pendampingan banking industry services, coaching, and assistance to
kepada Kantor Cabang serta adanya program Service dan Branch Offices and the Service and Culture program to
Budaya dalam rangka meningkatkan kualitas layanan improve the quality of bank services.
bank.
h. Dalam rangka peningkatan kualitas layanan bank juga h. To improve the quality of bank services, the bank also
melakukan survey atas layanan bank baik secara internal surveys bank services both internally and externally to
maupun eksternal untuk meningkatkan kepuasan dan increase customer satisfaction and loyalty to the bank
loyalitas nasabah kepada bank melalui: through:
- Survey Internal: - Survey Internal:
a) Score kinerja layanan sesuai dengan standar a) Score service performance in accordance with
Market Research Indonesia; Market Research Indonesia standards.
b) Monitoring internal yang dilakukan baik oleh b) Internal Monitoring conducted by both the head
kantor pusat maupun kantor wilayah terhadap office and the Regional Office of the branch
kantor cabang; office.
c) Adanya penilaian layanan secara self assessment c) Self Assessment Service assessment by the entire
oleh seluruh jaringan kantor bank serta selain network of Bank offices and in addition there is
itu terdapat mysterious shopper oleh vendor a mysterious shopper by vendors who cooperate
yang bekerjasama dengan bank dalam rangka with banks in order to assessment bank services
penilaian layanan bank secara independen; independently.
d) Adanya Service Quality Assurance yang berperan d) The existence of Service Quality Assurance that
melakukan evaluasi, coaching dan monitoring serves to evaluate, coaching and monitoring
layanan di kantor cabang untuk mendukung services in the branch office to support the
tercapainya service excellence dan pencitraan achievement of good service excellence and Bank
bank yang baik. imaging.
- Survey External: - Survey External:
a) Bank bekerjasama dengan vendor mengenai a) Bank in cooperation with the vendor on
survey kepuasan nasabah melalui program customer satisfaction survey through Customer
Customer Satisfaction Index dan Customer Satisfaction Index and Customer loyalty Index
Loyalitas Index guna mengetahui ekspektasi program to know the customer’s expectation of
nasabah terhadap layanan bank yang Bank services that aims to increase satisfaction
bertujuan untuk meningkatkan kepuasan dan and increase customer loyalty.
meningkatkan loyalitas nasabah.
b) Bank melakukan pula sosialisasi atas hasil b) Bank also conducts socialization of customer
kepuasan nasabah/customer feedback tersebut feedback to all branch office as the evaluation of
kepada seluruh Kantor Cabang sebagai bahan Bank service.
evaluasi layanan bank;
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c) Peningkatan kualitas SDM dilakukan melalui c) Improvement in the quality of human resources
pemberian pendidikan dan pelatihan service through the provision of education and training
excellent & standar layanan bagi frontliner serta excellent service and service standards for
pelatihan communication skill. supplying frontliner and communication skills
training.
d) Selain itu untuk meminimalisir potensi risiko d) In addition to minimizing the potential risk of
reputasi yang berasal dari keluhan nasabah atas reputations arising from customer complaints
produk/layanan bank, bank terus melakukan of bank products/services, Companys continue
koordinasi dengan unit kerja terkait mengenai to coordinate with related work units on the
tindaklanjut perbaikan terkait kerusakan mesin/ followup improvements related to the breakdown
sistem transaksi yang ada pada mesin ATM dan of machine/transaction system existing in ATM
electronic banking; machines and electronic banking;
e) Bentuk mitigasi lainnya yang secara rutin e) Other forms of mitigation that are routinely
dilakukan yaitu sebagai berikut: carried out as follows:
• Media Visit ke beberapa media massa • Media Visit to several mass Media of national
berskala nasional baik cetak maupun scale both print and electronic;
elektronik;
• Membangun sarana komunikasi dengan • Establishing means of communication with
para investor; investors;
• Menjalin hubungan baik rekan-rekan media • Establishing good relations of local
baik lokal maupun nasional dan pelaksanaan and national media colleagues and the
media gathering, undangan media untuk implementation of media gathering, media
berpartisipasi dalam liputan kegiatan bank invitations to participate in the coverage of
serta pelaksanaan seminar bagi beberapa bank activities as well as the implementation
media massa dalam rangka menjaga nilai of seminars for several mass media in order
keseimbangan antara bank dengan pihak to maintain value Balance between banks
media. and media.
Penerapan Manajemen Risiko Terintegrasi Integrated Risk Management
Implementation
bank bjb ditunjuk sebagai Entitas Utama dari konglomerasi bank bjb was appointed as the Main Entity of the financial
keuangan oleh Pemerintah Provinsi Jawa Barat melalui Surat conglomerate by the West Java Provincial Government through
Nomor 539/1495/Invest & BUMD tanggal 27 Maret 2015 Letter Number 539/1495/Invest&BUMD dated March 27, 2015
perihal Penunjukan bank bjb sebagai Entitas Utama. Struktur regarding bank bjb as the Main Entity. The structure of the bank
Konglomerasi bank bjb sebagaimana Surat Keputusan Direksi bjb conglomerate as stated in the Decree of the Directors of PT
PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Number
Nomor 0278/SK/DIR-MAP/2023 Tentang Struktur Konglomerasi 0278/SK/DIR-MAP/2023 concerning the Financial Conglomerate
Keuangan PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Structure of PT Bank Pembangunan Daerah Jawa Barat dan
Tbk. adalah sebagai berikut: Banten, Tbk. is as follows
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Pemerintah Provinsi Jawa Barat
Pemerintah Provinsi Jawa Barat
Bank bjb 8 BPR
Bank bjb
8 BPR
PT Bank Jabar Banten PT bjb Sekuritas
Syariah PT BPR Intan Jabar Jawa Barat
PT Bank Jabar Banten PT BPR Intan Jabar PT bjb Sekuritas
Syariah Jawa Barat
Keterangan:
Pemegang Saham Pengendali Non LJK Perusahaan Terelasi
Non LJK Controlling Shareholders Associated Companies
Entitas Utama Yang ditunjuk Entitas Anak
Designated Primary Entity Subsidiary Entity
Sebagai implementasi dari Peraturan Otoritas Jasa Keuangan As implementation of OJK Regulation No. 17/ POJK.03/2014
Nomor 17/POJK.03/2014 Tentang Penerapan Manajemen Risiko concerning The Implementation of Integrated Risk Management
Terintegrasi Bagi Konglomerasi Keuangan, bank bjb melaksanakan for Financial Conglomerations, bank bjb conducts integrated risk
penerapan Manajemen Risiko Terintegrasi mencakup paling management application covering at least:
sedikit:
1. Pengawasan Direksi dan Dewan Komisaris Entitas Utama. 1. Supervision of Directors and BOC of the main entity;
2. Kecukupan Kebijakan, Prosedur, dan Penetapan Limit 2. Adequacy of the integrated risk management limit policies,
Manajemen Risiko Terintegrasi. procedures, and limits;
3. Kecukupan Proses Identifikasi, Pengukuran, Pemantauan, 3. Adequacy of the process of identification, measurement,
Pengendalian Risiko secara Terintegrasi, dan Sistem Informasi monitoring, integrated risk control, and integrated risk
Manajemen Risiko Terintegrasi. management information system; and
4. Sistem Pengendalian Intern yang Menyeluruh Terhadap 4. Comprehensive internal control system for the implementation
Penerapan Manajemen Risiko Terintegrasi. of integrated risk management.
Bank juga membentuk Komite Manajemen Risiko Terintegrasi yang The bank also formed an Integrated Risk Management Committee
beranggotakan Direktur/Pejabat Eksekutif yang membawahkan consisting of Directors/Executive Officers who oversee the risk
fungsi manajemen risiko dari bank serta perusahaan anak yang management function of the bank and subsidiary companies who
memiliki peran sebagai pemberi masukan serta rekomendasi have the role of providing input and recommendations regarding
terhadap pelaksanaan manajemen risiko di dalam Konglomerasi the implementation of risk management within the Financial
Keuangan dengan berdasarkan Surat Keputusan Direksi bank Conglomeration based on the Decree of the Board of Directors
bjb nomor 0823/SK/DIR-MRI/2021 tanggal 28 Desember 2021 of bank bjb number 0823/SK /DIR-MRI/2021 dated December 28,
tentang Pedoman Komite Manajemen Risiko Terintegrasi. 2021 concerning Guidelines for the Integrated Risk Management
Beberapa agenda yang telah dibahas dalam Komite Manajemen Committee. Some of the agendas that have been discussed in the
Risiko Terintegrasi adalah: Integrated Risk Management Committee are::
1. Pembahasan Terkait Laporan Profil Risiko Terintegrasi 1. Discussion related to the Integrated Risk Profile Report
2. Pembahasan Terkait Penerapan dan Infrastruktur Manajemen 2. Discussion related to Implementation and Risk Management
Risiko di BPR Infrastructure in BPR
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3. Penerapan Budaya Risiko di dalam Konglomerasi keuangan 3. Implementation of Risk Culture in financial Conglomerates
4. Pembahasan Laporan Kecukupan Permodalan Terintegrasi 4. Discussion on the Integrated Capital Adequacy Report
5. Pembahasan Risk Appetite & Risk Tolerance Konglomerasi 5. Discussion on Conglomerate Risk Appetite & Risk Tolerance
6. Pembahasan Terkait Awareness Kepatuhan dan APU PPT 6. Discussion related to Compliance Awareness and AML-CFT
Tugas, wewenang dan tanggung jawab Komite Manajemen Duties, authorities, and responsibilities of the Integrated Risk
Risiko Terintegrasi (KMRT) adalah untuk memberikan rekomendasi Management Committee (KMRT) was to provide recommendations
kepada Direksi Entitas Utama mengenai penerapan manajemen to the Board of Directors of the Main Entity regarding the
risiko paling kurang: implementation of risk management minimally as follows:
1. Penyusunan dan perbaikan Kebijakan Manajemen Risiko 1. Preparation and improvement of Integrated Risk Management
Terintegrasi. Policy.
2. Perbaikan atau penyempurnaan Kebijakan Manajemen Risiko 2. Improvements or enhancements to the Integrated Risk
Terintegrasi antara lain berupa penyempurnaan strategi dan Management Policy, including refining the Risk strategy
kerangka Risiko berdasarkan hasil evaluasi pelaksanaan. and framework based on the results of the evaluation
implementation.
Penilaian Risiko Risk Assessment
Berdasarkan hasil self-assessment bank terhadap peringkat Based on the results of the bank’s self-assessment of bank bjb’s
risiko bank bjb secara keseluruhan setiap triwulan pada tahun overall risk rating every quarter in 2023 is Low to Moderate with
2023 adalah Low to Moderate dengan trend risiko stabil a stable risk trend when compared to the previous year. This
apabila dibandingkan dengan tahun sebelumnya. Hal tersebut reflects that the possibility of loss from inherent risk is relatively
mencerminkan kemungkinan kerugian yang dihadapi dari risiko low for a certain period of time in the future and related to the
inheren tergolong rendah selama periode waktu tertentu dimasa quality of the implementation of composite risk management in a
datang dan terkait kualitas penerapan manajemen risiko bank bank that is adequate, even though there are minor weaknesses,
secara komposit memadai, meskipun terdapat kelemahan minor these weaknesses have become the attention of the bank’s
tetapi kelemahan tersebut telah menjadi perhatian manajemen management. Summary of risk profile during 2023 for 8 (eight)
bank. Ringkasan profil risiko selama kurun waktu 2023 untuk 8 types of risks managed by the bank are as follows:
(delapan) jenis risiko yang dikelola bank adalah sebagai berikut:
Profil Risiko bank bjb 2023
Bank bjb Risk Profile 2023
Jenis Risiko
No
Risk Type
Triwulan I Triwulan II Triwulan III Triwulan IV
Quarter I Quarter II Quarter III Quarter IV
Risiko Kredit Low to Moderate Low to Moderate Low to Moderate Low to Moderate
1
Credit Risk Low to Moderate Low to Moderate Low to Moderate Low to Moderate
Risiko Pasar Low to Moderate Low to Moderate Low to Moderate Low to Moderate
2
Market Risk Low to Moderate Low to Moderate Low to Moderate Low to Moderate
Risiko Likuditas Low to Moderate Low to Moderate Low to Moderate Low to Moderate
3
Liquidity Risk Low to Moderate Low to Moderate Low to Moderate Low to Moderate
Risiko Operasional Moderate Moderate Low to Moderate Low to Moderate
4
Operational Risk Moderate Moderate Low to Moderate Low to Moderate
Risiko Hukum Low to Moderate Low to Moderate Low to Moderate Low to Moderate
5
Legal Risk Low to Moderate Low to Moderate Low to Moderate Low to Moderate
Risiko Stratejik Low Low Low Low
6
Strategic Risk Low Low Low Low
Risiko Kepatuhan Low Low Low to Moderate Low
7
Compliance Risk Low Low Low to Moderate Low
Risiko Reputasi Low to Moderate Low to Moderate Low Low
8
Reputational Risk Low to Moderate Low to Moderate Low Low
Predikat Risiko Low to Moderate Low to Moderate Low to Moderate Low to Moderate
Risk Predicate Low to Moderate Low to Moderate Low to Moderate Low to Moderate
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Tinjauan atas Efektivitas Sistem Review of The Effectiveness of The Risk
Manajemen Risiko Management System
Sistem pengukuran risiko yang dipergunakan untuk mengukur The risk measurement system used to measure the Bank’s risk
eksposur risiko Bank sebagai pedoman untuk melakukan exposure serves as a guideline for conducting control and is carried
pengendalian dan dilakukan secara berkala. Sistem tersebut out periodically. The system must at least be able to measure:
paling kurang harus dapat mengukur: 1. Product/activity sensitivity to changes in the factors
1. Sensitivitas produk/aktivitas terhadap perubahan faktor- that influence it, the bank is in normal or abnormal
faktor yang mempengaruhinya, bank dalam keadaan normal circumstances.
maupun tidak normal. 2. The trend of changes in these factors is based on
2. Kecenderungan perubahan faktor-faktor dimaksud fluctuations that occurred in the past and their
berdasarkan fluktuasi yang terjadi dimasa lalu dan korelasinya. correlations.
3. Faktor risiko (Risk Factor) secara individual. 3. Risk factors individually.
4. Eksposur risiko secara keseluruhan (aggregate) maupun per 4. Overall risk exposure (aggregate) as well as per risk, taking
risiko, dengan mempertimbangkan keterkaitan antar risiko. into account the interrelationships between risks.
5. Seluruh risiko yang melekat pada seluruh transaksi serta 5. All risks inherent in all banking transactions and products,
produk perbankan, termasuk produk dan aktivitas baru, dan including new products and activities, and can be
dapat diintegrasikan dalam sistem informasi manajemen integrated into the Bank’s management information
Bank. system.
Metode pengukuran dapat dilakukan secara kuantitatif dan/atau Measurement methods can be carried out quantitatively and/ or
kualitatif. Metode pengukuran tersebut dapat berupa metode qualitatively. The measurement method may be in the form of a
yang ditetapkan oleh Bank Indonesia dan Otoritas Jasa Keuangan method stipulated by Bank Indonesia and the Financial Services
dalam rangka penilaian risiko dan perhitungan modal (baik berupa Authority for risk assessment and capital calculation (either in the
metode standar atau metode internal yang dikembangkan sendiri form of a standard method or an internal method developed by
oleh Bank). Dalam rangka mengatasi kelemahan yang dapat the Bank). In order to overcome the weaknesses that may arise
timbul atas penggunaan model pengukuran risiko tertentu maka from the use of certain risk measurement models, the Bank must
Bank harus melakukan validasi model tersebut. Sistem pengukuran validate the model. The risk measurement system is evaluated
risiko dievaluasi dan disempurnakan secara berkala atau sewaktu- and refined periodically or at any time if necessary to ensure the
waktu apabila diperlukan untuk memastikan kesesuaian asuransi, suitability of insurance, accuracy, fairness and data integrity, as
akurasi, kewajaran, dan integritas data, serta prosedur yang well as the procedures used to measure risk. In evaluating the
digunakan untuk mengukur risiko. Dalam melakukan evaluasi effectiveness of the Company’s risk management system, the risk
atas efektivitas sistem manajemen risiko Perseroan maka satuan management work unit carries out the monitoring program as
kerja manajemen risiko melakukan program pemantauan sebagai follows:
berikut:
1. Perseroan memiliki sistem dan prosedur pemantauan antara 1. The Company has monitoring systems and procedures
lain mencakup pemantauan terhadap besarnya eksposur which include monitoring the magnitude of risk exposure,
risiko, kepatuhan limit internal dan hasil stress testing maupun compliance with internal limits and the results of stress
konsistensi dengan kebijakan dan prosedur yang ditetapkan. testing as well as consistency with established policies and
procedures.
2. Pemantauan dilakukan baik oleh unit pelaksana (risk 2. Monitoring is carried out both by the implementing unit
taking unit) maupun oleh Satuan Kerja Manajemen Risiko (risk taking unit) and by the Risk Management Work Unit.
Hasil pemantauan disajikan dalam laporan berkala yang Monitoring results are presented in periodic reports submitted
disampaikan kepada manajemen dalam rangka mitigasi risiko to management in the context of risk mitigation and necessary
dan tindakan yang diperlukan. actions.
3. Perseroan menyiapkan suatu sistem back up dan prosedur 3. The Company prepares an effective back-up system and
yang efektif untuk mencegah terjadinya gangguan procedures to prevent disruptions in the risk monitoring
(disruptions) dalam proses pemantauan risiko, dan melakukan process, and periodically checks and reassesses the back-up
pengecekan serta penilaian kembali secara berkala terhadap system.
sistem back up tersebut.
Berdasarkan evaluasi atas efektivitas yang telah dilakukan selama Based on the evaluation of the effectiveness that has been carried
tahun 2023, menunjukkan bahwa sistem manajemen risiko pada out during 2023, it shows that the risk management system at
bank bjb telah memadai. bank bjb was adequate.
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Pernyataan Direksi dan/atau Dewan Statements of The Directors and The Board
Komisaris atau Komite Audit atas of Commissioners on The Adequacy of The
Kecukupan Sistem Manajemen Risiko Risk Management System
Direksi dan Dewan Komisaris melalui Komite Pemantau Risiko The Board of Directors and Board of Commissioners, through the
menilai bahwa selama tahun 2023 kecukupan manajemen Risk Monitoring Committee, assess that during 2023 the adequacy
risiko telah berjalan memadai yang tercermin hasil review of risk management has been adequate, as reflected by the results
atas kelengkapan dan keakuratan identifikasi, pengukuran, of a review of the completeness and accuracy of risk identification,
pemantauan, pengendalian dan pelaporan risiko, serta atas measurement, monitoring, control and reporting, as well as the
kecukupan skenario mitigasi yang diusulkan oleh unit kerja adequacy of mitigation scenarios proposed by operational work
operasional telah memadai. units is adequate.
Fungsi Kepatuhan Compliance Function
Struktur Organisasi Divisi Kepatuhan & APU- Organizational Structure of the Compliance
PPT and AML-CFT Division
Kepatuhan
Compliance
Kepatuhan & APU PPT
Compliance & APU PPT
Pengelolaan Program APU PPT
Pengkajian & Pengembangan Tata Kelola & Pengelolaan Program
Kantor Wilayah dan Cabang
Kepatuhan Pengendalian Gratifikasi APU PPT Kantor Pusat
Management of the AML-CFT
Compliance Assessment & Governance and Control of Management of the Head
Program for Regional Offices and
Development Gratifications Office AML-CFT Program
Branch Offices
Keterangan/ Information:
Garis Komando Direktur Pemimpin grup
Command Line Director Group leader
Garis Koordinasi Pemimpin Divisi Berjumlah lebih dari Satu
Coordination Line Division Leader More than One
DIREKTUR YANG MEMBAWAHKAN FUNGSI DIRECTOR WHO IS MANAGING COMPLIANCE
KEPATUHAN FUNCTION
1. Fungsi Kepatuhan Bank meliputi tindakan untuk: 1. The Bank’s Compliance Function includes actions to:
a. Mewujudkan terlaksananya Budaya Kepatuhan pada a. Realizing the implementation of Compliance Culture at
semua tingkatan organisasi dan kegiatan usaha Bank; all levels of the organization and business activities of the
Bank;
b. Mengelola Risiko Kepatuhan yang dihadapi oleh Bank; b. Managing Compliance Risk faced by the Bank;
c. Memastikan agar kebijakan, ketentuan, sistem dan c. Ensuring that policies, provisions, systems and procedures
prosedur serta kegiatan usaha yang dilakukan oleh Bank as well as business activities carried out by the Bank
telah sesuai dengan ketentuan Otoritas Jasa Keuangan comply with the provisions of the Financial Services
dan ketentuan peraturan perundang – undangan; Authority and provisions of laws and regulations;
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d. Memastikan kepatuhan Bank terhadap komitmen yang dibuat d. Ensuring the Bank’s compliance with the commitments
oleh Bank kepada Otoritas Jasa Keuangan dan/atau otoritas made by the Bank to the Financial Services Authority and/
pengawas lain yang berwenang. or other authorized supervisory authorities.
2. Tugas dan tanggung jawab Direktur yang membawahkan 2. Duties and responsibilities of the Director in charge of the
Fungsi Kepatuhan, paling kurang mencakup: Compliance Function, at least include:
a. Merumuskan strategi guna mendorong terciptanya a. Formulating strategies to encourage the creation of the
Budaya Kepatuhan Bank; Bank’s Compliance Culture;
b. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip b. Proposing compliance policies or compliance principles to
kepatuhan yang akan ditetapkan oleh Direksi; be determined by the Board of Directors;
c. Menetapkan sistem dan prosedur kepatuhan yang akan c. Establishing compliance systems and procedures to be
digunakan di dalam penyusunan ketentuan dan pedoman used in preparing the Bank’s internal regulations and
internal Bank; guidelines;
d. Memastikan bahwa seluruh kebijakan, ketentuan, sistem d. Ensuring that all policies, provisions, systems and
dan prosedur serta kegiatan usaha yang dilakukan Bank procedures as well as business activities carried out by the
telah sesuai dengan ketentuan Otoritas Jasa Keuangan Bank comply with the provisions of the Financial Services
dan ketentuan peraturan perundang – undangan; Authority and provisions of laws and regulations;
e. Meminimalkan Risiko Kepatuhan Bank; e. Minimizing Bank Compliance Risk;
f. Melakukan tindakan pencegahan agar kebijakan dan/ f. Taking preventive measures so that policies and/or
atau keputusan yang diambil Direksi Bank atau pimpinan decisions taken by the Board of Directors of the Bank or
kantor cabang dari bank yang berkedudukan di luar the head of a branch office of a bank domiciled abroad do
negeri tidak menyimpang dari ketentuan Otoritas Jasa not deviate from the provisions of the Financial Services
Keuangan dan ketentuan peraturan perundang – Authority and the provisions of laws and regulations; And
undangan; dan
g. Melakukan tugas lain yang terkait dengan Fungsi g. Performing other tasks related to the Compliance
Kepatuhan. Function.
Tugas dan tanggung jawab sebagaimana dimaksud di atas The duties and responsibilities referred to above did not
tidak menghilangkan hak dan kewajiban Direktur yang diminish the rights and obligations of the Director in charge
membawahkan Fungsi Kepatuhan sebagai anggota Direksi of the Compliance Function as a member of the Bank’s Board
Bank sebagaimana diatur dalam Undang-Undang mengenai of Directors as stipulated in the Law on Limited Liability
Perseroan Terbatas, dalam hal diperlukan keputusan terhadap Companies, in the event that a decision was required on
perbuatan tertentu dari seluruh anggota Direksi Bank. certain actions from all members of the Bank’s Board of
Directors.
Sebagai bentuk kepatuhan Perseroan kepada POJK No. As a form of obedience to OJK Regulation No. 46/ POJK.03/2017
46/POJK.03/2017 tentang Pelaksanaan Fungsi Kepatuhan regarding the implementation of the general Bank’s compliance
Bank Umum, bank bjb telah menunjuk Direktur yang function, bank bjb has appointed director who overtakes
membawahkan fungsi kepatuhan. Direktur Kepatuhan bank compliance function. Director of Compliance bank bjb has
bjb telah memenuhi prasyarat integritas dan kompetensi fulfilled the prerequisites of integrity and competence evidenced
dibuktikan dengan telah lulus proses fit and proper test dari by having passed the fit and proper test process of the Financial
Otoritas Jasa Keuangan. Services Authority.
DIVISI KEPATUHAN & APU PPT COMPLIANCE & AML-CFT DIVISION
bank bjb telah membentuk Satuan Kerja Kepatuhan dibawah bank bjb has formed a Compliance Work Unit under the
Direktorat Kepatuhan yaitu Divisi Kepatuhan & APU PPT. Satuan Compliance Directorate, namely the Compliance & AML-CFT
Kerja Kepatuhan berkedudukan independen terhadap unit kerja Division. The Compliance Work Unit is independent of the
bisnis dan melaksanakan kegiatan sesuai dengan fungsi yang business work unit and carries out activities in accordance with
tercantum dalam POJK No 46/POJK.03/2017 tentang Pelaksanaan the functions stated in POJK No 46/POJK.03/2017 concerning
Fungsi Kepatuhan Bank Umum. Implementation of Commercial Bank Compliance Functions.
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Profil Pemimpin Divisi Kepatuhan & APU-PPT Profile of Head of Compliance and AML CFT
Division
Deden Hilman
Pemimpin Divisi Kepatuhan & APU-PPT
Head of Compliance and AML CFT Division
Kewarganegaraan Nationality
Warga Negara Indonesia Indonesian Citizen
Domisili Domicile
Bandung Bandung
Lahir di Bandung, 26 Februari 1974 saat ini berusia 49 tahun. Born in Bandung, February 26 1974, currently 49 years old.
Riwayat Pendidikan Educational Background
• Sarjana Hukum dari Universitas Padjadjaran pada tahun 1998. • Bachelor of Laws from Padjadjaran University in 1998.
• Magister bidang Hukum Ekonomi & Bisnis dari Universitas Padjadjaran • Masters in Economics & Business Law from Padjadjaran Universi-ty
Bandung pada tahun 2010. Bandung in 2010.
Dasar Hukum Pengangkatan Appointment History
Berdasarkan Surat Keputusan Direksi No. 0285/SK/DIR-HCA/2023. Based on Decree of the Board of Directors No. 0285/SK/DIR-HCA/2023.
Pengalaman Kerja Work Experience
Bergabung di bank bjb sejak 11 September 2001 dengan riwayat jabatan Joined bank bjb since dated September 11, 2001 with a history of position
antara lain: as follows:
• Pemimpin Cabang Purwakarta sejak 15 Oktober 2018 hingga 27 Januari • Purwakarta Branch Leader from 15 October 2018 to 27 January 2020
2020
• Pemimpin Cabang Depok sejak 10 Februari 2020 hingga 15 Januari 2021 • Depok Branch Leader from 10 February 2020 to 15 January 2021
• Deputi CEO Regional 5 sejak 01 Februari 2021 hingga 01 Agustus 2023 • Deputy CEO Regional 5 from 01 February 2021 to 01 August 2023
• Pemimpin Divisi Kepatuhan & APU PPT sejak tanggal 01 September 2023 • Head of Compliance & AML CFT Division from 01 September 2023 until
hingga sekarang now
Tugas dan Tanggung Jawab Satuan Kerja Duties and Responsibilities of the Compliance
Kepatuhan Work Unit
Satuan Kerja Kepatuhan memiliki tugas dan tanggung jawab The Compliance Work Unit has the duties and responsibilities at
sebagai berikut: least including:
1. Membuat langkah untuk mendukung terciptanya Budaya 1. Make steps to support the creation of a Compliance Culture
Kepatuhan pada seluruh kegiatan usaha Bank pada setiap in all business activities of the Bank at every level of the
jenjang organisasi. organization.
2. Melakukan identifikasi, pengukuran, pemantauan dan 2. Identifying, measuring, monitoring and controlling compliance
pengendalian terhadap risiko kepatuhan dengan mengacu risk by referring to OJK regulations governing the application
pada ketentuan OJK yang mengatur mengenai penerapan of risk management for commercial banks.
manajemen risiko bagi bank umum.
3. Menilai dan mengevaluasi efektivitas, kecukupan dan 3. Assess and evaluate the effectiveness, adequacy and suitability
kesesuaian kebijakan, ketentuan, sistem maupun prosedur of policies, regulations, systems and procedures owned by the
yang dimiliki oleh Bank dengan peraturan perundang- Bank with the provisions of the legislation.
undangan.
4. Melakukan kaji ulang dan/atau merekomendasikan 4. Conduct a review and/or recommend updating and refining
pengkinian dan penyempurnaan kebijakan, ketentuan, sistem policies, provisions, systems and procedures to comply with
maupun prosedur agar sesuai dengan ketentuan OJK dan OJK provisions and statutory provisions.
ketentuan peraturan perundang-undangan.
5. Melakukan upaya untuk memastikan bahwa kebijakan, 5. Make efforts to ensure that the policies, system and procedure
ketentuan sistem dan prosedur, serta kegiatan usaha Bank provisions, as well as the Bank’s business activities are in
telah sesuai dengan ketentuan OJK dan ketentuan peraturan accordance with the OJK and statutory regulations.
perundang-undangan.
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6. Melakukan tugas lain yang terkait dengan Fungsi Kepatuhan 6. Perform other tasks related to the Compliance Function,
antara lain: including:
a. Memastikan kepatuhan Bank terhadap komitmen yang a.. Ensuring the Bank’s compliance with commitments made by
dibuat oleh Bank kepada OJK dan/atau otoritas pengawas the Bank to OJK and/or other supervisory authorities.
lain yang berwenang.
b. Melakukan sosialisasi kepada seluruh pegawai Bank b. Disseminating information to all Bank employees regarding
mengenai hal-hal yang terkait dengan Fungsi Kepatuhan matters relating to the Compliance Function, especially
terutama mengenai ketentuan yang berlaku. regarding applicable regulations.
c. Bertindak sebagai narahubung (contact person) untuk c. Acting as a contact person for the Bank’s compliance issues
permasalahan kepatuhan Bank bagi pihak internal for internal and external parties.
maupun eksternal.
d. Memantau dan mengevaluasi pelaksanaan fungsi d. Monitor and evaluate the implementation of the compliance
kepatuhan pada masing-masing Lembaga Jasa Keuangan function in each Financial Services Institution in the Financial
dalam Konglomerasi Keuangan. Conglomeration.
Satuan Kerja Kepatuhan melaksanakan kegiatan sesuai dengan The Compliance unit conducts activities in accordance with the
fungsi yang tercantum dalam POJK Nomor 46/POJK.03/2017 functions stated in the OJK Regulation Number 46/POJK.03/2017
tentang Pelaksanaan Fungsi Kepatuhan Bank Umum yaitu: regarding The Implementation of Compliance Function of The
Public Bank:
1. Mewujudkan terlaksananya Budaya Kepatuhan pada semua 1. Establish the implementation of culture of compliance at all
tingkatan organisasi dan kegiatan usaha Bank. levels of the organization and business activities of the Bank.
2. Mengelola Risiko Kepatuhan yang dihadapi oleh Bank. 2. Managing the compliance risk faced by the Bank.
3. Memastikan kebijakan, ketentuan, sistem dan prosedur 3. Ensure that the policies, provisions, systems and procedures
serta kegiatan usaha yang dilakukan oleh Bank telah sesuai and business activities undertaken by the Bank are in
dengan ketentuan OJK dan ketentuan peraturan perundang- accordance with the provisions of OJK and the provisions of
undangan. legislation.
4. Memastikan kepatuhan Bank terhadap komitmen yang dibuat 4. Ensure that the Bank’s compliance with the commitments
oleh Bank kepada Otoritas Jasa Keuangan dan/atau otoritas made by the Bank to the Financial Services Authority and/or
pengawas lain yang berwenang. other regulatory authorities.
Pelaksanaan Program Kerja Fungsi Kepatuhan Implementation of Compliance Function Work
Tahun 2023 Program In 2023
Divisi Kepatuhan & APU PPT membuat langkah-langkah dalam The Compliance & AML CFT Division took steps in order to
rangka mendukung terciptanya Budaya Kepatuhan pada seluruh support the creation of a Compliance Culture in all Bank business
kegiatan usaha Bank pada setiap jenjang organisasi. Salah satu activities at every level of the organization. One way to do this was
yang dilakukan dengan melaksanakan kegiatan sosialisasi Budaya by carrying out routine dissemination of the Compliance Culture
Kepatuhan secara rutin kepada semua tingkatan organisasi dan to all levels of the organization and business activities of the Bank.
kegiatan usaha Bank. Adapun kegiatan Divisi Kepatuhan & APU The activities of the Compliance & AML CFT Division during 2023
PPT selama tahun 2023 sebagai berikut: were as follows:
1. Penetapan ketentuan internal Bank 1. Determination of the Bank’s internal regulations
a. Surat Keputusan Direksi No 0404/SK/DIR-KAP/2023 a. Decree of the Board of Directors No 0404/SK/DIR-KAP/2023
tanggal 25 Oktober 2023 tentang Kebijakan Kepatuhan; dated October 25, 2023 concerning Compliance Policy;
b. Surat Keputusan Direksi No 0484/DIR-KAP/2023 tanggal b. Decree of the Board of Directors No 0484/DIR-KAP/2023
30 November 2023 tentang Kebijakan Penerapan dated November 30, 2023 concerning Policy for Implementing
Program Anti Pencucian Uang, Pencegahan Pendanaan Anti-Money Laundering Programs, Prevention of Terrorism
Terorisme dan Pencegahan Pendanaan Proliferasi Financing and Prevention of Funding for the Proliferation of
Senjata Pemusnah Massal (Selanjutnya disebut Kebijakan Weapons of Mass Destruction (hereinafter referred to as Policy
Penerapan Program APUPPT dan PPPSPM) for the APUPPT and PPPSPM Programs Implementation)
c. Surat Keputusan Direksi No 0499/DIR-KAP/2023 tanggal c. Decree of the Board of Directors No 0499/DIR-KAP/2023
13 Desember 2023 tentang Standar Operasional Prosedur dated December 13, 2023 concerning Standard
Penerapan Program Anti Pencucian Uang, Pencegahan Operational Procedures for Implementing Anti-Money
Pendanaan Terorisme dan Pencegahan Pendanaan Laundering Programs, Prevention of Terrorism Financing
Proliferasi Senjata Pemusnah massal (selanjutnya disebut and Prevention of Funding for the Proliferation of Weapons
SOP Penerapan Program APUPPT dan PPPSPM) of Mass Destruction (hereinafter referred to as SOP for
the AML-PTF and PPPSPM Programs Implementation)
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d. Surat Keputusan Direksi No 0421/SK/DIR-KAP/2023 d. Decree of the Board of Directors No 0421/SK/DIR-
tanggal 03 November 2023 tentang Standar Operasional KAP/2023 dated November 3, 2023 concerning Standard
Prosedur Fungsi Kepatuhan; Operational Procedures for the Compliance Function;
e. Surat Keputusan Direksi No 0369/SK/DIR-CMO/2023 e. Decree of the Board of Directors No 0369/SK/DIR-
tanggal 23 September 2023 tentang Standar Operasional CMO/2023 dated September 23, 2023 concerning
Prosedur Penyelenggaraan Produk dan/ atau Kegiatan Standard Operational Procedures for the Implementation
Bank of Bank Products and/or Activities
f. Surat Keputusan Divisi No 005/SK/KAP-PPA/2023 tanggal f. Decree of Division No 005/SK/KAP-PPA/2023 dated 26
26 September 2023 tentang Penerapan Program Anti September 2023 concerning Implementation of the Anti-
Pencucian Uang, Pencegahan Pendanaan Terorisme dan Money Laundering Program, Prevention of Terrorism
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Financing and Prevention of Funding for the Proliferation
Massal di Unit Kerja yang berlaku tanggal 23 Oktober of Weapons of Mass Destruction in Work Units, effective
2023 (Petunjuk Teknis Penerapan Program APUPPT dan since dated October 23, 2023 (Technical Instructions for
PPPSPM di Unit Kerja) Implementing the AML-PTF and PPPSPM Programs in
Work Unit)
g. Surat Keputusan Divisi No 004/SK/KAP-PPK/2023 tanggal g. Decree of Division No 004/SK/KAP-PPK/2023 dated
22 Agustus 2023 tentang Petunjuk Teknis Compliance August 22, 2023 concerning Technical Instructions for
Sheet Bidang Perkreditan Kantor Pusat Compliance Sheet in the Head Office of Credit Sector
h. Surat Keputusan Divisi No 001/SK/KAP-PPK/2023 tanggal h. Decree of Division No 001/SK/KAP-PPK/2023 dated
23 Juni 2023 tentang Petunjuk Teknis Compliance Sheet June 23, 2023 concerning Technical Instructions for
Bidang Perkreditan Pada Kantor Wilayah/ Kantor Cabang/ Compliance Sheets in the Credit Sector at Regional
Kantor Cabang Pembantu Tipe A Offices/Branch Offices/ Sub-Branch Offices Type A
2. Kegiatan sosialisasi dengan tema “Budaya Kepatuhan” pada 2. Socialization activities with the theme “Culture of
20 (dua puluh) jaringan Kantor Cabang; Compliance” in 20 (twenty) Branch Office networks;
3. Kegiatan sosialisasi tata cara pengisian e-LHKPN kepada 3. Socialization activities on procedures for filling out e-LHKPN to
seluruh unit kerja di lingkungan bank bjb; all work units within bank bjb;
4. Kajian kepatuhan dalam rangka memastikan kepatuhan atas 4. Compliance studies in order to ensure compliance with bank
ketentuan internal bank bjb terhadap ketentuan perundang bjb’s internal provisions and statutory provisions which have
– undangan yang telah disusun sebanyak 506 kajian. been prepared as many as 506 studies.
5. Melakukan langkah – langkah dalam rangka mendukung 5. Applying measures to support the creation of a Compliance
terciptanya Budaya Kepatuhan melalui: Culture through:
a. Melaksanakan kegiatan sosialisasi penerapan Budaya a. Conducting dissemination activities on the implementation
Kepatuhan secara berkala of Compliance Culture on a regular basis
b. Memantau pelaksanaan LHKPN, Gratifikasi, dan b. Monitoring the implementation of LHKPN, Gratification,
Penerapan APU, PPT dan PPPSPM; and implementation of AML, CFT and CPF;
c. Mengembangkan aplikasi bjb AMOLA dalam rangka c. Developing the bjb AMOLA application in terms of
pelaksanaan Customer Due Diligence, pemantauan implementing Customer Due Diligence, monitoring
transaksi nasabah serta pengkinian data nasabah; customer transactions and updating customer data;
d. Mengembangkan sistem aplikasi Fungsi Kepatuhan (bjb d. Developing the Compliance Function application system (
Sipatuh); bjb Sipatuh);
e. Membuat kompilasi seluruh ketentuan internal Bank e. Creating a compilation of all internal Bank regulations
melalui sistem aplikasi KMS (Knowledge Management through the KMS (Knowledge Management System)
System) sehingga dapat diakses seluruh pegawai Bank. application system so that it could be accessed by all Bank
employees.
6. Melakukan identifikasi, pengukuran, monitoring dan 6. Identifying, measuring, monitoring and controlling compliance
pengendalian risiko kepatuhan yaitu sebagai berikut: risks as follows:
a. Melakukan identifikasi, inventarisasi dan monitoring a. Conducting identification, inventory and monitoring
atas kewajiban pelaporan kepada regulator berdasarkan of reporting obligations to regulators based on OJK
peraturan OJK dan ketentuan eksternal lainnya yang baru regulations and other newly implemented external
diberlakukan; provisions;
b. Melakukan identifikasi titik rawan gratifikasi pada Bank b. Identifying prone points to gratification at the Bank as an
sebagai early warning dalam melaksanakan tindakan early warning in implementing measures to mitigate the
mitigasi risiko gratifikasi dan/atau fraud; risk of gratification and/or fraud;
c. Melakukan pengembangan sistem yang dapat c. Developing systems that could reduce potential
mengurangi potensi Risiko Kepatuhan, antara lain bjb Compliance Risk, including bjb AMOLA as a system used
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AMOLA sebagai sistem yang digunakan pada kegiatan in AML-TPF activities, and bjb SiPatuh as a system used
APU-PPT, dan bjb SiPatuh sebagai sistem yang digunakan in monitoring reporting obligations to Regulators, and
dalam monitoring kewajiban pelaporan kepada submitting notifications of the latest external regulations
Regulator, penyampaian notifikasi ketentuan eksternal and the precautionary principle;
dan ketentuan internal terbaru melalui KMS (Knowledge
Management System) serta prinsip kehati - hatian; d. Monitoring, delivering notifications, and compiling
d. Melaksanakan monitoring, menyampaikan notifikasi dan resumes on policies or regulations issued by authorities,
menyusun resume atas kebijakan atau peraturan yang such as PBI, PADG, POJK, SEOJK and other regulations
dikeluarkan otoritas, misalnya PBI, PADG, POJK, SEOJK related to the Bank. The results of the resume were
dan peraturan lain yang berhubungan dengan Bank. submitted to the relevant work unit for further use by the
Hasil resume tersebut disampaikan kepada unit kerja relevant work unit to make improvements or adjustments
terkait untuk selanjutnya digunakan oleh unit kerja terkait to existing policies, systems and procedures in the work
untuk dilakukan perbaikan atau penyesuaian terhadap unit;
kebijakan, sistem dan prosedur yang telah ada pada unit
kerja;
e. Melakukan pemantauan kepatuhan Bank sesuai prinsip e. Monitoring Bank compliance in accordance with the
kehati-hatian, melalui pemantauan rasio, diantaranya precautionary principle, through monitoring ratios,
terhadap rasio KPMM, BMPK, aset produktif bermasalah including the ratio of KPMM, LCR, non-performing
terhadap total aset produktif, CKPN, PDN, NSFR, LCR, dan productive assets to total productive assets, CKPN, PDN,
GWM; NSFR, LCR and GWM;
f. Melakukan pengkinian terhadap kertas kerja atau tools f. Updating work papers or tools used in reporting monitoring
yang dipergunakan dalam pemantauan pelaporan dan and prudential principles currently implemented by the
prinsip kehatian-hatian yang dilakukan oleh Bank saat Bank. This was conducted so that there would be no
ini. Hal tersebut dilakukan agar kedepan tidak terjadi delays in submitting reports to supervisory authorities
keterlambatan penyampaian pelaporan kepada otoritas or other competent authorities, which could result in
pengawas ataupun otoritas yang berwenang lainnya yang sanctions or fines for the Bank in the future;
dapat menimbulkan sanksi atau denda kepada Bank;
g. Melakukan pengembangan sistem yang dapat g. Developing systems that could reduce potential
mengurangi potensi Risiko Kepatuhan, antara lain bjb Compliance Risk, including bjb AMOLA as a system
AMOLA sebagai sistem yang digunakan pada kegiatan used in AML, CFT and CPF activities, and bjb SiPatuh
APU, PPT dan PPPSPM,, dan bjb SiPatuh sebagai sistem as a system used in monitoring reporting obligations to
yang digunakan dalam monitoring kewajiban pelaporan Regulators, and submitting notifications of the latest
kepada Regulator, penyampaian notifikasi ketentuan external regulations and the precautionary principle;
eksternal terbaru dan prinsip kehati-hatian;
h. Penerapan ISO 37001:2016 Sistem Manajemen Anti h. Implementation of ISO 37001:2016 Anti-Bribery
Penyuapan (SMAP) pada sektor usaha Bank untuk Management System (SMAP) in the Bank business sector
menghindari adanya praktik penyuapan (Zero Tolerance); to avoid bribery practices (Zero Tolerance);
i. Menjadi instansi yang dirujuk oleh KPK dalam kegiatan i. Being an agency referred to by the Corruption Eradication
benchmarking terkait implementasi SMAP Commission in benchmarking activities related to SMAP
implementation
j. Penerapan ISO 37301:2021 Sistem Manajemen j. Implementation of ISO 37301:2021 Compliance
Kepatuhan (SMK); Management System (SMK);
k. Dalam menghadapi era transformasi digital, dilaksanakan k. In dealing with the digital transformation era, the
strategi-strategi antara lain: following strategies were conducted, as follows:
- Penyusunan strategi roadmap transformasi digital, - Preparation of a digital transformation roadmap
yang dilaksanakan secara bertahap melalui 3 (tiga) strategy , which is implemented in stages through 3
fase, yaitu: (three) phases, such as:
1) Phase 1. Digital Readiness Assessment; 1) Phase 1. Digital Readiness Assessment;
2) Phase 2. Strategy Ideation and Prioritization; dan 2) Phase 2. Strategy Ideation and Prioritization; and
3) Phase 3. Roadmap Development. 3) Phase 3. Roadmap Development.
- Prioritisasi kecukupan ketentuan-ketentuan internal - Prioritizing the adequacy of internal provisions,
khususnya dalam bidang digitalisasi; especially in the digitalization sector;
- Penguatan Risk Awareness; - Strengthening Risk Awareness ;
- Penguatan Sistem Informasi, misalnya pengembangan - Affirming Information Systems, such as developing
Knowledge Management System sebagai sistem yang Knowledge Management System as a system
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memudahkan pegawai dalam mencari ketentuan- enabling for employees to easily search for the
ketentuan yang berlaku dan Fraud Detection System applicable provisions and Fraud Detection System to
untuk mendeteksi transaksi mencurigakan/ fraud quickly detect suspicious /fraudulent transactions.
secara cepat.
l. Menyusun kajian terhadap seluruh rancangan kebijakan, l. Preparing reviews of all drafts of policies, provisions,
ketentuan, sistem dan prosedur, serta kegiatan usaha systems and procedures, as well as business activities that
yang akan dilakukan Bank agar sesuai dengan Peraturan would be conducted by the Bank so that they complied
Otoritas Jasa Keuangan, Bank Indonesia, dan peraturan with regulations of Financial Services Authority, Bank
perundang-undangan yang berlaku; Indonesia, and the applicable laws and regulations;
m. Memberikan notifikasi dan rekomendasi terhadap m. Providing notifications and recommendations regarding
pengkinian dan penyempurnaan kebijakan, ketentuan, updating and improving policies, provisions, systems and
sistem maupun prosedur yang dimiliki oleh Bank agar procedures owned by the Bank so that they complied
sesuai dengan ketentuan Otoritas Jasa Keuangan, Bank with the provisions of the Financial Services Authority,
Indonesia dan peraturan perundang - undangan yang Bank Indonesia, and the applicable laws and regulations
berlaku melalui memo internal dalam hal terdapat through internal memos in case new provisions were
ketentuan baru yang dikeluarkan oleh regulator; issued by regulators;
n. Menyusun tools dalam rangka memperhatikan kepatuhan n. Developing tools to consider the Bank’s compliance with
Bank terhadap ketentuan yang berlaku dalam bentuk the applicable regulations, such as a compliance sheet,
compliance sheet, selain itu juga memberikan masukan while providing input on credit studies to prioritize the
terhadap kajian perkreditan guna mengedepankan principle of prudence, the Compliance Work Unit and
prinsip kehati – hatian maka Satuan Kerja Kepatuhan dan Risk Management Work Unit were actively involved in
Satuan Kerja Manajemen Risiko ikut terlibat secara aktif reviewing the policies and procedures draft that would be
dalam pengkajian rancangan kebijakan dan prosedur enacted by the Bank;
yang akan diberlakukan oleh Bank;
o. Menetapkan risk limit, risk tolerance, dan risk appetite o. Determine risk limits, risk tolerance, and compliance risk
risiko kepatuhan. risk appetite.
7. Melakukan monitoring kepatuhan terhadap komitmen yang 7. Monitoring compliance with commitments made by the
dibuat oleh Bank kepada Otoritas Jasa Keuangan atau otoritas Bank to the Financial Services Authority or other competent
pengawas lain yang berwenang; supervisory authorities;
8. Melakukan kegiatan narahubung antara bank bjb dengan 8. Performing liaison activities between bank bjb and regulators.
pihak regulator;
9. Melakukan penilaian terhadap penerapan Tata Kelola Bank 9. Conducting an assessment of the implementation of Bank
oleh Pihak ketiga independen oleh The Indonesian Institue Governance by an independent third party by the Indonesian
for Corporate Governance (IICG) melalui penilaian Corporate Institute for Corporate Governance (IICG) through the
Governance Perception Index (CGPI) dengan hasil nilai skor assessment of the Corporate Governance Perception Index
87,03 atau predikat Indonesia Most Trusted Companies (CGPI) with a score of 87.03 or the Indonesia Most Trusted
(Sangat Tepercaya); Companies predicate (Very Trusted);
10. Mengikuti penilaian oleh Indonesian Institute for Corporate 10. Following the assessment by the Indonesian Institute for
Directorship (IICD) terhadap penerapan GCG melalui ASEAN Corporate Directorship (IICD) on the implementation of GCG
Corporate Governance Scorecard (ACGS) dengan hasil nilai through the ASEAN Corporate Governance Scorecard (ACGS)
skor 99,32 atau predikat “Very Good”. with a score of 99.32 or “Very Good” predicate.
Kepatuhan Terintegrasi Integrated Compliance
Menunjuk POJK No 18/POJK.03/2014 tentang Penerapan Referring to OJK Regulation Number 18/POJK.03/2014 dated November
Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan, dimana 18, 2014 concerning Implementation of Integrated Governance
disebutkan pada pasal 22 bahwa Satuan Kerja Kepatuhan for Financial Conglomerates, where it is stated in article 22 that the
Terintegrasi mempunyai tugas paling sedikit memantau dan Integrated Compliance Work Unit has the task of at least monitoring
mengevaluasi pelaksanaan Fungsi Kepatuhan pada masing- and evaluating the implementation of the Compliance Function in each
masing Lembaga Jasa Keuangan dalam Konglomerasi Keuangan. Financial Services Institution in the Financial Conglomerate.
Pelaksanaan penerapan Fungsi Kepatuhan Terintegrasi dilaksanakan The implementation of the implementation of the Integrated
oleh Satuan Kerja Kepatuhan secara berkesinambungan secara Compliance Function was carried out by the Compliance Work Unit
berkala setiap Triwulan dengan melaksanakan pemantauan dan on an ongoing basis every quarter by carrying out monitoring and
evaluasi melalui kegiatan Focus Group Discussions (FGD) kepada evaluation through on site activities or Focus Group Discussions
Lembaga Jasa Keuangan anggota Konglomerasi Keuangan bank (FGD) for Financial Services Institutions members of the Financial
bjb. Conglomerate bank bjb.
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Selama Tahun 2023 Satuan Kerja Kepatuhan telah melakukan During 2023 the Compliance Work Unit conducted monitoring
pemantauan dan evaluasi serta asistensi penerapan Fungsi and evaluation as well as assistance with the implementation of
Kepatuhan melalui kegiatan Focus Group Discussions (FGD) the Compliance Function through on site activities or Focus Group
kepada Lembaga Jasa Keuangan anggota Konglomerasi Keuangan Discussions (FGD) for all Financial Services Institutions members of
dengan rincian sebagai berikut: the Financial Conglomerate with the following details:
Lembaga Jasa Keuangan Waktu Pelaksanaan Tempat Pelaksanaan
No
Financial Services Institution Implementation Time Place Of Implementation
23 Februari 2023
1 BPR Karya Utama Jabar BPR Karya Utama Jabar
March 16, 2023
16 Maret 2023
2 BPR Wibawa Mukti Jabar BPR Wibawa Mukti Jabar
March 16, 2023
20 Maret 2023
3 BPR Indramayu Jabar (Balongan) BPR Indramayu Jabar (Balongan)
March 20, 2023
25 Mei 2023
4 BPR Cianjur Jabar BPR Cianjur Jabar
May 25, 2023
26 Mei 2023
5 bank bjb Syariah bank bjb Syariah
May 26, 2023
15 Juni 2023
6 BPR LPK Parungpanjang BPR LPK Parungpanjang
June 15, 2023
09 Agustus 2023
7 BPR Cipatujah Jabar BPR Cipatujah Jabar
August 09, 2023
10 Agustus 2023
8 BPR Artha Galuh Mandiri Jabar BPR Artha Galuh Mandiri Jabar
August 10, 2023
21 September 2023
9 BPR Majalengka Jabar BPR Majalengka Jabar
September 21, 2023
24 November 2023
10 bjb Sekuritas bjb Sekuritas
November 24, 2023
Anti Pencucian Uang (APU), Anti Money Laundering (AML) and
Pencegahan Pendanaan Terorisme Counter Terrorist Financing (CFT)
(PPT), dan Pendanaan Proliferasi Program, and Prevention of Financing
Senjata Pemusnah Massal (PPPSPM) of Proliferation of Weapons Of Mass
Destruction (PFWMD)
Penerapan Program Anti Pencucian Uang, Pencegahan The implementation of the Anti-Money Laundering Program,
Pendanaan Terorisme dan Pencegahan Pendanaan Proliferasi Counter-Terrorism Financing, and Prevention of Financing of
Senjata Pemusnah Massal atau disebut juga dengan program Proliferation of Weapons Of Mass Destruction or also known
APU, PPT dan PPPSPM (Anti-Money Laundering, Counter-Terrorist as the AML, CFT and PFWMD program is a program that is
Financing, and Counter-Proliferation Financing of Weapons implemented on an ongoing basis in order to fulfill obligations
of Mass Destruction/AML, CFT, and CPF ) merupakan program based on the following provisions:
yang dilaksanakan secara berkesinambungan dalam rangka
pemenuhan kewajiban berdasarkan ketentuan:
1. Undang-Undang Republik Indonesia Nomor 8 Tahun 1. Law of the Republic of Indonesia Number 8 of 2010 dated
2010 tanggal 22 Oktober 2010 tentang Pencegahan dan October 22, 2010, concerning the Prevention and Eradication
Pemberantasan Tindak Pidana Pencucian Uang (UU PP TPPU); of the Crime of Money Laundering (UU PP TPPU);
2. Undang-Undang Republik Indonesia Nomor 9 Tahun 2. Law of the Republic of Indonesia Number 9 of 2013 dated
2013 tanggal 13 Maret 2013 tentang Pencegahan dan March 13, 2013, concerning the Prevention and Eradication
Pemberantasan Tindak Pidana Pendanaan Terorisme (UU PP of the Financing of Terrorism (UU PP TPPT);
TPPT);
3. Peraturan Otoritas Jasa Keuangan (POJK) Nomor 8 Tahun 3. OJK Regulation Number 8 of 2023 dated June 14, 2023
2023 tanggal 14 Juni 2023 tentang Penerapan Program Anti concerning the Implementation of Anti-Money Laundering
Pencucian Uang, Pencegahan Pendanaan Terorisme, dan Programs, Prevention of Terrorism Financing, and Prevention
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Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal of Financing of Proliferation of Weapons of Mass Destruction
di Sektor Jasa Keuangan (POJK APU, PPT dan PPPSPM); in the Financial Services Sector (POJK APU, PPT dan PPPSPM);
4. Surat Edaran Otoritas Jasa Keuangan (SEOJK) Nomor 32/ 4. OJK Circular Letter Number 32/SEOJK.03/2017 dated June
SEOJK.03/2017 Tanggal 22 Juni 2017 tentang Penerapan 22, 2017, concerning the Implementation of Anti-Money
Program Anti Pencucian Uang dan Pencegahan Pendanaan Laundering and Prevention of Terrorism Financing Programs
Terorisme di Sektor Perbankan; in the Banking Sector;
5. Surat Edaran Otoritas Jasa Keuangan (SEOJK) Nomor 37/ 5. OJK Circular Letter Number 37/SEOJK.05/2017 dated July
SEOJK.05/2017 Tanggal 17 Juli 2017 tentang Penerapan 17, 2017 concerning the Implementation of Anti-Money
Program Anti Pencucian Uang dan Pencegahan Pendanaan Laundering and Prevention of Terrorism Financing Programs
Terorisme di Industri Keuangan Non Bank; in the Non-Bank Financial Industry;
6. Surat Edaran Otoritas Jasa Keuangan (SEOJK) Nomor 47/ 6. OJK Circular Letter Number 47/SEOJK.04/2017 dated
SEOJK.04/2017 Tanggal 6 September 2017 tentang September 6, 2017 concerning the Implementation of Anti-
Penerapan Program Anti Pencucian Uang dan Pencegahan Money Laundering and Prevention of Terrorism Financing
Pendanaan Terorisme di Sektor Pasar Modal; Programs in the Capital Markets Sector;
7. Surat Keputusan Direksi PT. Bank Pembangunan Daerah Jawa 7. Decree of the Board of Directors of PT. Bank Pembangunan
Barat dan Banten, Tbk. Nomor 0484/SK/DIR-KAP/2023 tanggal Daerah Jawa Barat dan Banten, Tbk. Number 0484/SK/
30 November 2023 tentang Kebijakan Penerapan Program DIR-KAP/2023 dated November 30, 2023, concerning
Anti Pencucian Uang, Pencegahan Pendanaan Terorisme, dan Policy on the Implementation of Anti-Money Laundering
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal Programs, Prevention of Terrorism Financing, and Prevention
di Sektor Jasa Keuangan (Kebijakan Program Penerapan APU, of Financing for the Proliferation of Weapons of Mass
PPT dan PPPSPM); Destruction in the Financial Services Sector (AML, CFT and
PPPSPM Implementation Program Policy);
8. Surat Keputusan Direksi PT Bank Pembangunan Daerah Jawa 8. Decree of the Board of Directors of PT Bank Pembangunan
Barat dan Banten, Tbk., Nomor 0499/SK/DIR-KAP/2023 tanggal Daerah Jawa Barat dan Banten, Tbk., Number 0499/SK/DIR-
13 Desember 2023 tentang Standar Operasional Prosedur KAP/2023 dated December 13, 2023, concerning Standard
Penerapan Program Anti Pencucian Uang, Pencegahan Operating Procedures for the Implementation of Anti-Money
Pendanaan Terorisme dan Pencegahan Pendanaan Proliferasi Laundering Programs, Prevention of Terrorism Financing and
Senjata Pemusnah Massal (SOP Program Penerapan APU, PPT Prevention of Financing of Weapons of Mass Destruction
dan PPPSPM); Proliferation (SOP for AML, CFT, and PPPSPM Implementation
Programs);
9. Surat Keputusan Divisi PT Bank Pembangunan Daerah Jawa 9. Decree of the Division of PT Bank Pembangunan Daerah
Barat dan Banten, Tbk., Nomor 005/SK/KAP-PPA/2023 tanggal Jawa Barat dan Banten, Tbk., Number 005/SK/KAP-PPA/2023
26 September 2023 tentang Petunjuk Teknis Penerapan dated September 26, 2023, concerning technical Guidelines
Program Anti Pencucian Uang, Pencegahan Pendanaan for the Implementation of Anti-Money Laundering Programs,
Terorisme dan Pencegahan Pendanaan Proliferasi Senjata Prevention of Terrorism Financing and Prevention of Financing
Pemusnah Massal di Unit Kerja (Juknis Penerapan Program of Weapons of Mass Destruction Proliferation in work Units
APU, PPT, dan PPPSPM di Unit Kerja); dan (Technical Guidelines for the Implementation of AML, CFT
and PPPSPM in Work Units); and
10. Surat Keputusan Divisi PT Bank Pembangunan Daerah Jawa 10. Decree of the Division of PT Bank Pembangunan Daerah Jawa
Barat dan Banten, Tbk., Nomor 004/SK/KAP-PPA/2021 tanggal Barat and Banten, Tbk., Number 004/SK/KAP-PPA/2021 dated
29 September 2021 tentang Petunjuk Teknis Penerapan September 29, 2021 concerning Technical Guidelines for the
Program Anti Pencucian Uang dan Pencegahan Pendanaan Implementation of Anti-Money Laundering and Prevention of
Terorisme di Kantor Pusat (Juknis Penerapan Program APU Terrorism Financing Programs at the Head Office.
PPT di Kantor Pusat).
Selama Tahun 2023, sebagai komitmen perseroan dalam Throughout 2023, as the Company’s commitment to supporting
mendukung Program APU, PPT dan PPPSPM nasional dan dalam the national AML, CFT and PFWMD Program and to improve the
rangka meningkatkan efektivitas penerapan program APU, PPT effectiveness of the implementation of the AML, CFT and PFWMD
dan PPPSPM telah dilakukan hal-hal sebagai berikut: program, the following things have been done:
1. Melakukan pemantauan transaksi-transaksi Keuangan untuk 1. Monitoring financial transactions to conduct a more in-depth
dilakukan analisis lebih mendalam terhadap potensi terjadinya analysis of the potential for Suspicious Financial Transactions
Transaksi Keuangan Mencurigakan; to occur;
2. Melakukan Pelaporan Transaksi Keuangan Mencurigakan 2. Reporting Suspicious Financial Transactions (LTKM) to the
(LTKM) kepada Pusat Pelaporan dan Analisis Transaksi Financial Transaction Reports and Analysis Center (PPATK);
Keuangan (PPATK);
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3. Melakukan Pelaporan Transaksi Keuangan Tunai (LTKT) 3. Reporting Cash Financial Transactions (LTKT) to the Financial
kepada Pusat Pelaporan dan Analisis Transaksi Keuangan Transaction Reports and Analysis Center (PPATK);
(PPATK);
4. Melakukan Pelaporan Transaksi Transfer Dana Dari dan 4. Reporting Transfers of Funds from and To Overseas (LTKL)
Ke Luar Negeri (LTKL) kepada Pusat Pelaporan dan Analisis to the Financial Transaction Reports and Analysis Center
Transaksi Keuangan (PPATK); (PPATK);
5. Melakukan Pelaporan Sistem Informasi Pengguna Jasa 5. Reporting on the Integrated Service User Information System
Terpadu (SIPESAT) kepada Pusat Pelaporan dan Analisis (SIPESAT) to the Financial Transaction Reports and Analysis
Transaksi Keuangan (PPATK); Center (PPATK);
6. Menyampaikan data watchlist secara proaktif kepada 6. Proactively submitting watchlist data to PPATK to enrich
PPATK untuk memperkaya database watchlist yang dimiliki the watchlist database owned by PPATK in the SIPENDAR
oleh PPATK pada aplikasi SIPENDAR, serta melaksanakan application, as well as carrying out information enrichment if
pengayaan informasi apabila ditemukan profil data watchlist SIPENDAR’s watchlist data profile was found to be compatible
SIPENDAR yang memiliki kecocokan dengan nasabah/ with customer/service users at the Bank;
pengguna jasa di Bank;
7. Melakukan pemblokiran secara serta merta terhadap 7. Immediately blocking Bank service users who matched
pengguna jasa Bank yang memiliki kecocokan profil dengan profiles with DTTOT and funding actors for the proliferation of
DTTOT dan pelaku pendanaan proliferasi senjata pemusnah weapons of mass destruction, as well as submitting blocking
massal, serta menyampaikan laporan pemblokiran melalui reports through the SIGAP application, as well as submitting
aplikasi SIGAP, serta menyampaikan laporan nihil melalui zero reports through the SIGAP application if there was no
aplikasi SIGAP apabila tidak terdapat kecocokan data profil match between the profile data of Bank service users and
pengguna jasa Bank dengan DTTOT dan Pelaku pendanaan DTTOT and the perpetrators of funding the proliferation of
proliferasi senjata pemusnah massal; weapons of mass destruction;
8. Melakukan pemeliharaan dan pemantauan terhadap profil 8. Carrying out maintenance and monitoring of customer
nasabah dengan daftar-daftar orang maupun lembaga yang profiles with lists of people and institutions that must be
wajib dipantau berdasarkan database informasi dari otoritas monitored based on databases of information from the
yang berwenang baik nasional maupun internasional; competent authorities both nationally and internationally;
9. Melakukan pemantauan terhadap Nasabah yang dijadikan 9. Monitoring customers who are suspected or accused of
tersangka atau terdakwa suatu tindak pidana serta Daftar a criminal act as well as the list of suspects and suspected
Tersangka dan Terduga Teroris oleh pihak yang berwenang terrorists by the authorities as well as from the mass media or
maupun dari media massa atau berdasarkan informasi lainnya based on other information from official sources;
dari sumber yang resmi;
10. Melakukan koordinasi dengan pihak berwenang terkait 10. Coordinate with authorities related to Data Requests,
dengan Permintaan Data, Pemblokiran Rekening serta Account Blocking and Fund Confiscation about cases of
Penyitaan Dana berkenaan dengan kasus pencucian uang, money laundering and terrorism financing and Funding the
pendanaan terorisme dan Pendanaan Proliferasi Senjata Proliferation of Weapons of Mass Destruction;
Pemusnah Massal;
11. Melakukan kegiatan pemantauan terhadap pelaksanaan 11. Carrying out monitoring activities on the implementation of
pengkinian data nasabah oleh seluruh unit kerja dan cabang; updating customer data by all work units and branches;
12. Melakukan Pemantauan secara efektif terhadap Profil 12. Conducting effective monitoring of Customer Profiles and
dan Transaksi Nasabah dengan memantau pelaksanaan Transactions by monitoring the implementation of customer
pengelompokan nasabah sesuai dengan tingkat risiko grouping according to the level of risk of money laundering;
terjadinya pencucian uang;
13. Melakukan penyusunan dan penyampaian laporan penilaian 13. Preparing and submitting AML, CFT, PFWMD risk assessment
risiko APU, PPT dan PPPSPM setiap 1 (satu) tahun sekali; reports every 1 (one) year;
14. Melaksanakan rapat bersama Direksi dan Dewan Komisaris 14. Conducting joint meetings regarding the implementation of
secara berkala dengan materi pembahasan yang berkenaan the AML-CTF program with the Directors and the Board of
dengan penerapan program APU, PPT dan PPPSPM; Commissioners regularly;
15. Melakukan penyampaian Laporan Perpajakan Domestik 15. Submitting Domestic Tax Reports through the EOI portal to
melalui portal EOI kepada Direktorat Jenderal Pajak, serta the Directorate General of Tax, as well as International Tax
Laporan Perpajakan Internasional melalui portal SiPINA Reports through the SiPINA portal to the Financial Service
kepada Otoritas Jasa Keuangan (OJK); Authority (OJK);
16. Melakukan pemantauan penerapan program APU, PPT dan 16. Monitoring the implementation of the AML CFT program
PPPSPM pada Jasa Kustodian dan Wali Amanat serta pada in Custodian and Trustee Services as well as in the Financial
Unit Dana Pensiun Lembaga Keuangan (DPLK); Institution Pension Fund (DPLK) Unit;
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17. Melakukan pemenuhan pelaksanaan pembukaan hubungan 17. Accomplishing the implementation of the opening of the
usaha Perseroan dengan bank koresponden dari Luar Negeri Company’s business relationship with Foreign correspondent
dari aspek APU, PPT dan PPPSPM; banks from AML, CTF, and PFWMD aspects;
18. Melakukan pengkajian terhadap aktivitas dan produk 18. Conducting an assessment of banking activities and products
perbankan terkait dengan kewajiban penerapan program related to the obligation to implement the AML, CTF, and
APU, PPT dan PPPSPM sebelum aktivitas dan produk tersebut PFWMD program before the activities and products are
dijalankan; carried out;
19. Melakukan review ketentuan internal terkait penerapan 19. Reviewing internal provisions related to the implementation of
program APU, PPT dan PPPSPM secara berkala agar ketentuan the AML, CTF, and PFWMD program periodically so that the
internal yang berlaku telah sejalan dengan perkembangan applicable internal provisions are in line with the development
ketentuan eksternal maupun regulator; of both external provisions and regulators;
20. Melakukan Pemantauan dan rekomendasi terkait pendidikan 20. Monitoring and providing recommendations related to AML,
dan pelatihan APU, PPT dan PPPSPM terhadap karyawan CTF, and PFWMD education and training for the Company’s
Perseroan dalam rangka meningkatkan pemahaman, employees to increase understanding, awareness, and risk of
kewaspadaan serta risiko terhadap Tindak Pidana Pencucian Money Laundering and Terrorism Financing;
Uang dan Pendanaan Terorisme dan Pendanaan Proliferasi
Senjata Pemusnah Massal;
21. Memastikan Teknologi Informasi yang mendukung Penerapan 21. Ensuring that Information Technology that supports the
Program APU, PPT dan PPPSPM telah sejalan dan mencakup implementation of the AML, CTF, and PFWMD Program
perkembangan bisnis, produk serta layanan Bank dalam is in line with and includes the development of the Bank’s
hal ini pengembangan aplikasi bjb AMOLA (Anti Money business, products, and services, in this case, the development
Laundering). Selain itu, dilaksanakan penyesuaian aplikasi of the bjb AMOLA (Anti Money Laundering) application.
terhadap ketentuan regulator (penyesuaian pelaporan In addition, adjustments were made to the application to
goAML) sehingga penerapan APU, PPT dan PPPSPM menjadi regulatory provisions (adjustment to go AML reporting) so
lebih efektif dan sesuai ketentuan regulator; that the implementation of AML, CTF, and PFWMD becomes
more effective and follows regulatory requirements;
22. Melakukan koordinasi terkait pelaksanaan kebijakan 22. Coordinate the implementation of AML, CTF, and PFWMD
program APU, PPT dan PPPSPM pada unit kerja terkait yang program policies in related work units that deal directly with
berhubungan langsung dengan Nasabah yang didasarkan customers based on the results of assessing the risk level
atas hasil penilaian tingkat risiko unit kerja terkait terhadap of related work units regarding the potential for Money
potensi terjadinya Pencucian Uang dan Pendanaan Terorisme Laundering and Terrorism Financing and Funding for the
dan Pendanaan Proliferasi Senjata Pemusnah Massal; Proliferation of Weapons of Mass Destruction;
23. Melakukan koordinasi terkait pelaksanaan kebijakan program 23. Coordinate regarding the implementation of the AML,
APU, PPT dan PPPSPM pada Konglomerasi Keuangan bank CTF, and PFWMD program policy at the bank bjb Financial
bjb; Conglomeration;
24. Melakukan pengkajian dalam rangka memastikan penerapan 24. Conducting studies to ensure the implementation of AML,
APU, PPT dan PPPSPM telah dilaksanakan pada Produk CTF, and PFWMD has been implemented on New Activity
Aktivitas Baru (PAB) berdasarkan regulasi yang dikeluarkan Products (PAB) based on regulations issued by the Financial
oleh Otoritas Jasa Keuangan (OJK); Services Authority (OJK);
25. Melakukan Penilaian Indeks Efektivitas secara Nasional terkait 25. Conduct a National Effectiveness Index Assessment regarding
peran PPATK dalam Upaya Pencegahan dan Pemberantasan the role of PPATK in Efforts to Prevent and Eradicate Crimes
Tindak Pidana Pencucian uang (TPPU), Tindak Pidana of Money Laundering (TPPU), Terrorism Financing Crimes
Pendanaan Terorisme (TPPT) dan Pendanaan Proliferasi (TPPT) and Funding for the Proliferation of Weapons of Mass
Senjata Pemusnah Massal (PPSPM) Tahun 2023; Destruction (PFWMD) in 2023;
26. Mendukung PPATK dalam melakukan penilaian terhadap 26. Support PPATK in assessing the integrity of the Reporting
integritas Pihak Pelapor salah satunya bank bjb terhadap Party, one of which is bank bjb, regarding the effectiveness of
efektivitas Program APU, PPT, dan PPPSPM yang diterapkan the AML, CTF, and PFWMD programs implemented by filling
dengan cara melakukan pengisian kuesioner FIR on ML/ out the FIR on ML/TF questionnaire in 2023. The results of
TF tahun 2023. Hasil FIR on ML/TF akan menjadi tolok ukur the FIR on ML/TF will become a benchmark for PPATK and
bagi PPATK dan LPP terkait dalam merumuskan kebijakan LPP is involved in formulating risk-based guidance, supervision
pembinaan, pengawasan, dan pengaturan berbasis risiko and regulatory policies aimed at strengthening the AML,
yang ditujukan untuk penguatan sistem APU, PPT dan CTF, and PFWMD systems in banks in particular, as well as
PPPSPM di Bank khususnya, serta penguatan integritas sistem strengthening the integrity of the financial system nationally;
keuangan secara nasional; dan dan
Tahunan 2023
1012 Laporan
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27. Mendukung OJK dalam penyusunan Penilaian Risiko/Sectoral 27. Support OJK in preparing the Risk Assessment/Sectoral
Risk Assessment Tindak Pidana Pencucian Uang, Tindak Pidana Risk Assessment for Money Laundering Crimes, Terrorism
Pendanaan Terorisme dan Pendanaan Proliferasi Senjata Financing Crimes and Funding for the Proliferation of
Pemusnah Massal di Sektor Jasa Keuangan (SRA TPPU/TPPT/ Weapons of Mass Destruction in the Financial Services Sector
PPSPM SJK) Tahun 2023 dengan cara melakukan pengisian (SRA TPPU/TPPT/PPSPM SJK) in 2023 by completing the
kuesioner Sectoral Risk Assessment (SRA) Tahun 2023. Sectoral Risk Assessment (SRA) questionnaire ) in 2023.
Adapun Statistik pelaksanaan Program APU, PPT dan PPPSPM As for the statistics on the implementation of the AML, CTF, and
yang dilaksanakan oleh bank bjb selama Tahun 2023, dapat kami PFWMD Program carried out by bank bjb during 2022, it can be
sampaikan sebagai berikut: conveyed as follows:
Aktivitas Jumlah Satuan
No
Activities Total Unit
Laporan Transaksi Keuangan Mencurigakan (LTKM) Laporan
1 257
Suspicious Transaction Report (STR) Reports
Laporan Transaksi Keuangan Tunai (LTKT) Laporan
2 7.308
Cash Transaction Report (CTR) Reports
Laporan Transaksi Keuangan Transfer Dana dari dan ke Luar Negeri (LTKL) Laporan
3 1.378
International Fund Transfer Instruction Report (IFTI) Reports
Laporan SIPESAT (Sistem Informasi Pengguna Jasa Terpadu) Data CIF
4 471.830
SIPESAT Report CIF Data
Korespondensi dengan pihak yang berwenang Kali
5 8.440
Correspondence with authorized party Time
Pengkajian aspek APU, PPT dan PPPSPM terkait Kebijakan dan Prosedur Bank Kajian
6 166
Implementation of AML, CFT & CPF related to intern policy and procedures Reviews
Validasi aspek APU, PPT dan PPPSPM terkait aktivitas dan produk Baru Bank Validasi
7 11
Implementation of AML, CFT & CPF related to new activities and product Validation
Pelaksanaan APU, PPT dan PPPSPM terkait bank koresponden Kali
8 14
Implementation of AML, CFT & CPF related to correspondence bank Time
Jumlah pegawai yang mengikuti pelatihan APU, PPT dan PPPSPM Pegawai
9 2.084
number of employees participating in AML, CFT & CPF Training Employees
Perkara Hukum Important Case
Jumlah perkara hukum yang dihadapi bank bjb selama tahun The number of legal cases/lawsuit faced by bank bjb during 2023
2023 adalah sebagai berikut. is as follows.
Tabel Perkara hukum
Table of Legal Cases
Jumlah
Total
Perkara Hukum
No.
Legal Cases
Perdata Pidana
Civil Criminal
Telah Selesai (telah mempunyai kekuatan hukum yang tetap)
1. 47 152*
Completed (has permanent legal force)
Dalam proses penyelesaian
2. 40 37
In the process of completion
Total 87 189
*) Total Penanganan Perkara : Seluruh penanganan perkara yang ditangani pada tahun 2023.
*) Jumlah kasus selesai pada tahap penyelidikan dan penyidikan diasumsikan ketika tidak ada pemanggilan pemeriksaan selama 3 bulan dan/atau dikeluarkannya surat perintah
penghentian penyidikan (SP3) dan/atau telah memiliki putusan berkekuatan hukum tetap (inkracht van gewijsde)
*) Total Case Handling: All cases handled in 2023.
*) The number of cases completed at the inquiry and investigation stage is assumed to be when there has been no summons for examination for 3 months and/or an order to stop
the investigation (SP3) has been issued and/or a decision has permanent legal force (inkracht van gewijsde)
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1013
Page 505
TATA KELOLA
PERUSAHAAN
Jumlah kasus selesai pada tahap penyelidikan dan penyidikan The number of cases completed at the inquiry and investigation
diasumsikan ketika tidak ada pemanggilan pemeriksaan selama stage is assumed to be when there has been no summons for an
3 bulan dan/atau dikeluarkannya surat perintah penghentian examination for 3 months and/or an order to stop the investigation
penyidikan (SP3) dan/atau telah memiliki putusan berkekuatan (SP3) has been issued and/or a decision has permanent legal force
hukum tetap (inkracht van gewij.sde) (inkracht van gewij.sde).
Perkara Hukum yang Dihadapi Perusahaan Legal Matters Faced by the Company
Tabel Perkara Hukum yang Dihadapi Perusahaan
Table of Legal Cases Faced by the Company
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
1 Kantor: Proses Kasasi Gugatan materil - -
Cabang Pandeglang Rp. 500.000.000,-
Jenis:
Gugatan Perbuatan Melawan Hukum
No. Perkara:
20/Pdt.G/2021/PN.pdl
Yurisdiksi:
Pengadilan Negeri Pandeglang
Tgl Registrasi:
13 September 2021
Branch Office : Cassation Process Material Claim - -
Pandeglang Rp. 500.000.000,-
Type :
Lawsuit against the law
Case Number :
20/Pdt.G/2021/PN.pdl
Jurisdiction :
Pandeglang District Court
Date of Registration :
September 13, 2021
2 Kantor: Akan dilakukan eksekusi Tidak Ada - -
Cabang Suci lelang terhadap objek
Jenis: agunan yang berada di Kredit
Gugatan PKPU Batam Rp. 9.774.226.776
No. Perkara:
46/Pdt.Sus-Pailit/2021/PN.Niaga.Jkt .Pst
Yurisdiksi:
Pengadilan Niaga pada Pengadilan Negeri Jakarta Pusat
tgl Registrasi:
*N/A
Branch Office : Auction execution will be None - -
Suci carried out on collateral
Type : objects located in Batam Credit
Lawsuit for Postponement of Debt Payment Obligations Rp. 9.774.226.776
Case Number:
46/Pdt.Sus-Pailit/2021/PN.Niaga.Jkt .Pst
Jurisdiction :
Commercial Court at the Central Jakarta District Court
Date of Registration:
*N/A
Tahunan 2023
1014 Laporan
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Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
3 Kantor Cabang: Pemberesan kepailitan Tidak Ada - -
Daan Mogot atas lelang milik istkara
Jenis: karya Plafond kredit Rp.
Gugatan PKPU 66.500.000.000,-
No Perkara: 26/Pdt-Sus-PembatalanPerdamaian/2022/ Tunggakan pokok
PN-Niaga-.Jkt.Pst jo nomor 23/Pdt-Sus-PKPU/2012/PN- Rp. 36.350.093.775,-
Niaga-.Jkt.Pst Tunggakan bunga
Yurisdiksi: Rp. 57.746.757.480,-
Pengadilan Niaga pada Pengadilan Negeri Jakarta Pusat Denda Rp.
Tgl Registrasi: 14.633.063.079,-
*N/A Total Tagihan Kredit
Rp. 108.729.914.334,-
Branch Office: Bankruptcy settlement of None - -
Daan Mogot auctions owned by istkara
Type : karya Credit ceiling Rp.
Lawsuit for Postponement of Debt Payment Obligations 66.500.000.000,-
Case Number: 26/Pdt-Sus-PembatalanPerdamaian/2022/ Principal arrears Rp.
PN-Niaga-.Jkt.Pst jo nomor 23/Pdt-Sus-PKPU/2012/PN- 36.350.093.775,-
Niaga-.Jkt.Pst Interest arrears Rp.
Jurisdiction : 57.746.757.480,-
Commercial Court at the Central Jakarta District Court Fine Rp.
Date of Registration: 14.633.063.079,-
*N/A Total Credit Bill Rp.
108.729.914.334,-
4 Kantor Cabang: Pada tanggal 21 Tidak Ada - -
Cabang Karawang Desember 2023 Sidang
Jenis: dengan agenda putusan Kredit
Gugatan Wanprestasi sela (Ecourt) yang isi Rp. 4.580.000.000
No. Perkara: putusannya menolak
453/Pdt.G/2022/PN.Bdg Eksepsi Turut Tergugat
Yurisdiksi: sehingga sidang dilanjut
Pengadilan Negeri Bandung pada tanggal 11 Januari
Tgl Registrasi: 2024
6 Oktober 2022
Branch Office : On December 21, 2023, None - -
Karawang the hearing with the
Type : agenda of interlocutory Credit
Default Lawsuit judgment (Ecourt) Rp. 4.580.000.000
Case Number: whose decision rejects
453/Pdt.G/2022/PN.Bdg the Defendant’s Joint
Jurisdiction : Exception so that the
Bandung District Court hearing continues on
Date of Registration: January 11, 2024.
October 6, 2022
5 Kantor Cabang: menunggu putusan Tidak ada - -
Pekanbaru banding
Jenis: terdapat tuntutan
Gugatan Ingkar Janji (Wanprestasi) secara tanggung
No. Perkara: renteng kepada Wahyu
597/Pdt.G/2020/PN.Jkt.Tim Setyo dan CV Kirana
Yurisdiksi: untuk kerugian materil
Pengadilan Negeri Jakarta Timur Rp. 2.158.835.694,-
Tgl Registrasi: terkait perjanjian
6 September 2022 kerjasama
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1015
Page 507
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
Branch Office : Awaiting appeal verdict None - -
Pekanbaru
Type : there are claims
Default Lawsuit jointly to Wahyu
Case Number : Setyo and CV Kirana
597/Pdt.G/2020/PN.Jkt.Tim dor material losses of
Jurisdiction : Rp. 2.158.835.694,-
East Jakarta District Court related to the
Date of Registration : cooperation agreement
September 6, 2022
6 Unit: Proses Kasasi Kerugian materil - -
Divisi Corporate Seccretary - YKP Rp 42,595,500,-
Jenis: pertanggal 31 Januari
Gugatan PMH 2022 sampai dengan
No Perkara: habis masa perjanjian
74/PDT.G/2022/PN.BDG kerja tgl 1 April 2023
Yurisdiksi: dikali Rp 2,839,700
Pengadilan Negeri Bandung Kerugian imateriil
Tgl Registrasi: Rp 50.000.000.000
14 Februari 2022
melakukan sita jaminan
terhadap bangunan
YKP bank bjb
Unit : Cassation Process Material loss of Rp - -
Corporate Secretary Division - YKP 42,595,500,- per
Type : January 31, 2022,
Lawsuit against the law until the end of the
Case Number : work agreement
74/PDT.G/2022/PN.BDG on April 1, 2023,
Jurisdiction : multiplied by
Bandung District Court Rp 2,839,700
Date of Registration: Immaterial loss
February 14, 2022 Rp 50.000.000.000
confiscate collateral for
YKP bank bjb building
7 Kantor Cabang: Proses Kasasi Tidak ada - -
Soreang
Jenis: Kredit
Gugatan Perlawanan Rp. 2.500.000.000
No. Perkara:
259/Pdt.G/2020/PN Bale Bdg
Yurisdiksi:
Pengadilan Negeri Bale Bandung
Tgl Registrasi:
29 November 2022
Branch Office : Cassation Process None - -
Soreang
Type : Credit
Resistance Lawsuit Rp. 2.500.000.000
Case Number :
259/Pdt.G/2020/PN Bale Bdg
Jurisdiction :
Bale Bandung District Court
Date of Registration:
November 29, 2022
Tahunan 2023
1016 Laporan
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Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
8 Kantor Cabang: menunggu jawaban Tidak Ada - -
Kebayoran Baru kurator terkait surat yang
Jenis: klarifikasi/ konfirmasi
Kepailitan PT. Sekar Artha Sentosa dari KC Kebayoran
No. Perkara: Baru perihal status unit
320/Pdt.Sus-PKPU/2022/PN.Niaga.Jkt.Pst apartemen yang sedang
Yurisdiksi: dibiayai oleh bank bjb a.n
Pengadilan Niaga pada PN Jakarta Pusat Yusfi apakah termasuk
boedel pailit atau bukan
Branch Office : Awaiting the curator’s None - -
Kebayoran Baru answer regarding a
Type : letter of clarification/
Bankruptcy of PT. Sekar Artha Sentosa confirmation from KC
Case Number : Kebayoran baru regarding
320/Pdt.Sus-PKPU/2022/PN.Niaga.Jkt.Pst the status of apartment
Jurisdiction : units that are being
Pengadilan Niaga pada PN Jakarta Pusat financed by bank bjb on
behalf of Yusfi whether
they are bankrupt or not
9 Kantor Cabang: Homologasi Tidak ada - -
Kebayoran Baru
Jenis: Kredit
Gugatan PKPU Rp. 40.000.000.000
No. Perkara:
91/Pdt.Sus-PKPU/2022/PN .Niaga.Sby
Yurisdiksi:
Pengadilan Niaga Surabaya
Tgl Registrasi:
27 Januari 2023
Branch Office : Homologation None - -
Kebayoran Baru
Type : Credit
Lawsuit for Postponement of Debt Payment Obligations Rp. 40.000.000.000
Case Number :
91/Pdt.Sus-PKPU/2022/PN .Niaga.Sby
Jurisdiction :
Surabaya Commercial Court
Date of Registration:
January 27, 2023
10 Kantor Cabang: Kebayoran baru dan/atau bank bjb Proses Kasasi 1. Menghukum - -
Kantor Wilayah II Tergugat II
Jenis: (bjb) untuk
Gugatan perbuatan melawan hukum oleh BLU BAKTI mengembalikan
dan bank bjb sebagai Turut Tergugat II uang sisa eksekusi
No. Perkara: pencairan
767/Pdt.G/2021/ sejumlah Rp.
PN.Jkt. Utr 126.494.237.582,-.
Yurisdiksi: 2. Menghukum
Pengadilan Negeri Jakarta Utara Tergugat II
Tingkat: Banding (bjb) untuk
membayar ganti
rugi sebesar Rp.
597.326.832.325,-.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1017
Page 509
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
Branch Office : Cassation Process 1. Punish the Co- - -
Kebayoran baru and/or bank bjb Regional Office II defendant (bjb) to
Type : return the remaining
Lawsuit against the law by BLU BAKTI and bank bjb as money for the
Co-Defendant II disbursement
Case Number : execution of Rp.
767/Pdt.G/2021/PN.Jkt. Utr 126.494.237.582,-.
Jurisdiction : 2. Punish the
North Jakarta District Court Co-defendant
Level: (bjb) to pay
Appeal compensation of Rp.
597.326.832.325,-.
11 Kantor Cabang: Proses Kasasi 1. Menghukum - -
Kebayoran baru dan/atau bank bjb Kantor Wilayah II Tergugat II
Jenis: (bjb) untuk
Gugatan perbuatan melawan hukum oleh BLU BAKTI mengembalikan
dan bank bjb sebagai Turut Tergugat II uang sisa eksekusi
No. Perkara: pencairan
768/Pdt.G/2021/PN.Jkt. Utr sejumlah Rp.
Yurisdiksi: 126.494.237.582,-.
Pengadilan Negeri Jakarta utara 2. Menghukum
Tergugat II
(bjb) untuk
membayar ganti
rugi sebesar Rp.
597.326.832.325,-.
Branch Office : Cassation Process 1. Punish the Co- - -
Kebayoran baru and/or bank bjb Regional Office II defendant (bjb) to
Type : return the remaining
Lawsuit against the law by BLU BAKTI and bank bjb as money for the
Co-Defendant II disbursement
Case Number : execution of Rp.
768/Pdt.G/2021/PN.Jkt. Utr 126.494.237.582,-.
Jurisdiction : 2. Punish the
North Jakarta District Court Co-defendant
(bjb) to pay
compensation of Rp.
597.326.832.325,-.
12 Kantor Cabang: Proses banding 1. Menghukum - -
Kebayoran baru dan/atau bank bjb Kantor Wilayah II Tergugat II
Jenis: (bjb) untuk
Gugatan perbuatan melawan hukum mengembalikan
No. Perkara: uang sisa eksekusi
1090/Pdt.G/2021/PN.Jkt.Brt pencairan
Yurisdiksi: sejumlah Rp.
Pengadilan Negeri Jakarta Barat 126.494.237.582,-.
Tgl Registrasi: 2. Menghukum
21 Desember 2021 Tergugat II
(bjb) untuk
membayar ganti
rugi sebesar Rp.
597.326.832.325,-.
Tahunan 2023
1018 Laporan
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Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
12 Branch Office : Appeals Process 1. Punish the Co- - -
Kebayoran baru and/or bank bjb Regional Office II defendant (bjb) to
Type : return the remaining
Lawsuit against the law money for the
Case Number : disbursement
1090/Pdt.G/2021/PN.Jkt.Brt execution of Rp.
Jurisdiction : 126.494.237.582,-.
West Jakarta District Court 2. Punish the
Date of Registration: Co-defendant
December 21, 2021 (bjb) to pay
compensation of Rp.
597.326.832.325,-.
13 Kantor Cabang: rapat kreditor Tidak ada, namun - -
KC Daan Mogot jaminan yang terikat
Jenis: pada kredit PT Ciremai
PKPU Putra Mandiri an. Dziki
No Perkara: Dzikrullah
62/Pdt.Sus-PKPU/2023/PN.Niaga.Jkt.Pst
Yurisdiksi: Nilai Agunan a.n.
Pengadilan Negeri Jakarta Pusat Dziki Dzikrullah Rp.
Tgl Registrasi: 7.001.800.000
16 Maret 2023
Branch Office : Creditors meeting None, however, of - -
Daan Mogot the collateral tied
Type : to the credit of PT
Lawsuit for Postponement of Debt Payment Obligations Ciremai Putra Mandiri
Case Number : on behalf of Dziki
62/Pdt.Sus-PKPU/2023/PN.Niaga.Jkt.Pst Dzkirullah
Jurisdiction :
central Jakarta district court collateral value
Date of Registration: on behalf of Dziki
March 16, 2023 Dzikrullah Rp.
7.001.800.000
14 Kantor Cabang: Proses kasasi 1. Menghukum - -
Kebayoran baru dan/atau bank bjb Kantor Wilayah II Tergugat II
Jenis: (bjb) untuk
Gugatan perbuatan melawan hukum mengembalikan
No. Perkara: uang sisa eksekusi
1091/Pdt.G/2021/PN.Jkt.Brt pencairan
Yurisdiksi: sejumlah Rp.
Pengadilan Negeri Jakarta Barat 126.494.237.582,-.
Tgl Registrasi: 2. Menghukum
21 Desember 2021 Tergugat II
(bjb) untuk
membayar ganti
rugi sebesar Rp.
597.326.832.325,-.
Branch Office : Cassation Process 1. Punish the Co- - -
Kebayoran baru and/or bank bjb Regional Office II defendant (bjb) to
Type : return the remaining
Lawsuit against the law money for the
Case Number : disbursement
1091/Pdt.G/2021/PN.Jkt.Brt execution of Rp.
Jurisdiction : 126.494.237.582,-.
West Jakarta District Court 2. Punish the
Date of Registration: Co-defendant
December 21, 2021 (bjb) to pay
compensation of Rp.
597.326.832.325,-.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1019
Page 511
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
15 Kantor Cabang: Proses banding Tidak ada - -
Daan Mogot
Jenis:
Gugatan PMH
No. Perkara:
89/Pdt.G/2022/PN.BGR
Yurisdiksi:
Pengadilan Negeri Bogor
Tgl Registrasi:
22 Juni 2022
Branch Office : Appeal process None - -
Daan Mogot
Type :
Lawsuit against the law
Case Number :
89/Pdt.G/2022/PN.BGR
Jurisdiction :
Bogor District Court
Date of Registration:
June 22, 2022
16 Kantor Cabang: Proses kasasi Tidak ada - -
Tangerang
Jenis:
Perlawanan
No Perkara: 969/PDT.PLW/2018/PN.Tng jo 258/
PDT/2022/PT.BTN
Tanggal Perkara:
20 Juni 2023
Yurisdiksi:
Pengadilan Tangerang
Branch Office: Cassation Process None - -
Tangerang
Tyoe :
Resistance
Case Number:
969/PDT.PLW/2018/PN.Tng jo 258/PDT/2022/PT.BTN
Date of Registration:
June 20, 2023
Jurisdiction:
Tangerang Court
17 Kantor Cabang: Pembuktian Tidak ada - -
Jatinangor
Jenis: Nilai Agunan
Perbuatan Melawan Hukum Rp. 2.250.000.000,-
No Perkara: Kredit
269/Pdt.G/2023/Pn Bdg Rp. 1.5000.000.000,-
Tanggal Perkara:
12 Juli 2023
Yurisdiksi:
Pengadilan Bandung
Tahunan 2023
1020 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 512
CORPORATE
GOVERNANCE
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
Branch Office : Verification None - -
Jatinangor
Type : Collateral value
Lawsuit against the law Rp. 2.250.000.000,-
Case Number: Credit
269/Pdt.G/2023/Pn Bdg Rp. 1.5000.000.000,-
Date of Registration:
July 12, 2023
Jurisdiction:
Bandung Court
18 Kantor Cabang: Menunggu putusan Tidak ada - -
Tamansari
Jenis:
Wanprestasi
No Perkara:
135/Pdt.G/2023/Pn blb
Tanggal Perkara:
06 Juli 2023
Yurisdiksi:
Pengadilan Bale Bandung
Branch Office Awaiting verdict None - -
Tamansari
Type :
Default
Case Number:
135/Pdt.G/2023/Pn blb
Date of Registration:
July 06, 2023
Jurisdiction:
Bale Bandung Court
19 Kantor Cabang: Proses Kasasi Pokok Petitum: - -
Tasikmalaya Menangguhkan dan/
Jenis: atau menghentikan
PMH pelaksanaan eksekusi
No. Perkara: obyek jaminan
349/Pdt/2023/PT.Bdg. Jo. 81/Pdt.Bth/2022/PN.TSM
Yurisdiksi:
Pengadilan Tinggi Jawa barat
Tgl Registrasi:
9 Mei 2023
Branch Office : Cassation Process Subject of Petition: - -
Tasikmalaya suspend and/ or stop
Type : the execution of
Lawsuit against the law collateral objects
Case Number :
349/Pdt/2023/PT.Bdg. Jo. 81/Pdt.Bth/2022/PN.TSM
Jurisdiction :
West Java Supreme Court
Date of Registration:
May 9, 2023
20 Kantor Cabang Khusus: Telah dilakukan sidang Pencairan uang - -
Balikpapan pada tanggal 21 pertanggungan sebesar
Jenis: Desember 2023 dengan Rp. 997.916.000,
Perdata (Wan Prestasi) agenda penyerahan bukti (sembilan ratus
No. Perkara: dari Penggugat. sembilan puluh tujuh
574/Pdt.G/2023/PN.Jkt.Sel juta sembilan ratus
Yurisdiksi: enam belas ribu
Pengadilan Negeri Jakarta Selatan rupiah).
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1021
Page 513
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
Special Branch Office: A hearing has been held Disbursement of the - -
Balikpapan on December 21, 2023, sum insured amounted
Type : with the agenda of to Rp. 997.916.000,
Civil (Default) submitting evidence from (nine hundred
Case Number : the Plaintiff. ninety-seven million
574/Pdt.G/2023/PN.Jkt.Sel nine hundred sixteen
Jurisdiction : thousand rupiah).
South Jakarta District Court
21 Kantor Cabang: Proses Kasasi 1. Menghukum - -
Kebayoran baru dan/atau bank bjb Kantor Wilayah II Tergugat II
Jenis: (bjb) untuk
Gugatan perbuatan melawan hukum oleh BLU BAKTI mengembalikan
dan bank bjb sebagai Turut Tergugat II uang sisa eksekusi
No. Perkara: pencairan
796/Pdt.G/2021/PN.Jkt.Pst sejumlah Rp.
Yurisdiksi: 126.494.237.582,-.
Pengadilan Negeri Jakarta Pusat 2. Menghukum
Tergugat II
(bjb) untuk
membayar ganti
rugi sebesar Rp.
597.326.832.325,-.
Branch Office : Cassation Process 1. Punish the Co- - -
Kebayoran baru and/or bank bjb Regional Office II defendant (bjb) to
Type : return the remaining
Lawsuit against the law by BLU BAKTI and bank bjb as money for the
Co-Defendant II disbursement
Case Number : execution of Rp.
796/Pdt.G/2021/PN.Jkt.Pst 126.494.237.582,-.
Jurisdiction : 2. . Punish the
Central Jakarta district court Co-defendant
(bjb) to pay
compensation of Rp.
597.326.832.325,-.
22 Kantor Cabang Khusus: Proses Peninjauan Tidak ada - -
Tangerang Selatan Kembali
Jenis: Outstanding kredit:
Gugatan Wanprestasi Rp.2.538.092.786,-
No. Perkara:
1341/Pdt.G/2021/PN.Tng
Yurisdiksi:
Pengadilan Negeri Tangerang
Kantor Cabang Khusus: Proses Peninjauan Tidak ada - -
Tangerang Selatan Kembali
Jenis: Outstanding kredit:
Gugatan Wanprestasi Rp.2.538.092.786,-
No. Perkara:
1341/Pdt.G/2021/PN.Tng
Yurisdiksi:
Pengadilan Negeri Tangerang
23 Kantor Cabang: Kesimpulan Kerugian Materil: - -
Padalarang Rp. 978.861.482,-
Jenis:
Gugatan Perbuatan Melawan Hukum Kerugian Imateril:
No. Perkara: Rp. 1.000.000.000,-
194/Pdt.G/2023/PN blb
Yurisdiksi: Nilai Hak Tanggugang
Pengadilan Negeri Bale Bandung Rp. 350.000.000,-
Tahunan 2023
1022 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 514
CORPORATE
GOVERNANCE
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
Special Branch Office : Conclusion Material loss: - -
South Tangerang Rp. 978.861.482,-
Type :
Default Lawsuit Immaterial loss:
Case Number : Rp. 1.000.000.000,-
1341/Pdt.G/2021/PN.Tng
Jurisdiction : Value of Liability Rp.
Tangerang District Court 350.000.000,-
24 Kantor Cabang: Pada tanggal 8 Tidak Ada - -
Cabang Cimahi Desember 2023 dengan
Jenis: agenda Pemeriksaan
Gugatan Perbuatan Melawan Hukum Setempat namun tidak
No. Perkara: dilaksanakan sehigga
190/Pdt.G/2022/PN.Blb sidang dilanjut pada
Yurisdiksi: tanggal 11 desember
Pengadilan Negeri Bale Bandung 2023 dengan agenda
Tgl Registrasi: saksi para tergugat
1 Agustus 2023 dan bukti tambahan
penggugat,Sidang
pada tanggal 18
Desember dengan
agenda bukti tambahan
dari Penggugat,sidang
dilanjut pada tanggal 27
Desember 2023 dengan
agenda keseimpulan (E
- Court)
Branch Office : On December 8, 2023, None - -
Cimahi with the agenda of the
Type : Local Examination but
Lawsuit against the law not held until the hearing
Case Number : continued on December
190/Pdt.G/2022/PN.Blb 11, 2023, with the
Jurisdiction : agenda of the defendants’
Bale Bandung District Court witnesses and additional
Date of Registraton: evidence of the plaintiffs,
August 1, 2023 The hearing on December
18 with the agenda of
additional evidence from
the Plaintiff, the hearing
continues on December
27, 2023 with the agenda
of conclusion (E-Court)
25 Kantor Cabang Khusus: Makassar bahwa telah dilakukan Membayar kerugian - -
Jenis: upload dokumen sebesar
Perdata (Perbuatan Melawan hukum) kesimpulan para pihak Rp. 542.550.000,-
No. Perkara: secara e-court pada (lima ratus empat
270/Pdt.G/2023/PN.Mks tanggal 5 Desember puluh dua juta lima
Yurisdiksi: 2023, dan menunggu ratus lima puluh ribu
Pengadilan Negeri Makassar putusan majelis hakim. rupiah)
Special Branch Office : that the parties’ Pay losses of - -
Makassar conclusion documents Rp. 542.550.000,- (five
Type : had been uploaded by hundred forty-two
Civil (Lawsuit against the law) e-court on December 5, million five hundred
Case Number : 2023, and waited for the fifty thousand rupiah)
270/Pdt.G/2023/PN.Mks decision of the panel of
Jurisdiction : judges.
Makassar District Court
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1023
Page 515
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
26 Kantor Cabang: Sukajadi Mediasi namun deadlock Kerugian Materil: - -
Jenis: dan akan dilanjutkan ke Rp. 4.700.000.000,-
Perdata (Perbuatan Melawan hukum) pokok perkara
No. Perkara: Nilai Hak Tanggungan:
397/Pdt.G/2023/PN.Bdg Rp. 1.601.400.000,-
Yurisdiksi:
Pengadilan Negeri Bandung
Branch Office: Mediation however Material Loss: - -
Sukajadi deadlock and will proceed Rp. 4.700.000.000,-
Type : to the subject matter
Civil (Lawsuit against the law) Value of Liability:
Case Number : Rp. 1.601.400.000,-
397/Pdt.G/2023/PN.Bdg
Jurisdiction :
Bandung District Court
27 Kantor Cabang: Persidangan tanggal 19 Pokok Petitum: - -
Kuningan Desember 2023 dengan Menyatakan batal
Jenis: agenda Pembuktian dan tidak mempunyai
Perbuatan Melawan Hukum Penggugat kekuatan hukum
No. Perkara: (buiten effect Stelen)
14/Pdt.G/2023/PN.Kng Agenda selanjutnya surat-surat yang
Yurisdiksi: Pembuktian dari Tergugat menyangkut obyek
Pengadilan Negeri Kuningan tanggal 03 Janurai 2023 sengketa yaitu Risalah
Tgl Registrasi: lelang a.n H.Udin
25 Agustus 2023
Branch Office : The hearing was held on The subject of Petition: - -
Kuningan December 19, 2023, with Declaring void and
Type: the agenda of Plaintiff’sunenforceable (buiten
Lawsuit against the law evidence effect Stelen) letters
Case Number : concerning the object
14/Pdt.G/2023/PN.Kng The next agenda Evidence of dispute, namely the
Jurisdiction : from Defendant dated minutes of auction on
Kuningan District Court January 3, 2023 behalf of Udin
Date of Registration:
August 25, 2023
28 Kantor Cabang: sidang tanggal 23 januari Kerugian materil: - -
Gajah Mada 2024 dengan agenda Rp. 2.128.703.985,-
Jenis: pemanggilan para pihak Kerugian immateril:
Gugatan Perbuatan Melawan Hukum Rp. 2.000.000.000,-
No. Perkara: Kerugian biaya
418/Pdt.G/2023/PN.Jkt.Tim pengurusan perkara:
Tgl Registrasi: Rp. 100.000.000,-
07 Agustus 2023
Yurisdiksi:
Pengadilan Negeri Jakarta Timur
Branch Office : The hearing was held Material Loss: - -
Gajah Mada on January 23, 2024, Rp. 2.128.703.985,-
Type : with the agenda of Immaterial Loss:
Lawsuit against the law summoning the parties Rp. 2.000.000.000,-
Case Number : Loss of case
418/Pdt.G/2023/PN.Jkt.Tim management costs:
Date of Registration : Rp. 100.000.000,-
August 07, 2023
Jurisdiction :
East Jakarta District Court
Tahunan 2023
1024 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 516
CORPORATE
GOVERNANCE
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
29 Kantor Cabang: Proses Banding Gugatan Materil: - -
Pandeglang 1.000.000.000, -
Jenis:
Gugatan Perbuatan Melawan Hukum oleh Cepi Sayfudin Plafond Kredit
No. Perkara: Rp. 8.000.000.000
8/Pdt.G/2022/PN.Pdl Sisa baki debet
Yurisdiksi: Rp.1.397.000.000 ,-
Pengadilan Negeri Pandeglang
Branch Office : Appeals Process Material Claim : - -
Pandeglang 1.000.000.000, -
Type :
Lawsuit Against the Law by Cepi Sayfudin Credit Ceiling
Case Number : Rp. 8.000.000.000
8/Pdt.G/2022/PN.Pdl Remaining
Jurisdiction : debit balance
Pandeglang District Court Rp.1.397.000.000 ,-
30 Kantor Cabang: sidang tanggal 21 Pembatalan PK dan - -
Cabang Rawamangun desember 2023 APHT
Jenis: dengan agenda duplik
Perbuatan Melawan Hukum para tergugat, sidang Baki debet dari
No. Perkara: selanjutnya tanggal 10 total 3 debitur: Rp.
794/PDT.G/2023/PN Jkt Sel januari 2024 dengan 18.893.671.127
Yurisdiksi: agenda bukti awal para
Pengadilan Negeri Jakarta Selatan pihak terkait eksepsi
kompetensi relatif
Branch Office: The hearing on December PK and APHT - -
Rawamangun 21, 2023, with the Cancellation
Type : agenda of the Defendant’s
Lawsuit Against the Law duplex, and the next Debit balance of total
Case Number : hearing on January 10, of 3 debtors:
794/PDT.G/2023/PN Jkt Sel 2024, with the agenda Rp. 18.893.671.127
Jurisdiction : of preliminary evidence
South Jakarta District Court of the parties related to
the exception of relative
competence
31 Kantor Cabang: Persidangan tanggal Pokok Petitum: - -
Sumber 27 Desember 2023 Menyatakan secara
Jenis: dengan agenda Replik hukum Eksekusi lelang
Perbuatan Melawan Hukum dari Penggugat melalui hak Tanggungan
No. Perkara: E Court terhadap sebidang
50/Pdt.G/2023/PN.Sbr (sampai batas waktu tanah sawah SHM
Yurisdiksi: uploud pukul 14.30 No. 01146 s tercatat
Pengadilan Negeri Sumber wib Penggugat belum atas nama Carab
Tgl Registrasi: mengupload Replik bin Haji Sobari tidak
25 Agustus 2023 melalui e court) mempunyai kekuatan
eksekutorial
Branch Office : The hearing on December Subject of Petition: - -
Sumber 27, 2023, with the Declaring legally
Type : agenda of the Plaintiff’s the execution of
Lawsuit Against the Law Replica through the the auction of the
Case Number : E-Court (As of the upload Dependent rights on
50/Pdt.G/2023/PN.Sbr deadline at 14.30 WIB the a piece of rice field
Jurisdiction : Plaintiff did not upload land SHM No. 01146 s
Sumber District Court the replica through recorded in the name
Date of Registration: e-court) of Carab bin Haji
August 25, 2023 Sobari did not have
executory power
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1025
Page 517
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
32 Kantor Cabang: Persidangan tanggal 21 Rp. 3.077.492.600,- - -
Indramayu Desember 2023 dengan
Jenis: agenda Penyampaian
Perbuatan Melawan Hukum replik dari penggugat
No. Perkara: mealalui e court
51/Pdt.G/2023/PN Idm sidang berikutnya duplik
Yurisdiksi: dari Tergugat tanggal 04
Pengadilan Negeri Indramayu Desember 2024
Tgl Registrasi:
02 Oktober 2023
Branch Office : The hearing on December Rp. 3.077.492.600,- - -
Indramayu 21, 2023, with the
Type : agenda of Submission of
Lawsuit Against the Law replicas from the plaintiff
Case Number : through e-court
51/Pdt.G/2023/PN Idm The next hearing of
Jurisdiction : the Defendant is on
Indramayu District Court December 4, 2024
Date of Registration:
October 2, 2023
33 Kantor Cabang: Mediasi namun deadlock Tidak ada, namun - -
KCK Banten dan akan dilanjutkan ke meminta pembatalan
Jenis: pokok perkara lelang sebesar
Gugatan PMH Rp.2.600.000.000
No Perkara:
69/Pdt.G/2023/PN.Gsk
Yurisdiksi:
Pengadilan Negeri Serang
Tgl Registrasi:
28 Maret 2023
Branch Office : did the mediation None, but asked - -
Banten however it deadlocked for the cancellation
Type : and proceeded to the of the auction of
Lawsuit Against the Law subject matter Rp.2.600.000.000
Case Number :
69/Pdt.G/2023/PN.Gsk
Jurisdiction :
Serang District Court
Date of Registration:
March 28, 2023
34 Kantor Cabang: Mediasi namun deadlock kerugian imateril: - -
Rasuna Said dan akan dilanjutkan ke Rp. 10.000.000.000,-
Jenis: pokok perkara
Gugatan PMH Nilai Hak Tanggungan:
No Perkara: Rp. 2.098.848.000
1003/Pdt.G/2023/PN Tng
Yurisdiksi:
Pengadilan Negeri Tangerang
Tgl Registrasi:
18 September 2023
Tahunan 2023
1026 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 518
CORPORATE
GOVERNANCE
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
Branch Office : did the mediation Immaterial Loss: - -
Rasuna Said however it deadlocked Rp. 10.000.000.000,-
Type : and proceeded to the
Lawsuit Against the Law subject matter Value of Liability:
Case Number : Rp. 2.098.848.000
1003/Pdt.G/2023/PN Tng
Jurisdiction :
Tangerang District Court
Date of Registration:
2023
35 Kantor Cabang: Menunggu putusan Penggugat mengakui - -
Medan dan menginginkan sisa
Jenis: kredit nya adalah Rp.
Gugatan Perbuatan Melawan Hukum 38.307.328,00-
No. Perkara: berdasarkan data dari
646/Pdt.G/2023/PN .Mdn bank bjb KC Medan
Yurisdiksi: bahwa sisa kreditnya
Pengadilan Negeri Medan adalah
Tgl Registrasi: Rp. 146.540.576.-
08 Agustus 2023
Branch Office : Waiting for the verdict The plaintiff admitted - -
Medan and wanted the
Type : remaining credit to be
Lawsuit Against the Law Rp. 38.307.328,00-
Case Number :
646/Pdt.G/2023/PN .Mdn Based on data from
Jurisdiction : bank bjb KC Medan,
Medan District Court the remaining credit
Date of Registration: was Rp. 146.540.576.-
August 08, 2023
36 Unit Kerja: Panggilan para pihak Tidak ada - -
KC Rawamangun
Jenis: Nilai Hak Tanggungan:
Gugatan Perlawanan Melawan Hukum - Sertipikat Hak
No. Perkara: Tanggungan (SHT)
930/Pdt.G/2023/PN.Jkt.Sel Nomor 01723/2020
Yurisdiksi: dengan Nilai Hak
Pengadilan Negeri Jakarta Selatan Tanggungan Rp.
15.899.500.000,-
- Sertipikat Hak
Tanggungan (SHT)
Nomor 01574/2020
dengan Nilai Hak
Tanggungan Rp.
13.865.000.000.-
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1027
Page 519
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
Branch Office: Calls of the parties None - -
Rawamangun
Type : Value of Dependent
Lawsuit Against the Law Rights:
Case Number : - Certificate of
930/Pdt.G/2023/PN.Jkt.Sel Dependent Rights
Jurisdiction : (SHT) Number
South Jakarta District Court 01723/2020 with
a Dependent
Rights value of Rp.
15.899.500.000,-
- Certificate of
Dependent Rights
(SHT) Number
01574/2020 with
a Dependent
Rights Value of Rp.
13.865.000.000.-
37 Unit Kerja: Mediasi Imateril: - -
KC Jatinangor Rp. 10.000.000.000,-
Jenis: Materil:
Gugatan Perlawanan Melawan Hukum Rp. 4.929.400.000,-
No. Perkara:
888/Pdt.G/2023/PN.Jkt. Sel
Yurisdiksi:
Pengadilan Negeri Jakarta Selatan
Branch Office: Mediation Immaterial: - -
Jatinangor Rp. 10.000.000.000,-
Type : Material:
Lawsuit Against the Law Rp. 4.929.400.000,-
Case Number :
888/Pdt.G/2023/PN.Jkt. Sel
Jurisdiction :
South Jakarta District Court
38 Unit Kerja: Verifikasi dan renvoi Tidak Ada - -
KC Karawang prosedur
Jenis: Kredit
PKPU Rp. 5.000.000.000
No. Perkara:
313/Pdt.Sus-PKPU/2023/Pn Niaga Jkt Pst
Yurisdiksi:
Pengadilan Niaga pada Negeri Jakarta Pusat
Branch Office: Verification and renvoi None - -
Karawang procedure
Type : Credit
Lawsuit for Postponement of Debt Payment Obligations Rp. 5.000.000.000
Case Number :
313/Pdt.Sus-PKPU/2023/Pn Niaga Jkt Pst
Jurisdiction :
Commercial Court in Central Jakarta District
Tahunan 2023
1028 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 520
CORPORATE
GOVERNANCE
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
39 Kantor Cabang: Persidangan tanggal 12 Pokok Petitum: - -
Patrol Desember 2023 dengan Menyatakan secara
Jenis: agenda Mediasi sebagai hukum Eksekusi lelang
Perbuatan Melawan Hukum berikut: hak Tanggungan
No. Perkara: - Penggugat terhadap sebidang
53/Pdt.G/2023/PN Idm menginginkan tanah sawah SHM
Yurisdiksi: pelunasan kredit No. 57 an atas nama
Pengadilan Negeri Indramayu dibulan Januari 2024 Romlah dan SHM No
Tgl Registrasi: dari hasil penjualan 57 an Sobari batal
18 Oktober 2023 aguanan demi hukum
- bank bjb
menyampaikan ada
pembayaran di bulan
Desember 2024
Sidang berikutnya tanggal
09 Januari 2023 dengan
Agenda Mediasi
Branch Office : The hearing was held on Subject of Petition: - -
Patrol December 12, 2023, with Declaring legally the
Type : the following Mediation execution of the
Lawsuit Against the Law agenda: auction of Dependent
Case Number : - The plaintiff wanted rights to a piece of rice
53/Pdt.G/2023/PN Idm repayment of the credit field land SHM No 57
Jurisdiction : in January 2024 from on behalf of Romlah
Indramayu District Court the proceeds of the and SHM No 57 on
Date of Registration: sale of collateral behalf of Sobari null
October 18, 2023 - bank bjb informed that and void
there will be payments
in December 2024
the next hearing was held
on January 9, 2023, with
a Mediation agenda
40 Kantor Cabang: Persidangan tanggal Pokok Petitum: - -
Ciamis 19 Desember 2023 Menyatakan secara
Jenis: dengan agenda Laporan hukum Eksekusi lelang
Perbuatan Melawan Hukum hasil Mediasi (tidak hak Tanggungan
No. Perkara: ada kesepakatan) dan terhadap sebidang
21/Pdt.G/2023/PN Cms Penyampaian Gugatan tanah SHGB No.
Yurisdiksi: Sidang berikutnya 01467 an Drs Deddy
Pengadilan Negeri Ciamis jawaban dari tergugat Supardan tidak sah dan
Tgl Registrasi: melalui e court tanggal 02 batal demi hukum &
17 Oktober 2023 Januari 2024 Menyatkan Perjanjian
Kredit berikut
turunannya tidak sah
dan tidak mempunyai
kekuatan hukum yang
mengikat
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1029
Page 521
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
Branch Office : The hearing on December Subject of Petition: - -
Ciamis 19, 2023, with the Declaring legally the
Tyoe : agenda of the mediation execution of the
Lawsuit Against the Law Report (no agreement) auction of Dependent
Case Number : and Submission of Claims rights on a piece of
21/Pdt.G/2023/PN Cms The next hearing is land SHGB NO 01467
Jurisdiction : the answer from the on behalf of Drs Deddy
Ciamis District Court defendant through 2, Supardan invalid and
Date of Registration: 2024 null and void & Binding
October 17, 2023 the Credit Agreement
and its derivatives
invalid and has no
binding legal force
41 Kantor Cabang: Persidangan tanggal 20 Pokok Petitum: - -
Banjar Desember 2023 dengan Menyatakan secara
Jenis: agenda Mediasi hukum Eksekusi lelang
Perbuatan Melawan Hukum Prinsipal Penggugat dan hak Tanggungan
No. Perkara: Tergugat 2 tidak hadir terhadap sebidang
23/Pdt.G/2023/PN Cms Hakim Mediator akan tanah sawah SHM No.
Yurisdiksi: mengundang kembali 79 an Agus Setiawan
Pengadilan Negeri Ciamis para pihak yang tidak batal demi hukum
Tgl Registrasi: hadir
20 Oktober 2023
Sidang selanjutnya
tanggal 02-01-2024
dengan agenda Mediasi
Branch Office : The hearing was held on Subject of Petition: - -
Banjar December 20, 2023, with declaring legally the
Type : the agenda of mediation execution of the
Lawsuit Against the Law The Principal Plaintiff and auction of Defendant
Case Number : Co-Defendant were not rights on a piece of
23/Pdt.G/2023/PN Cms present rice field SHM No.
Jurisdiction : 79 on behalf of Agus
Ciamis District Court The Mediator Judge Setiawan null and void
Date of Registration: invited back the absent
October 20, 2023 parties
The next hearing was
on 02-01-2024 with the
agenda of Mediation
42 Kantor Cabang: Persidangan tanggal 13 Pokok Petitum: - -
Kabupaten Tasikmalaya Desember 2023 dengan Mmembatalkan dan
Jenis: agenda Mediasi adapun menyatakan tidak sah
Perbuatan Melawan Hukum hasil Mediasi pertama secara hukum rencana
No. Perkara: sebagai berikut: Lelang Eksekusi Hak
24/Pdt.G/2023/PN Cms - Penggugat meminta Tanggungan terhadap
Yurisdiksi: agunan dijual SHM No. 01520 an
Pengadilan Negeri Ciamis bersama secara Hajjah Rini Haryati
Tgl Registrasi: sukarelah di harga Rp.
08 November 2023 500.000.000,-
- Tergugat I akan
mencoba menawarkan
kepada peminat objek
lelang untuk membeli
secara sukarela
- Hakim menyarankan
kepada para
pihak untuk aktif
berkomunikasi
Sidang berikutnya tanggal
03 Januari 2024 dengan
agenda Mediasi
Tahunan 2023
1030 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 522
CORPORATE
GOVERNANCE
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
Branch Office : The hearing on December Subject of Petition: - -
Tasikmalaya Regency 13, 2023, with the Cancelling and
Type : agenda of mediation for declaring legally
Lawsuit Against the Law the results of the first invalid the plan for
Case Number : mediation as follows : the Execution of
24/Pdt.G/2023/PN Cms - The plaintiff asked for Dependent Rights
Jurisdiction : the collateral to be sold Auction against SHM
Ciamis District Court together voluntarily for No 01520 on behalf of
Date of Registration: Rp. 500.000.000,- Rini Haryati
November 08, 2023 - Defendant I tried to
offer the interested
object(s) a voluntary
purchase
- The judge advised
the parties to actively
communicate
The next hearing was on
January 3, 2024, with the
agenda of Mediation
43 Kantor Cabang: Persidangan tanggal 27 Pokok Petitum: - -
Kabupaten Tasikmalaya Desember 2023 dengan Menyatakan tidak sah
Jenis: agenda Mediasi sebagai secara hukum rencana
Perbuatan Melawan Hukum berikut: Lelang Eksekusi Hak
No. Perkara: Prinsipal Penggugat Tanggungan terhadap
76/Pdt.G/2023/PN Tsm kembali tidak hadir dan SHM No. 00265 an
Yurisdiksi: Mediasi dinyatakan Ade Ridwan
Pengadilan Negeri Tasikmalaya gagal untuk selanjutnya
Tgl Registrasi: masuk pokok perkara
27 Oktober 2023 (pembacaan gugatan)
yang jadwalnya akan
diberitahukanmelalui
relaas panggilan
Branch Office : The hearing on December Subject of Petition: - -
Tasikmalaya Regency 27, 2023, with the Declaring legally
Type : following Mediation invalid the plan for
Lawsuit Against the Law agenda: the Execution of
Case Number : The plaintiff’s principal Dependent Rights
76/Pdt.G/2023/PN Tsm was again absent Auction against SHM
Jurisdiction : and Mediation was No 00265 on behalf of
Tasikmalaya District Court declared unsuccessful to Ade Ridwan
Date of Registration: subsequently enter the
October 27, 2023 subject matter (reading
of the lawsuit) whose
schedule was notified
through court summons
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1031
Page 523
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
44 Kantor Cabang: Persidangan tanggal 27 Pokok Petitum: - -
Kabupaten Tasikmalaya Desember 2023 agenda Menyatakan tidak sah
Jenis: Mediasi sebagai berikut: secara hukum rencana
Perbuatan Melawan Hukum Lelang Eksekusi Hak
No. Perkara: - Penggugat belum Tanggungan terhadap
77/Pdt.G/2023/PN Tsm dapat memenuhi SHM No. 00063 an
Yurisdiksi: tawaran dari tergugat Eneng Erni Heryadni
Pengadilan Negeri Tasikmalaya berupa pembayaran dan SHM No 00268 an
Tgl Registrasi: minimal 50% dari Eti Heryati
07 November 2023 tunggakan sehingga
Mediasi dinyatakan
gagal, namun
penggugat sepakat
akan menjual secara
sukarela sala satu
objek agunan untuk
pelunasan kredit
- Agenda berikutnya
pembacaan gugatan
untuk waktu akan
diinformasikan melalui
relas panggilan
44 Branch Office : The hearing on December Subject of Petition: - -
Tasikmalaya Regency 27, 2023, has the Declaring legally
Tyoe : following agenda for invalid the plan for
Lawsuit Against the Law Mediation: the Execution of
Case Number : - The plaintiff has not Dependent Rights
77/Pdt.G/2023/PN Tsm been able to fulfill Auction against SHM
Jurisdiction : the offer from the No 00063 on behalf
Tasikmalaya District Court defendant in the form of Eneng Erni Heryadni
Date of Registration: of payment of at least and SHM No 00268 on
November 07, 2023 50% of the arrears behalf of Eti Heryati
so the Mediation was
declared a failure, but
the plaintiff agreed
to voluntarily sell one
collateral object for
credit repayment
- the next agenda of
the lawsuit reading for
the time was informed
through court
summons
45 Kantor Cabang: Cilegon Pada tanggal 21 Tidak ada - -
Jenis: Desemner 2023 dengan
Gugatan Perbuatan Melawan Hukum yang diajukan oleh agenda Mediasi yang
PT. Pitaloka Nusantara di hadiri oleh Principal
No. Perkara: Penggugat, Tergugat II
143/Pdt.G/2023/PN.Srg yang dihadiri oleh bank
Yurisdiksi: bjb Cabang Cilegon
Pengadilan Negeri Serang dan Kusasa Hukum
serta dari Tergugat
III. Dalam mediasi
tersebut Penggugat
mengajukan beberapa
permohonan terkait
jumlah pembayaran dan
permohonan agar agunan
tidak di lelang. Mediasi
selanjutnya pada tanggal
4 Januari 2023.
Tahunan 2023
1032 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 524
CORPORATE
GOVERNANCE
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
Branch Office : On December 21, 2023, None - -
Cilegon with the agenda of
Type : Mediation attended
Lawsuit Against the Law filed by PT. Pitaloka Nusantara the Plaintiff’s Principal,
Case Number : Defendant II which was
143/Pdt.G/2023/PN.Srg attended by bank bjb
Jurisdiction : Cilegon Branch and Legal
Serang District Court Representatives as well as
from Defendant III. In the
mediation, the Plaintiff
filed several applications
regarding the amount of
payment and requests
that the collateral not
be auctioned. The next
mediation was held on
January 4, 2023.
46 Unit Kerja: Mediasi Tidak ada - -
KC Rasuna Said
Jenis: Nilai Agunan
Gugatan Perbuatan Melawan Hukum Rp.2.504.185.000
No. Perkara: Kredit
999/pdt.g/2023/pn.Jaksel Rp. 5.000.000.000,-
Yurisdiksi:
Negeri Jakarta Selatan
Branch Office : Mediation None - -
Rasuna Said
Type : Collateral Value IDR
Lawsuit Against the Law 2,504,185,000
Case Number : Credit
999/pdt.g/2023/pn.Jaksel Rp. 5,000,000,000,-
Jurisdiction :
South Jakarta District Court
47 Unit Kerja: Jawaban Tidak ada - -
KC Suci
Jenis: Nilai Agunan
Gugatan Perbuatan Melawan Hukum - HT 1
No. Perkara: Rp. 637.500.000
258/pdt.g/2023/pn.Jaksel - HT 2
Yurisdiksi: Rp. 50.000.000
Negeri Bale endah
Kredit
Rp. 550.000.000,-
Branch Office: Response None - -
Suci
Type : Collateral Value
Lawsuit Against the Law - HT 1 Rp.
Case Number : 637,500,000
258/pdt.g/2023/pn.Jaksel - HT 2
Jurisdiction : Rp. 50,000,000
Bale Endah District Court
Credit
Rp. 550,000,000,-
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1033
Page 525
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
48 Kantor Cabang: Mediasi Tidak ada - -
Suci
Jenis: SHM No. 1039, Nilai
Gugatan PMH Agunan
No Perkara: Rp. 4.211.700.000,-
490/Pdt.G/2023/PN Bdg
Yurisdiksi:
Pengadilan Negeri Bandung
Tgl Registrasi:
9 November 2023
Branch Office : Mediation None - -
Suci
Type : SHM No. 1039,
Lawsuit Against the Law Collateral Value
Case Number : Rp. 4,211,700,000,-
490/Pdt.G/2023/PN Bdg
Jurisdiction :
Bandung District Court
Date of Registration:
November 9, 2023
49 Kantor Cabang: Mediasi Imateril Rp - -
Bekasi 1.500.000.000
Jenis:
Gugatan PMH
No Perkara:
505/Pdt.G/2023/PN Bdg
Yurisdiksi:
Pengadilan Negeri Bandung
Tgl Registrasi:
9 November 2024
Branch Office : Mediation Immaterial Rp - -
Bekasi 1.500.000.000
Type :
Lawsuit Against the Law
Case Number :
505/Pdt.G/2023/PN Bdg
Jurisdiction :
Bandung District Court
Date of Registration:
November 9, 2024
50 Kantor Cabang: Panggilan para pihak Tidak ada - -
Saharjo
Jenis: Nilai Hak Tanggungan
Gugatan PMH Rp.6.250.000.000
No Perkara:
669/Pdt.G/2023/PN Jkt Pst
Yurisdiksi:
Pengadilan Negeri Jakarta Pusat
Tgl Registrasi:
7 November 2025
Tahunan 2023
1034 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 526
CORPORATE
GOVERNANCE
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
Kantor Cabang: Panggilan para pihak Tidak ada - -
Saharjo
Jenis: Nilai Hak Tanggungan
Gugatan PMH Rp.6.250.000.000
No Perkara:
669/Pdt.G/2023/PN Jkt Pst
Yurisdiksi:
Pengadilan Negeri Jakarta Pusat
Tgl Registrasi:
7 November 2025
51 Unit Kerja: Verifikasi dan renvoi Rp. 6.993.231.300,- - -
KC Daan Mogot prosedur
Jenis:
Pailit
No. Perkara:
43/Pdt.Sus pembatalPerdamaian/2023/PN.Niaga.Jkt.Pst
Yurisdiksi:
Pengadilan Niaga pada Negeri Jakarta Pusat
Branch office: Verification and review Rp. 6.993.231.300,- - -
Saharjo procedures
Type :
Lawsuit Against the Law
Case Number :
669/Pdt.G/2023/PN Jkt Pst
Jurisdiction :
central Jakarta district court
Date of Registration:
November 7, 2025
52 Kantor Cabang: Proses Kasasi Tidak ada - -
Pekanbaru
Jenis:
Gugatan Perbuatan Melawan Hukum
No. Perkara:
23/Pdt.G/2023/PN .Pbr
Yurisdiksi:
Pengadilan Negeri Pekanbaru
Tgl Registrasi:
6 Februari 2023
Branch Office : Cassation Process None - -
Pekanbaru
Type :
Lawsuit Against the Law
Case Number :
23/Pdt.G/2023/PN .Pbr
Jurisdiction :
Pekanbaru District Court
Date of Registration:
February 6, 2023
53 Kantor Cabang: proses kasasi Gugatan Materil: - -
Khusus Banten 198.200.000,
Jenis:
Gugatan Perbuatan Melawan Hukum oleh H. Ukon Gugatan Immateril:
Winardi dan Hj. Iho binti H. Kusni Rp. 1.500.000.000,-
No. Perkara:
176/Pdt.G/2022/PN.Srg
Yurisdiksi:
Pengadilan Negeri Serang
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1035
Page 527
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
Branch Office : Cassation Process Material Claim : - -
Banten 198.200.000,
Type :
Lawsuit Against the Law by H. Ukon Winardi dan Hj. Iho Immaterial Claim :
binti H. Kusni Rp. 1.500.000.000,-
Case Number :
176/Pdt.G/2022/PN.Srg
Jurisdiction :
Serang District Court
54 Kantor Cabang: Proses Kasasi Kerugian materil:3 - -
Tamansari Milyar
Jenis: Karugian imateril: tidak
Gugatan Wanprestasi ada
No. Perkara:
164/Pdt.G/2023/PN sby Plafond Kredit
Yurisdiksi: Rp. 5.000.000.000
Pengadilan Negeri Surabaya Baki debet
Rp. 3.560.187.742,-
Bunga
Rp. 1.710.070.403,-
Nilai Hak Tanggungan
Rp. 1.500.000.000
Branch Office : Cassation Process Material loss :3 Billion - -
Tamansari Immaterial loss : none
Type :
Default Lawsuit Credit Ceiling
Case Number : Rp. 5.000.000.000
164/Pdt.G/2023/PN sby Debit balance
Jurisdiction : Rp. 3.560.187.742,-
Surabaya District Court Interest
Rp. 1.710.070.403,-
Value of Liability
Rp. 1.500.000.000
55 Kantor Cabang: Panggilan para pihak Tidak ada - -
Purwakarta
Jenis: Nilai Hak Tanggungan
Gugatan PMH Rp. 667.000.000,-
No Perkara:
22/Pdt.Bth/2023/PN Smd
Yurisdiksi:
Pengadilan Negeri Sumedang
Branch Office : Call of the parties None - -
Purwakarta
Type : Value of Liability
Lawsuit Against the Law Rp. Rp. 667.000.000,-
Case Number :
22/Pdt.Bth/2023/PN Smd
Jurisdiction :
Sumedang District Court
56 Kantor Cabang: proses banding Kerugian Materil: - -
Majalaya Rp. 270.000.000,-
Jenis:
Gugatan Perbuatan Melawan Hukum Kerugian Imateril:
No. Perkara: Rp. 2.000.000.000,-
185/Pdt.G/2023/PN blb
Yurisdiksi:
Pengadilan Negeri Bale Bandung
Tahunan 2023
1036 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 528
CORPORATE
GOVERNANCE
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
Branch Office: appeal process Material loss: - -
Majalaya Rp. 270.000.000,-
Type :
Lawsuit Against the Law Immaterial loss:
Case Number : Rp. 2.000.000.000,-
185/Pdt.G/2023/PN blb
Jurisdiction :
Bale Bandung District Court
57 Kantor Cabang Khusus: Telah dilakukan rapat Tagihan sebesar Rp. - -
Surakarta kreditor pada tanggal 21 2.482.697.541,- (Dua
Jenis: Desember 2023 dengan Milyar Empat Ratus
Kepailitan hasil tagihan bank bjb Delapan Puluh Dua
No. Perkara: ditolak dikarenakan Juta Enam Ratus
18/Pdt.Sus-PKPU/2023/PN. Niaga Smg pencairan kredit dilakukan Sembilan Puluh Tujuh
Yurisdiksi: pada saat proses PKPU Ribu Lima Ratus Empat
Pengadilan Niaga Semarang Puluh Satu Rupiah)
Special Branch Office : A creditors meeting was Bill of Rp. - -
Surakarta held on December 21, 2.482.697.541,- (Two
Type : 2023, with the result Billion Four Hundred
Bankruptcy that bank bjb’s bill was Eighty-two Million Six
Case Number : rejected because credit Hundred Ninety-Seven
18/Pdt.Sus-PKPU/2023/PN. Niaga Smg disbursement was carried thousand Five Hundred
Jurisdiction : out during the PKPU Forty-One Rupiah)
Semarang Commercial Court process
58 Kantor Cabang: Proses pemanggilan dan Tidak ada gugatan - -
Rangkasbitung verifikasi para pihak pada materiil dan imateriil
Jenis: tanggal 14 Desember kepada bank bjb
Gugatan Wanprestasi oleh Rio Pratama Wadiyanto 2023. Panggilan sidang Cabang Rangkasbitung
selaku Direktur CV. Ratama Jaya selanjutnya pada selaku Turut Tergugat II
No. Perkara: tanggal 11 Desember
178/Pdt.G/2023/PN.Srg 2023 dengan agenda
Yurisdiksi: pemanggilan dan
Pengadilan Negeri Serang verifikasi para pihak
Kantor Cabang: The parties’ summoning There was no material - -
Rangkasbitung and verification process and immaterial
Jenis: was on December 14, claim to bank bjb
Gugatan Wanprestasi oleh Rio Pratama Wadiyanto 2023. The next hearing Rangkasbitung Branch
selaku Direktur CV. Ratama Jaya summons was on as Defendant II
No. Perkara: December 11, 2023,
178/Pdt.G/2023/PN.Srg with the agenda of
Yurisdiksi: summoning and verifying
Pengadilan Negeri Serang the parties.
59 Kantor Cabang: Pada tanggal 5 Desember Tidak ada - -
Bekasi 2023 dengan agenda:
Jenis: Pemanggilan sidang Nilai HT
Gugatan Perbuatan Melawan Hukum pertama Rp. 4.374.573.000
No. Perkara:
524/Pdt.G/2023/PN.Bks 24 November 2023
Yurisdiksi:
Pengadilan Negeri Bekasi
Branch Office : On December 5, 2023, None - -
Rangkasbitung with the agenda:
Type : First trial summons Value of HT
Default Lawsuit by Rio Pratama Wadiyanto as Director of Rp. 4.374.573.000
CV. Ratama Jaya
Case Number :
178/Pdt.G/2023/PN.Srg
Jurisdiction :
Serang District Court
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1037
Page 529
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Sanksi terhadap kondisi
Risiko dan
yang Perusahaan
Pokok Perkara / Gugatan Status Penyelesaian Nominal Gugatan
No. dikenakan The effect on
Main Case/Lawsuit Completion Status Risk and Lawsuit
Sanctions the condition
Amount
imposed of the
company
60 Kantor Cabang: Persidangan tanggal 18 Pokok Petitum: - -
Kabupaten Tasikmalaya Desember 2023 dengan Penggugat harus
Jenis: agenda Mediasi sebagai diberikan hak dan
Perbuatan Melawan Hukum berikut: kuasa untuk membuat,
No. Perkara: - Para pihak diminta menandatangani,
78/Pdt.G/2023/PN Tsm untuk membuat mengurus peralihan
Yurisdiksi: resume mediasi secara hak atas tanah
Pengadilan Negeri Tasikmalaya tertulis dan diserahkan bangunan objek jual
Tgl Registrasi: kepada hakim mediator beli, dan melakukan
15 November 2023 tanggal 02 Januari balik nama Sertifikat
2024 dan khusus Hak Milik No. 345/
untuk penggugat, Cilembang dari atas
Mediator meminta nama Tergugat
agar prisipal dihadirkan I menjadi nama
atau gugatan dapat Penggugat kepada
dinyatakan gugur Badan pertanahan
- Sidang berikutnya Nasional (BPN)
tanggal 02 Januari
2024 dengan agenda
Mediasi
Kantor Cabang: The hearing on December Subject of Petition: - -
Kabupaten Tasikmalaya 18, 2023, with the The Plaintiff must
Jenis: following Mediation be given the rights
Perbuatan Melawan Hukum agenda: and power to make,
No. Perkara: - The parties were sign, and manage the
78/Pdt.G/2023/PN Tsm requested to make a transfer of rights to the
Yurisdiksi: resume of mediation in building land object
Pengadilan Negeri Tasikmalaya writing and submit it of sale and purchase,
Tgl Registrasi: to the mediator judge and reverse the name
15 November 2023 by January 2, 2024, of the Certificate of
and specifically for the Ownership No 345/
plaintiff, the Mediator Cilembang from the
requested that the name of Defendant
principal be presented I to the name of the
or the lawsuit was Plaintiff to the national
declared void Land Agency (BPN)
- the next hearing was
held on January 2,
2024, with the agenda
of Mediation
61 Kantor Cabang: Pemanggilan para pihak Tidak ada - -
Cimahi
Jenis: Nilai HT
Perbuatan Melawan Hukum Rp. 500.000.000 dan
No. Perkara: Rp. 1.187.500.000
311/Pdt.G/2023/PN Blb
Yurisdiksi:
Pengadilan Negeri Bale Bandung
Tgl Registrasi:
27 November 2024
Branch Office : Call of parties None - -
Cimahi
Type : Value of HT
Lawsuit Against the Law Rp. 500.000.000 and
Case Number : Rp. 1.187.500.000
311/Pdt.G/2023/PN Blb
Jurisdiction :
Bale Bandung District Court
Date of Registration:
November 27, 2024
Tahunan 2023
1038 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 530
CORPORATE
GOVERNANCE
Perkara Putus di tahun 2023
Cases Concluded in the year 2023
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
1 Kantor Cabang: Putusan Banding 31 Januari 1. Menghukum Tergugat - -
Kebayoran baru dan/atau bank bjb 2023: II (bjb) untuk
Kantor Wilayah II Menguatkan Putusan 767/ mengembalikan uang
Jenis: Pdt.G/2021/ sisa eksekusi pencairan
Gugatan perbuatan melawan hukum PN.Jkt. Utr (Putusan tingkat sejumlah
oleh BLU BAKTI dan bank bjb sebagai pertama) Rp. 126.494.237.582,-.
Turut Tergugat II 2. Menghukum Tergugat
No. Perkara: II (bjb) untuk membayar
767/Pdt.G/2021/PN.Jkt. Utr ganti rugi sebesar
Yurisdiksi: Rp. 597.326.832.325,-.
Pengadilan Negeri Jakarta Utara
Tingkat:
Banding
Branch Office : Appellate Decision January 1. To condemn the - -
Kebayoran Baru and/or bank bjb 31, 2023: Affirming Codefendant Defendant
Regional Office II\ the Judgment No. 767/ (bjb) to return the
Type : Pdt.G/2021/ North Jakarta remaining funds from the
Lawsuit against the law by BLU BAKTI District Court (First Instance execution disbursement
and bank bjb as Co-Defendant II Decision). amounting to Rp.
Case Number : 126,494,237,582,-
767/Pdt.G/2021/PN.Jkt. Utr 2. To condemn the
Jurisdiction : Codefendant (bjb)
North Jakarta District Court to pay compensation
Level: in the amount of Rp.
Appeal 597,326,832,325,-
2 Kantor Cabang: Putusan Banding 01 1. Menghukum Tergugat - -
Kebayoran baru dan/atau bank bjb Februari 2023: II (bjb) untuk
Kantor Wilayah II Menguatkan Putusan 768/ mengembalikan uang
Jenis: Pdt.G/2021/ sisa eksekusi pencairan
Gugatan perbuatan melawan hukum PN.Jkt. Utr (Putusan Tingkat sejumlah
oleh BLU BAKTI dan bank bjb sebagai Pertama) Rp. 126.494.237.582,-.
Turut Tergugat II 2. Menghukum Tergugat
No. Perkara: II (bjb) untuk membayar
768/Pdt.G/2021/PN.Jkt. Utr ganti rugi sebesar
Yurisdiksi: Rp. 597.326.832.325,-.
Pengadilan Negeri Jakarta utara
Branch Office: Appellate Decision February 1. To condemn the - -
Kebayoran Baru and/or bank bjb 1, 2023: Affirming the Codefendant Defendant
Regional Office II Judgment No. 768/ (bjb) to return the
Type : Pdt.G/2021/ North Jakarta remaining funds from the
Lawsuit against the law by BLU BAKTI District Court (First Instance execution disbursement
and bank bjb as Co-Defendant II Decision). amounting to
Case Number: Rp. 126,494,237,582,-
768/Pdt.G/2021/PN. Jkt. Utr 2. To condemn the
Jurisdiction : Codefendant (bjb) to
North Jakarta District Court pay compensation in the
amount of
Rp. 597,326,832,325,-
3 Kantor Cabang Khusus: Putus pada tanggal 3 Rp. 10.000.000,- (Sepuluh - -
Semarang Januari 2023 dengan Juta Rupiah) sehari
Jenis: hasil menolak gugatan
Perdata (PMH) penggugat untuk
No. Perkara: seluruhnya.
27/Pdt.Sus-GLL/2022/PN.Niaga.Smg Jo
No. 29/Pdt.Sus-Pailit/2018/PN.Niaga.Smg
Yurisdiksi:
Pengadilan Niaga pada Pengadilan
Negeri Semarang
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1039
Page 531
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
Special Branch Office : Decided on January 3, Rp. 10,000,000,-(Ten Million - -
Semarang 2023, with the outcome Rupiah) per day
Type: of dismissing the plaintiff’s
Civil (Lawsuit against the law) lawsuit in its entirety
No. Case:
27/Pdt.Sus-GLL/2022/PN.Niaga.Smg Jo
No. 29/Pdt.Sus-Pailit/2018/PN.Niaga.Smg
Jurisdiction:
Commercial Court at the Semarang
District Court
4 Kantor Cabang: Putus pada tgl 7 Desember 1,8 Miliar - -
Serang 2022 dengan isi putusan
Jenis: menguatkan putusan
Gugatan Perlawanan Ekseskusi Lelang pengadilan negeri
No Perkara: tanggerang No 98/Pdt.
98/Pdt.Bth/2022/PN.Tng Bth/2022/PN.Tng
Yurisdiksi:
Pengadilan Negeri Serang
Tgl Registrasi:
16 Februari 2022
Branch Office: Decided on December 1.8 Billion - -
Serang 7, 2022, the verdict
Type : affirms the decision of the
Lawsuit Against Auction Execution Tangerang District Court
Case Number: No. 98/Pdt.Bth/2022/
98/Pdt.Bth/2022/PN.Tng PN.Tng.
Jurisdiction :
Serang District Court
Date of Registration:
February 16, 2022
5 Kantor Cabang: Putus pada tanggal 15 1. Menghukum Tergugat - -
Kebayoran baru dan/atau bank bjb Februari 2023 dengan isi II (bjb) untuk
Kantor Wilayah II putusan menolak gugatan mengembalikan
Jenis: penggugat uang sisa eksekusi
Gugatan perbuatan melawan hukum pencairan sejumlah Rp.
No. Perkara: 126.494.237.582,-.
1090/Pdt.G/2021/PN.Jkt.Brt 2. Menghukum Tergugat
Yurisdiksi: II (bjb) untuk membayar
Pengadilan Negeri Jakarta Barat ganti rugi sebesar Rp.
Tgl Registrasi: 597.326.832.325,-.
21 Desember 2021
Branch Office: Decided on February 1. To condemn the - -
Kebayoran Baru and/or bank bjb 15, 2023, the judgment Codefendant Defendant
Regional Office II dismissed the plaintiff’s (bjb) to return the
Type : lawsuit. remaining funds from the
Lawsuit against the law execution disbursement
Case Number: amounting to Rp.
1090/Pdt.G/2021/PN. Jkt. Brt 126,494,237,582,-.
Jurisdiction : 2. To condemn the
West Jakarta District Court Codefendant (bjb)
Date of Registration: to pay compensation
December 21, 2021 in the amount of Rp.
597,326,832,325,-.
Tahunan 2023
1040 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 532
CORPORATE
GOVERNANCE
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
6 Kantor Cabang: Sidang tanggal 27 februari Tidak Ada - -
Khusus jakarta 2023 dengan agenda
Jenis: putusan yang berisi:
Gugatan wanprestasi 1. menerima eksepsi
No. Perkara: 337/Pdt.G/2022/PN.Jkt.Pst dari Turut Tergugat
yuridksi: (berkenaan bahwasanya
Pengadilan Negeri Jakarta Pusat pihak notaris dan kpknl
Tgl Registrasi: harus diikutsertakan
20 Juni 2022 dalam perkara dimaksud)
2. bahwa majelis hakim
memutuskan perkara
dimaksud tidak dapat
diterima
Branch Office: The hearing on February None - -
Jakarta 27, 2023, with the agenda
Type: for the decision containing:
Default Lawsuit 1. accepting the exception
Case Number: from the Codefendant
337/Pdt.G/2022/PN.Jkt.Pst (concerning that the
Jurisdiction: notary and the land
central Jakarta district court office must be included
Date of Registration: in the case in question)
June 20, 2022 2. that the panel of judges
decided the case in
question is inadmissible
7 Kantor Cabang Khusus: Putus tanggal 18 Januari Gugatan materil: - -
Tangerang Selatan 2023 Dengan isi putusan Rp. 2.235.082.264
Jenis: menguatkan putusan
Gugatan Wanprestasi pengadilan negeri
No. Perkara:
1341/Pdt.G/2021/PN.Tng
Yurisdiksi:
Pengadilan Negeri Tangerang
Tgl Registrasi:
10 Desember 2021
Special Branch Office: Decided on January 18 Material Claim: - -
South Tangerang 2023 With the contents of Rp. 2,235,082,264,-
Type : the decision confirming the
Default Lawsuit decision of the district court
Case Number:
1341/Pdt.G/2021/PN.Tng
Jurisdiction :
Tangerang District Court
Date of Registration:
December 10, 2021
8 Kantor Cabang: Putus tanggal 15 Februari Membayar kerugian - -
Cabang Utama bandung 2023 dengan isi putusan materiil secara sebesar
Jenis: menguatkan putusan Rp.7.000.000.000,- secara
Gugatan Perbuatan Melawan Hukum pengadilan negeri tanggung renteng
No. Perkara:
171/Pdt.G/2022/PN Bdg
Yurisdiksi:
Pengadilan Negeri Bandung
Tgl Registrasi:
11 April 2022 (tingkat pertama)
22 November 2022 (tingkat banding)
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1041
Page 533
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
Branch Office: Decided on February 15, Payment of Material - -
Bandung Main Branch 2023, the verdict upholds Damages:
Type : the decision of the district Rp. 7,000,000,000,-
Lawsuit against the law court jointly and severally.
Case Number:
171/Pdt.G/2022/PN Bdg
Jurisdiction :
Bandung District Court
Date of Registration:
April 11, 2022 (first level)
November 22, 2022 (appeal level)
9 Kantor Cabang: Putus di cabut oleh Kerugian Materil: 5 Miliyar - -
Majalaya Penggugat pada tanggal 16 kerugian imateril: tidak ada
Jenis: Maret 2023
Gugatan Perbuatan melawan hukum
No. Perkara:
481/Pdt.G/2022/PN Bdg
Yurisdiksi:
Pengadilan Negeri Bandung
Tgl Registrasi:
26 Oktober 2022
Branch Office: Dismissed by the Plaintiff on Material Loss: - -
Majalaya March 16, 2023 Rp. 5,000,000,000,-
Type : Immaterial Loss: None
Lawsuit against the law
Case Number:
481/Pdt.G/2022/PN Bdg
Jurisdiction :
Bandung District Court
Date of Registration:
October 26, 2022
10 Kantor Cabang: Telah dibacakan putusan Rp. 4,250,000,000,- (Empat - -
Surabaya Hakim Ketua pada tanggal milyar dua ratus lima puluh
Jenis: 13 Maret 2023 dengan juta rupiah)
Perbuatan Melawan Hukum amar putusan: gugatan
No. Perkara: para penggugat kabur
1083/Pdt.G/2022/PN.Sby (obscuur libel); gugatan
Yurisdiksi: para penggugat tidak dapat
Pengadilan Tinggi Surabya diterima; menyatakan
Tgl Registrasi: gugatan para penggugat
5 Oktober 2022 dalam rekonpensi tidak
dapat diterima.
Branch Office : The judgment by the Rp. 4,250,000,000,- (Four - -
Surabaya Presiding Judge was billion two hundred fifty
Type : pronounced on March million)
Lawsuit against the law 13, 2023, with the decree
Case Number: stating: the plaintiffs'
1083/Pdt.G/2022/PN.Sby lawsuit is vague (obscuur
Jurisdiction : libel); the plaintiffs' lawsuit
Surabaya High Court is inadmissible; declares
Date of Registration: the plaintiffs' counterclaim
October 5, 2022 inadmissible.
Tahunan 2023
1042 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 534
CORPORATE
GOVERNANCE
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
11 Kantor Cabang: Putus pada tanggal 02 Gugatan materil - -
Cabang Soreang Maret 2023, dengan isi Rp. 363.319.553
Jenis: putusan menolak gugatan Gugatan Imateril
Gugatan Perbuatan Melawan Hukum pengguat Rp. 1.500.000.000
No. Perkara:
172/Pdt.G/2022/PN.Blb
Yurisdiksi:
Pengadilan Negeri Bale Bandung
Tgl Registrasi:
28 Juli 2022
Branch Office: Decided on March 2, 2023, Material Claim: - -
Soreang Branch the judgment content Rp. 363,319,553,-
Type : includes the dismissal of the Immaterial Claim:
Lawsuit against the law plaintiff’s lawsuit. Rp. 1,500,000,000,-
Case Number:
172/Pdt.G/2022/PN.Blb
Jurisdiction :
Bale Bandung District Court
Date of Registration:
July 28, 2022
12 Kantor Cabang: Putus pada tanggal 15 1. Menghukum Tergugat - -
Kebayoran baru dan/atau bank bjb februari 2023 dengan II (bjb) untuk
Kantor Wilayah II isi putusan menguatkan mengembalikan uang
Jenis: putusan PN Jakarta Pusat sisa eksekusi pencairan
Gugatan perbuatan melawan hukum Nomor 796/Pdt.G/2021/ sejumlah
oleh BLU BAKTI dan bank bjb sebagai PN.Jkt.Pst tanggal 22 Rp. 126.494.237.582,-.
Turut Tergugat II September 2022 2. Menghukum Tergugat
No. Perkara: II (bjb) untuk membayar
796/Pdt.G/2021/PN.Jkt.Pst ganti rugi sebesar
Yurisdiksi: Rp. 597.326.832.325,-.
Pengadilan Negeri Jakarta Pusat
Branch Office: Decided on February 1. To condemn the - -
Kebayoran Baru and/or bank bjb 15, 2023, the judgment Codefendant Defendant
Regional Office II reinforces the decision of (bjb) to return the
Type : Central Jakarta District remaining funds from the
Lawsuit against the law by BLU BAKTI Court No. 796/Pdt.G/2021/ execution disbursement
and bank bjb as Co-Defendant II PN.Jkt.Pst dated September amounting to
Case Number: 22, 2022 Rp. 126,494,237,582,-.
796/Pdt.G/2021/PN.Jkt.Pst 2. To condemn the
Jurisdiction : Codefendant (bjb) to
central Jakarta district court pay compensation in the
amount of
Rp. 597,326,832,325,-.
13 Kantor Cabang: Pada tanggal 4 april 2023 Gugatan Materil: Membayar - -
Karawang sidang dengan agenda kerugian materiil sebesar
Jenis: pembacaan Putusan melalui Rp.439.549.595,-
Gugatan Wanprestasi ecourt namun ditunda
No. Perkara: 105/Pdt.G/2022/PN. Kwg di pengumuman ecourt
Yurisdiksi: tanggal 11 april 2023,pada
Pengadilan Negeri Karawang tanggal 11 april 2023
Tgl Registrasi: sidang dengan agenda
27 Juli 2022 putusan (ecourt) namun
ditunda lagi dan putusan
baru ada pada tanggal 18
april
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1043
Page 535
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
Branch Office: On April 4, 2023, the Material Claim: - -
Karawang session with the agenda for Compensation for material
Type : the reading of the Decision damages in the amount of
Default Lawsuit through e-court was Rp. 439,549,595,-.
Case Number: postponed as announced
105/Pdt.G/2022/PN. Kwg on e-court on April 11,
Jurisdiction : 2023. On April 11, 2023,
Karawang District Court the session with the
Date of Registration: decision agenda (e-court)
July 27, 2022 was postponed again,
with a new decision made
available on April 18.
14 Kantor Cabang: Pada tanggal 13 April 2023 Pokok Petitum: - -
Kuningan dengan agenda pembacaan Menangguhkan dan/atau
Jenis: Putusan, dengan isi menghentikan pelaksanaan
Bantahan Lelang Eksekusi Hak putusan menyatakan eksekusi obyek jaminan
Tanggungan bantahan Pembantah
No. Perkara: tidak dapat diterima (Niet
No. 81/Pdt.Bth/2022/PN.TSM OnvantkelijkeVerklaard)
Yurisdiksi:
Pengadilan Negeri Tasikmalaya
Tgl Registrasi:
8 Desember 2022
Branch Office: On April 13, 2023, with the Principal Claim: To suspend - -
Kuningan agenda for the reading of and/or halt the execution of
Type: the Decision, the content of the collateral object in the
Auction Rebuttal to Execution of the decision states that the form of a Land Ownership
Mortgage Rights objections of the Objector Certificate No. 757 in the
Case Number: are declared inadmissible name of Agus Hartono.
No. 81/Pdt.Bth/2022/PN.TSM (Niet Ontvankelijk
Jurisdiction: Verklaard).
Tasikmalaya District Court
Date of Registration:
December 8, 2022
15 Kantor Cabang: Putus pada tanggal 13 April berupa Sertifikat Hak Milik - -
Semarang 2023 dengan isi putusan: No. 757 atas nama Agus
Jenis: 1. Mengabulkan pelawan Hartono.
Gugatan Lain-lain sebagian;
No. Perkara: 2. Menyatakan Pelawan
04/Pdt.Sus-Gugatan Lain lain/2023/ sebagai Pelawan yang
PN.Niaga.Smg Jo No. 29/Pdt.Sus- baik dan benar.
Pailit/2018/PN.Niaga.Smg 3. Menyatakan SHM No.
Yurisdiksi: 757 an Agus Hartono
Pengadilan Niaga pada Pengadilan merupakan harta pailit
Negeri Semarang (boedel Pailit) dari PT.
Seruni Prima Perkasa
(Dalam Pailit);
Branch Office : Decided on April 13, 2023, in the form of Certificate of - -
Semarang with the content of the Ownership No. 757 in the
Type : verdict as follows: name of Agus Hartono.
Miscellaneous Lawsuits 1. Partially granting the
Case Number: objection;
04/Pdt.Sus-Other Lawsuits/2023/ 2. Declaring the Objector as
PN.Niaga.Smg Jo No. 29/Pdt.Sus- a legitimate and proper
Pailit/2018/PN.Niaga.Smg Objector.
Jurisdiction : 3. Declaring Certificate of
Commercial Court at the Semarang Land Ownership (SHM)
District Court No. 757 in the name of
Agus Hartono as part
of the bankrupt estate
(boedel Pailit) of PT.
Seruni Prima Perkasa (In
Bankruptcy)
Tahunan 2023
1044 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 536
CORPORATE
GOVERNANCE
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
16 Kantor Cabang: Putus pada tanggal Gugatan materil - -
Karawang 31 Mei 2023 dengan Rp.290.459.579 Gugatan
Jenis: agenda Putusan, Menolak Imateril Rp. 500.000.000
Perbuatan Melawan Hukum gugatan Penggugat untuk
No. Perkara: seluruhnya
4/Pdt.G/2023/PN.Kwg
Yurisdiksi:
Pengadilan Negeri Karawang
Tgl Registrasi:
09 Januari 2023
Branch Office: Decided on May 31, Material claim: - -
Karawang 2023, with the agenda Rp. 290,459,579,-;
Type: for the Decision, rejecting Non-material (immaterial)
Lawsuit against the law the entire lawsuit of the claim: Rp. 500,000,000,-
No. Case: Plaintiff
4/Pdt.G/2023/PN.Kwg
Jurisdiction:
Karawang District Court
Date of Registration:
January 09, 2023
17 Kantor Cabang: Pada tanggal 17 Mei 2023, Materil maupun imateril - -
Surabaya agenda putusan dengan Rp. 2.500.000.000,- (Dua
Jenis: isi putusan: mengabulkan Milyar Lima Ratus Juta
Perbuatan Melawan Hukum Gugatan Penggugat untuk Rupiah)
No. Perkara: sebagian dan menyatakan
1022/Pdt.G/2022/PN.Sby Tergugat telah melakukan
Yurisdiksi: Perbuatan wanprestasi;
Pengadilan Negeri Surabya menyatakan Perjanjian
Tgl Registrasi: Kerjasama Penanaman
20 September 2022 modal dan pembiayaan
tanggal 4 Januari 2022
adalah sah dan mempunyai
kekuatan hukum.
Branch Office : On May 17, 2023, the Both material and - -
Surabaya agenda for the decision immaterial claims amount to
Type : was as follows: granting Rp. 2,500,000,000,- (Two
Lawsuit against the law the Plaintiff's lawsuit in Billion Five Hundred Million
Case Number: part and declaring that the Rupiah).
1022/Pdt.G/2022/PN.Sby Defendant has committed
Jurisdiction : an act of default; declaring
Surabya District Court the Investment and
Registration Date: Financing Cooperation
September 20, 2022 Agreement dated January
4, 2022, to be valid and
legally binding.
18 Kantor Cabang: Putus pada tanggal 29 Mei Tidak ada - -
Daan Mogot 2023, dengan isi putusan
Jenis: mengabulkan gugatan
Gugatan PMH penggugat utk sebagian,
No. Perkara: menghukum para tergugat
89/Pdt.G/2022/PN.BGR untuk membayar biaya
Yurisdiksi: yang timbul sebelum
Pengadilan Negeri Bogor pelaksanaan pelelangan
Tgl Registrasi: atas objek agunan
22 Juni 2022
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1045
Page 537
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
Branch Office: Decided on May 29, 2023, None - -
Daan Mogot the decision content
Type : includes partially granting
Lawsuit against the law the Plaintiff's lawsuit,
Case Number: and condemning the
89/Pdt.G/2022/PN.BGR Defendants to pay the
Jurisdiction : costs incurred before the
Bogor District Court execution of the auction of
Registration Date: the collateral object.
June 22, 2022
19 Kantor: Pada tanggal 17 Maret Tidak Ada - -
Cabang Surakarta 2023 Penetapan
Jenis: homologasi, namun salinan
Gugatan PKPU putusan homolgasi diterima
No. Perkara: tgl 30 Mei 2023
11/Pdt.Sus-Pailit/2022/PN.Niaga.Smg
Yurisdiksi:
Pengadilan Niaga pada Pengadilan
Negeri Semarang
Tgl Registrasi:
*N/A
Branch Office: On March 17, 2023, a None - -
Surakarta homologation decree was
Type : issued, but the copy of the
Lawsuit for Postponement of Debt homologation decision was
Payment Obligations received on May 30, 2023.
Case Number:
11/Pdt.Sus-Pailit/2022/PN.Niaga.Smg
Jurisdiction :
Commercial Court at the Semarang
District Court
Date of Registration:
*N/A
20 Kantor Cabang: Pada tanggal 25 Mei 2023 Tidak ada - -
Pandeglang putus, dengan isi putusan
Jenis: gugatan tidak dapat
Gugatan Perbuatan Melawan Hukum diterimaa
No Perkara:
No. 21/Pdt.G/2022/PN.Pd l
Yurisdiksi:
Pengadilan Negeri Pandeglang
Tgl Registrasi:
18 Oktober 2022
Branch Office : On May 25, 2023, it was None - -
Pandeglang decided that the lawsuit
Type : was inadmissible.
Lawsuit against the law
Case Number:
No. 21/Pdt.G/2022/PN.Pd l
Jurisdiction :
Pandeglang District Court
Date of Registration:
October 18, 2022
Tahunan 2023
1046 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 538
CORPORATE
GOVERNANCE
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
21 Kantor Cabang: Putus pada tanggal 8 Mei Tidak ada - -
Semarang 2023 dengan isi putusan
Jenis: menolak permohonan
Gugatan lain-lain kasasi
No Perkara:
20/Pdt.Sus-GLL/2022/PN.Niaga.Smg Jo.
No.29/Pdt.Sus-Pailit/2018/PN. Niaga.Smg
Yurisdiksi:
Pengadilan Niaga Semarang
Tgl Registrasi:
21 Desembet 2022
Branch Office : Decided on May 8, 2023, None - -
Semarang the cassation petition was
Type : denied.
Miscellaneous lawsuits
Case Number:
20/Pdt.Sus-GLL/2022/PN.Niaga.Smg
Jo. No.29/Pdt.Sus-Pailit/2018/PN.
Commerce.Smg
Jurisdiction :
Semarang Commercial Court
Date of Registration:
December 21, 2022
22 Kantor Cabang: Putus pada tanggal 15 Juni Pokok Petitum: - -
Tasikmalaya 2023 dengan isi putusan: Menangguhkan dan/atau
Jenis: 1. Menerima permohonan menghentikan pelaksanaan
Banding Banding dari eksekusi obyek jaminan
No. Perkara: Pembanding Semula
81/Pdt.Bth/2022/PN.TSM Pembantah ;
Yurisdiksi: 2. Menguatkan Putusan
Pengadilan Tinggi Jawa barat Pengadilan Negeri
Tgl Registrasi: Tasikmalaya. Nomor
9 Mei 2023 81/Pdt.Bth/2023, yang
dimohonkan banding
tersebut;
Branch Office : On June 15, 2023, the Principal Claim: To suspend - -
Tasikmalaya judgment was as follows: and/or stop the execution of
Type: 1. Accepting the appeal the collateral object
Appeal from the original
Case Number: appellant respondent;
81/Pdt.Bth/2022/PN.TSM 2. Affirming the decision of
Jurisdiction: the Tasikmalaya District
West Java High Court Court, Number 81/Pdt.
Date of Registration: Bth/2023, against which
May 9, 2023 the appeal was filed;
23 Kantor Cabang Khusus: Putus pada tanggal 12 Juni 1. Denda sebesar 20% - -
Tegal 2023, dengan isi putusan: dari Rp. 8.000.000,-
Jenis: Menolak gugatan setiap bulannya sampai
Perdata (PHI) Penggugat seluruhnya putusan.
No. Perkara: 2. Pembatalah SK PHK
45/Pdt.Sus-PHI/2022/PN.Smg
Yurisdiksi:
Pengadilan Hubungan Industrial Pada
Pengadilan Negeri Semarang
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1047
Page 539
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
Special Branch Office: Decided on June 12, 2023, 1. A fine of 20% of - -
Tegal the plaintiff’s lawsuit was Rp. 8,000,000,- per
Type : entirely dismissed. month until the verdict.
Civil (Industrial Relations Court) 2. The annulment of
Case Number: the Termination of
45/Pdt.Sus-PHI/2022/PN.Smg Employment Decree (SK
Jurisdiction : PHK
Industrial Relations Court at the
Semarang District Court
24 Kantor Cabang: Putus pada tanggal Tidak ada - -
Pekanbaru 25 Juli 2023 dengan
Jenis: isi putusan: Menolak
Gugatan Perbuatan Melawan Hukum gugatan penggugat untuk
No. Perkara: seluruhnya
23/Pdt.G/2023/PN .Pbr
Yurisdiksi:
Pengadilan Negeri Pekanbaru
Tgl Registrasi:
6 Februari 2023
Branch Office : Decided on July 25, 2023, None - -
Pekanbaru the plaintiff's lawsuit was
Type : entirely dismissed.
Lawsuit against the law
Case Number:
23/Pdt.G/2023/PN .Pbr
Jurisdiction :
Pekanbaru District Court
Date of Registration:
February 6, 2023
25 Kantor Cabang: Putus Kasasi tgl 3 Juli 2023 Gugatan Materil: Membayar - -
Tamansari Menolak permohonan kerugian materiil sebesar
Jenis: kasasi dari pemohon kasasi Rp.6.122.000.000,-
Gugatan Wanprestasi
No. Perkara:
203/Pdt.G/2020/PN Bdg
Yurisdiksi:
Pengadilan Negeri Bandung
Tgl registrasi:
8 Juni 2020
Branch Office: Cassation decision on Claim for material damages - -
Tamansari July 3, 2023, denied the amounting to
Type : cassation request from the Rp. 6,122,000,000,-.
Default Lawsuit petitioner.
Case Number:
203/Pdt.G/2020/PN Bdg
Jurisdiction :
Bandung District Court
Date of Registration:
June 8, 2020
Tahunan 2023
1048 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 540
CORPORATE
GOVERNANCE
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
26 Kantor Cabang: Pada tanggal 13 Juli 2023 Gugatan Materil: - -
Khusus Banten dengan agenda pembacaan 198.200.000,
Jenis: putusan oleh majelis hakim.
Gugatan Perbuatan Melawan Hukum Amar Putusannya adalah Gugatan Immateril:
oleh H. Ukon Winardi dan Hj. Iho binti gugatan para penggugat Rp. 1.500.000.000,-
H. Kusni ditolak seluruhnya.
No. Perkara: Kredit Rp. 310.000.000
176/Pdt.G/2022/PN.Srg Pada tanggal 26 Juli
Yurisdiksi: 2023 terdapat Risalah
Pengadilan Negeri Serang Pemberitahuan Memeriksa
Berkas Perkara terhadap
pata Tergugat bahwa
Penggugat mengajukan
Banding.
Branch Office: On July 13, 2023, the Material claim: - -
Banten Special reading of the verdict by Rp. 198,200,000,-
Type : the judges was scheduled.
Lawsuit against the law by H. Ukon The verdict was the Immaterial claim:
Winardi and Hj. Oh, bint H. Kusni dismissal of the plaintiffs’ Rp. 1,500,000,000,-
No. Case: lawsuit in its entirety.
176/Pdt.G/2022/PN.Srg Credit:
Jurisdiction : On July 26, 2023, a Rp. 310,000,000,-
Serang District Court notification of case file
examination was issued
against the defendant
stating that the plaintiff had
filed an appeal.
27 Kantor: putus pada tanggal 27 Kerugian materil - -
KCK Banten Juni 2023 dengan agenda Rp 50,000,000,000,- dan
Jenis: putusan: menyatakan kerugian inmateriil
Gugatan PMH Pengadilan Negeri Jaktim Rp. 75.000.000.000
No. Perkara: tidak berwenang untuk
471/Pdt.G/2022/PN.Jkt. Tim memeriksa dan memutus
Yurisdiksi: perkara a quo
Pengadilan Negeri Jakrta Timur
Tgl Registrasi: Salinan putusan baru
5 Agustus 2022 diterima oleh divisi hukum
bulan Agustus 2023
Branch Office: Decided on June 27, 2023, Material Loss: - -
Banten it was declared that the Rp. 50,000,000,000,- and
Type : East Jakarta District Court Immaterial Loss:
Lawsuit against the law was not authorized to Rp. 75,000,000,000,-
Case Number: examine and adjudicate the
471/Pdt.G/2022/PN.Jkt. Team case at hand.
Jurisdiction :
East Jakarta District Court The Legal Division received
Date of Registration: the copy of the decision in
August 5, 2022 August 2023.
28 Kantor Cabang: Pada tanggal 8 September Gugatan Materil: - -
Pandeglang 2023 dengan agenda 1.000.000.000, -
Jenis: Putusan dengan amar
Gugatan Perbuatan Melawan Hukum putusan Gugatan Plafond Kredit
oleh Cepi Sayfudin Penggugat ditolak oleh Rp. 8.000.000.000
No. Perkara: Majelis Hakim. Pada Sisa baki debet
8/Pdt.G/2022/PN.Pdl tanggal 20 September Rp.1.397.000.000 ,-
Yurisdiksi: 2023 PN Pandeglang
Pengadilan Negeri Pandeglang memberitahukan
Permohonan Banding
dari Pembanding (dahulu
Penggugat).
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1049
Page 541
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
Branch Office : On September 8, 2023, Material Claim: Rp. - -
Pandeglang the decision agenda was 1,000,000,000,-
Type : to dismiss the plaintiff’s
Lawsuit against the law lawsuit by the Panel of Credit Limit: Rp.
by Cepi Sayfudin Judges. On September 8,000,000,000,-
Case Number: 20, 2023, the Pandeglang Outstanding Balance: Rp.
8/Pdt.G/2022/PN.Pdl District Court notified of 1,397,000,000,-
Jurisdiction : an Appeal Request from
Pandeglang District Court the Appellant (formerly the
Plaintiff).
29 Kantor Cabang: Putus pada tanggal 30 Kerugian materil:3 Milyar - -
Tamansari Agustus 2023, namun Divisi Karugian imateril: tidak ada
Jenis: Hukum baru menerima
Gugatan Wanprestasi putusan pada tanggal 5 Plafond Kredit
No. Perkara: September 2023 Dengan Rp. 5.000.000.000
164/Pdt.G/2023/PN sby isi putusan menyatakan pn Baki debet
Yurisdiksi: surabaya tidak berwenang Rp. 3.560.187.742,-
Pengadilan Negeri Surabaya mengadili perkara no 164/ Bunga Rp. 1.710.070.403,-
Tgl Registrasi: Pdt.G/2023/PN sby
09 Februari 2023 Nilai Hak Tanggungan
Rp. 1.500.000.000
Branch Office: Decided on August 30, Material Loss: - -
Tamansari 2023, but the Legal Division Rp. 3,000,000,000,-;
Type : received the decision Immaterial Loss: None
Default Lawsuit on September 5, 2023,
Case Number: declaring that the Surabaya Credit Limit:
164/Pdt.G/2023/PN sby District Court was not Rp. 5,000,000,000
Jurisdiction : authorized to adjudicate
Surabaya District Court case number 164/ Outstanding Balance:
Date of Registration: Pdt.G/2023/PN Sby. Rp. 3,560,187,742,-
February 09, 2023
Interest:
Rp. 1,710,070,403,-
Value of Mortgage Right:
Rp. 1,500,000,000
30 Kantor Cabang: gugatan dicabut oleh Tidak ada, namun meminta - -
KCK Banten Penggugat pada tanggal pembatalan lelang sebesar
Jenis: 11 Agustus 2023 namun Rp.2.600.000.000
Gugatan PMH putusan diserahkan pada
No Perkara: tgl 5 September 2023
37/Pdt.G/2023/PN.Srg
Yurisdiksi:
Pengadilan Negeri Serang
Tgl Registrasi:
28 Maret 2023
Branch Office: The lawsuit was withdrawn No specific amount - -
Banten by the Plaintiff on August mentioned, but requests the
Type : 11, 2023, but the decision cancellation of the auction
Lawsuit against the law was handed down on amounting to
Case Number: September 5, 2023. Rp. 2,600,000,000.
37/Pdt.G/2023/PN.Srg
Jurisdiction :
Serang District Court
Date of Registration:
March 28, 2023
Tahunan 2023
1050 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 542
CORPORATE
GOVERNANCE
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
31 Kantor Cabang: Pada tanggal 02 Oktober Gugatan Materil: Asuransi - -
Tangerang Selatan 2023 monitoring sidang Sinarmas membayar
Jenis: perkara Nomor 467/ klaim asuransi sebesar Rp.
Gugatan Perbuatan Melawan Hukum Pdt.G/2022/PN.Jkt Pst di 2.922.000.000,-. Bank bjb
oleh ahli Waris atas Nama Marina PN Jakarta Pusat dengan mengembalikan dokumen
Josepha Junice agenda putusan yang agunan berupa sertipikat
No. Perkara: akan disampaikan melalui rumah tapak yang berlokasi
467/Pdt.G/2022/PN.Jkt Pst E-Court. Amar Putusan di Jalan H. Khodir No. 6
Yurisdiksi: adalah: Mengadili: Jakarta Selatan Provisi
Pengadilan Negeri Jakarta Pusat 1. Menyatakan Gugatan Jakarta Selatan Gugatan
Tgl Registrasi: Penggugat tidak dapat Immateril:
19 Agustus 2022 diterima (N.O), Rp. 1.000.000.000,-
2. Menghukum Penggugat
untuk membayar biaya
perkara sejumlah Rp.
1.570.000,-
Branch Office: On October 2, 2023, a case Material Claim: Sinarmas - -
South Tangerang monitoring session for case Insurance to pay
Type : number 467/Pdt.G/2022/ insurance claims of Rp.
Lawsuit against the law PN.Jkt Pst was held at the 2,922,000,000,-. bank bjb
by the Heirs in the Name of Marina Central Jakarta District returns collateral documents
Josepha Junice Court with a verdict agenda in the form of a land
Case Number: to be announced via certificate located at Jalan H.
467/Pdt.G/2022/PN.Jkt Pst E-Court. The Verdict was: Khodir No. 6 South Jakarta
Jurisdiction : Deciding: Province South Jakarta.
central Jakarta district court 1. Declaring the Plaintiff’s Immaterial Claim:
Date of Registration: lawsuit inadmissible Rp. 1,000,000,000,-
August 19, 2022 (N.O.),
2. Ordering the Plaintiff
to pay case costs
amounting to Rp.
1,570,000,-.
32 Kantor Cabang: Telah terdapat relaas Tidak Ada - -
Gajah Mada pemberitahuan putusan
Jenis: pengadilan tinggi DKI Kredit Rp. 20.000.000.000
Perbuatan Melawan Hukum Jakarta tanggal 26 oktober
No. Perkara: 2023 kepada bank bjb
797/Pdt.G/2019/PN.Jkt.Pst yang secara singkat
yuridksi: amarnya berbunyi:
Pengadilan Negeri Jakarta Pusat 1. Menerima permohonan
banding pembanding
semula penggugat
2. Menguatkan putusan
pengadilan negeri
jakarta pusat
3. Menghukum
pembanding semula
penggugat untuk
membayar biaya perkara
pada kedua tingkat
peradilan
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1051
Page 543
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
Branch Office: A notification of the None - -
Gajah Mada decision from the High
Type: Court of DKI Jakarta to Credit: Rp. 20,000,000,000
Lawsuit against the law bank bjb on October 26,
No. Case: 797/Pdt.G/2019/PN.Jkt.Pst 2023, briefly stated the
Jurisdiction: decision as follows:
central Jakarta district court 1. accepting the appeal
from the original plaintiff
appellant
2. Affirming the decision
of the Central Jakarta
District Court
3. Ordering the original
plaintiff appellant to pay
case costs at both levels
of the judiciary.
33 Kantor Cabang: Putusan Sela dengan isi Gugatan materil - -
Cabang Soreang putusan: Rp. 882.900.000
Jenis: 1. Mengabulkan eksepsi
Gugatan Perbuatan Melawan Hukum kompetensi relatif yang Kerugian Moril
No. Perkara: diajukan tergugat Rp. 2.000.000.000
90/Pdt.G/2023/PN Bdg 2. Menyatakan PN Bandung
Yurisdiksi: tidak berwenang
Pengadilan Negeri Bandung untuk memeriksa dan
Tgl Registrasi: mengadili perkara
14 Februari 2023 dimaksud
Branch Office: Interlocutory decision with Material claim: - -
Soreang Branch the verdict: Rp. 882,900,000,-
Type : 1. Granting the relative
Lawsuit against the law competence exception Moral damages:
Case Number: submitted by the Rp. 2,000,000,000,-
90/Pdt.G/2023/PN Bdg defendant
Jurisdiction : 2. Declaring the
Bandung District Court Bandung District Court
Date of Registration: unauthorized to examine
February 14, 2023 and adjudicate the
mentioned case
34 Kantor Cabang: Pada hari selasa tanggal Pokok Petitum: - -
Tasikmalaya 17 Oktober 2023 telah Menangguhkan dan/atau
Jenis: dilakukan sidang Putusan menghentikan pelaksanaan
Tingkat Pertama sebagai berikut: eksekusi obyek jaminan
No. Perkara: 1. Menolak bantahan
No. 26/Pdt.Bth/2023/PN.TSM Pembantah untuk Kredit Rp. 872.479.852
Yurisdiksi: seluruhnya;
Pengadilan Negeri Tasikmalaya 2. Menyatakan Pembantah
Tgl Registrasi: adalah Pembantah yang
24 Mei 2023 tidak benar;
3. Menghukum Pembantah
untuk membayar biaya
perkara yang sampai
saat ini berjumlah Rp.
638.000,00 (enam ratus
tiga puluh delapan ribuh
rupiah)
Tahunan 2023
1052 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 544
CORPORATE
GOVERNANCE
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
Branch Office: On Tuesday, October 17, Principal claim: - -
Tasikmalaya 2023, a sentencing session Suspend and/or halt the
Type: was conducted as follows: execution of collateral
First Level 1. Rejecting the foreclosure
Case Number: respondent’s objection in
No. 26/Pdt.Bth/2023/PN.TSM its entirety; Credit: Rp. 872,479,852,-
Jurisdiction: 2. Declaring the respondent
Tasikmalaya District Court to be incorrect;
Registration Date: 3. Ordering the respondent
May 24, 2023 to pay case costs which
amount to Rp. 638,000,-
(six hundred thirty-eight
thousand rupiah)
35 Kantor Cabang Khusus: Bahwa pada tanggal 1. Denda sebesar 20% - -
Tegal 31 Oktober 2023 telah dari Rp. 8.000.000,-
Jenis: diperoleh amar putusan setiap bulannya sampai
Perdata (PHI) yang menyatakan Kasasi putusan.
No. Perkara: ditolak. 2. Pembatalah SK PHK
45/Pdt.Sus-PHI/2022/PN.Smg
Yurisdiksi:
Pengadilan Hubungan Industrial Pada
Pengadilan Negeri Semarang
Special Branch Office: On October 31, 2023, a 1. A fine of 20% of Rp. - -
Tegal verdict was obtained stating 8,000,000,- per month
Type : the cassation was denied. until the verdict.
Civil (Industrial Relations Court) 2. The annulment of SK PHK
Case Number:
45/Pdt.Sus-PHI/2022/PN.Smg
Jurisdiction :
Industrial Relations Court at the
Semarang District Court
36 Kantor Cabang: Pada tanggal 12 Oktober Tidak ada - -
Pekanbaru 2023 dengan agenda
Jenis: putusan, pada pokoknya
Gugatan Perbuatan Melawan Hukum sebagai berikut:
No. Perkara: 1. Menolak permohonan
23/Pdt.G/2023/PN .Pbr banding dari Kuasa Hukum
Yurisdiksi: Para Pembanding semula
Pengadilan Negeri Pekanbaru Para Penggugat
Tgl Registrasi: 2. Menguatkan Putusan
6 Februari 2023 Pengadilan Negeri
Pekanbaru Nomor 23/
Pdt.G/2023/PN Pbr,
tanggal 25 Juli 2023, yang
dimohonkan banding
tersebut
Branch Office : On October 12, 2023, with None - -
Pekanbaru a verdict agenda essentially
Type : as follows::
Lawsuit against the law 1. Rejecting the appeal
Case Number: request from the Legal
23/Pdt.G/2023/PN .Pbr Representatives of the
Jurisdiction : original Plaintiffs
Pekanbaru District Court 2. Affirming the Decision
Registration Date: of the Pekanbaru District
February 6, 2023 Court Number 23/
Pdt.G/2023/PN Pbr,
dated July 25, 2023,
against which the appeal
was filed.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1053
Page 545
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
37 Kantor Cabang: Pada tanggal 19 oktober Tidak ada - -
Sukabumi 2023 dengan agenda
Jenis: pembacaan putusan yang Kredit Rp. 400.000.000,-
Perbuatan Melawan Hukum hasilnya menolak gugatan
No Perkara: Pengugat Nilai Agunan
15/Pdt.G/2023/Pn Skb Rp. 500.000.000,-
Tanggal Perkara:
13 Juli 2023
Yurisdiksi:
Pengadilan Sukabumi
Branch Office: On October 19, 2023, with None - -
Sukabumi a verdict reading agenda,
Type: the result was a dismissal of Credit: Rp. 400,000,000,-
Lawsuit against the law the Plaintiff’s lawsuit.
Case Number: Value of Mortgage Right:
15/Pdt.G/2023/Pn Skb Rp. 500,000,000,-
Date of Registration:
July 13, 2023
Jurisdiction:
Sukabumi Court
38 Kantor Cabang: Putus tanggal 6 November Kerugian materil: - -
Tamansari 2023, dengan isi putusan 3 Milyar
Jenis: menguatkan putusan Karugian imateril: tidak ada
Gugatan Wanprestasi pengadilan negeri nomor
No. Perkara: 164/Pdt.G/2023/PN sby Plafond Kredit
164/Pdt.G/2023/PN sby Rp. 5.000.000.000
Yurisdiksi: Baki debet
Pengadilan Negeri Surabaya Rp. 3.560.187.742,-
Tgl Registrasi: Bunga Rp. 1.710.070.403,-
09 Februari 2023
Nilai Hak Tanggungan
Rp. 1.500.000.000
Branch Office: Decided on November 6, Material damages: - -
Tamansari 2023, the decision was to 3 billion Immaterial
Type : affirm the decision of the damages: none
Default Lawsuit district court number 164/
Case Number: Pdt.G/2023/PN sby. Credit limit:
164/Pdt.G/2023/PN sby Rp. 5,000,000,000,-
Jurisdiction : Outstanding balance:
Surabaya District Court Rp. 3,560,187,742,-
Registration Date: Interest:
February 09, 2023 IDR 1,710,070,403,-
Mortgage value:
Rp. 1,500,000,000
39 Kantor Cabang: Putus Tanggal 21 November Kerugian Materil: - -
Majalaya 2023, dengan isi putusan: Rp. 270.000.000,-
Jenis: Gugatan Penggugat tidak
Gugatan Perbuatan Melawan Hukum dapat diterima Kerugian Imateril:
No. Perkara: Rp. 2.000.000.000,-
185/Pdt.G/2023/PN blb
Yurisdiksi:
Pengadilan Negeri Bale Bandung
Branch Office: Decided on November 21, Material damages: - -
Majalaya 2023, the decision was: Rp. 270,000,000,-
Type : The Plaintiff’s lawsuit was
Lawsuit against the law inadmissible. Immaterial damages:
Case Number: Rp. 2,000,000,000,-
185/Pdt.G/2023/PN blb
Jurisdiction :
Bale Bandung District Court
Tahunan 2023
1054 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 546
CORPORATE
GOVERNANCE
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
40 Kantor Cabang: Putus tanggal 2 November Tidak ada, namun - -
Subang 2023 dengan isi putusan: penggugat tidak ingin
Jenis: menolak gugatan jaminannya di lelang dan
Gugatan Wanprestasi penggugat untuk meminta 1 SHM yang
No. Perkara: seluruhnya lainnya untuk dikembalikan
19/Pdt.G/2023/PN Sng kepada Penggugat.
Yurisdiksi:
Pengadilan Negeri Subang Nilai Hak Tanggugan
Rp.310.000.000,-
Branch Office: Decided on November 2, None; however, the plaintiff - -
Subang 2023, the decision was does not wish for their
Type : to dismiss the plaintiff’s collateral to be auctioned
Default Lawsuit lawsuit in its entirety. and requests the return of
Case Number: another Land Ownership
19/Pdt.G/2023/PN Sng Certificate (SHM) to the
Jurisdiction : plaintiff.
Subang District Court
Value of Mortgage Right:
Rp. 310,000,000,-
41 Kantor Cabang: Putus pada tanggal 30 Tidak Ada - -
Serang November 2023, dengan isi
Jenis: putusan: Nilai agunan
Gugatan perbuatan melawan hukum 1. Menyatakan bantahan Rp. 4.837.000.000
No. Perkara: para pembantah tidak
39/Pdt.G/2023/PN Srg dapat diterima
Yurisdiksi: 2. Menghukum para
Pengadilan Negeri Serang pembantah untuk
Tgl Registrasi: membayar perkara
28 Maret 2023 sejumlah Rp. 2.685.000
Branch Office: Decided on November 30, None - -
Serang 2023, the decision was:
Type : 1. declaring the Collateral value:
Lawsuit against the law respondents’ objections Rp. 4,837,000,000,-
Case Number: inadmissible
39/Pdt.G/2023/PN Srg 2. Ordering the
Jurisdiction : respondents to pay case
Serang District Court costs amounting to Rp.
Registration Date: 2,685,000,-
March 28, 2023
42 Kantor Cabang: Pada tanggal 7 November Gugatan Materil: - -
Khusus Banten 2023 diterima putusan 198.200.000, -Gugatan
Jenis: dengan isi putusan: Immateril: Rp.
Gugatan Perbuatan Melawan Hukum 1. Menerima permohonan 1.500.000.000,-
oleh H. Ukon Winardi dan Hj. Iho binti banding dari para Kuasa
H. Kusni Para Pembanding semula
No. Perkara: Para Penggugat,
176/Pdt.G/2022/PN.Srg 2. Menguatkan Putusan
Yurisdiksi: Pengadilan Negeri
Pengadilan Negeri Serang Serang
Branch Office: On November 7, 2023, a Material claim: -
Banten decision was received with Rp. 198,200,000,-
Type : the verdict: Immaterial claim:
Lawsuit against the law by H. Ukon 1. Accepting the appeal Rp. 1,500,000,000,-
Winardi and Hj. Oh, bint H. Kusni from the representatives
Case Number: of the original Plaintiffs,
176/Pdt.G/2022/PN.Srg 2. Affirming the Decision of
Jurisdiction : the Serang District Court
Serang District Court
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1055
Page 547
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
43 Kantor Cabang: Pembacaan putusan oleh Rp. 0,- - -
Majalengka hakim pada tanggal 29
Jenis: November 2023 terkait
Pembagian Harta Gono-Gini hasil mediasi yang pada
No. Perkara: intinya sebagai berikut:
3035/Pdt.G/2023/PA.Mjl 1. Penggugat dan
Yurisdiksi: Tergugat sepakat
Pengadilan Agama Majalengka untuk menyelesaikan
Tgl Registrasi: permasalahan melalui
26 September 2023 mediasi yg dituangkan
dalam akta perdamaian
yg ditandatangani
Penggugat dan
Terggutat
2. Adapun terkait objek
harta gono-gini SHM no
02613 an Teddy Joko
Suwarno yg menjadi
agunan kredit KPR
tergugat di bank bjb
Majalengka menjadi hak
dari tergugat.
Branch Office : The verdict reading by Rp. 0,- - -
Majalengka the judge on November
Type: 29, 2023, regarding the
Division of Assets mediation outcome was
Case Number: essentially as follows:
3035/Pdt.G/2023/PA.Mjl 1. The Plaintiff and
Jurisdiction: Defendant agreed to
Majalengka Religious Court resolve the issue through
Registration Date: mediation, embodied
September 26, 2023 in a peace agreement
signed by the Plaintiff
and Defendant
2. Regarding the marital
property object SHM no
02613 in the name of
Teddy Joko Suwarno,
which is collateral for the
Defendant’s mortgage at
bank bjb Majalengka, it
becomes the right of the
Defendant.
44 Kantor Cabang: Putus pada tanggal 19 Tidak ada - -
KC Rasuna Said Desember 2023, dengan isi
Jenis: putusan: Kredit Rp. 1.994.004.337
Gugatan Wanprestasi menyatakan gugatan
No Perkara: penggugat tidak dapat
310/Pdt.G/2023/PN.Jkt.Sel. diterima
Yurisdiksi:
Pengadilan Negeri Jakarta Selatan
Tgl Registrasi:
24 April 2023
Branch Office : Decided on December 19, None - -
Rasuna Said 2023, the decision was:
Type : the plaintiff’s lawsuit was Credit Rp. 1.994.004.337
Default Lawsuit inadmissible.
Case Number:
310/Pdt.G/2023/PN.Jkt.Sel.
Jurisdiction :
South Jakarta District Court
Registration Date:
April 24, 2023
Tahunan 2023
1056 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 548
CORPORATE
GOVERNANCE
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
45 Unit Kerja: Pencabutuan PKPU tanggal Tidak ada - -
Divisi Korporasi 16 November 2023
Jenis: Baki debet:
PKPU Rp 301.433.055.556,-
No. Perkara:
9/Pdt.Sus-pkpu/2023/PN Niaga Mks
Yurisdiksi:
Pengadilan Niaga pada Pengadilan
Negeri Makassar
Work Unit: The suspension of PKPU None - -
Corporate Division was revoked on November
Type : 16, 2023. Outstanding balance:
Lawsuit for Postponement of Debt Rp. 301,433,055,556,-
Payment Obligations
Case Number:
9/Pdt.Sus-pkpu/2023/PN Niaga Mks
Jurisdiction :
Commercial Court at the Makassar
District Court
46 Unit Kerja: Pencabutan tanggal 7 Imateril: Rp. 5.250.000.000 - -
KC Bogor Desember 2023 Materil: -
Jenis:
Gugatan Perlawanan Melawan Hukum
No. Perkara:
1025/Pdt.G/2023/PN.Tng
Yurisdiksi:
Pengadilan Negeri Tangerang
Work Unit: The revocation was on Immaterial claim: - -
Bogor branch office December 7, 2023. Rp. 5,250,000,000,-
Type : Material claim: -
Lawsuit for Unlawful Resistance
Case Number:
1025/Pdt.G/2023/PN.Tng
Jurisdiction :
Tangerang District Court
47 Kantor Cabang: Putus tanggal 21 Desember Tidak ada, namun - -
KCK Banten 2023, dengan isi putusan: Penggugat menginkan
Jenis: menyatakan gugatan lelang hak tanggungan
Gugatan Perbuatan Melawan Hukum penggugat tidak dapat haruslah dibatalkan.
No. Perkara: diterima
69/Pdt.G/2023/PN Srg
Yurisdiksi:
Pengadilan Negeri Serang
Branch Office: Decided on December 21, None; however, the Plaintiff - -
Banten branch office 2023, the decision was: wishes for the foreclosure
Type : declaring the plaintiff’s of the mortgage right to be
Lawsuit against the law lawsuit inadmissible. annulled.
Case Number:
69/Pdt.G/2023/PN Srg
Jurisdiction :
Serang District Court
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1057
Page 549
TATA KELOLA
PERUSAHAAN
Pengaruhnya
Risiko dan Nominal Sanksi yang terhadap kondisi
Pokok Perkara / Gugatan Status Penyelesaian Gugatan dikenakan Perusahaan
No.
Pokok Perkara / Gugatan Status Penyelesaian Risiko dan Nominal Sanksi yang Pengaruhnya
Gugatan dikenakan terhadap kondisi
Perusahaan
48 Unit Kerja: Dicabut pada tanggal 29 Tidak ada - -
KCK Banten November 2023.
Jenis: Nilai Agunan
Gugatan Perbuatan Melawan Hukum Divisi Hukum menerima 1. HT 1 - No. 4863/2016
No. Perkara: penetapan gugatan dicabut dengan nilai hak
166/pdt.g/2023/pn.Serang pada tanggal 8 Desember tangungan
Yurisdiksi: 2023 Rp. 545.500.000,-
Negeri Bale Serang
2. HT 2No. 4688/2016
dengan nilai hak
tanggungan
Rp. 409.500.000,-
3. No. 76/2017 nilai hak
tangungan
Rp. 1.059.500.000
Kredit
Rp. 4.000.000.000
Work Unit: Withdrawn on November None - -
Banten branch office 29, 2023.
Type : The collateral values are as
Lawsuit against the law The Legal Division received follows:
No. Case: the determination of the 1. Collateral HT 1 - No.
166/pdt.g/2023/pn.Serang lawsuit withdrawal on 4863/2016 with a
Jurisdiction : December 8, 2023. collateral value of
Bale Serang State Rp. 545,500,000,-.
2. Collateral HT 2 - No.
4688/2016 with a
collateral value of
Rp. 409,500,000,-.
3. Collateral No. 76/2017
with a collateral value of
Rp. 1,059,500,000,-.
The total credit amount is
Rp. 4,000,000,000,-.
Tahunan 2023
1058 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 550
CORPORATE
GOVERNANCE
Perkara Hukum yang sedang Dihadapi Legal Cases Faced The Board of
Dewan Komisaris dan Direksi yang sedang Commissioners and Directors In Service
Menjabat
Selama tahun 2023, tidak terdapat perkara hukum yang sedang During 2023, there were no legal cases currently being faced by
dihadapi oleh Dewan Komisaris dan Direksi yang sedang menjabat. the Board of Commissioners and Board of Directors.
Perkara Hukum yang Sedang Dihadapi Legal Cases are Facing Subsidiary
Anak Perusahaan Companies
Selama tahun 2023, tidak terdapat perkara hukum yang sedang During 2023, there were no legal cases being faced by the
dihadapi oleh Anak Perusahaan. Subsidiary.
Sanksi Administratif yang Dikenakan Administrative Sanctions Imposed on
Kepada Perusahaan, Anggota Dewan The Company, Members of The Board
Komisaris dan Direksi oleh Otoritas of Commissioners and Directors by The
Pasar Modal dan Otoritas Lainnya Capital Market Authority and Other
Authorities
Selama 2023, tidak terdapat sanksi administratif yang During 2023, there are no administrative sanctions that affect
mempengaruhi kelangsungan usaha bank bjb dan juga tidak the continuity of bank bjb's business and there are also no
terdapat sanksi administratif yang dikenakan kepada anggota administrative sanctions imposed on members of the Board of
Direksi dan anggota Dewan Komisaris. Directors and members of the Board of Commissioners.
Akses Informasi dan Data Perusahaan Access to Company Information and
Data
Dalam upaya memberikan informasi yang transparan kepada publik In an effort to provide transparent information to the public
berkaitan dengan perkembangan dan pelaksanaan pengelolaan relating to the development and implementation of the Bank's
usaha Bank serta demi menjalankan program komunikasi business management and for the sake of carrying out a marketing
pemasaran, sejak tahun 2013 bank bjb telah menggunakan communication program, since 2013 bank bjb has used various
beragam perangkat untuk menyampaikan informasi penting tools to convey important information that stakeholders need to
yang perlu diketahui para pemangku kepentingan. bank bjb know. bank bjb has provided information access for Shareholders
telah menyediakan akses informasi bagi Pemegang Saham dan and stakeholders to obtain further information through:
pemangku kepentingan untuk mendapatkan informasi lebih
lanjut melalui:
Divisi Corporate Secretary Investor Relation Group
Corporate Secretary Division Investor Relations Group
Menara/ Tower bank bjb Menara/ Tower bank bjb
Jl. Naripan No. 12-14, Bandung Jl. Naripan No. 12-14, Bandung
: 022-4234868 (hunting) : 022-4234868 ext 7140/7141
: 022-4206099 : ir@bankbjb.co.id
: www.bankbjb.co.id
: bjb call 14049
: @infobankbjb
: bankbjbofficial
: bankbjb
: bankbjb
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1059
Page 551
TATA KELOLA
PERUSAHAAN
Selain itu, informasi mengenai perkembangan saham dan In addition, information regarding the development of bank bjb
permodalan bank bjb juga dapat diakses melalui website Bursa shares and capital can also be accessed through the Indonesian
Efek Indonesia (www.idx.co.id). Stock Exchange website (www.idx.co.id).
Kegiatan Investor Relation Investor Relations Activities
Kegiatan investor relation yang bertujuan untuk melakukan Investor relations activities aimed at communicating with investors,
komunikasi dengan investor, analyst dan pemegang saham yang analysts and shareholders carried out during 2023 include:
dilaksanakan selama tahun 2023 antara lain:
Kegiatan Tanggal Pelaksanaan
No
Activities Implementation Date
1 Earnings Call FY-2022 (Analyst Meeting) 27 Februari 2023
Earnings Call FY-2022 (Analyst Meeting) February 27, 2023
2 Management Meeting Pemeringkatan Tahunan PEFINDO Tahun 2023 29 Maret 2023
PEFINDO Annual Rating Management Meeting 2023 March 29, 2023
3 Rapat Umum Pemegang Saham Tahunan Tahun Buku 2022 4 April 2023
Annual General Meeting of Shareholders for Financial Year 2022 April 4, 2023
4 Earnings Call 1Q-2023 (Analyst Meeting) 3 Mei 2023
Earnings Call 1Q-2023 (Analyst Meeting) May 3, 2023
5 Rapat Umum Pemegang Saham Luar Biasa Tahun 2023 25 Mei 2023
Extraordinary General Meeting of Shareholders in 2023 May 25, 2023
6 Management Meeting Pemeringkatan PEFINDO 18 Juli 2023
PEFINDO Rating Management Meeting July 18, 2023
7 Earnings Call 2Q-2023 (Analyst Meeting) 26 Juli 2023
Earnings Call 2Q-2023 (Analyst Meeting) July 26, 2023
8 Management Meeting Pemeringkatan Tahunan Fitch Ratings Tahun 2023 24 Oktober 2023
Fitch Ratings Annual Rating Management Meeting 2023 October 24, 2023
9 Earnings Call 3Q-2023 (Analyst Meeting) 31 Oktober 2023
Earnings Call 3Q-2023 (Analyst Meeting) October 31, 2023
10 Public Expose Tahun 2023 31 Oktober 2023
Public Expose Tahun 2023 October 31, 2023
Siaran Pers Press Releases
Salah satu bentuk penyebarluasan informasi bank bjb kepada One form of disseminating bank bjb information to the public
publik yaitu dengan melakukan siaran pers. Siaran pers yang is by conducting a press release. The press release that has been
telah dilakukan bertujuan untuk menggambarkan kegiatan atau made aims to describe the activities or events that occurred.
peristiwa yang terjadi. Selama tahun 2023, siaran pers yang telah During 2023, bank bjb has made press releases, among others:
dilakukan bank bjb antara lain:
No Judul Berita News Title
Bandung bjb Tandamata Optimistis Beri Gelar Juara Ke-4 di Proliga Bandung bjb Tandamata Optimistic about Presenting the 4th Place Title in
1
2023 the Proliga 2023
2 Diikuti 250 Anak, bank bjb Gelar Gelar Khitanan Massal Followed by 250 children, bank bjb Held “Khitanan Masal” Event
Dukung Kemajuan Pendidikan, bank bjb & Universitas Padjadjaran Supporting Educational Progress, bank bjb & Padjajaran University
3
Resmikan Knowledge Theater Inaugurate Knowledge Theatre
4 Business Review Semester II 2022 bank bjb Business Review Semester II 2022 bank bjb
5 Buka Tabungan bank bjb Bisa Dapat Tiket VIP Meraya di Medan 2.0 Open An Account in bank bjb Get a VIP Ticket of Meraya in Medan 2.0
bjb WideScreen Banjarmasin Manjakan Nasabah via Nonton Bareng bjb WideScreen Banjarmasin Holds a “Nobar” Event for the Film Ant-Man
6
Film Ant-Man and the Wasp Quantumania and the Wasp Quantumania
Tahunan 2023
1060 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 552
CORPORATE
GOVERNANCE
No Judul Berita News Title
Semarak Tahun Baru Imlek 2023, Banyak Program Diskon Menarik Vibrant Chinese New Year 2023, Many Interesting Discount Program
7
dari bank bjb Offered by bank bjb
Meriahkan Bogoria Festival, bank bjb Manjakan Nasabah via Promo Celebrating Bogoria Festival, bank bjb Offers Appealing Promos to
8
Menarik Customers
9 bjb PESATkan UMKM di Medan Berlangsung Sukses dan Meriah “bjb PESATkan UMKM” in Medan was Successful and Lively
bank bjb Kembali Tawarkan SBR 012, Ada Dua Pilihan Investasi bank bjb Re-Offer SBR 012, Two Appealing Investment Options are
10
Menarik Available
bank bjb Jalin Rangkaian Kerja Sama dengan Yayasan Kartika Eka
11 bank bjb Cooperates with Kartika Eka Paksi Foundation
Paksi
Di bank bjb, Nabung Berjangka Langsung Bawa Pulang Sepeda
12 In bank bjb, Time Savings Directly Can Get You Motorcycle
Motor
13 Ikuti Workshop Bisnis bjb PESATkan UMKM di Palembang Join Business Workshop “bjb PESATkan UMKM” in Palembang
14 Workshop Bisnis bjb PESATkan UMKM Hadir di Lampung Business Workshop “bjb PESATkan UMKM” is Available in Lampung
15 Ikuti Promo Tiket Murah DIGI Playlist Love Festival 2.0 di bank bjb Join Cheap Ticket Promotion DIGI Playlist Love Festival 2.0 in bank bjb
Segera Top Up Saldo e-Wallet Pakai DIGI, Raih Bonus Saldo Top Up e-Wallet Balance Soon with DIGI, Get Digicash Bonus Worth
16
DigiCash Jutaan Rupiah Millions of Rupiah
Apresiasi Agen Laku Pandai, bank bjb Bagi-bagi Hadiah untuk Appreciating Laku Pandai Agents, bank bjb Shares Gifts to Hundreds of
17
Ratusan Agen bjb BiSA bjb BiSA Agents
bank bjb Hadirkan Promo Menarik DIGI dan DigiCash Pada Bogor bank bjb Offers DIGI and DigiCash Appealing Promos at Bogor Street
18
Street Festival 2023 Festival 2023
Mau Beli Rumah Ada bjb KPR Membumi dengan Suku Bunga Want to Buy a House, bjb Grounded KPR Offers Competitive Interest Rates
19
Kompetitif dan DP Nol Persen and Zero Percent DP
Ikuti Program Join Promo Proteksi dan Investasi, Dapat Perlindungan Join the Protection and Investment Promo Program, Get Additional
20
Plus Hadiah Menarik Protection and Appealing Rewards
Kinerja Bisnis Solid, Bank Bjb Berhasil Menjaga Kualitas Aset Di Showing Solid Business Performance, bank bjb Succeeded in Maintaining
21
2022 Dengan NPL 1.16% the Asset Quality in 2022 with NPL 1.16%
22 Ajak Teman Dapat Cuan Sampai Dengan Rp350 Ribu Offering Referrals Earn Rewards up to 350 Thousands Rupiah
bank bjb Hadirkan Keseruan di DIGI Chocolate & Sweet Festival
23 bank bjb Brings Excitement in Bandung DIGI Chocolate & Sweet Festival
Bandung
Cara Mudah Dapatkan Tiket Now Playing Festival 2023 Bersama
24 Easy Way to Get Tickets to the Now Playing Festival 2023 with bank bjb
bank bjb
Dukung Pemkot Surakarta, bank bjb Bantu Pembangunan Ruang Supporting Surakarta City Government, bank bjb Helps to Build Child-
25
Bermain Ramah Anak di Taman Monumen 45 Banjarsari Friendly Play Ground in 45 Monumen Park Banjarsari
Serunya DIGI Playlist Love Festival 2.0, Hadirkan Kolaborasi Lintas
26 Fun DIGI Playlist Love Festival 2.0, Presenting Cross-Genre Collaboration
Genre
bank bjb Berangkatkan 112 Nasabah Pemenang Umrah bjb bank bjb Departed 112 Winning Customers Umrah bjb Religious Trip in
27
Perjalanan Religi Tahun 2022 2022
bank bjb Kolaborasi dengan Dapenbun Luncurkan Layanan bank bjb Collaborates with Dapenbun to Launch Integrated Authentication
28
Otentikasi Terintegrasi Service
29 Kemeriahan Hari Pertama DIGI Playlist Love Festival 2.0 Excitement of the First Day of DIGI Playlist Love Festival 2.0
bank bjb Hadirkan Konser Pesta Rakyat 30 Years Career Dewa 19 bank bjb Presents Dewa 19’s 30 Years Career Public Celebration Concert
30
di Bandung in Bandung
31 Festival Meraya di Medan 2.0 Sukses Digelar Meraya Festival in Medan 2.0 was Successfully Held
Dukung Kemajuan UMKM, bank bjb Salurkan Kredit Mesra di Supporting the Growth of MSME, bank bjb Distributes the Mesra Credit
32
Medan in Medan
Tingkatkan Pendapatan Daerah, bank bjb Mudahkan Warga Banten Increasing Regional Income, bank bjb Facilitates Banten Citizen to Pay
33
Bayar Retribusi via SIREDA Retribution through SIREDA
bank bjb Kolaborasi dengan BAIS Tingkatkan Kualitas SDM dan bank bjb Collaborates with BAIS to Increase the HR Quality and Banking
34
Layanan Perbankan Services
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1061
Page 553
TATA KELOLA
PERUSAHAAN
No Judul Berita News Title
35 Serunya Nostalgia dalam Pesta Rakyat 30 Years of Career Dewa 19 Fun Nostalgic in Dewa 19’s 30 Years of Career Public Celebration
36 bank bjb Sukseskan Gelaran Bali Coast Line Cycling Challenge 2023 bank bjb Succeeded Bali Coast Line Cycling Challenge Event 2023
Perkuat Tata Kelola Perusahaan Yang Baik, bank bjb Jalin Kerja Strengthen Good Corporate Governance, bank bjb Collaborates with
37
Sama dengan Kejati Banten Kejati, Banten
NPF 2023 - Seru dan Meriahnya Nonton Now Playing Festival 2023 NPF 2023 – Fun and Exciting Watch Now Playing Festival 2023 Together
38
bersama bank bjb with bank bjb
bank bjb Tawarkan SR 018, Pilihan Berharga untuk Kemandirian
39 bank bjb Offers SR 018, A Valuable Choice to the Nation Independence
Bangsa
Kembangkan Budidaya Melon di Jabar, bank bjb dan Pemprov Jabar Developing Melon Farming in Jabar, bank bjb and West Java Province
40
Kunjungi Farm Hill di Surakarta Government Visited Farm Hill in Surakarta
Puluhan Nasabah bank bjb Menangkan Undian Nasional Simpeda
41 Dozens of bank bjb Customers Won Simpeda National Draw in Padang
di Padang
Transfer Valas Bisa Bawa Pulang TV LED dan Logam Mulia, Simak
42 Transfer Valas Can Get You TV LED and Precious Metal, Here is How.
Caranya
Sukses Bersinergi, Bank Bengkulu sebagai Mitra KUB bank bjb Succeeding through Synergy, Bank Bengkulu as the KUB bank bjb
43
Cetak Pertumbuhan Laba Bersih 30% Partnership Presents Net Profit Growth 30%
Now Playing Festival 2023 Pekan Kedua Sukses Digelar di Bandung The Second Week Now Playing Festival 2023 was Successfully Held in
44
bersama bank bjb Bandung Together with bank bjb
Dukung BBQ RIDE 2023 bank bjb Manjakan Penggemar Modifikasi Supporting BBQ RIDE 2023 bank bjb Indulges Car and Motorcycle
45
Mobil dan Motor Modification Enthusiasts
Brand dan Komunitas Otomotif dari Jawa Tengah Ramaikan BBQ Brand and Automotive Communities from Central Java Enlivened BBQ Ride
46
Ride 2023 2023
Capai Struktur Permodalan yang Makin Solid dan Kuat, Right Issue Achieved More Solid and Strong Capital Structure, Right Issue Not Yet
47
Belum Jadikan Alternatif Considered as an Alternative
48 Atasi Kredit Bermasalah, bank bjb Jalin Sinergi dengan Askrindo Addressing Problematic Loans, bank bjb Forges Synergy with Askrindo
bank bjb dan Kemenko Perekonomian Dorong Anak Muda bank bjb and the Minister of Economic Affairs Encourage Prosperous
49
Sejahtera Bersama KUR Youth with KUR
50 Bandung bjb Tandamata Juara Proliga 2023 Bandung bjb Tandamata Champions Proliga 2023
bank bjb Raih Penghargaan Sebagai Bank Peduli Perekonomian bank bjb Receives Award as Best Bank Caring for Rural Economy in
51
Masyarakat Desa di Indonesia Indonesia
Proliga 2023 Champion, Bandung bjb Tandamata Team Receives
52 Juara Proliga 2023, Tim Bandung bjb Tandamata Terima Apresiasi
Appreciation
bank bjb Terima Penghargaan Bank Penyedia Layanan Pembayaran bank bjb Receives Award for Best Provider of Zakat Payment Services from
53
Zakat Terbaik dari Baznas Baznas
Tingkatkan Pemberdayaan UMKM, bank bjb Resmikan Sentra Increasing MSME’s Empowerment, bank bjb Officially Opens UMKMPESAT
54
UMKMPESAT di Surabaya Centre in Surabaya
Promo DIGI Ramadhan Pasar NgaDIGI, Belanja ke Pasar Dapat DIGI Ramadan Promo at NgaDIGI Market, Shop at the Market and Get
55
Hadiah dari bank bjb Prizes from bank bjb
bank bjb Gelar Program THR Lebaran di Rumah Baru, bank bjb Beri bank bjb Hosts Lebaran THR Program at New Home, bank bjb Offers
56
Hadiah Diskon hingga Voucher Belanja Discounts and Shopping Vouchers
bank bjb Gelar Bazar DIGI Ramadhan Wonderful Moslem Carnival bank bjb Organized DIGI Ramadhan Wonderful Moslem Carnival 2023
57
2023 di Bandung Bazaar di Bandung
Pembagian Dividen BjbR Meningkat dari Rp99,11 menjadi
BjbR Dividend Distribution Increases from Rp99,11 to Rp104,55 per Share,
58 Rp104,55 per Lembar Saham, dengan total Pembagian Dividen
with a Total Dividend Distribution of Rp1.1T
sebesar Rp1,1T
bank bjb Dukung BI Sediakan Uang Rupiah Baru untuk Ramadan bank bjb Supports BI in Providing New Rupiah Currency for Ramadan and
59
dan Idulfitri 2023 Eid al-Fitr 2023
Direktur bank bjb Raih Penghargaan Best CEO 2023 dari The
60 bank bjb Director Receives Best CEO 2023 Award from The Iconomics
Iconomics
Tahunan 2023
1062 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 554
CORPORATE
GOVERNANCE
No Judul Berita News Title
bank bjb Hadirkan Haji Geyot Demi Hidupkan Kembali Tradisi
61 bank bjb Hadirkan Haji Geyot Demi Hidupkan Kembali Tradisi Ramadan
Ramadan
62 bank bjb Gelar DIGI Ramadhan 1444H Ramadhan Fashion Market bank bjb Introduces Haji Geyot to Revive Ramadan Tradition
Meriahkan Ramadhan, bank bjb sukses Gelar DIGI Ramadhan Vibrant Ramadhan, bank bjb Succeeded in Holding DIGI Ramadhan 1444H
63
1444H Bisa Jadi Berkah 3.0 Bisa Jadi Berkah 3.0
Serunya DIGI Ramadhan Kuliner Festival Majalengka 2023, Bertabur Excitement of DIGI Ramadan Culinary Festival in Majalengka 2023,
64
Promo! Overflown with Promotions!
Meriahkan Ramadan, bank bjb Sukses Gelar Kompetisi MTQ DIGI Enlivening Ramadan, bank bjb Successfully Holds DIGI MTQ FeSRa
65
FeSRa Competition
bjb Berbagi Ramadan Memberi 1444 H Tebar Kebermanfaatan Bagi bjb Shares Ramadan Gifts Giving 1444 H to Provide Benefits to the
66
Masyarakat Community
Dukung Sektor UMKM dan Bisnis Anak Muda, bank bjb Gelar Supporting MSMEs and Young Entrepreneurs, bank bjb Holds Ramadan
67
Ramadan Fest Smeshub Island Fest Smeshub Island
bank bjb Sabet 8 Penghargaan di 12th Infobank Digital Brand bank bjb Wins 8 Awards at the 12th Infobank Digital Brand Recognition
68
Recognition 2023 2023
69 Warga Serbu Bazaar Ramadan bank bjb 1444H di Gedung Sate Residents Flock to bank bjb's 1444H Ramadan Bazaar at Gedung Sate
Sukses Dukung Usaha Kuliner & UMKM, DIGI Ramadhan Kulfest Successfully Supporting Culinary Business & MSMEs, DIGI Ramadan Kulfest
70
1444 H di Masjid Cut Meutia 1444 H at Cut Meutia Mosque
bank bjb Sukseskan Gelaran BUBOS 7 Bertasbih dan Bazaar
71 bank bjb Made BUBOS 7 Bertasbih Event and Ramadan Bazaar a Success
Ramadan
72 Promo Spesial Idulfitri 1444H bank bjb, Banjir Diskon! Special Eid al-Fitr 1444H Promo from bank bjb, Flooded with Discounts!
bank bjb Manjakan Agen bjb BiSA! dengan Hadiah Voucher bank bjb Indulges bjb BiSA! Agents with Shopping Voucher Prizes and
73
Belanja dan Saldo DigiCash DigiCash Balance
Beri Referral dapat Untung, Yuk Ikutan bjb Beruntung dan Buka Giving Referral Get Luck, Join bjb Beruntung Program and Open a bjb
74
Segera Buka Tabungan bjb Tandamata Purnabakti Tandamata Purnabakti Account Now
75 Ikuti Promo bjb PASTI, Diskon Premi Asuransi Hingga 100% Join bjb PASTI Promo, Get Up to 100% Insurance Premium Discount!
76 Gebyar Hadiah bank bjb Remittance Reward Western Union bank bjb Remittance Reward Western Union Giveaway
77 Triwulan Pertama 2023, bank bjb Tumbuh 10,8% In the First Quarter of 2023, bank bjb Grows by 10,8%
Top Up ShopeePay Pakai DIGI by bank bjb, Dapatkan Hadiah Jutaan
78 Top Up ShopeePay with DIGI by bank bjb, Get Millions of Rupiah in Prizes!
Rupiah!
Daftarkan Karyawan Anda di DPLK bank bjb, Berhadiah Puluhan Register Your Employees in bank bjb’s DPLK, Win Tens of Millions of
79
Juta Rupiah! Rupiah in Prizes!
80 Nabung di bank bjb Bisa Dapat Tiket Nonton Fast X Saving at bank bjb Can Get You Fast X Movie Tickets
81 bank bjb Raih Predikat Top BUMD 2023 dari Infobank bank bjb Awarded Top BUMD 2023 by Infobank
Direksi bank bjb Raih Predikat Top 100 Outstanding Women bank bjb Directors Awarded Top 100 Outstanding Women Recognition
82
Recognition 2023 2023
83 Wargi Jabar Bisa Nikah Tanpa Modal di Bucinfest 2023 Residents of West Java Can Get Married Without Cost at Bucinfest 2023
Ratusan Peserta Nikah Massal yang Dibantu bank bjb, Dapat Hundreds of Mass Wedding Participants Assisted by bank bjb Receive
84
Bantuan Dana Hingga Didoakan Samara oleh Ridwan Kamil Financial Assistance and Blessings from Ridwan Kamil
Perjalanan 62 Tahun bank bjb Berkontribusi dan Mengakselerasi
85 bank bjb's 62-Year Journey Contributing to and Accelerating the Economy
Ekonomi
bank bjb Ikut Tawarkan ST010, Ada Cashback Menarik bagi
86 bank bjb Offers ST010, Attractive Cashback for Investors
Investor
87 Nabung di bank bjb Bisa Dapat Tiket Tau-Tau Fest 2023 Saving at bank bjb Can Get You Tau-Tau Fest 2023 Tickets
88 Nabung di bank bjb Bisa Dapat Tiket Konser Diva Bernyanyi Saving at bank bjb Can Get You Diva Singing Concert Tickets
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1063
Page 555
TATA KELOLA
PERUSAHAAN
No Judul Berita News Title
RUPSLB bank bjb 2023 Tunjuk Pengurus Baru Perkuat Tata Kelola RUPSLB bank bjb 2023 Appoints New Management to Strengthen Better
89
Perusahaan Semakin Baik Corporate Governance
90 Warga Jatim Kini Bisa Bayar Tagihan PDAM di bank bjb East Java Residents Can Now Pay PDAM Bills at bank bjb
91 bank bjb Sabet Penghargaan Best Bank 2023 Majalah Investor bank bjb Wins Best Bank 2023 Award from Investor Magazine
Nasabah Sambut Antusias Promo bjb Widescreen di XXI Citimall Customers Enthusiastically Welcome bjb Widescreen Promo at XXI Citimall
92
Cianjur Cianjur
93 Sukses Digelar, Tau-Tau Fest 2023 Berlangsung Meriah Successfully Held, Tau-Tau Fest 2023 is Joyous
Inagurasi Petani Milenial 2022, bank bjb Hadirkan Dukungan Nyata Inauguration of Millennial Farmers 2022, bank bjb Provides Real Support
94
Bagi Sektor Pertanian to the Agricultural Sector
95 Nonton The Flash bareng bank bjb, Nabung Bisa Dapat Tiket Watch The Flash with bank bjb, Saving Can Get You Tickets
Optimalkan Jamsostek, bank bjb Raih Paritrana Award 2022 Tingkat Optimizing Jamsostek, bank bjb Receives Paritrana Award 2022 at West
96
Provinsi Jawa Barat Java Provincial Level
Dengan Menabung di bank bjb Bisa Nonton Konser Sobat Festival
97 By Saving at bank bjb, You Can Watch Sobat Festival 2023 Concerts
2023
PT PII & Bank Bjb Kolaborasi dalam Pengembangan Ekosistem
PT PII & Bank Bjb Collaborate in Infrastructure Financing Ecosystem
98 Pembiayaan Infrastruktur melalui Skema Kerja sama Pemerintah
Development through Government-Business Cooperation Scheme (KPBU)
dengan Badan Usaha (KPBU)
Dukung Dunia Pendidikan, bank bjb Kolaborasi dengan Universitas
99 Supporting Education, bank bjb Collaborates with Trisakti University
Trisakti
100 Konser Diva Bernyanyi di Makassar Berlangsung Meriah Diva Singing Concert in Makassar Held Excitingly
101 Bisa Punya Rumah dengan DP 0 Persen Begini Caranya Own a House with 0 Percent DP, Here’s How
Nonton Konser Saloka Fest 2023 Dengan Cara Pintar Bersama bank
102 Watch Saloka Fest 2023 Concert Smartly with bank bjb
bjb
Banyak Promo di Reunion Fest 2023, bank bjb Manjakan Pengguna Many Promotions at Reunion Fest 2023, bank bjb Spoils DIGI or DigiCash
103
DIGI atau DigiCash Users
bjb WideScreen Hadirkan Pengalaman Baru Nonton Bareng The
104 bjb WideScreen Presents New Experience Watching The Flash in Samarinda
Flash di Samarinda
105 UMKM Terbang Tinggi Bersama bank bjb MSMEs Soar with bank bjb
bank bjb Kerja Sama dengan UGM, Jajaki Potensi Education
106 bank bjb Collaborates with UGM, Explores Education Payment Potentials
Payment
Kredit bjb Mesra bank bjb Raih Penghargaan Detik Jabar Awards
107 bjb Mesra Credit bank bjb Receives Detik Jabar Awards 2023
2023
Miliki Layanan Perbankan Prioritas Handal, bank bjb Raih
Having a Reliable Priority Banking Service, bank bjb Wins Three Awards at
108 Tiga Penghargaan di Infobank-MRI Banking Service Excellence
Infobank-MRI Banking Service Excellence Recognition 2023
Recognition 2023
Sambut Hari Raya Iduladha dengan DIGI Qurban Festival, Ada Welcoming Eid al-Adha with DIGI Qurban Festival, Discount on Qurban
109
Diskon Pembelian Hewan Qurban Animal Purchases
110 Sukses Digelar, Saloka Fest 2023 Disambut Antusias Successfully Held, Saloka Fest 2023 Welcomed Enthusiastically
Yuk Ikutkan Karyawan Anda di Program Pensiunan, Banyak Hadiah
111 Register Your Employees in the Pension Program, Many Exciting Prizes
Menarik
Konsisten Lakukan Inovasi, bank bjb Raih Dua Penghargaan di Consistently Innovating, bank bjb Wins Two Awards at Indonesia
112
Ajang Indonesia Innovation Awards 2023 Innovation Awards 2023
Per Triwulan 1 Tahun 2023, Jumlah Pengguna Aplikasi bjb DIGI
113 In the First Quarter of 2023, bjb DIGI App Users Reach 1.2 Million Users
Tembus 1,2 Juta User
Kebijakan BI Pertahankan Suku Bunga Acuan Bantu bank bjb BI's Policy to Maintain Benchmark Interest Rates Aids bank bjb in
114
Optimalisasi Penyaluran Kredit Optimizing Credit Distribution
115 KUB bank bjb dengan Bank Bengkulu Telah Memasuki Proses Akhir KUB bank bjb and Bank Bengkulu in Final Stages of Collaboration
Tahunan 2023
1064 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 556
CORPORATE
GOVERNANCE
No Judul Berita News Title
Pakai Layanan bjb Edupay, Pembayaran Dana Pendidikan Makin Use bjb Edupay Service, Education Funding Becomes Easier Joyful Reunion
116
Mudah Fest 2023 in Subang
117 Reunion Fest 2023 Subang Berlangsung Meriah Reunion Fest 2023 Subang Held Joyfully
Berlangsung Seru dan Meriah, bank bjb Manjakan Penonton Sobat
118 Held Excitingly and Joyfully, bank bjb Spoils Sobat Festival 2023 Audience
Festival 2023
Banjir Promo bjb DIGI di Jakcloth Summerfest Reload x Outfest Promotions Galore at Jakcloth Summerfest Reload x Outfest 2023 DIGI bjb
119
2023 DIGI
bjb Vaganza 2023, Transaksi Valuta Asing di bank bjb Raih Hadiah bjb Vaganza 2023, Foreign Exchange Transactions at bank bjb Win
120
Logam Mulia Precious Metal Prizes
Bertransaksi Obligasi di Pasar Sekunder melalui bank bjb, Bisa Bawa Transact Bonds in the Secondary Market through bank bjb, Take Home
121
Pulang Logam Mulia Precious Metals
Cycling De Jabar 2023, Momentum bank bjb Dorong Potensi Cycling De Jabar 2023, Opportunity for bank bjb to Boost Economy in
122
Perekonomian di Jabar Selatan South Jabar
123 Kejutan bjb Eduprize, Bayar Kuliah dapat Hadiah! bjb Eduprize Surprise, Paying Tuition can Get You Prizes!
Cara Asyik Dapat Tiket VIP Now Playing Festival Cirebon 2023 di Fun Way to Get VIP Tickets to Now Playing Festival Cirebon 2023 with
124
bank bjb bank bjb
Top Up Google Play melalui DIGI by bank bjb, Praktis dan Bisa Bawa Top Up Google Play through DIGI by bank bjb, Convenient and Can Bring
125
Pulang Rewards Jutaan Rupiah You Home Millions of Rupiah in Rewards
Wakili Indonesia, Bandung bjb Tandamata Siap Berlaga di SEA V Representing Indonesia, Bandung bjb Tandamata Ready to Compete in
126
League SEA V League
bank bjb Gelar Business Review Semester I 2023 dan Executive bank bjb Hosts Semester I 2023 Business Review and Executive Workshop
127
Workshop 2023 2023
128 Program Desa Digital bank bjb Ikuti ASEAN Village Network Digital Village Program by bank bjb Joins ASEAN Village Network
Salasa Kahiji Season 2023 Sudah Digelar, Jajal Trek Bandung- Salasa Kahiji Season 2023 Successfully Held, Explore the Bandung-
129
Lembang dengan Sepeda Plus Dapat Hadiah Lembang Trail by Bicycle and Win Prizes
Peringati Hari Anak Nasional, OJK dan bank bjb Gelar Kampanye Commemorating National Children's Day, OJK and bank bjb Conduct
130
Ayo Menabung di Bogor Savings Campaign in Bogor
Semester Pertama 2023, Kinerja bank bjb Menunjukkan In the First Semester of 2023, bank bjb's Performance Shows Positive
131
perkembangan Positif Development
Dukung Sektor UMKM Dengan Kemudahan Akses Finansial, bank Supporting the SME Sector with Easy Access to Financial Services, bank bjb
132
bjb Raih Penghargaan Receives an Award
Didukung Program CSR bank bjb, Baznas Jabar Resmikan Klinik In Collaboration with bank bjb's CSR Program, Baznas Jabar Inaugurates
133
Geriatri Inggit Garnasih the Inggit Garnasih Geriatric Clinic
DIGI dan DigiCash by bank bjb Dukung Kemudahan Belanja di Pasar DIGI and DigiCash by bank bjb Support Easy Shopping at West Java's
134
Kreatif Jawa Barat Creative Market
Akselerasi Bisnis, bank bjb Teken MoU dengan Asuransi Jasaraharja Business Acceleration, bank bjb Signs MoU with Jasaraharja Putera
135
Putera Insurance
bank bjb Raih “Diamond Throphy” dalam ajang 28th Infobank bank bjb Receives the "Diamond Trophy" at the 28th Infobank Banking
136
Banking Apreciation 2023 Appreciation 2023
Successfully Supporting for the Kejar Program, bank bjb Receives an
137 Sukses Dukung Program Kejar, bank bjb Terima Penghargaan OJK
Award from OJK
HUT Provinsi Jawa Barat ke-78, bank bjb Berikan Apresiasi 78th Anniversary of West Java Province, bank bjb Presents Appreciation
138
Penghargaan Nasabah Setia 2023 Awards to Loyal Customers in 2023
Terima Kunjungan Paskibraka Jawa Barat, bank bjb Beri Rewards Receiving a Visit from the West Java Paskibraka, bank bjb Provides Special
139
Istimewa Rewards
bank bjb Commemorates the 78th Anniversary of RI with Various Positive
140 bank bjb Memaknai HUT ke-78 RI dengan Berbagai Kegiatan Positif
Activities
141 Promo HUT RI ke-78 dari bank bjb, Cek Nih Daftarnya! Promos for the 78th Anniversary of RI from bank bjb, Check Them Out!
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1065
Page 557
TATA KELOLA
PERUSAHAAN
No Judul Berita News Title
Nonton Dewa 19 di Bandung, Dapatkan Potongan Harga Tiket Watch Dewa 19 in Bandung, Get Ticket Discounts through DIGI and
142
Lewat DIGI dan DigiCash by bank bjb DigiCash by bank bjb
Collaboration with bank bjb, West Java Provincial Government and
Kolaborasi dengan bank bjb, Permprov Jabar Bersama Pemkab
143 Sumedang Regency Government Officially Inaugurate Kujang Sapasang
Sumedang Resmikan Menara Kujang Sapasang
Tower
bank bjb Berbagi 100 Paket Sembako kepada Nelayan Warga Pulau bank bjb Distributes 100 Packages of Basic Commodities to Fishermen on
144
Panjang, Serang, Banten Panjang Island, Serang, Banten
bank bjb Turut Berpartisipasi Dalam Peringatan Hari UMKM bank bjb Participates in Commemorating National MSME Day Through the
145 Nasional Melalui Penyerahan Kredit Usaha Rakyat (KUR) dan Distribution of People's Business Credit (KUR) and Various Promotions at
Beragam Promo pada Nasional Expo 2023 the National Expo 2023
146 bank bjb Bangun 6 Ruang Kelas Baru di SDN Pondok Cina bank bjb Builds 6 New Classrooms at SDN Pondok Cina
Citra dan Reputasi Perusahaan Terus Meningkat, bank bjb Raih 2 Company Image and Reputation Continue to Improve, bank bjb Receives 2
147
Penghargaan di Corporate Reputation Awards 2023 Awards at the Corporate Reputation Awards 2023
Menikmati Keseruan Seuhahhh Festival dengan Banyak Promo dari Enjoy the Excitement of the Seuhahhh Festival with Many Promotions from
148
bank bjb bank bjb
149 Peresmian Gedung Kantor bank bjb di T Tower, Jakarta Inauguration of bank bjb Office Building at T Tower, Jakarta
Buka Perdagangan Bursa Efek Indonesia, Pemprov Jabar, BEI, OJK, Opening of Indonesia Stock Exchange Trading, West Java Provincial
150 bank bjb serta bjb Sekuritas Siap Akselerasi Literasi & Inklusi Pasar Government, IDX, OJK, bank bjb, and bjb Securities Ready to Accelerate
Modal Kepada ASN Literacy & Capital Market Inclusion for Civil Servants
bank bjb Raih Penghargaan Peringkat I BPD Kategori Besar di Ajang bank bjb Receives the Rank I Award for Large BPD Category at the BUMD
151
BUMD Award 2023 Award 2023 Event
Tingkatkan Pelayanan Bagi Nasabah di Banjarmasin, bank bjb Improving Services for Customers in Banjarmasin, bank bjb Relocates to a
152
Relokasi Kantor Baru New Office
Nonton Gelaran Delapan Belas Coffe & Music Festival Vol 2 Pakai Watch the Eighteen Coffe & Music Festival Vol 2 Event Using DIGI and
153
DIGI dan DigiCash Banyak Untungnya DigiCash for Many Benefits
bank bjb Dukung Perdagangan Karbon Untuk Cegah Perubahan
154 bank bjb Supports Carbon Trading to Prevent Climate Change
Iklim
bjb WideScreen Expendables 4 di Gandaria City Jakarta Disambut bjb WideScreen Expendables 4 at Gandaria City Jakarta Welcomed Merrily
155
Meriah Nasabah bank bjb by bank bjb Customers
Dukung Pertumbuhan Pariwisata, bank bjb Kolaborasi dengan
156 Supporting Tourism Growth, bank bjb Collaborates with Citilink
Citilink
bank bjb Akselerasi Sektor Peternakan dan Agribisnis, bank bjb bank bjb Accelerates the Livestock and Agribusiness Sectors, Supporting
157
Dukung Silatnas National Silatnas
bank bjb Raih Top 50 Emiten di 14th IICD Corporate Governance bank bjb Receives Top 50 Issuers at the 14th IICD Corporate Governance
158
Award 2023 Award 2023
159 Asik, Nabung di bank bjb Bisa Dapat Tiket Nonton Expendables 4 Cool, Saving at bank bjb Can Get Tickets to Watch Expendables 4
Peringati HAORNAS dan HUT Tangsel, bank bjb Dukung Sport Commemorating HAORNAS and Tangsel Anniversary, bank bjb Supports
160
Tourism” Tangsel Marathon 2023” Sport Tourism Tangsel Marathon 2023
bank bjb Tebar Rewards untuk Pengguna DIGI dan DigiCash di bank bjb Throws Rewards for DIGI and DigiCash Users at ABSTRACT VIII
161
Pentas Seni ABSTRAK VIII Art Performance
162 Dukung Percepatan Bisnis, bank bjb Resmikan KCP Purwokerto Supporting Business Acceleration, bank bjb Inaugurates Purwokerto KCP
Sukses Kelola Bisnis dengan Baik, bank bjb Sabet Tiga Penghargaan Successfully Managing Business, bank bjb Wins Three Awards at the TOP
163
di Ajang TOP GRC Award 2023 GRC Award 2023 Event
bank bjb Berikan Kemudahan Dapatkan Tiket VIP Kerlap Kerlip
164 bank bjb Makes it Easy to Get VIP Tickets to the Kerlap Kerlip Festival 2023
Festival 2023
bank bjb Salurkan Tunjangan Operasional ke 1.855 Anggota bank bjb Distributes Operational Allowances to 1,855 Members of Korem
165
Babinsa Korem 062 Tarumanegara 062 Tarumanegara
Harpelnas 2023, bank bjb Komitmen Tingkatkan Layanan Demi Harpelnas 2023, bank bjb Committed to Improving Services for Customer
166
Kepuasan Pelanggan Satisfaction
Dorong Pemberdayaan Wisata, Ekonomi Kreatif Hingga UMKM, Promoting Tourism Empowerment, Creative Economy to MSMEs, bank bjb
167
bank bjb Dukung Gelaran West Java Festival 2023 Supports the West Java Festival 2023 Event
Tahunan 2023
1066 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 558
CORPORATE
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No Judul Berita News Title
Nasabah bank bjb Bawa Pulang Hadiah Jutaan Rupiah pada Undian bank bjb Customers Take Home Millions of Rupiah in Prizes at the National
168
Nasional Simpeda di Makassar- Sulawesi Selatan Simpeda Draw in Makassar, South Sulawesi
Terpilih Menjadi Ketua Umum Asbanda, Yuddy Dorong BPD Makin Elected as Chairman of Asbanda, Yuddy Encourages Greater Synergy
169
Bersinergi among BPDs
170 Hanya di bank bjb, Nabung Bisa Bawa Pulang Cashback Menarik Only at bank bjb, Saving Can Bring Attractive Cashback
Perkuat Sinergi, bank bjb Tandatangani Adendum Perpanjangan Strengthening Synergy, bank bjb Signs an Addendum to Extend the PKS
171
PKS dengan TNI AD with the TNI AD
Akselerasi Ekonomi, bank bjb Terlibat dalam Kredit Sindikasi Economic Acceleration, bank bjb Participates in Syndicated Loans for the
172
Pembangunan Pabrik Pusri IIIB Construction of Pusri IIIB Factory
Didukung bank bjb, Kerlap Kerlip Festival Disambut Antusias Supported by bank bjb, Kerlap Kerlip Festival Welcomed Enthusiastically
173
Pengunjung by Visitors
Konsisten Lakukan Inovasi, bank bjb Jadi Jawara di Ajang KIJB 2023 Consistently Innovating, bank bjb Becomes the Champion in the KIJB 2023
174
Kategori BUMN BUMD di Jawa Barat Event in the BUMN BUMD Category in West Java
Nabung dan Buka DPLK di bank bjb, Bisa Dapat Tiket Konser Cerita Save and Open DPLK at bank bjb, Can Get Tickets to the Intimate
175
Cinta Intimate Collaborate Collaborate Love Story Concert
Mendorong Sinergitas BPD, bank bjb dan Bank Maluku Malut Encouraging BPD Synergy, bank bjb and Bank Maluku Malut Sign a
176
Teken MoU Sinergi Bisnis Business Synergy MoU
Dukung Pembayaran Jalan Tol Nir Sentuh, bank bjb Kolaborasi Supporting Payment for Toll Roads Not Reached, bank bjb Collaborates
177
dengan Roatex dan Dwi with Roatex and Dwi
Ayo Kunjungi Digi Ceria Festival, Banyak Promo dan Hadiah
178 Let's Visit the Digi Ceria Festival, Many Promotions and Abundant Prizes
Melimpah
bank bjb Tawarkan ORI 024, Semakin Menarik dengan Tenor
179 bank bjb Offers ORI 024, Even More Attractive with Tenors up to 6 Years
hingga 6 Tahun
Dirut bank bjb Yuddy Renaldi Raih Penghargaan Best Performance bank bjb CEO Yuddy Renaldi Receives the Best Performance CEO 2023
180
CEO 2023 Award
bank bjb Dukung Event Celestia, Hadirkan Promo Diskon Hingga bank bjb Supports the Celestia Event, Offers Discounts and Fastlane Entry
181
Fastlane Untuk Masuk ke Lokasi to the Venue
182 bank bjb Raih Paritrana Award 2023 dari BPJS Ketenagakerjaan bank bjb Receives the Paritrana Award 2023 from BPJS Ketenagakerjaan
Akselerasi Dunia Olahraga, bank bjb Dukung Acara PORTUE Accelerating the World of Sports, bank bjb Supports the PORTUE Bandung
183
Bandung Championship Championship Event
184 Perluas Literasi Keuangan, bank bjb Gelar Bankers Cilik Wide Screen Expand Financial Literacy, bank bjb Holds Bankers Cilik Wide Screen
Menparekraf Sandiaga Uno Dukung YEZ 3.0 by bank bjb, Ajak Minister of Tourism and Creative Economy Sandiaga Uno Supports YEZ 3.0
185
Pebisnis Muda Ikut Serta by bank bjb, Invites Young Entrepreneurs to Participate
Dukung Pemerataan Akses Keuangan, bank bjb Ambil Bagian Supporting Financial Access Equality, bank bjb Participates in Fin Expo
186
Dalam Fin Expo 2023 2023
Sukses Digelar, bank bjb Dukung Bulan Inklusi Keuangan di Jawa Successfully Held, bank bjb Supports Financial Inclusion Month in West
187
Barat Java
Catatkan Laba Rp1,7 Triliun, bank bjb Lanjutkan Pertumbuhan Recorded Profits of Rp1.7 Trillion, bank bjb Continues Business Growth
188
Bisnis Sepanjang Triwulan III 2023 Throughout the Third Quarter of 2023
189 Triwulan III 2023, Penyaluran Kredit bank bjb Tumbuh 10,2% Third Quarter of 2023, bank bjb's Credit Disbursement Grows by 10.2%
Pengunjung Konser Cerita Cinta Sumringah, Dapat Banyak Promo
190 Sumringah Concert Visitors Receive Many Promotions from bank bjb
dari bank bjb
Didukung bank bjb, Konser Atma Asta REINERVA Berlangsung
191 Supported by bank bjb, the Atma Asta REINERVA Concert is Held Joyfully
Meriah
192 Perluas Akses Pembiayaan, bank bjb dan Jamkrindo Jalin Kerja Expanding Financing Access, bank bjb and Jamkrindo Collaborate
Nabung di bank bjb Langsung Dapat Tiket Vindes Sport - Tepok
193 Saving at bank bjb Directly Gets Vindes Sport - Tepok Bulu 2023 Tickets
Bulu 2023
bank bjb Terbitkan NCD Untuk Dukung Penyediaan Perumahan
194 bank bjb Issues NCDs to Support Housing Provision through BP Tapera
melalui BP Tapera
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1067
Page 559
TATA KELOLA
PERUSAHAAN
No Judul Berita News Title
Terapkan Prinsip Keberlanjutan, bank bjb Raih Platinum Rank Asia Implementing Sustainable Principles, bank bjb Receives Platinum Rank in
195
Sustainability Reporting Rating 2023 the Asia Sustainability Reporting Rating 2023
Didukung bank bjb, Event Soenda Fest 2023 di Batam Berlangsung Supported by bank bjb, the Soenda Fest 2023 Event in Batam is Held
196
Meriah Joyfully
197 Perkuat Sinergitas, bank bjb Tandatangani PKS Dengan TNI AL Strengthening Synergy, bank bjb Signs PKS with the TNI AL
bank bjb Raih ‘Best Digital Technology and IOT Implementation bank bjb Receives the 'Best Digital Technology and IOT Implementation
198
2023 in Banking Industry’ dari Business Asia 2023 in Banking Industry' Award from Business Asia
bank bjb Raih Penghargaan Best Regional Bank dalam CNBC bank bjb Receives the Best Regional Bank Award at the CNBC Indonesia
199
Indonesia Awards 2023 Awards 2023
Dukung Sektor Perumahan, bank bjb Tandatangani PKS KPR Supporting the Housing Sector, bank bjb Signs KPR PKS with 27
200
dengan 27 Pengembang Developers
Dukung Ekonomi Hijau, bank bjb Tawarkan Sukuk Pemerintah Supporting Green Economy, bank bjb Offers Government Sukuk ST011
201
ST011 dengan Penawaran Menarik with Attractive Offers
bank bjb Hadirkan Berbagai Promo Menarik di Konser Now Playing bank bjb Presents Various Attractive Promotions at the Iconic Momento
202
Festival Iconic Momento 2023 2023 Now Playing Festival Concert
Tingkatkan Sinergi dan Kolaborasi, bank bjb dan Telkomsel Strengthening Synergy and Collaboration, bank bjb and Telkomsel Sign
203
Tandatangani MoU MoU
Optimalkan Lelang Eksekusi, bank bjb Kolaborasi dengan DJKN Optimizing Execution Auctions, bank bjb Collaborates with DJKN Ministry
204
Kemenkeu of Finance
Naik Kelas, BjbR Juara ARA 2022 Kategori Perusahaan Go Publik Moving Up, BjbR Wins ARA 2022 in the Financial Publicly Listed Company
205
Keuangan Category
bank bjb Raih Best 50 Financial Institution Awards 2023 dari The bank bjb Receives the Best 50 Financial Institution Awards 2023 from The
206
Iconomic Iconomics
Konsisten Berkontribusi Jaga Pertumbuhan Ekonomi, bank bjb Raih Consistently Contributing to Economic Growth, bank bjb Receives the BI
207
BI Award 2023 Award 2023
Mampu Lahirkan SDM Unggul dan Agile, bank bjb kembali Sabet Capable of Producing Excellent and Agile Human Resources, bank bjb
208
Human Capital & Performance Awards 2023 Once Again Receives Human Capital & Performance Awards 2023
Konsisten Berikan Informasi dengan Transparan dan Akuntabel, bjb Consistently Providing Transparent and Accountable Information, bjb
209
Raih Anugerah Keterbukaan Informasi Publik 2023 Receives the Public Information Openness Award 2023
Komitmen Terapkan Bisnis Berkelanjutan, bank bjb Sabet Commitment to Implement Sustainable Business, bank bjb Receives
210
Penghargaan di Ajang ESG Disclosure Awards 2023 Awards at the ESG Disclosure Awards 2023 Event
bank bjb Raih Best Digital Finance for E-Banking Transactions in bank bjb Receives the Best Digital Finance for E-Banking Transactions in
211
Real Time Real Time
bank bjb Raih Penghargaan Top 20 Financial Institution 2023 dari bank bjb Receives the Top 20 Financial Institution 2023 Award from The
212
The Finance Finance
Perkuat Kerjasama, bank bjb Gelar Gathering dengan Pemred Strengthening Cooperation, bank bjb Holds a Gathering with Mass Media
213
Media Massa dan PWI Pusat Editors-in-Chief and PWI Central
Perkuat Sinergi, bank bjb dan PT Pos Indonesia Perpanjang Strengthening Synergy, bank bjb and PT Pos Indonesia Extend Cooperation
214
Perjanjian Kerjasama Agreement
215 Program Heboh Awal Tahun Bagi Agen Laku Pandai Exciting Early Year Program for Laku Pandai Agents
Program Pembiayaan bank bjb, Dapat Bunga Khusus Sampai Awal bank bjb Financing Program, Special Interest Rates Until the Beginning of
216
Tahun the Year
Tingkatkan Layanan Digital, bank bjb Semarang Relokasi Kantor Improving Digital Services, bank bjb Semarang Relocates to a New Office
217
Baru dengan Konsep Hybrid Banking with Hybrid Banking Concept
Konsisten Akselerasi Bisnis bank bjb, 3 Direksi bank bjb Raih Consistently Accelerating bank bjb's Business, 3 bank bjb Directors Receive
218
Penghargaan dari Infobank Awards from Infobank
Konsisten Berikan Informasi dengan Transparan dan Akuntabel, bjb Consistently Providing Transparent and Accountable Information, bjb
219
Raih Anugerah Keterbukaan Informasi Publik 2023 Receives the Public Information Openness Award 2023
Konsisten Berkontribusi Jaga Pertumbuhan Ekonomi, bank bjb Raih Consistently Contributing to Economic Growth, bank bjb Receives the BI
220
BI Award 2023 Award 2023
Mampu Jaga Pertumbuhan Bisnis, Direksi bank bjb Raih Best CMO Capable of Maintaining Business Growth, bank bjb Directors Receive the
221
Award 2023 Best CMO Award 2023
Tahunan 2023
1068 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
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No Judul Berita News Title
Mampu Lahirkan SDM Unggul dan Agile, bank bjb kembali Sabet Capable of Producing Excellent and Agile Human Resources, bank bjb
222
Human Capital & Performance Awards 2023 Once Again Receives Human Capital & Performance Awards 2023
bank bjb Raih Best Digital Finance for E-Banking Transactions in bank bjb Receives the Best Digital Finance for E-Banking Transactions in
223
Real Time Real Time
Berkontribusi Signifikan Dukung Inklusivitas Keuangan, bank bjb Significantly Contributing to Financial Inclusivity, bank bjb Receives the LPS
224
Raih LPS Banking Award 2023 Banking Award 2023
Bisnis terus bertumbuh di tengah tantangan kondisi ekonomi, bjb Business Continues to Grow Amid Economic Challenges, bjb Focuses on
225
Fokus lanjutkan strategi KUB di tahun depan Continuing KUB Strategies Next Year
226 bjb Mesra, Skema Pinjaman Tanpa Bunga untuk Usaha Mikro bjb Mesra, Interest-Free Loan Scheme for Micro Businesses
Dukung Kelancaran Tugas Babinsa, bank bjb Salurkan Tunjangan Supporting the Smoothness of Babinsa Duties, bank bjb Distributes
227
Operasional Operational Allowances
Jadikan GCG Fondasi Bisnis, bank bjb Raih Penghargaan di Ajang Making GCG the Business Foundation, bank bjb Receives Awards at the
228
CGPI Award 2023 CGPI Award 2023 Event
Komitmen Terapkan Bisnis Berkelanjutan, bank bjb Sabet
Commitment to Implement Sustainable Business, bank bjb Receives
229 Penghargaan di Ajang ESG Disclosure Awards 2023
Awards at the ESG Disclosure Awards 2023 Event
bank bjb Kembali Dipercaya Sebagai Penempatan RKUD Kota
230 bank bjb Once Again Trusted as the Placement of RKUD Kota Tangsel
Tangsel
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1069
Page 561
TATA KELOLA
PERUSAHAAN
Buletin Bulletin
Perseroan secara rutin menerbitkan buletin melalui aplikasi Media The Company routinely publishes bulletins through the internal
komunikasi internal pegawai yaitu human capital solution - HCS employee communication media application, namely human
Mobile dimana setiap harinya kami melakukan broadcast News capital solution - HCS Mobile, where every day we broadcast the
terkini yang penting untuk diketahui Pegawai. latest news that is important for employees to know.
Kategori/Tema yang tersedia di HCS News diantaranya: Categories/Themes available on HCS News include:
- Berita Keluarga Kita - Berita Keluarga Kita
- Bjb Club - Bjb Club
- Bjb Info - Bjb Info
- CEO’s Messages - CEO’s Messages
- Great People - Great People
- HC in Action - HC in Action
- HC Insight & Innovation - HC Insight & Innovation
- Worklife - Worklife
Beberapa News yang sudah diposting selama Tahun 2023: Some news that has been posted during 2023:
Catat, 6 Makanan Ini Tidak Boleh Disantap bank bjb Hadirkan Layanan Digital Contact
Berdekatan dengan Nasi Center 24 jam untuk Nasabah Setia
Mana yang Bikin Gemuk, Kalori atau bank bjb Cilegon Berbagi
Karbohidrat?
Tahunan 2023
1070 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 562
CORPORATE
GOVERNANCE
Majalah bjb prioritas di tahun 2023 terdiri dari 4 (empat) edisi Prioritas bjb magazine in 2023 consists of 4 (four) editions with
dengan tema yang berkesinambungan, sebagai berikut: continuous themes, as follows:
1 Edisi 31, dengan Tema Indonesia Sehat Terbit di bulan Maret 2023.
Edition 31, with the theme Healthy Indonesia Published in March
2 Edisi 32, dengan Tema Indonesia Hijau Terbit di bulan Juni 2023.
Edition 32, with a Green Indonesia Theme, will be published in June
2023 2023
3 Edisi 33, dengan Tema New Direction of Lifestyle Terbit di bulan
September 2023.
4 Edisi 34, dengan Tema Green LIving Terbit di bulan Desember 2023.
Edition 34, with the theme Green Living, published in December
Edition 33, with the theme New Direction of Lifestyle, published in 2023.
September 2023
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1071
Page 563
TATA KELOLA
PERUSAHAAN
Transparansi Penyampaian Laporan Transparency of Report Submission
Tanggal Penyampaian
No. Surat Perihal
No Laporan
Letter Number Subject
Report Submission Date
Laporan Informasi atau Fakta Material Penyertaan Modal Lanjutan 5 Januari 2023
1 003/DIR-MAP/2023
Report on Information or Material Facts of Advanced Capital Investment January 5, 2023
Laporan Bulanan Registrasi Pemegang Efek Periode Desember 2022 10 Januari 2023
2 0013/DIR-CSE/2023
Monthly Securities Holder Registration Report for December 2022 Period January 10, 2023
Laporan Bulanan Registrasi Pemegang Efek Periode Januari 2024 10 Februari 2023
3 0098/DIR-CSE/2023
Monthly Report on Securities Holder Registration for January 2024 Period February 10, 2023
Pemberitahuan Rencana Rapat Umum Pemegang Saham Tahunan 24 Februari 2023
4 0136/DIR-CSE/2023
Notification of Plans for the Annual General Meeting of Shareholders February 24, 2023
Penyampaian Bukti Iklan Pemberitahuan RUPS 24 Februari 2023
5 0136A/DIR-CSE/2023
Submission of Proof of GMS Notification Advertisement February 24, 2023
Laporan Informasi atau Fakta Material Keterbukaan Informasi dalam rangka rencana
Perseroan untuk Melakukan Penambahan Modal Dengan Memberikan Hak Memesan
24 Februari 2023
6 002/TIM-P3M/2023 Efek Terlebih Dahulu II (PMHMETD II)
February 24, 2023
Information Report or Material Facts Information Disclosure in the framework of the
Company’s plan to Increase Capital by Providing Pre-emptive Rights II (PMHMETD II)
Laporan Informasi atau Fakta Material Penyampaian Laporan Keuangan Periode 31
Desember 2022 (Audited) 28 Februari 2023
7 0137/DIR-PKE/2023
Information Report or Material Facts Submission of Financial Reports for the Period of February 28, 2023
December 31, 2022 (Audited)
Penyampaian Bukti Iklan Informasi Laporan Keuangan Tahunan 28 Februari 2023
8 0158/DIR-CSE/2023
Submission of Proof of Advertisement of Annual Financial Report Information February 28, 2023
Laporan Bulanan Registrasi Pemegang Efek Periode Februari 2023 8 Maret 2023
9 0165/DIR-CSE/2023
Monthly Securities Holder Registration Report for February 2023 Period March 8, 2023
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka 10 Maret 2023
10 382/CSE-HIN/2023
Ownership Report or Any Changes in Ownership of Public Company Shares March 10, 2023
Laporan Informasi atau Fakta Material Keterbukaan Informasi mengenai Pembatalan
Agenda Persetujuan atas rencana Penambahan Modal Dengan Memberikan Hak Memesan
0182/DIR-CSE/2023 Efek Terlebih Dahulu II (PMHMETD II) Perseroan pada RUPS Tahunan Tahun Buku 2022 13 Maret 2023
11
Information Report or Material Facts Information Disclosure regarding the Cancellation of March 13, 2023
the Approval Agenda for the Company’s Capital Increase Plan by Providing Pre-emptive
Rights II (PMHMETD II) at the Annual GMS for Financial Year 2022
Pemanggilan Rapat Umum Pemegang Saham Tahunan 13 Maret 2023
12 0180/DIR-CSE/2023
Invitation to the Annual General Meeting of Shareholders March 13, 2023
Penyampaian Bukti Iklan Panggilan RUPS 13 Maret 2023
13 0181/DIR-CSE/2023
Submission of Proof of Advertisement for GMS Invitation March 13, 2023
Penyampaian Laporan Tahunan dan Berkelanjutan Tahun 2022 13 Maret 2023
14 0179/DIR-CSE/2023
Submission of the 2022 Annual and Sustainable Report March 13, 2023
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka 20 Maret 2023
15 143/CSE-HIN/2023
Ownership Report or Any Changes in Ownership of Public Company Shares March 20, 2023
Ringkasan Risalah Rapat Umum Para Pemegang Saham Tahunan 5 April 2023
16 0233/DIR-CSE/2023
Summary of Minutes of the Annual General Meeting of Shareholders April 5, 2023
Penyampaian Bukti Iklan Hasil RUPS 5 April 2023
17 0232/DIR-CSE/2023
Submission of Evidence of Advertisement of GMS Results April 5, 2023
Keterbukaan Informasi terkait Aksi Korporasi - Dividen Tunai 5 April 2023
18 0233A/DIR-CSE/2023
Disclosure of Information related to Corporate Actions - Cash Dividends April 5, 2023
Laporan Bulanan Registrasi Pemegang Efek Periode Maret 2023 10 April 2023
19 0234/DIR-CSE/2023
Monthly Report on Securities Holder Registration for March 2023 Period April 10, 2023
Laporan Hasil Pemeringkatan Pemeringkatan Tahunan 10 April 2023
20 0239/DIR-CSE/2023
Annual Ranking Results Report April 10, 2023
Tahunan 2023
1072 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 564
CORPORATE
GOVERNANCE
Tanggal Penyampaian
No. Surat Perihal
No Laporan
Letter Number Subject
Report Submission Date
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka 17 April 2023
21 0628/CSE-HIN/2023
Ownership Report or Any Changes in Ownership of Public Company Shares April 17, 2023
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka 17 April 2023
22 0629/CSE-HIN/2023
Ownership Report or Any Changes in Ownership of Public Company Shares April 17, 2023
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka 17 April 2023
23 0630/CSE-HIN/2023
Ownership Report or Any Changes in Ownership of Public Company Shares April 17, 2023
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka 17 April 2023
24 0631/CSE-HIN/2023
Ownership Report or Any Changes in Ownership of Public Company Shares April 17, 2023
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka 17 April 2023
25 0632/CSE-HIN/2023
Ownership Report or Any Changes in Ownership of Public Company Shares April 17, 2023
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka 17 April 2023
26 0633/CSE-HIN/2023
Ownership Report or Any Changes in Ownership of Public Company Shares April 17, 2023
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka 17 April 2023
27 0634/CSE-HIN/2023
Ownership Report or Any Changes in Ownership of Public Company Shares April 17, 2023
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka 17 April 2023
28 0635/CSE-HIN/2023
Ownership Report or Any Changes in Ownership of Public Company Shares April 17, 2023
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka 17 April 2023
29 0636/CSE-HIN/2023
Ownership Report or Any Changes in Ownership of Public Company Shares April 17, 2023
Pemberitahuan Rencana Rapat Umum Pemegang Saham Luar Biasa 18 April 2023
30 0260/DIR-CSE/2023
Notification of Plans for Extraordinary General Meeting of Shareholders April 18, 2023
Penyampaian Bukti Iklan Pemberitahuan RUPS 18 April 2023
31 0261/DIR-CSE/2023
Submission of Proof of GMS Notification Advertisement April 18, 2023
Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim 29 April 2023
32 0270/DIR-CSE/2023
Submission of Proof of Advertisement of Interim Financial Report Information April 29, 2023
Pemanggilan Rapat Umum Pemegang Saham Luar Biasa 3 Mei 2023
33 0280/DIR-CSE/2023
Invitation to the Extraordinary General Meeting of Shareholders May 3, 2023
Penyampaian Bukti Iklan Panggilan RUPS 3 Mei 2023
34 0281/DIR-CSE/2023
Submission of Proof of Advertisement for GMS Invitation May 3, 2023
Risalah Rapat Umum Para Pemegang Saham Tahunan 4 Mei 2023
35 0289/DIR-CSE/2023
Minutes of the Annual General Meeting of Shareholders May 4, 2023
Laporan Bulanan Registrasi Pemegang Efek Periode April 2023 8 Mei 2023
36 0286/DIR-CSE/2023
Monthly Securities Holder Registration Report for April 2023 Period May 8, 2023
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka 10 Mei 2023
37 0730/CSE-HIN/2023
Ownership Report or Any Changes in Ownership of Public Company Shares May 10, 2023
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka 16 Mei 2023
38 0795/CSE-HIN/2023
Ownership Report or Any Changes in Ownership of Public Company Shares May 16, 2023
Ringkasan Risalah Rapat Umum Para Pemegang Saham Luar Biasa 27 Mei 2023
39 0325/DIR-CSE/2023
Summary of Minutes of the Extraordinary General Meeting of Shareholders May 27, 2023
Perubahan Pengurus 27 Mei 2023
40 0326/DIR-CSE/2023
Change of Management May 27, 2023
Penyampaian Bukti Iklan Hasil RUPS 28 Mei 2023
41 0327/DIR-CSE/2023
Submission of Evidence of Advertisement of GMS Results May 28, 2023
Laporan Bulanan Registrasi Pemegang Efek Periode April 2023 9 Juni 2023
42 0336/DIR-CSE/2023
Monthly Securities Holder Registration Report for April 2023 Period June 9, 2023
Laporan Evaluasi terhadap pelaksanaan pemberian jasa audit atas informasi keuangan
21 Juni 2023
43 17/DKO/2023 historis tahunan oleh AP dan atau KAP
June 21, 2023
Audit of annual historical financial information by AP and/or KAP
Risalah Rapat Umum Para Pemegang Saham Luar Biasa 23 Juni 2023
44 0389/DIR-CSE/2023
Minutes of the Extraordinary General Meeting of Shareholders June 23, 2023
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1073
Page 565
TATA KELOLA
PERUSAHAAN
Tanggal Penyampaian
No. Surat Perihal
No Laporan
Letter Number Subject
Report Submission Date
Laporan Informasi atau Fakta Material Perubahan Pemegang Saham Pengendali (PSP) PT 3 Juli 2023
BPR Karya Utama Jabar July 3, 2023
45 10053/DIR-APE/2023
Information Report or Material Facts on Changes in Controlling Shareholders (PSP) of PT
BPR Karya Utama West Java
Laporan Bulanan Registrasi Pemegang Efek Periode Juni 2023 10 Juli 2023
46 0417/DIR-CSE/2023
Monthly Report on Securities Holder Registration for the Period of June 2023 July 10, 2023
Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim 27 Juli 2023
47 0476/DIR-CSE/2023
Submission of Proof of Advertisement of Interim Financial Report Information July 27, 2023
Laporan Hasil Pemeringkatan Pemeringkatan Tahunan 2 Agustus 2023
48 0493/DIR-TRE/2023
Annual Ranking Results Report August 2, 2023
Laporan Bulanan Registrasi Pemegang Efek Periode Juli 2023 8 Agustus 2023
49 0503/DIR-CSE/2023
Monthly Securities Holder Registration Report for the Period of July 2023 August 8, 2023
Laporan Informasi atau Fakta Material Pengefektifan Pengurus - Dewan Komisaris
11 Agustus 2023
50 0524/DIR-CSE/2023 Information Report or Material Facts on the Effectiveness of Management - Board of
August 11, 2023
Commissioners
Laporan Informasi atau Fakta Material Kesiapan Perusahaan Untuk Pembayaran Obligasi
Jatuh Tempo atas Obligasi Berkelanjutan I bank bjb Tahap II Tahun 2018 Seri B 5 September 2023
51 0580/DIR-TRE/2023
Information Report or Material Facts on the Company’s Readiness for Payment of September 5, 2023
Maturity Bonds on bank bjb Continuous Bonds I Phase II 2018 Series B
Laporan Bulanan Registrasi Pemegang Efek Periode Agustus 2023 8 September 2023
52 0573/DIR-CSE/2023
Monthly Securities Holder Registration Report for the Period of August 2023 September 8, 2023
Laporan Informasi atau Fakta Material Siaran Pers Penandat
anganan Nota Kesepahaman Sinergi Bisnis bank bjb dengan Bank Maluku Malut 5 Oktober 2023
53 1561/CSE-HIN/2023
Information Report or Material Facts Press Release Signing of Memorandum of October 5, 2023
Understanding on bank bjb Business Synergy with Bank Maluku Malut
Laporan Bulanan Registrasi Pemegang Efek Periode September 2023 10 Oktober 2023
54 0654/DIR-CSE/2023
Monthly Report on Securities Holder Registration for the Period of September 2023 October 10, 2023
Rencana Penyelenggaraan Public Expose - Tahunan 17 Oktober 2023
55 1608/CSE-HIN/2023
Plan for Organizing Public Expose - Annually October 17, 2023
Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim 25 Oktober 2023
56 0727/DIR-CSE/2023
Submission of Proof of Advertisement of Interim Financial Report Information October 25, 2023
Penyampaian Materi Public Expose - Tahunan 26 Oktober 2023
57 1689/CSE-HIN/2023
Submission of Public Expose Material - Annually October 26, 2023
Laporan Hasil Public Expose - Tahunan 2 November 2023
58 1740/CSE-HIN/2023
Public Expose Results Report - Annual November 2, 2023
Laporan Informasi atau Fakta Material Penyampaian Hasil Pemeringkatan oleh PT Fitch
Ratings Indonesia 7 November 2023
59 0753/DIR-CSE/2023
Information Report or Material Facts Submission of Rating Results by PT Fitch Ratings November 7, 2023
Indonesia
Laporan Bulanan Registrasi Pemegang Efek Periode Oktober 2023 9 November 2023
60 0749/DIR-CSE/2023
Monthly Report on Securities Holder Registration for the Period of October 2023 November 9, 2023
Laporan Informasi atau Fakta Material Siaran Pers Penandatanganan Nota Kesepahaman
Sinergi Bisnis bank bjb dengan Bank Jambi 30 November 2023
61 1893/CSE-HIN/2023
Information Report or Material Facts Press Release Signing of Memorandum of November 30, 2023
Understanding on bank bjb Business Synergy with Bank Jambi
Laporan Bulanan Registrasi Pemegang Efek Periode November 2023 8 Desember 2023
62 0817/DIR-CSE/2023
Monthly Report on Securities Holder Registration for the Period of November 2023 December 8, 2023
Pengefektifan Penyertaan Modal Lanjutan Kepada PT BPR Intan Jabar 22 Desember 2023
63 0890/DIR-MAP/2023
Effectiveness of Further Capital Inclusion to PT BPR Intan Jabar December 22, 2023
Tahunan 2023
1074 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 566
CORPORATE
GOVERNANCE
Kode Etik Code of Ethics
Kode etik adalah suatu sistem norma, nilai dan juga aturan The code of ethics is a system of norms, values as well as written
profesional tertulis yang secara tegas menyatakan perbuatan apa professional rules that expressly state what actions are right or
saja yang benar atau salah, perbuatan apa yang harus dilakukan wrong, what actions must be done and what actions should be
dan perbuatan apa yang harus dihindari. Secara singkatnya definisi avoided. In short, the definition of a code of ethics is a pattern of
kode etik yaitu suatu pola aturan, tata cara, tanda, pedoman rules, procedures, signs, ethical guidelines when carrying out an
etis ketika melakukan suatu kegiatan atau suatu pekerjaan. activity or a job. bank bjb considers it important and gives special
bank bjb memandang penting dan memberikan perhatian yang attention to the application of the code of ethics. Therefore, the
khusus terhadap penerapan kode etik. Oleh sebab itu bank telah bank bjb has established a Code of Conduct that guides the
menetapkan Code of Conduct yang menjadi pedoman insan people of the Company in building relationships with stakeholders.
bank dalam membangun hubungan dengan para pemangku
kepentingan (stakeholders).
Di samping itu, kode etik merupakan salah satu perangkat yang In addition, the code of ethics is one of the tools established by the
ditetapkan Bank dalam menjaga dan meningkatkan integritas Bank in maintaining and enhancing the integrity of all bjb people
seluruh insan bjb pada kerangka penerapan Good Corporate in the framework of implementing Good Corporate Governance
Governance (GCG) sehingga pengimplementasiannya dapat (GCG) so that its implementation can be carried out consistently.
dilakukan secara konsisten. Dalam rangka menegakkan kode etik, In order to uphold the code of ethics, the executive officer has
Pejabat eksekutif telah menyampaikan komitmen kepada Direksi conveyed his commitment to the Directors through the signing of
melalui penandatanganan pernyataan Integritas yang diperbaharui an updated Integrity statement every year. Through this effort, it
setiap tahunnya. Melalui upaya ini diharapkan Pejabat eksekutif is hoped that executive officers can become role models for the
dapat menjadi role model bagi jajaran di bawahnya. subordinates.
Pokok-Pokok Kode Etik Code of Conduct
Direksi melalui Surat Keputusan Direksi Nomor 709/SK/DIR-KP/2014 Directors through Directors Decree Number 709/SK/DIR-KP/2014
tanggal 7 Oktober 2014 tentang Etika Usaha dan Tata Perilaku (Code dated October 7th, 2014, concerning Business Ethics and Code
of Conduct) PT Bank Pembangunan Daerah Jawa Barat dan Banten, of Conduct of PT Bank Pembangunan Daerah Jawa Barat and
Tbk., kode etik bank bjb merupakan pedoman yang menjelaskan Banten, Tbk., bank bjb code of ethics is a guideline describing
etika usaha dan tata perilaku insan bank bjb untuk melaksanakan business ethics and bank bjb people behavior to implement good
praktik-praktik pengelolaan perusahaan yang baik. Di dalam corporate management practices. In these guidelines, bank bjb
pedoman tersebut bank bjb mengatur mengenai: regulates concerning:
Standar Etika Usaha Standar Tata Perilaku
Business Ethic Standard Code of Conduct
• Etika Perusahaan dengan pegawai. • Etika kerja sesama insan bank bjb.
• Etika Perusahaan dengan nasabah. • Menjaga kerahasiaan data dan informasi perusahaan.
• Etika Perusahaan dengan pesaing. • Menjaga harta perusahaan.
• Etika Perusahaan dengan penyedia barang/jasa. • Mencatat data dan pelaporan.
• Etika Perusahaan dengan stakeholder. • Menghindari benturan kepentingan dan penyalahgunaan jabatan.
• Etika Perusahaan dengan shareholder. • Menerima hadiah atau fasilitas.
• Etika Perusahaan dengan pemerintah. • Menolak penerimaan hadiah atau fasilitas.
• Etika Perusahaan dengan masyarakat. • Memberi hadiah atau fasilitas.
• Etika Perusahaan dengan media massa. • Permintaan hadiah atau fasilitas.
• Etika Perusahaan dengan organisasi profesi. • Penyalahgunaan narkotika dan obat terlarang (narkoba).
• Tidak melanggar pakta integritas.
• Aktivitas politik.
• Company Ethics with employees. • Work ethic among bank bjb employees.
• Company Ethics with customers. • Maintain the confidentiality of company data and information.
• Company Ethics with competitors. • Safeguard the company’s assets.
• Company Ethics with providers of goods/services. • Recording data and reporting.
• Company Ethics with stakeholders. • Avoid conflicts of interest and abuse of office.
• Corporate Ethics with shareholders. • Receive gifts or perks.
• Corporate Ethics with the government. • Refuse to accept gifts or facilities.
• Company Ethics with the community. • Giving gifts or facilities.
• Company Ethics with mass media. • Requests for gifts or perks.
• Company Ethics with professional organizations. • Abuse of narcotics and illegal drugs (drugs).
• Does not violate the integrity pact.
• Political activity.
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Kepatuhan Terhadap Kode Etik Compliance With Code of Ethics
Kode etik bank bjb menjadi standar perilaku yang wajar, The code of ethics of bank bjb becomes a standard of fair,
patut dan dapat dipercaya untuk semua insan bank bjb dalam proper and trustworthy behavior for in this case the Board of
melaksanakan kegiatan usaha termasuk berinteraksi dengan Commissioners, Directors and all employeesbank bjb employee
pemangku kepentingan. Untuk itu, Kode etik bank bjb berlaku in carrying out business activities including interacting with
bagi Dewan Komisaris, Direksi dan seluruh insan bank bjb di stakeholders. For this reason, the code of ethics of bank bjb
seluruh jenjang organisasi. Penerapan pedoman kode etik bank is applied to all members of the bank bjb at all levels of the
bjb dilaksanakan secara terus menerus dan berkesinambungan organization. The application of the bank bjb Code of Ethics is
dalam bentuk sikap, perbuatan, komitmen dan ketentuan carried out continuously and continuously in the form of attitudes,
mendukung terciptanya budaya perusahaan. actions, commitments and provisions supporting the creation of
corporate culture.
Penyebarluasan Kode Etik Dissemination of Code of Ethics
Kode Etik disosialisasikan melalui kegiatan-kegiatan sosialisasi The Code of Ethics is socialized through socialization activities
yang dilaksanakan oleh Satuan Kerja Kepatuhan serta pada carried out by the Work Unit Compliance as well as on educational
kesempatan pendidikan dan pelatihan oleh Satuan Kerja and training opportunities by the Compliance Work Unit. During
Kepatuhan. Selama tahun 2023, telah dilaksanakan sosialisasi 2023, socialization of the code of ethics has been carried out at
kode etik pada kantor pusat dan 20 (dua puluh) Kantor Cabang. the head office and 20 (twenty) branch offices.
Upaya Penerapan dan Penegakan Kode Efforts to Apply and Enforcement Code of
Etik Ethics
Upaya dalam penerapan dan penegakan kode etik, bank bjb Efforts in the application and enforcement of the code of ethics,
telah mempunyai ketentuan internal yaitu Surat Keputusan the bank bjb already has internal provisions, namely Directors
Direksi Nomor 0139/SK/DIR-HC/2017 tanggal 4 Mei 2017 tentang Decree Number 0139/SK/DIR-HC/2017 dated May 4, 2017,
Pedoman Disiplin Pegawai. Ketentuan dimaksud diterapkan regarding Employee Discipline Guidelines. The aforementioned
untuk mengamankan kepentingan Bank, menegakkan tata tertib provisions are applied to secure the interests of the Company,
pegawai lingkungan bank bjb dan sebagai sarana pembinaan uphold the rules of the employee of the bank bjb environment
pegawai. and as a means of employee coaching.
Jenis Sanksi Pelanggaran Kode Etik Types of Violations of Code Of Ethics
Standar Operasional Prosedur (SOP) Disiplin Pegawai memiliki Standard Operational Prosedure (SOP) the Employee Discipline
bentuk sanksi kepegawaian antara lain: Guidelines take the form of staffing sanctions including:
1. Ganti Kerugian 1. Indemnification
2. Sanksi Administratif 2. Administrative Sanctions
Tingkat dan Jenis Sanksi Administratif terdiri dari: The level and type of administrative sanctions consist of:
a. Sanksi administratif Ringan berupa Pembinaan dan a. Minor administrative sanctions in the form of guidance
Teguran and reprimand
b. Sanksi administratif Sedang berupa Peringatan I, b. Medium administrative sanctions in the form of Warning
Peringatan II, dan Peringatan III I, Warning II, and Warning III
c. Sanksi administratif Berat berupa Pernyataan Tidak Puas c. Severe administrative sanctions in the form of Dissatisfied
dan Pemberhentian Sebagai Pegawai Statements and Dismissal as Employees
Jumlah Pelanggaran dan Sanksi yang Number of Violations and Sanctions
Diberikan Provided
Pemberian sanksi telah dilaksanakan berdasarkan Pedoman The imposition of sanctions has been carried out based on the
Disiplin Pegawai No. 0539/SK/DIR-HC/2021 yang ditetapkan pada Employee Discipline Guidelines No. 0539/SK/DIR-HC/2021 which
tanggal 30 Juli 2021. Selama tahun 2023, sanksi yang diberikan was stipulated on July 30, 2021. During 2023, sanctions were
kepada pegawai sebanyak 100 orang dengan rincian sebagai given to 100 employees with details as follows:
berikut:
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Jumlah
Jenis Sanksi Total
Sanctions
2023 2022 2021
Berat
33 18 26
Severe
Ringan
29 74 37
Mild
Sedang
38 29 35
Moderate
Grand Total
100 121 98
Grand Total
Whistleblowing System Whistleblowing System
Whistleblowing System berperan penting dalam meningkatkan The Whistleblowing System has an important role in improving
pelaksanaan tata kelola perusahaan yang baik serta serta the implementation of good corporate governance and is also
merupakan bagian dari pemeliharaan budaya dan kepedulian part of maintaining the culture and awareness of anti-fraud
atas anti fraud di jajaran organisasi bank bjb. Dalam rangka in the ranks of the bank bjb organization. In order to increase
meningkatkan efektivitas penerapan Good Corporate Governance the effectiveness of the implementation of Good Corporate
melalui peran aktif para pelapor (whistleblower) maka bank telah Governance through the active role of whistleblowers, bank bjb
membentuk Sistem Pengaduan Pelanggaran berupa bjbWBS have established a Whistleblowing Complaints System in the form
(Whistleblowing System). of bjbWBS (Whistleblowing System).
Kebijakan Whistleblowing System bank bjb dituangkan dalam The bank bjb Whistleblowing System policy is outlined in
Surat Keputusan Direksi No. 708/SK/DIR-KP/2014 tanggal Directors Decree No. 708/SK/ DIRKP/2014 dated October 7th,
7 Oktober 2014 tentang Tata Kerja Pelaporan Pelanggaran 2014 concerning Work Procedures for Reporting Violations
(Whistleblowing) di Lingkungan PT. Bank Pembangunan Daerah (Whistleblowing) in the PT Bank Pembangunan daerah Jawa Barat
Jawa Barat dan Banten, Tbk., yang telah diperbaharui dalam Surat dan Banten, Tbk., which have been updated in Directors’ Decree
Keputusan Direksi No. 1079/SK/DIR-AI/2016 tanggal 1 Desember No. 1079/ SK/DIR-AI/2016 dated December 1st, 2016 concerning
2016 tentang Standar Operasional Prosedur (SOP) Whistleblowing Standard Operating Procedure (SOP) of Whistleblowing System.
System. Penerapan Whistleblowing System di bank bjb bertujuan The application of the Whistleblowing System at bank bjb aims to:
untuk:
1. Membangun sistem penanganan pelaporan pelanggaran 1. Establish a system for handling violation reporting that is
yang tanggap, transparan, aman dan bertanggung jawab. responsive, transparent, safe and responsible.
2. Menyediakan fasilitas dan panduan yang jelas dan konsisten 2. Provide clear and consistent facilities and guidelines for
bagi pelapor untuk menyampaikan dugaan adanya reporters to submit allegations of violations of Bank policies
pelanggaran terhadap kebijakan dan ketentuan bank serta and regulations as well as laws and regulations.
peraturan perundang-undangan.
Pengelolaan Whistleblowing System Whistleblowing System Management
Penyampaian Laporan Pelanggaran Submission of Violation Reports
Penyampaian laporan kejadian indikasi fraud (whistleblowing) All parties, both internal and external, can submit reports of
dapat dilakukan oleh seluruh pihak baik internal maupun eksternal incidents indicating fraud (whistleblowing) to bank bjb via the
kepada bank bjb melalui website bank bjb Whistle Blowing bank bjb Whistle Blowing System (bjbWbs) website, namely
System (bjbWbs), yaitu https://bjbwbs.bankbjb.co.id/ https://bjbwbs.bankbjb.co.id/
Sarana penyampaian laporan pengungkapan kejadian indikasi The means of submitting reports for disclosing incidents indicating
fraud merupakan fasilitas komunikasi yang bersifat independen, fraud is an independent, free and confidential communication
bebas dan rahasia, sehingga setiap laporan yang disampaikan facility, so that every report submitted will be received directly by
akan diterima langsung oleh pengelola Whistleblowing System. the Whistleblowing System manager.
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Penangangan Pengaduan Complaints Handling
1. Setiap proses penanganan laporan pengungkapan 1. Every process of handling reports on disclosure of indications
kejadian indikasi fraud merupakan kewenangan pengelola of fraud is the authority of the manager of the Whistle
Whistleblowing System yang dilakukan oleh Unit Kerja Anti Blowing System carried out by the Anti Fraud Work Unit in
Fraud pada Satuan Kerja Audit Internal. the Internal Audit Work Unit.
2. Untuk menjamin kerahasiaan identitas pelapor, setiap laporan 2. To guarantee the confidentiality of the reporter’s identity,
diberi nomor referensi unik dan setiap nama pelapor diganti each report is given a unique reference number and each
dengan nama samaran/nama alias. reporter’s name is replaced with a pseudonym/alias name.
3. Bilamana diperlukan akan dilakukan investigasi lebih lanjut. 3. If necessary further investigations will be carried out. In
Dalam melakukan proses tindak lanjut atas setiap pelaporan carrying out the process of following up on any reporting,
wajib mengedepankan kerahasiaan, asas praduga tak it is necessary to prioritize confidentiality, the principle of
bersalah dan profesionalisme. presumption of innocence and professionalism.
4. Fasilitas/media saluran penyampaian pelaporan pelanggaran 4. Facilities/media channel for reporting violations that are
bersifat independen, bebas dan rahasia. independent, free and confidential.
5. Pihak yang melanggar prinsip kerahasiaan tersebut akan 5. Parties who violate the principle of confidentiality will be given
diberikan sanksi yang berat sesuai ketentuan yang berlaku di severe sanctions in accordance with the applicable provisions
bank bjb. in the bank bjb.
Bagan Alur Penyampaian Laporan Pelanggaran Flow Chart for Submitting a Violation Report
Tulis Pengaduan Monitoring Laporan Proses Verifikasi Tindak Lanjut
Write Complaints Monitoring Reports Verification Process Follow-up
Pelapor m e n y am p aikan Pelapor mendapatkan email Pihak bank bjb akan melakukan Keputusan Pelaksanaan
secara elektronik melalui yang berisikan No. Resi yang verifikasi kelengkapan data Audit Investigasi dilakukan
website bjbWbs dengan berfungsi untuk melakukan beserta dokumen bukti, lalu berdasarkan Laporan Hasil
mengisi, melampirkan data dan monitoring pelaporan. menganalisa dan mengevaluasi Penelaahan Awal sesuai dengan
dokumen pendukung pada Form informasi laporan kejadian. tingkat kecukupan indikasi fraud
Pengaduan. yang disusun dalam bentuk
hipotesa.
The reporter su b m it s The reporter received an bank bjb will verify the The decision to carry out an
it e l e c t r o n i c a l l y via t h e email containing No. Receipt completeness of the data along investigative audit is made
b j b W b s w e b s i t e b y f illin g which functions to monitor with documentary evidence, then based on the initial review
in , a t t a c h i n g d a t a an d reporting. analyze and evaluate the incident report according to the level of
s u p p o r t i n g d o c u m en t s t o report information. adequacy of fraud indications
th e C o m p l a i n t F o r m . prepared in the form of a
hypothesis.
1 2 3 4
Perlindungan Bagi Whistleblower Protection for Whistleblowers
1. Bank berkomitmen untuk melindungi pelapor pengungkapan 1. The Bank is committed to protecting the whistleblower in the
kejadian indikasi fraud yang beritikad baik. event of an indication of fraud in good faith.
2. Pelapor dilindungi oleh Bank dari bentuk ancaman, intimidasi, 2. The reporter is protected by the bank from threats,
hak-hak kepegawaian, gugatan hukum, pengrusakan harta intimidation, employment rights, lawsuits, property damage,
benda, tindakan fisik, hukuman maupun tindakan tidak physical actions, penalties or other unpleasant actions from
menyenangkan lainnya dari terlapor, bank atau dari pihak the reported party, bank or from any party as long as the
manapun selama pelapor menjaga kerahasiaan kasus yang reporter maintains the confidentiality of the case reported to
diadukan kepada pihak manapun. the party any.
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3. Perlindungan terhadap pelapor juga berlaku bagi pegawai 3. Protection against whistleblowers also applies to employees
yang melaksanakan proses investigasi maupun pihak yang who carry out the investigation process as well as those who
memberikan informasi terkait dengan laporan pengungkapan provide information related to disclosure reports of indications
indikasi fraud. of fraud.
4. Pelapor yang menyampaikan laporan pelanggaran yang 4. The reporter who submits reports of violations that are false/
bersifat palsu/fitnah tidak berhak mendapatkan perlindungan defamation are not entitled to the protection of the reporter.
pelapor. 5. The bank guarantees the protection of the confidentiality of
5. Bank menjamin atas perlindungan kerahasiaan identitas the reporter’s identity.
pelapor.
Jenis Pelanggaran yang dapat Dilaporkan Types of Violations That Can Be Reported
Adapun jenis pelanggaran yang dapat dilaporkan adalah sebagai The types of violations that can be reported are as follows.
berikut.
Perbuatan untuk memperoleh keuntungan pribadi yang dilakukan secara tidak jujur/etis dan melanggar ketentuan
Kecurangan
internal atau perundang-undangan.
Fraud Acts for personal gain that are dishonest/ethical and violate internal or statutory provisions.
Perbuatan untuk menguntungkan diri sendiri atau orang lain secara melawan hukum dengan cara melakukan tipu
Penipuan
muslihat atau rangkaian kebohongan.
Scam Actions to unlawfully benefit oneself or others by means of deception or a series of lies.
Penggelapan Asset Perbuatan mengambil atau menyalahgunakan aset Bank untuk kepentingan pribadi.
Asset Embezzlement The act of taking or misusing Bank assets for personal gain.
Perbuatan memberikan atau menyebarluaskan informasi milik Bank yang bersifat rahasia kepada pihak lain yang tidak
Pembocoran Informasi
berkepentingan.
Information Leakage The act of providing or disseminating confidential information belonging to the Bank to other unauthor-ized parties.
Tindak pidana yang menyangkut perbuatan yang berkaitan dengan perbankan dan diancam dengan pidana, yang
Tindak Pidana Perbankan termuat khusus hanya dalam undang-undang yang mengatur mengenai perbankan.
Banking Crimes Criminal acts that involve actions related to banking and are punishable by crime, which are specifically contained only
in laws that regulate banking.
Tindakan Lain Segala jenis perbuatan yang diancam dengan hukuman pidana yang berkaitan dengan kegiatan operasional bank.
Other Actions All types of acts that are punishable by criminal penalties related to bank operational activities.
Penyuapan adalah menawarkan, menjanjikan, memberikan, menerima atau meminta keuntungan yang tidak
semestinya dari nilai apa pun (berupa keuangan atau non-keuangan), langsung atau tidak langsung, terlepas dari
lokasi, merupakan pelanggaran peraturan perundang-undangan, sebagai bujukan atau hadiah untuk orang yang
bertindak atau menahan diri dari bertindak terkait kinerja dari tugas insan Bank tersebut.
Gratifikasi adalah pemberian dalam arti luas, yakni berupa uang, barang, rabat (diskon), komisi, pinjaman tanpa
bunga, tiket perjalanan, fasilitas penginapan, perjalanan wisata, pengobatan cuma-cuma, dan fasilitas lainnya baik
Penyuapan/ Gratifikasi/ yang diterima di dalam negeri maupun di luar negeri yang dilakukan dengan menggunakan sarana elektronik atau
Pemerasan tanpa sarana elektronik.
Bribery/Gratification/ Bribery is offering, promising, giving, receiving or soliciting undue advantage of any value (in the form of financial
Extortion or non-financial), directly or indirectly, regardless of location, is a violation of laws and regulations, as an inducement
or gift to another person. who acts or refrains from acting related to the performance of the duties of the Bank’s
personnel.
Gratification is a gift in a broad sense, namely in the form of money, goods, rebates (discounts), commissions,
interest-free loans, travel tickets, lodging facilities, tours, free medical treatment, and other facilities received both
domestically and abroad. conducted by using electronic means or without electronic means.
Extortion is an act to obtain something that has economic value/benefits accompanied by threats or coercion.
Pelanggaran Penerapan
APU PPT Indikasi-indikasi pelanggaran terkait penerapan APU PPT yang dilakukan oleh para pegawai bank bjb.
Violation of the Indications of violations related to the implementation of AML CFT carried out by bank bjb employees.
Implementation of AML CFT
Untuk meningkatkan efektivitas penanganan laporan, pelapor To increase the effectiveness of report handling, reporters can
dapat menyampaikan beberapa informasi berikut: submit the following information:
1. Identitas diri, meliputi nama pelapor (diperbolehkan anonim), 1. Identity, including the name of the reporter (allowed to be
nomor telepon atau alamat email yang dapat dihubungi. anonymous), telephone number or email address that can be
contacted.
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TATA KELOLA
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2. Memberikan indikasi awal yang dapat dipertimbangkan, 2. Provide early indications that can be considered, including:
meliputi:
a. Pihak yang terlibat a. Parties involved
b. Bentuk/jenis fraud b. Form/type of fraud
c. Lokasi dan waktu kejadian c. Location and time of incident
d. Kronologis kejadian d. Chronology of events
e. Informasi/keterangan lainnya e. Other information/information
Pengelola Laporan Pelanggaran Management of Violation Reports
Efektivitas penerapan Whistleblowing System bank bjb dikelola The effectiveness of implementing bank bjb Whistleblowing
oleh Satuan Kerja Audit Internal yang bertanggung jawab secara System is managed by the Internal Audit Work Unit which is directly
langsung kepada Direktur Utama serta memiliki hubungan responsible to the President Director and has a communication
komunikasi kepada Dewan Komisaris. that is related to the Board of Commissioners.
Sosialisasi Whistleblowing System Socialization of Whistleblowing System
Pelaksanaan sosialisasi bjb Wbs menjadi satu bagian tidak The implementation of bjbWbs socialization is an inseparable
terpisahkan saat melaksanakan sosialisasi strategi Anti Fraud yang part when implementing the anti-fraud strategy socialization
dilaksanakan oleh SKAI dengan jumlah pelaksanaan sosialisasi implemented by SKAI with the number of socialization
adalah sebagai berikut: implementations being as follows
Triwulan Jumlah Laporan
Quarterly Number of Reports
Triwulan I 3 Kantor Cabang
Quarter I 3 Branch Offices
Triwulan II 4 Kantor Cabang
Quarter II 4 Branch Offices
Triwulan III 7 Kantor Cabang
Quarter III 7 Branch Offices
Triwulan IV 3 Kantor Cabang
Quarter IV 3 Branch Offices
Total 17 Kantor Cabang
Total 17 Branch Offices
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Jumlah Pengaduan dan Tindak Lanjutnya Number of Complaints and Its Follow Up
Pada tahun 2023 terdapat 33 (tiga puluh tiga) pengaduan melalui In 2023 there are 33 (thirty-three) complaints through the
Whistleblowing System dengan rincian sebagai berikut: Whistleblowing System with the following details:
Tindaklanjut
Follow-up
Media
Jumlah
Penyampaian Laporan Masih Dalam Laporan Laporan Selesai
Pengaduan Laporan
Laporan Proses (Proses Audit/Proses Selesai - - Diteruskan
Number of Ditutup (Tidak
Report Submission Pelaporan/Proses Lintas Divisi Internal Kepada Penyidik
Complaints Terbukti)
Media Report Still In Process (Audit Report Report completed
Report Closed
Process / Reporting Process / completed - - Forwarded to
(Not proven)
Cross Divisional Process) Internal Investigator
PENGADUAN MELALUI WBS / COMPLAINTS VIA WBS
Aplikasi bjbWBS
bjbWBS application
33 32* - 1 -
PELAPORAN INTERNAL FRAUD/ INTERNAL FRAUD REPORTING
Surat atau Melaporkan
secara Langsung 19 1 - 14 4
Letter or Report Directly
*Atas 32 (tiga puluh dua) laporan tersebut merupakan laporan pengaduan layanan nasabah yang diteruskan ke Unit Kerja terkait.
* The 32 (thirty-two) reports are customer service complaint reports which are forwarded to the relevant Work Unit.
Program Anti Korupsi Anti-Corruption Program
Program dan Prosedur yang Dilakukan Programs and Procedures in Overcoming
dalam Mengatasi Praktik Korupsi, Balas Corruption, Kickbacks, Fraud, Bribery and/
Jasa (Kickbacks), Fraud, Suap dan/atau or Gratituity Practices
Gratifikasi
Sistem Manajemen Anti Penyuapan (SMAP) Anti-Bribery Management System (SMAP)
Salah satu cara menjaga komitmen Bank dalam pengelolaan Tata One way to maintain the Bank’s commitment to good governance
Kelola yang baik adalah melaksanakan implementasi ketentuan was to implement the provisions of SNI ISO 37001:2016
SNI ISO 37001:2016 Sistem Manajemen Anti Penyuapan (SMAP). AntiBribery Management System (SMAP). The implementation
Implementasi ketentuan tersebut merupakan bentuk komitmen of these provisions was a form of bank bjb’s commitment to
bank bjb untuk selalu bersih dan berintegritas, serta terbebas always be clean and with integrity, and free from bribery. The
dari penyuapan. Bank telah memiliki Pedoman SMAP yang telah Bank already had SMAP Guidelines ratified through the Directors’
disahkan melalui Surat Keputusan Direksi nomor 0500/SK/DIR- Decree number 0500/SK/DIR-KAP/2022 dated September 13 2022
KAP/2022 tanggal 13 September 2022 tentang Pedoman Sistem concerning Anti-Bribery Management System Guidelines (SMAP)
Manajemen Anti Penyuapan (SMAP) serta Surat Keputusan Direksi and Directors’ Decree number 0176/SK/DIR-KAP/2023 dated June
nomor 0176/SK/DIR-KAP/2023 tanggal 06 Juni 2023 tentang 6 2023 concerning Changes to Anti-Bribery Management System
Perubahan Pedoman Sistem Manajemen Anti Penyuapan (SMAP). Guidelines Bribery (SMAP).
Organisasi Organization
1. Dewan Komisaris 1. Board of Commissioners
2. Direksi 2. Directors
3. Fungsi Kepatuhan Anti Penyuapan (TIM FKAP), yang terdiri 3. Anti-Bribery Compliance Function (FKAP TEAM), which
dari: consisted of:
a. Divisi Kepatuhan & APU PPT a. Compliance & AML CFT Division
b. Divisi Manajemen Risiko b. Risk Management Division
c. Divisi Hukum c. Legal Division
d. Satuan Kerja Audit Internal (SKAI) d. Internal Audit Unit (SKAI)
4. Unit Kerja Penerap SMAP 4. SMAP Implementing Work Unit
5. Unit Kerja Pendukung 5. Supporting Unit
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FAKTOR – FAKTOR YANG MEMPENGARUHI FACTORS AFFECTING THE IMPLEMENTATION OF
IMPLEMENTASI SMAP SMAP
Dalam proses pengendalian SMAP, Bank melakukan identifikasi In the SMAP control process, Company identified internal and
faktor internal dan eksternal melalui proses pemetaan isu external factors through an issue mapping process based on:
berdasarkan:
1. Ukuran, struktur dan pendelegasian pengambilan keputusan. 1. Size, structure and delegation of decision making.
2. Lokasi dan sektor dimana Bank beroperasi atau melakukan 2. Locations and sectors where the Bank operated or anticipated
antisipasi pengoperasian. operations.
3. Sifat, skala dan kompleksitas dari aktivitas, operasi serta 3. The nature, scale and complexity of the activities, operations
model bisnis. and business models.
4. Entitas dimana Bank mempunyai kendali. 4. Entities over which the Bank had control.
5. Entitas yang menerapkan kendali terhadap Bank. 5. The entity exercising control over the Bank.
6. Sifat dan jangkauan interaksi dengan pejabat publik. 6. The nature and extent of interaction with public officials.
7. Peraturan perundang-undangan, regulasi, kontrak serta 7. Laws and regulations, regulations, contracts and professional
kewajiban dan tugas professional. obligations and duties.
Bank menetapkan ruang lingkup penerapan SMAP berdasarkan The Bank determines the scope of SMAP implementation based
analisis faktor internal dan eksternal, kebutuhan dan harapan on an analysis of internal and external factors, stakeholder needs
pemangku kepentingan serta pertimbangan proses bisnis. and expectations as well as business process considerations.
PENILAIAN RISIKO PENYUAPAN BRIBERY RISK ASSESSMENT
Bank menetapkan metode penilaian risiko penyuapan yang The Bank determines the bribery risk assessment method which
meliputi: includes:
1. Identifikasi risiko penyuapan dilakukan oleh unit kerja dengan 1. Identification of bribery risk was carried out by work units with
supervisi dari pimpinan dari unit kerja masing-masing melalui supervision from the leadership of each work unit through
self assessment secara berkala dan/atau pada saat terjadi periodic self-assessments and/or when changes occured to
perubahan terhadap struktur organisasi atau proses bisnis the organizational structure or business processes that affect
yang mempengaruhi tingkat risiko penyuapan. the level of bribery risk.
2. Penilaian risiko dilakukan oleh unit kerja setiap 1 (satu) tahun 2. Risk assessment was carried out by the work unit once every
sekali sehingga perubahan dan risiko baru dapat dinilai secara 1 (one) year so that changes and new risks could be assessed
tepat. appropriately.
3. Setiap unit kerja wajib melakukan self assessment penilaian 3. Each work unit was required to conduct a self-assessment of
risiko penyuapan secara jujur dan dapat mencerminkan bribery risk assessment honestly and reflect real conditions.
kondisi yang riil.
4. Divisi Manajemen Risiko melakukan pemantauan risiko secara 4. The Risk Management Division monitored overall risk based
keseluruhan berdasarkan hasil pengisian risiko penyuapan on the results of filling in the bribery risk of each work unit
masing-masing unit kerja melalui mapping risiko penyuapan through mapping the Bank’s bribery risk.
Bank.
5. Pengendalian risiko dilakukan oleh masing-masing unit kerja 5. Risk control was carried out by each work unit in accordance
sesuai dengan hasil penilaian risiko penyuapan. with the results of the bribery risk assessment.
6. Evaluasi efektivitas pelaksanaan pengendalian risiko dilakukan 6. Evaluation of the effectiveness of the implementation of risk
melalui Audit Internal SMAP serta rapat tinjauan Direksi dan control was carried out through the SMAP Internal Audit
Dewan Komisaris sebagai salah satu pembahasan efektivitas and review meetings of the Directors and the Board of
dalam mengendalikan risiko penyuapan. Commissioners as one of the discussions on effectiveness in
controlling bribery risk.
Setiap Unit kerja Penerap dan Pendukung menyimpan bukti Each Implementing and Supporting Unit maintained evidence of
penilaian risiko untuk memastikan bahwa penilaian risiko risk assessment to ensure that the bribery risk assessment had
penyuapan telah dilaksanakan dan digunakan untuk merancang been carried out and used to design or improve the SMAP in the
atau meningkatkan SMAP di Bank. Penilaian secara self assessment Bank. Risk self-assessment assessment had to be carried out at
risiko harus dilakukan minimal 1 (satu) kali dalam 1 (satu) tahun least 1 (one) time in 1 (one) year to ensure the effectiveness of the
untuk memastikan keefektifan dari rencana pengendalian pada control plan for each risk.
masing-masing risiko.
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Kebijakan Gratifikasi Gratituity Policy
Dalam upaya melakukan pencegahan Korupsi, Kolusi dan To prevent Corruption, Collusion and Nepotism (KKN), bank bjb
Nepotisme (KKN), bank bjb telah membentuk program has established a gratification control program as stated in the
pengendalian gratifikasi yang sebagaimana tertuang dalam Gratification Control Guidelines Directors Decree Number 0148/
Surat Keputusan Direksi Nomor 0148/SK/DIR-KAP/2022 tanggal SK/DIR-KAP/2022 dated 31 May 2022 concerning Gratification
31 Mei 2022 tentang Pedoman Pengendalian Gratifikasi yang Control Guidelines which provides direction and reference for
memberikan arah serta acuan bagi segenap organisasi Bank all Company organizations in dealing with practices. mutual
di dalam menanggulangi praktik saling memberi (penerimaan, giving (acceptance, rejection or giving) within the company so
penolakan, maupun pemberian) di lingkungan perseroan sehingga that the management of gratuities in the company can be in
pengelolaan gratifikasi pada Bank dapat sesuai dengan prinsip- accordance with the principles of good corporate governance.
prinsip tata kelola perusahaan yang baik. Dengan ditetapkannya By establishing these guidelines, the Company is expected to be
pedoman ini, Bank diharapkan dapat mendorong terlaksananya able to encourage the implementation of high business ethics and
etika bisnis yang tinggi serta mencegah timbulnya benturan prevent conflicts of interest, fraud, and other deviant behaviours
kepentingan, kecurangan serta perilaku penyimpangan lain di within the company.
lingkungan Bank.
bank bjb secara berkesinambungan melakukan monitoring bank bjb continuously monitored and evaluated the gratituity
dan evaluasi program pengendalian gratifikasi sebagai bentuk control program as a form of bank bjb’s commitment to the KPK
komitmen bank bjb dengan KPK dalam melaksanakan program in implementing the gratituity control program and the company
pengendalian gratifikasi dan perseroan telah melaksanakan carried out socialization which was held in the form of technical
sosialisasi yang diselenggarakan dalam bentuk bimbingan teknis guidance to all employees with the positions of Account Officer
kepada seluruh pegawai dengan jabatan Account Officer dan and Frontliner at bank bjb.
Frontliner di bank bjb.
Program pengendalian gratifikasi adalah sekumpulan perangkat Gratituity control program became a set of tools and a series of
dan rangkaian kegiatan serta mekanisme pengendalian gratifikasi activities as well as a continuous gratituity control mechanism
secara berkesinambungan guna menjaga integritas pegawai dari in order to maintain the integrity of employees from prohibited
praktik gratifikasi yang dilarang. Program Pengendalian Gratifikasi gratituity practices. The gratituity Control Program was a
merupakan program kerja sama yang dilakukan antara bank cooperation program carried out between bank bjb and the
bjb dengan Komisi Pemberantasan Korupsi (KPK) Indonesia Indonesian Corruption Eradication Commission (KPK) based on a
berdasarkan komitmen bersama/kesepakatan kerjasama antara joint commitment/cooperation agreement between bank bjb and
bank bjb dengan KPK yang ditandatangani pada 25 Maret 2011. the KPK which was signed on March 25, 2011. bank bjb was
bank bjb merupakan bank pertama di Indonesia yang melakukan the first bank in Indonesia to cooperate with KPK related to the
kerja sama dengan KPK terkait Program Pengendalian Gratifikasi. gratituity Control Program. The implementation of the gratituity
Adapun penerapan Program Pengendalian Gratifikasi diawali Control Program began with the implementation of a corporate
dengan penerapan budaya perusahaan yang didalamnya terdapat culture in which there were core values or values that became
tata nilai atau nilai – nilai utama yang menjadi corporate value bank bjb’s corporate values.
bank bjb.
Dalam mewujudkan komitmen Program Pengendalian Gratifikasi In realizing the commitment to the gratituity Control Program,
maka corporate value bank bjb dijabarkan dalam bentuk code bank bjb’s corporate values were described in the form of
of conduct (etika usaha dan tata perilaku) untuk menjadi acuan a code of conduct (business ethics and behavior) to become a
perilaku bagi Dewan Komisaris, Direksi dan seluruh pegawai behavioral reference for the Board of Commissioners, Directors
bank bjb dalam mengelola perusahaan guna mencapai visi, misi and all bank bjb employees in managing the company in order
dan tujuan Bank. Salah satu etika perilaku yang terdapat pada to achieve the Bank’s vision, mission and goals. One of the ethical
code of conduct yaitu standar etika untuk menghindari benturan behaviors contained in the code of conduct is ethical standards
kepentingan (penanganan benturan kepentingan/ conflict of to avoid conflicts of interest (handling conflicts of interest/
interest) dan penyalahgunaan jabatan serta etika untuk tidak conflict of interest) and abuse of office as well as ethics not to
menerima gratifikasi dalam bentuk apapun yang berhubungan accept gratuities in any form related to their positions, duties and
dengan jabatan, tugas serta kewenangannya. authorities.
Program pengendalian gratifikasi terdiri dari pembuatan The gratituity control program consisted of making a set of
perangkat aturan tentang pengendalian gratifikasi, etika usaha rules on gratituity control, business ethics and code of conduct,
dan tata perilaku (code of conduct) pembentukan organisasi yang establishing an organization that managed gratituity control,
mengelola pengendalian gratifikasi, kegiatan sosialisasi/diseminasi outreach/dissemination activities on gratituity control rules and
2023 Annual Report
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TATA KELOLA
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tentang aturan pengendalian gratifikasi dan peningkatan increasing individual and organizational awareness about gratituity
kesadaran individu dan organisasi tentang gratifikasi serta as well as implementing gratuities reporting management in
implementasi pengelolaan pelaporan penerimaan gratifikasi yang coordination with the KPK.
berkoordinasi dengan pihak KPK.
PENGELOLAAN PENGENDALIAN GRATIFIKASI GRATIFICATION CONTROL MANAGEMENT
Unit Pengendalian Gratifikasi adalah unit yang memiliki kapasitas Gratituity Control Unit was a unit that had the capacity to carry
untuk melaksanakan fungsi pengelolaan gratifikasi di bank out the function of gratituity management at bank bjb, both in
bjb, baik dalam penyusunan Pedoman pengendalian gratifikasi the preparation of guidelines for gratituity control to coordinating
hingga melakukan koordinasi bersama dengan pihak Komisi with the Corruption Eradication Commission (KPK). The gratituity
Pemberantasan Korupsi (KPK). Unit Pengendalian Gratifikasi Control Unit of bank bjb in carrying out the function of gratituity
bank bjb dalam menjalankan fungsi pengelolaan gratifikasi management, both complaints, handling and submission of
baik pengaduan, penanganan dan penyampaian pelaporan reports on acceptance/rejection of gratituity could be through the
penerimaan/penolakan gratifikasi melalui mekanisme antara lain following mechanisms:
sebagai berikut:
1. Menerima laporan atas penerimaan/penolakan gratifikasi 1. Receive a report on the acceptance/rejection of gratification
yang dilaksanakan selambat-lambatnya 7 (tujuh) hari kerja carried out no later than 7 (seven) working days from the
sejak adanya penerimaan/penolakan gratifikasi tersebut oleh receipt/rejection of the gratituity by the reporter to the
pelapor kepada Divisi Kepatuhan & APU PPT; Compliance Division & AML CFT;
2. Melakukan analisa dan review atas laporan penerimaan 2. Analyze and review the gratification receipt report from the
gratifikasi sejak diterimanya laporan hingga penginputan receipt of the report to the input through the Online gratituity
melalui sistem aplikasi Gratifikasi Online (GOL) dengan SLA 7 application system (GOL) with an SLA of 7 working days;
hari kerja;
3. Realisasi pelaksanaan yang telah dilakukan dari penerimaan 3. The realization of the implementation that had been carried
laporan gratifikasi hingga dilakukan input kepada sistem out from receiving the gratituity report to inputting the
aplikasi Gratifikasi Online (GOL) yaitu 1-2 hari kerja; gratituity Online (GOL) application system, which was 1-2
working days;
4. Melakukan monitoring, koordinasi dan memberikan arahan 4. Monitoring, coordinating and providing direction to the
kepada pelapor terhadap mekanisme pelaporan/penolakan reporter on the mechanism for reporting/rejecting gratituity,
gratifikasi, pengelolaan barang-barang atau objek gratifikasi managing the goods or objects of the reported gratituity;
yang dilaporkan;
5. Melaksanakan program kerja pengendalian gratifikasi yang 5. Implement the gratituity control work program that has been
telah disampaikan kepada KPK dan melaporkan pelaksanaan submitted to the KPK and report the implementation of the
program kerja pengendalian gratifikasi tersebut kepada KPK gratituity control work program to the KPK every semester.
setiap semester.
SOSIALISASI KEBIJAKAN GRATIFIKASI GRATIFICATION POLICY SOCIALIZATION
Dalam melaksanakan program pengendalian gratifikasi telah In carrying out the gratification control program has conducted
melaksanakan sosialisasi yang diselenggarakan kepada perwakilan socialization held for managerial representatives at Branch Offices
managerial di Kantor Cabang serta pelaksanaan bimbingan teknis as well as providing technical guidance to employees with the
kepada pegawai dengan jabatan Account Officer dan Frontliner positions of Account Officer and Frontliner at bank bjb.
di bank bjb.
LAPORAN GRATIFIKASI TAHUN 2023 2023 GRATIFICATION REPORT
Dalam implementasi pengelolaan pelaporan gratifikasi selama In the implementation of the management of gratification
tahun 2023 telah diterima sebanyak 81 (delapan puluh satu) reporting during 2023, 81 (eighty one) reports of receiving
laporan penerimaan gratifikasi, dimana terdapat 73 (tujuh puluh gratification have been received, of which there are 73 (seventy-
tiga) pelaporan yang telah mendapatkan keputusan penetapan three) reports that have received a decision from the Corruption
dari KPK dan 8 (delapan) laporan belum mendapatkan penetapan Eradication Committee and 8 (eight) reports that have not yet
dari KPK. received a decision from the KPK.
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Pelatihan/Sosialisasi Anti Korupsi Kepada Anti-Corruption Training/Socialization for
Karyawan Employees
Jenis Pelatihan Tanggal Mulai Tanggal Selesai Penyelenggara
No
Type of Training Start Date Start Date Organizer
e-Learning bimbingan teknis program pengendalian gratifikasi 4 Mei 2023 13 Mei 2023
1. bjb University
e-Learning technical guidance for gratification control programs May 4, 2023 May 13, 2023
Pembelajaran Manager Development Program (MDP) 26 Mei 2023 26 Mei 2023
2. bjb University
Manager Development Program (MDP) Learning May 26, 2023 May 26, 2023
Tes Awareness PPG dan SMAP 18 Desember 2023 28 Desember 2023
3. bjb University
PPG and SMAP Awareness Tests December 18, 2023 December 28, 2023
Pengelolaan Harta Kekayaan Management of State Official Wealth
Penyelenggara Negara Report
Sebagai Perseroan yang kegiatan usahanya dilandaskan kepada As a company whose business activities are based on the principle
prinsip kepercayaan, bank bjb perlu menjaga serta menumbuhkan of trust, the bank bjb needs to maintain and foster the integrity
integritas seluruh pegawai. Integritas pegawai dapat tercermin of all employees. Employee integrity can be reflected in ethical
dari perilaku yang beretika yang dapat menghindari setiap behavior that can avoid any employee from practices that are
pegawai dari praktik-praktik yang tidak sesuai dengan nilai-nilai not in line with Company values. This needs to be carried out
Perseroan. Hal ini perlu dilaksanakan oleh bank bjb sebagai by the bank bjb as an effort to maintain the fulfillment of the
upayanya di dalam menjaga pemenuhan hak-hak para Pemangku rights of the Stakeholders through the implementation of clean
Kepentingan melalui pelaksanaan proses bisnis yang bersih dan and healthy business processes.
sehat.
Salah satu upaya yang dapat dilaksanakan oleh bank bjb di dalam One of the efforts that can be carried out by bank bjb in maintaining
menjaga serta menumbuhkan integritas Pegawai adalah melalui and growing employee integrity is through the submission of a
penyampaian Laporan Harta Kekayaan. Upaya tersebut sejalan Wealth Report. These efforts align with the Government’s efforts
dengan usaha Pemerintah dalam menumbuhkan integritas to foster the integrity of civil servants/state administrators, which
pegawai negeri/penyelenggara negara yang diberlakukan hampir are enforced in almost all government agencies, BUMN and BUMD.
di seluruh instansi pemerintahan, BUMN dan BUMD. Sehubungan In connection with the change in LHKPN reporting through the
dengan adanya perubahan pelaporan LHKPN melalui sistem e-lhkpn system, bank bjb has made adjustments to the provisions
e-lhkpn, bank bjb telah melakukan penyesuaian terhadap of the LHKPN Guidelines through the determination of the Decree
ketentuan Pedoman LHKPN melalui penetapan Surat Keputusan of the Directors Number 0149/SK/DIR-KAP/2022 dated May 31,
Direksi Nomor 0149/SK/DIR-KAP/2022 Tanggal 31 Mei 2022 2022 concerning Guidelines of State Administrators Wealth
Tentang Pedoman Laporan Harta Kekayaan Penyelenggara Negara Reports (LHKPN). In the 2023 reporting year, bank bjb has set the
(LHKPN). Pada tahun pelaporan 2023, bank bjb menetapkan number Reporting Obligations to be 1,458 people, with an LHKPN
jumlah Wajib Lapor sebanyak 1.458 orang, dengan tingkat reporting compliance level of 100%.
kepatuhan pelaporan LHKPN sebesar 100%.
Penerapan Keuangan Berkelanjutan, Implementation of Sustainable Finance,
Termasuk Penerapan Tanggung Jawab Including Implementation of Social and
Sosial dan Lingkungan Environmental Responsibility
Infromasi terkait Penerapan Keuangan Berkelanjutan, termasuk Information related to the Implementation of Sustainable Finance,
Penerapan Tanggung Jawab Sosial dan Lingkungan dijelaskan including the Implementation of Social and Environmental
pada Laporan Keberlanjutan bank bjb Tahun 2023. Responsibility is explained in the 2023 bank bjb Sustainability
Report.
2023 Annual Report
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Jumlah Penyimpangan (Internal Fraud) Total Internal Fraud and Attention
dan Upaya Penyelesaian Attempts
Jumlah fraud yang dilakukan (Internal)
Number of frauds committed (Internal
Anggota Dewan Komisaris dan
Anggota Direksi
Pegawai Tetap Pegawai Tidak Tetap
Internal Fraud Members of the Board of
Permanent employee Temporary employees
dalam 1 Tahun Commissioners and Members
Internal Fraud in 1 of the Board of Directors
Year
Tahun Tahun Tahun Tahun Tahun
Tahun Berjalan
Sebelumnya Berjalan Sebelumnya Berjalan Sebelumnya
(2023)
(2022) (2023) (2022) (2023) (2022)
Current Year
Previous Year Current Year Previous Year Current Year Previous Year
(2023)
(2022) (2023) (2022) (2023) (2022)
Total Fraud
- - 18 18 1 2
Total Fraud
Telah Diselesaikan
Resolvedthe Bank’s - - 18 18 1 2
Interna
Dalam Proses
Penyelesaian di Internal
Bank
- - - - - -
In the Settlement
Process in
the Bank’s Interna
Belum Diupayakan
Penyelesaian - - - - - -
Not Resolved Yet
Telah Ditindaklanjuti
Melalui Proses Hukum
- - 5 1 - -
Has Been Followed Up
Through Legal Process
Pemberian Dana Kegiatan Sosial dan/ Funding of Social and/or Political
atau Politik Activities
Pemberian Dana Kegiatan Sosial Funding of Social Activities
Selain menjalankan kegiatan operasional bank bjb juga tidak In addition to carrying out operational activities bank bjb also
melupakan peran sosialnya untuk membantu untuk turut does not forget its social role in helping to play a role in improving
berperan dalam meningkatkan kesejahteraan masyarakat. community welfare. During 2023, the Company has provided
Selama tahun 2023 Perseroan telah memberikan dana donations amounting to IDR 826,135,000 and distributed CSR
sumbangan sebesar Rp826.135.000,- dan menyalurkan dana CSR funds IDR 131,430,879,606, of which 8.1% was distributed to
Rp131.430.879.606,- dimana tercatat sebesar 8,1% tersalurkan the public infrastructure and facilities sector, 40.8% to the social
pada sektor prasarana dan fasilitas umum, senilai 40,8% pada sector, worth 2.7% in the environmental sector, worth 18.7% in
sektor sosial kemasyarakatan, senilai 2,7% pada sektor lingkungan the religious sector, worth 8.9% in the health sector, and worth
hidup, senilai 18,7% pada sektor keagamaan, senilai 8,9% pada 20.8% in the education sector.
sektor kesehatan, dan senilai 20,8% pada sektor pendidikan.
Pemberian Dana Kegiatan Politik Funding of Political Activities
Direksi melalui Surat Keputusan Direksi Nomor 709/SK/DIRKP/2014 Directors through Decree Number 709/SK/ DIRKP/2014 dated
tanggal 7 Oktober 2014 tentang Etika Usaha dan Tata Perilaku October 7th, 2014 concerning Business Ethics and Code of
(Code of Conduct) PT Bank Pembangunan Daerah Jawa Barat Conduct of PT Bank Pembangunan Daerah Jawa Barat and
Tahunan 2023
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dan Banten, Tbk., kode etik bank bjb merupakan pedoman yang Banten, Tbk., bank bjb code of ethics is a guideline describing
menjelaskan etika usaha dan tata perilaku insan bank bjb untuk business ethics and bank bjb people behaviour to implement
melaksanakan praktik-praktik pengelolaan perusahaan yang baik. good corporate management practices. One of them regulates
Salah satunya mengatur mengenai Standar Tata Perilaku yaitu the Standards of Conduct, namely, point e. Avoiding conflicts
menghindari benturan kepentingan dan penyalahgunaan jabatan of interest and misuse of positions and points l. Political activity.
dan aktivitas politik. Kode etik bank bjb menjadi standar perilaku The bank bjb code of conduct becomes a reasonable, proper and
yang wajar, patut dan dapat dipercaya untuk semua insan bank trustworthy standard for all bank bjb employees in carrying out
bjb dalam melaksanakan kegiatan usaha termasuk berinteraksi business activities including interacting with stakeholders. For
dengan pemangku kepentingan.Untuk itu, Kode etik bank bjb that matter, the bank bjb code of conduct applies to all bank bjb
berlaku bagi seluruh insan bank bjb di seluruh jenjang organisasi. people throughout the organization. The application of the bank
Penerapan pedoman kode etik bank bjb dilaksanakan secara terus bjb Code of Ethics is carried out continuously and continuously
menerus dan berkesinambungan dalam bentuk sikap, perbuatan, in the form of attitudes, actions, commitments and provisions
komitmen dan ketentuan mendukung terciptanya budaya supporting the creation of corporate culture. Therefore, the bank
perusahaan. Oleh Karena itu, bank bjb tidak memberikan dana bjb does not provide funds for political activities.
untuk kegiatan politik.
Buyback Saham dan Buyback Obligasi Share Buyback and Bond Buyback
Selama tahun 2023, bank bjb tidak melakukan buyback saham During 2023, the bank bjb did not buyback shares or buyback
maupun buyback obligasi. bonds.
Rencana Strategis Bank The Bank’s Strategic Plan
Arah Kebijakan Bank Bank Policy Directions
Memasuki tahun terakhir dari fase II (portfolio optimization) di Entering the final year of phase II (portfolio optimization) in 2023,
tahun 2023, bank bjb tetap akan melanjutkan inisiatif digitalisasi bank bjb will continue the initiative of digitizing tools per segment,
tools per segmen, akuisisi funding ritel dan optimalisasi kredit acquiring retail funding and optimizing productive credit. The role
produktif. Peran dari system intelligence (analytics) terus of system intelligence (analytics) continues to be enhanced so
dilakukan enhancement sehingga dapat memberikan dukungan that it can provide support in designing customer profiling and
dalam mendesain customer profiling dan monitoring melalui monitoring using analytical data.
pemanfaatan data analytic.
Fase I / Phase I Fase II / Phase II Fase III / Phase III
(2021) (2022-2023) (2024-2025)
Strengthening Foundation Portfolio Optimization Sustainable Growth
Strengthening Foundation Portfolio Optimization Sustainable Growth
(Fokus pada penguatan sinergi. optimalisasi (Fokus pada tap-in Kredit Produktif dan CASA (Fokus pada optimalisasi market share
low risk captive market. dan capital) Funding Ritel) dan wallet share nasabah)
(Focus on strengthening synergies. optimizing low (Focus on Productive Credit tap-in and Retail (Focus on optimizing market share
risk captive markets and capital) CASA Funding) and customer wallet share)
Perbaikan Infrastruktur Digital Digitalisasi Tools Digitalisasi Proses Bisnis
Improvement of Digital Infrastructure Digitalization of Tools Business Process Digitalization
Optimalisasi Bisnis Existing Akuisisi Funding Ritel Advance Development
Existing Business Optimization Retail Funding Acquisition Advanced Development
Peningkatan Sinergi Optimalisasi Kredit Produktif Pembentukan Dedicated Unit
Improved Synergy Productive Credit Optimization Establishment of Dedicated Units
Penguatan Capital
Capital Strengthening
2023 Annual Report
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PERUSAHAAN
Berdasarkan roadmap di tahun 2023, bank bjb memasuki fase II Based on the roadmap in 2023, bank bjb is entering phase II
(portfolio optimization) akhir menuju fase III (sustainable growth). (portfolio optimization) towards the end of phase III (sustainable
Fase portfolio optimization di tahun 2023 akan menjadi pondasi growth). The portfolio optimization phase in 2023 will be the
untuk fase berikutnya. Untuk itu, digitalisasi tools per segmen, foundation for the next phase. For this reason, digitalization of
akuisisi funding ritel dan optimalisasi kredit produktif akan tools per segment, acquisition of retail funding and optimization
dioptimalkan pada tahun 2023. of productive credit will be optimized in 2023.
bank bjb memiliki potensi yang besar untuk menjadikan bisnis Bank bjb has great potential to make commercial businesses
komersial dan UMKM sebagai pendorong pertumbuhan kredit and MSMEs a driver of productive credit growth. Apart from
produktif. Selain akselerasi pertumbuhan kredit produktif, salah accelerating productive credit growth, one of bank bjb’s portfolio
satu target portofolio bank bjb adalah peningkatan funding ritel targets is increasing retail funding through increasing the role of
melalui peningkatan peran digitalisasi dalam layanan perbankan. digitalization in banking services.
Strategi Jangka Pendek Short Term Strategy
Uraian strategi jangka pendek bank bjb adalah sebagai berikut. The description of bank bjb’s short-term strategy is as follows.
1. Ekspansi Kredit Secara Selektif dengan Mengoptimalkan 1. Selective Credit Expansion by Optimizing the Business
Ekosistem Bisnis Ecosystem
a. Pertumbuhan Kredit Yang Sehat dan Berkelanjutan a. Healthy and Sustainable Credit Growth
- Meningkatkan layanan melalui pengembangan - Improving services through developing digitalization
digitalisasi proses kredit dengan penguatan mitigasi of the credit process by strengthening risk mitigation.
risiko.
- Peningkatan portofolio KPR melalui optimalisasi - Increasing the KPR portfolio through optimizing
utilisasi kerja sama dengan pihak ketiga dan berperan utilization in collaboration with third parties and
aktif dalam menyalurkan kredit program pemerintah playing an active role in distributing government
. program credit.
- Menciptakan digital ecosystem bisnis dengan fokus - Creating a digital business ecosystem with a focus on
menggarap sektor ekonomi unggulan pada masing- working on superior economic sectors in each region
masing daerah guna mendorong pemberdayaan to encourage regional economic empowerment and
ekonomi daerah dan menciptakan pelaku-pelaku create community economic sector actors.
sektor ekonomi kerakyatan.
- Meningkatkan pembiayaan infrastruktur daerah - Increasing regional infrastructure financing to support
dalam upaya mendukung percepatan laju the acceleration of the regional economy.
perekonomian daerah.
- Mendorong pertumbuhan kredit dengan - Encouraging credit growth by maximizing value chain
memaksimalkan potensi value chain dan integrasi potential and system integration with the business
sistem dengan ekosistem bisnis sebagai sumber data ecosystem as a source of credit potential data.
potensi kredit.
- Meningkatkan kontribusi pembiayaan yang - Increasing financing contributions that support
mendukung pertumbuhan berkelanjutan dengan sustainable growth by considering economic,
mempertimbangkan aspek ekonomi, lingkungan dan environmental, and social aspects.
sosial.
b. Menjaga Pertumbuhan Kredit Secara Selektif dan b. Maintaining Selective and Quality Credit Growth
Berkualitas
- Menjaga pertumbuhan kredit berkualitas melalui - Maintaining quality credit growth through improving
perbaikan proses bisnis dan penetapan debitur secara business processes and selectively determining debtors.
selektif.
- Meningkatkan peran aktif fungsi credit risk sebagai - Increasing the active role of the credit risk function as four
four eyes dalam proses pemberian kredit maupun eyes in the credit granting process and in the process of
dalam proses penyelamatan debitur bermasalah. rescuing problem debtors.
- Mengoptimalkan pemanfaatan fungsi Loan - Optimizing the use of credit risk Loan Management
Management System (LMS) credit risk dan dashboard System (LMS) functions and credit risk dashboards to
credit risk dalam upaya meningkatkan mitigasi risiko. increase risk mitigation.
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- Penguatan risk and compliance awareness guna - Strengthening risk and compliance awareness to support
mendukung pertumbuhan kredit yang berkualitas quality and sustainable credit growth.
dan berkelanjutan.
2. Memperkuat Likuiditas Untuk Mendukung Kinerja Bank 2. Strengthening Liquidity to Support Bank Performance
a. Optimalisasi product holding dalam rangka meningkatkan a. Optimizing product holding to increase the growth of
pertumbuhan dana pihak ketiga dan bisnis lainnya. third-party funds and other businesses.
b. Memperkuat likuiditas dengan menciptakan business b. Strengthening liquidity by creating a business ecosystem
ecosystem melalui pengembangan layanan digital. through developing digital services.
c. Mengintegrasikan layanan e-channel dengan berbagai c. Integrating e-channel services with various banking
layanan perbankan untuk meningkatkan akuisisi nasabah. services to increase customer acquisition.
d. Optimalisasi funding jangka panjang melalui instrumen d. Optimizing long-term funding through capital market
pasar modal dan bilateral loan dalam rangka penguatan instruments and bilateral loans to strengthen the position
posisi rasio-rasio keuangan serta pertumbuhan aset bank of financial ratios and growth of bank bjb assets.
bjb.
3. Mendorong Pertumbuhan Bisnis Melalui Sinergi dan 3. Encouraging Business Growth Through Synergy and
Kolaborasi Collaboration
a. Mendukung pertumbuhan bisnis secara anorganik a. Supporting inorganic business growth through synergy
melalui sinergi dan kolaborasi dengan skema Kelompok and collaboration with the Bank Business Group (KUB)
Usaha Bank (KUB). scheme.
b. Membangun sinergi dengan partner strategis untuk b. Building synergy with strategic partners to accelerate
mengakselerasi pertumbuhan bisnis melalui channeling, business growth through channelling, asset buying and
asset buy, dan pola kemitraan. partnership patterns.
c. Memperluas kerja sama dengan fintech, e-commerce c. Expanding cooperation with fintech, e-commerce and
dan e-marketplace untuk menciptakan solusi digital guna e-marketplace to create digital solutions to support
mendukung pertumbuhan bisnis. business growth.
d. Mengoptimalkan kontribusi perusahaan anak dengan d. Optimizing the contribution of subsidiary companies
memperkuat sinergi untuk mendukung kinerja secara by strengthening synergies to support consolidated
konsolidasi. performance.
4. Mengoptimalkan Peran Teknologi Dalam 4. Optimizing the Role of Technology in Accelerating
Mengakselerasikan Transformasi Digital Untuk Digital Transformation to Support Business
Mendukung Bisnis
a. Meningkatkan customer experience melalui excellence a. Improving customer experience through excellence in
service delivery dan penerapan perlindungan nasabah service delivery and implementing customer protection in
dalam kegiatan bisnis sehingga terciptanya customer business activities to create customer engagement.
engagement.
b. Optimalisasi platform bjb Go Smart City dalam rangka b. Optimizing the bjb Go Smart City platform in the
perluasan layanan elektronifikasi transaksi Pemerintah context of expanding Regional Government transaction
Daerah dan implementasi ekosistem digital desa dalam electronification services and implementing a village
membantu peningkatan perekonomian desa. digital ecosystem to help improve the village economy.
c. Efisiensi proses pekerjaan dengan menerapkan c. Work process efficiency by implementing automation and
otomatisasi dan simplifikasi terhadap aktivitas bisnis yang simplification of repetitive and manual business activities.
bersifat repetitive dan manual. d. Optimizing risk exposure monitoring through digitalization
d. Optimalisasi pemantauan eksposur risiko melalui of risk monitoring tools.
digitalisasi tools pemantauan risiko. e. Increasing IT security and IT cyber defence in implementing
e. Peningkatan IT security dan IT cyber defense dalam digital transformation in line with the direction of the
implementasi transformasi digital yang selaras dengan corporate plan.
arah corporate plan.
5. Peningkatan Pendapatan dan Efisiensi Biaya 5. Increased Revenue and Cost Efficiency
a. Peningkatan Pendapatan a. Increased revenue
- Optimalisasi pengelolaan aset dan liabilitas untuk - Optimizing asset and liability management to obtain
memperoleh yield enhancement dengan tetap yield enhancement while still paying attention to
memperhatikan rasio-rasio keuangan. financial ratios.
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- Meningkatkan fee based income melalui - Increasing fee-based income through feature
pengembangan fitur dan inovasi produk. development and product innovation.
- Meningkatkan upaya recoveries kredit hapus buku - Increasing efforts to recover write-off credits to
agar memberikan kontribusi lebih optimal terhadap provide a more optimal contribution to income.
pendapatan.
b. Pengelolaan Biaya Secara Efisien b. Efficient Cost Management
- Efektivitas dan efisiensi proses bisnis serta operasional - Effectiveness and efficiency of business processes and
bank melalui integrasi dan otomasi sistem kerja. bank operations through integration and automation
of work systems.
- Mengelola jaringan kantor yang berlandaskan - Managing an office network based on productivity
produktivitas dan efektivitas. and effectiveness.
- Pengelolaan biaya dengan memprioritaskan program- - Cost management by prioritizing work programs
program kerja yang memberikan nilai tambah that provide added value to the bank’s business.
terhadap bisnis bank.
6. Menjaga Struktur Modal dan Mendorong Peningkatan 6. Maintaining Capital Structure and Encouraging
Produktivitas Human Capital Increased Human Capital Productivity
a. Menjaga komposisi struktur modal untuk menunjang a. Maintaining the composition of the capital structure to
ekspansi bisnis support business expansion.
- Meningkatkan pertumbuhan profitabilitas untuk - Increasing profitability growth to strengthen capital
memperkuat struktur modal. structure.
- Menjalankan corporate action untuk penguatan - Carrying out corporate actions to strengthen capital,
permodalan, di antaranya melalui persiapan right including through preparation of a rights issue and/or
issue dan/atau menerbitkan perpetual bond. issuing perpetual bonds.
- Pertumbuhan bisnis secara selektif dengan - Selective business growth by considering the impact
mempertimbangkan dampak terhadap bobot rasio on the RWA weight ratio calculation.
perhitungan ATMR.
b. Peningkatan produktivitas human capital b. Increased human capital productivity.
- Memperkuat model struktur organisasi yang agile - Strengthening the agile organizational structure
sebagai pendukung dalam peningkatan kinerja. model as a support for improving performance.
- Meningkatkan fungsi monitoring dan evaluasi kinerja - Improving the performance monitoring and
atas komitmen terhadap key performance indicator evaluation function based on commitment to key
dalam upaya pencapaian target. performance indicators in efforts to achieve targets.
- Meningkatkan peran human capital sebagai strategic - Increasing the role of human capital as a strategic
business partner melalui optimalisasi kewenangan business partner by optimizing the authority and
dan fungsi human capital yang menjangkau seluruh function of human capital which reaches all work
unit kerja. units.
- Mengembangkan sistem pembelajaran terpadu untuk - Developing an integrated learning system to support
mendukung peningkatan produktivitas pegawai. increased employee productivity.
- Mendukung project management life cycle tepat - Supporting project management life cycle on time, on
waktu, tepat sasaran, dan tepat guna dalam target and effectively in producing strategic projects.
menghasilkan proyek strategis.
7. Penguatan Governance, Risk and Compliance (GRC) 7. Strengthening Governance, Risk and Compliance (GRC)
Untuk Mendukung Bisnis to support business.
a. Berperan aktif membantu perusahaan dalam a. Playing an active role in helping the company achieve
mencapai tujuan dengan pendekatan yang sistematis its goals with a systematic and consistent approach
dan konsisten melalui peningkatan kualitas tata by improving the quality of governance, compliance,
kelola, kepatuhan dan manajemen risiko. and risk management.
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b. Pengembangan metodologi manajemen risiko guna b. Development of risk management methodology to
mendukung aktivitas bisnis dan permodalan bank. support business activities and bank capital.
c. Meningkatkan efektivitas sistem pengendalian c. Increasing the effectiveness of the internal control
internal untuk mendukung bisnis. system to support business.
d. Mengembangkan compliance management system d. Developing a compliance management system to
untuk penguatan risk and compliance awareness. strengthen risk and compliance awareness.
e. Pengembangan sistem informasi pengelolaan e. Developing an information system for managing the
program APU PPT sesuai kebutuhan bisnis dan APU PPT program according to business needs and
digitalisasi layanan. digitizing services.
f. Pengelolaan risiko dan kepatuhan yang efektif dalam f. Effective risk management and compliance in
mendukung KUB dan konglomerasi keuangan. supporting KUB and financial conglomerates.
Strategi Jangka Menengah dan Jangka Medium- and Long-Term Strategies
Panjang
Dalam mencapai target keuangan dan portofolio di tahun 2025 In achieving financial and portfolio targets in 2025, bank bjb is
bank bjb dihadapkan beberapa key challenges yaitu pada segmen faced with several key challenges, namely in the lending segment,
lending kredit bank bjb masih bertumpu pada kredit konsumer bank bjb credit still relies on ASN consumer credit and there is
ASN dan belum optimalnya sinergi antar divisi dalam peningkatan not yet optimal synergy between divisions in increasing productive
kredit produktif, pada segmen funding komposisi funding bank credit, in the funding segment, bank bjb’s funding composition
bjb masih didominasi oleh nasabah institusi dan rendahnya is still dominated by customers institutions and low digital
penetrasi digital khususnya mobile banking bank bjb. penetration, especially bank bjb mobile banking.
1. Kredit 1. Credit
Untuk mencapai target keuangan 2025 bank bjb perlu To achieve the 2025 financial target, bank bjb needs to
mengakselerasi pertumbuhan kredit produktif sebesar 25% accelerate productive credit growth by 25% and optimize
dan optimalisasi pertumbuhan kredit konsumtif sebesar 6%. consumer credit growth by 6%. This is because the consumer
Hal ini dikarenakan market kredit konsumer (khususnya ASN) credit market (especially ASN) has entered a mature and
sudah menuju fase mature dan terbatas, sehingga bank bjb limited phase, so bank bjb only needs to optimize consumer
hanya perlu mengoptimalisasi kredit konsumer, market kredit credit, the productive credit market still has great potential so
produktif masih memiliki potensi yang besar sehingga bank bank bjb needs to accelerate productive credit growth as the
bjb perlu mengakselerasi pertumbuhan kredit produktif main engine of growth to achieve financial targets 2025.
sebagai main engine growth demi mencapai target keuangan
2025.
2. Funding 2. Funding
Untuk mengoptimalkan cost of fund dan pemenuhan NSFR To optimize the cost of funds and fulfil the NSFR, bank bjb
bank bjb harus memprioritaskan funding ritel dan CASA must prioritize retail funding and CASA to meet funding
untuk pemenuhan target funding. Hal ini dikarenakan targets. This is because the CASA percentage influences the
persentase CASA berpengaruh terhadap persentase cost of cost of funds percentage and the retail funding percentage
fund dan persentase funding ritel berpengaruh terhadap influences the NSFR percentage.
persentase NSFR.
Dalam mencapai target positioning sebagai elit bank, target In achieving the positioning target as an elite bank, financial
keuangan, dan juga target portofolio yang telah dijabarkan targets, and portfolio targets that have been described previously,
sebelumnya, bank bjb akan menerapkan startegi korporasi yang bank bjb will implement a corporate strategy which is illustrated
diilustrasikan melalui strategy house bank bjb berikut ini. through the following bank bjb house strategy.
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Visi / Vision
Menjadi Bank Pilihan Utama Anda
Objective: Menjadi elite bank dan top of mind warga Jawa Barat & Banten
Become Your First Bank of Choice
Objective: Become a banking elite and top of mind for the citizens of West Java & Banten
Governance, Risk, & Compliance
Governance, Risk, & Compliance
Digital Transformation One Stop Solution Banking Kolaborasi dan Anorganik
Digital Transformation One Stop Solution Banking Kolaborasi dan Anorganik
Meningkatkan kualitas layanan. Meningkatkan market share kredit, Meningkatkan pertumbuhan aset,
pegawai, produk, dan proses dengan funding, dan fee based dengan sinergi bisnis, dan inovasi bank
mengedepankan teknologi digital meningkatkan kolaborasi antar dengan kolaborasi dengan pihak luar
korporat-komersial, konsumer, serta maupun anorganik
divisi lainnya
Improving the quality of services, Increasing credit, funding and fee-based Increasing asset growth, business
employees, products and processes by market share by increasing collaboration synergy and bank innovation by
prioritizing digital technology between corporate-commercial, collaborating with external and
consumer and other divisions inorganic parties
Key Enabler I: Menciptakan Best in Class Employee
Key Enabler I: Creating Best in Class Employees
Key Enabler II: Penguatan keuangan dan permodalan
Key Enabler II: Strengthening finances and capital
Strategi korporasi bank bjb terdiri dari 3 (tiga) pilar strategi bisnis Bank bjb’s corporate strategy consists of 3 (three) business strategy
dan 2 (dua) fondasi strategi enabler. Masing - masing penjelasan pillars and 2 (two) enabler strategy foundations. Each explanation
terkait pilar strategi adalah sebagai berikut: regarding the strategy pillars is as follows:
Pilar I – Digital Transformation Pillar I – Digital Transformation
Pada pilar digital transformation, bank bjb memiliki empat tujuan In the digital transformation pillar, bank bjb has four main goals
utama yang ingin dicapai pada tahun 2025 yaitu: (i) meningkatkan to be achieved by 2025, namely: (i) increasing engagement
engagement kepada nasabah; (ii) memperkuat kinerja pegawai; with customers; (ii) strengthening employee performance; (iii)
(iii) transformasi produk dan layanan digital; dan (iv) optimalisasi digital product and service transformation; and (iv) operational
operasional. Dalam mencapai empat tujuan tersebut bank bjb optimization. In achieving these four goals, bank bjb needs to
perlu melakukan digital transformation yang terdiri dari tiga level carry out digital transformation which consists of three levels of
transformasi, digitalisasi core, menciptakan system intelligence transformation, core digitalization, creating an intelligence system
(analytics), dan menciptakan digital ecosystem. Ilustrasi terkait (analytics), and creating a digital ecosystem. An illustration related
digital transformation dapat dilihat pada gambar di bawah ini. to digital transformation can be seen in the image below.
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Gambar Level Digital Transformation bjb Image of bjb Digital Transformation Level
Digital Ecosystem / Digital Ecosystem
Main Objectives / Main Objectives: Menciptakan ekosistem digital pada pelanggan dengan tujuan meningkatkan
engagement produk dan layanan bjb / Creating a digital ecosystem for customers with
Level 3 the aim of increasing engagement with bjb products and services
eCommerce, bjb digi. Digital Kredit, Unbank Potential
eCommerce, bjb digi. Digital Credit, Unbank Potential
Engage Customer Empower Employee
Engage Customer Empower Employee
Digital System Intelligence / Digital System Intelligence
Memanfaatkan analytics dalam melakukan decision making dan mendapatkan
feedback (loop) dalam pengembangan kontinu / Utilizing analytics in decision making
Level 2 and getting feedback (loop) in continuous development
Big Data, Integrated Customer Analytics, Push & Digital Marketing, Long Tail Search
Engine Optimization
Big Data, Integrated Customer Analytics, Push & Digital Marketing, Long Tail Search Engine
Optimization
Digitizing Core / Digitizing Core
Melakukan digitalisasi proses bisnis inti, memperkuat IT infra, dan digital culture
Optimize Operation Transform Product saat ini seperti monitoring tools, proses transaksi, dll / Digitizing core business
Optimize Operation Transform Product processes, strengthening IT infrastructure and current digital culture such as monitoring
Level 1 tools, transaction processes, etc
Leads management system, Sales Tools, Loan Monitoring Digital, Penguatan IT
Infra, Agile Working Method
Leads management system, Sales Tools, Loan Monitoring Digital, Penguatan IT Infra, Agile
Working Method
Pilar II – One Stop Solution Banking Pillar II – One Stop Solution Banking
Pada pilar one stop solution banking, bank bjb perlu untuk In the one stop solution banking pillar, bank bjb needs to increase
meningkatkan potensi cross selling baik ke nasabah turunan the potential for cross selling both to derivative customers through
melalui value chain maupun ke produk turunannya. Dalam the value chain and to derivative products. In implementing one
menjalankan one stop solution banking, bank bjb perlu stop solution banking, bank bjb needs to implement 4 (four)
menerapkan 4 (empat) inisiatif: initiatives:
1. Menjalankan System Account Planning 1. Executing System Account Planning
Account planning merupakan kegiatan rutin yang bertujuan Account planning is a routine activity that aims to identify
untuk mengidentifikasi peluang potensi cross selling melalui potential cross selling opportunities through wallet size
wallet size analysis dan value chain analysis. Umumnya analysis and value chain analysis. Generally, account planning
account planning terdiri dari empat kegiatan utama: consists of four main activities:
a. Data collection: Pengumpulan data cross divisi untuk a. Data collection: Collecting cross-division data to map
memetakan overall relationship dan profitability nasabah. overall customer relationships and profitability.
b. wallet sizing dan value chain analysis: melakukan analisa b. Wallet sizing and value chain analysis: analyzing cross
peluang cross selling baik secara vertikal maupun selling opportunities both vertically and horizontally.
horizontal.
c. Penentuan target dan rencana aksi: melakukan penetapan c.Determining targets and action plans: carrying out target
target dan lintas divisi. setting and cross-divisional work.
d. Monitoring dan engagement: melakukan implementasi d. Monitoring and engagement: implementing plans and
rencana dan monitoring. monitoring.
2. Membentuk Unit Kerja Account Solution 2. Establishing an Account Solution Work Unit
Dalam memastikan keberjalanan sistem account planning, To ensure the operation of the account planning system,
diperlukan sebuah unit/divisi yang bertugas dalam a unit/division is needed to take a responsibility for
mengakomodir dan mengkordinir kegiatan account planning accommodating and coordinating cross-divisional account
yang bersifat lintas divisi. Unit account solution akan planning activities. The account solution unit will play role
berperan dalam mengkordinir kegiatan account planning dan in coordinating account planning and supporting activities
supporting dalam pengumpulan data, wallet sizing, value in data collection, wallet sizing, value chain analysis, and
chain analysis, dan monitoring rencana aksi. Berdasarkan monitoring action plans. Based on the current conditions of
kondisi bjb saat ini, unit kerja account solution diusulkan bank bjb, the account solution work unit is proposed to be
didirikan dalam bentuk unit kerja yang berada pada Direktorat established in the form of a work unit under the Commercial
Komersial dan UMKM. and MSME Directorate.
3. Menerapkan Model Sales Hunter – Farmer Melalui AO 3. Implementing the Hunter – Farmer Sales Model through
Senior dan AO Junior AO Senior and AO Junior
Dengan berjalannya system one stop solution, diperlukan With the running of one stop solution system, a sales role
sebuah peran sales yang mampu menjaga overall relationship is required to be able to maintain the overall relationship in
dalam memahami kebutuhan nasabah dan turunannya serta understanding customer needs and their derivatives and
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mampu menawarkan produk atau layanan melalui cross able to offer products or services through cross selling. The
selling. Munculnya kebutuhan tersebut mendorong perlunya emergence of this need encourages the implementation of
penerapan model sales hunter – farmer. Dimana peran farmer the hunter - farmer sales model in which the role of farmer
akan dimiliki oleh Junior AO yang nantinya akan didukung will be run by Junior AO. Then, the Junior AO will later be
langsung oleh unit account solution dalam memberikan supported directly by the account solution unit in providing an
gambaran mengenai kebutuhan dan overall relationship overview of the needs and overall relationship and profitability
maupun profitability seorang nasabah of a customer.
4. Penyesuaian Shared KPI Product Holding 4. Adjustment of Shared KPI Product Holding
Salah satu faktor kunci keberhasilan menjadi one stop solution One of the key success factors in becoming a one stop
banking adalah dengan terlibat aktifnya semua peran baik banking solution is the active involvement of all roles, from
dari top management level hingga working level dan baik dari top management level to working level and from both
direktorat bisnis maupun supporting. Oleh karena itu dalam business and supporting directorates. Therefore, in achieving
menuju satu tujuan bersama, sharing KPI product holding one common goal, sharing product holding KPIs is a key
merupakan key enabler keberhasilan one stop solution enabler for the success of bjb’s one stop banking solution.
banking bjb.
Pilar III – Kolaborasi dan Anorganik Pillar III – Collaboration and Inorganic
Dalam menunjang target pertumbuhan aset dan bisnis, bank bjb To support the growth of asset and business targets, bank bjb
perlu melakukan kolaborasi dengan pihak ketiga serta akuisisi needs to collaborate with third parties and acquires subsidiaries.
anak usaha.
1. Kolaborasi 1. Collaboration
Terdapat beberapa peluang kolaborasi yang dapat There are several collaboration opportunities that can
meningkatkan sinergi bisnis bank bjb seperti kolaborasi increase bank bjb’s business synergy, such as collaboration
dengan perusahaan fintech dalam rangka perluasan kanal, with fintech companies for channel expansion, BPR, and asset
BPR, dan asset management company serta debt collection management companies as well as debt collection agencies
agency dalam rangka penyelesaian kredit hapus buku. for settling write-off credits.
2. Akuisisi Anak Usaha 2. Acquisition of Subsidiaries
Berdasarkan kondisi saat ini dan kebutuhan bisnis bank bjb, Based on current conditions and bank bjb’s business needs,
akuisisi anak usaha modal ventura digital dan pialang asuransi the acquisition of digital venture capital subsidiaries and
merupakan opsi strategi anorganik yang sesuai bank bjb insurance brokers is an inorganic strategy option that is
dalam mencapai target keuangan maupun bisnis di tahun suitable for bank bjb in achieving its financial and business
2025. targets in 2025.
Fondasi I – Menciptakan Best in Class Employee Foundation I – Creating Best in Class Employee
Terdapat empat pilar penguatan human capital yang bank bjb There are four pillars of strengthening human capital that bank
perlu lakukan yaitu: (i) Capacity fulfillment strategy; (ii) capability bjb needs to do, namely: (i) Capacity fulfillment strategy; (ii)
development; (iii) performance management; dan (iv) struktur capability development; (iii) performance management; and (iv)
organisasi. organizational structure.
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Gambar Fondasi Strategi Human Capital bjb A Figure of the Foundation of the bjb Human Capital
Strategy
Fulfillment Development Performance Management Organization Structure
Fulfillment Development Performance Management Organization Structure
Adanya potensi dalam Kebutuhan akan peningkatan Adanya potensi pengembangan Perlunya penyesuaian struktur
pengoptimalan efisiensi human standar kualitas pelayanan bjb Prestasiku dalam organisasi saat ini untuk
capital untuk • Alignment misi bjb memonitoring kinerja karyawan penyelarasan dengan target
mencapai target bisnis • Pertumbuhan bisnis cabang • Fitur bjb Prestasiku yang bisnis
Background / Background
• Dorongan digitalisasi • Persaingan kualitas layanan dapat dikembangkan dalam • Kebutuhan akan digitalisasi
• New normal pasca perbankan membantu pegawai dalam • Kebutuhan akan
• Pandemi pengelolaan performa • penyediaan One Stop Solution
• Kebutuhan bisnis baru • • dll
There is potential for optimizing The need for increased service quality There is potential for developing bjb The need to adjust the current
human capital efficiency for standards Selamatku in monitoring employee organizational structure to align with
achieve business targets • Bjb mission alignment performance business targets
• Digitization drive • Branch business growth • The bjb Panggangku feature can • The need for digitalization
• New normal post • Competition in the quality of be developed to help employees • The need for
• Pandemic banking services in managing performance • providing One Stop Solution
• New business needs • etc
Strategic Workforce Planning A. Pengembangan Customer Optimalisasi bjb Prestasiku Pembentukan Unit Kerja
Key Initiative / Key Initiative
• Analisis kebutuhan workforce Service Acumen • Pengembangan fitur: 360 • Account Solution
• Forecasting kondisi kebutuhan • Penerapan framework RoX feedback, whistleblowing, • Analytics
HC • Pelatihan Service Acumen company feedback Establishment of Work Units
• Pengembangan channel source B. Pengembangan training hub • Pengembangan mobile app • Account Solution
of talent melalui HRBP • Integrasi data dengan Core • Analytics
Strategic Workforce Planning C. Acumen Customer Service Banking System
• Analysis of workforce needs Development Optimizing bjb My Achievement
• Forecasting the condition of HC • Implementation of the RoX • Feature development: 360
needs framework feedback, whistleblowing,
• Development of source of talent • Acumen Service Training company feedback
channels D. Development of training hub • Mobile app development
through HRBP • Data integration with Core
Banking System
Fondasi II – Penguatan Keuangan dan Permodalan Foundation II – Strengthening Finance and Capital
Dalam mendukung target pertumbuhan aset bank bjb di tahun In supporting bank bjb’s asset growth target in 2025 and meeting
2025 dan pemenuhan kebutuhan rasio keuangan yang sehat, bjb the need for healthy financial ratios, bjb needs to carry out a
perlu melakukan strategi permodalan yang terdiri dari beberapa capital strategy consisting of several options: (i) rights issue and (ii)
opsi: (i) right issue dan (ii) sub-debt (obligasi subordinasi). sub-debt (subordinated bonds).
Perselisihan Internal Internal Disputes
Selama tahun 2023 tidak terdapat perselisihan internal antar During 2023 there will be no internal disputes between employees.
pegawai.
Penyediaan Dana Besar dan Provision of Large Funds and Provision
Penyediaan Dana Kepada Pihak Terkait of Funds to Related Parties
Penyediaan dana menjadi salah satu kegiatan usaha utama yang Provision of funds is one of the main business activities carried out
dilaksanakan oleh Perseroan untuk menghindari kegagalan by the Bank to avoid the failure of the Bank’s business as a result
usaha Bank sebagai akibat konsentrasi penyediaan dana dan of the concentration of the provision of funds and increase the
meningkatkan independensi Direksi dan Dewan Komisaris independence of the Directors and the Board of Commissioners of
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TATA KELOLA
PERUSAHAAN
terhadap potensi intervensi dari pihak terkait, Bank menerapkan potential interventions from related parties.The Bank applies the
prinsip kehati-hatian dan manajemen risiko dalam memberikan principle of prudence and risk management in providing funds,
penyediaan dana, khususnya penyediaan dana kepada pihak particularly the provision of funds to related parties and/or the
terkait dan/atau penyediaan dana besar (large exposures) provision of large exposures based on the provisions governing
berpedoman pada ketentuan yang mengatur mengenai batas the maximum lending limit for commercial banks.
maksimum pemberian kredit bank umum.
Direksi menetapkan kebijakan penyediaan dana, khususnya The Directors sets the policy for providing funds, especially the
penyediaan dana besar untuk melakukan pengendalian serta provision of large funds to control and monitor risks in the process
pemantauan risiko di dalam proses penyediaan dana kepada of providing funds to third parties so that the risks arising from
pihak ketiga sehingga risiko yang timbul atas kegiatan penyediaan the provision of these funds will not have a significant impact on
dana tersebut tidak akan memberikan dampak secara signifikan the Company.
terhadap Perseroan.
Jumlah 2023
2023 amount
Penyedia Dana
No
Fund Provider Nominal
Number of Account
(dalam jutaan Rupiah)
(NoA)
nominal (in million rupiah)
1 Kepada Pihak Terkait/ To Related Parties 25 603,612
2 Kepada 50 Debitur Inti/ To 50 Core Debtors
a. Individu/ Individual 6 6,426,706
b. Grup/ Group 10 5,357,252
Total Debitur Inti/ Total Core Debtors 26 11,783,958
Transaksi yang Mengandung Benturan Transactions Containing Conflict of
Kepentingan Interest
Bank bjb telah memiliki Kebijakan terkait Benturan Kepentingan bank bjb already owned a Conflict of Interest Guidelines to be
untuk dapat menangani situasi benturan kepentingan yang able to handle conflict of interest situations at hand, in order to
dihadapi, dalam rangka menjalankan kegiatan usaha Bank yang carry out the Bank’s business activities as stipulated in:
telah ditetapkan melalui:
1. Surat Keputusan Direksi Nomor 0705/SK/DIR-KAP/2021 1. Decree of Directors number 0705/SK/DIR-KAP/2021 dated
tanggal 13 September 2021 tentang Kebijakan Tata Kelola; September 13, 2021 concerning Corporate Governance
Policy;
2. Surat Keputusan Direksi Nomor 0077/SK/DIR-CS/2019 tanggal 2. Decree of Directors number 0077/SK/DIR-CS/2019 dated
14 Januari 2019 tentang Kebijakan Tata Tertib Kerja Direksi; January 14, 2019 concerning Directors’ Work Procedures
Policy;
3. Surat Keputusan Dewan Komisaris Nomor 02/SK/DKO/2022 3. Decree of Board of Commissioners number 02/SK/
tanggal 04 Januari 2022 tentang Pedoman dan Tata Tertib DKO/2022 dated January 04, 2022 concerning the Board of
Kerja Dewan Komisaris. Commissioners Work Guidelines and Procedures.
4. Surat Keputusan Direksi Nomor 0422/SK/DIR-KAP/2022 4. Decree of the Directors number 0422/SK/DIR-KAP/2022
tanggal 05 Agustus 2022 tentang Pedoman Benturan dated August 05, 2022 concerning Guidelines for Conflict of
Kepentingan; Interest;
Setiap pegawai Bank yang berpotensi atau telah berada dalam Every bank employee who has the potential or is in a conflict of
situasi Benturan Kepentingan wajib mengungkapkan melalui interest situation is obliged to make a report regarding the conflict
laporan mengenai situasi Benturan Kepentingan yang akan/ of interest situation that will be/is facing him through a declaration
sedang dihadapinya, melalui surat deklarasi yang disampaikan letter which is submitted to the party who manages the conflict
kepada pihak pengelola situasi Benturan Kepentingan untuk of interest situation/official/recommendation party to be given a
kemudian diberikan rekomendasi. recommendation.
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Selain itu seluruh pengungkapan yang tertuang di dalam laporan In addition, all disclosures contained in the report regarding
mengenai situasi Benturan Kepentingan dan rekomendasi yang conflict of interest situations and recommendations given for
diberikan atas pengungkapan situasi Benturan Kepentingan disclosure of conflict of interest situations are copied to the
tersebut disampaikan kepada Divisi Kepatuhan & APU PPT untuk Compliance Division and AML CTF to monitor and evaluate the
dilakukan pemantauan dan evaluasi terhadap implementasi atas implementation of conflict of interest management within bank
pengelolaan Benturan Kepentingan di lingkungan bank bjb. bjb.
Pencegahan Transaksi Orang Dalam Prevention of Inside Transactions
(Insider Trading) (Insider Trading)
Kebijakan Bank terkait Insider Trading telah diatur dalam Surat The Company’s policy regarding Insider Trading was regulated in
Keputusan Direksi nomor 709/SK/DIR-KP/2014 tanggal 7 Oktober the Decree of the Directors number 709/SK/DIR-KP/2014 dated
2014 tentang Etika Usaha dan Tata Perilaku (Code of Conduct) October 7, 2014 concerning Business Ethics and Code of Conduct
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. dan for PT Bank Pembangunan Daerah Jawa Barat and Banten, Tbk.
Surat Keputusan Direksi nomor 0539/SK/DIR-HCA/2021 tanggal and the Decree of the Directors number 0539/SK/DIR-HCA/2021
30 Juli 2021 tentang SOP Disiplin Pegawai. dated July 30, 2021 regarding the SOP for Employee Discipline.
Bank meminimalisir terjadinya insider trading tersebut melalui The Company minimized the occurrence of insider trading
kebijakan tersebut yang salah satunya mengatur secara tegas through these policies, one of which strictly regulated data and/
data dan/atau informasi yang bersifat rahasia dengan yang or information that was confidential with that of the public, as
bersifat publik, serta membagi tugas dan tanggung jawab atas well as dividing the duties and responsibilities for managing the
pengelolaan informasi dimaksud secara proporsional dan efisien. information in a proportional and efficient manner. During 2023
Selama tahun 2023 tidak terdapat insider trading. there was no insider trading.
Transparansi Kondisi Keuangan dan Transparency of Financial and
Non Keuangan Perusahaan Nonfinancial Conditions of the
Company
Bank bjb memenuhi kewajiban transparansi dan publikasi kondisi bank bjb fulfills transparency and publication obligations of
keuangan dan non keuangan sesuai ketentuan yang berlaku financial and non-financial conditions by applicable provisions
melalui penyampaian dan publikasi informasi baik melalui media through the delivery and publication of information through
cetak maupun situs web perusahaan. Adapun bentuk transparansi both print media and company websites. The forms ofinancial
keuangan dan non keuangan dimaksud antara lain: and nonfinancial transparency meant before are written in the
following sentences:
1. Laporan Keuangan Bulanan dan Triwulan disampaikan 1. Monthly and Quarterly Financial Reports are submitted to the
kepada regulator. regulator.
2. Laporan Keuangan Bulanan dan Triwulan disampaikan 2. Monthly and Quarterly Financial Reports are submitted to
kepada regulator dan dipublikasikan di situs web Perusahaan regulators and published on the Company’s website as well as
juga media cetak nasional dan lokal terpilih. selected national and local print media.
3. Laporan Tahunan bank bjb disusun sesuai ketentuan yang 3. The annual bank bjb report is prepared under applicable
berlaku dan disampaikan kepada stakeholder maupun regulations and submitted to the Company’s stakeholders and
shareholder Perusahaan juga dipublikasikan melalui situs shareholders also published through the website.
web.
4. Informasi Tata Kelola Perusahaan di antaranya Laporan GCG 4. Corporate Governance Information including the Annual GCG
Tahunan dan Laporan Tata Kelola Terintegrasi Tahunan dan Report and the Annual Integrated Corporate Governance
dipublikasikan melalui Situs Web bank bjb. Report and published through the bank bjb‘s website.
5. Informasi Produk dan Layanan serta jaringan kantor layanan 5. Product and Service Information and the bank’s office service
bank diinformasikan melalui situs web dan media sosial network are actively informed through the Company’s website
Perusahaan secara aktif. and social media.
6. Informasi lainnya yang mendukung keterbukaan informasi, 6. Other information that supports information disclosure,
edukasi keuangan, dan layanan kepada masyarakat dilakukan financial education, and services to the public is carried
melalui media informasi dan publikasi yang dimiliki Perusahaan out through information media and publications owned by
termasuk penyelenggaraan kegiatan korporasi. the Company including the implementation of corporate
activities.
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Penerapan Tata Kelola Terintegrasi
Basic Application of Corporate Governance Integrated
Sesuai dengan Peraturan Otoritas Jasa Keuangan Nomor 18/ In accordance with the Financial Services Authority Regulation
POJK.03/2014 tentang Penerapan Tata Kelola Bagi Konglomerasi number 18/POJK.03/2014 concerning the implementation of
Keuangan Tata Kelola Terintegrasi, bank bjb termasuk lembaga Governance for the Integrated Conglomerate, bank bjb belongs
keuangan yang memiliki kewajiban penerapan tata kelola to the financial institution that has the obligation to implement
terintegrasi. Hal tersebut dikarenakan terdapatnya kepemilikan integrated governance. That is because there are shares in several
saham beberapa Lembaga Jasa Keuangan oleh bank bjb. Financial Services Institutions by the bank bjb.
Selain hal tersebut, dengan kedudukan bank bjb sebagai Lembaga Furthermore, bank bjb as a Financial Services Institution whose
Jasa Keuangan yang Pemegang Saham Pengendalinya adalah controlling shareholder is the West Java Provincial Government,
Pemerintah Provinsi Jawa Barat, bank bjb memiliki keterkaitan bank bjb has a relationship with the Financial Services Institution
dengan Lembaga Jasa Keuangan yang dimiliki oleh Pemerintah owned by the West Java Provincial Government. Therefore, the
Provinsi Jawa Barat. Hal ini menjadikan Perseroan memiliki Company has a controlling relationship with the Financial Services
hubungan pengendalian dengan Lembaga Jasa Keuangan yang owned by the Government of West Java Province. Based on
dimiliki oleh Pemerintah Provinsi Jawa Barat. Atas dasar inilah this, the Company and all financial service institutions that have
Perseroan bersama seluruh Lembaga jasa Keuangan yang memiliki ownership and control relationships can be categorized as a
hubungan kepemilikan maupun hubungan pengendalian dapat Financial Conglomerate.
dikategorikan sebagai suatu Konglomerasi Keuangan.
Sebagai bagian dari Konglomerasi Keuangan tersebut, bank bjb As a part of the Financial Conglomerate, the bank bjb is willing to be
berkeinginan untuk dapat berperan aktif di dalam melaksanakan able to play an active role in implementing integrated governance
tata kelola terintegrasi sesuai Peraturan Otoritas Jasa Keuangan in accordance with Financial Services Authority Regulation number
nomor 18/POJK.03/2014 tentang Penerapan Tata Kelola Bagi 18/POJK.03/2014 concerning The Implementation of Governance
Konglomerasi Keuangan. Dengan demikian, pelaksanaan tata for the Integrated Conglomerates. Thus, the implementation of
kelola yang dilakukan secara terintegrasi tersebut ke depannya governance carried out in an integrated manner in the future can
dapat mewujudkan suatu konglomerasi keuangan yang sehat create a healthy financial conglomerate that can participate in
yang dapat berpartisipasi di dalam menciptakan sektor jasa creating a financial service sector that grows in a sustainable and
keuangan yang tumbuh secara berkelanjutan dan stabil. stable manner.
Berdasarkan surat Nomor 539/1030/Inves&BUMD tanggal 2 Based on the letter No. 539/1030/Inves&BUMD dated March 2,
Maret 2015 perihal Penunjukan bank bjb Selaku Entitas Utama 2015 concerning the Appointment of the bank bjb as the Main
dan surat nomor 539/1495/Inves&BUMD tanggal 27 Maret 2015 Entity and letter No.539/1495/Inves&BUMD dated March 27,
perihal Penunjukan bank bjb Selaku Entitas Utama, Bank ditunjuk 2015 regarding the appointment of the bank bjb as the Main
selaku Entitas Utama bagi seluruh Lembaga Jasa Keuangan yang Entity, the Bank is appointed as the Main Entity for all Financial
dimiliki dan/atau dikendalikan oleh Pemerintah Provinsi Jawa Services Institution owned and/or controlled by the Government
Barat. Beberapa upaya yang telah dilakukan oleh Bank terkait of West Java Province. Some efforts made by the Bank related to
implementasi Peraturan Otoritas Jasa Keuangan nomor 18/ the implementation of the Financial Services Authority Regulation
POJK.02/2014 tersebut adalah sebagai berikut: number 18/POJK.02/2014 are as follows:
1. Pembentukan Satuan Kerja 1. The Formation of Work Unit
Berdasarkan Surat Keputusan Direksi Nomor 0376/SK/DIR- Based on the Decree of the of Directors Number 0376/SK/
PST/2021 tanggal 10 Mei 2021 tentang Deskripsi Jabatan, DIRPST/ 2021 dated May 10, 2021 concerning Job Description,
diatur mengenai hal-hal sebagai berikut: the following matters are regulated:
a. Pelaksanaan Fungsi Kepatuhan Terintegrasi pada a. Implementation of the Integrated Compliance Function
konglomerasi keuangan bank bjb dilaksanakan oleh Divisi at the bank bjb financial conglomerate is carried out
Kepatuhan & APU-PPT Grup Tata Kelola & Pengendalian by the Compliance Division & AML-CFT Gratification
Gratifikasi; Management & Control Group;
b. Pelaksanaan Fungsi Manajemen Risiko Terintegrasi pada b. Implementation of the Integrated Risk Management
konglomerasi keuangan bank bjb dilaksanakan oleh Divisi Function at the bank bjb financial conglomerate is carried
Manajemen Risiko Grup Manajemen Risiko Terintegrasi. out by the Risk Management Division of the Integrated
Risk Management Group.
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c. Pelaksanaan Fungsi Audit Internal Terintegrasi c. The Integrated Internal Audit Group carries out
dilaksanakan oleh Grup Audit Internal Terintegrasi di implementation of the Integrated Internal Audit Function
Satuan Kerja Audit Internal. in the Internal Audit Unit.
2. Pembentukan Komite Tata Kelola Terintegrasi 2. The Establishment of an Integrated Governance
Committee
Berdasarkan Surat Keputusan Dewan Komisaris Nomor 06/ Based on the Decree of the Board of Commissioners Number
SK/DKO/2021 tanggal 28 Desember 2021 tentang Pedoman 06/SK/DKO/2021 dated December 28, 2021 regarding the
dan Tata Tertib Kerja Komite Tata Kelola Terintegrasi, Struktur Guidelines and Work Order of the Integrated Governance
Keanggotaan Komite Tata Kelola Terintegrasi adalah sebagai Committee, the Membership Structure of the Integrated
berikut: Governance Committee is as follows:
a. 1 (satu) Komisaris Independen sebagai Ketua merangkap a. 1 (one) Independent Commissioner as Chairman and
anggota AN. Fahlino F. Sjuib concurrently member namely Fahlino F. Sjuib
b. 1 (satu) Komisaris Utama Independen sebagai anggota b. 1 (one) Independent President Commissioner as a
AN. Farid Rahman member namely Farid Rahman
c. 1 (satu) Komisaris sebagai anggota AN. Muhadi c. 1 (one) Commissioner as a member namely Muhadi
d. Pihak Independen sebagai anggota AN. Dinan Sufendi d. Independent Party as a member namely Dinan Sufendi
RAE RAE
e. 5 (lima) orang anggota ex officio dari Dewan Komisaris e. 1 (one) Ex Officio Board of Commissioners of bank bjb
dan Dewan Pengawas Perusahaan anak (dalam bentuk Syariah 1 (one) Ex Officio bank bjb Syariah supervisory
seperti ini karena belum dilakukan penyesuaian board. 2 (two) Ex Officio Board of Commissioners of BPR
oleh Dewan Komisaris terkait Dewan Pengawas BPR Subsidiaries 1 (one) Ex Officio Board of Commissioners of
seharusnya dari 2 (dua) menjadi 1 (satu)) bjb Sekuritas
3. Pembentukan Komite Manajemen Risiko Terintegrasi 3. Establishment of an Integrated Risk Management
Committee
Berdasarkan Surat Keputusan Direksi bank bjb Nomor Based on the Decree of the Directors of bank bjb Number
0823/SK/DIR-MRI/2021 tanggal 28 Desember 2021 tentang 0823/SK/DIR-MRI/2021 dated December 28, 2021, concerning
Pedoman Komite Manajemen Risiko Terintegrasi, KMRT Guidelines for the Integrated Risk Management Committee,
dalam metodologi proses manajemen risiko bertugas untuk KMRT in the risk management process methodology is tasked
mengembangkan budaya risiko dan menetapkan arahan with developing a risk culture and setting directions for all
untuk seluruh aktivitas yang mengandung risiko dalam activities that contain risks in the Financial Conglomerate.
Konglomerasi Keuangan. Proses Komite Manajemen Risiko The process of the Integrated Risk Management Committee
Terintegrasi secara spesifik terdapat dalam Pedoman Komite is specifically contained in the Integrated Risk Management
Manajemen Risiko Terintegrasi. Committee Guidelines.
Susunan keanggotaan Komite Manajemen Risiko Terintegrasi The membership structure of the Integrated Risk Management
terdiri dari: Committee consists of:
Ketua merangkap anggota tetap: Direktur Entitas Utama Chairman concurrently as permanent member: Director
yang membidangi Fungsi Manajemen Risiko of Main Entity in charge of Risk Management Function
Sekretaris merangkap anggota tetap: Pemimpin Divisi Secretary concurrently permanent member: Risk
Manajemen Risiko Entitas Utama Management Division Head of Main Entity
Anggota tetap: Permanent Member:
• Direktur Entitas Utama yang membidangi fungsi • Main Entity Director in charge of Subsidiary Management
Pengelolaan Anak Perusahaan; functions;
• Direktur yang membidangi dungsi Manajemen Risiko • Director in charge of the Risk Management function
dari masing-masing Lembaga Jasa Keuangan dalam of each Financial Services Institution in the Financial
Konglomerasi Keuangan; Conglomeration;
• Pemimpin Divisi Manajemen Anak Perusahaan Entitas • Head of Main Entity Subsidiary Management Division
Utama
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Anggota Tidak Tetap: Non-Permanent Members:
• Para undangan sesuai dengan materi pembahasan. • The invitees correspond to the discussion material.
4. Penyusunan Pedoman Tata Kelola Terintegrasi 4. Preparation of Integrated Governance Guidelines
Sebagai Entitas Utama, Bank juga memiliki kewajiban untuk As the Main Entity, Bank also should prepare Integrated
menyusun Pedoman Tata Kelola Terintegrasi. Penyusunan Governance Guidelines. The preparation of the Integrated
Pedoman Tata Kelola Terintegrasi dimaksud berpedoman Governance Guidelines refers to the Financial Services Authority
kepada Peraturan Otoritas Jasa Keuangan Nomor 18/ Regulation Number 18/POJK.03/2014 concerning the
POJK.03/2014 tentang Penerapan Tata Kelola Bagi Implementation of Governance for Financial Conglomerates
Konglomerasi Keuangan serta ketentuan- ketentuan yang and the provisions that apply to each Financial Services
berlaku bagi masing-masing Lembaga Jasa Keuangan yang Institution incorporated in the Financial Conglomerate. The
tergabung di dalam Konglomerasi Keuangan. Bank telah Bank has established integrated governance guidelines
menetapkan pedoman tata kelola terintegrasi melalui Surat through the Decree of the Directors Number 0705/SK/
Keputusan Direksi Nomor 0705/SK/DIR-KAP/2021 tanggal DIR-KAP/2021 dated October 27, 2021 concerning Bank
27 Oktober 2021 tentang Kebijakan Tata Kelola Bank, yang Governance Policy, in which the Board has approved the
mana Kebijakan tersebut telah mendapat persetujuan Dewan Policy of Commissioners following Letter Number 103/
Komisaris sesuai dengan Surat Nomor 103/DKO/M/2021 DKO/M/ 2021 dated October 27, 2021 regarding Approval of
tanggal 27 Oktober 2021 perihal Persetujuan Revisi Kebijakan Revision of Bank Governance Policy.
Tata Kelola Bank.
5. Penyusunan Kebijakan dan Pedoman Manajemen Risiko 5. Preparation of Integrated Risk Management Preparation
terintegrasi of Integrated Risk Management
Salah satu upaya di dalam pelaksanaan penerapan manajemen One of the efforts in implementing the implementation of
risiko terintegrasi, bank bjb telah menyusun Kebijakan integrated risk management, bank bjb has compiled a Risk
dan Pedoman Manajemen Risiko sesuai dengan Surat Management Policy and Guidelines following the Decree
Keputusan Direksi nomor 0403/SK/DIR-MRI/2020 tanggal of the Directors number 0403/SK/DIR-MRI/2020 dated
24 Juni 2020 yang didalamnya memuat penerapan serta June 24, 2020, which includes the implementation and
pengelolaan Manajemen Risiko Terintegrasi yang cakupannya management of Integrated Risk Management which covers
disesuaikan dengan Peraturan Otoritas Jasa Keuangan adjusted to the Financial Services Authority Regulation
Nomor 17/POJK.03/2014 tentang Penerapan Manajemen Number 17/POJK.03/2014 concerning the Implementation
Risiko Terintegrasi bagi Konglomerasi Keuangan. Penerapan of Integrated Risk Management for Financial Conglomerates.
Manajemen Risiko Terintegrasi terdiri atas pengelolaan risiko- The implementation of Integrated Risk Management
risiko yang ada di dalam Konglomerasi Keuangan dan empat consists of managing the risks that exist within the Financial
pilar penerapan Manajemen Risiko Terintegrasi sesuai dengan Conglomerate and the four pillars of the implementation of
ketentuan serta menjadi acuan bagi Satuan Kerja Manajemen Integrated Risk Management following the provisions as well
Risiko Terintegrasi (SKMRT) dalam melaksanakan fungsi as being a reference for the Integrated Risk Management Unit
manajemen risiko di dalam Konglomerasi Keuangan. (SKMRT) in carrying out the risk management function within
the Financial Conglomerate.
6. Penyusunan Laporan Pelaksanaan Tata Kelola 6. Preparation of Integrated Governance Implementation
Terintegrasi Reports
Sesuai Surat Edaran Otoritas Jasa Keuangan Nomor 15/ In accordance with the OJK Circular Letter 15/SEOJK.03/2015
SEOJK.03/2015 tanggal 25 Mei 2015 perihal Penerapan Tata dated 25 May 2015 concerning the Implementation of
Kelola Terintegrasi Bagi Konglomerasi Keuangan bank selaku Integrated Governance for Financial Conglomerates, banks as
Entitas Utama wajib menyusun dan menyampaikan Laporan the Main Entity are required to prepare and submit an Annual
Tahunan Pelaksanaan Tata Kelola Terintegrasi kepada Otoritas Report on the Implementation of Integrated Governance to
Jasa Keuangan paling lama 5 (lima) bulan sejak tahun buku the Financial Services Authority no later than 5 (five) months
berakhir, serta mempublikasikan laporan tahunan dimaksud from the end of the financial year, and publish the annual
dalam situs web Entitas Utama paling lama 5 (lima) bulan report on the Main Entity website no later than 5 (five) months
sejak tahun buku berakhir. from the end of the financial year.
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Assessment Tata Kelola Terintegrasi Integrated Governance Assessment
Hasil Assessment Tata Kelola Terintegrasi Periode Januari – Juni The results of the Integrated Governance Assessment for the
2023 adalah sebagai berikut. January – June 2023 period were as follows.
Hasil Penilaian Sendiri Pelaksanaan Tata Kelola Terintegrasi
Self Assessment Results Implementation of Integrated Governance
Peringkat Definisi Peringkat
Rating Rating definition
Mencerminkan manajemen Bank telah melakukan penerapan Tata Kelola yang secara umum Sangat Baik. Hal ini tercermin
dari pemenuhan yang sangat memadai atas prinsip Tata Kelola. Dalam hal terdapat kelemahan penerapan prinsip Tata
Kelola, secara umum kelemahan tersebut tidak signifikan dan dapat segera dilakukan perbaikan oleh manajemen Bank.
2
Reflects that the Bank’s management has implemented Governance which is generally very good. This is reflected in the
very adequate fulfillment of Governance principles. In the event that there are weaknesses in the application of Governance
principles, in general these weaknesses are not significant and can be immediately corrected by Bank management.
Kesimpulan:
Berdasarkan analisis terhadap indikator pada seluruh faktor penilaian pelaksanaan Tata Kelola Terintegrasi disimpulkan bahwa:
Conclusion:
Based on an analysis of indicators on all factors evaluating the implementation of Integrated Governance, it was concluded that:
A. Struktur Tata Kelola Terintegrasi
Nilai-nilai yang mencerminkan kekuatan aspek struktur Tata Kelola Terintegrasi Konglomerasi Keuangan adalah:
1. Direksi dan Dewan Komisaris Entitas Utama telah dinyatakan lulus uji kemampuan dan kepatutan (fit and proper test) yang diselenggarakan oleh Otoritas
Jasa Keuangan sehingga memenuhi persyaratan integritas, kompetensi dan reputasi keuangan yang dibutuhkan dalam kegiatan bisnis Lembaga Jasa
Keuangan yang bergerak di sektor perbankan.
2. Entitas Utama telah membentuk Komite Tata Kelola Terintegrasi yang diketuai oleh Komisaris Independen dan Anggota dari pihak Independen sebagai
anggota Komite Tata Kelola Terintegrasi.
3. Jumlah dan komposisi Komisaris Independen yang menjadi anggota telah sesuai dengan kebutuhan Konglomerasi Keuangan serta efisiensi dan efektivitas
pelaksanaan tugas Komite telah memenuhi keterwakilan masing-masing sektor jasa keuangan.
4. Satuan Kerja Kepatuhan Terintegrasi Entitas Utama bertindak secara independen terhadap satuan kerja operasional yang ada, dan terdiri dari sumber
daya manusia yang berkualitas sebagai anggota Satuan Kerja Kepatuhan Terintegrasi.
5. Satuan Kerja Audit Internal independen terhadap Satuan Kerja Operasional sebagai Entitas Utama pada Konglomerasi Keuangan dengan Piagam Audit
Internal dan Pedoman Struktur Organisasi.
6. Direksi Entitas Utama telah memenuhi kebutuhan sumber daya manusia yang berkualitas sebagai anggota untuk melaksanakan fungsi Satuan kerja Audit
Internal dengan kompetensi yang memadai baik secara individual maupun kolektif.
7. Sebagai wujud penerapan Manajemen Risiko yang baik, Entitas Utama telah memiliki struktur organisasi yang memadai bagi Konglomerasi Keuangan.
8. Entitas Utama telah memiliki Kebijakan Manajemen Risiko Terintegrasi yang tertuang dalam Kebijakan Manajemen Risiko mencakup pengelolaan
Manajemen Risiko sesuai dengan yang telah ditetapkan oleh regulator.
9. Kebijakan Tata Kelola Terintegrasi yang tertuang dalam Kebijakan Tata Kelola Bank terdiri dari kerangka Tata kelola Terintegrasi bagi Entitas Utama dan
Lembaga Jasa Keuangan.
10.Kerangka Tata Kelola Terintegrasi bagi Entitas Utama dan Lembaga Jasa Keuangan telah sesuai dengan ketentuan regulator.
A. Integrated Governance Structure
The values that reflected the strength of the structural aspects of the Financial Conglomerate Integrated Governance were:
1. The Main Entity’s Board of Directors and Board of Commissioners have been declared to have passed the fit and proper test conducted by the Financial
Services Authority so that they meet the requirements for integrity, competency and financial reputation required in the business activities of Financial
Services Institutions operating in the banking sector.
2. The Main Entity formed an Integrated Governance Committee chaired by an Independent Commissioner and Members of the Independent party as
members of the Integrated Governance Committee.
3. The number and composition of the Independent Commissioners were in accordance with the needs of the Financial Conglomerate and the efficiency
and effectiveness of the implementation of the Committee’s duties had fulfilled the representation of each financial services sector.
4. The Main Entity Integrated Compliance Work Unit acts independently of existing operational work units, and consists of qualified human resources as
members of the Integrated Compliance Work Unit.
5. The Internal Audit Work Unit is independent of the Operational Work Unit as the Main Entity in the Financial Conglomerate with an Internal Audit Charter
and Organizational Structure Guidelines.
6. The Main Entity’s Board of Directors has fulfilled the need for quality human resources as members to carry out the functions of the Internal Audit Work
Unit with adequate competence both individually and collectively.
7. As a form of implementing good Risk Management, the Main Entity has an adequate organizational structure for the Financial Conglomerate.
8. The Main Entity has an Integrated Risk Management Policy which is contained in the Risk Management Policy which includes Risk Management
management in accordance with what has been determined by the regulator.
9. The Integrated Governance Policy contained in the Bank Governance Policy consists of an Integrated Governance framework for Main Entities and
Financial Services Institutions.
10.The Integrated Governance Framework for Main Entities and Financial Services Institutions is in accordance with regulatory provisions
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1101
Page 593
TATA KELOLA
PERUSAHAAN
Hasil Penilaian Sendiri Pelaksanaan Tata Kelola Terintegrasi
Self Assessment Results Implementation of Integrated Governance
B. Proses Tata Kelola Terintegrasi
1. Nilai-nilai yang mencerminkan kekuatan aspek proses Tata Kelola Terintegrasi Konglomerasi Keuangan adalah:
a. Direksi Entitas Utama telah menyampaikan Pedoman Tata Kelola Terintegrasi kepada Direksi Lembaga Jasa Keuangan dalam Konglomerasi Keuangan.
b. Direksi Entitas Utama melalui Organ Pendukung telah memberikan arahan, memantau, dan mengevaluasi pelaksanaan Pedoman Tata Kelola
Terintegrasi melalui kegiatan Focus Group Discussion dan kegiatan workshop Tata Kelola Terintegrasi dalam Konglomerasi Keuangan kepada seluruh
LJK anggota Konglomerasi Keuangan.
c. Direksi Entitas Utama telah menindaklanjuti seluruh arahan atau nasihat Dewan Komisaris dalam rangka penyempurnaan Pedoman Tata Kelola
Terintegrasi.
d. Direksi Entitas Utama telah menindaklanjuti hasil pemeriksaan Satuan Kerja Audit Internal Terintegrasi dan hasil review Satuan Kerja Kepatuhan
Terintegrasi serta telah dilakukan monitoring oleh Divisi Manajemen Anak Perusahaan.
e. Dewan Komisaris telah menyelenggarakan rapat gabungan Dewan Komisaris dengan Direksi selama semester I sebanyak 17 (tujuh belas) kali, dan
rapat internal semester I sebanyak 13 (tiga belas) kali.
f. Dewan Komisaris Entitas Utama telah melakukan pengawasan melalui Komite Tata Kelola terintegrasi atas pelaksanaan tugas dan tanggung jawab
Direksi Entitas Utama melalui rapat Komite Tata Kelola Terintegrasi secara berkala.
g. Komite Tata Kelola Terintegrasi telah melakukan evaluasi terhadap pelaksanaan Tata Kelola Terintegrasi baik penilaian kecukupan pengendalian
internal dan pelaksanaan fungsi Kepatuhan Terintegrasi melalui pelaksanaan rapat Komite Tata Kelola Terintegrasi.
h. Komite Tata Kelola Terintegrasi telah menyelenggarakan rapat Komite Tata Kelola Terintegrasi selama periode Januari sampai dengan Juni Tahun
2022 sebanyak 2 (dua) kali.
i. Satuan Kerja Kepatuhan Terintegrasi telah melakukan monitoring dan evaluasi penerapan fungsi Kepatuhan pada Lembaga Jasa Keuangan dalam
Konglomerasi Keuangan melalui kegiatan Focus Group Discussion dan workshop Tata Kelola Terintegrasi dalam Konglomerasi Keuangan.
j. Satuan Kerja Audit Internal telah melakukan monitoring, peningkatan kualitas dan pemeriksaan terhadap penerapan fungsi Audit Internal pada
Lembaga Jasa Keuangan dalam Konglomerasi Keuangan selama periode Semester I tahun 2023.
k. Entitas Utama telah menerapkan Manajemen Risiko Terintegrasi sesuai dengan ketentuan Otoritas Jasa Keuangan pada Lembaga Jasa Keuangan
dalam Konglomerasi Keuangan melalui kegiatan Focus Group Discussion dan workshop Tata Kelola Terintegrasi dalam Konglomerasi Keuangan
selama periode Semester I Tahun 2023.
l. Pelaksanaan proses Tata Kelola Terintegrasi oleh Entitas Utama dan Lembaga Jasa Keuangan dalam Konglomerasi Keuangan telah berpedoman
kepada Kebijakan Tata Kelola Terintegrasi.
2. Nilai-nilai yang mencerminkan kelemahan aspek proses Tata Kelola Terintegrasi Konglomerasi Keuangan adalah masih terdapat entitas yang belum
menindaklanjuti hasil review sebagai bentuk pengembangan atas penerapan fungsi Manajemen Risiko, fungsi kepatuhan dan fungsi audit internal dari
Entitas Utama.
B. Integrated Governance Process
1. The values that reflected the strength of the aspects of the Financial Conglomerate Integrated Governance process were:
a. Main Entity Directors had submitted the Integrated Governance Guidelines to the Directors of Financial Services Institutions in the Financial
Conglomerate.
b. The Board of Directors of the Main Entity through the Supporting Organs had provided direction, monitored, and evaluated the implementation of
the Integrated Governance Guidelines through Focus Group Discussion activities on Integrated Governance in the Financial Conglomeration to all LJK
members of the Financial Conglomerate.
c. Main Entity Directors followed up on all directions or advice from the Board of Commissioners in order to improve the Integrated Governance
Guidelines.
d. The Board of Directors of the Main Entity had followed up on the inspection results of the Integrated Internal Audit Work Unit and the results of the
review of the Integrated Compliance Work Unit and monitoring had been carried out by the Subsidiary Management Division.
e. The Board of Commissioners has held joint meetings between the Board of Commissioners and the Board of Directors during the first semester 17
(seventeen) times, and internal meetings in the first semester 13 (thirteen) times.
f. The Main Entity Board of Commissioners conducted supervision through the integrated Governance Committee on the implementation of the duties
and responsibilities of the Main Entity Directors through regular Integrated Governance Committee meetings.
g. The Integrated Governance Committee has carried out an evaluation of the implementation of Integrated Governance, both assessing the adequacy
of internal control and the implementation of the Integrated Compliance function through holding Integrated Governance Committee meetings.
h. The Integrated Governance Committee has held Integrated Governance Committee meetings during the period January to June 2022 2 (two) times.
i. The Integrated Compliance Work Unit monitored and evaluated the implementation of the Compliance function in Financial Services Institutions in
the Financial Conglomerate through the Focus Group Discussion on Integrated Management in the Financial Conglomerate.
j. The Internal Audit Work Unit has carried out monitoring, quality improvement and inspection of the implementation of the Internal Audit function in
Financial Services Institutions in Financial Conglomerates during the first semester of 2023.
k. The Main Entity has implemented Integrated Risk Management in accordance with the provisions of the Financial Services Authority for Financial
Services Institutions in Financial Conglomerates through Focus Group Discussion activities and workshops on Integrated Governance in Financial
Conglomerates during the first semester of 2023.
l. The implementation of the Integrated Governance process by Main Entities and Financial Services Institutions in the Financial Conglomerate was
guided by the Integrated Governance Policy.
2. Values that reflect weaknesses in the Integrated Governance process aspects of the Financial Conglomerate are the existence of entities not conducting
the follow up toward the results of the review as a form of improvement of the implementation of the Risk Management function, compliance function,
and internal audit function of the Main Entity.
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Hasil Penilaian Sendiri Pelaksanaan Tata Kelola Terintegrasi
Self Assessment Results Implementation of Integrated Governance
C. Hasil Tata Kelola Terintegrasi
1. Nilai-nilai yang mencerminkan kekuatan aspek proses Tata Kelola Terintegrasi Konglomerasi Keuangan adalah:
a. Pedoman Tata Kelola Terintegrasi telah dilakukan penyesuaian sesuai dengan arahan Dewan Komisaris Entitas Utama.
b. Direksi Entitas Utama telah memantau dan monitoring temuan audit serta rekomendasi atas pemeriksaan umum yang dilakukan oleh Satuan Kerja
Audit Internal Terintegrasi, Auditor Eksternal, hasil pengawasan OJK, pengawasan otoritas lainnya antara lain Bank Indonesia, pengawasan terhadap
kantor pusat dan cabang yang berada di luar negeri.
c. Hasil rapat Dewan Komisaris Entitas Utama telah dituangkan dalam notula rapat.
d. Dewan Komisaris Entitas Utama telah memberikan rekomendasi mengenai penerapan Tata Kelola Terintegrasi melalui rapat Komite Tata Kelola
Terintegrasi.
e. Komite Tata Kelola Terintegrasi telah melaksanakan kegiatan evaluasi pelaksanaan Tata Kelola Terintegrasi melalui rapat selama periode Januari – Juni
Tahun 2023.
f. Hasil rapat Komite Tata Kelola Terintegrasi telah didokumentasikan dengan baik dalam notula rapat dan selama pelaksanaan rapat pada periode
Januari – Juni Tahun 2023 tidak terdapat Dissenting Opinions.
g. Satuan Kerja Kepatuhan Terintegrasi telah menyampaikan laporan pelaksanaan tugas dan tanggung jawabnya periode Triwulan I kepada Direktur
yang membawahkan fungsi Kepatuhan Entitas Utama.
h. Satuan Kerja Audit Internal Terintegrasi telah menyampaikan laporan Audit Internal Terintegrasi periode Januari – Juni 2023 kepada Direktur yang
ditunjuk untuk melakukan pengawasan terhadap LJK dalam Konglomerasi Keuangan, Dewan Komisaris, dan Direktur Kepatuhan.
i. Satuan Kerja Audit Internal Terintegrasi telah bertindak obyektif dalam melakukan pemantauan pelaksanaan audit;
j. Rekomendasi hasil audit telah sesuai dengan permasalahan dan dapat digunakan sebagai acuan perbaikan serta telah disampaikan kepada masing-
masing manajemen Lembaga Jasa Keuangan pada Konglomerasi Keuangan dalam exit meeting.
k. Entitas Utama telah menerapkan Manajemen Risiko Terintegrasi secara efektif dengan melaksanakan kewajiban pelaporan sesuai ketentuan Otoritas
Jasa Keuangan.
l. Direksi dan Dewan Komisaris Entitas Utama telah mampu melakukan tugas dan tanggung jawabnya terkait Manajemen Risiko Terintegrasi sesuai
ketentuan Otoritas Jasa Keuangan melalui Rapat Komite Manajemen Risiko Terintegrasi (KMRT) dan Rapat Komite Tata Kelola (KTT).
m. Hasil pelaksanaan Tata Kelola Terintegrasi telah mencerminkan bahwa Entitas Utama dan LJK dalam Konglomerasi Keuangan telah menerapkan
prinsip-prinsip Tata Kelola yang baik sesuai ketentuan yang berlaku, yang tercermin dalam pelaksanaan kegiatan Focus Group Discussion, kegiatan
workshop Tata Kelola Terintegrasi dalam Konglomerasi Keuangan, review terhadap kerangka infrastruktur atas penerapan fungsi Audit Internal,
fungsi Kepatuhan, dan fungsi Manajemen Risiko di seluruh Lembaga Jasa Keuangan.
n. Terdapat 9 (sembilan) Perusahaan yang sudah membukukan laba sampai dengan bulan Juni 2023.
2. Nilai-nilai yang mencerminkan kekurangan aspek Hasil Tata Kelola Terintegrasi Konglomerasi Keuangan adalah:
a. Masih terdapat kinerja anggota Konglomerasi Keuangan yang masih belum mencapai target Rencana Bisnis Bank.
b. Dalam pelaksanaan fungsi manajemen risiko, fungsi kepatuhan dan fungsi Audit Internal di LJK dalam Konglomerasi Keuangan masih perlu dilakukan
penyesuaian agar berjalan sesuai dengan ketentuan OJK.
c. Masih terdapat tindak lanjut hasil pemeriksaan Satuan Kerja Audit Internal di LJK dalam Konglomerasi Keuangan yang belum memadai.
d. Masih terdapat 2 (dua) perusahaan yang masih membukukan rugi sampai dengan bulan Juni 2023.
C. Integrated Governance Results
1. The values that reflected the strength of the aspects of the Financial Conglomerate Integrated Governance process were:
a. The Integrated Governance Guidelines had been adjusted according to the direction of the Main Entity Board of Commissioners.
b. The Main Entity’s Board of Directors has monitored and monitored audit findings and recommendations on general audits carried out by the Integrated
Internal Audit Work Unit, External Auditors, the results of OJK supervision, supervision of other authorities including Bank Indonesia, supervision of
head offices and branches located abroad.
c. The results of the Main Entity Board of Commissioners meeting had been included in the minutes of the meeting.
d. The Main Entity Board of Commissioners provided recommendations regarding the implementation of Integrated Governance through the Integrated
Governance Committee meeting.
e. The Integrated Governance Committee has carried out evaluation activities on the implementation of Integrated Governance through meetings during
the period January – June 2023.
f. The results of the Integrated Governance Committee meetings have been well documented in the meeting minutes and during the meetings in the
January - June 2023 period there were no Dissenting Opinions.
g. The Integrated Compliance Work Unit has submitted a report on the implementation of its duties and responsibilities for the first quarter period to the
Director in charge of the Main Entity Compliance function.
h. The Integrated Internal Audit Work Unit has submitted the Integrated Internal Audit report for the period January – June 2023 to the Director
appointed to supervise LJK in the Financial Conglomerate, the Board of Commissioners, and the Compliance Director.
i. The Integrated Internal Audit Work Unit acted objectively in monitoring audit implementation;
j. The recommendations for audit results were in accordance with the problems and could be used as a reference for improvement and had been
submitted to the management of each Financial Services Institution in the Financial Conglomerate in the exit meeting.
k. The Main Entity implemented Integrated Risk Management effectively by carrying out reporting obligations in accordance with the provisions of the
Financial Services Authority.
l. The Main Entity’s Board of Directors and Board of Commissioners had been able to carry out their duties and responsibilities regarding Integrated Risk
Management in accordance with the provisions of the Financial Services Authority through Integrated Risk Management Committee Meetings (KMRT)
and Governance Committee Meetings (KTT).
m. The results of the implementation of Integrated Governance have reflected that the Main Entity and LJK in the Financial Conglomeration have
implemented the principles of good governance in accordance with applicable regulations, which is reflected in the implementation of Focus
Group Discussion activities, workshop activities on Integrated Governance in Financial Conglomerates, review of the framework infrastructure for
implementing the Internal Audit function, Compliance function and Risk Management function throughout the Financial Services Institution.
n. There are 9 (nine) companies that have accounted profits until June 2023.
2. The values that reflected the lack of aspects of the Financial Conglomerate Integrated Governance Results were:
a. There were still members of the Financial Conglomerate who had not reached the Bank’s Business Plan targets.
b. In implementing the risk management function at FSI within the Financial Conglomerate, adjustments still needed to be made so that it was in
accordance with OJK Regulation.
c. There were still insufficient follow-ups on the results of inspections by the Internal Audit Work Unit at LJK in the Financial Conglomerate.
d. There are still 2 (two) companies that are still accounting losses until June 2023.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1103
Page 595
TATA KELOLA
PERUSAHAAN
Hasil Assessment Tata Kelola Terintegrasi Periode Juli - Desember The results of the Integrated Governance Assessment for the July
2023 adalah sebagai berikut: - December 2023 period are as follows:
Hasil Penilaian Sendiri Pelaksanaan Tata Kelola Terintegrasi
Self Assessment Results Implementation of Integrated Governance
Peringkat Definisi Peringkat
Rating Rating Definition
Konglomerasi Keuangan dinilai telah melakukan penerapan Tata Kelola Terintegrasi yang secara umum baik. Hal ini
tercermin dari pemenuhan yang memadai atas penerapan prinsip Tata Kelola Terintegrasi. Apabila terdapat kelemahan
dalam penerapan Tata Kelola Terintegrasi, secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan
dengan tindakan normal oleh Entitas Utama dan/atau LJK.
2
The Financial Conglomerate was considered to have implemented Integrated Governance which was generally good.
This was reflected in adequate fulfillment of the application of the principles of Integrated Governance. If there were
weaknesses in the implementation of Integrated Governance, in general these weaknesses were not significant and could
be resolved through normal actions by the Main Entity and/or FSI.
Kesimpulan
Berdasarkan analisis terhadap indikator pada seluruh faktor penilaian pelaksanaan Tata Kelola Terintegrasi disimpulkan bahwa:
Conclusion
Based on an analysis of indicators on all factors evaluating the implementation of Integrated Governance, it could be concluded that:
A. Struktur Tata Kelola Terintegrasi
Nilai-nilai yang mencerminkan kekuatan aspek struktur Tata Kelola Terintegrasi Konglomerasi Keuangan adalah:
1. Direksi dan Dewan Komisaris Entitas Utama telah dinyatakan lulus uji kemampuan dan kepatutan (fit and proper test) yang diselenggarakan oleh Otoritas
Jasa Keuangan sehingga memenuhi persyaratan integritas, kompetensi dan reputasi keuangan yang dibutuhkan dalam kegiatan bisnis Lembaga Jasa
Keuangan yang bergerak di sektor perbankan;
2. Entitas Utama telah membentuk Komite Tata Kelola Terintegrasi yang diketuai oleh Komisaris Independen dan Anggota dari pihak Independen sebagai
struktur keanggotaan Komite Tata Kelola Terintegrasi;
3. Jumlah dan komposisi Dewan Komisaris Entitas Utama yang menjadi anggota telah sesuai dengan kebutuhan Konglomerasi Keuangan serta efisiensi dan
efektivitas pelaksanaan tugas Komite telah memenuhi keterwakilan masing-masing sektor jasa keuangan;
4. Satuan Kerja Kepatuhan Terintegrasi Entitas Utama bertindak secara independen terhadap satuan kerja operasional yang ada, dan terdiri dari sumber
daya manusia yang memadai sebagai anggota Satuan Kerja Kepatuhan Terintegrasi;
5. Satuan Kerja Audit Internal Terintegrasi bertindak secara independen terhadap Satuan Kerja Operasional sebagai Entitas Utama pada Konglomerasi
Keuangan yang telah dinyatakan dalam Piagam Audit Internal dan Pedoman Struktur Organisasi;
6. Direksi Entitas Utama telah memenuhi kebutuhan sumber daya manusia yang berkualitas sebagai anggota untuk melaksanakan fungsi Satuan Kerja
Audit Internal dengan kompetensi yang memadai baik secara individual maupun kolektif;
7. Sebagai wujud penerapan Manajemen Risiko yang baik, Entitas Utama telah memiliki struktur organisasi yang memadai bagi Konglomerasi Keuangan;
8. Entitas Utama telah memiliki Kebijakan Manajemen Risiko Terintegrasi yang tertuang dalam Kebijakan Manajemen Risiko mencakup pengelolaan
Manajemen Risiko sesuai dengan yang telah ditetapkan oleh regulator;
9. Kebijakan Tata Kelola Terintegrasi yang tertuang dalam Kebijakan Tata Kelola Bank terdiri dari kerangka Tata kelola Terintegrasi bagi Entitas Utama dan
Lembaga Jasa Keuangan;
10.Kerangka Tata Kelola Terintegrasi bagi Entitas Utama dan Lembaga Jasa Keuangan telah sesuai dengan ketentuan regulator.
A. Integrated Governance Structure
The values that reflected the strength of the structural aspects of the Financial Conglomerate Integrated Governance were:
1. The Main Entity’s Board of Directors and Board of Commissioners had been declared to have passed the fit and proper test conducted by the Financial
Services Authority so that they met the integrity, competency and financial reputation requirements required for the business activities of Financial
Services Institutions operating in the banking sector;
2. The Main Entity formed an Integrated Governance Committee chaired by an Independent Commissioner and Members of Independent parties as the
membership structure of the Integrated Governance Committee;
3. The number and composition of Independent Commissioners who were members were in accordance with the needs of the Financial Conglomerate and
the efficiency and effectiveness of the implementation of the Committee’s duties fulfilled the representation of each financial services sector;
4. Main Entity Integrated Compliance Work Unit acted independently of existing operational work units, and consisted of qualified human resources as
members of the Integrated Compliance Work Unit;
5. The Integrated Internal Audit Work Unit was independent of the Operational Work Unit as the Main Entity in the Financial Conglomeration with the
Internal Audit Charter and Organizational Structure Guidelines;
6. The Board of Directors of the Main Entity had met the needs of qualified human resources as members to carry out the functions of the Internal Audit
Work Unit with adequate competence both individually and collectively;
7. As a form of implementing good Risk Management, the Main Entity had an adequate organizational structure for the Financial Conglomeration;
8. The Main Entity already had an Integrated Risk Management Policy contained in the Risk Management Policy which included the management of Risk
Management in accordance with what had been determined by the regulator;
9. The Integrated Governance Policy contained in the Bank’s Governance Policy consisted of an Integrated Governance framework for Main Entities and
Financial Services Institutions;
10.The Integrated Governance Framework for Main Entities and Financial Services Institutions complied with regulatory requirements.
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Hasil Penilaian Sendiri Pelaksanaan Tata Kelola Terintegrasi
Self Assessment Results Implementation of Integrated Governance
B. Proses Tata Kelola Terintegrasi
1. Nilai-nilai yang mencerminkan kekuatan aspek proses Tata Kelola Terintegrasi Konglomerasi Keuangan adalah:
a. Direksi Entitas Utama telah menyampaikan Pedoman Tata Kelola Terintegrasi kepada Direksi Lembaga Jasa Keuangan dalam Konglomerasi Keuangan
dalam bentuk Piagam Korporasi Konglomerasi Keuangan yang telah ditandatangani oleh bank bjb selaku Entitas Utama dan 11 (sebelas) Lembaga
Jasa Keuangan dalam Konglomerasi Keuangan;
b. Direksi Entitas Utama melalui Organ Pendukung telah memberikan arahan, memantau, dan mengevaluasi pelaksanaan Pedoman Tata Kelola
Terintegrasi melalui kegiatan Focus Group Discussion dan kegiatan Workshop Tata Kelola Terintegrasi dalam Konglomerasi Keuangan kepada seluruh
LJK anggota Konglomerasi Keuangan;
c. Direksi Entitas Utama telah menindaklanjuti seluruh arahan atau nasihat Dewan Komisaris dalam rangka penyempurnaan Pedoman Tata Kelola
Terintegrasi;
d. Direksi Entitas Utama telah menindaklanjuti hasil pemeriksaan Satuan Kerja Audit Internal Terintegrasi dan hasil review Satuan Kerja Kepatuhan
Terintegrasi serta telah dilakukan monitoring oleh Divisi Manajemen Anak Perusahaan;
e. Dewan Komisaris telah menyelenggarakan rapat gabungan Dewan Komisaris dengan Direksi selama semester II sebanyak 14 kali, dan rapat internal
semester II sebanyak 8 kali;
f. Dewan Komisaris Entitas Utama telah melakukan pengawasan melalui Komite Tata Kelola Terintegrasi atas pelaksanaan tugas dan tanggung jawab
Direksi Entitas Utama melalui rapat Komite Tata Kelola Terintegrasi secara berkala;
g. Komite Tata Kelola Terintegrasi telah melakukan evaluasi terhadap pelaksanaan Tata Kelola Terintegrasi baik penilaian kecukupan pengendalian
internal dan pelaksanaan fungsi Kepatuhan Terintegrasi melalui pelaksanaan rapat Komite Tata Kelola Terintegrasi;
h. Komite Tata Kelola Terintegrasi telah menyelenggarakan rapat Komite Tata Kelola Terintegrasi selama periode Periode Juli s.d Desember tahun 2023
sebanyak 2 kali;
i. Satuan Kerja Kepatuhan Terintegrasi telah melakukan monitoring dan evaluasi penerapan fungsi Kepatuhan pada Lembaga Jasa Keuangan dalam
Konglomerasi Keuangan melalui kegiatan Focus Group Discussion dan Workshop Tata Kelola Terintegrasi dalam Konglomerasi Keuangan;
j. Satuan Kerja Audit Internal telah melakukan monitoring dan peningkatan kualitas fungsi audit internal, serta pemeriksaan secara menyeluruh pada
Lembaga Jasa Keuangan dalam Konglomerasi Keuangan selama periode Semester II tahun 2023;
k. Entitas Utama telah menerapkan Manajemen Risiko Terintegrasi sesuai dengan ketentuan Otoritas Jasa Keuangan pada Lembaga Jasa Keuangan
dalam Konglomerasi Keuangan melalui kegiatan Focus Group Discussion, Komite Manajemen Risiko Terintegrasi, pelaporan risiko terintegrasi dalam
Konglomerasi Keuangan selama periode Semester II Tahun 2023;
l. Pelaksanaan proses Tata Kelola Terintegrasi oleh Entitas Utama dan Lembaga Jasa Keuangan dalam Konglomerasi Keuangan telah berpedoman
kepada Kebijakan Tata Kelola Terintegrasi.
2. Nilai-nilai yang mencerminkan kelemahan aspek proses Tata Kelola Terintegrasi Konglomerasi Keuangan adalah masih terdapat entitas Lembaga Jasa
Keuangan yang belum sepenuhnya menindaklanjuti hasil review sebagai bentuk pengembangan atas penerapan fungsi Manajemen Risiko, fungsi
kepatuhan dan fungsi audit internal dari Entitas Utama serta masih terdapat kekosongan pengurus pada Lembaga Jasa Keuangan.
B. Integrated Governance Process
1. The values that reflected the strength of the aspects of the Financial Conglomerate Integrated Governance process were:
a. The Directors of the Main Entity have submitted Integrated Governance Guidelines to the Directors of Financial Services Institutions in the Financial
Conglomeration in the form of a Financial Conglomeration Corporate Charter which has been signed by bank bjb as the Main Entity and 11 (eleven)
Financial Services Institutions in the Financial Conglomeration;
b. Main Entity Directors through Supporting Organs provided direction, monitored, and evaluated the implementation of Integrated Governance
Guidelines through Focus Group Discussion activities and Integrated Governance Workshops in Financial Conglomerates to all LJK members of
Financial Conglomerates;
c. Main Entity Directors followed up on all directions or advice from the Board of Commissioners in order to improve the Integrated Governance
Guidelines;
d. The Board of Directors of the Main Entity followed up on the inspection results of the Integrated Internal Audit Work Unit and the results of the review
of the Integrated Compliance Work Unit and monitoring had been carried out by the Subsidiary Management Division;
e. The Board of Commissioners held 14 joint meetings between the Board of Commissioners and the Board of Directors during the second semester,
and 8 internal meetings in the second semester;
f. The Main Entity Board of Commissioners conducted supervision through the integrated Governance Committee on the implementation of the duties
and responsibilities of the Main Entity Directors through regular Integrated Governance Committee meetings;
g. The Integrated Governance Committee evaluated the implementation of Integrated Governance both assessing the adequacy of internal controls and
implementing the Integrated Compliance function through the implementation of the Integrated Governance Committee meetings;
h. The Integrated Governance Committee has held 2 Integrated Governance Committee meetings during the July to December 2023 period;
i. The Integrated Compliance Work Unit monitored and evaluated the implementation of the Compliance function in Financial Services Institutions in
the Financial Conglomerate through Focus Group Discussions and Integrated Governance Workshops in the Financial Conglomeration;
j. The Internal Audit Work Unit has carried out monitoring and improving the quality of the internal audit function, as well as comprehensive inspections
of Financial Services Institutions in Financial Conglomerates during Semester II 2023;
k. The Main Entity has implemented Integrated Risk Management in accordance with the provisions of the Financial Services Authority for Financial
Services Institutions in Financial Conglomerates through Focus Group Discussion activities, integrated risk management committees, integrated risk
reporting in Financial Conglomerates during the period of Semester II 2023;
l. The implementation of the Integrated Governance process by Main Entities and Financial Services Institutions in the Financial Conglomerate was
guided by the Integrated Governance Policy.
2. Values that reflect weaknesses in the Integrated Governance process aspects of the Financial Conglomerate are the existence of entities not fully
conducting the follow up toward the results of the review as a form of improvement of the implementation of the Risk Management function,
compliance function, and internal audit function of the Main Entity and the vacancy of administrators at Financial Services Institutions.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1105
Page 597
TATA KELOLA
PERUSAHAAN
Hasil Penilaian Sendiri Pelaksanaan Tata Kelola Terintegrasi
Self Assessment Results Implementation of Integrated Governance
C. Hasil Tata Kelola Terintegrasi
1. Nilai-nilai yang mencerminkan kekuatan aspek proses Tata Kelola Terintegrasi Konglomerasi Keuangan adalah:
a. Pedoman Tata Kelola Terintegrasi telah dilakukan penyesuaian sesuai dengan arahan Dewan Komisaris Entitas Utama;
b. Direksi Entitas Utama telah memantau dan monitoring temuan audit serta rekomendasi atas pemeriksaan umum yang dilakukan oleh Satuan Kerja
Audit Internal Terintegrasi, Auditor Eksternal, hasil pengawasan OJK, hasil pengawasan Bank Indonesia dan pengawasan otoritas lainnya;
c. Hasil rapat Dewan Komisaris Entitas Utama telah dituangkan dalam notula rapat;
d. Dewan Komisaris Entitas Utama telah memberikan rekomendasi mengenai penerapan Tata Kelola Terintegrasi melalui rapat Komite Tata Kelola
Terintegrasi;
e. Komite Tata Kelola Terintegrasi telah melaksanakan kegiatan evaluasi pelaksanaan Tata Kelola Terintegrasi melalui rapat selama periode Juli –
Desember Tahun 2023;
f. Hasil rapat Komite Tata Kelola Terintegrasi telah didokumentasikan dengan baik dalam notula rapat dan selama pelaksanaan rapat pada periode Juli
– Desember Tahun 2023 tidak terdapat Dissenting Opinions;
g. Satuan Kerja Kepatuhan Terintegrasi telah menyampaikan laporan pelaksanaan tugas dan tanggung jawabnya periode Triwulan III & IV tahun 2023
kepada Direktur yang membawahkan fungsi Kepatuhan Entitas Utama;
h. Satuan Kerja Audit Internal Terintegrasi telah menyampaikan laporan Audit Internal Terintegrasi periode Juli – Desember 2023 kepada Direktur yang
ditunjuk untuk melakukan pengawasan terhadap LJK dalam Konglomerasi Keuangan, Direktur Utama, Dewan Komisaris, dan Direktur Kepatuhan;
i. Satuan Kerja Audit Internal Terintegrasi telah bertindak obyektif dalam melakukan pemantauan pelaksanaan audit;
j. Rekomendasi hasil audit telah sesuai dengan permasalahan dan dapat digunakan sebagai acuan perbaikan serta telah disampaikan kepada masing-
masing manajemen Lembaga Jasa Keuangan pada Konglomerasi Keuangan dalam exit meeting;
k. Entitas Utama telah menerapkan Manajemen Risiko Terintegrasi secara efektif dengan melaksanakan kewajiban pelaporan sesuai ketentuan Otoritas
Jasa Keuangan;
l. Direksi dan Dewan Komisaris Entitas Utama telah melakukan tugas dan tanggung jawabnya terkait Manajemen Risiko Terintegrasi sesuai ketentuan
Otoritas Jasa Keuangan melalui Rapat Komite Manajemen Risiko Terintegrasi (KMRT) dan Rapat Komite Tata Kelola (KTT);
m. Hasil pelaksanaan Tata Kelola Terintegrasi telah mencerminkan bahwa Entitas Utama dan LJK dalam Konglomerasi Keuangan telah menerapkan
prinsip-prinsip Tata Kelola yang baik sesuai ketentuan yang berlaku, yang tercermin dalam pelaksanaan kegiatan Focus Group Discussion, kegiatan
Workshop Tata Kelola Terintegrasi dalam Konglomerasi Keuangan, review terhadap kerangka infrastruktur atas penerapan fungsi Audit Internal,
fungsi Kepatuhan, dan fungsi Manajemen Risiko di seluruh Lembaga Jasa Keuangan.
2. Nilai-nilai yang mencerminkan kekurangan aspek Hasil Tata Kelola Terintegrasi Konglomerasi Keuangan adalah:
a. Masih terdapat kinerja anggota Konglomerasi Keuangan yang masih belum mencapai target Rencana Bisnis Bank.
b. Dalam pelaksanaan fungsi manajemen risiko, fungsi kepatuhan dan fungsi Audit Internal di LJK dalam Konglomerasi Keuangan masih belum
sepenuhnya berjalan sesuai dengan ketentuan OJK namun bank bjb sebagai Entitas Utama telah melakukan upaya perbaikan antara lain melalui
Focus Group Discussion (FGD), Workshop, pelatihan dan asistensi.
C. Integrated Governance Results
1. The values that reflected the strength of the aspects of the Financial Conglomerate Integrated Governance process were:
a. The Integrated Governance Guidelines had been adjusted according to the direction of the Main Entity Board of Commissioners;
b. The Main Entity’s Board of Directors has monitored and supervised audit findings and recommendations on general audits carried out by the Integrated
Internal Audit Work Unit, External Auditors, OJK supervision results, Bank Indonesia supervision results and supervision by other authorities;
c. The results of the Main Entity Board of Commissioners meeting had been included in the minutes of the meeting;
d. The Main Entity Board of Commissioners provided recommendations regarding the implementation of Integrated Governance through the Integrated
Governance Committee meeting;
e. The Integrated Governance Committee has carried out evaluation activities on the implementation of Integrated Governance through meetings during
the period July – December 2023;
f. he results of the Integrated Governance Committee meetings have been well documented in the meeting minutes and during the meetings in the
period July – December 2023 there were no Dissenting Opinions;
g. The Integrated Compliance Work Unit has submitted a report on the implementation of its duties and responsibilities for the third & fourth quarter of
2023 to the Director in charge of the Main Entity Compliance function;
h. The Integrated Internal Audit Work Unit has submitted the Integrated Internal Audit report for the period July – December 2023 to the Director
appointed to supervise LJK in the Financial Conglomerate, the President Director, the Board of Commissioners and the Compliance Director;
i. The Integrated Internal Audit Work Unit acted objectively in monitoring audit implementation;
j. The recommendations for audit results were in accordance with the problems and could be used as a reference for improvement and have been
submitted to the management of each Financial Services Institution in the Financial Conglomerate in the exit meeting;
k. The Main Entity implemented Integrated Risk Management effectively by carrying out reporting obligations in accordance with the provisions of the
Financial Services Authority;
l. The Main Entity’s Board of Directors and Board of Commissioners had been able to carry out their duties and responsibilities regarding Integrated Risk
Management in accordance with the provisions of the Financial Services Authority through Integrated Risk Management Committee Meetings (KMRT)
and Governance Committee Meetings (KTT);
m. The results of the implementation of Integrated Governance reflected that the Main Entities and LJK in the Financial Conglomerate had implemented
the principles of Good Governance in accordance with applicable regulations, reflected in the implementation of Focus Group Discussion activities,
Integrated Governance Workshop activities in the Financial Conglomeration, review of the framework infrastructure for the implementation of the
Internal Audit function, Compliance function, and Risk Management function in all Financial Services Institutions.
2. The values that reflected the lack of aspects of the Financial Conglomerate Integrated Governance Results were:
a. There are still members of the Financial Conglomerate who had not reached the Bank’s Business Plan targets.
b. The implementation of the risk management function, compliance function and Internal Audit function at LJK in the Financial Conglomeration is still
not fully conducted in accordance with OJK provisions, yet bank bjb as the Main Entity has made improvements, including through Focus Group
Discussions (FGD), workshops, training and assistance.
Tahunan 2023
1106 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 598
CORPORATE
GOVERNANCE
Penerapan Pedoman Tata Kelola
Perusahaan Terbuka
Application of Corporate Governance Public Company Guidelines
Sesuai dengan Surat Edaran Otoritas Jasa Keuangan No. 32/ Following the OJK Circular Letter No. 32/ SEOJK.04/2015
SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan concerning Guidelines for the Governance of Public Companies,
Terbuka, Pedoman Tata Kelola mencakup 5 (lima) aspek, 8 the Governance Guidelines cover 5 (five) aspects, 8 (eight)
(delapan) prinsip dan 25 (dua puluh lima) rekomendasi penerapan principles, and 25 (twenty-five) recommendations for the
aspek dan prinsip tata kelola perusahaan yang baik. Rekomendasi implementation of aspects and principles of good corporate
penerapan aspek dan prinsip tata kelola perusahaan yang baik governance. Recommendations for applying aspects and
dalam Pedoman Tata Kelola adalah standar penerapan aspek dan principles of good corporate governance in the Governance
prinsip tata kelola perusahaan yang baik yang harus diterapkan Guidelines are standards for implementing aspects and principles
Perseroan untuk mengimplementasikan prinsip tata kelola. of good corporate governance that the Company must apply to
Adapun uraian penerapannya, dapat disampaikan, sebagai implement the principles of governance. As for the description of
berikut. its application, it can be submitted as follows.
Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
ASPEK 1: HUBUNGAN PERUSAHAAN TERBUKA DENGAN PEMEGANG SAHAM DALAM MENJAMIN HAK-HAK PEMEGANG SAHAM.
A.
ASPECT 1: PUBLIC COMPANY RELATIONS WITH SHAREHOLDERS IN GUARANTEEING SHAREHOLDER RIGHTS.
Prinsip 1: Meningkatkan Nilai Penyelenggaraan Rapat Umum Pemegang Saham (RUPS).
A.1.
Principle 1: Increasing the Value of Organizing a General Meeting of Shareholders (GMS).
A.1.1. Rekomendasi 1: Comply
Perusahaan Terbuka memiliki cara atau prosedur teknis pengumpulan suara Bank telah memiliki tata cara pengumpulan
(voting) baik secara terbuka maupun tertutup yang mengedepankan independensi, suara (voting) baik secara terbuka maupun
dan kepentingan pemegang saham. tertutup dalam Rapat Umum Pemegang
Saham yang diatur pada Anggaran Dasar
Penjelasan: Perseroan.
Setiap saham dengan hak suara yang dikeluarkan mempunyai satu hak suara
(one share one vote). Pemegang saham dapat menggunakan hak suaranya pada
saat pengambilan keputusan, terutama dalam pengambilan keputusan dengan
cara pengumpulan suara (voting). Namun demikian, mekanisme pengambilan
keputusan dengan cara pengumpulan suara (voting) baik secara terbuka maupun
tertutup belum diatur secara rinci.
Perusahaan Terbuka direkomendasikan mempunyai prosedur pengambilan
suara dalam pengambilan keputusan atas suatu mata acara RUPS. Adapun
prosedur pengambilan suara (voting) tersebut harus menjaga independensi
ataupun kebebasan pemegang saham. Sebagai contoh, dalam pengumpulan
suara (voting) secara terbuka dilakukan dengan cara mengangkat tangan sesuai
dengan instruksi pilihan yang ditawarkan oleh pimpinan RUPS. Sedangkan, dalam
pengumpulan suara (voting) secara tertutup dilakukan pada keputusan yang
membutuhkan kerahasiaan ataupun atas permintaan pemegang saham, dengan
cara menggunakan kartu suara ataupun dengan penggunaan electronic voting.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1107
Page 599
TATA KELOLA
PERUSAHAAN
Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
Recommendation 1: Comply
A Public Company had a technical method or procedure for voting, both openly The Bank has voting procedures both
and privately, that prioritized independence and the interests of shareholders. openly and closedly at the General Meeting
of Shareholders which is set out in the
Explanation: Company’s Articles of Association.
Each share with voting rights issued had one vote (one share one vote). Shareholders
could exercise their voting rights when making decisions, especially in making
decisions by voting. However, the decision-making mechanism by means of voting,
both openly and privately, had not been regulated in detail.
Public companies were recommended to have voting procedures in making decisions
on a GMS agenda. The voting procedure had to maintain the independence or
freedom of shareholders. For example, in open voting, it was done by raising hands
in accordance with the choice instructions offered by the chairman of the GMS.
Meanwhile, closed voting was carried out on decisions that require confidentiality
or at the request of shareholders, by using a voting card or by using electronic
voting.
A.1.2. Rekomendasi 2: Comply
Seluruh anggota Direksi dan anggota Dewan Komisaris Perusahaan Terbuka hadir Seluruh anggota Direksi dan anggota Dewan
dalam RUPS Tahunan. Komisaris hadir pada penyelenggaran RUPS
Tahun Buku 2022 yang diselenggarakan
Penjelasan: pada bulan April 2023.
Kehadiran seluruh anggota Direksi dan anggota Dewan Komisaris Perusahaan
Terbuka bertujuan agar setiap anggota Direksi dan anggota Dewan Komisaris
dapat memperhatikan, menjelaskan, dan menjawab secara langsung permasalahan
yang terjadi atau pertanyaan yang diajukan oleh pemegang saham terkait mata
acara dalam RUPS.
Recommendation 2: Comply
All members of the Directors and members of the Board of Commissioners of a All members of the Board of Directors and
Public Company attended the Annual GMS. members of the Board of Commissioners
were present at the 2022 Financial Year
Explanation: GMS held in April 2023.
The presence of all members of the Directors and members of the Board of
Commissioners of a Public Company was intended so that each member of the
Directors and member of the Board of Commissioners could pay attention, explain,
and answer directly the problems that occured or questions raised by shareholders
related to the agenda at the GMS.
A.1.3. Rekomendasi 3: Comply
Ringkasan risalah RUPS tersedia dalam Situs Web Perusahaan Terbuka paling sedikit Perseroan telah menyediakan ringkasan
selama 1 (satu) tahun. risalah RUPS tersedia dalam Situs Web
Perseroan.
Penjelasan:
Berdasarkan ketentuan dalam Pasal 34 ayat (2) Peraturan Otoritas Jasa Keuangan
Nomor 32/POJK.04/2014 tentang Rencana dan Penyelenggaraan Rapat Umum
Pemegang Saham Perusahaan Terbuka, Perusahaan Terbuka wajib membuat
ringkasan risalah RUPS dalam bahasa Indonesia dan bahasa asing (minimal dalam
bahasa Inggris), serta diumumkan 2 (dua) hari kerja setelah RUPS diselenggarakan
kepada masyarakat, yang salah satunya melalui Situs Web Perusahaan Terbuka.
Ketersediaan ringkasan risalah RUPS pada Situs Web Perusahaan Terbuka
memberikan kesempatan bagi pemegang saham yang tidak hadir untuk
mendapatkan informasi penting dalam penyelenggaraan RUPS secara mudah dan
cepat. Oleh karena itu, ketentuan tentang jangka waktu minimal ketersediaan
ringkasan risalah RUPS di Situs Web dimaksudkan untuk menyediakan kecukupan
waktu bagi pemegang saham untuk memperoleh informasi tersebut.
Tahunan 2023
1108 Laporan
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Page 600
CORPORATE
GOVERNANCE
Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
Recommendation 3: Comply
The summary of the minutes of the GMS was available on the Public Company The Company has provided a summary of
Website for at least 1 (one) year. the minutes of the GMS available on the
Company’s Website.
Explanation:
Based on the provisions in Article 34 paragraph (2) of the Financial Services Authority
Regulation Number 32/POJK.04/2014 concerning the Plan and Organizing of the
General Meeting of Shareholders of a Public Company, a Public Company was
required to make a summary of the minutes of the GMS in Indonesian and foreign
languages (at least in English). ), and announced 2 (two) working days after the
GMS was held to the public, one of which was through the Public Company
Website. The availability of a summary of the minutes of the GMS on the Public
Company Website provided an opportunity for shareholders who were not present
to obtain important information in holding the GMS easily and quickly. Therefore,
the provision regarding the minimum period for the availability of the summary of
the minutes of the GMS on the Website was intended to provide sufficient time for
shareholders to obtain such information.
A.2. Prinsip 2: Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor.
Principle 2: Improving the Quality of Public Company Communication with Shareholders or Investors.
A.2.1. Rekomendasi 4: Comply
Perusahaan Terbuka memiliki suatu kebijakan komunikasi dengan pemegang Perseroan telah memiliki kebijakan mengenai
saham atau investor. komunikasi dengan pemegang saham
atau investor, yang dalam hal ini dilakukan
Penjelasan: melalui Analyst Meeting, Public Expose, serta
Adanya komunikasi antara Perusahaan Terbuka dengan pemegang saham atau melakukan pertemuan dengan investor atau
investor dimaksudkan agar para pemegang saham atau investor mendapatkan calon investor.
pemahaman lebih jelas atas informasi yang telah dipublikasikan kepada
masyarakat, seperti laporan berkala, keterbukaan informasi, kondisi atau prospek
bisnis dan kinerja, serta pelaksanaan tata kelola Perusahaan Terbuka. Disamping
itu, pemegang saham atau investor juga dapat menyampaikan masukan dan opini
kepada manajemen Perusahaan Terbuka.
Kebijakan komunikasi dengan para pemegang saham atau investor menunjukan
komitmen Perusahaan Terbuka dalam melaksanakan komunikasi dengan para
pemegang saham atau investor. Dalam kebijakan tersebut dapat mencakup strategi,
program, dan waktu pelaksanaan komunikasi, serta panduan yang mendukung
pemegang saham atau investor untuk berpartisipasi dalam komunikasi tersebut.
Recommendation 4: Comply
The Public Company had a communication policy with shareholders or investors. The Company has a policy regarding
communication with shareholders or
Explanation: investors, which is carried out through
The existence of communication between the Public Company and the shareholders Analyst Meetings, Public Exposes and
or investors was intended so that the shareholders or investors got a clearer holding meetings with investors or potential
understanding of the information that had been published to the public, such investors.
as periodic reports, information disclosure, business conditions or prospects and
performance, as well as the implementation of the Public Company’s governance.
In addition, shareholders or investors could also submit inputs and opinions to the
management of the Public Company.
The communication policy with shareholders or investors showed the commitment
of the Public Company in carrying out communication with shareholders or investors.
The policy might include strategies, programs, and timing of communications, as
well as guidelines that supported shareholders or investors to participate in these
communications.
A.2.2. Rekomendasi 5: Comply
Perusahaan Terbuka mengungkapkan kebijakan komunikasi Perusahaan Terbuka Perseroan telah memiliki kebijakan
dengan pemegang saham atau investor dalam Situs Web. komunikasi dalam rangka transparansi dan
memberikan kesetaraan kepada Pemegang
Penjelasan: Saham atau Investor yang dapat diakses
Pengungkapan kebijakan komunikasi merupakan bentuk transparansi atas pada situs resmi perseroan wwww.bankbjb.
komitmen Perusahaan Terbuka dalam memberikan kesetaraan kepada semua co.id
pemegang saham atau investor atas pelaksanaan komunikasi. Pengungkapan
informasi tersebut juga bertujuan untuk meningkatkan partisipasi dan peran
pemegang saham atau investor dalam pelaksanaan program komunikasi
Perusahaan Terbuka.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1109
Page 601
TATA KELOLA
PERUSAHAAN
Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
Recommendation 5: Comply
The Public Company disclosed the Public Company’s communication policies with The Company has a communication policy
shareholders or investors on the Website. in the context of transparency and providing
equality to Shareholders or Investors which
Explanation: can be accessed on the company’s official
Disclosure of communication policies was a form of transparency on the website www.bankbjb.co.id
commitment of the Public Company in providing equality to all shareholders or
investors in the implementation of communications. Disclosure of information also
aimed to increase the participation and role of shareholders or investors in the
implementation of the Public Company communication program.
B. ASPEK 2: FUNGSI DAN PERAN DEWAN KOMISARIS
ASPECT 2: FUNCTION AND ROLE OF THE BOARD OF COMMISSIONERS
B.1. Prinsip 3: Memperkuat Keanggotaan dan Komposisi Dewan Komisaris.
Principle 3: Strengthening the Membership and Composition of the Board of Commissioners.
B.1.1. Rekomendasi 6: Comply
Penentuan jumlah anggota Dewan Komisaris mempertimbangkan kondisi Penentuan jumlah Dewan Komisaris serta
Perusahaan Terbuka. pemilihan anggota Dewan Komisaris telah
mempertimbangkan kondisi Perseroan.
Penjelasan:
Jumlah anggota Dewan Komisaris dapat mempengaruhi efektivitas pelaksanaan
tugas dari Dewan Komisaris. Penentuan jumlah anggota Dewan Komisaris
Perusahaan Terbuka wajib mengacu kepada ketentuan peraturan perundang-
undangan yang berlaku, yang paling kurang terdiri dari 2 orang berdasarkan
ketentuan Peraturan Otoritas Jasa Keuangan Nomor 33/POJK.04/2014 tentang
Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik. Selain itu, perlu juga
mempertimbangkan kondisi Perusahaan Terbuka yang antara lain yang meliputi
karakteristik, kapasitas, dan ukuran, serta pencapaian tujuan dan pemenuhan
kebutuhan bisnis yang berbeda diantara Perusahaan Terbuka. Namun demikian,
jumlah anggota Dewan Komisaris yang terlalu besar berpotensi dapat mengganggu
efektivitas pelaksanaan fungsi Dewan Komisaris.
Recommendation 6: Comply
The determination of the number of members of the Board of Commissioners The determination of number of the Board
considered the conditions of the Public Company. of Commissioners and the selection of
members of the Board of Commissioners
Explanation: has taken into account the condition of the
The number of members of the Board of Commissioners could affect the Company.
effectiveness of the implementation of the duties of the Board of Commissioners.
Determination of the number of members of the Board of Commissioners
of a Public Company had to refer to the provisions of the applicable laws and
regulations, which consists of at least 2 people based on the provisions of the
Financial Services Authority Regulation Number 33/ POJK.04/2014 concerning the
Directors and Board of Commissioners of Issuers or Public Companies. In addition,
it was also necessary to consider the condition of the Public Company which
includes the characteristics, capacity, and size, as well as the achievement of goals
and fulfillment of different business needs among Public Companies. However, the
number of members of the Board of Commissioners that was too large has the
potential to interfere with the effectiveness of the implementation of the functions
of the Board of Commissioners.
B.1.2. Rekomendasi 7: Comply
Penentuan komposisi anggota Dewan Komisaris memperhatikan keberagaman Komposisi anggota Dewan Komisaris telah
keahlian, pengetahuan, dan pengalaman yang dibutuhkan. memperhatikan keberagaman keahlian,
pengetahuan dan pengalaman yang
Penjelasan: dibutuhkan oleh Perseroan.
Komposisi Dewan Komisaris merupakan kombinasi karakteristik baik dari segi
organ Dewan Komisaris maupun anggota Dewan Komisaris secara individu, sesuai
dengan kebutuhan Perusahaan Terbuka. Karakteristik tersebut dapat tercermin
dalam penentuan keahlian, pengetahuan, dan pengalaman yang dibutuhkan dalam
pelaksanaan tugas pengawasan dan pemberian nasihat oleh Dewan Komisaris
Perusahaan Terbuka. Komposisi yang telah memperhatikan kebutuhan Perusahaan
Terbuka merupakan suatu hal yang positif, khususnya terkait pengambilan
keputusan dalam rangka pelaksanaan fungsi pengawasan yang dilakukan dengan
mempertimbangkan berbagai aspek yang lebih luas.
Tahunan 2023
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Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
Recommendation 7: Comply
The determination of the composition of the members of the Board of The composition of members of the Board
Commissioners considered the diversity of expertise, knowledge, and experience of Commissioners has taken into account
required. the diversity of expertise, knowledge, and
experience required by the Company.
Explanation:
The composition of the Board of Commissioners was a combination of
characteristics, both in terms of the organs of the Board of Commissioners and
individual members of the Board of Commissioners, in accordance with the needs
of the Public Company. These characteristics could be reflected in the determination
of the expertise, knowledge, and experience required in carrying out the supervisory
duties and providing advice by the Board of Commissioners of a Public Company.
The composition that has considered the needs of the Public Company was a
positive thing, especially regarding decision making in the context of implementing
the supervisory function carried out by considering various broader aspects.
B.2. Prinsip 4: Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris.
Principle 4: Improving the Quality of Implementation of the Duties and Responsibilities of the Board of Commissioners.
B.2.1. Rekomendasi 8: Comply
Dewan Komisaris mempunyai kebijakan penilaian sendiri (self assessment) untuk Dewan Komisaris telah mempunyai
menilai kinerja Dewan Komisaris. kebijakan penilaian sendiri (self assessment)
untuk menilai kinerja Dewan Komisaris
Penjelasan: melalui Komite Nominasi dan Remunerasi
Kebijakan penilaian sendiri (self assessment) Dewan Komisaris merupakan suatu yang telah disahkan melalui Surat Keputusan
pedoman yang digunakan sebagai bentuk akuntabilitas atas penilaian kinerja Dewan Komisaris Nomor 03/SK/DKO/2022
Dewan Komisaris secara kolegial. Self assessment atau penilaian sendiri dimaksud tanggal 4 Januari 2022 tentang Pedoman
dilakukan oleh masing-masing anggota untuk menilai pelaksanaan kinerja Dewan dan Tata Tertib Kerja Komite Nominasi dan
Komisaris secara kolegial, dan bukan menilai kinerja individual masing-masing Remunerasi PT Bank Pembangunan Daerah
anggota Dewan Komisaris. Dengan adanya self assessment ini diharapkan masing- Jawa Barat dan Banten Tbk.
masing anggota Dewan Komisaris dapat berkontribusi untuk memperbaiki kinerja
Dewan Komisaris secara berkesinambungan.
Dalam kebijakan tesebut dapat mencakup kegiatan penilaian yang dilakukan
beserta maksud dan tujuannya, waktu pelaksanaannya secara berkala, dan tolok
ukur atau kriteria penilaian yang digunakan sesuai dengan dengan rekomendasi
yang diberikan oleh fungsi nominasi dan remunerasi Perusahaan Terbuka, dimana
adanya fungsi tersebut telah diwajibkan dalam Peraturan Otoritas Jasa Keuangan
Nomor 34/POJK.04/2014 tentang Komite Nominasi dan Remunerasi Emiten atau
Perusahaan Publik.
Recommendation 8: Comply
The Board of Commissioners had a self-assessment policy to assess the performance The Board of Commissioners has a self-
of the Board of Commissioners. assessment policy to assess the performance
of the Board of Commissioners through the
Explanation: Nomination and Remuneration Committee,
The Board of Commissioners’ self-assessment policy was a guideline used as a which has been ratified by the Decree
form of accountability for collegially assessing the performance of the Board of of the Board of Commissioners Number
Commissioners. The self-assessment was meant to be carried out by each member SK/DKO/2022 dated January 4, 2022
to assess the performance of the Board of Commissioners in a collegial manner, concerning Guidelines and Work Rules of the
and not to assess the individual performance of each member of the Board of Nomination and Remuneration Committee
Commissioners. With this self-assessment, it was hoped that each member of the of PT Bank Pembangunan Daerah Jawa Barat
Board of Commissioners could contribute to improving the performance of the dan Banten Tbk.
Board of Commissioners on an ongoing basis.
The policy might include assessment activities carried out along with their aims
and objectives, periodic implementation times, and benchmarks or assessment
criteria used in accordance with the recommendations given by the nomination
and remuneration function of a Public Company, where the existence of this
function had been required in the Authority Regulation. Financial Services Number
34/POJK.04/2014 concerning the Nomination and Remuneration Committee for
Issuers or Public Companies.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1111
Page 603
TATA KELOLA
PERUSAHAAN
Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
B.2.2. Rekomendasi 9: Comply
Kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Dewan Komisaris, Hasil penilaian sendiri (self assessment)
diungkapkan melalui Laporan Tahunan Perusahaan Terbuka. Dewan Komisaris telah diungkapkan
Perseroan melalui Laporan Tahunan
Penjelasan: Perusahaan Terbuka.
Pengungkapan kebijakan self assessment atas kinerja Dewan Komisaris
dilakukan tidak hanya untuk memenuhi aspek transparansi sebagai bentuk
pertanggungjawaban atas pelaksanaan tugasnya, namun juga untuk memberikan
keyakinan khususnya kepada para pemegang saham atau investor atas upaya-
upaya yang perlu dilakukan dalam meningkatkan kinerja Dewan Komisaris. Dengan
adanya pengungkapan tersebut pemegang saham atau investor mengetahui
mekanisme check and balance terhadap kinerja Dewan Komisaris.
Recommendation 9: Comply
The self-assessment policy to assess the performance of the Board of Commissioners The Company has disclosed the results of
is disclosed through the Public Company Annual Report. the Board of Commissioners’ self-assessment
through the Public Company Annual Report.
Explanation:
Disclosure of the self-assessment policy on the performance of the Board of
Commissioners is carried out not only to fulfill the transparency aspect as a form of
accountability for the implementation of its duties, but also to provide confidence,
especially to shareholders or investors, on the efforts that need to be made to
improve the performance of the Board of Commissioners. With this disclosure,
shareholders or investors know the mechanism of checks and balances on the
performance of the Board of Commissioners.
B.2.3. Rekomendasi 10: Comply
Dewan Komisaris mempunyai kebijakan terkait pengunduran diri anggota Dewan Kebijakan pengunduran diri Dewan
Komisaris apabila terlibat dalam kejahatan keuangan. Komisaris telah diatur pada Anggaran Dasar
Perseroan.
Penjelasan:
Kebijakan pengunduran diri anggota Dewan Komisaris yang terlibat dalam
kejahatan keuangan merupakan kebijakan yang dapat meningkatkan kepercayaan
para pemangku kepentingan terhadap Perusahaan Terbuka, sehingga integritas
perusahaan akan tetap terjaga. Kebijakan ini diperlukan untuk membantu
kelancaran proses hukum dan agar proses hukum tersebut tidak mengganggu
jalannya kegiatan usaha. Selain itu, dari sisi moralitas, kebijakan ini membangun
budaya beretika di lingkungan Perusahaan Terbuka. Kebijakan tersebut dapat
tercakup dalam Pedoman ataupun Kode Etik yang berlaku bagi Dewan Komisaris.
Selanjutnya, yang dimaksud dengan terlibat dalam kejahatan keuangan merupakan
adanya status terpidana terhadap anggota Dewan Komisaris dari pihak yang
berwenang. Kejahatan keuangan dimaksud seperti manipulasi dan berbagai bentuk
penggelapan dalam kegiatan jasa keuangan serta Tindakan Pidana Pencucian Uang
sebagaimana dimaksud dalam Undang-Undang Nomor 8 Tahun 2010 tentang
Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang.
Recommendation 10: Comply
The Board of Commissioners has a policy regarding the resignation of members of The policy for the resignation of the Board
the Board of Commissioners if they are involved in financial crimes.. of Commissioners has been regulated in the
Company’s Articles of Association.
Explanation:
The policy of resigning members of the Board of Commissioners who are involved
in financial crimes is a policy that can increase the confidence of stakeholders in
a Public Company, so that the integrity of the company will be maintained. This
policy is needed to help smooth the legal process and so that the legal process does
not interfere with the running of business activities. In addition, from a morality
point of view, this policy builds an ethical culture within the Public Company. These
policies can be included in the Guidelines or Code of Ethics applicable to the Board
of Commissioners.
Furthermore, what is meant by being involved in a financial crime is the convict
status of a member of the Board of Commissioners from the authorized party. The
financial crimes referred to are manipulation and various forms of embezzlement
in financial service activities as well as the Criminal Action of Money Laundering as
referred to in Law Number 8 of 2010 concerning Prevention and Eradication of the
Crime of Money Laundering.
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Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
B.2.4. Rekomendasi 11: Comply
Dewan Komisaris atau Komite yang menjalankan fungsi Nominasi dan Remunerasi Dewan Komisaris melalui Komite Nominasi
menyusun kebijakan suksesi dalam proses Nominasi anggota Direksi. dan Remunerasi telah mempunyai kebijakan
suksesi dalam proses Nominasi anggota
Penjelasan: Direksi, yang tertuang dalam Pedoman
Berdasarkan ketentuan Peraturan Otoritas Jasa Keuangan Nomor 34/POJK.04/2014 Nominasi bank bjb.
tentang Komite Nominasi dan Remunerasi Emiten atau Perusahaan Publik, komite
yang menjalankan fungsi nominasi mempunyai tugas untuk menyusun kebijakan
dan kriteria yang dibutuhkan dalam proses Nominasi calon anggota Direksi. Salah
satu kebijakan yang dapat mendukung proses Nominasi sebagaimana dimaksud
adalah kebijakan suksesi anggota Direksi. Kebijakan mengenai suksesi bertujuan
untuk menjaga kesinambungan proses regenerasi atau kaderisasi kepemimpinan di
perusahaan dalam rangka mempertahankan keberlanjutan bisnis dan tujuan jangka
panjang perusahaan.
Recommendation 11: Comply
The Board of Commissioners or the Committee that carries out the Nomination The Board of Commissioners through the
and Remuneration function shall formulate a succession policy in the process of Nomination and Remuneration Committee
nominating members of the Directors. has a succession policy in the nomination
process for members of the Directors,
Explanation: which is stated in the bank bjb Nomination
Based on the provisions of the Financial Services Authority Regulation Number 34/ Guidelines.
POJK.04/2014 concerning the Nomination and Remuneration Committee for Issuers
or Public Companies, the committee that carries out the nomination function has
the task of formulating the policies and criteria needed in the nomination process
for prospective members of the Directors. One of the policies that can support
the nomination process as referred to is the succession policy for members of the
Directors. The succession policy aims to maintain the continuity of the regeneration
process or leadership regeneration in the company in order to maintain business
sustainability and the company’s long-term goals.
C. ASPEK 3: FUNGSI DAN PERAN DIREKSI
ASPECT 3: FUNCTION AND ROLE OF DIRECTORS
C.1. Prinsip 5: Memperkuat Keanggotaan dan Komposisi Direksi.
Principle 5: Strengthening the Membership and Composition of Directors.
C.1.1. Rekomendasi 12: Comply
Penentuan jumlah anggota Direksi mempertimbangkan kondisi Penentuan jumlah anggota Direksi telah
Perusahaan Terbuka serta efektivitas dalam pengambilan keputusan. mempertimbangkan kondisi Perseroan serta
efektivitas dalam pengambilan keputusan.
Penjelasan:
Sebagai organ perusahaan yang berwenang dalam pengurusan perusahaan,
penentuan jumlah Direksi sangat mempengaruhi jalannya kinerja Perusahaan
Terbuka. Dengan demikian, penentuan jumlah anggota Direksi harus dilakukan
melalui pertimbangan yang matang dan wajib mengacu pada ketentuan Peraturan
Perundang-undangan yang berlaku, dimana berdasarkan Peraturan Otoritas
Jasa Keuangan Nomor 33/POJK.04/2014 tentang Direksi dan Dewan Komisaris
Emiten atau Perusahaan Publik paling sedikit terdiri dari 2 (dua) orang. Disamping
itu, dalam penentuan jumlah Direksi harus didasarkan pada kebutuhan untuk
mencapai maksud dan tujuan Perusahaan Terbuka dan disesuaikan dengan kondisi
Perusahaan Terbuka yang meliputi karakteristik, kapasitas, dan ukuran Perusahaan
Terbuka serta bagaimana tercapainya efektivitas pengambilan keputusan Direksi.
Recommendation 12: Comply
The determination of the number of members of the Directors takes into account The determination of the number of
the condition of the Public Company and its effectiveness in decision making. members of the Directors has taken into
account the Company’s condition and
Explanation: effectiveness in decision making.
As a company organ that is authorized in managing the company, the determination
of the number of Directors greatly affects the performance of the Public Company.
Thus, the determination of the number of members of the Directors must be
carried out through careful consideration and must refer to the provisions of the
applicable laws and regulations, which are based on the Financial Services Authority
Regulation Number 33/ POJK.04/2014 concerning the Directors and Board of
Commissioners of Issuers or Public Companies at least consists of 2 (two) people.
In addition, the determination of the number of Directors must be based on the
need to achieve the aims and objectives of the Public Company and adjusted to
the conditions of the Public Company which includes the characteristics, capacity,
and size of the Public Company as well as how to achieve the effectiveness of the
Directors’ decision making.
2023 Annual Report
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Page 605
TATA KELOLA
PERUSAHAAN
Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
C.1.2. Rekomendasi 13: Comply
Penentuan komposisi anggota Direksi memperhatikan, keberagaman keahlian, Penentuan komposisi anggota Direksi telah
pengetahuan, dan pengalaman yang dibutuhkan. memperhatikan, keberagaman keahlian,
pengetahuan dan pengalaman yang
Penjelasan: dibutuhkan oleh Perseroan.
Seperti halnya Dewan Komisaris, keberagaman komposisi anggota Direksi
merupakan kombinasi karakteristik yang diinginkan baik dari segi organ Direksi
maupun anggota Direksi secara individu, sesuai dengan kebutuhan Perusahaan
Terbuka. Kombinasi tersebut ditentukan dengan cara memperhatikan keahlian,
pengetahuan dan pengalaman yang sesuai pada pembagian tugas dan fungsi
jabatan Direksi dalam mencapai tujuan Perusahaan Terbuka. Dengan demikian,
pertimbangan kombinasi karakteristik dimaksud akan berdampak dalam ketepatan
proses pencalonan dan penunjukan individual anggota Direksi ataupun Direksi
secara kolegial.
Recommendation 13: Comply
The determination of the composition of the members of the Directors takes into The determination of the composition of
account the diversity of expertise, knowledge, and experience required. the members of the Directors has taken
into account the diversity of expertise,
Explanation: knowledge, and experience required by the
Like the Board of Commissioners, the diversity of the composition of the members Company
of the Directors is a combination of desirable characteristics both in terms of organs
of the Directors and individual members of the Directors, in accordance with the
needs of a Public Company. The combination is determined by taking into account
the appropriate expertise, knowledge and experience in the division of duties and
functions of the Directors in achieving the objectives of the Public Company. Thus,
the consideration of the combination of these characteristics will have an impact
on the accuracy of the nomination process and the appointment of individual
members of the Directors or the Directors collegially.
C.1.3. Rekomendasi 14: Comply
Anggota Direksi yang membawahi bidang akuntansi atau keuangan memiliki Anggota Direksi yang membawahi bidang
keahlian dan/atau pengetahuan di bidang akuntansi. akuntansi atau keuangan telah memiliki
keahlian dan/atau pengetahuan di bidang
Penjelasan: akuntansi.
Laporan Keuangan merupakan laporan pertanggungjawaban manajemen atas
pengelolaan sumber daya yang dimiliki oleh Perusahaan Terbuka, yang wajib
disusun dan disajikan sesuai dengan Standar Akuntansi Keuangan yang berlaku
umum di Indonesia dan juga peraturan OJK terkait, antara lain peraturan
perundang-undangan di sektor Pasar Modal yang mengatur mengenai penyajian
dan pengungkapan Laporan Keuangan Perusahaan Terbuka. Berdasarkan
peraturan perundang-undangan di sektor Pasar Modal yang mengatur mengenai
tanggung jawab Direksi atas Laporan Keuangan, Direksi secara tanggung renteng
bertanggung jawab atas Laporan Keuangan, yang ditandatangani Direktur Utama
dan anggota Direksi yang membawahi bidang akuntansi atau keuangan.
Dengan demikian, pengungkapan dan penyusunan informasi keuangan yang
disajikan dalam laporan keuangan akan sangat tergantung pada keahlian, dan/
atau pengetahuan Direksi, khususnya anggota Direksi yang membawahi bidang
akuntansi atau keuangan. Adanya kualifikasi keahlian dan/atau pengetahuan
di bidang akuntansi yang setidaknya dimiliki anggota Direksi dimaksud dapat
memberikan keyakinan atas penyusunan Laporan Keuangan, sehingga Laporan
Keuangan tersebut dapat diandalkan oleh para pemangku kepentingan
(stakeholders) sebagai dasar pengambilan keputusan ekonomi terkait Perusahaan
Terbuka dimaksud. Keahlian dan/atau pengetahuan tersebut dapat dibuktikan
dengan latar belakang pendidikan, sertifikasi pelatihan, dan/atau pengalaman kerja
terkait.
Tahunan 2023
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Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
Recommendation 14: Comply
Members of the Directors in charge of accounting or finance have expertise and/or Members of the Directors in charge of
knowledge in accounting. accounting or finance have expertise and/or
knowledge in accounting.
Explanation: The Financial Report is a management accountability report for the
management of resources owned by a Public Company, which must be prepared and
presented in accordance with generally accepted Financial Accounting Standards in
Indonesia as well as related OJK regulations, including the laws and regulations
in the Capital Market sector which regulates the presentation and disclosure of
Public Company Financial Statements. Based on the laws and regulations in the
Capital Market sector which regulates the responsibilities of the Directors for
the Financial Statements, the Directors is jointly and severally responsible for the
Financial Statements, which are signed by the President Director and members of
the Directors in charge of accounting or finance.
Thus, the disclosure and preparation of financial information presented in the
financial statements will greatly depend on the expertise and/or knowledge of
the Directors, particularly members of the Directors in charge of accounting or
finance. The existence of qualifications of expertise and/ or knowledge in the field
of accounting that at least belongs to the said member of the Directors can provide
confidence in the preparation of the Financial Statements, so that the Financial
Statements can be relied on by stakeholders as the basis for making economic
decisions regarding the Public Company. Such expertise and/or knowledge can
be proven by educational background, training certification, and/or related work
experience.
C.2. Prinsip 6: Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi
Principle 6: Improving the Quality of Performing Duties and Responsibilities of Directors.
C.2.1. Rekomendasi 15: Comply
Direksi mempunyai kebijakan penilaian sendiri (self assessment) untuk menilai Dewan Komisaris telah mempunyai
kinerja Direksi. kebijakan penilaian sendiri (self assessment)
untuk menilai kinerja Dewan Komisaris
Penjelasan: melalui Komite Nominasi dan Remunerasi
Seperti halnya pada Dewan Komisaris, kebijakan penilaian sendiri (self assessment) yang telah disahkan melalui Surat Keputusan
Direksi merupakan suatu pedoman yang digunakan sebagai bentuk akuntabilitas Dewan Komisaris Nomor 03/SK/DKO/2022
atas penilaian kinerja Direksi secara kolegial. Self assessment atau penilaian tanggal 4 Januari 2022 tentang Pedoman
sendiri dimaksud dilakukan oleh masing-masing anggota Direksi untuk menilai dan Tata Tertib Kerja Komite Nominasi dan
pelaksanaan kinerja Direksi secara kolegial, dan bukan menilai kinerja individual Remunerasi PT Bank Pembangunan Daerah
masing-masing anggota Direksi. Dengan adanya self assessment ini diharapkan Jawa Barat dan Banten Tbk.
masing-masing anggota Direksi dapat berkontribusi untuk memperbaiki kinerja
Direksi secara berkesinambungan.
Dalam kebijakan tesebut dapat mencakup kegiatan penilaian yang dilakukan
beserta maksud dan tujuannya, waktu pelaksanaannya secara berkala, dan tolak
ukur atau kriteria penilaian yang digunakan sesuai dengan dengan rekomendasi
yang diberikan oleh fungsi nominasi dan remunerasi Perusahaan Terbuka, dimana
pembentukan fungsi tersebut telah diwajibkan dalam Peraturan Otoritas Jasa
Keuangan Nomor 34/POJK.04/2014 tentang Komite Nominasi dan Remunerasi
Emiten atau Perusahaan Publik.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1115
Page 607
TATA KELOLA
PERUSAHAAN
Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
Recommendation 15: Comply
The Directors has a self-assessment policy to assess the performance of the The Directors has a self-assessment policy
Directors. to assess the performance of the Directors
through the Nomination and Remuneration
Explanation: Committee, which the Decree has approved
As with the Board of Commissioners, the Directors’ self-assessment policy is a of the Board of Commissioners Number
guideline used as a form of accountability for collegially assessing the performance SK/DKO/2022 dated January 4, 2022,
of the Directors. The self-assessment is meant to be carried out by each member concerning Guidelines and Work Rules
of the Directors to assess the performance of the Directors collegially, and not for the Nomination and Remuneration
to assess the individual performance of each member of the Directors. With this Committee of PT Bank Pembangunan
self-assessment, it is hoped that each member of the Directors can contribute to Daerah Jawa Barat dan Banten Tbk.
improving the performance of the Directors on an ongoing basis.
The policy may include assessment activities carried out along with their aims
and objectives, periodical implementation time, and benchmarks or assessment
criteria used in accordance with the recommendations given by the nomination
and remuneration function of a Public Company, where the establishment of this
function has been required in the Authority Regulation. Financial Services Number
34/POJK.04/2014 concerning the Nomination and Remuneration Committee for
Issuers or Public Companies.
C.2.2. Rekomendasi 16: Comply
Kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Direksi Hasil penilaian sendiri (self assessment)
diungkapkan melalui laporan tahunan Perusahaan Terbuka. Direksi telah diungkapkan Perseroan melalui
Laporan Tahunan ini.
Penjelasan:
Pengungkapan kebijakan self assessment atas kinerja Direksi dilakukan tidak hanya
untuk memenuhi aspek transparansi sebagai bentuk pertanggungjawaban atas
pelaksanaan tugasnya, namun juga untuk memberikan informasi penting atas
upaya-upaya perbaikan dalam pengelolaan Perusahaan Terbuka. Informasi tersebut
sangat bermanfaat untuk memberikan keyakinan kepada pemegang saham atau
investor bahwa terdapat kepastian pengelolaan perusahaan terus dilakukan ke arah
yang lebih baik. Dengan adanya pengungkapan tersebut pemegang saham atau
investor mengetahui mekanisme check and balance terhadap kinerja Direksi.
Recommendation 16: Comply
The self-assessment policy to assess the performance of the Directors is disclosed in The Company has disclosed the results of
the Public Company’s annual report.. the Directors’ self-assessment through this
Annual Report.
Explanation: Disclosure of the self-assessment policy on the performance of
the Directors is carried out not only to fulfill the transparency aspect as a form of
accountability for the implementation of their duties, but also to provide important
information on efforts to improve the management of the Public Company. This
information is very useful to provide confidence to shareholders or investors that
there is certainty that the management of the company will continue to be carried
out in a better direction. With this disclosure, shareholders or investors know the
mechanism of checks and balances on the performance of the Directors.
C.2.3. Rekomendasi 17: Comply
Direksi mempunyai kebijakan terkait pengunduran diri anggota Direksi apabila Perseroan belum mempunyai kebijakan
terlibat dalam kejahatan keuangan. khusus terkait pengunduran diri anggota
Direksi apabila terlibat dalam kejahatan
Penjelasan: keuangan, namun dalam SK nomor 0077/
Kebijakan pengunduran diri anggota Direksi yang terlibat dalam kejahatan keuangan SK/DIR-CS-2019 tanggal 14 Januari 2019
merupakan kebijakan yang dapat meningkatkan kepercayaan para pemangku tentang Kebijakan Tata Tertib Kerja Direksi
kepentingan terhadap Perusahaan Terbuka, sehingga integritas perusahaan akan mengatur mengenai penggantian Direksi.
tetap terjaga. Kebijakan ini diperlukan untuk membantu kelancaran proses hukum
dan agar proses hukum tersebut tidak mengganggu jalannya kegiatan usaha.
Selain itu, dari sisi moralitas, kebijakan ini akan membangun budaya beretika
di lingkungan Perusahaan Terbuka. Kebijakan tersebut dapat tercakup dalam
Pedoman ataupun Kode Etik yang berlaku bagi Direksi.
Selanjutnya, yang dimaksud dengan terlibat dalam kejahatan keuangan merupakan
adanya status terpidana terhadap anggota Direksi dari pihak yang berwenang.
Kejahatan keuangan dimaksud seperti manipulasi dan berbagai bentuk
penggelapan dalam kegiatan jasa keuangan serta Tindakan Pidana Pencucian Uang
sebagaimana dimaksud dalam Undang Undang Nomor 8 Tahun 2010 tentang
Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang.
Tahunan 2023
1116 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 608
CORPORATE
GOVERNANCE
Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
Recommendation 17: Comply
The Directors has a policy regarding the resignation of members of the Directors if The Company does not yet have a specific
they are involved in financial crimes. policy regarding the resignation of members
of the Directors if they are involved in
Explanation: financial crimes; however, in Decree number
The policy for the resignation of members of the Directors who are involved in 0077/SK/DIR-CS-2019 dated January 14,
financial crimes is a policy that can increase the confidence of stakeholders in the 2019, concerning the Policy for the Work
Public Company, so that the integrity of the company will be maintained. This policy Procedure of the Directors, it regulates the
is needed to help smooth the legal process and so that the legal process does replacement of the Directors.
not interfere with the running of business activities. In addition, from a morality
point of view, this policy will build an ethical culture within the Public Company.
These policies can be included in the Guidelines or Code of Ethics applicable to the
Directors. Furthermore, what is meant by being involved in a financial crime is the
convict status of a member of the Directors from the authorized party. The financial
crimes referred to are manipulation and various forms of embezzlement in financial
service activities as well as the Criminal Action of Money Laundering as referred to
in Law Number 8 of 2010 concerning Prevention and Eradication of the Crime of
Money Laundering.
D. ASPEK 4: PARTISIPASI PEMANGKU KEPENTINGAN
ASPECT 4: STAKEHOLDER PARTICIPATION
D.1. Prinsip 7: Meningkatkan Aspek Tata Kelola Perusahaan melalui Partisipasi Pemangku Kepentingan.
Principle 7: Enhancing Corporate Governance Aspects through Stakeholder Participation.
D.1.1. Rekomendasi 18: Comply
Perusahaan Terbuka memiliki kebijakan untuk mencegah terjadinya insider trading. Kebijakan Perseroan tentang Insider Trading
diatur dalam:
Penjelasan:
Seseorang yang mempunyai informasi orang dalam dilarang melakukan suatu Surat Keputusan Direksi nomor 709/SK/DIR-
transaksi Efek dengan menggunakan informasi orang dalam sebagaimana dimaksud KP/2014 tanggal 7 Oktober 2014 tentang
dalam Undang-Undang mengenai Pasar Modal. Perusahaan Terbuka dapat Etika Usaha dan Tata Perilaku (Code of
meminimalisir terjadinya insider trading tersebut melalui kebijakan pencegahan, Conduct) PT Bank Pembangunan Daerah
misalnya dengan memisahkan secara tegas data dan/atau informasi yang bersifat Jawa Barat dan Banten, Tbk. dan Surat
rahasia dengan yang bersifat publik, serta membagi tugas dan tanggung jawab Keputusan Direksi nomor 0539/SK/DIR-
atas pengelolaan informasi dimaksud secara proporsional dan efisien. HCA/2021 tanggal 30 Juli 2021 tentang SOP
Disiplin Pegawai.
Recommendation 18: Comply
The Public Company has a policy to prevent insider trading. The Company’s policy regarding Insider
Trading is regulated in:
Explanation:
A person who has inside information is prohibited from conducting a Securities Decree of the Directors number 709/
transaction using inside information as referred to in the Capital Market Law. Public SK/DIRKP/2014 dated October 7, 2014
companies can minimize the occurrence of insider trading through preventive regarding the Business Ethics and Code of
policies, for example by strictly separating confidential data and/or information Conduct of PT Bank Pembangunan Daerah
from those of a public nature, as well as dividing duties and responsibilities for the Jawa Barat dan Banten, Tbk. and the Decree
management of the information in a proportional and efficient manner. of the Directors number 0539/SK/ DIR-
HCA/2021 dated July 30, 2021 regarding
the SOP for Employee Discipline.
D.1.2. Rekomendasi 19: Comply
Perusahaan Terbuka memiliki kebijakan anti korupsi dan anti fraud. Perseroan telah menetapkan pedoman
pengendalian gratifikasi dan pedoman
Penjelasan: pelaporan LHKPN dalam rangka upaya
Kebijakan anti korupsi bermanfaat untuk memastikan agar kegiatan usaha pencegahan anti korupsi dan anti fraud yang
Perusahaan Terbuka dilakukan secara legal, prudent, dan sesuai dengan prinsip- tertuang dalam Surat Keputusan Direksi
prinsip tata kelola yang baik. Kebijakan tersebut dapat merupakan bagian dalam Nomor 0149/SK/DIR-KAP/2022 tanggal 31
kode etik, ataupun dalam bentuk tersendiri. Dalam kebijakan tersebut dapat Mei 2022 tentang Pedoman Laporan Harta
meliputi antara lain mengenai program dan prosedur yang dilakukan dalam Kekayaan Penyelenggara Negara (LHKPN)
mengatasi praktik korupsi, balas jasa (kickbacks), fraud, suap dan/atau gratifikasi dan Surat Keputusan Direksi Nomor 0148/
dalam Perusahaan Terbuka. Lingkup dari kebijakan tersebut harus menggambarkan SK/DIR-KAP/2022 tanggal 31 Mei 2022
pencegahan Perusahaan Terbuka terhadap segala praktik korupsi baik memberi tentang Pedoman Pengendalian Gratifikasi.
atau menerima dari pihak lain.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1117
Page 609
TATA KELOLA
PERUSAHAAN
Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
Recommendation 19: Comply
The Public Company has an anti-corruption and anti-fraud policy. The Company has established guidelines
for controlling gratification and guidelines
Explanation: for reporting LHKPN in the context of anti-
The anti-corruption policy is useful to ensure that the business activities of the corruption and antifraud prevention efforts
Public Company are carried out legally, prudently, and in accordance with the as stated in the Decree of the Directors
principles of good governance. The policy can be part of the code of ethics, or Number 0149/SK/DIR-KAP/2022 May 31,
in a separate form. The policy may include, among others, the programs and 2022, concerning Guidelines of State
procedures carried out in overcoming the practice of corruption, kickbacks, fraud, Administrators Wealth Reports (LHKPN)
bribery and/or gratuities in a Public Company. The scope of the policy must describe Decision of the Directors Number 0148/SK/
the prevention of the Public Company against all corrupt practices, both giving and DIRKAP/2022 May 31, 2022, concerning
receiving from other parties. Guidelines for Gratification Control.
D.1.3. Rekomendasi 20: Comply
Perusahaan Terbuka memiliki kebijakan tentang seleksi dan peningkatan Dalam rangka pelaksanaan pengadaan
kemampuan pemasok atau vendor. barang dan jasa, Perseroan telah menetapkan
kebijakan barang dan jasa yang didalamnya
Penjelasan: terdapat ketentuan mengenai seleksi dan
Kebijakan tentang seleksi pemasok atau vendor bermanfaat untuk memastikan peningkatan kemampuan pemasok yang
agar Perusahaan Terbuka memperoleh barang atau jasa yang diperlukan dengan tertuang dalam surat keputusan Direksi
harga yang kompetitif dan kualitas yang baik. Sedangkan kebijakan peningkatan Nomor 0423/SK/DIR-UMU/2023 tanggal 6
kemampuan pemasok atau vendor bermanfaat untuk memastikan bahwa rantai November 2023 dan surat keputusan Direksi
pasokan (supply chain) berjalan dengan efisien dan efektif. Kemampuan pemasok Nomor 0523/SK/DIR-UMU/2023 tanggal 29
atau vendor dalam memasok/memenuhi barang atau jasa yang dibutuhkan Desember 2023 tentang Perubahan Standar
perusahaan akan mempengaruhi kualitas output perusahaan. Operasional Prosedur Pengadaan Barang/
Jasa.
Dengan demikian, pelaksanaan kebijakan-kebijakan tersebut dapat menjamin
kontinuitas pasokan, baik dari segi kuantitas maupun kualitas yang dibutuhkan
Perusahaan Terbuka. Adapun cakupan kebijakan ini meliputi kriteria dalam
pemilihan pemasok atau vendor, mekanisme pengadaan yang transparan, upaya
peningkatan kemampuan pemasok atau vendor, dan pemenuhan hak-hak yang
berkaitan dengan pemasok atau vendor.
Perseroan memiliki kebijakan terkait pengadaan barang dan jasa yang berisi
tentang seleksi dan peningkatan kemampuan pemasok atau vendor yang tertuang
dalam standar Pedoman Procurement.
D.1.3. Recommendation 20: Comply
The Public Company has a policy regarding the selection and capacity building of In the context of implementing the
suppliers or vendors. procurement of goods and services, the
Company has established a policy on goods
Explanation: and services in which there are provisions
The policy regarding the selection of suppliers or vendors is useful to ensure that the regarding the selection and improvement
Public Company obtains the goods or services needed at competitive prices and of of supplier capabilities as stated in the
good quality. Meanwhile, the policy of increasing the ability of suppliers or vendors Decree of the Directors Number 0496/
is useful to ensure that the supply chain runs efficiently and effectively. The ability of SK/DIR-UMU/2022 dated June 18, 2022,
suppliers or vendors to supply/ fulfill the goods or services needed by the company concerning Standard Operating Procedures
will affect the quality of the company’s output. for Procurement of Goods/Services.
Thus, the implementation of these policies can ensure continuity of supply, both in
terms of quantity and quality required by the Public Company. The scope of this
policy includes criteria for selecting suppliers or vendors, transparent procurement
mechanisms, efforts to increase the capacity of suppliers or vendors, and fulfillment
of rights related to suppliers or vendors.
The Company has a policy related to the procurement of goods and services which
contains the selection and improvement of supplier or vendor capabilities as stated
in the standard Procurement Guidelines
D.1.4. Rekomendasi 21: Comply
Perusahaan Terbuka memiliki kebijakan tentang pemenuhan hak-hak kreditur. Perseroan telah memiliki kebijakan
tentang pemenuhan hak-hak kreditur
Penjelasan: yang dituangkan pada setiap Perjanjian
Kebijakan tentang pemenuhan hak-hak kreditur digunakan sebagai pedoman Kredit antara bank bjb dengan debitur.
dalam melakukan pinjaman kepada kreditur. Tujuan dari kebijakan dimaksud Pada perjanjian tersebut dicantumkan hak
adalah untuk menjaga terpenuhinya hak-hak dan menjaga kepercayaan kreditur dan kewajiban kedua belah pihak seperti
terhadap Perusahaan Terbuka. Dalam kebijakan tersebut mencakup pertimbangan transparansi laporan keuangan kepada
dalam melakukan perjanjian, serta tindak lanjut dalam pemenuhan kewajiban debitur.
Perusahaan Terbuka kepada kreditur.
Tahunan 2023
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Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
Recommendation 21: Comply
The Public Company has a policy regarding the fulfillment of creditors’ rights. The company already has a policy regarding
the fulfillment of creditor rights, which is
Explanation: stated in each credit agreement between
The policy regarding the fulfillment of creditor rights is used as a guideline in bank bjb and debtors. The agreement
making loans to creditors. The purpose of the policy is to maintain the fulfillment includes the rights and obligations of both
of rights and maintain creditor’s trust in the Public Company. The policy includes parties, such as transparency of financial
considerations in entering into agreements, as well as followup actions in fulfilling statements to debtors.
the obligations of the Public Company to creditors.
D.1.5. Rekomendasi 22: Comply
Perusahaan Terbuka memiliki kebijakan sistem whistleblowing. Perseroan telah menetapkan kebijakan
sistem whistleblowing yang dilaksanakan
Penjelasan: oleh Satuan Kerja Audit Internal
Kebijakan sistem whistleblowing yang telah disusun dengan baik akan memberikan sebagaimana diatur dalam Surat Keputusan
kepastian perlindungan kepada saksi atau pelapor atas suatu indikasi pelanggaran Direksi No. 708/SK/DIR-KP/2014 tanggal 7
yang dilakukan karyawan atau manajemen Perusahaan Terbuka. Penerapan Oktober 2014 tentang Tata Kerja Pelaporan
kebijakan sistem tersebut akan berdampak pada pembentukan budaya tata kelola Pelanggaran (Whistleblowing) di Lingkungan
perusahaan yang baik. Kebijakan sistem whistleblowing mencakup antara lain jenis PT. Bank Pembangunan Daerah Jawa Barat
pelanggaran yang dapat dilaporkan melalui sistem whistleblowing, cara pengaduan, dan Banten, Tbk., yang telah diperbaharui
perlindungan dan jaminan kerahasiaan pelapor, penanganan pengaduan, pihak dalam Surat Keputusan Direksi No. 1079/
yang mengelola aduan, dan hasil penanganan dan tindak lanjut pengaduan. SK/DIR-AI/2016 tanggal 1 Desember 2016
tentang Standar Operasional Prosedur (SOP)
Whistleblowing System.
D.1.5. Recommendation 22: Comply
Public Companies have a whistleblowing system policy. The Company has established a
whistleblowing system policy implemented
Explanation: by the Internal Audit Unit as stipulated in
A whistleblowing system policy that has been prepared properly will provide certainty the Decree of the Directors No. 708/ SK/DIR-
of protection to witnesses or reporters on an indication of a violation committed KP/2014 dated October 7, 2014, concerning
by the employees or management of the Public Company. The implementation Work Procedures for Reporting Violations
of the system policy will have an impact on the formation of a good corporate (Whistleblowing) in PT Bank Pembangunan
governance culture. The whistleblowing system policy covers, among other things, Daerah Jawa Barat dan Banten Tbk.,
the types of violations that can be reported through the whistleblowing system, which has been updated in the Decree of
the method of complaints, protection and assurance of the confidentiality of the the Directors No. 1079/SK/DIR-AI/2016
reporter, handling of complaints, the party managing complaints, and the results of dated December 1, 2016, concerning
handling and following up on complaints. Standard Operating Procedures (SOP) for
Whistleblowing System.
D.1.6. Rekomendasi 23: Comply
Perusahaan Terbuka memiliki kebijakan pemberian insentif jangka panjang kepada Perseroan telah memiliki kebijakan pemberian
Direksi dan karyawan. insentif jangka panjang kepada Direksi dan
karyawan diatur dalam Surat Keputusan
Penjelasan: Direksi PT Bank Pembangunan Daerah Jawa
Insentif jangka panjang merupakan insentif yang didasarkan atas pencapaian kinerja Barat dan Banten, Tbk., Nomor 0380/SK/
jangka panjang. Rencana insentif jangka panjang mempunyai dasar pemikiran DIR-CSE/2022 tanggal 22 Juli 2022 tentang
bahwa kinerja jangka panjang perusahaan tercermin oleh pertumbuhan nilai dari Standar Operasional Prosedur Pengelolaan
saham atau target-target jangka panjang perusahaan lainnya. Insentif jangka Penghasilan, Tunjangan dan Fasilitas Dewan
panjang bermanfaat dalam rangka menjaga loyalitas dan memberikan motivasi Komisaris dan Direksi, dan Surat Keputusan
kepada Direksi dan karyawan untuk menigkatkan kinerja atau produktivitasnya Direksi PT Bank Pembangunan Daerah Jawa
yang akan berdampak pada peningkatan kinerja perusahaan dalam jangka panjang. Barat dan Banten, Tbk. Nomor 0171/SK/
Adanya suatu kebijakan insentif jangka panjang merupakan komitmen nyata DIR-HCA/2023 tanggal 5 Juni 2023 tentang
Perusahaan Terbuka untuk mendorong pelaksanaan pemberian insentif jangka Standar Operasional Prosedur Pengelolaan
panjang kepada Direksi dan Karyawan dengan syarat, prosedur dan bentuk Penghasilan dan Kepegawaian.
yang disesuaikan dengan tujuan jangka panjang Perusahaan Terbuka. Kebijakan
dimaksud dapat mencakup antara lain maksud dan tujuan pemberian insentif
jangka panjang, syarat dan prosedur dalam pemberian insentif, dan kondisi dan
risiko yang harus diperhatikan oleh Perusahaan Terbuka dalam pemberian insentif.
Kebijakan tersebut juga dapat tercakup dalam kebijakan remunerasi Perusahaan
Terbuka yang ada.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1119
Page 611
TATA KELOLA
PERUSAHAAN
Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
Recommendation 23: Comply
The Public Company has a policy of providing long-term incentives to the Directors The Company has a policy of providing
and employees.. longterm incentives to Directors and
employees regulated in the Decree of the
Explanation: Directors of PT Bank Pembangunan Daerah
Long-term incentives are incentives that are based on the achievement of long-term Jawa Barat and Banten, Tbk., Number
performance. Long-term incentive plans have the premise that the company’s long- 0380/SK/DIR-CSE/2022 dated July 22, 2022
term performance is reflected by the growth in the value of the stock or other long- concerning Standard Operational Procedures
term targets of the company. Long-term incentives are useful in order to maintain for Income Management, Allowances and
loyalty and provide motivation to the Directors and employees to increase their Facilities for the Board of Commissioners
performance or productivity which will have an impact on increasing the company’s and Directors, and Decree of the Directors
performance in the long term. of PT Bank Pembangunan Daerah Jawa
Barat and Banten, Tbk. Number 0117/
The existence of a long-term incentive policy is a real commitment of the Public SK/DIHRCA/2022 dated March 16, 2022
Company to encourage the implementation of providing long-term incentives to concerning Standard Operational Procedures
the Directors and Employees with terms, procedures and forms that are adapted to for Employee Compensation and Benefit
the long-term goals of the Public Company. The policy may include, among others, Management.
the intent and purpose of providing long-term incentives, terms and procedures in
providing incentives, and conditions and risks that must be considered by the Public
Company in providing incentives. This policy can also be included in the existing
Public Company remuneration policy..
E. ASPEK 5: KETERBUKAAN INFORMASI
ASPECT 5: INFORMATION DISCLOSURE
E.1. Prinsip 8: Meningkatkan Pelaksanaan Keterbukaan Informasi.
Principle 8: Improving Implementation of Information Disclosure
E.1.1. Rekomendasi 24: Comply
Perusahaan Terbuka memanfaatkan penggunaan teknologi informasi secara lebih Perseroan berupaya memanfaatkan
luas selain Situs Web sebagai media keterbukaan informasi. penggunaan teknologi informasi secara
lebih luas selain situs web sebagai media
Penjelasan: keterbukaan informasi seperti Instagram,
Penggunaan teknologi informasi dapat bermanfaat sebagai media keterbukaan twitter, facebook, tik tok dan youtube.
informasi. Adapun keterbukaan informasi yang dilakukan tidak hanya keterbukaan
informasi yang telah diatur dalam peraturan perundang-undangan, namun juga
informasi lain terkait Perusahaan Terbuka yang dirasakan bermanfaat untuk
diketahui pemegang saham atau investor. Dengan pemanfaatan teknologi
informasi secara lebih luas selain Situs Web diharapkan perusahaan dapat
meningkatkan efektivitas penyebaran informasi perusahaan. Meskipun demikian,
pemanfaatan teknologi informasi yang dilakukan tetap memperhatikan manfaat
dan biaya perusahaan.
Recommendation 24: Comply
Public Companies utilize the use of information technology more broadly than the The Company seeks to utilize the use of
Website as a medium for information disclosure. information technology more broadly in
addition to the website as a medium for
Explanation: information disclosure such as Instagram,
The use of information technology can be useful as a medium for information Twitter, Facebook, tik tok and YouTube.
disclosure. The disclosure of information that is carried out is not only information
disclosure that has been regulated in laws and regulations, but also other
information related to a Public Company that is felt to be useful for shareholders
or investors to know. With the use of information technology more broadly in
addition to the Website, it is hoped that the company can increase the effectiveness
of disseminating company information. Nevertheless, the use of information
technology is carried out with due regard to the benefits and costs of the company.
Tahunan 2023
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Aspek; Prinsip; Rekomendasi Comply or Explain
No
Aspect; Principle; Recommendation Comply or Explain
E.1.2. Rekomendasi 25: Comply
Laporan Tahunan Perusahaan Terbuka mengungkapkan pemilik manfaat akhir Perseroan telah mengungkapkan mengenai
dalam kepemilikan saham Perusahaan Terbuka paling sedikit 5% (lima persen), kepemilikan saham Perseroan paling sedikit
selain pengungkapan pemilik manfaat akhir dalam kepemilikan saham Perusahaan 5% serta Pemegang Saham Utama dan
Terbuka melalui pemegang saham utama dan pengendali. Pengendali.
Penjelasan:
Peraturan perundang-undangan di sektor Pasar Modal yang mengatur mengenai
penyampaian laporan tahunan Perusahaan Terbuka telah mengatur kewajiban
pengungkapan informasi mengenai pemegang saham yang memiliki 5% (lima
persen) atau lebih saham Perusahaan Terbuka, serta kewajiban pengungkapan
informasi mengenai pemegang saham utama dan pengendali Perusahaan
Terbuka baik langsung maupun tidak langsung sampai dengan pemilik manfaat
terakhir dalam kepemilikan saham tersebut. Dalam Pedoman Tata Kelola ini
direkomendasikan untuk mengungkapkan pemilik manfaat akhir atas kepemilikan
saham Perusahaan Terbuka paling sedikit 5% (lima persen), selain mengungkapkan
pemilik manfaat akhir dari kepemilikan saham oleh pemegang saham utama dan
pengendali.
Recommendation 25: Comply
The Public Company Annual Report discloses the ultimate beneficial owner in the The Company has disclosed the ownership
Public Company’s share ownership of at least 5% (five percent), in addition to the of the Company’s shares at least 5% as well
disclosure of the final beneficial owner in the Public Company’s share ownership as the Major and Controlling Shareholders.
through the major and controlling shareholders.
Explanation:
The laws and regulations in the Capital Market sector governing the submission of
the annual report of a Public Company have regulated the obligation to disclose
information regarding shareholders who own 5% (five percent) or more of the
shares of a Public Company, as well as the obligation to disclose information
regarding the main and controlling shareholders of a Public Company. either
directly or indirectly to the ultimate beneficial owner in the ownership of the shares.
In this Governance Manual, it is recommended to disclose the ultimate beneficial
owner of share ownership in a Public Company of at least 5% (five percent), in
addition to disclosing the ultimate beneficial owner of share ownership by the
major and controlling shareholders.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1121
Page 613
TATA KELOLA
PERUSAHAAN
Good Corporate Governance Assessment
Good Corporate Governance Assessment
Dalam rangka evaluasi penerapan GCG, Perseroan melaksanakan To evaluate the implementation of GCG, the Company carries
GCG Assessment yang dilaksanakan secara periodik dan konsisten out a GCG Assessment which is carried out periodically and
setiap tahun yang terdiri dari Self Assessment sesuai ketentuan consistently every year, consisting of Self Assessment following
OJK. Berdasarkan Peraturan Otoritas Jasa Keuangan No. 55/ OJK regulations. Based on the Financial Services Authority
POJK.03/2016 tentang Penerapan Tata Kelola Bagi Bank Umum, Regulation No. 55/POJK.03/2016 concerning Implementation of
Surat Edaran OJK No. 13/SEOJK.03/2017 tentang Penerapan Good Corporate Governance for Commercial Banks, OJK Circular
Tata Kelola Bagi Bank Umum, Peraturan Otoritas Jasa Keuangan Letter No. 13/SEOJK.03/2017 concerning Implementation of
No. 21/POJK.04/2015 tentang Penerapan Pedoman Tata Kelola Good Corporate Governance for Commercial Banks, Financial
Perusahaan Terbuka, Surat Edaran Otoritas Jasa Keuangan No. Services Authority Regulation No. 21/POJK.04/2015 concerning
32/SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan Implementation of Public Company Governance Guidelines,
Terbuka serta POJK No. 4/POJK.03/2016 tentang Penilaian Tingkat Circular Letter of the Financial Services Authority No. 32/
Kesehatan Bank Umum, Peraturan Otoritas Jasa Keuangan tentang SEOJK.04/2015 concerning Guidelines for Public Company
penilaian Tingkat Kesehatan Bank, salah satu poin penilaian Governance and POJK No. 4/POJK.03/2016 concerning Assessment
tingkat kesehatan Bank adalah penilaian sendiri (self assessment) of Commercial Bank Soundness Level, Financial Services Authority
atas pelaksanaan prinsip-prinsip Tata Kelola Perusahaan yang Baik Regulation regarding Bank Soundness Level assessment, one of
(GCG) pada Bank. the points of Bank soundness level assessment is self-assessment
on the implementation of Good Corporate Governance (GCG)
principles on Bank.
Self Assessment Self Assessment
Kriteria Penilaian Assessment Criteria
Pelaksanaan Self Assessment tersebut dilakukan secara periodik The Self Assessment is conducted periodically every semester,
setiap semester yaitu pada bulan Juni dan Desember pada tahun namely in June and December in the current year. This
berjalan. Penilaian sendiri ini dimaksudkan untuk memetakan selfassessment is intended to map the strengths and weaknesses
kekuatan (strength) dan Kelemahan pelaksanaan GCG di bank of the implementation of GCG in the bank bjb in terms of three
bjb yang ditinjau dari tiga aspek yaitu: aspects, namely:
1. Governance Structure 1. Governance Structure
Penilaian governance structure bertujuan untuk menilai The governance structure assessment aims to assess
kecukupan struktur dan infrastruktur tata kelola Perseroan the adequacy of the structure and infrastructure of the
agar proses pelaksanaan prinsip GCG menghasilkan outcome Company’s governance so that the process of implementing
yang sesuai dengan harapan stakeholders Perseroan. Yang GCG principles produces outcomes that are in line with
termasuk dalam struktur tata kelola Perseroan adalah Dewan the expectations of the Company’s stakeholders. Included
Komisaris, Direksi, Komite dan satuan kerja pada Perseroan. in the Company’s governance structure are the Board of
Adapun yang termasuk infrastruktur tata kelola Perseroan Commissioners, Directors, Committees and work units of
antara lain adalah kebijakan dan prosedur, sistem informasi the Company. As for the included corporate governance
manajemen serta tugas pokok dan fungsi masing-masing infrastructure, among others are policies and procedures,
struktur organisasi. management information systems as well as the main tasks
and functions of each organizational structure.
2. Governance Process 2. Governance Process
Penilaian governance process bertujuan untuk menilai The governance process assessment aims to assess the
efektivitas proses pelaksanaan prinsip GCG yang didukung effectiveness of the process of implementing GCG principles
oleh kecukupan struktur dan infrastruktur tata kelola supported by the adequacy of the structure and infrastructure
Perseroan sehingga menghasilkan outcome yang sesuai of the Company’s governance so as to produce outcomes that
dengan harapan stakeholders. are in line with stakeholder expectations.
Tahunan 2023
1122 Laporan
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CORPORATE
GOVERNANCE
3. Governance Outcome 3. Governance Outcome
Penilaian governance outcome bertujuan untuk menilai Governance outcome assessment aims to assess the quality of
kualitas outcome yang memenuhi harapan stakeholders outcomes that meet the expectations of stakeholders which
yang merupakan hasil proses pelaksanaan prinsip GCG yang is the result of the process of implementing GCG principles
didukung oleh kecukupan struktur dan infrastruktur tata supported by the adequacy of corporate governance
kelola perusahaan. Yang termasuk dalam outcome mencakup structures and infrastructure. Included in the outcomes
aspek kualitatif dan aspek kuantitatif, antara lain yaitu: include qualitative aspects and quantitative aspects, including:
a. Kecukupan transparansi laporan; a. Adequacy of report transparency;
b. Kepatuhan terhadap peraturan perundang-undangan; b. Compliance with laws and regulations;
c. Perlindungan konsumen; c. Consumer protection;
d. Obyektivitas dalam melakukan assessment/audit; d. Objectivity in conducting assessments/audits;
e. Kinerja bank seperti rentabilitas, efisiensi, dan e. Bank performance such as profitability, efficiency and
permodalan; dan/atau capital; and/or
f. Peningkatan/penurunan kepatuhan terhadap ketentuan f. The Increased/decreased compliance with applicable
yang berlaku dan penyelesaian permasalahan yang regulations and resolution of problems faced by banks
dihadapi bank seperti fraud, pelanggaran BMPK, such as fraud, LLL violations, violations of provisions
pelanggaran ketentuan terkait laporan bank kepada related to bank statements to regulators.
regulator.
Self assessment meliputi 11 (sebelas) faktor penilaian pelaksanaan Self-assessment includes 11 (eleven) GCG implementation
GCG yang meliputi: evaluation factors which include:
1. Pelaksanaan tugas dan tanggung jawab Dewan Komisaris. 1. Implementation of the duties and responsibilities of the Board
of Commissioners.
2. Pelaksanaan tugas dan tanggung jawab Direksi. 2. Implementation of the duties and responsibilities of the
Directors.
3. Kelengkapan dan pelaksanaan tugas Komite. 3. Completeness and implementation of the Committee's
duties.
4. Penanganan benturan kepentingan. 4. Handling conflicts of interest.
5. Penerapan fungsi kepatuhan. 5. Implementation of the compliance function.
6. Penerapan fungsi audit internal. 6. Implementation of the internal audit function.
7. Penerapan fungsi audit eksternal. 7. Implementation of the external audit function.
8. Penerapan manajemen risiko termasuk sistem pengendalian 8. Implementation of risk management including internal control
internal. system.
9. Penyediaan dana kepada pihak terkait (related party) dan 9. Provision of funds to related parties and large funds (large
penyediaan dana besar (large exposure). exposure).
10. Transparansi kondisi keuangan dan non keuangan Bank, 10. Transparency of the Bank's financial and non-financial
laporan pelaksanaan Good Corporate Governance dan conditions, reports on the Implementation of Good Corporate
pelaporan internal. Governance, and internal reporting.
11. Rencana Strategis Bank. 11. Bank Strategic Plan.
Pihak yang Melakukan Assessment Parties That Carry Out The Assessment
Proses penilaian self assessment tata kelola bank bjb melibatkan The process of self-assessment of governance of bank bjb involves
seluruh Dewan Komisaris, Direksi dan unit kerja yang terkait all the Board of Commissioners, Directors and work units related
dengan faktor penilaian tata kelola dimaksud. to referred the governance assessment factors.
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TATA KELOLA
PERUSAHAAN
Skor Penilaian The Score of Assessment
Hasil Self Assessment Periode Januari – Juni 2023 Self Assessment Results for the Period January – June 2023
Hasil Penilaian Sendiri (Self Assessment) Pelaksanaan GCG
Results of Self-Assessment Implementation of Governance
PERINGKAT DEFINISI PERINGKAT
RANK RANK DEFINITION
Mencerminkan manajemen Bank telah melakukan penerapan Tata Kelola yang secara umum Baik.
Hal ini tercermin dari pemenuhan yang memadai atas prinsip Tata Kelola. Dalam hal terdapat
kelemahan penerapan prinsip Tata Kelola, secara umum kelemahan tersebut kurang signifikan dan
dapat diselesaikan dengan tindakan normal oleh manajemen Bank.
Individual 2
Reflects that the Bank’s management has implemented generally good governance. This is reflected
in adequate fulfillment of Governance principles. In the event that there are weaknesses in the
application of Governance principles, in general these weaknesses are less significant and can be
resolved with normal actions by Bank management.
Hasil Penilaian Sendiri (Self Assessment) Penerapan Tata Kelola
Results of Self-Assessment Implementation of Governance
Kesimpulan: Conclusion:
Berdasarkan analisis terhadap seluruh kriteria atau indikator penilaian Based on the analysis of all the assessment criteria or indicators mentioned
tersebut di atas, disimpulkan bahwa: above, it was concluded that:
A. Governance Structure a. Governance Structure
Faktor positif aspek governance structure adalah: Positive factors aspects of governance structure are:
1. Jumlah anggota Dewan Komisaris dan anggota Direksi Bank telah 1. The number of members of the Board of Commissioners and members
memenuhi jumlah minimum yang harus dipenuhi oleh Bank sesuai of the Directors of the Bank had met the minimum number that had to
Peraturan Otoritas Jasa Keuangan dan seluruhnya berdomisili di be met by the Bank in accordance with the Regulations of the Financial
Indonesia; Services Authority and all of them were domiciled in Indonesia;
2. Dewan Komisaris dan Anggota Direksi Bank memiliki integritas, 2. The Board of Commissioners and Members of the Directors of the Bank
kompetensi dan reputasi keuangan yang baik. Hal tersebut dapat had integrity, competence and good financial reputation. This could be
dilihat dari hasil penilaian kemampuan dan kepatutan oleh Otoritas seen from the results of the fit and proper test by the Financial Services
Jasa Keuangan dimana Dewan Komisaris dan anggota Direksi telah Authority where the Board of Commissioners and members of the
dinyatakan lulus dan tidak pernah terlibat kasus hukum; Directors passed and had never been involved in a legal case;
3. Seluruh anggota Dewan Komisaris dan Direksi Bank tidak saling 3. All members of the Board of Commissioners and Directors of the Bank did
memiliki hubungan keluarga sampai derajat kedua dengan sesama not have family relations to the second degree with fellow members of the
anggota Dewan Komisaris dan/atau Direksi; Board of Commissioners and/or Directors;
4. Bank telah mengkinikan struktur organisasi berdasarkan kebutuhan 4. The Bank updated the organizational structure based on the needs and
dan kompleksitas usaha yang dijalankan Bank serta menempatkan complexity of the business run by the Bank and has placed the Directors
Direksi sesuai dengan bidang tugasnya masing-masing; in accordance with their respective fields of duty;
5. Bank telah membentuk komite-komite yang menunjang pelaksanaan 5. The Bank established committees that supported the implementation
tugas Dewan Komisaris (Komite Audit, Komite Pemantau Risiko, Komite of the duties of the Board of Commissioners (Audit Committee, Risk
Nominasi dan Remunerasi, serta Komite Tata Kelola Terintegrasi) Monitoring Committee, Nomination and Remuneration Committee,
dimana seluruh anggotanya memiliki kompetensi pada bidang kerjanya and Integrated Governance Committee) where all members had
masing-masing sesuai dengan kebutuhan Bank serta telah menetapkan competence in their respective fields of work in accordance with the
program kerja yang akan dipergunakan dalam melaksanakan fungsinya; needs of the Bank and have determine the work program that would
be used in carrying out its functions;
6. Bank telah menetapkan pedoman benturan kepentingan guna 6. The Bank has established guidelines for conflict of interest in order
menangani potensi situasi benturan kepentingan yang dihadapi oleh to handle potential conflict of interest situations faced by every
setiap Pengurus dan pegawai Bank; Management and employee of the Bank;
7. Bank telah membentuk Satuan Kerja Audit Internal, Satuan Kerja 7. The Bank has established an Internal Audit Unit, Compliance Unit and
Kepatuhan dan Satuan Kerja Manajemen Risiko, dengan sumber daya Risk Management Unit, with competent human resources so that they
manusia yang kompeten sehingga mampu bekerja secara profesional are able to work professionally and independently of business and
dan independen terhadap unit kerja bisnis dan operasional; operational work units;
8. Bank telah menetapkan Kebijakan Audit Internal, Piagam Audit Intern 8. The Bank has established an Internal Audit Policy, Internal Audit
dan Standar Pelaksanaan Fungsi Audit Intern Bank (SPFAIB) sebagai Charter and Standards for the Implementation of the Bank's Internal
dasar dalam penerapan fungsi Audit Internal; Audit Function (SPFAIB) as the basis for implementing the Internal Audit
function;
9. Dalam rangka penunjukan Kantor Akuntan Publik dan Akuntan Publik 9. In order to appoint a Public Accountant Firm and a Public Accountant
telah sesuai dengan Peraturan Otoritas Jasa Keuangan dan peraturan in accordance with the Financial Services Authority Regulations and
perundang-undangan yang berlaku untuk melakukan audit terhadap applicable laws and regulations to audit the Bank's financial statements;
laporan keuangan Bank;
10. Bank telah memiliki kebijakan umum manajemen risiko dan penetapan 10. The Bank has a general risk management policy and an adequate risk
limit risiko yang memadai; limit setting;
11. Bank telah menetapkan kebijakan, sistem dan prosedur tertulis yang 11. The Bank has established adequate written policies, systems and
memadai dalam rangka penyediaan dana kepada pihak terkait dan juga procedures in the context of providing funds to related parties and also
penyediaan dana besar, berikut monitoring serta penanganan yang providing large funds, as well as monitoring and handling required in
diperlukan dalam hal terjadi Non Performing Loan; the event of Non-Performing Loans;
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Results of Self-Assessment Implementation of Governance
12. Bank telah menetapkan kebijakan umum yang terdiri dari Kebijakan Tata 12. The Bank has established general policies consisting of Bank Governance
Kelola Bank, Kebijakan Manajemen Risiko serta Kebijakan Pengendalian Policies, Risk Management Policies and Internal Control Policies to
Internal guna menunjang kegiatan usaha yang dijalankannya sehingga support the business activities it carries out so that every activity carried
setiap kegiatan yang dilaksanakan dapat mencerminkan suatu tata out can reflect a good governance;
kelola yang baik;
13. Bank telah memiliki kebijakan prosedur mengenai tata cara pelaksanaan 13. The Bank has a procedural policy regarding procedures for implementing
transparansi kondisi keuangan; transparency in financial conditions;
14. Bank telah menyusun Laporan Pelaksanaan Tata Kelola periode tahun 14. The Bank has prepared a Governance Implementation Report for the
2021 dimana cakupan Laporan Pelaksanaan Tata Kelola tersebut telah 2021 period where the scope of the Governance Implementation
sesuai dengan Peraturan Otoritas Jasa Keuangan; Report is in accordance with the Financial Services Authority Regulation;
15. Direksi telah menyusun Rencana Bisnis Bank secara realistis, 15. The Directors has prepared a realistic, comprehensive, measurable
komprehensif, terukur (achievable) atas dasar kajian yang komprehensif (achievable) Bank Business Plan based on a comprehensive study by
dengan memperhatikan peluang bisnis dan kekuatan yang dimiliki oleh taking into account the business opportunities and strengths of the
Bank serta mengidentifikasikan kelemahan dan ancaman dan telah Bank as well as identifying weaknesses and threats and in accordance
sesuai dengan visi dan misi serta rencana korporasi (corporate plan) with the vision and mission as well as the corporate plan) Banks.
Bank.
Faktor negatif aspek governance structure adalah: The negative factors in the governance structure aspect are:
Kegiatan Operasional Bank telah diatur dalam kebijakan, sistem, dan The Bank’s operational activities have been regulated in the Bank’s policies,
prosedur Bank, namun demikian masih terdapat beberapa ketentuan systems and procedures, however there are still several internal provisions
internal yang masih dalam proses pengkinian sehingga dapat berpotensi which are still in the process of being updated so there is a potential risk
risiko adanya kondisi perkembangan bisnis yang belum sesuai dengan of business development conditions not being in accordance with existing
ketentuan yang ada, Hal tersebut dikarenakan dalam pelaksanaan proses provisions. This is because the implementation of the updating process
pengkinian mengutamakan skala prioritas dari kebutuhan Bank. prioritizes priority scale of Bank needs.
B. Governance Process B. Governance Process
Faktor positif aspek governance process adalah: Positive factors aspects of governance process are:
1. Pengangkatan anggota Komite dilakukan oleh Direksi berdasarkan 1. The appointment of members of the Committee is carried out by
keputusan rapat Dewan Komisaris dengan mempertimbangkan the Directors based on the decision of the meeting of the Board of
rekomendasi Komite Nominasi dan Remunerasi; Commissioners taking into account the recommendations of the
Nomination and Remuneration Committee;
2. Direksi telah bertanggung jawab penuh atas pelaksanaan 2. The Directors has been fully responsible for the implementation of
kepengurusan Bank yang telah dijalankan selama tahun buku 2022 the Bank's management that has been carried out during the 2022
yang tercantum dalam Laporan Tahunan yang disampaikan kepada financial year as stated in the Annual Report submitted to shareholders
pemegang saham pada RUPS Tahunan; at the Annual GMS;
3. Direksi telah menindaklanjuti temuan dan rekomendasi dari hasil 3. The Directors has followed up the findings and recommendations from
pemeriksaan Satuan Kerja Audit Internal, auditor eksternal, hasil the results of the examination of the Internal Audit Work Unit, external
pengawasan otoritas yang berwenang melalui pemberian arahan auditors, and the results of the supervision of the competent authorities
terkait temuan dan rekomendasi tersebut kepada seluruh unit kerja by providing direction regarding the findings and recommendations to
terkait; all relevant work units;
4. Dalam melaksanakan tugas pengawasan, Dewan Komisaris telah 4. In carrying out its supervisory duties, the Board of Commissioners
mengarahkan, memantau dan mengevaluasi pelaksanaan kebijakan has directed, monitored and evaluated the implementation of the
strategis Bank melalui rapat gabungan antara Dewan Komisaris dan Bank's strategic policies through joint meetings between the Board
Direksi serta pelaksanaan pemantauan oleh Komite - Komite sebagai of Commissioners and the Directors as well as the implementation
alat kelengkapan Dewan Komisaris dengan memberikan rekomendasi of monitoring by the Committees as a complement to the Board of
kepada Direksi. Rapat tersebut dilakukan antara lain untuk memastikan Commissioners by providing recommendations to the Directors. The
terselenggaranya pelaksanaan prinsip-prinsip tata kelola yang baik meeting was held among others to ensure the implementation of good
dalam setiap kegiatan usaha Bank pada seluruh jenjang organisasi; governance principles in every business activity of the Bank at all levels
of the organization;
5. Seluruh kegiatan rapat Dewan Komisaris telah didokumentasikan 5. All activities of the Board of Commissioners' meetings have been
secara lengkap sebagai dasar evaluasi pelaksanaan hasil keputusan fully documented as a basis for evaluating the implementation of the
rapat; meeting decisions;
6. Dalam melakukan tugas pengawasan, Dewan Komisaris telah 6. In carrying out its supervisory duties, the Board of Commissioners has
mengarahkan, memantau dan mengevaluasi pelaksanaan kebijakan directed, monitored and evaluated the implementation of the Bank’s
strategis Bank melalui mekanisme rapat Dewan Komisaris yang pada strategic policies through the mechanism of Board of Commissioners
periode Januari - Juni 2023 telah dilaksanakan sebanyak 12 kali, dan meetings which in the period January - June 2023 were held 12 times,
rapat gabungan Dewan Komisaris dan Direksi sebanyak 16 kali; and joint meetings of the Board of Commissioners and Directors 16
times.;
7. Dewan Komisaris telah membentuk Komite Audit, Komite Pemantau 7. The Board of Commissioners has established the Audit Committee, Risk
Risiko, Komite Nominasi dan Remunerasi serta Komite Tata Kelola Monitoring Committee, Nomination and Remuneration Committee
Terintegrasi. Dan seluruh komite yang dibentuk sebagai alat and Integrated Governance Committee. And all committees that were
kelengkapan Dewan Komisaris telah menjalankan tugasnya secara formed as complements to the Board of Commissioners have carried
independen dan telah memberikan analisis yang memadai serta out their duties independently and have provided adequate analysis and
rekomendasi kepada Dewan Komisaris; recommendations to the Board of Commissioners;
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Hasil Penilaian Sendiri (Self Assessment) Penerapan Tata Kelola
Results of Self-Assessment Implementation of Governance
8. Rapat Komite-komite sebagai alat kelengkapan Dewan Komisaris 8. Meetings of the Committees as a complement to the Board of
telah diselenggarakan sesuai dengan kebutuhan Bank dan proses Commissioners have been held in accordance with the needs of the
pengambilan keputusan dalam setiap rapat yang dilaksanakan, telah Bank and the decision-making process in each meeting held has been
diambil berdasarkan musyawarah mufakat atau suara terbanyak dalam taken based on deliberation for consensus or a majority vote in the
hal tidak terjadi musyawarah mufakat; event that no consensus agreement occurs;
9. Satuan Kerja Kepatuhan telah membuat dan merumuskan strategi 9. The Compliance Work Unit has made and formulated a strategic step in
langkah-langkah dalam rangka mendukung terciptanya Budaya order to support the creation of a Compliance Culture;
Kepatuhan;
10. Satuan Kerja Kepatuhan telah melaksanakan review dan/atau 10. The Compliance Unit has reviewed and/or recommended updating and
merekomendasikan pengkinian dan penyempurnaan kebijakan, improving the Bank's policies, provisions, systems and procedures;
ketentuan, sistem maupun prosedur yang dimiliki oleh Bank;
11. Satuan Kerja Kepatuhan telah memastikan rancangan kebijakan, 11. The Compliance Unit has ensured that the draft policies, provisions,
ketentuan, sistem dan prosedur, serta kegiatan usaha Bank yang akan systems and procedures, as well as the Bank's business activities to be
diberlakukan telah sesuai dengan ketentuan Otoritas Jasa Keuangan, implemented are in accordance with the provisions of the Financial
Bank Indonesia dan peraturan perundangan-undangan yang berlaku; Services Authority, Bank Indonesia and the prevailing laws and
regulations;
12. Dalam rangka peningkatan fungsi quality assurance dan corrective 12. In order to improve the quality assurance and corrective action
action, Bank melalui satuan kerja terkait telah melakukan sosialisasi functions, the Bank through the relevant work units has conducted
pada seluruh jaringan kantor Bank mengenai Budaya Risiko, Budaya socialization to the entire Bank office network regarding Risk Culture,
Kepatuhan serta fraud awareness; Compliance Culture and fraud awareness;
13. Bank senantiasa melakukan penguatan Fungsi Kepatuhan khususnya 13. The Bank continues to strengthen the Compliance Function, especially
Budaya Kepatuhan melalui pelaksanaan kegiatan sosialisasi penerapan the Compliance Culture through the implementation of socialization
Budaya Kepatuhan, fungsi Quality Assurance dengan cara menetapkan activities on the implementation of the Compliance Culture, Quality
Compliance Sheet, bjb cyber cafe dan bjb AMOLA untuk dipergunakan Assurance function by establishing a Compliance Sheet, bjb cyber cafe
pada kegiatan operasional Bank sehingga kegiatan dimaksud dapat and bjb AMOLA to be used in the Bank's operational activities so that
dilakukan secara konsisten dan tetap memperhatikan prinsip-prinsip tata the said activities can be carried out consistently and with due regard
kelola yang baik serta azas-azas perbankan yang sehat; good governance principles and sound banking principles;
14. Satuan Kerja Kepatuhan dan Satuan Kerja Manajemen Risiko terlibat 14. The Compliance Unit and Risk Management Unit are actively involved in
aktif dalam penyusunan kebijakan dan prosedur Bank melalui the formulation of Bank policies and procedures through participation
kepesertaan dalam rapat teknis terkait penyusunan kebijakan dan in technical meetings related to the formulation of policies and
prosedur; procedures;
15. Pelaksanaan pemantauan dan penyampaian laporan atas komitmen 15. Monitoring and submission of reports on commitments made based
yang dibuat berdasarkan hasil pemeriksaan Otoritas Jasa Keuangan on the results of inspections by the Financial Services Authority and
serta pemeriksa lain yang berwenang dilaksanakan oleh Satuan Kerja other authorized auditors is carried out by the Compliance Work Unit
Kepatuhan secara berkala; periodically;
16. Satuan Kerja Audit Internal melakukan fungsi pengawasan secara 16. The Internal Audit Work Unit performs an independent supervisory
independen dengan cakupan tugas yang memadai dan sesuai dengan function with an adequate scope of duties and in accordance with the
rencana kerja, pelaksanaan maupun pemantauan hasil audit; work plan, implementation and monitoring of audit results;
17. Satuan Kerja Audit Internal telah melaporkan seluruh temuan hasil 17. The Internal Audit Unit has reported all audit findings in accordance
pemeriksaan sesuai ketentuan yang berlaku; with applicable regulations;
18. Satuan Kerja Audit Internal telah menyusun dan mengkinikan pedoman 18. The Internal Audit Unit has compiled and updated the Internal Auditor's
kerja Auditor Internal; work guidelines;
19. Penentuan penunjukan Akuntan Publik dan Kantor Akuntan Publik 19. Determination of the appointment of a Public Accountant and a Public
telah sesuai dengan ketentuan yang berlaku, dimana Akuntan Publik Accounting Firm is in accordance with the applicable provisions, where
dan Kantor Akuntan Publik terdaftar di Otoritas Jasa Keuangan; the Public Accountant and Public Accounting Firm are registered with
the Financial Services Authority;
20. Akuntan Publik dan Kantor Akuntan Publik yang ditunjuk, mampu 20. Public Accountants and Public Accounting Firms appointed, able
bekerja secara independen, memenuhi standar profesional akuntan to work independently, meet the professional standards of public
publik serta ruang lingkup audit yang ditetapkan; accountants as well as the defined audit scope;
21. Bank telah menetapkan prosedur di dalam melakukan proses 21. The Bank has established procedures for carrying out the process of
identifikasi, pengukuran, monitoring dan pengendalian risiko secara identifying, measuring, monitoring and controlling risks on a regular
berkala yang disesuaikan dengan kebutuhan bisnis Bank, dan basis that are tailored to the Bank’s business needs, and each type of
setiap jenis risiko melalui tools yang telah dikembangkan oleh Bank, risk through tools that have been developed by the Bank, including the
termasuk diantaranya yaitu Pedoman Profil Risiko dan ICCAP, Dimana Risk Profile and ICCAP Guidelines, which are regulated therein. Branch
didalamnya telah diatur Profil Risiko Kantor Cabang dan Profil Risiko Office Risk Profile and Regional Office Risk Profile;
Kantor Wilayah;
22. Bank telah menerapkan pengendalian intern yang menyeluruh serta 22. The Bank has implemented comprehensive and adequate internal
memadai, dimana pelaksanaan prinsip segregation of duties dan control, in which the implementation of the principle of segregation
konsep dual control telah melekat dalam kebijakan dan pedoman of duties and the concept of dual control has been embedded in
aktivitas operasional yang menjadi panduan pelaksanaan kegiatan the policies and guidelines for operational activities that guide the
operasional sehari – hari; implementation of daily operational activities;
23. Satuan Kerja Audit Internal, Satuan Kerja Kepatuhan dan Satuan 23. The Internal Audit Unit, the Compliance Unit and the Risk Management
Kerja Manajemen Risiko telah melaksanakan tugasnya sesuai dengan Work Unit have carried out their duties in accordance with applicable
ketentuan yang berlaku; regulations;
24. Pelaksanaan review atas kebijakan, sistem dan prosedur penyediaan 24. The review of policies, systems and procedures for providing funds to
dana kepada pihak terkait serta penyediaan dana besar telah related parties as well as providing large funds has been carried out
dilaksanakan secara berkala sesuai dengan ketentuan yang berlaku; periodically in accordance with applicable regulations;
25. Pengambilan keputusan dalam penyediaan dana diputuskan dalam 25. Decisions on the provision of funds are decided in a Committee Meeting
Rapat Komite yang dilakukan secara independen tanpa intervensi dari which is conducted independently without intervention from related
pihak terkait dan/atau pihak lainnya dengan mengedepankan prinsip parties and/or other parties by prioritizing the principle of prudence;
kehati-hatian;
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26. Bank telah menyusun laporan yang berkaitan dengan informasi 26. Banks have prepared reports related to financial and non-financial
keuangan dan non-keuangan secara transparan sebagaimana diatur information in a transparent manner as regulated in the Regulation of
dalam Peraturan Otoritas Jasa Keuangan; the Financial Services Authority;
27. Rencana Korporasi (Corporate Plan) dan Rencana Bisnis Bank (Business 27. The Corporate Plan and the Bank's Business Plan are prepared
Plan) disusun secara realistis dan telah memperhatikan seluruh faktor realistically and have taken into account all internal and external
internal dan eksternal, penerapan manajemen risiko, prinsip kehati- factors, risk management implementation, prudential principles and
hatian serta asas perbankan yang sehat dan telah disetujui oleh Dewan sound banking principles and have been approved by the Board of
Komisaris; Commissioners;
28. Direksi telah melaksanakan evaluasi terhadap pelaksanaan RBB secara 28. The Directors has evaluated the implementation of the RBB on a regular
berkala melalui kegiatan rapat Direksi ataupun rapat kerja wilayah. basis through the activities of the Directors meeting or regional work
meeting.
29. Bank telah menerapkan ISO 37001: 2016 Sistem Manajemen Anti 29. The Bank has implemented ISO 37001: 2016 Anti-Bribery Management
Penyuapan (SMAP), ISO 37301: 2021 Sistem Manajemen Kepatuhan System (SMAP), ISO 37301: 2021 Compliance Management System
(SMK), ISO 20000: 2018 dan ISO 27000: 2013 Sistem Keamanan (SMK), ISO 20000: 2018 and ISO 27000: 2013 Information Technology
Teknologi Informasi dan ISO 9001: 2015 Trade Processing Service fot Security System and ISO 9001: 2015 Trade Processing Service photo
Export Import. Export Import.
Faktor negatif aspek governance process adalah: Negative factors aspects of governance process are:
1. Pelaksanaan supervise/pengawasan atasan terhadap pegawai yang 1. The implementation of supervisory supervision over employees who are
menjadi kewenangannya dalam hal melaksanakan fungsi dan tugas under their authority in carrying out the functions and duties of each
masing-masing pegawai kiranya perlu melakukan penguatan kualitas employee may need to strengthen quality in order to prevent violations
guna mencegah adanya pelanggaran-pelanggaran terhadap ketentuan of internal and external regulations.
internal maupun eksternal.
2. Tingkat literasi pegawai dalam membaca ketentuan-ketentuan yang 2. The literacy level of employees in reading the applicable regulations to
berlaku guna mencegah terjadinya pelanggaran-pelanggaran terhadap prevent violations of internal and external regulations must be increased,
ketentuan internal maupun eksternal harus ditingkatkan, mengingat bearing in mind that there are still violations of operational activities
masih terdapat pelanggaran-pelanggaran kegiatan operasional yang that are not in accordance with internal and external regulations.
belum sesuai dengan ketentuan internal maupun eksternal.
C. Governance Outcome C. Governance Outcome
Faktor positif aspek governance outcome adalah: Positive factors aspects of governance outcome are:
1. Direksi telah mempertanggungjawabkan pelaksanaan tugasnya kepada 1. The Directors has accounted for the implementation of its duties to
pemegang saham melalui Rapat Umum Pemegang Saham (RUPS) dan shareholders through the General Meeting of Shareholders (GMS) and
seluruh pelaksanaan tugas dan tanggung jawab Direksi untuk tahun all the duties and responsibilities of the Directors for the financial year
buku 2022 telah diterima oleh RUPS; 2022 have been accepted by the GMS;
2. Dewan Komisaris beserta komite-komite dibawahnya telah 2. The Board of Commissioners and the committees under it have carried
melaksanakan tugas dan tanggung jawabnya dalam melakukan fungsi out their duties and responsibilities in carrying out their supervisory
pengawasan dengan baik. Hal ini dapat terlihat dari nasihat dan saran functions properly. This can be seen from the advice and suggestions
yang disampaikan Dewan Komisaris terhadap pelaksanaan proses submitted by the Board of Commissioners regarding the implementation
kegiatan usaha yang terdapat di Bank; of the business activity processes in the Bank;
3. Komite-Komite yang berada di bawah Dewan Komisaris telah 3. Committees under the Board of Commissioners have provided analysis
memberikan analisis dan rekomendasi kepada Dewan Komisaris. and recommendations to the Board of Commissioners. The analysis
Analisis dan Rekomendasi tersebut menjadi pertimbangan Dewan and recommendations are considered by the Board of Commissioners
Komisaris dalam rangka melaksanakan fungsi pengawasan terhadap in carrying out the supervisory function of the Bank's management
fungsi pengurusan Bank yang dilaksanakan oleh Direksi; functions carried out by the Directors;
4. Secara umum pencapaian RBB bank bjb telah menunjukkan kinerja 4. In general, the achievement of bank bjb's RBB has shown good
yang baik hal ini tercermin dari pencapaian target sebagai berikut: performance, this is reflected in the achievement of the following targets:
a) Realisasi Aset posisi 30 Juni 2023 mencapai sebesar Rp113,07 a) Realization of assets as of June 30 2023 reached IDR 113.07 trillion
Triliun atau 100,68% dari target yang ditetapkan sebesar or 100.68% of the target set at IDR 112.30 trillion;
Rp112,30 Triliun;
b) Realisasi Laba Bersih posisi 30 Juni 2023 mencapai sebesar b) Realized Net Profit as of June 30 2023 reached IDR 894.5 billion or
Rp894,5 Miliar atau 106,08% dari target yang ditetapkan sebesar 106.08% of the target set at IDR 843.3 billion;
Rp843,3 Miliar;
c) Realisasi NPL gross posisi 30 Juni 2023 adalah sebesar 1,22%, c) Realization of gross NPL as of June 30 2023 was 1.22%, better
lebih baik dari target yang ditetapkan sebelumnya sebesar 1,25%. than the previously set target of 1.25%.
5. Bank telah menyampaikan Laporan Pelaksanaan Tugas dan Tanggung 5. The Bank has submitted a Report on the Implementation of Duties and
Jawab Direktur Kepatuhan kepada Otoritas Jasa Keuangan secara Responsibilities of the Director of Compliance to the Financial Services
berkala sesuai dengan Peraturan Otoritas Jasa Keuangan; Authority on a regular basis in accordance with the Financial Services
Authority Regulation;
6. Direksi telah menyampaikan laporan mengenai kegiatan fungsi 6. The Directors has submitted a report on the activities of the internal
audit intern kepada para pemegang saham dalam laporan audit function to the shareholders in the accountability report of the
pertanggungjawaban Direksi pada RUPS Tahunan Tahun 2022 tanggal Directors at the 2022 Annual GMS on April 04, 2023;
04 April 2023;
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Hasil Penilaian Sendiri (Self Assessment) Penerapan Tata Kelola
Results of Self-Assessment Implementation of Governance
7. Satuan Kerja Audit Internal telah melaksanakan pemeriksaan sesuai 7. The Internal Audit Unit has carried out inspections in accordance with
dengan RKAT tahun 2023 dan pemantauan hasil audit dilakukan the 2023 RKAT and monitoring of audit results is carried out on an
secara berkesinambungan dimana penyelesaian untuk posisi Juni 2023 ongoing basis where the completion for the position in June 2023,
komitmen tindak lanjut atas hasil pemeriksaan tersebut telah mencapai the commitment to follow-up on the results of the audit has reached
100%; 100%;
8. Akuntan Publik dan Kantor Akuntan Publik telah bertindak objektif 8. Public Accountants and Public Accounting Firms have acted objectively
dalam melakukan audit serta hasil audit dan Management Letter telah in conducting audits and the results of the audit and Management
menggambarkan permasalahan Bank; Letter have described the Bank’s problems;
9. Hasil audit atas laporan keuangan per 31 Desember 2022 dan 9. The results of the audit of the financial statements as of December 31,
Management Letter telah menggambarkan permasalahan Bank yang 2022 and the Management Letter have described the Bank's significant
signifikan dan disampaikan secara tepat waktu kepada Otoritas Jasa problems and were submitted in a timely manner to the Financial
Keuangan; Services Authority;
10. Dewan Komisaris dan Direksi mampu melakukan pengawasan secara 10. The Board of Commissioners and the Directors are able to actively
aktif terhadap pelaksanaan kebijakan dan strategi Manajemen Risiko; supervise the implementation of Risk Management policies and
strategies;
11. Bank melaksanakan aktivitas bisnisnya sesuai dengan tingkat 11. The Bank carries out its business activities in accordance with the level
kompleksitas Bank serta mempertimbangkan tingkat risiko (eksposur of complexity of the Bank and considers the level of risk (risk exposure)
risiko) yang terdapat dalam aktivitas bisnis tersebut; contained in the business activity;
12. Laporan penyediaan dana kepada pihak terkait telah disajikan dalam 12. Reports on provision of funds to related parties have been presented
laporan BMPK dan disampaikan secara tepat waktu oleh Divisi in the LLL report and submitted in a timely manner by the Financial
Pengendalian Keuangan kepada Otoritas Jasa Keuangan; Control Division to the Financial Services Authority;
13. Bank telah menyusun laporan-laporan untuk disampaikan kepada pihak 13. The Bank has prepared reports to be submitted to internal and external
internal maupun pihak eksternal, di antaranya laporan Tingkat Kesehatan parties, including the Bank Soundness Level report, audit report and
Bank, laporan hasil audit dan laporan pelaksanaan tata kelola dengan governance implementation report with the scope of the report content
cakupan isi laporan berdasarkan ketentuan yang berlaku; based on applicable regulations;
14. Selama periode Januari - Juni 2023 tidak terdapat penyediaan dana 14. During the period January - June 2023, there is no provision of funds
yang melampaui BMPK; that exceeds the LLL;
15. Bank telah menyampaikan informasi keuangan dan non-keuangan 15. The Bank has submitted financial and non-financial information
secara transparan dan berkala melalui melalui media cetak maupun transparently and periodically through print and electronic media that
media elektronik yang dapat dengan mudah diakses oleh seluruh can be easily accessed by all stakeholders;
pemangku kepentingan;
16. Rencana Bisnis Bank yang disusun oleh Direksi telah disetujui oleh 16. The Bank's Business Plan prepared by the Directors has been approved
Dewan Komisaris; by the Board of Commissioners;
17. Realisasi rencana bisnis dan rencana korporasi disampaikan kepada 17. The realization of the business plan and corporate plan is submitted
para pemegang saham dalam Laporan Pertanggung Jawaban Direksi to the shareholders in the Directors' Accountability Report which is a
yang menjadi agenda rutin dalam RUPS Tahunan. routine agenda at the Annual GMS.
Faktor negatif aspek Governance Outcome adalah: Negative factors aspects of Governance Outcome are:
Selama periode Januari – Juni Tahun 2023, masih terdapat adanya sanksi During the period January - June 2023, there will still be fines due to
denda akibat pelanggaran ketentuan regulator, selain itu masih terdapat violations of regulatory provisions, apart from that there are still frauds
fraud yang terjadi di Bank. occurring at the Bank.
Hasil Self Assessment Periode Juli - Desember 2023 Self Assessment Results for the Period July - December 2023
Hasil Penilaian Sendiri (Self Assessment) Penerapan Tata Kelola
Results of Self-Assessment Implementation of Governance
PERINGKAT DEFINISI PERINGKAT
RANK RANK DEFINITIONS
Mencerminkan Manajemen Bank telah melakukan penerapan Tata Kelola yang secara umum sangat baik. Hal ini
tercermin dari pemenuhan yang sangat memadai atas prinsip Tata Kelola. Dalam hal terdapat kelemahan penerapan
prinsip Tata Kelola, secara umum kelemahan tersebut tidak signifikan dan dapat segera dilakukan perbaikan oleh
manajemen Bank.
Individual 1
Reflects that Bank Management has implemented Governance which is generally very good. This is reflected in
the very adequate fulfillment of Governance principles. In the event that there are weaknesses in the application of
Governance principles, in general these weaknesses are not significant and can be immediately corrected by Bank
management.
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Kesimpulan: Conclusion:
Berdasarkan analisis terhadap seluruh kriteria atau indikator penilaian Based on the analysis of all the assessment criteria or indicators mentioned
tersebut di atas, disimpulkan bahwa: above, it was concluded that:
A. Governance Structure a. Governance Structure
Faktor positif aspek governance structure adalah: Positive factors aspects of governance structure are:
1. Jumlah anggota Dewan Komisaris dan anggota Direksi Bank telah 1. The number of members of the Board of Commissioners and members
memenuhi jumlah minimum yang harus dipenuhi oleh Bank sesuai of the Directors of the Bank had met the minimum number that had to
Peraturan Otoritas Jasa Keuangan dan seluruhnya berdomisili di be met by the Bank in accordance with the Regulations of the Financial
Indonesia; Services Authority and all of them were domiciled in Indonesia;
2. Dewan Komisaris dan Anggota Direksi Bank memiliki integritas, 2. The Board of Commissioners and Members of the Directors of the Bank
kompetensi dan reputasi keuangan yang baik. Hal tersebut dapat had integrity, competence and good financial reputation. This could be
dilihat dari hasil penilaian kemampuan dan kepatutan oleh Otoritas seen from the results of the fit and proper test by the Financial Services
Jasa Keuangan dimana Dewan Komisaris dan anggota Direksi telah Authority where the Board of Commissioners and members of the
dinyatakan lulus dan tidak pernah terlibat kasus hukum; Directors passed and had never been involved in a legal case;
3. Seluruh anggota Dewan Komisaris dan Direksi Bank tidak saling 3. All members of the Board of Commissioners and Directors of the Bank did
memiliki hubungan keluarga sampai derajat kedua dengan sesama not have family relations to the second degree with fellow members of the
anggota Dewan Komisaris dan/atau Direksi; Board of Commissioners and/or Directors;
4. Bank telah mengkinikan struktur organisasi berdasarkan kebutuhan 4. The Bank updated the organizational structure based on the needs and
dan kompleksitas usaha yang dijalankan Bank serta menempatkan complexity of the business run by the Bank and has placed the Directors
Direksi sesuai dengan bidang tugasnya masing-masing; in accordance with their respective fields of duty;
5. Dalam pengkinian struktur organisasi Bank telah melakukan beberapa 5. In updating the organizational structure, the Bank has done several
hal sebagai upaya penguatan sistem pengendalian internal diantaranya things to strengthen the internal control system, including establishing
membentuk Divisi IT Security, melakukan pemisahan Satuan Kerja an IT Security Division, separating the Risk Management Work Unit
Manajemen Risiko menjadi 2 yaitu Divisi Manajemen Risiko Kredit, into 2, namely the Credit, Market & Integrated Risk Management and
Pasar & Terintegrasi dan Manajemen Risiko Operasional serta Operational Risk Management Divisions and transferring the authority
melakukan pemindahan kewenangan fungsi Kontrol Internal Wilayah of the Control function. Regional Internal and Branch Internal Control
dan Kontrol Internal Cabang di bawah kewenangan Divisi Manajemen are under the authority of the Operational Risk Management Division
Risiko Operasional yang berada pada Direktorat Kepatuhan Dimana under the Compliance Directorate. Previously under the authority of the
sebelumnya di bawah kewenangan Satuan Kerja Audit Internal yang Internal Audit Work Unit under the Main Directorate;
berada pada Direktorat Utama;
6. Bank telah menetapkan pedoman benturan kepentingan guna 6. The Bank has established guidelines for conflict of interest in order
menangani potensi situasi benturan kepentingan yang dihadapi oleh to handle potential conflict of interest situations faced by every
setiap Pengurus dan pegawai Bank; Management and employee of the Bank;
7. Bank telah membentuk Satuan Kerja Audit Internal, Satuan Kerja 7. The Bank has established an Internal Audit Unit, Compliance Unit and
Kepatuhan dan Satuan Kerja Manajemen Risiko, dengan sumber daya Risk Management Unit, with competent human resources so that they
manusia yang kompeten sehingga mampu bekerja secara profesional are able to work professionally and independently of business and
dan independen terhadap unit kerja bisnis dan operasional; operational work units;
8. Bank telah menetapkan Kebijakan Audit Internal, Piagam Audit Intern 8. The Bank has established an Internal Audit Policy, Internal Audit
dan Standar Pelaksanaan Fungsi Audit Intern Bank (SPFAIB) sebagai Charter and Standards for the Implementation of the Bank's Internal
dasar dalam penerapan fungsi Audit Internal; Audit Function (SPFAIB) as the basis for implementing the Internal Audit
function;
9. Dalam rangka penunjukan Kantor Akuntan Publik dan Akuntan Publik 9. In order to appoint a Public Accountant Firm and a Public Accountant
telah sesuai dengan Peraturan Otoritas Jasa Keuangan dan peraturan in accordance with the Financial Services Authority Regulations and
perundang-undangan yang berlaku untuk melakukan audit terhadap applicable laws and regulations to audit the Bank's financial statements;
laporan keuangan Bank;
10. Bank telah memiliki kebijakan umum manajemen risiko dan penetapan 10. The Bank has a general risk management policy and an adequate risk
limit risiko yang memadai; limit setting;
11. Bank telah menetapkan kebijakan, sistem dan prosedur tertulis yang 11. The Bank has established adequate written policies, systems and
memadai dalam rangka penyediaan dana kepada pihak terkait dan juga procedures in the context of providing funds to related parties and also
penyediaan dana besar, berikut monitoring serta penanganan yang providing large funds, as well as monitoring and handling required in
diperlukan dalam hal terjadi Non Performing Loan; the event of Non-Performing Loans;
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12. Bank telah menetapkan kebijakan umum yang terdiri dari Kebijakan Tata 12. The Bank has established general policies consisting of Bank Governance
Kelola Bank, Kebijakan Manajemen Risiko serta Kebijakan Pengendalian Policies, Risk Management Policies and Internal Control Policies to
Internal guna menunjang kegiatan usaha yang dijalankannya sehingga support the business activities it carries out so that every activity carried
setiap kegiatan yang dilaksanakan dapat mencerminkan suatu tata out can reflect a good governance;
kelola yang baik;
13. Bank telah memiliki kebijakan prosedur mengenai tata cara pelaksanaan 13. The Bank has a procedural policy regarding procedures for implementing
transparansi kondisi keuangan; transparency in financial conditions;
14. Bank telah menyusun Laporan Pelaksanaan Tata Kelola periode tahun 14. The Bank has prepared a Governance Implementation Report for the
2022 dimana cakupan Laporan Pelaksanaan Tata Kelola tersebut telah 2022 period where the scope of the Governance Implementation
sesuai dengan Peraturan Otoritas Jasa Keuangan; Report is in accordance with the Financial Services Authority Regulation;
15. Direksi telah menyusun Rencana Bisnis Bank secara realistis, 15. The Directors has prepared a realistic, comprehensive, measurable
komprehensif, terukur (achievable) atas dasar kajian yang komprehensif (achievable) Bank Business Plan based on a comprehensive study by
dengan memperhatikan peluang bisnis dan kekuatan yang dimiliki oleh taking into account the business opportunities and strengths of the
Bank serta mengidentifikasikan kelemahan dan ancaman dan telah Bank as well as identifying weaknesses and threats and in accordance
sesuai dengan visi dan misi serta rencana korporasi (corporate plan) with the vision and mission as well as the corporate plan) Banks.
Bank.
Faktor negatif aspek governance structure adalah: The negative factors in the governance structure aspect are:
Kegiatan Operasional Bank telah diatur dalam kebijakan, sistem, dan Bank Operational Activities have been regulated in Bank policies, systems
prosedur Bank, namun demikian masih terdapat beberapa ketentuan and procedures, however there are still several internal provisions that need
internal yang perlu dilakukan pengkinian ataupun penyusunan yaitu to be updated or drafted, namely 177 internal provisions or 42% of the total
sebanyak 177 ketentuan internal atau sebesar 42% dari total sebanyak of 424 existing Bank internal provisions in 2023, so that they can There is
424 ketentuan internal Bank existing pada tahun 2023, sehingga dapat a potential risk that the Bank’s business & operational conditions are not in
berpotensi risiko adanya kondisi bisnis & operasional Bank yang belum sesuai accordance with existing regulations. The process of updating provisions is
dengan ketentuan yang ada. Pelaksanaan proses pengkinian ketentuan carried out on a priority scale according to the Bank’s needs.
dilaksanakan dengan skala prioritas sesuai kebutuhan Bank.
B. Governance Process B. Governance Process
Faktor positif aspek governance process adalah: Positive factors aspects of governance process are:
1. Pengangkatan anggota Komite dilakukan oleh Direksi berdasarkan 1. The appointment of members of the Committee is carried out by
keputusan rapat Dewan Komisaris dengan mempertimbangkan the Directors based on the decision of the meeting of the Board of
rekomendasi Komite Nominasi dan Remunerasi; Commissioners taking into account the recommendations of the
Nomination and Remuneration Committee;
2. Direksi telah bertanggung jawab penuh atas pelaksanaan 2. The Directors has been fully responsible for the implementation of
kepengurusan Bank yang telah dijalankan selama tahun buku 2021 the Bank's management that has been carried out during the 2021
yang tercantum dalam Laporan Tahunan yang disampaikan kepada financial year as stated in the Annual Report submitted to shareholders
pemegang saham pada RUPS Tahunan; at the Annual GMS;
3. Direksi telah menindaklanjuti temuan dan rekomendasi dari hasil 3. The Directors has followed up the findings and recommendations from
pemeriksaan Satuan Kerja Audit Internal, auditor eksternal, hasil the results of the examination of the Internal Audit Work Unit, external
pengawasan otoritas yang berwenang melalui pemberian arahan auditors, and the results of the supervision of the competent authorities
terkait temuan dan rekomendasi tersebut kepada seluruh unit kerja by providing direction regarding the findings and recommendations to
terkait; all relevant work units;
4. Dalam melaksanakan tugas pengawasan, Dewan Komisaris telah 4. In carrying out its supervisory duties, the Board of Commissioners
mengarahkan, memantau dan mengevaluasi pelaksanaan kebijakan has directed, monitored and evaluated the implementation of the
strategis Bank melalui rapat gabungan antara Dewan Komisaris dan Bank's strategic policies through joint meetings between the Board
Direksi serta pelaksanaan pemantauan oleh Komite - Komite sebagai of Commissioners and the Directors as well as the implementation
alat kelengkapan Dewan Komisaris dengan memberikan rekomendasi of monitoring by the Committees as a complement to the Board of
kepada Direksi. Rapat tersebut dilakukan antara lain untuk memastikan Commissioners by providing recommendations to the Directors. The
terselenggaranya pelaksanaan prinsip-prinsip tata kelola yang baik meeting was held among others to ensure the implementation of good
dalam setiap kegiatan usaha Bank pada seluruh jenjang organisasi; governance principles in every business activity of the Bank at all levels
of the organization;
5. Seluruh kegiatan rapat Dewan Komisaris telah didokumentasikan 5. All activities of the Board of Commissioners' meetings have been
secara lengkap sebagai dasar evaluasi pelaksanaan hasil keputusan fully documented as a basis for evaluating the implementation of the
rapat; meeting decisions;
6. Dalam melakukan tugas pengawasan, Dewan Komisaris telah 6. In carrying out supervisory duties, the Board of Commissioners has
mengarahkan, memantau dan mengevaluasi pelaksanaan kebijakan directed, monitored and evaluated the implementation of the Bank's
strategis Bank melalui mekanisme rapat Dewan Komisaris yang pada strategic policies through the mechanism of the Board of Commissioners'
periode Juli - Desember 2022 telah dilaksanakan sebanyak 7 kali dan meetings which in the period July - December 2022 have been held 7
rapat gabungan Dewan Komisaris dan Direksi sebanyak 18 kali; times and joint meetings of the Board of Commissioners and Directors
18 times;
7. Dewan Komisaris telah membentuk Komite Audit, Komite Pemantau 7. The Board of Commissioners has established the Audit Committee, Risk
Risiko, Komite Nominasi dan Remunerasi serta Komite Tata Kelola Monitoring Committee, Nomination and Remuneration Committee
Terintegrasi. Dan seluruh komite yang dibentuk sebagai alat and Integrated Governance Committee. And all committees that were
kelengkapan Dewan Komisaris telah menjalankan tugasnya secara formed as complements to the Board of Commissioners have carried
independen dan telah memberikan analisis yang memadai serta out their duties independently and have provided adequate analysis and
rekomendasi kepada Dewan Komisaris; recommendations to the Board of Commissioners;
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8. Rapat Komite-komite sebagai alat kelengkapan Dewan Komisaris 8. Meetings of the Committees as a complement to the Board of
telah diselenggarakan sesuai dengan kebutuhan Bank dan proses Commissioners have been held in accordance with the needs of the
pengambilan keputusan dalam setiap rapat yang dilaksanakan, telah Bank and the decision-making process in each meeting held has been
diambil berdasarkan musyawarah mufakat atau suara terbanyak dalam taken based on deliberation for consensus or a majority vote in the
hal tidak terjadi musyawarah mufakat; event that no consensus agreement occurs;
9. Satuan Kerja Kepatuhan telah membuat dan merumuskan strategi 9. The Compliance Work Unit has made and formulated a strategic step in
langkah-langkah dalam rangka mendukung terciptanya Budaya order to support the creation of a Compliance Culture;
Kepatuhan;
10. Satuan Kerja Kepatuhan telah melaksanakan review dan/atau 10. The Compliance Unit has reviewed and/or recommended updating and
merekomendasikan pengkinian dan penyempurnaan kebijakan, improving the Bank's policies, provisions, systems and procedures;
ketentuan, sistem maupun prosedur yang dimiliki oleh Bank;
11. Satuan Kerja Kepatuhan telah memastikan rancangan kebijakan, 11. The Compliance Unit has ensured that the draft policies, provisions,
ketentuan, sistem dan prosedur, serta kegiatan usaha Bank yang akan systems and procedures, as well as the Bank's business activities to be
diberlakukan telah sesuai dengan ketentuan Otoritas Jasa Keuangan, implemented are in accordance with the provisions of the Financial
Bank Indonesia dan peraturan perundangan-undangan yang berlaku; Services Authority, Bank Indonesia and the prevailing laws and
regulations;
12. Dalam rangka peningkatan fungsi quality assurance dan corrective 12. In order to improve the quality assurance and corrective action
action, Bank melalui satuan kerja terkait telah melakukan sosialisasi functions, the Bank through the relevant work units has conducted
pada seluruh jaringan kantor Bank mengenai Budaya Risiko, Budaya socialization to the entire Bank office network regarding Risk Culture,
Kepatuhan serta fraud awareness; Compliance Culture and fraud awareness;
13. Bank senantiasa melakukan penguatan Fungsi Kepatuhan khususnya 13. The Bank always strengthens the Compliance Function, especially the
Budaya Kepatuhan melalui pelaksanaan kegiatan sosialisasi penerapan Compliance Culture, through the implementation of socialization
Budaya Kepatuhan, fungsi Quality Assurance dengan cara menetapkan activities on the implementation of the Compliance Culture, the Quality
Compliance Sheet, bjb Sipatuh, KMS (Knowledge Management System) Assurance function by establishing a Compliance Sheet, bjb Sipatuh,
dan bjb AMOLA untuk dipergunakan pada kegiatan operasional Bank KMS (Knowledge Management System) and bjb AMOLA to be used in
sehingga kegiatan dimaksud dapat dilakukan secara konsisten dan tetap the Bank’s operational activities so that the activities in question can be
memperhatikan prinsip-prinsip Tata Kelola yang baik serta azas-azas implemented. carried out consistently and still paying attention to the
perbankan yang sehat; principles of good governance and the principles of healthy banking;
14. Satuan Kerja Kepatuhan dan Satuan Kerja Manajemen Risiko terlibat 14. The Compliance Unit and Risk Management Unit are actively involved in
aktif dalam penyusunan kebijakan dan prosedur Bank melalui the formulation of Bank policies and procedures through participation
kepesertaan dalam rapat teknis terkait penyusunan kebijakan dan in technical meetings related to the formulation of policies and
prosedur; procedures;
15. Pelaksanaan pemantauan dan penyampaian laporan atas komitmen 15. Monitoring and submission of reports on commitments made based
yang dibuat berdasarkan hasil pemeriksaan Otoritas Jasa Keuangan on the results of inspections by the Financial Services Authority and
serta pemeriksa lain yang berwenang dilaksanakan oleh Satuan Kerja other authorized auditors is carried out by the Compliance Work Unit
Kepatuhan secara berkala; periodically;
16. Satuan Kerja Audit Internal melakukan fungsi pengawasan secara 16. The Internal Audit Work Unit performs an independent supervisory
independen dengan cakupan tugas yang memadai dan sesuai dengan function with an adequate scope of duties and in accordance with the
rencana kerja, pelaksanaan maupun pemantauan hasil audit; work plan, implementation and monitoring of audit results;
17. Satuan Kerja Audit Internal telah melaporkan seluruh temuan hasil 17. The Internal Audit Unit has reported all audit findings in accordance
pemeriksaan sesuai ketentuan yang berlaku; with applicable regulations;
18. Satuan Kerja Audit Internal telah menyusun dan mengkinikan pedoman 18. The Internal Audit Unit has compiled and updated the Internal Auditor's
kerja Auditor Internal; work guidelines;
19. Penentuan penunjukan Akuntan Publik dan Kantor Akuntan Publik 19. Determination of the appointment of a Public Accountant and a Public
telah sesuai dengan ketentuan yang berlaku, dimana Akuntan Publik Accounting Firm is in accordance with the applicable provisions, where
dan Kantor Akuntan Publik terdaftar di Otoritas Jasa Keuangan; the Public Accountant and Public Accounting Firm are registered with
the Financial Services Authority;
20. Akuntan Publik dan Kantor Akuntan Publik yang ditunjuk, mampu 20. Public Accountants and Public Accounting Firms appointed, able
bekerja secara independen, memenuhi standar profesional akuntan to work independently, meet the professional standards of public
publik serta ruang lingkup audit yang ditetapkan; accountants as well as the defined audit scope;
21. Bank telah menetapkan prosedur di dalam melakukan proses 21. The Bank has established procedures in conducting the risk identification,
identifikasi, pengukuran, monitoring dan pengendalian risiko secara measurement, monitoring and control process on a regular basis which
berkala yang disesuaikan dengan kebutuhan bisnis Bank, dan setiap is adjusted to the Bank's business needs, and each type of risk through
jenis risiko melalui tools yang telah dikembangkan oleh Bank, termasuk tools that have been developed by the Bank, including among others
di antaranya yaitu Pedoman Profil Risiko Cabang dan Profil Risiko the Guidelines for Branch Risk Profiles and Regional Risk Profiles;
Wilayah;
22. Bank telah menerapkan pengendalian intern yang menyeluruh serta 22. The Bank has implemented comprehensive and adequate internal
memadai, dimana pelaksanaan prinsip segregation of duties dan control, in which the implementation of the principle of segregation
konsep dual control telah melekat dalam kebijakan dan pedoman of duties and the concept of dual control has been embedded in
aktivitas operasional yang menjadi panduan pelaksanaan kegiatan the policies and guidelines for operational activities that guide the
operasional sehari – hari; implementation of daily operational activities;
23. Satuan Kerja Audit Internal, Satuan Kerja Kepatuhan dan Satuan 23. The Internal Audit Unit, the Compliance Unit and the Risk Management
Kerja Manajemen Risiko telah melaksanakan tugasnya sesuai dengan Work Unit have carried out their duties in accordance with applicable
ketentuan yang berlaku; regulations;
24. Pelaksanaan review atas kebijakan, sistem dan prosedur penyediaan 24. The review of policies, systems and procedures for providing funds to
dana kepada pihak terkait serta penyediaan dana besar telah related parties as well as providing large funds has been carried out
dilaksanakan secara berkala sesuai dengan ketentuan yang berlaku; periodically in accordance with applicable regulations;
25. Pengambilan keputusan dalam penyediaan dana diputuskan dalam 25. Decisions on the provision of funds are decided in a Committee Meeting
Rapat Komite yang dilakukan secara independen tanpa intervensi dari which is conducted independently without intervention from related
pihak terkait dan/atau pihak lainnya dengan mengedepankan prinsip parties and/or other parties by prioritizing the principle of prudence;
kehati-hatian;
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TATA KELOLA
PERUSAHAAN
Hasil Penilaian Sendiri (Self Assessment) Penerapan Tata Kelola
Results of Self-Assessment Implementation of Governance
26. Bank telah menyusun laporan yang berkaitan dengan informasi 26. Banks have prepared reports related to financial and non-financial
keuangan dan non-keuangan secara transparan sebagaimana diatur information in a transparent manner as regulated in the Regulation of
dalam Peraturan Otoritas Jasa Keuangan; the Financial Services Authority;
27. Rencana Korporasi (Corporate Plan) dan Rencana Bisnis Bank (Business 27. The Corporate Plan and the Bank's Business Plan are prepared
Plan) disusun secara realistis dan telah memperhatikan seluruh faktor realistically and have taken into account all internal and external
internal dan eksternal, penerapan manajemen risiko, prinsip kehati- factors, risk management implementation, prudential principles and
hatian serta asas perbankan yang sehat dan telah disetujui oleh Dewan sound banking principles and have been approved by the Board of
Komisaris; Commissioners;
28. Direksi telah melaksanakan evaluasi terhadap pelaksanaan RBB secara 28. The Directors has evaluated the implementation of the RBB on a regular
berkala melalui kegiatan rapat Direksi ataupun rapat kerja wilayah. basis through the activities of the Directors meeting or regional work
meeting.
29. Dalam rangka penguatan pelaksanaan penerapan tata kelola yang 29. In order to strengthen the implementation of good governance, the
baik, Bank telah menerapkan ISO, dengan rincian sebagai berikut: Bank has implemented ISO, with the following details:
a. ISO 37001 :2016 Sistem Manajemen Anti Penyuapan (SMAP) a. ISO 37001 :2016 Anti-Bribery Management System (SMAP) in
pada segmen komersial dan korporasi di Kantor Pusat dan Kantor the commercial and corporate segments at the Head Office and
Cabang Utama Bandung serta proses pengadaan barang/jasa di Main Branch Office in Bandung as well as the goods/services
Kantor Pusat; procurement process at the Head Office;
b. ISO 37301: 2021 Sistem Manajemen Kepatuhan (SMK) pada b. ISO 37301: 2021 Compliance Management System (SMK) in the
segmen kredit komersial dan korporasi di Kantor Pusat dan Kantor commercial and corporate credit segments at the Head Office and
Cabang Utama Bandung serta penerapan Fungsi Kepatuhan pada Main Branch Office in Bandung as well as the implementation of
Divisi Kepatuhan & APU PPT; the Compliance Function in the Compliance & APU PPT Division;
c. ISO/IEC 27001 : 2022 The Information Security Management c. ISO/IEC 27001 : 2022 The Information Security Management
Systems in the Provision of IT Operation for DIG/ by bank bjb Systems in the Provision of IT Operation for DIG/ by bank bjb
(Mobile Banking, SMS Banking, Internet Banking), bjb DigiCash, (Mobile Banking, SMS Banking, Internet Banking), bjb DigiCash,
bank bjb e-KYC and e-Procurement bank bjb applications; bank bjb e-KYC and e-Procurement bank bjb applications;
d. ISO/IEC 20000-1 : 2018 The service management system of d. ISO/IEC 20000-1 : 2018 The service management system of
Information Technology Division that delivers Internet Banking, Information Technology Division that delivers Internet Banking,
Mobile Banking, SMS Banking and bjb DigiCash Services to Digital Mobile Banking, SMS Banking and bjb DigiCash Services to Digital
Banking Division in accordance with the latest service catalogue; Banking Division in accordance with the latest service catalogue;
e. ISO 9001 : 2015 Trade Processing Service for Export Import. e. ISO 9001 : 2015 Trade Processing Service for Export Import.
30. Dalam rangka penguatan sistem pengendalian internal Bank telah 30. In order to strengthen the internal control system, the Bank has
melakukan peningkatan fungsi second line melalui optimalisasi peran improved the second line function by optimizing the role and function
dan fungsi Kontrol Internal Cabang dan Kontrol Internal Wilayah of Branch Internal Control and Regional Internal Control, one of which
dimana salah satunya yaitu melakukan review implementasi fungsi is reviewing the implementation of compliance and risk management
kepatuhan dan manajamen risiko pada Kantor Cabang dan Kantor functions at Branch Offices and Regional Offices;
Wilayah;
31. Dalam rangka menunjang mewujudkan penerapan Tata Kelola Bank 31. In order to support the implementation of good Bank Governance from
yang baik dari sisi proses Bank telah memiliki beberapa sistem aplikasi a process perspective, the Bank has several application systems to
untuk mendukung hal tersebut diantaranya: support this, including:
a. FDS (Fraud Detection System) adalah aplikasi untuk mendeteksi a. FDS (Fraud Detection System) is an application to detect suspicious
pola transaksi mencurigakan kemudian memberikan alert kepada transaction patterns and then provide alerts to users for review and
user untuk ditinjau dan ditindaklanjuti; follow-up;
b. bjb AMOLA adalah aplikasi yang dirancang untuk memantau b. bjb AMOLA is an application designed to monitor service users and
pengguna jasa dan transaksi yang patut diduga terkait APU PPT; transactions that are suspected to be related to APU PPT;
c. E-Procurement adalah aplikasi yang digunakan didalam proses c. E-Procurement is an application used in the process of procuring
pengadaan barang dan jasa; goods and services;
d. bjb LMS adalah aplikasi yang digunakan pada seluruh segmen d. bjb LMS is an application used in all credit segments, from the
kredit, dari proses analisa kredit hingga pencairan kredit bjb; credit analysis process to bjb credit disbursement;
e. KMS (Knowledge Management System) adalah aplikasi yang dapat e. KMS (Knowledge Management System) is an application that can
digunakan untuk mengakses ketentuan - ketentuan internal yang be used to access the internal provisions that apply at bank bjb;
berlaku di bank bjb; f. bjb Whistle Blowing System is an application for reporting acts
f. bjb Whistle Blowing System adalah aplikasi pelaporan adanya of non-compliance, which guarantees the confidentiality of the
tindakan ketidakpatuhan, yang menjamin kerahasiaan pelapornya; reporter;
g. bjb SiPatuh adalah aplikasi yang dapat digunakan dalam proses g. bjb SiPatuh is an application that can be used in the process of
monitoring kewajiban pelaporan, monitoring rasio-rasio, SLA monitoring reporting obligations, monitoring ratios, SLA Review of
Pengkajian Kebijakan dan Prosedur, dan penyampaian notifikasi Policies and Procedures, and delivering notifications of the latest
ketentuan eksternal terbaru kepada unit kerja; external provisions to work units;
h. Elbu adalah aplikasi yang digunakan dalam proses pembelajaran; h. Elbu is an application used in the learning process;
i. bjb digi adalah aplikasi yang memberikan layanan digitalisasi i. bjb digi is an application that provides digitalization services
terkait transaksi keuangan. related to financial transactions.
Faktor negatif aspek governance process adalah: Negative factors aspects of governance process are:
Pelaksanaan supervisi/pengawasan atasan terhadap pegawai yang menjadi The implementation of supervision/supervision by superiors over employees
kewenangannya dalam hal pelaksanaan fungsi dan tugas masing-masing who are under their authority in terms of carrying out the functions and
pegawai kiranya perlu dilakukan peningkatan kualitas pengawasan/penye- duties of each employee would need to improve the quality of supervision/
liaan guna mencegah adanya pelanggaran-pelanggaran terhadap ketentuan supervision in order to prevent violations of internal and external regulations.
internal maupun eksternal.
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Hasil Penilaian Sendiri (Self Assessment) Penerapan Tata Kelola
Results of Self-Assessment Implementation of Governance
C. Governance Outcome C. Governance Outcome
Faktor positif aspek governance outcome adalah: Positive factors aspects of governance outcome are:
1. Direksi telah mempertanggungjawabkan pelaksanaan tugasnya kepada 1. The Directors has accounted for the implementation of its duties to
pemegang saham melalui Rapat Umum Pemegang Saham (RUPS) dan shareholders through the General Meeting of Shareholders (GMS) and
seluruh pelaksanaan tugas dan tanggung jawab Direksi untuk tahun all the duties and responsibilities of the Directors for the financial year
buku 2022 telah diterima oleh RUPS; 2022 have been accepted by the GMS;
2. Dewan Komisaris beserta komite-komite dibawahnya telah 2. The Board of Commissioners and the committees under it have carried
melaksanakan tugas dan tanggung jawabnya dalam melakukan fungsi out their duties and responsibilities in carrying out their supervisory
pengawasan dengan baik. Hal ini dapat terlihat dari nasihat dan saran functions properly. This can be seen from the advice and suggestions
yang disampaikan Dewan Komisaris terhadap pelaksanaan proses submitted by the Board of Commissioners regarding the implementation
kegiatan usaha yang terdapat di Bank; of the business activity processes in the Bank;
3. Komite-Komite yang berada dibawah Dewan Komisaris telah 3. Committees under the Board of Commissioners have provided analysis
memberikan analisis dan rekomendasi kepada Dewan Komisaris. and recommendations to the Board of Commissioners. The analysis
Analisis dan Rekomendasi tersebut menjadi pertimbangan Dewan and recommendations are considered by the Board of Commissioners
Komisaris dalam rangka melaksanakan fungsi pengawasan terhadap in carrying out the supervisory function of the Bank’s management
fungsi pengurusan Bank yang dilaksanakan oleh Direksi; functions carried out by the Directors;
4. Secara umum pertumbuhan kinerja bank bjb telah menunjukkan 4. In general, bank bjb’s performance growth has shown good performance,
kinerja yang baik hal ini tercermin dari pertumbuhan aset posisi 31 this is reflected in the growth of assets as of 31 December 2023
Desember 2023 (unaudited) mencapai sebesar Rp176,66 Triliun dan (unaudited) reaching IDR 176.66 trillion and an increase of 3.71% or
naik sebesar 3,71 % atau tumbuh sebesar Rp6,3 Triliun dari tahun lalu growth of IDR 6.3 trillion from last year and recorded a net profit on
dan mencatatkan laba bersih pada 31 Desember 2023 (unaudited) 31 December 2023 (unaudited) of IDR 1.81 trillion with an average
sebesar Rp1,81 Triliun dengan rata-rata pertumbuhan bulanan laba monthly growth in net profit during 2023 of 6.2%, greater than last
bersih selama tahun 2023 yaitu sebesar 6,2% lebih besar dari tahun year’s 2.9%;
lalu yang sebesar 2,9%; 5. The Bank has submitted a Report on the Implementation of Duties and
5. Bank telah menyampaikan Laporan Pelaksanaan Tugas dan Tanggung Responsibilities of the Director of Compliance to the Financial Services
Jawab Direktur Kepatuhan kepada Otoritas Jasa Keuangan secara Authority on a regular basis in accordance with the Financial Services
berkala sesuai dengan Peraturan Otoritas Jasa Keuangan; Authority Regulation;
6. Direksi telah menyampaikan laporan mengenai kegiatan fungsi 6. The Board of Directors has submitted a report on the activities of the
audit intern kepada para pemegang saham dalam laporan internal audit function to shareholders in the accountability report of
pertanggungjawaban Direksi pada RUPS Tahunan Tahun 2022 tanggal the Board of Directors at the 2022 Annual GMS on April 04, 2022;
04 April 2023;
7. Pemeriksaan yang dilakukan oleh Satuan Kerja Audit Internal telah 7. The inspection carried out by the Internal Audit Work Unit is in accordance
sesuai dengan rencana yang ditetapkan dengan cakupan sesuai with the plan determined with the scope according to the auditee’s
pengkinian assessment profil risiko auditee. Pemantauan hasil audit updated risk profile assessment. Monitoring of audit results is carried
dilakukan secara berkesinambungan dan penyelesaian komitmen out continuously and the completion of the commitment to follow up
tindak lanjut hasil audit per 31 Desember 2023 sebagian besar telah on audit results as of 31 December 2023 is largely in accordance with
sesuai dengan komitmen dan sisanya masih dalam batas waktu the commitment and the remainder is still within the commitment time
komitmen; limit;
8. Akuntan Publik dan Kantor Akuntan Publik telah melakukan audit dan 8. The Public Accountant and Public Accounting Firm have conducted an
menerbitkan Management Letter periode 31 Desember 2022 atas audit audit and issued a Management Letter for the period 31 December
tahun 2022 dan telah dipenuhi/ ditindaklanjuti oleh manajemen Bank; 2022 regarding the 2022 audit and this has been fulfilled/followed up
9. Hasil audit atas laporan keuangan per 31 Desember 2022 dan by Bank management;
Management Letter telah menggambarkan permasalahan Bank yang 9. The results of the audit of the financial statements as of December 31,
signifikan dan disampaikan secara tepat waktu kepada Otoritas Jasa 2022 and the Management Letter have described the Bank’s significant
Keuangan; problems and were submitted in a timely manner to the Financial
10. Dewan Komisaris dan Direksi mampu melakukan pengawasan secara Services Authority;
aktif terhadap pelaksanaan kebijakan dan strategi Manajemen Risiko; 10. The Board of Commissioners and the Directors are able to actively
supervise the implementation of Risk Management policies and
11. Bank melaksanakan aktivitas bisnisnya sesuai dengan tingkat strategies;
kompleksitas Bank serta mempertimbangkan tingkat risiko (eksposur 11. The Bank carries out its business activities in accordance with the level
risiko) yang terdapat dalam aktivitas bisnis tersebut; of complexity of the Bank and considers the level of risk (risk exposure)
12. Laporan penyediaan dana kepada pihak terkait telah disajikan dalam contained in the business activity;
laporan BMPK dan disampaikan secara tepat waktu oleh Divisi 12. Reports on provision of funds to related parties have been presented
Pengendalian Keuangan kepada Otoritas Jasa Keuangan; in the LLL report and submitted in a timely manner by the Financial
13. Bank telah menyusun laporan-laporan untuk disampaikan kepada pihak Control Division to the Financial Services Authority;
internal maupun pihak eksternal, di antaranya laporan Tingkat Kesehatan 13. The Bank has prepared reports to be submitted to internal and external
Bank, laporan hasil audit dan laporan pelaksanaan tata kelola dengan parties, including the Bank Soundness Level report, audit report and
cakupan isi laporan berdasarkan ketentuan yang berlaku; governance implementation report with the scope of the report content
14. Selama periode Januari - Juni 2023 tidak terdapat penyediaan dana based on applicable regulations;
yang melampaui BMPK; 14. During the period January - June 2023, there is no provision of funds
15. Bank telah menyampaikan informasi keuangan dan non-keuangan that exceeds the LLL;
secara transparan dan berkala melalui melalui media cetak maupun 15. The Bank has submitted financial and non-financial information
media elektronik yang dapat dengan mudah diakses oleh seluruh transparently and periodically through print and electronic media that
pemangku kepentingan; can be easily accessed by all stakeholders;
2023 Annual Report
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TATA KELOLA
PERUSAHAAN
Hasil Penilaian Sendiri (Self Assessment) Penerapan Tata Kelola
Results of Self-Assessment Implementation of Governance
16. Rencana Bisnis Bank yang disusun oleh Direksi telah disetujui oleh 16. The Bank Business Plan prepared by the Board of Directors has been
Dewan Komisaris dan telah dikomunikasikan kepada seluruh para approved by the Board of Commissioners and has been communicated
pemegang saham dalam RUPS Tahunan dan seluruh jenjang organisasi to all shareholders at the Annual GMS and all levels of the organization
melalui forum Business Review; through the Business Review forum;
17. Realisasi rencana bisnis dan rencana korporasi disampaikan kepada 17. The realization of the business plan and corporate plan is submitted
para pemegang saham dalam Laporan Pertanggung Jawaban Direksi to the shareholders in the Directors' Accountability Report which is a
yang menjadi agenda rutin dalam RUPS Tahunan. routine agenda at the Annual GMS.
18. Rencana Bisnis Bank telah menggambarkan proyeksi pertumbuhan 18. The Bank’s Business Plan has described the projected growth of the
kinerja keuangan Bank selama 3 tahun kedepan dalam proyeksi Bank’s financial performance over the next 3 years in the balance sheet
neraca dan laba rugi pada Revisi RBB. Secara YoY kinerja Bank and profit and loss projections in the Revised RBB. On a YoY basis, the
mengalami pertumbuhan positif dari Desember 2023 (unaudited) Bank’s performance experienced positive growth from December 2023
yang dibandingkan dengan periode Desember 2022 (audited) dengan (unaudited) compared to the December 2022 (audited) period with the
rincian sebagai berikut: following details:
a. Aset mengalami kenaikan sebesar 3,71 % dari Rp 170,33 Triliun a. Assets increased by 3.71% from IDR 170.33 trillion to IDR 76.66
menjadi Rp 76,66 Triliun; trillion;
b. Kredit mengalami kenaikan sebesar 7,55% dari Rp 07,99 Triliun b. Credit increased by 7.55% from IDR 07.99 Trillion to IDR 16.14
menjadi Rpl 16,14 Triliun yang berdampak pada pertumbuhan Trillion which had an impact on interest income growth of 4.45%
pendapatan bunga sebesar 4,45% dari Rpl 2,60 Triliun menjadi from IDR 2.60 Trillion to IDR 13.16 Trillion. As for credit risk
Rp13, 16 Triliun. Adapun dalam hal mitigasi risiko kredit, beban mitigation, CKPN expenses increased by 81.07% from IDR 280
CKPN mengalami kenaikan sebesar 81,07% dari Rp280 Miliar billion to IDR 508 billion;
menjadi Rp508 Miliar;.
c. Dana Pihak Ketiga mengalami kenaikan sebesar 3,87% dari Rp c. Third Party Funds experienced an increase of 3.87% from IDR
21,74 Triliun menjadi Rpl 26,45 Triliun yang berdampak pada 21.74 Trillion to IDR 26.45 Trillion which resulted in an increase in
peningkatan beban bunga sebesar 38,71 o/o dari Rp4,46 Triliun interest expenses of 38.71 o/o from IDR 4.46 Trillion to IDR 6.18
menjadi Rp6, 18 Triliun; Trillion;
d. Fee Based, Operasional lain, dan instrumen Keuangan mengalami d. Fee Based, other operations and financial instruments experienced
pertumbuhan sebesar 9,61% dari Rpl ,82 Triliun menjadi Rpl ,99 growth of 9.61% from IDR .82 trillion to IDR .99 trillion;
Triliun;
e. Terdapat efisiensi pada pos Beban Operasional selain bunga yang e. There was efficiency in the Operational Expenses item other than
mengalami penurunan sebesar 9,20% dari Rp6,87 Triliun menjadi interest which decreased by 9.20% from IDR 6.87 trillion to IDR
Rp6,24 Triliun. 6.24 trillion.
19. Dalam rangka evaluasi dan meningkatkan penerapan Tata Kelola Bank 19. In order to evaluate and improve the implementation of Good Bank
yang Baik, Bank telah dinilai oleh pihak ketiga independen diantaranya Governance, the Bank has been assessed by independent third parties
: including:
a. The Indonesian Institute for Corporate Governance (IICG) melalui a. The Indonesian Institute for Corporate Governance (IICG) through
program penilaian Corporate Governance Perception Index (CGPI) the Corporate Governance Perception Index (CGPI) assessment
termasuk predikat Indonesia Most Trusted Companies dengan nilai program includes the title of Indonesia Most Trusted Companies
87.03; with a score of 87.03;
b. Indonesian Institute for Corporate Directorship (IICD) melalui b. Indonesian Institute for Corporate Directorship (IICD) through
program penilaian Asean Corporate Governance Scorecard (ACGS) the Asean Corporate Governance Scorecard (ACGS) assessment
termasuk predikat Very Good dengan nilai 99.32; program including the Very Good predicate with a score of 99.32;
c. PT Deloitte Konsultan Indonesia melalui penilaian maturity level c. PT Deloitte Consultant Indonesia, through a maturity level
penerapan Governance Risk and Compliance (GRC) termasuk assessment for the implementation of Governance Risk and
predikat Transformed dengan nilai 3.72. Compliance (GRC), included the Transformed predicate with a
score of 3.72.
Faktor negatif aspek Governance Outcome adalah: Negative factors aspects of Governance Outcome are:
Selama periode Juli - Desember Tahun 2023, masih terdapat adanya sanksi During the period July - December 2023, there will still be fines due to
denda akibat pelanggaran ketentuan regulator, selain itu masih terdapat violations of regulatory provisions, apart from that there are still frauds
fraud yang terjadi di Bank, namun demikian Bank telah melakukan mitigasi occurring at the Bank, however the Bank has carried out mitigation and
dan tindaklanjut berupa corrective action termasuk melakukan upaya-upaya follow-up in the form of corrective action including making efforts to
untuk meningkatkan recovery sehingga kerugian Bank dapat diselesaikan increase recovery resulting in Bank losses. can be solved optimally.
secara optimal.
Rekomendasi dan Tindaklanjutnya Recommendations and Follow Up
Tidak terdapat rekomendasi dari Otoritas Jasa Keuangan atas Self There is no recommendation by the OJK for the 2023 Financial
Assessment Tahun Buku 2023. Year Self Assessment.
Corporate Governance Perception Corporate Governance Perception
Index (CGPI) Index (CGPI)
The Indonesian Institute for Corporate Governance (IICG) melalui The Indonesian Institute for Corporate Governance (IICG) through
penilaian program Corporate Governance Perception Index (CGPI) the assessment of the Corporate Governance Perception Index
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melakukan penilaian terhadap GCG bank bjb dengan hasil (CGPI) program conducted an assessment of bank bjb GCG with
Trusted Company. the results of Most Trusted Companies.
Kriteria Penilaian Assessment Criteria
Tahapan Penilaian
Aspek Penilaian Keterangan
Assessment
Assessment Aspects Information
Stage
• Governance Structure 1. Self Assessment, Pengisian kuesioner oleh
Struktur organisasi, visi, misi, strategi, dan kebijakan serta responden perusahaan dari internal dan
dinamika persaingan. eksternal.
• Governance Structure 2. Sistem Dokumentasi, Kelengkapan dokumen
Organizational structure, vision, mission, strategy, and perusahaan terkait GCG dan Manajemen
policies as well as dynamics of competition. Analisis perusahaan.
Analysis 1. Self Assessment, Completion of questionnaires
• Governance Process by company respondents from internal and
Sistem dan mekanisme tata kelola dalam merespon dinamika external.
persaingan membangun keunggulan. 2. Sistem Dokumentasi, Complete company
• Governance Process documents related to GCG and company
Governance systems and mechanisms in response to management.
competitive dynamics build excellence.
• Governance Outcome Klarifikasi hasil analisis melalui presentasi oleh
Capaian kinerja keuangan dan non keuangan yang Perusahaan dan diskusi dengan Organ Perusahaan.
Observasi
menjadikan perusahaan unggul. Clarification of analysis results through
Observation
• Governance Outcome presentations by the Company and discussions with
Financial and non-financial performance achievements that Company Organs.
make the company superior.
Pihak yang Melakukan Assessment Parties That Conduct Assessment
Penilaian program Corporate Governance Perception Index (CGPI) Assessment of the 2022 Corporate Governance Perception Index
Tahun 2022 yang diselenggarakan oleh The Indonesian Institute (CGPI) program was organized by The Indonesian Institute for
For Corporate Governance (IICG). Corporate Governance (IICG).
Skor Penilaian Assessment Score
Hasil penilaian CGPI 2022 dengan tema “Membangun The results of the 2021 CGPI assessment with the theme “Building
Ketangkasan Perusahaan dalam Kerangka Good Corporate Corporate Resilience within the GCG Framework” at PT Bank
Governance” di PT Bank Pembangunan Daerah Jawa Barat Pembangunan Daerah Jawa Barat and Banten Tbk showed a score
dan Banten Tbk menunjukkan skor 87,03. Hasil pemeringkatan of 87,03. The results of the ranking based on this score, bank
berdasarkan skor tersebut, bank bjb berada dalam kategori bjb is in the “Highly Trusted” category. The details of the score
predikat “Sangat Tepercaya”. Rincian dari capaian nilai untuk achieved for each aspect of the assessment are as follows:
setiap aspek penilaian adalah sebagai berikut:
1. Aspek Struktur Tata Kelola (Governance Structure) 1. Aspects of the Governance Structure (Governance Structure)
memperoleh nilai 28,75. scored 28,75.
2. Aspek Proses Tata Kelola (Governance Process) memperoleh 2. The Governance Process aspect scored 28,58.
nilai 28,58.
3. Aspek Hasil Tata Kelola (Governance Outcome) memperoleh 3. The Governance Outcome aspect scored 29,70.
nilai 29,70.
2023 Annual Report
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TATA KELOLA
PERUSAHAAN
Hasil CGPI bank bjb yang menunjukkan prestasi “Sangat bank bjb’s CGPI results which showed the achievement of “Highly
Tepercaya” menunjukkan bahwa organ perusahaan dan Trusted” showed that the company’s organs and all members of
segenap anggota perusahaan bank bjb telah berkomitmen dan the bank bjb company had been committed and consistent in
konsisten dalam mengimplementasikan prinsip-prinsip tata kelola implementing the principles of good corporate governance (Good
perusahaan yang baik (Good Corporate Governance/GCG), Corporate Governance / GCG), and were able to optimize the
serta mampu mengoptimalkan sumber daya yang dimiliki untuk resources they had to build a corporate resilience system to the
membangun sistem ketangguhan perusahaan terhadap dinamika dynamics of change in line with GCG values, principles and rules.
perubahan yang selaras dengan nilai, prinsip dan aturan GCG. Thus bank bjb could create added value for stakeholders and
Dengan demikian bank bjb dapat menciptakan nilai tambah bagi sustainable company growth in an ethical and dignified manner.
stakeholder dan pertumbuhan perusahaan yang berkelanjutan
secara etikal dan bermartabat.
Rekomendasi dan Tindaklanjutnya Recommendations and Follow-Up
Hasil assessment telah menjadi dasar untuk melakukan continues The assessment results have become the basis for continuous
improvement dengan menindaklanjuti hasil assessment improvement by following up on the assessment results
(rekomendasi) yang telah diperoleh. (recommendations) that have been obtained.
Asean Corporate Governance Asean Corporate Governance
Scorecard (ACGS) Scorecard (ACGS)
Penilaian atas penerapan terhadap praktik tata kelola bank bjb Assessment of the application of bank bjb governance practices is
juga berdasarkan kriteria ASEAN Corporate Governance Scorecard also based on the ASEAN Corporate Governance Scorecard (ACGS)
(ACGS) yang mengadopsi prinsip-prinsip Corporate Governance criteria which adopts the principles of Corporate Governance
yang dikeluarkan oleh The Organization for Economic Cooperation issued by The Organization for Economic Cooperation and
and Development (OECD). Development (OECD).
Kriteria Penilaian Assessment Criteria
Kriteria penilaian ACGS meliputi 5 (lima) aspek sebagai berikut: The ACGS assessment criteria cover 5 (five) aspects as follows:
1. Hak-hak Pemegang Saham. 1. Rights of Shareholders.
2. Perlakuan Setara terhadap Pemegang Saham. 2. Equal Treatment of Shareholders.
3. Peran Pemangku Kepentingan. 3. The Role of Stakeholder.
4. Pengungkapan dan Transparansi. 4. Disclosure and Transparency.
5. Tanggung Jawab Direksi dan Komisaris 5. Responsibilities of Directors and Commissioners
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CORPORATE
GOVERNANCE
Pihak yang Melakukan Assessment Third-Party Assessor
Penilaian ACGS (Asean Corporate Governance Scorecard) Tahun The 2022 ACGS (Asean Corporate Governance Scorecard)
2022 yang dilaksanakan oleh IICD (Indonesian Institute for assessment carried out by IICD (Indonesian Institute for Corporate
Corporate Directorship). Directorship).
Skor Penilaian Assessment Score
Penilaian atas penerapan GCG melalui ASEAN Corporate Assessment of the implementation of GCG through the ASEAN
Governance Scorecard (ACGS) dengan hasil nilai skor 99,32 atau Corporate Governance Scorecard (ACGS) with a score of 99.32 or
predikat “Very Good”. the predicate “Very Good”.
Rekomendasi dan Tindaklanjutnya Recommendations And Follow-Up
Hasil assessment telah menjadi dasar untuk melakukan continues The assessment results have become the basis for continuous
improvement dengan menindaklanjuti hasil assessment improvement by following up on the assessment results
(rekomendasi) yang telah diperoleh. (recommendations) that have been obtained.
Pernyataan Pelaksanaan Prinsip-Prinsip Tata
Kelola yang Baik
Statement of Implementation of Good Governance Principles
Manajemen dan karyawan bank bjb menyatakan bahwa bank The management and employees of bank bjb state that bank bjb,
bjb dalam menjalankan kegiatan usaha telah menerapkan in carrying out business activities, has implemented the principles
prinsip-prinsip tata kelola yang baik dan tidak ada pelanggaran of good governance, and there are no material violations of the
yang material terhadap peraturan perundang-undangan yang applicable laws and regulations. Management and employees are
berlaku. Manajemen dan karyawan senantiasa tetap berkomitmen always committed to continuously improving good governance
untuk terus meningkatkan praktik-praktik tata kelola yang baik practices in a transparent, accountable, responsible, independent
secara transparan, akuntabel, bertanggungjawab, independen, manner, paying attention to fair and sustainable equality and
memperhatikan kesetaraan dan kewajaran yang adil serta fairness to achieve the Company's business objectives.
berkesinambungan guna mencapai tujuan usaha Perseroan.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1137
Page 629
TANGGUNG JAWAB SOSIAL
PERUSAHAAN
Corporate Social Responsibility
09
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2023 Annual Report PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1139
Page 631
TANGGUNG JAWAB SOSIAL
PERUSAHAAN
Dalam menjalankan kegiatan usahanya, bank bjb senantiasa In carrying out its business activities, bank bjb always strives that
berupaya bahwa setiap keputusan dan aktivitas bisnis yang every decision and business activity undertaken is able to provide
dilakukan mampu memberikan manfaat bagi para pemangku benefits to its stakeholders. The Company views that social
kepentingannya. Bank memandang bahwa tanggung jawab responsibility is a necessity which will ultimately have a positive
sosial merupakan sebuah kebutuhan yang pada akhirnya akan impact on the value of the Company. In this regard, the direction
memberikan dampak positif terhadap nilai perusahaan. Berkaitan of implementing social responsibility is in an effort to increase the
dengan hal tersebut, arah pelaksanaan tanggung jawab sosial role of the Company in achieving Sustainable Development Goals
adalah dalam upaya meningkatkan peran Perseroan dalam (SDGs).
pencapaian tujuan pembangunan berkelanjutan atau Sustainable
Development Goals (SDGs).
Sebagai sebuah perusahaan yang bergerak dalam bidang As a Company engaged in banking, bank bjb has committed to
perbankan, bank bjb telah berkomitmen dalam menerapkan implementing a sustainable financial program which is a support
program keuangan berkelanjutan yang merupakan dukungan of the financial sector in achieving sustainable development.
sektor keuangan dalam pencapaian pembangunan berkelanjutan. The Company is well aware that the financial system can play
Bank sangat menyadari bahwa sistem keuangan dapat mengambil an important role in preventing the occurrence of funding or
peran penting dalam mencegah terjadinya praktik pendanaan atau investment practices in business activities that use resources
investasi pada kegiatan usaha yang menggunakan sumber daya excessively, which ultimately has an impact on social inequality
secara berlebihan, yang akhirnya berdampak pada kesenjangan and results in environmental damage.
sosial dan mengakibatkan kerusakan lingkungan hidup.
Sebagai lembaga jasa keuangan, pelaksanaan tanggung jawab As a financial services institution, the implementation of
sosial perusahaan di bank bjb mengacu pada POJK No. 51/ corporate social responsibility at bank bjb refers to POJK No. 51/
POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan POJK.03/2017 concerning the Implementation of Sustainable
Bagi Lembaga Jasa Keuangan Emiten dan Perusahaan Publik Finance for Financial Service Institutions Issuers and Public
dan standar internasional yaitu ISO 26000. Sesuai Surat Edaran Companies and the international standard, namely ISO 26000.
Otoritas Jasa Keuangan No. 16 /SEOJK.04/2021 Tentang Bentuk In accordance with the Circular Letter of the Financial Services
dan Isi Laporan Tahunan Emiten atau Perusahaan Publik, informasi Authority No. 16/SEOJK.04/2021 Concerning the Form and
tanggung jawab sosial perusahaan khususnya terkait tata kelola Content of the Annual Report of Issuers or Public Companies,
keberlanjutan, kinerja ekonomi berkelanjutan, kinerja lingkungan Information on corporate social responsibility, particularly related
berkelanjutan dan kinerja sosial berkelanjutan disampaikan pada to the application of environmental, social and governance (ESG)
Laporan Keberlanjutan halaman 191-197 yang disajikan secara principles, is presented in the Sustainability Report page 191-197
terpisah dari Laporan Tahunan. which is presented separately from this Annual Report.
Tahunan 2023
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INDEKS REFERENSI OJK
OJK Reference Index
10
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1141
Page 633
INDEKS
REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
UMUM / GENERAL
Laporan Tahunan harus dicetak dan POJK 29
dijilid.
√
Annual Report is well printed and
bound.
Laporan Tahunan harus dapat POJK 29
diperbanyak dalam bentuk salinan
dokumen cetak dan salinan dokumen
elektronik.
√
Annual Report must be reproduced
in the form of printed copies of
documents and electronic copies of
documents.
Laporan Tahunan wajib disajikan dalam POJK 29
Bahasa Indonesia dan bahasa asing.
√
Annual Reports are presented in
Indonesian and foreign languages.
Laporan Tahunan wajib dimuat dalam POJK 29
Situs Web Emiten atau Perusahaan
Publik pada tanggal yang sama dengan
penyampaian Laporan Tahunan kepada
Otoritas Jasa Keuangan.
√
Annual Report must be published
on the Issuer’s or Public Company’s
Website on the same date as the
submission of the Annual Report to the
Financial Services Authority.
KILAS KINERJA / PERFORMANCE HIGHLIGHTS
Ikhtisar data keuangan penting memuat Informasi memuat antara lain:
informasi keuangan yang disajikan Information includes, among others:
dalam bentuk perbandingan selama 3
(tiga) tahun buku atau sejak memulai 1. Pendapatan/penjualan. / Sales revenue. 25 SEOJK 16
usahanya jika Emiten atau Perusahaan
Publik tersebut menjalankan kegiatan 2. Laba bruto. / Gross profit. 25
usahanya kurang dari 3 (tiga) tahun.
3. Laba Operasional. / Operational profit. 25 SEOJK 9
Summary of important financial
data contains financial information 4. Laba sebelum pajak. / Profit before tax. 25
presented in comparative form for 3
5. Laba bersih. / Net profit. 25
(three) financial years or since starting
their business if the Issuer or Public 6. Laba (rugi). / Profit and loss. 26 SEOJK 16
Company has been running its business
activities for less than 3 (three) years. 7. Total laba (rugi) komprehensif. / Total comprehensive profit (loss). 26 SEOJK 9
8. Jumlah laba (rugi) yang dapat diatribusikan kepada pemilik SEOJK 16
entitas induk dan kepentingan non pengendali. / Total profit (loss)
26
attributable to owners of the parent entity and non-controlling
interests.
9. Total laba (rugi) komprehensif. / Total comprehensive profit (loss). 26 SEOJK 16
10. Jumlah laba (rugi) komprehensif yang dapat diatribusikan kepada
pemilik entitas induk dan kepentingan non Pengendali. / Total
26
comprehensive profit (loss) attributable to owners of the parent
entity and non-controlling interests.
11. Laba (rugi) per saham. / Earnings (loss) per share. 26 SEOJK 9
SEOJK 16
12. Jumlah aset. / Total assets. 23
13. Jumlah liabilitas. / Total liabilities. 24
14. Jumlah ekuitas. / Total equity. 24
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OJK
REFERENCE INDEX
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
15. Dana pihak ketiga. / Third-party funds. 23 SEOJK 9
16. Pinjaman yang diterima. / Loans received. 23
17. Rasio laba (rugi) terhadap jumlah aset. / SEOJK 16
29
Ratio of profit (loss) to total assets.
18. Rasio laba (rugi) terhadap ekuitas. / Profit (loss) to equity ratio. 29
19. Rasio laba (rugi) terhadap pendapatan/penjualan. / Profit (loss) to
29
revenue/sales ratio.
20. Rasio lancar. / Current ratio. 29
21. Rasio liabilitas terhadap ekuitas. / Liability to equity ratio. 29
22. Rasio liabilitas terhadap jumlah aset. / Ratio of liabilities to total
29
assets.
23. Rasio KPMM. / CAR ratio. 28 SEOJK 9
24. Aset produktif. / Productive assets. 29
25. Rasio Non-performing Loans (NPL). / Non-performing loans (NPL)
29
ratio.
26. Rasio Beban Operasional terhadap Pendapatan Operasional
29
(BOPO). / Ratio of Operating Expenses to Operating Income (BOPO).
27. Cost to Income Ratio (CIR). 29
28. Rasio Net Interest Margin (NIM). / Net Interest Margin (NIM) ratio. 29
29. Persentase pelanggaran dan pelampauan Batas Maksimum
Pemberian Kredit (BMPK). / Percentage of violations and 29
exceedances of the Legal Lending Limit (BMPK).
30. Rasio Giro Wajib Minimum (GWM). /
29
Statutory Reserve Ratio (GWM).
31. Rasio Posisi Devisa Neto (PDN). / Net Open Position (NOP) Ratio. 29
32. Informasi dan rasio keuangan lainnya yang relevan dengan emiten SEOJK 9
atau perusahaan publik dan jenis industrinya. / Information and SEOJK 16
29
other financial ratios that are relevant to the issuer or public
company and the type of industry.
Informasi Saham Informasi saham bagi Perusahaan Terbuka paling sedikit memuat: SEOJK 16
Stock Information Information on shares for Public Companies at least contains:
1. Saham yang telah diterbitkan untuk setiap masa triwulan yang
disajikan dalam bentuk perbandingan selama 2 (dua) tahun buku
terakhir, paling sedikit memuat / Shares that have been issued for 33-35
each quarter presented in comparative form for the last 2 (two)
financial years, at least contain:
a. Jumlah saham yang beredar. / Number of outstanding shares.
b. Kapitalisasi pasar berdasarkan harga pada bursa efek tempat
saham dicatatkan. / Market capitalization is based on the price
on the stock exchange where the shares are listed.
c. Harga saham tertinggi, terendah, dan penutupan berdasarkan
harga pada bursa efek tempat saham dicatatkan. / The highest,
lowest and closing share prices are based on the price on the
stock exchange where the shares are listed.
d. Volume perdagangan pada bursa efek tempat saham
dicatatkan. / Volumetrading on the stock exchange where the
shares are listed.
Informasi dalam huruf b), huruf c) dan huruf d) hanya diungkapkan jika
sahamnya tercatat di bursa efek.
Informasi disajikan dalam bentuk grafik dan tabel.
Information in letter b), letter c) and letter d) is only disclosed if the
shares are listed on the stock exchange.
Information is presented in the form of graphs and tables.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1143
Page 635
INDEKS
REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
2. Dalam hal terjadi aksi korporasi yang menyebabkan terjadinya SEOJK 16
perubahan pada saham, seperti pemecahan saham (stock split),
penggabungan saham (reverse stock), dividen saham, saham
bonus, perubahan nilai nominal saham, penerbitan efek konversi,
serta penambahan dan pengurangan modal, informasi saham
sebagaimana dimaksud pada angka 1) ditambahkan penjelasan 35
paling sedikit mengenai:
such as a stock split, reverse stock, stock dividends, bonus shares,
changes in the nominal value of shares, issuance of convertible
securities, and additions and capital reduction, share information as
referred to in number 1) is added with an explanation of at least:
a. Tanggal pelaksanaan aksi korporasi. / The date of implementation
of the corporate action.
b. Rasio pemecahan saham (stock split), penggabungan saham
(reverse stock), dividen saham, saham. / Stock split ratios, reverse
stock ratios, stock dividends.
c. bonus, jumlah efek konversi yang diterbitkan, dan perubahan
nilai nominal saham. / bonus shares, number of convertible
securities issued, and changes in share nominal value.
d. Jumlah saham beredar sebelum dan sesudah aksi korporasi. / The
number of outstanding shares before and after the corporate
action.
e. Jumlah efek konversi yang dilaksanakan (jika ada). / The number
of effect conversions implemented (if any).
f. Harga saham sebelum dan sesudah aksi korporasi. / Stock prices
before and after corporate actions.
3. Dalam hal terjadi penghentian sementara perdagangan saham SEOJK 16
(suspension) dan/atau pembatalan pencatatan saham (delisting)
dalam tahun buku, dijelaskan alasan penghentian sementara
perdagangan saham (suspension) dan/atau pembatalan pencatatan
saham (delisting) tersebut. / In the event of a temporary suspension 35
of share trading (suspension) and/or delisting of shares during the
financial year, the reasons for the temporary suspension of share
trading (suspension) and/or delisting of shares (delisting) shall be
explained.
4. Dalam hal penghentian sementara perdagangan saham (suspension) SEOJK 16
sebagaimana dimaksud pada angka 3) dan/ atau proses pembatalan
pencatatan saham (delisting) masih berlangsung hingga akhir
periode Laporan Tahunan, dijelaskan tindakan yang dilakukan
untuk menyelesaikan penghentian sementara perdagangan saham
(suspension) dan/atau pembatalan pencatatan saham (delisting)
35
tersebut. / In the event that the temporary suspension of share
trading (suspension) as referred to in number 3) and/or the process
of canceling the listing of shares (delisting) is still ongoing until
the end of the Annual Report period, the actions taken to resolve
the temporary suspension of share trading (suspension) and/or
cancellation are explained. listing of shares (delisting).
LAPORAN DIREKSI DAN DEWAN KOMISARIS / REPORT OF BOARD OF DIRECTORS AND BOARD OF COMMISSIONERS
Laporan Direksi Laporan Direksi paling sedikit memuat uraian singkat mengenai:
Directors Report The Board of Directors’ report contains at least a brief description of:
1. Kinerja Emiten atau Perusahaan Publik, paling sedikit memuat:
Performance of Issuers or Public Companies, at least includes:
a. Strategi dan kebijakan strategis Emiten atau Perusahaan Publik SEOJK 9
(termasuk untuk UUS apabila Bank memiliki UUS). / Issuer’s or SEOJK 16
59-61
Public Company’s strategy and strategic policies (including for
UUS if the Bank owns UUS).
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OJK
REFERENCE INDEX
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
b. Peranan Direksi dalam perumusan strategi dan kebijakan SEOJK 16
strategis Emiten atau Perusahaan Publik. / The role of the Board
59
of Directors in formulating the strategy and strategic policies of
the Issuer or Public Company.
c. Proses yang dilakukan Direksi untuk memastikan implementasi
strategi Emiten atau Perusahaan Publik. / The process carried out
59
by the Board of Directors to ensure the implementation of the
Issuer’s or Public Company’s strategy.
d. Perbandingan antara hasil yang dicapai dengan yang ditargetkan SEOJK 9
Emiten atau Perusahaan Publik. / Comparison between the SEOJK 16
62
results achieved and those targeted by the Issuer or Public
Company.
e. Kendala yang dihadapi Emiten atau Perusahaan Publik. /
62
Obstacles faced by Issuers or Public Companies.
f. Struktur organisasi. / Organizational structure. 53 SEOJK 9
g. Aktivitas utama. / Main activity. 52
h. Teknologi informasi. / Information Technology. 54
i. Jenis produk dan jasa yang ditawarkan, termasuk penyaluran
kredit kepada debitur usaha mikro, kecil, dan menengah. / Types
52-53
of products and services offered, including lending to debtors of
micro, small and medium enterprises.
j. Tingkat suku bunga penghimpunan dan penyediaan dana./
56-59
Interest rates for raising and providing funds.
k. Perkembangan perekonomian dan target pasar. / Economic
54-56
development and target market.
l. Jaringan kerja dan mitra usaha di dalam dan/atau di luar negeri.
53
/ Networks and business partners at home and/or abroad.
m. Jumlah, jenis, dan lokasi kantor. / Number, type and location of
53
offices.
n. Kepemilikan Direksi, Dewan Komisaris, dan pemegang saham
dalam kelompok usaha Bank. / Ownership of the Board of
N/A
Directors, Board of Commissioners and shareholders in the
Bank’s business group.
o. Perubahan-perubahan penting yang terjadi pada Bank dan
kelompok usaha Bank dalam tahun yang bersangkutan. /
N/A
Important changes that occurred in the Bank and the Bank’s
business group in the year concerned.
p. Hal-hal penting yang diperkirakan terjadi pada masa mendatang.
62-63
/ Important things that are expected to happen in the future.
q. Sumber daya manusia meliputi jumlah, tingkat pendidikan,
pelatihan, dan pengembangan sumber daya manusia. / Human
53-54
resources include the number, level of education, training, and
development of human resources.
2. Gambaran tentang prospek usaha Emiten atau Perusahaan Publik. SEOJK 9
/ An overview of the business prospects of the Issuer or Public 62-64 SEOJK 16
Company.
3. Penerapan tata kelola Emiten atau Perusahaan Publik. /
65-69
Implementation of Issuer or Public Company governance.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1145
Page 637
INDEKS
REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
Laporan Dewan Komisaris Laporan Dewan Komisaris paling sedikit memuat uraian singkat
Report of the Board of Commissioners mengenai:
The Board of Commissioners’ report contains at least a brief description
of:
1. Penilaian terhadap kinerja Direksi mengenai pengelolaan Emiten SEOJK 16
atau Perusahaan Publik, termasuk pengawasan Dewan Komisaris SEOJK 9
dalam perumusan dan implementasi strategi Emiten atau
Perusahaan Publik yang dilakukan oleh Direksi. / Assessment of
the Board of Directors’ performance regarding the management 76-78
of Issuers or Public Companies, including oversight by the Board
of Commissioners in the formulation and implementation of the
Issuer’s or Public Company’s strategy carried out by the Board of
Directors.
2. Pandangan atas prospek usaha Emiten atau Perusahaan Publik yang
disusun oleh Direksi. / Views on the business prospects of Issuers or 78-79
Public Companies compiled by the Board of Directors.
3. Pandangan atas penerapan tata kelola Emiten atau Perusahaan
Publik. / Views on the implementation of governance of the Issuer or 79-83
Public Company.
4. Perubahan komposisi Dewan Komisaris (jika ada) dan alasan SEOJK 9
perubahannya. / Changes in the composition of the Board of 84-85
Commissioners (if any) and reasons for the changes.
5. Frekuensi dan cara pemberian nasihat kepada anggota Direksi. /
Frequency and method of providing advice to members of the Board 76
of Directors.
Surat Pernyataan Anggota Direksi dan Surat Pernyataan Anggota Direksi dan Anggota Dewan Komisaris SEOJK 16
Anggota Dewan Komisaris tentang Tanggung Jawab atas Laporan Tahunan Surat pernyataan POJK 29
Statement Letter from Members of the anggota Direksi dan anggota Dewan Komisaris tentang tanggung jawab
Board of Directors and Members of the atas Laporan Tahunan disusun sesuai dengan format Surat Pernyataan
Board of Commissioners Anggota Direksi dan Anggota Dewan Komisaris tentang Tanggung
Jawab atas Laporan Tahunan.
Statement Letter from Members of the Board of Directors and Members 88-89
of the Board of Commissioners regarding Responsibility for the Annual
Report. Statement letter from members of the Board of Directors and
members of the Board of Commissioners regarding responsibility for the
Annual Report is prepared in accordance with the format of Statement
Letter from Members of the Board of Directors and Members of the
Board of Commissioners regarding Responsibility for the Annual Report.
PROFIL PERUSAHAAN / COMPANY PROFILE
Nama dan alamat lengkap perusahaan Akses terhadap Emiten atau Perusahaan Publik termasuk kantor SEOJK 9
Company name and full address cabang atau kantor perwakilan yang memungkinkan masyarakat dapat SEOJK 16
memperoleh informasi mengenai Emiten atau Perusahaan Publik,
meliputi:
Access to Issuers or Public Companies including branch offices or
representative offices that enable the public to obtain information about
Issuers or Public Companies, including: 62-63
1. Alamat / Address
2. Nomor telepon / Phone number
3. Alamat surat elektronik / Email address
4. Alamat situs web / Website address
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REFERENCE INDEX
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
Nama dan alamat entitas anak dan/ Memuat informasi antara lain:
atau kantor cabang atau kantor Contains information including:
perwakilan (jika ada)
Name and address of subsidiary and/or 1. Nama dan alamat entitas anak, meliputi: SEOJK 9
branch office or representative office Name and address of the subsidiary, including: SEOJK 16
(if any) a. Alamat / Address
b. Nomor telepon / Phone number
c. Alamat surat elektronik / E-mail address
d. Alamat situs web / Website address
2. Nama dan alamat kantor cabang/perwakilan, meliputi:
Name and address of the branch/representative office, including:
a. Alamat / Address 94-98
b. Nomor telepon / Phone number
c. Alamat surat elektronik / E-mail address
d. Alamat situs web / Website address
Catatan: apabila perusahaan tidak memiliki entitas anak, kantor
cabang, dan kantor perwakilan, agar diungkapkan.
Notes: if the company does not have subsidiaries, branch offices, and
representative offices, so that it is disclosed.
Riwayat singkat Emiten atau Mencakup antara lain: tanggal/tahun pendirian, nama, perubahan nama SEOJK 9
Perusahaan Publik perusahaan (jika ada), dan tanggal efektif perubahan nama perusahaan. SEOJK 16
Brief history of Issuer or Public Include among others: date/year of establishment, name, change of
Company company name (if any), and effective date of change of company name. 100-103
Catatan: apabila perusahaan tidak pernah melakukan perubahan
nama, agar diungkapkan.
Notes: if the company has never changed its name, please disclose it.
Visi, Misi, dan Budaya Perusahaan Mencakup / Includes: SEOJK 9
Vision, Mission and Corporate Culture SEOJK 16
1. Visi Perusahaan / Company Vision 104
2. Misi Perusahaan / Company Mission 105
3. Pernyataan mengenai budaya perusahaan (corporate culture) yang
dimiliki Perusahaan. / Statement that the vision and mission have
106-109
been reviewed and approved by the Board of Directors/Board of
Commissioners in the financial year.
Kegiatan Usaha Uraian mengenai antara lain / Description of, among others: SEOJK 9
Business activities SEOJK 16
1. Kegiatan usaha perusahaan menurut anggaran dasar terakhir. /
The company’s business activities according to the latest articles of 110
association.
2. Kegiatan usaha yang dijalankan. /Business Activities Undertaken. 110
3. Produk dan/atau jasa yang dihasilkan. / Products and/or services
111-125
produced.
Wilayah Operasional Wilayah operasional Emiten atau Perusahaan Publik. Wilayah operasional SEOJK 16
Operational Area merupakan wilayah atau daerah pelaksanaan kegiatan operasional atau
jangkauan dari kegiatan operasional perusahaan.
126-127
Issuer’s or Public Company’s operational area. The operational area is the
area or area where operational activities are carried out or the scope of
the company’s operational activities.
Struktur Organisasi Struktur organisasi Emiten atau Perusahaan Publik dalam bentuk bagan, SEOJK 9
Organizational structure paling sedikit sampai dengan struktur 1 (satu) tingkat di bawah Direksi SEOJK 16
termasuk komite di bawah Direksi (jika ada) dan komite di bawah
Dewan Komisaris, disertai dengan nama dan jabatan.
The organizational structure of the Issuer or Public Company in 132-133
the form of a chart, at least up to 1 (one) level below the Board of
Directors including committees under the Board of Directors (if any) and
committees under the Board of Commissioners, accompanied by names
and positions.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1147
Page 639
INDEKS
REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
Keanggotaan Asosiasi Daftar keanggotaan asosiasi industri baik dalam skala nasional SEOJK 16
Association Membership maupun internasional yang berkaitan dengan penerapan keuangan
berkelanjutan. 131
List of industry association memberships both on a national and
international scale related to the implementation of sustainable finance.
Profil Direksi Profil Direksi, paling sedikit memuat / Profile of the Board of Directors, SEOJK 9
134-141 SEOJK 16
Board of Directors Profile at least contains:
1. Nama dan jabatan yang sesuai dengan tugas dan tanggung jawab. /
Name and position in accordance with the duties and responsibilities.
2. Foto terbaru. / Latest photos.
3. Usia. / Age
4. Kewarganegaraan. / Citizenship.
5. Riwayat pendidikan dan/atau sertifikasi. / Educational history and/or
certification.
6. Riwayat jabatan, meliputi informasi:
Position history, including information on:
a. Dasar hukum pengangkatan sebagai anggota Direksi pada
Emiten atau Perusahaan Publik yang bersangkutan / The legal
basis for appointment as a member of the Board of Directors of
the Issuer or Public Company concerned
b. Rangkap jabatan, baik sebagai anggota Direksi, anggota Dewan
Komisaris, dan/atau anggota komite serta jabatan lainnya baik
di dalam maupun di luar Emiten atau Perusahaan Publik. Dalam
hal anggota Direksi tidak memiliki rangkap jabatan, maka
diungkapkan mengenai hal tersebut. / Concurrent positions,
both as members of the Board of Directors, members of the
Board of Commissioners, and/or committee members as well
as other positions both inside and outside the Issuer or Public
Company. In the event that members of the Board of Directors
do not have concurrent positions, then this is disclosed.
c. Pengalaman kerja beserta periode waktunya baik di dalam
maupun di luar Emiten atau Perusahaan Publik. / Work
experience and time period both inside and outside the Issuer or
Public Company.
7. Hubungan afiliasi dengan anggota Direksi lainnya, anggota SEOJK 9
Dewan Komisaris, pemegang saham utama, dan pengendali baik SEOJK 16
langsung maupun tidak langsung sampai kepada pemilik individu, POJK 13
meliputi nama pihak yang terafiliasi. Dalam hal anggota Direksi
tidak memiliki hubungan afiliasi, maka Emiten atau Perusahaan
Publik mengungkapkan hal tersebut. Hubungan keuangan dan
hubungan keluarga anggota Direksi dan anggota Dewan Komisaris
dengan anggota Direksi lain, anggota Dewan Komisaris lain, dan/
atau pemegang saham pengendali Bank. / The of the Board of
Commissioners, major shareholders and controllers, either directly
or indirectly to individual owners, including names of affiliated
parties. In the event that members of the Board of Directors have no
affiliation, the Issuer or Public Company shall disclose this. Financial
relationships and family relationships of members of the Board of
Directors and members of the Board of Commissioners with other
members of the Board of Directors, other members of the Board of
Commissioners, and/or controlling shareholders of the Bank.
8. Perubahan komposisi anggota Direksi dan alasan perubahannya. SEOJK 16
Dalam hal tidak terdapat perubahan komposisi anggota Direksi,
maka diungkapkan mengenai hal tersebut. / Changes in the
composition of members of the Board of Directors and reasons for
the changes. In the event that there is no change in the composition
of the members of the Board of Directors, this will be disclosed.
Tahunan 2023
1148 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 640
OJK
REFERENCE INDEX
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
Profil Dewan Komisaris Profil Dewan Komisaris, paling sedikit memuat: SEOJK 9
142-150 SEOJK 16
Profile of the Board of Commissioners Profile of the Board of Commissioners, at least contains:
1. Nama dan jabatan. / Name and position.
2. Foto terbaru. / Latest photos.
3. Usia. / Age.
4. Kewarganegaraan. / Citizenship.
5. Riwayat pendidikan dan/atau sertifikasi. / Educational history and/or
certification.
6. Riwayat jabatan, meliputi informasi:
Position history, including information on:
a. Dasar hukum pengangkatan sebagai anggota Dewan Komisaris
/ The legal basis for appointment as a member of the Board of
Directors of the Issuer or Public Company concerned
b. Dasar hukum pengangkatan pertama kali sebagai anggota
Dewan Komisaris yang merupakan komisaris independen pada
Emiten atau Perusahaan Publik yang bersangkutan. / Legal
basis for the first appointment as a member of the Board of
Commissioners who is an independent commissioner of the
Issuer or Public Company concerned.
c. Rangkap jabatan, baik sebagai anggota Dewan Komisaris,
anggota Direksi, dan/atau anggota komite serta jabatan lainnya
baik di dalam maupun di luar Emiten atau Perusahaan Publik.
Dalam hal anggota Dewan Komisaris tidak memiliki rangkap
jabatan, maka diungkapkan mengenai hal tersebut. / Concurrent
positions, both as members of the Board of Directors, members
of the Board of Commissioners, and/or committee members
as well as other positions both inside and outside the Issuer or
Public Company. In the event that members of the Board of
Directors do not have concurrent positions, then this is disclosed.
d. Pengalaman kerja beserta periode waktunya baik di dalam
maupun di luar Emiten atau Perusahaan Publik. / Work
experience and time period both inside and outside the Issuer or
Public Company.
7. Hubungan afiliasi dengan anggota Dewan Komisaris lainnya, SEOJK 9
pemegang saham utama, dan pengendali baik langsung maupun SEOJK 13
tidak langsung sampai kepada pemilik individu, meliputi nama pihak SEOJK 16
yang terafiliasi. POJK 17
Dalam hal anggota Dewan Komisaris tidak memiliki hubungan afiliasi,
maka Emiten atau Perusahaan Publik mengungkapkan hal tersebut.
Hubungan keuangan dan hubungan keluarga anggota Direksi dan
anggota Dewan Komisaris dengan anggota Direksi lain, anggota
Dewan Komisaris lain, dan/atau pemegang saham pengendali Bank.
Affiliation with other members of the Board of Directors, members
of the Board of Commissioners, major shareholders and controllers,
either directly or indirectly to individual owners, including names of
affiliated parties.
In the event that members of the Board of Directors have no
affiliation, the Issuer or Public Company shall disclose this.
Financial relationships and family relationships of members of the Board
of Directors and members of the Board of Commissioners with other
members of the Board of Directors, other members of the Board of
Commissioners, and/or controlling shareholders of the Bank.
8. Pernyataan independensi komisaris independen dalam hal komisaris SEOJK 16
independen telah menjabat lebih dari 2 (dua) periode. / Statement
of independence of the independent commissioner in the event that
the independent commissioner has served more than 2 (two) terms.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1149
Page 641
INDEKS
REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
9. Perubahan komposisi anggota Dewan Komisaris dan alasan SEOJK 16
perubahannya. Dalam hal tidak terdapat perubahan komposisi
anggota Dewan Komisaris, maka diungkapkan mengenai hal
tersebut. / Changes in the composition of members of the Board of
Directors and reasons for the changes. In the event that there is no
change in the composition of the members of the Board of Directors,
this will be disclosed.
Profil singkat pejabat eksekutif Termasuk susunan pejabat eksekutif beserta jabatan dan ringkasan SEOJK 9
Executive officer brief profile Riwayat hidup. / Including the composition of executive officers along 151-169
with their positions and a summary of Curriculum Vitae.
Jumlah karyawan dan data Jumlah karyawan menurut jenis kelamin, jabatan, usia, tingkat SEOJK 9
pengembangan kompetensi karyawan. pendidikan, dan status ketenagakerjaan (tetap/kontrak) dalam tahun SEOJK 16
Number of employees and employee buku. / Data on employee competency development that has been
competency development data. carried out in the financial year consisting of parties (position levels) who
attended training, types of training, and training objectives as well as 170-172
equal opportunities for all employees.
Pengungkapan informasi dapat disajikan dalam bentuk tabel. / Employee
competency development costs that have been incurred in the financial
year.
Komposisi pemegang saham Nama pemegang saham dan persentase kepemilikan pada awal dan SEOJK 9
Shareholder composition akhir tahun buku, yang terdiri dari informasi mengenai: SEOJK 16
173-183 POJK 17
Names of shareholders and percentage of ownership at the beginning
and end of the financial year, which consists of information regarding:
1. Pemegang saham yang memiliki 5% (lima persen) atau lebih saham
Emiten atau Perusahaan Publik. / Shareholders who own 5% (five
percent) or more shares of Issuers or Public Companies.
2. Anggota Direksi dan anggota Dewan Komisaris yang memiliki
saham Emiten atau Perusahaan Publik.
Dalam hal seluruh anggota Direksi dan/atau seluruh anggota Dewan
Komisaris tidak memiliki saham, maka diungkapkan mengenai hal
tersebut.
2. Members of the Board of Directors and members of the Board of
Commissioners who own shares of Issuers or Public Companies.
In the event that all members of the Board of Directors and/or all
members of the Board of Commissioners do not own shares, then
this matter shall be disclosedthe.
3. Persentase kepemilikan tidak langsung atas saham Emiten atau
Perusahaan Publik oleh anggota Direksi dan anggota Dewan
Komisaris pada awal dan akhir tahun buku, termasuk informasi
mengenai pemegang saham yang terdaftar dalam daftar pemegang
saham untuk kepentingan kepemilikan tidak langsung anggota
Direksi dan anggota Dewan Komisaris.
Dalam hal seluruh anggota Direksi dan/atau seluruh anggota Dewan
Komisaris tidak memiliki kepemilikan tidak langsung atas saham
Emiten atau Perusahaan Publik, maka diungkapkan mengenai hal
tersebut.
3. shares by members of the Board of Directors and members of the
Board of Commissioners at the beginning and end of the financial
year, including information regarding shareholders who are
registered in the register of shareholders for the benefit of indirect
ownership by members of the Board of Directors and members of the
Board of Commissioners. In the event that all members of the Board
of Directors and/or all members of the Board of Commissioners do
not have indirect ownership of the shares of the Issuer or Public
Company, then this matter must be disclosed.
Directors and commissioners who own Shares (Directors and Board
of Commissioners/Supervisory Board must report to the company
regarding their and/or family’s share ownership in the company
concerned and other companies, including any changes thereto).
Tahunan 2023
1150 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 642
OJK
REFERENCE INDEX
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
SEOJK 16
4. Kelompok pemegang saham masyarakat, yaitu kelompok pemegang
saham yang masing-masing memiliki kurang dari 5% (lima
persen) saham Emiten atau Perusahaan Publik. / Group of public
shareholders, namely groups of shareholders who each own less
than 5% (five percent) of the shares of the Issuer or Public Company.
5. Jumlah pemegang saham dan persentase kepemilikan per akhir SEOJK 16
tahun buku berdasarkan klasifikasi: / Number of shareholders and
percentage of ownership at the end of the financial year based on
classification:
a. Kepemilikan institusi lokal. / Ownership of local institutions.
b. Kepemilikan institusi asing. / Ownership of foreign institutions.
c. Kepemilikan individu lokal. / Local individual ownership.
d. Kepemilikan individu asing. / Foreign individual ownership.
Informasi di atas dapat disajikan dalam bentuk tabel. / The above
information can be presented in tabular form.
Pemegang saham utama dan Informasi mengenai pemegang saham utama dan pengendali Emiten SEOJK 9
pengendali atau Perusahaan Publik, baik langsung maupun tidak langsung, sampai SEOJK 16
Major and controlling shareholder kepada pemilik individu, yang disajikan dalam bentuk skema atau
183
bagan. / Information regarding major shareholders and controllers of
Issuers or Public Companies, either directly or indirectly, up to individual
owners, presented in the form of a schematic or chart.
Daftar entitas anak perusahaan Nama entitas anak, perusahaan asosiasi, perusahaan ventura bersama SEOJK 9
asosiasi, perusahaan ventura dimana Emiten atau Perusahaan Publik memiliki pengendalian bersama SEOJK 16
List of associate subsidiaries, venture entitas (jika ada), beserta persentase kepemilikan saham, bidang
companies usaha, total aset, dan status operasi entitas anak, perusahaan asosiasi,
perusahaan ventura bersama.
Untuk entitas anak, ditambahkan informasi mengenai alamat entitas
anak tersebut.
183-189
Names of subsidiaries, associated companies, joint venture companies
where the Issuer or Public Company has joint control of the entity (if
any), along with the percentage of share ownership, line of business,
total assets, and operating status of subsidiaries, associated companies,
joint venture companies.
For subsidiaries, information regarding the address of the subsidiary is
added.
Informasi terkait dengan Kelompok Bank yang merupakan bagian dari suatu kelompok usaha dan/atau SEOJK 9
Usaha Bank memiliki Entitas Anak, harus menambahkan dengan:
191
Information related to the Bank Banks that are part of a business group and/or have Subsidiaries, must
Business Group add:
Struktur kelompok usaha Bank yang meliputi:
The structure of the Bank’s business group which includes:
a. Struktur kelompok usaha Bank, antara lain terdiri dari Bank, Entitas
Anak, perusahaan terelasi (sister company), Entitas Induk sampai
dengan ultimate shareholder. / The structure of the Bank’s business
group consists of the Bank, Subsidiaries, sister companies, Parent
Entity up to the ultimate shareholder.
b. Struktur keterkaitan kepengurusan dalam kelompok usaha Bank. /
Management linkage structure within the Bank’s business group.
c. Pemegang saham yang bertindak atas nama pemegang saham lain.
Pengertian pemegang saham yang bertindak atas nama pemegang
saham lain adalah pemegang saham perorangan atau entitas yang
memiliki tujuan bersama yaitu mengendalikan Bank, berdasarkan
atau tidak berdasarkan suatu perjanjian. / Shareholders acting on
behalf of other shareholders. The definition of a shareholder acting
on behalf of another shareholder is an individual shareholder or an
entity that has the common goal of controlling the Bank, based on
or not based on an agreement.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1151
Page 643
INDEKS
REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
Kronologis pencatatan saham Kronologis pencatatan saham, jumlah saham, jumlah saham tercatat SEOJK 16
Share listing chronology setelah masing-masing tindakan korporasi (corporate action), nilai
nominal, dan harga penawaran dari awal pencatatan hingga akhir
tahun buku serta nama bursa efek dimana saham Emiten atau
Perusahaan Publik dicatatkan, termasuk pemecahan saham (stock split),
penggabungan saham (reverse stock), dividen saham, saham bonus, dan
perubahan nilai nominal saham, pelaksanaan efek konversi, pelaksanaan
penambahan dan pengurangan modal (jika ada).
191-193
Chronology of share listing, number of shares, number of listed shares
after each corporate action, nominal value, and offering price from the
beginning of listing to the end of the financial year as well as the name
of the stock exchange where the Issuer’s or Public Company’s shares
are listed, including stock splits ( stock split), merger of shares (reverse
stock), stock dividends, bonus shares, and changes in the nominal value
of shares, implementation of conversion effects, implementation of
capital additions and reductions (if any).
Informasi pencatatan efek lainnya Informasi pencatatan efek lainnya yang belum jatuh tempo pada tahun SEOJK 16
Information on the listing of other buku paling sedikit memuat nama efek, tahun penerbitan, tingkat suku
securities bunga/imbal hasil, tanggal jatuh tempo, nilai penawaran, dan peringkat
efek (jika ada).
Information on the listing of other securities that are not yet due in the 194-201
financial year at least contains the names of the securities, the type of
corporate action that causes a change in the number of other securities,
year of issue, interest rate/yield, maturity date, offering value, name of
stock exchange where other securities are listed, and securities rating
(if any).
Informasi penggunaan jasa akuntan Informasi penggunaan jasa akuntan publik (AP) dan kantor akuntan SEOJK 16
publik (AP) dan kantor akuntan publik publik (KAP) beserta jaringan/asosiasi/aliansinya meliputi:
(KAP) Information on the use of public accounting services (AP) and public
Information on the use of public accounting firms (KAP) and their networks/associations/alliance includes:
accounting services (AP) and public
accounting firms (KAP) 1. Nama dan alamat. / Name and address.
2. Periode penugasan. / Assignment period.
3. Informasi jasa audit dan/atau non audit yang diberikan. / Information
on audit and/or non-audit services provided.
4. Biaya jasa (fee) audit dan/atau non audit untuk masing- masing
penugasan yang diberikan selama tahun buku. / Audit and/or non- 202
audit service fees for each assignment given during the financial
year.
5. Dalam hal AP dan KAP beserta jaringan/asosiasi/ aliansinya, yang
ditunjuk tidak memberikan jasa non audit, maka diungkapkan
mengenai informasi tersebut. / In the event that the designated AP
and KAP and their network/ association/alliance do not provide non-
audit services, then the information shall be disclosed.
Pengungkapan informasi penggunaan jasa AP dan KAP beserta jaringan/
asosiasi/aliansinya dapat disajikan dalam bentuk tabel.
Disclosure of information on the use of AP and KAP services and their
networks/associations/alliances can be presented in tabular form.
Nama dan alamat lembaga dan/atau SEOJK 16
profesi penunjang. Nama dan alamat lembaga dan/atau profesi penunjang pasar modal
selain AP dan KAP. / Names and addresses of capital market supporting 203-206
Name and address of supporting institutions and/or professions other than AP and KAP.
institution and/or profession.
Penghargaan dan Sertifikasi. Informasi memuat antara lain: SEOJK 9
Awards and Certifications. Information includes, among others:
1. Nama penghargaan dan/atau sertifikasi (berskala nasional dan
internasional). / Name of award and/or certification (national and 207-223
international scale).
2. Tahun perolehan penghargaan dan/atau sertifikasi. / Year of award
and/or certification.
Tahunan 2023
1152 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 644
OJK
REFERENCE INDEX
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
3. Badan pemberi penghargaan dan/atau sertifikasi. / Awarding and/or
certification bodies.
4. Masa berlaku (untuk sertifikasi). / Validity period (for certification).
ANALISIS DAN PEMBAHASAN MANAJEMEN ATAS KINERJA PERUSAHAAN /
MANAGEMENT DISCUSSION AND ANALYSIS OF THE COMPANY’S PERFORMANCE
Rencana Strategis Bank 1. Rencana jangka panjang (corporate plan). / Long term plan SEOJK 13
Bank Strategic Plan (corporate plan). POJK 17
239-247
2. Rencana jangka menengah dan pendek (business plan). / Medium
and short term plans (business plan).
Tinjauan operasi per segmen usaha Tinjauan operasi per segmen usaha sesuai dengan jenis industri Emiten SEOJK 9
Operational review per business atau Perusahaan Publik, paling sedikit mengenai: SEOJK 16
segment Operational review per business segment according to the type of
industry of the Issuer or Public Company, at least concerning:
1. Penjelasan masing-masing segmen usaha. / Explanation of each
265-358
business segment.
2. Kinerja per segmen usaha, antara lain: / Performance per business
segment, among others:
a. Produksi, yang meliputi proses, kapasitas, dan perkembangannya.
265-360
/ Production, which includes process, capacity, and development.
b. Peningkatan/penurunan kapasitas produksi. / Increase/decrease
265-360
in production capacity.
c. Penjualan/pendapatan usaha. / Sales/business income. 361-363
d. Profitabilitas. / Profitability. 361-363
Uraian atas kinerja keuangan Kinerja keuangan komprehensif yang mencakup perbandingan kinerja SEOJK 9
perusahaan keuangan dalam 2 (dua) tahun buku terakhir (dalam bentuk narasi dan SEOJK 16
Description of the company’s financial tabel), penjelasan tentang penyebab adanya perubahan dan dampak
performance perubahan tersebut, paling sedikit mengenai:
Comprehensive financial performance which includes a comparison of
financial performance in the last 2 (two) financial years (in the form of
narratives and tables), an explanation of the causes of the changes and
the impact of these changes, at least concerning:
1. Aset lancar, aset tidak lancar, dan total aset. / Current assets, non- 368-370,
current assets, and total assets. 373-379
2. Liabilitas jangka pendek, liabilitas jangka panjang dan total liabilitas. 370-371,
/ Short term liabilities, long term liabilities and total liabilities. 379-385
3. Penanaman dana (investasi dan pemberian kredit/pembiayaan) dan 376-377,
total aset. / Funding (investment and giving credit/financing). 373
4. Dana pihak ketiga dan sumber pendanaan lain. / Third party funds
379-380
and other funding sources.
5. Ekuitas. / Equity. 372, 385-388
6. Pendapatan/penjualan, beban, laba (rugi), penghasilan komprehensif
lain, dan total laba (rugi) komprehensif. / Income/sales, expenses,
389-396
profit (loss), other comprehensive income, and total comprehensive
profit (loss).
7. Arus kas. / Cash flow. 396-399
8. Suku bunga dasar kredit. / Basic credit interest rate. 407-408 SEOJK 9
Analisis kualitas aset produktif dan SEOJK 9
rasio keuangan yang relevan.
413-421
Analysis of the quality of earning assets
and relevant financial ratios.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1153
Page 645
INDEKS
REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
Bahasan dan analisis tentang Penjelasan tentang / Explanation of: SEOJK 16
kemampuan membayar utang
dan tingkat kolektibilitas piutang 1. Kemampuan membayar hutang, baik jangka pendek (likuiditas)
perusahaan, dengan menyajikan maupun jangka panjang (solvabilitas). / Ability to pay debts, both 399-401
perhitungan rasio yang relevan sesuai short term (liquidity) and long term (solvability).
dengan jenis industri perusahaan.
Discussion and analysis of the ability to
pay debts and the collectability of the
company’s receivables, by presenting 2. Tingkat kolektibilitas piutang. / Receivables collectibility level. 401-406
the calculation of the relevant ratio
according to the type of company’s
industry.
Bahasan tentang struktur modal Penjelasan atas: / Top explanation: SEOJK 16
(capital structure) dan kebijakan
manajemen atas struktur modal (capital 1. Rincian struktur modal (capital structure) yang terdiri dari utang
structure policy). berbasis bunga/sukuk dan ekuitas. / Details of the capital structure
422-423
(capital structure), which consists of interest-based debt/sukuk and
Discussion on capital structure and
equity.
management policies on capital
structure (capital structure policy). 2. Kebijakan manajemen atas struktur modal (capital structure policies).
420-421
/ Management policies on capital structure (capital structure policies).
3. Dasar pemilihan kebijakan manajemen. / Basis for selection of
420-421
management policies.
Bahasan mengenai ikatan yang Penjelasan tentang: / Explanation of: SEOJK 16
material untuk investasi barang modal
(bukan ikatan pendanaan) pada tahun 1. Nama pihak yang melakukan ikatan. / The name of the party making
423
buku terakhir. the bond.
Discussion on material commitments 2. Tujuan dari ikatan tersebut. / The purpose of the bond.
for capital goods investment (not
funding commitments) in the last 3. Sumber dana yang diharapkan untuk memenuhi ikatan- ikatan
financial year. tersebut. / Source of funds expected to fulfill these ties.
4. Mata uang yang menjadi denominasi. / The currency to be
denominated.
5. Langkah-langkah yang direncanakan perusahaan untuk melindungi
risiko dari posisi mata uang asing yang terkait. / The steps the
company plans to take to protect against risks from related foreign
currency positions.
Catatan: apabila perusahaan tidak mempunyai ikatan terkait investasi
barang modal pada tahun buku terakhir agar diungkapkan.
Notes: if the company has no ties related to investment in capital goods
in the last financial year to be disclosed.
Bahasan mengenai investasi barang Penjelasan tentang: / Explanation of: SEOJK 9
modal yang direalisasikan pada tahun SEOJK 16
buku terakhir. 1. Jenis investasi barang modal. / Types of investment in capital goods. 424
Discussion on investment in capital 2. Tujuan investasi barang modal. / The purpose of investing in capital
goods realized in the last financial year. goods.
3. Nilai investasi barang modal yang dikeluarkan pada tahun buku
terakhir. / Investment value of capital goods issued in the last
financial year.
Catatan: apabila tidak terdapat realisasi investasi barang modal, agar
diungkapkan.
Notes: if there is no realization of investment in capital goods, so that
it is disclosed.
Uraian tentang prospek usaha Prospek usaha dari Emiten atau Perusahaan Publik dikaitkan dengan SEOJK 16
perusahaan. kondisi industri, ekonomi secara umum dan pasar internasional disertai
Description of the company’s business data pendukung kuantitatif dari sumber data yang layak dipercaya.
425-428
prospects. The business prospects of Issuers or Public Companies are linked to
industry conditions, the general economy and international markets
accompanied by quantitative supporting data from reliable data sources.
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REFERENCE INDEX
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
Informasi perbandingan antara target Perbandingan antara target/proyeksi pada awal tahun buku dengan SEOJK 16
pada awal tahun buku dengan hasil hasil yang dicapai (realisasi), mengenai:
yang dicapai (realisasi), dan target atau Comparison between targets/projections at the beginning of the
proyeksi yang ingin dicapai untuk satu financial year with the results achieved (realization), regarding:
tahun mendatang.
Comparative information between 1. Pendapatan/penjualan. / Sales revenue. 429-430
targets at the beginning of the
2. Laba (rugi). / Profit and loss. 429-430
financial year with the results achieved
(realization), and targets or projections 3. Struktur modal (capital structure). / Capital structure. 434
to be achieved for the next year.
4. Pemasaran. / Marketing. 430-433
5. Pengembangan SDM. / HR Development. 434-435
6. Hal lainnya yang dianggap penting bagi Emiten atau Perusahaan
Publik. / Other matters deemed important by the Issuer or Public 429-430
Company.
Target/proyeksi yang ingin dicapai Emiten atau Perusahaan Publik untuk
1 (satu) tahun mendatang, mengenai:
Targets/projections to be achieved by Issuers or Public Companies for the
next 1 (one) year, regarding:
1. Pendapatan/penjualan. / Sales revenue. 436
2. Laba (rugi). / Profit and loss. 436
3. Struktur modal (capital structure). / Capital structure. 436
4. Kebijakan dividen. / Dividend policy. 437
5. Pemasaran. / Marketing. 437-439
6. Pengembangan SDM. / HR Development 439
7. Hal lainnya yang dianggap penting bagi Emiten atau Perusahaan
Publik. / Other matters deemed important by the Issuer or Public 436
Company.
Uraian tentang aspek pemasaran. Aspek pemasaran atas barang dan/atau jasa Emiten atau Perusahaan SEOJK 9
Description of the marketing aspect. Publik, paling sedikit mengenai strategi pemasaran dan pangsa pasar. SEOJK 16
248-265
Marketing aspects of the Issuer’s or Public Company’s goods and/or
services, at least regarding marketing strategy and market share.
Uraian mengenai dividen selama 2 Uraian mengenai dividen selama 2 (dua) tahun buku terakhir, paling SEOJK 16
(dua) tahun buku terakhir. sedikit: / Description of dividends for the last 2 (two) financial years,
Description of dividends for the last 2 at least:
(two) financial years.
1. Kebijakan dividen, antara lain memuat informasi persentase jumlah
dividen yang dibagikan terhadap laba bersih. / The dividend policy,
439-440
among other things, contains information on the percentage of the
amount of dividends distributed to net income.
2. Tanggal pembayaran dividen kas dan/atau tanggal distribusi dividen
non kas. / Cash dividend payment date and/or non-cash dividend 440-443
distribution date.
3. Jumlah dividen per saham (kas dan/atau non kas). / Amount of
440-443
dividends per share (cash and/or non-cash).
4. Jumlah dividen per tahun yang dibayar. / The amount of dividends
440-443
per year paid.
Catatan: apabila tidak ada pembagian dividen, agar diungkapkan
alasannya.
Notes: if there is no distribution of dividends, please state the reasons.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1155
Page 647
INDEKS
REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
Realisasi penggunaan dana hasil Memuat uraian mengenai: / Contains descriptions of: SEOJK 16
penawaran umum (dalam hal
perusahaan masih diwajibkan 1. Total perolehan dana. / Total proceeds. 443
menyampaikan laporan realisasi
2. Rencana penggunaan dana. / Fund usage plan.
penggunaan dana)
Realization of the use of proceeds from 3. Rincian penggunaan dana. / Details of use of funds.
the public offering (in the event that
4. Saldo dana. / Fund balance.
the company is still required to submit
a report on the realization of the use 5. Tanggal persetujuan RUPS/RUPO atas perubahan penggunaan dana
of funds) (jika ada). / The date of approval of the GMS/RUPO for changes in
the use of funds (if any).
a. Dalam hal selama tahun buku, Emiten memiliki kewajiban
menyampaikan laporan realisasi penggunaan dana, maka
diungkapkan realisasi penggunaan dana hasil penawaran umum
secara kumulatif sampai dengan akhir tahun buku. / In the
event that during the financial year, the Issuer has an obligation
to submit a report on the realization of the use of funds, the
cumulative realization of the use of proceeds from public
offerings until the end of the financial year is disclosed.
b. Dalam hal terdapat perubahan penggunaan dana sebagaimana
diatur dalam Peraturan Otoritas Jasa Keuangan mengenai
laporan realisasi penggunaan dana hasil penawaran umum,
maka Emiten menjelaskan perubahan tersebut. / In the event
that there is a change in the use of funds as stipulated in the
Financial Services Authority Regulation regarding the report on
the realization of the use of funds from a public offering, the
Issuer shall explain the change.
Catatan: apabila tidak memiliki informasi realisasi penggunaan dana
hasil penawaran umum, agar diungkapkan.
Note: if you do not have information on the realization of the use of
proceeds from a public offering, please disclose it.
Informasi material (jika ada), antara lain Memuat uraian mengenai: SEOJK 16
mengenai investasi, ekspansi, divestasi, Contains descriptions of:
penggabungan/peleburan usaha,
akuisisi, restrukturisasi utang/modal, a. Tanggal, nilai, dan objek transaksi. / Date, value, and transaction
443-451
transaksi material, transaksi afiliasi, dan object.
transaksi benturan kepentingan.
b. Nama pihak yang melakukan transaksi. / The name of the party
Material information (if any), including
conducting the transaction.
investment, expansion, divestment,
business merger/consolidation, c. Sifat hubungan afiliasi (jika ada). / Nature of the affiliation
acquisition, debt/ capital restructuring, relationship (if any).
material transactions, affiliated
transactions, and conflict of interest d. Penjelasan mengenai kewajaran transaksi. / Explanation of the
transactions. fairness of the transaction.
e. Pemenuhan ketentuan terkait. / Fulfillment of related provisions.
f. Dalam hal terdapat hubungan afiliasi, selain mengungkapkan
informasi sebagaimana dimaksud dalam angka a) sampai dengan
angka f), Emiten atau Perusahaan Publik juga mengungkapkan
informasi:
In the event that there is an affiliation relationship, apart from
disclosing the information referred to in number a) through number
f), the Issuer or Public Company also discloses information:
1) Pernyataan Direksi bahwa transaksi afiliasi telah melalui prosedur
yang memadai untuk memastikan bahwa transaksi afiliasi
dilaksanakan sesuai dengan praktik bisnis yang berlaku umum
antara lain dilakukan dengan memenuhi prinsip transaksi yang
wajar (armslength principle). / The Board of Directors’ statement
that affiliated transactions have gone through adequate
procedures to ensure that affiliated transactions are carried out
in accordance with generally accepted business practices, among
others, carried out by fulfilling the arm’s length principle.
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Criteria Explanation Page Regulations
2) Peran Dewan Komisaris dan komite audit dalam melakukan
prosedur yang memadai untuk memastikan bahwa transaksi
afiliasi dilaksanakan sesuai dengan praktik bisnis yang berlaku
umum antara lain dilakukan dengan memenuhi prinsip transaksi
yang wajar (arms length principle). / The role of the Board of
Commissioners and the audit committee in carrying out adequate
procedures to ensure that affiliated transactions are carried out
in accordance with generally accepted business practices, among
others, is carried out by fulfilling the arm’s length principle.
g. Untuk transaksi afiliasi atau transaksi material yang merupakan
kegiatan usaha yang dijalankan dalam rangka menghasilkan
pendapatan usaha dan dijalankan secara rutin, berulang, dan/atau
berkelanjutan, ditambahkan penjelasan bahwa transaksi afiliasi
atau transaksi material tersebut merupakan kegiatan usaha yang
dijalankan dalam rangka menghasilkan pendapatan usaha dan
dijalankan secara rutin, berulang, dan/atau berkelanjutan.
Dalam hal transaksi afiliasi atau transaksi material dimaksud telah
diungkapkan dalam laporan keuangan tahunan, ditambahkan
informasi mengenai rujukan pengungkapan dalam laporan
keuangan tahunan tersebut.
For affiliate transactions or material transactions which are business
activities carried out in order to generate business income and are
carried out routinely, repeatedly and/or continuously, an explanation
is added that the affiliated transactions or material transactions are
business activities carried out in order to generate business income
and are carried out routinely, repeatedly, and/or continuously.
In the case of affiliated transactions or material transactions
referred to have been disclosed in the annual financial statements,
information is added regarding references to disclosure in the said
annual financial statements.
h. Untuk pengungkapan transaksi afiliasi dan/atau transaksi benturan SEOJK 16
kepentingan yang merupakan hasil pelaksanaan transaksi afiliasi SEOJK 13
dan/atau transaksi benturan kepentingan yang telah disetujui
pemegang saham independen, ditambahkan informasi mengenai
tanggal pelaksanaan RUPS yang menyetujui transaksi afiliasi dan/
atau transaksi benturan kepentingan tersebut.
For disclosure of affiliated transactions and/or conflict of interest
transactions which are the result of the implementation of
affiliated transactions and/or conflict of interest transactions that
have been approved by independent shareholders, information is
added regarding the date of the GMS that approves the affiliated
transactions and/or conflict of interest transactions.
i. Dalam hal tidak terdapat transaksi afiliasi dan/atau transaksi
benturan kepentingan, maka diungkapkan mengenai hal tersebut.
In the event that there are no affiliated transactions and/or conflict
of interest transactions, then this is disclosed.
Uraian mengenai perubahan peraturan Uraian memuat antara lain: / The description contains, among others: SEOJK 16
perundang-undangan terhadap
perusahaan pada tahun buku terakhir. 1. Nama peraturan perundang-undangan yang mengalami perubahan.
453-504
/ The names of the laws and regulations that have changed.
Description of changes to laws and
regulations on companies in the last 2. Dampaknya (kuantitatif dan/atau kualitatif) terhadap perusahaan
financial year. (jika signifikan) atau pernyataan bahwa dampaknya tidak signifikan.
/ The impact (quantitative and/or qualitative) on the company (if
significant) or the statement that the impact is not significant.
Catatan: apabila tidak terdapat perubahan peraturan perundang-
undangan pada tahun buku terakhir, agar diungkapkan.
Notes: if there is no change in laws and regulations in the last financial
year, so that it is disclosed.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1157
Page 649
INDEKS
REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
Uraian mengenai perubahan kebijakan Uraian memuat antara lain: / The description contains, among others: SEOJK 16
akuntansi yang diterapkan perusahaan
pada tahun buku terakhir. 1. Perubahan kebijakan akuntansi. / Changes in accounting policies. 504
Description of changes in accounting 2. Alasan perubahan kebijakan akuntansi. / Reasons for changes in
policies implemented by the company accounting policies.
in the last financial year.
3. Dampaknya secara kuantitatif terhadap laporan keuangan. /
Quantitative impact on financial statements.
Catatan: Apabila tidak terdapat perubahan kebijakan akuntansi pada
tahun buku terakhir, agar diungkapkan.
Notes: If there is no change in accounting policy in the last financial
Informasi Eksposur Risiko dan Eksposur risiko dan permodalan meliputi laporan eksposur risiko dan SEOJK 9
Permodalan. permodalan periode tahunan sebagaimana diatur dalam bagian II
Information on Risk Exposure and Laporan publikasi eksposur risiko dan permodalan.
510-577
Capital. Risk exposure and capital includes annual period risk and capital
exposure reports as stipulated in part II of the Publication Report on risk
and capital exposure.
TATA KELOLA PERUSAHAAN / GOOD CORPORATE GOVERNANCE
RUPS. Informasi mengenai keputusan RUPS pada tahun buku dan 1 (satu) SEOJK 16
GMS. tahun sebelum tahun buku meliputi:
635-649
Information regarding GMS resolutions in the financial year and 1 (one)
year before the financial year includes:
a. Keputusan RUPS pada tahun buku dan 1 (satu) tahun sebelum tahun
buku yang direalisasikan pada tahun buku. / GMS resolutions in the
financial year and 1 (one) year prior to the financial year realized in
the financial year.
b. Keputusan RUPS pada tahun buku dan 1 (satu) tahun sebelum tahun
buku yang belum direalisasikan beserta alasan belum direalisasikan.
/ GMS decisions in the financial year and 1 (one) year prior to the
financial year that have not been realized along with the reasons for
not being realized.
Dalam hal Emiten atau Perusahaan Publik menggunakan pihak
independen dalam pelaksanaan RUPS untuk melakukan perhitungan
suara, maka diungkapkan mengenai hal tersebut.
In the event that an Issuer or Public Company uses an independent party
in the implementation of the GMS to carry out the vote count, it shall be
disclosed regarding this matter.
Direksi. 1. Tugas dan tanggung jawab masing-masing anggota Direksi. SEOJK 13
Directors. Informasi mengenai tugas dan tanggung jawab masing-masing SEOJK 16
anggota Direksi diuraikan dan dapat disajikan dalam bentuk tabel. / POJK 17
Duties and responsibilities of each member of the Board of Directors. 655-656
Information regarding the duties and responsibilities of each
member of the Board of Directors is described and can be presented
in tabular form.
2. Pernyataan bahwa Direksi memiliki pedoman atau piagam (charter) SEOJK 16
Direksi. / Statement that the Board of Directors has a guideline or 654
charter (charter) of the Board of Directors.
3. Kebijakan dan pelaksanaan frekuensi rapat Direksi, rapat Direksi SEOJK 16
bersama Dewan Komisaris, dan tingkat kehadiran anggota Direksi
dalam rapat tersebut termasuk kehadiran dalam RUPS. Informasi
tingkat kehadiran anggota Direksi dalam rapat Direksi, rapat Direksi
bersama Dewan Komisaris, atau RUPS dapat disajikan dalam bentuk
tabel. / Policy and implementation of the frequency of meetings of
the Board of Directors, meetings of the Board of Directors with the 659-671
of Commissioners, and the level of attendance of members of the
Board of Directors at these meetings including attendance at the
GMS. Information on the level of attendance of members of the
Board of Directors at meetings of the Board of Directors, meetings
of the Board of Directors with the Board of Commissioners or GMS
can be presented in tabular form.
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KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
4. Pelatihan dan/atau peningkatan kompetensi anggota Direksi: SEOJK 16
Training and/or competency improvement for members of the Board
of Directors:
a. Kebijakan pelatihan dan/atau peningkatan kompetensi anggota
Direksi, termasuk program orientasi bagi anggota Direksi yang
baru diangkat (jika ada). / Policy on training and/or competency
improvement for members of the Board of Directors, including 671-675
an orientation program for newly appointed members of the
Board of Directors (if any).
b. Pelatihan dan/atau peningkatan kompetensi yang diikuti
anggota Direksi dalam tahun buku (jika ada). / Training and/or
competency improvement attended by members of the Board of
Directors in the financial year (if any).
5. Penilaian Direksi terhadap kinerja komite yang mendukung SEOJK 16
pelaksanaan tugas Direksi pada tahun buku paling sedikit memuat:
The Board of Directors’ assessment of the performance of the
committees that support the implementation of the duties of the
Board of Directors in the financial year contains at least:
a. Prosedur penilaian kinerja. / Performance appraisal procedures.
b. Kriteria yang digunakan seperti capaian kinerja selama tahun 677-678
buku, kompetensi dan kehadiran dalam rapat. / The criteria used
include performance achievements during the financial year,
competence and attendance at meetings.
Dalam hal Emiten atau Perusahaan Publik tidak memiliki komite yang
mendukung pelaksanaan tugas Direksi, maka diungkapkan mengenai
hal tersebut. / In the event that the Issuer or Public Company does not
have a committee that supports the implementation of the duties of the
Board of Directors, this will be disclosed.
6. Kepemilikan saham anggota Direksi dan anggota Dewan Komisaris SEOJK 13
yang mencapai 5% (lima persen) atau lebih dari modal disetor, yang POJK 17
meliputi jenis dan jumlah lembar saham pada:
Members of the Board of Commissioners who reach 5% (five
percent) or more of paid-up capital, which includes the type and
number of shares in:
a. Bank yang bersangkutan. / The bank in question. 732-733
b. Bank lain. / other banks.
c. Lembaga keuangan bukan bank. / Non-bank financial
institutions.
d. Perusahaan lain yang berkedudukan baik di dalam maupun di
luar negeri. / Other companies domiciled both inside and outside
the country.
Dewan Komisaris. SEOJK 13
1. Tugas dan tanggung jawab Dewan Komisaris. / Duties and
Board of Commissioners. 679-681 SEOJK 16
responsibilities of the Board of Commissioners.
POJK 17
2. Pernyataan bahwa Dewan Komisaris memiliki pedoman atau SEOJK 16
piagam (charter) Dewan Komisaris. / Statement that the Board
687
of Commissioners has guidelines or charter of the Board of
Commissioners.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1159
Page 651
INDEKS
REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
3. Kebijakan dan pelaksanaan frekuensi rapat Dewan Komisaris, rapat SEOJK 13
Dewan Komisaris bersama Direksi dan tingkat kehadiran anggota SEOJK 16
Dewan Komisaris dalam rapat tersebut termasuk kehadiran dalam
RUPS. Informasi tingkat kehadiran anggota Dewan Komisaris dalam
rapat Dewan Komisaris, rapat Dewan Komisaris bersama Direksi, atau
RUPS dapat disajikan dalam bentuk tabel. / Policy and implementation
of the frequency of meetings of the Board of Commissioners, meetings
696-712
of the Board of Commissioners with the Board of Directors and the
level of attendance of members of the Board of Commissioners at
these meetings including attendance at the GMS. Information on
the level of attendance of members of the Board of Commissioners
at meetings of the Board of Commissioners, meetings between the
Board of Commissioners and the Board of Directors, or GMS can be
presented in tabular form.
4. Pelatihan dan/atau peningkatan kompetensi anggota Dewan SEOJK 16
Komisaris:
Training and/or competency improvement for members of the Board
of Commissioners:
a. Kebijakan pelatihan dan/atau peningkatan kompetensi anggota
Dewan Komisaris, termasuk program orientasi bagi anggota
Dewan Komisaris yang baru diangkat (jika ada). / Policy on
training and/or competency improvement for members of the 713-718
Board of Commissioners, including an orientation program for
newly appointed members of the Board of Commissioners (if
any).
b. Pelatihan dan/atau peningkatan kompetensi yang diikuti anggota
Dewan Komisaris dalam tahun buku (jika ada). / Training and/or
competency improvement attended by members of the Board of
Commissioners in the financial year (if any).
5. Penilaian kinerja Direksi dan Dewan Komisaris serta masing-masing SEOJK 16
anggota Direksi dan anggota Dewan Komisaris, paling sedikit
memuat:
Assessment of the performance of the Board of Directors and the
Board of Commissioners as well as each member of the Board of
Directors and members of the Board of Commissioners, contains at
least:
a. Prosedur pelaksanaan penilaian kinerja. / Procedure for 721-723
implementing performance appraisal.
b. Kriteria yang digunakan seperti capaian kinerja selama tahun
buku, kompetensi dan kehadiran dalam rapat. / The criteria used
include performance achievements during the financial year,
competence and attendance at meetings.
c. Pihak yang melakukan penilaian. / The party making the
assessment.
6. Penilaian Dewan Komisaris terhadap kinerja Komite yang SEOJK 16
mendukung pelaksanaan tugas Dewan Komisaris pada tahun buku
meliputi:
The Board of Commissioners’ assessment of the performance of the
Committees that support the implementation of the duties of the
Board of Commissioners in the financial year includes:
723-725
a. Prosedur penilaian kinerja. / Performance appraisal procedures.
b. Kriteria yang digunakan seperti capaian kinerja selama tahun
buku, kompetensi dan kehadiran dalam rapat. / The criteria used
include performance achievements during the financial year,
competence and attendance at meetings.
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Criteria Explanation Page Regulations
Nominasi dan remunerasi Direksi dan Paling sedikit memuat: / Least load:
Dewan Komisaris.
1. Prosedur nominasi, meliputi uraian singkat mengenai kebijakan SEOJK 16
Nomination and remuneration of
dan proses nominasi anggota Direksi dan/atau anggota Dewan
the Board of Directors and Board of
Komisaris. / Nomination procedures, including a brief description of 727
Commissioners.
the policies and nomination process for members of the Board of
Directors and/or members of the Board of Commissioners.
2. Prosedur dan pelaksanaan remunerasi Direksi dan Dewan Komisaris, SEOJK 16
antara lain:
Procedures and implementation of remuneration for the Board of
Directors and Board of Commissioners, including:
a. Prosedur penetapan remunerasi Direksi dan Dewan Komisaris.
/ Procedure for determining remuneration for the Board of 727-728
Directors and Board of Commissioners.
b. Pengungkapan indikator untuk penetapan remunerasi Direksi. /
Disclosure of indicators for determining the remuneration of the 728
Board of Directors.
c. Struktur remunerasi Direksi dan Dewan Komisaris seperti, gaji,
tunjangan, tantiem/bonus dan lainnya; dan / The remuneration
structure for the Board of Directors and the Board of
Commissioners such as salaries, allowances, bonuses/ bonuses
and others; And
Catatan: apabila tidak terdapat bonus kinerja, bonus non kinerja, dan
opsi saham yang diterima setiap anggota Dewan Komisaris dan Direksi,
agar diungkapkan.
Notes: if there are no performance bonuses, non performance 728-732
bonuses and stock options received by each member of the Board of
Commissioners and Board of Directors, to be disclosed.
d. Besarnya remunerasi masing-masing anggota Direksi dan
anggota Dewan Komisaris;
Pengungkapan informasi dapat disajikan dalam bentuk tabel.
The amount of remuneration for each member of the Board of
Directors and members of the Board of Commissioners;
Disclosure of information can be presented in tabular form.
Dewan pengawas syariah, bagi Paling sedikit memuat: / Least load: SEOJK 16
Emiten atau Perusahaan Publik
yang menjalankan kegiatan a. Nama. / Name. N/A
usaha berdasarkan prinsip syariah
b. Dasar hukum pengangkatan Dewan Pengawas Syariah. / The legal
sebagaimana tertuang dalam anggaran N/A
basis for the appointment of the Sharia Supervisory Board.
dasar.
Sharia supervisory board, for Issuers c. Periode penugasan Dewan Pengawas Syariah. / The assignment
N/A
or Public Companies that carry out period of the Sharia Supervisory Board.
business activities based on sharia
d. Tugas dan tanggung jawab Dewan Pengawas Syariah. / Duties and
principles as stated in the articles of N/A
responsibilities of the Sharia Supervisory Board.
association.
e. Frekuensi dan cara pemberian nasihat dan saran serta pengawasan
pemenuhan prinsip syariah di pasar modal terhadap Emiten atau
Perusahaan Publik. / Frequency and method of providing advice and N/A
suggestions as well as monitoring compliance with sharia principles
in the capital market to Issuers or Public Companies.
Komite Audit. SEOJK 16
1. Nama dan jabatannya dalam keanggotaan komite. / Name and title
Audit Committee. 751-755 POJK 17
in the membership of the committee.
2. Usia. / Age.
3. Kewarganegaraan. / Citizenship.
4. Riwayat pendidikan. / Educational background.
5. Riwayat jabatan, meliputi informasi:
Position history, including information on:
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1161
Page 653
INDEKS
REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
a. Dasar hukum penunjukan sebagai anggota komite. / Legal basis
for appointment as committee member.
b. Rangkap jabatan, baik sebagai anggota Dewan Komisaris,
anggota direksi, dan/atau anggota komite serta jabatan lainnya
(jika ada). / Concurrent positions, both as members of the Board
of Commissioners, members of the board of directors, and/or
committee members and other positions (if any).
c. Pengalaman kerja beserta periode waktunya baik di dalam
maupun di luar emiten atau perusahaan publik. / Work
experience and time period both inside and outside the issuer or
public company.
6. Periode dan masa jabatan anggota komite audit. / Period and tenure
of audit committee members.
7. Uraian tugas dan tanggung jawab. / Description of duties and
741-748
responsibilities.
8. Pernyataan independensi komite audit. / Audit committee
757-760
independence statement.
9. Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam
tahun buku (jika ada). / Training and/or competency improvement 764
that has been attended in the financial year (if any).
10. Kebijakan dan pelaksanaan frekuensi rapat komite audit dan tingkat SEOJK 13
kehadiran anggota komite audit dalam rapat tersebut. / Policy and SEOJK 16
implementation of the frequency of audit committee meetings 760-763 POJK 17
and the level of attendance of audit committee members at these
meetings.
11. Pelaksanaan kegiatan komite audit pada tahun buku sesuai dengan
yang dicantumkan dalam pedoman atau piagam (charter) komite
audit. / Implementation of audit committee activities in the financial 764-765
year according to what is stated in the audit committee guidelines or
charter.
Komite atau fungsi nominasi dan
remunerasi Emiten atau Perusahaan
Publik. Paling sedikit memuat:
774-781
Issuer or Public Company nomination Least load:
and remuneration committee or
function.
1. Nama dan jabatannya dalam keanggotaan komite. / Name and title SEOJK 16
in the membership of the committee. POJK 17
2. Usia. / Age.
3. Kewarganegaraan. / Citizenship.
4. Riwayat pendidikan. / Educational background.
5. Riwayat jabatan, meliputi informasi: / Position history, including
information on:
a. Dasar hukum penunjukan sebagai anggota komite. / Legal basis
for appointment as committee member.
b. Rangkap jabatan, baik sebagai anggota Dewan Komisaris,
anggota Direksi, dan/atau anggota komite serta jabatan lainnya
(jika ada). / Concurrent positions, both as members of the Board
of Commissioners, members of the board of directors, and/or
committee members and other positions (if any).
c. Pengalaman kerja beserta periode waktunya baik di dalam
maupun di luar Emiten atau Perusahaan Publik. / Work
experience and time period both inside and outside the issuer or
public company.
6. Periode dan masa jabatan anggota komite. / Period and tenure of
committee members.
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KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
7. Pernyataan independensi komite. / Committee independence
783-784
statement.
8. Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam
tahun buku (jika ada). / Training and/or competency improvement 788-789
that has been attended in the financial year (if any).
9. Uraian tugas dan tanggung jawab. / Description of duties and
767-771
responsibilities.
10. Pernyataan bahwa telah memiliki pedoman atau piagam (charter). /
767
Statement that already has a guideline or charter.
11. Kebijakan dan pelaksanaan frekuensi rapat dan tingkat kehadiran
anggota dalam rapat tersebut. / Policy and implementation of the
784-788
frequency of meetings and the level of attendance of members at
these meetings.
12. Uraian singkat pelaksanaan kegiatan pada tahun buku. / A brief
789-790
description of the implementation of activities in the financial year.
Dalam hal tidak dibentuk komite nominasi dan remunerasi, Emiten
atau Perusahaan Publik cukup mengungkapkan informasi sebagaimana
dimaksud dalam huruf i) sampai dengan huruf l) dan mengungkapkan:
In the event that a nomination and remuneration committee is not
formed, it is sufficient for the Issuer or Public Company to disclose the
information referred to in letter i) to letter l) and disclose:
1. Alasan tidak dibentuknya komite / The reasons for not forming the
committee
2. Pihak yang melaksanakan fungsi nominasi dan remunerasi. / Parties
carrying out nomination and remuneration functions.
Komite lain yang dimiliki Emiten atau 795-800, SEOJK 16
Paling sedikit memuat: / Least load:
Perusahaan Publik dalam rangka 810-816 POJK 17
mendukung fungsi dan tugas Direksi
(jika ada) dan/atau komite yang 1. Nama dan jabatannya dalam keanggotaan komite. / Name and title
mendukung fungsi dan tugas Dewan in the membership of the committee.
Komisaris.
2. Usia. / Age.
Other committees owned by Issuers or
Public Companies in order to support 3. Kewarganegaraan. / Citizenship.
the functions and duties of the Board
4. Riwayat pendidikan. / Educational background.
of Directors (if any) and/or committees
that support the functions and duties 5. Riwayat jabatan, meliputi informasi: / Position history, including
of the Board of Commissioners. information on:
a. Dasar hukum penunjukan sebagai anggota komite. / Legal basis
for appointment as committee member.
b. Rangkap jabatan, baik sebagai anggota dewan komisaris,
anggota direksi, dan/atau anggota komite serta jabatan lainnya
(jika ada). / Concurrent positions, both as members of the Board
of Commissioners, members of the board of directors, and/or
committee members and other positions (if any).
c. Pengalaman kerja beserta periode waktunya baik di dalam
maupun di luar emiten atau perusahaan publik. / Work
experience and time period both inside and outside the issuer or
public company.
6. Periode dan masa jabatan anggota komite. / Period and tenure of
committee members.
7. Pernyataan independensi komite. / Committee independence
801, 818
statement.
8. Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam
804-805,
tahun buku (jika ada). / Training and/or competency improvement
821-822
that has been attended in the financial year (if any).
2023 Annual Report
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Page 655
INDEKS
REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
9. Uraian tugas dan tanggung jawab. / Description of duties and 791-792,
responsibilities. 806-807
10. Pernyataan bahwa telah memiliki pedoman atau piagam (charter)
791, 806
komite. / Statement that already has a guideline or charter.
11. Kebijakan dan pelaksanaan frekuensi rapat komite dan tingkat
kehadiran anggota komite dalam rapat tersebut. / Policy and 801-804,
implementation of the frequency of meetings and the level of 818-821
attendance of members at these meetings.
12. Uraian singkat pelaksanaan kegiatan komite pada tahun buku. / A
brief description of the implementation of activities in the financial 805, 822
year.
Sekretaris perusahaan. 1. Nama. / Name. 828 SEOJK 16
Company secretary.
2. Domisili. / Domicile.
3. Riwayat jabatan, meliputi:
Position history, including:
a. Dasar hukum penunjukan sebagai sekretaris perusahaan. / Legal
basis for appointment as company secretary.
b. Pengalaman kerja beserta periode waktunya baik di dalam
maupun di luar emiten atau perusahaan publik. / Work
experience and time period both inside and outside the issuer or
public company.
4. Riwayat pendidikan. / Educational background.
5. Pelatihan dan/atau peningkatan kompetensi yang diikuti dalam
tahun buku. / Training and/or competency improvement attended in 826-827
the financial year.
6. Uraian singkat pelaksanaan tugas sekretaris perusahaan pada tahun
buku. / Brief description of the implementation of the duties of the 827
corporate secretary in the financial year.
Unit Audit Internal. 1. Nama kepala unit audit internal. / Name of the head of the internal SEOJK 16
827
Internal Audit Unit. audit unit. POJK 17
2. Riwayat jabatan, meliputi: / Position history, including:
a. Dasar hukum penunjukan sebagai kepala unit audit internal. /
Legal basis for appointment as company secretary.
b. Pengalaman kerja beserta periode waktunya baik di dalam
maupun di luar emiten atau perusahaan publik. / Work
experience and time period both inside and outside the issuer or
public company.
3. Kualifikasi atau sertifikasi sebagai profesi audit internal (jika ada). /
Qualification or certification as internal audit profession (if any).
4. Jumlah pegawai (auditor internal) pada unit audit internal. / Number
832
of employees (internal auditors) in the internal audit unit.
5. Pelatihan dan/atau peningkatan kompetensi yang diikuti dalam
tahun buku. / Training and/or competency improvement attended in 832-834
the financial year.
6. Struktur dan kedudukan unit audit internal. / The structure and
828
position of the internal audit unit.
7. Uraian tugas dan tanggung jawab. / Description of duties and
830-831
responsibilities.
8. Pernyataan bahwa telah memiliki pedoman atau piagam (charter)
unit audit internal. / A statement that the internal audit unit has 830
guidelines or charters.
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REFERENCE INDEX
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
9. Uraian singkat pelaksanaan tugas unit audit internal pada tahun
buku termasuk kebijakan dan pelaksanaan frekuensi rapat dengan
direksi, dewan komisaris, dan/ atau komite audit. / A brief description
of the implementation of the duties of the internal audit unit in 836-840
the financial year including the policy and implementation of the
frequency of meetings with the directors, board of commissioners
and/or the audit committee.
Akuntan Publik. 1. Nama dan tahun akuntan publik yang melakukan audit laporan POJK 17
Public Accountant. keuangan tahunan selama 5 tahun terakhir. / The name and year of
969-970
the public accountant who audited the annual financial statements
for the last 5 years.
2. Nama dan tahun Kantor Akuntan Publik yang melakukan audit
laporan keuangan tahunan selama 5 tahun terakhir. / The name
and year of the public accountant who audited the annual financial
statements for the last 5 years.
3. Besarnya fee untuk masing-masing jenis jasa yang diberikan oleh
Kantor Akuntan Publik pada tahun buku terakhir. / The amount of
the fee for each type of service provided by the Public Accounting
Firm in the last financial year.
4. Jasa lain yang diberikan Kantor Akuntan Publik dan akuntan publik
selain jasa audit laporan keuangan tahunan pada tahun buku
terakhir. / Other services provided by the Public Accounting Firm
and public accountants in addition to auditing the annual financial
statements for the last financial year.
Catatan: apabila tidak ada jasa lain dimaksud, agar diungkapkan.
Notes: if there is no other service in question, so that it is disclosed.
Uraian mengenai sistem pengendalian 1. Pengendalian keuangan dan operasional, serta kepatuhan terhadap SEOJK 13
internal (internal Control) yang peraturan perundang-undangan lainnya. / Financial and operational 971-978 SEOJK 16
diterapkan oleh emiten atau control, as well as compliance with other laws and regulations.
perusahaan Publik.
2. Tinjauan atas efektivitas sistem pengendalian internal. / Review of
Description of the internal control 980-981
the effectiveness of the internal control system.
system implemented by the issuer or
public company. 3. Pernyataan Direksi dan/atau Dewan Komisaris atas kecukupan SEOJK 16
sistem pengendalian internal. / Statement of the Board of Directors
981
and/or Board of Commissioners regarding the adequacy of the
internal control system.
Sistem manajemen risiko yang 1. Gambaran umum mengenai sistem manajemen risiko Emiten atau SEOJK 16
diterapkan oleh Emiten Atau Perusahaan Publik. / General description of the Issuer’s or Public 982-988 SEOJK 13
Perusahaan Publik. Company’s risk management system.
Risk management system implemented
2. Jenis risiko dan cara pengelolaannya. / Types of risk and how to
by Issuers or Public Companies. 990-998
manage them.
3. Tinjauan atas efektivitas sistem manajemen risiko Emiten atau
Perusahaan Publik. / Review of the effectiveness of the Issuer’s or 1001
Public Company’s risk management system.
4. Pernyataan Direksi dan/atau Dewan Komisaris atau komite audit atas SEOJK 16
kecukupan sistem manajemen risiko. / Statement of the Board of
1002
Directors and/or Board of Commissioners or the audit committee on
the adequacy of the risk management system.
Fungsi kepatuhan. Tingkat kepatuhan Bank terhadap seluruh ketentuan dan peraturan SEOJK 13
Compliance function. perundang-undangan serta pemenuhan komitmen dengan otoritas POJK 17
yang berwenang. / The level of the Bank’s compliance with all provisions 1002-1009
and laws and regulations as well as fulfillment of commitments with the
competent authorities.
2023 Annual Report
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REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
Perkara hukum yang berdampak 1. Pokok perkara/gugatan. / Main case/lawsuit. SEOJK 16
material yang dihadapi Oleh emiten 1014-1059
atau perusahaan publik, entitas anak, 2. Status penyelesaian perkara/gugatan. / Case/lawsuit settlement
Anggota direksi dan anggota dewan status.
komisaris (jika ada).
3. Pengaruhnya terhadap kondisi emiten atau perusahaan publik. / The
Legal cases with a material impact impact on the condition of issuers or public companies. The risks
faced by issuers or public companies, faced by the company and the nominal value of claims/lawsuits.
subsidiaries, members of the board of
directors and members of the board of 4. Pengungkapan mengenai permasalahan hukum paling sedikit SEOJK 13
commissioners (if any). mencakup:
Disclosure regarding legal issues at least includes:
a. jumlah permasalahan perdata dan permasalahan pidana
yang dihadapi dan telah mendapat putusan yang mempunyai
kekuatan hukum tetap. / the number of civil and criminal cases
faced and decisions that have permanent legal force.
b. jumlah permasalahan perdata dan permasalahan pidana yang
dihadapi dan masih dalam proses penyelesaian. / the number of
civil and criminal matters faced and still in the process of being
resolved.
Catatan: dalam hal perusahaan, entitas anak, anggota Dewan
Komisaris, dan anggota Direksi tidak memiliki perkara penting, agar
diungkapkan.
Notes: in the event that the company, subsidiaries, members of the
Board of Commissioners and members of the Board of Directors do not
have important matters, this must be disclosed.
Informasi tentang sanksi administratif/ SEOJK 16
sanksi yang Dikenakan kepada emiten
atau perusahaan publik, Anggota
Dewan Komisaris dan anggota direksi,
oleh Otoritas jasa keuangan dan
otoritas lainnya pada tahun Buku (jika
ada).
1059
Information on administrative
sanctions/sanctions imposed on issuers
or public companies, board members
commissioners and members of the
board of directors, by the Financial
Services Authority and other authorities
in the financial year (if any).
Informasi mengenai kode etik Emiten 1. Pokok-pokok kode etik. / Principles of the code of ethics. 1075 SEOJK 16
atau Perusahaan Publik.
2. Bentuk sosialisasi kode etik dan upaya penegakannya / Forms of
Information regarding the code of 1076
dissemination of the code of ethics and enforcement efforts
ethics of Issuers or Public Companies
3. Pernyataan bahwa kode etik berlaku bagi anggota Direksi, anggota
Dewan Komisaris, dan karyawan Emiten atau Perusahaan Publik
/ Statement that the code of ethics applies to members of the 1076
Board of Directors, members of the Board of Commissioners, and
employees of the Issuer or Public Company
Penerapan Tata Kelola dalam 1. Komite Remunerasi / Remuneration Committee POJK 45
Pemberian Remunerasi bagi Bank. a. Nama anggota, komposisi, tugas dan tanggung jawab. / Name
Implementation of Governance in of members, composition, duties and responsibilities.
Providing Remuneration for Banks. b. Jumlah rapat yang dilakukan. / Number of meetings held.
959
c. Remunerasi yang telah dibayarkan kepada anggota Komite
Remunerasi selama 1 (satu) tahun. / Remuneration that has been
paid to members of the Remuneration Committee for 1 (one)
year.
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KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
2. Proses penyusunan kebijakan Remunerasi yang meliputi:
Remuneration policy formulation process which includes:
a. Tinjauan mengenai latar belakang dan tujuan kebijakan
Remunerasi. / Review of the background and objectives of the
Remuneration policy.
b. Pelaksanaan kaji ulang atas kebijakan Remunerasi pada tahun
sebelumnya, beserta perbaikannya. / Implementation of a review
960
of the Remuneration policy in the previous year, along with its
improvements.
c. Mekanisme untuk memastikan bahwa Remunerasi bagi
Pegawai di unit kontrol bersifat independen dari unit kerja
yang diawasinya. / Mechanism to ensure that Remuneration for
Employees in the control unit is independent from the work unit
they supervise.
3. Cakupan kebijakan Remunerasi dan implementasinya per unit
bisnis, per wilayah dan pada perusahaan anak atau kantor cabang
yang berlokasi di luar negeri / Remuneration policy coverage and its 961
implementation per business unit, per region and in subsidiaries or
branch offices located overseas
4. Remunerasi dikaitkan dengan risiko yang meliputi:
Remuneration is associated with risks that include:
a. Jenis risiko utama (key risk) yang digunakan dalam menerapkan
Remunerasi. / The main type of risk (key risk) used in
implementing Remuneration.
b. Kriteria untuk menentukan jenis risiko utama, termasuk untuk
risiko yang sulit diukur. / Criteria for determining the main types
of risk, including for risks that are difficult to measure. 961
c. Dampak penetapan risiko utama terhadap kebijakan Remunerasi
yang Bersifat Variabel. / The impact of determining the main risk
on the Variable Remuneration policy.
d. Perubahan penentuan jenis risiko utama dibandingkan dengan
tahun lalu beserta alasannya, apabila ada. / Changes in the
determination of the main types of risk compared to last year
and the reasons, if any.
5. Pengukuran kinerja dikaitkan dengan Remunerasi yang meliputi:
Performance measurement is associated with Remuneration which
includes:
a. Tinjauan mengenai kebijakan Remunerasi yang dikaitkan dengan
penilaian kinerja. / Review of Remuneration policies linked to
performance appraisal.
b. Metode dalam mengaitkan Remunerasi individu dengan kinerja
Bank, kinerja unit kerja dan kinerja individu. / The method of
linking individual Remuneration with Bank performance, work
961-962
unit performance and individual performance.
c. Uraian mengenai metode yang digunakan Bank untuk
menyatakan bahwa kinerja yang disepakati tidak dapat tercapai
sehingga perlu dilakukan penyesuaian atas remunerasi serta
besarnya penyesuaian remunerasi jika kondisi tersebut terjadi.
/ A description of the method used by the Bank to state that
the agreed performance cannot be achieved, so it is necessary
to make adjustments to remuneration and the amount of
remuneration adjustments if this condition occurs.
6. Penyesuaian Remunerasi dikaitkan dengan Kinerja dan Risiko yang
meliputi:
Remuneration Adjustment is related to Performance and Risk which
includes:
a. Kebijakan mengenai Remunerasi yang Bersifat Variabel yang
ditangguhkan, besarannya, dan kriteria untuk menetapkan
besaran tersebut. / Policy regarding Variable Remuneration that
is deferred, the amount, and the criteria for determining the 962-963
amount.
b. Kebijakan Bank mengenai Remunerasi yang Bersifat Variabel
yang ditangguhkan yang ditunda pembayarannya (malus),
atau ditarik kembali apabila sudah dibayarkan (clawback). / The
Bank’s policy regarding Variable Deferred Remuneration which is
postponed for payment (malus), or withdrawn when it has been
paid (clawback).
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REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
7. Nama konsultan ekstern dan tugas konsultan terkait kebijakan
Remunerasi, apabila Bank menggunakan jasa konsultan ekstern. /
The name of the external consultant and the duties of the consultant 963
related to the Remuneration policy, if the Bank uses the services of
an external consultant.
8. Paket Remunerasi dan fasilitas yang diterima oleh Direksi dan
Dewan Komisaris mencakup struktur Remunerasi dan rincian jumlah
nominal. / The Remuneration Package and facilities received by 963
the Board of Directors and Board of Commissioners include the
Remuneration structure and details of the nominal amount.
9. Remunerasi yang Bersifat Variabel, meliputi:
Variable Remuneration includes:
a. Bentuk Remunerasi yang Bersifat Variabel beserta alasan
pemilihan bentuk tersebut. dan / Forms of Variable Remuneration
along with the reasons for choosing this form. And
963
b. Penjelasan apabila terdapat perbedaan pemberian Remunerasi
yang Bersifat Variabel di antara para Direksi, Dewan Komisaris
dan/atau Pegawai. / An explanation if there are differences in the
provision of Variable Remuneration among the Directors, Board
of Commissioners and/or Employees.
10. Jumlah Direksi, Dewan Komisaris dan Pegawai yang menerima
Remunerasi yang Bersifat Variabel selama 1 (satu) tahun, dan total
nominalnya. / The number of Directors, Board of Commissioners and 964
Employees who receive Variable Remuneration for 1 (one) year, and
the total amount.
11. Jabatan dan jumlah pihak yang menjadi material risk takers. /
964
Position and number of parties who are material risk takers.
12. Shares option yang dimiliki Direksi, Dewan Komisaris, dan Pejabat
Eksekutif. / Shares optionowned by the Board of Directors, Board of 965
Commissioners and Executive Officers.
13. Rasio gaji tertinggi dan terendah / The ratio of the highest and
965
lowest salaries
14. Jumlah penerima dan jumlah total Remunerasi yang Bersifat Variabel
yang dijamin tanpa syarat akan diberikan oleh Bank kepada calon
Direksi, calon Dewan Komisaris, dan/atau calon Pegawai selama 1
(satu) tahun pertama bekerja / The number of beneficiaries and the
965
total amount of Variable Remuneration guaranteed unconditionally
will be given by the Bank to candidates for the Board of Directors,
candidates for the Board of Commissioners, and/or prospective
Employees during the first 1 (one) year of work
15. Jumlah Pegawai yang terkena pemutusan hubungan kerja dan total
nominal pesangon yang dibayarkan / The number of employees
965
affected by termination of employment and the total amount of
severance paid
16. Jumlah total Remunerasi yang Bersifat Variabel yang ditangguhkan,
yang terdiri dari tunai dan/atau saham atau instrumen yang berbasis
saham yang diterbitkan Bank. / The total amount of deferred 966
Variable Remuneration, which consists of cash and/or shares or
share-based instruments issued by the Bank.
17. Jumlah total Remunerasi yang Bersifat Variabel yang ditangguhkan
yang dibayarkan selama 1 (satu) tahun. / The total amount of 966
deferred Variable Remuneration paid for 1 (one) year.
Tahunan 2023
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OJK
REFERENCE INDEX
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
18. Rincian jumlah Remunerasi yang diberikan dalam satu tahun
meliputi:
Details of the amount of Remuneration given in one year include:
a. Remunerasi yang bersifat tetap maupun variabel. / Fixed or
variable remuneration.
b. Remunerasi yang ditangguhkan dan tidak ditangguhkan. / 966
Deferred and non-deferred remuneration.
c. Bentuk Remunerasi yang diberikan secara tunai dan/atau saham
atau instrumen yang berbasis saham yang diterbitkan Bank. /
Forms of Remuneration provided in cash and/or shares or share-
based instruments issued by the Bank.
19. Informasi kuantitatif mengenai:
Quantitative information about:
a. Total sisa Remunerasi yang masih ditangguhkan baik yang
terekspos penyesuaian implisit maupun eksplisit. / The total
remaining Remuneration that is still suspended, both exposed to
implicit and explicit adjustments.
b. Total pengurangan Remunerasi yang disebabkan karena
967
penyesuaian eksplisit selama periode laporan. / Total reduction
in Remuneration caused by explicit adjustments during the
reporting period.
c. Total pengurangan Remunerasi yang disebabkan karena
penyesuaian implisit selama periode laporan. / Total reduction
in Remuneration caused by implicit adjustments during the
reporting period.
Dalam hal pemberian kompensasi berupa program Kepemilikan saham SEOJK 16
Uraian singkat mengenai kebijakan
oleh manajemen (management stock Ownership program/MSOP) dan/
pemberian Kompensasi jangka panjang
atau program Kepemilikan saham oleh karyawan (employee stock
berbasis kinerja kepada manajemen
Ownership program/ESOP).
dan/ atau karyawan yang dimiliki
oleh emiten Atau perusahaan publik Informasi yang diungkapkan Paling sedikit memuat:
(jika ada), antara lain berupa Program In terms of compensation in the form of management stock ownership
kepemilikan saham oleh manajemen program (MSOP) and/or employee stock ownership program (ESOP).
(management stock
The information disclosed shall contain at least:
ownership program/MSOP) dan/atau
Program kepemilikan saham oleh 1. Jumlah saham dan/atau opsi. / Number of shares and/or options. 968
karyawan (employee Stock ownership
program/ESOP). 2. Jangka waktu pelaksanaan. / Implementation period.
A brief description of the policy of 3. Persyaratan karyawan dan/atau manajemen yang berhak. / Eligible
providing performance-based longterm employee and/or management requirements.
compensation to management and/
or employees owned by issuers or
public companies (if any), including
but not limited to management 4. Harga pelaksanaan atau penentuan harga pelaksanaan. / The
stock ownership programs program exercise price or the determination of the exercise price.
ownership/MSOP) and/or employee
stock ownership program (ESOP).
1. Kepemilikan saham anggota Direksi dan anggota Dewan Komisaris SEOJK 16
paling lambat 3 (tiga) hari kerja Setelah terjadinya kepemilikan atau
setiap Perubahan kepemilikan atas saham perusahaan Terbuka. /
Uraian singkat mengenai kebijakan Share ownership of members of the Board of Directors and members 733-734
pengungkapan Informasi mengenai of the Board of Commissioners no later than 3 (three) working days
A brief description of the Information after the ownership or any change in ownership of the shares of the
disclosure policy regarding Public Company.
2. Pelaksanaan atas kebijakan dimaksud. / Implementation of the
intended policy.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1169
Page 661
INDEKS
REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
Uraian mengenai sistem pelaporan 1. Cara penyampaian laporan pelanggaran. / How to submit a violation SEOJK 16
1077
pelanggaran (whistleblowing system) report.
di Emiten atau Perusahaan Publik.
2. Perlindungan bagi pelapor. / Protection for reporters. 1078-1079
Description of the whistleblowing
system at the Issuer or Public Company. 3. Penanganan pengaduan. / The handling of complaints. 1078
4. Pihak yang mengelola pengaduan. / The party managing the
1080
complaint.
5. Hasil dari penanganan pengaduan, paling sedikit:
1081
The results of handling complaints, at least:
a. Jumlah pengaduan yang masuk dan diproses Dalam tahun buku.
/ Number of complaints received and processed in the financial
year.
b. Tindak lanjut pengaduan. / Complaint follow-up.
Dalam hal emiten atau perusahaan publik tidak memiliki Sistem
pelaporan pelanggaran (whistleblowing system), Maka diungkapkan
mengenai hal tersebut. / In the event that an issuer or a public company
does not have a whistleblowing system, this will be disclosed.
Uraian mengenai kebijakan anti korupsi 1. Program dan prosedur yang dilakukan dalam Mengatasi praktik SEOJK 16
Emiten atau Perusahaan Publik. korupsi, balas jasa (kickbacks), Fraud, suap dan/atau gratifikasi dalam POJK 17
Description of the Issuer’s or Public Emiten atau Perusahaan Publik. / Programs and procedures carried 1081-1084
Company’s anti-corruption policy. out in Overcoming corrupt practices, kickbacks, fraud, bribery and/
or gratuities in Issuers or Public Companies.
2. Pelatihan/sosialisasi anti korupsi kepada karyawan Emiten atau
Perusahaan Publik. / Anti-corruption training/socialization for 1085
employees of Issuers or Public Companies.
Dalam hal Emiten atau Perusahaan Publik tidak memiliki Kebijakan anti
korupsi, maka dijelaskan alasan tidak Dimilikinya kebijakan dimaksud.
/ In the event that the Issuer or Public Company does not have an
anticorruption policy, the reasons for not having the said policy will be
explained.
Penanganan benturan kepentingan SEOJK 13
1096-1097 POJK 17
Handling conflicts of interest
Penyediaan dana kepada pihak terkait Informasi yang perlu diungkap adalah jumlah total baki debet SEOJK 13
(related party) dan penyediaan dana penyediaan dana kepada pihak terkait (related party) dan kepada
besar (large exposure). debitur inti (individu atau grup) per posisi laporan / Information that
1095-1096
Provision of funds to related parties needs to be disclosed is the total amount of debit balances for provision
and provision of large funds (large of funds to related parties and to core debtors (individuals or groups)
exposure). per report position
Transparansi kondisi keuangan dan SEOJK 13
non keuangan Bank yang belum POJK 17
diungkap dalam laporan lain.
1096-1097
Transparency of the Bank’s financial
and non-financial conditions that have
not been disclosed in other reports.
Informasi lain yang terkait dengan SEOJK 13
Tata Kelola Bank, antara lain berupa
intervensi pemilik, perselisihan intern
atau permasalahan yang timbul
sebagai dampak kebijakan remunerasi
pada Bank.
1095
Other information related to Bank
Governance, including owner
intervention, internal disputes or
problems that arise as a result of
remuneration policies at the Bank.
Tahunan 2023
1170 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 662
OJK
REFERENCE INDEX
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
Jumlah Penyimpangan (Internal Fraud). Pengungkapan mengenai penyimpangan (internal fraud) paling sedikit SEOJK 13
Number of Deviations (Internal Fraud). mencakup: / Disclosure of irregularities (internal fraud) at least includes:
1. Jumlah penyimpangan (internal fraud) yang telah diselesaikan. /
Number of deviations (internal fraud) that have been resolved.
2. Jumlah penyimpangan (internal fraud) yang sedang dalam proses
penyelesaian di internal bank. / The number of irregularities (internal
fraud) that are in the process of being resolved internally at the bank. 1086
3. Jumlah penyimpangan (internal fraud) yang belum diupayakan
penyelesaian di internal bank. / Number of irregularities (internal
fraud) that have not been resolved internally at the bank.
4. Jumlah penyimpangan (internal fraud) yang telah ditindaklanjuti
melalui proses hukum. / The number of irregularities (internal fraud)
that have been followed up through the legal process.
Pembelian Kembali (Buy Back) Saham 1. Kebijakan dalam melakukan pembelian kembali (buy back) saham SEOJK 13
dan/atau Obligasi Bank. atau obligasi Bank. / Policy in buying back shares or bonds of the
Buy Back of Shares and/or Bank Bonds. Bank.
2. Jumlah lembar saham dan/atau obligasi yang dibeli kembali. /
Number of shares and/or bonds bought back. 1087
3. Harga pembelian kembali per lembar saham dan/atau obligasi. /
Repurchase price per share and/or bond.
4. Peningkatan laba per lembar saham dan/atau obligasi. / Increase in
earnings per share and/or bonds.
Pemberian Dana untuk Kegiatan Sosial Pengungkapan mengenai pemberian dana untuk kegiatan sosial dan/ SEOJK 13
dan/atau Kegiatan Politik Selama atau kegiatan politik paling sedikit meliputi pihak penerima dana dan
Periode Pelaporan. jumlah dana yang diberikan.
1086-1087
Provision of Funds for Social Activities Disclosure regarding the provision of funds for social activities and/or
and/or Political Activities During the political activities at least includes the recipient of the funds and the
Reporting Period. amount of funds provided.
Penerapan keuangan berkelanjutan, POJK 17
termasuk penerapan tanggung jawab
sosial dan lingkungan
1085
Implementation of sustainable finance,
including implementation of social and
environmental responsibility
Penerapan atas pedoman tata kelola 1. Pernyataan mengenai rekomendasi yang telah dilaksanakan dan/ SEOJK 16
Perusahaan Terbuka bagi Emiten yang atau / Statement regarding recommendations that have been 1107-1121
menerbitkan efek bersifat ekuitas atau implemented and/or
Perusahaan Publik.
2. Penjelasan atas rekomendasi yang belum dilaksanakan, disertai
Implementation of Public Company
alasan dan alternatif pelaksanaannya (jika ada). / Explanation of
governance guidelines for Issuers
recommendations that have not been implemented, accompanied
that issue equity securities or Public
by reasons and alternatives for implementation (if any).
Companies.
Pengungkapan informasi dapat disajikan dalam bentuk tabel. /Disclosure
of information can be presented in tabular form.
TANGGUNG JAWAB SOSIAL DAN LINGKUNGAN EMITEN ATAU PERUSAHAAN PUBLIK /
SOCIAL AND ENVIRONMENTAL RESPONSIBILITY OF THE ISSUER OR PUBLIC COMPANY
Tanggung Jawab Sosial Perusahaan. 1. Informasi yang diungkapkan dalam bagian tanggung jawab sosial SEOJK 16
Corporate Social Responsibility dan lingkungan merupakan Laporan Keberlanjutan (Sustainability
Report) sebagaimana dimaksud dalam Peraturan Otoritas Jasa
Keuangan Nomor 51/POJK.03/2017 tentang Penerapan Keuangan
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan
Publik, paling sedikit memuat:
1140
The information disclosed in the social and environmental
responsibility section is a Sustainability Report as intended in
Financial Services Authority Regulation Number 51/POJK.03/2017
concerning the Implementation of Sustainable Finance for Financial
Services Institutions, Issuers and Public Companies, containing at
least :
a) Penjelasan strategi keberlanjutan. / Explanation of sustainability
strategy.
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1171
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INDEKS
REFERENSI OJK
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
b) Ikhtisar aspek keberlanjutan (ekonomi, sosial, dan lingkungan
hidup). / Overview of sustainability aspects (economic, social and
environmental).
c) Profil singkat Emiten atau Perusahaan Publik. / Brief profile of the
Issuer or Public Company.
d) Penjelasan Direksi. / Directors’ Explanation.
e) Tata kelola keberlanjutan. / Sustainability governance.
f) Kinerja keberlanjutan. / Sustainability performance.
g) Verifikasi tertulis dari pihak independen, jika ada. / Written
verification from an independent party, if any.
h) Lembar umpan balik (feedback) untuk pembaca, jika ada. /
Feedback sheet for readers, if any.
i) Tanggapan Emiten atau Perusahaan Publik terhadap umpan balik
laporan tahun sebelumnya. / The Issuer’s or Public Company’s
response to feedback from the previous year’s report.
2. Laporan Keberlanjutan sebagaimana dimaksud pada angka
1), harus disusun sesuai Pedoman Teknis Penyusunan Laporan
Keberlanjutan (Sustainability Report) Bagi Emiten dan Perusahaan
Publik sebagaimana tercantum dalam Lampiran II yang merupakan
bagian tidak terpisahkan dari Surat Edaran Otoritas Jasa Keuangan
ini. / Sustainability Report as referred to in number 1), must be
prepared in accordance with the Technical Guidelines for Preparing
Sustainability Reports for Issuers and Public Companies as stated in
Appendix II which is an inseparable part of this Financial Services
Authority Circular Letter.
3. Informasi Laporan Keberlanjutan (Sustainability Report) pada angka
1) dapat:
Sustainability Report information in number 1) can:
a) Diungkapkan pada bagian lain yang relevan di luar bagian
tanggung jawab sosial dan lingkungan, seperti penjelasan Direksi
terkait Laporan Keberlanjutan diungkapkan dalam bagian terkait
Laporan Direksi; dan/atau / Disclosed in other relevant sections
outside the social and environmental responsibility section, such
as the Directors’ explanation regarding the Sustainability Report
disclosed in the relevant section of the Directors’ Report; and/or
b) Merujuk pada bagian lain di luar bagian tanggung jawab sosial
dan lingkungan dengan tetap mengacu pada Pedoman Teknis
Penyusunan Laporan Keberlanjutan (Sustainability Report) Bagi
Emiten dan Perusahaan Publik sebagaimana tercantum dalam
Lampiran II yang merupakan bagian tidak terpisahkan dari Surat
Edaran Otoritas Jasa Keuangan ini, seperti profil Emiten atau
Perusahaan Publik. / Refer to other sections outside the social
and environmental responsibility section while still referring to
the Technical Guidelines for Preparing Sustainability Reports for
Issuers and Public Companies as listed in Appendix II which is
an inseparable part of this Financial Services Authority Circular
Letter, such as the profile Issuer or Public Company.
4. Laporan Keberlanjutan (Sustainability Report) sebagaimana
dimaksud pada angka 1) merupakan bagian yang tidak terpisahkan
dari Laporan Tahunan namun dapat disajikan secara terpisah
dengan Laporan Tahunan. / The Sustainability Report as referred to
in number 1) is an inseparable part of the Annual Report but can be
presented separately from the Annual Report.
5. Dalam hal Laporan Keberlanjutan disajikan secara terpisah dengan
Laporan Tahunan, informasi yang diungkapkan dalam Laporan
Keberlanjutan dimaksud harus:
In the event that the Sustainability Report is presented separately
from the Annual Report, the information disclosed in the
Sustainability Report must:
Tahunan 2023
1172 Laporan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Page 664
OJK
REFERENCE INDEX
KRITERIA PENJELASAN HALAMAN REGULASI
Criteria Explanation Page Regulations
a) Memuat seluruh informasi sebagaimana dimaksud pada angka
1); dan / Contains all information as intended in number 1); And
b) Disusun sesuai Pedoman Teknis Penyusunan Laporan
Keberlanjutan (Sustainability Report) Bagi Emiten dan
Perusahaan Publik sebagaimana tercantum dalam Lampiran
II yang merupakan bagian tidak terpisahkan dari Surat Edaran
Otoritas Jasa Keuangan ini. / Prepared in accordance with the
Technical Guidelines for Preparing Sustainability Reports for
Issuers and Public Companies as stated in Appendix II which is
an inseparable part of this Financial Services Authority Circular
Letter.
6. Dalam hal Laporan Keberlanjutan disajikan secara terpisah dengan
Laporan Tahunan, maka dalam bagian tanggung jawab sosial
dan lingkungan memuat informasi bahwa informasi mengenai
tanggung jawab sosial dan lingkungan telah diungkapkan dalam
Laporan Keberlanjutan yang disajikan secara terpisah dari Laporan
Tahunan. / If the Sustainability Report is presented separately from
the Annual Report, then the social and environmental responsibility
section contains information that information regarding social and
environmental responsibility has been disclosed in the Sustainability
Report which is presented separately from the Annual Report.
7. Penyampaian Laporan Keberlanjutan (Sustainability Report)
yang disajikan secara terpisah dengan Laporan Tahunan harus
disampaikan bersamaan dengan penyampaian Laporan Tahunan. /
Submission of a Sustainability Report which is presented separately
with the Annual Report must be submitted simultaneously with the
submission of the Annual Report.
Keterangan / Information
SEOJK 16 : Surat Edaran Otoritas Jasa Keuangan No. 16/SEOJK.04/2021 tentang Bentuk dan Isi Laporan Tahunan Emiten atau Perusahaan Publik.
OJK Circular Letter No. 16/SEOJK.04/2021 concerning Form and Content of Annual Reports of Issuers or Public Companies
SEOJK 9 : Surat Edaran Otoritas Jasa Keuangan No. 9/SEOJK.03/2020 tentang Transparansi dan Publikasi Laporan Bank Umum Konvensional.
OJK Circular Letter No. 9/SEOJK.03/2020 concerning Transparency and Publication of Conventional Commercial Bank Reports.
SEOJK 13 Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Umum.
OJK Circular Letter No. 13/SEOJK.03/2017 concerning Implementation of Governance for Commercial Banks.
POJK 45 : Peraturan Otoritas Jasa Keuangan No. 45/POJK.03/2015 tentang Penerapan Tata Kelola Dalam Pemberian Remunerasi Bagi Bank
Umum.
OJK Regulation No. 45/POJK.03/2015 concerning Implementation of Governance in Providing Remuneration for Commercial Banks.
POJK 17 : Peraturan Otoritas Jasa Keuangan 17 Tahun 2023 Tentang Penerapan Tata Kelola Bagi Bank Umum.
OJK Regulation 17 of 2023 concerning the Implementation of Governance for Commercial Banks
2023 Annual Report
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. 1173
Page 665
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES Laporan Keuangan Konsolidasian Consolidated Financial Statements Untuk Tahun-Tahun yang Berakhir For the Years Ended Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022 Draft/February 29, 2024 paraf:
Page 666
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
Daftar Isi Halaman/ Table of Contents
Page
Surat Pernyataan Direksi Directors’ Statement Letter
Laporan Auditor Independen Independent Auditor’s Report
Laporan Keuangan Konsolidasian Consolidated Financial Statements
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
Laporan Posisi Keuangan Consolidated Statements of
1
Konsolidasian Financial Position
Laporan Laba Rugi dan Penghasilan Consolidated Statements of Profit or Loss and
4
Komprehensif Lain Konsolidasian Other Comprehensive Income
Laporan Perubahan Ekuitas Consolidated Statements of
6
Konsolidasian Changes in Equity
Laporan Arus Kas Konsolidasian 7 Consolidated Statements of Cash Flows
Catatan Atas Laporan Keuangan Notes to the Consolidated
9
Konsolidasian Financial Statements
Page 667
Page 668
Page 669
Page 670
Page 671
Page 672
Page 673
Page 674
Page 675
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
LAPORAN POSISI KEUANGAN CONSOLIDATED STATEMENTS OF
KONSOLIDASIAN FINANCIAL POSITION
Per 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
31 Desember/ 31 Desember/
Catatan/ December 31, December 31,
Notes 2023 2022
ASET ASSETS
Kas 4 3,530,074 3,300,031 Cash
Giro pada Current accounts with Bank
Bank Indonesia 2e,5 14,879,767 13,032,593 Indonesia
Giro pada bank lain Current accounts with other banks
- pihak ketiga 2e,6 1,196,787 1,243,695 third parties -
Cadangan kerugian
penurunan nilai 2m (57) (68) Allowance for impairment losses
1,196,730 1,243,627
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain Indonesia and other banks
- pihak ketiga 2f,7 3,886,989 7,156,807 third parties -
Cadangan kerugian
penurunan nilai 2m (296) (2,133) Allowance for impairment losses
3,886,693 7,154,674
Tagihan derivatif 2j,2m,8 1,289 17,388 Derivative receivables
Surat berharga Marketable securities
- pihak ketiga 2g,9 30,976,967 27,387,574 third parties -
Cadangan kerugian
penurunan nilai 2m (11,357) (5,256) Allowance for impairment losses
30,965,610 27,382,318
Tagihan atas efek-efek yang dibeli dengan janji Receivable from marketable securities purchased
dijual kembali 2h,2m,10 - 5,468,915 under agreements to resell
Wesel ekspor dan tagihan lainnya Bills and other receivables
- pihak ketiga 2i,2m,11 689,974 843,826 third parties -
Cadangan kerugian
penurunan nilai 2m (351) - Allowance for impairment losses
689,623 843,826
Kredit yang diberikan Loans
- pihak berelasi 2ee,2k,43 710,248 466,150 related parties -
- pihak ketiga 2k,12 115,589,821 107,873,542 third parties -
116,300,069 108,339,692
Cadangan kerugian
penurunan nilai 2m (1,913,951) (1,631,811) Allowance for impairment losses
114,386,118 106,707,881
Pembiayaan dan piutang Sharia financing and
syariah - setelah dikurangi receivables - less
margin ditangguhkan unamortized margin
- pihak berelasi 2ee,43 10,881 - related parties -
- pihak ketiga 2l,13 8,767,233 7,415,908 third parties -
Cadangan kerugian
penurunan nilai 2m (216,946) (159,875) Allowance for impairment losses
8,561,168 7,256,033
Tagihan akseptasi 2n,14 288,944 227,970 Acceptances receivable
Cadangan kerugian
penurunan nilai 2m (519) (2,374) Allowance for impairment losses
288,425 225,596
Penyertaan saham Investment in shares
- pihak berelasi 2o,15,42,43 190,089 142,093 related parties -
Cadangan kerugian
penurunan nilai 2m (1,303) (1,303) Allowance for impairment losses
188,786 140,790
Aset tetap dan aset hak guna Fixed assets and right-of-use assets
Harga perolehan 7,225,400 6,683,040 Cost
Akumulasi penyusutan 2p (2,429,907) (2,119,791) Accumulated depreciation
Nilai buku 2p,16 4,795,493 4,563,249 Book value
Aset pajak tangguhan - neto 2bb,26c 62,046 189,749 Deferred tax assets - net
Bunga yang masih akan diterima 17 1,367,656 1,169,105 Accrued interest income
Aset lain-lain - neto 2d, 2aa, 2m,2q,2r,2s,18 3,496,010 2,545,516 Other assets - net
TOTAL ASET 188,295,488 181,241,291 TOTAL ASSETS
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
laporan keuangan konsolidasian secara keseluruhan consolidated financial statements as a whole
Approval for Printing paraf:
1
Page 676
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
LAPORAN POSISI KEUANGAN CONSOLIDATED STATEMENTS OF
KONSOLIDASIAN (Lanjutan) FINANCIAL POSITION (Continued)
Per 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
31 Desember/ 31 Desember/
Catatan/ December 31, December 31,
Notes 2023 2022
LIABILITAS, DANA SYIRKAH LIABILITIES, TEMPORARY
TEMPORER DAN EKUITAS SYIRKAH FUND AND EQUITY
LIABILITAS LIABILITIES
Liabilitas segera 2d, 2t,19 2,212,830 2,403,981 Obligations due immediately
Simpanan nasabah 2d, 2u,20 Deposits from customers
- pihak berelasi 2ee,43 6,401,344 9,884,589 related parties -
- pihak ketiga 120,077,043 112,134,754 third parties -
126,478,387 122,019,343
Simpanan nasabah - Syariah 2d, 2u,20 Deposits from customers - Sharia
- pihak berelasi 2ee,43 480 274 related parties -
- pihak ketiga 947,836 795,705 third parties -
948,316 795,979
Simpanan dari bank lain 2d, 2v,21 Deposits from other banks
- pihak berelasi 2ee,43 86,755 96,339 related parties -
- pihak ketiga 2,454,785 4,365,451 third parties -
2,541,540 4,461,790
Liabilitas derivatif 2d, 2j,8 23 2,207 Derivatives payable
Liabilitas akseptasi 2d, 2n,14 288,944 227,970 Acceptances payable
Liabilitas atas efek-efek yang dijual dengan janji Liabilities from marketable securities sold under
dibeli kembali 2h,2m,22 4,244,805 3,081,103 agreements to repurchase
Efek utang yang diterbitkan 2d, 1f,2w,23 957,991 1,871,461 Debt securities issued
Pinjaman yang diterima 2d, 2x, 24 Borrowings
- pihak ketiga 20,323,823 17,533,761 third parties -
Estimasi kerugian Estimated losses on
komitmen dan kontinjensi 2mm,25 13,131 10,747 commitments and contingencies
Utang pajak 2bb,26a 82,159 139,347 Taxes payable
Bunga dan bagi hasil yang 27 Interest and revenue sharing
masih harus dibayar 285,191 254,160 payable
Liabilitas imbalan kerja pasti 2cc,41 293,605 291,904 Defined employee benefits liability
Liabilitas lain-lain 2d, 28 1,229,508 1,347,965 Other liabilities
Obligasi subordinasi 2d, 32 3,678,849 3,679,163 Subordinated bonds
TOTAL LIABILITAS 163,579,102 158,120,881 TOTAL LIABILITIES
Dana syirkah temporer 2u,29 Temporary syirkah fund
Bukan bank Non-bank
- pihak berelasi 2ee,43 9,316 7,148 related parties -
- pihak ketiga 9,172,780 8,316,448 third parties -
9,182,096 8,323,596
Bank Bank
- pihak ketiga 85,272 50,828 third parties -
Total dana syirkah temporer 9,267,368 8,374,424 Total temporary syirkah fund
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
laporan keuangan konsolidasian secara keseluruhan consolidated financial statements as a whole
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Page 677
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
LAPORAN POSISI KEUANGAN CONSOLIDATED STATEMENTS OF
KONSOLIDASIAN (Lanjutan) FINANCIAL POSITION (Continued)
Per 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
31 Desember/ 31 Desember/
Catatan/ December 31, December 31,
Notes 2023 2022
EKUITAS EQUITY
Ekuitas yang dapat diatribusikan Equity attributable to equity
kepada entitas induk holders of the parent entity
Modal saham Share capital
nilai nominal Rp250 Rp250 (full amount)
(nilai penuh) per saham par value per share
Modal dasar: Authorized capital:
Seri A - 9.600.000.000 saham Class A - 9,600,000,000 shares
Seri B - 6.400.000.000 saham Class B - 6,400,000,000 shares
Modal ditempatkan dan disetor
penuh: Issued and fully paid capital:
Seri A - 7.414.714.661 saham dan Class A - 7,414,714,661 shares and
Seri B - 3.106.729.025 saham Class B - 3,106,729,025 shares
Per 31 Desember 2023 dan 2022 2ii,30 2,630,361 2,630,361 As of December 31, 2023 and 2022
Tambahan modal disetor 2hh, 31 1,812,876 1,812,876 Additional paid in capital
Surplus dari revaluasi aset tetap 2,164,733 2,169,577 Revaluation surplus of fixed assets
Keuntungan (kerugian) yang belum direalisasi atas Unrealized gains (losses) from
aset keuangan yang diukur pada nilai wajar financial asset measured at fair value
melalui penghasilan komprehensif lain through other comprehensive income
- setelah pajak tangguhan (289,695) (420,813) - net of deferred tax
Pengukuran kembali Remeasurement
liabilitas imbalan kerja pasti of defined employee benefit liability
- setelah pajak tangguhan (167,121) (166,272) - net of deferred tax
Saldo laba 2jj Retained earnings
- telah ditentukan penggunaannya 4,784,697 4,785,382 appropriated -
- belum ditentukan penggunaannya 4,623,341 3,947,964 unappropriated -
Total ekuitas yang dapat diatribusikan Total equity attributable to equity
kepada entitas induk 15,559,192 14,759,075 holders of the parent entity
Kepentingan non-pengendali 44 (110,174) (13,089) Non-controlling interest
TOTAL EKUITAS 15,449,018 14,745,986 TOTAL EQUITY
TOTAL LIABILITAS, DANA TOTAL LIABILITIES,
SYIRKAH TEMPORER TEMPORARY SYIRKAH FUND
DAN EKUITAS 188,295,488 181,241,291 AND EQUITY
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
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Page 678
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
LAPORAN LABA RUGI DAN PENGHASILAN CONSOLIDATED STATEMENTS OF
KOMPREHENSIF LAIN PROFIT OR LOSS AND OTHER
KONSOLIDASIAN (Lanjutan) COMPREHENSIVE INCOME (Continued)
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
31 Desember/ 31 Desember/
Catatan/ December 31, December 31,
Notes 2023 2022
PENDAPATAN INTEREST AND SHARIA
BUNGA DAN SYARIAH INCOME
Pendapatan bunga 2y,34 13,287,106 12,816,082 Interest income
Pendapatan syariah 2y,34 916,628 772,467 Sharia income
Pendapatan provisi dan komisi 2z,34 34,001 35,228 Provision and commission income
Pendapatan provisi dan komisi syariah 2z,34 20,474 12,197 Sharia provision and commission income
14,258,209 13,635,974
BEBAN BUNGA DAN INTEREST EXPENSE AND
BAGI HASIL SYARIAH 2y,35 (7,194,587) (5,227,996) SHARIA PROFIT SHARING
PENDAPATAN BUNGA NET INTEREST
DAN SYARIAH NETO 7,063,622 8,407,978 AND SHARIA INCOME
PENDAPATAN OPERASIONAL
LAINNYA 36 OTHER OPERATING INCOME
Provisi dan komisi selain dari Non-loan related provisions and
kredit yang diberikan 1,196,432 1,051,115 commissions
Penerimaan kembali kredit
yang telah dihapus buku 335,778 365,404 Recoveries from loans written-off
Keuntungan transaksi Gain from foreign exchange
valuta asing - neto 14,095 23,826 transactions - net
Keuntungan yang belum direalisasi dari Unrealized gain on changes in
perubahan nilai wajar surat berharga - neto 86,529 49,315 at fair valuesecurites
fair value of marketable through -- net
net
Keuntungan yang belum direalisasi dari Unrealized gain on changes in
perubahan nilai wajar penyertaan saham - neto 40,041 - fair value ofatinvestment
fair value through
shares -- net
net
Lain-lain 249,380 150,028 Others
1,922,255 1,639,688
BEBAN OPERASIONAL LAINNYA 37 OTHER OPERATING EXPENSES
General and administrative
Beban umum dan administrasi (2,725,498) (2,744,760) expenses
Beban tenaga kerja dan tunjangan (2,580,668) (3,242,167) Salaries and employee benefits
Penyisihan kerugian penurunan nilai Provision for impairment losses on
atas aset keuangan dan financial and non-financial
non keuangan - neto (746,262) (223,976) assets - net
Kerugian dari penjualan Loss on sale of
surat berharga - neto (23,164) (92,808) marketable securities - net
Pembalikan kerugian Reversal of losses on
komitmen dan kontinjensi 631 13,192 commitments and contingencies
Lain-lain (762,191) (908,289) Others
(6,837,152) (7,198,808)
LABA OPERASIONAL 2,148,725 2,848,858 OPERATING INCOME
BEBAN NON-OPERASIONAL - NETO 38 (22,358) (13,240) NON-OPERATING EXPENSES - NET
LABA SEBELUM INCOME BEFORE
BEBAN PAJAK 2,126,367 2,835,618 TAX EXPENSE
BEBAN PAJAK - NETO 2bb,26b (445,190) (590,336) TAX EXPENSE - NET
LABA TAHUN BERJALAN 1,681,177 2,245,282 INCOME FOR THE YEAR
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
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Page 679
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
LAPORAN LABA RUGI DAN PENGHASILAN CONSOLIDATED STATEMENTS OF
KOMPREHENSIF LAIN PROFIT OR LOSS AND OTHER
KONSOLIDASIAN (Lanjutan) COMPREHENSIVE INCOME (Continued)
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
31 Desember/ 31 Desember/
Catatan/ December 31, December 31,
Notes 2023 2022
PENGHASILAN KOMPREHENSIF LAIN: OTHER COMPREHENSIVE INCOME:
Akun yang tidak akan Items that will not be
direklasifikasikan ke laba rugi reclassified to profit and loss
Pengukuran kembali atas program Remeasurement of defined
imbalan pasti 41 (39,442) (24,657) benefit plan
Revaluasi aset tetap 16 (4,844) (31,191) Fixed assets revaluation
Pajak penghasilan 38,593 4,824 Income tax
Akun yang akan Items that will be
direklasifikasikan ke laba rugi reclassified to profit and loss
Keuntungan
Keuntungan (kerugian)
(kerugian) dari
yangperubahan
belum direalisasi atas Unrealized gains (losses) from
nilai
aset aset
keuangan
keuangan
yangdalam
diukurkelompok
pada nilai wajar financial asset measured at fair value
nilai
melalui
wajar
penghasilan
melalui penghasilan
komprehensif lain through other comprehensive income
- setelah pajak penghasilan 131,107 (412,236) - net of tax
Penghasilan Komprehensif
Lain Tahun Berjalan - Setelah Other Comprehensive
Pajak Penghasilan 125,414 (463,260) Income for the Year - After Tax
TOTAL LABA KOMPREHENSIF TOTAL COMPREHENSIVE INCOME
TAHUN BERJALAN 1,806,591 1,782,022 FOR THE YEAR
LABA TAHUN BERJALAN
YANG DAPAT DIATRIBUSIKAN INCOME FOR THE YEAR
KEPADA: ATTRIBUTABLE TO:
Pemilik entitas induk 1,778,395 2,304,376 Equity holders of the parent entity
Kepentingan non-pengendali 44 (97,218) (59,094) Non-controlling interest
TOTAL 1,681,177 2,245,282 TOTAL
TOTAL LABA KOMPREHENSIF TOTAL COMPREHENSIVE
YANG DAPAT DIATRIBUSIKAN INCOME FOR THE YEAR
KEPADA: ATTRIBUTABLE TO:
Pemilik entitas induk 1,903,820 1,840,482 Equity holders of the parent entity
Kepentingan non-pengendali (97,229) (58,460) Non-controlling interest
TOTAL 1,806,591 1,782,022 TOTAL
LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE
YANG DAPAT DIATRIBUSIKAN ATTRIBUTABLE TO EQUITY
KEPADA PEMILIK HOLDERS OF THE
ENTITAS INDUK PARENT ENTITY
(NILAI PENUH) 2dd,42 169.03 219.02 (FULL AMOUNT)
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Page 680
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN Tbk JAWA BARAT DAN BANTEN Tbk
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
Keuntungan/(kerugian)
yang belum direalisasi
Pengukuran kembali atas aset keuangan yang Total ekuitas
liabilitas yang diukur pada nilai yang dapat
imbalan kerja pasti wajar melalui penghasilan diatribusikan
Modal - setelah pajak komprehensif lain - kepada pemilik
ditempatkan tangguhan/ Surplus dari setelah pajak tangguhan/ entitas induk/
dan disetor Tambahan Remeasurement revaluasi Unrealized gains (losses) from Total equity
penuh/ modal of defined employee aset tetap/ financial asset measured at Saldo Laba/Retained Earnings attributable to Kepentingan
Issued and disetor/ benefit liability Revaluation fair value through other Telah ditentukan Belum ditentukan equity holders non-pengendali/
Catatan/ fully paid Additional - net of surplus of comprehensive income penggunaannya/ penggunaannya/ of the parent Non-controlling Total ekuitas/
Notes capital paid-in capital deferred tax fixed assets - net of deferred tax Appropriated Unappropriated entity interest Equity
Saldo per 31 Desember 2021 2,459,697 1,058,541 (146,439) 2,201,402 (8,577) 3,813,887 3,657,863 13,036,374 47,659 13,084,033 Balance as of December 31, 2021
Pembagian Laba tahun 2021 Distribution of 2021 income:
Cadangan umum 33 - - - - - 971,495 (971,495) - - - General reserve
Dividen kas 2ff, 33 - - - - - - (1,042,780) (1,042,780) (2,288) (1,045,068) Cash dividend
Tambahan Modal disetor 170,664 754,335 - - - - - 924,999 - 924,999 Additional paid capital
Laba tahun berjalan - - - - - - 2,304,376 2,304,376 (59,094) 2,245,282 Income (loss) for the year
Laba (rugi) komprehensif Other comprehensive income (loss)
tahun berjalan - - (19,833) (31,825) (412,236) - - (463,894) 634 (463,260) for the year
Saldo per 31 Desember 2022 2,630,361 1,812,876 (166,272) 2,169,577 (420,813) 4,785,382 3,947,964 14,759,075 (13,089) 14,745,986 Balance as of December 31, 2022
Pembagian Laba tahun 2022 Distribution of 2022 income:
Cadangan umum 33 - - - - - (685) - (685) 685 - General reserve
Dividen kas 2ff, 33 - - - - - - (1,100,017) (1,100,017) - (1,100,017) Cash dividend
Perubahan atas pelepasan entitas anak - - - - - - (3,001) (3,001) (541) (3,542) Changes in due to disposal of subsidiaries
Laba tahun berjalan - - - - - - 1,778,395 1,778,395 (97,218) 1,681,177 Income (loss) for the year
Laba (rugi) komprehensif Other comprehensive income (loss)
tahun berjalan - - (849) (4,844) 131,118 - - 125,425 (11) 125,414 for the year
Saldo per 31 Desember 2023 2,630,361 1,812,876 (167,121) 2,164,733 (289,695) 4,784,697 4,623,341 15,559,192 (110,174) 15,449,018 Balance as of December 31, 2023
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Page 681
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
LAPORAN ARUS KAS CONSOLIDATED
KONSOLIDASIAN STATEMENTS OF CASH FLOWS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
31 Desember/ 31 Desember/
Catatan/ December 31, December 31,
Notes 2023 2022
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
OPERASI OPERATING ACTIVITIES
Penerimaan bunga, provisi dan komisi 12,370,613 12,711,595 Interest and commissions received
Penerimaan pendapatan syariah 937,102 784,664 Sharia income fees received
Pembayaran bunga (6,800,492) (4,898,216) Interest expenses paid
Pembayaran bagi hasil syariah (363,064) (244,294) Sharia profit sharing paid
Pembayaran beban karyawan (2,578,967) (3,125,806) Employee expenses paid
Pembayaran beban umum dan General and administrative
administrasi (2,348,388) (2,744,760) expenses paid
Penerimaan dari pendapatan Receipts from other
operasional lainnya 1,163,489 1,138,447 operating income
Penerimaan kredit yang
telah dihapus buku 335,778 365,404 Recoveries from loan written - off
Pembayaran beban lainnya (809,060) (1,035,802) Other expenses paid
Pembayaran pajak penghasilan (459,714) (563,340) Income tax paid
Penerimaan kas sebelum Receipts from cash before
perubahan dalam aset changes in operating
dan liabilitas operasi 1,447,297 2,387,892 assets and liabilities
Penurunan dalam Decrease in
aset operasi: operating assets:
Surat berharga (1,025,437) (10,926,130) Marketable securities
Tagihan atas efek-efek yang dibeli dengan janji Receivable from marketable securities
dijual kembali 5,468,915 (2,339,883) purchased under agreement to resell
Wesel ekspor dan tagihan lainnya 153,852 (355,914) Bills and other receivables
Kredit yang diberikan dan Loans and
pembiayaan dan piutang syariah (9,322,583) (13,306,536) sharia financing and receivables
Tagihan derivatif 16,099 (13,421) Derivatives receivable
Tagihan akseptasi (60,974) (63,987) Acceptances receivable
Aset lain-lain (198,551) (904,446) Other assets
Kenaikan (penurunan) Increase (decrease)
dalam liabilitas operasi: in operating liabilities:
Liabilitas segera (191,151) 599,423 Obligations due immediately
Simpanan: Deposits:
Giro (2,890,653) (1,121,940) Current accounts
Tabungan 4,584,519 2,262,626 Savings account
Deposito berjangka 3,358,122 8,352,744 Time deposits
Simpanan dari bank lain (1,920,250) 2,580,313 Deposits from other banks
Liabilitas atas efek-efek yang dijual dengan janji Liabilities from marketable securities sold
dibeli kembali 1,163,702 3,081,103 under agreements to repurchase
Liabilitas lain-lain (39,503) (177,915) Other liabilities
Liabilitas akseptasi 60,974 63,987 Acceptances payable
Liabilitas derivatif (2,184) 2,207 Derivatives payable
Utang pajak 10,165 9,235 Taxes payable
Arus kas neto digunakan untuk Net cash used in
aktivitas operasi 612,359 (9,870,642) operating activities
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
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Page 682
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
LAPORAN ARUS KAS CONSOLIDATED
KONSOLIDASIAN (Lanjutan) STATEMENTS OF CASH FLOWS (Continued)
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise stated)
31 Desember/ 31 Desember/
Catatan/ December 31, December 31,
Notes 2023 2022
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
INVESTASI INVESTING ACTIVITIES
Penerimaan dividen kas 15 685 5,960 Cash dividends received
Penerimaan dari surat berharga
yang telah jatuh tempo 438,147 - Proceeds from matured securities
Penempatan pada surat berharga (2,511,135) - Placements in securities
Pembelian aset tetap 16 (489,544) (513,133) Acquisitions of fixed assets
Penjualan aset tetap 16 1,293 - Sale of fixed assets
Penyertaan Saham - (99,969) Investments Shares
Arus kas neto Net cash
digunakan untuk aktivitas investasi (2,560,554) (607,142) used in investing activities
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
PENDANAAN FINANCING ACTIVITIES
Penerimaan dari Proceeds
pinjaman yang diterima 24 8,279,249 12,449,516 from borrowings
Pembayaran pinjaman yang diterima 24 (5,489,187) (7,077,422) Payment of borrowings
Pembayaran dividen kas 33 (1,100,017) (1,042,780) Cash dividend paid
Pembayaran liabilitas sewa (78,954) (41,109) Payment of lease liability
Penerimaan dari obligasi subordinasi 32 - 1,000,000 Proceeds from subordinated bonds
Pembayaran obligasi subordinasi 32 - (307,000) Payment for subordinated bonds
Pembayaran efek hutang Payment from debt
yang diterbitkan 23 (916,500) (534,300) securities issued
Penerimaan penambahan modal - 923,345 Proceeds from additional capital
Biaya emisi obligasi - (3,635) Bonds issuance cost
Arus kas neto diperoleh dari Net cash provided by
aktivitas pendanaan 694,591 5,366,615 financing activities
PENURUNAN NETO NET INCREASE (DECREASE) IN
KAS DAN SETARA KAS (1,253,604) (5,058,486) CASH AND CASH EQUIVALENTS
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
PADA AWAL TAHUN 24,733,126 29,767,787 AT BEGINNING OF THE YEAR
DAMPAK BERSIH PERUBAHAN NET EFFECT OF CHANGES
NILAI TUKAR ATAS KAS DAN IN EXCHANGE RATE ON CASH
SETARA KAS 14,095 23,825 AND CASH EQUIVALENTS
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
PADA AKHIR TAHUN 23,493,617 24,733,126 AT THE END OF THE YEAR
Kas dan setara kas pada akhir Cash and cash equivalents at
tahun terdiri dari: end of the year consisted of:
Kas 4 3,530,074 3,300,031 Cash
Current accounts with
Giro pada Bank Indonesia 5 14,879,767 13,032,593 Bank Indonesia
Current accounts with
Giro pada bank lain 6 1,196,787 1,243,695 other banks
Penempatan pada Bank
Indonesia dan bank lain - Placements with Bank
jangka waktu jatuh tempo Indonesia and other banks -
tiga bulan atau kurang sejak maturing within three months or
tanggal perolehan 7 3,886,989 7,156,807 less since the acquisition date
Total kas dan setara kas 23,493,617 24,733,126 Total cash and cash equivalents
*Lihat Catatan 55 atas laporan keuangan *See Note 55 to the financial statements
untuk pengungkapan informasi tambahan arus kas for the supplemental disclosures of cashflow information
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. Informasi Umum 1. General Information
a. Pendirian dan informasi umum Bank a. Establishment and general information about
the Bank
PT Bank Pembangunan Daerah Jawa Barat dan PT Bank Pembangunan Daerah Jawa Barat dan
Banten Tbk (“Bank”) didirikan berdasarkan Banten Tbk (the “Bank”) was established based on
Peraturan Pemerintah No. 33 tahun 1960 tentang the Government Regulation No. 33 year 1960
penentuan perusahaan milik Belanda di Indonesia regarding the nationalization of a Dutch-owned
yang dikenakan nasionalisasi. Salah satu company domiciled in Indonesia. The regulation
perusahaan milik Belanda yang berkedudukan di applied to a Dutch - owned company, N.V. Denis
Bandung yaitu N.V. Denis (De Eerste (De Eerste Nederlandsche Indische Shareholding),
Nederlandsche Indische Shareholding) terkena which was then handed over to the Regional
ketentuan tersebut dan diserahkan kepada Government of West Java Province Level I. The
Pemerintah Daerah Provinsi Daerah Tingkat I Bank started its commercial operations on
Jawa Barat. Bank telah mulai beroperasi secara May 20, 1961.
komersial pada tanggal 20 Mei 1961.
Sebagai tindak lanjut dari Peraturan Pemerintah Following the Government Regulation No. 33 year
No. 33 tahun 1960, Pemerintah Daerah Provinsi 1960, the Regional Government of West Java
Daerah Tingkat I Jawa Barat mendirikan Bank Province Level I established Bank Karya
Karya Pembangunan, dengan Akta Notaris Pembangunan, as covered by Notarial Deeds No.
Noezar No. 152 tanggal 21 Maret 1961 dan 152 dated March 21, 1961 and No. 184 dated May
No. 184 tanggal 13 Mei 1961 yang kemudian 13, 1961 of Noezar which was approved based on
dikukuhkan dengan Surat Keputusan Gubernur Decision Letter of the Governor of
Provinsi Jawa Barat No. 7/GKDN/BPD/61 tanggal West Java Province No. 7/GKDN/BPD/61 dated
20 Mei 1961 dengan nama PD Bank Karya May 20, 1961, using the name of PD Bank Karya
Pembangunan Daerah Jawa Barat. Berdasarkan Pembangunan Daerah Jawa Barat. Based
Peraturan Daerah Provinsi Jawa Barat on Provincial Government Regulation
No. 11/PD-DPRD/72 tanggal 27 Juni 1972, No. 11/PD-DPRD/72 dated June 27, 1972 of West
kedudukan hukum PD Bank Karya Pembangunan Java Province, the legal status of PD Bank Karya
Daerah Jawa Barat dikukuhkan sebagai Pembangunan Daerah Jawa Barat was changed to
Perusahaan Daerah yang berusaha become a Regional Enterprise engaged in a
di bidang perbankan. Selanjutnya, melalui banking business. Subsequently, based on
Peraturan Daerah Provinsi Jawa Barat Provincial Government Regulation No. 1/DP-
No. 1/DP-40/PD/1978 tanggal 27 Juni 1978, 40/PD/1978 dated June 27, 1978 of West Java
nama PD Bank Karya Pembangunan Daerah Province, PD Bank Karya Pembangunan Daerah
Jawa Barat diubah menjadi Bank Pembangunan Jawa Barat changed its name to Bank
Daerah Jawa Barat. Bank Pembangunan Daerah Pembangunan Daerah Jawa Barat. Bank
Jawa Barat mendapat sebutan “Bank Jabar” dan Pembangunan Daerah Jawa Barat obtained its
logo baru berdasarkan Peraturan Daerah trade name of “Bank Jabar” and a new logo based
No. 11 tahun 1995. on Provincial Government Regulation No. 11 year
1995.
Berdasarkan Surat Keputusan Direksi Bank Based on the Decision Letter
Indonesia No. 25/84/KEP/DIR tanggal No. 25/84/KEP/DIR dated November 2, 1992 of the
2 November 1992, Bank memperoleh status Directors of Bank Indonesia, the Bank obtained the
sebagai bank devisa. status of a foreign exchange bank.
Penyesuaian bentuk badan hukum Bank menjadi The change in the Bank’s legal status to a Limited
Perseroan Terbatas dinyatakan dalam Akta Liability Corporation was stated under Notarial
Notaris No. 4 tanggal 8 April 1999 yang dibuat di Deed No. 4 dated April 8, 1999 of Popy Kuntari
hadapan Notaris Popy Kuntari Sutresna, S.H., M. Sutresna, S.H., M. Hum., which was approved by
Hum., yang telah mendapatkan pengesahan dari the Minister of Justice in its Decision Letter
Menteri Kehakiman dengan Surat Keputusan No. C2-7103.HT.01.01.TH.99 dated April 16, 1999
No. C2-7103.HT.01.01.TH.99 tanggal 16 April and was published in the State Gazette No. 39
1999 dan diumumkan dalam Berita Negara dated May 14, 1999 of the Republic of Indonesia.
Republik Indonesia No. 39 tanggal 14 Mei 1999.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tanggal 12 September 2007, nama Bank On September 12, 2007, the name of the Bank
diubah menjadi PT Bank Pembangunan Daerah was changed to PT Bank Pembangunan Daerah
Jawa Barat dan Banten berdasarkan pengesahan Jawa Barat dan Banten based on the approval of
dari Menteri Kehakiman dan Hak Asasi Manusia the Minister of Justice and Human Rights in its
melalui surat No. W8-02673 HT.01.04-TH.2007. letter No. W8-02673HT.01.04-TH.2007. Based on
Berdasarkan Surat Keputusan Direksi the Bank’s of Board Directors’ Decision Letter
No. 1065/SK/DIR-PPN/2007 tanggal No. 1065/SK/DIR - PPN/2007 dated November 29,
29 November 2007, Bank mengubah penyebutan 2007, the Bank changed its call name to “Bank
nama menjadi “Bank Jabar Banten”. Jabar Banten”.
Berdasarkan Surat Bank Indonesia Based on the letter of Bank Indonesia
No.12/78/APBU/Bd tanggal 30 Juni 2010 perihal No.12/78/APBU/Bd dated June 30, 2010 regarding
Rencana Perubahan Logo Bank, serta Surat the Amendment Plan of the Bank’s logo, as well as
Keputusan Direksi No. 1337/SK/DIR-PPN/2010 Board of Directors’ Decision Letter
tanggal 5 Juli 2010 tentang Perubahan Logo dan No.1337/SK/DIR-PPN/2010 dated July 5, 2010
Penyebutan Nama serta pemberlakuan Brand regarding the Amendment of Call name and Logo
Identity Guidelines, maka pada tanggal enforcement of Brand Identity Guidelines on
2 Agustus 2010 perubahan penyebutan nama August 2, 2010, the change in call name of “Bank
“Bank Jabar Banten” secara resmi diubah Jabar Banten to “Bank BJB” was officially changed.
menjadi “Bank BJB”.
Anggaran Dasar PT Bank Pembangunan Daerah The basis for PT Bank Pembangunan Daerah
Jawa Barat dan Banten Tbk sebagaimana Jawa Barat, Budget and Banten Tbk, is stated in
tertuang di Akta Pendirian No. 4 tanggal 8 April the Deed of Establishment No. 4 dated
1999 dan Perbaikan Akta Pendirian Perseroan 8 April 1999 and Amendments to the Deed of
No. 8 tanggal 15 April 1999 yang telah beberapa Establishment of the Company No. 8 dated
kali diubah terakhir dengan Akta Pernyataan 15 April 1999 which has been amended several
Keputusan Rapat Umum Pemegang Saham Luar times, most recently by the Deed of Statement of
Biasa PT Bank Pembangunan Daerah Jawa Resolutions of the General Meeting. Ordinary PT
Barat dan Banten Tbk Nomor 153 tanggal Bank Pembangunan Daerah Jawa Barat and
30 Maret 2022 yang dibuat oleh Notaris R. Tendy Banten Tbk Number 153 dated March 30, 2022
Suwarman, Sarjana Hukum, Notaris di Bandung made by Notary R. Tendy Suwarman, Bachelor of
yang telah memperoleh persetujuan melalui Law, Notary in Bandung who has obtained
Keputusan Menteri Hukum dan Hak Asasi approval through Decree of the Minister of Law and
Manusia Republik Indonesia Nomor AHU- Human Rights of the Republic of Indonesia
0029115.AH.01.02. Tahun 2022 tentang Number AHU-0029115. AH.01.02. Year 2022
Persetujuan Perubahan Anggaran Dasar concerning Approval of Amendment to the Articles
Perseroan Terbatas PT Bank Pembangunan of Association of a Limited Liability Company PT
Daerah Jawa Barat dan Banten Tbk tanggal Bank Pembangunan Daerah Jawa Barat and
21 April 2022 dan telah diberitahukan dengan Banten, Tbk dated April 21, 2022 and has been
Keputusan Menteri Hukum dan Hak Asasi notified by Decree of the Minister of Law and
Manusia Republik Indonesia sebagaimana Surat Human Rights of the Republic of Indonesia as
Penerimaan Pemberitahuan Perubahan Letter of Acceptance of Notice of Amendment to
Anggaran Dasar Perseroan Nomor AHU- the Company's Articles of Association Number
AH.01.03-0229651 tanggal 21 April 2022. AHU-AH.01.03-0229651 dated April 21, 2022.
PT Bank Pembangunan Daerah Jawa Barat dan PT Bank Pembangunan Daerah Jawa Barat dan
Banten Tbk dimiliki oleh Pemerintah Provinsi Banten Tbk is owned by the Provincial Government
Jawa Barat selaku pemegang saham mayoritas. of West Java as the majority shareholder.
b. Maksud dan tujuan b. Purpose and objectives
Berdasarkan pasal 3 Anggaran Dasar, Bank According to article 3 of the Bank's Articles of
didirikan dengan maksud dan tujuan untuk Association, the Bank's objective is to engage in
berusaha di bidang perbankan. Untuk mencapai the banking business. To achieve this objective,
maksud dan tujuan tersebut, ruang lingkup the scope of the Bank’s activities is mainly the
kegiatan Bank antara lain adalah: following:
- menghimpun dana dari masyarakat dalam - to collect public funds in the form of curremt
bentuk simpanan berupa giro, deposito account, time deposits, certificates of deposits,
berjangka, sertifikat deposito, tabungan savings and/or other similar forms;
dan/atau bentuk lainnya yang dipersamakan
dengan itu;
- memberikan kredit; - to grant loans;
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
- menempatkan dana pada, meminjam dana - to place fund in, obtain borrowings from, or
dari, atau meminjamkan dana kepada bank provide financing to other banks, either by
lain, baik dengan menggunakan surat, sarana letter, telecommunication facilities, sight letters
telekomunikasi maupun dengan wesel unjuk, of credit (L/C), cheque or other facilities;
cek atau sarana lainnya;
- melakukan kegiatan penyertaan modal pada - to conduct investment activities through share
bank atau perusahaan di bidang jasa participation in banks or other financial
keuangan lainnya atau mendirikan institution companies or establish a new
perusahaan baru sepanjang sesuai dengan institution in accordance with the prevailing
ketentuan yang berlaku; dan regulation; and
- melakukan kegiatan dalam valuta asing dan - to conduct activities in foreign currency
atau bertindak sebagai Bank Devisa dengan transactions and or serve as Foreign Exchange
memenuhi ketentuan yang ditetapkan oleh Bank in compliance with the regulation
yang berwenang. prescribed by the authority.
Selain itu, sebagai bank pembangunan daerah, In addition, as a regional development bank, the
Bank juga membantu Pemerintah Provinsi, Bank also assists the Provincial Government,
Kota/Kabupaten se-Jawa Barat dan Banten Municipality/Regency of West Java and Banten in
dalam membina Bank Perkreditan Rakyat (BPR) developing Rural Banks (BPR) and other financial
dan institusi jasa keuangan lainnya milik service institutions owned by the Provincial
Pemerintah Provinsi, Kota/Kabupaten se-Jawa Government, Municipality/Regency of West Java
Barat dan Banten yang sebagian sahamnya and Banten where the Bank has or does not have
dimiliki oleh Bank, atau Bank sama sekali tidak the shares but the Bank is requested to assist in
memiliki saham namun diminta untuk membantu developing the BPR.
pembinaan BPR dimaksud.
c. Jaringan kantor c. Office network
Bank berkantor pusat di Menara Bank BJB yang The Bank’s head office is located at Bank BJB
terletak di Jalan Naripan No. 12-14, Bandung Tower, Naripan Street No. 12-14, Bandung 40111.
40111.
Pada tanggal 31 Desember 2023, Bank memiliki As of December 31, 2023, the Bank has 64 branch
64 kantor cabang dan 820 kantor cabang offices and 820 sub-branches and December 31,
pembantu dan pada tanggal 31 Desember 2022, 2022, the Bank has 65 branch offices and 841 sub-
Bank memiliki 65 kantor cabang dan 841 kantor branches (unaudited).
cabang pembantu (tidak diaudit).
d. Manajemen eksekutif d. Executive management
Perubahan susunan Pengurus Bank The composition changes of the Bank's
sebagaimana tertuang dalam Akta Pernyataan Management as stated in the Deed of Statement of
Keputusan Rapat Umum Pemegang Saham Luar Resolutions of the Extraordinary General Meeting
Biasa PT Bank Pembangunan Daerah Jawa of Shareholders of PT Bank Pembangunan Daerah
Barat dan Banten Tbk Nomor 53 tanggal 25 Mei Jawa Barat and Banten Tbk Number 53 dated
2023 yang dibuat oleh Notaris R. Tendy May 25, 2023 made by made by Notary R. Tendy
Suwarman, Sarjana Hukum, Notaris di Kota Suwarman, Bachelor of Laws, Notary in Bandung
Bandung, dan telah diberitahukan dengan City, and has been notified by the Decree of the
Keputusan Menteri Hukum dan Hak Asasi Minister of Law and Human Rights of the Republic
Manusia Republik Indonesia sebagaimana Surat of Indonesia as a Letter of Acceptance of Changes
Penerimaan Pemberitahuan Perubahan Data to Company Data Number AHU-AH.01.09-
Perseroan Nomor AHU-AH.01.09-0166302 0166302 Dated 22 September 2023, the
Tanggal 22 September 2023, susunan Dewan composition of the Bank's Board of Commissioners
Komisaris dan Direksi Bank adalah sebagai and Directors is as follows:
berikut:
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember 2023 December 31, 2023
Dewan Komisaris Board of Commissioners
Komisaris Utama Independen Farid Rahman Independent President Commissioner
Komisaris Setiawan Wangsaatmaja Commisioner
Komisaris Tomsi Tohir Commisioner
Komisaris Independen Rudie Kusmayadi Independent Commissioner
Komisaris Independen Fahlino F. Sjuib Independent Commissioner
Komisaris Independen Diding Sakri Independent Commissioner
Dewan Direksi Board of Directors
Direktur Utama Yuddy Renaldi President Director
Direktur Kepatuhan Cecep Trisna Director of Compliance
Direktur Keuangan Nia Kania Director of Finance
Direktur IT, Treasury dan Rio Lanasier Director of IT, Treasury and
International Banking International Banking
Direktur Konsumer dan Ritel Suartini Director of Consumer and Retail
Direktur Operasional Tedi Setiawan Director of Operation
Direktur Komersial dan UMKM Nancy Adistyasari Director of Commercial and Micro
Berdasarkan Rapat Umum Pemegang Saham Based on the Annual General Meeting of
Tahunan Tahun Buku 2021 tanggal 30 Maret 2022 Shareholders for Fiscal Year 2021 dated
yang aktanya dibuat oleh Notaris R. Tendy March 30, 2022, the deed of which was made by
Suwarman, S.H., No. 154 susunan Dewan Notary R. Tendy Suwarman, S.H., No. 154
Komisaris dan Direksi Bank adalah sebagai The composition of the Bank's Board of
berikut: Commissioners and Directors is as follows:
31 Desember 2022 December 31, 2022
Dewan Komisaris Board of Commissioners
Komisaris Utama Independen Farid Rahman Independent President Commissioner
Komisaris Setiawan Wangsaatmaja Commisioner
Komisaris Muhadi Commisioner
Komisaris Independen Fahlino F. Sjuib Independent Commissioner
Komisaris Independen Diding Sakri Independent Commissioner
Komisaris Independen Tubagus Raditya Indrajaya* Independent Commissioner
Dewan Direksi Board of Directors
Direktur Utama Yuddy Renaldi President Director
Direktur Kepatuhan Cecep Trisna Director of Compliance
Direktur Keuangan Nia Kania Director of Finance
Direktur IT, Treasury dan Rio Lanasier Director of IT, Treasury and
International Banking International Banking
Direktur Konsumer dan Ritel Suartini Director of Consumer and Retail
Direktur Operasional Tedi Setiawan Director of Operation
Direktur Komersial dan UMKM Nancy Adistyasari Director of Commercial and Micro
* Hasil Penilaian Kemampuan dan Kepatutan * The results of the Fit and Proper Assessment
berdasarkan surat OJK No. SR- based on OJK letter No SR-191/PB.12/2022
191/PB.12/2022 tanggal 26 Agustus 2022. dated August 26, 2022.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tanggal 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022 the Head of the
Pemimpin Divisi Sekretaris Perusahaan adalah Corporate Secretary Division is Widi Hartoto in
Widi Hartoto sesuai dengan Surat Keputusan accordance with the Decree of the Board of
Direksi Nomor 0069/SK/DIR-HCA/2020 tanggal Directors Number 0069/SK/DIR-HCA/2020 dated
27 Januari 2020. January 27, 2020.
Pada tanggal 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022, the Bank’s
Pemimpin Satuan Kerja Audit Internal Bank Internal Audit Head is Joko Hartono Kalisman,
adalah Joko Hartono Kalisman, sesuai dengan based on Director Decision Letter
Surat Keputusan Direksi No. 1516/SK/DIR- No. 1516/SK/DIR-HC/2018 dated December 13,
HC/2018 tanggal 13 Desember 2018. 2018.
Susunan Komite Audit Bank pada tanggal The composition of the Bank's Audit Committee on
31 Desember 2023 berdasarkan Surat Keputusan December 31, 2023 based on the Decree of the
Dewan Komisaris No. 04/SK/DKO/2023 Board of Commissioners No. 04/SK/DKO/2023
tanggal 22 Agustus 2023, Surat Keputusan dated August 22, 2023, Directors Decree
Direksi No. 0450/SK/DIR-CSE/2023 tanggal No. 0450/SK/DIR-CSE/2023 dated 3 November
3 November 2023 dan Surat Keputusan Direksi 2023 and Directors Decree No. 0756/SK/DIR-
No. 0756/SK/DIR-CSE/2022 tanggal CSE/2022 dated December 28, 2023 is as follows:
28 Desember 2023 adalah sebagai berikut:
31 Desember 2023 December 31, 2023
Komite Audit Audit Committee
Ketua Farid Rahman Chairman
Anggota Mokhamad Anwar Member
Anggota Fahlino F.Sjuib Member
Anggota Wawan Hermawan Member
Anggota Dewi Kania Sugiharti Member
Susunan Komite Audit Bank pada tanggal The composition of the Bank's Audit Committee as
31 Desember 2022 berdasarkan Surat Keputusan of December 31, 2022 is based on the Decree of
Dewan Komisaris No. 06/SK/DKO/2022 the Board of Commissioners No. 06/SK/DKO/2022
tanggal 4 November 2022, Surat Keputusan dated November 4, 2022, Directors Decree
Direksi No. 011/SK/DIR-CSE/2021 tanggal No. 011/SK/DIR-CSE/2021 dated January 6, 2021
6 Januari 2021 dan Surat Keputusan Direksi and, Decree of the Board of
No. 0665/SK/DIR- CSE/2022 tanggal November 9, 2022 is as follows:
9 November 2022 adalah sebagai berikut:
31 Desember 2022 December 31, 2022
Komite Audit Audit Committee
Ketua Farid Rahman Chairman
Anggota Diding Sakri Member
Anggota Wawan Hermawan Member
Anggota Dewi Kania Sugiharti Member
Pada tanggal 31 Desember 2023 dan 2022, Bank As of December 31, 2023 and 2022, the Bank has
memiliki karyawan masing-masing sebanyak 7,300 and 7,412 employees, respectively
7.300 dan 7.412 orang (tidak diaudit). (unaudited).
e. Penawaran umum saham e. Public offering of shares
Berdasarkan Surat Badan Pengawas Pasar Based on the Letter of the Capital Market and
Modal dan Lembaga Keuangan nomor S- Financial Institution Supervisory Agency number S-
5901/BL/2010 tanggal 29 Juni 2010 hal 5901/BL/2010 dated June 29, 2010 regarding
Pemberitahuan Efektifnya Pernyataan Notification of the Effectiveness of the Registration
Pendaftaran, Bank melakukan Penawaran Umum Statement, Ban conducted an Initial Public Offering
Perdana Saham (Initial Public Offering atau (IPO) of 2,424,072,500 (full amount) Series B
“IPO”) atas 2.424.072.500 (nilai penuh) saham shares. with a nominal value of Rp250 (full amount)
Seri B dengan nilai nominal sebesar Rp250 (nilai per share and an offering price of Rp600 (full
penuh) setiap saham dan harga penawaran amount) for each share to the public. The offered
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
setiap saham sebesar Rp600 (nilai penuh) shares were traded on the Indonesia Stock
kepada publik. Saham yang ditawarkan tersebut Exchange on July 8, 2010. The total proceeds from
mulai diperdagangkan di Bursa Efek Indonesia the IPO amounted to Rp1,454,443,500,000 (full
pada tanggal 8 Juli 2010. Total penerimaan dari amount).
IPO tersebut sebesar Rp1.454.443.500.000 (nilai
penuh).
Pada tanggal 26 Desember 2018, Bank On December 26, 2018, Bank made Capital
melakukan Penambahan Modal Tanpa Hak Increases Without Pre-emptive Rights
Memesan Efek Terlebih Dahulu (“PMTHMETD”) (“PMTHMETD”) by issuing 142,495,995 (full
dengan menerbitkan 142.495.995 (nilai penuh) amount) Series A shares which were specially
saham Seri A yang ditawarkan khusus kepada offered to Regional Governments in West Java and
Pemerintah Daerah di Jawa Barat dan Banten Banten with a nominal value of Rp250 (full amount)
dengan nilai nominal sebesar Rp250 (nilai penuh) each share and the issuance price of Rp1,900 (full
setiap saham dan harga penerbitan Rp1.900 amount) per share. The total revenue from the
(nilai penuh) setiap saham. Total PMTHMETD amounted to Rp270,742,390,500 (full
penerimaan dari PMTHMETD tersebut sebesar amount).
Rp270.742.390.500 (nilai penuh).
Berdasarkan Surat Otoritas Jasa Keuangan Based on the Financial Services Authority Letter
nomor S-25/D.04/2022 tanggal 21 Februari 2022 number S-25/D.04/2022 dated February 21, 2022
hal Pemberitahuan Efektifnya Pernyataan regarding Notification of the Effectiveness of the
Pendaftaran, Bank melakukan Penawaran Registration Statement, Bank conducted a Limited
Umum Terbatas kepada pemegang saham Bank Public Offering to shareholders of Bank for
untuk Penambahan Modal Dengan Memberikan Capital Increase by Granting Pre-emptive Rights I
Hak Memesan Efek Terlebih Dahulu I (“PMHMETD I”) by issuing Preemptive Rights of
(“PMHMETD I”) dengan menerbitkan HMETD 682,656,525 (full amount) Series B shares with a
sebanyak 682.656.525 (nilai penuh) lembar par value of Rp250 (full amount) per share and an
saham Seri B dengan dengan nilai nominal exercise price of Rp1,355 (full amount) per share.
sebesar Rp250 (nilai penuh) setiap saham dan The trading period of Bank’s Preemptive Rights
harga pelaksanaan sebesar Rp1.355 (nilai penuh) starts on March 9, 2022 until March 16, 2022 and
setiap saham. Periode perdagangan HMETD the date of allotment of additional Preemptive
Bank dimulai tanggal 9 Maret 2022 sampai Rights shares on March 21, 2022. The total receipts
dengan 16 Maret 2022 dan tanggal penjatahan from PMHMETD I amounted to Rp924,999,591,375
pesanan saham tambahan HMETD pada tanggal (full amount).
21 Maret 2022. Total penerimaan dari PMHMETD
I tersebut sebesar Rp924.999.591.375 (nilai
penuh).
Selisih lebih antara harga penerbitan per saham The difference between the issuance price per
dengan nilai nominal per saham dicatat sebagai share and the par value per share is recorded as
“Tambahan Modal Disetor”, yang disajikan pada “Additional Paid-in Capital”, which is presented in
bagian Ekuitas pada laporan posisi keuangan the Equity section of the consolidated statement of
konsolidasian. financial position.
f. Penawaran umum obligasi f. Public offering of bonds
Bank telah menerbitkan Obligasi dan Obligasi The Bank issued 19 (nineteen) series of Bonds and
Subordinasi sebanyak 19 (sembilan belas) dan 6 6 (six) series of Subordinated Bonds from
(enam) kali sejak tanggal 8 Juli 1991 sampai July 8, 1991 to Desember 31, 2023, with the details
dengan 31 Desember 2023 dengan rincian as follows:
sebagai berikut:
Nama Obligasi/ Jumlah Nominal/ Jangka Wkatu/ Jatuh Tempo/ Tingkat Bunga/
Name of Bonds Nominal Amount Term Maturity Date Interest
Obligasi I Bank Jabar/ 25,000 5 tahun/years 8 Juli/ mengambang hingga jatuh tempo/
Bank Jabar Bonds I July 8, 1996 *) floating rate until maturity
Obligasi II Bank Jabar/ 50,000 5 tahun/years 2 Juli/ mengambang hingga jatuh tempo/
Bank Jabar Bonds II July 2, 1998 *) floating rate until maturity
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Nama Obligasi/ Jumlah Nominal/ Jangka Wkatu/ Jatuh Tempo/ Tingkat Bunga/
Name of Bonds Nominal Amount Term Maturity Date Interest
Obligasi III Bank Jabar/ 150,000 5 tahun/years 18 April/ 16,25% tetap untuk tahun pertama,
Bank Jabar Bonds III April 18, 2005 *) mengambang untuk tahun berikutnya
hingga jatuh tempo/
16.25% fixed for first years,
floating for remaining years
until maturity
Obligasi IV A Bank Jabar/ 300,000 3 tahun/years 5 Oktober/ 11.75% tetap/
Bank Jabar Bonds IV A October 5, 2007 *) fixed
Obligasi IV B Bank Jabar/ 700,000 5 tahun/years 5 Oktober/ 12.50% tetap/
Bank Jabar Bonds IV B October 5, 2009 *) fixed
Obligasi V Bank Jabar/ 1,000,000 5 tahun/years 8 Desember/ 11.25% tetap/
Bank Jabar Bonds V December 8, 2011 *) fixed
Obligasi VI A Bank Jabar/ 350,000 3 tahun/years 10 Juli/ 12.00% tetap/
Bank Jabar Bonds VI A July 10, 2012 *) fixed
Obligasi VII A Bank Jabar/ 276,000 3 tahun/years 9 Februari/ 9.20% tetap/
Bank Jabar Bonds VII A February 9, 2014 *) fixed
Obligasi VI B Bank Jabar/ 400,000 5 tahun/years 10 Juli/ 12.50% tetap/
Bank Jabar Bonds VI B July 10, 2014 *) fixed
Obligasi VII B Bank Jabar/ 601,000 5 tahun/years 9 Februari/ 10.20% tetap/
Bank Jabar Bonds VII B February 9, 2016 *) fixed
Obligasi VII C Bank Jabar/ 1,123,000 7 tahun/years 9 Februari/ 10.40% tetap/
Bank Jabar Bonds VII C February 9, 2018 *) fixed
Obligasi Berkelanjutan I 2017 A 251,700 3 tahun/years 6 Desember/ 7.5% tetap/
Continuing Bonds I 2017 A December 6, 2020 *) fixed
Obligasi Berkelanjutan I 2018 A 835,500 3 tahun/years 28 September/ 9.00% tetap/
Continuing Bonds I 2018 A September 28, 2021*) fixed
Obligasi Berkelanjutan I 2017 B 468,300 5 tahun/years 6 Desember/ 8.15% tetap/
Continuing Bonds I 2017 B December 6, 2022*) fixed
Obligasi Sub Berkelanjutan I 2017 A 307,000 5 tahun/years 6 Desember/ 9.6% tetap/
Continuing Sub Bonds I 2017 A December 6, 2022*) fixed
Obligasi Berkelanjutan I 2018 B 916,500 5 tahun/years 28 September/ 9.5% tetap/
Continuing Bonds I 2018 B September 28, 2023*) fixed
Obligasi Berkelanjutan I 2017 C 780,000 7 yahun/years 6 Desember/ 8.85% tetap/
Continuing Bonds I 2017 C December 6, 2024 fixed
Obligasi Berkelanjutan I 2019 A 66,000 3 tahun/years 18 Oktober/ 8.25% tetap/
Continuing Bonds I 2019 A October 18, 2022*) fixed
Obligasi Berkelanjutan I 2019 B 108,000 5 tahun/years 18 Oktober/ 8.5% tetap/
Continuing Bonds I 2019 B October 18, 2024 fixed
Obligasi Berkelanjutan I 2019 C 74,000 7 tahun/years 18 Oktober/ 9.0% tetap/
Continuing Bonds I 2019 C October 18, 2026 fixed
Obligasi Sub Berkelanjutan I 2017 B 693,000 7 tahun/years 6 Desember/ 9.9% tetap/
Continuing Sub Bonds I 2017 B December 6, 2024 fixed
Obligasi Sub Berkelanjutan II–I 2020 A 132,000 5 tahun/years 3 Maret/ 8.6% tetap/
Continuing Sub Bonds II-I 2020 A March 3, 2025 fixed
Obligasi Sub Berkelanjutan II-I 2020 B 368,000 7 tahun/years 3 Maret/ 9.35% tetap/
Continuing Sub Bonds II-I 2020 B March 3, 2027 fixed
Obligasi Sub Berkelanjutan II-II 2020 A 162,580 5 tahun/years 17 November/ 8.50% tetap/
Continuing Sub Bonds II-II 2020 A November 17, 2025 fixed
Obligasi Sub Berkelanjutan II-II 2020 B 337,420 7 tahun/years 17 November/ 9.50% tetap/
Continuing Sub Bonds II-II 2020 B November 17, 2027 fixed
Obligasi Sub Berkelanjutan III-I 2021 A 379,000 5 tahun/years 15 Juli/ 7.85% tetap/
Continuing Sub Bonds III-I 2021 A July 15, 2026 fixed
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Obligasi Sub Berkelanjutan III-I 2021 B 621,000 7 tahun/years 15 Juli/ 8.60% tetap/
Continuing Sub Bonds III-I 2021 B July 15, 2028 fixed
Obligasi Sub Berkelanjutan III-II 2022 A 399,910 5 tahun/years 9 Juni/ 7.85% tetap/
Continuing Sub Bonds III-II 2022 A June 9, 2027 fixed
Obligasi Sub Berkelanjutan III-II 2022 B 600,090 7 tahun/years 9 Juni/ 8.60% tetap/
Continuing Sub Bonds III-II 2022 B June 9, 2029 fixed
*) Bank telah melakukan pelunasan obligasi yang diterbitkan *) The Bank paid off the bonds issued on maturity date.
pada tanggal jatuh temponya.
Penerbitan Obligasi di atas didasarkan pada The above Bond Issuance is based on the following
surat-surat pernyataan sebagai berikut: affidavits:
1. Penawaran Umum Berkelanjutan I 1. Sustainable Public Offering I based on OJK Letter
berdasarkan Surat OJK Number S-449/D.04/2017 dated November 27,
Nomor S-449/D.04/2017 tanggal 27 November 2017 Regarding Notification of Effective
2017 Hal Pemberitahuan Efektifnya Registration Statement.
Pernyataan Pendaftaran.
2. Penawaran Umum Berkelanjutan II 2. Sustainable Public Offering II based on OJK
berdasarkan Surat OJK Letter Number S-74/D.04/2020 dated
Nomor S-74/D.04/2020 tanggal 26 Februari February 26, 2020 Regarding Notification of
2020 Hal Pemberitahuan Efektifnya Effective Registration Statement.
Pernyataan Pendaftaran.
3. Penawaran Umum Berkelanjutan III 3. Sustainable Public Offering III based on OJK
berdasarkan Surat OJK Letter Number S-109/D.04/2021 dated
Nomor S-109/D.04/2021 tanggal 7 Juli 2021 July 7, 2021 Regarding Notification of Effective
Hal Pemberitahuan Efektifnya Pernyataan Registration Statement.
Pendaftaran.
g. Pendirian dan informasi umum entitas anak g. Establishment and general information about the
subsidiaries
i) PT Bank Jabar Banten Syariah i) PT Bank Jabar Banten Syariah
Pendirian PT Bank Jabar Banten Syariah The establishment of PT Bank Jabar Banten
(“BJBS”) merupakan hasil pemisahan (spin Syariah (“BJBS”) resulted from the spin-off of the
off) dari Unit Usaha Syariah PT Bank Sharia Business Unit of PT Bank Pembangunan
Pembangunan Daerah Jawa Barat dan Daerah Jawa Barat dan Banten (“UUS Bank
Banten (“UUS Bank Jabar Banten”) menjadi Jabar Banten”) to become Sharia General Bank
Bank Syariah berdasarkan Pernyataan based on the Approval of Shareholders of PT
Persetujuan Pemegang Saham PT Bank Bank Pembangunan Daerah Jawa Barat dan
Pembangunan Daerah Jawa Barat dan Banten Tbk which was stated by Notarial Deed
Banten Tbk yang tertuang dalam Akta Notaris No. 3 of Fathiah Helmi, S.H., dated January 15,
No. 3 oleh notaris Fathiah Helmi, S.H., 2010.
tanggal 15 Januari 2010.
BJBS didirikan pada tanggal 15 Januari 2010 BJBS was established on January 15, 2010
berdasarkan Akta Notaris No. 4 oleh notaris based on Notarial Deed No. 4 of Fathiah Helmi,
Fathiah Helmi, S.H., dan akta pendirian ini S.H. and has been approved by the Minister of
telah disahkan oleh Menteri Hukum dan Hak Laws and Human Rights through its Decision
Asasi Manusia Republik Indonesia dalam Letter No. AHU-04317.AH.01.01 year 2010
Surat Keputusan No. AHU-04317.AH.01.01 concerning the Approval of Legal Corporation
tahun 2010 tentang Pengesahan Badan dated January 26, 2010. Bank Indonesia has
Hukum Perseroan tanggal 26 Januari 2010. issued the operational license to BJBS based
Bank Indonesia telah memberikan izin on the Decision Letter of the Governor of Bank
usaha kepada BJBS berdasarkan Surat Indonesia No. 12/35/KEP.GBI/2010 dated
Keputusan Gubernur Bank Indonesia April 30, 2010.
No. 12/35/KEP.GBI/2010 tanggal 30 April
2010.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
BJBS telah melaporkan tanggal efektif BJBS has reported the effective date of the
pelaksanaan kegiatan usaha kepada Bank implementation of its business activity to Bank
Indonesia dan Menteri Hukum dan Hak Asasi Indonesia and Minister of Laws and Human
Manusia Republik Indonesia masing-masing Rights of the Republic of Indonesia through its
melalui surat No. 022/DIR-BJBS/2010 letters No. 022/DIR-BJBS/2010 dated
tanggal 7 Mei 2010 dan No. 018/DIR- May 7, 2010 and No. 018/DIR-BJBS/2010 dated
BJBS/2010 tanggal 3 Mei 2010. BJBS May 3, 2010, respectively. BJBS determined
menetapkan tanggal 5 Mei 2010 sebagai May 5, 2010 as the cut off date for the balance
tanggal cut off untuk laporan posisi keuangan sheet and started its operation since that date.
dan telah mulai beroperasi sejak tanggal As of December 31, 2023 and 2022 the Bank
tersebut. Pada tanggal 31 Desember 2023 has 99.24% of direct ownership.
dan 2022 kepemilikan langsung Bank pada
BJBS sebesar 99,24%
Kantor pusat BJBS berlokasi di Jl. Braga BJBS head office is located at Jl. Braga
No. 135, Bandung. Pada tanggal No. 135, Bandung. As of December 31, 2023,
31 Desember 2023, BJBS memiliki BJBS has 10 branch offices, 53 sub-branches,
10 kantor cabang, 53 kantor cabang 2 cash offices, 25 functional offices and
pembantu, 2 kantor kas, 25 kantor 2 payment point with 1,175 employees. As of
fungsional dan 2 payment point dengan December 31, 2022, BJBS has 10 branch
jumlah karyawan sebanyak 1.175 orang. offices, 53 sub-branches, 2 cash offices,
Pada tanggal 31 Desember 2022, BJBS 17 Fuctional Offices and 2 payment point
memiliki 10 kantor cabang, 53 kantor with 1,071 employees (unaudited).
cabang pembantu, 2 kantor kas, 17 kantor
fungsional dan 2 payment point dengan
jumlah karyawan sebanyak 1.071 orang.
BJBS memiliki total aset sebesar BJBS total assets amounted to Rp13,649,880
Rp13.649.880 dan Rp12.445.811 masing- and Rp12,445,811 as of December 31, 2023
masing pada tanggal 31 Desember 2023 and 2022, respectively, and margin and
dan 2022 dan pendapatan marjin dan bagi revenue sharing income of Rp 936.921 and
hasil sebesar Rp936.921 dan Rp781.855 Rp781,503 for the years ended December 31,
masing-masing untuk tahun-tahun yang 2023 and 2022, respectively.
berakhir pada tanggal 31 Desember 2023
dan 2022.
ii) PT BPR Intan Jabar ii) PT BPR Intan Jabar
Perusahaan Daerah Bank Perkreditan Perusahaan Daerah Bank Perkreditan Rakyat
Rakyat Lembaga Perkreditan Kecamatan Lembaga Perkreditan Kecamatan Garut Kota
Garut Kota didirikan dengan Peraturan was established with Provincial Regulation
Daerah Provinsi Daerah Tingkat I Jawa Level I West Java No. 3 Year 1987, which was
Barat No. 3 Tahun 1987, yang selanjutnya further confirmed as a Perusahaan Daerah
dikukuhkan menjadi Perusahaan Daerah Bank Perkreditan Rakyat Lembaga Perkreditan
Bank Perkreditan Rakyat Lembaga Kecamatan Garut Kota (PD BPR LPK Garut
Perkreditan Kecamatan Garut Kota (PD Kota) with Provincial Regulation Level I West
BPR LPK Garut Kota) dengan Peraturan Java No. 5 Year 1996.
Provinsi Daerah Tingkat I Jawa Barat Nomor
5 Tahun 1996.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
BPR Garut Kota berubah menjadi BPR Garut Kota changed to a Regional
Perusahaan Daerah Perkreditan Kecamatan Company Subdistrict Lending in accordance
sesuai dengan Peraturan Daerah Provinsi with Provincial Government Regulation No. 25
Jawa Barat No. 25 Tahun 2000 Tentang Year 2000, of West Java Province, regarding
Perusahaan Daerah Perkreditan Kecamatan the Regional Company Subdistrict Lending and
dan mendapat izin usaha sebagai Bank were approved as rural Bank by Bank
Perkreditan Rakyat dari Bank Indonesia Indonesia based on Letter No.
sesuai surat No. 31/20/DIR/UBPR/Rahasia 31/20/DIR/UBPR/Rahasia dated June 22, 1998,
tanggal 22 Juni 1998, serta disahkan melalui and approved through decision No. KEP-
Keputusan Menteri Keuangan Republik 467/KM.17/1998, Minister of Finance of the
Indonesia No. KEP-467/KM.17/1998 tentang Republic of Indonesia, concerning granting of
pemberian izin usaha sebagai Bank Business Permit as Rural Bank to PD BPR LK
Perkreditan Rakyat kepada PD BPR LK Garut Kota.
Garut Kota.
PD BPR LPK Garut Kota merupakan PD BPR LPK Garut Kota is based on the
penggabungan usaha (merger) 7 (tujuh) merger of 7 (seven) Regional Company Rural
Perusahaan Daerah Bank Perkreditan Banks which were PD BPR LPK Sukawening,
Rakyat LPK yaitu PD BPR LPK PD BPR LPK Bayongbong, PD BPR LPK
Sukawening, PD BPR LPK Bayongbong, PD Cikajang, PD BPR LPK Banjarwangi, PD BPR
BPR LPK Cikajang, PD BPR LPK LPK Cibalong, PD BPR LPK Leuwigoong as
Banjarwangi, PD BPR LPK Cibalong, PD regulated by the Provincial Government
BPR LPK Leuwigoong sebagaimana diatur Regulation No. 30 year 2010 dated
dalam Peraturan Daerah Provinsi Jawa December 31, 2010, of West Java Province,
Barat No. 30 tahun 2010 tanggal 31 concerning Amendment of Regional Company
Desember 2010 tentang Perubahan atas of West Java No. 14 Year 2006 regarding
Perusahaan Daerah Jawa Barat No. 14 Regional Company Rural Bank and Regional
tahun 2006 tentang Perusahaan Daerah Company Subdistrict Rural Bank.
Bank Perkreditan Rakyat dan Perusahaan
Daerah Perkreditan Rakyat Kecamatan.
Pada tahun 2012, Bank telah mengakuisisi In 2012, the Bank has acquired PD BPR LPK
PD BPR LPK Garut Kota sesuai dengan Garut Kota based on the Decision Letter of the
Surat Keputusan Bank Indonesia Governor of Bank Indonesia
No. 14/79/KEP.GBI/Bd/2012 tanggal No. 14/79/KEP.GBI/Bd/2012 dated
11 Oktober 2012. Bank memiliki kepemilikan October 11, 2012. The Bank has direct
langsung sebesar 24% dan 24% pada ownership 24% and 24% as of
tanggal 31 Desember 2022 dan 2021. December 31, 2022 and 2021. Based on the
Berdasarkan Rapat Umum Pemegang General Shareholders meeting dated
Saham tanggal 1 November 2012, Bank November 1, 2012 the Bank is appointed as the
telah ditunjuk sebagai Pemegang Saham Controlling Shareholder.
Pengendali.
Berdasarkan akta No. 47 tanggal Based on notarial deed No. 47, dated
11 Desember 2014, notaris Intan Rubiyati December 11, 2014, of Intan Rubiyati Dewi,
Dewi, S.H., M.kn, PD BPR LPK Garut Kota S.H., M.kn, PD BPR LPK Garut Kota changed
berubah menjadi PT BPR Intan Jabar. into PT BPR Intan Jabar.
Kantor pusat PT BPR Intan Jabar PT BPR Intan Jabar head office is located at
berkedudukan di Jalan Pramuka No. 30 A Jalan Pramuka No. 30 A, Garut Kota
Kecamatan Garut Kota, Kabupaten Garut, Subdistrict, Garut Regency, West Java
Provinsi Jawa Barat. Province.
Jumlah pegawai PT BPR Intan Jabar pada PT BPR Intan Jabar has 101 and 176
tanggal 31 Desember 2023 dan 2022 employees as of December 31, 2023 and 2022,
masing-masing sebanyak 101 dan 176 respectively.
orang pegawai.
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Page 693
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
PT BPR Intan Jabar memiliki total aset PT BPR Intan Jabar total assets amounted to
sebesar Rp28.934 dan Rp135.049 masing- Rp28,934 and Rp135,049 as of December 31,
masing pada tanggal 31 Desember 2023 2023 and 2022, respectively, and interest
dan 2022, dan pendapatan bunga sebesar income of Rp3,013 and Rp6,857 for the years
Rp3.013 dan Rp6.857 masing-masing untuk ended December 31, 2023 and 2022,
tahun-tahun yang berakhir pada tanggal respectively.
pada 31 Desember 2023 dan 2022.
iii) PT BPR Karya Utama Jabar iii) PT BPR Karya Utama Jabar
Berdasarkan Akta RUPS Lainnya PT BPR Based on Other General Meeting of
Karya Utama Jabar No. 9 tanggal 17 Maret Shareholders Deed of PT BPR Karya Utama
2022, terdapat perubahan Pemegang Jabar No. 9 dated March 17, 2022, been
Saham Pengendali dari Bank menjadi amendeed the Controlling Shareholder (CSH) of
Pemerintah Provinsi Jawa Barat yang telah the company from Bank to the West Java
mendapatkan persetujuan OJK sesuai Provincial Government has been approved by
dengan surat No. SR-38/KR.0221/2023 the Financial Service Authority based on the
tanggal 4 Mei 2023. letter No. SR-38/KR.0221/2023 dated May 4,
2023.
Sehingga terdapat perubahan status pada Been Amendeed, status of PT BPR Karya
PT BPR Karya Utama Jabar dari Utama Jabar change from subsidiaries to
Perusahaan Anak menjadi Perusahaan associated company in the Bank
Terasosiasi dalam Konglomerasi Bank. Conglomeration. Bank has direct ownership of
Bank memiliki kepemilikan langsung 20,93% as of December 31, 2023 .
sebesar 20,93% pada tanggal 31 Desember
2023.
iv) PT BJB Sekuritas Jawa Barat iv) PT BJB Sekuritas Jawa Barat
PT BJB Sekuritas Jawa Barat (“BJB PT BJB Sekuritas Jawa Barat (“BJB Sekuritas”)
Sekuritas”) didirikan berdasarkan akta No. was established based on deed No. 38 dated
38 tanggal 23 November 2020 dibuat di November 23, 2020 by R. Tendy Suwarman,
hadapan R. Tendy Suwarman, S.H., Notaris S.H., Notary in Bandung City and has been
di Kota Bandung dan telah mendapat approved by the Minister of Law and Human
pengesahan dari Menteri Hukum dan Hak Rights of the Republic of Indonesia on
Asasi Manusia Republik Indonesia pada November 27, 2020 with
tanggal 27 November 2020 dengan No. AHU0063135.AH.OI.01 Year 2020. BJB
No.AHU0063135.AH.OI.01. Tahun 2020. Sekuritas’s Articles of Association have been
Anggaran Dasar BJB Sekuritas telah amended and the latest amendments were
mengalami perubahan dan perubahan based on Deed No. 73 dated January 29, 2021
terakhir berdasarkan Akta No. 73 tanggal from R. Tendy Suwarman, S.H., Notary in
29 Januari 2021 dari R. Tendy Suwarman, Bandung. BJB Sekuritas started its commercial
S.H., Notaris di Kota Bandung. BJB operations in September 2021.
Sekuritas memulai kegiatan usaha
komersialnya pada bulan September 2021.
Sesuai dengan Pasal 3 Anggaran Dasar BJB In accordance with Article 3 of BJB Sekuritas’s
Sekuritas, maksud dan tujuan BJB Sekuritas Article of Association, the purpose and objective
yaitu menjalankan usaha di bidang aktivitas of BJB Sekuritas is to run a business in the field
keuangan. Untuk mencapai maksud dan of financial activities. To achieve these goals
tujuan tersebut, BJB Sekuritas and objectives, BJB Sekuritas carries out
melaksanakan kegiatan usaha di bidang business activities in the field of financial
aktivitas keuangan selaku Perusahaan Efek activities as a Securities Company which
yang meliputi usaha sebagai Perusahaan includes business as a Regional Securities
Efek Daerah (PED) yang mencakup kegiatan Company (PED) which includes activities as a
sebagai perusahaan efek yang telah memiliki securities company that has a business license
izin usaha dari Otoritas Jasa Keuangan from the Financial Services Authority to carry out
untuk melakukan kegiatan usaha sebagai business activities as a securities broker, which
perantara pedagang efek, yang administer customer securities accounts and is
mengadministrasikan rekening efek nasabah specifically established in a porvincial area
dan khusus didirikan dalam suatu wilayah which includes the business activities of parties
provinsi yang mencakup kegiatan usaha conducting securities transactions for their own
pihak yang melakukan transaksi efek untuk and other parties’ interests and/or marketing of
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
kepentingan sendiri dan pihak lain dan/atau securities for the benefit of other securities
pemasaran efek untuk kepentingan companies, as well as other activities as
perusahaan efek lain, serta kegiatan lain determined and/or approved by the Service
yang ditetapkan dan/atau disetujui oleh Authority Finance.
Otoritas Jasa Keuangan.
BJB Sekuritas memperoleh izin usaha BJB Sekuritas obtained a business license as a
sebagai Perusahaan Efek Daerah (PED) Regional Securities Company (PED) from the
dari Otoritas Jasa Keuangan (OJK) melalui Financial Services Authority (OJK) through
surat Keputusan Nomor KEP 29/D.04/2021 Decree Number KEP 29/D.042021 dated
tanggal 29 Juni 2021. June 29, 2021.
Dalam menjalankan kegiatan usahanya, In carrying out its business activities, BJB
BJB Sekuritas melakukan Kerja Sama Sekuritas cooperates with PT Mandiri Sekuritas
dengan PT Mandiri Sekuritas berdasarkan based on the Indonesian Stock Exchange Letter
Surat Bursa Efek Indonesia No. S-6969/BELANG/09-2021 dated September
No.S-6969/BELANG/09-2021 tanggal 27, 2021, regarding the granting of approval to
27 September 2021, mengenai pemberian PT Mandiri Sekuritas as a member of the Stock
persetujuan kepada PT Mandiri Sekuritas Exchange to cooperate with Regional Securities
sebagai anggota Bursa Efek untuk Companies (PED) PT BJB Sekuritas Jawa
melakukan Kerja Sama dengan Perusahaan Barat.
Efek Daerah (PED) PT BJB Sekuritas Jawa
Barat.
BJB Sekuritas berkedudukan di Jl. Teuku BJB Sekuritas is domiciled in Jl. Teuku Umar
Umar No. 10, Lebakgede, Kecamatan No. 10, Lebakgede, Coblong District, Bandung
Coblong, Kota Bandung, Jawa Barat. City, West Java.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, BJB
BJB Sekuritas memiliki masing-masing 25 Sekuritas has 25 and 22 employees,
dan 22 karyawan. Karyawan BJB Sekuritas respectively. BJB Sekuritas’s employees are all
seluruhnya merupakan karyawan second-hand employees of PT Bank
perbantuan dari PT Bank Pembangunan Pembangunan Daerah Jawa Barat and Banten,
Daerah Jawa Barat dan Banten Tbk. Tbk.
BJB Sekuritas memiliki total aset sebesar BJB Sekuritas has a total assets of Rp31,646
Rp31.646 dan Rp30.023 pada tanggal and Rp30,023 as of December 31, 2023 and
31 Desember 2023 dan 2022 dan total 2022 and operating revenue of Rp2.686 and
penghasilan usaha sebesar Rp2.686 dan Rp426 as of December 31, 2023 and 2022.
Rp426 pada 31 Desember 2023 dan 2022.
Bank dan entitas anak selanjutnya secara The Bank and its subsidiaries herein after will
bersama-sama disebut sebagai “Bank dan be referred as “the Bank and its subsidiaries”.
entitas anak”.
2. Ikhtisar Kebijakan Akuntansi yang Material 2. Summary of Material Accounting Policies
a. Dasar penyusunan laporan keuangan a. Basis of preparation of the consolidated
konsolidasian financial statements
Pernyataan Kepatuhan Statement of Compliance
Laporan keuangan konsolidasian disusun dan The consolidated financial statements in
disajikan sesuai dengan Standar Akuntansi accordance with Indonesian Financial Accounting
Keuangan di Indonesia, yang mencakup Standards, which includes the Statements and
Pernyataan dan Interpretasi yang dikeluarkan Interpretations issued by the Financial Accounting
oleh Dewan Standar Akuntansi Keuangan Ikatan Standards Board Indonesian Institute of
Akuntan Indonesia dan Peraturan Bapepam-LK Accountants and Bapepam-LK’s Regulation No.
No. VIII.G.7 Lampiran Keputusan Ketua VIII.G.7, Appendix of the Decision of the Chairman
Bapepam-LK No. KEP-347/BL/2012 tanggal of Bapepam-LK No. KEP-347/BL/2012 dated
25 Juni 2012 tentang “Penyajian dan June 25, 2012 regarding the “Guidelines on
Pengungkapan Laporan Keuangan Emiten atau Financial Statements Presentations and
Perusahaan Publik”. Disclosures for Issuers or Public Companies”.
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Page 695
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Laporan keuangan disusun dan disajikan sesuai The financial statements have been The financial
dengan Pernyataan Standar Akuntansi statements have been prepared and presented in
Keuangan (“PSAK”), yaitu PSAK 101 (Revisi accordance with the Statement of Financial
2019) tentang “Penyajian Laporan Keuangan Accounting Standards (“SFAS”), namely: SFAS 101
Syariah”, PSAK 102 (Revisi 2019) tentang (Revised 2019), “Presentation of Sharia Financial
“Akuntansi Murabahah”, PSAK 104 tentang Statements”, SFAS 102 (Revised 2019),
”Akuntansi Istishna”, PSAK 105 tentang “Accounting for Murabahah”, SFAS 104
“Akuntansi Mudharabah”, PSAK 106 tentang ”Accounting for Istishna”, SFAS 105, “Accounting
“Akuntansi Musyarakah”, PSAK 107 (Revisi for Mudharabah”, SFAS 106, “Accounting for
2016) tentang “Akuntansi Ijarah”, PSAK 110 Musyarakah”, SFAS 107 (Revised 2016),
(Revisi 2020) tentang “Akuntansi Sukuk”, PSAK “Accounting for Ijarah”, SFAS 110 (Revised 2020)
111 tentang “Akuntansi Wa’ad”, Pedoman “Accounting for Sukuk”, SFAS No. 111 “Accounting
Akuntansi Perbankan Syariah Indonesia (PAPSI for Wa’ad”, Indonesia Sharia Banking Accounting
Revisi 2013. Bank juga menerapkan Standar Guidelines (PAPSI Revised 2013). The Bank also
Akuntansi Keuangan di Indonesia (“SAK”), yang applied Indonesian Financial Accounting Standards
ditetapkan Ikatan Akuntan Indonesia (IAI). (FAS) issued by the Institute of Indonesia
Chartered Accountants (IAI).
Laporan keuangan konsolidasian telah disajikan The consolidated financial statements have been
berdasarkan nilai historis, kecuali untuk prepared on a historical cost basis, except for some
beberapa akun yang dinilai menggunakan dasar accounts that were assessed using another
pengukuran lain sebagaimana dijelaskan pada measurement basis as explained in the accounting
kebijakan akuntansi dari akun tersebut. Laporan policies of the account. The consolidated financial
keuangan konsolidasian disusun dengan dasar statements have been prepared on accrual basis,
akrual, kecuali pendapatan dari istishna dan bagi except for the revenue from istishna and the profit
hasil dari pembiayaan mudharabah dan sharing from the mudharabah and musyarakah
musyarakah serta laporan arus kas financing and the consolidated statement of cash
konsolidasian. flow.
Laporan arus kas konsolidasian disusun The consolidated statement of cash flows has been
menggunakan metode langsung dan arus kas prepared using the direct method and the cash
dikelompokkan atas dasar aktivitas operasi, flows have been classified based on operating,
investasi dan pendanaan. Kas dan setara kas investing, and financing activities. Cash and cash
terdiri dari kas, giro pada Bank Indonesia dan equivalents consist of cash, current accounts with
giro pada bank lain, penempatan pada Bank Bank Indonesia and other banks, placements with
Indonesia dan bank lain yang jatuh tempo dalam Bank Indonesia and other banks maturing within
waktu 3 (tiga) bulan sejak tanggal perolehan, 3 (three) months or less from the acquisition date,
sepanjang tidak digunakan sebagai jaminan atas provided they are not used as collateral for
pinjaman yang diterima serta tidak dibatasi borrowings nor restricted.
penggunaannya.
Mata uang penyajian yang digunakan dalam The presentation currency used in the consolidated
laporan keuangan konsolidasian adalah Rupiah, financial statements is Indonesian Rupiah, which is
yang merupakan mata uang fungsional. Angka- the Bank and its subsidiaries’ functional currency.
angka yang disajikan dalam laporan keuangan, Unless otherwise stated, all figures presented in the
kecuali bila dinyatakan secara khusus adalah consolidated financial statements are rounded off to
dibulatkan dalam jutaan Rupiah. millions of Rupiah.
b. Prinsip konsolidasian b. Principles of consolidation
Laporan keuangan konsolidasian mencakup The consolidated financial statements incorporate
laporan keuangan Bank dan entitas anak seperti the financial statements of the Bank and its
disebutkan pada Catatan 1.g. subsidiaries as described in Note 1.g.
Entitas anak adalah entitas yang dikendalikan A subsidiary is an entity controlled by the Bank, the
oleh Bank, yakni Bank terekspos, atau memiliki Bank is exposed, or has rights, to variable returns
hak atas imbal hasil variabel dari keterlibatannya from its involvement with the entity and has the
dengan entitas dan memiliki kemampuan untuk ability to affect those returns through its current
mempengaruhi imbal hasil tersebut melalui ability to direct the entity’s relevant activities (power
kemampuan kini untuk mengarahkan aktivitas over the investee).
relevan dari entitas (kekuasaan atas investee).
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Page 696
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Keberadaan dan dampak dari hak suara potensial The existence and effect of substantive potential
dimana Bank memiliki kemampuan praktis untuk voting rights that the Bank has the practical ability
melaksanakan (yakni hak substantif) to exercise (ie substantive rights) are considered
dipertimbangkan saat menilai apakah Bank when assessing whether the Bank controls
mengendalikan entitas lain. another entity.
Laporan keuangan konsolidasian Bank dan The Bank and its subsidiaries’ consolidated
entitas anak mencakup hasil usaha, arus kas, financial statements incorporate the results, cash
aset dan liabilitas dari Bank dan seluruh entitas flows, assets, and liabilities of the Bank and all of
anak yang, secara langsung dan tidak langsung, its directly and indirectly controlled subsidiaries.
dikendalikan oleh Bank. Entitas anak Subsidiaries are consolidated from the effective
dikonsolidasikan sejak tanggal efektif akuisisi, date of acquisition, which is the date on which the
yaitu tanggal dimana Bank dan entitas anak Bank effectively obtains control of the acquired
secara efektif memperoleh pengendalian atas business, until that control ceases.
bisnis yang diakuisisi, sampai tanggal
pengendalian berakhir.
Entitas induk menyusun laporan keuangan A parent prepares consolidated financial
konsolidasian dengan menggunakan kebijakan statements using uniform accounting policies for
akuntansi yang sama untuk transaksi dan like transactions and other events in similar
peristiwa lain dalam keadaan yang serupa. circumstances. All intra-group transactions,
Seluruh transaksi, saldo, penghasilan, beban, dan balances, income, expenses, and cash flows
arus kas dalam intra kelompok usaha terkait relating to transactions between entities of the
dengan transaksi antar entitas dalam kelompok group are eliminated in full.
usaha dieliminasi secara penuh.
Bank dan entitas anak mengatribusikan laba rugi The Bank and its subsidiaries attributed the profit or
dan setiap komponen dari penghasilan loss and each component of other comprehensive
komprehensif lain kepada pemilik entitas induk income to the owners of the parent and non-
dan kepentingan non-pengendali meskipun hal controlling interest even though this results in the
tersebut mengakibatkan kepentingan non- non-controlling interests having a deficit balance.
pengendali memiliki saldo defisit. Bank dan entitas The Bank and its subsidiaries presents non-
anak menyajikan kepentingan non-pengendali di controlling interest in equity in the consolidated
ekuitas dalam laporan posisi keuangan statement of financial position, separately from the
konsolidasian, terpisah dari ekuitas pemilik entitas equity owners of the parent.
induk.
Perubahan dalam bagian kepemilikan entitas Changes in the parent’s ownership interest in a
induk pada entitas anak yang tidak subsidiary that do not result in loss of control are
mengakibatkan hilangnya pengendalian adalah equity transactions (ie transactions with owners in
transaksi ekuitas (yaitu transaksi dengan pemilik their capacity as owners). When the proportion of
dalam kapasitasnya sebagai pemilik). Ketika equity held by non-controlling interest change, the
proporsi ekuitas yang dimiliki oleh kepentingan Bank and its subdidiaries adjusted the carrying
non-pengendali berubah, Bank dan entitas anak amounts of the controlling interest and non-
menyesuaikan jumlah tercatat kepentingan controlling interest to reflect the changes in their
pengendali dan kepentingan non-pengendali relative interest in the subsidiaries. Any difference
untuk mencerminkan perubahan kepemilikan between the amount by which the non-controlling
relatifnya dalam entitas anak. Selisih antara interests are adjusted and the fair value of the
jumlah tercatat kepentingan non-pengendali yang consideration paid or received is recognised directly
disesuaikan dan nilai wajar dari jumlah yang in equity and attributed to the owners of the parent.
diterima atau dibayarkan diakui langsung dalam
ekuitas dan diatribusikan pada pemilik dari entitas
induk.
Jika Bank dan entitas anak kehilangan If the Bank and its subsidiaries loses control, so
pengendalian, maka Bank dan entitas anak akan: Bank and its subsidiaries will:
a) Menghentikan pengakuan aset (termasuk (a) Derecognise the assets (including goodwill) and
goodwill) dan liabilitas entitas anak pada liabilities of the subsidiary at their carrying
jumlah tercatatnya ketika pengendalian amounts at the date when control is lost;
hilang;
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b) Mengakui nilai wajar pembayaran yang (b) Recognise the fair value of the consideration
diterima (jika ada) dari transaksi, peristiwa, received (if any) from the transaction, event or
atau keadaan yang mengakibatkan circumstances that resulted in the loss of control;
hilangnya pengendalian;
c) Mengakui sisa investasi pada entitas anak (c) Recognise any investment retained in the former
terdahulu pada nilai wajarnya pada tanggal subsidiary at fair value at the date when control is
hilangnya pengendalian; lost;
d) Mereklasifikasi ke laba rugi, atau (d) Reclassify to profit or loss, or transfer directly to
mengalihkan secara langsung ke saldo laba retained earnings if required by other FAS, the
jika disyaratkan oleh SAK lain, jumlah yang amount recognized in other comprehensive
diakui dalam penghasilan komprehensif lain income in relation to the subsidiary;
dalam kaitan dengan entitas anak;
e) Mengakui perbedaan apapun yang (e) Recognise any resulting difference as a gain or
dihasilkan sebagai keuntungan atau loss attributable to the parent.
kerugian dalam laba rugi yang diatribusikan
kepada entitas induk.
c. Penjabaran mata uang asing c. Foreign currency translation
Transaksi dalam mata uang asing dijabarkan ke Transactions denominated in foreign currencies are
mata uang rupiah dengan menggunakan kurs converted into rupiah at the exchange rates
yang berlaku pada tanggal transaksi. Pada tanggal prevailing at the dates of the transactions. At the
laporan posisi keuangan konsolidasian, aset dan consolidated statement of financial position,
liabilitas moneter dalam mata uang asing monetary assets and liabilities denominated in
dijabarkan dengan menggunakan kurs yang foreign currencies are translated at the exchange
berlaku pada tanggal laporan posisi keuangan rates prevailing at such date.
konsolidasian.
Keuntungan dan kerugian selisih kurs yang timbul Exchange gains and losses arising from
dari transaksi dalam mata uang asing dan dari transactions denominated in foreign currencies and
penjabaran aset dan liabilitas moneter dalam mata from the translation of monetary assets and
uang asing diakui dalam laporan laba rugi dan liabilities denominated in foreign currencies are
penghasilan komprehensif lain konsolidasian recognized in the consolidated statement of profit
tahun berjalan. and loss and other comprehensive income for the
current year.
Laba atau rugi kurs valuta asing atas aset dan The foreign currency gains or losses on monetary
liabilitas moneter merupakan selisih antara biaya assets and liabilities are the difference between
perolehan diamortisasi dalam rupiah pada awal amortized cost in rupiah at the beginning of the
tahun, disesuaikan dengan tingkat suku bunga year, adjusted for effective interest rate and
efektif dan pembayaran selama tahun berjalan, payments during the year, and the amortized cost
dan biaya perolehan diamortisasi dalam valuta in foreign currency translated into rupiah using the
asing yang dijabarkan ke dalam rupiah dengan exchange rate at the end of the year.
menggunakan kurs pada akhir tahun.
Aset dan liabilitas non-moneter dalam mata uang Non-monetary assets and liabilities denominated in
asing dijabarkan dengan menggunakan kurs pada foreign currencies are translated using the
tanggal transaksi. exchange rates prevailing at the transaction date.
Berikut ini adalah kurs mata uang asing utama Below are the major exchange rates used for
yang digunakan untuk penjabaran dalam rupiah translation into rupiah as of December 31, 2023
pada 31 Desember 2023 dan 2022 yang and 2022 using the middle rates based on Reuters
menggunakan kurs tengah berdasarkan Reuters (at 04:00 PM Western Indonesian Time) (in full
(pukul 16.00 Waktu Indonesia Barat) (dalam amount).
Rupiah penuh).
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Page 698
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Dolar Amerika Serikat 15,397.00 15,567.50 United States Dollar
Dolar Australia 10,520.77 10,557.88 Australian Dollar
Dolar Singapura 11,676.34 11,592.88 Singapore Dollar
Poundsterling Inggris 19,626.56 18,786.09 Great Britain Poundsterling
Yen Jepang 108.88 117.81 Japanese Yen
Dolar Hong Kong 1,970.73 1,996.55 Hong Kong Dollar
Euro Eropa 17,038.32 16,851.72 European Euro
Riyal Saudi Arabia 4,118.74 4,141.26 Saudi Arabian Riyal
Renminbi 2,169.50 2,234.50 Renminbi
d. Aset dan liabilitas keuangan d. Financial assets and liabilities
Aset keuangan Bank dan entitas anak terdiri dari The Bank and its subsidiaries’ financial assets
kas, giro pada Bank Indonesia, giro pada bank lain, consist of cash, current accounts with Bank
penempatan pada Bank Indonesia dan bank lain, Indonesia, current accounts with other banks,
tagihan derivatif, surat berharga, tagihan efek-efek placements with Bank Indonesia and other banks,
yang dibeli dengan janji dijual kembali, wesel derivative receivables, marketable securities,
ekspor dan tagihan lainnya, kredit yang diberikan, marketable securities purchased under agreements
pembiayaan dan piutang syariah, tagihan akseptasi, to resell, bills and other receivables, loans and
penyertaan saham, bunga yang masih akan sharia financing and receivable, acceptances
diterima, dan aset lain-lain (setoran jaminan). receivable, investments in shares, interest
receivables, and other assets (guarantee deposit).
Liabilitas keuangan Bank dan entitas anak terdiri The Bank and its subsidiaries’ financial liabilities
dari liabilitas segera, simpanan nasabah, simpanan consist of obligations due immediately, deposits
nasabah syariah, simpanan dari bank lain, liabilitas from customers, deposits from customers sharia,
derivatif, liabilitas atas efek-efek yang dijual dengan deposits from other banks, derivative payable,
janji dibeli kembali, liabilitas akseptasi, efek utang liabilities from marketable securities sold under
yang diterbitkan, pinjaman yang diterima, bunga agreements to repurchase, acceptances payable,
yang masih harus dibayar, liabilitas lain-lain. debt securities issued, borrowings, interest payable,
other liabilities.
Bank dan entitas anak menerapkan PSAK 68, The Bank and its subsidiaries adopted SFAS 68,
“Pengukuran Nilai Wajar”. Penerapan PSAK ini "Fair Value Measurement". The adoption of the
mendefinisikan nilai wajar, menetapkan dalam satu SFAS defines fair value, establishes in a statement,
pernyataan, suatu kerangka pengukuran nilai wajar a framework to measure fair value and requires
dan mensyaratkan pengungkapan mengenai disclosures on fair value measurement and
pengukuran dan hierarki nilai wajar. hierarchy.
Bank dan entitas anak selain BJBS menerapkan The Bank and its subsidiaries exclude BJBS
PSAK 71, “Instrumen Keuangan”, yang adopted SFAS 71, “Financial Instruments”, which
menggantikan PSAK 55, “Instrumen Keuangan: replaced SFAS 55, “Financial Instruments:
Pengakuan dan Pengukuran”. Recognition and Measurement”.
(i) Klasifikasi (i) Classification
Bank dan entitas anak mengklasifikasikan aset The Bank and its subsidiaries classify its financial
keuangannya berdasarkan kategori sebagai berikut assets according to the following categories at initial
pada saat pengakuan awal: recognition:
1. Aset keuangan yang diukur pada nilai wajar 1. Financial assets measured at fair value through
melalui laba rugi; profit or loss;
2. Aset keuangan yang diukur pada nilai wajar 2. Financial assets measured at fair value through
melalui penghasilan komprehensif lain; other comprehensive income;
3. Aset keuangan yang diukur pada biaya 3. Financial assets measured at amortized cost.
perolehan diamortisasi.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Model bisnis merefleksikan bagaimana kelompok The business model reflects how Bank and its
aset keuangan dikelola untuk mencapai tujuan subsidiaries of financial assets are managed to
bisnis tertentu. achieve a particular business objective.
Bank dan entitas anak melakukan pengujian The Bank and its subsidiaries assess the contractual
karakteristik arus kas kontraktual dari aset cash flow characteristics of financial assets to
keuangan yang dikelola untuk mengetahui determine the characteristics of contractual cash
karakteristik arus kas kontraktual berasal hanya flows only from the payment of principal and interest
dari pembayaran pokok dan bunga dari jumlah from the outstanding principal (Solely Payment of
pokok terutang (Solely Payment of Principal and Principal and Interest or Pass SPPI) that is
Interest atau Pass SPPI) yang konsisten dengan consistent with basic lending agreement. In making
pengaturan pinjaman dasar (Basic Lending the assessment, the Bank and its subsidiaries
Agreement). Dalam melakukan penilaian, Bank dan considers:
entitas anak mempertimbangkan:
• Imbalan untuk nilai waktu dari uang; • The time value of money element of interest;
• Leverage; • Leverage;
• Variabilitas pada waktu dan jumlah arus kas; • Variability in timing or amount of cash flows;
• Instrumen yang terkait secara kontraktual; • Contractually linked instruments;
• Pembayaran dipercepat; • Early repayment;
• Ketentuan kontrak tidak sah dan de minimis. • Non-genuine features and de minimis.
Aset keuangan diukur pada biaya perolehan Financial assets are measured at amortized cost if
diamortisasi jika kedua kondisi berikut terpenuhi: both of the following conditions are met:
• Aset keuangan yang dikelola dalam model • Financial assets are managed where the
bisnis yang bertujuan untuk memiliki aset business model objectives in order to collect the
keuangan dalam rangka mendapatkan arus kas contractual cash flows; and
kontraktual; dan
• Arus kas kontraktual tersebut semata dari • The contractual cash flows are solely payments
pembayaran pokok dan bunga (SPPI). of principal and interest (SPPI).
Aset keuangan diukur pada nilai wajar melalui Financial assets are measured at fair value through
penghasilan komprehensif lain (FVTOCI) jika kedua other comprehensive income (FVTOCI) if both of the
kondisi berikut: following conditions are met:
• Aset keuangan yang dikelola untuk • Financial assets are managed to collect the
mendapatkan arus kas kontraktual dan menjual contractual cash flows and sell the assets; and
aset keuangan; dan
• Arus kas kontraktual tersebut semata dari • The contractual cash flows are solely payments
pembayaran pokok dan bunga (SPPI). of principal and interest (SPPI).
Aset keuangan diklasifikasikan pada nilai wajar Financial assets are measured at fair value through
melalui laba rugi (FVTPL) jika tidak memenuhi profit or loss (FVTPL) if do not meet the conditions
kondisi yang disyaratkan untuk diukur pada biaya required to be measured at amortized cost or fair
perolehan diamortisasi atau nilai wajar melalui value through other comprehensive income.
penghasilan komprehensif lain.
Pada saat pengakuan awal, Bank dan entitas anak At initial recognition, the Bank and its subsidiaries
dapat membuat pilihan yang tidak dapat dibatalkan may make an irrevocable choice to present equity
untuk menyajikan instrumen ekuitas yang bukan instruments that are not held for trading at fair value
dimiliki untuk diperdagangkan pada nilai wajar through other comprehensive income.
melalui penghasilan komprehensif lain.
Liabilitas keuangan diklasifikasikan ke dalam Financial liabilities are classified into the following
kategori sebagai berikut pada saat pengakuan categories at initial recognition:
awal:
I. Liabilitas keuangan yang diukur pada nilai wajar I. Financial liabilities at fair value through profit or
melalui laba rugi, yang memiliki 2 (dua) sub- loss, which has 2 (two) sub-classifications, i.e.
klasifikasi, yaitu liabilitas keuangan yang those designated as such upon initial recognition
ditetapkan demikian pada saat pengakuan awal and those classified as held for trading;
dan diklasifikasikan dalam kelompok
diperdagangkan;
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
II. Liabilitas keuangan lain. Liabilitas keuangan II. Other financial liabilities. Other financial liabilities
lainnya merupakan liabilitas keuangan yang pertain to financial liabilities that are not held for
tidak dimiliki untuk dijual atau ditentukan trading nor designated as at fair value through
sebagai nilai wajar melalui laba rugi saat profit or loss upon recognition of the liability.
pengakuan liabilitas.
Kategori yang didefinisikan Golongan
Subgolongan/
oleh PSAK 71/ (ditentukan oleh Bank)/
Subclasses
Category as defined by SFAS 71 Class (as determined by the Bank)
Aset keuangan yang diukur pada nilai
Tagihan derivatif - Tidak terkait lindung nilai/Derivative receivables - Non
wajar melalui laba/rugi/Financial assets at
hedging related
fair value through profit or loss
Giro pada Bank Indonesia/Current accounts with Bank Indonesia
Giro pada bank lain/Current accounts with other banks
Penempatan pada Bank Indonesia dan bank-bank lain/Placements with Bank
Indonesia and other banks
Aset keuangan yang diukur pada biaya Tagihan atas efek-efek yang dibeli dengan janji dijual kembali/Receivable from
Aset keuangan/ perolehan yang diamortisasi/Financial marketable securities purchased under agreements to resell
Financial assets assets at amortized cost Tagihan akseptasi/Acceptance receivables
Kredit yang diberikan/Loans
Bunga yang masih akan diterima/Interest receivable
Aset lain-lain/Other assets Setoran jaminan/Security deposit
Surat berharga/Marketable securities
Aset keuangan yang diukur pada nilai
wajar melalui penghasilan komprehensif
Surat berharga/Marketable securities
lain/Financial assets at fair value through
other comprehensive income
Liabilitas keuangan yang diukur pada nilai
wajar melalui laba rugi/Financial liabilities Liabilitas derivatif/Derivative payables
at fair value through profit or loss
Liabilitas segera/Obligation due immediately
Simpanan nasabah/Deposits from customers
Liabilitas
Simpanan bank-bank lain/Deposits from other banks
keuangan/
Liabilitas akseptasi/Acceptance payables
Financial liabilities Liabilitas keuangan yang diukur dengan
Bunga yang masih harus dibayar/Accrued expenses
biaya perolehan diamortisasi/Financial
Setoran jaminan/Security deposits
liabilities at amortized cost Liabilitas lain-lain/ Other
Jasa produksi/Production Service
liabilities
Penghargaan kerja/Gratuity
Efek hutang yang diterbitkan/Debt securities issued
Pinjaman yang diterima/Borrowings
(ii) Pengakuan awal (ii) Initial recognition
a. Pembelian atau penjualan aset a. Purchases or sales of financial assets
keuangan yang memerlukan penyerahan that require delivery of assets within a
aset dalam kurun waktu yang telah time frame established by regulation or
ditetapkan oleh peraturan dan kebiasaan convention in the marketplace (regular
yang berlaku di pasar (pembelian secara way purchases) are recognized on the
reguler) diakui pada tanggal settlement date, i.e., the date that the
penyelesaian, seperti tanggal companies commit to purchase or sell
perusahaan berkomitmen untuk membeli the assets.
atau menjual aset.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Aset keuangan dan liabilitas keuangan b. Financial assets and liabilities are initially
pada awalnya diukur pada nilai recognized at fair value. For those
wajarnya. Dalam hal aset keuangan atau financial assets and liabilities not
liabilitas keuangan tidak diukur pada nilai measured at fair value through profit and
wajar melalui laporan laba rugi, nilai loss, plus directly attributable transaction
wajar tersebut ditambah biaya transaksi costs. The subsequent measurement of
yang dapat diatribusikan secara financial assets and liabilities depends
langsung. Pengukuran aset keuangan on their classification.
dan liabilitas keuangan setelah
pengakuan awal tergantung pada
klasifikasinya.
Biaya transaksi hanya meliputi biaya-biaya Transaction costs only include costs
yang dapat diatribusikan secara langsung that are directly attributable to the acquisition of
untuk perolehan suatu aset keuangan atau a financial asset or issuance of a financial
penerbitan suatu liabilitas keuangan dan liability and an additional charge that would not
merupakan biaya tambahan yang tidak akan occur if the instrument is not acquired or issued.
terjadi apabila instrumen keuangan tersebut For financial assets, transaction costs are
tidak diperoleh atau diterbitkan. Untuk aset added to the amount recognized in the initial
keuangan, biaya transaksi ditambahkan pada recognition of the asset, while for financial
jumlah yang diakui pada awal pengakuan liabilities, transaction costs are deducted from
aset, sedangkan untuk liabilitas keuangan, the amount of debt recognized on initial
biaya transaksi dikurangkan dari jumlah utang recognition of a liability. The transaction costs
yang diakui pada pengakuan awal liabilitas. are amortized over the terms of the instrument
Biaya transaksi tersebut diamortisasi selama based on the effective interest rate method and
umur instrumen berdasarkan metode suku recorded as part of interest income for
bunga efektif dan dicatat sebagai bagian dari transaction costs related to the financial asset
pendapatan bunga untuk biaya transaksi or as part of interest expense for transaction
sehubungan dengan aset keuangan atau costs related to financial liabilities.
sebagai bagian dari beban bunga untuk biaya
transaksi sehubungan dengan liabilitas
keuangan.
Bank dan entitas anak, pada pengakuan awal, The Bank and its subsidiaries, upon initial
dapat menetapkan aset keuangan dan recognition, may designate certain financial
liabilitas keuangan tertentu sebagai nilai wajar assets and liabilities, at fair value through profit
melalui laba rugi (opsi nilai wajar). Opsi nilai or loss (fair value option). The fair value option
wajar dapat digunakan hanya bila memenuhi is only applied when the following conditions
ketetapan sebagai berikut: are met:
• penetapan sebagai opsi nilai wajar • the application of the fair value option
mengurangi atau mengeliminasi ketidak- reduces or eliminates an accounting
konsistenan pengukuran dan pengakuan mismatch that would otherwise arise;
(accounting mismatch) yang dapat timbul;
• aset keuangan dan liabilitas keuangan • the financial assets and liabilities are part of
merupakan bagian dari portofolio a portfolio of financial instruments, the risks
instrumen keuangan yang risikonya of which are managed and reported to key
dikelola dan dilaporkan kepada management on a fair value basis; or
manajemen kunci berdasarkan nilai wajar;
atau
• aset keuangan dan liabilitas keuangan • the financial assets and liabilities consist of
terdiri dari kontrak utama dan derivatif a host contract and an embedded derivative
melekat yang harus dipisahkan, tetapi tidak that must be bifurcated, but unable to
dapat mengukur derivatif melekat secara measure the embedded derivative
terpisah. separately.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
(iii) Pengukuran setelah pengakuan awal (iii) Subsequent measurement
Aset keuangan dalam kelompok aset Financial assets at fair value through other
keuangan yang diukur pada nilai wajar melalui comprehensive income and financial assets
penghasilan komprehensif lain dan aset and financial liabilities at fair value through
keuangan dan liabilitas keuangan yang diukur profit or loss are measured at fair value.
pada nilai wajar melalui laba rugi diukur pada
nilai wajarnya.
Aset keuangan kelompok biaya perolehan Financial assets classified as amortized cost
diamortisasi dan liabilitas keuangan lainnya and other financial liabilities measured at
diukur pada biaya perolehan diamortisasi amortized cost using the effective interest rate
dengan menggunakan metode suku bunga method.
efektif.
(iv) Penghentian pengakuan (iv) Derecognition
a. Aset keuangan dihentikan a. Financial assets are derecognized when:
pengakuannya jika:
• Hak kontraktual atas arus kas yang • The contractual rights to receive cash
berasal dari aset keuangan tersebut flows from the financial assets have
berakhir; atau expired; or
• Bank dan entitas anak mentransfer • The Bank and its subsidiaries have
hak untuk menerima arus kas yang transferred its rights to receive cash
berasal dari aset keuangan atau flows from the financial assets or has
menanggung liabilitas untuk assumed an obligation to pay the
membayarkan arus kas yang diterima received cash flows in full
tersebut secara penuh tanpa without material delay to a third party
penundaan berarti kepada pihak under a ‘pass-through arrangement’;
ketiga di bawah kesepakatan and
pelepasan (pass-through
arrangement); dan
• Antara (a) Bank dan entitas anak • Either (a) the Bank and its subsidiaries
telah mentransfer secara substansial has transferred substantially all the
seluruh risiko dan manfaat atas aset, risks and rewards of the asset, or
atau (b) Bank dan entitas anak tidak (b) the Bank and its subsidiaries has
mentransfer maupun tidak memiliki neither transferred nor retained
secara substansial seluruh risiko dan substantially all the risks and rewards
manfaat atas aset, namun telah of the asset but has transferred control
mentransfer kendali atas aset. of the asset.
Ketika Bank dan entitas anak telah When the Bank and its subsidiaries has
mentransfer hak untuk menerima arus transferred its rights to receive cash flows
kas dari aset atau di bawah kesepakatan from an asset or has entered into a pass-
pelepasan (pass-through arrangement), through arrangement and has neither
dan tidak mentransfer serta tidak transferred nor retained substantially all
mempertahankan secara substansial risks and rewards of the asset nor
seluruh risiko dan manfaat atas aset dan transferred control of the asset, the asset
masih memiliki pengendalian atas aset, is recognized to the extent of the Bank and
aset diakui sebesar keterlibatan Bank its subsidiaries’ continuing involvement in
dan entitas anak yang berkelanjutan atas the asset.
aset tersebut.
Kredit yang diberikan atau aset Loans or other financial assets are written
keuangan lain dihapusbukukan ketika off when there is no realistic prospect of
tidak terdapat prospek yang realistis collection in the near future or the normal
mengenai pengembalian kredit dalam relationship with the borrowers has ceased
waktu dekat atau hubungan normal to exist. When a loan is deemed
dengan debitur telah berakhir. Kredit uncollectible, it is written off against the
yang tidak dapat dilunasi related allowance for impairment losses.
dihapusbukukan dengan mendebit
cadangan kerugian penurunan nilai.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Liabilitas keuangan dihentikan b. Financial liabilities are derecognized when
pengakuannya jika liabilitas keuangan they are extinguished, i.e. liabilities stated
tersebut berakhir, yaitu ketika liabilitas in the contract are released or cancelled or
yang ditetapkan dalam kontrak have expired.
dilepaskan atau dibatalkan atau
kadaluwarsa.
Jika suatu liabilitas keuangan yang ada Where an existing financial liability is
digantikan dengan yang lain oleh replaced by another from the same lender
pemberi pinjaman yang sama pada on substantially different terms, or the
keadaan yang secara substansial terms of an existing liability are
berbeda, atau berdasarkan suatu substantially modified, such an exchange
liabilitas yang ada yang secara or modification is treated as derecognition
substansial telah diubah, seperti of the original liability and the recognition
pertukaran atau modifikasi yang of a new liability, and the difference in the
diperlakukan sebagai penghentian respective carrying amounts is recognised
pengakuan liabilitas awal dan pengakuan in the consolidated statement of profit and
liabilitas baru, dan perbedaan nilai loss and other comprehensive income.
tercatat masing-masing diakui dalam
laporan laba rugi dan penghasilan
komprehensif lain konsolidasian.
(v) Pengakuan pendapatan dan beban (v) Income and expense recognition
a. Pendapatan dan beban bunga atas aset- a. Interest income and expense on financial
aset keuangan yang diukur pada nilai assets measured at fair value through
wajar melalui penghasilan komprehensif other comprehensive income (FVOCI)
lain (FVOCI), serta aset keuangan dan and financial assets and liabilities
liabilitas keuangan yang dicatat measured at amortized cost are
berdasarkan biaya perolehan recognised in the consolidated statement
diamortisasi diakui pada laporan laba of profit and loss and other
rugi dan penghasilan komprehensif lain comprehensive income using the
konsolidasian dengan menggunakan effective interest method.
metode suku bunga efektif.
b. Keuntungan dan kerugian yang belum b. Unrealized gains and losses arising from
direalisasi yang timbul dari perubahan changes in the fair value of the financial
nilai wajar aset keuangan dan liabilitas assets and liabilities measured at fair
keuangan yang diukur pada nilai wajar value through profit or loss are included
melalui laporan laba rugi diakui pada in the statement of profit and loss and
laporan laba rugi dan penghasilan other comprehensive income.
komprehensif lain konsolidasian.
Keuntungan dan kerugian yang belum Unrealized gains and losses arising from
direalisasi yang timbul dari perubahan changes in the fair value of financial
nilai wajar aset keuangan yang assets measured at fair value through
diklasifikasikan dalam kelompok nilai other comprehensive income (FVOCI)
wajar melalui penghasilan komprehensif other than foreign exchange gains and
lain (FVOCI), kecuali keuntungan atau losses from monetary items are
kerugian akibat perubahan nilai tukar recognised directly in equity, until the
diakui secara langsung dalam ekuitas, financial asset is derecognized or
sampai aset keuangan tersebut impaired.
dihentikan pengakuannya atau adanya
penurunan nilai.
Pada saat aset keuangan dihentikan At the time the financial asset is
pengakuannya atau dilakukan penurunan derecognized or impaired, the cumulative
nilai, keuntungan atau kerugian kumulatif gains or losses previously recognized in
yang sebelumnya diakui dalam ekuitas equity are recognized in consolidated
harus diakui pada laporan laba rugi dan statement of profit or loss and other
penghasilan komprehensif lain comprehensive income.
konsolidasian.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
(vi) Reklasifikasi aset keuangan (vi) Reclassification of financial assets
Bank dan entitas anak mereklasifikasi aset The Bank and its subsidiaries reclassifies
keuangan jika dan hanya jika, model bisnis financial assets if and only if, the business
untuk pengelolaan aset keuangan berubah. model for managing financial assets
changes.
Reklasifikasi aset keuangan dari klasifikasi Reclassifications of financial assets from
biaya perolehan yang diamortisasi ke amortized cost classifications to fair value
klasifikasi nilai wajar melalui laba rugi dicatat through profit or loss are carrying at fair
sebesar nilai wajarnya. Selisih antara nilai value. The difference between the recorded
tercatat dengan nilai wajar diakui sebagai value and fair value is recognized in profit or
keuntungan atau kerugian pada laba rugi. loss on the statement of profit or loss and
other comprehensive income.
Reklasifikasi aset keuangan dari klasifikasi Reclassifications of financial assets from
biaya perolehan yang diamortisasi ke amortized cost classifications to fair value
klasifikasi nilai wajar melalui penghasilan classifications through other comprehensive
komprehensif lain dicatat sebesar nilai income are recorded at their fair values.
wajarnya.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial asseets from fair
nilai wajar melalui penghasilan komprehensif value classification through other
lain ke klasifikasi nilai wajar melalui laba rugi comprehensive income to fair value
dicatat pada nilai wajar. Keuntungan atau classification through profit or loss is
kerugian yang belum direalisasi direklasifikasi recorded at fair value. Unrealized gains or
ke laba rugi. losses are reclassified to profit or loss.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from fair
nilai wajar melalui penghasilan komprehensif value classifications through other
lain ke klasifikasi biaya perolehan yang comprehensive income to the amortized cost
diamortisasi dicatat pada nilai tercatat. classification is recorded at carrying value.
Keuntungan atau kerugian yang belum Unrealized gains or losses is removed from
direalisasi dihapus dari ekuitas dan equity and adjusted agains the fair value.
disesuaikan terhadap nilai wajar.
Reklasifikasi aset keuangan dari klasifikasi Reclassifications on financial assets from fair
nilai wajar melalui laba rugi ke klasifikasi nilai value classification through profit or loss to
wajar melalui penghasilan komprehensif lain fair value classification through other
dicatat pada nilai wajar. comprehensive income are recorded at fair
value.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from fair
nilai wajar melalui laba rugi ke klasifikasi value classification through profit or loss to
biaya perolehan yang diamortisasi dicatat amortized cost classification is recorded at
pada nilai wajar. fair value.
(vii) Saling hapus (vii) Offsetting
Aset keuangan dan liabilitas keuangan Financial assets and liabilities are off-set and
dilakukan saling hapus dan nilai bersihnya the net amount is presented in the
disajikan dalam laporan posisi keuangan consolidated statement of financial position
konsolidasian jika, dan hanya jika, Bank dan when, and only when, the Bank and its
entitas anak memiliki hak yang berkekuatan subsidiaries have a legal right to off-set the
hukum untuk melakukan saling hapus atas amounts and intends either to settle on a net
jumlah yang telah diakui tersebut dan adanya basis or to realize the asset and settle the
maksud untuk menyelesaikan secara neto liability simultaneously.
atau untuk merealisasikan aset dan
menyelesaikan liabilitasnya secara simultan.
Pendapatan dan beban disajikan dalam Income and expenses are presented on a net
jumlah bersih hanya jika diperkenankan oleh basis only when permitted by the Financial
Standar Akuntansi Keuangan. Accounting Standards.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
(viii) Pengukuran biaya diamortisasi (viii) Amortized cost measurement
Biaya perolehan diamortisasi dari aset The amortized cost of a financial asset or
keuangan atau liabilitas keuangan adalah liability is the amount at which the financial
jumlah aset keuangan atau liabilitas keuangan asset or liability is measured at initial
yang diukur pada saat pengakuan awal recognition, minus principal repayments,
dikurangi pembayaran pokok pinjaman, plus or minus the cumulative amortization
ditambah atau dikurangi amortisasi kumulatif using the effective interest rate method of
menggunakan metode suku bunga efektif yang any difference between the initial amount
dihitung dari selisih antara nilai pengakuan recognized and the maturity amount, minus
awal dan nilai jatuh temponya, dan dikurangi any reduction for impairment.
penurunan nilai.
(ix) Pengukuran nilai wajar (ix) Fair value measurement
Nilai wajar adalah harga yang akan diterima Fair value is the price that would be received
untuk menjual suatu aset atau harga yang to sell an asset or paid to transfer a liability
akan dibayar untuk mengalihkan suatu in an orderly transaction between market
liabilitas dalam transaksi teratur antara pelaku participants at the measurement date.
pasar pada tanggal pengukuran.
Pengukuran nilai wajar mengasumsikan The fair value measurement is based on the
bahwa transaksi untuk menjual aset atau presumption that the transaction to sell an
mengalihkan liabilitas terjadi: asset or paid to transfer a liability takes
place either:
• di pasar utama untuk aset dan liabilitas • in the principal market for the assets
tersebut; atau and liabilities; or
• jika tidak terdapat pasar utama, di pasar • in the absence of a principal market, in
yang paling menguntungkan untuk aset the most advantageous market for the
atau liabilitas tersebut. asset or liability.
Nilai wajar suatu aset atau liabilitas diukur The fair value of an asset or a liability is
menggunakan asumsi yang akan digunakan measured using the assumptions that
pelaku pasar ketika menentukan harga aset market participants would use when
dan liabilitas tersebut dengan asumsi bahwa determining the price of the asset and
pelaku pasar bertindak dalam kepentingan liability assuming that market participants
ekonomi terbaiknya. act in their own economic best interest.
Pengukuran nilai wajar aset non-keuangan A fair value measurement of non-financial
memperhitungkan kemampuan pelaku pasar assets considers a market participant’s
untuk menghasilkan manfaat ekonomi dengan ability to generate economic benefits by
menggunakan aset dalam penggunaan using the asset in its highest and best use or
tertinggi dan terbaiknya atau dengan by selling it to other market participants that
menjualnya kepada pelaku pasar lain yang would use the asset in its highest and best
akan menggunakan aset tersebut dalam use.
penggunaan tertinggi dan terbaiknya.
Bank dan entitas anak menggunakan teknik The Bank and its subsidiaries use valuation
penilaian yang sesuai dalam keadaan dan techniques that are appropriate in the
dimana data yang memadai tersedia untuk circumstances and for which sufficient data
mengukur nilai wajar, memaksimalkan are available to measure fair value,
penggunaan input yang dapat diobservasi maximizing the use of relevant observable
yang relevan dan meminimalkan penggunaan inputs and minimizing the use of
input yang tidak dapat diobservasi. unobservable inputs.
Pada saat nilai wajar dari unlisted equity In cases when the fair value of unlisted
instruments tidak dapat ditentukan dengan equity instruments cannot be determined
andal, instrumen tersebut dinilai sebesar biaya reliably, the instruments are carried at cost
perolehan dikurangi dengan penurunan nilai. less impairment value. The fair value for
Nilai wajar atas pinjaman yang diberikan dan loans and receivables as well as liabilities to
piutang, serta liabilitas kepada bank dan banks and customers are determined using
nasabah ditentukan menggunakan nilai a present value model on the basis of
berdasarkan arus kas kontraktual, dengan contractually agreed cash flows, taking into
mempertimbangkan kualitas kredit, likuiditas, account credit quality, liquidity and costs.
dan biaya.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Semua aset dan liabilitas dimana nilai wajar All assets and liabilities for which fair value
diukur atau diungkapkan dalam laporan is measured or disclosed in the consolidated
keuangan konsolidasian dapat dikategorikan financial statements are classified within fair
pada level hierarki nilai wajar, berdasarkan value hierarchy, based on the lowest level
tingkatan input terendah yang signifikan atas input that is significant to the fair value
pengukuran nilai wajar secara keseluruhan: measurement as a whole:
• Level 1: harga kuotasian (tanpa • Level 1: quoted (unadjusted) market
penyesuaian) di pasar aktif untuk aset prices in active markets for identical
atau liabilitas yang identik yang dapat assets or liabilities accessible at the
diakses pada tanggal pengukuran; measurement date;
• Level 2: input selain harga kuotasian • Level 2: inputs other than quoted
yang termasuk dalam level 1 yang dapat prices included in level 1 for the asset
diobservasi untuk aset dan liabilitas, baik and liability, which is directly or
secara langsung atau tidak langsung; indirectly observable;
• Level 3: input yang tidak dapat • Level 3: unobservable inputs for the
diobservasi untuk aset dan liabilitas. asset and liability.
Untuk aset dan liabilitas yang diakui pada For assets and liabilities that are recognized
laporan keuangan konsolidasian secara in the consolidated financial statements on a
berulang, Bank dan entitas anak menentukan recurring basis, Bank and its subsidiaries
apakah terjadi transfer antara level di dalam determine whether transfers have occurred
hierarki dengan cara mengevaluasi kategori between levels in the hierarchy by re-
(berdasarkan input level terendah yang assessing categorization (based on the
signifikan dalam pengukuran nilai wajar) lowest level input that is significant to the fair
setiap akhir periode pelaporan. value measurement as a whole) at the end
of each reporting period.
Untuk tujuan pengungkapan nilai wajar, Bank For the fair value disclosures purposes,
dan entitas anak telah menentukan kelas Bank and its subsidiaries has determined
aset dan liabilitas berdasarkan sifat, classes of assets and liabilities based on the
karakteristik, risiko aset dan liabilitas, dan nature, characteristics, risks of the asset
level hierarki nilai wajar (Catatan 40). and liability, and the level of the fair value
hierarchy (Note 40).
(x) Aset Keuangan Sukuk (x) Sukuk Financial Asset
Pada saat pengakuan awal, Bank dan entitas At initial recognition, Bank and its
anak menentukan klasifikasi investasi pada subsidiaries determines the classification of
sukuk diukur pada biaya perolehan atau investments in sukuk either measured at
diukur pada nilai wajar. cost or fair value.
Investasi pada sukuk ijarah dan sukuk After the initial recognition, investment in
mudharabah setelah pengakuan awal, diukur ijarah sukuk and mudharabah sukuk is
sebagai berikut: measured as follows:
a. Diukur pada biaya perolehan a. Measured at cost
• Investasi tersebut dimiliki dalam • The investment is held in a
suatu model usaha yang bertujuan business model whereby the
utama untuk memperoleh arus kas primary goal is to obtain
kontraktual dan terdapat persyaratan contractual cash flows and has
kontraktual dalam menentukan contractual terms in determining
tanggal tertentu atas pembayaran the specific date of principal
pokok dan atau hasilnya; payments and or the results;
• Biaya perolehan sukuk termasuk • Sukuk acquisition cost includes
biaya transaksi; transaction cost;
• Selisih antara biaya perolehan dan • The difference between the
nilai nominal diamortisasi secara acquisition cost and the nominal
garis lurus selama jangka waktu value is amortized on a straight-
sukuk; line basis over the period of the
sukuk;
• Rugi penurunan nilai diakui jika • Impairment loss is recognized if the
jumlah terpulihkan lebih kecil dari recoverable amount is less than
jumlah tercatat dan disajikan sebagai the carrying amount and is
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Page 707
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
rugi penurunan nilai di dalam laporan presented as an impairment loss in
laba rugi dan penghasilan the consolidated statement of profit
komprehensif lain konsolidasian. or loss and other comprehensive
income.
b. Diukur pada nilai wajar melalui laba rugi b. Measured at fair value through profit
or loss
• Nilai wajar ditentukan dengan • The fair value is determined with
mengacu pada urutan sebagai reference to the following order:
berikut:
- Kuotasi harga di pasar aktif; - Quoted price in active market;
- Harga yang terjadi dari transaksi - Price from the current
terkini, apabila tidak ada kuotasi transaction, if there is no
harga di pasar aktif; available price quotations in an
active market;
- Nilai wajar instrumen sejenis, - Fair value of similar instrument,
apabila tidak ada kuotasi harga di if there is no available price
pasar aktif dan tidak ada harga quotations in an active market
yang terjadi dari transaksi terkini. and no price from the current
transaction.
• Biaya perolehan sukuk tidak • Sukuk acquisition cost does not
termasuk biaya transaksi; include transaction cost;
• Selisih antara nilai wajar dan jumlah • The difference between fair value
tercatat diakui dalam laporan laba and carrying value is presented in
rugi dan penghasilan komprehensif the consolidated statement of profit
lain konsolidasian. or loss and other comprehensive
income.
c. Diukur pada nilai wajar melalui c. Measured at fair value through other
penghasilan komprehensif lain comprehensive income
• Selisih antara biaya perolehan dan • Difference between acquisition
nilai nominal Sukuk diamortisasi cost and principal amortized on a
secara garis lurus selama jangka straight line basis over the term of
waktu Sukuk; Sukuk;
• Selisih antara nilai wajar dan nilai • Difference between fair value and
tercatat dari investasi Sukuk diakui carrying amount of FVOCI Sukuk
sebagai penghasilan komprehensif recognized as other
lain. comprehensive income.
Semua investasi sukuk dilakukan dengan All investment in sukuk was done under
akad ijarah. ijarah contracts.
e. Giro pada Bank Indonesia dan bank lain e. Current accounts with Bank Indonesia and
other banks
Giro pada Bank Indonesia dan bank lain The current accounts with Bank Indonesia and
diklasifikasikan sebagai biaya perolehan yang other banks are classified as amortized cost and
diamortisasi dan dinyatakan sebesar biaya stated at amortized cost using the effective
perolehan diamortisasi menggunakan metode suku interest rate method.
bunga efektif.
Lihat Catatan 2d untuk kebijakan akuntansi atas Refer to Note 2d for the accounting policies of
aset dan liabilitas keuangan. financial assets and liabilities.
f. Penempatan pada Bank Indonesia dan bank f. Placements with Bank Indonesia and other
lain banks
Penempatan pada Bank Indonesia dan bank lain The placements with Bank Indonesia and other
diklasifikasikan sebagai biaya perolehan yang banks are classified as amortized cost which are
diamortisasi yang dinyatakan sebesar biaya stated at amortized cost using the effective
perolehan diamortisasi menggunakan metode suku interest rate method.
bunga efektif.
Lihat Catatan 2d untuk kebijakan akuntansi atas Refer to Note 2d for the accounting policies of
aset dan liabilitas keuangan. financial assets and liabilities.
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Page 708
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
g. Surat berharga g. Marketable securities
Surat berharga yang dimiliki terdiri dari Obligasi Marketable securities consist of Government
Negara, Sukuk, Project Based Sukuk (PBS), Bonds, Sukuk, Project Based Sukuk (PBS),
Obligasi Retail Indonesia, Reksadana, Obligasi Indonesia Retail Bonds, Mutual Funds, Corporate
Korporasi, Sekuritas Rupiah Bank Indonesia Bonds, Sekuritas Rupiah Bank Indonesia (SRBI),
(SRBI), dan Sekuritas Valas Bank Indonesia and Sekuritas Valas Bank Indonesia (SVBI)
(SVBI) yang diperdagangkan di bursa efek. traded on the stock exchange.
Pada saat pengakuan awal, efek-efek dicatat At initial recognition, securities are recorded
sesuai dengan kategorinya yaitu aset keuangan according to their category, i.e., amortized cost,
diklasifikasikan pada biaya perolehan yang fair value through other comprehensive income or
diamortisasi, nilai wajar melalui penghasilan at fair value through profit or loss.
komprehensif lain atau nilai wajar melalui laba rugi.
Lihat Catatan 2d untuk kebijakan akuntansi atas Refer to Note 2d for the accounting policies of
aset dan liabilitas keuangan. financial assets and liabilities.
h. Tagihan/liabilitas atas efek-efek yang h. Receivables/liabilities from marketable
dibeli/dijual dengan janji dijual/dibeli kembali securities purchased/sold under agreements
to resell/repurchase
Efek-efek yang dibeli dengan janji untuk dijual Securities purchased under agreements to resell
kembali diklasifikasikan sebagai biaya perolehan are classified as amortized cost.
yang diamortisasi.
Efek-efek yang dibeli dengan janji untuk dijual Securities purchased under agreements to resell
kembali disajikan sebagai aset dalam laporan are presented as assets in the consolidated
posisi keuangan konsolidasian sebesar jumlah statement of financial position, at the resale price
penjualan kembali dikurangi dengan pendapatan net of unamortized interest income and allowance
bunga yang belum diamortisasi dan cadangan for impairment losses. The difference between the
kerugian penurunan nilai. Selisih antara harga beli purchase price and the resale price is treated as
dan harga jual kembali diperlakukan sebagai unearned interest income and recognized as
pendapatan bunga yang ditangguhkan, dan diakui income over the period starting from when those
sebagai pendapatan selama periode sejak efek- securities are purchased until they are sold using
efek tersebut dibeli hingga dijual menggunakan effective interest rate method.
suku bunga efektif.
Liabilitas atas efek-efek yang dijual dengan janji Liabilities from marketable securities sold under
dibeli kembali diklasifikasikan sebagai liabilitas agreements to repurchase are classified as
keuangan yang diukur dengan biaya perolehan financial liabilities measured at amortized cost.
diamortisasi.
Liabilitas atas efek-efek yang dijual dengan janji Liabilities from marketable securities sold under
dibeli kembali disajikan sebagai liabilitas dalam agreements to repurchase are presented as
laporan posisi keuangan konsolidasian sebesar liabilities in the consolidated statement of financial
jumlah pembelian kembali, dikurangi dengan position, at the repurchase price, net of
bunga dibayar di muka yang belum diamortisasi. unamortized prepaid interest. The difference
Selisih antara harga jual dan harga beli kembali between the selling price and the repurchase
diperlakukan sebagai bunga dibayar di muka dan price is treated as prepaid interest and recognized
diakui sebagai beban bunga selama jangka waktu as interest expense over the period starting from
sejak efek-efek tersebut dijual hingga dibeli when those securities are sold until they are
kembali menggunakan metode suku bunga efektif. repurchased using effective interest rate method.
Lihat catatan 2d untuk kebijakan akuntansi atas Refer to note 2d for the accounting policies of
aset dan liabilitas keuangan. financial assets and liabilities.
i. Wesel ekspor dan tagihan lainnya i. Bills and other receivables
Wesel ekspor dan tagihan lainnya terdiri atas Bills and other receivables consist of receivables
tagihan dari letters of credit dan Surat Kredit from letters of credit and Domestic Documentary
Berdokumen Dalam Negeri (SKBDN) kepada Letters of Credit to exporters.
eksportir.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Wesel ekspor dan tagihan lainnya dicatat pada Bills and other receivables are stated at amortized
biaya perolehan diamortisasi setelah dikurangi cost less allowance for impairment losses.
cadangan kerugian penurunan nilai.
Lihat catatan 2d untuk kebijakan akuntansi atas Refer to note 2d for the accounting policies of
aset dan liabilitas keuangan. financial assets and liabilities.
j. Tagihan derivatif dan liabilitas derivatif j. Derivatives receivable and payable
Seluruh instrumen derivatif (termasuk transaksi All derivative instruments (including foreign
valuta asing untuk tujuan pendanaan dan currency transactions for funding and trading) are
perdagangan) dicatat dalam laporan posisi recorded in the statement of financial position at
keuangan konsolidasian berdasarkan nilai fair value. Fair value is determined based on
wajarnya. Nilai wajar tersebut ditentukan market value using Reuters rate at reporting date
berdasarkan harga pasar dengan menggunakan or discounted cash flow method.
kurs Reuters pada tanggal laporan atau metode
diskonto arus kas.
Tagihan derivatif disajikan sebesar keuntungan Derivatives receivables are presented for
yang belum direalisasi dari kontrak derivatif, unrealized gains from derivatives contracts, net of
setelah dikurangi cadangan kerugian penurunan allowance for impairment losses. Derivatives
nilai. Liabilitas derivatif disajikan sebesar kerugian payables are presented for unrealized losses from
yang belum direalisasi dari kontrak derivatif. derivatives contracts.
Keuntungan atau kerugian dari kontrak derivatif Gains or losses on derivatives contracts are
disajikan dalam laporan keuangan konsolidasian presented in the consolidated financial statements
berdasarkan tujuan Bank atas transaksi yaitu untuk based on its purpose on the transaction, as
(1) lindung nilai atas nilai wajar, (2) lindung nilai (1) a hedge of the fair value, (2) a cash flow
atas arus kas, (3) lindung nilai atas investasi bersih hedge, (3) a hedge of a net investment in foreign
pada kegiatan operasi luar negeri dan operations and (4) trading instruments, as follows:
(4) instrumen perdagangan, sebagai berikut:
• Keuntungan atau kerugian dari kontrak • Gains or losses on derivatives contracts that
derivatif yang ditujukan dan memenuhi syarat are designated and qualify as hedging
sebagai instrumen lindung nilai atas nilai wajar instruments in the fair value and the gains or
dan keuntungan atau kerugian atas perubahan losses on changes in fair value of assets and
nilai wajar aset dan liabilitas yang dilindungi, liabilities that are protected, recognized as a
diakui sebagai laba atau rugi yang dapat gain or loss may be offset in the same
saling hapus dalam periode akuntansi yang accounting period. Any difference
sama. Setiap selisih yang terjadi menunjukkan representing hedge ineffectiveness is
terjadinya ketidakefektifan lindung nilai dan recognized as profit or loss for the current
secara langsung diakui sebagai laba atau rugi year;
tahun berjalan;
• Bagian efektif dari keuntungan atau kerugian • The effective portions of gains or losses on
atas kontrak derivatif yang ditujukan sebagai derivative contracts designated as cash flow
lindung nilai atas arus kas dilaporkan sebagai hedge are reported as other comprehensive
penghasilan komprehensif lainnya. Bagian income. The ineffective portions of the hedge
yang tidak efektif dari lindung nilai dilaporkan are reported as profit or loss for the current
sebagai laba atau rugi tahun berjalan; year;
• Keuntungan atau kerugian dari kontrak • Gains or losses on derivative contracts
derivatif yang ditujukan sebagai lindung nilai designated as hedges of a net investment in
atas investasi bersih pada kegiatan operasi a foreign operation are reported as other
luar negeri dilaporkan sebagai penghasilan comprehensive income to the extent it is
komprehensif lainnya, sepanjang transaksi effective as a hedge;
tersebut dianggap efektif sebagai transaksi
lindung nilai;
• Keuntungan atau kerugian dari kontrak • Gains or losses on derivative contracts not
derivatif yang tidak ditujukan sebagai designated as a hedging instrument (or
instrumen lindung nilai (atau kontrak derivatif derivative contract that does not qualify as a
yang tidak memenuhi persyaratan sebagai hedging instrument) is recognized as profit or
instrumen lindung nilai) diakui sebagai laba loss for the current year.
atau rugi pada tahun berjalan.
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Page 710
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tagihan derivatif diklasifikasikan sebagai aset Derivatives receivable are classified as financial
keuangan dalam kelompok diukur pada nilai wajar assets at fair value through profit or loss, whereas
melalui laba rugi, sedangkan liabilitas derivatif the derivatives payable classified as financial
diklasifikasikan sebagai liabilitas keuangan dalam liabilities in measured at fair value through profit
kelompok diukur pada nilai wajar melalui laba rugi. or loss.
Lihat Catatan 2d untuk kebijakan akuntansi atas Refer to Note 2d for the accounting policies of
aset dan liabilitas keuangan. financial assets and liabilities.
k. Kredit yang diberikan k. Loans
Kredit yang diberikan merupakan penyediaan uang Loans represent the lending of money or
atau tagihan yang dapat disamakan dengan itu, equivalent receivables under contracts with
berdasarkan kesepakatan dengan pihak penerima borrowers, where the borrowers are required to
kredit dan mewajibkan pihak penerima kredit untuk repay their debts with interest after a specified
melunasi setelah jangka waktu tertentu dengan period of time.
imbalan bunga.
Kredit yang diberikan pada awalnya diukur pada Loans are initially measured at fair value plus
nilai wajar ditambah dengan biaya transaksi yang transaction cost that are directly attributable and
dapat diatribusikan secara langsung dan biaya additional cost to obtain the financial assets.
tambahan untuk memperoleh aset keuangan Subsequently measured at their amortized cost
tersebut. Setelah pengakuan awal diukur pada biaya using the effective interest rate method, net of
perolehan diamortisasi menggunakan metode suku allowance for impairment losses.
bunga efektif dikurangi dengan cadangan kerugian
penurunan nilai.
Kredit yang diberikan diklasifikasikan sebagai biaya Loans are classified as amortized cost. Loans
perolehan diamortisasi. Kredit yang diberikan dalam under syndication or channeling are stated at the
pinjaman sindikasi ataupun penerusan kredit principal amount equal to the risk portion
dinyatakan sebesar pokok kredit sesuai dengan assumed by the Bank and its subsidiaries.
porsi risiko yang ditanggung oleh Bank dan entitas
anak.
Kredit yang direstrukturisasi disajikan sebesar nilai Restructured loans are stated at the lower of
yang lebih rendah antara nilai tercatat kredit pada carrying value on the date of restructuring or
tanggal restrukturisasi atau nilai tunai penerimaan value of the future cash receipts after the
kas masa depan setelah restrukturisasi. Kerugian restructuring. Losses resulting from the difference
akibat selisih antara nilai tercatat kredit pada tanggal between the carrying value on the date of
restrukturisasi dengan nilai tunai penerimaan kas restructuring the present value of future cash
masa depan setelah restrukturisasi diakui dalam receipts after the restructuring is recognized in the
laporan laba rugi dan penghasilan komprehensif lain consolidated statement of profit or loss and other
konsolidasian. Setelah restrukturisasi, semua comprehensive income. After the restructuring, all
penerimaan kas masa depan yang ditetapkan dalam future cash receipts specified by the new terms
persyaratan baru dicatat sebagai pengembalian are recorded as a return of principal loans and
pokok kredit yang diberikan dan pendapatan bunga interest income in accordance with the terms of
sesuai dengan syarat-syarat restrukturisasi. the restructuring.
Kredit yang diberikan dihapusbukukan ketika tidak Loans are written off when there is no realistic
terdapat prospek yang realistis mengenai prospect of collection or when the Bank and its
pengembalian kredit atau hubungan antara Bank subsidiaries relationship with the borrowers has
dan entitas anak dengan debitur telah berakhir. ended. Loans that cannot be repaid are written-off
Kredit yang tidak dapat dilunasi dihapusbukukan by debiting the allowance for impairment losses.
dengan mendebit cadangan kerugian penurunan
nilai.
Lihat Catatan 2d untuk kebijakan akuntansi atas Refer to Note 2d for the accounting policies of
aset dan liabilitas keuangan. financial assets and liabilities.
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Page 711
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
l. Pembiayaan dan piutang syariah l. Sharia financing and receivables
Pembiayaan dan piutang berdasarkan prinsip Sharia financing and receivables is receivables
syariah adalah penyediaan uang atau tagihan yang from providing funds or other similar form of
dapat disamakan dengan itu, yang timbul dari receivables arising from transactions carried out
transaksi berdasarkan prinsip jual beli dan bagi hasil based on sale or purchase arrangements and
antara Bank dan entitas anak dengan pihak lain profit sharing between Bank and its subsidiaries
selama jangka waktu tertentu. and other parties for a certain period of time.
Piutang tersebut meliputi piutang murabahah, Such receivables consist of receivables arising
piutang istishna dan qardh, untuk pembiayaan from murabahah transactions, istishna
meliputi pembiayaan mudharabah dan pembiayaan transactions and qardh transactions, for financing
musyarakah. consist of mudharabah financing and musyarakah
financing.
Murabahah adalah akad jual beli antara nasabah Murabahah is a sale or purchase contract
dengan Bank dan entitas anak, dimana Bank dan between the customer and Bank and its
entitas anak membiayai kebutuhan investasi dan subsidiaries, whereby Bank and its subsidiaries
modal kerja nasabah yang dijual dengan harga finances the investment and working capital
pokok ditambah dengan keuntungan yang diketahui needs of the customer sold with a principal price
dan disepakati bersama. Pembayaran atas plus a certain margin that is mutually informed
pembiayaan ini dilakukan dengan cara mengangsur and agreed upon. Repayment on this financing is
dalam jangka waktu yang ditentukan. made in installments within a specified period.
Piutang murabahah pada awalnya diukur pada nilai Murabahah receivables initially measured at fair
wajar ditambah dengan biaya transaksi yang dapat value plus directly attributable transaction cost
diatribusikan secara langsung dan merupakan biaya and is an additional cost to obtain the respective
tambahan untuk memperoleh aset keuangan financial assets, and after the initial recognition
tersebut dan setelah pengakuan awal diukur pada murabahah receivables are measured at
biaya perolehan diamortisasi menggunakan metode amortized cost using the effective margin method
margin efektif dikurangi dengan cadangan kerugian less any allowance for impairment losses.
penurunan nilai.
Mudharabah merupakan pembiayaan kerja sama Mudharabah represents scheme financing
antara Bank dan entitas anak sebagai pemilik dana between Bank and its subsidiaries as the owner of
(shahibul maal) dengan nasabah sebagai pelaksana the fund (shahibul maal) and the customer as the
usaha (mudharib) selama jangka waktu tertentu. business executor (mudharib), during a certain
Pembagian hasil keuntungan dari proyek atau period. Distribution of profit sharing on a project or
usaha tersebut ditentukan sesuai dengan nisbah other business activity is determined in
(pre-determined ratio) yang telah disepakati accordance with the mutually agreed nisbah (pre-
bersama. Pada tanggal laporan posisi keuangan determined ratio). At consolidated statements of
konsolidasian, pembiayaan mudharabah dinyatakan financial position date, mudharabah financing is
sebesar saldo pembiayaan dikurangi dengan saldo stated at the outstanding financing balance less
cadangan kerugian penurunan nilai yang dibentuk allowance for impairment losses which is provided
berdasarkan hasil reviu oleh manajemen terhadap based on the management’s review on the
kualitas pembiayaan yang ada. financing quality.
Musyarakah adalah akad kerja sama yang terjadi Musyarakah is a partnership contract among fund
diantara para pemilik modal (mitra musyarakah) owners (musyarakah partners) to contribute funds
untuk menggabungkan modal dan melakukan usaha and conduct business on a joint basis through
secara bersama dalam suatu kemitraan dengan partnership with nisbah profit sharing based on a
nisbah pembagian hasil sesuai dengan predetermined ratio, while loss is shouldered
kesepakatan, sedangkan kerugian ditanggung proportionally based on the capital contribution.
secara proporsional sesuai dengan kontribusi
modal.
Pada tanggal laporan posisi keuangan At consolidated statement of financial position
konsolidasian, pembiayaan musyarakah dinyatakan date, musyarakah financing is stated at the
sebesar saldo pembiayaan dikurangi dengan saldo outstanding balance of the financing less
cadangan kerugian penurunan nilai yang dibentuk allowance for impairment losses based on the
berdasarkan hasil reviu oleh manajemen terhadap management’s review on the financing quality.
kualitas pembiayaan yang ada.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Istishna adalah akad penjualan antara al-mustashni Istishna is a purchase agreement between an al-
(pembeli) dan al-shani (produsen yang juga mustashni (buyer) and an al-shani (manufacturer
bertindak sebagai penjual). Berdasarkan akad also acting as the seller). Based on the contract,
tersebut, pembeli menugasi produsen untuk the buyer orders the manufacturer to make or to
membuat atau mengadakan al-mashnu (barang supply al-mashnu (goods ordered) according to
pesanan) sesuai spesifikasi yang diisyaratkan the specifications required by the buyer and to sell
pembeli dan menjualnya dengan harga yang them at an agreed price.
disepakati.
Piutang istishna disajikan sebesar tagihan termin Istishna receivables are presented based on the
kepada pembeli akhir dikurangi cadangan kerugian outstanding billings to the final buyer less
penurunan nilai. Margin istishna yang ditangguhkan allowance for impairment losses. Deferred istishna
disajikan sebagai pos lawan piutang istishna. margin is present as contra account of istishna
receivable.
Qardh adalah penyediaan dana atau tagihan yang Qardh is the provision of funds or equivalent claims
dapat dipersamakan dengan itu berdasarkan based on agreement between the borrower and the
persetujuan atau kesepakatan antara peminjam dan lender that requires the borrower to repay the
pihak yang meminjamkan yang mewajibkan debts after a certain period of time. Qardh are
peminjam melunasi hutangnya setelah jangka waktu stated at outstanding balance less allowance for
tertentu. Pinjaman Qardh dinyatakan sebesar saldo impairment losses based on the management’s
pinjaman dikurangi dengan saldo cadangan review on the financing quality.
kerugian penurunan nilai yang dibentuk berdasarkan
hasil reviu oleh manajemen terhadap kualitas
pinjaman yang ada.
Lihat catatan 2d untuk kebijakan akuntansi atas aset Refer to note 2d for the accounting policies of
dan liabilitas keuangan. financial assets and liabilities.
m. Identifikasi dan pengukuran penurunan nilai atas m. Identification and measurement of impairment
aset keuangan for financial assets
Bank dan entitas anak mengakui penyisihan The Bank and its subsidiaries recognize the
kerugian kredit ekskpektasian pada instrumen allowance for expected credit losses on financial
keuangan yang tidak diukur pada nilai wajar melalui instruments that are not measured at fair value
laba rugi. through profit or loss.
Tidak ada penyisihan kerugian kredit ekspektasian There is no allowance for expected credit losses on
pada investasi instrumen ekuitas. investment in equity instruments.
Bank dan entitas anak mengukur cadangan kerugian The Bank and its subsidiaries measure the
sejumlah kerugian kredit ekspektasian sepanjang allowance for losses for the lifetime of an expected
umurnya, kecuali untuk hal berikut, diukur sejumlah credit losses, except for the following, which are
kerugian kredit ekspektasian 12 bulan: measured according to 12 months expected credit
losses:
i. Instrumen utang yang memiliki risiko kredit i. Debt instruments that have low credit risk at the
rendah pada tanggal pelaporan; dan reporting date; and
ii. Instrumen keuangan lainnya yang risiko ii. Other financial instruments for which credit risk
kreditnya tidak meningkat secara signifikan sejak has not increased significantly since initial
pengakuan awal. recognition.
Bank dan entitas anak menganggap instrumen The Bank and its subsidiaries consider debt
utang memiliki risiko kredit yang rendah ketika instruments to have low credit risk when the credit
peringkat risiko kreditnya setara dengan definisi risk rating is at par with the globally understood
investment grade yang dipahami secara global. definition of investment grade.
Kerugian kredit ekspektasian 12 bulan adalah The 12-month expected credit loss is part of the
bagian dari kerugian kredit ekspektasian sepanjang expected credit loss throughout its lifetime that
umurnya yang merepresentasikan kerugian kredit represents an expected credit loss arising from a
ekspektasian yang timbul dari peristiwa gagal bayar default on financial instruments that might occur
instrumen keuangan yang mungkin terjadi dalam within 12 months after reporting date.
12 bulan setelah tanggal pelaporan.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pengukuran kerugian kredit ekspektasian Measurement of expected credit losses
Kerugian kredit ekspektasian adalah estimasi Expected credit loss is an estimate of the weighted
probabilitas tertimbang dari kerugian kredit yang probability of a credit loss measured as follows:
diukur sebagai berikut:
i. aset keuangan yang tidak memburuk pada i. i. financial assets that do not deteriorate at the
tanggal pelaporan, kerugian kredit ekspektasian reporting date, the expected credit loss is
diukur sebesar selisih antara nilai kini dari measured at the difference between the
seluruh kekurangan kas (yaitu selisih antara arus present value of all cash shortages (i.e. the
kas yang terutang kepada Bank dan entitas anak difference between the cash flows owed to the
sesuai dengan kontrak dan arus kas yang Bank and its subsidiaries in accordance with
diperkirakan akan diterima oleh Bank dan entitas the contract and the cash flows expected to be
anak); received by the Bank and its subsidiaries);
ii. aset keuangan yang memburuk pada tanggal i. ii. financial assets that deteriorate at the
pelaporan, kerugian kredit ekspektasian diukur reporting date, the expected credit loss is
sebesar selisih antara jumlah tercatat bruto dan measured at the difference between the gross
nilai kini arus kas masa depan yang diestimasi; carrying amount and the present value of
estimated future cash flows;
iii. komitmen pinjaman yang belum ditarik, kerugian ii. iii. for undisbursed loan commitments, expected
kredit ekspektasian diukur sebesar selisih antara credit losses are measured at the difference
nilai kini jumlah arus kas jika komitmen ditarik between the present value of the amount of
dan arus kas yang diperkirakan akan diterima cash flow if the commitments is withdrawn and
oleh Bank dan entitas anak; the cash flow expected to be received by the
Bank and its subsidiaries;
iv. kontrak jaminan keuangan, kerugian kredit iii. iv. for financial guarantee contracts, expected
ekspektasian diukur sebesar selisih antara credit losses are measured at the difference
pembayaran yang diperkirakan untuk mengganti between the estimated payments to replace
pemegang atas kerugian kredit yang terjadi the holder for the credit losses incurred less
dikurangi jumlah yang diperkirakan dapat the amount estimated to be recoverable.
dipulihkan.
iv.
Aset keuangan yang direstrukturisasi Restructured financial assets
Jika ketentuan aset keuangan dinegosiasikan ulang If the terms of the financial assets are renegotiated
atau dimodifikasi atau aset keuangan yang ada or modified or the existing financial assets are
diganti dengan yang baru karena kesulitan replaced with new ones due to the borrower’s
keuangan peminjam, maka dilakukan penilaian financial difficulties, an assessment is made
apakah aset keuangan yang ada harus dihentikan whether recognition of existing financial assets
pengakuannya dan kerugian kredit ekspektasian must be derecognized and expected credit losses
diukur sebagai berikut: measured as follows:
i. Jika restrukturisasi tidak mengakibatkan i. If the restructuring does not result in the
penghentian pengakuan aset yang ada, maka termination of recognition of existing assets,
arus kas yang diperkirakan yang timbul dari then the estimated cash flows arising from the
aset keuangan yang dimodifikasi dimasukkan modified financial assets are included in the
dalam perhitungan kekurangan kas dari aset calculation of cash shortages of existing
yang ada; assets;
ii. Jika restrukturisasi akan menghasilkan ii. If the restructuring will result in a derecognition
penghentian pengakuan aset yang ada, maka of the existing assets, the fair value of the new
nilai wajar aset baru diperlakukan sebagai arus asset is treated as the final cash flow of the
kas akhir dari aset keuangan yang ada pada existing financial assets at the time of
saat penghentian pengakuannya. Jumlah ini derecognition. This amount is included in the
dimasukkan dalam perhitungan kekurangan calculation of cash shortages from existing
kas dari aset keuangan yang ada yang financial assets which are discounted from the
didiskontokan dari tanggal penghentian date of derecognition to the reporting date
pengakuan ke tanggal pelaporan using the initial effective interest rate of the
menggunakan suku bunga efektif awal dari existing financial assets.
aset keuangan yang ada.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Aset keuangan yang memburuk Credit-impaired financial assets
Pada setiap tanggal pelaporan, Bank dan entitas At each reporting date, the Bank and its
anak menilai apakah aset keuangan yang dicatat subsidiaries assesses whether the financial assets
pada biaya perolehan diamortisasi dan aset recorded at amortized cost and the financial assets
keuangan instrumen utang yang dicatat pada nilai of debt instruments which are recorded at fair value
wajar melalui penghasilan komprehensif lain through other comprehensive income are credit
mengalami penurunan nilai kredit (memburuk). Aset impaired (worsening). Financial assets deteriorate
keuangan memburuk ketika satu atau lebih peristiwa when one or more events that have an adverse
yang memiliki dampak merugikan atas estimasi arus effect on the estimated future cash flows of the
kas masa depan dari aset keuangan telah terjadi. financial assets have occurred.
Bukti objektif bahwa aset keuangan mengalami Objective evidence that financial assets are
penurunan nilai meliputi wanprestasi atau impaired can include default or payment arrears by
tunggakan pembayaran oleh debitur, restrukturisasi a borrower, restructuring of a loan or receivable by
kredit atau tagihan oleh Bank dan entitas anak the Bank and its subsidiaries on terms that the
dengan persyaratan yang tidak mungkin diberikan Bank and its subsidiaries would not otherwise
jika debitur tidak mengalami kesulitan keuangan, consider, indications that a borrower or issuer will
indikasi bahwa debitur atau penerbit akan enter bankruptcy, the disappearance of an active
dinyatakan pailit, hilangnya pasar aktif dari aset market for a security due to financial difficulties, or
keuangan akibat kesulitan keuangan, atau data other observable data relating to a Bank and its
yang dapat diobservasi lainnya yang terkait dengan subsidiaries of assets, such as adverse changes in
kelompok aset keuangan, seperti memburuknya the payment status of borrowers or issuers in the
status pembayaran debitur atau penerbit dalam Bank and its subsidiaries, or economic conditions
kelompok tersebut, atau kondisi ekonomi yang that correlate with defaults in the Bank and its
berkorelasi dengan wanprestasi atas aset dalam subsidiaries.
kelompok tersebut.
Aset keuangan yang dibeli atau yang berasal Purchased or originated credit impaired
dari aset keuangan memburuk financial assets – POCI
Aset keuangan dikategorikan sebagai POCI apabila Financial assets are categorized as POCI if there is
terdapat bukti objektif penurunan nilai pada saat objective evidence of impairment at initial
pengakuan awal. Pada saat pengakuan awal, tidak recognition. At initial recognition, no allowance for
ada penyisihan kerugian kredit yang diakui karena credit losses is recognized because the purchase
harga pembelian atau nilainya telah termasuk price or value has included lifetime estimated credit
estimasi kerugian kredit sepanjang umurnya. losses. Furthermore, changes in lifetime credit
Selanjutnya, perubahan kerugian kredit sepanjang losses, whether positive or negative, are
umurnya, apakah positif atau negatif, diakui dalam recognized in the statement of profit or loss as part
laporan laba rugi sebagai bagian dari cadangan of the allowance for impairment losses.
kerugian penurunan nilai.
Penyajian penyisihan kerugian kredit Presentation of allowance for expected credit
ekspektasian dalam laporan posisi keuangan losses in the consolidated statements of
konsolidasian financial position
Penyisihan kerugian kredit ekspektasian disajikan Allowance for expected credit losses is presented
dalam laporan posisi keuangan konsolidasian in the consolidated statement of financial positions
sebagai berikut: as follows:
i. Aset keuangan yang diukur pada biaya i. Financial assets measured at amortized cost,
perolehan diamortisasi, penyisihan kerugian allowance for expected credit losses is
kredit ekspektasian disajikan sebagai pengurang presented as a deduction from the gross
dari jumlah tercatat bruto aset; carrying amount of the asset;
ii. Komitmen pinjaman dan kontrak jaminan ii. Loan commitments and financial guarantee
keuangan, penyisihan kerugian kredit contracts, allowance for expected credit losses
ekspektasian disajikan sebagai provisi; is presented as a provision;
iii. Instrumen utang yang diukur pada nilai wajar iii. Debt instruments measured at fair value through
melalui penghasilan komprehensif lain, other comprehensive income, allowance for
penyisihan kerugian kredit ekspektasian tidak expected credit losses are not recognized in the
diakui dalam laporan posisi keuangan consolidated statement of financial position
konsolidasian karena jumlah tercatat dari aset- because the carrying amounts of these assets
aset ini adalah nilai wajarnya. Namun demikian are at their fair values. However, allowance for
penyisihan kerugian kredit ekspektasian expected credit losses is disclosed and
diungkapkan dan diakui dalam penghasilan recognized in other comprehensive income.
komprehensif lain.
Approval for Printing paraf:
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Page 715
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Penerimaan kembali atas aset keuangan yang Recoveries of written-off financial assets
telah dihapusbukukan
Ketika kredit yang diberikan tidak tertagih, pinjaman When a loan is uncollectible, it is written off against
yang diberikan tersebut dihapusbuku dengan the related allowance for impairment loss. Such
menjurnal balik cadangan kerugian penurunan nilai. loans are written off after all the necessary
Kredit yang diberikan tersebut dapat dihapus buku procedures have been completed and the amount
setelah semua prosedur yang diperlukan telah of the loss has been determined.
dilakukan dan jumlah kerugian telah ditentukan.
Penerimaan kembali atas aset keuangan yang telah The recoveries of written-off financial assets in the
dihapusbukukan pada tahun berjalan dikreditkan current year are credited by adjusting the
dengan menyesuaikan akun cadangan kerugian allowance for impairment losses accounts.
penurunan nilai. Penerimaan kembali atas aset Recoveries of written-off financial assets from
keuangan yang telah dihapusbukukan pada tahun previous years are recorded as operational income
sebelumnya dicatat sebagai pendapatan other than interest income.
operasional selain pendapatan bunga.
Bank dan entitas anak menggunakan nilai wajar The Bank and its subsidiaries use the fair value of
agunan sebagai dasar arus kas masa datang collateral as the basis for the future cash flow if one
apabila memenuhi salah satu kondisi berikut: of the following conditions is met:
1. Kredit bersifat collateral dependent, yaitu jika 1. Loans are collateral dependent, i.e, if the
pelunasan kredit hanya bersumber dari source of loans repayment is only from
agunan; collateral;
2. Pengambilalihan agunan kemungkinan besar 2. Foreclosure of collateral is most likely to occur
terjadi dan didukung dengan perjanjian legal and supported by legally binding collateral
pengikatan agunan. agreement.
Kerugian penurunan nilai atas aset keuangan yang Impairment losses on financial assets carried at
dicatat pada biaya perolehan diamortisasi diukur amortized cost are measured as the difference
sebesar selisih antara nilai tercatat aset keuangan between the carrying amount of the financial
dengan nilai kini estimasi arus kas masa datang assets and present value of estimated future cash
yang didiskonto menggunakan suku bunga efektif flows discounted at the financial assets original
awal dari aset keuangan tersebut. Jika kredit yang effective interest rate. If loans or held-to-maturity
diberikan atau surat-surat berharga dimiliki hingga marketable securities have variable interest rate,
jatuh tempo memiliki suku bunga variabel, maka the discount rate used to measure loss on
tingkat diskonto yang digunakan untuk mengukur impairment is the current effective interest rate.
setiap kerugian penurunan nilai adalah suku bunga
efektif terkini.
Sebagai panduan praktis, Bank dan entitas anak As a practical guidance, the Bank and its
dapat mengukur penurunan nilai berdasarkan nilai subsidiaries can measure the impairment based on
wajar instrumen dengan menggunakan harga pasar the instrument’s fair value by using observable
yang dapat diobservasi, dimana perhitungan nilai market price, where the calculation of present
kini dari estimasi arus kas masa datang atas aset value of estimated future cash flows on
keuangan dengan agunan (collateralized financial collateralized financial assets reflects the
asset) mencerminkan arus kas yang dapat generated cash flow from the foreclosure of
dihasilkan dari pengambilalihan agunan dikurangi collateral net of costs to acquire and sell the
biaya-biaya untuk memperoleh dan menjual agunan, collateral, regardless whether such acquisition
terlepas apakah pengambilalihan tersebut occurs or not.
berpeluang terjadi atau tidak.
Kerugian penurunan nilai yang terjadi diakui pada Impairment losses are recognized in the
laporan laba rugi dan penghasilan komprehensif lain consolidated statement of profit or loss and other
konsolidasian dan dicatat pada akun “Cadangan comprehensive income and reflected in an
kerugian penurunan nilai” sebagai pengurang “Allowance for impairment losses” account as a
terhadap aset keuangan yang dicatat pada biaya deduction from financial assets carried at
perolehan diamortisasi. amortized cost.
Pendapatan bunga atas aset keuangan yang Interest income on the impaired financial assets
mengalami penurunan nilai tetap diakui atas dasar continues to be recognized using the rate of
suku bunga yang digunakan untuk mendiskonto interest used to discount the future cash flow for
arus kas masa datang dalam pengukuran kerugian the purpose of measuring the impairment loss.
penurunan nilai.
Approval for Printing paraf:
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Page 716
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Ketika peristiwa yang terjadi setelah tanggal laporan When subsequent event causes the amount of
posisi keuangan konsolidasian menyebabkan impairment loss to decrease, the impairment loss is
jumlah kerugian penurunan nilai berkurang, reversed through profit or loss in the consolidated
kerugian penurunan nilai yang sebelumnya diakui statements of profit or loss and other
harus dipulihkan dan pemulihan tersebut diakui comprehensive income.
dalam laba rugi pada laporan laba rugi dan
penghasilan komprehensif lain konsolidasian.
Untuk aset keuangan yang tersedia untuk dijual, For financial assets classified as available for sale,
pada setiap tanggal laporan posisi keuangan Bank and its subsidiaries assess on each
konsolidasian, Bank dan entitas anak mengevaluasi consolidated statement of financial position
apakah terdapat bukti objektif bahwa aset keuangan reporting date whether there is objective evidence
atau kelompok aset keuangan mengalami that a financial asset or a Bank and its subsidiaries
penurunan nilai. Penurunan yang signifikan atau of financial assets is impaired. In the case of equity
penurunan jangka panjang atas nilai wajar investasi instruments, a significant or prolonged decline in
dalam instrumen ekuitas di bawah biaya the fair value of the equity instruments below its
perolehannya merupakan bukti objektif terjadinya cost is an objective evidence of impairment
penurunan nilai dan menyebabkan pengakuan resulting in the recognition of an impairment loss.
kerugian penurunan nilai. Kerugian penurunan nilai Impairment losses on available for sale marketable
atas efek-efek yang tersedia untuk dijual diakui securities are recognized by transferring the
dengan mengeluarkan kerugian kumulatif yang telah cumulative loss that has been recognized directly
diakui secara langsung dalam ekuitas ke dalam in equity to the consolidated statement of profit or
laporan laba rugi dan penghasilan komprehensif lain loss and other comprehensive income.
konsolidasian.
Jumlah kerugian kumulatif yang dikeluarkan dari The cumulative loss that has been removed from
ekuitas dan diakui pada laporan laba rugi dan equity and recognized in the consolidated
penghasilan komprehensif lain konsolidasian statement of profit or loss and other
merupakan selisih antara biaya perolehan (setelah comprehensive income is the difference between
dikurangi dengan nilai pelunasan pokok dan the acquisition cost (net of any principal repayment
amortisasi) dengan nilai wajar kini, dikurangi and amortization) and the current fair value, less
kerugian penurunan nilai aset keuangan yang any impairment loss previously recognized in the
sebelumnya telah diakui pada laporan laba rugi dan consolidated statement of profit or loss and other
penghasilan komprehensif lain konsolidasian. comprehensive income.
Kerugian penurunan nilai yang diakui pada laporan Impairment losses recognized in the consolidated
laba rugi dan penghasilan komprehensif lain statement of profit or loss and other
konsolidasian atas investasi instrumen ekuitas yang comprehensive income on available for sale equity
diklasifikasikan sebagai instrumen ekuitas yang instruments should not be recovered through a
tersedia untuk dijual tidak boleh dipulihkan melalui reversal of a previously recognized impairment loss
pembalikan atas penurunan nilai sebelumnya pada in the current year consolidated statement of profit
laporan laba rugi dan penghasilan komprehensif lain or loss and other comprehensive income.
konsolidasian pada tahun berjalan.
Jika pada periode berikutnya, nilai wajar surat-surat If in a subsequent period, the fair value of a fair
berharga yang diklasifikasikan dalam kelompok nilai value through other comprehensive income
wajar penghasilan komprehensif lain yang marketable securities increased and the increase
mengalami penurunan nilai meningkat dan can be objectively related to an event occurring
peningkatan tersebut dapat secara objektif after the impairment loss was recognized in the
dihubungkan dengan peristiwa yang terjadi setelah consolidated statement of profit or loss and other
pengakuan kerugian penurunan nilai pada laporan comprehensive income, the impairment loss is
laba rugi dan penghasilan komprehensif lain reversed, with the amount of reversal recognized in
konsolidasian, maka kerugian penurunan nilai the year it occurred.
tersebut harus dipulihkan dan pemulihan tersebut
diakui pada tahun terjadinya.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Jika persyaratan kredit yang diberikan, piutang atau If the term on loans receivable or amortized cost
surat-surat berharga yang diklasifikasikan dalam marketable securities are renegotiated or modified
kelompok nilai perolehan diamortisasi dinegosiasi since the debtor or issuer has financial difficulties,
ulang atau dimodifikasi karena debitur atau penerbit the impairment is measured with the original
mengalami kesulitan keuangan, maka penurunan effective interest rate used before the modification
nilai diukur dengan suku bunga efektif awal yang of terms.
digunakan sebelum persyaratan diubah.
Jika pada suatu periode berikutnya, jumlah kerugian If in the next period, the amount of allowance for
penurunan nilai berkurang dan pengurangan impairment losses is decreased and the decreased
tersebut dapat dikaitkan secara objektif pada can be objectively related to an event that occurred
peristiwa yang terjadi setelah penurunan nilai diakui after the recognition of the impairment losses (i.e.
(seperti meningkatnya peringkat kredit debitur atau upgrade of debtor’s or issuer’s collectibility credit
penerbit), maka kerugian penurunan nilai yang rating), the impairment losses that was previously
sebelumnya diakui harus dipulihkan, dengan recognized has to be reversed, by adjusting the
menyesuaikan akun cadangan. Jumlah pemulihan allowance account. The reversal amount of
aset keuangan diakui pada laporan laba rugi dan financial assets is recognized in the current year
penghasilan komprehensif lain konsolidasian pada consolidated statement of profit or loss and other
tahun berjalan. comprehensive income.
Penerimaan kembali atas aset keuangan yang telah The recoveries of written-off financial assets are
dihapusbukukan dicatat sebagai pendapatan recorded as other operating income.
operasional lainnya.
Sehubungan dengan kepatuhan terhadap Otoritas In compliance with Financial Services Authority
Jasa Keuangan (OJK), Bank dan entitas anak (OJK), Bank and its subsidiaries other Bank Jabar
terkecuali Bank Jabar Banten Syariah menerapkan Banten Syariah implements Regulation of the
Peraturan Otoritas Jasa Keuangan (POJK) Financial Services Authority (POJK)
No.40/POJK.03/2019 tanggal 19 Desember 2019 No.40/POJK.03/2019 dated December 19, 2019 on
tentang ”Penilaian Kualitas Aset Bank Umum”. Bank "Assessment of Commercial Bank’s Asset Quality”.
Jabar Banten Syariah menerapkan (POJK) Bank Jabar Banten Syariah implements Financial
No.2/POJK.03/2022 tanggal 31 Januari 2022 Services Authority (POJK) regulations
tentang ”Penilaian Kualitas Aset Bank Umum No 2 /POJK.03/2022 dated January 31, 2022 on
Syariah dan Unit Usaha Syariah”. "Assessment of Commercial Bank’s Asset Quality”.
Cadangan kerugian minimum yang harus dibentuk The minimum allowance to be provided in
sesuai dengan Peraturan Otoritas Jasa Keuangan accordance with Regulation of the Financial
(POJK) adalah sebagai berikut: Services Authority (POJK) is as follows:
a. 1% dari aktiva produktif yang digolongkan a. 1% of earning assets classified as Current,
Lancar, di luar penempatan pada Bank excluding placements with Bank Indonesia,
Indonesia, Obligasi Pemerintah, instrumen Government Bonds, other debt instruments
hutang lain yang diterbitkan oleh Pemerintah issued by the Government of the Republic of
Republik Indonesia dan aktiva produktif yang Indonesia and earning assets secured by cash
dijamin dengan agunan tunai; collateral;
b. 5% dari aktiva produktif yang digolongkan b. 5% of earning assets classified as Special
Dalam Perhatian Khusus setelah dikurangi Mention, net of deductible collateral;
agunan;
c. 15% dari aktiva produktif yang digolongkan c. 15% of earning assets classified as Sub-
Kurang Lancar setelah dikurangi agunan; standard, net of deductible collateral;
d. 50% dari aktiva produktif yang digolongkan d. 50% of earning assets classified as Doubtful,
Diragukan setelah dikurangi agunan; dan net of deductible collateral; and
e. 100% dari aktiva produktif yang digolongkan e. 100% of earning assets classified as Loss, net
Macet setelah dikurangi agunan. of deductible collateral.
Kriteria penilaian nilai agunan yang dapat The criterias for assessment of the value of
dikurangkan dalam pembentukan cadangan collateral that can be deducted in the calculation of
kerugian penurunan nilai sesuai dengan Peraturan allowance for impairment losses are based on the
Otoritas Jasa Keuangan (POJK). Regulation of the Financial Services Authority
(POJK).
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
n. Tagihan dan liabilitas akseptasi n. Acceptance receivable and payable
Tagihan dan liabilitas akseptasi merupakan Acceptance receivables and acceptance payable
transaksi letter of credit (L/C) yang diaksep oleh are Letter of Credit (L/C) transactions accepted by
bank pengaksep (accepting bank). Tagihan accepting bank Acceptance receivables are
akseptasi diklasifikasikan sebagai aset keuangan classified as financial assets measured at
dalam kelompok biaya perolehan diamortisasi. armotised cost. Acceptance liabilities are classified
Liabilitas akseptasi dikasifikasikan sebagai liabilitas financial liabilities measured at amortised cost.
keuangan yang diukur dengan biaya perolehan
diamortisasi.
Lihat Catatan 2d untuk kebijakan akuntansi atas Refer to Note 2d for the accounting policies of
aset dan liabilitas keuangan. financial assets and liabilities.
o. Penyertaan saham o. Investment in shares
Penyertaan saham merupakan penanaman dana Investment in shares represent investments in non-
dalam bentuk saham pada perusahaan non-publik publicly listed companies engaged in the financial
yang bergerak di bidang jasa keuangan yang tidak services industry that not through capital market
melalui pasar modal untuk tujuan jangka panjang. held for long term purposes.
Perusahaan asosiasi adalah seluruh entitas di mana Associated companies are all entities over which
Bank dan entitas anak mempunyai pengaruh the Bank and its subsidiaries has significant
signifikan, namun tidak memiliki kendali atas entitas- influence but does not have control. Generally, the
entitas tersebut. Dalam hal ini, Bank dan entitas Bank and its subsidiaries’ shareholding is between
anak umumnya mempunyai persentase kepemilikan 20% and 50% of the voting rights. Investment in
20% sampai dengan 50% hak suara. Penyertaan associates is recorded for under the equity method
saham pada perusahaan asosiasi dicatat dengan and are initially recognized at cost and adjusted for
metode ekuitas dan pada awalnya dicatat sebesar the Bank and its subsidiaries’ share in net profit or
harga perolehan dan disesuaikan dengan bagian loss of the associated companies less dividends
Bank dan entitas anak atas laba atau rugi neto received after the acquisition date.
perusahaan asosiasi sesuai dengan jumlah
persentase kepemilikan dan dikurangi dengan
penerimaan dividen sejak tanggal akuisisi.
Investasi dengan persentase kepemilikan di bawah Investments with an ownership interest below 20%
20% dan tidak memiliki pengaruh signifikan yang and have no significant influence classified as
diklasifikasikan sebagai aset keuangan yang dimiliki financial asset which held for sale is measured at
untuk dijual dicatat pada nilai wajar melalui laba fair value through profit or lost.
rugi.
Investasi dengan persentase kepemilikan di bawah Investments with an ownership interest below 20%
20% dan tidak memiliki pengaruh signifikan yang and have no significant influence classified as
diklasifikasikan sebagai aset keuangan yang dimiliki financial asset which held not for sale is measured
untuk tidak dijual dicatat pada nilai wajar melalui at fair value through other comprehensive income.
penghasilan komprehensif lain.
Lihat Catatan 2d untuk kebijakan akuntansi atas Refer to Note 2d for the accounting policies of
aset dan liabilitas keuangan. financial assets and liabilities.
p. Aset tetap, aset hak guna dan liabilitas sewa p. Fixed assets, right-of-use assets, and lease
liability
Aset tetap awalnya diakui sebesar biaya perolehan, Fixed assets are initially recognized at cost, which
yang terdiri atas harga perolehan dan biaya-biaya comprises its purchase price and any costs directly
tambahan yang dapat diatribusikan langsung untuk attributable in bringing the asset to the location and
membawa aset ke lokasi dan kondisi yang condition necessary for it to be capable of
diinginkan supaya aset tersebut siap digunakan operating in the manner intended by management.
sesuai dengan maksud manajemen.
Setelah pengakuan awal, aset tetap dinyatakan Subsequent to initial recognition, fixed assets are
pada biaya perolehan dikurangi akumulasi carried at cost less any subsequent accumulated
penyusutan dan akumulasi rugi penurunan nilai. depreciation and impairment losses.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tanah awalnya dinyatakan sebesar biaya perolehan Land is initially recognized at cost and not
dan tidak disusutkan. Setelah pengakuan awal, depreciated. Subsequent to initial recognition, land
tanah diukur pada nilai wajar pada tanggal revaluasi is measured at fair value at the revaluation date
dikurangi akumulasi rugi penurunan nilai setelah less any subsequent accumulated impairment
tanggal revaluasi. Penilaian terhadap tanah losses. Valuation of land are performed by
dilakukan oleh penilai yang memiliki kualifikasi appraisers with professional qualification and is
profesional, dan dilakukan secara berkala untuk done in regular basis to ensure that the carrying
memastikan bahwa jumlah tercatat tanah tidak amount does not differ materially from its fair value
berbeda secara material dengan jumlah yang at the end of reporting period.
ditentukan dengan menggunakan nilai wajarnya
pada akhir periode pelaporan.
Kenaikan nilai tercatat yang timbul dari revaluasi Increase in the carrying amount arising from
dicatat sebagai “Surplus Revaluasi Aset Tetap”, dan revaluation is recorded in “Revaluation Surplus of
disajikan dalam penghasilan komprehensif lain. Fixed Assets” and presented in other
Namun, kenaikan tersebut diakui dalam laba rugi comprehensive income. However, the increase is
hingga sebesar jumlah penurunan nilai aset yang recognized in profit or loss, up to the amount of
sama akibat revaluasi yang pernah dilakukan impairment of the same assets due to revaluation
sebelumnya dalam laba rugi. Penurunan nilai previously recognised in profit or loss. A decrease
tercatat yang timbul dari revaluasi diakui dalam laba in carrying value arising as a result of a revaluation
rugi. should be recognised in profit or loss.
Revaluasi akan dilakukan dengan keteraturan yang Revaluation is carried out with fairly regular
cukup reguler untuk memastikan bahwa jumlah regularity to ensure that the carrying amount does
tercatat tidak berbeda secara material dari jumlah not differ materially from the amount determined
yang ditentukan dengan menggunakan nilai wajar using the fair value at the end of the reporting
pada akhir periode pelaporan. Jika perubahan nilai period. If the changes in fair value is insignificant,
wajar tidak berbeda secara signifikan, aset tersebut the asset will be revaluated at least between
akan direvaluasi paling kurang setiap 3 (tiga) atau 3 (three) or 5 (five) years.
5 (lima) tahun sekali.
Aset tetap yang diperoleh dalam pertukaran aset Fixed assets acquired in exchange for a non-
nonmoneter atau kombinasi aset moneter dan monetary asset or for a combination of monetary
nonmoneter diukur dalam nilai wajar, kecuali: and non-monetary assets are measured at fair
values, unless:
(i) transaksi pertukaran tidak memiliki substansi (i) the exchange transaction lacks commercial
komersial, atau substance, or
(ii) nilai wajar dari aset yang diterima dan (ii) the fair value of neither the assets received,
diserahkan tidak dapat diukur secara andal. nor the assets given up can be measured
reliably.
Penyusutan aset dimulai pada saat aset tersebut Depreciation of an asset starts when it is available
siap untuk digunakan sesuai maksud for use and is computed using the straight-line
penggunaannya dan dihitung dengan menggunakan method, based on the estimated useful lives of the
metode garis lurus, berdasarkan taksiran masa assets, as follows:
manfaat ekonomis aset tetap yang bersangkutan,
sebagai berikut:
Tahun/Years
Bangunan 20 Buildings
Kendaraan 4-8 Vehicles
Perlengkapan 4-8 Office equipment
Pada setiap akhir tahun buku, manajemen At the year end, management conducts a re-
melakukan pengkajian ulang atas nilai residu, masa assessment of the residual value, useful life and
manfaat dan metode penyusutan dan disesuaikan depreciation method and adjusted prospectively, if
secara prospektif, jika diperlukan. needed.
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Page 720
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Jumlah tercatat komponen dari suatu aset tetap The carrying amount of an item of fixed assets is
dihentikan pengakuannya pada saat dilepaskan derecognized upon disposal or when no future
atau saat sudah tidak ada lagi manfaat ekonomis economic benefits are expected from its use or
masa depan yang diekspektasikan dari penggunaan disposal.
maupun pelepasannya.
Keuntungan atau kerugian yang timbul dari Any gain or loss arising from the derecognition of
penghentian pengakuan tersebut dimasukkan ke the asset is directly included in the consolidated
dalam laporan laba rugi dan penghasilan statement of profit or loss and other
komprehensif lain konsolidasian untuk tahun comprehensive income when the item is
penghentian pengakuan tersebut dilakukan. derecognized.
Beban pemeliharaan dan perbaikan dibebankan Repairs and maintenance is charged to the profit or
pada operasi pada saat terjadinya. Beban loss as incurred. The cost of major renovation and
pemugaran dan penambahan dalam jumlah besar restoration is capitalized to the carrying amount of
dikapitalisasi kepada jumlah tercatat aset tetap the related fixed assets when it is probable that
terkait bila besar kemungkinan manfaat ekonomi future economic benefits in excess of the originally
masa depan menjadi lebih besar dari standar kinerja assessed standard of performance of the existing
awal yang ditetapkan sebelumnya dan disusutkan asset and is depreciated over the remaining useful
sepanjang sisa masa manfaat aset tetap terkait. life of the related asset.
Aset hak guna dan liabilitas sewa Right-of-use assets and lease liabilities
PSAK 73 memperkenalkan model akuntansi SFAS 73 introduces a single lessee accounting
penyewa tunggal dan mensyaratkan penyewa untuk model and requires a lessee to recognise assets
mengakui aset dan liabilitas untuk semua sewa and liabilities for all leases with the exemptions of
dengan pengecualian sewa jangka pendek dan aset short-term leases and the underlying asset is of
dengan nilai rendah. Penyewa diharuskan untuk low value. A lessee is required to recognize a right-
mengakui aset hak-guna yang mewakili haknya of-use asset representing its right to use the
untuk menggunakan aset sewaan dan liabilitas underlying leased asset and a lease liability
sewa yang mewakili kewajibannya untuk melakukan representing its obligation to make lease
pembayaran sewa. PSAK 73 secara substansial payments. SFAS 73 substantially carries forward
masih menggunakan persyaratan akuntansi atas the lessor accounting requirements in SFAS 30
pesewa (lessor) sesuai PSAK 30 “Sewa”. Oleh “Leases”. Accordingly, a lessor continues to
karena itu, penyewa masih akan menggunakan classify its leases as operating leases or finance
klasifikasi sewa dalam sewa operasi atau leases, and to account for those two types of
pembiayaan, dan perlakuan atas kedua tipe sewa leases differently.
tersebut.
Dampak penerapan PSAK 73 adalah Bank dan The impact of SFAS 73 at the Bank and its
entitas anak sebagai penyewa atas kontrak sewa subsidiaries is where the Bank and its subsidiaries
properti dan kendaraan. Bank dan entitas anak telah is a lessee in property and vehicle lease contracts.
memilih simplified approach dalam melakukan The Bank and its subsidiaries has elected the
transisi dan tidak melakukan penyajian kembali simplified approach of transition and did not restate
untuk informasi komparatif. Dengan demikian, comparative information. Therefore, the
informasi komparatif tetap dilaporkan sesuai dengan comparative information continues to be reported
PSAK 30, “Sewa”. under SFAS 30, “Leases”.
Kebijakan sewa Leases policy
Bank dan entitas anak mengakui liabilitas sewa, The Bank and its subsidiaries recognised a lease
sebagai pembayaran sewa yang tersisa termasuk liability, being the remaining lease payments
atas opsi perpanjangan dimana perpanjangan including extensions options where renewal is
hampir dapat dipastikan, didiskontokan reasonably certain, discounted using the
menggunakan tingkat bunga pinjaman inkremental incremental borrowing rate at the date of initial
pada tanggal penerapan awal. Sedangkan aset hak application. Meanwhile, rights of use assets include
guna mencakup jumlah liabilitas sewa yang diakui, the amount of lease liabilities recognized, initial
biaya langsung awal yang dibayarkan, biaya direct costs paid, recovery costs and lease
pemulihan dan pembayaran sewa yang dilakukan payments made on or before the start date of the
pada atau sebelum tanggal mulai sewa, dikurangi lease, less rental incentives received. Rights of use
insentif sewa yang diterima. Aset hak guna assets are depreciated using the straight-line
disusutkan dengan metode garis lurus selama method over the shorter period between the lease
jangka waktu yang lebih pendek antara masa sewa term and the estimated useful life of the asset.
dengan estimasi masa manfaat aset.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Beban keuangan dicatat dalam laporan laba rugi Finance expense is recorded in the consolidated
konsolidasian. Aset sewa (disajikan sebagai bagian statement of profit or loss. Leased assets
aset tetap) disusutkan selama jangka waktu yang (presented under fixed assets) are depreciated
lebih pendek antara umur manfaat aset sewa dan over the shorter of the estimated useful life of the
periode masa sewa, jika tidak ada kepastian yang assets and the lease term, if there is no reasonable
memadai bahwa Bank dan entias anak akan certainty that Bank and its subsidiaries will obtain
mendapatkan hak kepemilikan pada akhir masa ownership by the end of the lease term.
sewa.
Aset dalam penyelesaian Construction in progress
Aset tetap dalam penyelesaian dicatat sebesar Constructions in progress are stated at cost,
biaya perolehan, yang mencakup kapitalisasi beban including capitalized borrowing costs and other
pinjaman dan biaya-biaya lainnya yang terjadi charges incurred in connection with the financing of
sehubungan dengan pendanaan aset tetap dalam construction in progress. The accumulated costs
penyelesaian tersebut. Akumulasi biaya perolehan will be reclassified to the appropriate “Premises
akan direklasifikasi ke akun “Aset Tetap” yang and Equipment” account when the construction is
bersangkutan pada saat aset tetap tersebut telah completed and available for intended use.
selesai dikerjakan dan siap untuk digunakan. Aset Construction in progress are not depreciated as
tetap dalam penyelesaian tidak disusutkan karena these are not yet available for use.
belum tersedia untuk digunakan.
Biaya pengurusan legal hak atas tanah dalam The legal cost of land rights in the form of Business
bentuk Hak Guna Usaha (“HGU”), Hak Guna Usage Rights (“Hak Guna Usaha” or “HGU”),
Bangunan (“HGB”) dan Hak Pakai (“HP”) ketika Building Usage Right (“Hak Guna Bangunan” or
tanah diperoleh pertama kali diakui sebagai bagian “HGB”) and Usage Rights (“Hak Pakai” or “HP”)
dari biaya perolehan tanah pada akun “Aset Tetap”. when the land was initially acquired are recognized
Biaya pengurusan perpanjangan atau pembaruan as part of the cost of the land under the “Fixed
legal hak atas tanah diakui sebagai aset tidak Assets”. The extension or the legal renewal costs
berwujud dan diamortisasi sepanjang umur hak of land rights were recognized as intangible assets
hukum atau umur ekonomi tanah, mana yang lebih and were amortized over the shorter of the rights'
pendek. legal life or land's economic life.
q. Penurunan nilai aset non-keuangan q. Impairment of non-financial assets
Pada setiap akhir tahun periode pelaporan, Bank At the end of each reporting year the Bank and its
dan entitas anak menilai apakah terdapat indikasi subsidiaries assesses at each annual reporting
suatu aset mengalami penurunan nilai. Jika terdapat period whether there is an indication that an asset
indikasi tersebut, maka Bank dan entitas anak akan may be impaired. If any such indication exists,
membuat estimasi atas jumlah terpulihkan aset Bank and its subsidiaries makes an estimate of the
tersebut. asset’s recoverable amount.
Jumlah terpulihkan yang ditentukan untuk aset The recoverable amount detemined for an
individual adalah jumlah yang lebih tinggi antara individual asset is the higher of an asset’s fair
nilai wajar aset atau Unit Penghasil Kas (UPK) value or Cash Generating Unit (CGU) less costs to
dikurangi biaya untuk menjual dan nilai pakainya, sell and its value in use, unless the asset does not
kecuali aset tersebut tidak menghasilkan arus kas generate cash inflows that are largely independent
masuk yang sebagian besar independen dari aset of those from other assets or Bank and its
atau kelompok aset lain. subsidiaries of assets.
Jika nilai tercatat aset lebih besar daripada nilai Where the carrying amount of an asset exceeds its
terpulihkannya, maka aset tersebut dianggap recoverable amount, the asset is considered
mengalami penurunan nilai dan nilai tercatat aset impaired and is written down to its recoverable
diturunkan menjadi sebesar nilai terpulihkannya. amount. Impairment losses of continuing
Rugi penurunan nilai dari operasi yang operations are recognized in the consolidated
berkelanjutan diakui pada laporan laba rugi dan statement of profit or loss and other
penghasilan komprehensif lain konsolidasian comprehensive income as “impairment losses”.
sebagai “rugi penurunan nilai”.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Dalam menghitung nilai pakai, estimasi arus kas In assessing the value in use, the estimated net
masa depan neto didiskontokan ke nilai kini dengan future cash flows are discounted to the present
menggunakan tingkat diskonto sebelum pajak yang value using a pre-tax discount rate that reflects
menggambarkan penilaian pasar kini atas nilai current market assessments of the time value of
waktu uang dan risiko spesifik aset. money and the risks specific to the asset.
Dalam menentukan nilai wajar dikurangi biaya In determining fair value less costs of disposal,
pelepasan, mengacu pada PSAK 68: “Pengukuran refer to SFAS 68: "Fair Value Measurements"
Nilai Wajar” (Catatan 2d). (Note 2d).
Kerugian penurunan nilai dari operasi yang Impairment losses of continuing operations, if any,
berkelanjutan, jika ada, diakui pada laporan laba are recognized in the consolidated statements of
rugi dan penghasilan komprehensif lain profit or loss and other comprehensive income
konsolidasian sesuai dengan kategori biaya yang under expense categories that are consistent with
konsisten dengan fungsi aset yang diturunkan the functions of the impaired assets.
nilainya.
r. Aset lain-lain r. Other assets
Aset lain-lain terdiri dari biaya dibayar di muka, Other assets include prepaid expenses, clearing in
kliring dalam penyelesaian, uang muka dan lain-lain. progress, advances and others.
Aset lain-lain disajikan sebesar nilai tercatat setelah Other assets are stated at the carrying amounts
dikurangi dengan cadangan kerugian penurunan less allowance for impairment losses.
nilai.
Pada setiap tanggal laporan posisi keuangan At the consolidated statement of financial position
konsolidasian, Bank dan entitas anak melakukan date, the Bank and its subsidiaries evaluate the
penelaahan terhadap nilai yang dapat diperoleh recoverable amount of its non-financial assets to
kembali atas aset non-keuangan untuk menentukan determine whether there is any indication of
apakah terdapat indikasi penurunan nilai impairment as discussed in Note 2q.
sebagaimana dijelaskan dalam Catatan 2q.
s. Biaya dibayar di muka s. Prepaid expenses
Biaya dibayar di muka diamortisasi selama masa Prepaid expenses are amortized over the useful
manfaat dengan menggunakan metode garis lurus life using the straight-line method.
(straight-line method).
t. Liabilitas segera t. Obligations due immediately
Liabilitas segera dicatat pada saat timbulnya Obligations due immediately are recorded at the
liabilitas atau diterimanya perintah time the obligations occur or upon receipt of
pemindahbukuan, baik dari nasabah maupun dari transfer orders from customers or other banks.
bank lain.
Liabilitas segera dicatat berdasarkan biaya Obligations due immediately are stated at
perolehan diamortisasi dan diklasifikasikan sebagai amortized cost and classified as other financial
liabilitas keuangan lainnya. liabilities.
Lihat Catatan 2d untuk kebijakan akuntansi atas Refer to Note 2d for the accounting policies of
aset dan liabilitas keuangan. financial assets and liabilities.
u. Simpanan nasabah, simpanan nasabah syariah u. Deposits from customers, sharia deposits from
dan dana syirkah temporer customers and temporary syirkah fund
Giro merupakan simpanan nasabah yang dapat Current accounts represent customers’ funds
digunakan sebagai alat pembayaran, yang which can be used as payment instruments, that
penarikannya dapat dilakukan setiap saat melalui can be withdrawn by the depositors at any time
cek, atau dengan cara pemindahbukuan dengan through cheque, or transfers between accounts
bilyet giro atau sarana perintah pembayaran lainnya. using cheque and other orders of payment or
Giro dinyatakan sebesar nilai liabilitas kepada transfer. These current accounts are stated at the
pemegang giro. amount due to the current account holder.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tabungan merupakan simpanan nasabah yang Savings accounts represent customers’ funds,
penarikannya hanya dapat dilakukan menurut syarat which can only be withdrawn by the depositors
tertentu yang disepakati. Tabungan dinyatakan under agreed conditions. Savings account are
sebesar nilai liabilitas kepada pemilik tabungan. stated at the amount due to the account holders.
Deposito berjangka merupakan simpanan nasabah Time deposits represent customers’ funds, which
yang penarikannya hanya dapat dilakukan pada can only be withdrawn by the depositors at specific
waktu tertentu sesuai dengan perjanjian dengan maturities according to the deposit agreements.
penyimpan. Deposito berjangka dinyatakan sebesar Time deposits are stated at the nominal amount
nilai nominal yang tercantum dalam bilyet deposito provided in the certificates of deposits or at the
atau yang diperjanjikan. amount stated in the agreement.
Giro dan tabungan wadiah merupakan giro dan Wadiah current and saving account is a wadiah
tabungan wadiah adh-dhamanah yakni titipan dana adh-dhamanah funds deposits in the form of
dalam bentuk giro dan tabungan pihak lain dimana current and saving account on which the customer
pemilik dana bisa mendapatkan pendapatan bonus. may receive bonus income. Wadiah current
Giro wadiah dinyatakan sebesar titipan pemegang accounts are stated at the amount due to the
giro BJBS. account holder of the deposit BJBS.
Dana syirkah temporer adalah dana yang diterima Temporary syirkah funds represent investment
oleh BJBS. BJBS mempunyai hak untuk mengelola received by the BJBS. The BJBS has the right to
dan menginvestasikan dana, baik sesuai dengan manage and invest funds in accordance with either
kebijakan BJBS atau kebijakan pembatasan dari the BJBS’ policy or restriction policy by the
pemilik dana, dengan keuntungan dibagikan sesuai depositors with the agreed profit sharing.
dengan kesepakatan. Dana syirkah temporer Temporary syirkah funds are stated at the nominal
dinyatakan sebesar nilai nominal sesuai dengan amount as agreed by the temporary syirkah funds
perjanjian antara pemegang dana syirkah temporer holder.
bank.
Hubungan antara BJBS dan pemilik dana syirkah Relationship between the BJBS and the owner of
temporer merupakan hubungan kemitraan temporary syirkah funds are partnership based on
berdasarkan akad mudharabah. mudharabah agreement.
Dana syirkah temporer tidak dapat digolongkan Temporary syirkah funds can not be classified as
sebagai liabilitas. Hal ini karena BJBS tidak liability because BJBS has no obligation to return
mempunyai liabilitas ketika mengalami kerugian, the fund to the owner when BJBS has loss, unless
untuk mengembalikan jumlah dana awal dari pemilik there is negligence or default by the BJBS.
dana kecuali akibat kelalaian atau wanprestasi
BJBS.
Dana syirkah temporer tidak dapat digolongkan Temporary syirkah funds can not be classified as
sebagai ekuitas karena mempunyai waktu jatuh equity since they have maturity and the owner of
tempo dan pemilik dana tidak mempunyai hak the funds do not have ownership rights as common
kepemilikan yang sama dengan pemegang saham shareholders, such as voting rights and right of the
seperti hak voting dan hak atas realisasi keuntungan profit derived from current assets and non-
yang berasal dari aset lancar dan aset non- investment assets.
investasi.
Dana syirkah temporer merupakan salah satu unsur Temporary syirkah funds represent one of the
laporan posisi keuangan konsolidasian, hal tersebut consolidated statements of financial position
sesuai dengan prinsip syariah yang memberikan accounts which is in accordance with sharia
hak kepada BJBS untuk mengelola dana, termasuk principle that provide right to the BJBS to manage
untuk mencampur dana dimaksud dengan dana fund, including to mixing of one funds with the
lainnya. other funds.
Pemilik dana syirkah temporer memperoleh bagian The owner of temporary syirkah funds receive
atas keuntungan sesuai kesepakatan dan menerima profit sharing in accordance with the agreement
kerugian berdasarkan jumlah dana dari masing- and receive loss sharing based on proportion to the
masing pihak. Pembagian hasil dana syirkah total funds. The profit sharing of temporary syirkah
temporer dapat dilakukan dengan konsep bagi hasil funds might be based on profit sharing or revenue
atau bagi untung. sharing concept.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
v. Simpanan dari bank lain v. Deposits from other banks
Simpanan dari bank lain diklasifikasikan sebagai Deposits from other banks are classified as other
liabilitas keuangan lainnya dan diukur pada biaya financial liabilities and measured at amortized cost
perolehan diamortisasi menggunakan suku bunga using the effective interest method, except for
efektif, kecuali simpanan yang didasarkan pada sharia deposits and temporary syirkah fund which
prinsip perbankan syariah dan dana syirkah are stated at the BJBS’ liability to the other banks.
temporer yang dinyatakan sebesar kewajiban BJBS Incremental costs that can be attributed directly to
kepada bank lain. Biaya tambahan yang dapat the acquisition of deposits from customers are
diatribusikan secara langsung kepada perolehan deducted from total deposits received.
simpanan nasabah, dikurangkan dari jumlah
simpanan yang diterima.
Simpanan dari bank lain terdiri dari liabilitas Deposits from other banks represent liabilities to
terhadap bank lain dalam bentuk giro, tabungan, other banks, in the form of current accounts,
interbank call money, deposit on call dan deposito savings, interbank call money, deposit on call and
berjangka. time deposits.
Di dalam simpanan dari bank lain termasuk Deposits from other banks include sharia deposits
simpanan syariah dalam bentuk giro wadiah. in the form of wadiah current accounts.
Simpanan dari bank lain diklasifikasikan sebagai Deposits from other banks are classified as
liabilitas keuangan dan diukur pada biaya perolehan financial liabilities and measured at amortized cost
diamortisasi menggunakan suku bunga efektif using the effective interest rate except for sharia
kecuali simpanan syariah yang dinyatakan sebesar deposits which are stated at the Bank and its
nilai liabilitas Bank dan entitas anak kepada subsidiaries liability amount to the customer.
nasabah.
Biaya tambahan yang dapat diatribusikan secara Incremental costs that can be attributed directly to
langsung dengan perolehan simpanan dari bank lain the acquisition of deposits from other banks are
dikurangkan dari total simpanan yang diterima. deducted from the total deposits received.
Lihat catatan 2d untuk kebijakan akuntansi atas aset Refer to note 2d for the accounting policies of
dan liabilitas keuangan. financial assets and liabilities.
w. Efek utang yang diterbitkan w. Debt securities issued
Surat berharga yang diterbitkan Bank adalah Securities issued by Bank consist of bonds. The
obligasi. Surat berharga yang diterbitkan diakui securities issued are recognized initially at fair
sebesar nilai wajar pada awalnya dan selanjutnya value and subsequently measured at amortized
diukur sebesar biaya perolehan diamortisasi dengan cost using the effective interest rate method.
menggunakan metode suku bunga efektif. Biaya Amortized cost is calculated by taking into account
perolehan diamortisasi dihitung dengan any discount or premium related to the initial
memperhitungkan adanya diskonto atau premi recognition and transaction costs that are an
terkait dengan pengakuan awal dan biaya transaksi integral part of the effective interest rate.
yang tidak terpisah dari suku bunga efektif.
Lihat Catatan 2d untuk kebijakan akuntansi atas Refer to Note 2d for the accounting policies of
aset dan liabilitas keuangan. financial assets and liabilities.
x. Pinjaman yang diterima x. Borrowings
Pinjaman yang diterima merupakan dana yang Borrowings are funds received by the Bank and its
diterima oleh Bank dan entitas anak dari Bank subsidiaries from Bank Indonesia, the Government
Indonesia, pemerintah dan lembaga pembiayaan and other financing institutions with payment
lain dengan kewajiban pembayaran berdasarkan obligation based on borrowing agreements.
perjanjian pinjaman.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pinjaman yang diterima diakui sebesar nilai wajar Borrowings are recognized initially at fair value and
pada awalnya dan selanjutnya diukur sebesar biaya subsequently measured at amortized cost using
perolehan diamortisasi dengan menggunakan the effective interest rate method. Amortized cost is
metode suku bunga efektif. Biaya perolehan calculated by taking into account any discount or
diamortisasi dihitung dengan memperhitungkan premium related to the initial recognition and
adanya diskonto atau premi terkait dengan transaction costs that are an integral part of the
pengakuan awal dan biaya transaksi yang tidak effective interest rate.
terpisah dari suku bunga efektif.
Lihat catatan 2d untuk kebijakan akuntansi atas aset Refer to note 2d for the accounting policies of
dan liabilitas keuangan. financial assets and liabilities.
y. Pendapatan bunga, beban bunga dan bagi hasil y. Interest income, interest expense and sharia
syariah profit sharing
Konvensional Conventional
Pendapatan dan beban bunga diakui pada laporan Interest income and expenses are recognized in
laba rugi dan penghasilan komprehensif lain the consolidated statement of profit or loss and
konsolidasian dengan menggunakan metode suku other comprehensive income using the effective
bunga efektif. interest method.
Suku bunga efektif adalah suku bunga yang secara The effective interest rate is the rate that exactly
tepat mendiskontokan estimasi pembayaran atau discounts the estimated future cash payments or
penerimaan kas di masa datang selama perkiraan receipts through the expected life of the financial
umur dari aset keuangan atau liabilitas keuangan assets or liabilities (or, where appropriate, a shorter
(atau, jika lebih tepat, digunakan periode yang lebih period) to the net carrying amount of the financial
singkat) untuk memperoleh nilai tercatat bersih dari asset or financial liability.
aset keuangan atau liabilitas keuangan.
Pada saat menghitung suku bunga efektif, Bank dan When calculating the effective interest rate, Bank
entitas anak mengestimasi arus kas di masa datang and its subsidiaries estimates future cash flows
dengan mempertimbangkan seluruh persyaratan considering all contractual terms of the financial
kontraktual dalam instrumen keuangan tersebut, instruments except future credit losses.
tetapi tidak mempertimbangkan kerugian kredit di
masa mendatang.
Perhitungan ini mencakup seluruh komisi, provisi This calculation includes all commissions, provision
dan bentuk lain yang diterima oleh para pihak dalam fees and other forms received by the parties in the
kontrak yang merupakan bagian tak terpisahkan dari contract that are inseparable from the effective
suku bunga efektif, biaya transaksi, dan seluruh interest rate, transaction costs and all other
premi atau diskon lainnya. premiums or discounts.
Jika aset keuangan atau kelompok aset keuangan If a financial asset or group of similar financial
serupa telah diturunkan nilainya sebagai akibat assets has been impaired as a result of an
kerugian penurunan nilai, maka pendapatan bunga impairment loss, the subsequent interest income is
setelahnya diakui berdasarkan suku bunga yang recognized based on the interest rate used to
digunakan untuk mendiskonto arus kas masa discount future cash flows in calculating the
datang dalam menghitung kerugian penurunan nilai. impairment loss.
Syariah Sharia
Pendapatan operasi syariah utama terdiri dari The main sharia operating income consists of
pendapatan dari transaksi murabahah dan istishna, income from murabahah and istishna transactions,
pendapatan bagi hasil dari pembiayaan income from revenue sharing of mudharabah and
mudharabah dan musyarakah, pendapatan dari musyarakah financing, income from ijarah
transaksi ijarah muntahiyah bittamlik dan muntahiyah bittamlik and other income.
pendapatan lainnya.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pendapatan dari transaksi ijarah murabahah dan Income from ijarah murabahah and istishna
istishna diakui dengan menggunakan metode revenue sharing is recognized using the accrual
akrual. Pendapatan bagi hasil dari pembiayaan method. Income from mudharabah and
mudharabah dan musyarakah diakui dalam periode musyarakah financing are recognized in the period
terjadinya hak bagi hasil. Beban berdasarkan prinsip in which the revenue sharing rights occur.
syariah terdiri dari beban bagi hasil mudharabah Expenses based on Sharia principles consist of
dan beban bonus wadiah. mudharabah profit sharing expense and wadiah
bonus expense.
Pendapatan atas piutang murabahah menggunakan Income from murabahah receivables using the
metode setara tingkat imbal hasil efektif (margin effective rate of return method (effective margin).
efektif).
Margin efektif adalah margin yang secara tepat Effective margin is the margin that precisely
mendiskontokan estimasi pembayaran atau discounts the estimated future cash payments or
penerimaan kas di masa datang selama perkiraan receipts through the expected life of the
umur dari piutang murabahah. Pada saat murabahah receivables. When calculating the
menghitung margin efektif, BJBS mengestimasi arus effective margin, BJBS estimates the future cash
kas di masa datang dengan mempertimbangkan flows considering all contractual terms of the
seluruh persyaratan kontraktual dalam instrumen financial instrument, but does not consider the loss
keuangan tersebut, tetapi tidak mempertimbangkan of receivables in the future.
kerugian piutang di masa mendatang.
Perhitungan ini mencakup seluruh komisi, provisi This calculation includes all commissions, provision
dan bentuk lain yang diterima oleh para pihak dalam fees and other forms accepted by the parties in the
kontrak yang merupakan bagian tak terpisahkan dari contract that are an inseparable part of the
margin efektif, biaya transaksi, dan seluruh premi effective margin, transaction costs and all other
atau diskon lainnya. premiums or discounts.
z. Pendapatan provisi dan komisi z. Fees and commission
Pendapatan provisi dan komisi yang berkaitan Fees and commissions directly related to lending
langsung dengan kegiatan pinjaman, atau activities, or fee and commission which relates to a
pendapatan provisi dan komisi yang berhubungan specific period, is amortized over the term of the
dengan jangka waktu tertentu, diamortisasi sesuai contract using the effective interest method and
dengan jangka waktu kontrak menggunakan metode classified as part of interest income in the
suku bunga efektif dan diklasifikasikan sebagai consolidated statement of profit or loss and other
bagian dari pendapatan bunga pada laporan laba comprehensive income.
rugi dan penghasilan komprehensif lain
konsolidasian.
Pendapatan provisi dan komisi yang tidak berkaitan Fees and commissions that are not related to the
dengan kegiatan pemberian kredit atau suatu jangka lending activity or a period of time and/or
waktu dan/atau terkait dengan pemberian suatu associated with the service provided, are
jasa, diakui sebagai pendapatan pada saat recognized as revenue at the time of the
terjadinya transaksi dan dicatat pada akun transaction and recorded under other operating
pendapatan operasional lainnya. income.
aa. Sewa operasi aa. Operating lease
Kontrak sewa yang tidak mengalihkan secara Leases, which do not transfer substantially
substansial seluruh risiko dan manfaat kepemilikan all the risks and rewards of ownership are retained
aset tetap berada di tangan perusahaan sewa- by the lessor, are classified as operating leases.
menyewa (lessor), maka sewa tersebut Payments made under operating leases
diklasifikasikan sebagai sewa operasi. Pembayaran are charged to the consolidated statement
sewa operasi dibebankan ke laporan laba rugi dan of profit or loss and other comprehensive income
penghasilan komprehensif lain konsolidasian on a straight-line method over the period of the
menggunakan metode garis lurus selama masa lease.
sewa.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
bb. Pajak penghasilan bb. Income tax
Beban pajak tahun berjalan ditetapkan berdasarkan Current tax expense is provided based on the
taksiran penghasilan kena pajak tahun berjalan. estimated taxable income for the current year.
Aset dan liabilitas pajak tangguhan diakui atas Deferred tax assets and liabilities are recognized
perbedaan temporer aset dan liabilitas antara for temporary differences between the financial
pelaporan komersial dan pajak pada setiap tanggal and the tax bases of assets and liabilities at each
pelaporan. reporting date.
Aset pajak tangguhan diakui menggunakan metode Deferred tax assets are recognized, using the
posisi keuangan untuk seluruh perbedaan temporer statement of financial position method, for all
yang boleh dikurangkan dan saldo rugi fiskal yang deductible temporary differences and carry forward
belum dikompensasikan, sepanjang besar of unused tax losses to the extent that it is
kemungkinan perbedaan temporer yang boleh probable that future taxable profits will be available
dikurangkan dan saldo rugi fiskal yang belum against which the deductible temporary differences
digunakan tersebut dapat dimanfaatkan untuk and carry forward of unused tax losses can be
mengurangi laba fiskal pada masa yang akan utilized.
datang.
Jumlah tercatat aset pajak tangguhan ditelaah pada The carrying amount of deferred tax assets is
setiap tanggal neraca dan nilai tercatat aset pajak reviewed at each reporting date and reduced to the
tangguhan tersebut diturunkan apabila tidak lagi extent that it is no longer probable that sufficient
terdapat kemungkinan besar bahwa laba fiskal yang taxable profits will be available to compensate all
memadai akan tersedia untuk mengkompensasi or part of the benefit of the deferred tax assets.
sebagian atau semua manfaat aset pajak
tangguhan.
Aset dan kewajiban pajak tangguhan diukur Deferred tax assets and liabilities are measured at
berdasarkan tarif pajak yang akan berlaku pada the tax rates that are expected to applied to the
tahun saat aset direalisasikan atau liabilitas year when the asset is realized or the liability is
diselesaikan berdasarkan peraturan perpajakan settled based on tax laws that have been enacted
yang berlaku atau yang telah secara substantif telah or substantively enacted as of the consolidated
diberlakukan pada tanggal laporan posisi keuangan statement financial position date.
konsolidasian.
Pengaruh pajak terkait dengan penyisihan untuk The related tax effects of the provisions for and/or
dan/atau pembalikan seluruh perbedaan temporer reversals of all temporary differences during the
selama tahun berjalan, termasuk pengaruh year, including the effect of change in tax rates, are
perubahan tarif pajak, diakui sebagai recognized as “Income Tax Benefit (Expense),
“Manfaat/(Beban) Pajak Penghasilan, Tangguhan” Deferred” and included in the determination of net
dan termasuk dalam laba atau rugi neto tahun profit or loss for the year, except to the extent that
berjalan, kecuali untuk transaksi-transaksi yang they relate to items previously charged or credited
sebelumnya telah langsung dibebankan atau to equity.
dikreditkan ke ekuitas.
Perubahan terhadap liabilitas pajak diakui pada saat Amendment to tax obligation is recorded when an
surat ketetapan pajak diterima, atau apabila assessment letter is received or, if objected to or
diajukan keberatan dan atau banding oleh Bank dan appealed against by the Bank and its subsidiaries,
entitas anak, pada saat telah ada keputusan atas when the result of such appeal or objection is
banding dan atau keberatan tersebut. determined.
Untuk setiap entitas yang dikonsolidasi, pengaruh For each of the consolidated entity, the tax effects
pajak atas perbedaan temporer dan akumulasi rugi on temporary differences and tax loss carry
pajak, yang masing-masing dapat berupa aset atau forward, which can individually be either asset or
liabilitas, disajikan dalam jumlah neto untuk masing- liability, are shown at the applicable net amounts.
masing entitas tersebut.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Aset dan liabilitas atas pajak tangguhan dan pajak Assets and liabilities on deferred tax and current
kini dapat saling hapus apabila terdapat hak yang tax can be offset if there is a legal enforceable right
berkekuatan hukum untuk melakukan saling hapus. to offset.
cc. Imbalan kerja cc. Employee benefits
Bank dan entitas anak menerapkan PSAK 24 Bank and its subsidiaries apply SFAS 24 (Revised
(Revisi 2018), “Imbalan Kerja”. 2018), “Employee Benefit”.
Imbalan kerja jangka pendek Short-term employee benefits
Imbalan kerja jangka pendek seperti upah, iuran Short-term employee benefits such as wages,
jaminan sosial, cuti jangka pendek, bonus dan social security contributions, short-term
imbalan non-moneter lainnya diakui selama periode compensated leaves, bonuses and other non-
jasa diberikan. Imbalan kerja jangka pendek dihitung monetary benefits are recognized during the period
sebesar jumlah yang tidak didiskontokan. when services have been rendered. Short-term
employee benefits are measured using
undiscounted amounts.
Program pensiun iuran pasti Defined contribution plan
Berdasarkan berita acara No. 0067/HCA- Based on official report No. 0067/HCA-
SKE/BA/2022 tanggal 8 Juli 2022 dilakukan SKE/BA/2022 dated July 8, 2022, there has been a
pengalihan pengelolaan dana THT dari YKP Bank transfer of THT fund management from YKP Bank
BJB ke DPLK Bank BJB dimana merubah program BJB to DPLK Bank BJB, which transformed the
pensiun dari program pensiun manfaat pasti menjadi retirement program from defined benefit plan to
program pensiun iuran pasti. defined contribution plan.
Iuran kepada dana pensiun sebesar persentase Contribution payable to a pension fund equivalent
tertentu gaji pegawai yang menjadi peserta program to a certain percentage of salaries for qualified
pensiun iuran pasti Bank dan entitas anak, employees under the Bank and its subsidiaries’
dicadangkan dan diakui sebagai biaya ketika jasa defined contribution plan is accrued and
telah diberikan oleh pegawai-pegawai tersebut. recognized as expense when services have been
Pembayaran dikurangkan dari utang iuran. Iuran rendered by qualified employees. Actual payments
terutang dihitung berdasarkan jumlah yang tidak are deducted from the contribution payable.
didiskontokan. Contribution payable is measured using
undiscounted amounts.
Program imbalan pasti dan imbalan kerja jangka Defined benefit plan and other long-term employee
panjang lainnya benefits
Imbalan pasca-kerja dicadangkan dan diakui The post-employment benefits are accrued and
sebagai biaya ketika jasa telah diberikan oleh recognized as expense when services have been
pegawai yang menjadi peserta program pensiun rendered by qualified Bank and its subsidiaries
Bank dan entitas anak. Bank harus mencadangkan employees. The Bank is required to provide a
jumlah minimal imbalan pensiun sesuai dengan minimum amount of pension benefit in accordance
Undang-Undang No. 11/2020 tentang Cipta Kerja with Law No. 11/2020 on Job Creation (“JCL”) as
(“UUCK”) sebagaimana telah diamendemen dengan amended by Perpu No.2/2022 and Law No.6/2023
Perpu No.2/2022 dan UU No.6/2023 atau Perjanjian or the Bank’s Collective Labour Agreement (the
Kerja Bersama (“PKB”) atau Peraturan Perusahaan “CLA”) or Company Regulation (“CR”), whichever
(“PP”), mana yang lebih tinggi. Karena UUCK atau is higher. Since the JCL or the CLA or the CR sets
PKB atau PP menentukan rumus tertentu untuk the formula for determining the minimum amount of
menghitung jumlah minimal imbalan pensiun, pada benefits, in substance pension plans under the JCL
dasarnya, program pensiun berdasarkan UUCK or the CLA or the CR represent defined benefit
atau PKB atau PP adalah program imbalan pasti. plans.
Imbalan pasca-kerja dan imbalan kerja jangka The post-employment benefits and other long-term
panjang lainnya secara aktuaris ditentukan employee benefits are actuarially determined using
berdasarkan metode Projected Unit Credit. the Projected Unit Credit Method.
Pengukuran kembali atas liabilitas (aset) imbalan Remeasurement of net defined benefit liabilities
pasti neto, yang diakui sebagai penghasilan (assets), which is recognized as other
komprehensif lain, terdiri atas: comprehensive income, consist of:
(i) Keuntungan dan kerugian aktuarial; (i) Actuarial gains and losses;
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
(ii) Imbal hasil atas aset program tidak termasuk (ii) Return on plan assets excluding amounts that
jumlah yang dimasukkan dalam bunga neto included in net interest on liabilities (assets);
atas liabilitas (aset);
(iii) Setiap perubahan dampak batas aset, tidak (iii) The changes in the impact of the asset ceiling,
termasuk jumlah yang dimasukkan dalam excluding amounts that included in net interest
bunga neto atas liabilitas (aset). on liabilities (assets).
Pengukuran kembali atas liabilitas (aset) imbalan Remeasurement of net defined benefit liabilities
pasti neto, yang diakui sebagai penghasilan (assets), which is recognized as other
komprehensif lain tidak direklasifikasi ke laba rugi comprehensive income are not reclassified to
pada periode berikutnya. profit or loss in subsequent periods.
Untuk imbalan kerja jangka panjang lain atas biaya For other long-term employee benefits over the
jasa kini, biaya bunga neto atas liabilitas (aset) current service cost, net interest on net defined
imbalan pasti neto, dan pengukuran kembali benefit liabilities (assets), and the remeasurement
liabilitas (aset) imbalan pasti neto langsung diakui of net defined benefit liability (asset) obligations
pada laporan laba rugi dan penghasilan are recognized immediately in the current
komprehensif lain konsolidasian periode berjalan. consolidated statement of profit or loss and other
comprehensive income.
Biaya jasa lalu diakui sebagai beban pada tanggal All past service costs are recognised at the earlier
yang lebih awal antara ketika amandemen atau of when the amendment or curtailment occurs,
kurtailmen program terjadi, dan ketika biaya and when the related restructuring or termination
restrukturisasi atau pesangon diakui, sehingga costs are recognized, as a result, unvested past
biaya jasa lalu yang belum vested tidak lagi dapat service cost can no longer be deferred and
ditangguhkan dan diakui selama periode vesting recognised over the future vesting period.
masa depan.
dd. Laba per saham dasar dd. Basic earnings per share
Laba per saham dasar dihitung dengan membagi Basic earnings per share amounts are computed
laba tahun berjalan yang dapat diatribusikan kepada by dividing income for the year attributable to
pemilik entitas induk dengan rata-rata tertimbang equity holders of the parent entity by the weighted
jumlah saham biasa yang beredar selama tahun average number of shares outstanding during the
berjalan. year.
ee. Transaksi dengan pihak-pihak berelasi ee. Transactions with related parties
Bank melakukan transaksi dengan pihak berelasi. The Bank has transactions with related parties. In
Sesuai dengan PSAK 7 (revisi 2015) tentang accordance with SFAS 7 (revisi 2015) regarding
“Pengungkapan Pihak-Pihak Berelasi” “Related Party Disclosure”.
Pihak-pihak berelasi adalah orang atau entitas yang A related party is a person or entity that is related
terkait dengan entitas yang menyiapkan laporan to the entity that is preparing its financial
keuangannya (dalam Pernyataan ini dirujuk sebagai statements (in this Standard referred to as the
“entitas pelapor”). ‘reporting entity’).
a) Orang atau anggota keluarga dekatnya a) A person or a close member of that person’s
mempunyai relasi dengan entitas pelapor jika family is related to a reporting entity if that
orang tersebut: person:
1. memiliki pengendalian atau pengendalian 1. has control or joint control of the
bersama atas entitas pelapor; reporting entity;
2. memiliki pengaruh signifikan atas entitas 2. has significant influence over the
pelapor; atau reporting entity; or
3. merupakan personil manajemen kunci 3. is a member of the key management
entitas pelapor atau entitas induk dari personnel of the reporting entity or of a
entitas pelapor. parent of the reporting entity.
b) Suatu entitas berelasi dengan entitas pelapor b) An entity is related to the reporting entity if
jika memenuhi salah satu hal berikut: any of the following conditions applies:
1. Entitas dan entitas pelapor adalah 1. The entity and the reporting entity are
anggota dari kelompok usaha yang sama members of the same group (which
(artinya entitas induk, entitas anak, dan means that each parent, subsidiary and
sesama entitas anak saling berelasi fellow subsidiary is related to the others);
dengan entitas lainnya);
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. Satu entitas adalah entitas asosiasi atau 2. One entity is an associate or joint
ventura bersama dari entitas lain (atau venture of the other entity (or an
entitas asosiasi atau ventura bersama associate or joint venture of a member of
yang merupakan anggota suatu kelompok a group of which the other entity is a
usaha, di mana entitas lain tersebut member);
adalah anggotanya);
3. Kedua entitas tersebut adalah ventura 3. Both entities are joint ventures of the
bersama dari pihak ketiga yang sama; same third party;
4. Satu entitas adalah ventura bersama dari 4. One entity is a joint venture of a third
entitas ketiga dan entitas yang lain adalah entity and the other entity is an associate
entitas asosiasi dari entitas ketiga; of the third entity;
5. Entitas tersebut adalah suatu program 5. The entity is a post-employment benefit
imbalan pascakerja untuk imbalan kerja plan for the benefit of employees of
dari salah satu entitas pelapor atau either the reporting entity or an entity
entitas yang terkait dengan entitas related to the reporting entity. If the
pelapor. Jika entitas pelapor adalah reporting entity is itself such a plan, the
entitas yang menyelenggarakan program sponsoring employers are also related to
tersebut, maka entitas sponsor juga the reporting entity;
berelasi dengan entitas pelapor;
6. Entitas yang dikendalikan atau 6. The entity is controlled or jointly
dikendalikan bersama oleh orang yang controlled by a person identified in (a);
diidentifikasi dalam huruf (a);
7. Orang yang diidentifikasi dalam huruf 7. A person identified in (a)(1) has
(a) (1) memiliki pengaruh signifikan atas significant influence over the entity or is
entitas atau merupakan personil a member of the key management
manajemen kunci entitas (atau entitas personnel of the entity (or of a parent of
induk dari entitas); atau the entity); or
8. Entitas, atau anggota dari kelompok di 8. The entity, or any members of a group of
mana entitas merupakan bagian dari which it is a part, provides key
kelompok tersebut, menyediakan jasa management personnel service to the
personil manajemen kunci kepada entitas reporting entity or to the parent of the
pelapor atau kepada entitas induk dari reporting entity.
entitas pelapor.
Transaksi dengan pihak-pihak berelasi dilakukan Transactions with related parties are made on the
dengan syarat dan kondisi yang sama dengan same term and conditions as those transactions
transaksi-transaksi dengan pihak ketiga. Transaksi with third parties. All transaction done by Bank
yang dilakukan Bank dan entitas anak telah and its subsidiaries have complied with Financial
memenuhi Peraturan Otoritas Jasa Keuangan Services Authority Regulation (POJK)
(POJK) No.42/POJK.04/2020 tentang “Transaksi No.42/POJK.04/2020 about “Affiliated
Afiliasi dan Transaksi Benturan Kepentingan”. Transactions and Conflict of Interest
Transactions”.
Seluruh transaksi dan saldo yang material dengan All material transactions and balances with
pihak-pihak berelasi diungkapkan dalam catatan related parties are disclosed in the relevant notes
atas laporan keuangan konsolidasian yang relevan to the consolidated financial statements and the
dan rinciannya telah disajikan dalam Catatan 43. details have been presented in Note 43 of the
financial statements.
ff. Dividen ff. Dividends
Pembagian dividen kepada para pemegang saham Dividends distribution to the shareholders is
diakui sebagai liabilitas dalam laporan keuangan recognized as a liability in the consolidated
konsolidasian pada tanggal dividen tersebut financial statements at the date when the dividend
disetujui oleh para pemegang saham. distribution is approved by the shareholders.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
gg. Informasi segmen usaha gg. Business segment information
Segmen adalah bagian yang dapat dibedakan dari A segment is a distinguishable component of the
kelompok usaha yang terlibat baik dalam business unit that is engaged either in providing
menyediakan produk tertentu (segmen usaha), certain products (business segment), or in
maupun dalam menyediakan produk dalam providing products within a particular economic
lingkungan ekonomi tertentu (segmen geografis), environment (geographical segment), which is
yang memiliki risiko dan imbalan yang berbeda subject to risks and rewards that are different
dengan segmen lainnya. from those of other segments.
Pendapatan, beban, hasil, aset dan liabilitas Segment revenue, expenses, results, assets and
segmen mencakup item-item yang dapat liabilities include items directly attributable to a
diatribusikan langsung kepada suatu segmen serta segment as well as those that can be allocated on
hal-hal yang dapat dialokasikan dengan dasar a reasonable basis to that segment. They are
yang sesuai kepada segmen tersebut. Item-item determined before intra-group balances and
segmen ditentukan sebelum saldo dan transaksi transactions are eliminated as part of
antar kelompok usaha, dieliminasi sebagai bagian consolidation process.
dari proses konsolidasi.
Bank dan entitas anak menyajikan segmen usaha The Bank and its subsidiaries present business
berdasarkan laporan internal konsolidasian yang segments based on a consolidated internal report
disajikan kepada pengambil keputusan operasional which is presented to the chief operating decision
yaitu Direksi. maker, namely the Board of Directors.
Bank dan entitas anak telah mengidentifikasikan The Bank and its subsidiaries have identified and
dan mengungkapkan informasi keuangan disclosed financial information based on their
berdasarkan kegiatan bisnis utama (segmen main business activities (business segments)
usaha) yang terbagi atas konvensional dan which are divided into conventional and sharia,
syariah, juga berdasarkan segmen geografis. also based on geographical segments.
Segmen geografis meliputi penyediaan barang A geographical segment is engaged in providing
maupun jasa di dalam lingkungan ekonomi tertentu products or services within a particular economic
yang memiliki risiko serta tingkat pengembalian environment with risks and different returns
yang berbeda dengan segmen operasi lainnya compared to other operating segments in other
yang berada dalam lingkungan ekonomi lain. economic environments.
hh. Biaya emisi penerbitan saham hh. Issuance cost on shares issued
Biaya-biaya emisi yang terjadi sehubungan dengan Issuance costs related to offering of shares to the
penawaran saham kepada masyarakat (termasuk public (including pre-emptive rights issue) are
penerbitan hak memesan efek terlebih dahulu) deducted directly from the proceeds and
dikurangkan langsung dari hasil emisi dan presented as a deduction on Additional Paid in
disajikan sebagai pengurang pada akun Tambahan Capital account, as part of Equity in the
Modal Disetor, sebagai bagian dari Ekuitas pada consolidated statement of financial position.
laporan posisi keuangan konsolidasian.
ii. Modal saham ii. Capital stock
Modal saham diukur pada nilai nominal untuk Capital stock is measured at par value for all
semua saham yang diterbitkan. shares issued.
jj. Saldo laba jj. Retained earnings
Saldo laba merupakan saldo kumulatif dari hasil Retained earnings represent the cumulative
operasi Bank dan entitas anak, pembagian dividen, balance of the Bank and its subsidiaries results of
penyesuaian periode sebelumnya, efek dari operations, dividend distributions, prior period
perubahan kebijakan akuntansi dan penyesuaian adjustments, effects of the changes in accounting
modal lainnya. policy and other capital adjustments.
kk. Perubahan dalam standar akuntansi kk. Changes in accounting standards
Pernyataan dan interpretasi standar akuntansi New and revised statements and
baru dan revisi yang berlaku efektif pada tahun interpretation of financial accounting
berjalan standards effective in the current year
Berikut amendemen dan penyesuaian atas standar The following are amendment and improvements
yang berlaku efektif untuk periode yang dimulai to standards which effective for periods beginning
pada atau setelah 1 Januari 2023, dengan on or after January 1, 2023, with early adoption is
penerapan dini diperkenankan yaitu: permitted, are as follows:
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Amendemen PSAK 1: Penyajian Laporan • Amendments to PSAK 1: Presentation of
Keuangan tentang Pengungkapan Kebijakan Financial Statements regarding Disclosure
Akuntansi; of Accounting Policies;
• Amendemen PSAK 16: Aset Tetap tentang • Amendments to PSAK 16: Fixed Assets
Hasil Sebelum Penggunaan yang Diintensikan; Related to Proceeds Before Intended Use;
• Amendemen PSAK 25: Kebijakan Akuntansi, • Amendments to PSAK 25: Accounting
Perubahan Estimasi Akuntansi dan Kesalahan Policies, Changes in Accounting Estimates
tentang Definisi Estimasi Akuntansi; and Errors regarding Definition of
Accounting Estimates;
• Amendemen PSAK 46: Pajak Penghasilan • Amendment to PSAK 46: Income Tax
tentang Pajak Tangguhan Terkait Aset dan regarding Asset-Related Deferred Tax and
Liabilitas Yang Timbul Dari Transaksi Tunggal; Liabilities Arising from a Single
dan Transaction; and
• Revisi PSAK 107: Akuntansi Ijarah. • Revised PSAK 107: Accounting for Ijara.
Implementasi standar-standar tersebut tidak The implementation of the above standards had no
memiliki dampak yang signifikan terhadap jumlah significant effect on the amounts reported for the
yang dilaporkan di periode berjalan atau tahun current period or prior financial year.
sebelumnya.
Standar akuntansi dan interpretasi standar New accounting standard and interpretation of
yang telah disahkan namun masih belum standards which has been issued but not yet
berlaku efektif effective
Dewan Standar Akuntansi Keuangan Ikatan Financial Accounting Standard Board of
Akuntan Indonesia (“DSAK-IAI”) telah menerbitkan Indonesian Institute of Accountants (“DSAK IAI”)
standar baru, amandemen dan interpretasi berikut, has issued the following new standards,
namun belum berlaku efektif untuk tahun buku amendments and interpretations, but not yet
yang dimulai pada 1 Januari 2024 adalah sebagai effective for the financial year beginning
berikut: January 1, 2024 are as follows:
• Amendemen PSAK 1: “Penyajian Laporan • • Amendment PSAK 1: “Presentation of Financial
Keuangan” terkait liabilitas jangka panjang Statements” insurance contract regarding long-
dengan kovenan; term liabilities with the covenant;
• Amendemen PSAK 73: “Sewa” terkait liabilitas • Amendment PSAK 73: “Leases” regarding lease
sewa pada transaksi jual dan sewa-balik; liabilities in sale-and-lease back transactions;
• Revisi PSAK 101: “Penyajian Laporan • Revised PSAK 101: “Presentation of Shariah
Keuangan Syariah”; dan Financial Statement”; and
• Revisi PSAK 109: “Akuntansi Zakat, Infak, dan • Revised PSAK 109: “Zakah, Infaq and Sadaqah
Sedekah tentang akuntansi zakat, infak dan related to accounting of zakah, infaq and
sedekah”. sadaqah”.
Standar baru dan amendemen atas standar yang New standard and amendment to standard which
berlaku efektif untuk periode yang dimulai pada effective for periods beginning on or after
atau setelah 1 Januari 2025, dengan penerapan January 1, 2025, with early adoption is permitted,
dini diperkenankan yaitu: are as follows:
• PSAK 74: Kontrak Asuransi; dan • PSAK 74: Insurance Contract; and
• Amendemen PSAK 74: Kontrak Asuransi • Amendment PSAK 74: Insurance Contract
tentang Penerapan Awal PSAK 74 dan PSAK regarding Initial Application of PSAK 74 and
71 – Informasi Komparatif. PSAK 71 – Comparative Information.
Hingga tanggal laporan keuangan ini diotorisasi, Until the date of the financial statements is
Bank masih mempelajari dampak yang mungkin authorized, the Bank is still evaluating the potential
timbul dari penerapan standar baru dan revisi impact of these new and revised standards to the
tersebut serta pengaruhnya pada laporan Bank’s financial statements.
keuangan Bank.
DSAK-IAI juga mengesahkan perubahan DSAK-IAI also ratified changes to the numbery of
penomoran PSAK dan ISAK yang berlaku efektif PSAK and ISAK which will be effective on
pada 1 Januari 2024, dimana perubahan ini tidak January 1, 2024. This change does not affect the
memengaruhi substansi pengaturan dalam masing- substance of the requirement in each PSAK and
masing PSAK dan ISAK tersebut. ISAK.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
ll. Provisi ll. Provisions
Provisi diakui jika Bank dan entitas anak memiliki Provisions are recognized when the Bank and its
liabilitas kini (baik bersifat hukum maupun bersifat subsidiaries have a present obligation (legal or
konstruktif) yang sebagai akibat peristiwa masa constructive) where, as a result of a past event, it is
lalu, besar kemungkinannya penyelesaian liabilitas probable that an outflow of resources embodying
tersebut akan mengakibatkan arus keluar sumber economic benefits will be required to settle the
daya yang mengandung manfaat ekonomi dan obligation and a reliable estimate can be made of
estimasi yang andal mengenai jumlah kewajiban the amount of the obligation.
tersebut dapat dibuat.
Provisi ditelaah pada setiap tanggal pelaporan dan Provisions are reviewed at each reporting date and
disesuaikan untuk mencerminkan estimasi terbaik adjusted to reflect the current best estimate. If it is
yang paling kini. Jika arus keluar sumber daya no longer probable that an outflow of resources
untuk menyelesaikan kewajiban kemungkinan embodying economic benefits will be required to
besar tidak terjadi, maka provisi dibatalkan. settle the obligation, the provision is reversed.
mm. Penurunan nilai aset non-keuangan mm. Impairment of non-financial assets
Nilai tercatat dari aset yang bukan aset keuangan The carrying amounts of the Bank’s non financial
Bank, kecuali aset pajak tangguhan, ditelaah setiap assets, other than deferred tax assets, are
tanggal pelaporan untuk menentukan apakah reviewed at each reporting date to determine
terdapat indikasi penurunan nilai. Jika indikasi whether there is any indication of impairment. If
tersebut ada, maka nilai yang dapat dipulihkan dari any such indication exists then the asset’s
aset tersebut akan diestimasi. recoverable amount will be estimated.
Nilai yang dapat diperoleh kembali dari suatu aset The recoverable amount of an asset or cash
atau unit penghasil kas adalah sebesar jumlah generating unit is the greater of its value in use and
yang lebih tinggi antara nilai pakainya dan nilai its fair value less costs to sell. In assessing value in
wajar aset atau unit penghasil kas dikurangi biaya use, the estimated future cash flows are
untuk menjual. Dalam menilai nilai pakai, estimasi discounted to their present value using pre-tax
arus kas masa depan didiskontokan ke nilai discount rate that reflects current market
sekarang dengan menggunakan tingkat diskonto assessments of the time value of money and the
sebelum pajak yang mencerminkan penilaian pasar risks specific to the asset.
saat ini terhadap nilai kas kini dan risiko spesifik
terhadap aset tersebut.
Cadangan penurunan nilai diakui pada tahun If the fair value of the revalued asset change
sebelumnya dinilai pada setiap tanggal pelaporan significantly, it is necessary to revaluate on an
untuk melihat adanya indikasi bahwa kerugian telah annual basis, whereas if the fair value of the
menurun atau tidak ada lagi. Kerugian penurunan revaluated asset does not change significantly, it is
nilai dijurnal balik jika terdapat perubahan estimasi necessary to revaluate every 3 years, taking the
yang digunakan dalam menentukan nilai yang dapat conditions of the related year into considerations.
dipulihkan.
Cadangan kerugian penurunan nilai dijurnal balik Allowance for impairment losses is reversed only to
hanya hingga nilai tercatat aset tidak melebihi nilai the extent that the asset’s carrying amount does
tercatat yang telah ditentukan, dikurangi dengan not exceed the carrying amount that would have
depresiasi atau amortisasi, jika cadangan been determined, net of depreciation or
penurunan nilai tidak pernah diakui. amortization, if no impairment loss had been
recognized.
Bank tidak diwajibkan lagi untuk membentuk The Bank is not required to provide an allowance
cadangan kerugian penurunan nilai untuk aset non for impairment losses for non productive assets,
produktif, tetapi Bank tetap harus menghitung but the Bank should still calculate the impairment
cadangan kerugian penurunan nilai mengacu pada losses in accordance with the applicable
standar akuntansi yang berlaku. accounting standards.
nn. Peristiwa setelah periode pelaporan nn. Events after the reporting period
Setiap peristiwa setelah akhir periode yang Any event after the end of the period that causes
menyebabkan tambahan informasi mengenai posisi additional information regarding the financial
keuangan Bank dan entitas anak (adjusting event) position of the Bank and its subsidiaries (adjusting
akan disesuaikan dalam laporan keuangan event) will be adjusted in the consolidated financial
konsolidasian. Peristiwa setelah akhir periode yang statements. Events after the end of the period
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
bukan merupakan adjusting events, jika ada, akan which are not adjusting events, if any, will be
diungkapkan ketika memiliki dampak material disclosed when it has a material impact on the
terhadap laporan keuangan konsolidasian. consolidated financial statements.
3. Pertimbangan, Estimasi dan Asumsi Akuntansi 3. Significant Accounting Judgments, Estimates
yang Signifikan and Assumptions
Penyusunan laporan keuangan konsolidasian The preparation of the consolidated financial
mengharuskan manajemen untuk membuat statement requires management to make
pertimbangan, estimasi dan asumsi yang judgments, estimates and assumptions that affect
mempengaruhi jumlah yang dilaporkan dari the reported amounts of revenues, expenses,
pendapatan, beban, aset dan liabilitas, dan assets and liabilities, and the disclosure of
pengungkapan atas liabilitas kontinjensi pada akhir contingent liabilities, at the end of the reporting
periode pelaporan. period.
Ketidakpastian mengenai asumsi dan estimasi Uncertainty about these assumptions and
tersebut dapat mengakibatkan penyesuaian material estimates could result in outcomes that require a
terhadap nilai tercatat aset dan liabilitas dalam material adjustment to the carrying amounts of the
periode pelaporan berikutnya. asset and liability affected in future periods.
Pertimbangan Judgments
Pertimbangan berikut ini dibuat oleh manajemen The following judgments are made by management
dalam rangka penerapan kebijakan akuntansi yang in the process of applying the accounting policies
memiliki pengaruh paling signifikan atas jumlah that have the most significant effects on the
yang diakui dalam laporan keuangan konsolidasian: amounts recognized in the consolidated financial
statements:
Usaha yang berkelanjutan Going concern
Manajamen telah melakukan penilaian atas The management has made an assessment of the
kemampuan Bank dan entitas anak untuk Bank and its subsidiaries’ abilities to continue as a
melanjutkan kelangsungan usahanya dan going concern and is satisfied that the Bank and its
berkeyakinan bahwa Bank dan entitas anak memilki subsidiaries have the resources to continue its
sumber daya untuk melanjutkan usahanya di masa business for the foreseeable future.
mendatang.
Selain itu, aset dan liabilitas tidak mengetahui Furthermore, the management is not aware of any
adanya ketidakpastian material yang dapat material uncertainties that may cast significant
menimbulkan keraguan yang signifikan terhadap doubt to the Bank and its subsidiaries’ abilities to
kemampuan Bank dan entitas anak untuk continue as a going concern. Therefore, the
melanjutkan usahanya. Oleh karena itu, laporan consolidated financial statement continues to be
keuangan konsolidasian telah disusun atas dasar prepared on the going concern basis.
usaha yang berkelanjutan.
Klasifikasi aset dan liabilitas keuangan Classification of financial assets and financial
liabilities
Manajemen menetapkan klasifikasi atas aset dan The Management determines the classifications
liabilitas tertentu sebagai aset keuangan dan of certain assets and liabilities as financial assets
liabilitas keuangan dengan mempertimbangkan bila and financial liabilities by judging if they meet the
definisi yang ditetapkan PSAK 71 dipenuhi. Dengan definition set forth in SFAS 71. Accordingly, the
demikian, aset keuangan dan liabilitas keuangan financial assets and financial liabilities are
diakui sesuai dengan kebijakan akuntansi seperti accounted for in accordance with the accounting
diungkapkan pada Catatan 2d. policies disclosed in Note 2d.
Nilai wajar atas dan liabilitas keuangan Fair value of financial instruments
Semua aset dan liabilitas dimana nilai wajar diukur All assets and liabilities in which fair value is
atau diungkapkan dalam laporan keuangan measured or disclosed in the consolidated financial
konsolidasian dapat dikategorikan pada level statements can be classified in fair value hierarchy
hierarki nilai wajar, berdasarkan tingkatan input levels, based on the lowest level of input that is
terendah yang signifikan atas pengukuran nilai significant on the overall fair value measurement:
wajar secara keseluruhan:
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Level 1: harga kuotasian (tanpa penyesuaian) • Level 1: quoted (unadjusted) market prices in
di pasar aktif untuk aset atau liabilitas yang active markets for identical assets or liabilities
dapat diakses pada tanggal pengukuran; accessible at the measurement date;
• Level 2: input selain harga kuotasian yang • Level 2: inputs other than quoted prices
termasuk dalam level 1 yang dapat diobservasi included in Level 1 for the assets and
untuk aset dan liabilitas, baik secara langsung liabilities, which is directly or indirectly
atau tidak langsung; observable;
• Level 3: input yang tidak dapat diobservasi • Level 3: unobservable inputs for the assets
untuk aset dan liabilitas. and liabilities.
Aset keuangan yang tidak memiliki harga pasar Financial assets not quoted in an active market
Bank dan entitas anak mengklasifikasikan aset The Bank and its subsidiaries classify financial
keuangan dengan mengevaluasi, antara lain, assets by evaluating, among others, whether the
apakah nilai tersebut dikutip atau tidak di pasar aktif. asset is quoted or not in an active market. Included
Termasuk dalam evaluasi pada apakah aset in the evaluation on whether a financial asset is
keuangan yang dikutip di pasar aktif adalah quoted in an active market is the determination on
penentuan apakah harga pasar dapat segera dan whether quoted prices are readily and regularly
secara teratur tersedia, dan apakah mereka available, and whether those prices represent
mewakili harga aktual dan teratur terjadi transaksi actual and regularly occurring market transactions
pasar secara arms-length. on an arm’s length basis.
Kontinjensi Contingencies
Ketika Bank dan entitas anak sedang terlibat dalam When the Bank and its subsidiaries are currently
proses hukum, perkiraan biaya kemungkinan bagi involved in legal proceedings, the estimate of the
penyelesaian klaim telah dikembangkan melalui probable cost for the resolution of claims
konsultasi dengan bantuan konsultan hukum Bank determined in consultation with the aid of the legal
dan entitas anak didasarkan pada analisis hasil counsel of the Bank and its subsidiaries based
yang potensial. upon an analysis of potential results.
Manajemen Bank dan entitas anak tidak Management of the Bank and its subsidiaries does
berkeyakinan bahwa hasil dari hal ini akan not believe that the outcome of this matter will
mempengaruhi hasil usaha. Besar kemungkinan, affect the results of operations. It is probable,
bagaimanapun, bahwa hasil operasi di masa depan however, that future results of operations could be
dapat secara material terpengaruh oleh perubahan materially affected by changes in the estimates or
dalam estimasi atau efektivitas dari strategi yang in the effectiveness of the strategies relating to
terkait dengan hal tersebut. these proceedings.
Estimasi dan asumsi Estimates and assumptions
Asumsi dan estimasi utama masa depan dan The key estimates and assumptions concerning
sumber utama estimasi ketidakpastian lain pada the future and other key sources of estimating
tanggal pelaporan yang memiliki risiko untuk dapat uncertainty at the reporting date that have a
menyebabkan penyesuaian yang material terhadap significant risk of causing a material adjustment to
nilai tercatat aset dan liabilitas untuk tahun the carrying amounts of assets and liabilities within
berikutnya diungkapkan di bawah ini. Bank dan the next financial year are disclosed below. The
entitas anak mendasarkan asumsi dan estimasi Bank and its subsidiaries based their assumptions
yang digunakan pada parameter yang tersedia pada and estimates on parameters available when the
saat laporan keuangan konsolidasian disusun. consolidated financial statements were prepared.
Asumsi dan situasi mengenai perkembangan masa Existing circumstances and assumptions about
depan dapat berubah akibat perubahan pasar atau future developments may change due to market
situasi yang timbul di luar kendali Bank dan entitas changes or circumstances arising beyond the
anak. Perubahan tersebut dicerminkan dalam control of the Bank and its subsidiaries. Such
asumsi yang digunakan pada saat terjadinya. changes are reflected in the assumptions when
they occur.
Cadangan kerugian penurunan nilai aset keuangan Allowance for impairment losses of financial assets
Kondisi spesifik counterparty yang mengalami In the calculation of allowance for impairment
penurunan nilai dalam pembentukan cadangan losses of financial assets, the specific condition of
kerugian atas aset keuangan dievaluasi secara impaired counterparty is individually evaluated
individu berdasarkan estimasi terbaik manajemen based on management's best estimate of the
atas nilai kini arus kas yang diharapkan akan present value of the expected cash flows to be
diterima. Dalam mengestimasi arus kas tersebut, received. In estimating these cash flows,
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
manajemen membuat pertimbangan tentang situasi management makes judgements about the
keuangan counterparty dan nilai realisasi bersih dari counterparty's financial situation and the net
setiap agunan. Setiap aset yang mengalami realizable value of any underlying collateral. Each
penurunan nilai dinilai sesuai dengan manfaat yang impaired asset is assessed on its merits, and the
ada, dan strategi penyelesaian serta estimasi arus workout strategy and estimated cash flows
kas yang diperkirakan dapat diterima. considered recoverable.
Bank dan entitas anak menelaah portofolio pinjaman The Bank and its subsidiaries reviews its loan
dan piutang setiap tahun untuk menilai penurunan portfolio and receivables to assess impairment on
nilai dengan memperbaharui provisi yang dibentuk an annual basis with updating provisions made
selama periode yang diperlukan berdasarkan during the intervals as necessary based on the
analisis berkelanjutan dan pemantauan terhadap continuing analysis and monitoring of individual
rekening individual oleh petugas kredit. accounts by credit officers.
Dalam menentukan apakah penurunan nilai harus In determining whether an impairment loss should
dibentuk dalam laporan laba rugi komprehensif be recorded in the consolidated statements of
konsolidasian, Bank dan entitas anak membuat comprehensive income, the Bank and its
penilaian, apakah terdapat data yang dapat subsidiaries make judgments as to whether there is
diobservasi yang menunjukkan bahwa terdapat any observable data indicating that there is a
penurunan yang dapat diukur dalam laporan measurable decrease in the estimated future cash
perkiraan arus kas masa depan dari portofolio flows from a portfolio of loans before the decrease
pinjaman sebelum penurunan tersebut dapat can be identified with an individual loan in that
diidentifikasi secara individual dalam portofolio portfolio.
tersebut.
Bukti seperti ini dapat termasuk data yang dapat This evidence may include observable data
diobservasi yang menunjukkan bahwa telah terjadi indicating that there has been an adverse change
perubahan yang merugikan pada status in the payment status of borrowers in a Bank and
pembayaran kelompok debitur, atau kondisi its subsidiaries, or national or local economic
ekonomi nasional atau lokal yang berkorelasi conditions that correlate with defaults on assets in
dengan wanprestasi atas aset dalam kelompok. the Bank and its subsidiaries. The Bank and its
Bank dan entitas anak menggunakan perkiraan subsidiaries use estimates in the amount and
dalam menentukan jumlah dan waktu dari arus kas timing of future cash flows when determining the
masa depan ketika menentukan tingkat penyisihan level of allowance required. Such estimates are
yang diperlukan. Estimasi tersebut didasarkan pada based on assumptions about a number of factors
asumsi mengenai sejumlah faktor dan hasil aktual and actual results may differ, resulting to future
yang dapat berbeda, yang mengakibatkan changes in the allowance.
perubahan terhadap jumlah penyisihan di masa
yang akan datang.
Penurunan nilai untuk surat berharga Impairment of marketable securities
Bank dan entitas anak menentukan bahwa surat The Bank and its subsidiaries determine that
berharga memiliki kriteria penurunan nilai yang securities are impaired based on the same criteria
sama dengan aset keuangan yang dicatat pada as financial assets carried at amortized cost.
biaya perolehan diamortisasi.
Umur ekonomis dari aset tetap Useful lives of premises and equipment
Bank dan entitas anak memperkirakan masa The Bank and its subsidiaries estimate the useful
manfaat aset tetap berdasarkan periode dimana lives of premises and equipment based on the
aset diharapkan akan tersedia untuk digunakan. period over which the assets are expected to be
Masa manfaat ekonomis aset tetap ditinjau secara available for use. The estimated useful lives of
berkala dan diperbarui jika memiliki ekspektasi yang premises and equipment are reviewed periodically
berbeda dari perkiraan sebelumnya, karena and are updated if expectations differ from
kerusakan secara fisik dan teknis, atau keusangan previous estimates due to physical wear and tear,
secara komersial dan legal atau batasan lainnya technical or commercial obsolescence and legal or
atas penggunaan aset tersebut. Selain hal tersebut, other limits on the use of the assets. In addition,
estimasi masa manfaat dari aset tetap didasarkan estimation of the useful lives of premises and
pada penilaian secara kolektif dengan equipment is based on collective assessment of
menggunakan praktik industri, teknik evaluasi industry practice, internal technical evaluation and
internal dan pengalaman dengan aset serupa. experience with similar assets.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tetap dimungkinkan, bagaimanapun, bahwa hasil It is possible, however, that future results of
masa depan dapat secara material dipengaruhi oleh operations could be materially affected by changes
perubahan estimasi yang disebabkan oleh in estimates brought about by changes in factors
perubahan faktor-faktor tersebut di atas. mentioned above.
Jumlah dan saat pencatatan biaya untuk setiap The amounts and timing of recorded expenses for
periode akan dipengaruhi oleh perubahan dari faktor any period would be affected by changes in these
dan keadaan saat pencatatan. Pengurangan factors and circumstances. A reduction in the
taksiran masa manfaat dari aset tetap akan estimated useful lives of premises and equipment
meningkatkan beban operasional yang diakui. would increase the recorded operating expenses.
Penurunan nilai aset non-keuangan Impairment of non-financial assets
Bank dan entitas anak mengevaluasi penurunan The Bank and its subsidiaries assess impairment
nilai aset apabila terdapat kejadian atau perubahan on assets whenever events or changes in
keadaan yang mengindikasikan bahwa nilai tercatat circumstances indicate that the carrying amount of
aset tidak dapat dipulihkan kembali. an asset may not be recoverable.
Faktor-faktor penting yang dapat menyebabkan The factors that which could trigger an impairment
penelaahan penurunan nilai adalah sebagai berikut: review include the following:
a) kinerja yang rendah secara signifikan jika a) significant underperformance relative to
dibandingkan dengan ekspektasi dari hasil expected historical or projected future
operasi historis maupun proyeksi hasil operasi operating results;
di masa yang akan datang;
b) perubahan yang signifikan dalam cara b) significant changes in the manner of use of the
penggunaan aset atau strategi bisnis secara acquired assets or the strategy for overall
keseluruhan; dan business; and
c) industri atau tren ekonomi yang secara c) significant negative industry or economic
signifikan bernilai negatif. trends.
Bank dan entitas anak mengakui kerugian The Bank and its subsidiaries recognize an
penurunan nilai apabila nilai tercatat aset melebihi impairment loss whenever the carrying amount of
nilai yang dapat dipulihkan. Jumlah terpulihkan an asset exceeds its recoverable amount. The
adalah nilai yang lebih tinggi antara nilai wajar recoverable amount is the higher of an asset’s (or
dikurang biaya untuk menjual dengan nilai pakai Cash Generating Unit’s) fair value less costs to sell
aset (atau unit penghasil kas). and its value in use.
Jumlah terpulihkan diestimasi untuk aset individual Recoverable amounts are estimated for individual
atau, jika tidak memungkinkan, untuk unit penghasil assets or, if it is not possible, for the cash
kas yang mana aset tersebut merupakan bagian generating unit to which the asset belongs.
daripada unit tersebut.
Pengakuan aset pajak tangguhan Recognition of deferred tax assets
Aset pajak tangguhan diakui untuk seluruh saldo Deferred tax assets are recognized for all unused
rugi fiskal yang belum digunakan sejauh terdapat tax losses and credits to the extent that it is
kemungkinan bahwa saldo rugi tersebut dapat probable that taxable income will be available
dikompensasikan terhadap penghasilan kena pajak against which the losses can be utilized. Significant
di masa yang akan datang. Pertimbangan management judgment is required to determine the
manajemen yang signifikan diperlukan untuk amount of deferred tax assets that can be
menentukan jumlah aset pajak tangguhan yang recognized, based upon the likely timing and level
dapat diakui, sesuai dengan saat dan jumlah of future taxable income together with future tax
penghasilan kena pajak di masa mendatang seiring planning strategies.
dengan strategi perencanaan pajak.
Bank dan entitas anak menelaah aset pajak The Bank and its subsidiaries review their deferred
tangguhan pada setiap tanggal laporan posisi tax assets at each consolidated statement of
keuangan konsolidasian dan mengurangi jumlah financial position date and reduce the carrying
tercatat dalam hal tidak adanya lagi kemungkinan amount to the extent that it is no longer probable
bahwa penghasilan kena pajak yang cukup akan that sufficient taxable income will be available to
tersedia untuk mengkompensasi sebagian atau allow all or part of the deferred tax assets to be
seluruh aset pajak tangguhan. utilized.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pertimbangan signifikan diperlukan dalam Significant judgement is required in determining the
menentukan provisi perpajakan provision for taxes
Bank dan entitas anak menentukan provisi The Bank and its subsidiaries provides for tax
perpajakan berdasarkan estimasi atas kemungkinan provision based on estimates whether the
adanya tambahan beban pajak. Jika hasil akhir dari additional taxes will be due. Where the final tax
hal ini berbeda dengan jumlah yang dicatat semula, outcome of these matters is different from the
maka perbedaan tersebut akan berdampak amounts that were initially recorded, such
terhadap laba/rugi. differences will impact the profit/loss.
Nilai kini atas kewajiban imbalan pasca kerja dan Present value of post employment and other long
imbalan jangka panjang lainnya term employment benefits
Biaya atas kewajiban imbalan pasca kerja dan The cost of post employment and other long term
imbalan jangka panjang lainnya ditentukan dengan employment benefits is determined using actuarial
perhitungan aktuaris. Perhitungan aktuaris valuations. The actuarial valuation involves making
melibatkan penggunaan asumsi mengenai tingkat assumptions about discount rates, expected rates
diskonto, tingkat pengembalian yang diharapkan of return on assets, future salary increases,
dari aset, kenaikan gaji di masa depan, tingkat mortality rates and disability rate. Due to the long-
kematian dan tingkat kecacatan. Karena program term nature of these plans, such estimates are
tersebut memiliki sifat jangka panjang, maka subject to significant uncertainty.
perkiraan tersebut memiliki ketidakpastian yang
signifikan.
4. Kas 4. Cash
31 Desember/December 31 , 2023 31 Desember/December 31 , 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currencies Rupiah/ currencies Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount ) Rupiah full amount ) Rupiah
Rupiah 3,522,383 3,290,870 Rupiah
Mata uang asing Foreign currencies
Dolar Amerika Serikat 351,586 5,413 424,211 6,604 United States Dollar
Dolar Singapura 94,809 1,107 108,000 1,252 Singapore Dollar
Euro Eropa 21,318 623 24,191 401 European Euro
Dolar Australia 36,576 278 32,150 339 Australian Dollar
Riyal Saudi Arabia 26,400 88 47,074 195 Saudi Arabian Riyal
Renminbi 613,451 20 85,313 191 Renminbi
Dolar Hong Kong 9,537 27 40,970 82 Hong Kong Dollar
Yen Jepang 3,450 68 271,000 32 Japanese Yen
Poundsterling Inggris 13,565 67 3,455 65 Great Britain Poundsterling
7,691 9,161
Total 3,530,074 3,300,031 Total
Saldo dalam mata uang Rupiah termasuk uang The Rupiah balance includes cash in ATMs
pada Anjungan Tunai Mandiri (ATM) sebesar (Automated Teller Machines) of Rp1,137,116 and
Rp1.137.116 dan Rp1.176.198 masing-masing Rp1,176,198 as of December 31, 2023 and 2022,
pada tanggal 31 Desember 2023 dan 2022. respectively.
Pada tanggal 31 Desember 2023 dan 2022, tidak As of December 31, 2023 and 2022 there are no
terdapat saldo kas yang digunakan sebagai cash used as collateral.
agunan.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
5. Giro pada Bank Indonesia 5. Current Accounts with Bank Indonesia
31 Desember/December 31 , 2023 31 Desember/December 31 , 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currencies Rupiah/ currencies Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount ) Rupiah full amount ) Rupiah
Rupiah 14,703,643 12,954,640 Rupiah
Dolar Amerika Serikat 11,438,847 176,124 5,007,430 77,953 United States Dollar
Total 14,879,767 13,032,593 Total
Dalam giro pada Bank Indonesia termasuk giro Current accounts with Bank Indonesia include
yang didasarkan pada prinsip perbankan syariah current accounts based on sharia banking
sebesar Rp578.671 dan Rp549.453 masing- principles amounting to Rp578,671 and Rp549,453
masing pada tanggal 31 Desember 2023 dan as of December 31, 2023 and 2022, respectively.
2022.
Rasio Giro Wajib Minimum (GWM) pada tanggal The minimum statutory reserves ratio (GWM) as of
31 Desember 2023 dan 2022 adalah sebagai December 31, 2023 and 2022 are as follows:
berikut:
31 Desember/
December 31,
2023 2022
Rupiah Rupiah
Utama 7.91% 8.28% Primary
PLM 10.45% 12.21% PLM
Dolar Amerika Serikat 4.35% 4.36% United States Dollar
Syariah - Rupiah 5.60% 7.50% Sharia- Rupiah
Mulai berlaku per 1 September 2022, Bank Effective as of September 1, 2022, Bank
melakukan penyediaan dana untuk kegiatan undertakesproviding funds for certain and inclusive
ekonomi tertentu dan inklusif, sehingga Bank economic activities, so that the Bank gets
mendapatkan insentif berupa kelonggaran GWM incentives in the form of a relaxation of GWM in
dalam Rupiah pada 31 Desember 2023 dan 2022 Rupiah on 31 December 2023 and 2022 of 2.95%
sebesar 2,95% dan 1,50%. Sehingga, GWM dalam and 1.50%. GWM in rupiah that must be met by the
rupiah yang harus dipenuhi Bank pada 31 Bank on 31 December 2023 should be 9.00% with
Desember 2023 yang seharusnya sebesar 9,00% a daily requirement of 0.00% and an average of
dengan ketentuan harian 0,00% dan rata-rata 9.00% to 6.05% with a daily requirement of 0.00%
9,00% menjadi sebesar 6,05% dengan ketentuan and an average of 6.05% and 7.50% with a daily
harian 0,00% dan rata-rata 6,05% serta sebesar requirement of 0.00% and an average of 7.50% for
7,50% dengan ketentuan harian 0.00% dan rata- 2022.
rata 7,50% untuk 2022.
GWM Bank pada tanggal 31 Desember 2023 dan GWM of the Bank as of December 31, 2023 and
2022 terdiri dari GWM Primer masing-masing 2022 is consist of primary GWM of 6,05% and
sebesar 6,05% dan 7,50% dengan menggunakan 7.50%, respectively, through current accounts with
saldo rekening giro Rupiah, dan sebesar 4,00% Bank Indonesia in Rupiah, and 4.00% and 4.00%
dan 4,00% untuk valuta asing pada Bank for foreign currency, respectively. Macroprudential
Indonesia. Penyangga Likuiditas Makroprudensial Liquidity Buffer of 5.00% and 6.00% as of
(PLM) sebesar 5,00% dan 6,00% masing-masing December 31, 2023 and 2022, respectively.
pada tanggal 31 Desember 2023 dan 2022.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Berdasarkan prinsip syariah pada tanggal Based on Sharia principle, as of December
31 Desember 2023 dan 2022, sesuai dengan 31, 2023 and 2022, based on the Bank Indonesia
ketentuan Bank Indonesia, Bank dan entitas anak regulations, the Bank and its subsidiaries is
harus memenuhi persyaratan GWM dalam Rupiah required to maintain GWM in Rupiah of 7.50%, and
masing-masing sebesar 7,50%, dan 7,50%. 7.50%.
Rasio GWM pada tanggal 31 Desember 2023 dan The calculation of the GWM ratio as of December
2022 dihitung berdasarkan Peraturan Bank 31, 2023 and 2022 is based on Bank Indonesia
Indonesia (PBI) Nomor 20/3/PBI/2018 tanggal 29 regulation (PBI) No. 20/3/PBI/2018 dated March
Maret 2018 Tentang Giro Wajib Minimum dalam 29, 2018 concerning Statutory Reserves for
Rupiah dan Valuta Asing Bagi Bank Umum Commercial Banks in Rupiah and Foreign
Konvensional, Bank Umum Syariah, dan Unit Exchange for Conventional Commercial Banks,
Usaha Syariah sebagaimana telah diubah Sharia Commercial Banks, and Sharia Business
beberapa kali dengan PBI No. 22/3/PBI/2020 Units as amended several times with PBI
tanggal 24 Maret 2020; PBI No. 22/10/PBI/2020 No.22/3/PBI/2020 dated March 24, 2020; PBI No.
tanggal 28 Juli 2020; PBI 22/10/PBI/2020 dated July 28, 2020; PBI
No. 23/16/PBI/2021 tanggal 21 Desember 2021; No.23/16/PBI/2021 dated December 21, 2021; and
dan terakhir kali dengan PBI finally through PBI No. 24/4/PBI/2022 dated March
No. 24/4/PBI/2022 tanggal 1 Maret 2022 yang 1, 2022 which is explained through the Regulation
dijelaskan melalui Peraturan Anggota Dewan of Members of the Board of Governors (PADG) No.
Gubernur (PADG) No. 20/10/PADG/2018 tanggal 20/10/PADG/2018 dated May 31, 2018 concerning
31 Mei 2018 Tentang Giro Wajib Minimum dalam Statutory Reserves for Commercial Banks in
Rupiah dan Valuta Asing Bagi Bank Umum Rupiah and Foreign Exchange for Conventional
Konvensional, Bank Umum Syariah, dan Unit Commercial Banks, Sharia Commercial Banks, and
Usaha Syariah sebagaimana telah diubah Sharia Business Units as amended several times
beberapa kali dengan PADG No. with PADG No. 20/30/PADG/2018 dated November
20/30/PADG/2018 tanggal 30 November 2018; 30, 2018; PADG No. 21/14/PADG/2019 dated June
PADG No. 21/14/PADG/2019 tanggal 26 Juni 26, 2019; PADG No.21/27/PADG/2019 dated
2019; PADG No. 21/27/PADG/2019 tanggal 26 December 26, 2019; PADG No.22/2/PADG/2020
Desember 2019; PADG No. 22/2/PADG/2020 dated March 10, 2020; PADG No. 22/10/PADG
tanggal 10 Maret 2020; PADG No. 2020 dated April 29, 2020; PADG
22/10/PADG/2020 tanggal 29 April 2020; PADG No.22/19/PADG/2020 dated July 29, 2020; PADG
No. 22/19/PADG/2020 tanggal 29 Juli 2020; PADG No. 23/27/PADG/2021 dated December 21, 2021;
No. 23/27/PADG/2021 tanggal 21 Desember 2021; and finally through PADG No. 24/3/PADG/2022
dan terakhir kali melalui PADG No. dated March 1, 2022. And also refers to PADG
24/3/PADG/2022 tanggal 1 Maret 2022. Serta No.24/8/PADG/2022 dated June 30, 2022
mengacu pada PADG No. 24/8/PADG/2022 concerning regulations for the Fulfillment of
tanggal 30 Juni 2022 tentang Peraturan Statutory Reserves for Commercial Banks in
Pelaksanaan Pemenuhan Giro Wajib Minimum Rupiah and Foreign Exchange for Conventional
dalam Rupiah dan Valuta Asing bagi Bank Umum Commercial Banks, Sharia Commercial Banks, and
Konvensional, Bank Umum Syariah, dan Unit Sharia Business Units as amended several times
Usaha Syariah sebagaimana telah diubah with PADG No. 2 year 2023 dated March 24, 2023;
beberapa kali dengan PADG No. 2 Tahun 2023 and the last time through PADG
tanggal 24 Maret 2023; dan terakhir kali dengan No. 12 year 2023 dated September 27, 2023.
PADG No. 12 Tahun 2023 tanggal
27 September 2023.
Pada tanggal 31 Desember 2023 dan 2022, Bank As December 31, 2023 and 2022, the Bank must
juga harus memenuhi PBI No. 20/4/PBI/2018 also comply with Bank Indonesia Regulation (PBI)
tanggal 3 April 2018 tentang Rasio Intermediasi No. 20/4/PBI/2018 dated April 3, 2018 concerning
Makroprudensial dan Penyangga Likuiditas Macroprudential Intermediation Ratios and
Makroprudensial bagi Bank Umum Konvensional, Macroprudential Liquidity Buffers for Conventional
Bank Umum Syariah, dan Unit Usaha Syariah Commercial Banks, Sharia Commercial Banks, and
sebagaimana telah diubah beberapa kali dengan Sharia Bussiness Unit which has been amended
PBI No. 21/12/PBI/2019 tanggal 25 November several times with PBI No. 21/12/PBI/2019 dated
2019; PBI No. 22/17/PBI/2020 tanggal November 25, 2019; PBI No. 22/17/PBI/2020 dated
1 Oktober 2020; PBI No. 23/17/PBI/2021 tanggal October 1, 2020; PBI No. 23/17/PBI/2021 dated
21 Desember 2021; dan terakhir kali melalui PBI December 21, 2021; and finally through PBI No.
No. 24/16/PBI/2022 tanggal 31 Oktober 2022 yang 24/16/PBI/2022 dated October 31, 2022 which is
dijelaskan melalui Peraturan Anggota Dewan explained through the Regulation of Members of
Gubernur (PADG) No. 21/22/PADG/2019 tanggal the Board of Governors (PADG)
28 November 2019 tentang tentang Rasio No. 21/22/PADG/2019 dated November 28, 2019
Intermediasi Makroprudensial dan Penyangga concerning Macroprudential Intermediation Ratios
Approval for Printing paraf:
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Likuiditas Makroprudensial bagi Bank Umum and Macroprudential Liquidity Buffers for
Konvensional, Bank Umum Syariah, dan Unit Convetional Commercial Banks, Sharia
Usaha Syariah yang telah diubah beberapa kali Commercial Banks and Sharia Business Units
dengan PADG No. 21/11/PADG/2020 tanggal 29 which has been amended several times with PADG
April 2020; PADG No. 22/30/PADG/2020 tanggal 5 No. 21/11/PADG/2020 dated April 29, 2020; PADG
Oktober 2020; PADG No. 23/7/PADG/2021 tanggal No. 22/30/PADG/2020 dated October 5, 2020;
26 April 2021; PADG No. 23/31/PADG/2021 PADG No. 23/7/PADG/2021 dated April 26,
tanggal 31 Desember 2021; PADG 2021; PADG No. 23/31/PADG/2021
No. 24/14/PADG/2022 tanggal 31 Oktober 2022; dated December 31, 2021; PADG
PADG No. 10 Tahun 2023 tanggal 14 September No. 24/14/PADG/2022 dated October 31, 2022;
2023; dan terakhir kali dengan PADG No. 18 PADG Number 10 of 2023 dated September 14,
Tahun 2023 tanggal 29 November 2023. 2023, and was last amended by PADG Number 18
of 2023 dated November 29, 2023.
GWM Primer adalah simpanan minimum yang Primary Minimum Statutory Reserve is a minimum
wajib dipelihara oleh Bank dalam bentuk saldo reserve that should be maintained by the Bank in
Rekening Giro pada Bank Indonesia. GWM Current Accounts with Bank Indonesia. Secondary
Sekunder dan Penyangga Likuiditas Minimum Statutory Reserve and Macroprudential
Makroprudensial (PLM) adalah cadangan minimum Liquidity Buffer are the minimum reserves that
yang wajib dipelihara oleh Bank berupa Sertifikat should be maintained by the Bank which comprise
Bank Indonesia (SBI), Surat Utang Negara (SUN), of Certificates of Bank Indonesia (SBI),
Surat Berharga Syariah Negara (SBSN) dan/atau Government Debenture Debt (SUN), Sharia
excess reserve yang merupakan kelebihan saldo Government Securities (SBSN), and/or excess
Rekening Giro Rupiah dari GWM Primer, GWM reserve which represents the excess reserve of the
LFR dan Rasio Intermediasi Makroprudensial Bank Current Accounts in Rupiah over the Primary
(RIM). GWM LFR dan RIM adalah tambahan Minimum Statutory Reserve, Minimum Statutory
simpanan minimum yang wajib dipelihara oleh Reserve on LFR and Macroprudential
Bank dalam bentuk saldo Rekening Giro pada Intermediation Ratio (RIM). Minimum Statutory
Bank Indonesia, jika LFR dan RIM target Bank Reserve on LFR and RIM is the additional reserve
Indonesia (84%) atau jika di atas maksimum LFR that should be maintained by the Bank in the form
dan RIM target BI (94%) dan Kewajiban of Current Accounts with Bank Indonesia, if the
Penyediaan Modal Minimum (KPMM) Bank lebih Bank and its subsidiaries’ LFR and RIM is below
kecil dari KPMM Insentif BI sebesar 14%. the minimum of LFR and RIM targeted by Bank
Indonesia (84%) or if the Bank LFR and RIM is
above the maximum of LFR and RIM targeted by
BI (94%) and the Capital Adequacy Ratio (CAR) is
below BI requirement of 14%.
Pada tanggal 31 Desember 2023 dan 2022, Bank As of December 31, 2023 and 2022, the Bank has
telah memenuhi ketentuan Peraturan Bank fulfilled Bank Indonesia’s prevailingregulation
Indonesia yang berlaku tentang GWM Bank regarding GWM of Commercial Banks.
Umum.
Pada tanggal 31 Desember 2023 dan 2022, tidak As of December 31, 2023 and 2022, there are no
ada giro pada Bank Indonesia yang dijadikan current accounts with Bank Indonesia pledged as
jaminan. collateral.
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Page 742
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
6. Giro pada Bank Lain 6. Current Accounts with other Banks
a. Berdasarkan mata uang a. By currency
31 Desember/December 31, 2023 31 Desember/December 31, 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currencies Rupiah/ currencies Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Rupiah 582,783 325,659 Rupiah
Mata uang asing Foreign currencies
Dolar Amerika Serikat 29,655,027 456,598 51,793,563 806,296 United States Dollar
Dolar Singapura 3,611,607 42,170 3,525,981 40,876 Singapore Dollar
Dolar Australia 2,524,102 26,555 2,660,598 28,090 Australian Dollar
Yen Jepang 540,777,244 58,880 167,436,376 19,726 Japanese Yen
Euro Eropa 1,159,948 19,764 902,483 14,965 European Euro
Poundsterling Inggris 388,813 7,631 309,148 5,808 Great Britain Poundsterling
Dolar Hong Kong 527,744 1,040 535,744 1,070 Hong Kong Dollar
Renminbi 629,722 1,366 539,211 1,205 Renminbi
614,004 918,036
Total 1,196,787 1,243,695 Total
Cadangan kerugian penurunan nilai (57) (68) Allowance for impairment losses
Neto 1,196,730 1,243,627 Net
b. Berdasarkan hubungan b. Based on relationship
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pihak ketiga Third parties
Rupiah 582,783 325,659 Rupiah
Mata uang asing Foreign currencies
Dolar Amerika Serikat 456,598 806,296 United States Dollar
Dolar Singapura 42,170 40,876 Singapore Dollar
Dolar Australia 26,555 28,090 Australian Dollar
Yen Jepang 58,880 19,726 Japanese Yen
Euro Eropa 19,764 14,965 European Euro
Poundsterling Inggris 7,631 5,808 Great Britain Poundsterling
Dolar Hong Kong 1,040 1,070 Hong Kong Dollar
Renminbi 1,366 1,205 Renminbi
614,004 918,036
Total 1,196,787 1,243,695 Total
Cadangan kerugian penurunan nilai (57) (68) Allowance for impairment losses
Neto 1,196,730 1,243,627 Net
Approval for Printing paraf:
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Page 743
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Berdasarkan bank c. By bank
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah Rupiah
Bank Pemerintah Daerah Regional Banks
PT BPD Kalimatan Selatan 12,910 11,590 PT BPD Kalimatan Selatan
PT BPD Bali 11,466 3,738 PT BPD Bali
PT BPD Sulawesi Selatan PT BPD Sulawesi Selatan
dan Sulawesi Barat 7,029 3,097 dan Sulawesi Barat
PT BPD Jawa Tengah 4,027 1,318 PT BPD Jawa Tengah
PT BPD Jawa Timur Tbk 1,598 1,080 PT BPD Jawa Timur Tbk
PT BPD Kalimantan Timur 4 - PT BPD Kalimantan Timur
PT BPD Sulawesi Utara 1 1 PT BPD Sulawesi Utara
PT BPD Riau Kepri 1 1 PT BPD Riau Kepri
PT BPD Lampung 1 1 PT BPD Lampung
PT BPD Sumatera Selatan PT BPD Sumatera Selatan
dan Bangka Belitung 1 1 dan Bangka Belitung
PT BPD Banten Tbk - 13 PT BPD Banten Tbk
37,038 20,840
Bank Umum Commercial Banks
PT Bank Central Asia Tbk 524,756 270,099 PT Bank Central Asia Tbk
PT Bank Sahabat Sampoerna 16,255 15,780 PT Bank Sahabat Sampoerna
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 2,943 3,225 (Persero) Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) 1,238 4,389 (Persero) Tbk
Standard Chartered Indonesia 399 434 Standard Chartered Indonesia
PT Bank Mandiri (Persero) Tbk 152 3,529 PT Bank Mandiri (Persero) Tbk
PT Bank Syariah Indonesia Tbk 1 1 PT Bank Syariah Indonesia Tbk
PT Bank Danamon Indonesia Tbk - 3,232 PT Bank Danamon Indonesia Tbk
PT Bank OCBC NISP Tbk - 2,086 PT Bank OCBC NISP Tbk
PT Bank CIMB Niaga Tbk - 1,898 PT Bank CIMB Niaga Tbk
PT Bank Oke Indonesia - 129 PT Bank Oke Indonesia
PT Bank KEB Hana Indonesia - 14 PT Bank KEB Hana Indonesia
PT Bank Maybank Indonesia Tbk - 2 PT Bank Maybank Indonesia Tbk
PT Bank Woori Saudara Indonesia 1906 Tbk - 1 PT Bank Woori Saudara Indonesia 1906 Tbk
545,744 304,819
582,782 325,659
Mata uang asing Foreign currencies
Citibank, N.A 299,015 293,891 Citibank, N.A
PT Bank Central Asia Tbk 69,789 195,367 PT Bank Central Asia Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 91,725 183,642 (Persero) Tbk
PT Bank Mandiri (Persero) Tbk 57,721 151,049 PT Bank Mandiri (Persero) Tbk
Standard Chartered Bank 47,235 46,938 Standard Chartered Bank
Overseas-Chinese Banking Overseas-Chinese Banking
Corporation, Ltd 42,170 40,876 Corporation, Ltd
Kookmin Bank Kookmin Bank
Industrial and Commercial 4,747 4,799 Industrial and Commercial
PT Bank ICBC Indonesia 1,366 1,205 PT Bank ICBC Indonesia
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia Tbk
(Persero) Tbk 180 201 (Persero) Tbk
Indover Bank, Amsterdam 57 68 Indover Bank, Amsterdam
614,005 918,036
Total 1,196,787 1,243,695 Total
Cadangan kerugian penurunan nilai (57) (68) Allowance for impairment losses
Neto 1,196,730 1,243,627 Net
Approval for Printing paraf:
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Page 744
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
d. Tingkat suku bunga rata-rata per tahun d. Average interest rates per annum
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah
Mata uang asing 1.38% 1.20% Rupiah
0.00% 0.00% Foreign currencies
e. Perubahan nilai tercatat bruto e. Movement in the gross carrying amount
Perubahan nilai tercatat bruto adalah sebagai The movements in the gross carrying amount are
berikut: as follows:
31 Desember/December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Nilai tercatat bruto awal 1,243,695 - - - 1,243,695 Initial gross carrying amount
Aset baru 156 - - - 156 New assets originated
Aset dihentikan
pengakuannya ataudilunasi (kecuali Assets derecognized
hapus buku) (23,066) - - - (23,066) write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali (18,362) - - - (18,362) Remeasurement
Penghapusbukuan Write off
Valuta asing dan Forign exchange and
perubahan lain (5,636) - - - (5,636) other movement
Nilai tercatat bruto akhir 1,196,787 - - - 1,196,787 Ending gross carrying amount
31 Desember/December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Nilai tercatat bruto awal 2,691,297 - - - 2,691,297 Initial gross carrying amount
Aset baru 64,186 - - - 17,278 New assets originated
Aset dihentikan - - -
pengakuannya atau - - - Assets derecognized
hapus buku) (1,549,430) - - - (1,549,430) write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali 12,825 - - - 12,825 Remeasurement
Penghapusbukuan - - - - - Write off
Valuta asing dan Forign exchange and
perubahan lain 71,725 - - - 71,725 other movement
Nilai tercatat bruto akhir 1,290,603 - - - 1,243,695 Ending gross carrying amount
Approval for Printing paraf:
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Page 745
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
f. Perubahan cadangan kerugian penurunan nilai f. Movements in the allowance for impairment losses
31 Desember/December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Saldo awal - - 68 - 68 Initial balance
Aset Baru - - - - -- New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi or repaid (exclude
(kecuali hapus buku) - - - - - write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali - - - - - Remeasurement
Penghapusbukuan - - - - - Write off
Valuta asing dan - Foreign exchange and
perubahan lain - - (11) - (11) other movement
Saldo akhir - - 57 - 57 Ending balance
31 Desember/December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Saldo awal - - 66 - 66 Initial balance
Aset Baru New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi or repaid (exclude
(kecuali hapus buku) - - - - -- write off)
Transfer ke Tahap 1 - - - - -- Transfer to Stage 1
Transfer ke Tahap 2 - - - - -- Transfer to Stage 2
Transfer ke Tahap 3 - - - - -- Transfer to Stage 3
Pengukuran kembali - - - - -- Remeasurement
Penghapusbukuan - - - - -- Write off
Valuta asing dan - Foreign exchange and
perubahan lain - - 2 - 2 other movement
Saldo akhir - - 68 - 68 Ending balance
Manajemen berpendapat bahwa jumlah cadangan Management believes that the above allowance for
kerugian penurunan nilai di atas telah memadai. impairment losses is adequate.
Informasi mengenai klasifikasi aset keuangan yang Information with respect to classification of
mengalami penurunan nilai dan tidak mengalami impaired and not impaired of financial assets are
penurunan nilai diungkapkan pada Catatan 46. disclosed in Note 46.
g. Berdasarkan kolektibilitas g. By collectibility
Kolektibilitas giro pada bank lain adalah sebagai The collectibility of current accounts with other
berikut: banks are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Lancar 1,196,730 1,243,627 Current
Macet 57 68 Loss
Total 1,196,787 1,243,695 Total
Cadangan kerugian penurunan nilai (57) (68) Allowance for impairment losses
Neto 1,196,730 1,243,627 Net
Approval for Printing paraf:
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Page 746
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
h. Giro pada bank lain yang digunakan sebagai agunan h. Current account with other banks pledged as
collateral
Pada tanggal 31 Desember 2023 dan 2022, tidak As of December 31, 2023 and 2022 there are no
terdapat saldo giro pada bank lain yang digunakan current accounts with other banks which are used
sebagai agunan. as collateral.
7. Penempatan pada Bank Indonesia dan Bank Lain 7. Placements with Bank Indonesia and Other
Banks
a. Berdasarkan jenis, hubungan dan mata uang a. Based on type, relationship and currency
31 Desember/December 31 , 2023 31 Desember/December 31 , 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currencies Rupiah/ currencies Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Pihak ketiga Third parties
Rupiah Rupiah
Deposit Facility Deposit Facility
Bank Indonesia - 4,999,341 Bank Indonesia
Bank Indonesia Syariah 71,000 390,000 Bank Indonesia Syariah
Call Money 950,000 1,000,000 Call Money
Deposito berjangka 385,875 762,450 Time Deposits
Tabungan 128 5,016 Savings
1,407,003 7,156,807
Dolar Amerika Serikat United States Dollar
Call Money 76,985 - Call Money
Deposit Facility Bank Indonesia 2,403,001 - Deposit Facility Bank Indonesia
2,479,986 -
Cadangan kerugian Allowance for
penurunan nilai (296) (2,133) impairment losses
Neto 3,886,693 7,154,674 Net
b. Berdasarkan sisa umur hingga jatuh tempo b. By remaining period until maturity
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
< 1 bulan 3,886,989 7,060,682 < 1 month
> 1 bulan < 3 bulan - 40,725 > 1 month < 3 months
>1 bulan ≤ 3 bulan - 55,400 >1 bulan ≤ 3 bulan
Total 3,886,989 7,156,807 Total
Cadangan kerugian penurunan nilai (296) (2,133) Allowance for impairment losses
Neto 3,886,693 7,154,674 Net
Approval for Printing paraf:
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Page 747
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Berdasarkan jenis dan nama bank c. By type and counterparty bank
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah Rupiah
Bank Indonesia Bank Indonesia
Deposit Facility - 4,999,341 Deposit Facility
Deposit Facility - Syariah 71,000 390,000 Deposit Facility - Sharia
71,000 5,389,341
Call Money Call Money
PT BPD Sumatera Selatan dan Bangka Belitung 225,000 - PT BPD Sumatera Selatan dan Bangka Belitung
PT Bank Mayapada International Tbk 300,000 - PT Bank Mayapada International Tbk
PT BPD Maluku 150,000 25,000 PT BPD Maluku
PT Bank Capital Indonesia Tbk 100,000 320,000 PT Bank Capital Indonesia Tbk
PT BPD Bengkulu 75,000 75,000 PT BPD Bengkulu
PT BPD Sulawesi Tenggara 50,000 225,000 PT BPD Sulawesi Tenggara
PT Bank DBS Indonesia Tbk 50,000 - PT Bank DBS Indonesia Tbk
PT Bank Sahabat Sampoerna - 100,000 PT Bank Sahabat Sampoerna
PT BPD Aceh - 50,000 PT BPD Aceh
PT BPD Lampung - 50,000 PT BPD Lampung
PT Bank Nationalnobu Tbk - 50,000 PT Bank Nationalnobu Tbk
PT BPD Nusa Tenggara Timur - 50,000 PT BPD Nusa Tenggara Timur
PT Bank Ina Perdana Tbk - 30,000 PT Bank Ina Perdana Tbk
PT BPD Kalimantan Tengah - 25,000 PT BPD Kalimantan Tengah
950,000 1,000,000
Deposito berjangka Time deposits
PT BPD Riau Kepri (Unit Usaha Syariah) 46,700 - PT BPD Riau Kepri (Unit Usaha Syariah)
PT Bank Sahabat Sampoerna 31,100 10,000 PT Bank Sahabat Sampoerna
PT BPD Sulawesi Utara Gorontalo 28,900 35,050 PT BPD Sulawesi Utara Gorontalo
PT Bank Nagari 30,200 261,900 PT Nagari
PT BPD Sulawesi Tengah 25,750 24,800 PT BPD Sulawesi Tengah
PT Bank Nationalnobu Tbk 22,850 28,650 PT Bank Nationalnobu Tbk
PT BPD Aceh 19,800 - PT BPD Aceh
PT BPD Lampung 19,450 23,650 PT BPD Lampung
PT BPD Kalimantan Barat 18,400 194,650 PT BPD Kalimantan Barat
PT BPD Sulawesi Selatan dan Sulawesi Barat 15,900 51,050 PT BPD Sulawesi Selatan dan Sulawesi Barat
PT BPD Sumatera Selatan & Bangka Belitung 13,900 16,500 PT BPD Sumatera Selatan & Bangka Belitung
PT BPD Jambi 12,800 6,000 PT BPD Jambi
PT BPD Kalimantan Tengah 8,400 25,400 PT BPD Kalimantan Tengah
PT Bank Mega Tbk 7,800 22,650 PT Bank Mega Tbk.
PT Bank DKI 7,500 24,150 PT Bank DKI
PT BPD Sumatera Utara 6,900 - PT BPD Sumatera Utara
PT BPD Jawa Timur Tbk 6,000 5,000 PT BPD Jawa Timur Tbk
PT Bank Nagari (Unit Usaha Syariah) 6,000 - PT Bank Nagari (Unit Usaha Syariah)
PT Bank Tabungan Negara (Persero) Tbk PT Bank Tabungan Negara (Persero) Tbk
(Unit Usaha Syariah) 5,800 - (Unit Usaha Syariah)
PT Bank Victoria International 5,400 15,400 PT Bank Victoria International
PT Bank MNC International Tbk 5,400 - PT Bank MNC International Tbk
PT Bank Rakyat Indonesia (Persero) Tbk 5,250 26,000 PT Bank Rakyat Indonesia (Persero) Tbk
PT BPD Jawa Timur Tbk (Unit Usaha Syariah) 5,000 - PT BPD Jawa Timur Tbk (Unit Usaha Syariah)
PT Bank Syariah Indonesia Tbk 5,000 - PT Bank Syariah Indonesia Tbk
PT Bank Sinarmas Tbk (Unit Usaha Syariah) 5,000 - PT Bank Sinarmas Tbk (Unit Usaha Syariah)
PT BPD Kalimantan Barat (Unit Usaha Syariah) 5,000 - PT BPD Kalimantan Barat (Unit Usaha Syariah)
PT Bank DKI (Unit Usaha Syariah) 5,000 - PT Bank DKI (Unit Usaha Syariah)
PT Bank Tabungan Negara (Persero) Tbk 4,675 89,050 PT Bank Tabungan Negara (Persero) Tbk
PT Bank Maspion Indonesia Tbk 4,500 - PT Bank Maspion Indonesia Tbk
PT Bank Tabungan Pensiunan National Tbk PT Bank Tabungan Pensiunan National Tbk
(Unit Usaha Syariah) 1,500 - (Unit Usaha Syariah)
Approval for Printing paraf:
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Page 748
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
PT Bank Raya Indonesia Tbk - 27,000 PT Bank Raya Indonesia Tbk
PT Bank Capital Indonesia Tbk - 25,800 PT Bank Capital Indonesia Tbk
PT BPD Sulawesi Tenggara - 25,000 PT BPD Sulawesi Tenggara
PT BPD Bali - 12,650 PT BPD Bali
PT Bank KB Bukopin Tbk - 12,650 PT Bank KB Bukopin Tbk
PT BPD Riau Kepri - 5,400 PT BPD Riau Kepri
PT BPD Maluku - 5,400 PT BPD Maluku
PT BPD Jawa Tengah - 5,000 PT BPD Jawa Tengah
PT BPR Kertaraharja Soreang - 4,000 PT BPR Kertaraharja Soreang
PT BPR Lexi Pratama Mandiri - 500 PT BPR Lexi Pratama Mandiri
385,875 762,450
Tabungan Savings
PT Bank Rakyat Indonesia (Persero) Tbk 6 3,205 PT Bank Rakyat Indonesia (Persero) Tbk
PT Bank Mandiri (Persero) Tbk 108 1,732 PT Bank Mandiri (Persero) Tbk
PT BPR Srie Artha Lestari 12 65 PD BPR Srie Artha Lestari
PT Bank Muamalat Indonesia Tbk - 12 PT Bank Muamalat Indonesia Tbk
PT BPR Karyajatnika Sadaya 1 2 PT BPR Karyajatnika Sadaya
PT BPR Supra Artapersada 1 - PT BPR Supra Artapersada
128 5,016
1,407,003 7,156,807
Dollar Amerika Serikat United States Dollar
Bank Indonesia Bank Indonesia
Deposit Facility 2,403,001 - Deposit Facility
Call Money Call Money
PT BPD Jawa Tengah 76,985 - PT BPD Jawa Tengah
3,886,989 7,156,807
Cadangan kerugian penurunan nilai Allowance
(296) (2,133) for impairment losses
Neto 3,886,693 7,154,674 Net
Dalam penempatan pada Bank Indonesia dan bank As of December 31, 2023 and 2022, placements
lain termasuk penempatan yang didasarkan pada with Bank Indonesia and other banks include
prinsip perbankan syariah dengan nilai tercatat placements based on sharia banking principles
sebesar Rp71.000 dan Rp540.000 masing-masing with carrying amounts of Rp71,000 and
pada tanggal 31 Desember 2023 dan 2022. Rp540,000, respectively.
d. Tingkat bagi hasil syariah rata-rata per tahun d. Average sharia profit sharing rate per annum
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah 4.30% 4.04% Rupiah
Dolar Amerika Serikat 1.34% 1.50% United States Dollar
Approval for Printing paraf:
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Page 749
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
e. Perubahan nilai tercatat bruto e. Movement in the gross carrying amount
Perubahan nilai tercatat bruto adalah sebagai The movements in the gross carrying amount are
berikut: as follows:
31 Desember/December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Nilai tercatat bruto awal 7,156,807 - - - 7,156,807 Initial gross carrying amount
Aset baru 3,440,861 - - - 3,440,861 New assets originated
Aset dihentikan
pengakuannya atau Assets derecognized
dilunasi (kecuali or repaid (exclude
hapus buku) (5,971,655) - - - (5,971,655) write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali (739,024) - - - (739,024) Remeasurement
Penghapusbukuan -- -- -- -- -- Write off
Valuta asing dan Foreign exchange and
perubahan lain - - - - - other movement
Nilai tercatat bruto akhir 3,886,989 - - - 3,886,989 Ending gross carrying amount
31 Desember/December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Nilai tercatat bruto awal 11,428,774 - - - 11,428,774 Initial gross carrying amount
Aset baru 7,156,807 - - - 7,156,807 New assets originated
Aset dihentikan
pengakuannya atau Assets derecognized
dilunasi (kecuali or repaid (exclude
hapus buku) (11,428,774) - - - (11,428,774) write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali - - - - - Remeasurement
Penghapusbukuan -- -- -- -- -- Write off
Valuta asing dan Forign exchange and
perubahan lain - - - - - other movement
Nilai tercatat bruto akhir 7,156,807 - - - 7,156,807 Ending gross carrying amount
f. Perubahan cadangan kerugian penurunan nilai f. Movements in the allowance for impairment losses
31 Desember/December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Total
Stage 1 Stage 2 Stage 3 Sharia
Saldo awal 2,133 - - - 2,133 Initial balance
Aset Baru 262 - - - 262 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi or repaid (exclude
(kecuali hapus buku) (1,892) - - - (1,892) write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali (207) - - - (207) Remeasurement
Penghapusbukuan - - - - - Write off
Valuta asing dan Foreign exchange and
perubahan lain -- - - - -- other movement
Saldo akhir 296 - - - 296 Ending balance
Approval for Printing paraf:
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Page 750
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Saldo awal 2,268 - - - 2,268 Initial balance
Aset Baru 2,134 - - - 2,134 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi or repaid (exclude
(kecuali hapus buku) (2,269) - - - (2,269) write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali - - - - - Remeasurement
Penghapusbukuan - - - - - Write off
Valuta asing dan Foreign exchange and
perubahan lain - - - - - other movement
Saldo akhir 2,133 - - - 2,133 Ending balance
Saldo cadangan kerugian penurunan nilai The balance of allowance for impairment losses is
merupakan cadangan yang dibentuk terhadap provided for the balance of placement with other
saldo penempatan pada bank lain oleh Bank dan banks by Bank and its subsidiaries.
entitas anak.
Manajemen berpendapat bahwa jumlah cadangan Management believes that the above allowance
kerugian penurunan nilai di atas telah memadai. for impairment losses is adequate.
Informasi mengenai klasifikasi aset keuangan yang Information with respect the classification of
mengalami penurunan nilai dan tidak mengalami impaired and not impaired of financial assets are
penurunan nilai diungkapkan pada Catatan 46. disclosed in Note 46.
Pada tanggal 31 Desember 2023 dan 2022, tidak As of December 31, 2023 and 2022, there are no
terdapat dana pada bank bermasalah, bank beku funds in troubled banks, banks with frozen
operasi dan likuiditas. operations and liquidity.
Pada tanggal 31 Desember 2023 dan 2022, tidak As of December 31, 2023 and 2022 there are no
terdapat saldo penempatan pada bank lain yang placement with other banks which are used as
digunakan sebagai agunan. collateral.
8. Tagihan dan Liabilitas Derivatif 8. Derivatives Receivable and Payable
Dalam melakukan usaha bisnis, Bank melakukan In the normal course of business, Bank enters
transaksi instrumen keuangan derivatif seperti transactions involving derivative financial
swap mata uang asing, transaksi spot, dan instruments such as currency swaps, spot, and
transaksi forward. forward.
a. Berdasarkan jenis dan mata uang a. By type and currency
31 Desember/December 31 , 2023
Jumlah nosional
mata uang asing Nilai wajar/Fair values
(jumlah penuh)/ Tagihan Liabilitas
Notional amount derivatif/ derivatif/
foreign currency Derivatives Derivatives
Instrumen (full amount) receivable payable Instruments
Terkait Nilai Tukar Exchange Rate Related
Spot Mata Uang Asing - Beli Spot Mata Uang Asing - Beli
USD 13,000,000 246 - USD
FX Forward Mata Uang Asing - Beli FX Forward Mata Uang Asing - Beli
EUR 174,922 - 9 EUR
FX SWAP Mata Uang Asing - Beli FX SWAP Mata Uang Asing - Beli
USD 37,000,000 932 14 USD
JPY 370,000,000 111 - JPY
Total 1,289 23 Total
Approval for Printing paraf:
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Page 751
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31 , 2022
Jumlah nosional
mata uang asing Nilai wajar/Fair values
(jumlah penuh)/ Tagihan Liabilitas
Notional amount derivatif/ derivatif/
foreign currency Derivatives Derivatives
Instrumen (full amount) receivable payable Instruments
Terkait Nilai Tukar Exchange Rate Related
FX Forward Mata Uang Asing - Jual Foreign Currency Fx- Forward - Sell
EUR 112,896 - 157 EUR
FX SWAP Mata Uang Asing - Jual Foreign Currency Fx- SWAP – Sell
USD 210,000,000 17,388 2,050 USD
17,388 2,207
b. Berdasarkan hubungan b. By relationship
Pada tanggal 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022, there is no
tidak ada transaksi derivatif dengan pihak derivative transaction with related party.
berelasi.
9. Surat Berharga 9. Marketable Securities
a. Berdasarkan jenis, mata uang dan hubungan a. By type, currency and relationship
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Biaya perolehan yang diamortisasi At amortized cost
Pihak ketiga Third parties
Rupiah Rupiah
Obligasi 5,422,215 5,851,325 Bonds
Diskonto yang belum diamortisasi - (7,183) Unamortized discount
5,422,215 5,844,142
Nilai wajar melalui penghasilan komprehensif Fair value through other comprehensive
lainnya income
Pihak ketiga Third parties
Rupiah Rupiah
Obligasi 15,771,414 12,919,048 Bonds
Dolar Amerika Serikat United States Dollar
Obligasi 2,361,756 2,228,239 Bonds
18,133,170 15,147,287
Nilai wajar melalui laba rugi Fair value through profit or loss
Pihak ketiga Third parties
Rupiah Rupiah
Reksadana 5,226,836 4,859,178 Mutual funds
Obligasi 2,194,746 1,536,967 Bonds
7,421,582 6,396,145
Total 30,976,967 27,387,574 Total
Cadangan kerugian penurunan nilai (11,357) (5,256) Allowance for impairment losses
Net 30,965,610 27,382,318 Net
Approval for Printing paraf:
77
Page 752
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Berikut adalah perubahan efek-efek dengan Movements on marketable securities classified
klasifikasi nilai wajar melalui penghasilan fair value through other comprehensive income:
komprehensif lain:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Nilai wajar melalui penghasilan komprehensif lain Fair value through other comprehensive income
Saldo awal (420,813) (8,577) Beginning balance
Aset keuangan yang baru dibeli - (77,145) New purchased financial asset
Aset keuangan yang jatuh tempo atau dijual (8,189) - Matured or sold financial asset
Kenaikan (penurunan) dari perubahan nilai wajar 165,950 (427,445) Increase (decrease) from change in fair value
Dampak pajak tangguhan (26,643) 92,354 Deferred tax impact
Saldo akhir (289,695) (420,813) Ending balance
b. Berdasarkan penerbit b. By issuer
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Nilai wajar melalui laba rugi Fair value through profit or loss
Pemerintah Republik Indonesia 2,044,212 1,536,966 Government of Republic Indonesia
PT Syailendra Capital 2,440,527 2,339,051 PT Syailendra Capital
PT BNI Asset Management 1,318,838 1,264,315 PT BNI Asset Management
PT Trimegah Asset Management 795,662 706,436 PT Trimegah Asset Management
PT PNM Investment Management 226,538 246,856 PT PNM Investment Management
PT BRI Manajemen Investasi 252,628 201,734 PT BRI Manajemen Investasi
PT Manulife Asset Management Indonesia 151,706 100,787 PT Manulife Asset Management Indonesia
PT Bahana TCW Investment Management 40,949 - PT Bahana TCW Investment Management
PT Permodalan Nasional Madani 25,424 - PT Permodalan Nasional Madani
PT PLN (Persero) 41,714 - PT PLN (Persero)
PT Federal International Finance 15,765 - PT Federal International Finance
PT Indosat Tbk 13,007 - PT Indosat Tbk
PT Merdeka Copper Gold Tbk 8,111 - PT Merdeka Copper Gold Tbk
PT Pegadaian (Persero) 6,856 - PT Pegadaian (Persero)
PT Tower Bersama Infrastructure Tbk 4,950 - PT Tower Bersama Infrastructure Tbk
PT Pupuk Indonesia (Persero) 4,904 - PT Pupuk Indonesia (Persero)
PT Pelabuhan Indonesia (Persero) 3,105 - PT Pelabuhan Indonesia (Persero)
PT Adira Dinamika Multi Finance Tbk 9,825 - PT Adira Dinamika Multi Finance Tbk
PT Sarana Multigriya Finansial (Persero) 16,861 - PT Sarana Multigriya Finansial (Persero)
7,421,582 6,396,145
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Pemerintah Republik Indonesia 16,828,151 13,823,492 Government of Republic Indonesia
Bank Indonesia 192,864 - Bank Indonesia
PT Perusahaan Pengelola Aset 137,990 161,605 PT Perusahaan Pengelola Aset
PT Pegadaian (Persero) 126,332 126,425 PT Pegadaian (Persero)
PT Sarana Multigriya Finansial (Persero) 104,871 84,389 PT Sarana Multigriya Finansial (Persero)
PT Bank Rakyat Indonesia (Persero) Tbk 90,108 56,593 PT Bank Rakyat Indonesia (Persero) Tbk
PT Federal International Finance 76,134 60,251 PT Federal International Finance
PT BPD Kalimantan Selatan 71,130 72,027 PT BPD Kalimantan Selatan
PT Adira Dinamika Multi Finance Tbk 59,143 58,949 PT Adira Dinamika Multi Finance Tbk
PT Bank Mandiri (Persero) Tbk 56,700 155 PT Bank Mandiri (Persero) Tbk
PT Bahana Pembinaan Usaha Indonesia (Persero) Tbk 53,636 53,671 PT Bahana Pembinaan Usaha Indonesia (Persero) Tbk
PT Astra Sedaya Finance 49,439 50,388 PT Astra Sedaya Finance
PT Mandiri Tunas Finance 48,509 - PT Mandiri Tunas Finance
PT Waskita Karya (Persero) Tbk 39,948 38,937 PT Waskita Karya (Persero) Tbk
PT BPD Sulselbar 38,460 39,496 PT BPD Sulselbar
PT Bank Tabungan Negara (Persero) Tbk 34,052 - PT Bank Tabungan Negara (Persero) Tbk
PT XL Axiata Tbk 29,925 35,157 PT XL Axiata Tbk
PT Trimegah Asset Management 22,552 23,433 PT Trimegah Asset Management
PT Permodalan Nasional Madani 19,844 19,898 PT Permodalan Nasional Madani
PT Adhi Karya (Persero) Tbk 19,765 19,567 PT Adhi Karya (Persero) Tbk
PT Sarana Multi Infrastruktur (Persero) 19,754 - PT Sarana Multi Infrastruktur (Persero)
PT Medco Energi Internasional 9,860 20,004 PT Medco Energi Internasional
PT Indosat Tbk 2,006 48,198 PT Indosat Tbk
PT Bank Mandiri Taspen 1,997 2,263 PT Bank Mandiri Taspen
Approval for Printing paraf:
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Page 753
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
PT Ultra Jaya Milk Industry Tbk - 101,963 PT Ultra Jaya Milk Industry Tbk
PT Tower Bersama Infrastructure Tbk - 89,942 PT Tower Bersama Infrastructure Tbk
PT Semen Indonesia (Persero) Tbk - 51,082 PT Semen Indonesia (Persero) Tbk
PT Perkebunan Nusantara (Persero) - 50,825 PT Perkebunan Nusantara (Persero)
PT Bank Tabungan Pensiunan Nasional Tbk - 33,379 PT Bank Tabungan Pensiunan Nasional Tbk
PT Merdeka Copper Gold Tbk - 25,182 PT Merdeka Copper Gold Tbk
PT Bank Negara Indonesia (Persero) Tbk - 16 PT Bank Negara Indonesia (Persero) Tbk
18,133,170 15,147,287
Biaya perolehan yang diamortisasi Amortized Cost
Pemerintah Republik Indonesia 2,791,318 3,668,177 Government of Republic Indonesia
Bank Indonesia 1,484,375 1,841,101 Bank Indonesia
PT Bank Aceh Syariah 200,000 - PT Bank Aceh Syariah
PT Bank Muamalat Indonesia Tbk 200,000 - PT Bank Muamalat Indonesia Tbk
PT Bank Pembangunan Daerah Sumatera Selatan PT Bank Pembangunan Daerah Sumatera Selatan
dan Bangka Belitung (UUS) 200,000 - dan Bangka Belitung (UUS)
PT Bank Kalbar Unit Usaha Syariah 100,000 - PT Bank Kalbar Unit Usaha Syariah
PT Bank Mega Syariah 100,000 - PT Bank Mega Syariah
PT BPD Nusa Tenggara Barat Syariah 100,000 - PT BPD Nusa Tenggara Barat Syariah
PT Bank Victoria Syariah 90,000 100,000 PT Bank Victoria Syariah
PT Bahana TCW Investment Management 50,655 - PT Bahana TCW Investment Management
PT Bank Syariah Indonesia Tbk 45,000 - PT Bank Syariah Indonesia Tbk
PT Avrist Asset Management 30,000 - PT Avrist Asset Management
PT Mandiri Manajemen Investasi 20,000 - PT Mandiri Manajemen Investasi
PT Bank Negara Indonesia (Persero) Tbk 3,985 124,911 PT Bank Negara Indonesia (Persero) Tbk
PT Dayamitra Telekomunikasi Tbk 3,140 - PT Dayamitra Telekomunikasi Tbk
PT Kalbe Farma Tbk 1,980 - PT Kalbe Farma Tbk
PT Perusahaan Gas Negara Tbk 1,356 - PT Perusahaan Gas Negara Tbk
PT Bank Tabungan Negara (Persero) Tbk 375 - PT Bank Tabungan Negara (Persero) Tbk
PT Semen Indonesia (Persero) Tbk 13 - PT Semen Indonesia (Persero) Tbk
PT Indika Energy Tbk 12 - PT Indika Energy Tbk
PT Aneka Gas Industri Tbk 6 - PT Aneka Gas Industri Tbk
PT Bank Aladin Syariah Tbk - 70,000 PT Bank Aladin SyariahTbk
PT Bank Mandiri (Persero) Tbk - 30,000 PT Bank Mandiri (Persero) Tbk
PT PLN (Persero) - 9,953 PT PLN (Persero)
5,422,215 5,844,142
Total 30,976,967 27,387,574 Total
Cadangan kerugian penurunan nilai (11,357) (5,256) Allowance for impairment losses
Net 30,965,610 27,382,318 Net
Peringkat obligasi berdasarkan hasil The bond ratings based on the result of rating
pemeringkatan oleh PT Pemeringkat Efek by PT Pemeringkat Efek Indonesia (Pefindo)
Indonesia (Pefindo) dan Fitch Rating adalah and Fitch Rating are as follows:
sebagai berikut:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
PT Bank Negara Indonesia (Persero) Tbk AAA AAA PT Bank Negara Indonesia (Persero) Tbk
PT Bank Mandiri (Persero) Tbk AAA AAA PT Bank Mandiri (Persero) Tbk
PT Bank Rakyat Indonesia (Persero) Tbk AAA AAA PT Bank Rakyat Indonesia (Persero) Tbk
PT PLN (Persero) AAA AAA PT PLN (Persero)
PT Sarana Multigriya Finansial (Persero) AAA AAA PT Sarana Multigriya Finansial (Persero)
PT Pegadaian (Persero) AAA AAA PT Pegadaian (Persero)
PT Adira Dinamika Multi Finance Tbk AAA AAA PT Adira Dinamika Multi Finance Tbk
PT Astra Sedaya Finance AAA AAA PT Astra Sedaya Finance
PT Waskita Karya (Persero) Tbk AAA AAA PT Waskita Karya (Persero) Tbk
PT XL Axiata Tbk AAA- AAA PT XL Axiata Tbk
PT Bahana Pembinaan Usaha Indonesia (Persero) AAA AAA PT Bahana Pembinaan Usaha Indonesia (Persero)
PT Federal International Finance AAA AAA PT Federal International Finance
PT Indosat Tbk AAA AAA PT Indosat Tbk
PT Bank Mandiri Taspen AAA AA+ PT Bank Mandiri Taspen
PT Tower Bersama Infrastructure Tbk AA+ AA+ PT Tower Bersama Infrastructure Tbk
PT Medco Energi Internasional Tbk AA- AA- PT Medco Energi Internasional Tbk
PT Bank Tabungan Negara (Persero) Tbk AA+ AA PT Bank Tabungan Negara (Persero) Tbk
Approval for Printing paraf:
79
Page 754
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
PT Permodalan Nasional Madani AA+ AA PT Permodalan Nasional Madani
PT Ultra Jaya Milk Industry Tbk AA AA PT Ultra Jaya Milk Industry Tbk
PT Perusahaan Pengelola Aset AA AA PT Perusahaan Pengelola Aset
PT BPD Sulawesi Selatan dan Sulawesi Barat A+ A+ PT BPD Sulawesi Selatan dan Sulawesi Barat
PT Adhi Karya Persero Tbk A- A- PT Adhi Karya Persero Tbk
PT Bank Victoria Syariah A- A- PT Bank Victoria Syariah
PT Trimegah Sekuritas Indonesia A A PT Trimegah Sekuritas Indonesia
PT Bank Pembangunan Daerah Kalimantan Selatan A A PT Bank Pembangunan Daerah Kalimantan Selatan
PT Sarana Multi Infrastruktur (Persero) AAA - PT Sarana Multi Infrastruktur (Persero)
PT Mandiri Tunas Finance AAA - PT Mandiri Tunas Finance
PT. Bank Central Asia Tbk AAA - PT. Bank Central Asia Tbk
PT. Dayamitra Telekomunikasi Tbk AAA - PT. Dayamitra Telekomunikasi Tbk
PT. Perusahaan Gas Negara Tbk AAA - PT. Perusahaan Gas Negara Tbk
PT. Semen Indonesia (Persero) Tbk AA+ - PT. Semen Indonesia (Persero) Tbk
PT Telkom Indonesia (Persero) Tbk AAA - PT Telkom Indonesia (Persero) Tbk
PT Bank Muamalat Indonesia Tbk A+ - PT Bank Muamalat Indonesia Tbk
PT Bank Syariah Indonesia Tbk AAA - PT Bank Syariah Indonesia Tbk
PT Bank Aceh Syariah A - PT Bank Aceh Syariah
c. Berdasarkan jatuh tempo c. By maturity
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Kurang dari 1 tahun 1,959,366 6,055,841 Less than 1 year
1 - 5 tahun 8,623,162 10,333,856 1 - 5 years
Lebih dari 5 - 10 tahun 10,003,201 6,409,790 More than 5 - 10 years
Lebih dari 10 - 15 tahun 6,101,009 3,889,130 More than 10 - 15 years
Lebih dari 15 tahun 4,290,229 698,957 More than 15 years
Total 30,976,967 27,387,574 Total
Cadangan kerugian penurunan nilai (11,357) (5,256) Allowance for impairment losses
Neto 30,965,610 27,382,318 Net
d. Jatuh tempo dan suku bunga d. Maturity and interest rate
Bagi Hasil
Per Tahun/
Tanggal Annual
Penerbit Jenis/ Jatuh Tempo/ Interest Rate/ Issuer
Rupiah Type Maturity Date Profit Sharing Rupiah
Rupiah Rupiah
PT Sarana Multigriya Finansial (Persero) PT Sarana Multigriya Finansial (Persero)
OBL SMF VI II 2021(A) Obligasi/ 17 November/ 6.00% tetap/ OBL SMF VI II 2021 (A)
Bonds November 17, 2026 fixed
OBLIGASI SMF IA 2021(A) Obligasi/ 8 Juli/ 5.60% tetap/ OBLIGASI SMF IA 2021(A)
Bonds July 8, 2024 fixed
OBLIGASI SMF IV TH 2023 Obligasi/ 22 Februari/ 6.85% tetap/ OBLIGASI SMF IV TH 2023
Bonds February 22, 2028 fixed
Permodalan Nasional Madani Permodalan Nasional Madani
OBL BKLJT IV PNM TAHAP I 2021 SERI B Obligasi/ 10 Desember/ 5.50% tetap/ OBL BKLJT IV PNM TAHAP I 2021 SERI B
Bonds December 10, 2024 fixed
PT Bank Mandiri (Persero) Tbk PT Bank Mandiri (Persero) Tbk
OBLIGASI GREEN BOND I MANDIRI THP I 2023 SERI A Obligasi/ 4 Juli/ 5.80% tetap/ OBLIGASI GREEN BOND I MANDIRI THP I 2023 SERI A
Bonds July 4, 2026 fixed
OBLIGASI GREEN BOND I MANDIRI THP I 2023 SERI B Obligasi/ 4 Juli/ 6.10% tetap/ OBLIGASI GREEN BOND I MANDIRI THP I 2023 SERI B
Bonds July 4, 2028 fixed
PT Bank Mandiri Taspen PT Bank Mandiri Taspen
OBL MANTAP IIA 2021 Obligasi/ 28 April/ 6.50% tetap/ OBL MANTAP IIA 2021
Bonds April 28, 2024 fixed
PT Bank Rakyat Indonesia (Persero) Tbk PT Bank Rakyat Indonesia (Persero) Tbk
OBL GB I BRI TH I 2022 SERI B Obligasi/ 20 Juli/ 5.75% tetap/ OBL GB I BRI TH I 2022 SERI B
Bonds July 20, 2025 fixed
OBL GREEN BOND BKLJT I BRI THP II TH 2023 SERI B Obligasi/ 17 Oktober/ 6.35% tetap/ OBL GREEN BOND BKLJT I BRI THP II TH 2023 SERI B
Bonds 17-Oct-25 fixed
PT BPD Sulselbar PT BPD Sulselbar
OBL SULSEL IA 2021 Obligasi/ 29 Desember/ 6.45% tetap/ OBL SULSEL IA 2021
Bonds December 29, 2024 fixed
OBL SULSEL IB 2021 Obligasi/ 29 Desember/ 6.95% tetap/ OBL SULSEL IB 2021
Bonds December 29, 2026 fixed
Approval for Printing paraf:
80
Page 755
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Bagi Hasil
Per Tahun/
Tanggal Annual
Penerbit Jenis/ Jatuh Tempo/ Interest Rate/ Issuer
Rupiah Type Maturity Date Profit Sharing Rupiah
PT Perusahaan Pengelola Aset PT Perusahaan Pengelola Aset
OBL II PPA 2022 SERI B Obligasi/ 8 Juli/ 7.80% tetap/ OBL II PPA 2022 SERI B
Bonds July 8, 2027 fixed
PT Trimegah Sekuritas Indonesia PT Trimegah Sekuritas Indonesia
MTN II TRIMEGAH I 2021(A) Obligasi/ 9 Maret/ 10.50% tetap/ MTN II TRIMEGAH I 2021(A)
Bonds March 9, 2024 fixed
PT Bank Tabungan Negara (Persero) Tbk PT Bank Tabungan Negara (Persero) Tbk
OBL BTN IIA 2022 Obligasi/ 24 Mei/ 5.50% tetap/ OBL BTN IIA 2022
Bonds May 24, 2025 fixed
OBL BTN IIB 2022 Obligasi/ 24 Mei/ 6.00% tetap/ OBL BTN IIB 2022
Bonds May 24, 2027 fixed
PT Bank Pembangunan Daerah Kalimantan Selatan PT Bank Pembangunan Daerah Kalimantan Selatan
MTN BANK KALSEL TH 2022 Obligasi/ 4 Oktober/ 8.00% tetap/ MTN BANK KALSEL TH 2022
Bonds October 4, 2025 fixed
PT Adira Dinamika Multi Finance Tbk PT Adira Dinamika Multi Finance Tbk
ADIRA III C TH 2022 Obligasi/ 22 Maret/ 6.25% tetap/ ADIRA III C TH 2022
Bonds March 22, 2027 fixed
SUKUK ADIRA III C TH 2022 Obligasi/ 22 Maret/ 6.25% tetap/ SUKUK ADIRA III C TH 2022
Bonds March 22, 2027 fixed
PT Astra Sedaya Finance PT Astra Sedaya Finance
ASF TAHAP IV B TH 2022 Obligasi/ 22 Maret/ 5.70% tetap/ ASF TAHAP IV B TH 2022
Bonds March 22, 2025 fixed
PT Pegadaian PT Pegadaian
SUKUK PEGADAIAN IB 2022 Obligasi/ 26 April/ 5.35% tetap/ SUKUK PEGADAIAN IIB 2022
Bonds April 26, 2025 fixed
OBL PEGADAIAN IB 2022 Obligasi/ 26 April/ 5.35% tetap/ OBL PEGADAIAN IB 2022
Bonds April 26, 2025 fixed
SUKUK PEGADAIAN IIB 2022 Obligasi/ 16 Agustus/ 5.75% tetap/ SUKUK PEGADAIAN IIB 2022
Bonds August 16, 2025 fixed
PT Waskita Karya (Persero) Tbk PT Waskita Karya (Persero) Tbk
OBL IV WASKITA A TH 2022 Obligasi/ 12 Mei/ 6.65% tetap/ OBL IV WASKITA A TH 2022
Bonds May 12, 2027 fixed
PT Adhi Karya Persero, Tbk PT Adhi Karya Persero, Tbk
OBL III ADHI KARYA IIIA 2022 Obligasi/ 24 Mei/ 8.25% tetap/ OBL III ADHI KARYA IIIA 2022
Bonds May 24, 2025 fixed
PT. Medco Energi Internasional Tbk PT. Medco Energi Internasional Tbk
OBL MEDCO III 2022 SERI A Obligasi/ 26 Juli/ 7.00% tetap/ OBL MEDCO III 2022 SERI A
Bonds July 26, 2025 fixed
PT XL Axiata Tbk PT XL Axiata Tbk
SUKUK III XL AXIATA SERI A Obligasi/ 1 September/ 6.75% tetap/ SUKUK III XL AXIATA SERI A
Bonds September 1, 2025 fixed
PT. Indosat Tbk PT. Indosat Tbk
OBL BKLJT IV INDOSAT THP I TH 2022 SERI B Obligasi/ 26 Oktober/ 7.70% tetap/ OBL BKLJT IV INDOSAT THP I TH 2022 SERI B
Bonds October 26, 2027 fixed
PT Federal International Finance PT Federal International Finance
OBL BKLJT V FIF THP IV TH 2022 SERI B Obligasi/ 28 Oktober/ 6.80% tetap/ OBL BKLJT V FIF THP IV TH 2022 SERI B
Bonds October 28, 2025 fixed
OBL BKLJT V FIF THP VB THN 2023 Obligasi/ 24 Februari/ 6.80% tetap/ OBL BKLJT V FIF THP IV TH 2022 SERI B
Bonds February 24, 2026 fixed
PT Bahana Pembinaan Usaha Indonesia (Persero) PT Bahana Pembinaan Usaha Indonesia (Persero)
MTN I BPUI TH 2022 Obligasi/ 2 November/ 9.00% tetap/ MTN I BPUI TH 2022
Bonds November 2, 2027 fixed
PT Sarana Multi Infrastruktur PT Sarana Multi Infrastruktur
SUKUK BKLJT II SMI THP IB TH 2022 Obligasi/ 5 Agustus/ 5.75% tetap/ SUKUK BKLJT II SMI THP IB TH 2022
Bonds August 5, 2025 fixed
PT Mandiri Tunas Finance PT Mandiri Tunas Finance
OBL VI MTF II A 2023 Obligasi/ 27 September/ 6.50% tetap/ OBL VI MTF II A 2023
Bonds September 27, 2026 fixed
Pemerintah Government
INDOIS 26 Obligasi/ 09 Juni/ 1.50% tetap/ INDOIS 26
Bonds June 9, 2026 fixed
INDOIS 25 Obligasi/ 28 Mei/ 4.33% tetap/ INDOIS 25
Bonds May 28, 2025 fixed
INDOIS 25 Obligasi/ 23 Juni/ 2.30% tetap/ INDOIS 25
Bonds June 23, 205 fixed
INDOIS 27 Obligasi/ 6 Juni/ 4.40% tetap/ INDOIS 27
Bonds June 6, 2027 fixed
INDOIS 30 Obligasi/ 23 Juni/ 2.80% tetap/ INDOIS 30
Bonds June 23, 2030 fixed
INDOIS 33 Obligasi/ 15 November/ 5.60% tetap/ INDOIS 33
Bonds November 15, 2033 fixed
Approval for Printing paraf:
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Page 756
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Bagi Hasil
Per Tahun/
Tanggal Annual
Penerbit Jenis/ Jatuh Tempo/ Interest Rate/ Issuer
Rupiah Type Maturity Date Profit Sharing Rupiah
PBS017 Obligasi/ 15 Oktober/ 6.13% tetap/ PBS017
Bonds October 15, 2025 fixed
PBS021 Obligasi/ 15 November/ 8.50% tetap/ PBS021
Bonds November 15, 2026 fixed
PBS031 Obligasi/ 15 Juli/ 4.00% tetap/ PBS031
Bonds July 15, 2024 fixed
PBS032 Obligasi/ 15 Juli/ 4.88% tetap/ PBS032
Bonds July 15, 2026 fixed
PBS036 Obligasi/ 15 Agustus/ 5.38% tetap/ PBS036
Bonds August 15, 2025 fixed
SUN FR 47 Obligasi/ 15 Februari/ 10.00% tetap/ SUN FR 47
Bonds February 15, 2028 fixed
SUN FR 56 Obligasi/ 15 September/ 8.38% tetap/ SUN FR 56
Bonds September 15, 2026 fixed
SUN FR 58 Obligasi/ 15 Juni/ 8.25% tetap/ SUN FR 58
Bonds June 15, 2032 fixed
SUN FR 59 Obligasi/ 15 Mei/ 6.38% tetap/ SUN FR 59
Bonds May 15, 2027 fixed
SUN FR 64 Obligasi/ 15 Mei/ 6.13% tetap/ SUN FR 64
Bonds May 15, 2028 fixed
SUN FR 65 Obligasi/ 15 Mei/ 6.63% tetap/ SUN FR 65
Bonds May 15, 2033 fixed
SUN FR 68 Obligasi/ 15 Maret/ 8.38% tetap/ SUN FR 68
Bonds March 15, 2034 fixed
SUN FR 70 Obligasi/ 15 Maret/ 8.38% tetap/ SUN FR 70
Bonds March 15, 2024 fixed
SUN FR 72 Obligasi/ 15 Mei/ 8.25% tetap/ SUN FR 72
Bonds May 15, 2036 fixed
SUN FR 73 Obligasi/ 15 Mei/ 8.75% tetap/ SUN FR 73
Bonds May 15, 2031 fixed
SUN FR 77 Obligasi/ 15 Mei/ 8.13% tetap/ SUN FR 77
Bonds May 15, 2024 fixed
SUN FR 78 Obligasi/ 15 Mei/ 8.25% tetap/ SUN FR 78
Bonds May 15, 2029 fixed
SUN FR 81 Obligasi/ 15 Juni/ 6.50% tetap/ SUN FR 81
Bonds June 15, 2025 fixed
SUN FR 82 Obligasi/ 15 September/ 7.00% tetap/ SUN FR 82
Bonds September 15, 2030 fixed
SUN FR 86 Obligasi/ 15 April/ 5.50% tetap/ SUN FR 86
Bonds April 15, 2026 fixed
SUN FR 87 Obligasi/ 15 Februari/ 6.50% tetap/ SUN FR 87
Bonds February 15, 2031 fixed
SUN FR 90 Obligasi/ 15 April/ 5.13% tetap/ SUN FR 90
Bonds April 15, 2027 fixed
SUN FR 91 Obligasi/ 15 April/ 6.38% tetap/ SUN FR 91
Bonds April 15, 2032 fixed
SUN FR 95 Obligasi/ 15 Agustus/ 6.38% tetap/ SUN FR 95
Bonds Agustus 15, 2028 fixed
SUN FR 96 Obligasi/ 15 Februari/ 7.00% tetap/ SUN FR 96
Bonds February 15, 2033 fixed
SUN FR 98 Obligasi/ 15 Juni/ 7.13% tetap/ SUN FR 98
Bonds Juny 15, 2038 fixed
SUN FR 100 Obligasi/ 15 Februari/ 6.63% tetap/ SUN FR 100
Bonds 15-Feb-34 fixed
SUN FR 101 Obligasi/ 15 April/ 6.88% tetap/ SUN FR 101
Bonds 15-Apr-29 fixed
INDON 28 Obligasi/ 11 Januari/ 3.50% tetap/ INDON 28
Bonds January 11, 2028 fixed
INDON 31 Obligasi/ 12 Maret/ 1.85% tetap/ INDON 31
Bonds March 12, 2031 fixed
INDON 31 Obligasi/ 28 Juli/ 2.15% tetap/ INDON 31
Bonds July 28, 2031 fixed
INDON 32 Obligasi/ 31 Maret/ 3.55% tetap/ INDON 32
Bonds March 31, 2032 fixed
INDON 32 Obligasi/ 20 September/ 4.65% tetap/ INDON 32
Bonds September 20, 2032 fixed
SR014 Obligasi/ 10 Maret/ 5.47% tetap/ SR014
Bonds March 10, 2024 fixed
SR015 Obligasi/ 10 September/ 5.10% tetap/ SR015
Bonds September 10, 2024 fixed
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Page 757
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Bagi Hasil
Per Tahun/
Tanggal Annual
Penerbit Jenis/ Jatuh Tempo/ Interest Rate/ Issuer
Rupiah Type Maturity Date Profit Sharing Rupiah
SR016 Obligasi/ 10 Maret/ 4.95% tetap/ SR016
Bonds March 10, 2025 fixed
SR017 Obligasi/ 10 September/ 5.90% tetap/ SR017
Bonds September 10, 2025 fixed
ORI019 Obligasi/ 15 Februari/ 5.57% tetap/ ORI019
Bonds February 15, 2024 fixed
ORI020 Obligasi/ 15 Oktober/ 4.95% tetap/ ORI020
Bonds October 15, 2024 fixed
ORI021 Obligasi/ 15 Februari/ 4.90% tetap/ ORI021
Bonds February 15, 2025 fixed
ORI022 Obligasi/ 15 Oktober/ 5.95% tetap/ ORI022
Bonds October 15, 2025 fixed
SR018T3 Obligasi/ 10 Maret/ 6.25% tetap/ SR018T3
Bonds March 10, 2026 fixed
SRBI 050624 Obligasi/ 5 Juni/ 6.73% tetap/ SRBI 050624
Bonds June 5, 2024 fixed
SRBI 070624 Obligasi/ 7 Juni/ 6.75% tetap/ SRBI 070624
Bonds June 7, 2024 fixed
SRBI 190624 Obligasi/ 19 Juni/ 6.75% tetap/ SRBI 190624
Bonds June 19, 2024 fixed
SRBI 180924 Obligasi/ 18 September/ 6.85% tetap/ SRBI 180924
Bonds September 18, 2024 fixed
SVBI 220124 Obligasi/ 22 Januari/ 5.70% tetap/ SVBI 220124
Bonds January 22, 2024 fixed
SVBI 210324 Obligasi/ 21 Maret/ 5.76% tetap/ SVBI 210324
Bonds March 21, 2024 fixed
SVBI 310124 Obligasi/ 31 Januari/ 5.70% tetap/ SVBI 310124
Bonds January 31, 2024 fixed
e. Berdasarkan pemerintah dan bukan pemerintah e. By government and non-government
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pemerintah Government
Obligasi Negara 17,579,705 15,242,331 Government Bonds
Sukuk 201,552 2,000,227 Sukuk
Project Based Sukuk (PBS) 3,860,558 450,736 Project Based Sukuk (PBS)
Obligasi Retail Indonesia 21,881 172,098 Indonesia Retail Bonds
Subtotal 21,663,696 17,865,392 Subtotal
Korporasi Corporate
Reksadana 5,327,888 6,022,423 Mutual funds
Sukuk 2,656,969 1,905,824 Sukuk
Obligasi 988,232 1,292,016 Bonds
Medium Term Notes 147,318 301,919 Medium Term Notes
SRBI (Sekuritas Rupiah Bank Indonesia) 116,416 - SRBI (Sekuritas Rupiah Bank Indonesia)
SVBI (Sekuritas Valas Bank Indonesia) 76,448 - SVBI (Sekuritas Valas Bank Indonesia)
Subtotal 9,313,271 9,522,182 Subtotal
Total 30,976,967 27,387,574 Total
Cadangan kerugian penurunan nilai (11,357) (5,256) Allowance for impairment losses
Net 30,965,610 27,382,318 Net
f. Tingkat suku bunga rata-rata per tahun f. Average interest rates per annum
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Obligasi Bonds
Rupiah 6.10% 6.00% Rupiah
Dolar Amerika Serikat 2.40% 2.20% United States Dollar
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Page 758
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
g. Perubahan nilai tercatat bruto g. Movement in the gross carrying amount
Perubahan nilai tercatat bruto adalah The movement in the gross carrying amount
sebagai berikut: are as follow:
31 Desember/December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Nilai tercatat bruto awal 27,387,574 - - - 27,387,574 Initial gross carrying amount
Aset baru 6,173,059 - - - 6,173,059 New assets originated
Aset dihentikan
pengakuannya atau Assets derecognized
dilunasi (kecuali or repaid (exclude
hapus buku) (1,211,132) - - - (1,211,132) write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali (1,347,552) - - - (1,347,552) Remeasurement
Valuta asing dan Forign exchange and
perubahan lain (24,982) - - - (24,982) other movement
Nilai tercatat bruto akhir 30,976,967 - - - 30,976,967 Ending gross carrying amount
31 Desember/December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Nilai tercatat bruto awal 16,978,900 - - - 16,978,900 Initial gross carrying amount
Aset baru 15,571,230 - - - 15,571,230 New assets originated
Aset dihentikan
pengakuannya atau Assets derecognized
dilunasi (kecuali or repaid (exclude
hapus buku) (5,305,493) - - - (5,305,493) write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali 114,619 - - - 114,619 Remeasurement
Valuta asing dan Forign exchange and
perubahan lain 28,318 - - - 28,318 other movement
Nilai tercatat bruto akhir 27,387,574 - - - 27,387,574 Ending gross carrying amount
h. Perubahan cadangan kerugian penurunan h. Movements in the allowance for impairment
nilai losses
31 Desember/December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Saldo awal 5,256 - - - 5,256 Beginning balance
Aset Baru 22,806 - - - 22,806 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi or repaid (exclude
(kecuali hapus buku) (16,705) - - - (16,705) write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali - - - - -- Remeasurement
Penghapusbukuan - - - - - Write off
Valuta asing dan Foreign exchange and
perubahan lain - - - - - other movement
Saldo akhir 11,357 - - - 11,357 Ending balance
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Page 759
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Saldo awal 5,917 - - - 5,917 Initial balance
Aset Baru 4,822 - - - 4,822 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi or repaid (exclude
(kecuali hapus buku) (1,363) (1,363) write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali (4,120) - - - (4,120) Remeasurement
Penghapusbukuan - - - - - Write off
Valuta asing dan Foreign exchange and
perubahan lain - - - - - other movement
Saldo akhir 5,256 - - - 5,256 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the above allowance
cadangan kerugian penurunan nilai di atas for impairment losses is adequate.
telah memadai.
Informasi mengenai klasifikasi aset keuangan Information with respect to classification of
yang mengalami penurunan nilai dan tidak impaired and not impaired of financial assets
mengalami penurunan nilai diungkapkan pada are disclosed in Note 46.
Catatan 46.
i. Berdasarkan kolektibilitas i. By collectibility
Kolektibilitas surat berharga pada tanggal The collectibility of securities as of
31 Desember 2023 dan 2022 adalah lancar. December 31, 2023 and 2022 is current.
Bank dan entitas anak mengakui kerugian atas The Bank and its subsidiaries recognized loss
penjualan surat berharga sebesar Rp23.164 on sale of marketable securities Rp23,164 and
dan Rp92.808 untuk tahun yang berakhir pada Rp92,808 for the year ended December 31,
31 Desember 2023 dan 2022 yang disajikan 2023 and 2022 which is presented in the other
dalam akun "Kerugian dari penjualan surat operating expense as "Loss on sale marketable
berharga yang diperdagangkan - neto" di securities measured at fair value through profit
beban operasional lainnya (Catatan 37). or loss - net" (Note 37).
Nilai pasar surat berharga yang diklasifikasikan As of December 31, 2023 and 2022, the market
sebagai nilai wajar melalui laba rugi (FVPL) values of securities classified as fair value
pada tanggal 31 Desember 2023 dan 2022, through profit or loss (FVPL) ranging from
masing-masing berkisar antara 97,97% sampai 97.97% to 105.42% dan 93.04% to 100.82%,
dengan 105,42% dan 93,04% sampai dengan respectively.
100,82%.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022 no
tidak ada surat berharga yang digunakan marketable securities that are used as collateral.
sebagai agunan.
10. Tagihan atas Efek-Efek yang Dibeli dengan 10. Receivable from Marketable Securities
Janji Dijual Kembali Purchased Under Agreements to Resell
Pada posisi 31 Desember 2023 Bank tidak As of December 31, 2023, the Bank does not have
memiliki portfolio efek-efek yang dibeli dengan janji a portfolio of securities purchased with resell
dijual kembali. agreement.
Efek-efek yang dibeli dengan janji dijual kembali Marketable securities purchased under
pada tanggal 31 Desember 2022 adalah sebagai agreements to resell as of December 31, 2022 are
berikut: as follows:
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Page 760
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31 , 2022
Beban Bunga
Tanggal Harga yang Belum
Jenis Surat Nilai Tanggal Pembelian Pembelian Diamortisasi/ Nilai
Berharga/ Nominal/ Dimulai/ Kembali/ Kembali/ Unamortized Tercatat/
Counterpart Type of Nominal Commencement Repurchase Repurchase Interest Carrying
Securities Amount Date Date Price Expense Value
Bank Indonesia
VR0062 6,900 29 Des/ 5 Jan/ 6,571 4 6,567
Dec 29, 2022 Jan 5, 2023
VR0035 743,100 29 Des/ 5 Jan/ 711,421 434 710,987
Dec 29, 2022 Jan 5, 2023
VR0035 750,000 29 Des/ 5 Jan/ 718,028 438 717,590
Dec 29, 2022 Jan 5, 2023
VR0035 750,000 30 Des/ 6 Jan/ 718,171 548 717,623
Dec 30, 2022 Jan 6, 2022
VR0035 250,000 30 Des/ 6 Jan/ 239,391 183 239,208
Dec 30, 2022 Jan 6, 2022
VR0045 750,000 29 Des/ 12 Jan/ 694,753 1,222 693,531
Dec 29, 2022 Jan 12, 2023
VR0045 250,000 29 Des/ 12 Jan/ 231,584 407 231,177
Dec 29, 2022 Jan 12, 2023
VR0036 750,000 30 Des/ 13 Jan/ 719,014 1,380 717,634
Dec 30, 2022 Jan 13, 2023
VR0036 750,000 30 Des/ 13 Jan/ 719,014 1,380 717,634
Dec 30, 2022 Jan 13, 2023
VR0036 500,000 30 Des/ 13 Jan/ 479,343 920 478,423
Dec 30, 2022 Jan 13, 2023
VR0067 250,000 30 Des/ 29 Des/ 254,606 16,065 238,541
Dec 30, 2022 Dec 29, 2023
Total 5,750,000 5,491,896 22,981 5,468,915
Efek-efek yang dibeli dengan janji dijual kembali Marketable securities purchased under
diklasifikasikan lancar pada tanggal agreements to resell as of December 31, 2023 and
31 Desember 2023 dan 2022. 2022, are classified as current.
11. Wesel Ekspor dan Tagihan Lainnya 11. Bills and Other Receivables
a. Berdasarkan jenis, mata uang dan hubungan a. By type, currency, and relationship
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pihak ketiga Third parties
Rupiah Rupiah
Open Account Financing 122,060 199,873 Open Account Financing
Wesel Ekspor 140,529 172,935 Bills
Trade Financing - 25,886 Trade Financing
Surat Keterangan Berdokumen Dalam Negeri 2,737 8,709 Domestic Document Letter of Credit
Forfaiting - 5,982 Forfaiting
Supply Chain Financing 378,006 - Supply Chain Financing
Dolar Amerika Serikat United States Dollar
Surat Keterangan Berdokumen dalam Negeri 38,293 5,075 Domestic Document Letter of Credit
Forfaiting 8,349 6,609 Forfaiting
Trade Financing - 418,757 Trade Financing
Total 689,974 843,826 Total
Cadangan kerugian penurunan nilai (351) - Allowance for impairment losses
Net 689,623 843,826 Net
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Page 761
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Berdasarkan kolektibilitas b. By collectibility
Seluruh wesel ekspor dan tagihan lainnya All bills and other receivables as of December
diklasifikasikan lancar pada tanggal 31 31, 2023 and 2022, are classified as current.
Desember 2023 dan 2022.
Bank melakukan penilaian wesel ekspor dan Bank assessed bills and other receivables with
tagihan lainnya secara kolektif dengan respect collectively for impairment using
menggunakan bukti objektif atas penurunan objective evidence of impairment.
nilai.
Management believes that the above allowance
Manajemen berpendapat bahwa jumlah for impairment losses is adequate.
cadangan kerugian penurunan nilai yang
dibentuk telah memadai.
c. Tingkat suku bunga rata-rata per tahun c. Average interest rates per annum
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah 4.00% 5.50% Rupiah
Dolar Amerika Serikat 1.50% 1.50% United States Dollars
Informasi mengenai jatuh tempo wesel ekspor Information with respect to maturities of bills and
dan tagihan lainnya diungkapkan pada Catatan other receivables is disclosed in Note 48.
48.
12. Kredit yang Diberikan 12. Loans
a. Berdasarkan hubungan, jenis, dan mata uang a. By relationship, type, and currency
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currencies Rupiah/ currencies Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Pihak berelasi (Catatan 43) Related parties (Note 43)
Rupiah Rupiah
Modal kerja 528,103 345,644 Working capital
Karyawan 115,539 101,293 Employees
Investasi 61,479 15,261 Investment
Konsumsi 4,822 3,444 Consumer
Program pemerintah 305 508 Government programs
710,248 466,150
Pihak ketiga Third parties
Rupiah Rupiah
Konsumsi 77,662,217 72,456,149 Consumer
Modal kerja 27,046,559 24,437,785 Working capital
Sindikasi 2,463,320 3,617,948 Syndicated
Investasi 2,023,987 1,543,727 Investment
Program pemerintah 3,153,558 2,634,668 Government programs
Karyawan 2,723,894 2,007,101 Employees
115,073,535 106,697,378
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Page 762
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currencies Rupiah/ currencies Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Dolar Amerika Serikat United States Dollar
Modal kerja 20,023,409 307,940 70,834,998 1,102,724 Working capital
Sindikasi 13,547,432 208,346 4,717,528 73,440 Syndicated
516,286 1,176,164
115,589,821 107,873,542
Total 116,300,069 108,339,692 Total
Cadangan kerugian Allowance
penurunan nilai (1,913,951) (1,631,811) for impairment losses
Neto 114,386,118 106,707,881 Net
b. Berdasarkan kolektibilitas b. By collectibility
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Pokok/ Cadangan/ Pokok/ Cadangan/
Principal Allowance Principal Allowance
Individual Individual
Dalam perhatian khusus 1,325,209 99,876 -- -- Special mention
Kurang lancar 259,923 96,243 12,950 3,468 Substandard
Diragukan 42,251 24,799 12,379 10,089 Doubtful
Macet 377,653 262,510 355,431 333,652 Loss
Kolektif Collective
Lancar 110,736,522 502,850 104,904,715 424,957 Current
Dalam perhatian khusus 2,521,763 447,362 2,083,481 396,916 Special mention
Kurang lancar 55,342 14,860 132,110 26,603 Substandard
Diragukan 134,266 38,848 85,618 29,415 Doubtful
Macet 847,140 426,603 753,008 406,711 Loss
Total 116,300,069 1,913,951 108,339,692 1,631,811 Total
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Page 763
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Berdasarkan sektor ekonomi c. By economic sector
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Perdagangan 9,531,189 9,141,167 Trading
Konstruksi 6,934,581 7,300,299 Construction
Pengangkutan dan pergudangan 4,710,398 345,372 Transportation and warehousing
Pertanian 1,684,033 1,440,600 Farming
Jasa-jasa dunia usaha 876,390 245,216 Business services
Jasa-jasa sosial 538,524 190,430 Social services
Listrik, gas, dan air 615,373 85,420 Electricity, gas, and water
Industri 486,276 5,828,120 Industry
Pertambangan 104,383 877,866 Mining
Lain-lain 90,818,922 82,885,202 Others
Total 116,300,069 108,339,692 Total
Cadangan kerugian Allowance
penurunan nilai (1,913,951) (1,631,811) for impairment losses
Neto 114,386,118 106,707,881 Net
Rincian kredit yang diberikan kepada sektor The details of loans granted to “Others” are as
ekonomi “Lain-lain” adalah sebagai berikut: follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Guna Bhakti 27,646,404 27,081,257 Guna Bhakti
Pra Purna Bhakti 6,752,973 7,472,033 Pra Purna Bhakti
Purna Bhakti 9,710,314 8,779,618 Purna Bhakti
Lain-lain 46,709,231 39,552,294 Others
Total 90,818,922 82,885,202 Total
• Kredit Guna Bhakti merupakan • Guna Bhakti loan is a loan facility granted to
pembiayaan yang diberikan oleh Bank debtors with regular, whose salaries have
untuk debitur berpenghasilan tetap yang been channeled through the Bank and/or
gajinya telah disalurkan melalui Bank where the debtor’s employees have had a
dan/atau tempat debitur bekerja telah cooperation agreement with the Bank based
memiliki perjanjian Kerja Sama dengan on which the sources of repayments will be
Bank dimana sumber pengembaliannya derived from the debtor’s salaries used for
berasal dari gaji debitur yang digunakan consumptive purposes.
untuk keperluan konsumtif.
• Kredit Pra Purna Bhakti merupakan • Pra Purna Bhakti loan is a multipurpose
pembiayaan multiguna yang diberikan oleh financing provided by Bank for debtors with
Bank untuk debitur dengan status sebagai the status of a fixed income active
pegawai aktif berpenghasilan tetap yang employee who will retire until the debtor is
akan memasuki masa pensiun sampai retired, whose salary is paid when active
dengan debitur menjalani masa pensiun, employees has been channeled through
yang gajinya pada saat pegawai aktif Bank or not via Bank. The source of the
dibayarkan melalui Bank atau belum return on credit can be derived from the
melalui Bank. Sumber pengembalian debtor's salary / Old Age Savings benefits /
kredit tersebut dapat berasal dari gaji other retirement benefits when active
debitur/manfaat Tabungan Hari employees and pension benefits has been
Tua/manfaat pensiun lainnya pada saat channeled through Bank when the debtor is
pegawai aktif dan manfaat pensiun yang retired.
disalurkan melalui Bank pada saat debitur
pensiun.
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Page 764
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
• Kredit Purna Bhakti merupakan • The Purna Bhakti loan is financing provided
pembiayaan yang diberikan oleh Bank by the Bank to a debtor who has retired or
untuk debitur dengan status pensiunan his widow/her widower pension salary has
sendiri atau pensiunan janda/duda yang been channeled based on which the
gaji pensiunnya telah disalurkan melalui sources of repayments will be derived from
Bank di mana sumber pengembaliannya the debtor’s salaries used for consumptive
berasal dari gaji pensiun debitur yang purposes.
digunakan untuk keperluan konsumtif.
• Pembayaran kredit tersebut di atas • Loan repayments are mostly collected
sebagian besar dilakukan melalui through monthly salary deducted by the
pemotongan gaji bulanan oleh Bank. Bank.
d. Berdasarkan periode sisa jatuh tempo d. By remaining period to maturity
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currency Rupiah/ currency Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount ) Rupiah full amount ) Rupiah
Rupiah Rupiah
≤ 1 tahun 20,524,143 18,782,580 ≤ 1 year
> 1 - 5 tahun 30,146,139 28,846,395 > 1 - 5 years
> 5 - 10 tahun 29,819,420 27,584,297 > 5 - 10 years
> 10 tahun 35,294,081 31,950,256 > 10 years
115,783,783 107,163,528
Dolar Amerika Serikat United States Dollar
≤ 1 tahun -- -- 70,834,998 1,102,724 ≤ 1 year
> 1 - 5 tahun 20,023,409 307,940 -- -- > 1 - 5 years
>5 - 10 Tahun 13,547,432 208,346 4,717,528 73,440 >5 - 10 Tahun
516,286 1,176,164
Total 116,300,069 108,339,692 Total
Cadangan kerugian Allowance
penurunan nilai (1,913,951) (1,631,811) for impairment losses
Neto 114,386,118 106,707,881 Net
e. Berdasarkan jangka waktu perjanjian kredit e. By term of credit agreements
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currency Rupiah/ currency Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount ) Rupiah full amount ) Rupiah
Rupiah Rupiah
≤ 1 tahun 14,792,982 14,122,677 ≤ 1 year
> 1 - 5 tahun 27,278,657 25,383,622 > 1 - 5 years
> 5 - 10 tahun 28,548,417 27,111,488 > 5 - 10 years
> 10 tahun 45,163,727 40,545,741 > 10 years
115,783,783 107,163,528
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Page 765
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currency Rupiah/ currency Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount ) Rupiah full amount ) Rupiah
Dolar Amerika Serikat United States Dollar
> 1 - 5 tahun 20,023,409 307,940 70,834,998 1,102,724 > 1 - 5 years
> 5 - 10 tahun 13,547,432 208,346 4,717,528 73,440 > 5 - 10 years
516,286 1,176,164
Total 116,300,069 108,339,692 Total
Cadangan kerugian Allowance
penurunan nilai (1,913,951) (1,631,811) for impairment losses
Neto 114,386,118 106,707,881 Net
f. Tingkat suku bunga rata-rata per tahun f. Average interest rates per annum
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah 12.11% 12.15% Rupiah
Dolar Amerika Serikat 6.84% 2.27% United States Dollar
g. Kredit non-performing berdasarkan sektor g. Non-performing loans by economic sector
ekonomi
31 Desember/ 31 Desember/
December 31, 2023 December 31, 2022
Kredit non- Cadangan kerugian Kredit non- Cadangan kerugian
performing/ penurunan nilai/ performing/ penurunan nilai/
Non - Allowance Non - Allowance
performing for impairment performing for impairment
loans losses loans losses
Rupiah Rupiah
Konstruksi 654,872 371,884 397,318 291,119 Construction
Perdagangan 24,621 19,057 282,248 174,120 Trading
Industri 41,965 23,985 28,499 18,226 Industry
Pertanian 33,669 12,581 20,134 13,881 Farming
Jasa dunia usaha 417,500 277,449 20,526 17,547 Business services
Pertambangan 3,413 3,156 2,427 2,416 Mining
Jasa-jasa sosial 657 294 3,383 3,192 Social services
Pengangkutan dan Transportation and
pergudangan 80 73 468 224 warehousing
Lain-lain 539,798 155,384 596,493 289,213 Others
Total 1,716,575 863,863 1,351,496 809,938 Total
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Page 766
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Rasio non-performing loans - kotor adalah Non-performing loans - gross ratios are 1.48%
1,48% dan 1,25% masing-masing pada tanggal and 1.25% as of December 31, 2023 and 2022,
31 Desember 2023 dan 2022. respectively.
Rasio non-performing loans - bersih adalah Non-performing loans - net ratios are 0.67% and
0,67% dan 0,73% masing-masing pada tanggal 0.73% as of December 31, 2023 and 2022,
31 Desember 2023 dan 2022. respectively.
Rasio non-performing loans - kotor (entitas Non-performing loans - gross ratios (parent
induk) adalah 1,35% dan 1,16% masing- only) are 1.35% and 1.16% as of December 31,
masing pada tanggal 31 Desember 2023 dan 2023 and 2022, respectively.
2022.
Rasio non-performing loans - bersih (entitas Non-performing loans - net ratios (parent only)
induk) adalah 0,75% dan 0,47% masing- are 0.75% and 0.47% as of December 31, 2023
masing pada tanggal 31 Desember 2023 dan and 2022, respectively.
2022.
h. Kredit yang direstrukturisasi h. Restructured loans
Kredit yang direstrukturisasi pada tanggal Restructured loans as of December 31, 2023
31 Desember 2023 dan 2022 masing-masing and 2022 amounted to Rp6,383,421 and
adalah sebesar Rp6.383.421 dan Rp5,454,172, respectively. Details of the
Rp5.454.172. Rincian kredit yang restructured loans are as follows:
direstrukturisasi adalah sebagai berikut:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Perpanjangan jangka waktu Extension of loan period
dan penyesuaian suku bunga 483,961 459,794 and interest rate adjustment
Perpanjangan jangka waktu kredit 880,384 913,812 Extension of loan period
Perpanjangan jangka waktu kredit Extension of loan period
dan skema lain 5,019,076 4,080,566 and other schemes
Total 6,383,421 5,454,172 Total
Rincian kredit yang direstrukturisasi Restructured loans by collectibility and
berdasarkan kolektibilitas dan sektor ekonomi economic sector are as follows:
adalah sebagai berikut:
31 Desember/December 31, 2023
Dalam
perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Macet/
Current mention Substandard Doubtful Loss Total
Konstruksi 2,851,832 31,906 - 1,227 21,678 2,906,643 Construction
Perdagangan 616,565 36,095 48 2,574 12,745 668,027 Trading
Industri 280,661 15,786 59 2,171 11,952 310,629 Industry
Jasa-jasa dunia usaha 134,030 4,941 - 2,762 - 141,733 Business services
Pengangkutan dan Transportation and
pergudangan 92,192 - - 259 - 92,451 warehousing
Jasa-jasa sosial 43,527 275 4,997 - 836 49,635 Social services
Pertanian 40,077 5,808 - 735 98 46,718 Farming
Pertambangan 8,087 - - - - 8,087 Mining
Listrik, Gas, dan Air 3,254 3,047 - - - 6,301 Electricity, Gas and Water
Lain-lain 1,939,165 155,482 43,918 3,948 10,684 2,153,197 Others
Total 6,009,390 253,340 49,022 13,676 57,993 6,383,421 Total
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Page 767
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Dalam
perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Macet/
Current mention Substandard Doubtful Loss Total
Konstruksi 1,107,986 40,502 88,973 - 28,437 1,265,898 Construction
Perdagangan 809,451 60,008 1,662 7,987 46,646 925,754 Trading
Industri 212,093 570,599 10 519 12,723 795,944 Industry
Jasa-jasa dunia usaha 99,377 3,106 - - 61,527 164,010 Business services
Pengangkutan dan Transportation and
pergudangan 116,961 56,263 - - 143 173,367 warehousing
Jasa-jasa sosial 112,664 - - 390 - 113,054 Social services
Pertanian 117,837 18,712 - 115 1,114 137,778 Farming
Pertambangan 40,616 - - 2,576 - 43,192 Mining
Listrik, Gas, dan Air 6,538 - - - - 6,538 Electricity, Gas and Water
Lain-lain 1,344,923 266,247 18,916 13,743 184,808 1,828,637 Others
Total 3,968,446 1,015,437 109,561 25,330 335,398 5,454,172 Total
Pembiayaan dan piutang syariah yang The restructured sharia financing and receivable
direstrukturisasi sampai dengan 31 Desember up to December 31, 2023 and 2022 is
2023 dan 2022 sebesar Rp695.992 dan Rp695,992 and Rp230,902 for Sharia financing
Rp230.902 terhadap pembiayaan dan piutang and receivables in accordance with the
Syariah sesuai dengan ketentuan OJK dan provisions of the OJK and internal Bank BJB
internal Bank BJB Syariah (entitas anak). Syariah (subsidiary).
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the Bank
Bank dan entitas anak telah melakukan and its subsidiaries has restructured credit for
restrukturisasi kredit untuk debitur yang debtors affected by the Covid-19 pandemic in
terdampak pandemi Covid-19 sesuai dengan accordance with POJK No. 17/POJK.03/2021
POJK No. 17/POJK.03/2021 tentang regarding the changes of POJK No.
perubahan atas 48/POJK.03/2020 dan POJK 48/POJK.03/2020 and POJK No.
No. 11/POJK.03/2020 “Stimulus 11/POJK.03/2020, “National Economic Stimulus
Perekonomian Nasional sebagai kebijakan as countercyclical Policy Impact of
countercyclical Dampak Penyebaran Coronavirus Disease spread 2019” dated
Coronavirus Disease 2019” September 10, 2021 and Decree of the Board of
tertanggal 10 September 2021 dan Surat Commissioners of the Financial Services
keputusan Dewan Komisioner Otoritas Jasa Authority Number 34/KDK.03/2022 concerning
Keuangan Nomor 34/KDK.03/2022 Tentang the Determination of the Accommodation and
Penetapan Sektor Penyediaan Akomodasi Food and Drink Provision Sector, the Textile
Dan Penyediaan Makan Minum, Sektor and Textile Products and Footwear Sector, the
Tekstil Dan Produk Tekstil Serta Alas Kaki, Micro, Small and Medium Enterprises Segment,
Segmen Usaha Mikro, Kecil, Dan Menengah, and Bali Province as Sectors and Regions that
Serta Provinsi Bali Sebagai Sektor Dan Require Special Treatment For Bank Credit or
Daerah Yang Memerlukan Perlakuan Khusus Financing
Terhadap Kredit Atau Pembiayaan Bank.
i. Perubahan nilai tercatat bruto i. Movement in the gross carrying amount
Perubahan nilai tercatat bruto adalah sebagai The movement in the gross carrying amount are
berikut: as follow:
31 Desember/December 31 , 2023
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 102,221,615 3,561,315 2,556,762 108,339,692 Beginning balance
Transfer ke kerugian kredit ekspektasian Transferred to 12 month expected
12 bulan (Stage 1) 3,947,776 (1,370,368) (2,577,408) - credit losses (Stage 1)
Transfer ke kerugian kredit ekspektasian Transferred to lifetime expected
sepanjang umurnya (Stage 2) (454,461) 3,354,482 (1,456,781) 1,443,240 credit losses (Stage 2)
Transfer ke kredit yang mengalami
penurunan nilai (Stage 3) (987,324) (1,676,454) 2,663,778 - Transferred to credit impaired (Stage 3)
Penyisihan (pembalikan) cadangan kerugian Provision (reversal) of allowance
penurunan nilai selama tahun berjalan 3,552,438 1,272,158 2,276,288 7,100,884 impairment losses during the year
Penghapusbukuan - - (534,057) (534,057) Written-off
Lain-lain (24,178) (25,512) - (49,690) Others
Saldo akhir 108,255,866 5,115,621 2,928,582 116,300,069 Ending balance
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Nilai lain-lain pada perubahan nilai tercatat Another value in the change in gross carrying
bruto merupakan nilai kredit yang diberikan value is the credit value given for the disposal of
atas pelepasan PT BPR Karya Utama Jabar PT BPR Karya Utama Jabar as a subsidiary.
sebagai entitas anak.
31 Desember/December 31 , 2022
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 93,118,267 962,585 1,732,194 95,813,046 Beginning balance
Transfer ke kerugian kredit ekspektasian Transferred to 12 month expected
12 bulan (Stage 1) 119,930 (129,362) (4,334) (13,766) credit losses (Stage 1)
Transfer ke kerugian kredit ekspektasian Transferred to lifetime expected
sepanjang umurnya (Stage 2) (1,476,240) 1,484,055 (7,815) - credit losses (Stage 2)
Transfer ke kredit yang mengalami
penurunan nilai (Stage 3) (1,584,973) (186,412) 1,771,385 - Transferred to credit impaired (Stage 3)
Penyisihan (pembalikan) cadangan kerugian Provision (reversal) of allowance
penurunan nilai selama tahun berjalan 11,880,489 1,430,449 (547,949) 12,762,989 impairment losses during the year
Penghapusbukuan - - (386,719) (386,719) Written-off
Lain-lain 164,142 - - 164,142 Others
Saldo akhir 102,221,615 3,561,315 2,556,762 108,339,692 Ending balance
j. Perubahan cadangan kerugian penurunan j. Movements in the allowance for impairment
nilai losses
31 Desember/December 31 , 2023
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 246,186 499,257 886,368 1,631,811 Beginning balance
Transfer ke kerugian kredit ekspektasian Transferred to 12 month expected
12 bulan (Stage 1) 61,684 (21,412) (40,272) - credit losses (Stage 1)
Transfer ke kerugian kredit ekspektasian Transferred to lifetime expected
sepanjang umurnya (Stage 2) (6,783) 28,526 (21,743) - credit losses (Stage 2)
Transfer ke kredit yang mengalami
penurunan nilai (Stage 3) (12,658) (21,493) 34,151 - Transferred to credit impaired (Stage 3)
Penyisihan (pembalikan) cadangan kerugian Provision (reversal) of allowance
penurunan nilai selama tahun berjalan 101,197 132,858 652,299 886,354 impairment losses during the year
Penghapusbukuan - - (399,499) (399,499) Written-off
Lain-lain (179,203) (25,512) - (204,715)
Saldo akhir 210,423 592,224 1,111,304 1,913,951 Ending balance
31 Desember/December 31 , 2022
Stage 1 Stage 2 Stage 3 Jumlah/Total
Saldo awal 383,131 92,580 1,333,661 1,809,372 Beginning balance
Transfer ke kerugian kredit ekspektasian Transferred to 12 month expected
12 bulan (Stage 1) (70,573) (12,746) (4,718) (88,037) credit losses (Stage 1)
Transfer ke kerugian kredit ekspektasian Transferred to lifetime expected
sepanjang umurnya (Stage 2) (27,285) 104,365 (77,080) - credit losses (Stage 2)
Transfer ke kredit yang mengalami
penurunan nilai (Stage 3) (37,505) (20,398) 60,854 2,951 Transferred to credit impaired (Stage 3)
Penyisihan (pembalikan) cadangan kerugian Provision (reversal) of allowance
penurunan nilai selama tahun berjalan (17,996) 335,456 (39,630) 277,830 impairment losses during the year
Penghapusbukuan - - (386,719) (386,719) Written-off
Lain-lain 16,414 - - 16,414 Others
Saldo akhir 246,186 499,257 886,368 1,631,811 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the allowance for
cadangan kerugian penurunan nilai yang impairment losses is adequate to cover possible
dibentuk cukup untuk menutup kerugian yang losses arising from uncollectible loans.
mungkin timbul akibat tidak tertagihnya kredit
yang diberikan.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
k. Informasi pokok lainnya sehubungan dengan k. Other significant information relating to loans
kredit yang diberikan
1) Kredit yang diberikan dijamin dengan 1) Loans are secured by deposits, collateral
deposito, agunan yang diikat dengan hak bound by hypothecation or a power of
tanggungan atau surat kuasa untuk menjual attorney to sell and other collateral
dan jaminan lain yang umumnya diterima commonly accepted by banks.
oleh perbankan.
2) Kredit konsumsi terdiri dari kredit pemilikan 2) Consumer credit consists of housing,
rumah, kredit kendaraan bermotor, dan vehicles, and other personal loans.
kredit perorangan lainnya.
3) Kredit Program Pemerintah terdiri atas 3) Government Program Loans consist of
Kredit Usaha Tani, Kredit Koperasi Primer Agricultural Business Loans, Primary and
dan Anggotanya, dan Kredit Pengusaha Member Cooperative Loans, and Small
Kecil dan Mikro. and Micro Business Loans.
4) Kredit Karyawan atau Kredit Abdi Bhakti 4) Loans Employee or Loan Abdi Bhakti
(KAB) adalah kredit yang diberikan kepada (KAB) is credit given to employees for
pegawai untuk tujuan multiguna dengan multipurpose purposes with an average
rata-rata tingkat bunga sebesar 6,5% dan interest rate of 6.5% and a maximum
jangka waktu maksimal 20 tahun. Pinjaman period of 20 years. The loan and interest
dan bunganya dilunasi melalui pemotongan are repaid through salary deductions
gaji setiap bulan. every month.
5) Pada tanggal 31 Desember 2023 dan 2022, 5) As of December 31, 2023 and 2022, the
Bank dan entitas anak memenuhi Bank and its subsidiaries complied with
ketentuan Bank Indonesia tentang Batas the Legal Lending Limit (LLL)
Maksimum Pemberian Kredit (BMPK). requirements of Bank Indonesia.
6) Rasio kredit UMKM terhadap kredit yang 6) The ratio of UMKM credit to total loans
diberikan adalah 10,56% dan 10,95% are 10.56% and 10.95% as of December
masing-masing pada tanggal 31 Desember 31, 2023 and 2022, respectively.
2023 dan 2022.
7) Keikutsertaan Bank dan entitas anak dalam 9) 7) The Bank and its subsidiaries’
pinjaman sindikasi dengan bank lain adalah participation in syndicated loans with
sebesar Rp2.463.320 dan Rp3.691.388 other banks amounted to Rp2,463,320
masing-masing pada tanggal 31 Desember and Rp3,691,388 as of December 31,
2023 dan 2022. Partisipasi Bank dan 2023 and 2022, respectively. The Bank
entitas anak dalam pinjaman sindikasi and its subsidiaries’ participation in
tersebut berkisar antara 2,22% – 32,00% syndicated loans ranged between 2.22%
dan 2,22% – 32,00% pada tanggal 31 – 32.00% and 2.22% - 32.00% as of
Desember 2023 dan 2022 (tidak diaudit). December 31, 2023 and 2022,
8) Kredit yang telah dihapusbukukan oleh respectively (unaudited).
Bank dan entitas anak dicatat sebagai 8) The loans written off by the Bank and its
bagian dari rekening administratif. subsidiaries are recorded as part of
administrative accounts.
9) Giro yang diblokir dan dijadikan jaminan 9) Current accounts blocked and pledged
atas kredit yang diberikan, pembiayaan dan as loan, sharia financing and receivables
piutang syariah pada tanggal 31 Desember collateral as of December 31, 2023 and
2023 dan 2022 masing-masing sebesar 2022 amounted to Rp1,466,333 and
dan Rp1.466.333 dan Rp1.663.090 Rp1,663,090, respectively (Note 20d).
(Catatan 20d).
10) Deposito yang diblokir dan dijadikan 10) Time deposits blocked and pledged as
jaminan atas kredit yang diberikan, loan, sharia financing and receivables
pembiayaan dan piutang syariah pada collateral as of December 31, 2023 and
tanggal 31 Desember 2023 dan 2022 2022 amounted to Rp677,349 and
masing-masing sebesar Rp677.349 dan Rp528,916, respectively (Note 20e).
Rp528.916 (Catatan 20e).
11) Deposito dari bank lain yang diblokir dan 11) Time deposits from other banks blocked
dijadikan jaminan atas kredit yang diberikan and pledged as loan and and receivable
pada 31 Desember 2023 dan 2022 masing- collateral as of December 31, 2023 and
masing sebesar Rp346.587 dan 504.652 2022 amounted to Rp346,587 dan
(Catatan 21d). Rp504,652, respectively (Note 21d).
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Page 770
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
12) Pada 31 Desember 2023, Bank telah 12) As of December 31, 2023, the Bank has
melakukan Perjanjian Kerja Sama dengan entered into Cooperation Agreements
PT Asuransi Bangun Askrida, PT Jamkrida with PT Asuransi Bangun Askrida, PT
Jabar, PT Asuransi Central Asia, PT Jamkrida Jabar, PT Asuransi Central
Asuransi Tugu Pratama Indonesia, Tbk., PT Asia, PT Asuransi Tugu Pratama
Asuransi Jasaraharja Putera, dan PT Indonesia, Tbk., PT Asuransi Jasaraharja
Jamkrindo Syariah untuk Asuransi Kredit Putera, and PT Jamkrindo Syariah for
Mikro, Komersial, Lembaga Keuangan Micro Credit Insurance, Commercial,
Mikro dan Korporasi. Sementara Bank telah Microfinance Institutions And
melakukan kerja sama dengan PT Asuransi Corporations. Meanwhile the Bank has
Kredit Indonesia untuk Kredit Usaha Rakyat collaborated with PT Asuransi Kredit
(KUR), Kerja Sama dengan Lembaga Indonesia for Kredit Usaha Rakyat
Pembiayaan Ekspor Indonesia untuk (KUR), collaborated with the Indonesian
Penjaminan Kredit dan PT Jaminan Kredit Eximbank for Credit Guarantees and
Indonesia untuk Kredit Skema Subsidi Resi collaborated with PT Jaminan Kredit
Gudang. Untuk penutupan Asuransi Indonesia for Kredit Skema Subsidi Resi
Kerugian Agunan, Bank bekerja sama Gudang. For the closure of Collateral
dengan PT Asuransi Bangun Askrida, PT Loss Insurance, the Bank cooperates
Asuransi Cakrawala Proteksi Indonesia, with PT Asuransi Bangun Askrida, PT
PT Asuransi Tugu Pratama Indonesia Tbk, Asuransi Cakrawala Proteksi Indonesia,
PT Asuransi Sinar Mas, PT Asuransi Tugu Pratama Indonesia,
PT Asuransi Dayin Mitra Tbk, dan PT Tbk., PT Asuransi Sinar Mas, PT
Asuransi Central Asia. Bank juga bekerja Asuransi Dayin Mitra Tbk. and PT
sama dengan Perusahaan Pialang Asuransi Central Asia. The Bank also
Asuransi PT Brocade Insurance Broker, PT works with Insurance Brokerage
Nusantara Insurance Broker & Consultant, Companies PT Brocade Insurance
PT Estika Jasatama, Broker, PT Nusantara Insurance Broker
PT Fresnel Perdana Mandiri serta PT & Consultant, PT Estika Jasatama, PT
Trasmi Pialang Asuransi d/h PT Grasia Fresnel Perdana Mandiri and PT Trasmi
Media Utama dalam mengelola Pialang Asuransi in managing coverage
pertanggungan pada segmen Kredit in the Consumer Credit and Retail Credit
Konsumer dan Kredit Ritel, segments, PT Brocade Insurance Broker,
PT Brocade Insurance Broker, dan PT and PT Nusantara Insurance Broker &
Nusantara Insurance Broker & Consultant, Consultant, for Main Micro Credit as well
untuk Kredit Mikro Utama serta PT as PT Nusantara Insurance Broker &
Nusantara Insurance Broker & Consultant Consultant and PT Trasmi Broker
dan PT Trasmi Pialang Asuransi d/h PT Asuransi in managing coverage in the
Grasia Media Utama dalam mengelola KPR Credit segment.
pertanggungan pada segmen Kredit KPR.
13) Bank telah menandatangani Perjanjian 13) The Bank entered into an agreement with
Kerja Sama Pembiayaan Kredit Multiguna PT Bank Pembangunan Daerah
dengan PT Bank Pembangunan Daerah Sulawesi Utara dan Gorontalo (BPD
Sulawesi Utara dan Gorontalo (BPD SulutGo) to provide Kredit Multiguna
SulutGo) dengan bentuk penerusan loans in the form of channeling as
(channeling) sebagaimana tertuang dalam notarized in the Notarial Deed No. 40
Akta Notaris Herdimansyah Chaidirsyah, dated November 13, 2015 of
S.H. No. 40 tanggal 13 November 2015. Herdimansyah Chaidirsyah, S.H.
Dalam kerja sama ini, Bank memberikan Under the agreement, the Bank gives
kuasa kepada BPD SulutGo untuk authority to BPD SulutGo to provide
menyalurkan fasilitas kredit, credit facilities, to sign the credit
menandatangani perjanjian kredit dan agreement and collateral binding
pengikatan jaminan masing-masing debitur, agreement of each debtors, to execute
melaksanakan hak Bank sehubungan the Bank’s right relating to guarantees
dengan jaminan dan melakukan penagihan and to receive repayment of the credit
pembayaran fasilitas kredit oleh debitur. facility by the debtors.
Maksimum fasilitas dalam rangka kerja The maximum amount of the facility
sama ini adalah sebesar Rp500.000 amounted to Rp500,000 with the period
dengan jangka waktu kerja sama dan of the agreement and fund withdrawal for
penarikan dana maksimal 12 bulan sejak 12 months since the date the agreement
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
perjanjian ditandatangani. Sampai dengan was signed. Up to December 31, 2023
tanggal 31 Desember 2023 dan 2022, and 2022, the total realization of the loan
jumlah realisasi penyaluran kredit channeling amounted to Rp6,501 which
channeling adalah masing-masing sebesar consisted of 81 debtors and Rp9,789
Rp6.501 yang terdiri dari 81 debitur dan which consisted of 109 debtors,
Rp9.789 yang terdiri dari 109 debitur. respectively.
14) Bank telah melakukan pembelian kredit 14) The Bank purchased loans from PT Bank
PT Bank Pembangunan Daerah Sulawesi Pembangunan Daerah Sulawesi Tengah
Tengah (BPD Sulteng) sebagaimana (BPD Sulteng) based on the agreement
tertuang dalam Perjanjian Kerja Sama between the Bank and BPD Sulteng
antara Bank dan BPD Sulteng sesuai which was notarized under Notarial Deed
dengan Akta Notaris Popy Kuntari No. 4 dated February 26, 2015 of Popy
Sutresna, S.H., M.Hum., No.4 tanggal 26 Kuntari Sutresna, S.H., M.Hum., Sales
Februari 2015. Perjanjian Jual Beli Piutang Agreement No.5 dated February 26,
No. 5 tanggal 26 Februari 2015 dan 2015 and Cessie Agreement No. 6 dated
Perjanjian Pengalihan Piutang No. 6 February 26, 2015.
tanggal 26 Februari 2015.
Jumlah komitmen pembelian kredit ini The total commitment of the loans
adalah sebesar Rp250.000. Pada tanggal purchased amounted to Rp250,000. As
31 Desember 2023 dan 2022, jumlah of December 31, 2023 and 2022, the
realisasi pembelian kredit adalah masing- total realization of the loans purchased
masing sebesar Rp1.457 yang terdiri dari amounted to Rp1,457 which consisted of
32 debitur dan Rp2.515 yang terdiri dari 49 32 debtors and Rp2,515 which consisted
debitur. of 49 debtors, respectively.
Transaksi pembelian kredit tersebut The loans purchase transaction is a non
merupakan transaksi without recourse. recourse transaction. All rights,
Semua hak, kepemilikan dan kepentingan ownership and interests of the loans are
atas kredit telah dialihkan kepada Bank dan transferred to the Bank and the Bank
Bank memperoleh seluruh keuntungan dan obtains all benefits and risks on the loan.
kerugian yang timbul dari kredit tersebut.
Dalam hal terjadi tunggakan dari debitur, When the debtors’ default, BPD Sulteng
BPD Sulteng secara aktif berkewajiban is obliged to conduct the collection
untuk melakukan penagihan kepada debitur procedures from the debtors on behalf of
untuk kepentingan Bank sesuai prosedur the Bank in accordance with the
yang berlaku. applicable procedures.
Kredit tersebut merupakan Kredit Multiguna These loans are Multiguna loans which
yang disalurkan oleh BPD Sulteng kepada are provided by BPD Sulteng for active
pegawai negeri sipil aktif di lingkungan government employees of province and
Pemerintah Daerah Provinsi Sulawesi municipalities/ regencies in the province
Tengah dan Kabupaten/Kota se-Provinsi of Sulawesi Tengah with criteria of
Sulawesi Tengah, dengan kriteria antara among others:
lain:
(a) maksimum plafon kredit sebesar Rp200 (a) maximum credit limit of Rp200 per
per debitur, (b) memiliki kolektibilitas debtor, (b) collectibility 1 (one)/current,
1 (satu)/lancar, (c) jangka waktu (c) period of loan is adjusted for each
disesuaikan dengan jangka waktu kredit debtor to a maximum of 12 (twelve)
setiap debitur maksimal 12 (dua belas) years since purchase date, (d) Debtors
tahun sejak tanggal pengalihan (d) Debitur transferred are the debtor whose salary
yang dialihkan adalah debitur yang gajinya has been channeled through the BPD
telah disalurkan melalui BPD Sulteng. Sulteng.
Setelah pengalihan kredit tersebut, BPD After the purchase of loans, BPD Sulteng
Sulteng akan bertindak sebagai agen acts an agent, or the party which
pengelolaan, atau pihak yang mengelola manages the payment from debtors and
pembayaran dari debitur dan administers the debtor’s loan documents
mengadministrasikan dokumen kredit based on deed No. 7 dated February 26,
debitur sebagaimana tertuang dalam Akta 2015 of Popy Kuntari Sutresna, S.H.,
Notaris Popy Kuntari Sutresna, S.H., M.Hum., regarding receivable
M.Hum., No. 7 tanggal 26 Februari 2015 management agreement between Bank
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
tentang Perjanjian Pengelolaan Piutang and BPD Sulteng. For the services
antara Bank dan BPD Sulteng. Atas jasa rendered, BPD Sulteng will receive a fee
pengelolaan piutang tersebut, BPD Sulteng at 20% of every debtor interest obligation
mendapat imbalan sebesar 20% dari setiap paid by BPD Sulteng and received by the
liabilitas bunga debitur yang telah disetor Bank.
oleh BPD Sulteng dan diterima oleh Bank.
15) Bank telah melakukan pembelian Kredit 15) The Bank has purchased the Credit of
PT Bank Pembangunan Daerah Sulawesi the Southeast Sulawesi Regional
Tenggara (BPD Sultra) sebagaimana Development Bank (BPD Sultra) as
tertuang dalam Perubahan Perjanjian Kerja stated in the Amendment to the
Sama antara Bank dan BPD Sultra sesuai Cooperation Agreement between the
dengan Akta Notaris Yenni Yunithawati Southeast Sulawesi Bank and BPD in
Rukmana, S.H., No. 98 tanggal 28 accordance with Notarial Deed Yenni
Desember 2018, Akta Notaris Ida Bagus Yunithawati Rukmana, SH, No. 98 dated
Sidi Mantra, S.H., M.Kn., No.465 tanggal 28 December 28, 2018, Ida Bagus Sidi
Juli 2017 dan Akta Notaris Popy Kuntari Mantra's Notary Deed , S.H., M.Kn.,
Sutresna, S.H., M.Hum., No. 2 tanggal 16 No.465 dated July 28, 2017 and Notary
Juni 2015. Perjanjian Jual Beli Piutang No. Deed Popy Kuntari Sutresna, S.H.,
3 tanggal 16 Juni 2015 dan Perjanjian M.Hum., No. 2 June 16, 2015.
Pengalihan Piutang No. 4 tanggal 16 Juni Receivable Sale and Purchase
2015. Jumlah komitmen pembelian piutang Agreement No. 3 dated June 16, 2015
ini adalah sebesar Rp300.000. Pada and Accounts Receivable Transfer
tanggal 31 Desember 2023 dan 2022, Agreement No. 4 dated June 16, 2015.
jumlah realisasi pembelian piutang adalah The total commitment to purchase these
masing-masing sebesar Rp1.163 yang receivables is Rp300,000. As of
terdiri dari 40 debitur dan Rp1.879 yang December 31, 2023 and 2022, the total
terdiri dari 70 debitur. realized purchases of receivables
amounted to Rp1,163 consisting of 40
debtors and Rp1,879 consisting of 70
debtors, respectively.
Transaksi pembelian kredit tersebut The loans purchase transaction is a non-
merupakan transaksi without recourse. recourse transaction. All rights,
Semua hak, kepemilikan, dan kepentingan ownership and interests of the loans are
atas kredit telah dialihkan kepada Bank dan transferred to the Bank and the Bank
Bank memperoleh seluruh keuntungan dan obtains all benefits and risks on the loan.
kerugian yang timbul dari kredit tersebut.
Setelah pembelian kredit tersebut, BPD After the loan purchase, BPD Sultra will
Sultra akan bertindak selaku pihak yang act as the party that collects debtors,
melakukan penagihan kepada debitur, maintains and administers bills in an
memelihara dan mengadministrasikan orderly manner for the Bank's interests
tagihan secara tertib untuk kepentingan and deposits for payments received from
Bank, dan melakukan penyetoran atas debtors in the form of installments,
pembayaran yang diterima dari debitur baik interest and/or other liabilities which are
berupa angsuran, bunga dan/atau liabilitas included in the Bank's rights. in the event
lainnya yang menjadi hak Bank termasuk of an expedited payment by the debtor to
dalam hal terjadinya pembayaran the Southeast Sulawesi BPD holding
dipercepat oleh debitur ke rekening account at BJB Bank, no later than two
penampung BPD Sultra di Bank BJB, subsequent working days from receipt of
selambat-lambatnya dua hari kerja payment from the debtor. For the
berikutnya sejak diterimanya pembayaran accounts receivable management
dari debitur. Atas jasa pengelolaan piutang services, the Southeast Sulawesi BPD
tersebut, BPD Sultra mendapat imbalan receives 30% of each debtor interest
sebesar 30% dari setiap liabilitas bunga liability that has been deposited by the
debitur yang telah disetor oleh BPD Sultra Southeast Sulawesi BPD and received
dan diterima oleh Bank. by the Bank.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
13. Pembiayaan dan Piutang Syariah 13. Sharia Financing and Receivables
Pembiayaan dengan prinsip syariah seluruhnya All sharia financing were granted in rupiah
diberikan dalam mata uang rupiah. currency.
a. Berdasarkan jenis dan kolektibilitas a. By type and collectibility
Dalam
Perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Macet/ Total/
31 Desember 2023 Current mention Substandard Doubtful Loss Total December 31, 2023
Pihak Berelasi (Catatan 43) Related parties (Note 43
Konsumsi 10,881 - - - - 10,881 Consumption
Pihak ketiga Third parties
Konsumsi 5,222,019 225,539 5,629 4,684 89,645 5,547,516 Consumption
Modal kerja 1,569,154 64,212 - 92 175,728 1,809,186 Working capital
Investasi 1,369,806 27,075 - 317 13,333 1,410,531 Investment
Total 8,171,860 316,826 5,629 5,093 278,706 8,778,114 Total
Cadangan kerugian Allowance for
penurunan nilai (35,235) (11,468) (118) (670) (169,455) (216,946) impairment losses
Neto 8,136,625 305,358 5,511 4,423 109,251 8,561,168 Net
Dalam
Perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Macet/ Total/
31 Desember 2022 Current mention Substandard Doubtful Loss Total December 31, 2022
Pihak Berelasi (Catatan 43) Related parties (Note 43)
Konsumsi 29,437 - - - - 29,437 Consumption
Pihak ketiga Third parties
Konsumsi 4,746,781 134,793 11,048 5,587 58,610 4,956,819 Consumption
Modal kerja 1,001,868 89,824 165 - 123,928 1,215,785 Working capital
Investasi 1,164,810 33,336 142 292 15,287 1,213,867 Investment
Total 6,942,896 257,953 11,355 5,879 197,825 7,415,908 Total
Cadangan kerugian Allowance for
penurunan nilai (24,622) (12,834) (446) (594) (121,379) (159,875) impairment losses
Neto 6,918,274 245,119 10,909 5,285 76,446 7,256,033 Net
b. Berdasarkan jenis akad b. By type of agreement
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Murabahah 5,271,424 4,571,830 Murabahah
Musyarakah 3,091,178 2,464,254 Musyarakah
Mudharabah 308,388 271,492 Mudharabah
Qardh 106,646 107,729 Qardh
Istishna 478 603 Istishna
Total 8,778,114 7,415,908 Total
Cadangan kerugian
penurunan nilai (216,946) (159,875) Allowance for impairment losses
Neto 8,561,168 7,256,033 Neto
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Berdasarkan sektor ekonomi c. By economic sector
Dalam
Perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Macet/ Total/
31 Desember 2023 Current mention Substandard Doubtful Loss Total December 31, 2023
Industri 319,221 - - 92 1,936 321,249 Industry
Perdagangan 384,217 8,513 - 317 7,461 400,508 Trading
Jasa-jasa sosial 629,585 2,140 - - 5,584 637,309 Social services
Listrik, gas dan air 79,857 - - - - 79,857 Electricity, gas, and water
Pertanian 17,073 18,544 - - 2,076 37,693 Farming
Jasa dunia usaha 335,868 2,001 - - 92,646 430,515 Business services
Pengangkutan dan Transportation
pergudangan 306,211 19,352 - - 28,824 354,387 and warehousing
Konstruksi 451,441 40,612 - - 50,273 542,326 Constructions
Pertambangan 106,083 124 - - 109 106,316 Mining
Lain-lain 5,542,304 225,540 5,629 4,684 89,797 5,867,954 Others
Total 8,171,860 316,826 5,629 5,093 278,706 8,778,114 Total
Cadangan kerugian Allowance
penurunan nilai (35,235) (11,468) (118) (670) (169,455) (216,946) for impairment losses
Neto 8,136,625 305,358 5,511 4,423 109,251 8,561,168 Net
Dalam
Perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Macet/ Total/
31 Desember 2022 Current mention Substandard Doubtful Loss Total December 31, 2022
Industri 232,738 138 - - 2,940 235,816 Industry
Perdagangan 216,150 2,702 307 158 10,622 229,939 Trading
Jasa-jasa sosial 577,605 87 - - 6,066 583,758 Social services
Listrik, gas dan air 55,705 - - - - 55,705 Electricity, gas, and water
Pertanian 28,390 15 - - 2,253 30,658 Farming
Jasa dunia usaha 427,449 44,743 - - 72,053 544,245 Business services
Pengangkutan dan - Transportation
pergudangan 349,422 53,090 - - - 402,512 and warehousing
Konstruksi 214,228 22,384 - - 45,141 281,753 Constructions
Pertambangan 88,516 - - 134 140 88,790 Mining
Lain-lain 4,752,693 134,794 11,048 5,587 58,610 4,962,732 Others
Total 6,942,896 257,953 11,355 5,879 197,825 7,415,908 Total
Cadangan kerugian Allowance
penurunan nilai (24,622) (12,834) (446) (594) (121,379) (159,875) for impairment losses
Neto 6,918,274 245,119 10,909 5,285 76,446 7,256,033 Net
d. Berdasarkan periode sisa jatuh tempo d. By remaining period to maturity
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah Rupiah
< 1 tahun 1,300,636 1,092,907 < 1 year
> 1 - 5 tahun 2,379,504 1,831,861 > 1 - 5 years
> 5 - 10 tahun 2,432,236 1,974,142 > 5 - 10 years
> 10 tahun 2,665,738 2,516,998 > 10 years
Total 8,778,114 7,415,908 Total
Cadangan Allowance
kerugian penurunan nilai (216,946) (159,875) for impairment losses
Neto 8,561,168 7,256,033 Net
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
e. Berdasarkan jangka waktu perjanjian kredit e. By term of credit agreements
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah Rupiah
< 1 tahun 848,940 574,943 < 1 year
> 1 - 5 tahun 1,949,470 974,960 > 1 - 5 years
> 5 - 10 tahun 2,425,031 2,041,277 > 5 - 10 years
> 10 tahun 3,554,673 3,824,728 > 10 years
Total 8,778,114 7,415,908 Total
Cadangan Allowance
kerugian penurunan nilai (216,946) (159,875) for impairment losses
Neto 8,561,168 7,256,033 Net
f. Kisaran marjin dan setara bagi hasil per tahun f. Range of margin and equivalent revenue
adalah sebagai berikut: sharing per annum are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah 5% - 58% 5% - 56% Rupiah
g. Pembiayaan syariah non-performing g. Non-performing sharia financing by economic
berdasarkan sektor ekonomi sector
31 Desember/December 31 , 2023 31 Desember/December 31, 2022
Cadangan Cadangan
kerugian kerugian
Kredit non - penurunan Kredit non - penurunan
performing/ nilai/ performing/ nilai/
Non - Allowance Non - Allowance
performing for impairment performing for impairment
loans losses loans losses
Pengangkutan dan Transportation and
pergudangan 28,824 (21,525) 11,088 (5,856) warehousing
Pertambangan 108 (49) Mining
Industri 2,028 (595) 2,940 (1,553) Industry
Perdagangan 7,778 (1,595) - - Trading
Konstruksi 50,273 (30,080) 45,141 (23,841) Constructions
Jasa dunia usaha 92,798 (69,995) 72,053 (38,055) Business services
Jasa-jasa sosial 5,584 (848) 6,066 (3,204) Social services
Pertanian 2,077 (1,378) 2,253 (1,190) Farming
Listrik, gas Electricity, gas
dan air - - - and water
Lain-lain 99,958 (44,178) 75,518 (48,721) Others
Total 289,428 (170,243) 215,059 (122,420) Total
Pada tanggal 31 Desember 2023 dan 2022,
\ As of December 31, 2023 and 2022, non-
rasio pembiayaan syariah non-performing - performing sharia financing ratios - gross to
kotor terhadap jumlah pembiayaan syariah total sharia financing are 3.30% and 2.90%,
masing-masing sebesar 3,30% dan 2,90%. respectively.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, non-
rasio pembiayaan syariah non-performing - performing sharia financing ratios - net to total
neto terhadap jumlah pembiayaan syariah sharia financing are 1.69% and 1.25%,
masing-masing sebesar 1,69% dan 1,25%. respectively.
Approval for Printing paraf:
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
h. Perubahan cadangan kerugian penurunan h. Movements in the allowance for impairment
nilai losses
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Saldo awal 159,875 129,348 Beginning balance
Penyisihan selama tahun berjalan 140,393 67,568 Provision during the year
Pembalikan selama tahun berjalan (56,515) (89,440) Reversal during the year
Penghapusbukuan selama
tahun berjalan (45,006) (5,785) Write-offs during the year
Penerimaan kembali pembiayaan Recovery from loans
yang telah dihapus buku 18,199 58,184 written-off
Saldo akhir 216,946 159,875 Ending balance
Manajemen berpendapat bahwa jumlah cadangan Management believes that the allowance for
kerugian penurunan nilai yang dibentuk cukup impairment losses is adequate to cover possible
untuk menutup kerugian yang mungkin timbul losses arising from uncollectible sharia financing.
akibat tidak tertagihnya pembiayaan syariah yang
diberikan.
14. Tagihan dan Liabilitas Akseptasi 14. Acceptances Receivable and Payable
a. Tagihan akseptasi a. Acceptance receivable
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pihak ketiga Third parties
Rupiah 217,837 185,493 Rupiah
Dolar Amerika Serikat 71,107 42,477 United States Dollar
Total 288,944 227,970 Total
Cadangan kerugian Allowance for
penurunan nilai (519) (2,374) impairment losses
Neto 288,425 225,596 Net
b. Liabilitas akseptasi b. Acceptance payable
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pihak ketiga Third parties
Rupiah 217,837 185,493 Rupiah
Dolar Amerika Serikat 71,107 42,477 United States Dollar
Total 288,944 227,970 Total
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Perubahan nilai tercatat bruto c. Movement in the gross carrying amount
Perubahan nilai tercatat bruto adalah sebagai The movement in the gross carrying amount are
berikut: as follow:
31 Desember/December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Nilai tercatat bruto awal 227,970 - - - 227,970 Initial gross carrying amount
Aset baru 288,944 - - - 288,944 New assets originated
Aset dihentikan
pengakuannya atau Assets derecognized
dilunasi (kecuali or repaid (exclude
hapus buku) (227,970) - - - (227,970) write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali - - - - -- Remeasurement
Valuta asing dan Foreign exchange and
perubahan lain - - - - -- other movement
Nilai tercatat bruto akhir 288,944 - - - 288,944 Ending gross carrying amount
31 Desember/December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Nilai tercatat bruto awal 163,983 - - - 163,983 Initial gross carrying amount
Aset baru 227,970 - - - 227,970 New assets originated
Aset dihentikan
pengakuannya atau Assets derecognized
dilunasi (kecuali or repaid (exclude
hapus buku) (163,983) - - - (163,983) write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali - - - - - Remeasurement
Valuta asing dan Foreign exchange and
perubahan lain - - - - - other movement
Nilai tercatat bruto akhir 227,970 - - - 227,970 Ending gross carrying amount
d. Perubahan cadangan kerugian penurunan nilai d. Movement in the allowance for impairment losses
31 Desember/December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Saldo awal 2,374 - - - 2,374 Initial balance
Aset Baru 519 - - - 519 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi or repaid (exclude
(kecuali hapus buku) (2,374) - - - (2,374) write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali - - - - -- Remeasurement
Penghapusbukuan - - - - - Write off
Valuta asing dan Foreign exchange and
perubahan lain - - - - - other movement
Ending balance 519 - - - 519 Ending balance
31 Desember/December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/
Total
Stage 1 Stage 2 Stage 3 Sharia
Saldo awal 1,616 - - - 1,616 Initial balance
Aset Baru 2,374 - - - 2,374 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi or repaid (exclude
(kecuali hapus buku) (1,616) - - - (1,616) write off)
Transfer ke Tahap 1 - - - - - Transfer to Stage 1
Transfer ke Tahap 2 - - - - - Transfer to Stage 2
Transfer ke Tahap 3 - - - - - Transfer to Stage 3
Pengukuran kembali - - - - - Remeasurement
Penghapusbukuan - - - - - Write off
Valuta asing dan Foreign exchange and
perubahan lain - - - - - other movement
Ending balance 2,374 - - - 2,374 Ending balance
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Page 778
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Informasi mengenai jatuh tempo tagihan dan Information with respect to maturities of
liabilitas akseptasi diungkapkan pada Catatan 48. acceptances receivable and payable is disclosed in
Note 48.
Bank melakukan penilaian tagihan akseptasi Bank assessed acceptances receivable individually
secara individual dengan menggunakan bukti for impairment using objective evidence of
objektif atas penurunan nilai. impairment.
Manajemen berpendapat bahwa jumlah cadangan Management believes that the above allowance for
kerugian penurunan nilai yang dibentuk telah impairment losses is adequate.
memadai.
Seluruh tagihan akseptasi yang dimiliki tanggal All of acceptances receivable as of
31 Desember 2023 dan 2022 diklasifikasikan December 31, 2023 and 2022, are classified as
sebagai lancar. current.
15. Penyertaan Saham 15. Investments in Shares
31 Desember/ December 2023
Persentase
kepemilikan/
Percentage
Total of ownership
BPR BPR
Kabupaten Subang 7,955 21% Subang Regency
Kabupaten Cianjur 2,816 10% Cianjur Regency
Kabupaten Serang 2,400 5% Serang Regency
Kabupaten Bogor 1,590 9% Bogor Regency
Kabupaten Indramayu 1,260 7% Indramayu Regency
Kabupaten Tangerang 1,050 1% Tangerang Regency
Kabupaten Bekasi 990 4% Bekasi Regency
Kabupaten Tasikmalaya 600 2% Tasikmalaya Regency
Kabupaten Majalengka 423 3% Majalengka Regency
Kabupaten Lebak 405 3% Lebak Regency
Kabupaten Ciamis 300 4% Ciamis Regency
Kabupaten Pandeglang 150 1% Pandeglang Regency
Lainnya Others
PT Bank Pembangunan Daerah Bengkulu 99,969 7% PT Bank Pembangunan Daerah Bengkulu
PT Asuransi Bangun Askrida 70,181 9% PT Asuransi Bangun Askrida
Total 190,089 Total
Cadangan Allowance for
kerugian penurunan nilai (1,303) impairment losses
Neto 188,786 Net
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ December 31, 2022
Persentase
kepemilikan/
Percentage
Total of ownership
BPR BPR
Kabupaten Cianjur 2,816 12% Cianjur Regency
Kabupaten Serang 2,400 5% Serang Regency
Kabupaten Bogor 1,590 9% Bogor Regency
Kabupaten Indramayu 1,260 11% Indramayu Regency
Kabupaten Tangerang 1,050 1% Tangerang Regency
Kabupaten Bekasi 990 6% Bekasi Regency
Kabupaten Tasikmalaya 600 4% Tasikmalaya Regency
Kabupaten Majalengka 423 5% Majalengka Regency
Kabupaten Lebak 405 4% Lebak Regency
Kabupaten Ciamis 300 7% Ciamis Regency
Kabupaten Pandeglang 150 2% Pandeglang Regency
Lainnya Others
PT Bank Pembangunan Daerah Bengkulu 99,969 7% PT Bank Pembangunan Daerah Bengkulu
PT Asuransi Bangun Askrida 30,140 11% PT Asuransi Bangun Askrida
Total 142,093 Total
Cadangan Allowance for
kerugian penurunan nilai (1,303) impairment losses
Neto 140,790 Net
a. PT Bank Pembangunan Daerah Bengkulu a. PT Bank Pembangunan Daerah Bengkulu
(Bank Bengkulu) (Bank Bengkulu)
Dalam rangka implementasi strategi dalam In order to implement the strategy in The
corporate plan Bank di bidang kolaborasi dan Bank's corporate plan in the field of
anorganik, Bank berencana untuk melakukan collaboration and inorganics, The Bank plans to
pengembangan struktur Kelompok Usaha Bank develop the structure of the Bank's Business
yang telah dimiliki. Adanya ketentuan Group that it already has. The existence of
mengenai modal inti minimum pada POJK No provisions regarding minimum core capital in
12 Tahun 2020 mengenai Konsolidasi Bank POJK No. 12 of 2020 concerning Commercial
Umum menimbulkan adanya kebutuhan dari Bank Consolidation has created a need for
beberapa Bank Pembangunan Daerah (BPD) several Regional Development Banks (BPD)
dengan modal inti dibawah 3 Triliun untuk with core capital below 3 trillion to join KUB.
bergabung ke dalam KUB. Dilatarbelakangi Against the background of these two things,
oleh dua hal tersebut, Bank selaku BPD The Bank as the largest BPD in Indonesia, took
terbesar di Indonesia, berinisiasi untuk the initiative to develop the KUB structure
mengembangkan struktur KUB melalui through capital participation in other BPDs.
penyertaan modal pada BPD lain.
b. PT Bank Pembangunan Daerah Bengkulu b. PT Bank Pembangunan Daerah Bengkulu
(Bank Bengkulu) (Bank Bengkulu)
Dalam rangka implementasi strategi dalam In order to implement the strategy in The Bank
corporate plan Bank di bidang kolaborasi dan 's corporate plan in the field of collaboration
anorganik, Bank berencana untuk melakukan and inorganics, The Bank plans to develop the
pengembangan struktur Kelompok Usaha Bank structure of the Bank's Business Group that it
yang telah dimiliki. Adanya ketentuan already has. The existence of provisions
mengenai modal inti minimum pada POJK No regarding minimum core capital in POJK No. 12
12 Tahun 2020 mengenai Konsolidasi Bank of 2020 concerning Commercial Bank
Umum menimbulkan adanya kebutuhan dari Consolidation has created a need for several
beberapa Bank Pembangunan Daerah (BPD) Regional Development Banks (BPD) with core
dengan modal inti dibawah 3 Triliun untuk capital below 3 trillion to join KUB. Against the
bergabung ke dalam KUB. Dilatarbelakangi background of these two things, The Bank as
oleh dua hal tersebut, Bank selaku BPD the largest BPD in Indonesia, took the initiative
terbesar di Indonesia, berinisiasi untuk to develop the KUB structure through capital
mengembangkan struktur KUB melalui participation in other BPDs.
penyertaan modal pada BPD lain.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Penyertaan Modal Tahap I c. Participation of Phase I Capital
Realisasi Pengembangan struktur KUB The realization of the development of the KUB
dilakukan dengan melakukan penyertaan structure was carried out by investing capital in
modal kepada PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah Bengkulu. In
Bengkulu. Sesuai dengan akta PKS accordance with the PKS deed of capital
Penyertaan Modal Dalam Rangka participation in the context of the formation of a
Pembentukan Kelompok Usaha Bank antara bank business group between The Bank and
Bank dan Bank Bengkulu no 135 tanggal 29 bank Bengkulu no. 135 dated 29 July 2022,
Juli 2022, penyertaan modal dilakukan melalui capital participation is carried out in 2 stages,
2 tahap, tahap I senilai maksimal Rp100.000 stage I with a maximum value of Rp.100,000
direalisasikan di tahun 2022 dan penyertaan realized in 2022 and stage capital participation
modal tahap II senilai maksimal Rp150.000 II with a maximum value of Rp150,000 will be
direlisasikan di tahun 2023. released in 2023.
Bank melakukan realisasi setoran modal tahap The Bank realized phase I capital deposits on
I pada tanggal 29 Juli 2022 sebesar Rp July 29 2022 amounting to Rp.100,000. The
100.000Pengefektifan setoran modal tahap I effectiveness of The Bank phase I capital
Bank pada Bank Bengkulu senilai Rp99,969 deposit at Bank Bengkulu worth Rp99,969 was
dilakukan pada tanggal 29 November 2022 carried out on November 29 2022 on the basis
atas dasar persetujuan OJK melalui surat no S- of OJK approval via letter no S-49/ KR.02/2022
49/KR.02/2022 tanggal 28 Oktober 2022 dated 28 October 2022 concerning Approval of
perihal Persetujuan Penyertaan Modal PT Capital Participation in PT Bank Pembangunan
Bank Pembangunan Daerah Jawa Barat dan Daerah West Java and Banten, Tbk. to PT
Banten, Tbk. kepada PT Bank Pembangunan Bank Pembangunan Daerah Bengkulu for the
Daerah Bengkulu untuk pembelian 2.617 purchase of 2,617 new series A shares (right
lembar saham seri A baru (right issue) dengan issue) with an agreement price of Rp.38/ share
harga kesepakatan senilai Rp.38 / lembar Sei A. Due to this capital participation, The
saham Sei A. Atas penyertaan modal tersebut Bank became a minority shareholder with an
Bank menjadi pemegang saham minoritas ownership percentage of 7.15%. Changes in
dengan prersentase kepemilikan 7,15%. the composition of shareholders in the articles
Perubahan komposisi pemegang saham dalam of association received approval from the
anggaran dasar memperoleh persetujuan Ministry of Law and Human Rights AHU-
Kemenkumham AHU-AH.01.03-0318833 di AH.01.03-0318833 on the same date as the
tanggal yang sama dengan penyertaan modal. capital participation.
d. Penyertaan Modal Tahap II d. Participation of Phase II Capital
Bank kembali melakukan realisasi proses The Bank is again carrying out the process of
penyertaan modal tahap II (subsequent) senilai capital participation in phase II (subsequent)
Rp149.960, di tahun 2023 pada Bank Bengkulu worth Rp.149,960, in 2023 at Bank Bengkulu in
dalam rangka pengembangan struktur the context of developing the structure of the
Kelompok Usaha Bank (KUB). Harga Bank Business Group (KUB) . The price per
perlembar saham yang disepakati kedua belah share agreed upon by both parties is Rp.40.75 /
pihak adalah Rp.40,75/ lembar saham Seri A. Series A share. Capital participation was
Penyertaan modal dilakukan dengan membeli carried out by purchasing new shares (right
saham baru (right issue) dengan proyeksi issue) with a projection of The Bank share
kepemilikan saham Bank di Bank Bengkulu ownership in Bank Bengkulu to be 15.57%
menjadi 15.57% (pembelian dilakukan untuk (purchase was made for 8.45% of Bank
8.45% saham Bank Bengkulu). Bengkulu shares).
Saat ini Bank telah mendapatkan persetujuan Currently The Bank has received OJK approval
OJK atas penyertaan modal tahap II melalui for phase II capital participation through OJK
surat OJK no S-57/KR.02/2023 Tanggal 4 letter no S-57/KR.02/2023 dated 4 September
September 2023 dan Keputusan Dewan 2023 and OJK Board of Commissioners Decree
Komisioner OJK no KEP-24/D.03/2024 tanggal no KEP-24/D.03/2024 dated 21 February 2024
21 Februari 2024 tentang Izin Pembelian concerning Permit to Purchase 8.45% of PT
8,45% Saham PT Bank Pembangunan Daerah Bank Pembangunan Daerah Bengkulu Shares
Bengkulu Oleh PT Bank Pembangunan Daerah by PT Bank Pembangunan Daerah West Java
Jawa Barat Dan Banten, Tbk. and Banten, Tbk.
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Page 781
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pengukuran Nilai Wajar (Level 3) Fair Value Measurement (Level 3)
Pada 31 Desember 2023, Bank menghitung nilai As of December 31, 2023, the Bank has assess
wajar atas penyertaan saham pada PT Asuransi the fair value of investment in shares in PT
Bangun Askrida dengan menggunakan Asuransi Bangun Askrida using the fair value
perhitungan metode nilai wajar (Level3) method calculation (Level3) using a market
menggunakan pendekatan pasar dengan metode approach using the Guideline Publicly Traded
Guideline Publicly Traded Company Method Company Method (GPTCM), and an income
(GPTCM) dan pendekatan pendapatan dengan approach using the discounted casl flow method,
metode discounted cash flow, model arus kas free cash flow to equity.
bersih untuk ekuitas
Nilai wajar penyertaan saham pada tanggal The fair value of equity investments on
31 Desember 2023 diestimasi berdasarkan December 31, 2023 is estimated based on an
penilaian atas nilai pasar oleh KJPP Salam dan assessment of market value by KJPP Salam and
Rekan (terdaftar di OJK). Partners (registered with the OJK).
a. Berdasarkan kolektibilitas a. By collectibility
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Lancar 179,461 139,843 Current
Kurang lancar 7,955 1,260 Substandard
Diragukan 1,413 - Doubtful
Macet 1,260 990 Loss
Total 190,089 142,093 Total
Cadangan kerugian Allowance
penurunan nilai (1,303) (1,303) for impairment losses
Neto 188,786 140,790 Net
b. Perubahan cadangan kerugian penurunan nilai b. Movements in the allowance for impairment
losses
Manajemen berpendapat bahwa jumlah Management believes that the allowance for
cadangan kerugian penurunan nilai di atas impairment losses mentioned above is
adalah cukup untuk menutup kerugian yang sufficient to cover impairment losses on
mungkin timbul atas penyertaan saham. investments in shares.
c. Penerimaan dividen dari penyertaan saham c. Dividend income received from investments in
pada PT Asuransi Bangun Askrida, PT Bank shares in PT Asuransi Bangun Askrida, PT
Pembangunan Daerah Bengkulu, dan BPR Bank Pembangunan Daerah Bengkulu, and
pada tanggal 31 Desember 2023 dan 2022 BPR as of December 31, 2023 and 2022, is
adalah Rp685 dan Rp5.960. amounting to Rp685 and Rp5,960, respectively.
16. Aset Tetap dan Aset Hak Guna 16. Fixed Assets and Right-of-Use Assets
31 Desember/December, 31 2023
Saldo Awal/ Saldo Akhir/
Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Revaluasi/ Ending
Balance Additions Disposals Reclassifications Revaluations Balance
Biaya perolehan/Nilai revaluasi Cost/Revaluation value
Kepemilikan langsung Direct ownership
Tanah 2,469,692 - (446) - (4,844) 2,464,402 Land
Bangunan 628,598 3,808 (1,452) 4,720 - 635,674 Buildings
Perlengkapan 1,908,311 279,198 (3,186) 150,397 - 2,334,720 Office equipment
Kendaraan 65,879 210 (6,436) - - 59,653 Vehicles
5,072,480 283,216 (11,520) 155,117 (4,844) 5,494,449
Aset dalam penyelesaian 737,461 206,328 (132) (155,117) - 788,540 Construction in progress
5,809,941 489,544 (11,652) - (4,844) 6,282,989
Aset Hak Guna 873,099 83,699 (14,387) - - 942,411 Right Of Use Assets
6,683,040 573,243 (26,039) - (4,844) 7,225,400
Akumulasi penyusutan Accumulated depreciation
Kepemilikan langsung Direct ownership
Bangunan (417,512) (25,318) 1,032 - - (441,798) Buildings
Perlengkapan (1,432,538) (268,498) 2,361 - - (1,698,675) Office equipment
Kendaraan (36,687) (5,621) 5,683 - - (36,625) Vehicles
(1,886,737) (299,437) 9,076 - - (2,177,098)
Aset Hak Guna (233,054) (34,142) 14,387 - - (252,809) Right-of-use assets
(2,119,791) (333,579) 23,463 - - (2,429,907)
Nilai buku neto 4,563,249
-2,119,791 4,795,493 Net book value
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Saldo Awal/ Saldo Akhir/
Beginning Penambahan/ Reklasifikasi/ Revaluasi/ Ending
Balance Additions Reclassifications Revaluations Balance
Biaya perolehan/Nilai revaluasi Cost/Revaluation value
Kepemilikan langsung Direct ownership
Tanah 2,447,183 55,531 - (33,022) 2,469,692 Land
Bangunan 625,682 - 2,916 - 628,598 Buildings
Perlengkapan 1,651,616 106,184 150,511 - 1,908,311 Office equipment
Kendaraan 64,851 1,028 - - 65,879 Vehicles
4,789,332 162,743 153,427 (33,022) 5,072,480
Aset dalam penyelesaian 624,235 315,698 (202,472) - 737,461 Construction in progress
5,413,567 478,441 (49,045) (33,022) 5,809,941
Aset Hak Guna 961,946 34,692 (123,539) - 873,099 Right Of Use Assets
6,375,513 513,133 (172,584) (33,022) 6,683,040
Akumulasi penyusutan Accumulated depreciation
Kepemilikan langsung Direct ownership
Bangunan (387,688) (29,824) - - (417,512) Buildings
Perlengkapan (1,228,862) (203,676) - - (1,432,538) Office equipment
Kendaraan (30,345) (6,342) - - (36,687) Vehicles
(1,646,895) (239,842) - - (1,886,737)
Aset Hak Guna (172,260) (65,086) 4,292 - (233,054) Right-of-use assets
(1,819,155) (304,928) 4,292 - (2,119,791)
Nilai buku neto 4,556,358 4,563,249 Net book value
Manajemen telah mengkaji ulang atas estimasi Management has reviewed the estimated
umur ekonomis, metode penyusutan, dan nilai economic life, depreciation method, and residual
residu pada setiap akhir periode pelaporan. value at the end of each reporting period.
Pada tahun 2023, termasuk didalam pengurangan In 2023, included in the disposals in fixed assets
aset tetap adalah dampak dari dekonsolidasi is the impact of the deconsolidation of the
entitas anak BPR KU sebesar nilai buku aset tetap subsidiary BPR KU, the book value of fixed
yaitu Rp2.444. assets amounting to Rp2,444.
Rincian penjualan aset tetap adalah sebagai Details of sale of fixed assets are as follows:
berikut:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Hasil penjualan aset tetap 1,293 - Proceeds from sale of fixed assets
Nilai buku - - Net book value
Laba penjualan aset tetap 1,293 - Gain on sale of fixed assets
Pengurangan aset pada posisi 31 Desember 2023 The asset reduction on December 31, 2023 is the
merupakan penjualan atas kendaraan sebesar sale of vehicles of Rp1,293.
Rp1.293.
Pada tahun 2023, berkaitan dengan pelepasan In 2023, according to BPR KU which is no longer
anak perusahaan BPR KU, Bank telah melakukan a subsidiary, the Bank has written off the fixed
hapus buku atas aset BPR KU sebesar nilai asset of BPR KU amounted to Rp2,444.
bukunya yaitu Rp2.444.
Pada tahun 2023, terdapat aset dalam proses yang In 2023, there are assets in progress that are
dibebankan pada laba rugi tahun berjalan sebesar charged to the current year profit or loss
Rp132. amounting to Rp132.
Aset Hak Guna Right of Use Assets
Aset Hak Guna 31 Desember/December 31, 2023
Saldo awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Saldo akhir/
Beginning Addition Deductions Reclassification Ending
balance balance
Biaya perolehan: Cost:
Tanah dan Bangunan 860,900 83,624 (14,387) - 930,137 Land and Building
Inventaris Kantor 12,199 75 - - 12,274 Office Inventory
873,099 83,699 (14,387) - 942,411
Akumulasi penyusutan: Accumulated depreciation:
Tanah dan Bangunan (232,259) (30,336) 14,387 - (248,208) Land and Building
Inventaris Kantor (795) (3,806) - - (4,601) Office Inventory
(233,054) (34,142) 14,387 - (252,809)
Nilai buku-neto 640,045 689,602 Net book value
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Saldo awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Saldo akhir/
Beginning Addition Deductions Reclassification Ending
balance balance
Biaya perolehan: Cost:
Tanah dan Bangunan 826,208 34,692 - - 860,900 Land and Building
Inventaris Kantor 135,738 - - (123,539) 12,199 Office Inventory
961,946 34,692 - (123,539) 873,099
Akumulasi penyusutan: Accumulated depreciation:
Tanah dan Bangunan (167,173) (65,086) - - (232,259) Land and Building
Inventaris Kantor (5,087) - - 4,292 (795) Office Inventory
(172,260) (65,086) - 4,292 (233,054)
Nilai buku-neto 789,686 640,045 Net book value
Bank dan entitas anak menyewa beberapa aset Bank and its subsidiaries had rent a number of
termasuk bangunan kantor, rumah dinas, mesin assets which include building, official houses, ATM
ATM, dan lain-lain. Rata-rata masa sewa adalah 5 machine, and others. The average of lease term is
(lima) tahun. 5 (five) years.
Jumlah penyusutan yang dibebankan pada beban Total depreciation expense charged to other
operasional lain sebesar Rp332.118 dan operating expenses amounted to Rp332,118 and
Rp304.928 masing-masing pada 31 Desember Rp304,928 as of December 31, 2023 and 2022,
2023 dan 2022 (Catatan 37). respectively (Note 37).
Pada tanggal 31 Desember 2023 dan 2022, jumlah As of December 31, 2023 and 2022, the carrying
tercatat liabilitas sewa adalah sebesar Rp512.507 amount of lease liabilities was Rp512,507 and
dan Rp448.901 (Catatan 28). Rp448,901 (Note 28), respectively.
Berikut ini ringkasan komponen liabilitas sewa The following summarize the component of lease
yang disajikan pada laporan laba rugi dan laporan liabilities presented in statement of profit or loss
arus kas: and astatement of cash flows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Jumlah diakui di laba rugi Amounts recognized in profir or loss
Beban bunga atas liabilitas sewa 39,194 43,663 Interest expense on lease liabilities
Beban penyusutan aset hak guna 34,142 60,794 Depreciation of right of use assets
Beban terkait liabilitas sewa dengan 240,160 251,291 Expenses relating to short-term or
nilai rendah atau jangka pendek (Catatan 37) low value lease liabilities (Note 37)
Jumlah diakui dalam laporan arus kas Amounts recognized in cashflow
Jumlah kas keluar untuk Total cash outflow
pembayaran liabilitas sewa (78,954) (41,109) for payment of leases
Persentase tingkat penyelesaian aset dalam The percentage of completion of the constructions
penyelesaian pada tanggal 31 Desember 2023 dan in progress as of December 31, 2023 and 2022 is
2022 berkisar antara 34% sampai dengan 96% approximately 34% to 96% and 92% to 98%. The
dan 92% sampai dengan 98%. Estimasi estimated completion date is in 2024.
penyelesaian yaitu pada tahun 2024.
Nilai tercatat bruto dari aset tetap yang telah di The gross carrying amount of the Bank and its
depresiasi penuh oleh Bank dan entitas anak subsidiaries’ fully depreciated fixed assets that are
namun masih digunakan adalah sebesar still in use amounted to Rp1,270,548 and
Rp1.270.548 dan Rp1.079.759 masing-masing Rp1,079,759 as of December 31, 2023 and 2022,
pada tanggal 31 Desember 2023 dan 2022. respectively.
Bank telah mengasuransikan aset tetap untuk The Bank has insured its fixed assets to cover
menutupi kemungkinan kerugian terhadap risiko possible losses due to fire, theft, and natural
kebakaran, pencurian, dan bencana alam dengan disasters as of December 31, 2023 and 2022 for a
nilai pertanggungan asuransi per 31 Desember total coverage of Rp1,662,969 and Rp1,663,642,
2023 dan 2022 sebesar Rp1.662.969 dan respectively, with PT Asuransi Bangun Askrida,
Rp1.663.642 pada PT. Asuransi Bangun Askrida, PT Asuransi Tugu Pratama Indonesia, and PT
PT Asuransi Tugu Pratama Indonesia, dan Asuransi Cakrawala Proteksi.
PT Asuransi Cakrawala Proteksi.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Manajemen berpendapat bahwa jumlah Management believes that the insurance coverage
pertanggungan asuransi tersebut telah memadai is sufficient to cover possible losses on these
untuk menutupi kemungkinan kerugian yang terjadi insured fixed assets.
atas aset tetap yang dipertanggungkan.
Manajemen berkeyakinan bahwa tidak terdapat Management believes that there is no indication of
indikasi penurunan potensial atas nilai aset tetap potential impairment in values of fixed assets as of
pada tanggal 31 Desember 2023 dan 2022. December 31, 2023 and 2022.
Tidak terdapat aset tetap yang dijaminkan oleh There are no fixed assets pledged as collateral by
Bank dan entitas anak pada tanggal 31 Desember the Bank and its subsidiaries as of December 31,
2023 dan 2022. 2023 and 2022.
Bank menerapkan kebijakan akuntansi atas tanah The Bank changed its accounting policy of land
dengan model revaluasi. Penilaian atas tanah revaluation model. The valuations of land are
dilakukan oleh penilai independen eksternal KJPP generally performed by the external independent
Jimmy Prasetyo dan Rekan melalui laporannya appraisers KJPP Jimmy Prasetyo dan Rekan
tanggal 16 November 2022 dan through its report dated, November 16, 2022 and
01 Desember 2023 dengan Audrey Angelina, December 01, 2023 with Audrey Angelina, MAPPI
MAPPI (Cert) selaku penilai independen (Cert) as the independent apprisal who signed the
penandatangan laporan. report.
Penilaian dilakukan sesuai dengan ketentuan- Appraisals are performed based on Indonesian
ketentuan dari Kode Etik Penilai Indonesia dan Appraisers Ethics Code and Indonesian Appraise
Standar Penilaian Indonesia (KEPI & SPI) serta Standards (KEPI & SPI) and POJK
POJK 28/POJK.04/2021 tentang Penilaian dan 28/POJK.04/2021 concerning Valuation and
Penyajian Laporan Penilaian Properti di Pasar Presentation of Property Valuation Reports in the
Modal, ditentukan berdasarkan transaksi pasar Capital Market market based on references from
terkini dan dilakukan dengan ketentuan-ketentuan recent market transactions and ensue within the
yang lazim dan menggunakan pendekatan clause.
penilaian.
Informasi mengenai penilaian kembali aset tetap Information on the revaluation of land performed by
untuk kelompok aset tanah yang dilakukan Bank Bank as follows:
adalah sebagai berikut:
31 Desember/December 31, 2023
Nilai Buku sebelum
Revaluasi/ Carrying Nilai Buku setelah Keuntungan/(Kerugian)
Amount Before Revaluasi/ Carrying Revaluasi/Revaluation
Revaluation Amount after Revaluation Surplus/(Deficit)
Tanah 2,469,692 2,464,848 (4,844) Land
31 Desember/December 31, 2022
Nilai Buku sebelum
Revaluasi/ Carrying Nilai Buku setelah Keuntungan/(Kerugian)
Amount Before Revaluasi/ Carrying Revaluasi/Revaluation
Revaluation Amount after Revaluation Surplus/(Deficit)
Tanah 2,436,670 2,469,692 (33,022) Land
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Penilaian kembali tanah milik Bank pada tanggal Revaluation of land owned by Bank as
31 Desember 2023 dan 2022 untuk tujuan December 31, 2023 and 2022 for accounting
akuntansi dilakukan oleh KJPP Jimmy Prasetyo purposes are generally performed by the external
dan Rekan melalui laporannya tanggal independent appraisers KJPP Jimmy Prasetyo dan
2 November 2023 dan 16 November 2022. Rekan through its report dated November 2, 2023
Masing-masing revaluasi berjumlah Rp2.464.848 and November 16, 2022. Revaluation are
dan Rp2.469.692, keuntungan/(kerugian) yang amounting to Rp 2,464,848 and Rp2,469,692, the
diperoleh sejumlah (Rp4.844) dan (Rp33.022). profit/(loss) is amounting to (Rp4,844) and
Kenaikan/(penurunan) nilai tercatat yang timbul (Rp33,022). Increase/(decrease) in the carrying
dari revaluasi dicatat sebagai “Surplus/(Defisit) amount arising from revaluation is recorded in
Revaluasi Aset Tetap”, dan disajikan dalam “Surplus/(deficit) on Revaluation of Fixed Asset”
penghasilan komprehensif lain. Penilaian atas aset and presented in other comprehensive income.
tersebut dilakukan secara berkala untuk Valuations are performed with sufficient regularity
memastikan bahwa nilai wajar aset yang to ensure that the fair value of revalued asset does
direvaluasi tidak berbeda secara material dengan not differ materialy from its carrying amount.
nilai tercatatnya.
Aset dalam penyelesaian per 31 Desember 2023 Constuction in progress as of December 31, 2023
dan 2022 adalah sebagai berikut: and 2022 as follow:
31 Desember/December 31, 2023
Estimasi
Nilai Aset Tetap Dalam Proses/ Nilai Kontrak/ % Penyelesaian/ Penyelesaian/
Jenis Aset/Asset Classifications
Fixed Assets in Process Value Contract Value % of Completion Estimated
Completion
Pembangunan Bangunan Kantor/
718,097 750,340 96% 2024
Office Tower Construction
Pembelian Inventaris & Software/
70,150 120,078 53% 2024
Inventory & Software Purchases
Rehabilitasi Gedung Kantor/
293 852 34% 2024
Office Tower Rehabilitation
31 Desember/December 31, 2022
Estimasi
Nilai Aset Tetap Dalam Proses/ Nilai Kontrak/ % Penyelesaian/ Penyelesaian/
Jenis Aset/Asset Classifications
Fixed Assets in Process Value Contract Value % of Completion Estimated
Completion
Pembangunan Bangunan Kantor/
540,139 549,964 98% 2023
Office Tower Construction
Pembelian Inventaris & Software/
180,213 215,273 84% 2023
Inventory & Software Purchases
Pembelian Tanah/
1,955 2,135 92% 2023
Land Purchases
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
17. Bunga yang Masih Akan Diterima 17. Accrued Interest Receivables
Akun ini terdiri dari: This account consists of:
31 Desember/December 31, 2023 31 Desember/December 31 , 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currency Rupiah/ currency Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Rupiah Rupiah
Kredit yang diberikan dan Loans and sharia
pembiayaan syariah 1,040,876 905,048 financing
Surat berharga 310,459 252,548 Marketable securities
Penempatan pada Bank Placement with Bank
Indonesia dan bank lain 1,630 1,515 Indonesia and other banks
1,352,965 1,159,111
Dolar Amerika Serikat United States Dollar
Kredit yang diberikan dan Loans and sharia
pembiayaan syariah 251,761 3,870 12,361 178 financing
Surat berharga 687,307 10,570 683,155 9,816 Marketable securities
Penempatan pada Bank Placement with Bank
Indonesia dan bank lain 16,352 251 - - Indonesia and other banks
Total 1,367,656 1,169,105 Total
18. Aset Lain-Lain 18. Other Assets
31 Desember/December 31, 2023 31 Desember/December 31, 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currency Rupiah/ currency Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Rupiah Rupiah
Biaya dibayar di muka 2,342,265 1,689,878 Prepaid expenses
Uang muka pajak 390,256 229,347 Tax advance
Beban ditangguhkan Deferred expense
untuk pinjaman karyawan 174,244 180,064 for employee loan
Receivables from
Tagihan atas transaksi ATM 191,333 162,968 ATM transactions
Agunan yang diambil alih 60,120 63,998 Foreclosed collaterals
Persediaan keperluan kantor 64,055 52,305 Office supplies
Aset ijarah 4,320 24,423 Ijarah assets
Setoran jaminan 13,551 12,762 Security deposits
Lain-lain 255,852 129,757 Others
3,495,996 2,545,502
Dolar Amerika Serikat United States Dollar
Biaya dibayar di muka 929 14 929 14 Prepaid expenses
14 14
Total 3,496,010 2,545,516 Total
Pada tanggal 31 Desember 2023, termasuk di As of December 31, 2023, included in prepaid
dalam biaya dibayar di muka adalah uang muka expenses are corporate income tax overpayment
pajak sehubungan dengan lebih bayar pajak year 2019 and payment as tax advance regarding
penghasilan badan tahun 2019 dan pembayaran to the tax examination amounting to Rp52,845 and
sehubungan dengan pemeriksaan pajak masing- Rp337,245, respectively (Note 26.d)
masing sebesar Rp52.845 dan Rp337.245
(Catatan 26.d).
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Page 787
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Termasuk di dalam aset lain-lain adalah aset Included in other assets are abandoned property in
terbengkalai dalam bentuk tanah dengan nilai the form of land with an acquisition value of
perolehan sebesar Rp2.006 dan nilai pasar Rp2,006 and a market value of Rp37,753 based on
sebesar Rp37.753 berdasarkan perhitungan dari calculations from KJPP Jimmy Prasetyo & Partners
KJPP Jimmy Prasetyo & Rekan dalam in their report dated Desember 1, 2023 and pre-
laporannya tertanggal 1 Desember 2023 serta pra participation of phase II capital to Bank Bengkulu
penyertaan modal tahap II kepada Bank Bengkulu amounting to Rp149,960.
sebesar Rp149.960.
19. Liabilitas Segera 19. Obligations Due Immediately
31 Desember/December 31, 2023 31 Desember/December 31, 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currency Rupiah/ currency Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Rupiah Rupiah
Rekening titipan 1,606,746 1,847,666 Accounts not yet settled
Kiriman uang 387,502 396,467 Money transfers
Liabilitas kepada Kantor Liabilities to the
Bendahara dan State Treasury
Kas Negara 164,719 143,026 and Cash Office
Setoran Jaminan Matured security
yang telah jatuh deposits
tempo tetapi belum not yet collected by
diambil nasabah 10,206 10,469 customers
Zakat, Infaq Zakat, Infaq,
dan Shadaqah 313 386 and Shadaqah
Titipan kredit Loans and sharia
dan pembiayaan financing and receivable
dan piutang syariah 1,171 1,227 not yet settled
Titipan dana bantuan Unsettled loans from
pemerintah 6,517 175 government aid
2,177,174 2,399,416
Dolar Amerika Serikat United States Dollar
Setoran jaminan yang telah Matured security
jatuh tempo tetapi belum deposits not yet
diambil oleh nasabah 274,936 4,233 274,927 4,280 collected by customers
Lain-lain 2,040,830 31,423 18,295 285 Others
35,656 4,565
Total 2,212,830 2,403,981 Total
Rekening titipan merupakan hasil dari uang titipan Accounts not yet settled were payment
yang diterima Bank dan entitas anak atas transaksi transactions received from customers by the Bank
pembayaran dari nasabah yang akan disetorkan and its subsidiaries as collecting bank before
pihak bank ke rekening tujuan. deposited to destined account.
Kiriman uang digunakan untuk membukukan Money transfers were used to record deposit
setoran transfer sebelum mengkredit atau transfers before credited or debited to destined
mendebit rekening nasabah. account.
Liabilitas kepada Kantor Bendahara dan Kas Liabilities to the State Treasury and Cash Office
Negara merupakan hasil penerimaan pajak dari were tax payments received from individuals or
para wajib pajak baik perorangan maupun companies by the Bank as a collecting bank.
perusahaan yang diterima Bank sebagai bank
persepsi.
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Page 788
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
20. Simpanan Nasabah dan Simpanan Nasabah 20. Deposits from Customers and Sharia Deposits
Syariah from Customers
a. Berdasarkan jenis dan mata uang a. By type and currency
i. Simpanan nasabah i. Deposits from customers
31 Desember/December 31 , 2023 31 Desember/December 31, 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currency Rupiah/ currency Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Pihak- berelasi (Catatan 43) Related parties (Note 43)
Rupiah Rupiah
Giro 6,184,407 9,678,923 Current accounts
Tabungan Savings
Tandamata Gold 7,221 14,337 Tandamata Gold
Simpeda 11,226 11,665 Simpeda
Tandamata 26,162 26,467 Tandamata
Lain-lain 6,866 3,762 Others
51,475 56,231
Deposito berjangka 164,687 148,390 Time deposits
6,400,569 9,883,544
Mata Uang Asing Foreign Currency
Dolar Amerika Serikat United States Dollar
Tabungan Tandamata 17,689 272 32,351 504 Tandamata Savings
Deposito berjangka 22,227 342 34,124 531 Time deposits
Dolar Singapura Singapore Dollar
Tabungan Tandamata 13,786 161 834 10 Tandamata Savings
775 1,045
Subtotal - pihak berelasi 6,401,344 9,884,589 Subtotal - related parties
Pihak ketiga Third parties
Rupiah Rupiah
Giro 15,041,139 14,431,852 Current accounts
Tabungan Savings
Tandamata 14,052,900 14,687,242 Tandamata
Simpeda 2,393,645 2,651,053 Simpeda
Tandamata Gold 917,842 986,118 Tandamata Gold
Tandamata Purnabakti 2,209,804 1,952,467 Tandamata Purnabakti
TabunganKu 374,013 369,532 TabunganKu
Tandamata Berjangka 248,382 233,664 Tandamata Berjangka
Lain-lain 11,013,459 5,664,336 Others
31,210,045 26,544,412
Deposito berjangka 67,759,697 69,590,814 Time deposits
Subtotal - rupiah 114,010,881 110,567,078 Subtotal - rupiah
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31 , 2023 31 Desember/December 31, 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currency Rupiah/ currency Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Dolar Amerika Serikat United States Dollar
Giro 2,204,884 33,949 41,752,506 649,981 Current accounts
Deposito
Tabunganberjangka
Tandamata 2,310,787 35,580 3,858,827 60,072 Tandamata Savings
Tabungan
Deposito Berjangka
Tandamata 388,985,715 5,989,213 54,675,455 851,161 Time deposits
Dolar Singapura Singapore Dollar
Giro 3,696 43 6,628 77 Current accounts
Tabungan Tandamata 406,314 4,744 424,916 4,926 Tandamata Savings
Deposito berjangka 205,347 2,398 90,247 1,046 Time deposits
Euro Eropa European Euro
Giro 8,238 140 21,827 362 Current accounts
Renminbi Renminbi
Giro 35,100 76 19,562 44 Current accounts
Yen Jepang Japanese Yen
Giro 139,969 15 14,200 2 Current accounts
Dolar Australia Australian Dollar
Giro 363 4 447 5 Current accounts
6,066,162 1,567,676
Subtotal - pihak ketiga 120,077,043 112,134,754 Subtotal - third parties
Total 126,478,387 122,019,343 Total
ii. Simpanan nasabah syariah ii. Deposits from customers – sharia
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pihak berelasi (Catatan 43) Related parties (Note 43)
Rupiah Rupiah
Tabungan Wadiah - 274 Wadiah savings
Tabungan iB 480 - iB Savings
480 274
Pihak ketiga Third parties
Rupiah Rupiah
Giro Wadiah 211,910 114,542 Wadiah current accounts
Tabungan Wadiah 3,694 257,710 Wadiah savings
Tabunganku iB 732,232 423,453 Tabunganku iB
947,836 795,705
Total 948,316 795,979 Total
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Rincian deposito berjangka berdasarkan jangka b. Details of time deposits by term
waktu
31 Desember/December 31 , 2023 31 Desember/December 31 , 2022
Jumlah nosional Ekuivalen Jumlah nosional Ekuivalen
mata uang asing/ Rupiah/ mata uang asing/ Rupiah/
Notional amount Equivalent Notional amount Equivalent
in foreign Rupiah in foreign Rupiah
currency currency
(angka penuh/ (angka penuh/
full amount) full amount)
Rupiah Rupiah
1 bulan 19,775,980 22,700,767 1 month
3 bulan 20,696,871 17,635,591 3 months
6 bulan 11,774,724 3,735,942 6 months
12 bulan 12,810,289 25,570,354 12 months
Lebih dari 12 bulan 2,866,521 96,550 More than 12 months
67,924,385 69,739,204
Dolar Amerika Serikat United States Dollar
1 bulan 215,507,862 3,318,174 17,182,526 267,489 1 month
3 bulan 170,368,367 2,623,162 681,847 10,615 3 months
6 bulan 1,749,441 26,936 1,706,157 26,561 6 months
12 bulan 1,382,272 21,282 35,139,049 547,027 12 months
5,989,554 851,692
Dolar Singapura Singapore Dollar
1 bulan 117,000 1,366 - - 1 month
6 bulan 88,347 1,032 90,247 1,046 6 month
2,398 1,046
5,991,952 852,738
Total 73,916,337 70,591,942 Total
c. Tingkat suku bunga rata-rata per tahun c. Average interest rates per annum
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Giro Current accounts
Rupiah 0.06% 0.13% Rupiah
Dolar Amerika Serikat 0.02% 0.02% United States Dollar
Tabungan Savings
Rupiah 0.12% 0.27% Rupiah
Dolar Amerika Serikat 0.04% 0.04% United States Dollar
Deposito Berjangka Time deposits
Rupiah 3.48% 3.38% Rupiah
Dolar Amerika Serikat 1.31% 0.47% United States Dollar
d. Giro yang diblokir dan dijadikan jaminan atas kredit d. Current accounts blocked and pledged as loan and
yang diberikan dan pembiayaan dan piutang sharia financing and receivable collateral as of
syariah pada tanggal 31 Desember 2023 dan 2022 December 31, 2023 dan 2022 amounted to
masing-masing sebesar Rp1.466.333 dan Rp1,466,333 and Rp1,663,090, respectively
Rp1.663.090 (Catatan 12.k.9). (Note 12.k.9).
e. Deposito yang diblokir dan dijadikan jaminan atas e. Time deposits blocked and pledged as loan and
kredit yang diberikan dan pembiayaan dan piutang sharia financing and receivable collateral as of
syariah pada tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022 amounted to
masing-masing sebesar Rp677.349 dan Rp677,349 and Rp528,916, respectively
Rp528.916 (Catatan 12.k.10). (Note 12.k.10).
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
f. Bank memberikan special rate deposito khusus f. The Bank provides a special deposit rate for rupiah
kepada nasabah institusi rupiah dengan minimal institutional customers with a minimum placement
penempatan dana diatas Rp2.000 (dua miliar of funds above IDR 2,000 (two billion rupiah) for
rupiah) untuk mata uang rupiah dan USD 100.000,- rupiah currency and USD 100,000 (one hundred
(seratus ribu USD) (nilai penuh) dengan suku thousand USD) (full amount) with an interest rate of
bunga yang diberikan antara 3.00% - 8.00% untuk between 3.00% - 8.00% for rupiah and 0.75% -
rupiah dan 0.75% - 6.00% untuk USD. Untuk 6.00% for USD. Special Rate Giro is given to
Special Rate Giro diberikan kepada Nasabah rupiah Institutional Customers with funds placed
Institusi rupiah dengan penempatan dana diatas above IDR 2,000 (two billion rupiah) with an
Rp2.000 (dua miliar rupiah) dengan tingkat dengan interest rate given between 1.50% - 5.00%.
suku bunga yang diberikan antara 1,50% - 5.00%.
21. Simpanan dari Bank Lain 21. Deposits from Other Banks
a. Berdasarkan jenis dan mata uang a. By type and currency
31 Desember/December 31 , 2023 31 Desember/December 31, 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currency Rupiah/ currency Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Pihak berelasi (Catatan 43) Related parties (Note 43)
Rupiah Rupiah
Tabungan 32,263 33,892 Savings
Deposito berjangka 36,447 7,155 Time deposits
Giro 18,045 55,292 Current accounts
86,755 96,339
Pihak ketiga Third parties
Rupiah Rupiah
Deposito berjangka 648,583 597,908 Time deposits
Tabungan 410,314 358,945 Savings
Call money 860,000 2,850,000 Call money
Giro 510,734 558,598 Current accounts
Sertifikat deposito 25,154 - Certificate of deposits
2,454,785 4,365,451
Total 2,541,540 4,461,790 Total
b. Rincian deposito berjangka berdasarkan b. Details of time deposits by term
jangka waktu
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah Rupiah
1 bulan 421,011 281,969 1 month
3 bulan 73,535 51,883 3 months
6 bulan 66,913 58,058 6 months
12 bulan 120,652 209,734 12 months
24 bulan 2,919 3,419 24 months
Total 685,030 605,063 Total
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Tingkat suku bunga rata-rata per tahun c. Average interest rates per annum
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Giro Current accounts
Rupiah 0.45% 0.66% Rupiah
Tabungan Savings
Rupiah 1.07% 1.09% Rupiah
Deposito berjangka Time deposits
Rupiah 4.34% 3.52% Rupiah
Call Money Call money
Rupiah 6.27% 0.00% Rupiah
d. Deposito dari bank lain yang diblokir dan dijadikan d. Time deposits from other banks blocked and
jaminan atas kredit yang diberikan pada tanggal pledged as loan and collateral as of December 31,
31 Desember 2023 dan 2022 masing-masing 2023 and 2022 amounted to Rp346,587 and
sebesar Rp346.587 dan Rp504.652 Rp504,652, respectively (Note 12.k.11).
(Catatan 12.k.11).
22. Liabilitas atas efek-efek yang dijual dengan 22. Liabilities from marketable securities sold
janji dibeli kembali under agreements to repurchase
Liabilitas atas efek-efek yang dijual dengan janji Liabilities from marketable securities sold under
dibeli kembali pada tanggal 31 Desember 2023 agreements to repurchase as of December 31,
dan 2022 adalah sebagai berikut: 2023 and 2022 are as follows:
31 Desember/December 31, 2023
Beban Bunga
Tanggal Harga yang Belum
Jenis Surat Nilai Tanggal Pembelian Pembelian Diamortisasi/ Nilai
Berharga/ Nominal/ Dimulai/ Kembali/ Kembali/ Unamortized Tercatat/
Nasabah/ Type of Nominal Commencement Repurchase Repurchase Interest Carrying
Customer Securities Amount Date Date Price Expense Value
Pihak ketiga/
Third parties
Bank Indonesia
SUN FR 59 500,000 27 Des/ 3 Jan/ 487,415 169 487,246
Dec 27, 2023 Jan 3 , 2024
SUN FR 82 500,000 27 Des/ 3 Jan/ 483,976 168 483,808
Dec 27 , 2023 Jan 3 , 2024
SUN FR 65 500,000 28 Des/ 3 Jan/ 468,414 161 468,253
Dec 28 , 2023 Jan 3 , 2024
SUN FR 86 500,000 28 Des/ 3 Jan/ 471,575 162 471,413
Dec 28 , 2023 Jan 3 , 2024
SUN FR 86 500,000 28 Des/ 3 Jan/ 471,575 162 471,413
Dec 28 , 2023 Jan 3 , 2024
SUN FR 90 500,000 28 Des/ 3 Jan/ 462,794 159 462,635
Dec 28 , 2023 Jan 3 , 2024
SUN FR 90 500,000 28 Des/ 3 Jan/ 462,794 159 462,635
Dec 28 , 2023 Jan 3 , 2024
SUN FR 91 500,000 28 Des/ 3 Jan/ 464,475 160 464,315
Dec 28 , 2023 Jan 3 , 2024
SUN FR 87 500,000 28 Des/ 4 Jan/ 473,335 247 473,087
Dec 28 , 2023 Jan 4 , 2024
Total 4,500,000 4,246,353 1,547 4,244,805
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Beban Bunga
Tanggal Harga yang Belum
Jenis Surat Nilai Tanggal Pembelian Pembelian Diamortisasi/ Nilai
Berharga/ Nominal/ Dimulai/ Kembali/ Kembali/ Unamortized Tercatat/
Nasabah/ Type of Nominal Commencement Repurchase Repurchase Interest Carrying
Customer Securities Amount Date Date Price Expense Value
Pihak ketiga/
Third parties
Bank Indonesia SUN FR 95 250,000 28 Des / 4 Jan / 235,810 113 235,697
Dec 28, 2022 Jan 4 , 2023
SUN FR 87 250,000 28 Des / 4 Jan / 231,702 111 231,591
Dec 28, 2022 Jan 4 , 2023
SUN FR 87 500,000 28 Des / 4 Jan / 463,404 222 463,182
Dec 28, 2022 Jan 4 , 2023
SUN FR 87 250,000 28 Des / 4 Jan / 231,702 111 231,591
Dec 28, 2022 Jan 4 , 2023
SUN FR 87 450,000 28 Des / 2 Jan / 416,925 65 416,859
Dec 28, 2022 Jan 2 , 2023
SUN FR 87 250,000 29 Des / 5 Jan / 231,726 148 231,578
Dec 29, 2022 Jan 5 , 2023
SUN FR 59 500,000 29 Des / 3 Jan / 492,317 153 492,164
Dec 29, 2022 Jan 3 , 2023
SUN FR 87 250,000 29 Des / 2 Jan / 231,608 35 231,573
Dec 29, 2022 Jan 2 , 2023
SUN FR 64 300,000 29 Des / 2 Jan / 273,475 41 273,434
Dec 29, 2022 Jan 2 , 2023
SUN FR 64 300,000 29 Des / 2 Jan / 273,475 41 273,434
Dec 29, 2022 Jan 2 , 2023
Total 3,300,000 3,082,144 1,040 3,081,103
23. Efek Utang yang Diterbitkan 23. Debt Securities Issued
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Obligasi Berkelanjutan I Tahap I Continuing Bonds I
Bank Jabar Banten 780,000 780,000 of Bank Jabar Banten Phase I
Obligasi Berkelanjutan I Tahap II Continuing Bonds I
Bank Jabar Banten - 916,500 of Bank Jabar Banten Phase II
Obligasi Berkelanjutan I Tahap III Continuing Bonds I
Bank Jabar Banten 182,000 182,000 of Bank Jabar Banten Phase III
962,000 1,878,500
Beban emisi obligasi
yang belum diamortisasi (4,009) (7,039) Unamortized bonds issuance cost
Total 957,991 1,871,461 Total
Obligasi Berkelanjutan I Tahap I Bank Jabar Continuing Bonds I of Bank Jabar Banten Phase I
Banten terdiri dari: consisted of:
1) Seri C dengan nilai nominal Rp780.000 1) Series C with nominal value of Rp780,000 with
dengan suku bunga tetap sebesar 8,85% per fixed interest rate of 8.85% per annum which
tahun yang dibayarkan setiap tiga bulan dan is payable every three months; with a seven-
jangka waktu selama tujuh tahun dan akan year term; and are due on December 6, 2024.
jatuh tempo pada tanggal 6 Desember 2024.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the rating of
peringkat Obligasi Berkelanjutan I Tahap I menurut Continuing Bonds I Phase I by Pefindo is idAA and
Pefindo masing-masing adalah idAA dan idAA. idAA, respectively.
Obligasi Berkelanjutan I Tahap II Bank Jabar Continuing Bonds I of Bank Jabar Banten Phase II
Banten terdiri dari: consisted of:
1) Seri B dengan nilai nominal Rp916.500 2) 1) Series B with a nominal value of Rp916,500
dengan suku bunga tetap sebesar 9.50% per with a fixed interest rate of 9.50% per year
tahun yang dibayarkan setiap tiga bulan dan which is paid every three months and a period
jangka waktu selama lima tahun dan telah of five years and has been due and fully paid
jatuh tempo dan dilunasi pada tanggal on September 28, 2023.
28 September 2023.
Pada tanggal 31 Desember dan 2022, peringkat As of December 31, and 2022, The rating of
Obligasi Berkelanjutan I Tahap II menurut Pefindo Continuing Bonds I Phase II by Pefindo is idAA.
adalah idAA.
Obligasi Berkelanjutan I Tahap III Bank Jabar Continuing Bonds I of Bank Jabar Banten Phase III
Banten terdiri dari: consisted of:
1) Seri B dengan nilai nominal Rp108.000 1) Series B with a nominal value of Rp108,000
dengan suku bunga tetap sebesar 8,50% per with a fixed interest rate of 8.50% per year
tahun yang dibayarkan setiap tiga bulan dan which is paid every three months and a period
jangka waktu selama lima tahun dan akan of five years and will be due on October 18,
jatuh tempo pada tanggal 18 Oktober 2024. 2024.
2) Seri C dengan nilai nominal Rp74.000 dengan 2) Series C with nominal value of Rp74,000 with
suku bunga tetap sebesar 8.75% per tahun fixed interest rate of 8.75% per annum which
yang dibayarkan setiap tiga bulan dan jangka is paubale every three months; with a seven-
waktu selama tujuh tahun dan akan jatuh year term; and are due on October 18, 2026.
tempo pada tanggal 18 Oktober 2026.
Pada tanggal 31 Desember 2023 dan 2022 As of December 31, 2023, and 2022 of the rating of
peringkat Obligasi Berkelanjutan I Tahap III untuk Continuing Bonds I Phase III Series B and Series C
Seri B dan Seri C menurut Pefindo masing-masing by Pefindo is idAA and idAA.
adalah idAA dan idAA.
Pada 31 Desember 2023 dan 2022, Bank telah On December 31, 2023 and 2022, the Bank has
mengamortisasi biaya emisi obligasi masing- amortized the bonds issuance cost, amounting to
masing sebesar Rp5.458 dan Rp5.472 yang Rp5,458 and Rp5,472, respectively, which recorded
dicatat dalam laporan laba rugi dan penghasilan in the consolidated statement of profit or loss and
komprehensif lain konsolidasian. other comprehensive income.
Bertindak sebagai Wali Amanat dalam penerbitan Acting as a Trustee in the issuance of Continuing
Obligasi Berkelanjutan I Tahap I, II dan III adalah Bonds Phase I, II and III is PT Bank Tabungan
PT Bank Tabungan Negara (Persero) Tbk. Negara (Persero) Tbk. Relationship with The
Hubungan dengan Wali Amanat bukan merupakan Trustee is not a related party to the Bank.
pihak berelasi Bank.
Tidak terdapat jaminan ataupun pembentukan There is no guarantee or establishment of funds for
dana untuk pelunasan pokok obligasi dengan the repayment of bond principal by appointing
menunjuk pos yang berhubungan. related posts.
Pembatasan keuangan dan pembatasan- Financial restrictions and other restrictions on the
pembatasan lain terhadap Bank (debt covenants) Bank (debt covenants) are banks without the prior
adalah Bank tanpa persetujuan tertulis terlebih written consent of the Trustee will not do the
dahulu dari Wali Amanat tidak akan melakukan following:
hal-hal sebagai berikut:
1. Melakukan perubahan bidang usaha utama; 1. Make changes in the main field of business;
2. Mengurangi modal dasar, modal ditempatkan 2. Reduce share capital, issued capital and paid-
dan modal disetor, kecuali pengurangan up capital, unless such deduction is made upon
tersebut dilakukan berdasarkan permintaan request and/or order from the competent
dan/atau perintah dari otoritas yang authority (including but not limited to the
berwenang (termasuk tetapi tidak terbatas Financial Services Authority);
pada Otoritas Jasa Keuangan);
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. Mengadakan penggabungan, konsolidasi, dan 3. Enter into mergers, consolidations, and
akuisisi dengan perusahaan lain yang acquisitions with other companies that cause
menyebabkan bubarnya Bank, atau yang akan the dissolution of the Bank, or which will have
mempunyai akibat negatif terhadap negative consequences on the continuity of the
kelangsungan usaha Bank, kecuali sepanjang Bank's business, except to the full discretion in
dilakukan sesuai dengan ketentuan sebagai accordance with the following provisions:
berikut:
a. Semua syarat dan kondisi Obligasi a. All terms and conditions of subordinated
Subordinasi dalam Perjanjian bonds in the Agreement of Association and
Perwaliamanatan dan dokumen lain yang other relevant documents remain in force
berkaitan tetap berlaku dan mengikat and are fully binding on the surviving
sepenuhnya perusahaan penerus company, and in the event that the Bank is
(surviving company), dan dalam hal Bank not a successor company, all obligations of
bukan merupakan perusahaan penerus, subordinated bonds have been lawfully
maka seluruh kewajiban Obligasi transferred to the successor company, and
Subordinasi telah dialihkan secara sah the successor company has adequate
kepada perusahaan penerus, dan assets and capabilities to guarantee the
perusahaan penerus tersebut memiliki payment of Subordinated Bonds and the
aktiva dan kemampuan yang memadai successor company one of its business
untuk menjamin pembayaran Obligasi fields is engaged in Banking; or
Subordinasi dan perusahaan penerus
tersebut salah satu bidang usahanya
adalah bergerak dalam bidang
Perbankan; atau
b. Disyaratkan oleh peraturan perundang- b. Required by the applicable laws and
undangan yang berlaku di Negara regulations in the Republic of Indonesia.
Republik Indonesia.
4. Melakukan penjualan atau pengalihan aktiva 4. Make the sale or transfer of fixed assets
tetap milik Bank kepada pihak manapun, baik belonging to the Bank to any party, either in
seluruhnya atau sebagian besar/melebihi 50% whole or most of /exceed 50% (fifty percent) of
(lima puluh persen) dari seluruh aktiva tetap all fixed assets owned by the Bank based on
milik Bank berdasarkan laporan keuangan the last audited financial statements, in one
terakhir yang telah diaudit, dalam satu transaction or combined transaction in 1 (one)
transaksi atau gabungan transaksi dalam year running;
1 (satu) tahun berjalan;
5. Melakukan transaksi dengan pihak terafiliasi 5. Make transactions with affiliated parties unless
kecuali bila transaksi tersebut dilakukan the transaction is conducted on terms that
dengan persyaratan yang menguntungkan benefit the Bank or at least the same as the
Bank atau setidak-tidaknya sama dengan terms obtained by the Bank from a third party
persyaratan yang diperoleh Bank dari pihak who is not an affiliate in the usual transaction;
ketiga yang bukan afiliasi dalam transaksi
yang lazim;
6. Memberi pinjaman kepada atau melakukan 6. Lending to or making investments in the form of
investasi dalam bentuk penyertaan saham share participation in other parties, unless done
pada pihak lain, kecuali dilakukan sehubungan in connection with activities in accordance with
dengan kegiatan yang sesuai dengan bidang their business fields or in connection with the
usahanya atau sehubungan dengan construction of Bank business facilities and
pembangunan fasilitas usaha Bank dan loans to employees, cooperatives and
pinjaman kepada karyawan, koperasi dan foundations of Bank employees.
yayasan karyawan Bank.
Approval for Printing paraf:
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
24. Pinjaman yang Diterima 24. Borrowings
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pihak ketiga Third parties
Rupiah Rupiah
PT Bank Central AsiaTbk 5,700,000 5,700,000 PT Bank Central Asia Tbk
Kementerian Pekerjaan Umum Ministry of Public Works
dan Perumahan Rakyat And Public Housing of
Republik Indonesia 5,059,407 3,842,719 Republic of Indonesia
PT Bank Danamon Indonesia Tbk 4,000,000 4,000,000 PT Bank Danamon Indonesia Tbk
PT Bank Mandiri (Persero) Tbk 1,500,000 1,500,000 PT Bank Mandiri (Persero) Tbk
PT Bank DKI 1,500,000 1,500,000 PT Bank DKI
PT Bank BTPN Tbk 1,000,000 - PT Bank BTPN Tbk
PT Bank ICBC Indonesia 800,000 800,000 PT Bank ICBC Indonesia
PT Bank Maybank Indonesia Tbk 500,000 - PT Bank Maybank Indonesia Tbk
PT Sarana Multigriya Finansial (Persero) 200,000 100,000 PT Sarana Multigriya Finansial (Persero)
Lembaga Pengelola Dana Bergulir Lembaga Pengelola Dana Bergulir
Koperasi dan Usaha Kecil dan Menengah 34,465 59,200 Koperasi dan Usaha Kecil dan Menengah
PT BPR Daya Lumbung Asia 7,768 9,260 PT BPR Daya Lumbung Asia
BPR Supra Artapersada 11,200 11,200 PT BPR Supra Artapersada
PT Bank Oke Indonesia Tbk 5,566 5,428 PT Bank Oke Indonesia Tbk
PT Bank CIMB Niaga Tbk 5,417 5,954 PT Bank CIMB Niaga Tbk
Total 20,323,823 17,533,761 Total
PT Bank Central Asia Tbk PT Bank Central Asia Tbk
Bank mendapatkan fasilitas pinjaman dari The Bank received 2 (two) borrowing facilities from
PT Bank Central Asia Tbk sebagai berikut: PT Bank Central Asia Tbk as follows:
a. Term Loan Non Revolving 2 dengan plafon a. Non Revolving Term Loan 2 with a plafond of
Rp2.000.000. Sebelumnya pinjaman ini Rp2,000,000. The borrowing has a period 24
memiliki jangka waktu 24 (dua puluh empat) (twenty four) months until March 27, 2020 with
bulan sampai tanggal 27 Maret 2020 dengan interest rate is JIBOR 3 months + 0,75% per
tingkat suku bunga sebesar JIBOR 3 bulan + annum. On December 10, 2019 Bank extended
0,75% per tahun. Pada 10 Desember 2019, the loan and maturity of the loan becomes
Bank melakukan perpanjangan atas pinjaman March 27, 2026 but interest rate was not
ini sehingga jatuh tempo pinjaman menjadi changed.
tanggal 27 Maret 2026 namun tingkat suku
bunga tidak berubah.
b. Term Loan Non Revolving 3 dengan plafon b. Non Revolving Term Loan 3 with a ceiling of
Rp2.000.000. Pinjaman ini memiliki jangka Rp2,000,000. The borrowing has period
waktu 24 (dua puluh empat) bulan sampai 24 (twenty four) months until October 17, 2024
tanggal 17 Oktober 2024 dengan tingkat suku with interest rate is JIBOR 3 months + 0.5% per
bunga sebesar JIBOR 3 bulan + 0,5% per annum.
tahun.
c. Term Loan Non Revolving 4 dengan plafon c. Term Loan Non Revolving 4 with a ceiling of
Rp1.500.000. Pinjaman ini memiliki jangka IDR 1,500,000. This loan has a term of 24
waktu 24 (dua puluh empat) bulan sampai (twenty four) months until June 30, 2025 with
tanggal 30 Juni 2025 dengan tingkat suku an interest rate of 3 months JIBOR + 1.15% per
bunga sebesar JIBOR 3 bulan + 1,15% per annum.
tahun.
d. Term Loan Non Revolving 5 dengan plafon d. Term Loan Non Revolving 5 with a ceiling of
Rp200.000. Pinjaman ini memiliki jangka Rp200,000. This loan has a term of 24 (twenty
waktu 24 (dua puluh empat) bulan sampai four) months until October 29, 2025 with an
tanggal 29 Oktober 2025 dengan tingkat suku interest rate of 3 months JIBOR + 1.15% per
bunga sebesar JIBOR 3 bulan + 1,15% per annum.
tahun.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Jumlah penerimaan dana dan pembayaran The total receipt of funds and payments for the
pembiayaan BCA tersebut pada 31 Desember BCA financing in the current year of December 31,
2023 dan 2022 berturut-turut adalah sebesar 2023 and 2022 was Rp1.700.000, and
Rp1.700.000 dan Rp1.700.000 serta Rp4.000.000 Rp1.700.000, and Rp4,000,000, and Rp1,700,000,
dan Rp1.700.000. respectively.
Selama masa pinjaman, Bank memiliki kewajiban Over the period of borrowing, the Bank is required
untuk memenuhi persyaratan antara lain to comply with terms of the borrowing as follows;
(i) menyerahkan laporan keuangan selambat- (i) provide financial statement no later than 14 days
lambatnya 14 hari setelah tanggal publikasi, after the publication; (ii) Notify amendment of the
(ii) memberitahukan perubahan susunan Bank’s Deed of Establishment and Article of
anggaran dasar; (iii) kesesuaian penggunaan Association; (iii) Conformity between the use of
dana dengan tujuan pemberian fasilitas. fund and the purpose of the borrowing facility.
Bank telah memenuhi semua persyaratan yang The Bank has complied with all of the existing
ditetapkan dalam perjanjian untuk tanggal terms of the fund borrowing agreement in
31 Desember 2023 dan 2022. Bank tidak December 31, 2023 and 2022. The Bank does not
memberikan jaminan apapun atas pinjaman ini. provide any collateral for this loan.
PT Sarana Multigriya Finansial (Persero) PT Sarana Multigriya Finansial (Persero)
BJBS mendapatkan fasilitas pinjaman dari PT BJBS received borrowing facility from PT Sarana
Sarana Multigriya Finansial (Persero) (SMF) Multigriya Finansial (Persero) (SMF)
berdasarkan akad pembiayaan based on financing agreement
No. 124/AKAD/SMF-BJBS/XI/2018 tanggal 4 No. 124/AKAD/SMF-BJBS/XI/2018 dated
September 2018 yang berjangka waktu 15 tahun September 4, 2018 which has 15 years period and
dan akan jatuh tempo pada tanggal will due on September, 4 2033. The agreed nisbah
4 September 2033. Porsi nisbah yang disepakati portion for PT SMF are 77.75% and 22.25% for
adalah 77,75% untuk SMF dan 22,25% untuk BJBS.
BJBS.
Selama masa pinjaman, BJBS memiliki kewajiban Over the period of borrowing, BJBS is required to
untuk memenuhi persyaratan antara lain comply with terms of the borrowing as follows;
(i) menyerahkan laporan keuangan setiap (i) provide financial statement semiannually,
6 (enam) bulan, (ii) perubahan akta pendirian dan (ii) Amendment of the Bank’s Deed of
anggaran Bank, (iii) kesesuaian penggunaan Establishment and Article of Association,
dana dengan tujuan pemberian fasilitas. (iii) Conformity between the use of fund and the
purpose of the borrowing facility.
Jumlah penerimaan dana dan pembayaran The total receipt of funds and payments for the
pembiayaan SMF tersebut pada tahun SMF financing in the current year of December 31,
31 Desember 2023 dan 2022 berturut-turut 2023 and 2022 was Rp200,000 and Rp100.000,
adalah sebesar Rp200.000 dan Rp100.000 serta and Nil and Rp100.000, respectively.
Nihil dan Rp100.000.
BJBS telah memenuhi semua persyaratan BJBS has complied with all of the existing terms of
ditetapkan dalam perjanjian untuk tahun 31 the fund borrowing agreement for the years
Desember 2023 dan 2022. Atas pinjaman Term December 31, 2023 and 2022. For Term Loan I,
Loan I, BJBS menjaminkan agunan berupa the BJBS pledge as fiducia of KPR mortgage.
fidusia atas piutang penerbitan KPR.
PT Bank Mandiri (Persero) Tbk
PT Bank Mandiri (Persero) Tbk
Bank mendapatkan fasilitas kredit dari PT Bank
The Bank received Term Loan from PT Bank
Mandiri (Persero) Tbk dengan limit Rp1.500.000.
Mandiri (Persero) Tbk with a plafond Rp1.500.000.
Jangka waktu kredit selama 2 (dua) tahun dari
The Term Loan has period 2 (two) year from
tanggal 25 September 2023 sampai dengan 24
September 25, 2023 until September 24, 2025 with
September 2025 dengan tingkat suku bunga
interest rate is JIBOR 3 M + 0.60%.
pinjaman adalah JIBOR 3 M + 0.60%.
Bank mendapatkan fasilitas pinjaman untuk
The Bank received Term Loan facility to develop
melakukan pengembangan ekspansi kredit.
credit expantion. The significant requirements
Persyaratan-persyaratan penting (financial
(financial covenants) in the Bank’s loan agreement
covenants) dalam perjanjian pinjaman Bank
include the following:
antara lain:
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
a. Menjaga Capital Adequacy Ratio (CAR) a. Capital Adequacy Ratio (CAR) minimum of
minimal sebesar 10,28% atau sesuai dengan 10.28% or in accordance with OJK regulations
ketentuan OJK untuk Bank Buku III dan profil for Bank Book III and which bank's risk profile is
risiko bank mana yang lebih besar; greater;
b. Menjaga maksimum Non Performing Loan b. Non-Performing Loan (NPL) ratio maximum of
(NPL) net sebesar 3,50%; 3.50%;
c. Menjaga net income tahun berjalan dengan c. Net income for the current year with positive
angka positif; numbers;
d. Menjaga Liquidity Coverage Ratio minimal d. Liquidity Coverage Ratio minimum of 100% for
sebesar 100% pada posisi laporan keuangan quarterly financial statement positions.
triwulan.
Bank juga mendapatkan fasilitas kredit dari Bank also received Term Loan from PT Bank
PT Bank Mandiri (Persero) Tbk dengan limit Mandiri (Persero) Tbk with a ceiling Rp500,000.
Rp500.000. Jangka waktu kredit selama 1 tahun The Term Loan has perid 1 (two) years of
dari tanggal 28 Maret 2022 sampai dengan March 28, 2022 until December 19, 2023 with
19 Desember 2023 dengan tingkat suku bunga interest rate is JIBOR 3 M + 1%.
JIBOR 3M + 1%.
Selama masa pinjaman, Bank memiliki kewajiban Over the period of borrowing, the Bank is required
untuk memenuhi persyaratan antara lain to comply with terms of the borrowing as follows;
(i) memastikan ketersediaan laporan keuangan (i) ensure the availability of audited financial
audited oleh Kantor Akuntan Publik yang terdaftar statement by Public Accounting Firm registered by
di OJK; (ii) ketersediaan penggunaan dana OJK; (ii) conformity between the use of fund and
dengan tujuan pemberian fasilitas; dan the purpose of the borrowing facility; and
(iii) menyampaikan akta perubahan anggaran (iii) amendment of the debtor’s article of
dasar debitur setiap ada perubahan. association whenever there are changes.
Jumlah penerimaan dana dan pembayaran The total receipts and payments of Mandiri
pembiayaan PT Bank Mandiri (Persero) Tbk pada financing on December 31, 2023 and 2022 were
31 Desember 2023 dan 2022 berturut-turut Rp1.500.000, and Rp1.500.000, and Nil, and Nil,
adalah sebesar Rp1.500.000, dan Rp1.500.000, respectively.
serta Nihil dan Nihil.
Bank telah memenuhi semua persyaratan yang The Bank has complied with all of the existing
ditetapkan dalam perjanjian untuk terms of the fund borrowing agreement for the
31 Desember 2023 dan 2022. Bank tidak December 31, 2023 and 2022. The Bank does not
menjaminkan apapun atas pinjaman ini. provide any collateral for this loan.
Kementerian Pekerjaan Umum dan Ministry of Public Works and Public Housing of
Perumahan Rakyat Republik Indonesia Republic of Indonesia
Pinjaman dari Kementerian Pekerjaan Umum dan Loan from the Ministry of Public Works and Public
Perumahan Rakyat (KEMENPUPERA) Republik Housing (KEMENPUPERA) of the Republic of
Indonesia merupakan fasilitas penyaluran dana Indonesia is a funding facility for the Housing
program Fasilitas Likuiditas Pembiayaan Financing Liquidity Facility (FLPP) program
Perumahan (FLPP) melalui Pembiayaan through Sharia Housing Ownership Financing
Pemilikan Rumah (PPR) Sejahtera Syariah bagi (PPR) for low income households under the
masyarakat berpenghasilan rendah dengan Cooperation Agreement No. HK.02.03-
Perjanjian Kerja Sama Operasional Sg.DL/03/2017, No. 001/PKS/DIRKS/2017 dated
No. HK.02.03-Sg.DL/03/2017, No. 001/PKS/DIR- January 3, 2017 and the Agreement on
KS/2017 tanggal 3 Januari 2017 dan Perjanjian Cooperation of Operations
Kerja Sama Operasional No. 13/PKS/Satker- No. 13/PKS/SatkerDJPB/2017, No: 003/PKS/DIR-
DJPB/2017, No. 003/PKS/DIR-KS/2017 tanggal KS/2017 dated January 5, 2017. The interest rate
5 Januari 2017. Pinjaman memiliki tingkat suku of borrowings is 4.40%.
bunga sebesar 4,40%.
Ketentuan perjanjian Kerja Sama tersebut The terms of agreement as follows:
sebagai berikut:
a. Akad penanaman dana dari KEMENPUPERA a. Contract of fund investment from customer
sebagai pemilik dana kepada BJBS dengan KEMENPUPERA as the owner of funds to the
sistem bagi hasil berdasarkan nisbah yang BJBS, with profit sharing system based on ratio
disepakati dengan sistem revenue sharing; agreed with revenue sharing system;
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Objek dalam perjanjian tersebut adalah Dana b. The object of the agreement is the fund of KPR
KPR Sejahtera yang terdiri dari dana Sejahtera consisting of KEMENPUPERA and
KEMENPUPERA dan BJBS dengan jumlah BJBS funds with the highest amount of
paling tinggi sebesar Rp237.000 untuk Rp237,000 for KPR Sejahtera financing at the
pembiayaan KPR Sejahtera paling rendah minimum of 2,500 units, with funds prepared by
2.500 unit, dengan dana yang disiapkan oleh the bank minimum of 10% of the total funds
pihak BJBS paling rendah sebesar 10% dari agreed;
total dana yang diperjanjikan;
c. Atas dana yang dikelola oleh BJBS, c. For the funds managed by BJBS,
KEMENPUPERA menerima pembayaran KEMENPUPERA receives payment of profit
imbal bagi hasil setiap bulan sebesar counter sharing each month amounting to the maximum
nisbah imbal hasil maksimal yang berlaku di counter rate of the maximum yield applicable in
BJBS; BJBS;
d. Imbal hasil yang dihitung berdasarkan saldo d. The yields calculated based on the average
rata-rata harian x jumlah hari x (gross yield x daily balance x the number of days x (gross
nisbah)/365 sebagaimana perjanjian antara yield x nisbah)/365 as the interbank agreement
BJBS dengan KEMENPUPERA; with KEMENPUPERA;
e. BJBS menyediakan laporannya yang terkait e. BJBS prepares its reports relating to the
dengan pelaksanaan FLPP yang mencakup implementation of FLPP covering customer and
data nasabah dan lainnya; other data;
f. Kelompok sasaran KPR Sejahtera merupakan f. KPR Sejahtera targets Bank and its subsidiaries
masyarakat berpenghasilan rendah dengan for low income households with certain income
batasan penghasilan tertentu sesuai dengan limits in accordance with the Regulation of the
Peraturan Kementerian PUPERA Ministry of Public Works and Housing of the
No. 552/KPTS/M/2016, antara lain: Republic of Indonesia No.552/KPTS/M/2016,
among others:
• Nilai KPR paling tinggi sebesar batasan • The highest value of Housing Ownership
harga jual rumah dikurangi dengan nilai Loan is the selling price of the house less
uang muka yang ditetapkan; the determined down payment;
• Margin KPR paling tinggi 5,00% (lima • The highest margin for Housing Ownership
persen) per tahun (bersifat tetap); Loan is at 5.00% (five percent) per annum
• Jangka waktu KPR Sejahtera paling (fix rate mortage);
lama 20 (dua puluh) tahun. • The maximum duration for Housing
Ownership Loan is 20 (twenty) years;
g. Pengembalian pokok dana FLPP ke g. Refund of FLPP funds to KEMENPUPERA
KEMENPUPERA dilakukan setiap tanggal shall be made on the 10th of the ensuing month
10 bulan berikutnya sejak bank menerima after the bank receives the FLPP fund book-
perintah pemindahbukuan dana FLPP. entry instruction.
Jumlah penerimaan dana dan pembayaran The total receipts and payments of
pembiayaan KEMENPURERA pada 31 KEMENPURERA financing on December 31, 2023
Desember 2023 dan 2022 berturut-turut adalah and 2022 were Rp1.564.587, and Rp347.899, and
sebesar Rp1.564.587, dan Rp347.899, serta Rp2.928.716, and Rp2.069.000, respectively.
Rp2.928.716 dan 2.069.000
BJBS telah memenuhi semua persyaratan yang BJBS has complied with all of the existing terms of
ditetapkan dalam perjanjian pinjaman di atas. the fund borrowing agreement. The Bank does not
Bank tidak menjaminkan apapun atas pinjaman provide any collateral for this loan.
ini.
PT Bank ICBC Indonesia PT Bank ICBC Indonesia
Bank memiliki fasilitas Bilateral Commited Loan Bank received Bilateral Commited Loan Credit
Credit Facility dari PT Bank ICBC Indonesia Facility from PT ICBC Indonesia with from PT ICBC
dengan jangka waktu 24 (dua puluh empat) bulan Indonesia, this borrowings has period 24 (twenty
sejak tanggal 28 Desember 2023 hingga four) months since December 28, 2023 until
28 Desember 2025 dengan plafon Rp800.000 December 28, 2025 with a plafond Rp800.000 and
dengan bunga sebesar JIBOR 3M + 0.70%. rate JIBOR 3M + 0.70%.
Selama masa pinjaman, Bank harus Over the period of borrowing, the Bank is required
menyerahkan laporan keuangan (audited) dalam to comply with terms of the borrowing to provide
waktu 180 (seratus delapan puluh) hari setelah financial statement (audited) with maximum period
tanggal tutup buku tahunan, Bank harus 180 (one hundred eighty) days after year end
menyerahkan laporan keuangan beserta closing and also followed by other relevan
dokumen lainnya. documents.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Jumlah penerimaan dana dan pembayaran The total receipts and payments of ICBC financing
pembiayaan ICBC pada 31 Desember 2023 dan on December 31, 2023 and 2022 were Rp800.000
2022 berturut-turut adalah sebesar Rp800.000 and Rp800.000, and Rp800, and Nil, respectively.
dan Rp800.000 serta Rp800 dan Nihil.
Bank telah memenuhi semua persyaratan yang The Bank has complied with all of the existing
ditetapkan dalam perjanjian untuk 31 Desember terms of the fund borrowing agreement for the
2023 dan 2022. Bank tidak memberikan jaminan December 31, 2023 and 2022. The Bank does not
apapun atas pinjaman ini. provide any collateral for this loan.
PT Bank Danamon Indonesia Tbk PT Bank Danamon Indonesia Tbk
Bank memiliki fasilitas Kredit Angsuran Berjangka Bank received "Kredit Angsuran Berjangka"
dari PT Bank Danamon Indonesia Tbk dengan Facilitiy from PT Bank Danamon Indonesia Tbk
plafon Rp1.500.000 yang memiliki jangka waktu with a plafond Rp1,500,000 and has period 3
3 (tiga) tahun sejak 28 September 2022 hingga (three) years since September 28, 2022 until
26 September 2025 dengan bunga 7,15%. September 26, 2025 with rate 7.15%.
Bank juga mendapatkan fasilitas kredit dari Bank also received Term Loan from PT Bank
PT Bank Danamon Indonesia Tbk dengan limit Danamon Indonesia Tbk with a plafond
Rp1.000.000. Jangka waktu kredit selama Rp1,000,000. The Term Loan has period 2 (two)
2 tahun dari tanggal 28 Maret 2022 sampai years of March 28, 2022 until March 28, 2024 with
dengan 28 Maret 2024 dengan tingkat suku interest rate 4,50% fixed rate.
bunga tetap 4,50%.
Selama masa pinjaman, Bank memiliki kewajiban During the borrowing period, the Bank is required
untuk menjaga agar kolektibilitas debitur pada to ensure that the debtor’s collectability for each
setiap kreditur dari debitur adalah tetap pada creditor of the debtor remains at collectability 1 in
kolektibilitas 1 sesuai aturan yang ditetapkan oleh accourdance with the rules set by Bank Indonesia.
Bank Indonesia.
Jumlah penerimaan dana dan pembayaran The total receipts and payments of Danamon
pembiayaan Danamon pada 31 Desember 2023 financing on December 31, 2023 and 2022 were
dan 2022 berturut-turut adalah sebesar Rp1.000.000, and Rp1.000.000, and Rp4.000.000,
Rp1.000.000 dan Rp1.000.000 serta Rp4.000.000 and Nil, respectively.
dan Nihil.
Bank telah memenuhi semua persyaratan yang The Bank has complied with all of the existing
ditetapkan dalam perjanjian untuk terms of the fund borrowing agreement for the
31 Desember 2023 dan 2022. Bank tidak December 31, 2023 and 2022. The Bank does not
memberikan jaminan apapun atas pinjaman ini. provide any collateral for this loan.
Lembaga Pengelola Dana Bergulir Koperasi Lembaga Pengelola Dana Bergulir Koperasi
dan Usaha Mikro, Kecil dan Menengah dan Usaha Mikro, Kecil dan Menengah
Bank mendapatkan pinjaman dari Lembaga Bank received borrowing facilities from Lembaga
Pengelola Dana Bergulir Koperasi dan Usaha Pengelola Dana Bergulir Koperasi dan Usaha
Mikro, Kecil dan Menengah (LPDB) dengan Mikro, Kecil dan Menengah with a total ceiling of
plafon sebesar Rp200.000. Pinjaman memiliki Rp200,000. The borrowing has period 5 (five)
jangka waktu 5 (lima) tahun setelah pencairan years after first disbursement. The first
pertama. Bank melakukan pencairan pertama disbursement is in September, 2019.
pada September 2019.
Pinjaman yang diberikan kepada Bank nantinya The borrowings are distributed to micro, small and
akan disalurkan sebagai kredit kepada Koperasi middle bussines. The portion of loans from the Bank
Usaha Mikro dan Menengah. Porsi penyaluran is 80% of the limit or Rp160,000, for micro, small
kredit dari Bank adalah 80% dari plafon atau and medium bussines and 40% or IDR40,000 for
Rp160.000, untuk Usaha Mikro Kecil dan the cooperative. The interest rate given from
Menengah dan 40% atau Rp40.000 untuk Lembaga Pengelola Dana Bergulir Koperasi dan
Koperasi. Tingkat suku bunga yang diberikan dari Usaha Mikro, Kecil dan Menengah for Bank is 5%
LPDB ke Bank sebesar 5% dan suku bunga dari and from Bank for micro, small and medium
Bank kepada Usaha Mikro dan Menengah bussines is a maximum 16% for annum.
sebesar maksimal 16% pertahun.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Jaminan atas pinjaman ini adalah jaminan fidusia The collateral for this loan is a fiduciary guarantee
atas piutang dengan kategori sehat dan tidak for receivables with category of healthy and is not
sedang dijaminkan kepada pihak manapun, being guaranteed to any party, with a minimum is
dengan nilai minimal sebesar 125% dari plafon 125% of the limit.
pinjaman.
Berdasarkan perjanjian pinjaman Bank Based on the loan agreement, Bank is required to
disyaratkan untuk memperhatikan dan menjaga maintain the financial health in accordance with
tingkat kesehatan keuangannya sesuai dengan Surat Edaran Otoritas Jasa Keuangan (SEOJK)
Surat Edaran Otoritas Jasa Keuangan (SEOJK) Number 14/SEOJK.03/2017 about Tingkat
Nomor 14/SEOJK.03/2017 tentang Tingkat Kesehatan Keuangan Bank Umum dengan tingkat
Kesehatan Keuangan Bank Umum dengan kesehatan minimal "SEHAT".
tingkat kesehatan minimal "SEHAT".
Jumlah penerimaan dana dan pembayaran Total receipts and payments of LPDB-KUMKM
pembiayaan LPDB-KUMKM selama tahun yang financing for the year ended on December 31, 2023
berakhir pada 31 Desember 2023 dan 2022 and 2022 were Rp14.524, and Rp39.259, and
berturut-turut adalah sebesar Rp14.524, dan Rp20.000, and Nil, respectively.
Rp39.259, serta Rp20.000 dan Nihil.
Bank berkewajiban melakukan pengembalian Over the period of borrowing, the Bank is required
pokok dilakukan secara bulanan, selambat- to repay its principal, before the 25th (twenty fifth) of
lambatnya pada tanggal 25 (dua puluh lima), each month, as required by the borrowing schedule
sesuai dengan jadwal angsuran pinjaman ke to the revolving fund account of LPDB-KUMKM.
Rekening Pengembalian Pokok Dana Bergulir
LPDB-KUMKM.
Bank telah memenuhi semua persyaratan yang The Bank has complied with all of the existing terms
ditetapkan dalam perjanjian untuk 31 Desember of the fund borrowing agreement for the years
2023 dan 2022. Bank tidak memberikan jaminan December 31, 2023 and 2022. The Bank does not
apapun atas pinjaman ini. provide any collateral for this loan.
PT Bank DKI PT Bank DKI
Bank mendapatkan fasilitas kredit dari PT Bank The Bank received term loan from PT Bank DKI with
DKI dengan limit Rp1.500.000. Jangka waktu a plafond Rp1,500,000. The Term Loan has period
kredit selama 2 (dua) tahun dari tanggal 2 (two) years from September 29, 2022 until
29 September 2022 sampai dengan 27 September 27, 2022 with interest rate is JIBOR
September 2024 dengan tingkat suku bunga 3 M + 0.65%.
pinjaman adalah JIBOR 3 M + 0,65%.
Selama masa pinjaman, Bank memiliki kewajiban During the borrowing period, the Bank is required to
untuk menyerahkan laporan keuangan tahunan provide audited financial statement no later than 180
yang telah diaudit oleh Kantor Akuntan Publik days after the closing date.
terdaftar OJK selambat-lambat 180 hari setelah
tanggal penutupan buku.
Bank mendapatkan fasilitas pinjaman untuk The Bank received term loan facility to to meet
tujuan memenuhi kebutuhan likuiditas. liquidity needs
Jumlah penerimaan dana dan pembayaran The total receipts and payments of DKI financing on
pembiayaan Bank DKI pada 31 Desember 2023 December 31, 2023 and 2022 were Nil and Nil, and
dan 2022 berturut-turut adalah sebesar Nihil dan Rp1,500,000, and Nil, respectively.
Nihil serta Rp1.500.000 dan Nihil
Bank telah memenuhi semua persyaratan yang The Bank has complied with all of the existing terms
ditetapkan dalam perjanjian untuk tahun 31 of the fund borrowing agreement as of December
Desember 2023 dan 2022. Bank tidak 31, 2023 and 2022. The Bank does not provide any
menjaminkan apapun atas pinjaman ini. collateral for this loan.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
PT Bank CIMB Niaga Tbk PT Bank CIMB Niaga Tbk
Berdasarkan persetujuan kredit No. 28 tanggal Based on the agreement No. 28 on March 23,
23 Maret 2018, BPR Intan Jabar memperoleh 2018 BPR Intan Jabar received a facility of
fasilitas Pinjaman modal kerja dari PT Bank CIMB Working Capital Loan from PT Bank CIMB Niaga
Niaga Tbk. Jumlah fasilitas kredit sebesar Rp Tbk. Ceiling of the facility is Rp15,000, with interest
15.000, dengan tingkat suku bunga sebesar 9% rate of 9% per annum for the period of 48 (fourty
per tahun, jangka waktu 48 (empat puluh eight) months, until March 23, 2022. The borrowing
delapan) bulan dan jatuh tempo pada tanggal facility is guaranteed by the Account Receivable of
23 Maret 2022. Pinjaman tersebut dijamin dengan the loan.
Piutang usaha yang berasal dari fasilitas kredit
yang diberikan.
Fasilitas kredit pada PT Bank CIMB Niaga Tbk Credit facility at PT Bank CIMB Niaga Tbk with
dengan nilai nominal Rp15.000 telah dilunasi oleh nominal value of Rp15,000 had been repaid by the
Bank pada tanggal jatuh tempo pada tanggal Bank on the due on March 23, 2022.
23 Maret 2022.
Berdasarkan persetujuan kredit No. 1792 tanggal Based on the agreement No. 1792 on December
30 Desember 2019, BPR Intan Jabar 30, 2019 BPR Intan Jabar received a facility of
memperoleh fasilitas Pinjaman modal kerja dari Working Capital Loan from PT Bank CIMB Niaga
PT Bank CIMB Niaga Tbk. Jumlah fasilitas kredit Tbk. Ceiling of the facility is Rp7,500, with interest
sebesar Rp7.500, dengan tingkat suku bunga rate of 10% per annum for the period of 72
sebesar 10% per tahun, jangka waktu 72 (tujuh (seventy two) months, until December 30, 2025.
puluh dua) bulan dan jatuh tempo pada tanggal The borrowing facility is guaranteed by the Account
30 Desember 2025. Pinjaman tersebut dijamin Receivable of the loan.
dengan piutang usaha yang berasal dari fasilitas
kredit yang diberikan.
Fasilitas kredit pada PT Bank CIMB Niaga Tbk Credit facility at PT Bank CIMB Niaga Tbk with
dengan nilai nominal Rp40.000 telah dilunasi oleh nominal value of Rp40,000 had been repaid by the
Bank pada tanggal jatuh tempo pada tanggal Bank on the due on September 6, 2022.
6 September 2022.
Fasilitas kredit pada PT Bank CIMB Niaga Tbk Credit facility at PT Bank CIMB Niaga Tbk with
dengan nilai nominal Rp40.000 telah dilunasi oleh nominal value of Rp40,000 had been repaid by the
Bank pada tanggal jatuh tempo pada tanggal Bank on the due on September 17, 2022.
17 September 2022.
Jumlah penerimaan dana dan pembayaran The total receipts and payments of PT Bank CIMB
pembiayaan PT CIMB Niaga Tbk pada 31 Niaga Tbk financing on December 31, 2023 and
Desember 2023 dan 2022 berturut-turut adalah 2022 were nil and Rp537, and Nil, and Nil,
sebesar Nihil dan Rp537 serta Nihil dan Nihil. respectively.
BPR Intan Jabar telah memenuhi semua BPR Intan Jabar has complied with all of the
persyaratan yang ditetapkan dalam perjanjian existing terms of the fund borrowing agreement as
pada tanggal 31 Desember 2023 dan 2022. Bank of December 31, 2023 and 2022. The Bank does
tidak menjaminkan apapun atas pinjaman ini. not provide any collateral for this loan.
PT Bank Oke Indonesia Tbk PT Bank Oke Indonesia Tbk
BPR Intan Jabar memperoleh fasilitas Kredit PT BPR Intan Jabar received a working capital
Modal Kerja dari PT Bank Oke Indonesia Tbk loan from PT Bank Oke Indonesia Tbk with a
dengan fasilitas kredit dengan plafon sebesar plafond of Rp40,000 as follows:
Rp40.000 dengan rincian sebagai berikut:
a. Berdasarkan Surat Perjanjian Pinjaman a. Based on the loan agreement
No. 086/BA/JKT/V/2017 tanggal 28 Mei 2017 No. 086/BA/JKT/V2017 dated May 28, 2017,
BPR Intan Jabar mendapatkan fasilitas BPR Intan Jabar received borrowing facility with
pinjaman dengan plafon Rp20.000. Pinjaman a plafond Rp20,000. The borrowing has period
memiliki jangka waktu 48 (empat puluh 48 (fourty eight) months. The interest rate is
delapan) bulan. Tingkat suku bunga pinjaman 10.75% per annum;
ini adalah 10,75% per tahun;
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Berdasarkan Surat Perjanjian Pinjaman b. Based on the loan agreement
No. 078/BOI/BD/IV/2018 tanggal 5 April 2018 No. 078/BOI/BD/IV/2018 dated April 5, 2018,
BPR Intan Jabar mendapatkan fasilitas BPR Intan Jabar received borrowing facility with
pinjaman dengan plafon Rp20.000. Pinjaman a plafond Rp20,000. The borrowing has period
memiliki jangka waktu 48 (empat puluh of 48 (fourty eight) monts. The interest rate is
delapan) bulan. Tingkat suku bunga pinjaman 10.50% per annum.
ini adalah 10,50% per tahun.
Pinjaman tersebut dijamin dengan piutang usaha The borrowing is guaranteed with accounts
yang berasal dari fasilitas kredit yang diberikan. receivables from credit facility provided.
BPR Intan Jabar telah memenuhi semua BPR Intan Jabar has complied with all of the
persyaratan yang ditetapkan dalam perjanjian existing terms of the fund borrowing agreement.
pinjaman.
Jumlah penerimaan dana dan pembayaran The total receipts and payments of PT Bank Oke
pembiayaan PT Bank Oke Indonesia Tbk pada 31 Indonesia Tbk financing on December 31, 2023
Desember 2023 dan 2022 berturut-turut adalah and 2022 were Rp138, and Nil, and Nil, and Nil,
sebesar Rp138 dan Nihil serta Nihil dan Nihil. respectively.
Fasilitas kredit pada PT Bank Oke Indonesia Tbk Credit facility at PT Bank Oke Indonesia Tbk with
dengan nilai nominal Rp15.000 telah dilunasi oleh nominal value of Rp15,000 had been repaid by
BPR Intan Jabar pada tanggal jatuh tempo pada BPR Intan Jabar on the due on August 7, 2022.
tanggal 7 Agustus 2022.
PT BPR Daya Lumbung Asia PT BPR Daya Lumbung Asia
PT BPR Intan Jabar memperoleh fasilitas Kredit PT BPR Intan Jabar received a working capital
Modal Kerja dari PT BPR Daya Lumbung Asia loan from PT BPR Daya Lumbung Asia with a limit
dengan fasilitas kredit dengan plafon sebesar of Rp6,000 as follows:
Rp6.000 dengan rincian sebagai berikut:
a. Berdasarkan Surat Perjanjian Pinjaman a. Based on the loan agreement No. 0119/BPR-
No. 0119/BPR-DLA/KREDIT/IV/2020 tanggal DLA/KREDIT/IV/2020 dated April 27, 2020,
27 April 2020 BPR Intan Jabar mendapatkan BPR Intan Jabar received borrowing facility with
fasilitas pinjaman dengan plafon Rp3.000. a plafond Rp3,000. The borrowing has period
Pinjaman memiliki jangka waktu 24 (dua puluh 24 (twenty four) months. The interest rate is
empat) bulan. Tingkat suku bunga pinjaman 5.93% per annum;
ini adalah 5,93% per tahun;
b. Pada tanggal 9 Juli 2020 BPR Intan Jabar b. On July 9, 2020, BPR Intan Jabar received
mendapatkan fasilitas pinjaman dengan plafon borrowing facility with a plafond of Rp2,000.
Rp2.000. Pinjaman memiliki jangka waktu The borrowing has period 24 (twenty four)
24 (dua puluh empat) bulan. Tingkat suku months. The interest rate is 5.79% per annum;
bunga pinjaman ini adalah 5,79% per tahun;
c. Pada tanggal 14 September 2020 BPR Intan c. On September 14, 2020, BPR Intan Jabar
Jabar mendapatkan fasilitas pinjaman dengan received borrowing facility with a plafond of
plafon Rp1.000. Pinjaman memiliki jangka Rp1,000. The borrowing has period 24 (twenty
waktu 24 (dua puluh empat) bulan. Tingkat four) months. The interest rate is 11.00% per
suku bunga pinjaman ini adalah 11,00% per annum.
tahun.
d. Berdasarkan Perjanjian Restrukturisasi Kredit d. Based on the loan restructuring agreement
No. 14 tanggal 26 Desember 2022, BPR Intan No. 14 dated December 26, 2022, BPR Intan
Jabar mendapat fasilitas restrukturisasi kredit Jabar received an existing loan restructuring
eksisting dengan plafon sebesar Rp3.000. facility with a plafond Rp3,000. The borrowing
Pinjaman memliki jangka waktu 60 (enam has period 60 (sixty) months. The interest rate
puluh) bulan. Tingkat suku bunga pinjaman is 9.00% per annum.
sebesar 9,00% efektif per tahun.
e. Berdasarkan Perjanjian Restrukturisasi Kredit e. Based on the loan restructuring agreement
No. 59 tanggal 26 Desember 2022, BPR Intan No. 59 dated December 26, 2022, BPR Intan
Jabar mendapat fasilitas restrukturisasi kredit Jabar received an existing loan restructuring
eksisting dengan plafon sebesar Rp5.000. facility with a plafond Rp5,000. The borrowing
Pinjaman memliki jangka waktu 60 (enam has period 60 (sixty) months. The interest rate
puluh) bulan. Tingkat suku bunga pinjaman is 9.00% per annum.
sebesar 9,00% efektif per tahun.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
f. Berdasarkan Perjanjian Restrukturisasi Kredit f. Based on the loan restructuring agreement No.
No. 36 tanggal 26 Desember 2022, BPR Intan 36 dated December 26, 2022, BPR Intan Jabar
Jabar mendapat fasilitas restrukturisasi kredit received an existing loan restructuring facility
eksisting dengan plafon sebesar Rp5.000. existing with a plafond Rp5,000. The borrowing
Pinjaman memliki jangka waktu 60 (enam has period 60 (sixty) months. The interest rate
puluh) bulan. Tingkat suku bunga pinjaman is 9.00% per annum.
sebesar 9,00% efektif per tahun.
Jumlah penerimaan dana dan pembayaran The total receipts and payments of PT BPR Daya
pembiayaan PT BPR Daya Lumbung Asia pada Lumbung Asia financing on December 31, 2023 and
31 Desember 2023 dan 2022 berturut-turut 2022 were Nil and Rp1.492, and Nil, and Rp8.814,
adalah sebesar Nihil dan Rp1.492 serta Nihil dan respectively.
Rp8.814
PT BPR Intan Jabar telah memenuhi semua PT BPR Intan Jabar has complied with all of the
semua persyaratan yang ditetapkan dalam existing terms of the fund borrowing agreement as
perjanjian untuk tahun 31 Desember 2023 dan of December 31, 2023 and 2022. PT BPR Intan
2022. PT BPR Intan Jabar tidak menjaminkan Jabar does not provide any collateral for this loan.
apapun atas pinjaman ini.
PT BPR Supra Artapersada PT BPR Supra Artapersada
PT BPR Intan Jabar memperoleh fasilitas Kredit PT BPR Intan Jabar received a working capital loan
Modal Kerja dari PT BPR Supra Artapersada from PT BPR Supra Artapersada with a limit of
dengan fasilitas kredit dengan plafon sebesar Rp10,000. Dated September 15, 2020, BPR Intan
Rp10.000. Pada tanggal 15 September 2020, Jabar received borrowing facility with a plafond
BPR Intan Jabar mendapatkan fasilitas Rp10,000. The borrowing has period of
pinjaman dengan plafon Rp10.000. Pinjaman 36 (thirty six) months. The interest rate is 11.75%
memiliki jangka waktu 36 (tiga puluh enam) bulan. per annum.
Tingkat suku bunga pinjaman ini adalah 11,75%
per tahun.
Berdasarkan Perjanjian Restrukturisasi Kredit Based on the loan restructuring agreement No. 58
No. 58 tanggal 14 September 2023, BPR Intan dated September 14, 2023, BPR Intan Jabar
Jabar mendapat fasilitas restrukturisasi kredit received an existing loan restructuring facility with a
eksisting dengan plafon sebesar Rp10.000. plafond Rp10,000. The borrowing has period 36
Pinjaman memliki jangka waktu 36 (tiga puluh (thirty six) months. The interest rate is 11,75% per
enam) bulan. Tingkat suku bunga pinjaman annum.
sebesar 11,75% efektif per tahun.
Berdasarkan Perjanjian Restrukturisasi Kredit Based on the loan restructuring agreement No. 26
No. 26 tanggal 14 September 2023, BPR Intan dated September 14, 2023, BPR Intan Jabar
Jabar mendapat fasilitas restrukturisasi kredit received an existing loan restructuring facility with a
eksisting dengan plafon sebesar Rp5.000. ceiling Rp5,000. The borrowing has period 36 (thirty
Pinjaman memliki jangka waktu 36 (tiga puluh six) months. The interest rate is 11,00% per annum.
enam) bulan. Tingkat suku bunga pinjaman
sebesar 11,00% efektif per tahun.
Jumlah penerimaan dana dan pembayaran The total receipts and payments of PT BPR Supra
pembiayaan PT BPR Supra Artapersada pada 31 Artapersada financing on December 31, 2023 and
Desember 2023 dan 2022 berturut-turut adalah 2022 were Nil, and Nil, and Nil, and Rp5.603,
sebesar Nihil dan Nihil serta Nihil dan Rp5.603 respectively.
PT BPR Intan Jabar telah memenuhi semua PT BPR Intan Jabar has complied with all of the
persyaratan yang ditetapkan dalam perjanjian existing terms of the fund borrowing agreement as
untuk 31 Desember 2023 dan 2022. PT BPR of December 31, 2023 and 2022. PT BPR Intan
Intan Jabar tidak menjaminkan apapun atas Jabar does not provide any collateral for this loan.
pinjaman ini.
PT Bank BTPN Tbk PT Bank BTPN Tbk
Bank mendapatkan fasilitas kredit dari PT Bank The Bank received Term Loan from PT Bank BTPN
BTPN Tbk dengan limit Rp1.000.000. Jangka Tbk with a plafond Rp1.000.000. The Term Loan
waktu kredit selama 1 (satu) tahun dari tanggal 28 has period 1 (one) years from December 28, 2023
Desember 2023 sampai dengan 28 Desember until December 28, 2024 with interest rate is
2024 dengan tingkat suku bunga pinjaman adalah JIBOR 3M + 0.25%.
JIBOR 3M + 0.25%.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Selama masa pinjaman, Bank memiliki kewajiban During the borrowing period, the Bank is required
untuk menyerahkan laporan keuangan tahunan to provide audited financial statement no later than
yang telah diaudit oleh Kantor Akuntan Publik 180 days after the closing date.
terdaftar OJK selambat-lambat 180 hari setelah
tanggal penutupan buku.
Persyaratan-persyaratan penting (financial The significant requirements (financial covenants)
covenants) dalam perjanjian pinjaman Bank in the Bank’s loan agreement include the following:
antara lain: a. Capital Adequacy Ratio (CAR) minimum of
a. Menjaga Capital Adequacy Ratio (CAR) 14.00%;
minimal sebesar 14.00%;
b. Menjaga maksimum Gross Non Performing b. Gross Non-Performing Loan (NPL) ratio
Loan (NPL) sebesar 5.00%; maximum of 5.00%;
c. Menjaga net income tahun berjalan dengan c. Net income for the current year with positive
angka positif numbers
Jumlah penerimaan dana dan pembayaran The total receipts and payments of PT Bank BTPN
pembiayaan PT Bank BTPN Tbk pada Tbk on December 31, 2023 and 2022 were
31 Desember 2023 dan 2022 berturut-turut Rp1.000.000, and Nil, and Nil, and Nil, respectively.
adalah sebesar Rp1.000.000 dan Nihil serta Nihil
dan Nihil.
Bank telah memenuhi semua semua persyaratan The Bank has complied with all of the existing
yang ditetapkan dalam perjanjian untuk tahun terms of the fund borrowing agreement as of
31 Desember 2023 dan 2022. Bank tidak December 31, 2023 and 2022. The Bank does not
menjaminkan apapun atas pinjaman ini. provide any collateral for this loan.
PT Bank Maybank Indonesia Tbk PT Bank Maybank Indonesia Tbk
Bank mendapatkan fasilitas kredit dari PT Bank The Bank received Term Loan from PT Bank
Maybank Indonesia Tbk dengan limit Rp500.000. Maybank Indonesia Tbk with a plafond Rp500.000.
Jangka waktu kredit selama 2 (dua) tahun dari The Term Loan has period 2 (two) years from
tanggal 28 Desember 2023 sampai dengan December 28, 2023 until December 28, 2025 with
28 Desember 2025 dengan tingkat suku bunga interest rate is JIBOR 3M + 0.65%.
pinjaman adalah JIBOR 3M + 0.65%.
Selama masa pinjaman, Bank memiliki kewajiban During the borrowing period, the Bank is required
untuk menyerahkan laporan keuangan tahunan to provide audited financial statement no later than
yang telah diaudit oleh Kantor Akuntan Publik 180 days after the closing date.
terdaftar OJK selambat-lambat 180 hari setelah
tanggal penutupan buku.
Bank mendapatkan fasilitas pinjaman untuk The Bank received Term Loan facility to meet
tujuan umum Bank. Persyaratan-persyaratan general purpose of Bank needs. The significant
penting (financial covenants) dalam perjanjian requirements (financial covenants) in the Bank’s
pinjaman Bank antara lain: loan agreement include the following:
a. Menjaga Capital Adequacy Ratio (CAR) a. Capital Adequacy Ratio (CAR) minimum of
minimal sebesar 14.00%; 14.00%;
b. Menjaga rasio maksimum Nett Non b. Nett Non-Performing Loan (NPL) ratio
Performing Loan (NPL) sebesar 4.00%; maximum of 4.00%;
c. Mematuhi hukum dan peraturan dari Bank c. Comply with laws and regulations from Bank
Indonesia dan/atau OJK atau institusi lainnya Indonesia and/or OJK or other institutions that
yang mengawasi debitur. supervise debtors.
Jumlah penerimaan dana dan pembayaran The total receipts and payments of PT Bank
pembiayaan PT Bank Maybank Indonesia Tbk Maybank Indonesia Tbk on December 31, 2023
pada 31 Desember 2023 dan 2022 berturut-turut and 2022 were Rp500.000 and Nil and Nil and Nil,
adalah sebesar Rp500.000 dan Nihil serta Nihil respectively.
dan Nihil.
Bank telah memenuhi semua persyaratan yang The Bank has complied with all of the existing
ditetapkan dalam perjanjian untuk tahun 31 terms of the fund borrowing agreement as of
Desember 2023 dan 2022. Bank tidak December 31, 2023 and 2022. The Bank does not
menjaminkan apapun atas pinjaman ini. provide any collateral for this loan.
Approval for Printing paraf:
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Page 806
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
25. Estimasi Kerugian Komitmen dan Kontinjensi 25. Estimated Losses on Commitments and
Contingencies
a. Estimasi kerugian komitmen dan a. Estimated losses on commitments and
kontinjensi contingencies
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah Rupiah
Fasilitas kredit yang belum
digunakan 13,043 9,864 Unused loan facility
Bank garansi 88 883 Bank guarantee
Total 13,131 10,747 Total
b. Perubahan estimasi kerugian komitmen dan b. Movements in the estimated losses on
kontinjensi commitments and contingencies
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Saldo awal 10,747 22,794 Beginning balance
Penyisihan selama tahun berjalan 6,506 1 Provision during the year
Pembalikan selama tahun berjalan (4,122) (12,048) Reversal during the year
Saldo akhir 13,131 10,747 Ending balance
Manajemen berpendapat bahwa jumlah estimasi Management believes that the above estimated
kerugian komitmen dan kontinjensi yang dibentuk losses on commitments and contingencies are
telah memadai. adequate.
26. Pajak Penghasilan 26. Income Tax
a. Utang pajak a. Taxes payable
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Bank Bank
Pajak penghasilan badan (Pasal 29) 29,675 87,764 Corporate Income tax (Article 29)
Pajak penghasilan badan (Pasal 25) 22,435 31,699 Corporate Income tax (Article 25)
Pajak penghasilan Income tax
Pasal 21 6,165 5,784 Article 21
Pasal 4(2) dan 23 14,827 8,093 Article 4(2) and 23
73,102 133,340
Entitas anak Subsidiary
Pajak penghasilan badan 64 705 Corporate Income tax (Article 29)
Pajak penghasilan Income tax
Pasal 21 2,566 361 Article 21
Pasal 4(2) dan 23 6,427 4,941 Article 4(2) and 23
9,057 6,007
Total 82,159 139,347 Total
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Beban (manfaat) pajak b. Tax expense (benefit)
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Bank Bank
Pajak kini 378,448 563,416 Current tax
Pajak tangguhan 50,163 4,920 Deferred tax
428,611 568,336
Entitas anak Subsidiary
Pajak kini 13,913 823 Current tax
Pajak tangguhan 2,666 21,177 Deferred tax
16,579 22,000
Neto 445,190 590,336 Net
Rekonsiliasi antara beban pajak penghasilan The reconciliation between the tax expense
dengan menggunakan tarif pajak yang berlaku dari computed by applying the applicable tax rate on
laba sebelum beban pajak dan beban pajak the income before tax expense and the tax
penghasilan seperti yang disajikan dalam laporan expense shown in the consolidated statement of
laba rugi dan penghasilan komprehensif profit or loss and other comprehensive income are
konsolidasian adalah sebagai berikut: as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Laba sebelum beban pajak 2,126,367 2,835,618 Income before tax expense
Laba sebelum beban pajak entitas anak 38,684 (43,645) Income before tax expense subsidiaries
Transaksi eliminasi (20,172) - Elimination transaction
Laba sebelum Income before tax
beban pajak (Bank) 2,144,879 2,791,973 expense (Bank only)
Pajak dihitung pada tarif Tax expense calculated at
pajak yang berlaku (19%) 407,527 530,475 prevailing tax rate (19%)
Pengaruh beban yang tidak
dapat dikurangkan (11,371) 37,861 Non-deductible expenses
Manfaat (beban) Tax benefit (expense)
pajak entitas anak 16,579 22,000 of subsidiaries
Dampak penyesuaian pajak tangguhan 32,455 - Impact of deferred tax adjustment
Beban pajak - neto 445,190 590,336 Tax expense - net
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Rekonsiliasi antara laba sebelum beban pajak The reconciliation between income before tax
menurut laporan laba rugi dan penghasillan expense, as shown in the statement of profit or
komprehensif lain dengan taksiran penghasilan loss and other comprehensive income, as follows:
kena pajak, adalah sebagai berikut:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Laba sebelum beban Income before tax
pajak (Bank) 2,144,879 2,791,973 expense (Bank only)
Beda waktu Timing differences
Reversal of allowance
Pembalikan kerugian kredit (39,977) (103,063) for loan losses
Penghargaan kerja 13,078 3,584 Gratuity
Penyisihan beban Corporate Provision for Corporate
Social Responsibility (31,711) 13,085 Social Responsibility
Penyisihan beban imbalan kerja pasti 4,688 71,769 Provision for defined employee benefits
Pembalikan kerugian
aset nonproduktif dan Reversal for possible
aset produktif selain losses on non-earning assets
kredit yang diberikan (6,566) 11,694 earning assets other than loans
Kerugian (keuntungan)
dari perubahan aset keuangan yang Loss (gain) from
diukur pada nilai wajar financial assets at
melalui laba rugi (59,115) (22,962) fair value through profit or loss
Aset hak guna dan liabilitas sewa 26,404 - Right of use assets and lease liability
(93,199) (25,893)
Beda tetap Permanent differences
Beban yang tidak dapat dikurangkan (59,850) 199,265 Non-deductible expenses
Laba kena pajak 1,991,830 2,965,345 Taxable income
Beban pajak penghasilan badan Corporate income tax expense
2023: 19% x Rp1.991.830 378,448 - 2023: 19% x Rp1.991.830
2022: 19% x Rp2.965.345 - 563,416 2022: 19% x Rp2.965.345
Dikurangi pajak dibayar dimuka (348,773) (475,652) Less prepaid tax
Utang pajak Corporate income tax
penghasilan 29,675 87,764 payable
Bank telah menyampaikan Surat Pemberitahuan The Bank has submitted the Annual Corporate
Tahunan untuk tahun 2022 sesuai dengan prinsip Income Tax Return for 2022 according to the self
self assessment pada Bulan April 2023. assessment principle in April 2023.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Aset (liabilitas) pajak tangguhan – neto c. Deferred tax assets (liabilities) – net
Perhitungan manfaat (beban) pajak tangguhan dan The computation of deffered tax benefit (expense)
aset pajak tangguhan adalah sebagai berikut: deffered tax assets are detailed below:
31 Desember 2022/ December 31, 2023
Diakui pada
Penyesuaian pajak penghasilan
tangguhan ke Diakui pada komprehensif
Penyesuaian pajak penghasilan laporan lain/
tangguhan ke laba rugi/ komprehensif lain/ laba rugi/ Recognized in
Adjustment on Adjustment on Recognized in other
1 Januari/ deferred tax deferred tax statement of comprehensive 31 Desember/
January 1 to profit or loss to OCI profit or loss income December 31
Entitas Induk Parent Entity
Penyisihan beban Corporate Social Provision for Corporate
Responsibility 26,406 -- -- (6,025) -- 20,381 Social Responsibility
Provision for defined
Penyisihan liabilitas imbalan kerja pasti 90,178 -- (38,395) 891 (198) 52,476 employee benefit liability
Penyisihan kerugian kredit (48,740) -- -- (7,596) -- (56,336) Provision for loan losses
Perubahan nilai wajar Changes in fair value of marketable
surat berharga yang diukur securities measured at fair value
melalui penghasilan komprehensif lain 97,447 -- -- -- (26,643) 70,804 through other comprehensive income
Perubahan nilai wajar Changes in fair value of marketable
surat berharga yang diukur securities measured at fair value
melalui laba rugi 1,705 -- -- (11,232) -- (9,527) through profit or loss
Pencadangan penghargaan direksi 9,636 -- -- 2,485 -- 12,121 Gratuity
Penyisihan kerugian Provision for losses
aset nonproduktif dan aset produktif on non-earning assets
selain dari kredit yang diberikan (180) -- -- (1,248) -- (1,428) and earning assets other than loan
Aset hak guna -- (143,573) -- 29,524 -- (114,049) Right of use assets
Liabilitas sewa -- 111,118 -- (24,507) -- 86,611 Lease liabilities
Entitas Induk 176,452 (32,455) (38,395) (17,708) (26,841) 61,053 Parent Entity
Entitas Anak 13,297 -- -- (2,666) (9,638) 993 Subsidiary
Aset Pajak Tangguhan - Neto 189,749 (32,455) (38,395) (20,374) (36,479) 62,046 Deferred Tax Assets - Net
31 Desember 2022/ December 31, 2022
Diakui pada
penghasilan
Diakui pada komprehensif
laporan lain/
Penyesuaian pajak laba rugi/ Recognized in
tangguhan/ Recognized in other
1 Januari/ Adjustment on statement of comprehensive 31 Desember/
January 1 deferred tax profit or loss income December 31
Entitas Induk Parent Entity
Penyisihan beban Corporate Social Provision for Corporate
Responsibility 23,920 -- 2,486 -- 26,406 Social Responsibility
Provision for defined
Penyisihan liabilitas imbalan kerja pasti 71,717 -- 13,636 4,825 90,178 employee benefit liability
Penyisihan kerugian kredit (29,161) -- (19,579) -- (48,740) Provision for loan losses
Perubahan nilai wajar Changes in fair value of marketable
surat berharga yang diukur securities measured at fair value
melalui penghasilan komprehensif lain (307) -- -- 97,754 97,447 through other comprehensive income
Perubahan nilai wajar Changes in fair value of marketable
surat berharga yang diukur securities measured at fair value
melalui laba rugi 6,068 -- (4,363) -- 1,705 through other comprehensive income
Pencadangan penghargaan kerja 8,957 -- 679 -- 9,636 Gratuity
Penyisihan kerugian Provision for losses
aset nonproduktif dan aset produktif on non-earning assets
selain dari kredit yang diberikan (2,402) -- 2,222 -- (180) and earning assets other than loan
Entitas Induk 78,792 -- (4,919) 102,579 176,452 Parent Entity
Entitas Anak 34,334 -- (21,177) 140 13,297 Subsidiary
Aset Pajak Tangguhan - Neto 113,126 -- (26,096) 102,719 189,749 Deferred Tax Assets - Net
Manajemen berkeyakinan bahwa aset pajak Management believes that deferred tax assets can
tangguhan dapat dipulihkan dan dikompensasikan be realized and can be compensated against
dengan laba fiskal pada masa mendatang. future taxable income.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
d. Pemeriksaan Pajak e. Tax Audit
Bank Bank
Pembayaran
yang diakui
sebagai Uang
muka Pajak/
Jenis Payment
Tahun pajak/ pajak/ Recognized as
Nomor/Number of SKP/STP Tax year Tax Type Nilai/amount Tax Advanced Status Terkini / Current Status
SKPKB PPh 4 (2) (18 Des 2017) 2014 PPh 4 (2) 10,995 10,995 Proses Permohonan Peninjauan Kembali/
Judicial Review Request Process
STP PPH PASAL 4 (2) (30 Apr 2021) 2014 PPh 4 (2) 10,995 10,995 Bagian Proses Permohonan Peninjauan Kembali/
Part of Judicial Review Request Process
SKPKB (27 Des 2018) 2015 PPh Badan 66,015 66,015 Proses Permohonan Peninjauan Kembali/
Judicial Review Request Process
STP PPH Badan (31 Jan 2022) 2015 PPh Badan 26,231 26,231 Bagian Proses Permohonan Peninjauan Kembali/
Part of Judicial Review Request Process
SKPKB PPh Badan (28 Jun 2021) 2019 PPh Badan 34,964 34,797 Proses Permohonan Banding /
Appeal Request Process
SKPKB PPh Badan (20 Nov 2023) 2018 PPh Badan 183,791 183,791 Proses Permohonan Keberatan /
Objection Request Process
SKPKB PPh 21 (20 Nov 2023) 2018 PPh 21 4,416 4,416 Proses Permohonan Keberatan /
Objection Request Process
SKPKB PPN (20 Nov 2023) 2018 PPn 5 5 Proses Permohonan Keberatan /
Objection Request Process
SKPKB PPN (20 Nov 2023) 2018 PPN 0.4 0.4 Proses Permohonan Keberatan /
Objection Request Process
Total 337,245 Total
Selain uang muka yang masih dalam sengketa In addition to advances that are still in dispute as
sebagaimana disebutkan di atas, terdapat lebih mentioned above, there are overpayments of
bayar atas PPh badan tahun 2019 sebesar corporate income tax for 2019 amounting to
Rp52.501 yang sedang dalam proses banding Rp52,501, which are in the process of appeal
(sebelumnya lebih bayar pajak SPT tahun 2019 (previously the 2019 tax overpayment amounted to
sebesar Rp65.671 dan telah dikembalikan Rp65,671 and was partially returned based on the
Sebagian atas hasil Keputusan pengadilan pajak tax court decision amounting to Rp13,170)
sebesar Rp13.170) (Catatan 18). (Note 18).
BJBS BJBS
Pada tahun 2018 BJBS menerima Surat Ketetapan In 2018, BJBS has received Tax Underpayment
Pajak Kurang Bayar (SKPKB) untuk pajak Letter (SKPKB) for various income tax Art 4(2), Art
penghasilan Pasal 4(2), Pasal 21, Pasal 23 dan 21, Art 23 and VAT for the fiscal year 2016
PPN tahun pajak 2016 sebesar Rp10.895.848. amounting to Rp10,895,848. Of the SKP, BJBS
Atas SKP tersebut BJBS mengajukan surat has submitted objection letter to the General
keberatan ke Direktur Jenderal Pajak dengan nilai Director of Taxes with a value of SKP.
sebesar SKP.
Pada tahun 2019, BJBS menerima Surat In 2019, the BJBS has received Decision of the
Keputusan Keberatan yang mengabulkan objection letter which granted the objection
keberatan sebesar Rp4.329.710, yang kasnya amounting to Rp4,329,710, which the cash has
telah diterima oleh BJBS. Atas keputusan tersebut, been received by the BJBS. Based on this
BJBS mengajukan Surat Banding kepada decision, the Bank submitted a Letter of Appeal to
Pengadilan Pajak sebesar Rp4.917.591 dan the Tax Court amounting to Rp4,917,591 and the
sisanya sebesar Rp1.648.547 dibebankan pada remaining Rp1,648,547 was charged to profit or
laba rugi tahun 2019. loss in 2019.
Pada tahun 2021, BJBS menerima Putusan In 2021, BJBS received Tax Court’s Decision
Pengadilan Pajak PUT-006168.16/2019/ PP/MXIIA PUT-006168.16/2019/PP/MXIIA year 2021 which
Tahun 2021 yang mengabulkan sebagian partially granted the BJBS’s appeal amounting to
permohonan banding BJBS Rp585.410, Rp585,410 while the rest of Rp4,332,181 is
sedangkan sisanya sebesar Rp4.332.181 charged in the current profit or loss.
dibebankan pada laba rugi periode berjalan.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Atas putusan Pengadilan Pajak, Direktorat Based on the decision of the Tax Court, the
Jenderal Pajak mengajukan Peninjauan Kembali Directorate General of Taxes submitted a Judicial
ke Mahkamah Agung berdasarkan surat Nomor S- Review to the Supreme Court based on letter
3591/PJ.07/2021. Number S-3591/PJ.07/2021.
Pada Tahun 2022, Mahkamah Agung In 2022, the Supreme Court issued a decision
mengeluarkan surat keputusan Nomor letter Number MPK-3663/PAN/2021, namely
MPK-3663/PAN/2021 yaitu menolak pengajuan refusing a request for review from the Directorate
peninjauan kembali dari Direktorat Jenderal Pajak. General of Taxes.
27. Bunga yang Masih Harus Dibayar dan 27. Interest Payable and Revenue Sharing
Bagi Hasil
31 Desember/December 31, 2023 31 Desember/December 31, 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currencies Rupiah/ currencies Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount ) Rupiah full amount ) Rupiah
Rupiah Rupiah
Simpanan nasabah 170,431 158,593 Deposits from customer
Efek utang yang diterbitkan 44,302 45,027 Debt securities issued
Pinjaman yang diterima 33,489 32,584 Borrowings
Bagi hasil syariah 17,735 15,589 Sharia profit sharing
Simpanan dari bank lain 1,215 2,307 Deposits from other banks
267,172 254,100
Dolar Amerika Serikat United States Dollar
Simpanan nasabah 1,170,294 18,019 3,859 60 Deposits from customer
Total 285,191 254,160 Total
28. Liabilitas Lain-Lain 28. Other Liabilities
31 Desember/December 31 , 2023 31 Desember/December 31 , 2022
Jumlah nosional Jumlah nosional
mata uang asing/ mata uang asing/
Notional amount Notional amount
in foreign Ekuivalen in foreign Ekuivalen
currencies Rupiah/ currencies Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount ) Rupiah full amount ) Rupiah
Rupiah Rupiah
Jasa produksi 341,049 441,819 Employee bonus
Setoran jaminan 93,673 84,337 Guarantee deposits
Dana Corporate Social Corporate Social
Responsibility 106,377 138,977 Responsibility fund
Provisi dan komisi Unearned provisions and
diterima dimuka 16,838 19,264 commision
Penghargaan kerja 63,804 50,726 Gratuity
Liabilitas sewa 512,507 448,901 Lease liabilities
Lain-lain 93,841 162,509 Others
1,228,089 1,346,533
Dolar Amerika Serikat United States Dollar
Setoran jaminan 92,015 1,417 92,015 1,432 Guarantee deposits
Lain-lain 110 2 - - Others
1,419 389,579
Total 1,229,508 1,347,965 Total
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Lain-lain terutama terdiri dari rekening titipan, Others mainly consist of entrusted account,
rekening dalam penyelesaian, dan titipan THR. accounts in process, and religious holiday
allowance.
29. Dana Syirkah Temporer 29. Temporary Syirkah Funds
a. Berdasarkan jenis dan mata uang a. By type and currency
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pihak-pihak berelasi (Catatan 43) Related parties (Note 43)
Rupiah Rupiah
Bukan bank Non - bank
Giro Mudharabah 1,740 3,176 Mudharabah current savings
Tabungan mudharabah 3,906 2,847 Mudharabah savings
Deposito mudharabah berjangka 3,670 1,125 Mudharabah time deposits
9,316 7,148
Pihak ketiga Third parties
Rupiah Rupiah
Bukan bank Non - bank
Giro mudharabah 1,428,716 820,450 Mudharabah current account
Tabungan mudharabah 1,602,938 1,654,435 Mudharabah savings
Deposito mudharabah berjangka 6,141,126 5,841,563 Mudharabah time deposits
9,172,780 8,316,448
Pihak ketiga Third parties
Rupiah Rupiah
Bank Bank
Giro mudharabah 14,261 10,273 Mudharabah current account
Tabungan mudharabah 13,269 14,434 Mudharabah savings
Deposito mudharabah berjangka 57,742 26,121 Mudharabah time deposits
85,272 50,828
Total 9,267,368 8,374,424 Total
b. Rincian deposito berjangka mudharabah b. Details of mudharabah time deposits by term
berdasarkan jangka waktu
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah Rupiah
Bukan bank Non - bank
1 bulan 3,693,701 3,782,198 1 month
3 bulan 1,406,055 1,299,598 3 months
6 bulan 714,269 359,930 6 months
12 bulan 309,600 380,615 12 months
Lebih dari 12 bulan 21,171 20,346 More than 12 months
6,144,796 5,842,687
Bank Bank
1 bulan 17,092 18,914 1 month
3 bulan 26,000 3,000 3 months
6 bulan 4,500 1,000 6 months
12 bulan 9,850 3,207 12 months
Lebih dari 12 bulan 300 - More than 12 months
57,742 26,121
Total 6,202,538 5,868,808 Total
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Tingkat bagi hasil deposito berjangka mudharabah c. Profit sharing rate from mudharabah time deposits
Deposito berjangka mudharabah merupakan Mudharabah time deposits are entitled to receive a
investasi pihak lain yang mendapatkan imbalan share in the income derived by the BJBS from the
bagi hasil dari pendapatan BJBS atas penggunaan use of such funds based on a pre-determined ratio.
dana tersebut dengan nisbah yang ditetapkan dan
disetujui sebelumnya.
Tingkat setara bagi hasil per tahun untuk deposito The annual profit sharing rate for mudharabah time
berjangka mudharabah adalah sebagai berikut: deposits are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
1 bulan 3.06% 2.71% 1 month
3 bulan 3.06% 2.71% 3 months
6 bulan 3.26% 2.89% 6 months
12 bulan 3.26% 2.89% 12 months
Lebih dari 12 bulan 3.26% 2.89% More than 12 months
30. Modal Saham 30. Share Capital
31 Desember/December 31, 2023 31 Desember/December 31, 2022
Jumlah lembar saham Persentase Jumlah lembar saham Persentase
Total dalam Total dalam
ditempatkan dan disetor kepemilikan/ ditempatkan dan disetor kepemilikan/
Pemegang Saham Rupiah/ Amount in Rupiah/ Amount in
penuh/ Number of shares Percentage of penuh/ Number of shares Percentage of
Rupiah Rupiah
issued and fully paid ownership issued and fully paid ownership
A PEMERINTAH DAERAH
2 Pemerintah Kota & Kab. se-Jawa Barat (lanjutan)
Kabupaten Sukabumi
Saham Seri A 86,889,260 21,722 86,889,260 21,722
Saham Seri B 6,028,743 1,507 6,028,743 1,507
Total Kabupaten Sukabumi 92,918,003 0.88% 23,229 92,918,003 0.88% 23,229
Kabupaten Subang
Saham Seri A 44,937,610 11,234 44,937,610 11,234
Saham Seri B - - - -
Total Kabupaten Subang 44,937,610 0.43% 11,234 44,937,610 0.43% 11,234
Kabupaten Indramayu
Saham Seri A 87,986,270 21,997 87,986,270 21,997
Saham Seri B 7,380,073 1,845 7,380,073 1,845
Total Kabupaten Indramayu 95,366,343 0.91% 23,842 95,366,343 0.91% 23,842
Kabupaten Bekasi
Saham Seri A 73,550,504 18,388 73,550,504 18,388
Saham Seri B 5,103,243 1,276 5,103,243 1,276
Total Kabupaten Bekasi 78,653,747 0.75% 19,664 78,653,747 0.75% 19,664
Kabupaten Sumedang
Saham Seri A 46,052,684 11,513 46,052,684 11,513
Saham Seri B 3,195,329 799 3,195,329 799
Total Kabupaten Sumedang 49,248,013 0.47% 12,312 49,248,013 0.47% 12,312
Kabupaten Bogor
Saham Seri A 202,523,232 50,631 202,523,232 50,631
Saham Seri B 14,051,915 3,513 14,051,915 3,513
Total Kabupaten Bogor 216,575,147 2.06% 54,144 216,575,147 2.06% 54,144
Kabupaten Cianjur
Saham Seri A 102,416,760 25,604 102,416,760 25,604
Saham Seri B - - - -
Total Kabupaten Cianjur 102,416,760 0.97% 25,604 102,416,760 0.97% 25,604
Kabupaten Kuningan
Saham Seri A 28,797,110 7,199 28,797,110 7,199
Saham Seri B 1,845,018 461 1,845,018 461
Total Kabupaten Kuningan 30,642,128 0.29% 7,660 30,642,128 0.29% 7,660
Kabupaten Majalengka
Saham Seri A 35,462,669 8,866 35,462,669 8,866
Saham Seri B 7,380,073 1,845 7,380,073 1,845
Total Kabupaten Majalengka 42,842,742 0.41% 10,711 42,842,742 0.41% 10,711
Kabupaten Garut
Saham Seri A 26,366,698 6,592 26,366,698 6,592
Saham Seri B 4,428,044 1,107 4,428,044 1,107
Total Kabupaten Garut 30,794,742 0.29% 7,699 30,794,742 0.29% 7,699
Kabupaten Purwakarta
Saham Seri A 51,219,171 12,805 51,219,171 12,805
Saham Seri B 5,904,059 1,476 5,904,059 1,476
Total Kabupaten Purwakarta 57,123,230 0.54% 14,281 57,123,230 0.54% 14,281
Kabupaten Bandung Barat
Saham Seri A 5,263,157 1,316 5,263,157 1,316
Saham Seri B 7,380,073 1,845 7,380,073 1,845
Total Kabupaten Bandung Barat 12,643,230 0.12% 3,161 12,643,230 0.12% 3,161
Kabupaten Pangandaran
Saham Seri A - - - -
Saham Seri B 2,656,826 664 2,656,826 664
Total Kabupaten Pangandaran 2,656,826 0.03% 664 2,656,826 0.03% 664
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2023 31 Desember/December 31, 2022
Jumlah lembar saham Persentase Jumlah lembar saham Persentase
Total dalam Total dalam
ditempatkan dan disetor kepemilikan/ ditempatkan dan disetor kepemilikan/
Pemegang Saham Rupiah/ Amount in Rupiah/ Amount in
penuh/ Number of shares Percentage of penuh/ Number of shares Percentage of
Rupiah Rupiah
issued and fully paid ownership issued and fully paid ownership
A PEMERINTAH DAERAH
3 Pemerintah Provinsi Banten
Saham Seri A 520,589,856 130,147 520,589,856 130,147
Saham Seri B - - - -
Total Provinsi Banten 520,589,856 4.95% 130,147 520,589,856 4.95% 130,147
4 Pemerintah Kota & Kab. se-Banten
Kota Tangerang
Saham Seri A 125,117,942 31,279 125,117,942 31,279
Saham Seri B 8,681,210 2,170 8,681,210 2,170
Total Kota Tangerang 133,799,152 1.27% 33,449 133,799,152 1.27% 33,449
Kota Cilegon
Saham Seri A 60,631,578 15,158 60,631,578 15,158
Saham Seri B 4,059,041 1,015 4,059,041 1,015
Total Kota Cilegon 64,690,619 0.61% 16,173 64,690,619 0.61% 16,173
Kota Tangerang Selatan
Saham Seri A - - - -
Saham Seri B 7,380,073 1,845 7,380,073 1,845
Total Kota Tangerang Selatan 7,380,073 0.07% 1,845 7,380,073 0.07% 1,845
Kota Serang
Saham Seri A - - - -
Saham Seri B 7,380,073 1,845 7,380,073 1,845
Total Kota Serang 7,380,073 0.07% 1,845 7,380,073 0.07% 1,845
Kabupaten Serang
Saham Seri A 151,092,304 37,773 151,092,304 37,773
Saham Seri B 10,332,103 2,583 10,332,103 2,583
Total Kabupaten Serang 161,424,407 1.53% 40,356 161,424,407 1.53% 40,356
Kabupaten Tangerang
Saham Seri A 289,306,189 72,327 289,306,189 72,327
Saham Seri B 20,073,282 5,018 20,073,282 5,018
Total Kabupaten Tangerang 309,379,471 2.94% 77,345 309,379,471 2.94% 77,345
Kabupaten Lebak
Saham Seri A 37,586,022 9,397 37,586,022 9,397
Saham Seri B 2,607,876 652 2,607,876 652
Total Kabupaten Lebak 40,193,898 0.38% 10,049 40,193,898 0.38% 10,049
Kabupaten Pandeglang
Saham Seri A 110,162,524 27,541 110,162,524 27,541
Saham Seri B - - - -
Total Kabupaten Lebak 110,162,524 1.05% 27,541 110,162,524 1.05% 27,541
B PUBLIK
Saham Seri A - - - -
Saham Seri B 2,572,850,355 643,213 2,572,850,355 643,213
Total Publik 2,572,850,355 24.45% 643,213 2,572,850,355 24.45% 643,213
TOTAL
Saham Seri A 7,414,714,661 1,853,679 7,414,714,661 1,853,679
Saham Seri B 3,106,729,025 776,682 3,106,729,025 776,682
Total 10,521,443,686 2,630,361 10,521,443,686 2,630,361
Pada tanggal 31 Desember 2023 dan 2022, saham Share capital as of December 31, 2023 and 2022,
Seri A khusus dimiliki oleh pemerintah pusat, Class A shares are specially owned by the central
pemerintah provinsi, kota dan kabupaten government, provinces, cities and districts while
sedangkan saham Seri B dimiliki oleh Direksi, the Class B shares are owned by board of director,
Dewan Komisaris, Karyawan, Masyarakat dan board of commissioner, employee, public, and
Pemerintah. Government.
Saham Seri A memiliki hak khusus dalam kuorum Series A Shares have special rights in the quorum
kehadiran dan persetujuan pada agenda Rapat of attendance and approval on the agenda of a
Umum Pemegang Saham tertentu, yaitu : certain General Meeting of Shareholders, namely:
1) pengangkatan, pemberhentian dan persetujuan 1) appointment, dismissal and approval of the
pengunduran diri Direksi dan Dewan Komisaris; resignation of the Board of Directors and Board
of Commissioners;
2) perubahan Anggaran Dasar, pengeluaran Efek 2) amendments to the Articles of Association,
bersifat Ekuitas atau perubahan Modal issuance of Equity Securities or changes to
ditempatkan dan disetor; issued and paid up Capital;
3) penyetoran saham dalam bentuk benda lain 3) deposit of shares in the form of other cash
uang, baik benda berwujud maupun benda objects, both tangible and intangible objects;
tidak berwujud; dan and
4) penggabungan, peleburan, pengambilalihan, 4) merger, consolidation, acquisition and
dan pemisahan serta pengajuan permohonan separation as well as submission of
agar Bank dinyatakan pailit dan pembubaran applications for the Bank to be declared
Bank bankrupt and the Bank to be dissolved.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31. Tambahan Modal Disetor 31. Additional Paid in Capital
Pada tanggal 31 Desember 2023 dan 2022, rincian As of December 31, 2023 and 2022, details of
tambahan modal disetor adalah sebagai berikut: additional paid in capital are as follows:
31 Desember 2023 dan 2022/
December 31, 2023 and 2022
Masyarakat 987,821 Public
Pemerintah Provinsi Jawa Barat 404,511 Pemerintah Provinsi Jawa Barat
Pemerintah Kab. Bandung 106,731 Pemerintah Kab. Bandung
Pemerintah Kab. Bogor 30,485 Pemerintah Kab. Bogor
Pemerintah Kab. Serang 22,606 Pemerintah Kab. Serang
Pemerintah Kab. Tangerang 22,181 Pemerintah Kab. Tangerang
Pemerintah Kota Tangerang 18,857 Pemerintah Kota Tangerang
Pemerintah Kab. Bandung Barat 16,839 Pemerintah Kab. Bandung Barat
Pemerintah Kab. Karawang 15,075 Pemerintah Kab. Karawang
Pemerintah Kab. Indramayu 14,653 Pemerintah Kab. Indramayu
Pemerintah Kab. Sukabumi 13,079 Pemerintah Kab. Sukabumi
Pemerintah Kab. Tasikmalaya 11,009 Pemerintah Kab.Tasikmalaya
Pemerintah Kota Tasikmalaya 9,530 Pemerintah Kota Tasikmalaya
Pemerintah Kota Bekasi 9,405 Pemerintah Kota Bekasi
Pemerintah Kota Bandung 8,894 Pemerintah Kota Bandung
Pemerintah Kota Cilegon 8,827 Pemerintah Kota Cilegon
Pemerintah Kab. Cirebon 8,448 Pemerintah Kab. Cirebon
Pemerintah Kab. Pandeglang 8,158 Pemerintah Kab. Pandeglang
Pemerintah Kab. Majalengka 8,155 Pemerintah Kab. Majalengka
Pemerintah Kota Tangerang Selatan 8,155 Pemerintah Kota Tangerang Selatan
Pemerintah Kota Serang 8,155 Pemerintah Kota Serang
Pemerintah Kota Cimahi 7,974 Pemerintah Kota Cimahi
Pemerintah Kota Depok 6,923 Pemerintah Kota Depok
Pemerintah Kab. Purwakarta 6,524 Pemerintah Kab. Purwakarta
Pemerintah Kota Sukabumi 5,801 Pemerintah Kota Sukabumi
Pemerintah Kab. Lebak 5,665 Pemerintah Kab. Lebak
Pemerintah Kab. Bekasi 5,639 Pemerintah Kab. Bekasi
Pemerintah Kab. Garut 4,893 Pemerintah Kab. Garut
Pemerintah Kab. Ciamis 4,485 Pemerintah Kab. Ciamis
Pemerintah Kab. Kuningan 4,166 Pemerintah Kab. Kuningan
Pemerintah Kota Bogor 3,583 Pemerintah Kota Bogor
Pemerintah Kab. Sumedang 3,531 Pemerintah Kab. Sumedang
Pemerintah Kab. Subang 3,318 Pemerintah Kab. Subang
Pemerintah Kota Banjar 3,180 Pemerintah Kota Banjar
Pemerintah Kab. Pangandaran 2,936 Pemerintah Kab. Pangandaran
Pemerintah Kota Cirebon 2,684 Pemerintah Kota Cirebon
Total 1,812,876 Total
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
32. Obligasi Subordinasi 32. Subordinated Bonds
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Obligasi Subordinasi Berkelanjutan I Continuing Subordinated Bonds I
Tahap I Bank Jabar Banten 693,000 693,000 of Bank Jabar Banten Phase I
Obligasi Subordinasi Berkelanjutan II Continuing Subordinated Bonds II
Tahap I Bank Jabar Banten 500,000 500,000 of Bank Jabar Banten Phase I
Obligasi Subordinasi Berkelanjutan II Continuing Subordinated Bonds II
Tahap II Bank Jabar Banten 500,000 500,000 of Bank Jabar Banten Phase II
Obligasi Subordinasi Berkelanjutan III Continuing Subordinated Bonds III
Tahap I Bank Jabar Banten 1,000,000 1,000,000 of Bank Jabar Banten Phase I
Obligasi Subordinasi Berkelanjutan III Continuing Subordinated Bonds III
Tahap II Bank Jabar Banten 1,000,000 1,000,000 of Bank Jabar Banten Phase II
3,693,000 3,693,000
Beban emisi obligasi
yang belum diamortisasi (14,151) (13,837) Unamortized bonds issuance cost
Total 3,678,849 3,679,163 Total
Obligasi Subordinasi Berkelanjutan I Tahap I Bank Continuing Subordinated Bonds I of Bank Jabar
Jabar Banten terdiri dari Seri B dengan nilai Banten Bonds Phase I consisted of Series B with
nominal Rp693.000 dengan suku bunga tetap nominal value of Rp693,000 with fixed interest rate
sebesar 9,90% per tahun yang dibayarkan setiap of 9.90% per annum which is payable every three
tiga bulan dan jangka waktu selama tujuh tahun months with a seven-year term; and are due on
dan akan jatuh tempo pada tanggal 6 Desember December 6, 2024.
2024.
Obligasi Subordinasi Berkelanjutan II Tahap I Bank Continuing Subordinated Bonds II of Bank Jabar
Jabar Banten terdiri dari: Banten Bonds Phase I consisted of:
1) Seri A dengan nilai nominal Rp132.000 1) Series A with nominal value of Rp132,000 with
dengan suku bunga tetap sebesar 8,60% per fixed interest rate of 8.60% per annum which is
tahun yang dibayarkan setiap tiga bulan dan payable every three months with a five-years
jangka waktu selama lima tahun dan akan term and are due on March 3, 2025;
jatuh tempo pada tanggal 3 Maret 2025;
2) Seri B dengan nilai nominal Rp368.000 2) Series B with nominal value of Rp368,000 with
dengan suku bunga tetap sebesar 9,35% per fixed interest rate of 9.35% per annum which is
tahun yang dibayarkan setiap tiga bulan dan payable every three months with a seven-year
jangka waktu selama tujuh tahun dan akan term and are due on March 3, 2027.
jatuh tempo pada tanggal 3 Maret 2027.
Obligasi Subordinasi Berkelanjutan II Tahap II Continuing Subordinated Bonds II of Bank Jabar
Bank Jabar Banten terdiri dari: Banten Bonds Phase II consisted of:
1) Seri A dengan nilai nominal Rp162.580 1) Series A with nominal value of Rp162,580 with
dengan suku bunga tetap sebesar 8,50% per fixed interest rate of 8.50% per annum which is
tahun yang dibayarkan setiap tiga bulan dan payable every three months with a five-year
jangka waktu selama lima tahun dan akan term and are due on November 17, 2025;
jatuh tempo pada tanggal 17 November 2025;
2) Seri B dengan nilai nominal Rp337.420 2) Series B with nominal value of Rp337,420 with
dengan suku bunga tetap sebesar 9,00% per fixed interest rate of 9.00% per annum which is
tahun yang dibayarkan setiap tiga bulan dan payable every three months with a seven-year
jangka waktu selama tujuh tahun dan akan term and are due on November 17, 2027.
jatuh tempo pada tanggal 17 November 2027.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Obligasi Subordinasi Berkelanjutan III Tahap I Continuing Subordinated Bonds III of Bank Jabar
Bank Jabar Banten terdiri dari: Banten Bonds Phase I consisted of:
1) Seri A dengan nilai nominal Rp379.000 1) Series A with nominal value of Rp379,000 with
dengan suku bunga tetap sebesar 7,85% per fixed interest rate of 7.85% per annum which is
tahun yang dibayarkan setiap tiga bulan dan payable every three months; with a five-year
jangka waktu selama lima tahun dan akan term; and are due on July 15, 2026;
jatuh tempo pada tanggal 15 Juli 2026;
2) Seri B dengan nilai nominal Rp621.000 2) Series B with nominal value of Rp621,000 with
dengan suku bunga tetap sebesar 8,60% per fixed interest rate of 8.60% per annum which is
tahun yang dibayarkan setiap tiga bulan dan payable every three months; with a seven-year
jangka waktu selama tujuh tahun dan akan term; and are due on July 15, 2028.
jatuh tempo pada tanggal 15 Juli 2028;
Obligasi Subordinasi Berkelanjutan III Tahap II Continuing Subordinated Bonds III of Bank Jabar
Bank Jabar Banten terdiri dari: Banten Bonds Phase II consisted of:
1) Seri A dengan nilai nominal Rp399.910 dengan 1) Series A with nominal value of Rp399,910 with
suku bunga tetap sebesar 7,85% per tahun fixed interest rate of 7.85% per annum which is
yang dibayarkan setiap tiga bulan dan jangka payable every three months; with a five-year
waktu selama lima tahun dan akan jatuh tempo term; and are due on June 9, 2027;
pada tanggal 9 Juni 2027;
2) Seri B dengan nilai nominal Rp600.090 2) Series A with nominal value of Rp600,090 with
dengan suku bunga tetap sebesar 8,60% per fixed interest rate of 8.60% per annum which is
tahun yang dibayarkan setiap tiga bulan dan payable every three months; with a seven-year
jangka waktu selama tujuh tahun dan akan term; and are due on June 9, 2029.
jatuh tempo pada tanggal 9 Juni 2029.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the rating of
peringkat obligasi subordinasi berkelanjutan ini the subordinated bonds based on Pefindo was
menurut Pefindo adalah idA+ dan idA+. idA+ and idA+.
Selama jangka waktu obligasi tersebut di atas, During the term of the above bonds, without the
tanpa ijin tertulis dari wali amanat, Bank tidak written permission of the trustee, the Bank is not
diperkenankan untuk: allowed to:
1) Menerbitkan obligasi atau instrumen utang 1) Issue bonds or other similar debt instruments
lainnya yang sejenis yang mempunyai which have a higher rank than the debt
kedudukan lebih tinggi dan pembayaran securities issued and whose payments are
didahulukan dari efek utang, kecuali prioritized over the debt securities issued,
pengeluaran obligasi atau instrumen utang lain except for the issue of bonds where the
yang sejenis yang tidak mempunyai jaminan collateral is not bound under the existing trust
khusus; maka Bank tidak memerlukan agreements; except for the issue of bonds or
persetujuan tertulis dari wali amanat, namun other similar debt instruments which do not
cukup menyampaikan pemberitahuan secara have specific collateral, then the Bank does
tertulis kepada wali amanat, segera setelah not need written permission from the trustee,
Bank mempunyai rencana untuk the Bank only required to submit written
mengeluarkan obligasi atau instrumen utang announcement to the trustee, right after the
lain yang sejenis tersebut; Bank’s plan to issue the bonds or other similar
debt instruments;
2) Mengurangi modal dasar dan modal disetor; 2) Reduce the authorized capital and paid-up
capital;
3) Melakukan penggabungan, konsolidasi, 3) Perform any merger, consolidation or
akuisisi dengan perusahaan lain yang acquisition with other companies which causes
menyebabkan bubarnya Bank, atau yang the liquidation of the Bank, or has a negative
mempunyai akibat negatif terhadap impact on the continuity of the Bank’s
kelangsungan usaha Bank, atau mengizinkan business, or to allow subsidiaries (if any) to
entitas anak (bila ada) untuk melakukan perform any merger, consolidation, and/or
penggabungan, konsolidasi, dan/atau akuisisi acquisition with other companies which would
dengan perusahaan lain yang menyebabkan cause the liquidation of the subsidiary (if any),
bubarnya entitas anak (bila ada) atau yang or have a negative impact on the continuity of
mempunyai akibat negatif terhadap the subsidiary’s business (if any), except if it is
kelangsungan usaha entitas anak (bila ada), conducted by the following criteria:
kecuali sepanjang dilakukan sesuai dengan
ketentuan sebagai berikut:
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
i. Semua syarat dan kondisi obligasi dalam i. All requirements and conditions of the
perjanjian perwaliamanatan dan dokumen bonds in the trustee agreement and other
lain yang berkaitan tetap berlaku dan related documents are still valid and
mengikat sepenuhnya perusahaan penerus completely bind the surviving company,
(surviving company), dan dalam hal Bank and in the case where the Bank is not a
bukan merupakan perusahaan penerus, surviving company, then all obligations
maka seluruh kewajiban obligasi telah related to the bond have been transferred
dialihkan secara sah kepada perusahaan legally to the surviving company, and the
penerus, dan perusahaan penerus tersebut surviving company have adequate assets
memiliki aktiva dan kemampuan and capability to guarantee the payment of
yang memadai untuk menjamin the bond and one of the surviving
pembayaran obligasi dan perusahaan company’s business line is engaged in
penerus tersebut salah satu bidang banking industry; or
usahanya adalah bergerak dalam bidang
perbankan; atau
ii. Disyaratkan oleh perundang-undangan ii. Is required by the prevailing law in
yang berlaku di Negara Republik Indonesia;
Indonesia;
4) Melakukan penjualan atau pengalihan aset 4) Sell or transfer the Bank’s fixed assets to other
tetap milik Bank kepada pihak manapun yang parties which in one year exceed 50% of all
dalam satu tahun berjalan melebihi 50% dari fixed assets owned by the Bank based on the
seluruh aset tetap milik Bank berdasarkan last audited financial statements, in one or
laporan keuangan terakhir yang diaudit, combined transaction, in 1 (one) year;
dalam satu transaksi atau gabungan transaksi
dalam 1 (satu) tahun berjalan;
5) Melakukan transaksi dengan pihak terafiliasi 5) Conduct transactions with affiliated parties,
kecuali bila transaksi tersebut dilakukan except if the transaction is performed with
dengan persyaratan yang menguntungkan terms and conditions which bring benefits to
Bank atau setidak-tidaknya sama dengan the Bank or at a minimum, similar to the terms
persyaratan yang diperoleh Bank dari pihak and conditions of transactions conducted with
ketiga yang bukan terafiliasi dalam transaksi third parties which are affiliated in common
yang lazim transactions
33. Penggunaan Laba 33. Distribution of Income
Penggunaan laba tahun buku 2022 ditetapkan Income distribution of the year 2022 was made
berdasarkan keputusan Rapat Umum Pemegang based on the General Shareholders' Meeting dated
Saham (RUPS) tanggal 4 April 2023 sebagaimana April 4, 2023 as stated in Notarial Deed No. 4 of
yang tercantum di dalam Akta Notaris No. 4 oleh R. Tendy Suwarman, SH.
R. Tendy Suwarman, SH.
Berdasarkan keputusan RUPS tersebut di atas, Based on the above General Shareholders'
penggunaan laba tahun 2022 dan 2021 ditetapkan Meeting, the distributions of income in 2022 and
sebagai berikut: 2021, were are follows:
Laba tahun berjalan/Income for the year
31 Desember/December 31,
2022 2021
Dividen 1,100,017 1,042,780 Dividend
Cadangan umum 685 971,495 General reserve
Jasa produksi dan beban Corporate Social Employee bonus and Corporate Social
Responsibility dibukukan sebagai beban pada laba Responsibility expenses are recorded as expense
rugi tahun berjalan. in the current year statement of profit.
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Page 819
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
34. Pendapatan Bunga dan Syariah 34. Interest and Sharia Income
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pendapatan Bunga Interest Income
Rupiah Rupiah
Kredit yang diberikan 11,525,355 11,020,502 Loans
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 258,162 435,552 and other banks
Current accounts with
Giro pada Bank Indonesia 81,444 63,248 Bank Indonesia
Current accounts with
Giro pada bank lain 1,484 1,690 other banks
Wesel ekspor dan tagihan lainnya 23,553 16,499 Bills and other receivables
Fair value
Nilai wajar melalui laba rugi through profit or loss
Surat berharga 120,071 164,730 Marketable securities
Biaya perolehan yang diamortisasi At amortized cost
Surat berharga 271,793 648,024 Marketable securities
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Surat berharga 955,632 440,920 Marketable securities
Mata uang asing Foreign currencies
Dolar Amerika Serikat United States Dollar
Kredit yang diberikan 17,254 5,839 Loans
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 23,929 13,532 and other banks
Wesel ekspor dan tagihan lainnya 8,429 5,546 Bills and other receivables
13,287,106 12,816,082
Pendapatan syariah Sharia income
Rupiah Rupiah
Syariah Sharia
Margin 460,359 436,167 Margin
Bagi Hasil 441,534 321,371 Profit Sharing
Pendapatan Sewa Ijarah 14,735 14,929 Ijarah lease income
916,628 772,467
Provisi dan Komisi Provision and Commissions
Provisi dan komisi 34,001 35,228 Provision and commissions
Provisi dan Komisi Syariah Sharia Provision and Commissions
Provisi dan komisi syariah 20,474 12,197 Sharia provision and commissions
Total 14,258,209 13,635,974 Total
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Page 820
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
35. Beban Bunga dan Bagi Hasil Syariah 35. Interest Expense and Sharia Profit Sharing
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Beban Bunga Interest Expense
Rupiah Rupiah
Simpanan nasabah 4,278,974 3,112,534 Deposits from customers
Pinjaman yang diterima 1,032,090 675,203 Borrowings
Efek utang yang diterbitkan 542,387 530,765 Debt securities issued
Premi penjaminan 257,285 264,985 Guarentee premium
Premi asuransi kredit 395,240 249,060 Loan insurance premium
Simpanan dari bank lain 136,187 37,502 Deposits from other banks
Lain-lain 121,178 112,139 Others
6,763,341 4,982,188
Mata uang asing Foreign currencies
Simpanan nasabah 78,657 11,810 Deposits from customers
Simpanan dari bank lain 803 - Deposits from other banks
79,460 11,810
6,842,801 4,993,998
Rupiah Rupiah
Bagi hasil syariah 351,786 233,998 Sharia profit sharing
351,786 233,998
Total 7,194,587 5,227,996 Total
36. Pendapatan Operasional Lainnya 36. Other Operating Income
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Provisi dan komisi selain dari Non-loan related provision and
kredit yang diberikan commissions
Rupiah Rupiah
Provisi dan komisi 1,157,083 1,013,852 Provision and commissions
Fee komitmen 33,438 34,302 Commitment fees
Dolar Amerika Serikat United States Dollar
Provisi dan komisi 5,910 2,960 Provision and commissions
Fee komitmen 1 1 Commitment fees
1,196,432 1,051,115
Keuntungan yang belum direalisasi dari Unrealized gain on changes in
perubahan nilai wajar surat berharga - neto 86,529 49,315 fair value of marketable securites - net
Penerimaan kembali kredit
yang telah dihapus buku 335,778 365,404 Recoveries from loans written-off
Keuntungan yang belum direalisasi dari Unrealized gain on changes in
perubahan nilai wajar penyertaan saham - neto 40,041 - fair value of investment shares - net
Keuntungan transaksi Gain from foreign exchange
valuta asing - neto 14,095 23,826 transactions - net
Lain-lain 249,380 150,028 Others
Total 1,922,255 1,639,688 Total
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Page 821
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
37. Beban Operasional Lainnya 37. Other Operating Expenses
Akun ini terdiri dari: This account consists of:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Beban umum dan administrasi General and administrative expenses
Gaji tenaga kerja kontrak 476,348 478,210 Contracted employee salaries
Promosi 425,401 423,031 Promotion
Penyusutan (Catatan 16) 333,579 304,928 Depreciation (Note 16)
Pemeliharaan dan perbaikan 314,466 299,124 Maintenance and repairs
Sewa (Catatan 16) 240,160 251,291 Rental (Note 16)
Fee konsultan 177,793 175,361 Consultant fees
Komunikasi 127,538 127,073 Communication
Alat tulis kantor 65,912 66,414 Office supplies
Biaya listrik, air, dan gas 59,341 58,657 Electricity, water, and gas
Perjalanan dinas 40,584 50,327 Business trip
Premi asuransi 25,183 31,721 Insurance premium
Amortisasi biaya efek-efek Amortized debt
yang diterbitkan 5,459 5,472 securities issued
Lain-lain 433,734 473,151 Others
2,725,498 2,744,760
Beban tenaga kerja dan tunjangan Salaries and employee benefits
Gaji dan upah 1,290,257 1,340,756 Salaries and wages
Tunjangan karyawan 914,158 1,399,460 Employee benefits
Jasa produksi 330,762 441,621 Employees bonus
Pendidikan dan pelatihan 45,491 60,330 Education and training
2,580,668 3,242,167
Penyisihan kerugian Provision for
penurunan nilai atas aset keuangan impairment losses on financial and
dan non keuangan - neto non-financial assets - net
Kredit yang diberikan 659,986 215,128 Loans
Pembiayaan dan piutang syariah 83,878 7,685 Sharia financing and receivable
Giro pada bank lain (11) (1) Current accounts with other banks
Surat berharga 6,101 (661) Marketable securities
Tagihan akseptasi (1,855) 753 Acceptances receivables
Penempatan pada bank lain (1,837) 1,072 Placements with other banks
746,262 223,976
Kerugian dari penjualan Loss on sale of
surat berharga - neto 23,164 92,808 marketable securities - net
Pembalikan kerugian komitmen Reversal of losses on commitment
dan kontinjensi (631) (13,192) and contingencies
Beban lainnya Others expenses
Corporate Social Responsibility 107,830 138,977 Corporate Social Responsibility
Operasional pemasaran 229,963 240,493 Marketing operations
Iuran 11,915 46,392 Contributions
Lain-lain 412,483 482,427 Others
762,191 908,289
Total 6,837,152 7,198,808 Total
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Page 822
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
38. Pendapatan (Beban) Non-Operasional 38. Non-Operating Income (Expenses)
Akun ini terdiri dari: This account consists of:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Pendapatan non-operasional Non-operating income
Pendapatan dividen 6,818 5,960 Dividend income
Lain-lain 20,742 27,615 Others
27,560 33,575
Beban non-operasional Non-operating expenses
Transfer payment (19,678) (24,885) Transfer payment
Lain-lain (30,240) (21,930) Others
(49,918) (46,815)
Total beban non operasional neto (22,358) (13,240) Total non operating expense - net
39. Komitmen dan Kontinjensi 39. Commitments and Contingencies
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Tagihan komitmen Commitments receivables
Fasilitas pinjaman yang belum di tarik 108,000 108,000 Unused loan facilities
Posisi valas yang akan diterima dari transaksi Forex positions to be received from spot
spot dan derivatif / forward 811,455 3,286,296 and derivative/forward transactions
Lainnya 8,265,019 6,997,082 Others
9,184,474 10,391,378
Liabilitas komitmen Commitments liabilities
Fasilitas kredit kepada debitur
yang belum digunakan (7,617,674) 5,887,321 Unused loan facilities
Posisi valas yang akan diterima dari transaksi Forex positions to be received from spot
810,136 3,269,175
s pot dan derivatif / forward and derivative/forward transactions
Irrevocable letters of credit Outstanding irrevocable
yang masih berjalan 440,345 553,324 letters of credit
Lainnya 8,789,656 7,541,741 Others
2,422,463 17,251,561
Tagihan kontinjensi Contingent receivables
Pendapatan Bunga Dalam Interest Receivable on non
Penyelesaian (PBDP) 280,401 - performing assets
Lainnya (7,888) 8,272 Others
272,513 8,272
Liabilitas kontinjensi Contingent liabilities
Garansi yang diterbitkan 1,075,969 1,183,057 Guarantees issued
1,075,969 1,183,057
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Page 823
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. Aset Keuangan dan Liabilitas Keuangan 40. Financial Assets and Financial Liabilities
Nilai wajar yang diungkapkan di bawah ini adalah The fair values disclosed below are based on
berdasarkan informasi relevan yang tersedia pada available relevant information at the consolidated
tanggal laporan posisi keuangan konsolidasian dan statement of financial position date and are not
tidak diperbaharui untuk mencerminkan perubahan updated to reflect changes in market conditions
dalam kondisi pasar yang telah terjadi setelah which have occurred after the date of the
tanggal laporan posisi keuangan konsolidasian. consolidated statement of financial position.
Tabel di bawah ini menyajikan nilai tercatat dan The tables below present the carrying amounts and
nilai wajar aset dan liabilitas keuangan Bank dan fair values of the Bank and its subsidiaries financial
entitas anak pada tanggal 31 Desember 2023 dan assets and liabilities as of December 31, 2023 and
2022. 2022.
31 Desember/December 31, 2023
Nilai wajar/
Nilai Tercatat/Carrying amount Fair value
Nilai wajar Kewajiban
melalui keuangan
penghasilan Nilai wajar pada biaya Total
Kredit yang Biaya komprehensif lain melalui perolehan nilai
diberikan perolehan Fair value laba rugi/ diamortisasi/ tercatat/ Total
dan piutang/ diamortisasi/ through other Fair value Financial Total nilai wajar/
Loans and Amortized comprehensive through liabilities at carrying Total fair
receivables cost income profit or loss amortized cost amount value
Aset Keuangan Financial Assets
Kas 3,530,074 - - - - 3,530,074 3,530,074 Cash
Current accounts with
Giro pada Bank Indonesia 14,879,767 - - - - 14,879,767 14,879,767 Bank Indonesia
Current accounts with
Giro pada bank lain 1,196,730 - - - - 1,196,730 1,196,730 other banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 3,886,693 - - - - 3,886,693 3,886,693 Indonesia and other banks
Surat berharga - 5,410,858 18,133,170 7,421,582 - 30,965,610 30,965,610 Marketable securities
Wesel Ekspor Bills and
dan tagihan lainnya 689,623 - - - - 689,623 689,623 other receivables
Kredit yang diberikan dan
pembiayaan dan Loans and sharia financing
piutang syariah***) 122,947,286 - - - - 122,947,286 122,947,286 and receivables***)
Tagihan akseptasi 288,425 - - - - 288,425 288,425 Acceptances receivable
Tagihan Derivatif - - - 1,289 - 1,289 1,289 Derivatif receivable
Penyertaan saham - - - 188,786 - 188,786 188,786 Investments in shares
Bunga yang masih - Accrued interest
akan diterima 1,367,656 - - - - 1,367,656 1,367,656 income
Aset lain-lain*) 17,871 - - - - 17,871 17,871 Other assets*)
148,804,125 5,410,858 18,133,170 7,611,657 - 179,959,810 179,959,810 Total financial assets
Liabilitas Keuangan Financial Liabilities
Liabilitas segera - - - - 2,212,830 2,212,830 2,212,830 Obligations due immediately
Simpanan nasabah dan Deposits from customers
simpanan nasabah and deposits from customer
syariah - - - - 127,426,703 127,426,703 127,426,703 sharia
Simpanan dari bank lain - - - - 2,541,540 2,541,540 2,541,540 Deposits from other banks
Liabilitas derivatif - - - - 23 23 23 Derivative payables
Liabilitas akseptasi - - - - 288,944 288,944 288,944 Acceptance liabilities
Efek hutang yang diterbitkan - - - - 957,991 957,991 957,991 Debts securities issued
Liabilitas atas efek-efek Liabilities from marketable
yang dijual dengan securities sold under
janji dibeli kembali - - - - 4,244,805 4,244,805 4,244,805 agreements to repurchase
Pinjaman yang diterima - - - - 20,323,823 20,323,823 20,323,823 Borrowings
Bunga yang masih harus Accrued interest expense
dibayar dan bagi hasil - - - - 285,191 285,191 285,191 and revenue sharing
Liabilitas lain-lain**) - - - - 499,943 499,943 499,943 Other liabilities**)
Total liabilitas keuangan - - - - 158,781,793 158,781,793 158,781,793 Total financial liabilities
*) Terdiri dari setoran jaminan dan aset ijarah *) Consist of security deposits and ijarah assets
**) Terdiri dari setoran jaminan, jasa produksi, dan **) Consist of security deposits, production service, and
penghargaan kerja gratuity
***) Nilai wajar untuk kredit yang diberikan, pembiayaan dan ***) Fair value for loans and sharia financing and
piutang syariah receivables
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Page 824
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Nilai wajar/
Nilai Tercatat/Carrying amount Fair value
Nilai wajar Kewajiban
melalui keuangan
penghasilan Nilai wajar pada biaya Total
Kredit yang Biaya komprehensif lain melalui perolehan nilai
diberikan perolehan Fair value laba rugi/ diamortisasi/ tercatat/ Total
dan piutang/ diamortisasi/ through other Fair value Financial Total nilai wajar/
Loans and Amortized comprehensive through liabilities at carrying Total fair
receivables cost income profit or loss amortized cost amount value
Aset Keuangan Financial Assets
Kas 3,300,031 - - - - 3,300,031 3,300,031 Cash
Current accounts with
Giro pada Bank Indonesia 13,032,593 - - - - 13,032,593 13,032,593 Bank Indonesia
Current accounts with
Giro pada bank lain 1,243,627 - - - - 1,243,627 1,243,627 other banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 7,154,674 - - - - 7,154,674 7,154,674 Indonesia and other banks
Surat berharga - 5,833,631 14,539,512 7,009,175 - 27,382,318 27,382,318 Marketable securities
Wesel Ekspor Bills and
dan tagihan lainnya 843,826 - - - - 843,826 843,826 other receivables
Tagihan atas efek-efek yang dibeli Marketable securities
dengan janji purchased under
dijual kembali 5,468,915 - - - - 5,468,915 5,468,915 agreement to resell
Kredit yang diberikan,
pembiayaan dan Loans and sharia financing
piutang syariah***) 113,963,914 - - - - 113,963,914 113,963,914 and receivables***)
Tagihan derivatif - - - 17,388 - 17,388 17,388 Derivative payable
Tagihan akseptasi 225,596 - - - - 225,596 225,596 Acceptances receivable
Penyertaan saham - - - 140,790 - 140,790 140,790 Investments in shares
Bunga yang masih Accrued interest
akan diterima 1,169,105 - - - - 1,169,105 1,169,105 income
Aset lain-lain*) 37,185 - - - - 37,185 37,185 Other assets*)
146,439,466 5,833,631 14,539,512 7,167,353 - 173,979,962 173,979,962 Total financial assets
Liabilitas Keuangan Financial Liabilities
Liabilitas segera - - - - 1,804,558 1,804,558 1,804,558 Obligations due immediately
Simpanan nasabah dan Deposits from customers
simpanan nasabah and deposits from customer
syariah - - - - 114,379,626 114,379,626 114,379,626 sharia
Simpanan dari bank lain - - - - 1,881,477 1,881,477 1,881,477 Deposits from other banks
Liabilitas akseptasi - - - - 163,983 163,983 163,983 Acceptance liabilities
Efek hutang yang diterbitkan - - - - 2,403,547 2,403,547 2,403,547 Debts securities issued
Pinjaman yang diterima 12,161,667 12,161,667 12,161,667 Borrowings
Bunga yang masih harus Accrued interest expense
dibayar dan bagi hasil - - - - 168,674 168,674 168,674 and revenue sharing
Liabilitas lain-lain**) 576,882 576,882 576,882 Other liabilities**)
Total liabilitas keuangan - - - - 133,540,414 133,540,414 133,540,414 Total financial liabilities
*) Terdiri dari setoran jaminan & aset ijarah *) Consist of security deposits & ijarah assets
**) Terdiri dari setoran jaminan, jasa produksi, dan **) Consist of security deposits, production service, and
penghargaan kerja gratuity
***) Nilai wajar untuk kredit yang diberikan dan pembiayaan ***) Fair value for loans and sharia financing and
receivables
Tabel di bawah ini menyajikan instrumen keuangan The tables below shows the financial instruments
yang diakui pada nilai wajar berdasarkan hierarki recognized at fair value based on the hierarchy
yang digunakan untuk menentukan dan used in determining and disclosing the fair value of
mengungkapkan nilai wajar dari instrumen financial instruments:
keuangan:
(i) Tingkat 1: dikutip dari harga pasar aktif untuk (i) Level 1: quoted (unadjusted) prices in active
aset atau liabilitas keuangan yang identik; markets for identical financial assets or
liabilities;
(ii) Tingkat 2: yang melibatkan input selain dari (ii) Level 2: those involving inputs other
harga pasar aktif yang dikutip yang termasuk than quoted prices included in Level 1
dalam tingkat 1 yang dapat diobservasi untuk that are observable for the asset or
aset dan liabilitas, baik secara langsung liability, either directly (as prices) or
(seperti harga) atau tidak langsung (turunan indirectly (derived from prices);
dari harga);
Approval for Printing paraf:
150
Page 825
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
(iii) Tingkat 3: input untuk aset dan liabilitas yang (iii) Level 3: those with inputs for the asset or
tidak didasarkan pada data yang dapat liability that are not based on observable
diobservasi di pasar (input yang tidak dapat market data (unobservable inputs).
diobservasi).
31 Desember/December 31, 2023
Tingkat/ Tingkat/ Tingkat/
Level 1 Level 2 Level 3 Total
Aset Keuangan Financial Assets
Nilai wajar melalui laba rugi Fair value through profit or loss
Obligasi 2,194,746 - - 2,194,746 Bonds
Reksadana 5,226,836 - - 5,226,836 Mutual funds
Nilai wajar melalui penghasilan Fair value through other
komprehensif lainnya comprehensive income
Obligasi 18,133,170 - - 18,133,170 Bonds
Biaya perolehan yang diamortisasi Amortised cost
Obligasi 5,422,215 - - 5,422,215 Bonds
Kredit yang diberikan, pembiayaan Loans and
dan piutang syariah 110,195,200 13,562,223 1,320,760 125,078,183 sharia financing and receivables
Tagihan Derivatif - 1,289 - 1,289 Derivative payable
Total Aset Keuangan 141,172,167 13,563,512 1,320,760 156,056,439 Total Financial Assets
Liablitas Keuangan Financial Liabilities
Pinjaman yang diterima - 20,323,823 - 20,323,823 Borrowings
Liabilitas derivatif - 23 - 23 Derivatifes payable
Efek hutang yang diterbitkan - 957,991 - 957,991 Debts securities issued
Total Liabilitas Keuangan - 21,281,837 - 21,281,837 Total Financial Liabilities
31 Desember/December 31, 2022
Tingkat/ Tingkat/ Tingkat/
Level 1 Level 2 Level 3 Total
Aset Keuangan Financial Assets
Nilai wajar melalui laba rugi Fair value through profit or loss
Obligasi 1,536,967 - - 1,536,967 Bonds
Reksadana 4,859,178 - - 4,859,178 Mutual Funds
Nilai wajar melalui penghasilan Fair value through other
komprehensif lainnya comprehensive income
Obligasi 15,147,287 - - 15,147,287 Bonds
Biaya perolehan yang diamortisasi Amortised cost
Obligasi 5,844,142 - - 5,844,142 Bonds
Kredit yang diberikan, pembiayaan Loans and
dan piutang syariah 69,453,360 28,938,900 17,363,340 115,755,600 sharia financing and receivables
Tagihan Derivatif - 17,388 - 17,388 Derivative payable
Total Aset Keuangan 96,840,934 28,956,288 17,363,340 143,160,562 Total Financial Assets
Liablitas Keuangan Financial Liabilities
Pinjaman yang diterima - 17,533,761 - 17,533,761 Borrowings
Liabilitas derivatif 2,207 2,207 Derivatifes payable
Efek hutang yang diterbitkan - 1,871,461 - 1,871,461 Debts securities issued
Total Liabilitas Keuangan - 19,407,429 - 19,407,429 Total Financial Liabilities
(i) Nilai wajar aset dan kewajiban keuangan (i) The fair values of certain financial assets and
tertentu, kecuali kredit yang diberikan, surat- liabilities, except for loans, marketable
surat berharga, efek utang yang diterbitkan, securities, marketable securities issued, and
dan pinjaman yang diterima mendekati nilai borrowings, approximate their carrying values
tercatatnya karena mempunyai jangka waktu due to their short-term maturities.
jatuh tempo yang singkat.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Estimasi nilai wajar terhadap aset keuangan The estimated fair values of certain financial
tertentu ditetapkan berdasarkan diskonto arus assets are determined based on discounted
kas dengan menggunakan suku bunga pasar cash flows using money market interest rates
uang yang berlaku untuk utang dengan risiko for instruments with similar credit risk and
kredit dan sisa jatuh tempo yang serupa. remaining maturities.
Estimasi nilai wajar terhadap kewajiban The estimated fair values of certain financial
keuangan tertentu yang tidak memiliki kuotasi obligations which are not quoted in an active
di pasar aktif ditetapkan berdasarkan diskonto market are determined based on discounted
arus kas dengan menggunakan suku bunga cash flows using interest rates of instruments
utang baru dengan sisa jatuh tempo yang with similar remaining maturities.
serupa.
(ii) Kredit yang diberikan (ii) Loans
Portofolio kredit secara umum terdiri dari kredit The credit portfolio generally consists of loans
yang diberikan dengan suku bunga with floating interest rates and short term loan
mengambang dan kredit yang diberikan with fixed interest rate. Loans are stated at
dengan suku bunga tetap. Kredit yang amortized cost. The fair value of loans shows
diberikan dinyatakan biaya perolehan yang the estimated value of discounted future cash
diamortisasi. Nilai wajar dari kredit yang flows expected to be received using current
diberikan menunjukkan nilai diskon dari market interest rates.
perkiraan arus kas masa depan yang
diharapkan akan diterima dengan
menggunakan suku bunga pasar.
Nilai tercatat dari kredit yang diberikan dengan Carrying value of loans with floating interest
suku bunga mengambang dan pinjaman rates and short-term loans with fixed interest
jangka pendek dengan suku bunga tetap rate are the reasonable estimate of fair values.
adalah perkiraan yang layak atas nilai
wajarnya.
(iii) Surat berharga (iii) Marketable securities
Nilai wajar untuk surat-surat berharga biaya The fair value for marketable securities at
perolehan yang diamortisasi ditetapkan amortized cost is determined based on market
berdasarkan harga pasar atau harga kuotasi price or quoted price of broker/dealer. If this
perantara (broker)/pedagang efek (dealer). information is not available, fair value is
Jika informasi ini tidak tersedia, nilai wajar estimated using quoted market prices of
diestimasi dengan menggunakan harga pasar securities with similar credit maturity and yield
kuotasi efek yang memiliki karakteristik kredit, characteristics or using internal valuation
jatuh tempo dan yield yang serupa atau model.
dengan menggunakan metode penilaian
internal.
(iv) Efek utang yang diterbitkan dan pinjaman (iv) Debt securities issued and borrowings
yang diterima
Nilai wajar agregat dihitung berdasarkan The aggregate fair value is calculated based
model diskonto arus kas menggunakan tingkat on discounted cash flow model using current
suku bunga pasar untuk sisa periode jatuh market rate for the remaining period to
temponya. maturity.
41. Imbalan Pasca Kerja dan Imbalan Jangka 41. Post Employment and Other Long Term
Panjang Lainnya Employment Benefits
Bank dan entitas anak memberikan imbalan pasca The Bank and its subsidiaries provides post-
kerja dan imbalan jangka panjang lainnya kepada employment and long-term benefits to all qualified
para karyawannya yang memenuhi syarat yang employees which consist of defined benefit
terdiri dari program pensiun manfaat pasti, pension plan, Old-age Benefit Plan (THT),
Tunjangan Hari Tua (THT), Penghargaan Masa Allowance for Gratuity for Services (PMK), Pension
Kerja (PMK), Masa Persiapan Pensiun (MPP), Cuti Preparation Period (MPP), Grand Leaves and
Besar dan Kompensasi PKWT. PKWT Compensation.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Program pensiun manfaat pasti Bank untuk The Bank‘s defined benefit pension plan for
karyawan Bank yang diangkat sebelum tahun 2008 employees registered before 2008, is managed by
dikelola oleh Dana Pensiun Karyawan Bank Jabar, Dana Pensiun Karyawan Bank Jabar and for new
sedangkan untuk karyawan yang diangkat sejak employees registered from 2008 onwards, is
tahun 2008 dikelola oleh DPLK Bank Jabar managed by DPLK Bank Jabar Banten. The
Banten. Kontribusi pegawai adalah sebesar 5,00% employee’s contribution is 5.00% of the employee’s
dari penghasilan dasar pensiun karyawan dan sisa pension base salary and the remaining amounts
jumlah yang diperlukan untuk mendanai program required to fund the plan are contributed by the
tersebut dikontribusi oleh Bank. Bank.
Program dana pensiun iuran manfaat yang terakhir The latest defined benefit pension plan regulation
ditetapkan berdasarkan Surat Keputusan Direksi as stipulated in Board of Directors’ Decision Letter
No.0787/SK/DIR-HCA/2021 tanggal 9 Desember No.0784/SK/DIR-HCA/2020 dated December 9,
2021 tentang peraturan Dana Pensiun dari Dana 2021 that the Pension Fund Regulation of the
Pensiun Bank Pembangunan Daerah Jawa Barat Pension Fund of Bank Pembangunan Daerah
dan Banten yang telah disahkan dengan Jawa Barat dan Banten which was approved by
Keputusan Dewan Komisioner OJK the decree of Board of Commissoner of Indonesia
No. Kep-12/NB.1/2022 tanggal 17 Februari 2022 Financial Services Authority No. Kep-12/NB.1/2022
tentang pengesahan atas peraturan Dana pensiun dated February 17, 2022 on Approval of the
dari Dana pensiun Bank Pembangunan Daerah Pension Fund’s Regulation of the Pension Fund of
Jawa Barat dan Banten. the Bank Pembangunan Daerah Jawa Barat dan
Banten.
Program Tunjangan Hari Tua per Juli 2022 The Old-age benefit plan as July 2022 has been
dilakukan pengalihan pengeloaan dari YKP bank change the diversion management from YKP bank
bjb ke DPLK bank bjb sesuai Berita Acara bjb to DPLK bank bjb according to Minutes number
nomor 0067/HCA-SKE/BA/2022 tanggal 8 Juli 0067/HCA-SKE/BA/2022 dated July 8, 2022. The
2022 tentang Penyesuaian Pengelolaan Program employee contribution is 5.00% of the employee's
Tunjangan Hari Tua. Kontribusi pegawai adalah basic retirement income (PhDP). Therefore,
sebesar 5,00% dari penghasilan dasar pensiun starting in 2023, the recording of old-age benefit
(PhDP) karyawan. Oleh karena itu, sejak tahun plan is included in the defined benefit pension plan.
2023, program Tunjangan Hari Tua dicatat
bersamaan dengan program Pensiun Manfaat
Pasti.
Program Penghargaan Masa Kerja dikelola sendiri Allowance for Gratuity for Services Program is self-
oleh Bank dan entitas anak dan diatur berdasarkan managed by the Bank and its subsidiaries and is
Surat Keputusan Direksi based on the latest PMK plan regulation which is
Nomor 0117/SK/DIR-HCA/2022 tanggal 16 Maret stipulated in the Directors’ Decision Letter
2022 tentang Standar Operasional dan Prosedur No. 0117/SK/DIR-HCA/2022 dated March 16, 2022
Pengelolaan Penghasilan dan Fasilitas about Operational Standard and Income
Kepegawaian. Imbalan PMK berupa pembayaran Management Procedures and Staffing Facilities.
yang jumlahnya sebesar 2 kali penghasilan dan The PMK benefit represents a payment amounting
3 kali penghasilan yang besarannya ditentukan to times from single salary and 3 times from single
dari single salary kepada pegawai dengan masa salary of the employee’s to employees with
kerja 15 tahun dan 25 tahun dengan syarat hasil working service periods of 15 and 25 years,
penilaian kinerja dua tahun terakhir berpredikat respectively. The qualifying employee is required to
baik. have good results in the performance of evaluation
for the last two years.
Program Masa Persiapan Pensiun dikelola sendiri Pension Preparation Period is self-managed by the
oleh Bank dan merupakan program imbalan kerja Bank and is an employee benefit plan for
bagi karyawan yang akan memasuki masa employees who will enter pension age.
pensiun.
Berdasarkan Perjanjian Kerja Bersama In accordance with the Collective Labor Agreement
Nomor 148/PKS/DIR-HCA/2021, ketentuan MPP Number 148/PKS/DIR-HCA/2021, MPP provisions
berlaku untuk pegawai yang telah berusia 50 (lima apply to Employees who are 50 (fifty) years of age
puluh) tahun atau lebih pada tanggal 01 Januari or more on January 1 2018 and have a normal
2018 dan memiliki usia pensiun normal 55 (lima retirement age of 55 (fifty five) years are given the
puluh lima) tahun diberikan Fasilitas MPP. Facility MPP. Implementation of the MPP for these
Pelaksanaan MPP bagi Pegawai tersebut selama Employees for 12 (twelve) months before the
12 (dua belas) bulan sebelum jatuh tempo usia retirement age is due.
Pensiun.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Namun apabila pegawai tersebut memilik usia However, if the employee has a retirement age of
pensiun 56 tahun karena menempati jabatan 56 years due to occupying a certain position, MPP
tertentu tidak diberikan fasilitas MPP. facilities will not be given.
Program Cuti Besar dikelola sendiri oleh Bank dan Grand leave program is self-managed by the Bank
merupakan program imbalan kerja bagi karyawan and is an employee benefit plan for replacement of
untuk penggantian hak cuti besar. grand leave rights.
Program Kompensasi PKWT dikelola sendiri oleh The PKWT Compensation Program is managed
Bank dan merupakan program imbalan kerja bagi solely by the Bank and is an employee benefit
pegawai PKWT yang telah berakhir masa kontrak program for PKWT employees whose work
kerja. contracts have ended.
Perhitungan aktuaria atas liabilitas imbalan kerja The actuarial calculation of long-term and post-
jangka panjang dan pasca kerja dihitung oleh employment benefit liabilities is calculated by an
aktuaria independen (PT Bestama Aktuaria saat ini independent actuarial (PT Bestama Aktuaria
bernama KKA Enny Diah Awal) untuk tahun currently named KKA Enny Diah Awal ) for the year
31 Desember 2023 dan 2022 dengan December 31, 2023 and 2022 using the projected
menggunakan metode projected unit credit. unit credit method. The actuarial calculations for
Perhitungan aktuaria untuk tahun-tahun yang the years ended on these dates are based on the
berakhir pada tanggal tersebut masing-masing actuarial reports dated December 29, 2023 and
berdasarkan laporan aktuaria 29 Desember 2023 January 13, 2023, repectively.
dan 13 Januari 2023.
Asumsi-asumsi utama yang digunakan dalam Key assumptions used in the actuarial calculation
perhitungan aktuaria adalah sebagai berikut: are as follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Asumsi ekonomi Economic assumptions
Tingkat diskonto per tahun Annual discount rate
Penghargaan Masa Kerja 6.7% - 7.8% 6.0% - 7.1% Allowance for gratuity for services
Masa Persiapan Pensiun 6.0% - 6.5% 3.4% - 4.2% Pension preparation period
Cuti Besar 7.3% - 6.8% 4.3% - 5.5% Grand leaves
Program pensiun 7.1% - 7.4% 7.6% - 7.8% Pension plan
THT - 7.5% - 7.8% Old-age benefit plan
Tingkat bunga imbal hasil investasi aset Investment yield of plan asset
Program pensiun 8.20% 8.20% Pension plan
THT 8.10% 8.10% Old-age benefit plan
Tingkat kenaikan penghasilan
dasar per tahun 6.0% 6.0% Annual salary growth rate
Asumsi lainnya TMII 2019/ TMII 2019/ Other assumptions
Tabel mortalitas TMII 2019/ TMII 2019/ Mortality table
Tingkat cacat 0.25% dari TMI III 2019/ 0.25% dari TMI III 2019/ Disability rate
0.25% of TMI III 2019/ 0.25% of TMI III 2019/
Usia pensiun normal 55 55 Normal retirement age
Tingkat pengunduran diri untuk usia: Retirement rate per year for ages:
18 - 44 tahun 1.00% 1.00% 18 - 44 years old
45 - 54 tahun 1.00% 1.00% 45 - 54 years old
Status aset (liabilitas) program imbalan kerja pada The employee benefits plan assets (liabilities)
tanggal-tanggal 31 Desember 2023 dan 2022 status as of December 31, 2023 and 2022 are as
adalah sebagai berikut: follows:
a. Biaya program imbalan kerja untuk tahun yang a. Employee benefits expenses for the years
berakhir pada tanggal-tanggal 31 Desember ended December 31, 2023 and 2022 are as
2023 dan 2022 adalah sebagai berikut: follows:
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember 2023/December 31, 2023
Program Program Program
Pensiun/ THT/ Lainnya/
Pension THT Other
Plan Benefit Plan Benefits Total
Biaya jasa kini (12,279) - (70,064) (82,343) Current service cost
Biaya bunga (64,970) - (17,049) (82,019) Interest cost
Laba aktuaria - - 19,751 19,751 Actuarial gain
Biaya jasa lalu - - 7,044 7,044 Past service cost
Imbal hasil atas aset program 78,621 - - 78,621 Return on plan assets
Bunga atas dampak batasan aset (13,202) - - (13,202) Interest of the asset ceiling
Total (11,830) - (60,318) (72,148) Total
31 Desember 2022/December 31, 2022
Program Program Program
Pensiun/ THT/ Lainnya/
Pension THT Other
Plan Benefit Plan Benefits Total
Biaya jasa kini (12,939) (19,191) (66,590) (98,720) Current service cost
Biaya bunga (65,484) (25,710) (9,817) (101,011) Interest cost
Laba aktuaria - - 339 339 Actuarial gain
Biaya jasa lalu - (61,961) 31,388 (30,573) Past service cost
Imbal hasil atas aset program 79,917 35,094 - 115,011 Return on plan assets
Bunga atas dampak batasan aset (13,918) (8,936) - (22,854) Interest of the asset ceiling
Total (12,424) (80,704) (44,680) (137,808) Total
b. Rekonsiliasi atas perubahan aset (liabilitas) b. Following are the reconciliation of the
imbalan kerja selama tahun berjalan adalah movements of employee benefit assets
sebagai berikut: (liabilities) during the years:
31 Desember 2023/December 31, 2023
Program Program Program
Pensiun/ THT/ Lainnya/
Pension THT Other
Plan Benefit Plan Benefits Total
Saldo awal - - (291,904) (291,904) Beginning balance
Beban tahun berjalan (11,830) - (60,318) (72,148) Current year expense
Pengukuran kembali liabilitas Reameasurement of employee
(aset) imbalan kerja - neto (204) - (843) (1,047) benefit liability (asset) - net
Pembayaran Imbalan - - 59,460 59,460 Actual benefits paid
Kontribusi pemberi kerja 12,034 - - 12,034 Employer’s contribution
Saldo akhir - - (293,605) (293,605) Ending balance
31 Desember 2022/December 31, 2022
Program Program Program
Pensiun/ THT/ Lainnya/
Pension THT Other
Plan Benefit Plan Benefits Total
Saldo awal - - (203,356) (203,356) Beginning balance
Beban tahun berjalan (12,424) (80,704) (44,680) (137,808) Current year expense
Pengukuran kembali liabilitas Reameasurement of employee
(aset) imbalan kerja - neto 1,453 55,883 (81,993) (24,657) benefit liability (asset) - net
Pembayaran Imbalan - - 38,125 38,125 Actual benefits paid
Kontribusi pemberi kerja 10,971 24,821 - 35,792 Employer’s contribution
Saldo akhir - - (291,904) (291,904) Ending balance
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Per tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the above
tidak ada aset yang diakui di laporan posisi assets were not recognized in the
keuangan konsolidasian karena ketentuan consolidated statement of financial position as
untuk pengakuan aset yang disyaratkan dalam the assets did not meet the recognition criteria
standar akuntansi tidak terpenuhi. under the accounting standards.
c. Mutasi nilai kini liabilitas pensiun adalah c. The movements in the present value of
sebagai berikut: retirement obligation are as follows:
31 Desember 2023/December 31, 2023
Program Program Program
Pensiun/ THT/ Lainnya/
Pension THT Other
Plan Benefit Plan Benefits Total
Saldo awal (907,142) - (291,904) (1,199,046) Beginning balance
Biaya jasa kini (15,105) - (70,064) (85,169) Current service cost
Biaya bunga (64,970) - (17,049) (82,019) Interest cost
Biaya jasa lalu - - 7,044 7,044 Past service cost
Beban pesangon - - 6,767 6,767 Annual leave obligation
Pembayaran Imbalan 61,071 - 59,460 120,531 Actual benefits paid
Laba aktuaria pada kewajiban (28,394) - 12,141 (16,253) Actuarial gain on obligation
Saldo akhir (954,540) - (293,605) (1,248,145) Ending balance
31 Desember 2022/December 31, 2022
Program Program Program
Pensiun/ THT/ Lainnya/
Pension THT Other
Plan Benefit Plan Benefits Total
Saldo awal (892,151) (598,303) (203,356) (1,693,810) Beginning balance
Biaya jasa kini (62,729) (25,520) (12,289) (100,538) Current service cost
Biaya bunga (18,282) (30,956) (64,119) (113,357) Interest cost
Biaya jasa lalu - (61,961) 31,388 (30,573) Past service cost
Kuartilment/Penyelesaian - - 2,766 2,766 Curtailment
Pembayaran Imbalan 61,051 18,987 38,125 118,163 Actual benefits paid
Laba aktuaria pada kewajiban 4,970 (28,618) (36,343) (59,991) Actuarial gain on obligation
Saldo akhir (907,141) (726,371) (243,828) (1,877,340) Ending balance
d. Mutasi nilai wajar aset program adalah d. The movements in the fair value of plan assets
sebagai berikut: are as follows:
31 Desember 2023/December 31, 2023
Program Program
Pensiun/ THT/
Pension THT
Plan Benefit Plan Total
Saldo awal 1,085,550 -- 1,085,550 Beginning balance
Hasil yang diharapkan atas
aset dana pensiun 78,621 -- 78,621 Expected return on plan assets
Kontribusi Bank 14,859 -- 14,859 Bank’s contribution
Imbalan yang dibayarkan (61,071) -- (61,071) Actual benefits paid
Laba aktuaria pada aset program 862 -- 862 Actuarial gain on plan asset
Saldo akhir 1,118,821 -- 1,118,821 Ending balance
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember 2022/December 31, 2022
Program Program
Pensiun/ THT/
Pension THT
Plan Benefit Plan Total
Saldo awal 1,075,283 794,852 1,870,135 Beginning balance
Hasil yang diharapkan atas
aset dana pensiun 79,917 35,094 115,011 Expected return on plan assets
Kontribusi Bank 13,560 36,396 49,956 Bank’s contribution
Imbalan yang dibayarkan (61,051) (18,987) (80,038) Actual benefits paid
Laba aktuaria pada aset program (22,158) (120,981) (143,139) Actuarial gain on plan asset
Saldo akhir 1,085,551 726,374 1,811,925 Ending balance
e. Pengukuran kembali (aset) liabilitas imbalan e. Remeasurement of net employee benefit
kerja neto (asset) liabilities
31 Desember 2023/December 31, 2023
Program Program Program
Pensiun/ THT/ Lainnya/
Pension THT Other
Plan Benefit Plan Benefits Total
Saldo awal (69,774) - (57,520) (127,294) Beginning balance
(Keuntungan) kerugian aktuaris (28,394) - 12,141 (16,253) Actuary (gain) loss
Imbal hasil atas aset program 862 - - 862 Return on plan assets
Perubahan atas dampak Change in effect of the
atas aset diluar bunga asset ceiling excluding net
neto aset/liabilitas 27,328 - - 27,328 interest of asset/liabilities
Saldo akhir (69,978) - (45,379) (115,357) Ending balance
31 Desember 2022/December 31, 2022
Program Program Program
Pensiun/ THT/ Lainnya/
Pension THT Other
Plan Benefit Plan Benefits Total
Saldo awal (66,492) (149,707) 32,922 (183,277) Beginning balance
(Keuntungan) kerugian aktuaris 4,970 (28,618) (36,558) (60,206) Actuary (gain) loss
Imbal hasil atas aset program (22,158) (120,981) - (143,139) Return on plan assets
Perubahan atas dampak Change in effect of the
atas aset diluar bunga asset ceiling excluding net
neto aset/liabilitas 18,641 205,482 - 224,123 interest of asset/liabilities
Saldo akhir (65,039) (93,824) (3,636) (162,499) Ending balance
f. Portofolio investasi aset program yang f. The asset program’s investment portfolio that
ditempatkan dalam bentuk instrumen placed in the form of bank’s financial
keuangan Bank terdiri dari surat berharga instruments consist of government securities,
negara, deposit on call, deposito berjangka, deposit on call, time deposits, shares of stocks,
saham, obligasi, unit penyertaan reksadana, bonds, mutual funds, asset-backed security,
efek beragunan aset dari kontrak investasi direct placement, land and building.
kolektif beragun aset, penempatan langsung,
tanah dan bangunan.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
g. Sensitivitas dari imbalan kerja terhadap g. The sensitivity of employee benefit to the
perubahan asumsi aktuaria sebagai berikut: changes in actuarial assumptions is as follow:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Tingkat Diskonto Discount Rate
Kenaikan 1% 1,013,206 1,510,170 Increase 1%
Penurunan 1% 1,210,039 1,687,725 Decrease 1%
Tingkat Gaji Salary Rate
Kenaikan 1% 1,152,988 1,564,524 Increase 1%
Penurunan 1% 1,061,521 1,528,650 Decrease 1%
h. Jatuh tempo kewajiban dana manfaat pasti h. The maturity of defined benefit plan obligation
pada tanggal 31 Desember 2022 dan 2021 as of December 31, 2022 and 2021 is as
adalah sebagai berikut: follows:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Dalam waktu 12 bulan berikutnya Within next 12 months
(periode laporan tahun berikutnya) 174,284 182,925 (the next annual reporting period)
Antara 2 dan 5 tahun 283,964 350,800 Between 2 and 5 years
Di atas 5 tahun 525,474 881,824 Beyond 5 years
Total 983,722 1,415,549 Total
42. Laba Per Saham Dasar 42. Basic Earnings Per Share
Laba per saham dasar dihitung dengan membagi Earnings per share are computed by dividing
laba periode/tahun berjalan yang dapat income for the period/year attributable to the equity
diatribusikan kepada pemilik entitas induk dengan holders of the parent entity by the weighted
rata-rata tertimbang jumlah saham biasa yang average number of outstanding common stock
beredar pada tahun bersangkutan. during the year.
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Laba tahun berjalan yang Income for the year
dapat diatribusikan kepada attributable to equity holders
pemilik entitas induk 1,778,395 2,304,376 of the parent entity
Rata-rata tertimbang jumlah Weighted average number
saham biasa yang beredar of outstanding common stock
(jumlah penuh) 10,521,443,686 10,521,443,686 (full amount)
Laba per saham Basic earnings
dasar (nilai penuh) 169.03 219.02 per share (full amount)
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
43. Transaksi dengan Pihak-Pihak Berelasi 43. Related Party Transactions
Dalam kegiatan normal usaha, Bank dan entitas In the normal course of business, the Bank and its
anak melakukan transaksi dengan pihak berelasi subsidiaries enters into certain transactions with
karena hubungan kepemilikan dan/atau parties which are related to the management
kepengurusan. Semua transaksi dengan pihak- and/or owned by the same ultimate shareholder.
pihak berelasi telah dilakukan dengan kebijakan All transactions with related parties have met the
dan syarat yang telah disepakati bersama. agreed terms and conditions.
Pihak-pihak berelasi/ Sifat hubungan istimewa/ Transaksi/
No. Related parties Nature of relationship Transaction
1 Pemerintah Provinsi Jawa Barat/ Pemegang saham pengendali/ a. Giro/Demand deposits
The Government of the West Controlling shareholders b. Simpanan nasabah/
Java Province Deposits from customers
c. Kredit yang diberikan/Loans
2 Manajemen kunci/Key Hubungan pengendalian a. Kredit yang diberikan/Loans
management personnel kegiatan b. Simpanan nasabah/Deposits from
perusahan/Relation customers
through control in the
Bank’s operation
3 BPR dan PD-LPK/BPR Hubungan kepemilikan a. Penyertaan saham/Investment in
and PD-LPK melalui pemerintah provinsi shares
dan kabupaten/Ownership b. Simpanan dari bank lain/Deposits
relation through province from other banks
and regional government
4 PT Asuransi Bangun Hubungan kepemilikan a. Asuransi aset tetap/
Askrida melalui pemerintah provinsi Fixed asset Insurance
dan kabupaten/Ownership
relation through province
and regional government
Tabel berikut menunjukkan jumlah agregat dari The following tables show the aggregate amounts
transaksi pihak yang berelasi (selain manajemen of transactions with related parties (except for key
kunci) pada tanggal 31 Desember 2023 dan 2022: management) as of December 31, 2023 and 2022:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Aset Assets
Kredit yang diberikan (Catatan 12) 710,248 466,150 Loans receivables (Note 12)
Pembiayaan dan piutang syariah (Catatan 13) 10,881 -- Sharia financing and receivable (Note 13)
Penyertaan saham (Catatan 15) 190,089 142,093 Investment in shares (Note 15)
Total aset dari pihak Total assets from
berelasi 911,218 608,243 related parties
Cadangan kerugian penurunan Allowance for impairment losses
nilai dari pihak-pihak berelasi (12,403) (10,040) for related parties
Total aset dari pihak Total assets from related
berelasi - neto 898,815 598,203 parties - net
Persentase total aset pihak Percentage of total assets from
berelasi terhadap related parties to
total aset 0.48% 0.33% total assets
Liabilitas Liabilities
Simpanan nasabah dan simpanan Deposits from customer and
nasabah syariah (Catatan 20) 6,401,824 9,884,863 deposits from customer - sharia (Note 20)
Simpanan dari bank lain (Catatan 21) 86,755 96,339 Deposits from other banks (Note 21)
Dana syirkah temporer (Catatan 29) 9,316 7,148 Temporary syirkah fund (Note 29)
Total liabilitas dan dana Total liabilities and
syirkah temporer kepada temporary syirkah
pihak-pihak berelasi 6,497,895 9,988,350 fund to related parties
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Persentase total liabilitas Percentage of total liabilities
dan dana syirkah temporer and temporary syirkah fund
pihak berelasi terhadap to related parties to total
total liabilitas dan total dana liabilities and temporary
syirkah temporer 3.76% 6.00% syirkah fund
Pendapatan bunga dan Interest income and income
bagi hasil from profit sharing
Kredit yang diberikan dan Loans and sharia financing
pembiayaan dan piutang syariah (Catatan 34) 47,821 26,866 and receivables (Note 34)
Total pendapatan bunga dan
syariah dari pihak Total interest income and income
berelasi 47,821 26,866 from sharia from related parties
Persentase terhadap total Percentage to total interest
pendapatan bunga dan syariah 0.34% 0.20% and sharia income
Beban bunga Interest expense
Simpanan nasabah, simpanan Deposits from customer, deposits from
nasabah syariah, dan dana syirkah sharia customer, and temporary
temporer (Catatan 35) 365,711 282,771 syirkah fund (Note 35)
Simpanan dari bank lain (Catatan 35) 1,690 2,665 Deposits from other banks (Note 35)
Total beban bunga
dari pihak berelasi 367,401 285,436 Total interest expense from related parties
Persentase terhadap total
beban bunga 5.29% 5.46% Percentage to total interest expense
44. Kepentingan Non-Pengendali 44. Non-Controlling Interest
Rincian bagian kepentingan non-pengendali atas Details of non-controlling interests proportionate
aset neto dan laba periode/tahun berjalan entitas share in the net assets and income for the
anak yang dikonsolidasi adalah sebagai berikut: period/year of the consolidated subsidiaries are as
follows:
31 Desember/December 31, 2023 31 Desember/December 31, 2022
Kepentingan non-pengendali Kepentingan non-pengendali
pada entitas anak yang pada entitas anak yang
dikonsolidasi/non-controlling dikonsolidasi/non-controlling
interest in consolidated interest in consolidated
subsidiaries subsidiaries
Laba tahun Laba tahun
berjalan/ berjalan/
Aset neto/ Income for Aset neto/ Income for
Net asset the year Net asset the year
Entitas anak Subsidiaries
PT Bank Jabar Banten PT Bank Jabar Banten
Syariah 10,528 480 (3,171) 771 Syariah
PT BPR Intan Jabar (122,484) (97,630) (38,021) (61,452) PT BPR Intan Jabar
PT Karya Utama Jabar - - 26,558 2,020 PT Karya Utama Jabar
PT BJB Sekuritas PT BJB Sekuritas
Jawa Barat 1,782 (68) 1,545 (433) Jawa Barat
Neto (110,174) (97,218) (13,089) (59,094) Net
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
45. Informasi Segmen Usaha 45. Segment Information
Bank mempertimbangkan jenis usaha sebagai The Bank considers the nature of its business as
segmen utama dan lokasi geografis sebagai the primary segment and geographical areas as
segmen sekunder. the secondary segment.
Informasi yang berkaitan dengan segmen usaha Information concerning the primary segment of the
yang utama dari Bank dan entitas anak disajikan Bank and its subsidiaries is set out in the table
dalam tabel di bawah ini: below:
31 Desember/December 31, 2023
Konvensional/ Syariah/ Eliminasi/
Conventional Sharia Elimination Total
Pendapatan segmen 13,322,032 937,001 (824) 14,258,209 Segment income
Beban segmen (7,684,649) (363,064) 853,126 (7,194,587) Segment expenses
Pendapatan segmen - neto 5,637,383 573,937 852,302 7,063,622 Segment Income - net
Pendapatan operasional
lainnya 1,883,579 38,705 (29) 1,922,255 Other operating income
Penyisihan kerugian penurunan Provision for impairment
nilai atas aset keuangan losses on financial and
dan nonkeuangan (703,089) (63,345) 20,172 (746,262) non-financial assets
Pembalikan kerugian Reversal of losses on
komitmen dan commitment and
kontinjensi 631 - - 631 contingencies
Beban operasional lainnya (6,697,863) 606,342 - (6,091,521) Other operating expenses
Laba operasional 120,641 1,155,639 872,445 2,148,725 Income from operations
Pendapatan (beban) bukan Non-operating income
operasional - neto (27,898) 5,540 - (22,358) (expenses) - net
Beban pajak - neto (461,770) 16,580 - (445,190) Tax expense - net
Laba (rugi) tahun berjalan (369,027) 1,177,759 872,445 1,681,177 Income (expense) for the year
Total aset 176,534,191 13,649,880 (1,888,583) 188,295,488 Total assets
31 Desember/December 31, 2022
Konvensional/ Syariah/ Eliminasi/
Conventional Sharia Elimination Total
Pendapatan segmen 12,845,427 793,700 (3,153) 13,635,974 Segment income
Beban segmen (4,986,855) (244,294) 3,153 (5,227,996) Segment expenses
Pendapatan segmen - neto 7,858,572 549,406 - 8,407,978 Segment Income - net
Pendapatan operasional
lainnya 1,607,843 31,845 - 1,639,688 Other operating income
Penyisihan kerugian penurunan Provision for impairment
nilai atas aset keuangan losses on financial and
dan nonkeuangan (214,785) (9,191) - (223,976) non-financial assets
Pembalikan kerugian Reversal of losses on
komitmen dan commitment and
kontinjensi 12,049 1,143 - 13,192 contingencies
Beban operasional lainnya (6,545,092) (442,932) - (6,988,024) Other operating expenses
Laba operasional 2,718,587 130,271 - 2,848,858 Income from operations
Pendapatan (beban) bukan Non-operating income
operasional - neto (18,053) 4,813 - (13,240) (expenses) - net
Beban pajak - neto (569,219) (21,117) - (590,336) Tax expense - net
Laba (rugi) tahun berjalan 2,131,315 113,967 - 2,245,282 Income (expense) for the year
Total aset 170,743,998 12,445,811 (1,948,518) 181,241,291 Total assets
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
46. Risiko Kredit 46. Credit Risk
Sesuai dengan karakteristiknya, kredit yang ada di In accordance with the loan characteristics, the
Bank dan entitas anak saat ini terbagi dalam kredit Bank and its subsidiaries’ loan portfolios are
produktif dan kredit konsumtif. Untuk mengelola classified into productive loans and consumer
risikonya, Bank dan entitas anak mengukur risiko loans. In order to manage the risk, the Bank and its
kredit dari portofolio yang ada baik secara kuantitatif subsidiaries measure credit risk arising from the
maupun secara kualitatif. Hal ini untuk memastikan existing portfolios quantitatively and qualitatively to
kemungkinan kerugian dari tidak dibayarnya ensure that the potential losses from default loans
pinjaman yang diberikan menjadi seminimal are minimized, both for individual borrowers and the
mungkin, baik untuk debitur individual maupun overall portfolio.
secara keseluruhan.
Sistem dan prosedur kredit Bank dan entitas anak The Bank and its subsidiaries’ credit system and
telah dibakukan untuk menjamin diterapkannya procedures have been formalized to ensure
kebijakan dan pelaksanaan pemberian pinjaman consistent implementation and policy in credit
secara konsisten. Untuk kredit produktif, Bank dan approval. For productive loans, the Bank and its
entitas anak menggunakan model Internal Credit subsidiaries use the Internal Credit Risk Rating
Risk Rating untuk menganalisis risiko bisnis dan model to analyze the business and financial risks of
finansial dari debitur secara objektif dan memberikan debtors objectively and to give ratings to debtors. In
rating kepada nasabahnya. Selain itu, Bank dan addition, the Bank and its subsidiaries also use
entitas anak juga menggunakan Credit Risk Capital Credit Risk Capital Allocation and Pricing in
Allocation and Pricing untuk menguantifikasi risiko quantifying credit risk and determining the
kredit dan menentukan harga yang sesuai appropriate pricing.
berdasarkan risiko kredit.
Untuk kredit konsumtif maupun produktif, Bank dan For both consumer loans and productive loans, the
entitas anak menggunakan model Internal Credit Bank and its subsidiaries uses the internal Credit
Scoring untuk menganalisis dan menghitung risiko Scoring model to analyze and calculate the credit
dari pemberian kredit kepada konsumer. risk for consumer.
Dalam rangka menerapkan prinsip pemberian kredit To implement a healthy credit granting process, the
yang sehat, Bank dan entitas anak menerapkan Bank and its subsidiaries apply the Four Eyes
prinsip Four Eyes (pengambilan keputusan kredit Principle (credit decision-making by two persons or
yang dilakukan oleh dua orang atau lebih) pada more) at each branch office by using Credit Scoring
setiap kantor cabang dengan penggunaan Credit and Credit Reviewer.
Scoring dan Credit Reviewer.
Berikut ini adalah rasio kredit bermasalah/non- The following are the non-performing loans (NPL)
performing loans (NPL) tidak termasuk pembiayaan ratios not include sharia financing and the earnings
syariah dan rasio kualitas aset produktif Bank dan asset quality ratio of the Bank and its subsidiaries
entitas anak (konsolidasian): (consolidated):
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rasio NPL-bruto 1.48% 1.25% NPL ratio - gross
Rasio NPL-neto 0.67% 0.73% NPL ratio - net
Rasio kualitas aset produktif (tidak diaudit) 0.85% 0.85% Earnings assets quality ratio (unaudited)
Rasio kualitas aset produktif merupakan rasio aset Earnings asset quality ratio is the ratio of assets
yang diklasifikasikan sebagai non-performing classified as non-performing to total earning
dibandingkan dengan jumlah aset produktif. assets.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Sistem pengelolaan manajemen risiko kredit Bank The Bank and its subsidiaries credit risk
dan entitas anak telah dibakukan dalam suatu management system has been standardized in the
ketentuan Pedoman Perusahaan (PP) dan dikaji Bank’s Guidelines and reviewed periodically.
secara periodik.
(i) Analisis eksposur maksimum terhadap risiko (i) Analysis on maximum exposures against
kredit setelah memperhitungkan dampak credit risks after considering the impact of
agunan dan mitigasi risiko kredit lainnya: collateral and other credit risks mitigation:
Nilai tercatat dari aset keuangan Bank selain The carrying value of the Bank’s financial
kredit yang diberikan dan efek-efek yang dibeli assets other than loans and marketable
dengan janji dijual kembali menggambarkan securities purchased under agreement to
eksposur maksimum atas risiko kredit. resell represents its maximum exposure to
credit risk.
Tabel di bawah ini menunjukkan net maximum The table bellow show the net maximum
exposure atas risiko kredit untuk efek-efek exposure to credit risk of marketable securities
yang dibeli dengan janji dijual kembali pada purchased under agreement to resell as of
tanggal 31 Desember 2023 dan 2022: December 31, 2023 and 2022:
31 Desember/December 31, 2023
Eksposur Maksimum/ Net Eksposur/
Maximum Exposure Agunan/Collateral Nett Exposure
3,129,032 3,118,291 10,741
31 Desember/December 31, 2022
Eksposur Maksimum/ Net Eksposur/
Maximum Exposure Agunan/Collateral Nett Exposure
5,468,915 5,491,896 -
Bank menetapkan jenis dan nilai agunan yang The Bank determined the type and value of
dijaminkan sesuai skema kredit dan perkiraan collateral according to the loan scheme as well
tingkat risiko kredit dari counterparty sebagai as estimated credit risk level from the
second way out yang ditetapkan. Jenis dari counterparty as a determined second way out.
agunan terdiri dari: The types of collateral are as follows:
a) Physical collateral, berupa tanah dan a) Physical collateral, such as land and
bangunan; buildings;
b) Financial collateral, berupa simpanan b) Financial collateral, such as third party
(tabungan, giro, dan deposito), surat funds (saving deposits, current accounts,
berharga, dan lain-lain; and time deposits), securities, etc;
c) Lainnya berupa garansi, lembaga c) Others, such as guarantees, guarantee
penjamin, dan lain-lain. institution, etc.
Pemberian kredit yang dilaksanakan oleh The loan granting conducted by the Bank is
Bank diatur dalam kebijakan dan prosedur stipulated in the loan policy and procedure in
perkreditan dimana untuk setiap jenis atau which every loan type or scheme has
skema kredit telah ditentukan agunan minimal minimum determinable collaterals that should
yang harus dipenuhi. be fulfilled.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Untuk segmen kredit komersial, sesuai For commercial loans segment, according to
ketentuan perkreditan wajib dijamin oleh the loan policy has to be collateralized
agunan yang memadai. Agunan dapat berupa adequately. The collaterals can be physical
physical collateral, financial collateral atau collateral, financial collateral or others such as
lainnya berupa tagihan usaha atau garansi. accounts receivable or guarantees. All
Untuk seluruh agunan khususnya physical collaterals particularly for physical collateral
collateral akan dilakukan taksasi yang akan will be assessed in which the collateral’s
dipergunakan dalam menentukan kecukupan liquidation value will be use in determining the
nilai agunan (coverage ratio). coverage ratio.
Selain aspek agunan untuk meminimalkan In addition collateral aspect to minimize credit
risiko kredit, pemberian kredit oleh Bank selalu risk, loan granting is conducted based on
dilakukan berdasarkan evaluasi dan analisis evaluation and feasibility analysis so that the
kelayakan sehingga kemampuan loan repayment ability (first way out) can be
pengembalian kredit (first way out) dapat ascertained.
dipastikan.
Adanya keharusan bagi debitur untuk The necessity for debtors to comply with
memenuhi agunan yang dipersyaratkan, collaterals requirement, loan feasibility
evaluasi atas kelayakan kredit, pengikatan evaluation, notarial agreement and pre
kredit secara legal dan prosedur pre-screening screening procedures will decrease the Bank’s
akan menurunkan eksposur risiko kredit Bank credit risk exposure to the acceptable level.
ke tingkat yang layak dan dapat diterima.
Manajemen yakin akan kemampuan Bank dan Management believes on the Bank and its
entitas anak untuk mengendalikan dan subsidiaries’ abilities to control and maintain
memelihara eksposur risiko kredit yang their credit risk exposure arising from loans
berasal dari kredit yang diberikan berdasarkan based on the following:
hal-hal sebagai berikut:
• Bank dan entitas anak telah memiliki • The Bank and its subsidiaries has written
pedoman tertulis mengenai kebijakan dan guidelines regarding credit policies and
proses kredit yang mencakup seluruh processes that cover all aspects of loans
aspek pemberian kredit yang dilakukan. granted. Each granting of credit should
Setiap pemberian kredit harus senantiasa always refer to such policy;
mengacu pada kebijakan tersebut;
• Bank dan entitas anak telah memiliki • The Bank and its subsidiaries has an early
sistem deteksi dini masalah melalui “early problem detection system through ‘early
warning system” dan pemantauan yang warning system’ and disciplined
disiplin. monitoring.
(ii) Konsentrasi risiko aset keuangan konsolidasi (ii) Concentration of consolidated financial asset
dengan eksposur risiko kredit risk with credit risk exposure
a) Sektor geografis a. Geographic sector
Tabel berikut menggambarkan rincian The following tables describe the details of
eksposur kredit Bank dan entitas anak the Bank and its subsidiaries’ credit
pada nilai tercatat (tanpa exposures at the carrying amount (without
memperhitungkan agunan atau pendukung calculating collateral or other credit
kredit lainnya), yang dikategorikan support), which are categorized according
berdasarkan area geografis pada tanggal to geographic areas as of
31 Desember 2023 dan 2022. December 31, 2023 and 2022.
Untuk tabel ini, Bank dan entitas anak telah This table displays that the Bank and its
mengalokasikan eksposur area subsidiaries have identified exposure by
berdasarkan wilayah geografis tempat geographical area where they are
mereka beroperasi. operating.
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Page 839
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2023
Jawa Sumatera Kalimantan Sulawesi Bali Total
Giro pada Current accounts with
Bank Indonesia 14,879,767 - - - - 14,879,767 Bank Indonesia
Current accounts with
Giro pada bank lain 1,178,359 3 11,590 3,097 3,738 1,196,787 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 3,886,989 - - - - 3,886,989 and other banks
Tagihan derivatif 1,289 - - - - 1,289 Derivative receivable
Surat-surat berharga 30,976,967 - - - - 30,976,967 Marketable securities
Wesel Ekspor Bills and
dan tagihan lainya 678,400 10,929 - 645 - 689,974 other receivable
Tagihan akseptasi 288,944 - - - - 288,944 Acceptances receivable
Kredit yang diberikan
dan pembiayaan Loans and sharia
syariah 118,085,281 3,479,213 1,144,679 1,637,102 731,908 125,078,183 financing
Penyertaan saham 190,089 - - - - 190,089 Investment in shares
Bunga yang masih Accrued interest
akan diterima 1,302,598 26,209 8,567 4,763 25,519 1,367,656 income
Aset lain-lain*) 17,871 - - - - 17,871 Other assets*)
Total kotor 171,486,554 3,516,354 1,164,836 1,645,607 761,165 178,574,516 Total - gross
Cadangan kerugian Allowance for
penurunan nilai (2,144,780) impairment losses
Total neto 176,429,736 Total net
31 Desember/December 31, 2022
Jawa Sumatera Kalimantan Sulawesi Bali Total
Giro pada Current accounts with
Bank Indonesia 11,900,072 - - - - 11,900,072 Bank Indonesia
Current accounts with
Giro pada bank lain 2,684,386 3 2,654 1,338 2,916 2,691,297 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 11,428,774 11,428,774 and other banks
Tagihan derivatif 3,967 - - - - 3,967 Derivative receivable
Surat-surat berharga 16,978,899 - - - - 16,978,899 Marketable securities
Efek-efek yang Receivable from marketable
dibeli dengan janji securities purchased under
dijual kembali 3,129,032 - - - - 3,129,032 agreements to resell
Wesel Ekspor Bills and
dan tagihan lainya 479,902 8,010 - - - 487,912 other receivable
Tagihan akseptasi 163,983 - - - - 163,983 Acceptances receivable
Kredit yang diberikan
dan pembiayaan Loans and sharia
syariah 96,905,537 2,771,543 1,050,138 883,885 775,837 102,386,940 financing
Penyertaan saham 42,124 - - - - 42,124 Investment in shares
Bunga yang masih Accrues interest
akan diterima 973,517 23,781 8,296 6,075 17,721 1,029,390 income
Aset lain-lain*) 22,662 - - - - 22,662 Other assets*)
Total kotor 144,712,855 2,803,337 1,061,088 891,298 796,474 150,265,052 Total - gross
Cadangan kerugian Allowance for
penurunan nilai (1,949,890) impairment losses
Total neto 148,315,162 Total net
*) Terdiri dari setoran jaminan dan aset ijarah *) Consists of security deposits dan ijarah assets
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Eksposur risiko kredit atas rekening Credit risk exposure on the consolidated
administratif konsolidasian adalah sebagai administrative accounts are as follows:
berikut:
31 Desember/December 31, 2023
Jawa Sumatera Kalimantan Sulawesi Bali Total
Rekening Administratif Administrative Accounts
Irrevocable letters of Outstanding
credit yang masih irrevocable
berjalan 102,912 - - - - 102,912 letters of credit
Garansi yang
diberikan 633,021 76,068 9,381 36,559 1,330 756,359 Guarantees issued
Total 735,933 76,068 9,381 36,559 1,330 859,271 Total
31 Desember/December 31, 2022
Jawa Sumatera Kalimantan Sulawesi Bali Total
Rekening Administratif Administrative Accounts
Irrevocable letters of Outstanding
credit yang masih irrevocable
berjalan 553,324 - - - - 553,324 letters of credit
Garansi yang
diberikan 979,112 111,248 2,018 90,679 - 1,183,057 Guarantees issued
Total 1,532,436 111,248 2,018 90,679 - 1,736,381 Total
b. Sektor industri b. Industry sector
Tabel berikut menggambarkan rincian The following tables describe the details of
eksposur kredit Bank dan entitas anak the Bank and its subsidiaries’ credit
pada nilai tercatat (tanpa exposures at the carrying amount (without
memperhitungkan agunan atau pendukung calculating the collateral or other credit
kredit lainnya), yang dikategorikan support), which are categorized by industry
berdasarkan sektor industri. sector.
31 Desember/December 31, 2023
Pemerintah
(termasuk Lembaga
Bank keuangan
Indonesia)/ bukan bank/ Perusahaan
Government Non-bank lainnya/
(including Bank financial Other Perseorangan/
Indonesia) Bank institutions Companies Individuals Total
Giro pada Current accounts with
Bank Indonesia 14,879,767 - - - - 14,879,767 Bank Indonesia
Current accounts with
Giro pada bank lain - 1,196,787 - - - 1,196,787 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia and
dan bank lain - 3,886,989 - - - 3,886,989 other banks
Tagihan Derivatif - 1,289 - - - 1,289 Derivative receivable
Surat berharga 21,663,695 1,177,217 537,818 7,598,237 - 30,976,967 Marketable securities
Wesel ekspor dan Bills and
tagihan lainnya - - - 689,974 - 689,974 other receivables
Tagihan akseptasi - - - 288,944 - 288,944 Acceptances receivable
Kredit yang diberikan
dan pembiayaan Loans and
syariah 7,680,966 4,500,592 736,047 28,137,935 84,022,643 125,078,183 sharia financing
Penyertaan saham - - - 190,089 - 190,089 Investment in shares
Bunga yang masih Accrued interest
akan diterima 85,114 45,141 7,383 387,270 842,748 1,367,656 income
Aset lain-lain*) - - - 17,871 - 17,871 Other assets*)
Total kotor 44,309,542 10,808,015 1,281,248 37,310,320 84,865,391 178,574,516 Total - gross
Cadangan kerugian Allowance for
penurunan nilai (2,144,780) impairment losses
Total neto 176,429,736 Total - net
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Pemerintah
(termasuk Lembaga
Bank keuangan
Indonesia)/ bukan bank/ Perusahaan
Government Non-bank lainnya/
(including Bank financial Other Perseorangan/
Indonesia) Bank institutions Companies Individuals Total
Giro pada Current accounts with
Bank Indonesia 13,032,593 - - - - 13,032,593 Bank Indonesia
Current accounts with
Giro pada bank lain - 1,243,695 - - - 1,243,695 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia and
dan bank lain - 7,156,807 - - - 7,156,807 other banks
Tagihan Derivatif - 17,388 - - - 17,388 Derivative receivable
Surat berharga 20,445,289 356,729 5,784,752 800,804 - 27,387,574 Marketable securities
Tagihan atas efek-efek Marketable securities
yang dibeli dengan janji purchased under
dijual kembali 5,468,915 - - - - 5,468,915 agreements to resell
Wesel ekspor dan Bills and
tagihan lainnya - - - 843,826 - 843,826 other receivables
Tagihan akseptasi - - - 227,970 - 227,970 Acceptances receivable
Kredit yang diberikan
dan pembiayaan Loans and
syariah 7,680,966 4,500,592 736,047 18,815,352 84,022,643 115,755,600 sharia financing
Penyertaan saham - - - 142,093 - 142,093 Investment in shares
Bunga yang masih Accrued interest
akan diterima 85,115 45,141 7,383 188,718 842,748 1,169,105 income
Aset lain-lain*) - - - 37,185 - 37,185 Other assets*)
Total kotor 46,712,878 13,320,352 6,528,182 21,055,948 84,865,391 172,482,751 Total - gross
Cadangan kerugian Allowance for
penurunan nilai (1,802,820) impairment losses
Total neto 170,679,931 Total - net
*) Terdiri dari setoran jaminan dan aset ijarah *) Consists of security deposits dan ijarah assets
Eksposur risiko kredit atas rekening Credit risk exposure on the consolidated
administratif konsolidasian adalah sebagai administrative accounts are as follows:
berikut:
31 Desember/December 31, 2023
Pemerintah
(termasuk Lembaga
Bank keuangan
Indonesia)/ bukan bank/ Perusahaan
Government Non-bank lainnya/
(including Bank financial Other Perseorangan/
Indonesia) Bank institutions Companies Individuals Total
Rekening Administratif Administrative Accounts
Irrevocable letters of Outstanding irrevocable
credit yang 74,007 - - 28,905 - 102,912 letters of credit
masih berjalan
Garansi yang diterbitkan 2,745 - 23,439 727,364 2,811 756,359 Guarantees issued
Total 76,752 - 23,439 756,269 2,811 859,271 Total
31 Desember/December 31, 2022
Pemerintah
(termasuk Lembaga
Bank keuangan
Indonesia)/ bukan bank/ Perusahaan
Government Non-bank lainnya/
(including Bank financial Other Perseorangan/
Indonesia) Bank institutions Companies Individuals Total
Rekening Administratif Administrative Accounts
Irrevocable letters of Outstanding irrevocable
credit yang 258,818 - 294,506 - - 553,324 letters of credit
masih berjalan
Garansi yang diterbitkan 252,346 - 9,970 918,112 2,630 1,183,058 Guarantees issued
Total 511,164 - 304,476 918,112 2,630 1,736,382 Total
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
(iii) Penurunan nilai aset keuangan pada tanggal (iii) Impairment of financial assets as of
31 Desember 2023 dan 2022 December 31, 2023 and 2022
1. Giro pada bank lain 1. Current accounts with other banks
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah 582,783 325,659 Rupiah
Mata Uang Asing 614,004 918,036 Foreign currencies
Total 1,196,787 1,243,695 Total
Cadangan kerugian
penurunan nilai (57) (68) Allowance for impairment losses
Neto 1,196,730 1,243,627 Net
2. Penempatan pada Bank Indonesia dan 2. Placement with Bank Indonesia and other
bank lain banks
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Rupiah 1,407,003 7,156,807 Rupiah
Dolar Amerika Serikat 2,479,986 - United States Dollar
Total 3,886,989 7,156,807 Total
Cadangan kerugian
penurunan nilai (296) (2,133) Allowance for impairment losses
Neto 3,886,693 7,154,674 Net
3. Tagihan akseptasi 3. Acceptance receivable
31 Desember/ 31 Desember/
December 31, Decemeber 31,
2023 2022
Pihak ketiga Third parties
Rupiah 217,837 185,493 Rupiah
Mata Uang Asing 71,107 42,477 Foreign currencies
Total 288,944 227,970 Total
Cadangan kerugian Allowance for
penurunan nilai (519) (2,374) impairment losses
Neto 288,425 225,596 Net
4. Surat berharga 4. Marketable securities
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Biaya perolehan yang diamortisasi At amortized cost
Pihak ketiga Third parties
Rupiah Rupiah
Obligasi 5,422,215 5,851,325 Bonds
Diskonto yang belum diamortisasi - (7,183) Unamortized discount
Neto 5,422,215 5,844,142 Net
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Nilai wajar yang melalui penghasilan Fair value through other
komprehensif lainnya comprehensive income
Pihak ketiga Third parties
Rupiah Rupiah
Obligasi 15,771,414 12,919,048 Bonds
Dolar Amerika Serikat US Dollar
Obligasi 2,361,756 2,228,239 Bonds
18,133,170 15,147,287
Nilai wajar melalui laba rugi Fair value through profit or loss
Pihak ketiga Third parties
Rupiah Rupiah
Reksadana 5,226,836 4,859,178 Mutual funds
Obligasi 2,194,746 1,536,967 Bonds
7,421,582 6,396,145
Total 30,976,967 27,387,574 Total
Cadangan kerugian Allowance for
penurunan nilai (11,357) (5,256) impairment losses
Neto 30,965,610 27,382,318 Net
5. Kredit yang diberikan dan piutang dan 5. Loans and sharia financing and receivables
pembiayaan syariah
31 Desember/December 31, 2023
Belum jatuh tempo dan Jatuh tempo
tidak mengalami penurunan dan tidak
nilai/Neither past due mengalami
nor impaired penurunan
nilai/ Mengalami
Tingkat Past-due penurunan
Tingkat Tinggi/ standar/ but not nilai/
High Grade Standard grade Impaired Impaired Total
Kredit yang diberikan
dan piutang dan Loans and sharia
pembiayaan syariah financing and receivables
Perdagangan 12,040 8,901,227 528,882 489,566 9,931,715 Trading
Jasa-jasa dunia usaha - 1,097,995 10,918 117,419 1,226,332 Business services
Konstruksi - 6,923,509 85,627 467,773 7,476,909 Construction
Pengangkutan Transportation and
dan gudang - 837,652 25,777 29,481 892,910 warehousing
Industri 547 4,405,729 590,221 35,150 5,031,647 Industry
Jasa-jasa sosial 4,777 1,493,978 5,946 8,997 1,513,698 Social services
Pertanian 30 1,590,974 86,712 44,011 1,721,727 Farming
Listrik, gas dan air - 179,793 4,367 80 184,240 Electricity, gas and water
Pertambangan - 679,042 39,993 2,653 721,688 Mining
Lain-lain 33,067,791 61,214,052 1,485,278 610,196 96,377,317 Others
Total 33,085,185 87,323,951 2,863,721 1,805,326 125,078,183 Total
Cadangan kerugian Allowance for
penurunan nilai (2,130,897) impairment losses
Neto 122,947,286 Net
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Belum jatuh tempo dan Jatuh tempo
tidak mengalami penurunan dan tidak
nilai/Neither past due mengalami
nor impaired penurunan
nilai/ Mengalami
Tingkat Past-due penurunan
Tingkat Tinggi/ standar/ but not nilai/
High Grade Standard grade Impaired Impaired Total
Kredit yang diberikan
dan piutang/ Loans and sharia
pembiayaan syariah financing/receivables
Perdagangan 87,095 8,835,974 154,703 293,336 9,371,108 Trading
Jasa-jasa dunia usaha - 642,140 54,743 92,579 789,462 Business services
Konstruksi 310 7,028,371 110,912 442,459 7,582,052 Construction
Pengangkutan Transportation and
dan gudang - 691,154 56,263 468 747,885 warehousing
Industri 738 5,448,781 582,977 31,439 6,063,935 Industry
Jasa-jasa sosial - 764,113 627 9,449 774,189 Social services
Pertanian 293 1,410,860 37,718 22,387 1,471,258 Farming
Listrik, gas dan air - 141,019 82 24 141,125 Electricity, gas and water
Pertambangan - 963,955 - 2,700 966,655 Mining
Lain-lain 34,751,591 51,290,851 1,210,085 595,404 87,847,931 Others
Total 34,840,027 77,217,218 2,208,110 1,490,245 115,755,600 Total
Cadangan kerugian Allowance for
penurunan nilai (1,791,686) impairment losses
Neto 113,963,914 Net
Bank dan entitas anak melakukan penilaian Bank and its subsidiaries assesses individually
secara individual untuk: (a) kredit dengan for: (a) loans with plafond above Rp1.000
plafon di atas Rp5.000 dengan kolektibilitas which are classified as substandard, doubtful
kurang lancar, diragukan, dan macet; dan and loss; and (b) restructured loans.
(b) kredit yang direstrukturisasi.
Penilaian secara kolektif dilakukan untuk kredit Collective assessment is applied to loans with
dengan plafon sama dengan atau lebih kecil plafond equal to or less than Rp1,000 and not
dari Rp1.000 dan tidak direstrukturisasi. restructured.
(iv) Tabel di bawah menunjukkan kualitas aset (iv) The tables below show the quality of financial
keuangan berdasarkan golongan aset untuk assets by class of assets for all financial
semua aset keuangan yang mempunyai risiko assets with credit risk (gross of allowance for
kredit (nilai yang disajikan adalah bruto). impairment losses).
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2023
Belum jatuh tempo dan Jatuh tempo
tidak mengalami penurunan dan tidak
nilai/ Neither past due mengalami
nor impaired penurunan
nilai/ Mengalami
Tingkat Past-due penurunan
Tingkat Tinggi/ standar/ but not nilai/
High Grade Standard grade Impaired Impaired Total
Nilai wajar melalui Fair value through
laba rugi profit or loss
Surat berharga 7,421,582 - - - 7,421,582 Marketable securities
Nilai wajar melalui penghasilan Fair value through
komprehensif lainnya other comprehensive income
Surat berharga 18,133,170 - - - 18,133,170 Marketable securities
Biaya perolehan yang diamortisasi Amortised cost
Surat berharga 5,410,858 - - 11,357 5,422,215 Marketable securities
Giro pada bank Indonesia 14,879,767 - - - 14,879,767 Bank Indonesia
Current accounts with
Giro pada bank lain 1,196,730 - - 57 1,196,787 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 3,886,693 - - 296 3,886,989 and other banks
Tagihan derivatif 1,289 - - - 1,289 Derivative receivable
Wesel ekspor dan Bills and
tagihan lainnya 689,623 - - 351 689,974 other receivable
Tagihan akseptasi 288,425 - - 519 288,944 Acceptance receivables
Penyertaan saham - 188,786 - 1,303 190,089 Investment in shares
Kredit yang diberikan
dan piutang/ Loans and sharia
pembiayaan syariah financing/receivables
Perdagangan 87,095 8,835,974 154,703 293,336 9,371,108 Trading
Jasa-jasa dunia usaha - 642,140 54,743 92,579 789,462 Business Services
Konstruksi 310 7,028,371 110,912 442,459 7,582,052 Construction
Transportation and
Pengangkutan dan gudang - 691,154 56,263 468 747,885 warehousing
Industri 738 5,448,781 582,977 31,439 6,063,935 Industry
Jasa-jasa sosial - 764,113 627 9,449 774,189 Social services
Pertanian 293 1,410,860 37,718 22,387 1,471,258 Farming
Listrik, gas dan air - 141,019 82 24 141,125 Electricity, gas and water
Pertambangan - 963,955 - 2,700 966,655 Mining
Lain-lain 34,751,591 51,290,851 1,210,085 595,404 87,847,931 Others
Bunga yang masih
akan diterima - 1,367,656 - - 1,367,656 Acrrued Interest Income
Aset lain-lain*) - 17,871 - - 17,871 Other assets*)
Total 86,748,164 78,791,531 2,208,110 1,504,128 169,251,933 Total
Cadangan kerugian Allowance for
penurunan nilai (2,144,780) impairment losses
Neto 167,107,153 Net
*) Terdiri dari setoran jaminan dan aset ijarah *) Consists of security deposits and ijarah
assets
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Belum jatuh tempo dan Jatuh tempo
tidak mengalami penurunan dan tidak
nilai/ Neither past due mengalami
nor impaired penurunan
nilai/ Mengalami
Tingkat Past-due penurunan
Tingkat Tinggi/ standar/ but not nilai/
High Grade Standard grade Impaired Impaired Total
Nilai wajar melalui Fair value through
laba rugi profit or loss
Surat berharga 6,396,145 - - - 6,396,145 Marketable securities
Nilai wajar melalui penghasilan Fair value through
komprehensif lainnya other comprehensive income
Surat berharga 15,147,287 - - - 15,147,287 Marketable securities
Biaya perolehan yang diamortisasi Amortised cost
Surat berharga 5,844,142 - - - 5,844,142 Marketable securities
Giro pada bank Indonesia 13,032,593 - - - 13,032,593 Bank Indonesia
Current accounts with
Giro pada bank lain 1,243,627 - - 68 1,243,695 other banks
Penempatan pada - Placements with
Bank Indonesia Bank Indonesia
dan bank lain 7,156,807 - - - 7,156,807 and other banks
Tagihan derivatif 17,388 - - - 17,388 Derivative receivable
Wesel ekspor dan Bills and
tagihan lainnya 843,826 - - - 843,826 other receivable
Tagihan atas efek-efek yang dibeli Receivable from marketable securities
dengan janji dijual kembali 5,468,915 - - - 5,468,915 purchased under agreement to resell
Tagihan akseptasi 227,970 - - - 227,970 Acceptance receivables
Penyertaan saham - 139,843 - 2,250 142,093 Investment in shares
Kredit yang diberikan
dan piutang/ Loans and sharia
pembiayaan syariah financing/receivables
Perdagangan 87,095 8,835,974 154,703 293,336 9,371,108 Trading
Jasa-jasa dunia usaha - 642,140 54,743 92,579 789,462 Business Services
Konstruksi 310 7,028,371 110,912 442,459 7,582,052 Construction
Transportation and
Pengangkutan dan gudang - 691,154 56,263 468 747,885 warehousing
Industri 738 5,448,781 582,977 31,439 6,063,935 Industry
Jasa-jasa sosial - 764,113 627 9,449 774,189 Social services
Pertanian 293 1,410,860 37,718 22,387 1,471,258 Farming
Listrik, gas dan air - 141,019 82 24 141,125 Electricity, gas and water
Pertambangan - 963,955 - 2,700 966,655 Mining
Lain-lain 34,751,591 51,290,851 1,210,085 595,404 87,847,931 Others
Bunga yang masih
akan diterima - 1,169,105 - - 1,169,105 Interest receivables
Aset lain-lain*) - 37,185 - - 37,185 Other assets*)
Total 90,218,727 78,563,351 2,208,110 1,492,563 172,482,751 Total
Cadangan kerugian Allowance for
penurunan nilai (1,802,820) impairment losses
Neto 170,679,931 Net
*) Terdiri atas setoran jaminan dan aset ijarah *) Consists of security deposits and ijarah
assets
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Kualitas kredit didefinisikan sebagai berikut: The credit quality are defined as follows:
Tingkat tinggi High grade
a) Giro pada Bank Indonesia, giro pada bank a) Current accounts with Bank Indonesia,
lain, penempatan pada Bank Indonesia current accounts with other banks,
dan bank lain yaitu giro atau penempatan placements with Bank Indonesia and
pada institusi pemerintah, transaksi other banks which are current accounts or
dengan bank yang memiliki reputasi baik placements with the government,
dengan tingkat kemungkinan gagal bayar transaction with reputable banks with low
atas kewajiban yang rendah. probability of insolvency.
b) Kredit yang diberikan dan b) Loans and sharia financing/receivables,
piutang/pembiayaan syariah, bunga yang interests receivables, derivative
masih akan diterima, tagihan derivatif dan receivables and third party receivables
tagihan kepada pihak ketiga yaitu debitur are borrowers with very satisfactory track
dengan riwayat pembayaran yang sangat record of loan repayment and whose
baik dan tidak pernah menunggak accounts did not turn past due during the
sepanjang jangka waktu kredit, debitur term of the loan, borrowers with high
dengan tingkat stabilitas dan keragaman degree of stability and diversity, very
yang tinggi, memiliki kemampuan strong debt service capacity and has
membayar yang kuat dan rasio-rasio conservative balance sheet ratios.
neraca yang konservatif.
c) Surat berharga dan efek-efek yang dibeli c) Marketable securities and marketable
dengan janji dijual kembali yang termasuk securities purchased under agreement to
dalam investment grade dengan rating resell which included in investment grade
minimal BBB- (Pefindo) atau Baa3 securities with a rating of at least BBB-
(Moody’s). (Pefindo) or Baa3 (Moody’s).
Tingkat standar Standard grade
a) Giro pada Bank Indonesia, giro pada bank a) Current accounts with Bank Indonesia,
lain, penempatan pada Bank Indonesia current accounts with other banks,
dan bank lain yaitu giro atau penempatan placements with Bank Indonesia and
pada bank lokal yang tidak terdaftar di other banks are current accounts or
bursa. placements with the local banks not listed
in the stock exchange.
b) Kredit yang diberikan dan piutang/ b) Loans and sharia financing/receivables,
pembiayaan syariah, bunga yang masih interest receivables, investment in share,
akan diterima, penyertaan saham dan and third party receivables are borrowers
tagihan kepada pihak ketiga yaitu debitur who have an average track record of loan
dengan riwayat pembayaran yang baik repayment and whose account did not
dan tidak pernah menunggak 90 hari atau turn past due for 90 days and over; debt
lebih; memiliki kemampuan membayar service capacity is adequate.
yang cukup.
c) Surat berharga dan efek-efek yang dibeli c) Marketable securities and marketable
dengan janji dijual kembali yang termasuk securities purchased under agreement to
dalam investment grade dengan rating resell which included in investment grade
antara idBB+ sampai dengan idB securities with a rating between idBB+ to
(Pefindo) atau Ba1 sampai dengan B2 idB (Pefindo) or Ba1 to B2 (Moody’s).
(Moody’s).
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
(v) Analisis umur pinjaman yang jatuh tempo, (v) The aging analysis of past due but not
tetapi tidak mengalami penurunan nilai pada impaired loans as of December 31, 2023 and
tanggal 31 Desember 2023 dan 2022 adalah 2022, are as follows:
sebagai berikut:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Industri 590,221 582,977 Industry
Perdagangan 528,882 154,703 Trading
Pertanian 86,712 37,718 Farming
Konstruksi 85,627 110,912 Construction
Pertambangan 39,993 - Mining
Pengangkutan dan gudang 25,777 56,263 Transportation and warehousing
Jasa-jasa dunia usaha 10,918 54,743 Business services
Jasa-jasa sosial 5,946 627 Social services
Listrik, gas dan air 4,367 82 Electricity, gas and water
Lain-lain 1,485,278 1,210,085 Others
Total 2,863,721 2,208,110 Total
47. Risiko Nilai Tukar 47. Foreign Exchange Risk
Risiko nilai tukar timbul sebagai kerugian yang Foreign exchange risk arises as losses arising from
ditimbulkan oleh posisi terbuka neto valuta asing net open positions of foreign exchange on assets,
pada sisi aktiva, sisi pasiva ataupun rekening liabilities or administrative accounts due to
administratif akibat perubahan nilai tukar valuta changes in foreign exchange rates. Foreign
asing. Kegiatan perdagangan mata uang asing exchange trading activities include spot, forward,
meliputi transaksi nilai tukar valuta asing spot, swap, interest rate swaps, and foreign exchange
forward, swap, interest rate swap, dan cross transactions cross currency swap.
currency swap.
Penerapan Manajemen risiko nilai tukar yang Implementation of Forex Risk Management in Bank
dijalankan oleh Bank adalah dengan melakukan through a measurement, monitoring, and
pengukuran, pemantauan, dan pengendalian risiko controlling of foreign exchange risk periodically
nilai tukar secara berkala baik secara bankwide both partial and comprehensive. comprehensively,
maupun parsial. Secara bankwide, bank bank measure foreign exchange risk through value
melakukan pengukuran risiko nilai tukar melalui at risk simulation with several methods (Variance
simulasi value at risk (var) dengan berbagai Covarince & Historical) and adjusted to
metode (Variance Covarince & Historical) yang characteristic of transactions.
disesuaikan dengan karakteristik transaksi bank.
Pemantauan risiko nilai tukar dilakukan melalui Bank monitor foreign exchange risk through
pemantauan Posisi Devisa Neto (PDN) dan monitoring of Net Open Position (NOP) and
sebagai bentuk pengendalian risiko nilai tukar, intraday and for a foreign exchange risk control,
Bank membuat limit internal PDN baik untuk bank establish internal limit of NOP both on
neraca maupun secara keseluruhan sebagai balance sheet and overall as risk tolerance to
bentuk risk tolerance Bank dalam menghadapi foreign exchange risk. Meanwhile, implementation
risiko nilai tukar. Sedangkan, penerapan of forex risk management partially on treasury
manajemen risiko nilai tukar Bank secara parsial activities is performed through measurement &
pada aktivitas tresuri adalah melalui pengukuran & control of budget loss limit & open position for
pengendalian budget loss limit & open position every transaction and for monitoring, bank create
untuk setiap transaksi nilai tukar dan sebagai Treasury transactions report periodically to ensure
bentuk pemantauan risiko nilai tukar, Bank that exposure arise from foreign exchange risk is at
melakukan pelaporan transaksi tresuri sesuai the limit which has been specified by the internal
dengan ketentuan secara periodik untuk Bank dan Bank Indonesia Regulations.
memastikan bahwa exposure yang timbul oleh
pergerakan nilai tukar berada pada batas yang
telah ditentukan oleh ketentuan internal Bank dan
sesuai dengan ketentuan regulasi Bank Indonesia.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Menurut Peraturan Bank Indonesia (PBI) According to Bank Indonesia Regulation (PBI)
No. 17/5/PBI/2015 tanggal 29 Mei 2015 perubahan No. 17/5/PBI/2015 dated May 29, 2015 the fourth
keempat atas PBI No. 5/13/PBI/2003 tentang amendment to PBI No. 5/13/ PBI / 2003 concerning
Posisi Devisa Neto Bank Umum tanggal the Net Open Position of Commercial Banks on
17 Juli 2003, PDN ditetapkan maksimum sebesar July 17, 2003, the NOP is set at a maximum of
20% dari modal. 20% of capital.
PDN secara keseluruhan adalah angka yang The overall NOP is the sum of the absolute value
merupakan penjumlahan dari nilai absolut untuk of the difference between each foreign currency
jumlah dari selisih bersih aset dan liabilitas dalam asset and liability on the statement of financial
laporan posisi keuangan untuk setiap valuta asing position and the difference between commitments
ditambah dengan selisih bersih aset dan liabilitas and contingent assets and liabilities in
baik yang merupakan komitmen maupun administrative accounts for each foreign currency.
kontinjensi dalam rekening administratif untuk
setiap valuta asing.
Berikut adalah PDN pada tanggal-tanggal Below is the NOP as of December 31, 2023 and
31 Desember 2023 dan 2022 per mata uang 2022 by currency (in equivalent rupiah) based on
(dalam ekuivalen rupiah) sesuai dengan peraturan Bank Indonesia regulations (unaudited):
Bank Indonesia (tidak diaudit):
31 Desember/December 31, 2023
Posisi Devisa
Aset/ Liabilitas/ Rekening Administratif/ Neto/Net
Assets Liabilities Administratif Account Open Position
Mata Uang Currency
KESELURUHAN (LAPORAN POSISI AGGREGATE (STATEMENT OF
KEUANGAN DAN REKENING FINANCIAL POSITION AND
ADMINISTRATIF) ADMINISTRATIVE ACCOUNTS)
Dolar Amerika Serikat 5,754,574 6,271,578 (769,850) 1,286,854 United States Dollar
Dolar Australia 26,833 4 - 26,829 Australian Dollar
Dolar Singapura 43,277 5,975 - 37,302 Singapore Dollar
Yen Jepang 58,947 15 (40,286) 18,646 Japanese Yen
Euro Eropa 23,257 141 - 23,116 European Euro
Poundsterling Inggris 7,699 - - 7,699 Great Britain Poundsterling
Dolar Hongkong 1,067 39 - 1,028 Hong Kong Dollar
Renminbi 1,387 76 - 1,311 Renminbi
Riyal Saudi Arabia 86 - - 86 Saudi Arabian Riyal
Total 1,402,871 Total
Total modal - 31 Desember 2023 Total Capital - December 31, 2023
(Catatan 51) 17,676,494 (Note 51 )
Rasio PDN (Keseluruhan) 7.94% NOP ratio (Aggregate)
31 Desember/December 31, 2022
Posisi Devisa
Aset/ Liabilitas/ Rekening Administratif/ Neto/Net
Assets Liabilities Administratif Account Open Position
Mata Uang Currency
KESELURUHAN (LAPORAN POSISI AGGREGATE (STATEMENT OF
KEUANGAN DAN REKENING FINANCIAL POSITION AND
ADMINISTRATIF) ADMINISTRATIVE ACCOUNTS)
Dolar Amerika Serikat 4,795,570 1,610,783 (3,269,175) 84,388 United States Dollar
Dolar Australia 28,429 5 - 28,424 Australian Dollar
Dolar Singapura 42,128 6,059 - 36,069 Singapore Dollar
Yen Jepang 19,758 2 - 19,756 Japanese Yen
Euro Eropa 15,366 519 - 14,847 European Euro
Poundsterling Inggris 5,873 - - 5,873 Great Britain Poundsterling
Dolar Hongkong 1,152 - - 1,152 Hong Kong Dollar
Renminbi 1,396 44 - 1,352 Renminbi
Riyal Saudi Arabia 195 - - 195 Saudi Arabian Riyal
Total 192,056 Total
Total modal - 31 Desember 2021 Total Capital - December 31, 2021
(Catatan 51) 18,368,631 (Note 51 )
Rasio PDN (Keseluruhan) 1.05% NOP ratio (Aggregate)
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Risiko mata uang adalah kemungkinan kerugian Foreign currency risk is the probability of loss to
pendapatan yang timbul dari perubahan kurs earnings arising from changes in foreign exchange
valuta asing. Bank dan entitas anak mengelola rates. The Bank and its subsidiaries manages
paparan terhadap pengaruh fluktuasi nilai tukar exposure to effects of fluctuations in foreign
mata uang asing dengan mempertahankan risiko currency exchange rates by maintaining foreign
mata uang asing dalam pedoman peraturan yang currency exposure within the existing regulatory
ada (yaitu menjaga Posisi Devisa Neto sesuai guidelines (i.e maintaining the Net Open Position
dengan peraturan Bank Indonesia). based on Bank Indonesia regulations).
31 Desember 2023/December 31, 2023
Perubahan Pengaruh ke
basis poin/ laporan laba rugi/
Changes in Changes in
basis point statement profit or loss
Dolar Amerika Serikat 0.30% 43 United States Dollar
0.35% 50
31 Desember 2022/December 31, 2022
Perubahan Pengaruh ke
basis poin/ laporan laba rugi/
Changes in Changes in
basis point statement profit or loss
Dolar Amerika Serikat 0.30% 47 United States Dollar
0.35% 54
Sensitivitas atas laporan laba rugi konsolidasian The sensitivity (of the consolidated statements of
merupakan dampak yang diestimasi atas income is the estimated effect of the assumed
perubahan yang diasumsikan atas perubahan nilai change in foreign exchange rates on income,
tukar berdasarkan aset dan liabilitas keuangan based on foreign currency denominated assets and
yang dalam mata uang asing. liabilities.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the effect of
dampak atas perubahan nilai tukar dari mata uang fluctuations in exchange rates of other currencies,
lainnya seperti Poundsterling Inggris, Euro Eropa, such as Great Britain Poundsterling, European
Yen Jepang, Dolar Singapura, Dolar Australia dan Euro, Japanese Yen, Singapore Dollar, Australian
Dolar Hong Kong tidak material. Dollar and Hong Kong Dollar was not material.
48. Risiko Likuiditas 48. Liquidity Risk
Risiko akibat ketidakmampuan Bank dan entitas Risk due to the inability of the Bank and its
anak untuk memenuhi kewajiban yang jatuh tempo subsidiaries to fulfill maturing obligations from cash
dari sumber pendanaan arus kas dan/atau dari flow funding sources and/or from high-quality liquid
aset likuid berkualitas tinggi yang dapat diagunkan, assets that can be pledged, without disrupting the
tanpa mengganggu aktivitas dan kondisi keuangan activities and financial condition of the Bank and its
Bank dan entitas anak. Besar kecilnya risiko subsidiaries. The size of the liquidity risk is
likuiditas ditentukan antara lain: determined, among others:
a. Kecermatan dalam perencanaan arus kas a. Accuracy in cash flow or flow of fund planning
atau arus dana berdasarkan prediksi based on financing and fund growth prediction,
pembiayaan dan prediksi pertumbuhan dana, include observe the fund rate volatility;
termasuk mencermati tingkat fluktuasi dana;
b. Ketepatan dalam mengatur struktur dana b. The precision in managing the fund structure,
termasuk kecukupan dana; including the adequacy of funding;
c. Ketersediaan aset yang siap dikonversikan c. The availability of asset that is ready to be
menjadi kas; converted into cash;
d. Kemampuan menciptakan akses ke pasar d. Ability to create access to the interbank market
antar bank atau sumber dana lainnya, or other funding sources, including the lender
termasuk fasilitas lender of last resort. of last resort facilities.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Apabila kesenjangan tersebut cukup besar maka If the gap is large enough it will reduce the Bank
akan menurunkan kemampuan Bank dan entitas and its subsidiaries’ ability to meet its liabilities at
anak untuk memenuhi kewajibannya pada saat maturity. Therefore, liquidity management is
jatuh tempo. Oleh karena itu untuk mengantisipasi needed to anticipate liquidity risk, which is a part of
terjadinya risiko likuiditas, maka diperlukan the management liability.
manajemen likuiditas, yang merupakan bagian dari
pengelolaan liabilitas.
Kebijakan likuiditas Bank dan entitas anak The Bank and its subsidiaries’ liquidity policies are
ditujukan untuk memastikan bahwa kebutuhan aimed to ensuring that fund requirements can be
dana dapat dipenuhi, baik untuk membayar fulfilled, either to pay time deposits at maturity or to
kewajiban pada saat jatuh tempo atau untuk fulfill unused loan facility.
memenuhi fasilitas kredit yang belum digunakan.
Penerapan manajemen risiko likuiditas diantaranya The application of liquidity risk management
melalui pengelolaan dan pemantauan posisi includes managing and monitoring the Bank and its
likuiditas Bank dan entitas anak berada dalam subsidiaries’ liquidity position in the responsibility of
tanggung jawab Bagian Manajemen ALM & the ALM Management & Liquidity Division in the
Likuiditas di Divisi Treasury sedangkan Treasury Division while measuring and analyzing
pengukuran serta analisa terhadap risiko likuiditas liquidity risk is the task of the Risk Management
menjadi tugas Divisi Manajemen Risiko Division including stress test liquidity based on
diantaranya stress test likuiditas berdasarkan tiga three scenarios and risk-related risk profiles
skenario dan pembuatan profil risiko yang terkait liquidity, in addition banks have made Basel III
risiko likuiditas, selain itu Bank telah melakukan calculations related to liquidity risk, namely the
perhitungan Basel III terkait risiko likuiditas yaitu calculation of Net Stable Funding Ratio (NSFR)
perhitungan Net Stable Funding Ratio (NSFR) dan and Liquidity Coverage Ratio (LCR).
Liquidity Coverage Ratio (LCR).
Pengelolaan kelebihan dana likuiditas Managing the excess of liquidity fund, which are
yang tidak terserap penyaluran kredit, not absorbed by loans, disbursement will be
teroptimalisasi melalui pengelolaan treasury. optimized through managing treasury.
Sebagian besar kelebihan dana likuiditas Most of the excess of liquidity will be placed in
tersalurkan melalui instrumen-instrumen yang short-term and secured instruments. In general, the
berjangka pendek dan aman. Umumnya, kondisi Bank and its subsidiaries’ liquidity condition is well
likuiditas bank terjaga baik dimana penarikan dana maintained where the customers withdrawal can be
nasabah dapat terpenuhi sekaligus kelebihan dana fulfilled while the excess fund can be optimized
teroptimalkan dengan imbal hasil yang optimal. with optimum return.
Sumber dana dan waktu jatuh tempo deposito Sources of funds and maturity dates of time
dikelola untuk menghindari adanya dana yang idle deposits are managed to avoid idle funds and
dan menentukan jumlah serta instrumen aset likuid determine the appropriate liquidity level and liquid
yang tepat untuk menjamin tingkat likuiditas yang asset instrument to ensure a sustainable liquidity
terkendali secara terus menerus. level.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tabel berikut ini menggambarkan analisis jatuh The following tables illustrate the maturity profile
tempo aset dan liabilitas keuangan Bank dan analysis of the Bank and its subsidiaries’ financial
entitas anak dihitung berdasarkan sisa periode assets and liabilities according to their remaining
jatuh tempo kontrak pada tanggal laporan posisi maturity period at the consolidated statement of
keuangan konsolidasian: financial position date:
31 Desember/December 31, 2023
Tidak
mempunyai
tanggal jatuh Sampai Lebih dari 1 Lebih dari 3 Lebih dari 1 Lebih dari 2
tempo dengan 1 sampai 3 sampai 12 sampai 2 sampai 5 Lebih dari 5
Nilai tercatat/ kontraktual/ bulan/ bulan/ bulan/ tahun/ tahun/ tahun/
Carrying No contractual Up to More than 1 to More than 3 to More than 1 More than 2 More than
value maturity 1 month 3 months 12 months to 2 years to 5 years 5 years
ASET ASSETS
Kas 3,530,074 3,530,074 - - - - - - Cash
Giro pada Current accounts with
Bank Indonesia 14,879,767 - 14,879,767 - - - - - Bank Indonesia
Giro pada bank Current accounts with
lain - neto 1,196,730 - 1,196,730 - - - - - other banks - net
Penempatan pada Bank Placements with Bank
Indonesia dan Indonesia and
bank lain - neto 3,886,693 - 3,886,693 - - - - - other bank - net
Tagihan atas efek-efek yang dibeli - Receivable from marketables securities
dengan dengan janji dijual kembali - - - - - - - - purchased under agreements to resell
Surat berharga - neto 30,965,610 - 240,667 338,258 1,380,456 2,507,678 6,104,112 20,394,439 Marketable securities - net
Wesel ekspor dan Bills and
tagihan lainnya - neto 689,623 - 29,820 36,286 623,517 - - - other receivables - net
Kredit yang diberikan - neto 114,386,118 - 2,246,725 4,634,231 12,230,429 5,746,626 23,912,120 65,615,987 Loans - net
Pembiayaan syariah - neto 8,561,168 - 277,942 395,860 571,078 335,986 1,850,999 5,129,303 Sharia financing - net
Tagihan Derivatif 1,289 1,289 - - - - - - Derivative payable
Tagihan akseptasi - neto 288,425 - 88,802 106,732 92,891 - - - Acceptances receivable - net
Penyertaan saham - neto 188,786 188,786 - - - - - - Investments in shares - net
Bunga yang masih Accrued interest
akan diterima 1,367,656 - 1,367,656 - - - - - income
Aset lain-lain - neto*) 17,871 17,871 - - - - - - Other assets - net*)
Total 179,959,810 3,738,020 24,214,802 5,511,367 14,898,371 8,590,290 31,867,231 91,139,729 Total
LIABILITAS LIABILITIES
Liabilitas segera 2,212,830 2,212,830 - - - - - - Obligations due immediately
Simpanan nasabah 126,478,387 53,555,892 28,967,414 33,412,790 8,890,652 1,651,639 - - Deposits from customers
Deposits from customers-
Simpanan nasabah - syariah 948,316 948,316 - - - - - - sharia
Simpanan dari bank lain 2,541,540 - 2,239,641 132,062 155,712 14,125 - - Deposits from other banks
Liabilitas derivatif 23 23 - - - - - - Derivatives payable
Marketable securities
Liabilitas akseptasi 288,944 - 89,149 54,491 145,304 - - - Acceptances payable
Efek hutang yang Debt securities
diterbitkan - neto 957,991 - - - 598,613 319,191 40,187 - issued - net
Pinjaman yang diterima 20,323,823 - 1,338,477 4,613 3,520,233 15,460,500 - - Borrowings
Bunga yang masih harus Accrued interest expense
dibayar dan bagi hasil 285,191 - 285,191 - - - - - and revenue sharing
Liabilitas lain-lain **) 499,943 499,943 - - - - - - Other liabilities**)
Obligasi subordinasi 3,678,849 - - - 690,344 2,988,505 - - Subordinated bonds
158,215,837 57,217,004 32,919,872 33,603,956 14,000,858 20,433,960 40,187 --
Perbedaan jatuh tempo 21,743,973 (53,478,984) (8,705,070) (28,092,589) 897,513 (11,843,670) 31,827,044 91,139,729 Maturity gap
*) Terdiri dari setoran jaminan dan aset ijarah *) Consists of security deposits and ijarah assets
**) Terdiri dari setoran jaminan, jasa produksi, dan penghargaan **) Consist of security deposits, production service, and gratuity
kerja
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Page 853
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Tidak
mempunyai
tanggal jatuh Sampai Lebih dari 1 Lebih dari 3 Lebih dari 1 Lebih dari 2
tempo dengan 1 sampai 3 sampai 12 sampai 2 sampai 5 Lebih dari 5
Nilai tercatat/ kontraktual/ bulan/ bulan/ bulan/ tahun/ tahun/ tahun/
Carrying No contractual Up to More than 1 to More than 3 to More than 1 More than 2 More than
value maturity 1 month 3 months 12 months to 2 years to 5 years 5 years
ASET ASSETS
Kas 3,300,031 3,300,031 - - - - - - Cash
Giro pada Current accounts with
Bank Indonesia 13,032,593 - 13,032,593 - - - - - Bank Indonesia
Giro pada bank Current accounts with
lain - neto 1,243,627 - 1,243,627 - - - - - other banks - net
Penempatan pada Bank Placements with Bank
Indonesia dan Indonesia and
bank lain - neto 7,154,674 - 7,154,674 - - - - - other bank - net
Tagihan atas efek-efek yang dibeli - Receivable from marketables securities
dengan dengan janji dijual kembali 5,468,915 - 5,230,374 - - - - 238,541 purchased under agreements to resell
Surat berharga - neto 27,382,318 - 7,870,093 915,660 1,684,004 3,040,084 6,892,094 6,980,383 Marketable securities - net
Wesel ekspor dan Bills and
tagihan lainnya - neto 843,826 29,931 753,604 60,291 - - - other receivables - net
Kredit yang diberikan - neto 106,707,881 - 2,145,657 5,705,168 11,083,071 6,066,425 21,891,835 59,815,725 Loans - net
Pembiayaan syariah - neto 7,256,033 301,892 327,769 441,686 299,911 1,482,227 4,402,548 Sharia financing - net
Tagihan Derivatif 17,388 17,388 - - - - - - Derivative payable
Tagihan akseptasi - neto 225,596 - 90,343 93,658 41,595 - - - Acceptances receivable - net
Penyertaan saham - neto 140,790 140,790 - - - - - - Investments in shares - net
Bunga yang masih Accrued interest
akan diterima 1,169,105 - 1,169,105 - - - - - income
Aset lain-lain - neto*) 37,185 37,185 - - - - - - Other assets - net*)
Total 173,979,962 3,495,394 38,268,289 7,795,859 13,310,647 9,406,420 30,266,156 71,437,197 Total
LIABILITAS LIABILITIES
Liabilitas segera 2,403,981 2,403,981 - - - - - - Obligations due immediately
Simpanan nasabah 122,019,343 51,428,590 20,803,090 21,256,884 25,503,985 3,023,887 2,907 - Deposits from customers
Deposits from customers-
Simpanan nasabah - syariah 948,316 948,316 - - - - - - sharia
Simpanan dari bank lain 4,461,790 - 4,126,070 117,814 113,739 104,167 - - Deposits from other banks
Liabilitas derivatif 2,207 2,207 - - - - - - Derivatives payable
Liabilitas atas efek-efek yang dijual dengan Liabilities from marketable securities
janji dibeli kembali 3,081,103 - 3,081,103 - - - - - sold under agreements to repurchase
Liabilitas akseptasi 227,970 - 90,343 96,031 41,596 - - - Acceptances payable
Efek utang yang Debt securities
diterbitkan - neto 1,871,461 - - 903,103 884,672 83,686 - issued - net
Pinjaman yang diterima 17,533,761 993,190 - 3,206,553 7,335,558 3,044,030 2,954,430 Borrowings
Bunga yang masih harus Accrued interest expense
dibayar dan bagi hasil 254,160 - 254,160 - - - - - and revenue sharing
Liabilitas lain-lain**) 576,882 576,882 - - - - - - Other liabilities**)
Obligasi subordinasi 3,679,163 - - - - 690,403 1,772,245 1,216,515 Subordinated bonds
157,060,137 55,359,976 29,347,956 21,470,729 29,768,976 12,038,687 4,902,868 4,170,945
Perbedaan jatuh tempo 16,919,825 (51,864,582) 8,920,333 (13,674,870) (16,458,329) (2,632,267) 25,363,288 67,266,252 Maturity gap
*) Terdiri dari setoran jaminan dan aset ijarah *) Consists of security deposits and ijarah assets
**) Terdiri dari setoran jaminan, jasa produksi, dan penghargaan **) Consist of security deposits, production service, and gratuity
kerja
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Page 854
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tabel di bawah ini merangkum profil jatuh tempo The table below summarizes the maturity profile of the
liabilitas keuangan Bank dan entitas anak pada Bank and its subsidiaries financial liabilities as of
tanggal 31 Desember 2023 dan 2022 berdasarkan December 31, 2023 and 2022 based on undiscounted
pada pembayaran kontraktual yang tidak contractual payments:
didiskonto:
31 Desember 2023/December 31, 2023
Lebih dari Lebih dari
1 Bulan 3 Bulan
sampai sampai
3 Bulan/ 12 Bulan/ Lebih dari
Pada More than More than 12 Bulan/
permintaan/ 1 Bulan/ 1 Month to 3 Months to More than
Total On demand 1 Month 3 Months 12 Months 12 Months
Liabilitas Keuangan Financial Liabilities
Liabilitas segera 2,212,830 2,212,830 - - - - Obligations due immediately
Simpanan dari nasabah dan Deposits from customers and
syariah 129,968,243 50,986,313 26,397,835 30,843,211 20,089,245 1,651,639 sharia
Simpanan dari bank lain 2,541,540 - 2,274,746 132,062 120,607 14,125 Deposits from other banks
Liabilitas akseptasi 288,944 - 89,149 54,491 145,304 - Acceptances payable
Efek hutang yang Debt securities
diterbitkan - neto 957,991 - - - 879,704 78,287 issued - net
Pinjaman yang diterima 20,323,823 - 1,338,477 4,613 3,520,233 15,460,500 Borrowings
Bunga yang masih harus Accrued interest expense
dibayar dan bagi hasil 285,191 - 285,191 - - - and revenue sharing
Liabilitas lain-lain*) 499,943 499,943 - - - - Other liabilities*)
Obligasi subordinasi 3,678,849 - - - 690,344 2,988,505 Subordinated bonds
Total liabilitas keuangan 160,757,354 53,699,086 30,385,398 31,034,377 25,445,437 20,193,056 Total financial liabilities
*) Terdiri dari setoran jaminan, jasa produksi, dan *) Consist of security deposits, production service, and
penghargaan kerja gratuity
31 Desember 2022/December 31, 2022
Lebih dari Lebih dari
1 Bulan 3 Bulan
sampai sampai
3 Bulan/ 12 Bulan/ Lebih dari
Pada More than More than 12 Bulan/
permintaan/ 1 Bulan/ 1 Month to 3 Months to More than
Total On demand 1 Month 3 Months 12 Months 12 Months
Liabilitas Keuangan Financial Liabilities
Liabilitas segera 2,212,830 2,212,830 - - - - Obligations due immediately
Simpanan dari nasabah dan Deposits from customers and
syariah 122,815,322 52,224,569 20,803,090 21,256,884 25,503,985 3,026,794 sharia
Simpanan dari bank lain 4,461,790 - 4,126,070 117,814 113,739 104,167 Deposits from other banks
Liabilitas akseptasi 227,970 - 90,343 96,031 41,596 - Acceptances payable
Kewajiban derivatif 2,207 2,207 - - - - Derivatives payable
Liabilitas atas efek-efek yang Liabilities from marketable securities
dijual dengan janji dibeli kembali 3,081,103 - 3,081,103 - - - sold under agreements to repurchase
Efek utang yang Debt securities
diterbitkan - neto 1,871,461 - - - 903,103 968,358 issued - net
Pinjaman yang diterima 17,533,761 - 993,190 - 3,206,553 13,334,018 Borrowings
Bunga yang masih harus Accrued interest expense
dibayar dan bagi hasil 285,191 - 285,191 - - - and revenue sharing
Liabilitas lain-lain*) 576,882 576,882 - - - - Other liabilities*)
Obligasi subordinasi 3,679,163 - - - - 3,679,163 Subordinated bonds
Total liabilitas keuangan 156,747,680 55,016,488 29,378,987 21,470,729 29,768,976 21,112,500 Total financial liabilities
*) Terdiri dari setoran jaminan, jasa produksi, dan *) Consist of security deposits, production service, and
penghargaan kerja gratuity
Bank dan entitas anak telah membangun model The Bank and its subsidiaries has developed a
pengukuran risiko likuiditas untuk mengukur risiko liquidity risk measurement model to measure the
likuiditas dari portofolio aset dan liabilitas Bank dan liquidity risk of the Bank and its subsidiaries’ assets
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
entitas anak berdasarkan skenario normal, and liabilities portfolio, based on normal case,
spesifik, dan krisis secara triwulan dengan proses specific case, and crisis case scenarios by liquidity
stress test likuiditas. stress testing process.
49. Risiko Suku Bunga 49. Interest Rate Risk
Risiko suku bunga merupakan potensi kerugian Interest rate risk is the Bank and its subsidiaries’
Bank dan entitas anak yang timbul akibat fluktuasi potential losses arising from market interest rates
suku bunga pasar yang berlawanan dengan posisi fluctuations as opposed to the position of the Bank
portofolio Bank dan entitas anak. and its subsidiaries’ portfolios.
Bank dan entitas anak melakukan pengukuran The Bank and its subsidiaries conduct
risiko suku bunga meliputi penilaian risiko suku measurement of interest rate risk that includes
bunga yang melekat pada aset, kewajiban, dan assessing inherent interest rate risk in asset,
pada posisi off balance sheet; penggunaan konsep liabilities, and off balance sheet positions;
keuangan yang berlaku secara umum dan teknik- implementation of the generally applicable financial
teknik manajemen risiko; asumsi dan parameter concept and risk management techniques;
yang terdokumentasi dan dievaluasi secara assumptions and parameters which are
berkala; terintegrasi dengan proses manajemen documented and evaluated regularly; integrated
risiko secara rutin baik dari aspek pengambilan with periodic risk management process either from
keputusan, struktur governance maupun proses the aspect of decision making, governance
alokasi modal internal. Dengan menggunakan structure or internal capital allocation process. By
metodologi tersebut, Bank dan entitas anak dapat using such methodologies, the Bank and its
mengidentifikasi risiko suku bunga dari portofolio subsidiaries can identify interest rate risk of asset
aset dan kewajiban yang sensitif terhadap and liabilities portfolio that are sensitive to interest
perubahan suku bunga serta menentukan besaran rate changes and determine the risk scale for the
risiko terhadap Bank dan entitas anak. Bank and its subsidiaries.
Tabel di bawah ini menyajikan informasi mengenai The following table presents information on the
tingkat suku bunga rata-rata per tahun untuk aset average annual interest rates for significant
dan liabilitas keuangan yang penting untuk tahun financial assets and liabilities for the years ended
yang berakhir pada tanggal 31 Desember 2023 December 31, 2023 and 2022 :
dan 2022 :
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Mata uang Mata uang
asing/ asing/
Rupiah/ Foreign Rupiah/ Foreign
Rupiah currencies Rupiah currencies
ASET ASSETS
Giro pada bank lain 1.38 0.00 1.18 0.05 Current accounts with other banks
Penempatan pada bank Indonesia Placements with Bank Indonesia
dan bank Lain 4.30 1.34 3.98 0.53 and other banks
Surat berharga 6.10 2.40 6.00 2.20 Marketable securities
Tagihan atas efek-efek yang dibeli Receivable from marketable securities
dengan janji dijual kembali 6.22 0.00 5.73 0.00 purchased under agreement to resell
Wesel ekspor dan tagihan lainnya 4.00 1.50 6.80 0.00 Bills and other receivables
Kredit yang diberikan 12.11 6.84 12.15 2.27 Loans
LIABILITAS LIABILITIES
Simpanan nasabah Deposits from customers
- Giro 0.06 0.02 0.13 0.02 Current accounts -
- Tabungan 0.12 0.04 0.27 0.04 Savings -
- Deposito berjangka 3.48 1.31 3.38 0.47 Time deposits -
Simpanan dari bank lain Deposits from other banks
- Giro 0.45 0.00 0.66 0.00 Current accounts -
- Tabungan 1.07 0.00 1.09 0.00 Savings -
- Deposito berjangka 4.34 0.00 3.52 0.00 Time deposits -
Liabilitas atas efek-efek yang dijual Liabilities from marketable securities sold
dengan janji dibeli kembali 0.00 0.00 6.05 0.00 under agreement to repurchase
Pinjaman yang diterima 8.92 0.00 7.15 0.00 Borrowings
Efek hutang yang diterbitkan 8.04 0.00 8.44 0.00 Debt securities issued
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Page 856
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tabel di bawah ini mengikhtisarkan eksposur Bank dan entitas anak terhadap risiko The following tables summarize the Bank and its subsidiaries’ exposures to the interest
tingkat suku bunga (gross): rate risk (gross):
31 Desember/December 31, 2023
Lebih dari Lebih dari Lebih dari Lebih dari Lebih dari
3 bulan tapi 1 tahun tapi 2 tahun tapi 3 tahun tapi 4 tahun tapi
tidak lebih tidak lebih tidak lebih tidak lebih tidak lebih
dari 1 tahun/ dari 2 tahun/ dari 3 tahun/ dari 4 tahun/ dari 5 tahun/ Tidak
Tidak lebih More than More than More than More than More than Lebih dari Suku bunga dikenakan
dari 3 bulan/ 3 months 1 year but 2 years but 3 years but 4 years but 5 tahun/ tetap/ bunga/
Not more but not not more not more not more not more More Fixed Non
than more than than than than than than interest -interest Total/
3 months 1 year 2 years 3 years 4 years 5 years 5 years rate bearing Total
Aset Keuangan Financial Assets
Kas - - - - - - - - 3,530,074 3,530,074 Cash
Giro pada Bank Indonesia 14,879,767 - - - - - - - - 14,879,767 Current accounts with Bank Indonesia
Giro pada bank lain 1,196,787 - - - - - - - - 1,196,787 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia and
Indonesia dan bank lain - - - - - - - 3,886,989 - 3,886,989 other banks
Surat berharga - - - - - - - 30,976,967 - 30,976,967 Marketable securities
Wesel ekspor dan tagihan lainnya - 689,974 - - - - - - - 689,974 Bills and other receivables
Tagihan derivatif 1,289 - - - - - - - - 1,289 Derivative receivable
Tagihan akseptasi - - - - - - - 288,944 - 288,944 Acceptances receivable
Kredit yang diberikan 3,556,636 9,501,328 3,432,278 4,400,409 1,555,200 26,027 12,892,792 80,935,399 - 116,300,069 Loans
Pembiayaan syariah - - - - - - - - 8,778,114 8,778,114 Sharia financing
Penyertaan saham - - - - - - - - 190,089 190,089 Investment in shares
Bunga yang masih akan diterima - - - - - - - - 1,367,656 1,367,656 Accrued interest income
Aset lain-lain*) - - - - - - - - 17,871 17,871 Other assets*)
Total aset keuangan 19,634,479 10,191,302 3,432,278 4,400,409 1,555,200 26,027 12,892,792 116,088,299 13,883,804 182,104,590 Total financial assets
Liabilitas Keuangan Financial Liabilities
Liabilitas segera - - - - - - - - 2,212,830 2,212,830 Obligations due immediately
Simpanan nasabah Deposits from customers
- Giro 21,259,773 - - - - - - - - 21,259,773 Current accounts -
- Tabungan 31,302,277 - - - - - - - - 31,302,277 Savings-
- Deposito berjangka 46,420,617 2,881,565 24,614,155 - - - - - - 73,916,337 Time deposits -
Simpanan syariah 948,316 - - - - - - - - 948,316 Deposits form customer - sharia
Simpanan dari bank lain Deposits from other banks
- Giro 528,779 - - - - - - - - 528,779 Current accounts -
- Tabungan 442,577 - - - - - - - - 442,577 Savings -
- Deposito berjangka 494,546 187,565 2,919 - - - - - - 685,030 Time deposits -
- Interbank call money 860,000 - - - - - - - - 860,000 Interbank call money -
Liabilitas atas efek-efek yang dijual dengan Liabilities from marketable securities
janji dibeli kembali 4,244,805 - - - - - - - - 4,244,805 sold under agreements to repurchase
Liabilitas derivatif 23 - - - - - - - - 23 Derivatives payable
Liabilitas akseptasi - - - - - - - 288,944 - 288,944 Acceptance payables
Efek hutang yang diterbitkan 957,991 - - - - - - - - 957,991 Debt securities issued
Pinjaman yang diterima - - - - - - - 20,323,823 - 20,323,823 Borrowings
Bunga yang masih harus Accrued interest expense
dibayar dan bagi hasil - - - - - - - - 285,191 285,191 and revenue sharing
Liabilitas lain-lain**) - - - - - - - - 499,943 499,943 Other liabilities**)
Total liabilitas keuangan 107,459,704 3,069,130 24,617,074 - - - - 20,612,767 2,997,964 158,756,639 Total financial liabilities
Total gap repricing suku bunga (87,825,225) 7,122,172 (21,184,796) 4,400,409 1,555,200 26,027 12,892,792 95,475,532 10,885,840 23,347,951 Total gap repricing interest rate
*) Terdiri dari setoran jaminan dan aset ijarah *) Consists of security deposits and ijarah assets
**) Terdiri dari setoran jaminan, jasa produksi, dan penghargaan kerja **) Consist of security deposits, production service, and gratuity
Approval for Printing paraf:
182
Page 857
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Lebih dari Lebih dari Lebih dari Lebih dari Lebih dari
3 bulan tapi 1 tahun tapi 2 tahun tapi 3 tahun tapi 4 tahun tapi
tidak lebih tidak lebih tidak lebih tidak lebih tidak lebih
dari 1 tahun/ dari 2 tahun/ dari 3 tahun/ dari 4 tahun/ dari 5 tahun/ Tidak
Tidak lebih More than More than More than More than More than Lebih dari Suku bunga dikenakan
dari 3 bulan/ 3 months 1 year but 2 years but 3 years but 4 years but 5 tahun/ tetap/ bunga/
Not more but not not more not more not more not more More Fixed Non
than more than than than than than than interest -interest Total/
3 months 1 year 2 years 3 years 4 years 5 years 5 years rate bearing Total
Aset Keuangan Financial Assets
Kas - - - - - - - - 3,300,031 3,300,031 Cash
Giro pada Bank Indonesia 13,032,593 - - - - - - - - 13,032,593 Current accounts with Bank Indonesia
Giro pada bank lain 1,243,695 - - - - - - - - 1,243,695 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia and
Indonesia dan bank lain - - - - - - - 7,156,807 - 7,156,807 other banks
Surat berharga - - - - - - - 27,387,574 - 27,387,574 Marketable securities
Efek-efek yang dibeli Receivable from marketable securities
dengan janji dijual kembali - - - - - - - 3,129,032 - 3,129,032 purchased under agreement to resell
Wesel ekspor dan tagihan lainnya - 843,826 - - - - - - - 843,826 Bills and other receivables
Tagihan derivatif 17,388 - - - - - - - - 17,388 Derivative receivable
Tagihan akseptasi - - - - - - - 227,970 - 227,970 Acceptances receivable
Kredit yang diberikan 297,916 6,258,924 13,569,249 4,661,062 3,882,899 10,489,636 65,065,966 4,114,040 - 108,339,692 Loans
Pembiayaan syariah - - - - - - - - 7,415,908 7,415,908 Sharia financing
Penyertaan saham - - - - - - - - 142,093 142,093 Investment in shares
Bunga yang masih akan diterima - - - - - - - - 1,169,105 1,169,105 Accrued interest income
Aset lain-lain*) - - - - - - - - 37,185 37,185 Other assets*)
Total aset keuangan 14,591,592 7,102,750 13,569,249 4,661,062 3,882,899 10,489,636 65,065,966 42,015,423 12,064,322 173,442,899 Total financial assets
Liabilitas Keuangan Financial Liabilities
Liabilitas segera - - - - - - - - 2,403,981 2,403,981 Obligations due immediately
Simpanan nasabah Deposits from customers
- Giro 24,761,246 - - - - - - - - 24,761,246 Current accounts -
- Tabungan 26,666,155 - - - - - - - - 26,666,155 Savings-
- Deposito berjangka 22,968,256 47,527,136 96,550 - - - - - - 70,591,942 Time deposits -
Simpanan syariah 795,979 - - - - - - - - 795,979 Deposits form customer - sharia
Simpanan dari bank lain Deposits from other banks
- Giro 613,890 - - - - - - - - 613,890 Current accounts -
- Tabungan 392,837 - - - - - - - - 392,837 Savings -
- Deposito berjangka 281,969 319,675 3,419 - - - - 605,063 Time deposits -
- Interbank call money 2,850,000 - - - - - - - 2,850,000 Interbank call money -
Liabilitas atas efek-efek yang dijual dengan Liabilities from marketable securities
janji dibeli kembali 3,081,103 - - - - - - - - 3,081,103 sold under agreements to repurchase
Liabilitas derivatif 2,207 - - - - - - - - 2,207 Derivatives payable
Liabilitas akseptasi - - - - - - - 227,970 - 227,970 Acceptance payables
Efek hutang yang diterbitkan 1,871,461 - - - - - - - - 1,871,461 Debt securities issued
Pinjaman yang diterima - - - - - - - 17,533,761 - 17,533,761 Borrowings
Bunga yang masih harus Accrued interest expense
dibayar dan bagi hasil - - - - - - - - 254,160 254,160 and revenue sharing
Liabilitas lain-lain**) - - - - - - - - 576,882 576,882 Other liabilities**)
Total liabilitas keuangan 84,285,103 47,846,811 99,969 - - - - 17,761,731 3,235,023 153,228,637 Total financial liabilities
Total gap repricing suku bunga (69,693,511) (40,744,061) 13,469,280 4,661,062 3,882,899 10,489,636 65,065,966 24,253,692 8,829,299 20,214,262 Total gap repricing interest rate
*) Terdiri dari setoran jaminan dan aset ijarah *) Consists of security deposits and ijarah assets
**) Terdiri dari setoran jaminan, jasa produksi, dan penghargaan kerja **) Consist of security deposits, production service, and gratuity
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
i. Risiko tingkat suku bunga i. Interest rate risk
Analisis sensitivitas untuk beberapa faktor Sensitivity analysis for several market factors
pasar menunjukkan bagaimana laba rugi dan showing how profit or loss and equity could be
ekuitas dapat dipengaruhi oleh perubahan dari affected by changes in the relevant risk factor
beberapa faktor risiko sesuai dengan tabel are in the following tables below. In general,
dibawah ini. Secara umum, sensitivitas sensitivity is estimated by comparing an initial
diestimasi dengan membandingkan suatu nilai value to the value derived after a specified
awal ke nilai tertentu setelah perubahan change in the market factor, assuming all
tertentu dari faktor pasar, dengan other variables are constant. The sensitivity of
mengasumsikan seluruh variabel lainnya the statement of income is the effect of the
tetap. Sensitivitas atas laporan laba rugi assumed changes in interest rates on the
merupakan efek atas perubahan estimasi suku profit or loss for a period, based on the floating
bunga atas laba rugi untuk suatu periode, rate trading and non-trading financial assets
berdasarkan nilai suku bunga mengambang and liabilities held by the Bank and its
atas aset dan liabilitas yang diperdagangkan subsidiaries. The sensitivity of the
dan tidak diperdagangkan yang dimiliki Bank consolidated statement of comprehensive
dan entitas anak. Analisis sensitivitas atas income is calculated by revaluing fixed rate
laporan laba rugi komprehensif konsolidasian available-for-sale financial assets for the
dihitung dengan menilai kembali perubahan effects of the assumed changes in interest
estimasi suku bunga tetap atas aset keuangan rates. The total sensitivity of the consolidated
yang tersedia untuk dijual. Jumlah sensitivitas statement of comprehensive income is based
atas laporan laba rugi komprehensif on the assumption that there are parallel shifts
konsolidasian didasarkan pada asumsi bahwa in the yield curve.
terdapat perubahan paralel dalam kurva
penghasilan.
Tabel di bawah ini menunjukkan sensitivitas The table below demonstrates the sensitivity
dari laporan laba rugi dan penghasilan of the Bank and its subsidiaries’ consolidated
komprehensif lain konsolidasian Bank dan statement of profit or loss and other
entitas anak terhadap kemungkinan comprehensive income to reasonably possible
perubahan wajar atas suku bunga untuk aset changes in interest rates for fixed rate financial
dan liabilitas keuangan dengan suku bunga assets and liabilities as of December 31, 2023
tetap pada tanggal and 2022:
31 Desember 2023 dan 2022:
31 Desember 2023/December 31, 2023
Dampak ke
laporan laba rugi dan
penghasilan komprehensif
lain konsolidasian
sebelum pajak/
Impact to the
consolidated
Perubahan basis statement
poin/Change of comprehensive
in basis point income before tax
Rupiah +125 (198,406) Rupiah
+50 (79,362)
-50 79,362
-125 198,406
Valas +125 (53,641) Foreign currency
+50 (21,456)
-50 21,456
-125 53,641
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember 2022/December 31, 2022
Dampak ke
laporan laba rugi dan
penghasilan komprehensif
lain konsolidasian
sebelum pajak/
Impact to the
consolidated
Perubahan basis statement
poin/Change of comprehensive
in basis point income before tax
Rupiah +125 (407) Rupiah
+50 (112,002)
-50 112,002
-125 407
Valas +125 (74,952) Foreign currency
+50 (29,981)
-50 29,981
-125 74,952
50. Risiko Operasional 50. Operational Risk
Risiko operasional adalah risiko akibat Operational risk is the risk due to the inadequacy
ketidakcukupan dan/atau tidak berfungsinya and/or non-functioning of internal processes,
proses internal, kesalahan manusia, kegagalan human error, system failure, and/or the existence
sistem, dan/atau adanya kejadian-kejadian of external events affecting the Bank and its
eksternal yang mempengaruhi operasional Bank subsidiaries’ operations.
dan entitas anak.
Sebagai wujud pelaksanaan proses terhadap risiko As a possible implementation of the process of
operasional yang mungkin terjadi, Bank dan entitas operational risks, the Bank and its subsidiaries has
anak telah mengembangkan suatu sistem dengan developed a system using its own measurement
menggunakan metodologi pengukuran sendiri, methodology, using Risk Control Self Assessment
menggunakan tools Risk Control Self Assessment (RCSA) tools performed by each risk taking unit,
(RCSA) yang dilakukan oleh masing-masing risk assessing key indicators (Key Risk Indicator) Bank
taking unit, melakukan penilaian terhadap terhadap used as early warning system and must report
indikator-indikator utama (Key Risk Indicator) Bank loss/potential loss arising from operational risk in
dan entitas anak yang digunakan sebagai early Lost Event Database (LED) tools. The whole
warning system serta wajib melaporkan timbulnya process referred to is an effort to increase risk
kerugian/potensi kerugian yang timbul akibat risiko awareness to the potential risks faced by the Bank
operasional dalam tools Lost Event Database and its subsidiaries and as a guide for
(LED). Keseluruhan proses dimaksud merupakan management to control and mitigate the impact of
upaya guna meningkatkan risk awareness risks arising.
terhadap potensi-potensi risiko yang dihadapi oleh
Bank dan entitas anak dan sebagai pedoman bagi
manajemen guna melakukan pengendalian dan
mitigasi terhadap dampak risiko yang timbul.
Sebagai bentuk kecukupan penerapan manajemen As a form of the adequacy of risk management
risiko, Bank dan entitas anak menerapkan proses implementation, the Bank and its subsidiaries
manajemen risiko sesuai dengan Peraturan implements a risk management process in
Otoritas Jasa Keuangan Nomor 18/POJK.03/2016 accordance with the Financial Services Authority
tanggal 16 Maret 2016 tentang Penerapan Regulation Number 18/POJK.03/2016 dated
Manajemen Risiko bagi Bank dan entitas anak March 16, 2016 concerning the Implementation of
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Umum diantaranya melakukan pengkajian atas Risk Management for Commercial Banks among
produk dan/atau aktivitas baru atau others undertaking an assessment of new products
pengembangan yang meningkatkan profil risiko and/or activities or increase the risk profile of the
produk dan/atau aktivitas Bank dan entitas anak. Bank and its subsidiaries’ product and/or activity.
Bank dan entitas anak telah melakukan The Bank and its subsidiaries has calculated the
perhitungan beban modal risiko operasional operational risk capital charge under the Basel
berdasarkan Basel Committee on Banking Committee on Banking Supervision and the
Supevision dan Peraturan Otoritas Jasa Keuangan Financial Services Authority Regulation Number
Nomor 11/POJK.03/2016 Tanggal 29 Januari 2016 11/POJK.03/2016 dated January 29, 2016
tentang Kewajiban Penyediaan Modal Minimum regarding the Minimum Capital Requirement for
Bank Umum. Berdasarkan ketentuan tersebut, Commercial Banks. Based on these provisions, the
Bank dan entitas anak dalam melakukan Bank and its subsidiaries performs operational risk
perhitungan ATMR risiko operasional Risk calculations using the Basic Indicator
menggunakan menggunakan Pendekatan Indikator Approach. The Bank and its subsidiaries use the
Dasar (Basic Indicator Approach). Bank dan entitas methodology of the Basic Indicator approach and
anak menggunakan metodologi pendekatan Basic are currently in a more complex development
Indicator dan saat ini masih dalam proses process method.
pengembangan dengan metode yang lebih
kompleks.
Bank dan entitas anak memiliki Business The Bank and its subsidiaries has a Business
Continuity Management (BCM) yaitu proses Continuity Management (BCM), which is an
manajemen atau protokol terpadu dan menyeluruh integrated and comprehensive management or
untuk memastikan kelangsungan operasional Bank protocol process to ensure the continuity of the
dan entitas anak dalam menjalani bisnis dan Bank and its subsidiaries’ operations in conducting
melayani nasabah. Ruang lingkup BCM terdiri dari business and serving customers. The BCM scope
Business Continuity Plan (BCP) sebagai prosedur consists of a Business Continuity Plan (BCP) as a
kelangsungan usaha Bank dan entitas anak serta Bank and its subsidiaries business continuity
Emergency Response Plan (ERP) sebagai procedure and Emergency Response Plan (ERP)
prosedur tanggap darurat bencana dalam rangka as a disaster emergency response procedure in
penyelamatan data dan aset serta Disaster order to save data and assets as well as a Disaster
Recovery Plan (DRP) sebagai prosedur Recovery Plan (DRP) as a continuation procedure
kelangsungan sistem dan infrastruktur pendukung for Information Technology supporting systems and
Teknologi Informasi dan terus disempurnakan infrastructure and is continuously refined and
serta disesuaikan dengan perkembangan bisnis adapted to the business and system developments
dan sistem yang dimiliki Bank dan entitas anak. of the Bank and its subsidiaries.
51. Manajemen Modal dan Rasio Kewajiban 51. Capital Management and Capital Adequacy
Penyediaan Modal Minimum Ratio (CAR)
Tujuan manajemen permodalan Bank dan entitas The objective of the Bank and its subsidiaries’
anak adalah untuk memastikan bahwa permodalan capital management is to ensure that capital meets
telah memenuhi persyaratan permodalan dari capital requirements of external provisions, as a
ketentuan eksternal, sebagai penyangga untuk buffer to absorb operating losses and other losses,
menyerap kerugian operasional dan kerugian as a basis for establishing the maximum crediting
lainnya, sebagai dasar bagi penetapan batas limit, to evaluate bank's ability to generate profits in
maksimum pemberian kredit, untuk mengevaluasi maximizing shareholder value.
tingkat kemampuan bank dalam menghasilkan
keuntungan dalam memaksimalkan nilai
pemegang saham.
Bank dan entitas anak mengatur struktur modal The Bank and its subsidiaries regulates the capital
dan membuat penyesuaian atas perubahan kondisi structure and makes adjustments to changes in
ekonomi dan karakteristik risiko kegiatannya. economic conditions and risk characteristics of its
Dalam rangka mempertahankan atau activities. In order to maintain or adjust the capital
menyesuaikan struktur modal, Bank dan entitas structure, the Bank and its subsidiaries measures
anak melakukan pengukuran tingkat kecukupan the level of capital adequacy expressed in the
modal yang dinyatakan dalam rasio kecukupan capital adequacy ratio (CAR).
modal atau capital adequacy ratio (CAR).
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
CAR pada tanggal 31 Desember 2023 dan 2022 CAR on December 31, 2023 and 2022 was
dihitung berdasarkan Peraturan Otoritas Jasa calculated based on the Otoritas Jasa Keuangan
Keuangan Nomor 34/POJK.03/2016 tanggal 22 Regulation (POJK) Number 34/POJK.03/2016
September 2016 Tentang Perubahan Atas dated September 22, 2016 concerning
Peraturan Otoritas Jasa Keuangan Amendments to the Otoritas Jasa Keuangan
Nomor 11/POJK.03/2016 Tentang Kewajiban Regulation (POJK) Number 11/POJK.03/2016
Penyediaan Modal Minimum Bank Umum dimana concerning the Minimum Capital Requirement for
komponen modal terdiri dari modal inti (modal inti Commercial Banks where capital consist of core
utama/Common Equity Tier 1 dan modal inti capital (Common Equity Tier 1 and additional Tier
tambahan) dan modal pelengkap (Tier 2). 1) and supplementary capital (Tier 2).
Penentuan kepatuhan Bank dan entitas anak The determination of the Bank and its subsidiaries’
terhadap ketentuan pemenuhan mínimum rasio compliance with the provisions on the fulfillment of
kecukupan modal yang berlaku berdasarkan pada the minimum capital adequacy ratio applicable
Peraturan Otoritas Jasa Keuangan (POJK) based on the Financial Services Authority (POJK)
No. 11/POJK.03/2016. Adapun berdasarkan Regulation No.11/POJK.03/2016. Based on the
penilaian self-asesessment atas profil risiko Bank and its subsidiaries’ risk assessment as of
31 Desember 2022 berada pada peringkat low to December 31, 2022, which are low to moderate the
moderate, maka CAR minimum per minimum CAR as of December 31, 2023 and 2022
31 Desember 2023 dan 2022 ditetapkan masing- are set at 9% to less than 10%.
masing sebesar 9% sampai dengan kurang dari
10%.
Rasio kewajiban penyediaan modal minimum pada The capital adequacy ratio as of December 31,
tanggal-tanggal 31 Desember 2023 dan 2022 2023 and 2022 (parent entity) are as follows:
(entitas induk) adalah sebagai berikut:
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Modal Inti (Tier 1 ) Core Capital (Tier 1)
- Modal Inti Utama 15,957,427 14,153,318 Common Equity Tier 1 -
- Modal Inti Tambahan - Additional Tier 1 -
Jumlah modal inti (Tier 1 ) 15,957,427 14,153,318 Total Core Capital (Tier 1)
Modal Pelengkap (Tier 2 ) 4,279,495 4,216,313 Suplementary Capital (Tier 2)
Total modal 20,236,922 18,369,631 Total Capital
Aset Tertimbang Menurut Risiko (ATMR) Risk Weighted Assets for
untuk Risiko Kredit 81,782,417 75,595,792 Credit Risk
Aset Tertimbang Menurut Risiko (ATMR) Risk Weighted Assets for
untuk Risiko Operasional 7,050,353 3,482,497 Operational Risk
Aset Tertimbang Menurut Risiko (ATMR) Risk Weighted Assets for
untuk Risiko Pasar 4,929,560 15,586,791 Market Risk
Total ATMR 93,762,330 94,665,080 Tota RWA
Rasio CET 1 17.02% 14.95% CET 1 Ratio
Rasio Tier 1 17.02% 14.95% Tier 1 Ratio
Rasio Tier 2 4.56% 4.45% Tier 2 Ratio
Total rasio 21.58% 19.40% Ratio Total
Rasio Minimum Tier 1 6.00% 6.00% Tier 1 Minimum Ratio
Rasio Minimum CET 1 4.50% 4.50% CET 1 Minimum Ratio
CAR Minimum berdasarkan Profil Risiko 9.24% 9.24% Minimum CAR Based on Risk Profile
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
52. Manajemen Risiko 52. Risk Management
Bank dan entitas anak telah mengimplementasikan The Bank and its subsidiaries has implemented
prosedur manajemen risiko sesuai dengan POJK risk management procedures in accordance with
No.18/POJK.03/2016, tanggal 16 Maret 2016 the POJK No.18/POJK.03/2016, dated
tentang Penerapan Manajemen Risiko bagi Bank March 16, 2016 regarding the Implementation of
Umum dan SEOJK No.34/SEOJK.03/2016 tanggal Risk Management for Commercial Banks and
1 September 2016 tentang Penerapan Manajemen SEOJK No.34/SEOJK.03/2016 dated
Risiko bagi Bank Umum sehingga Bank dan entitas September 1, 2016 concerning the Application of
anak harus mengelola serta melakukan mitigasi Risk Management for Commercial Banks so the
risiko sesuai ruang lingkup aktivitas bisnisnya, Bank and its subsidiaries must manage and
yaitu risiko kredit, risiko pasar, risiko operasional, mitigate risks according to the scope of its
risiko likuiditas, risiko hukum, risiko reputasi, risiko business activities, namely credit risk, market risk,
strategis, dan risiko kepatuhan. operational risk, liquidity risk, legal risk, reputation
risk, strategic risk, and compliance risk.
Profil Risiko Risk Profile
Bank dan entitas anak juga membuat profil risiko The Bank and its subsidiaries also prepare a risk
yang secara garis besar dapat memetakan unit profile which is able to map those business units
kerja yang memiliki risiko maupun potensi risiko which carry risks as well as the potential risks that
yang menganggu kelangsungan bisnis Bank dan affect the Bank and its subsidiaries’ abilities to
entitas anak serta menggunakan 5 (lima) komposit continue as a going concern and also use five
untuk delapan jenis risiko yang dihadapi Bank dan composites for eight types of risk encountered by
entitas anak. the Bank and its subsidiaries.
Bank dan entitas anak telah membentuk struktur The Bank and its subsidiaries have established an
organisasi manajemen risiko yang terpusat dan independent and centralized organization structure
independen yang memiliki fungsi mengidentifikasi, for risk management which has the function to
mengukur, memonitor dan mengelola risiko-risiko identify measure, monitor and maintain basic risk
dasar serta menetapkan pedoman serta kebijakan and to set guidelines and risk policy.
risiko.
Pengungkapan mengenai risiko kredit, risiko nilai The disclosure on credit risk, foreign exchange
tukar, risiko likuiditas, risiko suku bunga, risiko risk, liquidity risk, interest rate risk, market risk, and
pasar, dan risiko operasional telah diungkapkan operational risk has been made in separate notes
dalam catatan tersendiri (Catatan 46, 47, 48, dan (Notes 46, 47, 48, and 49).
49).
a. Risiko hukum a. Legal risks
Risiko hukum adalah risiko yang disebabkan Legal risk is the risk raised by weaknesses in
oleh adanya kelemahan aspek yuridis dalam juridicial aspects of the business, which may
bisnis, yang antara lain disebabkan adanya be caused by legal claims, non-existence of
tuntutan hukum, ketiadaan peraturan supported regulation or weaknesses in
perundang-undangan yang mendukung, atau agreements, such as unfulfilled terms and
kelemahan perikatan seperti tidak dipenuhinya conditions in contracts and binding collateral
syarat sahnya kontrak dan pengikatan agunan which is not complete.
yang tidak sempurna.
Bank dan entitas anak mengelola risiko hukum Legal risks are managed by ensuring that all
dengan memastikan seluruh aktivitas dan activities and business relationships between
hubungan kegiatan usaha Bank dan entitas the Bank and its subsidiaries with third parties
anak dengan pihak ketiga didasarkan pada are based on rules and conditions which able
aturan dan persyaratan yang dapat melindungi to protect the Bank and its subsidiaries’
kepentingan Bank dan entitas anak dari segi interests from a legal perspective.
hukum.
b. Risiko reputasi b. Reputational risks
Risiko reputasi adalah risiko yang antara lain Reputational risk is the risk that is caused by
disebabkan oleh adanya publikasi negatif yang negative publicity related to the business
terkait dengan kegiatan usaha Bank dan activity of the Bank and its subsidiaries or
entitas anak atau persepsi negatif terhadap negative perception of the Bank and its
Bank dan entitas anak. subsidiaries.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Bank dan entitas anak mengelola risiko The Bank and its subsidiaries manage their
reputasi dengan memastikan kesesuaian reputational risk by ensuring that its business
antara aktivitas kegiatan usaha Bank dan activities are in conformity with its other
entitas anak bersama-sama dengan aktivitas activities, so as to maintain the Bank and its
lain sehingga reputasi Bank dan entitas anak subsidiaries’ reputation.
tetap terjaga.
c. Risiko strategis c. Strategic risks
Risiko strategis adalah risiko yang antara lain Strategic risk is the risk that is caused by
disebabkan adanya penetapan dan inappropriate determination and
pelaksanaan strategi Bank dan entitas anak implementation of the Bank and its
yang tidak tepat, pengambilan keputusan subsidiaries strategy, inappropriate business
bisnis yang tidak tepat atau kurang decisions or being un-responsive to external
responsifnya Bank dan entitas anak terhadap changes.
perubahan eksternal.
Bank dan entitas anak mengelola risiko The Bank and its subsidiaries manage
strategis melalui proses pertimbangan dan strategic risks through a consideration of, and
pengambilan keputusan setiap kebijakan decision-making process regarding every
strategis secara kolektif dan komprehensif strategic policy in a collective and
oleh Direksi dan Komite-Komite yang telah comprehensive manner performed by the
dibentuk. established Directors and Committees.
d. Risiko kepatuhan d. Compliance risks
Risiko kepatuhan adalah risiko yang timbul Compliance risk is the risk that rises because
akibat Bank dan entitas anak tidak mematuhi Bank and its subsidiaries did not comply
dan/atau tidak melaksanakan peraturan and/or did not follow the law and regulation,
perudang-undangan dan ketentuan yang including sharia principle for Sharia Bank and
berlaku, termasuk prinsip syariah bagi Bank Sharia Business Unit.
Umum Syariah dan Unit Usaha Syariah.
Bank dan entitas anak melaksanakan fungsi The Bank and its subsidiaries perform
kepatuhan meliputi tindakan untuk: compliance function including:
1. Mewujudkan terlaksananya budaya 1. To create compliance culture in all level of
kepatuhan pada semua tingkatan organitation and the Bank and its
organisasi dan kegiatan usaha Bank dan subsidiaries’ business activities;
entitas anak;
2. Mengelola risiko kepatuhan yang dihadapi 2. Manages compliance risk face by the
oleh Bank dan entitas anak; tindakan Bank and its subsidiaries; managing
mengelola risiko kepatuhan dilaksanakan compliance risk is based on Bank
dengan mengacu pada ketentuan Bank Indonesia’s regulation about Risk
Indonesia mengenai Manajemen Risiko Management for the Bank and its
Bagi Bank Umum; subsidiaries;
3. Memastikan agar kebijakan, ketentuan, 3. Ensure policy, regulation, system and
sistem, dan prosedur serta kegiatan procedure, and bank business activities
usaha yang dilakukan oleh Bank telah inline with Bank Indonesia’s regulation
sesuai dengan ketentuan Bank Indonesia and law, including sharia principle for
dan peraturan perundang-undangan yang Sharia Bank and Sharia Business Unit;
berlaku, termasuk Prinsip Syariah bagi and
Bank Umum Syariah dan Unit Usaha
Syariah; dan
4. Memastikan kepatuhan Bank dan entitas 4. Ensure bank’s compliance with
anak terhadap komitmen yang dibuat oleh comitments made by the Bank and its
Bank dan entitas anak kepada Indonesia subsidiaries to Indonesia and/or other
dan/atau otoritas pengawas lain yang monitoring authority.
berwenang.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
53. Jaminan Pemerintah terhadap Liabilitas 53. Government Guarantee for Payment Liability of
Pembayaran Bank Umum Commercial Banks
Berdasarkan Keputusan Presiden Republik Based on Article 8 of the Decision
Indonesia No.15 tahun 2004 tentang pengakhiran No. 15 year 2004 of the President of the Republic
tugas dan pembubaran BPPN, dinyatakan dalam of Indonesia regarding the termination of the role
pasal 8 bahwa dengan diakhirinya tugas dan and winding-up of IBRA, the Government
dibubarkannya BPPN, Program Penjaminan Guarantee Program on the obligations of domestic
Pemerintah terhadap kewajiban pembayaran bank banks, which was originally handled by IBRA
umum yang semula dilakukan oleh BPPN based on the Decisions of the President of the
berdasarkan Keputusan Presiden Republik Republic of Indonesia No. 26 year 1998 and
Indonesia No. 26 tahun 1998 dan Keputusan No. 27 year 1998, shall be handled by the Ministry
Presiden Republik Indonesia No. 27 tahun 1998, of Finance, specifically by the Government
selanjutnya dilaksanakan oleh Menteri Keuangan Guarantee Implementation Unit (Unit Pelaksanaan
melalui Unit Pelaksanaan Penjaminan Pemerintah Penjaminan Pemerintah) (UP3) as provided in the
(UP3) sebagaimana diatur oleh Keputusan Decision of the President of the Republic of
Presiden Republik Indonesia No. 17 tahun 2004, Indonesia No. 17 year 2004, which was further
yang diatur lebih lanjut dengan Keputusan Menteri regulated by the Decision No. 84/KMK.06/2004
Keuangan No. 84/KMK.06/2004 tanggal dated February 27, 2004 of the Ministry of Finance
27 Februari 2004 tentang Perubahan atas regarding the Amendment of Decision
Keputusan Menteri Keuangan Republik Indonesia No. 179/ KMK.017/2000 of the Ministry of Finance
No. 179/KMK.017/2000 tentang Syarat, Tatacara on the Terms, Implementing Guidelines, and
dan Ketentuan Pelaksanaan Jaminan Pemerintah Conditions of the Government Guarantees on the
terhadap Kewajiban Pembayaran Bank Umum. obligations of commercial banks.
Program Penjaminan Pemerintah melalui UP3 The Guarantee Program by the Government
telah berakhir pada tanggal 22 September 2005, through UP3 ended on September 22, 2005, as
sebagaimana dinyatakan dalam Peraturan Menteri stated in Regulation No. 68/PMK.05/2005 dated
Keuangan Republik Indonesia August 10, 2005 of the Ministry of Finance
No. 68/PMK.05/2005 tanggal 10 Agustus 2005 concerning the Calculation and Payments of
tentang Perhitungan dan Pembayaran Premi Premium on Guarantee Program from Commercial
Program Penjaminan Terhadap Pembayaran Bank Banks for the period July 1 to September 21, 2005.
Umum untuk periode 1 Juli sampai 21 September To replace UP3, the Indonesia Deposit Insurance
2005. Sebagai pengganti UP3 Pemerintah telah Corporation (LPS), which is an independent
membentuk Lembaga Independen, yaitu Lembaga institution that guarantees public funds including
Penjamin Simpanan (LPS) berdasarkan Undang- funds from other banks in the form of demand
undang Republik Indonesia No. 24 tahun 2004 deposits, time deposits, certificates of deposit,
tanggal 22 September 2004 tentang Lembaga savings deposits and/or other equivalent form, was
Penjamin Simpanan dimana LPS menjamin dana established based on Law of the Republic of
masyarakat termasuk dana dari bank lain dalam Indonesia No. 24 year 2004 dated
bentuk giro, deposito, sertifikat deposito, tabungan September 22, 2004.
dan/atau bentuk lainnya yang dipersamakan
dengan itu.
Berdasarkan Peraturan Pemerintah Republik Based on Government Regulation No. 66 year
Indonesia No. 66 tahun 2008 tanggal 2008 dated October 13, 2008 regarding the
13 Oktober 2008 mengenai Besarnya Nilai Amount of Deposit Guaranteed by the Indonesia
Simpanan yang Dijamin Lembaga Penjaminan Deposit Insurance Corporation, the amount of
Simpanan, jumlah simpanan yang dijamin LPS deposit covered by LPS is up to Rp2,000 per
adalah simpanan sampai dengan Rp2.000 untuk depositor per bank.
per nasabah per bank.
Pada tanggal 13 Januari 2009, Pemerintah On January 13, 2009, the Government of
Republik Indonesia telah mengesahkan Perppu the Republic of Indonesia stipulated Perppu
No. 3/2008 menjadi Undang-undang. No. 3/2008 to become a law.
Suku bunga penjaminan LPS pada tanggal LPS interest rates guarantee as of December
31 Desember 2023 dan 2022 masing-masing 31, 2023 and 2022 were 4.25% and 3.75%,
adalah sebesar 4,25% dan 3,75% untuk simpanan respectively, for deposits in Rupiah and 2.25% and
dalam mata uang rupiah, dan masing-masing 1.75% for deposits in foreign currencies.
sebesar 2,25% dan 1,75% untuk simpanan dalam
mata uang asing.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tahun yang berakhir pada tanggal The Bank and its subsidiaries paid a premium on
31 Desember 2023 dan 2022, Bank dan entitas the guarantee program amounting to Rp257,285
anak telah membayar premi program penjaminan and Rp264,985 and for the years ended December
masing-masing sebesar Rp257.285 dan 31, 2023 and 2022, respectively.
Rp264.985.
54. Perikatan-Perikatan yang Signifikan 54. Significant Agreements
a. Perjanjian penyelenggaraan Anjungan Tunai a. Joint Automated Teller Machine (“ATM”)
Mandiri (“ATM”) Bersama agreement
1. Pada tanggal 1 Agustus 2007, Bank 1. On August 1, 2007, the Bank entered into a
mengadakan perjanjian sebagai Issuer Bank Joint Issuer Bank agreement with PT Rintis
dengan PT Rintis Sejahtera. Dalam perjanjian Sejahtera. Based on this agreement, the Bank
tersebut, Bank akan mendapatkan manfaat will utilize a joint ATM network of 75,744 ATM
jaringan ATM PRIMA di 75.744 ATM di seluruh units throughout Indonesia. The agreement will
Indonesia. Perjanjian tersebut berlaku sampai due on May 14, 2023.
dengan tanggal 14 Mei 2023.
2. Pada tanggal 1 April 2008, Bank mengadakan 2. On April 1, 2008, the Bank entered into a Joint
perjanjian penyelenggaraan ATM Bersama ATM agreement with PT Artajasa Pembayaran
dengan PT Artajasa Pembayaran Elektronik. Elektronik. Based on this agreement, the Bank
Dalam perjanjian tersebut, Bank akan will utilize a joint ATM network of 81,728 ATM
mendapatkan manfaat jaringan ATM Bersama units throughout Indonesia. The agreement will
di 81.728 ATM di seluruh Indonesia. Perjanjian due on June 8, 2024.
tersebut berlaku sampai dengan tanggal 8 Juni
2024.
b. Jasa Bank Pengumpulan Uang Tol b. Collection of Toll Fees
Bank telah mengadakan perikatan pengumpulan The Bank has signed an agreement for toll fees
uang tol dengan PT Jasa Marga (Persero) Tbk collections with PT Jasa Marga (Persero) Tbk
dengan data sebagai berikut: summarized as follows:
Kantor Cabang/ Perusahaan/ No. Perjanjian/ Tanggal Perjanjian/
No. Branch Company Agreement No. Agreement Date
1 Purbaleunyi PT Jasa Marga CH.HK08.004 dan 1 Februari /
(Persero) Tbk 001/SK-OPS.PKS/2016 February 1, 2016
Berdasarkan perjanjian tersebut, pengelola jalan Based on the agreement, the management of the
tol memberi kuasa kepada Bank untuk mengambil toll roads gives authorization to the Bank to take
hasil pendapatan tol dan menyimpannya di the toll fees revenue in cash and deposit it in the
rekening pengelola jalan tol pada Bank. management’s account at the Bank.
Masa berlaku perjanjian dimulai sejak perjanjian The validity period of these agreements started
ditandatangani dan dapat diperpanjang sesuai since they were signed and can be extended in
dengan kesepakatan para pihak. accordance with the agreements of the parties.
c. Nota Kesepahaman dan Perjanjian Kerja Sama c. Memorandum of Understanding (MoU) and
(PKS) dengan beberapa perusahaan BUMN dan Cooperation Agreements with several state-
Institusi lainnya di Indonesia owned enterprises and other institutions in
Indonesia
1. Pada tanggal 6 Juni 2021, Bank telah 1. On June 6, 2021, the Bank has signed a
melakukan penandatanganan Perjanjian Kerja Cooperation Agreement with the West Java
Sama dengan Pemerintah Provinsi Jawa Barat. Provincial Government.
Ruang lingkup Kerja Sama ini tentang The scope of this collaboration is about the use
pemanfaatan fasilitas layanan perbankan of banking service facilities in the context of
dalam rangka pengelolaan keuangan desa dan managing village finances and BUMDes in the
BUMDes di Wilayah Jawa Barat. Perjanjian ini West Java region. This agreement has a term
memiliki jangka waktu 5 tahun. of 5 years.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. Pada tanggal 15 September 2021, Bank telah 2. On September 15, 2021, the Bank has signed a
melakukan penandatanganan Perjanjian Kerja Cooperation Agreement with the Banten
Sama dengan Tim Pembina Samsat Provinsi Province Samsat Development Team.
Banten.
Ruang lingkup Kerja Sama ini tentang The scope of this cooperation concerning
pelayanan pembayaran pajak kendaraan services for payment of motor vehicle taxes,
bermotor, bea balik nama kendaraan bermotor, transfer fees for motor vehicles, contribution of
sumbangan wajib dana kecelakaan lalu lintas mandatory funds for road traffic accidents, non-
jalan, penerimaan negara bukan pajak dan tax state revenues and registration and
registrasi dan identifikasi kendaraan bermotor, identification of motorized vehicles as well as
serta pengesahan surat tanda nomor ratification of vehicle numbers through all office
kendaraan melalui seluruh jaringan kantor dan networks and PT Bank Pembangunan Daerah
jaringan elektronik PT Bank Pembangunan Jawa Barat dan Banten, Tbk in the legal
Daerah Jawa Barat dan Banten Tbk pada territory of the Banten Regional Police in
wilayah hukum kepolisian daerah Banten di Banten Province. This agreement has a term of
Provinsi Banten. Perjanjian ini memiliki jangka 3 years.
waktu 3 tahun.
3. Pada tanggal 16 Agustus 2022 Bank telah 3. On August 16, 2022 the Bank has signed a
melakukan penandatanganan Nota Memorandum of Understanding with Badan
Kesepahaman dengan Badan Perlindungan Perlindungan Pekerja Migran Indonesia.
Pekerja Migran Indonesia.
Ruang Lingkup Kerja Sama Ini tentang Produk The Scope of This Cooperation Is About
dan Jasa Layanan Perbankan Bagi Pekerja Banking Products and Services for Indonesian
Migran Indonesia. Perjanjian ini memiliki jangka Migran Workers. This agreement has a term of
waktu 3 tahun. 3 years.
4. Pada tanggal 21 Oktober 2022, Bank telah 4. On October 21, 2022, the Bank has signed a
melakukan penandatanganan Perjanjian Kerja Cooperation Agreement with PT Bank
Sama dengan PT Bank Pembangunan Daerah Pembangunan Daerah Bengkulu.
Bengkulu.
Ruang Lingkup Kerja Sama Ini tentang The Scope of This Cooperation Concerning
Layanan Penerimaan Pembayaran Pajak Services for Accepting Local Tax Payments
Daerah dan Retribusi Daerah secara Host to and Regional Retribution on a Host to Host
Host. Perjanjian ini memiliki jangka waktu 3 basis. This agreement has a term of 3 years.
tahun.
5. Pada tanggal 26 Januari 2023 Bank telah 5. On January 26, 2023 the Bank signed a
melakukan penandatanganan Perjanjian Kerja Cooperation Agreement with Jenderal Achmad
Sama dengan Universitas Jenderal Achmad Yani University (UNJANI).
Yani (UNJANI).
Ruang Lingkup Kerja Sama Ini tentang The Scope of This Collaboration Regarding the
Pemberian Fasilitas Kredit Ritel, Bantuan Provision of Retail Credit Facilities, Payment
Penagihan dan Pembayaran Kolektif Angsuran Services, Online bjb Virtual Account Services
Kredit Ritel, Layanan Pembayaran Gaji Billing Assistance and Collective Payment of
Karyawan, Layanan bjb Virtual Account Online. Retail Credit Installments, Employee Salary
6. Pada tanggal 1 Februari 2023 Bank telah 6. On February 1, 2023 the Bank has signed a
melakukan penandatanganan Nota Memorandum of Understanding with PT Kereta
Kesepahaman dengan PT Kereta Cepat Api Indonesia - China (KCIC).
Indonesia – China (KCIC).
The scope of This Cooperation Concerns the
Ruang Lingkup Kerja Sama Ini tentang
Development of Payment System Integrity,
Pengembangan Integritas Sistem Pembayaran,
Ticket Sales and Banking Services.
Penjualan Tiket, dan Jasa Layanan Perbankan.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
7. Pada tanggal 18 Februari 2023 Bank telah 7. On February 18, 2023 the Bank has signed a
melakukan pendantanganan Nota Memorandum of Understanding with the West
Kesepahaman dengan Polda Jawa Barat. Java Regional Police.
Ruang Lingkup Kerja Sama Ini tentang The scope of this collaboration concerns the
Layanan Penyaluran Tunjangan Kinerja Bagi distribution of performance allowances for civil
Pegawai Negeri Pada Kepolisian Daerah Jawa servants at the West Java Regional Police.
Barat.
8. Pada tanggal 10 Maret 2023 Bank telah 8. On March 10, 2023 the Bank has signed a
melakukan penandatanganan Nota Memorandum of Understanding with the West
Kesepahaman dengan Polda Jawa Barat. Java Regional Police.
Ruang Lingkup Kerja Sama Ini tentang The Scope of This Cooperation Regarding the
Pemanfaatan Produk dan Jasa Layanan Utilization of Banking Products and Services.
Perbankan.
9. Pada tanggal 16 Maret 2023 Bank telah 9. On March 16, 2023 the Bank has signed a
melakukan penandatanganan Nota Memorandum of Understanding with PT Jasa
Kesepahaman dengan PT Jasa Sarana. Sarana.
Ruang Lingkup Kerja Sama Ini tentang The Scope of This Cooperation Regarding the
Pemanfaatan Produk dan Jasa Layanan Utilization of Banking Products and Services.
Perbankan.
10. Pada tanggal 19 Juni 2023 Bank telah 10. On June 19, 2023 the Bank has signed a
melakukan penandatanganan Nota Memorandum of Understanding with Gadjah
Kesepahaman dengan Universitas Gadjah Mada University.
Mada.
Ruang Lingkup Kerja Sama Ini tentang The Scope of This Cooperation Concerning
Pendidikan, Penelitian, dan Pengabdian Education, Research, and Community Service.
Kepada Masyarakat.
11. Pada tanggal 7 Juni 2023 Bank telah 11. On June 7, 2023 the Bank has signed a
melakukan penandatanganan Nota Memorandum of Understanding with Trisakti
Kesepahaman dengan Universitas Trisakti. University.
Ruang Lingkup Kerja Sama Ini tentang The Scope of This Cooperation Concerning
Pendidikan, Penelitian, dan Pengabdian Education, Research, and Community Service.
Kepada Masyarakat.
12. Pada tanggal 23 Juni 2023 Bank telah 12. On June 23, 2023 the Bank has signed a
melakukan penandatanganan Nota Memorandum of Understanding with PT
Kesepahaman dengan PT Pertamina Pertamina (Persero).
(Persero).
Ruang Lingkup Kerja Sama Ini tentang The Scope of This Cooperation Regarding
Penempatan Dana Jangka Pendek. Placement of Short Term Funds
13. Pada tanggal 03 Juli 2023 Bank telah 13. On July 3, 2023 the Bank signed a Cooperation
melakukan penandatanganan Perjanjian Kerja Agreement with PT Adhi Persada Beton.
Sama dengan PT Adhi Persada Beton.
Ruang lingkup Kerja Sama ini tentang Layanan The scope of this collaboration is About
Pembayaran Gaji Karyawan (Payroll Service). Employee Salary Payment Services (Payroll
Service).
14. Pada tanggal 6 Juli 2023 Bank telah melakukan 14. On July 6, 2023 the Bank signed a Cooperation
penandatanganan Perjanjian Kerja Sama Agreement with the Surakarta City
dengan Pemerintah Kota Surakarta. Government.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Ruang Lingkup Kerja Sama ini tentang The scope of this collaboration concerns the
Penyediaan Layanan Perbankan Dalam provision of banking services for regional tax
Penerimaan Pajak Daerah di Kota Surakarta. revenues in the city of Surakarta.
15. Pada tanggal 18 Juli 2023 Bank telah 15. On July 18, 2023 the Bank signed a
melakukan penandatanganan Perjanjian Kerja Cooperation Agreement with the Cirebon City
Sama dengan Perusahaan Daerah Regional Development Company.
Pembangunan Kota Cirebon.
Ruang lingkup Kerja Sama ini tentang Layanan The scope of this collaboration concerns the
Penerimaan Pembayaran Tiket BRT Trans Trans Cirebon BRT Ticket Payment
Cirebon. Acceptance Service.
16. Pada tanggal 21 Juli 2023 Bank telah 16. On July 21, 2023 the Bank signed a
melakukan penandatanganan Perjanjian Kerja Cooperation Agreement with BPKAD Cimahi
Sama dengan BPKAD Kota Cimahi. City.
Ruang lingkup Kerja Sama ini tentang The scope of this collaboration concerns
Penerimaan Pembayaran Pajak Daerah Kota Cimahi City Regional Tax Payment Receipts.
Cimahi.
17. Pada tanggal 24 Juli 2023 Bank telah 17. On July 24, 2023 the Bank signed a
melakukan penandatanganan Perjanjian Kerja Cooperation Agreement with PT Flaga Media
Sama dengan PT Flaga Media Asia. Asia.
Ruang lingkup Kerja Sama ini tentang Layanan The scope of this collaboration is About
Pembayaran Gaji Karyawan (Payroll Service). Employee Salary Payment Services (Payroll
Service).
18. Pada tanggal 14 Agustus 2023 Bank telah 18. On August 14, 2023 the Bank signed a
melakukan penandatanganan Perjanjian Kerja Cooperation Agreement with BPKAD Banjar
Sama dengan BPKAD Kota Banjar. City.
Ruang Lingkup Kerja Sama ini tentang The scope of this collaboration is about the
Layanan Penerimaan Setoran Pendapatan Asli Service for Accepting Regional Original Income
Daerah di Kota Banjar. Deposits in Banjar City.
19. Pada tanggal 24 Agustus 2023 Bank telah 19. On August 24, 2023 the Bank signed a
melakukan penandatanganan Perjanjian Kerja Cooperation Agreement with PT Waskita Karya
Sama dengan PT Waskita Karya Infrastruktur Infrastruktur.
Ruang Lingkup Kerja Sama ini tentang The scope of this collaboration is about
Layanan Pembayaran Gaji Karyawan (Payroll Employee Salary Payment Services (Payroll
Service). Service).
20. Pada tanggal 25 Agustus 2023 Bank telah 20. On August 25, 2023 the Bank signed a
melakukan penandatanganan Perjanjian Kerja Cooperation Agreement with the Pangandaran
Sama dengan Badan Pendapatan Daerah Regency Regional Revenue Agency.
Kabupaten Pangandaran.
Ruang Lingkup Kerja Sama ini tentang The scope of this collaboration is about
Layanan Penerimaan Setoran Pajak Daerah di Regional Tax Deposit Receiving Services in
Kabupaten Pangandaran. Pangandaran Regency.
21. Pada tanggal 13 September 2023 Bank telah 21. On September 13, 2023 the Bank signed a
melakukan penandatanganan Perjanjian Kerja Cooperation Agreement with Mandiri
Sama dengan Universitas Mandiri. University.
Ruang Lingkup Kerja Sama ini tentang Jasa The scope of this collaboration concerns
Layanan Perbankan. banking services.
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PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
22. Pada tanggal 16 September 2023 Bank telah 22. On September 16, 2023 the Bank signed a
melakukan penandatanganan Nota Memorandum of Understanding with the
Kesepahaman dengan Himpunan Peternak Indonesian Sheep and Goat Breeders
Domba Kambing Indonesia. Association
Ruang Lingkup Kerja Sama ini tentang The scope of this collaboration concerns the
Pemanfaatan Produk Jasa Layanan Perbankan use of banking products and services to
Untuk Mendukung Kegiatan Organisasi. support organizational activities
23. Pada tanggal 16 Oktober 2023 Bank telah 23. On October 16, 2023 the Bank signed a
melakukan penandatanganan Perjanjian Kerja Cooperation Agreement with the Bekasi City
Sama dengan Pemerintah Kota Bekasi. Government.
Ruang Lingkup Kerja Sama ini tentang The scope of this collaboration concerns
Pengelolaan Kartu Kredit Pemerintah Daerah. regional government credit card management.
24. Pada tanggal 16 Oktober 2023 Bank telah 24. On October 16, 2023 the Bank signed a
melakukan penandatanganan Nota Memorandum of Understanding with
Kesepahaman dengan Universitas Widyatama. Widyatama University.
Ruang Lingkup Kerja Sama ini tentang Kerja The scope of this collaboration is about
Sama Tridharma Perguruan Tinggi dan Tridharma Collaboration in Higher Education
Pemanfaatan Produk dan Jasa Layanan and the Utilization of Banking Products and
Perbankan. Services.
25. Pada tanggal 03 November 2023 Bank telah 25. On November 3, 2023 the Bank signed a
melakukan penandatanganan Nota Memorandum of Understanding with Sriwidjaya
Kesepahaman dengan Universitas Sriwidjaya. University.
Ruang Lingkup Kerja Sama ini tentang The scope of this collaboration concerns
Pendidikan, Penelitian, Pengabdian kepada education, research, community service and
masyarakat dan Pengembangan Sumber Daya resource development and utilization of
serta Pemanfaatan Jasa Layanan Perbankan. banking services.
26. Pada tanggal 15 November 2023 Bank telah 26. On November 15, 2023 the Bank signed a
melakukan penandatanganan Perjanjian cooperation agreement with the Banjar City
kerjasama dengan Pemerintah Kota Banjar. Government.
Ruang Lingkup Kerja Sama ini tentang The scope of this collaboration concerns the
Pengelolaan Kartu Kredit Pemerintah Domestik management of domestic government credit
Bank bjb. cards at Bank bjb.
27. Pada tanggal 17 November 2023 Bank telah 27. On November 17, 2023 the Bank signed a
melakukan penandatanganan Nota Memorandum of Understanding with PT
Kesepahaman dengan PT Telkomsel. Telkomsel.
Ruang Lingkup Kerja Sama ini tentang The scope of this collaboration concerns the
Pemanfaatan Produk Jasa Layanan Perbankan utilization of banking and telecommunications
dan Telekomunikasi. services products.
28. Pada tanggal 08 Desember 2023 Bank telah 28. On December 8, 2023 the Bank signed a
melakukan penandatanganan Perjanjian Kerja Cooperation Agreement with Perum Bulog.
Sama dengan Perum Bulog.
Ruang Lingkup Kerja Sama ini tentang The scope of this collaboration concerns the
Pemanfaatan Fasilitas Kartu ATM dan Debet use of ATM and Debit Card Facilities Co - Boss
Co – Branding Member Boss Food. Food Member Branding.
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Page 870
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
29. Pada tanggal 13 Desember 2023 Bank telah 29. On December 13, 2023 the Bank signed a
melakukan penandatanganan Perjanjian Kerja Cooperation Agreement with the Depok City
Sama dengan Pemerintah Kota Depok. Government.
Ruang Lingkup Kerja Sama ini tentang The scope of this collaboration concerns the
Pengelolaan Kartu Kredit Pemerintah management of domestic government credit
Domestik. cards.
30. Pada tanggal 15 Desember 2023 Bank telah 30. On December 15 2023, the Bank signed a
melakukan penandatanganan Nota Memorandum of Understanding with PT
Kesepahaman dengan PT Perusahaan Rajawali Nusantara Indonesia National
Perkembangan Ekonomi Nasional Rajawali Economic Development Company.
Nusantara Indonesia.
Ruang Lingkup Kerja Sama ini tentang The scope of this collaboration concerns the
Adendum MOU Pemanfaatan Produk dan Jasa Addendum to the MOU for Utilization of
Layanan Perbankan. Banking Products and Services.
55. Informasi Tambahan Arus Kas 55. Additional Information on Cash Flows
a. Transaksi non-kas a. Non-cash transaction
31 Desember/ 31 Desember/
December 31, December 31,
2023 2022
Penambahan aset hak guna Additional right of use assets
melalui liabilitas sewa 83,698 - through lease liabilities
b. Rekonsiliasi liabilitas yang timbul dari aktivitas b. Reconciliation of liability arising from financing
pendanaan. activities.
31 Desember/ Arus kas/Cash flows 31 Desember/
December 31, Penerimaan/ Pembayaran/ Lain-lain/ December 31,
2022 Receipt Payment Others 2023
Pinjaman yang diterima 17,533,761 8,279,249 (5,489,187) - 20,323,823 Borrowing
Efek hutang Debt securities
yang diterbitkan 1,871,461 - (916,500) 3,030 957,991 issued
Liabilitas sewa 448,901 - (78,954) 83,698 453,645 Lease liability
Total 23,533,286 8,279,249 (6,484,641) 86,728 21,735,459 Total
31 Desember/ Arus kas/Cash flows 31 Desember/
December 31, Penerimaan/ Pembayaran/ Lain-lain/ December 31,
2021 Receipt Payment Others 2022
Pinjaman yang diterima 12,161,667 12,449,516 (7,077,422) - 17,533,761 Borrowing
Efek hutang Debt securities
yang diterbitkan 2,403,547 - (534,300) 2,214 1,871,461 issued
Obligasi subordinasi 2,988,492 1,000,000 (307,000) (2,329) 3,679,163 Subordinated bonds
Liabilitas sewa 589,310 - (41,109) (99,300) 448,901 Lease liability
Total 18,143,016 13,449,516 (7,959,831) (99,415) 23,533,286 Total
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Page 871
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH
JAWA BARAT DAN BANTEN TBK JAWA BARAT DAN BANTEN TBK
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam jutaan Rupiah, (Expressed in million Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
56. Peristiwa Setelah Tanggal Neraca 56. Subsequent Events
a. Penyertaan Modal Tahap II a. Participation of Phase II Capital
Atas penyertaan modal Bank ke PT Bank For the Bank's capital investment into PT Bank
Pembanguna Daerah Bengkulu, Bank telah Pembangunan Daerah Bengkulu,The Bank has
mendapatkan persetujuan OJK untuk menjadi also received OJK approval to become the
pemegang saham pengendali Bank Bengkulu controlling shareholder of Bank Bengkulu
melalui keputusan Dewan Komisioner OJK No through the decision of the OJK Board of
KEP-21/D.03/2024 Tanggal 21 Februari 2024 Commissioners No KEP-21/D.03/2024 dated
tentang Hasil Penilaian Kemampuan Dan 21 February 2024 concerning the results of the
Kepatutan PT Bank Pembangunan Daerah fit and proper test of PT Bank Pembangunan
Jawa Barat Dan Banten Tbk Sebagai Calon Daerah West Java and Banten Tbk as a
Pemegang Saham Pengendali Dan Pemerintah candidate Controlling Shareholders and the
Daerah Provinsi Jawa Barat Sebagai Calon Regional Government of West Java Province
Ultimate Shareholder PT Bank Pembangunan as Candidates for Ultimate Shareholders of PT
Daerah Bengkulu. Bank Pembangunan Daerah Bengkulu.
57. Penyelesaian Laporan Keuangan 57. Completion of the Consolidated Financial
Konsolidasian Statements
Manajemen bertanggung jawab penuh terhadap The Management is responsible for the preparation
penyusunan laporan keuangan konsolidasian of the accompanying consolidated financial
terlampir yang diselesaikan dan disetujui statements that were completed and authorized for
untuk diterbitkan oleh Direksi pada tanggal issue by the Board of Directors on
29 Februari 2024. February 29, 2024.
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2023 Laporan Tahunan Annual Report PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. KANTOR PUSAT HEAD OFFICE Menara bank bjb Jl. Naripan No. 12-14 Bandung 40111 Tel : (+6222)-4234868
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