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#ImpianmuBersamaKami
PT Bank IBK Indonesia Tbk
Stable Growth through
Customer Priority
2025
Laporan Tahunan dan
Laporan Keberlanjutan
Annual Report and
Sustainability Report
Page 2
2 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 3
Stable Growth through
Customer Priority
Dalam menghadapi dinamika industri perbankan yang semakin kompleks,
Bank IBK Indonesia mengarahkan strategi pertumbuhan pada pendekatan
yang berpusat pada nasabah sebagai fondasi utama keberlanjutan kinerja.
Bank meyakini bahwa pemahaman yang mendalam terhadap kebutuhan dan
ekspektasi nasabah menjadi kunci dalam menghadirkan solusi keuangan
yang relevan, inovatif, dan bernilai tambah. Melalui penguatan kualitas
layanan dan hubungan jangka panjang, Bank tidak hanya mendorong
pertumbuhan bisnis, tetapi juga membangun basis yang lebih solid dan
berkesinambungan.
Sejalan dengan itu, Bank terus berupaya menjaga keseimbangan antara
ekspansi dan prinsip kehati-hatian guna memastikan tercapainya stabilitas
kinerja secara berkelanjutan. Setiap langkah pertumbuhan ditempuh
secara terukur, didukung oleh pengelolaan risiko yang disiplin dan tata
kelola yang kuat. Dengan menempatkan nasabah sebagai inti strategi dan
stabilitas sebagai landasan, Bank terus memperkuat ketahanan usaha serta
menciptakan nilai jangka panjang bagi seluruh pemangku kepentingan.
In response to the increasingly complex dynamics of the banking industry, Bank IBK Indonesia
has focused its growth strategy on a customer-centric approach as the key foundation for sus-
tainable performance. The Bank believes that a thorough understanding of customer needs and
expectations is essential to delivering financial solutions that are relevant, innovative, and pro-
vide added value. By enhancing service quality and fostering long-term relationships, the Bank
not only drives business growth but also builds a stronger and more sustainable foundation.
Furthermore, the Bank continues to strive for a balance between expansion and the principle of
prudence to ensure the achievement of sustainable performance stability. Every step of growth
is taken in a measured manner, supported by disciplined risk management and strong gover-
nance. By placing customers at the core of its strategy and stability as its foundation, the Bank
continues to strengthen business resilience and create long-term value for all stakeholders.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 3
Page 4
Sanggahan dan
Batasan Tanggung Jawab
Disclaimer and Limitation of Liability
Laporan Tahunan dan Laporan Keberlanjutan 2025 Bank IBK Indonesia
berdasarkan Peraturan Otoritas Jasa Keuangan No. 29/POJK.04/2016
tentang Laporan Tahunan Emiten atau Perusahaan Publik serta Peraturan
Otoritas Jasa Keuangan No. 51/POJK.03/2017 tentang Penerapan Keuangan
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik.
Muatan konten laporan ini sesuai dengan Surat Edaran Otoritas Jasa Keuangan
No. 16/SEOJK.04/2021 tentang Bentuk dan Isi Laporan Tahunan Emiten atau
Perusahaan Publik.
Laporan ini memuat informasi terkait prinsip-prinsip keberlanjutan dalam seluruh
aspek bisnis yang dijalankan serta kinerja ekonomi, sosial, dan lingkungan Bank
selama periode 1 Januari 2025 hingga 31 Desember 2025, disertai dengan
perbandingan kinerja tahun-tahun sebelumnya. Selain itu, Laporan Tahunan dan
Laporan Keberlanjutan ini juga menyajikan informasi terkait proyeksi kerja Bank di
tahun selanjutnya yang disusun berdasarkan pernyataan-pernyataan prospektif
dan berbagai asumsi mengenai kondisi mendatang Bank, serta lingkungan
bisnis yang terkait, sehingga dapat mengakibatkan perkembangan aktual secara
material berbeda dari yang dilaporkan. Oleh karena itu, Bank mengimbau agar
pemangku kepentingan dapat menggunakan informasi tersebut secara bijak
dalam pengambilan keputusan.
Informasi lebih lanjut terkait laporan ini dan muatan di dalamnya dapat diperoleh
melalui:
Bank IBK Indonesia’s 2025 Annual Report and Sustainability Report are
prepared in accordance with Financial Services Authority Regulation No. 29/
POJK.04/2016 concerning Annual Reports of Issuers or Public Companies Sekretaris
and Financial Services Authority Regulation No. 51/POJK.03/ 2017 on the
Implementation of Sustainable Finance for Financial Services Institutions,
Perusahaan
Corporate Secretary
Issuers, and Public Companies. The content of this report complies with Financial
Services Authority Circular Letter No. 16/SEOJK.04/2021 concerning the Form
PT Bank IBK Indonesia Tbk
and Content of Annual Reports of Issuers or Public Companies.
Wisma GKBI Suite UG-01
Jl. Jend. Sudirman No. 28
This report contains information regarding sustainability principles across all
aspects of the Bank’s operations, as well as the Bank’s economic, social, and (021) 5790 8888
environmental performance during the period from January 1, 2025, to December
(021) 5790 6888
31, 2025, accompanied by a comparison with performance from previous
years. Additionally, this Annual Report and Sustainability Report also present corsec@ibk.co.id
information regarding the Bank’s projected operations for the coming year, which
are based on prospective statements and various assumptions regarding the
Bank’s future conditions and the relevant business environment; consequently,
actual developments may differ materially from those reported. Therefore, the
Bank urges stakeholders to use this information wisely in their decision-making.
Further information regarding this report and its contents can be obtained
through:
4 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 5
Kesinambungan Tema
Theme Continuity
2024 2023 2022
Grow with Customers Growth Forward: Optimizing Digital
Towards a Sustainable Innovating Banking to Deliver Excellence
Future Excellence
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 5
Page 6
Daftar Isi Perubahan yang Bersifat Signifikan
Significant Changes
Struktur Organisasi
88
90
Table of Contents Organizational Structure
Perubahan Komposisi Direksi Tahun 2025 92
Changes to The Composition of The Board of Directors in 2025
Profil Direksi 94
Profile of The Board of Directors
Sanggahan dan Batasan Tanggung Jawab 4
Disclaimer and Limitation of Liability Perubahan Komposisi Dewan Komisaris Tahun 2025 102
Changes to The Composition of The Board of Commissioners in 2025
Kesinambungan Tema 5
Theme Continuity Profil Dewan Komisaris 103
Profile of The Board of Commissioners
Daftar Isi 6
Table of Contents Profil Singkat Pejabat Senior 108
Brief Profiles of Senior Officers
Keunggulan Kompetitif 8
Competitive Advantages Demografi Karyawan 125
Employee Demographics
Pencapaian Kinerja 2025 10
2025 Performance Achievements Komposisi Kepemilikan Saham 126
Share Ownership Composition
Struktur Pemegang Saham Utama dan Pengendali 127
Ikhtisar Utama Main and Controlling Shareholding Structure
Performance Highlights Struktur Grup Bank 130
Bank Group Structure
Daftar Entitas Anak dan Entitas Asosiasi, serta Joint Venture 131
Ikhtisar Keuangan 14 List of Subsidiaries, Associates, and Joint Ventures
Financial Highlights
Kronologi Pencatatan Saham 131
Ikhtisar Saham 18 Stock Listing Chronology
Share Highlights
Kronologi Penerbitan Efek Lain 132
Ikhtisar Obligasi 19 Chronology of Other Securities Issuance
Bonds Highlights
Informasi Kantor Akuntan Publik (KAP) dan Akuntan Publik 133
Aksi Korporasi terkait Saham 19 Information on Public Accounting Firm (KAP) and Public Accountant
Corporate Actions Related to Shares
Lembaga dan Profesi Penunjang Pasar Modal 133
Penghentian Sementara Perdagangan Saham/Penghapusan 19 Capital Market Supporting Institutions and Professions
Pencatatan Saham
Temporary Suspension of Share Trading/Delisting of Shares Informasi Pada Situs Web Bank 135
Information on The Bank Website
Peristiwa Penting 20
Event Highlights Teknologi Informasi Sebagai Pilar Pendukung Keberlanjutan 137
Bisnis Bank
Penghargaan dan Sertifikasi 26 Information Technology as a Supporting Pillar for Bank Business
Awards and Certification Sustainability
Laporan Manajemen Analisis & Pembahasan Manajemen
Management Report Management Discussion & Analysis
Laporan Direksi 30
Board of Directors’ Report Dinamika Perekonomian Global, Nasional, dan Perkembangan 146
Industri Perbankan
Laporan Dewan Komisaris 48 Global, National, and Banking Industry Development Dynamics
Board of Commissioners’ Report
Tinjauan Operasional 148
Operational Review
Pejabat Eksekutif Penyusun Laporan Keuangan Bank 157
Profil Perusahaan Executive Officer Responsible for the Preparation of the Bank’s
Company Profile Financial Statements
Tinjauan Keuangan 158
Identitas Perusahaan 66 Financial Review
Company Identity Suku Bunga Dasar Kredit 170
Riwayat Singkat 67 Prime Lending Rate
Brief History Informasi Keuangan Material Lainnya 172
Jejak Langkah 70 Other Material Financial Information
Milestones
Visi, Misi, dan Budaya Organisasi 72
Vision, Mission, and Organizational Culture Tata Kelola Perusahaan
Kegiatan Usaha 74 Corporate Governance
Business Activities
Produk dan/atau Jasa 77 Komitmen Penerapan Tata Kelola Perusahaan yang Baik 194
Products and/or Services Commitment to Implementing Good Corporate Governance
Wilayah Operasional 84 Pedoman Pelaksanaan Tata Kelola Perusahaan yang Baik 195
Operational Area Good Corporate Governance Implementation Guidelines
Keanggotaan Asosiasi Keuangan Berkelanjutan 87 Tujuan Penerapan Tata Kelola Perusahaan yang Baik 196
Membership of Sustainable Finance Associations Purposes of Good Corporate Governance Implementation
6 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 7
Implementasi Pilar GCG pada Bank 197 Penyediaan Dana kepada Pihak Terkait dan Penyediaan Dana Besar 407 Implementation of Governance Pillars at the Bank Provision of Funds to Related Parties and Provision of Large Penilaian Penerapan GCG Bank 200 Exposures Assessment of Governance Implementation Share Option, Buyback Share, dan/atau Buyback Obligasi 408 Penerapan Pedoman Tata Kelola Perusahaan Terbuka 204 Share Option, Share Buyback, and/or Bond Buyback Implementation of Governance Guidelines of Public Company Rencana Strategis Bank 408 Struktur dan Mekanisme Tata Kelola 208 Bank’s Strategic Plan Governance Structure and Mechanism Transparansi Kondisi Keuangan dan Non-Keuangan 410 Rapat Umum Pemegang Saham 209 Transparency of Financial and Non-Financial Condition General Meeting of Shareholders Perselisihan Internal 411 Direksi 228 Internal Disputes Board of Directors Pemberian Dana untuk Kegiatan Sosial dan Kegiatan Politik 412 Dewan Komisaris 249 Provision of Funds for Social Activities and Political Activities Board of Commissioners Pengadaan Barang dan Jasa 413 Penilaian Kinerja Direksi dan Dewan Komisaris 273 Procurement of Goods and Services Performance Assessment of the Board of Directors and Board of Penerapan Tata Kelola pada Kantor Cabang Bank Luar Negeri 413 Commissioners (KCBLN) Nominasi dan Remunerasi Direksi dan Dewan Komisaris 276 Governance Implementation Overseas Bank Branch Offices Nomination and Remuneration of the Board of Directors and (KCBLN) Board of Commissioners Penerapan Keuangan Berkelanjutan 414 Hubungan Afiliasi Direksi dan Dewan Komisaris serta Pemegang 283 Implementation of Sustainable Finance Saham Utama dan/atau Pengendali Penerapan Tata Kelola dalam Kelompok Usaha Bank 415 Affiliate Relationship of the Board of Directors, Board of Implementation of Governance in Bank Business Groups Commissioners and the Main and Controlling Shareholders Transaksi yang memiliki Benturan Kepentingan 285 Transactions with Conflict of Interest Laporan Keberlanjutan Komite-Komite di Bawah Dewan Komisaris 286 Sustainability Report Committees under the Board of Commissioners Komite-Komite di Bawah Direksi 319 Komitmen Keberlanjutan 418 Committees under the Board of Directors Sustainability Commitment Sekretaris Perusahaan 343 Kebijakan dan Strategi Keberlanjutan 420 Corporate Secretary Sustainability Policy and Strategy Satuan Kerja Audit Internal 347 Ikhtisar Kinerja Keberlanjutan 425 Internal Audit Unit Highlights of Sustainability Performance Fungsi Kepatuhan 358 Tentang Laporan Keberlanjutan 428 Compliance Function About the Sustainability Report Akuntan Publik 363 Tata Kelola Keberlanjutan 432 Public Accountant Sustainability Governance Sistem Pengendalian Internal 366 Kinerja Keberlanjutan 447 Internal Control System Sustainability Performance Integritas Pelaporan Keuangan Bank 374 Lembar Umpan Balik 485 Integrity of Bank Financial Reporting Feedback Form Permodalan dan Sistem Manajemen Risiko 375 Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun 487 Capital and Risk Management System Sebelumnya Akses Informasi dan Data Bank 388 Response to Previous Year’s Sustainability Report Feedback Bank’s Information and Data Access Daftar Pengungkapan Sesuai POJK 488 Perkara Hukum Penting yang Dihadapi Bank 390 No. 51/POJK.03/2017 Significant Legal Cases Faced by the Bank List of Disclosures According to POJK No. 51/POJK.03/2017 Sanksi Administratif 393 Indeks Standar GRI 2021 491 Administrative Sanctions 2021 GRI Standards Index Sistem Pelaporan Pelanggaran 396 Tanggung Jawab Laporan Tahunan dan Laporan Keberlanjutan 495 Whistleblowing System Annual Report and Sustainability Report Responsibility Kebijakan Antikorupsi 400 Anti-Coruption Policy Pencegahan Insider Trading 401 Laporan Keuangan Insider Trading Prevention Financial Statements Kode Etik 402 Code of Conduct Program Anti-Pencucian Uang dan Pencegahan Pendanaan 405 Terorisme (APU-PPT), dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal (PPPSPM) Anti-Money Laundering and Counter-Terrorist Financing (AML-CTF), and Counter-Proliferation Financing of Weapons of Mass Destruction (CPF) Program Kebijakan Pemberian Kompensasi Jangka Panjang Berbasis 406 Kinerja kepada Manajemen dan/atau Karyawan Policy on the Provision of Performance-Based Long-Term Compensation to Management and/or Employees PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 7
Page 8
Keunggulan Kompetitif
Competitive Advantages
Di tengah persaingan industri perbankan yang semakin Amidst the increasingly tight competition in banking
ketat, Bank terus berfokus pada penguatan keunggulan industry, the Bank continues to focus on strengthening
kompetitif untuk mendukung pertumbuhan dan competitive advantages to support its business growth
keberlanjutan bisnis. Melalui strategi yang berorientasi and sustainability. Through strategies oriented towards
pada inovasi, efisiensi operasional, dan digitalisasi, Bank innovation, operational efficiency, and digitalization, the
berupaya memberikan nilai tambah yang maksimal bagi Bank strives to provide utmost added value for customers
nasabah sekaligus meningkatkan daya saing di pasar. while increasing its competitiveness in the market. The
Bank juga memperkuat kerja sama dengan mitra strategis, Bank also strengthens cooperation with strategic partners,
yang membuka peluang kolaborasi dan diversifikasi produk which opens up opportunities for collaboration and product
untuk memenuhi kebutuhan nasabah dengan lebih baik. diversification to better meet customer needs.
Komitmen ini tercermin dalam upaya Bank untuk memetakan This commitment is reflected in the Bank’s efforts to map the
pasar dengan cermat, sehingga dapat mengidentifikasi market carefully, so that it can identify and serve potential
dan melayani segmen-segmen potensial secara optimal. segments optimally. Technology support, digital service
Dukungan teknologi, pengembangan layanan digital, serta development, as well as credit portfolio and customer
peningkatan portofolio kredit dan simpanan nasabah deposit increase are solid foundations in the Bank’s
menjadi fondasi yang kokoh dalam strategi bisnis Bank. business strategy. More detailed information regarding the
Informasi lebih lengkap mengenai keunggulan kompetitif Bank’s competitive advantages is outlined as
yang dimiliki Bank diuraikan sebagai berikut: follows:
Inovasi Layanan Digitalisasi dan
Perbankan Teknologi
Banking Services Innovation Digitalization and Technology
Bank terus mengembangkan solusi inovatif untuk Bank memfokuskan strategi bisnis pada aspek
memenuhi kebutuhan nasabah, menawarkan digitalisasi untuk meningkatkan efisiensi operasional
pengalaman perbankan yang efisien, andal, dan dan memberikan layanan yang lebih responsif
memberikan nilai tambah bagi nasabah. Pendekatan kepada nasabah. Teknologi ini juga digunakan untuk
ini mendukung keunggulan Bank di tengah mengurangi biaya operasional, menjadikan Bank
persaingan industri keuangan yang dinamis. lebih kompetitif di industri keuangan.
The Bank continuously develops innovative solutions The Bank focuses its business strategy on digitalization
to meet customer needs, offering banking experiences aspect to improve operational efficiency and provide
that are efficient, reliable, and providing added value to more responsive services to customers. This technology
customers. This approach supports the Bank’s excellence is also utilized to reduce operational expenses, making
amidst dynamic competition in financial industry. the Bank more competitive in financial industry.
8 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 9
Kemitraan Strategis Pemetaan Pasar
Strategic Partnerships yang Cermat
Careful Market Mapping
Bank aktif memperluas kerja sama dengan mitra Bank melakukan pemetaan pasar yang jeli, yang
strategis, yang memungkinkan diversifikasi produk memungkinkan identifikasi segmen pasar potensial
dan peningkatan daya saing, terutama dalam sektor secara akurat. Hal ini membantu Bank dalam
UMKM dan korporasi. Kemitraan ini juga mencakup mengembangkan layanan yang lebih tepat sasaran
kolaborasi yang dapat memperkuat ekosistem sesuai dengan kebutuhan pasar lokal, meningkatkan
bisnis nasabah. kepuasan dan loyalitas nasabah.
The Bank actively expands cooperation with strategic The Bank conducts thorough market mapping, which
partners, which allows for product diversification and allows for accurate identification of potential market
increased competitiveness, particularly in MSME and segments. This helps the Bank develop more targeted
corporate sectors. This partnership also includes services according to local market needs, increasing
collaboration that can strengthen customer’s business customer satisfaction and loyalty.
ecosystem.
Penguatan Portofolio Kredit dan Simpanan Nasabah
Credit Portfolio and Customer Deposits Enhancement
Bank terus berupaya meningkatkan portofolio kredit Dengan pendekatan yang terarah dan berkesinambungan,
dan simpanan nasabah yang menjadi pendorong utama Bank bertekad untuk memberikan kontribusi positif pada
pertumbuhan laba dan pendapatan bunga bersih. industri keuangan nasional, menciptakan hubungan
Dengan pertumbuhan yang konsisten dalam kredit dan yang lebih kuat dengan para pemangku kepentingan,
simpanan nasabah, Bank memiliki posisi yang lebih kuat serta menjawab tantangan global yang dinamis dengan
untuk bersaing di industri perbankan. solusi yang inovatif dan berdaya saing tinggi.
The Bank strives to increase its credit portfolio and customer With a focused and sustainable approach, the Bank is
deposits that serve as the main drivers of profit growth and determined to make a positive contribution to the national
net interest income. With consistent growth in loans and financial industry, create stronger relationships with
customer deposits, the Bank has a stronger position to stakeholders, and respond to dynamic global challenges
compete in the banking industry. with innovative and highly competitive solutions.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 9
Page 10
Pencapaian Kinerja 2025
2025 Performance Achievements
Bank mencatat pertumbuhan intermediasi yang kuat The Bank recorded strong growth in intermediation, with
dengan penyaluran kredit meningkat 23,60% dan Dana loan disbursements increasing by 23.60% and third-
Pihak Ketiga tumbuh 26,65%, didukung oleh kenaikan party funds growing by 26.65%, supported by a 16.67%
total aset sebesar 16,67%. Pencapaian tersebut growth in total assets. These achievements reflect the
mencerminkan penguatan fundamental bisnis di tengah strengthening of the Bank’s business fundamentals amid
dinamika industri, dengan profitabilitas tetap terjaga pada industry dynamics, with profitability remaining steady at
level Rp197,43 miliar. IDR 197.43 billion.
Pertumbuhan Dana Pihak Ketiga (DPK)
Kredit Kuat Tumbuh Signifikan
Strong Loan Growth Third-Party Funds (DPK) Significantly
Increased
Kredit 2025 | Loans in 2025 DPK 2025 | DPK 2025
Rp
2024
14,47
Rp11,71 triliun
triliun
trillion
Rp
2024
11,92
Rp9,41 triliun
triliun
trillion
IDR 11.71 trillion IDR 9.41 trillion
Growth +23,60% Growth +26,65%
(yoy) (year-over-year) (yoy) (year-over-year)
Total Aset Melalui penerapan strategi yang
Meningkat Solid adaptif dan terukur, Bank mampu
Total Assets Steadily mempertahankan kinerja profitabilitas
Increased dengan membukukan laba bersih
sebesar Rp197,43 miliar.
Aset 2025 | Assets in 2025 Through the implementation of adaptive and
23,41
measured strategies, the Bank was able to
Rp triliun
trillion
maintain its profitability, recording a net income of
IDR 197.43 billion.
Pendapatan bunga tercatat sebesar
2024 Rp20,06 triliun Rp1,37 triliun pada tahun 2025, relatif
IDR 20.06 trillion
stabil dibandingkan tahun sebelumnya.
Interest income was recorded at IDR 1.37 trillion
Growth +16,67% in 2025, which was relatively consistent with the
(yoy) (year-over-year) previous year.
10 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 11
Peningkatan jumlah pembiayaan UMKM oleh Upaya penurunan jumlah emisi GRK Cakupan
IBK Bank mencerminkan komitmen berkelanjutan 1 dan Cakupan 2 dilakukan melalui optimalisasi
perusahaan dalam mendukung pencapaian Tujuan penggunaan energi secara efisien, seperti
Pembangunan Berkelanjutan (SDGs), khususnya pengurangan konsumsi listrik dan bahan bakar
dalam mendorong pertumbuhan ekonomi inklusif tanpa mengurangi efektivitas operasional.
dan pemberdayaan pelaku usaha kecil.
Efforts to reduce Scope 1 and Scope 2 greenhouse
The increase in MSME financing by IBK Bank reflects gas (GHG) emissions were carried out through the
the Company’s ongoing commitment to supporting the optimization of energy efficiency, such as reducing
achievement of the Sustainable Development Goals electricity and fuel consumption without compromising
(SDGs), particularly in promoting inclusive economic operational effectiveness.
growth and empowering small business actors.
Jumlah Pembiayaan UMKM Jumlah Emisi GRK Cakupan 1 dan 2
MSME Financing Scope 1 and Scope 2 GHG Emissions
2025 2025
2.034,19
2024 1.763,11 15,38%
1.791,6
TonCO2Eq
2024 2.858,3 37,32%
TonCO2Eq
Peningkatan alokasi biaya pelatihan dilakukan Intensitas Emisi GRK Cakupan 1
sebagai upaya strategis untuk meningkatkan dan Cakupan 2
kompetensi dan kualitas karyawan, sehingga Scope 1 and Scope 2 GHG Emissions Intensity
mampu mendukung kinerja perusahaan secara
optimal dan berkelanjutan, sejalan dengan 2025
0,0013
komitmen IBK Bank dalam pengembangan
sumber daya manusia.
The increase in training expenditure allocation
represents a strategic effort to enhance employee
competencies and capabilities, enabling them to
support the Company’s performance in an optimal and
sustainable manner, in line with IBK Bank’s commitment
to human capital development. TonCO2Eq/Rp Juta
TonCO2Eq/Rp million
Biaya Pelatihan
Training Expenditure 2024 0,0049 TonCO2Eq/Rp Juta
0.0049 TonCO2Eq/Rp million
2025
6.609
71,43%
Rp juta
millon
2024 Rp5.575 juta
IDR 5,575 millon
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 11
Page 12
Ikhtisar Utama Key Highlights
Page 13
’’
Performa optimal
Bank pada tahun
ini tak lepas
didukung oleh
penerapan strategi
bisnis yang terukur
dan disiplin eksekusi
yang solid
The Bank’s optimal performance
this year is supported by the
implementation of measurable
business strategies and a strong
execution discipline
Page 14
Ikhtisar Utama • Key Highlights
Ikhtisar Keuangan
Financial Highlights
Ikhtisar Laporan Laba (Rugi)
Statement of Profit (Loss) Highlights
(dalam jutaan Rupiah, kecuali dinyatakan lain) (in million IDR, unless stated otherwise)
Perubahan (2025-2024)
Uraian Changes (2025-2024)
2025 2024 2023
Description
Nominal (Rp) %
Pendapatan Bunga - Bersih 569.613 581.239 487.281 (11.626) (2,00)
Net Interest Income
Laba Operasional 255.181 279.936 176.596 (24.755) (8,84)
Operating Profit
Laba Sebelum Beban Pajak 254.809 280.009 176.645 (25.200) (9,00)
Profit Before Income Tax
Laba Bersih Tahun Berjalan 197.425 215.851 183.295 (18.426) (8,54)
Net Income for the Year
Jumlah Laba yang Dapat Diatribusikan kepada:
Total Profil Attributable to:
• Pemilik Entitas Induk 197.425 215.851 183.295 (18.426) (8,54)
Owner of Parent Entity
• Kepentingan Non-Pengendali - - - - -
Non-Controlling Interests
Jumlah Penghasilan Komprehensif Tahun Berjalan yang Dapat Diatribusikan kepada:
Total Comprehensive Income for the Year Attributable to:
• Pemilik Entitas Induk 235.555 203.813 189.844 31.742 15,57
Owner of Parent Entity
• Kepentingan Non-Pengendali - - - - -
Non-Controlling Interests
Laba per Saham Dasar dan Dilutif (Nilai Penuh)
4,12 5,16 5,76 (1,04) (20,16)
Earning (Loss) per Share (Full Amount)
Ikhtisar Laporan Posisi Keuangan
Statement of Financial Performance Highlights
(dalam jutaan Rupiah, kecuali dinyatakan lain) (in million IDR, unless stated otherwise)
Perubahan (2025-2024)
Uraian Changes (2025-2024)
2025 2024 2023
Description
Nominal (Rp) %
Jumlah Aset
23.406.738 20.061.619 19.377.403 3.345.119 16,67
Total Assets
Aset Produktif 22.034.678 18.797.543 18.145.348 3.237.134 17,22
Earning Assets
Kredit yang Diberikan 14.470.366 11.707.744 9.390.539 2.762.622 23,60
Loans
Simpanan dari Nasabah 11.915.829 9.408.319 8.894.391 2.507.510 26,65
Deposits from Customers
14 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 15
Ikhtisar Utama • Key Highlights
(dalam jutaan Rupiah, kecuali dinyatakan lain) (in million IDR, unless stated otherwise)
Perubahan (2025-2024)
Uraian Changes (2025-2024)
2025 2024 2023
Description
Nominal (Rp) %
Pinjaman yang Diterima 5.169.250 4.748.025 4.280.366 421.225 8,87
Borrowings
Jumlah Liabilitas
17.591.671 14.482.107 14.008.724 3.109.564 21,47
Total Liabilities
Jumlah Ekuitas
5.815.067 5.579.512 5.368.679 235.555 4,22
Total Equity
Rasio-Rasio Keuangan Penting
Key Financial Ratios
(dalam %) (in %)
Uraian
2025 2024 2023
Description
Permodalan
Capital
Kewajiban Penyediaan Modal Minimum (KPMM) dengan
Memperhitungkan Risiko Kredit 33,69 38,57 46,86
CAR by Calculating Credit Risk
KPMM dengan Memperhitungkan Risiko Kredit, Operasional, dan Pasar 34,86 39,74 48,04
CAR by Calculating Credit, Operational, and Market Risk
Aset Tetap Terhadap Modal 6,65 6,94 7,28
Fixed Assets to Equity
Rentabilitas
Profitability
Rasio Pengembalian Aset 1,15 1,40 0,92
Return on Assets
Rasio Pengembalian Ekuitas 3,52 3,99 4,24
Return on Equity
Margin Bunga Bersih 2,85 3,09 2,41
Net Interest Margin
Laba Terhadap Pendapatan 34,66 37,14 37,62
Profit to Revenue
Biaya Operasional Terhadap Pendapatan 81,28 82,48 90,03
Operational Cost to Revenue
Cost to Income Ratio 59,32 62,27 80,18
Kualitas Aset atau Aktiva Produktif Bermasalah
Quality of Non-Performing Earning Assets
Aset produktif bermasalah dan aset Non-Produktif Bermasalah
Terhadap Total Aset Produktif dan Aset Non-Produktif 1,20 1,35 0,82
Non Performing Earning Assets and Non Performing Non-Earning
Assets on Total Productive Assets and Non-Earning Assets
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 15
Page 16
Ikhtisar Utama • Key Highlights
(dalam %) (in %)
Uraian
2025 2024 2023
Description
Aset Produktif Bermasalah terhadap Total Aset Produktif 1,12 1,22 1,06
Non Performing Earning Assets on Total Earning Assets
CKPN Produktif Terhadap Aset Produktif 1,08 1,11 1,15
Allowance for Impairment Losses on Earning Assets
Pemenuhan CKPN Produktif 100 100 100
Fulfillment of Allowance for Impairment Losses on Earning Assets
Pemenuhan CKPN Non-Produktif
Fulfillment of Allowance for Impairment Losses on Non-Earning 100 100 100
Assets
Rasio Kredit Bermasalah - Bruto 1,92 1,96 1,48
Non-Performing Loans Ratio - Gross
Rasio Kredit Bermasalah - Neto 1,30 1,31 0,95
Non-Performing Loans Ratio - Net
Likuiditas
Liquidity
Rasio Kredit Terhadap Dana Pihak Ketiga 121,44 124,44 105,58
Loan to Deposit Ratio
Liabilitas Terhadap Ekuitas 302,52 259,56 260,93
Liability to Equity Ratio
Liabilitas Terhadap Aset 75,16 72,19 72,29
Liability to Assets Ratio
Persentase Pelanggaran BMPK
Percentage of LLL Violation
• Pihak Terkait - - -
Related Parties
• Pihak Tidak Terkait - - -
Non-Related Parties
Persentase Pelampauan BMPK
Percentage of LLL Excess
• Pihak Terkait - - -
Related Parties
• Pihak Tidak Terkait - - -
Non-Related Parties
GMW Utama Rupiah 9,05 9,15 9,12
Rupiah Minimum Reserve Requirement
GWM Valuta Asing 4,21 4,35 4,64
Foreign Exchange Minimum Reserve Requirement
Posisi Devisa Neto (PDN) 1,13 0,29 0,32
Net Open Position
16 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 17
Ikhtisar Utama • Key Highlights
Jumlah Aset Jumlah Liabilitas Jumlah Ekuitas
Total Assets Total Liabilities Total Equity
dalam jutaan Rupiah | in million IDR dalam jutaan Rupiah | in million IDR dalam jutaan Rupiah | in million IDR
20.061.619
23.406.738
14.008.724
14.482.107
19.377.403
17.591.671
5.815.067
5.368.679
5.579.512
2025 2024 2023 2025 2024 2023 2025 2024 2023
Pendapatan Bunga Bersih Simpanan dari Nasabah Kredit yang Diberikan
Net Interest Income Deposits from Customer Loans
dalam jutaan Rupiah | in million IDR dalam jutaan Rupiah | in million IDR dalam jutaan Rupiah | in million IDR
11.915.829
14.470.366
11.707.744
8.894.391
9.390.539
9.408.319
569.613
581.239
487.281
2025 2024 2023 2025 2024 2023 2025 2024 2023
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 17
Page 18
Ikhtisar Utama • Key Highlights
Ikhtisar Saham
Share Highlights
Volume Kapitalisasi
Harga Harga Harga Total Saham yang
Perdagangan Pasar (dalam
Terendah Tertinggi Penutupan Beredar
Kuartal (Ribuan Saham) miliar Rp)
(Rp) (Rp) (Rp) (Lembar Saham)
Quarter Trading Volume Market
Lowest Highest Closing Total Outstanding Share
(Thousands of Capitalization
Price (IDR) Price (IDR) Price (IDR) (Shares)
Shares) (in billion IDR)
2025
Kuartal I
74 63 65 852.810 3.095 47.864.384.874
Quarter I
Kuartal II
70 60 66 50.584 3.111 47.864.384.874
Quarter II
Kuartal III
82 65 74 777.737 3.505 47.864.384.874
Quarter III
Kuartal IV
89 69 77 582.495 3.632 47.864.384.874
Quarter IV
2024
Kuartal I
79 54 55 189.536 2.055 37.783.204.065
Quarter I
Kuartal II
51 58 54 18.587 2.018 37.783.204.065
Quarter II
Kuartal III
71 82 72 75.510 3.410 47.864.384.874
Quarter III
Kuartal IV
72 81 72 82.278 3.410 47.864.384.874
Quarter IV
Volume Perdagangan (Ribuan Saham)
Trading Volume (Thousands of Shares) 100,00
Harga Penutupan (Rp)
Closing Price (IDR)
90,00
80,00
70,00
60,00
50,00
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 2025
18 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 19
Ikhtisar Utama • Key Highlights Ikhtisar Obligasi Bonds Highlights Selama tahun 2025, Bank tidak melakukan penerbitan During 2025, the Bank did not issue Bonds, Sukuk, Obligasi, Sukuk, maupun Obligasi Konversi, baik di or Convertible Bonds, either on the Indonesia Stock Bursa Efek Indonesia (“BEI”) maupun di bursa efek Exchange (“IDX”) or on foreign stock exchanges. luar negeri. Aksi Korporasi terkait Saham Corporate Actions Related to Shares Sepanjang tahun 2025, Bank tidak melakukan aksi Throughout 2025, the Bank did not undertake any korporasi yang berdampak pada perubahan struktur corporate actions that would impact the share structure, saham, termasuk namun tidak terbatas pada stock split, including but not limited to stock split, reverse stock, reverse stock, dividen saham, saham bonus, perubahan stock dividend, bonus share, changes in the nominal value nilai nominal saham, penerbitan efek konversi, serta of share, issuance of convertible securities, nor capital penambahan maupun pengurangan modal. increase or decrease. Penghentian Sementara Perdagangan Saham/Penghapusan Pencatatan Saham Temporary Suspension of Share Trading/Delisting of Shares Sepanjang tahun 2025, perdagangan saham Bank Throughout 2025, trading in the Bank’s shares under dengan kode “AGRS” tidak mengalami penghentian the code “AGRS” was not temporarily suspended or sementara maupun penghapusan pencatatan di BEI. Hal delisted from the IDX. This reflects the Bank’s compliance ini mencerminkan kepatuhan Bank terhadap ketentuan with OJK regulations, capital market regulations, and the OJK, peraturan pasar modal, dan penerapan prinsip implementation of good corporate governance (GCG) tata kelola perusahaan yang baik (Good Corporate principles to ensure transparency and regular stock Governance/”GCG”) dalam memastikan transparansi dan trading. keteraturan perdagangan saham. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 19
Page 20
Ikhtisar Utama • Key Highlights
Peristiwa Penting
Event Highlights
16 Februari 2025 | February 16, 2025
Kiddies Day Out: Pengenalan Tabungan
Anak IBKidz Smart
Kiddies Day Out: Introducing IBKidz Smart Children's Savings
Bank IBK Indonesia menjadi bagian dari acara Kiddies Day Out yang dilaksanakan di
Lippo Mall Kemang. Pada kesempatan ini, Bank berinteraksi langsung dengan para
pengunjung untuk memperkenalkan produk tabungan anak IBKidz Smart. Selain
memperkenalkan produk keuangan kepada segmen keluarga dan anak-anak, Bank
juga menciptakan pengalaman edukatif yang menarik bagi peserta melalui berbagai
aktivitas interaktif selama acara.
Bank IBK Indonesia participated in the Kiddies Day Out event held at Lippo Mall
Kemang. During this event, the bank interacted directly with visitors to introduce the
IBKidz Smart children's savings product. In addition to introducing financial products
to families and children, the bank also created an engaging educational experience
for participants through various interactive activities throughout the event.
25 Februari 2025 | February 25, 2025
Edukasi Literasi Keuangan Bersama
Karyawan PT KPSS
Financial Literacy Education with PT KPSS Employees
Bank IBK Indonesia menyelenggarakan kegiatan Edukasi Literasi Keuangan bertema
“Pengelolaan Keuangan” bersama ratusan karyawan pabrik PT Karawang Prima
Sejahtera Steel (KPSS). Kegiatan ini bertujuan meningkatkan pemahaman peserta
mengenai pengelolaan keuangan yang sehat dan terencana, dalam mendukung
kesejahteraan individu dan keluarga.
Bank IBK Indonesia held a Financial Literacy Education activity with the theme “Financial
Management” with hundreds of employees from the PT Karawang Prima Sejahtera
Steel (KPSS) factory. This activity aimed to increase participants’ understanding of
healthy and planned financial management to support individual and family well-being.
7 Maret 2025 | March 7, 2025
Peluncuran Program “Lorong Mekar”
untuk Ketahanan Pangan
Launch of the “Lorong Mekar” Program for Food Security
Bank IBK Indonesia bersama PT Permodalan Nasional Madani (PNM) meluncurkan
Program “Lorong Mekar” sebagai bagian dari kegiatan Corporate Social
Responsibility (CSR) dalam mendukung ketahanan pangan berbasis urban
farming. Program ini dilaksanakan di Cikoko, Jakarta Selatan, dan ditujukan untuk
memberdayakan masyarakat melalui pemanfaatan lahan terbatas secara produktif
dan berkelanjutan.
Bank IBK Indonesia, in collaboration with PT Permodalan Nasional Madani (PNM),
launched the “Lorong Mekar” Program as part of its Corporate Social Responsibility
(CSR) activities to support urban farming-based food security. The program,
implemented in Cikoko, South Jakarta, aims to empower communities through the
productive and sustainable use of limited land.
20 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 21
Ikhtisar Utama • Key Highlights
14 Maret 2025 | March 14, 2025
Bantuan Kemanusiaan bagi
Warga Terdampak Banjir di Bekasi
Humanitarian Aid for Flood-Affected Residents in Bekasi
Sebagai wujud kepedulian sosial, Bank IBK Indonesia menyalurkan bantuan
paket sembako kepada warga terdampak banjir di Kelurahan Duren Jaya, Kota
Bekasi. Bantuan ini merupakan bagian dari program CSR Bank untuk membantu
meringankan beban masyarakat yang terdampak bencana alam serta memperkuat
solidaritas sosial di tengah kondisi darurat.
As a form of social responsibility, Bank IBK Indonesia distributed basic food packages
to flood-affected residents in Duren Jaya Village, Bekasi City. This assistance is part
of the bank’s CSR program to help ease the burden on communities affected by
natural disasters and strengthen social solidarity during emergencies.
17 Juni 2025 | June 17, 2025
Edukasi Literasi Keuangan bagi Pelajar
SMPN 129 Jakarta
Financial Literacy Education for Students of SMPN 129 Jakarta
Bank IBK Indonesia menggelar kegiatan Edukasi Literasi Keuangan bersama siswa
dan siswi SMP Negeri 129 Jakarta. Kegiatan ini berfokuskan pada pengenalan
produk dan jasa perbankan serta pembentukan pemahaman dasar mengenai
pengelolaan keuangan sejak usia dini, sebagai upaya membangun generasi muda
yang cerdas dan bertanggung jawab secara finansial.
Bank IBK Indonesia held a Financial Literacy Education activity with students of
SMP Negeri 129 Jakarta. This activity focused on introducing banking products and
services and developing a basic understanding of financial management from an early
age, as an effort to develop a financially savvy and responsible young generation.
20 Juni 2025 | June 20, 2025
RUPS Tahunan dan RUPS Luar Biasa
Tahun 2025
Annual General Meeting of Shareholders (AGMS) and Extraordinary
General Meeting of Shareholders (EGMS) in 2025
Bank menyelenggarakan Rapat Umum Pemegang Saham Tahunan (RUPST) dan
Pemegang Saham Luar Biasa (RUPSLB) yang dilanjutkan dengan kegiatan Public
Expose & Investor Relations. Melalui kegiatan tersebut, Manajemen menyampaikan
informasi strategis dan kebijakan bisnis, sekaligus menegaskan komitmen Bank
dalam memperkuat peran serta kontribusinya terhadap pengembangan industri
perbankan nasional.
The Bank held an Annual General Meeting of Shareholders (AGMS) and an
Extraordinary General Meeting of Shareholders (EGMS), followed by a Public
Expose and Investor Relations event. Through these events, Management
conveyed strategic information and business policies, while also affirming the
Bank’s commitment to strengthening its role and contribution to the development
of the national banking industry.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 21
Page 22
Ikhtisar Utama • Key Highlights
22 Juni 2025 | June 22, 2025
Aksi Peduli Lingkungan di Kawasan
Mangrove Denpasar
Environmental Awareness Action in the Denpasar Mangrove Area
Dalam rangka program Corporate Social Responsibility (CSR), Bank IBK Indonesia
melaksanakan aksi peduli lingkungan di Kawasan Ekowisata Mangrove Batu
Lumbang, Pemogan, Kota Denpasar. Kegiatan ini mencerminkan komitmen Bank
dalam mendukung pelestarian lingkungan dan meningkatkan kesadaran masyarakat
akan pentingnya menjaga ekosistem pesisir secara berkelanjutan.
As part of its Corporate Social Responsibility (CSR) program, Bank IBK Indonesia
carried out an environmental awareness campaign in the Batu Lumbang Mangrove
Ecotourism Area, Pemogan, Denpasar City. This activity reflects the Bank’s
commitment to supporting environmental conservation and raising public awareness
of the importance of sustainable coastal ecosystem management.
18 Juli 2025 | July 18, 2025
Inklusi Keuangan bagi Taruna Akademi
Maritim Nasional Jakarta Raya
Financial Inclusion for Cadets at the Jakarta Raya National
Maritime Academy
Bank IBK Indonesia kembali melaksanakan kegiatan Inklusi Keuangan bagi seluruh
taruna dan taruni tingkat pertama Akademi Maritim Nasional Jakarta Raya (Aman
Jaya) dengan tema “Persiapan Masa Depan Finansial Sejak Dini.” Program ini
bertujuan membekali generasi muda maritim dengan pemahaman keuangan yang
kuat sebagai fondasi perencanaan masa depan.
Bank IBK Indonesia once again held a Financial Inclusion program for all first-year
cadets at the Jakarta Raya National Maritime Academy (Aman Jaya) with the theme
“Preparing for a Financial Future from an Early Age.” This program aims to equip the
younger generation of maritime students with a strong financial understanding as a
foundation for future planning.
1 Agustus 2025-3 September 2025 |
August 1 – September 3, 2025 IBKlympics: Memperkuat Kekompakan dan
Semangat Tim Karyawan Bank
IBKlympics: Strengthening Solidarity and Team Spirit Among
Bank Employees
Bank menyelenggarakan IBKlympics sebagai kegiatan kebersamaan melalui berbagai
macam perlombaan yang dirancang untuk memperkuat employee engagement dan
semangat kolaboratif antara karyawan serta manajemen. Kegiatan ini mencerminkan
komitmen Bank dalam pengembangan sumber daya manusia yang berdaya dan
terlibat secara aktif.
The Bank organized the IBKlympics as a collaborative activity through various
competitions designed to strengthen employee engagement and a collaborative spirit
between employees and management. This activity reflects the Bank’s commitment
to developing empowered and actively engaged human resources.
22 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 23
Ikhtisar Utama • Key Highlights
22 Agustus 2025 | August 22, 2025
Customer Gathering Bank dan Lembaga
Perkreditan Desa (LPD) Bali
Customer Gathering Between Bank and Village Credit
Institution (LPD) Bali
Bank IBK Indonesia menyelenggarakan acara Customer Gathering dengan
Lembaga Perkreditan Desa (LPD) Bali sebagai bentuk apresiasi dan pertemuan
strategis dengan nasabah utama di wilayah tersebut. Kegiatan Customer Gathering
yang dihadiri oleh sekitar 42 peserta ini mencerminkan komitmen dalam memperkuat
kepercayaan nasabah dan peran Bank sebagai mitra keuangan yang responsif
terhadap kebutuhan lembaga keuangan komunitas lokal.
Bank IBK Indonesia held a Customer Gathering with the Village Credit Institution
(LPD) of Bali as a token of appreciation and a strategic meeting with key customers
in the region. The Customer Gathering, attended by approximately 42 participants,
reflected the Bank’s commitment to strengthening customer trust and its role as a
responsive financial partner to the needs of local community financial institutions.
23 Agustus 2025 | August 23, 2025
Inklusi Keuangan di Universitas Udayana Bali
Financial Inclusion at Udayana University, Bali
Bank IBK Indonesia menyelenggarakan kegiatan Inklusi Keuangan di Koperasi
Konsumen Karya Prima Nusantara, Universitas Udayana, Bali, dengan tema “Strategi
Pengelolaan Keuangan yang Sehat untuk Keluarga dan Organisasi.” Kegiatan ini
bertujuan meningkatkan literasi dan kapasitas pengelolaan keuangan bagi civitas
akademika dan komunitas koperasi.
Bank IBK Indonesia held a Financial Inclusion event at the Karya Prima Nusantara
Consumer Cooperative, Udayana University, Bali, with the theme “Healthy Financial
Management Strategies for Families and Organizations.” This event aimed to improve
financial literacy and management capacity among the academic community and the
cooperative community.
5 September 2025 | September 5, 2025
“Grow Together”: Perjalanan dan Pertumbuhan
Bank IBK Indonesia
“Grow Together”: The Journey and Growth of Bank IBK Indonesia
Pada perayaan hari jadi ke‑6, Bank mengusung tema “Grow Together” yang
mencerminkan semangat untuk terus bertumbuh bersama nasabah, pemangku
kepentingan, dan seluruh insan Bank. Keterlibatan aktif seluruh karyawan dan
pengembangan strategi sumber daya manusia yang matang menjadi fondasi penting
bagi Bank dalam mewujudkan pertumbuhan bersama secara menyeluruh dan
berkelanjutan.
For its 6th anniversary celebration, the Bank adopted the theme “Grow Together,”
reflecting its commitment to continuous growth alongside customers, stakeholders,
and all Bank personnel. The active involvement of all employees and the development
of a robust human resource strategy are essential foundations for the Bank to achieve
comprehensive and sustainable shared growth.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 23
Page 24
Ikhtisar Utama • Key Highlights
16 September 2025 | September 16, 2025
Edukasi Literasi Keuangan bagi Penyandang
Disabilitas di Surabaya
Financial Literacy Education for People with Disabilities in Surabaya
Bank IBK Indonesia mengadakan kegiatan Edukasi Literasi Keuangan bagi
penyandang disabilitas di Kota Surabaya dengan tema “Kemandirian Finansial.”
Program ini merupakan bagian dari komitmen Bank dalam mendorong inklusi
keuangan yang setara dan akses edukasi keuangan bagi seluruh lapisan masyarakat.
Bank IBK Indonesia held a Financial Literacy Education event for people with
disabilities in Surabaya with the theme “Financial Independence.” This program is
part of the Bank’s commitment to promoting equal financial inclusion and access to
financial education for all levels of society.
20 September 2025 | September 20, 2025
Aksi Sosial dan Kesehatan di Bandar Lampung
Social and Health Action in Bandar Lampung
Sebagai wujud nyata kepedulian sosial terhadap kesehatan dan kesejahteraan
masyarakat, Bank IBK Indonesia bekerja sama dengan Paguyuban Sosial Marga
Tionghoa (PSMTI) dan Palang Merah Indonesia (PMI) melaksanakan kegiatan donor
darah, layanan kesehatan gratis, serta pembagian paket sembako di Kota Bandar
Lampung.
As a concrete manifestation of its social concern for the health and well-being of the
community, Bank IBK Indonesia, in collaboration with the Chinese-Indonesian Social
Association (PSMTI) and the Indonesian Red Cross (PMI), held a blood drive, free
healthcare services, and distributed basic food packages in Bandar Lampung.
3 Oktober 2025 | October 3, 2025
Inklusi Keuangan pada Dies Natalis ke-65
STIMar “AMI”
Financial Inclusion at the 65th Anniversary of STIMar “AMI”
Bank IBK Indonesia menyelenggarakan kegiatan Inklusi Keuangan dalam acara Dies
Natalis ke-65 Sekolah Tinggi Ilmu Maritim (STIMar “AMI”) yang dihadiri lebih dari
200 peserta. Kegiatan ini merupakan dukungan Bank dalam memberikan edukasi
finansial bagi generasi pelaut handal.
Bank IBK Indonesia held a Financial Inclusion event at the 65th Anniversary of the
Maritime Science College (STIMar “AMI”), attended by more than 200 participants.
This event demonstrated the Bank’s support in providing financial education to a
generation of skilled sailors.
24 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 25
Ikhtisar Utama • Key Highlights
27 November 2025 | November 27, 2025
Edukasi Literasi Keuangan bagi Pelajar
Sekolah Rakyat Ancol
Financial Literacy Education for Ancol Public School Students
Bank IBK Indonesia memberikan Edukasi Literasi Keuangan kepada pelajar tingkat
SMP Sekolah Rakyat Ancol, Pademangan, Jakarta Utara. Kegiatan ini bertujuan
meningkatkan pemahaman pelajar dalam pengelolaan keuangan untuk mewujudkan
impian di masa depan.
Bank IBK Indonesia provided Financial Literacy Education to junior high school
students at Ancol Elementary School, Pademangan, North Jakarta. This activity
aimed to improve students’ understanding of financial management to help them
realize their future dreams.
11 November 2025 | November 11, 2025
Pelatihan dan Bantuan Peralatan Budi Daya
Pertanian Sorgum
Training and Assistance with Sorghum Cultivation Equipment
Bank IBK Indonesia bersama PT Permodalan Nasional Madani (PNM) dan PT
Jasa Raharja melaksanakan kegiatan CSR berupa pelatihan serta pemberian
bantuan peralatan mesin budi daya pertanian sorgum. Program ini diharapkan
dapat mendorong kemandirian ekonomi masyarakat melalui pengembangan sektor
pertanian yang produktif dan berkelanjutan.
Bank IBK Indonesia, together with PT Permodalan Nasional Madani (PNM) and PT
Jasa Raharja, conducted CSR activities in the form of training and assistance with
sorghum cultivation equipment. This program is expected to encourage community
economic independence through the development of a productive and sustainable
agricultural sector.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 25
Page 26
Ikhtisar Utama • Key Highlights
Penghargaan dan Sertifikasi
Awards and Certification
Penghargaan
Awards
The Excellent
Performance Bank –
Indonesia Best KBMI 1 (Asset Class
Top Bank Awards 2025 Workplace category IDR 10 to under 25
in KBMI 1 Category Conventional Bank Trilion)
Ajang Acara | Event Ajang Acara | Event Ajang Acara | Event
6th Indonesia Top Bank Awards 2025 Indonesia Best Workplace Awards 2025 30th Infobank Award 2025
Tanggal Penganugerahan | Date Tanggal Penganugerahan | Date Tanggal Penganugerahan | Date
27 Mei 2025 30 Juli 2025 29 Agustus 2025
May 27, 2025 July 30, 2025 August 29, 2025
Penyelenggara | Organizer Penyelenggara | Organizer Penyelenggara | Organizer
The Iconomics Warta Ekonomi Infobank Media Group
Top Human Capital
Awards 2025 Star 4
Ajang Acara | Event
Top Human Capital Awards 2025
Tanggal Penganugerahan | Date
4 November 2025
November 4, 2025
Penyelenggara | Organizer
Majalah Top Business
Top Business Magazine
26 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 27
Ikhtisar Utama • Key Highlights
Sertifikasi
Certification
ISO 27001:2022
The Most Promising
Information Security
Bank 2025
Management System
(Bank Assets category
for Provision of
within IDR10 Trillion
Development and
less than IDR25
Operational of
Trillion)
E-Banking/Internet
Banking and Mobile
Ajang Acara | Event
Banking
Top 20 Financial Institutions
Tanggal Penganugerahan | Date
Institusi Pemberi | Certification Institution
28 Oktober 2025
PT TUV SUD Indonesia
October 28, 2025
Masa Berlaku | Valid Period
Penyelenggara | Organizer
17 Januari 2024-16 Januari 2027
The Finance January 17, 2024-January 16, 2027
(Infobank Media Group)
Sertifikat Pemeringkat
idAAA/Stable
idAAA Rating Certificate/
Stable
Institusi Pemberi | Certification Institution
PT Pemeringkat Efek Indonesia (Pefindo)
Masa Berlaku | Valid Period
6 November 2025- 1 November 2026
November 6, 2025-November 1, 2026
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 27
Page 28
Laporan Manajemen Management Reports
Page 29
’’
Bank telah
menetapkan sejumlah
strategi prioritas untuk
mempertahankan kinerja
yang resilien di tengah
persaingan industri yang
semakin ketat
The Bank has established a number
of priority strategies to maintain
resilient performance amid
increasingly intense industry
competition
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Laporan Manajemen • Management Reports Laporan Direksi Board of Directors’ Report Oh In Taek Direktur Utama President Director 30 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Manajemen • Management Reports
Sepanjang tahun 2025, Bank mencatat kinerja yang solid
dengan pertumbuhan kredit sebesar 23,60% (yoy) dan Dana
Pihak Ketiga sebesar 26,65% (yoy), disertai peningkatan jumlah
nasabah sebesar 21% dan kenaikan pengguna layanan digital
sebesar 26,4%. Pencapaian ini mencerminkan efektivitas
strategi yang dijalankan melalui penguatan portofolio
pembiayaan dan akselerasi transformasi digital, yang menjadi
fondasi bagi keberlanjutan pertumbuhan usaha Bank ke depan.
Throughout 2025, the Bank recorded solid performance with loan growth of
23.60% (yoy) and Third Party Funds growth of 26.65% (yoy), accompanied by a
21% increase in the number of customers and a 26.4% rise in digital service users.
These achievements reflect the effectiveness of the strategies implemented through
strengthening the financing portfolio and accelerating digital transformation, which
serve as the foundation for the Bank’s sustainable business growth going forward.
Para Pemegang Saham dan Pemangku Kepentingan yang terhormat,
Dear Honorable Shareholders and Stakeholders,
Puji syukur kami panjatkan kepada Tuhan Yang Maha We express our gratitude to God Almighty for His
Esa atas rahmat dan penyertaan-Nya sehingga grace and blessings, which have enabled PT Bank
PT Bank IBK Indonesia (“Bank”) dapat menutup IBK Indonesia (the “Bank”) to close 2025 with solid
tahun 2025 dengan kinerja yang baik di tengah performance amid a challenging banking landscape.
lanskap perbankan yang penuh tantangan. Sepanjang Throughout the reporting period, the Bank continued
periode pelaporan, Bank tetap mampu menjalankan to effectively perform its intermediation function
fungsi intermediasi secara optimal melalui penerapan through the implementation of well-calibrated
strategi yang tepat dan terukur, serta komitmen strategies and a strong commitment to good
penerapan tata kelola yang baik di seluruh organisasi. corporate governance across the organization. In
Selanjutnya, untuk memberikan gambaran yang this regard, we are pleased to present the Board of
komprehensif mengenai perkembangan kinerja Directors’ Report for the fiscal year ended December
dan pelaksanaan strategi Bank, izinkanlah kami 31, 2025, which provides a comprehensive overview
menyampaikan Laporan Direksi untuk tahun buku of the Bank’s performance and strategic direction.
yang berakhir pada 31 Desember 2025.
Dinamika Ekonomi Global dan Global Economic Dynamics and
Perkembangan Kebijakan Moneter, Monetary Policy Developments, and
serta Implikasinya bagi Industri Their Implications for the National
Perbankan Nasional Banking Industry
Pada tahun 2025, perekonomian global mulai In 2025, the global economy entered a phase of
bergerak menuju fase normalisasi setelah periode gradual normalization following a period of monetary
pengetatan kebijakan moneter dalam beberapa tightening in previous years. Easing inflationary
tahun sebelumnya. Meredanya tekanan inflasi, pressures, particularly in the United States,
termasuk di Amerika Serikat (AS), mendorong prompted the Federal Reserve to gradually reduce its
The Fed untuk secara bertahap menurunkan suku benchmark interest rate, bringing the Federal Funds
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 31
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Laporan Manajemen • Management Reports bunga acuannya sehingga Federal Funds Rate (FFR) Rate (FFR) to a range of 3.50%–3.75% by year-end. This berada pada kisaran 3,50%-3,75% pada akhir tahun. shift supported global liquidity and increased investor Kebijakan tersebut mendorong perbaikan likuiditas global appetite for riskier assets, particularly in emerging markets, dan meningkatnya minat investor terhadap aset berisiko, as reflected in the recovery of capital inflows and relatively khususnya di emerging markets sebagaimana tercermin stable exchange rates, including in Indonesia. At the same dari mulai pulihnya arus modal masuk serta terjaganya time, reduced financial market volatility contributed to the stabilitas nilai tukar, termasuk di Indonesia. Sejalan dengan continued smooth functioning of banking intermediation. itu, penurunan volatilitas pasar keuangan turut mendukung kelancaran fungsi intermediasi perbankan. Di tengah dinamika global, Bank Indonesia berupaya Amid these global dynamics, Bank Indonesia maintained menjaga keseimbangan antara stabilitas makroekonomi a careful balance between macroeconomic stability and dan dukungan terhadap pertumbuhan melalui bauran growth support through a measured and accommodative kebijakan moneter dan makroprudensial yang akomodatif mix of monetary and macroprudential policies. Inflation dan terukur, tercermin dari inflasi yang tetap dalam remained within the target range, and the exchange rate was kisaran target serta nilai tukar yang relatif stabil sehingga relatively stable, allowing for a gradual easing of domestic memungkinkan penurunan suku bunga domestik secara interest rates. In line with these developments, the national bertahap. Sejalan dengan itu, sektor perbankan nasional banking sector continued to perform its intermediation tetap menjalankan fungsi intermediasi secara efektif, function effectively, as reflected in credit growth of 9.6% ditunjukkan oleh pertumbuhan kredit sebesar 9,6% (yoy) (YoY) to IDR 8,585 trillion and growth in Third Party Funds menjadi Rp8.585 triliun dan Dana Pihak Ketiga (DPK) (DPK) of 12.0% (YoY) to IDR 9,899 trillion by the end yang tumbuh 12,0% (yoy) menjadi Rp9.899 triliun of 2025. The stronger growth in DPK relative to credit pada akhir 2025. Pertumbuhan DPK yang melampaui indicates adequate liquidity, supporting a stable funding kredit mencerminkan likuiditas yang memadai, sehingga structure and sustainable financing expansion. mendukung stabilitas struktur pendanaan serta ekspansi pembiayaan yang berkelanjutan. Sementara dari sisi kualitas aset industri, rasio Non- In terms of asset quality, the banking industry maintained Performing Loan (NPL) gross perbankan juga tetap terjaga a solid position. The gross Non-Performing Loan (NPL) dengan baik sebesar 2,05% pada akhir tahun 2025, atau ratio stood at 2.05% at the end of 2025, remaining within masih dalam tingkat yang terkendali, sedangkan NPL net a manageable range, while net NPL was recorded at berada di level 0,79% dan Loan at Risk (LaR) juga relatif 0.79%. Loans at Risk (LaR) also remained relatively stable stabil sebesar 8,77%. Kondisi tersebut mencerminkan at 8.77%. These indicators reflect the industry’s continued konsistensi industri perbankan dalam menerapkan prinsip commitment to prudential principles and strengthened risk kehati-hatian serta memperkuat praktik manajemen risiko management practices in credit distribution. dalam proses penyaluran kredit. Di tengah persaingan industri yang semakin ketat dan Amid intensifying competition in the banking industry and didukung oleh fundamental ekonomi domestik yang supported by solid domestic economic fundamentals, tetap solid, Direksi melihat Bank IBK Indonesia memiliki the Board of Directors sees strong growth opportunities peluang pertumbuhan untuk memperluas skala usaha for Bank IBK Indonesia to expand its business scale and dan memperkuat basis nasabah, seiring dengan tren strengthen its customer base. This outlook is in line with peningkatan pangsa pasar dalam beberapa tahun terakhir the Bank’s improving market share in terms of assets, baik dari sisi aset, penyaluran kredit, maupun DPK. credit distribution, and third-party funds in recent years. Dengan menerapkan strategi bisnis yang tepat serta By implementing appropriate business strategies and 32 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Manajemen • Management Reports
optimalisasi sinergi dengan Industrial Bank of Korea melalui optimizing synergies with Industrial Bank of Korea—
pemanfaatan jaringan internasional dan kapabilitas bisnis, particularly through leveraging its international network and
Direksi meyakini Bank IBK Indonesia berada pada jalur capabilities—the Board of Directors believes that Bank IBK
pengembangan bisnis yang positif untuk terus memperkuat Indonesia is well positioned to sustain its growth trajectory
posisinya secara berkelanjutan. and further strengthen its market position.
Peran Strategis Direksi dalam Proses The Strategic Role of the Board of Directors
Penyusunan dan Implementasi Strategi in the Formulation and Implementation of
Bisnis Bank the Bank’s Business Strategy
Direksi memastikan arah pengembangan bisnis Bank The Board of Directors ensures that the Bank’s business
berjalan secara terencana, terukur, dan berkelanjutan melalui development is planned, measurable, and sustainable
penyusunan Rencana Bisnis Bank (RBB) Tahun 2025. through the preparation of the 2025 Bank Business Plan
Dalam proses tersebut, Direksi menetapkan kebijakan (RBB). In this process, the Board of Directors collectively
strategis, prioritas, dan target kinerja secara kolegial dengan establishes strategic policies, priorities, and performance
mempertimbangkan kondisi eksternal dan faktor internal targets, taking into account both external conditions and
agar dapat menghasilkan strategi yang realistis, terukur, internal factors to formulate strategies that are realistic,
serta selaras dengan visi, misi, dan kapasitas bisnis Bank measurable, and aligned with the Bank’s vision, mission,
dalam jangka menengah dan panjang. and business capacity over the medium and long term.
Selama tahap perumusan berlangsung, Direksi melibatkan During the formulation stage, the Board of Directors
Dewan Komisaris dalam penyusunan RBB melalui involves the Board of Commissioners through discussion
forum diskusi dan penyampaian rencana strategis forums and the submission of the RBB for review, with
untuk memperoleh nasihat serta rekomendasi yang the aim of obtaining advice and recommendations that
memperkaya perspektif serta memastikan strategi telah enrich strategic perspectives and ensure alignment with
mempertimbangkan prinsip kehati-hatian dan kapasitas prudential principles and the Bank’s capacity. Following
Bank secara menyeluruh. Setelah memperoleh persetujuan, approval, the Board of Directors communicates the 2025
Direksi mensosialisasikan RBB Tahun 2025 kepada seluruh RBB to all work units to ensure a shared understanding of
unit kerja guna memastikan keselarasan pemahaman the Bank’s strategic direction, priorities, and performance
atas arah strategi, prioritas, dan target kinerja, sehingga targets, thereby supporting coordinated and effective
implementasinya dapat berjalan terkoordinasi dan efektif implementation.
dalam mendukung pencapaian tujuan strategis Bank.
Dalam tahap pelaksanaan, Direksi memastikan strategi During the implementation phase, the Board of Directors
dan inisiatif dalam RBB dijalankan secara efektif dan ensures that the strategies and initiatives outlined in the
sesuai prinsip kehati-hatian melalui pemantauan dan RBB are executed effectively and in accordance with
evaluasi kinerja secara berkala atas realisasi dibandingkan prudential principles. This is achieved through regular
target yang didukung oleh fungsi perencanaan strategis, monitoring and evaluation of performance against
kredit, dan keuangan. Sejalan dengan itu, Direksi bersama established targets, supported by the strategic planning,
Dewan Komisaris juga melakukan pengawasan aktif atas credit, and finance functions. In parallel, the Board of
penerapan manajemen risiko, termasuk risiko kepatuhan, Directors, together with the Board of Commissioners,
pada seluruh kegiatan usaha Bank, mencakup perkreditan, actively oversees the implementation of risk management,
treasury, operasional, SDM, penghimpunan dana, serta including compliance risk, across all business activities—
Teknologi Informasi (TI), guna memastikan seluruh aktivitas covering credit, treasury, operations, human resources,
berjalan sesuai ketentuan yang berlaku. funding, and information technology (IT)—to ensure full
compliance with applicable regulations.
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Keterlibatan aktif Direksi dalam mengawal implementasi The Board of Directors’ active involvement in overseeing
strategi tercermin melalui pengambilan keputusan strategy implementation is reflected in collegial decision-
secara kolegial serta evaluasi kinerja dan pembahasan making, ongoing performance evaluations, and regular
perkembangan bisnis dalam berbagai forum manajemen discussions of business developments in various
yang diselenggarakan secara berkala, termasuk Rapat management forums, including Board of Directors Meetings,
Direksi, Rapat Bersama Dewan Komisaris, dan rapat Joint Meetings with the Board of Commissioners, and
komite di bawah Direksi. Melalui mekanisme pengawasan committee meetings under the Board of Directors. Through
dan evaluasi yang terstruktur tersebut, Direksi memastikan this structured monitoring and evaluation framework, the
seluruh strategi dan inisiatif bisnis berjalan sesuai rencana, Board of Directors ensures that all business strategies
timeline, dan target dalam RBB, sekaligus memperkuat and initiatives are implemented in accordance with the
disiplin implementasi dan praktik manajemen risiko. Dengan plans, timelines, and targets set out in the RBB, while also
koordinasi yang erat bersama Dewan Komisaris, Bank strengthening execution discipline and risk management
terus memastikan implementasi strategi berjalan efektif practices. Through close coordination with the Board of
guna memperkuat kinerja, meningkatkan daya saing, dan Commissioners, the Bank continues to ensure effective
menciptakan nilai tambah yang berkelanjutan bagi seluruh strategy execution to enhance performance, strengthen
pemangku kepentingan. competitiveness, and create sustainable value for all
stakeholders.
Selain penyusunan Rencana Bisnis Bank (RBB), In addition to overseeing the Bank’s Business Plan (RBB),
Direksi juga memiliki peran strategis dalam merumuskan the Board of Directors also plays a strategic role in shaping
arah keuangan berkelanjutan melalui penyusunan dan the direction of sustainable finance through the development
pengembangan Rencana Aksi Keuangan Berkelanjutan of the Sustainable Finance Action Plan (RAKB). In this
(RAKB). Dalam proses tersebut, Direksi memastikan process, the Board ensures that the Bank’s sustainability
bahwa strategi keberlanjutan Bank dirancang secara strategy is structured, measurable, and aligned with its
terstruktur, terukur, serta selaras dengan rencana bisnis medium- and long-term business plans. The RAKB serves
jangka menengah dan panjang. RAKB menjadi kerangka as the primary framework guiding the Bank’s sustainability
utama yang mengarahkan prioritas, target, dan inisiatif priorities, targets, and initiatives, including the development
keberlanjutan Bank, termasuk pengembangan pembiayaan of green financing, the promotion of responsible business
hijau, peningkatan praktik bisnis yang bertanggung jawab, practices, and the strengthening of environmental and
serta penguatan manajemen risiko lingkungan dan sosial. social risk management.
Prioritas Strategi dan Kebijakan Strategis Bank’s Strategic Priorities and Strategic
Bank Tahun 2025 Policies in 2025
Sepanjang tahun 2025, Bank IBK Indonesia telah Throughout 2025, Bank IBK Indonesia has established
menetapkan sejumlah prioritas strategi dan kebijakan a number of strategic priorities and policies aimed at
strategis yang diarahkan untuk memperkuat daya saing strengthening business competitiveness, improving
usaha, meningkatkan kualitas layanan kepada nasabah, customer service quality, and maintaining healthy and
serta menjaga pertumbuhan bisnis yang sehat dan sustainable business growth. This strategy is implemented
berkelanjutan. Strategi tersebut dilaksanakan melalui through strengthening the financing portfolio, improvements
penguatan portofolio pembiayaan, pengembangan layanan in operational efficiency, such as the expansion and/or
digital, serta peningkatan efisiensi operasional seperti restructuring of the branch network, supported by prudent
pengembangan dan/atau perubahan jaringan kantor yang risk management.
didukung oleh pengelolaan risiko yang prudent.
Dari sisi pengembangan bisnis, Bank terus memperkuat In terms of business development, the Bank continues
portofolio pembiayaan melalui sejumlah program kredit to strengthen its financing portfolio through several
unggulan yang dirancang untuk meningkatkan daya saing flagship credit programs designed to enhance the Bank’s
Bank di industri perbankan sekaligus memperluas basis competitiveness in the banking industry while expanding its
nasabah, di antaranya Special Loan Program, Invoice customer base, including the Special Loan Program, Invoice
Factoring, K-Sure Loan, serta Join Growth Partnership. Factoring, K-Sure Loan, and the Join Growth Partnership.
Selain itu, Bank juga mendorong peningkatan dana murah Furthermore, the Bank continues to increase low-cost
melalui pengembangan produk penghimpunan dana, funds through the development of fundraising products,
seperti IBK-Plan dan Kids Program, yang berkontribusi such as the IBK-Plan and Kids Program, which contribute
34 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Manajemen • Management Reports terhadap peningkatan komposisi Current Account and to an increase in the composition of Current Account and Saving Account (CASA) sehingga mendukung efisiensi Savings Account (CASA) funds, thus supporting lower biaya dana Bank. cost of funds. Sejalan dengan meningkatnya kebutuhan nasabah In line with increasing customer demand for faster and terhadap layanan perbankan yang lebih cepat dan more integrated banking services, the Bank is also terintegrasi, Bank juga memperkuat transformasi digital strengthening digital transformation as a key driver of sebagai salah satu pendorong utama peningkatan kualitas service quality improvement. Throughout 2025, the Bank layanan. Sepanjang tahun 2025, Bank mengembangkan developed various digital-based services, including the berbagai layanan berbasis digital, antara lain melalui implementation of QRIS payments, the development of implementasi pembayaran QRIS, pengembangan Local the Indonesia-Korea Local Currency Transaction (LCT) Currency Transaction (LCT) System Indonesia–Korea, System, and the provision of transaction features such as serta penyediaan fitur transaksi seperti top-up e-money dan e-money top-ups and tax and other fee payments through pembayaran pajak maupun bea lainnya melalui e-channel the Bank’s e-channels. These initiatives aim to increase Bank. Inisiatif tersebut bertujuan untuk meningkatkan customer access while expanding the Bank’s digital service kemudahan akses layanan bagi nasabah sekaligus ecosystem. memperluas ekosistem layanan digital Bank. Selain fokus pada penguatan layanan kepada nasabah, Bank In addition to focusing on strengthening customer service, juga terus melakukan digitalisasi proses operasional internal the Bank also continued to digitize internal operational guna meningkatkan efisiensi serta mendorong kualitas processes to improve efficiency and enhance the quality of pengelolaan bisnis, antara lain melalui pengembangan business management, including through the development Sistem Kredit Terintegrasi yang mendukung proses of an Integrated Credit System that supports more effective analisis, persetujuan, serta pemantauan kredit secara and transparent credit analysis, approval, and monitoring lebih efektif dan transparan. Implementasi sistem tersebut processes. The implementation of this system is expected diharapkan dapat mempercepat proses pelayanan kepada to accelerate customer service while strengthening risk nasabah sekaligus memperkuat pengendalian risiko dalam control in financing disbursement. penyaluran pembiayaan. Sejalan dengan upaya penguatan sistem dan proses In line with efforts to strengthen these operational systems operasional tersebut, Direksi juga memastikan bahwa and processes, the Board of Directors also ensures setiap langkah ekspansi bisnis tetap dilaksanakan dengan that every step of business expansion continues to be mengedepankan prinsip prudent banking. Bank secara carried out while prioritizing prudent banking principles. konsisten memperkuat penerapan manajemen risiko The Bank consistently strengthens the implementation melalui penyempurnaan kebijakan, prosedur, dan proses of risk management through improvements to risk pengelolaan risiko, serta peningkatan kompetensi SDM. management policies, procedures, and processes, as well Dalam proses penyaluran kredit, Bank menerapkan prinsip as improving human resource competencies. In its lending kehati-hatian secara ketat melalui analisis kredit yang process, the Bank strictly applies prudent principles komprehensif, pemantauan kredit yang berkelanjutan, through comprehensive credit analysis, continuous serta pengikatan jaminan dan dokumentasi perkreditan credit monitoring, and adequate collateral and credit yang memadai guna menjaga kualitas portofolio kredit dan documentation to maintain the quality of its credit portfolio meminimalkan potensi risiko. and minimize potential risks. Melalui berbagai inisiatif strategis tersebut, Bank IBK Through these various strategic initiatives, Bank IBK Indonesia terus memperkuat kapabilitas bisnis dan Indonesia continues to strengthen its business capabilities kualitas layanan kepada nasabah melalui penguatan and customer service quality by strengthening its financing portofolio pembiayaan, pengembangan layanan digital, portfolio, developing digital services, and optimizing serta optimalisasi proses operasional guna mendukung operational processes to support healthy and sustainable pertumbuhan usaha yang sehat dan berkelanjutan serta business growth and enhance its competitiveness in the meningkatkan daya saing Bank di industri perbankan national banking industry. By prioritizing good governance nasional. Dengan tetap mengedepankan praktik governansi practices and disciplined risk management, the Bank yang baik dan disiplin pengelolaan risiko secara cermat, Bank consistently strives to maintain a balance between terus berupaya menjaga keseimbangan antara pertumbuhan business growth and asset quality. This commitment usaha dan kualitas aset. Komitmen tersebut menjadi serves as the foundation for Bank IBK Indonesia to create PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 35
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Laporan Manajemen • Management Reports landasan bagi Bank IBK Indonesia untuk menciptakan nilai sustainable added value for shareholders, customers, and tambah yang berkelanjutan bagi pemegang saham, nasabah, all stakeholders. dan seluruh pemangku kepentingan. Analisis Kinerja Bank Tahun 2025 Bank Performance Analysis in 2025 Perbandingan Target dan Realisasi Kinerja Tahun 2025 Comparison of Target and Actual Performance in 2025 Sampai dengan akhir tahun 2025, penyaluran kredit As of the end of 2025, the Bank’s credit disbursement Bank tercatat sebesar Rp14,47 triliun, atau setara reached IDR 14.47 trillion, equivalent to 101.8% of dengan 101,8% dari target yang ditetapkan dalam RBB the target set in the 2025 Business Plan (RBB). Tahun 2025. Pada saat yang sama, penghimpunan DPK Meanwhile, third-party funds reached IDR 11.92 trillion, dibukukan mencapai Rp11,92 triliun, atau sekitar 104,5% or approximately 104.5% of the RBB target. Compared to dari target RBB Tahun 2025. Apabila dibandingkan the previous year, credit and third-party funds increased dengan posisi tahun sebelumnya, realisasi Kredit dan DPK by 23.60% (YoY) and 26.65% (YoY), respectively. This pada tahun 2025 masing-masing mencatat pertumbuhan performance reflects the Bank’s ability to maintain a sebesar 23,60% (yoy) dan 26,65% (yoy). Perkembangan balance between financing growth and strengthening its tersebut mencerminkan kemampuan Bank dalam menjaga funding base amid evolving industry dynamics. keseimbangan antara pertumbuhan pembiayaan dan penguatan basis pendanaan di tengah dinamika industri perbankan. Secara lebih spesifik, penyaluran kredit Bank pada tahun In terms of portfolio composition, credit disbursement in 2025 didominasi oleh pembiayaan modal kerja lalu diikuti 2025 was predominantly allocated to working capital oleh pembiayaan investasi dengan konsentrasi terbesar financing, followed by investment financing, with the largest pada sektor industri pengolahan. Dalam mendukung concentration in the manufacturing sector. To support pengembangan portofolio pembiayaan tersebut, Bank portfolio expansion, the Bank implemented several flagship telah menjalankan sejumlah program unggulan, seperti programs, including the Special Loan Program, Invoice Special Loan Program, Invoice Factoring, K-Sure Loan, Factoring, K-Sure Loan, and Joint Growth Partnership, dan Join Growth Partnership, termasuk pembiayaan untuk as well as financing for natural resource-based economic sektor ekonomi berbasis sumber daya alam. sectors. Seiring dengan perkembangan fungsi intermediasi tersebut, In line with the development of its intermediation function, kinerja keuangan Bank sepanjang tahun 2025 juga tetap the Bank’s financial performance remained solid. Interest terjaga dengan baik sebagaimana tercermin dari realisasi income reached IDR 1.37 trillion (maintained at 93.62% pendapatan bunga sebesar Rp1,37 triliun (terjaga dan of the 2025 Bank Business Plan (RBB) target) and berada 93,62% terhadap target RBB Tahun 2025) dan operating income of IDR116 billion (maintained at 89.73% pendapatan operasional senilai Rp116 miliar (terjaga dan of the 2025 Bank Business Plan (RBB) target). The Bank berada 89,73% terhadap target RBB Tahun 2025). Dengan recorded a net profit of IDR 197.41 billion, representing capaian tersebut, Bank tetap berhasil membukukan laba a shortfall of approximately 11.57% from the RBB target. bersih sebesar Rp197,41 miliar, atau menurun sekitar Compared to the previous year’s net profit of IDR 215.85 11,57% dari target RBB Tahun 2025. Dibandingkan dengan billion, this performance demonstrates the Bank’s ability to realisasi laba bersih pada tahun sebelumnya sebesar maintain stable profitability amid external challenges. Rp215,85 miliar, kinerja tahun 2025 tetap mencerminkan kemampuan Bank dalam menjaga stabilitas profitabilitas di tengah berbagai tantangan eksternal. Dari sisi posisi keuangan, total aset Bank pada akhir tahun From a financial position perspective, total assets at the 2025 tercatat sebesar Rp23,41 triliun, meningkat sekitar end of 2025 were recorded at IDR 23.41 trillion, reflecting 16,67% (yoy) dibandingkan dengan posisi tahun 2024 a 16.67% year-on-year increase from IDR 20.06 trillion sebesar Rp20,06 triliun. Pertumbuhan tersebut menunjukkan in 2024. This growth underscores the Bank’s continued upaya berkelanjutan Bank dalam memperkuat basis usaha efforts to strengthen its business foundation and expand sekaligus meningkatkan kapasitas bisnis untuk mendukung its capacity to support sustainable development. pengembangan kegiatan usaha secara berkelanjutan. 36 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Manajemen • Management Reports Selain bertanggung jawab atas pencapaian indikator Beyond financial performance, the Board of Directors keuangan, Direksi juga mengevaluasi kinerja operasional also evaluates operational indicators, including customer Bank yang mencerminkan perkembangan basis nasabah growth and digital service utilization. By the end of serta peningkatan pemanfaatan layanan digital. Hingga 2025, the Bank’s customer base had increased by 21%, akhir tahun 2025, jumlah nasabah Bank tercatat meningkat from 22,593 customers in 2024 to 27,264 customers. sebesar 21%, dari 22.593 nasabah pada tahun 2024 This growth was primarily driven by the corporate and menjadi 27.264 nasabah. Pertumbuhan tersebut terutama commercial segments, in line with the Bank’s strategic didorong oleh peningkatan nasabah pada segmen korporasi focus on financing productive sectors. dan komersial, sejalan dengan fokus strategi Bank dalam memperluas pembiayaan pada sektor usaha produktif. Sejalan dengan inisiatif penguatan layanan digital yang In parallel with the Bank’s digital transformation initiatives, terus dilakukan Bank, pemanfaatan layanan e-channel juga the utilization of e-channel services also showed strong menunjukkan perkembangan yang positif. Jumlah nasabah growth. The number of users of mobile banking, internet yang menggunakan layanan mobile banking, internet banking, banking, and other e-channels increased by 26.4% to serta kanal transaksi elektronik lainnya tercatat meningkat 19,110 users, up from 15,213 users in 2024. This reflects 26,4% menjadi 19,110 pengguna dari sebanyak 15,213 broader customer adoption of digital services and the pengguna pada 2024. Peningkatan tersebut mencerminkan Bank’s ongoing efforts to enhance accessibility and service semakin luasnya adopsi layanan digital oleh nasabah sekaligus quality. menunjukkan upaya Bank dalam meningkatkan kemudahan akses serta kualitas layanan perbankan. Seiring dengan meningkatnya jumlah pengguna layanan Consistent with this trend, transaction volume through the digital, volume transaksi melalui e-channel Bank juga Bank’s e-channels grew by 76% compared to the previous tumbuh sebesar 76% dibandingkan tahun sebelumnya. year. Continuous digital development has strengthened Pengembangan layanan digital yang dilakukan secara the Bank’s service ecosystem, improved customer berkelanjutan turut memperkuat ekosistem layanan Bank convenience, and contributed to increased transaction sekaligus meningkatkan kemudahan dan kenyamanan activity across digital platforms. nasabah dalam bertransaksi yang pada akhirnya mendorong peningkatan aktivitas transaksi melalui kanal digital Bank. Secara keseluruhan, Direksi menilai bahwa kinerja Overall, the Board of Directors assesses that the Bank’s Bank IBK Indonesia sepanjang tahun 2025 tetap performance in 2025 demonstrates strong resilience. menunjukkan ketahanan yang baik. Meskipun realisasi Although several key financial indicators did not fully sejumlah indikator keuangan kunci belum sepenuhnya meet the targets set in the RBB, the Bank successfully mencapai target yang ditetapkan dalam RBB, Bank tetap maintained intermediation growth, strengthened its funding mampu menjaga pertumbuhan intermediasi, memperkuat base, and enhanced service quality. These financial and basis pendanaan, serta meningkatkan kualitas layanan non-financial achievements provide a solid foundation for kepada nasabah. Berbagai indikator keuangan dan non- the Bank to further strengthen its business and support keuangan tersebut menjadi landasan penting bagi Bank sustainable growth going forward. untuk terus memperkuat fondasi bisnis serta mendukung pengembangan usaha secara berkelanjutan. Tantangan Pengelolaan Bisnis dan Penyelesaiannya Business Management Challenges and Their Solutions Sepanjang tahun 2025, aktivitas usaha Bank IBK Indonesia Throughout 2025, Bank IBK Indonesia’s business activities dipengaruhi oleh berbagai dinamika eksternal, termasuk were influenced by various external dynamics, including perkembangan situasi politik dalam negeri yang mendorong developments in the domestic political situation, which sebagian pelaku usaha mengambil sikap wait and see prompted some business players to adopt a wait-and-see dalam berinvestasi maupun mengambil keputusan bisnis. attitude regarding investments and business decisions. Kondisi tersebut secara langsung berdampak pada aktivitas These conditions directly impacted business activity, which dunia usaha yang cenderung bergerak lebih moderat pada grew at a more moderate pace in the early part of the year, periode awal tahun, sehingga permintaan pembiayaan dari resulting in relatively limited growth in financing demand sektor industri dan korporasi juga mengalami pertumbuhan from the industrial and corporate sectors. yang relatif terbatas. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 37
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Laporan Manajemen • Management Reports Dalam menghadapi kondisi tersebut, Bank menerapkan In response to these conditions, the Bank implemented berbagai langkah mitigasi yang adaptif dengan tetap various adaptive mitigation measures while maintaining mengedepankan prinsip kehati-hatian dalam mengelola a prudent approach to business management. In its bisnis. Dalam pelaksanaannya, Direksi secara berkelanjutan implementation, the Board of Directors continuously memantau perkembangan kondisi ekonomi serta monitored economic developments and made selective melakukan penyesuaian strategi secara selektif, khususnya strategic adjustments, particularly regarding financing terkait pengelolaan portofolio pembiayaan serta penguatan portfolio management and strengthening relationships hubungan dengan nasabah eksisting. Melalui langkah with existing customers. Through these measures, the tersebut, Bank berupaya menjaga keseimbangan antara Bank strived to maintain a balance between sustainable pertumbuhan usaha yang berkelanjutan dan kualitas aset business growth and asset quality. yang tetap terjaga. Memasuki paruh kedua tahun 2025, meredanya Entering the second half of 2025, easing uncertainty and ketidakpastian serta membaiknya aktivitas ekonomi mulai improving economic activity began to positively impact memberikan dampak positif terhadap kinerja bisnis Bank. the Bank’s business performance. The Bank utilized these Perkembangan tersebut dimanfaatkan oleh Bank untuk developments to further optimize its intermediation function kembali mengoptimalkan fungsi intermediasi sekaligus while selectively strengthening the development of its memperkuat pengembangan portofolio pembiayaan financing portfolio. The dynamics that occurred throughout secara selektif. Dinamika yang terjadi sepanjang tahun this year also provided important lessons for the Bank ini juga memberikan pembelajaran penting bagi Bank in strengthening organizational resilience, increasing dalam memperkuat ketahanan organisasi, meningkatkan adaptability to changing external conditions, and ensuring kemampuan adaptasi terhadap perubahan kondisi that business management is always carried out prudently eksternal, serta memastikan bahwa pengelolaan bisnis and sustainably. senantiasa dijalankan secara prudent dan berkelanjutan. Kinerja Lainnya Other Performance Struktur Organisasi, serta Aktivitas Utama dan Organizational Structure, Core Activities, Products, Produk dan Jasa and Services Bank memiliki struktur organisasi yang dirancang secara The Bank maintains an integrated organizational structure terintegrasi untuk memastikan koordinasi yang optimal designed to ensure effective coordination across work antar-unit kerja, sehingga mendukung implementasi units, thereby supporting the consistent implementation kebijakan dan strategi bisnis yang konsisten serta selaras of business policies and strategies aligned with its dengan arah pengembangan usaha. Sepanjang tahun development objectives. Throughout 2025, the Bank 2025, Bank menjalankan kegiatan usaha sebagai bank operated as a commercial bank, mobilizing funds from the umum yang menghimpun dana dari masyarakat dalam public in the form of deposits and channeling them into bentuk simpanan dan menyalurkannya kembali dalam loans, while also providing a range of banking services bentuk kredit, serta menyediakan berbagai layanan jasa in accordance with applicable regulations. Further details perbankan sesuai dengan ketentuan yang berlaku. Uraian on the Bank’s organizational structure, core activities, and lebih lanjut mengenai struktur organisasi, aktivitas utama, products and services are presented in the Company serta produk dan jasa Bank IBK Indonesia disajikan pada Profile chapter of this Annual Report. Bab Profil Perusahaan dalam Laporan Tahunan ini. Tingkat Suku Bunga Penghimpunan Dana Selama 1 Fund Collection Interest Rates During the Fiscal (Satu) Tahun Buku Year Sepanjang tahun buku 2025, Bank menetapkan Suku Bunga Throughout the 2025 fiscal year, the Bank established Dasar Kredit (SBDK) sebagai acuan dalam menentukan the Prime Lending Rate (SBDK) as a reference for suku bunga kredit kepada nasabah. Sesuai dengan determining lending rates for customers. In accordance ketentuan POJK No. 18 Tahun 2025 tentang Transparansi with POJK No. 18 of 2025 concerning Transparency and dan Publikasi Laporan Bank, Bank mempublikasikan SBDK Publication of Bank Reports, the Bank disclosed its Prime dalam mata uang Rupiah melalui kantor cabang serta situs Lending Rate in Rupiah through its branch network and on resmi Bank pada tautan berikut: https://ibk.co.id/. Uraian its official website (https://ibk.co.id/). Further details on lebih lanjut mengenai SBDK Bank IBK Indonesia disajikan the Bank’s Prime Lending Rate (SBDK) are presented in pada Bab Analisis dan Pembahasan Manajemen, dalam the Management Discussion and Analysis chapter of this Laporan Tahunan ini. Annual Report. 38 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Manajemen • Management Reports
Selain itu, Bank juga menetapkan tingkat suku bunga In addition, the Bank sets interest rates for fund-raising
penghimpunan dana selama 1 (satu) tahun dengan rincian activities throughout the year, as follows:
sebagai berikut:
Simpanan < 2 Miliar | Savings of < 2 Billion
Jenis Simpanan Range Suku Bunga | Interest Rate Range
Types of Savings
Rupiah Valuta Asing
IDR Foreign Currency
Giro | Current Account 0%-3% 0%-1%
Tabungan | Savings 0%-3% 0%-1%
Deposito | Time Deposits 2,5%-5% 2,7%-3%
Simpanan > 2 Miliar | Savings of > 2 Billion
Jenis Simpanan Range Suku Bunga | Interest Rate Range
Types of Savings
Rupiah Valuta Asing
IDR Foreign Currency
Giro | Current Account 0%-3% 0%-1%
Tabungan | Savings 0%-3% 0%-1%
Deposito | Time Deposits 2,5%-5% 2,7%-3%
Jumlah, Jenis, dan Lokasi Kantor Number, Type, and Location of Offices
Pada akhir tahun 2025, Bank memiliki 29 jaringan kantor As of the end of 2025, the Bank operated a network of
cabang yang tersebar di sejumlah kota besar di Indonesia. 29 branch offices across several major cities in Indonesia.
Dalam menjalankan kegiatan operasionalnya, Bank In supporting its operational activities, the Bank was
didukung oleh 593 karyawan yang memberikan layanan supported by 593 employees delivering services both at
kepada nasabah baik di Kantor Pusat maupun di seluruh the Head Office and across its branch network.
jaringan kantor cabang.
Jaringan Kerja dan Mitra Usaha Network and Business Partners
Bank menjalin kemitraan strategis dengan berbagai mitra The Bank has established strategic partnerships with
usaha untuk memperluas akses nasabah terhadap produk various business partners to expand customer access to
dan layanan keuangan serta mendukung kelancaran financial products and services and to support operational
operasional. Kemitraan ini mendorong penetrasi pasar, effectiveness. These partnerships contribute to broader
optimalisasi cross-selling, dan penguatan keterlibatan market penetration, enhanced cross-selling opportunities,
nasabah, sekaligus mendukung pengembangan layanan and stronger customer engagement, while also supporting
yang relevan serta pertumbuhan usaha yang berkelanjutan. the development of relevant services and sustainable
business growth.
Perubahan-Perubahan Penting yang Terjadi pada Significant Changes to the Bank
Bank
Pada tahun 2025, tidak terdapat adanya perubahan In 2025, there were no significant changes to the Bank.
penting yang terjadi pada Bank.
Hal-Hal Penting Yang Diperkirakan Terjadi Pada Important Future Events
Masa Mendatang The Board of Directors views the disclosure of material
Direksi memandang bahwa pengungkapan informasi information as part of its commitment to transparency and
material merupakan bagian dari komitmen transparansi dan accountability to stakeholders, particularly with respect to
akuntabilitas kepada Pemangku Kepentingan, khususnya significant matters that are expected to affect the Bank’s
terkait hal-hal penting yang diperkirakan akan memengaruhi performance in the future. In 2026, the banking industry will
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 39
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Laporan Manajemen • Management Reports
kinerja Bank di masa mendatang. Pada tahun 2026, industri be influenced by the dynamics of monetary policy, liquidity
perbankan akan dipengaruhi oleh dinamika kebijakan conditions, the acceleration of digitalization, changes in
moneter, kondisi likuiditas, percepatan digitalisasi, serta customer preferences, and regulatory strengthening that
perubahan preferensi nasabah dan penguatan regulasi will intensify competition.
yang meningkatkan intensitas persaingan.
In response to these developments, the Bank has
Menyikapi dinamika ke depan, Bank telah menetapkan established an adaptive business strategy through the
strategi bisnis yang adaptif melalui penguatan prinsip strengthening of prudential principles, disciplined risk
kehati-hatian, disiplin pengelolaan risiko, serta akselerasi management, and the acceleration of digital capabilities,
kapabilitas digital, yang diimplementasikan antara lain implemented among others through service innovations
melalui inovasi layanan seperti fitur tarik tunai tanpa kartu such as the cardless cash withdrawal feature on mobile
pada mobile banking. Dengan arah strategi tersebut, Bank banking. With this strategic direction, the Bank remains
optimistis dapat menjaga pertumbuhan kinerja yang sehat, optimistic about maintaining healthy performance growth,
memperkuat daya saing, serta menciptakan nilai tambah strengthening its competitiveness, and creating sustainable
yang berkelanjutan. value.
Komitmen Bank dalam Mendukung The Bank’s Commitment to Supporting
Pengembangan Sumber Daya Manusia Human Resources (HR) and Information
(SDM) dan Teknologi Informasi (TI) Technology (IT) Development
Direksi menempatkan Sumber Daya Manusia (SDM) dan The Board of Directors positions Human Resources (HR)
Teknologi Informasi (TI) sebagai faktor strategis dalam and Information Technology (IT) as key strategic enablers
mendukung keberlanjutan usaha Bank, dengan keyakinan of the Bank’s long-term sustainability. The Bank recognizes
bahwa keunggulan kompetitif ditentukan oleh kapabilitas that its competitive advantage is driven by strong human
SDM yang didukung sistem dan infrastruktur teknologi yang capital supported by reliable technology systems and
andal. Untuk itu, Bank memperkuat pengembangan SDM infrastructure. Accordingly, the Bank continues to
dan TI secara terpadu melalui kebijakan yang mendorong strengthen integrated HR and IT development through
peran karyawan sebagai Strategic Business Partner, policies that position employees as Strategic Business
didukung oleh empat pilar utama yaitu pengembangan Partners. These efforts are supported by four main pillars:
kepemimpinan internal, sistem kompensasi berbasis internal leadership development, a performance-based
kinerja, penguatan retensi dan onboarding, serta mitigasi compensation system, enhanced retention and onboarding
risiko operasional terintegrasi. Upaya ini diperkuat dengan programs, and integrated operational risk mitigation. These
pengembangan budaya “IBK Pride” dan penyempurnaan initiatives are further reinforced by the development of
sistem manajemen SDM guna menciptakan lingkungan an “IBK Pride” culture and continuous improvements to
kerja yang profesional, kolaboratif, dan selaras dengan the HR management system, fostering a professional,
kebutuhan bisnis berkelanjutan. collaborative, and future-ready work environment.
Selain itu, Bank terus melakukan pembaruan sistem At the same time, the Bank continues to enhance its
dan aplikasi melalui program technology refresh untuk technology infrastructure through a technology refresh
memastikan operasional yang aman dan andal, sekaligus program to ensure secure and reliable operations. The
mendorong digitalisasi melalui layanan non face-to-face Bank is also accelerating digitalization initiatives, including
seperti QRIS yang hingga September 2025 mencatat the expansion of non-face-to-face services such as QRIS,
lebih dari 6.000 transaksi dengan nilai sekitar Rp900 miliar. which by September 2025 recorded more than 6,000
Implementasi Local Currency Transaction (LCT) Indonesia– transactions with a total value of approximately IDR 900
Korea juga mencapai sekitar Rp20 miliar sebagai upaya billion. In addition, the implementation of the Indonesia–
meningkatkan efisiensi transaksi lintas negara. Seiring Korea Local Currency Transaction (LCT) reached
pertumbuhan transaksi digital, Bank turut memperkuat approximately IDR 20 billion, supporting greater efficiency
sistem internal melalui komputerisasi dokumen kredit, in cross-border transactions. In line with the growth of digital
peningkatan perlindungan data, pengendalian transaksi activities, the Bank continues to strengthen its internal
valuta asing, serta optimalisasi efisiensi operasional guna systems through the digitization of credit documentation,
mendukung pengembangan bisnis. enhanced data protection, improved foreign exchange
transaction controls, and greater operational efficiency to
support business growth.
40 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Manajemen • Management Reports Prospek Usaha Tahun 2026 Business Prospects for 2026 Memasuki tahun 2026, perekonomian global diperkirakan Entering 2026, the global economy is expected to continue menunjukkan perbaikan secara bertahap meskipun its gradual recovery, although uncertainties remain. Several masih dihadapkan pada sejumlah ketidakpastian. international institutions, including the International Beberapa lembaga internasional, termasuk Dana Moneter Monetary Fund (IMF), project global economic growth of Internasional (IMF), memproyeksikan pertumbuhan approximately 3.1% (YoY), slightly higher than the 2025 ekonomi global ke depan akan berada pada kisaran 3,1% projection of 3.0% (YoY). This outlook is supported by (yoy), sedikit lebih tinggi dibandingkan proyeksi tahun easing geopolitical tensions and improving stability in 2025 sebesar 3,0% (yoy). Proyeksi tersebut didukung oleh global financial markets, which are expected to support the mulai meredanya sebagian ketegangan geopolitik serta recovery of economic activity across regions. terjaganya stabilisasi kondisi pasar keuangan global yang secara bertahap mendorong pemulihan aktivitas ekonomi di berbagai kawasan atau regional. Dari sisi kebijakan moneter, arah suku bunga global From a monetary policy perspective, global interest rates diperkirakan mulai bergerak menuju fase pelonggaran secara are expected to gradually enter an easing phase, providing bertahap sehingga membuka ruang bagi negara berkembang, room for developing countries, including Indonesia, to termasuk Indonesia, untuk menyesuaikan kebijakan adopt more accommodative policy stances. In line with moneternya secara lebih akomodatif. Sejalan dengan hal this trend, domestic policy rates are projected to decline to tersebut, suku bunga kebijakan domestik diproyeksikan around 4.00% by the end of 2026. Against this backdrop, berpotensi menurun menuju kisaran 4,00% pada akhir 2026. the national banking industry is expected to maintain Dengan mempertimbangkan perkembangan tersebut, industri positive growth momentum, supported by economic perbankan nasional ke depan diperkirakan tetap tumbuh stability, increased real sector activity, and adequate positif, didorong oleh stabilitas ekonomi, meningkatnya liquidity. The Financial Services Authority (OJK) projects aktivitas sektor riil, serta likuiditas yang memadai. Sejalan bank credit growth of 10%–12% (YoY) and third-party dengan prospek tersebut, OJK menargetkan pertumbuhan funds (DPK) growth of 7%–9% (YoY), indicating continued kredit perbankan pada kisaran 10%-12% (yoy) dan DPK strengthening of the banking intermediation function. sebesar 7%-9% (yoy), yang mencerminkan ruang penguatan fungsi intermediasi perbankan. Selain prospek intermediasi yang tetap kuat, perkembangan In addition, the digital transformation of the financial digitalisasi sektor keuangan juga diperkirakan akan terus sector is expected to accelerate further, as reflected in meningkat sebagaimana tercermin dari semakin luasnya increasing adoption of digital payment systems, particularly adopsi sistem pembayaran digital oleh masyarakat, QRIS. By 2026, Bank Indonesia targets QRIS transaction khususnya melalui pemanfaatan QRIS. Pada tahun 2026, volumes to exceed approximately 7 billion transactions, Bank Indonesia menargetkan volume transaksi QRIS dapat alongside the continued expansion of the digital payment melampaui sekitar 7 miliar transaksi seiring dengan perluasan ecosystem and a growing base of users and merchants. ekosistem pembayaran digital serta peningkatan jumlah This development is expected to enhance the efficiency of pengguna dan merchant yang terintegrasi dalam sistem the national payment system and broaden public access to tersebut. Perkembangan ini diharapkan dapat meningkatkan digital financial services. efisiensi sistem pembayaran nasional sekaligus memperluas akses masyarakat terhadap layanan keuangan digital. Seiring dengan outlook industri yang positif, Direksi In line with this positive outlook, the Board of Directors melihat peluang pertumbuhan usaha Bank pada tahun believes that the Bank’s growth opportunities in 2026 2026 masih terbuka, sebagaimana terefleksi dalam RBB remain strong, as reflected in the comprehensive Tahun 2026 yang disusun secara komprehensif dan telah 2026 Business Plan (RBB) approved by the Board of disetujui Dewan Komisaris. Untuk mendukung pencapaian Commissioners. To support this, the Bank will focus on tersebut, Bank memfokuskan strategi pada penguatan strengthening its funding base and credit distribution by pendanaan dan penyaluran kredit melalui peningkatan increasing third-party funds (DPK) and low-cost funds DPK dan dana murah (CASA), optimalisasi layanan digital, (CASA), optimizing digital services, and pursuing selective serta pertumbuhan kredit secara selektif, khususnya credit growth, particularly targeting local customers and PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 41
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Laporan Manajemen • Management Reports kepada nasabah lokal dan perusahaan Korea. Selain itu, Korean corporate clients. The Bank will also continue to Bank juga akan terus memperkuat kapabilitas digital enhance its digital capabilities, including the development melalui pengembangan fitur IBK Mobile Banking guna of IBK Mobile Banking features, to improve service quality meningkatkan kualitas layanan dan pengalaman nasabah. and customer experience. Pengelolaan Bisnis Jangka Panjang Long-Term Business Management Through melalui Penerapan Prinsip Tata Kelola the Implementation of Good Corporate Perusahaan yang Baik Governance Principles Direksi memandang bahwa penerapan Tata The Board of Directors considers the implementation of Kelola Perusahaan yang Baik (Good Corporate Good Corporate Governance (GCG) to be a fundamental Governance/”GCG”) merupakan fondasi penting dalam pillar in ensuring sound, transparent, and sustainable memastikan pengelolaan usaha Bank yang sehat, business management. In conducting its business transparan, dan berkelanjutan. Dalam menjalankan kegiatan activities, Bank IBK Indonesia remains committed to usahanya, Bank IBK Indonesia senantiasa berkomitmen consistently applying GCG principles across all levels of untuk menerapkan prinsip-prinsip GCG secara konsisten the organization. Beyond regulatory compliance, the Bank’s pada seluruh jenjang organisasi. Selain untuk memenuhi GCG implementation is also aimed at strengthening ketentuan regulator, implementasi GCG Bank juga accountability, enhancing the quality of decision-making, diarahkan untuk memperkuat akuntabilitas, meningkatkan and maintaining stakeholder trust. kualitas pengambilan keputusan, serta menjaga dan meningkatkan kepercayaan para pemangku kepentingan. Sepanjang tahun 2025, penerapan GCG Bank didukung Throughout 2025, the Bank’s GCG implementation was oleh struktur tata kelola yang memadai dan mekanisme supported by a robust governance structure and effective pengawasan yang efektif sehingga fungsi check and oversight mechanisms, ensuring proper checks and balances balance dapat berjalan optimal serta potensi benturan while mitigating potential conflicts of interest. To maintain kepentingan dapat dimitigasi dengan baik. Dalam menjaga the quality of its governance practices, the Bank ensures kualitas GCG, Bank juga memastikan kepatuhan penuh full compliance with applicable regulations, including POJK terhadap POJK No. 17 Tahun 2023 tentang Penerapan No. 17 of 2023 concerning the implementation of GCG Tata Kelola bagi Bank Umum dan regulasi turunannya, for commercial banks and its implementing regulations. sebagai landasan untuk memperkuat transparansi, These frameworks serve as the foundation for strengthening akuntabilitas, dan kualitas pengambilan keputusan guna transparency, accountability, and decision-making quality, menjaga kepentingan pemegang saham dan pemangku while safeguarding the interests of shareholders and kepentingan, termasuk nasabah dan pemilik dana. stakeholders, including customers and fund owners. Dalam rangka memperkuat budaya kepatuhan, Bank secara To further reinforce its compliance culture, the Bank berkelanjutan meningkatkan efektivitas sistem pemantauan continuously enhances the effectiveness of its compliance kepatuhan, memperkuat implementasi Anti-Pencucian monitoring systems, strengthens the implementation of Anti- Uang dan Pencegahan Pendanaan Terorisme (APU PPT), Money Laundering and Counter-Terrorism Financing (AML- serta mengembangkan kapabilitas dalam identifikasi dan CFT) measures, and develops capabilities in identifying pelaporan transaksi mencurigakan. Inisiatif tersebut turut and reporting suspicious transactions. These initiatives diimbangi dengan penguatan Strategi Anti-Fraud dan are complemented by the strengthening of the Bank’s peningkatan pengawasan terhadap potensi penyalahgunaan Anti-Fraud Strategy and enhanced oversight to prevent layanan perbankan dalam rangka menjaga integritas kegiatan the misuse of banking services, thereby safeguarding the usaha. Sejalan dengan itu, Bank juga memperkuat aspek integrity of its operations. In addition, the Bank continues pelindungan konsumen dan keamanan data nasabah sesuai to strengthen consumer protection and data security in dengan UU No. 27 Tahun 2022 tentang Pelindungan Data accordance with Law No. 27 of 2022 on Personal Data Pribadi serta kebijakan internal yang berlaku. Protection and relevant internal policies. Direksi memastikan efektivitas penerapan manajemen risiko The Board of Directors also ensures the effective dan pengendalian internal, termasuk melalui implementasi implementation of risk management and internal control Internal Control over Financial Reporting (ICoFR) secara systems, including the consistent application of Internal konsisten untuk menjaga keandalan dan integritas pelaporan Control over Financial Reporting (ICoFR) to maintain the 42 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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keuangan. Melalui implementasi GCG dan pengelolaan reliability and integrity of financial reporting. Through the
risiko yang berkelanjutan, Direksi memastikan seluruh implementation of GCG and sound risk management
aktivitas usaha dijalankan secara prudent, transparan, dan practices, the Board of Directors ensures that all business
akuntabel, sebagai fondasi dalam menjaga kepercayaan activities are conducted in a prudent, transparent, and
pemangku kepentingan serta mendukung pertumbuhan accountable manner, thereby reinforcing stakeholder trust
jangka panjang. and supporting the Bank’s long-term growth.
Komitmen Bank terhadap Implementasi The Bank’s Commitment to Sustainable
Keuangan Berkelanjutan Finance Implementation
Pada tahun 2025, Bank memperkuat implementasi By 2025, the Bank continues to strengthen the
keuangan berkelanjutan sebagai bagian integral dari implementation of sustainable finance as an integral
strategi bisnis dan tata kelola, dengan memandang part of its business and governance strategy. The Bank
keberlanjutan tidak hanya sebagai kepatuhan regulasi, views sustainability not merely as a matter of regulatory
tetapi sebagai kerangka jangka panjang untuk menjaga compliance, but as a long-term framework for enhancing
ketahanan usaha, meningkatkan efisiensi, dan menciptakan business resilience, improving operational efficiency, and
nilai bagi pemangku kepentingan. Seiring meningkatnya creating value for stakeholders. In response to evolving
tuntutan industri, Bank terus menginternalisasi prinsip industry expectations, the Bank continues to embed
keberlanjutan dalam pengambilan keputusan, operasional, sustainability principles into its decision-making processes,
serta pengembangan produk dan layanan, yang didukung operations, and the development of products and services.
oleh penguatan budaya perusahaan, peningkatan kapasitas These efforts are supported by a strengthened corporate
internal, serta berbagai inisiatif pada aspek ekonomi, culture, internal capacity building, and a range of initiatives
lingkungan, dan sosial. across economic, environmental, and social dimensions.
Kebijakan untuk Merespons Tantangan dalam Policies to Address Challenges in Implementing the
Pemenuhan Strategi Keberlanjutan Sustainability Strategy
Direksi memandang keberhasilan strategi keberlanjutan The Board of Directors recognizes that the successful
Bank bergantung pada penguatan budaya, tata kelola, implementation of the Bank’s sustainability strategy depends
dan infrastruktur pendukung, yang berlandaskan nilai on strengthening organizational culture, governance, and
Kepercayaan dan Tanggung Jawab, Semangat dan Inovasi, supporting infrastructure, guided by the values of Trust and
serta Komunikasi dan Kerja Sama. Namun demikian, Responsibility, Passion and Innovation, and Communication
implementasi masih menghadapi tantangan berupa and Teamwork. Nevertheless, implementation continues to
kecenderungan silo antar unit yang membatasi kolaborasi, face several challenges, including siloed operations across
belum meratanya pemahaman prinsip keberlanjutan di work units that limit collaboration, uneven understanding of
seluruh organisasi, serta keterbatasan sistem, khususnya sustainability principles across the organization, and system
belum tersedianya Management Information System (MIS) constraints—particularly the absence of a Management
yang mendukung asesmen dan pemantauan portofolio Information System (MIS) to support comprehensive
hijau secara komprehensif. monitoring and evaluation of the Bank’s green portfolio.
Sebagai respons, Direksi memperkuat kapasitas dan In response, the Board of Directors is enhancing
kesadaran keberlanjutan melalui pelatihan, sosialisasi sustainability awareness and capabilities through targeted
kebijakan regulator, serta penguatan integrasi prinsip training programs, the dissemination of regulatory
keberlanjutan dalam strategi dan operasional. Di tingkat policies, and the integration of sustainability principles
operasional, kebijakan diarahkan pada efisiensi dan into the Bank’s strategy and operational processes. At
pengurangan dampak lingkungan melalui digitalisasi the operational level, the Bank is implementing policies
proses kerja, penggunaan tablet untuk mengurangi kertas, aimed at improving efficiency and reducing environmental
pemanfaatan ulang aset, serta pelaksanaan program impact, including the digitization of work processes,
Tanggung Jawab Sosial dan Lingkungan (TJSL) seperti the use of tablets to minimize paper consumption, asset
penanaman pohon dan daur ulang plastik, sebagai fondasi optimization and reuse, and the implementation of Social
pembentukan budaya kerja yang lebih berkelanjutan. and Environmental Responsibility (TJSL) initiatives such
as tree planting and plastic recycling. These initiatives
serve as a foundation for fostering a more sustainable and
environmentally responsible corporate culture.
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Penerapan Keuangan Berkelanjutan dan Kinerja Sustainable Finance Implementation and
Keberlanjutan Tahun 2025 Sustainability Performance in 2025
Penerapan keuangan berkelanjutan merupakan salah satu The implementation of sustainable finance remains a key
pilar utama strategi Bank dalam menciptakan nilai jangka pillar of the Bank’s strategy to create long-term value. The
panjang. Direksi berkomitmen untuk mengintegrasikan Board of Directors is committed to integrating sustainability
prinsip keberlanjutan ke dalam aktivitas bisnis utama Bank, principles into the Bank’s core business activities,
khususnya dalam penyaluran pembiayaan dan pengelolaan particularly in financing distribution and operational
operasional. management.
Kinerja Ekonomi Economic Performance
Dari aspek ekonomi, Bank memfokuskan penerapan From an economic perspective, the Bank focuses its
keuangan berkelanjutan pada perluasan akses pembiayaan, sustainable finance initiatives on expanding access to
khususnya bagi Usaha Mikro, Kecil, dan Menengah financing—particularly for Micro, Small, and Medium
(UMKM), serta pengembangan portofolio kredit hijau. Pada Enterprises (MSMEs)—as well as developing a green
tahun 2025, penyaluran kredit UMKM mencapai Rp2,034 financing portfolio. In 2025, MSME lending reached IDR
triliun atau 89% dari target, dengan pertumbuhan sebesar 2.034 trillion, or 89% of the target, reflecting year-on-year
15,60% secara year-on-year dan kontribusi 14,06% growth of 15.60% and contributing 14.06% to total loans.
terhadap total kredit, mencerminkan peran Bank dalam This performance highlights the Bank’s role in promoting
mendorong ekonomi inklusif dan sektor produktif. an inclusive economy and supporting productive sectors.
Selain itu, Bank mencatat portofolio kredit hijau sebesar In addition, the Bank recorded a green credit portfolio of
Rp394 miliar yang disalurkan kepada lima debitur di sektor IDR 394 billion, disbursed to five debtors in the waste
pengolahan limbah, sehingga total kredit berkelanjutan management sector, bringing total sustainable financing to
mencapai Rp2,41 triliun. Meskipun belum sepenuhnya IDR 2.41 trillion. Although targets were not fully achieved,
mencapai target, Direksi menilai kinerja ini menunjukkan tren the Board of Directors considers this performance a
positif dalam pengembangan pembiayaan berkelanjutan, positive indication of progress in sustainable financing,
baik dari sisi pertumbuhan UMKM maupun pembentukan both in terms of MSME growth and the development of a
portofolio hijau. green portfolio.
Kinerja Lingkungan Environmental Performance
Dari aspek lingkungan, Bank menerapkan keuangan From an environmental perspective, the Bank implements
berkelanjutan melalui efisiensi operasional dan pengelolaan sustainable finance through operational efficiency and
sumber daya dengan target penurunan konsumsi sekitar responsible resource management, with a targeted
5%. Pada tahun 2025, pemakaian listrik terealisasi sebesar reduction in resource consumption of approximately
1.845 ribu kWh dibandingkan target 1.737 ribu kWh, 5%. In 2025, electricity consumption was recorded at
namun menurun 26,11% secara year-on-year. Sementara 1,845,000 kWh, compared to the target of 1,737,000
itu, pemakaian kertas mencapai 3.456 rim (target 2.611 kWh, representing a 26.11% year-on-year decrease.
rim), penggunaan botol plastik sebesar Rp66 juta (target Meanwhile, paper consumption reached 3,456 reams
Rp42 juta), pemakaian bahan bakar minyak sebesar 165 (target: 2,611 reams), plastic bottle usage costs amounted
ribu liter (target 122 ribu liter), serta pemakaian air sebesar to IDR 66 million (target: IDR 42 million), fuel consumption
8.364 m³ (target 5.412 m³), yang secara umum masih di of 165,000 liters (target: 122,000 liters), and water
atas target namun menunjukkan perbaikan dibandingkan consumption reached 8,364 m³ (target: 5,412 m³). While
tahun sebelumnya. these figures were generally above target, they showed
improvement compared to the previous year.
Selain itu, Bank menjalankan berbagai inisiatif lingkungan In addition, the Bank implemented various environmental
seperti penggunaan ulang 41 unit furnitur layak guna initiatives, including the reuse of 41 units of office furniture
senilai Rp275,98 juta, pengumpulan 49 kg sampah botol valued at IDR 275.98 million, the collection of 49 kg
plastik melalui program Bottle of Hope, serta penanaman of plastic waste through the Bottle of Hope program,
4.000 bibit mangrove. Upaya ini memperkuat komitmen and the planting of 4,000 mangrove seedlings. These
Bank dalam mengurangi dampak lingkungan sekaligus efforts reinforce the Bank’s commitment to minimizing
mendorong praktik operasional yang lebih berkelanjutan. environmental impact while promoting more sustainable
operational practices.
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Laporan Manajemen • Management Reports Kinerja Sosial Social Performance Direksi memandang kinerja sosial sebagai fondasi penting The Board of Directors views social performance as a dalam penerapan keuangan berkelanjutan, khususnya critical foundation for sustainable finance, particularly dalam memastikan kesiapan sumber daya manusia. in ensuring the readiness and capability of its human Pada tahun 2025, Bank meningkatkan kapasitas internal resources. In 2025, the Bank enhanced internal capacity melalui pelatihan keberlanjutan daring yang terintegrasi through online sustainability training integrated into its dalam Human Resource Information System (HRIS), Human Resource Information System (HRIS). Conducted yang dilaksanakan pada 1–31 Mei 2025 dan diikuti oleh from May 1–31, 2025, the program was attended by 481 481 karyawan dari kantor pusat dan cabang. Program ini employees across the head office and branch network. bertujuan membangun pemahaman yang selaras mengenai It aimed to build a shared understanding of sustainable prinsip keuangan berkelanjutan serta memperkuat peran finance principles and strengthen employees’ roles in karyawan dalam mendukung agenda keberlanjutan supporting the Bank’s sustainability agenda. Perseroan. Selain itu, Bank juga menjalankan program sosial yang In addition, the Bank implemented social initiatives focused berfokus pada pemberdayaan masyarakat dan ketahanan on community empowerment and food security through pangan melalui partisipasi dalam Program Kolaborasi TJSL its participation in the “Lorong Mekar Cikoko” Corporate “Lorong Mekar Cikoko” bersama PT Permodalan Nasional Social Responsibility (CSR) collaborative program with Madani (PNM), yang dilaksanakan pada 21 Februari 2025 PT Permodalan Nasional Madani (PNM), held on February di Jakarta Selatan. Inisiatif ini mendorong pengelolaan 21, 2025, in South Jakarta. This initiative promotes urban pertanian di kawasan urban guna meningkatkan agriculture to enhance food independence and community kemandirian pangan dan kesejahteraan masyarakat, welfare, while also supporting the achievement of the sekaligus mencerminkan kontribusi Bank terhadap Sustainable Development Goals (SDGs), particularly SDG pencapaian Sustainable Development Goals (SDGs), 1: No Poverty. khususnya SDG 1: Pengentasan Kemiskinan. Strategi Pencapaian Target Target Achievement Strategy Direksi menetapkan bahwa pencapaian target The Board of Directors has established that the achievement keberlanjutan dilakukan secara bertahap, terukur, dan of sustainability targets will be gradual, measurable, selaras dengan kapasitas organisasi, dengan fokus and aligned with the Bank’s organizational capacity, pada proyeksi aktivitas sebagai tolok ukur kinerja aspek with projected activities serving as key benchmarks for lingkungan, sosial, dan ekonomi sesuai dengan Rencana environmental, social, and economic performance in Aksi Keuangan Berkelanjutan (RAKB). Dalam hal ini, accordance with the Sustainable Finance Action Plan Direksi berperan aktif dalam menetapkan target yang (RAKB). In this regard, the Board of Directors plays realistis dengan mempertimbangkan dinamika regulasi, an active role in setting realistic targets by considering tren industri, dan kebutuhan pemangku kepentingan, regulatory developments, industry trends, and stakeholder serta memastikan integrasi RAKB dengan Rencana Bisnis expectations, while ensuring alignment between the RAKB Bank (RBB). Strategi utama yang ditempuh mencakup and the Bank’s Business Plan (RBB). Key strategies include digitalisasi dan sistemisasi proses operasional untuk the digitization and systemization of operational processes meningkatkan efisiensi, kualitas data, serta pelaporan, to enhance efficiency, data quality, and reporting, including termasuk pengembangan sistem informasi manajemen dan the development of a management information system and pilot penerapan taksonomi hijau. the initial implementation of a green taxonomy framework. Ke depan, Bank menargetkan peningkatan kredit UMKM Looking ahead, the Bank targets an increase in MSME dari Rp2.110 miliar pada 2025 menjadi Rp5.303 miliar financing from IDR 2,110 billion in 2025 to IDR 5,303 billion pada 2030, pelaksanaan pelatihan keberlanjutan sebanyak by 2030, the implementation of one to three sustainability 1-3 kali, penurunan bertahap konsumsi listrik, kertas, dan training programs annually, gradual reductions in electricity, bahan bakar, serta pengembangan Green Loan Program paper, and fuel consumption, and the development of a sebesar Rp100 miliar. Direksi juga secara aktif mengawal Green Loan Program valued at IDR 100 billion. The Board implementasi RAKB melalui mekanisme pengawasan, of Directors also actively oversees the implementation evaluasi, dan tindak lanjut berkala berdasarkan laporan of the RAKB through regular monitoring, evaluation, and dari unit terkait, guna memastikan efektivitas program dan follow-up mechanisms based on reports from relevant units, keselarasan dengan strategi Bank. Upaya ini diperkuat ensuring program effectiveness and alignment with the PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 45
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dengan peningkatan kapasitas internal melalui pelatihan Bank’s overall strategy. These efforts are further supported
berkelanjutan dan penguatan pemahaman karyawan, by ongoing internal capacity building and initiatives to
sehingga Direksi optimistis Bank dapat meningkatkan strengthen employee understanding of sustainability
kinerja keberlanjutan secara bertahap serta menciptakan principles. Accordingly, the Board of Directors remains
nilai jangka panjang yang seimbang antara pertumbuhan confident that the Bank will continue to enhance its
bisnis, efisiensi operasional, dan tanggung jawab sosial sustainability performance and create long-term value by
serta lingkungan. balancing business growth, operational efficiency, and
social and environmental responsibility.
Penilaian terhadap Komite-Komite di Assessment of Committees Under the
Bawah Direksi Board of Directors
Dalam menjalankan tugas dan tanggung jawabnya, In carrying out its duties and responsibilities, the Board of
Direksi dibantu oleh sejumlah komite pendukung yang Directors is supported by several committees with defined
memiliki ruang lingkup tugas dan kewenangan spesifik, scopes of authority, including the Credit Committee,
antara lain Komite Kredit, Asset and Liability Committee the Asset and Liability Committee (ALCO), the Risk
(ALCO), Komite Manajemen Risiko, dan Komite Teknologi Management Committee, and the Information Technology
Informasi (IT Committee). Masing-masing komite bekerja Committee (IT Committee). Each committee operates
berdasarkan Piagam Komite yang telah ditetapkan serta based on an established charter and performs consultative
menjalankan fungsi konsultatif dan rekomendatif dalam and advisory functions to support policy formulation and
mendukung perumusan kebijakan dan pengambilan decision-making related to the Bank’s business activities.
keputusan terkait kegiatan usaha Bank.
Berdasarkan hasil evaluasi sepanjang tahun 2025, Based on evaluations conducted throughout 2025, the
Direksi menilai bahwa seluruh komite di bawah Direksi Board of Directors assesses that all committees have
telah menjalankan tugas dan tanggung jawabnya secara performed their duties effectively and in accordance with
efektif dan sesuai dengan ketentuan yang berlaku. Seluruh applicable regulations. The recommendations provided by
rekomendasi yang dihasilkan oleh masing-masing komite each committee were considered timely, of high quality, and
juga dinilai tepat waktu, berkualitas, serta memberikan instrumental in strengthening the Bank’s risk management
kontribusi yang memadai dalam mendukung penguatan and strategic decision-making processes. With the support
manajemen risiko dan pengambilan keputusan strategis of these committees, the Board of Directors believes that
Bank. Dengan dukungan komite-komite tersebut, Direksi decision-making can be carried out more comprehensively
meyakini proses pengambilan keputusan strategis dapat and in line with prudential principles.
dilakukan secara lebih komprehensif dan selaras dengan
prinsip kehati-hatian.
Perubahan Komposisi Anggota Direksi Changes to the Composition of the Board
of Directors
Sepanjang tahun buku 2025, komposisi Direksi Bank Throughout the 2025 fiscal year, the composition of
mengalami perubahan sesuai keputusan Rapat Umum the Bank’s Board of Directors underwent changes in
Pemegang Saham Tahunan (RUPST) yang diselenggarakan accordance with the resolutions of the Annual General
pada tanggal 20 Juni 2025 sebagaimana telah dituangkan Meeting of Shareholders (AGMS) held on June 20, 2025,
dalam Akta Pernyataan Keputusan Rapat No. 264 tanggal as stated in the Deed of Statement of Meeting Resolutions
20 Juni 2025. Sehubungan dengan perubahan tersebut, No. 264 dated June 20, 2025. Following these changes,
susunan Direksi Bank yang menjabat saat ini adalah the current composition of the Board of Directors is as
sebagai berikut: follows:
• Direktur Utama : Oh In Taek • President Director: Oh In Taek
• Direktur : Park Jin Je • Director: Park Jin Je
• Direktur Operasional : Andreas Mikhael Sumual • Director of Operations: Andreas Mikhael Sumual
• Direktur Bisnis : Edwin Rudianto • Director of Business: Edwin Rudianto
• Direktur Kepatuhan : Alexander Frans Rori • Director of Compliance: Alexander Frans Rori
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Direksi menyampaikan apresiasi kepada Direktur terdahulu The Board of Directors expresses its sincere appreciation
yang telah menyelesaikan masa jabatannya atas dedikasi to the former Directors who have completed their terms
dan kontribusinya dalam memperkuat kinerja serta of office for their dedication and valuable contributions
penerapan GCG Bank. Dengan komposisi Direksi yang to strengthening the Bank’s performance and the
baru, Bank optimis dapat terus meningkatkan daya saing implementation of Good Corporate Governance (GCG).
dan menciptakan nilai tambah bagi seluruh pemangku With the current composition, the Bank remains optimistic
kepentingan. about further enhancing its competitiveness and creating
sustainable value for all stakeholders.
Apresiasi bagi Para Pemangku Kepentingan Appreciation for Stakeholders
Direksi menyampaikan apresiasi kepada seluruh karyawan The Board of Directors extends its appreciation to all
atas dedikasi dan profesionalisme sepanjang tahun 2025 employees for their dedication and professionalism
dalam mendukung kinerja dan pengembangan usaha throughout 2025, which have contributed significantly to
Bank. Penghargaan yang tulus juga disampaikan kepada the Bank’s performance and business development. We
Regulator atas arahan yang konstruktif, serta kepada also convey our sincere gratitude to the Regulators for their
Dewan Komisaris atas pengawasan dan nasihat strategis continuous guidance, and to the Board of Commissioners
yang memastikan pengelolaan Bank berjalan selaras for their strategic oversight and advice, ensuring that
dengan prinsip kehati-hatian dan tata kelola yang baik. the Bank’s management remains aligned with prudential
principles and sound governance.
Direksi turut mengucapkan terima kasih kepada nasabah, The Board of Directors also expresses its gratitude to
mitra usaha, dan seluruh pemangku kepentingan customers, business partners, and all stakeholders for
atas kepercayaan serta dukungan berkelanjutan yang their continued trust and support, which form a critical
menjadi landasan penting bagi keberlangsungan dan foundation for the Bank’s sustainability and growth. This
pengembangan usaha Bank. Kepercayaan tersebut trust motivates the Bank to continuously enhance service
mendorong Bank untuk terus meningkatkan kualitas quality, strengthen operational capabilities, and deliver
layanan, memperkuat kapabilitas operasional, serta innovative products and services that meet evolving
menghadirkan inovasi produk dan layanan yang relevan customer needs.
dengan kebutuhan nasabah.
Sejalan dengan komitmen tersebut, Bank akan terus In line with this commitment, the Bank will continue to
memperkuat fundamental bisnis, meningkatkan kualitas strengthen its business fundamentals, enhance governance
tata kelola, serta mendorong transformasi digital secara practices, and accelerate integrated digital transformation
terintegrasi guna mendukung pencapaian visi sebagai to support its vision of becoming a professional, innovative,
bank yang profesional, inovatif, dan terdepan di segmen and leading bank in the SME and corporate segments.
UKM dan korporasi. Dengan dukungan seluruh pemangku With the continued support of all stakeholders, the Board
kepentingan, Direksi optimis Bank dapat terus menciptakan of Directors remains confident in the Bank’s ability to
nilai tambah yang berkelanjutan bagi pemegang saham, generate sustainable value for shareholders, customers,
nasabah, dan masyarakat luas. and the broader community.
Atas nama Direksi,
On behalf of the Board of Directors,
Oh In Taek
Direktur Utama
President Director
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Dewan Komisaris memandang kinerja Bank sepanjang tahun
2025 tetap solid di tengah dinamika industri, didukung oleh
pertumbuhan intermediasi, penguatan pendanaan, dan
peningkatan layanan digital. Melalui fungsi pengawasan
yang aktif, Dewan Komisaris memastikan bahwa pencapaian
tersebut berjalan selaras dengan prinsip kehati-hatian, tata
kelola perusahaan yang baik, serta pengelolaan risiko yang
disiplin.
The Board of Commissioners views the Bank’s performance throughout 2025 as
remaining solid amid industry dynamics, supported by growth in intermediation,
strengthened funding, and the enhancement of digital services. Through its active
supervisory function, the Board of Commissioners ensures that these achievements
are aligned with prudential principles, good corporate governance, and disciplined
risk management.
Para Pemegang Saham yang terhormat,
Dear Honorable Shareholders,
Pertama-tama, kami Dewan Komisaris Bank IBK First and foremost, we, the Board of Commissioners of
Indonesia memanjatkan puji dan syukur kepada Bank IBK Indonesia, express our praise and gratitude
Tuhan Yang Maha Esa atas rahmat dan karunia-Nya to God Almighty for His grace and blessings, which
sehingga Bank dapat menutup tahun 2025 dengan have enabled the Bank to successfully conclude
baik serta tetap menjalankan kegiatan usaha secara 2025 and continue operating its business on a
berkelanjutan. sustainable basis.
Dewan Komisaris menilai bahwa capaian kinerja The Board of Commissioners acknowledges the
Bank sepanjang tahun ini merupakan hasil dari Bank’s performance achievements throughout the
sinergi solid yang terjalin antara Direksi dan Dewan year are the result of strong synergy between the
Komisaris dalam menjalankan peran dan tanggung Board of Directors and the Board of Commissioners in
jawab masing-masing. Dalam pelaksanaan fungsi performing their respective roles and responsibilities.
pengawasan, Dewan Komisaris secara konsisten In fulfilling its supervisory function, the Board of
memastikan bahwa setiap kebijakan dan langkah Commissioners consistently ensures that every
strategis yang ditempuh oleh Direksi dilaksanakan policy and strategic initiative undertaken by the
secara prudent serta selaras dengan prinsip tata Board of Directors is implemented prudently and in
kelola perusahaan yang baik (Good Corporate accordance with the principles of good corporate
Governance/”GCG”). governance (GCG).
Melalui laporan ini, Dewan Komisaris menyampaikan Through this report, the Board of Commissioners
hasil pelaksanaan tugas dan tanggung jawab presents the results of its supervisory duties and
pengawasan terhadap pengelolaan Bank IBK responsibilities over the management of Bank IBK
Indonesia untuk tahun buku yang berakhir pada Indonesia for the financial year ended December
31 Desember 2025. Dalam laporan ini, Dewan 31, 2025. This report outlines the Board of
Komisaris menyampaikan pandangan dan penilaian Commissioners’ views and assessments of the Board
terhadap kinerja Direksi dalam mengelola Bank, serta of Directors’ performance in managing the Bank, as
peran Dewan Komisaris dalam memberikan arahan, well as the Board of Commissioners’ role in providing
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Laporan Manajemen • Management Reports
nasihat, dan rekomendasi strategis guna mendukung strategic direction, advice, and recommendations to
kesinambungan kinerja dan pertumbuhan usaha Bank. support the Bank’s sustainable performance and business
growth.
Pandangan Terhadap Perkembangan Views on Global, National, and Domestic
Ekonomi Global, Nasional, dan Industri Banking Industry Developments
Perbankan Dalam Negeri
Perlambatan pertumbuhan ekonomi global masih berlanjut The global economic slowdown is expected to persist
hingga penghujung tahun 2025, dipicu oleh kombinasi through the end of 2025, driven by a combination of
meningkatnya proteksionisme perdagangan, ketidakpastian rising trade protectionism, uncertainty in monetary policies
kebijakan moneter di negara-negara maju, serta eskalasi across developed economies, and escalating geopolitical
ketegangan geopolitik di berbagai kawasan. Kondisi tersebut tensions in various regions. These conditions continue to
turut memengaruhi dinamika pasar keuangan global, yang shape global financial market dynamics, as reflected in
tercermin pada pergerakan arus modal lintas negara, cross-border capital flows, exchange rate volatility, and
volatilitas nilai tukar, serta perubahan kondisi likuiditas di shifting liquidity conditions in international markets. Amid
pasar keuangan internasional. Di tengah dinamika tersebut, these developments, the direction of global monetary
arah kebijakan moneter global menjadi salah satu faktor policy remains a key factor influencing the stability of the
penting yang memengaruhi stabilitas sistem keuangan international financial system. In particular, uncertainty
internasional. Ketidakpastian arah kebijakan suku bunga surrounding interest rate policies pursued by the Federal
yang ditempuh oleh The Federal Reserve (The Fed) di Reserve (The Fed) has contributed to heightened global
Amerika Serikat sempat meningkatkan volatilitas suku bunga interest rate volatility and influenced market expectations
global sekaligus membentuk ekspektasi pasar terhadap arah regarding the future path of monetary policy.
kebijakan moneter ke depan.
Namun demikian, seiring dengan mulai meredanya tekanan However, as inflationary pressures in several advanced
inflasi di sejumlah negara maju, kebijakan moneter global economies begin to ease, global monetary policy has
secara bertahap menunjukkan kecenderungan menuju fase gradually shown signs of normalization. This trend is
normalisasi. Perkembangan ini tercermin dari posisi Federal reflected in the Federal Funds Rate (FFR), which is
Funds Rate (FFR) yang berakhir pada kisaran 3,5%-3,75% projected to settle within the range of 3.5%–3.75% by
pada Desember 2025, menunjukkan arah kebijakan moneter December 2025, indicating a more moderate policy
yang relatif lebih moderat dibandingkan periode pengetatan stance compared to the previous tightening cycle. These
sebelumnya. Dinamika tersebut turut menjadi salah satu developments also serve as an important consideration
pertimbangan bagi otoritas moneter di berbagai negara for monetary authorities in emerging economies, including
berkembang dalam merumuskan respons kebijakan domestik, Bank Indonesia, in formulating domestic policy responses.
termasuk Bank Indonesia. Dengan mempertimbangkan Taking these factors into account, the International
perkembangan tersebut, International Monetary Fund Monetary Fund projects global economic growth in 2025
memproyeksikan pertumbuhan ekonomi global pada tahun to reach approximately 3.1% (YoY), slightly lower than the
2025 berada pada kisaran 3,1% (YoY), sedikit lebih rendah previous year’s realization.
dibandingkan realisasi tahun sebelumnya.
Di tengah meningkatnya tekanan risiko pelemahan Amid ongoing downside risks to the global economy,
(downside risks) yang masih membayangi perekonomian Indonesia continues to demonstrate strong resilience,
50 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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global, Indonesia tetap mampu menunjukkan resiliensi recording economic growth of 5.11% (YoY) in 2025,
yang cukup solid dengan mencatatkan pertumbuhan an increase from 5.03% in the prior year. Domestic
ekonomi sebesar 5,11% (YoY) selama 2025, meningkat macroeconomic stability is further reflected in a controlled
dibandingkan realisasi tahun sebelumnya sebesar inflation rate of 2.92% as of December 2025, remaining
5,03%(YoY). Stabilitas makroekonomi domestik juga within the target range set by Bank Indonesia and the
tercermin dari tingkat inflasi yang tetap terkendali dan Government. Stable inflation, supported by exchange
berada dalam kisaran sasaran yang ditetapkan oleh Bank rate stability and prudent fiscal and monetary policy
Indonesia bersama Pemerintah, yaitu sebesar 2,92% management, provides a solid foundation for maintaining
pada Desember 2025. Inflasi yang terjaga, didukung oleh national financial system stability while supporting the
stabilitas nilai tukar serta pengelolaan kebijakan fiskal dan sustainability of the banking sector’s intermediation
moneter yang prudent, memberikan fondasi yang kuat bagi function.
stabilitas sistem keuangan nasional sekaligus mendukung
keberlanjutan fungsi intermediasi sektor perbankan.
Kondisi makroekonomi yang relatif stabil tersebut turut This relatively stable macroeconomic environment has
menciptakan lanskap usaha yang kondusif bagi industri contributed to a conducive business landscape for
perbankan, termasuk Bank IBK Indonesia, dalam the banking industry, including Bank IBK Indonesia, in
menjalankan kegiatan usahanya. Menyikapi berbagai conducting its operations. In response to the evolving
tantangan maupun peluang yang terus berkembang, challenges and opportunities, the Board of Commissioners
Dewan Komisaris memberikan arahan kepada Direksi has directed the Board of Directors to further strengthen
untuk memperkuat fundamental Bank melalui penguatan the Bank’s fundamentals by enhancing risk management
manajemen risiko, pemeliharaan kecukupan permodalan, practices, maintaining adequate capital levels, and
serta peningkatan kualitas portofolio kredit guna improving the quality of the credit portfolio to achieve long-
memastikan ketahanan Bank. Di sisi lain, Dewan Komisaris term resilience. Additionally, the Board of Commissioners
juga terus mendorong Direksi untuk memanfaatkan peluang continues to encourage the Board of Directors to capitalize
pertumbuhan pada sektor-sektor produktif yang memiliki on growth opportunities in productive sectors with strong
prospek jangka panjang agar kesinambungan kinerja Bank long-term prospects, thereby supporting the Bank’s
tetap terjaga. sustainable performance and business growth.
Peran Pengawasan dalam Perumusan Supervisory Role in Strategy Formulation
dan Implementasi Strategi, serta Fokus and Implementation, and the Board of
Pengawasan Dewan Komisaris Commissioners’ Supervisory Focus
Dalam menjalankan fungsi pengawasan, Dewan Komisaris In implementing its supervisory function, the Board of
memastikan bahwa arah pengembangan Bank dirumuskan Commissioners understands that the Bank’s development
secara terukur serta diimplementasikan secara prudent direction is clearly defined, measurable, and implemented
oleh Direksi dengan tetap mengedepankan prinsip GCG. prudently by the Board of Directors, while upholding the
Peran tersebut dilaksanakan melalui keterlibatan aktif principles of good corporate governance (GCG). This
Dewan Komisaris dalam proses perumusan strategi Bank, role is reflected in the Board of Commissioners’ active
termasuk dalam pembahasan awal penyusunan Rencana involvement in the formulation of the Bank’s strategy,
Bisnis Bank (RBB) Tahun 2025 yang disusun oleh Direksi. including early-stage discussions of the 2025 Bank
Business Plan (RBB) prepared by the Board of Directors.
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Laporan Manajemen • Management Reports Dalam proses tersebut, Dewan Komisaris memberikan Throughout this process, the Board of Commissioners berbagai pandangan strategis, arahan, serta masukan provides strategic insights, guidance, and input to achieve kepada Direksi guna memastikan bahwa rencana bisnis business plan adequately reflects prevailing business yang disusun telah mempertimbangkan secara memadai dynamics, the Bank’s risk profile, and its capital capacity. dinamika bisnis, profil risiko Bank, serta kapasitas This approach is essential making that the Bank’s strategic permodalan yang dimiliki. Pendekatan ini menjadi bagian direction to be well-founded, realistic, and aligned with its penting dalam memastikan bahwa arah strategi Bank medium-term and long-term development objectives. memiliki landasan yang kuat, realistis, serta selaras dengan tujuan pengembangan usaha Bank dalam jangka menengah maupun jangka panjang. Sebagai bagian dari penerapan tata kelola yang akuntabel, As part of accountable governance practices, the 2025 Bank Rencana Bisnis Bank (RBB) Tahun 2025 yang disusun Business Plan (RBB) prepared by the Board of Directors oleh Direksi terlebih dahulu dibahas bersama Dewan is first discussed with the Board of Commissioners prior to Komisaris sebelum disampaikan kepada regulator. Melalui its submission to regulators. Through this review process, proses pembahasan tersebut, Dewan Komisaris menelaah the Board of Commissioners evaluates key business berbagai asumsi bisnis, proyeksi kinerja, serta arah strategi assumptions, performance projections, and the proposed yang akan dijalankan oleh Direksi guna memastikan bahwa strategic direction to ensure that the business plan and its rencana bisnis dan target kinerja yang ditetapkan realistis, targets are realistic, aligned with the Bank’s capacity, and selaras dengan kapasitas Bank, serta tetap berada dalam remain within a prudent risk management framework. koridor manajemen risiko yang prudent. Selain terlibat dalam pengawasan proses perumusan In addition to overseeing the formulation of the Bank’s strategi bisnis Bank, Dewan Komisaris juga secara business strategy, the Board of Commissioners continuously berkelanjutan memantau pencapaian target kinerja yang monitors the achievement of performance targets set out in telah ditetapkan dalam RBB Tahun 2025 melalui berbagai the 2025 Business Plan (RBB) through various oversight forum pengawasan, antara lain rapat bersama Direksi forums, including meetings with the Board of Directors serta pembahasan melalui komite-komite di bawah Dewan and discussions with committees under its supervision. Komisaris. Melalui mekanisme tersebut, Dewan Komisaris Through these mechanisms, the Board of Commissioners memastikan bahwa setiap kebijakan dan langkah strategis guarantee that all policies and strategic initiatives remain yang dijalankan tetap selaras dengan visi dan misi Bank. aligned with the Bank’s vision and mission. Pada tahun 2025, strategi Bank difokuskan pada 4 (empat) In 2025, the Bank’s strategy is anchored on four key pillars: pilar utama, yaitu pertumbuhan berkelanjutan, transformasi sustainable growth, digital transformation, strengthening digital, peningkatan kesehatan Bank, serta penguatan the Bank’s overall health, and enhancing internal systems. sistem internal. Dewan Komisaris sepenuhnya mendukung The Board of Commissioners fully supports this strategic arah strategi tersebut serta memberikan berbagai direction and provides input to reinforce its execution, masukan strategis kepada Direksi untuk memperkuat including through the effective management of interest implementasinya, antara lain melalui pengelolaan fluktuasi rate fluctuations, diversification of the business portfolio, suku bunga secara optimal, diversifikasi portofolio acceleration of banking service digitalization, and bisnis, percepatan digitalisasi layanan perbankan, serta enhancement of customer service quality. peningkatan kualitas layanan kepada nasabah. Sejalan dengan arah strategi tersebut, Dewan Komisaris In line with this direction, the Board of Commissioners also memberikan dukungan penuh terhadap berbagai inisiatif supports various strategic initiatives undertaken by the strategis yang dijalankan oleh Direksi. Dalam rangka Board of Directors. To achieve effective implementation memastikan implementasi strategi berjalan secara efektif in accordance with prudential principles, the Board of serta selaras dengan prinsip kehati-hatian, Dewan Komisaris Commissioners focuses its oversight on several critical memfokuskan pelaksanaan fungsi pengawasannya areas, including the expansion of SME lending, particularly pada sejumlah aspek strategis yang dinilai krusial bagi at the branch level; the development of digital service keberlanjutan kinerja Bank, antara lain peningkatan kredit products and the digitization of credit processes; the SME khususnya di cabang-cabang, produk layanan digital maintenance of credit quality and adequacy of allowance dan digitalisasi proses kredit, kualitas kredit dan kecukupan for impairment losses (CKPN); and the strengthening of CKPN serta budaya risiko dan kontrol. risk and control culture. 52 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Secara keseluruhan, Dewan Komisaris menilai bahwa Overall, the Board of Commissioners assesses that the
implementasi strategi yang dijalankan oleh Direksi implementation of strategy by the Board of Directors
sepanjang tahun 2025 telah berjalan efektif dalam menjaga throughout 2025 has been effective in maintaining
stabilitas kinerja serta memperkuat daya saing Bank. performance stability and enhancing the Bank’s
Dengan landasan tata kelola yang kuat dan strategi yang competitiveness. Supported by a strong governance
responsif terhadap dinamika industri, Bank memiliki posisi foundation and a strategy that is responsive to industry
yang semakin solid untuk melanjutkan pertumbuhan usaha dynamics, the Bank is well-positioned to sustain its
secara berkelanjutan. business growth going forward.
Penilaian Terhadap Kinerja Direksi dan Board of Directors’ Performance
Dasar Penilaiannya Assessment and Basis for Assessment
Dewan Komisaris secara berkala melakukan pengawasan The Board of Commissioners regularly monitors the
terhadap kinerja Direksi dalam merealisasikan target RBB performance of the Board of Directors in achieving the
tahun 2025 yang telah ditetapkan dan disampaikan kepada targets set out in the 2025 Business Plan (RBB), which has
regulator. Dengan mengacu pada tolok ukur penilaian been submitted to regulators. Based on these benchmarks,
tersebut, Dewan Komisaris memandang bahwa Direksi telah the Board of Commissioners believes that the Board of
menunjukkan upaya yang optimal dalam menjaga kinerja Directors has demonstrated strong and consistent efforts in
Bank tetap terjaga serta memastikan pengelolaan bisnis maintaining the Bank’s performance and ensuring prudent
Bank berjalan secara prudent di tengah dinamika industri business management amid the challenging dynamics of
perbankan yang penuh tantangan sepanjang tahun 2025. the banking industry throughout 2025.
Melalui penerapan strategi bisnis yang adaptif dan responsif Through the implementation of an adaptive and responsive
terhadap perkembangan lanskap industri, Bank IBK business strategy aligned with evolving industry conditions,
Indonesia mampu mempertahankan kinerja yang positif. Bank IBK Indonesia has maintained positive performance.
Pada tahun 2025, Bank membukukan laba bersih sebesar In 2025, the Bank recorded a net profit of IDR 197 billion,
Rp197 miliar, sementara pendapatan bunga bersih atau while net interest income (NII) reached IDR 569 billion,
Net Interest Income (NII) tercatat sebesar Rp569 miliar, resulting in a Net Interest Margin (NIM) of 2.85%. These
sehingga rasio Net Interest Margin (NIM) Bank berada pada results reflect the Board of Directors’ ability to balance
level 2,85%. Pencapaian ini mencerminkan upaya Direksi business growth with prudent risk management.
dalam menjaga keseimbangan antara pertumbuhan bisnis
dan pengelolaan risiko secara hati-hati.
Dari sisi penyaluran kredit, Dewan Komisaris mengapresiasi In terms of lending, the Board of Commissioners
upaya Direksi dalam menjaga kualitas portofolio kredit Bank commends the Board of Directors for maintaining the
seiring dengan pertumbuhan kredit sebesar 23,6% (yoy) pada quality of the Bank’s credit portfolio alongside credit growth
tahun 2025. Pertumbuhan tersebut diikuti dengan perbaikan of 23.6% (YoY) in 2025. This growth was accompanied
kualitas aset yang tercermin dari rasio Non-Performing Loan by improvements in asset quality, as reflected in a gross
(NPL) bruto sebesar 1,92%, serta penurunan rasio Loan at Non-Performing Loan (NPL) ratio of 1.92% and a decline
Risk (LAR) menjadi 5,76% pada akhir tahun 2025. Dewan in the Loan at Risk (LAR) ratio to 5.76% by year-end.
Komisaris menilai bahwa penerapan strategi manajemen The Board of Commissioners assesses that the consistent
risiko kredit yang dilakukan Direksi secara konsisten telah implementation of sound credit risk management strategies
memberikan dampak positif dalam menjaga kualitas aset has contributed positively to preserving asset quality and
Bank serta memitigasi potensi risiko kredit. mitigating potential risks.
Pada sisi pendanaan, Dewan Komisaris juga mencermati On the funding side, the Board of Commissioners also
pencapaian positif yang ditunjukkan melalui peningkatan acknowledges the positive achievement in strengthening
struktur dana murah (CASA) mencapai 24,72% pada akhir the Bank’s funding structure, as reflected in the increase
tahun 2025. Simpanan nasabah tercatat tumbuh sebesar in the low-cost funds (CASA) ratio to 24.72% by the
26,65%. Hal ini mencerminkan keberhasilan strategi Direksi end of 2025. Customer deposits grew by 26.65%. This
dalam memperkuat struktur pendanaan Bank sekaligus demonstrates the effectiveness of the Board of Directors’
menjaga efisiensi biaya dana. strategy in enhancing funding quality while maintaining
cost efficiency.
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Laporan Manajemen • Management Reports Dari aspek permodalan, Dewan Komisaris juga menyambut From a capital perspective, the Board of Commissioners baik kemampuan Direksi dalam mempertahankan further commends the Board of Directors for maintaining struktur permodalan yang kuat sehingga rasio Kewajiban a strong capital position, with a Capital Adequacy Ratio Penyediaan Modal Minimum (KPMM) tercatat sebesar (CAR) of 34.86% as of December 2025. This level of 34,86% pada akhir Desember 2025. Tingkat permodalan capital provides sufficient capacity to support sustainable tersebut memberikan ruang yang memadai bagi Bank business expansion while maintaining resilience against untuk mendukung ekspansi bisnis secara sehat sekaligus economic and industry uncertainties. menjaga ketahanan Bank dalam menghadapi dinamika ekonomi dan industri perbankan. Selain menaruh fokus pada pencapaian kinerja keuangan, In addition to financial performance, the Board of Dewan Komisaris juga memberikan apresiasi terhadap Commissioners also appreciates the Board of Directors’ berbagai inisiatif non-keuangan yang dijalankan oleh commitment to non-financial initiatives, particularly in Direksi, khususnya dalam memperkuat penerapan strengthening risk management, ensuring compliance with manajemen risiko, kepatuhan terhadap ketentuan regulator, regulatory requirements, and consistently implementing serta penerapan prinsip GCG secara konsisten. Komitmen GCG principles. Efforts to enhance customer service Bank dalam meningkatkan kualitas layanan kepada quality and reinforce internal control systems are also nasabah serta memperkuat sistem pengendalian internal considered vital in supporting the Bank’s long-term juga menjadi bagian penting dalam menjaga keberlanjutan operational sustainability. operasional Bank. Dengan mempertimbangkan berbagai capaian tersebut, Taking these achievements into account, the Board of Dewan Komisaris menilai bahwa Direksi telah mengelola Commissioners concludes that the Board of Directors has Bank secara efektif dan bertanggung jawab sepanjang managed the Bank effectively and responsibly throughout tahun 2025. Kendati begitu, Dewan Komisaris tetap 2025. Nevertheless, the Board of Commissioners mendorong Direksi untuk terus memperkuat evaluasi dan continues to encourage the Board of Directors to further implementasi strategi bisnis agar setiap langkah yang strengthen the evaluation and execution of business diambil mampu memberikan nilai tambah bagi pertumbuhan strategies, ensuring that each initiative contributes added usaha Bank serta mendukung pencapaian target RBB value to the Bank’s growth and supports the sustainable secara berkelanjutan. achievement of its Business Plan (RBB) targets. Pandangan terhadap Prospek Usaha Views on Business Prospects Prepared yang Disusun oleh Direksi dan Dasar by the Board of Directors and Their Pertimbangannya Considerations Dewan Komisaris memandang bahwa prospek usaha The Board of Commissioners believes that the future industri perbankan ke depan masih dipengaruhi oleh prospects of the banking industry will continue to be shaped berbagai dinamika yang bersumber dari perkembangan by evolving global and domestic economic dynamics. ekonomi global maupun domestik. Pada tahun 2026, In 2026, the global economy is expected to remain in a perekonomian global diperkirakan tetap berada dalam fase moderation phase, as monetary policy normalization moderasi seiring dengan berlanjutnya proses normalisasi continues across several advanced economies, alongside kebijakan moneter di sejumlah negara maju, disertai persistent geopolitical uncertainty and increasing ketidakpastian geopolitik dan fragmentasi perdagangan fragmentation in global trade. These conditions may affect global yang terus berlangsung. Kondisi tersebut capital flow dynamics, exchange rate stability, and liquidity berpotensi memengaruhi dinamika arus modal, volatilitas in international financial markets, which in turn could nilai tukar, serta mengganggu likuiditas di pasar keuangan influence the stability and performance of the banking internasional yang pada akhirnya turut memberikan industry. implikasi terhadap stabilitas dan kinerja industri perbankan. 54 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Manajemen • Management Reports Di tengah dinamika global tersebut, perekonomian Amid these global developments, Indonesia’s economy Indonesia diproyeksikan tetap menunjukkan kinerja yang is projected to remain relatively resilient, with economic relatif stabil dengan target pertumbuhan ekonomi berada growth expected to reach 5.1%–5.2% (YoY) in 2026. pada kisaran 5,1%-5,2% (YoY) pada tahun 2026. Prospek This stable macroeconomic outlook is expected to provide makroekonomi domestik yang tetap terjaga tersebut diyakini room for the banking industry to continue performing its akan memberikan ruang bagi industri perbankan untuk terus intermediation function effectively, particularly in supporting menjalankan fungsi intermediasi secara optimal, khususnya investment activities, domestic consumption, and the melalui dukungan pembiayaan terhadap kegiatan investasi, development of productive sectors. konsumsi domestik, serta pengembangan sektor-sektor produktif. Dengan mempertimbangkan prospek makroekonomi Taking into account the macroeconomic outlook and serta perkembangan industri perbankan ke depan, Dewan anticipated industry developments, the Board of Komisaris menilai bahwa RBB Tahun 2026 yang disusun Commissioners assesses that the 2026 Business Plan oleh Direksi telah dirumuskan secara realistis dengan (RBB) prepared by the Board of Directors has been memperhatikan dinamika ekonomi dan kondisi industri formulated on a realistic basis, reflecting both economic perbankan nasional. Dewan Komisaris juga mendukung conditions and the outlook of the national banking industry. arah strategis Bank pada tahun 2026 yang difokuskan The Board of Commissioners also supports the Bank’s pada penguatan fundamental bisnis, antara lain melalui strategic direction for 2026, which focuses on strengthening pertumbuhan berkelanjutan untuk menjadi Bank yang business fundamentals through sustainable growth toward Kuat, transformasi digital untuk stabilitas internal, becoming a Strong Bank, advancing digital transformation penguatan proses kredit dan manajemen yang sehat dan to enhance internal stability, reinforcing sound credit and penyempurnaan sistem internal untuk pengembangan management processes, and refining internal systems to yang stabil. support stable and sustainable development. Melalui implementasi strategi bisnis yang terarah dan Through the implementation of a well-targeted business mengedepankan prinsip kehati-hatian, Dewan Komisaris strategy that upholds prudential principles, the Board of meyakini bahwa target yang ditetapkan dalam RBB Tahun Commissioners understands that the targets set in the 2026 dapat dicapai secara terukur dan berkelanjutan. Untuk 2026 Business Plan can be achieved in a measurable mendukung pencapaian tersebut, Dewan Komisaris akan and sustainable manner. To support this, the Board terus menjalankan fungsi pengawasan secara aktif melalui of Commissioners will continue to actively perform its pemberian arahan dan nasihat strategis kepada Direksi guna supervisory role by providing strategic direction and memastikan bahwa implementasi strategi berjalan secara advice to the Board of Directors, ensuring that strategy efektif, selaras dengan prinsip tata kelola perusahaan yang execution remains effective, aligned with good corporate baik, serta mampu memberikan nilai tambah yang optimal governance (GCG) principles, and delivers optimal value bagi seluruh pemangku kepentingan Bank. to all stakeholders. Pandangan Dewan Komisaris terhadap Board of Commissioners’ Views on Human Pengelolaan Sumber Daya Manusia dan Resource and Information Technology (IT) Teknologi Informasi (TI) Management Dewan Komisaris memandang bahwa Sumber Daya The Board of Commissioners recognizes Human Resources Manusia (SDM) merupakan salah satu faktor kunci yang (HR) as a critical factor in determining the Bank’s success in menentukan keberhasilan Bank dalam menjalankan strategi executing its business strategy and maintaining operational bisnis serta menjaga keberlanjutan operasional di tengah sustainability amid the evolving dynamics of the banking dinamika industri perbankan yang terus berkembang. Oleh industry. Accordingly, the Board of Commissioners fully karena itu, Dewan Komisaris sepenuhnya mendukung supports the HR management policies implemented by the kebijakan pengelolaan SDM yang diterapkan oleh Direksi Board of Directors and appreciates the strategic priorities serta mengapresiasi berbagai prioritas strategis yang established to strengthen organizational capabilities. telah dirumuskan dalam rangka memperkuat kapabilitas organisasi. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 55
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Laporan Manajemen • Management Reports Sebagai bagian dari pelaksanaan fungsi pengawasan, As part of its supervisory function, the Board of Dewan Komisaris secara aktif memantau efektivitas berbagai Commissioners actively monitors the effectiveness program pengembangan kompetensi karyawan, termasuk of employee competency development programs, peningkatan kapasitas di bidang teknologi informasi, including capacity building in information technology komunikasi, serta penguatan kepemimpinan. Dewan and communications, as well as leadership development Komisaris menilai bahwa berbagai inisiatif pengembangan initiatives. The Board of Commissioners assesses that SDM yang dijalankan Direksi telah memberikan kontribusi these HR development efforts have contributed positively positif dalam membangun talenta-talenta yang adaptif, to building a adaptive, competitive, and well-integrated berdaya saing, dan memiliki integritas tinggi guna mendukung workforce, thereby supporting the Bank’s accelerated akselerasi pertumbuhan bisnis Bank. business growth. Selain aspek SDM, Dewan Komisaris juga memberikan In addition to HR, the Board of Commissioners places strong perhatian terhadap penguatan kapabilitas Teknologi emphasis on the enhancement of Information Technology Informasi (TI) sebagai salah satu fondasi penting dalam (IT) capabilities as a critical foundation for maintaining menjaga ketahanan operasional serta meningkatkan operational resilience and improving service quality. The kualitas layanan perbankan. Dewan Komisaris memantau Board of Commissioners oversees the implementation implementasi tata kelola TI yang diterapkan oleh Direksi of IT governance by the Board of Directors to get the guna memastikan keandalan infrastruktur teknologi yang reliability of technology infrastructure, in alignment with the terintegrasi dengan kerangka manajemen risiko Bank. Bank’s risk management framework. In terms of operational Dalam hal kesinambungan operasional, Dewan Komisaris continuity, the Board of Commissioners appreciates the mengapresiasi penerapan Business Continuity Plan structured implementation of the Business Continuity (BCP) dan Disaster Recovery Plan (DRP) yang dirancang Plan (BCP) and Disaster Recovery Plan (DRP), which secara terstruktur sehingga Bank memiliki kesiapan yang demonstrate the Bank’s readiness to respond effectively to matang dalam menghadapi potensi gangguan operasional potential operational disruptions and external events. maupun kejadian eksternal. Seiring meningkatnya pemanfaatan teknologi digital di Amid the increasing adoption of digital technology in the industri perbankan, Dewan Komisaris juga memantau banking industry, the Board of Commissioners also closely penguatan pengelolaan risiko siber serta keamanan monitors the strengthening of cyber risk management and informasi Bank. Dewan Komisaris menilai bahwa berbagai information security. The Board of Commissioners notes inisiatif yang dilakukan oleh Direksi, antara lain melalui that initiatives undertaken by the Board of Directors—such peningkatan pengendalian sistem, pemantauan aktivitas as enhancing system controls, conducting continuous TI secara berkelanjutan, serta penguatan infrastruktur monitoring of IT activities, and strengthening security keamanan, telah mendukung perlindungan terhadap infrastructure—have contributed to safeguarding system integritas sistem dan data nasabah. integrity and protecting customer data. Pandangan atas Penerapan Tata Kelola Views on the Implementation of Good Perusahaan yang Baik Corporate Governance Dewan Komisaris memandang bahwa penerapan The Board of Commissioners considers the implementation tata kelola perusahaan yang baik (Good Corporate of good corporate governance (GCG) to be a fundamental Governance/“GCG”) merupakan salah satu pilar utama pillar in ensuring sound, transparent, and accountable dalam memastikan pengelolaan Bank yang sehat, management of the Bank. Accordingly, the application of transparan, dan akuntabel. Oleh karena itu, penerapan GCG principles not only supports business continuity but prinsip-prinsip GCG tidak hanya menjadi landasan dalam also plays a vital role in strengthening stakeholder trust menjaga keberlangsungan usaha Bank, tetapi juga berperan in the integrity and credibility of the Bank’s management. penting dalam memperkuat kepercayaan para pemangku In this regard, the Board of Commissioners consistently kepentingan terhadap integritas dan kredibilitas pengelolaan prioritizes the strengthening of corporate governance Bank. Sejalan dengan hal tersebut, Dewan Komisaris secara within its oversight of the Board of Directors. konsisten menempatkan penguatan tata kelola perusahaan sebagai salah satu fokus utama dalam pelaksanaan fungsi pengawasan terhadap pengelolaan Bank oleh Direksi. 56 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Manajemen • Management Reports Dalam menjalankan fungsi pengawasan tersebut, Dewan In performing its supervisory role, the Board of Komisaris memastikan bahwa seluruh kebijakan dan aktivitas Commissioners acknowledges that all policies and business usaha Bank dilaksanakan dengan mengedepankan prinsip activities are conducted in accordance with prudential kehati-hatian, kepatuhan terhadap ketentuan peraturan principles, applicable laws and regulations, and governance perundang-undangan, serta penerapan praktik tata kelola practices aligned with banking industry standards and best yang sejalan dengan standar dan praktik terbaik di industri practices. The Board of Commissioners also oversees perbankan. Dewan Komisaris juga memantau implementasi the implementation of regulatory compliance programs, berbagai program kepatuhan yang diwajibkan oleh including Anti-Money Laundering and Counter-Terrorism regulator, antara lain penerapan program Anti Pencucian Financing (AML-CFT) and the Prevention and Handling Uang dan Pencegahan Pendanaan Terorisme (APU-PPT) of Suspicious Financial Transactions (PPSPM), so that all serta Pencegahan dan Penanganan Skema Pendanaan business activities are conducted in full compliance with Mencurigakan (PPSPM), guna memastikan bahwa seluruh prevailing regulations. aktivitas usaha Bank dijalankan sesuai dengan ketentuan peraturan perundang-undangan yang berlaku. Sejalan dengan upaya penguatan kepatuhan tersebut, In line with these efforts, the Board of Commissioners also Dewan Komisaris juga memberikan perhatian terhadap places emphasis on the implementation of governance penerapan prinsip tata kelola dalam aspek perlindungan principles in customer protection and operational integrity. nasabah dan integritas operasional Bank. Dalam hal ini, This includes monitoring initiatives related to consumer Dewan Komisaris memantau pelaksanaan pelindungan protection, the enhancement of financial literacy and konsumen, peningkatan literasi dan inklusi keuangan, inclusion, and the strengthening of internal control systems, serta penguatan sistem pengendalian internal, termasuk including anti-fraud measures and the integrity of financial penerapan strategi anti-fraud dan pemeliharaan integritas reporting. These elements are essential in maintaining the pelaporan keuangan Bank. Berbagai aspek tersebut menjadi Bank’s transparency, accountability, and credibility in the bagian penting dalam menjaga transparansi, akuntabilitas, eyes of stakeholders. serta kredibilitas Bank di mata para pemangku kepentingan. Dalam mengevaluasi kinerja Direksi, Dewan Komisaris In assessing the performance of the Board of Directors, turut mempertimbangkan sejumlah indikator fundamental the Board of Commissioners also takes into account yang mencerminkan kualitas tata kelola Bank, antara key indicators reflecting the quality of governance, lain kecukupan permodalan, tingkat rentabilitas, including capital adequacy, profitability, risk profile, and profil risiko, serta efektivitas penerapan prinsip GCG the effectiveness of GCG implementation in managing dalam pengelolaan kegiatan usaha. Berdasarkan hasil business activities. Based on its supervision throughout pengawasan sepanjang tahun 2025, Dewan Komisaris 2025, the Board of Commissioners concludes that the menilai bahwa Direksi telah menunjukkan komitmen yang Board of Directors has demonstrated a strong commitment kuat dalam menerapkan prinsip-prinsip GCG secara to consistently implementing GCG principles. This is konsisten sebagaimana tercermin dari hasil penilaian reflected in the self-assessment of GCG implementation mandiri (self-assessment) penerapan GCG Semester II for Semester II 2025, which received a “Good” rating, Tahun 2025 yang memperoleh predikat “Baik”. Capaian indicating that the Bank’s governance practices are tersebut menunjukkan bahwa praktik tata kelola Bank telah effective and aligned with regulatory requirements and berjalan efektif serta sejalan dengan ketentuan regulator industry best practices. dan praktik terbaik di industri perbankan. Secara keseluruhan, Dewan Komisaris menilai bahwa Overall, the Board of Commissioners assesses that the implementasi GCG di Bank didukung oleh kecukupan Bank’s GCG implementation is supported by an adequate struktur tata kelola (governance structure) serta efektivitas governance structure and effective processes across the proses tata kelola (governance process) di seluruh organization. Nevertheless, the Board of Commissioners organisasi. Meskipun demikian, Dewan Komisaris tetap continues to encourage the Board of Directors to further mendorong Direksi untuk terus melakukan penyempurnaan enhance policies and governance infrastructure in line with secara berkelanjutan, baik pada aspek kebijakan maupun regulatory developments, thereby strengthening the quality infrastruktur tata kelola, agar tetap selaras dengan of GCG implementation to support the Bank’s performance perkembangan regulasi serta semakin memperkuat kualitas and sustain customer trust. penerapan GCG dalam mendukung kinerja Bank dan menjaga kepercayaan nasabah. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 57
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Laporan Manajemen • Management Reports Pandangan Terhadap Implementasi Views on the Implementation of Risk Manajemen Risiko dan Pengendalian Management and Internal Control Internal Dewan Komisaris menempatkan efektivitas penerapan The Board of Commissioners places the effectiveness manajemen risiko dan sistem pengendalian internal of the implementation of risk management and internal sebagai salah satu fokus utama dalam pelaksanaan fungsi control systems as a primary focus in the oversight function pengawasan terhadap pengelolaan Bank oleh Direksi. of the Bank’s management by the Board of Directors. Dalam menjalankan peran tersebut, Dewan Komisaris In executing this role, the Board of Commissioners, yang didukung oleh Komite Audit dan Komite Pemantau supported by the Audit Committee and the Risk Monitoring Risiko secara berkala menelaah kebijakan, implementasi, Committee, periodically reviews policies, implementation, serta perkembangan profil risiko Bank melalui rapat and developments in the Bank’s risk profile through Board Dewan Komisaris, rapat komite, serta pembahasan of Commissioners meetings, committee meetings, and berkala dengan Direksi. regular discussions with the Board of Directors. Berdasarkan hasil pengawasan sepanjang tahun 2025, Based on the results of its oversight throughout 2025, Dewan Komisaris mengapresiasi langkah Direksi dalam the Board of Commissioners commends the Board of mengelola risiko Bank secara terintegrasi melalui penerapan Directors’ efforts to manage the Bank’s risks in an integrated kerangka Enterprise Risk Management (ERM) yang manner through the implementation of an Enterprise Risk mencakup proses identifikasi, pengukuran, pemantauan, Management (ERM) framework, which encompasses the dan pengendalian berbagai risiko utama Bank. Dewan identification, measurement, monitoring, and control of Komisaris juga menilai bahwa kesiapan manajemen risiko the Bank’s various key risks. The Board of Commissioners Bank telah didukung oleh perangkat pemantauan yang also assesses that the Bank’s risk management readiness memadai, antara lain Risk Control Self Assessment is supported by adequate monitoring tools, including the (RCSA), Key Risk Indicator (KRI), pemantauan loss Risk Control Self Assessment (RCSA), Key Risk Indicators event, serta pelaksanaan stress testing guna memastikan (KRI), loss event monitoring, and stress testing to ensure ketahanan permodalan dan likuiditas Bank. the Bank’s capital and liquidity resilience. Dewan Komisaris menyambut baik konsistensi Direksi The Board of Commissioners welcomes the Board of dalam mengevaluasi risk appetite dan risk tolerance Bank Directors’ consistency in evaluating the Bank’s risk appetite melalui penetapan limit risiko internal serta pemantauan and risk tolerance through the establishment of internal risk portofolio kredit dan indikator risiko lainnya secara berkala. limits and regular monitoring of the credit portfolio and other Pendekatan tersebut memastikan pengelolaan risiko risk indicators. This approach complies with the Bank’s Bank tetap berada dalam batas yang telah ditetapkan, risk management to remains within established limits, as sebagaimana tercermin dari hasil penilaian profil risiko reflected in the results of the risk profile assessment for Semester II Tahun 2025 yang berada pada Peringkat Semester II 2025, which achieved a Composite Rating of Komposit 2 dengan kategori “Low to Moderate”, yang 2, in the “Low to Moderate” category, indicating that the menunjukkan bahwa tingkat risiko Bank berada dalam Bank’s risk level is under control. kondisi yang terkendali. Sejalan dengan pengelolaan risiko tersebut, Dewan In line with this risk management, the Board of Komisaris juga menilai bahwa Bank telah menerapkan Commissioners also assesses that the Bank has Sistem Pengendalian Internal (SPI) yang efektif dan selaras implemented an effective Internal Control System (SPI) dengan ketentuan regulator serta praktik terbaik di industri aligned with regulatory requirements and best practices in perbankan. Implementasi pengendalian internal didukung the banking industry. The implementation of internal control oleh lingkungan pengendalian yang kuat, penerapan is supported by a robust control environment, disciplined kebijakan dan prosedur operasional yang disiplin, serta implementation of operational policies and procedures, mekanisme pemantauan dan pelaporan yang memadai and adequate monitoring and reporting mechanisms to guna menjaga integritas proses operasional Bank. maintain the integrity of the Bank’s operational processes. 58 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Manajemen • Management Reports
Berdasarkan hasil pengawasan yang dilakukan sepanjang Based on the results of its oversight throughout 2025,
tahun 2025, Dewan Komisaris mengapresiasi komitmen the Board of Commissioners commends the commitment
Direksi dan seluruh jajaran manajemen dalam menjaga of the Board of Directors and all levels of management
efektivitas pengelolaan risiko dan sistem pengendalian to maintaining the effectiveness of risk management and
internal. Dewan Komisaris akan terus menjalankan fungsi internal control systems. The Board of Commissioners will
pengawasan secara aktif melalui pemberian arahan continue to actively conduct its supervisory function by
dan nasihat strategis kepada Direksi guna memastikan providing strategic direction and advice to the Board of
penerapan manajemen risiko dan pengendalian internal Directors to assure the implementation of risk management
tetap berjalan secara optimal selaras dengan prinsip and internal control continues to operate effectively in
tata kelola perbankan yang baik, serta mampu menjaga line with the principles of good banking governance,
stabilitas dan ketahanan operasional Bank. and maintains the stability and resilience of the Bank’s
operations.
Pandangan terhadap Implementasi Praktik Views on the Implementation of
Keuangan Berkelanjutan Sustainable Financial Practices
Dewan Komisaris memandang bahwa penerapan praktik The Board of Commissioners views the implementation of
keuangan berkelanjutan merupakan langkah strategis bagi sustainable finance practices as a strategic step in ensuring
Perseroan dalam memastikan keberlanjutan usaha sekaligus the Bank’s long-term sustainability while contributing
memberikan kontribusi positif terhadap pembangunan to inclusive and responsible economic development.
ekonomi yang inklusif dan bertanggung jawab. Dalam In carrying out its supervisory function, the Board of
menjalankan fungsi pengawasan, Dewan Komisaris secara Commissioners continuously monitors the sustainability
berkelanjutan memantau implementasi strategi keberlanjutan strategy implemented by the Board of Directors to achieve
yang dijalankan oleh Direksi agar selaras dengan prinsip tata alignment with good governance principles and the
kelola yang baik serta memperhatikan aspek lingkungan, integration of environmental, social, and governance (ESG)
sosial, dan tata kelola (ESG). considerations.
Dewan Komisaris menilai bahwa sepanjang tahun 2025, The Board of Commissioners notes that throughout
Direksi telah menunjukkan komitmen yang positif dalam 2025, the Board of Directors has demonstrated a strong
mengintegrasikan prinsip keberlanjutan ke dalam kegiatan commitment to integrating sustainability principles into the
operasional Perseroan. Upaya tersebut tercermin melalui Bank’s operations. This is reflected in the growth of the
peningkatan portofolio pembiayaan berkelanjutan, sustainable financing portfolio, particularly through lending
khususnya melalui penyaluran kredit kepada sektor to the MSME sector and to business activities that support
UMKM serta pembiayaan kepada sektor usaha yang waste management and resource efficiency. These efforts
mendukung pengelolaan limbah dan efisiensi sumber highlight the Bank’s active role in promoting inclusive
daya. Langkah ini menunjukkan peran aktif Perseroan economic growth while supporting the transition toward a
dalam mendorong pertumbuhan ekonomi yang lebih more sustainable economy.
inklusif sekaligus mendukung transisi menuju ekonomi
yang lebih berkelanjutan.
Selain dari aspek pembiayaan, Dewan Komisaris Beyond financing, the Board of Commissioners also
juga mencermati berbagai inisiatif yang dilakukan reviews various initiatives undertaken to enhance
Perseroan dalam meningkatkan efisiensi operasional dan operational efficiency and reduce the environmental
mengurangi dampak lingkungan dari kegiatan usaha. impact of the Bank’s activities. Efforts to reduce the use of
Upaya pengurangan penggunaan listrik, kertas, serta electricity, paper, and fuel in daily operations indicate that
bahan bakar dalam operasional Perseroan menjadi sustainability principles are being embedded not only in the
indikator penting bahwa implementasi keberlanjutan tidak Bank’s business portfolio but also in its internal practices.
hanya diterapkan pada portofolio bisnis, tetapi juga pada
praktik operasional internal.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 59
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Laporan Manajemen • Management Reports Meskipun demikian, Dewan Komisaris menyadari bahwa Nevertheless, the Board of Commissioners acknowledges implementasi praktik keuangan berkelanjutan masih that the implementation of sustainable finance still faces menghadapi sejumlah tantangan, antara lain perlunya several challenges, including the need to strengthen peningkatan kesadaran internal mengenai prinsip internal awareness of sustainability principles and to keberlanjutan serta penguatan dukungan infrastruktur enhance supporting information system infrastructure sistem informasi untuk mendukung pengelolaan portofolio for more effective green portfolio management. hijau secara lebih optimal. Oleh karena itu, Dewan Komisaris Accordingly, the Board of Commissioners encourages mendorong Direksi untuk terus memperkuat kapasitas the Board of Directors to continue building organizational organisasi melalui peningkatan kompetensi sumber capacity through the development of human capital, the daya manusia, pengembangan sistem pendukung, serta enhancement of supporting systems, and the integration of integrasi prinsip keberlanjutan dalam proses manajemen sustainability principles into risk management and business risiko dan pengambilan keputusan bisnis. decision-making processes. Ke depan, Dewan Komisaris memandang bahwa peluang Looking ahead, the Board of Commissioners understands untuk memperkuat implementasi keuangan berkelanjutan that opportunities to further strengthen sustainable finance masih terbuka luas, khususnya melalui pengembangan practices remain substantial, particularly through the produk pembiayaan hijau, peningkatan digitalisasi development of green financing products, the acceleration operasional, serta penerapan sistem pelaporan yang lebih of operational digitalization, and the implementation of more terintegrasi. Dengan dukungan strategi yang tepat dan integrated reporting systems. With well-defined strategies komitmen seluruh jajaran manajemen, Dewan Komisaris and strong commitment across all levels of management, meyakini bahwa Perseroan dapat semakin meningkatkan the Board of Commissioners is confident that the Bank can kontribusinya dalam mendukung pembangunan further enhance its contribution to sustainable development berkelanjutan sekaligus menciptakan nilai jangka panjang while creating long-term value for stakeholders. bagi para pemangku kepentingan. Dewan Komisaris akan terus menjalankan fungsi The Board of Commissioners will continue to actively pengawasan secara aktif guna memastikan bahwa exercise its supervisory role to ensure that the implementation implementasi strategi keberlanjutan Perseroan of the Bank’s sustainability strategy remains consistent, berjalan secara konsisten, terukur, dan selaras dengan measurable, and aligned with regulatory developments and perkembangan regulasi serta praktik terbaik di industri industry best practices. perbankan. Frekuensi dan Cara Pemberian Nasihat Frequency and Methods of Providing kepada Direksi Advice to the Board of Directors Dalam menjalankan fungsi pengawasan, Dewan Komisaris In performing its supervisory function, the Board of secara aktif memberikan arahan, nasihat, dan rekomendasi Commissioners actively provides direction, advice, and strategis kepada Direksi guna memastikan pengelolaan strategic recommendations to the Board of Directors so Bank berjalan secara prudent serta selaras dengan strategi that the Bank is managed prudently and in alignment with yang telah ditetapkan. Sepanjang tahun 2025, Dewan its established strategies. Throughout 2025, the Board Komisaris menyelenggarakan 12 kali rapat internal Dewan of Commissioners convened 12 internal meetings and Komisaris dan 5 kali rapat gabungan dengan Direksi yang 5 joint meetings with the Board of Directors, conducted dilaksanakan secara luring maupun daring sesuai dengan both offline and online, depending on the nature of the kebutuhan pembahasan dan efektivitas koordinasi. discussions and coordination needs. Melalui berbagai forum rapat koordinasi tersebut, Dewan Through these forums, the Board of Commissioners Komisaris menelaah implementasi strategi bisnis Bank, reviewed the implementation of the Bank’s business memantau perkembangan kinerja keuangan maupun non- strategy, monitored developments in financial and non- keuangan, serta mengevaluasi capaian Direksi terhadap financial performance, and evaluated the Board of Directors’ target yang telah ditetapkan dalam RBB. Dalam forum achievements against the targets set in the Business Plan tersebut, Dewan Komisaris juga memberikan pandangan (RBB). These meetings also served as a platform for the strategis dan masukan kepada Direksi terkait pengelolaan Board of Commissioners to provide strategic insights and 60 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Manajemen • Management Reports
Bank, termasuk pembahasan atas inisiatif bisnis, kebijakan input on various aspects of Bank management, including
strategis, serta rencana pengembangan usaha yang business initiatives, strategic policies, and development
memerlukan perhatian Dewan Komisaris. plans requiring supervisory attention.
Selain melalui forum rapat, Dewan Komisaris juga In addition to formal meetings, the Board of Commissioners
menjalankan fungsi pengawasan melalui komunikasi conducts its supervisory role through ongoing communication
dan koordinasi berkala dengan Direksi serta kunjungan and coordination with the Board of Directors, as well as
pengawasan (site visit) ke unit kerja atau kantor cabang through site visits to selected work units or branch offices
tertentu yang memerlukan perhatian khusus. Pendekatan ini requiring particular attention. This approach enables the
memungkinkan Dewan Komisaris memperoleh pemahaman Board of Commissioners to gain a more comprehensive
yang lebih komprehensif atas implementasi kebijakan dan understanding of policy implementation and operational
kondisi operasional Bank. conditions across the Bank.
Dewan Komisaris memastikan bahwa seluruh arahan dan The Board of Commissioners believes that all directives
rekomendasi yang disampaikan sepanjang tahun 2025 and recommendations provided throughout 2025 have
telah ditindaklanjuti secara memadai oleh Direksi sebagai been appropriately followed up by the Board of Directors
bagian dari upaya peningkatan kinerja dan penguatan as part of efforts to enhance performance and strengthen
tata kelola Bank. Dalam memberikan arahan dan nasihat governance. In delivering such guidance, the Board of
tersebut, Dewan Komisaris juga mempertimbangkan Commissioners also takes into account the reviews and
berbagai telaahan serta rekomendasi yang disampaikan recommendations put forward by committees under its
oleh komite-komite di bawah Dewan Komisaris. supervision.
Penilaian terhadap Kinerja Komite-Komite Assessment of the Performance
di bawah Dewan Komisaris of Committees under the Board of
Commissioners
Dalam menjalankan fungsi pengawasan, Dewan Komisaris In conducting its supervisory function, the Board of
didukung oleh Komite Audit, Komite Pemantau Risiko, serta Commissioners is supported by the Audit Committee, the
Komite Remunerasi dan Nominasi yang masing-masing Risk Monitoring Committee, and the Remuneration and
berperan dalam memberikan telaahan, masukan, dan Nomination Committee, each of which plays an important
rekomendasi kepada Dewan Komisaris terkait berbagai role in providing reviews, input, and recommendations
aspek tata kelola, manajemen risiko, serta pengelolaan on governance, risk management, and human resource
SDM di lingkup Bank. management within the Bank.
Melalui dukungan seluruh komite tersebut, Dewan Komisaris With the support of these committees, the Board of
memperoleh pandangan yang lebih komprehensif dalam Commissioners is able to obtain a more comprehensive
menjalankan fungsi pengawasan terhadap pengelolaan perspective in overseeing the performance of the Board
Bank oleh Direksi. Ketiga komite tersebut secara aktif of Directors. These committees actively review strategic
melakukan penelaahan atas kebijakan strategis, laporan policies, performance reports, and the implementation
kinerja, serta implementasi pengendalian internal dan of internal control and risk management making sure the
manajemen risiko guna memastikan kegiatan usaha Bank Bank’s business activities are conducted prudently and in
dijalankan secara prudent dan selaras dengan ketentuan compliance with applicable regulations and the principles
regulator serta prinsip tata kelola perusahaan yang baik. of good corporate governance.
Berdasarkan hasil evaluasi tersebut, Dewan Komisaris Based on its evaluation, the Board of Commissioners
menilai bahwa komite-komite di bawah Dewan Komisaris concludes that the committees under its supervision have
telah menjalankan fungsi dan tanggung jawabnya secara effectively performed their roles and responsibilities. The
efektif dalam mendukung pelaksanaan fungsi pengawasan. Board of Commissioners expresses its appreciation to all
Dewan Komisaris menyampaikan apresiasi kepada seluruh committee members for their contributions and dedication
anggota komite atas kontribusi dan dedikasi yang telah throughout 2025 in strengthening the quality of oversight
diberikan sepanjang tahun 2025 dalam memperkuat and supporting the implementation of good corporate
kualitas pengawasan serta mendukung penerapan tata governance within the Bank.
kelola perusahaan yang baik di lingkungan Bank.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 61
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Laporan Manajemen • Management Reports
Perubahan Komposisi Dewan Komisaris Changes to the Composition of the Board
of Commissioners
Pada tahun 2025, tidak terdapat perubahan pada In 2025, there were no changes to the composition of the
komposisi Dewan Komisaris Bank. Bank’s Board of Commissioners.
Apresiasi Appreciation
Menutup Laporan Dewan Komisaris ini, kami menyampaikan In closing this Report of the Board of Commissioners,
terima kasih kepada para pemegang saham, nasabah, we would like to express our sincere gratitude to our
mitra usaha, serta seluruh pemangku kepentingan atas shareholders, customers, business partners, and all
kepercayaan dan dukungan yang terus diberikan kepada stakeholders for their continued trust and support. This
Bank. Kepercayaan tersebut merupakan fondasi penting trust serves as a vital foundation that enables the Bank to
yang memungkinkan Bank menjalankan perannya secara carry out its role effectively amid the evolving dynamics of
optimal di tengah dinamika industri perbankan yang terus the banking industry.
berkembang.
Dewan Komisaris juga menyampaikan apresiasi kepada The Board of Commissioners also extends its appreciation to
Direksi beserta seluruh jajaran manajemen dan karyawan the Board of Directors, management, and all employees for
atas dedikasi, profesionalisme, serta kerja keras yang telah their dedication, professionalism, and hard work throughout
ditunjukkan sepanjang tahun 2025. Kontribusi dan komitmen 2025. The contributions and commitment demonstrated by
yang ditunjukkan oleh seluruh insan Bank menjadi faktor all Bank personnel have been key factors in maintaining
penting dalam menjaga stabilitas kinerja, memperkuat daya stable performance, strengthening competitiveness, and
saing, serta memastikan keberlangsungan operasional ensuring the Bank’s continued operations.
Bank secara berkelanjutan.
Dengan mempertahankan sinergi solids bersama seluruh By maintaining strong synergy with all stakeholders,
pemangku kepentingan serta didukung oleh sumber supported by capable human resources and a diverse
daya yang kompeten dan portofolio produk serta layanan portfolio of banking products and services, the
perbankan yang beragam, Dewan Komisaris meyakini Board of Commissioners convinces that the Bank
bahwa Bank memiliki landasan yang kokoh untuk terus has a solid foundation to move forward and achieve
melangkah maju dan mencapai pertumbuhan usaha sustainable business growth. With this spirit, the Board
yang berkelanjutan. Dengan semangat tersebut, Dewan of Commissioners remains optimistic that Bank IBK
Komisaris optimis bahwa Bank IBK Indonesia dapat terus Indonesia will continue to strengthen its role and contribute
memperkuat perannya dalam memberikan kontribusi meaningfully to the development of a sound and competitive
yang lebih besar bagi perkembangan industri perbankan national banking industry.
nasional yang sehat dan berdaya saing.
Atas nama Dewan Komisaris,
On behalf of the Board of Commissioners,
Taufik Hakim
Komisaris Utama (Independen)
President Commissioner (Independent)
62 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Manajemen • Management Reports
Halaman Ini sengaja dikosongkan
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PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 63
Page 64
Profil Perusahaan Company Profile
Page 65
’’
Sebagai bagian dari
industri perbankan,
IBK berkomitmen
untuk mendorong
pertumbuhan bisnis
sekaligus berkontribusi
terhadap perekonomian
nasional
As part of the banking industry,
IBK is committed to driving business
growth while contributing to the
national economy
Page 66
Profil Perusahaan • Company Profile
Identitas Perusahaan
Company Identity
Nama Perusahaan [GRI 2-1] Bidang Usaha Tanggal Pendirian
Company Name Line of Business Date of Establishment
PT Bank IBK Indonesia Tbk Jasa Perbankan 13 November 1973
Banking Services November 13, 1973
Dasar Hukum Pendirian Anggaran Dasar dan Perubahan Terakhir
Legal Basis of Establishment Articles of Association and Its Latest Amendments
Akta Perseroan Terbatas No. 85 tanggal 13 November 1973 Anggaran Dasar Bank beberapa kali mengalami perubahan.
beserta Akta Perubahannya No. 315 tanggal 29 Maret 1974 Perubahan terakhir adalah Akta Pernyataan Keputusan
yang keduanya dibuat di hadapan Kartini Muljadi, S.H., Rapat PT Bank IBK Indonesia Tbk No. 145 tanggal 16
pada saat itu Notaris di Jakarta yang telah mendapatkan Agustus 2024 yang dibuat di hadapan Christina Dwi Utami,
pengesahan dari Menteri Kehakiman Republik Indonesia S.H., M.Hum., M.Kn., Notaris di Jakarta Barat.
dengan keputusan No. Y.A.5/117/22 tanggal 4 April
1974 dan telah didaftarkan pada buku register di Kantor The Bank’s Articles of Association have been amended several
Pengadilan Negeri Jakarta di bawah No. 1236 dan 1237 times. The latest amendments were outlined in the Deed of
tanggal 8 April 1974 serta telah diumumkan dalam Berita Meeting Resolutions of PT Bank IBK Indonesia Tbk No. 145
Negara Republik Indonesia No. 41 tanggal 21 Mei 1974, dated August 16, 2024, drawn up before Christina Dwi Utami,
Tambahan Berita Negara No. 201/1974. SH, MHum, MKn, a Notary in West Jakarta.
Deed of Limited Liability Company No. 85 dated November
13, 1973, with its Deed of Amendment No. 315 dated March
29, 1974, both drawn up before Kartini Muljadi, SH, at that
Modal Dasar
Authorized Capital
Rp6.000.000.000.000,00
time a Notary in Jakarta, which have been ratified by the IDR6,000,000,000,000
Minister of Justice of the Republic of Indonesia under Decision (dalam nilai penuh) (in full amount)
No. Y.A.5/117/22 dated April 4, 1974, and have been registered
in the registrar book at the District Court of Jakarta under No.
1236 and 1237 dated April 8, 1974, and have been announced Modal Ditempatkan Rp4.786.438.487.400,00
in the State Gazette of the Republic of Indonesia No. 41 dated Issued Capital
IDR4,786,438,487,400
May 21, 1974, Supplement to State Gazette No. 201/1974.
(dalam nilai penuh) (in full amount)
Tanggal Pencatatan Saham Bursa Saham
Share Listing Date Stock Exchange
22 Desember 2014 (Initial Public Offering/”IPO”) Bursa Efek Indonesia (“BEI”)
December 22, 2014 (Initial Public Offering/”IPO”) Indonesian Stock Exchange
Kode Saham Skala Usaha [OJK C.3]
Pemegang Saham [OJK C.3]
Ticker Code Company Scale Shareholders
AGRS • Total Aset Per 31 Desember 2025: Rp23.406.738
• Total Liabilitas Per 31 Desember 2025: Rp17.591.671
91,49% 8,51%
• Total Assets as of December 31, 2025: IDR23,406,738 Industrial Bank Masyarakat
• Total Liabilities as of December 31, 2025: IDR17,591,671 of Korea Public
Kode Swift
SWIFT Code
Kantor Pusat Jaringan Kantor
IBKOIDJA
[OJK C.3]
Head Office Office Network
1 1
Wisma GKBI Suite UG-01, Jl. Jend. Sudiman No. 28 Kantor Pusat Kantor Pusat
Jumlah Jakarta Pusat 10210, Indonesia Operasional Non-Operasional
Karyawan per 31 Operational Head Non- Operational
T. (021) 5790 8888 F. (021) 5790 6888 E. corsec@ibk.co.id Office Head Office
Desember 2025
Total Employees as of
December 31, 2025
www.ibk.co.id
11 Kantor Cabang
Branch Offices 17 Kantor Cabang
Pembantu
593 karyawan
Sub-Branch Offices
Situs Web
employees Website
66 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Profil Perusahaan • Company Profile Riwayat Singkat Brief History PT Bank IBK Indonesia Tbk (“Bank”) memulai perjalanan PT Bank IBK Indonesia Tbk (the “Bank”) began its business usahanya pada tahun 1973 sebagai lembaga keuangan journey in 1973 as a non-bank financial institution under non-bank dengan nama PT Finconesia. Setelah lebih dari the name PT Finconesia. After more than two decades of dua dekade beroperasi, Bank melakukan transformasi operation, the Bank transformed into a commercial bank by menjadi bank umum dengan memperluas layanan untuk expanding its services to meet the comprehensive needs of memenuhi kebutuhan nasabah secara menyeluruh. Seiring its customers. In line with this transformation, PT Finconesia dengan transformasi ini, PT Finconesia berganti nama changed its name to PT Bank Finconesia, signifying the menjadi PT Bank Finconesia, menandai komitmen Bank Bank’s commitment to providing modern, comprehensive, dalam menyediakan layanan perbankan yang modern, and consistently relevant banking services to the public. menyeluruh, dan senantiasa relevan bagi masyarakat. Pada tahun 2008, Bank mengambil langkah strategis In 2008, the Bank took a strategic step to strengthen its untuk memperkuat citra dan posisinya di industri image and position in the banking industry by changing its perbankan dengan mengubah identitas menjadi PT Bank identity to PT Bank Agris. This change not only solidified Agris. Perubahan ini tidak hanya menegaskan fondasi the foundation for long-term growth but also strengthened pertumbuhan jangka panjang, tetapi juga memperkuat stakeholder trust, while opening up opportunities for the kepercayaan para pemangku kepentingan, sekaligus Bank to provide more innovative and relevant services membuka peluang bagi Bank untuk menghadirkan layanan amidst the increasingly competitive dynamics of the yang lebih inovatif dan relevan di tengah dinamika industri banking industry. perbankan yang semakin kompetitif. Selanjutnya pada tahun 2014, Bank menapaki babak baru Subsequently, in 2014, the Bank embarked on a new dalam perjalanannya dengan melakukan Penawaran Umum chapter in its journey with an Initial Public Offering (IPO), Perdana Saham (IPO) sehingga resmi menjadi perusahaan officially becoming a public company under the name PT terbuka dengan nama PT Bank Agris Tbk. Aksi korporasi Bank Agris Tbk. This corporate action not only strengthened ini tidak hanya memperkuat struktur permodalan, tetapi its capital structure but also enhanced transparency and juga meningkatkan transparansi dan tata kelola, sehingga governance, further strengthening investor and stakeholder kepercayaan investor dan pemangku kepentingan semakin trust. terbangun dengan kokoh. Tonggak penting berikutnya dalam sejarah pendirian Bank The next important milestone in the history of the Bank’s juga terjadi pada tahun 2019 ketika Industrial Bank of Korea establishment also occurred in 2019 when Industrial (IBK) yang merupakan salah satu bank terkemuka di Korea Bank of Korea (IBK), one of the leading banks in South Selatan secara resmi mengambil alih mayoritas saham PT Korea, officially acquired a majority stake of 95.79% in PT Bank Agris Tbk sebesar 95,79% serta 71,68% saham PT Bank Agris Tbk and 71.68% in PT Bank Mitraniaga Tbk. Bank Mitraniaga Tbk. Seiring dengan rampungnya akuisisi Following the completion of the acquisition and the merger dan merger kedua bank tersebut, PT Bank Agris Tbk of the two banks, PT Bank Agris Tbk changed its name mengubah namanya menjadi PT Bank IBK Indonesia Tbk. to PT Bank IBK Indonesia Tbk. IBK’s support as a global Dukungan IBK sebagai institusi keuangan global berhasil financial institution has successfully strengthened the memperkuat fondasi Bank sehingga memungkinkan Bank’s foundation, enabling improvements in operational peningkatan standar operasional, penyediaan layanan standards, the provision of innovative services, and inovatif, dan penguatan posisi sebagai bank yang strengthening its position as a trusted and competitive terpercaya serta kompetitif di Indonesia. bank in Indonesia. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 67
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Profil Perusahaan • Company Profile Seiring berjalannya waktu, Bank terus menegaskan Over time, the Bank has consistently emphasized its focus fokusnya pada pertumbuhan yang berkualitas dan on quality and sustainable growth through strengthening its berkelanjutan melalui penguatan struktur permodalan, capital structure, effective risk management, and providing pengelolaan risiko yang efektif, serta penyediaan layanan excellent customer service. This commitment to innovation prima bagi nasabah. Komitmen terhadap inovasi juga is also reflected in its digital-based and collaborative tercermin dari transformasi Sumber Daya Manusia (SDM) Human Resources (HR) transformation, where talent yang berbasis digital dan kolaboratif, di mana kapabilitas capabilities are positioned as a key pillar in supporting its talenta ditempatkan sebagai pilar utama dalam mendukung sustainable business strategy. strategi bisnis yang berkelanjutan. Dengan membangun fondasi bisnis yang kokoh, By building a solid business foundation, supported by dukungan institusi global sebagai pemegang saham, dan global institutions as shareholders, and implementing a implementasi strategi yang terarah, Bank senantiasa siap focused strategy, the Bank remains ready to face disruption menghadapi disrupsi serta berbagai tantangan di tengah and various challenges in an increasingly dynamic market. pasar yang semakin dinamis. Keunggulan kompetitif yang The Bank’s competitive advantages are believed to enable dimiliki Bank diyakini mampu mewujudkan visi menjadi it to realize its vision of becoming a leading financial partner mitra keuangan terdepan dengan fokus pada pertumbuhan with a focus on sustainable growth while supporting the berkelanjutan sekaligus mendukung pengembangan bisnis development of businesses and MSMEs in Indonesia. dan UMKM di Indonesia. Perjalanan lebih dari lima dekade menjadikan Bank Over five decades of experience, the Bank has become bukan hanya lembaga keuangan yang andal, tetapi juga not only a reliable financial institution but also a strategic mitra strategis yang mampu menciptakan nilai tambah partner capable of creating sustainable added value for berkelanjutan bagi masyarakat dan seluruh pemangku the community and all stakeholders. The Bank’s long track kepentingan. Rekam jejak panjang Bank di industri record in the national financial services industry reflects jasa keuangan nasional mencerminkan konsistensi dan its ongoing consistency and dedication to being a trusted dedikasi yang berkelanjutan untuk menjadi mitra keuangan financial partner that is not only able to survive amidst terpercaya yang tidak hanya mampu bertahan di tengah industry dynamics but also continues to grow alongside its dinamika industri, tetapi juga terus berkembang bersama customers and the community. nasabah dan masyarakat. Berlandaskan pada pijakan bisnis yang kokoh dan Building on a solid business foundation and continuously kemampuan adaptif yang terus meningkat, Bank improving adaptive capabilities, the Bank is committed berkomitmen untuk menjaga konsistensinya dalam to maintaining its consistency in providing innovative, menghadirkan layanan perbankan yang inovatif, inklusif, inclusive, and future-oriented banking services. In line dan berorientasi pada kebutuhan masa depan. Sejalan with this commitment, the Bank also continues to strive to dengan komitmen tersebut, Bank juga terus berupaya maintain business resilience, strengthen competitiveness, menjaga ketahanan bisnis, memperkuat daya saing, and create added value for all stakeholders. dan menciptakan nilai tambah bagi seluruh pemangku kepentingan. 68 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Profil Perusahaan • Company Profile
Riwayat dan Dasar Hukum Perubahan Nama Bank,
serta Alasan Perubahannya
History and Legal Basis for the Bank’s Name Change, and the Reasons for the Change
Tahun Penjelasan Perubahan Nama Alasan Perubahan Nama
Year Name Change Explanation Reasons for Name Changes
1993 PT Finconesia mengubah fokus bidang usahanya dari Lembaga Keuangan -
Bukan Bank menjadi Bank Umum berdasarkan Surat Keputusan
Menteri Keuangan Republik Indonesia No. 442/KMK.017/1993
tanggal 9 Maret 1993 sehingga nama PT Finconesia berubah menjadi
PT Bank Finconesia (“Bank Finconesia”).
PT Finconesia’s line of business underwent a transformation from a Non-
Bank Financial Institution to a Commercial Bank based on the Decree of
Minister of Finance of the Republic of Indonesia No. 442/KMK.017/1993
dated March 9, 1993, resulting in the name change from Finconesia to PT
Bank Finconesia (“Bank Finconesia”).
2008 PT Bank Finconesia resmi mengubah identitasnya menjadi PT Bank Agris Karena perubahan kepemilikan
berdasarkan Akta Pernyataan Keputusan Rapat Perubahan Anggaran saham pengendali tepatnya
Dasar Perseroan No. 146 tanggal 18 Juli 2008. akuisisi saham.
PT Bank Finconesia officially changed its name to PT Bank Agris based Due to a change in controlling
on Deed of Statement of Meeting Resolutions on Amendments to the ownership, specifically the
Company's Articles of Association No. 146 dated July 18, 2008. acquisition of shares.
2014 PT Bank Agris melakukan Penawaran Umum Perdana Saham (Initial -
Public Offering/”IPO”) dan resmi mencatatkan sahamnya di Bursa Efek
Indonesia (“BEI”). Seiring dengan langkah strategis ini, PT Bank Agris
resmi berstatus sebagai perusahaan terbuka sehingga nama perusahaan
berubah menjadi PT Bank Agris Tbk, sesuai Akta Pernyataan Keputusan
Persetujuan Bersama Seluruh Pemegang Saham Perseroan No. 43,
tertanggal 28 Agustus 2014.
The Bank conducted Initial Public Offering (IPO) and subsequently
listed its shares on Indonesia Stock Exchange. This means that
PT Bank Agris became a publicly traded company under the name PT Bank
Agris Tbk, as per the Deed of Joint Resolution of All Shareholders of the
Company No. 43 dated August 28, 2014.
2019 Industrial Bank of Korea (IBK) mengambil alih saham mayoritas pada 2 Karena perubahan kepemilikan
(dua) bank di Indonesia, yakni 95,79% saham PT Bank Agris Tbk dan saham pengendali tepatnya
71,68% saham PT Bank Mitraniaga Tbk. Setelah proses akuisisi selesai, akuisisi saham.
IBK menggabungkan PT Bank Mitraniaga Tbk ke dalam PT Bank Agris Tbk Due to a change in controlling
dan mengubah namanya menjadi PT Bank IBK Indonesia Tbk. Perubahan ownership, specifically the
nama ini berlaku efektif sejak 5 September 2019, berdasarkan Akta acquisition of shares.
Pernyataan Keputusan Rapat No. 249, tertanggal 22 Agustus 2019.
Industrial Bank of Korea (IBK) acquired shares in two Indonesian Banks,
namely 95.79% shares of PT Bank Agris Tbk and 71.68% shares of PT Bank
Mitraniaga Tbk. After IBK acquired the two companies, IBK proceeded to
merge PT Bank Mitraniaga Tbk into PT Bank Agris Tbk, which resulted in
PT Bank Agris Tbk changed its name to PT Bank IBK Indonesia Tbk, that
took effect on September 5, 2019, based on Deed of Meeting Decision No.
249 dated August 22, 2019.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 69
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Profil Perusahaan • Company Profile
Jejak Langkah
Milestones
1973 1993 2008 2014
Bank mengawali tonggak Bank mengubah fokus Melakukan perubahan nama Bank melakukan IPO dengan
sejarah perjalanannya bidang usahanya dengan menjadi PT Bank Agris menerbitkan 900.000.000
dengan nama PT Finconesia bertransformasi dari Lembaga Tbk, sebagai bagian dari lembar saham baru di BEI,
yang semula berfokus pada Keuangan Non-Bank menjadi transformasi identitas dan sekaligus menandai perjalanan
kegiatan usaha sebagai Bank Umum agar dapat penguatan positioning bisnis. resminya sebagai perusahaan
Lembaga Keuangan Non- melayani kebutuhan nasabah terbuka.
Changed the Company name
Bank. secara lebih menyeluruh.
to PT Bank Agris Tbk as part The Bank conducted an IPO
The Bank began its historical The Bank changed the focus of a brand transformation by issuing 900,000,000 new
journey with the name PT of its business sector by and to strengthen its market shares on the IDX, marking
Finconesia, which initially transforming from a Non- positioning. its official journey as a public
focused on business activities Bank Financial Institution to a company.
as a Non-Bank Financial Commercial Bank in order to
Institution. serve customer needs more
comprehensively.
2020 2021 2022
Bank melaksanakan Penawaran Umum Bank melaksanakan Penawaran Umum Bank melaksanakan Penawaran Umum
Terbatas II sebanyak 4.117.657.394 Terbatas III sebanyak 6.440.485.010 Terbatas IV sebanyak 9.983.043.663
lembar saham di BEI. lembar saham di BEI. lembar saham di BEI.
The Bank conducted its Second Limited The Bank conducted its Third Limited The Bank conducted its Fourth Limited
Public Offering of 4,117,657,394 shares Public Offering of 6,440,485,010 shares Public Offering of 9,983,043,663 shares
on the IDX. on the IDX. on the IDX.
70 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Profil Perusahaan • Company Profile
2016 2019
Bank melaksanakan Penawaran Umum • Industrial Bank of Korea (IBK) • Industrial Bank of Korea (IBK)
Terbatas I sebanyak 1.020.657.744 mengakuisisi 95,79% saham Bank acquired 95.79% of Bank Agris and
lembar saham di BEI sebagai bagian Agris dan 71,68% saham Bank 71.68% of Bank Mitraniaga;
dari strategi penguatan struktur Mitraniaga;
permodalan dan ekspansi bisnis. • Bank menerima persetujuan dari • The Bank received approval from the
Otoritas Jasa Keuangan (OJK) atas Financial Services Authority (OJK) for
The Bank conducted its First Limited
penggabungan (merger) Bank Agris the merger of Bank Agris and Bank
Public Offering of 1,020,657,744
dan Bank Mitraniaga; dan Mitraniaga; and
shares on the Indonesia Stock
• Grand Opening PT Bank IBK • The Grand Opening of PT Bank IBK
Exchange (IDX) as part of its strategy
Indonesia Tbk sekaligus menandai Indonesia Tbk marked the beginning
to strengthen its capital structure and
dimulainya babak baru bagi Bank yang of a new chapter for the Bank, which
expand its business.
kini telah didukung oleh kekuatan dan is now supported by the strength
pengalaman institusi keuangan global. and experience of global financial
institutions
2023 2024 2025
Bank melaksanakan Penawaran Umum Bank melaksanakan Penawaran Umum Bank mendapatkan peringkat
Terbatas V sebanyak 10.133.668.354 Terbatas VI sebanyak 10.081.180.809 AAA dari PT Pefindo.
lembar saham di BEI. lembar saham di BEI.
The Bank received an AAA rating
The Bank conducted its Limited Public The Bank conducted its Limited Public
Offering V of 10,133,668,354 shares Offering VI of 10,081,180,809 shares from PT Pefindo.
on the IDX. on the IDX.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 71
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Profil Perusahaan • Company Profile
Visi, Misi, dan Budaya Organisasi
Vision, Mission, and Organizational Culture
Visi
Vision
Misi
Mission
Menjadi Bank yang Bank akan melakukan empat
Profesional, Inovatif, dan misi utama untuk mencapai visi
perusahaan sebagai berikut:
Terdepan untuk UKM &
Bank has 4 key missions to achieve the
Korporasi. Company’s vision as follows:
To become a Professional,
Menyediakan layanan prima
Innovative, and Leading Bank kepada nasabah dan bertumbuh
for SME & Corporate. bersama nasabah.
Provide excellent services to customers
and grow together with customers.
Tinjauan Visi dan Misi oleh Direksi dan Membangun infrastruktur
Dewan Komisaris yang handal dan inovatif untuk
Review of Vision and Mission by the Board of Directors pertumbuhan bisnis.
and Board of Commissioners Build reliable and innovative
infrastructure for business growth.
Dalam upaya menjaga arah strategis dan integritas
Menciptakan lingkungan kerja
operasional, Bank secara berkala meninjau Visi
yang aman dan nyaman bagi
dan Misi yang menjadi landasan setiap keputusan
seluruh karyawan.
dan langkah yang diambil. Proses ini melibatkan
Create a safe and comportable work
kolaborasi antara Direksi dan Dewan Komisaris
environment for all employees.
sehingga setiap penyesuaian dan evaluasi dapat
mencerminkan perkembangan bisnis serta
dinamika industri perbankan. Hasil tinjauan terbaru Membangun profesionalisme
menunjukkan bahwa Visi dan Misi Bank tetap relevan kerja melalui peningkatan
dan sejalan dengan tujuan pendirian perusahaan. kapabilitas Sumber Daya
In an effort to maintain strategic direction and operational Manusia.
integrity, the Bank periodically reviews its Vision and Mission, Build work professionalism by increasing
which serve as the foundation for every decision and action Human Resources capabilities.
taken. This process involves collaboration between the Board
of Directors and the Board of Commissioners, ensuring that
each adjustment and evaluation reflects business developments
and the dynamics of the banking industry. The latest review
demonstrates that the Bank’s Vision and Mission remain
relevant and aligned with the company’s founding objectives.
72 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Profil Perusahaan • Company Profile
Budaya Organisasi
Organizational Culture
Bank memiliki budaya organisasi yang menjadi kompas The Bank has an organizational culture that serves as a
bagi seluruh karyawan dalam berpikir, bersikap, dan compass for all employees in their daily thinking, attitudes,
bertindak sehari-hari. Budaya ini memastikan bahwa and actions. This culture ensures that every decision,
setiap keputusan, langkah, dan interaksi, mulai dari jajaran action, and interaction, from management to employees, is
manajemen hingga karyawan, senantiasa selaras dengan always aligned with the Bank’s values.
nilai-nilai yang dijunjung tinggi Bank.
Budaya organisasi Bank menekankan kepuasan nasabah The Bank’s organizational culture emphasizes customer
sebagai prioritas utama. Nilai ini membimbing seluruh satisfaction as a top priority. This value guides all levels
jajaran Bank untuk menghadirkan layanan yang tepercaya of the Bank provides reliable services delivered with full
dan dilakukan dengan penuh tanggung jawab disertai responsibility, supported by a strong spirit of innovation, as
semangat berinovasi dengan komunikasi dan kerjasama well as effective communication and collaboration among
antar karyawan. Dengan menanamkan budaya inti ini ke employees. By embedding this core culture into every
dalam setiap inovasi, interaksi, dan strategi bisnis, Bank innovation, interaction, and business strategy, the Bank
berkomitmen untuk menciptakan pengalaman perbankan is committed to creating a superior banking experience
yang unggul serta membangun kepercayaan yang and building sustainable trust for the community and all
berkelanjutan bagi masyarakat dan seluruh pemangku stakeholders.
kepentingan.
Berikut adalah nilai-nilai budaya organisasi yang The following are the organizational culture values
that
telah dirancang oleh Bank: have been designed by the Bank:
“Prioritas Kepercayaan Semangat dan Komunikasi
dan Tanggung Inovasi dan Kerja Sama
Nasabah” Jawab Passion and Communication and
Innovation Teamwork
“Customer Trust and
Responsibility
Priority”
Kami senantiasa Kami selalu bekerja Kami berkomunikasi
bertindak dan bekerja dengan penuh secara terbuka dan
dengan kepercayaan semangat dan saling bekerja sama.
dan tanggung jawab. inovasi. We communicate
We always act and We always work openly and build the
work with trust and with passion and teamwork with each
responsibility. innovation. other.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 73
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Profil Perusahaan • Company Profile
Kegiatan Usaha [OJK C.4] [GRI 2-6]
Business Activities
Berdasarkan Anggaran Dasar Bank sebagaimana Based on the Bank’s Articles of Association, as stipulated
tercantum dalam Akta Pernyataan Keputusan Rapat in Deed of Establishment of the Bank’s Deed of Statement
Akta No. 62 tanggal 11 Februari 2022, maksud dan of Meeting Decisions No. 62 dated February 11, 2022,
tujuan Bank adalah beroperasi sebagai Bank Umum the Bank’s purpose and objective is to operate as a
Konvensional. Untuk mewujudkan tujuan tersebut, Bank Conventional Commercial Bank. To achieve this objective,
menjalankan berbagai kegiatan usaha yang dirancang tidak the Bank conducted various business activities designed
hanya untuk mendukung pertumbuhan bisnis, tetapi juga not only to support business growth but also to meet
untuk memenuhi kebutuhan nasabah secara menyeluruh. customer needs comprehensively.
Kegiatan usaha Bank mencakup penghimpunan dana dari The Bank’s business activities include collecting funds from
masyarakat, penyaluran kredit, penyediaan jasa transaksi the public, disbursing credit, providing transaction and
dan pembayaran, serta layanan perbankan lainnya yang payment services, and other banking services that support
mendukung perkembangan ekonomi nasional. Setiap national economic development. Each of these activities
kegiatan ini dijalankan dengan prinsip kehati-hatian, inovasi, is carried out with the principles of prudence, innovation,
dan fokus pada kepuasan nasabah, sehingga Bank mampu and a focus on customer satisfaction, enabling the Bank to
menghadirkan nilai tambah yang konsisten bagi nasabah, consistently provide added value to customers, the public,
masyarakat, dan seluruh pemangku kepentingan. and all stakeholders.
Berikut ini adalah uraian mengenai kegiatan usaha The following is a description of the Bank’s business activities
Bank sesuai ketentuan Anggaran Dasar terakhir dan in accordance with the provisions of the latest Articles of
implementasinya sepanjang tahun 2025: Association and their implementation throughout 2025:
Kegiatan Usaha yang Dijalankan di
Kegiatan Usaha Berdasarkan Anggaran Dasar Terakhir
Tahun 2025
Business Activities Based on the Latest Articles of Association
Business Activities in 2025
• Menghimpun dana dari masyarakat dalam bentuk simpanan berupa giro, deposito
berjangka, sertifikat deposito, tabungan, dan/atau bentuk lainnya yang dipersamakan
dengan itu. √
Collecting funds from the public in the form of various deposits such as current
accounts, time deposits, certificates of deposit, savings, and/or any equivalent forms.
• Memberikan pinjaman baik jangka panjang, jangka menengah, atau pinjaman dalam
bentuk yang pada umumnya diberikan dalam usaha perbankan.
√
Providing loans, whether long-term, medium-term, or loans in generally accepted
banking forms.
• Menerbitkan surat pengakuan utang.
√
Issuing debt acknowledgment instruments.
• Membeli, menjual, atau menjamin atas risiko sendiri maupun untuk kepentingan dan
atas perintah nasabahnya, meliputi:
» Surat-surat wesel, termasuk wesel yang diakseptasi oleh Bank yang masa
berlakunya tidak lebih lama dari pada kebiasaan dalam perdagangan surat-surat
dimaksud;
» Surat pengakuan utang dan kertas dagang lainnya yang masa berlakunya tidak
lebih lama dari kebiasaan dalam perdagangan surat-surat dimaksud;
√
» Kertas pembendaharaan negara dan surat jaminan Pemerintah;
» Sertifikat Bank Indonesia (SBI);
» Obligasi;
» Surat dagang berjangka waktu sesuai dengan peraturan perundang-undangan
yang berlaku; serta
» Instrumen surat berharga lainnya yang berjangka waktu sesuai dengan peraturan
perundang-undangan yang berlaku.
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Profil Perusahaan • Company Profile
Kegiatan Usaha yang Dijalankan di
Kegiatan Usaha Berdasarkan Anggaran Dasar Terakhir
Tahun 2025
Business Activities Based on the Latest Articles of Association
Business Activities in 2025
• Purchasing, selling, or guaranteeing, either on its own risk or on behalf of its clients,
including:
» Money orders, including those accepted by the Bank, with a validity period not
exceeding the customary practice in the trade of such money orders;
» Promissory notes and other commercial papers with a validity period not
exceeding the customary practice in the trade of such documents;
» Government treasury bills and government guarantee letters;
» Bank Indonesia Certificates (SBI);
» Bonds;
» Commercial papers with a maturity date in accordance with applicable laws and
regulations; and
» Other securities instruments with a maturity date in accordance with applicable
laws and regulations.
• Memindahkan uang, baik untuk kepentingan sendiri maupun kepentingan nasabah.
√
Transferring money, either for personal or customer purposes.
• Menempatkan dana pada, meminjam dana dari, atau meminjamkan dana kepada
bank lain, baik dengan menggunakan surat, sarana telekomunikasi, maupun dengan
wesel atas unjuk, cek, atau sarana lainnya.
√
Placing funds with, borrowing funds from, or lending funds to other banks, using
letters, telecommunication facilities, or instruments such as money orders, checks,
or other means.
• Menerima pembayaran dari tagihan atas surat berharga dan melakukan perhitungan
dengan atau antar pihak ketiga. √
Accepting payments on behalf of securities and settling with or between third parties.
• Menyediakan tempat untuk menyimpan barang-barang dan surat berharga.
√
Providing facilities for storing goods and securities.
• Melakukan kegiatan penitipan untuk kepentingan pihak lain berdasarkan suatu
kontrak. √
Engaging in custody activities for the benefit of other parties based on contracts.
• Melakukan penempatan dana dari nasabah kepada nasabah lainnya dalam bentuk
surat berharga yang tidak tercatat di bursa efek.
√
Placing funds from customers to other customers in the form of securities unlisted
on stock exchange.
• Melakukan kegiatan anjak piutang, usaha kartu kredit, dan kegiatan wali amanat.
√
Engaging in factoring activities, credit card businesses, and trustee activities.
• Membeli melalui pelelangan agunan, baik semua maupun sebagian dalam hal debitur
tidak memenuhi kewajibannya kepada bank, dengan ketentuan agunan yang dibeli
tersebut wajib dicairkan secepatnya.
√
Purchasing collateral through auctions, either in whole or in part if the debtor fails
to fulfill obligations to the bank, provided that the purchased collateral must be
liquidated as soon as possible.
• Melakukan kegiatan dalam valuta asing dengan memenuhi ketentuan yang ditetapkan
oleh Bank Indonesia atau Otoritas Jasa Keuangan (selanjutnya disingkat “OJK”) atau
instansi yang berwenang lainnya.
√
Engaging in foreign exchange activities in accordance with the regulations set by
Bank Indonesia or Financial Services Authority (hereinafter referred to as “OJK”) or
other authorized institutions.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 75
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Profil Perusahaan • Company Profile
Kegiatan Usaha yang Dijalankan di
Kegiatan Usaha Berdasarkan Anggaran Dasar Terakhir
Tahun 2025
Business Activities Based on the Latest Articles of Association
Business Activities in 2025
• Melakukan kegiatan penyertaan modal pada bank atau perusahaan lain di bidang
keuangan, seperti perusahaan sewa guna usaha, perusahaan modal ventura,
perusahaan efek, perusahaan asuransi, serta lembaga kliring penyelesaian dan
penyimpanan, dengan memenuhi ketentuan yang ditetapkan oleh Bank Indonesia
atau OJK atau instansi yang berwenang lainnya. √
Participating in the capital of other banks or financial companies, such as leasing
companies, venture capital companies, securities companies, insurance companies,
clearing, settlement, and depository institutions, in accordance with the regulations
set by Bank Indonesia or OJK or other authorized institutions.
• Melakukan kegiatan penyertaan modal sementara untuk mengatasi akibat kegagalan
kredit, dengan syarat harus menarik kembali penyertaannya, dengan memenuhi
ketentuan yang ditetapkan oleh Bank Indonesia atau OJK atau instansi yang
berwenang lainnya. √
Engaging in temporary capital participation to address the consequences of
credit failures, provided that the participation is withdrawn in accordance with the
regulations set by Bank Indonesia or OJK or other authorized institutions.
• Bertindak sebagai pendiri dana pensiun dan pengurus dana pensiun, sesuai dengan
ketentuan dalam peraturan perundang-undangan dana pensiun yang berlaku.
√
Acting as the founder of and administrator of a pension fund, in accordance with the
provisions of the prevailing pension fund laws and regulations.
• Melakukan kegiatan lain yang lazim dilakukan oleh bank sepanjang tidak bertentangan
dengan perundang-undangan dan peraturan yang berlaku, termasuk antara lain
tindakan dalam rangka restrukturisasi atau penyelamatan kredit antara lain membeli
agunan, baik semua maupun sebagian, melalui lelang atau dengan cara lain, dalam
hal debitur tidak memenuhi kewajibannya kepada bank, dengan ketentuan agunan
yang dibeli wajib dicairkan secepatnya.
√
Engaging in other activities commonly undertaken by banks, provided that they do
not contradict the prevailing laws and regulations, including, among others, actions
related to credit restructuring or rescue such as puwrchasing collateral, either wholly
or partially, through auctions or other means, in cases where debtors fail to fulfill their
obligations to the bank, under the condition that the purchased collateral must be
liquidated as soon as possible.
Selain menjalankan kegiatan usaha In addition to performing its core
utama, Bank juga dapat melakukan business activities, the Bank may
kegiatan usaha penunjang yang also carry out supporting business
mendukung operasional dan strategi activities that support its operations
bisnis, sepanjang tidak bertentangan and business strategy, provided
dengan peraturan perundang- that they do not conflict with
undangan, khususnya peraturan di applicable laws and regulations,
bidang perbankan. Fleksibilitas ini particularly banking regulations.
memberi ruang bagi Bank untuk This flexibility enables the Bank to
terus berinovasi, menghadirkan continue innovating, provide more
layanan yang lebih komprehensif, comprehensive services, and create
dan meningkatkan nilai tambah bagi greater added value for customers
nasabah serta seluruh pemangku and all stakeholders.
kepentingan.
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Profil Perusahaan • Company Profile
Produk dan/atau Jasa [OJK C.4]
Products and/or Services
Bank menghadirkan berbagai produk dan layanan yang The Bank offers a variety of products and services designed
dirancang untuk menjawab beragam kebutuhan finansial to address the diverse financial needs of customers, both
nasabah, baik individu maupun korporasi, dengan individuals and corporations, with a flexible, innovative,
pendekatan yang fleksibel, inovatif, dan responsif. Untuk and responsive approach. For savings products, the Bank
produk simpanan, Bank menawarkan tabungan, giro, offers savings, checking accounts, time deposits, and term
deposito, hingga tabungan berjangka, yang memberikan deposits, providing customers with convenience, flexibility,
kenyamanan, fleksibilitas, serta manfaat kompetitif bagi and competitive benefits. Each product is designed
nasabah. Setiap produk dirancang untuk mendukung to support careful financial planning and maximize the
perencanaan keuangan yang cermat dan memaksimalkan potential of fund management.
potensi pengelolaan dana.
Di bidang pembiayaan, Bank menyediakan beragam jenis In the financing sector, the Bank provides a variety of loan
pinjaman yang dapat disesuaikan dengan kebutuhan types tailored to customer needs, ranging from working
nasabah, mulai dari kredit modal kerja, kredit investasi, capital loans and investment loans to consumer loans. For
hingga kredit konsumsi. Untuk proyek berskala besar large-scale projects or complex financing needs, the Bank
atau kebutuhan pembiayaan yang kompleks, Bank juga also offers joint or syndicated credit facilities, providing
menawarkan fasilitas kredit bersama atau sindikasi, appropriate and strategic solutions for both individuals and
memberikan solusi yang tepat dan strategis bagi individu corporations.
maupun korporasi.
Selain simpanan dan pembiayaan, Bank juga In addition to savings and financing, the Bank also develops
mengembangkan produk dan layanan perbankan lainnya other innovative banking products and services, ensuring
yang inovatif, memastikan setiap nasabah dapat merasakan every customer can enjoy a superior, effective, and value-
pengalaman perbankan yang unggul, efektif, dan bernilai added banking experience. These products are explained
tambah. Produk-produk tersebut dijelaskan secara lebih in more detail below:
rinci berikut ini:
Produk Simpanan
Savings Products
• IBK Tabungan • IBK Savings
IBK Tabungan merupakan produk tabungan dalam IBK Savings is a savings product in IDR and foreign
mata uang Rupiah dan valuta asing dengan suku currencies with attractive interest rates.
bunga simpanan yang menarik.
• IBK Deposito • IBK Deposit
Bank menawarkan produk deposito berjangka The Bank offers time deposit products as a means of
sebagai sarana penempatan dana yang menghasilkan placing funds that yields maximum investment returns
tingkat investasi yang maksimal bagi para nasabahnya. for its customers. The Bank’s time deposit products
Produk deposito berjangka Bank tersedia dalam mata are available in Rupiah and foreign currencies with a
uang Rupiah dan valuta asing dengan pilihan jangka minimum term of 7 (seven) days and a maximum of
waktu minimum 7 (tujuh) hari dan maksimum 36 36 months. They also offer an Automatic Rollover
bulan serta tersedia fasilitas Automatic Rollover serta facility and the option of monthly and maturity interest
pilihan pembayaran bunga deposito berjangka secara payments.
bulanan dan pada saat jatuh tempo.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 77
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Profil Perusahaan • Company Profile
• IBK Giro • IBK Giro
IBK Giro merupakan produk Bank yang dirancang IBK Giro is a Bank product designed to simplify
untuk mempermudah transaksi bisnis dan pengelolaan business transactions and customer financial
keuangan nasabah, serta tersedia dalam mata uang management, and is available in both IDR and foreign
Rupiah maupun valuta asing. currencies.
• IBK Plan/Tabungan Berjangka • IBK Plan/Term Savings
Produk tabungan dengan setoran rutin dan suku A savings product with regular deposits and
bunga kompetitif yang dirancang untuk membantu competitive interest rates designed to help customers
nasabah mewujudkan berbagai kebutuhan finansial. meet various financial needs. This product is available
Produk ini tersedia dalam mata uang Rupiah maupun in IDR and foreign currencies, with term options
valuta asing, dengan pilihan jangka waktu mulai dari 6 ranging from 6 (six) months to a maximum of 36
(enam) bulan hingga maksimum 36 bulan. months.
Produk Kredit
Credit Products
• Kredit Modal Kerja • Working Capital Loan
Kredit yang diberikan untuk memenuhi kebutuhan Loans for working capital needs.
modal kerja.
Kredit Modal Kerja yang diberikan kepada debitur Working Capital Loans provided to borrowers consist
terdiri dari: of:
1. Pinjaman Rekening Koran; 1. Bank Statement Loans; and
2. Demand Loan; 2. Demand Loans;
3. Installment Loan; 3. Installment Loans;
4. Working Capital Executing; 4. Working Capital Executing;
5. Invoice Factoring; serta 5. Invoice Factoring; and
6. Trust Receipt. 6. Trust Receipt Loans.
• Kredit Konsumsi/Konsumtif/Individual • Consumer/ Individual Loans
Kredit yang diberikan kepada nasabah untuk tujuan Consumer loans for consumptive purposes which
konsumtif, terdiri dari: include:
1. Kredit Pemilikan Rumah; 1. Mortgage Loans;
2. Kredit Kendaraan Bermotor; serta 2. Motor Vehicle Loans; and
3. Kredit Multiguna. 3. Multipurpose Loans;
• Kredit Investasi • Investment Loans
Fasilitas pembiayaan ini diberikan kepada nasabah This financing facility is provided to customers to
untuk mendukung kebutuhan dana investasi jangka support long-term investment funding needs, such as
panjang, seperti pembelian kios, ruko, atau kendaraan, purchasing kiosks, shophouses, or vehicles, procuring
pengadaan mesin, pembangunan pabrik, dan machinery, building factories, and other investment
kebutuhan investasi lainnya. needs.
• Kredit Bersama/Sindikasi • Joint/Syndicated Credit
Kredit ini diberikan secara kolektif oleh beberapa This credit is provided collectively by several lenders,
pemberi pinjaman (lenders), yang umumnya diberikan generally in the form of capital loans to finance large-
dalam bentuk kredit modal untuk membiayai proyek scale projects or investment needs.
atau kebutuhan investasi berskala besar.
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Profil Perusahaan • Company Profile
Bancassurance
Bancassurance
Bank menawarkan kemudahan akses dan kepraktisan The Bank offers customers easy access and convenience
bagi Nasabah untuk mendapatkan perlindungan asuransi to obtain insurance protection, as well as integrated
serta integrasi layanan seperti pembayaran premi maupun services such as premium payments and easier insurance
pengajuan asuransi dengan lebih mudah. Melalui kerja applications. Through collaborations with Hanwha Life
sama dengan Hanwha Life Insurance dan Sequis life Insurance and Sequis Life Insurance, it creates a wider
insurance membuat pilihan Produk yang lebih beragam range of product options and enhances financial security,
serta keamanan finansial yang lebih baik dan menjadikannya creating an integrated solution for all the needs of
solusi terpadu untuk seluruh kebutuhan Nasabah dan customers and their families.
keluarganya.
Layanan Digital
Digital Services
• Layanan Internet dan Mobile Banking • Internet and Mobile Banking Services
Layanan IBK Internet Banking dan Mobile Banking IBK Internet Banking and Mobile Banking services
menawarkan berbagai manfaat bagi nasabah Bank, offer various benefits to Bank customers, including
seperti memberikan nasabah cara yang nyaman, providing a convenient, efficient, and secure way to
efisien, dan aman untuk mengelola keuangan nasabah. manage their finances.
• Layanan Kartu ATM/Debit Bank IBK • Bank IBK Indonesia ATM/Debit Card
Indonesia Services
Bank memberikan kemudahan bagi seluruh nasabah The Bank provides convenience for all customers to
untuk bertransaksi menggunakan Kartu ATM Bank conduct transactions using Bank IBK Indonesia ATM
IBK Indonesia (d/h Agris), dengan jaringan ATM Prima Cards (formerly Agris), through the ATM Prima and
dan ATM Bersama. Nasabah dapat menikmati layanan ATM Bersama networks. Customers can enjoy ATM
ATM dengan jaringan ini di lebih dari 20.000 terminal services with this network at more than 200,000 ATM
ATM yang tersebar di seluruh Indonesia dan nasabah terminals throughout Indonesia, and cash withdrawals
tidak dikenakan biaya untuk transaksi tarik tunai. Selain are free. Furthermore, with Bank IBK Indonesia’s
itu, dengan tergabungnya Bank IBK Indonesia dalam integration with the National Payment Gateway (GPN)
sistem GPN (Gerbang Pembayaran Nasional) secara system, customers can easily conduct transactions at
mudah nasabah dapat bertransaksi pada mesin EDC EDC machines throughout Indonesia.
di seluruh Indonesia.
Produk Treasury
Treasury Products
Bank menghadirkan layanan Treasury sebagai ujung The Bank offers Treasury services as the spearhead
tombak dalam pengelolaan likuiditas dan instrumen in managing liquidity and financial instruments. These
keuangan. Layanan ini dirancang untuk memberikan solusi services are designed to provide strategic and competitive
strategis dan kompetitif, tidak hanya bagi Bank, tetapi juga solutions not only for the Bank but also for customers
bagi nasabah yang membutuhkan produk finansial yang seeking reliable and innovative financial products.
andal dan inovatif.
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Profil Perusahaan • Company Profile Melalui Dealing Room, Treasury mengelola transaksi Through the Dealing Room, Treasury manages Interbank Interbank Money Market, valuta asing (valas), dan surat Money Market transactions, foreign exchange (forex), berharga, dengan tujuan menjaga likuiditas Bank tetap and securities, with the aim of maintaining optimal Bank optimal sekaligus memaksimalkan peluang return secara liquidity while maximizing return opportunities prudently. prudent. Dalam mengelola Interbank Money Market, In managing the Interbank Money Market, Treasury utilizes Treasury memanfaatkan berbagai instrumen keuangan, various financial instruments, such as Call Money with seperti Call Money dengan beragam periode jatuh tempo, various maturities, Repo, Reverse Repo, Cross Currency Repo, Reverse Repo, Cross Currency Repo, FX Swap, Repo, FX Swap, FX Forward, Negotiable Certificate of FX Forward, Negotiable Certificate Deposit (NCD), serta Deposit (NCD), and Bank Indonesia instruments. instrumen Bank Indonesia. Treasury juga menjalankan fungsi Hubungan antar Institusi Treasury also conducts Inter-Institutional Relations (FI (FI Relationship) untuk menangani hubungan antarbank, Relationship) functions to handle interbank relationships, hubungan dengan asuransi, dana pensiun, multifinance relationships with insurance companies, pension funds, and serta meningkatkan kerjasama sebagai correspondent multifinance companies, as well as enhancing collaboration banking seperti misalnya kerja sama dalam hal funding, as correspondent banking, such as in funding, money trade finance pasar uang, valas, dan lain-lain. market trade finance, foreign exchange, and other areas. Sebagai Bank Devisa, Treasury juga menyediakan layanan As a Foreign Exchange Bank, Treasury provides valas kepada nasabah yang komprehensif, mulai dari Bank comprehensive foreign exchange services to customers, Note hingga Telegraphic Transfer, dengan transaksi antar ranging from Bank Notes to Telegraphic Transfers, with bank meliputi TOM, TOD, dan Spot. Seluruh transaksi ini interbank transactions covering TOM, TOD, and Spot. All dijalankan sesuai ketentuan Posisi Devisa Neto (PDN) these transactions are executed in accordance with Bank dari Bank Indonesia dan limit yang ditetapkan Direksi. Indonesia’s Net Open Position (NOP) regulations and Selain untuk memperoleh return yang optimal, transaksi limits set by the Board of Directors. In addition to obtaining surat berharga menjadi tulang punggung pengelolaan optimal returns, securities transactions serve as the likuiditas jangka menengah hingga panjang. Instrumen backbone of medium to long-term liquidity management. ini melengkapi peran Interbank Money Market dalam These instruments complement the role of the Interbank menjaga keseimbangan likuiditas Bank dalam jangka Money Market in maintaining the Bank’s short-term liquidity pendek, sekaligus memberikan fleksibilitas strategis untuk balance and providing strategic flexibility to support overall mendukung stabilitas keuangan secara keseluruhan. financial stability. Selain itu, Treasury juga mengelola portofolio surat berharga Furthermore, Treasury disciplinedly manages its portfolio dan instrumen Fixed Income secara disiplin dengan of securities and fixed-income instruments, utilizing excess memanfaatkan ekses likuiditas untuk memperoleh return liquidity to achieve optimal returns from Government yang optimal dari Surat Utang Negara maupun Obligasi Securities and State-Owned Enterprise (BUMN)/ BUMN/Korporasi. Aktivitas ini mencakup portofolio Fair Corporate Bonds. These activities include short-term Fair Value Through Profit or Loss FVTPL jangka pendek, Fair Value Through Profit or Loss FVTPL portfolios, Fair Value Value Through Other Comprehensive Income, maupun Through Other Comprehensive Income, and Amortized Amortized Cost dengan counterparty yang telah disetujui Cost with counterparties approved by management. manajemen. Seluruh aktivitas Treasury dijalankan secara disiplin dan All Treasury activities are conducted in a disciplined and penuh kehati-hatian, serta mengacu pada batasan dan prudent manner, adhering to the limits and provisions ketentuan yang telah disetujui Direksi melalui koordinasi approved by the Board of Directors in coordination with dengan Bagian Financial Institution dan Manajemen Risiko. the Financial Institution and Risk Management Divisions. Pendekatan ini memastikan bahwa setiap langkah Treasury This approach ensures that every Treasury step is not tidak hanya dijalankan secara efisien dan aman, tetapi juga only executed efficiently and securely, but also provides memberikan nilai tambah berkelanjutan bagi Bank dan sustainable added value for the Bank and all stakeholders. seluruh pemangku kepentingan. 80 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Profil Perusahaan • Company Profile
Trade Finance
Trade Finance
Bank menyediakan layanan Trade Finance sebagai solusi
strategis untuk mendukung kelancaran kegiatan bisnis The Bank provides Trade Finance services as a strategic
nasabah. Fasilitas ini mencakup pembiayaan pre-shipment, solution to support the smooth running of customers’
post-shipment, serta pembiayaan impor, yang dirancang business activities. This facility includes pre-shipment,
untuk memfasilitasi arus perdagangan domestik maupun post-shipment, and import financing, designed to facilitate
internasional. Layanan Trade Finance Bank tersedia untuk domestic and international trade flows. Trade Finance
berbagai segmen nasabah, dengan cakupan sebagai services are available to various customer segments, with
berikut: the following coverage:
1. Semua cabang (Kantor Cabang & Kantor Cabang
Pembantu) Bank IBK Indonesia; dan 1. All branches (Branch Offices & Sub-Branch Offices)
2. Berlaku untuk semua negara kecuali yang dikenakan of Bank IBK Indonesia; and
sanksi khusus dari otoritas terkait. 2. Applicable to all countries except those subject to
specific sanctions from the relevant authorities.
Fitur Trade Finance Bank IBK Indonesia
Trade Finance Features of Bank IBK
Indonesia
Layanan Trade Finance Bank dirancang dengan berbagai
fitur unggulan untuk memastikan pembiayaan perdagangan Trade Finance services are designed with various superior
berjalan efisien, fleksibel, dan andal, sekaligus mendukung features to ensure efficient, flexible, and reliable trade
kelancaran arus bisnis nasabah secara optimal. Keunggulan financing, while optimally supporting the smooth flow of
dan fasilitas utama yang ditawarkan oleh layanan ini customers’ businesses. The main advantages and facilities
dijabarkan sebagai berikut: offered by this service are outlined as follows:
1. Cepat dan aman;
2. Kurs dan biaya bersaing; 1. Fast and secure;
3. Tersedia tim yang siap membantu segala kebutuhan 2. Competitive exchange rates and fees;
perbankan nasabah; 3. A dedicated team ready to assist with all customer
4. Proses same-day transaction tanpa tambahan biaya; banking needs;
serta 4. Same-day transaction processing at no additional
5. Layanan tersedia untuk nasabah korporasi. cost; and
5. Services available for corporate customers.
Produk Trade Finance Bank IBK
Indonesia IBK Indonesia Bank Trade Finance
Products
1. Ekspor
Layanan Trade Finance menyediakan fasilitas 1. Export
pembiayaan pre-shipment dan post-shipment yang Trade Finance services provide pre-shipment and
dirancang untuk mendukung kebutuhan arus kas post-shipment financing facilities designed to support
perusahaan debitur, sehingga kegiatan perdagangan the cash flow needs of debtor companies, ensuring
dapat berjalan lancar dan efisien. Rincian fasilitas yang smooth and efficient trading activities. The details of
tersedia dijabarkan sebagai berikut: the available facilities are outlined as follows:
a. Export Documentary Credit;
b. Transfer Letter of Credit; a. Export Documentary Credit;
c. Negotiation; b. Transfer Letter of Credit;
d. Export Documentary Collection; c. Negotiation;
e. D/P (Document against Payment); dan d. Export Documentary Collection;
f. D/A (Document against Acceptance). e. Document against Payment (D/P); and
f. Document against Acceptance (D/A).
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Profil Perusahaan • Company Profile
2. Impor
Untuk mendukung kebutuhan impor nasabah, layanan 2. Import
Trade Finance Bank menyediakan berbagai jenis Letter To support customer import needs, the Bank’s
of Credit (L/C) yang fleksibel dan dapat disesuaikan Trade Finance services offer various types of flexible
dengan karakteristik transaksi, antara lain: Letters of Credit (L/C) that can be tailored to the
a. Import Documentary Credit; characteristics of the transaction, including:
b. L/C Issuance; a. Import Documentary Credit;
• Sight L/C; b. L/C Issuance;
• Usance L/C; • Sight L/C;
c. L/C Amendment; • Usance L/C;
d. L/C Settlement; c. L/C Amendment;
e. TR (Trust Receipt); Pinjaman impor jangka pendek d. L/C Settlement;
untuk pelunasan barang impor atas transaksi e. TR (Trust Receipt); Short-term import loans for
Letter of Credit importer; payment of imported goods under an importer’s
f. Letter of Guarantee/Shipping Guarantee; serta Letter of Credit transaction;
g. Jaminan tertulis dari Bank Penerbit Letter of f. Letter of Guarantee/Shipping Guarantee; and
Credit dan disampaikan oleh importir kepada g. Written guarantee from the Letter of Credit Issuing
perusahaan pengangkut atau agennya untuk Bank, submitted by the importer to the shipping
mengambil barang jika terjadi pengiriman kargo company or its agent to collect the goods if the
sebelum dokumen pengiriman diterima Bank cargo is shipped before the shipping documents
Penerbit. are received by the Issuing Bank.
3. Import Documentary Collection:
a. D/P (Document against Payment); serta 3. Import Documentary Collection:
b. D/A (Document against Acceptance). a. D/P (Document against Payment); and
b. D/A (Document against Acceptance).
4. Surat Kredit Berdokumen Dalam Negeri
(SKBDN) 4. Domestic Letter of Credit (SKBDN)
Bank menyediakan layanan SKBDN (Surat Kredit
Berdokumen Dalam Negeri) untuk mendukung Banks provide SKBDN (Domestic Letter of Credit)
kelancaran perdagangan domestik. Bagi nasabah services to support the smooth flow of domestic trade.
yang berperan sebagai pembeli, Bank siap membantu For customers acting as buyers, the Bank is ready to
penerbitan berbagai jenis SKBDN sesuai kebutuhan assist in issuing various types of SKBDN according
transaksi. Sementara bagi nasabah yang berperan to transaction needs. Meanwhile, for customers acting
sebagai penjual, Bank menawarkan fasilitas diskonto as sellers, the Bank offers a term SKBDN discount
SKBDN berjangka yang dirancang untuk mendukung facility designed to support cash flow and smooth
arus kas dan kelancaran operasional perusahaan. company operations.
5. Standby Letter of Credit (SBLC)/Guarantee
SBLC atau Guarantee merupakan jaminan yang 5. Standby Letter of Credit (SBLC)/Guarantee
diterbitkan oleh Bank selaku Issuing Bank kepada SBLC atau Guarantee merupakan jaminan yang
Beneficiary. Jaminan ini berlaku berdasarkan diterbitkan oleh Bank selaku Issuing Bank kepada
dokumen yang memenuhi syarat dan ketentuan Beneficiary. Jaminan ini berlaku berdasarkan
SBLC/Guarantee, dan berfungsi untuk memberikan dokumen yang memenuhi syarat dan ketentuan
perlindungan apabila Applicant gagal memenuhi SBLC/Guarantee, dan berfungsi untuk memberikan
kewajiban kontrak atau kesepakatan yang telah perlindungan apabila Applicant gagal memenuhi
disepakati. Dengan mekanisme ini, Bank membantu kewajiban kontrak atau kesepakatan yang telah
meminimalkan risiko transaksi dan memberikan disepakati. Dengan mekanisme ini, Bank membantu
kepastian bagi semua pihak yang terlibat. meminimalkan risiko transaksi dan memberikan
kepastian bagi semua pihak yang terlibat.
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Profil Perusahaan • Company Profile
Remittance
Remittance
Bank menghadirkan layanan pengiriman uang dalam valuta
asing yang dirancang untuk memenuhi kebutuhan individu The Bank offers foreign currency remittance services
maupun korporasi, baik di dalam maupun luar negeri, melalui designed to meet the needs of individuals and corporations,
jaringan SWIFT yang andal. Layanan ini memberikan solusi both domestically and internationally, through the reliable
cepat, aman, dan efisien untuk mengirim maupun menerima SWIFT network. This service provides a fast, secure,
dana, dengan biaya yang kompetitif. and efficient solution for sending and receiving funds, at
competitive rates.
Produk Remittance yang tersedia meliputi Outward
Remittance untuk pengiriman valas dan Inward Remittance Available remittance products include outward remittance
untuk penerimaan valas dengan jangkauan yang luas for sending foreign currency and inward remittance for
secara nasional maupun internasional. Dengan layanan ini, receiving foreign currency, with extensive national and
pengiriman dana dapat sampai tujuan secara tepat waktu international coverage. This service ensures timely and
dan aman, memberikan kenyamanan serta kepastian bagi secure delivery of funds, providing convenience and
nasabah. certainty for customers.
Layanan Remittance Bank tersedia di seluruh jaringan
cabang baik Kantor Cabang maupun Kantor Cabang The Bank’s remittance service is available throughout its
Pembantu, dan dapat digunakan untuk transaksi di seluruh branch network, both at branch offices and sub-branch
negara, kecuali yang dikenakan sanksi khusus oleh otoritas offices, and can be used for transactions throughout the
terkait. country, except those subject to specific sanctions by the
relevant authorities.
Fitur Layanan Remittance Bank IBK
Indonesia IBK Indonesia Bank Remittance Service
Features
Berbagai keuntungan dan kemudahan yang ditawarkan
oleh layanan Remittance Bank dijabarkan sebagai berikut: The various benefits and conveniences offered by the Bank
1. Cepat dan aman; Remittance service are outlined as follows:
2. Kurs dan biaya bersaing; 1. Fast and secure;
3. Tersedia tim yang siap membantu segala kebutuhan 2. Competitive exchange rates and fees;
perbankan nasabah; 3. A dedicated team ready to assist with all customer
4. Proses same-day transaction tanpa tambahan biaya; banking needs;
serta 4. Same-day transaction processing at no additional
5. Layanan tersedia untuk nasabah individu dan cost; and
korporasi. 5. Services available to individual and corporate
customers.
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Profil Perusahaan • Company Profile
Wilayah Operasional [OJK C.3]
Operational Area
6 London
13 Wroclaw
3 New York 12 Vladvostok
1 China 4 Tokyo
9 New Delhi
5 Hong Kong
Myanmar 14 8 Hanoi
Phnom Penh 11
10 Manila
Hoi Chi Minh 7
2 Indonesia
Medan
Pekanbaru
Pontianak
Palembang
Tangerang
Jakarta
Bandung
Bandar Lampung Semarang
Bali
Cilegon
Bekasi
Surabaya
Solo
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Profil Perusahaan • Company Profile
Jaringan Global
Global Network
Kota, Negara Jenis Cabang Jumlah Cabang
No
City, Country Type of Branch Number of Branches
1 China Subsidiary Bank 17
2 Indonesia Subsidiary Bank 29
3 New York, United States of America Branch 1
4 Tokyo, japan Branch 1
5 Hong Kong Branch 1
6 London, United Kingdom Branch 1
7 Ho Chi Minh, Vietnam Branch 1
8 Hanoi, Vietnam Branch 1
9 New Delhi, India Branch 1
10 Manila, Philippines Branch 1
11 Pnom Penth, Cambodia Branch 1
12 Vladivostok, Rusia Representative Office 1
13 IBK Bank Spolka Akcyjna Subsidiary Bank 1
14 Myanmar Subsidiary Bank 1
Jaringan Kantor
Office Network
Kategori Nama Kantor Alamat Telepon/Fax.
Category Name of Office Address Telephone/Fax.
Kantor Pusat Non-Operasional Kantor Pusat Non- Wisma GKBI Suites-1901 Jl. Jend. Sudirman No. 28 (021) 5790 8888/
Non- Operational Head Office Operasional Jakarta Pusat (021) 5790 6888
Kantor Pusat Operasional KCU Wisma GKBI Wisma GKBI Suites-1901 Jl. Jend Sudirman No. 28 (021) 5790 8888/
Operational Head Office Jakarta Pusat (021) 5790 6888
Kantor Cabang Pembantu KCP Cempaka Putih Jl. Let.Jend Suprapto Blok A/19 RT. 012/005 (021) 4280 0384/
Sub-Branch Office Kel. Cempaka Putih Timur, Jakarta Pusat, 10510 (021) 4280 0385
Kantor Cabang Pembantu KCP Pantai Indah Jl. Pantai Indah Utara 2, Metro Broadway The Gallery (021) 3005 1629
Sub-Branch Office Kapuk (PIK) Blok 8 No. DG, Kel. Kapuk Muara, Kec. Penjaringan, (021) 3005 1635/
Kota Administrasi Jakarta Utara, 14460 (021) 3005 1639
Kantor Cabang Pembantu KCP Mangga Dua Komplek Harco Mangga Dua Plaza blok K No. 5, (021) 6121 407
Sub-branch Office Plaza Sawah Besar, Jakarta Pusat, 10730 (021) 6121 408/
(021) 6121 056
Kantor Cabang Pembantu KCP Tanah Abang Jl. Wahid Hasyim No, 141 C, RT 011/002, (021) 3908 963/
Sub-Branch Office Tanah Abang 10250 (021) 3909 327
Kantor Cabang Pembantu KCP Rawamangun Jl. Pemuda Blok W Kaveling No. 706, RT. 008, (021) 2248 3240/
Sub-Branch Office RW. 05, Kelurahan Jati, Kecamatan Pulogadung, (021) 2248 3241
Kota Administrasi Jakarta Timur, 13220
Kantor Cabang Pembantu KCP Taman Palem Perumahan Taman Palem Lestari Blok A11 No. 29, (021) 2941 1675/
Sub-Branch Office Cengkareng, Jakarta Barat, 11730 (021) 5595 3317
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Profil Perusahaan • Company Profile
Kategori Nama Kantor Alamat Telepon/Fax.
Category Name of Office Address Telephone/Fax.
Kantor Cabang Pembantu KCP Pondok Indah Jl. Arteri No. 18 E, RT. 001, RW. 002, Kel. Kebayoran (021) 2793 2120/
Sub-Branch Office Lama Selatan, Kec. Kebayoran Lama, Jakarta Selatan, (021) 2793 2108
12240
Kantor Cabang Pembantu KCP Bekasi Jl. Bulevar Ahmad Yani, Ruko Cluster Graha Bulevar, (021) 8886 0437
Sub-Branch Office Blok GB/A/10, Kel. Harapan Mulya, Kec. Medan (021) 8886 0547/
Satria, Bekasi, Jawa Barat, 17143 (021) 8886 0458
Kantor Cabang Pembantu KCP Tanjung Duren Jl. Tanjung Duren Raya Blok B IV No. 74, (021) 5695 4490/
Sub-Branch Office Jakarta Barat, 11470 (021) 5647 348
Kantor Cabang Pembantu KCP Muara Karang 1 JL. Muara Karang Raya Blok B7 No. 109, Jakarta (021) 6669 1066,
Sub-Branch Office Utara, 14450 (021) 6669 0599/
(021) 6615 688
Kantor Cabang Pembantu KCP Kelapa Gading Ruko Italian Walk MOI Jl. Boulevard Barat Raya (021) 4586 6986/
Sub-Branch Office (MOI) Blok B No. 6, Kel. Kelapa Gading Barat, Kec. Kelapa (021) 2452 2421
Gading, Jakarta Utara, 14240
Kantor Cabang Pembantu KCP Cikarang - Jl. MH. Thamrin, Komp. Ruko Thamrin Blok B-9, (021) 8061 5702
Sub-Branch Office Thamrin Cibatu, Cikarang Selatan, Kabupaten Bekasi, 17530
Kantor Cabang Pembantu KCP Gading Serpong Jl Boulevard Gading Serpong, Ruko Alexandrite Blok (021) 5422 0638,
Sub-Branch Office ALX 3 No. 10, Kelapa Dua, Tangerang, 15810 (021) 5422 0639
(021) 5422 0640/
(021) 5421 6350
Kantor Cabang Pembantu KCP Bogor Jl. Siliwangi No. 5 RT. 02, RW. 04, Kel. Sukasari, (0251) 8203 108/
Sub-Branch Office Kec. Bogor Timur, Kota Bogor, Jawa Barat, 16131 (0251) 8203 107
Kantor Cabang Pembantu KCP Surabaya - HR Jl. HR. Muhammad No. 75B, Kelurahan Pradah (031) 7329 068
Sub-Branch Office Muhammad Kalikendal, Kecamatan Dukuh Pakis, Surabaya, (031) 7329 069/
Jawa Timur, 60226 (031) 7329 078
Kantor Cabang Pembantu KCP Cilegon Ruko Mega Cilegon Blok B No. 1, Jl. S.A Tirtayasa (0254) 5021 037
Sub-Branch Office Kelurahan Ramanuju, Kecamatan Purwakarta,
Cilegon Banten, 42400
Kantor Cabang Pembantu KCP Karawaci - Jl. Imam Bonjol, Karawaci Office Park Blok A No. 3, (021) 5512 825/
Sub-Branch Office Pinangsia Kel. Panunggangan Barat, Kec. Cibodas, Tangerang, (021) 5512 844
Banten, 15138
Kantor Cabang KC Slipi Wisma 77 Tower 1 lt. 1, Jl. Letjen S. Parman Kav 77, (021) 548 1877/
Branch Office Slipi, Jakarta Barat, 11410 (021) 548 1260
Kantor Cabang KC Teluk Betung JL. Ikan Tongkol 01-03, Teluk Betung, (0721) 471 300/
Branch Office Bandar Lampung, 35223 (0721) 474 656
(0721) 474 657
Kantor Cabang KC Palembang JL. Kolonel Atmo No. 583 C-D, Kel 17. ilir, Kec.ilir (0711) 318 998/
Branch Office timur 1, Palembang, Sumatera selatan, 30125 (0711) 354 291
Kantor Cabang KC Medan - Palang JL. Palang Merah No. 112 AAA, Medan, 20112 (061) 4527 878/
Branch Office Merah (061) 4522 336
Kantor Cabang KC Pekanbaru JL. Riau No. 38 G, Pekanbaru, 28292 (0761) 42288/
Branch Office (0761) 41088
Kantor Cabang KC Surabaya - The Gedung The Samator 3rd Floor, Jl. Raya Kedung (031) 8786 5888
Branch Office Samator Baruk 26-28 Surabaya, Jawa Timur, 60298
Kantor Cabang KC Semarang JL. MT. Haryono, Ruko Mataram Plaza Blok A No. 9, (024) 3563 328
Branch Office Semarang, 50126 (024) 3563 327,
(024) 8644 9095,
(024) 8644 9094/
(024) 356 2380
Kantor Cabang KC Solo JL. Veteran No. 217, Serengan, Surakarta, 57155 (0271) 630 202/
Branch Office (0271) 2935 958
Kantor Cabang KC Bandung Jl. Sunda No. 9, Keluarahan Paledang, Kecamatan (022) 4209 733
Branch Office Lengkong, Bandung, 40261
Kantor Cabang KC Pontianak JL. Ir. H. Djuanda No. 57-58, Pontianak, (0561) 571 718/
Branch Office Kalimantan Barat, 78117 (0561) 571 717
Kantor Cabang KC Denpasar Jl. Raya Puputan Rukan Niti Mandala No, 12A-12B, (0361) 2107 198
Branch Office Kec. Dangin Puri Klod, Kota Denpasar, Bali, 80234
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Keanggotaan Asosiasi Keuangan
Berkelanjutan [OJK C.5] [GRI 2-28]
Membership of Sustainable Finance Associations
Bank menegaskan komitmen penuhnya dalam mendorong The Bank affirms its full commitment to promoting the
pengembangan industri keuangan berkelanjutan dengan development of the sustainable finance industry by
terus memperluas jaringan kerja sama bersama pelaku continuously expanding its collaborative network with other
usaha lain. Melalui partisipasi aktif di berbagai asosiasi business actors. Through active participation in various
keuangan berkelanjutan, Bank tidak hanya menjalin sustainable finance associations, the Bank not only forges
kolaborasi strategis, tetapi juga mendorong pertukaran ide strategic collaborations but also encourages the exchange
dan praktik terbaik yang berorientasi pada keberlanjutan, of sustainability-oriented ideas and best practices, while
sekaligus memperkuat kontribusinya bagi ekosistem strengthening its contribution to the national financial
keuangan nasional. Rincian keanggotaan Bank dapat ecosystem. Details of the Bank’s membership are shown
dilihat pada tabel berikut: in the following table:
Perhimpunan Bank Asosiasi Sistem Ikatan Bankir Asosiasi Emiten
Umum Nasional Pembayaran Indonesia Indonesia (IBI) Indonesia (AEI)
(Perbanas) (ASPI) Indonesian Bankers Indonesian Public Listed
National Commercial Banks Indonesian Payment Association (IBI) Companies Association
Association (Perbanas) System Association (ASPI) (AEI)
Skala Asosiasi Skala Asosiasi Skala Asosiasi Skala Asosiasi
Association Scale Association Scale Association Scale Association Scale
Nasional Nasional Nasional Nasional
National National National National
Posisi Posisi Posisi Posisi
Position Position Position Position
Anggota Anggota Anggota Anggota
Member Member Member Member
Lembaga Penjamin Forum Komunikasi Lembaga Alternatif Forum Komunikasi
Simpanan (LPS) Direktur Kepatuhan Penyelesaian Sengketa Direktur Operasional
Indonesia Deposit Perbankan (FKDKP) Sektor Jasa Keuangan Perbankan (FKDOP)
Insurance Corporation Banking Compliance (LAPS-SJK) Communication Forum
(LPS) Director Communication Alternative Dispute Resolution for Director of Banking
Forum (FKDKP) Agencies for Financial Operations (FKDOP)
Services Sector (LAPS-SJK)
Skala Asosiasi Skala Asosiasi Skala Asosiasi Skala Asosiasi
Association Scale Association Scale Association Scale Association Scale
Nasional Nasional Nasional Nasional
National National National National
Posisi Posisi Posisi Posisi
Position Position Position Position
Anggota Anggota Anggota Anggota
Member Member Member Member
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 87
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Profil Perusahaan • Company Profile
Perubahan yang Bersifat Signifikan [OJK C.6]
Significant Changes
Sepanjang tahun 2025, Bank menerapkan langkah Throughout 2025, the Bank implemented strategic steps
strategis dengan melakukan penutupan dan relokasi by closing and relocating several branch offices. The Bank
terhadap beberapa kantor cabang. Adapun Bank telah has closed two branch office networks:
melakukan penutupan terhadap 2 (dua) jaringan kantor
cabang, yaitu:
Kantor Cabang Alamat Tanggal Tutup
Branch Office Address Closing Date
KCP Kebon Jeruk Rukan Kencana Niaga 17 April 2025
Kebon Jeruk Sub-Branch Office blok D1 No. 3P, Meruya Utara, April 17, 2025
Kebon Jeruk, Jakarta Barat
11730
KCP Wisma Indocement Jl. Jend. Sudirman 17 Oktober 2025
Wisma Indocement Sub-Branch Office Kav. 70-71, lantai 12, Jakarta October 17, 2025
Selatan 12910
Sedangkan 2 (dua) jaringan kantor cabang yang telah Meanwhile, the 2 (two) branch office networks that have
direlokasi terdiri dari: been relocated consist of:
Kantor Cabang Alamat Sebelumnya Alamat Relokasi
Branch Office Previous Address Relocation Address
KC Bandung Jl. Lengkong Kecil No. 12A, Jl. Sunda No.9 Kelurahan Paledang,
Bandung Branch Office Bandung 40261 Kec. Lengkong, Bandung, 40261
Telp: (022) 4209 998 Telp: (022) 4209 733
Fax: (022) 4209 615, 4208 611 Fax: (022) 4209 732
KCP Cikarang Thamrin Jl. MH. Thamrin, Komp. Ruko Thamrin Jl. MH. Thamrin, Komp. Ruko Thamrin
Cikarang Thamrin Sub-Branch Office blok B-3, Cibatu, Cikarang Selatan, blok B-9, Cibatu, Cikarang Selatan,
Bekasi, 17530 Bekasi 17530
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Profil Perusahaan • Company Profile PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 89
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Profil Perusahaan • Company Profile
Struktur Organisasi Remuneration &
Nomination Commitee
Organizational Structure
Risk Monitoring Commitee
Audit Commitee
Business Director Credit Director
(Edwin Rudianto) (Park Jin Je)
Internal Audit SME & Corporate Banking
Executive Credit Review
Division Head Division Head (Roh Jeong Hoon)
(Astrina) (Probo Abhirama)
SME & Corporate Banking
HO Audit Department Head
Department Head
Credit Review I
(Bramanti Bayu Y.)
-
Division Head
(Rizweni Oktavia)
Branch Audit Department Head
Syndication & Wholesale Credit Review I
(Dea Ardies S.)
Department Head
Banking Division Head (Ikhwan Hidayat)
(Handry Husein)
Strategic Planning Syndication & Wholesale
Division Head Banking Department Head Credit Review II
(Lee Hyoungseok) (Mei Riana)
Division Head
-
Strategic Planning
Department Head Korean Business Banking Credit Review II
Department Head
(Afrizal Ade L.)
Division Head
(Timothy Maartenz M.)
(Park Jinwook)
Credit Recovery
Retail Banking & Sales Division Head
Distribution Division Head (Muhamad Riki)
(Yuda Adrian)
Retail Banking & Sales
Distribution Department Head
Credit Support
(Hardi Rahmat G.)
Division Head
(B Ronald Aris)
International Banking Credit Support
Department Head
Division Head (Valerie Wishing)
(Jung You Jin)
International Banking
Department Head
(Marlon Adolf)
Treasury Division Head
(AA Ananda Krishna)
Treasury Department Head
(Randhy Wicaksono)
Proprietary Department Head
(Tommy Anggara)
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Profil Perusahaan • Company Profile
Credit Commitee
Asset & Liabilities
Shareholder General Meeting
Commitee (ALCO)
Borad of Commissioner Risk Management Commitee
IT Commitee
President Director
(Oh In Taek)
Operation Director Compliance Director
(Andreas Mikhael Sumual) (Alexander Frans Rori)
PJS. HR Division Head Compliance Division Head IT Group Head Finance Group Head
(Ruth D Sianturi) (Krisna Budi S,) (Bae Woonghee) (Kim Ki Hyun)
HR Development Compliance Financial Planning,
Department Head Department Head
IT Strategic
Accounting & Reporting
Division Head
- (Dory Meisandy) Division Head
-
(Sigit Indra P.)
HR Operation AML & CFT
Department Head Department Head IT Planning & Control Finacial Planning
(Rika Kemala S.) (Yogi Aria Putra) Department Head Department Head
(Taopik Hidayat) -
Risk Management IT Infrastructure Accounting
Operation Division Head Department Head Department Head
(Yustika Rusnanda)
Division Head (Sarjono) (Deddy Pranata S.)
(Robert Olof)
Reporting
CBO Operational, Market & Department Head
Department Head Liquid Risk Management IT Operation
(Avis Rolandi)
(Ari Wibisono) Department Head Division Head
(Herdaru Wisnumurti P.) (Hendrikus Alexander)
Operation Dev.
Department Head Credit & Other Risk IT Non Core Banking
PLT. GA & Budget
(Waskito) Department Head Department Head Division Head
(Dedi Hermawan) (Arken Abdullah) (Yustika Rusnanda)
IT Core Banking Budget & Fixed Asset
Corporate Secretary & Department Head Department Head
Legal Division Head (Elly Permana) -
(Sri Suhartin)
Digital Banking GA & Tax
Department Head Department Head
Corporate Secretary (Martin Luther P.) (Reza Pramana D.)
Department Head
(Daniel Sitohang)
Legal Department Head
(Evan Johanes H.)
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 91
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Profil Perusahaan • Company Profile
Perubahan Komposisi Direksi Tahun 2025
Changes to The Composition of The Board of Directors in 2025
Berdasarkan keputusan pemegang saham dalam Rapat Based on shareholder resolutions at the 2025 Annual
Umum Pemegang Saham Tahunan (RUPST) 2025 General Meeting of Shareholders (AGMS) on June 20,
pada tanggal 20 Juni 2025, Bank melakukan perubahan 2025, the Bank made changes to the composition of
komposisi Direksi. Perubahan ini menjadi bagian dari upaya the Board of Directors. This change is part of the Bank’s
Bank untuk memperkuat kepemimpinan, meningkatkan efforts to strengthen leadership, improve management
efektivitas manajemen, serta memastikan arah strategis effectiveness, and ensure strategic direction aligned
yang selaras dengan tujuan pertumbuhan yang with sustainable growth objectives. The following is a
berkelanjutan. Berikut kronologis perubahan komposisi chronology of changes to the composition of the Bank’s
Direksi Bank sepanjang 2025: Board of Directors throughout 2025:
Periode 1 Januari-20 Juni 2025
January 1-June 20, 2025 Period
Nama Jabatan Dasar Pengangkatan Masa dan Periode Jabatan
No
Name Position Legal Basis of Appointment Term of Office
1 Oh In Taek Direktur Utama Akta Pernyataan Keputusan Rapat Periode ke-1
President Director Perseroan No. 74 tanggal 13 Februari 13 Februari 2024 sampai dengan
2024 ditutupnya RUPST tahun 2027.
Deed of Statement of Company
Meeting Resolutions No. 74 dated 1st Period
February 13, 2024 February 13, 2024-until the closing of
the 2027 AGMS.
2 Lee Dae Sung Direktur Akta Pernyataan Keputusan Rapat Periode ke-2
Director Perseroan No. 11 tanggal 11 Juni 2024 11 Juni 2024-20 Juni 2025.
Deed of Statement of Company
Meeting Resolutions No. 11 dated 2nd Period
June 11, 2024 June 11, 2024-June 20, 2025.
3 Maria Cortilia Vera Afianti Direktur Akta Pernyataan Keputusan Rapat Periode ke-2
Director Perseroan No. 20 tanggal 3 Juni 2022 3 Juni 2022-20 Juni 2025.
Deed of Statement of Company
Meeting Resolutions No. 20 dated 2nd Period
June 3, 2022 June 3, 2022-June 20, 2025.
4 Edwin Rudianto Direktur Akta Pernyataan Keputusan Rapat Periode ke-1
Director Perseroan No. 133 tanggal 27 Februari 9 Februari 2023 sampai dengan
2023 ditutupnya RUPST tahun 2026.
Deed of Statement of Company
Meeting Resolutions No. 133 dated 1st Period
February 27, 2023 February 9, 2023-until the closing of
the 2026 AGMS.
5 Alexander Frans Rori Direktur Akta Pernyataan Keputusan Rapat Periode ke-3
Kepatuhan Perseroan No. 264 tanggal 20 Juni 20 Juni 2025 paling lama sampai
Compliance 2025 dengan ditutupnya RUPST tahun 2030.
Director Deed of Statement of Company
Meeting Resolutions No. 264 dated 3rd Period
June 20, 2025 June 20, 2025, at the latest until the
conclusion of the 2030 AGMS.
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Profil Perusahaan • Company Profile
Periode 20 Juni 2025-31 Desember 2025
Period June 20, 2025-December 31, 2025
Nama Jabatan Dasar Pengangkatan Masa dan Periode Jabatan
No
Name Position Legal Basis of Appointment Term of Office
1 Oh In Taek Direktur utama Akta Pernyataan Keputusan Rapat Periode ke-1
President Director Perseroan No. 74 tanggal 13 Februari 13 Februari 2024 sampai dengan
2024 ditutupnya RUPST tahun 2027.
Deed of Statement of Company
Meeting Resolutions No. 74 dated 1st Period
February 13, 2024 February 13, 2024, until the closing of
the 2027 AGM
2 Park Jin Je Direktur Akta Pernyataan Keputusan Rapat Periode ke-1
Director Perseroan No. 264 tanggal 20 Juni 20 Juni 2025 paling lama sampai
2025 dengan ditutupnya RUPST tahun 2030.
Deed of Statement of Company
Meeting Resolutions No. 264 dated 1st Period
June 20, 2025 June 20, 2025, at the latest until the
conclusion of the 2030 AGMS.
3 Andreas Mikhael Sumual Direktur Akta Pernyataan Keputusan Rapat Periode ke-1
Director Perseroan No. 264 tanggal 20 Juni 10 September 2025 paling lama sampai
2025 dengan ditutupnya RUPST tahun 2030.
Deed of Statement of Company
Meeting Resolutions No. 264 dated 1st Period
June 20, 2025 September 10, 2025, at the latest until
the conclusion of the 2030 AGMS.
4 Edwin Rudianto Direktur Akta Pernyataan Keputusan Rapat Periode ke-1
Director Perseroan No. 133 tanggal 27 Februari 9 Februari 2023 sampai dengan
2023 ditutupnya RUPST tahun 2026.
Deed of Statement of Company
Meeting Resolutions No. 133 dated 1st Period
February 27, 2023 February 9, 2023, until the closing of
the 2026 AGM.
5 Alexander Frans Rori Direktur Akta Pernyataan Keputusan Rapat Periode ke-3
Kepatuhan Perseroan No. 264 tanggal 20 Juni 20 Juni 2025 paling lama sampai
Compliance 2025 dengan ditutupnya RUPST tahun 2030.
Director Deed of Statement of Company
Meeting Resolutions No. 264 dated 3rd Period
June 20, 2025 June 20, 2025, at the latest until the
conclusion of the 2030 AGMS.
Komposisi Direksi Bank telah memenuhi ketentuan POJK The composition of the Bank’s Board of Directors
No. 33/POJK.04/2014 tentang Direksi dan Dewan has complied with the provisions of POJK No. 33/
Komisaris Emiten atau Perusahaan Publik, POJK No. 37/ POJK.04/2014 concerning the Board of Directors and
POJK.03/2017 tentang Pemanfaatan Tenaga Kerja Asing Board of Commissioners of Issuers or Public Companies,
Dan Program Alih Pengetahuan di Sektor Perbankan POJK No. 37/POJK.03/2017 concerning the Utilization
serta POJK No. 17 Tahun 2023 tentang Penerapan of Foreign Workers and Knowledge Transfer Programs in
Tata Kelola Bagi Bank Umum. Kepatuhan ini menjamin the Banking Sector and POJK No. 17 of 2023 concerning
profesionalisme, akuntabilitas, dan tata kelola yang baik, the Implementation of Governance for Commercial Banks.
sekaligus mendukung efektivitas pengambilan keputusan This compliance ensures professionalism, accountability,
dan pencapaian tujuan bisnis Bank. and good governance, while supporting the effectiveness
of decision-making and the achievement of the Bank’s
business objectives.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 93
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Profil Perusahaan • Company Profile
Profil Direksi
Profile of The Board of Directors
3 4 5
1 2
1 Oh In Taek 2 Alexander 3 Andreas 4 Edwin Rudianto 5 Park Jin Je
Direktur Utama Frans Rori Mikhael Sumual Direktur Direktur
President Director Director Director
Direktur Kepatuhan Direktur
Director of Compliance Director
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Profil Perusahaan • Company Profile
Oh In Taek
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Direktur Utama
President Director 57 tahun Korea Selatan Jakarta
57 years old South Korea
DASAR PENGANGKATAN BASIS OF APPOINTMENT
Diangkat sebagai Direktur Utama berdasarkan Akta Keputusan Rapat Appointed as President Director based on the Deed of Company Meeting
Perseroan No. 74 tanggal 13 Februari 2024 sampai dengan ditutupnya Resolution No. 74 dated February 13, 2024 until the closing of the Annual
Rapat Umum Pemegang Saham Tahunan tahun 2027 dan telah dinyatakan General Meeting of Shareholders in 2027 and has been declared valid and
sah berlaku efektif terhitung sejak tanggal ditetapkannya dalam Surat effective as of the date of its stipulation in the Copy of the Decision of the
Salinan Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan No. Members of the Board of Commissioners of the Financial Services Authority
KEPR-161/D.03/2023 tanggal 13 Desember 2023 tentang Hasil Penilaian No. KEPR-161/D.03/2023 dated December 13, 2023 concerning the
Kemampuan dan Kepatutan. Results of the Fit and Proper Assessment.
PERIODE MENJABAT TERM OF OFFICE
Ke-1 (2024-2027). 1st (2024-2027)
RIWAYAT PENDIDIKAN EDUCATION
Bachelor of International Trade dari Jeonbuk National University, Korea Bachelor of International Trade from Jeonbuk National University, South
Selatan (1994). Korea (1994).
SERTIFIKASI KEAHLIAN CERTIFICATION
Sertifikasi Manajemen Risiko Perbankan Jenjang 7. Level 7 Banking Risk Management Certification.
RIWAYAT JABATAN HISTORY OF POSITIONS
• General Manager Head - Uijeongbu Branch IBK Korea (2023); • General Manager Head - Uijeongbu Branch IBK Korea (2023);
• General Manager Head - Jamsil Branch IBK Korea (2021-2023); • General Manager Head - Jamsil Branch IBK Korea (2021-2023);
• General Manager Head of Process Innovation Dept IBK Korea • General Manager Head of Process Innovation Department, IBK Korea
(2020- 2021); (2020-2021);
• General Manager Head - Incheonbukhang Branch IBK Korea (2019- 2020); • General Manager Head - Incheonbukhang Branch, IBK Korea (2019- 2020);
• General Manager Head - Hanam Gongdan Branch IBK Korea (2018- 2019); • General Manager Head - Hanam Gongdan Branch, IBK Korea (2018- 2019);
• General Manager Training Course IBK Korea (2017-2018); • General Manager Training Course, IBK Korea (2017-2018);
• Department Head - Gangdong Gangwon Regional Head Office IBK • Department Head - Gangdong Gangwon Regional Head Office, IBK
Korea (2014-2017); Korea (2014-2017);
• Department Head Internal Audit IBK Korea (2013-2014); dan • Department Head of Internal Audit, IBK Korea (2013-2014); and
• Senior Manager Branch IBK Hong Kong (2010-2012). • Senior Manager of the IBK Hong Kong Branch (2010-2012).
RANGKAP JABATAN CONCURRENT POSITION
Perseroan: The Company:
• Ketua Komite Asset - Liability (ALCO) PT Bank IBK Indonesia Tbk • Chairman of the Asset-Liability Committee (ALCO) of PT Bank IBK
2024-saat ini; Indonesia Tbk 2024-present;
• Ketua Komite Kredit PT Bank IBK Indonesia Tbk 2024-saat ini; • Chairman of the Credit Committee of PT Bank IBK Indonesia Tbk
2024-present;
• Ketua Komite Pengarah Telnologi Informasi PT Bank IBK Indonesia Tbk • Chairman of the Information Technology Steering Committee of PT Bank
2024-saat ini; dan IBK Indonesia Tbk 2024-present; and
• Anggota Komite Manajemen Risiko PT Bank IBK Indonesia Tbk 2024- • Member of the Risk Management Committee of PT Bank IBK Indonesia
saat ini. Tbk 2024-present.
Luar Perseroan: Outside the Company:
Tidak memiliki rangkap jabatan di luar Perseroan. Does not hold any concurrent positions outside the Company.
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota He has no affiliated relationship with other members of the Board of Directors,
Dewan Komisaris, maupun dengan Pemegang Saham Pengendali dan Utama, members of the Board of Commissioners, or with the Controlling and Main
baik langsung maupun tidak langsung sampai kepada pemilik individu. Shareholders, either directly or indirectly, down to the individual owners.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 95
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Profil Perusahaan • Company Profile
Lee Dae Sung*
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Direktur Kredit
Director of Credit 56 tahun Korea Selatan Jakarta
56 years old South Korea
DASAR PENGANGKATAN BASIS OF APPOINTMENT
Diangkat pertama kali sebagai Direktur berdasarkan Akta Pernyataan First appointed as Director based on Deed of Statement of Company
Keputusan Rapat Perseroan No. 41 tanggal 7 Juni 2021, dan telah Meeting Resolutions No. 41 dated June 7, 2021, and has been reappointed
dilakukan beberapa kali pengangkatan kembali sampai pada terakhir several times, most recently based on Deed No. 11 dated June 11, 2024,
berdasarkan akta No 11 tanggal 11 Juni 2024 dan telah dinyatakan sah and declared valid and effective as of the date of its stipulation in the Copy
berlaku efektif terhitung sejak tanggal ditetapkannya dalam Surat Salinan of the Decision of the Members of the Board of Commissioners of the
Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan No. KEP- Financial Services Authority No. KEP-39/PB.1/2021 dated May 28, 2021,
39/PB.1/2021 tanggal 28 Mei 2021 tentang hasil Penilaian Kemampuan concerning the results of the Fit and Proper Test.
dan Kepatutan.
PERIODE MENJABAT TERM OF OFFICE
• Ke-1 (2021-2024); dan • 1st (2021-2024); and
• Ke-2 (2024-2025). • 2nd (2024-2025).
RIWAYAT PENDIDIKAN EDUCATION
• Bachelor of Economics dari Seoul National University, Korea Selatan • Bachelor of Economics from Seoul National University, South Korea
(1995); (1995);
• Master of Business Administration (MBA) Finance & Strategy dari Tippie • Master of Business Administration (MBA) Finance & Strategy from Tippie
Business School, University of Iowa, Amerika Serikat (2006). Business School, University of Iowa, United States (2006).
SERTIFIKASI KEAHLIAN CERTIFICATION
Sertifikasi Manajemen Risiko Perbankan Jenjang 7. Level 7 Banking Risk Management Certification.
RIWAYAT JABATAN HISTORY OF POSITIONS
• Global Business Department bertanggung jawab sebagai Head of Global • The Global Business Department was responsible for Head of the Global
Strategy Team IBK Korea (2019-2021); Strategy Team at IBK Korea (2019-2021);
• Global Business Department bertanggung jawab sebagai Head of • The Global Business Department was responsible for Head of Indonesia
Indonesia Bank M&A TFT IBK Korea (2017-2019); Bank M&A TFT at IBK Korea (2017-2019);
• Global Business Department bertanggung jawab sebagai Head of Global • The Global Business Department was responsible for Head of the Global
Expansion Team IBK Korea (2013-2017); Expansion Team at IBK Korea (2013-2017);
• Chief Deputy General Manager London Branch (UK) IBK Korea (2010- • Chief Deputy General Manager of the London Branch (UK) at IBK Korea
2013); dan (2010-2013); and
• Investment Banking Department bertanggung jawab sebagai Deputy • The Investment Banking Department was responsible for Deputy General
General Manager IBK Korea (2006-2010). Manager at IBK Korea (2006-2010);.
RANGKAP JABATAN CONCURRENT POSITION
Perseroan: The Company:
• Anggota Komite Kredit PT Bank IBK Indonesia Tbk sejak tahun • Member of the Credit Committee of PT Bank IBK Indonesia Tbk since
2021-Maret 2025; dan 2021-March 2025; and
• Anggota Komite Manajemen Risiko PT Bank IBK Indonesia Tbk sejak • Member of the Risk Management Committee of PT Bank IBK Indonesia
tahun 2021-Maret 2025. Tbk since 2021-March 2025.
Luar Perseroan: Outside the Company:
Tidak memiliki rangkap jabatan diluar Perseroan. Does not hold any concurrent positions outside the Company.
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota He has no affiliated relationship with other members of the Board of Directors,
Dewan Komisaris, maupun dengan Pemegang Saham Pengendali dan Utama, members of the Board of Commissioners, or with the Controlling and Main
baik langsung maupun tidak langsung sampai kepada pemilik individu. Shareholders, either directly or indirectly, down to the individual owners.
*Beliau telah mengundurkan diri dari jabatannya efektif per tanggal 21 Maret 2025 | He has resigned from his position effective March 21, 2025.
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Profil Perusahaan • Company Profile
Park Jin Je
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Direktur Kredit
Director of Credit 51 tahun Korea Selatan Jakarta
51 years old South Korea
DASAR PENGANGKATAN BASIS OF APPOINTMENT
Diangkat sebagai Direktur berdasarkan Akta Keputusan Rapat Perseroan Appointed as Director based on the Deed of Company Meeting Resolution
No. 264 tanggal 20 Juni 2025 dan telah dinyatakan sah berlaku efektif No. 264 dated June 20, 2025 and has been declared valid and effective
terhitung sejak tanggal ditetapkannya dalam Surat Salinan Keputusan as of the date of its stipulation in the Copy of the Decision Letter of the
Anggota Dewan Komisioner Otoritas Jasa Keuangan No. KEPR- Members of the Board of Commissioners of the Financial Services Authority
42/D.03/2025 tanggal 26 Mei 2025 tentang Hasil Penilaian Kemampuan No. KEPR-42/D.03/2025 dated May 26, 2025 concerning the Results of
dan Kepatutan. the Fit and Proper Assessment.
PERIODE MENJABAT TERM OF OFFICE
Ke-1 (2025 paling lama sampai dengan ditutupnya RUPST tahun 2030). 1st (2025 at the latest until the conclusion of the 2030 AGMS).
RIWAYAT PENDIDIKAN EDUCATION
• Bachelor of Finance and Banking dari Hallym University Korea (1994); • Bachelor of Finance and Banking from Hallym University, Korea (1994);
• Master of Bachelor Financial Engineering dari KAIST, Korea (2001). • Master of Financial Engineering from KAIST, Korea (2001).
SERTIFIKASI KEAHLIAN CERTIFICATION
Sertifikasi Manajemen Risiko Perbankan Jenjang 7. Banking Risk Management Certification Level 7.
RIWAYAT JABATAN HISTORY OF POSITIONS
• General Manager IBK Korea Pre-CEO Training Course (2024-2025); • General Manager IBK Korea Pre-CEO Training Course (2024-2025);
• Chief Deputy General Manager - Bangi - yeok Branch IBK Korea (2022-2024); • Chief Deputy General Manager - Bangi - yeok Branch IBK Korea (2022-2024);
• Credit Review Division Head IBK Indonesia (2020-2022); • Credit Review Division Head IBK Indonesia (2020-2022);
• Preparatory Committee The IBK Korea (2019-2020); • Preparatory Committee of The IBK Korea (2019-2020);
• Chief Deputy General Manager - Yeouido Branch IBK Korea (2018-2019); • Chief Deputy General Manager - Yeouido Branch IBK Korea (2018-2019);
• Deputy General Manager The Private Equity Departement IBK Korea • Deputy General Manager of The Private Equity Departement IBK Korea
(2014-2018); (2014-2018);
• Deputy General Manager of Gangnam Regional Headquarters IBK Korea • Deputy General Manager of Gangnam Regional Headquarters IBK Korea
(2013-2014); (2013-2014);
• Deputy General Manager of the Private Equity Departement IBK Korea • Deputy General Manager of the Private Equity Department IBK Korea
(2009-2013); dan (2009-2013); and
• Assistant Manager of Private Equity Fund Department IBK Korea • Assistant Manager of Private Equity Fund Department IBK Korea
(2007-2009). (2007-2009).
RANGKAP JABATAN CONCURRENT POSITION
Perseroan: The Company:
• Anggota Komite Kredit PT Bank IBK Indonesia sejak tahun 2025; • Member of the Credit Committee of PT Bank IBK Indonesia since 2025;
• Anggota Komite Manajemen Risiko PT Bank IBK Indonesia Tbk sejak • Member of the Risk Management Committee of PT Bank IBK Indonesia
tahun 2025; dan Tbk since 2025; and
• Anggota Komite Pengarah Telnologi Informasi PT Bank IBK Indonesia Tbk • Member of the Information Technology Steering Committee of PT Bank
sejak tahun 2025. IBK Indonesia Tbk since 2025.
Luar Perseroan: Outside the Company:
Tidak memiliki rangkap jabatan diluar Perseroan. Does not hold any concurrent positions outside the Company.
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota He has no affiliated relationship with other members of the Board of Directors,
Dewan Komisaris, maupun dengan Pemegang Saham Pengendali dan Utama, members of the Board of Commissioners, or with the Controlling and Main
baik langsung maupun tidak langsung sampai kepada pemilik individu. Shareholders, either directly or indirectly, down to the individual owners.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 97
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Profil Perusahaan • Company Profile
Maria Cortilia
Vera Afianti*
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Direktur Operasional
Director of Operational 60 tahun Indonesia Tangerang Selatan
60 years old South Tangerang
DASAR PENGANGKATAN BASIS OF APPOINTMENT
Diangkat sebagai Direktur Operasional berdasarkan Akta Pernyataan Appointed as Operational Director based on the Deed of Statement of
Keputusan Rapat Perseroan No. 41 tanggal 14 Agustus 2013 dan telah Company Meeting Resolutions No. 41 dated August 14, 2013 and has
dilakukan beberapa kali pengangkatan kembali sampai pada terakhir been reappointed several times until the last one based on deed No. 20
berdasarkan akta No 20 tanggal 3 Juni 2022 dan telah dinyatakan sah dated June 3, 2022 20 dated June 3, 2022 and has been declared valid and
berlaku efektif terhitung sejak tanggal ditetapkannya dalam Surat Salinan effective as of the date of its stipulation in the Copy of the Decision of the
Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan No. Members of the Board of Commissioners of the Financial Services Authority
KEP-150/D.03/2019 tanggal 14 Agustus 2019 tentang Hasil Penilaian No. KEP-150/D.03/2019 dated August 14, 2019 concerning the Results of
Kemampuan dan Kepatutan. the Fit and Proper Assessment.
PERIODE MENJABAT TERM OF OFFICE
• Ke-1 (2019-2022); dan • 1st (2019-2022); and
• Ke-2 (2022-2025). • 2nd (2022-2025).
RIWAYAT PENDIDIKAN EDUCATION
• Sarjana Ekonomi jurusan Akuntansi dari Universitas Gadjah Mada, • Bachelor of Economics majoring in Accounting from Gadjah Mada
Yogyakarta (1991); University, Yogyakarta (1991);
• Master di bidang Manajemen Strategis dari Institut Manajemen Prasetiya • Master of Strategic Management from Prasetiya Mulya Institute of
Mulya, Jakarta (2005). Management, Jakarta (2005).
SERTIFIKASI KEAHLIAN CERTIFICATION
Sertifikasi Manajemen Risiko Perbankan Jenjang 7. Banking Risk Management Certification Level 7.
RIWAYAT JABATAN HISTORY OF POSITIONS
• Direktur Operasional PT Bank IBK Indonesia Tbk (2019-2025); • Director of Operations, PT Bank IBK Indonesia Tbk (2019-2025);
• Direktur Pengembangan Bisnis dan Operasional PT Bank Agris Tbk (2013-2019); • Director of Business Development and Operations, PT Bank Agris Tbk (2013-2019);
• Kepala Divisi Pengembangan Bisnis dan Produk PT Bank Agris Tbk (2013); • Head of the Business and Product Development Division, PT Bank Agris Tbk (2013);
• Direktur Operasional PT Dyviacom Intrabumi Tbk (2009-2012); • Director of Operations, PT Dyviacom Intrabumi Tbk (2009-2012);
• Advisor Personal Banking PT Bank Central Asia Tbk, Kantor Pusat • Personal Banking Advisor, PT Bank Central Asia Tbk, Head Office
(2007-2009); (2007-2009);
• Kepala Operasional Cabang Korporasi BCA Sudirman Jakarta (2005-2007); • Head of Operations, BCA Sudirman Corporate Branch, Jakarta (2005-2007);
• Wakil Kepala Kantor Cabang Utama PT Bank Central Asia Tbk, Cabang • Deputy Head of the Main Branch, PT Bank Central Asia Tbk, Daan Mogot
Daan Mogot, Jakarta (2002-2005); Branch, Jakarta (2002-2005);
• Kepala Cabang Pembantu PT Bank Central Asia Tbk, Cabang Kemang, • Assistant Branch Manager, PT Bank Central Asia Tbk, Kemang Branch,
Jakarta (2001); dan Jakarta (2001); and
• Management Development Program hingga selanjutnya dipercaya • Management Development Program, and subsequently entrusted with
menduduki berbagai penugasan strategis, termasuk membantu proses various strategic assignments, including assisting with the system
konversi sistem sebagai Manajer dan Pengawas Sistem Prosedur, serta conversion process as a System Procedure Manager and Supervisor,
menjabat sebagai Pemimpin Cabang di Permata Hijau dan Kemang pada and serving as Branch Manager in Permata Hijau and Kemang at
PT Bank Central Asia Tbk (1991-2002). PT Bank Central Asia Tbk (1991-2002).
RANGKAP JABATAN CONCURRENT POSITION
Perseroan: The Company:
• Anggota Komite Manajemen Risiko PT Bank IBK Indonesia Tbk sejak • Member of the Risk Management Committee of PT Bank IBK Indonesia
tahun 2019-2025; dan Tbk since 2019-2025; and
• Anggota Komite Pengarah Telnologi Informasi PT Bank IBK Indonesia Tbk • Member of the Information Technology Steering Committee of PT Bank
sejak tahun 2019-2025. IBK Indonesia Tbk since 2019-2025.
Luar Perseroan: Outside the Company:
Tidak memiliki rangkap jabatan diluar Perseroan. Does not hold any concurrent positions outside the Company.
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota She has no affiliated relationship with other members of the Board of Directors,
Dewan Komisaris, maupun dengan Pemegang Saham Pengendali dan Utama, members of the Board of Commissioners, or with the Controlling and Main
baik langsung maupun tidak langsung sampai kepada pemilik individu. Shareholders, either directly or indirectly, down to the individual owners.
*Beliau telah habis masa jabatannya sebagai Direktur | Her term of office as Director has expired.
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Profil Perusahaan • Company Profile
Andreas Mikhael
Sumual**
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Direktur Operasional
Director of Operational 53 tahun Indonesia Jakarta
53 years old
DASAR PENGANGKATAN BASIS OF APPOINTMENT
Diangkat sebagai Direktur berdasarkan Akta Pernyataan Keputusan Appointed as Director based on Deed of Statement of Company Meeting
Rapat Perseroan No. 264 tanggal 20 Juni 2025 dan telah dinyatakan sah Resolutions No. 264 dated June 20, 2025, and declared valid and effective
berlaku efektif terhitung sejak tanggal ditetapkannya dalam Surat Salinan as of the date of its stipulation in the Copy of the Decision of the Members of
Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan No. KEPR- the Board of Commissioners of the Financial Services Authority No. KEPR-
141/D.03/2025 tanggal 10 September 2025 tentang Hasil Penilaian 141/D.03/2025 dated September 10, 2025, concerning the Results of the
Kemampuan dan Kepatutan. Fit and Proper Test.
PERIODE MENJABAT TERM OF OFFICE
Ke-1 (2025 paling lama sampai dengan ditutupnya RUPST tahun 2030). 1st (2025 at the latest until the conclusion of the 2030 AGMS).
RIWAYAT PENDIDIKAN EDUCATION
Sarjana Ekonomi jurusan Manajemen Keuangan dari Universitas Indonesia Bachelor of Economics majoring in Financial Management from the
(1997). University of Indonesia (1997).
SERTIFIKASI KEAHLIAN CERTIFICATION
• Sertifikasi Manajemen Risiko Perbankan Jenjang 7; serta • Level 7 Banking Risk Management Certification; and
• Sertifikasi Manajemen Risiko Perbankan Jenjang 6. • Level 6 Banking Risk Management Certification.
RIWAYAT JABATAN HISTORY OF POSITIONS
• Operation Division Head PT Bank IBK Indonesia Tbk (April-September 2025); • Operation Division Head PT Bank IBK Indonesia Tbk (April-September 2025);
• Anggota Komite Remunerasi dan Nominasi PT Bank IBK Indonesia Tbk • Member of the Remuneration and Nomination Committee of PT Bank IBK
sejak (2022-2025) Indonesia Tbk (2022-2025)
• HR Division Head PT Bank IBK Indonesia Tbk (2022-2025); • HR Division Head PT Bank IBK Indonesia Tbk (2022-2025);
• SVP B, HR Business Partner Smartfren Telecom (Sekarang XL Smart) • SVP B, HR Business Partner Smartfren Telecom (Now XL Smart) (2019-
(2019-2020); 2020);
• VP HR Generalist Citibank N.A (2014-2019); • VP HR Generalist Citibank N.A (2014-2019);
• VP HR Industrial Relation Manager Citibank N.A (2015); • VP HR Industrial Relations Manager Citibank N.A (2015);
• Deputy VP HR Business Unit Control, VP (PIC) Citibank N.A., Indonesia • Deputy VP HR Business Unit Control, VP (PIC) Citibank N.A., Indonesia
(2015); (2015);
• VP Manager Business Partner Sales & Marketing PT HM Sampoerna • VP Business Partner Sales & Marketing Manager PT HM Sampoerna
Tbk., Indonesia (2011-2014); Tbk., Indonesia (2011-2014);
• AVP HR Business Partner and Employee Relation Commonwealth Bank, • AVP HR Business Partner and Employee Relations Commonwealth Bank,
Indonesia (2010-2011); Indonesia (2010-2011);
• Manager HR Business Partner and Industrial Relation Bank Amro (2007- • Manager HR Business Partner and Industrial Relations Bank Amro (2007-
2010); 2010);
• Manager Payroll and Compensation Royal Bank of Scotland (d.h. ABN • Manager Payroll and Compensation Royal Bank of Scotland (formerly
Bank Amro (2004-2006); dan ABN Bank Amro (2004-2006); and
• Assistant Manager Compensation and Benefit HSBC Indonesia (1997-2004). • Assistant Manager Compensation and Benefits HSBC Indonesia (1997-2004).
RANGKAP JABATAN CONCURRENT POSITION
Perseroan: The Company:
• Anggota Komite Manajemen Risiko PT Bank IBK Indonesia Tbk sejak • Member of the Risk Management Committee of PT Bank IBK Indonesia
tahun 2025-saat ini; dan Tbk since 2025-present; and
• Anggota Komite Pengarah Telnologi Informasi PT Bank IBK Indonesia Tbk • Member of the Information Technology Steering Committee of PT Bank
sejak tahun 2025-saat ini. IBK Indonesia Tbk since 2025-present.
Luar Perseroan: Outside the Company:
Tidak memiliki rangkap jabatan diluar Perseroan. Does not hold any concurrent positions outside the Company.
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota He has no affiliated relationship with other members of the Board of Directors,
Dewan Komisaris, maupun dengan Pemegang Saham Pengendali dan Utama, members of the Board of Commissioners, or with the Controlling and Main
baik langsung maupun tidak langsung sampai kepada pemilik individu. Shareholders, either directly or indirectly, down to the individual owners.
**Beliau bergabung sebagai anggota Direksi efektif per tanggal 15 September 2025 | He joined as a member of the Board of Directors effective September 15, 2025.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 99
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Edwin
Rudianto
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Direktur Bisnis
Director of Business 57 tahun Indonesia Tangerang Selatan
57 years old South Tangerang
DASAR PENGANGKATAN BASIS OF APPOINTMENT
Diangkat sebagai Direktur berdasarkan Akta Pernyataan Keputusan Rapat Appointed as Director based on Deed of Statement of Company Meeting
Perseroan No. 133 tanggal 27 Februari 2023 dan telah dinyatakan sah Resolutions No. 133 dated February 27, 2023, and declared valid and
berlaku efektif terhitung sejak tanggal ditetapkannya dalam Surat Salinan effective as of the date of its stipulation in the Copy of the Decision of the
Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan No. Members of the Board of Commissioners of the Financial Services Authority
KEP-18/D.03/2023 tanggal 9 Februari 2023 tentang Hasil Penilaian No. KEP-18/D.03/2023 dated February 9, 2023, concerning the Results of
Kemampuan dan Kepatutan. the Fit and Proper Test.
PERIODE MENJABAT TERM OF OFFICE
Ke-1 (2023-2026). 1st (2023-2026).
RIWAYAT PENDIDIKAN EDUCATION
• Bachelor of Business Administration dari Bloomsburg University of • Bachelor of Business Administration from Bloomsburg University of
Pennsylvania, Amerika Serikat (1994); dan Pennsylvania, United States (1994); and
• Master of Business Administration dari University of Baltimore, Amerika • Master of Business Administration from the University of Baltimore,
Serikat (1995). United States (1995).
SERTIFIKASI KEAHLIAN CERTIFICATION
Sertifikasi Manajemen Risiko Perbankan jenjang 7. Banking Risk Management Certification, Level 7.
RIWAYAT JABATAN HISTORY OF POSITIONS
• SVP Kepala Divisi Transaction Banking PT Bank INA Perdana Tbk (2022); • Senior Vice President, Head of Transaction Banking Division, PT Bank
INA Perdana Tbk (2022);
• SVP - Head of Business Banking PT Bank HSBC Indonesia (2017- • Senior Vice President - Head of Business Banking, PT Bank HSBC
2021); Indonesia (2017-2021);
• SVP - Head of Business Banking PT Bank Ekonomi Raharja (HSBC • Senior Vice President - Head of Business Banking, PT Bank Ekonomi
Group) (2013-2017); Raharja (HSBC Group) (2013-2017);
• SVP - Head of Global Transaction Banking PT Bank Ekonomi Raharja • Senior Vice President - Head of Global Transaction Banking, PT Bank
(HSBC Group) (2010-2013); Ekonomi Raharja (HSBC Group) (2010-2013);
• SVP - Head of Trade PT Bank Barclays Indonesia (2009-2010); • Senior Vice President - Head of Trade, PT Bank Barclays Indonesia
(2009-2010);
• SVP - Head of Transaction Banking Product Management & Trade FI • Senior Vice President - Head of Transaction Banking Product Management
PT Bank Danamon Indonesia Tbk (2007-2009); serta & Trade FI, PT Bank Danamon Indonesia Tbk (2007-2009); and
• VP - Head of Middle Office Trade Service PT Bank HSBC Indonesia • Vice President - Head of Middle Office Trade Service, PT Bank HSBC
(2005-2007). Indonesia (2005-2007).
RANGKAP JABATAN CONCURRENT POSITION
Perseroan: The Company:
• Anggota Komite Manajemen Risiko PT Bank IBK Indonesia Tbk sejak • Member of the Risk Management Committee of PT Bank IBK Indonesia
tahun 2023-saat ini; Tbk since 2023-present;
• Anggota Komite Pengarah Teknologi Informasi PT Bank IBK Indonesia Tbk • Member of the Information Technology Steering Committee of PT Bank
sejak tahun 2023-saat ini; dan IBK Indonesia Tbk since 2023-present; and
• Anggota Komite Asset - Liability (ALCO) PT Bank IBK Indonesia Tbk sejak • Member of the Asset-Liability Committee (ALCO) of PT Bank IBK
tahun 2023-saat ini. Indonesia Tbk since 2023-present.
Luar Perseroan: Outside the Company:
Tidak memiliki rangkap jabatan diluar Perseroan. Does not hold any concurrent positions outside the Company.
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota He has no affiliated relationship with other members of the Board of Directors,
Dewan Komisaris, maupun dengan Pemegang Saham Pengendali dan Utama, members of the Board of Commissioners, or with the Controlling and Main
baik langsung maupun tidak langsung sampai kepada pemilik individu. Shareholders, either directly or indirectly, down to the individual owners.
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Profil Perusahaan • Company Profile
Alexander
Frans Rori
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Direktur Kepatuhan
Compliance Director 60 tahun Indonesia Tangerang Selatan
60 years old South Tangerang
DASAR PENGANGKATAN BASIS OF APPOINTMENT
Diangkat kembali sebagai Direktur Kepatuhan berdasarkan Akta Keputusan Reappointed as Compliance Director based on the Deed of Company
Rapat Perseroan No. 43 tanggal 5 September 2019 dan telah dilakukan Meeting Resolution No. 43 dated September 5, 2019 and has been
beberapa kali pengangkatan kembali sampai pada terakhir berdasarkan akta reappointed several times until the last based on deed No. 264 dated June
No. 264 tanggal 20 Juni 2025 telah dinyatakan sah berlaku efektif terhitung 20, 2025 has been declared valid and effective as of the date of stipulation
sejak tanggal ditetapkannya dalam Surat Salinan Keputusan Anggota Dewan in the Copy of the Decision of the Members of the Board of Commissioners
Komisioner Otoritas Jasa Keuangan No. KEP-148/D.03/2019 tanggal 14 of the Financial Services Authority No. KEP-148/D.03/2019 dated August
Agustus 2019 tentang Hasil Penilaian Kemampuan dan Kepatutan. 14, 2019 concerning the Results of the Fit and Proper Test.
PERIODE MENJABAT TERM OF OFFICE
• Ke-1 (2019-2022); • 1st (2019-2022);
• Ke-2 (2022-2025); dan • 2nd (2022-2025); and
• Ke-3 (2025 paling lama sampai dengan ditutupnya RUPST tahun 2030). • 3rd (2025 at the latest until the conclusion of the 2030 AGMS).
RIWAYAT PENDIDIKAN EDUCATION
Sarjana jurusan Manajemen dari Universitas Sam Ratulangi, Manado Bachelor’s degree in Management from Sam Ratulangi University, Manado
(1990). (1990).
SERTIFIKASI KEAHLIAN CERTIFICATION
• Sertifikasi Manajemen Risiko Perbankan Jenjang 7; • Level 7 Banking Risk Management Certification;
• Sertifikasi Kepatuhan Jenjang 7; dan • Level 7 Compliance Certification; and
• Sertifikasi APU-PPT Jenjang 7. • Level 7 AML-CFT Certification.
RIWAYAT JABATAN HISTORY OF POSITIONS
• Direktur Kepatuhan PT Bank Mitraniaga Tbk (2006-2019); • Compliance Director of PT Bank Mitraniaga Tbk (2006-2019);
• Staf Khusus Direksi (Pejabat Eksekutif) PT Bank Harfa Kantor Pusat • Special Staff to the Board of Directors (Executive Officer) of PT Bank
(2005-2006); Harfa Head Office (2005-2006);
• Deputi Direktur Pemasaran dan Kredit (Pejabat Eksekutif) PT Bank Harfa • Deputy Director of Marketing and Credit (Executive Officer) of PT Bank
Kantor Pusat (2003-2004); Harfa Head Office (2003-2004);
• Pemimpin Kelompok Pemasaran dan Kredit (Pejabat Eksekutif) PT Bank • Marketing and Credit Group Leader (Executive Officer) of PT Bank Harfa
Harfa Kantor Pusat (1999-2003); dan Head Office (1999-2003); and
• Pemimpin Cabang (Pejabat Eksekutif) PT Bank Harfa Cabang Malang • Branch Manager (Executive Officer) of PT Bank Harfa Malang Branch
(1998-1999). (1998-1999).
RANGKAP JABATAN CONCURRENT POSITION
Perseroan: The Company:
• Ketua Komite Manajemen Risiko PT Bank IBK Indonesia Tbk sejak tahun • MChairman of the Risk Management Committee of PT Bank IBK
2019-saat ini; Indonesia Tbk since 2019-present;
• Anggota Komite Pengarah Telnologi Informasi PT Bank IBK Indonesia Tbk • Member of the Information Technology Steering Committee of PT Bank
sejak tahun 2019-saat ini; dan IBK Indonesia Tbk since 2019-present; and
• Anggota Komite Asset - Liability (ALCO) PT Bank IBK Indonesia Tbk sejak • Member of the Asset-Liability Committee (ALCO) of PT Bank IBK
tahun 2019-saat ini. Indonesia Tbk since 2019-present.
Luar Perseroan: Outside the Company:
Tidak memiliki rangkap jabatan di luar Perseroan. Does not hold any concurrent positions outside the Company.
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota He has no affiliated relationship with other members of the Board of Directors,
Dewan Komisaris, maupun dengan Pemegang Saham Pengendali dan Utama, members of the Board of Commissioners, or with the Controlling and Main
baik langsung maupun tidak langsung sampai kepada pemilik individu. Shareholders, either directly or indirectly, down to the individual owners.
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Profil Perusahaan • Company Profile
Perubahan Komposisi
Dewan Komisaris Tahun 2025
Changes to The Composition of The Board of Commissioners in 2025
Berdasarkan keputusan pemegang saham dalam RUPST Based on the shareholders’ resolution at the 2025
2025 yang diselenggarakan pada tanggal 20 Juni 2025, AGMS held on June 20, 2025, the composition of the
komposisi Dewan Komisaris Bank tidak mengalami Bank’s Board of Commissioners remained unchanged
perubahan sepanjang tahun ini. Dengan susunan Dewan throughout the year. With the current composition of
Komisaris saat ini, Bank memastikan bahwa komposisi the Board of Commissioners, the Bank ensures that
tersebut telah sesuai dengan POJK No. 33/POJK.04/2014 the composition complies with OJK Regulation No. 33/
tentang Direksi dan Dewan Komisaris Emiten atau POJK.04/2014 concerning the Board of Directors and
Perusahaan Publik, serta POJK No. 17 Tahun 2023 tentang Board of Commissioners of Issuers or Public Companies,
Penerapan Tata Kelola Bagi Bank Umum. as well as OJK Regulation No. 17 of 2023 concerning
the Implementation of Good Corporate Governance for
Commercial Banks.
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Profil Perusahaan • Company Profile
Profil Dewan Komisaris
Profile of The Board of Commissioners
4 2 3
1
1 Taufik Hakim 2 Ko Dae Jin 3 Damal Bayu Utama 4 Joni Swastanto
Komisaris Utama (Independen) Komisaris Komisaris Independen Komisaris Independen
President Commissioner (Independent) Commissioner Independent Commissioner Independent Commissioner
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 103
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Profil Perusahaan • Company Profile
Taufik Hakim
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Komisaris Utama (Independen)
President Commissioner (Independent) 61 tahun Indonesia Bekasi
61 years old
DASAR PENGANGKATAN BASIS OF APPOINTMENT
Diangkat pertama kali sebagai Komisaris Utama (Independen) berdasarkan First appointed as President Commissioner (Independent) based on the
Akta Pernyataan Keputusan Rapat Perseroan No. 20 tanggal 3 Juni Deed of Statement of Company Meeting Resolutions No. 20 dated June
2022, dan telah dilakukan beberapa kali pengangkatan kembali sampai 3, 2022, and has been reappointed several times until the last one based
pada terakhir berdasarkan akta No. 264 tanggal 20 Juni 2025 dan telah on deed No. 264 dated June 20, 2025 and has been declared valid and
dinyatakan sah berlaku efektif terhitung sejak tanggal ditetapkannya effective as of the date of stipulation in the Copy of Decision Letter of
dalam Surat Salinan Keputusan Anggota Dewan Komisioner Otoritas Jasa Members of the Board of Commissioners of the Financial Services Authority
Keuangan No. KEP-108/D.03/2022 tanggal 7 Juli 2022 tentang Hasil No. KEP-108/D.03/2022 dated July 7, 2022 concerning the Results of the
Penilaian Kemampuan dan Kepatutan. Fit and Proper Assessment.
PERIODE MENJABAT TERM OF OFFICE
• Ke-1 (2022-2025); dan • 1st (2022-2025); and
• Ke-2 (2025 paling lama sampai dengan ditutupnya RUPST tahun 2030). • 2nd (2025 at the latest until the conclusion of the 2030 AGMS).
RIWAYAT PENDIDIKAN EDUCATION
Sarjana jurusan Sosial Ekonomi Pertanian dari Institut Pertanian Bogor, Jawa Bachelor’s degree in Agricultural Socioeconomics from the Bogor
Barat (1989). Agricultural Institute, West Java (1989).
SERTIFIKASI KEAHLIAN CERTIFICATION
Sertifikasi Manajemen Risiko Perbankan jenjang 7. Level 7 Banking Risk Management Certification.
RIWAYAT JABATAN HISTORY OF POSITIONS
• Anggota Komite Pemantauan Risiko PT Bank Permata Tbk (2018- 2025); • Member of the Risk Monitoring Committee of PT Bank Permata Tbk
(2018-2025);
• Komisaris PT Inovasi Finansial Indonesia (2017-2022); • Commissioner of PT Inovasi Finansial Indonesia (2017-2022);
• Direktur Kepatuhan dan Manajemen Risiko PT BPD Banten Tbk (2016 2017); • Director of Compliance and Risk Management of PT BPD Banten Tbk
(2016-2017);
• Direktur Kepatuhan dan Manajemen Risiko PT Bank Banten Indonesia Tbk • Director of Compliance and Risk Management of PT Bank Banten
d/h Bank Pundi 2013-2016); Indonesia Tbk (formerly Bank Pundi 2013-2016);
• Direktur Standarisasi Lembaga Sertifikasi Profesi Perbankan (LSPP) • Director of Standardization of the Banking Professional Certification
(2011-2013); Institute (LSPP) (2011-2013);
• Direktur Risk Management PT Bank BTPN Tbk (2008-2010); • Director of Risk Management of PT Bank BTPN Tbk (2008-2010);
• Direktur Kepatuhan dan Manajemen Risiko PT Bank BTPN Tbk • Director of Compliance and Risk Management of PT Bank BTPN Tbk
(2006-2008); (2006-2008);
• Direktur Keuangan dan Perencanaan PT Bank BTPN (2005-2006); • Director of Finance and Planning of PT Bank BTPN (2005-2006);
• Vice President, Kepala Bagian Risk Management Saham dan Kredit • Vice President, Head of the Stock and Credit Risk Management Division
PT Perusahaan Pengelola Aset (PPA) Persero (2004-2005); dan of PT Perusahaan Pengelola Aset (PPA) Persero (2004-2005); and
• Vice President, Kepala Group Sistem Prosedur dan Kepatuhan (SPK) • Vice President, Head of the Banking Procedures and Compliance Systems
Perbankan dan Manajemen Badan Penyehatan Perbankan (BPPN) (SPK) Group and Management of the Indonesian Bank Restructuring
(2000-2004). Agency (IBRA) (2000-2004).
RANGKAP JABATAN CONCURRENT POSITION
Perseroan: The Company:
• Anggota Komite Pemantau Risiko PT Bank IBK Indonesia Tbk sejak tahun • Member of the Risk Monitoring Committee of PT Bank IBK Indonesia Tbk
2019-2022; from 2019-2022;
• Ketua Komite Pemantau Risiko PT Bank IBK Indonesia Tbk sejak tahun • Chairman of the Risk Monitoring Committee of PT Bank IBK Indonesia
2022-saat ini; dan Tbk since 2022-present; and
• Ketua Komite Remunerasi dan Nominasi Bank IBK Indonesia Tbk sejak • Chairman of the Remuneration and Nomination Committee of Bank IBK
tahun 2022-saat ini. Indonesia Tbk since 2022-present.
Luar Perseroan: Outside the Company:
Tidak memiliki rangkap jabatan diluar Perseroan. Does not hold any concurrent positions outside the Company.
PERNYATAAN INDEPENDENSI STATEMENT OF INDEPENDENCE
Beliau diangkat sebagai Komisaris Utama (Independen) untuk periode kedua He was appointed as the Main Commissioner (Independent) for the
sehingga belum memiliki kewajiban untuk menandatangani surat pernyataan second period so he does not yet have the obligation to sign a statement of
independensi sebagaimana dipersyaratkan bagi Komisaris Independen yang independence as required for Independent Commissioners who have served
telah menjabat selama lebih dari 2 (dua) periode. for more than 2 (two) periods.
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota He has no affiliations with members of the Board of Directors, other members
Dewan Komisaris, maupun dengan Pemegang Saham Pengendali dan Utama, of the Board of Commissioners, or with the Main and Controlling Shareholders,
baik langsung maupun tidak langsung sampai kepada pemilik individu. either directly or indirectly up to individual owners
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Profil Perusahaan • Company Profile
Ko Dae Jin
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Komisaris
Commissioner 62 tahun Korea Selatan Korea Selatan
62 years old South Korea South Korea
DASAR PENGANGKATAN BASIS OF APPOINTMENT
Diangkat pertama kali sebagai Komisaris berdasarkan Akta No. 23 tanggal First appointed as Commissioner based on deed No. 23 dated September 3,
3 September 2024 dan telah dinyatakan sah berlaku efektif terhitung sejak 2024 and has been declared valid and effective as of the date of stipulation
tanggal ditetapkannya dalam Surat Salinan Keputusan Anggota Dewan in the Copy of Decision Letter of Members of the Board of Commissioners
Komisioner Otoritas Jasa Keuangan No. KEPR-158/D.03/2024 tanggal 5 of the Financial Services Authority No. KEPR-158/D.03/2024 dated
Desember 2024 tentang Hasil Penilaian Kemampuan dan Kepatutan. December 5, 2024 concerning the Results of the Fit and Proper Assessment.
PERIODE MENJABAT TERM OF OFFICE
Ke-1 (2024-2027). 1st (2024-2027).
RIWAYAT PENDIDIKAN EDUCATION
• Sarjana jurusan International Trade dari Mokpo National University, Korea • Bachelor’s degree in International Trade from Mokpo National University,
Selatan (1987); South Korea (1987);
• Master Business Administration dari Helsinki School of Economics, • Master of Business Administration from Helsinki School of Economics,
Finlandia (2006). Finland (2006).
SERTIFIKASI KEAHLIAN CERTIFICATION
Sertifikasi Manajemen Risiko Perbankan jenjang 6. Level 6 Banking Risk Management Certification.
RIWAYAT JABATAN HISTORY OF POSITIONS
• Management & Business Advisor IBK Korea (2019-2023); • Management & Business Advisor of IBK Korea (2019-2023);
• Management & Business Advisor IBK Korea (Januari-Agustus 2019); • Management & Business Advisor of IBK Korea (January-August 2019);
• Head of IBK Economic Research Institute IBK Korea (2016-2019); • Head of IBK Economic Research Institute of IBK Korea (2016-2019);
• General Manager – Treasury Dept IBK Korea (2015-2016); • General Manager – Treasury Department of IBK Korea (2015-2016);
• General Manager Hong Kong Branch IBK Korea (2012-2015); • General Manager, Hong Kong Branch of IBK Korea (2012-2015);
• General Manager – Trading Dept IBK Korea (2009-2012); • General Manager – Trading Department of IBK Korea (2009-2012);
• General Manager Yeoksam Jangmi Branch IBK Korea (2007-2009); dan • General Manager, Yeoksam Jangmi Branch of IBK Korea (2007-2009);
and
• Chief Deputy General Manager – Trading Dept IBK Korea (2004-2007). • Chief Deputy General Manager – Trading Department of IBK Korea
(2004-2007).
RANGKAP JABATAN CONCURRENT POSITION
Perseroan: The Company:
• Anggota Komite Remunerasi dan Nominasi PT Bank IBK Indonesia Tbk • Member of the Remuneration and Nomination Committee of PT Bank IBK
sejak tahun 2024-saat ini; dan Indonesia Tbk since 2024-present; and
• Anggota Komite Pemantau Risiko PT Bank IBK Indonesia Tbk sejak tahun • Member of the Risk Monitoring Committee of PT Bank IBK Indonesia Tbk
2024-saat ini. since 2024-present.
Luar Perseroan: Outside the Company:
Tidak memiliki rangkap jabatan diluar Perseroan. Does not hold any concurrent positions outside the Company.
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota He has no affiliations with members of the Board of Directors, other members
Dewan Komisaris, maupun dengan Pemegang Saham Pengendali dan Utama, of the Board of Commissioners, or with the Main and Controlling Shareholders,
baik langsung maupun tidak langsung sampai kepada pemilik individu. either directly or indirectly up to individual owners
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Profil Perusahaan • Company Profile
Damal Bayu
Utama
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Komisaris Independen
Independent Commissioner 62 tahun Indonesia Bekasi
62 years old
DASAR PENGANGKATAN BASIS OF APPOINTMENT
Diangkat pertama kali sebagai Komisaris Independen berdasarkan Akta First appointed as Commissioner Independent based on the Deed of
Pernyataan Keputusan Rapat Perseroan No. 20 tanggal 3 Juni 2022, dan Statement of Company Meeting Resolutions No. 20 dated June 3, 2022,
yang mana telah dilakukan beberapa kali pengangkatan kembali dan yang and has been reappointed several times until the last one based on deed
terakhir berdasarkan akta 264 tanggal 20 Juni 2025 dan telah dinyatakan No. 264 dated June 20, 2025 and has been declared valid and effective
sah berlaku efektif terhitung sejak tanggal ditetapkannya dalam Surat Salinan as of the date of stipulation in the Copy of Decision Letter of Members of
Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan No. KEP- the Board of Commissioners of the Financial Services Authority No. KEP-
110/D.03/2022 tanggal 7 Juli 2022 tentang Hasil Penilaian Kemampuan 110/D.03/2022 dated July 7, 2022 concerning the Results of the Fit and
dan Kepatutan. Proper Assessment.
PERIODE MENJABAT TERM OF OFFICE
• Ke-1 (2022-2025); dan • 1st (2022-2025); and
• Ke-2 (2025 paling lama sampai dengan ditutupnya RUPST tahun 2030). • 2nd (2025 at the latest until the conclusion of the 2030 AGMS).
RIWAYAT PENDIDIKAN EDUCATION
Sarjana Ilmu Sosial dan Politik jurusan Hubungan Internasional dari Bachelor’s Degree in International Relations, Faculty of Social and Political
Universitas Indonesia, Depok (1989). Sciences, Universitas Indonesia, Depok (1989).
SERTIFIKASI KEAHLIAN CERTIFICATION
• Sertifikasi Manajemen Risiko Perbankan 7; • Level 7 Banking Risk Management Certification;
• Sertifikasi Kepatuhan Jenjang 7; dan • Level 7 Compliance Certification;
• Sertifikasi APU-PPT Jenjang. • AML–CFT Certification.
RIWAYAT JABATAN HISTORY OF POSITIONS
• Anggota Komite Audit dan Anggota Komite Pemantau Risiko PT Bank IBK • Member of the Audit Committee and Member of the Risk Monitoring
Indonesia Tbk (2021-2022); Committee of PT Bank IBK Indonesia Tbk (2021-2022);
• Direktur Kepatuhan Bank MUFG Jakarta (2010-2021); dan • Compliance Director of Bank MUFG Jakarta (2010-2021); and
• Direktur Kepatuhan Bank of America N.A Jakarta (2003-2009). • Compliance Director of Bank of America N.A., Jakarta (2003.2009).
RANGKAP JABATAN CONCURRENT POSITION
Perseroan: The Company:
Ketua Komite Audit PT Bank IBK Indonesia Tbk sejak tahun 2022-saat ini. Chairman of the Audit Committee of PT Bank IBK Indonesia Tbk since
2022-present.
Luar Perseroan: Outside the Company:
Tidak memiliki rangkap jabatan diluar Perseroan. Does not hold any concurrent positions outside the Company.
PERNYATAAN INDEPENDENSI STATEMENT OF INDEPENDENCE
Beliau diangkat sebagai Komisaris Independen untuk periode ke dua He was appointed as the Main Commissioner (Independent) for the
sehingga belum memiliki kewajiban untuk menandatangani surat pernyataan second period so he does not yet have the obligation to sign a statement of
independensi sebagaimana yang dipersyaratkan bagi Komisaris Independen independence as required for Independent Commissioners who have served
yang telah menjabat selama lebih dari 2 (dua) periode. for more than 2 (two) periods.
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota He has no affiliations with members of the Board of Directors, other members
Dewan Komisaris, maupun dengan Pemegang Saham Pengendali dan Utama, of the Board of Commissioners, or with the Main and Controlling Shareholders,
baik langsung maupun tidak langsung sampai kepada pemilik individu. either directly or indirectly up to individual owners
106 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Profil Perusahaan • Company Profile
Joni
Swastanto
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Komisaris Independen
Independent Commisioner 70 tahun Indonesia Jakarta Selatan
70 years old South Jakarta
DASAR PENGANGKATAN BASIS OF APPOINTMENT
Diangkat pertama kali sebagai Komisaris Independen berdasarkan Akta First appointed as an Independent Commissioner based on Deed of
Pernyataan Keputusan Rapat Perseroan No. 20 tanggal 3 Juni 2022, dan Statement of Company Meeting Resolutions No. 20 dated June 3, 2022,
yang mana telah dilakukan beberapa kali pengangkatan kembali dan yang and has been reappointed several times, most recently based on Deed 264
terakhir berdasarkan akta 264 tanggal 20 Juni 2025 dan telah dinyatakan dated June 20, 2025, and declared valid and effective as of the date of
sah berlaku efektif terhitung sejak tanggal ditetapkannya dalam Surat Salinan its stipulation in the Copy of the Decision of the Members of the Board of
Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan No. KEP- Commissioners of the Financial Services Authority No. KEP-109/D.03/2022
109/D.03/2022 tanggal 7 Juli 2022 tentang Hasil Penilaian Kemampuan dated July 7, 2022, concerning the Results of the Fit and Proper Test.
dan Kepatutan.
PERIODE MENJABAT TERM OF OFFICE
• Ke-1 (2022-2025); dan • 1st (2022-2025); and
• Ke-2 (2025 paling lama sampai dengan ditutupnya RUPST tahun 2030). • 2nd (2025 at the latest until the conclusion of the 2030 AGMS).
KE-2 (2025-2030). EDUCATION
• Sarjana jurusan Ilmu Ekonomi dari Universitas Gadjah Mada, Yogyakarta • Bachelor’s degree in Economics from Gadjah Mada University, Yogyakarta
(1981); (1981);
• Master dari Colorado State University, Amerika Serikat (1985); dan • Master’s degree from Colorado State University, United States (1985); and
• Doktor jurusan Ilmu Ekonomi dari Universitas Indonesia, Depok (2007). • Doctorate in Economics from the University of Indonesia, Depok (2007).
SERTIFIKASI KEAHLIAN CERTIFICATION
Sertifikasi Manajemen Risiko Perbankan Jenjang 6. Level 6 Banking Risk Management Certification.
RIWAYAT JABATAN HISTORY OF POSITIONS
• Komisaris PT Bank Negara Indonesia Tbk (2016-2021); • Commissioner of PT Bank Negara Indonesia Tbk (2016-2021);
• Deputi Komisioner Manajemen Strategis 2B Otoritas Jasa Keuangan • Deputy Commissioner for Strategic Management 2B, Financial Services
(2015); Authority (2015);
• Deputi Komisioner Manajemen Strategis 1B Otoritas Jasa Keuangan • Deputy Commissioner for Strategic Management 1B, Financial Services
(2015); Authority (2015);
• Advisor Kelompok Panelis Otoritas Jasa Keuangan (2014-2015); • Advisor to the Panelist Group of Financial Services Authority (2014-2015);
• Kepala Departemen Perizinan dan Informasi Perbankan Otoritas Jasa • Head of the Banking Licensing and Information Department, Financial
Keuangan (2013-2014); Services Authority (2013-2014);
• Kepala Departemen Penelitian dan Pengembangan Perbankan Otoritas • Head of the Banking Research and Development Department, Financial
Jasa Keuangan (2013); Services Authority (2013);
• Kepala Cabang Semarang Bank Indonesia (2011-2013); • Head of the Semarang Branch of Bank Indonesia (2011-2013);
• Kepala Departemen Perizinan dan Informasi Perbankan DPIP) Bank • Head of the Banking Licensing and Information Department (DPIP) of
Indonesia (2008-2011); Bank Indonesia (2008-2011);
• Kepala Departemen Pengawasan Perbankan 3 Bank Indonesia (2008); dan • Head of the Banking Supervision Department 3, Bank Indonesia (2008); and
• Deputi Direktur Departemen Pengawasan Perbankan 3 Bank Indonesia • Deputy Director of the Banking Supervision Department 3, Bank Indonesia
(2006-2008). (2006-2008).
RANGKAP JABATAN CONCURRENT POSITION
Perseroan: The Company:
• Anggota Komite Pemantau Risiko PT Bank IBK Indonesia Tbk sejak tahun • Member of the Risk Monitoring Committee of PT Bank IBK Indonesia Tbk
2022-saat ini; dan since 2022-present; and
• Anggota Komite Audit PT Bank IBK Indonesia Tbk sejak tahun 2024- • Member of the Audit Committee of PT Bank IBK Indonesia Tbk since
saat ini. 2024-present.
Luar Perseroan: Outside the Company:
Tidak memiliki rangkap jabatan diluar Perseroan Does not hold any concurrent positions outside the Company.
PERNYATAAN INDEPENDENSI STATEMENT OF INDEPENDENCE
Beliau diangkat sebagai Komisaris Independen untuk periode kedua He was appointed as an Independent Commissioner for the second term so
sehingga belum memiliki kewajiban untuk menandatangani surat pernyataan he does not yet have the obligation to sign a statement of independence as
independensi sebagaimana yang dipersyaratkan bagi Komisaris Independen required for Independent Commissioners who have served for more than 2
yang telah menjabat selama lebih dari 2 (dua) periode. (two) terms.
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, anggota He has no affiliations with members of the Board of Directors, other members
Dewan Komisaris, maupun dengan Pemegang Saham Pengendali dan Utama, of the Board of Commissioners, or with the Main and Controlling Shareholders,
baik langsung maupun tidak langsung sampai kepada pemilik individu. either directly or indirectly up to individual owners
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Profil Perusahaan • Company Profile
Profil Singkat Pejabat Senior
Brief Profiles of Senior Officers
Berikut ini adalah daftar Pejabat Eksekutif Bank per tanggal The following is a list of the Bank’s Executive Officers as of
31 Desember 2025: December 31, 2025:
Nama Jabatan Profil Pejabat Eksekutif
No.
Name Position Profile of the Executive Officers
1. Krisna Budi Kepala Divisi Warga Negara Indonesia, Usia 52 Tahun, Domisili di Tangerang Selatan.
Sulistiyanto Kepatuhan
Head of Memperoleh gelar sarjana dari Akademi Keuangan dan Perbankan (AUB)
Compliance Surakarta (1955). Beliau memulai karirnya di PT Bank Mitraniaga dengan
Division jabatan Staff Accounting (1996-2005). Staff Kredit Reporting PT Bank Harda
Internasional (2005-2006). Compliance-AML-Planning & Budgeting PT Bank
Mitraniaga (2006-2012). Kepala Operasional KCP Salemba PT Bank Mitraniaga
Tbk (2012-2013). Kepala Bagian Kepatuhan dan APU-PPT PT Bank Mitraniaga
(2013-2019). Kepala Bagian AML CFT PT Bank IBK Indonesia Tbk (2019-2024).
Kemudian diangkat menjadi Kepala Divisi Kepatuhan sejak 2024 berdasarkan
Surat Keputusan Direksi No. 014/HRD/SK/VI/24 tanggal 04 April 2024 tentang
Penetapan Jabatan.
He earned a bachelor's degree from the Surakarta Academy of Finance and
Banking (AUB) in 1955. He began his career at PT Bank Mitraniaga as an
Accounting Staff (1996-2005). He then served as a Credit Reporting Staff at
PT Bank Harda Internasional (2005-2006). He also served as Compliance, AML,
Planning & Budgeting Officer at PT Bank Mitraniaga (2006-2012). He then served
as Head of Operations at the Salemba Branch Office of PT Bank Mitraniaga Tbk
(2012-2013). He then served as Head of Compliance and AML-PPT at PT Bank
Mitraniaga Tbk (2013-2019). He then served as Head of the AML CFT Division at
PT Bank IBK Indonesia Tbk (2019-2024).
He was then appointed as Head of the Compliance Division in 2024 based
on Board of Directors Decree No. 014/HRD/SK/VI/24 dated April 4, 2024,
concerning Position Determination.
2. Hendrikus Kepala Divisi IT Warga Negara Indonesia, Usia 55 Tahun, Domisili di Bogor.
Alexander Siwy Operation
Head of IT Memperoleh gelar sarjana dari Akademi Keuangan Perbankan (LPI) (1992).
Operation
Division Beliau memulai karirnya di PT Bank eksekutif Internasional Tbk dengan jabatan
Administrasi Kredit Staff (1992-1995). Kepala Seksi Administrasi Kredit
PT Bank eksekutif Internasional Tbk (1995-1997). Kepala Bagian Administrasi
Kredit PT Bank eksekutif Internasional Tbk (1997-2004). Kepala Bagian IT PT
Bank eksekutif Internasional Tbk (2004-2010). Kepala Bagian IT PT Bank Pundi
Indonesia Tbk (2010-2012). Kepala Bagian Elektronik Banking PT Bank Pundi
Indonesia Tbk (2012-2019). Kepala Divisi IT PT Bank Banten Tbk (2019).
Kepala Bagian IT Strategik dan Perencanaan Bank Mandiri Taspen (2019-2020).
Kemudian diangkat menjadi Kepala Divisi IT Operation sejak 2020 berdasarkan
Surat Keputusan Direksi No. 003/HRD/SK/XI/20 tanggal 2 November 2020
tentang penetapan jabatan.
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Profil Perusahaan • Company Profile
Nama Jabatan Profil Pejabat Eksekutif
No.
Name Position Profile of the Executive Officers
Indonesian citizen, 55 years old, domiciled in Bogor.
He earned a bachelor’s degree from the Banking Finance Academy (LPI) in 1992.
He began his career at PT Bank Eksekutif Internasional Tbk as a Credit
Administration Staff (1992-1995). He then served as Head of the Credit
Administration Section at PT Bank Eksekutif Internasional Tbk (1995-1997). He
then served as Head of the Credit Administration Section at PT Bank Eksekutif
Internasional Tbk (1997-2004). He then served as Head of the IT Division at PT
Bank Eksekutif Internasional Tbk (2004-2010). He then served as Head of the IT
Operations Division at PT Bank Eksekutif Internasional Tbk (2010-2012). He then
served as Head of the Electronic Banking Division at PT Bank Pundi Indonesia Tbk
(2012-2019). He then served as Head of the IT Strategic and Planning Division
at Bank Mandiri Taspen (2019-2020). He was then appointed as Head of the IT
Operations Division in 2020 based on Board of Directors’ Decree No. 003/HRD/
SK/XI/20 dated November 2, 2020 concerning the determination of positions.
3. Handry Husein Kepala Divisi Warga Negara Indonesia, Usia 53 Tahun, Domisili di Jakarta.
Syndication
& Wholesale Memperoleh Gelar Magister dari Fakultas Keuangan, STIE Labora Jakarta (2004).
Banking
Head of Beliau memulai karirnya di Bank Kesawan Jakarta dengan jabatan Kepala Urusan
Syndication Kredit dan Marketing (2004-2005). GM Credit, Treasury & Corporate Secretary
& Wholesale PT Bank Mitraniaga Tbk Jakarta (2014-2019). Strategic Planning Division Head
Banking Division. PT Bank IBK Indonesia Tbk, Jakarta (2019-2020). PJS Credit Planning Division
Head PT Bank IBK Indonesia, Jakarta (2020-2021). Credit and Strategic Planning
Division Head PT Bank IBK Indonesia Tbk, Jakarta (Agustus 2021-Desember
2021). Corporate Banking I Division Head PT Bank IBK Indonesia Tbk, Jakarta
(Desember 2021-Februari 2023). Corporate Banking II Division Head PT
Bank IBK Indonesia Tbk, Jakarta (Februari 2023-Januari 2025). Syndication
& Wholesale Banking Division Head, PT Bank IBK Indonesia Tbk (Januari
2025-sekarang). Kemudian diangkat menjadi Syndication & Wholesale Banking
Division Head melalui Surat Keputusan Direksi No. 046/HRD/SK/I/25 tanggal
21 Janunari 2025.
Indonesian citizen, 53 years old, domiciled in Jakarta.
He earned a Master's degree from the Faculty of Finance, STIE Labora Jakarta
(2004).
He began his career at Bank Kesawan Jakarta as Head of Credit and Marketing
Affairs (2004-2005). He served as General Manager of Credit, Treasury &
Corporate Secretary at PT Bank Mitraniaga Tbk Jakarta (2014-2019). He served
as Strategic Planning Division Head at PT Bank IBK Indonesia Tbk, Jakarta
(2019-2020). He served as Acting Credit Planning Division Head at PT Bank
IBK Indonesia, Jakarta (2020-2021). He served as Credit and Strategic Planning
Division Head at PT Bank IBK Indonesia Tbk, Jakarta (August 2021-December
2021). He served as Corporate Banking I Division Head at PT Bank IBK Indonesia
Tbk, Jakarta (December 2021-February 2023). Corporate Banking II Division
Head of PT Bank IBK Indonesia Tbk, Jakarta (February 2023-January 2025).
Syndication & Wholesale Banking Division Head of PT Bank IBK Indonesia Tbk
(January 2025-present). Then appointed as Syndication & Wholesale Banking
Division Head through Directors' Decree No. 046/HRD/SK/I/25 dated January
21, 2025.
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Profil Perusahaan • Company Profile
Nama Jabatan Profil Pejabat Eksekutif
No.
Name Position Profile of the Executive Officers
4. Robert Olof Kepala Divisi Warga Negara Indonesia, Usia 51 Tahun, Domisili di Jakarta.
Manajemen Risiko
Head of Risk Memperoleh gelar Magister Manajemen konsentrasi Manajemen Risiko Perbankan
Management Universitas Indonesia, Jakarta (2007).
Division
Beliau memulai karirnya di PT Bank Eksekutif Internasional Tbk dengan jabatan
Risk Management Manager (2006-2010). Business Risk Department Head PT
Bank Pundi Indonesia Tbk (2010-2015). Financial Risk Assistant Manager PT
Great Eastern Life Indonesia (2015-2021). Kemudian diangkat menjadi Kepala
Divisi Manajemen Risiko sejak 2022, berdasarkan surat Keputusan Direksi No.
014/HRD/SK/III/22 tanggal 1 April 2022 tentang Penetapan Jabatan.
Indonesian citizen, 51 years old, domiciled in Jakarta.
He earned a Master of Management degree in Banking Risk Management from the
University of Indonesia, Jakarta (2007).
He began his career at PT Bank Eksekutif Internasional Tbk as Risk Management
Manager (2006-2010). He then served as Business Risk Department Head at
PT Bank Pundi Indonesia Tbk (2010-2015). He then served as Financial Risk
Assistant Manager at PT Great Eastern Life Indonesia (2015-2021). He was
then appointed Head of the Risk Management Division in 2022, based on Board
of Directors Decree No. 014/HRD/SK/III/22 dated April 1, 2022, concerning
Position Determination.
5. B. Ronald Aris Kepala Divisi Warga negara Indonesia, 49 Tahun, Domisili di Bogor.
Credit Support
Head of Credit Memperoleh gelar Sarjana Ilmu Sosial dan Ilmu Politik dari Universitas Katholik
Support Division Parahyangan (1999),
Beliau memulai karirnya sebagai Appraisal Staff PT Bank Ekonomi Raharja (2000-
2006), Appraisal Supervisor PT Bank Ekonomi Raharja (2006-2009), Assitant
Manager Planning, Control and Monitoring PT Bank Ekonomi Raharja (2009-
2010), Manager Legal Operation PT Bank HSBC Indonesia (dh Bank Ekonomi
Raharja (2010-2012), Manager Centralized Doc Review Function PT Bank UOB
Indonesia (2013-2014), Manager Centralized Doc Review Function PT Bank
UOB Indonesia (2013-2014), Credit Support Dept Head PT Bank Agris (2014-
2015), Operation Division Head PT Bank Agris (2015-2019), Operation Division
Head PT Bank IBK Indonesia (2020-2022). Kemudian diangkat menjadi Credit
Support Division Head PT Bank IBK Indonesia (2022-2025), berdasarkan Surat
Keputusan Direksi No. 021/HRD/SK/X/22 tanggal 14 Oktober 2022 perihal
Penetapan Jabatan
Indonesian citizen, 49 years old, residing in Bogor.
He earned a Bachelor's degree in Social and Political Sciences from Parahyangan
Catholic University (1999).
He started his career as Appraisal Staff PT Bank Ekonomi Raharja (2000-
2006), Appraisal Supervisor PT Bank Ekonomi Raharja (2006-2009), Assistant
Manager Planning, Control and Monitoring PT Bank Ekonomi Raharja (2009-
2010), Manager Legal Operation PT Bank HSBC Indonesia (dh Bank Ekonomi
Raharja (2010-2012), Manager Centralized Doc Review Function PT Bank UOB
Indonesia (2013-2014), Manager Centralized Doc Review Function PT Bank
UOB Indonesia (2013-2014), Credit Support Dept Head PT Bank Agris (2014-
2015), Operation Division Head PT Bank Agris (2015-2019), Operation Division
Head PT Bank IBK Indonesia (2020-2022). Then appointed as Credit Support
Division Head PT Bank IBK Indonesia (2022-2025), based on the Decree of the
Board of Directors No. 021/HRD/SK/X/22 dated October 14, 2022 concerning
the Determination of Positions
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Profil Perusahaan • Company Profile
Nama Jabatan Profil Pejabat Eksekutif
No.
Name Position Profile of the Executive Officers
6 Ruth Damayanti Pjs. Kepala Warga Negara Indonesia, 38 Tahun, Domisili di Cinere - Depok (Jawa Barat).
Sianturi Divisi Human
Resources Memperoleh gelar Sarjana pada jurusan Psikologi dari Universitas Pendidikan
Acting Head Indonesia, Bandung (2010) dan mendapatkan gelar sertifikasi profesional Certified
of Human Human Resource Professional (CHRP) dari Universitas Atmajaya, (2015).
Resources
Division Beliau memulai karirnya sebagai Training Specialist, PT BCA Multifinance (2010-
2012), Learning & Development Specialist, PT Wom Finance (2012-2013);
HR Department Head, PT Bank Agris (2013-2019) kemudian diangkat menjadi
HR Department Head PT Bank IBK Indonesia (2019-2025) berdasarkan surat
Keputusan Direksi Bank No. 013/HRD/SK/IV/25 tanggal 17 April 2025 tentang
Penetapan Jabatan.
Indonesian citizen, 38 years old, domiciled in Cinere, Depok (West Java).
She earned a Bachelor's degree in Psychology from the Indonesian University
of Education, Bandung (2010) and a Certified Human Resource Professional
(CHRP) professional certification from Atmajaya University (2015).
She began her career as a Training Specialist at PT BCA Multifinance (2010-
2012), Learning & Development Specialist at PT Wom Finance (2012-2013), and
HR Department Head at PT Bank Agris (2013-2019) she was then appointed HR
Department Head at PT Bank IBK Indonesia (2019-2025) based on Bank Board
of Directors' Decree No. 013/HRD/SK/IV/25 dated April 17, 2025. Regarding the
Appointment of Position.
7 Yustika Rusnanda Kepala Divisi Warga Negara Indonesia, 40 Tahun, Domisili di Jakarta.
Operasional / ALT
Kepala Divisi GA Memperoleh gelar Sarjana Pertanian dari Institut Pertanian Bogor (2007), dan
& Budget Magister Manajemen dan Bisnis dari Universitas Pelita Harapan (2025),
Head of
Operations Beliau memulai karirnya sebagai Head Teller Bank Woori Indonesia (2008-2010),
Division / ALT Operasional Supervisor (SKN, RTGS, Remittance) Staff Bank Woori Indonesia
Head of GA & (2010-2015), Kepala Unit Remittance dan Domestik Payment Bank Woori Saudara
Budget Division (2015-2019), Kepala Departemen Operasional & E-Channel Support Bank Woori
Saudara (2019-2023), dan Kepala Divisi Operasional Bank IBK Indonesia (2024-
2025). Kemudian beliau diangkat menjadi Kepala Divisi GA & Budget Bank IBK
Indonesia (2025-sekarang) berdasarkan Keputusan Direksi No. 039/HRD/SK/
IX/25 tanggal 29 September 2025 tentang Penetapan Jabatan.
Indonesian citizen, 40 years old, domiciled in Jakarta.
He earned a Bachelor's degree in Agriculture from the Bogor Agricultural Institute
(2007) and a Master's degree in Management and Business from Pelita Harapan
University (2025).
He began his career as Head Teller at Bank Woori Indonesia (2008-2010),
Operations Supervisor (SKN, RTGS, Remittance) at Bank Woori Indonesia
(2010-2015), Head of the Remittance and Domestic Payment Unit at Bank Woori
Saudara (2015-2019), Head of the Operations & E-Channel Support Department
at Bank Woori Saudara (2019-2023), and Head of the Operations Division at
Bank IBK Indonesia (2024-2025). He was subsequently appointed Head of the
GA & Budget Division at Bank IBK Indonesia (2025-present) based on Board
of Directors Decree No. 039/HRD/SK/IX/25 dated September 29, 2025,
concerning Position Appointment.
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No.
Name Position Profile of the Executive Officers
8 Yuda Adrian Kepala Divisi Warga negara Indonesia, 45 Tahun, Domisili di Jakarta.
Retail Banking &
Sales Distribution Memperoleh gelar Sarjana Ekonomi dari Universitas Pasundan, Bandung (2004).
Head of Retail
Banking & Sales Beliau memulai karirnya sebagai Sales Manager PT Bank Danamon (2006-
Distribution 2009), People Development PT Bank Mega Syariah (2009-2012), Product &
Division Promotion Dept Head PT Bank Woori Saudara Indonesia 1906 Tbk (2012-2016),
Branch Manager PT Bank Woori Saudara Indonesia 1906 Tbk (2016-2019) dan
Product & Promotion Head PT Bank Woori Saudara Indonesia 1906 Tbk (2019-
2022). Kemudian beliau diangkat menjadi Kepala Divisi Retail Banking & Sales
Distribution berdasarkan Surat Keputusan Direksi No. 016/HRD/SK/I/23 tanggal
11 Januari 2023 tentang Penetapan Jabatan.
Indonesian citizen, 45 years old, domiciled in Jakarta.
He earned a Bachelor of Economics degree from Pasundan University, Bandung
(2004).
He began his career as Sales Manager at PT Bank Danamon (2006-2009), People
Development at PT Bank Mega Syariah (2009-2012), Product & Promotion
Department Head at PT Bank Woori Saudara Indonesia 1906 Tbk (2012-2016),
Branch Manager at PT Bank Woori Saudara Indonesia 1906 Tbk (2016-2019),
and Product & Promotion Head at PT Bank Woori Saudara Indonesia 1906
Tbk (2019-2022). He was then appointed Head of the Retail Banking & Sales
Distribution Division based on Board of Directors Decree No. 016/HRD/SK/I/23
dated January 11, 2023, concerning Position Appointment.
9 Probo Abhirama Kepala Divisi Warga negara Indonesia, 44 Tahun, Domisili di Jakarta.
SME & Corporate
Banking Memperoleh gelar Sarjana Akuntansi dari Universitas Trisakti, Jakarta (2003).
Head of SME
& Corporate Beliau memulai karirnya sebagai Management Training Officer Program Bank
Banking Division Panin (2003-2004), Relationship Manager Bank Panin (2004-2010), Senior
Relationship Manager Bank Permata (2010-2011), Senior Relationship Manager
Bank UOBI (2011-2014), team Leader Bank Ekonomi(2014-2017), Business
Manager Bank HSBC Indonesia (2017-2023), Department Head Corporate
Banking Bank IBK Indonesia (2023-2024) Kemudian diangkat menjadi Kepala
Divisi SME & Corporate Banking berdasarkan surat penetapan jabatan Keputusan
Bank No. 012/HRD/SK/VI/25 tanggal 30 Juni 2025 tentang penetapan jabatan.
Indonesian citizen, 44 years old, domiciled in Jakarta.
He earned a Bachelor of Accounting degree from Trisakti University, Jakarta
(2003).
He began his career as a Management Training Officer for the Panin Bank
Program (2003-2004), Relationship Manager for Panin Bank (2004-2010),
Senior Relationship Manager for Permata Bank (2010-2011), Senior Relationship
Manager for UOBI Bank (2011-2014), Team Leader for Bank Ekonomi (2014-
2017), Business Manager for HSBC Indonesia Bank (2017-2023), and
Department Head for Corporate Banking at IBK Indonesia Bank (2023-2024).
He was then appointed Head of the SME & Corporate Banking Division based
on Bank Decision No. 012/HRD/SK/VI/25 dated June 30, 2025, concerning
position determination.
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No.
Name Position Profile of the Executive Officers
10 Anak Agung Kepala Divisi Warga Negara Indonesia, 44 Tahun, Domisili di Jakarta.
Ananda Krishna Treasury
Head of Treasury Memperoleh gelar Sarjana Manajemen dari Fakultas Ekonomi, Universitas
Division Padjadjaran (2005) dan gelar S2 M.B.A dari School of Business Management,
ITB (2015).
Beliau memulai karirnya sebagai Staff MUFG (2005), Global Market Dealer, PT
Bank Rakyat Indonesia (BRI) (2006-2011), Dealer Indonesia Eximbank (2011-
2014), Chief Dealer Indonesia Eximbank (2014-2021), kemudian diangkat
menjadi kepala Divisi Treasury, berdasarkan surat Keputusan Direksi Bank No.
016/HRD/SK/III/22 tanggal 22 Maret 2022 tentang Penetapan Jabatan.
Indonesian citizen, 44 years old, domiciled in Jakarta.
He earned a Bachelor's degree in Management from the Faculty of Economics,
Padjadjaran University (2005) and an MBA from the School of Business
Management. ITB (2015).
He began his career as a staff member at MUFG (2005), a Global Market Dealer
at PT Bank Rakyat Indonesia (BRI) (2006-2011), a Dealer at Indonesia Eximbank
(2011-2014), and Chief Dealer at Indonesia Eximbank (2014-2021). He was then
appointed Head of the Treasury Division based on Bank Directors' Decree No.
016/HRD/SK/III/22 dated March 22, 2022, concerning Position Determination.
11 Wawan Branch Manager Warga negara Indonesia, 45 Tahun, Domisili di Bandung.
Kurniawan KC Bandung
Branch Manager, Memperoleh gelar Sarjana Ekonomi dari Universitas Maranatha, Bandung (2003).
Bandung Branch
Office Beliau memulai karirnya sebagai Admin Kredit PT Bank Bumi Arta (2005-2007),
Marketing Officer PT Bank Bumi Arta (2007-2008), Head Desk/Team Leader
PT Bank Maspion (2009-2011), Team Leader PT Hana Bank (2011-2012),
Sub Branch Manager PT Bank Artos (2012-2014), Marketing Manager PT Bank
Mayora (2014-2019), Branch Manager KC Kopo PT Bank Index Selindo (2019-
2025). Kemudian diangkat sebagai Branch Manager Kantor Cabang Bandung
berdasarkan surat keputusan Direksi No. 090/HRD/SK/I/25 tanggal 24 Januari
2025 tentang Penetapan Jabatan.
Indonesian citizen, 45 years old, domiciled in Bandung.
He earned a Bachelor of Economics degree from Maranatha University, Bandung
(2003).
He began his career as a Credit Administrator at PT Bank Bumi Arta (2005-2007),
Marketing Officer at PT Bank Bumi Arta (2007-2008), Head Desk/Team Leader
at PT Bank Maspion (2009-2011), Team Leader at PT Hana Bank (2011-2012),
Sub-Branch Manager at PT Bank Artos (2012-2014), Marketing Manager at PT
Bank Mayora (2014-2019), and Branch Manager at the Kopo Branch Office of
PT Bank Index Selindo (2019-2025). He was then appointed Branch Manager of
the Bandung Branch based on Directors' Decree No. 090/HRD/SK/I/25 dated
January 24, 2025, concerning Position Determination.
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No.
Name Position Profile of the Executive Officers
12 Herning Setiawati Branch Manager Warga Negara Indonesia, 47 Tahun, Domisili di Denpasar Bali.
KC Bali
Branch Manager, Memperoleh gelar Magister Ekonomi dari Universitas Udayana, Bali (2017).
Bali Branch
Office Beliau memulai karirnya sebagai Sales Officer di PT Bank ICB Bumiputera
(2010-2011), Unit Manager di PT Bank ICB Bumiputera (2011-2012), Cluster
Manager Microbanking di PT Bank ICB Bumiputera (2012-2014), Sub Branch
Manager di PT Bank ICB Bumiputera (2014-2017), Sub Branch Manager di PT
Bank MNC Internasional (2017-2021), Branch Manager di PT MNC Internasional
(2021-2022), kemudian diangkat menjadi Branch Manager Kantor Cabang Bali,
berdasarkan surat keputusan Direksi No. 016/HRD/SK/I/24 tanggal 2 Januari
2024 tentang Penetapan Jabatan.
Indonesian citizen, 47 years old, domiciled in Denpasar, Bali.
He earned a Master's degree in Economics from Udayana University, Bali (2017).
He began his career as a Sales Officer at PT Bank ICB Bumiputera (2010-2011),
Unit Manager at PT Bank ICB Bumiputera (2011-2012), Cluster Manager of
Microbanking at PT Bank ICB Bumiputera (2012-2014), Sub-Branch Manager at
PT Bank ICB Bumiputera (2014-2017), Sub-Branch Manager at PT Bank MNC
Internasional (2017-2021), Branch Manager at PT MNC Internasional (2021-
2022). He was then appointed Branch Manager of the Bali Branch Office, based
on Directors' Decree No. 016/HRD/SK/I/24 dated January 2, 2024, concerning
Position Determination.
13 Winarjo Branch Manager Warga Negara Indonesia, 39 Tahun, Domisili di Medan.
KC Medan
Branch Manager, Memperoleh gelar Sarjana Information Technology dari Preston University, Medan
Medan Branch (2008).
Office
Beliau memulai karirnya sebagai Marketing di PT. Bursa Properti (2004-2006);
Marketing Funding di Bank HSBC (2006-2007); Marketing Funding di Bank
DBS (2007-2009); Marketing Lending di Bank DBS (2009-2012); Marketing
Lending di Bank ICBC (2012-2013); Marketing Lending di Bank Agris (2013-
2017); Marketing Lending Head di Bank Agris/Bank IBK Indonesia (2017-2025),
kemudian diangkat menjadi Branch Manager Kantor Cabang Medan Palang
Merah, berdasarkan surat Keputusan Direksi No. 017/HRD/SK/IX/25 tertanggal
11 September 2025 tentang Penetapan Jabatan.
Indonesian citizen, 39 years old, domiciled in Medan.
He earned a Bachelor's degree in Information Technology from Preston University,
Medan (2008).
He began his career as a Marketer at PT. Bursa Properti (2004-2006); Marketing
Funding at HSBC Bank (2006-2007); Marketing Funding at DBS Bank (2007-
2009); Marketing Lending at DBS Bank (2009-2012); Marketing Lending
at ICBC Bank (2012-2013); Marketing Lending at Bank Agris (2013-2017);
Marketing Lending Head at Bank Agris/Bank IBK Indonesia (2017-2025). He
was then appointed Branch Manager of the Medan Red Cross Branch Office,
based on Directors' Decree No. 017/HRD/SK/IX/25 dated September 11, 2025,
concerning Position Determination.
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No.
Name Position Profile of the Executive Officers
14 Kardi Suhardi Branch Manager Warga Negara Indonesia, 37 Tahun, Domisili di Pekanbaru.
KC Pekanbaru
Branch Manager, Memperoleh gelar Sarjana Teknologi Informatika dari STIKOM Pelita Indonesia
Pekanbaru (2013).
Branch Office
Beliau memulai karirnya sebagai Relationship Manager Bank UOB Indonesia
(2006-2013), Relationship Manager Bank OCBC NISP (2013-2014), Marketing
Lending PT Bank IBK Indonesia Tbk (2014-2019), Marketing Lending Head
PT Bank IBK Indonesia Tbk (2019-2025), kemudian diangkat menjadi Branch
Manager Kantor Cabang Pekanbaru, berdasarkan berdasarkan Surat Keputusan
Direksi Bank No. 018/HRD/SK/V/25 tanggal 23 Mei 2025 tentang Penetapan
Jabatan.
Indonesian citizen, 37 years old, domiciled in Pekanbaru.
He earned a Bachelor's degree in Information Technology from STIKOM Pelita
Indonesia (2013).
He began his career as a Relationship Manager at Bank UOB Indonesia (2006-
2013), Relationship Manager at Bank OCBC NISP (2013-2014), Marketing
Lending at PT Bank IBK Indonesia Tbk (2014-2019), Marketing Lending Head
at PT Bank IBK Indonesia Tbk (2019-2025). He was then appointed Branch
Manager of the Pekanbaru Branch Office, based on Bank Directors' Decree No.
018/HRD/SK/V/25 dated May 23, 2025, concerning Position Determination.
15 Lita Branch Manager Warga Negara Indonesia, 38 Tahun, Domisili di Pontianak.
KC Pontianak
Branch Manager, Memperoleh gelar Sarjana Manajemen dari Universitas Widya Dharma Pontianak
Pontianak Branch (2010).
Office
Beliau memulai karirnya sebagai Staff Accounting PD Surya Jaya (2006-2008),
Head Finance PT Pelayaran Mahakarya Utama (2008-2010), SME Manager PT
Bank Maybank Indonesia Tbk (2010-2024), Lending Head PT Bank IBK Indonesia
Tbk (2024), kemudian diangkat menjadi PJS Branch Manager Kantor Cabang
Pontianak berdasarkan surat Keputusan Direksi No. 020/HRD/SK/XI/24 tanggal
13 November 2024 tentang Penetapan Jabatan.
Indonesian citizen, 38 years old, domiciled in Pontianak.
He earned a Bachelor's degree in Management from Widya Dharma University,
Pontianak (2010).
He started his career as an Accounting Staff at PD Surya Jaya (2006-2008),
Head of Finance at PT Pelayaran Mahakarya Utama (2008-2010), SME Manager
at PT Bank Maybank Indonesia Tbk (2010-2024), Lending Head at PT Bank IBK
Indonesia Tbk (2024), then was appointed as PJS Branch Manager of Pontianak
Branch Office based on the Directors' Decree No. 020/HRD/SK/XI/24 dated
November 13, 2024 concerning Position Determination.
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No.
Name Position Profile of the Executive Officers
16 Suryo Utomo Branch Manager Warga Negara Indonesia, 38 Tahun, Domisili di Solo.
KC Solo
Branch Manager, Memperoleh gelar Sarjana Ekonomi dari Universitas Muhammadiyah Yogyakarta,
Solo Branch DIY (2009) dan Magister Manajemen dari Indonesia Banking School, Jakarta
Office (2018).
Beliau memulai karirnya sebagai Account Officer SME & Commercial loan di BRI
(2009-2016), Senior Relationship Manager Commercial loan di Bank Muamalat
Indonesia (2016-2017), Credit Reviewer di Bank Agris (2017-2019), Credit
Reviewer di Bank IBK Indonesia (2019-2022), kemudian diangkat menjadi
Branch Manager Kantor Cabang Solo berdasarkan Surat Keputusan Direksi No.
011/HRD/SK/VII/22 tanggal 19 Juli 2022 tentang Penetapan Jabatan.
Indonesian citizen, 38 years old, domiciled in Solo.
He earned a Bachelor's degree in Economics from Muhammadiyah University of
Yogyakarta, Yogyakarta (2009) and a Master's degree in Management from the
Indonesia Banking School, Jakarta (2018).
He began his career as an Account Officer for SME & Commercial Loans at
BRI (2009-2016), Senior Relationship Manager for Commercial Loans at Bank
Muamalat Indonesia (2016-2017), Credit Reviewer at Bank Agris (2017-2019),
and Credit Reviewer at Bank IBK Indonesia (2019-2022). He was then appointed
Branch Manager of the Solo Branch Office based on Directors' Decree No. 011/
HRD/SK/VII/22 dated July 19, 2022, concerning Position Determination.
17 Roh Jeong Hoon Executive Credit Warga Negara Asing, 42 Tahun, Domisili di Jakarta.
Review
Memperoleh Memperoleh gelar Sarjana Ekonomi dari Soongsil University, Seoul
(2010).
Beliau memulai karirnya sebagai Project Assistant UNPRI United Nations
Principles for Responsible Investment Industrial Bank of Korea (2008-2009),
Assistant Manager Guro Complex Center Branch & Yeondeungpo Branch
Industrial Bank of Korea (2010-2015), Manager Guro Samsung IT Branch Industrial
Bank of Korea (2015-2018), General Manager, Credit Officer Banwol Joongang
Corporate Finance Branch Industrial Bank of Korea(2018-2020), Deputy General
Manager, Credit Officer Credit Underwriting Dept, Head Office Industrial Bank
of Korea (2020-2024), Kepala Divisi Credit Review II PT Bank IBK Indonesia,
Tbk (2024-2025), kemuadian diangkat menjadi Executive Credit Review PT Bank
IBK Indonesia, Tbk berdasarkan Surat Keputusan Direksi No. 011/HRD/SK/II/25
tanggal 10 Februari 2025 tentang Penetapan Jabatan.
Foreign citizen, 42 years old, domiciled in Jakarta.
He earned a Bachelor's degree in Economics from Soongsil University, Seoul
(2010).
He began his career as a Project Assistant for the UNPRI United Nations
Principles for Responsible Investment Industrial Bank of Korea (2008-2009),
Assistant Manager of the Guro Complex Center Branch & Yeondeungpo Branch
of the Industrial Bank of Korea (2010-2015), Manager of the Guro Samsung IT
Branch of the Industrial Bank of Korea (2015-2018), General Manager, Credit
Officer of the Banwol Joongang Corporate Finance Branch of the Industrial Bank
of Korea (2018-2020), Deputy General Manager, Credit Officer of the Credit
Underwriting Dept., Head Office of the Industrial Bank of Korea (2020-2024),
Head of Credit Review Division II of PT Bank IBK Indonesia, Tbk (2024-2025).
He was then appointed as Executive Credit Review of PT Bank IBK Indonesia, Tbk
based on Board of Directors' Decree No. 011/HRD/SK/II/25 dated February 10,
2025, concerning Position Determination.
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Name Position Profile of the Executive Officers
18 Jung You Jin Kepala Divisi Warga Negara Asing, 47 Tahun, Domisili di Jakarta.
International
Banking Memperoleh gelar Sarjana Sastra dan Sarjana Administrasi Bisnis dari Ajou
Head of University, Gyeonggi-do, Korea Selatan (2006).
International
Banking Division Beliau memulai karirnya sebagai Assistant Manager Bangbae-dong Branch
IBK, South Korea, Industrial Bank of Korea (2007-2009), Assistant Manager
International Trade Business Department, Industrial Bank of Korea (2009-2012),
Manager Indeokwon Branch, Industrial Bank of Korea (2012-2013), Manager
Anyang Branch Industrial Bank of Korea (2014-2016), Deputy General Manager
International Trade Business Department Industrial Bank of Korea (2016-2022),
Chief Deputi General Manager SongNae-Yeok Br, Industrial Bank of Korea (2022-
2024), kemudian diangkat sebagai Kepala Divisi International Banking PT Bank
IBK Indonesia, Tbk, berdasarkan Surat Keputusan Direksi No. 042/HRD/SK/
VII/24 tanggal 30 Juli 2024 tentang Penetapan Jabatan.
Foreign Citizen, 47 Years Old, Domiciled in Jakarta.
He earned a Bachelor of Arts and a Bachelor of Business Administration from Ajou
University, Gyeonggi-do, South Korea (2006).
He began his career as Assistant Manager of the Bangbae-dong Branch of
IBK, South Korea, Industrial Bank of Korea (2007-2009), Assistant Manager of
the International Trade Business Department, Industrial Bank of Korea (2009-
2012), Manager of the Indeokwon Branch, Industrial Bank of Korea (2012-2013),
Manager of the Anyang Branch, Industrial Bank of Korea (2014-2016), Deputy
General Manager of the International Trade Business Department, Industrial
Bank of Korea (2016-2022), Chief Deputy General Manager of SongNae-Yeok
Br, Industrial Bank of Korea (2022-2024). He was then appointed Head of the
International Banking Division of PT Bank IBK Indonesia, Tbk, based on Board of
Directors' Decree No. 042/HRD/SK/VII/24 dated July 30, 2024, concerning the
Determination of Positions.
19 Park Jinwook Kepala Divisi Warga Negara Asing, 44 Tahun, Domisili di Jakarta.
Korean Business
Banking Memperoleh gelar Sarjana Ekonomi dari Hanyang University, Seoul (2007).
Head of the
Korean Business Beliau memulai karirnya sebagai Beliau memulai karirnya sebagai Officer
Banking Division Banghak-dong Branch, Industrial Bank of Korea (2007-2009), Officer & Assistant
Manager Asan Branch Industrial Bank of Korea (2009-2012), Assistant Manager
& Manager Future Planning Office Industrial Bank of Korea (2012-2017),
Manager & Deputy General Manager) Strategy Planning Department Industrial
Bank of Korea (2017-2018) , Deputy General Manager Sangam-dong Branch
Industrial Bank of Korea (2018-2020), Deputy General Manager Communication
and Monitoring Department Industrial Bank of Korea (2020-2023), Team Leader
Cheonan Jungang Branch Industrial Bank of Korea (2023-2024), Kepala
Divisi Korean Business Banking PT Bank IBK Indonesia, Tbk (2024-sekarang).
Kemudian diangkat sebagai Kepala Divisi Korean Business Banking PT Bank IBK
Indonesia, Tbk, bedasarkan Surat Keputusan Direksi No. 030/HRD/SK/X/24
tanggal 21 Oktober 2024 tentang Penetapan Jabatan.
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No.
Name Position Profile of the Executive Officers
Foreign Citizen, 44 Years Old, Domiciled in Jakarta.
He earned a Bachelor of Economics degree from Hanyang University, Seoul
(2007).
He began his career as an Officer at the Banghak-dong Branch, Industrial Bank
of Korea (2007-2009), Officer & Assistant Manager Asan Branch Industrial Bank
of Korea (2009-2012), Assistant Manager & Manager Future Planning Office
Industrial Bank of Korea (2012-2017), Manager & Deputy General Manager)
Strategy Planning Department Industrial Bank of Korea (2017-2018), Deputy
General Manager Sangam-dong Branch Industrial Bank of Korea (2018-2020),
Deputy General Manager Communication and Monitoring Department Industrial
Bank of Korea (2020-2023), Team Leader Cheonan Jungang Branch Industrial
Bank of Korea (2023-2024), Head of Korean Business Banking Division PT Bank
IBK Indonesia, Tbk (2024-present). He was then appointed Head of the Korean
Business Banking Division of PT Bank IBK Indonesia, Tbk, based on Board of
Directors’ Decree No. 030/HRD/SK/X/24 dated October 21, 2024, concerning
the Determination of Position.
20 Lee Hyoungseok Kepala Divisi Warga Negara Asing, 36 Tahun, Domisili di Jakarta.
Strategic
Planning Memperoleh gelar Sarjana Ekonomi dari Yonsei University, Korea Selatan (2013).
Head of the
Strategic Beliau memulai karirnya sebagai Assistant Manager - Heungduk BR, Corporate
Planning Division Finance Team Credit Strategy, Dept. Government Funding Team (2016-2019),
Manager Youngtong BR, Corporate Finance Team Industrial Bank of Korea (2019-
2021), Credit Strategy, Dept. Credit Strategy Team Manager Industrial Bank of
Korea (2021-2024), kemudian diangkat sebagai Kepala Divisi Strategic Planning
PT Bank IBK Indonesia, Tbk berdasarkan Surat Keputusan Direksi No. 038/HRD/
SK/I/25 tanggal 20 Januari 2025 tentang Penetapan Jabatan.
Foreign Citizen, 36 Years Old, Domiciled in Jakarta.
He earned a Bachelor of Economics degree from Yonsei University, South Korea
(2013).
He began his career as Assistant Manager - Heungduk BR, Corporate Finance
Team Credit Strategy, Dept. Government Funding Team (2016-2019), Manager -
Youngtong BR, Corporate Finance Team Industrial Bank of Korea (2019-2021),
Credit Strategy, Dept. Credit Strategy Team Manager Industrial Bank of Korea
(2021-2024). He was then appointed as Head of the Strategic Planning Division
of PT Bank IBK Indonesia, Tbk based on Board of Directors' Decree No. 038/
HRD/SK/I/25 dated January 20, 2025, concerning the Determination of Position.
21 Bae Woonghee IT Group Head Warga Negara Asing, 43 Tahun, Domisili di Jakarta
Division
Memperoleh gelar Sarjana jurusan Ilmu Komputer dari Soongsil University, Korea
Selatan (2010) dan gelar magister jurusan Bisnis Analitik dari Korea University,
Korea Selatan (2024).
Beliau memulai karirnya sebagai Assistant Manager IT System Development,
Dept. Foreign Exchange Development Team Industrial Bank of Korea (2010-
2015), Manager IT System Development, Dept. Foreign Exchange Development
Team Industrial Bank of Korea (2016-2017), Manager IT System Development,
Dept. Global Development Team Industrial Bank of Korea (2017-2020), Deputy
General Manager IT System Development, Dept. Global Development Team
Industrial Bank of Korea (2021-2024), kemudian diangkat sebagai IT Group Head
PT Bank IBK Indonesia, berdasarkan Surat Keputusan Direksi No. 037/HRD/SK/
VII/25 tanggal 15 Juli 2025 tentang Penetapan Jabatan.
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No.
Name Position Profile of the Executive Officers
Foreign Citizen, 43 Years Old, Domiciled in Jakarta
He earned a Bachelor’s degree in Computer Science from Soongsil University,
South Korea (2010) and a Master’s degree in Business Analytics from Korea
University, South Korea (2024).
He began his career as Assistant Manager of IT System Development, Foreign
Exchange Development Team Dept., Industrial Bank of Korea (2010-2015),
Manager of IT System Development, Foreign Exchange Development Team Dept.,
Industrial Bank of Korea (2016-2017), Manager of IT System Development, Global
Development Team Dept., Industrial Bank of Korea (2017-2020), Deputy General
Manager of IT System Development, Global Development Team Dept., Industrial
Bank of Korea (2021-2024). He was then appointed as IT Group Head of PT
Bank IBK Indonesia, based on Board of Directors’ Decree No. 037/HRD/SK/
VII/25 dated July 15, 2025, concerning Position Determination.
22 Kim Kihyun Finance Group Warga Negara Asing, 45 Tahun, Domisili di Jakarta.
Head
Memperoleh gelar sarjana jurusan Teknik Elektro dari Pohang University of Science
and Technology, Korea Selatan (2003) dan gelar magister jurusan Teknik Elektro
dari Pohang University of Science and Technology, Korea Selatan (2005).
Beliau memulai karirnya sebagai Junior Researcher LG Electronics Technology
Center (2006-2008), Assistant Manager Gasandong, Jongro Branch Industrial
Bank of Korea (2008-2010), Deputy General Manager Development of Several Tools
for Efficient Financial Management Industrial Bank of Korea (2010-2012), Manager
Operation of Internal Control Over Financial Reporting (2010-2012), Manager
Development and Operation of a Financial Service Application Industrial Bank of
Korea (2013-2021), Chief Deputy General Manager Industrial Bank of Korea (2021-
2025), kemudian beliau diangkat sebagai finance group head PT Bank IBK Indonesia
Tbk, berdasarkan Surat Keputusan Direksi No. 006/HRD/SK/XI/25 tanggal
10 November 2025 tentang Penetapan Jabatan.
Foreign Citizen, 45 Years Old, Domiciled in Jakarta.
He earned a Bachelor's degree in Electrical Engineering from Pohang University of
Science and Technology, South Korea (2003) and a Master's degree in Electrical
Engineering from Pohang University of Science and Technology, South Korea (2005).
He began his career as a Junior Researcher at LG Electronics Technology Center
(2006-2008), Assistant Manager of Gasandong, Jongro Branch, Industrial Bank
of Korea (2008-2010), Deputy General Manager Development of Several Tools for
Efficient Financial Management of Industrial Bank of Korea (2010-2012), Manager
Operation of Internal Control Over Financial Reporting (2010-2012), Manager
Development and Operation of a Financial Service Application Industrial Bank of
Korea (2013-2021), Chief Deputy General Manager of Industrial Bank of Korea
(2021-2025). He was then appointed as Finance Group Head of PT Bank IBK
Indonesia Tbk, based on Board of Directors' Decree No. 006/HRD/SK/XI/25
dated November 10, 2025, concerning Position Determination.
23 Astrina Kepala Divisi Warga Negara Indonesia, 43 Tahun, Domisili di Jakarta.
Internal Audit
Head of the Memperoleh gelar Sarjana pada jurusan Akuntansi dari Universitas Padjadjaran,
Internal Audit Bandung (2004).
Division
Beliau memulai karirnya sebagai Junior Auditor, KAP Ellya Noorlisyati & Rekan (2004-
2005), Internal Audit Assistant Manager di PT Bank Negara Indonesia (2005-2010),
Internal Audit Manager di PT Bank Negara Indonesia (2010-2015), Correspondent
Banking Relationship Manager PT Bank Negara Indonesia (2015-2017), Internal Audit
Dept. Head di PT Aeon Credit Service Indonesia (2009-2011), Risk Management &
Compliance Dept. Head di PT Aeon Credit Service Indonesia (2019-2022), Internal
Audit Senior Manager di PT Ruang Raya Indonesia (Februari-Oktober 2022), Vice
President Internal Audit di PT Jalin Pembayaran Nusantara (2022-2024), kemudian
beliau diangkat sebagai Kepala Divisi Internal Audit PT Bank IBk Indonesia Tbk
berdasarkan Surat Keputusan Direksi No. SKEP.029/HRD/SK/IV/2024 tanggal 26
April 2024 perihal Penetapan Jabatan sebagai Pelaksana Tugas.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 119
Page 120
Profil Perusahaan • Company Profile
Nama Jabatan Profil Pejabat Eksekutif
No.
Name Position Profile of the Executive Officers
Indonesian Citizen, 43 Years Old, Domiciled in Jakarta.
He earned a Bachelor’s degree in Accounting from Padjadjaran University,
Bandung (2004).
He began his career as a Junior Auditor at KAP Ellya Noorlisyati & Rekan (2004-
2005), Internal Audit Assistant Manager at PT Bank Negara Indonesia (2005-
2010), Internal Audit Manager at PT Bank Negara Indonesia (2010-2015),
Correspondent Banking Relationship Manager at PT Bank Negara Indonesia
(2015-2017), Internal Audit Dept. Head at PT Aeon Credit Service Indonesia
(2009-2011), Risk Management & Compliance Dept. Head at PT Aeon Credit
Service Indonesia (2019-2022), Internal Audit Senior Manager at PT Ruang
Raya Indonesia (February-October 2022), and Vice President of Internal Audit at
PT Jalin Pembayaran Nusantara (2022-2024). He was then appointed as Head
of the Internal Audit Division at PT Bank IBk Indonesia Tbk based on Board of
Directors’ Decree No. Decree of the Minister of Finance No. SKEP.029/HRD/
SK/IV/2024 dated April 26, 2024, concerning the Determination of Position as
Acting Officer.
24 Sri Suhartin Kepala Divisi Warga Negara Indonesia, 38 Tahun, Domisili di Jakarta.
Corporate
Secretray & Legal Memperoleh gelar Sarjana pada jurusan Hukum dari Universitas Diponogoro,
Head of the Semarang (2010).
Corporate
Secretarial & Beliau memulai karirnya sebagai Legal Staff PT Indonesia Epson Industry (2011-
Legal Division 2013), Corporate Legal Officer PT Bank Agris Tbk (2013-2019), Corporate Legal
Section Head PT Bank IBK Indonesia Tbk (2019-2022), Legal Departement Head
PT Bank IBK Indonesia Tbk (2022–2022), kemudian beliau diangkat sebagai
Kepala Divisi Corporate Secretray & Legal berdasarkan Keputusan Direksi Bank
No. 011/HRD/SK/XI/22 tanggal 24 November 2022 tentang Penetapan Jabatan.
Indonesian citizen, 38 years old, domiciled in Jakarta.
He earned a Bachelor's degree in Law from Diponegoro University, Semarang
(2010).
He began his career as Legal Staff at PT Indonesia Epson Industry (2011-2013),
Corporate Legal Officer at PT Bank Agris Tbk (2013-2019), Corporate Legal
Section Head at PT Bank IBK Indonesia Tbk (2019-2022), Legal Department
Head at PT Bank IBK Indonesia Tbk (2022-2022). He was then appointed as
Head of the Corporate Secretariat & Legal Division based on Bank Board of
Directors Decree No. 011/HRD/SK/XI/22 dated November 24, 2022, concerning
the Determination of Position.
25 Sigit Indra Kepala Divisi Warga Negara Indonesia, 43 Tahun, Domisili di Jakarta.
Pamungkas Financial
Planning, Memperoleh gelar Sarjana pada jurusan Akuntansi dari Universitas Widyatama
Accounting & Bandung (2007).
Reporting
Head of Financial Beliau memulai karirnya sebagai Semi Senior Auditor, Kantor Akuntan Publik
Planning, Grant Thornton Hendra Winata Gani & Hidayat (2007-2011), Senior auditor
Accounting & Bank Himpunan Saudara 1906 Tbk (2011-2015), Kepala Departemen akuntansi,
Reporting Division Bank Woori Saudara 1906 Tbk 2015-2019), Kepala Divisi Operasional, Bank
Fama International (2019-2021), kemudian beliau diangkat sebagai Kepala
Divisi Financial Planning, Accounting & Reporting PT Bank IBK Indonesia Tbk
berdasarkan Keputusan Direksi Bank No. 017/HRD/SK/III/22 tanggal 22 Maret
2022 tentang Penetapan Jabatan.
120 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 121
Profil Perusahaan • Company Profile
Nama Jabatan Profil Pejabat Eksekutif
No.
Name Position Profile of the Executive Officers
Indonesian citizen, 43 years old, domiciled in Jakarta.
He earned a Bachelor’s degree in Accounting from Widyatama University,
Bandung (2007).
He began his career as a Semi-Senior Auditor at the Public Accounting Firm Grant
Thornton Hendra Winata Gani & Hidayat (2007-2011), Senior Auditor at Bank
Himpunan Saudara 1906 Tbk (2011-2015), Head of the Accounting Department
at Bank Woori Saudara 1906 Tbk (2015-2019), Head of the Operations Division
at Bank Fama International (2019-2021). He was then appointed as Head of the
Financial Planning, Accounting & Reporting Division at PT Bank IBK Indonesia Tbk
based on Bank Board of Directors Decree No. 017/HRD/SK/III/22 dated March
22, 2022, concerning Position Determination.
26 Rizweni Oktavia Kepala Divisi Warga Negara Indonesia, 44 Tahun, Domisili di Banten.
Credit Review 1
Head of Credit Memperoleh gelar Sarjana pada jurusan Ilmu Ekonomi dari Universitas Andalas,
Review 1 Division Padang (2004).
Beliau memulai karirnya sebagai Teller PT Bank Himpunan Saudara 1906 (2006),
Account Officer KCP Bidakara PT Bank Himpunan Saudara 1906, Tbk (2006-
2010), Credit Analis KC The Energy PT Bank Himpunan Saudara 1906, Tbk
(2010-2012), Kabag Kredit Analis KC The Energy PT Bank Himpunan Saudara
1906, Tbk (2012-2014), Wapim Credit Support KC The Energy PT Bank Woori
Saudara Indonesia 1906, Tbk (2015-2017), Team Leader KC Korporat PT Bank
Woori Saudara Indonesia 1906, Tbk (2017-2019), Kepala Departemen Credit
Review PT Bank IBK Indonesia (2019-2024), kemudian beliau diangkatmenjadi
Kepala Divisi Credit Review PT Bank IBK Indonesia berdasarkan Surat Keputusan
Direksi Bank No. 019/HRD/SK/III/25 tanggal 26 Maret 2025 tentang Penetapan
Jabatan.
Indonesian citizen, 44 years old, residing in Banten.
Obtained a Bachelor's degree in Economics from Andalas University, Padang
(2004).
He started his career as a Teller at PT Bank Himpunan Saudara 1906 (2006),
Account Officer at Bidakara Branch Office at PT Bank Himpunan Saudara
1906, Tbk (2006-2010), Credit Analyst at The Energy Branch Office at PT Bank
Himpunan Saudara 1906, Tbk (2010-2012), Head of Credit Analyst at The Energy
Branch Office at PT Bank Himpunan Saudara 1906, Tbk (2012-2014), Deputy
Credit Support Officer at The Energy Branch Office at PT Bank Woori Saudara
Indonesia 1906, Tbk (2015-2017), Team Leader at Corporate Branch Office at PT
Bank Woori Saudara Indonesia 1906, Tbk (2017-2019), Head of Credit Review
Department at PT Bank IBK Indonesia (2019-2024), then he was appointed
as Head of Credit Review Division at PT Bank IBK Indonesia based on Bank
Directors Decree No. 019/HRD/SK/III/25 dated March 26, 2025, concerning the
Determination of Position.
27 Denny Muldani Branch Manager Warga Negara Indonesia, 41 Tahun, Domisili di Tanggerang.
KCU Wisma
GKBI Memperoleh gelar Sarjana Teknik Industri dari Universitas Kristen Maranatha,
Branch Manager Bandung (2007).
of Wisma GKBI
Branch Office Beliau memulai karirnya sebagai Account Officer PT Bank Rakyat Indonesia Tbk
(2009-2010), Lending Officer PT Bank CIMB Niaga Tbk (2010-2012), Business
Development Manager PT Bank Permata Tbk (2012-2018), Team Leader SME
Banking PT Bank KEB Hana Tbk (2018-2020), kemudian diangkat sebagai
Branch Manager KCU Wisma GKBI berdasarkan berdasarkan surat Keputusan
Direksi No. 044/HRD/SK/ IV/24 tanggal 30 April 2024 tentang penetapan
jabatan.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 121
Page 122
Profil Perusahaan • Company Profile
Nama Jabatan Profil Pejabat Eksekutif
No.
Name Position Profile of the Executive Officers
Indonesian citizen, 41 years old, domiciled in Tangerang.
He earned a Bachelor’s degree in Industrial Engineering from Maranatha Christian
University, Bandung (2007).
He began his career as an Account Officer at PT Bank Rakyat Indonesia Tbk
(2009-2010), a Lending Officer at PT Bank CIMB Niaga Tbk (2010-2012), a
Business Development Manager at PT Bank Permata Tbk (2012-2018), and a
Team Leader for SME Banking at PT Bank KEB Hana Tbk (2018-2020). He was
then appointed as Branch Manager of KCU Wisma GKBI based on Board of
Directors Decree No. 044/HRD/SK/IV/24 dated April 30, 2024, concerning the
determination of his position.
28 Muhamad Rifki Kepala Divisi Warga Negara Indonesia, 40 Tahun, Domisili di Jakarta.
Credit Recovery
Head of the Memperoleh gelar Sarjana pada jurusan Akuntansi dari Universitas Trisakti,
Credit Recovery Semarang (2008).
Division
Beliau memulai karirnya sebagai, Relationship Manager PT Bank Kesawan (2010-
2011), Commercial Relationship Manager PT Bank QNB Indonesia (2011-2015),
Special Asset Management Specialist PT Bank QNB Indonesia (2015-2018),
Special Asset Management Division Head PT Bank MNC International (2018-
2020), kemudian diangkat menjadi Kepala Divisi Credit Recovery Kepala Divisi
Credit Recovery PT Bank IBK Indonesia Tbk berdasarkan surat Keputusan Direksi
Bank No. 004/HRD/SK/VII/2 tanggal 07 Juli 2020 tentang penetapan jabatan.
Indonesian citizen, 40 years old, domiciled in Jakarta.
He earned a Bachelor's degree in Accounting from Trisakti University, Semarang
(2008).
He began his career as a Relationship Manager at PT Bank Kesawan (2010-2011),
Commercial Relationship Manager at PT Bank QNB Indonesia (2011-2015),
Special Asset Management Specialist at PT Bank QNB Indonesia (2015-2018),
and Special Asset Management Division Head at PT Bank MNC International
(2018-2020). He was then appointed Head of the Credit Recovery Division at
PT Bank IBK Indonesia Tbk based on Bank Directors' Decree No. 004/HRD/SK/
VII/2 dated July 7, 2020, concerning the appointment of the position.
29 Alfius Sonandi Branch Manager Warga Negara Indonesia, 53 Tahun, Domisili di Surabaya.
KC The Samator
Surabaya Memperoleh gelar Magister Manajemen dari Universitas Hayam Wuruk Perbanas
Branch Manager Surabaya pada (2025).
of The Samator
Branch Office Beliau memulai karirnya sebagai di PT Satyatama Graha Tara in association with
Brooke Hilier Parker (1995-1996), PT Bank Swadesi Tbk (1996-2000), TRAC
ASTRA RENT A CAR (2000-2002), PT Bank Bumiputera Indonesia Tbk (2002-
2006), PT Bank QNB Kesawan Tbk (2006-2019) , kemudian diangkat menjadi
Branch Manager KC The Samator Surabaya Surat Keputusan Pengangkatan
Karyawan Tetap No. 008/HRD/SK/VII/21 tanggal 26 Juli 2021 tentang penetapan
jabatan.
Indonesian citizen, 53 years old, domiciled in Surabaya.
He earned a Master of Management degree from Hayam Wuruk Perbanas
University, Surabaya, in 2025.
He began his career at PT Satyatama Graha Tara in association with Brooke Hilier
Parker (1995-1996), PT Bank Swadesi Tbk (1996-2000), TRAC ASTRA RENT
A CAR (2000-2002), PT Bank Bumiputera Indonesia Tbk (2002-2006), and PT
Bank QNB Kesawan Tbk (2006-2019). He was then appointed Branch Manager
of The Samator Surabaya Branch. Based on Permanent Employee Appointment
Decree No. 008/HRD/SK/VII/21 dated July 26, 2021, regarding the position
determination.
122 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 123
Profil Perusahaan • Company Profile
Nama Jabatan Profil Pejabat Eksekutif
No.
Name Position Profile of the Executive Officers
30 Prayitno Branch Manager Warga Negara Indonesia, 47 tahun, Domisili di Lampung.
KC Lampung
Branch Manager Memperoleh gelar Sarjana pada Fakultas Ekonomi Universitas Lampung Tahun
of Lampung 2003.
Branch Office
Beliau memulai karirnya sebagai RM Funding Lending di Bank Rabobank
Internasional Indonesia (2008-2011), Sub Branch Manager di PT Bank Panin,
Tbk (2011-2014), Bisnis Manager di PT Bank CIMB Niaga (2014-2019), Branch
Manager di Bank Rabobank Internasional Indonesia (2019-2021), Branch Manager
di Bank Jtrust (2021-2023), kemudian diangkat menjadi Branch Manager di Bank
IBK KC Lampung berdasarkan surat keputusan Direksi No. 017/HRD/SK/VIII/24
30 Agustus 2024 perihal penetapan jabatan.
Indonesian citizen, 47 years old, domiciled in Lampung.
He earned a Bachelor's degree from the Faculty of Economics, University of
Lampung in 2003.
He began his career as a Funding Lending Manager at Rabobank Internasional
Indonesia (2008-2011), Sub-Branch Manager at PT Bank Panin Tbk (2011-
2014), Business Manager at PT Bank CIMB Niaga (2014-2019), Branch Manager
at Rabobank Internasional Indonesia (2019-2021), Branch Manager at Bank Jtrust
(2021-2023), and was then appointed Branch Manager at Bank IBK Lampung
Branch based on Board of Directors' Decree No. 017/HRD/SK/VIII/24 dated
August 30, 2024, concerning the appointment of the position.
31 Djie Suhardi Branch Manager Warga Negara Indonesia, 44 Tahun, Domisili di Jakarta.
KC Slipi
Branch Manager Memperoleh gelar Sarjana pada jurusan Manajemen Bisnis, Jakarta (2014).
of Slipi Branch Universitas Bina Nusantara.
Office
Beliau memulai karirnya sebagai Event Manager Bank Danamon Indonesia (2008-
2013), Relationship Manager Lending Bank Danamon Indonesia (2013- 2018),
Branch Manager Bank Danamon Indonesia (2018-2023), kemudian beliau
diangkat sebagai Branch Manager Kantor Cabang Slipi PT Bank IBK Indonesia
berdasarkan berdasarkan Keputusan Direksi Bank No. 032/HRD/SK/XI/23
tanggal 24 November 2023 tentang Penetapan Jabatan.
Indonesian citizen, 44 years old, domiciled in Jakarta.
He earned a Bachelor's degree in Business Management from Bina Nusantara
University in Jakarta (2014).
He began his career as Event Manager at Bank Danamon Indonesia (2008-2013),
Relationship Manager for Lending at Bank Danamon Indonesia (2013-2018),
and Branch Manager at Bank Danamon Indonesia (2018-2023). He was then
appointed Branch Manager of the Slipi Branch of PT Bank IBK Indonesia based
on Bank Board of Directors Decree No. 032/HRD/SK/XI/23 dated November 24,
2023, concerning Position Determination.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 123
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Profil Perusahaan • Company Profile
Nama Jabatan Profil Pejabat Eksekutif
No.
Name Position Profile of the Executive Officers
32 Hendy Branch Manager Warga Negara Indonesia, 41 Tahun, Domisili di Semarang,
KC Semarang
Branch Manager Memperoleh gelar Sarjana pada jurusan Ekonomi Manajemen dari Universitas
of Semarang Katolik Soegijapranata, Semarang (2006).
Branch Office
Beliau memulai karirnya sebagai Analis Kredit Bank UOB Buana (2007–2009),
Account Officer BII Maybank (2010-2010), Relationship Manager Bank CCB
Indonesia d/h Bank Windu Kentjana (2010-2014), Sub Branch Manager Bank
CCB Indonesia d/h Bank Windu Kentjana (2014-2016), Branch Manager Bank
CCB Indonesia d/h Bank Windu Kentjana (2016-2020), kemudian diangkat
menjadi Branch Manager PT Bank IBK Indonesia Tbk berdasarkan berdasarkan
Keputusan Direksi PT Bank IBK Indonesia No. SK.002/HRD/SK/VII/20 tanggal
01 Juli 2020 tentang Penetapan Jabatan.
Indonesian citizen, 41 years old, domiciled in Semarang.
He earned a Bachelor's degree in Management Economics from Soegijapranata
Catholic University, Semarang (2006).
He started his career as a Credit Analyst at Bank UOB Buana (2007–2009),
Account Officer at BII Maybank (2010-2010), Relationship Manager at Bank CCB
Indonesia formerly Bank Windu Kentjana (2010-2014), Sub Branch Manager
at Bank CCB Indonesia formerly Bank Windu Kentjana (2014-2016), Branch
Manager at Bank CCB Indonesia formerly Bank Windu Kentjana (2016-2020),
then was appointed as Branch Manager at PT Bank IBK Indonesia Tbk based on
the Decree of the Board of Directors of PT Bank IBK Indonesia No. SK.002/HRD/
SK/VII/20 dated July 1, 2020 concerning the Determination of Positions.
33 Alian Branch Manager Warga Negara Indonesia, 44 Tahun, Domisili di Palembang.
KC Palembang
Branch Manager Memperoleh gelar Sarjana Ekonomi pada jurusan Akuntansi dari Sekolah Tinggi
of Palembang Ilmu Ekonomi MUSI - Palembang (2003).
Branch Office
Beliau memulai karirnya sebagai Business Officer Commercial PT Bank Bali
Tbk, Palembang (1998-2001), Branch Manager PT Bank Ekonomi Raharja
Tbk, Palembang (2001-2017), Area Commercial Head PT Maybank Indonesia,
Palembang (2017-2018), Area Business Banking Manager PT Bank UOB
Indonesia, Palembang (2018-2020), kemudian beliau diangkat menjadi Branch
Manager PT Bank IBK Indonesia, Palembang berdasarkan Surat Keputusan
Direksi PT Bank IBK Indonesia No. SKEP.011/DIR/VI/20 tanggal 17 Juni 2020
tentang Penetapan Jabatan.
Indonesian citizen, 44 years old, domiciled in Palembang.
He earned a Bachelor of Economics degree in Accounting from the MUSI College
of Economics - Palembang (2003).
He began his career as a Commercial Business Officer at PT Bank Bali Tbk,
Palembang (1998-2001), Branch Manager at PT Bank Ekonomi Raharja Tbk,
Palembang (2001-2017), Area Commercial Head at PT Maybank Indonesia,
Palembang (2017-2018), and Area Business Banking Manager at PT Bank UOB
Indonesia, Palembang (2018-2020). He was then appointed Branch Manager at
PT Bank IBK Indonesia, Palembang based on Decree of the Board of Directors
of PT Bank IBK Indonesia No. SKEP.011/DIR/VI/20 dated June 17, 2020,
concerning Position Determination.
124 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 125
Profil Perusahaan • Company Profile
Demografi Karyawan [OJK C.3]
Employee Demographics
Bank menempatkan Sumber Daya Manusia (SDM) sebagai The Bank positions Human Resources (HR) as the
penggerak utama dalam pencapaian kinerja berkelanjutan primary driver in achieving sustainable performance
dan implementasi strategi jangka panjang. Kesadaran ini and implementing long-term strategies. This awareness
mendorong Bank untuk mengelola dan mengembangkan drives the Bank to consistently and integratedly manage
kapabilitas karyawan secara konsisten dan terintegrasi and develop employee capabilities as part of its long-
sebagai bagian dari komitmen investasi jangka panjang term investment commitment to strengthening business
dalam memperkuat ketahanan dan pertumbuhan bisnis. resilience and growth.
Untuk mendukung penciptaan nilai jangka panjang, Bank To support long-term value creation, the Bank implements
menerapkan proses rekrutmen dan seleksi yang sistematis, a systematic, transparent, and competency-based
transparan, dan berbasis kompetensi. Setiap tahapan recruitment and selection process. Each stage is designed
dirancang untuk memastikan kesesuaian antara kebutuhan to ensure a match between organizational needs, technical
organisasi, kompetensi teknis, serta nilai dan etika kerja competencies, and values and
work ethics that align with
yang sejalan dengan budaya perusahaan. the company’s culture.
Pada tanggal 31 Desember 2025, jumlah karyawan As of December 31, 2025, the Company’s total number
Perseroan tercatat sebanyak 593 orang, mengalami of employees was 593, a decrease of 1.82% compared
penurunan sebesar 1,82% dibandingkan dengan tahun to 2024, when there were 604 employees. Further
2024 yang berjumlah 604 orang. Informasi lebih lanjut information regarding the composition and demographics
mengenai komposisi dan demografi karyawan Perseroan of the Company’s employees over the past three years is
selama tiga tahun terakhir disajikan secara lengkap dalam presented in full in the Sustainability Report Chapter on
Bab Laporan Keberlanjutan pada halaman 461. page 461.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 125
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Profil Perusahaan • Company Profile
Komposisi Kepemilikan Saham [OJK C.3]
Share Ownership Composition
1 Januari 2025 31 Desember 2025
Nama January 1, 2025 December 31, 2025
Pemegang
Saham Jumlah Saham
Nominal Persentase
Jumlah Saham
Nominal Persentase
Shareholders (Lembar Saham) (Lembar Saham)
(Rp / IDR) Percentage (Rp / IDR) Percentage
Total Shares (Shares) Total Shares (Shares)
Kepemilikan Saham >5% | Ownership >5%
Industrial Bank
43.792.362.385 4.379.236.238.500 91,49 43.792.362.385 4.379.236.238.500 91,49
of Korea
Kepemilikan Saham oleh Masyarakat <5% | Public Share Ownership <5%
Masyarakat
(masing-masing
di bawah 5%) 4.072.022.489 407.202.248.900 8,51 4.072.022.489 407.202.248.900 8,51
Public (each
under 5%)
Jumlah Modal
Ditempatkan
dan Disetor
47.864.384.874 4.786.438.487.400 100,00 47.864.384.874 4.786.438.487.400 100,00
Penuh
Total Issued and
Paid-Up Capital
Kepemilikan Saham Bank oleh Direksi dan Dewan Komisaris baik Secara Langsung
ataupun Tidak Langsung
Direct or Indirect Ownership of Bank Shares by the Board of Directors and Board of Commissioners
1 Januari 2025 31 Desember 2025
January 1, 2025 December 31, 2025
Pemegang Saham
Shareholders Jumlah Saham Persentase Kepemilikan Jumlah Saham Persentase Kepemilikan
Total Shares Percentage of Ownership Total Shares Percentage of Ownership
Andreas Mikhael Sumual 130.865 0,00% 130.865 0,00%
Komposisi Pemegang Saham Berdasarkan Klasifikasi
Shareholder Composition Based on Classification
31 Desember 2024 31 Desember 2025
Status December 31, 2024 December 31, 2025
Kepemilikan
Status of Jumlah Pemegang Jumlah Saham Jumlah Pemegang Jumlah Saham
Persentase Persentase
Ownership Saham (Lembar Saham) Saham (Lembar Saham)
Percentage Percentage
Total Shareholders Total Shares (Shares) Total Shareholders Total Shares (Shares)
Pemodal Nasional | National Shareholders
Perorangan
Indonesia
12.472 1.679.715.313 3,51 14.312 1.691.234.262 3,53
Indonesian
Individual
Institusi
Indonesia
19 2.331.023.675 4,87 19 2.308.668.572 4,82
Indonesian
Institutions
126 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 127
Profil Perusahaan • Company Profile
31 Desember 2024 31 Desember 2025
Status December 31, 2024 December 31, 2025
Kepemilikan
Status of Jumlah Pemegang Jumlah Saham Jumlah Pemegang Jumlah Saham
Persentase Persentase
Ownership Saham (Lembar Saham) Saham (Lembar Saham)
Percentage Percentage
Total Shareholders Total Shares (Shares) Total Shareholders Total Shares (Shares)
Pemodal Asing | Foreign Investor
Perorangan
Asing
20 21.431.444 0,04 22 29.730.498 0,06
Foreign
Individual
Institusi Asing
Foreign 13 43.832.214.442 91,58 14 43.834.751.542 91,58
Institution
Jumlah
12.524 47.864.384.874 100,00 14.367 47.864.384.874 100,00
Total
Struktur Pemegang Saham Utama
dan Pengendali
Main and Controlling Shareholding Structure
Industrial Bank of Korea merupakan Pemegang Saham Industrial Bank of Korea is the Bank’s major shareholder,
Utama Bank dengan kepemilikan mayoritas sebesar with a majority ownership of 91.49% of the Company’s
91,49% dari total saham Perseroan. Adapun pemilik total shares. The ultimate beneficial owner of the Bank is
manfaat terakhir (ultimate beneficial owner) Bank adalah the Ministry of Economy and Finance of the Republic of
Kementerian Ekonomi dan Keuangan Republik Korea. Korea.
Skema kepemilikan saham kelompok usaha Bank per 31 The Bank’s business group share ownership structure as of
Desember 2025 disajikan sebagai berikut: December 31, 2025, is presented as follows:
Kementerian
Ekonomi dan
Keuangan Korea The Export-
Lainnya
Republik Korea Development Import Bank of
Others
Ministry of Economy Bank Korea
and Finance of the
Republic of Korea
59,50% 7,20% 1,84% 31,46%
Masyarakat
Industrial Bank of Korea
Public
91,49% 8,51%
PT Bank IBK Indonesia Tbk
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 127
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Profil Perusahaan • Company Profile
Industrial Bank of Korea (IBK)
Industrial Bank of Korea (IBK) merupakan institusi keuangan The Industrial Bank of Korea (IBK) is a South Korean state-owned
milik negara Korea Selatan yang didirikan pada 1 Agustus 1961 financial institution established on August 1, 1961, under the
berdasarkan Industrial Bank of Korea Act. Pembentukan IBK Industrial Bank of Korea Act. The establishment of IBK was part
merupakan bagian dari kebijakan strategis Pemerintah Korea of the Korean Government’s strategic policy to promote national
untuk mendorong kemandirian ekonomi nasional, khususnya economic independence, particularly through strengthening
melalui penguatan sektor usaha kecil dan menengah (UKM) the small and medium-sized enterprise (SME) sector as the
sebagai tulang punggung perekonomian. Sejak awal pendiriannya, backbone of the economy. Since its inception, IBK has served as
IBK berperan sebagai bank kebijakan (policy bank) yang berfokus a policy bank focused on financing, mentoring, and developing a
pada pembiayaan, pendampingan, dan pengembangan ekosistem sustainable SME ecosystem.
UKM secara berkelanjutan.
Secara konsolidasi, IBK Korea memiliki skala usaha yang signifikan On a consolidated basis, IBK Korea has a significant business
dengan jumlah karyawan mencapai 13.497 orang (khusus bank scale, with 13,497 employees (mainly at the parent bank) and an
induk) serta jaringan operasional yang luas melalui 687 kantor, extensive operational network spanning 687 offices, including
termasuk 58 kantor cabang luar negeri. Per 31 Desember 2025, 58 overseas branches. As of December 31, 2025, IBK recorded
IBK membukukan total aset sebesar USD347 miliar dan laba total assets of USD 347 billion and net profit of USD 1.9 billion,
bersih sebesar USD1,9 miliar, mencerminkan kinerja keuangan reflecting solid and sustainable financial performance. IBK’s share
yang solid dan berkelanjutan. Struktur kepemilikan saham IBK ownership structure is dominated by the Korean Government at
didominasi oleh Pemerintah Korea sebesar 59,50%, Korean 59.50%, the Korean Development Bank at 7.20%, and the Korea
Development Bank sebesar 7,20% dan Korea Export-Import Bank Export-Import Bank at 1.84% and others 31.46%.
sebesar 1,84% dan lainnya sebesar 31,46%.
IBK juga dikenal memiliki profil risiko dan permodalan yang sangat IBK is also known for its strong risk and capitalization profile,
kuat, tercermin dari peringkat kredit yang sejajar dengan peringkat reflected in its credit rating, which is on par with the South Korean
sovereign Korea Selatan. IBK memperoleh peringkat Aa2 dari sovereign rating. IBK holds an Aa2 rating from Moody’s and AA-
Moody’s, serta AA- dari Fitch Ratings dan Standard & Poor’s, from Fitch Ratings and Standard & Poor’s, placing it among the
menempatkannya sebagai salah satu bank dengan peringkat best-rated banks in Korea.
terbaik di antara perbankan Korea.
Dalam pengembangan pasar modal, IBK mulai mencatatkan To develop its capital markets, IBK listed its shares on the
sahamnya di Korean Securities Dealers Automated Quotations Korean Securities Dealers Automated Quotations (KOSDAQ)
(KOSDAQ) pada 30 November 1994. Selanjutnya, pada 24 on November 30, 1994. Subsequently, on December 24, 2003,
Desember 2003, IBK memindahkan pencatatan sahamnya ke Korea IBK transferred its shares to the Korea Stock Price Index (KOSPI)
Stock Price Index (KOSPI) melalui penawaran umum. Pada tahun through a public offering. That same year, on December 19,
yang sama, tepatnya 19 Desember 2003, IBK juga memperluas 2003, IBK also expanded access to global investors by listing
akses investor global melalui pencatatan sebanyak 48,53 juta 48.53 million Global Depository Shares on the Luxembourg Stock
Global Depository Shares di Luxembourg Stock Exchange. Exchange.
128 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Profil Perusahaan • Company Profile
Industrial Bank of Korea (IBK)
Pada tahun 2025, IBK terus mempertahankan reputasinya di By 2025, IBK continued to maintain its global reputation by
tingkat global dengan kembali memperoleh sejumlah penghargaan once again receiving several prestigious awards reflecting
bergengsi yang mencerminkan kekuatan inovasi, adaptabilitas, the institution’s strengths in innovation, adaptability, and
dan daya saing institusi, antara lain: competitiveness, including:
• Presiden Bank Kim Sung-tae Meraih Hadiah Utama di • Bank President Kim Sung-tae Wins Grand Prize at the 34th
Penghargaan Keuangan Dasan ke-34, yang Diselenggarakan Dasan Financial Awards, Hosted by The Korea Economic Daily
oleh The Korea Economic Daily dan Korea Financial Service and the Financial Services Commission
Commission
• Meraih peringkat tertinggi, ‘Leadership A,’ dalam evaluasi ‘CDP • Achieved the highest rating, ‘Leadership A,’ in the ‘2024 CDP
(Proyek Pengungkapan Karbon) 2024 (Carbon Disclosure Project)’ evaluation
• Pemenang Penghargaan Sektor Manajemen Karbon CDP • Winner of the 2024 CDP Korea ‘Carbon Management Sector
Korea 2024 untuk tahun ke-3 berturut-turut Honors’ for the 3rd consecutive year
• Pemenang Penghargaan Solusi Digital Pinjaman UKM Terbaik • Winner of the ‘2025 Global Best SME Loan Digital Solution
Global 2025 yang diselenggarakan oleh majalah Digital Banker Award’ organized by Digital Banker magazine
• Terpilih sebagai Call Center Unggul selama 19 tahun berturut- • Selected as an Excellent Call Center for 19 consecutive years
turut dalam ‘KSQI (Indeks Kualitas Layanan Korea) 2025 oleh in the ‘2025 KSQI (Korea Service Quality Index)’ by Korea
Asosiasi Konsultan Manajemen Korea Management Consulting Association
• Pemenang Penghargaan Bank UKM Terbaik di Korea 2025 • Winner of the ‘2025 Best SME Bank in Korea Award’ organized
yang diselenggarakan oleh majalah Digital Banker by Digital Banker magazine
• Pemenang Penghargaan Bank UKM Terbaik di Korea & Asia • Winner of the ‘2025 Best SME Bank in Korea & Asia Award’
2025 yang diselenggarakan oleh majalah Asian Banker organized by Asian Banker magazine
• Pemenang Penghargaan Bank UKM Terbaik di Korea 2025 • Winner of the ‘2025 Best SME Bank in Korea Award’ organized
yang diselenggarakan oleh Majalah Global Finance by Global Finance magazine
• Pemenang ‘Bank UKM Terbaik di Asia 2025’ yang • Winner of the ‘2025 Best SME Bank in Asia’ organized by
diselenggarakan oleh majalah Global Finance untuk Global Finance magazine Winner of the ‘Social Bond Award’
‘Penghargaan Obligasi Sosial’
• Pemenang ‘Penghargaan Keuangan Berkelanjutan Terbaik di • Winner of the ‘2025 Best Sustainable Finance Award in Korea’
Korea 2025’ yang diselenggarakan oleh Global Finance hosted by Global Finance
• Pemenang ‘Institusi Terbaik untuk Produk Investasi Jangka • Winner of the ‘2025 Best Institution for Short-term Investment
Pendek di Asia & Global 2025’ yang diselenggarakan oleh Products in Asia & Global’ hosted by Global Finance
Global Finance
• Pemenang ‘Penghargaan Bank Digital Terbaik di Korea 2025’ • Winner of the ‘2025 Best Digital Bank Award in Korea’ hosted
yang diselenggarakan oleh Euromoney by Euromoney
• Pemenang ‘Penghargaan Bank ESG Terbaik di Korea 2025’ • Winner of the ‘2025 Best ESG Bank Award in Korea’ hosted
yang diselenggarakan oleh Euromoney by Euromoney
• Pemenang ‘Penghargaan Bank Komersial Terbaik di Korea • Winner of the ‘2025 Best Commercial Bank Award in Korea’
2025’ yang diselenggarakan oleh The International Banke hosted by The International Banker
Visi IBK adalah “World’s Leading Financial Group with Global IBK’s vision is “World’s Leading Financial Group with Global
Competitiveness”, yang mencerminkan aspirasi untuk menjadi grup Competitiveness,” reflecting its aspiration to become a leading
keuangan terdepan dengan daya saing global. Untuk mewujudkan financial group with global competitiveness. To realize this vision,
visi tersebut, IBK berfokus pada penguatan pembiayaan inovatif, IBK focuses on strengthening innovative financing, improving
peningkatan kualitas manajemen yang berkesadaran tinggi, serta the quality of highly conscious management, and sustainably
pemberdayaan nasabah secara berkelanjutan. Nilai-nilai utama empowering customers. IBK’s core values are based on four
IBK berlandaskan pada 4 (empat) pilar, yaitu nasabah, tanggung pillars: customers, social responsibility, the role of government,
jawab sosial, peran pemerintah, dan kesejahteraan karyawan. and employee welfare.
Per 31 Desember 2025, IBK Korea memiliki 13 entitas anak yang As of December 31, 2025, IBK Korea has 13 subsidiaries that
mendukung diversifikasi bisnis dan ekspansi global, antara lain support business diversification and global expansion, including
IBK Capital Corporation, IBK Securities Co., Ltd., IBK Insurance IBK Capital Corporation, IBK Securities Co., Ltd., IBK Insurance
Co., Ltd., IBK Asset Management Co., Ltd., IBK Savings Bank Co., Ltd., IBK Asset Management Co., Ltd., IBK Savings Bank
Co., Ltd., IBK Systems Co., Ltd., IBK Credit Information Co., Co., Ltd., IBK Systems Co., Ltd., IBK Credit Information Co.,
Ltd., IBK Venture Investment Co., Ltd., IBK Service Co., Ltd., IBK Ltd., IBK Venture Investment Co., Ltd., IBK Service Co., Ltd., IBK
China Ltd., PT Bank IBK Indonesia Tbk, IBK Myanmar dan IBK China Ltd., PT Bank IBK Indonesia Tbk, IBK Myanmar and IBK
Bank Polska Spolka Akcyjna. Bank Polska Spolka Akcyjna.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 129
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Profil Perusahaan • Company Profile
Struktur Pemegang Saham IBK Korea IBK Korea Shareholder Structure
Susunan Pemegang Saham IBK Korea per 31 Desember The shareholder structure of IBK Korea as of December
2025 mencerminkan struktur kepemilikan yang kuat 31, 2025, reflects a strong ownership structure supported
dan didukung oleh institusi keuangan global. Struktur by global financial institutions. This structure provides a
ini memberikan landasan yang solid bagi Bank dalam solid foundation for the Bank to implement its business
menjalankan strategi bisnis, memperkuat tata kelola, serta strategy, strengthen governance, and maintain business
menjaga stabilitas dan keberlanjutan usaha. stability and sustainability.
Rincian susunan Pemegang Saham Bank per 31 Desember Details of the Bank’s shareholder structure as of December
2025 disajikan dalam tabel berikut: 31, 2025, are presented in the following table:
Saham Biasa Saham Preferen Jumlah
Common Stock Preferred Stock Total
Pemegang
Saham Jumlah Saham Jumlah Saham Jumlah Saham
Shareholders (Lembar Saham) Persentase (Lembar Saham) Persentase (Lembar Saham) Persentase
Total Shares Percentage Total Shares Percentage Total Shares Percentage
(Shares) (Shares) (Shares)
Ministry of Strategy
474.430.991 59,50 - - 474.430.991 59,50
and Finance
Korea Development
57.405.282 7,20 - - 57.405.282 7,20
Bank
The Export-Import
14.711.153 1,84 - - 14.711.153 1,84
Bank of Korea
Lainnya
250.878.443 31,46 - - 250.878.443 31,46
Others
Jumlah
797.425.869 100,00 - - 797.425.869 100,00
Total
Struktur Grup Bank
Bank Group Structure
Bank tidak memiliki Entitas Anak, Perusahaan Asosiasi, The Bank does not have any subsidiaries, associated
maupun Perusahaan Ventura Bersama, sehingga tidak companies, or joint ventures, and therefore, no information
terdapat informasi yang dapat disajikan terkait Struktur can be presented regarding the Bank’s Group Structure.
Grup Bank. Sepanjang tahun 2025, Bank memfokuskan Throughout 2025, the Bank focused its operations on
operasionalnya pada kegiatan usaha inti sehingga kebijakan core business activities so that business policies and
dan strategi bisnis dapat diimplementasikan secara lebih strategies can be implemented more effectively, directed,
efektif, terarah, dan konsisten guna mendukung pencapaian and consistently to support the achievement of business
tujuan usaha. objectives.
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Profil Perusahaan • Company Profile
Daftar Entitas Anak dan Entitas Asosiasi,
serta Joint Venture
List of Subsidiaries, Associates, and Joint Ventures
Hingga 31 Desember 2025, Bank tidak memiliki Entitas As of December 31, 2025, the Bank did not have any
Anak, Perusahaan Asosiasi, maupun Perusahaan Ventura subsidiaries, associated companies, or joint ventures.
Bersama.
Kronologi Pencatatan Saham
Stock Listing Chronology
Pada tahun 2014, Bank menapaki tonggak penting dalam In 2014, the Bank reached an important milestone in its
perjalanan korporasinya dengan melaksanakan IPO dan corporate journey by conducting an Initial Public Offering
resmi mencatatkan sahamnya di BEI. Aksi korporasi ini (IPO) and officially listing its shares on the Indonesia Stock
menjadi bagian dari strategi Bank untuk memperkuat Exchange (IDX). This corporate action is part of the Bank’s
struktur permodalan serta mendukung pertumbuhan strategy to strengthen its capital structure and support
bisnis yang berkelanjutan seiring dengan dinamika industri sustainable business growth in line with the dynamics of
perbankan. the banking industry.
Melalui aksi korporasi pencatatan saham tersebut, Bank Through this corporate action, the Bank gains greater capital
memperoleh fleksibilitas permodalan yang lebih kuat untuk flexibility to support product and service development,
mendukung pengembangan produk dan layanan, peningkatan enhance technological capabilities, and expand its
kapabilitas teknologi, serta perluasan jaringan usaha. business network. This step also reflects the Bank’s
Langkah ini sekaligus mencerminkan komitmen Bank dalam commitment to increasing transparency, accountability,
meningkatkan transparansi, akuntabilitas, dan penerapan tata and the implementation of good corporate governance to
kelola perusahaan yang baik guna memperkuat kepercayaan strengthen investor and stakeholder confidence.
investor dan pemangku kepentingan.
Uraian lebih lanjut mengenai kronologi pencatatan saham A further description of the Bank’s share listing chronology
Bank disajikan pada tabel berikut: is presented in the following table:
Lembar Saham
Jumlah Saham
Setelah Aksi
Baru yang Jumlah Saham
Pencatatan Korporasi
Tanggal Diterbitkan Nilai Nominal (Lembar Saham)
Saham (Lembar Saham)
Date (Lembar Saham) Par Value Total Shares
Share Listing Number of Shares
Total New Shares (Shares)
After Corporate
Issued (Shares)
Action (Shares)
Sebelum penawaran umum perdana saham - - 100 3.335.518.900
Before initial public offering
22 Desember Penawaran perdana 900.000.000 4.235.518.900 100 4.235.518.900
2014 saham
December 22, Initial public offering
2014
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 131
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Profil Perusahaan • Company Profile
Lembar Saham
Jumlah Saham
Setelah Aksi
Baru yang Jumlah Saham
Pencatatan Korporasi
Tanggal Diterbitkan Nilai Nominal (Lembar Saham)
Saham (Lembar Saham)
Date (Lembar Saham) Par Value Total Shares
Share Listing Number of Shares
Total New Shares (Shares)
After Corporate
Issued (Shares)
Action (Shares)
4 Desember 2015 Penawaran Umum 1.020.657.744 5.256.176.644 100 5.256.176.644
December 4, Terbatas (PUT) I
2015 Limited Public
Offering (PUT) I
22 Agustus 2019 Konversi saham 1.852.173.000 7.108.349.644 100 7.108.349.644
August 22, 2019 atas penggabungan
usaha dengan PT
Bank Mitraniaga Tbk
(NAGA)
Share conversion
due to the merger
with PT Bank
Mitraniaga Tbk
(NAGA)
31 Maret 2020 PUT II 4.117.657.394 11.226.007.038 100 11.226.007.038
March 31, 2020 Limited Public
Offering (PUT) II
31 Mei 2021 PUT III 6.440.485.010 17.666.492.048 100 17.666.492.048
May 31, 2021 Limited Public
Offering (PUT) III
29 Juli 2022 PUT IV 9.983.043.663 27.649.535.711 100 27.649.535.711
July 29, 2022 Limited Public
Offering (PUT) IV
27 Juni 2023 PUT V 10.133.668.354 37.783.204.065 100 37.783.204.065
June 27, 2023 Limited Public
Offering (PUT) V
28 Juni 2024 PUT VI 10.081.180.809 47.864.384.874 100 47.864.384.874
June 28, 2024 Limited Public
Offering (PUT) VI
*Seluruh saham Bank tercatat di Bursa Efek Indonesia | All of the Bank’s shares are listed on Indonesia Stock Exchange.
Kronologi Penerbitan Efek Lain
Chronology of Other Securities Issuance
Hingga akhir Desember 2025, Bank tidak menerbitkan Until the end of December 2025, the Bank did not issue any
efek selain saham, baik berupa obligasi, obligasi konversi, securities other than shares, including bonds, convertible
maupun sukuk. Dengan demikian, tidak terdapat informasi bonds, or sukuk. Therefore, no information regarding the
mengenai nama efek, tahun penerbitan, tingkat suku bunga name of the securities, issuance year, interest rate or yield,
atau imbal hasil, tanggal jatuh tempo, nilai penawaran, maturity date, offering value, or securities rating can be
maupun peringkat efek yang dapat disajikan. presented.
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Informasi Kantor Akuntan Publik (KAP)
dan Akuntan Publik
Information on Public Accounting Firm (KAP) and Public Accountant
Bank menunjuk Kantor Akuntan Publik (KAP) Suharli, The Bank has appointed the Public Accounting Firm (KAP)
Sugiarto & Rekan (ShineWing) yang terdaftar di OJK Suharli, Sugiarto & Rekan (ShineWing), registered with
sebagai auditor independen untuk mengaudit Laporan the Financial Services Authority (OJK), as the independent
Keuangan Perseroan atas tahun buku yang berakhir auditor to audit the Company’s Financial Statements for the
pada 31 Desember 2025. Penunjukan tersebut fiscal year ending December 31, 2025. This appointment
dilakukan berdasarkan usulan Dewan Komisaris dengan was made based on the recommendation of the Board of
memperhatikan rekomendasi Komite Audit, serta ditetapkan Commissioners, taking into account the recommendations
melalui Surat Keputusan Dewan Komisaris No. IM.001/ of the Audit Committee, and was stipulated in the Decree
BOC/IX/2025 tanggal 4 September 2025. of the Board of Commissioners No. IM.001/BOC/IX/2025
dated September 4, 2025.
KAP Suharli Sugiarto & Rekan (ShineWing)
Alamat | Address Biaya | Fee
UOB Plaza Lt. 34 • Jasa audit | Audit Services:
Jl. MH Thamrin Kav. 8-10 Rp/IDR 1.188.100.000
Jakarta, 10230
T : (021) 2933 2132 • Jasa Non-Audit | Non-Audit Services:
F : (021) 2933 2172 -
E : admin.office@shinewing.id
W : www.shinewing.id
Periode Penugasan | Assignment Period Jasa yang Diberikan | Services Provided
2025 • Jasa audit | Audit Services:
Audit Umum atas Laporan Keuangan Tahun Buku 2025
• Jasa Non-Audit | Non-Audit Services:
-
Lembaga dan Profesi Penunjang Pasar Modal
Capital Market Supporting Institutions and Professions
Informasi Perdagangan dan Pencatatan Saham | Information on Share Trading and Listing
Nama | Name Jasa yang Diberikan | Services Provided
PT Bursa Efek Indonesia Jasa pencatatan tahunan saham.
Annual share listing services.
Alamat | Address Biaya | Fee Periode Penugasan | Assignment Period
Gedung Bursa Efek Indonesia, Rp | IDR 277.500.000 2025
Tower 1, Jl. Jend. Sudirman Kav. 52 - 53
Jakarta 12190, Indonesia
T : (021) 5150 515
F : (021) 5154 153
W : www.idx.co.id
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Profil Perusahaan • Company Profile
Notaris | Notary
Nama | Name Jasa yang Diberikan | Services Provided
Christina Dwi Utami, S.H., M.Hum., M.Kn. Pelaksanaan Rapat Umum Pemegang Saham Tahunan dan Luar Biasa.
Implementation of the Annual and Extraordinary General Meeting of Shareholders.
Alamat | Address Biaya | Cost Periode Penugasan | Assignment Period
Jl. KH Zainul Arifin No. 2, Rp | IDR 51.615.000 2025
Komp. Ketapang Indah Blok B-2 No. 4-5
Jakarta 11140
T : (021) 6301 511
F : (021) 8337 851
W : christina@notarischristina.com
Biro Administrasi Efek | Share Registrar Bureau
Nama | Name Jasa yang Diberikan | Services Provided
PT Adimitra Jasa Korpora Jasa administrasi saham pasar sekunder.
Secondary market share administration services.
Alamat | Address Biaya | Cost Periode Penugasan | Assignment Period
Rukan Kirana Boutique Office Rp | IDR 49.960.000 2025
Jl. Kirana Avenue III Blok F3 No. 5
Jakarta 14240, Indonesia
T : (021) 2974 5222
F : (021) 2928 9961
W : www.adimitrajk.co.id
Kustodian
Nama | Name Jasa yang Diberikan | Services Provided
PT Kustodian Sentral Efek Indonesia Pengelolaan administrasi efek (saham).
Management of securities administration (shares).
Alamat | Address Biaya | Cost Periode Penugasan | Assignment Period
Gedung Bursa Efek Indonesia, Rp | IDR 11.100.000 2025
Tower 1, Lt. 5
Jl. Jend. Sudirman Kav. 52-53
Jakarta 12190 Indonesia
T : (021) 5152 855
F : (021) 5299 1199
W : www.ksei.co.id
Konsultan Hukum | Legal Consultant
Nama | Name Jasa yang Diberikan | Services Provided
ABNR Counsellors at Law ALI BUDIARDJO, Lembaga profesional yang memberikan nasihat hukum kepada individu, organisasi,
NUGROHO, REKSODIPUTRO (ABNR) atau perusahaan. Mereka dapat bekerja secara independen atau menjadi bagian
dari firma hukum.
Professional institutions that provide legal advice to individuals, organizations, or
companies. They can work independently or be part of a law firm
Alamat | Address Biaya | Cost Periode Penugasan | Assignment Period
Graha CIMB Niaga, Lantai 24 Rp | IDR 361.384.232,00 2025
Jl. Jend. Sudirman No. Kav. 58
Jakarta 12190, Indonesia
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Informasi Pada Situs Web Bank
Information on The Bank Website
Dalam rangka memenuhi prinsip keterbukaan informasi To comply with the principle of information transparency
serta memastikan akses informasi yang setara bagi publik and ensure equal access to information for the public and
dan seluruh pemangku kepentingan, Bank mengelola situs all stakeholders, the Bank maintains an official website
web resmi yang dapat diakses melalui www.ibk.co.id. Situs accessible at www.ibk.co.id. This website serves as the
web tersebut berfungsi sebagai sarana komunikasi utama Bank’s primary communication channel for delivering
Bank dalam menyampaikan informasi yang relevan, terkini, relevant, up-to-date, and accountable information
dan dapat dipertanggungjawabkan terkait kegiatan usaha, regarding business activities, performance, and corporate
kinerja, serta tata kelola perusahaan. governance.
Seluruh informasi yang dipublikasikan melalui situs web All information published on the Bank’s website has
Bank telah melalui proses validasi internal oleh manajemen undergone an internal validation process by management
guna memastikan keakuratan, kelengkapan, dan konsistensi to ensure accuracy, completeness, and consistency of
informasi, serta disajikan dengan mengacu pada prinsip information, and is presented in accordance with the
transparansi dan keterbukaan informasi sebagaimana principles of transparency and information disclosure as
diatur dalam ketentuan yang berlaku. stipulated in applicable regulations.
Dalam pengelolaan dan pemutakhiran konten situs web, In managing and updating website content, the Bank
Bank berpedoman pada POJK No. 8/POJK.04/2015 adheres to OJK Regulation No. 8/POJK.04/2015
tentang Situs Web Emiten atau Perusahaan Publik. concerning Websites of Issuers or Public Companies. This
Peraturan tersebut mengatur kewajiban perusahaan regulation stipulates the obligation of public companies to
publik untuk menyediakan dan memperbarui informasi provide and update certain information periodically for easy
tertentu secara berkala agar dapat diakses oleh pemangku and timely access by stakeholders.
kepentingan secara mudah dan tepat waktu.
Sesuai dengan ketentuan tersebut, situs web Bank memuat In accordance with this provision, the Bank’s website
paling sedikit 4 (empat) komponen utama, yaitu: contains at least four main components:
1. Informasi umum mengenai emiten atau perusahaan 1. General information regarding the issuer or public
publik; company;
2. Informasi yang ditujukan bagi pemodal atau investor; 2. Information intended for investors;
3. Informasi terkait penerapan tata kelola perusahaan; 3. Information related to the implementation of corporate
serta governance; and
4. Informasi mengenai pelaksanaan tanggung jawab 4. Information regarding the implementation of corporate
sosial perusahaan. social responsibility.
Melalui pengelolaan situs web yang informatif dan andal, Through the management of an informative and reliable
Bank berkomitmen untuk terus meningkatkan kualitas website, the Bank is committed to continuously
keterbukaan informasi sebagai bagian dari penerapan tata improving the quality of information disclosure as part of
kelola perusahaan yang baik dan berkelanjutan. the implementation of good and sustainable corporate
governance.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 135
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Profil Perusahaan • Company Profile
Beranda Produk
Home Product
Menu yang memuat informasi Menu yang memuat informasi
mengenai berita & pemberitahuan, mengenai produk Bank, seperti
promosi & acara, serta suku bunga simpanan, pinjaman, foreign exchange,
dasar kredit. remitansi, dan trade finance.
Menu containing information regarding news Menu containing information regarding Bank
& notifications, promotions & events, and products, such as savings, loans, foreign
prime lending rate. exchange, remittances, and trade finance.
Internet Banking IBK Network
Menu yang memuat informasi Informasi Bank Menu yang memuat informasi
mengenai layanan internet banking Bank Information mengenai kontak/alamat Bank, seperti
bagi nasabah. kantor pusat, informasi cabang, dan
Menu containing information regarding jaringan global.
internet banking services for customers. Menu yang memuat informasi Menu containing information regarding Bank
mengenai Bank IBK Indonesia, tata contacts/addresses, such as head office,
kelola, hubungan investor, dan CSR. branch information, and global network.
Menu containing information regarding
Bank IBK Indoneisa, its governance, investor
relations, and CSR.
Selain mengandalkan situs web resmi Bank, keterbukaan In addition to relying on the Bank’s official website,
informasi kepada para pemangku kepentingan juga information disclosure to stakeholders is also done through
dilakukan melalui situs web BEI (www.idx.co.id) dengan the IDX website (www.idx.co.id) by accessing the stock
mengakses kode saham “AGRS”. Melalui keterbukaan code “AGRS”. Through information disclosure on the
informasi di BEI, Bank memastikan bahwa investor dan IDX, the Bank ensures that investors and stakeholders
pemangku kepentingan memperoleh data yang akurat, obtain accurate, consistent, and timely data regarding
konsisten, dan tepat waktu mengenai pergerakan saham, stock movements, corporate actions, and other capital
aksi korporasi, serta informasi permodalan lainnya sesuai information in accordance with applicable capital market
dengan ketentuan pasar modal yang berlaku. regulations.
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Profil Perusahaan • Company Profile Teknologi Informasi Sebagai Pilar Pendukung Keberlanjutan Bisnis Bank Information Technology as a Supporting Pillar for Bank Business Sustainability Teknologi Informasi (TI) merupakan salah satu pilar utama Information Technology (IT) is a key pillar in maintaining dalam menjaga keberlanjutan bisnis Bank di tengah the Bank’s business sustainability amidst the increasingly dinamika industri perbankan yang semakin kompleks dan complex and competitive dynamics of the banking industry. kompetitif. Perkembangan teknologi yang pesat, perubahan Rapid technological developments, changing customer perilaku nasabah, serta tuntutan efisiensi dan keamanan behavior, and demands for efficiency and security drive mendorong Bank untuk terus memperkuat kapabilitas the Bank to continuously strengthen its technological teknologi sebagai fondasi operasional dan pengambilan capabilities as the foundation for its operations and keputusan bisnis. business decision-making. Sepanjang tahun 2025, Bank secara konsisten Throughout 2025, the Bank consistently optimized the mengoptimalkan pemanfaatan TI untuk memastikan use of IT to ensure operational continuity, improve service kelangsungan operasional, meningkatkan kualitas layanan, quality, and strengthen long-term competitiveness. serta memperkuat daya saing jangka panjang. Penerapan The implementation of reliable and integrated systems sistem yang andal dan terintegrasi memungkinkan Bank enables the Bank to conduct business activities efficiently, menjalankan aktivitas bisnis secara efisien, akurat, dan accurately, and sustainably, while supporting compliance berkesinambungan, sekaligus mendukung pemenuhan with regulatory requirements and prudential principles. ketentuan regulator dan prinsip kehati-hatian. Selain mendukung operasional sehari-hari, TI juga berperan In addition to supporting daily operations, IT also plays strategis dalam memperkuat manajemen risiko, menjaga a strategic role in strengthening risk management, keamanan data dan informasi, serta memastikan kesiapan maintaining data and information security, and ensuring the Bank dalam menghadapi potensi gangguan operasional. Bank’s readiness to face potential operational disruptions. Sejalan dengan hal tersebut, Bank secara konsisten In line with this, the Bank consistently strengthens its memperkuat infrastruktur, tata kelola TI, dan pengendalian infrastructure, IT governance, and internal controls to internal untuk menjaga stabilitas sistem serta melindungi maintain system stability and protect the interests of all kepentingan seluruh pemangku kepentingan. stakeholders. Dengan menjadikan TI sebagai enabler strategis, Bank By utilizing IT as a strategic enabler, the Bank is not only tidak hanya mampu merespons perubahan secara able to respond adaptively to change but also build a adaptif, tetapi juga membangun fondasi pertumbuhan foundation for sustainable growth. This approach ensures yang berkelanjutan. Pendekatan ini memastikan bahwa that the digital transformation undertaken aligns with transformasi digital yang dijalankan selaras dengan strategi the Bank’s business strategy, supports long-term value bisnis Bank, mendukung penciptaan nilai jangka panjang, creation, and strengthens the trust of customers, investors, serta memperkuat kepercayaan nasabah, investor, dan and regulators. regulator. Tata Kelola Teknologi Informasi Information Technology Governance Bank menerapkan Tata Kelola TI sesuai dengan ketentuan The Bank implements IT Governance in accordance POJK No. 11/POJK.03/2022 tentang Penyelenggaraan with POJK No. 11/POJK.03/2022 concerning the Teknologi Informasi oleh Bank Umum, serta mengacu Implementation of Information Technology by Commercial PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 137
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Profil Perusahaan • Company Profile
pada praktik terbaik yang umum diterapkan di industri Banks, and refers to best practices commonly applied in
perbankan. Penerapan Tata Kelola TI tersebut ditujukan the banking industry. The implementation of IT Governance
untuk memastikan bahwa pemanfaatan TI mendukung aims to ensure that IT utilization supports the achievement
pencapaian strategi dan tujuan bisnis Bank, serta dikelola of the Bank’s business strategy and objectives and is
secara andal, aman, dan berkesinambungan. managed reliably, securely, and sustainably.
Pada penerapannya, Bank mengacu pada kerangka tata In its implementation, the Bank refers to IT governance and
kelola dan manajemen TI yang lazim digunakan di industri management frameworks commonly used in the banking
perbankan, antara lain prinsip-prinsip COBIT untuk industry, including the COBIT principles for IT management
pengelolaan dan pengendalian TI, ITIL dalam pengelolaan and control, ITIL for IT service management, and relevant
layanan TI, serta standar manajemen risiko dan keamanan risk management and information security standards.
informasi yang relevan. Kerangka tersebut menjadi This framework serves as a reference for IT planning, risk
acuan dalam pengaturan perencanaan TI, pengelolaan management, internal control, system security, and the
risiko, pengendalian internal, keamanan sistem, serta continuity of information technology services.
kesinambungan layanan teknologi informasi.
Through a structured governance framework, the Bank
Melalui kerangka tata kelola yang terstruktur, Bank ensures clear roles and responsibilities, adequate IT risk
memastikan kejelasan peran dan tanggung jawab, management, effective internal control mechanisms, and
penerapan manajemen risiko TI yang memadai, mekanisme continuous monitoring and evaluation. This approach
pengendalian internal yang efektif, serta proses pemantauan enables the Bank to optimize the added value of its
dan evaluasi yang dilakukan secara berkesinambungan. information technology investments while maintaining
Pendekatan ini memungkinkan Bank untuk mengoptimalkan regulatory compliance and protecting the interests of all
nilai tambah dari investasi teknologi informasi sekaligus stakeholders.
menjaga kepatuhan terhadap regulasi serta melindungi
kepentingan seluruh pemangku kepentingan.
Strategi Pengembangan Teknologi Information Technology Development
Informasi Tahun 2025 Strategy for 2025
Pada tahun 2025, Bank menetapkan strategi In 2025, the Bank established an IT development strategy
pengembangan TI sebagai pilar strategis dalam mendukung as a strategic pillar to support digital transformation,
transformasi digital, penguatan ketahanan operasional, strengthen operational resilience, and ensure business
serta keberlanjutan bisnis Bank. Strategi ini dirancang sustainability. This strategy is designed to ensure IT
untuk memastikan pemanfaatan TI berjalan selaras dengan utilization aligns with the Bank’s business strategy,
strategi bisnis Bank, perkembangan teknologi, serta technological developments, regulatory requirements, and
ketentuan regulator dan praktik terbaik industri perbankan. banking industry best practices.
Dalam mendukung pengembangan digital banking, Bank To support digital banking development, the Bank focuses
memfokuskan strategi TI pada peningkatan kapabilitas its IT strategy on enhancing the capabilities of integrated,
sistem digital yang terintegrasi, andal, dan berorientasi reliable, and customer-oriented digital systems. Digital
pada kebutuhan nasabah. Pengembangan dan applications and platforms are being developed and refined
penyempurnaan aplikasi serta platform digital dilakukan to improve ease of access, speed of service, and the
untuk meningkatkan kemudahan akses, kecepatan layanan, quality of the customer experience, while simultaneously
dan kualitas pengalaman nasabah, sekaligus mendukung supporting the efficiency of end-to-end business processes.
efisiensi proses bisnis secara end-to-end. Seluruh All digital development efforts are being implemented while
pengembangan digital tersebut dilaksanakan dengan tetap prioritizing the principles of prudence, data security, and
mengedepankan prinsip kehati-hatian, keamanan data, dan compliance with applicable regulations.
kepatuhan terhadap ketentuan yang berlaku.
Kemudian seiring dengan meningkatnya ketergantungan Furthermore, in line with the increasing reliance on digital
pada sistem digital, Bank memberikan perhatian yang systems, the Bank is placing significant emphasis on
signifikan terhadap penguatan cybersecurity. Strategi strengthening cybersecurity. The information security
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Profil Perusahaan • Company Profile pengelolaan keamanan informasi diarahkan pada management strategy is aimed at enhancing the protection peningkatan perlindungan terhadap infrastruktur TI, sistem of the Bank’s IT infrastructure, application systems, and aplikasi, dan data Bank dari potensi ancaman siber. data from potential cyber threats. The Bank is continuously Bank secara berkelanjutan melakukan penguatan kontrol strengthening security controls, monitoring system activity, keamanan, pemantauan aktivitas sistem, serta peningkatan and increasing information security awareness across the kesadaran keamanan informasi di seluruh lini organisasi organization to mitigate the risk of cyberattacks and data guna memitigasi risiko serangan siber dan kebocoran data. breaches. Selain itu, Bank juga menempatkan business continuity Furthermore, the Bank also places business continuity as an sebagai bagian integral dari strategi pengembangan TI. integral part of its IT development strategy. The Bank ensures Bank memastikan tersedianya sistem pendukung yang the availability of support systems capable of maintaining mampu menjaga kesinambungan operasional melalui operational continuity through the implementation of penerapan rencana kesinambungan bisnis dan pemulihan adequate business continuity and disaster recovery plans bencana (Business Continuity Plan dan Disaster Recovery (Business Continuity Plan and Disaster Recovery Plan). Plan) yang memadai. Pengujian berkala atas kesiapan Regular testing of system readiness, backup infrastructure, sistem, infrastruktur cadangan, serta prosedur pemulihan and recovery procedures is conducted to ensure the dilakukan untuk memastikan layanan Bank tetap berjalan Bank’s services continue to operate optimally under normal secara optimal dalam kondisi normal maupun pada saat conditions and during disruptions. terjadi gangguan. Seluruh strategi dan implementasi TI tersebut dilaksanakan All IT strategies and implementations are implemented dengan mengacu pada ketentuan OJK serta selaras in accordance with OJK regulations and are aligned dengan praktik terbaik yang berlaku secara internasional. with international best practices. The Bank ensures the Bank memastikan penerapan tata kelola TI yang kuat implementation of robust IT governance through the active melalui peran aktif Direksi dan Dewan Komisaris dalam role of the Board of Directors and Board of Commissioners melakukan pengawasan, penerapan pengelolaan risiko TI in oversight, the implementation of integrated IT risk secara terintegrasi, serta penguatan fungsi pengendalian management, and the strengthening of internal control internal guna mendukung keandalan dan keamanan sistem functions to support the reliability and security of the Bank’s informasi Bank. information systems. Melalui penerapan strategi pengembangan TI yang Through the implementation of a comprehensive and komprehensif dan terarah, Bank berkomitmen untuk targeted IT development strategy, the Bank is committed memperkuat kapabilitas digital, meningkatkan ketahanan to strengthening digital capabilities, enhancing system sistem, serta memastikan keberlanjutan bisnis secara resilience, and ensuring sustainable business continuity, berkelanjutan, sehingga mampu memberikan nilai tambah thereby providing optimal added value for customers and yang optimal bagi nasabah dan seluruh pemangku all stakeholders. kepentingan. Kapabilitas Disaster Recovery Bank dan The Bank’s Disaster Recovery Capabilities and Pengelolaan Risiko Teknologi Informasi Information Technology Risk Management Bank memiliki kapabilitas Disaster Recovery yang The Bank has Disaster Recovery capabilities designed dirancang untuk memastikan kesinambungan operasional to ensure operational continuity and IT service availability dan ketersediaan layanan TI dalam menghadapi potensi in the face of potential disruptions, whether technical, gangguan, baik yang bersifat teknis, operasional, maupun operational, or due to external events. The system recovery akibat kejadian eksternal. Mekanisme pemulihan sistem mechanism is structured through a Disaster Recovery disusun secara terstruktur melalui keberadaan Disaster Plan (DRP) and Business Continuity Plan (BCP), which Recovery Plan (DRP) dan Business Continuity Plan include the determination of critical systems, recovery (BCP), yang mencakup penetapan sistem kritikal, skenario scenarios, and recovery time and level targets (Recovery pemulihan, serta target waktu dan tingkat pemulihan Time Objective and Recovery Point Objective) tailored to (Recovery Time Objective dan Recovery Point Objective) the Bank’s risk profile. yang disesuaikan dengan profil risiko Bank. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 139
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Untuk memastikan efektivitas implementasi, Bank To ensure effective implementation, the Bank conducts
melaksanakan pengujian DRP dan BCP secara berkala periodic and planned DRP and BCP testing to assess
dan terencana guna menilai kesiapan infrastruktur, infrastructure readiness, procedural reliability, and
keandalan prosedur, serta koordinasi antar fungsi terkait. coordination between related functions. The test results
Hasil pengujian tersebut digunakan sebagai dasar evaluasi are used as the basis for continuous evaluation and
dan penyempurnaan berkelanjutan atas kebijakan dan improvement of system recovery policies and procedures.
prosedur pemulihan sistem.
Kapabilitas Disaster Recovery dan pengelolaan risiko
TI tersebut dikelola secara terintegrasi dalam kerangka The Disaster Recovery capabilities and IT risk management
manajemen risiko Bank secara menyeluruh, yang are managed in an integrated manner within the Bank’s
mencakup proses identifikasi, pengukuran, pemantauan, overall risk management framework, which encompasses
dan pengendalian risiko. Pelaksanaan pengelolaan the processes of risk identification, measurement,
risiko TI serta hasil pengujian DRP dan BCP dilaporkan monitoring, and control. The implementation of IT risk
secara berkala kepada Direksi dan Dewan Komisaris management and the results of the DRP and BCP testing
sebagai bagian dari fungsi pengawasan dan pengambilan are reported periodically to the Board of Directors and the
keputusan strategis. Board of Commissioners as part of their oversight and
strategic decision-making functions.
Melalui penerapan tata kelola TI yang kuat dan pengelolaan
risiko yang terintegrasi, Bank memastikan keandalan Through the implementation of strong IT governance and
sistem, mitigasi risiko operasional, serta perlindungan integrated risk management, the Bank ensures system
kepentingan nasabah dan pemangku kepentingan lainnya reliability, operational risk mitigation, and the ongoing
secara berkelanjutan, sejalan dengan ketentuan OJK dan protection of the interests of customers and other
praktik terbaik industri perbankan. stakeholders, in line with OJK regulations and banking
industry best practices.
Risiko Siber dan Upaya Pencegahannya Cyber Risk and Its Prevention
Risiko siber merupakan salah satu risiko yang semakin Cyber risk is a risk that is increasing along with the use of
meningkat seiring dengan pemanfaatan TI dan digitalisasi IT and the digitalization of banking services. This risk can
layanan perbankan. Risiko ini dapat timbul akibat ancaman arise from external and internal threats, including malware
eksternal maupun internal, termasuk serangan malware, attacks, phishing, system hacking, access abuse, and
phishing, peretasan sistem, penyalahgunaan akses, serta disruptions to the availability and integrity of the Bank’s
gangguan terhadap ketersediaan dan integritas data dan data and information systems.
sistem informasi Bank.
Bank menyadari bahwa risiko siber berpotensi menimbulkan The Bank recognizes that cyber risk has the potential to
dampak signifikan terhadap kelangsungan operasional, significantly impact operational continuity, reputation,
reputasi, kepercayaan nasabah, serta stabilitas sistem customer trust, and the stability of the banking system.
perbankan. Oleh karena itu, Bank menerapkan pengelolaan Therefore, the Bank implements integrated cyber risk
risiko siber secara terintegrasi sebagai bagian dari management as part of its IT risk management framework
kerangka manajemen risiko TI dan manajemen risiko Bank and overall bank risk management.
secara menyeluruh.
Dalam upaya pencegahan, Bank telah menetapkan As a preventative measure, the Bank has established
kebijakan dan prosedur keamanan informasi yang mencakup information security policies and procedures that
pengendalian akses, pengamanan jaringan dan sistem, encompass access control, network and system security,
pemantauan aktivitas sistem secara berkelanjutan, serta continuous monitoring of system activity, and the
penerapan mekanisme deteksi dini atas potensi ancaman implementation of early detection mechanisms for potential
siber. Bank juga memperkuat infrastruktur keamanan cyber threats. The Bank also strengthens its security
melalui penggunaan security tools yang memadai, termasuk infrastructure through the use of adequate security tools,
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Profil Perusahaan • Company Profile firewall, intrusion detection and prevention system, serta including firewalls, intrusion detection and prevention mekanisme data protection yang sesuai dengan tingkat systems, and data protection mechanisms appropriate to sensitivitas informasi. the sensitivity of the information. Selain penguatan teknologi, Bank secara berkelanjutan In addition to strengthening technology, the Bank meningkatkan kesadaran dan kompetensi SDM melalui continuously improves human resource awareness and program edukasi dan pelatihan keamanan informasi guna competency through information security education and memitigasi risiko yang bersumber dari faktor manusia training programs to mitigate risks stemming from human (human error) salah satunya dengan secara berkala error. This includes conducting regular cybersecurity tests melakukan pengujian keamanan siber berdasarkan skenario based on scenarios such as simulated phishing attacks seperti simulasi serangan phising melalui email. Bank juga via email. The Bank also conducts regular system security melakukan pengujian keamanan sistem secara berkala, tests, including vulnerability assessments and penetration termasuk vulnerability assessment dan penetration testing, testing, to ensure the effectiveness of implemented untuk memastikan efektivitas pengendalian yang telah controls. diterapkan. Seluruh pengelolaan risiko siber tersebut berada di bawah All cyber risk management is under the supervision of the pengawasan Direksi dan Dewan Komisaris, serta dilaporkan Board of Directors and the Board of Commissioners and secara berkala sebagai bagian dari fungsi tata kelola dan is reported periodically as part of the internal governance pengendalian internal. Melalui penerapan pengelolaan risiko and control function. Through the implementation of siber yang komprehensif dan berkesinambungan, Bank comprehensive and continuous cyber risk management, berkomitmen untuk menjaga keandalan sistem, melindungi the Bank is committed to maintaining system reliability, data nasabah, serta memastikan kesinambungan layanan protecting customer data, and ensuring the continuity of perbankan sesuai dengan ketentuan OJK dan praktik banking services in accordance with OJK regulations and terbaik industri. industry best practices. Ketersediaan SDM yang Memiliki Availability of Human Resources with Keahlian di Bidang TI Expertise in IT Bank menyadari bahwa keberhasilan penerapan dan The Bank recognizes that the success of IT implementation pengelolaan TI sangat ditentukan oleh ketersediaan SDM and management is crucially determined by the availability yang kompeten dan memiliki keahlian yang memadai di of competent and adequately skilled human resources bidang TI. Oleh karena itu, Bank secara berkelanjutan in the IT field. Therefore, the Bank continuously ensures memastikan kecukupan dan kualitas SDM di bidang TI the adequacy and quality of its IT human resources as an sebagai bagian integral dari strategi penguatan tata kelola integral part of its strategy for strengthening governance dan transformasi digital Bank. and digital transformation. Sampai dengan akhir 2025, Bank didukung oleh sebanyak By the end of 2025, the Bank had 64 employees with IT 64 orang karyawan yang memiliki kompetensi di bidang TI competencies aligned with the Bank’s operational and sesuai dengan kebutuhan operasional dan pengembangan system development needs, which generally include IT sistem Bank yang secara umum mencakup pengelolaan infrastructure management, application development infrastruktur TI, pengembangan dan pemeliharaan aplikasi, and maintenance, information and cybersecurity, data keamanan informasi dan siber, pengelolaan data, serta management, and support for digital banking services. dukungan terhadap layanan digital perbankan. Penempatan The placement of IT-skilled personnel is structured, taking SDM yang memiliki keahlian di bidang TI dilakukan secara into account the separation of functions, the principle of terstruktur dengan memperhatikan pemisahan fungsi, prudence, and the adequacy of internal controls. prinsip kehati-hatian, dan kecukupan pengendalian internal. Dalam rangka menjaga relevansi kompetensi terhadap To maintain the relevance of competencies to technological perkembangan teknologi dan dinamika risiko, Bank secara developments and risk dynamics, the Bank actively aktif menyelenggarakan program pengembangan kapasitas implements IT HR capacity development programs through SDM TI melalui pelatihan, sertifikasi profesional, knowledge training, professional certification, knowledge sharing, PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 141
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Profil Perusahaan • Company Profile sharing, serta peningkatan kompetensi yang mengacu pada and competency enhancement programs that adhere to standar dan praktik terbaik industri perbankan. Upaya ini banking industry standards and best practices. These dilakukan untuk memastikan SDM TI memiliki pemahaman efforts ensure that IT HR has an adequate understanding yang memadai terhadap regulasi, manajemen risiko TI, of regulations, IT risk management, information security, keamanan informasi, serta prinsip keberlanjutan sistem. and system sustainability principles. Bank juga memastikan ketersediaan SDM TI yang memadai The Bank also ensures the availability of adequate IT HR untuk mendukung pelaksanaan fungsi pengawasan dan to support the implementation of supervisory and control pengendalian, termasuk dalam pengelolaan risiko TI dan functions, including IT risk management and cybersecurity. keamanan siber. Seluruh pengelolaan SDM TI berada di All IT HR management is under the supervision of the bawah pengawasan Direksi dan dilaporkan secara berkala Board of Directors and reports periodically to the Board kepada Dewan Komisaris sebagai bagian dari penerapan of Commissioners as part of the implementation of GCG. GCG. Pencapaian Teknologi Informasi Tahun Information Technology Achievements in 2025 2025 Sepanjang tahun 2025, Bank terus memperkuat peran TI Throughout 2025, the Bank continued to strengthen the sebagai enabler utama dalam mendukung strategi bisnis, role of IT as a key enabler in supporting business strategy, peningkatan kualitas layanan, serta penguatan ketahanan improving service quality, and strengthening operational operasional. Berbagai inisiatif TI dijalankan secara terarah resilience. Various IT initiatives were implemented in a dengan tetap mengedepankan prinsip kehati-hatian, targeted manner while prioritizing prudent principles, system keamanan sistem, dan kepatuhan terhadap ketentuan security, and compliance with regulatory requirements. regulator. Pada tahun 2025, Bank mencatat sejumlah pencapaian In 2025, the Bank recorded several significant IT penting di bidang TI, antara lain melakukan peremajaan achievements, including upgrading software and terhadap perangkat lunak maupun perangkat keras yang hardware within its IT infrastructure, such as upgrading menjadi bagian dari infrastruktur TI, seperti operating system the Windows 10 operating system to Windows 11, and Windows 10 menjadi Windows 11 dan perangkat komputer upgrading computer devices that were no longer optimal yang sudah tidak optimal dalam mendukung kebutuhan for supporting work requirements. In terms of services, pekerjaan. Pada aspek layanan, Bank meluncurkan the Bank launched several new services, such as LCT beberapa service baru seperti LCT Remittance, Usance Remittance and Usance Import Remittance. It expanded Import Remittance, perluasan portofolio layanan its digital service portfolio through the implementation of digital melalui implementasi fitur pembayaran digital the QRIS digital payment feature, e-wallet top-ups, and tax QRIS, pengisian saldo kartu uang elektronik (Top Up payment acceptance through the State Revenue Module E-Wallet) dan penerimaan pembayaran pajak dengan (MPN). To improve operational effectiveness, the Bank Modul Penerimaan Negara (MPN). Untuk meningkatkan optimized the digitization of processes and documents efektivitas operasional, Bank mengoptimalkan digitalisasi by creating a portal that serves as a knowledge sharing proses dan dokumen dengan membuat portal yang platform and reference for daily work. This includes IT berperan sebagai media sharing knowledge dan referensi manual guides, the creation of an automated testing dalam menjalankan pekerjaan sehari hari, terdiri dari application for IT QA testing on the Android mobile banking manual guide IT, pembuatan aplikasi testing otomatis application, the digitization of supporting documents for untuk pengetesan IT QA pada aplikasi mobile banking core banking transactions, and the implementation of android, digitalisasi dokumen pendukung untuk transaksi paperless appraisals. In terms of IT security, the Bank has core banking serta penerapan paperless appraisal. Dari undertaken several strategic initiatives to implement a Data sisi IT security, Bank telah manjalankan sejumlah inisiatif Loss Prevention (DLP) application and enhance security strategis untuk mengimplementasikan aplikasi DLP (Data on BI Fast by implementing HTTP, IPSEC, and message Loss Prevention), melakukan peningkatan keamanan pada signing using HSM. BI Fast dengan menerapkan HTTP, IPSEC dan Message signing dengan menggunakan HSM. 142 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Profil Perusahaan • Company Profile Seluruh pencapaian tersebut mencerminkan komitmen All of these achievements reflect the Bank’s commitment to Bank dalam meningkatkan keandalan infrastruktur TI, improving the reliability of its IT infrastructure, strengthening memperkuat kapabilitas sistem informasi, serta mendukung its information system capabilities, and supporting transformasi digital yang berkelanjutan. sustainable digital transformation. Rencana Strategis Pengembangan 2026 Information Technology Teknologi Informasi Tahun 2026 Development Strategic Plan Memasuki tahun 2026, Bank telah mempersiapkan As we enter 2026, the Bank has prepared a strategic rencana strategis pengembangan TI yang diselaraskan IT development plan that is fully aligned with the Bank’s secara menyeluruh dengan arah dan strategi bisnis Bank. business direction and strategy. This plan is designed to Perencanaan ini dirancang untuk memastikan bahwa ensure that IT development not only serves as a supporting pengembangan TI tidak hanya berperan sebagai fungsi function but also becomes a key enabler in driving business pendukung, tetapi juga menjadi enabler utama dalam growth, improving service quality, and strengthening the mendorong pertumbuhan usaha, peningkatan kualitas Bank’s resilience and competitiveness. layanan, serta penguatan ketahanan dan daya saing Bank. Rencana strategis pengembangan TI Bank di tahun The Bank’s strategic IT development plan for next year depan akan difokuskan pada Penguatan IT Infrastructure, will focus on strengthening IT infrastructure, security, security dan governance dengan menjalankan technology and governance by implementing technology refreshes refreshment untuk perangkat Network, Storage, firewall for network devices, storage, firewalls, load balancers, dan load balancer, server, share folder (working folder) servers, shared folders (working folders), and replacing serta penggantian perangkat komputer untuk user. user computers. The organization will be strengthened by Penguatan organisasi dengan melakukan perubahan dan implementing changes and strengthening the IT security penguatan fungsi IT Security. Peluncuran layanan digital function. New digital services will be launched, including baru meliputi digital onboarding dengan e-KYC, fitur digital onboarding with e-KYC, a cardless cash withdrawal penarikan tunai tanpa kartu (Cardless Cash Withdrawal/ (CCW) feature for individual customers, and a virtual CCW) bagi nasabah individu, serta layanan Virtual Account account service for corporate customers. Furthermore, bagi nasabah korporasi, kemudian peningkatan layanan service and program enhancements such as Turnaround dan program seperti TAT (Tracking Turnaround time) dalam Time Tracking (TAT) to monitor SLA compliance for loans, memantau SLA compliance untuk pinjaman, pengelolan dormant account management, and a second phase untuk dormant account dan untuk meningkatkan performa revamp to improve the performance of the mobile banking dari aplikasi mobile banking akan dilakukan revamp application will be implemented. The digitalization initiative fase kedua. Inisiatif digitalisasi akan dilanjutkan dengan will continue with the development of features such as pengembangan fitur seperti reservasi penarikan uang tunai cash withdrawal reservations (Booking Cash Withdrawals) (Booking Cash Withdrawal) melalui layanan internet dan through internet and mobile banking services to expedite mobile banking untuk mempercepat layanan transaksi large-scale withdrawal transactions at branches, as well as penarikan dana dalam jumlah besar di cabang, serta fitur an ATM Card Management feature that allows customers to Manajemen Kartu ATM (ATM Card Management) yang activate, change PINs, and block ATM cards independently memungkinkan nasabah melakukan aktivasi, ganti PIN, dan through mobile banking. To further enhance efficiency and blokir kartu ATM secara mandiri melalui mobile banking. improve processes in office document management, a Untuk lebih meningkatkan efisiensi dan peningkatan paperless document initiative will be implemented through proses dalam manajemen dokumen kantor akan dijalankan DMS, EDMS, and IBKRS applications. inisiatif paperless document melalui aplikasi DMS, EDMS dan IBKRS. Dengan menerapkan rencana strategis yang terarah By implementing this focused and integrated strategic dan terintegrasi tersebut, Bank optimistis pemanfaatan plan, the Bank is optimistic that IT utilization in 2026 will TI pada tahun 2026 akan memberikan dukungan yang significantly support the achievement of business targets, signifikan terhadap pencapaian sasaran bisnis, menjaga maintain operational stability, and create sustainable added stabilitas operasional, serta menciptakan nilai tambah yang value for all stakeholders. berkelanjutan bagi seluruh pemangku kepentingan. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 143
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Analisis dan Pembahasan Manajemen Management Discussion and Analysis
Page 145
’’
Pada 2025, aset
Bank tumbuh 16,67%
menjadi Rp23,41
triliun, didorong kredit
23,60% dan DPK 26,65%.
Kinerja ini mencerminkan
fundamental yang solid di
tengah dinamika pasar
In 2025, the Bank’s assets increased
by 16.67% to IDR 23.41 trillion, due
to a 23.60% growth in loans and
a 26.65% increase in customer
deposits. This performance reflects
solid fundamentals amid market
dynamics
Page 146
Analisis dan Pembahasan Manajemen • Management Discussion and Analysis Dinamika Perekonomian Global, Nasional, dan Perkembangan Industri Perbankan Global, National, and Banking Industry Development Dynamics Sepanjang tahun 2025, perekonomian global masih Throughout 2025, the global economy remained in an berada dalam fase pemulihan yang tidak merata dan uneven and uncertain recovery phase. Growth was sarat ketidakpastian. Pertumbuhan ekonomi berlangsung generally moderate, while risks such as rising protectionism, moderat, sementara berbagai risiko, seperti meningkatnya geopolitical tensions, trade policy uncertainty, and financial proteksionisme, ketegangan geopolitik, ketidakpastian market volatility continued to weigh on global investment kebijakan perdagangan, serta volatilitas pasar keuangan masih and trade. Diverging projections from various international terus membayangi aktivitas investasi dan perdagangan global. institutions further reflect the fragility of the global recovery Perbedaan proyeksi pertumbuhan dari berbagai lembaga and the complexity of ongoing structural challenges. internasional mencerminkan rapuhnya pemulihan global dan kompleksitas tantangan struktural yang masih berlangsung. Di kelompok negara maju, perkembangan ekonomi global In advanced economies, economic developments showed menunjukkan tingkat divergensi yang semakin nyata. Menuju increasing divergence. Toward the end of 2025, the United penghujung tahun 2025, Amerika Serikat (AS) relatif mampu States demonstrated relatively resilient growth, supported menjaga ketahanan pertumbuhan yang didukung oleh kuatnya by strong domestic consumption and a robust services konsumsi domestik dan kinerja sektor jasa. Sebaliknya, sector. In contrast, the Eurozone experienced a slowdown Kawasan Euro mengalami perlambatan pertumbuhan seiring due to weakening external demand and continued melemahnya permintaan eksternal serta berlanjutnya tekanan structural pressures in the manufacturing sector. In Asia, struktural pada sektor manufaktur. Sedangkan dari Kawasan China’s growth moderated amid weaker domestic demand Asia, Tiongkok menghadapi moderasi pertumbuhan akibat and ongoing challenges in the property sector, although melemahnya permintaan domestik dan tekanan yang masih manufacturing activity and export performance continued berlangsung di sektor properti, meskipun aktivitas manufaktur to provide support. Meanwhile, emerging economies such dan kinerja ekspor tetap memberikan dukungan terhadap as India and Indonesia remained key contributors to global perekonomian. Sementara itu, negara-negara berkembang growth, despite facing structural challenges including 146 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis seperti India maupun Indonesia tetap berperan sebagai volatile capital flows, global uncertainty, and investment kontributor penting bagi pertumbuhan ekonomi global, constraints. meskipun tetap dihadapkan pada tantangan struktural berupa volatilitas arus modal, ketidakpastian global, serta keterbatasan pendanaan investasi. Dalam merespons kondisi tersebut, bank-bank sentral global In response to these conditions, global central banks began mulai mengadopsi kebijakan moneter yang lebih berhati- to adopt a more cautious monetary policy stance. Several hati. Sejumlah otoritas moneter utama termasuk The Fed major monetary authorities, including the Federal Reserve, AS memasuki fase pelonggaran terbatas guna menjaga entered a phase of limited easing to sustain economic pertumbuhan, sementara normalisasi kebijakan juga mulai growth, while policy normalization was implemented dilakukan secara selektif. Arah kebijakan ini mencerminkan selectively. This approach reflects ongoing efforts to upaya menjaga keseimbangan antara stabilitas makroekonomi balance macroeconomic stability with the need to support dan dukungan terhadap pemulihan ekonomi. recovery. Di tengah tantangan global tersebut, perekonomian Amid these global challenges, Indonesia’s economy Indonesia sepanjang 2025 tetap menunjukkan ketahanan continued to demonstrate solid resilience throughout 2025, yang solid, didukung oleh kuatnya konsumsi rumah tangga, supported by strong household consumption, increased peningkatan investasi, kinerja ekspor yang positif, serta investment, positive export performance, and effective belanja pemerintah yang efektif. Koordinasi kebijakan fiskal government spending. Close coordination between fiscal dan moneter yang terjaga berperan penting dalam menjaga and monetary authorities played a key role in maintaining stabilitas dan momentum pertumbuhan ekonomi. stability and sustaining growth momentum. Secara umum, pertumbuhan ekonomi nasional ditopang Overall, national economic performance was supported by oleh sektor-sektor produktif yang terdiversifikasi, diversified productive sectors, particularly manufacturing, khususnya industri pengolahan, perdagangan, serta trade, and information and communications, in line with the informasi dan komunikasi seiring percepatan transformasi acceleration of digital transformation. This resilience was digital. Ketahanan tersebut tercermin pada indikator reflected in consistently positive macroeconomic indicators, makroekonomi yang tetap positif, termasuk keyakinan including strong consumer confidence, expanding konsumen, aktivitas manufaktur yang ekspansif, cadangan manufacturing activity, adequate foreign exchange devisa yang memadai, surplus neraca perdagangan yang reserves, a sustained trade surplus, and improving labor berkelanjutan, serta perbaikan kondisi pasar tenaga kerja. market conditions. Sejalan dengan kinerja ekonomi nasional, industri In line with national economic performance, Indonesia’s perbankan Indonesia tahun 2025 menunjukkan kondisi banking industry in 2025 remained stable and resilient. yang stabil dan resilien. Fungsi intermediasi perbankan The intermediation function continued to strengthen, as terus menguat, tercermin dari pertumbuhan kredit dan reflected in positive credit growth and the accumulation penghimpunan Dana Pihak Ketiga (DPK) yang tetap positif. of Third Party Funds (DPK). Asset quality remained sound, Kualitas aset terjaga dengan rasio kredit bermasalah supported by low non-performing loan (NPL) ratios, strong yang rendah, permodalan yang kuat, serta likuiditas yang capitalization, and adequate liquidity. These trends reflect memadai. Tren ini mencerminkan penerapan manajemen the effective implementation of prudent risk management risiko yang prudent di tengah dinamika eksternal. amid external pressures. Dukungan kebijakan moneter yang terukur dari Bank Measured monetary policy support from Bank Indonesia Indonesia turut menjaga likuiditas sistem keuangan helped maintain liquidity in the financial system and dan mendukung penyaluran kredit tanpa mengabaikan supported credit growth without compromising stabilitas makroekonomi. Secara keseluruhan, kombinasi macroeconomic stability. Overall, the combination of ketahanan ekonomi nasional, stabilitas sistem keuangan, national economic resilience, financial system stability, serta kebijakan yang adaptif dan terkoordinasi memberikan and adaptive, well-coordinated policies provided a strong fondasi yang kuat bagi industri perbankan Indonesia untuk foundation for the Indonesian banking industry to sustain terus tumbuh secara berkelanjutan hingga akhir 2025, its growth through the end of 2025, while reinforcing sekaligus memperkuat kepercayaan para pemangku stakeholder confidence in the outlook of the national kepentingan terhadap prospek perekonomian dan sektor economy and financial sector. keuangan nasional. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 147
Page 148
Analisis dan Pembahasan Manajemen • Management Discussion and Analysis Tinjauan Operasional Operational Review Kinerja per Segmen berdasarkan Area Geografis Performance per Segment by Geographic Area Sesuai dengan Laporan Keuangan Tahunan untuk According to the Annual Financial Report for the fiscal year tahun buku yang berakhir pada 31 Desember 2025, ended December 31, 2025, all of the Bank’s operational seluruh kegiatan operasional Bank difokuskan pada activities are focused on providing conventional banking penyediaan layanan perbankan konvensional. Mengacu services. In accordance with PSAK 5 on Operating pada ketentuan PSAK 5 tentang Segmen Operasi serta Segments and POJK No. 18 of 2025 on Transparency and POJK Nomor 18 Tahun 2025 mengenai Transparansi dan Publication of Bank Reports, the Bank does not classify Publikasi Laporan Bank, Bank tidak mengelompokkan segment performance by product type or business line. kinerja segmen berdasarkan jenis produk atau lini usaha. Instead, operational performance is presented based on Sebagai gantinya, penyajian kinerja operasional dilakukan geographic segments. berdasarkan segmen geografis. Metode pengungkapan ini memberikan Bank kemampuan This approach enables the Bank to gain a more untuk memperoleh gambaran yang lebih komprehensif comprehensive view of the contribution of each operational mengenai kontribusi masing-masing wilayah operasional, area, while also capturing variations in local market sekaligus memahami perbedaan dinamika pasar lokal. dynamics. By understanding the unique characteristics Dengan pemahaman yang lebih mendalam terhadap and needs of customers in each region, the Bank is able karakteristik dan kebutuhan nasabah di setiap wilayah, to design more focused, targeted, and relevant business Bank dapat merancang strategi bisnis serta layanan yang strategies and services. lebih terfokus, tepat sasaran, dan sesuai dengan kebutuhan spesifik pasar setempat. 148 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Berikut ini disajikan informasi kinerja Bank menurut The following section presents the Bank’s performance by
segmen geografis selama 2 (dua) tahun terakhir, yang geographic segment over the past two years, reflecting its
mencerminkan kinerja operasional dan arah strategis Bank operational achievements and strategic direction across
di berbagai wilayah: different regions:
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Pendapatan Bunga Growth (Decrease)
2025 2024
Interest Income Nominal
%
(Rp | IDR)
Jawa 1.221.204 1.229.474 (8.270) (0,67)
Sumatra 136.996 136.670 326 0,24
Kalimantan 1.174 1.177 (3) (0,25)
Bali 14.918 1.193 13.725 1.150,46
Jumlah | Total 1.374.292 1.368.514 5.778 0,42
1.2
Kalimantan 2025 2024
Sumatra 0,09%
9,97%
1.0
Bali 0.8
1,09%
0.6
136.996
136.670
0.4
1.221.204
1.229.474
0.2 14.918
1.174
Jawa
1.177
88,86% 1.193
0.0
Jawa Sumatra Kalimantan Bali
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Pendapatan Lainnya Growth (Decrease)
2025 2024
Other Income Nominal
%
(Rp | IDR)
Jawa 107.679 97.065 10.614 10,93
Sumatra 8.008 4.285 3.723 86,88
Kalimantan 163 248 (85) (34,27)
Bali 348 52 296 569,23
Jumlah | Total 116.198 101.650 14.548 14,31
100000
Kalimantan 2025 2024
Sumatra 0,14%
6,89%
80000
Bali
0,30% 60000
40000
8.008
107.679
4.285
20000
97.065
Jawa
348
163
248
92,67%
52
0
Jawa Sumatra Kalimantan Bali
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 149
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Laba Sebelum Beban Pajak Growth (Decrease)
2025 2024
Profit Before Tax Nominal
%
(Rp | IDR)
Jawa 261.702 210.458 51.244 24,35
Sumatra (436) 80.675 (81.111) (100,54)
Kalimantan (10.765) (3.293) (7.472) (226,91)
Bali 4.308 (7.831) 12.139 155,01
Jumlah | Total 254.809 280.009 (25.200) (9,00)
250000
2025 2024
Kalimantan
Sumatra 3,88%
0,16% 200000
150000
Bali
1,55% 100000
261.702
80.675
210.458
4.308
50000
0
-436
-3.293
-7.831
-10.765
Jawa
94,41%
Jawa Sumatra Kalimantan Bali
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Jumlah Aset Growth (Decrease)
2025 2024
Total Assets Nominal
%
(Rp | IDR)
Jawa 21.337.194 18.386.690 2.950.504 16,05
Sumatra 1.717.819 1.576.331 141.488 8,98
Kalimantan 17.682 21.818 (4.136) (18,96)
Bali 334.043 76.780 257.263 335,07
Jumlah | Total 23.406.738 20.061.619 3.345.119 16,67
2.00
Kalimantan 2025 2024
Sumatra 0,08%
7,34% 1.75
1.50
Bali 1.25
1,43%
1.00
0.75
1.717.819
1.576.331
21.337.194
18.386.690
334.043
0.50
17.682
21.818
76.780
Jawa 0.25
91,16%
0
Jawa Sumatra Kalimantan Bali
150 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Jumlah Liabilitas Growth (Decrease)
2025 2024
Total Liabilities Nominal
%
(Rp | IDR)
Jawa 14.574.266 12.102.931 2.471.335 20,42
Sumatra 2.751.654 2.126.525 625.129 29,40
Kalimantan 154.167 185.435 (31.268) (16,86)
Bali 111.584 67.216 44.368 66,01
Jumlah | Total 17.591.671 14.482.107 3.109.564 21,47
1.4
Kalimantan 2025 2024
Sumatra 0,88%
15,64% 1.2
1.0
Bali
0,63% 0.8
0.6
2.751.654
14.574.266
2.126.525
0.4
12.102.931
111.584
154.167
185.435
67.216
0.2
Jawa
82,85%
0
Jawa Sumatra Kalimantan Bali
Kinerja keuangan Bank berdasarkan segmen geografis The Bank’s financial performance by geographic segment
pada tahun 2025 menunjukkan struktur yang masih sangat in 2025 indicates a structure that remains heavily
terpusat di wilayah Jawa, dengan dinamika pertumbuhan concentrated in Java, with varying growth dynamics across
yang bervariasi di masing-masing wilayah. Dari sisi regions. Interest income reached IDR 1.37 trillion, with Java
pendapatan bunga yang dibukukan mencapai Rp1,37 contributing approximately 88.86%, although it recorded
triliun, sekitar 88,86% dikontribusikan oleh Jawa, meskipun a slight decline of 0.67% compared to the previous year.
mengalami sedikit penurunan sebesar 0,67% dibandingkan
tahun sebelumnya.
Sementara itu, Sumatra memberikan kontribusi sekitar Meanwhile, Sumatra contributed around 9.97%, with
9,97% dengan pertumbuhan terbatas sebesar 0,24% marginal growth of 0.24% year-on-year. Kalimantan
dibandingkan tahun lalu, sedangkan Kalimantan relatif remained relatively stagnant, posting a slight decline
stagnan dengan penurunan tipis 0,25% dan kontribusi of 0.25% and contributing approximately 0.09%. In
sekitar 0,09%. Di sisi lain, Bali yang berkontribusi sekitar contrast, Bali, which contributed around 1.09%, recorded
1,09% mencatat lonjakan signifikan hingga 1.150,46%, a significant surge of 1,150.46%, reflecting accelerated
mencerminkan akselerasi ekspansi dari basis yang expansion from a relatively small base. Overall, interest
masih relatif kecil. Secara keseluruhan, pendapatan income grew modestly by 0.42%, indicating that growth in
bunga tumbuh moderat sebesar 0,42%, menunjukkan emerging regions has not yet fully offset pressures in the
bahwa pertumbuhan di wilayah baru belum sepenuhnya Bank’s primary market.
mengimbangi tekanan di pasar utama.
Pada pendapatan lainnya, Bank membukukan capaian In terms of other income, the Bank recorded IDR 116.20
sebesar Rp116,20 miliar, meningkat 14,31% dibandingkan billion, representing a 14.31% increase compared to the
tahun sebelumnya, sehingga menegaskan semakin previous year, highlighting the growing contribution of non-
kuatnya peran pendapatan non-bunga sebagai salah interest income as a performance driver. Java remained the
satu pendorong kinerja. Adapun kontribusi utama masih primary contributor, accounting for approximately 92.66%
berasal dari wilayah Jawa dengan porsi sekitar 92,66%, of total other income, and recorded solid growth of 10.93%,
yang juga mencatat pertumbuhan solid sebesar 10,93%, reflecting a well-established business base and consistent
mencerminkan basis bisnis yang matang dan aktivitas transaction activity.
transaksi yang konsisten.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 151
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Sementara itu di luar dominasi Jawa, kontribusi wilayah Beyond Java’s dominance, other regions demonstrated
lainnya menunjukkan dinamika pertumbuhan yang beragam varied growth dynamics. Sumatra contributed approximately
dengan area Sumatra menyumbang sekitar 6,89% dari total 6.89% of total other income and recorded strong growth
pendapatan lainnya dan mencatat pertumbuhan signifikan of 86.88%, indicating increasing traction in fee-based
sebesar 86,88%, mengindikasikan mulai meningkatnya income. Bali, while still contributing approximately 0.30%,
kontribusi fee-based income di wilayah ini. Sementara itu achieved significant growth of 569.23% in line with
Bali meskipun kontribusinya masih sekitar 0,30%, namun ongoing business expansion. Meanwhile, Kalimantan
berhasil menunjukkan akselerasi yang sangat tinggi dengan experienced a contraction of 34.27%, contributing around
pertumbuhan mencapai 569,23% sepanjang 2025, sejalan 0.14%, reflecting continued challenges in non-interest
dengan ekspansi bisnis yang tengah berlangsung. Di sisi business activities in the region.
lain, Kalimantan mengalami kontraksi sebesar 34,27%
dengan kontribusi sekitar 0,14%, mencerminkan bahwa
aktivitas bisnis non-bunga di wilayah tersebut masih
menghadapi tantangan.
Dari sisi profitabilitas, laba sebelum pajak Bank tercatat In terms of profitability, the Bank recorded profit before
sebesar Rp254,81 miliar, menurun 9,00% dibandingkan tax of IDR 254.81 billion, a decrease of 9.00% compared
Rp280,01 miliar pada tahun 2024. Penurunan ini terjadi to IDR 280.01 billion in 2024. This decline occurred
di tengah kinerja yang masih menunjukkan ketahanan despite resilient performance in key regions. As of the end
di wilayah utama. Hingga akhir tahun 2025, Jawa tetap of 2025, Java remained the main contributor, accounting
menjadi penopang utama dengan kontribusi sekitar for approximately 102.71% of consolidated profit and
102,71% terhadap laba konsolidasi, serta mencatat recording strong growth of 24.35%, reflecting efficiency
pertumbuhan yang kuat sebesar 24,35%, mencerminkan and resilience in the Bank’s core market.
efisiensi dan resiliensi bisnis di wilayah inti.
Sejalan dengan itu, Bali juga menunjukkan perbaikan kinerja Bali also demonstrated a notable improvement in
yang signifikan dengan berbalik mencatat laba sebesar performance, rebounding from a loss of IDR 4.31 billion
Rp4,31 miliar dari posisi rugi pada tahun sebelumnya. in the previous year. However, these positive contributions
Namun demikian, kinerja positif tersebut belum sepenuhnya were insufficient to fully offset pressures in other regions.
mampu mengimbangi tekanan di wilayah lain. Adapun area Sumatra experienced a significant decline, recording a loss
Sumatera mengalami penurunan tajam hingga mencatat of IDR 0.44 billion compared to a profit of IDR 80.68 billion
rugi sebesar Rp0,44 miliar dari sebelumnya laba Rp80,68 in the previous year, while Kalimantan further widened its
miliar, sementara Kalimantan turut memperdalam rugi loss to IDR 10.77 billion, an increase of 226.91%. As a
menjadi Rp10,77 miliar atau meningkat 226,91%. Dengan result, profitability pressures in these two regions were the
demikian, tekanan profitabilitas di kedua wilayah tersebut main drivers behind the decline in consolidated profit.
menjadi faktor utama penurunan laba secara konsolidasi.
Kemudian dari sisi neraca, total aset Bank tumbuh 16,67% Furthermore, on the balance sheet, the Bank’s total assets
menjadi Rp23,41 triliun pada posisi akhir 2025 dengan grew by 16.67% to IDR 23.41 trillion as of the end of
dominasi Jawa sebesar 91,17% yang juga meningkat 2025, with Java remaining the dominant contributor at
16,05%. Sementara sumatera berkontribusi 7,34% dengan 91.17%, reflecting growth of 16.05%. Sumatra accounted
pertumbuhan sebesar 8,98% dibandingkan dengan for 7.34%, growing by 8.98% year-on-year, while Bali
periode yang sama di tahun lalu, dan Bali menyumbang contributed 1.43% and recorded a significant increase
1,43% dengan mencatat lonjakan signifikan 335,07% of 335.07% in line with ongoing business expansion. In
seiring ekspansi bisnis. Sebaliknya, Kalimantan mengalami contrast, Kalimantan experienced a decline of 18.96%,
penurunan 18,96% dengan kontribusi sekitar 0,08%. contributing approximately 0.08%.
Sejalan dengan itu, total liabilitas meningkat 21,47% Similarly, total liabilities increased by 21.47% to IDR 17.59
menjadi Rp17,59 triliun, didominasi Jawa sebesar 82,86% trillion. Java remained the primary contributor at 82.86%,
yang tumbuh 20,42%, serta Sumatera sebesar 15,64% with growth of 20.42%, followed by Sumatra at 15.64%,
yang meningkat 29,40%. Bali mencatat kontribusi which recorded a higher growth rate of 29.40%. Bali
sekitar 0,63% dengan pertumbuhan 66,01%, sementara contributed approximately 0.63%, with strong growth of
Kalimantan sebesar 0,88% mengalami penurunan 16,86%. 66.01%, while Kalimantan accounted for 0.88%, reflecting
a decline of 16.86%.
152 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Secara keseluruhan, kinerja Bank selama tahun 2025 Overall, the Bank’s performance throughout 2025
mencerminkan ketahanan yang kuat di wilayah inti demonstrates strong resilience in its core regions, while
sekaligus fase ekspansi di wilayah berkembang, khususnya also entering an expansion phase in emerging markets—
Bali yang menunjukkan pertumbuhan tinggi di hampir particularly Bali, which showed robust growth across nearly
seluruh indikator. Namun demikian, tekanan profitabilitas all key indicators. Nevertheless, profitability pressures
di Sumatera dan Kalimantan tetap menjadi perhatian, in Sumatra and Kalimantan remain areas of concern,
sehingga ke depan diperlukan keseimbangan antara underscoring the need to maintain a careful balance between
ekspansi, kualitas aset, dan keberlanjutan laba. expansion, asset quality, and sustainable profitability.
Kinerja per Produk
Product Performance
Produk simpanan dan penyaluran kredit kepada nasabah Deposit products and lending activities remain key pillars
merupakan pilar utama yang mendukung pertumbuhan dan supporting the Bank’s growth and stability. Low-cost
stabilitas Bank. Dalam hal ini, produk dana murah yang funding products—such as current accounts, savings
dimiliki Bank, seperti giro, tabungan, dan deposito menjadi accounts, and time deposits—provide a strong liquidity
fondasi likuiditas yang kokoh bagi Bank, sementara fasilitas base, while credit facilities play a strategic role in driving
kredit berperan strategis dalam mendorong ekspansi business expansion, promoting financial inclusion, and
bisnis, memperluas inklusi keuangan, serta memperkuat strengthening long-term customer relationships.
hubungan jangka panjang dengan nasabah.
Terkait pengelolaan kinerja per produk, Bank menerapkan In managing product performance, the Bank applies robust
pemantauan internal yang cermat untuk mengevaluasi internal monitoring mechanisms to evaluate the contribution
kontribusi masing-masing lini produk. Pendekatan ini of each product line. This approach enables management
memungkinkan manajemen menilai efektivitas strategi to assess the effectiveness of its overall business strategy,
bisnis secara menyeluruh, mengoptimalkan alokasi sumber optimize resource allocation, and remain responsive to
daya, dan tetap responsif terhadap perubahan kebutuhan evolving market needs.
pasar.
Kinerja Simpanan Deposit Performance
Per 31 Desember 2025, Bank mencatatkan total simpanan As of December 31, 2025, the Bank recorded total
nasabah sebesar Rp11,92 triliun, meningkat 26,65% customer deposits of IDR 11.92 trillion, representing an
dibandingkan tahun sebelumnya yang tercatat sebesar increase of 26.65% compared to IDR 9.41 trillion in the
Rp9,41 triliun. Pertumbuhan ini mencerminkan keberhasilan previous year. This growth reflects the Bank’s success in
Bank dalam memperkuat penghimpunan DPK di tengah strengthening its third-party fund (DPK) base amid intense
persaingan pasar yang kompetitif. market competition.
Tabel berikut menyajikan rincian kinerja masing-masing The following table presents a breakdown of the
produk simpanan Bank selama 2 (dua) tahun terakhir: performance of each of the Bank’s deposit products over
the past two years:
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Uraian Growth (Decrease)
2025 2024
Description Nominal
%
(Rp | IDR)
IBK Giro 1.323.092 821.320 501.772 61,09
IBK Tabungan 3.188.313 2.795.798 392.515 14,04
IBK Deposito 7.404.424 5.791.201 1.613.223 27,86
Jumlah | Total 11.915.829 9.408.319 2.507.510 26,65
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 153
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
IBK Giro IBK Giro
IBK Giro dirancang untuk mempermudah transaksi IBK Giro is designed to facilitate customers’ financial
keuangan dan bisnis nasabah, baik dalam mata uang Rupiah and business transactions, both in Rupiah and foreign
maupun valuta asing. Pada 31 Desember 2025, saldo IBK currencies. As of December 31, 2025, IBK Giro balances
Giro tercatat sebesar Rp1,32 triliun, meningkat 61,09% reached IDR 1.32 trillion, representing a 61.09% increase
dibandingkan periode yang sama tahun sebelumnya compared to IDR 821.32 billion in the previous year.
sebesar Rp821,32 miliar.
IBK Tabungan IBK Savings
IBK Tabungan merupakan produk simpanan dalam mata IBK Savings is a savings product in Rupiah and foreign
uang Rupiah dan valuta asing dengan suku bunga yang currencies with interest rates determined in accordance
ditetapkan sesuai ketentuan regulator. Pada akhir tahun with regulatory regulations. At the end of 2025, the IBK
2025, saldo IBK Tabungan tercatat mencapai Rp3,19 Savings balance reached IDR 3.19 trillion, a 14.04%
triliun, meningkat 14,04% dibandingkan Rp2,80 triliun increase compared to IDR 2.80 trillion at the end of 2024.
pada akhir tahun 2024.
IBK Deposito IBK Deposits
IBK Deposito adalah produk deposito berjangka IBK Deposits are time deposit products that provide
yang memberikan kesempatan bagi nasabah untuk customers with the opportunity to invest funds with optimal
menempatkan dana dengan tingkat pengembalian optimal. returns. As of December 31, 2025, the IBK Time Deposit
Pada 31 Desember 2025, saldo IBK Deposito tercatat balance was recorded at IDR 7.40 trillion, a 27.86%
sebesar Rp7,40 triliun, meningkat 27,86% dibandingkan increase compared to IDR 5.79 trillion the previous year.
Rp5,79 triliun pada tahun sebelumnya.
Kinerja Kredit Credit Performance
Bank mencatatkan realisasi penyaluran kredit sebesar The Bank recorded loan disbursement of IDR 14.47
Rp14,47 triliun pada akhir tahun 2025, meningkat 23,60% trillion at the end of 2025, a 23.60% increase compared
dibandingkan Rp11,71 triliun pada posisi yang sama tahun to IDR 11.71 trillion in the same period the previous year.
sebelumnya. Pertumbuhan ini mencerminkan ekspansi This growth reflects the continued expansion of loan
penyaluran kredit yang tetap terjaga di berbagai segmen disbursement across various financing segments.
pembiayaan.
Tabel berikut menyajikan rincian kinerja masing-masing The following table presents a breakdown of the
produk kredit Bank selama 2 (dua) tahun terakhir: performance of each of the Bank’s loan products over the
past two years:
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Uraian Growth (Decrease)
Description 2025 2024
Nominal
%
(Rp | IDR)
Pihak Berelasi
Related Parties
Mata Uang Rupiah
Rupiah Currency
Konsumsi
2.348 1.946 402 20,66
Consumer
Jumlah Pihak Berelasi
2.348 1.946 402 20,66
Total Related Parties
154 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Uraian Growth (Decrease)
Description 2025 2024
Nominal
%
(Rp | IDR)
Pihak Ketiga
Third Parties
Mata Uang Rupiah
Rupiah Currency
Modal Kerja
6.358.268 5.341.470 1.016.798 19,04
Working Capital
Investasi
2.094.457 1.560.486 533.971 34,22
Investment
Konsumsi
67.199 43.218 23.981 55,49
Consumer
Jumlah Rupiah
8.519.924 6.945.174 1.574.750 22,67
Total Rupiah
Mata Uang Asing
Foreign Currency
Modal Kerja
4.181.582 3.297.994 883.588 26,79
Working Capital
Investasi
1.765.566 1.461.047 304.519 20,84
Investment
Konsumsi
946 1.583 (637) (40,24)
Consumer
Jumlah Mata Uang Asing
5.948.094 4.760.624 1.187.470 24,94
Total in Foreign Currency
Jumlah Pihak Ketiga
14.468.018 11.705.798 2.762.220 23,60
Total Third Parties
Jumlah Kredit yang Diberikan
14.470.366 11.707.744 2.762.622 23,60
Total Loans
Cadangan Kerugian Penurunan Nilai
(CKPN)
(236.736) (200.633) (36.103) (17,99)
Allowance for Impairment Losses
(CKPN)
Jumlah – Neto
14.233.630 11.507.111 2.726.519 23,69
Total – Net
Kredit Modal Kerja Working Capital Loans
Kredit modal kerja disalurkan untuk memenuhi kebutuhan Working capital loans are extended to meet customers’
operasional dan modal kerja nasabah. Per 31 Desember operational and working capital needs. As of December
2025, saldo kredit modal kerja tercatat sebesar Rp10,54 31, 2025, the outstanding balance of working capital loans
triliun, meningkat 22,04% dibandingkan Rp8,64 triliun amounted to IDR 10.54 trillion, representing an increase of
pada periode yang sama tahun sebelumnya. 22.04% compared to IDR 8.64 trillion in the same period
of the previous year.
Kredit Investasi Investment Loans
Kredit investasi diberikan untuk membiayai kebutuhan Investment loans are provided to finance customers’ long-
investasi jangka panjang nasabah, termasuk pembelian term investment needs, including the acquisition of kiosks,
kios, ruko, mesin, pembangunan pabrik, maupun kendaraan. shop houses, machinery, factory construction, and vehicles.
Pada akhir tahun 2025, saldo kredit investasi tercatat At the end of 2025, the investment loan balance stood
sebesar Rp3,86 triliun, meningkat 27,75% dibandingkan at Rp3.86 trillion, an increase of 27.75% compared to
Rp3,02 triliun pada akhir tahun 2024. IDR 3.02 trillion at the end of 2024.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 155
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis Kredit Konsumsi Consumer Loans Kredit konsumsi ditujukan untuk memenuhi kebutuhan Consumer loans are intended to meet customers’ personal konsumtif nasabah, seperti Mortgage Loan, Vehicle consumption needs such as Mortgage Loan, Vehicle Loan, Loan, dan Secured Loan. Saldo kredit konsumsi pada and Secured Loan. The consumer loans balance as of 31 Desember 2025 tercatat sebesar Rp70,49 miliar, December 31, 2025, was reported at IDR 70.49 billion, meningkat 50,8% dibandingkan Rp46,75 miliar pada an increase of 50.8% from IDR 46.75 billion in the same periode yang sama tahun sebelumnya. period the previous year. Kredit Bancassurance Bancassurance Loans Kredit Bancassurance merupakan model bisnis referensi, Bancassurance loans represent a business model in which di mana Bank memberikan rekomendasi produk asuransi the Bank recommends insurance products to debtors as kepada debitur sebagai persyaratan untuk memperoleh a condition for obtaining certain Bank products. Revenue produk Bank tertentu. Pendapatan dari Kredit Bancassurance from Bancassurance loans in 2025 reached IDR 1.05 pada 2025 tercatat sebesar Rp1,05 miliar, menurun 2,96% billion, a decrease of 2.96% from IDR 1.18 billion in the dibandingkan Rp1,18 miliar pada tahun sebelumnya. previous year. Analisis Profitabilitas dan Strategi Bisnis Tahun 2025 Profitability Analysis and Business Strategy for 2025 Sepanjang tahun 2025, kinerja profitabilitas Bank dibentuk Throughout 2025, the Bank’s profitability performance oleh keseimbangan antara penguatan likuiditas melalui was shaped by a balance between strengthening liquidity pertumbuhan simpanan dan ekspansi kredit yang tetap terjaga. through deposit growth and maintaining credit expansion. Meskipun demikian, dinamika di beberapa wilayah operasional However, dynamics across several operational regions memberikan tekanan terhadap capaian laba, sehingga secara placed pressure on profit achievement, resulting in an konsolidasi profitabilitas mengalami penyesuaian dibandingkan adjustment in consolidated profitability compared to tahun sebelumnya. Dalam konteks ini, wilayah Jawa tetap the previous year. In this context, Java continued to play memainkan peran sentral sebagai penopang utama laba Bank, a central role as the primary driver of the Bank’s profits, mencerminkan kedalaman pasar serta efisiensi operasional reflecting its well-established market depth and operational yang telah terbangun dengan baik. efficiency. Di tengah kondisi tersebut, arah strategi Bank difokuskan Amid these conditions, the Bank’s strategic direction pada penguatan kualitas pertumbuhan secara lebih focused on enhancing the quality of growth in a more terukur. Perhatian khusus diberikan pada wilayah yang measured manner. Particular attention was given to regions masih menghadapi tekanan, terutama Sumatera dan still facing pressure, especially Sumatra and Kalimantan, Kalimantan melalui langkah-langkah perbaikan kualitas through initiatives to improve credit quality, strengthen kredit, penguatan manajemen risiko, serta peningkatan risk management, and enhance operational efficiency. At efisiensi operasional. Pada saat yang sama, Bali yang the same time, Bali, which has demonstrated significant telah menunjukkan pemulihan kinerja secara signifikan performance recovery, continued to be positioned as a terus didorong sebagai sumber pertumbuhan baru melalui new source of growth through selective and sustainable ekspansi bisnis yang selektif dan berkelanjutan. business expansion. Pendekatan ini dijalankan secara konsisten dengan tetap This approach was implemented consistently while mengedepankan disiplin dalam pengelolaan risiko dan maintaining discipline in risk management and operational efisiensi. Manajemen secara aktif memantau indikator efficiency. Management actively monitored asset quality kualitas aset, termasuk Non-Performing Loan (NPL) dan indicators, including Non-Performing Loans (NPL) and Cadangan Kerugian Penurunan Nilai (CKPN), serta menjaga Allowance for Impairment Losses (CKPN), while ensuring keseimbangan antara pertumbuhan kredit dan penghimpunan a balanced approach between credit growth and funding in dana agar tetap selaras dengan kondisi pasar. line with prevailing market conditions. Melalui strategi tersebut, Bank tidak hanya berupaya Through this strategy, the Bank not only aims to maintain menjaga stabilitas kinerja, tetapi juga memperkuat fondasi stable performance but also to strengthen the foundation profitabilitas yang lebih berkualitas dan berkelanjutan, for higher-quality and sustainable profitability, while sekaligus meningkatkan daya saing dalam menghadapi enhancing its competitiveness amid the evolving dynamics dinamika industri perbankan yang terus berkembang. of the banking industry 156 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Pejabat Eksekutif Penyusun
Laporan Keuangan Bank
Executive Officer Responsible for the Preparation of
the Bank’s Financial Statements
Sesuai dengan ketentuan POJK No. 18 Tahun 2025 In accordance with OJK Regulation No. 18 of 2025
tentang Transparansi dan Publikasi Laporan Bank, setiap concerning Transparency and Publication of Bank Reports,
bank diwajibkan memiliki pejabat eksekutif dan tim yang every bank is required to have a competent executive officer
kompeten dalam mempersiapkan serta menyusun laporan and team responsible for preparing and compiling financial
keuangan. Persyaratan ini bertujuan memastikan bahwa reports. This requirement aims to ensure that the prepared
laporan keuangan yang disusun memiliki akurasi tinggi, financial reports maintain high accuracy, maintain integrity,
integritas terjaga, dan sepenuhnya mematuhi prinsip and fully comply with applicable accounting principles.
akuntansi yang berlaku.
Bank menegaskan kepatuhan penuh terhadap regulasi The Bank confirms its full compliance with this regulation.
tersebut. Sebagai bagian dari implementasinya, Bank As part of its implementation, the Bank presents the profiles
menyajikan profil pejabat eksekutif yang bertanggung of the executive officers responsible for preparing the
jawab atas penyusunan laporan keuangan untuk tahun financial statements for the fiscal year ending December
buku 31 Desember 2025. 31, 2025.
Profil Pejabat Eksekutif Penyusun Laporan Keuangan Bapak Sigit Pamungkas dapat dilihat
pada Bab profile perusahaan, Subbab Pejabat Eksekutif, halaman 120.
The profile of Mr. Sigit Pamungkas, the executive responsible for preparing the financial statements, is
available in the company profile chapter, under the subchapter on executive officers, on page 120.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 157
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Tinjauan Keuangan
Financial Review
Diskusi dan analisis keuangan berikut disusun berdasarkan The following financial discussion and analysis are based on
Laporan Keuangan Tahunan PT Bank IBK Indonesia Tbk the Annual Financial Statements of PT Bank IBK Indonesia
untuk tahun yang berakhir pada 31 Desember 2025 Tbk for the years ended December 31, 2025 and 2024.
dan 2024. Laporan Keuangan telah diaudit oleh Kantor The Financial Statements have been audited by the Public
Akuntan Publik Suharli Sugiarto & Rekan (“Shinewing Accounting Firm of Suharli Sugiarto & Rekan (“Shinewing
Indonesia”) sesuai dengan Laporan Auditor Independen Indonesia”) in accordance with Independent Auditor’s
No. 00067/2.1315/AU.1/07/0995-5/1/III/2026 Tanggal Report No. 00067/2.1315/AU.1/07/0995-5/1/III/2026
26 Maret 2026 dan memperoleh opini wajar dalam semua dated March 26, 2026, and received an unqualified opinion
hal yang material. (fair in all material respects).
Posisi keuangan per 31 Desember 2025 dan 2024, The financial position as of December 31, 2025 and 2024,
beserta kinerja keuangan dan arus kas untuk tahun yang as well as the financial performance and cash flows for the
berakhir pada tanggal tersebut, telah disusun sesuai respective years, have been prepared in accordance with
dengan Standar Akuntansi Keuangan (SAK) di Indonesia, Indonesian Financial Accounting Standards (SAK), including
termasuk Pernyataan Standar Akuntansi Keuangan (PSAK) the Statements of Financial Accounting Standards (PSAK)
dan Interpretasi Standar Akuntansi Keuangan (ISAK) yang and Interpretations of Financial Accounting Standards
diterbitkan oleh Dewan Standar Akuntansi Keuangan - (ISAK) issued by the Financial Accounting Standards Board
Ikatan Akuntan Indonesia (DSAK-IAI). of the Indonesian Institute of Accountants (DSAK-IAI).
Pembahasan mengenai kinerja keuangan Bank disampaikan The discussion of the Bank’s financial performance is
dengan memperhatikan penjelasan pada Catatan atas presented with reference to the disclosures in the Notes to
Laporan Keuangan (CALK) yang disiapkan oleh auditor the Financial Statements (CALK) prepared by the external
eksternal, sebagai bagian yang tidak terpisahkan dari auditor, which form an integral part of this Annual Report
Laporan Tahunan dan Laporan Keberlanjutan ini. and Sustainability Report.
Laporan Posisi Keuangan
Statement of Financial Position
Aset Assets
Per 31 Desember 2025, Bank mencatatkan total aset As of December 31, 2025, the Bank recorded total assets
sebesar Rp23,41 triliun, meningkat 16,67% dibandingkan of IDR 23.41 trillion, representing an increase of 16.67%
periode yang sama tahun sebelumnya sebesar Rp20,06 compared to IDR 20.06 trillion in the same period of the
triliun. Perubahan ini terutama dipengaruhi oleh peningkatan previous year. This change was primarily driven by an
jumlah aset keuangan. increase in financial assets.
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Uraian Growth (Decrease)
2025 2024
Description Nominal
%
(Rp | IDR)
Kas
78.674 70.283 8.391 11,94
Cash
Giro pada Bank Indonesia
1.217.510 1.057.942 159.568 15,08
Current Account with Bank Indonesia
158 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Uraian Growth (Decrease)
2025 2024
Description Nominal
%
(Rp | IDR)
Giro pada Bank Lain
393.005 475.361 (82.356) (17,32)
Current Account with Other Banks
Dikurangi: Cadangan Kerugian
Penurunan Nilai (239) (239) 0 0,00
Less: Allowance for Impairment Losses
392.766 475.122 (82.356) (17,33)
Penempatan pada Bank Indonesia dan
Bank Lain
485.000 655.685 (170.685) (26,03)
Placements with Bank Indonesia and
Other Banks
Efek-Efek
3.097.046 2.486.988 610.058 24,53
Securities
Dikurangi: Cadangan Kerugian
Penurunan Nilai (125) (168) 43 25,60
Less: Allowance for Impairment Losses
3.096.921 2.486.820 610.101 24,53
Kredit yang Diberikan
14.470.366 11.707.744 2.762.622 23,60
Loans
Dikurangi: Cadangan Kerugian
Penurunan Nilai (236.736) (200.633) (36.103) (17,99)
Less: Allowance for Impairment Losses
14.233.630 11.507.111 2.726.519 23,69
Aset Tetap – Bersih
124.505 160.789 (36.284) (22,57)
Fixed Assets – Net
Aset Tak Berwujud – Bersih
17.554 19.142 (1.588) (8,30)
Intangible Assets – Net
Tagihan Lainnya – Bersih
3.545.392 3.463.628 81.764 2,36
Other Receivables – Net
Aset Pajak Tangguhan
6.455 17.621 (11.166) (63,37)
Deferred Tax Assets
Aset Lain-Lain – Bersih 60.855 41,26
208.331 147.476
Other Assets – Net
Jumlah Aset
23.406.738 20.061.619 3.345.119 16,67
Total Assets
Aset Keuangan Financial Assets
Kas Cash
Per 31 Desember 2025, saldo kas Bank tercatat sebesar As of December 31, 2025, the Bank’s cash balance was
Rp78,67 miliar, meningkat 11,94% dibandingkan Rp70,28 recorded at IDR 78.67 billion, an increase of 11.94%
miliar pada tahun sebelumnya. Perubahan ini terutama compared to IDR 70.28 billion in the previous year. This
dipengaruhi oleh meningkatnya kebutuhan nasabah change was influenced mainly by customers’ increasing
terhadap kas. need for cash.
Giro pada Bank Indonesia Current Accounts with Bank Indonesia
Saldo giro pada Bank Indonesia tercatat mencapai Rp1,22 Current accounts with Bank Indonesia amounted to
triliun, meningkat 15,08% dibandingkan Rp1,06 triliun IDR 1.22 trillion, representing an increase of 15.08%
pada tahun sebelumnya. Kenaikan ini sejalan dengan compared to IDR 1.06 trillion in the previous year. This
peningkatan kebutuhan pemenuhan giro wajib minimum growth is in line with higher minimum reserve requirements
serta penguatan posisi likuiditas Bank. and the strengthening of the Bank’s liquidity position.
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis Giro pada Bank Lain Current Accounts with Other Banks Saldo giro pada bank lain tercatat sebesar Rp393,01 Current accounts with other banks were recorded at miliar, menurun 17,32% dibandingkan Rp475,36 miliar IDR 393.01 billion, a decrease of 17.32% compared to pada tahun sebelumnya. Penurunan ini mencerminkan IDR 475.36 billion in the previous year. This decline reflects penyesuaian strategi penempatan dana ke instrumen a reallocation of funds toward instruments offering more dengan tingkat imbal hasil yang lebih optimal. optimal returns. Penempatan pada Bank Indonesia dan Bank Lain Placements with Bank Indonesia and Other Banks Pada akhir tahun 2025, saldo penempatan pada Bank As of the end of 2025, placements with Bank Indonesia and Indonesia dan bank lain tercatat sebesar Rp485,00 miliar, other banks amounted to IDR 485.00 billion, a decrease of menurun 26,03% dibandingkan Rp655,69 miliar pada 26.03% compared to IDR 655.69 billion in the previous tahun sebelumnya. Pergerakan ini terutama dipengaruhi year. This trend was mostly influenced by funds being oleh dana disalurkan ke dalam penempatan yang lebih channeled into more productive investments. produktif. Efek-Efek Securities Penempatan pada efek-efek tercatat sebesar Rp3,10 triliun, Investments in securities were recorded at IDR 3.10 trillion, meningkat 24,53% dibandingkan Rp2,49 triliun pada tahun representing an increase of 24.53% compared to IDR 2.49 sebelumnya. Perubahan ini terutama dipengaruhi oleh dana trillion in the previous year. This change was mainly influenced ditempatkan ke dalam portofolio yang lebih produktif. by funds being allocated to more productive portfolios. Kredit yang Diberikan Loans Disbursed Total kredit yang disalurkan Bank hingga akhir tahun 2025 Total loans disbursed by the Bank as of the end of 2025 mencapai Rp14,47 triliun, meningkat 23,60% dibandingkan reached IDR 14.47 trillion, an increase of 23.60% compared Rp11,71 triliun pada tahun sebelumnya. Seiring dengan to IDR 11.71 trillion in the previous year. In line with this pertumbuhan tersebut, cadangan kerugian penurunan nilai growth, the allowance for impairment losses (CKPN) also (CKPN) juga meningkat menjadi Rp236,74 miliar atau naik increased to IDR 236.74 billion, up by 17.99%, reflecting 17,99%, sebagai bagian dari penerapan prinsip kehati- the Bank’s prudent approach in maintaining asset quality. hatian dalam menjaga kualitas aset. Berdasarkan sektor ekonomi, kredit terbesar disalurkan Based on economic sector, the largest portion of credit kepada sektor industri pengolahan, dengan nilai sebesar was disbursed to the manufacturing sector, amounting Rp7,75 triliun, atau setara dengan 19,20% dari total to IDR 7.75 trillion, or equivalent to 19.20% of the Bank’s penyaluran kredit Bank. Seiring dengan peningkatan total credit distribution. In line with the increase in credit penyaluran kredit, NPL tercatat sebesar 1,92% pada tahun disbursement, the NPL ratio was recorded at 1.92% in 2025, mencerminkan manajemen risiko kredit yang terus 2025, reflecting credit risk management that continues to dipantau dan dikendalikan oleh manajemen. be monitored and controlled by management. Tagihan Lainnya - Bersih Other Receivables – Net Per 31 Desember 2025, tagihan lainnya - bersih tercatat As of December 31, 2025, other receivables – net were sebesar Rp3,55 triliun, meningkat 2,36% dibandingkan recorded at IDR 3.55 trillion, an increase of 2.36% Rp3,46 triliun pada tahun sebelumnya. Peningkatan tersebut compared to IDR 3.46 trillion in the previous year. karena adanya peningkatan permintaan pembayaran This increase was due to higher demand for payments on atas tagihan transaksi LC yang dijamin pembayaran oleh LC transaction invoices guaranteed by the Industrial Bank Industrial Bank of Korea (Pemegang Saham). of Korea (Shareholder). Aset Lain-Lain - Bersih Other Assets – Net Bank mencatatkan aset lain-lain - bersih sebesar Rp208,33 The Bank recorded other assets – net of IDR 208.33 miliar, meningkat 41,26% dibandingkan Rp147,48 miliar billion, representing an increase of 41.26% compared to pada tahun sebelumnya. Peningkatan ini didorong oleh IDR 147.48 billion in the previous year. This increase was peningkatan pendapatan bunga yang masih akan diterima, driven by the increase in accrued interest income, which is hal ini sejalan dengan peningkatan pada kredit yang in line with the increase in loans. diberikan. 160 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Aset Non-Keuangan Non-Financial Assets
Aset Tetap Fixed Assets
Per 31 Desember 2025, Bank mencatatkan aset tetap As of December 31, 2025, the Bank recorded fixed assets
sebesar Rp124,51 miliar, menurun 22,57% dibandingkan of IDR 124.51 billion, a decrease of 22.57% compared to
posisi yang sama tahun sebelumnya sebesar Rp160,79 IDR 160.79 billion in the previous year. This change was
miliar. Perubahan ini terutama dipengaruhi oleh amortisasi mostly due to the amortization of those accounts.
atas akun-akun tersebut.
Aset Lainnya Other Assets
Bank mencatatkan aset lainnya, yang terdiri dari aset The Bank recorded other assets, consisting of intangible
tak berwujud, tagihan lainnya, dan aset lain-lain sebesar assets, other receivables, and miscellaneous assets,
Rp3,77 triliun pada akhir 2025, meningkat 3,88% dari amounting to IDR 3.77 trillion at the end of 2025, an
Rp3,63 triliun pada periode sebelumnya. Pergerakan ini increase of 3.88% from IDR 3.63 trillion in the previous
terutama dipengaruhi oleh peningkatan tagihan lainya period. This change was primarily due to an increase in
(bill discount). other receivables (bill discount).
Liabilitas Liabilities
Per 31 Desember 2025, Bank mencatatkan total liabilitas As of December 31, 2025, the Bank recorded total
sebesar Rp17,59 triliun, meningkat 21,47% dibandingkan liabilities of IDR 17.59 trillion, representing an increase of
Rp14,48 triliun pada periode yang sama tahun sebelumnya. 21.47% compared to IDR 14.48 trillion in the same period
Peningkatan ini terutama didorong kenaikan dana pihak of the previous year. This increase was mainly attributed to
ketiga dan liabilitas lainnya. an increase in third-party funds and other liabilities.
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Uraian Growth (Decrease)
2025 2024
Description Nominal
%
(Rp | IDR)
Simpanan dari Nasabah
11.915.829 9.408.319 2.507.510 26,65
Deposits from Customers
Simpanan dari Bank Lain
171.426 14.118 157.308 1.114,24
Deposits from Other Banks
Pinjaman yang Diterima
5.169.250 4.748.025 421.225 8,87
Borrowings
Utang Pajak
19.180 28.999 (9.819) (33,86)
Taxes Payables
Liabilitas Imbalan Pascakerja 5.829 29,73
25.438 19.609
Obligation for Post-Employment Benefits
Liabilitas Lain-Lain
290.548 263.037 27.511 10,46
Other Liabilities
Jumlah Liabilitas
17.591.671 14.482.107 3.109.564 21,47
Total Liabilities
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Liabilitas Keuangan Financial Liabilities
Simpanan dari Nasabah Deposits from Customers
Per 31 Desember 2025, simpanan nasabah tercatat As of December 31, 2025, customer deposits were
sebesar Rp11,92 triliun, meningkat 26,65% dibandingkan recorded at IDR 11.92 trillion, representing an increase of
Rp9,41 triliun pada tahun sebelumnya. Perubahan ini 26.65% compared to IDR 9.41 trillion in the previous year.
terutama dipengaruhi oleh kepercayaan masyarakat This change was mostly influenced by the public’s growing
semakin besar terhadap Bank. trust in the Bank.
Simpanan dari Bank Lain Deposits from Other Banks
Saldo simpanan dari bank lain tercatat sebesar Rp171,43 Deposits from other banks were recorded at IDR 171.43
miliar, meningkat signifikan 1.114,24% dibandingkan billion, a significant increase of 1,114.24% compared to
Rp14,12 miliar pada tahun sebelumnya. Pergerakan IDR 14.12 billion in the previous year. This trend was due
ini terutama dipengaruhi oleh peningkatan portofolio mainly to an increase in the deposit portfolio.
simpanan.
Pinjaman yang Diterima Borrowings
Pinjaman yang diterima Bank hingga akhir tahun 2025 Borrowings received by the Bank as of the end of 2025
tercatat sebesar Rp5,17 triliun, meningkat 8,87% were recorded at IDR 5.17 trillion, an increase of 8.87%
dibandingkan Rp4,75 triliun pada tahun sebelumnya. compared to IDR 4.75 trillion in the previous year. This
Perubahan ini terutama dipengaruhi oleh peningkatan change was primarily attributable to an increase in the
portofolio penempatan. investment portfolio.
Liabilitas Non-Keuangan Non-Financial Liabilities
Utang Pajak Taxes Payable
Utang pajak tercatat sebesar Rp19,18 miliar, menurun Taxes payable were recorded at IDR 19.18 billion, a
33,86% dibandingkan Rp29,00 miliar pada tahun decrease of 33.86% compared to IDR 29.00 billion in the
sebelumnya. Penurunan ini terutama dipengaruhi oleh previous year. This decline was due mainly to a slowdown
perlambatan pertumbuhan Bank. in the Bank’s growth.
Liabilitas Imbalan Pascakerja Post-Employment Benefits Liabilities
Liabilitas imbalan pascakerja tercatat sebesar Rp25,44 Post-employment benefits liabilities were recorded at
miliar, meningkat 29,73% dibandingkan Rp19,61 miliar IDR 25.44 billion, representing an increase of 29.73%
pada tahun sebelumnya. Kenaikan ini terutama dipengaruhi compared to IDR 19.61 billion in the previous year. This
oleh penambahan karyawan dan kenaikan upah. increase is primarily driven by an increase in the number of
employees and higher wages.
Liabilitas Lain-Lain Other Liabilities
Liabilitas lain-lain tercatat sebesar Rp290,55 miliar, Other liabilities were recorded at IDR 290.55 billion, an
meningkat 10,46% dibandingkan Rp263,04 miliar pada increase of 10.46% compared to IDR 263.04 billion in the
tahun sebelumnya. Perubahan ini terutama dipengaruhi previous year. This change was primarily influenced by an
oleh peningkatan aktivitas Bank. increase in the Bank’s activities.
Ekuitas Equity
Per 31 Desember 2025, Bank mencatatkan total ekuitas As of December 31, 2025, the Bank recorded total equity
sebesar Rp5,82 triliun, meningkat 4,22% dibandingkan of IDR 5.82 trillion, representing an increase of 4.22%
Rp5,58 triliun pada periode yang sama tahun sebelumnya. compared to IDR 5.58 trillion in the same period of the
Perubahan ini terutama dipengaruhi oleh peningkatan laba previous year. This change was primarily driven by an
tahun berjalan. increase in net income for the year.
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(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Uraian Growth (Decrease)
2025 2024
Description Nominal
%
(Rp | IDR)
Modal Dasar
Authorized Capital
Modal Ditempatkan dan Disetor
4.786.438 4.786.438 - -
Issued and Fully Paid Capital
Tambahan Modal Disetor – Neto
900.393 900.393 - -
Additional Paid-In Capital – Net
Pengukuran Kembali atas Program
Imbalan Pasti (307) 488 (795) (162,91)
Remeasurement of Defined Benefit Plan
Keuntungan (kerugian) yang Belum
Direalisasi atas Aset Keuangan yang
Diukur pada Nilai Wajar Melalui
Penghasilan Komprehensif Lain - Bersih 10.049 (28.876) 38.925 134,80
Unrealized Loss from Financial Asset
Measured at Fair Value Through Other
Comprehensive Income – Net
Saldo Laba (Defisit):
Retained Earnings (Deficit):
Ditentukan Penggunaannya
400 400 - -
Appropriated
Belum Ditentukan Penggunaannya
118.094 (79.331) 197.425 248,86
Unappropriated
Jumlah Ekuitas
5.815.067 5.579.512 235.555 4,22
Total Equity
Informasi pada tabel di atas memberikan gambaran The table above presents an overview of the composition
komposisi dan perkembangan ekuitas Bank pada posisi and changes in the Bank’s equity as of the end of 2025. It
akhir 2025, sekaligus mencerminkan kekuatan modal dan also reflects the strength of the Bank’s capital and financial
fondasi keuangan Bank dalam mendukung pertumbuhan foundation in supporting sustainable growth, as well as its
berkelanjutan serta kapasitas Bank dalam menghadapi capacity to navigate future market dynamics.
dinamika pasar di masa mendatang.
Laporan Laba (Rugi) dan Penghasilan Komprehensif Lain
Statement of Profit or Loss and Other Comprehensive Income
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Uraian Growth (Decrease)
2025 2024
Description Nominal
%
(Rp | IDR)
Pendapatan Bunga
1.374.292 1.368.514 5.778 0,42
Interest Income
Beban Bunga
(804.679) (787.275) 17.404 2,21
Interest Expenses
Pendapatan Bunga – Bersih
569.613 581.239 (11.626) (2,00)
Interest Income – Net
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Uraian Growth (Decrease)
2025 2024
Description Nominal
%
(Rp | IDR)
Jumlah Pendapatan Operasional
Lainnya 116.198 101.650 14.548 14,31
Total Other Operating Income
(Pembentukan) pemulihan Cadangan
Kerugian Penurunan Nilai Aset Keuangan
(23.785) 22.315 (46.100) (206,59)
Provision for Impairment Losses on
Financial Assets
Jumlah Beban Operasional Lainnya
(406.845) (425.268) 18.423 (4,33)
Total Other Operating Expenses
Laba Operasional
255.181 279.936 (24.755) (8,84)
Operating Profit
Keuntungan (kerugian) penjualan aset
tetap – bersih
(372) 73 (445) (609,59)
Gain (loss) from Proceeds from Fixed
Assets Sold - net
Laba Sebelum Beban Pajak Penghasilan
254.809 280.009 (25.200) (9,00)
Profit Before Income Tax
Jumlah Beban Pajak
(57.384) (64.158) 6.774 (10,56)
Total Tax Expenses
Laba Bersih Tahun Berjalan
197.425 215.851 (18.426) (8,54)
Net Income for the Year
Jumlah Penghasilan Komprehensif Tahun
Berjalan
235.555 203.813 31.742 15,57
Total Comprehensive Income for the
Year
Laba per Saham Dasar dan Dilutif (Nilai
Penuh)
4,12 5,16 (1,04) (20,16)
Basic and Diluted Earnings per Share
(Full Amount)
Pendapatan Bunga – Bersih Net Interest Income
Pada tahun 2025, Bank mencatatkan pendapatan bunga In 2025, the Bank recorded net interest income of IDR
– bersih sebesar Rp569,61 miliar, menurun 2,00% 569.61 billion, representing a 2.00% decrease from
dibandingkan Rp581,24 miliar pada tahun sebelumnya. IDR 581.24 billion in the previous year. This change was
Perubahan ini terutama dipengaruhi oleh perlambatan primarily driven by the Bank’s slowdown in growth.
pertumbuhan Bank.
Jumlah Pendapatan Operasional Lainnya Total Other Operating Income
Pendapatan operasional lainnya tercatat sebesar Rp116,20 Other operating income amounted to IDR 116.20 billion
miliar pada tahun 2025, meningkat 14,31% dari Rp101,65 in 2025, reflecting a 14.31% increase from IDR 101.65
miliar pada tahun 2024. Peningkatan ini terutama didorong billion in 2024. This growth was mainly driven by the Bank’s
oleh meningkatnya kegiatan bisnis Bank. growing business activities.
Jumlah Beban Operasional Lainnya Total Other Operating Expenses
Jumlah beban operasional lainnya tercatat sebesar Total other operating expenses were recorded at IDR
Rp406,85 miliar, menurun 4,33% dibandingkan Rp425,27 406.85 billion, a 4.33% decrease from IDR 425.27 billion
miliar pada tahun 2024. Perubahan ini terutama dipengaruhi in 2024. This change was primarily due to the amortization
oleh amortisasi atas akun-akun tersebut. of those accounts.
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Laba Sebelum Beban Pajak Profit Before Tax Expense
Bank membukukan laba sebelum beban pajak sebesar The Bank recorded profit before tax expense of IDR
Rp254,81 miliar pada tahun 2025, menurun 9,00% 254.81 billion in 2025, marking a 9.00% decrease from
dibandingkan Rp280,01 miliar pada tahun sebelumnya. IDR 280.01 billion in the previous year. This decline was
Penurunan ini terutama dipengaruhi oleh perlambatan mostly due to a slowdown in the bank’s growth.
pertumbuhan Bank.
Laba Bersih Tahun Berjalan Net Income for the Year
Laba bersih tahun berjalan tercatat sebesar Rp197,43 Net profit for the year amounted to IDR 197.43 billion,
miliar, menurun 8,54% dibandingkan Rp215,85 miliar pada representing an 8.54% decrease from IDR 215.85 billion
tahun 2024. Penurunan ini disebabkan oleh perlambatan in 2024. This decline was mostly due to a slowdown in the
pertumbuhan Bank. bank’s growth.
Penghasilan Komprehensif Tahun Berjalan Comprehensive Income for the Year
Penghasilan komprehensif tahun berjalan tercatat sebesar Comprehensive income for the year was recorded at
Rp38,13 miliar, meningkat 416,75% dibandingkan IDR 38.13 billion, an increase of 416.75% compared to
Rp(12,04) miliar pada tahun sebelumnya. Peningkatan aset IDR (12.04) billion in the previous year. Increases in
keuangan yang diukur pada nilai wajar melalui penghasilan financial assets measured at fair value through other
komprehensif lain. comprehensive income.
Laba Komprehensif Tahun Berjalan – Bersih Comprehensive Income for the Year – Net
Bank mencatatkan laba komprehensif tahun berjalan – bersih The Bank recorded comprehensive income for the year –
sebesar Rp235,56 miliar, meningkat 15,57% dari Rp203,81 net of IDR 235.56 billion, reflecting a 15.57% increase from
miliar pada tahun 2024. Kinerja ini terutama dipengaruhi IDR 203.81 billion in 2024. This performance was mainly
oleh oleh peningkatan aset keuangan yang diukur pada nilai influenced by an increase in financial assets measured at
wajar melalui penghasilan komprehensif lain. fair value through other comprehensive income.
Laba per Saham Dasar dan Dilutif Basic and Dilutive Earnings per Share
Laba per saham dasar dan dilutif tercatat sebesar Rp4,12, Basic and dilutive earnings per share were recorded at
menurun 20,16% dibandingkan Rp5,16 pada tahun IDR 4.12, representing a 20.16% decrease from IDR 5.16
sebelumnya. Penurunan ini sejalan dengan penurunan laba in the previous year. This decrease is consistent with the
bersih tahun berjalan. decline in net profit for the year.
Laporan Arus Kas
Statement of Cash Flows
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Uraian Growth (Decrease)
2025 2024
Description Nominal
%
(Rp | IDR)
Kas Bersih Digunakan untuk Aktivitas
Operasi (246.574) (725.164) (478.590) (66,00)
Net Cash Used in Operating Activities
Kas Bersih Digunakan untuk Aktivitas
Investasi (33.029) (44.102) 11.073 25,11
Net Cash Used in Investing Activities
Kas Bersih Diperoleh dari Aktivitas
Pendanaan
194.521 206.047 (11.526) (5,59)
Net Cash Provided by Financing
Activities
Kenaikan (Penurunan) Bersih Kas dan
Setara Kas
(85.082) (563.219) 478.137 84,89
Net Increase (Decrease) in Cash and
Cash Equivalents
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(dalam jutaan Rupiah | in million IDR)
Pertumbuhan (Penurunan)
Uraian Growth (Decrease)
2025 2024
Description Nominal
%
(Rp | IDR)
Kas dan Setara Kas Awal Tahun
Cash and Cash Equivalents at 2.259.271 2.822.490 (563.219) (19,95)
Beginning of the Year
Kas dan Setara Kas Akhir Tahun
Cash and Cash Equivalents at End of 2.174.189 2.259.271 (85.082) (3,77)
the Year
Kas Bersih Digunakan untuk Aktivitas Operasi Net Cash Used in Operating Activities
Per 31 Desember 2025, kas bersih yang digunakan As of December 31, 2025, net cash used in operating
untuk aktivitas operasi tercatat sebesar Rp246,57 miliar, activities was recorded at IDR 246.57 billion, representing
menurun 66,00% dibandingkan Rp725,16 miliar pada a 66.00% decrease compared to IDR 725.16 billion in the
tahun sebelumnya. Perubahan ini terutama dipengaruhi previous year. This change was primarily due to the Bank’s
oleh Bank lebih efisien dalam pengelolaan kas. more efficient cash management.
Kas Bersih Digunakan untuk Aktivitas Investasi Net Cash Used in Investing Activities
Kas bersih yang digunakan untuk aktivitas investasi tercatat Net cash used in investing activities amounted to IDR
sebesar Rp33,03 miliar pada akhir tahun 2025, menurun 33.03 billion at the end of 2025, reflecting a 25.11%
25,11% dibandingkan Rp44,10 miliar pada periode yang decrease from IDR 44.10 billion in the same period last
sama tahun lalu. Perubahan ini terutama dipengaruhi oleh year. This change was primarily driven by a slowdown in the
perlambatan aktivitas bisnis bank. bank’s business activity.
Kas Bersih Diperoleh dari Aktivitas Pendanaan Net Cash Provided by Financing Activities
Bank mencatatkan kas bersih yang diperoleh dari aktivitas The Bank recorded net cash provided by financing activities
pendanaan sebesar Rp194,52 miliar pada akhir tahun of IDR 194.52 billion at the end of 2025, a 5.59% decrease
2025, menurun 5,59% dibandingkan Rp206,05 miliar pada compared to IDR 206.05 billion in the previous year.
tahun sebelumnya. Pergerakan ini terutama dipengaruhi This shift was primarily due to the Bank’s more efficient
oleh Bank lebih efisien dalam pengelolaan kas. cash management.
Penurunan Bersih Kas dan Setara Kas Net Decrease in Cash and Cash Equivalents
Penurunan bersih kas dan setara kas selama tahun The net decrease in cash and cash equivalents during
2025 tercatat sebesar Rp85,08 miliar, membaik 84,89% 2025 was recorded at IDR 85.08 billion, showing an
dibandingkan penurunan sebesar Rp563,22 miliar pada 84.89% improvement compared to the IDR 563.22 billion
tahun sebelumnya. Kondisi ini terutama dipengaruhi oleh decrease in the previous year. This situation is primarily due
Bank lebih efisien dalam pengelolaan kas. to the Bank’s more efficient cash management.
Tingkat Kesehatan Bank
Bank Health Level
Tingkat kesehatan Bank mencerminkan kemampuan Bank A bank’s health level reflects its ability to maintain financial
dalam menjaga stabilitas keuangan, menghadapi risiko, stability, manage risks, and sustain performance amid
dan mempertahankan kinerja yang berkelanjutan di tengah evolving economic conditions. Banks assess their health
dinamika ekonomi. Bank mengevaluasi tingkat kesehatan level using a risk-based bank rating approach in accordance
dengan menggunakan pendekatan berbasis risiko with OJK Regulation No. 4/POJK.03/2016 dated January
(risk-based bank rating) sesuai ketentuan POJK No. 4/ 26, 2016, concerning the Assessment of the Health Level
POJK.03/2016 tanggal 26 Januari 2016 tentang Penilaian of Commercial Banks.
Tingkat Kesehatan Bank Umum.
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Penilaian atas tingkat kesehatan Bank mencakup 4 (empat) The assessment of a bank’s health level covers four main
aspek utama, yaitu: aspects:
1. Profil Risiko (Risk Profile); 1. Risk Profile;
2. Tata Kelola Perusahaan yang Baik (Good Corporate 2. Good Corporate Governance (GCG);
Governance/”GCG”);
3. Rentabilitas (Earnings); dan 3. Earnings; and
4. Permodalan (Capital). 4. Capital.
Hasil penilaian tingkat kesehatan Bank untuk tahun 2025 The results of the Bank’s health level assessment for 2025
dijabarkan sebagai berikut: are as follows:
Penilaian (Peringkat)
Faktor Penilaian Assessment (Rating)
Assessment Factor
2025 2024
Profil Risiko
2 2
Risk Profile
Tata Kelola Perusahaan (GCG)
2 2
Corporate Governance (GCG)
Rentabilitas (Earnings)
2 2
Profitability (Earnings)
Permodalan (Capital)
1 1
Capital
Peringkat Komposit Tingkat Kesehatan Bank
2 2
The Bank’s Soundness Composite Rating
Pada tahun 2025, Bank memperoleh peringkat komposit In 2025, the Bank obtained a composite rating of 2 (two),
“2 (dua)”, yang menegaskan bahwa kondisi Bank secara confirming that its overall condition was classified as
keseluruhan berada dalam kategori “Sehat”. Hasil ini ‘Healthy.’ This result indicates that, although certain areas
menunjukkan bahwa meskipun terdapat beberapa area require improvement, the identified weaknesses are limited
yang masih dapat ditingkatkan, kelemahan yang ada and do not materially affect the Bank’s performance or
bersifat terbatas dan tidak berdampak signifikan terhadap financial position.
kinerja maupun fondasi keuangan Bank.
Analisis Kualitas Aset Produktif dan Rasio-Rasio Keuangan Utama
Analysis of Earning Asset Quality and Key Financial Ratios
Rasio Keuangan Relevan Relevant Financial Ratios
Dalam menjalankan kegiatan operasionalnya, Bank In conducting its operational activities, the Bank
senantiasa memastikan kepatuhan terhadap ketentuan consistently ensures compliance with regulations issued
yang ditetapkan oleh OJK, Bank Indonesia, serta peraturan by the Financial Services Authority (OJK), Bank Indonesia,
perundang-undangan terkait lainnya, khususnya terkait and other applicable laws and regulations, particularly
pemenuhan rasio keuangan utama bagi bank umum. those related to key financial ratios for commercial banks.
Rasio keuangan Bank berperan sebagai indikator utama The Bank’s financial ratios serve as key indicators of its
yang mencerminkan kondisi keuangan, kinerja, serta financial condition, performance, and operational stability.
stabilitas operasional. Dengan melakukan perhitungan dan Through regular calculation and analysis of these ratios, the
analisis rasio secara rutin, Bank mampu menilai efektivitas Bank is able to evaluate the effectiveness of its business
strategi bisnis, mengukur tingkat efisiensi operasional, strategies, measure operational efficiency, and identify
dan mengidentifikasi area yang memerlukan perbaikan areas for improvement to support sustainable growth.
untuk mendukung pertumbuhan berkelanjutan. Rasio-rasio The Bank’s key financial ratios cover capitalization, asset
keuangan utama Bank, meliputi permodalan, kualitas aset, quality, profitability, and liquidity.
profitabilitas, dan likuiditas.
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Sesuai dengan ketentuan peraturan yang berlaku, Bank In accordance with applicable regulations, the Bank has
telah melakukan perhitungan dan pemantauan secara calculated and monitored all required financial ratios for the
menyeluruh terhadap seluruh rasio keuangan yang fiscal years ended December 31, 2025, and December 31,
diwajibkan, baik untuk tahun buku yang berakhir pada 31 2024.
Desember 2025 maupun 31 Desember 2024.
Rincian rasio keuangan tersebut dapat dilihat pada tabel Details of these financial ratios are presented in the table
berikut: below:
(dalam % | in %)
Uraian
2025 2024
Decription
KPMM dengan Memperhitungkan Risiko Kredit
33,69 38,57
CAR by Calculating Credit Risk
KPMM dengan Memperhitungkan Risiko Kredit, Operasional, dan Pasar
34,86 39,74
CAR by Calculating Credit, Operational, and Market Risk
Aset Tetap Terhadap Modal
6,65 6,94
Fixed Assets to Capital
CKPN Produktif Terhadap Aset Produktif
1,08 1,11
Allowance for Impairment Losses on Earning Assets
Pemenuhan CKPN Produktif
100,00 100,00
Compliance of Earning Impairment Losses
Pemenuhan CKPN Non - Produktif
100,00 100,00
Compliance of Non-Earning Impairment Losses
Rasio Kredit Bermasalah - Bruto
1,92 1,96
Non-Performing Loan Ratio - Gross
Rasio Kredit Bermasalah - Neto
1,30 1,31
Non-Performing Loan Ratio - Net
Laba (Rugi) Terhadap Pendapatan
34,66 37,14
Profit (Loss) on Revenue
Rasio Pengembalian Aset
1,15 1,40
Return on Assets
Rasio Pengembalian Ekuitas
3,52 3,99
Return on Equity
Margin Bunga Bersih
2,85 3,09
Net Interest Margin
Biaya Operasional Terhadap Pendapatan (BOPO)
81,28 82,48
Operational Expenses to Operating Income (BOPO)
Analisis Kualitas Aset Produktif Productive Asset Quality Analysis
Kualitas aset produktif merupakan salah satu indikator The quality of earning assets is a key indicator in assessing
utama dalam menilai kesehatan dan kinerja Bank. Aset a bank’s overall health and performance. Earning assets
produktif mencakup seluruh kredit dan pembiayaan yang include all loans and financing extended to customers,
diberikan kepada nasabah, baik individu maupun korporasi, both individuals and corporations, which directly influence
yang secara langsung memengaruhi profitabilitas dan the Bank’s profitability and liquidity. An analysis of earning
likuiditas Bank. Analisis terhadap kualitas aset produktif asset quality enables the Bank to evaluate its ability to
dilakukan untuk menilai kemampuan Bank dalam mengelola manage credit risk, maintain stable cash flows, and support
risiko kredit, memastikan kelancaran arus kas, dan sustainable business growth.
mendukung pertumbuhan usaha yang berkelanjutan.
168 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Pada akhir tahun 2025, total aset produktif Bank At the end of 2025, the Bank’s total earning assets were
tercatat sebesar Rp22.034.678, meningkat 17,22% recorded at IDR 22,034,678, an increase of 17.22% from
dibandingkan tahun sebelumnya sebesar Rp18.797.543. the previous year’s figure of IDR 18,797,543. This was
Hal ini dipengaruhi oleh peningkatan aset produktif berupa affected by an increase in earning assets in the form of
pinjaman yang diberikan. Dimana kontribusi pinjaman yang loans, which contributed 23.60%.
diberikan mencapai 23,60%
Berikut ini adalah rincian komposisi aset produktif Bank The following presents a breakdown of the composition of
dalam 2 (dua) tahun terakhir: the Bank’s earning assets over the past two years:
Pertumbuhan
Jenis Kredit
2025 (Rp) 2024 (Rp) (%)
Type of Loan
Growth (%)
Modal Kerja
10.539.850 8.639.464 22,00
Working Capital
Investasi
3.860.023 3.021.533 27,75
Investment
Konsumsi
70.493 46.747 50,80
Consumer
Berdasarkan informasi di atas, rasio kualitas aset produktif Based on the information above, the Bank’s productive
Bank selama 2 (dua) tahun terakhir tercatat sebagai berikut: asset quality ratio for the last 2 years was recorded as
follows:
Rasio Kualitas Aset
2025 2024
Assets Quality Ration
NPL Bruto
1,92% 1,96%
Gross NPL
NPL Bersih
1,30% 1,31%
Net NPL
CKPN
1,08% 1,11%
Allowance for Impairment Losses
Loan to Deposit Ratio (LDR) 121,44% 124,44%
Liquidity Coverage Ratio (LCR) 836,17% 698,38%
Rasio-rasio tersebut mencerminkan kualitas portofolio These ratios reflect the quality of the Bank’s credit portfolio
kredit dan efektivitas manajemen risiko Bank dalam menjaga and the effectiveness of its risk management practices in
kesehatan aset produktif. Langkah-langkah mitigasi yang maintaining the health of its earning assets. The Bank’s
telah diterapkan Bank terbukti efektif dalam menjaga mitigation measures—such as credit restructuring, active
kualitas kredit, seperti restrukturisasi kredit, penagihan aktif, collection efforts, and strict monitoring of non-performing
dan pengawasan ketat terhadap debitur bermasalah, terus borrowers—have proven effective in preserving credit
dilakukan untuk memastikan rasio kualitas aset produktif quality. These efforts continue to ensure that the quality
tetap terkendali dan mendukung pertumbuhan kredit yang of earning assets remains well-controlled and supports
berkelanjutan. sustainable credit growth.
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Suku Bunga Dasar Kredit
Prime Lending Rate
Bank secara transparan mempublikasikan Suku Bunga The Bank transparently publishes its Prime Lending
Dasar Kredit (SBDK) melalui situs resmi bank, yaitu www. Rate (SBDK) on its official website, www.ibk.co.id. This
ibk.co.id. Informasi ini mencakup SBDK untuk kredit disclosure covers prime lending rates for corporate, retail,
korporasi, ritel, serta kredit konsumsi (KPR dan non-KPR), and consumer loans (both mortgage and non-mortgage), as
sebagai bagian dari kewajiban keterbukaan informasi part of the Bank’s commitment to information transparency.
perbankan.
Pelaporan SBDK Bank dilakukan sesuai ketentuan POJK The Bank’s Prime Lending Rate reporting is prepared
No. 13 Tahun 2024 tentang Transparansi dan Publikasi in accordance with OJK Regulation No. 13 of 2024
SBDK bagi Bank Umum Konvensional. Laporan ini memuat concerning Transparency and Publication of Prime Lending
komponen utama dalam perhitungan suku bunga kredit, Rates for Conventional Commercial Banks. The report
termasuk Harga Pokok Dana untuk Kredit (HPDK), biaya outlines the key components used in determining the
overhead, dan marjin keuntungan yang menjadi dasar Prime Lending Rate, including the Cost of Funds for Loans
penetapan suku bunga kepada nasabah. (HPDK), overhead costs, and profit margins, which serve
as the basis for setting customer lending rates.
Bank menempatkan transparansi SBDK sebagai bagian The Bank views transparency in its Prime Lending Rate
integral dari praktik tata kelola yang baik sekaligus untuk as an integral part of good governance practices and a
mendorong persaingan yang sehat di industri perbankan. means to promote healthy competition within the banking
Dalam menetapkan suku bunga kredit, Bank secara industry. In determining its Prime Lending Rate, the Bank
kontinu memantau pergerakan suku bunga acuan, kondisi continuously monitors benchmark interest rate movements,
makroekonomi, likuiditas, serta benchmark suku bunga macroeconomic conditions, liquidity levels, and industry
di industri sehingga setiap penyesuaian dapat dilakukan benchmarks to ensure that any adjustments are timely,
secara tepat, responsif, dan berbasis analisis risiko. Seluruh responsive, and grounded in sound risk analysis. All
penyesuaian diterapkan dengan prinsip kehati-hatian dan adjustments are implemented in accordance with prudential
keselarasan antara profil risiko Bank dan strategi risk- principles and aligned with the Bank’s risk profile and risk-
based pricing. based pricing strategy.
Berikut ini disajikan Laporan SBDK Bank untuk periode The following presents the Bank’s Prime Lending Rate
Desember 2025: report for the period ended December 2025:
Suku Bunga Rata-Rata Dana Pihak Ketiga
Average Third-Party Deposit Rate
(dalam % | in %)
Berdasarkan Jenis Simpanan
Mata Uang By Type of Deposits
Currency Giro Tabungan Deposito
Current Accounts Savings Deposits Time Deposits
Rupiah
0,57 3,32 4,81
IDR
US Dolar
0,18 2,49 4,81
US Dollar
170 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Suku Bunga Dasar Kredit
Prime Lending Rate
(dalam % | in %)
Berdasarkan Segmen Bisnis
By Business Segment
Uraian Kredit Konsumsi
Description Kredit Kredit Consumer Loan
Kredit Ritel
Korporasi Korporasi
Retail Loan KPR Non KPR
Corporate Loan Corporate Loan
Mortgage Loan Non-Mortgage Loan
Suku Bunga Dasar Kredit
7,43 7,93 9,93 7,43 7,43
Prime Lending Rate
Dampak Perubahan Tingkat Suku Bunga Terhadap Kinerja Bank
Impact of Interest Rate Fluctuations on the Bank’s Performance
Fluktuasi tingkat suku bunga memiliki dampak langsung Interest rate fluctuations have a direct impact on the
terhadap kinerja Bank karena memengaruhi berbagai Bank’s performance, as they influence various operational
aspek operasional dan keuangan. Kenaikan suku and financial aspects. An increase in interest rates raises
bunga meningkatkan biaya pinjaman bagi nasabah borrowing costs for customers, which may reduce credit
sehingga berpotensi menurunkan permintaan kredit demand and, in turn, affect the growth of the Bank’s loan
dan memengaruhi pertumbuhan portofolio kredit serta portfolio and interest income.
pendapatan bunga Bank.
Sebaliknya, penurunan suku bunga cenderung Conversely, a decline in interest rates generally stimulates
meningkatkan permintaan kredit karena biaya pinjaman credit demand due to lower borrowing costs, supporting
lebih rendah sehingga mendorong pertumbuhan portofolio loan portfolio growth. However, this may put pressure on
kredit. Namun, kondisi ini dapat menekan margin bunga the net interest margin if the reduction in lending yields
bersih jika penurunan pendapatan dari kredit terjadi lebih occurs more rapidly than the decline in the cost of funds.
cepat dibandingkan penurunan biaya dana.
Untuk mengantisipasi dampak perubahan suku bunga, To mitigate the impact of interest rate movements, the Bank
Bank menerapkan strategi manajemen aset dan liabilitas implements a proactive asset and liability management
secara proaktif, termasuk langkah-langkah lindung strategy, including hedging measures to manage interest
nilai (hedging) terhadap risiko suku bunga. Strategi ini rate risk. This approach helps maintain stable revenue and
memastikan pendapatan dan profitabilitas Bank tetap profitability, while preserving the Bank’s ability to respond
stabil, sekaligus menjaga kemampuan Bank menghadapi effectively to changing market conditions.
perubahan kondisi pasar.
Rincian pengaruh perubahan tingkat suku bunga terhadap Details of the impact of interest rate changes on the Bank’s
kinerja Bank selama 2 (dua) tahun terakhir disajikan performance over the past two years are presented below:
sebagai berikut:
(dalam % | in %)
Kredit Non UMKM Kredit UMKM
Non UMKM Credit UMKM Credit KPR Non KPR
Periode KPA Non KPA
Korporasi Ritel Menengah Kecil Mikro
Corporate Retail Medium Small Micro
Desember | December 2025 7,43 7,93 7,43 7,43 9,93 7,43 7,43
September | September 2025 7,54 8,04 7,54 7,54 10,04 7,54 7,54
Juni | June 2025 7,42 7,92 7,42 7,42 9,92 7,42 7,42
Maret | March 2025 7,55 8,05 7,55 7,55 10,05 7,55 7,55
Desember | December 2024 7,65 8,15 7,65 7,65 10,15 7,65 7,65
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 171
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Informasi Keuangan Material Lainnya
Other Material Financial Information
Kemampuan Membayar Utang dan Kolektibilitas Piutang dan Rasio
Keuangan yang Relevan
Debt Servicing Capacity, Receivables Collectibility, and Relevant Financial Ratios
Bank secara konsisten memastikan seluruh kewajiban baik The Bank consistently ensures that all short-term and
jangka pendek maupun jangka panjang dapat dipenuhi long-term obligations are met in a timely manner. For short-
tepat waktu. Untuk kewajiban jangka pendek, Bank term obligations, the Bank monitors funding adequacy
memantau kecukupan dana melalui rasio likuiditas yang through various liquidity ratios, which reflect its ability to
mencerminkan kemampuan memenuhi kebutuhan kas meet daily cash requirements and current liabilities. Key
harian serta kewajiban lancar. Dalam hal ini, indikator yang indicators include the Loan-to-Deposit Ratio (LDR), the
digunakan meliputi Loan to Deposit Ratio (LDR), rasio kas cash-to-current-liability ratio, and other liquidity metrics
terhadap kewajiban lancar, dan rasio likuiditas lainnya yang that measure the effectiveness of the Bank’s liquidity
menjadi ukuran efektivitas pengelolaan likuiditas Bank. management.
Sementara itu, kemampuan Bank dalam memenuhi Meanwhile, the Bank’s capacity to meet long-term
kewajiban jangka panjang dinilai melalui rasio solvabilitas obligations is assessed through solvency and capital
dan permodalan yang menilai kapasitas Bank dalam ratios, which evaluate its ability to cover all liabilities
menutupi seluruh utang serta mempertahankan kestabilan and maintain financial stability amid market and credit
keuangan di tengah risiko pasar dan kredit. Pemantauan risks. This integrated monitoring of liquidity and solvency
kombinasi dari sisi likuiditas dan solvabilitas ini memberikan provides assurance that the Bank maintains a strong
keyakinan bahwa Bank memiliki fondasi keuangan yang financial foundation, capable of sustaining customer
solid sehingga mampu menjaga kepercayaan nasabah dan and shareholder confidence while supporting long-term
pemegang saham, sekaligus mendukung pertumbuhan stability and sustainable business growth.
usaha yang berkelanjutan dan stabilitas jangka panjang.
Kemampuan Membayar Utang Jangka Long-term Debt Service Ability – Liquidity
Panjang - Rasio Likuiditas Ratio
Bank secara konsisten memastikan seluruh kewajiban The Bank consistently ensures that all short-term obligations
jangka pendek dapat dipenuhi tepat waktu dengan are met in a timely manner by maintaining an adequate
mempertahankan posisi likuiditas yang memadai. Rasio liquidity position. Liquidity ratios serve as key indicators
likuiditas menjadi indikator utama yang menunjukkan of the Bank’s ability to meet daily cash requirements and
kemampuan Bank dalam memenuhi kebutuhan kas harian settle current liabilities. These ratios are monitored regularly
dan kewajiban lancar. Pemantauan rasio likuiditas dilakukan to ensure sufficient funding availability at all times.
secara berkala untuk memastikan ketersediaan dana yang
memadai.
Berikut ini disajikan ringkasan rasio likuiditas Bank untuk 2 The following presents a summary of the Bank’s liquidity
(dua) tahun terakhir: ratios over the past two years:
Uraian
2025 2024
Description
Rasio Kredit Terhadap Dana Pihak Ketiga
121,44 124,44
Loan to Deposit Ratio
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Berdasarkan tabel di atas, LDR Bank tercatat sebesar Based on the table above, the Bank’s LDR was recorded at
121,44% pada 2025, mengalami penyesuaian dibandingkan 121.44% in 2025, adjusting from 124.44% in the previous
posisi tahun sebelumnya sebesar 124,44%. Angka ini year. This figure reflects that the Bank continues to maintain
mencerminkan bahwa Bank tetap menjaga keseimbangan a balance between credit disbursement and customer
antara penyaluran kredit dan simpanan nasabah, sekaligus deposits, while ensuring sufficient liquidity to support daily
memastikan likuiditas tetap memadai untuk mendukung operations and business growth.
operasional harian dan pertumbuhan bisnis.
Meskipun masih berada pada level di atas 100%, posisi Although the ratio remains above 100%, this level indicates
LDR ini menunjukkan bahwa Bank tetap menjalankan that the Bank continues to actively perform its intermediation
fungsi intermediasi secara aktif dengan tingkat leverage function while maintaining a manageable level of leverage.
yang terkelola. Pada saat yang sama, penurunan rasio At the same time, the decline suggests a more prudent and
mengindikasikan langkah yang lebih konservatif dalam measured approach to liquidity management, particularly in
pengelolaan likuiditas, terutama dalam merespons dinamika response to cost of funds dynamics and market risks.
biaya dana dan risiko pasar.
Secara keseluruhan, pergerakan LDR ini mencerminkan Overall, the movement in the LDR reflects the Bank’s
strategi Bank yang semakin terarah dalam mengoptimalkan increasingly focused strategy to optimize its funding
struktur pendanaan, menjaga fleksibilitas likuiditas, structure, enhance liquidity flexibility, and support
serta memastikan keberlanjutan ekspansi kredit tanpa sustainable credit growth while upholding prudential
mengorbankan prinsip kehati-hatian. principles.
Kemampuan Membayar Utang Jangka Long-term Debt Service Ability – Solvency
Panjang - Rasio Solvabilitas Ratio
Dalam menjaga ketahanan permodalan dan memastikan To maintain capital resilience and ensure its ability to meet
kemampuan Bank memenuhi kewajiban jangka panjang, long-term obligations, the Bank consistently monitors
Bank secara konsisten memantau dan mengelola and manages its Capital Adequacy Ratio (CAR) in
rasio Kewajiban Penyediaan Modal Minimum (KPMM) accordance with OJK regulations. In 2025, the Bank’s
sesuai ketentuan OJK. Pada tahun 2025, rasio KPMM CAR was recorded at 33.69%, representing a decrease
Bank tercatat sebesar 33,69%, mengalami penurunan from 38.57% in 2024. This level remains well above the
dibandingkan posisi tahun 2024 sebesar 38,57%. Rasio ini minimum regulatory threshold of 12.5%, reflecting a
tetap berada jauh di atas ambang batas minimum 12,5%, strong and adequate capital position to support business
mencerminkan tingkat permodalan yang kuat dan memadai expansion, absorb risks, and withstand potential financial
untuk mendukung ekspansi usaha, menyerap risiko, serta pressures.
menghadapi potensi tekanan keuangan.
Pemantauan rasio solvabilitas dilakukan secara rutin Ongoing monitoring of solvency ratios forms an integral part
sebagai bagian dari strategi manajemen risiko dan tata of the Bank’s risk management and governance framework,
kelola Bank, sehingga memastikan fondasi keuangan yang ensuring a solid financial foundation while reinforcing
solid serta memberikan keyakinan bagi pemegang saham shareholder and customer confidence in the Bank’s ability
dan nasabah mengenai kemampuan Bank dalam memenuhi to meet its long-term obligations.
seluruh kewajiban jangka panjangnya.
Berikut ini disajikan ringkasan rasio solvabilitas Bank untuk The following presents a summary of the Bank’s solvency
2 (dua) tahun terakhir: ratios over the past two years:
(dalam % | in %)
Uraian
2025 2024
Description
Liabilitas Terhadap Aset
75,16 72,19
Liabilities to Assets
Liabilitas Terhadap Ekuitas
302,52 259,56
Liabilities to Equity
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Berdasarkan tabel di atas, rasio liabilitas terhadap ekuitas Based on the table above, the Bank’s liabilities-to-equity
dan aset Bank masing-masing tercatat sebesar 302,52% and assets ratios were recorded at 302.52% and 75.16%,
dan 75,16% pada tahun 2025. Kedua rasio ini mengalami respectively, in 2025, both increasing from 259.56% and
peningkatan dibandingkan posisi tahun sebelumnya 72.19% in the previous year. These movements reflect the
sebesar 259,56% dan 72,19%. Perubahan tersebut dynamics of the Bank’s lending activities, indicating a more
mencerminkan dinamika aktivitas penyaluran kredit Bank, optimal utilization of third-party funds alongside sustained
yang menunjukkan pemanfaatan dana pihak ketiga secara growth in the loan portfolio.
lebih optimal sekaligus pertumbuhan portofolio kredit yang
berkelanjutan.
Tingkat Kolektibilitas Piutang Receivables Turnover Ratio
Tingkat kolektibilitas piutang mencerminkan kualitas Te collectibility level of receivables reflects the quality of
portofolio kredit Bank sekaligus efektivitas manajemen the Bank’s credit portfolio and the effectiveness of its risk
risiko dalam menjaga kesehatan aset. Bank secara management in maintaining asset quality. The Bank consistently
konsisten memantau kualitas kredit berdasarkan klasifikasi monitors credit quality based on collectibility classifications—
kolektibilitas mulai dari kredit lancar, kredit dalam perhatian ranging from current loans and special mention loans to non-
khusus, hingga kredit macet sesuai ketentuan OJK dan performing loans—in accordance with OJK regulations and
praktik prudential banking. Pemantauan ini memungkinkan prudent banking practices. This monitoring enables the Bank
Bank mengambil langkah mitigasi yang tepat, termasuk to implement appropriate mitigation measures, including credit
restrukturisasi kredit dan penetapan Cadangan Kerugian restructuring and the establishment of adequate Allowance
Penurunan Nilai (CKPN) yang memadai. for Impairment Losses (CKPN).
Pada tahun 2025, rasio Non-Performing Loan (NPL) In 2025, the Bank’s gross and net Non-Performing Loan
gross dan net Bank masing-masing dibukukan mencapai (NPL) ratios reached 1,92% and 1.30%, respectively,
1,92% dan 1,30%, sedikit meningkat dibandingkan posisi representing a slight increase from 1.96% and 1.31%
tahun sebelumnya sebesar 1,96% dan 1,31%. Meskipun in the previous year. Despite this moderate increase, the
terdapat tekanan ringan, mayoritas portofolio kredit Bank majority of the Bank’s credit portfolio remained classified
tetap tergolong lancar. Hal ini mencerminkan efektivitas as current, reflecting the effectiveness of its prudent credit
penerapan kebijakan kredit yang prudent serta pengelolaan policies and disciplined risk management practices.
risiko yang disiplin.
Dalam rangka menurunkan tingkat kredit bermasalah dan To reduce non-performing loans and maintain credit
menjaga kualitas kredit, Bank telah melaksanakan sejumlah quality, the Bank implemented several strategic initiatives,
inisiatif strategis, antara lain: including:
1. Memberikan Surat Pemberitahuan keterlambatan 1. Issuing notification letters for payment delays;
kewajiban debitur;
2. Mengirimkan Surat Peringatan I, II, dan terakhir; 2. Sending Warning Letters i, ii, and final notices;
3. Melakukan pemanggilan debitur untuk klarifikasi dan 3. Summoning debtors for clarification and settlement of
penyelesaian kewajiban; obligations;
4. Menindaklanjuti penagihan melalui kunjungan 4. Conducting direct visits to follow up on collections;
langsung ke debitur bermasalah;
5. Melaksanakan musyawarah terkait rencana penjualan 5. Engaging in discussions regarding the sale of collateral
aset jaminan atau aset lain di luar jaminan; or other assets not covered by collateral;
6. Menawarkan restrukturisasi kredit bagi debitur dengan 6. Offering credit restructuring to debtors with viable
prospek usaha yang masih dapat diselamatkan; business prospects;
7. Melakukan pengambilalihan agunan yang tidak 7. Taking over unresolved collateral and recording it as
terselesaikan dan mencatatnya sebagai aset yang foreclosed assets; and
diambil alih; serta
8. Menempuh jalur hukum apabila debitur tidak kooperatif. 8. Pursuing legal action against uncooperative debtors.
Secara keseluruhan, risiko kredit Bank berada dalam Overall, the Bank’s credit risk remains well controlled,
pengendalian yang baik, seiring penerapan manajemen supported by increasingly stringent and disciplined risk
risiko yang semakin ketat dan disiplin. Bank terus management practices. The Bank continues to strengthen
174 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis memperkuat proses penilaian kelayakan debitur, its creditworthiness assessment processes, enhance pemantauan kualitas portofolio, serta penerapan langkah portfolio quality monitoring, and implement more proactive mitigasi yang lebih proaktif di seluruh segmen pembiayaan. mitigation measures across all financing segments. This Strategi ini memastikan pertumbuhan kredit tetap selaras approach ensures that credit growth remains aligned dengan profil risiko Bank serta kondisi makroekonomi yang with the Bank’s risk profile and evolving macroeconomic berkembang sepanjang tahun. conditions throughout the year. Struktur Modal dan Kebijakan Manajemen atas Struktur Modal serta Dasar Penentuan Kebijakan Capital Structure and Management Policy on Capital Structure Dasar Pemilihan Kebijakan Manajemen Basis of Selecting Management Policy on atas Struktur Modal Capital Structure Bank menetapkan kebijakan struktur modal dengan The Bank establishes its capital structure policy in memperhatikan ketentuan yang berlaku dalam peraturan OJK accordance with applicable Financial Services Authority tentang Kewajiban Penyediaan Modal Minimum (KPMM) (OJK) regulations on the Minimum Capital Adequacy bagi bank umum, sebagaimana diatur dalam POJK No. Requirement (KPMM) for commercial banks, as stipulated 11/POJK.03/2016 (“POJK 11/2016”) tentang Kewajiban in POJK No. 11/POJK.03/2016 (“POJK 11/2016”) and its Penyediaan Modal Minimum Bank Umum (KPMM) dan subsequent amendments. These regulations align capital perubahan selanjutnya yang menyesuaikan standar standards with international best practices (Basel III) to permodalan dengan praktik internasional (Basel III) untuk strengthen the resilience of the banking industry. memperkuat ketahanan industri perbankan. Kebijakan struktur modal ini bertujuan untuk memastikan This policy is designed to ensure that the Bank maintains Bank memiliki modal yang memadai dalam mendukung sufficient capital to support its daily operations, sustain operasional sehari‑hari, pertumbuhan usaha yang business growth, and withstand various risks, including berkelanjutan, serta ketahanan terhadap berbagai risiko, credit, market, and operational risks. Within this framework, termasuk risiko kredit, pasar, dan operasional. Dalam management seeks to balance the composition of debt and kerangka ini, manajemen menyeimbangkan komposisi equity to achieve an optimal capital structure in line with the antara utang dan ekuitas untuk mencapai struktur modal Bank’s risk profile. yang optimal sesuai profil risiko Bank. Dalam merumuskan kebijakan struktur modal, Bank In formulating its capital structure policy, the Bank carefully secara cermat mempertimbangkan dampaknya terhadap considers its impact on shareholder returns while adhering pengembalian bagi pemegang saham, sekaligus tetap to prudential principles. The policy aims to achieve an berpegang pada prinsip kehati-hatian. Kebijakan struktur optimal balance between capital cost efficiency, effective modal Bank diarahkan untuk mencapai keseimbangan risk management, and adequate capital levels to support optimal antara efisiensi biaya modal, pengelolaan risiko long-term obligations and the Bank’s expansion plans. This secara sistematis, dan pemenuhan kecukupan modal capital management approach forms an integral part of guna mendukung kewajiban finansial jangka panjang serta prudent risk governance and reinforces the Bank’s long- rencana ekspansi Bank. Pendekatan manajemen modal term financial stability. ini merupakan bagian integral dari tata kelola risiko yang prudent sekaligus memperkuat stabilitas keuangan Bank dalam jangka panjang. Untuk memastikan permodalan Bank tetap berada pada To ensure that capital remains at a healthy level, the Bank tingkat yang sehat, Bank telah membentuk unit khusus has established a dedicated unit under the Treasury di bawah Direktorat Treasury yang bertugas mengelola Directorate responsible for the comprehensive planning, seluruh aspek perencanaan, pengelolaan, dan pemantauan management, and monitoring of capital. modal secara komprehensif. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 175
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Struktur Permodalan Capital Structure
Struktur permodalan merupakan fondasi utama dalam Capital structure serves as a fundamental pillar in
menjaga stabilitas keuangan dan daya tahan Bank maintaining financial stability and the Bank’s resilience to
terhadap risiko bisnis dan pasar. Dalam rangka memantau business and market risks. To monitor capital strength,
kesehatan permodalan, Bank secara konsisten menghitung the Bank consistently calculates and manages key capital
dan mengelola rasio permodalan, termasuk KPMM, Tier ratios, including the Capital Adequacy Ratio (CAR), Tier
1, dan Tier 2. Rasio ini menjadi indikator penting yang 1, and Tier 2 capital. These ratios are critical indicators of
mencerminkan kemampuan Bank dalam menyerap risiko the Bank’s ability to absorb credit, market, and operational
kredit, pasar, dan operasional, sekaligus memastikan risks, while ensuring sufficient capital to support business
kecukupan modal untuk mendukung ekspansi usaha dan expansion and long-term financial stability.
stabilitas keuangan jangka panjang.
Pengelolaan modal Bank dilakukan secara menyeluruh The Bank’s capital management is carried out
dengan memperhatikan prinsip kehati-hatian, efisiensi comprehensively, guided by prudential principles, capital
biaya modal, dan pengelolaan risiko secara sistematis. cost efficiency, and systematic risk management. This
Pendekatan ini memungkinkan Bank untuk menjaga posisi approach enables the Bank to maintain a sound capital
permodalan tetap sehat, memenuhi ketentuan minimum position, comply with the minimum capital requirements
modal sebagaimana diatur oleh POJK 11/2016, serta stipulated in POJK 11/2016, and strengthen shareholder
mendukung kepercayaan pemegang saham dan nasabah. and customer confidence.
Berikut ini disajikan ringkasan struktur permodalan dan The following presents a summary of the Bank’s capital
rasio KPMM Bank untuk periode pelaporan 2 (dua) tahun structure and CAR for the past two reporting years:
terakhir:
(dalam jutaan Rupiah | in million IDR)
Uraian
2025 2024
Description
Modal Inti (Tier 1)
5.722.326 5.495.654
Core Capital (Tier 1)
Modal Pelengkap (Tier 2)
198.520 166.018
Supplementary Capital (Tier 2)
Jumlah Modal Inti dan Pelengkap
5.920.846 5.661.672
Total Core and Supplementary Capital
Rasio KPMM
CAR
Rasio CET 1 (%)
33,69 38,57
CET 1 Ratio (%)
Rasio Tier 1 (%)
33,69 38,57
Tier 1 Ratio (%)
Rasio Tier 2 (%)
1,17 1,17
Tier 2 Ratio (%)
Rasio Total (%)
34,86 39,74
Total Ratio (%)
Rasio KPMM yang Diwajibkan (%)
10,00 10,00
Required Capital Adequacy Ratio (%)
Rasio KPMM Bank untuk tahun yang berakhir pada The Bank’s Capital Adequacy Ratio (CAR) for the years
31 Desember 2025 dan 2024 telah memenuhi seluruh ended December 31, 2025 and 2024 has complied
ketentuan OJK terkait batas minimum kecukupan modal. with all OJK requirements regarding the minimum capital
Setelah memperhitungkan capital buffer, rasio KPMM adequacy threshold. After taking into account the capital
176 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Bank tetap berada di atas persyaratan minimum yang buffer, the Bank’s CAR remained above the minimum
ditetapkan sesuai dengan profil risiko Bank. Pencapaian requirement set in accordance with the Bank’s risk profile.
ini menunjukkan struktur modal Bank yang kuat dan This achievement reflects the Bank’s strong capital
kemampuan yang memadai dalam menyerap potensi structure and its adequate capacity to absorb potential
risiko dari kegiatan usaha. Kondisi tersebut memberikan risks arising from its business activities. This condition
ruang bagi Bank untuk mendukung ekspansi bisnis dan also provides room for the Bank to support business
pertumbuhan usaha secara berkelanjutan. expansion and sustainable business growth.
Kebijakan Manajemen atas Struktur Management Policy on Capital Structure
Permodalan
Kebijakan struktur modal Bank dirancang untuk mencapai The Bank’s capital structure policy is designed to achieve
keseimbangan optimal antara ekuitas dan utang guna an optimal balance between equity and debt, supporting
mendukung pertumbuhan bisnis yang berkelanjutan sekaligus sustainable business growth while maintaining financial
menjaga stabilitas keuangan. Dalam menetapkan kebijakan stability. In formulating this policy, the Bank carefully
ini, Bank mempertimbangkan dampak tingkat permodalan considers the impact of capital levels on shareholder
terhadap pengembalian bagi pemegang saham, sehingga returns, balancing the potential for higher returns through
tercipta keseimbangan antara potensi pengembalian yang leverage with the security provided by a strong capital
lebih tinggi melalui leverage dan keamanan yang diperoleh base.
dari posisi permodalan yang solid.
Fokus pengelolaan permodalan Bank diarahkan pada The Bank’s capital management focuses on maintaining
pemilihan struktur modal yang efisien, tidak hanya an efficient capital structure, not only to minimize the cost
untuk meminimalkan biaya modal tetapi juga untuk of capital but also to support effective risk management.
mengoptimalkan pengelolaan risiko secara sistematis. This approach ensures adequate capital to meet all
Pendekatan ini memastikan kecukupan modal Bank dalam financial obligations and sustain smooth day-to-day
memenuhi seluruh kewajiban finansial serta mendukung operations. Through disciplined capital management, the
kelancaran operasional harian. Strategi pengelolaan modal Bank strengthens its resilience to external pressures while
yang disiplin ini diyakini dapat memperkuat ketahanan supporting its long-term expansion and growth objectives.
Bank terhadap tekanan eksternal dan mendukung rencana
ekspansi serta pertumbuhan jangka panjang.
Ikatan Material untuk Investasi Barang Modal
Material Commitments for Capital Expenditures
Pada tahun buku 2025, Bank tidak memiliki ikatan material In the 2025 fiscal year, the Bank did not have any material
untuk investasi barang modal. Oleh karena itu, Laporan commitments related to capital goods investments.
Tahunan 2025 tidak menyajikan informasi terkait hal ini, Accordingly, this Annual Report does not present information
termasuk namun tidak terbatas pada: on such commitments, including but not limited to:
1. Nama dari pihak yang melakukan ikatan; 1. The name of the counterparty to the commitment;
2. Tujuan dari perikatan; 2. The purpose of the commitment;
3. Sumber dana yang disiapkan untuk memenuhi 3. The source of funds allocated to fulfill the commitment;
perikatan tersebut;
4. Denominasi mata uang dalam ikatan tersebut; dan 4. The currency denomination of the commitment; and
5. Langkah-langkah yang direncanakan Bank untuk 5. The Bank’s planned measures to hedge risks arising
melindungi risiko dari posisi mata uang asing yang from related foreign currency exposures.
terkait.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 177
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Realisasi Investasi Barang Modal pada Tahun Buku 2025
Capital Goods Investment Realization in Fiscal Year 2025
Tujuan Investasi Barang Modal Capital Goods Investment Objectives
Bank merealisasikan belanja modal dengan tujuan The Bank undertakes capital expenditures to enhance
untuk meningkatkan kualitas layanan kepada nasabah, customer service quality, improve operational efficiency,
mendukung efisiensi operasional, serta memperkuat and strengthen competitiveness through strategic and
daya saing melalui pengelolaan aset yang strategis dan sustainable asset management. These investments are
berkelanjutan. Selain itu, investasi ini juga difokuskan untuk also directed toward fostering innovation and adapting
mendorong inovasi dan adaptasi terhadap perkembangan to technological advancements, enabling the Bank to
teknologi, sehingga Bank dapat merespons perubahan respond swiftly to market changes and achieve long-term
pasar dengan cepat sekaligus memperoleh keunggulan competitive advantage.
kompetitif jangka panjang.
Jenis dan Nilai Investasi Investment Types and Value
Pada tahun 2025, Bank merealisasikan investasi barang In 2025, the Bank realized capital goods investments
modal yang tercermin pada beberapa komponen utama across several key fixed asset components. The largest
aset tetap. Investasi terbesar dilakukan pada perlengkapan investments were in office equipment and supplies,
dan peralatan kantor sebesar Rp8,05 miliar, serta perbaikan totaling IDR 8.05 billion, and improvements to leased
aset sewa sebesar Rp3,47 miliar. Selain itu, Bank juga assets, amounting to IDR 3.47 billion. In addition, the Bank
mencatat penambahan pada kendaraan sebesar Rp2,71 recorded an increase in vehicles amounting to IDR 2.71
miliar. billion.
Di sisi lain, nilai aset hak guna mengalami penurunan Meanwhile, the value of right-of-use assets declined to
menjadi Rp14,73 miliar dari Rp98,83 miliar pada tahun IDR 14.73 billion from IDR 98.83 billion in the previous
sebelumnya, sejalan dengan berkurangnya komitmen year, in line with reduced lease commitments or the
sewa atau berakhirnya masa kontrak tertentu. Secara expiration of certain contracts. Overall, total addition fixed
keseluruhan, total penambahan aset tetap tercatat sebesar assets were recorded at IDR 28.97 billion, representing a
Rp28,97 miliar, menurun 75,10% dibandingkan Rp116,34 75.10% decrease from IDR 116.34 billion in 2024.
miliar pada tahun 2024.
Rincian investasi barang modal yang dilakukan Bank Details of the Bank’s capital goods investments over the
selama 2 (dua) tahun terakhir disajikan sebagai berikut: past two years are presented as follows:
(dalam jutaan Rupiah | in million IDR)
Pertumbuhan/(Penurunan)
Uraian Growth (Decrease)
2025 2024
Description Nominal
%
(Rp | IDR)
Kendaraan
2.714 19 2.695 14.184,21
Vehicles
Perlengkapan dan Peralatan Kantor
8.054 10.164 (2.110) (20,76)
Furnitures, Fixtures, and Office Equipment
Perbaikan Aset yang Disewa
3.468 5.832 (2.364) (40,53)
Leasehold Improvements
Aset dalam Pembangunan
- 1.487 (1.487) (100,00)
Construction in Progress
Aset Hak Guna
14.730 98.834 (84.104) (85,10)
Right-of-Use Asset
Jumlah
28.966 116.366 (87.370) (75,10)
Total
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Denominasi Mata Uang dan Sumber Currency Denomination and Investment
Pendanaan Investasi Funding Sources
Seluruh realisasi belanja modal Bank selama tahun All of the Bank’s capital expenditures in 2025 were funded
2025 dilakukan menggunakan pendanaan internal dan internally and denominated in Rupiah. Accordingly, these
didenominasi dalam mata uang Rupiah. Dengan demikian, investment activities did not expose the Bank to foreign
aktivitas investasi tersebut tidak menimbulkan eksposur exchange risk.
terhadap risiko nilai tukar.
Informasi dan Fakta Material yang Terjadi Setelah Tanggal
Laporan Akuntan
Material Information and Facts Subsequent to The Accountant’s Report Date
Sampai dengan tanggal persetujuan penerbitan laporan As of the issuance date of this report, there is no material
keuangan oleh Dewan Direksi, tidak terdapat peristiwa information and/or events occurring after the date of the
maupun fakta material setelah tanggal laporan keuangan accountant’s report that could have a significant impact
yang berdampak signifikan terhadap posisi keuangan, on the Bank’s financial condition, results of operations, or
kinerja usaha, maupun kelangsungan usaha Perseroan. business continuity.
Perbandingan Antara Target dan Realisasi Tahun 2025, Serta Proyeksi
Kinerja Tahun 2026
Comparison Between 2025 Targets and Realization, and 2026 Performance Projections
Bank menutup tahun 2025 dengan capaian kinerja yang The Bank closed 2025 with generally solid performance,
secara umum menunjukkan hasil yang solid, didukung supported by a strong capital position and maintained
oleh kondisi permodalan yang kuat serta likuiditas yang liquidity. However, prevailing market dynamics placed
tetap terjaga. Meskipun demikian, dinamika pasar turut pressure on several profitability indicators, resulting in
memberikan tekanan pada beberapa indikator profitabilitas, performance that has not yet fully met the targets set in the
sehingga realisasi belum sepenuhnya mencapai target annual Business Plan (RBB).
yang ditetapkan dalam RBB tahunan.
Capaian tersebut menjadi indikator penting dalam These results serve as important indicators for evaluating
mengevaluasi efektivitas strategi yang telah dijalankan the effectiveness of the strategies implemented throughout
sepanjang tahun, sekaligus menjadi dasar dalam menyusun the year and provide a basis for setting more measurable
target yang lebih terukur dan realistis ke depan. and realistic targets going forward.
Sehubungan dengan hal tersebut, berikut disajikan In this regard, the following presents a comparison between
perbandingan antara target dan realisasi kinerja keuangan the Bank’s targeted and actual financial performance for the
Bank untuk periode yang berakhir pada 31 Desember period ended December 31, 2025, as well as its projected
2025, serta proyeksi kinerja tahun 2026: performance for 2026:
2025 Proyeksi 2026
(Rp)
Target Realisasi (Rp) Pencapaian (%) 2026 Projection
(Rp | IDR) Realization (IDR) Achievement (%) (IDR)
Keuangan
Finance
Pendapatan Bunga – Bersih
670.128 569.613 93,62 655.124
Interest Income – Net
Laba Bersih Tahun Berjalan
220.258 197.425 89,63 209.680
Net Income for the Year
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 179
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
2025 Proyeksi 2026
(Rp)
Target Realisasi (Rp) Pencapaian (%) 2026 Projection
(Rp | IDR) Realization (IDR) Achievement (%) (IDR)
Jumlah Ekuitas
5.830.080 5.815.067 99,74 6.025.995
Total Equity
Jumlah Aset
22.861.719 23.406.738 120,38 26.161.619
Total Assets
Struktur Modal
Capital Structure
Rasio KPMM yang Diwajibkan (%)
10,00 34,86 348,60 10,00
Required Capital Adequacy Ratio (%)
Kebijakan Dividen
Dividend Policy
• Bank tidak menetapkan target dan proyeksi khusus mengenai nominal pembayaran dividen yang akan dibagikan untuk tahun 2024 dan 2025.
• Pembagian dividen akan ditentukan berdasarkan Anggaran Dasar Bank, keputusan Pemegang Saham melalui Rapat Umum Pemegang, serta bergantung pada berbagai indikator
keuangan dan permodalan Bank.
• The Bank has not set specific targets and projections on the nominal of dividend payments to be distributed for 2024 and 2025.
• Dividend distribution will be determined based on the Bank’s Articles of Association, Shareholders resolutions through the General Meeting of Shareholders, and will depend on
various financial indicators and the Bank’s capital.
Kinerja bisnis Bank sedang mengalami perlambatan The Bank’s business performance is currently experiencing
dibandingkan target sepanjang tahun 2025, dalam kondisi a slowdown compared to the 2025 annual targets;
tesebut pencapain laba ini masih terjaga dan berada however, profit achievement was stable at 89.63% of
89,63% dari target dan masih sejalan dengan ekspekasi the target and remained in line with market expectations.
market. Bank akan tetap mencermati beberapa indikator The Bank will continue to monitor several indicators and
dan kinerja yang perlu diperbaiki sebagai fokus utama dalam performance areas requiring improvement as key priorities
perbaikan di tahun mendatang. Kedepan atas perbaikan for improvement in the coming year. Moving forward,
kinerja yang konsisten dilakukan oleh Bank dapat semakin the Bank’s consistent performance improvements will
memperkuat fondasi pertumbuhan berkelanjutan sekaligus further strengthen the foundation for sustainable growth
menjaga daya saing Bank di tengah dinamika industri while preserving the Bank’s competitiveness amid the
perbankan yang semakin kompetitif. increasingly competitive dynamics of the banking industry.
Kebijakan Dividen dan Pembagiannya
Dividend Policy and Its Distribution
Kebijakan Dividen Dividend policy
Kebijakan dividen merupakan bagian penting dari Dividend policy is a key component of the Bank’s financial
pengelolaan keuangan Bank yang dirancang untuk management, designed to allocate profits to shareholders in
mengalokasikan laba kepada pemegang saham secara a balanced manner while ensuring operational sustainability
seimbang, sambil memastikan kelancaran operasional and supporting long-term growth. This policy aims to
dan mendukung pertumbuhan jangka panjang. Kebijakan provide attractive returns to investors through dividend
ini bertujuan untuk memberikan imbal hasil yang menarik distributions, while maintaining sufficient retained earnings
bagi investor melalui pembayaran dividen, sekaligus to support business expansion, strategic investments, and
mempertahankan laba ditahan yang memadai untuk capital strengthening.
mendukung ekspansi bisnis, investasi strategis, dan
penguatan permodalan.
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Rencana pembagian Dividen didasarkan atas pemenuhan The dividend distribution plan is determined based on
hak pemegang saham dengan mengutamakan kepentingan the fulfillment of shareholders’ rights while prioritizing
Bank dan dicantumkan dalam RBB dan Bank wajib the Bank’s interests. The plan is stipulated in the Bank’s
mendasarkan atas berbagai pertimbangan Internal dan Business Plan (RBB), and the Bank must consider various
Eksternal antara lain: internal and external factors, including the following:
1. Pertimbagan Bank dari aspek Internal 1. Internal Considerations
• Kinerja Keuangan; • Financial performance;
• Tingkat Kesehatan Bank; • The Bank’s soundness level;
• Prospek Profitabilitas dan Likuiditas; • Profitability and liquidity outlook;
• Prospek Pertumbuhan dan kebutuhan dana; • Growth prospects and funding requirements;
• Pemenuhan tingkat kecukupan Permodalan; • Capital adequacy requirements;
• Potensi Risiko dari Internal Bank. • Potential risks arising from internal factors of the
Bank.
2. Pertimbangan Eksternal 2. External Considerations
• Kondisi Makroekonomi seperti tingkat suku • Macroeconomic conditions, such as interest
bunga, tingkat Inflasi; rates and inflation levels;
• Potensi Risiko dari Eksternal Bank; • Potential risks arising from external factors
affecting the Bank;
• Pemenuhan ketentuan Peraturan Perundang-Undangan • Compliance with prevailing laws and regulations,
yang berlaku, antara lain ketentuan Perpajakan, including taxation, capital market, and capital
ketentuan Pasar Modal, Ketentuan Permodalan; adequacy regulations;
• Arahan dan masukan dari regulator; • Directions and inputs from regulators;
• Masukan atau aspirasi dari Pemegang Saham. • Inputs or aspirations from shareholders.
Dalam penerapannya, Bank memastikan setiap rencana In implementing this policy, the Bank ensures that each
pembagian dividen tidak menimbulkan risiko terhadap dividend distribution does not adversely affect its financial
kinerja keuangan maupun profil risiko, sehingga mampu performance or risk profile, thereby maintaining a balance
menjaga keseimbangan antara pemberian imbal hasil kepada between delivering returns to shareholders and preserving
Pemegang Saham dan keberlanjutan operasional Bank. long-term operational sustainability.
Kronologis Pembagian Dividen RUPS Chronology of Dividend Distribution at the
Tahun 2024 dan 2025 2024 and 2025 GMS
Berdasarkan keputusan Rapat Umum Pemegang Saham Based on the decision of the Annual General Meeting
Tahunan (RUPST) yang diselenggarakan pada 20 Juni 2025, of Shareholders (AGMS) held on June 20, 2025, the
para Pemegang Saham menyetujui untuk tidak membagikan Shareholders agreed not to distribute cash dividends
dividen tunai atas kinerja tahun buku 2024. Sejalan dengan for the 2024 fiscal year. In line with this policy, the Bank
kebijakan tersebut, pada tahun 2024 Bank juga tidak also did not distribute dividends for the 2023 fiscal year
melakukan pembagian dividen atas kinerja tahun buku 2023. in 2024.
Keputusan ini mencerminkan kebijakan strategis Bank This decision reflects the Bank’s strategic policy of
dalam mengoptimalkan penggunaan laba ditahan untuk optimizing the use of retained earnings to strengthen its
memperkuat struktur permodalan, mendukung ekspansi capital structure, support sustainable business expansion,
usaha secara berkelanjutan, serta menjaga ketahanan and maintain financial resilience amidst the dynamics of the
keuangan di tengah dinamika industri perbankan. banking industry.
Dasar Kebijakan Pembagian Dividen Basis of Dividend Distribution Policy
Kebijakan pembagian dividen Bank disusun dengan The Bank’s dividend distribution policy is formulated with
mengacu pada beberapa ketentuan hukum dan peraturan reference to applicable laws and internal regulations,
internal yang berlaku, antara lain: including:
1. Undang-Undang No. 40 Tahun 2007 tentang Perseroan 1. Law No. 40 of 2007 concerning Limited Liability
Terbatas pasal 15, pasal 70, dan pasal 15; dan Companies, particularly Articles 15 and 70; and
2. Standard Operating Procedure (SOP) pembagian 2. Dividend Distribution Standard Operating Procedure
deviden. (SOP).
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis Prospek Usaha Tahun 2026 2026 Business Prospects Bank memandang prospek usaha tahun 2026 dengan The Bank views its 2026 business prospects with optimisme yang terukur, sejalan dengan kondisi ekonomi measured optimism, in line with the projected resilience of nasional yang diproyeksikan tetap resilien serta dinamika the national economy and evolving dynamics in the banking sektor perbankan yang menunjukkan tren pertumbuhan sector, which continue to point toward sustainable growth. berkelanjutan. Pertumbuhan ekonomi Indonesia pada tahun Indonesia’s economic growth is expected to remain within depan juga diperkirakan berada pada kisaran yang sehat, a healthy range, supported by stronger domestic activity didukung oleh peningkatan aktivitas ekonomi domestik dan and increasing demand for financial services. menguatnya permintaan terhadap layanan keuangan. Kondisi makroekonomi tersebut turut ditopang oleh stabilitas These macroeconomic conditions are further supported nilai tukar dan inflasi yang relatif terkendali sehingga diyakini by exchange rate stability and relatively controlled inflation, dapat menciptakan lingkungan usaha yang kondusif creating a conducive environment for the financial industry. bagi industri keuangan. Di tengah kebijakan suku bunga Amid a stable benchmark interest rate environment, credit acuan yang terjaga, pertumbuhan kredit diharapkan dapat growth is expected to remain healthy with manageable berlangsung secara sehat dengan risiko yang terkelola, risks, while banking sector liquidity is projected to stay sementara likuiditas perbankan diperkirakan tetap berada adequate. This provides the Bank with greater flexibility pada tingkat yang memadai. Situasi ini memberikan ruang to selectively expand its financing portfolio and deepen yang lebih luas bagi Bank untuk memperluas penyaluran market penetration in high-potential segments. pembiayaan secara selektif serta meningkatkan penetrasi pasar pada segmen-segmen potensial. Sejalan dengan prospek tersebut, industri perbankan nasional In line with these prospects, the national banking industry diperkirakan akan melanjutkan momentum pertumbuhannya is expected to continue its growth momentum, with credit dengan pertumbuhan kredit di tahun 2025 mencapai growth in 2025 projected to reach 9.4%. Bank Indonesia 9,4%. Bank Indonesia memproyeksikan pertumbuhan projects banking credit growth in 2026 to reach 8-12% kredit industri perbankan tahun 2026 berada pada kisaran (YoY), driven by rising demand for financing in productive 8-12% (YoY), didorong oleh meningkatnya permintaan sectors and continued business and investment activity. pembiayaan dari sektor-sektor produktif serta berlanjutnya This trend is expected to further strengthen the banking aktivitas usaha dan investasi. Perkembangan ini diharapkan sector’s intermediation role in supporting national economic dapat memperkuat fungsi intermediasi perbankan dalam growth. mendukung pertumbuhan ekonomi nasional. Menyikapi peluang tersebut, Bank menegaskan In response to these opportunities, the Bank remains keyakinannya terhadap kekuatan fundamental bisnis confident in the strength of its business fundamentals, yang didukung oleh penerapan manajemen risiko yang underpinned by prudent risk management, a solid capital prudent, struktur permodalan yang solid, serta diversifikasi structure, and a well-diversified business portfolio. The portofolio usaha yang berimbang. Sejalan dengan itu, Bank continues to enhance its digital capabilities and Bank secara berkelanjutan memperkuat kapabilitas digital develop innovative products to meet increasingly dynamic dan mengembangkan inovasi produk guna merespons customer needs, while also improving operational efficiency kebutuhan nasabah yang semakin dinamis, sekaligus and competitiveness through stronger synergies with meningkatkan efisiensi operasional dan daya saing melalui strategic partners. penguatan sinergi dengan mitra strategis. Dengan fondasi yang kokoh dan strategi pertumbuhan yang With a strong foundation and a well-defined growth terarah, Bank meyakini bahwa kinerja usaha pada 2026 strategy, the Bank is confident that its performance in 2026 akan mencerminkan pertumbuhan yang berkelanjutan. will reflect sustainable growth. This optimism aligns with the Optimisme ini sejalan dengan komitmen Bank untuk Bank’s commitment to delivering long-term value, achieving menciptakan nilai tambah jangka panjang, mendukung its strategic objectives, and strengthening stakeholder trust pencapaian tujuan strategis Perseroan, serta memperkuat amid both global and domestic economic developments. kepercayaan seluruh pemangku kepentingan di tengah dinamika ekonomi global dan domestik. 182 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Aspek Pemasaran
Marketing Aspects
Strategi Pemasaran Marketing Strategy
Pemasaran memegang peran strategis dalam memperluas Marketing plays a strategic role in expanding the Bank’s
jangkauan layanan Bank sekaligus memperkuat hubungan service reach while strengthening customer relationships.
dengan nasabah. Sepanjang 2025, Bank memfokuskan Throughout 2025, the Bank focused its marketing initiatives
aktivitas pemasaran pada penghimpunan dana pihak on growing third-party funds and expanding credit
ketiga dan penyaluran kredit kepada sektor bisnis maupun distribution to both business and individual segments,
individu melalui berbagai produk dan layanan unggulan supported by a range of competitive products and services
yang disesuaikan dengan kebutuhan nasabah. tailored to customer needs.
Bank secara proaktif mengembangkan jaringan kemitraan The Bank continues to proactively develop strategic
strategis untuk meningkatkan manfaat bagi nasabah. partnerships to enhance customer value. One key initiative is
Salah satu langkah nyata adalah kerja sama dengan its collaboration with Krakatau POSCO, enabling the Bank
Krakatau POSCO yang memungkinkan Bank memberikan to provide competitive, low-interest financing to POSCO’s
pembiayaan berbunga rendah kepada perusahaan mitra partner companies, supported by funding sourced from
POSCO dengan pendanaan bersumber dari suku bunga POSCO’s deposits. Each credit facility is extended in
simpanan POSCO. Setiap fasilitas kredit tetap mengikuti accordance with the Bank’s established risk assessment
prosedur penilaian risiko Bank, termasuk penetapan limit, procedures, including the determination of limits, pricing,
suku bunga, dan agunan, sehingga sejalan dengan prinsip and collateral, in line with prudential principles.
manajemen risiko yang prudent.
Untuk memperkuat ekosistem pembiayaan, Bank To further strengthen its financing ecosystem, the Bank
meluncurkan produk value chain financing sehingga introduced a value chain financing product, allowing
memungkinkan nasabah menggunakan piutang dagang customers to utilize trade receivables as collateral. In
sebagai jaminan pembiayaan. Selain itu, Bank juga addition, the Bank expanded access to potential borrowers
memperluas akses ke debitur potensial melalui kerja sama through partnerships with PT Bangun Laksana in industrial
dengan PT Bangun Laksana di kawasan industri, serta areas, offering financing schemes tailored to the specific
menawarkan skema pembiayaan yang disesuaikan dengan operational characteristics of each company.
aktivitas operasional masing-masing perusahaan.
Bank juga memperkuat penetrasi pasar melalui pendekatan The Bank also enhanced market penetration through direct
langsung, terutama di wilayah strategis seperti Jawa engagement strategies, particularly in high-growth regions
Tengah, yang mengalami pertumbuhan industri baru. Tim such as Central Java, where new industrial developments
Marketing dari Kantor Pusat diterjunkan langsung untuk are emerging. The Marketing Team from Head Office was
membangun relasi dengan calon debitur, menawarkan deployed to build relationships with prospective borrowers,
solusi pembiayaan yang tepat, serta memastikan layanan deliver tailored financing solutions, and ensure that the
Bank dapat memenuhi kebutuhan pasar yang berkembang. Bank’s services remain aligned with evolving market needs.
Melalui kombinasi kemitraan strategis, inovasi produk, Through a combination of strategic partnerships, product
dan pemasaran proaktif, Bank berhasil memperluas basis innovation, and proactive marketing efforts, the Bank
nasabah, meningkatkan efektivitas penghimpunan dana successfully expanded its customer base, improved
dan penyaluran kredit, serta memperkuat daya saing di the effectiveness of fund mobilization and lending, and
industri perbankan. Strategi pemasaran ini mendukung strengthened its competitiveness within the banking
pertumbuhan bisnis yang berkelanjutan sekaligus menjaga industry. This strategy supports sustainable business
kualitas layanan bagi seluruh nasabah. growth while maintaining high-quality service for all
customers.
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Pangsa Pasar Bank di Industri Perbankan Bank Market Share in the National Banking
Nasional Industry
Sebagai bagian dari strategi pengembangan bisnis yang As part of its sustainable business development strategy,
berkelanjutan, Bank terus memantau dan menganalisis the Bank continuously monitors and evaluates its
posisi kompetitifnya di industri perbankan nasional, competitive position within the national banking industry,
khususnya di segmen Kredit Modal Kerja Industri particularly in the Industrial Working Capital Loan (KBMI)
(KBMI) 1. Pangsa pasar menjadi indikator penting yang 1 segment. Market share serves as a key indicator of
mencerminkan kemampuan Bank dalam menarik nasabah, the Bank’s ability to attract customers, expand lending,
menyalurkan kredit, serta bersaing secara efektif di tengah and compete effectively in a dynamic and increasingly
dinamika sektor perbankan yang kompetitif. competitive environment.
Analisis pangsa pasar memberikan gambaran mengenai Market share analysis provides insight into the Bank’s
kontribusi Bank terhadap total kredit nasional di segmen contribution to total national credit in the KBMI 1 segment
KBMI 1, sekaligus menjadi dasar evaluasi efektivitas and serves as a basis for assessing the effectiveness
strategi pemasaran, penyaluran kredit, dan pengelolaan of its marketing strategies, loan disbursement, and risk
risiko. Informasi ini juga menjadi referensi penting bagi management practices. It also acts as an important reference
manajemen dan pemangku kepentingan untuk memahami for management and stakeholders in understanding
posisi Bank dalam industri, serta mendukung perumusan the Bank’s industry positioning and in formulating more
kebijakan pertumbuhan dan ekspansi yang lebih tepat targeted growth and expansion strategies going forward.
sasaran di masa mendatang.
Industri
Bank Perbankan
Uraian Pangsa Pasar
(Rp triliun | (KBMI 1)
Description Market Share
trillion) Banking Industry
(KBMI 1)
Kredit yang diberikan
14,47 757,56 1,91%
Loans
Dana Pihak Ketiga
11,92 930,50 1,28%
Third Party Funds
Jumlah Aset
23,41 1.309,08 1,79%
Total Assets
Dengan kombinasi basis aset yang solid, portofolio kredit With a solid asset base, a strong credit and third-party fund
dan DPK yang kuat, serta kinerja keuangan yang stabil, portfolio, and stable financial performance, the Bank is well
Bank menempati posisi strategis untuk terus berkembang positioned for continued growth. This enables the Bank
di waktu mendatang. Kondisi ini memungkinkan Bank tidak not only to sustain its growth trajectory but also to deliver
hanya menjaga pertumbuhan yang berkelanjutan, tetapi meaningful value to both shareholders and customers.
juga menciptakan nilai tambah yang nyata bagi pemegang
saham maupun nasabah.
Program Kepemilikan Saham oleh Karyawan dan/atau Manajemen
Employee and/or Management Stock Ownership Program
Sepanjang tahun 2025, Bank tidak memiliki maupun Throughout 2025, the Bank did not have or implement a
melaksanakan program Management Stock Option Plan Management Stock Option Plan (MSOP) or an Employee
(MSOP) dan/atau Employee Stock Option Plan (ESOP). Stock Option Plan (ESOP). These programs were last
Program tersebut terakhir kali dilaksanakan pada tahun implemented in 2024.
2024.
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Realisasi Penggunaan Dana Hasil Penawaran Umum
Realization of the Use of Proceeds from Public Offering
Sepanjang tahun 2025, Bank tidak melakukan penerbitan Throughout 2025, the Bank did not issue any bonds or
obligasi atau efek-efek lainnya sehingga tidak terdapat other securities. Accordingly, there is no requirement to
kewajiban bagi Bank untuk melaporkan informasi terkait disclose information regarding total proceeds from public
total perolehan dana hasil penawaran umum, rencana offerings, planned and actual use of such proceeds,
dan rincian penggunaan dana tersebut, saldo dana hasil remaining balances, or approvals by the GMS/GMB for
penawaran umum, maupun tanggal persetujuan RUPS/ any changes in the use of funds.
RUPO atas perubahan penggunaan dana.
Informasi Transaksi Material yang Mengandung Benturan Kepentingan
dan/atau Transaksi dengan Pihak Afiliasi/Pihak Berelasi
Information on Material Transactions Involving Conflict of Interest and/or Transactions with
Affiliated/Related Parties
Transaksi Material yang Mengandung Material Transactions Involving Conflict of
Benturan Kepentingan Interest
Benturan kepentingan didefinisikan sebagai perbedaan A conflict of interest refers to a situation where there is
kepentingan ekonomis antara perusahaan dengan a difference between the economic interests of the Bank
kepentingan pribadi anggota Direksi, Dewan Komisaris, and the personal interests of members of the Board of
pemegang saham utama, atau Pengendali yang berpotensi Directors, Board of Commissioners, major shareholders, or
merugikan perusahaan. Sementara itu, transaksi afiliasi the Controlling Party, which may potentially harm the Bank.
mencakup setiap aktivitas atau transaksi yang dilakukan Meanwhile, affiliated transactions refer to any activity or
oleh Bank atau entitas terkendali dengan afiliasi dari Bank, transaction conducted by the Bank or its controlled entities
Direksi, Dewan Komisaris, pemegang saham utama, atau with affiliated parties, including members of the Board of
Pengendali, termasuk transaksi yang dilakukan untuk Directors, Board of Commissioners, major shareholders, or
kepentingan afiliasi tersebut. the Controlling Party, as well as transactions carried out for
the benefit of such affiliates.
Sepanjang tahun 2025, Bank tidak mencatat adanya Throughout 2025, the Bank did not record any
transaksi keuangan yang mengandung benturan transactions involving conflicts of interest as defined under
kepentingan sebagaimana dimaksud dalam peraturan applicable laws and regulations. Accordingly, there were
perundang-undangan yang berlaku. Oleh karena itu, tidak no transactions requiring prior approval from shareholders
terdapat transaksi yang memerlukan persetujuan terlebih through a General Meeting of Shareholders (GMS).
dahulu dari Pemegang Saham melalui Rapat Umum
Pemegang Saham (RUPS).
Kewajaran, Mekanisme Review, dan Fairness, Review Mechanisms, and
Pemenuhan Peraturan Transaksi dengan Compliance of Transaction Regulations
Pihak Berelasi with Related Parties
Bank memastikan bahwa seluruh transaksi dengan The Bank ensures that all transactions with related parties
pihak berelasi dilaksanakan secara wajar, sekaligus are conducted on a fair and arm’s length basis, while
menjaga kepentingan Pemegang Saham, baik mayoritas safeguarding the interests of both majority and minority
maupun minoritas. Seluruh transaksi keuangan dilakukan shareholders. Such transactions are carried out based on
berdasarkan kebutuhan bisnis dan diarahkan untuk legitimate business needs and are intended to support the
mendukung kinerja serta operasional Bank, dengan tetap Bank’s performance and operations.
mengedepankan prinsip arm’s length.
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Untuk menjamin kepatuhan dan kewajaran, setiap transaksi To ensure compliance and fairness, each related party
dengan pihak berelasi telah melalui mekanisme review transaction is subject to a rigorous internal review
internal yang ketat dengan berpedoman pada standar process in accordance with PSAK No. 224, Related Party
akuntansi PSAK No. 224 tentang “Pengungkapan Pihak- Disclosures. The implementation of this framework ensures
pihak Berelasi”. Penerapan prosedur ini memastikan that, throughout 2025, there were no funding transactions
bahwa sepanjang tahun 2025 tidak terdapat transaksi or other activities with related parties that violated regulatory
penyediaan dana atau aktivitas lain dengan pihak berelasi provisions or exceeded the Legal Lending Limit (BMPK).
yang melanggar ketentuan atau melebihi Batas Maksimum
Pemberian Kredit (BMPK).
Nama dan Sifat Hubungan Berelasi Names and Nature of Relationships
Seluruh transaksi dengan pihak berelasi dilaksanakan All transactions with related parties are conducted in
sesuai dengan ketentuan POJK No. 42/POJK.04/2020 accordance with POJK No. 42/POJK.04/2020 concerning
tentang Transaksi Afiliasi dan Benturan Kepentingan pada Affiliated Transactions and Conflicts of Interest in Certain
Transaksi Tertentu, serta mengacu pada PSAK No. 224 Transactions, and refer to PSAK No. 224, Related Party
tentang “Pengungkapan Pihak-pihak Berelasi”. Disclosures.
Rincian mengenai pihak-pihak yang berelasi dengan Bank, Details of the Bank’s related parties, including the nature
termasuk sifat hubungan dan nilai transaksi yang telah of the relationships and the value of transactions as of
dilakukan hingga 31 Desember 2025, disajikan sebagai December 31, 2025, are presented as follows:
berikut:
Pihak Berelasi Sifat Relasi Jenis Transaksi
Related Parties Nature of Relationships Type of Transaction
Industrial Bank of Korea Pemegang saham pengendali Giro pada bank lain, simpanan dari bank lain, pinjaman yang
Controlling Shareholder diterima, tagihan lainnya, pendapatan bunga yang masih akan
diterima, beban bunga yang masih harus dibayar, pendapatan
bunga dan beban bunga.
Current accounts with other banks; deposits from other banks;
borrowings; other receivables; accrued interest income; accrued
interest expense; interest income; and interest expense.
Dewan Komisaris, Direksi, Personel Manajemen Kunci Kredit yang diberikan, simpanan dari nasabah, pendapatan bunga
Komite Audit, dan Manajemen Key Management Personnel yang masih akan diterima, beban bunga yang masih harus dibayar,
Kunci pendapatan bunga, beban bunga, dan beban tenaga kerja dan
Board of Commissioners, tunjangan.
Board of Directors, Audit Loans; deposits from customers; accrued interest income; accrued
Committee, and Key interest expense; interest income; interest expense; and personnel
Management expenses and benefits.
Realisasi Transaksi Pihak Berelasi Disclosure of Related-Party Transactions
Seluruh transaksi dengan pihak-pihak berelasi diungkapkan All transactions with related parties are transparently
secara transparan dalam Catatan atas Laporan Keuangan disclosed in Note 27 to the Financial Statements in the
(CALK) No. 27 pada Laporan Keuangan Tahunan PT Bank Annual Financial Statements of PT Bank IBK Indonesia Tbk
IBK Indonesia Tbk untuk tahun buku yang berakhir 31 for the fiscal year ended December 31, 2025. Details of
Desember 2025. Secara rinci, saldo dan nilai transaksi the balance and transaction amounts with related parties
dengan pihak-pihak berelasi diuraikan sebagai berikut: are as follows:
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
(dalam jutaan Rupiah | in millions of Rupiah)
2025 2024
Persentase Persentase
Terhadap Terhadap
Jumlah Jumlah Aset Jumlah Jumlah Aset
Total Percentage to Total Percentage to
total assets total assets
(%) (%)
Aset
Assets
Giro pada bank lain
1.139 0,00 - 0,00
Current accounts with otherbank
Kredit yang diberikan
2.348 0,01 1.946 0,01
Loans
Tagihan lainnya
3.546.201 15,15 3.464.974 17,27
Other receivables
Aset lain-lain - Pendapatan bunga yang
masih akan diterima
10.709 0,05 14.327 0,07
Other assets - Accrued interest
income
Jumlah
3.560.397 3.481.247
Total
Liabilitas
Liabilities
Simpanan dari nasabah
13.742 0,08 16.747 0,12
Deposits from customers
Simpanan dari bank lain
5.723 0,03 - 0,00
Deposits from other banks
Pinjaman yang diterima
3.335.000 18,96 3.219.000 22,23
Borrowings
Pendapatan diterima di muka
17.416 0,10 16.700 0,12
Unearned income
Liabilitas lain-lain - Beban bunga yang
masih harus dibayar
30.225 0,17 53.365 0,37
Other liabilities - Accrued interest
expenses
Jumlah
3.402.106 3.305.812
Total
Pendapatan bunga
196.660 14,31 276.685 20,22
Interest income
Beban bunga
179.970 22,37 218.237 27,72
Interest expenses
Transaksi Pihak Berelasi yang Related Party Transactions Generating
Menghasilkan Pendapatan Usaha dan Operating Income and Carried Out
Dijalankan secara Rutin, Berulang, dan/ Regularly, Repeatedly, and/or Continuously
atau Berkelanjutan
Sepanjang tahun 2025, seluruh transaksi yang dilakukan Throughout 2025, transactions conducted by the Bank
Bank dengan pihak berelasi tidak termasuk dalam kegiatan with related parties were not part of routine revenue-
operasional rutin yang bertujuan menghasilkan pendapatan. generating operational activities. These transactions were
Transaksi-transaksi tersebut bersifat insidental dan tidak incidental in nature and were not carried out on a recurring
dijalankan secara berulang, rutin, maupun berkelanjutan. or ongoing basis.
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
Transaksi Pihak Berelasi yang Related Party Transactions Requiring
Membutuhkan Persetujuan dari Pemegang Approval from Independent Shareholders
Saham Independen
Tidak terdapat transaksi dengan pihak berelasi yang There were no related party transactions during the year
dilakukan Bank yang membutuhkan persetujuan dari that required approval from Independent Shareholders.
Pemegang Saham Independen.
Pernyataan Direksi bahwa Transaksi telah Statement from the Board of Directors
Memenuhi Prosedur Memadai dan Sesuai confirming that the transaction has been
Praktik Bisnis yang Berlaku Umum conducted in accordance with adequate
procedures and generally accepted
business practices.
Direksi menegaskan bahwa seluruh transaksi keuangan yang The Board of Directors confirms that all financial
dilakukan oleh Bank dengan pihak afiliasi dan/atau pihak transactions with affiliated and/or related parties have
berelasi telah melalui mekanisme pengendalian internal yang undergone adequate internal control processes. These
memadai. Prosedur ini dirancang untuk memastikan setiap procedures are designed to ensure that each transaction is
transaksi dilakukan sesuai praktik bisnis yang berlaku umum, conducted in accordance with generally accepted business
menerapkan prinsip kewajaran (arm’s-length principle), practices, applies the arm’s length principle, and aligns
serta selaras dengan kepentingan Bank dan para pemangku with the interests of the Bank and its stakeholders. Through
kepentingan. Dengan pendekatan tersebut, Bank memastikan this approach, the Bank ensures that all transactions are
bahwa setiap transaksi dilaksanakan secara transparan, carried out transparently, objectively, and responsibly, while
objektif, dan dapat dipertanggungjawabkan, sekaligus minimizing the risk of conflicts of interest.
meminimalkan potensi risiko benturan kepentingan.
Peran Dewan Komisaris dan Komite Audit The Role of the Board of Commissioners
untuk Memastikan Transaksi Dilakukan and the Audit Committee in Ensuring
sesuai Praktik Bisnis yang Berlaku Umum Transactions are Conducted in Accordance
dan Memenuhi Prinsip Transaksi yang with Generally Accepted Business Practices
Wajar (arms-length principle) and Fulfill the Arms-length Principle
Dewan Komisaris memegang peran strategis sebagai The Board of Commissioners plays a strategic role
pengawas implementasi GCG dan integritas operasional in overseeing the implementation of Good Corporate
Bank. Dalam setiap proses pengambilan keputusan, Dewan Governance (GCG) and maintaining the integrity of the
Komisaris memastikan bahwa seluruh transaksi dijalankan Bank’s operations. In all decision-making processes, the
sesuai praktik bisnis yang berlaku umum dan berlandaskan Board of Commissioners ensures that transactions are
prinsip transaksi yang wajar (arms-length principle). conducted in accordance with generally accepted business
practices and adhere to the arm’s length principle.
Sebagai organ pendukung Dewan Komisaris, Komite Audit As a supporting organ of the Board of Commissioners, the
berperan aktif dalam meninjau setiap transaksi material dan Audit Committee plays an active role in reviewing material
pihak terkait secara cermat. Komite Audit tidak hanya menilai transactions and related party activities. The Committee not
aspek angka dan dokumen, tetapi juga memastikan setiap only examines financial figures and supporting documentation
proses bisnis mencerminkan objektivitas, transparansi, dan but also ensures that all business processes reflect objectivity,
kewajaran. Melalui mekanisme review yang ketat ini, Dewan transparency, and fairness. Through this robust review
Komisaris dan Komite Audit bersama-sama menciptakan mechanism, the Board of Commissioners and the Audit
pengawasan yang efektif, menjaga integritas operasional, Committee work together to ensure effective oversight, uphold
serta memperkuat kepercayaan pemangku kepentingan. operational integrity, and strengthen stakeholder trust.
Dengan kombinasi pengawasan strategis dan evaluasi Through a combination of strategic oversight and
independen, Bank memastikan bahwa setiap transaksi independent evaluation, the Bank ensures that each
tidak sekadar memenuhi kepatuhan formal, tetapi juga transaction not only complies with regulatory requirements
mencerminkan komitmen terhadap praktik bisnis yang etis but also reflects a commitment to ethical and sustainable
dan berkelanjutan. Bank juga secara konsisten mematuhi business practices. The Bank also consistently adheres to
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Analisis dan Pembahasan Manajemen • Management Discussion and Analysis
ketentuan perundang-undangan yang berlaku, khususnya applicable laws and regulations, particularly those governing
terkait transaksi material dan transaksi yang berpotensi material transactions and transactions with potential
menimbulkan benturan kepentingan. Untuk transaksi dengan conflicts of interest. For such transactions, approval from
kategori tersebut, persetujuan pemegang saham independen independent shareholders through a General Meeting of
melalui RUPS wajib diperoleh, sehingga menambahkan Shareholders (GMS) is required, providing an additional
lapisan tata kelola yang lebih kuat dan memastikan layer of governance and safeguarding the interests of all
kepentingan seluruh pemangku kepentingan terlindungi. stakeholders.
Komitmen dan Kontinjensi
Commitments and Contigencies
Bank terus berupaya menjaga stabilitas keuangan dan The Bank continues to maintain financial stability and
kelancaran operasional melalui manajemen komitmen operational continuity through effective management of
dan kontinjensi yang efektif. Dengan mematuhi standar commitments and contingencies. By adhering to applicable
akuntansi dan prinsip pengungkapan yang berlaku, Bank accounting standards and disclosure principles, the Bank
memastikan seluruh komitmen baik jangka pendek maupun ensures that all commitments, both short-term and long-
jangka panjang dikelola secara cermat dan transparan. term, are managed prudently and transparently.
Informasi terkait komitmen dan kontinjensi yang dimiliki Information regarding the Bank’s commitments and
Bank diungkapkan sebagai berikut: contingencies is presented as follows:
(dalam jutaan Rupiah | in millions of Rupiah)
Pertumbuhan (Penurunan)
Uraian Growth (Decrease)
2025 2024
Description Nominal
%
(Rp | IDR)
Komitmen
Commitments
Tagihan Komitmen
Commitment Receivables
Pembelian spot dan forward yang masih berjalan
1.264.244 1.608.874 (344.630) (21,42)
Unsettled spot and forward bought
Liabilitas Komitmen
Commitment Payables
Fasilitas kredit kepada nasabah yang belum
digunakan (2.610.075) (2.782.576) 172.501 6,20
Unused loan facilities
Irrevocable letter of credit yang masih berjalan
(343.818) (242.286) (70,47)
Outstanding irrevocable letters of credit (101.532)
Penjualan spot dan derivatif yang masih berjalan
(1.609.500) (350.431) (21,77)
Unsettled spot and forward sold (1.259.069)
Kontinjensi
Contingencies
Tagihan Kontinjensi
Contingencies Receivables
Pendapatan bunga dalam penyelesaian
32.726 50.852 (18.126) (35,64)
Interest income on progress
Liabilitas Kontinjensi
Contingencies Payables
Garansi yang diterbitkan
(46.548) (63.679) (17.131) (26,90)
Guarantees issued
Bersih
(2.720.254) (3.139.847) (419.593) (13,36)
Net
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 189
Page 190
Analisis dan Pembahasan Manajemen • Management Discussion and Analysis Bank menentukan cadangan kerugian penurunan nilai The Bank determines the allowance for impairment komitmen dan kontinjensi atas bank garansi dan fasilitas losses on commitments and contingencies—such as kredit yang belum digunakan berdasarkan selisih antara bank guarantees and unused credit facilities—based biaya perolehan diamortisasi (nilai tercatat) dan nilai on the difference between the amortized cost (carrying kini pembayaran liabilitas yang diharapkan akan terjadi amount) and the present value of expected payments when (ketika pembayaran atas jaminan tersebut menjadi besar obligations under the guarantee become probable. kemungkinan terjadinya). Pada tanggal 31 Desember 2025 dan 2024, Bank tidak As of December 31, 2025 and 2024, the Bank had no memiliki transaksi atas komitmen dan kontinjensi kepada transactions related to commitments and contingencies pihak berelasi. with related parties. Informasi Transaksi Terkait Investasi, Ekspansi, Divestasi, Penggabungan Usaha, Akuisisi, dan Restrukturisasi Information on Transactions Related to Investments, Expansions, Divestments, Business Mergers, Acquisitions, and Restructuring Sepanjang tahun 2025, Bank tidak melakukan aktivitas Throughout 2025, the Bank did not undertake any investasi, ekspansi, divestasi, penggabungan usaha, investment, expansion, divestment, merger, acquisition, or akuisisi, dan/atau restrukturisasi utang. debt restructuring activities. Transaksi-Transaksi Penting Lainnya dalam Jumlah yang Signifikan Other Significant Transactions Pada tahun 2025, Bank tidak melakukan transaksi material In 2025, the Bank did not engage in any other material lainnya yang berdampak signifikan terhadap posisi transactions that would have had a significant impact keuangan maupun kinerja operasional Bank. Seluruh on its financial position or operational performance. All aktivitas usaha yang berjalan tetap berada dalam koridor business activities were conducted within normal operating operasional normal dan tidak terdapat aksi korporasi atau parameters, and there were no corporate actions or other transaksi penting lain yang memerlukan pengungkapan significant transactions requiring specific disclosure. khusus. Informasi Keuangan yang Telah Dilaporkan yang Mengandung Kejadian yang Sifatnya Luar Biasa dan Jarang Terjadi Reported Financial Information Containing Extraordinary and Rare Events Sepanjang tahun 2025, tidak terdapat informasi keuangan Throughout 2025, there were no extraordinary financial yang bersifat luar biasa maupun kejadian yang jarang terjadi events or rare occurrences requiring specific disclosure in yang perlu diungkapkan secara khusus dalam laporan the Bank’s financial statements. keuangan Bank. 190 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 191
Analisis dan Pembahasan Manajemen • Management Discussion and Analysis Perubahan Peraturan Perundang-Undangan yang Berpengaruh Signifikan terhadap Perusahaan Changes Iin Laws and Regulations with Significant Impact on the Company Pada tahun 2025, tidak terdapat perubahan pada sejumlah In 2025, their ware no changes in laws and regulations had peraturan dan perundang-undangan yang memberikan a significant impact on the Bank’s business activities. dampak signifikan terhadap kegiatan usaha Bank. Perubahan Kebijakan Akuntansi dan Dampaknya yang Diterapkan di Tahun 2025 Changes in Accounting Policies and Their Impact Implemented in 2025 Dewan Standar Akuntansi Keuangan (DSAK) telah The Financial Accounting Standards Board (DSAK) has menerbitkan sejumlah standar akuntansi keuangan baru issued several new financial accounting standards and beserta interpretasinya yang mulai berlaku efektif pada related interpretations, effective January 1, 2025. The 1 Januari 2025. Penerapan standar-standar baru ini implementation of these standards has implications for membawa implikasi terhadap proses penyusunan dan the preparation and presentation of the Bank’s financial penyajian laporan keuangan Bank, khususnya terkait statements, particularly in terms of the recognition, pengakuan, pengukuran, dan pengungkapan transaksi measurement, and disclosure of certain financial keuangan tertentu. transactions. Adapun standar dan interpretasi yang dimaksud antara lain: These standards and interpretations include: Perubahan terhadap SAK Dampak terhadap Penyajian Laporan Keuangan Amendments to Financial Accounting Standards Impact on the Presentation of Financial Statements PSAK No. 117 (sebelumnya PSAK No. 74) tentang “Kontrak Asuransi”. PSAK No. 117 (previously PSAK No. 74), “Insurance Contracts”. Amendemen PSAK No. 117 (sebelumnya PSAK No. 74) tentang “Kontrak Asuransi - Penerapan Awal PSAK No. 117 dan PSAK No. 109 (sebelumnya PSAK No. 71) - Informasi Komparatif”. Tidak berdampak signifikan Amendment to PSAK No. 117 (previously PSAK No. 74), “Insurance terhadap Laporan Keuangan Bank. Contracts – Initial Application of PSAK No. 117 and PSAK No. 109 Has no significant impact (previously PSAK No. 71) – Comparative Information”. on the Bank’s financial statements. Amendemen PSAK No. 221 (sebelumnya PSAK No. 10) tentang “Pengaruh Perubahan Kurs Valuta Asing - Kekurangan Keterukaran”. Amendment to PSAK No. 221 (previously PSAK No. 10), “The Effects of Changes in Foreign Exchange Rates – Lack of Exchangeability”. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 191
Page 192
Tata Kelola Perusahaan Good Corporate Governance
Page 193
’’
Dengan penerapan
tata kelola yang
kuat, Bank memiliki
kerangka dan
koridor yang jelas
dalam berinovasi dan
bertumbuh
Through the implementation of
strong corporate governance,
the Bank has a clearly defined
framework and guidelines for
innovation and growth
Page 194
Tata Kelola Perusahaan • Good Corporate Governance Komitmen Penerapan Tata Kelola Perusahaan yang Baik Commitment to Implementing Good Corporate Governance Bank IBK Indonesia memiliki komitmen yang kuat dan Bank IBK Indonesia has a strong and ongoing commitment berkelanjutan dalam menerapkan Tata Kelola Perusahaan to implementing Good Corporate Governance (GCG) yang Baik (Good Corporate Governance/”GCG”) sebagai as the primary foundation for conducting its business landasan utama dalam menjalankan kegiatan usaha. activities. This commitment is realized through the Komitmen ini diwujudkan melalui penerapan prinsip consistent application of the principles of transparency, transparansi, akuntabilitas, responsibilitas, independensi, accountability, responsibility, independence, and fairness serta kewajaran (fairness) secara konsisten di seluruh across all levels of the organization. jenjang organisasi. Sebagai lembaga perbankan, Bank IBK Indonesia menyadari As a banking institution, Bank IBK Indonesia recognizes bahwa penerapan GCG merupakan faktor krusial dalam that GCG implementation is a crucial factor in maintaining menjaga stabilitas sistem keuangan, melindungi kepentingan financial system stability, protecting customer interests, nasabah, serta mengelola risiko secara prudent sesuai and prudently managing risks in accordance with regulatory dengan ketentuan regulator. Oleh karena itu, Bank secara requirements. Therefore, the Bank consistently complies konsisten mematuhi seluruh peraturan perundang-undangan with all applicable laws and regulations, including those yang berlaku, termasuk ketentuan yang ditetapkan oleh OJK stipulated by the Financial Services Authority (OJK) and dan otoritas terkait lainnya, serta mengintegrasikan prinsip other relevant authorities, and integrates prudential banking kehati-hatian (prudential banking principles) dalam setiap principles into all business decisions. pengambilan keputusan bisnis. Di sisi lain, sebagai perusahaan terbuka, Bank juga Furthermore, as a public company, the Bank also prioritizes menempatkan keterbukaan informasi dan perlindungan information transparency and protecting the interests of terhadap kepentingan pemegang saham serta pemangku shareholders and other stakeholders. The Bank ensures kepentingan lainnya sebagai prioritas utama. Bank accurate, complete, and timely information delivery memastikan penyampaian informasi yang akurat, lengkap, through financial reports, annual reports, and various other dan tepat waktu melalui laporan keuangan, laporan disclosures, to support market confidence and maintain tahunan, serta berbagai keterbukaan informasi lainnya, capital market integrity. guna mendukung terciptanya kepercayaan pasar dan menjaga integritas pasar modal. Penerapan GCG di lingkup Bank juga didukung oleh The implementation of GCG within the Bank is also struktur tata kelola yang efektif, termasuk peran aktif supported by an effective governance structure, including Dewan Komisaris dan Direksi, keberadaan komite-komite the active role of the Board of Commissioners and Board pendukung, sistem pengendalian internal yang memadai, of Directors, the existence of supporting committees, an serta fungsi manajemen risiko, kepatuhan, dan audit internal adequate internal control system, and independent and yang berjalan secara independen dan objektif. Seluruh objective risk management, compliance, and internal audit elemen tersebut dirancang untuk memastikan bahwa functions. All of these elements are designed to ensure that kegiatan usaha Bank dilaksanakan secara berkelanjutan, the Bank's business activities are conducted sustainably, sehat, dan bertanggung jawab. healthily, and responsibly. Melalui penerapan GCG secara menyeluruh dan Through the comprehensive and continuous implementation berkesinambungan, Bank berupaya menciptakan nilai of GCG, the Bank strives to create long-term value for jangka panjang bagi pemegang saham, meningkatkan shareholders, enhance customer and investor confidence, kepercayaan nasabah dan investor, serta memberikan and positively contribute to the stability and growth of the kontribusi positif terhadap stabilitas dan pertumbuhan national banking industry. industri perbankan nasional. 194 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Pedoman Pelaksanaan Tata Kelola
Perusahaan yang Baik
Good Corporate Governance Implementation Guidelines
Pedoman pelaksanaan GCG di Bank disusun dengan The guidelines for implementing GCG in the Bank are
mengacu pada peraturan perundang-undangan di bidang prepared with reference to laws and regulations in the
perbankan dan pasar modal, ketentuan yang ditetapkan banking and capital market sectors, provisions stipulated
oleh OJK, serta pedoman dan praktik terbaik (best practices) by the OJK, as well as guidelines and best practices that
yang berlaku secara nasional maupun internasional, antara apply nationally and internationally, including:
lain:
Pedoman Tata Kelola
No.
Governance Guidelines
Undang-Undang
Constitution
1. Undang-Undang No. 40 Tahun 2007 tentang Perseroan Terbatas.
Law No. 40 of 2007 on Limited Liability Companies
2. Undang-Undang No. 7 Tahun 1992 tentang Perbankan sebagaimana telah diubah dengan Undang-Undang No. 10 Tahun
1998.
Law No. 7 of 1992 on Banking, as amended by Law No. 10 of 1998
3. Undang-Undang No. 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan.
Law No. 4 of 2023 on Development and Strengthening of Financial Sector
Peraturan Otoritas Jasa Keuangan (POJK) dan Surat Edaran Otoritas Jasa Keuangan (SEOJK)
Financial Services Authority Regulations (POJK) and Financial Services Authority Circulars (SEOJK):
1. POJK No. 17 Tahun 2023 tentang Penerapan Tata Kelola bagi Bank Umum.
POJK No. 17 of 2023 on Governance Implementation for Commercial Banks.
2. POJK No. 21/POJK.04/2015 tentang Penerapan Pedoman Tata Kelola Perusahaan Terbuka.
POJK No. 21/POJK.04/2015 on Implementation of Governance Guidelines for Public Companies.
3. POJK No. 29/POJK.04/2016 tentang Laporan Tahunan Emiten atau Perusahaan Publik.
POJK No. 29/POJK.04/2016 on Annual Report of Issuers or Public Companies.
4. POJK No. 4/POJK.03/2016 tentang Penilaian Tingkat Kesehatan Bank Umum.
POJK No. 4/POJK.03/2016 on Soundness Level Assessment of Commercial Banks.
5. POJK No. 8/POJK.04/2015 tentang Situs Web Emiten atau Perusahaan Publik.
POJK No. 8/POJK.04/2015 on Website of Issuers or Public Companies.
6. POJK No. 31/POJK.04/2015 tentang Keterbukaan atas Informasi atau Fakta Material oleh Emiten atau Perusahaan Publik.
POJK No. 31/POJK.04/2015 on Disclosure of Material Information or Facts by Issuers or Public Companies.
7. POJK No. 33/POJK.04/2014 tentang Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik.
POJK No. 33/POJK.04/2014 on the Board of Directors and Board of Commissioners of Issuers or Public Companies.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 195
Page 196
Tata Kelola Perusahaan • Good Corporate Governance
Pedoman Tata Kelola
No.
Governance Guidelines
8. POJK No. 35/POJK.04/2014 tentang Sekretaris Perusahaan Emiten atau Perusahaan Publik
POJK No. 35/POJK.04/2014 on Corporate Secretary of Issuers or Public Companies.
9. POJK No. 56/POJK.04/2015 tentang Pembentukan dan Pedoman Penyusunan Piagam Unit Audit Internal.
POJK No. 56/POJK.04/2015 on the Establishment and Guidelines for the Preparation of Internal Audit Unit Charter.
10. POJK No. 55/POJK.04/2015 tentang Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit.
POJK No. 55/POJK.04/2015 on Establishment and Work Implementation Guidelines of Audit Committee.
11. POJK No. 34/POJK.04/2014 tentang Komite Nominasi dan Remunerasi Emiten atau Perusahaan Publik.
POJK No. 34/POJK.04/2014 on Nomination and Remuneration Committee of Issuers or Public Companies.
12. POJK No. 11/POJK.04/2017 tentang Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Saham Perusahaan Terbuka.
POJK No. 11/POJK.04/2017 on Report of Ownership or Any Changes in Share Ownership of Public Companies.
13. POJK No. 15/POJK.04/2020 tentang Rencana dan Penyelenggaraan Rapat Umum Pemegang Saham Perusahaan Terbuka.
POJK No. 15/POJK.04/2020 on the Plan and Implementation of General Meeting of Shareholders of Public Companies.
14. SEOJK No. 32/SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan Terbuka.
SEOJK No. 32/SEOJK.04/2015 concerning the Guidelines on the Governance of Public Companies.
15. SEOJK No. 16/SEOJK.04/2021 tentang Bentuk dan Isi Laporan Tahunan Emiten atau Perusahaan Publik.
SEOJK No. 16/SEOJK.04/2021 concerning the Form and Content of Annual Reports of Issuers or Public Companies.
16. POJK No. 12 Tahun 2024 tentang Penerapan Strategi Anti Fraud bagi Lembaga Jasa Keuangan
POJK No. 12 of 2024 concerning the Implementation of Anti-Fraud Strategies for Financial Services Institutions.
17. POJK No. 15 Tahun 2024 tentang Integritas Pelaporan Keuangan Bank.
POJK No. 15 of 2024 on Integrity of Financial Reporting of the Bank.
18. POJK No. 18 Tahun 2025 tentang Transparansi dan Publikasi Laporan Bank
POJK No. 18 of 2025 on Transparency and Publication of Bank Reports.
19. SEOJK No. 29/SEOJK.03/2025 tentang Transparansi dan Publikasi Laporan Bank Umum Konvensional
SEOJK No. 29/SEOJK.03/2025 on Transparency and Publication of Reports of Conventional Commercial Banks.
20. SEOJK No. 14/SEOJK.03/2025 tentang Penerapan Tata Kelola Bagi Bank Umum
SEOJK No. 14/SEOJK.03/2025 on Governance Implementation for Commercial Banks.
Panduan Nasional
National Guidelines
1. Pedoman Umum Governansi Korporat Indonesia (PUGKI) yang dikembangkan oleh Komite Nasional Kebijakan Governance.
General Guidelines for Indonesian Corporate Governance (PUGKI) developed by the National Committee on Governance
Policy
Tujuan Penerapan Tata Kelola Perusahaan
yang Baik
Purposes of Good Corporate Governance Implementation
Implementasi GCG di Bank bertujuan untuk mencapai The guidelines for implementing GCG in the Bank are
bisnis yang berkelanjutan (sustainable business) dan terus prepared with reference to laws and regulations in the
bertumbuh (growing business). Untuk memastikan kedua banking and capital market sectors, provisions stipulated
sasaran tersebut dapat diwujudkan secara optimal, Bank by the OJK, as well as guidelines and best practices that
merumuskan implementasi GCG ke dalam 5 (lima) tujuan apply nationally and internationally, including:
utama sebagai berikut:
196 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Tujuan
No.
Purposes
1. Mendukung pencapaian Visi, Misi, dan Nilai-Nilai Perusahaan.
Support the achievement of the Company's Vision, Mission, and Values.
2. Meningkatkan nilai tambah Bank melalui penerapan pilar-pilar tata kelola, yakni Perilaku Beretika, Akuntabilitas, Transparansi,
dan Keberlanjutan dalam melaksanakan bisnis. Dengan demikian, Bank memiliki daya saing yang kuat, baik di tingkat nasional
maupun regional, serta menjamin kelangsungan usaha Bank dalam jangka panjang.
Increase the Bank's added value by applying pillars of governance, namely Ethical Conduct, Accountability, Transparency, and
Sustainability in conducting its business. Thus, the Bank has strong competitiveness, both at the national and regional levels, and
guarantees the Bank's business continuity in the long term.
3. Meningkatkan manajemen organisasi secara lebih profesional, transparan, dan efisien. Dengan melaksanakan tata kelola secara
konsisten dalam setiap kegiatan Bank, maka kepentingan seluruh pemangku kepentingan guna mencapai kinerja terbaik dapat
terpenuhi.
Improve the organizational management in a more professional, transparent, and efficient manner. By consistently implementing
governance in every Bank activity, the interests of all stakeholders in order to achieve the best performance can be fulfilled.
4. Mendorong setiap organ Bank untuk selalu menekankan budaya tata kelola dalam setiap pengambilan keputusan yang dilandasi
nilai dan norma yang berlaku serta tingkat kepatuhan yang tinggi terhadap peraturan perundang-undangan yang berlaku.
Encourage every organ of the Bank to continuously emphasize governance culture in every decision making, based on the
applicable values and norms and a high level of compliance with the applicable laws and regulations.
5. Meningkatkan kepercayaan investor sekaligus menjadikan Bank sebagai pilihan utama masyarakat.
Increase investor confidence as well as make the Bank the public's first choice.
Implementasi Pilar GCG pada Bank
Implementation of Governance Pillars at the Bank
Sebagai bentuk komitmen dalam menerapkan GCG, As a commitment to implementing GCG, the Bank
Bank secara konsisten mengimplementasikan pilar-pilar consistently implements the pillars of GCG in accordance
GCG sesuai dengan ketentuan POJK 17/2023 tentang with the provisions of POJK 17/2023 concerning the
Penerapan Tata Kelola bagi Bank Umum. Penerapan GCG Implementation of Governance for Commercial Banks.
di Bank mengacu pada prinsip TARIF, yaitu Transparency, The Bank's GCG implementation adheres to the TARIF
Accountability, Responsibility, Independency, dan principles of Transparency, Accountability, Responsibility,
Fairness, yang menjadi landasan utama dalam setiap Independence, and Fairness, which serve as the primary
pengambilan keputusan dan pelaksanaan kegiatan usaha. foundation for all decision-making and business activities.
Kelima prinsip TARIF tersebut diterapkan secara These five TARIF principles are applied in an integrated
terintegrasi dan berkelanjutan dalam seluruh aspek tata and sustainable manner across all aspects of governance,
kelola, mulai dari struktur organisasi, proses bisnis, hingga from organizational structure and business processes to
pengelolaan risiko dan kepatuhan. Adapun implementasi risk management and compliance. The implementation of
prinsip TARIF dalam penerapan GCG di Bank dijabarkan the TARIF principles in the Bank's GCG implementation is
sebagai berikut: outlined as follows:
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 197
Page 198
Tata Kelola Perusahaan • Good Corporate Governance
Prinsip GCG dan Uraian Penerapan di Bank
GCG Principles and Description Implementation
Transparansi • Bank mengungkapkan informasi secara tepat waktu, akurat, memadai,
Keterbukaan dalam melaksanakan proses pengambilan jelas dan dapat diakses oleh pihak yang berkepentingan (stakeholder)
keputusan dan keterbukaan dalam mengungkapkan sesuai dengan kepentingan dan haknya.
informasi material dan relevan mengenai Bank. • Bank menjamin akurasi informasi material menyangkut kinerja operasi
Transparency dan kinerja keuangan, pengelolaan serta kepemilikan saham dan
Openness in implementing the decision-making process informasi lain-lain yang penting.
and openness in disclosing material and relevant • Bank memberikan informasi yang seluas-luasnya kepada publik dan
information regarding the Bank. pemegang saham melalui laporan secara berkala.
• Prinsip keterbukaan informasi tetap memperhatikan ketentuan
perundang-undangan beserta informasi rahasia Bank.
• The Bank discloses information in a timely, accurate, adequate, clear,
and accessible manner to stakeholders in accordance with their
interests and rights.
• The Bank guarantees the accuracy of material information regarding
operational and financial performance, management and share
ownership, and other important information.
• The Bank provides the broadest possible information to the public and
shareholders through periodic reports.
• The principle of information transparency adheres to statutory provisions
and maintains confidential Bank information.
Akuntabilitas • Bank menetapkan rincian tugas, wewenang, dan tanggung jawab
Kejelasan fungsi, pelaksanaan dan pertanggungjawaban masing-masing organ perusahaan secara jelas dan selaras dengan
organ perusahaan sehingga pengelolaan Bank terlaksana visi, misi, sasaran, dan strategi Perseroan sehingga tercipta suatu
secara efektif. keseimbangan pengurusan, pengelolaan, dan pengawasan Perseroan
Accountability secara efektif.
Clarity of the functions, implementation, and accountability • Bank harus meyakini bahwa masing-masing anggota Dewan Komisaris
of company organs ensures effective management of the dan Direksi maupun seluruh jajaran di bawahnya mempunyai kompetensi
Bank. sesuai dengan tanggung jawabnya dan memahami perannya dalam
pelaksanaan Tata Kelola Perusahaan.
• The Bank clearly defines the duties, authorities, and responsibilities of
each corporate organ in alignment with the Company's vision, mission,
objectives, and strategies to create a balance in effective management,
administration, and supervision of the Company.
• The Bank must ensure that each member of the Board of Commissioners
and Board of Directors, as well as all subordinate staff, has the
competency to fulfill their responsibilities and understands their role in
implementing Corporate Governance.
Pertanggungjawaban • Bank memiliki kebijakan pokok dalam mengelola Perseroan yang disusun
Kesesuaian di dalam pengelolaan Bank terhadap ketentuan berdasarkan Anggaran Dasar dan perundang-undangan yang berlaku.
peraturan perundang-undangan dan prinsip korporasi yang • Bank berpegang pada prinsip kehati-hatian (prudential) dan menjamin
sehat. kepatuhan terhadap peraturan yang berlaku.
Responsibility • The Bank has a basic policy for managing the Company, which is
Compliance in Bank management with statutory provisions formulated based on the Articles of Association and applicable laws and
and sound corporate principles. regulations.
• The Bank adheres to the principle of prudence and guarantees
compliance with applicable regulations.
Independensi
Keadaan di mana Bank dikelola secara profesional tanpa Bank melaksanakan tugas dan fungsinya dengan mengutamakan
benturan kepentingan dan pengaruh/tekanan dari pihak independensi agar bebas dari pengaruh oleh kepentingan pihak mana pun
mana pun yang tidak sesuai dengan ketentuan peraturan dalam pengambilan keputusan, bebas dari benturan kepentingan (conflict of
perundang-undangan dan prinsip korporasi yang sehat. interest) sehingga keputusan yang diambil dapat dilakukan secara objektif.
Independence
A condition in which a Bank is managed professionally The Bank carries out its duties and functions by prioritizing independence to
without conflicts of interest and influence/pressure from ensure that decision-making is free from influence by any party's interests,
any party that is inconsistent with statutory provisions and free from conflicts of interest, and allows for objective decision-making.
sound corporate principles.
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Tata Kelola Perusahaan • Good Corporate Governance
Prinsip GCG dan Uraian Penerapan di Bank
GCG Principles and Description Implementation
Kewajaran • Bank memberikan perlakuan yang setara dan wajar (equal treatment)
Keadilan dan kesetaraan di dalam memenuhi hak kepada para stakeholders dalam memenuhi haknya sesuai dengan
pemangku kepentingan yaitu timbul berdasarkan perjanjian manfaat dan kontribusi yang diberikan kepada Perseroan.
dan ketentuan perundang-undangan. • Bank memberikan kesempatan kepada seluruh stakeholders untuk
Fairness memberikan masukan dan menyampaikan pendapat bagi kepentingan
Fairness and equality in fulfilling stakeholder rights arise Perseroan serta membuka akses terhadap informasi sesuai dengan
from agreements and statutory provisions. prinsip keterbukaan.
• The Bank provides equal and fair treatment to stakeholders, fulfilling their
rights in accordance with the benefits and contributions they provide to
the Company.
• The Bank provides all stakeholders with the opportunity to provide
input and express opinions for the benefit of the Company and provides
access to information in accordance with the principle of transparency.
Selain menerapkan prinsip-prinsip GCG sebagaimana In addition to implementing the GCG principles outlined
telah diuraikan sebelumnya, Bank juga mengadopsi 4 above, the Bank has also adopted four main pillars of
(empat) pilar utama corporate governance sebagaimana corporate governance as outlined in the General Guidelines
tercantum dalam Pedoman Umum Governansi Korporat for Indonesian Corporate Governance (PUGKI) issued by
Indonesia (PUGKI) yang diterbitkan oleh Komite Nasional the National Committee for Governance Policy (KNKG).
Kebijakan Governance (KNKG).
Penerapan pilar-pilar corporate governance ini diarahkan The implementation of these pillars of corporate governance
untuk memastikan keseimbangan peran dan tanggung is aimed at ensuring a balance of roles and responsibilities
jawab antar organ perusahaan, meningkatkan kualitas across company organs, improving the quality of decision-
pengambilan keputusan, serta memperkuat kepercayaan making, and strengthening stakeholder trust in the Bank.
pemangku kepentingan terhadap Bank.
Penjelasan lebih lanjut mengenai masing-masing pilar A further explanation of each pillar is presented below:
disajikan sebagai berikut:
Prinsip GCG Penerapan di Lingkungan Bank
GCG Principles Implementation
Perilaku Beretika Dalam menjalankan setiap kegiatan usaha, Bank senantiasa mengedepankan kejujuran, memperlakukan
Ethical Conduct seluruh pihak dengan hormat, memenuhi komitmen, serta membangun dan menjaga nilai-nilai moral dan
kepercayaan secara konsisten. Bank juga senantiasa memperhatikan kepentingan Pemegang Saham
dan pemangku kepentingan lainnya berdasarkan asas kewajaran dan kesetaraan serta memastikan
pengelolaan berjalan independen sehingga masing-masing organ Bank tidak saling mendominasi dan
tidak dapat diintervensi oleh pihak lain.
In carrying out every business activity, the Bank always prioritizes honesty, treats all parties with respect,
fulfills its commitments, and consistently builds and maintains moral values and beliefs. The Bank also
pays attention to the interests of Shareholders and other stakeholders based on the principle of fairness
and equality, and ensures that each Bank organ is managed independently so that it does not dominate
the other and cannot be intervened by other parties.
Akuntabilitas Bank dapat mempertanggungjawabkan kinerjanya secara transparan dan wajar. Oleh karena itu,
Accountability pengelolaan Bank senantiasa dijalankan secara benar, terukur, dan sesuai kepentingan Bank
dengan tetap memperhitungkan kepentingan Pemegang Saham dan pemangku kepentingan lainnya.
Akuntabilitas ini menjadi salah satu pilar yang menjadi fondasi utama untuk mencapai kinerja yang
berkelanjutan.
The Bank is accountable for its performance in a transparent and fair manner. Thus, the Bank is always
managed properly, measurably, and in accordance with the Bank’s interests, while still considering the
interests of Shareholders and other stakeholders. Accountability is one of the pillars that becomes the
main foundation for achieving the sustainable performance.
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Tata Kelola Perusahaan • Good Corporate Governance
Transparansi Dalam menjaga objektivitas pengelolaan bisnis, Bank senantiasa menyediakan informasi yang material
Transparency dan relevan dengan cara yang mudah diakses dan dipahami oleh Pemegang Saham dan pemangku
kepentingan lainnya. Bank telah mengambil langkah inisiatif untuk mengungkapkan informasi yang tidak
hanya dipersyaratkan oleh peraturan perundang-undangan, melainkan informasi penting lainnya yang
dapat menunjang pengambilan keputusan oleh Pemegang Saham dan pemangku kepentingan lainnya.
In maintaining objectivity in business management, the Bank always provides relevant material information
that is easily accessible and understood by the Shareholders and other stakeholders. The Bank has
taken initiative steps to disclose information not only required by laws and regulations, but also other
important information that can support decision making by the Shareholders and other stakeholders.
Keberlanjutan Bank senantiasa mematuhi seluruh peraturan perundang-undangan yang berlaku serta berkomitmen
Sustainability untuk melaksanakan tanggung jawab terhadap masyarakat dan lingkungan agar dapat berkontribusi
pada pencapaian Tujuan Pembangunan Berkelanjutan melalui kerja sama dengan seluruh pemangku
kepentingan terkait. Langkah ini merupakan inisiatif strategis Bank untuk meningkatkan kualitas
kehidupan sekitar dengan cara yang selaras dengan kepentingan bisnis Bank dan agenda pembangunan
berkelanjutan.
The Bank always complies with all applicable laws and regulations and is committed to carrying out
its responsibilities towards the community and environment in order to contribute to achieving the
Sustainable Development Goals by working with all relevant stakeholders. This step is a strategic
initiative of the Bank to improve the quality of surrounding lives aligned with the Bank’s business
interests and sustainable development agenda.
Penilaian Penerapan GCG Bank
Assessment of Governance Implementation
Bank secara konsisten melakukan penilaian atas The Bank consistently assesses its GCG implementation as
penerapan GCG sebagai bagian dari upaya memastikan part of its efforts to ensure the quality of governance aligns
kualitas tata kelola yang selaras dengan ketentuan with regulatory requirements and supports sustainable
regulator serta mendukung keberlanjutan kinerja usaha. business performance. GCG implementation assessments
Penilaian penerapan GCG dilaksanakan melalui metode are conducted through periodic self-assessments, referring
self-assessment secara berkala dengan mengacu pada to the technical guidelines and indicators stipulated in
petunjuk teknis dan indikator yang diatur dalam SEOJK No. OJK Circular Letter No. 14/SEOJK.03/2017 ("SEOJK
14/SEOJK.03/2017 (“SEOJK 14/2017”) tentang Penilaian 14/2017") concerning the Assessment of the Soundness
Tingkat Kesehatan Bank Umum dan SEOJK No. 14/ Level of Commercial Banks and OJK Circular Letter No.
SEOJK.03/2025 (“SEOJK 14/2025”) tentang Penerapan 14/SEOJK.03/2025 ("SEOJK 14/2025") concerning
Tata Kelola Bagi Bank Umum. the Implementation of Good Corporate Governance for
Commercial Banks.
Melalui mekanisme self-assessment ini, Bank melakukan Through this self-assessment mechanism, the Bank
evaluasi menyeluruh terhadap pelaksanaan prinsip- conducts a comprehensive evaluation of the implementation
prinsip GCG pada seluruh aspek pengelolaan Bank, of GCG principles across all aspects of its management,
termasuk struktur dan proses tata kelola, efektivitas including governance structures and processes, the
fungsi pengawasan, manajemen risiko, kepatuhan, serta effectiveness of the supervisory function, risk management,
pengendalian internal. Penilaian dilakukan secara objektif compliance, and internal control. Assessments are
dan komprehensif dengan mempertimbangkan kecukupan conducted objectively and comprehensively, taking
kebijakan, konsistensi implementasi, serta kualitas into account the adequacy of policies, consistency of
penerapan GCG dalam kegiatan operasional sehari-hari. implementation, and the quality of GCG implementation in
daily operations.
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Tata Kelola Perusahaan • Good Corporate Governance
Hasil penilaian penerapan GCG menjadi dasar The results of the GCG implementation assessment serve as
bagi Manajemen dan organ tata kelola Bank untuk a basis for the Bank's Management and governance bodies
mengidentifikasi area yang memerlukan penguatan, to identify areas requiring strengthening, develop follow-up
menyusun rencana tindak lanjut, serta melakukan perbaikan plans, and undertake continuous improvement. With this
berkelanjutan (continuous improvement). Dengan approach, the Bank ensures that GCG implementation not
pendekatan ini, Bank memastikan bahwa penerapan GCG only meets regulatory compliance requirements but also
tidak hanya memenuhi aspek kepatuhan terhadap regulasi, provides added value by strengthening stakeholder trust,
tetapi juga memberikan nilai tambah dalam memperkuat maintaining business stability, and supporting the Bank's
kepercayaan pemangku kepentingan, menjaga stabilitas healthy and sustainable growth.
usaha, dan mendukung pertumbuhan Bank yang sehat dan
berkelanjutan.
Prosedur Penilaian Assessment Procedure
Penilaian penerapan GCG Bank dilakukan secara Governance assessment is carried out on 3 (three) main
terstruktur dan komprehensif dengan mencakup 3 (tiga) Governance aspects as described below:
aspek utama Tata Kelola (Governance) yang diuraikan
sebagai berikut:
1. Struktur Tata Kelola (Governance Structure) 1. Governance Structure
Penilaian governance structure bertujuan untuk A The governance structure assessment aims to
menilai kecukupan struktur dan infrastruktur tata assess the adequacy of the Bank's governance
kelola Bank agar proses penerapan prinsip Tata structure and infrastructure so that the process
Kelola yang Baik menghasilkan outcome yang sesuai of implementing Good Governance principles
dengan harapan Pemangku Kepentingan Bank. Yang produces outcomes that align with the expectations
termasuk dalam struktur tata kelola Bank adalah of the Bank's Stakeholders. The Bank's governance
Direksi, Dewan Komisaris, komite, dan satuan kerja structure includes the Board of Directors, Board of
pada Bank. Adapun yang termasuk infrastruktur tata Commissioners, committees, and work units within
kelola Bank, antara lain kebijakan dan prosedur Bank, the Bank. The Bank's governance infrastructure
sistem informasi manajemen serta tugas pokok dan includes, among other things, the Bank's policies and
fungsi masing-masing struktur organisasi. procedures, management information systems, and
the main duties and functions of each organizational
structure.
2. Proses Tata Kelola (Governance Process) 2. Governance Process
Penilaian proses tata kelola (governance process) The assessment of the governance process aims
bertujuan untuk menilai efektivitas proses penerapan to assess the effectiveness of the process of
prinsip Tata Kelola yang Baik yang didukung oleh implementing the principles of Good Governance
kecukupan struktur dan infrastruktur tata kelola Bank which is supported by the adequacy of the Bank's
sehingga menghasilkan outcome yang sesuai dengan governance structure and infrastructure so as to
harapan Pemangku Kepentingan Bank. produce outcomes that are in line with the expectations
of the Bank's Stakeholders.
3. Hasil Tata Kelola (Governance Outcome) 3. Governance Outcome
Penilaian penerapan hasil tata kelola (governance The assessment of the implementation of governance
outcome) bertujuan untuk menilai kualitas outcome outcomes aims to assess the quality of outcomes that
yang memenuhi harapan Pemangku Kepentingan meet the expectations of Bank Stakeholders which
Bank yang merupakan hasil proses penerapan prinsip are the result of the process of implementing Good
Tata Kelola yang Baik yang didukung oleh kecukupan Governance principles supported by the adequacy of
struktur dan infrastruktur tata kelola Bank. the Bank's governance structure and infrastructure.
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Tata Kelola Perusahaan • Good Corporate Governance
Yang termasuk dalam outcome mencakup aspek kualitatif Outcomes include qualitative and quantitative aspects,
dan aspek kuantitatif, antara lain: including:
a. Kecukupan transparansi laporan; a. Adequate reporting transparency;
b. Kepatuhan terhadap ketentuan peraturan perundang- b. Compliance with statutory provisions;
undangan;
c. Perlindungan konsumen; c. Consumer protection;
d. Objektivitas dalam melakukan penilaian (assessment) d. Objectivity in conducting assessments or audits;
atau audit;
e. Kinerja Bank seperti rentabilitas, efisiensi, dan e. Bank performance, such as profitability, efficiency, and
permodalan; dan/atau capitalization; and/or
f. Peningkatan atau penurunan kepatuhan terhadap f. Improvement or decline in compliance with regulations,
ketentuan, kepatuhan terhadap penyelesaian compliance with resolving issues faced by the Bank,
permasalahan yang dihadapi Bank seperti fraud, such as fraud, violations of the BMPK/BMPD, and
pelanggaran BMPK/BMPD, serta pelanggaran violations of provisions related to bank reporting to the
ketentuan terkait laporan bank kepada Otoritas Jasa Financial Services Authority.
Keuangan.
Kriteria Penilaian Assessment Criteria
Pelaksanaan self-assessment tata kelola Bank meliputi 16 The Bank's governance self-assessment covers 16
(enam belas) aspek sebagaimana diuraikan berikut: (sixteen) aspects, as described below:
1. Pelaksanaan tugas, tanggung jawab, dan wewenang 1. Implementation of the duties, responsibilities, and
Direksi; authority of the Board of Directors;
2. Pelaksanaan tugas, tanggung jawab, dan wewenang 2. Implementation of the duties, responsibilities, and
Dewan Komisaris; authority of the Board of Commissioners;
3. Kelengkapan dan pelaksanaan tugas komite; 3. Completeness and implementation of committee
duties;
4. Penanganan benturan kepentingan; 4. Handling conflicts of interest;
5. Penerapan fungsi kepatuhan; 5. Implementation of the compliance function;
6. Penerapan fungsi audit intern; 6. Implementation of the internal audit function;
7. Penerapan fungsi audit ekstern; 7. Implementation of the external audit function;
8. Penerapan manajemen risiko, termasuk sistem 8. Implementation of risk management, including the
pengendalian intern; internal control system;
9. Pemberian Remunerasi; 9. Provision of remuneration;
10. Penyediaan dana kepada pihak terkait (related party) 10. Provision of funds to related parties and large
dan penyediaan dana besar (large exposures); exposures;
11. Integritas pelaporan dan sistem teknologi informasi; 11. Integrity of reporting and information technology
systems;
12. Rencana strategis Bank; 12. The Bank's strategic plan;
13. Aspek pemegang saham; 13. Shareholder aspects;
14. Penerapan strategi anti fraud, termasuk anti 14. Implementation of anti-fraud strategies, including anti-
penyuapan; bribery;
15. penerapan keuangan berkelanjutan, termasuk 15. Implementation of sustainable finance, including
penerapan tanggung jawab sosial dan lingkungan; the implementation of social and environmental
dan responsibility; and
16. Penerapan tata kelola dalam KUB. 16. Implementation of governance in KUB.
Pihak yang Melakukan Penilaian Assessor
Self-assessment yang dilaksanakan oleh Bank mencakup The Bank's self-assessment involves all elements within
keterlibatan seluruh elemen dalam struktur organisasi, the organizational structure, including the Board of
termasuk Dewan Komisaris, Direksi, serta unit-unit kerja Commissioners, the Board of Directors, and related work
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Tata Kelola Perusahaan • Good Corporate Governance
terkait. Proses ini dirancang untuk memastikan bahwa units. This process is designed to ensure that the assessment
penilaian terhadap kualitas penerapan GCG, kinerja, of the quality of GCG implementation, performance, and
dan efektivitas pengelolaan organisasi dilakukan secara effectiveness of organizational management is conducted
menyeluruh, objektif, dan transparan. comprehensively, objectively, and transparently.
Selain penilaian pada tingkat perusahaan secara In addition to the company-wide assessment, each
keseluruhan, setiap organ tata kelola baik Dewan Komisaris, governance organ—the Board of Commissioners, the
Direksi, komite-komite di bawah Dewan Komisaris, maupun Board of Directors, committees under the Board of
satuan kerja pendukung seperti audit internal, kepatuhan, Commissioners, and supporting work units such as
dan manajemen risiko juga melakukan penilaian masing- internal audit, compliance, and risk management—also
masing sesuai fungsi, peran, dan tanggung jawabnya. conducts its own assessments based on its functions,
Dengan demikian, Bank tidak hanya memperoleh roles, and responsibilities. This provides the Bank with
gambaran umum mengenai efektivitas tata kelola, tetapi not only a general overview of governance effectiveness
juga pemahaman yang lebih spesifik mengenai area yang but also a more specific understanding of areas requiring
memerlukan penguatan. strengthening.
Hasil Penilaian Assessment Result
Pada tahun 2025, Bank secara konsisten melakukan In 2025, the Bank consistently conducted internal
penilaian internal terhadap penerapan prinsip-prinsip assessments of the implementation of GCG principles
GCG melalui mekanisme self-assessment yang terstruktur through a structured and continuous self-assessment
dan berkesinambungan. Penilaian ini dilaksanakan sesuai mechanism. This assessment was conducted in accordance
pedoman teknis dan indikator yang ditetapkan dalam with the technical guidelines and indicators stipulated in
SEOJK 14/2017 dan SEOJK 14/2025, dengan tujuan SEOJK 14/2017 and SEOJK 14/2025, with the aim of
memastikan seluruh aspek tata kelola dijalankan secara ensuring that all aspects of governance are implemented
efektif, transparan, dan akuntabel. effectively, transparently, and accountably.
Berdasarkan hasil evaluasi tersebut, penerapan tata Based on the evaluation results, the Bank's overall
kelola Bank secara keseluruhan berada pada peringkat governance implementation received a composite rating
komposit 2 (dua). Hasil ini mencerminkan komitmen Bank of 2 (two). This result reflects the Bank's commitment to
dalam membangun praktik tata kelola yang sehat dan building sound and sustainable governance practices and
berkelanjutan, sekaligus menjadi dasar bagi langkah- serves as a basis for improvement measures focused on
langkah perbaikan yang berfokus pada peningkatan enhancing the quality of supervision, compliance, and risk
kualitas pengawasan, kepatuhan, dan manajemen risiko. management.
Peringkat Definisi Peringkat
Rating Rating Definition
Baik
Individual 2
Good
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Tata Kelola Perusahaan • Good Corporate Governance
Penerapan Pedoman Tata Kelola
Perusahaan Terbuka
Implementation of Governance Guidelines of Public Company
Sebagai perusahaan terbuka, Bank secara konsisten As a public company, the Bank consistently aligns
menyesuaikan praktik tata kelolanya dengan Pedoman its governance practices with the Public Company
Tata Kelola Perusahaan Terbuka, sebagaimana diatur Governance Guidelines, as stipulated in POJK No. 21/
dalam POJK No. 21/POJK.04/2015 tentang Penerapan POJK.04/2015 concerning the Implementation of Public
Pedoman Tata Kelola Perusahaan Terbuka dan SEOJK Company Governance Guidelines and SEOJK No. 32/
No. 32/SEOJK.04/2015 tentang Pedoman Tata Kelola SEOJK.04/2015 concerning the Guidelines for Public
Perusahaan Terbuka. Implementasi pedoman tersebut Company Governance. The implementation of these
mencakup berbagai aspek strategis, di antaranya: guidelines covers various strategic aspects, including:
Aspek/Prinsip/Rekomendasi Status Uraian
Aspect/Principle/Recommendation Status Description
I. Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-Hak Pemegang Saham
Relationship of Public Company with the Shareholders in Ensuring Shareholders’ Rights.
1. Meningkatkan Nilai Penyelenggaraan Rapat Umum Pemegang Saham (RUPS)
Improving the Value of General Meeting of Shareholders (GMS).
a. Perusahaan terbuka memiliki cara atau prosedur teknis Terpenuhi Bank telah memiliki tata cara pengambilan suara dalam
pengumpulan suara (voting), baik secara terbuka Complied RUPS sebagaimana yang telah diatur dalam Anggaran
maupun tertutup, yang mengedepankan independensi Dasar.
dan kepentingan Pemegang Saham. The Bank has voting procedures at the GMS as
Public company has technical procedures for opened regulated in the Articles of Association.
or closed voting that promote independency and
shareholders’ interest.
b. Seluruh anggota Direksi dan anggota Dewan Terpenuhi Sebagian anggota Direksi dan Dewan Komisaris
Komisaris perusahaan terbuka hadir dalam RUPS Sebagian menghadiri RUPS Tahunan sehingga dapat
Tahunan. Partially memberikan penjelasan kepada Pemegang Saham
All members of the Board of Directors and members Complied atas setiap agenda RUPS Tahunan.
of the Board of Commissioners of the public company All members of the Board of Directors and Board
are present at Annual GMS. of Commissioners attend the Annual GMS so as to
provide explanations to Shareholders regarding each
Annual GMS agenda.
c. Ringkasan risalah RUPS tersedia dalam situs web Terpenuhi Risalah RUPS telah dipublikasikan di situs web Bank
perusahaan terbuka paling sedikit selama 1 (satu) Complied www.ibk.co.id dan tersedia selama lebih dari 1 (satu)
tahun tahun.
Summary of GMS Minutes is available on public The GMS minutes have been published on the Bank’s
company’s website by no less than 1 (one) year. website www.ibk.co.id and have been available for
more than 1 (one) year
2. Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor
Improving Communication Quality of Public Company with Shareholders or Investors.
a. Perusahaan terbuka memiliki suatu kebijakan Terpenuhi Bank telah menjalankan rekomendasi keterbukaan
komunikasi dengan Pemegang Saham atau investor. Complied informasi kepada publik melalui Paparan Publik,
Public company has a communication policy with the mekanisme penyelenggaraan RUPS sesuai ketentuan
Shareholders or investors. yang berlaku, dan dimuat dalam situs web Bank.
The Bank has carried out recommendations for
information disclosure to the public through Public
Expose, the mechanism for holding GMS according
to the applicable regulations, and published on the
Bank’s website.
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Tata Kelola Perusahaan • Good Corporate Governance
Aspek/Prinsip/Rekomendasi Status Uraian
Aspect/Principle/Recommendation Status Description
b. Perusahaan terbuka mengungkapkan kebijakan Terpenuhi Pengungkapan kebijakan komunikasi Bank dengan
komunikasi perusahaan terbuka dengan Pemegang Complied Pemegang Saham atau investor disampaikan dalam
Saham atau investor dalam situs web. situs web Bank, yaitu www.ibk.co.id.
The public company discloses its communication Disclosure of the Bank’s communication policy with
policy with the Shareholders or investors on the Shareholders or investors is submitted on the Bank’s
website. website, namely www.ibk.co.id.
II. Fungsi dan Peran Dewan Komisaris
Functions and Roles of the Board of Commissioners
3. Memperkuat Keanggotaan dan Komposisi Dewan Komisaris
Strengthening Membership and Composition of the Board of Commissioners.
a. Penentuan Jumlah anggota Dewan Komisaris Terpenuhi Jumlah anggota Dewan Komisaris Bank sesuai dengan
mempertimbangkan kondisi perusahaan terbuka. Complied kebutuhan, kondisi, dan kemampuan berdasarkan
Determination on the number of members of the ketentuan yang berlaku.
Board of Commissioners considers the condition of The number of members of the Bank's Board of
the public company. Commissioners is in accordance with the needs,
conditions, and capabilities based on the applicable
regulations.
b. Penentuan komposisi anggota Dewan Komisaris Terpenuhi Komposisi Dewan Komisaris pada Bank telah
memperhatikan keberagaman keahlian, pengetahuan, Complied mencerminkan keberagaman seperti terlihat melalui
dan pengalaman yang dibutuhkan. profil masing-masing anggota Dewan Komisaris.
Determination of membership composition of the The composition of the Board of Commissioners at the
Board of Commissioners considers the variety of Bank reflects diversity as seen in the profile of each
expertise, knowledge, and experiences required. member of the Board of Commissioners.
4. Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris.
Improving the Quality of Job and Responsibility Performance of the Board of Commissioners
a. Dewan Komisaris mempunyai kebijakan penilaian Terpenuhi Bank telah memiliki kebijakan penilaian mandiri
sendiri (self-assessment) untuk menilai kinerja Dewan Complied Dewan Komisaris yang dilaksanakan bersama Komite
Komisaris. Remunerasi dan Nominasi dengan mempertimbangkan
The Board of Commissioners has a self-assessment pencapaian kinerja Bank, serta tugas dan tanggung
policy to assess the performance of the Board of jawab sesuai dengan peraturan dan perundangan,
Commissioners’. Anggaran Dasar, dan kebijakan Bank.
The Bank has an independent assessment policy for
the Board of Commissioners, implemented together
with the Remuneration and Nomination Committee by
considering the Bank's performance achievements,
and duties and responsibilities in accordance with the
rules and regulations, the Articles of Association, and
the Bank's policies.
b. Kebijakan penilaian sendiri (self-assessment) untuk Terpenuhi Bank telah mengungkapkan kebijakan dan
menilai kinerja Dewan Komisaris, diungkapkan melalui Complied pelaksanaan penilaian kinerja Dewan Komisaris dalam
Laporan Tahunan perusahaan terbuka. Laporan Tahunan dan Laporan Keberlanjutan ini pada
Self-assessment policy to assess the performance of bagian Tata Kelola Perusahaan.
the Board of Commissioners is disclosed in Annual The Bank has disclosed the policy and performance
Report of public company. assessment implementation of the Board of
Commissioners in the Annual Report and Sustainability
Report in the Corporate Governance section.
c. Dewan Komisaris mempunyai kebijakan terkait Terpenuhi Bank telah memiliki kebijakan pengunduran Dewan
pengunduran diri anggota Dewan Komisaris apabila Complied Komisaris apabila terlibat dalam kejahatan keuangan
terlibat dalam kejahatan keuangan. sesuai dengan ketentuan yang berlaku serta pedoman
The Board of Commissioners has a policy with respect dan tata tertib kerja Dewan Komisaris.
to the resignation of the Board of Commissioners The Bank has a policy regarding resignation of the
members if such member involved in financial crime. Board of Commissioners if involved in a financial
crime in accordance with the applicable regulations
and the guidelines and procedures of the Board of
Commissioners.
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Tata Kelola Perusahaan • Good Corporate Governance
Aspek/Prinsip/Rekomendasi Status Uraian
Aspect/Principle/Recommendation Status Description
d. Dewan Komisaris atau Komite yang menjalankan Terpenuhi Komite Remunerasi dan Nominasi telah bertugas
fungsi nominasi dan remunerasi menyusun kebijakan Complied dan bertanggung jawab menyusun dan memberikan
suksesi dalam proses nominasi anggota Direksi. rekomendasi kepada Dewan Komisaris mengenai
The Board of Commissioners or Committee that kebijakan suksesi atas nominasi anggota Direksi.
conducts Nomination and Remuneration function shall The Remuneration and Nomination Committee has
arrange succession policy in Nomination process of carried out its duty and responsibility to prepare
members of the Board of Directors. and provide recommendations to the Board of
Commissioners regarding the succession policy for
the nomination of members of the Board of Directors.
III. Fungsi dan Peran Direksi
Functions and Roles of the Board of Directors
5. Memperkuat Keanggotaan dan Komposisi Direksi
Strengthening the Membership and Composition of the Board of Directors
a. Penentuan jumlah anggota Direksi mepertimbangkan Terpenuhi Jumlah anggota Direksi Bank saat ini telah sesuai
kondisi perusahaan terbuka serta efektivitas dalam Complied dengan ketentuan dan telah mempertimbangkan
pengambilan Keputusan. kebutuhan, kondisi, dan kemampuan Bank.
Determination of the number of the Board of Directors The current number of members of the Bank's Board
members considers the condition of the public of Directors is in accordance with the provisions and
company and the effectiveness of decision making. has taken into account the needs, conditions, and
capabilities of the Bank.
b. Penentuan komposisi anggota DIreksi memperhatikan Terpenuhi Penentuan komposisi anggota Direksi telah
keberagaman keahlian, pengetahuan, dan pengalaman Complied memperhatikan, keberagaman keahlian, pengetahuan,
yang dibutuhkan. dan pengalaman yang dibutuhkan.
Determination of the composition of the Board of Determination of composition of the Board of Directors
Directors members considers the variety of expertise, members has taken into account the diversity of
knowledge, and experience required. expertise, knowledge, and experience required.
c. Anggota Direksi yang membawahi bidang Terpenuhi Direksi Bank yang membawahi bidang akuntansi atau
akuntansi atau keuangan memiliki keahlian dan/atau Complied keuangan memiliki keahlian dan/atau pengetahuan di
pengetahuan di bidang akuntansi. bidang akuntansi.
Members of the Board of Directors who are liable for The Bank's Directors in charge of accounting or finance
accounting or finance have accounting expertise and/ have expertise and/or knowledge in accounting.
or knowledge.
6. Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi.
Improving the Quality of Job and Responsibility Performance of the Board of Directors.
a. Direksi mempunyai kebijakan penilaian sendiri (self- Terpenuhi Bank telah memiliki kebijakan penilaian mandiri Direksi
assessment) untuk menilai kinerja Direksi. Complied yang dilaksanakan bersama Komite Remunerasi dan
The Board of Directors has a self-assessment policy Nominasi sesuai dengan ketentuan yang berlaku.
to assess the performance of the Board of Directors. The Bank has an independent assessment policy for
the Board of Directors, implemented together with
the Remuneration and Nomination Committee in
accordance with the applicable regulations.
b. Kebijakan penilaian sendiri (self-assessment) untuk Terpenuhi Bank telah mengungkapkan kebijakan dan
menilai kinerja Direksi, diungkapkan melalui Laporan Complied pelaksanaan penilaian kinerja Direksi dalam Laporan
Tahunan Perusahaan Terbuka Tahunan dan Laporan Keberlanjutan ini pada bagian
The self-assessment policy to assess the performance Tata Kelola Perusahaan.
of the Board of Directors is disclosed in the Annual The Bank has disclosed the policy and performance
Report of the public company. assessment implementation of the Board of Directors
in this Annual and Sustainability Report in the
Corporate Governance section.
c. Direksi mempunyai kebijakan terkait pengunduran Terpenuhi Bank telah memiliki kebijakan pengunduran Direksi
diri anggota Direksi apabila terlibat dalam kejahatan Complied apabila terlibat kejahatan keuangan sebagaimana
keuangan. dituangkan dalam Piagam Direksi.
The Board of Directors has a policy related to The Bank has a policy regarding resignation of the
resignation of the Board of Directors members if Board of Directors if involved in a financial crime as
involved in a financial crime. stated in the Board of Directors’ Charter.
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Tata Kelola Perusahaan • Good Corporate Governance
Aspek/Prinsip/Rekomendasi Status Uraian
Aspect/Principle/Recommendation Status Description
IV. Partisipasi Pemangku Kepentingan
Participation of Stakeholders.
7. Meningkatkan Aspek Tata Kelola Perusahaan Melalui Partisipasi Pemangku Kepentingan
Improving Corporate Governance Through Stakeholder Participation
a. Perusahaan Terbuka memiliki kebijakan untuk Terpenuhi Bank telah memiliki kebijakan terkait pencegahan
mencegah terjadinya insider trading. Complied insider trading sebagaimana yang dimuat dalam Kode
The Public Company has a policy to prevent insider Etik dan telah diunggah ke situs web Bank
trading. The Bank has a policy regarding the prevention of
insider trading as stated in the Code of Conduct and
has been uploaded to the Bank's website.
b. Perusahaan Terbuka memiliki kebijakan anti-korupsi Terpenuhi Bank telah memiliki kebijakan terkait anti-korupsi dan
dan anti-fraud. Complied antifraud sebagaimana yang dimuat dalam Kode Etik
The Public Company has an anti-corruption and anti- dan telah diunggah ke situs web Bank.
fraud policy. The Bank has a policy regarding anti-corruption and
anti-fraud as stated in the Code of Conduct and has
been uploaded to the Bank's website.
c. Perusahaan Terbuka memiliki kebijakan tentang seleksi Terpenuhi Bank telah memiliki kebijakan umum dan khusus terkait
dan peningkatan kemampuan pemasok atau vendor. Complied seleksi dan evaluasi terhadap pemasok atau vendor.
The Public Company has policies concerning selection The Bank has general and specific policies related to
and capability improvement of suppliers and vendors. selecting and evaluating suppliers or vendors.
d. Perusahaan Terbuka memiliki kebijakan tentang Terpenuhi Bank telah memiliki kebijakan dalam hal pemenuhan
pemenuhan hak-hak kreditur. Complied hak-hak kreditur serta senantiasa mematuhi
The Public Company has a policy on the fulfillment of persyaratan yang diterbitkan kreditur.
creditors' rights. The Bank has a policy on the fulfillment of creditors'
rights and always complies with the requirements
issued by creditors.
e. Perusahaan Terbuka memiliki kebijakan sistem Terpenuhi Bank telah memiliki kebijakan sistem pelaporan
whistleblowing. Complied pelanggaran yang telah diterapkan secara efektif.
The Public Company has a Whistleblowing System The Bank has a whistleblowing system policy that has
policy. been implemented effectively.
f. Perusahaan Terbuka memiliki kebijakan pemberian Terpenuhi Bank telah memiliki kebijakan terkait dengan pemberian
insentif jangka panjang kepada Direksi dan karyawan. Complied insentif jangka panjang bagi Direksi dan karyawan.
The Public Company has a long-term incentive policy The Bank has a policy on the provision of long-term
for the Board of Directors and employees. incentives for the Board of Directors and employees.
V. Keterbukaan Informasi
Disclosure of Information.
8. Meningkatkan Pelaksanaan Keterbukaan Informasi
Improving the Implementation of Information Disclosure.
a. Perusahaan Terbuka memanfaatkan teknologi Terpenuhi Bank memanfaatkan situs web dan teknologi informasi
informasi secara lebih luas selain situs web sebagai Complied melalui media internal dan media komunikasi massa
media keterbukaan informasi. untuk melaksanakan keterbukaan informasi kepada
Public Company takes benefit from the application of pemangku kepentingan.
a broader information technology other than website The Bank utilizes website and information technology
as an information disclosure media. through internal media and mass communication media
to carry out information disclosure to stakeholders
b. Laporan Tahunan Perusahaan Terbuka Terpenuhi Laporan Tahunan dan Laporan Keberlanjutan Bank
mengungkapkan pemilik manfaat akhir dalam Complied telah mengungkapkan informasi mengenai: Daftar
kepemilikan saham Perusahaan Terbuka paling sedikit Pemegang Saham Bank yang memiliki saham
5%, selain pengungkapan pemilik manfaat akhir dalam Bank 5% atau lebih; Pemilik manfaat akhir dalam
kepemilikan Perusahaan Terbuka melalui Pemegang kepemilikan saham Bank; serta Pemegang Saham
Saham Utama dan Pengendali. Utama/Pengendali Bank.
Annual Report of Public Company discloses beneficial The Bank’s Annual and Sustainability Report has
owner in share ownership of public company of at disclosed information regarding: List of Bank
least 5%, other than disclosure of beneficial owner in Shareholders with 5% or more of the Bank’s shares;
share ownership or public company through Main and The ultimate beneficial owner of the Bank’s share
Controlling Shareholders ownership; and the Main/Controlling Shareholders of
the Bank.
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Tata Kelola Perusahaan • Good Corporate Governance
Struktur dan Mekanisme Tata Kelola [GRI 2-9]
Governance Structure and Mechanism
Bank menerapkan struktur dan mekanisme GCG yang The Bank implements a GCG structure and mechanisms
berpedoman pada Undang-Undang No. 40 Tahun guided by Law No. 40 of 2007 concerning Limited
2007 tentang Perseroan Terbatas. Sesuai ketentuan Liability Companies. In accordance with this provision, the
tersebut, organ utama Perseroan terdiri atas Rapat Umum Company's primary organs consist of the General Meeting
Pemegang Saham (RUPS) sebagai organ tertinggi, Dewan of Shareholders (GMS) as the highest organ, the Board
Komisaris, dan Direksi. Organ pendukung berada di bawah of Commissioners, and the Board of Directors. Supporting
Dewan Komisaris dan Direksi, terdiri atas komite-komite organs, under the Board of Commissioners and the
serta satuan kerja yang menangani fungsi-fungsi kritis Board of Directors, consist of committees and work units
seperti Manajemen Risiko, Audit Internal, Kepatuhan, dan that handle critical functions such as Risk Management,
Sekretaris Perusahaan. Kehadiran organ pendukung ini Internal Audit, Compliance, and the Corporate Secretary.
memperkuat pengawasan dan mendukung pelaksanaan The presence of these supporting organs strengthens
kebijakan yang profesional, terukur, dan patuh pada oversight and supports the implementation of professional,
regulasi. measurable policies that comply with regulations.
Berikut merupakan gambaran lebih rinci mengenai struktur The following is a more detailed overview of the Bank's
tata kelola Bank: governance structure:
Pilar Tata Kelola
Organ Utama | Main Organs Pillars of Governance
• RUPS | GMS • Perilaku Beretika | Ethical Conduct
• Dewan Komisaris | Board of Commissioners • Akuntabilitas | Accountability
• Direksi | Board of Directors • Transparansi | Transparency
• Keberlanjutan | Sustainability
Organ Pendukung | Supporting Organs
Implementasi Tata Kelola
• Komite Remunerasi dan Nominasi | Governance Implementation
Remuneration and Nomination Committee
• Kesadaran | Awareness
• Komite Pemantau Risiko | Risk Monitoring • Internalisasi | Internalization
Governance
Committee • Assessment
Structure
• Komite Audit | Audit Committee • Eksternalisasi | Externalization
• Internal Audit • Monitoring Evaluasi | Monitoring
• Sekretaris Perusahaan | Corporate Secretary and Evaluation
• Compliance Unit
Kebijakan Perusahaan dan Alur Proses
Pelaporan | Company Policy and Governance Procees
Reporting Process Flow
Setiap organ dalam struktur tata kelola memiliki peran yang Each organ within the governance structure has a
saling melengkapi dan terhubung satu sama lain, sehingga complementary and interconnected role, thus collectively
bersama-sama membentuk fondasi sistem tata kelola yang forming the foundation of a strong and effective governance
kuat dan efektif. system.
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Tata Kelola Perusahaan • Good Corporate Governance
Sesuai dengan Anggaran Dasar Bank, Dewan Komisaris In accordance with the Bank's Articles of Association,
memiliki peran strategis dalam menjalankan fungsi the Board of Commissioners plays a strategic role in
pengawasan, memastikan bahwa setiap langkah dan carrying out its oversight function, ensuring that every
kebijakan Direksi dijalankan secara patuh terhadap step and policy of the Board of Directors is implemented
ketentuan perundang-undangan. Sementara itu, Direksi in compliance with statutory provisions. Meanwhile, the
bertanggung jawab atas pengelolaan operasional dan Board of Directors is responsible for the professional
kepengurusan Bank secara profesional, dengan komitmen management and operation of the Bank, with a commitment
untuk menghindari terjadinya potensi benturan kepentingan. to avoiding potential conflicts of interest.
Mekanisme tata kelola Bank dirancang melalui serangkaian The Bank's governance mechanisms are designed through
prosedur dan proses yang sistematis, yang menjamin a series of systematic procedures and processes, ensuring
setiap kebijakan dan keputusan manajemen konsisten that every management policy and decision is consistent
dengan regulasi serta standar industri. Hal ini mencakup with regulations and industry standards. This includes
pelaksanaan audit internal dan eksternal, penilaian dan the implementation of internal and external audits, risk
mitigasi risiko, evaluasi kinerja, serta penerapan kebijakan assessment and mitigation, performance evaluation, and
manajemen risiko yang efektif. the implementation of effective risk management policies.
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) merupakan The General Meeting of Shareholders (GMS) is the highest
organ tertinggi dalam struktur tata kelola perusahaan yang organ in the corporate governance structure, possessing
memiliki kewenangan khusus yang tidak dimiliki oleh organ special powers not shared by other governance organs.
tata kelola lainnya. Melalui RUPS, para pemegang saham Through the GMS, shareholders can make strategic
dapat menetapkan keputusan strategis yang menjadi dasar decisions/resolutions that form the basis for company
pengelolaan perusahaan, termasuk pengesahan laporan management, including the ratification of the annual report,
tahunan, penetapan penggunaan laba, pengangkatan dan the determination of profit allocation, the appointment and
pemberhentian anggota Dewan Komisaris dan Direksi, dismissal of members of the Board of Commissioners and
serta berbagai keputusan penting lainnya. Board of Directors, and various other important decisions.
RUPS Bank diselenggarakan dalam dua bentuk, yaitu Bank GMSs are held in two forms: the Annual GMS and
RUPS Tahunan dan RUPS Luar Biasa, yang masing- the Extraordinary GMS, each with a different purpose
masing memiliki tujuan dan ruang lingkup keputusan yang and scope of resolutions. The GMS must comply
berbeda. Pelaksanaan RUPS wajib mematuhi seluruh with all applicable laws and regulations, including
ketentuan peraturan perundang-undangan yang berlaku, regulations in the financial services sector and the
termasuk regulasi di sektor jasa keuangan serta ketentuan provisions of the company's articles of association.
dalam anggaran dasar perusahaan.
Dasar Hukum Legal Basis
Dasar hukum pelaksanaan RUPS Bank mengacu pada The legal basis for holding the Bank's GMS refers to the
beberapa peraturan sebagai berikut: following regulations:
1. Undang-undang No. 40 Tahun 2007 tentang 1. Law No. 40 of 2007 concerning Limited Liability
Perseroan Terbatas; Companies;
2. POJK No. 15/POJK.04/2020 tentang Rencana dan 2. OJK Regulation No. 15/POJK.04/2020 concerning
Penyelenggaraan Rapat Umum Pemegang Saham the Planning and Implementation of General Meetings
Perusahaan Terbuka; of Shareholders of Public Companies;
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Tata Kelola Perusahaan • Good Corporate Governance
3. POJK No. 16/POJK.04/2020 tentang Pelaksanaan 3. OJK Regulation No. 16/POJK.04/2020 concerning
Rapat Umum Pemegang Saham Perusahaan Terbuka the Electronic Implementation of General Meetings of
secara Elektronik; Shareholders of Public Companies;
4. POJK No. 14 tahun 2025 tentang Pelaksanaan Rapat 4. OJK Regulation (POJK) No. 14 of 2025 concerning
Umum Pemegang Saham, Rapat Umum Pemegang the Electronic Implementation of General Meetings of
Obligasi, dan Rapat Umum Pemegang Sukuk secara Shareholders, General Meetings of Bondholders, and
elektronik; serta General Meetings of Sukuk Holders; and
5. Akta Anggaran Dasar PT Bank IBK Indonesia Tbk 5. Deed of Articles of Association of PT Bank IBK
No. 145 tanggal 16 Agustus 2024. Indonesia Tbk No. 145 dated August 16, 2024.
Hak dan Wewenang Pemegang Saham Shareholder Rights and Authorities at the
dalam RUPS GMS
Pemegang Saham Bank memiliki hak dan wewenang Bank shareholders have certain rights and authorities as
tertentu yang diatur oleh Undang-Undang dan Anggaran regulated by law and the bank's Articles of Association. The
Dasar Bank. Uraian mengenai hak dan kewajiban rights and obligations of shareholders are as follows:
Pemegang Saham sebagai berikut:
Hak Pemegang Saham Rights of the Shareholders
1. Hak Suara: Pemegang Saham berhak memberikan 1. Voting Rights: Shareholders have the right to vote
suara dalam RUPS untuk mengambil keputusan at the GMS to make important decisions, such as
penting, seperti pemilihan Direksi dan Dewan the election of the Board of Directors and the Board
Komisaris, perubahan Anggaran Dasar, serta of Commissioners, amendments to the Articles of
keputusan strategis lainnya. Association, and other strategic decisions.
2. Hak atas Dividen: Pemegang Saham berhak 2. Right to Dividends: Shareholders have the right to
menerima dividen dari laba Bank sesuai dengan receive dividends from the Bank's profits in proportion
proporsi saham yang dimiliki jika Bank memutuskan to their shares owned if the Bank decides to distribute
untuk membagikan dividen. dividends.
3. Hak atas Informasi: Pemegang Saham berhak 3. Right to Information: Shareholders have the
mendapatkan informasi yang transparan tentang right to receive transparent information about the
kinerja Bank, Laporan Keuangan, dan keputusan Bank's performance, financial reports, and important
penting yang diambil oleh Direksi dan Dewan decisions made by the Board of Directors and the
Komisaris. Board of Commissioners.
4. Hak untuk Menghadiri RUPS: Pemegang Saham 4. Right to Attend the GMS: Shareholders have the
berhak untuk menghadiri, berbicara, dan memberikan right to attend, speak, and vote at the GMS.
suara dalam RUPS.
Wewenang Pemegang Saham Shareholder Authority
1. Mengangkat Direksi dan Dewan Komisaris: 1. Appointing the Board of Directors and the
Pemegang Saham memiliki wewenang untuk Board of Commissioners: Shareholders have the
mengangkat atau memberhentikan susunan authority to appoint or dismiss members of the Board
anggota Direksi dan Dewan Komisaris dengan of Directors and the Board of Commissioners, taking
mempertimbangkan peraturan perundang-undangan into account applicable laws and regulations and the
yang berlaku serta kebutuhan Bank. Bank's needs.
2. Mengesahkan Laporan Keuangan: Pemegang 2. Ratifying Financial Statements: Shareholders
Saham memiliki wewenang untuk meninjau dan have the authority to review and ratify the Bank's
mengesahkan Laporan Keuangan Tahunan Bank. Annual Financial Statements.
3. Menyetujui Perubahan Anggaran Dasar: 3. Approving Amendments to the Articles of
Pemegang Saham memiliki wewenang untuk Association: Shareholders have the authority
menyetujui perubahan Anggaran Dasar Bank, to approve amendments to the Bank's Articles of
termasuk struktur modal, tujuan Bank, dan perubahan Association, including the Bank's capital structure,
lainnya dengan tetap mematuhi peraturan perundang- objectives, and other changes, while still complying
undangan yang berlaku. with applicable laws and regulations.
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Tata Kelola Perusahaan • Good Corporate Governance
4. Menyetujui Aksi Korporasi: Pemegang Saham 4. Approving Corporate Actions: Shareholders have
memiliki wewenang untuk menyetujui atau menolak the authority to approve or reject corporate actions,
aksi korporasi, seperti penggabungan, peleburan, such as mergers, amalgamations, takeovers, or
pengambilalihan, atau perubahan kepemilikan Bank changes in Bank ownership, as well as other strategic
serta hal strategis lain yang membutuhkan keputusan matters requiring a GMS resolution.
RUPS.
5. Menetapkan Remunerasi Direksi dan Dewan 5. Determining the Remuneration of the Board
Komisaris: Pemegang Saham memiliki wewenang of Directors and Board of Commissioners:
untuk menetapkan besaran remunerasi bagi anggota Shareholders have the authority to determine the
Direksi dan Dewan Komisaris. amount of remuneration for members of the Board of
Directors and Board of Commissioners.
Perlakuan yang Adil Terhadap Pemegang Fair Treatment of Shareholders
Saham
Bank menerapkan kebijakan yang menjamin perlakuan adil The Bank implements a policy that ensures fair treatment
terhadap seluruh Pemegang Saham, dengan tujuan utama of all Shareholders, with the primary goal of ensuring
memastikan transparansi, kesetaraan, dan keadilan dalam transparency, equality, and fairness in all decision-making.
setiap pengambilan keputusan. Kebijakan ini mencakup This policy includes the provision of accurate, timely, and
penyediaan informasi yang akurat, tepat waktu, dan setara equitable information to all Shareholders, so that every
bagi seluruh Pemegang Saham, sehingga setiap keputusan decision can be understood and fairly followed.
dapat dipahami dan diikuti secara adil.
Selain itu, Direksi, Dewan Komisaris, dan seluruh karyawan Furthermore, the Board of Directors, Board of
Bank juga dilarang keras memanfaatkan informasi yang Commissioners, and all Bank employees are strictly
belum tersedia secara publik (insider information) untuk prohibited from using information that is not yet publicly
kepentingan pribadi maupun pihak lain. Langkah ini available (insider information) for personal gain or for
ditempuh untuk menjaga integritas Bank dan memperkuat the benefit of others. This step is taken to maintain the
kepercayaan publik terhadap tata kelola dan operasional Bank's integrity and strengthen public trust in its overall
Bank secara keseluruhan. governance and operations.
Akses Informasi Kepada Pemegang Saham Access to Information for Shareholders
Bank memastikan seluruh pemegang saham memperoleh The Bank ensures that all shareholders have equal, fair,
akses yang setara, adil, dan tepat waktu terhadap informasi and timely access to relevant and material information
yang relevan dan material mengenai kondisi keuangan, regarding the Company's financial condition, operational
kinerja operasional, serta keputusan strategis Perseroan. performance, and strategic decisions. This commitment is
Komitmen ini merupakan bagian dari penerapan prinsip part of the implementation of the principle of transparency
transparansi dan perlindungan hak pemegang saham and protection of shareholder rights within the framework
dalam kerangka tata kelola perusahaan yang baik. of good corporate governance.
Dalam rangka mendukung keterbukaan informasi, Bank To support information transparency, the Bank consistently
secara konsisten mempublikasikan laporan keuangan publishes periodic financial reports, annual reports,
berkala, laporan tahunan, laporan keberlanjutan, serta sustainability reports, and other material information in
informasi material lainnya sesuai dengan ketentuan peraturan accordance with applicable laws and regulations through
perundang-undangan yang berlaku melalui kanal komunikasi the Company's official communication channels. In addition,
resmi Perseroan. Selain itu, Bank juga menyampaikan the Bank also provides information relating to the rights
informasi yang berkaitan dengan hak dan kepentingan and interests of shareholders, including but not limited to
pemegang saham, termasuk namun tidak terbatas pada the implementation of General Meetings of Shareholders
pelaksanaan Rapat Umum Pemegang Saham (RUPS), (GMS), dividend distributions, and other corporate actions.
pembagian dividen, serta aksi korporasi lainnya.
Untuk memfasilitasi komunikasi yang efektif dan To facilitate effective communication and ensure
memastikan pemegang saham dapat menjalankan hak dan that shareholders can optimally exercise their rights
kewajibannya secara optimal, Bank menyediakan sejumlah and obligations, the Bank provides several official
saluran komunikasi resmi sebagai berikut: communication channels as follows:
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Tata Kelola Perusahaan • Good Corporate Governance
Media Keterangan
Media Description
RUPS Media penyampaian laporan dan informasi dimana memungkinkan pemegang saham dapat
GMS berpartisipasi dalam pengambilan keputusan.
Media for delivering reports and information that enables shareholders to participate in decision
making.
Situs web Bank: https://ibk.co.id/
Website BEI: www.idx.co.id (ticker code: “AGRS”)
KSEI: www.ksei.co.id
Media Cetak Media cetak berupa surat kabar/koran, majalah, dan sebagainya, baik berskala nasional ataupun
Print Media global yang menyampaikan informasi terkini mengenai Bank.
Print media, including newspapers, magazines, and so on, both nationally and globally, provide the
latest information about banks.
Media Elektronik Media elektronik berupa news tv, radio, portal berita, dan sebagainya, baik berskala nasional
Electronic Media ataupun global, yang menyampaikan informasi terkini mengenai Bank.
Electronic media, including news television, radio, news portals, and so on, both nationally and
globally, provide the latest information about banks.
Melalui penyediaan saluran komunikasi tersebut, Bank By providing these communication channels, the Bank
menegaskan komitmennya untuk menjaga keterbukaan affirms its commitment to maintaining information
informasi, meningkatkan kepercayaan pemegang saham, transparency, enhancing shareholder trust, and ensuring
serta memastikan seluruh pemegang saham dapat that all shareholders can participate actively and responsibly
berpartisipasi secara aktif dan bertanggung jawab dalam in the Company's decision-making process. With adequate
proses pengambilan keputusan Perseroan. Dengan access to information, shareholders' active involvement
dukungan akses informasi yang memadai, keterlibatan aktif in decision-making through the General Meeting of
pemegang saham dalam pengambilan keputusan melalui Shareholders (GMS) is expected to continue to improve.
RUPS diharapkan dapat terus ditingkatkan.
Reposisi Informasi RUPS GMS Information Repositioning
Bank memfasilitasi pemegang saham dalam menggunakan The Bank facilitates shareholders in exercising their rights
hak dan kewenangannya dalam RUPS dengan and authorities at the GMS by implementing the following
melaksanakan langkah-langkah sebagai berikut: steps:
1. Bank menyampaikan pengumuman dan melakukan 1. The Bank delivers announcements and notices
pemanggilan RUPS kepada Pemegang Saham for the GMS to Shareholders in a timely manner.
secara tepat waktu. Pengumuman dan Pemanggilan The announcements and notices for the GMS are
RUPS tersebut dilakukan dalam Bahasa Indonesia made in both Indonesian and English and published
maupun Bahasa Inggris serta dipublikasikan melalui in national newspapers, the Bank's website,
surat kabar nasional, situs web Bank, dan situs web and the Indonesia Stock Exchange website;
Bursa Efek Indonesia;
2. Dalam Pengumuman dan Pemanggilan RUPS, Bank 2. In the GMS Announcement and Notice, the Bank
menyampaikan dengan jelas mengenai siapa saja clearly states which Shareholders are authorized to
Pemegang Saham yang berwenang untuk menghadiri/ attend/represent and vote at the GMS: those Bank
mewakili dan memberikan suara dalam RUPS, yaitu shareholders whose names are registered in the
pemegang saham Bank yang namanya tercatat dalam Shareholders Register (DPS) or shareholders whose
Daftar Pemegang Saham (DPS) atau pemegang securities accounts are held at the Indonesian Central
saham dalam rekening efek di PT Kustodian Sentral Securities Depository (PT Kustodian Sentral Efek
Efek Indonesia pada hari Pemanggilan; Indonesia) on the day of the notice;
3. Bank menyediakan kontak yang dapat digunakan 3. The Bank provides contact information for
oleh Pemegang Saham untuk berkomunikasi terkait Shareholders to communicate regarding the holding
penyelenggaraan RUPS melalui situs web Bank; serta of the GMS through the Bank's website.
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4. Terkait kebutuhan informasi dan/atau pengajuan 4. Regarding information needs and/or inquiries
pertanyaan mengenai rencana RUPS dan/atau mata regarding the GMS plan and/or GMS agenda, the
acara RUPS, Bank menyediakan layanan kepada Bank provides services to Shareholders, both through
Pemegang Saham, baik melalui pertemuan langsung in-person meetings and correspondence via electronic
maupun korespondensi melalui surat elektronik. mail.
Jenis RUPS Types of GMS
Bank menyelenggarakan 2 (dua) jenis RUPS, yaitu sebagai The Bank holds two types of GMS, as follows:
berikut:
1. RUPS Tahunan (RUPST) 1. Annual GMS (AGMS)
RUPS Tahunan wajib diselenggarakan oleh Bank The Bank must hold an Annual GMS at least once
minimal 1 (satu) kali dalam setahun, paling lambat a year, no later than six months after the end of the
6 (enam) bulan setelah berakhirnya tahun buku. fiscal year. At the AGMS, shareholders discuss and
Dalam RUPST, pemegang saham membahas dan approve the Annual Report, Sustainability Report,
menyetujui Laporan Tahunan, Laporan Keberlanjutan, Financial Statements, and reports related to other
Laporan Keuangan, serta laporan terkait aksi corporate actions. This meeting also serves as a
korporasi lainnya. Rapat ini juga menjadi forum untuk forum for determining dividend distribution, appointing
menetapkan pembagian dividen, pengangkatan atau or dismissing members of the Board of Directors and
pemberhentian anggota Direksi dan Dewan Komisaris, Board of Commissioners, and approving strategic
serta menyetujui kebijakan strategis dan keputusan policies and other important decisions.
penting lainnya.
2. RUPS Luar Biasa (RUPSLB) 2. Extraordinary General Meeting of Shareholders
(EGMS)
RUPS Luar Biasa dapat diadakan sewaktu-waktu An Extraordinary General Meeting of Shareholders
apabila diperlukan untuk membahas dan memutuskan (EGMS) may be held at any time if necessary to
hal-hal yang mendesak dan tidak dapat ditunda discuss and decide on urgent matters that cannot
hingga RUPS Tahunan berikutnya. Agenda RUPSLB be postponed until the next Annual General Meeting
Bank umumnya membahas topik terkait perubahan of Shareholders. The agenda for a Bank's EGMS
Anggaran Dasar, aksi korporasi, penambahan modal, generally covers topics related to amendments to
atau keputusan penting lain yang memerlukan the Articles of Association, corporate actions, capital
persetujuan Pemegang Saham secara segera. increases, or other important decisions that require
immediate shareholder approval.
Prosedur Penyelenggaraan RUPS GMS Procedures
Dalam rangka memastikan penyelenggaraan RUPS yang To ensure a fair GMS and ensure that all shareholders
adil serta agar seluruh pemegang saham memperoleh receive complete information and can exercise their rights
informasi yang lengkap dan dapat menggunakan haknya effectively, the Bank conducts the GMS in accordance
secara efektif, Bank melaksanakan RUPS sesuai dengan with applicable laws and regulations, with the following
ketentuan peraturan perundang-undangan yang berlaku procedures:
dengan prosedur sebagai berikut:
Kegiatan Uraian
Activity Description
Pemberitahuan Pemberitahuan mengenai rencana dan mata acara RUPS disampaikan kepada OJK 5 (lima) hari
Notification kerja sebelum tanggal pengumuman RUPS kepada publik atau 44 (empat puluh empat) hari kerja
sebelum pelaksanaan RUPS.
Notification regarding the plans and agenda for the GMS is submitted to the Financial Services
Authority 5 (five) working days prior to the date of the GMS announcement to the public or 44 (forty
four) working days prior to the GMS implementation.
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Tata Kelola Perusahaan • Good Corporate Governance
Kegiatan Uraian
Activity Description
Pengumuman Pengumuman RUPS disampaikan melalui situs web Bank, Bursa Efek Indonesia, dan Kustodian
Announcement Sentral Efek Indonesia 14 (empat belas) hari sebelum tanggal Pengumuman RUPS atau 37 (tiga
puluh tujuh) hari kerja sebelum penyelenggaraan RUPS. Bukti Pengumuman RUPS di surat kabar
disampaikan kepada Otoritas Jasa Keuangan 2 (dua) hari kerja setelah pengumuman RUPS.
GMS announcement is submitted through the website of the Bank, Indonesian Stock Exchange,
and Indonesian Central Securities Depository, 14 (fourteen) days prior to the date of the GMS
Announcement or 37 (thirty seven) working days prior to the GMS implementation. Evidence of
GMS Announcement in the newspaper is submitted to the Financial Services Authority 2 (two)
working days after the GMS announcement.
Pemanggilan Pemanggilan RUPS disampaikan minimal melalui situs web Bank, Bursa Efek Indonesia, dan
Notice Kustodian Sentral Efek Indonesia 23 (dua puluh tiga) hari sebelum penyelenggaraan RUPS.
Sementara itu, bukti pemanggilan RUPS disampaikan kepada Otoritas Jasa Keuangan 22 (dua
puluh dua) hari sebelum penyelenggaraan RUPS.
Notice for the GMS is submitted at least through the website of the Bank, Indonesian Stock
Exchange, and Indonesian Central Securities Depository, 23 (twenty-three) days prior to the
GMS implementation. Meanwhile, evidence of the notice to the GMS is submitted to the Financial
Services Authority 22 (twenty-two) days prior to the GMS implementation.
Penyelenggaraan RUPS dihadiri oleh Pemegang Saham Independen yang mewakili setengah bagian dari jumlah
Implementation seluruh saham dengan hak suara sah yang dimiliki oleh Pemegang Saham Independen.
GMS is attended by Independent Shareholders representing half of the total shares with valid
voting rights owned by Independent Shareholders.
Ringkasan Risalah Ringkasan risalah RUPS disampaikan melalui situs web Bank, Bursa Efek Indonesia, dan Kustodian
Summary of Minutes Sentral Efek Indonesia 2 (dua) hari kerja setelah penyelenggaraan RUPS.
Summary of the GMS minutes is submitted through the website of the Bank, Indonesian Stock
Exchange, and Indonesian Central Securities Depository, 2 (two) working days after the GMS
implementation.
Penyelenggaraan RUPS Tahun 2025 Holding of the 2025 GMS
Pada tahun 2025, Bank menyelenggarakan 1 (satu) kali In 2025, the Bank held one AGMS and one EGMS, both of
RUPST dan 1 (satu) RUPSLB, yang keduanya dilaksanakan was held simultaneously on June 20, 2025.
secara bersamaan pada tanggal 20 Juni 2025.
Berikut adalah informasi terkait penyelenggaraan RUPST The following is information regarding the holding of the
dan RUPSLB pada tahun 2025: AGMS and EGMS in 2025:
Pelaksanaan RUPST dan RUPSLB Tanggal 20 Juni Holding of the Annual General Meeting of
2025 Shareholders (AGMS) and the Extraordinary General
Meeting of Shareholders (EGMS) on June 20, 2025
Daftar Peserta RUPST dan RUPSLB
List of Participants in the AGMS and EGMS
Dewan Komisaris
Board of Commissioners
Taufik Hakim Komisaris Utama (Independen) | President Commissioner (Independent)
Ko Dae Jin Komisaris | Commissioner
Damal Bayu Utama Komisaris Independen | Independent Commissioner
Joni Swastanto Komisaris Independen | Independent Commissioner
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Direksi
Board of Directors
Oh In Taek Direktur Utama | President Director
Edwin Rudianto Direktur | Director
Alexander Frans Rori Direktur Kepatuhan | Compliance Director
Pihak Independen
Independent Party
Christina Dwi Utami, S.H., M.Hum, M.kn Notaris | Notary
PT Adimitra Jasa Korpora Biro Administrasi Efek | Securities Administration Bureau
Kuorum Kehadiran RUPST & RUPSLB Attendance Quorum for the AGMS & EGMS
RUPST Bank dihadiri oleh pemegang saham dan kuasa The Bank's AGMS was attended by shareholders and their
pemegang saham yang mewakili 44.182.304.883 lembar proxies representing 44,182,304,883 shares, equivalent to
saham, dan RUPSLB dihadiri oleh para pemegang saham 92.31% of the total 47,864,384,874 shares and EGMS was
dan kuasa pemegang saham yang mewakili 43.817.194.483 attended by shareholders and their proxies representing
saham atau mewakili 91,54% dari 47.864.384.874 lembar 43,817,194,483 shares, or 91.54% of the 47,864,384,874
saham yang merupakan seluruh saham dengan hak suara shares, being all shares with valid voting rights issued by
yang sah yang telah dikeluarkan Perseroan. Kehadiran the Company. This attendance demonstrates significant
tersebut menunjukkan partisipasi signifikan pemegang shareholder participation in the Bank's strategic decision-
saham dalam pengambilan keputusan strategis Bank. making.
Hasil Keputusan Rapat dan Realisasi RUPST 20 Juni Meeting Resolution and Realization of the AGMS
2025 on June 20, 2025
Agenda Pertama | First Agenda
Persetujuan dan Pengesahan atas Laporan Tahunan Perseroan Tahun Buku 2024
Approval and Ratification of the Company's Annual Report for the 2024 Fiscal Year
Keputusan Resolution(s)
1. Menyetujui dan mengesahkan atas Laporan Tahunan Perseroan 1. To approve and ratify the Company’s Annual Report for the
tahun buku 2024, termasuk: 2024 Fiscal Year, including:
a. Laporan Kegiatan Perseroan; a. The Company’s Activity Report;
b. Laporan Tugas Pengawasan Dewan Komisaris Perseroan; b. The Company’s Board of Commissioners’ Supervisory Report;
c. Laporan Keuangan Perseroan. c. The Company’s Financial Statements.
serta pemberian pembebasan dan pelunasan dari tanggung and to grant release and discharge (acquit et decharge) to
jawab (acquit et decharge) kepada para anggota Direksi dan the members of the Company’s Board of Directors and Board
Dewan Komisaris Perseroan sehubungan dengan pengurusan dan of Commissioners in connection with the management and
pengawasan yang dilakukan selama tahun buku 2024. supervision carried out during the 2024 Fiscal Year.
Hasil Pemungutan Suara Voting Results
Disetujui oleh 99,96% pemegang saham dan kuasa pemegang Approved by 99.96% of shareholders and their proxies present.
saham yang hadir.
Realisasi Realization
Telah direalisasikan sepenuhnya Has been fully realized
Tindak Lanjut di Tahun 2025 Follow-up in 2025
1. Penyampaian laporan keuangan yang telah yang disampaikan 1. Submission of the financial statements submitted through the
melalui sistem pelaporan elektronik OJK dan BEI; serta OJK and IDX electronic reporting systems; and
2. Penyampaian Laporan Tahunan 2024 sebagaimana 2. Submission of the 2024 Annual Report as stated in letter
disampaikan dalam surat No. 030/DIR/IV/25 tanggal 25 April No. 030/DIR/IV/25 dated April 25, 2025.
2025.
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Agenda Kedua | Second Agenda
Penetapan Penggunaan Laba Bersih Perseroan Tahun Buku 2024
Allocation of the Company’s Net Income for the 2024 Fiscal Year
Keputusan Resolution(s)
Menyetujui penggunaan laba bersih tahun buku 2024, yaitu: Approved the use of net profit for the 2024 fiscal year, as follows:
• Seluruh laba bersih tahun buku 2024, dibukukan sebagai • All net profit for the 2024 fiscal year will be recorded as retained
saldo laba (laba ditahan); earnings;
• Tidak membagikan dividen tunai kepada para pemegang • No cash dividends will be distributed to the Company’s
saham Perseroan. shareholders.
Hasil Pemungutan Suara Voting Results
Disetujui oleh 99,96% pemegang saham dan kuasa pemegang Approved by 99.96% of shareholders and their proxies present.
saham yang hadir.
Realisasi Realization
Telah direalisasikan sepenuhnya Has been fully realized
Tindak Lanjut di Tahun 2025 Follow-up in 2025
Telah terealisasikan seluruhnya Has been entirely realized
Agenda Ketiga | Third Agenda
Penunjukan Akuntan Publik dan/atau Kantor Akuntan Publik yang akan Mengaudit Laporan Keuangan Perseroan untuk Tahun Buku
2025 dengan Pertimbangan Usulan Dewan Komisaris dan Memperhatikan Rekomendasi Audit.
Appointment of a Public Accountant and/or Public Accounting Firm to Audit the Company’s Financial Statements for the 2025 Fiscal
Year, Taking into Account the Board of Commissioners’ Recommendations and the Audit Recommendations.
Keputusan Resolution(s)
Memberikan kuasa dan wewenang kepada Dewan Komisaris dan Granting power and authority to the Board of Commissioners
pertimbangan Komite Audit untuk menentukan dan menunjuk and the Audit Committee to determine and appoint a Public
Akuntan Publik dan/atau Kantor Akuntan Publik untuk dapat Accountant and/or Public Accounting Firm to audit the Company’s
melakukan audit Laporan Keuangan Perseroan untuk tahun buku Financial Statements for the 2025 Fiscal Year in accordance with
2025 sesuai dengan persyaratan yang telah diusulkan. the proposed requirements.
Hasil Pemungutan Suara Voting Results
Disetujui oleh 100,00% pemegang saham dan kuasa pemegang Approved by 100.00% of shareholders and their proxies present.
saham yang hadir.
Realisasi Implementation
Telah direalisasikan sepenuhnya Fully implemented
Tindak Lanjut di Tahun 2025 Follow-up in 2025
1. Bank Telah menunjuk KAP Suharli Sugiarto & Rekan untuk 1. The Bank has appointed Public Accounting Firm Suharli
mengaudit Laporan Keuangan tahun buku 2024; serta Sugiarto & Rekan to audit the Financial Statements for the
2024 Fiscal Year; and
2. Bank Telah menyampaikan Laporan Evalusasi terhadap 2. The Bank has submitted an Evaluation Report on the
pelaksanaan pemberian jasa audit atas informasi keuangan implementation of audit services for annual historical financial
historis tahunan oleh AP dan KAP No. 034/DIR/VI/25 tanggal information by the Public Accounting Firm and Public
24 Juni 2025. Accounting Firm No. 034/DIR/VI/25 dated June 24, 2025.
Agenda Keempat | Fourth Agenda
Laporan dan pertanggungjawaban realisasi penggunaan dana hasil penambahan modal dengan memberikan hak
memesan efek terlebih dahulu VI Tahun 2024
Report and accountability for the realization of the use of funds from the capital increase by granting preemptive rights
for Issuer VI of 2024
Keputusan Resolution(s)
Menerima dengan baik Laporan Dan Pertanggungjawaban To accept the Report and Accountability Report on the Use of
Realisasi Penggunaan Dana Hasil Penambahan Modal Dengan Proceeds from the Capital Increase with Pre-Emptive Rights VI
Memberikan Hak Memesan Efek Terlebih Dahulu VI Tahun 2024. in 2024.
Hasil Pemungutan Suara Voting Results
Disetujui oleh 100,00% pemegang saham dan kuasa pemegang Approved by 100.00% of shareholders and their proxies present.
saham yang hadir.
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Tata Kelola Perusahaan • Good Corporate Governance
Realisasi Realization
Telah direalisasikan sepenuhnya Has been fully realized.
Tindak Lanjut di Tahun 2025 Follow-up in 2025
Bank telah menyampaikan laporan penggunaan dana hasil The Bank has submitted a report on the use of proceeds from the
penawaran umum Perseroan melalui sistem Pelaporan elektronik Company’s public offering through the OJK and IDX electronic
OJK dan BEI No. 019/DIR/I/25 tanggal 9 Januari 2025. reporting systems, No. 019/DIR/I/25, dated January 9, 2025.
Agenda Kelima | Fifth Agenda
a. Penetapan gaji dan tunjangan dan/atau penghasilan lain bagi anggota Direksi Perseroan untuk tahun buku 2025;
b. Penetapan honorarium dan tunjangan dan/atau penghasilan lain bagi anggota Dewan Komisaris Perseroan untuk tahun buku 2025
a. Determination of salaries, allowances, and/or other income for members of the Company’s Board of Directors for the 2025 Fiscal
Year;
b. Determination of honorariums, allowances, and/or other income for members of the Company’s Board of Commissioners for the
2025 Fiscal Year.
Keputusan Resolution(s)
Menetapkan jumlah maksimum gaji, honorarium, tunjangan To determine the maximum salary, honorarium, allowances, and/or
dan/atau penghasilan lainnya bagi seluruh anggota Direksi other income for all members of the Board of Directors and Board
dan Dewan Komisaris untuk tahun buku 2025 sesuai dengan of Commissioners for the 2025 Fiscal Year, in accordance with the
usulan dari Komite Nominasi dan Remunerasi maksimal sebesar proposal from the Nomination and Remuneration Committee, at
Rp23.862.783.521,00 (dua puluh tiga miliar delapan ratus enam a maximum of IDR23,862,783,521.00 (twenty-three billion eight
puluh dua juta tujuh ratus delapan puluh tiga ribu lima ratus dua hundred sixty-two million seven hundred eighty-three thousand
puluh satu rupiah). five hundred twenty-one rupiah).
Hasil Pemungutan Suara Voting Results
Disetujui oleh 100,00% pemegang saham dan kuasa pemegang Approved by 100.00% of the shareholders and their proxies
saham yang hadir. present.
Realisasi Realization
Telah direalisasikan sepenuhnya Has been fully realized
Tindak Lanjut di Tahun 2025 Follow-up in 2025
Telah direalisasikan sepenuhnya jumlah remunerasi Direksi The remuneration of the Board of Directors and Board of
dan Dewan Komisaris untuk tahun buku 2025 sebesar Commissioners for the 2025 Fiscal Year has been fully realized,
Rp19.958.254.835 (Sembilan Belas Miliar Sembilan Ratus Lima amounting to IDR19,958,254,835 (Nineteen Billion Nine
Puluh Delapan Juta Dua Ratus Lima Puluh Empat Ribu Delapan Hundred Fifty-Eight Million Two Hundred Fifty-Four Thousand
Ratus Tiga Puluh Lima Rupiah). Eight Hundred Thirty-Five Rupiah).
Agenda Keenam | Sixth Agenda
Persetujuan perubahan dan/atau pengangkatan kembali anggota Direksi dan Dewan Komisaris Perseroan.
Approval of changes and/or reappointment of members of the Company’s Board of Directors and Board of
Commissioners.
Keputusan Resolution(s)
a. Menyetujui pengunduran diri Tuan Lee Dae Sung sebagai a. Approving the resignation of Mr. Lee Dae Sung as Director
Direktur Perseroan serta memberikan pembebasan dan of the Company and granting him full release and discharge
pelunasan tanggung jawab sepenuhnya (acquit et de charge) (acquit et de charge) from all management actions of the
kepada yang bersangkutan atas semua tindakan pengurusan Company during his term of office, as reflected in the
Perseroan selama masa jabatannya, sepanjang tercermin Company’s Annual Report and Financial Statements.
dalam Laporan Tahunan dan Laporan Keuangan Perseroan.
b. Mengangkat kembali: b. Reappointing:
- Tuan Taufik Hakim selaku Komisaris Utama (Independen) - Mr. Taufik Hakim as President Commissioner (Independent)
Perseroan; of the Company;
- Tuan Damal Bayu Utama selaku Komisaris Independen - Mr. Damal Bayu Utama as Independent Commissioner of
Perseroan; the Company;
- Tuan Joni Swastanto selaku Komisaris Independen - Mr. Joni Swastanto as Independent Commissioner of the
Perseroan; Company;
- Tuan Alexander Frans Rori selaku Direktur Kepatuhan - Mr. Alexander Frans Rori as Compliance Director of the
Perseroan; Company;
efektif sejak ditutupnya Rapat ini sampai dengan periode yang effective as of the closing of this Meeting until the period
tercantum dalam Anggaran Dasar Perseroan. stated in the Company’s Articles of Association.
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Tata Kelola Perusahaan • Good Corporate Governance
c. Mengangkat: c. Appointing:
- Tuan Park Jin Je sebagai Direktur Perseroan yang telah - Mr. Park Jin Je as Director of the Company, having
memperoleh persetujuan dari OJK sebagaimana tercantum obtained approval from the Financial Services Authority
dalam Surat Keputusan Dewan Komisioner OJK No. (OJK) as stipulated in the Decree of the OJK Board of
KEPR42/D.03/2025 tanggal 26-05-2025 (dua puluh Commissioners No. KEPR42/D.03/2025 dated May 26,
enam Mei dua ribu dua puluh lima), efektif sejak ditutupnya 2025 (the twenty-sixth of May, two thousand and twenty-
Rapat ini sampai dengan periode yang tercantum dalam five), effective as of the closing of this Meeting until the
Anggaran Dasar Perseroan. period stated in the Company’s Articles of Association.
- Tuan Andreas Mikhael Sumual sebagai Direktur Perseroan, - Mr. Andreas Mikhael Sumual as Director of the Company,
efektif setelah mendapat persetujuan dari OJK atas effective upon obtaining approval from the Financial
penilaian kemampuan dan kepatutan (fit and proper test) Services Authority (OJK) for the fit and proper test within
dengan periode yang tercantum dalam Anggaran Dasar the period stated in the Company’s Articles of Association.
Perseroan. Pengangkatan tersebut menjadi batal apabila This appointment shall be void if the person concerned
yang bersangkutan tidak mendapat persetujuan atas does not obtain approval for the fit and proper test from
penilaian kemampuan dan kepatutan (fit and proper test) the Financial Services Authority, and no further resolution
dari Otoritas Jasa Keuangan, dan untuk itu tidak diperlukan of the Company’s General Meeting of Shareholders is
keputusan dari Rapat Umum Pemegang Saham Perseroan required.
kembali.
d. Menetapkan susunan Direksi dan Dewan Komisaris Perseroan d. To determine the composition of the Company’s Board of
adalah sebagai berikut: Directors and Board of Commissioners as follows:
Direksi: Board of Directors:
1. Direktur Utama: Tuan Oh In Taek 1. President Director: Mr. Oh In Taek
2. Direktur: Tuan Park Jin Je 2. Director: Mr. Park Jin Je
3. Direktur: Tuan Edwin Rudianto 3. Director: Mr. Edwin Rudianto
4. Direktur: Tuan Andreas Mikhael Sumual 4. Director: Mr. Andreas Mikhael Sumual
5. Direktur Kepatuhan: Tuan Alexander Frans Rori 5. Compliance Director: Mr. Alexander Frans Rori
Dewan Komisaris: Board of Commissioners:
1. Komisaris Utama (Independen): Tuan Taufik Hakim 1. President Commissioner (Independent): Mr. Taufik Hakim
2. Komisaris: Tuan Ko Dae Jin 2. Commissioner: Mr. Ko Dae Jin
3. Komisaris Independen: Tuan Damal Bayu Utama 3. Independent Commissioner: Mr. Damal Bayu Utama
4. Komisaris Independen: Tuan Joni Swastanto 4. Independent Commissioner: Mr. Joni Swastanto
Masa jabatan: Term of Office:
i) Tuan Taufik Hakim selaku Komisaris Utama (Independen), i) Mr. Taufik Hakim as President Commissioner (Independent),
Tuan Damal Bayu Utama selaku Komisaris Independen, Mr. Damal Bayu Utama as Independent Commissioner,
Tuan Joni Swastanto selaku Komisaris Independen, Tuan Mr. Joni Swastanto as Independent Commissioner, Mr.
Alexander Frans Rori selaku Direktur Kepatuhan, dan Tuan Alexander Frans Rori as Compliance Director, and Mr. Park
Park Jin Je selaku Direktur dengan masa jabatan sesuai Jin Je as Director, with terms of office in accordance with
dengan Anggaran Dasar Perseroan; the Company’s Articles of Association;
ii) Tuan Edwin Rudianto sampai dengan ditutupnya Rapat ii). Mr. Edwin Rudianto until the closing of the Annual General
Umum Pemegang Saham Tahunan tahun 2026 (dua ribu Meeting of Shareholders in 2026 (two thousand twenty-
dua puluh enam); six);
iii) Tuan Oh In Taek selaku Direktur Utama dan Tuan Ko Dae Jin iii) Mr. Oh In Taek as President Director and Mr. Ko Dae Jin
selaku Komisaris sampai dengan ditutupnya Rapat Umum as Commissioner until the closing of the Annual General
Pemegang Saham Tahunan tahun 2027 (dua ribu dua Meeting of Shareholders in 2027 (two thousand twenty-
puluh tujuh); seven);
iv) Tuan Andreas Mikhael Sumual sebagai Direktur Perseroan iv). Mr. Andreas Mikhael Sumual as Director of the Company,
efektif terhitung sejak tanggal surat keputusan atas uji effective as of the date of the decision letter regarding the
kemampuan dan kepatutan (fit and proper test) oleh fit and proper test by the Financial Services Authority, with
Otoritas Jasa Keuangan dengan masa jabatan sesuai a term of office in accordance with the Company’s Articles
dengan Anggaran Dasar Perseroan. of Association.
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e. Memberikan wewenang dan kuasa kepada Direksi Perseroan, e. Granting authority and power to the Company’s Board of
dengan hak substitusi, untuk menuangkan/menyatakan Directors, with the right of substitution, to set forth/declare
keputusan mengenai susunan anggota Direksi dan Dewan decisions regarding the composition of the Company’s Board
Komisaris Perseroan tersebut, dalam akta-akta yang dibuat of Directors and Board of Commissioners in deeds drawn
dihadapan Notaris, termasuk menuangkan/menyatakan up before a Notary, including setting forth/declaring the
susunan Direksi dan Dewan Komisaris Perseroan, baik setelah composition of the Company’s Board of Directors and Board
ditutupnya rapat maupun setelah memperoleh persetujuan of Commissioners, both after the closing of the meeting and
atas penilaian kemampuan dan kepatutan (fit and proper test) after obtaining approval from the Financial Services Authority
dari Otoritas Jasa Keuangan terkait keputusan Rapat ini, dan for the fit and proper test regarding the decisions of this
selanjutnya memberitahukannya pada pihak yang berwenang, Meeting, and subsequently notifying the relevant authorities
serta melakukan semua dan setiap tindakan yang diperlukan and taking all necessary actions in connection with these
sehubungan dengan keputusan tersebut sesuai dengan decisions in accordance with applicable laws and regulations.
peraturan perundang-undangan yang berlaku.
Hasil Pemungutan Suara Voting Results
Disetujui oleh 100,00% pemegang saham dan kuasa pemegang Approved by 100.00% of shareholders and their proxies present.
saham yang hadir.
Realisasi Realization
Telah direalisasikan sepenuhnya Has been fully realized
Tindak Lanjut di Tahun 2025 Follow-up in 2025
Telah direalisasikan sepenuhnya. Dan tela dimuat dalam Akta No. Fully realized. This has been stipulated in Deed No. 264 dated
264 tanggal 20 Juni 2025 dihadapan Notaris Christina Dwi Utami, June 20, 2025, before Notary Christina Dwi Utami, S.H., M.Hum.,
S.H., M.Hum., M.Kn. M.Kn.
Agenda Ketujuh | Seventh Agenda
Persetujuan Rencana Aksi Pemulihan (Recovery Plan) Perseroan.
Approval of the Company’s Recovery Action Plan.
Keputusan Resolution(s)
Menyetujui Rencana Aksi Pemulihan (Recovery Plan) Perseroan. Approval of the Company’s Recovery Action Plan.
Hasil Pemungutan Suara Voting Results
Disetujui oleh 99,99% pemegang saham dan kuasa pemegang Approved by 99.99% of shareholders and their proxies present.
saham yang hadir.
Realisasi Realization
Telah direalisasikan sepenuhnya Has been fully realized
Tindak Lanjut di Tahun 2025 Follow-up in 2025
Rencana Aksi Pemulihan (Recovery Plan) Perseroan telah disetujui The Company’s Recovery Action Plan has been approved by the
oleh Otoritas Jasa Keuangan. Financial Services Authority.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 219
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Tata Kelola Perusahaan • Good Corporate Governance
Hasil Keputusan Rapat dan Realisasi RUPSLB 20 Resolutions and Realization of the EGMS on June
Juni 2025 20, 2025
Agenda Pertama | First Agenda
Persetujuan Perubahan Anggaran Dasar Perseroan
Approval of Amendments to the Company’s Articles of Association
Keputusan Resolution(s)
a. Menyetujui Perubahan Pasal 17 ayat 9 Anggaran Dasar a. Approving the Amendment to Article 17 paragraph 9 of the
Perseroan perihal masa jabatan Direksi dan Pasal 20 ayat Company’s Articles of Association concerning the term of
9 Anggaran Dasar Perseroan perihal masa jabatan Dewan office of the Board of Directors and Article 20 paragraph 9
Komisaris sebagaimana telah dijelaskan dalam Rapat. of the Company’s Articles of Association concerning the term
of office of the Board of Commissioners, as explained in the
Meeting.
b. Menyetujui untuk memberikan wewenang dan kuasa kepada b. Approving the granting of authority and power to the
Direksi Perseroan, baik sendiri-sendiri maupun bersama-sama Company’s Board of Directors, either individually or jointly,
dengan hak substitusi untuk melakukan segala dan setiap with the right of substitution, to take any and all necessary
tindakan yang diperlukan sehubungan dengan keputusan actions in connection with said decisions, including but not
tersebut, termasuk tetapi tidak terbatas untuk menyatakan/ limited to declaring/representing said decisions in deeds
menuangkan keputusan tersebut dalam akta-akta yang dibuat drawn up before a Notary, to amend and/or reformulate the
dihadapan Notaris, untuk mengubah dan/atau menyusun provisions of Article 17 paragraph 9 and Article 20 paragraph
kembali ketentuan Pasal 17 ayat 9 dan Pasal 20 ayat 9 9 of the Company’s Articles of Association, or Article 17
Anggaran Dasar Perseroan atau Pasal 17 dan Pasal 20 and Article 20 of the Company’s Articles of Association as a
Anggaran Dasar Perseroan secara keseluruhan, sebagaimana whole, as required by and in accordance with applicable laws
yang disyaratkan oleh serta sesuai dengan ketentuan peraturan and regulations. Subsequently, the Board of Directors shall
perundang-undangan yang berlaku, yang selanjutnya untuk submit a request for approval and/or submit notification of the
mengajukan permohonan persetujuan dan/atau menyampaikan Meeting’s decisions and/or amendments to the Company’s
pemberitahuan atas keputusan Rapat dan/atau perubahan Articles of Association in the Meeting’s decisions to the
Anggaran Dasar Perseroan dalam keputusan Rapat kepada authorized agencies, and to take any and all necessary actions
instansi yang berwenang, serta melakukan semua dan setiap in accordance with applicable laws and regulations.
tindakan yang diperlukan sesuai dengan peraturan perundang-
undangan yang berlaku.
Hasil Pemungutan Suara Voting Results
Disetujui oleh 100,00% pemegang saham dan kuasa pemegang Approved by 100.00% of shareholders and their proxies present.
saham yang hadir.
Realisasi Realization
Telah direalisasikan sepenuhnya Has been fully realized.
Tindak Lanjut di Tahun 2025 Follow-up in 2025
Bank telah menyampaikan laporan perubahan anggaran dasar The Bank has submitted a report on changes to the company’s
perseroan melalui sistem aplikasi pelaporan OJK dan BEI melalui articles of association through the OJK and IDX reporting
nomor surat 048/DIR/VI/25 tanggal 24 Juni 2025. application systems via letter number 048/DIR/VI/25 dated June
24, 2025.
220 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Pelaksanaan RUPST Tahun Sebelumnya Implementation of the Previous AGMS
RUPST Tanggal 11 Juni 2024 dan Status Tindak AGMS Held on June 11, 2024, and Follow-Up Action
Lanjutnya
Keputusan Resolution
Agenda Pertama
First Agenda
Keputusan: Resolution(s):
Menyetujui dan mengesahkan Laporan Tahunan Bank untuk tahun To approve and ratify the Bank’s Annual Report for the Fiscal Year
buku yang berakhir pada tanggal 31 Desember 2023 termasuk di ending
dalamnya, antara lain: December 31, 2023, including, among other things:
a. Laporan Direksi mengenai keadaan dan jalannya Bank; a. The Board of Directors’ Report on the Bank’s condition and
operations;
b. Laporan Pengawasan Dewan Komisaris; serta b. The Board of Commissioners’ Supervisory Report; and
c. Laporan Keuangan Bank untuk tahun buku 2023 per 31 c. The Bank’s Financial Statements for the 2023 Fiscal Year as
Desember 2023 dan pemberian pembebasan dan pelunasan of December31, 2023, and to grant full release and discharge
dari tanggung jawab sepenuhnya (acquit et decharge) kepada (acquit et decharge)to the Bank’s Board of Directors and Board
Direksi dan Dewan Komisaris Bank sehubungan dengan of Commissioners from their management and supervision
pengurusan dan pengawasan yang dilakukan selama tahun during the 2023 Fiscal Year, provided their actions are reflected
buku 2023 sepanjang tindakannya ternyata di dalam Laporan in the Annual Report prepared in accordance with relevant
Tahunan yang dibuat berdasarkan peraturan-peraturan regulations, including but not limited to the Limited Liability
terkait, termasuk namun tidak terbatas pada Undang-Undang Company Law and OJK Regulations.
Perseroan Terbatas dan Peraturan-Peraturan OJK.
Hasil Pemungutan Suara: Voting Results:
Disetujui oleh 99,99% Pemegang Saham dan Kuasa Pemegang Approved by 99.99% of Shareholders and Shareholder Proxies
Saham yang hadir. present.
Realisasi: Realization:
Telah direalisasikan sepenuhnya Has been fully realized
Tindak Lanjut: Follow Up:
1. Penyampaian Laporan Keuangan yang disampaikan melalui 1. Submission of Financial Reports through the OJK and IDX
sistem pelaporan elektronik OJK dan BEI; serta electronic reporting systems; and
2. Penyampaian Laporan Tahunan tahun 2023 sebagaimana 2. Submission of the 2023 Annual Report as stated in letter No.
disampaikan dalam surat No. 044/DIR/IV/24 tanggal 2 April 044/DIR/IV/24 dated April 2, 2024, through the OJK and IDX
2024 melalui sistem pelaporan elektronik OJK dan BEI. electronic reporting systems.
Agenda Kedua
Second Agenda
Keputusan: Resolution(s):
Menyetujui penggunaan laba bersih tahun buku 2024, yaitu: Approving the use of net profit for the 2024 fiscal year, namely:
a. Seluruh laba bersih tahun buku 2023, dibukukan sebagai saldo a. All net profit for the 2023 fiscal year, recorded as retained
laba (laba ditahan); serta earnings; and
b. Tidak membagikan dividen tunai kepada para pemegang saham b. Not distributing cash dividends to the Company’s shareholders.
Perseroan.
Hasil Pemungutan Suara: Voting Results:
Disetujui oleh 99,99% Pemegang Saham dan Kuasa Pemegang Approved by 99.99% of Shareholders and Shareholder Proxies
Saham yang hadir. present.
Realisasi: Realization:
Telah direalisasikan sepenuhnya Has been fully realized
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 221
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Tata Kelola Perusahaan • Good Corporate Governance
Keputusan Resolution
Agenda Ketiga
Third Agenda
Keputusan: Resolution(s):
Menerima baik Laporan Realisasi Penggunaan Dana Hasil Approved the Report on the Use of Proceeds from the Limited
Penawaran Umum Terbatas V saham Bank (penambahan modal Public Offering of V of the Bank’s shares (capital increase with pre-
dengan hak memesan efek terlebih dahulu). emptive rights).
Hasil Pemungutan Suara: Voting Results:
Disetujui oleh 99,99% Pemegang Saham dan Kuasa Pemegang Approved by 99.99% of the Shareholders and their Proxies present.
Saham yang hadir.
Realisasi: Implementation:
Mata acara RUPS hanya bersifat laporan, sehingga tidak memerlukan The GMS agenda item is for reporting purposes only and does not
tindak lanjut untuk realisasinya. Bank telah menyampaikan Laporan require any follow-up action. The Bank has submitted the Report on
Penggunaan Dana Hasil Penawaran Umum Perseroan melalui the Use of Proceeds from the Company’s Public Offering through
sistem pelaporan elektronik OJK dan BEI. the OJK and IDX electronicreporting systems.
Agenda Keempat
Fourth Agenda
Keputusan: Resolution(s):
Menetapkan jumlah maksimum gaji, honorarium, tunjangan, Determining maximum amount of salary, honorarium, allowances,
dan/atau penghasilan lainnya bagi seluruh anggota Direksi and/or other income for all members of the Board of Directors and
dan Dewan Komisaris untuk tahun buku 2024 sesuai dengan Board of Commissioners for the 2024 fiscal year in accordance with
usulan dari Komite Remunerasi dan Nominasi maksimal sebesar the proposal from the Remuneration and Nomination Committee of
Rp25.850.000.000,00. a maximum of IDR25,850,000,000.00.
Hasil Pemungutan Suara: Voting Results:
Disetujui oleh 99,99% Pemegang Saham dan Kuasa Pemegang Approved by 99.99% of Shareholders and their Proxies present.
Saham yang hadir.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Jumlah remunerasi Direksi Has been fully realized. The total remuneration of the Board of
dan Dewan Komisaris untuk tahun buku 2024 sebesar Directors and Board of Commissioners for the 2024 Fiscal Year is
Rp19.164.590.049,00. IDR19,164,590,049.
Agenda Kelima
Fifth Agenda
Keputusan Resolution(s)
Memberikan kuasa dan wewenang kepada Dewan Komisaris dan Granting the Board of Commissioners and the Audit Committee the
pertimbangan Komite Audit untuk menentukan dan menunjuk power and authority to determine and appoint a Public Accounting
Kantor Akuntan Publik untuk dapat melakukan audit Laporan Firm to audit the Bank’s Financial Statements for the 2024 Fiscal
Keuangan Bank untuk tahun buku 2024 sesuai dengan persyaratan Year in accordance with the proposed requirements.
yang telah diusulkan.
Hasil Pemungutan Suara: Voting Results:
Disetujui oleh 99,99% Pemegang Saham dan Kuasa Pemegang Approved by 99.99% of Shareholders and their Proxies present.
Saham yang hadir.
Realisasi Realization
Telah direalisasikan sepenuhnya Has been fully realized
Tindak Lanjut Follow Up
1. Bank telah menunjuk KAP Suharli Sugiarto & Rekan untuk 1. The Bank has appointed Public Accounting Firm Suharli
mengaudit laporan keuangan tahun buku 2024; serta Sugiarto & Rekan to audit its 2024 financial statements; and
2. Bank telah menyampaikan Laporan Evaluasi keuangan historis 2. The Bank has submitted the Annual Historical Financial
tahunan oleh AP dan KAP No. 026/DIR/VI/24 tanggal 12 Juni Evaluation Report by the Public Accounting Firm and Public
2024. Accounting Firm No. 026/DIR/VI/24 dated June 12, 2024.
222 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Keputusan Resolution
Agenda Keenam
Sixth Agenda
Keputusan Resolution(s)
1. Mengangkat kembali Tuan Lee Dae Sung sebagai Direktur 1. To reappoint Mr. Lee Dae Sung as Director of the Bank, effective
Bank, efektif terhitung sejak ditutupnya Rapat ini dengan masa as of the closing of this Meeting, with a term of office until the
jabatan sampai dengan ditutupnya RUPST pada tahun 2027; closing of the AGMS in 2027;
2. Menetapkan susunan Direksi dan Dewan Komisaris Bank 2. To determine the composition of the Board of Directors and
adalah sebagai berikut: Board of Commissioners of the Bank as follows:
Mengangkat kembali: To reappoint:
Direksi: Board of Directors:
1. Direktur Utama: Tuan Oh In Taek 1. President Director: Mr. Oh In Taek
2. Direktur: Tuan Lee Dae Sung 2. Director: Mr. Lee Dae Sung
3. Direktur: Tuan Edwin Rudianto 3. Director: Mr. Edwin Rudianto
4. Direktur: Nyonya Maria Cortilia Vera Afianti 4. Director: Ms. Maria Cortilia Vera Afianti
5. Direktur Kepatuhan: Tuan Alexander Frans Rori 5. Compliance Director: Mr. Alexander Frans Rori
Dewan Komisaris: Board of Commissioners:
1. Komisaris Utama (Independen): Tuan Taufik Hakim 1. President Commissioner (Independent): Mr. Taufik Hakim
2. Komisaris: Tuan Kang Ho Chang 2. Commissioner: Mr. Kang Ho Chang
3. Komisaris Independen: Tuan Damal Bayu Utama 3. Independent Commissioner: Mr. Damal Bayu Utama
4. Komisaris Independen: Tuan Joni Swastanto 4. Independent Commissioner: Mr. Joni Swastanto
Masa jabatan: Term of Office:
a. Nyonya Maria Cortilia Vera Afianti selaku Direktur, Tuan a. Mrs. Maria Cortilia Vera Afianti as Director, Mr. Alexander
Alexander Frans Rori selaku Direktur Kepatuhan, Tuan Taufik Frans Rori as Compliance Director, Mr. Taufik Hakim as
Hakim selaku Komisaris Utama Independen, Tuan Kang Independent President Commissioner, Mr. Kang Ho Chang
Ho Chang selaku Komisaris, dan Tuan Damal Bayu Utama as Commissioner, and Mr. Damal Bayu Utama and Mr. Joni
serta Tuan Joni Swastanto masing-masing selaku Komisaris Swastanto, each as Independent Commissioners, until the
Independen sampai dengan ditutupnya RUPST pada tahun closing of the 2025 AGMS;
2025;
b. Tuan Edwin Rudianto selaku Direktur sampai dengan b. Mr. Edwin Rudianto as Director until the closing of the 2026
ditutupnya RUPST tahun 2026; AGMS;
c. Tuan Oh In Taek selaku Direktur Utama sampai dengan c. Mr. Oh In Taek as President Director until the closing of the
ditutupnya RUPST tahun 2027; serta 2027 AGMS; and
d. Tuan Lee Dae Sung selaku Direktur sampai dengan d. Mr. Lee Dae Sung as Director until the closing of the 2027
ditutupnya RUPST tahun 2027. AGMS.
3. Memberikan wewenang dan kuasa kepada Direksi, dengan 3. Granting authority and power to the Board of Directors,
hak substitusi, untuk menuangkan/menyatakan keputusan with the right of substitution, to set out/declare the decision
mengenai susunan anggota Direksi dan Dewan Komisaris regarding the composition of the Board of Directors and Board
dalam akta yang dibuat di hadapan Notaris setelah ditutupnya of Commissioners in a deed drawn up before a Notary after
Rapat ini dan selanjutnya memberitahukannya pada pihak the closing of this Meeting and subsequently notifying the
yang berwenang, serta melakukan dan setiap tindakan yang relevant authorities, as well as taking any necessary actions in
diperlukan sehubungan dengan keputusan tersebut sesuai connection with said decision in accordance with applicable
dengan peraturan perundang-undangan yang berlaku. laws and regulations.
Hasil Pemungutan Suara: Voting Results:
Disetujui oleh 99,99% Pemegang Saham dan Kuasa Pemegang Approved by 99.99% of the Shareholders and their Proxies present.
Saham yang hadir.
Realisasi Realization
Telah direalisasikan sepenuhnya Has been fully realized
Tindak Lanjut Follow Up
Telah direalisasikan sepenuhnya. Pengangkatan kembali susunan Has been fully realized. The reappointment of the composition of
anggota Direksi dan Dewan Komisaris telah termuat dalam Akta the Board of Directors and Board of Commissioners has been
No. 23 yang dibuat di hadapan Notaris Gatot Widodo S.E., S.H., stated in Deed No. 23 made before Notary Gatot Widodo S.E.,
M.Kn S.H., M.Kn
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 223
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Tata Kelola Perusahaan • Good Corporate Governance
RUPSLB Tanggal 13 Februari 2024 dan Tindak EGMS Held on February 13, 2024 and Its Follow-Up
Lanjutnya Actions
Keputusan Resolution
Agenda Pertama
First Agenda
Keputusan Resolution(s)
Menyetujui penambahan modal Bank, dengan mengeluarkan Approving the increase in the Bank’s capital by issuing a maximum
saham baru dari portepel dalam jumlah sebanyak-banyaknya of 11,706,543,991 new shares from the portfolio with a nominal
11.706.543.991 saham dengan nilai nominal Rp100,00 per saham. value of IDR100 per share. This issuance of Preemptive Rights
Dengan menerbitkan HMETD dalam rangka PMHMETD dengan (HMETD) in accordance with the Rights Issue, in compliance with
memperhatikan peraturan perundang-undangan yang berlaku dan applicable laws and regulations in the Capital Market, specifically
peraturan yang berlaku di Pasar Modal, khususnya POJK No. 32/ POJK No. 32/POJK.04/2015 and POJK No. 14/ POJK.04/2019,
POJK.04/2015 dan POJK No. 14/POJK.04/2019, termasuk: including:
1. Menyetujui dan merubah ketentuan Anggaran Dasar 1. Approving and amending the provisions of the Articles of
sehubungan dengan peningkatan modal ditempatkan dan Association regarding the increase in the Bank’s issued and
disetor Bank dalam rangka PMHMETD. paid-up capital in connection with the Rights Issue.
2. Memberikan wewenang dan kuasa kepada Direksi dengan hak 2. Granting authority and power to the Board of Directors with the
substitusi untuk melakukan seluruh dan setiap tindakan yang right of substitution to perform all and any necessary actions in
diperlukan sehubungan dengan PMHMETD tersebut, tetapi connection with the Rights Issue, including, but not limited to:
tidak terbatas untuk:
a. Melakukan semua dan setiap tindakan yang diperlukan a. Performing all and any necessary actions in connection with
sehubungan dengan pengeluaran saham baru dalam the issuance of new shares in the Rights Issue;
PMHMETD;
b. Menetapkan jumlah saham yang dikeluarkan, dan b. Determining the number of shares to be issued and
peningkatan modal ditempatkan serta modal disetor setelah increasing the issued and paid-up capital after the
pelaksanaan PMHMETD selesai; completion of the Rights Issue;
c. Melakukan semua dan setiap tindakan yang diperlukan c. Taking all necessary actions in connection with the Rights
sehubungan dengan PMHMETD, tanpa ada suatu tindakan Issue, without exception, all taking into account the laws and
pun yang dikecualikan, kesemuanya dengan memperhatikan regulations applicable in the Capital Market; and
ketentuan hukum dan peraturan yang berlaku di Pasar
Modal; serta
d. Menyatakan/menuangkan keputusan tersebut dalam akta- d. Declaring/recording the decision in deeds drawn up before
akta yang dibuat dihadapan Notaris untuk merubah dan/ a Notary to amend and/or reorganize the provisions of Article
atau menyusun kembali ketentuan Pasal 4 Anggaran 4 of the Articles of Association in their entirety in accordance
Dasar secara keseluruhan sesuai keputusan ini (termasuk with this decision (including confirming the composition
menegaskan susunan Pemegang Saham dalam akta of Shareholders in the deed, if necessary), submitting a
tersebut bilamana diperlukan), mengajukan permohonan request for approval and/or notifying the relevant authorities
persetujuan dan/atau menyampaikan pemberitahuan atas of the decisions of this Meeting and/or the amendments
keputusan Rapat ini dan/atau perubahan Anggaran Dasar to the Articles of Association in this Meeting decision, and
dalam keputusan Rapat ini kepada instansi yang berwenang, taking all necessary actions in accordance with applicable
serta melakukan semua dan setiap tindakan yang diperlukan laws and regulations.
sesuai dengan hukum dan peraturan yang berlaku.
Hasil Pemungutan Suara: Voting Results:
Disetujui oleh 99,99% Pemegang Saham dan Kuasa Pemegang Approved by 99.99% of Shareholders and Shareholder Proxies
Saham yang hadir. present.
Realisasi Realization
Telah direalisasikan sepenuhnya. Penambahan modal Bank Has been fully realized. The increase in the Bank’s capital is
telah termuat dalam Akta No. 73 yang dibuat di hadapan Notaris contained in Deed No. 73 made before Notary Christina Dwi Utami,
Christina Dwi Utami, S.H., M.Hum., M.Kn. S.H., M.Hum., M.Kn.
Tindak Lanjut Follow Up
1. Penyampaian Laporan Keuangan yang disampaikan melalui 1. Submission of Financial Statements through the OJK and IDX
sistem pelaporan elektronik OJK dan BEI; dan electronic reporting systems; and
2. Penyampaian Laporan Tahunan tahun 2023 sebagaimana 2. Submission of the 2023 Annual Report as stated in Letter No.
disampaikan dalam surat No. 044/ DIR/IV/24 tanggal 2 April 044/DIR/IV/24 dated April 2, 2024, through the OJK and IDX
2024 melalui sistem pelaporan elektronik OJK dan BEI. electronic reporting systems.
224 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Keputusan Resolution
Agenda Kedua
Second Agenda
Keputusan Resolution(s)
1. Mengangkat Tuan Oh In Taek sebagai Direktur Utama Bank, 1. To appoint Mr. Oh In Taek as President Director of the Bank,
efektif sejak ditutupnya Rapat ini dengan masa jabatan sampai effective as of the closing of this Meeting, with a term of office
dengan ditutupnya RUPS Tahunan Bank pada tahun 2027. until the closing of the Bank’s Annual General Meeting of
2. Menerima pengunduran diri Tuan Cha Jae Young sebagai Shareholders in 2027.
Direktur Utama dengan pemberian pembebasan dan pelunasan 2. To accept the resignation of Mr. Cha Jae Young as President
tanggung jawab sepenuhnya (acquit et decharge) atas Director, with the granting of a full release and discharge (acquit
tindakannya sepanjang tindakan tersebut tercermin dalam et decharge) for his work, as reflected in the Annual Report, and
Laporan Tahunan serta ucapan terima kasih sebagai Direktur an expression of gratitude as President Director of the Bank,
Utama Bank terhitung sejak ditutupnya Rapat ini. effective as of the closing of this Meeting.
3. Menetapkan susunan Direksi dan Dewan Komisaris Bank 3. To establish the composition of the Bank’s Board of Directors
sebagai berikut: and Board of Commissioners as follows:
Direksi: Board of Directors:
1. Direktur Utama: Tuan Oh In Taek 1. President Director: Mr. Oh In Taek
2. Direktur: Tuan Lee Dae Sung 2. Director: Mr. Lee Dae Sung
3. Direktur: Tuan Edwin Rudianto 3. Director: Mr. Edwin Rudianto
4 Direktur: Nyonya Maria Cortilia Vera Afianti 4. Director: Ms. Maria Cortilia Vera Afianti
5. Direktur Kepatuhan: Tuan Alexander Frans Rori 5. Compliance Director: Mr. Alexander Frans Rori
Dewan Komisaris: Board of Commissioners:
1. Komisaris Utama (Independen): Tuan Taufik Hakim 1. President Commissioner (Independent): Mr. Taufik Hakim
2. Komisaris: Tuan Kang Ho Chang 2. Commissioner: Mr. Kang Ho Chang
3. Komisaris Independen: Tuan Damal Bayu Utama 3. Independent Commissioner: Mr. Damal Bayu Utama
4. Komisaris Independen: Tuan Joni Swastanto 4. Independent Commissioner: Mr. Joni Swastanto
Masa Jabatan: Term of Office:
a. Tuan Lee Dae Sung selaku Direktur sampai dengan a. Mr. Lee Dae Sung as Director until the closing of the 2024
ditutupnya RUPST tahun 2024; AGMS;
b. Nonya Maria Cortilia Vera Afianti selaku Direktur, Tuan b. Ms. Maria Cortilia Vera Afianti as Director, Mr. Alexander
Alexander Frans Rori selaku Direktur Kepatuhan, Tuan Taufik Frans Rori as Compliance Director, Mr. Taufik Hakim as
Hakim selaku Komisaris Utama (Independen), Tuan Kang President Commissioner (Independent), Mr. Kang Ho
Ho Chang selaku Komisaris, serta Tuan Damal Bayu Utama Chang as Commissioner, and Mr. Damal Bayu Utama and
dan Tuan Joni Swastanto masing-masing selaku Komisaris Mr. Joni Swastanto, each as Independent Commissioners,
Independen sampai dengan ditutupnya RUPST tahun 2025; until the closing of the 2025 AGMS;
c. Tuan Edwin Rudianto sampai dengan ditutupnya RUPST c. Mr. Edwin Rudianto until the closing of the 2026 AGMS;
tahun 2026; serta and
d. Tuan Oh In Taek sampai dengan ditutupnya RUPST tahun d. Mr. Oh In Taek until the closing of the 2027 AGMS.
2027.
4. Memberikan wewenang dan kuasa kepada Direksi dengan 4. Granting authority and power of attorney to the Board of
hak substitusi untuk menuangkan/menyatakan keputusan Directors, with the right of substitution, to set out/declare the
mengenai susunan anggota Direksi dalam akta yang dibuat decision regarding the composition of the Board of Directors
dihadapan Notaris setelah ditutupnya Rapat ini dan selanjutnya in a deed drawn up before a Notary after the closing of this
memberitahukannya pada pihak yang berwenang, serta Meeting and subsequently notifying the relevant authorities, and
melakukan seluruh dan setiap tindakan yang diperlukan to take all necessary actions in connection with said decision in
sehubungan dengan keputusan tersebut sesuai dengan accordance with applicable laws and regulations.
peraturan perundang-undangan yang berlaku.
Hasil Pemungutan Suara: Voting Results:
Disetujui oleh 100% Pemegang Saham dan Kuasa Pemegang Approved by 100% of the Shareholders and their Proxies present.
Saham yang hadir.
Realisasi Realization:
Telah direalisasikan sepenuhnya. Perubahan dan pengangkatan Fully implemented. The changes and reappointment of the Board
kembali susunan anggota Direksi dan Dewan Komisaris telah of Directors and Board of Commissioners are reflected in Deed
termuat dalam Akta No. 74 yang dibuat di hadapan Notaris Christina No. 74, drawn up before Notary Christina Dwi Utami, S.H., M.Hum.,
Dwi Utami, S.H., M.Hum., M.Kn. M.Kn.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 225
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Tata Kelola Perusahaan • Good Corporate Governance
RUPSLB Tanggal 11 Juni 2024 dan Tindak Lanjutnya EGMS Held on June 11, 2024 and Its Follow-Up
Actions
Keputusan Resolution
Agenda Pertama
First Agenda
Keputusan: Resolutions:
1. Menyetujui atas pengalihan saham hasil pelaksanaan pembelian 1. Approving the transfer of shares from the execution of
kembali saham, dengan jumlah 20.158.930 saham, melalui share buyback, totaling 20,158,930 shares, through the
pelaksanaan Program Kepemilikan Saham Karyawan (Employee implementation of Employee Shares Ownership Program
Shares Ownership Program atau ESOP); serta (ESOP); and
2. Memberikan wewenang dan kuasa kepada Direksi Bank untuk 2. Granting authority and power to the Bank’s Board of Directors
melaksanakan seluruh dan setiap tindakan yang diperlukan to take all and any necessary actions in connection with the
sehubungan dengan pelaksanaan ESOP, termasuk tetapi tidak implementation of ESOP, including but not limited to:
terbatas untuk:
a. Menentukan kriteria dan syarat bagi karyawan yang berhak a. Determine the criteria and conditions for employees
mendapatkan saham Bank yang berasal dari saham hasil entitled to obtain the Bank’s shares originating from the
pelaksanaan pembelian kembali saham; execution of share buyback;
b. Menentukan jumlah saham yang akan dibagikan kepada b. Determine the number of shares to be distributed to
peserta ESOP dalam setiap tahap dan harga pelaksanaan ESOP participants in each stage and the exercise price by
dengan mengacu pada ketentuan dan/atau peraturan pasar referring to the applicable capital market provisions and/or
modal yang berlaku; serta regulations; and
c. Mengumumkan tentang pelaksanaan program dan sisa c. Announce the implementation of program, the remaining
saham hasil pelaksanaan pembelian kembali saham, serta shares from the execution of share buyback, and the
pengalihan sisa saham hasil pelaksanaan pembelian kembali transfer of remaining shares from the execution of share
saham sehubungan dengan pelaksanaan ESOP dengan buyback in connection with ESOP implementation in
mematuhi ketentuan peraturan yang berlaku. compliance with the applicable regulatory provisions.
Hasil Pemungutan Suara: Voting Results:
Disetujui oleh 99,99% Pemegang Saham dan Kuasa Pemegang Approved by 99.99% of Shareholders and their Proxies present.
Saham yang hadir.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Bank telah menyampaikan Has been fully realized. The Bank submitted the Disclosure of
Keterbukaan Informasi laporan Hasil Pelaksanaan Konversi ESOP Information on report of ESOP MSOP Conversion Results on
MSOP pada tanggal 8 Oktober 2024. October 8, 2024.
Hasil Keputusan dan Realisasi RUPSLB 3 Resolutions and Realization of the EGMS on
September 2024 September 3, 2024
Keputusan Resolution
Agenda Pertama
First Agenda
Keputusan: Resolutions:
1. Menerima pengunduran diri Tuan Kang Ho Chang sebagai 1. Accepting the resignation of Mr. Kang Ho Chang as
Komisaris, dengan memberikan pembebasan dan pelunasan Commissioner, by granting full release and discharge (acquit et
tanggung jawab sepenuhnya (acquit et decharge) atas decharge) for his actions as long as these actions are reflected
tindakannya sepanjang tindakan tersebut tercermin dalam in the Annual Report, and expressing gratitude as Commissioner
Laporan Tahunan serta ucapan terima kasih sebagai Komisaris of the Company, effective as of the closing of this Meeting;
Perseroan, terhitung sejak ditutupnya Rapat ini; 2. Appointing Mr. Ko Dae Jin as Commissioner of the Company,
2. Mengangkat Tuan Ko Dae Jin sebagai Komisaris Perseroan, effective after obtaining approval from Financial Services
efektif setelah mendapat persetujuan dari Otoritas Jasa Authority (OJK) for the fit & proper test, with term of office
Keuangan (OJK) atas penilaian kemampuan dan kepatutan (fit until the closing of the Company’s Annual General Meeting of
and proper test) dengan masa jabatan sampai ditutupnya Rapat Shareholders held in 2027. The appointment becomes void if
226 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Keputusan Resolution
pada tahun 2027. Pengangkatan tersebut menjadi batal apabila the person concerned does not obtain approval for the fit and
yang bersangkutan tidak mendapat persetujuan atas penilaian proper test from OJK, and if so, a resolution from the Company’s
kemampuan dan kepatutan (fit and proper test) dari OJK, General Meeting of Shareholders is not required;
dan untuk itu tidak diperlukan keputusan dari Rapat Umum
Pemegang Saham Perseroan kembali;
3. Menetapkan susunan Direksi dan Dewan Komisaris Perseroan 3. Establishing the composition of the Company’s Board of
adalah sebagai berikut: Directors and Board of Commissioners as follows:
Direksi Board of Directors
Direktur Utama Direktur: Tuan Oh In Taek President Director : Mr. Oh In Taek
Direktur: Tuan Lee Dae Sung Director : Mr. Lee Dae Sung
Direktur: Tuan Edwin Rudianto Director : Mr. Edwin Rudianto
Direktur: Nyonya Maria Cortilia Vera Afianti Director : Ms. Maria Cortilia Vera Afianti
Direktur Kepatuhan: Tuan Alexander Frans Rori Compliance Director : Mr. Alexander Frans Rori
Dewan Komisaris Board of Commissioners
Komisaris Utama (Independen): Tuan Taufik Hakim President Commissioner (Independent) : Mr. Taufik Hakim
Komisaris: Tuan Ko Dae Jin Commissioner : Mr. Ko Dae Jin
Komisaris Independen: Tuan Damal Bayu Utama Independent Commissioner : Mr. Damal Bayu Utama
Komisaris Independen: Tuan Joni Swastanto Independent Commissioner : Mr. Joni Swastanto
Masa jabatan: Term of office:
a. Nyonya Maria Cortilia Vera Afianti selaku Direktur, Tuan a. Ms. Maria Cortilia Vera Afianti as Director, Mr. Alexander
Alexander Frans Rori selaku Direktur Kepatuhan, Tuan Taufik Frans Rori as Compliance Director, Mr. Taufik Hakim as
Hakim selaku Komisaris Utama Independen, Tuan Damal Independent President Commissioner, Mr. Damal Bayu
Bayu Utama dan Tuan Joni Swastanto masing-masing Utama as well as Mr. Joni Swastanto each as Independent
selaku Komisaris Independen sampai dengan ditutupnya Commissioner until the closing of the 2025 AGMS;
RUPST pada tahun 2025;
b. Tuan Edwin Rudianto selaku Direktur sampai dengan b. Mr. Edwin Rudianto as Director until the closing of the
ditutupnya RUPST tahun 2026; 2026 AGMS;
c. Tuan Oh In Taek selaku Direktur Utama dan Tuan Lee Dae c. Mr. Oh In Taek as President Director and Mr. Lee Dae Sung
Sung selaku Direktur sampai dengan ditutupnya RUPST as Director until the closing of the 2027 AGMS; and
tahun 2027; serta
d. Tuan Ko Dae Jin selaku Komisaris efektif terhitung sejak d. Mr. Ko Dae Jin as Commissioner effective as of the date
tanggal surat keputusan atas uji kemampuan dan kepatutan of decision letter on fit and proper test by OJK until the
(fit and proper test) oleh OJK sampai dengan ditutupnya closing of the 2027 AGMS;
RUPST pada tahun 2027;
4. Memberikan wewenang dan kuasa kepada Direksi Perseroan, 4. Granting authority and power to the Company’s Board of
dengan hak substitusi, untuk menuangkan/menyatakan Directors, with substitution rights, to declare/state resolutions
keputusan mengenai susunan anggota Direksi dan Dewan on the composition of the Company’s Board of Directors and
Komisaris Perseroan tersebut, dalam akta-akta yang dibuat Board of Commissioners, in a deed made before a Notary,
dihadapan Notaris, termasuk menuangkan/menyatakan including declaring/stating the composition of the Company’s
susunan Direksi dan Dewan Komisaris Perseroan, baik Board of Directors and Board of Commissioners, either after
setelah ditutupnya Rapat ini maupun setelah memperoleh the closing of this Meeting or after obtaining approval for the
persetujuan atas penilaian kemampuan dan kepatutan (fit fit and proper test from OJK on this Meeting resolution, to
and proper test) dari OJK terkait keputusan Rapat ini, dan subsequently notify competent authorities, and to take all and
selanjutnya memberitahukannya pada pihak yang berwenang, any necessary actions in connection with the resolution in
serta melakukan semua dan setiap tindakan yang diperlukan accordance with the applicable laws and regulations.
sehubungan dengan keputusan tersebut sesuai dengan
peraturan perundang-undangan yang berlaku.
Hasil Pemungutan Suara: Voting Results:
Disetujui oleh 99,99% Pemegang Saham dan Kuasa Pemegang Approved by 99.99% of Shareholders and their Proxies present.
Saham yang hadir.
Realisasi: Realization:
Telah direalisasikan sepenuhnya. Perubahan dan pengangkatan Has been fully realized. Changes and reappointments to the
kembali susunan anggota Direksi dan Dewan Komisaris telah composition of the Board of Directors and Board of Commissioners
termuat dalam Akta No. 23 yang dibuat di hadapan Notaris Gatot have been contained in Deed No. 23 made before Notary Gatot
Widodo, S.E., S.H., M.Kn. Widodo, S.E., S.H., M.Kn.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 227
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Tata Kelola Perusahaan • Good Corporate Governance
Direksi [GRI 2-11]
Board of Directors
Direksi merupakan organ eksekutif tertinggi Bank yang The Board of Directors is the Bank's highest executive body,
memegang tanggung jawab penuh atas pengurusan dan fully responsible for the management and administration
pengelolaan operasional harian, sejalan dengan kebijakan of daily operations, in line with the policies and strategies
dan strategi yang ditetapkan oleh RUPS. Direksi memiliki established by the GMS. The Board of Directors has the
kewenangan untuk mengelola sumber daya, mengawasi authority to manage resources, oversee the implementation
pelaksanaan seluruh kegiatan operasional, serta of all operational activities, and ensure compliance with
memastikan kepatuhan terhadap peraturan perundang- applicable laws and regulations.
undangan yang berlaku.
Selain itu, Direksi bertanggung jawab menyusun dan Furthermore, the Board of Directors is responsible for
menyampaikan Laporan Keuangan Tahunan kepada preparing and submitting the Annual Financial Report
Pemegang Saham melalui RUPS, sekaligus memelihara to Shareholders through the GMS, while maintaining
hubungan yang konstruktif dengan seluruh pemangku constructive relationships with all stakeholders. In this
kepentingan. Dengan peran ini, Direksi menjadi penggerak role, the Board of Directors is the primary driver ensuring
utama yang menjamin operasional Bank berjalan secara the Bank's operations run efficiently, transparently, and
efisien, transparan, dan berkelanjutan. sustainably.
Pedoman Kerja Direksi Board of Directors Charter
Bank memiliki Pedoman dan Tata Tertib Kerja Direksi yang The Bank has a Board of Directors Charter, established
ditetapkan melalui Kebijakan dan Prosedur Pedoman Tata through the Board of Directors Charter, last updated on
Tertib Kerja Direksi diperbarui terakhir pada 23 September September 23, 2025. These guidelines are designed to
2025. Pedoman ini disusun untuk memberikan kerangka provide a clear framework for the Board of Directors to carry
kerja yang jelas bagi Direksi dalam menjalankan perannya out their roles consistently, professionally, and accountably.
secara konsisten, profesional, dan akuntabel.
Sejalan dengan POJK No. 17 Tahun 2023 tentang In line with OJK Regulation No. 17 of 2023 concerning
Penerapan Tata Kelola bagi Bank Umum, pedoman ini the Implementation of Good Corporate Governance
menjadi landasan bagi Direksi dalam melaksanakan seluruh for Commercial Banks, these guidelines serve as the
fungsi dan tanggung jawabnya. Dengan adanya Pedoman foundation for the Board of Directors in carrying out
dan Tata Tertib Kerja Direksi, seluruh anggota Direksi all its functions and responsibilities. With the Board of
diarahkan untuk mengelola operasional Bank secara efektif, Directors' Guidelines and Work Procedures, all members
mengambil keputusan strategis yang tepat, serta menjaga of the Board of Directors are directed to manage the
kepatuhan terhadap peraturan dan standar industri. Bank's operations effectively, make appropriate strategic
decisions, and maintain compliance with regulations and
industry standards.
Secara rinci, pedoman ini mencakup hal-hal sebagai Specifically, these guidelines cover the following:
berikut:
1. Pendahuluan; 1. Introduction;
2. Prinsip Tata Kelola; 2. Governance Principles;
3. Keanggotaan dan Etika Kerja Direksi; 3. Membership and Work Ethics of the Board of
Directors;
4. Tugas dan Wewenang; 4. Duties and Authorities;
5. Ketentuan Rapat Direksi; 5. Provisions for Board of Directors Meetings;
6. Evaluasi Kinerja Direksi; 6. Evaluation of Board of Directors' Performance;
7. Organ dan Komite Pendukung Direksi; 7. Organs and Supporting Committees of the Board of
Directors;
228 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
8. Benturan Kepentingan; 8. Conflict of Interest;
9. Pelimpahan Tugas dan Tanggung Jawab Direktur; dan 9. Delegation of Directors' Duties and Responsibilities;
and
10. Penutup. 10. Closing.
Pokok-pokok yang diatur dalam Pedoman dan Tata Tertib The main points stipulated in the Bank's Board of Directors'
Kerja Direksi Bank telah memenuhi ketentuan POJK yang Guidelines and Work Procedures comply with the
mengatur hal-hal sebagai berikut: provisions of the Financial Services Authority Regulation
(POJK), which regulate the following matters:
a. Pengorganisasian Bank dan Pembidangan Tugas a. Organization of the Bank and Division of Directors'
Direksi; Duties;
b. Tugas, Tanggung Jawab, dan Wewenang Direksi; b. Duties, Responsibilities, and Authorities of the Board
of Directors;
c. Pengaturan Kewenangan dan Prosedur Keputusan c. Regulation of Authority and Decision-Making
Direksi; Procedures of the Board of Directors;
d. Pengaturan Etika Kerja Direksi; d. Regulation of Board of Directors' Work Ethics;
e. Pengaturan Rapat Direksi; e. Regulation of Board of Directors Meetings;
f. Larangan Terhadap Direksi; f. Prohibitions on Board of Directors;
g. Evaluasi Kinerja Direksi; dan g. Evaluation of Board of Directors' Performance; and
h. Pola Hubungan Kerja Direksi dan Dewan Komisaris. h. Working Relationship Pattern between the Board of
Directors and the Board of Commissioners.
Sebagai bentuk keterbukaan kepada seluruh pemangku As a form of transparency to all stakeholders, the
kepentingan, Bank mempublikasikan Pedoman dan Tata Bank publishes the Board of Directors' Guidelines and
Tertib Kerja Direksi pada situs web resmi yang dapat Work Procedures on its official website, accessible at:
diakses di: https://ibk.co.id. Langkah ini merupakan bagian https://ibk.co.id. This step is part of the consistent
dari penerapan praktik GCG secara konsisten. implementation of GCG practices.
Jumlah, Komposisi, dan Independensi Number, Composition, and Independence
Direksi of the Board of Directors
Jumlah Number
Susunan Direksi Bank terdiri dari 5 (lima) orang atau The Bank's Board of Directors consists of 5 (five) members,
melebihi ketentuan minimum yang ditetapkan dalam POJK exceeding the minimum requirement stipulated in OJK
No. 17 Tahun 2023 tentang Penerapan Tata Kelola bagi Regulation No. 17 of 2023 concerning the Implementation
Bank Umum, yang mensyaratkan minimal 3 (tiga) orang. of Good Corporate Governance for Commercial Banks,
Struktur ini dirancang untuk mendukung pembagian which requires a minimum of 3 (three) members. This
tanggung jawab yang optimal serta efektivitas pengambilan structure is designed to support optimal division of
keputusan di tingkat eksekutif. responsibilities and effective decision-making at the
executive level.
Komposisi dan Masa Jabatan Composition and Term of Office
Proses pengangkatan dan pemberhentian anggota Direksi The appointment and dismissal of members of the Bank's
Bank dilakukan melalui mekanisme RUPS. Kebijakan Board of Directors is carried out through the GMS. Policies
terkait pengangkatan Direksi senantiasa memperhatikan regarding the appointment of Directors consistently adhere
ketentuan yang berlaku dalam Anggaran Dasar Bank, to the provisions of the Bank's Articles of Association, the
Pedoman dan Tata Tertib Kerja Direksi, serta peraturan Board of Directors' Guidelines and Work Procedures, and
perundang-undangan yang relevan. relevant laws and regulations.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 229
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Tata Kelola Perusahaan • Good Corporate Governance
Masa jabatan anggota Direksi adalah 5 (lima) tahun dan The term of office for members of the Board of Directors
dapat diangkat kembali untuk periode berikutnya, dengan is 5 (five) years and may be reappointed for subsequent
mempertimbangkan efektivitas dan efisiensi pelaksanaan terms, taking into account the effectiveness and efficiency
tugas serta kompleksitas operasional Bank. of task implementation and the complexity of the Bank's
operations.
Kronologis susunan Direksi Bank sepanjang tahun 2025, The chronology of the composition of the Bank's Board of
adalah sebagai berikut: Directors throughout 2025 is as follows:
Periode 1 Januari 2025-20 Juni 2025
Period of January 1, 2025-June 20, 2025
Dasar Hukum
Periode
Nama Jabatan Pengangkatan Persetujuan Otoritas Jasa Keuangan
Jabatan
Name Position Legal Basis of FSA Approval
Term of Office
Appointment
Oh In Taek Direktur Utama Akta Pernyataan Salinan Keputusan Anggota Dewan Sampai dengan
President Keputusan Rapat Komisioner Otoritas Jasa Keuangan ditutupnya RUPST
Director Perseroan No. 74 No. KEPR-161/D.03/2023 tanggal 13 pada tahun 2027.
tanggal 13 Februari Desember 2023 tentang Hasil Penilaian Until the closing of
2024. Kemampuan dan Kepatutan. the AGMS in 2027.
Deed of Meeting Copy of the Decision of the Members of the
Resolutions of the Board of Commissioners of the Financial
Company No. 74 dated Services Authority No. KEPR-161/D.03/2023
February 13, 2024. dated December 13, 2023 concerning the
Results of the Fit and Proper Assessment.
Lee Dae Sung Direktur Akta Pernyataan Salinan Keputusan Anggota Dewan Komisioner Sampai dengan
Director Keputusan Rapat Otoritas Jasa Keuangan No. KEP-39/ ditutupnya RUPST
Perseroan No. 11 PB.1/2021 tanggal 28 Mei 2021 tentang Hasil pada tahun 2027.
tanggal 11 Juni 2024. Penilaian Kemampuan dan Kepatutan. Until the closing of
Deed of Meeting Copy of Decision of the Members of the Board the AGMS in 2027.
Resolutions of the of Commissioners of the Financial Services
Company No. 11 dated Authority No. KEP-39/PB.1/2021 dated May
June 11, 2024. 28, 2021, concerning the Results of the Fit and
Proper Test.
Edwin Rudianto Direktur Akta Pernyataan Salinan Keputusan Anggota Dewan Sampai dengan
Director Keputusan Rapat Komisioner Otoritas Jasa Keuangan No. KEP- ditutupnya RUPST
Perseroan No. 133 18/D.03/2023 tanggal 9 Februari 2023 tentang pada tahun 2026.
tanggal 27 Februari Hasil Penilaian Kemampuan dan Kepatutan. Until the closing of
2023. Copy of Decision of the Members of the Board the AGMS in 2026.
Deed of Meeting of Commissioners of the Financial Services
Resolutions of the Authority No. KEP-18/D.03/2023 dated
Company No. 133 February 9, 2023, concerning the Results of the
dated February 27, Fit and Proper Test.
2023.
Maria Cortilia Direktur Akta Pernyataan Salinan Keputusan Anggota Dewan Sampai dengan
Vera Afianti Director Keputusan Rapat Komisioner Otoritas Jasa Keuangan No. KEP- ditutupnya RUPST
Perseroan No. 20 150/D.03/2019 tanggal 14 Agustus 2019 pada tahun 2025.
tanggal 3 Juni 2022. tentang Hasil Penilaian Kemampuan dan Until the closing of
Deed of Meeting Kepatutan. the AGMS in 2025.
Resolutions of the Copy of Decision of the Members of the Board
Company No. 20 dated of Commissioners of the Financial Services
June 3, 2022. Authority No. KEP-150/D.03/2019 dated
August 14, 2019, concerning the Results of the
Fit and Proper Test.
230 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Dasar Hukum
Periode
Nama Jabatan Pengangkatan Persetujuan Otoritas Jasa Keuangan
Jabatan
Name Position Legal Basis of FSA Approval
Term of Office
Appointment
Alexander Frans Direktur Akta Pernyataan Salinan Keputusan Anggota Dewan Paling lama sampai
Rori Kepatuhan Keputusan Rapat Komisioner Otoritas Jasa Keuangan No. KEP- dengan ditutupnya
Compliance Perseroan No. 264 148/D.03/2019 tanggal 14 Agustus 2019 RUPST pada tahun
Director tanggal 20 Juni 2025. tentang Hasil Penilaian Kemampuan dan 2030.
Deed of Meeting Kepatutan. Until the conclusion
Resolutions of the Copy of Decision of the Members of the Board the closing of the
Company No. 264 of Commissioners of the Financial Services AGMS in 2030.
dated June 20, 2025. Authority No. KEP-148/D.03/2019 dated
August 14, 2019, concerning the Results of the
Fit and Proper Test.
Periode 20 Juni 2025-31 Desember 2025
Period of Juni 20, 2025-Desember 31, 2025
Dasar Hukum
Periode
Nama Jabatan Pengangkatan Persetujuan Otoritas Jasa Keuangan
Jabatan
Name Position Legal Basis of FSA Approval
Term of Office
Appointment
Oh In Taek Direktur Utama Akta Pernyataan Salinan Keputusan Anggota Dewan Sampai dengan
President Keputusan Rapat Komisioner Otoritas Jasa Keuangan No. ditutupnya RUPST
Director Perseroan No. 74 KEPR-161/D.03/2023 tanggal 13 Desember pada tahun 2027.
tanggal 13 Februari 2023 tentang Hasil Penilaian Kemampuan dan Until the closing of
2024. Kepatutan. the AGMS in 2027.
Deed of Meeting Copy of Decision of the Members of the Board
Resolutions of the of Commissioners of the Financial Services
Company No. 74 dated Authority No. KEPR-161/D.03/2023 dated
February 13, 2024. December 13, 2023, concerning the Results of
the Fit and Proper Test.
Park Jin Je Direktur Akta Pernyataan Surat Salinan Keputusan Anggota Dewan Paling lama sampai
Director Keputusan Rapat Komisioner Otoritas Jasa Keuangan No. KEPR- dengan ditutupnya
Perseroan No. 264 42/D.03/2025 tanggal 26 Mei 2025 tentang RUPST pada tahun
tanggal 20 Juni 2025. Hasil Penilaian Kemampuan dan Kepatutan. 2030.
Deed of Meeting Copy of Decision of the Members of the Board Until the conclusion
Resolutions of the of Commissioners of the Financial Services the closing of the
Company No. 264 Authority No. KEPR-42/D.03/2025 dated May AGMS in 2030.
dated June 20, 2025. 26, 2025, concerning the Results of the Fit and
Proper Test.
Edwin Rudianto Direktur Akta Pernyataan Salinan Keputusan Anggota Dewan Sampai dengan
Director Keputusan Rapat Komisioner Otoritas Jasa Keuangan No. KEP- ditutupnya RUPST
Perseroan No. 133 18/D.03/2023 tanggal 9 Februari 2023 tentang pada tahun 2026.
tanggal 27 Februari Hasil Penilaian Kemampuan dan Kepatutan. Until the closing of
2023. Copy of Decision of the Members of the Board the AGMS in 2026.
Deed of Meeting of Commissioners of the Financial Services
Resolutions of the Authority No. KEP-18/D.03/2023 dated
Company No. 133 February 9, 2023, concerning the Results of the
dated February 27, Fit and Proper Test.
2023.
Andreas Mikhael Direktur Akta Pernyataan Surat Salinan Keputusan Anggota Dewan Paling lama sampai
Sumual Director Keputusan Rapat Komisioner Otoritas Jasa Keuangan No. dengan ditutupnya
Perseroan No. 264 KEPR-141/D.03/2025 tanggal 10 September RUPST pada tahun
tanggal 20 Juni 2025. 2025 tentang Hasil Penilaian Kemampuan dan 2030.
Deed of Meeting Kepatutan. Until the conclusion
Resolutions of the Copy of Decision of the Members of the Board the closing of the
Company No. 264 of Commissioners of the Financial Services AGMS in 2030.
dated June 20, 2025. Authority No. KEPR-141/D.03/2025 dated
September 10, 2025, concerning the Results of
the Fit and Proper Test.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 231
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Tata Kelola Perusahaan • Good Corporate Governance
Dasar Hukum
Periode
Nama Jabatan Pengangkatan Persetujuan Otoritas Jasa Keuangan
Jabatan
Name Position Legal Basis of FSA Approval
Term of Office
Appointment
Alexander Frans Direktur Akta Pernyataan Salinan Keputusan Anggota Dewan Paling lama sampai
Rori Kepatuhan Keputusan Rapat Komisioner Otoritas Jasa Keuangan No. KEP- dengan ditutupnya
Compliance Perseroan No. 264 148/D.03/2019 tanggal 14 Agustus 2019 RUPST pada tahun
Director tanggal 20 Juni 2025. tentang Hasil Penilaian Kemampuan dan 2030.
Deed of Meeting Kepatutan. Until the conclusion
Resolutions of the Copy of Decision of the Members of the Board the closing of the
Company No. 264 of Commissioners of the Financial Services AGMS in 2030.
dated June 20, 2025. Authority No. KEP-148/D.03/2019 dated
August 14, 2019 concerning the Results of the
Fit and Proper Assessment.
Independensi Direksi Independence of the Board of Directors
Dalam menjalankan fungsi pengurusan dan pengelolaan In carrying out their management and administration
Bank, Direksi bertindak secara mandiri dan independen, functions for the Bank, the Board of Directors acts
tanpa tekanan, intervensi, maupun pengaruh yang dapat independently and independently, without pressure,
menyebabkan benturan kepentingan. Setiap keputusan intervention, or influence that could lead to a conflict of
yang diambil Direksi didasarkan pada pertimbangan interest. Every decision made by the Board of Directors
yang rasional, kepentingan terbaik Perseroan, serta is based on rational considerations, the best interests of
mengedepankan prinsip kehati-hatian dan kepatuhan the Company, and prioritizes the principle of prudence and
terhadap ketentuan yang berlaku. compliance with applicable regulations.
Bank memastikan bahwa anggota Direksi tidak memiliki The Bank ensures that members of the Board of Directors
hubungan keuangan, kepengurusan, kepemilikan saham, have no financial, management, share ownership, or family
atau hubungan keluarga sampai dengan derajat tertentu relationships to any degree with members of the Board of
dengan anggota Dewan Komisaris, pemegang saham Commissioners, controlling shareholders, or other parties
pengendali, maupun pihak lain yang dapat memengaruhi that could affect their independence in decision-making.
independensinya dalam mengambil keputusan.
Penilaian Kemampuan dan Kepatutan Fit and Proper Test of the Board of
Direksi Directors
Setiap calon anggota Direksi Bank hanya dapat Each prospective member of the Bank's Board of
menjalankan tugas, wewenang, dan tanggung jawabnya Directors may only carry out their duties, authorities, and
setelah memperoleh persetujuan dari OJK. Ketentuan responsibilities after obtaining approval from the Financial
ini selaras dengan POJK No. 27/POJK.03/2016 tentang Services Authority (OJK). This provision aligns with OJK
Penilaian Kemampuan dan Kepatutan bagi Pihak Utama Regulation No. 27/POJK.03/2016 concerning the Fit and
Lembaga Jasa Keuangan, yang bertujuan untuk memastikan Proper Test for Key Parties of Financial Services Institutions,
bahwa calon Direksi memenuhi persyaratan integritas, which aims to ensure that prospective Directors meet
kompetensi, dan reputasi keuangan yang memadai. the requirements of integrity, competence, and adequate
financial reputation.
Penilaian Kemampuan dan Kepatutan (Fit and Proper Test) The Fit and Proper Test is conducted through a
dilakukan melalui evaluasi menyeluruh atas aspek integritas, comprehensive evaluation of integrity, competence, and
kompetensi, serta kepatuhan terhadap ketentuan peraturan compliance with applicable laws and regulations. It serves
perundang-undangan yang berlaku, sebagai dasar bagi as the basis for the OJK's approval of the appointment of
OJK dalam memberikan persetujuan atas pengangkatan members of the Board of Directors.
anggota Direksi.
Berikut adalah daftar anggota Direksi Bank yang telah The following is a list of members of the Bank's Board of
dinyatakan lulus Penilaian Kemampuan dan Kepatutan Directors who have passed the Fit and Proper Test without
tanpa catatan serta telah memperoleh persetujuan dari any exceptions and have received OJK approval:
OJK:
232 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Susunan Anggota Direksi Bank per 31 Desember 2025
Composition of the Bank’s Board of Directors as of December 31, 2025
Tanggal Efektif Berdasarkan Surat
Nama Jabatan Pelaksana Hasil
OJK
Name Position Implementor Result
Effective Date Based on OJK Letter
Oh In Taek Direktur Utama OJK Lulus No. KEPR-161/D.03/2023 tanggal
President Director Passed 13 Desember 2023
No. KEPR-161/D.03/2023 dated December
13, 2023
Park Jin Je Direktur OJK Lulus No. KEPR-42/D.03/2025 tanggal 26 Mei
Director Passed 2025
No. KEPR-42/D.03/2025 dated May 26,
2025
Edwin Rudianto Direktur OJK Lulus No. KEP-18/D.03/2023 tanggal 9 Februari
Director Passed 2023
No. KEP-18/D.03/2023 dated February 9,
2023
Andreas Mikhael Direktur OJK Lulus No. KEPR-141/D.03/2025 tanggal 10
Sumual Director Passed September 2025
No. KEPR-141/D.03/2025 dated September
10, 2025
Alexander Frans Direktur Kepatuhan OJK Lulus No. KEP-148/D.03/2019 tanggal 14 Agustus
Rori Compliance Director Passed 2019
No. KEP-148/D.03/2019 dated August 14,
2019
Bank memastikan bahwa seluruh anggota Direksi The Bank ensures that all incumbent members of the
yang menjabat telah mengikuti dan dinyatakan lulus uji Board of Directors have participated in and passed the
kemampuan dan kepatutan (fit and proper test) yang fit and proper test conducted by Bank Indonesia or the
diselenggarakan oleh Bank Indonesia atau OJK, sebagai Financial Services Authority (OJK), as a form of verification
bentuk verifikasi kompetensi, integritas, dan kelayakan of competency, integrity, and suitability in carrying out
dalam menjalankan fungsi eksekutif. Hal ini sesuai dengan executive functions. This is in accordance with the
ketentuan yang diatur dalam POJK No. 17 Tahun 2023 provisions stipulated in POJK No. 17 of 2023 concerning
tentang Penerapan Tata Kelola bagi Bank Umum. the Implementation of Good Corporate Governance for
Commercial Banks.
Keberagaman Komposisi Direksi Diversity in the Composition of the Board
of Directors
Bank menempatkan keberagaman komposisi Direksi The Bank prioritizes diversity in the composition of the
sebagai salah satu prioritas strategis dalam memperkuat Board of Directors as a strategic priority in strengthening
tata kelola dan efektivitas pengambilan keputusan. governance and effective decision-making. This
Komitmen ini diwujudkan melalui penyusunan Direksi yang commitment is realized through the formation of a Board of
memperhatikan keseimbangan latar belakang pendidikan, Directors that takes into account a balance of educational
pengalaman profesional, kompetensi, usia, serta keahlian background, professional experience, competency, age,
di berbagai bidang yang relevan dengan kegiatan usaha and expertise in various fields relevant to the Bank's
Bank. business activities.
Dengan memastikan keberagaman dalam struktur Direksi, By ensuring diversity within the Board of Directors
Bank mendorong terciptanya berbagai perspektif dan structure, the Bank encourages the creation of diverse
pemikiran yang berbeda, sehingga setiap keputusan perspectives and ideas, so that every strategic decision,
strategis, perencanaan risiko, dan implementasi kebijakan risk planning, and policy implementation can be made
dapat dilakukan secara lebih komprehensif dan berorientasi more comprehensively and oriented towards long-term
pada keberlanjutan jangka panjang. Hal ini sejalan dengan sustainability. This aligns with good governance practices
praktik tata kelola yang baik serta pedoman yang tercantum and the guidelines set out in the Appendix to SEOJK No.
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Tata Kelola Perusahaan • Good Corporate Governance
dalam Lampiran SEOJK No. 32/SEOJK.04/2015 32/SEOJK.04/2015 concerning Guidelines for Public
tentang Pedoman Tata Kelola Perusahaan Terbuka, serta Company Governance, as well as realizing a commitment
realisasi komitmen terhadap kesetaraan gender di tingkat to gender equality at the management level.
manajemen.
Bank meyakini bahwa keberagaman tidak hanya The Bank believes that diversity not only strengthens the
memperkuat kualitas pengelolaan dan pengambilan quality of management and decision-making but is also
keputusan, tetapi juga menjadi faktor penting dalam a crucial factor in building an inclusive, innovative, and
membangun budaya kerja inklusif, inovatif, dan responsif responsive work culture to the ever-evolving business
terhadap dinamika bisnis yang terus berkembang. dynamics.
Aspek Keberagaman Penjelasan
Aspect of Diversity Description
Pendidikan Direksi Bank mempunyai latar pendidikan yang beragam, yaitu S1 dan S2 dengan kompetensi
Education di bidang administrasi bisnis, ekonomi, akuntansi, serta manajemen.
The Bank's Board of Directors has diverse educational backgrounds, including bachelor's and
master's degrees with competencies in business administration, economics, accounting, and
management.
Pengalaman Kerja Direksi Bank mempunyai pengalaman kerja yang beragam, terutama dalam industri perbankan.
Work Experience The Bank's Board of Directors has diverse work experience, particularly in the banking industry.
Usia Rata-rata usia Direksi Bank, yaitu 55-60 tahun.
Age The average age of the Bank's Board of Directors is 55-60 years.
Jenis Kelamin Sesuai dengan kebutuhan, anggota Direksi Bank masih didominasi oleh pria. Namun demikian,
Gender hal ini tidak menutup kemungkinan untuk Bank dalam mengangkat seorang anggota Direksi
wanita di kemudian hari.
In accordance with needs, the Bank's Board of Directors is still predominantly male. However,
this does not preclude the Bank from appointing a female Board member in the future.
Bidang Keahlian Bisnis, Perbankan, Risiko Manajemen, Keuangan, dan Ekonomi.
Expertise Business, Banking, Risk Management, Finance, and Economics.
Pada tahun 2025, keberagaman komposisi Dewan In 2025, the diverse composition of the Bank's Board of
Komisaris dan Direksi Bank tercermin melalui variasi latar Commissioners and Board of Directors was reflected in the
belakang pendidikan, pengalaman profesional, rentang varied educational backgrounds, professional experience,
usia, serta keahlian yang dimiliki oleh masing-masing age range, and expertise of each member. A complete
anggota. Profil lengkap masing-masing anggota dapat profile of each member can be found in the Profiles of the
dilihat pada bagian Profil Dewan Komisaris dan Direksi Board of Commissioners and Board of Directors section of
dalam Laporan Tahunan ini. this Annual Report.
Tugas dan Tanggung Jawab Direksi Duties and Responsibilities of the Board
of Directors
Direksi memiliki tugas dan tanggung jawab utama dalam The Board of Directors has primary duties and responsibilities
menjalankan pengelolaan Bank. Tanggung jawab ini in managing the Bank. These responsibilities include
mencakup pelaksanaan seluruh kegiatan operasional, the implementation of all operational activities, strategic
pengambilan keputusan strategis, serta pengawasan atas decision-making, and oversight of the implementation of
penerapan kebijakan dan prosedur yang berlaku. Secara applicable policies and procedures. Specifically, the Board
lebih rinci, Direksi bertugas untuk: of Directors is responsible for:
1. Direksi bertanggung jawab penuh atas pelaksanaan 1. The Board of Directors is fully responsible for the
kepengurusan Bank. management of the Bank.
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Tata Kelola Perusahaan • Good Corporate Governance
2. Direksi wajib mengelola Bank sesuai dengan 2. The Board of Directors is required to manage the Bank
kewenangan dan tanggung jawab Direksi in accordance with the authority and responsibilities of
sebagaimana diatur dalam Anggaran Dasar dan the Board of Directors as stipulated in the Articles of
peraturan perundang- undangan. Association and laws and regulations.
3. Direksi wajib menerapkan prinsip-prinsip Tata Kelola 3. The Board of Directors is required to apply the
yang Baik dalam setiap kegiatan usaha Bank pada principles of Good Governance in all business
seluruh tingkatan atau jenjang organisasi. activities of the Bank at all levels of the organization.
4. Direksi wajib menindaklanjuti temuan audit dan 4. The Board of Directors is required to follow up on
rekomendasi dari Satuan Kerja Audit Intern Bank, audit findings and recommendations from the Bank's
auditor eksternal, hasil pengawasan Otoritas Jasa Internal Audit Unit, external auditors, the results of
Keuangan, dan/atau hasil pengawasan otoritas lain. supervision by the Financial Services Authority, and/
or other authorities.
5. Dalam rangka menerapkan prinsip Tata Kelola yang 5. In order to implement the principles of Good
Baik, Direksi paling sedikit wajib membentuk: Governance, the Board of Directors is required to
establish at least:
a. Satuan Kerja Audit Intern; a. Internal Audit Work Unit;
b. Satuan Kerja Manajemen Risiko dan Komite b. Risk Management Work Unit and Risk
Manajemen Risiko; serta Management Committee; and
c. Satuan Kerja Kepatuhan. c. Compliance Work Unit.
6. Direksi wajib mempertanggungjawabkan pelaksanaan 6. The Board of Directors is required to be accountable
tugas kepada Pemegang Saham melalui RUPS. for the implementation of its duties to Shareholders
through the GMS.
7. Direksi wajib mengungkapkan kepada karyawan 7. The Board of Directors is required to disclose to
mengenai kebijakan Bank yang bersifat strategis di employees the Bank's strategic employment policies.
bidang ketenagakerjaan.
8. Direksi dilarang menggunakan penasihat perorangan 8. The Board of Directors is prohibited from using
dan/atau jasa profesional sebagai konsultan. individual advisors and/or professional services as
consultants.
9. Penggunaan penasihat dan/atau jasa profesional 9. The use of advisors and/or professional services as
sebagai konsultan dapat dilakukan dalam hal consultants may be made if the following requirements
memenuhi persyaratan: are met:
a. Proyek bersifat khusus, antara lain proyek a. The project is special, including information
teknologi informasi yang memiliki kriteria memiliki technology projects that meet the criteria of
target waktu tertentu; having a specific timeframe;
b. Didasari oleh kontrak yang jelas, yang sekurang- b. It is based on a clear contract, which at least
kurangnya mencakup lingkup, tanggung jawab includes the scope, responsibilities, and duration
dan jangka waktu pekerjaan, serta biaya; serta of the work, as well as costs; and
c. Merupakan pihak independen dan memiliki c. It is an independent party and has the qualifications
kualifikasi untuk mengerjakan proyek yang to undertake the special project.
bersifat khusus.
10. Direksi wajib menyediakan data dan informasi yang 10. The Board of Directors is required to provide accurate,
akurat, relevan, dan tepat waktu kepada Dewan relevant, and timely data and information to the Board
Komisaris. of Commissioners.
11. Direksi wajib memiliki pedoman dan tata tertib kerja 11. The Board of Directors is required to have guidelines
yang bersifat mengikat bagi setiap anggota Direksi. and work procedures that are binding on each member
of the Board of Directors.
12 Keputusan Direksi yang diambil sesuai dengan 12. Decisions of the Board of Directors made in
pedoman dan tata tertib mengikat serta menjadi accordance with these guidelines and procedures are
tanggung jawab seluruh anggota Direksi. binding and become the responsibility of all members
of the Board of Directors.
13. Direksi akan membuat laporan secara triwulan kepada 13. The Board of Directors will submit quarterly reports
Dewan Komisaris mengenai kinerja dan pencapaian to the Board of Commissioners regarding the
RBB. performance and achievement of the Business Plan
(RBB).
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Tata Kelola Perusahaan • Good Corporate Governance
14. Direksi dapat menindaklanjuti arahan dan masukan 14. The Board of Directors may follow up on directives
dari Dewan Komisaris, baik secara langsung maupun and input from the Board of Commissioners, either
melalui media internal memo, sesuai dengan peraturan directly or through internal memos, in accordance with
perundang-undangan yang berlaku. applicable laws and regulations.
Tugas dan Tanggung Jawab Masing-Masing Direksi Duties and Responsibilities of Each Director
[GRI 2-12, 2-13] [GRI 2-12, 2-13]
Direksi melakukan pembagian tugas dan tanggung jawab The Board of Directors divides tasks and responsibilities
sesuai dengan bidang keahlian masing-masing untuk according to their respective areas of expertise to ensure
memastikan setiap fungsi operasional dan strategis that each operational and strategic function is carried out in
dijalankan secara fokus, efektif, dan akuntabel. Rincian a focused, effective, and accountable manner. The details
tugas dan tanggung jawab masing-masing Direksi adalah of the duties and responsibilities of each Director are as
sebagai berikut: follows:
Nama Jabatan dan Ruang Lingup Pekerjaan Tanggung Jawab
Name Job Title and Scope of Work Responsibility
Oh In Taek Direktur Utama, membawahi: Bertanggung jawab dalam memimpin, mengarahkan,
• Direktur Kredit; serta menentukan arah dan strategi yang ditempuh
• Direktur Bisnis; Bank dalam rangka mencapai Visi yang telah
• Direktur Operasional; ditetapkan melalui pelaksanaan Misi yang sesuai
• Direktur Kepatuhan; dengan ketentuan dan regulasi yang berlaku.
• Finance Group;
• IT Group;
• SKAI; serta
• Divisi Strategic Planning.
President Director, in charge of: Responsible for leading, directing, and determining
• Director of Credit; the direction and strategy adopted by the Bank
• Director of Business; in order to achieve the set Vision through the
• Director of Operations; implementation of the Mission in accordance with
• Compliance Director; applicable rules and regulations.
• Finance Group;
• IT Group;
• SKAI; and
• Strategic Planning Division.
Park Jin Je Direktur Kredit, membawahi: Bertanggungjawab dalam mewujudkan kinerja
• Divisi Credit Review I; kredit yang sehat melalui perencanaan strategi dan
• Divisi Credit Review II; pengawasan pelaksanaan kebijakan kredit Bank
• Divisi Credit Recovery; serta secara menyeluruh.
• Divisi Credit Support.
Director of Credit, in charge of: Responsible for realizing sound credit performance
• Credit Review I Division; through strategic planning, determining credit terms,
• Credit Review II Division; and overseeing the Bank’s credit implementation as
• Credit Recovery Division; and a whole.
• Credit Support Division.
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Tata Kelola Perusahaan • Good Corporate Governance
Nama Jabatan dan Ruang Lingup Pekerjaan Tanggung Jawab
Name Job Title and Scope of Work Responsibility
Edwin Rudianto Direktur Bisnis, membawahi: Bertanggung jawab dalam meningkatkan
• Divisi SME & Corporate Banking; kinerja bisnis bank melalui pembuatan strategi,
• Divisi Syndication & Wholesale Banking; merencanakan, serta mengawasi proses
• Divisi Korean Business Banking; pengembangan produk/ layanan Bank, yang
• Divisi Treasury; meliputi Retail and Digital Banking, penyaluran
• Divisi International Banking; serta kredit Corporate Banking, mendukung transaksi luar
• Divisi Retail Banking & Sales Distribution. negeri melalui International Banking, pengelolaan
dana Bank melalui Treasury, serta fungsi bisnis di
Cabang.
The Business Director, in charge of: Responsible for improving the Bank’s business
• SME & Corporate Banking Division; performance by developing strategies, planning, and
• Syndication & Wholesale Banking Division; overseeing the development process of the Bank’s
• Korean Business Banking Division; products/services, which include Retail and Digital
• Treasury Division; Banking, channeling Corporate Banking loans,
• International Banking Division; and supporting foreign transactions through International
• Retail Banking & Sales Distribution Division. Banking, managing the Bank’s funds through
Treasury, and business functions in Branche Offices.
Andreas Mikhael Sumual Direktur Operasional, membawahi: Bertanggung jawab atas tercapainya Visi dan Misi
• Divisi Operation; serta Bank melalui perencanaan strategi, pengelolaan,
• Divisi Human Resources. dan pengendalian yang baik sehingga aktivitas
operasional serta sumber daya manusia Bank dapat
berjalan dengan baik.
The Director of Operations, in charge of: Responsible for ensuring the Bank’s operational
• Operations Division; and processes are running properly through strategic
• Human Resources Division. planning, technology management, and HR
development.
Alexander Frans Rori Direktur Kepatuhan, membawahi: Bertanggung jawab dalam memastikan terciptanya
• Divisi Corporate Secretary & Legal; budaya kepatuhan Bank melalui perencanaan
• Divisi Compliance; serta strategi, pengawasan, dan memastikan bahwa
• Divisi Risk Management. dalam menjalankan seluruh kegiatan operasionalnya
Bank telah sesuai dengan ketentuan dan regulasi
dari pihak regulator maupun pemerintah.
The Compliance Director, in charge of: Responsible for ensuring the creation of the Bank’s
• Corporate Secretary & Legal Division; compliance culture through strategic planning,
• Compliance Division; and supervision, and ensuring that in carrying out all
• Risk Management Division. operational activities, the Bank complies with the
provisions and regulations of the regulators and the
government
Rapat Direksi Board of Directors Meetings
Kebijakan Rapat Direksi Board of Directors Meeting Policy
Rapat internal Direksi wajib diselenggarakan sekurang- Internal Board of Directors meetings must be held at least
kurangnya 1 (satu) kali setiap bulan untuk membahas dan once a month to discuss and make decisions regarding the
mengambil keputusan terkait pengelolaan operasional Bank's operational management and strategy. The Board of
maupun strategi Bank. Dalam pelaksanaannya, Direksi Directors may invite officials at the same level as Directors,
dapat mengundang pejabat setingkat di bawah Direksi if necessary, to provide input or relevant information. The
apabila diperlukan guna memberikan masukan atau policy regarding the implementation of Board of Directors
informasi yang relevan. Kebijakan terkait pelaksanaan meetings is in accordance with the provisions of POJK No.
rapat Direksi sudah selaras dengan ketentuan POJK No. 33/POJK.04/2014 concerning the Board of Directors and
33/POJK.04/2014 tentang Direksi dan Dewan Komisaris Board of Commissioners of Issuers or Public Companies
Emiten atau Perusahaan Publik (“POJK 33/2014”) dan ("POJK 33/2014") and POJK No. 17 of 2023.
POJK No. 17 Tahun 2023.
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Tata Kelola Perusahaan • Good Corporate Governance
Frekuensi dan Tingkat Kehadiran Rapat Meeting Frequency and Attendance
Sepanjang tahun 2025, Direksi telah mengadakan 12 (dua Throughout 2025, the Board of Directors held 12 (twelve)
belas) kali rapat internal dengan uraian sebagai berikut: internal meetings, as described below:
Nama Jabatan Jumlah Kehadiran Persentase Kehadiran
Name Position Number of Attendance Attendance Percentage
Oh In Taek Direktur Utama 12 100%
President Director
Lee Dae Sung* Direktur 1 8,33%
Director
Maria Cortilia Vera Afianti* Direktur 5 41,67%
Director
Park Jin Je** Direktur 7 58,33%
Director
Edwin Rudianto Direktur 10 83,33%
Director
Andreas Mikhael Sumual** Direktur 3 25%
Director
Alexander Frans Rori Direktur Kepatuhan 10 83,33%
Compliance Director
*) Beliau efektif menjabat sebagai Direksi Bank sampai dengan tanggal 20 Juni 2025.
**) Beliau efektif menjabat sebagai Direksi Bank per tanggal 20 Juni 2025.
*) Has effectively served as the Bank’s Director until June 20, 2025.
**) Has effectively served as the Bank’s Director as of June 20, 2025.
Agenda Rapat Meeting Agenda
Tanggal Rapat Agenda Rapat
No
Meeting Date Meeting Agenda
1. 16 Januari 2025 BOD Meeting = Kinerja Keuangan Desember 2024, Compliance Update,
January 16, 2025 dan Struktur Organisasi 2025
BOD Meeting = December 2024 Financial Performance, Compliance
Update, and 2025 Organizational Structure
2. 24 Februari 2025 BOD & Monthly Division Meeting = Perencaaan Penutupan Cabang dan
February 24, 2025 Pengkinian Kebijakan Wewenang Pendelegasian, Persetujuan otoritas dan
Masalah Tinjauan, serta Ketentuan Asosiasi Sistem Pembayaran Indonesia
BOD & Monthly Division Meeting = Branch Closure Planning and Updating
Delegated Authority Policies, Authority Approvals and Review Issues, and
Indonesian Payment System Association Regulations
3. 25 Maret 2025 BOD & Monthly Division Meeting = Penurunan Laba Bersih, Peningkatan
March 25, 2025 NPL, dan Manajemen Risiko Iklim
BOD & Monthly Division Meeting = Decrease in Net Profit, Increase in
NPLs, and Climate Risk Management
4. 25 April 2025 BOD & Monthly Division Meeting = Kinerja Bank Q1 2025, Laporan
April 25, 2025 Business Direktorat, Laporan Credit Review Group, Laporan Opersional
Direktorat, Laporan Compliance Direktorat, Laporan Finance Grup, dan
Laporan Cabang Terpilih
BOD & Monthly Division Meeting = Bank Performance Q1 2025, Business
Directorate Report, Credit Review Group Report, Directorate Operational
Report, Directorate Compliance Report, Group Finance Report, and
Selected Branch Office Reports
5. 21 Mei 2025 BOD & Monthly Division Meeting = Strategi Peningkatan RPIM/UKM,
May 21, 2025 Strategi Pengelolaan NPL, dan Strategi Meningkatkan Laba Bersih akibat
NPL yang meningkat
BOD & Monthly Division Meeting = Strategy for Improving RPIM/UKM,
Strategy for Managing Non-Performing Loans (NPL), and Strategy for
Increasing Net Profit due to Increasing NPLs
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Tata Kelola Perusahaan • Good Corporate Governance
Tanggal Rapat Agenda Rapat
No
Meeting Date Meeting Agenda
6. 24 Juni 2025 BOD & Monthly Division Meeting = Strategi terkait Pelunasan Masalah
June 24, 2025 Debitur, dan Strategi terkait jaringan Eksternal pada Integration error
BOD & Monthly Division Meeting = Strategy related to Debtor Settlement,
and Strategy related to External Network Integration Errors
7. 22 Juli 2025 BOD & Monthly Division Meeting = Kinerja bank Q2 2025, Laporan
July 22, 2025 Business Direktorat, Laporan Credit Review Group, Laporan Opersional
Direktorat, Laporan Compliance Direktorat, Laporan Finance Grup, dan
Laporan Cabang Terpilih
BOD & Monthly Division Meeting = Bank Performance Q2 2025, Business
Directorate Report, Credit Review Group Report, Directorate Operational
Report, Directorate Compliance Report, Group Finance Report, and
Selected Branch Reports
8. 19 Agustus 2025 BOD & Monthly Division Meeting = Penurunan Portofolio Lokal, dan
August 19, 2025 Portofolio Kredit
BOD & Monthly Division Meeting = Reduction of Local Portfolio and Credit
Portfolio
9. 23 September 2025 BOD & Monthly Division Meeting = Strategi untuk meningkatkan daya
September 23, 2025 saing dalam pendanaan, dan Permasalahan Compliance dan penyampaian
informasi
BOD & Monthly Division Meeting = Strategy to Increase Competitiveness in
Funding, Compliance Issues and Information Dissemination
10. 21 Oktober 2025 BOD & Monthly Division Meeting = Rencana Bisnis bank 2026
October 21, 2025 BOD & Monthly Division Meeting = Bank Business Plan 2026
11. 25 November 2025 BOD & Monthly Division Meeting = Rencana Bisnis Bank 2026-2028
November 25, 2025 BOD & Monthly Division Meeting = Bank Business Plan 2026-2028
12. 17 Desember 2025 BOD & Monthly Division Meeting = Laporan Compliance & Pembaharuan
December 17, 2025 AML, Laporan Keuangan (Laporan Akhir Tahun 2025)
BOD & Monthly Division Meeting = Compliance Report & AML Update,
Financial Statement (Year-End Report 2025)
Kebijakan dan Pelaksanaan Program Policy and Implementation of the
Orientasi dan/atau Pengenalan Bagi Orientation and/or Induction Program for
Direksi Baru Tahun 2025 New Directors in 2025
Bank memiliki kebijakan untuk memastikan setiap Direksi The Bank has a policy to ensure that every newly appointed
yang baru diangkat mengikuti program orientasi yang Director participates in a comprehensive orientation
komprehensif. Program ini memberikan pemahaman program. This program provides an in-depth understanding
mendalam mengenai struktur organisasi, strategi, sejarah, of the Bank's organizational structure, strategy, history,
budaya, dan kebijakan Bank, serta memperkenalkan Direksi culture, and policies, and introduces new Directors to the
baru kepada departemen dan tim yang akan mereka pimpin. departments and teams they will lead. Orientation materials
Materi orientasi juga mencakup pelatihan tata kelola Bank, also include training on Bank governance, applicable
regulasi yang berlaku, serta lingkup tanggung jawab yang regulations, and the scope of responsibilities they must
harus dipatuhi. comply with.
Pelaksanaan program orientasi Direksi bertujuan untuk The Board of Directors' orientation program aims to
mempercepat adaptasi anggota Direksi baru agar accelerate the adaptation of new Directors so they can
dapat segera mengambil peran aktif dalam pengambilan immediately take an active role in strategic decision-making
keputusan strategis dan memberikan kontribusi efektif and contribute effectively to the achievement of the Bank's
terhadap pencapaian Visi dan Misi Bank. Vision and Mission.
Sepanjang tahun 2025, Bank telah mengadakan program Throughout 2025, the Bank has conducted orientation
orientasi bagi Park Jin Je dan Andreas Mikhael Sumual, programs for Park Jin Je and Andreas Mikhael Sumual, as
sebagai Direktur baru di tahun ini. the newly appointed Directors in that year.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 239
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Tata Kelola Perusahaan • Good Corporate Governance
Program Pengembangan Kompetensi Board of Directors Competency
Direksi Tahun 2025 Development Program in 2025
Kebijakan Pelatihan dan Pengembangan Continuous Training and Competency Development
Kompetensi Berkesinambungan Policy
Bank berkomitmen untuk terus meningkatkan kualitas The Bank is committed to continuously improving the
kepemimpinan Direksi melalui penerapan kebijakan leadership quality of its Board of Directors through the
pelatihan dan pengembangan kompetensi yang implementation of a continuous training and competency
berkesinambungan. Program ini mencakup pelatihan development policy. This program includes formal training,
formal, workshop, sertifikasi, seminar, serta sesi berbagi workshops, certifications, seminars, and experience-
pengalaman, baik secara internal maupun bekerja sama sharing sessions, both internally and in collaboration
dengan pihak eksternal sehingga Direksi dapat terus with external parties, so that the Board of Directors can
memperbarui pengetahuan dan keterampilan yang relevan continuously update their knowledge and skills relevant to
dengan kebutuhan operasional dan strategi Bank. the Bank's operational and strategic needs.
Rencana pengembangan kompetensi Direksi disusun The Board of Directors' competency development plan
setiap tahun dan dievaluasi secara berkala untuk is prepared annually and periodically evaluated to ensure
memastikan kesesuaian dengan prioritas strategis Bank alignment with the Bank's strategic priorities and evolving
dan dinamika bisnis yang berkembang. Dengan kebijakan business dynamics. With this policy, the Bank ensures
ini, Bank memastikan bahwa Direksi memiliki kapabilitas that the Board of Directors has adequate capabilities for
yang memadai dalam pengambilan keputusan strategis, strategic decision-making and is capable of managing the
sekaligus mampu menjalankan pengelolaan perusahaan company professionally, transparently, and accountably.
secara profesional, transparan, dan akuntabel.
Pelatihan dan/atau Peningkatan Kompetensi pada Training and/or Competency Improvement in Fiscal
Tahun Buku 2025 Year 2025
Pada tahun 2025, seluruh anggota Direksi Bank telah In 2025, all members of the Bank's Board of Directors
mengikuti berbagai bentuk pelatihan dan/atau program participated in various forms of training and/or
pengembangan kompetensi sesuai dengan kebutuhan competency development programs in accordance with
tugas pengawasan. Rincian kegiatan yang diikuti dapat the requirements of their supervisory duties. Details of the
dilihat pada tabel berikut: activities participated in are shown in the following table:
Nama Materi Tanggal Penyelenggara
Name Material Date Organizer
Alexander Frans Rori Seminar Menuju Indonesia Emas dan Koordinasi 25 Januari 2025 Ali An Sun Geun
Kerja Tahunan January 25, 2025
Seminar on "Towards a Golden Indonesia" and
Annual Work Coordination
Seminar Pemeliharaan Sertifikat Manajemen 25 April 2025 BARA
Risiko "Developing Strategy for Managing Bank April 25, 2025
Business & Risks in Current Global Situation"
Risk Management Certificate Maintenance
Seminar "Developing Strategy for Managing Bank
Business & Risks in the Current Global Situation"
Public Training Risk Forum jenjang 6 & 7 - Banker 25 April 2025 LPK Praveena
Association for Risk Management April 25, 2025
Public Training Risk Forum Levels 6 & 7 - Banker
Association for Risk Management
240 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Nama Materi Tanggal Penyelenggara
Name Material Date Organizer
Internalisasi Budaya Perusahaan dan Hari Bank 25 September 2025 Bank IBK Indonesia
IBK Indonesia September 25, 2025
Internalization of Corporate Culture and IBK
Indonesia Bank Day
Sertifikasi KKNI Jenjang Kualifikasi 7 Bidang 25 September 2025 LSPP
Kepatuhan Subbidang Pengelolaan Bank Umum September 25, 2025
KKNI Certification for Qualification Level
7, Compliance Sector, Commercial Bank
Management Sub-Sector
APU PPT Executive Insight: Strategic 3 Desember 2025 LPPI
Compliance for Bank Leaders December 3, 2025
APU PPT Executive Insight: Strategic Compliance
for Bank Leaders Consumer
Perlindungan Konsumen Untuk BOD, BOC dan 4 Desember 2025 LPPI
Komite December 4, 2025
Protection for the Board of Directors, Board of
Commissioners, and Committees
Strengthening Good Corporate Governance 9 Desember 2025 LPPI
Strengthening Good Corporate Governance December 9, 2025
Andreas Mikhael Seminar Menuju Indonesia Emas dan Koordinasi 25 Januari 2025 Ali An Sun Geun
Sumual Kerja Tahunan January 25, 2025
Seminar on "Towards a Golden Indonesia" and
Annual Work.
Sertifikasi Manajemen Risiko Jenjang 6 25 Februari 2025 LSPP
Level 6 Risk Management Certification February 25, 2025
Sertifikasi Manajemen Risiko Jenjang 7 25 Maret 2025 LSPP
Level 7 Risk Management Certification March 25, 2025
Diseminasi Ketentuan dan Aspek Keamanan 11 Juni 2025 Bank Indonesia
Sistem BI-FAST June 11, 2025
Dissemination on BI-FAST System Security
Provisions and Aspects
Sosialisasi Peningkatan Pengamanan Layanan 16 Juni 2025 Rintis Sejahtera
Transaksi Digital BI Fast Multi-Tenancy June 16, 2025
Dissemination on Enhanced Security for BI-FAST
Multi-Tenancy Digital Transaction Services
Rapat Umum Anggota ASPI 2025 24 Juni 2025 Asosiasi Sistem
2025 ASPI General Meeting of Members June 24, 2025 Pembayaran Indonesia
(ASPI)
Internalisasi Budaya Perusahaan dan Hari Bank 25 September 2025 Bank IBK Indonesia
IBK Indonesia September 25, 2025
Internalization of Corporate Culture and IBK
Indonesia Bank Day
The Finance Executive Forum & Penganugerahan 10 Oktober 2025 The Finance Magazine
Top 20 Financial Institution Awards 2025 October 10, 2025
The Finance Executive Forum & Top 20 Financial
Institution Awards 2025
ESG - lnovasi Produk dan Layanan Keuangan 25 November 2025 FKDKP
Berkelanjutan Skema Hijau untuk Menangkap November 25, 2025
Peluang Pendanaan dan lnvestasi
ESG - Innovation in Sustainable Financial
Products and Services: Green Schemes to Seize
Funding and Investment Opportunities
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 241
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Tata Kelola Perusahaan • Good Corporate Governance
Nama Materi Tanggal Penyelenggara
Name Material Date Organizer
Undangan Indonesia Banking Innovation 24 November 2025 Forum Komunikasi Direktur
Conclave November 24, 2025 Operasional Perbankan
Invitation to the Indonesia Banking Innovation
Conclave
APU PPT Executive Insight : Strategic 3 Desember 2025 LPPI
Compliance for Bank Leaders December 3, 2025
AML/CFT Executive Insight: Strategic
Compliance for Bank Leaders
Perlindungan Konsumen Untuk BOD, BOC dan 4 Desember 2025 LPPI
Komite December 4, 2025
Consumer Protection for the Board of Directors,
Board of Commissioners, and Committees
Strengthening Good Corporate Governance 9 Desember 2025 LPPI
Strengthening Good Corporate Governance December 9, 2025
Lee Dae Sung Seminar Menuju Indonesia Emas dan Koordinasi 25 Januari 2025 Ali An Sun Geun
Kerja Tahunan January 25, 2025
Seminar on "Towards a Golden Indonesia" and
Annual Work Coordination
MC Vera Afianti Seminar Menuju Indonesia Emas dan Koordinasi 25 Januari 2025 Ali An Sun Geun
Kerja Tahunan January 25, 2025
Seminar on "Towards a Golden Indonesia" and
Annual Work Coordination
Seminar Refresher Program Sertifikasi 25 Mei 2025 BARA
Manajemen Risiko May 25, 2025
Risk Management Certification Program
Refresher Seminar
Oh In Taek Seminar Menuju Indonesia Emas dan Koordinasi 25 Januari 2025 Ali An Sun Geun
Kerja Tahunan January 25, 2025
Seminar on "Towards a Golden Indonesia" and
Annual Work Coordination
Pelatihan Bahasa Inggris 25 Maret 2025 SIB School of Language
English Language Training March 25, 2025
All-Together and Outing for Tenaga Kerja Asing 25 Mei 2025 Bank IBK Indonesia
All-Together and Outing for Foreign Workers May 25, 2025
Internalisasi Budaya Perusahaan dan Hari Bank 25 September 2025 Bank IBK Indonesia
IBK Indonesia September 25 2025
Internalization of Corporate Culture and IBK
Indonesia Bank Day
Refreshment Sertifikasi Manajemen Risiko 25 September 2025 KeyPro Consulting
Jenjang 6 dan 7 untuk BOD, BOC & Komite September 25, 2025
Risk Management Certification Refresher Levels
6 and 7 for the Board of Directors, Board of
Commissioners, and Committees
APU PPT Executive Insight: Strategic 3 Desember 2025 LPPI
Compliance for Bank Leaders December 3, 2025
AML/CFT Executive Insight: Strategic
Compliance for Bank Leaders
Perlindungan Konsumen Untuk BOD, BOC dan 4 Desember 2025 LPPI
Komite December 4, 2025
Consumer Protection for the Board of Directors,
Board of Commissioners, and Committees
Strengthening Good Corporate Governance 9 Desember 2025 LPPI
Strengthening Good Corporate Governance December 9, 2025
242 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Nama Materi Tanggal Penyelenggara
Name Material Date Organizer
Park Jin Je Sertifikasi Manajemen Risiko Jenjang 7 25 Maret 2026 LSPP
Risk Management Certification Level 7 March 25, 2026
All-Together and Outing for Tenaga Kerja Asing 25 Mei 2025 Bank IBK Indonesia
All-Together and Outing for Foreign Workers May 25, 2025
Kursus Bahasa Indonesia 25 Juni 2025 SIB School of Language
Indonesian Language Course June 25, 2025
Internalisasi Budaya Perusahaan dan Hari Bank 25 September 2025 Bank IBK Indonesia
IBK Indonesia September 25, 2025
Internalization of Corporate Culture and IBK
Indonesia Bank Day
Refreshment Sertifikasi Manajemen Risiko 25 September 2025 KeyPro Consulting
Jenjang 6 dan 7 untuk BOD, BOC & Komite September 25, 2025
Refreshment of Risk Management Certification
Levels 6 and 7 for the Board of Directors, Board
of Commissioners, and Committees
APU PPT Executive Insight: Strategic 3 Desember 2025 LPPI
Compliance for Bank Leaders December 3, 2025
AML/CFT Executive Insight: Strategic
Compliance for Bank Leaders
Perlindungan Konsumen Untuk BOD, BOC dan 4 Desember 2025 LPPI
Komite December 4, 2025
Consumer Protection for the Board of Directors,
Board of Commissioners, and Committees
Strengthening Good Corporate Governance 9 Desember 2025 LPPI
Strengthening Good Corporate Governance December 9, 2025
Edwin Rudianto Seminar Menuju Indonesia Emas dan Koordinasi 25 Januari 2025 Ali An Sun Geun
Kerja Tahunan January 25, 2025
Seminar on "Towards a Golden Indonesia" and
Annual Work Coordination
All-Together and Outing for Tenaga Kerja Asing 25 Mei 2025 Bank IBK Indonesia
All-Together and Outing for Foreign Workers May 25, 2025
Perkembangan Kinerja Perkreditan Bank dan 25 Juli 2025 OJK
Penyelasaian Kredit Bermasalah July 25, 2025
Development of Bank Credit Performance and
Resolution of Non-Performing Loans
Go public workshop 'Asset backed securities 25 Agustus 2025 IDX, PT BEI, KPEI, KSEI
in focus: Opportunities and challenges in August 25, 2025
indonesia's Market'
Going Public Workshop "Asset-Backed
Securities in Focus: Opportunities and
Challenges in Indonesia's Market"
Seminar Mid Year Market Capital Review 2025 25 Agustus 2025 OJK Institute
- Evaluasi Kinerja Pasar dan Strategi Investasi ke August 25, 2025
Depan
Seminar on Mid-Year Market Capital Review
2025 - Market Performance Evaluation and
Future Investment Strategy
Refreshment Sertifikasi Manajemen Risiko 25 September 2025 KeyPro Consulting
Jenjang 6 dan 7 untuk BOD, BOC & Komite September 25, 2025
Risk Management Certification Refreshment
Levels 6 and 7 for Board of Directors, Board of
Commissioners, and Committees
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 243
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Tata Kelola Perusahaan • Good Corporate Governance
Nama Materi Tanggal Penyelenggara
Name Material Date Organizer
Internalisasi Budaya Perusahaan dan Hari Bank 25 September 2025 Bank IBK Indonesia
IBK Indonesia September 25, 2025
Internalization of Corporate Culture and IBK
Indonesia Bank Day
Acara penandatanganan Perjanjian Induk derivatif 25 September 2025 Bank Indonesia
antarbank & Launching Matchmaking OIS September 25, 2025
Interbank Derivatives Master Agreement Signing
Ceremony & Launch of OIS Matchmaking
Peluncuran Triparty Agent Repo & Perluasan 25 Oktober 2025 Bank Indonesia
Tandatangan Global Master Repo Agreement October 25, 2025
untuk Pengembangan Pasar Keuangan Indonesia
Launch of Triparty Agent Repo & Expansion of
Global Master Repo Agreement Signatures for
Indonesian
Prima Executive Gathering 2025 - Beyond 25 Oktober 2025 PT Rintis Sejahtera
Resilience : Accelerating Impact - Progressive October 25, 2025
Growth
Financial Market Development Prima Executive
Gathering 2025 - Beyond Resilience:
Accelerating Impact - Progressive Growth
CEO Networking 2025 - Managing Global Trade 25 November 2025 IDX
and Empowering Business Strategy November 25, 2025
CEO Networking 2025 - Managing Global Trade
and Empowering Business Strategy
Kajian Pembiayaan Efisiensi Energi 25 November 2025 OJK
Energy Efficiency Financing Study November 25, 2025
APU PPT Executive Insight: Strategic 3 Desember 2025 LPPI
Compliance for Bank Leaders December 3, 2025
AML and CFT Executive Insight: Strategic
Compliance for Bank Leaders
Perlindungan Konsumen Untuk BOD, BOC dan 4 Desember 2025 LPPI
Komite December 4, 2025
Consumer Protection for the Board of Directors,
Board of Commissioners, and Committees
Strengthening Good Corporate Governance 9 Desember 2025 LPPI
Strengthening Good Corporate Governance December 9, 2025
Laporan Singkat Pelaksanaan Tugas Brief Report on the Implementation of
Direksi Tahun 2025 the Board of Directors' Duties in 2025
Sepanjang tahun 2025, Direksi Bank telah menjalankan Throughout 2025, the Bank's Board of Directors
tugasnya dengan konsistensi dan fokus pada pencapaian consistently carried out its duties with focus on achieving
tujuan strategis, pengelolaan risiko, serta kepatuhan strategic objectives, managing risks, and complying with
terhadap seluruh regulasi yang berlaku. Pelaksanaan all applicable regulations. The implementation of these
tanggung jawab ini dilakukan secara terkoordinasi responsibilities was carried out in a coordinated manner
untuk memastikan efektivitas pengelolaan operasional, to ensure effective operational management, appropriate
pengambilan keputusan strategis yang tepat, dan strategic decision-making, and the sustainability of the
keberlanjutan bisnis Bank. Bank's business.
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Tata Kelola Perusahaan • Good Corporate Governance
Rincian pelaksanaan tugas Direksi selama periode The details of the Board of Directors' duties during the
pelaporan tahun buku dapat diuraikan sebagai berikut: reporting period of the fiscal year can be described as
follows:
1. Pelaksanaan kepengurusan Bank; 1. Implementing the Bank's management;
2. Pengelolaan aset dan keuangan Bank; 2. Managing the Bank's assets and finances;
3. Penyusunan perencanaan Bank; 3. Preparing the Bank's plans;
4. Penyelenggaraan rapat Direksi, menghadiri rapat 4. Holding Board of Directors meetings, attending Board
Dewan Komisaris, dan RUPS; of Commissioners meetings, and GMS meetings;
5. Pengawasan dan perbaikan proses bisnis internal; 5. Supervising and improving internal business
processes;
6. Penetapan manajemen risiko dan pilar-pilar tata kelola; 6. Establishing risk management and governance pillars;
7. Pemenuhan target kinerja Bank; serta 7. Meeting the Bank's performance targets; and
8. Pelaksanaan tugas lainnya terkait kepengurusan Bank. 8. Implementing other duties related to the Bank's
management.
Penilaian Terhadap Kinerja Komite- Performance Assessment of Committees
Komite dan Satuan Kerja di Bawah and Work Units Under the Board of
Direksi Directors
Direksi secara berkala melakukan evaluasi terhadap Komite The Board of Directors periodically evaluates the
dan Satuan Kerja yang berada di bawah koordinasinya, Committees and Work Units under its coordination to
guna mengukur kontribusi masing-masing terhadap measure their respective contributions to operational
keberhasilan operasional dan pencapaian tujuan strategis success and the achievement of the Bank's strategic
Bank. Penilaian ini bertujuan untuk memastikan bahwa objectives. This assessment aims to ensure that tasks are
pelaksanaan tugas berjalan secara efektif dan efisien, carried out effectively and efficiently, while also providing a
sekaligus menjadi landasan bagi perbaikan kinerja untuk foundation for performance improvements for the following
periode berikutnya. period.
Sampai dengan akhir 2025, komite-komite yang berada Until the end of 2025, the committees under the coordination
di bawah koordinasi Direksi meliputi Komite Asset Liability of the Board of Directors include the Asset and Liability
(Asset and Liability Committee/”ALCO”), Komite Manajemen Committee (ALCO), the Risk Management Committee,
Risiko, Komite Pengarah Teknologi Informasi, serta the Information Technology Steering Committee, and the
Komite Kredit. Sementara unit kerja yang berada langsung Credit Committee. Meanwhile, work units directly under
di bawah organ Direksi, di antaranya Sekretaris Perusahaan the Board of Directors include the Corporate Secretary
dan Satuan Kerja Audit Internal (“SKAI”). and the Internal Audit Unit (SKAI).
Evaluasi kinerja terhadap organ-organ pendukung Performance evaluation of supporting organs and work units
dan satuan kerja juga menjadi bagian dari mekanisme is also part of the Bank's internal oversight mechanism to
pengawasan internal yang diterapkan Bank untuk improve decision-making quality, strengthen governance,
meningkatkan kualitas pengambilan keputusan, and ensure that each unit under the Board of Directors can
memperkuat tata kelola, dan memastikan setiap unit optimally contribute to the achievement of strategic targets.
di bawah Direksi dapat memberikan kontribusi optimal
terhadap pencapaian target strategis.
Prosedur dan Kriteria Penilaian Kinerja Komite di Performance Assessment Procedures and Criteria
Bawah Direksi for Committees Under the Board of Directors
Penilaian kinerja komite di bawah Direksi dilakukan dengan The performance assessment of committees under the
mengacu pada pencapaian fungsi dan tanggung jawab Board of Directors is conducted based on the achievement
masing-masing, serta tingkat efektivitas dan efisiensi of their respective functions and responsibilities, as well as
operasionalnya. Proses evaluasi ini mencakup Komite their level of operational effectiveness and efficiency. This
ALCO, Komite Manajemen Risiko, Komite Pengarah evaluation process includes the ALCO Committee, the
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Tata Kelola Perusahaan • Good Corporate Governance
Teknologi Informasi, dan Komite Kredit. Setiap Komite Risk Management Committee, the Information Technology
dievaluasi berdasarkan kriteria sebagai berikut: Steering Committee, and the Credit Committee. Each
committee is evaluated based on the following criteria:
1. Pelaksanaan rapat; 1. Meetings;
2. Tingkat kehadiran anggota Komite dan Satuan Kerja 2. Attendance of Committee members and Board of
Direksi; Directors' Work Units;
3. Pelaksanaan penyampaian laporan kerja Komite dan 3. Submission of Committee and Board of Directors'
Satuan Kerja Direksi; Work Unit work reports;
4. Kompetensi dari masing-masing anggota komite; dan 4. Competence of each committee member; and
5. Dokumentasi laporan kerja Komite dan Satuan Kerja 5. Documentation of Committee and Board of Directors'
Direksi. Work Unit work reports.
Setelah penilaian dilakukan, setiap kriteria diberikan skor After the assessment is completed, each criterion is scored
dengan ketentuan sebagai berikut: according to the following provisions:
1. Masing-masing kriteria dinilai dengan skala 1–5; 1. Each criterion is scored on a scale of 1–5;
2. Skor ditentukan berdasarkan kondisi aktual Bank; dan 2. The score is determined based on the Bank's actual
conditions; and
3. Skor akhir Komite merupakan rata-rata dari seluruh 3. The final score for the Committee is the average of all
kriteria yang telah dinilai. assessed criteria.
Berdasarkan prosedur dan kriteria tersebut, hasil penilaian Based on these procedures and criteria, the results of the
kinerja Komite Direksi untuk tahun buku 2025 disajikan Board of Directors' Committee performance assessment
sebagai berikut: for the 2025 Fiscal Year are presented as follows:
Score
Kriteria Penilaian
Criteria 1 2 3 4 5 Assessment
Pelaksanaan 1x dalam 2x dalam 4x dalam 6x dalam setahun 8x dalam setahun 5
Rapat setahun setahun setahun 6x in a year 8x in a year
Implementation 1x in a year 2x in a year 4x in a year
of Meetings
Tingkat Rapat tidak Kepala/Ketua Kepala/Ketua Kepala/Ketua dan Kepala/Ketua dan 5
Kehadiran dihadiri Kepala/ dan Wakil Ketua dan Wakil Ketua Wakil Ketua hadir Wakil Ketua hadir 8x
Attendance Rate Ketua dan Wakil hadir 2x dalam hadir 4x dalam 6x dalam setahun dalam setahun
Ketua Komite/ setahun setahun The Head/ The Head/ Chairman
Satuan Kerja The Head/ The Head/ Chairman and and Deputy Chairman
Meeting is not Chairman Chairman Deputy Chairman attended 8x in a year
attended by the and Deputy and Deputy attended 6x in a
Head/Chairman Chairman Chairman year
and Deputy attended 2x in attended 4x in
Head of the a year a year
Committee/Work
Unit
Pelaksanaan Laporan kerja Laporan kerja 5
Penyampaian disampaikan disampaikan tepat
Submission of tidak tepat waktu waktu
Reports Work reports are Work reports are
not submitted on submitted on time
time
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Tata Kelola Perusahaan • Good Corporate Governance
Score
Kriteria Penilaian
Criteria 1 2 3 4 5 Assessment
Dokumentasi Laporan Laporan kerja 5
Laporan Kerja kerja tidak terdokumentasi
Documentation terdokumentasi dengan baik
of Work Reports dengan baik
Work reports are
Work reports properly documented
are not properly
documented
Rata-Rata Skor 5
Average Score
Keterangan | Description:
1: Sangat Buruk | Bad 2: Buruk | Poor 3: Cukup Baik | Fair 4: Baik | Good 5: Sangat Baik | Excellent
Komite Direksi
Analisis Penilaian
Committee of the
Analysis of Assessment
Board of Directors
Komite Manajemen Risiko Direksi memandang komite telah menjalankan fungsi dan tanggung jawabnya secara efektif dalam
Risk Management mendukung penerapan manajemen risiko Bank. Komite secara aktif melakukan evaluasi terhadap profil
Committee risiko, kecukupan kebijakan dan prosedur manajemen risiko, serta efektivitas pengendalian risiko pada
seluruh kegiatan usaha Bank.
Berdasarkan hasil penilaian, kinerja Komite Manajemen Risiko dinilai memadai dan efektif, serta berkontribusi
positif dalam menjaga stabilitas dan kehati-hatian operasional Bank.
The Board of Directors considers the committee to have effectively carried out its functions and
responsibilities in supporting the Bank's risk management implementation. The committee actively evaluates
the risk profile, the adequacy of risk management policies and procedures, and the effectiveness of risk
controls across all of the Bank's business activities.
Based on the assessment, the Risk Management Committee's performance is deemed adequate and
effective, and it has contributed positively to maintaining the Bank's operational stability and prudence.
Komite Asset Liability Komite Asset Liability (ALCO) dinilai telah menjalankan perannya secara optimal dalam mengelola struktur
(ALCO) aset dan liabilitas Bank guna menjaga likuiditas, profitabilitas, dan kecukupan permodalan. Komite secara
Asset Liability Committee rutin membahas, memantau, dan memberikan rekomendasi yang tepat terkait penetapan suku bunga,
(ALCO) pengelolaan dana, serta strategi pendanaan dan penyaluran kredit.
The Asset Liability Committee (ALCO) is deemed to have optimally implemented its role in managing the
Bank's asset and liability structure to maintain liquidity, profitability, and capital adequacy. The committee
regularly discusses, monitors, and provides appropriate recommendations regarding interest rate setting,
fund management, and funding and credit distribution strategies.
Komite Pengarah Komite Pengarah Teknologi Informasi dinilai telah berperan aktif dalam mengarahkan dan mengawasi
Teknologi Informasi penerapan strategi teknologi informasi Bank agar selaras dengan kebutuhan bisnis dan ketentuan regulator.
Information Technology Komite memastikan bahwa pengembangan dan pemanfaatan teknologi informasi mendukung efisiensi
Steering Committee operasional, keamanan sistem, dan peningkatan layanan Bank.
Direksi juga mengapresiasi langkah Komite dalam mengevaluasi kesiapan infrastruktur teknologi, manajemen
risiko TI, serta membuat rencana pengembangan dan investasi teknologi informasi.
The Information Technology Steering Committee is considered to have played an active role in directing
and overseeing the implementation of the Bank's information technology strategy to ensure it aligns with
business needs and regulatory requirements. The Committee ensures that the development and utilization
of information technology supports operational efficiency, system security, and service improvement.
The Board of Directors also commended the Committee for evaluating the readiness of technology
infrastructure, IT risk management, and developing information technology development and investment
plans.
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Tata Kelola Perusahaan • Good Corporate Governance
Komite Direksi
Analisis Penilaian
Committee of the
Analysis of Assessment
Board of Directors
Komite Kredit Komite Kredit dinilai telah menjalankan fungsi pengambilan keputusan kredit secara prudent dan selaras
Credit Committee dengan kebijakan perkreditan Bank. Kemudian, Komite Kredit dinilai aktif memantau perkembangan kualitas
kredit dan memberikan arahan atas penanganan kredit bermasalah.
The Credit Committee was deemed to have carried out its credit decision-making function prudently and
in line with the Bank's credit policy. Furthermore, the Credit Committee was deemed to have actively
monitored credit quality developments and provided guidance on the management of non-performing loans.
Prosedur dan Penilaian Satuan Kerja di Bawah Procedures and Assessment of Work Units Under
Direksi the Board of Directors
Pada tahun 2025, Direksi Bank melakukan penilaian In 2025, the Bank's Board of Directors has conducted
terhadap kinerja 2 (dua) satuan kerja yang berada a performance assessment of two work units that they
langsung di bawah koordinasinya. Penilaian ini dilakukan oversee. The assessment was conducted to measure the
untuk mengukur kontribusi masing-masing satuan kerja contribution of each work unit to supporting operational
dalam mendukung efektivitas operasional dan pencapaian effectiveness and achieving the Bank's strategic objectives.
tujuan strategis Bank. Prosedur dan kriteria penilaian yang The procedures and assessment criteria used in evaluating
digunakan dalam evaluasi kinerja satuan kerja tersebut the performance of these work units are outlined as follows:
dijabarkan sebagai berikut:
Sekretaris Perusahaan
Corporate Secretary
Prosedur Procedure
Penilaian kinerja Sekretaris Perusahaan dilakukan secara periodik The Corporate Secretary’s performance assessment is conducted
dengan mengacu pada pencapaian kinerja yang telah ditetapkan periodically, based on established performance indicators.
sebagai indikator utama. Penilaian ini melibatkan berbagai aspek, This assessment encompasses various aspects, including
termasuk efektivitas komunikasi dengan pemangku kepentingan, the effectiveness of stakeholder communication, regulatory
kepatuhan terhadap regulasi, dan kemampuan dalam mendukung compliance, and the ability to support the implementation of good
implementasi tata kelola perusahaan yang baik. corporate governance.
Hasil Penilaian Assessment Results
Direksi menilai Sekretaris Perusahaan telah menjalankan fungsi dan The Board of Directors assesses that the Corporate Secretary
tanggung jawabnya pada 2025 secara efektif dalam mendukung has effectively carried out its functions and responsibilities in
penerapan Tata Kelola Bank yang Baik dan memastikan kepatuhan 2025, supporting the implementation of Good Bank Governance
Bank terhadap ketentuan peraturan perundang-undangan, and ensuring the Bank’s compliance with laws and regulations,
khususnya terkait pasar modal. particularly those related to the capital market.
Selain itu, Sekretaris Perusahaan dinilai telah mampu menjaga Furthermore, the Corporate Secretary is assessed as having
komunikasi yang baik dengan regulator, pemegang saham, dan maintained effective communication with regulators, shareholders,
pemangku kepentingan Bank. and the Bank’s stakeholders.
Satuan Kerja Audit Internal
Internal Audit Unit (SKAI)
Prosedur Procedure
Penilaian kinerja SKAI dilakukan dengan menilai sejauh mana The Internal Audit Unit’s performance assessment is conducted
SKAI memberikan dukungan audit internal yang efektif terkait by assessing the extent to which it provides effective internal audit
assurance terhadap kegiatan bisnis Bank. Penilaian ini mencakup support related to assurance of the Bank’s business activities.
evaluasi terhadap kemampuan SKAI dalam mengidentifikasi This assessment includes evaluating the Internal Audit Unit’s
risiko, memberikan risiko yang tepat, dan memastikan kepatuhan ability to identify risks, assign appropriate risk allocations, and
terhadap kebijakan serta regulasi yang berlaku. ensure compliance with applicable policies and regulations.
Hasil Penilaian Assessment Results
Sepanjang 2025, Direksi menilai bahwa SKAI telah menjalankan Throughout 2025, the Board of Directors assessed that the
fungsi pengawasan internal secara independen, objektif, dan Internal Audit Unit had carried out its internal oversight function
profesional sesuai dengan piagam audit internal serta ketentuan independently, objectively, and professionally in accordance with
regulator. the internal audit charter and regulatory requirements.
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Tata Kelola Perusahaan • Good Corporate Governance
Dewan Komisaris
Board of Commissioners
Dewan Komisaris merupakan organ pengawasan dalam The Board of Commissioners is a supervisory body within
struktur tata kelola Bank yang memegang peran strategis the Bank's governance structure, playing a strategic
dalam memastikan seluruh kegiatan Bank berjalan sesuai role in ensuring that all Bank activities are conducted in
dengan prinsip GCG dan peraturan perundang-undangan accordance with GCG principles and applicable laws
yang berlaku. Selain menjalankan peran pengawasan and regulations. In addition to its general supervisory role,
umum, Dewan Komisaris juga dapat melakukan the Board of Commissioners can also conduct specific
pengawasan khusus sesuai kebutuhan, termasuk menilai oversight as needed, including assessing the effectiveness
efektivitas pengelolaan operasional dan memastikan bahwa of operational management and ensuring that strategic
keputusan strategis yang diambil Direksi mendukung decisions made by the Board of Directors support the
pencapaian tujuan jangka panjang Bank. Kehadiran Dewan achievement of the Bank's long-term goals. The presence
Komisaris yang independen dan kompeten menjadi salah of an independent and competent Board of Commissioners
satu pilar utama dalam memperkuat tata kelola, integritas, is a key pillar in strengthening the Bank's governance,
dan akuntabilitas operasional Bank. integrity, and operational accountability.
Pedoman Kerja Dewan Komisaris Board of Commissioners Charter
Bank menetapkan Pedoman dan Tata Tertib Kerja Dewan The Bank establishes the Board of Commissioners' Charter
Komisaris melalui Kebijakan dan Prosedur Pedoman dan through the Charter’s Policy and Procedure, which was last
Tata Tertib Kerja Dewan Komisaris dan pembaharuan updated on September 23, 2025. These guidelines are
terakhir dilakukan pada 23 September 2025. Pedoman designed to provide a clear and systematic foundation for
ini disusun untuk memberikan landasan yang jelas dan the Board of Commissioners in carrying out its supervisory
sistematis bagi Dewan Komisaris dalam menjalankan function and providing strategic advice to the Board of
fungsi pengawasan dan memberikan nasihat strategis Directors, as well as ensuring compliance with GCG
kepada Direksi, serta memastikan kepatuhan terhadap principles in a consistent, professional, and accountable
prinsip GCG secara konsisten, profesional, dan akuntabel. manner.
Sesuai dengan POJK No. 17 Tahun 2023, pedoman ini In accordance with OJK Regulation No. 17 of 2023, these
mencakup beberapa aspek penting, antara lain: guidelines cover several important aspects, including:
1. Ketentuan Umum; 1. General Provisions;
2. Organisasi; 2. Organization;
3. Tugas dan Tanggung Jawab; 3. Duties and Responsibilities;
4. Rapat Dewan Komisaris; 4. Board of Commissioners Meetings;
5. Rapat Koordinasi Dewan Komisaris dan Direksi; 5. Coordination Meetings of the Board of Commissioners
6. Fokus Pengawasan dan Rekomendasi Dewan and Board of Directors;
Komisaris; 6. Focus of Supervision and Recommendations of the
Board of Commissioners;
7. Benturan Kepentingan; serta 7. Conflict of Interest; and
8. Lain-Lain dan Penutup. 8. Miscellaneous and Closing.
Pokok-pokok yang diatur dalam Pedoman dan Tata Tertib The main points stipulated in the Bank's Board of
Kerja Dewan Komisaris Bank telah memenuhi ketentuan Commissioners Guidelines and Work Procedures comply
POJK yang mencakup: with the provisions of the Financial Services Authority
Regulation (POJK), which include:
1. Pendahuluan; 1. Introduction;
2. Prinsip Tata Kelola; 2. Governance Principles;
3. Keanggotaan dan Etika Kerja Dewan Komisaris; 3. Membership and Work of Conduct of the Board of
Commissioners;
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Tata Kelola Perusahaan • Good Corporate Governance
4. Tugas, Tanggung Jawab dan Wewenang Dewan 4. Duties, Responsibilities, and Authorities of the Board
Komisaris; of Commissioners;
5. Waktu Kerja dan Rapat Dewan Komisaris; 5. Board of Commissioners Working Hours and
Meetings;
6. Independensi dan Pencegahan Benturan Kepentingan; 6. Independence and Prevention of Conflicts of Interest;
dan and
7. Penutup. 7. Closing.
Sebagai bentuk keterbukaan kepada seluruh pemangku As a form of transparency to all stakeholders, the Bank
kepentingan, Bank mempublikasikan Pedoman dan Tata publishes the Board of Commissioners Guidelines and
Tertib Kerja Dewan Komisaris pada situs web resmi yang Work Procedures on its official website, accessible
dapat diakses di: https://ibk.co.id. Langkah ini merupakan at: https://ibk.co.id. This step is part of the consistent
bagian dari penerapan praktik GCG secara konsisten. implementation of GCG practices.
Jumlah, Komposisi, dan Independensi Number, Composition, and Independence
Dewan Komisaris of the Board of Commissioners
Jumlah Number
Susunan Dewan Komisaris Bank terdiri dari 4 (empat) The Bank's Board of Commissioners consists of four
orang, termasuk 3 (tiga) orang di antaranya merupakan members, including three Independent Commissioners, or
Komisaris Independen atau sekitar 75% dari total anggota approximately 75% of the total Board of Commissioners.
Dewan Komisaris. Struktur tersebut tidak melebihi This structure does not exceed the Board of Directors' five
komposisi Direksi yang berjumlah 5 (lima) orang, sehingga members, thus complying with OJK regulations. The Board
telah sesuai dengan ketentuan OJK. Keberadaan Dewan of Commissioners' presence within the bank's governance
Komisaris di dalam struktur tata kelola bank dirancang structure is designed to ensure a clear and effective
untuk memastikan peran dan fungsi pengawasan berjalan oversight role and function, ensuring that every important
secara jelas dan efektif sehingga setiap aspek penting aspect of the Bank's operations is managed effectively,
dalam operasional Bank dapat dikelola dengan baik, professionally, and in accordance with GCG principles.
profesional, dan selaras dengan prinsip GCG.
Komposisi dan Masa Jabatan Composition and Term of Office
Dewan Komisaris Bank terdiri dari 4 (empat) anggota, The Bank's Board of Commissioners consists of four
termasuk 3 (tiga) di antaranya merupakan Komisaris members, including three Independent Commissioners, or
Independen atau sekitar 75% dari total anggota Dewan approximately 75% of the total Board of Commissioners.
Komisaris. Struktur tersebut tidak melampaui jumlah Direksi, This structure does not exceed the Board of Directors'
yaitu 5 (lima) orang, sehingga telah memenuhi ketentuan five members, thus complying with OJK regulations. This
OJK. Komposisi yang proporsional ini memastikan proportional composition ensures independent oversight
independensi pengawasan sekaligus memperkuat kualitas while strengthening the quality of the Bank's strategic
pengambilan keputusan strategis Bank. decision-making.
Proses pengangkatan dan pemberhentian anggota Dewan The appointment and dismissal of members of the Board
Komisaris dilakukan melalui mekanisme Rapat Umum of Commissioners are carried out through the General
Pemegang Saham (RUPS), dengan masa jabatan 3 (tiga) Meeting of Shareholders (GMS), with a term of office of
tahun. Anggota Dewan Komisaris dapat diangkat kembali three years. Members of the Board of Commissioners
untuk periode berikutnya, dengan mempertimbangkan may be reappointed for subsequent terms, taking into
efektivitas pelaksanaan tugas, efisiensi pengawasan, account the effectiveness of their duties, the efficiency of
serta kompleksitas usaha Bank. Kebijakan pengangkatan their oversight, and the complexity of the Bank's business.
senantiasa mengacu pada Anggaran Dasar Bank, The appointment policy consistently refers to the Bank's
Pedoman dan Tata Tertib Kerja Dewan Komisaris, serta Articles of Association, the Board of Commissioners'
peraturan perundang-undangan yang berlaku. Guidelines and Work Procedures, and applicable laws and
regulations.
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Tata Kelola Perusahaan • Good Corporate Governance
Berikut merupakan susunan dan komposisi Dewan The following is the composition of the Bank's Board of
Komisaris Bank sepanjang tahun 2025: Commissioners throughout 2025:
Periode 1 Januari 2025-31 Desember 2025
Period of January 1, 2025-December 31, 2025
Dasar Hukum
Persetujuan Otoritas Jasa
Nama Jabatan Pengangkatan Periode Jabatan
Keuangan
Name Position Legal Basis of Term of Office
FSA Approval
Appointment
Taufik Hakim Komisaris Utama Akta Pernyataan Salinan Keputusan Anggota Dewan Paling lama sampai
(Independen) Keputusan Rapat Komisioner Otoritas Jasa Keuangan No. dengan ditutupnya
President Perseroan No. 264 KEP-108/D.03/2022 tanggal 7 Juli 2022 RUPST pada tahun
Commissioner tanggal 20 Juni 2025. tentang Hasil Penilaian Kemampuan dan 2030.
(Independent) Deed of Meeting Decision Kepatutan. Until the conclusion
of the Company No. 264 Copy of Decision of the Members of the closing of the
dated June 20, 2025. the Board of Commissioners of the AGMS in 2030.
Financial Services Authority No. KEP-
108/D.03/2022 dated July 7, 2022,
concerning the Results of the Fit and
Proper Test.
Ko Dae Jin Komisaris Akta Pernyataan Salinan Keputusan Anggota Dewan Sampai dengan
Commissioner Keputusan Rapat Komisioner Otoritas Jasa Keuangan ditutupnya RUPST
Perseroan No. 23 tanggal No. KEPR-158/D.03/2024 tanggal 5 pada tahun 2027.
26 September 2024. Desember 2024 tentang Hasil Penilaian Until the closing of the
Deed of Meeting Decision Kemampuan dan Kepatutan. AGMS in 2027.
of the Company No. 23 Copy of Decision of the Members of
dated September 26, the Board of Commissioners of the
2024. Financial Services Authority No. KEPR-
158/D.03/2024 dated December 5,
2024, concerning the Results of the Fit
and Proper Test.
Damal Bayu Komisaris Akta Pernyataan Salinan Keputusan Anggota Dewan Paling lama sampai
Utama Independen Keputusan Rapat Komisioner Otoritas Jasa Keuangan No. dengan ditutupnya
Independent Perseroan No. 264 KEP-110/D.03/2022 tanggal 7 Juli 2022 RUPST pada tahun
Commissioner tanggal 20 Juni 2025. tentang Hasil Penilaian Kemampuan dan 2030.
Deed of Meeting Decision Kepatutan. Until the conclusion
of the Company No. 264 Copy of Decision of the Members of the closing of the
dated June 20, 2025. the Board of Commissioners of the AGMS in 2030.
Financial Services Authority No. KEP-
110/D.03/2022 dated July 7, 2022,
concerning the Results of the Fit and
Proper Test.
Joni Komisaris Akta Pernyataan Salinan Keputusan Anggota Dewan Paling lama sampai
Swastanto Independen Keputusan Rapat Komisioner Otoritas Jasa Keuangan No. dengan ditutupnya
Independent Perseroan No. 264 KEP-109/D.03/2022 tanggal 7 Juli 2022 RUPST pada tahun
Commissioner tanggal 20 Juni 2025. tentang Hasil Penilaian Kemampuan dan 2030.
Deed of Meeting Decision Kepatutan. Until the conclusion
of the Company No. 264 Copy of Decision of the Members of the closing of the
dated June 20, 2025. the Board of Commissioners of the AGMS in 2030.
Financial Services Authority No. KEP-
109/D.03/2022 dated July 7, 2022,
concerning the Results of the Fit and
Proper Test.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 251
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Tata Kelola Perusahaan • Good Corporate Governance Independensi Dewan Komisaris Independence of the Board of Commissioners Dewan Komisaris menjalankan fungsi pengawasan dan The Board of Commissioners carries out its supervisory pemberian nasihat kepada Direksi secara independen, and advisory functions to the Board of Directors objektif, serta bebas dari pengaruh pihak manapun yang independently, objectively, and free from any influence that dapat mengganggu kualitas pengambilan keputusan. could compromise the quality of its decision-making. This Independensi tersebut merupakan fondasi utama dalam independence is the primary foundation for ensuring that memastikan bahwa seluruh kebijakan dan tindakan all Bank management policies and actions remain aligned pengurusan Bank senantiasa selaras dengan kepentingan with the interests of the Bank, shareholders, and other Bank, pemegang saham, serta pemangku kepentingan stakeholders. lainnya. Dalam menjalankan fungsi pengawasan, Dewan Komisaris In carrying out its supervisory function, the Board of senantiasa menjunjung tinggi prinsip profesionalisme Commissioners consistently upholds the principles of dan akuntabilitas. Setiap keputusan diambil secara professionalism and accountability. All decisions are kolektif kolegial melalui mekanisme rapat dengan tetap made collectively and collegially through meetings, while menghormati perbedaan pandangan yang konstruktif. respecting constructive differences of opinion. Penilaian Kemampuan dan Kepatutan Board of Commissioners Fit and Proper Dewan Komisaris Test Setiap calon anggota Dewan Komisaris Bank hanya Each prospective member of the Bank's Board of dapat menjalankan tugas, wewenang, dan tanggung Commissioners may only carry out their duties, authorities, jawabnya setelah memperoleh persetujuan dari OJK. and responsibilities after obtaining approval from the Ketentuan ini selaras dengan POJK No. 27/POJK.03/2016 Financial Services Authority (OJK). This provision aligns tentang Penilaian Kemampuan dan Kepatutan bagi Pihak with OJK Regulation No. 27/POJK.03/2016 concerning the Utama Lembaga Jasa Keuangan, yang bertujuan untuk Fit and Proper Test for Key Persons of Financial Services memastikan bahwa calon Dewan Komisaris memenuhi Institutions, which aims to ensure that prospective members persyaratan integritas, kompetensi, dan reputasi keuangan of the Board of Commissioners meet the requirements of yang memadai. integrity, competence, and adequate financial reputation. Penilaian Kemampuan dan Kepatutan (Fit and Proper The Fit and Proper Test is conducted through a Test) dilaksanakan melalui evaluasi menyeluruh atas comprehensive evaluation of integrity, competence, aspek integritas, kompetensi, dan kepatuhan terhadap and compliance with applicable laws and regulations. ketentuan peraturan perundang-undangan yang berlaku. The results of this assessment serve as the basis for Hasil penilaian tersebut menjadi dasar bagi OJK dalam the Financial Services Authority (OJK) in approving the memberikan persetujuan atas pengangkatan anggota appointment of members of the Board of Commissioners, Dewan Komisaris, sekaligus memastikan efektivitas while also ensuring the effectiveness of their supervisory pelaksanaan fungsi pengawasan dan pemberian nasihat and advisory functions to the Board of Directors. kepada Direksi. 252 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Berikut adalah daftar anggota Dewan Komisaris Bank yang The following is a list of members of the Bank's Board of
telah dinyatakan lulus Penilaian Kemampuan dan Kepatutan Commissioners who have passed the Fit and Proper Test
tanpa catatan serta telah memperoleh persetujuan dari OJK: without any exceptions and have received approval from
the OJK:
Susunan Anggota Dewan Komisaris Bank per 31 Desember 2025
Composition of the Bank’s Board of Commissioners as of December 31, 2025
Tanggal Efektif Berdasarkan
Nama Jabatan Pelaksana Hasil Surat OJK
Name Position Implementor Result Effective Date based on FSA
Letter
Taufik Hakim Komisaris Utama OJK Lulus No. KEP-108/D.03/2022 tanggal 7
(Independen) Passed Juli 2022
President Commissioner No. KEP-108/D.03/2022 dated July
(Independent) 7, 2022
Ko Dae Jin Komisaris OJK Lulus No. KEPR-158/D.03/2024 tanggal 5
Commissioner Passed Desember 2024
No. KEPR-158/D.03/2024 dated
December 5, 2024
Damal Bayu Utama Komisaris Independen OJK Lulus No. KEP-110/D.03/2022 tanggal 7
Independent Passed Juli 2022
Commissioner No. KEP-110/D.03/2022 dated July
7, 2022
Joni Swastanto Komisaris Independen OJK Lulus No. KEP-109/D.03/2022 tanggal 7
Independent Passed Juli 2022
Commissioner No. KEP-109/D.03/2022 dated July
7, 2022
Bank memastikan bahwa seluruh anggota Dewan Komisaris The Bank ensures that all serving members of the Board
yang menjabat telah mengikuti dan dinyatakan lulus uji of Commissioners have participated in and passed
kemampuan dan kepatutan (fit and proper test) yang the fit and proper test conducted by Bank Indonesia
diselenggarakan oleh Bank Indonesia atau OJK, sebagai or the Financial Services Authority (OJK), as a form of
bentuk verifikasi kompetensi, integritas, dan kelayakan verification of competency, integrity, and suitability to carry
dalam menjalankan fungsi eksekutif. Hal ini sesuai dengan out executive functions. This is in accordance with the
ketentuan yang diatur dalam POJK No. 17 Tahun 2023 provisions stipulated in POJK No. 17 of 2023 concerning
tentang Penerapan Tata Kelola bagi Bank Umum. the Implementation of Governance for Commercial Banks.
Komisaris Independen Independent Commissioners
Komisaris Independen merupakan bagian integral dari Independent Commissioners are an integral part of the
Dewan Komisaris yang memiliki kriteria khusus untuk Board of Commissioners and have specific criteria for
melaksanakan fungsi pengawasan. Hal ini dimaksudkan carrying out their supervisory function. This is intended
untuk memastikan bahwa setiap penilaian, rekomendasi, to ensure that every assessment, recommendation, and
dan keputusan yang diambil didasarkan pada pertimbangan decision made is based on professional considerations
profesional serta bebas dari benturan kepentingan. and is free from conflicts of interest.
Komisaris Independen berperan aktif dalam proses Independent Commissioners play an active role in
pengambilan keputusan strategis melalui forum rapat the strategic decision-making process through Board
Dewan Komisaris serta keterlibatannya dalam komite- of Commissioners meetings and their involvement in
komite pendukung, seperti Komite Audit dan komite lainnya supporting committees, such as the Audit Committee and
sesuai ketentuan yang berlaku. Melalui perannya tersebut, other committees in accordance with applicable regulations.
Komisaris Independen memberikan pandangan yang Through these roles, Independent Commissioners provide
objektif, kritis, dan konstruktif terhadap kebijakan, kinerja, objective, critical, and constructive insights into the
serta pengelolaan risiko Perseroan. Company's policies, performance, and risk management.
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Tata Kelola Perusahaan • Good Corporate Governance
Kriteria Komisaris Independen Independent Commissioner Criteria
Bank menetapkan kriteria Komisaris Independen dengan The Bank establishes criteria for Independent
tujuan memastikan anggota Dewan Komisaris mampu Commissioners to ensure that members of the Board
menjalankan fungsi pengawasan dan pengambilan of Commissioners are capable of carrying out their
keputusan secara objektif, bebas dari pengaruh atau supervisory and decision-making functions objectively, free
kepentingan pihak manapun. Kriteria ini mengacu pada from the influence or interests of any party. These criteria
ketentuan POJK 33/2014 tentang Direksi dan Dewan refer to the provisions of POJK 33/2014 concerning the
Komisaris Emiten atau Perusahaan Publik, yang mencakup Board of Directors and Board of Commissioners of Issuers
hal-hal sebagai berikut: or Public Companies, which includes the following matters:
Komisaris Independen
Kriteria Independent Commissioners
Criteria Joni Damal Bayu
Taufik Hakim
Swastanto Utama
Bukan merupakan orang yang bekerja atau mempunyai wewenang dan
tanggung jawab untuk merencanakan, memimpin, mengendalikan, atau
mengawasi kegiatan Emiten atau Perusahaan Publik tersebut dalam waktu 6
(enam) bulan terakhir, kecuali untuk pengangkatan kembali sebagai Komisaris
Independen Bank pada periode berikutnya. √ √ √
Not a person who works or has the authority and responsibility to plan, lead,
control, or supervise the activities of the Issuer or Public Company within
the last 6 (six) months, except for reappointment as the Bank’s Independent
Commissioner in the following period.
Tidak mempunyai saham, baik langsung maupun tidak langsung, pada Bank
tersebut. √ √ √
Has no shares, either directly or indirectly, in the Bank.
Tidak mempunyai hubungan afiliasi dengan Bank, anggota Direksi, anggota
Dewan Komisaris, atau Pemegang Saham Utama dan Pengendali Bank
Has no affiliation with the Bank, members of the Board of Directors, members √ √ √
of the Board of Commissioners, or the Main and Controlling Shareholders of
the Bank.
Tidak mempunyai hubungan usaha, baik langsung maupun tidak langsung,
yang berkaitan dengan kegiatan usaha Bank.
√ √ √
Has no business relationship, either directly or indirectly, related to the Bank’s
business activities.
Pernyataan Independensi Komisaris Independent Commissioner
Independen Independence Statement
Sebagaimana diatur dalam POJK No. 17 Tahun 2023, As stipulated in OJK Regulation No. 17 of 2023, all
seluruh Komisaris Independen Bank yang sudah menjabat Independent Commissioners of the Bank who have
lebih dari 2 (dua) periode diwajibkan untuk menandatangani served for more than two terms are required to sign an
Surat Pernyataan Independensi yang disampaikan di Independence Statement, which is submitted to the GMS.
dalam RUPS. Surat ini merupakan komitmen resmi bahwa This letter constitutes an official commitment that each
setiap Komisaris Independen akan menjalankan tugas dan Independent Commissioner will carry out their duties and
tanggung jawabnya secara profesional, berintegritas, serta responsibilities professionally, with integrity, and free from
bebas dari benturan kepentingan. conflicts of interest.
Sampai dengan tahun 2025, Perseroan belum mempunyai As of 2025, the Company has not had any Independent
Komisaris Independen yang menjabat lebih dari 2 (dua) Commissioners serving for more than two terms.
periode.
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Tata Kelola Perusahaan • Good Corporate Governance
Keberagaman Komposisi Dewan Komisaris Composition Diversity in the Board of
Commissioners
Bank senantiasa menempatkan penerapan prinsip The Bank consistently prioritizes the implementation of the
keberagaman (diversity) sebagai salah satu pilar dalam principle of diversity as one of the pillars in the formation of
pembentukan Dewan Komisaris, sebagai bagian dari the Board of Commissioners, as part of its commitment to
komitmen terhadap praktik tata kelola perusahaan yang good corporate governance practices. This approach aligns
baik. Pendekatan ini sejalan dengan ketentuan Lampiran with the provisions of Appendix to OJK Circular Letter No.
SEOJK No. 32/SEOJK.04/2015 tentang Pedoman Tata 32/SEOJK.04/2015 concerning Guidelines for Public
Kelola Perusahaan Terbuka, yang menekankan pentingnya Company Governance, which emphasizes the importance
keberagaman dalam hal latar belakang pendidikan, of diversity in terms of educational background, expertise,
keahlian, pengalaman profesional, usia, dan gender, guna professional experience, age, and gender, to support the
mendukung efektivitas fungsi pengawasan. effectiveness of the supervisory function.
Dalam proses pembentukan Dewan Komisaris, Bank In the establishment process of the Board of Commissioners,
memastikan tidak terdapat diskriminasi berdasarkan the Bank ensures that there is no discrimination based on
suku, agama, ras, golongan, atau gender, serta selalu ethnicity, religion, race, social class, or gender, and always
mengedepankan prinsip kesetaraan dan profesionalisme. prioritizes the principles of equality and professionalism.
Setiap pengangkatan anggota Dewan Komisaris Each appointment of a member of the Board of
mempertimbangkan kompetensi yang relevan, integritas, Commissioners takes into account relevant competencies,
rekam jejak, dan pengalaman yang diperlukan agar integrity, track record, and experience necessary to
Dewan Komisaris dapat menjalankan fungsi pengawasan optimally carry out its supervisory function and provide
dan memberikan nasihat strategis kepada Direksi secara strategic advice to the Board of Directors.
optimal.
Dengan pendekatan ini, Bank tidak hanya memperkuat With this approach, the Bank not only strengthens the
efektivitas pengawasan dan kualitas pengambilan effectiveness of oversight and the quality of strategic
keputusan strategis, tetapi juga menegaskan komitmen decision-making but also affirms its commitment to
terhadap tata kelola yang transparan, inklusif, dan transparent, inclusive, and sustainable governance.
berkelanjutan.
Aspek Keberagaman Penjelasan
Aspect of Diversity Description
Pendidikan Dewan Komisaris Bank mempunyai latar pendidikan yang beragam, yaitu S1, S2, hingga S3
Education dengan kompetensi di bidang ekonomi, ilmu politik, serta administrasi publik.
The Bank’s Board of Commissioners have diverse educational backgrounds, which are
Bachelor degree and Master degree with competencies in economics, political science, and
public administration.
Pengalaman Kerja Dewan Komisaris Bank mempunyai pengalaman kerja yang beragam, terutama dalam industri
Work Experience perbankan.
The Bank’s Board of Commissioners have diverse work experience, particularly in banking
industry.
Usia Rata-rata usia Dewan Komisaris Bank, yaitu 60-69 tahun.
Age The average age of the Bank’s Board of Commissioners is 60-69 years.
Jenis Kelamin Sesuai dengan kebutuhan, anggota Dewan Komisaris Bank masih didominasi oleh pria. Namun
Gender demikian, hal ini tidak menutup kemungkinan untuk Bank dalam mengangkat seorang anggota
Dewan Komisaris wanita di kemudian hari.
In accordance with the requirements, members of the Bank’s Board of Commissioners are still
dominated by male. However, this does not rule out the possibility for the Bank to appoint a
female member of the Board of Commissioners in the future.
Bidang Keahlian Bisnis, Perbankan, Risiko Manajemen, Keuangan, dan Ekonomi.
Expertise Business, Banking, Risk Management, Finance and Economy.
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Tata Kelola Perusahaan • Good Corporate Governance
Tugas dan Tanggung Jawab Dewan Duties and Responsibilities of the Board
Komisaris of Commissioners
Dewan Komisaris Bank memiliki peran strategis dalam The Board of Commissioners plays a strategic role in
memastikan pengelolaan Bank berjalan sesuai prinsip ensuring that the Bank is managed in accordance with
GCG. Secara umum, tugas dan tanggung jawab Dewan Good Corporate Governance (GCG) principles. It is
Komisaris mencakup pengawasan terhadap pelaksanaan responsible for overseeing the policies and performance of
kebijakan oleh Direksi, evaluasi kinerja operasional dan the Board of Directors, and for providing advice to support
strategis, serta pemberian nasihat untuk mendukung the achievement of the Bank’s long-term objectives.
pencapaian tujuan jangka panjang Bank.
Secara lebih rinci, tugas dan tanggung jawab Dewan The duties and responsibilities of the Board of
Komisaris meliputi: Commissioners include:
1. Setiap anggota Dewan Komisaris tidak boleh bertindak 1. Each member of the Board of Commissioners must
secara individual dan akan bertindak berdasarkan not act individually and will act based on the decision
keputusan Dewan Komisaris. of the Board of Commissioners.
2. Dewan Komisaris akan melaksanakan tugas dan 2. The Board of Commissioners will carry out its duties
tanggung jawabnya dengan itikad baik, dengan penuh and responsibilities in good faith, with full responsibility,
tanggung jawab, kehati-hatian, dan independensi. prudence, and independence.
3. Dewan Komisaris harus memastikan bahwa prinsip- 3. The Board of Commissioners must ensure that the
prinsip tata kelola Perusahaan yang Baik diterapkan principles of good corporate governance are applied
dalam seluruh aktivitas bisnis Bank dan seluruh level in all Bank business activities and at all levels of the
organisasi setidaknya melalui: organization through, at least:
a. Pelaksanaan tugas dan tanggung jawab Dewan a. Implementation of the duties and responsibilities
Komisaris dan Direksi; of the Board of Commissioners and the Board of
Directors;
b. Kelengkapan dan pelaksanaan tugas Komite dan b. The completeness and implementation of the
Unit Kerja saat menjalankan tugas Bank fungsi duties of Committees and Work Units when
kontrol internal; carrying out the Bank's internal control functions;
c. Implementasi fungsi kepatuhan audit internal dan c. Implementation of internal and external audit
eksternal; compliance functions;
d. Penerapan manajemen risiko termasuk tindak d. Implementation of risk management, including
pengendalian internal; internal control measures;
e. Pemberian dana kepada pihak terkait dan e. Provision of funds to related parties and the
penyediaan dana besar; provision of large sums of money;
f. Rencana Strategis Bank; f. The Bank's Strategic Plan;
g. Transparansi kondisi keuangan dan non- g. Transparency of the Bank's financial and non-
keuangan Bank; serta financial conditions; and
h. Persetujuan dan tinjauan berkala terhadap Visi, h. Periodic approval and review of the Bank's Vision,
Misi, dan Nilai-Nilai Inti Bank; Mission, and Core Values;
4. Dewan Komisaris akan mengawasi kebijakan 4. The Board of Commissioners will supervise
manajemen, proses manajemen secara umum, dan management policies, general management
bertanggung jawab atas pengawasan ini, serta akan processes, and be responsible for this supervision, as
memberikan saran kepada jajaran Direksi. well as provide advice to the Board of Directors.
5. Dalam melakukan tugas pengawasan sebagaimana 5. In performing supervisory duties as referred to in point
dimaksud dalam angka (3) dan (4) di atas, Dewan (3) and (4) above, the Board of Commissioners must
Komisaris wajib mengarahkan, memantau, dan direct, monitor, and evaluate the Bank’s strategic
mengevaluasi kebijakan strategis Bank implementasi policy implementation pursuant to the regulations.
sesuai dengan peraturan.
6. Dalam hal hanya ada seorang anggota Dewan 6. In the event that there is only one Board of
Komisaris, segala tugas dan wewenang yang Commissioners’ member, all duties and authorities
diberikan kepada Komisaris Utama atau anggota granted to the President Commissioner, or Board of
Dewan Komisaris dalam Anggaran Dasar berlaku pula Commissioners’ members, as described in the Articles
baginya. of Association will automatically apply to him/her.
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Tata Kelola Perusahaan • Good Corporate Governance
7. Dewan Komisaris dilarang ikut serta pengambilan 7. The Board of Commissioners is prohibited from
keputusan terkait operasional Bank, kecuali untuk: participating in decision-making related to the Bank's
operations, except for:
a. Ketentuan pinjaman kepada pihak terkait a. a. Provisions for loans to related parties as
sebagaimana diatur dalam peraturan OJK tentang stipulated in the Financial Services Authority
Batas Maksimum Pemberian Kredit untuk Bank (OJK) regulations concerning the Maximum
Umum; serta Lending Limit for Commercial Banks; and
b. Hal-hal lain yang ditentukan dalam Anggaran b. b. Other matters stipulated in the Articles of
Dasar atau dalam peraturan dan perundang- Association or applicable laws and regulations.
undangan yang berlaku.
8. Pengambilan keputusan oleh Dewan Komisaris 8. Decision-making by the Board of Commissioners as
sebagaimana dimaksud pada angka (7) di atas referred to in point (7) above is part of the Board of
merupakan bagian dari fungsi pengawasan Dewan Commissioners' supervisory function to ensure that it
Komisaris agar tidak meniadakan tanggung jawab does not negate the Board of Directors' responsibility
Direksi atas manajemen Bank. for the Bank's management.
9. Dewan Komisaris menyetujui dan memantau 9. The Board of Commissioners approves and monitors
pelaksanaan strategi Bank, Rencana Bisnis (RBB), the implementation of the Bank’s strategies, Business
dan beberapa kebijakan sesuai dengan peraturan yang Plan (RBB), and several policies in accordance with
berlaku, termasuk pembentukan dan implementasi the applicable regulations, including the establishment
strategi terkait Anti-Fraud, Anti-Pencucian Uang and implementation of strategies related to Anti-
dan Memerangi Pembiayaan Terorisme (AMLCFT), Fraud, Anti-Money Laundering and CounterTerrorism
Pelaporan Pelanggaran, Tata Kelola Perusahaan Financing (AML-CTF), Whistleblowing, Integrated
Terintegrasi, Transaksi Pihak Terkait (RPT), Batas Corporate Governance, Related Party Transactions
Maksimum Pemberian Kredit (BMPK), dan strategi (RPT), Legal Lending Limit (LLL), and the Bank other
Bank lainnya sesuai dengan ketentuan yang berlaku. strategic in line with applicable regulations.
10. Melalui Komite Remunerasi dan Nominasi, mengawasi 10. Through the Remuneration and Nomination Committee,
pemilihan dan penilaian calon anggota Direksi dan the Board supervises the selection and evaluation of
Dewan Komisaris tanpa intervensi. prospective members of the Board of Directors and
the Board of Commissioners without intervention.
11. Dewan Komisaris harus memastikan bahwa Direksi 11. The Board of Commissioners must ensure that the
telah menindaklanjuti temuan audit dan rekomendasi Board of Directors has taken follow up actions on
dari Audit Internal Bank, auditor eksternal, dan hasil audit findings and recommendations from the Bank’s
pengawasan dari OJK dan/atau otoritas lain. Internal Audit, external auditor, and supervision results
from OJK and/or other authorities.
12. Dewan Komisaris wajib melaporkan kepada OJK 12. The Board of Commissioners is required to report to
dalam waktu 7 (tujuh) hari kerja setiap temuan terkait the OJK within 7 (seven) working days any findings
dengan. related to:
a. Pelanggaran hukum, peraturan keuangan, a. Violations of laws, financial regulations, and
perbankan; serta banking regulations; and
b. Segala keadaan atau keadaan yang diproyeksikan b. Any circumstances or projected conditions that
yang dapat membahayakan keberlangsungan could jeopardize the Bank's business continuity.
bisnis Bank.
13. Untuk mendukung efektivitas tugas dan tanggung 13. To support the effectiveness of its duties and
jawabnya, Dewan Komisaris akan membentuk responsibilities, the Board of Commissioners will
setidaknya: establish at least:
a. Komite Audit; a. Audit Committee;
b. Komite Pemantau Risiko; serta b. Risk Monitoring Committee; and
c. Komite Remunerasi dan Nominasi. c. Remuneration and Nomination Committee.
14. Dewan Komisaris akan mengawasi komite yang sudah 14. The Board of Commissioners will oversee the
dibentuk, sebagaimana dimaksud pada angka (13) di established committees, as referred to in point (13)
atas, demikian pula mereka melaksanakan tugasnya above, and ensure that they carry out their duties
secara efektif dan harus mengevaluasi dan/atau effectively. They must evaluate and/or assess the
menilai kinerja komite-komite ini pada setiap akhir performance of these committees at the end of each
tahun. year.
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15. Dewan Komisaris akan melakukan pengawasan aktif 15. The Board of Commissioners will actively supervise
terhadap Fungsi Kepatuhan dengan: the Compliance Function by:
a. Mengevaluasi Fungsi Kepatuhan Bank setidaknya a. Evaluating the Bank's Compliance Function at
2 (dua) kali dalam setahun; serta least twice a year; and
b. Memberikan saran untuk meningkatkan kualitas b. Providing recommendations to improve the
Fungsi Kepatuhan Bank. quality of the Bank's Compliance Function.
16. Berdasarkan angka (15), Dewan Komisaris wajib 16. Based on point (15), the Board of Commissioners is
memberikan rekomendasi untuk meningkatkan kualitas required to provide recommendations to the President
Fungsi Kepatuhan kepada Direktur Utama. Director to improve the quality of the Compliance
Function.
17. Dewan Komisaris bertanggung jawab untuk 17. The Board of Commissioners is responsible for
memastikan penerapan manajemen risiko sesuai ensuring the risk management implementation
dengan karakteristik, kompleksitas, dan profil risiko is in accordance with the Bank's characteristics,
Bank berdasarkan: complexity, and risk profile based on:
a. Menyetujui kebijakan manajemen risiko termasuk a. Approve risk management policies, including
strategi dan kerangka kerja manajemen risiko risk management strategies and frameworks,
yang ditentukan berdasarkan risk appetite dan determined based on the bank's risk appetite and
bank risk tolerance; serta risk tolerance; and
b. Mengevaluasi kebijakan dan strategi manajemen b. Evaluate risk management policies and strategies
risiko setidaknya setahun sekali atau lebih jika at least annually, or more frequently if there are
terjadi perubahan faktor-faktor yang secara changes in factors that significantly impact the
signifikan memengaruhi kegiatan bisnis Bank. Bank's business activities.
18. Setiap anggota Dewan Komisaris bertanggung jawab 18. Each member of the Board of Commissioners is
secara bersama-sama dan tanggung jawab yang jointly and severally liable for losses caused by
besar atas kerugian yang disebabkan oleh kesalahan errors or negligence by members of the Board of
atau kelalaian oleh anggota Dewan Komisaris di dalam Commissioners in carrying out their duties.
menjalankan tugasnya.
19. Anggota Dewan Komisaris tidak bertanggung jawab 19. Members of the Board of Commissioners are not
atas kerugian Bank sebagaimana dimaksud pada ayat liable for the Bank's losses as referred to in paragraph
(18) jika terbukti bahwa: (18) if it is proven that:
a. Kerugian itu bukan karena kesalahan atau a. The loss was not due to their error or negligence;
kelalaian mereka;
b. Mereka melakukan pengawasan dengan itikad b. They perform supervision in good faith, with
baik, dengan tanggung jawab penuh, mengikuti full responsibility, adhering to the principle of
prinsip kehati-hatian untuk kepentingan, dan prudence, in the interests of, and in accordance
sesuai dengan tujuan Bank; with, the Bank's objectives;
c. Tidak ada konflik kepentingan langsung atau c. There was no direct or indirect conflict of interest
tidak langsung dalam kegiatan manajemen yang in the management activities that resulted in the
mengakibatkan kerugian; serta loss; and
d. Mereka telah mengambil tindakan yang diperlukan d. They have taken the necessary actions to prevent
untuk mencegah kerugian yang terjadi atau the loss from occurring or continuing.
berlanjut.
20. Seorang anggota Dewan Komisaris yang ditunjuk 20. A member of the Board of Commissioners appointed
oleh Dewan Komisaris harus memimpin Rapat Umum by the Board of Commissioners must chair the General
Pemegang Saham (RUPS). Meeting of Shareholders (GMS).
21. Dalam hal semua anggota Dewan Komisaris tidak 21. If all members of the Board of Commissioners are
hadir atau tidak dapat hadir karena alasan apa pun absent or unable to attend for any reason without
tanpa syarat untuk membuktikan kepada pihak ketiga, requiring proof to a third party, the President Director
Direktur Utama akan memimpin RUPS. will preside over the GMS.
22. Dalam menjalankan tugasnya, Dewan Komisaris 22. In carrying out its duties, the Board of Commissioners
berhak meminta bantuan para ahli untuk jangka waktu has the right to request expert assistance for a limited
terbatas. period.
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23. Dewan Komisaris berdasarkan keputusan rapat 23. The Board of Commissioners, based on a resolution of
Dewan Komisaris berwenang untuk memberhentikan a Board of Commissioners meeting, has the authority
sementara anggota Direksi dengan menyebutkan to temporarily dismiss any member of the Board of
alasannya. Dalam hal anggota Direksi diberhentikan Directors by stating the reasons. If a member of the
untuk sementara waktu, Dewan Komisaris harus Board of Directors is temporarily dismissed, the Board
menyelenggarakan RUPS dalam waktu 90 of Commissioners must hold a GMS within 90 (ninety)
(sembilan puluh) hari setelah tanggal pemberhentian days of the date of dismissal to revoke or enforce the
untuk mencabut atau memberlakukan keputusan dismissal decision.
pemberhentian.
24. Dewan Komisaris dapat melakukan tindakan 24. The Board of Commissioners may undertake Bank
manajemen Bank dalam keadaan tertentu dan untuk management actions under certain circumstances
jangka waktu tertentu. Dalam hal demikian, semua and for a certain period. In such cases, all provisions
ketentuan mengenai hak, wewenang, dan tanggung regarding the rights, authorities, and responsibilities of
jawab Direksi kepada Bank dan pihak ketiga akan the Board of Directors to the Bank and third parties
berlaku untuk Dewan Komisaris. shall apply to the Board of Commissioners.
25. Dewan Komisaris setiap saat dalam jam kerja, berhak 25. The Board of Commissioners has the right to enter
memasuki gedung, pekarangan, atau bangunan buildings, grounds, or other structures used or
lain yang digunakan atau dikendalikan oleh Bank, controlled by the Bank at any time during business
dan berhak memeriksa semua akun, surat, dan bukti hours and to inspect all accounts, letters, and other
lainnya untuk mengaudit dan memverifikasi uang tunai evidence to audit and verify cash and other financial
dan kondisi keuangan lainnya, serta untuk mengetahui conditions, as well as to be aware of all actions taken
semua tindakan yang diambil oleh Direksi. by the Board of Directors.
26. Dewan Komisaris memiliki hak untuk memperoleh 26. The Board of Commissioners has the right to obtain
penjelasan tentang semua hal yang berkaitan dengan explanations on all matters relating to the Bank's
operasi Bank serta hal-hal yang berkaitan dengan operations and matters related to the Bank's ethical
standar etika Bank. standards.
27. Dewan Komisaris harus memastikan bahwa Direksi 27. The Board of Commissioners must ensure that the
memiliki dan melaksanakan rencana Literasi Keuangan Board of Directors has and implements a Financial
dan Inklusi Keuangan terhadap masyarakat atau Literacy and Financial Inclusion plan for the public and
nasabah. customers.
28. Dewan Komisaris harus menyiapkan rencana suksesi 28. The Board of Commissioners must prepare a
untuk Chief Executive Officer (CEO)/Presiden succession plan for the Chief Executive Officer
Direktur dan manajemen utama untuk memastikan (CEO)/President Director and key management to
kepemimpinan Bank yang berkelanjutan di masa ensure the Bank's sustainable leadership in the future.
depan.
29. Menyelenggarakan rapat secara berkala minimal 4 29. Hold periodic meetings at least 4 (four) times a year,
(empat) kali dalam setahun dan di antaranya 2 (dua) of which 2 (two) meetings must be fully attended by all
kali rapat harus dihadiri lengkap oleh seluruh anggota members of the Board of Commissioners.
Dewan Komisaris.
Tugas dan Tanggung Jawab Masing-Masing Dewan Duties and Responsibilities of Each Member of the
Komisaris Board of Commissioners
Dewan Komisaris membagi tugas dan tanggung jawab The Board of Commissioners divides duties and
berdasarkan keahlian dan kompetensi masing-masing responsibilities based on the expertise and competency
anggota sehingga setiap fungsi pengawasan dan of each member so that each supervisory and strategic
strategis dapat dijalankan secara fokus, efektif, dan function can be carried out in a focused, effective, and
akuntabel. Pendekatan ini memastikan bahwa seluruh accountable manner. This approach ensures that all
aspek operasional, manajemen risiko, dan pengambilan aspects of operations, risk management, and strategic
keputusan strategis mendapat perhatian yang optimal dari decision-making receive optimal attention from the Board
Dewan Komisaris. of Commissioners.
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Rincian tugas dan tanggung jawab masing-masing The details of the duties and responsibilities of each
Komisaris adalah sebagai berikut: Commissioner are as follows:
Jabatan dan Ruang
Nama Lingup Pekerjaan Tanggung Jawab
Name Position and Scope of Responsibility
Work
Taufik Hakim Komisaris Utama 1. Mengkoordinasikan pelaksanaan tugas dan tanggung jawab Dewan Komisaris.
(Independen) 2. Mengusulkan rapat Dewan Komisaris, termasuk agenda/rapat.
President Commissioner 3. Memanggil dan memimpin rapat Dewan Komisaris.
(Independent) 4. Menyampaikan laporan pengawasan untuk persetujuan dari RUPS tentang tugas
Dewan Komisaris dan kinerja pengawasan.
5. Memastikan bahwa tanggung jawab Dewan Komisaris telah dilaksanakan sesuai
dengan prosedur yang tepat.
6. Memastikan bahwa rapat Dewan Komisaris membuat keputusan yang efektif
berdasarkan informasi yang relevan dan lengkap, termasuk memastikan bahwa.
a. Seluruh masalah strategis dan kritis dipertimbangkan oleh Dewan Komisaris;
b. Masalah yang ada dibahas dengan cermat dan teliti;
c. Seluruh anggota Dewan Komisaris diberikan kesempatan untuk berkontribusi
secara efektif;
d. Setiap Dewan Komisaris menerima informasi yang relevan secara tepat waktu,
termasuk diberi pengarahan yang tepat tentang masalah-masalah yang timbul
pada rapat Dewan Komisaris; serta
e. Rapat Dewan Komisaris membuat keputusan dan resolusi yang jelas dan
dicatat.
7. Memastikan bahwa Dewan Komisaris berperilaku sesuai dengan Tata Tertib
Dewan Komisaris.
8. Mengupayakan untuk memenuhi persyaratan pengembangan Dewan Komisaris.
9. Melakukan tanggung jawab lain yang diberikan oleh Dewan Komisaris dari waktu
ke waktu.
10. Melakukan evaluasi akhir terhadap kinerja kolegial Dewan Komisaris, komite-
komite, dan evaluasi individual terhadap anggota Dewan Komisaris dan anggota
komite telah mempertimbangkan rekomendasi Komite Remunerasi dan Nominasi.
1. Coordinate the implementation of the Board of Commissioners’ duties and
responsibilities;
2. Propose the Board of Commissioners’ meetings including agenda/meetings;
3. Invite and chair the Board of Commissioners’ meetings;
4. Submit the supervisory report for approval from the GMS on the Board of
Commissioners’ duties and supervisory performance;
5 Ensure that the Board of Commissioners’ responsibilities are carried out in
accordance with the appropriate procedures;
6. Ensure that the Board of Commissioners’ meetings make effective decisions
based on relevant and complete information, including to ensure that:
a. All strategic and critical issues are considered by the Board of Commissioners;
b. Existing matters are carefully and thoroughly discussed;
c. All Board of Commissioners’ members are given the opportunity to contribute
effectively;
d. Each member of the Board of Commissioners receives relevant information
in a timely manner, including to be properly directed on matters arising at the
Board of Commissioners’ meetings; and
e. The Board of Commissioners’ meetings make clear and recorded decisions
and resolutions;
7. Ensure that the Board of Commissioners behaves in accordance with the Board
of Commissioners’ Charter;
8. Strive to fulfill the requirements of the Board of Commissioners’ development;
9. Carry out other responsibilities as assigned by the Board of Commissioners from
time to time; and
10. Conduct final evaluation on the collegial performance of the Board of
Commissioners, committees, as well as individual evaluation of Board of
Commissioners’ members and committee members, by considering the
recommendations made by the Remuneration and Nomination Committee
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Jabatan dan Ruang
Nama Lingup Pekerjaan Tanggung Jawab
Name Position and Scope of Responsibility
Work
Ko Dae Jin Komisaris
Commissioner Tugas dan tanggung jawab Komisaris dan Komisaris Independen, di luar Komisaris
Utama, telah diuraikan pada bagian Tugas dan Tanggung Jawab Dewan Komisaris
Damal Bayu Utama Komisaris Independen
secara umum di atas.
Independent
Commissioner
Duties and responsibilities of the Board of Commissioners and Independent
Joni Swastanto Komisaris Independen Commissioners, apart from the President Commissioner, have been described in the
Independent general Duties and Responsibilities of the Board of Commissioners section above.
Commissioner
Rapat Dewan Komisaris Board of Commissioners Meetings
Kebijakan Rapat Dewan Komisaris Board of Commissioners Meeting Policy
Pelaksanaan rapat internal Dewan Komisaris Bank Internal meetings of the Bank's Board of Commissioners are
diwajibkan sekurang-kurangnya 1 (satu) kali setiap 2 (dua) required to be held at least once every two months. These
bulan. Rapat ini menjadi forum bagi Dewan Komisaris untuk meetings serve as a forum for the Board of Commissioners
membahas pengawasan operasional, kinerja Direksi, serta to discuss operational oversight, the performance of the
isu strategis yang memerlukan perhatian dan rekomendasi Board of Directors, and strategic issues requiring attention
dari Dewan Komisaris. Kebijakan dan frekuensi rapat and recommendations from the Board of Commissioners.
Dewan Komisaris Bank telah disusun selaras dengan The Bank's Board of Commissioners meeting policy and
ketentuan POJK 33/2014 dan POJK No. 17 Tahun 2023. frequency have been established in accordance with the
provisions of POJK 33/2014 and POJK No. 17 of 2023.
Frekuensi dan Tingkat Kehadiran Rapat Meeting Frequency and Attendance
Sepanjang tahun 2025, Dewan Komisaris telah Throughout 2025, the Board of Commissioners has held
mengadakan 12 (dua belas) kali rapat internal dengan 12 (twelve) internal meetings, as described below:
uraian sebagai berikut:
Nama Jabatan Jumlah Kehadiran Persentase Kehadiran
Name Position Number of Attendance Percentage
Taufik Hakim Komisaris Utama (Independen)
12 100%
President Commissioner (Independent)
Ko Dae Jin Komisaris
12 100%
Commissioner
Damal Bayu Utama Komisaris Independen
12 100%
Independent Commissioner
Joni Swastanto Komisaris Independen
11 91%
Independent Commissioner
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Tata Kelola Perusahaan • Good Corporate Governance
Agenda Rapat Meeting Agenda
Tanggal Rapat Agenda Rapat
No
Meeting Date Meeting Agenda
1. 8 Januari 2025 1. Kinerja Keuangan Bank per Desember 2024
January 8, 2025 2. Update Pengkinian Prosedur
- Tatip Kerja Dewan Komisaris
- Tatip Kerja Komite Audit
1. Bank Financial Performance as of December 2024
2. Procedure Update
- Board of Commissioners' Charter
- Audit Committee's Charter
2. 11 Februari 2025 Kinerja Keuangan Bulanan Januari 2025
February 11, 2025 Monthly Financial Performance January 2025
3. 24 Maret 2025 Kinerja Keuangan Bulanan Februari 2025
March 24, 2025 Monthly Financial Performance February 2025
4. 21 April 2025 Kinerja Keuangan Bulanan Maret 2025
April 21, 2025 Monthly Financial Performance March 2025
5. 20 Mei 2025 1. Update Perkembangan Implementasi PDP (Pelindungan Data Pribadi)
May 20, 2025 2. Pembahasan Rekomendasi Komite Audit dan Persetujuan Dewan Komisaris atas Pemilihan
KAP (Audit SKAI 3 Tahunan)
3. Kinerja Keuangan Bulanan April 2025
1. Update on the Progress of Personal Data Protection (PDP) Implementation
2. Discussion of the Audit Committee's Recommendations and the Board of Commissioners'
Approval of the Selection of a Public Accounting Firm (Triennial Internal Audit Audit)
3. Monthly Financial Performance April 2025
6. 19 Juni 2025 Kinerja Keuangan Bulanan Mei 2025
June 19, 2025 Monthly Financial Performance May 2025
7. 15 Juli 2025 1. Kinerja Keuangan Bulanan Juni 2025
July 15, 2025 2. Update dari Komite Audit terkait Pemilihan KAP Untuk Pemeriksaan Tahun Buku 2025
1. Monthly Financial Performance June 2025
2. Update from the Audit Committee regarding the Selection of a Public Accounting Firm for
the 2025 Fiscal Year Audit
8. 12 Agustus 2025 1. Trade Finance August 2025
August 12, 2025 2. Laporan Kinerja Keuangan Bulanan Juli 2025
3. Update Laporan Pengawasan Dewan Komisaris atas RBB Semesater I Tahun 2025
1. Trade Finance August 2025
2. Monthly Financial Performance Report July 2025
3. Update on the Board of Commissioners' Supervisory Report on the First Semester 2025
Business Plan
9. 16 September 2025 1. Laporan Kinerja Bulanan Agustus 2025
September 16, 2025 2. Update Penunjukkan KAP untuk mengaudit Laporan Keuangan PT Bank IBK Indonesia
Tahun Buku 2025
1. Monthly Performance Report August 2025
2. Update on the Appointment of a Public Accounting Firm to Audit PT Bank IBK Indonesia's
Financial Statements for the 2025 Fiscal Year
10. 15 Oktober 2025 Laporan Keuangan Bulanan September 2025
October 15, 2025 Monthly Financial Report, September 2025
11. 25 November 2025 1. Proposal Pengajuan Penggantian (Tech Refresh) perangkat Teknologi Informasi Bank IBK
November 25, 2025 Indonesia
2. Laporan Kinerja Bulanan Oktober 2025
1. Proposal for Replacement (Tech Refresh) of Bank IBK Indonesia's Information Technology
Equipment
2. Monthly Performance Report, October 2025
12. 22 Desember 2025 1. Laporan Kinerja Bulanan November 2025
December 22, 2025 2. Surat OJK - Laporan Hasil Pemeriksaan PT Bank IBK Indonesia Tbk, Posisi 31 Juli 2025
1. Monthly Performance Report, November 2025
2. OJK Letter - Audit Report of PT Bank IBK Indonesia Tbk, with the position as of July 31,
2025
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Tata Kelola Perusahaan • Good Corporate Governance
Rapat Gabungan Dewan Komisaris dan Joint Meeting of the Board of
Direksi Commissioners and Directors
Kebijakan Rapat Dewan Komisaris dan Direksi Board of Commissioners and Board of Directors
Meeting Policy
Selain rapat internal, Dewan Komisaris juga In addition to internal meetings, the Board of Commissioners
menyelenggarakan rapat gabungan yang mengundang also holds joint meetings, inviting the Board of Directors
kehadiran Direksi sekurang-kurangnya 1 (satu) kali setiap to attend at least once every four months. These joint
4 (empat) bulan. Rapat gabungan ini dapat pula diadakan meetings may also be held at any time at the request of
sewaktu-waktu baik atas permintaan anggota Dewan members of the Board of Commissioners or the Board
Komisaris maupun Direksi. Pelaksanaan rapat gabungan of Directors. The purpose of holding joint meetings is to
bertujuan untuk memperkuat koordinasi, menyelaraskan strengthen coordination, align strategic decision-making,
pengambilan keputusan strategis, memastikan bahwa and ensure that the Board of Commissioners' supervisory
rekomendasi pengawasan Dewan Komisaris diterapkan recommendations are effectively implemented in the Bank's
secara efektif dalam operasional Bank. Kebijakan serta operations. The policy and frequency of internal meetings
frekuensi rapat internal dan rapat gabungan Dewan and joint meetings of the Board of Commissioners and the
Komisaris dan Direksi Bank telah disusun selaras dengan Board of Directors have been established in accordance
ketentuan POJK 33/2014 dan POJK No. 17 Tahun 2023. with the provisions of POJK 33/2014 and POJK No. 17
of 2023.
Frekuensi dan Tingkat Kehadiran Rapat Meeting Frequency and Attendance
Sepanjang tahun 2025, rapat gabungan Dewan Komisaris Throughout 2025, five joint meetings of the Board of
dan Direksi telah terlaksana sebanyak 5 (lima) kali dengan Commissioners and the Board of Directors were held, as
uraian sebagai berikut: follows:
Nama Jabatan Jumlah Kehadiran Persentase Kehadiran
Name Position Number of Attendance Percentage
Taufik Hakim Komisaris Utama (Independen)
5 100%
President Commissioner (Independent)
Ko Dae Jin Komisaris
5 100%
Commissioner
Damal Bayu Utama Komisaris Independen
5 100%
Independent Commissioner
Joni Swastanto Komisaris Independen
5 100%
Independent Commissioner
Oh In Taek Direktur Utama
5 100%
President Director
Lee Dae Sung* Direktur
0 0%
Director
Maria Cortilia Vera Afianti* Direktur
1 20%
Director
Park Jin Je** Direktur
2 40%
Director
Edwin Rudianto Direktur
5 100%
Director
Andreas Mikhael Sumual** Direktur
1 20%
Director
Alexander Frans Rori Direktur Kepatuhan
5 100%
Compliance Director
*) Beliau efektif menjabat sebagai Direksi Bank sampai dengan tanggal 20 Juni 2025.
**) Beliau efektif menjabat sebagai Direksi Bank per tanggal 20 Juni 2025.
*) Effectively serving as Director of the Bank until June 20, 2025
**) Effectively serving as Director of the Bank as of June 20, 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Agenda Rapat Meeting Agenda
Tanggal Rapat Agenda Rapat
No
Meeting Date Meeting Agenda
1 25 Februari 2025 1. Kinerja Keuangan Triwulan 4-2024
February 25, 2025 2. Perbaikan sumber daya manusia:
- Dari sudut pandang HR
- Dari sudut pandang Bisnis
3. Kepatuhan Update:
- Temuan OJK, AML, implementasi POJK No.15
- Implementasikan perlindungan data pribadi
1. Financial Performance Q4-2024
2. Human Resource Improvement:
- From an HR Perspective
- From a Business Perspective
3. Compliance Update:
- OJK Findings, AML, Implementation of POJK No. 15
- Implementation of Personal Data Protection
2 23 April 2025 1. Kinerja Keuangan Triwulan I - 2025
April 23, 2025 2. Pencapaian RBB triwulan I - 2025
3. Dampak kebijakan Trump terhadap IBK Indonesia
4. Bisnis: terkait likuiditas, neraca, forex, liabilitas, dan strategi
1. Financial Performance Q1-2025
2. Achievement of the Bank's Business Plan Q1-2025
3. Impact of Trump's Policy on Indonesian IBK
4. Business: Related to Liquidity, Balance Sheet, Forex, Liabilities, and Strategy
3 19 Juni 2025 RBB Revisi Juni 2025
June 19, 2025 Revised Bank's Business Plan June 2025
4 13 Agustus 2025 1. Laporan Keuangan sampai dengan Juli 2025
August 13, 2025 2. Update kepatuhan termasuk APU PPT dan rencana audit OJK setiap tahun
1. Financial Reports through July 2025
2. Compliance updates, including AML/CFT and the OJK's annual audit plan
5 25 November 2025 Pembahasan RBB 2026-2028
November 25, 2025 Discussion of the 2026-2028 Business Plan
Kebijakan dan Pelaksanaan Program Meeting AgendaPolicy and
Orientasi dan/atau Pengenalan Bagi Implementation of the Orientation and/
Dewan Komisaris Baru Tahun 2025 or Introduction Program for New Board of
Commissioners in 2025
Bank memiliki kebijakan untuk memastikan setiap anggota The Bank has a policy to ensure that every newly appointed
Dewan Komisaris yang baru diangkat mengikuti program member of the Board of Commissioners participates in
orientasi yang komprehensif. Program ini dirancang untuk a comprehensive orientation program. This program is
memberikan pemahaman menyeluruh mengenai struktur designed to provide a thorough understanding of the
organisasi, strategi bisnis, kebijakan, budaya kerja, serta organizational structure, business strategy, policies, work
tantangan dan peluang yang dihadapi Bank, sehingga culture, and the challenges and opportunities facing the
anggota baru dapat menjalankan fungsi pengawasan Bank, so that new members can carry out their supervisory
secara efektif sejak awal masa jabatannya. functions effectively from the beginning of their term.
Pelaksanaan program orientasi bertujuan untuk The orientation program aims to accelerate the adaptation
mempercepat proses adaptasi anggota Dewan Komisaris process for new Board of Commissioners members,
baru, memungkinkan mereka segera mengambil peran aktif enabling them to immediately take an active role in
dalam pengambilan keputusan strategis, serta memberikan strategic decision-making and make a tangible contribution
kontribusi nyata terhadap pencapaian Visi dan Misi Bank. to achieving the Bank's Vision and Mission.
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Tata Kelola Perusahaan • Good Corporate Governance
Pada tahun 2025, Bank tidak menyelenggarakan program In 2025, the Bank will not hold an orientation program for
orientasi bagi Dewan Komisaris baru, karena tidak terdapat new Board of Commissioners, as there will be no additional
penambahan anggota Komisaris pada periode tersebut. Commissioners during that period.
Program Pengembangan Kompetensi Board of Commissioners Competency
Dewan Komisaris Tahun 2025 Development Program in 2025
Kebijakan Pelatihan dan Pengembangan Continuous Training and Competency Development
Kompetensi Berkesinambungan Policy
Bank berkomitmen untuk memperkuat kapabilitas Dewan The Bank is committed to strengthening the capabilities
Komisaris melalui program pengembangan kompetensi of the Board of Commissioners through a continuous
yang berkesinambungan. Program ini meliputi kegiatan competency development program. This program includes
pelatihan, seminar, workshop, serta sesi berbagi training activities, seminars, workshops, and experience-
pengalaman, baik internal maupun eksternal, yang sharing sessions, both internal and external, designed to
dirancang untuk mendukung pengambilan keputusan support strategic decision-making, operational oversight,
strategis, pengawasan operasional, dan penerapan praktik and the implementation of good governance practices.
tata kelola yang baik.
Pelatihan dan/atau Peningkatan Kompetensi pada Training and/or Competency Improvement in Fiscal
Tahun Buku 2025 Year 2025
Pada tahun 2025, seluruh anggota Dewan Komisaris In 2025, all members of the Bank's Board of Commissioners
Bank telah mengikuti berbagai bentuk pelatihan dan/ participated in various forms of training and/or competency
atau program pengembangan kompetensi sesuai dengan development programs according to the requirements of
kebutuhan tugas pengawasan. Rincian kegiatan yang their supervisory duties. Details of the activities participated
diikuti dapat dilihat pada tabel berikut: in are shown in the following table:
Nama Materi Tanggal Penyelenggara
Name Material Date Organizer
Taufik Hakim Seminar Menuju Indonesia Emas dan Koordinasi 25 Januari 2025 Ali An Sun Geun
Kerja Tahunan January 25, 2025
Seminar on "Towards a Golden Indonesia" and
Annual Work Coordination
Internalisasi Budaya Perusahaan dan Hari Bank IBK 25 September 2025 Bank IBK Indonesia
Indonesia September 25. 2025
Internalization of Corporate Culture and IBK
Indonesia Bank Day
Refreshment Sertifikasi Manajemen Risiko Jenjang 6 25 September 2025 KeyPro Consulting
dan 7 untuk BOD, BOC & Komite September 25. 2025
Risk Management Certification Refreshment
Levels 6 and 7 for the Board of Directors, Board of
Commissioners, and Committees
APU PPT Executive Insight: Strategic Compliance 3 Desember 2025 LPPI
for Bank Leaders December 3, 2025
AML and CFT Executive Insight: Strategic
Compliance for Bank Leaders
Perlindungan Konsumen untuk BOD, BOC dan 4 Desember 2025 LPPI
Komite December 4, 2025
Consumer Protection for the Board of Directors,
Board of Commissioners, and Committees
Strengthening Good Corporate Governance 9 Desember 2025 LPPI
Strengthening Good Corporate Governance December 9, 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Nama Materi Tanggal Penyelenggara
Name Material Date Organizer
Ko Dae Jin Internalisasi Budaya Perusahaan dan Hari Bank IBK 25 September 2025 Bank IBK Indonesia
Indonesia September 25, 2025
Internalizing Corporate Culture and IBK Indonesia
Bank Day
APU PPT Executive Insight: Strategic Compliance 3 Desember 2025 LPPI
for Bank Leaders December 3, 2025
AML-CFT Executive Insight: Strategic Compliance
for Bank Leaders
Perlindungan Konsumen untuk BOD, BOC dan 4 Desember 2025 LPPI
Komite December 4, 2025
Consumer Protection for the Board of Directors,
Board of Commissioners, and Committees
Strengthening Good Corporate Governance 9 Desember 2025 LPPI
Strengthening Good Corporate Governance December 9, 2025
Refreshment Sertifikasi Manajemen Risiko Jenjang 19 Desember 2025 LPPI
6 BOC December 19, 2025
BOC Level 6 Risk Management Certification
Refreshment
Damal Bayu Utama Pembicara dalam Pembekalan Sertifikasi 22 Januari 2025 FKDKP
Kompetensi Kepatuhan Jenjang 7 untuk Pejabat January 22, 2025
Eksekutif, Jenjang 7 Direksi - Pengelolaan, dan
Jenjang 7 Komisaris – Pengawasan
Speaker at the Level 7 Compliance Competency
Certification Briefing for Executive Officers, Level 7
Directors - Management, and Level 7 Commissioners
– Supervision
Seminar Menuju Indonesia Emas dan Koordinasi 25 Januari 2025 Ali An Sun Geun
Kerja Tahunan January 25, 2025
Seminar on "Towards a Golden Indonesia" and
Annual Work Coordination
Seminar Pemeliharaan Sertifikat Manajemen Risiko 25 April 2025 BARA
"Developing Strategy for Managing Bank Business April 25, 2025
& Risks in Current Global Situation"
Seminar on Risk Management Certificate
Maintenance "Developing Strategy for Managing
Bank Business & Risks in the Current Global
Situation"
Pembicara dalam Pembekalan Sertifikasi 8 September 2025 FKDKP
Kompetensi Kepatuhan Jenjang 7 untuk Pejabat September 8, 2025
Eksekutif, Jenjang 7 Direksi - Pengelolaan, dan
Jenjang 7 Komisaris – Pengawasan
Speaker at the Level 7 Compliance Competency
Certification Briefing for Executive Officers, Level 7
Directors - Management, and Level 7 Commissioners
– Supervision
Pembicara dalam Pembekalan Sertifikasi Kompetensi 8 September 2025 FKDKP
APU-PPT PPPSPM Jenjang 7 September 8, 2025
Speaker at the Level 7 AML-CFT PPPSPM
Competency Certification Briefing
Internalisasi Budaya Perusahaan dan Hari Bank IBK 25 September 2025 Bank IBK Indonesia
Indonesia September 25, 2025
Internalization of Corporate Culture and IBK
Indonesia Bank Day
APU PPT Executive Insight: Strategic Compliance 3 Desember 2025 LPPI
for Bank Leaders December 3, 2025
AML-CFT Executive Insight: Strategic Compliance
for Bank Leaders
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Tata Kelola Perusahaan • Good Corporate Governance
Nama Materi Tanggal Penyelenggara
Name Material Date Organizer
Perlindungan Konsumen Untuk BOD, BOC dan 4 Desember 2025 LPPI
Komite December 4, 2025
Consumer Protection for the Board of Directors,
Board of Commissioners, and Committees
Strengthening Good Corporate Governance 9 Desember 2025 LPPI
Strengthening Good Corporate Governance December 9, 2025
Joni Swastanto Seminar Menuju Indonesia Emas dan Koordinasi 25 Januari 2025 Ali An Sun Geun
Kerja Tahunan January 25, 2025
Seminar on "Towards a Golden Indonesia" and
Annual Work Coordination
Seminar Refresher Program Sertifikasi Manajemen 25 Mei 2025 BARA
Risiko May 25, 2025
Risk Management Certification Program Refresher
Seminar
Internalisasi Budaya Perusahaan dan Hari Bank IBK 25 September 2025 Bank IBK Indonesia
Indonesia September 25, 2025
Corporate Culture Internalization and IBK Indonesia
Bank Day
Refreshment Sertifikasi Manajemen Risiko Jenjang 6 10 November 2025 BARA
Level 6 Risk Management Refreshment November 10, 2025
Certification
APU PPT Executive Insight: Strategic Compliance 3 Desember 2025 LPPI
for Bank Leaders December 3, 2025
AML-CFT Executive Insight: Strategic Compliance
for Bank Leaders
Perlindungan Konsumen Untuk BOD, BOC dan 4 Desember 2025 LPPI
Komite December 4, 2025
Consumer Protection for the Board of Directors,
Board of Commissioners, and Committees
Strengthening Good Corporate Governance 9 Desember 2025 LPPI
Strengthening Good Corporate Governance December 9, 2025
Laporan Singkat Pelaksanaan Tugas Brief Report Regarding the
Dewan Komisaris Tahun 2025 Implementation of the Board of
Commissioners’ Duty in 2025
Sepanjang tahun 2025, Dewan Komisaris Bank telah Throughout 2025, the Bank's Board of Commissioners has
melaksanakan berbagai kegiatan pengawasan yang implemented various supervisory activities to support the
bertujuan mendukung kelancaran operasional dan smooth operation and achievement of the Bank's strategic
pencapaian target strategis Bank, antara lain: targets, including:
1. Menyusun dan menyampaikan Laporan Pengawasan 1. Preparing and submitting the Company's Business
Rencana Bisnis Perusahaan untuk Semester I dan Plan Supervision Report for Semester I and Semester
Semester II 2025 kepada OJK; II 2025 to the Financial Services Authority (OJK);
2. Melaksanakan tugas dan tanggung jawab secara 2. Carrying out its duties and responsibilities
independen sesuai prinsip tata kelola, aturan hukum, independently in accordance with corporate
kebijakan internal, dan peraturan perundang-undangan governance principles, legal regulations, internal
yang berlaku; policies, and applicable laws and regulations;
3. Menjalankan fungsi pengawasan dan pemberian 3. Carrying out its supervisory and advisory functions by
nasihat dengan memberikan masukan dan providing input and recommendations regarding the
rekomendasi terkait pelaksanaan rencana bisnis serta implementation of the Bank's business plan and the
pencapaian target Bank; dan achievement of its targets; and
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Tata Kelola Perusahaan • Good Corporate Governance
4. Melakukan pengawasan aktif melalui rapat koordinasi 4. Conducting active supervision through coordination
bersama Direksi dan Komite-komite pendukung, meetings with the Board of Directors and supporting
termasuk Komite Audit, Komite Remunerasi dan committees, including the Audit Committee, the
Nominasi, serta Komite Pemantau Risiko, guna Remuneration and Nomination Committee, and the
memastikan pengelolaan Bank berjalan sesuai standar Risk Monitoring Committee, to ensure that the Bank's
GCG dan tujuan strategis yang ditetapkan. management is carried out in accordance with GCG
standards and established strategic objectives.
Daftar Keputusan Direksi yang Perlu List of Board of Directors Decisions
Mendapat Persetujuan Dewan Komisaris Requiring Board of Commissioners
Approval
Dalam rangka penerapan praktik GCG, Bank memastikan In implementing GCG practices, the Bank ensures that
bahwa setiap keputusan strategis yang memerlukan every strategic decision requiring additional oversight is
pengawasan tambahan mendapat persetujuan Dewan approved by the Board of Commissioners. In accordance
Komisaris. Sesuai dengan POJK No. 17 Tahun 2023 with OJK Regulation No. 17 of 2023 concerning the
tentang Penerapan Tata Kelola bagi Bank Umum, Dewan Implementation of Good Corporate Governance for
Komisaris tidak berpartisipasi dalam pengambilan Commercial Banks, the Board of Commissioners does
keputusan operasional sehari-hari, kecuali untuk kasus not participate in day-to-day operational decision-making,
tertentu, seperti: except in certain cases, such as:
1. Penyediaan dana kepada pihak terkait, sesuai 1. Provision of funds to related parties, in accordance
ketentuan batas maksimum pemberian kredit bank with the maximum credit limit for commercial banks;
umum; dan and
2. Hal-hal lain yang secara khusus diatur dalam Anggaran 2. Other matters specifically stipulated in the Bank's
Dasar Bank atau peraturan perundang-undangan Articles of Association or applicable laws and
yang berlaku. regulations.
Pengambilan keputusan tersebut dilakukan sebagai These decisions are made as part of the Board of
bagian dari fungsi pengawasan Dewan Komisaris, yang Commissioners' oversight function, ensuring compliance
memastikan kepatuhan terhadap kebijakan internal dan with internal policies and external regulations, without
regulasi eksternal, tanpa mengurangi tanggung jawab diminishing the Board of Directors' responsibility for
Direksi atas pengelolaan operasional Bank. Untuk itu, managing the Bank's operations. Therefore, this approval
mekanisme persetujuan dan koordinasi ini biasanya and coordination mechanism is usually discussed in
dibahas dalam rapat gabungan Dewan Komisaris dan joint meetings of the Board of Commissioners and the
Direksi, sehingga keputusan strategis dapat diambil secara Board of Directors, so that strategic decisions can be
profesional, akuntabel, dan selaras dengan prinsip GCG. made professionally, accountably, and in line with GCG
principles.
Penilaian Terhadap Kinerja Komite- Performance Assessment of the Board of
Komite Pendukung Dewan Komisaris Commissioners' Supporting Committees
Bank secara berkala melakukan evaluasi terhadap kinerja The Bank periodically evaluates the performance of
komite-komite yang berada di bawah koordinasi Dewan the committees under the coordination of the Board of
Komisaris untuk memastikan efektivitas pengawasan serta Commissioners to ensure effective oversight and support
dukungan terhadap pencapaian tujuan strategis Bank. for the achievement of the Bank's strategic objectives.
Dalam menjalankan fungsi pengawasan, Dewan Komisaris In carrying out its supervisory function, the Board of
didukung oleh sejumlah komite yang berperan memperkuat Commissioners is supported by several committees that
fungsi pengawasan dan pemberian nasihat, yakni Komite strengthen its oversight and advisory functions, namely the
Audit, Komite Pemantau Risiko, serta Komite Nominasi dan Audit Committee, the Risk Monitoring Committee, and the
Remunerasi. Nomination and Remuneration Committee.
Evaluasi terhadap ketiga komite tersebut dilakukan dengan Evaluations of these three committees are conducted based
mengacu pada indikator kinerja yang telah ditetapkan dan on established and mutually agreed-upon performance
disepakati bersama. Hasil penilaian kemudian menjadi indicators. The assessment results then serve as strategic
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Tata Kelola Perusahaan • Good Corporate Governance
masukan strategis bagi Dewan Komisaris maupun masing- input for the Board of Commissioners and each committee,
masing komite, yang dimanfaatkan untuk menyempurnakan which is used to refine the implementation of its duties and
pelaksanaan tugas dan meningkatkan kinerja pada periode improve performance in the following period. Thus, the
berikutnya. Dengan demikian, mekanisme pengawasan Bank's supervisory mechanism operates professionally,
Bank dapat berjalan secara profesional, akuntabel, dan accountably, and in line with GCG principles.
selaras dengan prinsip GCG.
Prosedur, Kriteria dan hasil Penilaian Kinerja Audit Committee Performance Assessment
Komite Audit Procedures, Criteria, and Result
Prosedur dan Kriteria Penilaian Kinerja Performance Assessment Procedures and Criteria
Prosedur penilaian kinerja Komite Audit pada Bank The Bank's Audit Committee performance assessment
dilakukan melalui evaluasi berkala yang melibatkan procedure is conducted through periodic evaluations that
pengukuran terhadap efektivitas dan kontribusi Komite measure the effectiveness and contribution of the Audit
Audit dalam mendukung pelaksanaan tugas pengawasan Committee in supporting the Board of Commissioners'
Dewan Komisaris. Kriteria penilaian mencakup beberapa supervisory duties. The assessment criteria cover several
aspek, seperti kemampuan Komite Audit dalam meninjau aspects, such as the Audit Committee's ability to review
Laporan Keuangan, mengawasi pelaksanaan audit internal Financial Statements, oversee the implementation of
dan eksternal, serta memastikan kepatuhan terhadap internal and external audits, and ensure compliance with
kebijakan dan regulasi yang berlaku. Selain itu, penilaian applicable policies and regulations. Furthermore, the
juga melihat kualitas rekomendasi yang diberikan oleh assessment also examines the quality of recommendations
Komite Audit dalam membantu meningkatkan pengelolaan provided by the Audit Committee to help improve the
risiko dan tata kelola Bank. Hasil penilaian kinerja digunakan Bank's risk management and governance. The results of
untuk menilai peran Komite Audit dan mengidentifikasi the performance assessment are used to assess the Audit
hal-hal yang memerlukan peningkatan untuk mendukung Committee's role and identify areas requiring improvement
efektivitas pengawasan Bank. to support the Bank's oversight effectiveness.
Berdasarkan prosedur dan penilaian kinerja tersebut, Based on these performance procedures and assessments,
Dewan Komisaris menilai, sepanjang tahun 2025, Komite the Board of Commissioners assesses that throughout
Audit telah menjalankan tugas dan tanggung jawabnya 2025, the Audit Committee performed its duties and
dengan baik. Komite Audit telah melaksanakan rapat responsibilities effectively. The Audit Committee held 13
sebanyak 13 (tiga belas) kali dan menjalankan tugasnya (thirteen) meetings and carried out its duties as described
sebagaimana diuraikan berikut: below:
1. Melakukan pemantauan dan evaluasi terhadap 1. Monitor and evaluate the duty implementation of
pelaksanaan tugas Satuan Kerja Audit Intern (SKAI): Internal Audit Unit (SKAI):
a. Kesesuaian dengan rencana kerja yang telah a. Conformity with the work plan, approved by the
disetujui oleh Direktur Utama dengan tembusan President Director with a copy to the Board of
kepada Dewan Komisaris dan Direktur Kepatuhan; Commissioners and Compliance Director; and
serta
b. Melakukan evaluasi hasil audit yang telah berjalan b. Evaluate the audit result that has been carried
dan sesuai dengan ketentuan yang berlaku. out and in accordance with the applicable
regulations;
2. Memastikan SKAI melakukan komunikasi dengan 2. Ensure that SKAI communicates with the Board of
Direksi, Dewan Komisaris, auditor eksternal, dan Directors, Board of Commissioners, external auditors,
regulator. and regulators;
3. Memastikan SKAI bekerja secara independent. 3. Ensure SKAI works independently;
4. Memberikan rekomendasi kepada Dewan Komisaris 4. Provide recommendations to the Board of
terkait penyusunan rencana audit, ruang lingkup, dan Commissioners regarding the preparation of the audit
anggaran SKAI. plan, scope, and budget of SKAI;
5. Melakukan pemantauan dan evaluasi atas: 5. Monitor and evaluate:
a. Penerapan kebijakan dan prosedur pengendalian a. The implementation of internal control policies
internal dalam proses pelaporan keuangan bank; and procedures in the bank's financial reporting
dan process; and
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Tata Kelola Perusahaan • Good Corporate Governance
b. Kesesuaian laporan keuangan dengan standar b. The conformity of financial reports with financial
akuntansi keuangan dan ketentuan OJK mengenai accounting standards and OJK regulations
pencatatan transaksi keuangan. regarding the recording of financial transactions.
Hasil pemantauan dan evaluasi sebagaimana dimaksud The results of the monitoring and evaluation as
pada butir 5 di atas digunakan untuk memberikan referred to in point 5 above are used to provide
rekomendasi kepada Dewan Komisaris guna meyakini recommendations to the Board of Commissioners to
integritas dan proses pelaporan keuangan pada bank. ensure the integrity and effectiveness of the bank's
financial reporting process.
6. Melakukan pemantauan dan evaluasi terhadap 6. Monitor and evaluate the implementation of follow-
pelaksanaan tindak lanjut oleh Direksi atas hasil temuan up actions by the Board of Directors regarding
SKAI, Akuntan Publik, dan hasil pengawasan Otoritas the findings of SKAI, Public Accountants, and the
Jasa Keuangan guna memberikan rekomendasi supervision results by the Financial Services Authority
kepada Dewan Komisaris. in order to provide recommendations to the Board of
Commissioners;
7. Komite Audit wajib memberikan rekomendasi 7. The Audit Committee is required to provide
mengenai penunjukan Akuntan Publik (AP) dan Kantor recommendations on the appointment of Public
Akuntan Publik (KAP) kepada Dewan Komisaris untuk Accountant (AP) and Public Accounting Firm (KAP)
disampaikan kepada Rapat Umum Pemegang Saham to the Board of Commissioners, to be submitted to
(RUPS) dengan pertimbangan sebagai berikut: the General Meeting of Shareholders (GMS) with the
following considerations:
a. Independensi AP, KAP, dan orang dalam KAP; a. Independence of AP, KAP, and KAP insiders;
b. Ruang lingkup audit dan imbalan jasa audit; b. Audit scope and audit service fees;
c. Metodologi, teknik, dan sarana audit yang c. Audit methodology, techniques, and facilities
digunakan KAP; used by KAP;
d. Keahlian dan pengalaman AP, KAP, dan tim audit d. Expertise and experience of AP, KAP, and the
yang digunakan KAP; audit team used by KAP;
e. Manfaat fresh eye perspective yang akan e. Benefit of fresh eye perspectives, to be obtained
diperoleh melalui penggantian AP, KAP, dan tim through the replacement of AP, KAP, and the
audit dari KAP; audit team from KAP;
f. Potensi risiko atas penggunaan jasa audit atas f. Potential risk of using audit services for annual
informasi keuangan historis tahunan dari AP dan/ historical financial information from AP and/or
atau KAP untuk 7 (tujuh) tahun kumulatif; serta KAP for a cumulative 7 (seven) years; and
g. Hasil evaluasi terhadap pelaksanaan pemberian g. Evaluation results of audit service implementation
jasa audit atas informasi keuangan historis for annual historical financial information by AP
tahunan oleh AP dan KAP pada periode and KAP in the previous period;
sebelumnya.
8. Komite Audit melakukan evaluasi terhadap pelaksanaan 8. The Audit Committee evaluates the implementation of
pemberian jasa audit atas informasi keuangan historis audit services on annual historical financial information
keuangan tahunan oleh AP dan/atau KAP, evaluasi by AP and/or KAP, the evaluation at least includes:
dilakukan paling sedikit meliputi:
a. Kesesuaian pelaksanaan audit oleh AP dan/atau a. Conformity of audit implementation by AP and/or
KAP dengan standar audit yang berlaku; KAP with the applicable audit standards;
b. Kecukupan waktu pekerjaan lapangan; b. Adequacy of time for field work;
c. Melakukan kajian cakupan jasa yang diberikan c. Review the scope of services provided and the
dan kecukupan uji petik; serta adequacy of sampling tests; and
d. Rekomendasi perbaikan yang diberikan oleh AP d. Recommendations for improvements provided by
dan/atau KAP. AP and/or KAP.
9. Dalam melaksanakan tugas dan tanggung jawabnya, 9. In performing its duties and responsibilities, the Audit
Komite Audit memiliki akses penuh untuk setiap Committee has full access to all required information/
informasi/data yang dibutuhkan dan mendapatkan data and obtains cooperation from Management and
kerja sama dari Manajemen dan SKAI serta memiliki SKAI and has the authority to invite every Board of
kewenangan untuk mengundang setiap Direksi dan Directors’ member and Executive Officer;
Pejabat Eksekutif.
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Tata Kelola Perusahaan • Good Corporate Governance
10. Melakukan penelaahan atas informasi keuangan yang 10. Review financial information issued by the Issuers or
dikeluarkan emiten atau Perusahaan Publik. Public Companies;
11. Melakukan penelaahan atas ketaatan terhadap 11. Review compliance with laws and regulations relating
peraturan perundang-undangan yang berhubungan to Company/Bank activities; and
dengan kegiatan Perusahaan/Bank.
12. Menjaga kerahasiaan dokumen, data, dan informasi 12. Maintain the confidentiality of documents, data, and
Bank. information of the Bank.
Hasil Penilaian Assessment Results
Dewan Komisaris menilai bahwa Komite Audit telah The Board of Commissioners assesses that the Audit
melaksanakan tugas dan tanggung jawabnya secara efektif, Committee has carried out its duties and responsibilities
independen, dan sesuai dengan ketentuan peraturan effectively, independently, and in accordance with
perundang-undangan yang berlaku. applicable laws and regulations.
Sepanjang periode pelaporan, Komite Audit secara aktif Throughout the reporting period, the Audit Committee
memantau tindak lanjut hasil audit, serta memberikan actively monitored the follow-up of audit results and provided
rekomendasi yang tepat. Komite Audit juga mampu appropriate recommendations. The Audit Committee
menjaga komunikasi secara efektif melalui rapat berkala also maintained effective communication through regular
yang diselenggarakan dengan Dewan Komisaris. meetings with the Board of Commissioners.
Prosedur dan Kriteria Penilaian Kinerja Komite Procedures and Criteria for Remuneration and
Remunerasi dan Nominasi Nomination Committee’s Performance Assessment
Prosedur dan Kriteria Penilaian Kinerja Performance Assessment Procedure and Criteria
Prosedur penilaian kinerja Komite Remunerasi dan Nominasi The performance assessment procedure of the
pada Bank melalui evaluasi terstruktur yang bertujuan Remuneration and Nomination Committee at the Bank
untuk menilai efektivitas Komite Remunerasi dan Nominasi is carried out through a structured evaluation aimed at
dalam menjalankan tugas-tugasnya terkait penetapan assessing the effectiveness of the Remuneration and
kebijakan remunerasi dan proses nominasi anggota Nomination Committee in carrying out its duties related to
Direksi dan Dewan Komisaris. Penilaian ini melibatkan determining the remuneration policy and the nomination
pengukuran terhadap berbagai kriteria, seperti kesesuaian process for members of the Board of Directors and the
kebijakan remunerasi dengan kinerja Bank, kepatuhan Board of Commissioners. This assessment involves
terhadap regulasi, dan transparansi serta keadilan dalam measuring various criteria, such as the suitability of
proses nominasi. Hasil penilaian kinerja digunakan untuk the remuneration policy to the Bank's performance,
memastikan Komite Remunerasi dan Nominasi mampu compliance with regulations, and transparency and fairness
mendukung Dewan Komisaris dalam menciptakan struktur in the nomination process. The results of the performance
remunerasi yang kompetitif dan adil, serta proses nominasi assessment are used to ensure that the Remuneration
yang objektif dan transparan. and Nomination Committee is able to support the Board
of Commissioners in creating a competitive and fair
remuneration structure, as well as an objective and
transparent nomination process.
Hasil Penilaian Assessment Results
Komite telah berkontribusi aktif dalam proses evaluasi dan The Committee has actively contributed to the evaluation
rekomendasi terkait struktur, komposisi, serta kebijakan and recommendation process regarding the structure,
nominasi dan remunerasi bagi Dewan Komisaris dan composition, and nomination and remuneration policies for
Direksi. the Board of Commissioners and Board of Directors.
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Selain itu, Komite Nominasi dan Remunerasi dinilai telah Furthermore, the Nomination and Remuneration Committee
memperhatikan keselarasan antara kebijakan remunerasi is deemed to have ensured alignment between remuneration
dengan kinerja, profil risiko, serta keberlanjutan usaha policies and the Bank's performance, risk profile, and
Bank, sekaligus memastikan penerapan prinsip kewajaran business sustainability, while ensuring the implementation
dan daya saing. Pada fungsi nominasi, Komite dinilai of the principles of fairness and competitiveness. In its
mampu membantu proses pencalonan anggota Direksi nomination function, the Committee is deemed capable of
secara optimal. optimally supporting the nomination process for members
of the Board of Directors.
Prosedur dan Kriteria Penilaian Kinerja Komite Procedures and Criteria for Risk Monitoring
Pemantau Risiko Committee Performance Assessment
Prosedur dan Kriteria Penilaian Kinerja Performance Assessment Procedures and Criteria
Prosedur penilaian kinerja Komite Pemantau Risiko pada The Bank's Risk Monitoring Committee performance
Bank dilakukan melalui evaluasi sistematis yang berfokus assessment procedure is conducted through a systematic
pada kemampuan Komite Pemantau Risiko dalam evaluation focused on the Risk Monitoring Committee's
mengidentifikasi, mengelola, dan memitigasi risiko yang ability to identify, manage, and mitigate risks faced by
dihadapi oleh Bank. Penilaian ini mencakup beberapa the Bank. This assessment encompasses several criteria,
kriteria, termasuk efektivitas Komite Pemantau Risiko including the Risk Monitoring Committee's effectiveness
dalam mengawasi penerapan kebijakan manajemen risiko, in overseeing the implementation of risk management
kemampuan dalam memberikan rekomendasi yang relevan policies, its ability to provide relevant recommendations
untuk pengelolaan risiko, dan kepatuhan terhadap regulasi for risk management, and its compliance with regulations
terkait manajemen risiko. Hasil penilaian kinerja digunakan related to risk management. The results of the performance
untuk menilai sejauh mana Komite Pemantau Risiko mampu assessment are used to assess the extent to which
mendukung Dewan Komisaris dalam menjaga stabilitas the Risk Monitoring Committee supports the Board of
keuangan dan operasional Bank, serta memberikan Commissioners in maintaining the Bank's financial and
masukan yang berharga untuk perbaikan berkelanjutan operational stability and providing valuable input for
dalam manajemen risiko. continuous improvement in risk management.
Hasil Penilaian Assessment Results
Dewan Komisaris menilai bahwa Komite Pemantau Risiko The Board of Commissioners assesses that the Risk
telah menjalankan fungsi pengawasannya dengan baik, Monitoring Committee has performed its supervisory
khususnya dalam membantu Dewan Komisaris dalam function effectively, particularly in assisting the Board of
memantau penerapan manajemen risiko dan kepatuhan Commissioners in monitoring the implementation of risk
terhadap kebijakan risiko Bank. Komite secara rutin management and compliance with the Bank's risk policies.
melakukan penelaahan atas profil risiko, kecukupan The Committee regularly reviews the risk profile, the
kebijakan dan prosedur manajemen risiko, serta efektivitas adequacy of risk management policies and procedures,
sistem pengendalian risiko. and the effectiveness of the risk control system.
Selama periode pelaporan, Komite Pemantau Risiko During the reporting period, the Risk Monitoring Committee
dinilai mampu memberikan pandangan independen dan was assessed as capable of providing independent
rekomendasi yang relevan kepada Dewan Komisaris terkait insights and relevant recommendations to the Board of
eksposur risiko utama yang dihadapi Bank. Commissioners regarding the Bank's key risk exposures.
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Tata Kelola Perusahaan • Good Corporate Governance
Penilaian Kinerja Direksi dan
Dewan Komisaris [GRI 2-18]
Performance Assessment of the Board of Directors
and Board of Commissioners
Penilaian kinerja Direksi dan Dewan Komisaris (Dewan) The performance assessment of the Board of Directors
merupakan proses tata kelola yang esensial dan and Board of Commissioners (Board) is an essential
dilaksanakan secara rutin untuk menjamin efektivitas dan governance process and is carried out routinely to ensure
akuntabilitas dalam menjalankan tugas dan tanggung the effectiveness and accountability in carrying out the
jawab Bank. Penilaian ini dilakukan baik secara individual Bank's duties and responsibilities. This assessment is
maupun koltektif sesuai mandat dari POJK No. 21/ conducted both individually and collectively, in accordance
POJK.04/2015 dan SEOJK No. 32/SEOJK.04/2015 with the mandate of POJK No. 21/POJK.04/2015 and
tentang Pedoman Tata Kelola Perusahaan Terbuka. Proses SEOJK No. 32/SEOJK.04/2015 concerning Guidelines
evaluasi mencakup berbagai dimensi kunci, termasuk for Public Company Governance. The evaluation process
pencapaian sasaran kinerja, kualitas kepemimpinan, dan covers various key dimensions, including achievement
kontribusi nyata terhadap realisasi tujuan strategis Bank. of performance targets, leadership quality, and tangible
Tujuannya adalah untuk mengukur kinerja secara objektif, contributions to the realization of the Bank's strategic
memberikan dasar untuk pengembangan berkelanjutan, objectives. The goal is to measure performance objectively,
dan memastikan posisi Bank tetap kuat dalam kompetisi. provide a basis for sustainable development, and ensure
the Bank remains competitively strong.
Direksi Board of Directors
Prosedur dan Pihak yang Melakukan Penilaian Procedures and Parties Conducting Board of
Kinerja Direksi Directors Performance Assessments
Kinerja Direksi Bank dinilai secara self-assessment dengan The performance of the Bank's Board of Directors is
mengacu pada parameter Key Performance Indicator (KPI) assessed through self-assessment, referring to Key
yang sudah ditetapkan di awal tahun. Setiap anggota Performance Indicator (KPI) parameters established at
Direksi melakukan evaluasi mandiri atas pencapaian target the beginning of the year. Each member of the Board of
yang telah ditetapkan, mencakup aspek operasional, Directors conducts an independent evaluation of the
strategis, manajemen risiko, dan kepatuhan terhadap achievement of established targets, covering operational
regulasi serta kebijakan internal Bank. and strategic aspects, risk management, and compliance
with regulations and the Bank's internal policies.
Hasil evaluasi ini kemudian ditinjau oleh Dewan Komisaris The results of this evaluation are then reviewed by the
sebagai wakil Pemegang Saham untuk memastikan Board of Commissioners, representing the Shareholders, to
objektivitas, relevansi, dan keselarasan dengan arah ensure objectivity, relevance, and alignment with the Bank's
strategis Bank. Selanjutnya, RUPS memberikan persetujuan strategic direction. The GMS then provides approval and
serta umpan balik atas hasil penilaian sehingga tercipta feedback on the assessment results, creating a transparent
mekanisme pengawasan yang transparan dan akuntabel. and accountable oversight mechanism.
Selain melakukan evaluasi internal, OJK turut melakukan In addition to conducting internal evaluations, the Financial
penilaian melalui evaluasi Tingkat Kesehatan Bank dan Services Authority (OJK) also conducts assessments
penerapan prinsip tata kelola yang baik. Pendekatan through an evaluation of the Bank's Soundness Level and
terpadu ini memastikan bahwa penilaian kinerja Direksi the implementation of good governance principles. This
bersifat objektif, profesional, dan berlandaskan prinsip integrated approach ensures that the Board of Directors'
GCG, sekaligus menjadi dasar bagi peningkatan kinerja performance assessment is objective, professional,
dan pencapaian tujuan strategis Bank. and based on GCG principles, while also serving as a
foundation for improving performance and achieving the
Bank's strategic objectives.
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Tata Kelola Perusahaan • Good Corporate Governance
Adapun prosedur penilaian rinci dijabarkan sebagai berikut: The detailed assessment procedures are outlined as
follows:
1. Penerapan tugas dan tanggung jawab setiap anggota 1. Implementation of the duties and responsibilities of
Direksi berdasarkan Anggaran Dasar Bank; each member of the Board of Directors in accordance
with the Bank's Articles of Association;
2. Penerapan hasil keputusan Rapat Umum Pemegang 2. Implementation of the decisions of the General
Saham; serta Meeting of Shareholders; and
3. Realisasi Rencana Bisnis Bank (RBB). 3. Implementation of the Bank's Business Plan (RBB).
Kriteria Penilaian Kinerja Direksi Board of Directors Performance Assessment
Criteria
Penilaian kinerja Direksi dilakukan dengan mengacu The Board of Directors' performance is assessed based
pada pencapaian Tingkat Kesehatan Bank, yang menjadi on the Bank's Soundness Level, which serves as the
tolok ukur utama efektivitas pengelolaan dan pencapaian primary benchmark for management effectiveness and the
tujuan strategis. Aspek-aspek yang menjadi fokus evaluasi achievement of strategic objectives. The evaluation focuses
meliputi: on the following aspects:
1. Peningkatan posisi Loan to Funding Ratio (LFR); 1. Improving the Loan-to-Funding Ratio (LFR);
2. Pertumbuhan Ekuitas secara berkelanjutan; serta 2. Sustainable Equity Growth; and
3. Pemeliharaan dan penguatan Tingkat Kesehatan Bank 3. Maintaining and strengthening the Bank's overall
secara keseluruhan. Soundness Level.
Kriteria tersebut memberikan dasar objektif bagi evaluasi These criteria provide an objective basis for evaluating the
kinerja Direksi, sekaligus menjadi acuan dalam pengambilan Board of Directors' performance and serve as a reference
keputusan strategis dan pengembangan berkelanjutan. for strategic decision-making and sustainable development.
Dewan Komisaris Board of Commissioners
Prosedur dan Pihak yang Melakukan Penilaian Procedures and Parties Conducting Board of
Kinerja Dewan Komisaris Commissioners Performance Assessments
Penilaian kinerja Dewan Komisaris dilakukan secara mandiri The Board of Commissioners' performance is assessed
(self-assessment) dengan mengacu pada realisasi KPI independently (self-assessment) based on the realization
yang telah disepakati sebelumnya. Setiap anggota Dewan of previously agreed-upon KPIs. Each member of the Board
Komisaris mengevaluasi kinerjanya berdasarkan indikator of Commissioners evaluates their performance based on
yang telah ditetapkan, antara lain mencakup efektivitas established indicators, including supervisory effectiveness,
pengawasan, kepatuhan terhadap regulasi, serta kontribusi regulatory compliance, and contribution to strategic
dalam pengambilan keputusan strategis. Pendekatan ini decision-making. This approach provides an objective
memberikan gambaran yang objektif mengenai sejauh overview of the Board of Commissioners' performance and
mana Dewan Komisaris menjalankan fungsi pengawasan advisory functions, while ensuring the Bank's governance
dan pemberian nasihat, sekaligus memastikan praktik practices are professional and sustainable.
tata kelola Bank berlangsung secara profesional dan
berkesinambungan.
Prosedur penilaian kinerja Dewan Komisaris dilaksanakan The Board of Commissioners' performance assessment
melalui tahapan sebagai berikut: procedure is implemented through the following stages:
1. Menetapkan aspek-aspek pengawasan, termasuk 1. Determining supervisory aspects, including the Bank's
profil risiko, tata kelola, rentabilitas, dan permodalan risk profile, governance, profitability, and capital;
Bank;
2. Melaksanakan penilaian menggunakan metode self- 2. Conducting the assessment using a self-assessment
assessment; method;
3. Menyampaikan hasil penilaian Dewan Komisaris 3. Submitting the results of the Board of Commissioners'
kepada RUPS; serta assessment to the GMS; and
4. Memperoleh pengesahan pertanggungjawaban oleh 4. Obtaining the GMS' approval of the accountability
RUPS, apakah diterima atau ditolak. report, whether it is accepted or rejected.
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Tata Kelola Perusahaan • Good Corporate Governance
Selanjutnya hasil penilaian tersebut digunakan sebagai The assessment results are then used as a basis for
dasar untuk meningkatkan kinerja efektivitas pengawasan improving the effectiveness of supervisory performance
dan pengembangan kompetensi Dewan Komisaris agar and developing the competencies of the Board of
dapat berkontribusi lebih optimal dalam pencapaian tujuan Commissioners so that they can contribute more
strategis dan keberlanjutan Bank. optimally to achieving the Bank's strategic objectives and
sustainability.
Kriteria Penilaian Kinerja Dewan Komisaris Board of Commissioners Performance Assessment
Criteria
Penilaian terhadap kinerja Dewan Komisaris dilakukan The Board of Commissioners' performance is assessed
dengan mengacu pada sejumlah kriteria yang menjadi tolok based on several criteria that serve as benchmarks for the
ukur efektivitas pengawasan dan kontribusi strategisnya. effectiveness of its oversight and strategic contribution.
Kriteria tersebut mencakup: These criteria include:
1. Penyusunan Rencana Kerja dan Anggaran Dewan 1. Preparation of the Board of Commissioners' Work
Komisaris; Plan and Budget;
2. Pemberian tanggapan atau rekomendasi perihal 2. Providing feedback or recommendations regarding
Rencana Kerja dan Anggaran Bank, Laporan the Bank's Work Plan and Budget, Annual Report and
Tahunan dan Laporan Keberlanjutan, Analisis Kinerja Sustainability Report, Quarterly Performance Analysis,
Triwulanan, dan Rencana Bisnis Bank; and the Bank's Business Plan;
3. Pemberian nasihat dan persetujuan kepada Direksi; 3. Providing advice and approval to the Board of
serta Directors; and
4. Kehadiran dalam Rapat Dewan Komisaris. 4. Attendance at Board of Commissioners Meetings.
Hasil Penilaian Kinerja Direksi dan Dewan Komisaris Performance Assessment Results of the Board of
Tahun Buku 2025 Directors and Board of Commissioners for Fiscal
Year 2025
Bank menilai bahwa Direksi dan Dewan Komisaris telah The Bank assesses that the Board of Directors and Board
melaksanakan tugas, fungsi, dan tanggung jawab masing- of Commissioners have carried out their respective duties,
masing secara efektif, profesional, dan berorientasi pada functions, and responsibilities effectively, professionally,
prinsip tata kelola yang baik. Sepanjang tahun 2025, kedua and oriented towards the principles of good governance.
organ utama tersebut sudah menunjukkan sinergi yang Throughout 2025, these two main organs demonstrated
kuat dalam mengelola dan mengawasi seluruh kegiatan strong synergy in managing and overseeing all business
usaha untuk mencapai tujuan strategis dan mendukung activities to achieve strategic objectives and support the
keberlanjutan Bank. Bank's sustainability.
Keberhasilan tersebut tercermin dari penguatan kebijakan This success is reflected in the strengthening of internal
dan prosedur internal, peningkatan efektivitas sistem policies and procedures, the increased effectiveness of the
pengendalian internal, pengawasan terhadap penerapan internal control system, the oversight of risk management
manajemen risiko dan kepatuhan, serta tindak lanjut yang and compliance implementation, and the adequate follow-
memadai atas rekomendasi hasil audit internal, audit up of recommendations from internal audits, external audits,
eksternal, maupun hasil pengawasan Dewan Komisaris and the oversight of the Board of Commissioners and its
beserta komite-komite di bawahnya. subordinate committees.
Dari perspektif kinerja keuangan, Direksi berhasil menjaga From a financial performance perspective, the Board of
stabilitas dan daya tahan Bank di tengah tantangan Directors successfully maintained the Bank's stability and
perekonomian dan dinamika industri perbankan dengan resilience amidst economic challenges and the dynamics of
perolehan laba bersih sebesar Rp197,425 miliar, atau the banking industry, achieving a net profit of IDR 197.425
tercapai 89,7% dari target yang ditetapkan dalam RBB billion, or 89.7% of the target set in the 2025 Business
tahun 2025. Strategi bisnis dan kebijakan pengawasan Plan (RBB). The implemented business strategies and
yang diterapkan telah mendukung pengelolaan keuangan supervisory policies have supported prudent financial
yang prudent, pengendalian risiko yang terukur, serta management, measurable risk control, and the continuous
peningkatan efisiensi operasional secara berkelanjutan. improvement of operational efficiency. This has positively
Kondisi ini memberikan kontribusi positif terhadap kinerja contributed to the Bank's overall performance and financial
dan posisi keuangan Bank secara keseluruhan. position.
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Tata Kelola Perusahaan • Good Corporate Governance
Nominasi dan Remunerasi Direksi dan
Dewan Komisaris
Nomination and Remuneration of the Board of Directors and Board of
Commissioners
Kebijakan Nominasi Direksi dan Dewan Nomination Policy for the Board of
Komisaris [GRI 2-10] Directors and Board of Commissioners
[GRI 2-10]
Bank menerapkan kebijakan nominasi Direksi dan Dewan The Bank implements a nomination policy for the Board
Komisaris yang berpedoman pada ketentuan POJK No. 17 of Directors and Board of Commissioners, guided by the
Tahun 2023 tentang Penerapan Tata Kelola bagi Bank Umum provisions of OJK Regulation No. 17 of 2023 concerning the
serta SEOJK No. 32/SEOJK.04/2015 tentang Pedoman Implementation of Governance for Commercial Banks and
Tata Kelola Perusahaan Terbuka. Kebijakan ini dirancang OJK Circular Letter No. 32/SEOJK.04/2015 concerning
untuk memastikan bahwa proses pencarian, seleksi, dan Guidelines for Governance of Public Companies. This
pengangkatan anggota Direksi dan Dewan Komisaris policy is designed to ensure that the search, selection,
dilakukan secara transparan, objektif, independen, dan and appointment of members of the Board of Directors
akuntabel, serta selaras dengan kebutuhan strategis dan and Board of Commissioners are conducted transparently,
kompleksitas usaha Bank. objectively, independently, and accountably, and aligned
with the strategic needs and complexity of the Bank's
business.
Dalam pelaksanaannya, proses nominasi dilaksanakan The nomination process is carried out with the active
dengan melibatkan peran aktif Komite Remunerasi dan involvement of the Remuneration and Nomination
Nominasi sebagaimana diatur dalam ketentuan tata Committee, as stipulated in applicable governance
kelola yang berlaku. Komite ini bertanggung jawab regulations. This committee is responsible for identifying
untuk melakukan identifikasi kebutuhan organisasi, organizational needs, selecting candidates, and compiling
penjaringan calon, serta penyusunan profil kandidat secara comprehensive candidate profiles, particularly for external
komprehensif, khususnya terhadap kandidat eksternal. candidates. The profiling process includes an assessment
Proses profiling mencakup penilaian atas integritas, of the candidate's integrity, competence, experience,
kompetensi, pengalaman, independensi, rekam jejak, serta independence, track record, and suitability with the Bank's
kesesuaian kandidat dengan strategi, budaya, dan nilai- strategy, culture, and values.
nilai Bank.
Hasil evaluasi dan rekomendasi Komite Remunerasi The evaluation results and recommendations of the
dan Nominasi selanjutnya disampaikan kepada Dewan Remuneration and Nomination Committee are then submitted
Komisaris untuk dilakukan pembahasan dan penilaian to the Board of Commissioners for further discussion and
lanjutan. Dewan Komisaris memastikan bahwa calon assessment. The Board of Commissioners ensures that
yang diusulkan telah memenuhi persyaratan sebagaimana the proposed candidates meet the requirements stipulated
diatur dalam Anggaran Dasar Bank, kebijakan internal, in the Bank's Articles of Association, internal policies, and
serta peraturan perundang-undangan yang berlaku. Calon applicable laws and regulations. Candidates for members
anggota Direksi dan/atau Dewan Komisaris yang telah of the Board of Directors and/or Board of Commissioners
memperoleh persetujuan Dewan Komisaris kemudian who have received the Board of Commissioners' approval
diajukan kepada RUPS untuk memperoleh persetujuan are then submitted to the GMS for official approval and
dan penetapan secara resmi. appointment.
Sesuai dengan ketentuan POJK No. 17 Tahun 2023, setiap In accordance with POJK No. 17 of 2023, every candidate
calon anggota Direksi dan Dewan Komisaris yang telah for members of the Board of Directors and Board of
ditetapkan oleh RUPS wajib mengikuti dan dinyatakan Commissioners appointed by the GMS is required to
lulus uji kemampuan dan kepatutan (fit and proper test) undergo and pass a fit and proper test administered by the
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Tata Kelola Perusahaan • Good Corporate Governance
yang diselenggarakan oleh OJK. Uji ini bertujuan untuk OJK. This test aims to ensure that the candidate possesses
memastikan bahwa calon yang bersangkutan memiliki sufficient integrity, competence, and eligibility to carry out
integritas, kompetensi, dan kelayakan yang memadai dalam the Bank's management and supervisory functions.
menjalankan fungsi pengurusan maupun pengawasan Bank.
Melalui penerapan kebijakan nominasi yang terstruktur Through the implementation of a structured nomination
dan selaras dengan ketentuan regulator tersebut, Bank policy that is in line with the regulatory provisions, the
memastikan bahwa proses pengangkatan Direksi dan Bank ensures that the process of appointing the Board of
Dewan Komisaris dilaksanakan secara prudent, konsisten, Directors and the Board of Commissioners is carried out
dan berorientasi pada penguatan GCG, serta mendukung prudently, consistently, and oriented towards strengthening
keberlanjutan kinerja Bank dalam jangka panjang. GCG, as well as supporting the sustainability of the Bank's
performance in the long term.
Kebijakan Remunerasi Direksi dan Dewan Remuneration Policy for the Board of
Komisaris [GRI 2-19, 2-20] Directors and Board of Commissioners
[GRI 2-19, 2-20]
Dasar dan Kebijakan Remunerasi Direksi dan Basis and Policy for Remuneration of the Board of
Dewan Komisaris Directors and Board of Commissioners
Kebijakan remunerasi bagi Direksi dan Dewan Komisaris The remuneration policy for the Bank's Board of Directors
Bank disusun dan diterapkan dengan berpedoman pada and Board of Commissioners is formulated and implemented
ketentuan POJK No. 45/POJK.03/2015 (“POJK 45/2015”) in accordance with the provisions of OJK Regulation No.
tentang Penerapan Tata Kelola dalam Pemberian 45/POJK.03/2015 ("POJK 45/2015") concerning the
Remunerasi bagi Bank Umum serta POJK No. 17 Tahun Implementation of Good Corporate Governance in the
2023 tentang Penerapan Tata Kelola bagi Bank Umum. Provision of Remuneration for Commercial Banks and OJK
Kebijakan ini merupakan bagian integral dari penerapan Regulation No. 17 of 2023 concerning the Implementation
prinsip GCG dan dirancang untuk mendukung pencapaian of Good Corporate Governance for Commercial Banks.
kinerja Bank yang berkelanjutan. This policy is an integral part of the implementation of
GCG principles and is designed to support the Bank's
sustainable performance.
Dalam kerangka tersebut, Bank memastikan bahwa Within this framework, the Bank ensures that the
struktur dan tingkat remunerasi ditetapkan secara wajar, remuneration structure and level are established in a fair,
transparan, dan akuntabel, dengan memperhatikan transparent, and accountable manner, while maintaining a
keseimbangan antara kinerja, risiko, serta kemampuan balance between performance, risk, and financial capacity.
keuangan Bank. Pemberian remunerasi juga diselaraskan Remuneration is also aligned with short-term and long-
dengan pencapaian kinerja jangka pendek dan jangka term performance achievements, while taking into account
panjang, serta mempertimbangkan prinsip kehati-hatian prudential banking principles, compliance with laws and
(prudential banking), kepatuhan terhadap ketentuan regulations, and best practices in the banking industry.
peraturan perundang-undangan, dan praktik terbaik di
industri perbankan.
Penetapan kebijakan remunerasi dilakukan dengan The remuneration policy is determined by involving the
melibatkan Komite Remunerasi dan Nominasi yang Remuneration and Nomination Committee, which is
bertugas melakukan evaluasi secara menyeluruh atas tasked with conducting a comprehensive evaluation of the
struktur remunerasi, komponen remunerasi tetap dan remuneration structure, fixed and variable remuneration
variabel, serta kesesuaiannya dengan kinerja Direksi dan components, and their alignment with the performance of
Dewan Komisaris, profil risiko Bank, dan sasaran strategis the Board of Directors and Board of Commissioners, the
Perseroan. Rekomendasi Komite selanjutnya disampaikan Bank's risk profile, and the Company's strategic objectives.
kepada Dewan Komisaris untuk mendapatkan persetujuan The Committee's recommendations are then submitted
sebelum diajukan kepada RUPS sesuai dengan to the Board of Commissioners for approval before being
kewenangan masing-masing organ Perseroan. submitted to the GMS, in accordance with the authority of
each Company organ.
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Tata Kelola Perusahaan • Good Corporate Governance
Melalui penerapan kebijakan remunerasi yang berlandaskan By implementing a remuneration policy based on regulatory
ketentuan regulator dan prinsip GCG, Bank berkomitmen provisions and GCG principles, the Bank is committed
untuk memastikan bahwa sistem remunerasi tidak hanya to ensuring that the remuneration system is not only
bersifat kompetitif dan adil, tetapi juga mampu mendorong competitive and fair, but also encourages responsible
perilaku pengambilan keputusan yang bertanggung jawab, decision-making, sound risk management, and the creation
pengelolaan risiko yang sehat, serta penciptaan nilai of long-term value for shareholders and other stakeholders.
jangka panjang bagi pemegang saham dan pemangku
kepentingan lainnya.
Prosedur dan Penetapan Remunerasi Direksi dan Procedures and Determination of Remuneration for
Dewan Komisaris the Board of Directors and Board of Commissioners
Proses penetapan remunerasi bagi Direksi dan Dewan The process of determining remuneration for the Bank's
Komisaris Bank dilaksanakan melalui mekanisme yang Board of Directors and Board of Commissioners is
terstruktur, transparan, dan akuntabel, dengan mengacu implemented through a structured, transparent, and
pada ketentuan peraturan perundang-undangan serta accountable mechanism, adhering to statutory provisions
prinsip GCG. Adapun tahapan prosedur penetapan and GCG principles. The stages of the remuneration
remunerasi diuraikan sebagai berikut: determination procedure are outlined as follows:
1. Pemegang Saham melakukan pembahasan pada 1. Shareholders conducts discussion at the GMS;
RUPS;
2. RUPS memberikan wewenang dan kuasa kepada 2. The GMS gives authority and power to the Board
Dewan Komisaris untuk menetapkan besaran of Commissioners to determine the remuneration
remunerasi; amount;
3. Komite Remunerasi dan Nominasi melakukan kajian 3. The Remuneration and Nomination Committee carries
dan evaluasi untuk menentukan remunerasi bagi out review and evaluation to determine remuneration
Dewan Komisaris; for the Board of Commissioners;
4. Komite Remunerasi dan Nominasi memberikan 4. The Remuneration and Nomination Committee
rekomendasi kepada Dewan Komisaris; serta provides recommendations to the Board of
Commissioners; and
5. Dewan Komisaris melakukan pembahasan atas usulan 5. The Board of Commissioners discusses the
Komite Remunerasi dan Nominasi untuk kemudian recommendations from the Remuneration and
ditetapkan besaran remunerasi anggota Direksi dan Nomination Committee, then determine the
Dewan Komisaris. remuneration amount for members of the Board of
Directors and Board of Commissioners.
Jenis dan Indikator Penetapan Remunerasi Direksi Types and Indicators for Determining Remuneration
dan Dewan Komisaris for the Board of Directors and Board of
Commissioners
Penetapan remunerasi bagi Direksi dan Dewan Komisaris Remuneration for the Bank's Board of Directors and Board
Bank dilakukan secara terukur dan berlandaskan prinsip of Commissioners is determined in a measurable manner
kewajaran, kinerja, serta keberlanjutan usaha, dengan and based on the principles of fairness, performance, and
mempertimbangkan berbagai indikator yang relevan. business sustainability, taking into account various relevant
Indikator tersebut meliputi antara lain: indicators. These indicators include, among others:
1. Kinerja, kemampuan, dan kondisi Bank. 1. Performance, capability, and condition of the Bank.
2. Hasil tolok ukur remunerasi yang berlaku di industri 2. Remuneration benchmarking results that apply in
sejenis. similar industries.
3. Pengungkapan prosedur penetapan remunerasi 3. Disclosure of remuneration determination procedures
Direksi dan Dewan Komisaris yang didasarkan for the Board of Directors and Board of Commissioners
pada keputusan RUPS yang wewenangnya dapat based on GMS resolutions, whose authority can be
dilimpahkan kepada Dewan Komisaris. delegated to the Board of Commissioners.
4. Kemampuan, tanggung jawab, hasil pencapaian 4. Capability, responsibility, performance achievement of
kinerja masing-masing anggota Dewan Komisaris. each member of the Board of Commissioners.
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Tata Kelola Perusahaan • Good Corporate Governance
5. Kemampuan dan pencapaian kinerja masing-masing 5. Capability and performance achievement of each
anggota Direksi dengan indikator utama, seperti member of the Board of Directors with key indicators,
keuntungan Bank, pertumbuhan penjualan, portofolio such as Bank profits, sales growth, risk portfolio, and
risiko, serta produktivitas. productivity.
6. Indikator kinerja untuk mengukur performa Direksi, 6. Performance indicators to measure the Board of
seperti: Directors’ performance, such as:
- Pencapaian/pertumbuhan target-target finansial - Achievement/growth of financial targets (profits,
(laba, aset, CASA, dan NPL); assets, CASA, and NPL);
- Keberhasilan meningkatkan/mempertahankan - Success in increasing/maintaining the Bank’s
tingkat kesehatan Bank; dan soundness level; and
- Realisasi dan Rencana Bisnis Bank (RBB) yang - The realization and Bank Business Plan that have
telah ditetapkan. been set.
7. Tingkat keahlian teknis, beban kerja, latar belakang 7. Level of technical expertise, workload, experience, and
pengalaman, dan Pendidikan. educational background.
8. Kemampuan dalam menanggulangi risiko dan masalah 8. Capability in overcoming the risks and problems faced
yang dihadapi Bank. by the Bank.
9. Kewajaran dengan memperhatikan peer group. 9. Fairness with due observant of the peer groups.
10. Faktor lain yang terkait namun tidak bertentangan 10. Other related factors that are not contradictory to laws
dengan peraturan perundang-undangan. and regulations.
Struktur dan Besaran Remunerasi Direksi dan Remuneration Structure and Amount for the Board
Dewan Komisaris Bank IBK Indonesia Tahun Buku of Directors and Board of Commissioners of Bank
2025 [GRI 2-21] IBK Indonesia for 2025 Fiscal Year [GRI 2-21]
Struktur dan besaran remunerasi Direksi dan Dewan The remuneration structure and amount of the Board
Komisaris merupakan elemen penting dalam sistem of Directors and Board of Commissioners are critical
tata kelola Bank yang dirancang untuk mencerminkan elements of the Bank's governance system, designed to
tingkat tanggung jawab, kompleksitas peran, serta kinerja reflect the level of responsibility, complexity of roles, and
dan kontribusi masing-masing organ Perseroan dalam the performance and contribution of each Company organ
mendukung pencapaian tujuan strategis dan keberlanjutan in supporting the achievement of the Bank's strategic
Bank. objectives and sustainability.
Penetapan remunerasi dilakukan secara hati-hati dan Remuneration is determined carefully and based on the
berlandaskan prinsip kewajaran, transparansi, serta principles of fairness, transparency, and alignment between
keselarasan antara kinerja jangka pendek dan keberlanjutan short-term performance and long-term sustainability, while
jangka panjang, dengan tetap memperhatikan kondisi dan still taking into account the Bank's financial condition and
kemampuan keuangan Bank. capabilities.
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Tata Kelola Perusahaan • Good Corporate Governance
Informasi mengenai struktur dan besaran remunerasi Information regarding the remuneration structure and
Direksi dan Dewan Komisaris Bank untuk tahun buku 2025 amount of the Bank's Board of Directors and Board of
diuraikan secara ringkas sebagai berikut: Commissioners for the 2025 Fiscal Year is summarized as
follows:
Komponen Direksi Dewan Komisaris Jumlah
Components Board of Directors Board of Commissioners Amount
Gaji Pokok
5.870.722.684 2.227.935.111 8.098.657.795
Basic Salary
Tunjangan Kendaraan
674.736.842 - 674.736.842
Vehicle Allowance
Tunjangan Makan
- - -
Meal Allowance
Tunjangan BPJS
39.830.242 - 39.830.242
BPJS Allowance
Annual Leave 142.251.053 - 142.251.053
Tunjangan Bensin
84.342.105 - 84.342.105
Fuel Allowance
Tunjangan Komunikasi
40.289.474 26.400.000 66.689.474
Communication Allowance
Tunjangan Penempatan
1.624.676.123 - 1.624.676.123
Placement Allowance
Tunjang Penugasan
901.805.104 - 901.805.104
Assignment Allowance
Pajak Penghasilan
4.796.998.035 651.808.822 5.448.806.857
Income Tax
Tunjangan Hari Raya
374.000.000 145.000.000 519.000.000
Holiday Allowance
BPJS Ketenagakerjaan
253.117.398 74.157.600 327.274.998
BPJS for Employment
BPJS Kesehatan
24.000.000 17.280.000 41.280.000
BPJS for Health
Bonus 29.091.000 - 29.091.000
Jumlah
14.855.860.060 3.142.581.533 17.998.441.593
Total
Jumlah Dewan
Jumlah Remunerasi per Orang dalam 1 (Satu) Tahun Jumlah Direksi Komisaris
Amount of Remuneration per Person in 1 (One) Year Total Board of Directors Total Board of
Commissioners
Di Atas Rp2,5 miliar
2 -
Above IDR2.5 billion
Di Atas Rp1 miliar-Rp2,5 miliar
3 1
Above IDR1 billion-IDR2.5 billion
Di Atas Rp500 juta-Rp1 miliar
- 3
Above IDR500 million-IDR1 billion
Di Bawah Rp500 juta
2 -
Under IDR500 million
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Tata Kelola Perusahaan • Good Corporate Governance
Jumlah Diterima dalam 1 (satu) Tahun
Amount Received in 1 (One) Year
Jumlah Remunerasi per Orang dalam
1 (Satu) Tahun Direksi Dewan Komisaris
Types of Remuneration and Other Board of Directors Board of Commissioners
Facilities
Orang Jumlah Orang Jumlah
People Total People Total
Remunerasi (gaji, bonus, tunjangan rutin, dan
fasilitas lainnya dalam bentuk non-natura)
7 14.855.860.060 4 3.142.581.533
Remuneration (salary, bonus, regular allowance,
and other non-natura facilities)
Fasilitas lain dalam bentuk natura (perumahan,
transportasi, asuransi kesehatan, dan
sebagainya) yang:
1. Dapat dimiliki; serta
2. Tidak dapat dimiliki. 7 1.827.554.043 3 132.259.199
Other natura facilities (housing, transportation,
health insurance, and others):
1. Can be owned; and
2. Cannot be owned.
Jumlah
16.683.414.103 3.274.840.732
Total
Berdasarkan keputusan RUPS Tahunan Tahun 2025, Based on the resolution of the 2025 Annual General
pemegang saham melimpahkan kewenangan dan kuasanya Meeting of Shareholders, shareholders delegated their
kepada Dewan Komisaris untuk menetapkan remunerasi authority and power to the Board of Commissioners to
Direksi dan Dewan Komisaris. Sehubungan dengan determine the remuneration of the Board of Directors
hal tersebut, total remunerasi dan fasilitas lainnya yang and the Board of Commissioners. Accordingly, the total
diterima oleh Direksi Bank pada Tahun Buku 2025 adalah remuneåration and other benefits received by the Bank's
sebesar Rp16.554 miliar, sedangkan total remunerasi dan Board of Directors in Fiscal Year 2025 was IDR16.554
fasilitas lainnya yang diterima oleh Dewan Komisaris adalah billion, while the total remuneration and other benefits
sebesar Rp3.275 miliar. received by the Board of Commissioners was IDR3.275
billion.
Rasio Gaji Tertinggi dan Terendah Highest-Lowest Salary Ratio
Rasio gaji tertinggi dan terendah mengacu pada The highest-lowest salary ratio refers to the comparison
perbandingan antara gaji tertinggi dan terendah yang between the highest and lowest salaries received by the
diterima oleh karyawan Bank. Rasio ini dapat digunakan Bank's employees. This ratio can be used to assess the
untuk menilai kesetaraan dan keadilan sistem remunerasi equality and fairness of the Bank's remuneration system
Bank serta untuk mempertimbangkan potensi perbaikan and to consider potential improvements in compensation
dalam kebijakan kompensasi guna menciptakan struktur policies to create a more balanced and equitable pay
penggajian yang lebih seimbang dan adil. structure.
Rasio Gaji Tertinggi dan Terendah Tahun 2025
Highest and Lowest Salary Ratio in 2025
Uraian Rasio
Description Ratio
Rasio Gaji Pegawai Tertinggi dan Terendah
21,78 : 1
Ratio of Highest and Lowest Employee Salary
Rasio Gaji Direksi Tertinggi dan Terendah
2,91 : 1
Ratio of Highest and Lowest Board of Directors Salary
Rasio Gaji Dewan Komisaris Tertinggi dan Terendah
1,90 : 1
Ratio of Highest and Lowest Board of Commissioners Salary
Rasio Gaji Direksi Tertinggi dan Pegawai Tertinggi
1,98 : 1
Ratio of Highest Salary of the Board of Directors and Highest Salary of Employee
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Tata Kelola Perusahaan • Good Corporate Governance Keterkaitan antara Remunerasi dengan Kinerja dan Relationship between Remuneration and Bank Risiko Bank Performance and Risk Bank menerapkan kebijakan remunerasi yang selaras The Bank implements a remuneration policy aligned with its dengan kinerja dan profil risiko sebagai bagian dari performance and risk profile as part of the implementation penerapan prinsip GCG serta pengelolaan risiko yang of GCG principles and prudent risk management. This prudent. Kebijakan ini disusun dan diimplementasikan policy is formulated and implemented in accordance with dengan mengacu pada POJK 45/2015 dan POJK No. OJK Regulation 45/2015 and OJK Regulation No. 17 of 17 Tahun 2023 tentang Penerapan Tata Kelola bagi Bank 2023 concerning the Implementation of Good Corporate Umum. Governance for Commercial Banks. Penetapan remunerasi Direksi dan Dewan Komisaris The determination of remuneration for the Board of Directors senantiasa memperhatikan kinerja Bank secara menyeluruh, and Board of Commissioners consistently takes into baik dari aspek keuangan maupun non-keuangan, termasuk account the Bank's overall performance, both financial and pencapaian target RBB, tingkat kesehatan Bank, efektivitas non-financial, including the achievement of Business Plan pengendalian internal, penerapan manajemen risiko, serta (RBB) targets, the Bank's soundness, the effectiveness of kepatuhan terhadap ketentuan peraturan perundang- internal controls, the implementation of risk management, undangan. Dengan demikian, pemberian remunerasi tidak and compliance with laws and regulations. Therefore, semata-mata didasarkan pada pencapaian laba, tetapi juga remuneration is not solely based on profit achievement but mempertimbangkan keberlanjutan usaha dan stabilitas also considers the Bank's long-term business sustainability Bank dalam jangka panjang. and stability. Sejalan dengan ketentuan OJK, Bank menerapkan In accordance with OJK regulations, the Bank implements mekanisme penyesuaian remunerasi berbasis risiko (risk a risk-based remuneration adjustment mechanism through adjustment) melalui penerapan malus dan clawback atas the application of malus and clawback on variable komponen remunerasi yang bersifat variabel. remuneration components. Mekanisme malus diterapkan dalam bentuk penundaan The malus mechanism is implemented in the form of a delay atau pengurangan remunerasi variabel yang belum or reduction in unpaid variable remuneration if it is later dibayarkan apabila di kemudian hari diketahui adanya discovered that the Bank has declined in performance, penurunan kinerja Bank, peningkatan risiko yang signifikan, experienced a significant increase in risk, has violated pelanggaran ketentuan, atau kegagalan penerapan tata regulations, or has failed to implement good governance kelola dan manajemen risiko. Sementara itu, mekanisme and risk management. While the clawback mechanism is clawback diterapkan sebagai hak Bank untuk menarik implemented as the Bank's right to reclaim paid variable kembali remunerasi variabel yang telah dibayarkan dalam remuneration if there is evidence of material error, fraud, a hal terbukti terdapat kesalahan material, fraud, pelanggaran serious violation of regulations, or a business decision that serius terhadap ketentuan, atau keputusan bisnis yang results in significant losses for the Bank. menimbulkan kerugian signifikan bagi Bank. Penerapan mekanisme malus dan clawback tersebut The implementation of the malus and clawback mechanisms bertujuan untuk memastikan keselarasan antara aims to ensure alignment between the interests of kepentingan manajemen, pemegang saham, dan management, shareholders, and the Bank's sustainability, keberlanjutan Bank, serta mendorong pengambilan while also encouraging responsible and long-term decision- keputusan yang bertanggung jawab dan berorientasi making. With this approach, the Bank's remuneration policy jangka panjang. Dengan pendekatan ini, kebijakan is expected to support sustainable performance, effective remunerasi Bank diharapkan dapat mendukung terciptanya risk management, and strengthen stakeholder trust in the kinerja yang berkelanjutan, pengelolaan risiko yang efektif, Bank's governance. serta penguatan kepercayaan pemangku kepentingan terhadap tata kelola Bank. 282 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance Hubungan Afiliasi Direksi dan Dewan Komisaris serta Pemegang Saham Utama dan/atau Pengendali Affiliate Relationship of the Board of Directors, Board of Commissioners and the Main and Controlling Shareholders Bank senantiasa menjunjung tinggi prinsip independensi, The Bank consistently upholds the principles of profesionalisme, dan akuntabilitas dalam menjalankan independence, professionalism, and accountability in kegiatan usahanya, sebagaimana diamanatkan dalam POJK conducting its business activities, as mandated by OJK No. 17 Tahun 2023 tentang Penerapan Tata Kelola bagi Regulation No. 17 of 2023 concerning the Implementation Bank Umum. Untuk itu, Bank telah menetapkan kebijakan of Good Corporate Governance for Commercial Banks. To dan mekanisme yang komprehensif dalam mengelola this end, the Bank has established comprehensive policies hubungan afiliasi serta potensi benturan kepentingan, and mechanisms for managing affiliated relationships and termasuk kewajiban pengungkapan (disclosure) yang potential conflicts of interest, including the obligation to lengkap, transparan, dan dilakukan secara berkala. provide complete, transparent, and regular disclosures. Setiap anggota Direksi dan Dewan Komisaris diwajibkan Each member of the Board of Directors and Board untuk menyampaikan dan memperbarui informasi terkait of Commissioners is required to submit and update hubungan keuangan, hubungan kepengurusan, kepemilikan information regarding financial relationships, management saham, dan/atau hubungan keluarga dengan Pemegang relationships, share ownership, and/or family relationships Saham Utama dan Pengendali, sesuai dengan ketentuan with Main and Controlling Shareholders, in accordance peraturan perundang-undangan di bidang perbankan. with banking laws and regulations. This disclosure serves Pengungkapan tersebut menjadi dasar bagi Bank dalam as the basis for the Bank to ensure that its management and memastikan bahwa pelaksanaan fungsi pengurusan supervisory functions continue to operate independently dan pengawasan tetap berjalan secara independen dan and objectively. objektif. Dalam hal terdapat hubungan afiliasi, Bank memastikan In the event of an affiliated relationship, the Bank ensures bahwa seluruh pengambilan keputusan strategis, that all strategic decision-making, material transaction pelaksanaan transaksi material, serta penetapan execution, and operational policy determination are kebijakan operasional dilakukan secara wajar, objektif, conducted fairly, objectively, and oriented toward the dan berorientasi pada kepentingan Bank, dengan tetap Bank's interests, while prioritizing prudential banking and mengedepankan prinsip kehati-hatian (prudential banking) arm's-length principles. Thus, potential conflicts of interest dan arm’s length principle. Dengan demikian, potensi can be managed adequately and do not affect the integrity konflik kepentingan dapat dikelola secara memadai of the decision-making process or the sustainability of the dan tidak memengaruhi integritas proses pengambilan Bank's business. keputusan maupun keberlanjutan usaha Bank. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 283
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Tata Kelola Perusahaan • Good Corporate Governance
Hubungan Afiliasi antara Anggota Direksi, Dewan Komisaris, serta Pemegang Saham
Utama dan Pengendali
Affiliate Relationship of the Board of Directors and Board of Commissioners as well as Main and Controlling
Shareholders
Hubungan Keluarga Hubungan Keuangan
Family Relationship Financial Relationship
Pemegang Pemegang Hubungan
Saham Utama Saham Utama Kepengurusan
Direksi Dewan Direksi Dewan
dan/atau dan/atau Management
Nama Jabatan Board of Komisaris Board of Komisaris
Pengendali Pengendali Relations
Name Position Directors Board of Directors Board of
Main and Main and
Commissioners Commissioners
Controlling Controlling
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
Direksi
Board of Directors
Oh In Taek Direktur
Utama
√ √ √ √ √ √ √
President
Director
Lee Dae Direktur
√ √ √ √ √ √ √
Sung* Director
Maria Cortilia Direktur
√ √ √ √ √ √ √
Vera Afianti* Director
Park Jin Je Direktur
√ √ √ √ √ √ √
Director
Edwin Direktur
√ √ √ √ √ √ √
Rudianto Director
Andreas Direktur
Mikhael Director √ √ √ √ √ √ √
Sumual
Alexander Direktur
Frans Rori Kepatuhan
√ √ √ √ √ √ √
Compliance
Director
Dewan Komisaris
Board of Commissioners
Taufik Hakim Komisaris
Utama
(Independen)
√ √ √ √ √ √ √
President
Commissioner
(Independent)
Ko Dae Jin Komisaris
√ √ √ √ √ √ √
Commissioner
Damal Bayu Komisaris
Utama Independen
√ √ √ √ √ √ √
Independent
Commissioner
Joni Komisaris
Swastanto Independen
√ √ √ √ √ √ √
Independent
Commissioner
*) Beliau efektif menjabat sebagai Direksi Bank sampai dengan tanggal 20 Juni 2025.
*) Effectively serving as Director of the Bank until June 20, 2025
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Tata Kelola Perusahaan • Good Corporate Governance Transaksi yang memiliki Benturan Kepentingan Transactions with Conflict of Interest Sepanjang tahun 2025, Perseroan tidak mencatatkan Throughout 2025, the Company did not record any adanya transaksi material yang mengandung benturan material transactions containing a conflict of interest. All kepentingan. Seluruh aktivitas usaha dan pengambilan business activities and strategic decision-making were keputusan strategis telah dilaksanakan dengan carried out with prudence, independence, and compliance mengedepankan prinsip kehati-hatian, independensi, serta with applicable laws and regulations. kepatuhan terhadap peraturan perundang-undangan yang berlaku. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 285
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Tata Kelola Perusahaan • Good Corporate Governance
Komite-Komite di Bawah Dewan Komisaris
Committees under the Board of Commissioners
Dalam rangka memperkuat efektivitas pelaksanaan fungsi To strengthen the effectiveness of its supervisory
pengawasan serta memastikan penerapan prinsip GCG function and ensure the consistent and sustainable
secara konsisten dan berkelanjutan di lingkup Bank, implementation of GCG principles within the Bank, the
Dewan Komisaris membentuk 3 (tiga) komite penunjang Board of Commissioners has established three supporting
di bawahnya, yaitu Komite Audit, Komite Remunerasi dan committees: the Audit Committee, the Remuneration
Nominasi, serta Komite Pemantau Risiko. Keberadaan and Nomination Committee, and the Risk Monitoring
komite-komite tersebut dimaksudkan untuk memperdalam Committee. These committees are intended to deepen
peran pengawasan Dewan Komisaris, khususnya pada the Board of Commissioners' supervisory role, particularly
aspek pelaporan keuangan, pengelolaan risiko, serta in financial reporting, risk management, and nomination
kebijakan nominasi dan remunerasi. Melalui dukungan and remuneration policies. Through the support of these
komite yang menjalankan fungsi secara independen committees, which perform their functions independently
dan profesional, Dewan Komisaris memperoleh analisis, and professionally, the Board of Commissioners obtains
evaluasi, serta rekomendasi yang komprehensif sebagai comprehensive analysis, evaluation, and recommendations
dasar pengambilan keputusan pengawasan yang prudent. as a basis for prudent supervisory decision-making.
Komite Audit Audit Committee
Komite Audit dibentuk oleh dan bertanggung jawab kepada The Audit Committee is established by and is responsible
Dewan Komisaris dalam rangka mendukung efektivitas to the Board of Commissioners to support the effective
pelaksanaan fungsi pengawasan, khususnya terkait implementation of its supervisory function, particularly
dengan integritas pelaporan keuangan, efektivitas sistem regarding the integrity of financial reporting, the effectiveness
pengendalian internal, pelaksanaan audit, serta kepatuhan of the internal control system, audit implementation, and
terhadap peraturan perundang-undangan yang berlaku. compliance with applicable laws and regulations. The
Keberadaan Komite Audit merupakan bagian integral dari Audit Committee is an integral part of the Bank's efforts
upaya Bank dalam memastikan penerapan prinsip GCG to ensure the consistent and sustainable implementation
secara konsisten dan berkelanjutan. Pelaksanaan fungsi of GCG principles. The Audit Committee's functions are
Komite Audit senantiasa mengacu pada ketentuan regulator consistently adhered to regulatory requirements and best
dan praktik terbaik di industri perbankan guna mendukung practices in the banking industry to support the Bank's
terwujudnya tata kelola Bank yang sehat, transparan, dan sound, transparent, and prudent governance.
prudent.
Dasar Hukum Legal Basis
Pembentukan Komite Audit mengacu pada sejumlah The establishment of the Audit Committee is based on
ketentuan peraturan perundang-undangan yang berlak, several applicable laws and regulations, including:
antara lain: 1. OJK Regulation No. 55/POJK.04/2015 ("POJK
1. POJK No. 55/POJK.04/2015 (“POJK 55/2015“) 55/2015") concerning the Establishment and
tentang Pembentukan dan Pedoman Pelaksanaan Guidelines for the Implementation of the Audit
Kerja Komite Audit; Committee;
2. POJK No. 33/POJK.04/2014 (“POJK 33/2014”) 2. OJK Regulation No. 33/POJK.04/2014 ("POJK
tentang Direksi dan Dewan Komisaris Emiten atau 33/2014") concerning the Board of Directors
Perusahaan Publik; serta and Board of Commissioners of Issuers or Public
Companies; and
3. POJK No. 17 Tahun 2023 (“POJK 17/2023”) tentang 3. OJK Regulation No. 17 of 2023 ("POJK 17/2023")
Penerapan Tata Kelola bagi Bank Umum. concerning the Implementation of Good Corporate
Governance for Commercial Banks.
Pedoman Kerja Komite Audit Audit Committee Charter
Dalam rangka memastikan pelaksanaan fungsi pengawasan To ensure the effective and independent implementation of
yang efektif dan independen, Bank telah memiliki Piagam its supervisory function, the Bank has an Audit Committee
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Tata Kelola Perusahaan • Good Corporate Governance
Komite Audit yang secara umum mengatur hal-hal terkait Charter that generally regulates matters related to the
ruang lingkup tugas dan tanggung jawab, komposisi scope of duties and responsibilities, composition and
dan keanggotaan, mekanisme kerja, serta tata cara membership, work mechanisms, and procedures for
penyelenggaraan rapat Komite Audit. holding Audit Committee meetings.
Piagam Komite Audit terakhir diperbarui pada 25 Mei The Audit Committee Charter was last updated on May 25,
2022 dan disusun dengan mengacu pada Peraturan No. 2022, and was prepared with reference to Regulation No.
IX.I.5 tentang Pembentukan dan Pedoman Pelaksanaan IX.I.5 concerning the Establishment and Guidelines for the
Kerja Komite Audit. Melalui keberadaan Piagam ini, Bank Implementation of the Audit Committee's Work. Through
memastikan bahwa pelaksanaan fungsi Komite Audit this Charter, the Bank ensures that the Audit Committee's
dilakukan secara terstruktur, transparan, dan selaras functions are carried out in a structured, transparent
dengan ketentuan peraturan perundang-undangan yang manner, and in accordance with applicable laws and
berlaku serta prinsip GCG. regulations and GCG principles.
Tugas dan Tanggung Jawab Komite Audit Audit Committee Duties and Responsibilities
Ruang lingkup tugas dan tanggung jawab Komite Audit The scope of duties and responsibilities of the Bank's Audit
Bank, adalah sebagai berikut: Committee are as follows:
1. Melakukan pemantauan dan evaluasi terhadap 1. Monitoring and evaluating the implementation of the
pelaksanaan tugas Satuan Kerja Audit Intern (SKAI): Internal Audit Unit (SKAI):
a. Kesesuaian dengan rencana kerja yang telah a. a. Compliance with the work plan approved by
disetujui oleh Direktur Utama dengan tembusan the President Director, with a copy sent to the
kepada Dewan Komisaris dan Direktur Kepatuhan; Board of Commissioners and the Compliance
serta Director; and
b. Melakukan evaluasi hasil audit telah berjalan dan b. b. Evaluating the results of audits that have been
sesuai dengan ketentuan yang berlaku. carried out and are in accordance with applicable
regulations.
2. Memastikan SKAI melakukan komunikasi dengan 2. Ensure that the Internal Audit Unit (SKAI)
Direksi, Dewan Komisaris, auditor eksternal, dan communicates with the Board of Directors, Board of
regulator. Commissioners, external auditors, and regulators.
3. Memastikan SKAI bekerja secara independent. 3. Ensure that the Internal Audit Unit (SKAI) operates
independently.
4. Memberikan rekomendasi kepada Dewan Komisaris 4. Provide recommendations to the Board of
terkait penyusunan rencana audit, ruang lingkup, dan Commissioners regarding the preparation of the
anggaran SKAI. Internal Audit Unit's audit plan, scope, and budget.
5. Melakukan pemantauan dan evaluasi atas: 5. Monitor and evaluate:
a. Penerapan kebijakan dan prosedur pengendalian a. The implementation of internal control policies
internal dalam proses pelaporan keuangan bank; and procedures in the bank's financial reporting
dan process; and
b. Kesesuaian laporan keuangan dengan standar b. The conformity of financial reports with financial
akuntansi keuangan dan ketentuan OJK mengenai accounting standards and OJK regulations
pencatatan transaksi keuangan. regarding the recording of financial transactions.
6. Melakukan pemantauan dan evaluasi terhadap 6. Monitor and evaluate the Board of Directors' follow-up
pelaksanaan tindak lanjut oleh Direksi atas hasil temuan actions on the findings of the Internal Audit Unit (SKAI),
SKAI, Akuntan Publik, dan hasil pengawasan Otoritas the Public Accountant, and the results of the Financial
Jasa Keuangan guna memberikan rekomendasi Services Authority's supervision in order to provide
kepada Dewan Komisaris. recommendations to the Board of Commissioners.
7. Komite Audit wajib memberikan rekomendasi 7. The Audit Committee is required to provide
mengenai penunjukan Akuntan Publik (AP) dan Kantor recommendations regarding the appointment of Public
Akuntan Publik (KAP) kepada Dewan Komisaris untuk Accountants (AP) and Public Accounting Firms (KAP)
disampaikan kepada Rapat Umum Pemegang Saham to the Board of Commissioners for submission to the
(RUPS) dengan pertimbangan sebagai berikut: General Meeting of Shareholders (GMS), taking into
account the following considerations:
a. Independensi AP, KAP, dan orang dalam KAP; a. The independence of the AP, the KAP, and the
individuals within the KAP;
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Tata Kelola Perusahaan • Good Corporate Governance
b. Ruang lingkup audit dan imbalan jasa audit; b. The scope of the audit and the fees for audit
services;
c. Metodologi, teknik, dan sarana audit yang c. The audit methodology, techniques, and tools
digunakan KAP; used by the KAP;
d. Keahlian dan pengalaman AP, KAP, dan tim audit d. The expertise and experience of the AP, KAP, and
yang digunakan KAP; audit team employed by the KAP;
e. Manfaat fresh eye perspective yang akan e. The benefit of a fresh perspective that will be
diperoleh melalui penggantian AP, KAP, dan tim gained through the replacement of the AP, KAP,
audit dari KAP; and audit team from the KAP;
f. Potensi risiko atas penggunaan jasa audit atas f. Potential risks of using audit services on annual
informasi keuangan historis tahunan dari AP dan/ historical financial information from the AP and/
atau KAP yang untuk 7 (tujuh) tahun kumulatif; or KAP for a cumulative period of 7 (seven) years;
serta and
g. Hasil evaluasi terhadap pelaksanaan pemberian g. Results of the evaluation of the implementation
jasa audit atas informasi keuangan historis of audit services on annual historical financial
tahunan oleh AP dan KAP pada periode information by the AP and KAP in the previous
sebelumnya. period.
8. Komite Audit melakukan evaluasi terhadap pelaksanaan 8. The Audit Committee shall evaluate the implementation
pemberian jasa audit atas informasi keuangan historis of audit services on annual historical financial
keuangan tahunan oleh AP dan/atau KAP, evaluasi information by the AP and/or KAP. This evaluation shall
dilakukan paling sedikit meliputi: include at least the following:
a. Kesesuaian pelaksanaan audit oleh AP dan/atau a. Conformity of the audit implementation by the AP
KAP dengan standar audit yang berlaku; and/or KAP with applicable audit standards;
b. Kecukupan waktu pekerjaan lapangan; b. Adequacy of fieldwork time;
c. Melakukan kajian cakupan jasa yang diberikan c. Reviewing the scope of services provided and
dan kecukupan uji petik; serta the adequacy of random sampling; and
d. Rekomendasi perbaikan yang diberikan oleh AP d. Recommendations for improvement provided by
dan/atau KAP. the AP and/or KAP.
9. Dalam melaksanakan tugas dan tanggung jawabnya, 9. In carrying out its duties and responsibilities, the Audit
Komite Audit memiliki akses penuh untuk setiap Committee has full access to all necessary information/
informasi/data yang dibutuhkan dan mendapatkan data and obtains the cooperation of Management and
kerja sama dari Manajemen dan SKAI serta memiliki the Internal Audit Unit (SKAI). It also has the authority
kewenangan untuk mengundang setiap Direksi dan to invite all Directors and Executive Officers.
Pejabat Eksekutif.
10. Melakukan penelaahan atas informasi keuangan yang 10. Reviewing financial information issued by issuers or
dikeluarkan emiten atau Perusahaan publik. public companies.
11. Melakukan penelaahan atas ketaatan terhadap 11. Reviewing compliance with laws and regulations
peraturan perundang-undangan yang berhubungan relating to the Company's/Bank's activities.
dengan kegiatan Perusahaan/Bank.
12. Menjaga kerahasiaan dokumen, data, dan informasi 12. Maintaining the confidentiality of Bank documents,
Bank. data, and information.
Struktur dan Keanggotaan Komite Audit Audit Committee Structure and Membership
Komite Audit Perseroan terdiri dari 4 (empat) orang yang The Company's Audit Committee consists of four members:
meliputi 1 (satu) Komisaris Independen sebagai ketua one Independent Commissioner as the committee chair,
komite, 1 (satu) Komisaris Independen lainnya sebagai one Independent Commissioner as a member, and
anggota, serta 2 (dua) anggota eksternal independen yang two independent external members who also serve as
turut menjabat sebagai anggota komite. committee members.
Perseroan memastikan bahwa seluruh anggota Komite The Company ensures that all members of the Audit
Audit telah memenuhi persyaratan kompetensi di bidang Committee have met the competency requirements in
akuntansi dan/atau keuangan, serta memiliki integritas dan accounting and/or finance, and possess adequate integrity
independensi yang memadai sebagaimana diatur dalam and independence as stipulated in POJK 55/2015.
POJK 55/2015.
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Tata Kelola Perusahaan • Good Corporate Governance
Susunan keanggotaan Komite Audit Perseroan per 31 The composition of the Company's Audit Committee as of
Desember 2025 disajikan sebagai berikut: December 31, 2025, is presented as follows:
Jabatan Lain di Periode
Bidang
Nama Jabatan Perseroan Dasar Pengangkatan Menjabat
Keahlian
Name Position Other Position in Basis of Appointment Term of
Expertise
the Company Office
Damal Bayu Ketua Komite Audit Komisaris Independen Surat Keputusan Direksi No. Perbankan dan 2022-saat ini
Utama Chairman of the Audit Independent SKEP.002/DIR/VII/2022 Kepatuhan 2022-present
Committee Commissioner Board of Directors Decree Banking and
No. SKEP.002/DIR/VII/2022 Compliance
Gaguk Anggota Komite Audit Anggota Komite Surat Keputusan Direksi No. Keuangan dan 2022-saat ini
Hartadi (Pihak Independen) Pemantau Risiko SKEP.002/DIR/VII/2022 Manajemen 2022-present
Audit Committee (sejak 2022) Board of Directors Decree Risiko
Member Member of the Risk No. SKEP.002/DIR/VII/2022 Finance
(Independent Party) Monitoring Committee and Risk
(since 2022) Management
Dharmansyah Anggota Komite Audit Anggota Komite Surat Keputusan Direksi No. Keuangan dan 2022-saat ini
Djalins (Pihak Independen) Pemantau Risiko SKEP.002/DIR/VII/2022 Manajemen 2022-present
Audit Committee (sejak 2021) Board of Directors Decree Risiko
Member Member of the Risk No. SKEP.002/DIR/VII/2022 Finance
(Independent Party) Monitoring Committee and Risk
(since 2021) Management
Joni Anggota Komite Audit Komisaris Independen Surat Keputusan Direksi No. Keuangan 2024-saat ini
Swastanto Audit Committee Independent SKEP.004/DIR/XII/2024 Finance 2024-present
Member Commissioner Board of Directors Decree
(Independent Party) No. SKEP.004/DIR/XII/2024
Profil Keanggotaan Komite Audit Audit Committee Membership Profile
Profil Ketua Komite Audit Profile of the Audit Committee Chairman
Damal Bayu Utama
Ketua Komite Audit
Audit Committee Chairman
DASAR PENGANGKATAN DAN PERIODE MENJABAT BASIS OF APPOINTMENT AND TERM OF OFFICE
2022–Sekarang: Surat Keputusan Direksi No. SKEP.002/DIR/VII/2022. 2022–Present: Board of Directors Decree No. SKEP.002/DIR/VII/2022.
Profil lengkap Bapak Damal Bayu Utama selaku Ketua Komite Audit The complete profile of Mr. Damal Bayu Utama as Chairman of the
yang juga menjabat sebagai Komisaris Independen Perseroan Audit Committee who also serves as the Company’s Independent
dapat dilihat pada Bab Profil Perusahaan, Sub-bab Profil Dewan Commissioner can be seen in the Company Profile Chapter,
Komisaris, halaman 106. Sub-chapter Profile of the Board of Commissioners, page 106.
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Tata Kelola Perusahaan • Good Corporate Governance
Profil Anggota Komite Audit Audit Committee Member Profile
Seluruh anggota Komite Audit Perseroan berstatus All members of the Company's Audit Committee are
Warga Negara Indonesia (WNI). Berikut ini disajikan Indonesian citizens (WNI). The following is a brief profile
profil singkat masing-masing anggota: of each member:
Gaguk Hartadi
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Anggota Komite Audit
Audit Committee Member 73 tahun Indonesia Jakarta
73 years old Jakarta
DASAR PENGANGKATAN BASIS OF APPOINTMENT
2022-Sekarang: Surat Keputusan Direksi No. SKEP.002/DIR/VII/2022. 2022-Present: Board of Directors Decree No. SKEP.002/DIR/VII/2022.
RIWAYAT PENDIDIKAN EDUCATIONAL BACKGROUND
Sarjana Ekonomi dari Universitas Brawijaya, Malang (1978). Bachelor of Economics from Brawijaya University, Malang (1978).
SERTIFIKASI KEAHLIAN EXPERTISE CERTIFICATION
Sertifikasi Manajemen Risiko Perbankan jenjang 7 Banking Risk Management Certification Level 7
BIDANG KEAHLIAN EXPERTISE
Keuangan dan Manajemen Risiko Finance and Risk Management
RIWAYAT PEKERJAAN WORK EXPERIENCE
• Komisaris Independen PT Bank IBK Indonesia Tbk (2019-2022). • Independent Commissioner of PT Bank IBK Indonesia Tbk (2019-
2022).
• Komisaris PT Bank Mitraniaga Tbk (2008-2009); • Commissioner of PT Bank Mitraniaga Tbk (2008-2009);
• Direktur Utama PT Swadharma Propertindo (2009-2015); • President Director of PT Swadharma Propertindo (2009-2015);
• Direktur Operasional PT Swadharma Propertindo (2008-2009); • Operational Director of PT Swadharma Propertindo (2008-2009);
• Pimpinan Wilayah Makassar PT Bank Negara Indonesia Tbk (2004- • Makassar Regional Manager of PT Bank Negara Indonesia Tbk (2004-
2007); dan 2007); and
• Wakil Pemimpin Wilayah 10 Jakarta PT Bank Negara Indonesia Tbk • Deputy Regional Manager of Jakarta Region 10 of PT Bank Negara
(2003-2004). Indonesia Tbk (2003-2004).
RANGKAP JABATAN CONCURRENT POSITION
Perseroan: Company:
Anggota Komite Pemantau Risiko PT Bank IBK Indonesia Tbk (sejak 2022). Member of the Risk Monitoring Committee of PT Bank IBK Indonesia Tbk
(since 2022).
Luar Perseroan: Outside the Company:
- -
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak terafiliasi dengan anggota Direksi, anggota Dewan Komisaris, He is not affiliated with any member of the Board of Directors, Board of
maupun dengan Pemegang Saham Pengendali dan Utama, baik langsung Commissioners, or Controlling or Major Shareholders, either directly or
maupun tidak langsung sampai kepada pemilik individu. indirectly, including individual owners.
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Tata Kelola Perusahaan • Good Corporate Governance
Dharmansyah Djalins
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Anggota Komite Audit
Audit Committee Member 61 tahun Indonesia Tangerang Selatan
61 years old South Tangerang
DASAR PENGANGKATAN BASIS OF APPOINTMENT
2022-Sekarang: Surat Keputusan Direksi No. SKEP.002/DIR/VII/2022. 2022-Present: Board of Directors Decree No. SKEP.002/DIR/VII/2022.
RIWAYAT PENDIDIKAN EDUCATIONAL BACKGROUND
Sarjana Ekonomi dari Universitas Krisna Dwipayana, Bekasi (1989). Bachelor of Economics from Krisna Dwipayana University, Bekasi (1989).
SERTIFIKASI KEAHLIAN EXPERTISE CERTIFICATION
Sertifikasi Manajemen Risiko Perbankan jenjang 7 Banking Risk Management Certification Level 7
BIDANG KEAHLIAN EXPERTISE
Keuangan dan Manajemen Risiko Finance and Risk Management
RIWAYAT PEKERJAAN WORK EXPERIENCE
• Komite PT Bank IBK Indonesia Tbk (2022-saat ini) • Committee of PT Bank IBK Indonesia Tbk (2022-present)
• Pimpinan Cabang KC Jakarta Sangaji PT BPD Banten Tbk (2019). • Branch Manager of Jakarta Sangaji Branch of PT BPD Banten Tbk
(2019).
• Management Risk Division Head BPD Banten • Management Risk Division Head of BPD Banten
• Operational Risk & Internal Control Manager PT Bank Pundi Indonesia • Operational Risk & Internal Control Manager of PT Bank Pundi Indonesia
Tbk (2012-2016); Tbk (2012-2016);
• Operation Division Senior PT Bank Royal Indonesia (2011-2012); dan • Operations Division Senior of PT Bank Royal Indonesia (2011-2012);
and
• Operation Group Head PT Bank Ina Perdana Tbk (1997-2011). • Operations Group Head of PT Bank Ina Perdana Tbk (1997-2011).
RANGKAP JABATAN CONCURRENT POSITION
Perseroan: Company:
• Anggota Komite Pemantau Risiko PT Bank IBK Indonesia Tbk (sejak • Member of the Risk Monitoring Committee of PT Bank IBK Indonesia
2021); dan Tbk (since 2021); and
• Anggota Komite Audit PT Bank IBK Indonesia Tbk (sejak 2021). • Member of the Audit Committee of PT Bank IBK Indonesia Tbk (since
2021).
Luar Perseroan: Outside the Company:
Trainer Inovasi Finansial Indonesia (sejak 2019) Indonesian Financial Innovation Trainer (since 2019)
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak terafiliasi dengan anggota Direksi, anggota Dewan Komisaris, He is not affiliated with any member of the Board of Directors, Board of
maupun dengan Pemegang Saham Pengendali dan Utama, baik langsung Commissioners, or Controlling or Major Shareholders, either directly or
maupun tidak langsung sampai kepada pemilik individu. indirectly, including individual owners.
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Tata Kelola Perusahaan • Good Corporate Governance Joni Swastanto Anggota Komite Audit Audit Committee Member DASAR PENGANGKATAN DAN PERIODE MENJABAT BASIS OF APPOINTMENT AND TERM OF OFFICE 2024-Sekarang: Surat Keputusan Direksi No. SKEP.004/DIR/XII/2024. 2024-Present: Board of Directors Decree No. SKEP.004/DIR/XII/2024. Profil lengkap Bapak Joni Swastanto selaku anggota Komite Audit The complete profile of Mr. Joni Swastanto as a member of the Audit yang juga menjabat sebagai Komisaris Independen Perseroan Committee who also serves as an Independent Commissioner dapat dilihat pada Bab Profil Perusahaan, Sub-bab Profil Dewan of the Company can be seen in the Company Profile Chapter, Komisaris, halaman 107. Sub-chapter Profile of the Board of Commissioners, page 107. Periode dan Masa Jabatan Komite Audit Audit Committee Terms and Term of Office Bank menetapkan pengaturan masa jabatan Komite Audit The Bank has established a term of office for the Audit sebagai bagian dari upaya menjaga efektivitas fungsi Committee as part of its efforts to maintain the effectiveness pengawasan serta konsistensi penerapan prinsip GCG. of its supervisory function and the consistent implementation Anggota Komite Audit yang berasal dari jajaran Dewan of GCG principles. Audit Committee members, who are Komisaris menjalankan tugasnya sepanjang masa jabatan members of the Board of Commissioners, shall perform sebagai Komisaris dan tidak diperkenankan melampaui their duties throughout their term as Commissioners and periode tersebut. shall not serve beyond that term. Sejalan dengan ketentuan Pasal 8 POJK 55/2015, Bank In accordance with Article 8 of POJK 55/2015, the Bank memberikan kesempatan bagi anggota Komite Audit provides Audit Committee members with the opportunity untuk diangkat kembali pada periode berikutnya dengan to be reappointed for a maximum of one additional term. batasan paling banyak 1 (satu) periode tambahan. This provision is designed to ensure a balance between Ketentuan ini dirancang untuk memastikan keseimbangan continuity of oversight and the need for a renewed antara kesinambungan pengawasan dan kebutuhan akan perspective in carrying out the Audit Committee's duties. pembaruan perspektif dalam pelaksanaan tugas Komite Audit. Melalui pengaturan masa jabatan yang terstruktur dan Through a structured and measurable term of office, the terukur, Bank berupaya menjaga independensi, objektivitas, Bank strives to maintain the independence, objectivity, serta profesionalisme Komite Audit dalam menjalankan and professionalism of the Audit Committee in carrying peran pengawasan atas proses pelaporan keuangan, out its oversight role over the financial reporting process, efektivitas pengendalian internal, manajemen risiko, dan the effectiveness of internal controls, risk management, kepatuhan terhadap peraturan perundang-undangan. and compliance with laws and regulations. This policy Kebijakan ini sekaligus mencerminkan komitmen Bank also reflects the Bank's commitment to strengthening dalam memperkuat akuntabilitas serta meningkatkan accountability and continuously improving the quality of kualitas tata kelola secara berkelanjutan. governance. 292 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Independensi Komite Audit Audit Committee Independence
Bank memastikan bahwa seluruh anggota Komite Audit The Bank ensures that all members of the Audit
telah memenuhi kriteria independensi yang memadai Committee meet adequate independence criteria to
guna mendukung pelaksanaan tugas dan tanggung jawab support the implementation of their supervisory duties and
pengawasan secara objektif, profesional, serta bebas dari responsibilities objectively, professionally, and free from
benturan kepentingan maupun pengaruh pihak mana pun. conflicts of interest or influence from any party. Fulfilling
Pemenuhan aspek independensi ini merupakan prasyarat this independence aspect is a primary prerequisite for
utama dalam menjaga integritas proses pengawasan dan maintaining the integrity of the supervisory process and the
kualitas pengambilan keputusan Komite Audit. quality of the Audit Committee's decision-making.
Seluruh anggota Komite Audit berasal dari pihak All members of the Audit Committee are independent
independen di luar manajemen Bank serta memiliki parties outside the Bank's management and possess the
kompetensi, integritas, dan pengalaman yang relevan, competence, integrity, and relevant experience, particularly
khususnya di bidang akuntansi, keuangan, dan/atau audit, in accounting, finance, and/or auditing, in accordance
sesuai dengan ketentuan peraturan perundang-undangan with applicable laws and regulations. The appointment of
yang berlaku. Penetapan keanggotaan Komite Audit juga Audit Committee members is also made with due regard to
dilakukan dengan memperhatikan kepatuhan terhadap compliance with the independence requirements stipulated
persyaratan independensi sebagaimana diatur oleh OJK. by the Financial Services Authority (OJK).
Adapun pemenuhan aspek independensi Komite Audit The Audit Committee's independence aspects are outlined
dijabarkan secara lebih rinci sebagai berikut: in more detail as follows:
Aspek Independensi Damal Bayu Dharmansyah Joni
Gaguk Hartadi
Aspect of Independence Utama Djalins Swastanto
Tidak memiliki hubungan keuangan dengan Dewan
Komisaris dan Direksi
√ √ √ √
Has no financial relationship with the Board of
Directors and Board of Commissioners
Tidak memiliki hubungan kepengurusan di Bank,
Entitas Anak, maupun perusahaan afiliasi
√ √ √ √
Has no management relationship with the Bank,
Subsidiaries, or affiliated companies.
Tidak memiliki hubungan keluarga dengan Dewan
Komisaris, Direksi, dan/atau sesama anggota Komite
Audit √ √ √ √
Has no family relationship with the Board of Directors,
Board of Commissioners, and/or fellow
Tidak menjabat sebagai pengurus partai politik,
pejabat dan pemerintah
√ √ √ √
Not serving as administrators of political parties,
officials, or government.
Rapat Komite Audit Audit Committee Meetings
Kebijakan Rapat Meeting Policy
Komite Audit Perseroan secara konsisten melaksanakan The Company's Audit Committee consistently holds regular
rapat secara berkala, paling kurang 1 (satu) kali setiap meetings, at least once a month, in accordance with the
bulan sesuai ketentuan yang tercantum dalam Piagam provisions stipulated in the Audit Committee Charter. Audit
Komite Audit. Pelaksanaan rapat Komite Audit bersifat sah Committee meetings are valid and may make decisions if
dan dapat mengambil keputusan apabila dihadiri oleh lebih attended by more than half of the total number of members,
dari setengah jumlah anggota, termasuk seorang Komisaris including one Independent Commissioner.
Independen.
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Tata Kelola Perusahaan • Good Corporate Governance
Frekuensi dan Tingkat Kehadiran Anggota Komite Frequency and Attendance of Committee Members
dalam Rapat at Meetings
Sepanjang tahun 2025, Komite Audit telah mengadakan Throughout 2025, the Audit Committee held 13 (thirteen)
13 (tiga belas) kali rapat dengan rincian sebagai berikut: meetings, detailed as follows:
Persentase
Nama Jabatan Kehadiran Rapat Jumlah Rapat Kehadiran
Name Position Meeting Attendance Number of Meeting Percentage of
Attendance
Damal Bayu Utama Ketua Komite Audit
Chairman of the Audit 13 13 100,00%
Committee
Gaguk Hartadi Anggota Komite Audit
Member of the Audit 13 13 100,00%
Committee
Dharmansyah Djalins Anggota Komite Audit
Member of the Audit 13 13 100,00%
Committee
Joni Swastanto Anggota Komite Audit
Member of the Audit 11 13 84,62%
Committee
Agenda Rapat Meeting Agenda
Tanggal Agenda Rapat Peserta Rapat
No.
Date Meeting Agenda Meeting Participants
1. 16 Januari 2025 • Tindak Lanjut arahan Komite Audit Komisaris Utama, Komite
January 16, 2025 • Hasil Audit SLIK Audit, Divisi Internal Audit
• Hasil Audit Credit Recovery President Commissioner,
• Hasil Audit Khusus Rekanan Notaris Audit Committee, Internal
• Update Status Tindak Lanjut Hasil Audit Audit Division
• Peran SKAI sesuai POJK No. 15 tahun 2024
• Rekapitulasi Pokok-Pokok Hasil Audit Smt. II 2024
• Follow-up on Audit Committee directives
• SLIK Audit Results
• Credit Recovery Audit Results
• Special Audit Results for Notary Partners
• Audit Result Follow-up Status Update
• SKAI Role in accordance with POJK No. 15 of 2024
• Recapitulation of Principal Audit Results Highlights of Semester II
2024
2. 11 Februari 2025 • Tindak Lanjut arahan Komite Audit Komite Audit, Divisi Internal
February 11, 2025 • Hasil Audit Sistem Pengendalian Internal Audit
• Hasil Audit Cabang Gading Serpong Audit Committee, Internal
• Hasil Audit Cabang Mangga Dua Audit Division
• Update Status Tindak Lanjut Hasil Audit
• Organisasi Internal Audit per Januari 2025
• Program Kerja Internal Audit 2025
• Follow-up on Audit Committee Directives
• Internal Control System Audit Results
• Gading Serpong Branch Audit Results
• Mangga Dua Branch Audit Results
• Audit Results Follow-up Status Update
• Internal Audit Organization as of January 2025
• 2025 Internal Audit Work Program
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Tanggal Agenda Rapat Peserta Rapat
No.
Date Meeting Agenda Meeting Participants
3. 10 Maret 2025 Closing Meeting Audit Laporan Keuangan 2024 KAP Shine Wing, Komite
March 10, 2025 2024 Financial Report Audit Closing Meeting Audit, Divisi Financial
Planning Accounting &
Reporting, Divisi Internal
Audit
KAP Shine Wing, Audit
Committee, Financial
Planning Accounting &
Reporting Division, Internal
Audit Division
4 24 Maret 2025 • Tindak Lanjut arahan Komite Audit Komite Audit, Divisi Internal
March 24, 2025 • Hasil Audit LHPK Audit
• Hasil Audit Produk Baru E-KYC Audit Committee, Internal
• Hasil Audit KCP Kelapa Gading Audit Division
• Hasil Audit Khusus Relokasi KCP HR Muhammad
• Update Status Tindak Lanjut Hasil Audit
• Progres Program Kerja Internal Audit 2025
• Progres Persiapan Quality Assurance Review 2025
• Usulan SKMR terkait Pengisian Komponen KPMR
• Follow-up on Audit Committee Directives
• LHPK Audit Results
• New E-KYC Product Audit Results
• Kelapa Gading Branch Office Audit Results
• Special Audit Results for HR Muhammad Branch Office Relocation
• Audit Result Follow-up Status Update
• 2025 Internal Audit Work Program Progress
• 2025 Quality Assurance Review Preparation Progress
• SKMR Proposal regarding Completing KPMR Components
5 21 April 2025 • Tindak Lanjut arahan Komite Audit Komite Audit, Divisi Internal
April 21, 2025 • Hasil Audit IT Core Banking IBKGS Audit
• Update Status Tindak Lanjut Hasil Audit Audit Committee, Internal
• Progres Program Kerja Internal Audit 2025 Audit Division
• Profil Calon Kandidat KAP untuk Quality Assurance Review 2025
• Follow-up on Audit Committee Directives
• IBKGS IT Core Banking Audit Results
• Audit Result Follow-up Status Update
• 2025 Internal Audit Work Program Progress
• Profile of Public Accountant Firm Candidates for the 2025 Quality
Assurance Review
6 15 Mei 2025 • Seleksi Kandidat KAP Quality Assurance Review 2025 Komite Audit, Divisi Internal
May 15, 2025 • Tindak Lanjut arahan Komite Audit Audit
• Hasil Audit Cabang Wisma GKBI Audit Committee, Internal
• Hasil Audit Divisi Human Resources Audit Division
• Update Status Tindak Lanjut Hasil Audit
• Progres Program Kerja Internal Audit 2025
• Selection of Candidates for the 2025 KAP Quality Assurance Review
• Follow-up on Audit Committee Directives
• Audit Results for the Wisma GKBI Branch
• Audit Results for the Human Resources Division
• Update on the Status of Follow-up Actions on Audit Results
• Progress on the 2025 Internal Audit Work Program
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Tata Kelola Perusahaan • Good Corporate Governance
Tanggal Agenda Rapat Peserta Rapat
No.
Date Meeting Agenda Meeting Participants
7 25 Juni 2025 • Tindak Lanjut arahan Komite Audit Komite Audit, Divisi Internal
June 25, 2025 • Hasil Audit KC Bandung Audit
• Hasil Audit KC Semarang Audit Committee, Internal
• Rencana Revisi Audit Plan 2025 Audit Division
• Materi Revisi Internal Audit Charter 2025
• Update Status Tindak Lanjut Hasil Audit
• Progres Program Kerja Internal Audit 2025
• Follow-up on Audit Committee Directives
• Bandung Branch Audit Results
• Semarang Branch Audit Results
• Proposed Revision to the 2025 Audit Plan
• 2025 Internal Audit Charter Revision Materials
8 25 Juli 2025 • Tindak Lanjut arahan Komite Audit Komite Audit, Divisi Internal
July 25, 2025 • Hasil Audit KC Samator Audit
• Hasil Audit KCP HR Muhammad Audit Committee, Internal
• Hasil Audit Procurement Audit Division
• Overview Aktivitas Trade Finance 2024-2025
• Laporan Pokok-Pokok Hasil Audit Smt. I 2025
• Update Status Tindak Lanjut Hasil Audit
• Progres Program Kerja Internal Audit 2025
• Follow-up on Audit Committee Directives
• Samator Branch Audit Results
• HR Muhammad Branch Audit Results
• Procurement Audit Results
• Trade Finance Activity Overview 2024-2025
• Audit Results Highlights Report for Semester I 2025
• Audit Results Follow-up Status Update
• 2025 Internal Audit Work Program Progress
9 12 Agustus 2025 • Tindak Lanjut arahan Komite Audit Komite Audit, Divisi Internal
August 12, 2025 • Hasil Audit KC Denpasar Audit
• Hasil Audit Cybersecurity Audit Committee, Internal
• Hasil Audit Divisi Operasional Audit Division
• Hasil Audit Aplikasi Perhitungan CKPN
• Update Status Tindak Lanjut Hasil Audit
• Progres Program Kerja Internal Audit 2025
• Follow-up on Audit Committee Directives
• Denpasar Branch Audit Results
• Cybersecurity Audit Results
• Operational Division Audit Results
• CKPN Calculation Application Audit Results
• Audit Result Follow-up Status Update
• 2025 Internal Audit Work Program Progress
10 16 September 2025 • Tindak Lanjut arahan Komite Audit Komite Audit, Divisi Internal
September 16, 2025 • Hasil Audit KC Teluk Betung Lampung Audit
• Hasil Audit CSP SWIFT Audit Committee, Internal
• Hasil Audit Khusus Media Akses Global Indo Audit Division
• Tindak Lanjut Advisory Trade Finance
• Hasil Internal Audit Quality Assurance Review
• Update Status Tindak Lanjut Hasil Audit
• Progres Program Kerja Internal Audit 2025
• Follow-up on Audit Committee Directives
• Teluk Betung Lampung Branch Audit Results
• SWIFT CSP Audit Results
• Media Akses Global Indo Special Audit Results
• Trade Finance Advisory Follow-up
• Internal Audit Quality Assurance Review Results
• Audit Result Follow-up Status Update
• 2025 Internal Audit Work Program Progress
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Tata Kelola Perusahaan • Good Corporate Governance
Tanggal Agenda Rapat Peserta Rapat
No.
Date Meeting Agenda Meeting Participants
11 24 Oktober 2025 • Tindak Lanjut arahan Komite Audit Komite Audit, Divisi Internal
October 24, 2025 • Hasil Audit KCP Bogor Audit
• Hasil Audit KCP Tanjung Duren Audit Committee, Internal
• Hasil Audit Credit Support Audit Division
• Hasil Audit Internal ISO27001:2022
• Draft Internal Audit Business Plan 2026
• Update Status Tindak Lanjut Hasil Audit
• Progres Program Kerja Internal Audit 2025
• Follow-up on Audit Committee Directives
• Bogor Branch Audit Results
• Tanjung Duren Branch Audit Results
• Credit Support Audit Results
• ISO27001:2022 Internal Audit Results
• Draft 2026 Internal Audit Business Plan
• Audit Result Follow-up Status Update
• 2025 Internal Audit Work Program Progress
12 25 November 2025 • Tindak Lanjut arahan Komite Audit Komite Audit, Divisi Internal
November 25, 2025 • Hasil Audit E-Banking Audit
• Hasil Audit Corporate 1,2,3 Audit Committee, Internal
• Temuan Audit OJK 2025 Audit Division
• Draft Audit Plan dan Anggaran Biaya Audit 2026
• Update Status Tindak Lanjut Hasil Audit
• Progres Program Kerja Internal Audit 2025
• Follow-up on Audit Committee Directives
• E-Banking Audit Results
• Corporate Audit Results 1, 2, and 3
• OJK Audit Findings 2025
• Draft Audit Plan and 2026 Audit Budget
• Audit Result Follow-up Status Update
• Progress of the 2025 Internal Audit Work Program
13 22 Desember 2025 • Tindak Lanjut arahan Komite Audit Komite Audit, Divisi Internal
December 22, 2025 • Hasil Audit KCP PIK Audit
• Hasil Audit SLIK Audit Committee, Internal
• Hasil Audit SCV Audit Division
• Update Alur Sirkulasi Laporan Audit
• Update Status Tindak Lanjut Hasil Audit
• Progres Program Kerja Internal Audit 2025
• Follow-up on Audit Committee directives
• PIK Branch Office Audit Results
• SLIK Audit Results
• SCV Audit Results
• Audit Report Circulation Update
• Audit Result Follow-up Status Update
• 2025 Internal Audit Work Program Progress
Program Pengembangan Kompetensi Komite Audit 2025 Audit Committee Competency Development
Tahun 2025 Program
Perseroan memiliki kebijakan untuk terus meningkatkan The Company has a policy to continuously improve the
kualitas pengawasan Komite Audit dengan mendorong quality of Audit Committee oversight by encouraging the
partisipasi aktif seluruh anggota komite dalam mengikuti active participation of all committee members in various
berbagai kegiatan pelatihan atau pengembangan training and competency development activities, including
kompetensi, baik dalam bentuk workshop, seminar, maupun workshops, seminars, and professional certification
program sertifikasi profesional. programs.
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Tata Kelola Perusahaan • Good Corporate Governance
Pada tahun 2025, anggota Komite Audit telah mengikuti By 2025, Audit Committee members had participated in
sejumlah kegiatan pendidikan atau pelatihan sebagai the following educational and training activities:
berikut:
Jenis Pelatihan dan Materi
Pengembangan Kompetensi
Posisi di Komite Waktu
Nama atau Pelatihan Penyelenggara
No Position in the Pelaksanaan
Name Types of Training and Organizer
Committee Event Date
Competency Development or
Training Materials
1. Damal Bayu Ketua Komite Audit Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab
Utama Chairman of the Audit Program Pengembangan Kompetensi Dewan Komisaris, di dalam laporan tahunan
Committee ini.
List of the training courses he attended in 2025 is available in the subchapter on
the Competency Development Program for the Board of Commissioners in this
annual report.
2. Dharmansyah Anggota Komite Audit Sertifikasi Manajemen Risiko Jenjang 6 25 Februari LSPP
Jalins Member of the Audit Risk Management Certification Level 6 2025
Committee February 25,
2025
Sertifikasi Manajemen Risiko Jenjang 7 25 Maret 2025 LSPP
Risk Management Certification Level 7 March 25, 2025
APU PPT Executive Insight: Strategic 3 Desember LPPI
Compliance for Bank Leaders 2025
AML PPT Executive Insight: Strategic December 3,
Compliance for Bank Leaders 2025
Perlindungan Konsumen Untuk BOD, 4 Desember LPPI
BOC dan Komite 2025
Consumer Protection for the Board of December 4,
Directors, Board of Commissioners, 2025
and Committees
Strengthening Good Corporate 9 Desember LPPI
Governance 2025
Strengthening Good Corporate December 9,
Governance 2025
3. Gaguk Hartadi Anggota Komite Audit Sertifikasi Manajemen Risiko Jenjang 6 25 Februari LSPP
Member of the Audit Risk Management Certification Level 6 2025
Committee February 25,
2025
Sertifikasi Manajemen Risiko Jenjang 7 25 Maret 2025 LSPP
Risk Management Certification Level 7 March 25, 2025
APU PPT Executive Insight: Strategic 3 Desember LPPI
Compliance for Bank Leaders 2025
AML-PPT Executive Insight: Strategic December 3,
Compliance for Bank Leaders 2025
Perlindungan Konsumen Untuk BOD, 4 Desember LPPI
BOC dan Komite 2025
Consumer Protection for the Board of December 4,
Directors, Board of Commissioners, 2025
and Committees
Strengthening Good Corporate 9 Desember LPPI
Governance 2025
Strengthening Good Corporate December 9,
Governance 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Jenis Pelatihan dan Materi
Pengembangan Kompetensi
Posisi di Komite Waktu
Nama atau Pelatihan Penyelenggara
No Position in the Pelaksanaan
Name Types of Training and Organizer
Committee Event Date
Competency Development or
Training Materials
4. Joni Swastanto Anggota Komite Audit Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab
Member of the Audit Program Pengembangan Kompetensi Dewan Komisaris, di dalam laporan tahunan
Committee ini.
List of the training courses he attended in 2025 is available in the subchapter on
the Competency Development Program for the Board of Commissioners in this
annual report.
Laporan Pelaksanaan Tugas Komite Audit Tahun Audit Committee Duties Implementation Report for
2025 2025
Pada tahun 2025, Komite Audit telah menjalankan peran In 2025, the Audit Committee played a crucial role
penting dalam mengawasi dan mengevaluasi perencanaan in overseeing and evaluating the overall planning and
serta pelaksanaan kegiatan audit secara menyeluruh. implementation of audit activities. The Audit Committee's
Pelaksanaan tugas Komite Audit mencakup pemantauan duties included monitoring and evaluating the
dan evaluasi pelaksanaan tugas Satuan Kerja Audit Internal implementation of the Internal Audit Unit (SKAI), following
(SKAI), menindaklanjuti temuan dari audit internal maupun up on findings from internal and external audits, carefully
eksternal, menelaah laporan keuangan secara cermat, reviewing financial reports, and providing recommendations
serta memberikan rekomendasi terkait penunjukkan Kantor regarding the appointment of a Public Accounting Firm to
Akuntan Publik untuk memastikan audit dilakukan sesuai ensure audits are conducted in accordance with applicable
dengan standar yang berlaku. standards.
Komite Audit melaksanakan pertemuan rutin setiap The Audit Committee holds regular monthly meetings
bulan untuk membahas perencanaan dan pelaksanaan to discuss audit planning and implementation, and the
audit, dan hasil dari pertemuan ini disampaikan kepada results of these meetings are presented to the Board of
Dewan Komisaris sebagai rekomendasi yang mendukung Commissioners as recommendations that support strategic
pengambilan keputusan strategis. Selain itu Komite Audit decision-making. Furthermore, the Audit Committee is
bertanggung jawab meninjau kepatuhan Bank terhadap responsible for reviewing the Bank's compliance with all
seluruh peraturan yang berlaku dan memberikan pendapat applicable regulations and providing independent and
independen serta profesional kepada Dewan Komisaris. professional opinions to the Board of Commissioners.
Komitmen ini menunjukkan dedikasi Komite Audit dalam This commitment demonstrates the Audit Committee's
mendukung integritas operasional Bank dan menjaga dedication to supporting the Bank's operational integrity
standar tata kelola perusahaan yang tinggi. and maintaining high standards of corporate governance.
Selain itu, Komite Audit telah melaksanakan berbagai tugas In addition, the Audit Committee has performed various
lainnya sebagaimana diatur dalam Piagam Komite Audit, other duties as stipulated in the Audit Committee Charter,
yaitu sebagai berikut: as follows:
1. Mengkaji dan melakukan klarifikasi atas seluruh 1. Reviewing and clarifying all financial information
informasi keuangan yang disajikan oleh Manajemen. presented by Management.
2. Memantau dan mengkaji kepatuhan terhadap aturan 2. Monitor and review compliance with capital market
terkait pasar modal dan aturan-aturan lainnya dari regulations and other regulations issued by the
OJK dan BEI serta peraturan perundang-undangan Financial Services Authority (OJK), the Indonesian
yang berhubungan dengan kegiatan Bank dengan Stock Exchange (IDX), and laws and regulations
mengadakan pertemuan secara berkala dengan related to the Bank's activities by holding regular
Sekretaris Bank dan bagian legal Bank. meetings with the Bank Secretary and the Bank's
legal department.
3. Mengevaluasi efektivitas pengendalian internal dan 3. Evaluate the effectiveness of internal controls and
pelaksanaan kegiatan serta hasil audit yang dilakukan the implementation of activities and audit results
oleh Audit Internal sepanjang tahun 2025. conducted by Internal Audit throughout 2025.
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Tata Kelola Perusahaan • Good Corporate Governance
4. Mengkaji dan membahas laporan hasil proses audit 4. Review and discuss audit reports with the Public
dengan pihak Kantor Akuntan Publik (KAP) dan Accounting Firm (KAP), monitor management's
memantau pihak manajemen dalam menindaklanjuti follow-up on audit results, and ensure that the external
hasil audit serta memastikan bahwa eksternal auditor auditor has communicated all matters related to public
telah menyampaikan seluruh hal yang berhubungan accounting audit standards to management.
dengan standar pemeriksaan akuntan publik kepada
manajemen.
5. Melakukan pertemuan dengan pihak manajemen untuk 5. Hold meetings with management to discuss risks and
membahas risiko dan masalah yang dihadapi dalam issues encountered in operational activities.
kegiatan operasional.
6. Melakukan pemantauan dan evaluasi atas: 6. Monitor and evaluate:
- Penerapan kebijakan dan prosedur pengendalian - The implementation of internal control policies
internal dalam proses pelaporan keuangan; dan and procedures in the financial reporting process;
and
- Kesesuaian laporan keuangan dengan standar - The conformity of financial reports with financial
akuntansi keuangan dan ketentuan OJK mengenai accounting standards and OJK regulations
pencatatan transaksi keuangan. regarding the recording of financial transactions.
Dalam menjalankan tugasnya, Komite Audit Bank memiliki In carrying out its duties, the Bank's Audit Committee
wewenang untuk berkoordinasi dan bekerja sama dengan has the authority to coordinate and collaborate with other
divisi-divisi lain yang ada di Bank, terutama dengan SKAI. divisions within the Bank, particularly with the Internal Audit
Unit (SKAI).
Sepanjang tahun 2025, Komite Audit telah melaksanakan Throughout 2025, the Audit Committee performed its
tugasnya berdasarkan permintaan/instruksi Dewan duties based on the requests/instructions of the Board of
Komisaris. Jika dalam pelaksanaan tugasnya ditemukan hal- Commissioners. If, in the course of carrying out its duties,
hal yang diperkirakan akan mengganggu kegiatan Bank, it discovers any matters that could potentially disrupt the
maka Komite Audit akan melaporkannya kepada Dewan Bank's operations, the Audit Committee will report these
Komisaris tidak lebih dari 14 (empat belas) hari kerja. to the Board of Commissioners within no more than 14
(fourteen) business days.
Komite Remunerasi dan Nominasi Remuneration and Nomination
Committee
Komite Remunerasi dan Nominasi merupakan komite The Remuneration and Nomination Committee is a
di bawah Dewan Komisaris yang bertanggung jawab committee under the Board of Commissioners that assists
memastikan proses penetapan remunerasi dan the management of remuneration and nomination process
pengangkatan Direksi dan Dewan Komisaris dilakukan for the Board of Directors and Board of Commissioners.
dengan baik dan sesuai dengan ketentuan regulasi yang
berlaku.
Komite Remunerasi dan Nominasi bertugas merancang The Remuneration and Nomination Committee is in charge
dan menilai kebijakan remunerasi untuk Direksi dan Dewan of designing and assessing remuneration policies for the
Komisaris, memastikan struktur dan besaran imbalan Board of Directors and Board of Commissioners, ensuring
yang adil sehingga dapat memotivasi kinerja optimal, a fair structure and compensation amount that can motivate
mengelola proses seleksi dan nominasi anggota Direksi optimal performance, managing selection and nomination
dan Dewan Komisaris, serta memastikan kandidat yang process for members of the Board of Directors and Board
direkomendasikan memenuhi kualifikasi dan pengalaman of Commissioners, and ensuring that the recommended
yang diperlukan. candidates meet the qualifications and experience required.
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Dasar Hukum Legal Basis
Pembentukan Komite Remunerasi dan Nominasi didasarkan The establishment of Remuneration and Nomination
pada ketentuan sebagai berikut: Committee is based on the following provisions:
1. POJK No. 34/POJK.04/2014 (“POJK 34/2014”) 1. POJK No. 34/POJK.04/2014 on Nomination and
tentang Komite Nominasi dan Remunerasi Emiten Remuneration Committee of Issuers or Public
atau Perusahaan Publik; serta Companies; and
2. POJK No. 45/POJK.03/2015 (“POJK 45/2015”) 2. POJK No. 45/POJK.03/2015 on Implementation
tentang Penerapan Tata Kelola dalam Pemberian of Governance in Providing Remuneration for
Remunerasi bagi Bank Umum. Commercial Banks.
Pedoman Kerja Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Charter
Dalam rangka memastikan pelaksanaan fungsi nominasi In order to ensure the implementation of the nomination
dan remunerasi berjalan secara terstruktur, efektif, dan and remuneration functions is structured, effective, and
akuntabel, Bank telah menetapkan pedoman kerja Komite accountable, the Bank has established Remuneration and
Remunerasi dan Nominasi sebagaimana diatur melalui Nomination Committee Charter as regulated by the Board
Surat Keputusan Direksi No. SKEP.002/DIR/IV/25 of Directors' Decree No. SKEP.002/DIR/IV/25 concerning
tentang Perubahan Susunan Anggota Komite Remunerasi Changes in the Composition of the Remuneration and
dan Nominasi. Pedoman kerja ini mengatur secara Nomination Committee Members. The Charter clearly
jelas ruang lingkup tugas dan kewenangan, komposisi regulate the scope of duties and authorities, composition
dan keanggotaan, tata cara kerja, serta ketentuan and membership, work procedures, and provisions
penyelenggaraan rapat Komite Remunerasi dan Nominasi. for holding Remuneration and Nomination Committee
meetings.
Tugas dan Tanggung Jawab Komite Remunerasi dan Duties and Responsibilities of the Remuneration
Nominasi and Nomination Committee
Uraian tugas dan tanggung jawab Komite Remunerasi dan The duties and responsibilities of the Remuneration and
Nominasi ditetapkan sebagai berikut: Nomination Committee are as follows:
1. Terkait kebijakan remunerasi: 1. Regarding remuneration policy:
a. Melakukan evaluasi terhadap kebijakan a. Evaluating the remuneration policy based on
remunerasi yang didasarkan atas kinerja, risiko, performance, risk, fairness with the peer group,
kewajaran dengan peer group, sasaran, dan targets, and the Bank's long-term strategy,
strategi jangka panjang Bank, pemenuhan the fulfillment of reserves as stipulated in laws
cadangan sebagaimana diatur dalam peraturan and regulations, and the Bank's future revenue
perundang-undangan dan potensi pendapatan potential.
Bank pada masa yang akan datang.
b. Menyampaikan hasil evaluasi dan rekomendasi b. Submitting evaluation results and
kepada Dewan Komisaris mengenai: recommendations to the Board of Commissioners
regarding:
• Kebijakan remunerasi bagi Direksi dan • The remuneration policy for the Board of
Dewan Komisaris untuk disampaikan kepada Directors and the Board of Commissioners
RUPS; serta to be submitted to the GMS; and
• Kebijakan remunerasi bagi pegawai secara • The remuneration policy for employees as
keseluruhan untuk disampaikan kepada a whole to be submitted to the Board of
Direksi. Directors.
c. Memastikan bahwa kebijakan remunerasi telah c. Ensuring that the remuneration policy complies
sesuai dengan ketentuan. with regulations.
d. Melakukan evaluasi secara berkala terhadap d. Conducting periodic evaluations of the
penerapan kebijakan remunerasi. implementation of the remuneration policy.
2. Terkait kebijakan nominasi: 2. Regarding nomination policy:
a. Menyusun dan memberikan rekomendasi a. Preparing and providing recommendations
mengenai sistem serta prosedur pemilihan dan/ regarding the system and procedures for
atau penggantian anggota Direksi dan anggota selecting and/or replacing members of the Board
Dewan Komisaris untuk disampaikan kepada of Directors and the Board of Commissioners to
RUPS; be submitted to the GMS;
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Tata Kelola Perusahaan • Good Corporate Governance
b. Memberikan rekomendasi mengenai calon b. Provide recommendations regarding prospective
anggota Direksi atau usulan calon anggota members of the Board of Directors or
Dewan Komisaris kepada Dewan Komisaris untuk proposed prospective members of the Board of
disampaikan kepada RUPS; serta Commissioners to the Board of Commissioners
for submission to the GMS; and
c. Memberikan rekomendasi mengenai pihak c. Provide recommendations regarding independent
independen yang akan menjadi anggota Komite parties who will become members of the Audit
Audit serta anggota Komite Pemantau Risiko Committee and Risk Monitoring Committee to
kepada Dewan Komisaris. the Board of Commissioners.
Wewenang Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Authority
Komite Remunerasi dan Nominasi memiliki wewenang The Remuneration and Nomination Committee has full
penuh untuk mengakses berbagai catatan atau informasi authority to access various records and information related
yang berkaitan dengan Dewan Komisaris, Direksi, Pejabat to the Board of Commissioners, Board of Directors,
Eksekutif, serta karyawan lainnya yang relevan dengan Executive Officers, and other employees relevant to the
pelaksanaan tugasnya. Wewenang ini diberikan agar performance of its duties. This authority is granted to enable
Komite Remunerasi dan Nominasi dapat menjalankan the Remuneration and Nomination Committee to effectively
fungsi pengawasan dan evaluasinya secara efektif, carry out its oversight and evaluation functions, particularly
terutama dalam menilai kebijakan remunerasi dan proses in assessing remuneration policies and nomination
nominasi yang berlaku di seluruh tingkatan manajemen. processes applicable at all levels of management.
Dengan akses yang luas terhadap data dan informasi internal With broad access to this internal data and information, the
ini, Komite Remunerasi dan Nominasi dapat menganalisis Remuneration and Nomination Committee can analyze and
dan mengevaluasi kinerja, kualifikasi, serta kebutuhan evaluate performance, qualifications, and human resource
pengembangan SDM secara lebih mendalam dan objektif. development needs more thoroughly and objectively. This
Wewenang ini juga memungkinkan Komite Remunerasi authority also enables the Remuneration and Nomination
dan Nominasi untuk memberikan rekomendasi yang tepat Committee to provide appropriate and strategic
dan strategis kepada Dewan Komisaris, guna memastikan recommendations to the Board of Commissioners, ensuring
bahwa kebijakan remunerasi dan nominasi mendukung that remuneration and nomination policies support the
pertumbuhan Bank serta menjaga keseimbangan antara Bank's growth and maintain a balance between the interests
kepentingan karyawan, Pemegang Saham, dan pemangku of employees, shareholders, and other stakeholders.
kepentingan lainnya.
Struktur dan Keanggotaan Komite Remunerasi dan Remuneration and Nomination Committee Structure
Nominasi and Membership
Komite Remunerasi dan Nominasi Perseroan terdiri dari The Company's Remuneration and Nomination Committee
3 (tiga) orang yang terdiri dari 1 (satu) Komisaris Utama consists of three members: one President Commissioner
(Independen) sebagai ketua komite, 1 (satu) Komisaris (Independent) as the committee chair, one other
lainnya sebagai anggota, dan 1 (satu) anggota sisanya Commissioner as a member, and one remaining member
merupakan pejabat eksekutif di Perseroan yang menduduki who is an executive officer of the Company holding the
posisi Kepala Divisi HR. position of Head of the HR Division.
Susunan keanggotaan Komite Remunerasi dan Nominasi The membership composition of the Company's
Perseroan per 31 Desember 2025 disajikan sebagai Remuneration and Nomination Committee as of December
berikut: 31, 2025, is as follows:
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Tata Kelola Perusahaan • Good Corporate Governance
Jabatan Lain di
Bidang Periode
Nama Jabatan Perseroan Dasar Pengangkatan
Keahlian Menjabat
Name Position Other Position in Basis of Appointment
Expertise Term of Office
the Company
Taufik Hakim Ketua Komite Komisaris Utama Surat Keputusan Direksi Keuangan dan 17 September
Remunerasi dan (Independen) No. SKEP. 002/DIR/IV/25. Manajemen Risiko 2019-saat ini
Nominasi President Board of Directors Decree Finance and Risk (Periode Ke-VI)
Chairman of the Commissioner No. SKEP. 002/DIR/IV/25. Management September 17,
Remuneration (Independent) 2019-present
and Nomination (6th Term)
Committee
Ko Dae Jin Anggota Komite Komisaris Surat Keputusan Direksi Keuangan 30 Desember
Remunerasi dan Commissioner No. SKEP. 002/DIR/IV/25. Finance 2024-saat ini
Nominasi Board of Directors Decree (Periode Ke-II)
Member of the No. SKEP. 002/DIR/IV/25. December 30,
Remuneration 2024-present
and Nomination (Second Term)
Committee
Ruth Damayanti Anggota Komite Kepala Divisi HR Surat Keputusan Direksi Manajemen 22 April 2025-
Sianturi Remunerasi dan Head of the HR No. SKEP. 002/DIR/IV/25. Sumber Daya saat ini
Nominasi Division Board of Directors Decree Manusia (Periode Ke-I)
Member of the No. SKEP. 002/DIR/IV/25. Human Capital April 22, 2025–
Remuneration Resource present
and Nomination Management (Term I)
Committee
Andreas Mikhael Anggota Komite • Kepala Divisi HR 2025: Surat Keputusan Manajemen 29 November
Sumual Remunerasi dan (2022-2025) Direksi No. SKEP. 006. Sumber Daya 2022-21 April
Nominasi • Direktur DIR.XII.24. Manusia 2025
Member of the Operasional 2025: Board of Directors Human Capital (Periode Ke-II)
Remuneration (2025-saat ini) Decree No. SKEP. 006. Resource November 29,
and Nomination • Head of the HR DIR.XII.24. Management 2022–April 21,
Committee Division (2022- 2025
2025) (Term II)
• Operations
Director
(2025-present)
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Tata Kelola Perusahaan • Good Corporate Governance
Profil Keanggotaan Komite Remunerasi dan Remuneration and Nomination Committee
Nominasi Membership Profile
Profil Ketua Komite Remunerasi dan Nominasi Profile of the Remuneration and Nomination
Committee Chairman
Taufik Hakim
Ketua Komite Remunerasi dan Nominasi
Remuneration and Nomination Committee Chairman
DASAR PENGANGKATAN DAN PERIODE MENJABAT BASIS OF APPOINTMENT AND TERM OF OFFICE
2022-Sekarang: Surat Keputusan Direksi No. SKEP. 002/DIR/IV/25. 2022-Present: Board of Directors Decree No. SKEP. 002/DIR/IV/25.
Profil lengkap Bapak Taufik Hakim selaku Ketua Komite Remunerasi The complete profile of Mr. Taufik Hakim as Chairman of the
dan Nominasi yang juga menjabat sebagai Komisaris Utama Remuneration and Nomination Committee who also serves as the
(Independen) Perseroan dapat dilihat pada Bab Profil Perusahaan, Company’s President Commissioner (Independent) can be seen in
Sub-bab Profil Dewan Komisaris, halaman 104. the Company Profile Chapter, Sub-chapter Profile of the Board of
Commissioners, page 104.
Profil Anggota Komite Remunerasi dan Nominasi Profile of the Remuneration and Nomination
Committee Members
Berikut ini disajikan profil singkat masing-masing anggota: The following is a brief profile of each member:
Ko Dae Jin
Anggota Komite Remunerasi dan Nominasi
Remuneration and Nomination Committee Members
DASAR PENGANGKATAN DAN PERIODE MENJABAT BASIS OF APPOINTMENT AND TERM OF OFFICE
2024-Sekarang: Surat Keputusan Direksi No. SKEP. 002/DIR/IV/25. 2024-Present: Board of Directors Decree No. SKEP. 002/DIR/IV/25.
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Profil lengkap Bapak Ko Dae Jin selaku anggota Komite Remunerasi The complete profile of Mr. Ko Dae Jin as a member of the
dan Nominasi yang juga menjabat sebagai Komisaris Perseroan Remuneration and Nomination Committee who also serves as a
dapat dilihat pada Bab Profil Perusahaan, Sub-bab Profil Dewan Commissioner of the Company can be seen in the Company Profile
Komisaris, halaman 105. Chapter, Sub-chapter Profile of the Board of Commissioners,
page 105.
Ruth Damayanti
Sianturi
Anggota Komite Remunerasi USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
dan Nominasi 38 tahun Indonesia Cinere, Kota Depok, Jawa Barat
Remuneration and Nomination 38 years old Cinere, Depok City, West Java Province
Committee Members
DASAR PENGANGKATAN BASIS OF APPOINTMENT
April 2025-Sekarang: Surat Keputusan Direksi No. SKEP.002/DIR/IV/25. April 2025-Present: Board of Directors Decree No. SKEP.002/DIR/IV/25.
RIWAYAT PENDIDIKAN EDUCATIONAL BACKGROUND
S1 Jurusan Psikologi, Universitas Pendidikan Indonesia (2010). Bachelor’s degree in Psychology, Indonesia University of Education (2010).
SERTIFIKASI PROFESI PROFESSIONAL CERTIFICATION
• Sertifikasi Manajemen Risiko Perbankan; • Banking Risk Management Certification;
• Sertifikasi Profesi Manajemen Sumber Daya Manusia (CHRP); dan • Human Resource Management Professional Certification (CHRP); and
• Sertifikasi Asesor DISC. • DISC Assessor Certification.
RIWAYAT PEKERJAAN WORK EXPERIENCE
• PJS HR Division Head, PT Bank IBK Indonesia (2025-sampai saat ini); • Acting HR Division Head, PT Bank IBK Indonesia (2025-present);
• HR Development Department Head, PT Bank IBK Indonesia (2022- • HR Development Department Head, PT Bank IBK Indonesia (2022-
2025); 2025);
• HR Department Head, PT Bank IBK Indonesia (2019-2022); • HR Department Head, PT Bank IBK Indonesia (2019-2022);
• HR Department Head, PT Bank Agris (2013-2019); • HR Department Head, PT Bank Agris (2013-2019);
• HC Learning & Development Specialist, PT WOM Finance (2012- • HC Learning & Development Specialist, PT WOM Finance (2012-
2013); 2013);
• HR Training Specialist, PT BCA Multifinance (2010-2012). • HR Training Specialist, PT BCA Multifinance (2010-2012).
RANGKAP JABATAN CONCURRENT POSITION
Perseroan: Company:
Tidak ada None
Luar Perseroan: Outside the Company:
Tidak ada None
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak terafiliasi dengan anggota Direksi, anggota Dewan Komisaris, He is not affiliated with any member of the Board of Directors, Board of
maupun dengan Pemegang Saham Pengendali dan Utama, baik langsung Commissioners, or Controlling or Major Shareholders, either directly or
maupun tidak langsung sampai kepada pemilik individu. indirectly, including individual owners.
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Tata Kelola Perusahaan • Good Corporate Governance
Periode dan Masa Jabatan Komite Remunerasi dan Period and Term of Office of the Remuneration and
Nominasi Nomination Committee
Periode menjabat anggota Komite Remunerasi dan The term of office of members of the Remuneration and
Nominasi ditetapkan selaras dengan masa jabatan Nomination Committee is determined in line with the term
Dewan Komisaris sebagaimana diputuskan melalui of office of the Board of Commissioners, as decided by
RUPS. Pengaturan ini dimaksudkan untuk menjaga the GMS. This arrangement is intended to maintain the
kesinambungan fungsi pengawasan serta memastikan continuity of the supervisory function and ensure alignment
keselarasan antara pelaksanaan tugas Komite dengan between the implementation of the Committee's duties and
mandat Dewan Komisaris yang berlaku. the prevailing mandate of the Board of Commissioners.
Dengan penyelarasan periode jabatan tersebut, Bank By aligning the term of office, the Bank ensures that the
memastikan bahwa pelaksanaan fungsi nominasi dan nomination and remuneration function is carried out
remunerasi dapat dijalankan secara efektif, konsisten, effectively, consistently, and accountably, and remains
dan akuntabel, serta senantiasa sejalan dengan arah aligned with the policy direction, strategy, and principles of
kebijakan, strategi, dan prinsip tata kelola perusahaan yang good corporate governance as determined by shareholders
baik sebagaimana ditetapkan oleh pemegang saham dan and regulators.
regulator.
Independensi Komite Remunerasi dan Nominasi Independence of the Remuneration and Nomination
Bank memastikan setiap anggota Komite Remunerasi Committee
dan Nominasi mampu menjalankan perannya secara The Bank ensures that each member of the Remuneration
mandiri, profesional, dan berimbang, tanpa keterikatan and Nomination Committee is capable of carrying out their
kepentingan yang dapat memengaruhi objektivitas dalam role independently, professionally, and impartially, without
proses pengambilan rekomendasi. Hal ini tercermin dari any vested interests that could affect objectivity in the
komposisi keanggotaan komite yang terdiri dari individu- recommendation-making process. This is reflected in the
individu yang memiliki kompetensi dan pengalaman committee's membership, which consists of individuals
memadai di bidang remunerasi, nominasi, dan tata kelola with sufficient competence and experience in the areas
sumber daya manusia. Komposisi tersebut dirancang untuk of remuneration, nomination, and human resource
mendukung proses evaluasi dan perumusan kebijakan governance. This composition is designed to support an
yang independen, transparan, dan selaras dengan strategi independent, transparent evaluation and policy formulation
jangka panjang Bank. process that aligns with the Bank's long-term strategy.
Uraian mengenai pemenuhan aspek independensi Komite A description of the fulfillment of the independence
Remunerasi dan Nominasi disajikan secara lebih rinci aspects of the Remuneration and Nomination Committee
sebagai berikut: is presented in more detail as follows:
Ruth
Aspek Independensi
Taufik Hakim Ko Dae Jin Damayanti
Aspect of Independence
Sianturi
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi
Has no financial relationship with the Board of Directors and Board of √ √ √
Commissioners
Tidak memiliki hubungan kepengurusan di Bank, Entitas Anak, maupun
perusahaan afiliasi
√ √ √
Has no management relationship with the Bank, Subsidiaries, or affiliated
companies.
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi,
dan/atau sesama anggota Komite Lainnya
√ √ √
Has no family relationship with the Board of Directors, Board of
Commissioners, and/or fellow Committee members
Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah
√ √ √
Not serving as administrators of political parties, officials, or government.
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Tata Kelola Perusahaan • Good Corporate Governance
Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Meetings
Kebijakan Rapat Meeting Policy
Komite Remunerasi dan Nominasi menyelenggarakan The Remuneration and Nomination Committee holds
rapat secara berkala paling sedikit 4 (empat) kali dalam regular meetings at least four times per fiscal year to
satu tahun buku guna memastikan proses evaluasi dan ensure the evaluation and formulation of remuneration and
perumusan kebijakan remunerasi serta nominasi berjalan nomination policies are planned and sustainable.
secara terencana dan berkesinambungan.
Setiap rapat dinyatakan sah dan dapat mengambil Each meeting is considered valid and can make decisions
keputusan apabila dihadiri oleh sedikitnya 51% (lima puluh if attended by at least 51% (fifty-one percent) of the
satu persen) dari jumlah anggota Komite Remunerasi dan Remuneration and Nomination Committee members.
Nominasi. Kehadiran tersebut wajib mencakup paling sedikit Attendance must include at least one Independent
1 (satu) orang Komisaris Independen serta 1 (satu) orang Commissioner, one executive officer responsible for HR
pejabat eksekutif yang membawahi fungsi pengelolaan management, or one employee representative.
SDM atau 1 (satu) orang perwakilan karyawan.
Frekuensi dan Tingkat Kehadiran Anggota Komite Frequency and Attendance of Committee Members
dalam Rapat at Meetings
Sepanjang tahun 2025, Komite Remunerasi dan Nominasi Throughout 2025, the Remuneration and Nomination
telah melaksanakan rapat sebanyak 8 (delapan) kali dengan Committee held eight meetings with the following
tingkat kehadiran sebagai berikut: attendance levels:
Persentase
Nama Jabatan Kehadiran Rapat Jumlah Rapat Kehadiran
Name Position Meeting Attendance Number of Meetings Percentage of
Attendance
Taufik Hakim Ketua Komite Remunerasi dan
Nominasi
8 8 100,00%
Chairman of the Remuneration
and Nomination Committee
Ko Dae Jin Anggota Komite Remunerasi
dan Nominasi
8 8 100,00%
Member of the Remuneration
and Nomination Committee
Ruth Damayanti Anggota Komite Remunerasi
Sianturi*) dan Nominasi
3 3 100,00%
Member of the Remuneration
and Nomination Committee
Andreas Mikhael Anggota Komite Remunerasi
Sumual**) dan Nominasi
5 5 100,00%
Member of the Remuneration
and Nomination Committee
*) Beliau menjabat sebagai Anggota Komite Remunerasi dan Nominasi sejak 22 April 2025.
**) Beliau tidak menjabat lagi sebagai Anggota Komite Remunerasi dan Nominasi sejak 22 April 2025.
*) She has served as a member of the Remuneration and Nomination Committee since April 22, 2025.
**) He has no longer served as a member of the Remuneration and Nomination Committee since April 22, 2025.
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Tata Kelola Perusahaan • Good Corporate Governance
Agenda Rapat Meeting Agenda
Tanggal Agenda Rapat Peserta Rapat
No.
Date Meeting Agenda Meeting Participants
1. 22 Januari 2025 Pembahasan Tunjangan Kinerja 2024 dan Hasil Salary Survey 2024 • Taufik Hakim
January 22, 2025 Discussion of 2024 Performance Allowances and 2024 Salary Survey • Ko Dae Jin
Results • Andreas Mikhael Sumual
2. 24 Februari 2025 Pembahasan Nominasi Calon Direktur Kredit • Taufik Hakim
February 24, 2025 Discussion of Credit Director Candidate Nominations • Ko Dae Jin
• Andreas Mikhael Sumual
3. 25 Februari 2025 Pembahasan Remunerasi dan Benefit TKA • Taufik Hakim
February 25, 2025 Discussion of Foreign Worker Remuneration and Benefits • Ko Dae Jin
• Andreas Mikhael Sumual
4. 17 Maret 2025 Pembahasan Batasan Gaji dan Tunjangan BOD BOC • Taufik Hakim
March 17, 2025 Discussion of BOD BOC Salary and Allowance Limits • Ko Dae Jin
• Andreas Mikhael Sumual
5. 27 Maret 2025 Pembahasan Penyesuaian Tunjangan Karyawan Tahun 2025 • Taufik Hakim
March 27, 2025 Discussion of 2025 Employee Benefit Adjustments • Ko Dae Jin
• Andreas Mikhael Sumual
6. 20 Mei 2025 Pembahasan Nominasi Direktur dan Komisaris • Taufik Hakim
May 20, 2025 Discussion on Director and Commissioner Nominations • Ko Dae Jin
• Ruth Damayanti Sianturi
7. 20 Juni 2025 Pembahasan Periode Jabatan dan Skema Remunerasi BOD BOC dan • Taufik Hakim
June 20, 2025 Komite • Ko Dae Jin
Discussion on the Terms of Office and Remuneration Scheme for the Board • Ruth Damayanti Sianturi
of Directors, Board of Commissioners, and Committees
8. 29 Agustus 2025 Pembahasan Skema dan Pendistribusian Bonus Semester I Tahun 2025 • Taufik Hakim
August 29, 2025 Discussion on the Bonus Scheme and Distribution for the First Semester • Ko Dae Jin
of 2025 • Ruth Damayanti Sianturi
Program Pengembangan Kompetensi Komite Nomination and Remuneration Committee
Nominasi dan Remunerasi Tahun 2025 Competency Development Program in 2025
Perseroan berkomitmen untuk meningkatkan efektivitas The Company is committed to improving the effectiveness
pengawasan Komite Nominasi dan Remunerasi dengan of the Nomination and Remuneration Committee's oversight
mendorong seluruh anggota berpartisipasi aktif dalam by encouraging all members to actively participate in various
berbagai program pengembangan kompetensi, termasuk competency development programs, including workshops,
workshop, seminar, dan sertifikasi profesional. Sepanjang seminars, and professional certification. Throughout 2025,
tahun 2025, anggota Komite telah mengikuti berbagai Committee members participated in various educational
kegiatan pendidikan dan pelatihan, antara lain: and training activities, including:
Jenis Pelatihan dan Materi
Posisi di
Pengembangan Kompetensi atau Waktu
Nama Komite Penyelenggara
No Pelatihan Pelaksanaan
Name Position in the Organizer
Types of Training and Competency Date
Committee
Development or Training Materials
1. Taufik Hakim Ketua Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Chairman Pengembangan Kompetensi Dewan Komisaris, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Commissioners in this annual report.
2. Ko Dae Jin Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Member Pengembangan Kompetensi Dewan Komisaris, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Commissioners in this annual report.
308 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Jenis Pelatihan dan Materi
Posisi di
Pengembangan Kompetensi atau Waktu
Nama Komite Penyelenggara
No Pelatihan Pelaksanaan
Name Position in the Organizer
Types of Training and Competency Date
Committee
Development or Training Materials
3. Ruth Damayanti Anggota Imboost Your Spirit: Cultivating Positivity for a 1 Februari 2025 OJK Institute
Sianturi Member Balanced and Fulfilling Life starts in 1 hour February 1,
Imboost Your Spirit: Cultivating Positivity for a 2025
Balanced and Fulfilling Life starts in 1 hour
Peningkatan "Pengetahuan Dasar Perbankan 2 Mei 2025 Bank IBK Indonesia
dan Budaya Kepatuhan (PDPBK)" Tahap I May 2, 2025
"Basic Banking Knowledge and Compliance
Culture (PDPBK)" Enhancement Phase I
Peningkatan "Pengetahuan Dasar Perbankan 2 Mei 2025 Bank IBK Indonesia
dan Budaya Kepatuhan (PDPBK)" Tahap II May 2, 2025
"Basic Banking Knowledge and Compliance
Culture (PDPBK) Enhancement Phase II
Strategic Execution Leadership Training Batch I 25 Mei 2025 MSCO
Strategic Execution Leadership Training Batch I May 25, 2025
The Role of Talent Mobility & HCMS as 1 November Top Business
Strategies Business Partner 2025
The Role of Talent Mobility & HCMS as November 1,
Strategies Business Partner 2025
Refreshment Sertifikasi Manajemen Risiko 9 Desember LPK Praveena
Jenjang 4 2025
Level 4 Risk Management Certification December 9,
Refreshment 2025
Laporan Pelaksanaan Tugas Komite Nominasi dan 2025 Nomination and Remuneration Committee
Remunerasi Tahun 2025 Duties Implementation Report
Pada tahun 2025, Komite Nominasi dan Remunerasi telah In 2025, the Nomination and Remuneration Committee
menyampaikan laporan pelaksanaan tugas dan tanggung submitted a report on the implementation of its duties
jawabnya kepada Dewan Komisaris, sekaligus memberikan and responsibilities to the Board of Commissioners, while
sejumlah rekomendasi strategis, antara lain terkait: also providing a number of strategic recommendations,
including:
1. Remunerasi & Tunjangan Karyawan: Pembahasan 1. Employee Remuneration & Benefits: Discussion of
evaluasi Tunjangan Kinerja 2024, Pembahasan Hasil the 2024 Performance Allowance evaluation, Salary
Salary Survey, penyesuaian tunjangan karyawan untuk Survey Results, adjustments to employee benefits for
tahun 2025, serta skema distribusi Bonus Semester I 2025, and the 2025 First Semester Bonus distribution
2025; scheme;
2. Manajemen Jabatan (BOD & BOC): Pembahasan 2. Board of Directors & Board of Commissioners (BOD
mengenai nominasi calon Direktur serta Komisaris, & BOC): Discussion of nominations for Director and
termasuk penetapan periode masa jabatannya; dan Commissioner candidates, including the determination
of their terms of office; and
3. Remunerasi & Benefit Eksekutif: Evaluasi skema 3. Executive Remuneration & Benefits: Evaluation of the
remunerasi, batasan gaji, serta tunjangan bagi jajaran remuneration scheme, salary limits, and benefits for
BOD, BOC, Komite, dan Tenaga Kerja Asing (TKA). the BOD, BOC, Committees, and Foreign Workers
(TKA).
Komite Pemantau Risiko Risk Monitoring Committee
Komite Pemantau Risiko dibentuk untuk mendukung The Risk Monitoring Committee was established to
pelaksanaan fungsi pengawasan Dewan Komisaris support the Board of Commissioners' oversight function
terhadap penerapan manajemen risiko Bank. Komite ini regarding the Bank's risk management implementation.
berperan sebagai organ pendukung Dewan Komisaris yang This committee serves as a supporting body for the Board
bertugas memastikan bahwa seluruh aktivitas pengelolaan of Commissioners, tasked with ensuring that all risk
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 309
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Tata Kelola Perusahaan • Good Corporate Governance
risiko telah dijalankan secara efektif, prudent, dan konsisten management activities are carried out effectively, prudently,
dengan profil risiko serta strategi bisnis Bank yang telah and consistently with the Bank's established risk profile
ditetapkan. and business strategy.
Dalam menjalankan tugasnya, Komite Pemantau Risiko In carrying out its duties, the Risk Monitoring Committee
melakukan penelaahan atas kecukupan dan efektivitas reviews the adequacy and effectiveness of the Bank's
kebijakan, kerangka kerja, serta sistem manajemen risiko risk management policies, frameworks, and systems. In
yang diterapkan oleh Bank. Selain itu, Komite secara addition, the Committee periodically monitors key risk
berkala memantau eksposur risiko utama, mengevaluasi exposures, evaluates compliance with risk limits, and
kepatuhan terhadap batasan risiko, serta menilai kesiapan assesses the Bank's readiness to anticipate risk dynamics
Bank dalam mengantisipasi dinamika risiko yang timbul dari arising from changing internal and external conditions.
perubahan kondisi internal maupun eksternal.
Dasar Hukum Legal Basis
Pembentukan Komite Pemantau Risiko dilandaskan pada The establishment of the Risk Monitoring Committee is
sejumlah ketentuan berikut ini: based on the following provisions:
1. POJK No. 17 Tahun 2023 tentang Penerapan Tata 1. OJK Regulation No. 17 of 2023 concerning the
Kelola bagi Bank Umum; serta Implementation of Governance for Commercial Banks;
and
2. SEOJK No. 14/SEOJK.03/2025 tentang Penerapan 2. OJK Circular Letter No. 14/SEOJK.03/2025
Tata Kelola bagi Bank Umum. concerning the Implementation of Governance for
Commercial Banks.
Pedoman Kerja Komite Pemantau Risiko Risk Monitoring Committee Charter
Bank telah memiliki Pedoman Kerja Komite Pemantau The Bank has established Risk Monitoring Committee
Risiko yang menjadi acuan dalam pelaksanaan tugas, Charter, which serve as a reference for the structured
tanggung jawab, serta tata cara kerja Komite Pemantau and consistent implementation of the Risk Monitoring
Risiko secara terstruktur dan konsisten. Pedoman tersebut Committee's duties, responsibilities, and work procedures.
terakhir direvisi pada tanggal 30 Desember 2024 guna These guidelines were last revised on December 30, 2024,
memastikan keselarasan dengan perkembangan regulasi to ensure alignment with regulatory developments and the
serta kebutuhan pengawasan risiko Bank. Bank's risk oversight needs.
Pengaturan mengenai keanggotaan Komite Pemantau The regulations regarding Risk Monitoring Committee
Risiko ditetapkan melalui Surat Keputusan Direksi No. membership are stipulated in Board of Directors Decree
SKEP.005/DIR/XII/2024, yang mencakup ketentuan No. SKEP.005/DIR/XII/2024, which includes provisions
terkait komposisi keanggotaan, ruang lingkup tugas regarding membership composition, scope of duties and
dan tanggung jawab, mekanisme kerja, serta tata cara responsibilities, work mechanisms, and procedures for
penyelenggaraan rapat Komite Pemantau Risiko. holding Risk Monitoring Committee meetings.
Dengan adanya pedoman yang jelas dan mutakhir With these clear and up-to-date guidelines, the Bank
tersebut, Bank memastikan Komite Pemantau Risiko dapat ensures that the Risk Monitoring Committee can carry
menjalankan fungsi pengawasan terhadap penerapan out its oversight function regarding the implementation
manajemen risiko secara efektif, independen, dan selaras of risk management effectively, independently, and in
dengan prinsip kehati-hatian serta ketentuan peraturan accordance with prudential principles and applicable laws
perundang-undangan yang berlaku. and regulations.
Struktur dan Keanggotaan Komite Pemantau Risiko Structure and Membership of the Risk Monitoring
Committee
Komite Pemantau Risiko Perseroan terdiri dari 5 (lima) The Company's Risk Monitoring Committee consists of
orang, yaitu 1 (satu) Komisaris Utama (Independen) five members: one President Commissioner (Independent)
sebagai Ketua Komite, 2 (dua) anggota Dewan Komisaris as Committee Chair, two members of the Board of
sebagai anggota komite, serta 2 (dua) anggota independen Commissioners as committee members, and two
dari pihak eksternal yang juga merangkap sebagai anggota independent members from external parties who also serve
Komite Audit Bank. as members of the Bank's Audit Committee.
310 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Susunan keanggotaan Komite Pemantau Risiko Perseroan The composition of the Company's Risk Monitoring
per 31 Desember 2025 disajikan pada tabel berikut. Committee as of December 31, 2025, is presented in the
following table.
Jabatan Lain di Periode
Bidang
Nama Jabatan Bank Dasar Pengangkatan Menjabat
Keahlian
Name Position Other Positions in Basis of Appointment Term of
Expertise
the Bank Office
Taufik Hakim Ketua Komite • Komisaris Utama • Surat Salinan Keputusan Keuangan dan 2019-saat ini
Pemantau (Independen) Anggota Dewan Komisioner Manajemen (Periode Ke-3)
Risiko • Ketua Komite Otoritas Jasa Keuangan No. Risiko 2019-present
Chairman Remunerasi dan KEP-108/D.03/2022 tanggal 7 Finance (3rd Term)
of the Risk Nominasi Juli 2022 tentang Hasil Penilaian and Risk
Monitoring • President Kemampuan dan Kepatutan. Management
Committee Commissioner • Surat Keputusan Dewan Direksi
(Independent) No. SKEP.005/DIR/XII/24
• Chair of the tentang Perubahan Susunan
Remuneration Anggota Komite Pemantau Risiko,
and Nomination tanggal 30 Desember 2024
Committee • Surat Keputusan Dewan Direksi
No. SKEP.002/DIR/IV/25 tentang
Perubahan Susunan Anggota
Komite Remunerasi dan Nominasi,
tanggal 22 April 2025
• Copy of Decision Letter of the
Members of the Financial Services
Authority Board of Commissioners
No. KEP-108/D.03/2022 dated
July 7, 2022, concerning the
Results of the Fit and Proper Test.
• Decree of the Board of Directors
No. SKEP.005/DIR/XII/24
concerning Changes to the
Composition of the Risk Monitoring
Committee, dated December 30,
2024
• Decree Letter of the Board of
Directors No. SKEP.002/DIR/
IV/25 concerning Changes to the
Composition of the Remuneration
and Nomination Committee, dated
April 22, 2025
Gaguk Hartadi Anggota Anggota Komite Surat Keputusan Dewan Direksi Keuangan dan 2022-saat ini
Komite Audit (Pihak No. SKEP.004/DIR/XII/24 tentang Manajemen (Periode Ke-1)
Pemantau Independen) Perubahan Susunan Anggota Komite Risiko 2022-present
Risiko (Pihak Audit Committee Audit tanggal 30 Desember 2024 Finance (1st Term)
Independen) Member Board of Directors Decree No. and Risk
Member (Independent Party) SKEP.004/DIR/XII/24 concerning Management
of the Risk Changes to the Composition of Audit
Monitoring Committee Members dated December
Committee 30, 2024
(Independent)
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 311
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Tata Kelola Perusahaan • Good Corporate Governance
Jabatan Lain di Periode
Bidang
Nama Jabatan Bank Dasar Pengangkatan Menjabat
Keahlian
Name Position Other Positions in Basis of Appointment Term of
Expertise
the Bank Office
Dharmansyah Anggota Anggota Komite Surat Keputusan Dewan Direksi Keuangan dan 2022-saat ini
Djalins Komite Audit (Pihak No. SKEP.004/DIR/XII/24 tentang Manajemen (Periode Ke-1)
Pemantau Independen) Perubahan Susunan Anggota Komite Risiko 2022-present
Risiko (Pihak Audit Committee Audit tanggal 30 Desember 2024 Finance (1st Term)
Independen) Member Board of Directors Decree No. and Risk
Member (Independent Party) SKEP.004/DIR/XII/24 concerning Management
of the Risk Changes to the Composition of Audit
Monitoring Committee Members dated December
Committee 30, 2024
(Independent)
Joni Swastanto Anggota • Komisaris • Surat Salinan Keputusan Keuangan dan 2022-saat ini
Komite Independen Anggota Dewan Komisioner Manajemen (Periode Ke-2)
Pemantau • Anggota Komite Otoritas Jasa Keuangan No. Risiko 2022-present
Risiko Audit KEP-109/D.03/2022 tanggal 7 Finance (2nd Term)
Member • Independent Juli 2022 tentang Hasil Penilaian and Risk
of the Risk Commissioner Kemampuan dan Kepatutan. Management
Monitoring • Audit Committee • Surat Keputusan Dewan Direksi
Committee Member No. SKEP.005/DIR/XII/24
tentang Perubahan Susunan
Anggota Komite Pemantau Risiko,
tanggal 30 Desember 2024
• Copy of Decision Letter of the
Members of the Financial Services
Authority Board of Commissioners
No. KEP-109/D.03/2022 dated
July 7, 2022, concerning the
Results of the Fit and Proper Test.
• Decree Letter of the Board of
Directors No. SKEP.005/DIR/
XII/24 concerning Changes
to the Composition of the Risk
Monitoring Committee, dated
December 30, 2024
312 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Jabatan Lain di Periode
Bidang
Nama Jabatan Bank Dasar Pengangkatan Menjabat
Keahlian
Name Position Other Positions in Basis of Appointment Term of
Expertise
the Bank Office
Ko Dae Jin Anggota • Komisaris • Surat Salinan Keputusan Keuangan 2024-saat ini
Komite • Anggota Komite Anggota Dewan Komisioner Finance (Periode Ke-1)
Pemantau Remunerasi dan Otoritas Jasa Keuangan No. 2024-present
Risiko Nominasi KEPR-158/D.03/2024 tanggal (1st Term)
Member • Commissioner 5 Desember 2024 tentang
of the Risk • Remuneration Hasil Penilaian Kemampuan dan
Monitoring and Nomination Kepatutan
Committee Committee • Surat Keputusan Dewan Direksi
Member No. SKEP.005/DIR/XII/24
tentang Perubahan Susunan
Anggota Komite Pemantau Risiko,
tanggal 30 Desember 2024
• Surat Keputusan Dewan Direksi
No. SKEP.002/DIR/IV/25 tentang
Perubahan Susunan Anggota
Komite Remunerasi dan Nominasi,
tanggal 22 April 2025
• Copy of Decision Letter of the
Members of the Financial Services
Authority Board of Commissioners
No. KEPR-158/D.03/2024 dated
December 5, 2024, concerning
the Results of the Fit and Proper
Test
• Decree of the Board of Directors
No. SKEP.005/DIR/XII/24
concerning Changes to the
Composition of the Risk Monitoring
Committee, dated December 30,
2024
• Decree Letter of the Board of
Directors No. SKEP.002/DIR/
IV/25 concerning Changes to the
Composition of the Remuneration
and Nomination Committee, dated
April 22, 2025
Profil Keanggotaan Komite Pemantau Risiko Risk Monitoring Committee Membership Profile
Profil ketua dan anggota Komite Pemantau Risiko Bank The profiles of the chairman and members of the Bank's
dapat dilihat pada Bab Profil Perusahaan, sub-bab Profil Risk Monitoring Committee can be found in the Company
Dewan Komisaris serta pada Bab Tata Kelola Perusahaan Profile chapter, sub-chapter on Profile of the Board of
Yang Baik, sub-bab Komite Audit, halaman 289. Commissioners, and in the Good Corporate Governance
chapter, sub-chapter on Audit Committee, page 289.
Periode dan Masa Jabatan Komite Pemantau Risiko Term and Term of Office of the Risk Monitoring
Committee
Periode masa jabatan anggota Komite Pemantau Risiko The term of office of the Risk Monitoring Committee
ditetapkan selaras dengan masa jabatan Dewan Komisaris members is determined in accordance with the term
sebagaimana diputuskan melalui RUPS. Ketentuan ini of office of the Board of Commissioners, as decided by
diterapkan untuk menjaga kesinambungan pelaksanaan the GMS. This provision is implemented to maintain
fungsi pengawasan serta memastikan keselarasan antara the continuity of the implementation of the supervisory
tugas dan tanggung jawab Komite Pemantau Risiko function and to ensure alignment between the duties and
dengan mandat Dewan Komisaris yang berlaku. responsibilities of the Risk Monitoring Committee and the
applicable mandate of the Board of Commissioners.
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Tata Kelola Perusahaan • Good Corporate Governance
Independensi Komite Pemantau Risiko Independence of the Risk Monitoring Committee
Bank memastikan bahwa seluruh anggota Komite The Bank ensures that all members of the Risk Monitoring
Pemantau Risiko memiliki independensi yang diperlukan Committee have the necessary independence to carry
sehingga mampu menjalankan fungsi pengawasan out their supervisory function objectively and free from
secara objektif, dan bebas dari intervensi pihak mana interference from any party. Aspects of the Risk Monitoring
pun. Aspek-aspek independensi Komite Pemantau Risiko Committee's independence, including non-involvement in
termasuk ketidakterlibatan dalam pengambilan keputusan operational decision-making and the absence of financial,
operasional serta tidak adanya hubungan keuangan, managerial, or affiliation relationships with management,
kepengurusan, atau afiliasi dengan manajemen diuraikan are outlined below:
sebagai berikut:
Aspek Independensi Gaguk Dharmansyah Joni
Taufik Hakim Ko Dae Jin
Aspect of Independence Hartadi Djalins Swastanto
Tidak memiliki hubungan keuangan
dengan Dewan Komisaris dan Direksi
Has no financial relationship with √ √ √ √ √
the Board of Directors and Board of
Commissioners.
Tidak memiliki hubungan
kepengurusan di Bank, Entitas Anak,
maupun perusahaan afiliasi
√ √ √ √ √
Has no management relationship
with the Bank, Subsidiaries, or
affiliated companies.
Tidak memiliki hubungan keluarga
dengan Dewan Komisaris, Direksi,
dan/atau sesama anggota Komite
Lainnya
√ √ √ √ √
Has no family relationship with
the Board of Directors, Board of
Commissioners, and/or fellow
Committee.
Tidak menjabat sebagai pengurus
partai politik, pejabat dan pemerintah
Not serving as administrators √ √ √ √ √
of political parties, officials, or
government.
Tugas dan Tanggung Jawab Komite Pemantau Duties and Responsibilities of the Risk Monitoring
Risiko Committee
Komite Pemantau Risiko Bank bertugas memberikan The Bank's Risk Monitoring Committee is tasked with
pandangan dan pendapat profesional atas laporan serta providing professional insights and opinions on reports
berbagai hal strategis yang disampaikan Direksi kepada and various strategic matters submitted by the Board of
Dewan Komisaris, khususnya yang berkaitan dengan Directors to the Board of Commissioners, particularly those
pengelolaan risiko Bank. Selain itu, Komite Pemantau related to the Bank's risk management. In addition, the Risk
Risiko juga berperan dalam mengidentifikasi dan mengkaji Monitoring Committee also plays a role in identifying and
berbagai aspek yang memerlukan perhatian lebih lanjut reviewing various aspects requiring further attention from
dari Dewan Komisaris guna memastikan bahwa kebijakan, the Board of Commissioners to ensure that the Bank's
eksposur risiko, dan strategi pengelolaan risiko Bank tetap policies, risk exposures, and risk management strategies
berada dalam tingkat yang dapat diterima dan selaras remain at acceptable levels and align with the established
dengan profil risiko yang telah ditetapkan, sebagaimana risk profile, as described below:
diuraikan sebagai berikut:
1. Mengadakan rapat sesuai jadwal atau dapat di luar 1. Holding meetings as scheduled or outside the
jadwal yang tetapkan bila perlu. established schedule if necessary.
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Tata Kelola Perusahaan • Good Corporate Governance
2. Melakukan pemantauan dan evaluasi atas 2. Monitoring and evaluating the planning and
perencanaan dan pelaksanaan kebijakan manajemen implementation of risk management policies and the
risiko serta pemantauan atas tindak lanjut setiap follow-up to each assessment of risk management
penilaian prosedur dan kebijakan manajemen risiko procedures and policies to assess the adequacy of
dalam rangka menilai kecukupan pengendalian risiko banking risk controls in relation to internal control and
perbankan dalam kaitannya dengan pengendalian their relationship with other banking functions.
internal dan keterkaitannya dengan fungsi perbankan
lainnya.
3. Memberikan rekomendasi kepada Dewan Komisaris 3. Providing recommendations to the Board of
dengan melakukan: Commissioners by:
a. Evaluasi tentang kesesuaian antara kebijakan a. Evaluating the alignment between risk
manajemen risiko dengan pelaksanaan kebijakan management policies and their implementation;
tersebut;
b. Kesesuaian antara setiap perencanaan dan b. Consistency between each organizational plan
pengendalian organisasi terhadap kebijakan and control with risk management policies; and
manajemen risiko; serta
c. Pemantauan dan evaluasi pelaksanaan tugas c. Monitoring and evaluating the implementation of
Satuan Kerja Manajemen Risiko. the Risk Management Work Unit's duties.
4. Membuat dan menyampaikan laporan kepada Dewan 4. Prepare and submit reports to the Board of
Komisaris: Commissioners:
a. Laporan atas setiap penugasan yang diberikan; a. Reports on each assigned assignment; and
serta
b. Laporan berkala pelaksanaan kegiatan Komite b. Periodic reports on the implementation of the
Pemantau Risiko. Risk Monitoring Committee's activities.
Wewenang Komite Pemantau Risiko Authorities of the Risk Monitoring Committee
Dalam menjalankan tugas dan tanggung jawabnya, Komite In carrying out its duties and responsibilities, the Risk
Pemantau Risiko memiliki sejumlah kewenangan untuk: Monitoring Committee has the following authorities:
1. Mengakses dokumen, data, dan informasi tentang 1. Access necessary documents, data, and information
karyawan, dana, aset, dan sumber daya perusahaan regarding employees, funds, assets, and company
yang diperlukan; resources;
2. Berkomunikasi langsung dengan karyawan, termasuk 2. Communicate directly with employees, including
Direksi dan pihak yang menjalankan fungsi manajemen the Board of Directors, and parties performing risk
risiko terkait tugas dan tanggung jawab Komite management functions regarding the duties and
Pemantau Risiko; responsibilities of the Risk Monitoring Committee;
3. Melibatkan pihak independen di luar anggota Komite 3. Involve independent parties other than the Risk
Pemantau Risiko yang diperlukan untuk membantu Monitoring Committee members as needed to assist
pelaksanaan tugasnya (jika diperlukan); serta in carrying out its duties (if necessary); and
4. Melakukan kewenangan lain yang diberikan oleh 4. Exercise other authorities granted by the Board of
Dewan Komisaris. Commissioners.
Rapat Komite Pemantau Risiko Risk Monitoring Committee Meetings
Kebijakan Rapat Meeting Policy
Komite Pemantau Risiko menyelenggarakan rapat secara The Risk Monitoring Committee holds regular meetings
berkala paling sedikit 1 (satu) kali dalam 1 (satu) bulan. at least once a month. Meetings are considered valid and
Rapat dinyatakan sah dan dapat mengambil keputusan may make decisions if attended by at least 51% (fifty-one
apabila dihadiri oleh sedikitnya 51% (lima puluh satu percent) of the Risk Monitoring Committee members.
persen) dari jumlah anggota Komite Pemantau Risiko. This provision is established to ensure the availability
Ketentuan ini ditetapkan guna memastikan tersedianya of an adequate evaluation forum for the Risk Monitoring
forum evaluasi yang memadai bagi Komite Pemantau Committee in carrying out its monitoring function regarding
Risiko dalam menjalankan fungsi pengawasan terhadap the Bank's risk management implementation effectively and
penerapan manajemen risiko Bank secara efektif dan sustainably.
berkesinambungan.
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Tata Kelola Perusahaan • Good Corporate Governance
Frekuensi dan Tingkat Kehadiran Anggota Komite Frequency and Attendance of Committee Members
dalam Rapat at Meetings
Sepanjang tahun 2025, Komite Pemantau Risiko telah Throughout 2025, the Risk Monitoring Committee held 12
melaksanakan rapat sebanyak 12 (dua belas) kali dengan (twelve) meetings with the following attendance levels:
tingkat kehadiran sebagai berikut:
Persentase Kehadiran
Nama Jabatan Kehadiran Rapat Jumlah Rapat
Percentage of
Name Position Meeting Attendance Number of Meetings
Attendance
Taufik Hakim Ketua Komite Pemantau
Risiko
12 12 100%
Chairman of the Risk
Monitoring Committee
Gaguk Hartadi Anggota Komite
Pemantau Risiko
12 12 100%
Member of the Risk
Monitoring Committee
Dharmansyah Djalins Anggota Komite
Pemantau Risiko
12 12 100%
Member of the Risk
Monitoring Committee
Joni Swastanto Anggota Komite
Pemantau Risiko
11 12 91,7%
Member of the Risk
Monitoring Committee
Ko Dae Jin Anggota Komite
Pemantau Risiko
11 12 91,7%
Member of the Risk
Monitoring Committee
Agenda Rapat Meeting Agenda
Tanggal Agenda Rapat Peserta Rapat
No.
Date Meeting Agenda Meeting Participants
1. 30 Januari 2025 Laporan Kondisi Terkini Total Manajemen Risiko (TW4 • Taufik Hakim
January 30, 2025 - 2024) • Gaguk Hartadi
Total Risk Management Current State Report (Q4 - • Dharmansyah Djalins
2024) • Joni Swastanto
• Ko Dae Jin
2. 24 Februari 2025 • IT Application Architechture • Taufik Hakim
February 24, 2025 • IT Security Architechture • Gaguk Hartadi
• Rencana Dasar Manajemen Risiko 2025 • Dharmansyah Djalins
• IT Application Architecture • Joni Swastanto
• IT Security Architecture • Ko Dae Jin
• 2025 Risk Management Basic Plan
3. 24 Maret 2025 • Strategi Mitigasi Risiko Liquiditas dan Pasar • Taufik Hakim
March 24, 2025 • Climate Risk Management & Scenario Analysis • Gaguk Hartadi
• Liquidity and Market Risk Mitigation Strategy • Dharmansyah Djalins
• Climate Risk Management & Scenario Analysis • Joni Swastanto
• Ko Dae Jin
4. 28 April 2025 • Top 20 Debtors • Taufik Hakim
April 28, 2025 • Credit Recovery Situasion • Gaguk Hartadi
• Top 20 Debtors • Dharmansyah Djalins
• Credit Recovery Situation • Joni Swastanto
• Ko Dae Jin
316 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 317
Tata Kelola Perusahaan • Good Corporate Governance
Tanggal Agenda Rapat Peserta Rapat
No.
Date Meeting Agenda Meeting Participants
5. 27 Mei 2025 • Perkembangan Produk Baru atau Aktivitas Baru • Taufik Hakim
May 27, 2025 • Laporan Total Risk Management TW 1 – 2025 • Gaguk Hartadi
• New Product Developments or New Activities • Dharmansyah Djalins
• Total Risk Management Report Q1 – 2025 • Joni Swastanto
• Ko Dae Jin
6. 19 Juni 2025 Laporan Manajemen Risiko Iklim 2025: Progres atas • Taufik Hakim
June 19, 2025 Penilaian Kualitatif • Gaguk Hartadi
Climate Risk Management Report 2025: Progress on • Dharmansyah Djalins
Qualitative Assessment • Joni Swastanto
• Ko Dae Jin
7. 25 Juli 2025 • Performa Produk dan Fitur Produk • Taufik Hakim
July 25, 2025 • RCSA & KRI Evaluation 1st Half Semester • Gaguk Hartadi
• Laporan Kondisi Terkini Total Manajemen Risiko • Dharmansyah Djalins
(TW2 - 2025) • Joni Swastanto
• Product Performance and Product Features • Ko Dae Jin
• RCSA & KRI Evaluation for the First Half
• Total Risk Management Update (Q2 - 2025)
8. 27 Agustus 2025 CRMS Report of Bank IBK Indonesia • Taufik Hakim
August 27, 2025 CRMS Report of Bank IBK Indonesia • Gaguk Hartadi
• Dharmansyah Djalins
• Joni Swastanto
• Ko Dae Jin
9. 29 September 2025 Stres Testing Kredit, Liquiditas dan Pasar Terhadap • Taufik Hakim
September 29, 2025 Permodalan Juni 2025 • Gaguk Hartadi
Credit, Liquidity, and Market Stress Testing of Capital, • Dharmansyah Djalins
June 2025 • Joni Swastanto
• Ko Dae Jin
10. 24 Oktober 2025 • Cadangan Kerugian Penurunan Nilai • Taufik Hakim
October 24, 2025 • Tinjauan Tahunan Atas Pernyataan Selera Risiko • Gaguk Hartadi
Bank • Dharmansyah Djalins
• Allowance for Impairment Losses • Joni Swastanto
• Annual Review of the Bank's Risk Appetite • Ko Dae Jin
Statement
11. 21 November 2025 • Laporan Rencana Aksi Pemulihan Bank IBK • Taufik Hakim
November 21, 2025 Indonesia Tahun 2025 • Gaguk Hartadi
• Laporan Kondisi Terkini Total Manajemen Risiko • Dharmansyah Djalins
(TW3 - 2025) • Joni Swastanto
• Bank IBK Indonesia's Recovery Action Plan Report • Ko Dae Jin
for 2025
• Total Risk Management Update (Q3 - 2025)
12. 17 Desember 2025 • Hasil Penilaian Keamanan dan Ketahanan Siber • Taufik Hakim
December 17, 2025 Bank IBK Indonesia Tahun 2025 • Gaguk Hartadi
• Hasil Penilaian Kematangan Digital Bank IBK • Dharmansyah Djalins;
Indonesia Tahun 2025 • Ko Dae Jin
• Bank IBK Indonesia's Cybersecurity and Resilience
Assessment Results for 2025
• Bank IBK Indonesia's Digital Maturity Assessment
Results for 2025
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 317
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Tata Kelola Perusahaan • Good Corporate Governance
Program Pengembangan Kompetensi Komite Risk Monitoring Committee Competency
Pemantau Risiko Tahun 2025 Development Program in 2025
Perseroan berkomitmen untuk meningkatkan efektivitas The Company is committed to improving the effectiveness
pengawasan Komite Pemantau Risiko dengan mendorong of the Risk Monitoring Committee’s oversight by
seluruh anggota berpartisipasi aktif dalam berbagai encouraging all members to actively participate in various
program pengembangan kompetensi, termasuk workshop, competency development programs, including workshops,
seminar, dan sertifikasi profesional. Sepanjang tahun seminars, and professional certification. Throughout 2025,
2025, anggota Komite telah mengikuti berbagai kegiatan Committee members participated in various educational
pendidikan dan pelatihan, antara lain: and training activities, including:
Jenis Pelatihan dan Materi
Posisi di
Pengembangan Kompetensi Waktu
Nama Komite Penyelenggara
No atau Pelatihan Pelaksanaan
Name Position in the Organizer
Types of Training and Competency Event Date
Committee
Development or Training Materials
1. Taufik Hakim Ketua Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Chairman Pengembangan Kompetensi Dewan Komisaris, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Commissioners in this annual report.
2. Ko Dae Jin Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Member Pengembangan Kompetensi Dewan Komisaris, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Commissioners in this annual report.
3. Joni Swastanto Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Member Pengembangan Kompetensi Dewan Komisaris, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Commissioners in this annual report.
4. Dharmansyah Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Djalins Member Pengembangan Kompetensi Komite Audit, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Audit Committe in this annual report.
5. Gaguk Hartadi Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Member Pengembangan Kompetensi Komite Audit, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Audit Committe in this annual report.
Laporan Pelaksanaan Tugas Komite Pemantau 2025 Risk Monitoring Committee Duties
Risiko Tahun 2025 Implementation Report
Pada tahun 2025, Komite Pemantau Risiko telah In 2025, the Risk Monitoring Committee submitted a report
menyampaikan laporan pelaksanaan tugas dan tanggung on the implementation of its duties and responsibilities to
jawabnya kepada Dewan Komisaris, sekaligus memberikan the Board of Commissioners, while also providing a number
sejumlah rekomendasi strategis, antara lain terkait: of strategic recommendations, including:
1. Laporan Profil Risiko; 1. Risk Profile Report;
2. 20 Debitur Terbesar; 2. 20 Largest Debtors;
3. Laporan CRMS (Manajemen Risiko Iklim & Analisis 3. Bank IBK Indonesia's CRMS (Climate Risk
Skenario) Bank IBK Indonesia; Management & Scenario Analysis) Report;
4. Laporan Rencana Pemulihan Bank IBK Indonesia; 4. Bank IBK Indonesia's Recovery Plan Report; and
serta
5. Evaluasi KRI dan RCSA. 5. Evaluation of KRI and RCSA.
318 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Komite-Komite di Bawah Direksi
Committees under the Board of Directors
Dalam menjalankan mandatnya, Direksi didukung oleh In carrying out its mandate, the Board of Directors is
komite-komite strategis yang berperan penting dalam supported by strategic committees that play a crucial role
memastikan setiap keputusan dan langkah operasional in ensuring that every operational decision and step is
dijalankan secara efektif dan selaras dengan arah strategis executed effectively and aligned with the Bank's strategic
Bank. Komite-komite di bawah Direksi memiliki fokus direction. These committees under the Board of Directors
khusus yang saling melengkapi, antara lain Komite Aset- have specific, complementary focuses, including the
Liability (ALCO), Komite Manajemen Risiko, Komite Asset-Liability Committee (ALCO), the Risk Management
Pengarah Teknologi Informasi, dan Komite Kredit. Committee, the Information Technology Steering
Committee, and the Credit Committee.
Secara umum ALCO bertugas mengawal alokasi aset dan Generally, the ALCO is tasked with overseeing the Bank's
manajemen risiko keuangan Bank, Komite Manajemen asset allocation and financial risk management. The Risk
Risiko berperan memastikan setiap potensi risiko Management Committee ensures that all potential risks
diidentifikasi dan diminimalkan, serta Komite Pengarah are identified and minimized. The Information Technology
Teknologi Informasi bertanggung jawab untuk mendorong Steering Committee is responsible for encouraging digital
inovasi digital sekaligus menjaga keamanan sistem, innovation while maintaining system security. The Credit
sementara Komite Kredit menegaskan kualitas portofolio Committee ensures portfolio quality through prudent credit
melalui pengelolaan kebijakan kredit yang prudent. policy management.
Sinergi antara Direksi dan komite-komite ini membentuk The synergy between the Board of Directors and these
mekanisme pengambilan keputusan yang komprehensif, committees establishes a comprehensive decision-making
dari perumusan strategi hingga penilaian kinerja, sekaligus mechanism, from strategy formulation to performance
menjaga operasional Bank tetap efisien, transparan, dan assessment, while ensuring the Bank's operations remain
sesuai prinsip GCG. Kehadiran struktur ini memperkuat efficient, transparent, and compliant with GCG principles.
fondasi Bank dalam mencapai pertumbuhan berkelanjutan This structure strengthens the Bank's foundation for
dan menghadirkan nilai tambah yang konsisten bagi achieving sustainable growth and delivering consistent
pemegang saham serta seluruh pemangku kepentingan. added value to shareholders and all stakeholders.
Komite Asset-Liability (“ALCO”) Asset-Liability Committee (“ALCO”)
ALCO berperan sebagai komite strategis Direksi dalam The ALCO serves as a strategic committee under the
mengelola keseimbangan antara aset dan kewajiban Bank, Board of Directors, managing the balance between the
dalam konteks manajemen risiko keuangan. Komite ini Bank's assets and liabilities within the context of financial
bertugas memastikan ketersediaan likuiditas yang memadai, risk management. This committee is tasked with ensuring
mengelola risiko suku bunga, serta mengoptimalkan adequate liquidity, managing interest rate risk, and
penggunaan aset dan kewajiban agar selaras dengan optimizing the use of assets and liabilities to align with the
tujuan keuangan Bank. Bank's financial objectives.
Dengan landasan peran tersebut, ALCO juga memiliki Based on this role, ALCO also has the authority to make
kewenangan untuk mengambil keputusan strategis precise strategic decisions so that all of the Bank's
yang presisi sehingga setiap sumber daya Bank dapat resources are optimally utilized. This approach not
dimanfaatkan secara optimal. Pendekatan ini tidak hanya only supports sustainable profitability growth but also
mendukung pertumbuhan profitabilitas yang berkelanjutan, strengthens overall financial stability.
tetapi juga memperkuat stabilitas keuangan secara
menyeluruh.
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Tata Kelola Perusahaan • Good Corporate Governance
Untuk mewujudkan tujuan tersebut, ALCO secara rutin To achieve this goal, ALCO routinely conducts
melakukan evaluasi menyeluruh terhadap kinerja aset comprehensive evaluations of the Bank's asset and
dan liabilitas Bank, memantau dinamika pasar, serta liability performance, monitors market dynamics, and takes
mengambil langkah-langkah strategis untuk mengelola strategic steps to manage risks arising from interest rate
risiko yang muncul dari perubahan suku bunga, fluktuasi changes, exchange rate fluctuations, and other financial
nilai tukar, dan faktor-faktor keuangan lainnya. Dengan factors. With a proactive and integrated approach, ALCO
pendekatan proaktif dan terintegrasi, ALCO memastikan ensures optimal financial balance is maintained, while
keseimbangan keuangan Bank terjaga secara optimal, supporting decision-making that strengthens stability,
sekaligus mendukung pengambilan keputusan yang operational efficiency, and the achievement of long-term
mampu memperkuat stabilitas, efisiensi operasional, dan profitability targets.
pencapaian target profitabilitas jangka panjang.
Pedoman Kerja ALCO ALCO Charter
Direksi Bank telah menetapkan Pedoman dan Tata Tertib The Bank's Board of Directors established the Asset and
Kerja Komite Aset dan Liabilitas (ALCO) pada tanggal 23 Liability Committee (ALCO) Charter on July 23, 2024,
Juli 2024 yang secara garis besar mengatur hal-hal terkait which broadly regulate matters related to the scope of
ruang lingkup tugas, dasar hukum, struktur organisasi dan duties, legal basis, organizational structure and authority
kewenangan Komite ALCO, serta tata tertib pelaksanaan of the ALCO Committee, as well as meeting procedures
rapat dan mekanisme pengambilan keputusan. Dengan and decision-making mechanisms. With these guidelines,
adanya pedoman ini, pelaksanaan fungsi ALCO berjalan the ALCO's functions are implemented in a structured,
secara terstruktur, konsisten, dan sesuai dengan prinsip consistent manner, and in accordance with the principles
tata kelola yang baik. of good governance.
Struktur dan Keanggotaan ALCO ALCO Structure and Membership
Pembentukan ALCO mengacu pada Surat Keputusan The formation of the ALCO refers to Board of Directors
Direksi No. SKEP.003/DIR/VII/2024 tentang Susunan Decree No. SKEP.003/DIR/VII/2024 concerning the
Komite Aset dan Liabilitas (ALCO) untuk menetapkan Composition of the Asset and Liability Committee (ALCO),
keanggotaan Komite Aset dan Liabilitas (ALCO), dengan which determines the membership of the Asset and Liability
komposisi keanggotaan sebagai berikut: Committee (ALCO), with the following membership
composition:
Jabatan di Komite
Anggota Komite
Position in the
Member of the Committee
Committee
Ketua Direktur Utama
Chairman President Director
Sekretaris 1 Group Head Finance (merangkap anggota)
Secretary 1 Group Head Finance (concurrently member)
Sekretaris 2 Kepala Divisi Treasury (merangkap anggota)
Secretary 2 Head of Treasury Division (concurrently a member)
Anggota • Direktur yang Membidangi Bisnis • Director in Charge of Business
Members • Direktur yang Membidangi Kredit • Director in Charge of Credit
• Direktur yang Membidangi Operasional dan IT • Director in Charge of Operations and IT
• Direktur yang Membidangi Kepatuhan • Director in Charge of Compliance
• Kepala Divisi Financial Planning, Accounting & • Head of Financial Planning, Accounting &
Reporting Reporting Division
• Kepala Divisi Risk Management • Head of Risk Management Division
• Kepala Divisi Strategic Planning • Head of Strategic Planning Division
• Kepala Divisi Corporate Banking 1, 2 & 3 • Head of Corporate Banking Divisions 1, 2 & 3
• Kepala Divisi International Banking • Head of International Banking Division
320 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Periode dan Masa Jabatan ALCO ALCO Term and Term of Office
Masa tugas anggota ALCO mengikuti periode jabatan The term of office of ALCO members follows the term
Direksi, sebagaimana ditetapkan oleh RUPS. Penyesuaian of office of the Board of Directors, as determined by the
ini memastikan kontinuitas pengambilan keputusan GMS. This adjustment ensures continuity of strategic
strategis serta konsistensi dalam pengelolaan aset dan decision-making and consistency in the management of
liabilitas Bank. the Bank’s assets and liabilities.
Independensi ALCO ALCO Independence
Bank menjamin bahwa seluruh anggota ALCO memiliki The Bank ensures that all ALCO members have the
independensi yang diperlukan untuk menjalankan fungsi independence necessary to carry out their functions
mereka secara objektif, tanpa dipengaruhi oleh pihak objectively, without influence from any party. Furthermore,
manapun. Selain itu, anggota ALCO dipilih berdasarkan ALCO members are selected based on their relevant
keahlian dan pengalaman yang relevan dalam pengelolaan expertise and experience in asset and liability management,
aset dan liabilitas, sehingga setiap keputusan yang diambil ensuring that every decision they make reflects professional
mencerminkan pertimbangan profesional dan berdampak judgment and has an optimal impact on the Bank’s financial
optimal bagi stabilitas dan kinerja keuangan Bank. stability and performance.
Tugas dan Tanggung Jawab ALCO ALCO Duties and Responsibilities
Tugas dan tanggung jawab ALCO ditetapkan sebagai The ALCO’s duties and responsibilities are as follows:
berikut:
1. Mengevaluasi perkembangan pasar, baik global 1. Evaluating market developments, both global and
maupun domestik, melalui tinjauan ekonomi terakhir; domestic, through the latest economic review;
2. Mengevaluasi pengelolaan likuiditas melalui 2. Evaluating liquidity management through managing
pengelolaan sumber dan penggunaan dana; sources and use of funds;
3. Mengevaluasi posisi risiko suku bunga dan strategi 3. Evaluating the interest rate risk position and ALMA
ALMA (Asset and Liabilities Management); (Asset and Liabilities Management) strategies;
4. Memutuskan strategi harga (pricing), baik sisi aktiva 4. Deciding on a pricing strategy, both on asset and
maupun pasiva, untuk memastikan bahwa pricing liability side, to ensure that pricing can optimize
tersebut dapat mengoptimalkan hasil penanaman investment results, minimize cost of funds, and
dana, meminimumkan biaya dana, dan memelihara maintain balance sheet structure;
struktur neraca;
5. Memutuskan suku bunga antar kantor selain sebagai 5. Deciding inter-office interest rates, in addition to being
alat pricing juga merupakan strategi untuk mendorong a pricing tool, is also a strategy to encourage branches
cabang dalam mencari DPK sendiri (borrower) to seek their own Third-Party Funds (borrowers) or
atau menggairahkan cabang untuk meningkatkan encourage branches to increase their loans growth
pertumbuhan kreditnya (lender); (lenders);
6. Mengevaluasi apakah tingkat likuiditas Bank telah 6. Evaluating whether the Bank’s liquidity level can be
dapat dicapai secara optimal dengan tingkat biaya achieved optimally at an acceptable cost level;
yang acceptable;
7. Merekomendasikan perencanaan keuangan tahunan 7. Recommending annual financial planning in the form
berupa asumsi-asumsi dasar, baik yang berupa angka- of basic assumptions of Bank Indonesia economic
angka indikator ekonomi Bank Indonesia maupun rasio indicator figures and banking financial ratios in general
keuangan perbankan pada umumnya (peer’s bank); (peer’s banks);
8. Mengevaluasi proyeksi perhitungan liquidity gap 8. Evaluating the projected liquidity gap analysis
analysis; serta calculation; and
9. Mengevaluasi hasil stress test dari Manajemen Risiko 9. Evaluating stress test results from the Risk Management
terhadap Asset dan Liability akibat perubahan- on Assets and Liabilities due to changes in interest
perubahan suku bunga dan kurs valuta asing di rates and foreign exchange rates on the market, in the
pasar jika memang hasil stress test tersebut dapat event the stress test results could potentially harm the
membahayakan likuiditas Bank. Bank’s liquidity.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 321
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Tata Kelola Perusahaan • Good Corporate Governance
Kebijakan Rapat dan Pelaksanaan Tugas ALCO ALCO Meeting Policy and Implementation of Duties
Tahun 2025 in 2025
Rapat ALCO wajib diselenggarakan sekurang-kurangnya 1 ALCO meetings must be held at least once a month. In
(satu) kali setiap bulan. Selaras dengan kebijakan tersebut, accordance with this policy, ALCO has held 12 (twelve)
ALCO telah melaksanakan rapat sebanyak 12 (dua belas) meetings in 2025, with a quorum of at least 50%
kali pada tahun 2025, dengan kuorum rapat tercapai attendance, or attendance by two-thirds of the Committee
minimal 50% kehadiran atau dihadiri oleh 2/3 anggota members.
Komite.
Sepanjang tahun 2025, agenda rapat mencerminkan Throughout 2025, the meeting agenda reflected the
pelaksanaan tugas ALCO dalam mengelola risiko dan implementation of ALCO’s duties in managing risk and
menyusun strategi keuangan, yang meliputi: developing financial strategies, including:
1. Strategi pengelolaan likuiditas beserta rencana 1. Liquidity management strategy and liquidity
kontinjensi likuiditas (jika diperlukan); contingency plans (if necessary);
2. Menentukan pricing terkait suku bunga dan tidak 2. Determining interest rate pricing, including but not
terbatas pada pricing bunga antar kantor (RAK/FTP), limited to inter-office interest rates (RAK/FTP), special
Spesial Rate DPK, dan lainnya; rates for third-party funds (DPK), and others;
3. Eksposur risiko likuiditas; 3. Liquidity risk exposure;
4. Mismatch durasi antara aset dan liabilitas; 4. Duration mismatch between assets and liabilities;
5. Analisis pesaing dan perkembangan kondisi pasar 5. Competitor analysis and current market conditions;
terkini; serta and
6. Hal-hal lain yang dipandang perlu untuk dibahas pada 6. Other matters deemed necessary for discussion at
rapat Komite ALCO. ALCO Committee meetings.
Program Pengembangan Kompetensi ALCO Tahun ALCO Competency Development Program for 2025
2025
Dalam rangka meningkatkan kualitas pengambilan To improve the quality of decision-making aligned with
keputusan yang selaras dengan profil risiko dan strategi the Bank’s risk profile and asset-liability management
pengelolaan aset-liabilitas Bank, anggota ALCO secara strategy, ALCO members regularly participate in education
berkala mengikuti program pendidikan dan pelatihan and training programs relevant to banking industry
yang relevan dengan perkembangan industri perbankan developments and market dynamics. Throughout 2025,
dan dinamika pasar. Sepanjang tahun 2025, program the competency development programs participated in by
pengembangan kompetensi yang diikuti oleh anggota ALCO members include:
ALCO meliputi:
Jenis Pelatihan dan Materi
Posisi di
Pengembangan Kompetensi atau Waktu
Nama Komite Penyelenggara
No Pelatihan Pelaksanaan
Name Position in the Organizer
Types of Training and Competency Event Date
Committee
Development or Training Materials
1. Oh In Taek Ketua Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Chairman Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Directors in this annual report.
2 Kim Kihyun Sekretaris 1 Kursus Bahasa Indonesia 1 September 2025 Bank IBK Indonesia
Secretary 1 Indonesian Language Course September 1, 2025
3 Lee Sekretaris 1 Seminar Menuju Indonesia Emas dan 24 Januari 2025 Ali An Sun Geun
Seongyoon Secretary 1 Koordinasi Kerja Tahunan January 24, 2025
Seminar on "Towards a Golden Indonesia"
and Annual Work Coordination
Sosialisasi dan Edukasi terkait Pasar Modal 1 Juli 2025 KISI & Bank IBK
untuk Karyawan IBK Indonesia July 1, 2025 Indonesia
Socialization and Education regarding
Capital Markets for IBK Indonesia Employees
322 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Jenis Pelatihan dan Materi
Posisi di
Pengembangan Kompetensi atau Waktu
Nama Komite Penyelenggara
No Pelatihan Pelaksanaan
Name Position in the Organizer
Types of Training and Competency Event Date
Committee
Development or Training Materials
4. Aa Ananda Sekretaris 2 Refreshment Treasuri Jenjang 6 17 Januari 2025 ACI FMA
Krishna Secretary 2 Treasury Refreshment Level 6 January 17, 2025
Seminar Menuju Indonesia Emas dan 24 Januari 2025 Ali An Sun Geun
Koordinasi Kerja Tahunan January 24, 2025
Seminar on "Towards a Golden Indonesia"
and Annual Work Coordination
Strategic Execution Leadership Training 24 Mei 2025 MSCO
Batch I May 24, 2025
Sosialisasi dalam Rangka Penguatan 1 Oktober 2025 Bank Indonesia
Transaksi Pasar Uang dan Pasar Valuta October 1, 2025
Asing (PUVA)
Socialization to Strengthen Money Market
and Foreign Exchange Market Transactions
(PUVA)
5 Handry Husein Anggota Seminar Menuju Indonesia Emas dan 24 Januari 2025 Ali An Sun Geun
Member Koordinasi Kerja Tahunan January 24, 2025
Seminar on "Towards a Golden Indonesia"
and Annual Work Coordination
Strategic Execution Leadership Training 24 Mei 2025 MSCO
Batch I May 24, 2025
Sosialisasi dan Edukasi terkait Pasar Modal 1 Juli 2025 KISI & Bank IBK
untuk Karyawan IBK Indonesia July 1, 2025 Indonesia
Capital Market Socialization and Education
for IBK Indonesia Employees
6 Jung You Jin Anggota Seminar Menuju Indonesia Emas dan 24 Januari 2025 Ali An Sun Geun
Member Koordinasi Kerja Tahunan January 24, 2025
Seminar on "Towards a Golden Indonesia"
and Annual Work Coordination
Pelatihan "Dengan pelanggan, kepercayaan, 1 April 2025 IBK Korea
dan tanggung jawab, semangat dan inovasi, April 1, 2025
komunikasi dan kerja sama tim"
"With Customers, Trust, and Responsibility,
Passion and Innovation, Communication and
Teamwork" Training
Sosialisasi dan Edukasi terkait Pasar Modal 1 Juli 2025 KISI & Bank IBK
untuk Karyawan IBK Indonesia July 1, 2025 Indonesia
Capital Market Socialization and Education
for IBK Indonesia Employees
7 Park Jinwook Anggota Seminar Menuju Indonesia Emas dan 24 Januari 2025 Ali An Sun Geun
Member Koordinasi Kerja Tahunan January 24, 2025
Seminar on "Towards a Golden Indonesia"
and Annual Work Coordination
Pelatihan "Dengan pelanggan, kepercayaan, 1 April 2025 IBK Korea
dan tanggung jawab, semangat dan inovasi, April 1, 2025
komunikasi dan kerja sama tim"
Training "With Customers, Trust, and
Responsibility, Passion and Innovation,
Communication and Teamwork"
8 Probo Anggota Seminar Menuju Indonesia Emas dan 24 Januari 2025 Ali An Sun Geun
Abhirama Member Koordinasi Kerja Tahunan January 24, 2025
Seminar on "Towards a Golden Indonesia"
and Annual Work Coordination
Sosialisasi Launching QRIS Pada 1 Februari 2025 Bank IBK Indonesia
M-Banking Bank IBK Indonesia February 1, 2025
QRIS Launch Socialization for Bank IBK
Indonesia's Mobile Banking
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 323
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Tata Kelola Perusahaan • Good Corporate Governance
Jenis Pelatihan dan Materi
Posisi di
Pengembangan Kompetensi atau Waktu
Nama Komite Penyelenggara
No Pelatihan Pelaksanaan
Name Position in the Organizer
Types of Training and Competency Event Date
Committee
Development or Training Materials
Sosialisasi Credit Rating, Credit Analysis, 1 Mei 2025 Bank IBK Indonesia
Credit Process dan Credit Monitoring May 1, 2025
Information Dissemmination on Credit Rating,
Credit Analysis, Credit Process, and Credit
Monitoring
Refreshment Sertifikasi Manajemen Risiko 1 Mei 2025 LPK Praveena
Jenjang 5 May 1, 2025
Level 5 Risk Management Certification
Refreshment
Strategic Execution Leadership Training 24 Mei 2025 MSCO
Batch I May 24, 2025
9. Robert Olof Anggota Seminar Menuju Indonesia Emas dan 24 Januari 2025 Ali An Sun Geun
Member Koordinasi Kerja Tahunan January 24, 2025
Seminar on "Towards a Golden Indonesia"
and Annual Work Coordination
Pelatihan "Climate Risk Management & 29 April 2025 KeyPro Consulting
Scenario Analyst (CRMS)" April 29, 2025
Climate Risk Management & Scenario
Analyst (CRMS) Training
Training PSAK 71 Internal 1 Mei 2025 Bank IBK Indonesia
Internal PSAK 71 Training May 1, 2025
Strategic Execution Leadership Training 24 Mei 2025 MSCO
Batch I May 24, 2025
Training Climate Risk Stress Testing 1 Juli 2025 Justitia Learning
Climate Risk Stress Testing Training July 1, 2025 Center
10. Sigit Indra Anggota Seminar Menuju Indonesia Emas dan 24 Januari 2025 Ali An Sun Geun
Pamungkas Member Koordinasi Kerja Tahunan January 24, 2025
Seminar on “Towards a Golden Indonesia”
and Annual Work Coordination
Training dan Ujian Chartered Accountant 1 Februari 2025 UI
Chartered Accountant February 1, 2025
Training and Exam
Strategic Execution Leadership Training 24 Mei 2025 MSCO
Batch I May 24, 2025
Sosialisasi dan Edukasi terkait Pasar Modal 1 Juli 2025 KISI & Bank IBK
untuk Karyawan IBK Indonesia July 1, 2025 Indonesia
Capital Market Socialization and Education
for IBK Indonesia Employees
Training Ketentuan Umum Pelaporan Bank 1 November 2025 LPS
pada LPS November 1, 2025
Training on General Provisions for Bank
Reporting to the Deposit Insurance
Corporation (LPS)
Internal Control Over Financial Reporting 1 Desember 2025 Bank IBK Indonesia
December 1, 2025
Refreshment Sertifikasi Manajemen Risiko 26 Agustus 2025 KeyPro Consulting
Jenjang 6 August 26, 2025
Risk Management Certification Refreshment
Levels 6
11. Yuda Adrian Anggota Seminar Menuju Indonesia Emas dan 24 Januari 2025 Ali An Sun Geun
Member Koordinasi Kerja Tahunan January 24, 2025
Seminar on “Towards a Golden Indonesia”
and Annual Work Coordination
324 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 325
Tata Kelola Perusahaan • Good Corporate Governance
Jenis Pelatihan dan Materi
Posisi di
Pengembangan Kompetensi atau Waktu
Nama Komite Penyelenggara
No Pelatihan Pelaksanaan
Name Position in the Organizer
Types of Training and Competency Event Date
Committee
Development or Training Materials
Sosialisasi Pp No 8 Tahun 2025 Tentang 1 Februari 2025 OJK Institute
Dhe Dari Kegiatan Perusahaan, Pengelolaan, February 1, 2025
Dan/Atau Pengelolaan Sda
Information Dissemination on Government
Regulation No. 8 of 2025 Concerning
the Protection of Company Activities,
Management, and/or Provision of Natural
Resources
Refreshment Jenjang 5 Sertifikasi 1 April 2025 LPK Praveena
Manajemen Risiko (SMR) April 1, 2025
Level 5 Risk Management Certification
(SMR)
Strategic Execution Leadership Training 24 Mei 2025 MSCO
Batch I May 24, 2025
Refreshment
Strategic Execution Leadership Training
Batch I
12. Park Jin Je Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Member Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Directors in this annual report.
13. Alexander Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Frans Rori Member Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Directors in this annual report.
14. Andreas Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Mikhael Member Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
Sumual List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Directors in this annual report.
15. Edwin Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Rudianto Member Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Directors in this annual report.
Komite Manajemen Risiko Risk Management Committee
Komite Manajemen Risiko merupakan komite di bawah The Risk Management Committee is a committee under
Direksi yang memegang peran sentral dalam memastikan the Board of Directors that plays a central role in ensuring
seluruh aktivitas Bank berada dalam koridor manajemen that all Bank activities are within a sound and measurable
risiko yang sehat dan terukur. Komite ini mengawal risk management framework. This committee oversees the
penerapan kerangka manajemen risiko melalui proses implementation of the risk management framework through
identifikasi, pengukuran, pemantauan, dan mitigasi atas the identification, measurement, monitoring, and mitigation
seluruh jenis risiko yang melekat pada kegiatan usaha of all types of risks inherent in the Bank’s business activities.
Bank. Risiko-risiko tersebut mencakup risiko kredit, risiko These risks include credit risk, market risk, liquidity risk,
pasar, risiko likuiditas, risiko operasional, serta risiko operational risk, strategic and compliance risks, ensuring
strategis dan kepatuhan, sehingga setiap keputusan bisnis that every Bank business decision is always made with
Bank senantiasa diambil dengan pertimbangan risiko yang careful consideration of risk.
matang.
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Tata Kelola Perusahaan • Good Corporate Governance
Pedoman Kerja Komite Manajemen Risiko Risk Management Committee Charter
Direksi menetapkan Pedoman dan Tata Tertib Komite The Board of Directors established the Risk Management
Manajemen Risiko pada tanggal 31 Januari 2024. Committee Charter on January 31, 2024. The membership
Keanggotaan Komite Manajemen Risiko pertama kali of the Risk Management Committee was first established
ditetapkan melalui Surat Keputusan Direksi No. SKEP.003/ through Board of Directors Decree No. SKEP.003/DIR/
DIR/IX/2023. Pedoman ini mengatur secara komprehensif IX/2023. These guidelines comprehensively regulate the
mengenai tugas dan tanggung jawab, keanggotaan, duties and responsibilities, membership, work procedures,
prosedur kerja, serta mekanisme pelaksanaan rapat Komite, and mechanisms for Committee meetings, ensuring that all
sehingga seluruh kegiatan manajemen risiko dijalankan risk management activities are carried out in a structured,
secara terstruktur, konsisten, dan sesuai prinsip tata kelola consistent manner, and in accordance with good
yang baik. governance principles.
Struktur dan Keanggotaan Komite Manajemen Risk Management Committee Structure and
Risiko Membership
Keanggotaan Komite Manajemen Risiko terdiri atas anggota The Risk Management Committee consists of permanent
tetap dan tidak tetap dengan struktur yang dirancang and non-permanent members, with a structure designed
untuk memastikan representasi memadai dari berbagai to ensure adequate representation across the Bank’s
fungsi strategis Bank. Struktur ini memungkinkan Komite strategic functions. This structure enables the Committee
menjalankan pengawasan risiko secara komprehensif, to carry out comprehensive risk oversight while supporting
sekaligus mendukung pengambilan keputusan berbasis risk-based decision-making aligned with the Bank’s
risiko yang selaras dengan tujuan bisnis Bank. business objectives.
Adapun susunan keanggotaan Komite Manajemen Risiko The Risk Management Committee membership as of
per 31 Desember 2025, adalah sebagai berikut: December 31, 2025, is as follows:
Jabatan di Komite
Anggota Komite
Position in the
Member of the Committee
Committee
Ketua Direktur Kepatuhan
Chairman Compliance Director
Sekretaris Kepala SKMR (merangkap anggota tetap)
Secretary Head of Risk Management Unit (SKMR) (concurrently as permanent member)
Anggota Tetap • Direktur Utama • President Director
Permanent Members • Direktur Bisnis • Director of Business
• Direktur Kredit • Director of Credit
• Direktur Operasional • Director of Operations
• Group Head Finance • Group Head of Finance
• Kepala Divisi Kepatuhan • Head of Compliance Division
• Kepala Divisi Treasury • Head of Treasury Division
• Kepala Divisi Credit Recovery • Head of Credit Recovery Division
• Kepala Divisi Credit Review I • Head of Credit Review Division I
• Kepala Divisi Credit Review II • Head of Credit Review Division II
• Kepala Divisi Corporate Banking I • Head of Corporate Banking Division I
• Kepala Divisi Corporate Banking II • Head of Corporate Banking Division II
• Kepala Divisi Corporate Banking III • Head of Corporate Banking Division III
• Kepala SKAI • Head of SKAI
Anggota Tidak Tetap • Kepala Divisi Accounting & Tax • Head of Accounting & Tax Division
Non-Permanent • Kepala Divisi Finance, Network & GA • Head of Finance, Network & General Affairs
Members Division
• Kepala Divisi Strategic Planning • Head of Strategic Planning Division
• Kepala Divisi Retail & Digital Banking • Head of Retail & Digital Banking Division
• Kepala Divisi International Banking • Head of International Banking Division
• Kepala Divisi Human Resources • Head of Human Resources Division
• Kepala Divisi Operasional • Head of Operations Division
• Kepala Divisi IT Operasional • Head of IT Operations Division
• Kepala Divisi IT Strategic • Head of IT Strategy Division
• Kepala Divisi Corporate Secretary & Legal • Head of the Corporate Secretary & Legal Division
326 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Periode dan Masa Jabatan Komite Manajemen Risk Management Committee Term and Term of
Risiko Office
Keanggotaan Komite Manajemen Risiko dapat disesuaikan The membership of the Risk Management Committee is
seiring perubahan struktur organisasi Bank. Oleh karena subject to change as the Bank’s organizational structure
itu, Bank tidak menetapkan batasan periode tertentu bagi changes. Therefore, the Bank does not set a specific term
masa jabatan anggota Komite Manajemen Risiko, sehingga limit for Risk Management Committee members, allowing
fleksibilitas ini memungkinkan penyesuaian anggota sesuai for flexibility in membership adjustments to meet the Bank’s
kebutuhan operasional dan strategi manajemen risiko Bank. operational needs and risk management strategy.
Independensi Komite Manajemen Risiko Independence of the Risk Management Committee
Bank menjamin bahwa seluruh anggota Komite Manajemen The Bank ensures that all members of the Risk Management
Risiko memiliki independensi yang diperlukan untuk Committee have the independence necessary to perform
menjalankan fungsi secara objektif, tanpa pengaruh their functions objectively, without external influence.
eksternal. Anggota Komite dipilih berdasarkan keahlian Committee members are selected based on their relevant
dan pengalaman yang relevan dalam manajemen risiko, expertise and experience in risk management, enabling
sehingga mampu mengidentifikasi, mengevaluasi, dan them to identify, evaluate, and manage the risks facing the
mengelola risiko yang dihadapi Bank secara efektif dan Bank effectively and responsibly.
bertanggung jawab.
Tugas, Tanggung Jawab, dan Wewenang Komite Duties, Responsibilities, and Authorities of the Risk
Manajemen Risiko Management Committee
Ruang lingkup tugas dan tanggung jawab Komite The scope of the duties and responsibilities of the Risk
Manajemen Risiko diuraikan sebagai berikut: Management Committee is outlined as follows:
1. Komite Manajemen Risiko memberikan rekomendasi 1. The Risk Management Committee provides
kepada Direktur Utama mencakup: recommendations to the President Director, including:
a. Kaji ulang dan memberikan rekomendasi kepada a. Reviewing and providing recommendations to
Direksi atas arahan, kebijakan, dan strategi the Board of Directors on risk management
manajemen risiko; directives, policies, and strategies;
b. Mengevaluasi kesesuaian proses penerapan b. Evaluating the conformity of the risk management
manajemen risiko dengan kebijakan yang berlaku implementation process with applicable policies
serta melakukan penyempurnaan sesuai dengan and making improvements in accordance with
perubahan eksternal dan internal yang memengaruhi external and internal changes that affect the
kecukupan permodalan dan profil risiko Bank; Bank’s capital adequacy and risk profile;
c. Mengevaluasi dan memberikan rekomendasi c. Evaluate and provide recommendations related to
terkait dengan kerangka kerja manajemen risiko, the risk management framework, risk appetite and
selera risiko dan toleransi risiko, profil risiko, serta risk tolerance, risk profile, and stress testing;
tes stress;
d. Menetapkan, mengevaluasi, dan memberikan d. Establish, evaluate, and provide recommendations
rekomendasi terkait pembentukan cadangan regarding the formation of capital allocation
alokasi modal untuk mengakomodasi potensi reserves to accommodate potential risks related
risiko pada risiko kredit, risiko operasional, risiko to credit risk, operational risk, market risk, and
pasar, dan risiko likuiditas; serta liquidity risk; and
e. Mengevaluasi dan memberikan rekomendasi atas e. Evaluate and provide recommendations on
keputusan bisnis, transaksi, dan produk/layanan/ business decisions, transactions, and new
aktivitas baru yang tidak sesuai dengan ketentuan products/services/activities that do not comply
internal maupun eksternal yang berdampak with internal or external regulations and have
signifikan terhadap keberlangsungan bisnis Bank. a significant impact on the Bank’s business
continuity.
2. Menyusun kebijakan manajemen risiko serta 2. Develop risk management policies and changes
perubahannya, termasuk strategi manajemen risiko, thereto, including risk management strategies, risk
tingkat risiko yang diambil dan batas toleransi risiko, levels and risk tolerance limits, risk management
kerangka manajemen risiko, serta rencana kontinjensi frameworks, and contingency plans to anticipate
untuk mengantisipasi terjadinya kondisi tidak normal. abnormal conditions.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 327
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Tata Kelola Perusahaan • Good Corporate Governance
3. Menyempurnakan proses manajemen risiko secara 3. Improve risk management processes periodically and
berkala maupun bersifat insidental sebagai akibat dari on an ad hoc basis as a result of changes in the Bank’s
suatu perubahan kondisi eksternal dan internal Bank external and internal conditions that may impact
yang dapat memengaruhi kecukupan permodalan, capital adequacy, the Bank’s risk profile, and the
profil risiko Bank, dan tidak efektifnya penerapan ineffectiveness of risk management implementation
manajemen risiko berdasarkan hasil evaluasi. based on evaluation results.
4. Menetapkan kebijakan dan/atau keputusan bisnis yang 4. Establishing policies and/or business decisions
menyimpang dari prosedur normal, seperti pelampauan that deviate from normal procedures, such as
ekspansi usaha yang signifikan dibandingkan dengan significant business expansion exceeding the Bank’s
rencana bisnis Bank yang telah ditetapkan sebelumnya predetermined business plan or taking positions or
atau pengambilan posisi atau eksposur risiko yang risk exposures that exceed established limits.
melampaui limit yang telah ditetapkan.
Ketua Manajemen Risiko Head of Risk Management
Ketua Komite Manajemen Risiko memiliki tanggung jawab The Head of the Risk Management Committee has primary
utama dalam mengoordinasikan jalannya komite, yang responsibility for coordinating the committee’s operations,
meliputi: which includes:
1. Menentukan jadwal dan agenda komite; serta 1. Determining the committee’s schedule and agenda;
and
2. Memimpin jalannya rapat. 2. Leading its meetings.
Sekretaris Manajemen Risiko Risk Management Secretary
Sekretaris Komite Manajemen Risiko bertanggung jawab The Secretary of the Risk Management Committee is
untuk mendukung kelancaran operasional komite, antara responsible for supporting the smooth operation of the
lain: committee, including:
1. Menyusun undangan rapat komite; 1. Preparing invitations to committee meetings;
2. Mempersiapkan materi, data, dan informasi yang akan 2. Preparing materials, data, and information to be
disampaikan ke rapat komite; serta presented at committee meetings; and
3. Menyusun risalah rapat (notulen) dan mendistribusikan 3. Preparing meeting minutes and distributing them to
risalah rapat kepada anggota komite. committee members.
Kebijakan Rapat dan Pelaksanaan Tugas Komite Risk Management Committee Meeting Policy and
Manajemen Risiko Tahun 2025 Implementation of Duties in 2025
Rapat Komite Manajemen Risiko diselenggarakan sekurang- Risk Management Committee meetings shall be held
kurangnya 6 (enam) kali dalam setahun. Selaras dengan at least six times a year. In line with this policy, the Risk
kebijakan tersebut, Komite Manajemen Risiko telah Management Committee held six meetings throughout
melaksanakan rapat sebanyak 6 (enam) kali sepanjang 2025. 2025.
Agenda rapat mencerminkan pelaksanaan tugas Komite The meeting agendas reflected the Committee’s
dalam memastikan manajemen risiko Bank berjalan efektif implementation of its duties to ensure the Bank’s risk
dan menyeluruh, antara lain: management is effective and comprehensive, including:
1. Pemantauan dan evaluasi profil risiko Bank; 1. Monitoring and evaluating the Bank’s risk profile;
2. Pelaksanaan stress testing untuk mengukur ketahanan 2. Conducting stress testing to measure the Bank’s
Bank terhadap berbagai skenario risiko; resilience to various risk scenarios;
3. Pengawasan terhadap keamanan siber dan maturitas 3. Oversight of the Bank’s cybersecurity and digital
digital Bank; maturity;
4. Evaluasi Rencana Aksi Pemulihan Bank; 4. Evaluation of the Bank’s Recovery Action Plan;
5. Tinjauan tahunan terhadap risk appetite dan risk 5. Annual review of the Bank’s risk appetite and risk
tolerance Bank; tolerance;
6. Pelaksanaan CRMS (Climate Risk Management & 6. Implementation of the Bank’s Climate Risk
Scenario Analyst) Bank; Management & Scenario Analyst (CRMS);
7. Evaluasi Implementasi RCSA dan KRI di Cabang dan 7. Evaluation of the Implementation of RCSA and KRI at
Kantor Pusat; serta Branches and Head Office; and
8. Review Progres atas Produk Baru atau Aktivitas Baru. 8. Review of Progress on New Products or New
Activities.
328 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Program Pengembangan Kompetensi Komite Risk Management Committee Competency
Manajemen Risiko Tahun 2025 Development Program for 2025
Dalam rangka memperkuat efektivitas pengawasan dan To strengthen the effectiveness of supervision and
memastikan penerapan manajemen risiko yang optimal, ensure optimal risk management implementation, the
Bank secara berkelanjutan menyelenggarakan program Bank continuously organizes competency development
pengembangan kompetensi bagi anggota Komite programs for members of the Risk Management
Manajemen Risiko. Inisiatif ini mencakup pendidikan, Committee. This initiative includes education, training,
pelatihan, dan workshop yang dirancang untuk memperluas and workshops designed to broaden knowledge, enhance
wawasan, meningkatkan keahlian, serta memperkuat expertise, and strengthen strategic decision-making
kemampuan pengambilan keputusan strategis terkait capabilities related to risk management. The following is a
manajemen risiko. Berikut adalah rangkaian program series of competency development programs for the Risk
pengembangan kompetensi Komite Manajemen Risiko Management Committee for 2025:
pada tahun 2025:
Jenis Pelatihan dan Materi
Posisi di
Pengembangan Kompetensi atau Waktu
Nama Komite Penyelenggara
No Pelatihan Pelaksanaan
Name Position in the Organizer
Types of Training and Competency Event Date
Committee
Development or Training Materials
1. Alexander Ketua Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Frans Rori Chairman Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Directors in this annual report.
2. Oh In Taek Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Member Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Directors in this annual report.
3. Park Jin Je Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Member Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Directors in this annual report.
4. Andreas Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Mikhael Member Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
Sumual List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Directors in this annual report.
5. Edwin Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Rudianto Member Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for the Board of Directors in this annual report.
6. Kim Kihyun Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Member Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for Asset and Liability Committee in this annual report.
7. Lee Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Seongyoon Member Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for Asset and Liability Committee in this annual report.
8. Aa Ananda Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Krishna Member Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for Asset and Liability Committee in this annual report.
9. Handry Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Husein Member Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for Asset and Liability Committee in this annual report.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 329
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Tata Kelola Perusahaan • Good Corporate Governance
Jenis Pelatihan dan Materi
Posisi di
Pengembangan Kompetensi atau Waktu
Nama Komite Penyelenggara
No Pelatihan Pelaksanaan
Name Position in the Organizer
Types of Training and Competency Event Date
Committee
Development or Training Materials
10. Park Jinwook Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Member Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for Asset and Liability Committee in this annual report.
11. Probo Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Abhirama Member Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for Asset and Liability Committee in this annual report.
12. Sigit Indra Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Pamungkas Member Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for Asset and Liability Committee in this annual report.
13. Krisna Budi Anggota Seminar Menuju Indonesia Emas dan Koordinasi 24 Januari 2025 Ali An Sun Geun
Sulistiyanto Member Kerja Tahunan January 24, 2025
Seminar on “Towards a Golden Indonesia” and
Annual Work Coordination
Internal Control Over Financial Reporting Februari 2025 GNV Consulting
(ICOFR) February 2025
Refreshment Jenjang 5 Sertifikasi Manajemen April 2025 LPK Praveena
Risiko (SMR) April 2025
Risk Management Certification Refreshment
Level 5 (SMR)
Sosialisasi Ketentuan Perbankan Untuk Bank Agustus 2025 LPK Praveena
Umum August 2025
Information Dissemination on Banking
Regulations for Commercial Banks
Pembekalan dan Uji Sertifikasi Kompetensi Oktober 2025 FKDKP
APU, PPT, PPPSPM Jenjang 5 October 2025
Preparation and Competency Certification
Examination for APU, PPT, PPP SPM Level 5
Training Trade Based Money Laundering Risiko, November 2025 Muamalat Institute
Tipologi, dan Deteksi November 2025
Training on Trade-Based Money Laundering
Risks, Typologies, and Detection
14. Rizweni Anggota Seminar Menuju Indonesia Emas dan Koordinasi 24 Januari 2025 Ali An Sun Geun
Oktavia Member Kerja Tahunan January 24, 2025
Seminar on “Towards a Golden Indonesia” and
Annual Work Coordination
Refreshment Jenjang 5 Sertifikasi Manajemen April 2025 LPK Praveena
Risiko (SMR) April 2025
Risk Management Certification Refreshment
Level 5 (SMR)
Strategic Execution Leadership Training Batch I 24 Mei 2025 MSCO
May 24, 2025
Refreshment Sertifikasi Manajemen Risiko Mei 2025 LPK Praveena
Jenjang 5 May 2025
Risk Management Certification Refreshment
Level 5
15. Muhamad Anggota Seminar Menuju Indonesia Emas dan Koordinasi 24 Januari 2025 Ali An Sun Geun
Rifki Member Kerja Tahunan January 24, 2025
Seminar on “Towards a Golden Indonesia” and
Annual Work Coordination
330 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Jenis Pelatihan dan Materi
Posisi di
Pengembangan Kompetensi atau Waktu
Nama Komite Penyelenggara
No Pelatihan Pelaksanaan
Name Position in the Organizer
Types of Training and Competency Event Date
Committee
Development or Training Materials
Imboost Your Spirit: Cultivating Positivity for a Februari 2025 OJK Institute
Balanced and Fulfilling Life Starts In 1 Hour February 2025
Imboost Your Spirit: Cultivating Positivity for a
Balanced and Fulfilling Life Starts in 1 Hour
Refreshment Jenjang 5 Sertifikasi Manajemen Maret 2025 LPK Praveena
Risiko (SMR) March 2025
Risk Management Certification Refreshment
Level 5 (SMR)
Refreshment Jenjang 5 Sertifikasi Manajemen April 2025 LPK Praveena
Risiko (SMR) April 2025
Risk Management Certification Refreshment
Level 5 (SMR)
Strategic Execution Leadership Training Batch I 24 Mei 2025 MSCO
May 24, 2025
16. Astrina Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Member Pengembangan Kompetensi Satuan Kerja Audit Internal, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for Internal Audit Unit in this annual report.
17. Robert Olof Sekretaris Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Secretary Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the
Competency Development Program for Asset Liability Committee in this annual report.
Komite Pengarah Teknologi Informasi Information Technology Steering
Committee
Komite Pengarah Teknologi Informasi (TI) merupakan salah The Information Technology (IT) Steering Committee
satu komite di bawah Direksi yang memiliki peran strategis is a committee under the Board of Directors that plays
dalam memastikan pengelolaan TI Bank selaras dengan arah a strategic role in ensuring the Bank’s IT management
bisnis dan kebutuhan operasional. Komite ini bertanggung aligns with business direction and operational needs.
jawab menelaah serta memberikan arahan terhadap This committee is responsible for reviewing and providing
rencana strategis TI, evaluasi investasi dan penganggaran, guidance on IT strategic plans, investment and budgeting
serta inisiatif teknologi lainnya. Seluruh kegiatan Komite evaluations, and other technology initiatives. All Committee
dirancang untuk memastikan bahwa implementasi activities are designed to ensure that technology
teknologi tidak hanya mendukung peningkatan kinerja dan implementation not only supports improved performance
efisiensi proses, tetapi juga menjamin keamanan data dan and process efficiency, but also ensures data security and
keberlanjutan operasional Bank. the sustainability of the Bank’s operations.
Pedoman Kerja Komite Pengarah Teknologi Information Technology Steering Committee Work
Informasi Guidelines
Bank telah menetapkan Pedoman dan Tata Tertib Komite The Bank has established the Guidelines and Rules
Pengarah Teknologi Informasi serta Percepatan Digital of Procedure for the Information Technology and
sebagai acuan resmi dalam pelaksanaan fungsi komite. Digital Acceleration Steering Committee as the official
Pedoman ini mengatur secara komprehensif uraian tugas dan reference for implementing the committee’s functions.
tanggung jawab anggota, struktur keanggotaan, prosedur These guidelines comprehensively define the duties
kerja, serta mekanisme rapat. Dengan adanya pedoman ini, and responsibilities of members, membership structure,
setiap kegiatan Komite Pengarah TI dilaksanakan secara work procedures, and meeting mechanisms. With these
terstruktur, efektif, dan konsisten, sehingga mendukung guidelines, all IT Steering Committee activities are carried
arah strategis Bank dalam pemanfaatan teknologi serta out in a structured, effective, and consistent manner,
percepatan transformasi digital. thus supporting the Bank’s strategic direction in utilizing
technology and accelerating digital transformation.
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Tata Kelola Perusahaan • Good Corporate Governance
Struktur dan Keanggotaan Komite Pengarah Structure and Membership of the Information
Teknologi Informasi Technology Steering Committee
Komite Pengarah TI dibentuk berdasarkan Surat Keputusan The IT Steering Committee was established based on
Direksi No. SKEP.001/DIR/VIII/2025, yang menetapkan Board of Directors Decree No. SKEP.001/DIR/VIII/2025,
susunan anggota Komite Pengarah Teknologi Informasi dan which stipulates the membership of the Bank’s Information
Percepatan Digital Bank. Komposisi tersebut dirancang Technology and Digital Acceleration Steering Committee.
untuk mencerminkan keseimbangan antara fungsi strategis, This composition is designed to reflect a balance between
operasional, dan pengawasan, sehingga setiap keputusan strategic, operational, and supervisory functions, so that
terkait inisiatif teknologi dan transformasi digital dapat every decision related to technology initiatives and digital
diambil secara efektif dan selaras dengan arah bisnis Bank. transformation can be made effectively and aligned with the
Bank’s business direction.
Susunan keanggotaan Komite Pengarah TI per 31 The membership of the IT Steering Committee as of
Desember 2025, adalah sebagai berikut: December 31, 2025, is as follows:
Jabatan di Komite
Anggota Komite
Position in the
Member of the Committee
Committee
Ketua Presiden Direktur
Chairman President Director
Sekretaris Kepala Grup IT
Secretary Head of IT Group
Anggota Tetap • Direktur Operasional • Director of Operations
Permanent Members • Direktur Bisnis. • Director of Business.
• Direktur Kepatuhan • Compliance Director
• Direktur Kredit • Credit Director
• Kepala Grup Finance • Finance Group Head
• Kepala Grup IT • IT Group Head
• Kepala Divisi IT Operasional • IT Operations Division Head
• IT Strategic Div. Head; • IT Strategic Division Head;
• Financial Planning, Accounting & Reporting Div. • Financial Planning, Accounting & Reporting
Head; Division Head;
• Retail Banking & Sales Distribution Div. Head; • Retail Banking & Sales Distribution Division
Head;
• Risk Management Div. Head; • Risk Management Division Head;
• Strategic Planning Div. Head; • Strategic Planning Division Head;
• Executive Credit Review; • Executive Credit Review;
• HR Div. Head; • HR Division Head;
• SME & Corporate Banking Div. Head • SME & Corporate Banking Division Head
Anggota Tidak Tetap • Operation Div. Head; • Operations Div. Head;
Non-Permanent • GA & Budget Div. Head; • GA & Budget Div. Head;
Members • Credit Recovery Div. Head; • Credit Recovery Div. Head;
• Credit Review I Div. Head; • Credit Review I Div. Head;
• Credit Review II Div. Head; • Credit Review II Div. Head;
• Credit Support Div. Head; • Credit Support Div. Head;
• International Banking Div. Head; • International Banking Div. Head;
• Treasury Div. Head; • Treasury Div. Head;
• Syndication & Wholesale Banking Div. Head; • Syndication & Wholesale Banking Div. Head;
• Korean Business Banking Div. Head; • Korean Business Banking Div. Head;
• Corporate Secretary & Legal Div. Head. • Corporate Secretary & Legal Div. Head.
Periode dan Masa Jabatan Komite Pengarah Terms and Term of Office of the Information
Teknologi Informasi Technology Steering Committee
Masa jabatan anggota Komite Pengarah TI disesuaikan The terms of office of the IT Steering Committee members
dengan periode jabatan Direksi, sebagaimana ditetapkan are aligned with the terms of office of the Board of Directors,
melalui RUPS atau melalui Surat Keputusan Direksi. as determined by the GMS or by a Board of Directors
Mekanisme ini memastikan kesinambungan kepemimpinan Decree. This mechanism ensures continuity of leadership
dan konsistensi pengambilan keputusan strategis dalam and consistency in strategic decision-making in technology
pengelolaan teknologi dan percepatan digital Bank. management and digital acceleration of the Bank.
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Tata Kelola Perusahaan • Good Corporate Governance
Independensi Komite Pengarah Teknologi Informasi Independence of the Information Technology
Steering Committee
Komite Pengarah TI melaksanakan fungsi dan tanggung The IT Steering Committee carries out its functions and
jawabnya secara independen, tanpa pengaruh dari responsibilities independently, without influence from
kepentingan internal maupun eksternal. Prinsip internal or external interests. This principle of independence
independensi ini menjamin bahwa seluruh arahan dan ensures that all strategic directions and decisions related
keputusan strategis terkait teknologi informasi dibuat to information technology are made objectively, aligned
secara objektif, selaras dengan tujuan bisnis Bank, with the Bank’s business objectives, and support the
serta mendukung pencapaian kinerja operasional dan achievement of optimal operational performance and digital
transformasi digital secara optimal. transformation.
Tugas dan Tanggung Jawab Komite Pengarah Duties and Responsibilities of the Information
Teknologi Informasi Technology Steering Committee
Komite Pengarah TI memiliki tanggung jawab strategis The IT Steering Committee has the strategic responsibility
untuk memastikan bahwa seluruh inisiatif teknologi dan to ensure that all technology initiatives and digital
transformasi digital Bank selaras dengan arah bisnis serta transformation of the Bank are aligned with business
kebutuhan operasional. Uraian tanggung jawab Komite direction and operational needs. The IT Steering
Pengarah TI diuraikan sebagai berikut: Committee’s responsibilities are outlined as follows:
1. Menentukan dan menyelaraskan Rencana Strategis 1. Determine and align the Information Technology
Teknologi Informasi dengan Rencana Bisnis Bank dan Strategic Plan with the Bank’s Business Plan and
disetujui oleh Direksi. approved by the Board of Directors;
2. Memberikan masukan kepada Direksi atas kebijakan, 2. Provide input to the Board of Directors on information
standar, dan prosedur teknologi informasi terutama technology policy, standards, and procedures,
yang terkait manajemen risiko penggunaan teknologi particularly those related to risk management in the
informasi. information technology utilization;
3. Menetapkan status prioritas proyek teknologi informasi 3. Determine the priority status of information technology
yang sudah selaras dengan Rencana Strategis projects that are in line with the Information Technology
Teknologi Informasi. Strategic Plan;
4. Memberikan rekomendasi kepada Direksi dari hasil 4. Provide recommendations to the Board of Directors
analisis terkait proyek teknologi informasi yang from the analysis results related to information
sudah ditetapkan pada Rencana Strategis Teknologi technology projects determined in the Information
Informasi. Technology Strategic Plan;
5. Memberikan rekomendasi kepada Direksi terhadap 5. Provide recommendations to the Board of Directors
kebutuhan investasi teknologi informasi (software on information technology investment requirements
dan hardware) yang disesuaikan dengan kebutuhan (software and hardware), tailored to the needs of the
kegiatan usaha Bank dengan mempertimbangkan Bank’s business activities, by considering potential
potensi risiko yang timbul dan kondisi keuangan Bank risks that arise and the Bank’s financial condition, by
dengan menerapkan asas efektivitas dan efisiensi. applying the principles of effectiveness and efficiency;
6. Menentukan dan memberikan arahan kepada Direksi 6. Determine and provide direction to the Board of
terkait langkah-langkah dalam meminimalkan risiko Directors on steps to minimize the risks of the Bank’s
atas investasi Bank dalam teknologi informasi investment in information technology so that this
sehingga investasi ini dapat memberikan kontribusi investment can contribute to achieving the Bank’s
terhadap pencapaian tujuan bisnis Bank. business objectives;
7. Pemantauan atas kinerja teknologi informasi dan 7. Monitor information technology performance and
upaya peningkatan kinerja teknologi informasi efforts to improve information technology performance
dengan mengukur efektivitas dan efisiensi penerapan by measuring the effectiveness and efficiency
kebijakan pengamanan teknologi informasi. of security policy implementation of information
technology;
8. Menyelesaikan permasalahan terkait teknologi 8. Resolve issues related to information technology
informasi secara efisien dan tepat waktu yang in an efficient and a timely manner, of which such
permasalahannya tidak dapat diselesaikan oleh Divisi issues cannot be resolved by the relevant Division
terkait (user pengguna teknologi informasi) dan/ (information technology users) and/or third parties
atau pihak ketiga terkait penyelenggaraan teknologi related to information technology implementation;
informasi.
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Tata Kelola Perusahaan • Good Corporate Governance
9. Memastikan kecukupan kebijakan dan prosedur terkait 9. Ensure the adequacy of policy and procedures
sumber daya teknologi informasi yang dimiliki serta related to information technology resources owned
penggunaan jasa pihak ketiga dalam penyelenggaraan and thirdparty services use in the implementation of
teknologi informasi. information technology;
10. Memutuskan strategi operasional dalam hal pengujian 10. Decide the operational strategy for Disaster Recovery
Disaster Recovery Center (DRC) beserta skenario Center (DRC) testing and its scenarios for periodic
pengujiannya yang dilakukan secara berkala, yaitu 1 testing, once a year; and
(satu) kali dalam setahun.
11. Menerima laporan dari Divisi Teknologi Informasi 11. Receive reports from the Information Technology
atas evaluasi kinerja terkait penyelenggara teknologi Division on performance evaluations related to
informasi, antara lain meliputi: information technology providers, including:
a. Evaluasi pengembangan program aplikasi yang a. Evaluation on progress of application program
dikembangkan oleh internal maupun eksternal; developed internally and externally;
b. Evaluasi kinerja pihak ketiga (vendor); b. Third party (vendor) performance evaluation;
c. Evaluasi Availability Infrastruktur (software dan c. Evaluation on Infrastructure (software and
hardware); serta hardware) Availability; and
d. Evaluasi biaya teknologi informasi. d. Evaluation on information technology costs
Kebijakan Rapat dan Pelaksanaan Tugas Komite Information Technology Steering Committee
Pengarah Teknologi Informasi Tahun 2025 Meeting Policy and Duties Implementation in 2025
Komite Pengarah TI wajib menyelenggarakan rapat secara The IT Steering Committee is required to hold regular
rutin minimal 3 (tiga) kali setiap bulan untuk memastikan meetings at least three times per month to ensure that
seluruh agenda strategis terkait teknologi dan transformasi all strategic agendas related to technology and the
digital Bank dapat diikuti, dipantau, dan dieksekusi secara Bank’s digital transformation are followed, monitored, and
efektif. executed effectively.
Sepanjang tahun 2025, Komite Pengarah TI telah Throughout 2025, the IT Steering Committee held
melaksanakan rapat sebanyak 3 (Tiga) kali dengan agenda three meetings, with discussion agendas reflecting the
pembahasan yang mencerminkan pelaksanaan tugas implementation of the Committee’s main duties, including:
utama Komite, antara lain:
1. Ikhtisar/Overview BI Fast di bank IBK; 1. Overview of BI Fast at IBK Bank;
2. Update Terkait Digital Banking; 2. Updates on Digital Banking;
3. Realisasi Anggaran 2025 dan usulan anggaran 2026 3. 2025 Budget Realization and 2026 Budget Proposal
divisi IT; for the IT Division;
4. Rencana Proyek IT Strategic dan IT Operation tahun 4. 2026 Strategic IT and IT Operations Project Plan;
2026;
5. Tinjauan umum Digital Banking 2023-2025 dan 5. 2023-2025 Digital Banking Overview and 2026
rencana pengembangan 2026; Development Plan;
6. Pembaruan Teknologi IT Infrastruktur ditahun 2026; 6. 2026 IT Infrastructure Technology Updates;
7. Pembaruan rencana kerja divisi IT Strategic dan IT 7. 2025 Work Plan Updates for the Strategic IT and IT
Operation tahun 2025; serta Operations Divisions; and
8. Peningkatan layanan E-KYC ditahun 2026. 8. E-KYC Service Improvements in 2026.
Program Pengembangan Kompetensi Komite Information Technology Steering Committee
Pengarah Teknologi Informasi Tahun 2025 Competency Development Program in 2025
Seiring dengan percepatan transformasi digital dan evolusi In line with the acceleration of digital transformation and
teknologi dalam industri perbankan, Komite Pengarah TI technological evolution in the banking industry, the IT
menempatkan pengembangan kompetensi sebagai prioritas Steering Committee prioritizes competency development.
strategis. Bank secara konsisten mendukung anggota The Bank consistently supports IT Steering Committee
Komite Pengarah TI melalui berbagai program pendidikan members through various internal and external education
dan pelatihan baik yang diselenggarakan secara internal and training programs to strengthen their understanding
maupun eksternal guna memperkuat pemahaman terhadap of current technology trends, enhance decision-making
tren teknologi terkini, meningkatkan kapabilitas pengambilan capabilities, and ensure that all IT initiatives align with the
keputusan, serta memastikan seluruh inisiatif TI berjalan Bank’s business and operational objectives.
selaras dengan tujuan bisnis dan operasional Bank.
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Tata Kelola Perusahaan • Good Corporate Governance
Rangkaian kegiatan pendidikan dan pelatihan Komite The IT Steering Committee’s education and training
Pengarah TI pada tahun 2025 meliputi: programs in 2025 include:
Jenis Pelatihan dan Materi
Posisi di
Pengembangan Kompetensi atau Waktu
Nama Komite Penyelenggara
No Pelatihan Pelaksanaan
Name Position in the Organizer
Types of Training and Competency Event Date
Committee
Development or Training Materials
1 Oh In Taek Ketua Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Chairman Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for the Board of Directors in this annual report.
2 Bae Sekretaris Seminar Menuju Indonesia Emas dan Koordinasi 24 Januari 2025 Ali An Sun Geun
Woonghee Secretary Kerja Tahunan January 24, 2025
Seminar on “Towards a Golden Indonesia” and
Annual Work Coordination
3 Park Jin Je Anggota Tetap Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Permanent Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
Member List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for the Board of Directors in this annual report.
4 Andreas Anggota Tetap Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Mikhael Permanent Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
Sumual Member List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for the Board of Directors in this annual report.
5 Edwin Anggota Tetap Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Rudianto Permanent Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
Member List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for the Board of Directors in this annual report.
6 Alexander Anggota Tetap Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Frans Rori Permanent Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
Member List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for the Board of Directors in this annual report.
7 Lee Anggota Tetap Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Seongyoon Permanent Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
Member List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for the Asset and Liability Committee in this annual report.
8 Hendrikus Anggota Tetap Refreshment Jenjang 5 Sertifikasi Manajemen 25 Maret 2025 Kantor LSPP
Alexander Permanent Risiko (SMR) March 25, 2025
Siwy Member Risk Management Certification Refreshment
Level 5 (SMR)
REFRESHMENT JENJANG 5 SERTIFIKASI 1 April 2025 ZOOM
MANAJEMEN RISIKO (SMR) April 1, 2025
Risk Management Certification Refreshment
Level 5 (SMR)
Sosialisasi BI Terkait Diseminasi Ketentuan dan 25 Mei 2025 ZOOM
Aspek Keamanan Sistem BI-Fast May 25, 2025
Information Dissemination by Bank Indonesia
regarding Dissemination of Provisions and
Security Aspects of BI-FAST System
Sosialisasi Peningkatan Pengamanan Layanan 25 Mei 2025 ZOOM
Transaksi Digital BI Fast Multi – Tenancy May 25, 2025
Information Dissemination on Enhancement
of Security for BI-FAST Multi-Tenancy Digital
Transaction Services
9 Sigit Indra Anggota Tetap Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Pamungkas Permanent Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
Member List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for Asset Liability Committee in this annual report.
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Tata Kelola Perusahaan • Good Corporate Governance
Jenis Pelatihan dan Materi
Posisi di
Pengembangan Kompetensi atau Waktu
Nama Komite Penyelenggara
No Pelatihan Pelaksanaan
Name Position in the Organizer
Types of Training and Competency Event Date
Committee
Development or Training Materials
10 Yuda Adrian Anggota Tetap Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Permanent Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
Member List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for Asset Liability Committee in this annual report.
11 Robert Olof Anggota Tetap Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Permanent Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
Member List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for Asset Liability Committee in this annual report.
12 Lee Anggota Tetap Seminar Menuju Indonesia Emas dan Koordinasi 24 Januari 2025 Ali An Sun Geun
Hyoungseok Permanent Kerja Tahunan January 24, 2025
Member Seminar on “Towards a Golden Indonesia” and
Annual Work Coordination
13 Roh Jeong Anggota Tetap Seminar Menuju Indonesia Emas dan Koordinasi 24 Januari 2025 Ali An Sun Geun
Hoon Permanent Kerja Tahunan January 24, 2025
Member Seminar on “Towards a Golden Indonesia” and
Annual Work Coordination
14 Ruth Anggota Tetap Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Damayanti Permanent Pengembangan Kompetensi Komite Nominasi dan Remunerasi, di dalam laporan tahunan ini.
Sianturi Member List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for Nomination and Remuneration Committee in this annual report.
15 Probo Anggota Tetap Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Abhirama Permanent Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
Member List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for Asset Liability Committee in this annual report.
16 Yustika Anggota Tidak Seminar Menuju Indonesia Emas dan Koordinasi 24 Januari 2025 Ali An Sun Geun
Rusnanda Tetap Kerja Tahunan January 24, 2025
Non-Permanent Seminar on “Towards a Golden Indonesia” and
Member Annual Work Coordination
Pembekalan J6 Sub Bidang Pengeloaan Transfer 25 Maret 2025 LPK Praveena
DanaBriefing J6 Subfield of Fund Transfer March 25, 2025
Management
Refreshment Jenjang 5 Sertifikasi Manajemen 1 April 2025 LPK Praveena
Risiko (SMR) April 1, 2025
Risk Management Certification Refreshment
Level 5 (SMR)
Sosialisasi BI mengenai Evaluasi Progres Reviu 25 Mei 2025 Bank Indonesia
Implementasi Standardisasi Kompetensi di May 25, 2025
Bidang Sistem Pembayaran SK SP
Information Dissemination by Bank Indonesia
regarding Evaluation of Progress Review of
Implementation of Competency Standardization
in Payment System Field SK SP
Certified Data Perotection Practitioner 25 Agustus 2025 Robere
Certified Data Protection Practitioner August 25, 2025
17 Muhamad Anggota Tidak Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Rifki Tetap Pengembangan Kompetensi Komite Kredit di dalam laporan tahunan ini.
Non-Permanent List of the training courses he attended in 2025 is available in the subchapter on the Competency
Member Development Program for Credit Committee in this annual report.
18 Rizweni Anggota Tidak Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Oktavia Tetap Pengembangan Kompetensi Komite Kredit di dalam laporan tahunan ini.
Non-Permanent List of the training courses he attended in 2025 is available in the subchapter on the Competency
Member Development Program for Credit Committee in this annual report.
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Tata Kelola Perusahaan • Good Corporate Governance
Jenis Pelatihan dan Materi
Posisi di
Pengembangan Kompetensi atau Waktu
Nama Komite Penyelenggara
No Pelatihan Pelaksanaan
Name Position in the Organizer
Types of Training and Competency Event Date
Committee
Development or Training Materials
19 B Ronald Anggota Tidak Seminar Menuju Indonesia Emas dan Koordinasi 24 Januari 2025 Ali An Sun Geun
Aris Tetap Kerja Tahunan January 24, 2025
Non-Permanent Seminar on “Towards a Golden Indonesia” and
Member Annual Work Coordination
Strategic Execution Leadership Training Batch I 24 Mei 2025 MSCO
May 24, 2025
Sosialisasi Ketentuan Perbankan untuk Bank 25 Agustus 2025 LPK Praveena
Umum August 25, 2025
Information Dissemination on Banking
Regulations for Commercial Banks
Training Loan Admin and Loan Documentation 1 November 2025 LPPI
November 1, 2025
20 Jung You Jin Anggota Tidak Seminar Menuju Indonesia Emas dan Koordinasi 24 Januari 2025 Ali An Sun Geun
Tetap Kerja Tahunan January 24, 2025
Non-Permanent Seminar on “Towards a Golden Indonesia” and
Member Annual Work Coordination
Pelatihan "Dengan pelanggan, kepercayaan, 25 April 2026 IBK Korea
dan tanggung jawab, semangat dan inovasi, April 25, 2026
komunikasi dan kerja sama tim"
Training "With customers, trust, and
responsibility, spirit and innovation,
communication and teamwork"
21 Aa Ananda Anggota Tidak Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Krishna Tetap Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
Non-Permanent List of the training courses he attended in 2025 is available in the subchapter on the Competency
Member Development Program for Asset Liability Committee in this annual report.
22 Handry Anggota Tidak Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Husein Tetap Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
Non-Permanent List of the training courses he attended in 2025 is available in the subchapter on the Competency
Member Development Program for Asset Liability Committee in this annual report.
23 Park Jinwook Anggota Tidak Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Tetap Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
Non-Permanent List of the training courses he attended in 2025 is available in the subchapter on the Competency
Member Development Program for Asset Liability Committee in this annual report.
24 Krisna Budi Anggota Tidak Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Sulistiyanto Tetap Pengembangan Kompetensi Komite Manajemen Risiko di dalam laporan tahunan ini.
Non-Permanent List of the training courses he attended in 2025 is available in the subchapter on the Competency
Member Development Program for Risk Management Committee in this annual report.
Komite Kredit Credit Committee
Komite Kredit merupakan organ strategis di bawah Direksi The Credit Committee is a strategic body under the Board
yang memegang peran sentral dalam menjaga kualitas of Directors that plays a central role in maintaining the
portofolio pembiayaan Bank. Komite ini berfungsi sebagai quality of the Bank’s financing portfolio. This committee
forum pengambilan keputusan yang memastikan setiap serves as a decision-making forum that ensures that every
pemberian, perubahan, atau perpanjangan fasilitas kredit grant, change, or extension of credit facilities is carried
dilakukan secara prudent, terukur, dan selaras dengan out prudently, measurably, and in line with the Bank’s risk
risk appetite Bank. Selain itu, Komite ini juga bertanggung appetite. Furthermore, the Committee is responsible for
jawab memantau perkembangan portofolio kredit secara continuously monitoring the development of the credit
berkelanjutan, mendeteksi potensi penurunan kualitas, portfolio, detecting potential quality declines, providing
memberikan arahan mitigasi, serta memastikan penerapan mitigation guidance, and ensuring the consistent and
kebijakan kredit berjalan konsisten dan efektif. effective implementation of credit policies.
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Tata Kelola Perusahaan • Good Corporate Governance
Setiap keputusan kredit atau pembiayaan di Bank dilandasi Every credit or financing decision at the Bank is based on
prinsip pemisahan fungsi (four eyes principle), di mana the principle of separation of functions (the “four eyes”
setiap usulan melalui evaluasi minimal dua pihak yang principle), where each proposal is evaluated by at least
independen. Prinsip ini dirancang untuk menjaga objektivitas, two independent parties. This principle is designed to
memperkuat kualitas analisis risiko, dan meminimalkan maintain objectivity, strengthen the quality of risk analysis,
potensi risiko dalam pemberian kredit. Melalui mekanisme and minimize potential risks in credit granting. Through
ini, setiap usulan kredit atau pembiayaan diperiksa secara this mechanism, every credit or financing proposal is
menyeluruh sebelum disetujui atau ditolak. Penerapan thoroughly reviewed before being approved or rejected.
four eyes principle mencerminkan komitmen Bank dalam The implementation of the “four eyes” principle reflects
menjaga integritas proses pembiayaan dan memastikan the Bank’s commitment to maintaining the integrity of the
bahwa seluruh keputusan kredit diambil berdasarkan financing process and ensuring that all credit decisions are
pertimbangan matang, transparan, dan profesional. made based on careful consideration, transparency, and
professionalism.
Pedoman Kerja Komite Kredit Credit Committee Charter
Bank telah menetapkan Kebijakan Perkreditan Bank The Bank has established the Bank’s Credit Policy as the
sebagai pedoman resmi yang menjadi dasar pelaksanaan official guideline that serves as the basis for implementing
seluruh fungsi dan tanggung jawab komite. Pedoman ini all functions and responsibilities of the committee. These
disusun berdasarkan ketentuan peraturan perundang- guidelines are based on the following laws and regulations:
undangan dan regulasi berikut:
1. Undang-Undang No. 7 Tahun 1992 tentang Perbankan 1. Law No. 7 of 1992 concerning Banking as Amended by
sebagaimana diubah dengan Undang-Undang No. 10 Law Number 10 of 1998 concerning the Amendments
Tahun 1998 tentang Perubahan atas Undang-Undang of Law No. 7 of 1992 concerning Banking, and its
No. 7 Tahun 1992 tentang Perbankan, beserta amendments (if any).
perubahannya (jika ada).
2. Undang-Undang No. 27 Tahun 2022 tentang 2. Law No. 27 of 2022 concerning Personal Data
Pelindungan Data Pribadi. Protection.
3. Peraturan Pemerintah (PP) No. 7 Tahun 2021 tentang 3. Regulation of the Government No. 7 of 2021
Kemudahan, Pelindungan, dan Pemberdayaan concerning the Ease, Protection, and Empowerment
Koperasi dan Usaha Mikro, Kecil, dan Menengah. for Cooperatives and Micro, Small, and Medium
Enterprises.
4. Peraturan Otoritas Jasa Keuangan No. 42/ 4. Regulation of the Financial Services Authority No. 42/
POJK.03/2017 tentang Kewajiban Penyusunan dan POJK.03/2017 concerning Obligations for Preparing
Pelaksanaan Kebijakan Perkreditan atau Pembiayaan and Implementing Bank Credit or Financing Policies
Bank bagi Bank Umum, beserta perubahannya (jika ada). for Commercial Banks, and its amendments (if any).
5. Peraturan Otoritas Jasa Keuangan No. 34/ 5. Regulation of the Financial Services Authority No.
POJK.03/2016 tentang Perubahan atas Peraturan 34/POJK.03/2016 concerning the Amendment of
Otoritas Jasa Keuangan No. 11/POJK.03/2016 Regulation of the Financial Services Authority No.
tentang Kewajiban Penyediaan Modal Minimum Bank 11/POJK.03/2016 concerning the Minimum Capital
Umum, beserta perubahannya (jika ada). Adequacy Requirement of Commercial Banks, and its
amendments (if any).
6. Peraturan Otoritas Jasa Keuangan No. 40/ 6. Regulation of the Financial Services Authority No. 40/
POJK.03/2019 tentang Penilaian Kualitas Aset Bank POJK.03/2019 concerning Asset Quality Assessment
Umum, beserta perubahannya (jika ada). of Commercial Banks, and its amendments (if any).
7. Peraturan Otoritas Jasa Keuangan No. 38/ 7. Regulation of the Financial Services Authority No.
POJK.03/2019 tentang Perubahan atas Peraturan 38/POJK.03/2019 concerning the Amendment of
Otoritas Jasa Keuangan No. 32/POJK.03/2018 Regulation of the Financial Services Authority No. 32/
tentang Batas Maksimum Pemberian Kredit dan POJK.03/2018 concerning Maximum Limit for Credit
Penyediaan Dana Besar bagi Bank Umum, beserta Granting and Providing Large Funds for Commercial
perubahannya (jika ada). Banks, and its amendments (if any).
8. Peraturan Otoritas Jasa Keuangan No. 11 Tahun 8. Regulation of the Financial Services Authority Number
2024 tentang Perubahan Kedua atas Peraturan 11 of 2024 concerning the Second Amendment of
Otoritas Jasa Keuangan No. 18/POJK.03/2017 Regulation of the Financial Services Authority No. 18/
338 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
tentang Pelaporan dan Permintaan Informasi Debitur POJK.03/2017 concerning Reporting and Debtor
melalui Sistem Layanan Informasi Keuangan, beserta Information Requesting through the Financial Information
perubahannya (jika ada). Service System, and its amendments (if any).
9. Peraturan Otoritas Jasa Keuangan No. 1/ 9. Regulation of the Financial Services Authority No. 1/
POJK.03/2019 tentang Penerapan Fungsi Audit Intern POJK.03/2019 concerning the Implementation of
pada Bank Umum, beserta perubahannya (jika ada). Internal Audit Functions in Commercial Banks, and its
amendments (if any).
10. Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 10. Regulation of the Financial Services Authority No. 17 of
tentang Penerapan Tata Kelola bagi Bank Umum, 2023 concerning the Implementation of Governance
beserta perubahannya (jika ada). for Commercial Banks, and its amendments (if any).
11. Peraturan Otoritas Jasa Keuangan No. 8 Tahun 2023 11. Regulation of the Financial Services Authority
tentang Penerapan Program Anti Pencucian Uang, No. 8 of 2023 concerning the Implementation of
Pencegahan Pendanaan Terorisme, dan Pencegahan Anti-Money Laundering Programs, Prevention of
Pendanaan Proliferasi Senjata Pemusnah Massal di Terrorism Financing, and Prevention of Financing
Sektor Jasa Keuangan, beserta perubahannya (jika for Proliferation of Mass Destruction Weapons in the
ada). Financial Services Sector, and its amendments (if any).
12. Peraturan Otoritas Jasa Keuangan No. 19 Tahun 2025 12. Regulation of the Financial Services Authority No. 19
tentang Kemudahan Akses Pembiayaan kepada Usaha of 2025 concerning the Ease of Access to Financing
Mikro, Kecil, dan Menengah, beserta perubahannya for Micro, Small, and Medium Enterprises, and its
(jika ada). amendments (if any).
13. Peraturan Otoritas Jasa Keuangan No. 51/ 13. Regulation of the Financial Services Authority No.
POJK.03/2017 tentang Penerapan Keuangan 51/POJK.03/2017 concerning the Implementation of
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten Sustainable Finance for Financial Services Institutions,
dan Perusahaan Publik. Issuers and Public Companies.
14. Peraturan Otoritas Jasa Keuangan No. 22 Tahun 2023 14. Regulation of the Financial Services Authority No.
tentang Pelindungan Konsumen dan Masyarakat di 22 of 2023 concerning Consumer and Community
Sektor Jasa Keuangan. Protection in the Financial Services Sector.
15. Peraturan Bank Indonesia No. 24/16/PBI/2022 15. Regulation of Bank Indonesia No. 24/16/PBI/2022
tentang Perubahan Keempat atas Peraturan Bank concerning the Fourth Amendment of Regulation
Indonesia No. 20/4/PBI/2018 tentang Rasio of Bank Indonesia Number 20/4/PBI/2018
Intermediasi Makroprudensial dan Penyangga concerning Macroprudential Intermediation Ratio and
Likuiditas Makroprudensial bagi Bank Umum Macroprudential Liquidity Buffer for Conventional
Konvensional. Bank Umum Syariah, dan Unit Usaha Commercial Banks, Islamic Commercial Banks, and
Syariah, beserta perubahannya (jika ada). Islamic Business Units, and its amendments (if any).
16. Peraturan Bank Indonesia No. 23/2/PBI/2021 16. Regulation of Bank Indonesia No. 23/2/PBI/2021
tentang Perubahan Ketiga atas Peraturan Bank concerning the Third Amendment of Regulation of
Indonesia No. 20/8/PBI/2018 tentang Rasio Loan to Bank Indonesia No. 20/8/PBI/2018 concerning Loan
Value untuk Kredit Properti, Rasio Financing to Value to Value Ratio for Property Loans, Financing to Value
untuk Pembiayaan Properti, dan Uang Muka untuk Ratio for Property Financing, and Down Payment for
Kredit atau Pembiayaan Kendaraan Bermotor, beserta Motor Vehicle Loans or Financing, and its amendments
perubahannya (jika ada). (if any).
17. Surat Edaran Otoritas Jasa Keuangan No. 11/ 17. Circular Letter of the Financial Services Authority
SEOJK.01/2024 tentang Pelaporan dan Permintaan No. 11/SEOJK.01/2024 concerning the Debtor
Informasi Debitur melalui Sistem Layanan Informasi Information Reporting and Requesting through
Keuangan, beserta perubahannya (jika ada). the Financial Information Service System, and its
amendments (if any).
18. Peraturan Menteri Agraria dan Tata Ruang/Kepala 18. Regulation of the Minister of Agrarian and Spatial
Badan Pertanahan Nasional No. 22 Tahun 2017 Planning/Head of the National Land Agency No. 22
tentang Penetapan Batas Waktu Penggunaan of 2017 concerning the Stipulation of Time Limit for
Surat Kuasa Membebankan Hak Tanggungan the Use of Power of Attorney to Enforce Mortgage
untuk Menjamin Pelunasan Kredit Tertentu, beserta Rights to Guarantee Certain Credit Repayments and
perubahannya (jika ada). its amendments (if any).
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Tata Kelola Perusahaan • Good Corporate Governance
Kebijakan Perkreditan Bank ini mengatur secara This Bank Credit Policy comprehensively regulates the
komprehensif uraian tugas, tanggung jawab, dan duties, responsibilities, and authorities of members,
wewenang anggota, struktur keanggotaan, mekanisme membership structure, meeting mechanisms, quorum, and
rapat, kuorum, serta prosedur pengambilan keputusan yang decision-making procedures related to credit activities.
berkaitan dengan aktivitas perkreditan. Dengan pedoman With these guidelines, the Credit Committee’s functions
ini, pelaksanaan fungsi Komite Kredit dapat berlangsung can be implemented in a structured, transparent manner,
secara terstruktur, transparan, dan selaras dengan prinsip and in accordance with the principles of prudence and
kehati-hatian serta tata kelola yang baik. good governance.
Struktur dan Keanggotaan Komite Kredit Credit Committee Structure and Membership
Komite Kredit dibentuk berdasarkan Surat Keputusan The Credit Committee is established based on a Board of
Direksi (SKEP) yang menetapkan struktur, susunan, dan Directors’ Decree (SKEP) that establishes the structure,
wewenang Komite Kredit. Komposisi keanggotaan Komite composition, and authority of the Credit Committee. The
dirancang untuk mencerminkan keseimbangan antara Committee’s membership composition is designed to
fungsi pengambilan keputusan, pengawasan, dan mitigasi reflect a balance between decision-making, oversight, and
risiko, sehingga setiap keputusan terkait pemberian, risk mitigation functions, so that every decision regarding
perubahan, atau perpanjangan fasilitas kredit dapat diambil the granting, amendment, or extension of credit facilities
secara prudent, objektif, dan selaras dengan risk appetite can be made prudently, objectively, and in line with the
Bank. Bank’s risk appetite.
Susunan keanggotaan Komite Kredit per 31 Desember The Credit Committee’s membership composition as of
2025, adalah sebagai berikut: December 31, 2025, is as follows:
Jabatan di Komite
Anggota Komite
Position in the
Member of the Committee
Committee
Ketua Direktur Utama
Chairman President Director
Anggota • Direktur Kredit • Credit Director
Member • Direktur Bisnis • Business Director
• Executive Credit Review • Executive Credit Review
• Kepala Divisi Credit Review I • Head of Credit Review Division I
• Kepala Divisi Credit Review II • Head of Credit Review Division II
• Kepala Divisi Corporate Banking (in charge) • Head of Corporate Banking Division (in charge)
• Kepala Departemen Credit Review (in charge) • Head of Credit Review Department (in charge)
• Credit Reviewer • Credit Reviewer
• Kepala Divisi Risk Management* • Head of Risk Management Division*
• Direktur Kepatuhan* • Compliance Director*
* Tidak memiliki kewenangan untuk memutus kredit, akan tetapi hanya memberikan opini terhadap permohonan kredit.
* He/she does not have the authority to decide on credit, but only provides an opinion on credit applications.
Independensi Komite Kredit Credit Committee Independence
Komite Kredit senantiasa menegaskan komitmennya The Credit Committee consistently affirms its commitment
terhadap prinsip independensi dalam seluruh proses to the principle of independence throughout its decision-
pengambilan keputusan. Setiap anggota menjalankan making process. Each member performs their role
perannya secara objektif, bebas dari tekanan, intervensi, atau objectively, free from pressure, intervention, or vested
kepentingan pihak manapun. Pendekatan ini memastikan interests of any party. This approach ensures that every
bahwa setiap keputusan kredit baik pemberian, perubahan, credit decision, whether granting, changing, or extending
maupun perpanjangan fasilitas didasarkan pada evaluasi a facility, is based on a thorough evaluation of risk, the
risiko yang mendalam, kelayakan calon debitur, dan suitability of the prospective borrower, and the Bank’s
kepentingan strategis Bank. Dengan demikian, integritas, strategic interests. Thus, the integrity, portfolio quality,
kualitas portofolio, dan tata kelola proses pembiayaan and governance of the financing process are consistently
dapat terjamin secara konsisten. assured.
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Tata Kelola Perusahaan • Good Corporate Governance
Tugas, Tanggung Jawab, dan Wewenang Komite Duties, Responsibilities, and Authorities of the
Kredit Credit Committee
Ruang lingkup tugas dan tanggung jawab Komite Kredit The scope of the Credit Committee’s duties and
ditetapkan sebagai berikut: responsibilities is as follows:
1. Tugas Komite Kredit 1. Credit Committee Task
Tugas Komite Kredit adalah sebagai berikut: The task of Credit Committee are as follows:
• Memberikan persetujuan atau penolakan Kredit • To approve or reject Credit in accordance with
sesuai dengan batas wewenang atau jenis Kredit the limit of authority or type of Credit set by the
yang ditetapkan oleh Direksi. Board of Directors.
• Memberikan persetujuan atau penolakan • To Give approval or rejection of credit restructuring
restrukturisasi kredit sesuai dengan batas in accordance with the limit of authority set by the
wewenang yang telah ditetapkan oleh Direksi. Board of Directors.
• Melakukan koordinasi dengan Assets and • To coordinate with the Assets and Liabilities
Liabilities Committee (ALCO) dalam aspek Committee (ALCO) in the aspect of source
pendanaan Kredit. funding for credit.
• Wajib memperhatikan ketentuan Batas Maksimum • Must pay attention to the provisions of the Legal
Pemberian Kredit (BMPK) baik untuk satu debitur Lending Limit (LLL) for both one debtor and one
maupun satu kelompok debitur. group of debtors.
• Meyakini bahwa kredit yang akan diberikan • Convinced that the credit that will be given can
dapat dilunasi kembali pada waktunya dan tidak be repaid on time and does not develop into non-
berkembang menjadi kredit bermasalah. performing loans.
• Memastikan bahwa setiap kredit yang diberikan • Ensure that every loan given has fulfilled the
telah memenuhi asas perkreditan yang sehat. principles of sound credit.
2. Tanggung Jawab Komite Kredit 2. Credit Committee Responsibility
Tanggung jawab Komite Kredit adalah sebagai berikut: Responsibilities of Credit Committee are as follows:
• Melaksanakan tugas terutama dalam pemberian • Perform task, especially in granting credit
persetujuan Kredit berdasarkan kompetensinya approval based on competence with integrity,
secara jujur, objektif, cermat, serta seksama; dan objectivity, accuracy, comprehensively; and
• Menolak permintaan dan/atau pengaruh pihak • Reject requests and/or influence of parties with
yang berkepentingan dengan pemohon Kredit interest related to the credit applicant in granting
untuk memberikan persetujuan Kredit yang hanya credit approval as a formality.
bersifat formalitas.
Kebijakan Rapat dan Pelaksanaan Tugas Komite Credit Committee Meeting Policy and
Kredit Tahun 2025 Implementation of Duties in 2025
Komite Kredit menyelenggarakan rapat secara rutin The Credit Committee holds regular meetings at least
minimal sekali setiap bulan untuk meninjau dan mengambil once a month to review and make decisions regarding
keputusan terkait pemberian, perubahan, maupun the granting, amendment, or extension of credit facilities.
perpanjangan fasilitas kredit. Sepanjang tahun 2025, Throughout 2025, the Credit Committee held meetings
Komite Kredit telah melaksanakan rapat yang menghasilkan resulting in 434 credit decisions.
434 keputusan kredit.
Rapat Komite Kredit menjadi forum strategis untuk Credit Committee meetings serve as a strategic forum to
memastikan setiap keputusan kredit diambil secara ensure that every credit decision is made prudently, based
prudent, berdasarkan analisis risiko yang komprehensif, on comprehensive risk analysis, and aligned with prudent
dan selaras dengan prinsip kehati-hatian serta risk appetite principles and the Bank’s risk appetite. This meeting
Bank. Mekanisme rapat ini juga mendukung penerapan mechanism also supports the implementation of the four
four eyes principle sehingga setiap keputusan mendapat eyes principle, ensuring that every decision is monitored
pengawasan dan evaluasi dari minimal dua pihak yang and evaluated by at least two independent parties, to
independen, guna menjaga objektivitas dan integritas maintain the objectivity and integrity of the financing
proses pembiayaan. process.
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Tata Kelola Perusahaan • Good Corporate Governance
Program Pengembangan Kompetensi Komite Kredit Credit Committee Competency Development
Tahun 2025 Program in 2025
Bank memahami pentingnya pengembangan kompetensi The Bank understands the importance of competency
bagi anggota Komite Kredit dalam menghadapi dinamika development for Credit Committee members in addressing
risiko dan kompleksitas portofolio pembiayaan. Meskipun the risk dynamics and complexity of the financing portfolio.
tidak diwajibkan bagi seluruh anggota, sepanjang tahun Although not mandatory for all members, several Committee
2025 beberapa anggota Komite telah mengikuti berbagai members participated in various relevant educational and
kegiatan pendidikan dan pelatihan yang relevan. Kegiatan training activities throughout 2025. These activities aimed
ini bertujuan untuk memperkuat pemahaman mengenai to strengthen their understanding of credit risk management
praktik terbaik manajemen risiko kredit, meningkatkan best practices, improve their decision-making capabilities,
kapabilitas pengambilan keputusan, serta memastikan and ensure the implementation of prudent principles and
penerapan prinsip kehati-hatian dan tata kelola yang baik good governance in all credit activities.
dalam setiap aktivitas perkreditan.
Berikut adalah rangkaian kegiatan pendidikan dan pelatihan The following is a series of educational and training
yang diikuti oleh anggota Komite Kredit selama tahun 2025: activities attended by members of the Credit Committee
during 2025:
Jenis Pelatihan dan Materi
Posisi di
Pengembangan Kompetensi atau Waktu
Nama Komite Penyelenggara
No Pelatihan Pelaksanaan
Name Position in the Organizer
Types of Training and Competency Event Date
Committee
Development or Training Materials
1 Oh In Taek Ketua Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Chairman Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for the Board of Directors in this annual report.
2 Park Jin Je Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Member Pengembangan Kompetensi Direksi, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for the Board of Directors in this annual report.
3 Roh Jeong Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Hoon Member Pengembangan Kompetensi Komite Pengarah TI, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for IT Steering Committee in this annual report.
4 Rizweni Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Oktavia Member Pengembangan Kompetensi Komite Manajemen Risiko, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for Risk Management Committee in this annual report.
5 Probo Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Abhirama Member Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for Asset Liability Committee in this annual report.
6 Handry Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Husein Member Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for Asset Liability Committee in this annual report.
7 Park Jinwook Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Member Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for Asset Liability Committee in this annual report.
8 Robert Olof Anggota Daftar pelatihan yang diikuti beliau selama 2025 dapat dilihat pada Subbab Program
Member Pengembangan Kompetensi Komite Asset Liability, di dalam laporan tahunan ini.
List of the training courses he attended in 2025 is available in the subchapter on the Competency
Development Program for Asset Liability Committee in this annual report.
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Tata Kelola Perusahaan • Good Corporate Governance
Sekretaris Perusahaan
Corporate Secretary
Sekretaris Perusahaan memegang peran strategis dalam The Corporate Secretary plays a strategic role in upholding
menegakkan prinsip GCG di seluruh aktivitas Bank, GCG principles across all Bank activities, while also serving
sekaligus berfungsi sebagai penghubung (liaison officer) as a liaison officer between Management, the Board of
antara Manajemen, Dewan Komisaris, pemegang saham, Commissioners, shareholders, and external stakeholders.
dan pemangku kepentingan eksternal. Dalam menjalankan In carrying out this role, the Corporate Secretary is guided
peran tersebut, Sekretaris Perusahaan berpedoman pada by POJK Regulation No. 35/POJK.04/2014 (“POJK
regulasi POJK No. 35/POJK.04/2014 (“POJK 35/2014”) 35/2014”) concerning Corporate Secretaries of Issuers or
tentang Sekretaris Perusahaan Emiten atau Perusahaan Public Companies, while also complying with the Bank’s
Publik, sekaligus menyesuaikan dengan kebijakan internal internal policies.
Bank.
Sebagai bagian dari tanggung jawabnya, Sekretaris As part of his or her responsibilities, the Corporate
Perusahaan turut mengelola penyusunan dan pengelolaan Secretary also manages the preparation and management
dokumen korporasi strategis termasuk notulen of strategic corporate documents, including meeting
rapat, Laporan Tahunan, Laporan Keberlanjutan, dan minutes, the Annual Report, the Sustainability Report, and
korespondensi resmi. Dokumen-dokumen ini tidak hanya official correspondence. These documents not only ensure
memastikan keterbukaan informasi, tetapi juga menjadi information transparency but also serve as the basis for
landasan bagi pengambilan keputusan yang prudent, prudent decision-making, aligning with the Bank’s risk
selaras dengan risk appetite Bank, serta mendukung tata appetite, and supporting transparent and accountable
kelola yang transparan dan akuntabel di seluruh tingkatan governance at all levels of the organization.
organisasi.
Selain itu, Sekretaris Perusahaan juga mendukung Direksi Furthermore, the Corporate Secretary also supports the
dan Dewan Komisaris dalam melakukan pengawasan Board of Directors and Board of Commissioners in their
dan pengambilan keputusan, memastikan pelaksanaan oversight and decision-making, ensuring that meetings
rapat dilakukan sesuai tata tertib, regulasi, dan prinsip are conducted in accordance with rules, regulations, and
GCG. Dengan menjalankan seluruh peran strategis GCG principles. By carrying out all of these strategic roles,
tersebut, Sekretaris Perusahaan berkontribusi dalam the Corporate Secretary contributes to maintaining the
menjaga reputasi, kredibilitas, dan kepercayaan publik reputation, credibility, and public trust in the Bank, while
terhadap Bank, sekaligus memastikan seluruh keputusan ensuring that all corporate decisions and activities support
dan kegiatan korporasi mendukung keberlanjutan dan the sustainability and achievement of the Bank’s strategic
pencapaian tujuan strategis Bank. objectives.
Pedoman Kerja Sekretaris Perusahaan Corporate Secretary Work Guidelines
Dalam menjalankan tugas dan tanggung jawabnya, In carrying out their duties and responsibilities, the
Sekretaris Perusahaan berpedoman pada POJK No. 35/ Corporate Secretary is guided by POJK No. 35/
POJK.04/2014 tentang Sekretaris Perusahaan Emiten POJK.04/2014 concerning Corporate Secretaries of
atau Perusahaan Publik dan Standar Operasional Prosedur Issuers or Public Companies and the Corporate Secretary
Corporate Secretary tanggal 31 Desember 2025. Standard Operating Procedures dated December 31,
2025.
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Tata Kelola
TataPerusahaan • Good Corporate
Kelola Perusahaan • Good Corporate
Governance
Governance
Profil Sekretaris Perusahaan
Corporate Secretary Profile
Sri Suhartin
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Sekretaris Perusahaan
Corporate Secretary 39 tahun Indonesia Jakarta
39 years old Jakarta
DASAR PENGANGKATAN DAN PERIODE MENJABAT BASIS OF APPOINTMENT AND TERM OF OFFICE
Diangkat sejak 2022 berdasarkan Keputusan Direksi Bank No. 011/HRD/ Appointed in 2022 based on Bank Board of Directors Decree No. 011/HRD/
SK/XI/22 tanggal 24 November 2022 tentang Penetapan Jabatan. SK/XI/22 dated November 24, 2022, concerning Position Determination.
RIWAYAT PENDIDIKAN EDUCATIONAL BACKGROUND
Sarjana Hukum dari Universitas Diponegoro, Semarang (2010). Bachelor of Law from Diponegoro University, Semarang (2010).
SERTIFIKASI KEAHLIAN EXPERTISE CERTIFICATION
• Pendidikan Khusus Profesi Advokat – FHP Edu Law; • Special Education for the Advocate Profession – FHP Edu Law;
• Pendidikan Bahasa Inggris – Lembaga Bahasa LIA; • English Language Education – LIA Language Institute;
• Loan syndication from legal aspect perspective - LPPI • Loan syndication from a legal perspective – LPPI;
• Pengetahuan Dasar Perbankan dan Budaya Kepatuhan – Internal Bank • Basic Knowledge of Banking and Compliance Culture – Internal Bank
IBK Indonesia; IBK Indonesia;
• Pemanfaatan teknologi dan media digital untuk menjangkau investor - • Utilization of technology and digital media to reach investors – TICMI
TICMI & AEI; & AEI;
• Execution excellence – MSCO; • Execution excellence – MSCO;
• Pelatihan Berbasis Kompetensi Bidang Manajemen Risiko Perbankan • Competency-Based Training in Banking Risk Management, Qualification
Jenjang Kualifikasi 5 – PRAVEENA; Level 5 – PRAVEENA;
• Sertifikasi Kompetensi Bidang Manajemen Risiko Perbankan Jenjang • Banking Risk Management Competency Certification, Qualification
Kualifikasi 5 – LSPP; Level 5 – LSPP;
• Asset backed security in focus: opportunities and challenge in Indonesia • Asset-backed security in focus: opportunities and challenges in the
market – IDX; Indonesian market – IDX;
• Dampak negative judi online – refreshment - Internal Bank IBK Indonesia; • Negative impact of online gambling – refreshment – Internal Bank IBK
Indonesia;
• Anti suap dan korupsi – refreshment - Internal Bank IBK Indonesia; serta • Anti-bribery and corruption – refreshment – Internal Bank IBK Indonesia;
and
• IT security awareness – refreshment - Internal Bank IBK Indonesia. • IT security awareness – refreshment – Internal Bank IBK Indonesia.
RIWAYAT PEKERJAAN WORK EXPERIENCE
• Legal Staff PT Indonesia Epson Industry (April 2011-Desember 2013); • Legal Staff at PT Indonesia Epson Industry (April 2011-December
2013);
• Corporate Legal Officer PT Bank Agris Tbk (Desember 2013-September • Corporate Legal Officer at PT Bank Agris Tbk (December
2019); 2013-September 2019);
• Corporate Legal Section Head PT Bank IBK Indonesia Tbk (September • Corporate Legal Section Head at PT Bank IBK Indonesia Tbk
2019-April, 2022); dan (September 2019-April 2022); and
• Legal Departement Head PT Bank IBK Indonesia Tbk (April • Legal Department Head at PT Bank IBK Indonesia Tbk (April
2022-Desember 2022). 2022-December 2022).
RANGKAP JABATAN CONCURRENT POSITION
Beliau tidak memiliki rangkap jabatan, baik di internal maupun eksternal He does not hold concurrent positions, either internally or externally at the
Bank. Bank.
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak terafiliasi dengan anggota Direksi, anggota Dewan Komisaris, She is not affiliated with any member of the Board of Directors, Board of
maupun dengan Pemegang Saham Pengendali dan Utama, baik langsung Commissioners, or Controlling or Major Shareholders, either directly or
maupun tidak langsung sampai kepada pemilik individu. indirectly, including individual owners.
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Tata Kelola Perusahaan • Good Corporate Governance
Kedudukan Sekretaris Perusahaan di Position of the Corporate Secretary
Dalam Organisasi within the Organization
Dalam struktur organisasi Bank, Sekretaris Perusahaan Within the Bank’s organizational structure, the Corporate
berada di bawah Direktur Kepatuhan sehingga Secretary reports directly to the Compliance Director,
menempatkannya sebagai bagian integral dari fungsi placing him or her as an integral part of the compliance
kepatuhan dan tata kelola. Kedudukan tersebut menegaskan and governance functions. This position emphasizes
peran strategis Sekretaris Perusahaan dalam memastikan the Corporate Secretary’s strategic role in ensuring
transparansi, efisiensi, dan akuntabilitas di seluruh proses transparency, efficiency, and accountability across all
administratif, pelaporan, dan kepatuhan Bank. administrative, reporting, and compliance processes within
the Bank.
Tugas dan Tanggung Jawab Sekretaris Duties and Responsibilities of the
Perusahaan Corporate Secretary
Sekretaris Perusahaan menjalankan peran strategis dengan The Corporate Secretary performs a strategic role with the
uraian tugas dan tanggung jawab utama sebagai berikut: following primary duties and responsibilities:
1. Memberikan masukan kepada Direksi dan Dewan 1. Provide input to the Board of Directors and Board
Komisaris Emiten atau Perusahaan Publik untuk of Commissioners of Issuers or Public Companies
mematuhi ketentuan peraturan perundang-undangan to comply with the laws and regulations in Capital
di bidang Pasar Modal. Markets sector.
2. Membantu Direksi dan Dewan Komisaris dalam 2. Assist the Board of Directors and Board of
pelaksanaan tata kelola yang meliputi: Commissioners in implementing governance that
includes:
a. Keterbukaan informasi kepada masyarakat, a. Information disclosure to the public, including the
termasuk ketersediaan informasi pada situs web availability of information on the Issuer and Public
emiten dan perusahaan publik; Company website;
b. Penyampaian laporan kepada OJK tepat waktu; b. Submission of reports to OJK in a timely manner;
c. Penyelenggaraan dan dokumentasi RUPS; c. GMS implementation and documentation;
d. Penyelenggaraan dan dokumentasi rapat Direksi d. Implementation and documentation of
dan/atau Dewan Komisaris; meetings of Board of Directors and/or Board of
Commissioners;
e. Pelaksanaan program orientasi terhadap e. Implementation of the Company’s orientation
perusahaan bagi Direksi dan/atau Dewan programs for the Board of Directors and/or Board
Komisaris; of Commissioners;
f. Sebagai penghubung antara Emiten atau f. Acting as a liaison between Issuer or Public
Perusahaan Publik dengan Pemegang Saham Company and Shareholders of the Issuer or Public
Emiten atau Perusahaan Publik, OJK, BEI, BI, dan Company, OJK, IDX, BI, and other stakeholders;
pemangku kepentingan lainnya;
g. Pembentukan citra perusahaan Bank yang baik; g. Establishment of a good corporate image of the
Bank;
h. Memberikan informasi kepada para Pemegang h. Provision of information to Shareholders, OJK,
Saham, OJK, BEI, Investor, Analis, dan IDX, Investors, Analysts, and the public;
masyarakat;
i. Menyiapkan RUPS; i. Preparation of the GMS;
j. Pembuatan dan pelaporan rutin laporan j. Preparation and routine reporting of internal
internal perusahaan, laporan eksternal kepada Company reports, external reports to regulators,
regulator, serta Laporan Tahunan dan Laporan and Annual Report and Sustainability Report;
Keberlanjutan;
k. Pembuatan penyelenggaraan rapat reguler (rapat k. Implementation of regular meetings (Board of
Direksi, Dewan Komisaris, Komite) dan rapat non- Directors, Board of Commissioners, Committee
reguler; meetings) and non-regular meetings;
l. Memonitor peraturan-peraturan internal Bank; l. Monitoring the Bank’s internal regulations;
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Tata Kelola Perusahaan • Good Corporate Governance
m. Tertib administrasi dan dokumentasi (sebagai m. Orderly administration and documentation (as
custodian); custodian);
n. Mengoordinasikan kegiatan Corporate Social n. Coordinating Corporate Social Responsibility
Responsibility (CSR); (CSR) activities;
o. Mengoordinasikan kegiatan edukasi literasi o. Coordinating financial literacy education
keuangan; serta activities; and
p. Sebagai custodian kebijakan dan prosedur. p. As custodian of policies and procedures.
Program Pengembangan Kompetensi 2025 Corporate Secretary Competency
Sekretaris Perusahaan Tahun 2025 Development Program
Bank menyadari bahwa pengembangan kompetensi The Bank recognizes that developing the Corporate
Sekretaris Perusahaan merupakan aspek penting dalam Secretary’s competency is a crucial aspect in maintaining
menjaga efektivitas tata kelola, kepatuhan, dan adaptasi effective governance, compliance, and adapting to the
terhadap dinamika pasar modal, industri perbankan, dynamics of the capital market, the banking industry,
serta perubahan regulasi pemerintah dan Self Regulatory as well as changes in government and Self-Regulatory
Organization (SRO) terbaru. Pemantapan kompetensi ini Organization (SRO) regulations. Strengthening this
memastikan Sekretaris Perusahaan mampu menjalankan competency ensures that the Corporate Secretary is able
peran strategisnya secara profesional, akurat, dan selaras to carry out their strategic role professionally, accurately,
dengan prinsip GCG. and in line with GCG principles.
Sepanjang tahun 2025, Sekretaris Perusahaan telah Throughout 2025, the Corporate Secretary participated
mengikuti berbagai kegiatan pendidikan dan pelatihan in various educational and training activities, as well as
maupun sosialisasi yang dirancang untuk meningkatkan outreach activities designed to enhance knowledge, skills,
pengetahuan, keterampilan dan pemahaman regulasi, and understanding of regulations, including:
antara lain:
Jenis Pelatihan dan Materi Pengembangan
Waktu
Nama Kompetensi atau Pelatihan Penyelenggara
No Pelaksanaan
Name Types of Training and Competency Development or Organizer
Event Date
Training Materials
1. Sri Suhartin Loan syndication from legal aspect perspective Februari 2025 LPPI
February 2025
Pengetahuan Dasar Perbankan dan Budaya Kepatuhan Maret 2025 Internal IBK Indonesia
Basic Banking Knowledge and Compliance Culture March 2025
Pemanfaatan teknologi dan media digital untuk menjangkau investor April 2025 TICMI & AEI
Utilizing Technology and Digital Media to Reach Investors April 2025
Execution excellence Mei 2025 MSCO
May 2025
Pelatihan Berbasis Kompetensi Bidang Manajemen Risiko Mei 2025 PRAVEENA
Perbankan Jenjang Kualifikasi 5 May 2025
Competency-Based Training in Banking Risk Management,
Qualification Level 5
Sertifikasi Kompetensi Bidang Manajemen Risiko Perbankan Juni 2025 LSPP
Jenjang Kualifikasi 5 June 2025
Competency Certification in Banking Risk Management,
Qualification Level 5
Asset backed security in focus: opportunities and challenge in Agustus 2025 IDX
Indonesia market August 2025
Dampak negative judi online – refreshment September 2025 Internal IBK Indonesia
Negative Impact of Online Gambling – Refreshment September 2025
Anti suap dan korupsi – refreshment Oktober 2025 Internal IBK Indonesia
Anti-Bribery and Corruption - Refreshment October 2025
IT security awareness - refreshment Oktober 2025 Internal IBK Indonesia
October 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Laporan Pelaksanaan Tugas Sekretaris Corporate Secretary Duties
Perusahaan Tahun 2025 Implementation Report for 2025
Sepanjang tahun 2025, Sekretaris Perusahaan telah Throughout 2025, the Corporate Secretary performed his/
melaksanakan tugas-tugas pokoknya sebagaimana diatur her main duties as stipulated in POJK 35/2014, including
dalam POJK 35/2014, antara lain sebagai berikut: the following:
1. Mengatur pelaksanaan Rapat Umum Pemegang 1. Organizing the Annual General Meeting of
Saham Tahunan dan Rapat Umum Pemegang Saham Shareholders and the Extraordinary General Meeting
Luar Biasa; of Shareholders;
2. Mengatur pelaksanaan public expose; 2. Organizing the implementation of public exposes;
3. Mengatur aktivitas tanggung jawab sosial perusahaan 3. Organizing corporate social responsibility activities
dan kegiatan edukasi literasi; and literacy education activities;
4. Mengelola komunikasi dengan Otoritas Jasa Keuangan 4. Managing communications with the Financial Services
(OJK), Bursa Efek Indonesia (BEI), Kustodian Sentral Authority (OJK), the Indonesia Stock Exchange (IDX),
Efek Indonesia (KSEI), Kliring Penjaminan Efek the Indonesian Central Securities Depository (KSEI),
Indonesia (KPEI), Biro Administrasi Efek (BAE), dan the Indonesian Securities Clearing and Guarantee
institusi lainnya yang terkait; Corporation (KPEI), the Securities Administration
Bureau (BAE), and other relevant institutions;
5. Mengatur penyusunan Laporan Tahunan dan Laporan 5. Organizing the preparation of the Bank’s Annual
Keberlanjutan Bank; serta Report and Sustainability Report; and
6. Mengatur seluruh rapat yang dilakukan untuk Direksi 6. Organizing all meetings held for the Board of Directors
dan Dewan Komisaris serta membuat notulen rapat. and the Board of Commissioners and preparing
meeting minutes.
Satuan Kerja Audit Internal
Internal Audit Division
Satuan Kerja Audit Internal (SKAI) merupakan fungsi The Internal Audit Division (SKAI) is an independent function
independen di Bank yang bertugas memberikan keyakinan within the Bank tasked with providing objective assurance
objektif (assurance) kepada Manajemen dan Dewan to Management and the Board of Commissioners, while
Komisaris, sekaligus menyediakan layanan konsultasi also providing consulting and advisory services to all
dan advisory bagi seluruh unit kerja dengan tujuan work units with the aim of improving the effectiveness of
meningkatkan efektivitas proses bisnis, manajemen risiko, business processes, risk management, and internal control
dan sistem pengendalian internal, serta memperkuat nilai systems, as well as strengthening the Bank’s added value
tambah dan kinerja operasional Bank. and operational performance.
Dalam menjalankan mandatnya, SKAI bekerja secara In carrying out its mandate, the SKAI operates objectively,
objektif dengan mengacu pada Piagam Audit Internal adhering to the Internal Audit Charter and is regulated in
dan diatur lebih rinci melalui Kebijakan dan Prosedur more detail through Internal Audit Policies and Procedures,
Internal Audit sehingga seluruh aktivitas audit mendukung ensuring that all audit activities support prudent decision-
pengambilan keputusan yang prudent dan penerapan tata making and the ongoing implementation of good
kelola yang baik secara berkelanjutan. governance.
Melalui pelaksanaan audit internal yang efektif, SKAI Through effective internal audit implementation, the
berkontribusi signifikan dalam menjaga integritas, SKAI contributes significantly to maintaining the Bank’s
transparansi, dan kredibilitas Bank, sekaligus memastikan integrity, transparency, and credibility, while ensuring that
seluruh keputusan dan aktivitas operasional mendukung all decisions and operational activities consistently support
penerapan prinsip GCG secara konsisten sehingga the implementation of GCG principles, thus contributing
mendukung tercapainya keberlanjutan bisnis yang sehat to the achievement of healthy and sustainable business
dan berkesinambungan. continuity.
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Tata Kelola Perusahaan • Good Corporate Governance
Piagam Audit Internal Internal Audit Charter
Dalam menjalankan tugas dan tanggung jawabnya, seluruh In carrying out their duties and responsibilities, all Internal
personel SKAI wajib berpedoman pada Piagam Audit Audit personnel are required to adhere to the Internal
Internal. Piagam ini ditetapkan oleh Direktur Utama setelah Audit Charter. This charter is established by the President
memperoleh persetujuan dari Dewan Komisaris, dengan Director after obtaining approval from the Board of
mempertimbangkan rekomendasi dari Komite Audit, dan Commissioners, taking into account recommendations
menjadi landasan resmi bagi seluruh aktivitas SKAI. from the Audit Committee, and serves as the official basis
for all Internal Audit activities.
Piagam Audit Internal ditinjau secara berkala dan dapat The Internal Audit Charter is reviewed periodically and may
diperbarui sesuai kebutuhan untuk menjaga relevansinya be updated as needed to maintain its relevance to best
terhadap praktik GCG terbaik serta perubahan regulasi GCG practices and the latest regulatory changes. On
terkini. Pada 1 Juli 2025, Bank telah meratifikasi piagam July 1, 2025, the Bank ratified the charter through Decree
tersebut melalui Surat Keputusan Direksi PT Bank IBK of the Board of Directors of PT Bank IBK Indonesia Tbk
Indonesia Tbk No. SKEP.002/DIR/VII/25 tentang Piagam No. SKEP.002/DIR/VII/25 concerning the Internal Audit
Audit Internal. Charter.
Secara umum, Piagam Audit Internal mengatur hal-hal In general, the Internal Audit Charter regulates the
sebagai berikut: following:
1. Pendahuluan; 1. Introduction;
2. Visi dan Misi Audit Intern; 2. Vision and Mission of Internal Audit;
3. Struktur dan Kedudukan SKAI; 3. Structure and Position of the Internal Audit Unit;
4. Tugas dan Tanggung Jawab Pelaksanaan Fungsi 4. Duties and Responsibilities of Implementing the
Internal Audit; Internal Audit Function;
5. Wewenang Internal Audit; 5. Authority of Internal Audit;
6. Ruang Lingkup Kegiatan Audit Intern; 6. Scope of Internal Audit Activities;
7. Prinsip serta Standar Etika dan Profesionalisme 7. Principles and Standards of Ethics and Professionalism
Internal Audit; for Internal Audit;
8. Independensi Internal Audit; 8. Independence of Internal Audit;
9. Objektivitas dan Kebijakan Masa Tunggu (Cooling-Off 9. Objectivity and Cooling-Off Period Policy;
Period);
10. Akuntabilitas; 10. Accountability;
11. Persyaratan Internal Auditor; 11. Internal Auditor Requirements;
12. Program Pengendalian Mutu; 12. Quality Control Program;
13. Hubungan Internal Audit dengan Pihak Ekstern; dan 13. Internal Audit Relationship with External Parties; and
14. Penutup. 14. Closing.
Untuk mendukung transparansi dan akuntabilitas, Bank To support transparency and accountability, the Bank
mempublikasikan Piagam Audit Internal secara terbuka publishes the Internal Audit Charter publicly on its official
melalui situs web resmi di https://ibk.co.id/index, sehingga website at https://ibk.co.id/index, so that all stakeholders
seluruh pemangku kepentingan dapat mengakses dan can access and understand the Internal Audit work
memahami pedoman kerja SKAI. guidelines.
Tugas, Tanggung Jawab, dan Wewenang Duties, Responsibilities, and Authorities
SKAI of the Internal Audit Division
Uraian tugas dan tanggung jawab SKAI sebagaimana yang The duties and responsibilities of the Internal Audit Division,
diatur dalam Piagam Audit Internal, adalah sebagai berikut: as stipulated in the Internal Audit Charter, are as follows:
1. Membantu tugas Direktur Utama dan Dewan 1. Assist the President Director and Board of
Komisaris dalam melakukan pengawasan dengan cara Commissioners in monitoring by detailing the
menjabarkan secara operasional, baik perencanaan, operations of planning, implementation, reporting, or
pelaksanaan, pelaporan, maupun pemantauan hasil monitoring of the audit results;
audit;
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Tata Kelola Perusahaan • Good Corporate Governance
2. Melakukan pemeriksaan dan penilaian atas efisiensi 2. Conducting audits and assessing the efficiency and
dan efektivitas di bidang keuangan, akuntansi, effectiveness of finance, accounting, operations,
operasional, sumber daya manusia, pemasaran, human resources, marketing, information technology,
teknologi informasi dan kegiatan lainnya melalui and other activities through audits;
pelaksanaan audit;
3. Mengidentifikasi segala kemungkinan untuk 3. Identify all possibilities to improve and increase the
memperbaiki dan meningkatkan efisiensi penggunaan efficiency of use of resources and funds;
sumber daya dan dana;
4. Memberikan saran perbaikan dan informasi yang 4. Providing recommendations for improvement and
objektif terhadap hasil pemeriksaan dalam bentuk objective information on audit results in the form
Laporan Hasil Audit dan menyampaikan laporan of an Audit Report and submitting the report to the
tersebut kepada Direktur Utama dan Dewan Komisaris President Director and the Board of Commissioners,
dengan salinannya kepada Komite Audit dan Direktur with a copy to the Audit Committee and the Director
yang membawahkan fungsi Kepatuhan; responsible for Compliance;
5. Memberikan saran/advisory kepada pihak intern 5. Providing advice/advisory services to Bank IBK
Bank IBK Indonesia untuk memberikan nilai tambah Indonesia’s internal parties to add value and improve
dan perbaikan terhadap kualitas pengendalian, the quality of control, risk management, and corporate
pengelolaan risiko dan tata kelola perusahaan governance, provided that this does not affect the
sepanjang tidak memengaruhi independensi dan independence and objectivity of the Internal Audit, and
objektivitas Internal Audit, serta tersedia sumber daya that adequate resources are available;
yang memadai;
6. Melaksanakan pemantauan tindak lanjut hasil audit 6. Monitoring the follow-up of audit results and submitting
serta menyampaikan laporan pending tindak lanjut pending audit follow-up reports to the President
hasil audit kepada Direktur Utama dan Dewan Director and the Board of Commissioners, with copies
Komisaris dengan salinannya kepada Komite Audit to the Audit Committee and the Directors responsible
serta Direktur yang membawahkan fungsinya secara for their functions on a periodic basis;
periodik;
7. Melakukan audit pendalaman sesuai permintaan 7. Conducting in-depth audits at the request of the
Direksi dan/atau Komisaris, atau sebagai tindak lanjut Board of Directors and/or Commissioners, or as a
hasil audit umum terhadap suatu objek atau peristiwa follow-up to general audit results on an object or event
yang diduga mengandung indikasi pelanggaran dan/ suspected of containing indications of violations and/
atau fraud apabila diperlukan; serta or fraud, if necessary; and
8. Internal Audit bekerja sama dengan unit kerja yang 8. Internal Audit collaborates with work units that perform
melakukan fungsi pengendalian intern lainnya. other internal control functions.
Agar tugas dan tanggung jawabnya dapat berjalan dengan To ensure optimal performance of its duties and
hasil yang optimal, Internal Audit diberikan wewenang responsibilities, Internal Audit is authorized to:
untuk:
1. Melakukan akses secara penuh, bebas dan tidak 1. Obtain full, free, and unrestricted access to records,
terbatas terhadap catatan, informasi, karyawan, information, employees, funds, assets, locations/
dana, aset, lokasi/area dan sumber daya lain Bank areas, and other resources of Bank IBK Indonesia,
IBK Indonesia termasuk terhadap perusahaan anak/ including subsidiaries/affiliates/financial services
afiliasi/lembaga jasa keuangan yang dimiliki Bank IBK institutions owned by Bank IBK Indonesia related to
Indonesia yang berkaitan dengan pelaksanaan audit the implementation of audits and consultations;
dan konsultasi;
2. Melakukan verifikasi, wawancara, konfirmasi dan teknik 2. Conducting verification, interviews, confirmations,
pemeriksaan lainnya kepada nasabah atau pihak lain and other audit techniques with customers or other
berkaitan dengan pelaksanaan audit dan konsultasi; parties related to the implementation of audits and
consultations;
3. Melakukan komunikasi secara langsung dengan 3. Communicating directly with the Board of Directors,
Direksi, Dewan Komisaris dan Komite Audit; the Board of Commissioners, and the Audit Committee;
4. Melakukan rapat secara berkala dan insidentil dengan 4. Conduct regular and ad hoc meetings with the Board
Direksi, Dewan Komisaris, dan Komite Audit; of Directors, Board of Commissioners, and Audit
Committee;
5. Mengikuti rapat yang bersifat strategis; 5. Attend strategic meetings;
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Tata Kelola Perusahaan • Good Corporate Governance
6. Meminta bantuan dari unit kerja lain atau menggunakan 6. Request assistance from other work units or utilize the
jasa pihak ekstern dalam pelaksanaan audit apabila services of external parties in conducting audits when
dipandang perlu. deemed necessary.
Melakukan koordinasi dan membangun hubungan sinergis Coordinate and build synergistic relationships with other
dengan unit/fungsi penyelenggaraan assurance lainnya assurance units/functions (compliance unit and risk
(compliance unit dan manajemen risiko) guna memperoleh management) to achieve comprehensive and optimal audit
hasil audit yang komprehensif dan optimal. results.
Kedudukan SKAI dalam Struktur Position of the Internal Audit Division in
Organisasi the Organizational Structure
Kedudukan Divisi SKAI di Bank berada di bawah Direktur The Internal Audit (SKAI) Division at the Bank is
Utama dan memiliki jalur komunikasi langsung (dotted subordinate to the President Director and has a direct
lines) dengan Dewan Komisaris melalui Komite Audit. line of communication (dotted lines) with the Board
Struktur ini dirancang untuk menjamin independensi serta of Commissioners through the Audit Committee. This
memastikan kelancaran pelaksanaan tugas dan tanggung structure is designed to guarantee independence and
jawab Divisi SKAI dalam melaksanakan fungsi pengawasan ensure the smooth implementation of the SKAI Division’s
dan audit internal. duties and responsibilities in carrying out its internal audit
and oversight functions.
Struktur organisasi Divisi SKAI per 31 Desember 2025 The organizational structure of the SKAI Division as of
diuraikan pada bagan berikut ini: December 31, 2025, is outlined in the following chart:
Direktur Utama
President Director
Komite Audit
Audit Committee
Kepala Divisi Audit Internal
Internal Audit Division Head
Kepala Departmen Audit HO Kepala Departemen Audit Cabang
Head Office Audit Department. Head Branch Audit Department Head
Head Office Audit Branch Audit Quality Assurance
IT Audit
Dalam menjalankan tugasnya, Kepala Divisi SKAI dibantu In carrying out their duties, the Head of the Internal Audit
oleh sejumlah auditor internal yang memiliki kompetensi Division is assisted by a number of internal auditors with
dan kualifikasi memadai untuk membantu terlaksananya sufficient competence and qualifications to ensure the
kegiatan audit secara menyeluruh, mulai dari perencanaan, comprehensive implementation of audit activities, from
pelaksanaan, hingga pelaporan hasil audit. Kehadiran tim planning and implementation to reporting of audit results.
auditor yang kompeten dan profesional ini memastikan The presence of this competent and professional team of
bahwa setiap penugasan audit dapat dilaksanakan secara auditors ensures that every audit assignment is carried
efektif, efisien, dan sesuai dengan standar operasional out effectively, efficiently, and in accordance with the
Perseroan. Company’s operational standards.
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Tata Kelola Perusahaan • Good Corporate Governance
Pihak Yang Mengangkat dan Who Appoints and Dismisses the Head of
Memberhentikan Kepala SKAI the Internal Audit Division
Kepala Divisi SKAI diangkat dan diberhentikan oleh Direktur The Head of the Internal Audit Division is appointed and
Utama setelah memperoleh persetujuan dari Dewan dismissed by the President Director after obtaining approval
Komisaris, dengan mempertimbangkan rekomendasi dari from the Board of Commissioners, taking into account
Komite Audit. Dalam pelaksanaannya, Direktur Utama recommendations from the Audit Committee. In practice,
memiliki wewenang untuk memberhentikan Kepala Divisi the President Director has the authority to dismiss the
Internal Audit apabila yang bersangkutan tidak memenuhi Head of the Internal Audit Division if the person concerned
persyaratan kepemimpinan fungsi audit sesuai peraturan does not meet the requirements for leadership of the
yang berlaku, atau terbukti gagal maupun kurang cakap audit function as per applicable regulations, or is proven
dalam menjalankan tugas dan tanggung jawabnya. Seluruh to have failed or been incompetent in carrying out their
tahapan pengangkatan, pergantian, atau pemberhentian duties and responsibilities. All stages of the appointment,
Kepala Divisi SKAI wajib dilaporkan secara luring kepada replacement, or dismissal of the Head of the Internal Audit
OJK paling lambat 10 (sepuluh) hari kerja setelah tanggal Division must be reported offline to the Financial Services
pengangkatan atau pemberhentian. Authority (OJK) no later than 10 (ten) business days after
the date of appointment or dismissal.
Independensi dan Objektivitas SKAI Independence and Objectivity of the
Internal Audit Division
Guna menjaga integritas, objektivitas, dan independensi To maintain the integrity, objectivity, and independence of
proses audit, SKAI secara langsung menyampaikan the audit process, the Internal Audit Unit reports directly
pelaporan kepada Direktur Utama serta memiliki akses to the President Director and has adequate and unlimited
komunikasi yang memadai dan tanpa batas kepada Dewan communication access to the Board of Commissioners
Komisaris melalui Komite Audit. Struktur ini memastikan through the Audit Committee. This structure ensures
setiap temuan, rekomendasi, dan laporan hasil audit dapat that all audit findings, recommendations, and reports are
disampaikan secara utuh dan transparan, tanpa pengaruh presented in a complete and transparent manner, without
maupun intervensi dari pihak manajemen. influence or intervention from management.
Bank memastikan bahwa seluruh kegiatan audit internal The Bank ensures that all internal audit activities are carried
dilaksanakan secara independen dan bebas dari pengaruh out independently and free from influence from all aspects
seluruh aspek organisasi, termasuk dalam penetapan of the organization, including determining audit objectives,
objek audit, penentuan ruang lingkup, metodologi dan determining the scope, audit methodology and procedures,
prosedur audit, frekuensi serta waktu pelaksanaan audit, the frequency and timing of audits, and preparing and
hingga penyusunan dan penyampaian laporan hasil submitting audit reports. Audit implementation also
audit. Pelaksanaan audit juga mengedepankan prinsip prioritizes the principle of objectivity, requiring internal
objektivitas, di mana auditor internal wajib bersikap auditors to be professional, impartial, and free from conflicts
profesional, tidak memihak, dan bebas dari benturan of interest in every audit assignment.
kepentingan dalam setiap penugasan audit.
Selain itu, auditor internal tidak diperkenankan menjalankan Furthermore, internal auditors are not permitted to perform
fungsi operasional maupun memiliki kewenangan dalam operational functions or have authority in business
pengambilan keputusan bisnis. Bank juga menerapkan decisions. The Bank also implements rotation provisions
ketentuan rotasi dan cooling-off period bagi personel audit and cooling-off periods for internal audit personnel in
internal sesuai dengan Piagam Audit Intern dan peraturan accordance with the Internal Audit Charter and applicable
yang berlaku agar independensi dan objektivitas tetap regulations to maintain independence and objectivity,
terjaga, khususnya dalam penugasan audit pada unit kerja particularly in audit assignments to work units previously
yang sebelumnya pernah menjadi area tanggung jawab under the auditor’s responsibility.
auditor yang bersangkutan.
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Tata Kelola Perusahaan • Good Corporate Governance
Melalui penerapan prinsip independensi, objektivitas, By implementing the principles of independence, objectivity,
serta mekanisme cooling-off period tersebut, fungsi audit and the cooling-off period mechanism, the internal audit
internal dapat berperan secara optimal dalam memperkuat function can play an optimal role in strengthening the
tata kelola, manajemen risiko, dan sistem pengendalian Bank’s governance, risk management, and internal control
internal Bank. systems.
Profil Kepala SKAI
Head of Internal Audit Division (SKAI) Profile
Astrina
USIA | AGE KEWARGANEGARAAN | CITIZENSHIP DOMISILI | DOMICILE
Kepala Divisi SKAI
Head of Internal Audit Division 44 tahun Indonesia Bekasi
44 years old Bekasi
DASAR PENGANGKATAN DAN PERIODE MENJABAT BASIS OF APPOINTMENT AND TERM OF OFFICE
Diangkat sejak 2024 berdasarkan Surat Keputusan Direksi No. SKEP.029/ Appointed in 2024 based on Board of Directors Decree No. SKEP.029/
HRD/SK/IV/2024 tanggal 26 April 2024 perihal Penetapan Jabatan HRD/SK/IV/2024 dated April 26, 2024, concerning the Determination of
sebagai Pelaksana Tugas. the Position as Acting Officer.
RIWAYAT PENDIDIKAN EDUCATIONAL BACKGROUND
Sarjana Akuntansi dari Universitas Padjadjaran, Bandung (2004). Bachelor’s Degree in Accounting from Padjadjaran University, Bandung
(2004).
SERTIFIKASI KEAHLIAN EXPERTISE CERTIFICATION
• Certified Internal Auditor (CIA); • Certified Internal Auditor (CIA);
• Certificate in International Trade Finance (CITF); dan • Certificate in International Trade Finance (CITF); and
• Sertifikasi Manajemen Risiko Perbankan. • Banking Risk Management Certification.
RIWAYAT PEKERJAAN WORK EXPERIENCE
• Vice President Internal Audit di PT Jalin Pembayaran Nusantara (2022- • Vice President of Internal Audit at PT Jalin Pembayaran Nusantara
2024) (2022-2024);
• Internal Audit Senior Manager di PT Ruang Raya Indonesia (Februari- • Internal Audit Senior Manager at PT Ruang Raya Indonesia (February-
Oktober 2022); October 2022);
• Risk Management & Compliance Dept. Head di PT Aeon Credit Service • Risk Management & Compliance Dept. Head at PT Aeon Credit Service
Indonesia (2019-2021); Indonesia (2019-2021);
• Internal Audit Dept. Head di PT Aeon Credit Service Indonesia (2017- • Internal Audit Dept. Head at PT Aeon Credit Service Indonesia (2017-
2019); 2019);
• Correspondent Banking Relationship Manager di PT Bank Negara • Correspondent Banking Relationship Manager at PT Bank Negara
Indonesia (2015-2017); Indonesia (2015-2017);
• Internal Audit Manager di PT Bank Negara Indonesia (2010-2015); • Internal Audit Manager at PT Bank Negara Indonesia (2010-2015);
• Internal Audit Assistant Manager di PT Bank Negara Indonesia (2005- • Internal Audit Assistant Manager at PT Bank Negara Indonesia (2005-
2010); serta 2010); serta
• Junior Auditor KAP Ellya Noorlisyati & Rekan (2004-2005). • Junior Auditor at KAP Ellya Noorlisyati & Rekan (2004-2005).
RANGKAP JABATAN CONCURRENT POSITION
Beliau tidak memiliki rangkap jabatan, baik di internal maupun eksternal He does not hold concurrent positions, either internally or externally at the
Bank. Bank.
HUBUNGAN AFILIASI AFFIALIATED RELATIONSHIP
Beliau tidak terafiliasi dengan anggota Direksi, anggota Dewan Komisaris, He is not affiliated with any members of the Board of Directors, members
maupun dengan Pemegang Saham Pengendali dan Utama, baik langsung of the Board of Commissioners, or with the Controlling and Majority
maupun tidak langsung sampai kepada pemilik individu. Shareholders, either directly or indirectly, down to the individual owners.
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Tata Kelola Perusahaan • Good Corporate Governance
Pengangkatan Ibu Astrina sebagai Kepala Divisi SKAI Bank The appointment of Ms. Astrina as Head of the Bank’s
telah dilaporkan ke OJK melalui Surat Keputusan Direksi Internal Audit Division has been reported to the Financial
No. 029/HRD/SK/IV/2024. Services Authority (OJK) through Board of Directors
Decree No. 029/HRD/SK/IV/2024.
Kualifikasi atau Sertifikasi Sebagai Qualifications or Certification as an
Auditor Internal Internal Auditor
Bank telah menetapkan kualifikasi kunci yang wajib The Bank has established key qualifications that must be
dipenuhi oleh setiap auditor internal, yaitu sebagai berikut: met by every internal auditor, as follows:
1. Memiliki integritas dan perilaku yang profesional, 1. Possess integrity and professional, independent,
independen, jujur, dan objektif dalam pelaksanaan honest, and objective behavior in carrying out their
tugas; duties;
2. Memiliki pengetahuan dan pengalaman mengenai 2. Possess knowledge and experience in audit
teknis audit dan disiplin ilmu lain yang relevan dengan techniques and other disciplines relevant to their field
bidang tugas; of work;
3. Memiliki pengetahuan tentang peraturan perundang- 3. Possess knowledge of banking and capital market
undangan di bidang perbankan dan pasar modal serta laws and regulations, as well as other related laws and
peraturan perundang-undangan terkait lainnya; regulations;
4. Memiliki kecakapan untuk berinteraksi dan 4. Possess the ability to interact and communicate
berkomunikasi baik lisan dan tertulis secara efektif; effectively, both verbally and in writing;
5. Mematuhi standar profesi dan Prinsip dan Standar 5. Comply with professional standards and the Principles
Etika dan Profesionalisme Internal Audit; and Standards of Ethics and Professionalism for
Internal Audit;
6. Menjaga kerahasiaan informasi dan/atau data 6. Maintain the confidentiality of company information
perusahaan terkait dengan pelaksanaan tugas dan and/or data related to the implementation of Internal
tanggung jawab Internal Audit kecuali diwajibkan Audit duties and responsibilities, unless required by
berdasarkan peraturan perundang-undangan atau law or court rulings/decisions;
penetapan/putusan pengadilan;
7. Memahami prinsip-prinsip Tata Kelola Perusahaan 7. Understand the principles of good corporate
yang baik dan manajemen risiko; serta governance and risk management; and
8. Senantiasa meningkatkan pengetahuan, keahlian dan 8. Continuously improve their knowledge, expertise, and
kemampuan profesionalnya secara terus-menerus. professional abilities.
Komposisi SDM di SKAI HR Composition in the Internal Audit
Division
Per 31 Desember 2025, jumlah anggota SKAI tercatat As of December 31, 2025, the Internal Audit Division had
sebanyak 13 (tiga belas) orang, dengan komposisi sebagai 13 (thirteen) members, with the following composition:
berikut:
Jabatan Jumlah (orang)
Position Total (people)
Division Head 1
Department Head 2
HO Auditor 2
IT Auditor 2
Operational Auditor 5
Quality Assurance Auditor 1
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Tata Kelola Perusahaan • Good Corporate Governance
Kualifikasi dan Sertifikasi Personil Personnel Qualifications and Certification
Bank memastikan pemenuhan kualifikasi dan kompetensi The Bank ensures that the qualifications and competencies
personel SKAI sesuai dengan ketentuan peraturan of Internal Audit Division (SKAI) personnel comply
perundang-undangan yang berlaku, termasuk Peraturan with applicable laws and regulations, including Bank
Bank Indonesia No. 12/7/PBI/2010 tentang Sertifikasi Indonesia Regulation No. 12/7/PBI/2010 concerning Risk
Manajemen Risiko bagi Pengurus dan Pejabat Bank Umum. Management Certification for Management and Officers of
Pemenuhan ketentuan tersebut dilakukan sebagai bagian Commercial Banks. Compliance with these requirements
dari penerapan fungsi audit internal yang efektif dan sesuai is part of the effective implementation of the internal audit
prinsip kehati-hatian. function and adherence to prudent principles.
Pada tahun 2025, personel SKAI telah memiliki sertifikasi By 2025, Internal Audit Division (SKAI) personnel
yang dipersyaratkan dan relevan dengan pelaksanaan will possess the required certifications relevant to the
tugas audit internal, antara lain Sertifikasi Manajemen implementation of internal audit duties, including Risk
Risiko, Certified Internal Auditor (CIA), Qualified Internal Management Certification, Certified Internal Auditor (CIA),
Auditor (QIA), Certified Information Systems Auditor Qualified Internal Auditor (QIA), Certified Information
(CISA), Certified Bank Internal Auditor (CBIA) serta Lead Systems Auditor (CISA), Certified Bank Internal Auditor
Auditor ISO 37001 Sistem Manajemen Anti-Penyuapan. (CBIA), and Lead Auditor for the ISO 37001 Anti-Bribery
Kepemilikan sertifikasi tersebut mendukung pelaksanaan Management System. These certifications support the
fungsi audit internal secara profesional, independen, dan professional, independent, and objective implementation
objektif, serta memastikan kesesuaian dengan standar of the internal audit function and ensure compliance
audit internal dan ketentuan tata kelola yang berlaku. with applicable internal audit standards and governance
requirements.
Rapat SKAI Internal Audit Division Meetings
Kebijakan Rapat Meeting Policy
Sesuai dengan ketentuan Piagam Audit Intern dan In accordance with the Internal Audit Charter and as
sebagaimana diatur dalam POJK 56/2015, SKAI stipulated in POJK 56/2015, the Internal Audit Unit has
memiliki kewenangan untuk melakukan komunikasi dan the authority to communicate and hold meetings directly
menyelenggarakan rapat secara langsung dengan Direksi, with the Board of Directors, the Board of Commissioners,
Dewan Komisaris, dan Komite Audit, baik secara berkala and the Audit Committee, both periodically and on an
maupun insidentil. Kewenangan tersebut dimaksudkan ad hoc basis. This authority is intended to support the
untuk mendukung efektivitas pelaksanaan tugas dan fungsi effective implementation of the Internal Audit Unit’s duties
SKAI, serta memastikan setiap penugasan audit dapat and functions and to ensure that each audit assignment
dilaksanakan secara terarah, terkendali, dan sesuai dengan is carried out in a focused, controlled manner, and in
rencana audit yang telah ditetapkan. accordance with the established audit plan.
Frekuensi dan Tingkat Kehadiran Anggota dalam Frequency and Attendance of Members at Meetings
Rapat
Berikut disajikan informasi mengenai frekuensi pelaksanaan The following information presents information regarding
rapat serta tingkat kehadiran anggota SKAI dalam rapat the frequency of meetings and the attendance of Internal
bersama organ-organ utama Bank dan Komite Audit Audit Unit members in meetings with the Bank’s main
sepanjang tahun 2025: organs and the Audit Committee throughout 2025:
Rapat dengan Frekuensi Rapat Kehadiran Rapat Persentase Kehadiran
Meeting with Frequency of Meeting Meeting Attendance Percentage
Direksi
12 12 100%
Board of Directors
Dewan Komisaris
- - -
Board of Commissioners
Komite Audit
13 13 100%
Audit Committee
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Tata Kelola Perusahaan • Good Corporate Governance
Program Pengembangan Kompetensi 2025 Internal Audit Division Competency
SKAI Tahun 2025 Development Program
Pengembangan kompetensi auditor internal merupakan Internal auditor competency development is a key element
elemen kunci dalam menjaga efektivitas pelaksanaan in maintaining the effectiveness of the internal audit
fungsi audit internal seiring dengan meningkatnya function in line with the increasing complexity of risks,
kompleksitas risiko, dinamika bisnis perbankan, serta the dynamics of the banking business, and developments
perkembangan regulasi dan standar profesional. Oleh in regulations and professional standards. Therefore,
karena itu, SKAI secara berkelanjutan melaksanakan the Internal Audit Division continuously implements
program pengembangan kompetensi untuk memastikan competency development programs to ensure internal
auditor internal memiliki kapabilitas yang memadai dalam auditors have adequate capabilities to provide assurance
memberikan assurance dan layanan advisori secara and advisory services in a professional, independent, and
profesional, independen, dan objektif. objective manner.
Dalam rangka tersebut, personel SKAI telah mengikuti To this end, Internal Audit Division personnel participated
berbagai kegiatan pendidikan dan pelatihan sepanjang in various educational and training activities throughout
tahun 2025, yaitu sebagai berikut: 2025, including the following:
Jenis Pelatihan dan Materi
Pengembangan Kompetensi
Nama Posisi atau Pelatihan Waktu Pelaksanaan Penyelenggara
No
Name Position Types of Training and Event Date Organizer
Competency Development or
Training Materials
1. Refki Branch Audit Ujian Sertifikasi Manajemen Risiko 26-27 Mei 2025 LSPP
Jenjang 4 May 26-27, 2025
Risk Management Certification Exam
Level 4
2. Seluruh - APU PPT & PPPSPM 28 Mei 2025 Trainer Internal
anggota Divisi AML-CFT & and Prevention of May 28, 2025
All Division Financing of the Proliferation of
Member Weapons of Mass Destruction
International Banking 23 April 2025 Trainer Internal
April 23, 2025
Auditing Trade Finance 28 April 2025 ICC
April 28, 2025
Procurement Audit 29-30 April 2025 IAIB
April 29-30, 2025
3. Astrina Division Head Certificate of International Trade 11 September-1 ICC
Finance (CITF) November 2025
September 11-November
1, 2025
4. • Astrina Div. Head Refreshment Training Sertifikasi 14-15 April 2025 Praveena
• Ricky W. Quality Assurance Manajemen Risiko Jenjang 5 April 14-15, 2025
Risk Management Certification Level
5 Refreshment Training
5. Ricky Quality Assurance Training Building Sustainable Quality 8-9 September 2025 IIA
Windhyarto Program September 8-9, 2025
Building Sustainable Quality Program
Training
6. Helmi Sigit IT Audit Training dan Sertifikasi Certified 28 Juli-1 Agustus 2025 ISACA
Suseno Information Systems Auditor (CISA) July 28-August 1, 2025
Certified Information Systems Auditor
(CISA) Training and Certification
7. • Agung HO Audit Continuous Audit and Data Analytic 21-22 Juli 2025 IIA
Wicaksono Branch Audit July 21-22, 2025
• Fahry A.N.
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Jenis Pelatihan dan Materi
Pengembangan Kompetensi
Nama Posisi atau Pelatihan Waktu Pelaksanaan Penyelenggara
No
Name Position Types of Training and Event Date Organizer
Competency Development or
Training Materials
8. Nining Branch Audit Internal Control COSO - 2013 8-9 Mei 2025 YPIA
Hidayanti Internal Control Framework May 8-9, 2025
9. Dea Ardilles S. Branch Audit Understanding and Practice of Internal 3 Desember 2025 Deloitte
Dept. Head Control Over Financing Reporting December 3, 2025
(ICOFR)
Laporan Pelaksanaan Tugas SKAI Tahun 2025 Internal Audit Division Duties
2025 Implementation Report
Sepanjang tahun 2025, SKAI telah melaksanakan Throughout 2025, the Internal Audit Division carried out
tugas dan tanggung jawabnya dengan baik dan efektif its duties and responsibilities effectively and effectively, as
sebagaimana diuraikan berikut: described below:
1. Pemeriksaan cabang dan divisi tercapai sesuai Audit 1. Branch and division audits were achieved in
Plan yang telah ditentukan; accordance with the established Audit Plan;
2. Pemeriksaan khusus sesuai instruksi Direktur Utama; 2. Special audits were conducted in accordance with
the instructions of the President Director;
3. Kaji ulang Kebijakan dan Prosedur Internal Audit; 3. Review of Internal Audit Policies and Procedures;
4. Pengembangan remote audit; 4. Development of remote audits;
5. Implementasi Branch Self Audit; serta 5. Implementation of Branch Self-Audit; and
6. Memberikan saran perbaikan dan informasi yang 6. Providing recommendations for improvement and
objektif tentang kegiatan yang diperiksa pada seluruh objective information on audited activities at all
tingkatan manajemen. management levels.
Temuan dan Tindak Lanjut Tahun 2025 Findings and Follow-up in 2025
Sepanjang tahun 2025, SKAI telah melaksanakan Throughout 2025, the Internal Audit Division carried out
penugasan audit internal berdasarkan pendekatan risk- internal audit assignments based on a risk-based audit
based audit sebagaimana diamanatkan dalam POJK approach as mandated by POJK No. 1/POJK.03/2019
No. 1/POJK.03/2019 tentang Fungsi Audit Intern concerning the Implementation of Internal Audit Function in
pada Bank Umum dan POJK 56/2015. Audit tersebut Commercial Banks and POJK 56/2015. These audits were
dilakukan untuk menilai kecukupan dan efektivitas sistem conducted to assess the adequacy and effectiveness of
pengendalian internal, manajemen risiko, kepatuhan the internal control system, risk management, compliance
terhadap ketentuan regulator, serta kesesuaian with regulatory requirements, and the conformity of
pelaksanaan operasional dengan kebijakan dan prosedur operational implementation with the Bank’s internal policies
internal Bank. and procedures.
Berdasarkan pelaksanaan audit tersebut, SKAI Based on the audit, the Internal Audit Division (SKAI)
menyampaikan sejumlah temuan audit yang mencakup reported several audit findings covering aspects of
aspek tata kelola, proses bisnis, kepatuhan, serta efektivitas governance, business processes, compliance, and internal
pengendalian internal. Pada tahun 2025, SKAI mencatat control effectiveness. In 2025, the SKAI recorded 291 audit
sebanyak 291 temuan audit atau 493 action plan. Seluruh findings or 493 action plans. All findings were accompanied
temuan tersebut disertai dengan rekomendasi perbaikan by constructive and applicable recommendations for
yang bersifat konstruktif dan aplikatif guna memperkuat improvement to strengthen the control system and mitigate
sistem pengendalian dan memitigasi risiko yang melekat. inherent risks.
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Seluruh hasil audit dan rekomendasi SKAI disampaikan All audit results and recommendations from the SKAI were
kepada Direksi dan dilaporkan kepada Dewan Komisaris submitted to the Board of Directors and reported to the
melalui Komite Audit sesuai dengan mekanisme pelaporan Board of Commissioners through the Audit Committee
yang berlaku. Komite Audit secara aktif melakukan in accordance with applicable reporting mechanisms.
penelaahan atas temuan audit, menilai kecukupan rencana The Audit Committee actively reviewed audit findings,
tindak lanjut yang disusun oleh unit kerja terkait, serta assessed the adequacy of follow-up plans prepared by
memberikan arahan strategis guna memastikan bahwa relevant work units, and provided strategic direction to
tindak lanjut dilakukan secara tepat waktu, efektif, dan ensure that follow-up actions were timely, effective, and in
sejalan dengan prinsip kehati-hatian perbankan. line with prudent banking principles.
Tindak lanjut atas temuan audit dilaksanakan oleh unit kerja Follow-up on audit findings was implemented by relevant
terkait berdasarkan rencana aksi (action plan) yang telah work units based on agreed action plans, with continuous
disepakati dengan pemantauan berkelanjutan oleh SKAI. monitoring by the SKAI. Throughout 2025, the completion
Sepanjang tahun 2025, tingkat penyelesaian tindak lanjut rate for follow-up actions on audit findings reached 84%,
temuan audit mencapai 84%, sementara 77 action plan with 77 action plans still in progress and 416 action
masih dalam proses penyelesaian dan 416 action plan plans fully completed. For action plans that have not been
telah diselesaikan sepenuhnya. Terhadap action plan yang completed according to the target time, SKAI escalates to
belum terselesaikan sesuai target waktu, SKAI melakukan Management and the Audit Committee to ensure that the
eskalasi kepada Manajemen dan Komite Audit untuk commitment to completion is maintained.
memastikan komitmen penyelesaian tetap terjaga.
Status Jumlah Action Plan Persentase Tindak Lanjut
Status Total Action Plan Percentage of Follow-up
In Progress 72 15%
Extend 5 1%
Closed (Done) 416 84%
Jumlah
493 100%
Total
Dengan menerapkan proses pemantauan tindak lanjut By implementing a structured and disciplined follow-up
yang terstruktur dan disiplin, Bank memastikan bahwa monitoring process, the Bank ensures that every audit
setiap temuan audit tidak hanya diselesaikan secara finding is not only resolved administratively but also results
administratif, tetapi juga menghasilkan perbaikan yang in continuous improvements to processes, systems, and
berkelanjutan terhadap proses, sistem, dan pengendalian internal controls. This synergy between the Internal Audit
internal. Sinergi antara SKAI, Manajemen, dan Komite Division, Management, and the Audit Committee is an
Audit ini merupakan bagian integral dari penerapan prinsip integral part of the implementation of GCG principles
GCG, serta berperan penting dalam menjaga integritas and plays a vital role in maintaining operational integrity,
operasional, kepatuhan terhadap ketentuan regulator, dan compliance with regulatory requirements, and the Bank’s
keberlanjutan usaha Bank secara sehat dan prudent. healthy and prudent business continuity.
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Tata Kelola Perusahaan • Good Corporate Governance Fungsi Kepatuhan Compliance Function Sebagaimana tertuang dalam POJK No. 46/POJK.03/2017 As stipulated in OJK Regulation No. 46/POJK.03/2017 tentang Pelaksanaan Fungsi Kepatuhan Bank Umum, concerning the Implementation of the Compliance Function fungsi kepatuhan adalah serangkaian tindakan atau of Commercial Banks, the compliance function is a series langkah-langkah yang bersifat preventif (ex-ante) untuk of preventive (ex-ante) actions or measures to ensure that memastikan bahwa kebijakan, ketentuan, sistem, dan the policies, provisions, systems, and procedures, as well prosedur, serta kegiatan usaha yang dilakukan oleh Bank as business activities conducted by the Bank, comply with telah sesuai dengan ketentuan Otoritas Jasa Keuangan the provisions of the Financial Services Authority (OJK) and dan ketentuan peraturan perundang-undangan, serta other applicable laws and regulations, as well as to ensure memastikan kepatuhan Bank terhadap komitmen yang the Bank’s compliance with commitments made to the OJK dibuat oleh Bank kepada Otoritas Jasa Keuangan dan/atau and/or other authorized supervisory authorities. otoritas pengawas lain yang berwenang. Dalam menghadapi dinamika industri perbankan yang In facing the ever-evolving dynamics of the banking industry, terus berkembang, Bank menempatkan kepatuhan sebagai the Bank places compliance as the primary foundation of fondasi utama tata kelola yang sehat dan berintegritas. sound and integrity-based governance. The Compliance Fungsi Kepatuhan tidak hanya berperan sebagai pengawas Function not only acts as an internal supervisor but also internal, tetapi juga sebagai mitra strategis Direksi dalam as a strategic partner to the Board of Directors in ensuring memastikan seluruh kegiatan operasional bank berjalan that all bank operations are carried out in accordance with sesuai prinsip kehati-hatian dan ketentuan regulasi yang prudential principles and applicable regulatory provisions, berlaku, termasuk POJK No. 18 Tahun 2025 (“POJK including OJK Regulation No. 18 of 2025 (“POJK 18/2025”) tentang Integritas Pelaporan Keuangan. 18/2025”) concerning Financial Reporting Integrity. Sejalan dengan amanat POJK 18/2025, Bank menegaskan In line with the mandate of POJK 18/2025, the Bank bahwa setiap Pejabat Eksekutif termasuk Chief emphasizes that every Executive Officer, including the Compliance Officer memiliki tanggung jawab langsung Chief Compliance Officer, has direct responsibility untuk mengawasi dan memastikan kepatuhan terhadap for overseeing and ensuring compliance with financial standar pelaporan keuangan, mitigasi risiko, serta prinsip reporting standards, risk mitigation, and GCG principles. GCG. Fungsi Kepatuhan bekerja secara proaktif melalui The Compliance Function works proactively through pemantauan rutin, pengembangan kebijakan internal, dan routine monitoring, internal policy development, and pelatihan berkelanjutan sehingga seluruh lini organisasi ongoing training to ensure that all levels of the organization memiliki pemahaman yang konsisten terhadap risiko have a consistent understanding of compliance risks and kepatuhan dan prosedur pelaporan yang transparan. transparent reporting procedures. Lebih jauh, Fungsi Kepatuhan Bank juga berperan Furthermore, the Bank’s Compliance Function also acts as a sebagai penghubung antara regulasi eksternal dan praktik liaison between external regulations and internal operational operasional internal. Dengan dukungan teknologi, data, practices. Supported by sophisticated technology, data, dan sistem pengendalian yang canggih, unit ini mampu and control systems, this unit is able to identify potential mengidentifikasi potensi risiko sejak dini, memberikan risks early on, provide mitigation recommendations, and rekomendasi mitigasi, dan memastikan bahwa setiap ensure that every transaction, strategic decision, and transaksi, keputusan strategis, dan pelaporan keuangan financial report reflects integrity, accuracy, and timeliness. mencerminkan integritas, akurasi, dan ketepatan waktu. Selain itu, Fungsi Kepatuhan turut memperkuat budaya Furthermore, the Compliance Function helps strengthen an organisasi yang berbasis etika dan tanggung jawab. organizational culture based on ethics and responsibility. Melalui sosialisasi kebijakan, pelatihan kepatuhan, serta Through policy dissemination, compliance training, and mekanisme pelaporan yang efektif, setiap karyawan effective reporting mechanisms, every employee at IBK di Bank IBK diperlengkapi dengan pengetahuan dan Bank is equipped with the knowledge and awareness to 358 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
kesadaran untuk menjalankan tugasnya secara profesional, carry out their duties professionally, prioritizing transparency
mengedepankan transparansi dan akuntabilitas di setiap and accountability at every level of the organization.
level organisasi.
In this way, IBK Bank not only fulfills its regulatory
Dengan demikian, Bank IBK tidak hanya memenuhi obligations but also affirms its long-term commitment to
kewajiban regulasi, tetapi juga menegaskan komitmen stakeholder trust, business continuity, and its reputation
jangka panjangnya terhadap kepercayaan pemangku as a reliable and law-abiding financial institution. The
kepentingan, kelangsungan bisnis, dan reputasi sebagai Compliance function serves as a cornerstone that maintains
institusi keuangan yang handal dan patuh hukum. Fungsi the balance between innovation, growth, and compliance,
Kepatuhan menjadi tonggak yang menjaga keseimbangan ensuring that every strategic move by the bank aligns with
antara inovasi, pertumbuhan, dan kepatuhan, memastikan GCG principles and applicable regulations.
setiap langkah strategis bank sejalan dengan prinsip GCG
dan regulasi yang berlaku.
Program Kerja Fungsi Kepatuhan Tahun 2025 Compliance Function Work Program
2025
Sebagai bagian dari komitmen Bank untuk menegakkan As part of the Bank’s commitment to upholding integrity
integritas dan kepatuhan dalam seluruh lini operasional, and compliance across all operational lines, the 2025
Program Kerja Fungsi Kepatuhan Tahun 2025 dirancang Compliance Function Work Program is designed to serve
untuk menjadi peta arah kegiatan yang strategis dan as a strategic and measurable roadmap. This program
terukur. Program ini bertujuan memastikan bahwa setiap aims to ensure that all bank policies, procedures, and
kebijakan, prosedur, dan aktivitas operasional bank selaras operational activities align with applicable regulations
dengan regulasi yang berlaku sekaligus memperkuat while strengthening a culture of compliance throughout the
budaya kepatuhan di seluruh organisasi. organization.
Dalam kerangka program kerja tersebut, Fungsi Kepatuhan Within the framework of this work program, the Compliance
menjalankan berbagai inisiatif yang berfokus pada Function carries out various initiatives focused on risk
identifikasi risiko, pengendalian internal, sosialisasi regulasi, identification, internal control, regulatory dissemination,
serta pemantauan efektivitas pelaporan dan pelaksanaan and monitoring the effectiveness of reporting and policy
kebijakan. Setiap kegiatan direncanakan secara sistematis implementation. Each activity is systematically planned to
untuk mendukung tercapainya tata kelola yang transparan, support the achievement of transparent, accountable, and
akuntabel, dan berkesinambungan, sehingga bank mampu sustainable governance, enabling the bank to maintain
mempertahankan kepercayaan pemangku kepentingan stakeholder trust while encouraging performance with
sekaligus mendorong kinerja yang berintegritas. integrity.
Berikut adalah rincian program kerja Fungsi Kepatuhan The following is a breakdown of the 2025 Compliance
Tahun 2025: Function work program:
1. Menjaga Risiko Kepatuhan pada Level 2 dengan 1. Maintaining Compliance Risk at Level 2 by Enhancing
Meningkatkan Budaya Kepatuhan di seluruh lini a Compliance Culture throughout the organization:
organisasi:
Rencana Tindak: Action Plan:
a. Pengkinian Peratuan, secara proaktif melakukan a. Regulatory Updates: Proactively updating
pemutakhiran ketentuan-ketentuan baru, baik new provisions, including OJK regulations, BI
peraturan OJK, peraturan BI maupun ketentuan regulations, and other laws and regulations
peraturan perundang-undangan lainnya yang related to banking activities;
berkaitan dengan kegiatan perbankan;
b. Internal Review, yaitu mengkaji pelaksanaan b. Internal Review: reviewing the implementation of
ketentuan baru untuk mengetahui relevansinya new provisions to determine their relevance to the
dengan aktivitas Bank; Bank’s activities;
c. Sosialisasi, merupakan penyampaian informasi c. Socialization: disseminating information on new
ketentuan baru kepada unit kerja terkait; provisions to relevant work units;
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Tata Kelola Perusahaan • Good Corporate Governance
d. Kebijakan dan Prosedur, merupakan rekomendasi d. Policies and Procedures: recommending
penyesuaian kebijakan dan prosedur internal adjustments to the Bank’s internal policies and
Bank sesuai dengan ketentuan baru; procedures in accordance with new provisions;
e. Monitoring, merupakan kegiatan pengendalian e. Monitoring: controlling or monitoring compliance
atau pemantauan terhadap indikator kepatuhan indicators, including monitoring the fulfillment of
termasuk pemantauan terhadap pemenuhan the Bank’s commitments;
komitmen Bank;
f. Pelaporan, merupakan penyampaian hasil f. Reporting: communicating the results of
pemantauan indikator kepatuhan baik kepada compliance indicator monitoring to both
manajemen maupun regulator; management and regulators;
g. Risiko Kepatuhan, merupakan kegiatan untuk g. Compliance Risk: identifying, measuring, and
mengidentifikasi, mengukur, memitigasi risiko mitigating compliance risks;
kepatuhan;
h. Komitmen, merupakan pemenuhan komitmen h. Commitment: fulfilling OJK Audit commitments;
Audit OJK; dan and
i. Mendukung unit usaha yang akan menerbitkan i. Supporting business units issuing new products
produk baru yang memerlukan izin OJK dan BI requiring OJK and BI permits to expedite the
agar prosesnya lebih cepat. process.
2. Menjalankan Compliance Monitoring System (CMS) 2. Implementing a Compliance Monitoring System (CMS)
yang terintegrasi dengan MIS untuk memitigasi Risiko integrated with the MIS to mitigate Compliance Risks
Kepatuhan yang mempengaruhi Penilaian Tata Kelola that impact the Bank’s Governance Assessment.
Bank.
Rencana Tindak: Action Plan:
a. Inventarisasi seluruh unsur fungsi kepatuhan di a. Inventory all elements of the compliance function
Bank IBK Indonesia. at Bank IBK Indonesia.
b. Menciptakan mekanisme pemantauan terhadap b. Create a monitoring mechanism for the
pelaksanaan fungsi kepatuhan pada seluruh implementation of the compliance function at all
tingkatan organisasi: levels of the organization:
• Sistem Pemantauan Pelaporan kepada • Regulatory Reporting Monitoring System;
Regulator;
• Sistem Tinjauan Pemantauan Kebijakan dan • Policy and Procedure Monitoring Review
Prosedur; System;
• Sistem Pemantauan Pemenuhan Komitmen • Regulatory Commitment Fulfillment
kepada Regulator; dan Monitoring System; and
• Dasboard Indikator Kepatuhan. • Compliance Indicator Dashboard.
c. Berkoordinasi dengan Divisi IT untuk pemeliharaan c. Coordinate with the IT Division to maintain the
aplikasi sistem monitoring pelaksanaan fungsi compliance function implementation monitoring
kepatuhan. system application.
3. Meningkatkan Penerapan Program APU PPT dan PPP 3. Improve the Implementation of the Anti-Money
SPM. Laundering (AML, PPT, and PPP) Programs.
Rencana Tindak: Action Plan:
a. Hubungan Bisnis, secara aktif melakukan proses a. Business Relationships: Actively identify and
identifikasi dan verifikasi nasabah; verify customers;
b. Screening, melakukan proses screening calon b. Screening: Screen potential customers
nasabah yang masuk blacklist di sistem Bank blacklisted in the Bank’s system and strengthen
dan memperkuat AML yang selaras dengan trade AML in line with trade finance standards;
finance;
c. Profil Risiko, merupakan penentuan profil risiko c. Risk Profiling: Determine a customer’s risk profile
nasabah berdasarkan informasi yang tersedia based on available information and parameters
sesuai dengan parameter dalam sistem Bank; within the Bank’s system;
d. Monitoring, merupakan proses pemantauan d. Monitoring: Monitor customer transactions;
transaksi nasabah;
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e. Sosialisasi, melakukan sosialisasi secara berkala, e. Socialization: Conduct regular outreach; AML
AML dapat melakukan pelatihan bagi front liner can conduct training for front-line personnel or the
atau first line defence terkait pencucian uang; first line of defense regarding money laundering;
f. Reporting, merupakan penyampaian laporan f. Reporting: Submit customer transaction reports
transaksi nasabah kepada PPATK dan regulator to the Financial Transaction Reports and Analysis
lainnya antara lain : CTR, STR, IFTI, Sipesat, Center (PPATK) and other regulators, including:
APOLO, Sipendar, SIGAP, Pengkinian data, dll. CTR, STR, IFTI, Sipesat, APOLO, Sipendar,
SIGAP, Data Updates, etc.
4. Meningkatkan kemampuan sistem AML dalam 4. Improve the AML system’s ability to process suspicious
memproses laporan mencurigakan sehingga dapat transactions to produce higher-quality reports.
menghasilkan laporan yang lebih berkualitas.
Rencana Tindak: Action Plan:
a. Peningkatan kualitas pelaporan STR dengan a. Improve the quality of STR reporting by remapping
memetakan kembali mode transaksi data dan data transaction modes and transaction codes;
kode transaksi;
b. Berkoordinasi dengan Vendor Sistem AML dalam b. Coordinate with the AML System Vendor to
meninjau, mengembangkan dan meningkatkan review, develop, and enhance STR alerts to
alert STR untuk meningkatkan kualitas laporan improve the quality of suspicious transaction
transaksi mencurigakan; reports;
c. Melakukan update parameter terhadap tindak c. Update parameters for predicate crimes that are
pidana asal yang menjadi isu nasional seperti: national issues, such as online gambling, illegal
Judi Online, Ilegal logging dll. logging, etc.
5. Penerapan POJK No. 12 tahun 2024 tentang 5. Implement OJK Regulation No. 12 of 2024 concerning
Penerapan Strategi Anti Fraud Bagi Lembaga Jasa the Implementation of Anti-Fraud Strategies for
Keuangan. Financial Services Institutions.
Rencana Tindak: Action Plan:
a. Menjaga risiko fraud dengan cara melakukan a. Manage fraud risk by providing information to all
membuat informasi kepada seluruh karyawan employees to provide a deeper understanding of
untuk pemahaman lebih mendalam mengenai the types of fraud and to recognize the signs and
jenis-jenis fraud, mengenali tanda-tanda dan indicators of fraud;
indikator terjadinya fraud;
b. Berkoordinasi dengan pihak-pihak terkait dalam b. Coordinate with relevant parties to update anti-
rangka melakukan pengkinian kebijakan dan fraud policies and procedures;
prosedur anti fraud;
c. Mengimplementasikan sistem pengendalian c. Implement an effective internal control system;
internal yang efektif
d. Meningkatkan kesadaran karyawan akan fraud d. Increase employee awareness of fraud by
dengan melakukan pelatihan secara berkala conducting regular anti-fraud training;
mengenai anti fraud;
e. Aktif melakukan reminder untuk mendorong e. Actively issue reminders to encourage employees
karyawan untuk melaporkan setiap kecurigaan to report any suspected fraud;
adanya tindakan fraud;
f. Aktif menjalin kerja sama dan berkoordinasi f. Actively collaborate and coordinate with internal
dengan pihak internal Bank maupun pihak and external parties within the Bank;
eksternal Bank;
g. Berkoordinasi dengan IT Bank dalam rangka g. Coordinate with the Bank’s IT department to
pengembangan sistem FDS yang aman dan develop a secure and integrated FDS system to
beritegrasi untuk membantu mencegah dan help prevent and detect fraud.
mendeteksi fraud.
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Tata Kelola Perusahaan • Good Corporate Governance
7. Mengkaji dan menindaklanjuti temuan pemeriksaan 6. Review and follow up on the findings of the OJK
OJK Kebijakan dan Prosedur Bank IBK Indonesia audit of Bank IBK Indonesia’s overall policies and
Secara Keseluruhan. procedures.
Rencana Tindak: Action Plan:
a. Mengumpulkan data mengenai kebijakan dan a. Collect data on the policies and procedures
prosedur yang menjadi objek temuan audit OJK; subject to OJK audit findings;
b. Menganalisis akar permasalahan mengapa b. Analyze the underlying causes of the OJK audit
kebijakan dan prosedur menjadi objek temuan findings related to policies and procedures;
audit OJK;
c. Mengevaluasi rencana untuk memperbaiki c. Evaluate plans to improve policies and procedures
kebijakan dan prosedur dengan menggunakan using an external consultant;
konsultan eksternal;
d. Memilih konsultan yang akan mengkaji kebijakan d. Select a consultant to review Bank IBK
dan prosedur Bank IBK Indonesia; serta Indonesia’s policies and procedures; and
e. Menunjuk konsultan yang memenuhi kriteria e. Appoint a consultant who meets Bank IBK
yang disyaratkan Bank IBK Indonesia untuk Indonesia’s criteria to strengthen and enhance its
menyempurnakan kebijakan dan prosedur; policies and procedures;
f. Melakukan review kebijakan dan prosedur Bank f. Conduct a review of Bank IBK Indonesia’s policies
IBK Indonesia oleh konsultan yang ditunjuk. and procedures by the appointed consultant.
Evaluasi Efektivitas Fungsi Kepatuhan Evaluation of the Effectiveness of the
Tahun 2025 Compliance Function in 2025
Bank secara konsisten melakukan evaluasi efektivitas The Bank consistently evaluates the effectiveness of its
fungsi kepatuhan untuk memastikan seluruh kebijakan, compliance function to ensure that all policies, procedures,
prosedur, dan praktik operasional selaras dengan regulasi and operational practices align with applicable regulations
yang berlaku serta standar internal Perseroan. Proses ini and the Company’s internal standards. This process is
dijalankan melalui pemantauan oleh Divisi Kepatuhan dan carried out through monitoring by the Compliance Division
Satuan Kerja Audit Internal (SKAI) dengan fokus pada and the Internal Audit Unit (SKAI), with a focus on early
identifikasi dini potensi risiko kepatuhan serta penanganan identification of potential compliance risks and handling
pelanggaran yang berisiko mengganggu kelancaran violations that could disrupt the Bank’s smooth operations.
operasional Bank.
Selain melakukan pengawasan rutin, Bank juga In addition to routine oversight, the Bank also implements
menerapkan kontrol dan audit kepatuhan secara comprehensive compliance controls and audits, which
menyeluruh yang dilaporkan langsung kepada manajemen are reported directly to top management and regulators,
puncak dan regulator, sehingga integritas dan konsistensi ensuring optimal compliance process integrity and
proses kepatuhan dapat terjaga secara optimal. Temuan consistency. The findings from this evaluation serve as the
dari evaluasi ini menjadi dasar bagi pembaruan strategi basis for updating the compliance strategy, strengthening
kepatuhan, penguatan budaya patuh di seluruh lapisan a culture of compliance across all levels of the organization,
organisasi, dan peningkatan tata kelola yang baik sehingga and enhancing good governance, thus supporting the
mendukung tercapainya keberlanjutan bisnis yang sehat, achievement of healthy, safe, and sustainable business
aman, dan sesuai dengan prinsip GCG. practices in accordance with GCG principles.
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Tata Kelola Perusahaan • Good Corporate Governance
Akuntan Publik
Public Accountant
Dalam rangka memastikan keandalan, transparansi, dan To ensure the reliability, transparency, and integrity of
integritas informasi keuangan, Bank menunjuk Akuntan financial information, the Bank appoints an independent
Publik (AP) yang independen untuk melakukan audit atas Public Accountant (PA) to audit the Bank’s Annual
Laporan Keuangan Tahunan Bank sesuai dengan standar Financial Statements in accordance with applicable public
profesional akuntan publik yang berlaku. Penunjukan AP accounting professional standards. The appointment of a
merupakan bagian integral dari penerapan prinsip kehati- PA is an integral part of the implementation of the principles
hatian dan akuntabilitas, sekaligus sebagai sarana untuk of prudence and accountability, as well as a means of
memberikan keyakinan yang memadai kepada pemegang providing shareholders and stakeholders with sufficient
saham dan pemangku kepentingan atas kewajaran assurance regarding the fairness of the presentation of the
penyajian laporan keuangan Bank. Bank’s financial statements.
Proses penunjukan AP dilaksanakan melalui mekanisme The PA appointment process is implemented through a
tata kelola yang terstruktur dan transparan. Komite Audit structured and transparent governance mechanism. The
terlebih dahulu melakukan evaluasi dan seleksi terhadap Audit Committee first evaluates and selects the Public
Kantor Akuntan Publik (KAP) dengan mempertimbangkan Accounting Firm (KAP), considering, among other things,
antara lain independensi, kompetensi profesional, independence, professional competence, experience and
pengalaman dan rekam jejak, kecukupan sumber daya, track record, adequacy of resources, compliance with
kepatuhan terhadap standar profesi, serta pemahaman professional standards, and an adequate understanding
yang memadai terhadap karakteristik dan kompleksitas of the characteristics and complexities of the banking
industri perbankan. Hasil evaluasi tersebut selanjutnya industry. The results of this evaluation are then submitted
disampaikan kepada Dewan Komisaris sebagai dasar to the Board of Commissioners as the basis for making
pemberian rekomendasi. recommendations.
Berdasarkan rekomendasi Komite Audit, Dewan Komisaris Based on the Audit Committee’s recommendations, the
mengusulkan calon AP dan/atau KAP kepada RUPS untuk Board of Commissioners proposes prospective PAs and/or
memperoleh persetujuan. Dengan demikian, penetapan KAPs to the GMS for approval. Therefore, the appointment
AP sepenuhnya berada dalam kewenangan RUPS, sesuai of PAs is entirely within the authority of the GMS, in
dengan ketentuan peraturan perundang-undangan yang accordance with applicable laws and regulations, and
berlaku, serta mencerminkan prinsip transparansi dan reflects the principles of transparency and accountability in
akuntabilitas dalam pengambilan keputusan strategis Bank. the Bank’s strategic decision-making.
Pada tahun 2025, melalui persetujuan RUPS Tahunan, In 2025, with the approval of the Annual General Meeting
Bank menunjuk KAP Suharli Sugiarto & Rekan (ShineWing) of Shareholders (AGMS), the Bank appointed Suharli
untuk melakukan audit atas Laporan Keuangan Bank Sugiarto & Rekan (ShineWing) Public Accounting Firm
untuk tahun buku 2025. Dalam pelaksanaan audit, AP to audit the Bank’s Financial Statements for the 2025
melaksanakan perencanaan dan prosedur audit sesuai Fiscal Year. During the audit, the AP implemented audit
dengan Standar Audit yang ditetapkan oleh Institut planning and procedures in accordance with the Auditing
Akuntan Publik Indonesia, dengan tujuan memperoleh Standards established by the Indonesian Institute of
keyakinan yang memadai bahwa laporan keuangan Bank Certified Public Accountants, with the aim of obtaining
telah disajikan secara wajar dalam semua hal yang material, reasonable assurance that the Bank’s financial statements
sesuai dengan standar akuntansi keuangan yang berlaku. are presented fairly, in all material respects, in accordance
with applicable financial accounting standards.
Melalui proses penunjukan dan pelaksanaan audit yang Through the independent and professional audit
independen dan profesional, Bank memastikan bahwa appointment and implementation process, the Bank
kualitas pelaporan keuangan senantiasa terjaga serta ensures that the quality of financial reporting is maintained
mendukung penerapan prinsip GCG secara konsisten dan and supports the consistent and continuous implementation
berkelanjutan. of GCG principles.
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Tata Kelola Perusahaan • Good Corporate Governance
Koordinasi Auditor Eksternal dan Komite Coordination of the External Auditor and
Audit the Audit Committee
Bank memastikan terselenggaranya koordinasi yang efektif The Bank ensures effective coordination between the
antara Auditor Eksternal, Komite Audit, dan SKAI guna External Auditor, the Audit Committee, and the Internal
mendukung kualitas dan kelancaran pelaksanaan audit Audit Unit (SKAI) to support the quality and smooth
eksternal. Komite Audit secara berkala berkomunikasi implementation of the external audit. The Audit Committee
dengan Auditor Eksternal terkait perencanaan audit, ruang regularly communicates with the External Auditor regarding
lingkup, dan metodologi audit. audit planning, scope, and audit methodology.
Selama proses audit berlangsung, Komite Audit bersama Throughout the audit process, the Audit Committee,
SKAI melakukan pemantauan atas perkembangan audit together with the Internal Audit Unit (SKAI), monitored
serta membahas isu-isu signifikan dan area risiko utama audit progress and discussed significant issues and key
yang memerlukan perhatian Manajemen. Seluruh proses risk areas requiring Management’s attention. The entire
koordinasi tersebut dilaksanakan dengan tetap menjunjung coordination process was carried out while upholding the
prinsip independensi, objektivitas, serta kepatuhan principles of independence, objectivity, and compliance
terhadap ketentuan regulator dan standar profesional yang with applicable regulatory requirements and professional
berlaku. standards.
Adapun hasil koordinasi dan temuan Auditor Eksternal The results of the coordination and findings of the External
dibahas dalam rapat Komite Audit dan dicatat dalam Auditor were discussed in Audit Committee meetings and
Laporan Komite Audit Tahun 2025. Selanjutnya, Komite recorded in the 2025 Audit Committee Report. Furthermore,
Audit melakukan pemantauan atas tindak lanjut Manajemen the Audit Committee monitored Management’s follow-
terhadap rekomendasi Auditor Eksternal untuk memastikan up on the External Auditor’s recommendations to ensure
implementasinya dilakukan secara tepat waktu, efektif, dan timely, effective implementation, and in line with GCG
sejalan dengan prinsip GCG serta peraturan perundang- principles and applicable laws and regulations.
undangan yang berlaku.
Public Accounting Firm, Name of Public
Kantor Akuntan Publik, Nama Akuntan Accountant, Fee, Engagement Period, and
Publik, Fee, Periode Penugasan, dan Audit Opinion for 2025
Opini Audit Tahun 2025
Complete information regarding the Public Accounting Firm
Informasi lengkap terkait KAP yang ditunjuk Perseroan appointed by the Company to audit the annual financial
untuk melaksanakan audit atas laporan keuangan tahunan statements as of December 31, 2025, is presented in
per 31 Desember 2025 disajikan secara rinci dalam tabel detail in the following table:
berikut:
Tahun Registrasi Akuntan
Nama Akuntan
Buku Kantor Akuntan Publik Publik Biaya
Name of
Fiscal Public Accounting Firm Public Accountant Fee
Accountant
Year Registration
2025 KAP Suharli Sugiarto & Rekan (ShineWing) Michell Suharli, CPA No. AP. 0995 Rp1.188.100.000
2024 KAP Suharli Sugiarto & Rekan (ShineWing) Michell Suharli, CPA No. AP. 0995 Rp1.188.100.000
2023 KAP Suharli Sugiarto & Rekan (ShineWing) Michell Suharli, CPA No. AP. 0995 Rp1.199.000.000
2022 KAP Suharli Sugiarto & Rekan (ShineWing) Michell Suharli, CPA No. AP. 0995 Rp1.144.500.000
2021 KAP Suharli Sugiarto & Rekan (ShineWing) Michell Suharli, CPA No. AP. 0995 Rp810.000.000
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Tata Kelola Perusahaan • Good Corporate Governance AP yang ditunjuk bertanggung jawab sepenuhnya atas The appointed Public Accountant (AP) is fully responsible opini yang diberikan atas Laporan Keuangan Bank yang for the opinion issued on the Bank’s audited Financial telah diaudit. Dalam pelaksanaan audit, AP melakukan Statements. During the audit, the AP conducts a sample- pemeriksaan berbasis uji sampel atas bukti audit yang based examination of sufficient and relevant audit evidence memadai dan relevan untuk mendukung angka-angka serta to support the figures and disclosures presented in the pengungkapan yang disajikan dalam Laporan Keuangan. Financial Statements. The audit process includes an Proses audit tersebut mencakup evaluasi atas penerapan evaluation of the Bank’s application of accounting policies kebijakan dan prinsip akuntansi yang digunakan oleh Bank, and principles, an assessment of the reasonableness of penilaian atas kewajaran estimasi akuntansi signifikan yang significant accounting estimates made by Management, dibuat oleh Manajemen, serta penilaian menyeluruh atas and a comprehensive assessment of the presentation of penyajian Laporan Keuangan agar sesuai dengan standar the Financial Statements for compliance with applicable akuntansi dan pelaporan keuangan yang berlaku. accounting and financial reporting standards. Audit yang dilakukan bertujuan untuk memperoleh The audit aims to obtain reasonable assurance that the keyakinan yang memadai (reasonable assurance) bahwa Financial Statements are free from material misstatement, Laporan Keuangan bebas dari salah saji material, baik yang whether caused by error or fraud. Therefore, the AP’s disebabkan oleh kekeliruan maupun kecurangan. Oleh opinion serves as an important basis for stakeholders karena itu, opini AP menjadi dasar penting bagi pemangku in assessing the Bank’s transparency, accountability, kepentingan dalam menilai transparansi, akuntabilitas, and financial integrity. The audit, supported by the dan integritas keuangan Bank. Pelaksanaan audit yang independence and professional competence of the AP, didukung oleh independensi dan kompetensi profesional helps strengthen public trust and ensures the Bank’s AP tersebut turut memperkuat kepercayaan publik serta compliance with regulatory requirements and applicable memastikan kepatuhan Bank terhadap ketentuan regulator accounting standards. dan standar akuntansi yang berlaku. Jasa Lain Yang Diberikan Kantor Akuntan Other Services Provided by Public Publik dan Akuntan Publik Selain Jasa Accounting Firms and Public Accountants Audit Laporan Keuangan Tahunan Pada Other Than Audit Services for the Annual Tahun Buku Terakhir (Biaya Non-Audit) Financial Statements for the Last Fiscal Tahun 2025 Year (Non-Audit Fees) in 2025 Sepanjang tahun 2025, Kantor Akuntan Publik Suharli Throughout 2025, Public Accounting Firm Suharli Sugiarto Sugiarto & Rekan (ShineWing) tidak memberikan jasa & Rekan (ShineWing) did not provide any attestation atestasi lainnya kepada Bank selain penugasan audit atas services to the Bank other than the audit assignment for the Laporan Keuangan untuk tahun buku yang berakhir pada Financial Statements for the fiscal year ending December 31 Desember 2025. 31, 2025. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 365
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Tata Kelola Perusahaan • Good Corporate Governance Sistem Pengendalian Internal Internal Control System Bank menerapkan Sistem Pengendalian Internal yang The Bank implements a comprehensive and integrated komprehensif dan terintegrasi sebagai bagian dari kerangka Internal Control System as part of its GCG framework. GCG. Sistem ini dirancang untuk memberikan keyakinan This system is designed to provide reasonable assurance yang memadai atas tercapainya tujuan Bank, mencakup that the Bank’s objectives are achieved, including the keandalan pelaporan keuangan, efektivitas dan efisiensi reliability of financial reporting, operational effectiveness operasional, kepatuhan terhadap peraturan perundang- and efficiency, compliance with applicable laws and undangan yang berlaku, serta pengelolaan risiko secara regulations, and prudent risk management. prudent. Cakupan Sistem Pengendalian Internal Bank meliputi The scope of the Bank’s Internal Control System seluruh aspek keuangan dan operasional Bank, termasuk encompasses all financial and operational aspects of the proses bisnis utama dan fungsi pendukung. Penerapannya Bank, including core business processes and support dilakukan melalui struktur organisasi yang jelas, pemisahan functions. Its implementation is achieved through a clear fungsi yang memadai, serta kebijakan dan prosedur yang organizational structure, adequate separation of functions, terdokumentasi dan diterapkan secara konsisten. Setiap and documented and consistently applied policies and aktivitas operasional dilengkapi dengan mekanisme procedures. Each operational activity is equipped with pengendalian yang proporsional dengan tingkat risiko control mechanisms commensurate with the level of risk, baik bersifat preventif maupun detektif guna memastikan both preventive and detective, to ensure that transactions transaksi dan kegiatan usaha dilaksanakan secara akurat, and business activities are carried out accurately, legally, sah, dan sesuai ketentuan. and in accordance with regulations. Dalam aspek kepatuhan, Sistem Pengendalian Internal In terms of compliance, the Internal Control System is dirancang untuk menjamin bahwa seluruh kegiatan designed to ensure that all Bank operational activities operasional Bank senantiasa selaras dengan peraturan consistently align with OJK and Bank Indonesia regulations, OJK maupun Bank Indonesia, perundang-undangan yang applicable laws and regulations, and the Bank’s internal berlaku, serta kebijakan internal Bank. Pengendalian policies. These controls aim to prevent violations, minimize ini bertujuan untuk mencegah terjadinya pelanggaran, potential compliance risks, and maintain the Bank’s integrity meminimalkan potensi risiko kepatuhan, dan menjaga and reputation. integritas serta reputasi Bank. Melalui penerapan Sistem Pengendalian Internal yang Through the implementation of an effective and efektif dan menyeluruh, Bank berkomitmen menjaga comprehensive Internal Control System, the Bank is integritas keuangan dan operasional, meningkatkan kualitas committed to maintaining financial and operational pengambilan keputusan, serta mendukung keberlanjutan integrity, improving the quality of decision-making, and usaha yang sehat, stabil, dan selaras dengan kepentingan supporting healthy, stable business continuity aligned with seluruh pemangku kepentingan. the interests of all stakeholders. Implementasi Sistem Pengendalian Implementation of the Internal Control Internal dan Kesesuaian dengan COSO System and Compliance with COSO Bank secara berkesinambungan melakukan penyempurnaan The Bank continuously improves its Internal Control Sistem Pengendalian Internal dengan mempertimbangkan System, taking into account the dynamics of the business dinamika lingkungan bisnis, peningkatan kompleksitas environment, the increasing complexity of products and produk dan layanan, serta perkembangan regulasi dan services, and regulatory developments and best practices praktik terbaik di industri perbankan. Sejalan dengan in the banking industry. In line with this commitment, the komitmen tersebut, Bank mengimplementasikan Sistem Bank implements an Internal Control System that adheres Pengendalian Internal yang mengacu pada kerangka kerja to the Committee of Sponsoring Organizations of the 366 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Committee of Sponsoring Organizations of the Treadway Treadway Commission (COSO) framework, a widely
Commission (COSO) sebagai standar internasional yang recognized international standard.
diakui secara luas.
Kerangka COSO memberikan panduan yang komprehensif, The COSO framework provides comprehensive, structured,
terstruktur, dan terintegrasi dalam perancangan, penerapan, and integrated guidance for designing, implementing,
serta evaluasi efektivitas pengendalian internal. Penerapan and evaluating the effectiveness of internal controls. The
kerangka ini mencakup 5 (lima) komponen utama, yaitu implementation of this framework encompasses five main
lingkungan pengendalian (control environment), penilaian components: the control environment, risk assessment,
risiko (risk assessment), aktivitas pengendalian (control control activities, information and communication,
activities), informasi dan komunikasi (information and and monitoring activities. These five components are
communication), serta kegiatan pengawasan (monitoring implemented in an integrated manner across all Bank
activities). Kelima komponen tersebut diterapkan secara activities to ensure that operational processes are carried
terpadu di seluruh aktivitas Bank untuk memastikan bahwa out with integrity, risks are managed systematically and
proses operasional dijalankan dengan integritas, risiko disciplined, and decision-making is supported by reliable,
dikelola secara sistematis dan disiplin, serta pengambilan accurate, and accountable information.
keputusan didukung oleh informasi yang andal, akurat, dan
dapat dipertanggungjawabkan.
Melalui penerapan kerangka COSO, Bank memperoleh Through the implementation of the COSO framework, the
kerangka evaluasi yang jelas dalam menilai kecukupan Bank obtains a clear evaluation framework for assessing
dan efektivitas Sistem Pengendalian Internal, sekaligus the adequacy and effectiveness of its Internal Control
memperkuat sinergi antara fungsi manajemen risiko, System, while strengthening synergy between risk
kepatuhan, dan audit internal. Implementasi ini mendukung management, compliance, and internal audit functions.
penerapan prinsip kehati-hatian dan tata kelola yang baik, This implementation supports the application of prudential
serta menjadi fondasi penting dalam menjaga stabilitas principles and good governance and serves as a critical
operasional, kepatuhan terhadap ketentuan regulator, dan foundation for maintaining operational stability, compliance
keberlanjutan kinerja Bank dalam jangka panjang. with regulatory requirements, and the long-term
sustainability of the Bank’s performance.
Kesesuaian implementasi Sistem Pengendalian Internal The alignment of the Bank’s Internal Control System
Bank terhadap kerangka COSO dijabarkan dalam tabel implementation with the COSO framework is outlined in
berikut: the following table:
Komponen Pengendalian Internal Kesesuaian dengan COSO
Internal Control Components Conformity with COSO
Lingkungan Pengendalian 1. Komitmen Bank terhadap nilai integritas dan etika.
Control Environment 2. Independensi dan tanggung jawab pengawasan dari Dewan Komisaris.
3. Penetapan struktur, kewenangan, dan tanggung jawab sesuai tujuan organisasi.
4. Komitmen terhadap kompetensi.
5. Menegakkan akuntabilitas atas tanggung jawab dalam hal pengendalian internal
dalam kaitannya dengan pencapaian tujuan organisasi.
1. The Bank’s commitment to integrity and ethics.
2. Independency and supervisory responsibility of the Board of Commissioners.
3. Establishment of structure, authority, and responsibility in line with organizational
objectives.
4. Commitment to competence.
5. Enforce accountability for responsibility in internal control in relation to achieving
organizational objectives.
Penilaian Risiko 1. Menentukan tujuan yang jelas.
Risk Assessment 2. Mengidentifikasi dan menganalisis risiko.
3. Menilai risiko fraud.
4. Mengidentifikasi dan menganalisis perubahan yang signifikan.
1. Set clear objectives.
2. Identify and analyze risks.
3. Assess fraud risk.
4. Identify and analyze significant changes.
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Tata Kelola Perusahaan • Good Corporate Governance
Komponen Pengendalian Internal Kesesuaian dengan COSO
Internal Control Components Conformity with COSO
Aktivitas Pengendalian 1. Memilih dan mengembangkan aktivitas pengendalian.
Control Activities 2. Memilih dan mengembangkan kontrol umum atas teknologi.
3. Menyebarkan melalui kebijakan dan prosedur.
1. Select and develop control activities.
2. Select and develop general control over technology.
3. Disseminate through policies and procedures.
Informasi dan Komunikasi 1. Menggunakan informasi yang relevan dan berkualitas.
Information and Communication 2. Berkomunikasi secara internal.
3. Berkomunikasi secara eksternal.
1. Use relevant and quality information.
2. Communicate internally.
3. Communicate externally
Kegiatan Pengawasan 1. Melakukan evaluasi yang berkelanjutan dan/atau terpisah.
Monitoring Activities 2. Mengevaluasi dan mengomunikasikan kekurangan/kelemahan pengendalian internal
kepada pihak yang bertanggung jawab melakukan koreksi.
1. Conduct ongoing and/or separate evaluations.
2. Evaluate and communicate deficiencies/weaknesses in internal control to the party
responsible for making corrections.
Peran Aktif Direksi dan Dewan Komisaris The Active Role of the Board of Directors
dalam Sistem Pengendalian Internal and the Board of Commissioners in the
Internal Control System
Dalam menjaga efektivitas Sistem Pengendalian To maintain the effectiveness of the Internal Control
Internal, Direksi memegang tanggung jawab utama atas System, the Board of Directors holds primary responsibility
perancangan, penerapan, dan keberlanjutan sistem for the design, implementation, and sustainability of
pengendalian di seluruh aktivitas Bank. Sejalan dengan the control system across all Bank activities. In line with
tanggung jawab tersebut, Direksi memastikan bahwa this responsibility, the Board of Directors ensures that
seluruh kebijakan, prosedur, dan proses bisnis dilaksanakan all policies, procedures, and business processes are
secara konsisten sesuai dengan prinsip kehati-hatian, implemented consistently in accordance with prudent
ketentuan OJK, serta standar dan praktik terbaik yang principles, OJK regulations, and applicable standards and
berlaku. best practices.
Untuk mendukung penerapan pengendalian yang efektif, To support the implementation of effective controls,
tanggung jawab Direksi juga mencakup penyediaan the Board of Directors’ responsibilities also include
infrastruktur pengendalian yang memadai baik dari aspek providing adequate control infrastructure, including human
Sumber Daya Manusia (SDM), sistem dan teknologi resources (HR), information systems and technology,
informasi, maupun penguatan budaya risiko dan and strengthening a culture of risk and compliance.
kepatuhan. Selain itu, Direksi mengarahkan manajemen Furthermore, the Board of Directors directs management
untuk melakukan pemantauan secara berkelanjutan serta to conduct continuous monitoring and timely follow-up on
menindaklanjuti secara tepat waktu setiap temuan yang any findings resulting from audits and supervision.
berasal dari hasil audit dan pengawasan.
Dalam kerangka checks and balances, Dewan Komisaris Within the framework of checks and balances, the Board
juga menjalankan fungsi pengawasan strategis atas of Commissioners also carries out a strategic oversight
kecukupan dan efektivitas penerapan Sistem Pengendalian function over the adequacy and effectiveness of the Board
Internal oleh Direksi. Dewan Komisaris memastikan of Directors’ implementation of the Internal Control System.
bahwa Sistem Pengendalian Internal telah dirancang dan The Board of Commissioners ensures that the Internal
diimplementasikan secara memadai, independen, dan Control System has been designed and implemented
selaras dengan prinsip GCG. Fungsi pengawasan tersebut adequately, independently, and in accordance with
diperkuat melalui peran aktif komite-komite di bawah Dewan GCG principles. This oversight function is strengthened
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Tata Kelola Perusahaan • Good Corporate Governance
Komisaris dan Direksi sesuai dengan kewenangan masing- through the active role of committees under the Board of
masing, sehingga pengendalian internal dapat dijalankan Commissioners and the Board of Directors, in accordance
secara terkoordinasi, terintegrasi, dan komprehensif. with their respective authorities, so that internal control
can be implemented in a coordinated, integrated, and
comprehensive manner.
Sebagai bagian dari mekanisme pengawasan berkelanjutan, As part of the ongoing oversight mechanism, the adequacy
kecukupan dan efektivitas Sistem Pengendalian Internal and effectiveness of the Internal Control System are
dievaluasi secara berkala melalui fungsi manajemen periodically evaluated through the risk management,
risiko, kepatuhan, dan SKAI. Melalui pelaksanaan fungsi compliance, and Internal Audit functions. Through the
assurance yang independen serta pemberian rekomendasi implementation of independent assurance functions and
perbaikan yang objektif, unit-unit tersebut memberikan the provision of objective improvement recommendations,
masukan kepada Manajemen dan Dewan Komisaris guna these units provide input to Management and the Board of
memastikan Sistem Pengendalian Internal senantiasa Commissioners to ensure that the Internal Control System
relevan, efektif, serta mendukung penerapan prinsip GCG remains relevant, effective, and supports the implementation
dan keberlanjutan kinerja Bank dalam jangka panjang. of GCG principles and the long-term sustainability of the
Bank’s performance.
Pengendalian Keuangan dan Operasional Financial and Operational Control
Kepatuhan Terhadap Peraturan Compliance with Laws and Regulations
Perundang-Undangan
Pengendalian Aspek Keuangan (Internal Control Financial Control (Internal Control over Financial
over Financial Reporting) Reporting)
Tata Kelola Pengendalian Internal atas Pelaporan Governance of Internal Control over Financial
Keuangan (Governance) Reporting
Bank menetapkan Pengendalian Internal atas The Bank establishes Internal Control over Financial
Pelaporan Keuangan (Internal Control over Financial Reporting (ICOFR) as an integral and inseparable part of
Reporting/”ICOFR”) sebagai bagian yang melekat dan the Bank’s Internal Control System. The implementation of
tidak terpisahkan dari Sistem Pengendalian Internal ICOFR is carried out in accordance with the provisions of
Bank. Penerapan ICOFR dilaksanakan dengan mengacu POJK No. 15 of 2024 as well as accounting standards and
pada ketentuan POJK No. 15 Tahun 2024 serta standar governance practices applicable in the banking industry.
akuntansi dan praktik tata kelola yang berlaku di industri
perbankan.
Tata kelola ICOFR Bank berada di bawah tanggung The governance of the Bank’s ICOFR is under the
jawab Direksi dengan pengawasan strategis oleh Dewan responsibility of the Board of Directors, with strategic
Komisaris. Dalam pelaksanaan peran tersebut, Direksi oversight by the Board of Commissioners. In carrying out
secara berkelanjutan memastikan bahwa kerangka this role, the Board of Directors continuously ensures that
pengendalian atas pelaporan keuangan dirancang secara the financial reporting control framework is comprehensively
komprehensif, serta diimplementasikan secara konsisten designed, consistently implemented, and maintained to
dan dipelihara agar berjalan efektif dalam mendukung ensure its effectiveness in supporting the reliability of the
keandalan informasi keuangan Bank. Bank’s financial information.
Sejalan dengan hal tersebut, Dewan Komisaris In line with this, the Board of Commissioners carries out
menjalankan fungsi pengawasan melalui penelaahan atas its oversight function through reviewing periodic reports,
laporan berkala, pembahasan dalam forum pengawasan discussing them in relevant supervisory forums, and
yang relevan, serta pemberian arahan strategis guna providing strategic direction to ensure the adequacy and
memastikan kecukupan dan efektivitas penerapan ICOFR effectiveness of the ICOFR implementation, which remains
tetap selaras dengan prinsip tata kelola perusahaan yang aligned with good corporate governance principles and
baik dan ketentuan regulator yang berlaku. applicable regulatory requirements.
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Tata Kelola Perusahaan • Good Corporate Governance
Pelaksanaan tata kelola ICOFR juga didukung oleh peran The implementation of ICOFR governance is also
aktif fungsi kepatuhan dan SKAI yang masing-masing supported by the active role of the compliance function
menjalankan fungsi pengawasan, evaluasi, dan assurance and the Internal Audit Unit, each of which independently
secara independen sesuai dengan kewenangannya. performs oversight, evaluation, and assurance functions
within its respective authority.
Proses Penerapan dan Evaluasi ICOFR (Process) ICOFR Implementation and Evaluation Process
(Process)
Dalam rangka memastikan keandalan pelaporan keuangan, To ensure the reliability of financial reporting, the Bank
Bank menyusun dan menerapkan kebijakan, prosedur, develops and implements policies, procedures, and control
serta aktivitas pengendalian pada seluruh siklus pelaporan activities throughout the financial reporting cycle, from the
keuangan, mulai dari pengakuan dan pencatatan transaksi, recognition and recording of transactions and processing
pengolahan data akuntansi, hingga penyusunan dan of accounting data to the preparation and presentation of
penyajian laporan keuangan. financial statements.
Aktivitas pengendalian ICOFR meliputi pemisahan fungsi ICOFR control activities include adequate separation
dan kewenangan secara memadai, mekanisme otorisasi of functions and authorities, hierarchical authorization
dan persetujuan berjenjang, rekonsiliasi dan verifikasi and approval mechanisms, periodic reconciliation and
secara berkala, pengendalian atas sistem dan teknologi verification, controls over systems and information
informasi yang mendukung pelaporan keuangan, serta technology supporting financial reporting, and safeguards
pengamanan atas aset dan data keuangan Bank. for the Bank’s assets and financial data.
Evaluasi atas penerapan ICOFR dilakukan secara periodik ICOFR implementation is evaluated periodically through
melalui mekanisme penilaian mandiri (self-assessment) a self-assessment mechanism by the Anti-Fraud
oleh unit kerja Anti-Fraud Management. Hasil penilaian Management Unit. The results of this assessment are then
tersebut selanjutnya ditelaah secara independen oleh independently reviewed by the Internal Audit Unit and the
Satuan Kerja Audit Internal dan Kantor Akuntan Publik. Public Accounting Firm.
Hasil Evaluasi dan Pelaporan ICOFR Tahun 2025 ICOFR Evaluation and Reporting Results for 2025
(Assessment) (Assessment)
Berdasarkan hasil evaluasi atas penerapan ICOFR Based on the evaluation of ICOFR implementation
sepanjang tahun 2025, Bank menilai bahwa pengendalian throughout 2025, the Bank assesses that internal control
internal atas pelaporan keuangan telah dirancang dan over financial reporting has been adequately designed and
diimplementasikan secara memadai serta berfungsi secara implemented and is functioning effectively to support the
efektif dalam mendukung keandalan penyusunan dan reliability of the preparation and presentation of the Bank’s
penyajian laporan keuangan Bank. financial statements.
Sepanjang periode evaluasi, Bank tidak menemukan Throughout the evaluation period, the Bank did not identify
adanya kelemahan pengendalian internal yang bersifat any material internal control weaknesses that could
material yang dapat berdampak signifikan terhadap significantly impact the fairness of the presentation of the
kewajaran penyajian laporan keuangan untuk tahun buku financial statements for the fiscal year ending December
yang berakhir pada 31 Desember 2025. 31, 2025.
Hasil evaluasi ICOFR tersebut dilaporkan secara berjenjang The results of the ICOFR evaluation are reported sequentially
kepada Direksi dan Dewan Komisaris sebagai bagian dari to the Board of Directors and the Board of Commissioners
laporan pengawasan dan pelaksanaan tata kelola, serta as part of the oversight and governance implementation
menjadi dasar dalam penyempurnaan berkelanjutan atas report, and serve as the basis for continuous improvement
kualitas pengendalian dan pelaporan keuangan Bank. of the quality of the Bank’s financial controls and reporting.
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Tata Kelola Perusahaan • Good Corporate Governance Pernyataan Manajemen atas Kecukupan ICOFR Management Statement on the Adequacy of ICOFR (Statement of Responsibility) (Statement of Responsibility) Direksi menyatakan bahwa Bank telah memiliki dan The Board of Directors declares that the Bank has menerapkan Pengendalian Internal atas Pelaporan established and implemented adequate and effective Keuangan yang memadai dan efektif guna memastikan Internal Control over Financial Reporting to ensure that bahwa laporan keuangan Bank disusun secara andal, the Bank’s financial statements are prepared reliably, lengkap, dan sesuai dengan standar akuntansi serta completely, and in accordance with accounting standards ketentuan peraturan perundang-undangan yang berlaku. and applicable laws and regulations. Direksi bertanggung jawab atas pemeliharaan dan The Board of Directors is responsible for the continuous penyempurnaan ICOFR secara berkelanjutan dengan maintenance and improvement of ICOFR, taking into mempertimbangkan dinamika bisnis, kompleksitas account business dynamics, transaction complexity, and transaksi, serta perkembangan regulasi. Dengan regulatory developments. With the support of oversight by dukungan pengawasan Dewan Komisaris serta assurance the Board of Commissioners and independent assurance independen dari fungsi manajemen risiko, kepatuhan, dan from the risk management, compliance, and Internal Audit SKAI, Manajemen meyakini bahwa ICOFR Bank telah functions, Management believes that the Bank’s ICOFR mendukung penerapan prinsip tata kelola perusahaan yang supports the implementation of good corporate governance baik serta menjaga integritas dan transparansi informasi principles and maintains the integrity and transparency of keuangan bagi seluruh pemangku kepentingan. financial information for all stakeholders. Pengendalian Aspek Operasional Operational Control Bank menerapkan pengendalian atas aspek operasional The Bank implements comprehensive operational controls secara menyeluruh sebagai bagian integral dari Sistem as an integral part of its Internal Control System to ensure Pengendalian Internal guna memastikan bahwa seluruh that all operational activities are carried out effectively, kegiatan operasional dilaksanakan secara efektif, efficiently, and in line with the Bank’s strategy and risk efisien, dan selaras dengan strategi serta profil risiko profile. The Bank’s operational controls are designed to Bank. Pengendalian operasional Bank dirancang untuk mitigate operational risks inherent in business processes, memitigasi risiko operasional yang melekat pada proses products, services, and the use of information technology bisnis, produk, layanan, dan penggunaan sistem teknologi systems. informasi. Lingkup pengendalian operasional yang diterapkan Bank The scope of operational control implemented by the Bank mencakup penetapan kebijakan dan prosedur yang jelas, includes the establishment of clear policies and procedures, pemisahan fungsi yang memadai (segregation of duties), adequate segregation of duties, the implementation of penerapan kewenangan dan limit yang terukur, serta measurable authority and limits, and the use of reliable and penggunaan sistem dan teknologi informasi yang andal dan secure information systems and technology. The Bank also aman. Bank juga melakukan pemantauan berkelanjutan conducts continuous monitoring of operational processes terhadap pelaksanaan proses operasional untuk to ensure alignment between established policies and memastikan kesesuaian antara kebijakan yang ditetapkan practices implemented across all work units. dengan praktik yang dijalankan di seluruh unit kerja. Selain itu, pengendalian aspek operasional didukung oleh Furthermore, operational control is supported by mekanisme identifikasi, pengukuran, pemantauan, dan mechanisms for identifying, measuring, monitoring, and pengendalian risiko operasional, termasuk pengelolaan controlling operational risks, including operational incident insiden operasional, pengendalian terhadap pihak ketiga, management, third-party controls, and the implementation serta penerapan rencana kesinambungan usaha (business of business continuity and disaster recovery plans. Through continuity plan) dan pemulihan bencana (disaster recovery this approach, the Bank strives to maintain the reliability plan). Melalui pendekatan ini, Bank berupaya menjaga of operational processes, minimize potential service keandalan proses operasional, meminimalkan potensi disruptions, and ensure the protection of assets and gangguan layanan, serta memastikan perlindungan customer interests. terhadap aset dan kepentingan nasabah. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 371
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Tata Kelola Perusahaan • Good Corporate Governance Efektivitas pengendalian operasional dievaluasi secara The effectiveness of operational controls is periodically berkala melalui fungsi manajemen risiko, kepatuhan, evaluated through the risk management, compliance, and dan SKAI. Hasil evaluasi tersebut selanjutnya menjadi Internal Audit functions. The results of these evaluations then dasar bagi Manajemen untuk melakukan penyempurnaan serve as the basis for Management to continuously improve berkelanjutan atas proses dan pengendalian operasional, operational processes and controls, thereby supporting the sehingga mendukung penerapan prinsip tata kelola implementation of good corporate governance principles perusahaan yang baik serta keberlanjutan kinerja Bank and the sustainability of the Bank’s long-term performance. dalam jangka panjang. Pengendalian Kepatuhan terhadap Peraturan Compliance Control with Laws and Regulations Perundang-Undangan Bank menerapkan pengendalian kepatuhan secara The Bank implements comprehensive and continuous menyeluruh dan berkelanjutan guna memastikan compliance controls to ensure all business activities seluruh kegiatan usaha dilaksanakan sesuai dengan are carried out in accordance with applicable laws and peraturan perundang-undangan yang berlaku serta untuk regulations and to minimize legal risk. These controls meminimalkan risiko hukum. Pengendalian tersebut are implemented through the active and independent dilakukan melalui pelibatan aktif dan independen fungsi involvement of the compliance function in every operational kepatuhan dalam setiap aspek operasional, termasuk aspect, including policy formulation, development of new dalam perumusan kebijakan, pengembangan produk dan products and activities, and evaluation of the implementation aktivitas baru, serta evaluasi atas implementasi ketentuan of regulatory provisions. regulator. Melalui mekanisme pengendalian yang sistematis dan Through this systematic and continuous control mechanism, berkesinambungan ini, Bank berupaya memastikan bahwa the Bank strives to ensure that potential regulatory violations potensi pelanggaran regulasi dapat diidentifikasi dan are identified and addressed early and in a timely manner. ditangani secara dini dan tepat waktu. Dengan demikian, Thus, the implementation of compliance controls not only penerapan pengendalian kepatuhan tidak hanya berfungsi serves as a legal risk mitigation tool but also supports the sebagai alat mitigasi risiko hukum, tetapi juga mendukung strengthening of good corporate governance and maintains penguatan tata kelola perusahaan yang baik serta menjaga the Bank’s long-term sustainability and reputation. keberlangsungan dan reputasi Bank dalam jangka panjang. Evaluasi Atas Sistem Pengendalian Evaluation of the Bank’s Internal Control Internal Bank Tahun 2025 System in 2025 Sepanjang tahun 2025, Bank telah melakukan evaluasi atas Throughout 2025, the Bank conducted an evaluation kecukupan dan efektivitas Sistem Pengendalian Internal of the adequacy and effectiveness of its Internal Control guna memastikan bahwa seluruh kebijakan, prosedur, dan System to ensure that all policies, procedures, and control proses pengendalian berjalan secara memadai, konsisten, processes were implemented adequately, consistently, and dan sesuai dengan ketentuan regulator serta standar in accordance with regulatory provisions and applicable internal yang berlaku. Evaluasi ini dilaksanakan sebagai internal standards. This evaluation was conducted as part bagian dari komitmen Bank dalam menerapkan prinsip of the Bank’s commitment to implementing prudential kehati-hatian di seluruh aktivitas operasional dan bisnis. principles in all operational and business activities. Evaluasi atas SPI dilakukan melalui pendekatan yang The Internal Control System (SPI) evaluation is terintegrasi, melibatkan fungsi manajemen risiko, conducted through an integrated approach, involving risk kepatuhan, dan SKAI. Penilaian mencakup aspek keuangan management, compliance, and Internal Audit functions. dan operasional, termasuk efektivitas pengendalian atas The assessment covers financial and operational aspects, proses bisnis utama, keandalan pelaporan keuangan, including the effectiveness of controls over key business kepatuhan terhadap peraturan perundang-undangan, processes, the reliability of financial reporting, compliance serta kecukupan pengendalian dalam mengelola risiko with laws and regulations, and the adequacy of controls yang melekat pada aktivitas Bank. Hasil evaluasi tersebut in managing the risks inherent in the Bank’s activities. The dilaporkan kepada Manajemen dan Dewan Komisaris evaluation results are reported to Management and the sebagai dasar pengambilan keputusan dan perbaikan Board of Commissioners as a basis for decision-making berkelanjutan. and continuous improvement. 372 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Berdasarkan hasil evaluasi yang dilakukan selama Based on the evaluation results conducted during 2025,
tahun 2025, Bank menilai bahwa Sistem Pengendalian the Bank assesses that the Internal Control System has
Internal telah berjalan secara memadai dan efektif dalam been operating adequately and effectively in supporting
mendukung pencapaian tujuan Bank, menjaga integritas the achievement of the Bank’s objectives, maintaining
operasional, serta memitigasi risiko secara terukur. Setiap operational integrity, and mitigating risks in a measurable
temuan dan area yang memerlukan penguatan telah manner. All findings and areas requiring strengthening have
ditindaklanjuti oleh unit kerja terkait sesuai dengan rencana been followed up by the relevant work units in accordance
aksi yang disepakati, serta dipantau secara berkelanjutan with the agreed action plan, and are continuously monitored
guna memastikan implementasi perbaikan berjalan tepat to ensure timely implementation of improvements and
waktu dan sesuai dengan prinsip GCG. adherence to GCG principles.
Pernyataan Direksi dan/atau Dewan Statement by the Board of Directors
Komisaris atas Kecukupan Sistem and/or Board of Commissioners on the
Pengendalian Internal Adequacy of the Internal Control System
Direksi dan Dewan Komisaris menyatakan bahwa The Board of Directors and the Board of Commissioners
Sistem Pengendalian Internal Bank telah dirancang declare that the Bank’s Internal Control System has been
dan diimplementasikan secara memadai sesuai dengan adequately designed and implemented in accordance with
kompleksitas usaha, karakteristik kegiatan, serta profil the Bank’s business complexity, activity characteristics,
risiko Bank. Penerapan SPI tersebut dilakukan dengan and risk profile. The implementation of the Internal Control
mengacu pada ketentuan regulator, kebijakan internal, dan System is carried out in accordance with regulatory
praktik terbaik yang berlaku di industri perbankan, serta provisions, internal policies, and best practices in the
didukung oleh struktur organisasi, kebijakan, dan prosedur banking industry, and is supported by a clear and well-
yang jelas dan terdokumentasi dengan baik. documented organizational structure, policies, and
procedures.
Direksi bertanggung jawab atas perancangan, penerapan, The Board of Directors is responsible for the design,
dan pemeliharaan Sistem Pengendalian Internal di seluruh implementation, and maintenance of the Internal Control
aktivitas Bank, termasuk penyediaan sumber daya, sistem, System across all Bank activities, including the provision
dan infrastruktur pendukung yang memadai. Sementara of adequate resources, systems, and supporting
itu, Dewan Komisaris melaksanakan fungsi pengawasan infrastructure. Meanwhile, the Board of Commissioners
atas kecukupan dan efektivitas penerapan SPI melalui oversees the adequacy and effectiveness of the Internal
mekanisme pengawasan yang berkelanjutan, termasuk Control System through ongoing oversight mechanisms,
melalui peran aktif komite-komite di bawah Dewan including the active role of committees under the Board
Komisaris dan laporan dari fungsi manajemen risiko, of Commissioners and reports from the risk management,
kepatuhan, serta SKAI. compliance, and Internal Audit functions.
Berdasarkan hasil evaluasi yang dilakukan secara berkala Based on the results of periodic evaluations conducted
sepanjang tahun 2025, Direksi dan Dewan Komisaris throughout 2025, the Board of Directors and the Board of
berpendapat bahwa Sistem Pengendalian Internal Bank Commissioners are of the opinion that the Bank’s Internal
telah berjalan secara efektif dalam mendukung pencapaian Control System has been operating effectively in supporting
tujuan Bank, menjaga keandalan pelaporan keuangan, the achievement of the Bank’s objectives, maintaining the
memastikan kepatuhan terhadap peraturan perundang- reliability of financial reporting, ensuring compliance with
undangan, serta memitigasi risiko yang melekat pada laws and regulations, and mitigating the risks inherent in
kegiatan usaha Bank. the Bank’s business activities.
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Tata Kelola Perusahaan • Good Corporate Governance Integritas Pelaporan Keuangan Bank Integrity of Bank Financial Reporting Bank menempatkan integritas pelaporan keuangan sebagai Banks prioritize financial reporting integrity as a key pillar of pilar utama dalam praktik governansi yang baik. Seluruh good governance practices. The entire financial reporting proses penyusunan laporan keuangan dilaksanakan dengan process prioritizes accuracy, reliability, and full compliance mengedepankan prinsip akurasi, keandalan, dan kepatuhan with applicable regulations, including the provisions of OJK penuh terhadap peraturan yang berlaku, termasuk ketentuan Regulation 18 of 2025 (“POJK 18/2025”) concerning POJK 18 Tahun 2025 (“POJK 18/2025”) tentang Transparency and Publication of Bank Reports. This Transparansi dan Publikasi Laporan Bank. Regulasi ini regulation stipulates that banks must have an Executive menegaskan bahwa Bank wajib memiliki Pejabat Eksekutif Officer or at least one member who prepares internal atau minimal 1 (satu) anggota penyusun laporan keuangan financial reports who has passed Chartered Accountant internal yang telah lulus sertifikasi Chartered Accountant (CA) certification to ensure professional competence at (CA) untuk memastikan kompetensi profesional dalam every stage of financial report preparation. setiap tahap penyusunan laporan keuangan. Pada lingkup Bank, Pejabat Eksekutif yang membawahi Within the Bank, the Executive Officer responsible for fungsi akuntansi dan pelaporan keuangan memimpin tim accounting and financial reporting leads the internal financial penyusun laporan keuangan internal. Tim ini bertanggung report preparation team. This team is directly responsible jawab langsung atas penyusunan, verifikasi, dan validasi for the preparation, verification, and validation of financial laporan keuangan, sehingga setiap informasi yang reports, ensuring that all information submitted to the OJK disampaikan kepada OJK maupun pemangku kepentingan and other stakeholders accurately and responsibly reflects lainnya mencerminkan kondisi keuangan bank secara the bank’s financial condition. akurat dan dapat dipertanggungjawabkan. Profil Pejabat Eksekutif Penyusun Laporan Keuangan Profile of Executive Officers Preparing Financial Statement Sigit Pamungkas Penyusun Laporan Keuangan adalah Bapak Sigit Pamungkas, The Financial Statements were prepared by Mr. Sigit Pamungkas. profil lengkap mengenai beliau dapat dilihat pada Bab profile His complete profile is presented in the Company Profile chapter, perusahaan, Sub pejabat Eksekutif, halaman 120. under the Executive Officers subsection, page 120. Dengan adanya struktur ini, Bank menegaskan komitmen With this structure, the Bank affirms its full commitment penuh untuk memastikan kepercayaan pemegang saham, to ensuring the trust of shareholders, regulators, and regulator, dan publik, sekaligus memperkuat budaya the public, while strengthening a culture of integrity and integritas dan akuntabilitas dalam seluruh kegiatan accountability across all of the bank’s financial reporting pelaporan keuangan bank. Pendekatan ini tidak hanya activities. This approach not only meets regulatory memenuhi ketentuan regulasi, tetapi juga mencerminkan requirements but also reflects the highest professionalism profesionalisme dan standar tertinggi dalam praktik and standards of modern banking practice. perbankan modern. 374 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance Permodalan dan Sistem Manajemen Risiko Capital and Risk Management System Dalam menghadapi dinamika industri perbankan dan In facing the dynamics of the banking industry and increasing peningkatan kompleksitas risiko, Bank meyakini bahwa risk complexity, the Bank believes that adequate capital kecukupan permodalan yang memadai harus didukung adequacy must be supported by the implementation of an oleh penerapan Sistem Manajemen Risiko yang efektif, effective, integrated Risk Management System aligned with terintegrasi, dan sejalan dengan profil risiko Bank. the Bank’s risk profile. Capital serves as the primary buffer Permodalan berfungsi sebagai penyangga utama dalam to absorb potential losses arising from risk exposures in menyerap potensi kerugian yang timbul dari eksposur risiko business activities, while also serving as the foundation kegiatan usaha, sekaligus menjadi dasar bagi Bank dalam for the Bank’s prudent and sustainable intermediation menjalankan fungsi intermediasi dan pertumbuhan bisnis function and business growth. Therefore, the Bank’s capital secara prudent dan berkelanjutan. Sehubungan dengan itu, management consistently adheres to the Minimum Capital pengelolaan permodalan Bank senantiasa mengacu pada Adequacy Requirement (KPMM) regulations and takes ketentuan Kewajiban Penyediaan Modal Minimum (KPMM) into account the Bank’s business strategy, risk profile, and serta mempertimbangkan strategi bisnis, profil risiko, dan ability to anticipate various risk scenarios. kemampuan Bank dalam mengantisipasi berbagai skenario risiko. Permodalan dan Sistem Manajemen Risiko merupakan dua Capital and the Risk Management System are two elemen yang saling terkait dan tidak terpisahkan dalam interrelated and inseparable elements in maintaining menjaga stabilitas, ketahanan, dan kesinambungan usaha the Bank’s business stability, resilience, and continuity. Bank. Kecukupan permodalan mencerminkan kemampuan Capital adequacy reflects the Bank’s ability to absorb risks Bank dalam menyerap risiko yang timbul dari aktivitas arising from operational and business activities, while the operasional dan bisnis, sementara penerapan Sistem implementation of the Risk Management System ensures Manajemen Risiko memastikan bahwa seluruh risiko yang that all risks inherent in the Bank’s business activities melekat pada kegiatan usaha Bank dikelola secara terukur, are managed in a measured, controlled manner, and in terkendali, dan sesuai dengan tingkat risiko yang dapat accordance with its acceptable risk appetite. diterima (risk appetite). Sistem Manajemen Risiko Bank diterapkan dengan The Bank’s Risk Management System is implemented mengacu pada ketentuan POJK mengenai penerapan in accordance with the Financial Services Authority manajemen risiko bagi bank umum, yang mencakup proses (OJK) regulations concerning the implementation of risk identifikasi, pengukuran, pemantauan, dan pengendalian management for commercial banks, which encompasses risiko secara terintegrasi. Penerapan sistem ini didukung an integrated process of risk identification, measurement, oleh kebijakan dan prosedur yang memadai, struktur monitoring, and control. This system is supported by organisasi yang jelas, serta mekanisme pengendalian adequate policies and procedures, a clear organizational internal yang efektif guna memastikan bahwa pengelolaan structure, and effective internal control mechanisms to seluruh jenis risiko dilakukan secara konsisten dan sejalan ensure that all types of risks are managed consistently and dengan hasil penilaian profil risiko Bank. in line with the Bank’s risk profile assessment. Keterpaduan antara pengelolaan permodalan yang The integration of adequate capital management and the memadai dan penerapan Sistem Manajemen Risiko yang implementation of an effective Risk Management System efektif memungkinkan Bank untuk menjaga ketahanan enables the Bank to maintain resilience to potential terhadap potensi tekanan risiko, memitigasi potensi risk pressures, optimally mitigate potential losses, and kerugian secara optimal, serta meningkatkan kemampuan enhance its ability to navigate business dynamics and Bank dalam menghadapi dinamika bisnis dan kondisi fluctuating economic conditions. Therefore, integrated ekonomi yang berfluktuasi. Dengan demikian, pengelolaan capital and risk management serves as a critical foundation PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 375
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Tata Kelola Perusahaan • Good Corporate Governance
permodalan dan risiko secara terintegrasi menjadi landasan for the application of prudential principles, strengthening
penting dalam penerapan prinsip kehati-hatian, penguatan good corporate governance, and achieving long-term
tata kelola perusahaan yang baik, serta pencapaian kinerja performance and sustainability.
dan keberlanjutan Bank dalam jangka panjang.
Dasar Penerapan Basis of Implementation
Dasar penerapan pengelolaan permodalan dan manajemen The basis for the Bank’s capital management and risk
risiko Bank mengacu pada beberapa ketentuan berikut: management refers to the following provisions:
1. POJK No. 55/POJK.03/2016 tentang Penerapan Tata 1. POJK No. 55/POJK.03/2016 on Governance
Kelola bagi Bank Umum; Implementation for Commercial Banks;
2. POJK No. 18/POJK.03/2016 tentang Penerapan 2. POJK No. 18/POJK.03/2016 on Risk Management
Manajemen Risiko bagi Bank Umum; Implementation for Commercial Banks;
3. POJK No. 4/POJK.03/2016 tentang Penilaian Tingkat 3. POJK No. 4/POJK.03/2016 on Soundness Level
Kesehatan Bank Umum; Assessment of Commercial Banks;
4. POJK No. 11/POJK.03/2022 tentang 4. POJK No. 11/POJK.03/2022 on Information
Penyelenggaraan Teknologi Informasi oleh Bank Technology Operations by Commercial Banks;
Umum;
5. POJK No. 17 Tahun 2023 tentang Penerapan Tata 5. POJK No. 17 of 2023 on Governance Implementation
Kelola bagi Bank Umum; for Commercial Banks;
6. SEOJK No. 14/SEOJK.03/2025 tentang Penerapan 6. SEOJK No. 13/SEOJK.03/2017 on Governance
Tata Kelola bagi Bank Umum; Implementation for Commercial Banks;
7. SEOJK No. 14/SEOJK.03/2017 tentang Penilaian 7. SEOJK No. 14/SEOJK.03/2017 on Soundness Level
Tingkat Kesehatan Bank Umum; serta Assessment of Commercial Banks; and
8. SEOJK No. 34/SEOJK.03/2016 tentang Penerapan 8. SEOJK No. 34/SEOJK.03/2016 on Risk Management
Manajemen Risiko bagi Bank Umum. Implementation for Commercial Banks.
Pengungkapan Permodalan Disclosure of Capital
Struktur Permodalan Capital Structure
Struktur modal Bank terdiri dari: The Bank’s capital structure consists of:
1. Modal Inti (Tier 1) 1. Core Capital (Tier 1)
a. Modal Inti Utama a. Core Capital
• Modal Disetor • Fully Paid-up Capital
Modal disetor Bank per posisi 31 Desember The Bank’s paid-up capital as of December
2025 sebesar Rp4,79 triliun. 31, 2025, was IDR4.79 trillion.
• Cadangan Tambahan Modal • Disclosed Reserves
1) Faktor Penambah 1) Addition Factors
Faktor penambah dalam perhitungan Addition factors in the capital
permodalan posisi 31 Desember 2025 calculation as of December 31, 2025,
sebesar Rp1,11 triliun berasal dari: was IDR1.11 trillion coming from:
a) Agio; a) Share Premium;
b) Cadangan umum; b) General Reserve;
c) Laba tahun berjalan; c) Profit for the Year;
d) Pendapatan komprehensif lainnya. d) Other comprehensive income.
2) Faktor Pengurang 2) Deduction Factors
Faktor pengurang dalam perhitungan Deduction factors in the capital
permodalan posisi 31 Desember 2025 calculation as of December 31, 2025,
sebesar Rp148,06 miliar berasal dari: was IDR148.06 million coming from:
a) Rugi tahun lalu; a) Loss from previous years;
b) Selisih perhitungan PPA dan b) Difference between the calculation
CKPN; serta of PPA and CKPN; and
c) Penyisihan penghapusan aset c) Allowance for the write-off of non-
nonproduktif. productive assets.
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Tata Kelola Perusahaan • Good Corporate Governance
• Kepentingan Non-Pengendali yang Dapat • Non-Controlling Interests that Can Be
Diperhitungkan Calculated
Tidak terdapat kepentingan non-pengendali There are no non-controlling interests that
yang dapat diperhitungkan dalam can be calculated in calculating capital.
perhitungan modal.
• Faktor Pengurang Modal Inti Utama • Core Capital Deduction Factors The
Faktor pengurang dalam perhitungan modal deduction factors in calculating the core
inti utama Bank sebesar Rp24,01 miliar capital of the Bank was IDR 24.01 million
berasal dari: coming from:
1) Pajak tangguhan; serta 1) Deferred tax; and
2) Aset tidak berwujud. 2) Intangible assets.
c. Modal Inti Tambahan b. Additional Core Capital
Bank tidak memiliki instrumen modal inti The Bank does not have any additional core
tambahan yang memenuhi kriteria peraturan OJK capital instruments, which meets the criteria
yang berlaku. under the applicable OJK regulation.
2. Modal Pelengkap (Tier 2) 2. Supplementary Capital (Tier 2)
Jumlah cadangan umum penyisihan penilaian kualitas The total general reserve for asset quality assessment
aset (PPKA) atas aset produktif yang wajib dibentuk (PPKA) on productive assets that must be formed was
tercatat sebesar Rp198,52 miliar. recorded at IDR198,52 billion.
Kewajiban Pembentukan Tambahan Modal Obligations to Form Additional Capital
1. Capital Conservation Buffer 1. Capital Conservation Buffer
Bank masih tergolong sebagai Kelompok Bank The Bank is still classified as Bank Groups based on
berdasarkan Modal Inti (KBMI) 1 sehingga tidak wajib Core Capital (KBMI) 1 so it is not mandatory to form
membentuk Capital Conservation Buffer. Capital Conservation Buffer.
2. Countercyclical Buffer 2. Countercyclical Buffer
Pembentukan Countercyclical Buffer sesuai POJK The establishment of Countercyclical Buffer according
No. 11/POJK.03/2016 tentang Kewajiban Penyediaan to POJK No. 11/POJK.03/2016 on Minimum Capital
Modal Minimum Bank Umum dan Surat Deputi Adequacy Requirement for Commercial Banks and
Gubernur Bank Indonesia No. 17/46/DpG/DKMP the Letter of the Deputy Governor of Bank Indonesia
tentang Kewajiban Pembentukan Countercyclical No. 17/46/DpG/DKMP on Obligations to Establish
Buffer sebesar 0% telah diberlakukan efektif per 1 Countercyclical Buffer of 0% has been effective as
Januari 2016, dan sesuai dengan Siaran Pers Bank of January 1, 2016, and in accordance with Bank
Indonesia tanggal 20 Oktober 2022 yang belum ada Indonesia Press Release dated October 20, 2022,
perubahan. which has not yet been changed.
3. Capital Surcharge 3. Capital Surcharge
Bank bukan termasuk Bank yang ditetapkan sebagai The Bank is not a bank that is designated as a bank
Bank yang berdampak sistemik, sehingga tidak wajib with a systemic impact, so it is not required to form a
membentuk Capital Surcharge. Capital Surcharge.
Kecukupan Permodalan Capital Adequacy
Profil risiko Bank adalah peringkat 2 (dua) atau The Bank’s risk profile is rated 2 (two) or “low to moderate”.
“low to moderate”. Dengan demikian, sesuai POJK No. 11/ Thus, according to POJK No. 11/POJK.03/2016 on
POJK.03/2016 tentang Kewajiban Modal Minimum Bank Minimum Capital Requirements for Commercial Banks, the
Umum, Bank wajib menyediakan modal minimum paling Bank is required to provide a minimum capital of 9% to
rendah sebesar 9% sampai dengan kurang dari 10% less than 10% of the total Risk Weighted Assets (RWA).
dari total Aset Tertimbang Menurut Risiko (ATMR). Per As of December 2024, the Bank had a total capital of
Desember 2025, Bank mempunyai total modal sebesar IDR5.92 trillion with a ratio of 34.86% of the total RWA.
Rp5,92 triliun dengan rasio sebesar 34.86% dari jumlah Based on the total capital and this ratio, the Bank has a
ATMR. Berdasarkan jumlah modal dan rasio tersebut, Bank good condition in managing the Bank’s business risks.
mempunyai kondisi yang baik dalam mengabsorp potensi
risiko bisnis Bank.
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Tata Kelola Perusahaan • Good Corporate Governance
Pengungkapan Manajemen Risiko Risk Management Disclosure
Pengungkapan manajemen risiko merupakan wujud Risk management disclosure demonstrates the
komitmen Bank dalam menerapkan prinsip transparansi, Bank’s commitment to implementing the principles of
akuntabilitas, dan tata kelola yang baik. Melalui transparency, accountability, and good governance.
pengungkapan ini, Bank menyampaikan informasi terkait Through this disclosure, the Bank conveys information
identifikasi, penilaian, pemantauan, dan pengendalian regarding the identification, assessment, monitoring, and
berbagai risiko yang melekat pada seluruh kegiatan control of various risks inherent in all operational and
operasional dan bisnis. Dalam implementasinya, manajemen business activities. In its implementation, the Bank’s risk
risiko Bank sudah disusun sesuai ketentuan POJK No. 18/ management has been structured in accordance with the
POJK.03/2016 tentang Penerapan Manajemen Risiko provisions of POJK No. 18/POJK.03/2016 concerning the
bagi Bank Umum, SEOJK No. 34/SEOJK.03/2016 Implementation of Risk Management for Commercial Banks,
mengenai Pedoman Pelaksanaan Manajemen Risiko, serta SEOJK No. 34/SEOJK.03/2016 concerning Guidelines
SEOJK No. 14/SEOJK.03/2017 tentang Penilaian Tingkat for Risk Management Implementation, and SEOJK No.
Kesehatan Bank Umum. 14/SEOJK.03/2017 concerning the Assessment of the
Soundness Level of Commercial Banks.
Untuk memastikan efektivitas pengelolaan risiko, Bank To ensure the effectiveness of risk management, the Bank
telah membentuk Komite Manajemen Risiko serta Satuan has established a Risk Management Committee and a Risk
Kerja Manajemen Risiko yang bertanggung jawab atas Management Work Unit responsible for the identification,
identifikasi, pemantauan, dan mitigasi setiap eksposur monitoring, and mitigation of each risk exposure. With the
risiko. Dengan dukungan struktur pengelolaan risiko yang support of a comprehensive risk management structure,
lengkap, Bank mampu mengelola risiko secara proaktif, the Bank is able to manage risks proactively, measurably,
terukur, dan sesuai dengan risk appetite yang telah and in accordance with its established risk appetite.
ditetapkan.
Implementasi Manajemen Risiko Risk Management Implementation
Bank secara konsisten mengimplementasikan manajemen The Bank consistently implements risk management with
risiko dengan tujuan utama untuk memitigasi potensi the primary objective of mitigating the potential negative
dampak negatif dari berbagai risiko, sekaligus memastikan impacts of various risks while ensuring operational
keberlanjutan dan stabilitas operasional. Penerapan sustainability and stability. Effective risk management
manajemen risiko yang efektif tidak hanya memperkuat implementation not only strengthens the quality of
kualitas pengambilan keputusan strategis, tetapi juga strategic decision-making but also ensures compliance
memastikan kepatuhan terhadap ketentuan regulator, with regulatory requirements, strengthens governance
memperkokoh disiplin tata kelola, serta meningkatkan discipline, and enhances stakeholder trust in the Bank’s
tingkat kepercayaan pemangku kepentingan terhadap integrity and credibility.
integritas dan kredibilitas Bank.
Kerangka manajemen risiko Bank berlandaskan pada 4 The Bank’s risk management framework is based on
(empat) pilar utama sesuai ketentuan OJK, yang menjadi four main pillars, as stipulated by the Financial Services
fondasi bagi pengelolaan risiko secara sistematis, terukur, Authority (OJK), which serve as the foundation for
dan konsisten di seluruh lini bisnis: systematic, measurable, and consistent risk management
across all business lines:
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Tata Kelola Perusahaan • Good Corporate Governance
1. Pengawasan Aktif Direksi dan Dewan Komisaris 1. Active Monitoring of the Board of Directors and
Direksi bertanggung jawab penuh untuk memastikan Board of Commissioners
bahwa kebijakan dan prosedur manajemen risiko telah The Board of Directors is responsible for ensuring
dijalankan secara efektif di seluruh unit bisnis. Selain itu, that the risk management policies and procedures
Direksi juga secara berkala memantau eksposur risiko, implemented are effective throughout the Bank’s
menilai efektivitas strategi mitigasi, serta memastikan operations. The Board of Directors periodically monitors
bahwa langkah-langkah pengendalian risiko selaras the risks faced and assesses the effectiveness of
dengan profil risiko Bank. Sebagai fungsi pengawasan mitigation strategies implemented. On the other hand,
strategis, Dewan Komisaris mengevaluasi kinerja the Board of Commissioners plays a role in overseeing
Direksi dalam penerapan kebijakan risiko, memberikan the Board of Directors’ performance in carrying out
arahan strategis, serta memastikan kesesuaian its functions. The Board of Commissioners provides
tindakan manajemen dengan prinsip kehati-hatian dan strategic direction and ensures that the Board of
kebijakan risiko yang telah disetujui. Directors works in accordance with the approved risk
policies.
2. Kecukupan Kebijakan dan Prosedur Manajemen 2. Adequacy of Risk Management Policies and
Risiko serta Penetapan Limit Risiko Procedures and Determination of Risk Limits
Kebijakan manajemen risiko dirancang untuk Risk management policies are designed to provide
memberikan panduan yang komprehensif dalam clear and structured guidance in identifying,
mengidentifikasi, mengukur, memantau, dan measuring, managing, and monitoring various risk
mengendalikan risiko yang melekat pada kegiatan types faced. The established procedures support
usaha Bank. Prosedur yang diterapkan mendukung this policy implementation by ensuring that each
implementasi kebijakan secara konsisten di seluruh step in the risk management process is implemented
unit kerja. Penetapan limit risiko menjadi mekanisme consistently across all business units. In addition,
kunci untuk mengendalikan tingkat eksposur, determination of risk limits is a crucial step that serves
menyesuaikan dengan profil risiko, kapasitas modal, as a control mechanism to limit risk exposure that
dan kemampuan Bank menanggung potensi kerugian. the Bank can tolerate. Limits are set based on the
Limit risiko dievaluasi secara berkala untuk memastikan Bank’s risk profile and capacity to bear risk and are
responsivitas terhadap perubahan kondisi pasar dan evaluated periodically to adjust to changes in market
operasional. and operational conditions.
3. Kecukupan Proses Identifikasi, Pengukuran, 3. Adequacy of Risk Identification, Measurement,
Pemantauan, dan Pengendalian Risiko serta Monitoring, and Control Processes, as well as
Sistem Informasi Manajemen Risiko Risk Management Information Systems
Bank menjalankan proses identifikasi risiko secara The Bank carries out a comprehensive risk identification
menyeluruh untuk mengungkap potensi risiko yang process to uncover potential risks that could impact
dapat memengaruhi strategi dan kinerja. Setiap risiko strategy and performance. Each identified risk is
yang teridentifikasi diukur menggunakan metode measured using relevant methods and indicators
dan indikator yang relevan untuk menilai dampak to assess its impact and probability. Continuous
dan probabilitasnya. Proses pemantauan dilakukan monitoring is conducted to ensure risks remain within
secara berkesinambungan untuk memastikan risiko established tolerance limits and to identify the need for
berada dalam batas toleransi yang telah ditetapkan, corrective action. The established mitigation strategy
serta mendeteksi kebutuhan tindakan korektif. Strategi encompasses controls for operational, financial, credit,
mitigasi yang ditetapkan mencakup pengendalian market, liquidity, as well as strategic and reputational
risiko operasional, keuangan, kredit, pasar, likuiditas, risks, supported by a robust risk management
serta risiko strategis dan reputasi, yang didukung oleh information system.
sistem informasi manajemen risiko yang handal.
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Tata Kelola Perusahaan • Good Corporate Governance
4. Pengendalian Intern yang Menyeluruh 4. Comprehensive Internal Control
Sistem pengendalian internal Bank mencakup seluruh The Bank’s internal control system encompasses
aktivitas operasional dan keuangan untuk menjamin all operational and financial activities to ensure
kepatuhan terhadap kebijakan, prosedur, dan peraturan compliance with applicable policies, procedures,
yang berlaku. Pengendalian ini meliputi verifikasi dan and regulations. These controls include verification
pemisahan tugas, pengawasan transaksi, keamanan and segregation of duties, transaction oversight,
sistem informasi, serta mekanisme pelaporan dan information system security, and adequate reporting
monitoring yang memadai. Dengan demikian, Bank and monitoring mechanisms. Thus, the Bank creates a
menciptakan lingkungan kerja yang terkontrol, disiplin, controlled, disciplined work environment that supports
dan mendukung pengambilan keputusan berdasarkan decision-making based on GCG principles.
prinsip GCG.
Kerangka implementasi manajemen risiko Bank secara The Bank’s integrated risk management implementation
terintegrasi menghubungkan keempat pilar tersebut framework connects these four pillars, ensuring effective
sehingga memastikan terjalinnya koordinasi yang efektif coordination between the Board of Directors, Board
antara Direksi, Dewan Komisaris, Komite Manajemen of Commissioners, Risk Management Committee, Risk
Risiko, Satuan Kerja Manajemen Risiko, dan unit kerja Management Work Unit, and related work units. This
terkait. Dengan begitu, seluruh risiko yang dihadapi Bank ensures that all risks faced by the Bank can be managed
dapat dikelola secara sistematis, terukur, dan transparan. systematically, measurably, and transparently. This
Framework ini menjadi dasar bagi pengambilan keputusan framework serves as the basis for prudent decision-
yang prudent, mendukung ketahanan operasional, serta making, supports operational resilience, and maintains the
menjaga keberlanjutan kinerja Bank. Secara garis besar, Bank’s sustainable performance. Broadly speaking, the
penerapan keempat pilar manajemen risiko Bank tercermin implementation of the Bank’s four risk management pillars
pada kerangka berikut ini: is reflected in the following framework:
Sasaran
Target
1. Risiko Terkendali Dengan Risk Appetite And Risk Tolerance.
Risk Management using Risk Appetite and Risk Tolerance.
2. Alokasi Modal Optimal dan Memberikan Nilai Tambah bagi Pemangku Kepentingan.
Risk Optimal Capital Allocation and Stakeholder Value Enhancement.
Organisasi Tugas dan Identifikasi, Pengendalian,
Tanggung Jawab Kebijakan Produser dan Limit Pengukuran, dan Pemantauan Satuan Kerja Audit Internal
Organisation of Duties and Producer Policy and Limit Identification, Control, Measurement, Internal Audit Unit
Responsibilities and Monitoring
SIM (Risiko Kredit, Pasar, Likuiditas, Satuan Kerja Manajemen Risiko,
Budaya Manajemen Risiko Strategi Manajemen Risiko OPS, dan Risiko Lainnya) Kepatuhan, dan Legal
Risk Management Culture Risk Management Strategy SIM (Credit Risk, Market, Liquidity, OPS, Risk Management Work Unit,
and Other Risks) Compliance, and Legal
Sumber Daya Manusia Risk Appetite and Risk Pelaporan (Publikasi)
Risk Taking Unit
Human Capital Tolerance Reporting (Publication)
Pengawasan Aktif Direksi dan
Dewan Komisaris Kebijakan, Prosedur, Limit Proses Manajemen Risiko Pengendalian Internal
Board of Directors and Board of Policies, Procedures, Limits Risk Management Process Internal Control
Commissioners Active Monitoring
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Tata Kelola Perusahaan • Good Corporate Governance Organisasi Manajemen Risiko Risk Management Organization Penerapan manajemen risiko di Bank dijalankan melalui The Bank implements risk management through an struktur pengawasan yang terintegrasi dan berlapis, yang integrated and multi-layered supervisory structure, mencakup Direksi dan Dewan Komisaris, Komite Pemantau which includes the Board of Directors and the Board of Risiko, serta Komite Manajemen Risiko. Selain itu, Bank Commissioners, the Risk Monitoring Committee, and the juga menunjuk Direktur Kepatuhan sebagai pihak yang Risk Management Committee. Furthermore, the Bank has bertanggung jawab memastikan fungsi manajemen risiko appointed a Compliance Director responsible for ensuring berjalan efektif dan terkoordinasi dengan baik sehingga the effective and well-coordinated risk management seluruh proses manajemen risiko dapat berjalan dengan function, ensuring that the entire risk management process tertib, transparan, dan sesuai prinsip kehati-hatian. is carried out in an orderly, transparent, and prudent manner. Kebijakan dan Prosedur Manajemen Risiko Risk Management Policy and Procedures Bank memiliki kebijakan manajemen risiko yang dirancang The Bank has a risk management policy designed to provide untuk memberikan kerangka kerja yang jelas dalam a clear framework for identifying, assessing, controlling, mengidentifikasi, menilai, mengendalikan, dan memantau and monitoring the risks faced. This policy establishes the risiko-risiko yang dihadapi. Kebijakan ini menetapkan principles, objectives, and strategies of risk management, prinsip-prinsip, tujuan, dan strategi manajemen risiko, while clarifying the responsibilities and authorities of each sekaligus memperjelas tanggung jawab serta wewenang relevant party. Each policy is consistently aligned with the masing-masing pihak terkait. Setiap kebijakan senantiasa Bank’s strategic objectives and complies with applicable diselaraskan dengan tujuan strategis Bank dan mematuhi laws and regulations and regulatory guidelines. peraturan perundang-undangan serta pedoman regulator yang berlaku. Prosedur manajemen risiko menjadi panduan operasional Risk management procedures serve as operational dalam menjalankan kebijakan tersebut. Proses ini guidelines for implementing this policy. This process mencakup identifikasi risiko, penilaian dan prioritisasi includes risk identification, risk assessment and risiko, implementasi tindakan mitigasi, serta pemantauan prioritization, implementation of mitigation measures, and dan pelaporan risiko secara berkala. Dengan penerapan regular risk monitoring and reporting. By implementing prosedur yang sistematis dan konsisten, Bank memastikan systematic and consistent procedures, the Bank ensures seluruh unit kerja mampu mengelola risiko secara that all work units are able to manage risks effectively, efektif, menjaga stabilitas operasional, serta mendukung maintain operational stability, and support sustainability keberlanjutan dan kepatuhan terhadap prinsip GCG. and compliance with GCG principles. Profil Risiko Utama dan Upaya Mitigasi Key Risk Profiles and Mitigation tigasi Measures Bank menerapkan manajemen risiko secara terintegrasi The Bank implements integrated risk management to untuk memastikan seluruh aktivitas usaha dijalankan sesuai ensure that all business activities are conducted in prinsip kehati-hatian dan menjaga ketahanan keuangan. accordance with prudent principles and maintain financial Kerangka manajemen risiko tersebut mencakup proses resilience. This risk management framework encompasses identifikasi, pengukuran, pemantauan, dan pengendalian the identification, measurement, monitoring, and control terhadap seluruh risiko yang melekat pada kegiatan of all risks inherent in the Bank’s operational activities, operasional Bank sehingga setiap eksposur risiko dikelola ensuring that each risk exposure is managed systematically secara sistematis dan konsisten. and consistently. Sepanjang tahun 2025, Bank telah mengidentifikasi Throughout 2025, the Bank has identified several key risk sejumlah profil risiko kunci dan menerapkan langkah- profiles and implemented structured mitigation measures, langkah mitigasinya secara terstruktur sebagaimana as outlined below: dijabarkan berikut ini: PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 381
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Tata Kelola Perusahaan • Good Corporate Governance
Profil Risko Definisi Mitigasi Bank
Risk Profile Definition Bank Mitigation
Risiko Kredit Risiko akibat kegagalan debitur dan/atau pihak Secara berkala dan berkesinambungan, Bank memonitor
Credit Risk lain dalam memenuhi kewajiban kepada Bank. Jika potensi risiko kredit untuk meminimalkan timbulnya potensi
jumlah kredit bermasalah cukup material, maka kerugian akibat gagal bayar debitur, ataupun akibat kegagalan
dapat menurunkan kinerja Bank sehingga pada pemenuhan kontrak perjanjian. Hal ini berlaku baik untuk
akhirnya dapat menurunkan tingkat kesehatan dan debitur individu maupun kelompok atau perusahaan.
pendapatan Bank. Pengukuran kebutuhan modal untuk risiko kredit dilakukan
sesuai dengan SEOJK No. 24/SEOJK.03/2021 tanggal 7
Oktober 2021 tentang Perhitungan ATMR untuk Risiko Kredit
dengan menggunakan Pendekatan Standar bagi Bank Umum.
Risk arising from the failure of debtors and/or other The Bank monitors potential credit risk periodically and
counterparties to fulfill their obligations to the Bank. continuously to minimize potential losses arising from debtor
A significant level of non-performing loans may default, or due to failure to fulfill contractual agreements. This
adversely affect the Bank’s performance, which applies both to individual debtors and groups or companies.
in turn may lead to a deterioration in the Bank’s Measurement of capital requirements for credit risk is carried
soundness level and a decline in its income. out in accordance with SEOJK No. 24/SEOJK.03/2021
dated October 7, 2021, on RWA Calculation for Credit Risk
using a Standard Approach for Commercial Banks.
Risiko Pasar Risiko akibat kerugian pada posisi neraca dan Bank mempergunakan parameter-parameter dalam mengukur
Market Risk rekening administratif Bank. Potensi risiko pasar risiko pasar, antara lain kemampuan Bank dalam menyerap
ini, termasuk yang berasal dari transaksi derivatif potensi kerugian akibat fluktuasi nilai tukar valuta asing,
Bank akibat perubahan secara keseluruhan dari kecukupan modal Bank dalam menyerap risiko nilai tukar
kondisi pasar, ataupun potensi risiko perubahan mata uang, Posisi Devisa Neto (PDN), dan kemampuan
harga option di pasar antara lain dipengaruhi oleh Bank mengantisipasi potensi kerugian yang disebabkan
perubahan suku bunga, nilai tukar, ekuitas, dan oleh fluktuasi nilai tukar. Selain itu, Bank secara berkala
harga komoditas. menghitung dan menjaga Interest Rate Risk in Banking Book
(IRRBB) agar sesuai dengan ketentuan OJK. Pengukuran
kebutuhan modal untuk risiko pasar dilakukan sesuai SEOJK
No. 23/SEOJK.03/2022 tanggal 7 Desember 2022 tentang
Perhitungan ATMR untuk Risiko Pasar bagi Bank Umum.
Risk arising from losses in the Bank’s balance The Bank uses parameters in measuring the market risk,
sheet and off-balance sheet positions. Market risk including the ability of the Bank to absorb potential losses
exposures, including those stemming from the due to fluctuations in foreign exchange rates, Bank capital
Bank’s derivative transactions, may arise due to adequacy in absorbing currency exchange rate risk, Net Open
overall changes in market conditions. Such risks Position (NOP), and the Bank’s ability to anticipate potential
are influenced by fluctuations in interest rates, losses due to exchange rate fluctuations. In addition, the Bank
exchange rates, equity prices, and commodity periodically calculates and maintains the Interest Rate Risk
prices, including potential changes in option values in Banking Book (IRRBB) to ensure that it complies with the
in the market. provisions of the OJK. Measurement of capital requirements
for market risk is carried out in accordance with SEOJK No.
23/SEOJK.03/2022 dated December 7, 2022, on RWA
Calculation for Market Risk for Commercial Banks.
Risiko Risiko akibat ketidakcukupan dan/atau tidak Sebagai langkah mitigasi potensi risiko operasional, Bank
Operasional berfungsinya proses internal, kesalahan manusia, telah menghitung kebutuhan modal agar dapat menutup risiko
Operational Risk fraud, kegagalan sistem, atau adanya kondisi operasional sesuai dengan SEOJK No. 6/SEOJK.03/2020
eksternal yang dapat mempengaruhi operasional tanggal 29 April 2020 tentang Perhitungan ATMR untuk
Bank. Risiko Operasional dengan Menggunakan Pendekatan
Standar bagi Bank Umum. Sejak tahun 2020, Bank telah
memulai implementasi sistem pelaporan berbasis teknologi
secara digital yang disediakan OJK dan BI melalui aplikasi
APOLO dan ANTASENA. Melalui sistem ini, Bank diharapkan
dapat meningkatkan efektivitas dan efisiensi penyampaian
laporan. Bank juga terus berusaha menjaga Principles for The
Sound Management of Operational Risk (PSMOR) dalam
rangka memenuhi standar Basel. Peningkatan kualitas sumber
daya manusia terus dilakukan secara berkelanjutan melalui
pendidikan dan pelatihan untuk meningkatkan kemampuan
dan kompetensi karyawan dalam bidangnya sehingga menjadi
lebih baik dan mampu memitigasi risiko operasional yang
mungkin terjadi.
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Tata Kelola Perusahaan • Good Corporate Governance
Profil Risko Definisi Mitigasi Bank
Risk Profile Definition Bank Mitigation
Risk arising from inadequate and/or non-functioning As mitigation measures for potential operational risks, the
internal processes, human error, fraud, system Bank has calculated the capital requirements in order to be
failures, or external events that may disrupt or able to cover operational risks in accordance with SEOJK
adversely affect the Bank’s operations. No. 6/SEOJK.03/2020 dated April 29, 2020, on RWA
Calculation for Operational Risk Using the Standard Approach
for Commercial Banks. Since 2020, the Bank has started
implementing a digital technology-based reporting system
provided by OJK and BI through the APOLO and ANTASENA
applications. Through this system, the Bank is expected to
increase reporting effectiveness and efficiency. The Bank
also continues to strive to maintain the Principles for The
Sound Management of Operational Risk (PSMOR) in order
to meet the Basel standards. Improving the quality of human
resources continues to be carried out on an ongoing basis
through education and training to improve the capabilities and
competencies of employees in their fields to ensure that they
become better and able to mitigate operational risks that may
occur.
Risiko Risiko akibat ketidakmampuan Bank dalam Bank menjaga dan mengantisipasi agar tidak mengalami
Likuiditas memenuhi kewajiban jatuh tempo dari sumber kesulitan likuiditas dengan cara melakukan pembatasan atau
Liquidity Risk pendanaan arus kas dan/atau dari aset likuid limit-limit kredit tertentu, memastikan ketersediaan dana pada
berkualitas tinggi yang dapat diagunkan, tanpa saat nasabah akan mengambil dananya, ataupun pada saat
mengganggu aktivitas dan kondisi keuangan akan terjadi pencairan kredit dan kewajiban-kewajiban lainnya.
Bank. Likuiditas berkaitan dengan kemampuan Untuk itu, Bank secara harian maupun bulanan menghitung
Bank untuk menghimpun sejumlah tertentu dana dan memenuhi rasio likuiditas sesuai standar Basel III, yaitu
dengan biaya tertentu dalam jangka waktu tertentu. rasio Liquidity Coverage Ratio (LCR) dan Net Stabil Funding
Likuiditas berarti memiliki sumber dana yang cukup Ratio (NSFR). Di sisi lain, Bank juga menyadari bahwa
tersedia untuk memenuhi semua kewajiban pada perilaku nasabah dalam melakukan transaksi penarikan dan
saat jatuh temponya. penyetoran dana dapat berbeda dari pola kontraktualnya,
sehingga upaya mitigasi risiko likuiditas juga dilakukan
dengan memperhatikan loyalitas dan perilaku nasabah. Fungsi
pengelolaan likuiditas pada Bank antara lain dilakukan melalui
Assets and Liabilities Management (ALMA), sedangkan
untuk mendukung efektivitas ALMA, Bank telah membentuk
Assets and Liabilities Committee (ALCO). Pertemuan ALCO
dilakukan secara rutin 1 (satu) bulan sekali untuk memutuskan
garis besar kebijakan yang akan ditempuh dalam pengelolaan
aset dan liabilitas. ALCO akan menetapkan pricing untuk aset
maupun liabilitas.
Risk arising from the Bank’s inability to meet its The Bank maintains and anticipates to avoid experiencing
maturing obligations from available cash flow liquidity issues by implementing certain credit restrictions or
funding sources and/or from high-quality liquid limits, ensuring the availability of funds when customers will
assets that can be pledged as collateral, without withdraw their funds, or when lending and other obligations
disrupting the Bank’s operations and financial occur. For this reason, the Bank calculates and fulfills the
condition. Liquidity risk reflects the Bank’s ability liquidity ratios according to the Basel III standards, namely
to obtain sufficient funds, at a reasonable cost and the Liquidity Coverage Ratio (LCR) and Net Stable Funding
within a specified timeframe, to meet all obligations Ratio (NSFR) ratios. On the other hand, the Bank is also
as they fall due. aware that customer behavior in withdrawing and depositing
funds transactions may differ from the contractual pattern,
subsequently, efforts to mitigate liquidity risk are also carried
out by taking into account customer loyalty and behavior.
The liquidity management function at the Bank is carried out
through Assets and Liabilities Management (ALMA), and to
support the effectiveness of ALMA, the Bank has established
the Assets and Liabilities Committee (ALCO). ALCO meetings
are held routinely 1 (once) a month to determine on the outline
of policies to be pursued in managing assets and liabilities.
ALCO will determine the pricing for both assets and liabilities.
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Tata Kelola Perusahaan • Good Corporate Governance
Profil Risko Definisi Mitigasi Bank
Risk Profile Definition Bank Mitigation
Risiko Stratejik Risiko akibat penetapan dan pelaksanaan strategi Sebagai mitigasi dan pengelolaan potensi risiko stratejik,
Strategic Risk Bank yang tidak tepat, pengambilan keputusan Bank telah membuat rencana bisnis yang selalu ditelaah
bisnis yang tidak tepat, atau kurang responsifnya setiap tahun ataupun melakukan revisi pada pertengahan
Bank terhadap perubahan eksternal. tahun dan membuat rencana jangka panjang (corporate
strategic plan). Rencana bisnis yang sudah ditetapkan selalu
dikomunikasikan kepada seluruh jajaran pegawai dan Bank
terus memantau perkembangan realisasi dari rencana bisnis
tersebut.
Risk arising from the inappropriate formulation and As mitigation and management of potential strategic risks, the
implementation of the Bank’s strategy, inappropriate Bank formulates a business plan that is reviewed every year or
business decisions, or the Bank’s failure to respond revised in the middle of the year, as well as formulates a long-
effectively to changes in the external environment. term plan (corporate strategic plan). The established business
plan is always communicated to all levels of employees,
and the Bank continues to monitor the development of the
business plan’s realization.
Risiko Risiko akibat Bank tidak mematuhi dan/atau tidak Langkah mitigasi potensi risiko kepatuhan pada Bank
Kepatuhan melaksanakan peraturan perundang-undangan dan adalah dengan membentuk Satuan Kerja Kepatuhan sesuai
Compliance Risk ketentuan yang berlaku. Risiko kepatuhan dapat dengan POJK No. 46/POJK.03/2017 tanggal 12 Juli 2017
disebabkan oleh kegagalan Bank dalam mematuhi tentang Pelaksanaan Fungsi Kepatuhan Bank Umum. Satuan
atau melaksanakan peraturan perundang-undangan Kerja Kepatuhan ini bertugas melakukan pemantauan dan
dan ketentuan lain yang berlaku seperti ketentuan memastikan bahwa Bank tidak melakukan pelanggaran
Rasio Kecukupan Modal (CAR), Kualitas Aset terhadap ketentuan yang ada, mengomunikasikan kebijakan
Produktif, Penyisihan Penyusutan Aset Produktif, internal maupun eksternal kepada pejabat dan pegawai yang
dan Batas Maksimum Pemberian Kredit. ada di setiap jenjang organisasi, melakukan analisis kepatuhan
terhadap produk baru, membuat checklist untuk pembukaan
kantor cabang atau cabang pembantu baru, serta checklist
kepatuhan permohonan kredit.
Risk arising from the Bank’s non-compliance with, Mitigate measures for potential compliance risks at the
and/or failure to implement, applicable laws and Bank are carried out by establishing Compliance Unit in
regulations. Compliance risk may result from the accordance with Financial Services Authority Regulation No.
Bank’s failure to adhere to prevailing regulatory 46/POJK.03/2017 dated July 12, 2017, on Implementation of
requirements and other applicable provisions, Compliance Function for Commercial Banks. This Compliance
including those related to the Capital Adequacy Unit is in charge of monitoring and ensuring that the Bank does
Ratio (CAR), asset quality, allowance for impairment not violate the existing regulations, communicating internal
of earning assets, and the legal lending limit. and external policies to officials and employees at every
organizational level, analyzing compliance for new products,
creating checklists for opening branch or sub-branch offices,
and creating compliance checklist for loan application.
Risiko Hukum Risiko akibat tuntutan hukum dan/atau kelemahan Pengelolaan potensi risiko hukum yang dilakukan Bank
Legal Risk aspek yuridis. Potensi risiko hukum lain dapat adalah dengan membentuk bagian legal yang bertugas untuk
muncul akibat adanya tuntutan hukum, ketiadaan memantau segala hal yang berkaitan dengan kegiatan hukum
perundang- undangan yang mendukung, atau untuk mengurangi risiko hukum. Penempatan pegawai di
kelemahan perikatan seperti tidak dipenuhinya bagian legal telah sesuai dengan latar belakang pendidikan,
syarat keabsahan kontrak. dan tetap dilakukan peningkatan pengetahuan melalui
pelatihan secara berkala.
Risk arising from legal actions and/or weaknesses The management of potential legal risks carried out by the
in juridical aspects. Legal risk may also stem from Bank is by establishing a legal division whose job is to
litigation, the absence of adequate supporting monitor all matters related to legal activities to reduce legal
legislation, or deficiencies in contractual risks. The placement of employees in the legal department is
arrangements, including non-compliance with in accordance with their educational background, and their
requirements for contract validity. knowledge is still being improved through regular training.
384 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Profil Risko Definisi Mitigasi Bank
Risk Profile Definition Bank Mitigation
Risiko Reputasi Risiko akibat adanya publikasi ataupun persepsi Untuk mengelola risiko reputasi dengan baik, Bank melakukan
Reputation Risk publik yang negatif terkait dengan kegiatan mitigasi dengan membentuk unit khusus untuk menangani
usaha Bank. Bank meyakini bahwa reputasi dan pengaduan nasabah. Bank telah memiliki Call Center yang
kepercayaan merupakan fondasi penting dalam dapat memudahkan nasabah dalam menyampaikan keluhan
industri perbankan. Hilangnya kepercayaan atau kendala yang dihadapi dan dengan cepat dapat
nasabah tersebut dapat berdampak langsung pada menanggapi serta membantu nasabah untuk menyelesaikan
menurunnya jumlah nasabah dan pendapatan, serta masalah tersebut. Upaya peningkatan pelayanan terhadap
peningkatan biaya untuk pemulihan kepercayaan nasabah terus diupayakan untuk ditingkatkan dengan adanya
masyarakat melalui aktivitas kehumasan. pembukaan jaringan kantor baru dan kemudahan transaksi
dengan menggunakan jaringan ATM Bersama.
Risk arising from negative publicity or adverse To properly manage reputation risk, the Bank mitigates this by
public perception related to the Bank’s business establishing a special unit to handle customer complaints. The
activities. The Bank recognizes that reputation Bank already has a Call Center that facilitates customers to
and trust are fundamental to the banking industry; submit complaints or issues encountered and able to quickly
therefore, any loss of customer confidence may respond and assist customers to resolve these issues. Efforts
directly result in a decline in the customer base to improve service to customers continue to be improved
and revenue, as well as increased costs associated with the opening of new office networks and convenience of
with efforts to restore public trust through public transactions using the ATM Bersama network.
relations initiatives.
Hasil Penilaian Profil Risiko Bank Tahun Results of the Bank’s Risk Profile
2025 Assessment in 2025
Bank melakukan penilaian profil risiko secara menyeluruh The Bank conducted a comprehensive risk profile
melalui mekanisme self-assessment yang mencakup assessment through a self-assessment mechanism, which
evaluasi terhadap risiko inheren serta kualitas penerapan included an evaluation of inherent risks and the quality of
manajemen risiko di seluruh unit kerja. Proses ini risk management implementation across all work units.
memberikan gambaran objektif mengenai eksposur This process provided an objective overview of the Bank’s
risiko Bank, efektivitas mitigasi, dan kesesuaian praktik risk exposure, mitigation effectiveness, and the alignment
manajemen risiko dengan prinsip kehati-hatian serta of risk management practices with prudential principles
ketentuan OJK. Hasil penilaian tersebut selanjutnya and OJK regulations. The assessment results were then
dijadikan sebagai acuan bagi Direksi dan Dewan Komisaris used as a reference by the Board of Directors and Board
dalam pengambilan keputusan strategis serta penguatan of Commissioners in making strategic decisions and
pengendalian risiko secara berkesinambungan. strengthening risk control on an ongoing basis.
Hasil self-assessment profil risiko Bank dengan The results of the Bank’s risk profile self-assessment,
perbandingan posisi tahun sebelumnya diungkapkan compared to the previous year, are as follows:
sebagai berikut:
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 385
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Tata Kelola Perusahaan • Good Corporate Governance
Hasil Self-Assessment Profil Risiko Bank Hasil Self-Assessment Profil Risiko Bank
Kuartal IV Desember 2025 Kuartal IV Desember 2024
Results of the Bank’s Risk Profile Self- Results of the Bank’s Risk Profile Self-
Assessment in Q4 of December 2025 Assessment in Q4 of December 2024
Peringkat Peringkat
Jenis Risiko Kualitas Kualitas
No Penerapan Peringkat Penerapan Peringkat
Type of Risk
Peringkat Manajemen Tingkat Peringkat Manajemen Tingkat
Risiko Risiko Risiko Risiko Risiko Risiko
Risk Level Rating of Risk Risk Level Risk Level Rating of Risk Risk Level
Management Rating Management Rating
Implementation Implementation
Quality Quality
1 Kredit Low to Satisfactory 2 Low to Satisfactory 2
Credit Moderate Moderate
2 Pasar Low Satisfactory 1 Low to Satisfactory 2
Market Moderate
3 Likuiditas Low to Satisfactory 2 Low to Satisfactory 2
Liquidity Moderate Moderate
4 Operasional Low to Satisfactory 2 Low to Satisfactory 2
Operational Moderate Moderate
5 Hukum Low to Satisfactory 2 Low to Satisfactory 2
Legal Moderate Moderate
6 Stratejik Low to Satisfactory 2 Low to Satisfactory 2
Strategic Moderate Moderate
7 Kepatuhan Low to Satisfactory 2 Low to Satisfactory 2
Compliance Moderate Moderate
8 Reputasi Low to Satisfactory 2 Low to Satisfactory 2
Reputation Moderate Moderate
Peringkat Komposit
2 2
Composite Rating
Tinjauan Atas Efektivitas Sistem Review of the Effectiveness of the Risk
Manajemen Risiko Tahun 2025 Management System in 2025
Sepanjang tahun 2025, Bank secara konsisten melakukan Throughout 2025, the Bank consistently evaluated
evaluasi terhadap efektivitas penerapan Sistem Manajemen the effectiveness of its Risk Management System
Risiko untuk memastikan seluruh risiko yang melekat implementation to ensure that all risks inherent in its
pada kegiatan usaha diidentifikasi, diukur, dipantau, dan business activities were adequately identified, measured,
dikendalikan secara memadai. Evaluasi ini dilaksanakan monitored, and controlled. This evaluation was conducted
melalui kombinasi mekanisme self-assessment oleh unit through a combination of self-assessment mechanisms by
kerja terkait dan penelaahan independen oleh fungsi relevant work units and independent reviews by the risk
manajemen risiko, kepatuhan, serta SKAI. management, compliance, and Internal Audit functions.
Hasil tinjauan menunjukkan bahwa kerangka kerja, The review results indicated that the implemented
kebijakan, prosedur, dan limit risiko yang diterapkan risk framework, policies, procedures, and limits were
telah berjalan sesuai dengan ketentuan POJK No. 18/ in accordance with the provisions of POJK No. 18/
POJK.03/2016, SEOJK No. 34/SEOJK.03/2016, dan POJK.03/2016, SEOJK No. 34/SEOJK.03/2016, and
praktik terbaik industri perbankan. Proses evaluasi juga banking industry best practices. The evaluation process
mencakup pengujian efektivitas mitigasi risiko, kecukupan also included testing the effectiveness of risk mitigation,
sumber daya, serta integritas sistem informasi manajemen resource adequacy, and the integrity of the risk management
risiko untuk memastikan keputusan strategis dan information system to ensure that strategic and operational
operasional didukung oleh informasi yang andal dan tepat decisions are supported by reliable and timely information.
waktu.
386 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Berdasarkan hasil tinjauan tersebut, Direksi menilai bahwa Based on the review, the Board of Directors assessed
Sistem Manajemen Risiko Bank telah berfungsi secara that the Bank’s Risk Management System functioned
efektif dalam mengidentifikasi dan mengelola eksposur effectively in identifying and managing key risk exposures
risiko utama, serta mendukung penerapan prinsip kehati- and supporting the implementation of prudential principles
hatian dan keberlanjutan operasional. Temuan evaluasi and operational sustainability. Evaluation findings requiring
yang memerlukan tindak lanjut telah ditindaklanjuti secara follow-up have been systematically addressed with clear
sistematis dengan rencana mitigasi dan perbaikan yang mitigation and improvement plans, thereby enhancing the
jelas sehingga meningkatkan ketahanan Bank terhadap Bank’s resilience to potential risks and ensuring compliance
potensi risiko dan memastikan kepatuhan terhadap regulasi with applicable regulations.
yang berlaku.
Pernyataan Direksi dan/atau Dewan Statement by the Board of Directors and/
Komisaris Atau Komite Audit atas or the Board of Commissioners or the
Kecukupan Sistem Manajemen Risiko Audit Committee on the Adequacy of the
Risk Management System
Direksi menyatakan bahwa Bank telah memiliki dan The Board of Directors declares that the Bank has in
menerapkan Sistem Manajemen Risiko yang memadai dan place and implemented an adequate and effective Risk
efektif untuk mengidentifikasi, mengukur, memantau, dan Management System to identify, measure, monitor, and
mengendalikan risiko-risiko yang melekat pada seluruh control the risks inherent in all business activities. This
kegiatan usaha. Sistem ini dirancang untuk mendukung system is designed to support the implementation of
penerapan prinsip kehati-hatian, menjaga stabilitas prudential principles, maintain operational stability, and
operasional, serta memastikan keberlanjutan kinerja ensure the sustainability of the Bank’s financial performance.
keuangan Bank.
Dewan Komisaris melalui peran pengawasan strategis The Board of Commissioners, through its strategic
dan koordinasi dengan Komite Audit juga menilai bahwa oversight role and coordination with the Audit Committee,
Sistem Manajemen Risiko yang diterapkan oleh Direksi also assesses that the Risk Management System
telah memenuhi standar kecukupan dan efektivitas sesuai implemented by the Board of Directors meets the standards
ketentuan POJK No. 18/POJK.03/2016, SEOJK No. 34/ of adequacy and effectiveness as stipulated in POJK No.
SEOJK.03/2016, serta praktik terbaik manajemen risiko 18/POJK.03/2016, SEOJK No. 34/SEOJK.03/2016, and
industri perbankan. banking industry risk management best practices.
Berdasarkan evaluasi dan penilaian yang dilakukan, Direksi Based on the evaluation and assessment conducted,
dan Dewan Komisaris meyakini bahwa Sistem Manajemen the Board of Directors and Board of Commissioners
Risiko Bank telah memberikan keyakinan yang memadai atas believe that the Bank’s Risk Management System has
kecukupan pengelolaan risiko, mendukung pengambilan provided sufficient assurance regarding the adequacy of
keputusan yang prudent dan menjaga integritas serta risk management, supports prudent decision-making, and
transparansi bagi seluruh pemangku kepentingan. Seluruh maintains integrity and transparency for all stakeholders.
temuan dan rekomendasi yang diidentifikasi selama proses All findings and recommendations identified during
penilaian telah ditindaklanjuti secara tepat waktu untuk the assessment process have been followed up in a
memastikan peningkatan berkelanjutan terhadap efektivitas timely manner to ensure continuous improvement in the
manajemen risiko. effectiveness of risk management.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 387
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Tata Kelola Perusahaan • Good Corporate Governance
Akses Informasi dan Data Bank
Bank’s Information and Data Access
Media Komunikasi Communication Media
Bank senantiasa berkomitmen untuk menyediakan akses The Bank remains committed to providing transparent,
informasi dan data perusahaan yang transparan, akurat, dan accurate, and timely access to company information
tepat waktu bagi seluruh pemangku kepentingan baik yang and data for all stakeholders, both financial and non-
bersifat keuangan maupun non-keuangan. Penyampaian financial. Information is disseminated through the Bank’s
informasi dilakukan melalui kanal resmi Bank, antara lain official channels, including its website, social media,
situs web, media sosial, siaran pers, paparan publik, press releases, public exposes, email blasts, and internal
email blast, serta media internal bagi karyawan sehingga employee channels, ensuring all parties have access to
seluruh pihak dapat memperoleh data yang relevan sesuai relevant data tailored to their needs.
kebutuhan mereka.
Dalam rangka meningkatkan efektivitas komunikasi, To enhance communication effectiveness, the Bank
Bank terus menyempurnakan kualitas konten publikasi, continuously refines the quality of its publication content,
menyediakan laporan yang komprehensif, dan provides comprehensive reports, and utilizes digital
memanfaatkan platform digital serta forum interaktif. platforms and interactive forums. This approach enables
Pendekatan ini memungkinkan penyampaian informasi the delivery of information that is professional, targeted,
yang profesional, tepat sasaran, dan mudah diakses oleh and easily accessible to various stakeholder segments.
berbagai segmen pemangku kepentingan.
Untuk memaksimalkan relevansi dan keterjangkauan To maximize the relevance and accessibility of information,
informasi kanal komunikasi Bank dikelompokkan the Bank’s communication channels are grouped based on
berdasarkan karakteristik audiens. Berikut merupakan audience characteristics. The following is a breakdown of
segmentasi media yang dimiliki Bank: the Bank’s media segments:
RUPS
GMS
RUPS merupakan forum yang berguna bagi Pemegang Saham GMS is an effective forum for Shareholders to communicate with
untuk berkomunikasi dengan Bank, di mana Pemegang Saham the Bank, in which Shareholders have the right to obtain information
memiliki hak untuk memperoleh keterangan-keterangan mengenai regarding the Bank, both from the Board of Directors and Board
Bank, baik dari Direksi maupun dari Dewan Komisaris. Bank wajib of Commissioners. The Bank is required to submit announcement,
menyampaikan pemberitahuan, panggilan, risalah RUPS sesuai notice, and GMS minutes in accordance with POJK regulations
dengan ketentuan POJK dan Tata Tertib RUPS dibagikan kepada and GMS Rules to be distributed to Shareholders at the GMS.
Pemegang Saham pada saat penyelenggaraan RUPS.
Paparan Publik
Public Expose
Guna menyampaikan informasi kepada publik, Bank juga To provide information to the public, the Bank also organizes a
menyelenggarakan paparan publik (public expose) sedikitnya 1 public expose at least once a year. The Bank’s Financial Statements
(satu) kali dalam setahun. Laporan Keuangan Bank mengupayakan discloses a fair, balanced, and easy to understand information,
pengungkapan informasi yang wajar, berimbang, dan dapat which will allow Shareholders to assess the Bank’s performance
dipahami sehingga para Pemegang Saham dapat menilai kinerja and financial position.
dan posisi keuangan Bank.
388 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Situs Web Bank
Bank Website
Situs web Bank memuat informasi mengenai Bank dan menyediakan The Bank’s website contains information about the Bank and
akses terhadap informasi Bank yang relevan bagi para Pemegang provides access to relevant Bank information for Shareholders.
Saham. Pada situs web, Bank mengungkapkan lembar fakta Bank, On the website, the Bank discloses fact sheets, Annual and
Laporan Tahunan dan Laporan Keberlanjutan, Informasi Keuangan, Sustainability Report, Financial Information, Shareholder
Komposisi Pemegang Saham, Informasi Saham dan Informasi Composition, Share Information, GMS Information, and other
RUPS, serta setiap komunikasi lain Perusahaan. Company communications.
Surat Kabar
Newspaper
Bank menggunakan surat kabar yang beredar nasional dalam The Bank uses nationally circulated newspapers to disclose
mengungkapkan informasi penting. important information.
Akses Informasi Bank
Access to Bank Information
Akses informasi dan data Bank kepada publik secara eksternal Access to the Bank’s information and data to the public externally is
dapat diakses melalui situs web resmi Bank, media cetak, forum accessible through the Bank’s official website, print media, internal
komunikasi internal, dan media elektronik lainnya. communication forums, and other electronic media.
Investor, analis, dan Pemegang Saham dapat menghubungi Investors, analysts, and Shareholders can contact the Corporate
Sekretaris Perusahaan untuk mendapatkan data atau informasi Secretary to obtain the required data or information through the
yang dibutuhkan melalui kontak berikut ini: following contact:
PT Bank IBK Indonesia Tbk
Sekretaris Perusahaan
Wisma GKBI Suite UG-01 Telp: (021) 5790 6888
Corporate Secretary
Jl. Jend. Sudirman No. 28 Fax.: (021) 5790 8888
Jakarta 10210, Indonesia E-mail: corsec@ibk.co.id
Korespondensi dan Laporan Berkala
Correspondence and Periodic Report
Bank memastikan transparansi dan akuntabilitas melalui komunikasi The Bank ensures its transparency and accountability through
internal dan eksternal. Korespondensi mencakup segala bentuk internal and external communication. Correspondence includes
komunikasi resmi, seperti surat, email, dan proposal yang all forms of official communication, such as letters, emails, and
digunakan untuk menyampaikan informasi penting, keputusan, dan proposals used to convey important information, decisions, and
arahan kepada pemangku kepentingan. Sementara, laporan berkala directions to stakeholders. Meanwhile, periodic reports include
mencakup Laporan Keuangan, Laporan Tahunan dan Laporan Financial Statements, Annual Report and Sustainability Report,
Keberlanjutan, serta laporan kinerja Bank yang memberikan as well as the Bank’s performance report which provide a
gambaran menyeluruh mengenai aktivitas Bank. comprehensive overview of the Bank’s activities
Hubungan Media
Media Relations
Hubungan media melibatkan interaksi antara Bank dan berbagai Media relations involve interactions between the Bank and various
saluran media, seperti media online, media sosial dan media kabar. media channels, such as news and press releases. Throughout
Sepanjang tahun 2025, Bank telah melakukan publikasi melalui 2024, the Bank carried out publication through mass media, by
beberapa media massa untuk memberikan informasi produk dan issuing several press releases in February, April, and December,
layanan, informasi berita dan siaran pers kegiatan serta aksi distributed to media through the Company’s website, investor
korporasi Bank. relations, and public exposure.
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Tata Kelola Perusahaan • Good Corporate Governance
Ragam Media yang Digunakan
Variety of Media Used
Dengan memanfaatkan berbagai media, Bank dapat mencapai By utilizing various media, the Bank can reach a wider audience
audiens yang lebih luas dan memastikan transparansi dalam and ensure transparency in communication. In addition, the use of
komunikasi. Selain itu, penggunaan media yang beragam juga diverse media also allows the Bank to adjust the way information is
memungkinkan Bank untuk menyesuaikan cara penyampaian delivered according to different audiences’ needs and preferences.
informasi sesuai dengan kebutuhan dan preferensi audiens yang Information on various media used by the Bank in communication is
berbeda. Informasi mengenai ragam media yang digunakan Bank described as follows:
dalam komunikasi diuraikan sebagai berikut:
Regulator Bentuk-Bentuk Media
Regulators Forms of Media
Regulator RUPS, surat menyurat, email, serta situs web Bank.
Regulators GMS, mail correspondence, email, and Bank website.
Pemegang Saham RUPS, surat menyurat, serta situs web Bank.
Shareholders GMS, mail correspondence, and Bank website.
Investor Keterbukaan informasi kepada publik dan situs web Bank.
Investors Disclosure of information to the public and Bank website.
Nasabah Surat menyurat, email, dan proposal.
Customers Mail correspondence, email, and proposal.
Karyawan Surat menyurat dan email.
Employees Mail correspondence and email.
Perusahaan Sejenis Lainnya Surat menyurat dan email.
Other Similar Companies Mail correspondence and email.
Mitra Kerja dan Rekanan Surat menyurat dan email.
Vendors and Partners Mail correspondence and email.
Organisasi Profesi Surat menyurat dan email.
Professional Organizations Mail correspondence and email.
Masyarakat Umum Keterbukaan informasi kepada publik dan situs web Bank.
Public Disclosure of information to the public and Bank website.
Perkara Hukum Penting yang
Dihadapi Bank [GRI 2-27]
Significant Legal Cases Faced by the Bank
Pada tahun 2025, Bank menghadapi sejumlah perkara In 2025, the Bank faced a number of legal cases, both civil
hukum baik perdata maupun pidana sebagaimana diuraikan and criminal, as described in the following table:
dalam tabel berikut:
Jumlah Kasus | Total Case
Permasalahan Hukum
Legal Issues Perdata Pidana
Civil Criminal
Telah mendapat putusan yang mempunyai kekuatan hukum tetap
7 -
Cases with legal binding verdict
Dalam proses penyelesaian
1 -
In settlement process
Jumlah
8 -
Total
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Tata Kelola Perusahaan • Good Corporate Governance
CKPN
Desember
Potensi 2025 (dalam
Gugatan No. Surat/
Kerugian (dalam jutaan Rp)
Terkait Tahun Status Gugatan Uraian
No. jutaan Rp) Impairment
Lawsuit No. Letter/ Lawsuit Status Description
Potential Lossess Loss on
related Year
(in million IDR) December
2025 (in
million IDR)
1. Penundaan No. 35/ 33.003.900.298 Nihil Pemberesan Boedel Pelaksanakan Lelang
Kewajiban Pdt.Sus. None Pailit melalui Lelang Pertama Boedel
Pembayaran PKPU/2020/ KPKNL pada Tanggal Berdasarkan Putusan
Utang PN Niaga. Jkt 9 Desember 2025 Gugatan Lain-lain No.
(PKPU) dan Pst Tanggal 9 Liquidation of the 16/ Pdt.Sus-G LL/2025/
Kepailitan Maret 2020 Bankruptcy Estate PN.Niaga.Jkt Pst dengan
Suspension No. 35/ through an Auction Hasil belum ada Peminat
of Debt Pdt.Sus. conducted by dan akan diajukan Kembali
Payment PKPU/2020/ the KPKNL on 9 Pelaksanaan Lelangnya
Obligations PN Niaga. Jkt December 2025 The first auction of
(PKPU) and Pst March 9 the bankruptcy estate,
Bankruptcy 2020 conducted pursuant to
Decision No. 16/Pdt.Sus-
G LL/2025/ P N.Niaga.Jkt
Pst, resulted in no bidders,
and a re-auction will be
proposed.
2. Penundaan No. 12/ 13.117.143.512,03 Nihil Pemberesan Boedel Debitur sudah di Write
Kewajiban Pdt.Sus. None Pailit Off dan Bank sudan
Pembayaran Pailit/2018 menghubungi Kurator untuk
Utang PN Niaga Liquidation of the membantu memasarkan
(PKPU) dan Smg Bankruptcy Estate Asset Pailit kepada Pihak
Kepailitan tertanggal 30 Ketiga dan saat ini belum
Suspension Mei 2018 ada Progress yang signifikan
of Debt No. 12/ The debtor has been
Payment Pdt.Sus. written off, and the Bank
Obligations Pailit/2018 has contacted the curator
(PKPU) and PN Niaga to assist in marketing the
Bankruptcy Smg dated bankruptcy estate assets
30 May 2018 to third parties; however,
to date, there has been no
significant progress.
3 Penundaan No. 98/ 12.791.131.896,47 7.817.422.904 Pemberesan Boedel 1. Sampai saat ini belum
Kewajiban Pdt.Sus- Pailit ada progress lagi terkait
Pembayaran PKPU/2020/ Liquidation of the dengan Pemberesan
Utang PN.Niaga Jkt. Bankruptcy Estate Boedel Pailit
(PKPU) dan Pst Tanggal 2. Pihak Pengembang
Kepailitan 21 Januari yaitu PT SriHapan
Suspension 2021 memberikan Somasi Ke
of Debt No. 98/ PT IBK Indonesia Tbk
Payment Pdt.Sus- namun sudah diberikan
Obligations PKPU/2020/ Surat Balasan (belum
(PKPU) and PN.Niaga Jkt. ada perkembangan)
Bankruptcy Pst Date 21 1. To date, there has been
January 2021 no further progress in
the liquidation of the
bankruptcy estate.
2. The developer, PT
SriHapan, has issued a
notice of default to PT
IBK Indonesia Tbk; a
response letter has been
submitted, and there
have been no further
developments to date.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 391
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Tata Kelola Perusahaan • Good Corporate Governance
CKPN
Desember
Potensi 2025 (dalam
Gugatan No. Surat/
Kerugian (dalam jutaan Rp)
Terkait Tahun Status Gugatan Uraian
No. jutaan Rp) Impairment
Lawsuit No. Letter/ Lawsuit Status Description
Potential Lossess Loss on
related Year
(in million IDR) December
2025 (in
million IDR)
4 Perbuatan No. 245/ 51.000.000.000 Nihil Putusan Kasasi di Putusan Kasasi Menolak
Melawan Pdt.G/2023/ None Mahkamah Agung Permohonan Kasasi yang
Hukum PN Plg pada 27 Oktober diajukan atau dimohonkan
Unlawful Act Desember 2025 oleh Pemohon Kasasi atau
2023 Cassation Decision dahulu Pembanding atau
No. 245/ at the Supreme Court Penggugat
Pdt.G/2023/ on October 27, 2025 The cassation decision
PN Plg rejects the cassation petition
December filed by the Petitioner for
2023 Cassation, formerly the
Appellant/Plaintiff.
5 Perbuatan No. 39/ 22.000.000.000 Nihil Putusan Pengadilan Pengadilan Negeri Jakarta
Melawan Pdt.G/2025/ None Negeri Jakarta Pusat Pusat memutuskan Gugatan
Hukum PN Jkt Pst 25 Agustus 2025 Penggugat Tidak Dapat
(PMH) Tanggal 16 Central Jakarta Diterima atau No (Niet On
Karena Limit Januari 2025 District Court Verklaard)
Lelang terlalu No. 39/ Decision on August The Central Jakarta District
rendah Pdt.G/2025/ 25, 2025 Court declared the Plaintiff’s
Unlawful PN Jkt Pst claim inadmissible (NO or
act arising Date 16 niet ontvankelijk verklaard)
from an January 2025
unreasonably
low auction
reserve price
6 Permohonan No. 16/ - Nihil Putusan Pengadilan Putusan Pengadilan niaga
Pelaksanaan Pdt.Sus- None Niaga Pada Memerintahkan Tim Kurator
Lelang GLL/2025/ Pengadilan Negeri untuk Melaksanakan Lelang
terhadap PN.Niaga.Jkt Jakarta Pusat pada 10 Boedel Pailit PT Taras Graha
Boedel Pailit Pst Juli 2025 Advisindo. Dalam Gugatan
PT Taras No. 16/ Commercial Court Lain lain ini tidak ada Potensi
Graha Pdt.Sus- Decision at the Kerugian karena hanya
Advsindo GLL/2025/ Central Jakarta sebagai Turut Tergugat II
Application PN.Niaga.Jkt District Court on July The Commercial Court
for the Pst 10, 2025 ordered the team of curators
Execution of to conduct the auction of
an Auction the bankruptcy estate of
of the PT Taras Graha Advisindo.
Bankruptcy In this miscellaneous claim,
Estate of there is no potential loss, as
PT Taras the Bank is involved solely
Graha as Co-Defendant II.
Advsindo
7 Perbuatan No. 559/ 22.500.000.000 Nihil Persidangan via E saat ini sidang melalui E
Melawan Pdt.G/2025/ None Court Mahkamah Court Mahkamah Agung
Hukum PN Jkt Pst Agung dengan dengan agenda Persidangan
(PMH) Tanggal 22 Agenda Duplik Duplik Para Tergugat
Karena Limit Agustus Tergugat The hearing is currently
Lelang terlalu 2025 Court hearing being conducted through
rendah No. 559/ conducted through the Supreme Court e-Court
Unlawful Pdt.G/2025/ the Supreme Court system, with the agenda of
act arising PN Jkt Pst e-Court system the Defendants’ rejoinder.
from an Date 22 with the agenda of
unreasonably August 2025 submission of the
low auction Defendant’s rejoinder
reserve price
154.412.175.707 7.817.422.904
392 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 393
Tata Kelola Perusahaan • Good Corporate Governance Perkara Hukum Yang Dihadapi Oleh Legal Cases Faced by Members of the Anggota Dewan Komisaris dan Direksi Bank’s Board of Commissioners and Bank Board of Directors Pada tahun 2025, seluruh anggota Dewan Komisaris In 2025, all incumbent members of the Bank’s Board of dan Direksi Bank yang sedang menjabat tidak tersangkut Commissioners and Board of Directors were not involved maupun terlibat dalam kasus hukum apapun, baik in any legal cases, either civil or criminal disputes. perselisihan perdata maupun perkara pidana. Perkara Hukum Yang Dihadapi Entitas Legal Cases Faced by Subsidiaries in Anak Tahun 2025 2025 Sampai dengan akhir tahun 2025, Bank tidak memiliki As of the end of 2025, the Bank had no subsidiaries. entitas anak. Dengan demikian, tidak terdapat Therefore, there were no disclosures regarding legal cases pengungkapan terkait perkara hukum yang dihadapi oleh faced by subsidiaries or by the Board of Directors and entitas anak maupun oleh jajaran Direksi dan Dewan Board of Commissioners of subsidiaries. Komisaris entitas anak. Dampak Permasalahan Hukum Terhadap Impact of Legal Issues on the Bank Bank Bank menilai permasalahan hukum yang dihadapi sepanjang The Bank assesses that the legal issues faced throughout tahun 2025 tidak menimbulkan dampak material terhadap 2025 did not have a material impact on the Bank’s legal status hukum, posisi keuangan, maupun keberlangsungan status, financial position, or the continuity of its business kegiatan usaha Bank. Seluruh isu hukum yang muncul activities. All legal issues that arose were handled in telah ditangani sesuai prosedur dan tidak mempengaruhi accordance with procedures and did not impact the stabilitas operasional maupun pencapaian tujuan strategis Company’s operational stability or the achievement of its Perseroan. strategic objectives. Sanksi Administratif Administrative Sanctions Sanksi administratif merupakan bentuk hukuman atau Administrative sanctions are a form of punishment or tindakan resmi yang diberikan oleh otoritas atau badan official action imposed by a regulatory authority or body pengawas kepada individu atau entitas yang telah on individuals or entities that have violated applicable melanggar peraturan atau ketentuan administratif yang administrative regulations or provisions. Administrative berlaku. Sanksi administratif dapat berupa denda, sanctions may include fines, formal warnings, suspensions, peringatan resmi, suspensi, pencabutan izin, dan license revocations, and restrictions on activities. pembatasan aktivitas. Sepanjang tahun Tahun 2025 Throughout 2025, the Bank was subject to sanctions Bank dikenakan sanksi dari otoritas pengawas Bank from the banking supervisory authority in the form of berupa denda atas hasil dari pemeriksaan tahunan oleh fines resulting from the annual inspection by the banking Otoritas Pengawas Bank dan keterlambatan Bank dalam supervisory authority and the Bank’s late reporting, as pelaporan sebagai berikut: follows: PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 393
Page 394
Tata Kelola Perusahaan • Good Corporate Governance
Tanggal
Jumlah Nominal
Surat Masuk Tanggal di
Otoritas Jenis Nomor Surat Denda (Rp)
No Kepatuhan Surat
Authority Type Letter Number Nominal Amount of
Date of Receipt of Date on Letter
Fine (IDR)
Compliance Letter
1 11 Maret 2025 Bank Indonesia LBUT 27/ 54 /DPKL- 28 Februari 2025
March 11, 2025 GPLB-PLBP/Srt/B February 28, 2.000.000,00
2025
2 25 November 2025 Bank Indonesia LBUT 27/ 297 /DPKL- 10 November
November 25, 2025 GPLB-PLBP/Srt/B 2025 100.000,00
November 10,
2025
3 12 Desember 2025 Otoritas Jasa SLIK SR-271/ 12 Desember
December 12, 2025 Keuangan PB.31/2025 2025 150.000,00
Financial Services December 12,
Authority 2025
4 22 Desember 2025 Otoritas Jasa APOLO S-245/PB/31/2025 19 Desember
December 22, 2025 Keuangan 2025 4.000.000,00
Financial Services December 19,
Authority 2025
Total Denda Tahun 2025
6.250.000,00
Total Fines for 2025
394 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Perihal Denda Keterangan
Subject of Fine Remark
Pengenaan Sanksi Kewajiban Membayar Atas tidak menyampaikan Denda telah dibebankan pada rekening giro IBK di BI pada tanggal
Laporan LBUT KI Risiko dan permodalan harian tanggal laporan 15 17 Februari 2025
Januari 2025 The fine was charged to IBK’s current account at the Bank of
Imposition of a Payment Penalty for Failure to Submit the LBUT KI Indonesia on February 17, 2025
Daily Risk and Capital Report dated January 15, 2025
Pengenaan Sanksi Kewajiban Membayar Atas Koreksi Di Luar Batas Denda telah dibebankan pada rekening giro IBK di BI pada tanggal
Waktu Penyampaian Laporan Bulanan Bank Umum Terintegrasi 4 November 2025.
(LBUT) Transaksi Surat Berharga dan Sertifikat Deposito di pasar The fine was charged to IBK’s current account at the Bank of
Sekunder - KI harian LBUT Periode Maret 2025 Indonesia on November 4, 2025
Imposition of a Payment Obligation Sanction for Corrections Made
Outside the Submission Deadline for the Integrated Commercial
Bank (LBUT) Monthly Report on Securities and Certificate of
Deposit Transactions in the Secondary Market - Daily LBUT KI for
the March 2025 Period
Pengenaan Sanksi Administratif berupa Denda atas Hasil Bank telah melakukan pembayaran Tagihan Sanksi sesuai
Pemeriksaan Tahun 2025 PT Bank IBK Indonesia, Tbk dengan SR-271/PB.31/2025. Bukti Bayar Tagihan telah diupload pada
detail sbb: tanggal 15 Desember 2025 melalui SIPO OJK
1. Ketidaksesuaian pelaporan data Sektor ekonomi debitur dan The Bank has paid the penalty invoice in accordance with SR-271/
susunan pengurus a.n PT Jongwoo Shinhwa Mould. Sanksi PB.31/2025. Proof of payment was uploaded on December 15,
sebesar Rp50.000,00 2025, via SIPO OJK
2. Perbedaan penilaian agunan milik PT Kytos Anugerah Karya
Antara dokumen agunan dan pelaporan SLIK. Sanksi sebesar
Rp50.000,00
3. Kesalahan pelaporan profil debitur pada laporan SLIK PT Daun
Lebar Anugerah Sanksi sebesar Rp50.000,00
Imposition of Administrative Sanctions in the Form
of Fines Based on the 2025 Inspection Results of
PT Bank IBK Indonesia, Tbk, with the following details:
1. Discrepancies in the reporting of debtor economic sector
data and the composition of the management of PT Jongwoo
Shinhwa Mould. Sanction amounting to IDR 50,000.00
2. Discrepancy in the valuation of collateral owned by PT Kytos
Anugerah Karya between the collateral documents and the
SLIK report. Penalty of IDR 50,000.00
3. Error in reporting the debtor profile in the SLIK report of PT
Daun Lebar Anugerah. Fine of IDR 50,000.00
Pengenaan Sanksi Administratif atas Pelanggaran POJK No 12 Bank telah melakukan pembayaran Tagihan Sanksi sesuai S-245/
Tahun 2024 dan POJK No 63/POJK.03/2020, Bank terlambat PB/31/2025
menyampaikan Laporan Strategi Anti Fraud periode Semester The Bank has paid the penalty invoice in accordance with S-245/
II Tahun 2024 selama 4 (empat) hari kerja sehingga mengacu PB/31/2025
POJK Anti Fraud dan POJK APOLO, maka bank dikenakan sanksi
administratif berupa teguran tertulis sebagaimana diatur dalam
Pasal 20 POJK Anti Fraud dan sanksi administrasi berupa denda
sebesar Rp4.000.000,00 (empat juta Rupiah) sebagaimana diatur
dalam Pasal 12 POJK APOLO.
Imposition of Administrative Sanctions for Violations of POJK No.
12 of 2024 and POJK No. 63/POJK.03/2020, The bank was late
in submitting the Anti-Fraud Strategy Report for the second half of
2024 by 4 (four) business days; therefore, in accordance with the
Anti-Fraud POJK and the APOLO POJK, the bank was subject to an
administrative sanction in the form of a written warning as stipulated
in Article 20 of the Anti-Fraud POJK and an administrative sanction
in the form of a fine of IDR 4,000,000.00 (four million Rupiah) as
stipulated in Article 12 of the APOLO POJK.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 395
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Tata Kelola Perusahaan • Good Corporate Governance
Sistem Pelaporan Pelanggaran [GRI 2-16, 2-25, 2-26]
Whistleblowing System
Bank menerapkan Sistem Pelaporan Pelanggaran The Bank implements a Whistleblowing System (WBS) as
(Whistleblowing System/”WBS”) sebagai mekanisme a formal mechanism to foster a culture of transparent and
formal untuk mendorong budaya pelaporan yang transparan responsible reporting of any suspected violations, fraud, or
dan bertanggung jawab atas setiap dugaan pelanggaran, behavior inconsistent with GCG principles. This system
kecurangan (fraud), maupun perilaku yang tidak sejalan is designed to ensure the security, confidentiality, and
dengan prinsip GCG. Sistem ini dirancang untuk protection of whistleblowers, allowing all parties to submit
memastikan keamanan, kerahasiaan, dan perlindungan information free from potential pressure or retaliation.
bagi pelapor sehingga seluruh pihak dapat menyampaikan
informasi secara bebas dari potensi tekanan atau
pembalasan.
Setiap laporan yang diterima melalui WBS ditindaklanjuti Every report received through the WBS is followed up
secara profesional melalui prosedur evaluasi yang ketat, professionally through a rigorous evaluation procedure,
meliputi analisis awal, investigasi mendalam, serta including initial analysis, in-depth investigation, and the
penyusunan rekomendasi perbaikan kepada unit terkait. development of recommendations for improvement to
Hasil penanganan laporan digunakan sebagai dasar relevant units. The results of the report handling are used
untuk memperkuat pengendalian internal, meningkatkan as the basis for strengthening internal controls, increasing
kepatuhan, dan menyempurnakan proses operasional compliance, and continuously improving operational
secara berkelanjutan. Kebijakan WBS juga menjadi sarana processes. The WBS policy also serves as the primary
utama bagi seluruh karyawan untuk melaporkan dugaan means for all employees to report suspected fraud, while
fraud, sekaligus mendukung pemantauan dan pengendalian also supporting proactive fraud risk monitoring and control.
risiko kecurangan secara proaktif.
Dalam rangka penguatan pengendalian fraud, Bank telah To strengthen fraud control, the Bank has established and
menetapkan dan menerapkan Strategi Anti-Fraud yang implemented an effective Anti-Fraud Strategy through
efektif melalui Surat Keputusan Direksi No. SKEP/002/ Directors’ Decree No. SKEP/002/DIR/XI/15 dated
DIR/XI/15 tanggal 27 November 2015 dan pembaruan November 27, 2015, and its latest update No. Decree of
terakhir No. SKEP/002/DIR/X/24 tanggal 17 Oktober the Minister of Finance No. SKEP/002/DIR/X/24 dated
2024, yang menegaskan penunjukan Pejabat Khusus October 17, 2024, confirms the appointment of a Special
Penerapan Strategi Anti-Fraud. Strategi ini dijabarkan Officer for the Implementation of the Anti-Fraud Strategy.
berdasarkan 4 (empat) pilar utama, yaitu: This strategy is outlined based on four main pillars:
1. Pencegahan 1. Prevention
a. Anti-Fraud Awareness; a. Anti-Fraud Awareness;
b. Identifikasi Kerawanan; dan b. Vulnerability Identification; and
c. Know Your Employee. c. Know Your Employee.
2. Deteksi 2. Detection
a. Kebijakan dan Mekanisme Whistleblowing; a. Whistleblowing Policy and Mechanism;
b. Surprise Audit; dan b. Surprise Audit; and
c. Surveillance System. c. Surveillance System.
3. Investigasi, Pelaporan, dan Sanksi 3. Investigation, Reporting, and Sanctions
a. Investigasi; a. Investigation;
b. Pelaporan; dan b. Reporting; and
c. Pengenaan Sanksi. c. Imposition of Sanctions.
4. Pemantauan, Evaluasi, dan Tindak Lanjut 4. Monitoring, Evaluation, and Follow-up
a. Pemantauan; a. Monitoring;
b. Evaluasi; dan b. Evaluation; and
c. Tindak Lanjut. c. Follow-up.
396 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
WBS Bank mencakup seluruh aspek penting mulai dari The Bank’s WBS covers all important aspects, from
mekanisme penyampaian pelanggaran, perlindungan the mechanism for reporting violations, whistleblower
pelapor, prosedur penanganan pengaduan, pihak yang protection, complaint handling procedures, the party
bertanggung jawab atas pengelolaan laporan hingga responsible for managing reports, to documenting
dokumentasi hasil penyelesaian pengaduan. Dengan complaint resolution results. With the implementation of an
penerapan WBS yang terpadu dan Strategi Anti-Fraud integrated WBS and a systematic Anti-Fraud Strategy, the
yang sistematis, Bank memastikan integritas operasional, Bank ensures operational integrity, increases accountability,
meningkatkan akuntabilitas, serta memperkuat tata kelola and strengthens transparent and sustainable governance
yang transparan dan berkelanjutan bagi seluruh pemangku for all stakeholders.
kepentingan.
Kanal Pengaduan dan Tata Cara Complaint Channel and Procedures for
Penyampaian Laporan Pelanggaran Submitting Reports
Bank menyediakan mekanisme pengaduan resmi bagi The Bank provides a formal complaint mechanism for all
seluruh karyawan maupun pemangku kepentingan untuk employees and stakeholders to submit reports of suspected
menyampaikan laporan terkait dugaan pelanggaran, violations, including fraud, deception, or behavior that
termasuk fraud, kecurangan, atau perilaku yang violates GCG principles. The main complaint channels can
bertentangan dengan prinsip GCG. Kanal utama be accessed through:
pengaduan dapat dilakukan melalui:
Email: ibk-wbs@ibk.co.id Email: ibk-wbs@ibk.co.id
Situs web: www.ibk.co.id Website: www.ibk.co.id
Setiap laporan yang diterima akan dikelola oleh unit Every report received will be managed by a dedicated
khusus yang bertanggung jawab atas penanganan unit responsible for handling complaints, with the aim of
pengaduan, dengan tujuan memastikan proses ensuring an objective, transparent, and accountable
investigasi berjalan objektif, transparan, dan dapat investigation process. This mechanism is designed in
dipertanggungjawabkan. Mekanisme ini disusun sesuai accordance with regulatory requirements and industry best
ketentuan regulator dan best practice industri, sekaligus practices, and is an integral part of strengthening internal
menjadi bagian integral dari penguatan pengendalian controls and risk mitigation. To facilitate investigations,
internal dan mitigasi risiko. Untuk mempermudah reports submitted by the reporter must include a clear
investigasi, laporan yang disampaikan oleh pelapor harus explanation of:
memuat penjelasan yang jelas mengenai:
1. What – apa yang terjadi; 1. What happened;
2. Who – pihak yang terlibat; 2. Who (the parties involved);
3. When – waktu kejadian; 3. When (the time of the incident);
4. Where – lokasi kejadian; serta 4. Where (the location of the incident); and
5. How – bagaimana peristiwa tersebut terjadi. 5. How (the incident occurred).
Bank telah menetapkan tata cara penyampaian laporan The Bank has established procedures for submitting
pengaduan melalui WBS yang wajib dipenuhi oleh pelapor, complaints through the WBS, which must be followed by
di antaranya mencakup: the reporter. These include:
1. Jenis laporan: 1. Type of report:
Dugaan pelanggaran operasional, keuangan, etika, Allegations of operational, financial, ethical, or abuse
atau penyalahgunaan wewenang. of authority violations.
2. Identitas pelapor: 2. Identity of the reporter:
Laporan dapat disampaikan secara anonim maupun Reports can be submitted anonymously or publicly,
terbuka dengan jaminan kerahasiaan yang dijaga with strict confidentiality guaranteed.
secara ketat.
3. Prosedur penanganan laporan: 3. Report handling procedures:
Unit kerja khusus melakukan penelaahan awal, A special work unit conducts an initial review,
investigasi, analisis bukti, hingga rekomendasi tindak investigation, and analysis of evidence, leading to
lanjut. recommendations for follow-up.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 397
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Tata Kelola Perusahaan • Good Corporate Governance
4. Pelaporan hasil penanganan: 4. Reporting of handling results:
Hal ini mencakup tindak lanjut yang diambil oleh unit This includes follow-up actions taken by relevant units
terkait serta masukan untuk memperkuat pengendalian and input for strengthening internal controls.
internal.
Dengan mengimplementasikan WBS yang sistematis By implementing a systematic and comprehensive WBS,
dan menyeluruh, Bank menciptakan iklim pelaporan the Bank creates a safe, reliable, and structured
yang aman, terpercaya, dan terstruktur, sekaligus reporting environment, while strengthening a culture
memperkuat budaya kepatuhan, integritas, dan transparansi of compliance, integrity, and transparency across all
di seluruh lini operasional. operational lines.
Mekanisme Penanganan Pengaduan Complaint Handling Mechanism
Bank mengelola setiap laporan atau pengaduan The Bank manages each report or complaint through
melalui unit kerja khusus yang dibentuk untuk menjamin a special work unit established to ensure professional,
penanganan yang profesional, objektif, dan dapat objective, and accountable handling. The complaint
dipertanggungjawabkan. Prosedur penanganan handling procedure is implemented systematically, starting
pengaduan dilaksanakan secara sistematis dimulai dari with an initial review to assess the completeness of the
penelaahan awal untuk menilai kelengkapan informasi, information, the clarity of the incident, and the relevance of
kejelasan peristiwa, dan relevansi pihak-pihak yang terlibat. the parties involved.
Seluruh laporan pengaduan baik yang disertai identitas All complaints, whether clearly identified or anonymous,
jelas maupun anonim tetap diproses selama informasi will be processed as long as sufficient information is
yang diberikan mencukupi, termasuk keterangan mengenai provided, including details regarding the time, location,
waktu, lokasi, dan kronologi peristiwa. Setelah memenuhi and chronology of the incident. Once the criteria are met,
kriteria, laporan diteruskan ke tahap investigasi yang the report is forwarded to the investigation phase, which
mencakup pengumpulan bukti, verifikasi data, dan analisis includes evidence collection, data verification, and in-
mendalam sehingga validitas aduan dapat dipastikan dan depth analysis to ensure the validity of the complaint and
langkah tindak lanjut yang tepat dapat ditetapkan. determine appropriate follow-up steps.
Dengan menerapkan mekanisme pengelolaan dan alur By implementing a clear management mechanism and
pelaporan yang jelas, serta dukungan konsultan independen reporting flow, along with the support of independent
untuk menjaga independensi dan kerahasiaan, Perseroan consultants to maintain independence and confidentiality,
memastikan bahwa WBS berjalan efektif, transparan, dan the Company ensures that the WBS operates effectively,
sesuai standar terbaik. transparently, and meets the highest standards.
Perlindungan Bagi Pelapor Whistleblower Protection
Bank menempatkan aspek perlindungan pelapor The Bank prioritizes whistleblower protection as a key
(whistleblower) sebagai salah satu prinsip utama dalam principle in implementing the WBS. The Bank ensures that
penerapan WBS. Bank memastikan setiap pihak yang any party submitting a complaint through the WBS will
menyampaikan laporan pengaduan melalui WBS akan receive protection from all forms of threats, intimidation,
mendapatkan perlindungan dari segala bentuk ancaman, pressure, or retaliation from the reporting party.
intimidasi, tekanan, atau tindakan pembalasan dalam
bentuk apa pun dari pihak pelapor.
Identitas pelapor dijaga dengan tingkat kerahasiaan The whistleblower’s identity is kept strictly confidential and
yang tinggi dan hanya dapat diakses oleh pihak yang is accessible only to authorized parties for investigative
berwenang dalam rangka kepentingan investigasi. Bank purposes. The Bank also ensures that any report submitted
juga memastikan bahwa setiap laporan yang disampaikan in good faith will not negatively impact the whistleblower’s
dengan itikad baik tidak akan menimbulkan dampak negatif position, career, or employment relationship.
terhadap posisi, karier, atau hubungan kerja pelapor.
398 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Melalui mekanisme ini, Bank menciptakan iklim pelaporan Through this mechanism, the Bank creates a safe and
yang aman dan terpercaya, sekaligus memperkuat budaya reliable reporting environment, while strengthening a
kepatuhan, integritas, dan transparansi di seluruh lini culture of compliance, integrity, and transparency across
operasional, sejalan dengan prinsip tata kelola perusahaan all operational lines, in line with the principles of good
yang baik dan praktik anti-fraud yang efektif. corporate governance and effective anti-fraud practices.
Pihak Pengelola WBS WBS Management
Bank telah membentuk unit kerja khusus untuk mengelola The Bank has established a dedicated work unit to
WBS, termasuk memastikan setiap laporan dugaan manage the WBS, including ensuring that every report
pelanggaran ditangani secara profesional, objektif, dan of alleged violations is handled professionally, objectively,
terdokumentasi. Unit ini bertugas menelaah, menyelidiki, and documented. This unit is responsible for reviewing,
dan menindaklanjuti laporan sesuai prosedur. Untuk investigating, and following up on reports in accordance
memperkuat pengawasan, SKAI turut terlibat dalam with established procedures. To strengthen oversight, the
proses investigasi, khususnya pada kasus dengan potensi Internal Audit Unit (SKAI) is involved in the investigation
dampak material terhadap risiko operasional, keuangan, process, particularly in cases with the potential for material
atau reputasi Bank. Hasil investigasi yang bersifat strategis impact on the Bank’s operational, financial, or reputational
kemudian dilaporkan kepada Dewan Komisaris melalui risks. Strategic investigation results are then reported to
Komite Audit, sehingga tindak lanjut dapat dilakukan dengan the Board of Commissioners through the Audit Committee,
prinsip transparansi, independensi, dan akuntabilitas. allowing follow-up actions to be taken in accordance
with the principles of transparency, independence, and
accountability.
Struktur pengelolaan WBS ini memastikan bahwa This WBS management structure ensures that every
setiap laporan pengaduan ditangani secara terukur dan complaint report is handled in a measured and professional
profesional, serta mendukung pengendalian internal yang manner, supporting effective internal controls while
efektif, sekaligus memperkuat budaya kepatuhan, integritas, strengthening a culture of compliance, integrity, and
dan tata kelola di seluruh lini operasional. Pendekatan ini governance across all operational lines. This approach
menegaskan posisi WBS sebagai instrumen strategis emphasizes the WBS’s position as a strategic instrument
dalam menjaga kualitas manajemen risiko dan keberlanjutan in maintaining the quality of risk management and the
kinerja Bank. sustainability of the Bank’s performance.
Hasil Dari Penanganan Pengaduan Tahun Complaint Handling Results in 2025
2025
Sepanjang tahun 2025, Bank tidak menerima laporan Throughout 2025, the Bank received no reports of violations
pelanggaran melalui WBS. Hal ini mencerminkan through the WBS. This reflects a compliant, disciplined,
lingkungan kerja yang patuh, disiplin, dan konsisten dalam and consistent work environment in the application of
penerapan prinsip GCG serta strategi anti-fraud yang GCG principles and an effective anti-fraud strategy.
efektif.
Jumlah Penyimpangan Anti Fraud Tahun Number of Fraud Cases in 2025
2025
Pada tahun 2025 Bank mencatat tidak adanya tindakan In 2025, the Bank recorded no acts of deviation/fraud
penyimpangan/fraud yang dilakukan oleh karyawan committed by employees or management. The Bank
maupun manajemen. Bank secara konsisten memperkuat consistently strengthens prevention efforts through the
upaya pencegahan melalui implementasi kebijakan anti- implementation of anti-fraud policies, violation reporting
fraud, mekanisme pelaporan pelanggaran, serta kegiatan mechanisms, as well as socialization and awareness-
sosialisasi dan peningkatan awareness kepada seluruh raising activities for all employees.
karyawan.
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Tata Kelola Perusahaan • Good Corporate Governance Kebijakan Antikorupsi [GRI 205-1] Anti-Coruption Policy Bank menjunjung tinggi komitmen untuk menjalankan The Bank upholds its commitment to implementing healthy, praktik bisnis yang sehat, transparan, dan bebas dari transparent business practices free from Corruption, Korupsi, Kolusi, dan Nepotisme (KKN). Komitmen ini Collusion, and Nepotism (KKN). This commitment is tertuang dalam Kebijakan Anti-Korupsi yang menjadi outlined in the Anti-Corruption Policy, which serves as a pedoman bagi seluruh insan Bank dalam mencegah, guideline for all Bank personnel in preventing, detecting, mendeteksi, dan menindak setiap indikasi kecurangan, and taking action against any indication of fraud, bribery, suap, gratifikasi, penyalahgunaan wewenang, maupun gratuities, abuse of authority, or potential conflicts of potensi konflik kepentingan. interest. Kebijakan ini menegaskan larangan bagi karyawan This policy affirms the prohibition on employees and related maupun pihak terkait untuk memberikan atau menerima parties from giving or receiving any form of gift, benefit, segala bentuk hadiah, keuntungan, atau fasilitas yang or facility that could influence their independence and dapat memengaruhi independensi dan objektivitas dalam objectivity in decision-making. Furthermore, all work units pengambilan keputusan. Selain itu, seluruh unit kerja are required to apply the principles of prudence, integrity, diwajibkan menerapkan prinsip kehati-hatian, integritas, and accountability in every operational process, thus dan akuntabilitas di setiap proses operasional sehingga supporting the creation of a clean, trustworthy business mendukung terciptanya lingkungan bisnis yang bersih, environment in line with GCG practices. terpercaya, dan sejalan dengan praktik GCG. Melalui penerapan kebijakan ini secara konsisten, Bank Through consistent implementation of this policy, the Bank tidak hanya meminimalkan risiko penyimpangan dan praktik not only minimizes the risk of irregularities and corrupt koruptif, tetapi juga memperkuat kepercayaan pemangku practices but also strengthens stakeholder trust and the kepentingan dan reputasi institusi di tengah dinamika institution’s reputation amidst the dynamics of the banking industri perbankan. industry. Kegiatan Pelatihan dan/atau Sosialisasi Anti-Corruption Policy Training and/or Kebijakan Antikorupsi Kepada Karyawan Information Dissemination Activities for Perusahaan Selama Tahun 2025 [GRI 205-2] the Employees in 2025 [GRI 205-2] Pada tahun 2025, Bank telah menyelenggarakan berbagai In 2025, the Bank conducted various training and kegiatan pelatihan dan sosialisasi guna meningkatkan socialization activities to improve employee understanding pemahaman karyawan terhadap program antikorupsi dan of anti-corruption and anti-bribery programs, details of anti-penyuapan, yang rinciannya disajikan pada tabel which are presented in the following table: berikut ini: 400 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Topik Pelatihan atau
Sosialisasi Kategori Peserta Penyelenggara Tanggal Pelaksanaan
Training/Information Category of Participants Organizer Date
Dessimination Topic
Sosialiasi Penerapan Anti-Fraud Untuk Karyawan Baru Internal 24 Februari 2025
karyawan baru New Employees February 24, 2025
Socialization for New Employees on
Anti-Fraud Implementation
Sosialiasi Penerapan Anti-Fraud Untuk Karyawan Baru Internal 10 Juni 2025
karyawan baru New Employees June 10, 2025
Socialization for New Employees on
Anti-Fraud Implementation
Sosialiasi Penerapan Anti-Fraud Untuk Operasional Head dan Internal 27 Agustus 2025
Operasional Customer Service August 27, 2025
Socialization for Operations on
Anti-Fraud Implementation
Sosialiasi Penerapan Anti-Fraud Untuk Karyawan Baru Internal 24 September 2025
karyawan baru New Employees September 24, 2025
Socialization for New Employees on
Anti-Fraud Implementation
Pencegahan Insider Trading
Insider Trading Prevention
Bank menegaskan komitmen untuk mencegah praktik The Bank affirms its commitment to preventing insider
insider trading dan penyalahgunaan informasi material trading practices and the misuse of material information
yang belum tersedia untuk publik. Setiap anggota Direksi, not yet publicly available. Every member of the Board of
Dewan Komisaris, pejabat eksekutif, serta seluruh karyawan Directors, Board of Commissioners, executive officers, and
wajib mematuhi ketentuan hukum dan kode etik terkait all employees are required to comply with legal provisions
kerahasiaan informasi yang diperoleh selama menjalankan and the code of ethics regarding the confidentiality of
tugasnya. information obtained in the course of carrying out their
duties.
Sebagai bagian dari pengendalian internal, Bank As part of its internal control, the Bank has established
menetapkan pedoman internal yang ketat yang secara strict internal guidelines that explicitly prohibit any party
eksplisit melarang setiap pihak melakukan transaksi atas from conducting transactions in securities or financial
efek atau instrumen keuangan Bank maupun entitas lain instruments of the Bank or other entities with which the
yang memiliki hubungan bisnis dengan Bank apabila Bank has a business relationship if such transactions are
transaksi tersebut didasarkan pada informasi non-publik based on non-public information that could potentially
yang berpotensi memengaruhi keputusan investasi. influence investment decisions.
Penerapan kebijakan ini didukung dengan sosialisasi The implementation of this policy is supported by regular
berkala, pengawasan transaksi, dan mekanisme outreach, transaction monitoring, and a violation reporting
pelaporan pelanggaran sehingga setiap potensi risiko mechanism so that any potential risks of misuse of
penyalahgunaan informasi dapat diidentifikasi dan information can be identified and acted upon quickly
ditindaklanjuti secara cepat dan efektif. Melalui upaya ini, and effectively. Through these efforts, the Bank not only
Bank tidak hanya menjaga kepatuhan terhadap peraturan maintains compliance with OJK (Financial Services
OJK dan regulator pasar modal, tetapi juga memperkuat Authority) and capital market regulator regulations but also
integritas, transparansi, dan kepercayaan para pemangku strengthens integrity, transparency, and stakeholder trust.
kepentingan.
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Tata Kelola Perusahaan • Good Corporate Governance
Kode Etik
Code of Conduct
Bank menegaskan komitmen penuh terhadap penerapan The Bank affirms its full commitment to implementing the
Kode Etik sebagai pijakan utama perilaku profesional dan Code of Conduct as the primary foundation for professional
integritas bagi seluruh insan Bank. Komitmen ini diwujudkan behavior and integrity for all employees. This commitment
melalui penetapan pokok-pokok Kode Etik yang dituangkan is demonstrated through the establishment of the Code
dalam kebijakan dan prosedur sejak Januari 2020, yang of Conduct principles outlined in policies and procedures
secara menyeluruh mengatur etika berperilaku karyawan since January 2020, which comprehensively regulate
serta mekanisme penanganan benturan kepentingan employee ethical behavior and mechanisms for handling
secara jelas dan konsisten. conflicts of interest in a clear and consistent manner.
Sejalan dengan itu, Bank memastikan pemahaman Consistently, the Bank ensures ongoing understanding
dan kepatuhan terhadap Kode Etik dilakukan secara and compliance with the Code of Conduct through various
berkelanjutan melalui berbagai inisiatif. Upaya ini mencakup initiatives. These efforts include the signing of the Code of
penandatanganan Kode Etik, program pelatihan berkala, Conduct, regular training programs, and integration with the
serta integrasi dengan mekanisme pelaporan formal melalui formal reporting mechanism through the Whistleblowing
WBS. Pendekatan ini tidak hanya menekankan pemahaman System. This approach not only emphasizes understanding
tanggung jawab individu, tetapi juga memperkuat of individual responsibilities but also strengthens the ability
kemampuan seluruh insan Bank untuk bertindak dengan of all Bank employees to act with integrity, accountability,
integritas, akuntabilitas, dan profesionalisme dalam setiap and professionalism in all operational activities.
aktivitas operasional.
Lebih dari sekadar pedoman internal, Kode Etik juga menjadi More than just an internal guideline, the Code of
instrumen strategis yang mendukung penerapan prinsip Conduct serves as a strategic instrument supporting
GCG guna mencegah potensi benturan kepentingan the implementation of GCG principles to prevent
dan memperkuat budaya kepatuhan serta transparansi di potential conflicts of interest and strengthen a culture of
seluruh lini usaha. Dengan demikian, komitmen terhadap compliance and transparency across all business lines.
Kode Etik menjadi fondasi bagi pengambilan keputusan Thus, commitment to the Code of Conduct serves as
yang prudent, pengelolaan risiko yang disiplin, serta the foundation for prudent decision-making, disciplined
peningkatan kepercayaan pemangku kepentingan secara risk management, and the continuous enhancement of
berkelanjutan. stakeholder trust.
Pokok-Pokok Kode Etik Main Points of the Code of Conduct
Pokok-pokok Kode Etik Bank yang dituangkan dalam The main points of the Bank’s Code of Ethics, outlined in
kebijakan dan prosedur Kode Etik secara garis besar the Code of Conduct policies and procedures, broadly
mencakup hal-hal berikut: cover the following:
1. Kepatuhan terhadap Hukum dan Peraturan 1. Compliance with Laws and Regulations
Karyawan wajib mematuhi seluruh peraturan Employees are required to comply with all applicable
perundang-undangan yang berlaku serta kebijakan laws and regulations and internal company policies in
internal perusahaan dalam menjalankan tugas dan carrying out their duties and responsibilities.
tanggung jawabnya.
2. Integritas dan Kejujuran 2. Integrity and Honesty
Menjunjung tinggi kejujuran, integritas, dan etika Uphold honesty, integrity, and professional ethics in all
profesional dalam setiap tindakan, keputusan, actions, decisions, and work relationships, both inside
dan hubungan kerja, baik di dalam maupun di luar and outside the company.
perusahaan.
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Tata Kelola Perusahaan • Good Corporate Governance
3. Perilaku Profesional di Lingkungan Kerja 3. Professional Behavior in the Workplace
Bersikap sopan, saling menghormati, tidak melakukan Be polite, respectful, and refrain from discrimination,
diskriminasi, pelecehan, atau tindakan lain yang dapat harassment, or other actions that could harm
merugikan individu maupun reputasi perusahaan. individuals or the company’s reputation.
4. Benturan Kepentingan (Conflict of Interest) 4. Conflict of Interest
Menghindari segala bentuk benturan kepentingan Avoid all forms of conflict of interest between personal,
antara kepentingan pribadi, keluarga, atau pihak family, or other parties’ interests and the company’s
lain dengan kepentingan perusahaan, serta wajib interests, and disclose any potential conflict of interest
mengungkapkan potensi benturan kepentingan to management.
tersebut kepada manajemen.
5. Larangan Gratifikasi dan Suap 5. Prohibition on Gratuities and Bribery
Dilarang menerima atau memberikan hadiah, Accepting or giving gifts, gratuities, commissions, or
gratifikasi, komisi, atau bentuk keuntungan lain yang other forms of benefit that could affect objectivity and
dapat memengaruhi objektivitas dan independensi independence in decision-making is prohibited.
dalam pengambilan keputusan.
6. Kerahasiaan Informasi 6. Confidentiality of Information
Menjaga kerahasiaan data, informasi, dan dokumen Maintain the confidentiality of company data,
perusahaan serta tidak menyalahgunakannya untuk information, and documents and refrain from misusing
kepentingan pribadi atau pihak lain yang tidak them for personal gain or unauthorized use by other
berwenang. parties.
7. Penggunaan Aset Perusahaan 7. Use of Company Assets
Aset dan fasilitas perusahaan digunakan secara Company assets and facilities are used responsibly
bertanggung jawab dan hanya untuk kepentingan and solely for the benefit of the company, not for
perusahaan, bukan untuk kepentingan pribadi tanpa unauthorized personal gain.
izin.
8. Hubungan dengan Pihak Ketiga 8. Relationships with Third Parties
Menjalin hubungan dengan nasabah, mitra, vendor, Maintain relationships with customers, partners,
dan pihak eksternal lainnya secara profesional, vendors, and other external parties in a professional,
transparan, dan beretika. transparent, and ethical manner.
9. Pelaporan Pelanggaran (Whistleblowing) 9. Whistleblowing
Karyawan didorong untuk melaporkan dugaan Employees are encouraged to report suspected
pelanggaran kode etik atau kebijakan perusahaan violations of the Code of Conduct or company policies
melalui mekanisme yang telah ditetapkan, dengan through established mechanisms, with guaranteed
jaminan kerahasiaan dan perlindungan bagi pelapor. confidentiality and protection for the whistleblower.
10. Sanksi atas Pelanggaran 10. Sanctions for Violations
Setiap pelanggaran terhadap kode etik akan dikenakan Any violation of the code of ethics will be subject to
sanksi sesuai ketentuan dan tingkat pelanggaran yang sanctions according to the applicable provisions and
berlaku di perusahaan. severity of the violation within the company.
Pernyataan Kode Etik Berlaku Bagi Code of Conduct Statement Applies to All
Seluruh Level Manajemen Management Levels
Bank menegaskan bahwa Kode Etik berlaku secara The Bank confirms that the Code of Ethics applies
menyeluruh bagi seluruh jajaran manajemen dan karyawan comprehensively to all levels of management and
tanpa terkecuali, mulai dari jajaran Direksi, Dewan Komisaris, employees without exception, from the Board of Directors
hingga seluruh staf operasional. Setiap individu diharapkan and the Board of Commissioners to all operational staff.
memahami, mematuhi, dan menerapkan prinsip-prinsip Every individual is expected to understand, adhere to, and
etika yang terkandung dalam Kode Etik dalam seluruh apply the ethical principles contained in the Code of Ethics
aktivitas dan pengambilan keputusan profesional. in all professional activities and decision-making.
Penerapan Kode Etik pada semua level manajemen didukung The implementation of the Code of Ethics at all levels of
oleh mekanisme formal, antara lain penandatanganan kode management is supported by formal mechanisms, including
etik ataupun pakta integritas, program pelatihan berkala, the signing of a code of ethics or integrity pact, regular
serta sosialisasi WBS. training programs, and the dissemination of the WBS.
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Tata Kelola Perusahaan • Good Corporate Governance
Sosialisasi Kode Etik dan Upaya Code of Ethics Dissemination and
Penegakannya Enforcement Efforts
Bank menempatkan integritas dan etika sebagai fondasi The Bank places integrity and ethics as the primary
utama dalam setiap aspek operasionalnya. Sebagai wujud foundation in every aspect of its operations. As a
komitmen tersebut, Bank secara konsisten melakukan manifestation of this commitment, the Bank consistently
sosialisasi Kode Etik kepada seluruh insan Bank mulai dari disseminates the Code of Ethics to all Bank personnel, from
jajaran Direksi, manajemen, hingga karyawan di semua the Board of Directors and management to employees at
lini. Sosialisasi ini dilakukan melalui berbagai media dan all levels. This dissemination is carried out through various
program, antara lain pelatihan reguler, workshop, e-learning, media and programs, including regular training, workshops,
serta komunikasi internal yang sistematis sehingga setiap e-learning, and systematic internal communication,
individu memahami prinsip-prinsip etika, tanggung jawab ensuring that every individual understands the ethical
profesional, dan standar perilaku yang diharapkan. Selain principles, professional responsibilities, and expected
melalui sosialisasi, Bank juga menegakkan Kode Etik standards of behavior. In addition to dissemination, the
melalui penandatangan pernyataan kepatuhan terhadap Bank also enforces the Code of Ethics through the signing
Kode Etik sebagai bukti komitmen terhadap praktik GCG. of a statement of compliance with the Code of Ethics as
evidence of its commitment to GCG practices.
Pengungkapan Mengenai Budaya Disclosure Regarding Corporate Culture
Perusahaan
Further details regarding the Corporate Culture Values are
Uraian lebih lanjut mengenai Nilai-Nilai Budaya Perusahaan disclosed in the Company Profile chapter of this Annual
sudah diungkapkan pada Bab Profil Perusahaan, dalam Report.
Laporan Tahunan ini.
Sanksi Atas Pelanggaran dan Jumlah Sanctions for Violations and Number of
Pelanggaran Kode Etik Tahun 2025 Violations of the Code of Conduct in 2025
Bank memberikan sanksi tegas bagi karyawan yang terbukti The Bank imposes strict sanctions on employees found
melanggar pokok-pokok Kode Etik, baik terkait kewajiban, to have violated the Code of Conduct, whether related
kebijakan internal, Peraturan Perusahaan, maupun to obligations, internal policies, Company Regulations, or
peraturan perundang-undangan yang berlaku. Proses applicable laws and regulations. The enforcement process
penegakan dilakukan secara adil sesuai kebijakan internal, is carried out fairly in accordance with internal policies,
dengan sanksi berjenjang mulai dari Surat Peringatan with tiered sanctions ranging from First, Second, and Third
Pertama, Kedua, dan Ketiga, hingga Pemutusan Hubungan Warning Letters, to Termination of Employment (PHK) if
Kerja (PHK) bila diperlukan. necessary.
Sepanjang tahun 2025, tidak terdapat laporan Throughout 2025, there were no reports of violations of
pelanggaran Kode Etik yang dilakukan oleh karyawan. the Code of Conduct by employees. This reflects that all
Hal ini mencerminkan bahwa seluruh karyawan telah employees have a strong understanding of the code of
memiliki pemahaman yang kuat terhadap pedoman perilaku conduct, resulting in a high level of compliance.
sehingga tingkat kepatuhan dapat tercapai dengan sangat
baik.
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Tata Kelola Perusahaan • Good Corporate Governance
Program Anti-Pencucian Uang dan
Pencegahan Pendanaan Terorisme (APU-
PPT), dan Pencegahan Pendanaan Proliferasi
Senjata Pemusnah Massal (PPPSPM)
Anti-Money Laundering and Counter-Terrorist Financing (AML-CTF), and
Counter-Proliferation Financing of Weapons of Mass Destruction (CPF) Program
Bank menegaskan tekad penuh untuk menjaga integritas The Bank affirms its full commitment to maintaining the
dan keamanan sistem keuangan melalui penerapan Program integrity and security of the financial system through the
Anti-Pencucian Uang dan Pencegahan Pendanaan consistent and comprehensive implementation of the Anti-
Terorisme (APU–PPT), serta Pencegahan Pendanaan Money Laundering and Counter-Terrorism Financing (AML-
Proliferasi Senjata Pemusnah Massal (PPPSPM) secara CFT) Program, as well as the Prevention of the Financing
konsisten dan menyeluruh. Kebijakan ini dirancang untuk of the Proliferation of Weapons of Mass Destruction
memastikan bahwa seluruh aktivitas, transaksi, dan (PPPSPM). This policy is designed to ensure that all Bank
hubungan bisnis Bank sesuai dengan ketentuan hukum activities, transactions, and business relationships comply
nasional maupun standar internasional yang berlaku, serta with applicable national laws and international standards,
mencerminkan praktik GCG. and reflect GCG practices.
Dalam pelaksanaannya, Bank mengintegrasikan prinsip- In its implementation, the Bank integrates Know Your
prinsip Know Your Customer (KYC) dan Customer Due Customer (KYC) and Customer Due Diligence (CDD)
Diligence (CDD), melakukan pemantauan transaksi secara principles, conducts continuous transaction monitoring,
berkelanjutan, serta memanfaatkan sistem internal yang and utilizes internal systems capable of proactively
mampu mendeteksi pola transaksi mencurigakan secara detecting suspicious transaction patterns. Throughout
proaktif. Sepanjang tahun 2025, berbagai langkah strategis 2025, various strategic steps have been taken to strengthen
telah dilakukan untuk memperkuat implementasi APU-PPT the implementation of AML-CFT and PPPSPM, including:
dan PPPSPM, antara lain:
1. Penerapan Risk Based Approach (RBA) terhadap 1. Applying Risk Based Approach (RBA) to customers;
seluruh nasabah;
2. Penyusunan Laporan Individual Risk Assessment 2. Preparing Individual Risk Assessment Reports;
untuk mengidentifikasi risiko spesifik nasabah;
3. Upgrade sistem SmartAml untuk memitigasi risiko 3. Upgrading the SmartAml System to mitigate online
transaksi judi online; gambling transactions;
4. Pengembangan sistem pemantauan terhadap 4. Developing a monitoring system for 2024 Election and
transaksi terkait Pemilu dan Pilkada 2025; Regional Election transactions;
5. Pengukuran tingkat kepatuhan Bank terhadap rezim 5. Measuring the Bank’s level of compliance with the Anti-
APU-PPT dan PPPSPM oleh PPATK; Money Laundering and Counter-Terrorist Financing and
Counter-Proliferation Financing of Weapons of Mass
Destruction (AML-CTF and CPF) regime by PPATK;
6. Monitoring nasabah high risk secara intensif; 6. Monitoring high risk customers;
7. Screening nasabah terhadap daftar blacklist serta 7. Screening customers against the blacklist and
pemantauan transaksi yang dilakukan oleh nasabah; monitoring transactions made by customers;
8. Pemantauan implementasi APU-PPT dan PPPSPM di 8. Monitoring the implementation of AML-CTF and CPF
kantor cabang melalui program Compliance Review at branch offices with the Compliance Review and
and Testing; Testing program;
9. Implementasi sistem SmartAml yang telah ditingkatkan 9. Implementing SmartAml Upgrade System; and
untuk mendukung deteksi dini transaksi mencurigakan;
serta
10. Pelaksanaan pelatihan APU-PPT dan PPPSPM secara 10. Carrying out periodic AML-CTF and CPF training by
berkala untuk seluruh karyawan sesuai ketentuan OJK. the Bank in order to comply with OJK regulations.
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Tata Kelola Perusahaan • Good Corporate Governance
Bank juga aktif berkoordinasi dengan regulator dan The Bank also actively coordinates with regulators and
lembaga terkait untuk memastikan program ini berjalan relevant institutions to ensure the effectiveness of this
efektif. Setiap temuan indikasi pelanggaran ditindaklanjuti program. Any findings of indications of violations are
sesuai prosedur, dan apabila diperlukan, dilaporkan followed up according to procedures and, if necessary,
kepada otoritas yang berwenang. Penerapan APU-PPT reported to the relevant authorities. The implementation
dan PPPSPM tidak hanya memastikan kepatuhan terhadap of AML-CFT and Anti-Money Laundering and Counter-
peraturan, tetapi juga mencerminkan kontribusi Bank dalam Terrorist Financing (AML-CTF), and Counter-Proliferation
menjaga stabilitas sistem keuangan nasional, membangun Financing of Weapons of Mass Destruction (CPF)
kepercayaan publik, dan mendukung terciptanya ekosistem Program not only ensures regulatory compliance but also
keuangan yang aman, transparan, dan bertanggung jawab. reflects the Bank’s contribution to maintaining the stability
Bank juga aktif berkoordinasi dengan regulator dan of the national financial system, building public trust,
lembaga terkait untuk memastikan program ini berjalan and supporting the creation of a safe, transparent, and
efektif. Setiap temuan indikasi pelanggaran ditindaklanjuti responsible financial ecosystem. The Bank also actively
sesuai prosedur, dan apabila diperlukan, dilaporkan coordinates with regulators and relevant institutions
kepada otoritas yang berwenang. Penerapan APU-PPT to ensure the program’s effectiveness. Any findings of
dan PPPSPM tidak hanya memastikan kepatuhan terhadap indications of violations are followed up according to
peraturan, tetapi juga mencerminkan kontribusi Bank dalam procedure and, if necessary, reported to the relevant
menjaga stabilitas sistem keuangan nasional, membangun authorities. The implementation of AML-CFT and Counter-
kepercayaan publik, dan mendukung terciptanya ekosistem Proliferation Financing of Weapons of Mass Destruction
keuangan yang aman, transparan, dan bertanggung jawab. (CPF) Program not only ensures regulatory compliance
but also reflects the Bank’s contribution to maintaining the
stability of the national financial system, building public
trust, and supporting the creation of a safe, transparent,
and responsible financial ecosystem.
Kebijakan Pemberian Kompensasi
Jangka Panjang Berbasis Kinerja kepada
Manajemen dan/atau Karyawan
Policy on the Provision of Performance-Based Long-Term Compensation to
Management and/or Employees
Bank menempatkan penghargaan terhadap kinerja sebagai The Bank places performance-based rewards as one of
salah satu pilar dalam strategi pengelolaan SDM. Sebagai the pillars of its HR management strategy. As part of its
bagian dari upaya mempertahankan talenta unggul dan efforts to retain top talent and encourage long-term career
mendorong perkembangan karier jangka panjang, Bank development, the Bank provides long-term performance-
memberikan kompensasi jangka panjang berbasis kinerja based compensation to management and employees who
kepada manajemen dan karyawan yang menunjukkan demonstrate significant contributions to the achievement of
kontribusi signifikan terhadap pencapaian tujuan strategis the Bank’s strategic objectives.
Bank.
Kebijakan ini dirancang tidak hanya untuk meningkatkan This policy is designed not only to increase motivation and
motivasi dan loyalitas, tetapi juga untuk memastikan loyalty but also to ensure that each award aligns with GCG
bahwa setiap penghargaan sejalan dengan prinsip GCG. principles. This program is implemented systematically and
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Tata Kelola Perusahaan • Good Corporate Governance
Implementasi program ini dilakukan secara sistematis dan evaluated periodically to reflect both individual performance
dievaluasi secara berkala agar mencerminkan pencapaian and overall organizational performance.
kinerja individu maupun kinerja organisasi secara
keseluruhan.
Informasi lebih rinci mengenai mekanisme, kriteria, dan More detailed information regarding the mechanism,
pelaksanaan Kompensasi Jangka Panjang Berbasis Kinerja criteria, and implementation of Long-Term Performance-
dapat dilihat pada Bab Tata Kelola Perusahaan yang Baik, Based Compensation can be found in the Good Corporate
subbab Kebijakan Nominasi dan Remunerasi, halaman 277. Governance Chapter, Nomination and Remuneration Policy
subsection, page 277.
Penyediaan Dana kepada Pihak Terkait dan
Penyediaan Dana Besar
Provision of Funds to Related Parties and Provision of Large Exposures
Bank menerapkan prinsip kehati-hatian dan transparansi The Bank applies the principles of prudence and
terkait penyediaan dana kepada pihak terkait maupun transparency in providing funds to related parties and
dalam penyaluran dana besar. Setiap fasilitas kredit atau in disbursing large amounts of funds. Every credit or
pendanaan kepada pihak terkait, termasuk Pemegang funding facility granted to related parties, including Main
Saham Utama maupun anggota Direksi wajib melalui Shareholders and members of the Board of Directors, is
proses evaluasi independen yang mengedepankan prinsip required to undergo an independent evaluation process
kewajaran sehingga risiko benturan kepentingan dapat that prioritizes the principle of fairness to minimize the
diminimalkan dan kepatuhan terhadap peraturan yang risk of conflicts of interest and maintain compliance with
berlaku tetap terjaga. applicable regulations.
Sementara itu, penyediaan dana dalam skala besar untuk Meanwhile, the provision of large-scale funds for
proyek atau transaksi signifikan dilakukan melalui analisis significant projects or transactions is conducted through
risiko yang komprehensif dan persetujuan berjenjang comprehensive risk analysis and tiered approvals, always
senantiasa melibatkan Komite Kredit dan Direksi. involving the Credit Committee and the Board of Directors.
Mekanisme ini memastikan setiap keputusan pembiayaan This mechanism ensures that every financing decision
tetap selaras dengan strategi bisnis Bank, sekaligus remains aligned with the Bank’s business strategy, while
menjaga stabilitas keuangan dan reputasi perseroan. maintaining the company’s financial stability and reputation.
Informasi rinci mengenai penyediaan dana kepada pihak Detailed information regarding the provision of funds to
terkait serta total eksposur grup dan core debtors terhadap related parties and the total exposure of group and core
total portofolio kredit Bank sepanjang tahun 2025 disajikan debtors to the Bank’s total credit portfolio throughout 2025
sebagai berikut: is presented below:
Penyediaan Dana kepada Pihak Terkait dan Penyediaan Dana Besar
Fund Provision to Related Party and Large Exposure
Penyediaan Dana Jumlah Debitur Nominal (Jutaan Rp)
Provisions of Fund Total Debtors Nominal (Millions IDR)
Kepada Pihak Terkait | To Related Parties 6 37.804
Kepada Debitur Inti: | To Core Debtors: 25 7.212.366
• Individual 13 3.581.799
• Grup | Group 12 3.630.567
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Tata Kelola Perusahaan • Good Corporate Governance Kredit yang Direstrukturisasi Restructured Loans Hingga akhir tahun 2025, Bank telah melakukan upaya Until the end of 2025, the Bank has undertaken loan restrukturisasi kredit untuk mendukung keberlanjutan restructuring efforts to support customer business usaha nasabah serta menjaga kualitas portofolio kredit. sustainability and maintain the quality of its loan portfolio. Restrukturisasi tersebut dilakukan melalui skema This restructuring was carried out through loan term perpanjangan jangka waktu kredit dan penyesuaian suku extensions and interest rate adjustments, totaling bunga dengan total nilai mencapai Rp731.068.185.606 IDR 731,068,185,606 (full amount). This measure reflects (nilai penuh). Langkah ini mencerminkan komitmen Bank the Bank’s commitment to providing responsive financial dalam memberikan solusi keuangan yang responsif solutions to customer needs while prudently maintaining terhadap kondisi nasabah, sekaligus mempertahankan credit risk stability. stabilitas risiko kredit secara prudent. Share Option, Buyback Share, dan/atau Buyback Obligasi Share Option, Share Buyback, and/or Bond Buyback Sepanjang tahun 2025, Bank tidak melakukan aktivitas Throughout 2025, the Bank did not carry out any activities terkait share option, buy back share, maupun buy back related to share options, share buyback shares, or bond obligasi. buyback. Rencana Strategis Bank Bank’s Strategic Plan Bank telah menyusun rencana strategis jangka pendek The Bank has developed short-term and long-term maupun jangka panjang dengan mempertimbangkan strategic plans, taking into account the dynamics of the dinamika industri perbankan, kondisi makroekonomi, banking industry, macroeconomic conditions, and the serta kebutuhan internal Bank untuk tumbuh secara Bank’s internal needs for sustainable growth. This strategy berkelanjutan. Penyusunan strategi ini dilakukan melalui was developed through a comprehensive analysis of market analisis menyeluruh atas peluang pasar, tantangan opportunities, competitive challenges, regulatory changes, kompetitif, perubahan regulasi, serta ekspektasi pemangku and stakeholder expectations. kepentingan. Berikut merupakan rencana jangka pendek dan jangka The following are the Bank’s short-term and long-term panjang Bank: plans: Rencana Jangka Pendek Short-Term Plan secara umum, rencana bisnis bank untuk jangka pendek In general, the Bank’s short-term business plan focuses on fokus pada penguatan sistem internal dengan tujuan strengthening internal systems with the primary objective utama yaitu “penguatan Pondasi untuk pertumbuhan of “strengthening the foundation for sustainable growth.” keberlanjutan”. 408 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Tata Kelola Perusahaan • Good Corporate Governance
Terdapat beberapa target utama yang menjadi komitmen Several key targets are committed to the Bank in the short
bank dalam jangka pendek, yaitu dalam 1 tahun ini term, specifically within this year:
diantaranya adalah sebagai berikut:
1. Peningkatan jumlah aset sebesar 11,4%; 1. Increase total assets by 11.4%;
2. Peningkatan kredit sebesar 19,14%; 2. Increase credit by 19.14%;
3. Peningkatan dana pihak ketiga sebesar 19,67%; 3. Increase third-party funds by 19.67%;
4. Laba meningkat secara signifikan; dan 4. Significant profit increase; and
5. NPL terjaga di 2%. 5. Maintain NPL at 2%.
Dalam mencapai hal tersebut Bank membagi dengan To achieve this, the Bank has divided its action plans into
beberapa kategori rencana aksi diantaranya adalah sbb.: several categories, including:
1. Petumbuhan: Pertumbuhan Keberlanjutan untuk 1. Growth: Sustainable Growth to Become a Strong
Menjadi Bank yang Kuat Bank
Menyeimbangkan pertumbuhan kredit local dan Balancing credit growth between local and Korean
perusahan korea, mengembangkan core deposit dan companies, developing core deposits and a customer
basis customer, dan penguatan bisnis forex. base, and strengthening the forex business.
2. Digital: Transformasi Digital untuk Stabilitas Internal 2. Digital: Digital Transformation for Internal Stability
Peluasan digital bisnis proses, penunjukan IT Solutions Expanding digital business processes, appointing
baru, peningkatan digital dan IT infastruktur. new IT Solutions, and enhancing digital and IT
infrastructure.
3. Kesehatan Bank: Penguatan Proses Kredit dan 3. Bank Health: Strengthening Credit Processes and
Manajemen Kesehatan Health Management
Peningkatan kapabilitas peninjauan kredit dan kredit Enhancing credit review capabilities and the credit
system, sistemisasi operasional kredit dan proses system, systematizing credit operations and the credit
peninjauan kredit, dan penguatan manajemen asset review process, and strengthening high-risk asset
berisiko tinggi management.
4. Internal Sistem: Perbaikan Sistem Internal untuk 4. Internal Systems: Internal System Improvements for
Pengembangan yang Stabil Stable Development
Optimisasi ALM, Membangun budaya organisasi Optimizing ALM, Building a healthy organizational
yang sehat dan system management HR, Penguatan culture and HR management system, strengthening
internal control dan penguatan produktifitas. internal control, and enhancing productivity.
Rencana Jangka Panjang Long-Term Plan
Dalam jangka panjang, bank akan fokus dalam pertumbuhan In the long term, the bank will focus on growing assets to
aset sebesar Rp42 triliun dan laba bersih mencapai Rp450 IDR42 trillion and net profit to IDR450 billion by 2030. To
miliar rupiah di tahun 2030. Untuk mencapai hal tersebut, achieve this goal, the bank will strengthen its bank health
bank akan meperkuat tingkat kesehatan bank dan inovasi and innovate its internal systems for growth.
sistem internal untuk pertumbuhan.
Untuk mendukung hal tersebut, bank akan meningkatkan Accordingly, the bank will enhance organizational functions
fungsi organisasi dalam bisnis untuk mendukung kinerja within the business to support business performance,
bisnis, pengembangan produk pembiyaan dan pendanaan, develop financing and funding products, and enhance
pengembangan customer relation management. customer relationship management. To support the
Untuk mendukung bisnis, bank juga mendukung business, the bank also supports human resource
dalam pengembangan SDM bank untuk meningkatkan development to increase productivity and IT infrastructure
produktivitas dan juga dukungan IT infastruktur dalam support to enhance bank productivity.
meningkatkan produktivitas bank.
Selain itu, Bank memiliki recovery plan yang dirancang Furthermore, the bank has a recovery plan designed as
sebagai langkah antisipatif untuk menjaga keberlangsungan an anticipatory measure to maintain business continuity
usaha dan ketahanan keuangan dalam menghadapi situasi and financial resilience in the face of a crisis. This plan
krisis. Rencana ini mencakup strategi pemulihan dan tindakan includes recovery strategies and priority actions ready to
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Tata Kelola Perusahaan • Good Corporate Governance
prioritas yang siap diaktifkan jika Bank mengalami tekanan be activated if the bank experiences significant financial
keuangan atau operasional yang signifikan. Recovery plan or operational pressure. The recovery plan is developed
tersebut disusun sesuai dengan pedoman regulator dan in accordance with regulatory guidelines and covers crisis
mencakup skenario krisis, termasuk langkah-langkah untuk scenarios, including measures to maintain liquidity, mitigate
mempertahankan likuiditas, memitigasi risiko kredit, dan credit risk, and maintain operational stability. With this
menjaga stabilitas operasional. Dengan adanya recovery recovery plan, the bank ensures its readiness to respond
plan ini, Bank memastikan kesiapan dalam menanggapi to various external and internal risks, thereby protecting the
berbagai risiko eksternal maupun internal, sehingga dapat interests of stakeholders, including customers, investors,
melindungi kepentingan pemangku kepentingan, termasuk and regulators, while maintaining overall financial system
nasabah, investor, dan regulator, serta menjaga stabilitas stability.
sistem keuangan secara keseluruhan.
Transparansi Kondisi Keuangan dan
Non-Keuangan
Transparency of Financial and Non-Financial Condition
Transparansi dalam pelaporan kondisi keuangan maupun Transparency in reporting financial and non-financial
non-keuangan merupakan fondasi penting dalam menjaga conditions is a crucial foundation for maintaining
kepercayaan pemangku kepentingan sekaligus mendukung stakeholder trust and supporting the Bank’s accountability.
akuntabilitas Bank. Dengan prinsip keterbukaan, Bank Based on the principle of openness, the Bank ensures
memastikan bahwa seluruh informasi baik keuangan that all financial and non-financial information is presented
maupun non-keuangan disajikan secara akurat, jujur, accurately, honestly, and timely, in accordance with
dan tepat waktu, sesuai dengan standar pelaporan yang applicable reporting standards.
berlaku.
Transparansi Kondisi Keuangan Bank Transparency of the Bank’s Financial
Condition
Transparansi keuangan menjadi salah satu pilar utama Financial transparency is a key pillar of the Bank’s
dalam tata kelola Bank. Komitmen ini diwujudkan melalui governance. This commitment is demonstrated through
penyampaian laporan resmi secara konsisten, termasuk the consistent submission of official reports, including
Laporan Tahunan dan Laporan Keberlanjutan, serta the Annual Report and Sustainability Report, as well as
Laporan Keuangan Tahunan yang dipublikasikan kepada the Annual Financial Report, which is published to the
masyarakat melalui media cetak berbahasa Indonesia public through Indonesian-language print media with wide
dengan jangkauan luas. Selain itu, Bank juga secara reach. Furthermore, the Bank routinely fulfills its reporting
rutin memenuhi kewajiban pelaporan kepada regulator, obligations to regulators, including the submission of an
termasuk penyampaian Laporan Keuangan Tahunan yang Annual Financial Report audited by a Public Accounting
telah diaudit oleh KAP sesuai ketentuan yang berlaku. Firm in accordance with applicable regulations.
Untuk mempermudah akses informasi bagi seluruh To facilitate access to information for all stakeholders, the
pemangku kepentingan, Bank menyediakan Laporan Bank provides Quarterly and Annual Financial Reports, as
Keuangan Triwulanan dan Tahunan, serta laporan GCG well as GCG reports, through its official website at www.
melalui situs resmi Bank di www.ibk.co.id. Melalui laman ibk.co.id. Through this page, the public can openly access
tersebut, publik dapat mengakses secara terbuka informasi comprehensive and up-to-date information regarding the
terkait profil Bank, kinerja operasional, serta posisi Bank’s profile, operational performance, and financial
keuangan secara komprehensif dan terkini. position.
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Tata Kelola Perusahaan • Good Corporate Governance Transparansi Kondisi Keuangan Non- Transparency of Non-Bank Financial Bank Conditions Transparansi non-keuangan dilaksanakan melalui Non-financial transparency is implemented through the penyediaan informasi yang jelas dan mudah dipahami provision of clear and easy-to-understand information mengenai karakteristik produk dan layanan Bank, regarding the characteristics of the Bank’s products and disampaikan melalui brosur, leaflet, banner, situs web, media services, delivered through brochures, leaflets, banners, sosial, maupun papan reklame. Bank juga menyediakan websites, social media, and billboards. The Bank also kanal pengaduan nasabah baik melalui layanan telepon provides a customer complaints channel, both via telephone maupun secara langsung di kantor cabang, untuk and in-person at branch offices, to ensure a prompt and memastikan respons yang cepat dan akuntabel terhadap accountable response to customer input and complaints. masukan maupun keluhan nasabah. Bank memiliki kebijakan dan prosedur yang terstruktur The Bank has structured policies and procedures related terkait pelaksanaan transparansi kondisi keuangan dan non- to the implementation of transparency of financial and non- keuangan, termasuk ketentuan pengukuran dan pelaporan financial conditions, including provisions for measuring instrumen keuangan sesuai dengan standar akuntansi and reporting financial instruments in accordance with PSAK 109. Kebijakan ini menjadi acuan dalam menjamin accounting standard PSAK 109. This policy serves as konsistensi, keandalan, dan keterbukaan informasi bagi a reference for ensuring consistency, reliability, and seluruh pemangku kepentingan. transparency of information for all stakeholders. Perselisihan Internal Internal Disputes Sepanjang tahun 2025, Bank mencatat kondisi internal Throughout 2025, the Bank recorded harmonious internal yang harmonis tanpa adanya perselisihan antar karyawan conditions without any material and significant disputes yang bersifat material dan signifikan. between employees. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 411
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Tata Kelola Perusahaan • Good Corporate Governance
Pemberian Dana untuk Kegiatan Sosial
dan Kegiatan Politik
Provision of Funds for Social Activities and Political Activities
Bank melaksanakan kegiatan pemberian dana untuk The Bank provides funding for social activities as part
kegiatan sosial sebagai bagian dari komitmen strategis of its strategic commitment to supporting sustainable
dalam mendukung pembangunan berkelanjutan serta development and creating added value for the community.
menciptakan nilai tambah bagi masyarakat. Seluruh All social activities, including humanitarian assistance,
kegiatan sosial termasuk bantuan kemanusiaan, education, environmental assistance, and community
pendidikan, lingkungan, dan pengembangan masyarakat development, are carried out in a planned and transparent
dilaksanakan secara terencana, transparan, dan mengacu manner, and in accordance with the Bank’s internal policies
pada kebijakan internal Bank serta peraturan perundang- and applicable laws and regulations.
undangan yang berlaku.
Sebagai wujud independensi dan integritas, Bank tidak As a manifestation of independence and integrity, the Bank
memberikan dana, dukungan, maupun kontribusi does not provide funds, support, or contributions in
dalam bentuk apa pun untuk kegiatan politik baik any form for political activities, whether to political
kepada partai politik, kandidat, maupun organisasi yang parties, candidates, or politically affiliated organizations.
berafiliasi politik. Kebijakan ini diterapkan untuk menghindari This policy is implemented to avoid potential conflicts of
potensi benturan kepentingan dan memastikan seluruh interest and ensure that all operational activities are carried
kegiatan operasional berjalan sesuai prinsip tata kelola out in accordance with sound governance principles.
yang sehat.
Selain itu, Bank juga aktif melakukan edukasi perbankan Furthermore, the Bank actively conducts banking education
sebagai bagian dari tanggung jawab sosialnya. Pada as part of its social responsibility. By 2025, the Bank had
tahun 2025, Bank telah menyelenggarakan program held four financial education programs, covering practical
edukasi keuangan sebanyak 4 (empat) kali dengan materi information and knowledge for the wider community,
yang mencakup informasi dan pengetahuan praktis bagi including:
masyarakat luas, antara lain:
Lokasi
Nama Kegiatan Jenis Kegiatan Tanggal
No Kegiatan
Name of Activity Type of Activity Date
Location
1 ELK Triwulan I Edukasi Literasi Keuangan kepada karyawan pabrik PT Karawang Prima 25 Februari 2025
Financial Lwiteracy PT Karawang Prima Sejahtera Steel (KPSS) Sejahtera Steel February 25, 2025
Education (ELK) Financial Literacy Education for PT Karawang Prima (KPSS)
Quarter I Sejahtera Steel (KPSS)
2 ELK Triwulan II Edukasi Literasi Keuangan Kepada SMPN 129 Sekolah Menengah 17 Juni 2025
Financial Literacy Jakarta Pertama (SMP) June 17, 2025
Education (ELK) Factory Employees 129
Quarter II Financial Literacy Education for SMPN 129 Jakarta
3 ELK Triwulan III Edukasi Literasi bagi penyandang disabilitas Hotel Quest Darmo 16 September 2025
Financial Literacy Literacy Education for People with Disabilities Surabaya September 16, 2025
Education (ELK)
Quarter III
4 ELK Triwulan IV Edukasi Literasi Keuangan di Sekolah Rakyat Ancol Sekolah Rakyat 27 November 2025
Financial Literacy Financial Literacy Education at Ancol Elementary Ancol November 27, 2025
Education (ELK) School
Quarter IV
Langkah-langkah ini mesnegaskan komitmen Bank untuk These steps underscore the Bank’s commitment to not only
tidak hanya menjaga kepatuhan dan integritas, tetapi maintaining compliance and integrity, but also empowering
juga memberdayakan masyarakat melalui pengetahuan communities through financial knowledge that can be
keuangan yang dapat dimanfaatkan secara langsung. directly utilized.
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Tata Kelola Perusahaan • Good Corporate Governance
Pengadaan Barang dan Jasa
Procurement of Goods and Services
Setiap kegiatan pengadaan dilaksanakan melalui Every procurement activity is carried out through an
mekanisme seleksi yang objektif dan kompetitif untuk objective and competitive selection mechanism to ensure
memastikan Bank memperoleh kualitas terbaik dengan the Bank obtains the best quality at the optimal cost.
biaya yang optimal. Proses pengadaan diawasi oleh unit The procurement process is overseen by relevant units
terkait guna mencegah konflik kepentingan, memastikan to prevent conflicts of interest, ensure compliance with
kepatuhan terhadap kebijakan internal dan ketentuan internal policies and regulatory requirements, and ensure
regulator, serta menjamin integritas seluruh pihak yang the integrity of all parties involved. The following are the
terlibat. Berikut merupakan tahapan pengadaan di dalam procurement stages within the Bank:
Bank:
1. Perencanaan kebutuhan, proses ini dilanjutkan 1. Requirements planning, followed by verification
dengan verifikasi dan dokumentasi; and documentation;
2. Aanwijzing, untuk memperjelas spesifikasi 2. Aanwijzing, to clarify requirements specifications;
kebutuhan;
3. Proses Kurasi penawaran yang masuk, dan 3. Curation of incoming bids, and negotiations to
negosiasi untuk mencapai kesepakatan terbaik; reach the best agreement;
4. Penandatanganan kontrak kerja, yang diikuti oleh 4. Signing of the work contract, followed by
pengawasan pekerjaan hingga pekerjaan selesai. supervision of the work until completion.
Penerapan Tata Kelola pada Kantor Cabang
Bank Luar Negeri (KCBLN)
Governance Implementation Overseas Bank Branch Offices (KCBLN)
Sampai dengan akhir tahun 2025, Bank tidak memiliki Until the end of 2025, the Bank does not have any Overseas
Kantor Cabang Bank Luar Negeri (KCBLN). Bank Branch Offices (KCBLN).
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Tata Kelola Perusahaan • Good Corporate Governance
Penerapan Keuangan Berkelanjutan
Implementation of Sustainable Finance
1. Bank menerapkan keuangan berkelanjutan dalam 1. The Bank implements sustainable finance in its
kegiatan usaha Bank dan menyusun rencana business activities and develops a sustainable
aksi keuangan berkelanjutan bagi Bank dengan finance action plan for the Bank, guided by the
berpedoman pada Peraturan Otoritas Jasa Keuangan Financial Services Authority Regulation concerning
mengenai penerapan keuangan berkelanjutan bagi the implementation of sustainable finance for financial
lembaga jasa keuangan, emiten, dan perusahaan services institutions, issuers, and public companies.
publik.
2. Bank memiliki dan mengalokasikan sebagian dananya 2. The Bank maintains and allocates a portion of its funds
sebagai dana tanggung jawab sosial dan lingkungan as a social and environmental responsibility fund to
dalam mendukung kegiatan penerapan keuangan support the implementation of sustainable finance.
berkelanjutan. Alokasi dan penggunaan dana tanggung The allocation and use of the Bank’s social and
jawab sosial dan lingkungan Bank tersebut hanya environmental responsibility fund are used solely to
digunakan untuk mendukung kegiatan penerapan support the implementation of sustainable finance and
keuangan berkelanjutan, serta dapat memberikan nilai may provide added value to the Bank, both directly
tambah bagi Bank baik secara langsung maupun tidak and indirectly.
langsung.
3. Dalam penerapan keuangan berkelanjutan, Bank 3. In implementing sustainable finance, the Bank
melaksanakan praktik bisnis dan strategi investasi implements business practices and investment
dengan memperhatikan, menerapkan, dan strategies that consider, implement, and integrate
mengintegrasikan nilai lingkungan, sosial, dan tata environmental, social, and governance values to
kelola dalam mendukung paling sedikit: support at least:
a. ekosistem bisnis berkelanjutan; a. a sustainable business ecosystem;
b. pengembangan produk; b. product development;
c. transaksi; c. transactions;
d. jasa pembiayaan kegiatan berkelanjutan dan d. financing services for sustainable activities and
pembiayaan transisi menuju pertumbuhan financing the transition towards sustainable
ekonomi yang berkelanjutan; economic growth;
e. pengembangan program keuangan berkelanjutan e. developing sustainable finance programs and
serta pelaksanaan aktivitas operasional bank implementing environmentally conscious bank
yang berwawasan lingkungan; dan operational activities; and
f. pemberdayaan sosial dan masyarakat. f. social and community empowerment.
4. Bank mempertimbangkan risiko terkait iklim yang 4. The Bank considers climate-related risks that could
dapat berdampak jangka pendek, jangka menengah, have short-, medium-, and long-term impacts on
dan jangka panjang terhadap bisnis Bank dan its business and incorporates these risks into its
memperhitungkan risiko tersebut pada strategi bisnis business strategy and risk management framework.
dan kerangka manajemen risiko. Penentuan jangka The timeframe used by the Bank in analyzing the
waktu yang digunakan Bank dalam menganalisis impact of climate-related risks takes into account,
dampak risiko terkait iklim mempertimbangkan antara among other things, the Business Plan (RBB) and
lain RBB dan target pemerintah sebagaimana tertuang government targets as outlined in the Nationally
dalam dokumen Nationally Determined Contribution Determined Contribution (NDC) document and
(NDC) dan komitmen pencapaian net zero emission, commitment to achieving net zero emissions, and/or
dan/atau dokumen lain terkini yang ditetapkan atau other recent documents established or certified by
dipersamakan oleh kementerian dan/atau instansi authorized ministries and/or agencies.
yang berwenang.
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Tata Kelola Perusahaan • Good Corporate Governance
5. Dalam pengelolaan risiko terkait iklim, Bank 5. In managing climate-related risks, the Bank defines
menetapkan peran dan tanggung jawab Direksi, the roles and responsibilities of the Board of Directors,
Dewan Komisaris, dan unit kerja pada Bank sesuai Board of Commissioners, and work units within the
dengan struktur organisasi, mekanisme koordinasi Bank in accordance with its organizational structure,
dalam pengelolaan risiko terkait iklim, dan pelaksanaan coordination mechanisms for climate-related risk
pengawasan secara efektif. management, and effective oversight.
6. Bank memiliki kebijakan, prosedur, dan pengendalian 6. The Bank has appropriate policies, procedures, and
yang tepat untuk manajemen risiko terkait iklim yang controls for effective climate-related risk management.
efektif. Kebijakan dan prosedur dimaksud merupakan These policies and procedures are part of the risk
bagian dari kebijakan penerapan manajemen risiko management implementation policy in accordance
sesuai dengan Peraturan Otoritas Jasa Keuangan with the Financial Services Authority Regulation
mengenai penerapan manajemen risiko bagi bank concerning the implementation of risk management
umum. for commercial banks.
7. Bank memperhitungkan risiko terkait iklim dalam 7. The Bank considers climate-related risks within its
kerangka pengendalian internal melalui 3 (tiga) lini internal control framework through three lines of
pertahanan (three lines of defence) yang mencakup defense, encompassing business management,
lini manajemen bisnis, lini manajemen risiko dan risk management and compliance, and internal
kepatuhan, dan lini audit intern untuk memastikan audit. This ensures that climate-related risks are
identifikasi, pengukuran, dan mitigasi risiko terkait iklim identified, measured, and mitigated appropriately,
dilakukan dengan tepat, komprehensif, dan efektif. comprehensively, and effectively.
8. Bank mengidentifikasi, memonitor dan mengelola 8. The Bank identifies, monitors, and manages climate-
risiko terkait iklim yang dapat mempengaruhi kondisi related risks that could impact its financial condition,
finansial, termasuk permodalan dan likuiditas. Bank including capital and liquidity. The Bank must ensure
harus memastikan risk appetite dan kerangka its risk appetite and risk management framework
manajemen risiko telah memadai untuk mengatasi are adequate to address climate-related risks and
risiko terkait iklim dan menentukan pendekatan dalam determine its approach to identifying, measuring,
mengidentifikasi, mengukur, memonitor dan mengelola monitoring, and managing these risks.
risiko tersebut.
Bank memastikan pembagian peran, tanggung jawab, The Bank ensures the division of roles, responsibilities,
maupun transparansi pada masing-masing lapisan and transparency within each layer of defense when
pertahanan pada penerapan 3 (tiga) lini pertahanan (three implementing the three lines of defense in managing risks
lines of defence) dalam pengelolaan risiko terkait dampak related to the impacts of climate change.
perubahan iklim.
Penerapan Tata Kelola dalam Kelompok
Usaha Bank
Implementation of Governance in Bank Business Groups
Hingga saat ini, PT Bank IBK Indonesia Tbk tidak memiliki Until now, PT Bank IBK Indonesia Tbk does not have
anak usaha dan/atau tidak termasuk ke dalam struktur any subsidiaries and/or is not included in the financial
konglomerasi keuangan. conglomerate structure.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 415
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Laporan Keberlanjutan Sustainability Report
Page 417
’’
Kinerja yang
solid, strategi
yang adaptif, dan
komitmen pada
keberlanjutan menjadi
landasan langkah
Bank IBK ke depan
Solid performance, adaptive
strategies, and a commitment to
sustainability form the foundation
of Bank IBK’s path forward
Page 418
Laporan Keberlanjutan • Sustainability Report Komitmen Keberlanjutan Sustainability Commitment Keberlanjutan bagi Bank bukan sekadar pemenuhan For the Bank, sustainability is not only merely fulfilling kewajiban, melainkan fondasi dalam membangun obligations; but also it is the foundation for building pertumbuhan yang bertanggung jawab dan relevan di responsible and relevant growth amid economic dynamics tengah dinamika ekonomi serta ekspektasi pemangku and evolving stakeholder expectations. The Bank views kepentingan yang terus berkembang. Bank memandang long-term performance can only be achieved when bahwa kinerja jangka panjang hanya dapat dicapai apabila aligned with environmental awareness, inclusive social selaras dengan kepedulian terhadap lingkungan, kontribusi contributions, and strong adaptive governance. Therefore, sosial yang inklusif, serta tata kelola yang kuat dan adaptif. the Bank consistently implements Environmental, Atas dasar tersebut, Bank secara konsisten menanamkan Social, and Governance (ESG) principles as the primary prinsip Environmental, Social, and Governance (ESG) framework for policy formulation, decision-making, and sebagai kerangka utama dalam perumusan kebijakan, business operations. pengambilan keputusan, dan pelaksanaan kegiatan usaha. 418 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Keberlanjutan • Sustainability Report Pada pilar Environment, Bank berkomitmen untuk Under the Environment pillar, the Bank is commits to berperan aktif dalam upaya pelestarian lingkungan playing an active role in environmental conservation dan pengurangan dampak operasional terhadap alam. efforts and reducing operational impacts on nature. These Komitmen ini diwujudkan melalui pelaksanaan program commitments are realized through the implementation of tanggung jawab sosial yang berorientasi pada perbaikan social responsibility programs oriented towards improving kualitas lingkungan, antara lain melalui kegiatan penanaman environmental quality, including tree planting activities and pohon serta inisiatif pengurangan jejak karbon. Di sisi carbon footprint reduction initiatives. Operationally, the operasional, Bank mendorong penghematan energi dan Bank encourages energy savings and more efficient use of penggunaan sumber daya yang lebih efisien sebagai resources as part of its transition to more environmentally bagian dari upaya transisi menuju praktik perbankan yang friendly banking practices. lebih ramah lingkungan. Sementara itu, pada pilar Social, Bank meyakini bahwa Under the Social pillar, the Bank believes that sustainability keberlanjutan tidak dapat dipisahkan dari peran aktif dalam is inseparable from its active role in enhancing the quality meningkatkan modal tenaga kerja Bank dan kesejahteraan of its human capital and promoting community well-being. masyarakat. Dalam peningkatan modal kerja, Bank To strengthen human capital, the Bank provides employee memberikan kesejahteraan pekerja dengan baik, pemberian well given welfare, sustainability-related training, and pelatihan keberlanjutan, dan program peningkatan kapasitas capacity-building programs through the Community of melalui Community of Practice. Selain itu, Bank terus Practice. In addition, the Bank continues to develop social mengembangkan program-program sosial yang bertujuan programs aimed at fostering an inclusive and competitive menciptakan masyarakat yang inklusif dan berdaya saing, society, with a focus on improving social welfare and dengan fokus pada peningkatan kesejahteraan sosial serta supporting local communities. Through this approach, the dukungan bagi komunitas setempat. Melalui pendekatan Bank seeks to ensure that its presence delivers tangible ini, Bank berupaya memastikan bahwa kehadirannya added value—not only to customers but also to the broader memberikan nilai tambah yang nyata, tidak hanya bagi social environment. nasabah, tetapi juga bagi lingkungan sosial di sekitarnya. Pada pilar Governance, Bank menempatkan tata kelola Under the Governance pillar, the Bank positions sustainable berkelanjutan sebagai batasan dan pendorong utama governance as both a key limit and driver for effective ESG bagi implementasi ESG yang efektif. Sejalan dengan implementation. In line with technological developments perkembangan teknologi dan kebutuhan akan transparansi and the need for transparency and efficiency, the Bank serta efisiensi, Bank secara bertahap memperkuat is gradually strengthening its governance commitments komitmen tata kelola melalui digitalisasi proses dan sistem. through the digitization of processes and systems. This Langkah ini tidak hanya ditujukan untuk meningkatkan step is aimed not only at improving the quality of decision- kualitas pengambilan keputusan dan pengawasan, tetapi making and oversight, but also at building a more resilient, juga untuk membangun fondasi organisasi yang lebih accountable, and prepared organizational foundation for tangguh, akuntabel, dan siap menghadapi tantangan di future challenges. masa depan. Melalui integrasi prinsip ESG secara menyeluruh, Through the comprehensive integration of ESG Bank menegaskan komitmennya untuk tumbuh secara principles, the Bank emphasize its commitment to growing berkelanjutan, menciptakan nilai jangka panjang, serta sustainably, creating long-term value, and maintaining menjaga kepercayaan seluruh pemangku kepentingan. the trust of all stakeholders. This commitment serves Komitmen ini menjadi pijakan Bank dalam melangkah ke as the Bank’s foundation moving forward, ensuring depan, memastikan bahwa setiap inisiatif dan strategi that every initiative and strategy aligns with sustainable yang dijalankan selaras dengan tujuan pembangunan development goals and responsible banking practices. berkelanjutan dan praktik perbankan yang bertanggung jawab. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 419
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Kebijakan dan Strategi
Keberlanjutan [POJK51 A.1] [GRI 2-22, 2-23, 2-24]
Sustainability Policy and Strategy
Kebijakan Keberlanjutan
Sustainability Policy
Kebijakan Keberlanjutan Bank dirancang sebagai kerangka The Bank's Sustainability Policy is designed as a
kerja yang memastikan setiap aktivitas operasional dan framework to ensure that all operational activities and
pengembangan bisnis berjalan selaras dengan prinsip business development are aligned with the principles of
tanggung jawab lingkungan, penguatan kapabilitas environmental responsibility, strengthening human resource
sumber daya manusia, serta perluasan pembiayaan yang capabilities, and expanding financial support the transition
mendukung transisi menuju ekonomi hijau. Kebijakan ini to a green economy. This policy serves as a foundation
menjadi pijakan dalam mengarahkan perubahan perilaku for guiding changes in the Bank's operational behavior,
operasional Bank, sekaligus memperkuat peran Bank while strengthening its role as a long-term intermediary
sebagai lembaga intermediasi yang berorientasi jangka institution.
panjang.
Dalam implementasinya, Bank menetapkan fokus In its implementation, the Bank focuses its policy on
kebijakan pada pengurangan dampak lingkungan dari reducing the environmental impact of its daily operational
aktivitas operasional sehari-hari, peningkatan kompetensi activities, enhancing the competency of its employees
insan Bank melalui pembelajaran berkelanjutan, serta through sustainable learning, and developing a financing
pengembangan portofolio pembiayaan yang mendukung portfolio that supports environmentally sound business
praktik usaha berwawasan lingkungan. Melalui kebijakan practices. Through this policy, the Bank commits
ini, Bank menegaskan komitmen untuk tidak hanya tumbuh to growing not only financially but also socially and
secara finansial, tetapi juga bertanggung jawab secara environmentally responsible.
sosial dan lingkungan.
Fokus utama Kebijakan Keberlanjutan Bank meliputi: The main focuses of the Bank's Sustainability Policy
include:
• Penurunan indikator pemakaian listrik, kertas, botol • Reducing the use of electricity, paper, plastic beverage
minuman plastik, dan bahan bakar sebagai bagian dari bottles, and fuel as an efforts to reduce its operational
upaya pengurangan jejak lingkungan operasional; environmental footprint;
• Peningkatan frekuensi dan kualitas pelatihan • Increasing the frequency and quality of sustainable
berkelanjutan bagi insan Bank guna membangun training for Bank employees to build understanding
pemahaman dan kompetensi terkait keberlanjutan; and competency related to sustainability; and
serta
• Peningkatan produk pembiayaan hijau, sebagai • Improving green financing products, as the Bank's
dukungan Bank terhadap kegiatan usaha yang ramah support for environmentally friendly and sustainable
lingkungan dan berkelanjutan. business activities.
Strategi Keberlanjutan
Sustainability Strategy
Sebagai tindak lanjut dari kebijakan yang telah ditetapkan, As a follow-up to established policies, the Bank has
Bank merumuskan Strategi Keberlanjutan yang bersifat formulated a practical and measurable Sustainability
aplikatif dan terukur, dengan menitikberatkan pada Strategy, emphasizing operational efficiency, digital-based
efisiensi operasional, inovasi proses berbasis digital, process innovation, and strengthening the Bank’s role in
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serta penguatan peran Bank dalam pembiayaan hijau. green financing. This strategy is designed to ensure that
Strategi ini dirancang untuk memastikan bahwa komitmen sustainability commitments are not limited to policy but
keberlanjutan tidak berhenti pada tataran kebijakan, are consistently implemented in the Bank’s operations and
melainkan terimplementasi secara konsisten dalam business activities.
kegiatan operasional dan bisnis Bank.
Melalui strategi ini, Bank mendorong perubahan bertahap Through this strategy, the Bank is encouraging gradual
dan berkelanjutan, baik dalam pola konsumsi sumber daya and sustainable changes, both in internal resource
internal maupun dalam pendekatan pembiayaan kepada consumption patterns and in its financing approach to
nasabah korporasi. Digitalisasi menjadi salah satu enabler corporate customers. Digitalization is a key enabler, along
utama, seiring dengan upaya efisiensi dan penerapan with efficiency efforts and the application of circular
prinsip ekonomi sirkular dalam operasional Bank. economy principles in the Bank’s operations.
Strategi Keberlanjutan Bank mencakup: The Bank’s Sustainability Strategy includes:
• Implementasi efisiensi penggunaan kertas, air, dan • Implementing efficient use of paper, water, and fuel in
bahan bakar dalam seluruh aktivitas operasional Bank; all Bank operations;
• Pengkajian alternatif bahan bakar minyak yang • Studying more environmentally friendly alternative
lebih ramah lingkungan untuk mendukung kegiatan fuels to support the Bank’s operations;
operasional Bank;
• Peningkatan pengembangan aktivitas Bank berbasis • Increasing the development of digitalization-based
digitalisasi guna menurunkan ketergantungan Bank activities to reduce reliance on paper;
terhadap penggunaan kertas;
• Pemberian pembiayaan hijau kepada nasabah • Providing green financing to corporate customers,
korporasi, khususnya untuk mendukung proyek dan especially to support projects and business activities
kegiatan usaha yang berorientasi pada keberlanjutan oriented towards environmental sustainability; and
lingkungan; serta
• Peningkatan kegiatan reuse dan recycle dalam • Increasing reuse and recycling activities in the Bank’s
operasional Bank sebagai bagian dari penerapan operations as part of implementing circular economy
prinsip ekonomi sirkular. principles.
Strategi di atas tersebut merupakan strategi operasional The strategies are operational strategies applied in
yang diterapkan dalam kehidupan sehari-hari Bank, yang the Bank’s daily operations, that is designed to be
dirancang agar dapat diimplementasikan secara langsung implemented directly and consistently by all work units, so
dan konsisten oleh seluruh unit kerja, sehingga nilai that sustainability values are
truly internalized in the Bank’s
keberlanjutan benar-benar terinternalisasi dalam kegiatan operational activities.
operasional Bank.
Adapun untuk strategi keberlanjutan berskala besar dan For large-scale, medium- to long-term sustainability
jangka menengah hingga panjang, Bank menyusunnya strategies, the Bank develops them in a structured
secara terstruktur dan selaras dengan Rencana Aksi manner aligned with the Sustainable Finance Action
Keuangan Berkelanjutan (RAKB). RAKB menjadi kerangka Plan (RAKB). The RAKB serves as the primary strategic
strategis utama yang mengarahkan prioritas, target, serta framework that guides the Bank’s sustainability priorities,
inisiatif keberlanjutan Bank, termasuk pengembangan targets, and initiatives, including the development of green
pembiayaan hijau dan penguatan manajemen risiko financing and strengthening environmental and social risk
lingkungan dan sosial. Bank secara konsisten melakukan management. The Bank consistently reviews and refines the
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peninjauan dan penyempurnaan atas pelaksanaan strategi implementation of its sustainability strategies to ensure that
keberlanjutan guna memastikan inisiatif yang dijalankan the initiatives remain relevant and deliver optimal impact.
tetap relevan dan memberikan dampak yang optimal. Through this approach, the Bank strives to contribute to
Melalui pendekatan tersebut, Bank berupaya berkontribusi the achievement of the Sustainable Development Goals
terhadap pencapaian Tujuan Pembangunan Berkelanjutan (SDGs) while delivering long-term value for all stakeholders.
(SDGs) sekaligus menghadirkan nilai jangka panjang bagi
seluruh pemangku kepentingan.
Prioritas Penerapan Rencana Aksi Priorities for Implementing the 2025
Keuangan Keberlanjutan Tahun 2025 Sustainable Finance Action Plan
Bank telah menetapkan Rencana Aksi Keuangan The Bank has submitted a Sustainable Finance Action Plan
Berkelanjutan (RAKB) untuk periode 2026-2030 yang (RAKB) for the 2026-2030 period, which was submitted
telah disampaikan kepada regulator pada 30 November to regulators on November 30, 2025. Based on this
2025. Mengacu pada dokumen tersebut, pelaksanaan document, the implementation of the Bank’s Sustainable
program Keuangan Berkelanjutan Bank pada tahun 2025 Finance program in 2025 will focus on the following key
diarahkan pada beberapa fokus utama sebagai berikut: areas:
Program Pertama
1st Program Community of Practice (CoP)
Merupakan sebuah program untuk menampung & merealisasikan ide kreatif karyawan Bank dalam bentuk
Uraian Kegiatan action plan yang dapat diimplementasikan pada tahun selanjutnya.
Activity Description It is a program to accommodate and realize the creative ideas of Bank employees in the form of action plans
that can be implemented in the following year.
Sumber Daya Direksi, Kepala Divisi, Kepala Departemen, dan staff
Resources Board of Directors, Division Heads, Department Heads, and staff
Target Pencapaian Mendapatkan ide, produk atau jasa yang dapat meningkatkan kinerja bank secara berkelanjutan
Target Achievement To produce ideas, products, or services that can sustainably improve bank performance
1. CoP 2025 telah diselenggarakan sebanyak dua kali dengan total peserta kurang lebih 100 karyawan
Bank baik dari kantor cabang maupun kantor pusat.
2. Kegiatan diikuti oleh tiga kelompok dengan sub-tema bisnis dan empat kelompok non-bisnis. Ide dari
Realisasi pemenang dari kegiatan CoP ditinjau ulang oleh divisi terkait dan diakomodasi ke dalam RBB 2026.
Realization 1. CoP 2025 has been held twice, with a total of approximately 100 bank employees from both branch
offices and the head office participating.
2. The activity was attended by three groups with business sub-themes and four non-business groups.
The winning ideas from the CoP activities were reviewed by the relevant divisions and incorporated
into the 2026 Business Plan (RBB).
Periode Pelaksanaan Semester pertama dan kedua tahun 2025
Implementation Period First and second semester of 2025
Divisi yang
Strategic Planning Division
Bertanggung Jawab
Strategic Planning Division
Division in Charge
Tantangan:
• Partisipasi yang kurang dari karyawan untuk ikut dalam program ini.
• Kualitas laporan yang tidak sesuai dengan standard.
Strategi:
• Melakukan sosialisasi dan menyediakan benefit menarik untuk peserta dan pemenang.
Tantangan dan Strategi
• melakukan monitoring secara ketat setiap bulannya.
ke Depan
Future Challenges and
Challenges:
Strategies
• Low employee participation in the program.
• Substandard report quality.
Strategy:
• Conduct outreach and provide attractive benefits for participants and winners.
• Conduct close monthly monitoring.
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Program Kedua Melakukan Penggunaan Ulang Barang dan Furnitur Layak Guna antar Kantor Cabang dan Pusat
2nd Program Reusing Used Goods and Furniture Between Branches and Head Offices
Bank melakukan renovasi furniture yang layak guna untuk digunakan kembali di kantor pusat atau renovasi
Uraian Kegiatan kantor cabang dan pembukaan kantor cabang baru.
Activity Description The bank renovates used furniture for reuse at the head office, branch office renovations, and new branch
openings.
Sumber Daya Kepala Divisi, Kepala Cabang, staff
Resources Division Heads, Branch Managers, and staff
Target Pencapaian Mengurangi pembuangan perabotan layak pakai
Target Achievement Reducing the disposal of used furniture
Bank telah melakukan renovasi dan penggunaan total 41 barang dari KCP Kebon Jeruk ke KCP Tanjung
Duren, Cilegon, Gading Serpong, Bandung dengan total furnitur sebesar 41 barang dengan nilai barang
Realisasi
sebesar Rp276.98 juta Rupiah.
Realization
The Bank has renovated and transferred a total of 41 items from the Kebon Jeruk Branch Office to the
Tanjung Duren, Cilegon, Gading Serpong, and Bandung Branch Offices, with a total of 41 items valued at
IDR276.98 million.
Periode Pelaksanaan
2025
Implementation Period
Divisi yang
Divisi GA dan Tax
Bertanggung Jawab
GA and Tax Division
Division in Charge
Tantangan:
• Ketidaktersediaan furniture layak untuk digunakan kembali.
• Tidak ada tempat menampung furnitur daur ulang/ tidak ada permintaan.
Strategi:
• Monitoring lebih detail terkait data furniture cabang dan kantor pusat.
Tantangan dan Strategi
• Tidak dilakukan daur ulang furnitur.
ke Depan
Future Challenges and
Challenges:
Strategies
• Unavailability of reusable furniture.
• No space to store recycled furniture/no demand.
Strategies:
• More detailed monitoring of branch and head office furniture data.
• No furniture recycling.
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Tindak Lanjut Rencana Aksi Keuangan Follow-up of the Sustainable Finance
Keberlanjutan Action Plan
Bank secara berkelanjutan memperkuat kualitas The Bank continuously strengthens the quality of
implementasi keuangan berkelanjutan melalui mekanisme sustainable finance implementation through systematic
pengelolaan yang sistematis dan berkesinambungan. and sustainable management mechanisms. Through the
Melalui Rencana Aksi Keuangan Berkelanjutan (RAKB), Sustainable Finance Action Plan (RAKB), the Bank ensures
Bank memastikan bahwa arah strategi keberlanjutan that the sustainability strategy direction is integrated into all
terintegrasi ke dalam seluruh aktivitas dan proses operational activities and processes. The implementation
operasional. Penerapan RAKB dilaksanakan melalui of the RAKB is carried out through the following stages of
tahapan pengawasan, evaluasi, dan tindak lanjut sebagai monitoring, evaluation, and follow-up:
berikut:
1. Pengawasan 1. Supervision
Pelaksanaan RAKB dipantau secara rutin setiap bulan The implementation of the RAKB is monitored routinely
oleh Divisi yang bertanggung jawab atas masing- every month by the Division responsible for each
masing program, dengan dukungan Tim Penerapan program, with the support of the Sustainable Finance
Aksi Keuangan Berkelanjutan. Pengawasan ini Action Implementation Team. This supervision aims to
bertujuan untuk memonitor perkembangan setiap monitor the progress of each sustainability initiative
inisiatif keberlanjutan serta memastikan keselarasan and ensure alignment with established targets and
pelaksanaan dengan sasaran dan rencana yang telah plans.
ditetapkan.
2. Evaluasi 2. Evaluation
Bank melakukan evaluasi atas implementasi RAKB The Bank evaluates the implementation of the RAKB
secara triwulanan melalui Tim Penerapan Aksi quarterly through the Sustainable Finance Action
Keuangan Berkelanjutan. Hasil evaluasi tersebut Implementation Team. The results of these evaluations
dilaporkan kepada Direksi sebagai dasar untuk are reported to the Board of Directors as a basis for
memperoleh masukan, arahan strategis, dan obtaining input, strategic direction, and strengthening
penguatan langkah ke depan. future steps.
3. Tindak Lanjut 3. Follow-up
Sebagai bagian dari upaya penyempurnaan As part of its continuous improvement efforts, the Bank
berkelanjutan, Bank menindaklanjuti hasil pengawasan follows up on the results of monitoring and evaluation
dan evaluasi untuk memastikan efektivitas pelaksanaan to ensure the effectiveness of RAKB implementation.
RAKB. Tindak lanjut tersebut dilakukan melalui: This follow-up is as follows:
a. Pemberian apresiasi terhadap program yang a. Providing appreciation for programs that
berhasil mencapai target serta memberikan successfully achieve their targets and have a
dampak positif sesuai perencanaan; positive impact according to plan;
b. Peninjauan kembali terhadap program yang belum b. Reviewing programs that have not been running
berjalan optimal guna merumuskan perbaikan dan optimally to formulate improvements and more
strategi yang lebih tepat sasaran; dan targeted strategies; and
c. Melakukan sosialisasi program program yang c. Disseminating information about programs that
berjalan dengan baik, untuk menjaga keberlajutan are running well to ensure their sustainability
program kedepanya. going forward.
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Ikhtisar Kinerja Keberlanjutan
Highlights of Sustainability Performance
Kinerja Aspek Ekonomi [POJK51 B.1]
Economic Performance Highlights
Deskripsi Satuan
2025 2024 2023
Description Unit
Kuantitas produk atau Jasa yang Dijual Produk
3* 3* 3*
Quantity of Products or Services Sold Product
Pendapatan Bunga Bersih
569,61 581,24 487,28
Net Interest Income
Laba Bersih
197,43 215,85 183,30
Net Profit
Jumlah Aset
23.406,74 20.061,62 19.377,40
Total Assets
Rp miliar
Jumlah Liabilitas IDR billion 17.591,67 14.482,11 14.008,72
Total Liabilities
Jumlah Ekuitas
5.815,07 5.579,51 5.386,68
Total Equity
Jumlah Pembiayaan UMKM
2.034,19 1.763,11 1.484,10
Total Funding for MSME
Produk Ramah Lingkungan | Environmentally Friendly Products
Debitur yang Memiliki Usaha dalam Portofolio Hijau Produk
3 3 3
Debtors with Green Portfolio Business Product
Nilai Pembiayaan Rp miliar
403,14 403,14 403,14
Financing Value IDR billion
Pelibatan Pihak Lokal | Local Parties Engagement
Jumlah Pemasok Lokal** Pemasok
139 136 132
Number of Local Suppliers** Suppliers
Persentase Pemasok Lokal dibandingkan Pemasok
Non Lokal % 85,28 84,47 84,08
Percentage of Local Suppliers to Non-Local Suppliers
* Produk atau jasa yang disediakan Bank terdiri atas segmen produk simpanan, kredit, dan bancassurance.
* The products or services provided by the Bank consist of savings, loans, and bancassurance product segments.
** Lokal didefinisikan yang berada di wilayah Indonesia.
** Local is defined as being in the territory of Indonesia.
Kinerja Aspek Lingkungan [POJK51 B.2]
Environmental Aspect Performance
Deskripsi Satuan
2025 2024 2023
Description Unit
Penggunaan Energi | Energy Usage
Penggunaan Bensin
154.158 172.316 161.835
Gasoline Fuel Usage
Liter
Penggunaan Solar
8.954 17.289 13.963
Diesel Fuel Usage
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Deskripsi Satuan
2025 2024 2023
Description Unit
Penggunaan Listrik*
kWh 1.788.351 2.567.625 2.276.656
Electricity Usage*
Jumlah Penggunaan Energi
GJ 11.856 15.582 14.066
Total Energy Usage
Intensitas Energi
0,0086 0,0268 0,0289
Energy Intensity GJ/Rp Juta
Penambahan/(Pengurangan) Energi GJ/IDR million
0,0182 0,0021 0,0026
Energy Addition/(Reduction)
Penggunaan Air | Water Usage
Jumlah Penggunaan Air
m3 8.364 8.311 8.530
Total Water Usage
Intensitas Air
0,0061 0,0143 0,0175
Water Intensity m3/Rp Juta
Penambahan/(Pengurangan) Penggunaan Air m3/IDR million
0,0082 0,0032 0,0007
Water Usage Addition/(Reduction)
Emisi GRK | GHG Emission
Jumlah Emisi GRK Cakupan 1 dan Cakupan 2
TonCO2Eq 1.791,65 2.858,37 2.551,77
Scope 1 and Scope 2 GHG Emissions
Intensitas Emisi GRK Cakupan 1 dan Cakupan 2
0,0013 0,0049 0,0052
Scope 1 and Scope 2 GHG Emission Intensity TonCO2Eq/Rp
Penambahan/(Pengurangan) Emisi GRK Cakupan 1 Juta
dan Cakupan 2 TonCO2Eq/
IDR million 0,0036 0,0003 0,0007
Scope 1 and Scope 2 GHG Emission Increases/
(Reductions)
Limbah | Waste
Bank belum melakukan pengukuran kuantitatif terhadap total volume limbah yang
Penambahan/(Pengurangan) Limbah yang Dihasilkan dihasilkan dari kegiatan operasional hingga akhir tahun 2025.
Increase/(Decrease) in Waste Generated The Bank has not yet conducted a quantitative assessment of the total volume of
waste generated from its operations through the end of 2025.
Pelestarian Keanekaragaman Hayati | Biodiversity Conservation
Sebagai institusi jasa keuangan, operasional Bank tidak memiliki dampak langsung
yang signifikan terhadap lingkungan maupun keanekaragaman hayati. Meskipun
demikian, Bank tetap menunjukkan komitmen dalam pelestarian lingkungan
melalui berbagai inisiatif yang berfokus pada pengurangan jejak lingkungan secara
tidak langsung seperti efisiensi penggunaan energi dan kertas, digitalisasi layanan
untuk meminimalkan penggunaan sumber daya, serta peningkatan kesadaran
lingkungan di kalangan karyawan. Pada tahun 2025, Bank juga melakukan
penanaman 2.000 bibit mangrove, pembersihan sampah di area pesisir, serta
menyerahkan bantuan satu unit kano kepada pengelola ekowisata Mangrove Batu
Program Pelestarian Lingkungan
Lumbung, Desa Pemogan, Denpasar Selatan, Kota Denpasar.
Environmental Conservation Program
As a financial services institution, the Bank’s operations do not have a significant
direct impact on the environment or biodiversity. Nevertheless, the Bank remains
committed to environmental conservation through various initiatives focused on
reducing its indirect environmental footprint, such as improving energy and paper
efficiency, digitizing services to minimize resource use, and raising environmental
awareness among employees. In 2025, the Bank also planted 2,000 mangrove
seedlings, conducted coastal cleanup activities, and donated one canoe to the
managers of the Mangrove Batu Lumbung ecotourism site in Pemogan Village,
South Denpasar, Denpasar City.
* Kantor Pusat dan Kantor Cabang.
* Head Office and Branch Office
426 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Keberlanjutan • Sustainability Report
Kinerja Aspek Sosial [POJK51 B.3]
Social Aspect Performance
Deskripsi Satuan
2025 2024 2023
Description Unit
Jumlah Karyawan Orang
593 604 573
Total Employees Employees
Biaya Pelatihan Rp Juta
6.609 5.575 4.401
Training Cost IDR million
Perputaran Karyawan Rata-rata Bulanan
% 1,08 1,47 1,29
Turnover Monthly Average
Kinerja Aspek Tata Kelola
Governance Aspect Performance
10 593 139
Kepada Badan
Tata Kelola
Kepada Karyawan
To Employees
Kepada Pemasok
To Suppliers
To the Governance Body
Komunikasi dan Kebijakan Prosedur Anti Korupsi
Anti-Corruption Communication and Procedure Policy
4 Kepada Karyawan
To Employees
Pelatihan Anti Korupsi
Anti-Corruption Training
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Laporan Keberlanjutan • Sustainability Report Tentang Laporan Keberlanjutan [GRI 2-2, 2-3, 2-4] About the Sustainability Report Laporan Keberlanjutan disusun sebagai sarana Bank untuk The Sustainability Report is conducted as a facilitation for mengkomunikasikan pelaksanaan komitmen terhadap Bank communicates its commitment toward responsible praktik usaha yang bertanggung jawab dan berorientasi and sustainable business practices. Through this report, pada keberlanjutan. Melalui laporan ini, Bank menguraikan the Bank describes various programs, initiatives, and beragam program, inisiatif, serta capaian pada aspek achievements in environmental, social, and governance lingkungan, sosial, dan tata kelola yang dijalankan sepanjang aspects implemented throughout 2025. This report covers tahun 2025. Laporan ini mencakup seluruh entitas yang all entities under the Bank’s control and is consolidated berada di bawah kendali Bank dan dikonsolidasikan selaras in line with its financial statements and there were no dengan laporan keuangan dan tidak terdapat penyajian restatements. The sixth Sustainability Report publication kembali. Penerbitan Laporan Keberlanjutan keenam ini reflects the Bank’s efforts to strengthen corporate juga mencerminkan upaya berkelanjutan Bank dalam governance by enhancing transparency and accountability memperkuat tata kelola perusahaan melalui peningkatan across all levels of the organization. In line with this, the transparansi dan akuntabilitas di seluruh lapisan organisasi. implementation of quarterly RAKB evaluations is a crucial Sejalan dengan hal tersebut, pelaksanaan evaluasi part of ensuring that each implemented initiative remains RAKB secara triwulanan menjadi bagian penting dalam aligned with established targets and provides tangible memastikan setiap inisiatif yang dijalankan tetap selaras added value. The report covers the period from January 1 dengan sasaran yang telah ditetapkan dan memberikan to December 31, 2025, is published annually and aligned nilai tambah yang nyata. Laporan ini mencakup periode with the financial reporting period, released on April 2026. 1 Januari hingga 31 Desember 2025, diterbitkan Thus, this report serves not only as a medium for delivering secara tahunan dan selaras dengan periode laporan information to stakeholders, but also as an instrument keuangan, dipublikasikan pada bulan April 2026. Dengan for learning and improvement to strengthen the Bank’s demikian, laporan ini tidak hanya berperan sebagai media sustainability performance in the future. penyampaian informasi kepada pemangku kepentingan, tetapi juga sebagai instrumen pembelajaran dan perbaikan berkelanjutan untuk memperkuat kinerja keberlanjutan Bank di masa mendatang. Pedoman Pelaporan Reporting Guidelines Penyusunan Laporan Keberlanjutan Bank mengacu The Bank’s Sustainability Report is prepared in accordance pada ketentuan POJK No. 51/POJK.03/2017 tentang with OJK Regulation No. 51/POJK.03/2017 regarding Penerapan Keuangan Berkelanjutan bagi Lembaga the Implementation of Sustainable Finance for Financial Keuangan, Emiten, dan Perusahaan Publik serta Institutions, Issuers, and Public Companies, as well as Standar internasional Global Reporting Initiative 2021 the Global Reporting Initiative 2021 (GRI Standards) (GRI Standards) dengan kesesuaian. Regulasi tersebut international standards with “with reference”. These menjadi rujukan utama dalam menetapkan standar, prinsip, regulations serve as the primary reference for establishing dan cakupan pelaporan, sehingga informasi yang disajikan reporting standards, principles, and scope, thus the mampu menggambarkan komitmen serta kinerja Bank information is presented accurately reflects the Bank’s pada aspek lingkungan, sosial, dan tata kelola. Kepatuhan commitment to and performance in environmental, social, terhadap regulasi ini mencerminkan kesungguhan Bank and governance aspects. Compliance on these regulations dalam mendukung implementasi keuangan berkelanjutan reflects the Bank’s commitment to supporting the sekaligus berkontribusi pada penguatan sistem keuangan implementation of sustainable finance while contributing to yang bertanggung jawab. strengthening a responsible financial system. 428 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Keberlanjutan • Sustainability Report
Penentuan Isi Laporan [GRI 3-1]
Determining The Report Content
Penetapan konten Laporan Keberlanjutan dilakukan dengan The content of the Sustainability Report was determined
mengedepankan prinsip materialitas dan relevansi, agar by prioritizing the principles of materiality and relevance,
informasi yang diungkapkan benar-benar mencerminkan isu- ensuring that the information disclosed truly reflects the
isu utama yang berpengaruh terhadap kinerja keberlanjutan key issues impacting the Bank’s sustainability performance
Bank dan menjadi perhatian pemangku kepentingan. and of concern to stakeholders. Based on POJK No. 51/
Dengan berlandaskan POJK No. 51/POJK.03/2017 dan POJK.03/2017 and the Global Reporting Initiative 2021
Global Reporting Initiative 2021 (GRI Standards), laporan (GRI Standards), this report is prepared to provide a
ini disusun untuk memberikan gambaran yang komprehensif comprehensive overview of the Bank’s efforts, challenges,
mengenai upaya, tantangan, dan capaian Bank dalam and achievements in achieving sustainability during the
mewujudkan keberlanjutan selama periode pelaporan. reporting period.
Prinsip-prinsip yang digunakan dalam menentukan isi The principles used in determining the report content
laporan meliputi: include:
• Keterlibatan Pemangku Kepentingan • Stakeholder Involvement
Bank melibatkan pemangku kepentingan dalam The Bank involves stakeholders in the report
proses penyusunan laporan, mulai dari penentuan preparation process, from topic determination to
topik hingga pemberian masukan atas laporan yang providing input on the published report.
telah diterbitkan.
• Konteks Keberlanjutan • Sustainability Context
Laporan mencakup isu-isu keberlanjutan yang relevan The report covers sustainability issues relevant to the
dengan karakteristik dan kegiatan usaha Bank. Bank’s characteristics and business activities.
• Materialitas • Materiality
Pengungkapan difokuskan pada isu dan aspek Disclosures focus on material issues and aspects that
material yang dibutuhkan pemangku kepentingan stakeholders need in decision-making.
dalam pengambilan keputusan.
• Kelengkapan • Completeness
Informasi disajikan dengan cakupan dan periode Information is presented with a clear scope and
pelaporan yang jelas serta didukung data yang reporting period, supported by adequate data.
memadai.
Topik yang diungkapkan dalam laporan ini telah ditetapkan The topics covered in this report were determined by a
melalui proses evaluasi yang cermat sebelum penyusunan through evaluation process prior to the report’s preparation.
laporan dimulai. Untuk memastikan keterwakilan perspektif To ensure the representation of stakeholder perspectives,
pemangku kepentingan, Bank menyelenggarakan forum the Bank held an internal forum to identify relevant
internal guna mengidentifikasi isu-isu keberlanjutan sustainability issues. This approach enabled the Bank to
yang relevan. Pendekatan ini memungkinkan Bank accommodate diverse perspectives on environmental,
mengakomodasi berbagai sudut pandang terkait aspek social, economic, and governance aspects, ensuring that
lingkungan, sosial, ekonomi, dan tata kelola, sehingga the report is inclusive, accurate, and relevant.
laporan yang disusun bersifat inklusif, akurat, dan relevan.
Selanjutnya, proses penentuan isi Laporan Keberlanjutan Moreover, the process of determining the content of the
dilakukan melalui tahapan berikut: Sustainability Report is carried out through the following
stages:
• Identifikasi topik yang relevan; • Identification of relevant topics;
• Pengujian materialitas atas aspek dan topik terpilih; • Materiality testing of selected aspects and topics;
• Validasi ketersediaan dan kelengkapan data; serta • Validation of data availability and completeness; and
• Peninjauan akhir atas aspek dan topik yang akan • Final review of the aspects and topics to be disclosed.
diungkapkan.
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Laporan Keberlanjutan • Sustainability Report
Topik Material dan Batasan Laporan [GRI 3-2]
Material Topics and Report Limitations
Berdasarkan proses penentuan konten tersebut, Bank Based on the content determination process, the Bank
telah mengidentifikasi aspek-aspek material melalui has identified material aspects through an analysis which
analisis yang melibatkan pemangku kepentingan yang involving stakeholders significantly impacted, both directly
terdampak secara signifikan, baik secara langsung and indirectly, by the Bank’s business activities. In 2025,
maupun tidak langsung oleh kegiatan usaha Bank. the number and list of material topics disclosed remained
Pada tahun 2025, jumlah dan daftar topik material yang unchanged compared to the previous year, with three
diungkapkan tidak mengalami perubahan dibandingkan topics: Economic Performance, Employment Practices,
tahun sebelumnya, yaitu sebanyak tiga topik yaitu Kinerja and Commitment to Customers. This approach ensures
Ekonomi, Praktik Ketenagakerjaan, dan Komitmen kepada that each topic discussed is highly relevant and has a
Nasabah. Pendekatan ini memastikan bahwa setiap topik significant impact on stakeholders.
yang dibahas memiliki relevansi tinggi dan dampak yang
signifikan bagi pemangku kepentingan.
Daftar Aspek Pelaporan yang Material
List of Material Reporting Aspects
Batasan
Aspek Material Alasan Bersifat Material Limitation
Material Aspects Material Reasons Di Dalam Bank Di Luar Bank
Inside the Bank Outside the Bank
Kinerja ekonomi yang solid menjadi penopang utama
keberlangsungan operasional dan ketahanan keuangan
Bank, sekaligus mendukung penerapan manajemen
risiko yang lebih terukur. Fondasi kinerja yang kuat turut
memperkuat tingkat kepercayaan nasabah terhadap
perlindungan data dan reputasi Bank, sehingga
Kinerja Ekonomi mendorong minat yang lebih besar dari nasabah maupun
Economic Performance investor. √ √
Solid economic performance is a key pillar of the Bank's
operational sustainability and financial resilience, while
also supporting the implementation of more measured
risk management. A strong performance foundation
contributes to strengthening customer trust in the Bank's
data protection and reputation, thus encouraging greater
interest from both customers and investors.
Penerapan praktik ketenagakerjaan yang sehat
dan bertanggung jawab berperan penting dalam
meningkatkan efektivitas kerja serta produktivitas
karyawan. Lingkungan kerja yang adil dan inklusif
tidak hanya berkontribusi pada kinerja keuangan
Bank, tetapi juga memperkuat tingkat kepuasan dan
loyalitas karyawan, sehingga mendukung keberlanjutan
Praktik Ketenagakerjaan
organisasi. √ √
Employment Practices
The implementation of healthy and responsible
employment practices plays a crucial role in improving
employee effectiveness and productivity. A fair and
inclusive work environment not only contributes to the
Bank's financial performance but also strengthens
employee satisfaction and loyalty, thus supporting
organizational sustainability.
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Laporan Keberlanjutan • Sustainability Report
Batasan
Aspek Material Alasan Bersifat Material Limitation
Material Aspects Material Reasons Di Dalam Bank Di Luar Bank
Inside the Bank Outside the Bank
Melalui penyediaan layanan yang andal dan berorientasi
pada kebutuhan nasabah, Bank membangun hubungan
jangka panjang yang saling menguntungkan. Konsistensi
dalam menjaga kualitas layanan dan kepuasan nasabah
Komitmen kepada turut memperkuat citra Bank, sekaligus membuka
Nasabah peluang untuk memperluas basis nasabah di masa
√ √
Commitment to mendatang.
Customers By providing reliable, customer-oriented services, the
Bank builds long-term, mutually beneficial relationships.
Consistently maintaining service quality and customer
satisfaction strengthens the Bank's image and opens up
opportunities to expand its customer base in the future.
Verifikasi dari Pihak Independen [POJK51-G.1] [GRI 2-5]
Verification from Independent Parties
Laporan Keberlanjutan ini tidak dilakukan verifikasi oleh This Sustainability Report has not been verified by an
penyedia jasa assurance independen. Namun demikian, independent assurance provider. However, the Bank
Bank memastikan bahwa seluruh informasi yang disajikan ensures that all information presented has undergone
telah melalui proses internal yang memadai dan disusun adequate internal processes and is compiled accurately,
secara akurat, benar, serta dapat dipertanggungjawabkan. truthfully, and accountably.
Tanggapan atas Lembar Umpan Balik Laporan Tahun Sebelumnya [POJK51-G.3]
Response to The Feedback Sheet of The Previous Year’s Report
Sehubungan dengan Laporan Keberlanjutan tahun In relation to the previous year’s Sustainability Report, the
sebelumnya, Bank tidak menerima umpan balik dari Bank did not receive any feedback from stakeholders, so
pemangku kepentingan, sehingga tidak terdapat tanggapan there is no specific response that can be conveyed in this
khusus yang dapat disampaikan pada laporan ini. report.
Kontak Kami [GRI 2-3]
Contact Us
Untuk memperoleh informasi lebih lanjut mengenai Laporan For further information regarding the Sustainability Report
Keberlanjutan atau klarifikasi atas isi laporan, pemangku or clarification on its contents, stakeholders can contact:
kepentingan dapat menghubungi:
PT Bank IBK Indonesia Tbk PT Bank IBK Indonesia Tbk
Kantor Pusat: Head Office:
Wisma GKBI Suite UG-01 Wisma GKBI Suite UG-01
Jl. Jend. Sudirman No. 28 Jl. Jend. Sudirman No. 28
Jakarta Pusat 10210, Indonesia Jakarta Pusat 10210, Indonesia
Contact Center: Contact Center:
(021) 5790 8888/(021) 5790 6888 (021) 5790 8888/(021) 5790 6888
Email : corsec@ibk.co.id Email : corsec@ibk.co.id
Website : www.ibk.co.id Website : www.ibk.co.id
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 431
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Laporan Keberlanjutan • Sustainability Report Tata Kelola Keberlanjutan Sustainability Governance Struktur Tata Kelola Keberlanjutan Sustainability Governance Structure Tata kelola keberlanjutan di Bank diterapkan secara The Bank consistently implements sustainability konsisten dan berkesinambungan untuk memastikan governance to ensure that all operational activities bahwa seluruh aktivitas operasional Bank berjalan selaras align with sustainability principles. This governance dengan prinsip-prinsip keberlanjutan. Penerapan tata framework is designed not only to comply with regulatory kelola ini tidak hanya ditujukan untuk memenuhi kepatuhan requirements but also to strengthen business resilience terhadap ketentuan regulator, tetapi juga untuk membangun and create long-term value for stakeholders through the ketahanan usaha dan menciptakan nilai jangka panjang integration of Environmental, Social, and Governance bagi pemangku kepentingan melalui integrasi aspek (ESG) considerations into planning, implementation, and Lingkungan, Sosial, dan Tata Kelola (ESG) dalam proses decision-making processes. perencanaan, pelaksanaan, serta pengambilan keputusan. Untuk mewujudkan komitmen tersebut, Bank To support this commitment, the Bank has established mengembangkan struktur tata kelola keberlanjutan yang a sustainability governance structure underpinned by didukung oleh mekanisme evaluasi, pengawasan, dan measurable and transparent evaluation, monitoring, and pelaporan yang terukur dan transparan. Peran Direksi reporting mechanisms. The Board of Directors and the dan Dewan Komisaris menjadi elemen kunci dalam Board of Commissioners play a critical role in ensuring memastikan arah kebijakan dan strategi keberlanjutan that sustainability policies and strategies remain aligned tetap selaras dengan prioritas bisnis, profil risiko, serta with business priorities, risk profiles, and stakeholder ekspektasi pemangku kepentingan. Melalui pengawasan expectations. Through active oversight, both boards yang aktif, Direksi dan Dewan Komisaris melakukan conduct regular reviews of policies, targets, and the peninjauan berkala atas kebijakan, target, serta efektivitas effectiveness of sustainability program implementation implementasi program keberlanjutan di seluruh unit kerja. across all work units. Dalam pelaksanaannya, tata kelola keberlanjutan Bank In practice, the Bank’s sustainability governance also juga menekankan keterlibatan pemangku kepentingan emphasizes stakeholder engagement as a key component (stakeholder engagement) sebagai bagian dari proses of policy and program alignment. The Bank proactively penyelarasan kebijakan dan program. Bank secara proaktif facilitates dialogue and communication forums with memfasilitasi forum dialog dan komunikasi (baik dengan both internal and external stakeholders to gather input, pemangku kepentingan internal maupun eksternal) untuk identify needs, and ensure that material issues and menghimpun masukan, memetakan kebutuhan, serta stakeholder expectations are reflected in the planning and memastikan bahwa isu-isu material dan ekspektasi para implementation of sustainability initiatives. pemangku kepentingan tercermin dalam perencanaan dan pelaksanaan inisiatif keberlanjutan. Ruang lingkup tata kelola keberlanjutan mencakup The scope of sustainability governance includes the penyusunan dan penerapan kebijakan yang mendukung development and implementation of policies that support pengelolaan risiko lingkungan dan sosial, peningkatan environmental and social risk management, enhance transparansi informasi, serta pelaksanaan tanggung jawab information transparency, and strengthen corporate sosial perusahaan. Bank juga mengarahkan penguatan social responsibility practices. The Bank also focuses on 432 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Keberlanjutan • Sustainability Report
tata kelola pada upaya membangun disiplin pelaporan dan reinforcing governance through disciplined reporting and
pengendalian internal agar setiap program keberlanjutan robust internal controls, enabling the monitoring of the
dapat dipantau capaian dan dampaknya, sekaligus menjadi performance and impact of each sustainability program
dasar perbaikan berkelanjutan (continuous improvement). while supporting continuous improvement.
Melalui kerangka tata kelola yang menyeluruh tersebut, Through this comprehensive governance framework, the
Bank memastikan bahwa keberlanjutan tidak berhenti pada Bank ensures that sustainability is not merely a formality
pemenuhan formalitas, melainkan terinternalisasi sebagai but is internalized as part of its values and
work culture.
bagian dari nilai dan budaya kerja. Dengan demikian, Thus, sustainability initiatives are expected to support
inisiatif keberlanjutan diharapkan dapat mendukung operational continuity, improve the quality of decision-
keberlangsungan operasional, meningkatkan kualitas making, and encourage the Bank’s contribution to the
pengambilan keputusan, serta mendorong kontribusi Bank sustainable development agenda in a more tangible and
terhadap agenda pembangunan berkelanjutan secara lebih measurable manner.
nyata dan terukur.
Penanggung Jawab Penerapan Keuangan Berkelanjutan [POJK51-E.1] [GRI 2-14]
Person in Charge for Sustainable Finance Implementation
Penanggung jawab penerapan keuangan berkelanjutan The responsibility for implementing sustainable finance
di lingkungan Bank melekat pada seluruh organ Bank, within the Bank extends across all Bank organs, ensuring
sehingga setiap fungsi turut berperan aktif dalam that each function actively contributes to the achievement
pencapaian sasaran keberlanjutan. Secara struktural, of sustainability targets. Structurally, sustainable finance
penerapan keuangan berkelanjutan berada di bawah implementation falls under the oversight of the President
tanggung jawab Presiden Direktur sebagai Direktur yang Director, with operational execution coordinated by the
membawahi implementasi keuangan berkelanjutan, dengan Financial Group Head, who reports directly to the Board
pelaksanaan operasional dikoordinasikan oleh Financial of Directors.
Group Head sebagai penanggung jawab di bawah Direksi.
Dalam rangka memperkuat koordinasi lintas fungsi dan To strengthen cross-functional coordination and ensure the
memastikan pelaksanaan Aksi Keuangan Berkelanjutan effective and measurable implementation of sustainable
berjalan secara efektif dan terukur, Perseroan membentuk finance initiatives, the Bank has established a Sustainable
Tim Penerapan Aksi Keuangan Berkelanjutan (Tim Finance Action Implementation Team (Sustainable Finance
Sustainable Finance) sebagaimana ditetapkan dalam Team), as stipulated in Board of Directors Decree No.
Keputusan Direksi SKEP No. 004/DIR/X/25 tanggal 18 004/DIR/X/25 dated October 18, 2025, concerning
Oktober 2025 tentang Perubahan Tim Penerapan Aksi amendments to the Sustainable Finance Action
Keuangan Berkelanjutan. Dalam keputusan tersebut, Implementation Team. Under this decree, the Financial
Financial Group Head ditunjuk sebagai Koordinator Tim, Group Head is appointed as Team Coordinator, with
dengan anggota yang berasal dari fungsi-fungsi kunci Bank members representing key functions related to planning,
yang terkait langsung dengan perencanaan, operasional, operations, risk management, compliance, and reporting.
pengelolaan risiko, kepatuhan, serta pelaporan.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 433
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Laporan Keberlanjutan • Sustainability Report Sebagai Koordinator Tim, Kepala Group Finance memiliki As Team Coordinator, the Financial Group Head is tugas dan tanggung jawab utama untuk melakukan responsible for coordinating with relevant divisions in koordinasi dengan divisi-divisi terkait dalam pengembangan developing initiatives and preparing the Sustainable ide dan penyusunan Rencana Aksi Keuangan Berkelanjutan Finance Action Plan (RAKB) and the Sustainability (RAKB) serta Laporan Keberlanjutan, sekaligus memastikan Report, while ensuring that implementation aligns with the realisasi penerapan keuangan berkelanjutan berjalan sesuai approved RAKB. In addition, the Financial Group Head dengan rencana yang telah ditetapkan dalam RAKB. Selain provides direction to the Head of the General Affairs & itu, Kepala Group Finance memberikan arahan kepada Budget Division and the Head of the Financial Accounting Kepala Divisi General Affairs & Budget serta Kepala Divisi & Reporting Division to conduct regular coordination Financial Accounting & Reporting untuk menyelenggarakan meetings—at least once every three months—with relevant pertemuan koordinasi secara berkala, minimal 3 (tiga) divisions to monitor and evaluate RAKB implementation. bulan sekali, bersama divisi-divisi terkait guna memantau dan mengevaluasi implementasi RAKB. Melalui struktur penanggung jawab yang jelas, komposisi Through a clear governance structure, cross-functional lintas fungsi, serta mekanisme koordinasi yang terjadwal, composition, and structured coordination mechanisms, Bank memastikan bahwa prinsip-prinsip keuangan the Bank ensures that sustainable finance principles are berkelanjutan terintegrasi dalam proses bisnis dan aktivitas integrated into daily business processes and operational operasional sehari-hari, dengan garis pertanggungjawaban activities, with clear accountability to the Board of yang kuat kepada Direksi. Tim Sustainable Finance juga Directors. The Sustainable Finance Team also maintains membangun komunikasi dengan Dewan Komisaris sebagai communication with the Board of Commissioners as part bagian dari mekanisme pengawasan, guna memperoleh of its oversight framework, to obtain strategic direction arahan dan umpan balik strategis sehingga kebijakan and feedback, ensuring that the Bank’s sustainable dan implementasi keuangan berkelanjutan Perseroan finance policies and implementation remain aligned with senantiasa selaras dengan tata kelola yang baik dan target good governance practices and long-term sustainability keberlanjutan jangka panjang. objectives. Pengembangan Kompetensi Terkait Keuangan Berkelanjutan [POJK51-E.2] [IDX G-05] [GRI 2-17] Sustainable Finance Competency Development Bank memiliki kebijakan untuk secara konsisten The Bank is committed to consistently conducting training menyelenggarakan program pelatihan dan pengembangan and competency development programs for employees at kompetensi bagi karyawan di seluruh jenjang organisasi, all levels, with a focus on strengthening understanding of dengan penekanan pada penguatan pemahaman atas ESG principles. Through these capacity-building initiatives, prinsip-prinsip ESG. Melalui pengembangan kapasitas the Bank enhances employees’ readiness to identify ini, Bank mendorong kesiapan insan Bank dalam sustainability issues, manage ESG-related risks and mengidentifikasi isu keberlanjutan, mengelola risiko dan opportunities, and implement more responsible business peluang terkait ESG, serta menerapkan praktik bisnis yang practices. lebih bertanggung jawab. Penguatan kompetensi ESG juga diarahkan untuk Strengthening ESG competencies also aims to ensure memastikan strategi keberlanjutan dapat diimplementasikan that sustainability strategies are effectively implemented secara efektif dan terintegrasi dalam proses kerja sehari- and integrated into daily work processes. This supports hari. Dengan demikian, berbagai aktivitas operasional, the alignment of operational activities, decision-making, pengambilan keputusan, dan pelaksanaan program and program implementation with long-term sustainability kerja dapat berjalan selaras dengan tujuan keberlanjutan objectives and the Bank’s overall sustainability targets. jangka panjang, sekaligus mendukung pencapaian target keberlanjutan Bank secara menyeluruh. 434 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Keberlanjutan • Sustainability Report
Adapun informasi mengenai program pengembangan The following outlines the competency development
kompetensi yang diikuti oleh karyawan Bank diuraikan programs undertaken by Bank employees:
sebagai berikut:
Program Pengembangan Kompetensi terkait Keuangan Berkelanjutan yang diikuti
oleh Dewan Komisaris dan Direksi
Competency Development Programs on Sustainable Finance for the Board of Commissioners and
the Board of Directors
Jenis Pelatihan Penyelenggara Peserta
No.
Type of Training Organizer Participant
Oh In Taek
1 Sustainable Financing Bank IBK Indonesia
Presiden Direktur | President Director
Park Jin Je
2 Sustainable Financing Bank IBK Indonesia
Direktur Kredit | Credit Director
Alexander Frans Rori
3 Sustainable Financing Bank IBK Indonesia
Direktur Kepatuhan | Director of Compliance
Edwin Rudianto
4 Sustainable Financing Bank IBK Indonesia
Direktur Bisnis | Business Director
Andreas Mikhael Sumual
5 Sustainable Financing Bank IBK Indonesia
Direktur Operasional | Operational Director
Program Pengembangan Kompetensi terkait Keuangan Berkelanjutan yang diikuti
oleh Tim Penanggung Jawab Keuangan Berkelanjutan
Competency Development Programs on Sustainable Finance for the Sustainable Finance Team
Jenis Pelatihan Penyelenggara Jumlah Peserta
No.
Type of Training Organizer Total Participants
1 Climate Risk Management & Scenario Analyst (CRMS) Bank IBK Indonesia 26
2 Climate Risk Management & Scenario Analyst (CRMS) Key-Pro Consulting 4
3 Sustainable Financing Bank IBK Indonesia 591
Keberagaman Manajemen dan Independensi
Management Diversity and Independence
Bank meyakini bahwa keberagaman pada tingkat tata kelola The Bank recognizes that diversity at the governance level
merupakan prasyarat penting untuk memperkuat kualitas is a key factor in enhancing the quality of decision-making,
pengambilan keputusan, memperluas sudut pandang dalam broadening perspectives in setting strategic direction, and
penetapan arah strategis, serta memastikan pengawasan ensuring effective oversight of the sustainability agenda.
yang efektif terhadap pelaksanaan agenda keberlanjutan. In this context, the gender composition of the Board is
Dalam hal ini, komposisi gender pada Dewan dipantau monitored as an indicator to promote more balanced
sebagai salah satu indikator untuk mendorong keterwakilan representation, enabling more comprehensive and adaptive
yang lebih berimbang, sehingga kebijakan, pengelolaan approaches to policy-making, risk management, and ESG-
risiko, dan respons terhadap isu-isu ESG dapat dilakukan related responses.
secara lebih komprehensif dan adaptif.
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Sejalan dengan itu, pemantauan komposisi gender Dewan Accordingly, monitoring the Board’s gender composition
juga menjadi bagian dari komitmen Bank dalam membangun forms part of the Bank’s commitment to fostering an
budaya tata kelola yang inklusif dan menjunjung prinsip inclusive governance culture and upholding the principle
kesetaraan kesempatan dalam kepemimpinan. Upaya ini of equal opportunity in leadership. This approach supports
mendukung terciptanya proses pengambilan keputusan more representative strategic decision-making and
strategis yang lebih representatif serta memperkuat reinforces the consistent application of good governance
konsistensi penerapan nilai-nilai tata kelola yang baik di principles across all levels of the organization.
seluruh tingkatan organisasi.
Di samping aspek keberagaman, Bank menempatkan In addition to diversity, the Bank considers Board
independensi Dewan sebagai elemen penting untuk independence to be a critical element in maintaining
menjaga objektivitas dan meminimalkan potensi benturan objectivity and minimizing potential conflicts of interest. The
kepentingan. Kehadiran anggota Dewan dari pihak presence of independent Board members strengthens the
independen memperkuat mekanisme check and balance, checks and balances mechanism, particularly in the review
khususnya dalam menelaah keputusan strategis yang of strategic decisions that affect long-term sustainability
berdampak pada kesinambungan kinerja jangka panjang, performance, reputation, and regulatory compliance,
reputasi, serta kepatuhan terhadap ketentuan yang berlaku, including in the implementation of sustainability policies
termasuk dalam implementasi kebijakan dan inisiatif and initiatives.
keberlanjutan.
Komposisi gender anggota Dewan Komisaris dan Direksi The gender composition of the Board of Commissioners
pada tahun 2025 disajikan pada tabel di bawah ini. and Board of Directors in 2025 is presented in the table
below.
Keberagaman dan Independensi Dewan Komisaris dan Direksi Tahun 2025 [IDX G-01]
Diversity and Independence of the Board of Commissioners and the Board of Directors in 2025
Deskripsi Laki-laki Perempuan Jumlah Pihak Independen
Description Male Female Total Independent Parties
Dewan Komisaris
4 - 3
Board of Commissioners
Direksi 6*) 1* -
* 1 (satu) direktur perempuandan 1 (satu) direktur laki-laki berakhir masa bakti sesuai RUPS 20 Juni 2025.
1 (one) female director and 1 (one) male director’s has completed their term of office according to the GMS on June 20, 2025.
Kebijakan Pemisahan Chairman of The Board dan CEO [IDX G-03]
Separation of the Roles of Chair of the Board and Chief Executive Officer
Bank menerapkan kebijakan pemisahan peran Chairman The Bank has implemented a policy to separate the roles
of the Board dan Chief Executive Officer/CEO sebagai of Chair of the Board and Chief Executive Officer (CEO)
bagian dari penguatan tata kelola berkelanjutan. as part of its efforts to strengthen sustainable governance.
Pemisahan fungsi ini dirancang untuk memastikan adanya This separation is intended to ensure an appropriate
keseimbangan kewenangan (check and balance) antara balance of authority (checks and balances) between the
fungsi pengawasan yang dijalankan Dewan Komisaris dan supervisory function of the Board of Commissioners and
fungsi pengelolaan operasional yang menjadi tanggung the operational management function of the Board of
jawab Direksi, sehingga proses pengambilan keputusan Directors, thereby supporting more objective, transparent,
dapat berlangsung lebih objektif, transparan, dan akuntabel. and accountable decision-making.
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Laporan Keberlanjutan • Sustainability Report Pemisahan jabatan tersebut juga mencerminkan komitmen This separation of roles also reflects the Bank’s commitment Perseroan untuk mencegah konsentrasi kekuasaan to preventing the concentration of power in a single pada satu individu serta memitigasi potensi benturan individual and mitigating potential conflicts of interest in kepentingan dalam penetapan strategi dan pengendalian strategic decision-making and risk management, including risiko, termasuk risiko-risiko ESG. Dengan struktur ESG-related risks. With this structure in place, the Board peran yang terpisah, Dewan Komisaris dapat melakukan of Commissioners can exercise independent oversight of pengawasan yang independen atas pelaksanaan strategi, strategy implementation, performance, and compliance, kinerja, dan kepatuhan, sementara Direksi dapat berfokus while the Board of Directors focuses on executing pada eksekusi rencana kerja dan pencapaian target business plans and achieving corporate targets, including perusahaan, termasuk target keberlanjutan. sustainability objectives. Kebijakan ini memperkuat efektivitas tata kelola karena This policy enhances governance effectiveness by mendukung mekanisme evaluasi dan pengawasan yang strengthening evaluation and oversight mechanisms lebih kuat terhadap keputusan manajerial, pengelolaan over managerial decisions, risk management, and the risiko, dan implementasi program keberlanjutan. Melalui implementation of sustainability programs. Through a clear pembagian peran yang jelas, Bank berupaya memastikan division of roles, the Bank seeks to ensure that sustainability bahwa integrasi aspek keberlanjutan dalam strategi dan considerations are consistently and measurably integrated operasional dijalankan secara konsisten, terukur, serta into strategy and operations, in alignment with stakeholder selaras dengan kepentingan pemangku kepentingan dan interests and long-term objectives. tujuan jangka panjang. Penilaian Risiko atas Penerapan Keuangan Berkelanjutan [POJK51-E.3] Risk Assessment of Sustainable Finance Implementation Penilaian risiko atas penerapan keuangan berkelanjutan Risk assessment in the implementation of sustainable merupakan elemen kunci untuk memastikan inisiatif finance is a key element in ensuring that the Bank’s keberlanjutan Bank berjalan efektif, tetap berada dalam sustainability initiatives are effective, remain within prudent koridor kehati-hatian, serta selaras dengan sasaran jangka limits, and are aligned with long-term objectives. This panjang. Proses ini diawali dengan identifikasi risiko yang process begins with identifying potential risks arising berpotensi muncul dari implementasi kebijakan keuangan from the implementation of sustainable finance policies, berkelanjutan, termasuk penilaian atas dampak ESG dari including assessing the ESG impacts of financing activities, pembiayaan yang disalurkan, serta antisipasi terhadap as well as anticipating changes in regulatory requirements dinamika perubahan regulasi maupun kondisi pasar yang and market conditions that may affect the achievement of dapat memengaruhi pencapaian strategi keberlanjutan. sustainability strategies. Dalam konteks penerapan keuangan berkelanjutan, Bank In implementing sustainable finance, the Bank has telah memetakan salah satu risiko yang relevan, yaitu identified a key risk related to the need to adjust credit kebutuhan penyesuaian persyaratan pengajuan kredit requirements to support the growth of environmentally guna mendorong peningkatan portofolio ramah lingkungan friendly (green) portfolios. To address this, the Bank atau portofolio hijau. Untuk merespons hal tersebut, Bank has integrated ESG risk considerations into its mengintegrasikan manajemen risiko ESG ke dalam proses creditworthiness assessment process, particularly for analisis kelayakan kredit, terutama pada debitur dengan borrowers with significant exposures, ensuring that eksposur/portofolio terbesar, sehingga pertimbangan sustainability considerations are incorporated into credit keberlanjutan menjadi bagian dari pengambilan keputusan decision-making from the outset. Identified risks are kredit sejak tahap awal. Risiko yang teridentifikasi classified into Sustainable Business Activity Categories diklasifikasikan dalam Kategori Kegiatan Usaha (KKUB), including compliance with green building or Berkelanjutan (KKUB), termasuk pemenuhan persyaratan construction certification requirements and Environmental kepemilikan sertifikasi bangunan hijau/konstruksi Impact Analysis (AMDAL) documentation, based on the berwawasan hijau serta dokumen Analisis Mengenai characteristics of the borrower’s business activities. Dampak Lingkungan (AMDAL), sesuai karakteristik kegiatan usaha debitur. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 437
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Laporan Keberlanjutan • Sustainability Report
Selanjutnya, Bank melakukan pemantauan dan evaluasi Furthermore, the Bank conducts regular risk monitoring
risiko secara berkala agar implementasi inisiatif keberlanjutan and evaluation to ensure that sustainability initiatives
tetap terarah serta potensi isu dapat terdeteksi lebih dini. remain on track and that potential issues are identified at
Pemantauan dilakukan melalui kolaborasi lintas fungsi untuk an early stage. Monitoring is carried out through cross-
menilai capaian dan dampak program keberlanjutan yang functional collaboration to assess the performance and
berjalan, sehingga Bank dapat melakukan penyesuaian impact of ongoing sustainability programs, enabling
strategi atau pengendalian secara tepat waktu apabila timely adjustments to strategies or controls in response to
terdapat perkembangan risiko yang tidak terantisipasi. emerging risks.
Secara menyeluruh, pengendalian risiko kredit Bank Overall, the Bank’s credit risk management is supported by
didukung oleh penggunaan internal scoring untuk kredit internal scoring models for individual, micro, and corporate
perorangan, korporasi, dan mikro, serta internal rating loans, as well as internal rating systems for MSME and
untuk segmen UMKM dan korporasi. Kepatuhan debitur corporate segments. Compliance with ESG requirements is
terhadap persyaratan LST dipantau oleh Divisi Kredit dan monitored by the Credit Division and the Risk Management
Divisi Satuan Kerja Manajemen Risiko (SKMR), sebagai Work Unit (SKMR) as part of a control framework to ensure
bagian dari mekanisme pengendalian yang memastikan the consistent application of sustainability principles.
aspek keberlanjutan dijalankan secara konsisten.
In addition to strengthening internal processes, the
Selain penguatan proses internal, Bank juga menekankan Bank also emphasizes the importance of stakeholder
pentingnya keterlibatan pemangku kepentingan dalam engagement in the sustainable finance risk assessment
proses penilaian risiko keuangan berkelanjutan. Keterlibatan process. This includes communication and consultation with
ini dapat dilakukan melalui komunikasi dan konsultasi external stakeholders—such as regulators, sustainability
dengan pihak eksternal, seperti regulator, konsultan consultants, and the public—to broaden perspectives
keberlanjutan, serta masyarakat, guna memperkaya on the impact of the Bank’s policies and ensure that its
perspektif atas dampak kebijakan Bank dan memastikan approach is inclusive and responsive to stakeholder needs.
pendekatan yang diterapkan bersifat inklusif serta responsif
terhadap kebutuhan publik.
Dengan pendekatan yang terstruktur dan terintegrasi, With a structured and integrated approach, risk
penilaian risiko penerapan keuangan berkelanjutan menjadi assessment in sustainable finance serves as a foundation
fondasi untuk menjaga keseimbangan antara pencapaian for maintaining a balance between achieving sustainability
target keberlanjutan dan pengelolaan risiko secara prudent. targets and prudent risk management. Through disciplined
Melalui pengendalian dan pemantauan yang disiplin, controls and ongoing monitoring, the Bank ensures that
Bank mengarahkan agar setiap inisiatif keberlanjutan each sustainability initiative not only delivers short-term
tidak hanya memberi manfaat jangka pendek, tetapi juga benefits but also strengthens long-term business resilience
memperkuat stabilitas dan keberlanjutan usaha dalam and sustainability, while supporting responsible economic
jangka panjang, serta mendukung pembangunan ekonomi development.
yang bertanggung jawab.
Hubungan dengan Pemangku Kepentingan [POJK51-E.4] [GRI 2-29]
Stakeholder Relations
Hubungan dan keterlibatan pemangku kepentingan Stakeholder relationships and engagement are key
merupakan elemen kunci dalam strategi keberlanjutan Bank, elements of the Bank’s sustainability strategy, helping
karena membantu memastikan bahwa kebijakan serta inisiatif to ensure that policies and initiatives remain relevant
yang dijalankan tetap relevan dan sejalan dengan kebutuhan and aligned with stakeholder needs and expectations.
serta ekspektasi pihak-pihak terkait. Bank membangun The Bank proactively communicates and collaborates
komunikasi dan kolaborasi secara proaktif dengan pemangku with both internal stakeholders—including employees
kepentingan internal termasuk karyawan dan manajemen and management—and external stakeholders, such as
serta pemangku kepentingan eksternal, seperti nasabah, customers, regulators, and the public, to gather input,
regulator, dan masyarakat, untuk memperoleh masukan, understand perceptions, and assess the impact of its
mengukur persepsi, serta memahami dampak dari kebijakan policies and operational practices.
dan praktik operasional Bank.
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Melalui pendekatan tersebut, Bank memiliki dasar yang Through this approach, the Bank is better positioned to
lebih kuat untuk menyelaraskan prioritas keberlanjutan, align its sustainability priorities, adjust its strategies where
melakukan penyesuaian strategi apabila diperlukan, serta necessary, and ensure that its actions support shared
memastikan bahwa langkah-langkah yang ditempuh objectives while delivering balanced value to stakeholders.
mendukung tujuan bersama dan memberikan manfaat yang The Bank also maps stakeholder groups in accordance
berimbang bagi para pemangku kepentingan. Bank juga with the AA1000 Stakeholder Engagement Standard
melakukan pemetaan kelompok pemangku kepentingan (SES) 2015, using it as a framework to identify material
dengan mengacu pada pedoman AA1000 Stakeholder sustainability issues.
Engagement Standard (SES) 2015, sebagai kerangka
untuk mengidentifikasi isu-isu material yang berkaitan
dengan keberlanjutan.
Adapun aspek-aspek yang menjadi dasar pertimbangan The criteria used to determine stakeholder groups are
dalam menentukan kelompok pemangku kepentingan outlined below:
diuraikan sebagai berikut:
Para pihak yang memiliki pengaruh terhadap proses pengambilan keputusan Bank, khususnya yang berkaitan
Pengaruh
dengan kelangsungan usaha.
Influence
The party who influences the decision-making carried out by the Bank related to business continuity.
Bank juga memiliki tingkat ketergantungan terhadap para pihak tersebut, baik dalam bentuk hubungan yang
Ketergantungan
berdampak langsung maupun melalui pengaruh tidak langsung terhadap aktivitas dan kinerja Bank.
Dependency
The Bank has dependency on the party, either directly or indirectly
Bank juga memiliki tanggung jawab kepada para pihak tersebut, baik dalam pemenuhan komitmen yang berjalan
Tanggung Jawab
saat ini maupun dalam menjaga konsistensi hubungan dan kontribusi Bank di masa mendatang.
Responsibility
The Bank has responsibility to the party, both in the present and in the future
Perhatian Para pihak yang menjadi perhatian Bank dalam kaitannya dengan isu ekonomi, sosial, maupun lingkungan hidup.
Attention The party who requires the Bank’s attention in relation to economic, social, or environmental issues.
Perspektif Pihak yang dapat menghadirkan perspektif baru terhadap isu-isu penting yang relevan.
Perspective The party who can provide new perspectives previously unavailable on important relevant issues.
Mengacu pada hasil proses identifikasi yang telah dilakukan, Referring to the results of the identification process that
pelaksanaan keterlibatan pemangku kepentingan di Bank has been carried out, the implementation of stakeholder
dijelaskan sebagai berikut: involvement at the Bank is explained as follows:
Metode Topik Utama Frekuensi
Pemangku
Dasar Pemilihan Pelibatan yang Diajukan Rencana Strategis Pelaksanaan
Kepentingan
Basis of Selection Method of Main Topic Strategic Planning Implementation
Stakeholder
Engangement Proposed Freequency
Nasabah • Tanggung Jawab. • Sarana • Pelayanan • Menciptakan Sepanjang tahun
Customer • Ketergantungan; Pengaduan produk dan jasa. produk dan jasa atau sesuai
serta nasabah; dan • Keamanan yang sesuai dengan kebutuhan.
• Perhatian. • Sarana informasi kebutuhan nasabah. All year round or
• Responsibility; pelayanan nasabah; dan • Meningkatkan as necessary.
• Dependency; and nasabah. • Keamanan dana. kualitas dari core
• Attention. • Customer • Product and banking; dan
complain services; • Memberikan
facilities; and • Customer pelayanan optimal
• Customer information kepada nasabah.
services security; and • Creating products
• Security of funds and services
according to
customer needs;
• Improving the quality
of core banking; and
• Providing optimal
customers services.
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Metode Topik Utama Frekuensi
Pemangku
Dasar Pemilihan Pelibatan yang Diajukan Rencana Strategis Pelaksanaan
Kepentingan
Basis of Selection Method of Main Topic Strategic Planning Implementation
Stakeholder
Engangement Proposed Freequency
Pemegang • Tanggung Jawab. • Rapat Umum • Hak Memesan • Penambahan modal Sesuai waktu
Saham • Perspektif. Pemegang Efek Terlebih inti Bank melalui yang ditentukan,
Shareholders • Pengaruh. Saham. Dahulu mekanisme HMETD. sesuai
• Responsibility; • Paparan publik. (HMETD). • Penyusunan kebutuhan, atau
• Perspective; and • General Meeting • Kinerja keuangan. Laporan Tahunan setiap tahun.
• Influence. of Shareholders; • Arah kebijakan dan Laporan According to the
and strategis. Keberlanjutan. time set, needs,
• Public expose. • Pre-emptive • Pertumbuhan kinerja or annually.
Rights (HMETD); operasional dan
• Financial keuangan.
performance; and • Core capital
• Strategic policy increase through
direction. Pre-emptive Rights;
• Preparation of
Annual Report
and Sustainability
Report; and
• Growth in
operational
and financial
performance
Karyawan • Tanggung Jawab. • Pelatihan dan • Kesehatan dan • Sistem rekrutmen Sepanjang
Employee • Ketergantungan. peningkatan keselamatan dan pengembangan tahun.
• Pengaruh. kapasitas lingkungan kerja. kompetensi serta All year round.
• Perhatian. karyawan. • Menciptakan karier yang adil dan
• Responsibility; • Gathering lingkungan setara.
• Dependency; karyawan. kerja yang adil, • Sistem penggajian
• Influence; and • Program kompetitif, dan yang layak sesuai
• Attention. perubahan bertanggung dengan kinerja
perusahaan jawab. karyawan.
• Employees’ • Occupational • Remunerasi yang
training and health and layak.
capacity safety, and the • Menyediakan
building; environment; tunjangan kesehatan
• Employee • Create a dan kecelakaan
gathering; and competitive, kerja yang layak.
• Corporate fair, and • Program dana
change responsible work pensiun.
programs. environment. • A fair and
equal system in
recruitment and
competition and
career development;
• A proper
salary system
in accordance
with employee
performance;
• Decent
remuneration;
• Providing
adequate health
and occupational
accident benefits;
and
• Pension fund
program.
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Metode Topik Utama Frekuensi
Pemangku
Dasar Pemilihan Pelibatan yang Diajukan Rencana Strategis Pelaksanaan
Kepentingan
Basis of Selection Method of Main Topic Strategic Planning Implementation
Stakeholder
Engangement Proposed Freequency
Pemerintah • Tanggung Jawab. Pelaporan kerja Kepatuhan terhadap Penyampaian laporan Sesuai waktu
dan Pembuat • Pengaruh. yang teratur dan regulasi jasa secara berkala dan yang ditentukan,
Kebijakan • Responsibility; and sesuai jadwal keuangan yang tepat waktu kepada sesuai
Government • Influence. kepada regulator berlaku. Otoritas Jasa Keuangan kebutuhan, atau
and Policy dan pemerintah. Compliance with dan Bank Indonesia. setiap tahun.
Maker Regular and on applicable financial Submission of reports According to the
schedule work services regulations regularly and on time to time set, needs,
reporting to the Financial Services or annually.
regulators and Authority and Bank
government. Indonesia.
Masyarakat • Tanggung Jawab. • Situs web. • Informasi kinerja • Penyaluran kredit Sesuai rencana
dan Komunitas • Perhatian. • Paparan publik. dan aktivitas pada sektor UMKM pelaksanaan
Lokal • Perspektif. • Laporan Bank. dan korporasi. program
Society • Responsibility; publikasi. • Peningkatan • Penggunaan tenaga atau sesuai
and Local • Attention; and • Website; kesejahteraan kerja lokal. kebutuhan.
Community • Perspective. • Public expose; ekonomi dan • Pelaksanaan aksi According to
and sosial. sosial. the program
• Publication • Information • Pemutakhiran implementation
report. of the Bank’s pelayanan plan or as
performance and perbankan. necessary
activity; and • Loan disbursement
• Increased to MSME and
economic and corporate sectors;
social welfare. • Use of local labor;
• Implementation of
social actions; and
• Updating banking
services.
Media Masa Tanggung Jawab. Perkembangan Menyediakan • Melakukan Sesuai
Mass Media Responsibility informasi terkait informasi yang pemutakhiran kebutuhan.
kinerja Bank. relevan, jujur, dan informasi secara As necessary
Development of tepat waktu. berkala pada situs
information related Provide relevant, web Bank.
to the Bank’s honest, and timely • Melaksanakan
performance. information. paparan publik atau
media gathering.
• Periodically
updating information
on the Bank’s
website; and
• Conducting public
exposure or media
gathering.
Permasalahan Terhadap Penerapan Keuangan Berkelanjutan [POJK51-E.5]
Sustainable Finance Implementation Issues
Komitmen Bank dalam mengintegrasikan prinsip keuangan The Bank’s commitment to integrating sustainable finance
berkelanjutan ke dalam kegiatan usaha turut dihadapkan principles into its business activities is accompanied by a
pada sejumlah tantangan, baik yang bersumber dari range of internal and external challenges. In response, the
faktor internal maupun eksternal. Sehubungan dengan Bank has developed mitigation measures and strategic
hal tersebut, Bank telah menyiapkan langkah-langkah responses to ensure that the implementation of sustainable
respons dan strategi mitigasi agar penerapan keuangan finance remains effective, focused, and aligned with its
berkelanjutan dapat berjalan efektif, terarah, dan selaras long-term objectives.
dengan rencana jangka panjang.
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Adapun permasalahan yang dihadapi serta strategi yang The key challenges and corresponding strategies in
ditempuh dalam penerapan prinsip keuangan berkelanjutan implementing sustainable finance principles are outlined
diuraikan sebagai berikut: below:
Permasalahan Terhadap Penerapan Keuangan
Strategi untuk Mengatasi
Berkelanjutan di Tahun 2025
Coping Strategy
2025 Sustainable Finance Implementation Issues
Internal Internal
Kesadaran karyawan terhadap keuangan berkelanjutan perlu Bank bekerja sama dengan lembaga pendidikan atau konsultan
ditingkatkan melalui pelatihan dan sosialisasi yang rutin agar para keberlanjutan untuk menyediakan pelatihan reguler yang relevan
karyawan memahami peran dan kontribusi masing-masing dalam bagi seluruh level karyawan.
mencapai tujuan keberlanjutan The Bank cooperates with educational institutions or sustainability
Employee awareness of sustainable finance needs to be enhanced consultants to provide regular training that is relevant to all levels
through regular training and dissemination so that employees of employees.
understand their respective roles and contributions in achieving
sustainability goals.
Bank masih melakukan operasional bank secara manual dan tidak Saat ini, bank sedang melakukan kerja sama dengan divisi IT dan
tersistematisasi sehingga implementasi keuangan berkelanjutan pihak ketiga untuk melakukan pengembangan IT
masih menggunakan sistem yang manual. Currently, the Bank is collaborating with the IT Division and third
The Bank may experience limitations in technology needed to parties to carry out IT development.
implement sustainable finance effectively.
Tantangan dalam mengembangkan dan memasarkan produk- Bank terus berupaya untuk mengembangkan produk-produk
produk keuangan yang mendukung keberlanjutan. keuangan hijau dan melakukan studi pasar untuk memahami
Challenges in developing and marketing financial products that kebutuhan dan preferensi nasabah terkait produk-produk ini.
support sustainability The Bank continuously strives to develop green financial products
and conduct market studies to understand customer needs and
preferences related to these products.
Kepentingan yang berbeda dari berbagai Divisi dalam Bank dapat Penyelarasan visi dan misi dengan mengkomunikasikan visi dan misi
menghambat penerapan keuangan berkelanjutan apabila tidak keberlanjutan secara jelas kepada seluruh Divisi, serta memastikan
dikelola dengan baik. bahwa tujuan keberlanjutan menjadi bagian integral dari rencana
Different interests from various Divisions within the Bank can hinder strategis bisnis Bank.
sustainable finance implementation if not managed properly. Alignment of vision and mission by clearly communicating the
sustainability vision and mission to all Divisions, and ensuring that
the sustainability goals are an integral part of the Bank’s strategic
business plan.
External External
Perubahan regulasi yang dapat memengaruhi strategi dan Aktif berpartisipasi dalam pertemuan, diskusi, dan konsultasi
operasional Bank, sehingga diperlukan fleksibilitas dan kesiapan dengan regulator untuk mendapatkan wawasan langsung tentang
untuk menyesuaikan diri dengan peraturan baru. perubahan regulasi yang akan datang dan untuk menyuarakan
Regulation changes that can affect the Bank’s strategy and pandangan serta kepentingan Bank.
operations, therefore flexibility and readiness are necessary to Actively participates in meetings, discussions, and consultations
adapt to new regulations. with regulators to gain first-hand insight into upcoming regulation
changes and to voice the Bank’s views and interests.
Dinamika Global dan Indonesia yang saat ini condong pada isu Mengumpulkan dan menganalisis data dari berbagai sumber, seperti
geopolitik dan perubahan arah dan fokus keberlanjutan kedepanya. umpan balik nasabah dan media sosial untuk mengidentifikasi tren
Global and Indonesian dynamics are currently leaning towards dan pola perubahan preferensi nasabah. Menggunakan alat analitik,
geopolitical issues and changes in direction and focus for future seperti machine learning dan big data untuk mendapatkan wawasan
sustainability. yang lebih mendalam.
Collects and analyzes data from various sources, such as customer
feedback and social media, to identify trends and patterns of
changes in customer preferences. Uses analytical tools, such as
machine learning and big data, to gain deeper insights
442 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Keberlanjutan • Sustainability Report Inisiatif Anti-Korupsi dan Fraud [IDX G-07] Anti-Corruption and Fraud Initiative Inisiatif anti-korupsi dan pencegahan fraud di lingkungan Anti-corruption and fraud prevention initiatives within Bank merupakan prioritas yang dijalankan secara serius, the Bank are a priority that is implemented seriously, in terstruktur, dan berkesinambungan. Unit Anti-Fraud a structured, and sustainable manner. The Anti-Fraud Management berperan menangani setiap laporan dugaan Management Unit is responsible for handling every report suap, fraud, maupun korupsi, sekaligus memastikan seluruh of suspected bribery, fraud, or corruption, while ensuring indikasi tersebut ditindaklanjuti melalui proses investigasi that all indications are followed up through a thorough and yang cermat dan akuntabel. accountable investigation process. Dalam pelaksanaannya, Anti-Fraud Management turut In its implementation, Anti-Fraud Management plays menjadi garda penting dalam menjaga standar etika a crucial role in maintaining ethical and compliance dan kepatuhan, termasuk mengidentifikasi celah atau standards, including identifying gaps or vulnerabilities in kerentanan proses yang berpotensi disalahgunakan processes that could potentially be misused for corrupt or untuk praktik koruptif atau kecurangan. Di sisi lain, Divisi fraudulent practices. Meanwhile, the Compliance Division Compliance menjalankan fungsi pengawasan integritas carries out operational integrity oversight functions by operasional dengan melakukan pemantauan rutin serta conducting routine monitoring and reporting monitoring and menyampaikan hasil pemantauan dan investigasi kepada investigation results to regulators, as a form of compliance regulator, sebagai bentuk pemenuhan kewajiban kepatuhan with applicable regulations. terhadap ketentuan yang berlaku. Hingga akhir tahun 2025, Bank terus memperkuat Until the end of 2025, the Bank continues to strengthen pengelolaan risiko atas potensi korupsi, fraud, dan suap, risk management for potential corruption, fraud, and bribery, yang mencerminkan konsistensi penerapan kebijakan anti- reflecting the consistent implementation of anti-corruption korupsi serta dukungan aktif manajemen dalam menjunjung policies and management’s active support for upholding integritas dan transparansi. Lebih lanjut, upaya tersebut integrity and transparency. Furthermore, these efforts focus tidak hanya menitikberatkan pada penanganan kasus, not only on case handling but also on strengthening the tetapi juga diarahkan pada penguatan implementasi Kode implementation of the Code of Ethics across all work units. Etik di seluruh unit kerja. Dengan peran Divisi Compliance, serta komitmen Through the role of the Compliance Division, along berkelanjutan dari manajemen dan seluruh karyawan, Bank with the ongoing commitment of management and all berupaya membangun budaya kerja yang bersih dari praktik employees, the Bank strives to build a work culture free korupsi dan fraud, sekaligus memastikan operasional Bank from corruption and fraud, while ensuring that the Bank’s senantiasa berjalan sesuai standar etika dan tata kelola operations consistently comply with applicable ethical and yang berlaku. governance standards. Pelatihan Anti-Korupsi Anti-Corruption Training Program pelatihan anti-korupsi diselenggarakan untuk The anti-corruption training program is designed to memperkuat kapasitas seluruh karyawan agar mampu strengthen the capacity of all employees to recognize mengenali indikasi, mencegah, serta melaporkan potensi indications, prevent, and appropriately report potential tindakan korupsi secara tepat. Materi pelatihan mencakup acts of corruption. The training material covers an in-depth pendalaman kebijakan anti-korupsi yang berlaku di understanding of the Bank’s anti-corruption policies, risk Bank, pemetaan risiko dan pengenalan tentang tanda- mapping and recognition of potential signs of corruption, tanda potensi korupsi, hingga tata cara pelaporan sesuai as well as reporting procedures according to established mekanisme yang ditetapkan. mechanisms. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 443
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Laporan Keberlanjutan • Sustainability Report
Pelaksanaan pelatihan ini diarahkan untuk menumbuhkan This training aims to foster a consistent culture of ethics and
budaya etika dan kepatuhan yang konsisten di seluruh unit compliance across all work units, while ensuring that each
kerja, sekaligus memastikan setiap karyawan memahami employee understands their responsibilities in maintaining
tanggung jawabnya dalam menjaga integritas serta the integrity and transparency of the Bank’s operations.
transparansi operasional Bank. Dengan pemahaman yang With a shared understanding, the Bank strengthens early
seragam, Bank memperkuat upaya pencegahan sejak dini prevention efforts and encourages the courage to report
dan mendorong keberanian untuk melaporkan dugaan suspected violations through available channels.
pelanggaran melalui kanal yang tersedia.
Bank telah menyelenggarakan beberapa kegiatan pelatihan The Bank has conducted several anti-corruption training
anti-korupsi sepanjang tahun 2025, antara lain: activities throughout 2025, including:
Jumlah Peserta
Nama Pelatihan Frekuensi Durasi
Number of
Training Frequency Duration
Participants
Karyawan
Employees
New Employee Program 3 Kali | Times 60 Menit | Minutes 15-30 Orang | People
Sosialisasi Penerapan Anti Suap untuk Kepala
Operasional dan Customer Service
1 Kali | Time 90 Menit | Minutes 60 Orang | People
Information Dissemination on Anti-Bribery Implementation
for Operational Heads and Customer Service
Kebijakan Antipersaingan
Anti-Competition Policy
Bank berkomitmen menjalankan kegiatan usaha secara The Bank is committed to conducting its business
berintegritas dan menjunjung prinsip persaingan usaha activities with integrity and upholding the principles of fair
yang sehat, termasuk menolak segala bentuk perilaku competition, including rejecting all forms of anti-competitive
antipersaingan, praktik anti‑pakat (kartel/kolusi), maupun behavior, antitrust practices (such as cartels or collusion),
tindakan yang mengarah pada monopoli. Komitmen ini and monopolistic conduct. This commitment is reflected in
dituangkan dalam kebijakan internal dan/atau ketentuan internal policies and business ethics guidelines that bind all
etika bisnis yang mengikat seluruh insan Bank serta employees and serve as a framework for decision-making
menjadi pedoman dalam pengambilan keputusan komersial, in areas such as procurement, partnerships, and marketing
pengadaan, kemitraan, dan aktivitas pemasaran. activities.
Kebijakan tersebut pada prinsipnya menegaskan bahwa This policy affirms that the Bank does not engage in price
Bank tidak melakukan pengaturan harga, pembagian fixing, market or territorial allocation, quota setting, the
wilayah/pasar, pengaturan kuota, pertukaran informasi exchange of sensitive information with competitors, or
sensitif dengan pesaing, maupun kesepakatan lain yang other agreements that may restrict competition. In practice,
dapat membatasi persaingan. Dalam praktiknya, setiap all business collaborations are undertaken for legitimate
kerja sama bisnis diarahkan untuk memiliki tujuan yang purposes, based on operational needs, and supported by
sah, berbasis kebutuhan operasional, serta didukung appropriate documentation to ensure compliance with fair
dokumentasi yang memadai guna memastikan kepatuhan competition principles.
terhadap prinsip persaingan sehat.
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Laporan Keberlanjutan • Sustainability Report Pengendalian dan pencegahan Control and Prevention Untuk memastikan kebijakan berjalan efektif, Bank To ensure the effective implementation of this policy, the Bank menerapkan mekanisme pengendalian melalui fungsi implements control mechanisms through its compliance kepatuhan dan tata kelola, termasuk penelaahan terhadap and governance functions, including reviewing specific perjanjian/kontrak tertentu serta penguatan awareness agreements/contracts and strengthening awareness among bagi unit kerja yang berinteraksi dengan pihak eksternal. work units that interact with external parties. The Bank also Bank juga mendorong penerapan prinsip “need-to-know” encourages the application of the “need-to-know” principle atas informasi komersial sensitif, terutama yang dapat for sensitive commercial information, particularly that which berimplikasi pada pembentukan harga, strategi pasar, dan/ may impact pricing, market strategy, and/or the terms of atau kondisi kerja sama dengan pihak lain. cooperation with other parties. Pencegahan risiko antipersaingan turut diperkuat melalui Anti-competitive risk prevention is further strengthened pengaturan konflik kepentingan, larangan gratifikasi/suap, through regulations on conflicts of interest, prohibitions on serta pengendalian atas hubungan dengan pihak ketiga gratuities/bribery, and controls on relationships with third (vendor, mitra, agen) agar proses bisnis tidak membuka parties (vendors, partners, agents) to prevent collusion ruang kolusi atau pengaturan hasil. Dalam konteks ini, or outcome fixing in business processes. In this context, pemantauan kepatuhan dilakukan secara berkala dan compliance monitoring is conducted periodically and is menjadi bagian dari evaluasi tata kelola yang lebih luas. part of a broader governance evaluation. Penanganan dugaan pelanggaran dan Alleged Violations and Legal Enforcement langkah hukum Apabila terdapat indikasi pelanggaran terhadap kebijakan In the event of alleged violations of the fair competition persaingan usaha sehat, Bank menindaklanjuti melalui policy, the Bank will follow up through internal reporting mekanisme pelaporan internal, klarifikasi, dan investigasi mechanisms, clarification, and investigation processes in sesuai ketentuan yang berlaku. Bank dapat menjatuhkan accordance with applicable regulations. Where necessary, sanksi disiplin, melakukan perbaikan proses (corrective the Bank may impose disciplinary sanctions, implement action), serta mengambil tindakan hukum yang diperlukan corrective measures, and pursue appropriate legal action, termasuk kerja sama dengan otoritas berwenang apabila including cooperation with relevant authorities, if any ditemukan unsur pelanggaran peraturan atau kerugian bagi breaches of regulations or potential losses to the Bank or Bank maupun pemangku kepentingan. its stakeholders are identified. Selain itu, Bank menegaskan komitmen untuk menghormati Furthermore, the Bank affirms its commitment to respecting proses penegakan hukum dan menjaga transparansi the law enforcement process and maintaining reporting pelaporan sesuai kebutuhan pengungkapan, termasuk transparency in accordance with disclosure requirements, dalam konteks pelaporan keberlanjutan. including in the context of sustainability reporting. Kebijakan Perlakuan Adil Terhadap Pemegang Saham [IDX G-08] Fair Treatment Policy for Shareholders Sebagai bagian dari komitmen perlakuan adil terhadap As part of its commitment to the fair treatment of pemegang saham, Bank menegaskan bahwa setiap shareholders, the Bank affirms that all decisions and keputusan dan tindakan yang diambil oleh organ Bank actions taken by its governing bodies must be grounded harus berlandaskan integritas serta menjunjung prinsip in integrity and uphold the principle of equal access to kesetaraan akses informasi. Sejalan dengan itu, Bank information. Accordingly, the Bank enforces a policy that menerapkan kebijakan yang melarang Direksi, Dewan prohibits members of the Board of Directors, Board of Komisaris, dan karyawan memanfaatkan pengetahuan Commissioners, and employees from using material non- atau informasi material/non‑publik yang umumnya belum public information (MNPI) or other non-public information tersedia di pasar untuk memperoleh keuntungan pribadi for personal gain or to provide an undue advantage to atau memberikan keuntungan tidak semestinya kepada any party. pihak lain. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 445
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Kebijakan tersebut bertujuan menjaga agar pemegang This policy is intended to ensure that shareholders and
saham dan pelaku pasar memperoleh perlakuan yang market participants are treated equitably, without any
setara, tanpa adanya pihak internal yang diuntungkan internal party benefiting from information asymmetry. It
melalui asimetri informasi. Dengan demikian, kepercayaan also supports the maintenance of investor confidence and
investor dapat terjaga dan proses pengambilan keputusan ensures that shareholder decisions are based on accurate,
oleh pemegang saham dapat dilakukan berdasarkan relevant, and fairly disclosed information.
informasi yang wajar, relevan, dan tersedia secara adil.
Benturan Kepentingan [IDX G-09] [GRI 2-15]
Conflict of Interest
Pengelolaan benturan kepentingan menjadi bagian penting The management of conflicts of interest is a key component
dari penerapan tata kelola Bank untuk memastikan setiap of the Bank’s governance framework, ensuring that all
keputusan diambil secara objektif dan tidak dipengaruhi decisions are made objectively and are free from undue
kepentingan pribadi yang tidak semestinya. Untuk itu, Bank personal influence. To this end, the Bank has established a
menetapkan kebijakan penanganan benturan kepentingan conflict of interest policy in accordance with the Board of
yang mengacu pada Pedoman Direksi dan Dewan Directors and Board of Commissioners Guidelines, which
Komisaris, termasuk ketentuan untuk mengidentifikasi, include provisions for the identification, disclosure, and
mengungkapkan, serta mengendalikan potensi konflik management of potential conflicts of interest.
kepentingan.
Agar penerapannya berjalan efektif, Bank secara berkala To support effective implementation, the Bank conducts
menyelenggarakan pelatihan dan sosialisasi bagi anggota regular training and awareness programs for members of
Direksi dan Dewan Komisaris terkait kewajiban, mekanisme, the Board of Directors and Board of Commissioners on
serta prosedur yang harus dipatuhi. Pelaksanaan pedoman the relevant obligations, mechanisms, and procedures.
tersebut juga diperkuat melalui pengawasan dan Implementation of these guidelines is further reinforced
evaluasi rutin atas tingkat kepatuhan, sehingga potensi through ongoing monitoring and periodic evaluation of
penyimpangan dapat dicegah sejak dini. compliance, enabling the early detection and mitigation of
potential deviations.
Melalui langkah-langkah tersebut, Bank menegaskan Through these measures, the Bank reaffirms its commitment
komitmen untuk menjaga integritas dan transparansi to maintaining integrity and transparency in all corporate
dalam setiap keputusan korporasi, sekaligus memastikan decision-making, while safeguarding the interests of the
kepentingan organisasi dan para pemangku kepentingan organization and its stakeholders from undue influence.
terlindungi secara memadai tanpa intervensi pihak mana pun.
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Laporan Keberlanjutan • Sustainability Report Kinerja Keberlanjutan [GRI 3-3] Sustainability Performance Praktik keberlanjutan Bank menunjukkan dedikasi yang The Bank’s sustainability practices reflect a consistent konsisten terhadap operasional yang bertanggung jawab commitment to responsible and sustainable operations, dan berkelanjutan, dengan penekanan pada pencapaian with a focus on achieving key targets while minimizing target utama sambil meminimalkan dampak buruk bagi adverse impacts on the environment and surrounding lingkungan dan komunitas sekitar. communities. Kegiatan Membangun Budaya Keberlanjutan [POJK51-F.1] Sustainability Culture Building Activities Bank membangun dan menginternalisasi budaya The Bank fosters and embeds a culture of sustainability keberlanjutan melalui pendekatan terstruktur yang through a structured approach that integrates ESG memastikan prinsip-prinsip ESG tertanam dalam seluruh principles into all operations and decision-making operasional dan pengambilan keputusan. Seluruh karyawan processes. Employees at all levels are actively engaged dilibatkan melalui program pelatihan reguler dan workshop through regular training programs and workshops that yang menekankan pentingnya praktik berkelanjutan untuk emphasize the importance of sustainable practices in meningkatkan kualitas pengelolaan di semua tingkatan enhancing management quality across the organization. operasional. Selain itu, Bank mengintegrasikan kebijakan Furthermore, the Bank integrates environmental and ramah lingkungan dan sosial ke dalam proses bisnis social considerations into its daily business processes sehari-hari, disertai mekanisme umpan balik terbuka yang and provides an open feedback mechanism that enables memungkinkan karyawan menyampaikan ide inovatif employees to contribute ideas and actively support the serta berkontribusi langsung dalam penyusunan strategi development of long-term sustainability strategies. keberlanjutan jangka panjang. Kinerja Ekonomi Economic Performance Komitmen Bank terhadap pembangunan ekonomi yang The Bank’s commitment to sustainable economic berkelanjutan terwujud melalui dukungan terhadap development is demonstrated through its support for berbagai proyek dan inisiatif yang seimbang antara various projects and initiatives that balance economic pertumbuhan ekonomi, pelestarian lingkungan, dan growth, environmental preservation, and community kesejahteraan masyarakat. Dengan mengintegrasikan welfare. By integrating sustainability principles into every prinsip keberlanjutan dalam setiap keputusan investasi investment and financing decision, the Bank creates dan pembiayaan, Bank menciptakan nilai ekonomi jangka long-term economic value while ensuring a positive panjang sambil memastikan kontribusi positif terhadap contribution to broader social and environmental progress. kemajuan sosial dan lingkungan secara lebih luas. This approach reflects a holistic strategy aligned with Pendekatan ini mencerminkan strategi holistik yang selaras best practices in corporate governance in the Indonesian dengan praktik terbaik tata kelola perusahaan di sektor financial sector. keuangan Indonesia. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 447
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Perbandingan Target dan Kinerja Comparison of Targets and Financial
Keuangan [POJK51-F.2] Performance [POJK51-F.2]
Perbandingan antara target dan realisasi kinerja keuangan A comparison between targets and actual financial
memungkinkan Bank untuk menilai efektivitas strategi performance enables the Bank to assess the effectiveness
serta sejauh mana pencapaian sesuai dengan rencana of its strategy and the extent to which results align with
yang telah dirumuskan. Pendapatan Bank pada tahun established plans. In 2025, the Bank recorded revenue
2025 tercatat sebesar Rp1,49 triliun, mencapai 93,27% of IDR1.49 trillion, achieved 93.27% from the target.
dari target. Sementara itu, laba bersih mencapai 89,63% Meanwhile, net profit achieved 89.63% from the target
dari target menjadi Rp197,43 miliar. Rincian perbandingan to IDR197.43 billion. Detailed comparisons of financial
capaian kinerja keuangan dengan target selama tiga tahun performance against targets over the past three years are
terakhir disajikan sebagai berikut: presented below:
2025 2024 2023
Deskripsi Satuan
Description Unit Target Realisasi Target Realisasi Target Realisasi
% % %
Target Realization Target Realization Target Realization
Kinerja Produksi, Portofolio, Pembiayaan
Production, Portfolio, Financing Performance
Kredit yang
Diberikan 14.207.744 14.470.366 101,85 12.390.539 11.707.744 94,49 10.564.115 9.390.593 88,89
Loans Rp Juta
Dana Pihak Million
Ketiga IDR
11.408.319 11.915.829 104,45 11.394.391 9.408.319 82,57 10.380.025 8.894.391 85,68
Third Party
Funds
Kinerja Keuangan
Financial Performance
Pendapatan
Rp Juta 1.598.041 1.490.490 93,27 1.555.792 1.470.164 94,50 1.409.630 1.358.093 96,34
Income
Million
Laba Bersih IDR 220.258 197.425 89,63 237.852 215.851 90,75 202.600 183.295 90,47
Net Profit
Perbandingan Target dan Kinerja Comparison of Targets and Financial
Keuangan yang Sejalan dengan Penerapan Performance in Relation to Sustainable
Keuangan Berkelanjutan [POJK51-F.3] Finance Implementation [POJK51-F.3]
ank berkomitmen untuk terus mendorong pertumbuhan The Bank is committed to continuously promoting the
pelaku usaha yang menerapkan prinsip keberlanjutan growth of businesses that integrate sustainability principles
dalam operasional bisnisnya. Komitmen ini diwujudkan into their operations. This commitment is reflected in the
melalui penyaluran pembiayaan kepada debitur dengan provision of financing to borrowers within green portfolio
portofolio hijau, khususnya sektor produk yang mengurangi sectors, particularly those that contribute to reduced
konsumsi sumber daya alam dan bebas dari polusi. Rincian natural resource consumption and environmentally friendly,
capaian pembiayaan berkelanjutan Bank selama tiga tahun low-emission activities. Detailed information on the Bank’s
terakhir disajikan sebagai berikut: sustainable financing performance over the past three
years is presented below:
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Debitur yang Memiliki Usaha
dengan Klasifikasi Portofolio Hijau
(Perusahaan) Nilai Pembiayaan
Debtors with Green Portfolio Businesses Financing Value
Perusahaan | Companies Miliar Rp | Billion IDR
600,00
403,14
403,14
4
3
3
2025 2024 2023 2025 2024 2023
2025 2024 2023
Deskripsi Satuan
Description Unit Target Realisasi Target Realisasi Target Realisasi
% % %
Target Realization Target Realization Target Realization
Debitur yang
Memiliki
Usaha dengan
Klasifikasi Perusahaan
4 3 75,00 4 3 75,00 3 3 100
Portofolio Hijau Companies
Debtors with
Green Portfolio
Businesses
Nilai
Pembiayaan Rp Miliar
600,00 403,14 67,19 550,00 403,14 73,30 500,00 403,14 80,63
Financing IDR billion
Value
Perolehan dan Pendistribusian Nilai Economic Value Generation and
Ekonomi [GRI 201-1] Distribution [GRI 201-1]
Bank menghasilkan nilai ekonomi melalui beragam The Bank generates economic value through various
aktivitas usaha perbankan, antara lain penyaluran kredit, banking business activities, including lending, raising public
penghimpunan dana masyarakat, serta kegiatan investasi. funds, and investment activities. The resulting economic
Nilai ekonomi yang diperoleh tersebut selanjutnya value is then allocated to stakeholders through various
dialokasikan kepada para pemangku kepentingan forms of distribution, including remuneration payments
melalui berbagai bentuk distribusi, termasuk pembayaran to employees, dividend distributions to shareholders,
remunerasi kepada karyawan, pembagian dividen kepada fulfillment of tax obligations to the government, and
Pemegang Saham, pemenuhan kewajiban perpajakan funding of CSR programs. Information regarding the direct
kepada pemerintah, serta pendanaan program CSR. economic value generated and distributed by the Bank
Adapun informasi mengenai nilai ekonomi langsung yang over the past three years is presented below:
dihasilkan dan didistribusikan Bank selama tiga tahun
terakhir disajikan sebagai berikut:
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 449
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Deskripsi Satuan
2025 2024 2023
Description Unit
Nilai Ekonomi Langsung yang Dihasilkan
Direct Economic Value Generated
Penerimaan Bunga
1.374.292 1.368.514 1.263.572
Interest Income Received
Penerimaan dari Pendapatan Operasional
Lainnya 116.198 101.650 94.521
Receipts from Other Operating Income Rp Juta
Rp Million
Hasil Penjualan Aset Tetap
(372) 73 49
Proceeds from Fixed Assets Sold
Jumlah Nilai Ekonomi yang Dihasilkan
1.490.118 1.470.237 1.358.142
Total Economic Value Generated
Nilai Ekonomi Langsung yang Didistribusikan
Economic Value Distributed
Pembayaran Bunga
(804.679) (787.275) (776.291)
Interest Expenses Paid
Pembayaran Beban Umum dan Administrasi
(176.965) (200.564) (177.276)
General and Administrative Expenses Paid
Pembayaran Beban Karyawan
(220.860) (216.267) (191.597)
Employee Expenses Paid
Pembayaran Beban Lainnya
(9.020) (8.437) (7.082)
Other Expenses Paid
Pembayaran Dividen
Rp Juta - - -
Dividend Payments
Rp Million
Pembayaran Pajak kepada Pemerintah
56.877 53.164 4.703
Tax Payments to the Government
Dana untuk Masyarakat (Dana CSR)
(251) (293) (120)
CSR Funds
Jumlah Nilai Ekonomi yang
Didistribusikan 1.269.159 1.276.994 1.145.596
Total Economic Value Distributed
Nilai Ekonomi yang Ditahan
220.959 193.243 212.546
Economic Value Retained
Kontribusi kepada negara Contribution to the Nation
Bank menunjukkan komitmen kuat untuk memberikan The Bank demonstrates a strong commitment to
kontribusi kepada negara melalui berbagai program contributing to the nation through various programs and
dan inisiatif yang mendorong pertumbuhan ekonomi initiatives that promote economic growth and enhance
serta kesejahteraan masyarakat luas. Bank secara aktif public welfare. The Bank actively channels financing
menyalurkan pembiayaan ke sektor-sektor strategis to strategic sectors and expands financial access for
dan memperluas akses keuangan bagi UMKM yang micro, small, and medium enterprises (MSMEs), which
berperan krusial dalam menciptakan lapangan kerja serta play a crucial role in job creation and regional economic
menggerakkan ekonomi daerah. Selain itu, Bank memenuhi development. In addition, the Bank fulfills its tax obligations
kewajiban perpajakan secara patuh dan tepat waktu in a compliant and timely manner to support government
untuk mendukung pendapatan negara serta pembiayaan revenues and the financing of public services. This is
layanan publik, di samping penerapan praktik bisnis yang complemented by the implementation of transparent and
transparan dan bertanggung jawab guna memperkuat responsible business practices aimed at strengthening the
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ekonomi nasional serta meningkatkan kualitas hidup national economy and improving the quality of life for the
masyarakat. Penyaluran kredit UMKM Bank pada tahun community. In 2025, the Bank’s MSME lending reached
2025 meningkat 20,25% dari target menjadi Rp2,03 IDR 2.03 trillion, representing an increase of 20.25%
triliun, serta meningkat 15,60% dibandingkan tahun 2024 above the target and a growth of 15.60% compared to
sebesar Rp1,76 triliun. IDR 1.76 trillion in 2024.
Kontribusi Melalui Penyaluran Kredit yang Contribution through Prudent Lending
Bijak
Bank berperan dalam perekonomian melalui penyaluran The Bank contributes to the economy through prudent
kredit yang prudent, memastikan bahwa setiap pembiayaan lending practices, ensuring that each financing decision
tidak hanya menguntungkan bagi institusi tetapi juga not only supports institutional performance but also drives
mendorong kemajuan ekonomi secara keseluruhan. broader economic development. Through rigorous risk
Dengan analisis risiko yang teliti, Bank mengalokasikan analysis, the Bank allocates credit to MSMEs and corporate
kredit kepada UMKM dan korporasi yang memiliki prospek clients with strong growth prospects and the potential to
pertumbuhan kuat serta potensi kontribusi signifikan make meaningful contributions to the national economy.
terhadap perekonomian nasional. Pada tahun 2025, Bank In 2025, the Bank successfully maintained prudent credit
berhasil menyalurkan kredit secara bijaksana, sebagaimana distribution, as reflected in the following credit portfolio
tercermin dalam komposisi portofolio kredit berikut: composition:
2025
Sektor Ekonomi
Economic Sector Juta Rp
%
Million IDR
Pertanian, Kehutanan, dan Perikanan
398.376 2,75
Agriculture, Forestry, and Fisheries
Pertambangan dan Penggalian
751.166 5,19
Mining and Excavation
Industri Pengolahan
7.745.723 53,53
Processing Industry
Pengadaan Listrik, Gas, Uap/Air Panas, dan Udara Dingin
221.616 1,53
Procurement of Electricity, Gas, Steam/Hot Water, and Cold Air
Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan dan Daur Ulang Sampah, dan Aktivitas
Remediasi
2.329 0,02
Water Management, Wastewater Management, Waste Management and Recycling, and
Remediation Activities
Konstruksi
350.947 2,43
Construction
Perdagangan Besar dan Eceran; Reparasi dan Perawatan Mobil dan Sepeda Motor
10,48
Wholesale and Retail Trade; Car and Motorcycle Repair and Maintenance 1.516.963
Pengangkutan dan Pergudangan
10,09
Transportation and Warehouse 1.459.483
Penyediaan Akomodasi dan Penyediaan Makan Minum
0,88
Provision of Accommodation and Provision of Food and Drink 127.456
Informasi dan Komunikasi
0,79
Information and Communication 113.838
Aktivitas Keuangan dan Asuransi
991.748 6,85
Financial Activities and Insurance
Real Estat
315.616 2,18
Real Estate
Aktivitas Profesional, Ilmiah, dan Teknis
163.790 1,13
Professional, Scientific, and Technical Activities
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 451
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Laporan Keberlanjutan • Sustainability Report
2025
Sektor Ekonomi
Economic Sector Juta Rp
%
Million IDR
Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa Hak Opsi, Ketenagakerjaan, Agen
Perjalanan, dan Penunjang Usaha Lainnya
208.636 1,44
Rental and Business Leasing Activities without Option Rights, Employment, Travel Agent, and
Other Business Support
Administrasi Pemerintahan, Pertahanan, dan Jaminan Sosial Wajib
- -
Government Administration, Defense, and Social Security Guarantee
Pendidikan
- -
Education
Aktivitas Kesehatan Manusia dan Aktivitas Sosial
30.656 0,21
Human Health Activities and Social Activities
Kesenian, Hiburan, dan Rekreasi
- -
Arts, Entertainment, and Recreation
Aktivitas Jasa Lainnya
1.529 0,01
Other Service Activities
Aktivitas Rumah Tangga Sebagai Pemberi Kerja; Aktivitas yang Menghasilkan Barang dan
Jasa oleh Rumah Tangga yang Digunakan untuk Memenuhi Kebutuhan Sendiri
- -
Household Activities as Employer; Activities that Produce Goods and Services by
Households, Used to Meet Own Needs
Badan Internasional dan Badan Ekstra Lainnya
- -
International Bodies and Other Extra Bodies
Rumah Tangga
70.493 0,49
Household
Kegiatan yang belum Jelas Batasannya
- -
Activities with unclear Limitations
Jumlah
14.470.366 100,00
Total
Pajak [GRI 207-1, 207-2, 207-3] Taxes [GRI 207-1, 207-2, 207-3]
Kontribusi pajak mencerminkan komitmen Bank dalam Tax contributions reflect the Bank’s commitment to
mendukung pendapatan negara secara patuh dan tepat supporting the nation through timely and compliant
waktu, sekaligus memperkuat peran sebagai institusi fulfillment of its tax obligations, while reinforcing its role as
keuangan yang bertanggung jawab terhadap pembangunan a responsible financial institution contributing to national
nasional melalui pemenuhan regulasi perpajakan yang development. These payments not only ensure fiscal
berlaku. Pembayaran tersebut tidak hanya memenuhi aspek compliance but also support the sustainable financing of
kepatuhan fiskal, tetapi juga turut membiayai program public development programs and essential community
pembangunan publik dan pelayanan masyarakat secara services.
berkelanjutan.
Pada tahun 2025, Bank telah menunaikan kewajiban In 2025, the Bank fulfilled its tax obligations totaling
perpajakannya sebesar Rp220,6 miliar, yang mencakup IDR 220.6 billion, comprising Income Tax Article 21 on
pembayaran PPh Pasal 21 atas penghasilan karyawan, PPh employee income, Income Tax Article 23/26 related to
Pasal 23/26 terkait transaksi usaha, Pajak Pertambahan business transactions, Value Added Tax (VAT) arising from
Nilai (PPN) dari kegiatan operasional, serta PPh Pasal 4 operational activities, and Income Tax Article 4 Paragraph
Ayat 2 atas transaksi tertentu. (2) on certain transactions.
452 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Dampak Ekonomi Tidak Langsung [GRI 203-2] Indirect Economic Impact [GRI 203-2]
Kegiatan Bank menghasilkan dampak ekonomi tidak The Bank’s activities generate indirect economic impacts
langsung melalui manfaat yang melampaui transaksi that extend beyond financial transactions, including
keuangan murni, termasuk stimulasi penciptaan lapangan supporting job creation, strengthening industrial
kerja, penguatan daya saing industri, serta pemberdayaan competitiveness, and empowering local communities.
masyarakat setempat. Penyaluran pembiayaan kepada The strategic allocation of financing to MSMEs further
UMKM secara strategis turut memacu percepatan contributes to accelerating regional economic growth.
pertumbuhan ekonomi di tingkat regional.
Rantai Pasokan [GRI 2-6] Supply Chain [GRI 2-6]
Bank menjalankan kegiatan usaha di bidang perbankan The Bank conducts its business activities in the banking
dengan fokus pada layanan pembiayaan, penghimpunan sector, focusing on financing, fundraising, and the
dana, serta penyediaan layanan perbankan bagi nasabah provision of banking services to corporate, commercial,
korporasi, komersial, dan ritel. Dalam menjalankan and retail customers. In carrying out its operations,
operasionalnya, Bank didukung oleh rantai nilai yang the Bank is supported by a value chain that includes
mencakup hubungan dengan nasabah, penyedia dana, relationships with customers, fund providers, suppliers,
pemasok dan mitra strategis, termasuk penyedia jasa and strategic partners, including information technology
teknologi informasi dan infrastruktur perbankan, serta service providers, banking infrastructure providers,
pemangku kepentingan lainnya. Seluruh aktivitas dan and other stakeholders. All of these business activities
hubungan bisnis tersebut dikelola berdasarkan prinsip tata and relationships are managed in accordance with the
kelola perusahaan yang baik, kepatuhan terhadap peraturan principles of good corporate governance, compliance
perundang-undangan, serta penerapan manajemen risiko with applicable laws and regulations, and effective risk
untuk mendukung keberlanjutan usaha dan penciptaan nilai management, to support business sustainability and long-
jangka panjang. term value creation.
Program Pensiun [GRI 201-3] Pension Program [GRI 201-3]
Bank menyediakan imbalan pascakerja bagi karyawan tetap The Bank provides post-employment benefits to permanent
yang memenuhi kriteria atau telah mencapai usia pensiun employees who meet the eligibility criteria or have reached
normal 55 tahun sesuai dengan Undang-Undang No. 11 the normal retirement age of 55, in accordance with Law No.
Tahun 2020 tentang Cipta Kerja dan Peraturan Pemerintah 11 of 2020 on Job Creation and Government Regulation
No. 35 Tahun 2021. Liabilitas imbalan pascakerja dihitung No. 35 of 2021. Post-employment benefit obligations are
oleh aktuaris independen menggunakan metode Projected calculated by an independent actuary using the Projected
Unit Credit dengan mempertimbangkan asumsi utama, Unit Credit method, taking into account key assumptions
antara lain usia pensiun normal, tingkat mortalitas TMI such as the normal retirement age, TMI IV (2021) mortality
IV (2021), tingkat pengunduran diri, tingkat kenaikan table, employee turnover (resignation) rate, salary growth
gaji, serta tingkat bunga diskonto, sebagai bagian dari rate, and discount rate, as part of prudent and sustainable
pengelolaan kewajiban secara pruden dan berkelanjutan. liability management.
Bantuan Finansial dari Pemerintah [GRI 201-4] Financial Assistance from the Government
[GRI 201-4]
Bank tidak menerima bantuan finansial dari pemerintah, The Bank did not receive any financial assistance from
baik dalam bentuk subsidi, hibah, insentif pajak khusus, the government during the reporting period, whether in
jaminan pinjaman, maupun bentuk bantuan keuangan the form of subsidies, grants, special tax incentives, loan
lainnya, selama periode pelaporan. Seluruh kegiatan guarantees, or other types of support. All operational and
operasional dan pengembangan usaha Bank dibiayai business development activities were financed through
dari sumber pendanaan internal serta aktivitas bisnis internal funding sources, and business activities were
yang dijalankan sesuai dengan prinsip kehati-hatian dan conducted in accordance with prudent principles and
ketentuan peraturan perundang-undangan yang berlaku. applicable laws and regulations.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 453
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Laporan Keberlanjutan • Sustainability Report Kinerja Sosial (Aspek Konsumen) dan Tanggung Jawab Pengembangan Produk/Jasa Keuangan Berkelanjutan [GRI 3-3] Social Performance (Customer Aspects) and Responsible Development of Sustainable Financial Products and Services Kepuasan nasabah menjadi prioritas utama dalam Customer satisfaction is a key priority across all of seluruh operasional Bank, memastikan setiap layanan dan the Bank’s operations, ensuring that every service and interaksi memenuhi ekspektasi tertinggi. Bank mendalami interaction meets high standards of quality and customer kebutuhan nasabah melalui survei kepuasan, analisis expectations. The Bank continuously assesses customer umpan balik, serta pemantauan pola perilaku untuk terus needs through satisfaction surveys, feedback analysis, and menyempurnakan produk dan layanan secara berkelanjutan. behavioral insights to enhance its products and services. Layanan responsif dan personal yang diberikan bertujuan The delivery of responsive and personalized services is menciptakan pengalaman positif serta hubungan jangka aimed at creating positive customer experiences and panjang yang saling menguntungkan. fostering long-term, mutually beneficial relationships. Bank menjunjung tinggi transparansi dan integritas dalam The Bank upholds transparency and integrity in every setiap transaksi, menyediakan informasi produk yang jelas, transaction by providing clear, accurate, and easily akurat, dan mudah dipahami oleh nasabah. Tim layanan understandable product information to customers. pelanggan secara rutin mengikuti pelatihan intensif untuk Customer service personnel receive regular, structured menangani keluhan dengan profesional, memberikan training to handle complaints professionally, deliver timely solusi tepat waktu, dan mendukung nasabah dalam solutions, and support customers in making informed pengambilan keputusan finansial yang optimal. Pendekatan financial decisions. This approach strengthens customer ini memperkuat kepercayaan nasabah dan membedakan trust and enhances the Bank’s competitiveness within the Bank di tengah persaingan industri perbankan. banking industry. Komitmen untuk Memberikan Layanan Commitment to Fair and Equal Treatment Setara Kepada Seluruh Nasabah [POJK51-F.17] of Customers [POJK51-F.17] Bank menegaskan komitmennya dalam menyediakan The Bank reaffirms its commitment to providing equal layanan produk dan jasa secara setara, terlihat dari upaya access to products and services by consistently treating konsisten untuk memberikan perlakuan adil kepada setiap all customers fairly, regardless of their background. Clear nasabah terlepas dari latar belakangnya. Implementasi standards and procedures are applied across all product standar serta prosedur ketat diterapkan pada seluruh and service offerings, ensuring transparency of information, penawaran produk dan jasa, menjamin akses informasi equal access, and appropriate support at every stage of yang transparan, kesetaraan akses, serta dukungan the customer journey. This approach reflects the Bank’s memadai di setiap tahap interaksi nasabah. Pendekatan ini dedication to promoting inclusivity and delivering equitable mencerminkan dedikasi Bank dalam memupuk inklusivitas service quality to all customers. dan kualitas layanan yang merata bagi semua pihak. Pengembangan Produk/Jasa Keuangan Sustainable Financial Products/Services Berkelanjutan [POJK51-F.26] Development [POJK51-F.26] Bank terus mengembangkan produk dan layanan keuangan The Bank continues to develop sustainable financial berkelanjutan dengan fokus utama pada penguatan products and services, with a primary focus on strengthening portofolio pembiayaan UMKM. Penyediaan akses kredit its MSME financing portfolio. Expanding access to credit yang lebih luas bagi UMKM tidak hanya memperkokoh for MSMEs not only reinforces the small and medium ekosistem usaha kecil-menengah, tetapi juga mendukung enterprise ecosystem but also supports the achievement pencapaian agenda keberlanjutan secara menyeluruh. of the Bank’s broader sustainability objectives. Details of Rincian penyaluran kredit UMKM Bank selama tiga tahun the Bank’s MSME lending over the past three years are terakhir disajikan sebagai berikut: presented below: 454 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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dalam miliar Rupiah, kecuali dinyatakan lain | in Billions IDR, unless stated otherwise
Pertumbuhan
(Penurunan)
Uraian Growth (Decrease)
2025 2024
Description
Miliar Rp
%
Billions (IDR)
Jumlah Kredit
14,47 11,71 2,76 23,59
Total Loans
UMKM
2,03 1,76 0,27 15,37
MSMEs
Kredit UMKM (%)
14,06 15,06 (1,00%)
MSMEs Loans (%)
Di samping pembiayaan untuk UMKM, Bank juga telah In addition to financing for MSMEs, the Bank has also
mengimplementasikan berbagai inisiatif pengembangan implemented various product and service development
produk dan layanan, sebagaimana dirinci berikut: initiatives, as detailed below:
Pembiayaan Berkelanjutan Sustainable Financing
Bank aktif mengeksplorasi peluang pasar baru melalui The Bank actively explores new market opportunities
pembiayaan hijau yang mendukung keberlanjutan. Fokus through green financing that supports sustainability. Its
utama diberikan pada pendanaan proyek-proyek dan primary focus is on financing environmentally friendly
teknologi ramah lingkungan yang mencakup dimensi projects and technologies across environmental, social,
lingkungan, sosial, tata kelola, serta ekonomi. Produk governance, and economic dimensions. The Bank offers
pembiayaan yang tersedia meliputi fasilitas modal kerja a range of financing products, including working capital
dan pembiayaan investasi untuk mendorong inisiatif facilities and investment financing, to support and promote
berkelanjutan. sustainable initiatives.
Produk/Jasa yang Sudah Dievaluasi Evaluated Products/Services for Customer
Keamanannya Bagi Nasabah [GRI 416-1] [POJK51-F.27] Security [GRI 416-1] [POJK51-F.27]
Bank secara berkala melakukan penilaian keamanan terhadap The Bank conducts regular security assessments of all
seluruh produk dan layanan yang disediakan kepada products and services provided to customers, ensuring
nasabah, menjamin bahwa setiap penawaran mematuhi that each offering meets high protection standards and
standar perlindungan tinggi serta menjaga kerahasiaan data safeguards the confidentiality of customer data and assets.
dan aset nasabah secara optimal. Evaluasi komprehensif These comprehensive evaluations include in-depth risk
ini meliputi analisis mendalam terhadap berbagai risiko analysis and systematic testing to identify and mitigate
potensial beserta pengujian sistematis untuk mendeteksi potential threats to information security. This proactive
dan menanggulangi ancaman terhadap keamanan informasi approach enhances service reliability while strengthening
nasabah. Pendekatan proaktif ini memastikan keandalan customer confidence in the integrity of the Bank’s
layanan sekaligus memperkuat kepercayaan nasabah operations.
terhadap integritas operasional Bank.
Mitigasi Untuk Menanggulangi Dampak Mitigation Measures for Potential Negative
Negatif Impacts
Bank secara rutin meninjau strategi pengelolaan portofolio The Bank regularly reviews its credit portfolio management
kredit, yang mencakup penetapan kebijakan klasifikasi strategy, which includes establishing economic sector
sektor ekonomi, target pertumbuhan kredit dan segmen classification policies, credit growth targets and market
pasar, pengaturan plafon maksimum per sektor, serta segments, setting maximum credit limits per sector, and
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 455
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Laporan Keberlanjutan • Sustainability Report
kriteria profesi calon peminjam. Kebijakan ini dirancang professional criteria for prospective borrowers. This policy
dengan memerhatikan analisis dinamika pertumbuhan is designed by taking into account analysis of sector
sektor, kualitas portofolio kredit, serta mitigasi risiko dari growth dynamics, credit portfolio quality, and risk mitigation
berbagai kelompok debitur potensial. Demi menjaga for various potential borrower groups. To maintain business
keberlangsungan bisnis dan prinsip kehati-hatian, Bank continuity and the principle of prudence, the Bank conducts
melakukan evaluasi berkala terhadap kerangka kebijakan regular evaluations of its risk industry policy framework,
industri berisiko, yang mengklasifikasikan sektor menjadi which classifies sectors into prospective, selective, and
kategori prospektif, selektif, dan waspada berdasarkan alert categories based on the approval of the Board of
persetujuan Direksi. Directors.
Pemberian kredit ke sektor selektif atau waspada Lending to selective or watchlist sectors requires a
memerlukan pendekatan ekstra hati-hati melalui prosedur heightened level of prudence and adherence to specific
khusus yang telah ditetapkan. Bank juga menetapkan established procedures. In addition, the Bank maintains a
kebijakan tegas terkait sektor industri yang dihindari, strict policy on sectors and borrower profiles to be avoided,
sebagaimana dirinci berikut: as outlined below:
1. Kredit yang diberikan tanpa informasi keuangan 1. Lending without adequate financial information,
yang cukup, kecuali untuk kredit yang mendapatkan except where specific treatment has been applied in
perlakuan yang telah disesuaikan seperlunya oleh Bank; accordance with the Bank’s policies;
2. Kredit yang memerlukan keahlian khusus yang tidak 2. Lending that requires specialized expertise not
dimiliki Bank; available within the Bank;
3. Kredit kepada debitur bermasalah dan/atau macet pada 3. Lending to borrowers classified as problematic and/
institusi keuangan lain atau kreditur lain serta kredit yang or non-performing at other financial institutions or
dijamin oleh guarantor/penjamin individual yang pernah creditors, including loans guaranteed by individuals
masuk dalam daftar kredit bermasalah di institusi lain listed as non-performing at other institutions, included
atau daftar hitam/macet Bank Indonesia atau negative in Bank Indonesia’s blacklist/non-performing loan
list Bank, kecuali yang bersangkutan dinilai kooperatif, list, or recorded on the Bank’s internal negative list—
berkarakter baik dan penyebab kredit bermasalah atau unless the individual is assessed as cooperative and
macet diakibatkan oleh faktor-faktor yang dapat diyakini of good character, and the non-performing condition
tidak bertentangan dengan ketentuan Bank dan peraturan is attributable to factors not in breach of Bank or
regulator, termasuk akibat kondisi perekonomian yang regulatory provisions, such as adverse economic
buruk atau bencana alam; conditions or natural disasters;
4. Kredit untuk perusahaan yang pengurusnya/pemiliknya 4. Lending to companies whose management or
tercatat dalam daftar hitam, kredit macet SLIK dan beneficial owners are listed on blacklists, non-
daftar cekal (cegah dan tangkal), atau melakukan performing loan (SLIK) records, or prevention and
perbuatan tercela di bidang perbankan; deterrence (blacklist) registers, or whose business
activities are deemed inappropriate within the banking
sector;
5. Kredit untuk partai politik, organisasi politik, dan untuk 5. Lending to political parties, political organizations, or
kegiatan-kegiatan politik; activities of a political nature;
6. Kredit kepada orang perseorangan dengan kekebalan 6. Lending to individuals with diplomatic immunity or
diplomatik atau pengurusnya memiliki kekebalan to entities whose management holds diplomatic
diplomatik; immunity;
7. Hal-hal yang berhubungan dengan pengawasan 7. Transactions or activities that do not comply with Anti-
Program Anti-Pencucian Uang dan Pencegahan Money Laundering and Counter-Terrorist Financing
Pendanaan Teroris (APU-PPT); (AML-CFT) requirements;
8. Kredit untuk proyek atau usaha yang secara nyata 8. Lending for projects or business activities that have
membahayakan lingkungan; serta a significant adverse impact on the environment; and
9. Kredit yang tidak sesuai dengan ketentuan-ketentuan 9. Lending that does not comply with applicable laws
hukum yang berlaku. and regulations.
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Kerahasiaan Data Nasabah [GRI 418-1] Customer Data Confidentiality [GRI 418-1]
Perlindungan kerahasiaan data nasabah menjadi fokus Protecting the confidentiality of customer data is a key
utama dalam operasional Bank. Berbagai protokol priority in the Bank’s operations. The Bank has implemented
keamanan canggih telah diterapkan untuk menjaga robust security protocols to safeguard customers’ personal
informasi pribadi dan keuangan nasabah dari ancaman and financial information from unauthorized access. It
akses tidak berwenang. Bank secara konsisten mematuhi consistently complies with the following data protection
ketentuan peraturan perlindungan data nasabah, regulations:
sebagaimana tercantum berikut:
1. Undang-Undang Republik Indonesia No. 27 Tahun 1. Law of the Republic of Indonesia No. 27 of 2022 on
2022 tentang Perlindungan Data Pribadi; Personal Data Protection;
2. Peraturan Bank Indonesia No. 3 Tahun 2023 tentang 2. Bank Indonesia Regulation No. 3 of 2023 on
Perlindungan Konsumen Bank Indonesia; serta Consumer Protection; and
3. Peraturan Otoritas Jasa Keuangan No. 22 Tahun 2023 3. Financial Services Authority Regulation No. 22 of
tentang Perlindungan Konsumen dan Masyarakat di 2023 on Consumer and Public Protection in the
Sektor Jasa Keuangan. Financial Services Sector.
Bank menerapkan sistem akses terbatas yang ketat, The Bank enforces a strict access control system, limiting
membatasi pengelolaan data nasabah hanya pada the handling of customer data to authorized personnel
staf berwenang sesuai kebutuhan jabatan masing- based on their roles and responsibilities. Regular
masing. Audit internal dilakukan secara rutin untuk internal audits are conducted to ensure compliance with
memverifikasi kepatuhan terhadap protokol kerahasiaan confidentiality protocols and to identify potential risks at
serta mendeteksi risiko potensial secara dini. Langkah- an early stage. These measures demonstrate the Bank’s
langkah ini menegaskan dedikasi Bank dalam memelihara commitment to maintaining customer trust and protecting
kepercayaan nasabah, melindungi informasi pribadi dan personal and financial information from misuse or data
finansial dari penyalahgunaan atau kebocoran data. breaches.
Keamanan Simpanan Nasabah [GRI 418-1] Security of Customer Deposits [GRI 418-1]
Sebagai peserta Lembaga Penjamin Simpanan (LPS), As a member of the Deposit Insurance Corporation
Bank menjamin perlindungan simpanan nasabah melalui (LPS), the Bank ensures the protection of customer
jaminan keamanan dana yang disetor. Status keanggotaan deposits by safeguarding deposited funds in accordance
ini memberikan kepastian bahwa simpanan nasabah with applicable regulations. This membership provides
terlindungi hingga batas maksimum yang ditentukan LPS, assurance that customer deposits are protected up to the
sehingga meningkatkan rasa percaya diri nasabah dalam maximum limit set by LPS, thereby enhancing customer
berhemat di Bank. confidence in saving with the Bank.
Dampak Produk dan Jasa [POJK51-F.28] Impact of Products and Services [POJK51-F.28]
Layanan keuangan Bank memberikan kontribusi positif The Bank’s financial services positively contribute to the
terhadap perekonomian dan kesejahteraan masyarakat economy and public welfare by providing credit, savings,
melalui penyediaan kredit, tabungan, serta opsi investasi and investment options that facilitate the achievement of
yang memfasilitasi pencapaian sasaran finansial individu individual and business financial goals. This access also
dan pelaku usaha. Akses ini turut memperkuat pertumbuhan strengthens the growth of MSMEs while broadening
UMKM sekaligus memperluas inklusi keuangan secara luas. financial inclusion. However, the potential negative effects
Namun, potensi efek negatif dari produk dan jasa tersebut, of these products and services, such as the risk of non-
seperti risiko kredit macet akibat pemberian pembiayaan performing loans due to poorly managed financing, require
yang kurang terkelola, memerlukan pengendalian ketat strict controls to prevent losses for both the Bank and
untuk mencegah kerugian bagi Bank maupun nasabah. customers. The Bank implements a robust risk mitigation
Bank menerapkan strategi mitigasi risiko yang kokoh strategy accompanied by an intensive customer education
disertai program edukasi nasabah intensif guna menekan program to effectively mitigate adverse impacts.
dampak buruk secara efektif.
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Jumlah Produk yang Ditarik Kembali Number of Recalled Products [GRI416-2] [POJK51-F.29]
[GRI416-2] [POJK51-F.29]
Bank berhasil mempertahankan kualitas unggul dan The Bank maintained the quality and reliability of all
keandalan seluruh produknya sepanjang tahun 2025, its products throughout 2025, with no product recalls
sehingga tidak ada satupun produk yang memerlukan reported. In addition, there were no material customer
penarikan kembali. Selain itu, tidak tercatat adanya kasus complaints related to the products and services offered
material dari nasabah yang berpotensi merusak reputasi that could adversely affect the Bank’s reputation. This
Bank terkait produk dan layanan yang ditawarkan. Prestasi performance reflects the effectiveness of the Bank’s quality
ini menegaskan efektivitas sistem pengendalian kualitas dan control systems and the responsiveness of its teams in
responsivitas tim dalam menjaga kepercayaan pelanggan. maintaining customer trust.
Survei Kepuasan Nasabah [POJK51-F.30] Customer Satisfaction Survey [POJK51-F.30]
Bank secara berkala melaksanakan survei kepuasan The Bank regularly conducts customer satisfaction surveys
pelanggan untuk menangkap aspirasi, kebutuhan, dan to capture customer expectations, needs, and satisfaction
tingkat keterpuasan terhadap produk serta layanan yang levels with its products and services. The results are
ditawarkan. Analisis mendalam terhadap hasil survei analyzed in depth to identify areas for improvement and
digunakan untuk mendeteksi area yang perlu diperbaiki dan further development. Based on this feedback, the Bank
dikembangkan lebih lanjut. Melalui umpan balik nasabah ini, implements proactive measures to continuously enhance
Bank mengambil tindakan antisipatif guna menyempurnakan the customer experience.
pengalaman layanan secara berkelanjutan. Penilaian indeks The customer satisfaction index serves as the primary tool
kepuasan pelanggan menjadi instrumen utama dalam for measuring product and service quality performance,
mengukur performa kualitas produk dan jasa, dengan based on the following indicators:
evaluasi dilakukan terhadap indikator-indikator berikut:
1. Kepuasan terkait pelayanan frontliner; 1. Satisfaction with frontline services;
2. Penguasaan produk dan keramahtamahan frontliner; 2. Product knowledge and service quality of frontline
personnel;
3. Ketuntasan frontliner dalam memberikan penjelasan 3. The clarity and completeness of information provided
terhadap informasi yang nasabah butuhkan; serta by frontline staff; and
4. Tingkat kenyamanan dan kebersihan yang nasabah 4. The level of comfort and cleanliness experienced by
rasakan selama bertransaksi di Kantor Cabang. customers during transactions at branch offices.
Berdasarkan hasil pengukuran tahun 2025, kepuasan Based on the 2025 assessment results, the Bank recorded
nasabah Bank menunjukkan hasil yang memuaskan. an overall customer satisfaction rating at a satisfactory level.
Penanganan Pengaduan Nasabah PT Bank IBK Indonesia Tbk
Handling Customer Complaints Wisma GKBI Suite UG-01
Jl. Jend. Sudirman No. 28
Jakarta Pusat 10210, Indonesia
Telp : (021) 5790 8888
Fax : (021) 5790 6888
Email : corsec@ibk.co.id
Website : www.ibk.co.id
Pada tahun 2025, Bank mencatat tingkat penyelesaian In 2025, the Bank achieved a 100% resolution rate for all
100% terhadap seluruh keluhan nasabah. Dominasi customer complaints. The majority of complaints related
pengaduan tercatat pada layanan ATM yang tidak bisa to ATM service disruptions (30.8%) and e-banking
digunakan (30,8%) dan e-banking (22,6%) yang ditangani services (22.6%), all of which were addressed effectively.
secara menyeluruh. Selain itu, Bank menyediakan In addition, the Bank provides a whistleblowing system as a
whistleblowing system sebagai kanal aman dan anonim bagi secure and confidential channel for employees, customers,
karyawan, nasabah, serta pihak eksternal untuk melaporkan and external parties to report suspected fraud, corruption,
kecurangan, korupsi, atau pelanggaran etika bisnis yang or violations of business ethics, in accordance with the
bertentangan dengan kebijakan dan Kode Etik Bank. Bank’s policies and Code of Ethics.
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Kinerja Sosial (Ketenagakerjaan) [GRI 3-3]
Social Performance
Bank menegaskan komitmen kuat dalam pengelolaan The Bank reaffirms its commitment to inclusive and responsible
sumber daya manusia yang inklusif dan bertanggung jawab, human resource management, with a focus on fostering
dengan menekankan penciptaan ekosistem kerja yang a safe, equitable, and supportive work environment that
aman, setara, dan memacu potensi individu. Karyawan enables employees to realize their full potential. Employees
dipandang sebagai aset strategis utama, sehingga setiap are recognized as a key strategic asset; accordingly, the Bank
elemen lingkungan kerja dirancang untuk memenuhi standar ensures that all aspects of the workplace meet appropriate
keselamatan, kesehatan, dan kepuasan optimal. Bank secara standards of safety, health, and employee well-being. The
konsisten membuka peluang pengembangan berkelanjutan Bank also provides continuous development opportunities
bagi seluruh karyawan melalui program pelatihan intensif through structured training programs and transparent career
dan jalur karier yang transparan, mendorong pencapaian pathways, supporting the progressive achievement of
aspirasi profesional secara bertahap. employees’ professional aspirations.
Upaya pendukung kesejahteraan karyawan diwujudkan Efforts to promote employee well-being are further supported
melalui kebijakan work-life balance yang efektif, meliputi by the implementation of work-life balance policies, including
jam kerja fleksibel dan fasilitas cuti yang memadai untuk flexible working arrangements and adequate leave provisions
menyeimbangkan tuntutan profesional dengan kebutuhan to help employees balance professional responsibilities
pribadi. Pendekatan holistik ini tidak hanya meningkatkan with personal needs. This holistic approach not only
kompetensi tim, tetapi juga memperkuat loyalitas dan enhances employee capabilities but also strengthens overall
produktivitas secara keseluruhan. engagement, loyalty, and productivity.
Tingkat Turnover [GRI 401-1] Turnover Rate [GRI 401-1]
Bank menjalankan proses rekrutmen yang terbuka dan The Bank implements an open and transparent recruitment
akuntabel untuk menarik talenta terbaik sesuai kebutuhan process to attract qualified talent in line with the requirements
setiap jabatan. Pengumuman lowongan disebar melalui of each position. Job vacancies are advertised through various
beragam kanal digital dan platform daring guna menjangkau digital channels and online platforms to reach candidates
kandidat dari berbagai latar belakang. Tahap seleksi from diverse backgrounds. The selection process includes
mencakup wawancara intensif, tes kemampuan teknis, dan structured interviews, technical assessments, and cultural fit
evaluasi budaya kerja untuk memastikan kecocokan nilai evaluations to ensure alignment with the Bank’s values and
dan kompetensi dengan visi Bank. competency requirements.
Setelah terpilih, kandidat baru menjalani program on- Upon recruitment, new employees participate in a
boarding menyeluruh beserta pelatihan adaptif agar cepat comprehensive onboarding program and adaptive training
terintegrasi dalam operasional. Khusus bagi staf cabang, to support their integration into the Bank’s operations. For
orientasi diperkaya dengan sesi tatap muka bersama unit branch personnel, orientation is further enhanced through in-
pusat seperti Corporate Banking, Retail & Digital Banking, person sessions with key central units, including Corporate
Finance, Operasional, Compliance, Risk Management, dan Banking, Retail & Digital Banking, Finance, Operations,
HR, mempercepat adaptasi dan kolaborasi lintas divisi. Compliance, Risk Management, and Human Resources,
Rincian fluktuasi karyawan (masuk dan keluar) selama tiga to accelerate adaptation and strengthen cross-functional
tahun terakhir disajikan sebagai berikut: collaboration. Details of employee turnover (hiring and
separation) over the past three years are presented below:
Uraian
2025 2024 2023
Description
Karyawan Masuk
66 139 145
Employees Recruited
Karyawan Keluar
77 106 85
Employees Leaving
Jumlah Karyawan
593 604 573
Total Employees
Perputaran Karyawan Rata-Rata Bulanan (%)
1,08 1,47 1,29
Monthly Average Employee Turnover (%)
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Pada tahun 2025, Bank telah merekrut 66 karyawan baru, In 2025, the Bank recruited 66 new employees,
setara dengan 11,13% dari total tenaga kerja. Di sisi representing 11.13% of its total workforce. During the
lain, terdapat 77 karyawan yang mengundurkan diri, atau same period, 77 employees separated from the Bank,
12,98% dari keseluruhan karyawan. Akibatnya, tingkat equivalent to 12.98% of the total workforce. As a result,
turnover karyawan rata-rata bulanan Bank mencapai the Bank’s average monthly employee turnover rate was
1,08%. recorded at 1.08%.
Kesetaraan Gender dalam Bekerja [POJK51-F.18] Gender Equality in the Workplace [POJK51-F.18]
Bank menjunjung komitmen kuat dalam membangun The Bank reaffirms its commitment to fostering an inclusive
lingkungan kerja yang inklusif dan setara, di mana setiap and equitable work environment in which all employees
karyawan dihargai dengan penuh penghormatan serta are treated with respect and provided with equal
mendapat peluang yang sama tanpa memandang latar opportunities, regardless of background, gender, religion,
belakang, gender, agama, atau etnis. Kebijakan non- or ethnicity. A non-discrimination policy is consistently
diskriminasi diterapkan secara konsisten pada proses applied across recruitment, career development, and
rekrutmen, pengembangan karier, dan evaluasi kinerja untuk performance evaluation processes to ensure objectivity
menjamin objektivitas dan keterbukaan penuh. Komposisi and transparency. Gender diversity across organizational
kesetaraan gender di berbagai tingkatan jabatan tercermin levels is reflected in the composition of male and female
dari proporsi karyawan pria dan wanita pada tahun 2025, employees in 2025, as presented below:
sebagaimana dirinci berikut:
Pria Wanita
Level Jabatan Male Female
Level of Positions Jumlah Jumlah
% %
Total Total
Entry-level 119 38,26 192 61,74
Executive-level 21 95,45 1 4,55
Mid-level 115 56,93 87 43,07
Senior-level 44 75,86 14 24,14
Jumlah
299 50,42 294 49,58
Total
Bank mempromosikan komunikasi terbuka dan dialog yang The Bank promotes open communication and transparent
jujur antar karyawan untuk memastikan setiap aspirasi dialogue among employees to ensure that their perspectives
dan masukan mendapat perhatian penuh. Inisiatif ini and feedback are appropriately considered. This approach
bertujuan membentuk ekosistem kerja yang mendukung aims to create a work environment that effectively supports
kesejahteraan karyawan secara optimal. Budaya inklusif employee well-being. An inclusive and collaborative culture
dan kolaboratif tidak hanya meningkatkan kepuasan serta not only enhances employee satisfaction and retention
retensi karyawan, tetapi juga memicu kreativitas dan but also fosters innovation and sustainable operational
efisiensi operasional yang berkelanjutan guna mendukung efficiency, supporting the Bank’s long-term strategic
kemajuan strategis Bank. objectives.
Rincian demografi tenaga kerja Bank disajikan sebagai The demographic profile of the Bank’s workforce is
berikut: presented below:
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Komposisi Karyawan [GRI 2-7, 2-8, 405-1]
Employee Composition
Komposisi Karyawan Berdasarkan Jenis Kelamin [POJK51-C.3]
Employee Composition by Gender
2025 2024 2023
Jenis Kelamin
Gender Jumlah Jumlah Jumlah
% % %
Total Total Total
Pria
299 50,42 296 49,01 278 48,52
Male
Wanita
294 49,58 308 50,99 295 51,48
Female
Jumlah
593 100,00 604 100,00 573 100,00
Total
Komposisi Karyawan Berdasarkan Level Organisasi [POJK51-C.3]
Employee Composition by Organizational Level
2025 2024 2023
Level Organisasi
Organizational Level Jumlah Jumlah Jumlah
% % %
Total Total Total
Staf
419 70,66 353 58,44 316 55,15
Staff
Spesialis (Pengawas)
84 14,17 141 23,34 114 19,90
Specialist (Supervisor)
Manajer
78 13,15 46 7,62 124 21,64
Manager
Konsultan, Tenaga Ahli, atau Advisor
3 0,51 55 9,11 12 2,09
Consultant, Expert, or Advisor
Direktur
5 0,84 5 0,83 5 0,87
Director
Komisaris
4 0,67 4 0,66 4 0,35
Commissioner
Jumlah
593 100,00 604 100,00 573 100,00
Total
Komposisi Karyawan Berdasarkan Usia [POJK51-C.3]
Employee Composition by Age
2025 2024 2023
Interval Usia
Age Interval Jumlah Jumlah Jumlah
% % %
Total Total Total
<25 tahun
24 4,05 36 5,96 34 5,93
<25 years old
25-34 tahun
275 46,37 284 47,02 252 43,98
25–34 years old
35-49 tahun
247 41,65 234 38,74 105 18,32
35–49 years old
>50 tahun
47 7,93 50 8,28 182 31,76
>50 years old
Jumlah
593 100,00 604 100,00 573 100,00
Total
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Komposisi Karyawan Berdasarkan Tingkat Pendidikan [POJK51-C.3]
Employee Composition by Education Level
2025 2024 2023
Tingkat Pendidikan
Level of Education Jumlah Jumlah Jumlah
% % %
Total Total Total
SMA atau Setara
50 8,43 53 8,77 51 8,90
Senior Highschool or Equivalent
Diploma
40 6,75 43 7,12 47 8,20
Diploma
Sarjana
467 78,75 476 78,81 437 76,27
Bachelor
Pasca Sarjana
36 6,07 32 5,30 38 6,63
Postgraduate
Jumlah
593 100,00 604 100,00 573 100,00
Total
Komposisi Karyawan Berdasarkan Status Ketenagakerjaan [POJK51-C.3]
Employee Composition by Education Level
2025 2024 2023
Status Ketenagakerjaan
Employment Status Jumlah Jumlah Jumlah
% % %
Total Total Total
Kontrak
56 9,44 66 10,93 76 13,26
Temporary
Tetap
537 90,56 538 89,07 497 86,74
Permanent
Jumlah
593 100,00 604 100,00 573 100,00
Total
Jumlah Level Karyawan yang Dimiliki oleh Pria dan Wanita Berdasarkan Kelompok
Usia di Tahun 2025
Number of Employee Levels Held by Male and Female by Age Group in 2025
Entry-level Executive Mid-Level Senior Jumlah
Interval Usia Karyawan
Age Interval Pria Wanita Pria Wanita Pria Wanita Pria Wanita Total
Male Female Male Female Male Female Male Female Employee
18-24 Tahun
9 15 - - - - - - 24
18-24 years old
25-34 Tahun
67 122 - - 54 30 2 - 275
25-34 years old
35-44 Tahun
28 44 7 - 49 38 29 11 206
35-44 years old
45-54 Tahun
15 9 4 - 10 19 12 3 72
45-54 years old
>55 Tahun
- 2 10 1 2 - 1 - 16
>55 years old
Jumlah
119 192 21 1 115 87 44 14 593
Total
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Laporan Keberlanjutan • Sustainability Report Seluruh karyawan yang dicakup dalam demografi di All employees included in the demographic data above atas merupakan pegawai dengan status hubungan kerja are individuals with a direct employment relationship langsung dengan Bank. Hingga saat ini, Bank belum with the Bank. As of the reporting period, the Bank has melakukan pendataan atau pengukuran terpisah terkait not conducted separate data collection or measurement jumlah tenaga kerja yang berasal dari kontraktor dan/atau regarding workers engaged through contractors and/or konsultan. consultants. Tenaga Kerja Anak dan Tenaga Kerja Child Labor and Forced Labor Paksa [GRI 408-1, 409-1] [POJK51-F.19] [GRI 408-1, 409-1] [POJK51-F.19] Bank menegaskan dukungannya terhadap perlindungan The Bank reaffirms its commitment to respecting and Hak Asasi Manusia (HAM) dengan menolak segala bentuk protecting human rights by strictly prohibiting all forms of eksploitasi tenaga kerja anak maupun kerja paksa dalam child labor and forced labor across its operations. Such seluruh aktivitas operasional. Praktik tersebut tidak hanya practices not only violate legal and ethical standards but bertentangan dengan ketentuan hukum dan prinsip etika, also pose risks to the Bank’s credibility and long-term tetapi juga mengancam kredibilitas serta keberlanjutan business sustainability. The Bank implements working bisnis Bank dalam jangka panjang. Bank menerapkan hours in accordance with applicable labor regulations, ketentuan waktu kerja yang patuh pada regulasi namely 40 hours per week with at least one mandatory ketenagakerjaan, yakni 40 jam per minggu dengan hari day off, to ensure a balance between productivity and libur wajib satu hari, untuk menjamin keseimbangan antara employee rights. produktivitas dan hak pekerja. Pendekatan berbasis keadilan dan penghormatan terhadap This commitment to fairness and respect for employee hak karyawan ini menciptakan lingkungan kerja yang sehat, rights fosters a healthy, safe, and productive work aman, serta produktif, sekaligus memperkuat kontribusi environment, while supporting sustainable socio-economic terhadap kemajuan sosial-ekonomi berkelanjutan. Demi development. To ensure the absence of child and forced menjamin bebas dari tenaga kerja anak dan paksa, Bank labor, the Bank refers to Article 1, Number 26 of the merujuk Pasal 1 Angka 26 UU Ketenagakerjaan yang Manpower Law, which defines a child as any individual mendefinisikan anak sebagai individu di bawah 18 tahun. under 18 years of age. The Bank’s recruitment process Proses rekrutmen difokuskan pada kandidat mahasiswa prioritizes candidates who meet the minimum legal working aktif dengan pengalaman kerja sebelumnya (memastikan age requirements, including individuals with prior work usia di atas 18 tahun) atau fresh graduate berusia minimal experience or recent graduates, ensuring full compliance 21 tahun, sehingga kepatuhan terhadap standar usia kerja with applicable labor standards. terjaga sepenuhnya. Kerja paksa didefinisikan sebagai aktivitas kerja di bawah Forced labor, defined as any work performed under tekanan atau ancaman hukuman tanpa persetujuan coercion or threat of penalty without the voluntary consent sukarela pekerja, sepenuhnya ditolak dalam operasional of the individual, is strictly prohibited in the Bank’s Bank IBK Indonesia. Setiap karyawan terikat kontrak kerja operations. All employees are engaged under mutually yang disepakati bersama antara pekerja dan pemberi kerja, agreed employment contracts, ensuring that no element of dengan jaminan bahwa tidak ada elemen pemaksaan atau coercion or unilateral sanctions is present. This framework sanksi sepihak. Mekanisme ini menegaskan bebasnya reinforces the Bank’s commitment to maintaining a praktik kerja paksa di seluruh lingkungan Bank. workplace free from forced labor practices. Kebijakan Terkait Pelecehan Seksual dan/ Sexual Harassment and/or Non- atau Non-Diskriminasi [GRI 406-1] Discrimination Policy [GRI 406-1] Bank teguh menegaskan komitmen menciptakan The Bank reaffirms its commitment to fostering a safe lingkungan kerja yang aman, inklusif, dan terbebas dari and inclusive work environment that is free from sexual pelecehan seksual maupun segala bentuk diskriminasi. harassment and all forms of discrimination. Policies on Kebijakan pencegahan pelecehan seksual dan non- the prevention of sexual harassment and discrimination diskriminasi diterapkan secara komprehensif terhadap are implemented comprehensively across all employees, seluruh karyawan, nasabah, dan mitra bisnis, menjamin customers, and business partners, ensuring respectful PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 463
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perlakuan hormat tanpa memandang gender, ras, agama, treatment regardless of gender, race, religion, disability, or
disabilitas, atau karakteristik lainnya. Bank bersikap nol other characteristics. The Bank adopts a zero-tolerance
toleransi terhadap pelecehan seksual, diskriminasi, atau approach to any form of sexual harassment, discrimination,
intimidasi dalam bentuk apapun, baik langsung maupun or intimidation, whether overt or subtle. As part of its
terselubung. Sebagai langkah konkret, survei triwulanan ongoing efforts, the Bank conducts quarterly employee
dilakukan kepada seluruh karyawan untuk mendeteksi surveys to identify potential cases of sexual harassment
kasus kekerasan seksual dan bullying, dengan mekanisme and workplace bullying. These are supported by reporting
pelaporan yang menjamin anonimitas pelapor serta respons mechanisms that ensure confidentiality and enable prompt
cepat dari manajemen. and appropriate responses from management.
Kebijakan Mengenai Hak Asasi Manusia Human Rights Policy [GRI 410-1]
(HAM) [GRI 410-1]
Bank menegaskan dedikasi penuh dalam menghormati, The Bank reaffirms its commitment to respecting,
melindungi, dan mengimplementasikan Hak Asasi Manusia protecting, and upholding human rights across all its
(HAM) di seluruh aktivitas operasionalnya. Kebijakan operations. A robust human rights policy ensures equal
perlindungan HAM yang ketat menjamin perlakuan treatment, respect for individual rights, and fair access
setara, penghargaan terhadap hak individu, serta akses to opportunities for employees, customers, and business
peluang yang adil bagi karyawan, nasabah, dan mitra partners. The Bank also provides accessible reporting
bisnis. Bank menyediakan saluran pelaporan yang terbuka channels, supported by ongoing awareness and training
disertai program sosialisasi dan pelatihan intensif untuk programs, to foster a corporate culture grounded in fairness,
menanamkan budaya perusahaan yang berakar pada equality, and integrity. Throughout 2025, no human rights
keadilan, kesetaraan, dan integritas tinggi. Sepanjang violations were recorded, reflecting the Bank’s effective
tahun 2025, tidak tercatat adanya pelanggaran HAM sedikit implementation of its human rights commitments and
pun, yang menggambarkan keberhasilan Bank dalam its success in maintaining an inclusive, safe, and secure
membentuk lingkungan kerja serta layanan yang inklusif, environment, free from discrimination and exploitation.
aman, dan bebas dari diskriminasi maupun eksploitasi.
Pengembangan Karyawan dan Kemajuan Employee Development and Career
Karier Advancement
Bank mengintensifkan pengembangan talenta dan The Bank strengthens talent development and career
kemajuan karier melalui inisiatif strategis seperti program advancement through strategic initiatives, including the
Best Employee, yang menyasar karyawan unggul dengan Best Employee program, which identifies high-performing
potensi kepemimpinan masa depan. Karyawan terpilih employees with strong leadership potential. Selected
ini menerima penghargaan, pelatihan khusus, serta employees receive recognition, targeted training, and
pengembangan intensif melalui Talent Management structured development through the Bank’s Talent
untuk mengisi posisi kunci dengan kompetensi optimal. Management program to prepare them for key roles with the
Identifikasi talenta dilakukan secara komprehensif guna required competencies. Talent identification is conducted
memaksimalkan kontribusi individu bagi pertumbuhan Bank systematically to optimize individual contributions to the
dan perkembangan pribadi jangka panjang. Bank’s growth while supporting long-term employee
development.
Proses promosi dan rotasi SDM diatur melalui Standar The Bank’s promotion and rotation processes are
Operasional Prosedur (SOP) yang dievaluasi dua kali governed by Standard Operating Procedures (SOPs),
setahun, memungkinkan karyawan berprestasi maju melalui which are reviewed periodically to ensure relevance and
promosi maupun perpindahan antar unit. Pembaruan effectiveness. These processes enable high-performing
struktur remunerasi terbaru meningkatkan fleksibilitas employees to advance through promotions and cross-
dalam mempertahankan talenta internal sekaligus functional rotations. The updated remuneration structure
menarik kandidat eksternal berkualitas. Sistem Individual enhances flexibility in retaining internal talent while attracting
Performance Management, khususnya di Divisi Marketing, qualified external candidates. In addition, the Individual
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memberikan pemantauan terstruktur dengan target jelas, di Performance Management system, particularly within
mana penilaian kinerja terkait langsung dengan kompensasi the Marketing Division, provides structured performance
melalui prinsip Pay for Performance untuk mendorong monitoring with clearly defined targets. Performance
produktivitas dan loyalitas maksimal. evaluations are directly linked to compensation through a
pay-for-performance approach, reinforcing accountability,
productivity, and employee engagement.
Pengembangan Karier Career Development
Bank memajukan pengembangan karier karyawan melalui The Bank supports employee career development through a
beragam program strategis yang meningkatkan kompetensi range of strategic programs aimed at continuously enhancing
dan keterampilan secara berkelanjutan. Inisiatif unggulan competencies and skills. The flagship Promotion Award
Promotion Award memberikan penghargaan kepada program recognizes high-performing and high-potential
karyawan berkinerja tinggi dan potensial, memotivasi employees, motivating them to contribute effectively to the
peningkatan kontribusi maksimal bagi kemajuan Bank. Bank’s growth. Through this initiative, selected employees
Melalui program ini, peserta memperoleh kesempatan are provided with promotion opportunities, targeted training,
promosi jabatan, pelatihan mendalam, serta akses sumber and access to comprehensive professional development
daya pengembangan profesional komprehensif. Promotion resources. The Promotion Award program serves as a key
Award berfungsi sebagai katalisator pengelolaan talenta, component of the Bank’s talent management framework,
memperkuat rasa dihargai karyawan sekaligus menjamin reinforcing employee recognition while ensuring the
ketersediaan bakat internal untuk mendukung pertumbuhan availability of qualified internal talent to support long-term
bisnis jangka panjang. business growth.
Rasio Gaji Terendah dengan Standar Upah Ratio of Entry Level Salary Compared to
Minimum [GRI 202-1] [POJK51-F.20] Minimum Wage Standard [GRI 202-1] [POJK51-F.20]
Bank menjamin kepatuhan penuh terhadap regulasi upah The Bank ensures full compliance with applicable minimum
minimum dengan menetapkan upah terendah yang setara wage regulations by setting employee compensation at or
atau lebih tinggi dari standar yang ditetapkan. Komitmen above the mandated minimum standards. This commitment
ini menjadi pilar utama dalam membentuk lingkungan kerja is a key component in fostering a fair and equitable work
yang adil dan mendukung kesejahteraan karyawan secara environment while supporting overall employee well-being.
menyeluruh. Pemberian kompensasi yang kompetitif tidak Competitive remuneration not only enhances employees’
hanya meningkatkan kualitas hidup tim, tetapi juga memacu quality of life but also encourages optimal contributions
semangat kontribusi optimal menuju pencapaian visi Bank. toward achieving the Bank’s strategic objectives. A detailed
Rincian perbandingan upah minimum karyawan dengan comparison between the Bank’s minimum employee
Upah Minimum Regional (UMR) disajikan sebagai berikut: compensation and the applicable Regional Minimum Wage
(UMR) is presented below:
Persentase
Perbandingan Upah
Karyawan Tetap Bank
Upah Karyawan
Terendah dengan Upah
Upah Minimum Tetap Bank Terendah
Minimum Regional
Regional (Rp)
Wilayah (%)
(Rp) Lowest Wages of the
Region Regional Minimum Wages Bank’s Permanent
Percentage of Comparison
of Lowest Wages of
(IDR) Employee
the Bank’s Permanent
(IDR)
Employee with Regional
Minimum Wages
(%)
DKI Jakarta 5.396.761 5.396.761 100,00
Banten (Tangerang) 5.069.708 5.200.000 102,57
Jawa Barat | West Java (Bandung) 4.482.914 5.100.000 113,76
Jawa Barat | West Java (Cikarang) 5.558.515 5.670.000 102,00
Jawa Tengah | Central Java (Semarang) 3.454.827 4.926.000 142,58
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Persentase
Perbandingan Upah
Karyawan Tetap Bank
Upah Karyawan
Terendah dengan Upah
Upah Minimum Tetap Bank Terendah
Minimum Regional
Regional (Rp)
Wilayah (%)
(Rp) Lowest Wages of the
Region Regional Minimum Wages Bank’s Permanent
Percentage of Comparison
of Lowest Wages of
(IDR) Employee
the Bank’s Permanent
(IDR)
Employee with Regional
Minimum Wages
(%)
Jawa Tengah | Central Java (Solo) 2.416.560 4.200.000 173,80
Jawa Timur | East Java (Surabaya) 4.961.753 5.161.000 104,01
Sumatra Utara | North Sumatra (Medan) 4.014.072 4.215.000 105,00
Sumatra Selatan | South Sumatra (Palembang) 3.916.635 4.665.000 119,10
Lampung 3.305.367 4.028.000 121,86
Kalimantan Barat | West Kalimantan (Pontianak) 3.024.820 3.777.500 124,88
Riau (Pekanbaru) 3.675.938 3.700.000 100,65
Struktur kompensasi karyawan tetap Bank mencakup gaji The Bank’s compensation structure for permanent
pokok, kontribusi BPJS Ketenagakerjaan dan Kesehatan, employees includes base salary, contributions to BPJS
tunjangan hari raya, serta bonus dan insentif berbasis Ketenagakerjaan and health insurance, holiday allowances,
pencapaian kinerja. Secara rutin, Bank melakukan review as well as performance-based bonuses and incentives.
terhadap skema remunerasi, memperbarui tingkat gaji The Bank regularly reviews its remuneration framework,
serta klasifikasi jabatan berdasarkan hasil survei upah adjusting salary levels and job classifications based on
guna menjaga daya saing. Pendekatan ini memastikan market wage surveys to maintain competitiveness. This
produktivitas tim terjaga optimal sekaligus menjadikan approach supports optimal workforce productivity while
Bank sebagai magnet bagi talenta berkualitas tinggi. positioning the Bank as an attractive employer for high-
quality talent.
Fasilitas [GRI 401-2] Facilities [GRI 401-2]
Bank menyediakan beragam fasilitas pendukung The Bank provides a range of facilities to support employee
kesejahteraan dan produktivitas karyawan secara welfare and productivity. A fair and equitable remuneration
menyeluruh. Struktur remunerasi yang adil dan merata structure is implemented across all levels, based on
diterapkan di semua jenjang berdasarkan evaluasi kinerja, performance evaluations, industry benchmarks, applicable
benchmarking industri, regulasi ketenagakerjaan, serta employment regulations, and the Bank’s financial capacity,
kapasitas finansial Bank, dengan penyesuaian terhadap with adjustments linked to the achievement of pre-defined
pencapaian KPI individu maupun cabang yang telah individual and branch KPIs. This performance-based
direncanakan sebelumnya. Kompensasi berbasis kinerja approach is reinforced through regular reviews of salary
ini diperkuat melalui evaluasi berkala standar gaji dengan structures, taking into account market dynamics and policy
mempertimbangkan dinamika pasar dan review kebijakan updates.
yang ada.
Bank juga mengintegrasikan karyawan dalam program The Bank also enrolls employees in the BPJS Kesehatan
BPJS Kesehatan untuk jaminan layanan kesehatan program to ensure comprehensive healthcare coverage,
komprehensif, disertai tunjangan, bonus kinerja, dan insentif complemented by allowances, performance bonuses, and
variabel lainnya. Kegiatan seni, budaya, serta olahraga other variable incentives. In addition, the Bank facilitates
difasilitasi untuk mempererat kebersamaan dan solidaritas arts, cultural, and sports activities to strengthen team
tim. Pendekatan holistik ini membentuk lingkungan kerja cohesion and collaboration. This holistic approach fosters
yang empowering, memotivasi karyawan berkontribusi a supportive work environment, encouraging employees to
maksimal bagi kesuksesan bersama Bank. contribute effectively to the Bank’s shared success.
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Cuti Melahirkan [GRI 401-3] Maternity Leave [GRI 401-3]
Bank memberikan hak cuti melahirkan kepada karyawan The Bank provides maternity leave to female employees
wanita serta hak cuti ayah bagi karyawan pria yang and paternity leave to male employees whose partners give
pasangannya melahirkan, sesuai ketentuan Peraturan birth, in accordance with Company Regulations and the
Perusahaan dan Kebijakan SDM Bank. Bank’s human resources policies.
Pada tahun 2025, jumlah pegawai perempuan yang In 2025, 17 female employees took maternity leave, while
mengambil cuti melahirkan sebanyak 17 orang dan pegawai 19 male employees took paternity leave. Of the female
pria yang mengambil cuti karena istrinya melahirkan employees who completed their maternity leave, 14
sebanyak 19 orang. Pegawai perempuan yang telah 82.35% returned to work. All male employees who took
selesai mengambil cuti melahirkan, kemudian memutuskan paternity leave also returned to work.
untuk kembali bekerja berjumlah 14 orang atau 82,35%.
Pegawai pria yang mengambil cuti tersebut juga semuanya
telah kembali bekerja.
Kebebasan Berserikat dan Perjanjian Freedom of Association and Collective
Perundingan Kolektif [GRI 2-30] Bargaining Agreements [GRI 2-30]
Bank hingga saat ini belum memiliki serikat pekerja maupun The Bank currently does not have a labor union or a
Perjanjian Kerja Bersama (PKB). Meskipun demikian, Bank collective bargaining agreement (CBA). Nevertheless,
tetap menghormati prinsip kebebasan berserikat serta hak it upholds the principle of freedom of association and
karyawan untuk menyampaikan aspirasi secara terbuka respects employees’ rights to express their views and
sesuai dengan ketentuan peraturan perundang-undangan concerns in accordance with applicable labor laws and
ketenagakerjaan yang berlaku. Untuk menjaga hubungan regulations. To maintain harmonious industrial relations,
industrial yang harmonis, Bank menyediakan berbagai the Bank provides various communication and dialogue
mekanisme komunikasi dan dialog antara manajemen dan mechanisms between management and employees,
karyawan, termasuk forum komunikasi internal, pertemuan including internal communication forums, regular
rutin, serta saluran penyampaian aspirasi dan pengaduan. meetings, and established channels for raising concerns
Seluruh kebijakan dan praktik ketenagakerjaan, termasuk and grievances. All employment policies and practices—
terkait upah, kesejahteraan, jam kerja, serta kesehatan covering areas such as wages, benefits, working hours,
dan keselamatan kerja, diatur secara transparan dalam and occupational health and safety—are clearly defined in
peraturan internal dan disosialisasikan kepada seluruh internal regulations and communicated to all employees to
karyawan guna memastikan terciptanya lingkungan kerja ensure a fair, inclusive, and conducive work environment.
yang adil, inklusif, dan kondusif.
Lingkungan Bekerja yang Layak dan Aman A Safe and Decent Working Environment
[GRI 403-1, 403-2] [POJK51-F.21] [GRI 403-1, 403-2] [POJK51-F.21]
Bank menjamin lingkungan kerja yang sehat, aman, dan The Bank ensures a healthy and safe working environment
mendukung kesejahteraan karyawan secara menyeluruh. that supports the overall well-being of its employees.
Fasilitas kerja ergonomis bebas risiko dilengkapi program Ergonomic work facilities are complemented by a
kesehatan holistik untuk menjaga work-life balance, comprehensive wellness program designed to promote
termasuk inspeksi rutin lingkungan kerja dan pelatihan work-life balance, including regular workplace inspections
keselamatan kerja yang wajib. Dukungan kesehatan and mandatory occupational health and safety training.
diberikan melalui BPJS Kesehatan yang mencakup rawat Healthcare support is provided through BPJS Kesehatan
inap, rawat jalan, persalinan, pembuatan kacamata, serta (Indonesia’s national health insurance program), which
perawatan gigi, membebaskan karyawan dari beban covers inpatient and outpatient care, maternity services,
finansial medis. eyeglasses, and dental care, thereby reducing employees’
financial burden for medical expenses.
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Bank IBK juga memperkuat kenyamanan dan keamanan The Bank also enhances workplace safety and comfort
melalui kolaborasi strategis dengan pengelola gedung, through collaboration with building management, including
dengan upaya sebagai berikut: the following measures:
1. Menyediakan alat pemadam api ringan di tempat 1. Provision of portable fire extinguishers in strategic
strategis; locations;
2. Menyediakan hydrant pada instalasi gedung; 2. Installation of hydrants within building facilities;
3. Menyediakan heat detector, smoke detector, dan fire 3. Installation of heat detectors, smoke detectors, and fire
alarm sebagai pengingat bahaya kebakaran; alarm systems to provide early warning of fire hazards;
4. Menyediakan speaker untuk mengumumkan keadaan 4. Installation of public address systems for emergency
darurat; serta announcements; and
5. Menyediakan informasi terkait penggunaan tangga 5. Provision of information on the use of emergency exits.
darurat.
Bank memperkuat komitmen terhadap keselamatan dan The Bank reinforces its commitment to employee safety
kesejahteraan karyawan dengan membangun lingkungan and well-being by maintaining a work environment with
kerja yang minim risiko kecelakaan kerja. Sepanjang tahun minimal risk of occupational accidents. Throughout 2025,
2025, tidak tercatat satu pun insiden kecelakaan kerja, no workplace accidents were recorded, reflecting the
bukti nyata dari implementasi kebijakan keselamatan consistent and effective implementation of safety policies.
yang konsisten dan efektif. Ke depan, Bank akan terus Going forward, the Bank remains committed to maintaining
mempertahankan standar keselamatan tinggi untuk high safety standards to ensure a safe and well-protected
mewujudkan lingkungan kerja yang semakin optimal dan working environment.
terlindungi.
Pelatihan dan pengembangan kemampuan Employee Training and Development
karyawan [GRI 404-1, 404-2] [POJK51-F.22] [GRI 404-1, 404-2] [POJK51-F.22]
Bank menghadapi persaingan ketat dan perkembangan The Bank addresses increasing competition and rapid
cepat di industri perbankan dengan mengutamakan developments in the banking industry by prioritizing
investasi pelatihan karyawan untuk membentuk tenaga investment in employee training to build a highly competent
kerja berkompeten tinggi. Program pelatihan terstruktur workforce. Structured training programs equip employees
menyediakan keterampilan terkini guna mengantisipasi with up-to-date skills to anticipate challenges in the financial
tantangan sektor keuangan, sekaligus membuka jalur karier sector, while also supporting clear career pathways that
yang memacu kepuasan dan retensi karyawan. Keterlibatan enhance employee satisfaction and retention. Participation
dalam proyek strategis memberikan pengalaman praktis, in strategic projects provides practical experience,
memperluas kapabilitas, dan mempersiapkan peran broadens capabilities, and prepares employees for future
kepemimpinan masa depan, sehingga membangun leadership roles, thereby fostering adaptive teams that
tim adaptif yang mendukung inovasi dan pertumbuhan support innovation and organizational growth.
organisasi.
Pendekatan Competency Based Learning diterapkan The Bank implements a competency-based learning
melalui metode beragam pelatihan, workshop, seminar, approach through a variety of training methods, including
sertifikasi mencakup soft skill dan hard skill, didukung workshops, seminars, and professional certifications
Learning Management System (e-Learning) terintegrasi covering both technical and soft skills. These initiatives are
dalam HRIS untuk akses mudah. Beberapa modul wajib supported by a Learning Management System (e-learning)
memastikan pemenuhan standar kompetensi berkelanjutan. integrated into the Human Resources Information System
Pelatihan khusus cabang meliputi Credit Skill, Funding (HRIS), ensuring ease of access. Mandatory training modules
Skill, dan Trade Sales, sementara tim IT difokuskan pada are in place to maintain ongoing competency standards and
pengelolaan data dan layanan digital; jajaran Direksi regulatory compliance. Specialized training is also provided
serta Dewan Komisaris juga mendapat pengembangan across functions: branch personnel receive training in credit,
kepemimpinan strategis. funding, and trade finance, while IT personnel focus on data
management and digital services. In addition, members
of the Board of Directors and Board of Commissioners
participate in leadership development programs.
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Seluruh inisiatif disesuaikan kebutuhan bisnis dan All initiatives are aligned with business needs and
dilaksanakan berkelanjutan, dengan rincian realisasi implemented on a continuous basis. Details of program
program serta biaya pelatihan selama tiga tahun terakhir implementation and training expenditures over the past
disajikan sebagai berikut: three years are presented below:
Jumlah Program Jumlah Biaya
Total Program Total Costs
Program | Programs Juta | Millions
6,609
4,401
5,575
206
222
253
2025 2024 2023 2025 2024 2023
Sebanyak 594 karyawan atau 100% dari total tenaga kerja In 2025, a total of 594 employees, representing 100%
Bank mengikuti program pelatihan dan pengembangan of the Bank’s workforce, participated in training and
kompetensi pada tahun 2025. Total jam pelatihan yang competency development programs. Total training hours
diserap mencapai 5.306 jam, setara dengan 8 jam per reached 5,306, equivalent to an average of 8 hours per
karyawan. Capaian ini mencerminkan fokus intensif Bank employee. This achievement reflects the Bank’s strong
dalam meningkatkan kapabilitas SDM secara merata. commitment to enhancing workforce capabilities across
the organization.
Kinerja Sosial (Masyarakat) [GRI 3-3]
Social Performance (Community)
Bank menunjukkan komitmen kuat dalam memajukan The Bank demonstrates a strong commitment to
pemberdayaan masyarakat melalui berbagai program advancing community empowerment through structured
Corporate Social Responsibility (CSR) yang terstruktur and sustainable Corporate Social Responsibility (CSR)
dan berkelanjutan. Pelaksanaan inisiatif CSR ini tidak programs. The implementation of these initiatives
hanya memenuhi kewajiban sosial, tetapi juga bertujuan not only fulfills the Bank’s social responsibilities but
menciptakan dampak positif yang berkelanjutan bagi also aims to create a lasting positive impact on the
komunitas sekitar. Program-program tersebut mencakup surrounding communities. These programs cover areas
bidang pendidikan, literasi keuangan, dan penguatan such as education, financial literacy, and local economic
ekonomi lokal, dengan pendekatan holistik yang development, adopting a holistic approach that enhances
meningkatkan kesejahteraan, membuka akses peluang welfare, expands access to employment opportunities,
kerja, memperbaiki layanan dasar, serta memberdayakan improves basic services, and empowers vulnerable groups.
kelompok rentan. Melalui upaya ini, Bank membangun Through these efforts, the Bank fosters strong and mutually
kemitraan harmonis dengan masyarakat, menghasilkan beneficial relationships with the community, generating
manfaat jangka panjang, serta menjadi mitra strategis long-term value and positioning itself as a strategic partner
dalam pembangunan komunitas yang inklusif dan mandiri. in the development of inclusive and self-reliant communities.
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Dampak Operasi Terhadap Masyarakat Operation Impacts on the Surrounding
Sekitar [GRI 413-1, 413-2] [POJK51-F.23] Community [GRI 413-1, 413-2] [POJK51-F.23]
Sebagai institusi keuangan yang berperan strategis dalam As a financial institution with a strategic role in the
perekonomian, Bank berkomitmen untuk meningkatkan economy, the Bank is committed to enhancing the public’s
pemahaman, keterampilan, dan rasa percaya diri masyarakat financial literacy, capabilities, and confidence in personal
dalam pengelolaan keuangan pribadi. Peningkatan literasi financial management. Strengthening financial literacy
finansial ini tidak hanya mendukung kemandirian ekonomi not only supports individual economic independence but
individu, tetapi juga mempercepat pertumbuhan ekonomi also contributes to more inclusive and equitable economic
yang inklusif dan merata. Melalui program literasi dan growth. Through consistent financial literacy and inclusion
inklusi keuangan yang konsisten, Bank menjangkau programs, the Bank engages diverse community segments
beragam kalangan masyarakat dengan materi inti seperti by delivering core materials such as basic financial
dasar pengelolaan keuangan, perencanaan finansial, serta management, financial planning, and debt management,
pengendalian utang, disampaikan melalui pendekatan yang using adaptive approaches tailored to participants’
adaptif sesuai latar belakang peserta. Inisiatif ini bertujuan backgrounds. This initiative aims to expand access to
memperluas akses terhadap layanan keuangan sambil financial services while reducing economic disparities,
mengurangi disparitas ekonomi, sehingga masyarakat enabling individuals to make more informed financial
dapat membuat keputusan finansial yang lebih bijaksana decisions for the future. Details of the Bank’s financial
untuk masa depan. Rincian program edukasi dan literasi education and literacy programs are presented below:
keuangan disajikan sebagai berikut:
Tempat dan
Pihak
Tanggal Tema Kegiatan Bentuk Kegiatan
Penyelenggara
Pelaksanaan Activity Theme Activities
Organizer
Venue and Date
Kantor Cabang PT Karawang Prima Pengelolaan Keuangan Sosialisasi dengan menggunakan metode tatap muka,
Pembantu Tanah Abang Sejahtera Steel (KPSS) Financial Management tujuan kegiatan memberikan pengetahuan dalam
Tanah Abang Sub- Tanggal 25 Februari rangka pengelolaan keuangan dengan memanfaatkan
Branch Office 2025 fasilitas Bank
PT Karawang Prima Dissemination by using face-to-face methods, with
Sejahtera Steel (KPSS) the purpose of the activity is to provide knowledge in
On February 25, 2025 financial management by utilizing Bank facilities
Kantor Cabang Sekolah Menengah Cerdas Mengelola Sosialisasi dengan menggunakan metode tatap muka,
Pembantu Pertama Negeri 129 Keuangan tujuan kegiatan memberikan pengetahuan dalam
Rawamangun (SMPN 129) Jakarta, Smart Financial rangka pengelolaan keuangan dengan memanfaatkan
Rawamangun Sub- Tanggal 17 Juni 2025 Management fasilitas Bank
Branch Office Sekolah Menengah Dissemination by using face-to-face methods, with
Pertama Negeri 129 the purpose of the activity is to provide knowledge in
(SMPN 129) Jakarta, financial management by utilizing Bank facilities.
on June 17, 2025
Kantor Cabang Hotel Quest Darmo Kemandirian Finansial Sosialisasi dengan menggunakan metode tatap muka,
Pembantu Surabaya Surabaya, Financial Independency tujuan kegiatan memberikan pengetahuan dalam
Surabaya Sub-Branch Tanggal 16 September rangka pengelolaan keuangan dengan memanfaatkan
Office 2025 fasilitas Bank
Hotel Quest Darmo Dissemination by using face-to-face methods, with
Surabaya, the purpose of the activity is to provide knowledge in
On September 16, financial management by utilizing Bank facilities.
2026
Kantor Cabang Sekolah Rakyat Ancol, Pengelolaan Keuangan, Sosialisasi dengan menggunakan metode tatap muka,
Pembantu Taman Palem Tanggal 27 November Bank Mempermudah tujuan kegiatan memberikan pengetahuan dalam
Taman Palem Sub- 2025 Transaksi Kita rangka pengelolaan keuangan dengan memanfaatkan
Branch Office Sekolah Rakyat Ancol, Financial Management: fasilitas Bank
On November 27, 2025 Banks Simplify Our Dissemination by using face-to-face methods, with
Transactions the purpose of the activity is to provide knowledge in
financial management by utilizing Bank facilities.
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Penggunaan Tenaga Kerja Lokal [GRI 204-1] Use of Local Talents [GRI 204-1]
Bank secara strategis memanfaatkan tenaga kerja lokal The Bank prioritizes the utilization of local talent across
dalam seluruh aktivitas operasionalnya sebagai wujud its operations to support community development and
dukungan terhadap pengembangan komunitas dan regional economic growth. By recruiting individuals from
perekonomian daerah. Dengan merekrut individu dari areas surrounding its operational offices, the Bank not
wilayah sekitar kantor operasional, Bank tidak hanya only creates meaningful employment opportunities but also
menciptakan peluang kerja yang bermakna tetapi contributes to sustainable local economic development.
juga mendorong pertumbuhan ekonomi lokal secara This approach enhances the skills and capacity of local
berkelanjutan. Pendekatan ini turut memperkuat kapasitas communities, strengthens community engagement, and
keterampilan masyarakat setempat, mempererat hubungan expands the Bank’s business networks in its key operational
dengan komunitas, serta memperluas jejaring bisnis di area areas.
operasional utama.
Kegiatan Tanggung Jawab Sosial (CSR) Corporate Social Responsibility (CSR)
[POJK51-F.25] Activities [POJK51-F.25]
Kegiatan tanggung jawab sosial Bank memiliki peran The Bank’s social responsibility initiatives play a strategic
strategis dalam memajukan kesejahteraan masyarakat dan role in enhancing community welfare and sustainability
keberlanjutan melalui berbagai program berdampak nyata. through a range of impactful programs. These initiatives
Inisiatif ini turut memperkuat pembangunan komunitas yang contribute to strengthening inclusive and sustainable
inklusif dan berkelanjutan. Melalui upaya tersebut, Bank community development. Through these efforts, the Bank
menciptakan nilai tambah bagi kehidupan masyarakat, creates meaningful value for communities, strengthens
mempererat ikatan dengan komunitas lokal, serta sejalan relationships with local stakeholders, and supports the
dengan agenda Tujuan Pembangunan Berkelanjutan. achievement of the Sustainable Development Goals
Program tanggung jawab sosial yang dilaksanakan (SDGs). The social responsibility programs implemented
sepanjang tahun 2025 disajikan sebagai berikut: throughout 2025 are presented below:
Tujuan
Tempat dan Tanggal Jenis
Pembangunan
Pelaksanaan Kegiatan Penjelasan Kegiatan SDGs Terkait
Berkelanjutan
Venue and Date of Type of Activity Description Related SDGs
Sustainable
Implementation Activity
Development Goals
Kelurahan Duren Jaya Kota Pemberian bantuan berupa Program ini bertujuan a. Tanpa Kelaparan
Bekasi, Jl. Prof. M. Yamin paket sembako kepada untuk kontribusi dalam (SDG-2)
Duren Jaya, Kec. Bekasi warga terdampak banjir di berbagai kegiatan sosial b. Kehidupan sehat dan
Timur. Kota Bekasi wilayah Bekasi dan kemanusiaan sejahtera (SDG-3)
(Jumat 14 Maret 2025) Sosial Providing assistance This program aims to a. Zero Hunger (SDG-2)
Kelurahan Duren Jaya Kota Social packages, including basic contribute to various social b. Good health and well-
Bekasi, Jl. Prof. M. Yamin food, to flood-affected and humanitarian activities being (SDG-3)
Duren Jaya, Kec. Bekasi residents in the Bekasi
Timur. Kota Bekasi area
(Friday, March 14, 2025)
Kawasan Ekowisata Penanaman sebanyak Program ini bertujuan untuk a. Ekosistem daratan
Mangrove Batu Lumbung, 2.000 bibit mangrove, mendukung pelestarian (SDG-15)
Desa Pemogan, Denpasar pembersihan sampah ekosistem pesisir, b. Penanganan perubahan
Selatan, Kota Denpasar di area pesisir, serta langkah berkelanjutan iklim (SDG-13)
(Minggu 22 Juni 2025) menyerahkan bantuan dalam menjaga bumi dan c. Kota dan pemukiman
Kawasan Ekowisata satu unit kano kepada memulihkan alam yang berkelanjutan
Lingkungan
Mangrove Batu Lumbung, pengelola ekowisata This program aims to (SDG-11)
Environment
Desa Pemogan, Denpasar Planting 2,000 mangrove support the preservation a. Life on Land (SDG-15)
Selatan, Kota Denpasar seedlings, cleaning of coastal ecosystems, b. Climate Action (SDG-
(Sunday, Juni 22, 2025) up coastal debris, and a sustainable step in 13)
donating a canoe to an protecting the earth and c. Sustainable Cities and
ecotourism manager restoring nature Communities (SDG-
11)
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Tujuan
Tempat dan Tanggal Jenis
Pembangunan
Pelaksanaan Kegiatan Penjelasan Kegiatan SDGs Terkait
Berkelanjutan
Venue and Date of Type of Activity Description Related SDGs
Sustainable
Implementation Activity
Development Goals
Gedung Graha Wangsa Pelaksanaan kegiatan Program ini sebagai bentuk a. Tanpa Kelaparan
Lampung, Jl Yos Sudarso donor darah dan kontribusi bagi kesehatan (SDG-2)
No. 272 Sukaraja, Kec Bumi layanan kesehatan serta masyarakat dan kegiatan b. Kehidupan sehat dan
Waras Bandar Lampung pembagian bingkisan sosial kemanusiaan sejahtera (SDG-3)
(Sabtu 20 September 2025) berupa paket sembako This program is a form a. Zero Hunger (SDG-2)
Sosial
Gedung Graha Wangsa Blood donation and of contribution to public b. Good health and well-
Social
Lampung, Jl Yos Sudarso health services provision, health and social and being (SDG-3)
No. 272 Sukaraja, Kec Bumi including distributing basic humanitarian activities
Waras Bandar Lampung food packages
(Saturday, September 20,
2025)
Kawasan Agrowisata Pelaksanaan program Program ini bertujuan a. Tanpa Kelaparan
SEIN Farm, Jl. Sekemala, pelatihan budi daya untuk meningkatkan b. Pekerjaan layak dan
Pasanggrahan, Kec. Ujung pertanian sorgum & ketahanan pangan dan pertumbuhan ekonomi
Berung, Kota Bandung penanaman benih sorgum kesejahteraan ekonomi (SDG-8)
(11-12 November 2025) dengan memberikan masyarakat a. Zero Hunger (SDG-2)
Kawasan Agrowisata donasi berupa pembelian This program aims to b. Decent Work and
Sosial
SEIN Farm, Jl. Sekemala, mesin improve food security and Economic Growth
Social
Pasanggrahan, Kec. Ujung Implementation of a the economic welfare of (SDG-8)
Berung, Kota Bandung sorghum cultivation the community
(November 11-12, 2025) training program and
sorghum seed planting,
with a donation in the form
of a machine
Selain menitikberatkan pada program tanggung jawab In addition to prioritizing social responsibility programs that
sosial yang memberikan manfaat nyata bagi masyarakat, deliver tangible benefits to communities, the Bank does
Bank tidak melakukan sumbangan atau penanaman not provide donations to or make investments in non-profit
modal pada organisasi nirlaba. Bank memprioritaskan organizations. Instead, the Bank focuses on allocating
pengalokasian sumber daya untuk inisiatif yang secara resources to structured and measurable initiatives that
langsung mendorong kemajuan masyarakat dan lingkungan directly contribute to community development and
melalui program-program terstruktur dan terukur. Meskipun environmental sustainability. Nevertheless, the Bank
demikian, Bank tetap menjaga komitmen kuat dalam remains committed to supporting broader social objectives
mendukung agenda sosial yang lebih luas. through its ongoing programs and initiatives.
Pengaduan Masyarakat [POJK51-F.24] Public Complaints [POJK51-F.24]
Bank menyediakan saluran pengaduan yang transparan The Bank provides a transparent and effective
dan efektif melalui sistem whistleblowing untuk menangani whistleblowing system as a channel for receiving and
laporan pelanggaran hukum dari masyarakat. Sistem ini handling reports of legal or ethical violations from the public.
memungkinkan pengaduan disampaikan secara anonim This system enables reports to be submitted securely and,
dan terjamin keamanannya. Bank menangani setiap laporan where appropriate, on an anonymous basis. Each report is
dengan serius sesuai prosedur yang berlaku. Selama tiga handled with due diligence in accordance with established
tahun terakhir, Bank tidak menerima pengaduan masyarakat procedures. Over the past three years, the Bank has not
yang bersifat material maupun signifikan, mencerminkan received any material or significant public complaints,
tingkat kepuasan dan kepercayaan masyarakat terhadap reflecting a high level of public trust and satisfaction with
praktik operasional Bank. the Bank’s operational practices.
472 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Keberlanjutan • Sustainability Report Kinerja Lingkungan [GRI 3-3] Environmental Performance Bank menunjukkan komitmen nyata terhadap pelestarian The Bank demonstrates its commitment to environmental lingkungan melalui penerapan berbagai inisiatif ramah stewardship by implementing environmentally responsible lingkungan dalam aktivitas operasionalnya. Upaya ini initiatives across its operations. These efforts include meliputi penurunan jejak karbon melalui optimalisasi reducing its carbon footprint through optimized energy penggunaan energi serta pengelolaan limbah secara use and responsible, sustainable waste management. bertanggung jawab dan berkelanjutan. Melalui langkah- Through these measures, the Bank contributes to the langkah tersebut, Bank berperan aktif dalam menjaga preservation of natural resources for the benefit of future kelestarian sumber daya alam untuk kepentingan generasi generations. masa depan. Penggunaan Material Ramah Lingkungan Use of Environmentally Friendly Materials [GRI 301-1, 301-2] [POJK51-F.5] [GRI 301-1, 301-2] [POJK51-F.5] Penggunaan material ramah lingkungan dalam aktivitas The use of environmentally responsible materials in the operasional Bank menunjukkan komitmen teguh terhadap Bank’s operations reflects its commitment to sustainability prinsip keberlanjutan dan pelestarian lingkungan. Bank principles and environmental stewardship. The Bank menerapkan bahan yang dapat didaur ulang, membatasi utilizes recyclable materials, limits the use of single-use penggunaan plastik sekali pakai, serta memprioritaskan plastics, and prioritizes environmentally certified products produk bersertifikasi lingkungan untuk seluruh kebutuhan for operational and marketing purposes. These efforts operasional dan kegiatan pemasaran. Upaya ini tidak hanya contribute to reducing carbon emissions, minimizing waste menekan emisi karbon, tetapi juga meminimalkan timbulnya generation, and lowering unnecessary consumption of limbah serta konsumsi sumber daya alam yang tidak perlu. natural resources. Kegiatan perbankan harian yang melibatkan administrasi Administrative activities in daily banking operations are sangat bergantung pada penggunaan kertas. Oleh karena highly dependent on paper usage. To address this, the itu, Bank memilih kertas Hout Vrij Schrift (HVS) dari Bank sources Hout Vrij Schrift (HVS) paper from suppliers pemasok bersertifikat Programme for the Endorsement of certified by the Programme for the Endorsement of Forest Forest Certification (PEFC). Pemilihan kertas bersertifikat Certification (PEFC). The use of PEFC-certified paper PEFC menjamin bahwa material tersebut berasal dari ensures that materials are sourced from sustainably sumber hutan yang dikelola secara berkelanjutan tanpa managed forests without harming ecosystems. In 2025, merusak ekosistem. Sepanjang tahun 2025, Total total paper consumption reached 3456 reams. In addition, penggunaan kertas mencapai 3456 rim. Selain itu, Bank the Bank promotes the reuse of equipment and furniture juga mempraktikkan penggunaan kembali barang dan that remain in good condition. furnitur yang masih layak pakai. Penggunaan Energi [GRI 302-1, 302-3, 302-4] [POJK51-F.6] Energy Use [GRI 302-1, 302-3, 302-4] [POJK51-F.6] Dalam menjalankan kegiatan operasional, Bank In carrying out its operations, the Bank requires a reliable membutuhkan pasokan energi yang andal untuk mendukung energy supply to support the continuity of its services and kelancaran layanan dan aktivitas perkantoran. Kebutuhan office activities. The Bank’s energy needs are met through energi Bank dipenuhi melalui dua sumber utama, yaitu two primary sources: fuel and electricity. Bahan Bakar Minyak (BBM) dan listrik. BBM diperoleh dari Stasiun Pengisian Bahan Bakar Fuel is sourced from authorized fuel stations (SPBU) and Umum (SPBU) terdekat dan digunakan untuk kendaraan is used to operate operational vehicles and generator operasional serta pengoperasian generator set (genset) sets, particularly during emergencies or power outages. pada kondisi darurat atau ketika terjadi gangguan pasokan The Bank’s primary electricity supply is provided by PT listrik. Pasokan listrik untuk operasional harian Bank PLN (State Electricity Company) and is used to support berasal dari PT PLN dan dimanfaatkan untuk mendukung office operations, including computer systems, network penggunaan peralatan kantor, termasuk sistem komputer, infrastructure, and lighting. perangkat jaringan, serta pencahayaan. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 473
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Laporan Keberlanjutan • Sustainability Report
Sejalan dengan komitmen keberlanjutan, Bank secara In line with its sustainability commitments, the Bank
konsisten memantau pola konsumsi energi guna mendorong regularly monitors its energy consumption patterns
efisiensi dan mengidentifikasi peluang pengurangan to promote efficiency and identify opportunities to
intensitas energi, serta mempertimbangkan alternatif energi reduce energy intensity. The Bank also explores more
yang lebih ramah lingkungan untuk implementasi bertahap environmentally friendly energy alternatives for potential
di masa mendatang. phased implementation in the future.
Dalam pengukuran dan pelaporan, Bank mengadopsi For measurement and reporting purposes, the Bank adopts
model sebagai berikut: the following approach:
Konversi Energi dari Satuan Fisik ke GigaJoule (GJ)
Energy Conversion from Physical Units to GigaJoules (GJ)
Σ Penggunaan Energi (GJ) = Penggunaan Energi (satuan fisik) x Nilai Kalor (TJ/satuan fisik)
Σ Energy Use (GJ) = Energy Use (physical unit) x Calorific Value (TJ/physical unit)
Berdasarkan metodologi pengukuran yang diterapkan, Based on the applied measurement methodology, the
data mengenai konsumsi energi Bank dalam tiga tahun Bank’s energy consumption data for the past three years
terakhir disajikan sebagai berikut: is presented below:
Penggunaan Energi
Energy Use
Sumber Emisi Satuan
2025 2024 2023
Source of Emission Unit
Kantor Pusat
Head Office
Bensin Liter 40.185 46.067 42.668
Fuel GJ 1.326 1.526 1.413
Solar CN53 Liter 8.846 14.894 11.601
CN53 Diesel fuel GJ 327 545 424
Listrik kwh 495.066 678.980 509.299
Electricity GJ 1.782 2.444 1.833
Sub-Total
GJ 3.435 4.515 3.671
Sub-Total
Kantor Cabang
Branch Office
Bensin Liter 113.973 126.249 119.167
Fuel GJ 3.761 4.182 3.947
Solar CN48 Liter 107.85 2.395 2.362
CN48 Diesel fuel GJ 4 87 85
Listrik Kwh 1.293.285 1.888.645 1.767.357
Electricity GJ 4.656 6.799 6.362
Sub-Total
GJ 8.421 11.067 10.395
Sub-Total
Total
GJ 11.856 15.582 14.066
Total
Catatan | Notes:
Perhitungan energi menggunakan faktor konversi dari Kementerian Energi dan Sumber Daya Mineral (KESDM), di mana:
Energy calculations use conversion factors from the Ministry of Energy and Mineral Resources (KESDM), where:
• 1 Liter Bensin | litre of Gasoline = 0,033 GJ;
• 1 Liter Solar | litre of Diesel fuel CN53 = 0,037 GJ;
• 1 Liter Solar | litre of Diesel fuel CN48 = 0,036 GJ; serta | also
• 1 kWh listrik | kWh of electricity = 0,0036 GJ.
474 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Keberlanjutan • Sustainability Report
Intensitas Penggunaan Energi Efisiensi Penggunaan Energi
Intensity of Energy Use Energy Usage Efficiently
GJ/Juta Rupiah GJ | IDR million
0,0086 GJ/Juta Rupiah GJ | IDR million
0,0268
0,0289
0,0021
0,0026
0,0182
2025 2024 2023 2025 2024 2023
Bank baru melakukan pengukuran terhadap konsumsi energi The Bank began measuring direct energy consumption
langsung yang digunakan dalam kegiatan operasionalnya in its operations in 2025. As of the end of the reporting
pada tahun 2025. Sementara itu, perhitungan konsumsi period, the calculation of indirect energy consumption had
energi tidak langsung belum dilaksanakan hingga akhir not yet been completed.
periode tersebut.
Untuk mendukung prinsip keberlanjutan dan meminimalkan To support sustainability principles and minimize the
dampak lingkungan dari aktivitas operasional, Bank secara environmental impact of its operations, the Bank has
proaktif menerapkan sejumlah inisiatif efisiensi energi. implemented a number of energy efficiency initiatives.
Berbagai langkah konkret yang telah diimplementasikan These measures include: [POJK51-F.7]
meliputi: [POJK51-F.7]
1. Menggunakan lampu jenis LED dan AC inverter yang 1. The use of energy-efficient LED lighting and inverter-
lebih hemat energi; based air conditioning systems;
2. Mengatur penggunaan AC di setiap ruangan; 2. Regulation of air conditioning usage in office spaces;
3. Mengoptimalkan penggunaan lampu dalam kantor; 3. Optimization of lighting usage across office areas;
serta and
4. Mengoptimalkan rapat atau pertemuan secara 4. Increased utilization of virtual meetings to reduce the
daring sehingga mengurangi penggunaan kendaraan use of operational vehicles.
operasional kantor.
Penggunaan Sumber Energi Terbarukan Use of Renewable Energy Sources [POJK51-F.7]
[POJK51-F.7]
Bank belum mulai menerapkan penggunaan sumber energi The Bank has not yet implemented the use of renewable
terbarukan dalam kegiatan operasionalnya sepanjang energy sources in its operations as of 2025. However, the
tahun 2025. Namun demikian, Bank memahami urgensi Bank recognizes the importance of transitioning to a more
transisi menuju sistem energi yang lebih berkelanjutan sustainable and environmentally friendly energy system.
dan ramah lingkungan. Sejalan dengan hal tersebut, In this regard, the Bank is currently assessing various
Bank sedang mengkaji berbagai alternatif serta strategi alternatives and strategies for the future integration of
penerapan energi terbarukan yang dapat diintegrasikan ke renewable energy into its operations.
dalam operasional di masa mendatang.
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 475
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Laporan Keberlanjutan • Sustainability Report
Penggunaan Air [GRI 303-1, 303-2, 303-5] [POJK51-F.8] Water Use [GRI 303-1, 303-2, 303-5] [POJK51-F.8]
Air merupakan sumber daya penting yang mendukung Water is a vital resource that supports various operational
berbagai aktivitas operasional Bank, seperti kebersihan, activities of the Bank, including sanitation, religious
peribadatan, dan kebutuhan harian lainnya. Bank practices, and other daily needs. The Bank is committed to
berkomitmen untuk mengelola penggunaan air secara managing water use efficiently and sustainably through the
efisien dan berkelanjutan melalui penerapan praktik implementation of conservation practices and responsible
penghematan serta pengelolaan sumber daya air water management. In addition, the Bank actively
yang bertanggung jawab. Selain itu, Bank secara aktif promotes employee awareness of the importance of water
menumbuhkan kesadaran di kalangan karyawan mengenai conservation to reduce environmental impact and ensure
pentingnya konservasi air guna mengurangi dampak the long-term availability of this resource. The Bank’s water
lingkungan dan menjaga ketersediaan sumber daya ini bagi consumption data for the past three years is presented
generasi mendatang. Data penggunaan air Bank selama below:
tiga tahun terakhir disajikan sebagai berikut:
Sumber Emisi Satuan
2025 2024 2023
Source of Emission Unit
Air Tanah/PDAM
m3 8.364 8.311 8.530
Ground/Tap Water
m3 /juta Rp
Intensitas Penggunaan Air
m3 /million IDR 0,0061 0,0143 0,0175
Water Usage Efficiency
Efisiensi Air m3 /juta Rp
0,0082 0,0032 0,0006
Water Eficiency m3 /million IDR
Bank memahami bahwa ketersediaan air bersih memiliki The Bank recognizes that the availability of clean water
peran vital bagi kelestarian lingkungan dan kesejahteraan plays a vital role in environmental sustainability and
masyarakat. Sebagai wujud tanggung jawab tersebut, community well-being. As part of this responsibility, the
Bank berkomitmen untuk mengelola penggunaan air secara Bank is committed to managing water use efficiently and
bijak dan efisien di seluruh aktivitas operasional. Berbagai responsibly across all operational activities. To support
langkah nyata dilakukan, antara lain melalui pemantauan this commitment, the Bank implements various measures,
rutin terhadap tingkat konsumsi air serta penerapan including regular monitoring of water consumption and the
praktik konservasi sumber daya. Melalui inisiatif ini, Bank application of water conservation practices. Through these
berupaya berkontribusi terhadap terciptanya keberlanjutan initiatives, the Bank aims to contribute to the sustainable
ketersediaan air bersih bagi generasi mendatang. availability of clean water for future generations.
Emisi [GRI 102-4, 102-5, 102-6, 102-8] [POJK51-F.11, F.12] Emissions [GRI 102-4, 102-5, 102-6, 102-8] [POJK51-F.11, F.12]
Energi yang digunakan dalam kegiatan operasional Bank Energy consumption in the Bank’s operations represents
menjadi salah satu sumber utama pembentuk emisi Gas a primary source of greenhouse gas (GHG) emissions.
Rumah Kaca (GRK). Penggunaan bahan bakar fosil untuk The use of fossil fuels for operational vehicles and
kendaraan operasional dan generator menghasilkan emisi generator sets results in Scope 1 emissions, which are
cakupan 1 (scope 1), yaitu emisi langsung yang berasal direct emissions from sources owned or controlled by the
dari sumber yang dimiliki atau dikendalikan oleh Bank. Bank. Meanwhile, electricity consumption from PT PLN
Sementara itu, konsumsi listrik yang diperoleh dari PT PLN contributes to Scope 2 emissions, which are indirect
berkontribusi terhadap emisi cakupan 2 (scope 2), yakni emissions arising from the use of purchased electricity. In
emisi tidak langsung yang muncul akibat penggunaan addition, Scope 3 emissions arise from indirect activities
energi listrik dari pemasok eksternal. Selain itu, terdapat involving third parties, including transportation and other
emisi cakupan 3 (scope 3) yang timbul secara tidak supporting services.
langsung dari aktivitas operasional Bank yang melibatkan
pihak ketiga, termasuk kegiatan transportasi dan jasa
pendukung lainnya.
476 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Keberlanjutan • Sustainability Report
Sebagai wujud tanggung jawab terhadap lingkungan, As part of its environmental responsibility, the Bank
Bank secara berkala melakukan evaluasi terhadap periodically evaluates its energy consumption and
penggunaan energi dan terus mengidentifikasi peluang continuously identifies opportunities to reduce carbon
untuk mengurangi emisi karbon. Upaya yang dilakukan emissions. These efforts include enhancing energy
mencakup peningkatan efisiensi energi di seluruh fasilitas efficiency across operational facilities and exploring the
operasional serta penjajakan pemanfaatan sumber energi potential use of renewable energy sources. Such initiatives
terbarukan. Langkah-langkah ini menjadi bagian dari form part of the Bank’s long-term strategy to reduce
strategi jangka panjang Bank untuk menekan intensitas emissions intensity and strengthen its commitment to
emisi dan memperkuat komitmen terhadap keberlanjutan environmental sustainability.
lingkungan.
Dalam melakukan pengukuran emisi GRK, Bank mengacu In measuring GHG emissions, the Bank refers to nationally
pada metode perhitungan yang diadopsi secara nasional, adopted methodologies green calculator of Bank Indonesia
dengan menggunakan kalkulator hijau Bank Indonesia dan and applies default emission factors established by the
faktor emisi default yang ditetapkan oleh Intergovernmental Intergovernmental Panel on Climate Change (IPCC) as the
Panel on Climate Change (IPCC) sebagai dasar basis for its calculations, as outlined below:
perhitungan, sebagaimana dijabarkan berikut ini:
Emisi Gas Rumah Kaca
Greenhouse Gas Emissions
Cakupan 1 Σ Emisi = Konsumsi Bahan Bakar (liter) x Faktor Emisi (Kg/Tj)2) x NCV (Tj/liter)
Scope 1 Σ Emissions = Fuel Consumption (liter) x Emission Factor (Kg/Tj)2 x NCV (Tj/liter)
Cakupan 2 Σ Emisi = Konsumsi Listrik (kWh) x Faktor Emisi (kgCO2/kWh)
Scope 2 Σ Emissions = Electricity Consumption (kWh) x Emission Factor (kgCO2 /kWh)
Mengacu pada metodologi perhitungan yang diterapkan, Based on the applied calculation methodology, the Bank’s
data mengenai total emisi yang dihasilkan oleh Bank dalam total emissions data for the past three years is presented
tiga tahun terakhir disajikan sebagai berikut: below:
Sumber Emisi Satuan
2025 2024 2023
Source of Emission Unit
Emisi Gas Rumah Kaca Cakupan 1
Scope 1 Greenhouse Gas Emissions
Emisi Langsung dari Pembakaran Stasioner
TonCO2e 0,29 45,90 37,07
Direct Emissions from Stationary Combustion
Emisi Langsung dari Pembakaran Bergerak
TonCO2e 378,56 398,91 374,65
Direct Emissions from Mobile Combustion
Total Emisi Cakupan 1
TonCO2e 378,85 444,81 411,71
Total Emissions Scope 1
Emisi Gas Rumah Kaca Cakupan 2 Tidak Langsung
Indirect Scope 2 Greenhouse Gas Emissions
Emisi Tidak Langsung dari Konsumsi Listrik yang
Dibeli dari PLN
TonCO2e 1.412,80 2.413,57 2.140,06
Indirect Emissions from Electricity Consumption
Purchased from PLN
Total Emisi Cakupan 2
TonCO2e 1.412,80 2.413,57 2.140,06
Total Emissions Scope 2
Total Emisi Cakupan 1 dan 2
TonCO2e 1.791,65 2.858,37 2.551,77
Total Emissions Scope 1 and 2
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 477
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Laporan Keberlanjutan • Sustainability Report
Intensitas Emisi GRK
Cakupan 1 dan 2
Intensity of Greenhouse Gas Emissions Efisiensi Emisi GRK
Scope 1 and 2 Greenhouse Gas Emissions Efficiently
TonCO2e/Juta Rupiah | TonCO2e/IDR million TonCO2e/Juta Rupiah | TonCO2e/IDR million
0,0049
0,0036
0,0052
0,0003
0,0007
0,0013
2025 2024 2023 2025 2024 2023
Bank menyadari bahwa emisi gas rumah kaca berkontribusi The Bank recognizes that greenhouse gas (GHG)
terhadap kerusakan lapisan atmosfer dan menjadi salah satu emissions contribute to environmental degradation and are
faktor utama pemanasan global. Sebagai bentuk komitmen a key driver of global warming. As part of its commitment
terhadap pengendalian perubahan iklim, Bank secara aktif to addressing climate change, the Bank has implemented
mengambil langkah-langkah strategis untuk menekan emisi various strategic initiatives to reduce emissions arising
yang timbul dari kegiatan operasionalnya. Upaya dan inisiatif from its operations. These efforts include:
yang telah dijalankan diantaranya:
1. Melakukan perawatan rutin terhadap kendaraan 1. Conducting regular maintenance of operational
operasional sehingga tidak menghasilkan emisi vehicles to minimize excessive emissions;
berlebih;
2. Menggunakan jenis BBM tertentu yang menghasilkan 2. Using cleaner fuel alternatives to reduce exhaust
gas buang lebih bersih; emissions;
3. Menyediakan ruang terbuka hijau di sekitar wilayah 3. Developing and maintaining green open spaces
kantor; around office areas;
4. Mengurangi perjalanan dinas dengan memaksimalkan 4. Reducing business travel by optimizing the use of
pertemuan secara daring; serta virtual meetings; and
5. Menghemat penggunaan energi listrik yang dapat 5. Promoting energy conservation, particularly in
menghasilkan emisi GRK, seperti AC. electricity usage such as air conditioning.
Komitmen Terhadap Pencapaian Net Zero Commitment to Achieving Net Zero
Emission dan Efisiensi Emisi Gas Rumah Emissions and Greenhouse Gas (GHG)
Kaca (GRK) Emission Efficiency
Selain berbagai inisiatif yang telah dijalankan, Bank juga In addition to the initiatives already implemented, the Bank
tengah melakukan kajian mendalam terkait komitmen is undertaking an in-depth assessment of its long-term
jangka panjang dalam mendukung pencapaian target net commitment to supporting the achievement of net zero
zero emission. Kajian ini diarahkan untuk merumuskan emissions. This assessment aims to formulate concrete
kebijakan dan langkah operasional yang konkret dalam policies and operational measures to reduce the Bank’s
mengurangi jejak karbon Bank. carbon footprint.
Sebagai bagian dari komitmen tersebut, Bank As part of this commitment, the Bank prioritizes emissions
memprioritaskan pengurangan emisi melalui peningkatan reduction through enhanced energy efficiency, the utilization
efisiensi energi, pemanfaatan sumber daya terbarukan, serta of renewable energy sources, and the development
478 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Keberlanjutan • Sustainability Report pengembangan portofolio pembiayaan yang berorientasi of a financing portfolio aligned with sustainability and pada prinsip keberlanjutan dan ramah lingkungan. environmental objectives. Di sisi lain, Bank turut berperan dalam meningkatkan Furthermore, the Bank plays an active role in raising kesadaran nasabah dan mitra bisnis mengenai pentingnya awareness among customers and business partners on transisi menuju ekonomi rendah karbon. Melalui kolaborasi the importance of transitioning to a low-carbon economy. dengan berbagai lembaga dan pemangku kepentingan, Through collaboration with various institutions and Bank berkomitmen untuk memberikan kontribusi nyata stakeholders, the Bank is committed to contributing to terhadap upaya global dalam pengurangan emisi Gas global efforts to reduce greenhouse gas (GHG) emissions Rumah Kaca (GRK) dan pencapaian tujuan pembangunan and support sustainable development. berkelanjutan. Limbah dan Mekanisme Pengelolaannya Waste Management Mechanisms [GRI 306-1, 306-2, 306-3] [POJK51-F.13, F.14] [GRI 306-1, 306-2, 306-3] [POJK51-F.13, F.14] Bank memahami bahwa pengelolaan limbah yang The Bank recognizes that responsible waste management bertanggung jawab merupakan bagian penting dari is an integral part of sustainability practices and its praktik keberlanjutan dan komitmen terhadap pelestarian commitment to environmental stewardship. The Bank has lingkungan. Bank menerapkan berbagai inisiatif untuk implemented various initiatives to reduce environmental mengurangi dampak lingkungan, mulai dari penghematan impact, including minimizing paper usage and introducing penggunaan kertas hingga penerapan program daur ulang recycling programs for operational materials. Plastic waste material operasional. Limbah plastik serta perangkat keras and discarded electronic equipment are managed through yang tidak lagi digunakan dikelola dengan cara didaur recycling processes or transferred to licensed third-party ulang atau diserahkan kepada pihak ketiga yang memiliki providers authorized to handle hazardous waste. izin resmi untuk menangani limbah berbahaya. Sebagai bagian dari budaya kerja ramah lingkungan, Bank As part of its environmentally responsible work culture, juga mendorong karyawan untuk mengurangi penggunaan the Bank also encourages employees to reduce the use plastik sekali pakai dengan beralih ke tumbler atau of single-use plastics by adopting reusable tumblers or wadah minum yang dapat digunakan kembali. Langkah drinking containers. This initiative is intended to reduce ini diharapkan dapat menekan jumlah limbah plastik yang the volume of plastic waste generated from daily office dihasilkan dari aktivitas perkantoran sehari-hari. activities. Selain itu, Bank berkolaborasi dengan Yayasan Gugah In addition, the Bank collaborates with the Gugah Nurani Nurani Indonesia melalui proyek pemilahan sampah Indonesia Foundation on a plastic bottle waste sorting botol plastik yang juga bekerja sama dengan KOTRA initiative, in partnership with KOTRA and the Rizki Bina dan Bank Sampah Rizki Bina Sejahtera. Melalui program Sejahtera Waste Bank. Through this program, the Bank ini, Bank berhasil mengumpulkan 49 kilogram sampah collected 49 kilograms of plastic bottle waste, which botol plastik yang kemudian disalurkan kembali untuk was subsequently redistributed for resale and reuse by dijual dan dimanfaatkan oleh pihak yang membutuhkan. beneficiaries. This initiative not only supports sustainable Inisiatif ini tidak hanya mendukung pengelolaan sampah waste management but also enhances awareness among yang berkelanjutan, tetapi juga meningkatkan kesadaran employees and the wider community regarding the karyawan dan masyarakat mengenai pentingnya pemilahan importance of waste segregation and recycling. serta daur ulang limbah. Bank belum melakukan pengukuran kuantitatif terhadap As of the end of 2025, the Bank has not yet conducted total volume limbah yang dihasilkan dari kegiatan quantitative measurements of the total volume of waste operasional hingga akhir tahun 2025. Ke depannya, Bank generated from its operations. Going forward, the Bank berkomitmen untuk mengembangkan sistem pemantauan is committed to developing a more structured waste dan pengukuran limbah yang lebih terstruktur sebagai monitoring and measurement system to strengthen upaya memperkuat pengelolaan sumber daya serta resource management and support the implementation of mendukung pelaksanaan strategi keberlanjutan lingkungan its environmental sustainability strategy. secara menyeluruh. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 479
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Laporan Keberlanjutan • Sustainability Report
Kegiatan Operasional Bank yang Bersih Clean Bank Operations
Dalam pelaksanaan kegiatan operasionalnya, Bank In carrying out its operations, the Bank is committed to
berkomitmen untuk mengelola limbah secara bertanggung managing waste responsibly, with a focus on environmental
jawab dan berorientasi pada keberlanjutan lingkungan. sustainability. One of its key initiatives is reducing the
Salah satu upaya yang dilakukan adalah pengurangan use of single-use plastics in the workplace. The Bank
penggunaan plastik sekali pakai di lingkungan kerja. also actively promotes employee awareness of proper
Bank juga aktif mengedukasi karyawan mengenai waste management and the adoption of environmentally
pentingnya pengelolaan limbah dan penerapan perilaku responsible practices in daily activities. The Bank has
ramah lingkungan dalam aktivitas sehari-hari. Adapun implemented the following initiatives:
berbagai program yang telah diimplementasikan oleh Bank
dijabarkan sebagai berikut:
1. Mengembangkan digital banking untuk mengurangi 1. Expanding digital banking services to reduce paper
penggunaan kertas; usage;
2. Mengembangkan administrasi nir-kertas (paperless 2. Promoting paperless administration through the use of
administration) dengan cara menggunakan e-mail email for internal communication;
dalam penyebaran informasi internal;
3. Mengembangkan sistem pengelolaan dokumen 3. Implementing an electronic document management
elektronik, mulai dari penyusunan, pengiriman, dan system, including document preparation, distribution,
penerimaan dokumen; and storage;
4. Menghemat penggunaan kertas, dengan cara 4. Conserving paper by printing on both sides and
mencetak bolak balik atau memanfaatkan kertas bekas reusing paper for internal purposes;
untuk keperluan internal;
5. Memberi pilihan pada nasabah dalam transaksi ATM, 5. Providing customers with the option to print transaction
apakah transaksi akan dicetak atau tidak; serta receipts during ATM transactions; and
6. Mengimbau penghematan penggunaan kertas tissue 6. Encouraging responsible use of paper towels through
dengan pemasangan stiker di dinding kamar kecil. awareness messages displayed in restroom areas.
Keanekaragaman Hayati [GRI 101-1, 101-2] [POJK51-F.9, F.10] Biodiversity [GRI 101-1, 101-2] [POJK51-F.9, F.10]
Seluruh wilayah operasional Bank berada di kawasan All of the Bank’s operational locations are situated in
perkotaan dan tidak berdekatan maupun bersinggungan urban areas and are not adjacent to conservation areas
dengan area konservasi atau wilayah dengan tingkat or regions with high biodiversity value. Accordingly, the
keanekaragaman hayati yang tinggi. Oleh karena itu, Bank’s operational activities do not have a direct negative
kegiatan operasional Bank tidak menimbulkan dampak impact on surrounding ecosystems or biodiversity.
negatif terhadap ekosistem atau keanekaragaman hayati Nevertheless, the Bank remains committed to supporting
di sekitarnya. Meskipun demikian, Bank tetap berkomitmen environmental conservation through the implementation of
mendukung upaya pelestarian lingkungan melalui environmentally responsible work practices and resource
penerapan praktik kerja ramah lingkungan dan efisiensi efficiency across all its operational offices. Moreover, in
sumber daya di seluruh kantor operasional. Selain itu, 2025, the Bank planted 2,000 mangrove seedlings in
pada tahun 2025, Bank melakukan penanaman 2.000 bibit the Batu Lumbung Mangrove Ecotourism Area, Pemogan
mangrove di Kawasan Ekowisata Mangrove Batu Lumbung, Village, South Denpasar, Denpasar City, as part of its
Desa Pemogan, Denpasar Selatan, Kota Denpasar sebagai biodiversity conservation efforts.
bagian dari upaya pelestarian keanekaragaman hayati.
Biaya Lingkungan Hidup [POJK51-F.4] Environmental Costs [POJK51-F.4]
Saat ini, Bank belum menetapkan pos anggaran As of the reporting period, the Bank has not allocated a
tersendiri untuk kegiatan pengelolaan lingkungan. Seluruh separate budget for environmental management activities.
pengeluaran yang berkaitan dengan aspek lingkungan Expenditures related to environmental initiatives are
dialokasikan dalam komponen biaya operasional kantor incorporated into general operational expenses as part of
sebagai bagian dari efisiensi pengelolaan keuangan Bank the Bank’s financial efficiency measures, amounting to IDR
yakni sejumlah Rp271,35 juta. 271.35 million.
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Pengaduan Terkait Lingkungan Hidup Environmental Complaints [POJK51-F.16]
[POJK51-F.16]
Bank telah menyediakan kanal pengaduan bagi pemangku The Bank provides a complaint mechanism for stakeholders
kepentingan dan masyarakat sekitar untuk menyampaikan and surrounding communities to submit concerns related to
keluhan yang berkaitan dengan isu lingkungan. Dalam environmental issues. Over the past three years, the Bank
tiga tahun terakhir, Bank tidak menerima pengaduan has not received any material or significant environmental
lingkungan yang bersifat material maupun signifikan, yang complaints, reflecting the effective management of its
mencerminkan bahwa kegiatan operasional telah dikelola operations in minimizing and controlling environmental
dengan baik dalam meminimalkan dan mengendalikan impacts.
dampak terhadap lingkungan.
Strategi Transisi, Adaptasi, dan Just Transition, Adaptation, and Just Transition
Transition terhadap Perubahan Iklim Strategy on Climate Change
Rencana Transisi Mitigasi Perubahan Iklim [GRI 102-1] Climate Change Mitigation Transition Plan [GRI 102-1]
Arah kebijakan dan pendekatan utama transisi mitigasi main policy directions and approaches for transition
meliputi: mitigation:
a. Kebijakan Pembiayaan & Portofolio a. Financing & Portfolio Policy
• Klasifikasi sektor high-carbon/carbon-intensive • Classification of high-carbon and carbon-intensive
dan high climate-risk (misalnya properti di area sectors, as well as sectors with elevated climate
banjir, sektor energi/pertanian tertentu); dan risk (e.g., properties in flood-prone areas and
certain energy and agricultural sectors); and
• Pembatasan bertahap/pengetatan prasyarat • Gradual tightening of lending criteria for carbon-
untuk sektor intensif karbon (enhanced due intensive sectors, including enhanced due
diligence). diligence requirements.
b. Integrasi ESG & Iklim di Proses Kredit (Kebijakan, b. Integration of ESG and Climate Considerations into
SOP, Tools) the Credit Process (Policies, SOPs, and Tools)
• Kewajiban dokumen lingkungan (AMDAL/UKL- • Incorporation of mandatory environmental
UPL), ESG assessment, penilaian risiko iklim di documentation (e.g., AMDAL/UKL-UPL), ESG
analisa kredit. assessments, and climate risk analysis within the
credit evaluation process.
c. Pengembangan Produk & Insentif Hijau c. Green Product Development & Incentives
• Green/transition loan sederhana (misalnya • Development of green and transition financing
efisiensi energi, retrofit bangunan, kendaraan products (e.g., energy efficiency initiatives, building
operasional rendah emisi). retrofits, and low-emission vehicle financing).
d. Pengelolaan Risiko Transisi d. Transition Risk Management
• Pemantauan regulasi karbon, perubahan • Ongoing monitoring of regulatory developments
teknologi, dan dampak harga karbon ke debitur/ related to carbon, technological advancements,
surat berharga. and the potential impact of carbon pricing on
borrowers and investment portfolios.
e. Dekarbonisasi Operasional Bank (Scope 1–2, e. Decarbonization of Bank Operations (Scope 1 and
bertahap) Scope 2, phased approach)
• Efisiensi listrik, manajemen perjalanan dinas, • Implementation of energy efficiency measures,
pengadaan ramah lingkungan (sesuai kapasitas business travel management, and green
bank kecil). procurement practices, in line with the Bank’s
operational capacity.
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Tata kelola dan pembiayaan transisi: Transition governance and financing:
a. Tata Kelola a. Governance
• Direksi akan mengintegrasikan aspek ESG • The Board of Directors integrates ESG
dalam pengambilan keputusan, sementara itu considerations into strategic decision-making.
Bank telah membentuk Tim Penyusun Laporan The Bank has also established a CRMS Report
CRMS yang dikoordinasi SKMR serta Tim Aksi Preparation Team, coordinated by the Risk
Keuangan Berkelanjutan sebagai embrio struktur Management Work Unit (SKMR), along with a
tata kelola risiko iklim; Sustainable Finance Action Team, forming the
initial structure for climate risk governance;
• Bank akan menyesuaikan struktur agar selaras • The Bank plans to further align its organizational
dengan POJK 17/2023 terkait risiko iklim; dan structure with POJK 17/2023 concerning climate
risk management; and
• Pengembangan Climate Risk Stress Test (CRST) • The development of a Climate Risk Stress Test
masih tahap awal dan dilakukan in-house. (CRST) framework remains at an early stage and
is currently being conducted internally.
b. Pembiayaan Transisi b. Transition Financing
• Penetapan kategori pembiayaan hijau/ • Establishment of green/transition-supporting
mendukung transisi (misalnya energi terbarukan, financing categories (e.g., renewable energy,
efisiensi energi, bangunan hijau, transportasi energy efficiency, green buildings, low-carbon
rendah karbon); transportation);
• Target peningkatan porsi kredit ke sektor hijau • Targeted increase in the share of credit to green
serta penurunan eksposur sektor beremisi tinggi sectors and gradual reduction in exposure to
(batu bara, minyak & gas, manufaktur berat) high-emission sectors (coal, oil & gas, heavy
secara bertahap; dan manufacturing); and
• Pemanfaatan instrumen pasar (green loan, • Utilization of market instruments (green loans,
sustainability-linked loan) bila kapasitas dan sustainability-linked loans) if borrower capacity
permintaan debitur meningkat. and demand increase.
Target dan arah jangka menengah–panjang: Medium-to-long-term targets and direction:
Bank akan menyusun rencana transisi dan target yang The Bank will develop a transition plan and targets
disetujui Direksi/Komisaris. approved by the Board of Directors/Commissioners.
• Jangka pendek: 1-5 tahun (2025-2030) untuk • Short term: 1-5 years (2025-2030) for developing an
penyusunan baseline emisi, penguatan tata kelola dan emissions baseline, strengthening governance, and
integrasi risiko iklim ke kerangka risiko. integrating climate risks into the risk framework.
• Jangka menengah: 2030-2040 untuk pengurangan • Medium term: 2030-2040 for reducing portfolio
eksposur portofolio ke sektor beremisi tinggi dan exposure to high-emission sectors and gradually
peningkatan portofolio hijau secara bertahap. increasing the green portfolio.
• Jangka panjang: menuju kontribusi pada target • Long term: To contribute to Indonesia’s 2060 NZE
NZE Indonesia 2060 dan konsistensi menghindari target and consistently avoid financing projects
pembiayaan proyek yang tidak sejalan dengan inconsistent with the transition. The long-term targets
transisi. Target jangka panjang akan diperkuat seiring will be strengthened as borrower emissions data and
ketersediaan data emisi debitur dan metodologi. methodologies become available.
• Rencana transisi ini agar diselaraskan dengan upaya • This transition plan should be aligned with global
global pembatasan kenaikan suhu hingga 1,5°C dan efforts to limit temperature rise to 1.5°C and will be
akan ditinjau secara berkala. reviewed periodically.
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Rencana Adaptasi terhadap Perubahan Climate Change Adaptation Plan [GRI 102-2]
Iklim [GRI 102-2]
Risiko iklim utama yang diidentifikasi: Key climate risks identified:
a. Risiko fisik akut berupa: a. Acute physical risks include:
• Banjir dan longsor yang mempengaruhi aset • Floods and landslides affecting collateral assets
agunan (properti, gudang, fasilitas produksi) (property, warehouses, production facilities) and
serta kantor cabang di wilayah rawan; branch offices in vulnerable areas;
• Kebakaran hutan dan asap yang mengganggu • Forest fires and haze disrupting economic activity
aktivitas ekonomi sektor perkebunan/agribisnis in the plantation/agribusiness and logistics
dan logistik; dan sectors; and
• Cuaca ekstrem (badai, hujan lebat) yang • Extreme weather (storms, heavy rains) disrupting
mengganggu operasi fisik cabang, jaringan ATM physical branch operations, ATM networks, and
dan layanan kritikal. critical services.
b. Risiko fisik kronis berupa: b. Chronic physical risks include:
• Kenaikan muka air laut dan intrusi air laut yang • Sea level rise and seawater intrusion, which may
menurunkan nilai jangka panjang aset properti di reduce the long-term value of coastal property
pesisir; assets;
• Perubahan pola curah hujan dan suhu yang • Changes in rainfall and temperature patterns that
mempengaruhi produktivitas sektor pertanian dan affect the productivity of the agricultural sector
UMKM agribisnis sebagai sektor UMKM yang and agribusiness MSMEs, which are particularly
rentan; dan vulnerable; and
• Degradasi lingkungan jangka panjang (erosi, • Long-term environmental degradation (e.g.,
kekeringan) yang mempengaruhi nilai agunan dan erosion and drought), which may impact collateral
kemampuan bayar debitur di sektor tertentu. values and the repayment capacity of borrowers
in certain sectors.
c. Dampak finansial berupa: c. Financial impacts include:
• Peningkatan risiko kredit: kenaikan NPL dan LaR • Increased credit risk, reflected in higher levels of
di sektor-sektor yang terdampak bencana dan non-performing loans (NPL) and Loans at Risk
perubahan iklim, termasuk UMKM di agribisnis/ (LaR) in sectors affected by climate change and
manufaktur; natural disasters, including agribusiness and
manufacturing MSMEs;
• Penurunan nilai agunan dan kebutuhan • Declining collateral values and increased
pencadangan yang lebih tinggi untuk portofolio di provisioning requirements for portfolios located
wilayah berisiko fisik tinggi; dan in high physical risk areas; and
• Potensi peningkatan biaya operasional dan • Potential increases in operational costs and
investasi infrastruktur (BCP, IT, redundansi infrastructure investments (e.g., business
jaringan) untuk menjaga kelangsungan layanan continuity planning (BCP), IT systems, and
saat terjadi bencana iklim. network redundancy) to maintain service
continuity during climate-related disruptions.
Strategi dan langkah adaptasi yang diterapkan: Adaptation strategies and measures implemented:
• Penguatan proses kredit untuk sektor berisiko: wajib • Strengthening credit processes for risky sectors:
AMDAL dan asesmen ESG (karena meningkatkan mandatory AMDAL and ESG assessments (because
kualitas seleksi debitur); they improve the quality of borrower selection);
• Penyesuaian strategi pendanaan agar selaras • Adjusting funding strategies to align with long-term
portofolio hijau jangka panjang; green portfolios;
• Penguatan Business Continuity Plan (BCP) untuk • Strengthening Business Continuity Plans (BCPs) for
kelangsungan operasional saat bencana iklim; dan operational continuity during climate disasters; and
• Diversifikasi portofolio surat berharga green bonds • Diversifying green bond portfolios and monitoring
dan pemantauan regulasi karbon terkait penerbit. carbon regulations related to issuers.
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Ketahanan desain dan infrastruktur: Design and infrastructure resilience:
a. Gedung dan jaringan operasional a. Buildings and operational networks
• Bank dapat mengkaji ulang lokasi dan spesifikasi • Reviewing the location and technical specifications
gedung kantor dan cabang terhadap peta risiko of office and branch facilities against flood and
banjir/kebakaran, termasuk ketinggian bangunan, fire risk maps, including considerations such as
sistem drainase, dan proteksi kebakaran, sejalan building elevation, drainage systems, and fire
praktik manajemen risiko fisik perbankan; dan protection measures, in line with physical risk
management practices; and
• Peningkatan redundansi infrastruktur TI dan • Increasing redundancy in IT infrastructure and
jaringan (data center, backup site, konektivitas) network systems (e.g., data centers, backup sites,
untuk memastikan layanan perbankan tetap and connectivity) to ensure service continuity
tersedia saat terjadi kejadian cuaca ekstrem. during extreme weather events.
b. Infrastruktur digital b. Digital infrastructure
• Penguatan layanan digital (mobile/internet • Strengthening digital banking services (e.g.,
banking) sebagai saluran utama saat cabang fisik mobile and internet banking) as primary service
terdampak kejadian iklim, sekaligus mengurangi channels when physical branches are disrupted
ketergantungan pada lokasi tertentu. by climate-related events, while reducing
dependency on specific physical locations.
Prinsip Just Transition dalam Transisi dan Just Transition Principles in Climate
Adaptasi Iklim [GRI 102-3] Transition and Adaptation [GRI 102-3]
Pendekatan utama just transition meliputi: The main approaches to just transition include:
a. Social dialogue & keterlibatan pemangku kepentingan a. Social dialogue and stakeholder engagement
(karyawan, serikat bila ada, komunitas, nasabah (employees, unions where applicable, communities,
UMKM); MSME customers);
b. Perlindungan & pengembangan kompetensi: reskilling/ b. Competency protection and development: employee
upskilling karyawan, pelatihan untuk mendukung reskilling/upskilling, training to support low-carbon
operasional rendah karbon; operations;
c. Transisi portofolio yang bertahap & adil: bukan “cut-off c. Gradual and equitable portfolio transition: not
mendadak”, melainkan engagement dengan debitur a “sudden cut-off,” but rather engagement with
untuk rencana perbaikan; dan borrowers on improvement plans; and
d. Akses pembiayaan inklusif: produk transisi untuk d. Access to inclusive financing: transition products for
UMKM agar bisa memenuhi standar lingkungan MSMEs to meet environmental standards (energy
(efisiensi energi, peralatan lebih bersih). efficiency, cleaner equipment).
Dampak sosial dan ekonomi dari agenda iklim: Social and economic impacts of the climate agenda:
a. Pada debitur/sektor tertentu: biaya kepatuhan a. For specific borrowers/sectors: increased
lingkungan naik, perubahan teknologi/proses produksi, environmental compliance costs, changes in
potensi penurunan permintaan produk intensif karbon, technology/production processes, potential decline
risiko stranded aset; in demand for carbon-intensive products, risk of
stranded assets;
b. Pada tenaga kerja: potensi pergeseran kebutuhan b. For the workforce: potential shifts in skills requirements
skill (mis. analisa ESG, audit energi, manajemen risiko (e.g., ESG analysis, energy audits, climate risk
iklim); dan management); and
c. Pada nasabah UMKM: kebutuhan investasi awal untuk c. For MSME customers: the need for initial investment
efisiensi/standar lingkungan; risiko “exclusion” jika in environmental efficiency/standards; risk of exclusion
persyaratan terlalu ketat. if requirements are too stringent.
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Laporan Keberlanjutan • Sustainability Report Lembar Umpan Balik [POJK51-G.2] Feedback Form Kami mengucapkan terima kasih atas perhatian dan We would like to thank you for taking the time to read kesediaan Bapak/Ibu/Saudara dalam membaca Laporan PT IBK’s 2025 Sustainability Report. In order to improve Keberlanjutan PT IBK tahun 2025. Dalam rangka the quality of the report, enhance transparency regarding meningkatkan kualitas penyajian laporan, memperkuat our sustainability performance, and provide feedback for transparansi kinerja keberlanjutan, serta sebagai bahan the preparation of future reports, we kindly ask for your evaluasi untuk penyusunan laporan pada periode participation in completing the Feedback Form provided berikutnya, kami mengharapkan partisipasi Bapak/Ibu/ and returning it to us as a form of support for our ongoing Saudara untuk mengisi Lembar Umpan Balik yang telah efforts toward continuous improvement. disediakan dan mengembalikannya kepada kami sebagai bentuk dukungan terhadap perbaikan berkelanjutan di masa mendatang. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 485
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Laporan Keberlanjutan • Sustainability Report
Profil Pembaca
Reader Profile
Nama Lengkap
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Nama Institusi/Perusahaan
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Identify Stakeholder Groups (choose one)
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1. Laporan Keberlanjutan ini mudah dimengerti.
This Sustainability Report is easy to understand.
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Agree Do Not Know Disagree
2. Laporan ini sudah menggambarkan informasi positif dan negatif Bank.
This report has described both positive and negative information on the Company.
Setuju Tidak Tahu Tidak Setuju
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3. Topik material apa yang paling penting bagi Anda? (nilai 1 = paling tidak penting sampai 5 = paling penting).
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Kinerja Ekonomi Pengembangan Sosial Kemasyarakatan
Economic Performance Social Community Development
Dampak Ekonomi Tidak Langsung Privasi Nasabah
Indirect Economic Impact Customer Privacy
Ketenagakerjaan Portofolio Produk dan Layanan Berkelanjutan
Employment Sustainable Product and Service Portfolio
Pengembangan Kompetensi dan Karier Karyawan
Employee Competence and Career Development
4. Mohon berikan saran/usul/komentar Bapak/Ibu atas Laporan ini:
Please provide your suggestions/recommendations/comments regarding this Report
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kembali lembar umpan Kantor Pusat / Head Office (021) 5790 8888
balik ini kepada: Wisma GKBI Suite UG-01 (021) 5790 6888
Please send this feedback Jl. Jend. Sudirman No. 28 corsec@ibk.co.id
form back to: Jakarta Pusat 10210, Indonesia http://www.ibk.co.id/
486 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Laporan Keberlanjutan • Sustainability Report Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya [POJK51-G.3] Response to Previous Year’s Sustainability Report Feedback Setelah publikasi Laporan Keberlanjutan tahun 2024, Bank Following the publication of the 2024 Sustainability Report, tidak menerima masukan maupun tanggapan dari para the Bank did not receive any feedback or comments from pemangku kepentingan. Oleh karena itu, pada laporan stakeholders. Therefore, this report does not include ini tidak disajikan informasi khusus terkait langkah tindak specific information regarding the follow-up actions taken lanjut yang dilakukan Bank atas tanggapan pemangku by the Bank in response to stakeholder feedback from the kepentingan pada periode sebelumnya. previous period PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 487
Page 488
Laporan Keberlanjutan • Sustainability Report
Daftar Pengungkapan Sesuai POJK
No. 51/POJK.03/2017 [POJK51-G.4]
List of Disclosures According to POJK No. 51/POJK.03/2017
No. Indeks Nama Indeks Halaman
Index No. Index Name Page
Penjelasan Strategi Keberlanjutan
A.1 420
Explanation of Sustainability Strategy
Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights
Ikhtisar Kinerja Ekonomi
B.1 425
Economic Performance Highlights
Ikhtisar Kinerja Lingkungan Hidup
B.2 425
Environmental Performance Highlights
Ikhtisar Kinerja Sosial
B.3 427
Social Performance Highlights
Profil Perusahaan
Company Profile
Visi, Misi, dan Nilai Keberlanjutan
C.1 72
Vision, Mission, and Sustainability Values
Alamat Perusahaan
C.2 66
Company Address
Skala Perusahaan
C.3 66
Company Scale
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
C.4 74
Products, Services, and Business Activities
Keanggotaan pada Asosiasi
C.5 87
Membership in Association
Perubahan Organisasi Bersifat Signifikan
C.6 88
Significant Organizational Changes
Penjelasan Direksi
Explanation from the Board of Directors
Penjelasan Direksi
D.1 31
Explanation from the Board of Directors
Tata Kelola Keberlanjutan
Sustainability Governance
Penanggung Jawab Penerapan Keuangan Berkelanjutan
E.1 433
Person in Charge of Sustainable Finance Implementation
Pengembangan Kompetensi Terkait Keuangan Berkelanjutan
E.2 434
Competency Development Related to Sustainable Finance
Penilaian Risiko Atas Penerapan Keuangan berkelanjutan
E.3 437
Risk Assessment of Sustainable Finance Implementation
Hubungan dengan Pemangku Kepentingan
E.4 438
Relationships with Stakeholders
Permasalahan Terhadap Penerapan Keuangan Berkelanjutan
E.5 441
Problems in Sustainable Finance Implementation
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Laporan Keberlanjutan • Sustainability Report
No. Indeks Nama Indeks Halaman
Index No. Index Name Page
Kinerja Keberlanjutan
Sustainability Performance
Kegiatan Membangun Budaya Keberlanjutan
F.1 447
Building a Sustainability Culture
Kinerja Ekonomi
Economic Performance
Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan
dan Laba Rugi
F.2 448
Comparison of Targets and Performance of Production, Portfolios, Financing Targets, or Investments,
Income and Profit and Loss
Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen
Keuangan atau Proyek yang Sejalan dengan Keuangan Berkelanjutan
F.3 448
Comparison of Targets and Performance of Portfolio, Financing Targets, or Investments in Financial
Instruments or Projects in Line with Sustainable Finance
Kinerja Lingkungan
Environmental Performance
Umum / General
Biaya Lingkungan Hidup
F.4 480
Environmental Costs
Aspek Material / Material Aspect
Penggunaan Material yang Ramah Lingkungan
F.5 473
Use of Environmentally Friendly Material
Aspek Energi / Energy Aspect
Jumlah dan Intensitas Energi yang Digunakan
F.6 472
Amount and Intensity of Energy Consumed
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
F.7 475
Efforts and Achievements of Energy Efficiency and Renewable Energy Consumed
Aspek Air / Water Aspect
Penggunaan Air
F.8 476
Water Consumption
Aspek Keanekaragaman Hayati / Biodiversity Aspect
Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki
F.9 Keanekaragaman Hayati 480
Impact of Operational Areas Adjacent to or in Conservation Areas or Areas with Biodiversity
Usaha Konservasi Keanekaragaman Hayati
F.10 481
Biodiversity Conservation Efforts
Aspek Emisi / Emission Aspect
Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya
F.11 471
Amount and Intensity of Emissions Generated by Type
Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan
F.12 476
Efforts and Achievements of Emission Reduction Implemented
Aspek Limbah dan Efluen / Waste and Effluent Aspect
umlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis
F.13 479
Amount of Waste and Effluent Generated by Type
Mekanisme Pengelolaan Limbah dan Efluen
F.14 479
Waste and Effluent Management Mechanism
Tumpahan yang Terjadi (jika ada)
F.15 -
Spills (if any)
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Laporan Keberlanjutan • Sustainability Report
No. Indeks Nama Indeks Halaman
Index No. Index Name Page
Aspek Pengaduan Terkait Lingkungan Hidup / Aspect of Complaints Related to the Environment
Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan
F.16 481
Number and Material of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Performance
Komitmen LJK, Emiten, atau Perusahaan Publik untuk Memberikan Layanan atas Produk dan/atau
Jasa yang Setara kepada Konsumen
F.17 454
Commitment of LJK, Issuer, or Public Company to Providing Equal Products and/or Services to
Consumers
Aspek Ketenagakerjaan / Employment Aspect
Kesetaraan Kesempatan Bekerja
F.18 460
Equal Employment Opportunity
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19 463
Child Labor and Forced Labor
Upah Minimum Regional
F.20 465
Regional Minimum Wage
Lingkungan Bekerja yang Layak dan Aman
F.21 467
Decent and Safe Working Environment
Pelatihan dan Pengembangan Kemampuan Karyawan
F.22 468
Employee Training and Capacity Development
Aspek Masyarakat / Community Aspect
Dampak Operasi Terhadap Masyarakat Sekitar
F.23 470
Impact of Operations on Surrounding Communities
Pengaduan Masyarakat
F.24 472
Community Complaints
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
F.25 471
Environmental Social Responsibility Activities (TJSL)
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan/ Responsibility for Sustainable Product/Service Development
Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan
F.26 454
Sustainable Finance Products/Services Innovation and Development
Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan
F.27 455
Products/Services with Evaluated Customer Safety
Dampak Produk/Jasa
F.28 457
Impacts of Products/Services
Jumlah Produk yang Ditarik Kembali
F.29 458
Number of Products Recalled
Survei Kepuasan Pelanggan Terhadap Produk dan/atau Jasa Keuangan Berkelanjutan
F.30 458
Customer Satisfaction Survey on Sustainable Finance Products and/or Services
Lain-lain
Miscellaneous
Verifikasi Tertulis dari Pihak Independen (jika ada)
G.1 -
Written Verification from an Independent Party (if any)
Lembar Umpan Balik
G.2 485
Feedback Form
Tanggapan Terhadap Umpan Balik Laporan Tahun Sebelumnya
G.3 487
Response to Previous Year’s Report Feedback
Daftar Pengungkapan Sesuai POJK 51/2017
G.4 488
List of Disclosures According to POJK 51/2017
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Laporan Keberlanjutan • Sustainability Report
Indeks Standar GRI 2021
2021 GRI Standards Index
Pernyataan PT Bank IBK Indonesia Tbk telah melaporkan informasi yang dikutip dalam indeks konten GRI ini untuk periode
Penggunaan 1 Januari - 31 Desember 2025 dengan mengacu pada Standar GRI.
Statement of use PT Bank IBK Indonesia Tbk has reported the information cited in this GRI content index for the period January
1 - December 31, 2025 with reference to the GRI Standards.
GRI 1 digunakan GRI 1: Landasan 2021
GRI 1 used GRI 1: Foundation 2021
Standar GRI Pengungkapan Halaman
GRI Standard Disclosure Page
GRI 2: 2-1 Rincian Organisasi / Organizational details 66
Pengungkapan 2-2 Entitas yang dicantumkan dalam pelaporan keberlanjutan organisasi / 428
Umum 2021 Entities included in the organization’s sustainability reporting
GRI 2: General
Disclosures 2021 2-3 Periode, frekuensi, dan titik kontak pelaporan / Reporting period, 428, 431
frequency and contact point
2-4 Penyajian kembali informasi / Restatements of information 428
2-5 Penjaminan eksternal / External assurance 431
2-6 Kegiatan, rantai nilai dan hubungan bisnis lain / Activities, value chain 74
and other business relationships
2-7 Karyawan / Employees 461
2-8 Pekerja yang bukan karyawan / Workers who are not employees 461
2-9 Struktur dan komposisi tata kelola / Governance structure and 208
composition
2-10 Nominasi dan pemlihan badan tata kelola tertinggi / Nomination and 276
selection of the highest governance body
2-11 Kepada badan tata kelola tertinggi / Chair of the highest governance 228
body
2-12 Peran badan tata kelola tertinggi dalam mengawasi pengelolaan 236
dampak / Role of the highest governance body in overseeing the
management of impacts
2-13 Pembagian tanggung jawab untuk mengelola dampak / Delegation of 236
responsibility for managing impacts
2-14 Peran badan tata kelola tertinggi dalam pelaporan keberlanjutan / 433
Role of the highest governance body in sustainability reporting
2-15 Benturan kepentingan / Conflicts of interest 446
2-16 Komunikasi yang menjadi perhatian penting / Communication of 396
critical concerns
2-17 Pengetahuan kolektif dari badan tata kelola tertinggi / Collective 434
knowledge of the highest governance body
2-18 Evaluasi kinerja badan tata kelola tertinggi / Evaluation of the 273
performance of the highest governance body
2-19 Kebijakan remunerasi / Remuneration policies 277
2-20 Proses untuk menentukan remunerasi / Process to determine 277
remuneration
2-21 Rasio jumlah kompensasi tahunan / Annual total compensation ratio 279
2-22 Pernyataan strategi pengembangan berkelanjutan / Statement on 420
sustainable development strategy
2-23 Komitmen kebijakan / Policy commitments 420
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Standar GRI Pengungkapan Halaman
GRI Standard Disclosure Page
2-24 Menanamkan komitmen kebijakan / Embedding policy commitments 420
2-25 Proses untuk memulihkan dampak negatif / Processes to remediate 396
negative impacts
2-26 Mekanisme untuk meminta saran dan menyampaikan kekhawatiran / 396
Mechanisms for seeking advice and raising concerns
2-27 Kepatuhan terhadap hukum dan peraturan / Compliance with laws 390
and regulations
2-28 Keanggotaan asosiasi / Membership associations 87
2-29 Pendekatan terhadap pelibatan pemangku kepentingan / Approach to 438
stakeholder engagement
2-30 Perjanjian kerja bersama / Collective bargaining agreements 467
GRI 3: Topik 3-1 Proses untuk menentukan topik material / Process to determine 429
Material 2021 material topics
GRI 3: Material Topics 3-2 Daftar topik material / List of material topics 430
2021
3-3 Pengelolaan topik material / Management of material topics 447, 454, 459, 469, 473
GRI 101: 101-1 Kebijakan untuk menghentikan dan membalikkan hilangnya 480
Keanekaragaman keanekaragaman hayati / Policies to halt and recerse biodiversity loss
Hayati 2024 101-2 Pengelolaan dampak keanekaragaman hayati / Management of 480
GRI 101: Biodiversity biodiversity impacts
2024
GRI 102: Perubahan 102-1 Rencana transisi untuk mitigasi perubahan iklim / Transition plan for 481
Iklim 2025 climate change mitigation
GRI 102: Climate 102-2 Rencana adaptasi perubahan iklim / Climate change adaptation plan 483
Change 2025
102-3 Transisi yang adil / Just transition 484
102-4 Target dan kemajuan pengurangan emisi GHG / GHG emissions 476
reduction targets and progress
102-5 Emisi GHG Lingkup 1 / Scope 1 GHG emissions 476
102-6 Emisi GHG Lingkup 2 / Scope 2 GHG emissions 476
102-8 Intensitas emisi GHG / GHG emissions intensity 476
GRI 201: Kinerja 201-1 Nilai ekonomi langsung yang dihasilkan dan didistribusikan / Direct 449
Ekonomi 2016 economic value generated and distributed
GRI 201: Economic 201-3 Kewajiban rencana manfaat pasti dan rencana pensiun lainnya / 453
Performance 2016 Defined benefit plan obligations and other retirement plans
201-4 Bantuan keuangan yang diterima dari pemerintah / Financial 453
assistance received from government
GRI 202: Keberadaan 202-1 Rasio upah standar tingkat pemula berdasarkan jenis kelamin 465
Pasar 2016 dibandingkan dengan upah minimum setempat / Ratios of standard
GRI 202: Market entry level wage by gender compared to local minimum wage
Presence 2016
GRI 203: Dampak 203-2 Dampak signifikan ekonomi tidak langsung / Significant indirect 453
Ekonomi Tidak economic impacts
Langsung 2016
GRI 203: Indirect
Economic Impacts
2016
GRI 204: 204-1 Proporsi pengeluaran untuk pemasok lokal / Proportion of spending 471
Procurement on local suppliers
Practices 2016
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Laporan Keberlanjutan • Sustainability Report
Standar GRI Pengungkapan Halaman
GRI Standard Disclosure Page
GRI 205: 205-1 Operasional dinilai untuk risiko berkaitan dengan korupsi / Operations 400
Anti-korupsi 2016 assessed for risks related to corruption
GRI 205: Anti- 205-2 Komunikasi dan pelatihan tentang kebijakan dan prosedur antikorupsi 400
corruption 2016 / Communication and training about anti-corruption policies and
procedures
GRI 207: Pajak 2019 207-1 Pendekatan terhadap pajak / Approach to tax 452
GRI 207: Tax 2019 207-2 Tata kelola pajak, kontrol dan manajemen risiko / Tax governance, 452
control, and risk management
207-3 Pelibatan pemangku kepentingan dan manejemen perhatian terkait 452
pajak / Stakeholder engagement and management of concerns
related to tax
GRI 301: Material 301-1 Bahan yang digunakan berdasarkan berat atau volume / Materials 473
2016 used by weight or volume
GRI 301: Materials 301-2 Bahan masukan daur ulang yang digunakan / Recycled input materials 473
2016 used
GRI 302: Energi 2016 302-1 Konsumsi energi di dalam organisasi / Energy consumption within the 473
GRI 302: Energy 2016 organization
302-3 Intensitas Energi / Energy intensity 473
302-4 Pengurangan konsumsi energi / Reduction of energy consumption 473
GRI 303: Air dan 303-1 Interaksi dengan air sebagai sumber daya bersama / Interactions with 476
Efluen 2018 water as a shared resource
GRI 303: Water and 303-2 Pengelolaan dampak terkait pembuangan air / Management of water 476
Effluents 2018 discharge-related impacts
303-5 Konsumsi Air / Water consumption 476
GRI 306: Limbah 306-1 Produksi limbah dan dampak signifikan terkait limbah / Waste 479
2020 generation and significant waste-related impacts
GRI 306: Waste 2020 306-2 Pengelolaan dampak terkait limbah signifikan / Management of 479
significant waste-related impacts
306-3 Limbah yang dihasilkan / Waste generated 479
GRI 401: 401-1 Karyawan baru yang direkruit dan perputaran karyawan / New 459
Ketenagakerjaan employee hires and employee turnover
2016 401-2 Manfaat yang diberikan kepada karyawan penuh waktu yang tidak 466
GRI 401: Employment diberikan kepada karyawan sementara atau paruh waktu / Benefits
2016 provided to full-time employees that are not provided to temporary or
part-time employees
401-3 Cuti orang tua / Parental leave 467
GRI 403: Kesehatan 403-1 Sistem manajemen kesehatan dan keselamatan kerja / Occupational 467
dan Keselamatan health and safety management system
Kerja 2018 403-2 Identifikasi bahaya, penilaian risiko, dan investigasi insiden / Hazard 467
GRI 403: Occupational identification, risk assessment, and incident investigation
Health and Safety 2018
GRI 404: Pelatihan 404-1 Rata-rata jam pelatihan per tahun per karyawan / Average hours of 468
dan Pendidikan 2016 training per year per employee
GRI 404: Training and 404-2 Program untuk meningkatkan keterampilan karyawan dan program 468
Education 2016 dukungan transisi / Programs for upgrading employee skills and
transition assistance programs
GRI 406: Non- 406-1 Insiden diskriminasi dan upaya yang dilakukan / Incidents of 463
diskriminasi 2016 discrimination and corrective actions taken
GRI 406: Non-
discrimination 2016
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Laporan Keberlanjutan • Sustainability Report
Standar GRI Pengungkapan Halaman
GRI Standard Disclosure Page
GRI 408: Tenaga 408-1 Operasi dan pemasok berisiko signifikan terhadap insiden pekerja 463
Kerja Anak 2016 anak / Operations and suppliers at significant risk for incidents of
GRI 408: Child Labor child labor
2016
GRI 409: Tenaga 409-1 Operasi dan pemasok berisiko signifikan terhadap insiden kerja paksa 463
Kerja Paksa dan atau wajib / Operations and suppliers at significant risk for incidents
Wajib 2016 of forced or compulsory labor
GRI 409: Forced or
Compulsory Labor
2016
GRI 410: Praktik 410-1 Personel keamanan yang terlatih dalam kebijakan atau prosedur hak 464
Keamanan 2016 asasi manusia / Security personnel trained in human rights policies or
GRI 410: Security procedures
Practices 2016
GRI 413: Masyarakat 413-1 Operasi dengan pelibatan masyarakat sekitar, penilaian dampak, 470
Lokal 2016 dan program pengembangan / Operations with local community
GRI 413: Local engagement, impact assessments, and development programs
Communities 2016 413-2 Operasi dengan dampak negatif aktual dan potensial yang signifikan 470
terhadap masyarakat setempat / Operations with significant actual
and potential negative impacts on local communities
GRI 416: Kesehatan 416-1 Penilaian dampak kesehatan dan keselamatan dari kategori produk 455
dan Keselamatan dan layanan / Assessment of the health and safety impacts of product
Pelanggan 2016 and service categories
GRI 416: Customer
Health and Safety 2016
GRI 418: Pribasi 418-1 Keluhan yang terbukti mengenai pelanggaran privasi pelanggan dan 457
Pelanggan 2016 kehilangan data pelanggan / Substantiated complaints concerning
GRI 418: Customer breaches of customer privacy and losses of customer data
Privacy 2016
494 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
Page 495
Tanggung Jawab Laporan Tahunan dan Laporan Keberlanjutan Annual Report and Sustainability Report Responsibility Surat Pernyataan Anggota Direksi dan Statement of Members of the Board of Dewan Komisaris tentang Tanggung Directors and the Board of Commissioners Jawab atas Laporan Tahunan dan on the Responsibility for the 2025 Annual Laporan Keberlanjutan 2025 PT Bank IBK Report and Sustainability Report of Indonesia Tbk PT Bank IBK Indonesia Tbk Kami, yang bertanda tangan di bawah ini, menyatakan We, the undersigned, hereby declare that all information in bahwa semua informasi dalam Laporan Tahunan dan the Annual Report and Sustainability Report of PT Bank IBK Laporan Keberlanjutan PT Bank IBK Indonesia Tbk tahun Indonesia Tbk for the year 2025 has been fully contained 2025 telah dimuat secara lengkap dan bertanggung jawab and we shall be fully responsible to the correctness of penuh atas kebenaran isi Laporan Tahunan dan Laporan contents in the Annual Report and Sustainability Report of Keberlanjutan Bank. the Bank. Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness. PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 495
Page 496
Jakarta, 2026
Direksi
Board of Directors
Oh In Taek
Direktur Utama
President Director
Park Jin Je Andreas Mikhael Sumual
Direktur Direktur
Director Director
Edwin Rudianto Alexander Frans Rori
Direktur Direktur Kepatuhan
Director Compliance Director
Dewan Komisaris
Board of Commissioners
Taufik Hakim
Komisaris Utama (Independen)
President Commissioner (Independent)
Ko Dae Jin Damal Bayu Utama Joni Swastanto
Komisaris Komisaris Independen Komisaris Independen
Commissioner Independent Commissioner Independent Commissioner
496 PT Bank IBK Indonesia Tbk • Laporan Tahunan dan Laporan Keberlanjutan 2025
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Halaman Ini sengaja dikosongkan
This page is intentionally left blank
PT Bank IBK Indonesia Tbk • 2025 Annual Report and Sustainability Report 497
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Laporan Keuangan yang Telah Diaudit Audited Financial Statements
Page 499
Page 500
PT BANK IBK INDONESIA Tbk
LAPORAN KEUANGAN/
FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025/
FOR THE YEAR ENDED DECEMBER 31, 2025
DAN/AND
LAPORAN AUDITOR INDEPENDEN/
INDEPENDENT AUDITORS’ REPORT
Page 501
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
LAPORAN KEUANGAN FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR FOR THE YEAR ENDED
31 DESEMBER 2025 DECEMBER 31, 2025
DAFTAR ISI TABLE OF CONTENTS
Laporan Auditor Independen Independent Auditors’ Report
Surat Pernyataan Direksi Directors’ Statement Letter
Halaman/
Pages
Laporan Posisi Keuangan 1-2 Statement of Financial Position
Laporan Laba Rugi dan Statement of Profit or Loss and
Penghasilan Komprehensif Lain 3-4 Other Comprehensive Income
Laporan Perubahan Ekuitas 5-6 Statement of Changes in Equity
Laporan Arus Kas 7-8 Statement of Cash Flows
Catatan atas Laporan Keuangan 9 - 112 Notes to the Financial Statements
Page 502
Page 503
Page 504
Page 505
Page 506
Page 507
Page 508
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
31 DESEMBER 2025 DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
Catatan/
2025 Notes 2024
ASET ASSETS
Kas 78.674 4,32 70.283 Cash
Giro pada Current accounts with
Bank Indonesia 1.217.510 5,32 1.057.942 Bank Indonesia
Giro pada bank lain 393.005 6,32 475.361 Current accounts with other banks
Dikurangi: cadangan kerugian Less: allowance for
penurunan nilai (239) 6 (239) impairment losses
392.766 475.122
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 485.000 7,32 655.685 Indonesia and other banks
Efek-efek 3.097.046 8,32 2.486.988 Securities
Dikurangi: cadangan kerugian Less: allowance for
penurunan nilai (125) 8 (168) impairment losses
3.096.921 2.486.820
Kredit yang diberikan 14.470.366 9,32 11.707.744 Loans
Dikurangi: cadangan kerugian Less: allowance for
penurunan nilai (236.736) 9 (200.633) impairment losses
14.233.630 11.507.111
Aset tetap - bersih 124.505 10 160.789 Fixed assets - net
Aset takberwujud - bersih 17.554 11 19.142 Intangible assets - net
Tagihan lainnya - bersih 3.545.392 12,32 3.463.628 Other receivables - net
Aset pajak tangguhan - bersih 6.455 24d 17.621 Deferred tax assets - net
Aset lain-lain - bersih 208.331 13,32 147.476 Other assets - net
JUMLAH ASET 2 3 . 4 06 . 7 3 8 20.061.619 TOTAL ASSETS
Catatan atas Laporan Keuangan merupakan bagian yang Notes to the Financial Statements are an
tidak terpisahkan dari Laporan Keuangan secara keseluruhan. integral part of the Financial Statements taken as a whole.
1
Page 509
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
31 DESEMBER 2025 DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
Catatan/
2025 Notes 2024
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Simpanan dari nasabah 11.915.829 14,32 9.408.319 Deposits from customers
Simpanan dari bank lain 171.426 15,32 14.118 Deposits from other banks
Pinjaman yang diterima 5.169.250 16,32 4.748.025 Borrowings
Utang pajak 19.180 24c 28.999 Tax payables
Liabilitas imbalan Post-employment
pascakerja 25.438 25 19.609 benefits liabilities
Liabilitas lain-lain 290.548 17,32 263.037 Other liabilities
JUMLAH LIABILI TAS 17.591.671 14.482.107 TOTAL LIABILITIES
EKUITAS EQUITY
Modal saham - Share capital-
Modal dasar - sebanyak Authorized -
60.000.000.000 lembar 60,000,000,000 shares
saham dengan nilai nominal with par value of
Rp100 (nilai penuh) Rp100 (full amount)
per saham pada tanggal per share as of
31 Desember 2025 December 31, 2025
dan 2024 and 2024
Modal ditempatkan dan Issued and fully paid -
disetor - sebanyak 47,864,384,874
47.864.384.874 lembar shares with par value
saham dengan nilai nominal Rp100 (full amount)
Rp100 (nilai penuh) per per share as of
saham pada tanggal December 31, 2025
31 Desember 2025 dan 2024 4.786.438 18 4.786.438 and 2024
Tambahan modal disetor - bersih 900.393 19 900.393 Additional paid-in capital - net
Pengukuran kembali atas Remeasurement of
program imbalan pasti (307) 25 488 defined benefits plan
Keuntungan (kerugian) yang
belum direalisasi atas aset Unrealized gain (loss) from
keuangan yang diukur pada financial assets measured at
nilai wajar melalui penghasilan fair value through other
komprehensif lain - bersih 10.049 8 (28.876) comprehensive income - net
Saldo laba (defisit): Retained earnings (deficit):
Ditentukan penggunaannya 400 400 Appropriated
Belum ditentukan
penggunaannya 118.094 (79.331) Unappropriated
JUMLAH EKUITAS 5.815.067 5.579.512 TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 2 3 . 4 06 . 7 3 8 20.061.619 TOTAL LIABILITIES AND EQUITY
Catatan atas Laporan Keuangan merupakan bagian yang Notes to the Financial Statements are an
tidak terpisahkan dari Laporan Keuangan secara keseluruhan. integral part of the Financial Statements taken as a whole.
2
Page 510
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
LAPORAN LABA RUGI DAN STATEMENT OF PROFIT OR LOSS AND
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
Catatan/
2025 Notes 2024
Pendapatan bunga 1.374.292 20 1.368.514 Interest income
Beban bunga (804.679) 21 (787.275) Interest expenses
Pendapatan bunga - bersih 569.613 581.239 Interest income - net
Pendapatan operasional lainnya Other operating income
Provisi dan komisi lainnya 89.573 80.750 Other fees and commissions
Keuntungan dari penjualan
efek-efek - bersih 9.602 - Gain on sale of securities - net
Keuntungan selisih kurs Gain on foreign
mata uang asing - bersih 17.023 20.900 exchange - net
Jumlah pendapatan Total other
operasional lainnya 116.198 101.650 operating income
(Pembentukan) pemulihan
cadangan kerugian penurunan (Provision) reversal for impairment
nilai aset keuangan (23.785) 22.315 losses on financial assets
Beban operasional lainnya Other operating expenses
Beban umum dan General and
administrasi (176.965) 22 (200.564) administrative expenses
Beban tenaga kerja dan Salaries and
tunjangan (220.860) 23 (216.267) allowance expenses
Beban lain-lain - bersih (9.020) (8.437) Other expenses - net
Jumlah beban operasional lainnya (406.845) (425.268) Total other operating expenses
LABA OPERASIONAL 2 5 5. 1 81 279.936 OPERATING PROFIT
Pendapatan nonoperasional Non-operating income
Keuntungan (kerugian) penjualan Gain (loss) on sale of
aset tetap - bersih (372) 10 73 fixed assets - net
LABA SEBELUM BEBAN PAJAK 254. 8 0 9 280.009 PROFIT BEFORE TAX EXPENSES
BEBAN PAJAK TAX EXPENSE
Kini (56.877) 24a (53.164) Current
Tangguhan (507) 24d (10.994) Deferred
Jumlah beban pajak (57.384) (64.158) Total tax expense
LABA BERSIH TAHUN BERJALAN 197. 4 2 5 215.851 NET PROFIT FOR THE YEAR
Catatan atas Laporan Keuangan merupakan bagian yang Notes to the Financial Statements are an
tidak terpisahkan dari Laporan Keuangan secara keseluruhan. integral part of the Financial Statements taken as a whole.
3
Page 511
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
LAPORAN LABA RUGI DAN STATEMENT OF PROFIT OR LOSS AND
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
Catatan/
2025 Notes 2024
PENGHASILAN KOMPREHENSIF OT HER C OMP R E HE NS I V E
LAIN I N CO ME
Pos-pos yang tidak akan Items that will not be
direklasifikasi ke laba rugi: reclassified to profit or loss:
Pengukuran kembali atas Remeasurement of
program imbalan pasti (1.115) 25 757 defined benefits plan
Pajak penghasilan terkait 320 24d (166) Related income tax
Pos-pos yang akan direklasifikasi Items that will be
ke laba rugi: reclassified to profit or loss:
Keuntungan (kerugian) yang
belum direalisasi atas aset Unrealized gain (loss) from
keuangan yang diukur pada financial assets measured
nilai wajar melalui penghasilan at fair value through other
komprehensif lain 49.904 8 (16.191) comprehensive income
Pajak penghasilan terkait (10.979) 8,24d 3.562 Related income tax
JUMLAH PENGHASILAN (RUGI)
KOMPREHENSIF LAIN, TOTAL OTHER COMPREHENSIVE
SETELAH PAJAK 38. 1 3 0 (12.038) INCOME (LOSS), NET OF TAX
JUMLAH PENGHASILAN
KOMPREHENSIF TAHUN TOTAL COMPREHENSIVE
BERJALAN 235. 5 5 5 203.813 INCOME FOR THE YEAR
LABA PER SAHAM DASAR DAN BASIC AND DILUTED EARNINGS
DILUTIF (nilai penuh) 4, 12 26 5,16 PER SHARE (full amount)
Catatan atas Laporan Keuangan merupakan bagian yang Notes to the Financial Statements are an
tidak terpisahkan dari Laporan Keuangan secara keseluruhan. integral part of the Financial Statements taken as a whole.
4
Page 512
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
Keuntungan
(kerugian) yang
belum direalisasi
atas aset
keuangan yang
diukur pada nilai
wajar melalui
penghasilan
komprehensif
lain - bersih/
Unrealized gains
Pengukuran (loss) from
kembali atas financial asset Saldo laba (defisit)/
Modal Tambahan Uang muka program imbalan measured at fair Retained earnings (deficit)
ditempatkan modal disetor - setoran pasti/ value through
dan disetor/ bersih/ modal/ Remeasurement other Ditentukan Belum ditentukan
Issued and Additional paid- Advances for of defined comprehensive penggunaannya/ penggunaannya/ Saham treasuri/ Jumlah ekuitas/
fully paid in capital - net share capital benefits plan income - net Appropriated Unappropriated Treasury stock Total equity
Saldo pada tanggal Balance as of
1 Januari 2024 3.778.320 903.284 1.000.000 (103) (16.247) 400 (295.182) (1.793) 5.368.679 January 1, 2024
Penawaran umum terbatas 1.008.118 (2.891) (1.000.000) - - - - - 5.227 Limited public offering
Dana setoran modal - - - - - - - 1.793 1.793 Advance for share capital
Laba bersih tahun berjalan - - - - - - 215.851 - 215.851 Net profit for the year
Penghasilan komprehensif Other comprehensive
lain - - - 591 (12.629) - - - (12.038) income
Saldo pada tanggal Balance as of
31 Desember 2024 4.786.438 900.393 - 488 (28.876) 400 (79.331) - 5.579.512 December 31, 2024
Catatan atas Laporan Keuangan merupakan bagian yang Notes to the Financial Statements are an
tidak terpisahkan dari Laporan Keuangan secara keseluruhan. integral part of the Financial Statements taken as a whole.
5
Page 513
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
Keuntungan
(kerugian) yang
belum direalisasi
atas aset
keuangan yang
diukur pada nilai
wajar melalui
penghasilan
komprehensif
lain - bersih/
Unrealized gains
Pengukuran (loss) from
kembali atas financial asset Saldo laba (defisit)/
Modal Tambahan Uang muka program imbalan measured at fair Retained earnings (deficit)
ditempatkan modal disetor - setoran pasti/ value through
dan disetor/ bersih/ modal/ Remeasurement other Ditentukan Belum ditentukan
Issued and Additional paid- Advances for of defined comprehensive penggunaannya/ penggunaannya/ Saham treasuri/ Jumlah ekuitas/
fully paid in capital - net share capital benefits plan income - net Appropriated Unappropriated Treasury stock Total equity
Saldo pada tanggal Balance as of
31 Desember 2024 4.786.438 900.393 - 488 (28.876) 400 (79.331) - 5.579.512 December 31, 2024
Laba bersih tahun berjalan - - - - - - 197.425 - 197.425 Net profit for the year
Penghasilan komprehensif Other comprehensive
lain - - - (795) 38.925 - - - 38.130 income
Saldo pada tanggal Balance as of
31 Desember 2025 4.786.438 900.393 - (307) 10.049 400 118.094 - 5.815.067 December 31, 2025
Catatan atas Laporan Keuangan merupakan bagian yang Notes to the Financial Statements are an
tidak terpisahkan dari Laporan Keuangan secara keseluruhan. integral part of the Financial Statements taken as a whole.
6
Page 514
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
Catatan/
2025 Notes 2024
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan bunga 1.393.185 1.358.223 Interest received
Pembayaran bunga (785.051) (775.062) Interest paid
Penerimaan dari pendapatan Receipts from other
operasional lainnya 99.155 126.603 operating income
Pembayaran beban umum dan General and administrative
administrasi (114.512) (117.472) expenses paid
Pembayaran beban karyawan (216.174) (210.385) Employee expenses paid
Pembayaran pajak Corporate income
penghasilan badan (66.115) (40.115) tax paid
Arus kas operasi sebelum Operating cash flows before
perubahan dalam aset dan changes in operating
liabilitas operasi 310.488 341.792 assets and liabilities
Perubahan dalam aset dan Changes in operating assets
liabilitas operasi: and liabilities:
Efek-efek (560.154) 809.106 Securities
Kredit yang diberikan (2.592.931) (2.192.855) Loans
Aset lain-lain 890 466.544 Other assets
Simpanan dari nasabah 2.440.935 447.726 Deposits from customers
Simpanan dari bank lain 157.307 (597.248) Deposits from other banks
Utang pajak (581) (2.826) Tax payables
Liabilitas lain-lain (2.528) 2.597 Other liabilities
Kas Bersih Digunakan untuk Net Cash Used in
Aktivitas Operasi (246.574) (725.164) Operating Activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS INVESTASI INVESTING ACTIVITIES
Hasil penjualan aset tetap 94 10 89 Proceeds from fixed assets sold
Perolehan aset takberwujud (4.157) 11 (13.571) Acquisition of intangible assets
Perolehan aset tetap dan aset Acquisition of fixed assets and
dalam pembangunan (28.966) 34 (30.620) construction in progress
Kas Bersih Digunakan untuk Net Cash Used in
Aktivitas Investasi (3 3. 0 29 ) (44.102) Investing Activities
Catatan atas Laporan Keuangan merupakan bagian yang Notes to the Financial Statements are an
tidak terpisahkan dari Laporan Keuangan secara keseluruhan. integral part of the Financial Statements taken as a whole.
7
Page 515
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
Catatan/
2025 Notes 2 0 24
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Penerimaan pinjaman 2.077.400 34 4.567.175 Receipt from borrowings
Penerimaan dari right issue - 8.118 Receipt from right issue
Pembayaran beban emisi saham - (2.891) Payment of shares issuance costs
Pembayaran liabilitas sewa (47.479) 17 (29.260) Payment for lease liabilities
Pembayaran pinjaman (1.835.400) 34 (4.337.095) Payment of borrowings
Kas Bersih Diperoleh dari Net Cash Provided by
Aktivitas Pendanaan 194.521 206.047 Financing Activities
PENURUNAN BERSIH NET DECREASE IN
KAS DAN SETARA KAS (85.082) (563.219) CASH AND CASH EQUIVALENTS
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
AWAL TAHUN 2.259.271 2.822.490 AT BEGINNING OF THE YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
AKHIR TAHUN 2.174.189 2.259.271 AT END OF THE YEAR
Kas dan setara kas Cash and cash equivalents
terdiri dari: consists of:
Kas 78.674 4 70.283 Cash
Giro pada Current accounts with
Bank Indonesia 1.217.510 5 1.057.942 Bank Indonesia
Giro pada Current accounts with
bank lain 393.005 6 475.361 other banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain Indonesia and other
jangka waktu jatuh tempo banks maturing within
tiga bulan atau kurang sejak three months or less from
tanggal perolehan 485.000 7 655.685 acquisition date
JUMLAH 2.174.189 2.259.271 TOTAL
Catatan atas Laporan Keuangan merupakan bagian yang Notes to the Financial Statements are an
tidak terpisahkan dari Laporan Keuangan secara keseluruhan. integral part of the Financial Statements taken as a whole.
8
Page 516
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
1. UMUM 1. GENERAL
a. Pendirian Perusahaan dan Informasi Umum a. Establishment of the Company and General Information
PT Bank IBK Indonesia Tbk (“Bank”) didirikan PT Bank IBK Indonesia Tbk (the “Bank”) was
berdasarkan Akta Pendirian No. 85 pada tanggal established based on Establishment Deed No. 85 on
13 November 1973. Akta Pendirian telah disahkan oleh November 13, 1973. The Deed of Establishment was
Menteri Kehakiman Republik Indonesia berdasarkan approved by the Minister of Justice of the Republic of
Surat Pengesahan No. Y.A 5/117/22 tanggal Indonesia based on Approval Letter No. Y.A 5/117/22
4 April 1974 dan diumumkan dalam Berita Negara dated April 4, 1974 and published in Supplement
Republik Indonesia No. 41, Tambahan No. 201 No. 201 of the State Gazette of the Republic of
tanggal 21 Mei 1974. Bank memperoleh izin untuk Indonesia No. 41 dated May 21, 1974. The Bank had
beroperasi sebagai bank umum dari Menteri obtained the license to operate as a commercial bank
Keuangan Republik Indonesia dengan Surat from the Minister of Finance of the Republic of
Keputusan No. 442/KMK.017/1993 tanggal 9 Maret Indonesia in Decision Letter No. 442/KMK.017/1993
1993. dated March 9, 1993.
Berdasarkan Akta Notaris No. 146 tanggal 18 Juli Based on Notarial Deed No. 146 dated July 18, 2008,
2008, Bank mengubah nama dari PT Bank Finconesia the Bank changed its name from PT Bank Finconesia
menjadi PT Bank Agris Tbk. Akta tersebut telah disetujui to PT Bank Agris Tbk. The deed was approved by
oleh Menteri Hukum dan Hak Asasi Manusia Republik the Minister of Law and Human Rights of the Republic
Indonesia berdasarkan Surat Keputusan No. AHU- of Indonesia based on Decision Letter No. AHU-
45703.AH.01.02.Tahun 2008 tanggal 29 Juli 2008. 45703.AH.01.02.Tahun 2008 dated July 29, 2008.
Perubahan nama tersebut telah disetujui oleh The change in the Bank’s name had been approved
Bank Indonesia melalui Surat Keputusan Gubernur by Bank Indonesia through Decision Letter of the
Bank Indonesia No. 10/61/KEP.GBI/2008 tanggal Governor of Bank Indonesia No. 10/61/KEP.GBI/2008
5 September 2008. dated September 5, 2008.
Pada tanggal 5 September 2019, Bank melakukan On September 5, 2019, the Bank merged with
penggabungan usaha (merger) dengan PT Bank PT Bank Mitraniaga Tbk in Jakarta. The merger
Mitraniaga Tbk yang berkedudukan di Jakarta. decision is stated in Notarial Deed No. 249 dated
Keputusan merger ini dituangkan dalam Akta Notaris August 22, 2019 of Notary Christina Dwi Utami, S.H.,
No. 249 tanggal 22 Agustus 2019 yang dibuat di M.Hum., M.Kn., in Jakarta. After merger, the
hadapan Notaris Christina Dwi Utami, S.H., M.Hum., Bank changed its name to become PT Bank IBK
M.Kn., di Jakarta. Setelah merger, Bank kemudian Indonesia Tbk.
berubah nama menjadi PT Bank IBK Indonesia Tbk.
Anggaran Dasar Bank telah mengalami beberapa The Bank’s Articles of Association have been amended
kali perubahan, terakhir dengan Akta Notaris No. 145 several times, most recently with Notarial Deed
tanggal 16 Agustus 2024 dari Christina Dwi Utami, S.H., No. 145 dated August 16, 2024 from Christina Dwi
M.Hum., M.Kn., Notaris di Jakarta mengenai Utami, S.H., M.Hum., M.Kn., Notary in Jakarta,
peningkatan modal ditempatkan dan disetor. Akta regarding the increase in the Bank’s issued and fully
perubahan ini telah diterima dan dicatat di dalam paid capital. This amendment has been received and
Sistem Administrasi Badan Hukum Kementerian registered in the Legal Entity Administration System
Hukum dan Hak Asasi Manusia Republik Indonesia of the Ministry of Law and Human Rights of the
dengan Surat Penerimaan Pemberitahuan Republic of Indonesia in Notification Acceptance Letter
No. AHU-AH.01.03-0183409 tanggal 16 Agustus 2024. No. AHU-AH.01.03-0183409 dated August 16, 2024.
Berdasarkan Pasal 3 Anggaran Dasar Bank, ruang Based on Article 3 of the Bank’s Articles of Association,
lingkup kegiatan Bank bergerak dalam bidang the scope of the Bank’s activities is in the finance
keuangan dan pembiayaan sesuai dengan peraturan sector and other financing business in accordance with
perundang-undangan yang berlaku di Negara Republik the prevailing laws and regulations in the Republic of
Indonesia. Indonesia.
Sejak akhir Januari 2019, entitas induk Bank adalah Since the end of January 2019, the Bank’s parent entity
Industrial Bank of Korea yang juga merupakan is the Industrial Bank of Korea, which is also the
pemegang saham mayoritas dan pemegang saham majority shareholder, and the Ministry of Economy
akhir adalah Kementerian Ekonomi dan Keuangan and Finance of the Republic of Korea is the ultimate
Republik Korea. shareholder.
9
Page 517
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
1. UMUM (Lanjutan) 1. GENERAL (Continued)
a. Pendirian Perusahaan dan Informasi Umum (Lanjutan) a. Establishment of the Company and General Information
(Continued)
Kantor pusat Bank berlokasi di Wisma GKBI, Suite The Bank’s head office is located at Wisma GKBI, Suite
UG-01, Jl. Jenderal Sudirman No. 28 Jakarta Pusat UG-01, Jl. Jenderal Sudirman No. 28 Central Jakarta
dengan jaringan distribusi pada tanggal 31 Desember with distribution network as of December 31, 2025 and
2025 dan 2024 sebagai berikut: 2024 as follows:
2025 2024
Kantor Cabang Utama 1 1 Main Branch Office
Kantor Cabang 11 11 Branches Office
Kantor Cabang Pembantu 17 19 Sub-Branches Office
b. Penawaran Umum Saham Bank b. Public Offering of the Bank’s Shares
Pada tanggal 11 Desember 2014, Bank memperoleh As of December 11, 2014, the Bank obtained the
Surat Pernyataan Efektif dari Dewan Komisioner notice of Effective Letter from the Board of
Otoritas Jasa Keuangan (OJK) dengan suratnya Commissioners of Financial Services Authority (OJK)
No. S-530/D.04/2014 untuk melakukan penawaran through its letter No. S-530/D.04/2014 for its initial
umum saham perdana sejumlah 900.000.000 lembar public offering of 900,000,000 common shares
saham biasa atas nama dengan nilai nominal Rp100 to the public with a par value of Rp100 (full amount) per
(nilai penuh) setiap lembar saham yang ditawarkan share at an offering price of Rp110 (full amount) per
kepada masyarakat dengan harga penawaran Rp110 share. Included in the number of initial public shares
(nilai penuh) setiap saham. Termasuk di dalam jumlah offered to the public are shares that have been
saham umum perdana kepada masyarakat adalah allocated in connection with Employee Stock Allocation
saham yang telah dialokasikan sehubungan dengan Program (ESA) of 550,000 shares based on the
Program Alokasi Saham Karyawan (Employee Stock Director Decision Letter No. 002/DIR/IX/14. These
Allocation atau “ESA”) sejumlah 550.000 lembar shares were listed on the Indonesian Stock Exchange
saham berdasarkan Surat Keputusan Direksi on December 22, 2014.
No. 002/DIR/IX/14. Pada tanggal 22 Desember 2014,
seluruh saham tersebut telah dicatat di Bursa Efek
Indonesia.
Pada tanggal 4 Desember 2015, Bank memperoleh As of December 4, 2015, the Bank obtained an
surat pernyataan efektif dari Otoritas Jasa Keuangan effective notification from Financial Services Authority
(OJK) No. S-580/D.04/2015 untuk melakukan (OJK) No. S-580/D.04/2015 to conduct the Limited
Penawaran Umum Terbatas I dalam rangka penerbitan Public Offering I on the issuance of preemptive right,
Hak Memesan Efek Terlebih Dahulu (HMETD), up to 1,270,655,670 shares with par value of Rp100
sebanyak-banyaknya 1.270.655.670 lembar saham per share (full amount) start from December 23, 2015
dengan nilai nominal sebesar Rp100 per saham (nilai until January 6, 2016 at the offering price of Rp100
penuh) mulai dari tanggal 23 Desember 2015 sampai per share (full amount).
dengan 6 Januari 2016 dengan harga penawaran
sebesar Rp100 per saham (nilai penuh).
Berdasarkan pengumuman PT Bursa Efek Indonesia Based on the Indonesia Stock Exchange
No. Peng-P00009/BEI.PP3/01-2016 tanggal 8 Januari announcement No. Peng-P00009/BEI.PP3/01-2016
2016 perihal Pencatatan Saham PT Bank Agris Tbk, dated January 8, 2016 regarding the Registration of
jumlah seluruh saham yang telah dikeluarkan oleh Shares of PT Bank Agris Tbk, total shares issued
Bank untuk pelaksanaan Penawaran Umum sebanyak by the Bank for the Limited Public Offering of
1.020.657.744 lembar saham dengan nilai nominal 1,020,657,744 shares with a total nominal value of
seluruhnya Rp102.065.774.400 (nilai penuh) per Rp102,065,774,400 (full amount) as of January 8,
tanggal 8 Januari 2016. Jumlah seluruh saham yang 2016. Total shares listed on the Indonesia Stock
tercatat pada PT Bursa Efek Indonesia seluruhnya Exchange amounted to 5,203,614,878 shares with
sejumlah 5.203.614.878 lembar saham dengan nilai a total nominal value of Rp520,361,487,800
nominal seluruhnya Rp520.361.487.800 menjadi was increased into 5,256,176,644 shares with a total
sebanyak 5.256.176.644 lembar saham dengan nilai nominal value of Rp525,617,664,400 (full amount)
nominal seluruhnya sebesar Rp525.617.664.400 as of January 8, 2016.
(nilai penuh) pada tanggal 8 Januari 2016.
10
Page 518
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
1. UMUM (Lanjutan) 1. GENERAL (Continued)
b. Penawaran Umum Saham Bank (Lanjutan) b. Public Offering of the Bank’s Shares (Continued)
Dalam rangka implementasi Peraturan Pemerintah In order to implement the Government Regulation
(PP) No. 29 Tahun 1999 tentang pembelian saham (PP) No. 29 of 1999 on the purchase of shares of
bank umum yang antara lain menerapkan bahwa commercial banks that are applying that bank
saham bank hanya boleh tercatat di Bursa Efek shares may only be listed as much as 99%, then
sebanyak-banyaknya 99%, maka dari hasil the results of the Limited Public Offering PT Bank Agris
pelaksanaan Penawaran Umum Terbatas PT Bank Agris Tbk, there is an increase in the number of shares
Tbk, terdapat penambahan jumlah saham yang tidak unlisted at 10,206,577 shares (full amount) on behalf
dicatatkan sebanyak 10.206.577 lembar saham of PT Dian Intan Perkasa, bringing the total unlisted
(nilai penuh) atas nama PT Dian Intan Perkasa, at 52,561,766 shares (full amount). With the
sehingga total saham yang tidak dicatatkan adalah implementation of the report results, total shares
52.561.766 lembar saham (nilai penuh). Dengan of PT Bank Agris Tbk listed on the Indonesia Stock
adanya laporan hasil pelaksanaan tersebut, maka Exchange are 5,203,614,878 shares (full amount).
saham PT Bank Agris Tbk yang tercatat di Bursa
Efek Indonesia seluruhnya berjumlah 5.203.614.878
lembar saham (nilai penuh).
Berdasarkan surat pemberitahuan efektif dari OJK Based on the effective notification letter from OJK
No. S-109/D.04/2020 tanggal 31 Maret 2020, Bank No. S-109/D.04/2020 dated March 31, 2020, the
melakukan Penawaran Umum Terbatas II dengan hak Bank undertook a Limited Public Offering II with
memesan terlebih dahulu sejumlah 4.117.657.394 preemptive rights with a total of 4,117,657,394
saham biasa baru dengan nilai nominal per saham new ordinary shares at par value per share of Rp100
Rp100 (nilai penuh) per saham dengan harga (full amount) per share with an offering price of Rp170
penawaran Rp170 (nilai penuh) per saham. (full amount) per share.
Berdasarkan pengumuman PT Bursa Efek Indonesia Based on the Indonesia Stock Exchange
No. Peng-P-00114/BEI.PP3/04-2020 tanggal 24 April announcement No. Peng-P-00114/BEI.PP3/04-2020
2020 perihal Pencatatan Saham PT Bank IBK dated April 24, 2020 regarding the registration of
Indonesia Tbk, jumlah seluruh saham yang telah shares of PT Bank IBK Indonesia Tbk, total shares
dikeluarkan oleh Bank dalam rangka pelaksanaan issued by the Bank in order to implement the Limited
Penawaran Umum Terbatas II adalah sebanyak Public Offering II is 4,117,657,394 shares with
4.117.657.394 lembar saham dengan nilai nominal nominal value of Rp411,765,739,400 (full amount)
seluruhnya sebesar Rp411.765.739.400 (nilai penuh) into 11,226,007,038 shares with a total nominal value
menjadi 11.226.007.038 lembar saham dengan of Rp1,122,600,703,800 (full amount) as of April 24,
nilai nominal seluruhnya Rp1.122.600.703.800 (nilai 2020.
penuh) per tanggal 24 April 2020.
Berdasarkan surat pemberitahuan efektif dari OJK Based on the effective notification from OJK
No. S-75/D.04/2021 tanggal 31 Mei 2021, Bank No. S-75/D.04/2021 dated May 31, 2021, the Bank
melakukan Penawaran Umum Terbatas III dengan hak undertook a Limited Public Offering (Rights Issue III)
memesan terlebih dahulu sejumlah 6.440.485.010 issuing 6,440,485,010 new ordinary shares at par
saham biasa baru dengan nilai nominal per saham value per share of Rp100 (full amount) per share and
Rp100 (nilai penuh) per saham dengan harga at an offering price of Rp170 (full amount) per share.
penawaran Rp170 (nilai penuh) per saham.
Berdasarkan pengumuman PT Bursa Efek Indonesia Based on the Indonesia Stock Exchange
No. Peng-P00186/BEI.PP3/07-2021 tanggal 5 Juli announcement No. Peng-P00186/BEI.PP3/07-2021
2021 perihal Pencatatan Saham PT Bank IBK dated July 5, 2021 regarding the registration of
Indonesia Tbk, jumlah seluruh saham yang telah shares of PT Bank IBK Indonesia Tbk, total shares
dikeluarkan oleh Bank dalam rangka pelaksanaan issued by the Bank in order to implement the Limited
Penawaran Umum Terbatas III adalah sebanyak Public Offering III is 6,440,485,010 shares with
6.440.485.010 lembar saham dengan nilai nominal nominal value of Rp644,048,501,000 (full amount)
seluruhnya sebesar Rp644.048.501.000 (nilai penuh) into 17,666,492,048 shares with a total nominal
menjadi 17.666.492.048 lembar saham dengan value of Rp1,766,649,204,800 (full amount) as of
nilai nominal seluruhnya Rp1.766.649.204.800 (nilai July 5, 2021.
penuh) per tanggal 5 Juli 2021.
11
Page 519
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
1. UMUM (Lanjutan) 1. GENERAL (Continued)
b. Penawaran Umum Saham Bank (Lanjutan) b. Public Offering of the Bank’s Shares (Continued)
Berdasarkan surat pemberitahuan efektif dari OJK Based on the effective notification from OJK
No. S-157/D.04/2022 tanggal 29 Juli 2022, Bank No. S-157/D.04/2022 dated July 29, 2022, the Bank
melakukan Penawaran Umum Terbatas IV dengan hak undertook a Limited Public Offering (Rights Issue IV)
memesan terlebih dahulu sejumlah 9.983.043.663 issuing 9,983,043,663 new ordinary shares at par
saham biasa baru dengan nilai nominal per saham value per share of Rp100 (full amount) per share with
Rp100 (nilai penuh) per saham dengan harga an offering price of Rp110 (full amount) per share.
penawaran Rp110 (nilai penuh) per saham.
Berdasarkan pengumuman PT Bursa Efek Based on the Indonesia Stock Exchange
Indonesia No. S-06551/BEI.PP3/08-2022 tanggal announcement No. S-06551/BEI.PP3/08-2022 dated
5 Agustus 2022 perihal Pencatatan Saham PT Bank August 5, 2022 regarding the registration of shares
IBK Indonesia Tbk, jumlah seluruh saham yang telah of PT Bank IBK Indonesia Tbk, total shares issued
dikeluarkan oleh Bank dalam rangka pelaksanaan by the Bank in order to implement the Limited
Penawaran Umum Terbatas IV adalah sebanyak Public Offering IV is 9,983,043,663 shares with
9.983.043.663 lembar saham dengan nilai nominal nominal value of Rp998,304,366,300 (full amount)
seluruhnya sebesar Rp998.304.366.300 (nilai penuh) into 27,649,535,711 shares with a total nominal
menjadi 27.649.535.711 lembar saham dengan nilai value of Rp2,764,953,571,100 (full amount) as of
nominal seluruhnya Rp2.764.953.571.100 (nilai August 5, 2022.
penuh) per tanggal 5 Agustus 2022.
Berdasarkan surat pemberitahuan efektif dari OJK Based on the effective notification letter from OJK
No. S-158/D.04/2023 tanggal 27 Juni 2023, Bank No. S-158/D.04/2023 dated June 27, 2023, the Bank
melakukan Penawaran Umum Terbatas V dengan hak undertook a Limited Public Offering V with preemptive
memesan terlebih dahulu sejumlah 10.133.668.354 rights of 10,133,668,354 new ordinary shares at par
saham biasa baru dengan nilai nominal per saham value per share of Rp100 (full amount) per share with
Rp100 (nilai penuh) per saham dengan harga an offering price of Rp100 (full amount) per share.
penawaran Rp100 (nilai penuh) per saham.
Berdasarkan pengumuman PT Bursa Efek Indonesia Based on the Indonesia Stock Exchange
No. Peng-RI-00046/BEI.PP3/08-2023 tanggal announcement No. Peng-RI-00046/BEI.PP3/08-2023
3 Agustus 2023 perihal Pencatatan Saham dated August 3, 2023 regarding the registration of
PT Bank IBK Indonesia Tbk, jumlah seluruh saham shares of PT Bank IBK Indonesia Tbk, total shares
yang telah dikeluarkan oleh Bank dalam rangka issued by the Bank in order to implement the Limited
pelaksanaan Penawaran Umum Terbatas V adalah Public Offering V is 10,133,668,354 shares with
sebanyak 10.133.668.354 lembar saham dengan nilai nominal value of Rp1,013,366,835,400 (full amount)
nominal seluruhnya sebesar Rp1.013.366.835.400 into 37,783,204,065 shares with a total nominal
(nilai penuh) menjadi 37.783.204.065 lembar value of Rp3,778,320,406,500 (full amount) as of
saham dengan nilai nominal seluruhnya August 3, 2023.
Rp3.778.320.406.500 (nilai penuh) per tanggal
3 Agustus 2023.
Berdasarkan surat pemberitahuan efektif dari OJK Based on the effective notification letter from OJK
No. S-90/D.04/2024 tanggal 28 Juni 2024, Bank No. S-90/D.04/2024 dated June 28, 2024, the Bank
melakukan Penawaran Umum Terbatas VI dengan hak conducted a Limited Public Offering VI with pre-emptive
memesan terlebih dahulu sejumlah 10.081.180.809 rights of 10,081,180,809 new ordinary shares with a
saham biasa baru dengan nilai nominal per saham nominal value of Rp100 (full amount) per share at an
Rp100 (nilai penuh) per saham dengan harga offering price of Rp100 (full amount) per share.
penawaran Rp100 (nilai penuh) per saham.
Berdasarkan pengumuman PT Bursa Efek Indonesia Based on the Indonesia Stock Exchange
No. Peng-P-01123/BEI.PP3/08-2024 tanggal announcement No. Peng-P-01123/BEI.PP3/08-2024
7 Agustus 2024 perihal Pencatatan Saham dated August 7, 2024 regarding the registration of
PT Bank IBK Indonesia Tbk, jumlah seluruh saham shares of PT Bank IBK Indonesia Tbk, total shares
yang telah dikeluarkan oleh Bank dalam rangka issued by the Bank in order to implement the Limited
pelaksanaan Penawaran Umum Terbatas VI adalah Public Offering VI is 10,081,180,809 shares with
sebanyak 10.081.180.809 lembar saham dengan nilai nominal value of Rp1,008,118,080,900 (full amount)
nominal seluruhnya sebesar Rp1.008.118.080.900 into 47,864,384,874 shares with a total nominal
(nilai penuh) menjadi 47.864.384.874 lembar value of Rp4,786,438,497,400 (full amount) as of
saham dengan nilai nominal seluruhnya August 7, 2024.
Rp4.786.438.497.400 (nilai penuh) per tanggal
7 Agustus 2024.
12
Page 520
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
1. UMUM (Lanjutan) 1. GENERAL (Continued)
c. Dewan Komisaris, Dewan Direksi, Komite Audit, Komite c. Board of Commissioners, Board of Directors, Audit
Pemantau Risiko, Komite Remunerasi dan Nominasi, Committee, Risk Monitoring Committee, Remuneration
Divisi Audit Internal, Karyawan Kunci dan Corporate and Nomination Committee, Internal Audit Division,
Secretary Key Employees and Corporate Secretary
Anggota Dewan Komisaris, Dewan Direksi, Komite The Board of Commissioners, Board of Directors, Audit
Audit, Komite Pemantau Risiko, Komite Remunerasi Committee, Risk Monitoring Committee, Remuneration
dan Nominasi pada tanggal 31 Desember 2025 dan and Nomination Committee as of December 31, 2025
2024 adalah sebagai berikut: and 2024 are as follows:
2025 2024
Dewan Komisaris: Board of Commissioners:
Komisaris Utama Independent President
Independen Taufik Hakim*) Taufik Hakim*) Commissioner
Komisaris Ko Dae Jin*) Ko Dae Jin*) Commissioner
Komisaris Independen Damal Bayu Utama*) Damal Bayu Utama*) Independent Commissioner
Komisaris Independen Joni Swastanto*) Joni Swastanto*) Independent Commissioner
Dewan Direksi: Board of Directors:
Direktur Utama Oh In Taek Oh In Taek President Director
Direktur Park Jin Je Lee Dae Sung Director
Direktur Andreas Mikhael Maria Cortilia Vera Director
Sumual Afianti
Direktur Edwin Rudianto Edwin Rudianto Director
Direktur Kepatuhan Alexander Frans Rori Alexander Frans Rori Compliance Director
Komite Audit: Audit Committee:
Ketua Damal Bayu Utama*) Damal Bayu Utama*) Chairman
Anggota Gaguk Hartadi*) Gaguk Hartadi*) Member
Anggota Dharmansyah Dharmansyah Member
Djalins*) Djalins*)
Anggota Joni Swastanto*) Joni Swastanto*) Member
Komite Pemantau Risiko: Risk Monitoring Committee:
Ketua Taufik Hakim*) Taufik Hakim*) Chairman
Anggota Ko Dae Jin*) Ko Dae Jin*) Member
Anggota Gaguk Hartadi*) Gaguk Hartadi*) Member
Anggota Dharmansyah Dharmansyah Member
Djalins*) Djalins*)
Anggota Joni Swastanto*) Joni Swastanto*) Member
Komite Remunerasi dan Remuneration and Nomination
Nominasi: Committee:
Ketua Taufik Hakim*) Taufik Hakim*) Chairman
Anggota Ko Dae Jin*) Ko Dae Jin*) Member
Anggota Ruth Damayanti Andreas Mikhael Member
Sianturi Sumual
*) Merangkap jabatan Concurrent position*)
Berdasarkan Akta Notaris No. 2 tanggal 15 September Based on Notarial Deed No. 2 dated September 15,
2025, bahwa Bapak Andreas Mikhael Sumual 2025, that Mr. Andreas Mikhael Sumual as a candidate
selaku calon Direktur Bank menjadi Direktur Bank for Director of the Bank becomes Director of the Bank,
sebagaimana dinyatakan dalam keputusan Anggota as stated in the decision of the Member of the Board of
Dewan Komisioner OJK No. KEPR-141/D.03/2025 Commissioners of the OJK No. KEPR-141/D.03/2025
tanggal 10 September 2025 tentang Hasil Penilaian dated September 10, 2025 concerning the Results of
Kemampuan dan Kepatutan Sdr. Andreas Mikhael the Fit and Proper Assessment of Mr. Andreas Mikhael
Sumual sebagai Direktur Operasional PT Bank IBK Sumual as Operational Director of PT Bank IBK
Indonesia Tbk. Indonesia Tbk.
13
Page 521
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
1. UMUM (Lanjutan) 1. GENERAL (Continued)
c. Dewan Komisaris, Direksi, Komite Audit, Komite c. Board of Commissioners, Directors, Audit Committee,
Pemantau Risiko, Komite Remunerasi dan Nominasi, Risk Monitoring Committee, Remuneration and
Divisi Audit Internal, Karyawan Kunci dan Corporate Nomination Committee, Internal Audit Division, Key
Secretary (Lanjutan) Employees and Corporate Secretary (Continued)
Berdasarkan Akta Notaris No. 264 tanggal 20 Juni Based on Notarial Deed No. 264 dated June 20, 2025,
2025, bahwa menyetujui pengunduran diri Bapak Lee that approved the resignation of Mr. Lee Dae Sung as
Dae Sung sebagai Direktur Bank, mengangkat kembali Director of the Bank, reappointed Taufik Hakim as
Taufik Hakim selaku Komisaris Utama (Independen), President Commissioner (Independent), Damal Bayu
Damal Bayu Utama selaku komisaris Independen, Utama as Independent Commissioner, Joni Swastanto
Joni Swastanto selaku Komisaris Independen, dan as Independent Commissioner, and Alexander Frans
Alexander Frans Rori selaku Direktur Kepatuhan, Rori as Compliance Director, appointed Park Jin Je as
mengangkat Park Jin Je selaku Direktur Bank yang Director of the Bank who has received approval from
telah mendapatkan persetujuan dari OJK nomor KEPR- the OJK number KEPR-42/D.03/2025 dated May 26,
42/D.03/2025 tanggal 26 Mei 2025, efektif sejak 2025, effective since the closing of the annual General
ditutupnya Rapat Umum Pemegang Saham tahunan Meeting of Shareholders (AGMS), appointed Andreas
(RUPST), mengangkat Andreas Mikhael Sumual Mikhael Sumual as Director of the Bank, Effective
sebagai Direktur Bank, Efektif setelah mendapatkan after obtaining approval from the OJK for the Fit and
persetujuan dari OJK atas Penilaian kemampuan dan Proper Test from the Financial Services Authority,
kepatutan (Fit and Proper Test) dari Otoritas Jasa the composition of the Board of Directors and
keuangan maka susunan Direksi dan Komisaris adalah Commissioners is as follows Oh In Taek as President
sebagai berikut Oh In Taek selaku Direktur Utama, Director, Park Jin Je as Director, Eddwin Rudianto
Park Jin Je selaku Direktur, Eddwin Rudianto Direktur, Director, Andreas Mikhael Sumual Director, and
Andreas Mikhael Sumual Direktur dan Alexander Frans Alexander Frans Rori (Compliance Director) and The
Rori (Direktur Kepatuhan) dan Susunan Dewan composition of the Board of Commissioners is Taufik
Komisaris yaitu Taufik Hakim selaku Komisaris Hakim as Independent President Commissioner, Ko
Utama Independen, Ko Dae Jin selaku Komisaris, Dae Jin as Commissioner, Damal Bayu Utama as
Damal Bayu Utama selaku Komisaris Independen dan Independent Commissioner and Joni Swastanto as
Joni Swastanto Selaku Komisaris Independen. Akta Independent Commissioner. This deed of amendment
perubahan ini telah diterima dan dicatat di dalam has been received and recorded in the Legal Entity
Sistem Administrasi Badan Hukum Kementerian Administration System of the Ministry of Law and
Hukum dan Hak Asasi Manusia Republik Indonesia Human Rights of the Republic of Indonesia with
dengan Surat Penerimaan Pemberitahuan No. AHU-AH. Notification Receipt Letter No. AHU-AH.01.09-
01.09-0301990 tanggal 23 Juni 2025. 0301990 dated June 23, 2025.
Pada tanggal 13 Desember 2023, OJK menyetujui On December 13, 2023, OJK approved the
pengangkatan Oh In Taek sebagai Direktur Utama appointment of Oh In Taek as President Director based
berdasarkan Surat Keputusan No. KEPR-161/D.03/ on Decision Letter No. KEPR-161/D.03/2023.
2023.
Pada tanggal 9 Februari 2023, OJK menyetujui On February 9, 2023, OJK approved the appointment
pengangkatan Edwin Rudianto sebagai Direktur of Edwin Rudianto as Director based on Decision
berdasarkan Surat Keputusan No. KEP-18/D.03/ Letter No. KEP-18/D.03/2023.
2023.
Pada tanggal 14 Agustus 2019, OJK menyetujui On August 14, 2019, OJK approved the appointment
pengangkatan Alexander Frans Rori sebagai of Alexander Frans Rori as Director based on Decision
Direktur berdasarkan Surat Keputusan No. KEP-148/ Letter No. KEP-148/D.03/2019.
D.03/2019.
Pembentukan Komite Audit Bank telah sesuai The establishment of the Bank’s Audit Committee
dengan Peraturan Otoritas Jasa Keuangan (POJK) is in compliance with the Financial Services Authority
No. 55/POJK.04/2015 tentang Pembentukan dan (POJK) No. 55/POJK.04/2015 on Establishment and
Pedoman Pelaksanaan Kerja Komite Audit dan Implementation Guidelines for Audit Committee Work
POJK No. 55/POJK.03/2016 tentang penerapan Tata and Financial Services Authority Regulation and POJK
Kelola bagi Bank Umum. No. 55/POJK.03/2016 on Good Corporate Governance
for Commercial Bank.
Berdasarkan Surat Keputusan Dewan Direksi Based on Board of Directors Decision Letter
No. SKEP.004/DIR/XII/24 tentang Perubahan No. SKEP.004/DIR/XII/24 regarding Changes in the
Susunan Anggota Komite Audit tanggal 30 Desember Audit Committee Membership dated December 30,
2024, susunan Komite Audit telah disetujui. Dengan 2024, the composition of the Risk Monitor Committee
diberlakukannya Surat Keputusan ini, maka Surat has been agreed. With the enforcement of this Decision
Keputusan yang berlaku sebelumnya dicabut dan Letter, the previously valid Decision Letter is revoked
dinyatakan tidak berlaku. and declared invalid.
14
Page 522
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
1. UMUM (Lanjutan) 1. GENERAL (Continued)
c. Dewan Komisaris, Direksi, Komite Audit, Komite c. Board of Commissioners, Directors, Audit Committee,
Pemantau Risiko, Komite Remunerasi dan Nominasi, Risk Monitoring Committee, Remuneration and
Divisi Audit Internal, Karyawan Kunci dan Corporate Nomination Committee, Internal Audit Division, Key
Secretary (Lanjutan) Employees and Corporate Secretary (Continued)
Berdasarkan Surat Keputusan Dewan Direksi Based on Board of Directors Decision Letter
No. SKEP.005/DIR/XII/24 tentang Perubahan No. SKEP.005/DIR/XII/24 regarding Changes in the
Susunan Anggota Komite Pemantau Risiko, tanggal Risk Monitoring Committee Membership dated
30 Desember 2024, susunan Pemantau Risiko telah December 30, 2024, the composition of the Risk
disetujui. Dengan diberlakukannya Surat Keputusan Monitor Committee has been agreed. With the
ini, maka Surat Keputusan yang berlaku sebelumnya enforcement of this Decision Letter, the previously valid
dicabut dan dinyatakan tidak berlaku. Decision Letter is revoked and declared invalid.
Berdasarkan Surat Keputusan Dewan Direksi No. Based on the Decree of the Board of Directors No.
SKEP.002/DIR/IV/25 tentang Perubahan Susunan SKEP.002/DIR/IV/25 concerning Changes in the
Anggota Komite Remunerasi dan Nominasi, tanggal Composition of the Remuneration and Nomination
22 April 2025, susunan Anggota Komite Remunerasi Committee Members, dated April 22, 2025, the
dan Nominasi. Dengan diberlakukannya Surat composition of the Remuneration and Nomination
Keputusan ini, maka Surat Keputusan yang berlaku Committee Members. With the enactment of this
sebelumnya dicabut dan dinyatakan tidak berlaku. Decree, the previously applicable Decree is revoked
and declared invalid.
Kepala Divisi Audit Internal Bank masing-masing pada The Bank’s Internal Audit Division Head as of
tanggal 31 Desember 2025 dan 2024 adalah Astrina. December 31, 2025 and 2024 is Astrina, respectively.
Corporate Secretary Bank masing-masing pada tanggal The Bank’s Corporate Secretary as of December 31,
31 Desember 2025 dan 2024 adalah Sri Suhartin. 2025 and 2024 is Sri Suhartin, respectively.
Jumlah remunerasi yang dibayarkan kepada Direksi Total remuneration paid to Board of Directors
pada tanggal 31 Desember 2025 dan 2024 masing- as of December 31, 2025 and 2024 amounting
masing sebesar Rp16.683.414.103 (nilai penuh) dan to Rp16,683,414,103 (full amount) and
Rp17.913.144.489 (nilai penuh). Rp17,913,144,489 (full amount), respectively.
Jumlah remunerasi yang dibayarkan kepada Dewan Total remuneration paid to Board of Commissioners
Komisaris pada tanggal 31 Desember 2025 dan 2024 as of December 31, 2025 and 2024 amounting to
masing-masing sebesar Rp3.274.840.732 (nilai Rp3,274,840,732 (full amount) and Rp3,208,527,834
penuh) dan Rp3.208.527.834 (nilai penuh). (full amount), respectively.
Personel manajemen kunci mencakup anggota Dewan Key management personnel consist of members of
Komisaris dan Direksi, serta pejabat eksekutif yaitu the Boards of Commissioners and Directors, and
pejabat yang bertanggung jawab langsung kepada key executives who have direct responsibility to the
Direksi atau mempunyai pengaruh yang signifikan Board of Directors or have significant influence over
terhadap kebijakan dan/atau aktivitas operasional policies and/or operational activities of the Bank.
Bank.
Jumlah karyawan tetap Bank pada tanggal As of December 31, 2025 and 2024, the Bank has total
31 Desember 2025 dan 2024 masing-masing 536 permanent employees of 536 and 531 employees,
dan 531 karyawan (tidak diaudit). respectively (unaudited).
d. Penggabungan Usaha PT Bank Agris Tbk (AGRS) d. Merger of PT Bank Agris Tbk (AGRS) with PT Bank
dengan PT Bank Mitraniaga Tbk (NAGA) Mitraniaga Tbk (NAGA)
Pada tanggal 14 Agustus 2019, Otoritas Jasa On August 14, 2019, Financial Services Authority
Keuangan (OJK) telah memberikan izin penggabungan (OJK) has given permission for merger of NAGA into
usaha (merger) kepada NAGA ke dalam AGRS, AGRS, based on the Decision Letter of the Board of
berdasarkan Surat Keputusan Dewan Komisaris OJK Commissioners of OJK No. KEP-142/D.03/2019.
No. KEP-142/D.03/2019.
15
Page 523
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
1. UMUM (Lanjutan) 1. GENERAL (Continued)
d. Penggabungan Usaha PT Bank Agris Tbk (AGRS) d. Merger of PT Bank Agris Tbk (AGRS) with PT Bank
dengan PT Bank Mitraniaga Tbk (NAGA) (Lanjutan) Mitraniaga Tbk (NAGA) (Continued)
Berdasarkan Rapat Umum Pemegang Saham Based on the General Meeting of Shareholders
yang tercantum dalam Akta Notaris No. 249 dari included in Notarial Deed No. 249 of Notary Christina
Notaris Christina Dwi Utami, S.H., M.Hum., M.Kn., Dwi Utami, S.H., M.Hum., M.Kn., dated August 22,
tanggal 22 Agustus 2019, bahwa Bank melakukan 2019, that the Bank entered into a merger with
penggabungan usaha (merger) dengan PT Bank PT Bank Mitraniaga Tbk which was effectively carried
Mitraniaga Tbk yang secara efektif dilaksanakan pada out on September 5, 2019 and PT Bank Agris Tbk as
tanggal 5 September 2019 dan PT Bank Agris Tbk a continuing entity (a surviving company).
sebagai entitas yang tetap berlanjut (surviving
company).
Penggabungan usaha (merger) dikendalikan oleh pihak The merger is controlled by the same party both before
yang sama baik sebelum maupun sesudah kombinasi and after the combination of business and control
bisnis dan pengendalian tersebut tidak bersifat is not temporary. An entity that receives business,
sementara. Entitas yang menerima bisnis, dalam under a common control entity, recognizes the
entitas sepengendali mengakui selisih antara jumlah difference between the amount of the transferred
imbalan yang dialihkan dan jumlah tercatat dari setiap consideration and the carrying amount of each
transaksi kombinasi bisnis entitas sepengendali di business combination transaction of the common
ekuitas dan menyajikannya dalam pos tambahan control entity in equity and presents it in the
modal disetor. Pengabungan usaha (merger) additional paid-in capital. The merger is based on
menggunakan dasar nilai buku, dan tidak terdapat book value, and no consideration (cash payment) are
imbalan (kas) yang dialihkan ataupun diterima oleh transferred or received by the surviving company.
entitas yang tetap berlanjut (surviving company).
Karena transaksi di atas merupakan transaksi antara Because the above transaction is a transaction
entitas sepengendali dan tidak mengakibatkan between entities under common control and does not
perubahan substansi ekonomi kepemilikan atas aset, result in changes in the economic substance of
liabilitas, saham atau instrumen kepemilikan lainnya ownership of assets, liabilities, shares or other
yang dipertukarkan, maka transaksi ini dicatat dengan ownership instruments exchanged, this transaction
menerapkan PSAK No. 338 “Kombinasi Bisnis Entitas is recorded by applying PSAK No. 338 “Business
Sepengendali”. Combination of Entities under Common Control”.
Nilai tercatat dari aset dan liabilitas yang timbul dari Carrying value of assets and liabilities from business
kombinasi bisnis entitas sepengendali, jumlah imbalan combination of entities under common control,
yang dialihkan (nilai saham baru yang diterbitkan consideration transferred (issuance new shares by
AGRS), dan tambahan modal disetor dari kombinasi AGRS), and additional paid-in capital from business
bisnis entitas sepengendali pada tanggal efektif combination under common control as of effective
merger (5 September 2019), adalah sebagai berikut: date of merger (September 5, 2019), is as follows:
Nilai tercatat/
Carrying value
ASET ASSETS
Kas 12.247 Cash
Giro pada Bank Indonesia 269.101 Current account with Bank Indonesia
Giro pada bank lain 11.468 Current account with other banks
Kas dan setara kas 292.816 Cash and cash equivalent
Efek-efek 474.928 Securities
Pinjaman yang diberikan 714.097 Loans
Aset tetap 21.680 Fixed assets
Aset pajak tangguhan 2.404 Deferred tax assets
Aset lain-lain 884.164 Other assets
JUMLAH ASET 2.390.089 TOTAL ASSETS
16
Page 524
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
1. UMUM (Lanjutan) 1. GENERAL (Continued)
d. Penggabungan Usaha PT Bank Agris Tbk (AGRS) d. Merger of PT Bank Agris Tbk (AGRS) with PT Bank
dengan PT Bank Mitraniaga Tbk (NAGA) (Lanjutan) Mitraniaga Tbk (NAGA) (Continued)
Nilai tercatat/
Carrying value
LIABILITAS LIABILITIES
Simpanan dari nasabah 2.149.744 Deposit from customers
Utang pajak 7.610 Tax payables
Liabilitas imbalan pascakerja 702 Obligation for post-employment benefits
Liabilitas lain-lain 20.970 Other liabilities
JUMLAH LIABILITAS 2.179.026 TOTAL LIABILITIES
Aset bersih 211.063 Net assets
Disesuaikan: dengan ekuitas yang diakui Adjusted: other equity recognized
Selisih nilai wajar saham AFS 27.274 Fair value differences of AFS’ shares
Saham treasuri 1.629 Treasury stock
239.966
Jumlah imbalan yang dialihkan Consideration transferred
(saham baru yang diterbitkan AGRS) (185.217) (issuance of new shares of AGRS)
Tambahan modal disetor 54.749 Additional paid-in capital
Jumlah imbalan yang dialihkan merupakan saham The consideration transferred represents AGRS’ new
baru AGRS yang diterbitkan sebagai pembayaran shares issued as payment to NAGA shareholders, with
kepada pemegang saham NAGA, dengan rasio konversi a conversion ratio of 1:1.137 (every 1 NAGA’s share
1:1,137 (setiap 1 saham NAGA memperoleh 1,137 acquires 1.137 AGRS’ share) or 1,852,173,000 AGRS
saham AGRS) atau sebanyak 1.852.173.000 saham shares or Rp185,217 million.
AGRS atau Rp185.217 juta.
Laporan keuangan NAGA digabungkan ke dalam The NAGA’s financial statements are combined into
laporan keuangan AGRS dengan metode penyatuan AGRS’ financial statements using pooling of interest
kepemilikan, yang diterapkan seolah-olah entitas method, which is applied as if the entity has been
telah bergabung sejak periode di mana entitas yang merged since the period in which the entity is under
bergabung berada dalam sepengendali, yaitu sejak common control, which is since end of January 2019.
akhir Januari 2019. Sejak tanggal efektif merger, Bank Since the effective date of merger, the Bank has
menerapkan kebijakan akuntansi yang sama, yaitu applied the same accounting policy, which is adopting
mengadopsi kebijakan akuntansi AGRS. the AGRS’ accounting policies.
e. Otorisasi Laporan Keuangan e. Authorization of Financial Statements
Manajemen Bank bertanggung jawab atas The management of the Bank is responsible for
penyusunan dan penyajian laporan keuangan yang the preparation and presentation of these financial
telah disetujui untuk diterbitkan oleh manajemen Bank statements which were authorized for issuance
pada tanggal 26 Maret 2026. as approved by the management of Bank on
March 26, 2026.
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
Pernyataan Kepatuhan dan Dasar Pengukuran dan Statements of Compliance and Basis of Measurement and
Penyusunan Laporan Keuangan Preparation of Financial Statements
Kebijakan akuntansi material yang diterapkan dalam The material accounting policies adopted in preparing the
penyusunan laporan keuangan Bank adalah sebagai financial statements of the Bank are as follows:
berikut:
17
Page 525
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
a. Dasar Penyusunan Laporan Keuangan a. Basis for Preparation of Financial Statements
Laporan keuangan Bank disusun dan disajikan The financial statements of the Bank were prepared
sesuai dengan Standar Akuntansi Keuangan and presented in accordance with Indonesian Financial
Indonesia yaitu mencakup Pernyataan Standar Accounting Standards which comprise of the Statement
Akuntansi Keuangan (PSAK) dan Interpretasi of Financial Accounting Standards (PSAK) and
Standar Akuntansi Keuangan (ISAK) yang dikeluarkan Interpretation of Financial Accounting Standards (ISAK)
oleh Dewan Standar Akuntansi Keuangan Ikatan issued by the Financial Accounting Standards Board
Akuntan Indonesia, Peraturan Otoritas Jasa Keuangan of the Institute of Indonesia Chartered Accountants,
di bidang Perbankan dan Pasar Modal, serta Financial Services Authority Regulations in the Banking
Peraturan No. VIII.G.7 tentang “Pedoman Penyajian and Capital Market Sector, as well as Regulation No.
dan Pengungkapan Laporan Keuangan Emiten atau VIII.G.7 regarding “Guideline for Financial Statements
Perusahaan Publik”. Preparation and Presentation of Issuers or Public
Company”.
Dasar penyusunan laporan keuangan Bank, kecuali The Bank’s financial statements, except for the
untuk laporan arus kas, adalah dasar akrual. Laporan statement of cash flows, are prepared under the accrual
keuangan Bank disusun berdasarkan nilai historis, basis of accounting. The Bank’s financial statements
kecuali beberapa akun tertentu disusun berdasarkan are prepared based on historical cost except for certain
pengukuran lain sebagaimana diuraikan dalam accounts which are prepared based on other basis as
kebijakan akuntansi masing-masing akun tersebut. described in the related accounting policies.
Mata uang pelaporan yang digunakan untuk The reporting currency used in the preparation of the
penyusunan laporan keuangan adalah mata uang financial statements is the Indonesian Rupiah (Rp),
Rupiah (Rp), yang merupakan mata uang fungsional which is the functional currency of the Bank.
Bank.
Laporan arus kas disusun dengan menggunakan The statement of cash flows is prepared using the direct
metode langsung dengan mengelompokkan arus kas method with classifications of cash flows into operating,
dalam aktivitas operasi, investasi dan pendanaan. investing and financing activities. Cash and cash
Kas dan setara kas terdiri dari kas, giro pada Bank equivalents consist of cash, current account with Bank
Indonesia, giro pada bank lain dan penempatan pada Indonesia, current account with other banks and
Bank Indonesia dan bank lain yang jatuh tempo placements with Bank Indonesia and other banks with
dalam waktu tiga bulan atau kurang dari tanggal maturities of three months or less from the date of
perolehannya dan yang tidak dijaminkan serta tidak placements and not pledged nor restricted.
dibatasi penggunaannya.
Direksi memiliki, pada saat persetujuan laporan The Board of Directors has, at the time of authorization
keuangan, suatu ekspektasi yang memadai bahwa of the financial statements, a reasonable expectation
Bank memiliki sumber daya yang cukup untuk that the Bank has adequate resources to continue in
melanjutkan keberadaan operasinya untuk di masa operational existence for the foreseeable future. Thus,
yang akan datang. Oleh karena itu, mereka they continue to adopt the going concern basis of
melanjutkan penerapan dasar akuntansi accounting in preparing the financial statements.
kelangsungan usaha dalam penyusunan laporan
keuangan.
Penyusunan laporan keuangan sesuai dengan Standar The preparation of financial statements in conformity
Akuntansi Keuangan Indonesia mengharuskan with Indonesian Financial Accounting Standards
penggunaan beberapa estimasi dan asumsi requires the use of certain estimates and assumptions
dan mengharuskan manajemen untuk membuat and requires management to exercise its judgment in
pertimbangan dalam menentukan metodologi yang determining the appropriate methodology. The areas
tepat. Area yang kompleks atau memerlukan tingkat involving a higher degree of judgment or complexity,
pertimbangan yang lebih tinggi atau area di mana or areas where assumptions and estimates are
asumsi dan estimasi dapat berdampak signifikan significant to the financial statements are disclosed in
terhadap laporan keuangan diungkapkan di Catatan 3. Note 3.
b. Perubahan terhadap SAK b. Changes on SAK
Standar baru, serta amendemen dan penyesuaian New standards, as well as amendments and
terhadap SAK yang mulai berlaku untuk periode improvements towards SAK that effective for annual
pelaporan tahunan yang dimulai pada atau setelah reporting periods beginning on or after January 1, 2025,
1 Januari 2025, telah dievaluasi. Manajemen have been assessed. Management determines that
menyimpulkan bahwa tidak terdapat dampak material there are no material impact arise from such changes
dari perubahan tersebut terhadap pelaporan kinerja on the reporting of performance or financial position of
ataupun posisi keuangan Bank. the Bank.
18
Page 526
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
b. Perubahan terhadap SAK (Lanjutan) b. Changes on SAK (Continued)
Di samping itu, pada tanggal penerbitan laporan Moreover, as of the authorization date of the issuance
keuangan ini, terdapat pula beberapa SAK yang baru of these financial statements, there are also several
dan amandemen terhadap SAK lainnya yang telah new SAK, and amendments on other SAK which have
diterbitkan namun belum berlaku efektif. Standar, dan been issued but not yet effective. Those standards and
amandemen tersebut akan berlaku efektif untuk tahun amendments shall be effective for the annual reporting
buku yang dimulai pada atau setelah: period beginning on or after:
1 Januari 2026 January 1, 2026
• Amendemen PSAK No. 109 tentang “Instrumen • Amendments to PSAK No. 109 on “Financial
Keuangan” dan PSAK No. 107 tentang “Instrumen Instruments” and PSAK No. 107 on “Financial
Keuangan: Pengungkapan” tentang “Klasifikasi dan Instruments: Disclosure” on “Classification and
Pengukuran Instrumen Keuangan”; dan Measurement of Financial Instruments”; and
• PSAK No. 338 (Revisi 2025) tentang “Kombinasi • PSAK No. 338 (Revised 2025) on “Business
Bisnis Entitas Sepengendali”. Combinations of Entities Under Common Control”.
1 Januari 2027 January 1, 2027
• PSAK No. 118 tentang “Penyajian dan • PSAK No. 118 on “Presentation and Disclosure in
Pengungkapan dalam Laporan Keuangan”; Financial Statements”;
• PSAK No. 119 tentang “Entitas Anak Tanpa • PSAK No. 119 on “Subsidiaries without Public
Akuntabilitas Publik”: Pengungkapan”; dan Accountability: Disclosure”; and
• Amendemen PSAK No. 119 tentang “Entitas Anak • Amendment to PSAK No. 119 on “Subsidiaries
Tanpa Akuntabilitas Publik: Pengungkapan”. without Public Accountability: Disclosure”.
Penerapan dini untuk standar dan amendemen Early adoption of the above new standards and
terhadap SAK di atas diperkenankan. amendments to SAK are permitted.
Manajemen masih mengevaluasi penerapan Management is still evaluating the adoption of the
dari standar dan amendemen tersebut dan belum above standards and amendments and unable to
dapat menentukan dampak yang mungkin timbul determine the impact that might arise towards the
terhadap pelaporan keuangan Bank secara financial reporting of the Bank as a whole.
keseluruhan.
c. Penjabaran Mata Uang Asing c. Foreign Currency Translation
• Mata uang pelaporan dan fungsional • Reporting and functional currency
Laporan keuangan dijabarkan dalam mata uang The financial statements are presented in
Rupiah, yang merupakan mata uang fungsional Indonesian Rupiah, which is the functional currency
Bank. of the Bank.
• Transaksi dan saldo dalam mata uang asing • Transactions and balances in foreign currency
Selisih penjabaran mata uang asing atas efek utang Translation differences on debt securities and
dan aset keuangan moneter yang diukur monetary financial assets measured at fair value are
berdasarkan nilai wajar dicatat sebagai bagian dari included in foreign exchange gains or losses.
keuntungan atau kerugian selisih kurs.
Keuntungan atau kerugian selisih kurs yang timbul Exchange gains or losses arising on transactions in
dari transaksi dalam mata uang asing dan dari foreign currency and on the translation of foreign
penjabaran aset dan liabilitas moneter dalam mata currency monetary assets and liabilities are
uang asing, diakui pada laporan laba rugi dan recognized in the statement of profit or loss and
penghasilan komprehensif lain. other comprehensive income.
Berikut ini adalah kurs mata uang asing utama Below are the major foreign currencies exchange
yang digunakan untuk penjabaran ke dalam Rupiah rates used for translation into Rupiah from Reuters
yang bersumber dari Reuters pada tanggal at December 31, 2025 and 2024 (full Rupiah amount):
31 Desember 2025 dan 2024 (Rupiah penuh):
19
Page 527
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Penjabaran Mata Uang Asing (Lanjutan) c. Foreign Currency Translation (Continued)
2025 2 0 24
Dolar Amerika Serikat 16.675 16.095 United States Dollar
Euro 19.571 16.758 Euro
Dolar Singapura 12.965 11.845 Singapore Dollar
Yuan Tiongkok 2.385 2.205 Chinese Yuan
Won Korea 12 11 Korea Won
d. Kombinasi Bisnis Entitas Sepengendali d. Business Combination Under Common Control
Kombinasi bisnis entitas sepengendali dicatat The combination of entities under common control is
dengan menggunakan metode penyatuan kepemilikan accounted for using the pooling method of ownership
di mana aset dan liabilitas yang diperoleh dari in which the assets and liabilities derived from the
kombinasi bisnis dicatat oleh pengakuisisi pada jumlah business combination are recorded by the acquirer at
tercatatnya. their carrying amount.
Selisih antara jumlah imbalan yang dialihkan dan The difference between the amount of the transferred
jumlah tercatat aset bersih disajikan sebagai consideration and the carrying amount of net assets is
tambahan modal disetor dan tidak diakui ke laba presented as additional paid-in capital and is not
rugi. recognized as profit or loss.
Metode penyatuan kepemilikan diterapkan seolah-olah The pooling of interest method is applied as if the entity
entitas telah bergabung sejak periode di mana entitas has been merged since the period in which the entity is
yang bergabung berada dalam sepengendali. under common control.
e. Transaksi dengan Pihak Berelasi e. Transactions with Related Parties
Dalam kegiatan usaha normal, Bank melakukan In the normal course of its business, the Bank
transaksi dengan pihak-pihak berelasi seperti yang enters into transactions with related parties which
didefinisikan dalam PSAK No. 224 “Pengungkapan are defined under PSAK No. 224 “Related Parties
Pihak-pihak Berelasi”. Disclosures”.
a. Orang atau anggota keluarga terdekat mempunyai a. A person or a close member of the person’s family
relasi dengan Bank jika orang tersebut: is related to the Bank if that person:
(i) Memiliki pengendalian atau pengendalian (i) Has control or joint control over the Bank;
bersama atas Bank;
(ii) Memiliki pengaruh signifikan atas Bank; atau (ii) Has significant influence over Bank; or
(iii) Personel manajemen kunci Bank atau entitas (iii) Is a member of the key management
induk Bank. personnel of the Bank or of a parent of the
Bank.
b. Suatu entitas berelasi dengan Bank jika memenuhi b. An entity is related to the Bank if any of the following
salah satu hal berikut: conditions applies:
(i) Entitas dan Bank adalah anggota dari (i) The entity and the Bank are members of the
kelompok usaha yang sama (artinya entitas same group (which means that each parent,
induk, entitas anak dan sesama entitas anak subsidiary and fellow subsidiary are related to
saling berelasi dengan entitas lainnya); the others);
(ii) Satu entitas adalah entitas asosiasi atau (ii) One entity is an associate or joint venture of
ventura bersama dari entitas lain (atau the other entity (or an associate or joint
entitas asosiasi atau ventura bersama yang venture of a member of a group of which the
merupakan anggota suatu kelompok usaha, other entity is a member);
yang mana entitas lain tersebut adalah
anggotanya);
(iii) Kedua entitas tersebut adalah ventura (iii) Both entities are joint ventures of the same
bersama dari pihak ketiga yang sama; third party;
(iv) Satu entitas adalah ventura bersama dari (iv) One entity is a joint venture of a third entity
entitas ketiga dan entitas yang lain adalah and the other entity is an associate of the
entitas asosiasi dari entitas ketiga; third entity;
20
Page 528
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
e. Transaksi dengan Pihak Berelasi (Lanjutan) e. Transactions with Related Parties (Continued)
(v) Entitas tersebut adalah suatu program (v) The entity is a post-employment benefit plan
imbalan pascakerja untuk imbalan kerja for the benefit of employees of either the
dari salah satu entitas pelapor atau entitas Bank or an entity related to the reporting
yang terkait dengan Bank. Jika entitas pelapor entity. If the reporting entity is the entity that
adalah entitas yang menyelenggarakan organize the program, then sponsoring entity
program tersebut, maka entitas sponsor juga is also related to the Bank;
berelasi dengan Bank;
(vi) Entitas yang dikendalikan atau dikendalikan (vi) The entity is controlled or jointly controlled by
bersama oleh orang yang diidentifikasi dalam a person identified in (a);
huruf (a);
(vii) Orang yang diidentifikasi dalam huruf (a)(i) (vii) A person identified in (a)(i) has significant
memiliki pengaruh signifikan atas entitas influence over the entity or is a member of
atau personel manajemen kunci entitas (atau the key management personnel of the entity
entitas induk dari entitas); (or of a parent of the entity);
(viii) Entitas atau anggota dari kelompok di mana (viii) The entity, or any member of group of
entitas merupakan bagian dari kelompok which it is a part, provides key management
tersebut, menyediakan jasa personel personnel services to the reporting entity
manajemen kunci kepada entitas pelapor or to the parent of the reporting entity.
atau kepada entitas induk dari entitas
pelapor.
Transaksi ini dilakukan berdasarkan persyaratan yang The transactions are made based on terms agreed by
disetujui oleh kedua belah pihak, yang mungkin tidak the parties, which may not be the same as these of the
sama dengan transaksi lain yang dilakukan dengan transactions between unrelated parties.
pihak yang tidak berelasi.
Seluruh transaksi, saldo dan sifat hubungan yang The whole significant transactions, balances and
signifikan dengan pihak-pihak berelasi diungkapkan di nature of the relationship with related parties are
dalam Catatan atas Laporan Keuangan (Catatan 27). disclosed in the Notes to the Financial Statements
(Note 27).
f. Aset dan Liabilitas Keuangan f. Financial Assets and Liabilities
Aset keuangan Bank terutama terdiri dari kas, giro The Bank’s financial assets mainly consist of cash,
pada Bank Indonesia, giro pada bank lain, penempatan current accounts with Bank Indonesia, current
pada Bank Indonesia dan bank lain, efek-efek, kredit accounts with other banks, placements with Bank
yang diberikan, tagihan lainnya, tagihan derivatif, Indonesia and other banks, securities, loans, other
pendapatan bunga yang masih akan diterima dan receivables, derivative receivables, accrued interest
setoran jaminan. income and security deposits.
Liabilitas keuangan Bank terutama terdiri dari The Bank’s financial liabilities mainly consist of deposit
simpanan dari nasabah, simpanan dari bank lain, from customers, deposit from other banks, borrowings,
pinjaman yang diterima, kewajiban derivatif, biaya derivative liabilities, accrued interest expenses, and
bunga yang masih harus dibayar dan liabilitas sewa. lease liabilities.
i. Klasifikasi i. Classification
Bank mengklasifikasikan aset keuangannya The Bank classifies its financial assets according to
berdasarkan kategori sebagai berikut pada saat the following categories at initial recognition:
pengakuan awal:
(i) Aset keuangan yang diukur pada nilai wajar (i) Financial assets measured at fair value
melalui laba rugi; through profit or loss;
(ii) Aset keuangan yang diukur pada nilai wajar (ii) Financial assets measured at fair value
melalui penghasilan komprehensif lain; through other comprehensive income;
(iii) Aset keuangan yang diukur pada biaya (iii) Financial assets measured at amortized cost.
perolehan diamortisasi.
Bank mengklasifikasikan aset keuangannya The Bank classifies its financial assets based on
berdasarkan model bisnis Bank dalam mengelola the Bank’s business model in managing financial
aset keuangan dan karakteristik arus kas assets and contractual cash flow characteristics of
kontraktual dari aset keuangan. financial assets.
21
Page 529
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
f. Aset dan Liabilitas Keuangan (Lanjutan) f. Financial Assets and Liabilities (Continued)
i. Klasifikasi (Lanjutan) i. Classification (Continued)
Model bisnis merefleksikan bagaimana kelompok The business model reflects how groups of
aset keuangan dikelola untuk mencapai tujuan financial assets are managed to achieve a
bisnis tertentu. particular business objective.
Bank melakukan pengujian karakteristik arus kas The Bank assesses the contractual cash flow
kontraktual dari aset keuangan yang dikelola untuk characteristics of financial assets to determine
mengetahui karakteristik arus kas kontraktual the characteristics of contractual cash flows only
berasal hanya dari pembayaran pokok dan bunga from the payment of principal and interest from
dari jumlah pokok terutang (Solely Payment of the outstanding principal (Solely Payment of
Principal and Interest atau Pass SPPI) yang Principal and Interest or Pass SPPI) that is
konsisten dengan pengaturan pinjaman dasar consistent with basic lending agreement. In making
(Basic Lending Agreement). Dalam melakukan the assessment, the Bank considers:
penilaian, Bank mempertimbangkan:
(i) Imbalan untuk nilai waktu dari uang; (vii) (vii(i)
i)(ix) The time value of money element of interest;
(ii) Leverage; (ii) Leverage;
(iii) Variabilitas pada waktu dan jumlah arus kas; (iii) Variability in timing or amount of cash flows;
(iv) Instrumen yang terkait secara kontraktual; (iv) Contractually linked instruments;
(v) Pembayaran dipercepat; dan (v) Early repayment; and
(vi) Ketentuan kontrak tidak sah dan de minimis. (vi) 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:
(i) Aset keuangan yang dikelola dalam model (i) Financial assets are managed where the
bisnis yang bertujuan untuk mendapatkan business model objective is to collect the
arus kas kontraktual; dan contractual cash flows; and
(ii) Arus kas kontraktual tersebut semata dari (ii) 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:
(i) Aset keuangan yang dikelola untuk (i) Financial assets are managed to collect the
mendapatkan arus kas kontraktual dan contractual cash flows and sell the financial
menjual aset keuangan; dan assets; and
(ii) Arus kas kontraktual tersebut semata dari (ii) The contractual cash flows are solely
pembayaran pokok dan bunga (SPPI). payments 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 it does not meet the
kondisi yang disyaratkan untuk diukur pada biaya conditions required to be measured at amortized
perolehan diamortisasi atau nilai wajar melalui cost or fair value through other comprehensive
penghasilan komprehensif lain. income.
Pada saat pengakuan awal, Bank dapat membuat At initial recognition, the Bank may make an
pilihan yang tidak dapat dibatalkan untuk irrevocable choice to present equity instruments
menyajikan instrumen ekuitas yang bukan dimiliki that are not held for trading at fair value through
untuk di perdagangkan pada nilai wajar melalui other comprehensive income.
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 (i) Financial liabilities at fair value through profit
wajar melalui laba rugi, yang memiliki 2 (dua) or loss, which has 2 (two) subclassifications,
sub-klasifikasi, yaitu liabilitas keuangan yang i.e. those designated as such upon initial
ditetapkan demikian pada saat pengakuan recognition and those classified as held for
awal dan diklasifikasikan dalam kelompok trading; and
diperdagangkan; dan
22
Page 530
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
f. Aset dan Liabilitas Keuangan (Lanjutan) f. Financial Assets and Liabilities (Continued)
d i. Klasifikasi (Lanjutan) i. Classification (Continued)
(ii) Liabilitas keuangan lain. Liabilitas keuangan (ii) Other financial liabilities. Other financial
lainnya merupakan liabilitas keuangan yang liabilities pertain to financial liabilities that
tidak dimiliki untuk dijual atau ditentukan are not held for trading nor designated as
sebagai nilai wajar melalui laba rugi saat at fair value through profit or loss upon
pengakuan liabilitas. recognition of the liability.
Kategori yang didefinisikan oleh PSAK 109/ Golongan (ditentukan oleh Bank)/ Sub-golongan/
Category as defined by PSAK 109 Class (as determined by the Bank) Sub-classes
Kas/Cash
Giro pada Bank Indonesia/Current account with Bank Indonesia
Giro pada Bank lain/Current account with other banks
Penempatan pada Bank Indonesia dan bank lain/
Placements with Bank Indonesia and other banks
Aset keuangan yang
Efek-efek/Securities
diukur pada biaya
perolehan yang Efek-efek yang Dibeli dengan Janji Dijual Kembali/
diamortisasi/ Securities purchased under resale agreement
Financial assets at Kredit yang diberikan/Loans
amortized cost Tagihan lainnya/Other receivables
Pendapatan bunga yang masih
akan diterima/Accrued
Aset lain-lain/Other assets interest receivables
Aset Keuangan/ Setoran jaminan/
Financial Assets Security deposits
Aset keuangan yang
diukur pada nilai wajar
melalui penghasilan
komprehensif lain/
Efek-efek/Securities
Financial assets at fair
value through other
comprehensive
income
Aset keuangan yang
diukur pada nilai wajar
melalui laba rugi/ Tagihan derivatif/
Aset lain-lain/Other assets
Financial assets at fair Derivative receivables
value through profit and
loss
Kategori yang didefinisikan oleh PSAK 109/ Golongan (ditentukan oleh Bank)/ Sub-golongan/
Category as defined by PSAK 109 Class (as determined by the Bank) Sub-classes
Liabilitas keuangan Simpanan dari nasabah/Deposit from customers
yang diukur dengan Simpanan dari Bank lain/Deposit from other Banks
biaya perolehan Pinjaman yang diterima/Borrowings
diamortisasi/ Biaya bunga yang masih harus
Financal liabilities dibayar/Accrued interest
Liabilitas Liabilitas lain-lain/Other liabilities
measured at amortized expenses
Keuangan/
cost Liabilitas sewa/Lease liabilities
Financial
Liabilities Liabilitas keuangan
yang diukur pada nilai
wajar melalui laba rugi/ Kewajiban derivatif/
Liabilitas lain-lain/Other liabilities
Financial liabilities at Derivative liabilities
fair value through profit
and loss
23
Page 531
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
f. Aset dan Liabilitas Keuangan (Lanjutan) f. Financial Assets and Liabilities (Continued)
ii. Pengakuan awal dan pengukuran selanjutnya ii. Initial recognition and subsequent measurement
Aset keuangan pada awalnya diukur pada nilai Financial assets and liabilities are initially
wajarnya ditambah atau dikurang biaya transaksi recognized at fair value plus or minus directly
yang dapat diatribusikan secara langsung untuk attributable transaction costs for those financial
aset dan liabilitas keuangan yang tidak diukur assets and liabilities not measured at fair value
pada nilai wajar melalui laba rugi. through profit and loss.
Biaya transaksi hanya meliputi biaya-biaya yang Transaction costs include only those costs that are
dapat diatribusikan secara langsung untuk directly attributable to the acquisition of a financial
perolehan suatu aset keuangan atau penerbitan asset or issue of a financial liability and are
suatu liabilitas keuangan dan merupakan biaya incremental costs that would not have been
tambahan yang tidak akan terjadi apabila incurred if the financial instrument had not been
keuangan tersebut tidak diperoleh atau diterbitkan. acquired or issued. Such transactions costs are
Biaya transaksi tersebut diamortisasi selama amortized over the terms of the instruments based
umur berdasarkan metode suku bunga efektif dan on the effective interest method and are recorded
dicatat sebagai bagian dari pendapatan bunga as part of interest income for transaction costs
untuk biaya transaksi sehubungan dengan aset related to financial assets or as part of interest
keuangan atau sebagai bagian dari beban bunga expenses for transaction costs related to financial
untuk biaya transaksi sehubungan dengan liabilitas liabilities.
keuangan.
Biaya transaksi untuk aset keuangan dan liabilitas Transaction costs for financial assets and liabilities
keuangan yang diukur pada nilai wajar melalui laba at FVTPL are recognized directly in the statement of
rugi diakui langsung dalam laporan laba rugi dan profit or loss and other comprehensive income.
penghasilan komprehensif lain.
Setelah pengakuan awal, pengukuran aset After initial recognition, the measurement of
keuangan dan liabilitas keuangan tergantung financial assets and financial liabilities depends on
klasifikasinya sebagai berikut: their classification as follows:
Aset keuangan pada biaya perolehan diamortisasi Financial assets at amortized cost
Aset keuangan pada biaya perolehan diamortisasi Financial assets at amortized cost are subsequently
selanjutnya diukur dengan menggunakan metode measured using the effective interest method
suku bunga efektif (Catatan 2.f.vi) dan disesuaikan (Note 2.f.vi) and adjusted for the allowance for
dengan cadangan kerugian penurunan nilainya. impairment losses.
Aset keuangan pada nilai wajar melalui Financial assets at fair value through other
penghasilan komprehensif lain comprehensive income
Keuntungan atau kerugian aset keuangan yang Gains or losses of financial assets measured
diukur pada nilai wajar melalui penghasilan at fair value through other comprehensive income
komprehensif lain diakui dalam penghasilan are recognized in other comprehensive income
komprehensif lain sampai aset keuangan until the financial assets are derecognized or
dihentikan pengakuannya atau direklasifikasi, reclassified, except:
kecuali:
(i) bunga yang dihitung menggunakan metode (i) interest calculated using the effective interest
suku bunga efektif diakui dalam laba rugi, method is recognized in profit or loss, the
jumlah yang diakui sebesar dengan yang amount equal to the amortization if the
amortisasi jika aset keuangan diukur pada financial asset is measured at amortized cost;
biaya perolehan yang diamortisasi;
(ii) keuntungan atau kerugian penurunan nilai; (ii) impairment gains or losses; or
atau
(iii) keuntungan atau kerugian selisih kurs. (iii) foreign exchange gains or losses.
24
Page 532
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
f. Aset dan Liabilitas Keuangan (Lanjutan) f. Financial Assets and Liabilities (Continued)
ii. Pengakuan awal dan pengukuran selanjutnya ii. Initial recognition and subsequent measurement
(Lanjutan) (Continued)
Aset keuangan pada nilai wajar melalui Financial assets at fair value through other
penghasilan komprehensif lain (Lanjutan) comprehensive income (Continued)
Ketika aset keuangan dihentikan pengakuannya, When a financial asset is derecognized, the
keuntungan atau kerugian kumulatif yang cumulative gain or loss previously recognized in
telah diakui sebelumnya dalam penghasilan other comprehensive income is reclassified
komprehensif lain direklasifikasi dari ekuitas ke from equity to profit or loss as a reclassification
laba rugi sebagai penyesuaian reklasifikasi. adjustment.
Untuk aset keuangan yang diukur pada nilai wajar For financial assets at FVTOCI in the form of
melalui penghasilan komprehensif lain berbentuk equity instruments, the amounts presented in
instrumen ekuitas, jumlah yang disajikan pada other comprehensive income are not subsequently
penghasilan komprehensif lain tidak selanjutnya transferred to profit or loss. However, the Bank can
dialihkan ke laba rugi. Akan tetapi Bank dapat transfer cumulative gains or losses on equity.
mengalihkan keuntungan atau kerugian kumulatif
pada ekuitas.
Bank menerapkan persyaratan penurunan nilai The Bank applies an impairment requirement for
untuk aset keuangan yang diukur pada biaya financial assets measured at amortized cost and
perolehan diamortisasi dan aset keuangan dalam financial assets in the form of debt instruments
bentuk instrumen utang yang diukur pada nilai that are measured at fair value through other
wajar melalui penghasilan komprehensif lain comprehensive income (Note 2.p).
(Catatan 2.p).
Aset keuangan pada nilai wajar melalui laba rugi Financial assets at fair value through profit or loss
Seluruh keuntungan dan kerugian yang timbul All gains and losses arising from changes in fair
akibat perubahan nilai wajar diakui pada laporan value are recognized in profit or loss, except for
laba rugi, kecuali instrumen lindung nilai yang hedging instruments that are designated in certain
ditetapkan ke dalam hubungan lindung nilai hedging relationships.
tertentu.
Liabilitas pada biaya perolehan diamortisasi Financial at amortized cost
Setelah pengakuan awal, Bank mengukur seluruh After the initial recognition, the Bank measures all
liabilitas keuangan yang diukur dengan biaya financial liabilities at amortized cost using effective
perolehan diamortisasi dengan menggunakan interest rate method (Note 2.f.vi).
metode suku bunga efektif (Catatan 2.f.vi).
Liabilitas keuangan pada nilai wajar melalui laba Financial liabilities at fair value through profit or
rugi loss
Seluruh keuntungan dan kerugian yang timbul All gains and losses arising from changes in fair
akibat perubahan nilai wajar diakui pada laporan value are recognized in profit or loss, except for
laba rugi, kecuali instrumen lindung nilai yang hedging instruments that are designated in certain
ditetapkan ke dalam hubungan lindung nilai hedging relationships.
tertentu.
25
Page 533
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
f. Aset dan Liabilitas Keuangan (Lanjutan) f. Financial Assets and Liabilities (Continued)
iii. Penghentian pengakuan iii. Derecognition
Bank menghentikan pengakuan aset keuangan The Bank derecognizes a financial asset if, and only
jika, dan hanya jika, hak kontraktual atas arus if, the contractual rights to the cash flows from the
kas yang berasal dari aset berakhir, atau Bank asset expired, or when it transfers the financial
mentransfer aset keuangan dan secara substansial assets and substantially all the risks and benefits
mentransfer seluruh risiko dan manfaat atas on ownership of the asset to another entity.
kepemilikan aset kepada entitas lain.
Jika Bank tidak mentransfer serta tidak memiliki If the Bank neither transfers nor retains
secara substansial atas seluruh risiko dan manfaat substantially all the risks and benefits on ownership
kepemilikan serta masih mengendalikan aset and continues to control the transferred asset,
yang ditransfer, maka Bank mengakui keterlibatan the Bank recognizes its retained interest in the
berkelanjutan atas aset yang ditransfer dan asset and an associated liability for amounts
liabilitas terkait sebesar jumlah yang mungkin it may have to pay. If the Bank retains substantially
harus dibayar. Jika Bank memiliki secara all the risks and benefit on ownership of a
substansial seluruh risiko dan manfaat transferred financial asset, the Bank continues
kepemilikan aset keuangan yang ditransfer, Bank to recognize the financial assets and also
masih mengakui aset keuangan dan juga mengakui recognizes a collateralized borrowing for the
pinjaman yang dijamin sebesar pinjaman yang proceeds received.
diterima.
Bank menghentikan pengakuan liabilitas keuangan The Bank derecognizes a financial liability when its
pada saat liabilitas yang ditetapkan dalam kontrak contractual obligations are discharged, cancelled
dilepaskan, dibatalkan atau kedaluwarsa. or expired.
Jika suatu liabilitas keuangan yang ada digantikan When an existing financial liability is replaced by
dengan liabilitas yang lain oleh pemberi pinjaman another liability from the same lender on
yang sama pada keadaan yang secara substantial substantially different terms, or the terms of an
berbeda, atau berdasarkan suatu liabilitas yang existing liability are substantially modified, such
ada yang secara substantial telah diubah, maka an exchange or modification is treated as
pertukaran atau modifikasi tersebut diperlakukan derecognition of original liability and recognition of
sebagai penghentian pengakuan liabilitas awal dan new liability, and the difference in the respective
pengakuan liabilitas baru dan perbedaan nilai carrying amounts is recognized in the profit or loss.
tercatat masing-masing diakui dalam laba rugi.
iv. Saling hapus iv. Offsetting
Aset keuangan dan liabilitas keuangan saling Financial assets and liabilities are offset and the
hapus dan nilai bersihnya disajikan dalam laporan net amount reported in the financial statements
keuangan jika, dan hanya jika, Bank: if, and only if, the Bank:
(i) saat ini memiliki hak yang berkekuatan hukum (i) has a legally enforceable right to offset the
untuk melakukan saling hapus atas jumlah recognized amount; and
yang telah diakui tersebut; dan
(ii) berniat untuk menyelesaikan secara bersih (ii) has an intention to settle on a net basis or
atau untuk merealisasikan aset dan realize the asset and settle the liability
menyelesaikan liabilitasnya secara simultan. simultaneously.
Hak saling hapus tidak kontinjen atas peristiwa di The legally enforceable right must not be
masa depan dan dapat dipaksakan secara hukum contingent on future events and must be
dalam situasi bisnis yang normal dan dalam enforceable in the normal course of business and
peristiwa gagal bayar, atau peristiwa kepailitan in the event of default, insolvency or bankruptcy of
atau kebangkrutan Bank atau pihak lawan. the Bank or counterparty.
26
Page 534
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
f. Aset dan Liabilitas Keuangan (Lanjutan) f. Financial Assets and Liabilities (Continued)
v. Reklasifikasi aset keuangan v. Reclassification of financial assets
Bank menerapkan reklasifikasi secara prospektif The Bank applies the reclassification prospectively
sejak tanggal reklasifikasi. Keuntungan, kerugian from the reclassification date. Any previously
(termasuk keuntungan atau kerugian penurunan recognized gains, losses (including impairment
nilai) atau bunga yang telah diakui sebelumnya gains or losses) or interest are not recognized
tidak diakui kembali. anymore.
Untuk reklasifikasi aset keuangan yang diukur For reclassification of financial asset at amortized
pada biaya perolehan diamortisasi menjadi aset cost to financial asset at FVTPL, its fair value is
keuangan pada FVTPL, nilai wajarnya diukur pada measure at the reclassification date. Any gain or
tanggal reklasifikasi. Keuntungan atau kerugian loss arising from a difference between the previous
yang timbul dari selisih antara biaya perolehan amortized cost of the financial asset and fair value
diamortisasi sebelumnya dari aset keuangan dan is recognized in profit or loss.
nilai wajarnya diakui dalam laba rugi.
Untuk reklasifikasi aset keuangan yang diukur pada For reclassification of financial asset at FVTPL to
FVTPL menjadi aset keuangan yang diukur dengan financial asset at amortized cost, its fair value at
biaya perolehan diamortisasi, maka nilai wajar the reclassification date becomes its new gross
pada tanggal reklasifikasi menjadi nilai tercatat carrying amount.
bruto yang baru.
Untuk reklasifikasi aset keuangan yang diukur pada For reclassification of financial asset at amortized
biaya perolehan diamortisasi ke aset keuangan cost to financial asset at FVOCI, its fair value is
yang diukur pada FVOCI, nilai wajarnya diukur pada measured at the reclassification date. Any gain or
tanggal reklasifikasi. Keuntungan atau kerugian loss arising from a difference between the previous
yang timbul dari selisih antar biaya perolehan amortized cost of the financial asset and fair value
diamortisasi sebelumnya dari aset keuangan is recognized in other comprehensive income.
dan nilai wajarnya diakui dalam penghasilan
komprehensif lain.
Untuk reklasifikasi aset keuangan yang diukur pada For reclassification of financial asset at FVOCI to
FVOCI pada biaya perolehan diamortisasi, maka financial asset at amortized cost, the financial
aset keuangan tersebut diklasifikasikan pada asset is reclassified at its fair value at the
nilai wajarnya pada tanggal reklasifikasi. Namun reclassification date. However, the cumulative
demikian, keuntungan atau kerugian kumulatif gain or loss previously recognized in other
yang sebelumnya telah diakui dalam penghasilan comprehensive income is removed from equity and
komprehensif lain dikeluarkan dari ekuitas dan adjusted against the fair value of the financial asset
disesuaikan dengan nilai wajar aset keuangan at the reclassification date.
pada tanggal reklasifikasi.
Untuk reklasifikasi aset keuangan yang diukur pada For reclassification of financial asset at FVTPL
FVTPL ke aset keuangan yang diukur pada FVOCI, to financial asset at FVOCI, the financial asset
aset keuangan tersebut tetap diukur pada nilai continues to be measured at fair value.
wajar.
Untuk reklasifikasi aset keuangan yang diukur pada For reclassification of financial asset at FVOCI
FVOCI ke aset keuangan yang diukur pada FVTPL, to financial asset at FVTPL, the financial asset
aset keuangan tersebut tetap diukur pada nilai continues to be measured at fair value. The
wajarnya. Keuntungan atau kerugian kumulatif cumulative gain or loss previously recognized in
yang sebelumnya diakui dalam penghasilan other comprehensive income is reclassified from
komprehensif lain direklasifikasi dari ekuitas ke equity to profit or loss as a reclassification
laba rugi sebagai penyesuaian reklasifikasi pada adjustment at the reclassification date.
tanggal reklasifikasi.
27
Page 535
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
f. Aset dan Liabilitas Keuangan (Lanjutan) f. Financial Assets and Liabilities (Continued)
vi. Metode suku bunga efektif vi. Effective interest rate method
Metode suku bunga efektif adalah metode yang The effective interest rate method is a method
digunakan untuk menghitung biaya perolehan of calculating the amortized cost of a financial
diamortisasi dari instrumen keuangan dan metode instrument and method of allocating interest
untuk mengalokasikan pendapatan bunga dan income and interest expense over the relevant
beban bunga selama periode yang relevan. period.
Suku bunga efektif adalah suku bunga yang secara The effective interest rate is the rate that
tepat mendiskontokan estimasi penerimaan kas exactly discounts estimated future cash receipts
di masa datang (mencakup seluruh komisi dan (including all fees and points paid or received
bentuk lain yang dibayarkan dan diterima oleh para by the parties at the contract that form an integral
pihak dalam kontrak yang merupakan bagian yang part of the effective interest rate, transaction costs
tak terpisahkan dari suku bunga efektif, biaya and other premiums or discounts) through the
transaksi dan premium atau diskonto lainnya) expected life of the financial instrument or, where
selama perkiraan umur instrumen keuangan atau, appropriate, a shorter period to the net carrying
jika lebih tepat, digunakan periode yang lebih amount on initial recognition.
singkat untuk memperoleh nilai tercatat bersih dari
aset keuangan pada saat pengakuan awal.
Perhitungan dari suku bunga efektif termasuk The calculation of the effective interest rate
semua biaya dan pembayaran atau penerimaan includes all fees and points paid or received which
poin yang merupakan bagian integral dari suku are integral parts of the effective interest rate.
bunga efektif.
Biaya transaksi termasuk biaya incremental yang Transaction costs include incremental cost which is
secara langsung berkaitan dengan akuisisi atau directly attributable to the acquisition or issuance
penerbitan atas aset atau liabilitas keuangan. of financial assets or liabilities.
vii. Niai wajar vii. Fair value
Nilai wajar adalah harga yang akan diterima Fair value is the price that would be received to sell
untuk menjual suatu aset atau harga yang akan an asset or paid to transfer a liability in an orderly
dibayar untuk mengalihkan suatu liabilitas dalam transaction between market participants at the
transaksi teratur antara pelaku pasar pada measurement date in the principal market or, in its
tanggal pengukuran di pasar utama atau, jika absence, the most advantageous market to which
tidak terdapat pasar utama, di pasar yang paling the Bank has access at that date. The fair value of
menguntungkan di mana Bank memiliki akses a liability reflects the risk of default.
pada tanggal tersebut. Nilai wajar liabilitas
mencerminkan risiko wanprestasinya.
Jika tersedia, Bank mengukur nilai wajar keuangan When available, the Bank measures the fair value
dengan menggunakan harga kuotasian di pasar of a financial instrument using the quoted price in
aktif untuk instrumen tersebut. Suatu pasar an active market for that instrument. A market is
dianggap aktif jika transaksi atas aset dan liabilitas regarded as active if transactions for the asset or
terjadi dengan frekuensi dan volume yang liability take place with sufficient frequency and
memadai untuk menyediakan informasi penentuan volume to provide pricing information on an
harga secara berkelanjutan. ongoing basis.
Jika harga kuotasian tidak tersedia di pasar aktif, If there is no quoted price in an active market, then
Bank menggunakan teknik penilaian dengan the Bank uses valuation techniques that maximize
memaksimalkan penggunaan input yang dapat the use of relevant observable inputs and minimize
diobservasi dan relevan dan meminimalkan the use of unobservable inputs. The chosen
penggunaan input yang tidak dapat diobservasi. valuation technique incorporates all of the factors
Teknik penilaian yang dipilih menggabungkan that market participants would take into account in
semua faktor yang diperhitungkan oleh pelaku pricing a transaction.
pasar dalam penentuan harga transaksi.
28
Page 536
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
f. Aset dan Liabilitas Keuangan (Lanjutan) f. Financial Assets and Liabilities (Continued)
vii. Niai wajar (Lanjutan) vii. Fair value (Continued)
Bukti terbaik atas nilai wajar instrumen keuangan The best evidence of the fair value of a financial
pada saat pengakuan awal adalah harga transaksi, instrument at initial recognition is normally the
yaitu nilai wajar dari pembayaran yang diberikan transaction price, i.e., the fair value of the
atau diterima. Jika Bank menetapkan bahwa nilai consideration given or received. If the Bank
wajar pada pengakuan awal berbeda dengan harga determines that the fair value at initial recognition
transaksi dan nilai wajar tidak dapat dibuktikan differs from the transaction price and the fair
dengan harga kuotasian di pasar aktif untuk aset value is evidenced neither by a quoted price in an
atau liabilitas yang identik atau berdasarkan active market for an identical asset or liability nor
penilaian yang hanya menggunakan data dari based on a valuation technique that uses only
pasar yang dapat diobservasi, maka nilai wajar data from observable markets, then the financial
instrumen keuangan pada saat pengakuan awal instrument is initially measured at fair value,
disesuaikan untuk menangguhkan perbedaan adjusted to defer the difference between the fair
antara nilai wajar pada saat pengakuan awal dan value at initial recognition and the transaction
harga transaksi. Setelah pengakuan awal, price. Subsequently, that difference is recognized in
perbedaan tersebut diakui dalam laba rugi profit or loss on an appropriate basis over the life of
berdasarkan umur dari instrumen tersebut namun the instrument but no later than when the valuation
tidak lebih lambat dari saat penilaian tersebut is wholly supported by observable market data or
didukung sepenuhnya oleh data pasar yang dapat the transaction is closed out.
diobservasi atau saat transaksi ditutup.
Jika aset atau liabilitas yang diukur pada nilai wajar If an asset or a liability measured at fair value has
memiliki harga penawaran dan harga permintaan, a bid price and an ask price, then the Bank
maka Bank mengukur aset dan posisi long measures assets and long positions at a bid price
berdasarkan harga penawaran dan mengukur and liabilities and short positions at an ask price.
liabilitas dan posisi short berdasarkan harga
permintaan.
Jika Bank memiliki posisi aset dan liabilitas di mana Where the Bank has assets and liabilities positions
risiko pasarnya saling hapus, maka Bank dapat with offsetting risk, mid-market prices are used to
menggunakan nilai tengah dari harga sebagai measure the offsetting risk positions and a bid or
dasar untuk menentukan nilai wajar posisi risiko ask price adjustment is applied only to the net open
yang saling hapus tersebut dan menerapkan position as appropriate.
penyesuaian terhadap harga penawaran atau
harga permintaan terhadap net open position,
mana yang lebih sesuai.
Portofolio aset keuangan dan liabilitas keuangan Portfolio of financial assets and financial liabilities
yang diukur pada nilai wajar, yang terekspos risiko measured at fair value, that are exposed to market
pasar dan risiko kredit yang dikelola oleh Bank risk and credit risk that are managed by the Bank
berdasarkan eksposur bersihnya baik terhadap on the basis of the net exposure to either market or
risiko pasar ataupun risiko kredit, diukur credit risk, are measured on the basis of a price that
berdasarkan harga yang akan diterima untuk would be received to sell a net long position (or paid
menjual posisi net long (atau dibayar untuk to transfer a net short position) for a particular risk
mengalihkan posisi net short) untuk eksposur exposure. Those portfolio-level adjustments are
risiko tertentu. Penyesuaian pada level tersebut allocated to the individual assets and liabilities on
dialokasikan pada aset dan liabilitas individual the basis of the relative risk adjustment of each of
berdasarkan penyesuaian risiko dari masing- the individual instruments in the portfolio.
masing individual di dalam portofolio.
g. Giro pada Bank Indonesia dan Bank Lain g. Current Accounts with Bank Indonesia and Other Banks
Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and other banks
diklasifikasikan dan diukur sebagai biaya perolehan are classified and measured at amortized cost using
yang diamortisasi menggunakan metode suku bunga the effective interest rate method less any allowance
efektif dikurangi cadangan kerugian penurunan nilai. for impairment loss.
29
Page 537
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
h. Penempatan Pada Bank Indonesia dan Bank Lain h. Placements with Bank Indonesia and Other Banks
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other banks
merupakan penempatan dalam bentuk deposit facility, represent placements in deposit facility, and call
dan call money. money.
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other banks are
diklasifikasikan dan diukur sebagai biaya perolehan classified and measured at amortized cost using the
yang diamortisasi menggunakan metode suku bunga effective interest rate method less any allowance for
efektif dikurangi cadangan kerugian penurunan nilai. impairment loss.
i. Kredit yang Diberikan i. Loans
Kredit yang diberikan adalah penyediaan uang Loans represent funds provided or receivables that
atau tagihan yang dapat disetarakan dengan itu, can be considered as equivalents thereof, based on
berdasarkan persetujuan atau kesepakatan pinjam- agreements or financing contracts with borrowers,
meminjam dengan debitur yang mewajibkan debitur where borrowers are required to repay their debts with
untuk melunasi utang dan bunganya setelah jangka interest after a specified period.
waktu tertentu.
Agunan yang diperlukan dalam setiap pemberian kredit Collateral is required for all credits extended as
sebagai sumber terakhir pelunasan kredit (‘secondary a secondary source of credit repayment and also as
source of credit repayment’) dan sebagai salah satu a form of credit risk mitigation. Typically accepted
bentuk mitigasi risiko kredit. Umumnya jenis agunan collateral includes time deposits, land and buildings,
yang diterima Bank untuk memitigasi risiko kredit di vehicles, accounts receivable, machines, inventories
antaranya adalah deposito berjangka, tanah dan and others.
bangunan, kendaraan bermotor, piutang, mesin,
persediaan barang dan lain-lain.
Restrukturisasi kredit meliputi modifikasi persyaratan Loan restructuring involves a modification of terms of
kredit, pengurangan sebagian saldo kredit dan/atau the loans, reduction of portion of loan principal and/or
kombinasi dari keduanya. combination of both.
Untuk kredit yang direstrukturisasi, keuntungan For restructured loans, gain (loss) from restructuring
(kerugian) dari restrukturisasi timbul pada saat nilai arises when the present value of future cash receipts
sekarang dari penerimaan kas masa depan yang specified in the new terms of the loans is greater (less)
ditentukan dalam persyaratan kredit yang baru lebih than the carrying amount of loans recorded prior to
besar (kurang) dari nilai tercatat kredit yang diberikan restructuring.
yang tercatat sebelum restrukturisasi.
Kredit dihapusbukukan jika tidak terdapat prospek Loans are written-off when there is no realistic
yang realistis untuk pengembalian masa datang dan prospect of future recovery and all collaterals have
semua agunan telah terealisasi atau telah diambil alih been realized or have been transferred to the Bank.
oleh Bank.
Kriteria penghapusbukuan kredit kepada debitur The criteria for write-off of loan to debtors are as
adalah sebagai berikut: follows:
(i) Kredit yang memiliki kualitas macet; (i) Loan that has collectibility classification of “loss”;
(ii) Fasilitas kredit telah dibentuk cadangan kerugian (ii) Loan facility has been provided with 100%
penurunan nilai aset sebesar 100% dari pokok allowance for impairment losses from the loan
kredit; principal;
(iii) Hapus buku dilakukan terhadap seluruh liabilitas (iii) The write-offs are performed for all loan
kreditnya, sehingga penghapusbukuan tidak boleh obligations, the loan obligations shall not be
dilakukan pada sebagian kreditnya (partial write- written-off partiall;
off);
(iv) Telah dilakukan berbagai upaya penagihan dan (iv) Collection and recovery efforts have been
pemulihan, namun tidak berhasil; performed, but the results are unsuccessful;
(v) Usaha debitur sudah tidak mempunyai prospek (v) The debtor’s business has no prospect or
atau kinerja debitur buruk atau tidak memiliki performance is bad or they do not have the ability
kemampuan membayar. to repay the loan.
30
Page 538
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
i. Kredit yang Diberikan (Lanjutan) i. Loans (Continued)
Kredit yang diberikan diklasifikasikan dan diukur pada Loans are classified and measured at amortized cost
biaya perolehan diamortisasi menggunakan metode using the effective interest rate method less allowance
suku bunga efektif dikurangi cadangan kerugian for impairment loss.
penurunan nilai.
j. Efek-efek j. Securities
Efek-efek yang dimiliki terdiri dari Obligasi Pemerintah, Securities consist of Government Bonds, Corporate
Obligasi Korporasi dan Wesel Tagih. Bonds and Export Drafts.
Efek-efek pada saat pengakuan awal diukur sebesar At initial recognition, securities are measured at fair
nilai wajar ditambah dengan biaya transaksi value plus transaction costs which are directly
yang dapat diatribusikan secara langsung dengan attributable to the acquisition of securities, and
perolehan efek-efek dan pengukuran selanjutnya subsequently measured based on its financial assets
berdasarkan klasifikasi efek-efek pada aset keuangan classification net of any allowance for impairment
tertentu dikurangi dengan cadangan kerugian losses.
penurunan nilai.
k. Efek-efek yang Dibeli dengan Janji Dijual Kembali k. Securities Purchased Under Resale Agreements
Pada pengukuran awal, efek-efek yang dibeli dengan Securities purchased under resale agreement are
janji dijual kembali disajikan sebesar nilai wajar initially measured at fair value plus directly attributable
ditambah dengan biaya transaksi yang dapat transaction costs. Subsequent to initial recognition,
diatribusikan secara langsung. Setelah pengakuan securities purchased under resale agreements are
awal, efek-efek yang dibeli dengan janji dijual kembali measured at amortized cost. The difference between
diukur pada biaya perolehan diamortisasi. Selisih purchase and resale price is recognized as interest
antara harga beli dan harga jual kembali diakui sebagai income using the effective interest method.
pendapatan bunga dengan menggunakan metode
suku bunga efektif.
Efek-efek yang dibeli dengan janji untuk dijual kembali Securities purchased under resale agreements are
disajikan sebagai aset dalam laporan posisi keuangan presented as an asset in the statement of financial
sebesar harga jugal kembali setelah dikurangi position at the reselling price net with unearned
pendapatan bunga yang belum diterima, dikurangi interest income, less allowance for impairment losses,
dengan cadangan kerugian penurunan nilai, jika where appropriate.
diperlukan.
l. Pajak Penghasilan l. Income Tax
Beban pajak penghasilan terdiri dari beban pajak kini Income tax expense comprises of current and deferred
dan beban pajak tangguhan. Beban pajak penghasilan tax. Income tax expense is recognized in the statement
diakui pada laba rugi dan penghasilan komprehensif of profit or loss and other comprehensive income,
lain, kecuali untuk akun yang langsung diakui di except to the extent it relates to accounts recognized
komponen ekuitas lainnya, di mana beban pajak yang directly in other equity components, in which case it is
terkait dengan akun tersebut diakui di penghasilan recognized in other comprehensive income.
komprehensif lain.
Beban pajak kini untuk tahun berjalan dihitung Current tax expense is determined based on the
berdasarkan taksiran penghasilan kena pajak dalam estimated taxable income for the current year.
periode yang bersangkutan. Penangguhan pajak Deferred taxes are recognized to reflect the tax
penghasilan dilakukan untuk mencerminkan pengaruh effects of the temporary differences between financial
pajak atas beda temporer antara dasar pelaporan and tax reporting basis of assets and liabilities and
komersial dan pajak atas aset dan liabilitas dan accumulated tax losses carry forwards.
akumulasi rugi fiskal.
Pajak penghasilan tangguhan diukur dengan Deferred income tax is measured at the tax rates that
menggunakan tarif pajak yang berlaku atau secara have been enacted or substantively enacted as of the
substansial telah berlaku pada tanggal laporan statement of financial position date. Deferred tax is
posisi keuangan. Pajak tangguhan dibebankan atau charged or credited in the statement of profit or loss
dikreditkan dalam laporan laba rugi dan penghasilan and other comprehensive income, unless the deferred
komprehensif lain, kecuali pajak tangguhan yang tax is charged or credited directly to equity.
dibebankan atau dikreditkan langsung ke ekuitas.
31
Page 539
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
l. Pajak Penghasilan (Lanjutan) l. Income Tax (Continued)
Liabilitas pajak tangguhan diakui untuk semua Deferred tax liabilities are recognized for all taxable
perbedaan temporer kena pajak dan aset pajak temporary differences and deferred tax assets are
tangguhan diakui untuk perbedaan temporer yang recognized for deductible temporary differences if it is
boleh dikurangkan, jika terdapat kemungkinan bahwa probable that taxable income will be available in
dapat dimanfaatkan untuk mengurangi laba kena future periods against which the deductible temporary
pajak pada masa datang. differences can be utilized.
Koreksi terhadap kewajiban perpajakan diakui saat Amendments to taxation obligations are recorded
surat ketetapan pajak diterima, atau jika mengajukan when a tax assessment letter is received, or if
banding, pada saat keputusan atas banding tersebut appealed against, when the results of the appeal has
telah ditetapkan. determined.
m. Aset Tetap, Aset Hak-guna dan Liabilitas Sewa m. Fixed Assets, Right-of-use Assets and Lease Liabilities
Aset Tetap Fixed Assets
Aset tetap yang dimiliki oleh Bank digunakan semata- Fixed assets owned by the Bank are solely used in the
mata untuk operasional Bank. Bank’s operation.
Bank menggunakan model biaya untuk pengukuran The Bank uses the cost model for fixed assets
aset tetapnya. measurement.
Biaya perolehan awal aset tetap meliputi biaya The initial cost of fixed assets consists of its purchase
perolehan, termasuk bea impor dan pajak pembelian price, including non-creditable import duties and taxes
yang tidak dapat dikreditkan dan biaya-biaya yang and any directly attributable costs in bringing the
dapat diatribusikan secara langsung untuk membawa premises and equipment to its working condition and
aset ke lokasi dan kondisi yang diinginkan sesuai location for its intended use.
dengan tujuan penggunaan yang ditetapkan.
Beban pemeliharaan dan perbaikan dibebankan pada The cost of maintenance and repair are charged to the
laporan laba rugi dan penghasilan komprehensif lain statement of profit or loss and other comprehensive
pada saat terjadinya. Biaya-biaya lain yang terjadi income as incurred. Other cost incurred subsequently
selanjutnya yang timbul untuk menambah, mengganti to add to, replace part of or service an item of asset is
atau memperbaiki aset dicatat sebagai biaya recorded as acquisition of asset if, and only if it is
perolehan aset jika, dan hanya jika besar kemungkinan probable that future economic benefits associated with
manfaat ekonomis di masa depan berkenaan dengan the item will flow to the entity and the cost of the item
aset tersebut mengalir ke entitas dan biaya perolehan can be measured reliably.
aset dapat diukur secara andal.
Aset tetap disusutkan dengan menggunakan metode Depreciation of fixed assets is computed using the
garis lurus selama umur manfaat aset tetap yang straight-line method over the estimated useful life of
diestimasi sebagai berikut: the assets, as follows:
Masa manfaat (tahun)/
Useful life (years)
Bangunan 5 - 20 Buildings
Kendaraan 4-8 Vehicles
Perbaikan aset yang disewa 4-5 Leasehold improvements
Perlengkapan dan peralatan kantor 4-8 Furnitures, fixtures and office equipment
Masa manfaat ekonomis, nilai residu dan metode The economic useful life, residual values and
penyusutan direviu setiap akhir tahun dan pengaruh depreciation method are reviewed at each year
dari setiap perubahan estimasi tersebut berlaku end, with the effect of any changes in estimate for on
prospektif. a prospective basis.
Untuk semua aset tetap, Bank menentukan tidak For all fixed assets, the Bank has determined that
terdapat nilai residu. there is no residual value.
32
Page 540
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
m. Aset Tetap, Aset Hak-guna dan Liabilitas Sewa m. Fixed Assets, Right-of-use Assets and Lease Liabilities
(Lanjutan) (Continued)
Aset Tetap (Lanjutan) Fixed Assets (Continued)
Jumlah tercatat aset tetap dihentikan pengakuannya Carrying amount of fixed assets is derecognized upon
pada saat dilepaskan atau saat tidak ada manfaat disposal or when no future economic benefits are
ekonomis masa depan yang diharapkan dari expected from its use or disposal. Any gain or loss
penggunaan atau pelepasannya. Laba atau rugi yang arising from derecognition of the asset (calculated as
timbul dari penghentian pengakuan aset (dihitung the difference between the net disposal proceeds and
sebagai perbedaan antara jumlah bersih hasil the carrying amount of the asset) is included in the
pelepasan dan nilai tercatat dari aset) dimasukkan statement of profit or loss and other comprehensive
dalam laporan laba rugi dan penghasilan komprehensif income in the year the asset is derecognized.
lain pada tahun aset tersebut dihentikan
pengakuannya.
Akumulasi biaya konstruksi bangunan serta The accumulated costs of the construction of buildings
pemasangan peralatan kantor, dikapitalisasi sebagai and installation of office equipment are capitalized as
aset dalam pembangunan. Biaya tersebut construction in progress. These costs are reclassified
direklasifikasi ke akun aset tetap pada saat proses to fixed assets accounts when the construction or
konstruksi atau pemasangan selesai. Penyusutan installation is complete. Depreciation is charged on the
mulai dibebankan pada tanggal yang sama. same date.
Aset Hak-guna dan Liabilitas Sewa Right-of-use Assets and Lease Liabilities
Bank diwajibkan untuk mengakui aset dan liabilitas The Bank is required to recognize assets and liabilities
untuk semua sewa dengan pengecualian sewa jangka for all leases with the exemptions of short-term leases
pendek dan aset dengan nilai rendah. Penyewa and the underlying asset is of low value. A lessee is
diharuskan untuk mengakui aset hak-guna yang required to recognize a right-of-use asset representing
mewakili haknya untuk menggunakan aset sewaan its right to use the underlying leased asset and a lease
dan liabilitas sewa yang mewakili kewajibannya untuk liability representing its obligation to make lease
melakukan pembayaran sewa. payments.
Bank mengakui liabilitas sewa, sebagai pembayaran The Bank recognized a lease liability, being the
sewa yang tersisa termasuk atas opsi perpanjangan remaining lease payments including extensions
di mana perpanjangan hampir dapat dipastikan, options where renewal is reasonably certain,
didiskontokan menggunakan tingkat bunga pinjaman discounted using the incremental borrowing rate at
inkremental pada tanggal pengakuan awal. Sedangkan the date of initial recognition. Meanwhile, rights-of-use
aset hak-guna mencakup jumlah liabilitas sewa yang assets include the amount of lease liabilities
diakui, biaya langsung awal yang dibayarkan, biaya recognized, initial direct costs paid, recovery costs
pemulihan dan pembayaran sewa yang dilakukan pada and lease payments made on or before the start date
atau sebelum tanggal mulai sewa, dikurangi insentif of the lease, less rental incentives received. Rights-of-
sewa yang diterima. Aset hak-guna disusutkan dengan use assets are depreciated using the straight-line
metode garis lurus selama jangka waktu yang lebih method over the shorter period between the lease term
pendek antara masa sewa dengan estimasi masa and the estimated useful life of the asset.
manfaat aset.
Pembayaran sewa dialokasikan menjadi bagian pokok Each lease payment is allocated between the liability
dan biaya keuangan. Biaya keuangan dibebankan pada and finance cost. The finance cost is charged to profit
laba rugi selama periode sewa sehingga menghasilkan or loss over the leases period to produce a constant
tingkat suku bunga periodik yang konstan atas saldo periodic rate of interest on the ending balance of the
akhir liabilitas untuk setiap periode. liability for each period.
33
Page 541
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
m. Aset Tetap, Aset Hak-guna dan Liabilitas Sewa m. Fixed Assets, Right-of-use Assets and Lease Liabilities
(Lanjutan) (Continued)
Aset Hak-guna dan Liabilitas Sewa (Lanjutan) Right-of-use Assets and Lease Liabilities (Continued)
Ketika Bank merevisi estimasi jangka waktu dari setiap When the Bank revises its estimate of the term of
sewa (karena, sebagai contoh penilaian kembali any lease (because, for example, it re-assesses the
atas kemungkinan perpanjangan masa sewa atau probability of a lessee extension or termination option
penghentian sewa jika opsi tersebut dieksekusi), being exercised), it adjusts the carrying amount of the
penyesuaian terhadap jumlah tercatat sebagai liabilitas lease liability to reflect the payments to make over the
sewa untuk mencerminkan pembayaran yang harus revised term, which are discounted using a revised
dilakukan dengan mendiskontokan pembayaran discount rate. The carrying amount of lease liabilities is
sewa revisian menggunakan tingkat diskonto revisian. similarly revised when the variable element of future
Nilai tercatat liabilitas sewa juga direvisi ketika lease payments dependent on a rate or index is revised,
elemen pembayaran sewa variabel masa yang akan except the discount rate remains unchanged. In both
datang bergantung pada indeks atau suku bunga, cases an equivalent adjustment is made to the carrying
kecuali tingkat diskonto tidak berubah. Untuk kedua hal amount of the right-of-use asset, with the revised
di atas, penyesuaian dilakukan terhadap nilai tercatat carrying amount being amortized over the remaining
dari aset hak-guna, dengan nilai tercatat yang direvisi (revised) lease term. If the carrying amount of the right-
diamortisasi selama sisa masa sewa (yang direvisi). of-use asset is adjusted to zero, any further reduction
Jika jumlah tercatat dari aset hak-guna disesuaikan is recognized in profit or loss.
menjadi nol, selanjutnya pengurangan diakui dalam
laporan laba rugi.
n. Aset Takberwujud n. Intangible Assets
Aset takberwujud terdiri dari perangkat lunak yang Intangible assets consist of software acquired by the
dibeli Bank. Bank.
Perangkat lunak yang dibeli oleh Bank dicatat sebesar Software acquired by the Bank is stated at cost
biaya perolehan dikurangi akumulasi amortisasi dan less accumulated amortization and accumulated
akumulasi kerugian penurunan nilai (jika ada). impairment losses (if any).
Pengeluaran selanjutnya untuk perangkat lunak Subsequent expenditure on software is capitalized
akan dikapitalisasi hanya jika pengeluaran tersebut only when it increases the future economic benefits
menambah manfaat ekonomis aset yang bersangkutan embodied in the specific asset to which it relates. All
di masa mendatang. Semua pengeluaran lainnya other expenditures are expensed as incurred.
dibebankan pada saat terjadinya.
Perangkat lunak dihentikan pengakuannya jika dilepas Software is derecognized on disposal or when there
atau ketika tidak terdapat lagi manfaat ekonomi is no future economic benefits are expected from its
masa depan yang diperkirakan dari penggunaan atau use or disposal.
pelepasannya.
Amortisasi diakui dalam laporan laba rugi dan Amortization is recognized in statement of profit or loss
penghasilan komprehensif lain dengan menggunakan and other comprehensive income on a straight-line
metode garis lurus sepanjang masa manfaat dari method over the estimated useful life of the software,
perangkat lunak tersebut, dari tanggal perangkat lunak from the date it is available for use. The estimated
tersebut tersedia untuk dipakai. Estimasi masa useful life of software is 4-5 years.
manfaat dari perangkat lunak adalah 4-5 tahun.
Metode amortisasi, estimasi masa manfaat dan nilai Amortization method, estimation of useful life and
residual ditelaah pada setiap akhir tanggal pelaporan residual values are reviewed at each reporting date and
dan disesuaikan jika dianggap tepat. adjusted if appropriate.
34
Page 542
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
o. Agunan yang Diambil Alih o. Foreclosed Assets
Agunan yang diambil alih (AYDA) sehubungan dengan Foreclosed assets with respect to settlement of loan
penyelesaian kredit diakui sebesar nilai bersih yang are recognized at net realizable value or the carrying
dapat direalisasi atau sebesar nilai tercatat dari kredit, amount of the loan, whichever is lower. Net realizable
mana yang lebih rendah. Nilai bersih yang dapat value is the fair value of the foreclosed assets after
direalisasi adalah nilai wajar agunan yang diambil deducting the estimated costs of disposal.
alih (AYDA) setelah dikurangi dengan estimasi biaya
pelepasan.
Kelebihan saldo kredit yang diberikan, yang belum Excess loan given, which has not been repaid by the
dilunasi oleh peminjam di atas nilai dari agunan borrower on the value of foreclosed assets, is charged
yang diambil alih, dibebankan sebagai penyisihan as an allowance for uncollectible loans in the current
penghapusan kredit yang diberikan pada tahun year.
berjalan.
Agunan yang diambil alih tidak disusutkan dan Foreclosed assets are not depreciated and expenses
beban-beban sehubungan dengan perolehan dan in relation with the acquisition and maintenance of
pemeliharaan aset tersebut dibebankan pada laba those assets are charged to profit or loss as incurred.
rugi pada saat terjadinya.
Selisih antara nilai tercatat dan hasil penjualan dari The difference between the carrying amount and the
agunan yang diambil alih diakui sebagai laba atau rugi proceeds from the sale of foreclosed assets is
pada saat penjualan agunan yang diambil alih, dan recognized as gain or loss at the time of sale and
diakui sebagai pendapatan atau beban pada laporan recognized as income or expense in the statement of
laba rugi dan penghasilan komprehensif lain. profit or loss and other comprehensive income.
Manajemen melakukan evaluasi atas nilai agunan Management evaluates the value of foreclosed assets
yang diambil alih secara berkala. Cadangan kerugian on a periodic basis. Allowance for impairment loss
penurunan nilai atas agunan yang diambil alih diakui on foreclosed assets is recognized to reduce any
untuk mengurangi nilai atas agunan yang diambil alih. reduction of foreclosed assets value.
p. Identifikasi dan Pengukuran Kerugian Penurunan Nilai p. Identification and Measurement of Impairment Losses
Aset Keuangan Financial Assets
Bank mengakui penyisihan kerugian kredit The Bank recognizes the allowance for expected credit
ekspektasian pada instrumen keuangan yang tidak losses on financial assets that are not measured at fair
diukur pada nilai wajar melalui laba rugi. value through profit or loss.
Bank mengukur cadangan kerugian penurunan nilai The Bank measures the allowance for impairment
untuk kerugian kredit ekspektasian sepanjang losses for the lifetime expected credit losses, except
umurnya, kecuali untuk hal berikut, diukur sejumlah for the following which are measured according to
kerugian kredit ekspektasian 12 bulan: 12 months expected credit losses:
(i) Aset keuangan yang memiliki risiko kredit rendah; (i) Financial assets that have low credit risk; and
dan
(ii) Instrumen keuangan lainnya yang risiko kredit (ii) Other financial assets that the credit risks
tidak meningkat secara signifikan sejak have not increased significantly since initial
pengakuan awal. recognition.
Bank menganggap instrumen utang memiliki risiko The Bank considers debt instruments to have low
kredit yang rendah ketika peringkat risiko kreditnya credit risk when the credit risk rating is at par with
setara dengan definisi investment grade yang the globally understood definition of investment
dipahami secara global. grade.
Kerugian kredit ekspektasian 12 bulan adalah bagian The 12-month expected credit loss is part of the
dari kerugian kredit ekspektasian sepanjang umurnya expected credit loss throughout its lifetime that
yang merepresentasikan kerugian kredit ekspektasian represents an expected credit loss arising from a
yang timbul dari peristiwa gagal bayar instrumen default on financial instruments that might occur within
keuangan yang mungkin terjadi dalam 12 bulan 12 months after reporting date.
setelah tanggal pelaporan.
35
Page 543
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
p. Identifikasi dan Pengukuran Kerugian Penurunan Nilai p. Identification and Measurement of Impairment Losses
(Lanjutan) (Continued)
Aset Keuangan (Lanjutan) Financial Assets (Continued)
Bank menggunakan model yang kompleks didasarkan The Bank primarily uses sophisticated based on the
pada konsep matriks probability of default (“PD”), concepts of probability of default (“PD”), loss
loss given default (“LGD”) dan exposure at default given default (“LGD”) and exposure at default (“EAD”)
(“EAD”) yang mempertimbangkan informasi masa lalu, metrics which consider past, current, and future
terkini, dan masa mendatang. Untuk menentukan information. To determine the expected credit loss,
kerugian kredit ekspektasian, komponen-komponen these components are multiplied together and
ini akan diperhitungkan secara bersama-sama discounted to the financial statement date using the
dan didiskontokan ke tanggal laporan keuangan effective interest rate as the discount rate.
menggunakan tingkat diskonto berdasarkan suku
bunga efektif.
Pengukuran kerugian kredit ekspektasian di seluruh The measurement of expected credit losses across
tahapan aset diperlukan untuk mencerminkan jumlah all stages is required to reflect an unbiased and
yang tidak bias dan rata-rata probabilitas tertimbang probability weighted amount that is determined by
yang ditentukan dengan mengevaluasi serangkaian evaluating a range of reasonably possible outcomes
kemungkinan yang dapat terjadi menggunakan using reasonable and supportable information about
informasi yang wajar dan dapat didukung dengan past events, current conditions and forecasts of future
peristiwa di masa lampau, kondisi saat ini dan proyeksi economic conditions.
terkait dengan kondisi ekonomis di masa depan.
Probability of Default (“PD”) Probability of Default (“PD”)
PD adalah probabilitas yang timbul di suatu waktu di PD is the probability at a point in time that
mana debitur mengalami gagal bayar, dikalibrasikan a counterparty will default, calibrated over up to
sampai dengan periode 12 bulan dari tanggal laporan 12 months from the reporting date (Stage 1) or over the
(Stage 1) atau sepanjang umur (Stage 2 dan 3) dan lifetime of the product (Stage 2 and 3) and
digabungkan pada dampak faktor ekonomi masa incorporating the impact of forward-looking economic
depan yang memiliki risiko kredit. PD diestimasikan factors that have an effect on credit risk. PD is
pada point in time di mana hal ini berfluktuasi sejalan estimated at a point in time that means it will fluctuate
dengan siklus ekonomi. in line with the economic cycle.
Loss Given Default (“LGD”) Loss Given Default (“LGD”)
LGD adalah kerugian yang diperkirakan akan timbul LGD is the loss that is expected to arise on default,
dari debitur yang mengalami gagal bayar dengan incorporating the impact of relevant forward looking
menggabungkan dampak dari faktor ekonomi economic factors (if any), which represents the
masa depan yang relevan (jika ada) di mana hal ini difference between the contractual cash flows due and
mewakili perbedaan antara arus kas kontraktual those that the Bank expects to receive. The Bank
yang akan jatuh tempo dengan arus kas yang estimates LGD based on the historical recovery rates
diharapkan untuk diterima. Bank mengestimasikan and considers the recovery of any collateral that is
LGD berdasarkan data historis dari tingkat pemulihan integral to the financial assets, taking into account
dan memperhitungkan pemulihan yang berasal forward looking economic factors if relevant.
dari jaminan terhadap aset keuangan dengan
mempertimbangkan faktor ekonomi di masa depan jika
relevan.
Exposure at Default (“EAD”) Exposure at Default (“EAD”)
EAD adalah perkiraan nilai eksposur neraca pada EAD is the expected balance sheet exposure at the time
saat gagal bayar dengan mempertimbangkan bahwa of default, taking into account that expected change in
perubahan ekspektasi yang diharapkan selama exposure over the lifetime of the exposure. Bank also
masa eksposur. Bank juga menggabungkan dampak incorporates the impact of drawdowns of committed
penarikan fasilitas yang committed pembayaran pokok facilities, repayments of principal and interest,
dan bunga, amortisasi dan pembayaran dipercepat, amortisation and prepayments, together with the
bersama dengan dampak faktor ekonomi masa depan impact of forward-looking economic factors where
jika relevan. relevant.
36
Page 544
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
p. Identifikasi dan Pengukuran Kerugian Penurunan Nilai p. Identification and Measurement of Impairment Losses
(Lanjutan) (Continued)
Aset Keuangan (Lanjutan) Financial Assets (Continued)
Kerugian kredit ekspektasian 12 bulan (Stage 1) 12-month expected credit losses (Stage 1)
Kerugian kredit ekspektasian diakui pada saat Expected credit losses are recognized at the time of
pengakuan awal aset keuangan dan initial recognition of a financial asset and represent
merepresentasikan kekurangan kas sepanjang the lifetime cash shortfalls arising from possible
umur aset yang timbul dari kemungkinan gagal default events up to twelve months into the future
bayar di masa yang akan datang dalam kurun from the reporting date. Expected credit losses
waktu dua belas bulan sejak tanggal pelaporan. continue to be determined on this basis until there is
Kerugian kredit ekspektasian terus ditentukan oleh either a significant increase in the credit risk of an
dasar ini sampai timbul peningkatan risiko kredit yang instrument or the instrument becomes credit-impaired.
signifikan pada instrumen tersebut atau instrumen If an instrument is no longer considered to exhibit
tersebut telah mengalami penurunan nilai kredit. Jika a significant increase in credit risk, expected credit
suatu instrumen tidak lagi dianggap menunjukkan losses will revert to being determined on a 12-month
peningkatan risiko kredit yang signifikan, maka basis.
kerugian kredit ekspektasian dihitung kembali
berdasarkan basis dua belas bulan.
Peningkatan risiko kredit yang signifikan (Stage 2) Significant increase in credit risk (Stage 2)
Jika aset keuangan mengalami peningkatan risiko If a financial asset experiences a significant increase in
kredit yang signifikan (“SICR”) sejak pengakuan awal, credit risk (“SICR”) since initial recognition, an expected
kerugian kredit ekspektasian diakui atas kejadian credit loss provision is recognized for default events
gagal bayar yang mungkin terjadi sepanjang umur aset. that may occur over the life of the asset. Significant
Peningkatan signifikan dalam risiko kredit dinilai increase in credit risk is assessed by comparing the
dengan membandingkan risiko gagal bayar atas risk of default of an exposure at the reporting date to
eksposur pada tanggal pelaporan dengan risiko gagal the risk of default at origination (after taking into
bayar saat pengakuan awal (setelah memperhitungkan account the passage of time). Whether a change in the
perjalanan waktu dari akun tersebut). Perubahan atas risk of default is significant or not is assessed using a
risiko gagal bayar dinilai signifikan atau tidak, dinilai number of quantitative and qualitative factors, the
menggunakan sejumlah faktor kuantitatif dan weight of which depends on the type of product and
kualitatif, yang bobotnya bergantung pada tipe produk counterparty. Financial assets that are 30 or more days
dan pihak lawan. Aset keuangan dengan tunggakan past due and not credit-impaired is considered to have
30 hari atau lebih dan tidak mengalami penurunan nilai experienced a significant increase in credit risk.
dianggap telah mengalami peningkatan risiko kredit
yang signifikan.
Eksposur yang mengalami penurunan nilai kredit atau Credit impaired (or defaulted) exposures (Stage 3)
gagal bayar (Stage 3)
Aset hanya akan dianggap mengalami penurunan nilai An asset is only considered credit impaired and
dan kerugian kredit ekspektasian sepanjang umurnya lifetime expected credit losses recognized, if there
diakui, jika terdapat bukti objektif penurunan nilai is observed objective evidence of impairment.
yang dapat diobservasi. Indikator atas bukti objektif Indicators of objective evidence of impairment
penurunan nilai termasuk, antara lain aset gagal bayar includes, among other factors, assets in default or
atau mengalami kesulitan keuangan yang signifikan experiencing significant financial difficulty, or
atau mengalami forbearance atas kredit yang experiencing forbearance on impaired credit
mengalami penurunan nilai (disebut sebagai ‘aset (mentioned as ‘Stage 3 asset’). Financial assets that
Stage 3’). Aset keuangan yang mengalami penurunan are credit impaired (or in default) represent those
nilai (atau gagal bayar) merupakan aset yang that are at least 90 days past due in respect of
setidaknya telah memiliki tunggakan lebih dari 90 hari principal and/or interest or has certain credit grades
atas pokok dan/atau bunga atau memiliki peringkat (default). Financial assets are also considered to be
kredit tertentu (default). Aset keuangan juga dianggap credit impaired where the debtors are unlikely to pay
mengalami penurunan nilai kredit di mana debitur on the occurrence of one or more observable events
kemungkinan besar tidak akan membayar dengan that have a detrimental impact on the estimated future
terjadinya satu atau lebih kejadian yang teramati yang cash flows of the financial asset. Loss provisions
memiliki dampak menurunkan jumlah estimasi arus against credit impaired financial assets are determined
kas masa depan dari aset keuangan tersebut. based on an assessment of the recoverable cash
Cadangan kerugian penurunan nilai terhadap aset flows under a range of scenarios, including the
keuangan yang mengalami penurunan nilai ditentukan realisation of any collateral held where appropriate.
berdasarkan penilaian terhadap arus kas yang dapat
dipulihkan berdasarkan sejumlah skenario, termasuk
realisasi jaminan yang dimiliki jika memungkinkan.
37
Page 545
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
p. Identifikasi dan Pengukuran Kerugian Penurunan Nilai p. Identification and Measurement of Impairment Losses
(Lanjutan) (Continued)
Aset Keuangan (Lanjutan) Financial Assets (Continued)
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 awal diganti or modified or the original financial assets are
dengan yang baru karena kesulitan keuangan replaced with new ones due to the borrower’s financial
peminjam, maka dilakukan penilaian apakah aset difficulties, an assessment is made whether
keuangan awal harus dihentikan pengakuannya recognition of original financial assets must be
dan kerugian kredit ekspektasian diukur sebagai derecognized and expected credit losses measured as
berikut: follows:
i. Jika restrukturisasi tidak mengakibatkan i. If the restructuring does not result in the
penghentian pengakuan aset awal, maka arus kas derecognition of original assets, then the
yang diperkirakan yang timbul dari aset keuangan estimated cash flows arising from the modified
yang dimodifikasi dimasukkan dalam perhitungan financial assets are included in the calculation of
kekurangan kas dari aset awal. cash shortages of original assets.
ii. Jika restrukturisasi akan menghasilkan penghentian ii. If the restructuring will result in a derecognition of
pengakuan aset awal, maka nilai wajar aset baru the original assets, the fair value of the new asset
diperlakukan sebagai arus kas akhir dari aset is treated as the final cash flow of the original
keuangan awal pada saat penghentian financial assets at the time of derecognition.
pengakuannya.
Penyajian Penyisihan Kerugian Kredit Ekspektasian Presentation of Allowance for Expected Credit Losses
dalam Laporan Posisi Keuangan in Statement of Financial Position
Penyisihan kerugian kredit ekspektasian disajikan Allowance for expected credit losses is presented in
dalam laporan posisi keuangan sebagai berikut: the statement of financial position as follows:
i. Aset keuangan yang diukur pada biaya perolehan i. Financial assets measured at amortized cost,
diamortisasi, penyisihan kerugian kredit allowance for expected credit losses is presented
ekspektasian disajikan sebagai pengurang dari as a deduction from the gross carrying amount of
jumlah tercatat bruto aset; the asset;
ii. Instrumen utang yang diukur pada nilai wajar ii. Debt instruments measured at fair value through
melalui penghasilan komprehensif lain penyisihan other comprehensive income, allowance for
kerugian kredit ekspektasian disajikan pada expected credit losses is presented in other
penghasilan komprehensif lain; comprehensive income;
iii. Komitmen pinjaman dan kontrak jaminan iii. Loan commitments and financial guarantee
keuangan, penyisihan kerugian kredit ekspektasian contracts, allowance for expected credit losses is
disajikan sebagai provisi pada liabilitas lain-lain. presented as a provision in other liabilities.
Pemulihan Aset Keuangan yang Dihapusbukukan Recoveries of Written-off Financial Assets
Ketika kredit yang diberikan tidak tertagih, maka akan When a loan is uncollectible, it is written-off against the
dihapusbukukan dengan menjurnal balik cadangan related allowance for impairment loss. Such loans are
kerugian penurunan nilai. Kredit yang diberikan written-off after all the necessary procedures have
tersebut dapat dihapus buku setelah semua prosedur been completed and the amount of the loss has been
yang diperlukan telah dilakukan dan jumlah kerugian determined.
telah ditentukan.
Pemulihan aset keuangan yang dihapusbukukan pada The recoveries of written-off financial assets in the
tahun berjalan dikreditkan dengan menyesuaikan current year are credited by adjusting the allowance for
akun cadangan kerugian penurunan nilai. Pemulihan impairment losses accounts. Recoveries of written-off
aset keuangan yang dihapusbukukan pada tahun financial assets from previous years are recorded as
sebelumnya dicatat sebagai pendapatan operasional operational income other than interest income.
selain pendapatan bunga.
38
Page 546
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
p. Identifikasi dan Pengukuran Kerugian Penurunan Nilai p. Identification and Measurement of Impairment Losses
(Lanjutan) (Continued)
Penurunan Nilai Aset Nonkeuangan Impairment of Non-financial Assets
Nilai tercatat dari aset yang bukan aset keuangan The carrying amounts of the Bank’s nonfinancial
Bank, kecuali aset pajak tangguhan, ditelaah setiap assets, other than deferred tax assets, are reviewed
tanggal pelaporan untuk menentukan apakah terdapat at each reporting date to determine whether there is
indikasi penurunan nilai. Jika indikasi tersebut ada, any indication of impairment. If any such indication
maka nilai yang dapat dipulihkan dari aset tersebut exists, the asset’s recoverable amount is estimated.
akan diestimasi. Jumlah terpulihkan adalah adalah The recoverable amount is the higher of an asset’s
nilai yang lebih tinggi antara nilai wajar dikurang biaya (or cash generating unit’s) fair value less costs to
untuk menjual dengan nilai pakai aset (atau unit sell and its value in use. Recoverable amounts are
penghasil kas). Jumlah terpulihkan diestimasi untuk estimated for individual assets or, if it is not possible,
aset individual atau, jika tidak memungkinkan, untuk for the cash-generating unit to which the asset
unit penghasil kas yang mana aset tersebut belongs.
merupakan bagian daripada unit tersebut.
Dalam menilai nilai pakai, estimasi arus kas masa In assessing value in use, the estimated future cash
depan didiskontokan ke nilai kini menggunakan tingkat flows are discounted to their present value using
diskonto sebelum pajak yang menggambarkan a pre-tax discount rate that reflects current market
penilaian pasar kini dari nilai waktu uang dan risiko assessments of the time value of money and the risks
spesifik atas aset yang mana estimasi arus kas masa specific to the asset for which the estimates of future
depan belum disesuaikan. cash flows have not been adjusted.
Bank menentukan cadangan kerugian penurunan nilai The Bank determines allowance for impairment losses
atas agunan yang diambil alih berdasarkan pada nilai on foreclosed assets based on the lower between the
yang lebih rendah antara nilai tercatat dan nilai bersih carrying amount and their net realizable value.
yang dapat direalisasi (net realizable value).
Cadangan kerugian penurunan nilai diakui pada tahun Allowance for impairment losses recognized in prior
sebelumnya dinilai pada setiap tanggal pelaporan year are assessed at each reporting date for any
untuk melihat adanya indikasi bahwa kerugian telah indications that the loss has decreased or no longer
menurun atau tidak ada lagi. Kerugian penurunan exists. An impairment loss is reversed if there has been
nilai dijurnal balik jika terdapat perubahan estimasi a change in the estimates used to determine the
yang digunakan dalam menentukan nilai yang dapat recoverable amount.
dipulihkan.
q. Simpanan dari Nasabah, Simpanan dari Bank Lain dan q. Deposits from Customers, Deposits from Other Banks
Pinjaman yang Diterima and Borrowings
Simpanan dari nasabah merupakan liabilitas kepada Deposits from customers are liabilities to customers
nasabah dalam bentuk giro, tabungan dan deposito in the form of current deposits, savings deposits and
berjangka. time deposits.
Simpanan dari bank lain merupakan liabilitas kepada Deposits from other banks are liabilities to other
bank lain dalam bentuk giro, tabungan, dan deposito banks in the form of current deposits, savings
berjangka dengan periode jatuh tempo menurut deposits and time deposits with maturities of each
perjanjian masing-masing. agreement.
Pinjaman yang diterima merupakan dana yang diterima Borrowings are funds received from other banks
dari bank lain dengan kewajiban pembayaran sesuai with payment obligation based on borrowings
dengan perjanjian pinjaman. agreement.
Pada saat pengakuan awal simpanan dari nasabah, At initial recognition, deposits from customers,
simpanan dari bank lain dan pinjaman yang diterima deposits from other banks and borrowings are
diukur sebesar nilai wajar dikurangi dengan biaya measured at fair value net of transaction costs directly
transaksi yang dapat diatribusikan secara langsung, attributable to the deposits and are measured
dan selanjutnya diukur sebesar biaya perolehan yang subsequently at amortized costs using the effective
diamortisasi menggunakan metode suku bunga efektif. interest rate method.
39
Page 547
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
r. Liabilitas Imbalan Pascakerja r. Post-employment Benefits Liabilities
Imbalan kerja jangka pendek Short-term employee benefits
Imbalan kerja jangka pendek merupakan upah, gaji Short-term employee benefits are in the form of wages,
dan iuran jaminan sosial (Jamsostek). Imbalan kerja salaries and social security (Jamsostek) contributions.
jangka pendek diakui sebesar jumlah yang tak Short-term employee benefits are recognized at its
terdiskonto sebagai liabilitas pada laporan posisi undiscounted amount as a liability after deducting
keuangan setelah dikurangi dengan jumlah yang any amount that is already paid in the statement of
telah dibayar dan sebagai beban pada laporan laba financial position and as an expense in the statement
rugi dan penghasilan komprehensif lain tahun of profit or loss and other comprehensive income in
berjalan. the current year.
Imbalan pascakerja Post-employment benefits
Bank mengakui liabilitas imbalan pascakerja kepada The Bank recognizes post-employment benefits
karyawan sesuai dengan ketentuan minimum di dalam liabilities to its employees in accordance with the
Peraturan Pemerintah No. 35 Tahun 2021 yang minimum requirement in the Government Regulation
mengatur mengenai pelaksanaan dari Undang-Undang No. 35 Year 2021 which regulates the implementation
No. 11 Tahun 2020 tentang “Cipta Kerja” yang telah of Law No. 11 Year 2020 on “Job Creation” which has
diganti dengan Undang-Undang No. 6 Tahun 2023 been replaced by Law No. 6 Year 2023 on “Stipulation
tentang “Penetapan Peraturan Pemerintah Pengganti of Government Regulation in Lieu of Law No. 2 Year
Undang-Undang No. 2 Tahun 2022 tentang Cipta Kerja 2022 on Job Creation into Law”.
menjadi Undang-Undang”.
Liabilitas atau aset imbalan pasti bersih adalah The net defined benefit liability or asset is the
keseluruhan nilai kini dari kewajiban imbalan pasti aggregate of the present value of the defined benefit
pada akhir periode pelaporan dikurangi dengan nilai obligation at the end of the reporting period reduced
wajar dari aset program (jika ada), disesuaikan untuk by the fair value of plan assets (if any), adjusted for
setiap dampak atas pembatasan aset imbalan pasti any effect of limiting a net defined benefit asset to the
bersih ke batas atas aset. asset ceiling.
Batas atas aset merupakan nilai kini dari manfaat The asset ceiling is the present value of any economic
ekonomis yang tersedia dalam bentuk pengembalian benefits available in the form of refunds from the plan
dana dari program atau pengurangan kontribusi masa or reductions in future contributions to the plan.
depan untuk program tersebut.
Menurut PSAK No. 219, beban imbalan dalam program According to PSAK No. 219, the cost of providing
imbalan pasti secara aktuarial ditentukan dengan benefits under the defined benefit plans is actuarially
menggunakan projected unit credit. determined using the projected unit credit method.
(i) Biaya jasa; (i) Service cost;
(ii) Bunga bersih atas liabilitas atau aset bersih; (ii) Net interest on the net defined benefit liability or
asset;
(iii) Pengukuran kembali liabilitas atau aset bersih. (iii) Remeasurements of net defined benefit liability or
asset.
Biaya jasa terdiri atas biaya jasa kini, biaya jasa lalu Service costs include current service costs, past service
dan keuntungan atau kerugian atas penyelesaian yang costs and gains or losses on nonroutine settlements
diakui sebagai beban dalam laporan laba rugi dan which are recognized as expense in statement of
penghasilan komprehensif lain. Biaya jasa lalu diakui profit or loss and other comprehensive income. Past
ketika amandemen atau kurtailmen program terjadi service costs are recognized when plan amendment
atau ketika Bank mengakui biaya restrukturisasi or curtailment occurs or when the Bank recognizes
terkait atau pesangon, mana yang lebih awal. Jumlah related restructuring costs or termination benefits,
ini dihitung secara berkala oleh aktuaris independen. whichever is earlier. These amounts are calculated
periodically by independent qualified actuaries.
40
Page 548
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
r. Liabilitas Imbalan Pascakerja (Lanjutan) r. Post-employment Benefits Liabilities (Continued)
Imbalan pascakerja (Lanjutan) Post-employment benefits (Continued)
Pengukuran kembali terdiri atas keuntungan dan Remeasurements comprising actuarial gains and
kerugian aktuarial, imbal hasil atas aset program losses, return on plan assets and any change in the
dan setiap perubahan atas dampak batas atas aset effect of the asset ceiling (excluding net interest on net
(tidak termasuk bunga bersih atas liabilitas imbalan defined benefit liability) are recognized immediately in
pasti bersih) diakui langsung dalam penghasilan other comprehensive income in the period in which
komprehensif lain pada periode terjadinya. they arise. Remeasurements are not reclassified to
Pengukuran kembali tidak direklasifikasi ke laba rugi profit or loss in subsequent periods.
pada periode berikutnya.
s. Saham Treasuri s. Treasury Stock
Ketika Bank membeli modal saham ekuitas (saham When the Bank purchases the equity share capital
treasuri), imbalan yang dibayar, termasuk biaya (treasury stock), the consideration paid, including
tambahan yang secara langsung dapat diatribusikan any directly attributable incremental costs (net of
(dikurangi pajak penghasilan) dikurangkan dari ekuitas income taxes) is deducted from equity attributable
yang diatribusikan kepada pemilik ekuitas Bank to the Bank’s equity holders until the shares are
sampai saham tersebut dibatalkan atau diterbitkan cancelled or reissued. Where such ordinary shares are
kembali. Ketika saham biasa tersebut selanjutnya subsequently reissued, any consideration received, net
diterbitkan kembali, imbalan yang diterima, dikurangi of any directly attributable incremental transaction
biaya tambahan transaksi yang terkait dan dampak costs and the related income tax effects, is included in
pajak penghasilan yang terkait dimasukkan kepada equity attributable to the Bank’s equity holders.
ekuitas yang dapat diatribusikan kepada pemilik
ekuitas Bank.
t. Beban Emisi Saham t. Shares Issuance Costs
Beban emisi saham yang terjadi sehubungan dengan Shares issuance costs related to the public offering
penawaran saham kepada masyarakat (termasuk of shares (including preemptive rights issue) are
penerbitan hak memesan efek terlebih dahulu) deducted from the proceeds and presented as
dikurangkan langsung dari hasil emisi dan disajikan a deduction from the “Additional Paid-in Capital”
sebagai pengurang pada akun “Tambahan Modal account, as part of Equity section in the statement of
Disetor”, sebagai bagian dari Ekuitas pada laporan financial position.
posisi keuangan.
u. Laba (Rugi) per Saham Dasar u. Earnings (Loss) per Share
Laba (rugi) per saham dasar dihitung dengan membagi Basic earnings (loss) per share is computed by dividing
laba (rugi) tahun berjalan dengan rata-rata tertimbang profit (loss) for the current year with the weighted
jumlah saham yang beredar selama tahun berjalan. average number of outstanding shares during the year.
Bank tidak memiliki instrumen dilutif yang berpotensi As of December 31, 2025 and 2024, there are no
pada penerbitan saham biasa pada tanggal dilutive instruments which could result in the issuance
31 Desember 2025 dan 2024. Oleh karenanya, laba of ordinary shares. Therefore, diluted earnings per
per saham dilusian tidak dihitung dan disajikan pada share is equivalent to the basic earnings per share.
laporan laba rugi dan penghasilan komprehensif lain.
v. Pendapatan dan Beban Bunga v. Interest Income and Expense
Pendapatan dan beban bunga untuk semua instrumen Interest income and expense for all interest-bearing
keuangan yang dikenakan suku bunga diakui pada financial instruments are recognized in profit or loss
laporan laba rugi dengan menggunakan metode suku using the effective interest rate method (Note 2.f.vi).
bunga efektif (Catatan 2.f.vi).
Kredit yang diberikan yang pembayaran angsuran Loans which their principal and interest have been past
pokok atau bunganya telah lewat 90 hari atau lebih due for 90 days or more, or where reasonable doubt
setelah jatuh tempo, atau yang pembayarannya secara exist as to the timely collection, are generally as
tetap waktu diragukan, secara umum diklasifikasikan impaired loans.
sebagai kredit yang mengalami penurunan nilai
(impairment).
41
Page 549
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
v. Pendapatan dan Beban Bunga (Lanjutan) v. Interest Income and Expense (Continued)
Pada saat debitur menunggak lebih dari 90 hari, Bank When the debtor is overdue for more than 90 days, the
berpendapat bahwa terdapat kemungkinan bahwa Bank believes that there is a possibility that it will not
Bank tidak menerima kembali pendapatan tersebut. receive back the income. Therefore, the Bank reverses
Oleh karena itu, Bank melakukan jurnal balik the recognition of interest income.
pengakuan pendapatan bunga.
Seluruh penerimaan kas atas kredit yang diberikan All cash receipts from loans classified as less
yang diklasifikasikan sebagai kurang lancar, diragukan substandard, doubtful or loss are applied as a
atau macet, diakui terlebih dahulu sebagai pengurang reduction to the principal first. The excess of cash
pokok kredit. Kelebihan penerimaan kas di atas pokok receipts over the outstanding principal is recognized as
kredit diakui sebagai pendapatan bunga dalam laporan interest income in the current year statement of profit
laba rugi dan penghasilan komprehensif lain tahun or loss and other comprehensive income.
berjalan.
w. Pendapatan dan Beban Provisi dan Komisi w. Commissions Income and Expenses and Fees
Pendapatan dan beban provisi dan komisi yang Commission income and expense and fees associated
terkait dengan perolehan instrumen keuangan with the acquisition of financial instruments classified
diklasifikasikan sebagai biaya perolehan diamortisasi as at amortized cost and FVTOCI are recorded as part
dan FVTOCI dicatat sebagai bagian dari nilai wajar of the fair value of financial assets or financial liabilities
aset atau liabilitas keuangan dan diamortisasi sesuai and amortized over the time period using the effective
dengan jangka waktunya dengan menggunakan suku interest rate.
bunga efektif.
Provisi dan komisi lainnya yang tidak terkait dengan Other fees and commissions that are not related to the
kegiatan perolehan instrumen keuangan dan jangka acquisition or issuance of financial instrument and
waktu tertentu yang jumlahnya signifikan, dan have maturity terms in which amounts are significant,
diamortisasi menggunakan metode garis lurus sesuai are deferred and amortized using the straight-line
dengan jangka waktu instrumen keuangan yang method over the term of the related financial
bersangkutan. Sedangkan, pendapatan dan beban instruments. Meanwhile, other fees income and
provisi dan komisi lainnya yang tidak signifikan expenses and other commissions that are not
langsung diakui sebagai pendapatan atau beban pada significant are recognized immediately as income or
tanggal transaksi. expenses on the transaction date.
x. Segmen Operasi x. Operating Segment
Informasi segmen disusun sesuai dengan kebijakan Segment information is prepared using the accounting
akuntansi untuk penyusunan dan penyajian laporan policies adopted for preparing and presenting the
keuangan. Bank melaporkan informasi segmen financial statements. The Bank reports segment
berdasarkan segmen geografis sesuai kebijakan information based on geographical segment in
pelaporan internal Bank. accordance with the Bank’s internal reporting policy.
Sebuah segmen geografis dikelompokan di dalam A geographical segment is grouped within a particular
lingkungan ekonomi tertentu yang memiliki risiko dan economic environment that are subject to similar risks
tingkat pengembalian yang serupa, tetapi berbeda and return, which different from other geographical
dengan segmen geografis lainnya yang berada dalam segment in other economic environments.
lingkungan ekonomi lain.
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI 3. MANAGEMENT USE OF JUDGMENTS, ESTIMATES AND
MANAJEMEN ASSUMPTIONS
Beberapa estimasi dan asumsi-asumsi dibuat dalam Certain estimates and assumptions are made in the
rangka penyusunan laporan keuangan di mana dibutuhkan preparation of the financial statements. These often
pertimbangan manajemen dalam menentukan metodologi require management judgment in determining the
yang tepat untuk penilaian aset dan liabilitas. appropriate methodology for valuation of assets and
liabilities.
Manajemen membuat estimasi dan asumsi yang Management makes estimates and assumptions that
berimplikasi pada pelaporan nilai aset dan liabilitas atas affect the reported amounts of assets and liabilities within
tahun keuangan satu tahun ke depan. Semua estimasi dan the next financial year. All estimates and assumptions
asumsi yang diharuskan oleh SAK adalah estimasi terbaik required in conformity with SAK are best estimates
yang didasarkan standar yang berlaku. undertaken in accordance with the applicable standard.
42
Page 550
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI 3. MANAGEMENT USE OF JUDGMENTS, ESTIMATES AND
MANAJEMEN (Lanjutan) ASSUMPTIONS (Continued)
Estimasi dan pertimbangan dievaluasi secara terus menerus, Estimates and judgments are evaluated continuously, and
dan berdasarkan pengalaman masa lalu dan faktor-faktor based on past experience and other factors, including
lain, termasuk harapan atas kejadian yang akan datang. expectations with regard to future events.
Walaupun estimasi dan asumsi ini dibuat berdasarkan Although these estimates and assumption are made by
pengetahuan terbaik manajemen atas kejadian dan tindakan management’s best knowledge of current events and
saat ini, hasil yang timbul mungkin berbeda dengan estimasi activities, actual result may differ from those estimates and
dan asumsi semula. assumption.
Pengungkapan ini melengkapi pengungkapan pada This disclosure supplements the disclosure on financial
manajemen risiko keuangan (Catatan 32). risk management (Note 32).
Pertimbangan Judgments
Pertimbangan-pertimbangan berikut dibuat oleh manajemen The following judgments are made by management in
dalam proses penerapan kebijakan akuntansi Bank yang the process of applying the Bank’s accounting policies
memiliki dampak yang paling signifikan terhadap jumlah- that have the most significant effects on the amounts
jumlah yang diakui dalam laporan keuangan: recognized in the financial statements:
Klasifikasi aset keuangan dan liabilitas keuangan Classification of financial assets and financial liabilities
Bank menentukan klasifikasi aset dan liabilitas tertentu The Bank determines the classifications of certain assets
sebagai aset keuangan dan liabilitas keuangan dengan and liabilities as financial assets and financial liabilities
menilai apakah telah memenuhi definisi yang ditetapkan by assessing whether they meet the definition that is
dalam PSAK No. 109. Aset keuangan dan liabilitas determined in PSAK No. 109. Accordingly, the financial
keuangan dicatat sesuai dengan kebijakan akuntansi assets and financial liabilities are accounted for in
Bank sebagaimana diungkapkan dalam Catatan 2.f.(i). accordance with the Bank’s accounting policies as
disclosed in Note 2.f.(i).
Estimasi dan Asumsi Estimates and Assumptions
Asumsi utama mengenai masa depan dan sumber utama The key assumptions concerning the future and other key
lain dalam mengestimasi ketidakpastian pada tanggal source of estimation uncertainty at the reporting date
pelaporan yang mempunyai risiko signifikan yang dapat that have a significant risk causing a material adjustment
menyebabkan penyesuaian material terhadap nilai tercatat to the carrying amounts of assets and liabilities within the
aset dan liabilitas dalam periode berikutnya diungkapkan di next financial period are disclosed below.
bawah ini.
Bank mendasarkan asumsi dan estimasi pada parameter The Bank based its assumptions and estimates on
yang tersedia saat laporan keuangan disusun. Kondisi yang available parameters when the financial statements were
ada dan asumsi mengenai perkembangan masa depan prepared. Existing circumstances and assumptions about
dapat berubah karena perubahan situasi pasar yang berada future developments may change due to market changes
di luar kendali Bank. Perubahan tersebut tercermin dalam in circumstances arising beyond the control of the Bank.
asumsi ketika keadaan tersebut terjadi. Such changes are reflected in the assumptions when they
occurred.
a. Estimasi masa manfaat aset tetap dan aset a. Estimated useful lives of fixed assets and intangible
takberwujud assets
Masa manfaat dari masing-masing aset tetap dan aset The estimated useful lives of each item of the Bank’s
takberwujud Bank diestimasi berdasarkan jangka fixed assets and intangible assets are estimated based
waktu aset tersebut diharapkan tersedia untuk on the period over which the asset is expected to be
digunakan. Estimasi tersebut didasarkan pada available for used. Such estimation is based on a
penilaian kolektif berdasarkan bidang usaha yang collective assessment of similar business, internal
sama, evaluasi teknis internal dan pengalaman dengan technical evaluation and experience with similar
aset sejenis. assets.
Estimasi masa manfaat setiap aset ditelaah secara The estimated useful life of each asset is reviewed
berkala dan diperbarui jika estimasi berbeda dari periodically and updated if expectations differ from
perkiraan sebelumnya yang disebabkan karena previous estimates due to physical wear and tear,
pemakaian, usang secara teknis atau komersial serta technical or commercial obsolescence, and legal or
keterbatasan hak atau pembatasan lainnya terhadap other limits on the use of the asset.
penggunaan aset.
43
Page 551
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI 3. MANAGEMENT USE OF JUDGMENTS, ESTIMATES AND
MANAJEMEN (Lanjutan) ASSUMPTIONS (Continued)
Estimasi dan Asumsi (Lanjutan) Estimates and Assumptions (Continued)
a. Estimasi masa manfaat aset tetap dan aset a. Estimated useful lives of fixed assets and intangible
takberwujud (Lanjutan) assets (Continued)
Dengan demikian, hasil operasi di masa mendatang Therefore, it is possible that future result of operations
mungkin dapat terpengaruh secara signifikan oleh could be materially affected by changes in the amounts
perubahan dalam jumlah dan waktu terjadinya biaya and timing of recorded expenses brought about by
karena perubahan yang disebabkan oleh faktor-faktor changes in the factors mentioned above.
yang disebutkan di atas.
Penurunan estimasi masa manfaat ekonomis setiap A reduction in the estimated useful lives would
aset tetap akan menyebabkan kenaikan beban increase the recorded depreciation and amortization
penyusutan dan amortisasi dan penurunan nilai expenses and decrease the carrying amount of these
tercatat aset. assets.
b. Cadangan kerugian penurunan nilai aset keuangan b. Allowance for impairment of financial assets
Aset keuangan tertentu dievaluasi penurunan nilainya Certain financial assets are evaluated for impairment
berdasarkan ketentuan yang dijelaskan di Catatan 2.p. on a basis described in Note 2.p.
Cadangan kerugian penurunan nilai terkait dengan The specific counterparty component of the total
pihak lawan spesifik dalam seluruh cadangan kerugian allowances for impairment applies to claims evaluated
penurunan nilai dibentuk atas tagihan yang penurunan individually for impairment and is based upon
nilainya dievaluasi secara individual berdasarkan management’s best estimate of the present value of
estimasi terbaik manajemen atas nilai tunai arus kas the cash flows that are expected to be received. In
yang diharapkan akan diterima. Dalam mengestimasi estimating these cash flows, management makes
arus kas ini, manajemen membuat pertimbangan judgments about the counterparty’s financial situation
mengenai kondisi keuangan dari pihak lawan dan nilai and the net realizable value of any underlying
bersih yang dapat direalisasi dari agunan yang collateral. Each impaired asset is assessed on its
diterima. Setiap aset yang mengalami penurunan nilai merits, and the workout strategy and estimate of cash
dievaluasi, dan strategi penyelesaiannya serta estimasi flows considered recoverable are independently
arus kas yang dinilai dapat diperoleh kembali secara approved by the Credit Recovery and Asset
independen disetujui oleh Departemen Pemulihan Management Department.
Kredit dan Manajemen Aset.
Evaluasi cadangan kerugian penurunan nilai secara Collectively assessed impairment allowances cover
kolektif meliputi kerugian kredit yang melekat pada credit losses inherent in portfolios of claims with similar
portofolio tagihan dengan karakteristik ekonomi yang economic characteristics when there is objective
serupa ketika terdapat bukti objektif bahwa telah evidence to suggest that they contain impaired claims,
terjadi penurunan nilai tagihan dalam portofolio but the individual impaired items cannot yet be
tersebut namun penurunan nilai secara individu belum identified. In assessing the need for collective loan loss
dapat diidentifikasi. Dalam menentukan perlunya allowances, management considers factors such as
membentuk cadangan kerugian penurunan nilai kredit credit quality, portfolio size, credit concentrations and
secara kolektif, manajemen mempertimbangkan economic factors.
faktor-faktor seperti kualitas kredit, besarnya
portofolio, konsentrasi kredit dan faktor-faktor
ekonomi.
Dalam mengestimasi cadangan yang dibutuhkan, To estimate the required allowance, assumptions are
asumsi-asumsi dibuat untuk menentukan model made to define the way inherent losses are modeled
kerugian bawaan dan untuk menentukan parameter and to determine the required input parameters, based
input yang diperlukan, berdasarkan pengalaman on historical experience and current economic
historis dan kondisi ekonomi saat ini. conditions.
Ketepatan dari cadangan ini tergantung pada seberapa The accuracy of the allowances depends on how well
tepat estimasi arus kas masa depan untuk the estimated future cash flows are determined for
menentukan cadangan individual serta asumsi model specific counterparty allowances and the model
dan parameter yang digunakan dalam menentukan assumptions and parameters used in determining
cadangan kolektif. collective allowances.
44
Page 552
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
3. PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI 3. MANAGEMENT USE OF JUDGMENTS, ESTIMATES AND
MANAJEMEN (Lanjutan) ASSUMPTIONS (Continued)
Estimasi dan Asumsi (Lanjutan) Estimates and Assumptions (Continued)
c. Imbalan pascakerja c. Post-employment benefits
Penentuan liabilitas imbalan pascakerja dipengaruhi The determination of the post-employment benefits
oleh asumsi tertentu yang digunakan oleh Bank dalam liabilities depends on the selection of certain
menghitung jumlah tersebut. assumptions used by the Bank in calculating such
amounts.
Asumsi-asumsi tersebut dijelaskan dalam Catatan 25 Those assumptions are described in Note 25 and
dan mencakup, antara lain, tingkat diskonto dan include, among others, discount rate and salary
tingkat kenaikan gaji. Hasil aktual yang berbeda increment rate. Actual results that differ from the
dengan asumsi Bank diakumulasi dan diamortisasi ke Bank’s assumptions are accumulated and amortized
masa depan dan oleh karena itu, secara umum over future periods and therefore, generally affect the
berdampak pada beban yang diakui dan liabilitas yang recognized expense and recorded liabilities in such
tercatat pada periode-periode mendatang. future periods.
Manajemen berkeyakinan bahwa asumsi-asumsi yang Management believes that the Bank’s assumptions
digunakan adalah tepat dan wajar, namun demikian, are reasonable and appropriate, however, significant
perbedaan signifikan pada hasil aktual, atau differences in actual experience or significant changes
perubahan signifikan dalam asumsi-asumsi tersebut in assumptions may significantly affect the amount of
dapat berdampak signifikan pada jumlah liabilitas post-employment benefit liabilities.
imbalan pascakerja.
Nilai tercatat cadangan imbalan pasti pascakerja The carrying value of post-employment benefit
diungkapkan pada Catatan 25. liabilities is disclosed in Note 25.
d. Aset pajak tangguhan d. Deferred tax assets
Aset pajak tangguhan diakui untuk semua perbedaan Deferred tax assets are recognized for all temporary
temporer jika besar kemungkinan bahwa jumlah laba differences to the extent that it is probable that taxable
fiskal akan memadai untuk pemanfaatan perbedaan profit will be available against which the temporary
temporer yang diakui. differences can be utilized.
Estimasi manajemen yang signifikan diperlukan untuk Significant management estimates are required to
menentukan jumlah aset pajak tangguhan yang diakui determine the amount of deferred tax assets that can
berdasarkan kemungkinan waktu terealisasinya dan be recognized based upon the likely timing and the
jumlah laba kena pajak pada masa mendatang serta level of future taxable profits together with future tax
strategi perencanaan pajak masa depan. planning strategies.
Aset pajak tangguhan diungkapkan pada Catatan 24d. The deferred tax assets are disclosed in Note 24d.
e. Penurunan nilai aset nonkeuangan e. Impairment of non-financial assets
Penelaahan atas penurunan nilai dilakukan apabila Impairment review is performed when certain
terdapat indikasi-indikasi penurunan nilai aset impairment indicators are present. Determining the
tertentu. Penentuan nilai wajar aset membutuhkan fair value of assets requires the estimation of cash
estimasi arus kas yang diharapkan akan dihasilkan dari flows expected to be generated from the continuing use
pemakaian berkelanjutan dan pelepasan akhir atas and ultimate disposition of such assets.
aset tersebut.
Perubahan signifikan dalam asumsi-asumsi yang Any significant changes in the assumptions used in
digunakan untuk menentukan nilai wajar dapat determining the fair value may materially affect the
berdampak signifikan pada nilai terpulihkan dan assessment of recoverable amount and any resulting
jumlah kerugian penurunan nilai yang terjadi mungkin impairment loss could have a material impact on
berdampak material pada hasil operasi Bank. results of operations.
Nilai tercatat aset nonkeuangan berupa aset tetap dan The carrying amount of these non-financial assets
aset takberwujud masing-masing diungkapkan pada which are fixed assets and intangible assets are
Catatan 10 dan 11. disclosed in Notes 10 and 11, respectively.
45
Page 553
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
4. KAS 4. CASH
Kas terdiri dari: Cash consists of:
2 0 25 2 0 24
Rupiah 38.869 49.613 Rupiah
Mata uang asing: Foreign currency:
Dolar Amerika Serikat 39.805 20.670 United States Dollar
Jumlah 78.674 70.283 Total
Pada tanggal 31 Desember 2025 dan 2024, saldo kas As of December 31, 2025 and 2024, the cash balance is
diasuransikan terhadap risiko perampokan kepada insured against the risk of robbery to PT Asuransi Umum
PT Asuransi Umum BCA dan PT Asuransi Bina Dana Arta BCA and PT Asuransi Bina Dana Arta Tbk with insured
Tbk dengan nilai pertanggungan masing-masing sebesar value of Rp723,205 and Rp297,610, respectively. The
Rp723.205 dan Rp297.610. Perusahaan asuransi insurance companies are third parties.
tersebut merupakan pihak ketiga.
Manajemen Bank berpendapat bahwa nilai pertanggungan The management of the Bank believes that the insurance
tersebut cukup untuk menutupi kemungkinan kerugian coverage is adequate to cover possible losses arising from
dari risiko tersebut. such risks.
5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK INDONESIA
2025 2024
Rupiah 833.985 713.509 Rupiah
Mata uang asing: Foreign currency:
Dolar Amerika Serikat 383.525 344.433 United States Dollar
Jumlah 1.217.510 1.057.942 Total
Suku bunga rata-rata untuk giro pada Bank Indonesia The average interest rates for current accounts with Bank
dalam mata uang Rupiah dan mata uang asing disajikan Indonesia in Rupiah and foreign currencies are disclosed
dalam Catatan 32. in Note 32.
Giro Wajib Minimum (GWM) Bank sesuai dengan The Bank’s Minimum Statutory Reserves (GWM) Bank
Peraturan Bank Indonesia dan Peraturan Anggota Dewan in accordance with Bank Indonesia Regulation and
Gubernur (PADG) diungkapkan pada Catatan 35a (tidak Regulation of Members of The Board of Governors (PADG)
diaudit). are disclosed in Note 35a (unaudited).
6. GIRO PADA BANK LAIN 6. CURRENT ACCOUNTS WITH OTHER BANKS
Giro pada bank lain berdasarkan mata uang dan pihak Current accounts with other banks by currencies and
di mana Bank menempatkan dananya adalah sebagai parties where the Bank places its funds are as follows:
berikut:
2025 2024
Pihak berelasi Related party
Mata uang asing Foreign currencies
Won Korea Selatan South Korean Won
Industrial Bank of Korea 1.139 - Industrial Bank of Korea
Pihak ketiga Third party
Rupiah Rupiah
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 20.696 11.744 (Persero) Tbk
PT Bank Central Asia Tbk 12.862 7.193 PT Bank Central Asia Tbk
PT Bank Mandiri (Persero) Tbk 878 871 PT Bank Mandiri (Persero) Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 347 345 (Persero) Tbk
PT Bank Sinarmas Tbk 24 24 PT Bank Sinarmas Tbk
PT Bank CIMB Niaga Tbk 20 20 PT Bank CIMB Niaga Tbk
PT Bank Multiarta Sentosa Tbk 2 - PT Bank Multiarta Sentosa Tbk
Subjumlah 34.829 20.197 Sub-total
46
Page 554
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
6. GIRO PADA BANK LAIN (Lanjutan) 6. CURRENT ACCOUNTS WITH OTHER BANKS (Continued)
2025 2024
Pihak ketiga (Lanjutan) Third party (Continued)
Mata uang asing Foreign currencies
Dolar Amerika Serikat United States Dollar
JP Morgan Chase Bank, N.A. 281.487 330.124 JP Morgan Chase Bank, N.A.
PT Bank Mandiri (Persero) Tbk 26.321 24.149 PT Bank Mandiri (Persero) Tbk
PT Bank Central Asia Tbk 21.039 38.876 PT Bank Central Asia Tbk
The Bank of New York The Bank of New York
Mellon Corporation 3.235 27.127 Mellon Corporation
PT Bank Permata Tbk 843 812 PT Bank Permata Tbk
PT Bank UOB Indonesia 65 62 PT Bank UOB Indonesia
Subjumlah 332.990 421.150 Sub-total
Euro Euro
J.P. Morgan SE 21.297 31.988 J.P. Morgan SE
Dolar Singapura Singapore Dollar
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 2.081 1.902 (Persero) Tbk
Yuan Tiongkok Chinese Yuan
Bank of China (Hong Kong) Bank of China (Hong Kong)
Limited 669 124 Limited
Subjumlah 357.037 455.164 Sub-total
Jumlah 393.005 475.361 Total
Cadangan kerugian penurunan nilai (239) (239) Allowance for impairment losses
Jumlah - bersih 392.766 475.122 Total - net
Pada tanggal 31 Desember 2025 dan 2024, giro As of December 31, 2025 and 2024, current accounts
pada bank lain yang dijaminkan untuk kartu kredit with other banks pledged as collaterals for the Bank
manajemen Bank dan ATM bersama pada PT Bank management’s credit cards and ATM Bersama to PT Bank
Negara Indonesia (Persero) Tbk dan PT Bank Rakyat Negara Indonesia (Persero) Tbk and PT Bank Rakyat
Indonesia (Persero) Tbk masing-masing sebesar Rp455 Indonesia (Persero) Tbk amounted to Rp455 and Rp451,
dan Rp451. respectively.
Manajemen berpendapat bahwa jumlah cadangan Management believes that the allowance for impairment
kerugian penurunan nilai telah memadai. losses is adequate.
Perubahan nilai tercatat bruto adalah sebagai berikut: The movements in the gross carrying amount are as
follows:
2025
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 475.361 - - 475.361 Beginning balance
Aset baru 1.141 - - 1.141 New assets originated
Aset dihentikan
pengakuannya atau
dilunasi selama Assets derecognized or
tahun berjalan repaid during the year
(kecuali hapus buku) - - - - (exclude write off)
Pengukuran kembali (83.497) - - (83.497) Remeasurement
Saldo akhir 393.005 - - 393.005 Ending balance
47
Page 555
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
6. GIRO PADA BANK LAIN (Lanjutan) 6. CURRENT ACCOUNTS WITH OTHER BANKS (Continued)
2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 549.342 - - 549.342 Beginning balance
Aset baru 124 - - 124 New assets originated
Aset dihentikan
pengakuannya atau
dilunasi selama Assets derecognized or
tahun berjalan repaid during the year
(kecuali hapus buku) - - - - (exclude write off)
Pengukuran kembali (74.105) - - (74.105) Remeasurement
Saldo akhir 475.361 - - 475.361 Ending balance
Perubahan cadangan kerugian penurunan nilai adalah The movements in the allowance for impairment losses are
sebagai berikut: as follows:
2025
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 239 - - 239 Beginning balance
Aset baru - - - - New assets originated
Aset dihentikan
pengakuannya atau
dilunasi selama Assets derecognized or
tahun berjalan repaid during the year
(kecuali hapus buku) - - - - (exclude write off)
Pengukuran kembali - - - - Remeasurement
Saldo akhir 239 - - 239 Ending balance
2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 489 - - 489 Beginning balance
Aset baru - - - - New assets originated
Aset dihentikan
pengakuannya atau
dilunasi selama Assets derecognized or
tahun berjalan repaid during the year
(kecuali hapus buku) - - - - (exclude write off)
Pengukuran kembali (250) - - (250) Remeasurement
Saldo akhir 239 - - 239 Ending balance
Suku bunga rata-rata untuk giro pada bank lain dalam The average interest rates for current accounts with other
mata uang Rupiah dan mata uang asing disajikan dalam banks in Rupiah and foreign currencies are disclosed in
Catatan 32. Note 32.
Kolektibilitas giro pada bank lain sesuai dengan Peraturan The collectibility of current accounts with other banks in
Otoritas Jasa Keuangan (POJK), diungkapkan pada Catatan accordance with Financial Services Authority Regulation
35b (tidak diaudit). (POJK) is disclosed in Note 35b (unaudited).
48
Page 556
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
7. PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN 7. PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other banks by type
berdasarkan jenis dan mata uang: and currency:
2025 2024
Rupiah Rupiah
Deposit Facility Deposit Facility
Bank Indonesia - 105.685 Bank Indonesia
Call Loans Call Loans
PT Bank OCBC NISP Tbk 300.000 - PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk 185.000 - PT Bank Central Asia Tbk
PT Bank Permata Tbk - 200.000 PT Bank Permata Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk - 200.000 (Persero) Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk - 150.000 (Persero) Tbk
Jumlah 485.000 655.685 Total
Pada tanggal 31 Desember 2025 dan 2024, tidak terdapat As of December 31, 2025 and 2024, there were no
penempatan pada Bank Indonesia dan bank lain yang placements with Bank Indonesia and other banks which
dibatasi penggunaannya atau digunakan sebagai jaminan. are restricted or used as collaterals.
Pada tanggal 31 Desember 2025 dan 2024, tidak terdapat As of December 31, 2025 and 2024, there were no
penempatan ke pihak berelasi. placements to related party.
Pada tanggal 31 Desember 2025 dan 2024, tidak terdapat As of December 31, 2025 and 2024, there were no
penempatan pada Bank Indonesia dan bank lain yang impairment losses in respect of placements with Bank
mengalami penurunan nilai. Indonesia and other banks.
Pada tanggal 31 Desember 2025 dan 2024, penempatan As of December 31, 2025 and 2024, placements with
pada Bank Indonesia dan bank lain memiliki jatuh tempo Bank Indonesia and other banks have maturity and
dan sisa umur hingga jatuh tempo sampai dengan 1 bulan. remaining period to maturity up to 1 month.
Suku bunga rata-rata untuk penempatan pada Bank The average interest rates for placements with Bank
Indonesia dan bank lain diungkapkan dalam Catatan 32. Indonesia and other banks are disclosed in Note 32.
Kolektibilitas penempatan pada Bank Indonesia dan bank The collectibility of placements with Bank Indonesia
lain sesuai dengan Peraturan Otoritas Jasa Keuangan and other banks in accordance with Financial Services
(POJK), diungkapkan pada Catatan 35c (tidak diaudit). Authority Regulation (POJK) is disclosed in Note 35c
(unaudited).
8. EFEK-EFEK 8. SECURITIES
Efek-efek berdasarkan jenis dan mata uang adalah Securities by type and currency are as follows:
sebagai berikut:
2025 2024
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Rupiah Rupiah
Obligasi Pemerintah 980.354 1.345.253 Government Bonds
Sekuritas Rupiah Bank Indonesia
Bank Indonesia 1.281.830 269.463 Rupiah Securities
Subjumlah 2.262.184 1.614.716 Sub-total
49
Page 557
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
8. EFEK-EFEK (Lanjutan) 8. SECURITIES (Continued)
2025 2024
Biaya perolehan diamortisasi Amortized cost
Rupiah Rupiah
Obligasi Pemerintah 738.573 737.657 Government bonds
Obligasi Korporasi dan Corporate and
bank lain 87.000 117.000 other banks bonds
Wesel tagih 5.944 9.136 Exports drafts
Subjumlah 831.517 863.793 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Wesel tagih 3.345 8.479 Export drafts
Jumlah 3 . 097. 0 4 6 2.486.988 Total
Cadangan kerugian Allowance for
penurunan nilai (125) (168) impairment losses
Jumlah - bersih 3.096.921 2.486.820 Total - net
Efek-efek berdasarkan jatuh tempo dan suku bunga Securities by maturity and interest rate are as follows:
adalah sebagai berikut:
2025
Jenis/ Tanggal jatuh tempo/ Suku bunga per tahun/
Type Maturity date Annual interest rate
Nilai wajar melalui Fair value through
penghasilan other comprehensive
komprehensif lain income
Pemerintah Obligasi/Bonds (FR 0058) Juni 2032/June 2032 8,25% Government
Obligasi/Bonds (FR 0059) Mei 2027/May 2027 7,00%
Obligasi/Bonds (FR 0062) April 2042/April 2042 6,38%
Obligasi/Bonds (FR 0064) Mei 2028/May 2028 6,13%
Obligasi/Bonds (FR 0065) Mei 2033/May 2033 6,63%
September 2030/
Obligasi/Bonds (FR 0082) 7,00%
September 2030
Obligasi/Bonds (FR 0086) April 2026/April 2026 5,50%
Obligasi/Bonds (FR 0090) April 2027/April 2027 5,13%
Obligasi/Bonds (FR 0091) April 2032/April 2032 6,38%
Agustus 2028/
Obligasi/Bonds (FR 0095) 6,38%
August 2028
Februari 2033/
Obligasi/Bonds (FR 0096) 7,00%
February 2033
Februari 2034/
Obligasi/Bonds (FR 0100) 6,63%
February 2034
November 2026/
Obligasi/Bonds (SRBI 01) 4,67%
November 2026
Oktober 2026/
Obligasi/Bonds (SRBI 02) 4,65%
October 2026
September 2026/
Obligasi/Bonds (SRBI 03) 4,63%
September 2026
Obligasi/Bonds (SRBI 04) Juli 2026/July 2026 4,71%
Maret 2026/
Obligasi/Bonds (SRBI 05) 4,62%
March 2026
Januari 2026/
Obligasi/Bonds (SRBI 06) 5,60%
January 2026
Obligasi/Bonds (SRBI 07) Juni 2026/June 2026 4,67%
Obligasi/Bonds (SRBI 08) Juni 2026/June 2026 4,62%
Obligasi/Bonds (SRBI 09) Juni 2026/June 2026 4,60%
Obligasi/Bonds (SRBI 10) Juni 2026/June 2026 4,70%
Obligasi/Bonds (SRBI 11) April 2026/April 2026 4,74%
Obligasi/Bonds (SRBI 12) April 2026/April 2026 4,68%
Maret 2026/
Obligasi/Bonds (SRBI 13) 4,62%
March 2026
Maret 2026/
Obligasi/Bonds (SRBI 14) 4,63%
March 2026
Maret 2026/
Obligasi/Bonds (SRBI 15) 4,62%
March 2026
Maret 2026/
Obligasi/Bonds (SRBI 16) 4,61%
March 2026
Februari 2026/
Obligasi/Bonds (SRBI 17) 4,61%
February 2026
Februari 2026/
Obligasi/Bonds (SRBI 18) 4,53%
February 2026
Januari 2026/
Obligasi/Bonds (SRBI 19) 4,70%
January 2026
50
Page 558
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
8. EFEK-EFEK (Lanjutan) 8. SECURITIES (Continued)
Efek-efek berdasarkan jatuh tempo dan suku bunga Securities by maturity and interest rate are as follows:
adalah sebagai berikut: (Lanjutan) (Continued)
2025 (Lanjutan/Continued)
Jenis/ Tanggal jatuh tempo/ Suku bunga per tahun/
Type Maturity date Annual interest rate
Januari 2026/
Obligasi/Bonds (SRBI 20) 4,65%
January 2026
Januari 2026/
Obligasi/Bonds (SRBI 21) 4,65%
January 2026
Januari 2026/
Obligasi/Bonds (SRBI 22) 4,63%
January 2026
Januari 2026/
Obligasi/Bonds (SRBI 23) 4,62%
January 2026
Januari 2026/
Obligasi/Bonds (SRBI 24) 4,62%
January 2026
Januari 2026/
Obligasi/Bonds (SRBI 25) 4,60%
January 2026
Januari 2026/
Obligasi/Bonds (SRBI 26) 4,60%
January 2026
Januari 2026/
Obligasi/Bonds (SRBI 27) 4,61%
January 2026
Biaya perolehan
diamortisasi Amortized cost
Pemerintah 0bligasi/Bonds (FR 0064) Mei 2028/May 2028 6,13% Government
Obligasi/Bonds (FR 0065) Mei 2033/May 2033 6,63%
Februari 2026/
Obligasi/Bonds (FR 0084) 7,25%
February 2026
Obligasi/Bonds (FR 0086) April 2026/April 2026 5,50%
Februari 2031/
Obligasi/Bonds (FR 0087) 6,50%
February 2031
Obligasi/Bonds (FR 0091) April 2032/April 2032 6,38%
Februari 2033/
Obligasi/Bonds (FR 0096) 7,00%
February 2033
Korporasi dan Obligasi Berwawasan Lingkungan Juli 2027/July 2027 6,45% Corporate and
bank lain Berkelanjutan I Bank BRI Tahap other banks
I Tahun 2022 Seri C/
Sustainable Environmental
Insight I Bank BRI Phase I 2022
Series C Bonds
Obligasi Berwawasan Lingkungan Juni 2026/June 2026 6,20%
Berkelanjutan V Pegadaian
Tahap III Tahun 2023 Seri B/
Sustainable Environmental
Insight V Pegadaian Phase III
2023 Series B Bonds
Obligasi Berwawasan Lingkungan Desember 2028/ 5,45%
Berkelanjutan I Bank Mandiri December 2028
Tahap I Tahun 2025 Seri C/
Sustainable Environmental
Insight I Bank Mandiri Phase I
2025 Series C Bonds
Efek lainnya Wesel tagih/Export drafts Beragam/Various Beragam/Various Other securities
2024
Jenis/ Tanggal jatuh tempo/ Suku bunga per tahun/
Type Maturity date Annual interest rate
Nilai wajar melalui Fair value through
penghasilan other comprehensive
komprehensif lain income
Pemerintah Obligasi/Bonds (VR 0033) April 2025/April 2025 6,04% Government
Obligasi/Bonds (FR 0058) Juni 2032/June 2032 8,25%
Obligasi/Bonds (FR 0059) Mei 2027/May 2027 7,00%
Obligasi/Bonds (FR 0062) April 2042/April 2042 6,38%
Obligasi/Bonds (FR 0064) Mei 2028/May 2028 6,13%
Obligasi/Bonds (FR 0065) Mei 2033/May 2033 6,63%
Obligasi/Bonds (FR 0078) Mei 2029/May 2029 8,25%
Obligasi/Bonds (FR 0081) Juni 2025/June 2025 6,50%
September 2030/
Obligasi/Bonds (FR 0082) 7,00%
September 2030
Obligasi/Bonds (FR 0086) April 2026/April 2026 5,50%
Februari 2031/
Obligasi/Bonds (FR 0087) 6,50%
February 2031
Obligasi/Bonds (FR 0090) April 2027/April 2027 5,13%
Obligasi/Bonds (FR 0091) April 2032/April 2032 6,38%
Agustus 2028/
Obligasi/Bonds (FR 0095) 6,38%
August 2028
Februari 2033/
Obligasi/Bonds (FR 0096) 7,00%
February 2033
51
Page 559
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
8. EFEK-EFEK (Lanjutan) 8. SECURITIES (Continued)
Efek-efek berdasarkan jatuh tempo dan suku bunga Securities by maturity and interest rate are as follows:
adalah sebagai berikut: (Lanjutan) (Continued)
2024 (Lanjutan/Continued)
Jenis/ Tanggal jatuh tempo/ Suku bunga per tahun/
Type Maturity date Annual interest rate
Februari 2034/
Obligasi/Bonds (FR 0100) 6,63%
February 2034
Obligasi/Bonds (SRBI 01) April 2025/April 2025 7,26%
Obligasi/Bonds (SRBI 02) Juni 2025/June 2025 7,38%
Maret 2025/
Obligasi/Bonds (SRBI 03) 7,30%
March 2025
Obligasi/Bonds (SRBI 04) Juli 2025/July 2025 7,54%
Obligasi/Bonds (SRBI 05) Juli 2025/July 2025 7,14%
Maret 2025/
Obligasi/Bonds (SRBI 06) 7,08%
March 2025
Januari 2025/
Obligasi/Bonds (SRBI 07) 6,85%
January 2025
Februari 2025/
Obligasi/Bonds (SRBI 08) 6,83%
February 2025
Januari 2025/
Obligasi/Bonds (SRBI 09) 6,82%
January 2025
Obligasi/Bonds (SRBI 10) Mei 2025/May 2025 7,25%
Biaya perolehan
diamortisasi Amortized cost
Pemerintah 0bligasi/Bonds (FR 0064) Mei 2028/May 2028 6,13% Government
Obligasi/Bonds (FR 0065) Mei 2033/May 2033 6,63%
Februari 2026/
Obligasi/Bonds (FR 0084) 7,25%
February 2026
Obligasi/Bonds (FR 0086) April 2026/April 2026 5,50%
Februari 2031/
Obligasi/Bonds (FR 0087) 6,50%
February 2031
Obligasi/Bonds (FR 0091) April 2032/April 2032 6,38%
Februari 2032/
Obligasi/Bonds (FR 0096) 7,00%
February 2032
Korporasi dan Obligasi Berwawasan Juli 2027/July 2027 6,45% Corporate and
bank lain Lingkungan Berkelanjutan I other banks
Bank BRI Tahap I Tahun 2022
Seri C/
Sustainable Environmental
Insight I Bank BRI Phase I
2022 Series C Bonds
Obligasi Berwawasan Juni 2026/June 2026 6,20%
Lingkungan Berkelanjutan V
Pegadaian Tahap III Tahun
2023 Seri B/
Sustainable Environmental
Insight V Pegadaian Phase III
2023 Series B Bonds
Obligasi Berwawasan Oktober 2025/ 6,35%
Lingkungan Berkelanjutan I October 2025
Bank BRI Tahap II Tahun
2023 Seri B/
Sustainable Environmental
Insight I Bank BRI Phase II
2023 Series B Bonds
Efek lainnya Wesel tagih/Export drafts Beragam/Various Beragam/Various Other securities
Efek-efek diperingkat oleh PT Pemeringkat Efek Indonesia Securities are rated by PT Pemeringkat Efek Indonesia
(PT Pefindo). Peringkat obligasi korporasi adalah sebagai (PT Pefindo). Rating of corporate securities are as follows:
berikut:
2025 2 0 24
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk idAAA idAAA (Persero) Tbk
PT Pegadaian (Persero) idAAA idAAA PT Pegadaian (Persero)
PT Bank Mandiri (Persero) Tbk idAAA - PT Bank Mandiri (Persero) Tbk
52
Page 560
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
8. EFEK-EFEK (Lanjutan) 8. SECURITIES (Continued)
Efek-efek berdasarkan sisa umur hingga jatuh tempo: Securities by remaining period until maturity:
2 0 25 2 0 24
Rupiah Rupiah
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
≤ 1 tahun 1.329.936 420.215 ≤ 1 year
> 1 tahun 932.248 1.194.501 > 1 year
Biaya perolehan diamortisasi Amortized cost
≤ 1 tahun 79.293 97.615 ≤ 1 year
> 1 tahun 755.569 774.657 > 1 year
Jumlah 3.097.046 2.486.988 Total
Cadangan kerugian Allowance for
penurunan nilai (125) (168) impairment losses
Jumlah - bersih 3.096.921 2.486.820 Total - net
Mutasi perubahan nilai wajar melalui penghasilan Movements in fair value through other comprehensive
komprehensif lain adalah sebagai berikut: income are as follows:
2 0 25 2 0 24
Saldo awal (28.876) (16.247) Beginning balance
Keuntungan (kerugian) yang
belum direalisasi 59.506 (16.191) Unrealized gain (loss)
Reklasifikasi ke laba/rugi (9.602) - Reclassified to profit or loss
Manfaat (beban) pajak tangguhan (10.979) 3.562 Deferred tax benefit (expense)
Saldo akhir 10.049 (28.876) Ending balance
Mutasi perubahan nilai tercatat bruto adalah sebagai Movements in the gross carrying amount are as follows:
berikut:
2 0 25 2 0 24
Saldo awal 2.486.988 2.193.289 Beginning balance
Aset baru 1.341.119 316.616 New assets
Aset dihentikan pengakuannya
atau jatuh tempo selama Assets derecognized or
tahun berjalan (kecuali hapus matured during the year
buku) (773.302) (11.566) (excluding write-off)
Pengukuran kembali 42.241 (11.351) Remeasurement
Saldo akhir 3.097.046 2.486.988 Ending balance
Pengukuran kembali terdiri dari mutasi nilai wajar yang Remeasurement consist of movement of fair value
dicatat pada penghasilan komprehensif lain, mutasi recorded in other comprehensive income, movements of
premium/diskonto yang belum diamortisasi, dan selisih unamortized premium/discount, and foreign exchange
kurs mata uang asing. differences.
53
Page 561
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
8. EFEK-EFEK (Lanjutan) 8. SECURITIES (Continued)
Mutasi perubahan cadangan kerugian penurunan nilai Movements in the allowance for impairment losses are as
adalah sebagai berikut: follows:
2 0 25 2 0 24
Saldo awal 168 245 Beginning balance
Aset baru 72 - New assets
Aset dihentikan pengakuannya
atau jatuh tempo selama Assets derecognized or
tahun berjalan (kecuali hapus matured during the year
buku) - 12 (excluding write-off)
Pengukuran kembali (115) (89) Remeasurement
Saldo akhir 125 168 Ending balance
Suku bunga rata-rata untuk efek-efek diungkapkan dalam The average interest rates for securities are disclosed in
Catatan 32. Note 32.
Kolektibilitas efek-efek sesuai dengan Peraturan Otoritas The collectibility of securities in accordance with Financial
Jasa Keuangan (POJK), diungkapkan pada Catatan 35d Services Authority Regulation (POJK) is disclosed in
(tidak diaudit). Note 35d (unaudited).
9. KREDIT YANG DIBERIKAN 9. LOANS
Berdasarkan jenis dan mata uang: By type and currency:
2 0 25 2 0 24
Pihak berelasi Related parties
Rupiah Rupiah
Konsumsi 2.348 1.946 Consumer
Pihak ketiga Third parties
Rupiah Rupiah
Modal kerja 6.358.268 5.341.470 Working capital
Investasi 2.094.457 1.560.486 Investment
Konsumsi 67.199 43.218 Consumer
Subjumlah 8.519.924 6.945.174 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Modal kerja 4.181.582 3.297.994 Working capital
Investasi 1.765.566 1.461.047 Investment
Konsumsi 946 1.583 Consumer
Subjumlah 5.948.094 4.760.624 Sub-total
Jumlah pihak ketiga 14.468.018 11.705.798 Total third parties
Jumlah 14.470.366 11.707.744 Total
Cadangan kerugian Allowance for
penurunan nilai (236.736) (200.633) impairment losses
Jumlah - bersih 14.233.630 11.507.111 Total - net
54
Page 562
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
9. KREDIT YANG DIBERIKAN (Lanjutan) 9. LOANS (Continued)
Berdasarkan sektor ekonomi: By economic sector:
2025 2024
Industri pengolahan 7.745.596 6.497.791 Processing industry
Perdagangan, perhotelan, Trading, hotel,
dan restoran 1.644.419 1.233.517 and restaurant
Transportasi, pergudangan, Transportation, warehousing,
dan komunikasi 1.459.483 1.442.314 and communication
Konstruksi 881.107 439.038 Construction
Pertambangan 751.166 396.811 Mining
Pertanian, perburuan, dan Agriculture, hunting, and
sarana pertanian 398.376 299.002 agriculture facilities
Jasa-jasa dunia usaha 292.176 234.506 Business services
Jasa-jasa sosial 192.456 21.983 Social services
Lain-lain 1.105.587 1.142.782 Others
Jumlah 14.470.366 11.707.744 Total
Cadangan kerugian Allowance for
penurunan nilai (236.736) (200.633) impairment losses
Jumlah - bersih 14.233.630 11.507.111 Total - net
Berdasarkan sisa umur dan jangka waktu perjanjian kredit: By remaining period and term of the loan agreement:
2025 2 0 24
Berdasarkan Berdasarkan
sisa umur Berdasarkan sisa umur Berdasarkan
jatuh tempo/ periode jatuh tempo/ periode
By remaining perjanjian/ By remaining perjanjian/
period until By loan period until By loan
maturity Period maturity period
Rupiah: Rupiah:
≤ 1 tahun 4.547.751 1.861.743 3.355.480 2.038.496 ≤ 1 year
1-2 tahun 390.590 2.689.037 503.594 1.338.644 1-2 years
2-5 tahun 2.465.158 1.477.130 2.457.012 2.056.991 2-5 years
> 5 tahun 1.118.773 2.494.362 631.034 1.512.989 > 5 years
Jumlah Rupiah 8.522.272 8.522.272 6.947.120 6.947.120 Total Rupiah
Mata uang asing: Foreign currency:
Dolar Amerika Serikat United States Dollar
≤ 1 tahun 3.742.887 1.801.988 2.838.174 1.697.545 ≤ 1 year
1-2 tahun 76.935 1.661.698 351.638 1.114.353 1-2 years
2-5 tahun 979.229 719.665 880.096 886.911 2-5 years
> 5 tahun 1.149.043 1.764.743 690.716 1.061.815 > 5 years
Jumlah mata uang asing 5.948.094 5.948.094 4.760.624 4.760.624 Total foreign currency
Jumlah kredit 14.470.366 14.470.366 11.707.744 11.707.744 Total loans
Cadangan kerugian Allowance for
penurunan nilai (236.736) (236.736) (200.633) (200.633) impairment losses
Jumlah - bersih 14.233.630 14.233.630 11.507.111 11.507.111 Total - net
55
Page 563
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
9. KREDIT YANG DIBERIKAN (Lanjutan) 9. LOANS (Continued)
Pada tanggal 31 Desember 2025 dan 2024, saldo kredit As of December 31, 2025 and 2024, the gross loan
bruto dan cadangan kerugian penurunan nilai yang balances and allowance for impairment losses that are
dievaluasi secara individu dan kolektif adalah sebagai assessed for individual and collective impairment are as
berikut: follows:
2025 2 0 24
Kredit yang dievaluasi secara Loans assessed for
individual: individual impairment:
Nilai tercatat bruto 563.732 631.275 Gross carrying amount
Cadangan kerugian Allowance for
penurunan nilai (173.338) (147.920) impairment losses
Subjumlah - bersih 390.394 483.355 Sub-total - net
Kredit yang dievaluasi secara Loans assessed for
kolektif: collective impairment:
Nilai tercatat bruto 13.906.634 11.076.469 Gross carrying amount
Cadangan kerugian Allowance for
penurunan nilai (63.398) (52.713) impairment losses
Subjumlah - bersih 13.843.236 11.023.756 Sub-total - net
Jumlah 14.233.630 11.507.111 Total
Manajemen berpendapat bahwa jumlah cadangan The management believes that the amount of allowance
kerugian penurunan nilai yang telah dibentuk adalah for impairment losses is adequate to cover the potential
cukup untuk menutupi kerugian yang mungkin timbul losses arising from uncollectible loans.
sebagai akibat tidak tertagihnya kredit yang diberikan.
Perubahan nilai tercatat bruto adalah sebagai berikut: The movements in the gross carrying amount are as
follows:
202 5
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 10.788.994 689.320 229.430 11.707.744 Beginning balance
Aset baru 3.337.739 9.726 741 3.348.206 New assets
Aset dihentikan
pengakuannya atau Assets derecognized or
dilunasi selama tahun repaid during the
berjalan (kecuali year (excluding
hapus buku) (551.396) (4.451) (29.737) (585.584) write-off)
Transfer ke Tahap 1 - - - - Transfer to Stage 1
Transfer ke Tahap 2 (51.163) 51.163 - - Transfer to Stage 2
Transfer ke Tahap 3 (8.488) (68.370) 76.858 - Transfer to Stage 3
Saldo akhir 13.515.686 6 7 7. 3 8 8 2 77 . 2 9 2 14.470.366 Ending balance
202 4
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 8.253.280 997.928 139.331 9.390.539 Beginning balance
Aset baru 4.007.123 139.019 - 4.146.142 New assets
Aset dihentikan
pengakuannya atau Assets derecognized
dilunasi selama tahun or repaid during
berjalan (kecuali the year (excluding
hapus buku) (1.466.896) (306.457) (54.164) (1.827.517) write-off)
Transfer ke Tahap 1 12.233 (12.233) - - Transfer to Stage 1
Transfer ke Tahap 2 (9.428) 9.428 - - Transfer to Stage 2
Trasnfer ke Tahap 3 (7.318) (138.365) 145.683 - Transfer to Stage 3
Penghapusbukuan - - (1.420) (1.420) Write-off
Saldo akhir 10.788.994 689.320 229.430 11.707.744 Ending balance
56
Page 564
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
9. KREDIT YANG DIBERIKAN (Lanjutan) 9. LOANS (Continued)
Perubahan cadangan kerugian penurunan nilai atas kredit The movements in the allowance for impairment losses on
yang diberikan adalah sebagai berikut: loans are as follows:
202 5
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 39.746 84.545 76.342 200.633 Beginning balance
Aset baru 33.257 81.828 1.427 116.512 New assets
Aset dihentikan
pengakuannya atau Assets derecognized or
dilunasi selama tahun repaid during the
berjalan (kecuali hapus year (excluding
buku) (22.615) (48.933) (6.931) (78.479) write-off)
Transfer ke Tahap 1 1.213 - - 1.213 Transfer to Stage 1
Transfer ke Tahap 2 (925) 12.167 (1.873) 9.369 Transfer to Stage 2
Transfer ke Tahap 3 (1.790) (26.041) 15.319 (12.512) Transfer to Stage 3
Saldo akhir 48.886 1 03 . 5 6 6 8 4 . 2 84 236.736 Ending balance
202 4
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 36.571 142.361 50.324 229.256 Beginning balance
Aset baru 17.107 15.240 - 32.347 New assets originated
Aset dihentikan
pengakuannya atau Assets derecognized or
dilunasi selama tahun repaid during the
berjalan (kecuali hapus year (excluding
buku) (5.362) (29.727) (8.760) (43.849) write-off)
Transfer ke Tahap 1 (7.531) (29) - (7.560) Transfer to Stage 1
Transfer ke Tahap 2 (119) (1.104) - (1.223) Transfer to Stage 2
Trasnfer ke Tahap 3 (920) (42.196) 36.198 (6.918) Transfer to Stage 3
Penghapusbukuan - - (1.420) (1.420) Write-off
Saldo akhir 39.746 84.545 76.342 200.633 Ending balance
Kredit sindikasi merupakan kredit yang diberikan kepada Syndicated loans represent loans provided to debtors
debitur berdasarkan perjanjian pembiayaan bersama based on syndication agreements with other banks. As of
dengan bank-bank lain. Pada tanggal 31 Desember 2025 December 31, 2025 and 2024, the Bank’s participation in
dan 2024, keikutsertaan Bank dalam kredit sindikasi syndicated loans as a member of the syndication with
sebagai anggota sindikasi dengan bank-bank lain masing- other banks amounted to Rp1,220,449 and Rp936,531,
masing sebesar Rp1.220.449 dan Rp936.531. respectively.
Informasi lainnya: Other information:
1. Kolektibilitas kredit yang diberikan, kredit yang 1. The collectibility of loans, restructured loans and
direstrukturisasi dan rasio kredit bermasalah sesuai non-performing loans ratio in accordance with
dengan Peraturan Otoritas Jasa Keuangan (POJK), Financial Services Authority Regulation (POJK) is
diungkapkan pada Catatan 35e. disclosed in Note 35e.
2. Suku bunga rata-rata untuk kredit yang diberikan 2. The average interest rates for loans in Rupiah and in
dalam mata uang Rupiah dan dalam mata uang Dolar United States Dollar are disclosed in Note 32.
Amerika Serikat diungkapkan dalam Catatan 32.
3. Lihat Catatan 27 untuk informasi pihak berelasi. 3. See Note 27 for related parties information.
4. Bank memiliki agunan atas kredit yang diberikan 4. The bank have collaterals for the loans disbursed in
dalam bentuk deposito, agunan yang diikat dengan the form of deposits, registered mortgages or power
hak tanggungan atau surat kuasa untuk menjual dan of attorney to sell and collateral in the form of other
jaminan dalam bentuk aset lainnya yang umumnya assets generally acceptable to the Bank.
diterima oleh Bank.
57
Page 565
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
10 . ASET TETAP 10 . FIXED ASSETS
2025
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Penyesuaian/ Ending
balance Additions Deduction Reclassification Adjustment balance
Biaya perolehan Acquisition cost
Kepemilikan langsung Direct ownership
Tanah 14.922 - - - - 14.922 Land
Bangunan 12.918 - - - - 12.918 Buildings
Kendaraan 841 2.714 (132) - - 3.423 Vehicles
Perbaikan aset yang disewa 64.694 3.468 (1.351) - - 66.811 Leasehold improvements
Perlengkapan dan Fixtures and office
peralatan kantor 160.191 8.054 (5.650) - - 162.595 equipment
Subjumlah 253.566 14.236 (7.133) - - 260.669 Sub-total
Aset dalam pembangunan 1.487 - (1.487) - - - Construction in progress
Aset hak-guna 131.998 14.730 (20.757) - - 125.971 Right-of-use assets
Jumlah biaya perolehan 387.051 28.966 (29.377) - - 386.640 Total acquisition cost
Akumulasi penyusutan Accumulated depreciation
Kepemilikan langsung Direct ownership
Bangunan 9.874 276 - - - 10.150 Buildings
Kendaraan 797 57 (132) - - 722 Vehicles
Perbaikan aset yang disewa 45.647 7.498 (976) - - 52.169 Leasehold improvements
Perlengkapan dan Fixtures and office
peralatan kantor 136.007 8.589 (5.559) - - 139.037 equipment
Subjumlah 192.325 16.420 (6.667) - - 202.078 Sub-total
Aset hak-guna 33.937 46.877 (20.757) - - 60.057 Right-of-use assets
Jumlah akumulasi Total accumulated
penyusutan 226.262 63.297 (27.424) - - 262.135 depreciation
Jumlah tercatat 160.789 124.505 Net carrying amount
2024
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Penyesuaian/ Ending
balance Additions Deduction Reclassification Adjustment balance
Biaya perolehan Acquisition cost
Kepemilikan langsung Direct ownership
Tanah 14.922 - - - - 14.922 Land
Bangunan 12.918 - - - - 12.918 Buildings
Kendaraan 833 19 (11) - - 841 Vehicles
Perbaikan aset yang disewa 59.317 5.832 (2.552) 2.097 - 64.694 Leasehold improvements
Perlengkapan dan Fixtures and office
peralatan kantor 151.164 10.164 (1.195) 58 - 160.191 equipment
Subjumlah 239.154 16.015 (3.758) 2.155 - 253.566 Sub-total
Aset dalam pembangunan 2.155 1.487 - (2.155) - 1.487 Construction in progress
Aset hak-guna 149.281 98.834 (116.117) - - 131.998 Right-of-use assets
Jumlah biaya perolehan 390.590 116.336 (119.875) - - 387.051 Total acquisition cost
Akumulasi penyusutan Accumulated depreciation
Kepemilikan langsung Direct ownership
Bangunan 9.595 279 - - - 9.874 Buildings
Kendaraan 767 41 (11) - - 797 Vehicles
Perbaikan aset yang disewa 38.618 9.570 (2.541) - - 45.647 Leasehold improvements
Perlengkapan dan Fixtures and office
peralatan kantor 113.248 23.949 (1.190) - - 136.007 equipment
Subjumlah 162.228 33.839 (3.742) - - 192.325 Sub-total
Aset hak-guna 108.467 41.587 (116.117) - - 33.937 Right-of-use assets
Jumlah akumulasi Total accumulated
penyusutan 270.695 75.426 (119.859) - - 226.262 depreciation
Jumlah tercatat 119.895 160.789 Net carrying amount
58
Page 566
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
10. ASET TETAP (Lanjutan) 10. FIXED ASSETS (Continued)
Penyusutan aset tetap yang dibebankan pada beban Depreciation of fixed assets charged to general and
umum dan administrasi masing-masing sebesar administrative expenses amounted to Rp63,297 and
Rp63.297 dan Rp75.426 pada tanggal 31 Desember Rp75,426 as of December 31, 2025 and 2024,
2025 dan 2024 (Catatan 22). respectively (Note 22).
Rincian penjualan aset tetap adalah sebagai berikut: Details of fixed assets sold are as follows:
2 0 25 2024
Penerimaan dari penjualan Proceeds from sale of
aset tetap 94 89 fixed assets
Jumlah tercatat (466) (16) Net carrying amount
Keuntungan (kerugian) penjualan Gain (loss) on sale of
aset tetap - bersih (372) 73 fixed assets - net
Rincian aset dalam pembangunan pada tanggal Details of construction in progress as of December 31,
31 Desember 2025 dan 2024 adalah sebagai berikut: 2025 and 2024 are as follows:
2 0 25
Persentase Estimasi
penyelesaian/ penyelesaian/
Jumlah/ Percentage of Estimated
Total completion completion
Perbaikan aset Leasehold
yang disewa - 0% - improvements
2 0 24
Persentase Estimasi
penyelesaian/ penyelesaian/
Jumlah/ Percentage of Estimated
Total completion completion
Perbaikan aset Leasehold
yang disewa 1.487 55% 2025 improvements
Manajemen menilai bahwa pada tanggal 31 Desember Management considers that as of December 31, 2025 and
2025 dan 2024: (1) tidak ada aset tetap yang tidak 2024: (1) there are no fixed assets that are not used
dipakai sementara; (2) jumlah tercatat bruto dari setiap temporarily; (2) the gross amount of fixed assets which
aset tetap yang telah disusutkan penuh dan masih have been fully depreciated and are still used amounted
digunakan masing-masing adalah sebesar Rp164.564 dan to Rp164,564 and Rp134,958, respectively; (3) no fixed
Rp134.958; (3) tidak ada aset tetap yang berasal dari assets were derived from the grant; and (4) no fixed assets
hibah; dan (4) tidak ada aset tetap yang dihentikan dari were discontinued from active use and not classified as
penggunaan aktif dan tidak diklasifikasi sebagai tersedia available for sale.
untuk dijual.
Pada tanggal 31 Desember 2025 dan 2024, harga As of December 31, 2025 and 2024, the acquisition
perolehan aset tetap yang dihapusbukukan masing- cost of written-off fixed assets amounting to Rp5,893
masing sebesar Rp5.893 dan Rp3.504 yang terdiri dari and Rp3,504, respectively, consists of fixtures and
perlengkapan dan peralatan kantor serta properti dari office equipment as well as property from leasehold
perbaikan aset yang disewa dikarenakan aset tersebut improvements because the assets were damaged and/or
rusak dan/atau sudah memiliki nilai buku nol. had a zero-book value.
Pada tanggal 31 Desember 2025 dan 2024, aset tetap As of December 31, 2025 and 2024, fixed assets except
kecuali tanah, aset dalam pembangunan dan aset for land, construction in progress and right-of-use-assets
hak-guna diasuransikan terhadap risiko kebakaran dan are covered by insurance against losses by fire and other
risiko kerugian lainnya kepada PT Kalibesar Raya Utama, risks with PT Kalibesar Raya Utama, PT Avrist General
PT Avrist General Insurance, PT Asuransi Sinarmas, Insurance, PT Asuransi Sinarmas, PT Asuransi ABDA,
PT Asuransi ABDA, PT Asuransi MAG, dan PT BCA PT Asuransi MAG, and PT BCA Insurance, third parties,
Insurance, pihak ketiga, dengan nilai pertanggungan with insurance coverage of Rp81,927 and Rp82,406,
masing-masing sebesar Rp81.927 dan Rp82.406. respectively. The management believes that the amount is
Manajemen berpendapat bahwa nilai pertanggungan adequate to cover possible losses from such risks.
tersebut cukup untuk menutupi kemungkinan kerugian
yang akan terjadi.
59
Page 567
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
10. ASET TETAP (Lanjutan) 10. FIXED ASSETS (Continued)
Tanah, bangunan, kendaraan, perbaikan aset yang Land, buildings, vehicles, leasehold improvements, fixtures
disewa, perlengkapan dan peralatan kantor, aset dalam and office equipment, constructions in progress and
pembangunan dan aset hak-guna digunakan untuk right-of-use asset are used for Bank operational purposes.
kegiatan operasional Bank. Tidak terdapat aset tetap yang There is no unused fixed asset and abandoned property.
tidak digunakan dan tidak ada properti terbengkalai.
Berdasarkan penilaian manajemen Bank, tidak ada Based on the assessment of the Bank’s management,
kejadian-kejadian atau perubahan-perubahan keadaan there are no events or changes in circumstances that
yang mengindikasikan adanya penurunan nilai aset tetap indicate any impairment in the value of fixed assets as of
pada tanggal 31 Desember 2025 dan 2024. December 31, 2025 and 2024.
Pada tanggal 31 Desember 2025 dan 2024, Bank memiliki As of December 31, 2025 and 2024, the Bank has
6 sertifikat tanah dan bangunan dalam bentuk Hak Guna acquired 6 land and building certificates in the form of
Bangunan (“HGB”), yang dimiliki atas nama Bank dengan right-of-use building (“HGB”) owned by the Bank and
rincian sebagai berikut: details as follows:
Sertifikat/ Luas tanah (m2)/ Sisa umur/ Lokasi/
Certificate Land area (sq.m) Remaining terms Location
HGB No. 688 38 6 Teluk Betung, Lampung
HGB No. 689 57 6 Teluk Betung, Lampung
HGB No. 690 56 6 Teluk Betung, Lampung
HGB No. 9085 150 9 Pluit, Jakarta Utara
HGB No. 9086 150 9 Pluit, Jakarta Utara
HGB No. 11015 101 10 Cengkareng, Jakarta Barat
Manajemen berpendapat tidak terdapat masalah dengan The management believes that there will be no difficulty
perpanjangan hak atas tanah karena seluruh tanah in the extension of the landrights because all land were
didapatkan secara legal dan didukung oleh bukti obtained legally and supported by valid ownership
kepemilikan yang sah. evidences.
11 . ASET TAKBERWUJUD 11 . INTANGIBLE ASSETS
Aset takberwujud pada tanggal 31 Desember 2025 dan Intangible assets as of December 31, 2025 and 2024, are
2024 terdiri dari: as follows:
2025
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Ending
balance Additions Deduction Balance
Biaya perolehan Acquisition cost
Perangkat lunak 103.415 4.157 (66) 107.506 Software
Akumulasi amortisasi Accumulated amortization
Perangkat lunak 84.273 5.745 (66) 89.952 Software
Jumlah tercatat 19.142 17.554 Net carrying amount
2024
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Ending
balance Additions Deduction Balance
Biaya perolehan Acquisition cost
Perangkat lunak 89.844 13.571 - 103.415 Software
Akumulasi amortisasi Accumulated amortization
Perangkat lunak 70.032 14.241 - 84.273 Software
Jumlah tercatat 19.812 19.142 Net carrying amount
60
Page 568
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
11. ASET TAKBERWUJUD (Lanjutan) 11. INTANGIBLE ASSETS (Continued)
Beban amortisasi untuk tahun-tahun yang berakhir pada Amortization expenses for the years ended December 31,
tanggal 31 Desember 2025 dan 2024 masing-masing 2025 and 2024 amounted to Rp5,745 and Rp14,241,
sebesar Rp5.745 dan Rp14.241 yang dibebankan dalam respectively, which were charged to general and
beban umum dan administrasi (Catatan 22). administrative expenses (Note 22).
Berdasarkan penilaian manajemen Bank, tidak ada Based on the assessment of the Bank’s management,
kejadian-kejadian atau perubahan-perubahan keadaan there are no events or changes in circumstances that
yang mengindikasikan adanya kerugian penurunan nilai indicate any impairment loss of intangible assets as of
aset takberwujud pada tanggal 31 Desember 2025 dan December 31, 2025 and 2024.
2024.
12 . TAGIHAN LAINNYA 12 . OTHER RECEIVABLES
2025 2024
Tagihan lainnya 3.546.201 3.464.974 Other receivables
Cadangan kerugian Allowance for
penurunan nilai (809) (1.346) impairment losses
Jumlah - bersih 3.545.392 3.463.628 Total - net
Akun ini merupakan tagihan kepada Industrial Bank of This account represent bills to the Industrial Bank of
Korea, pemegang saham, atas transaksi L/C dengan bank Korea, the shareholder, for L/C transactions with other
lain. Bank bertindak sebagai Reimbursement Bank atas banks. The Bank is acting as Reimbursement Bank in
transaksi tersebut. these transactions.
Lihat Catatan 27 untuk informasi pihak berelasi. See Note 27 for related parties information.
Suku bunga rata-rata untuk tagihan lainnya disajikan The average interest rates for other receivables are
dalam Catatan 32. disclosed in Note 32.
Perubahan nilai tercatat bruto adalah sebagai berikut: The movements in the gross carrying amount are as
follows:
2025 2024
Saldo awal 3.464.974 3.768.849 Beginning balance
Aset baru 3.536.711 3.385.227 New assets
Aset diperpanjang 4.829 39.873 Extended assets
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi selama tahun or repaid during the year
berjalan (kecuali hapus buku) (3.460.313) (3.728.975) (excluding write-off)
Saldo akhir 3 . 5 4 6. 2 0 1 3.464.974 Ending balance
Perubahan cadangan kerugian penurunan nilai adalah The movements in the allowance for impairment losses are
sebagai berikut: as follows:
2025 2024
Saldo awal 1.346 1.440 Beginning balance
Aset baru 773 1.329 New assets
Aset diperpanjang 12 15 Extended assets
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi selama tahun or repaid during the year
berjalan (kecuali hapus buku) (1.322) (1.438) (excluding write-off)
Saldo akhir 809 1.346 Ending balance
61
Page 569
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
13 . ASET LAIN-LAIN 13 . OTHER ASSETS
2025 2024
Pendapatan bunga yang masih
akan diterima - bersih 66.806 75.066 Accrued interest income - net
Biaya dibayar di muka 44.746 31.248 Prepaid expenses
Tagihan derivatif 43.059 4.921 Derivative receivables
Agunan yang diambil alih - bersih 24.732 25.358 Foreclosed assets - net
Setoran jaminan 12.257 10.077 Security deposits
Lain-lain 16.731 806 Others
Jumlah 2 08 . 3 3 1 147.476 Total
Pendapatan bunga yang masih akan diterima termasuk Accrued interest income includes interest earned but not
pendapatan yang belum diterima dari kredit yang yet received from loans, securities and others.
diberikan, efek-efek dan lainnya.
Biaya dibayar di muka terdiri dari sewa dibayar di muka, Prepaid expenses comprise of prepaid rents, prepaid
asuransi dibayar di muka, dan lainnya. insurance, and others.
Setoran jaminan terdiri dari setoran jaminan ALTO, sewa Security deposits comprise of ALTO security deposits,
gedung, safe deposit box dan lainnya. building rental, safe deposit box and others.
Setoran jaminan dan pendapatan bunga yang masih akan Security deposits and accrued interest income are
diterima merupakan aset keuangan yang diklasifikasikan financial assets classified as at amortized cost.
dalam kategori biaya perolehan yang diamortisasi.
Lihat Catatan 27 untuk informasi pihak berelasi. See Note 27 for related parties information.
Pada tanggal 31 Desember 2025 dan 2024, Bank As of December 31, 2025 and 2024, the Bank provided
membentuk cadangan kerugian penurunan nilai atas allowance for impairment loss on foreclosed assets
agunan yang diambil alih masing-masing sebesar amounting to Rp6,337 and Rp15,166, respectively.
Rp6.337 dan Rp15.166. Bank berpendapat bahwa jumlah The Bank believes that the allowance for impairment
cadangan kerugian penurunan nilai yang telah dibentuk loss is sufficient to cover possible impairment on
adalah cukup untuk menutupi kemungkinan penurunan foreclosed assets.
nilai agunan yang diambil alih.
Bank telah melakukan upaya penyelesaian atas agunan The Bank has made efforts to settle foreclosed collaterals
yang diambil alih dengan melakukan upaya penjualan by making an attempt to sell through auction.
melalui lelang.
Tagihan derivatif Bank terdiri dari kontrak transaksi spot The Bank’s derivative receivables consist of spot
dan valuta asing berjangka, dengan jangka waktu kurang transactions and forward foreign exchange contracts with
dari 3 bulan. Pada tanggal 31 Desember 2025 dan 2024, terms of less than 3 months. As of December 31, 2025
Bank tidak menerapkan akuntansi lindung nilai untuk and 2024, the Bank did not apply hedge accounting to
transaksi derivatif. Dengan demikian, seluruh laba atau account its derivative transactions. Accordingly, all gains
rugi yang berasal dari transaksi derivatif diakui pada laba and losses resulting from the derivative transactions are
rugi. recognized in profit or loss.
Manajemen berpendapat bahwa cadangan kerugian Management believes that the allowance for impairment
penurunan nilai aset lain-lain pada tanggal 31 Desember losses for other assets as of December 31, 2025 and 2024
2025 dan 2024 telah memadai. is adequate.
14 . SIMPANAN DARI NASABAH 14 . DEPOSITS FROM CUSTOMERS
2025 2024
Giro 1.323.092 821.320 Current accounts
Tabungan 3.188.313 2.795.798 Savings deposits
Deposito berjangka 7.404.424 5.791.201 Time deposits
Jumlah 11.915.829 9.408.319 Total
62
Page 570
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
14. SIMPANAN DARI NASABAH (Lanjutan) 14. DEPOSITS FROM CUSTOMERS (Continued)
Giro terdiri atas: Current accounts consists of:
2025 2 0 24
Pihak berelasi Related parties
Rupiah - 576 Rupiah
Pihak ketiga Third parties
Rupiah 1.068.027 569.723 Rupiah
Mata uang asing Foreign currencies
Dolar Amerika Serikat 255.045 251.004 United States Dollar
Euro 20 17 Euro
Subjumlah 1.323.092 820.744 Sub-total
Jumlah 1.323.092 821.320 Total
Pada tanggal 31 Desember 2025 dan 2024, jumlah giro As of December 31, 2025 and 2024, total current
yang dijadikan jaminan atas pinjaman oleh Bank masing- accounts pledged for loans by the Bank amounted to
masing sebesar Rp663.429 dan Rp203.586. Rp663,429 and Rp203,586, respectively.
Pada tanggal 31 Desember 2025 dan 2024, tidak ada For the years ended December 31, 2025 and 2024, no
pemberian special rate kepada pemilik rekening giro. special rates are given to current accounts holders.
Suku bunga rata-rata untuk giro diungkapkan dalam The average interest rates for current accounts are
Catatan 32. disclosed in Note 32.
Tabungan terdiri atas: Savings deposits consists of:
2025 2 0 24
Pihak berelasi Related parties
Rupiah 5.560 7.791 Rupiah
Mata uang asing Foreign currencies
Dolar Amerika Serikat 51 13 United States Dollar
Subjumlah 5.611 7.804 Sub-total
Pihak ketiga Third parties
Rupiah 2.630.065 2.330.781 Rupiah
Mata uang asing Foreign currencies
Dolar Amerika Serikat 542.668 435.686 United States Dollar
Euro 9.969 21.527 Euro
Subjumlah 3.182.702 2.787.994 Sub-total
Jumlah 3.188.313 2.795.798 Total
Pada tanggal 31 Desember 2025 dan 2024, jumlah As of December 31, 2025 and 2024, total savings deposits
tabungan yang dijadikan jaminan atas pinjaman oleh pledged for loans by the Bank amounted to Rp141,808
Bank masing-masing sebesar Rp141.808 dan Rp50.900. and Rp50,900, respectively.
Pada tanggal 31 Desember 2025 dan 2024, tidak ada For the years ended December 31, 2025 and 2024, no
pemberian special rate kepada pemilik rekening tabungan. special rates are given to savings deposits holders.
Suku bunga rata-rata untuk tabungan diungkapkan dalam The average interest rates for savings deposits are
Catatan 32. disclosed in Note 32.
63
Page 571
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
14. SIMPANAN DARI NASABAH (Lanjutan) 14. DEPOSITS FROM CUSTOMERS (Continued)
Deposito berjangka terdiri atas: Time deposits consists of:
2025 2024
Pihak berelasi Related parties
Rupiah 5.800 6.069 Rupiah
Mata uang asing Foreign currencies
Dolar Amerika Serikat 2.331 2.298 United States Dollar
Subjumlah 8.131 8.367 Sub-total
Pihak ketiga Third parties
Rupiah 4.568.981 3.859.521 Rupiah
Mata uang asing Foreign currencies
Dolar Amerika Serikat 2.817.526 1.906.555 United States Dollar
Euro 9.786 16.758 Euro
Subjumlah 7.396.293 5.782.834 Sub-total
Jumlah 7.404.424 5.791.201 Total
Pada tanggal 31 Desember 2025 dan 2024, jumlah As of December 31, 2025 and 2024, total time deposits
deposito berjangka yang dijadikan jaminan atas pinjaman pledged for loans by the Bank amounted to Rp591,565
oleh Bank masing-masing sebesar Rp591.565 dan and Rp426,331, respectively.
Rp426.331.
Suku bunga rata-rata untuk deposito berjangka The average interest rates for time deposits are disclosed
diungkapkan dalam Catatan 32. in Note 32.
Deposito berjangka berdasarkan periode: Time deposits based on period:
2 0 25
Pihak berelasi/ Pihak ketiga/ Jumlah/
Related parties Third parties Total
1 bulan 2.580 4.300 6.880 1 month
3 bulan 2.782 1.184.318 1.187.100 3 months
6 bulan 1.094 1.758.019 1.759.113 6 months
12 bulan 1.675 4.405.454 4.407.129 12 months
>12 bulan - 44.202 44.202 >12 months
Jumlah 8.131 7.396.293 7.404.424 Total
2 0 24
Pihak berelasi/ Pihak ketiga/ Jumlah/
Related parties Third parties Total
1 bulan 1.104 773.893 774.997 1 month
3 bulan 5.001 2.094.106 2.099.107 3 months
6 bulan 1.892 1.361.462 1.363.354 6 months
12 bulan 370 1.527.831 1.528.201 12 months
>12 bulan - 25.542 25.542 >12 months
Jumlah 8.367 5.782.834 5.791.201 Total
64
Page 572
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
14. SIMPANAN DARI NASABAH (Lanjutan) 14. DEPOSITS FROM CUSTOMERS (Continued)
Deposito berjangka berdasarkan sisa umur jatuh tempo: Time deposits based on the remaining period until
maturity:
2025
Pihak berelasi/ Pihak ketiga/ Jumlah/
Related parties Third parties Total
Kurang dari atau 1 bulan 3.425 1.463.230 1.466.655 1 month or less
1-3 bulan 3.902 3.010.493 3.014.395 1-3 months
3-6 bulan 704 1.259.479 1.260.183 3-6 months
6-12 bulan 100 1.639.856 1.639.956 6-12 months
Lebih dari 12 bulan - 23.235 23.235 More than 12 months
Jumlah 8.131 7.396.293 7.404.424 Total
2024
Pihak berelasi/ Pihak ketiga/ Jumlah/
Related parties Third parties Total
Kurang dari atau 1 bulan 5.360 1.687.951 1.693.311 1 month or less
1-3 bulan 2.362 2.311.643 2.314.005 1-3 months
3-6 bulan 475 835.015 835.490 3-6 months
6-12 bulan 170 926.644 926.814 6-12 months
Lebih dari 12 bulan - 21.581 21.581 More than 12 months
Jumlah 8.367 5.782.834 5.791.201 Total
15 . SIMPANAN DARI BANK LAIN 15 . DEPOSITS FROM OTHER BANKS
Simpanan dari bank lain terdiri atas: Deposits from other banks consists of:
2025 2024
Pihak berelasi Related parties
Rupiah Rupiah
Giro 5.723 - Current deposits
Pihak ketiga Third parties
Rupiah Rupiah
Giro 4.302 3.833 Current deposits
Tabungan 48.026 5.285 Savings deposits
Deposito berjangka 30.000 5.000 Time deposits
Subjumlah 82.328 14.118 Sub-total
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Interbank call money 83.375 - Interbank call money
Jumlah 171.426 14.118 Total
Suku bunga rata-rata untuk giro, tabungan, deposito The average interest rates for current deposits, savings
berjangka dan interbank call money atas simpanan dari deposits, time deposits and interbank call money for
bank lain diungkapkan dalam Catatan 32. deposits from other banks are disclosed in Note 32.
Lihat Catatan 27 untuk informasi pihak berelasi. See Note 27 for related parties information.
65
Page 573
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
16 . PINJAMAN YANG DITERIMA 16 . BORROWINGS
2025 2024
Pihak berelasi Related party
Dolar Amerika Serikat United States Dollar
Industrial Bank of Korea 3.335.000 3.219.000 Industrial Bank of Korea
Pihak ketiga Third parties
Dolar Amerika Serikat United States Dollar
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 1.834.250 1.529.025 (Persero) Tbk
Jumlah 5.169.250 4.748.025 Total
Fasilitas pinjaman yang diterima adalah sebagai berikut: Borrowings facilities are as follows:
Nilai tercatat/Carrying amount
Kreditur/ Suku bunga/ Jangka waktu/
Creditor Interest rate 202 5 202 4 Period
Industrial Bank of Korea:
Pinjaman 1/Term 1 SOFR-M03 2.501.250 2.414.250 2 Oktober/October 2026
Pinjaman 2/Term 2 SOFR-M03 833.750 804.750 21 Agustus/August 2026
PT Bank Rakyat Indonesia
(Persero) Tbk:
Pinjaman 1/Term 1 4,04% 333.500 - 25 September/September 2026
Pinjaman 2/Term 2 4,15% 416.875 - 18 November/November 2026
Pinjaman 3/Term 3 4,08% 333.500 - 9 Desember/December 2026
Pinjaman 4/Term 4 4,29% 250.125 - 13 Juli/July 2026
Pinjaman 5/Term 5 4,34% 500.250 - 10 April/April 2026
Pinjaman 6/Term 6 SOFR-M03 - 321.900 8 Desember/December 2025
Pinjaman 7/Term 7 SOFR-M03 - 402.375 17 November/November 2025
Pinjaman 7/Term 7 4,90% - 482.850 2 April/April 2025
Pinjaman 8/Term 8 5,04% - 321.900 24 September/September 2025
Jumlah/Total 5.169.250 4.748.025
Suku bunga rata-rata untuk pinjaman yang diterima The average interest rates for borrowings are disclosed in
diungkapkan dalam Catatan 32. Note 32.
17 . LIABILITAS LAIN-LAIN 17 . OTHER LIABILITIES
2025 2024
Beban bunga yang masih
harus dibayar 164.011 144.383 Accrued interest expenses
Liabilitas sewa 48.206 78.526 Lease liabilities
Liabilitas derivatif 37.891 6.456 Derivative liabilities
Pendapatan bunga diterima di muka 17.534 16.975 Unearned interest income
Lain-lain 22.906 16.697 Others
Jumlah 2 90 . 5 4 8 263.037 Total
Beban bunga yang masih harus dibayar merupakan bunga Accrued interest expenses represent accrued interest on
yang masih harus dibayar atas simpanan dari nasabah, deposits from customers, deposits from other banks and
simpanan dari bank lain dan pinjaman yang diterima. borrowings.
Pendapatan bunga diterima di muka merupakan bunga Unearned interest income includes interest received but
yang diterima namun belum diakui dari transaksi LC. not yet earned from LC transactions.
Liabilitas derivatif Bank terdiri dari kontrak transaksi spot Bank’s derivative liabilities consists of spot transaction
dan valuta asing berjangka dengan jangka waktu kurang and forward foreign exchange contracts with a maturity of
dari 3 bulan. less than 3 months.
Lain-lain terdiri cadangan biaya terkait komitmen, bonus, Others consist of reserves for costs related to
jasa profesional, biaya operasional, titipan kliring, dan commitments, bonuses, professional services, operational
lainnya. costs, clearing deposits, and others.
Lihat Catatan 27 untuk informasi pihak berelasi. See Note 27 for related parties information.
66
Page 574
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
17. LIABILITAS LAIN-LAIN (Lanjutan) 17. OTHER LIABILITIES (Continued)
Mutasi liabilitas sewa adalah sebagai berikut: Movements in lease liabilities are as follows:
2025 2 0 24
Saldo awal 78.526 20.209 Beginning balance
Penambahan 14.729 85.716 Additions
Beban bunga 2.430 1.861 Interest expense
Pembayaran (47.479) (29.260) Payments
Saldo akhir 48.206 78.526 Ending balance
Jatuh tempo liabilitas sewa adalah sebagai berikut: Maturity of lease liabilities are as follows:
2025 2 0 24
Kurang dari 1 tahun 28.430 24.008 Within 1 year
Antara 1-2 tahun 14.478 31.784 Between 1-2 years
Antara 2-5 tahun 5.298 22.734 Between 2-5 years
Jumlah 48.206 78.526 Total
18 . MODAL SAHAM 18 . SHARE CAPITAL
2025 dan/and 2024
Jumlah saham Persentase
(nilai penuh)/ kepemilkan/
Number of shares Percentage of Jumlah/
Pemegang saham (full amount) ownership (%) Total Shareholders
Industrial Bank of Korea 43.792.362.385 91,49 4.379.236 Industrial Bank of Korea
Masyarakat (kepemilikan Public (ownership
di bawah 5%) 4.072.022.489 8,51 407.202 below 5%)
Jumlah 47.864.384.874 100,00 4.786.438 Total
Industrial Bank of Korea merupakan Bank Pemerintah Industrial Bank of Korea is a South Korean Government
Korea Selatan, yang juga merupakan pemegang saham Bank, which is the Bank’s controlling shareholder and
pengendali Bank dan pemegang saham akhir adalah the ultimate shareholder of the Bank is the Ministry of
Kementerian Ekonomi dan Keuangan Republik Korea. Economy and Finance of the Republic of Korea.
Berdasarkan Pernyataan Keputusan Rapat PT Bank IBK Based on the Deed of Shareholders’ Decision Statement
Indonesia Tbk yang didokumentasikan dalam Akta Notaris of PT Bank IBK Indonesia Tbk as documented in the
No. 145 pada tanggal 16 Agustus 2024 yang dibuat di Notarial Deed No. 145 dated August 16, 2024 of Christina
hadapan Christina Dwi Utami, S.H., M.Hum., M.Kn., Notaris Dwi Utami, S.H., M.Hum., M.Kn., Notary in Jakarta, the
di Jakarta, pemegang saham menyetujui penambahan shareholders have agreed for additional capital by
modal dengan mengeluarkan sebanyak-banyaknya issuing a maximum of 10,081,180,809 new shares by
10.081.180.809 saham baru dengan menerbitkan Hak issuing Pre-emptive Rights (HMETD) in accordance with
Memesan Efek Terlebih Dahulu (HMETD) sesuai dengan prevailing laws and regulations in the Capital Market,
peraturan perundang-undangan yang berlaku dan with a nominal value of Rp100 (full amount) per share.
peraturan yang berlaku di Pasar Modal, dengan nilai
nominal sebesar Rp100 (nilai penuh) per saham.
Penawaran Umum Terbatas VI Limited Public Offering VI
Berdasarkan surat PT Bursa Efek Indonesia Based on letter from the Indonesia Stock Exchange
No. Peng-P-01123/BEI.PP3/08-2024 tanggal 7 Agustus No. Peng-P-01123/BEI.PP3/08-2024 dated August 7,
2024 perihal persetujuan pencatatan Saham PT Bank 2024 regarding the registration of shares of PT Bank
IBK Indonesia Tbk, jumlah seluruh saham yang telah IBK Indonesia Tbk, total shares issued by the Bank
dikeluarkan oleh Bank dalam rangka pelaksanaan in order to implement the Limited Public Offering VI
Penawaran Umum Terbatas VI adalah sebanyak amounted to 10,081,180,809 shares with nominal
10.081.180.809 lembar saham dengan nilai nominal value of Rp1,008,118,080,900 (full amount). Thus, issued
seluruhnya sebesar Rp1.008.118.080.900 (nilai penuh). and fully paid shares of the Bank as of July 29, 2024
Sehingga modal ditempatkan dan disetor Bank pada increased to become 47,864,384,874 shares with
tanggal 29 Juli 2024 meningkat menjadi 47.864.384.874 nominal value of Rp4,786,438,487,400 (full amount).
lembar saham dengan nilai nominal seluruhnya
Rp4.786.438.487.400 (nilai penuh).
67
Page 575
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
18. MODAL SAHAM (Lanjutan) 18. SHARE CAPITAL (Continued)
Penawaran Umum Terbatas VI (Lanjutan) Limited Public Offering VI (Continued)
Hasil dari Penawaran Umum Terbatas VI, terdapat As a result of the Limited Public Offering VI, there were
perubahan jumlah saham dan persentase kepemilikan changes in the number of shares and percentage
pemegang saham yang didokumentasikan dalam Akta ownership of shareholders as documented in the Notarial
Notaris No. 145 pada tanggal 16 Agustus 2024 yang Deed No. 145 dated August 16, 2024 of Christina Dwi
dibuat di hadapan Christina Dwi Utami, S.H., M.Hum., Utami, S.H., M.Hum., M.Kn., Notary in Jakarta and has
M.Kn., Notaris di Jakarta dan telah diterima dan dicatat been received and registered in the Legal Entity
dalam Sistem Administrasi Badan Hukum Kementerian Administration System of the Ministry of Law and Human
Hukum dan Hak Asasi Manusia Republik Indonesia dengan Rights of the Republic of Indonesia in Notification
Surat Penerimaan Pemberitahuan No. AHU-AH.01.03- Acceptance Letter No. AHU-AH.01.03-0183409 dated
0183409 tanggal 16 Agustus 2024. August 16, 2024.
Penawaran Umum Terbatas V Limited Public Offering V
Berdasarkan Pernyataan Keputusan Rapat PT Bank IBK Based on the Deed of Shareholders’ Decision Statement
Indonesia Tbk yang didokumentasikan dalam Akta Notaris of PT Bank IBK Indonesia Tbk as documented in the
No. 142 pada tanggal 14 Agustus 2023 yang dibuat di Notarial Deed No. 142 dated August 14, 2023 of Christina
hadapan Christina Dwi Utami, S.H., M.Hum., M.Kn., Notaris Dwi Utami, S.H., M.Hum., M.Kn., Notary in Jakarta, the
di Jakarta, pemegang saham menyetujui penambahan shareholders have agreed for additional capital by issuing
modal dengan mengeluarkan sebanyak-banyaknya a maximum of 13,814,688,390 new shares from the
13.814.688.390 saham baru dari portepel, dengan portfolios, by issuing Pre-emptive Rights (HMETD) with due
menerbitkan Hak Memesan Efek Terlebih Dahulu (HMETD) observance to the prevailing laws and regulations in
dengan memperhatikan perundang-undangan yang force in the Capital Market, with a nominal value of
berlaku dan peraturan yang berlaku di Pasar Modal, Rp100 (full amount) per share.
dengan nilai nominal sebesar Rp100 (nilai penuh) per
saham.
Berdasarkan surat PT Bursa Efek Indonesia Based on letter from the Indonesia Stock Exchange
No. S-05351/BEI.PP3/07-2023 tanggal 6 Juli 2023 No. S-05351/BEI.PP3/07-2023 dated July 6, 2023
perihal persetujuan pencatatan saham PT Bank IBK regarding the registration of shares of PT Bank IBK
Indonesia Tbk, jumlah seluruh saham yang telah Indonesia Tbk, total shares issued by the Bank in
dikeluarkan oleh Bank dalam rangka pelaksanaan order to implement the Limited Public Offering V amounted
Penawaran Umum Terbatas V adalah sebanyak to 10,133,668,354 shares with nominal value of
10.133.668.354 lembar saham dengan nilai nominal Rp1,013,366,835,400 (full amount). Thus, issued and
seluruhnya sebesar Rp1.013.366.835.400 (nilai penuh). fully paid shares of the Bank on July 6, 2023 increased to
Sehingga modal ditempatkan dan disetor Bank pada become 37,783,204,065 shares with nominal value of
tanggal 6 Juli 2023 meningkat menjadi 37.783.204.065 Rp3,778,320,406,500 (full amount).
lembar saham dengan nilai nominal seluruhnya
Rp3.778.320.406.500 (nilai penuh).
Hasil dari Penawaran Umum Terbatas V, terdapat As a result of the Limited Public Offering V, there were
perubahan jumlah saham dan persentase kepemilikan changes in the number of shares and percentage
pemegang saham yang didokumentasikan dalam Akta ownership of shareholders as documented in the Notarial
Notaris No. 142 pada tanggal 14 Agustus 2023 yang Deed No. 142 dated August 14, 2023 of Christina Dwi
dibuat di hadapan Christina Dwi Utami, S.H., M.Hum., Utami, S.H., M.Hum., M.Kn., Notary in Jakarta and has
M.Kn., Notaris di Jakarta dan telah diterima dan been received and registered in the Legal Entity
dicatat di dalam Sistem Administrasi Badan Hukum Administration System of the Ministry of Law and Human
Kementerian Hukum dan Hak Asasi Manusia Republik Rights of the Republic of Indonesia with Notification
Indonesia dengan Surat Penerimaan Pemberitahuan Acceptance Letter No. AHU-AH.01.03-0104854 dated
No. AHU-AH.01.03-0104854 tanggal 14 Agustus 2023. August 14, 2023.
Pada tanggal 4 Oktober 2024, Bank melakukan On October 4, 2024, the Bank transferred treasury
pengalihan saham treasuri yang dimiliki oleh Bank stock owned by the Bank since 2019 to employees
sejak tahun 2019 kepada karyawan dengan mekanisme through an Employee Stock Ownership Plan (ESOP)
Employee Stock Ownership Plan (ESOP) sejumlah mechanism totaling 20,158,930 shares. The Bank
20.158.930 lembar. Bank telah melakukan keterbukaan has disclosed information regarding the ESOP on
informasi mengenai ESOP tersebut pada tanggal October 7, 2024.
7 Oktober 2024.
68
Page 576
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
19 . TAMBAHAN MODAL DISETOR - BERSIH 19 . ADDITIONAL PAID-IN CAPITAL - NET
2025 2024
Penawaran umum terbatas perdana 847.899 847.899 Limited initial public offering
Kombinasi bisnis entitas Business combination under
sepengendali (Catatan 1d) 54.749 54.749 common control (Note 1d)
Kuasi-reorganisasi 16.762 16.762 Quasi-reorganization
Selisih modal saham dibeli kembali (372) (372) Difference of treasury stocks
Beban emisi saham (18.645) (18.645) Share issuance costs
Jumlah 900.393 900.393 Total
Pada tahun 2025, tidak terdapat perubahan saldo dari In 2025, there are no changes in the balance from the
tahun sebelumnya pada tambahan modal disetor sebagai previous year in additional paid-in-capital is due to the
efek dari hasil proses penawaran umum terbatas yang result of limited public offering process which become
efektif pada tanggal 7 Agustus 2024. effective on August 7, 2024.
20 . PENDAPATAN BUNGA 20 . INTEREST INCOME
2025 2024
Kredit yang diberikan 932.240 799.467 Loans
Tagihan lainnya 197.630 276.641 Other receivables
Efek-efek 189.915 210.968 Securities
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 51.030 76.603 and other banks
Giro pada Bank Indonesia Current accounts with
dan bank lain 3.477 4.835 Bank Indonesia and other banks
Jumlah 1.374.292 1.368.514 Total
Lihat Catatan 27 untuk informasi pihak berelasi. See Note 27 for related parties information.
21 . BEBAN BUNGA 21 . INTEREST EXPENSES
2025 2024
Simpanan dari nasabah 514.791 470.559 Deposits from customers
Pinjaman yang diterima 263.634 283.599 Borrowings
Premi penjaminan simpanan Deposits insurance
(Catatan 35h) 22.583 18.940 premium (Note 35h)
Simpanan dari bank lain 3.671 13.661 Deposits from other banks
Lain-lain - 516 Others
Jumlah 804.679 787.275 Total
Lihat Catatan 27 untuk informasi pihak berelasi. See Note 27 for related parties information.
22. BEBAN UMUM DAN ADMINISTRASI 22. GENERAL AND ADMINISTRATIVE EXPENSES
2025 2024
Penyusutan dan amortisasi Depreciation and amortization
(Catatan 10 dan 11) 69.042 89.667 (Notes 10 and 11)
Informasi dan teknologi 31.894 26.790 Information and technology
Sewa 18.243 17.254 Rental
Iuran dan keanggotaan 12.738 13.032 Subscription and membership
Jasa profesional 9.990 11.636 Professional fees
Beban kantor dan utilitas 9.293 10.009 Office and utilities expenses
Perbaikan dan pemeliharaan 7.893 7.926 Repair and maintenance
Promosi 4.248 3.950 Promotion
Lain-lain 13.624 20.300 Others
Jumlah 176.965 200.564 Total
69
Page 577
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
22 . BEBAN UMUM DAN ADMINISTRASI (Lanjutan) 22 . GENERAL AND ADMINISTRATIVE EXPENSES (Continued)
Lain-lain meliputi beban transportasi, entertainment, Others consist of transportation, entertainment, business
sumbangan, retribusi, pajak, asuransi dan lainnya. development, donation, retribution, tax, insurance and
others expenses.
23 . BEBAN TENAGA KERJA DAN TUNJANGAN 23 . SALARIES AND ALLOWANCE EXPENSES
2025 2024
Gaji, upah dan tunjangan 111.108 110.402 Salaries, wages and allowances
Tunjangan 60.501 55.146 Allowances
Jaminan Sosial (BPJS) 8.295 8.146 Social security (BPJS)
Tunjangan hari raya 7.505 7.100 Religious holiday allowance
Bonus 6.832 8.104 Bonus
Pelatihan 6.610 5.576 Training
Lain-lain 20.009 21.793 Others
Jumlah 220.860 216.267 Total
Lain-lain meliputi beban asuransi, lembur, dan perekrutan Others consist of insurance, overtime, and employee
pegawai. recruitment expenses.
24 . PERPAJAKAN 24 . TAXATION
a. Pajak Penghasilan a. Income Tax
Rekonsiliasi antara laba sebelum beban pajak pada The reconciliation of profit before tax expense in the
laporan laba rugi dan penghasilan komprehensif lain statement of profit or loss and other comprehensive
dengan laba fiskal yang dihitung oleh Bank pada income with the taxable income of the Bank as of
tanggal 31 Desember 2025 dan 2024 adalah sebagai December 31, 2025 and 2024 are as follows:
berikut:
2025 2 0 24
Laba sebelum beban pajak 254.809 280.009 Profit before tax expense
Perbedaan temporer: Temporary differences:
Penyusutan aset tetap Depreciation of fixed assets
dan aset takberwujud 1.933 29.842 and intangible assets
Liabilitas imbalan Post-employment
pascakerja 5.083 4.090 benefit liabilities
Aset hak-guna 1.827 1.070 Right-of-use assets
Cadangan kerugian Allowance for impairment
penurunan aset losses on other
keuangan lainnya (11.146) 4.887 financial assets
Jumlah perbedaan temporer (2.303) 39.889 Total temporary differences
Perbedaan tetap: Permanent differences:
Beban yang tidak dapat
dikurangkan (beban Non-deductible
tambahan yang dapat (additional deductible)
dikurangkan) 6.026 (78.243) expenses
Laba fiskal 258.532 241.655 Taxable income
Beban pajak penghasilan kini 56.877 53.164 Current income tax expense
Dikurangi:
Pajak dibayar di muka Less:
Pasal 25 53.579 35.412 Prepaid taxes Article 25
Kurang bayar pajak Underpayment of
penghasilan badan 3.298 17.752 corporate income tax
70
Page 578
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
24. PERPAJAKAN (Lanjutan) 24. TAXATION (Continued)
a. Pajak Penghasilan (Lanjutan) a. Income Tax (Continued)
Taksiran laba fiskal hasil rekonsiliasi di atas The estimated fiscal profit from the reconciliation
menjadi dasar dalam pengisian SPT Tahunan Pajak above is the basis for filing the Bank’s Annual
Penghasilan Badan Bank tahun 2025. Corporate Income Tax Return for 2025.
Bank telah melaporkan penghasilan kena pajak Bank has reported taxable income and corporate
dan pajak penghasilan badan untuk tahun 2024, income tax expense for 2024, as stated above, in its
sebagaimana disebutkan di atas dalam Surat annual income tax (“SPT”).
Pemberitahuan (“SPT”).
Rekonsiliasi antara laba sebelum beban pajak dengan The reconciliation between the profit before tax
tarif pajak yang berlaku dan beban pajak penghasilan expense multiplied with the applicable tax rate and
adalah sebagai berikut: the income tax expense are as follows:
2025 2024
Laba sebelum beban pajak 254.809 280.009 Profit before tax expense
Tarif pajak yang berlaku (56.058) (61.602) Applicable tax rate
Penghapusan pajak tangguhan - (19.769) Deferred tax write-off
Pengaruh pajak atas beban yang Tax effect for non-deductable
tidak dapat diperhitungkan (1.326) 17.213 expenses
Beban pajak (57.384) (64.158) Tax expense
b. Beban Pajak Penghasilan b. Income Tax Expense
2025 2024
Pajak kini (56.877) (53.164) Current tax
Pajak tangguhan (507) (10.994) Deferred tax
Jumlah (57.384) (64.158) Total
c. Utang Pajak c. Tax Payables
2025 2024
Pajak Penghasilan Pasal 4(2) 9.980 10.836 Income Tax Article 4(2)
Pajak Penghasilan Pasal 21 58 62 Income Tax Article 21
Pajak Penghasilan Pasal 23 218 192 Income Tax Article 23
Pajak Penghasilan Pasal 25 5.216 - Income Tax Article 25
Pajak Penghasilan Pasal 29 3.298 17.752 Income Tax Article 29
Pajak Pertambahan Nilai 410 157 Value Added Taxes
Jumlah 19.180 28.999 Total
71
Page 579
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
24. PERPAJAKAN (Lanjutan) 24. TAXATION (Continued)
d. Pajak Tangguhan d. Deferred Tax
202 5
Dikreditkan
(dibebankan) ke
Dikreditkan penghasilan
(dibebankan) ke komprehensif
Aset (liabilitas) pajak laporan laba rugi/ lain/Credited
tangguhan/ Credited (charged) (charged) to other
Deferred tax assets Saldo awal/ to statement of comprehensive Saldo akhir/
(liabilities) Beginning balance profit or loss income Ending balance
Penyusutan aset tetap
dan amortisasi aset
takberwujud/
Depreciation of
fixed assets and
amortization of
intangible assets 4.183 425 - 4.608
Aset hak-guna/
Right-of-use assets (21.574) 7.072 - (14.502)
Liabilitas sewa/
Lease liabilities 17.277 (6.670) - 10.607
Liabilitas imbalan
pascakerja/
Post-employment
benefit liabilities 4.317 1.118 320 5.755
Keuntungan yang belum
direalisasi atas nilai
wajar aset keuangan
melalui penghasilan
komprehensif lain/
Unrealized gain on
fair values of financial
assets through other
comprehensive
income 8.142 - (10.979) (2.837)
Cadangan kerugian
penurunan nilai/
Allowance for
impairment losses:
Selain kredit yang
diberikan/
Other than loans 5.276 (2.452) - 2.824
Jumlah/Total 17.621 (507) (10.659) 6.455
72
Page 580
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
24 . PERPAJAKAN (Lanjutan) 24 . TAXATION (Continued)
d. Pajak Tangguhan (Lanjutan) d. Deferred Tax (Continued)
202 4
Dikreditkan
(dibebankan) ke
Dikreditkan penghasilan
(dibebankan) ke komprehensif
Aset (liabilitas) pajak laporan laba rugi/ lain/Credited
tangguhan/ Credited (charged) (charged) to other
Deferred tax assets Saldo awal/ to statement of comprehensive Saldo akhir/
(liabilities) Beginning balance profit or loss income Ending balance
Penyusutan aset tetap
dan amortisasi aset
takberwujud/
Depreciation of
fixed assets and
amortization of
intangible assets (2.382) 6.565 - 4.183
Aset hak-guna/
Right-of-use assets (8.979) (12.595) - (21.574)
Liabilitas sewa/
Lease liabilities 4.447 12.830 - 17.277
Liabilitas imbalan
pascakerja/
Post-employment
benefit liabilities 3.583 900 (166) 4.317
Kerugian yang belum
direalisasi atas nilai
wajar aset keuangan
melalui penghasilan
komprehensif lain/
Unrealized loss on fair
values of financial
assets through other
comprehensive
income 4.580 - 3.562 8.142
Cadangan kerugian
penurunan nilai/
Allowance for
impairment losses:
Kredit yang diberikan/
Loans 19.769 (19.769) - -
Selain kredit yang
diberikan/
Other than loans 4.201 1.075 - 5.276
Jumlah/Total 25.219 (10.994) 3.396 17.621
Pada tanggal 10 Oktober 2024, Pemerintah On October 10, 2024, the Goverment issued
menerbitkan Peraturan Menteri Keuangan No. 74 Minister of Finance Regulation (PMK) No. 74 of 2024
Tahun 2024 tentang Pembentukan Cadangan concerning Establishment of Allowance for Doubtful
Piutang Tak Tertagih yang boleh dikurangkan dari Accounts that can be deducted from Gross
Penghasilan Bruto. Sesuai dengan ketentuan Income. Based on the transitional provisions in
peralihan dalam Peraturan Menteri Keuangan the Regulations of the Minister of Finance of the
Republik Indonesia No. 74 Tahun 2024, Bank telah Republic of Indonesia No. 74 of 2024, Bank has
melaksanakan perhitungan nilai tercatat cadangan calculated the carrying amount of the allowance
kerugian penurunan nilai atas kredit yang diberikan for impairment losses on loans for beginning of the
untuk awal tahun fiskal 2024 dan selisihnya akan fiscal year 2024, and the differences will be fully
diakui sebagai beban pada tahun fiskal 2024. recognized as expense on fiscal year 2024.
Manajemen Bank berpendapat bahwa seluruh aset The Bank’s management believes that the total
pajak tangguhan dapat dipulihkan di tahun-tahun deferred tax assets are recoverable in the future
mendatang. years.
73
Page 581
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
24. PERPAJAKAN (Lanjutan) 24. TAXATION (Continued)
e. Administrasi e. Administration
Berdasarkan peraturan perpajakan yang berlaku, Under the taxation Laws of Indonesia, the Bank
Bank menghitung, menetapkan dan membayar submits tax returns that are based on self-assessment.
sendiri jumlah pajak yang terutang (self-assessment). The tax authorities can assess or amend the taxes
Direktorat Jenderal Pajak dapat menetapkan dan within a period of 5 (five) years from the date the taxes
mengubah liabilitas pajak dalam batas waktu 5 (lima) became due.
tahun sejak tanggal terutangnya pajak.
25 . LIABILITAS IMBALAN PASCAKERJA 25 . POST-EMPLOYMENT BENEFIT LIABILITIES
Bank memberikan imbalan pascakerja kepada karyawan The Bank provides post-employment benefits to its
tetap yang memenuhi kriteria yang telah ditetapkan permanent employees who meet the criteria or reach
atau telah mencapai usia pensiun normal pada umur the normal retirement age of 55 years in accordance
55 tahun yang dihitung berdasarkan peraturan yang with Law No. 6 Year 2023 on “Stipulation of Government
berlaku, yakni Undang-Undang No. 6 Tahun 2023 tentang Regulation in Lieu of Law No. 2 Year 2022 on Job Creation
“Penetapan Peraturan Pemerintah Pengganti Undang- into Law.
Undang No. 2 Tahun 2022 tentang Cipta Kerja menjadi
Undang-Undang.
Perhitungan aktuaria pada 31 Desember 2025 dan 2024 The actuarial calculation as of December 31, 2025 and
dilakukan oleh Kantor Konsultan Aktuaria Agus Susanto, 2024 was performed by Kantor Konsultan Aktuaria
aktuaris independen, berdasarkan laporannya masing- Agus Susanto, an independent actuary, based on its
masing tanggal 21 Januari 2026 dan 9 Januari 2025. reports dated January 21, 2026 and January 9, 2025,
respectively.
Mutasi liabilitas imbalan pasti pascakerja adalah sebagai The movement in the post-employment benefit liabilities is
berikut: as follows:
2025 2 0 24
Saldo awal 19.609 16.276 Beginning balance
Biaya jasa kini 5.216 6.152 Current service cost
Biaya bunga 1.369 1.070 Interest cost
Pembayaran selama tahun berjalan (2.212) (3.132) Payment during the year
Kerugian (keuntungan) aktuarial Actuarial loss (gain)
yang timbul dari: arising from:
Asumsi keuangan 1.069 (669) Financial assumption
Asumsi pengalaman 387 (88) Experience assumption
Saldo akhir 25.438 19.609 Ending balance
Beban imbalan pascakerja yang diakui pada laporan The post-employment benefits expenses recognized in
laba rugi dan penghasilan komprehensif lain adalah the statement of profit or loss and other comprehensive
sebagai berikut: income are as follows:
2025 2024
Laba rugi: Profit or loss:
Biaya jasa kini 5.216 6.152 Current service cost
Biaya bunga 1.369 1.070 Interest cost
6.585 7.222
Penghasilan komprehensif lain: Other comprehensive income:
Kerugian (keuntungan) aktuaria 1. 456 (757) Actuarial loss (gain)
74
Page 582
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
25. LIABILITAS IMBALAN PASCAKERJA (Lanjutan) 25. POST-EMPLOYMENT BENEFIT LIABILITIES (Continued)
Mutasi penyesuaian atas akumulasi (kerugian) The movement of adjustments to the accumulated
keuntungan aktuarial yang belum diakui sebagai berikut: unrecognized actuarial (losses) gains is as follows:
2025 2024
Saldo awal 488 (103) Beginning balance
Pengukuran kembali atas Remeasurement of
program imbalan pasti (1.456) 757 defined benefit plan
Pajak penghasilan terkait 320 (166) Related income tax
Penyesuaian aktuaria 341 - Actuarial adjustment
Saldo akhir (307) 488 Ending balance
Nilai kini liabilitas imbalan pascakerja dihitung dengan The present value of the post-employment benefit
menggunakan tingkat diskonto ditentukan dengan liabilities is calculated using a discount rate determined
mengacu pada tingkat pengembalian pasar atas obligasi by reference to market yields of government bonds.
pemerintah. Umumnya, penurunan suku bunga dari Generally, a decrease in the interest rate of a government
obligasi pemerintah akan meningkatkan liabilitas. bonds will increase the liabilities.
Nilai kini liabilitas imbalan pascakerja dihitung dengan The present value of the post-employment benefit
estimasi tingkat kenaikan gaji, di mana semakin tinggi liabilities is calculated using the estimated salary growth
tingkat kenaikan gaji akan menyebabkan semakin rate, where higher salary growth rate will lead to higher
besarnya liabilitas. obligation.
Asumsi utama yang digunakan untuk menghitung liabilitas The key assumptions used in the calculation of the
imbalan pascakerja adalah sebagai berikut: post-employment benefit liabilities are as follows:
2 0 25 2024
Umur pensiun normal 55 tahun/years 55 tahun/years Normal retirement age
Metode penilaian biaya Projected unit Projected unit Valuation cost method
credit credit
Tingkat kematian TMI IV (2021) TMI IV (2021) Mortality rate
Tingkat cacat 0,02% 0,02% Disability rate
Tingkat pengunduran diri 6% untuk karyawan 6% untuk karyawan Voluntary resignation rate
sebelum usia 30 sebelum usia 30
tahun dan akan tahun dan akan
menurun sampai menurun sampai
0% pada usia 2 0% pada usia 2
tahun sebelum usia tahun sebelum usia
pensiun normal/ pensiun normal/
6% for employee 6% for employee
before the age of before the age of
30 years old and 30 years old and
will decrease until will decrease until
0% at the age of 0% at the age of
two years before two years before
normal retirement normal retirement
age age
Tingkat kenaikan gaji 6% 6% Salary increases rate
Tingkat bunga diskonto 6,6% 7,1% Discount rate
Tabel berikut menunjukan analisa sensitivitas atas The following table shows a sensitivity analysis of the
dampak dari perubahan satu persentase tingkat suku impact of a one percentage change in discount rate and
bunga diskonto dan tingkat kenaikan gaji, dengan variabel salary increase rate, with other variables held constant,
lain dianggap tetap, terhadap nilai kini liabilitas imbalan on the present value of post-employment benefit liabilities
pascakerja pada tanggal 31 Desember 2025 dan 2024: as of December 31, 2025 and 2024:
75
Page 583
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
25. LIABILITAS IMBALAN PASCAKERJA (Lanjutan) 25. POST-EMPLOYMENT BENEFIT LIABILITIES (Continued)
2 0 25 2024
Nilai kini liabilitas Nilai kini liabilitas
imbalan pascakerja/ imbalan pascakerja/
Tingkat bunga Present value of Tingkat bunga Present value of
diskonto/ Post-employment diskonto/ Post-employment
Discount rate benefit liabilities Discount rate benefit liabilities
Analisis Sensitivitas Tingkat Diskonto/
Sensitivity Analysis of Discount
Rate
Kenaikan/Increase of 1% 7,60% (2.070) 8,10% (1.524)
Penurunan/Decrease of 1% 5,60% 2.367 6,10% 1.742
2 0 25 2 0 24
Nilai kini liabilitas Nilai kini liabilitas
Tingkat imbalan pascakerja/ Tingkat imbalan pascakerja/
kenaikan gaji/ Present value of kenaikan gaji/ Present value of
Salary increase Post-employment Salary increase Post-employment
rate benefit liabilities rate benefit liabilities
Analisis Sensitivitas Kenaikan Gaji/
Sensitivity Analysis of Salary
Increase
Kenaikan/Increase of 1% 7,00% 2.225 7,00% 1.626
Penurunan/Decrease of 1% 5,00% (1.986) 5,00% (1.451)
Analisis sensitivitas yang disajikan di atas mungkin tidak The sensitivity analysis presented above may not be
mewakili perubahan yang sebenarnya dalam liabilitas representative of the actual change in the post-
imbalan pascakerja mengingat bahwa perubahan asumsi employment benefit liabilities as it is unlikely that the
terjadinya tidak terisolasi satu sama lain karena beberapa change in assumptions would occur in isolation from one
asumsi tersebut mungkin berkorelasi. another as some of the assumptions may be correlated.
Selanjutnya, dalam menyajikan analisis sensitivitas, nilai Furthermore, in presenting the sensitivity analysis, the
kini liabilitas imbalan pascakerja dihitung dengan present value of the post-employment benefit liabilities has
menggunakan metode projected unit credit pada akhir been calculated using the projected unit credit method at
periode pelaporan, yang sama dengan yang diterapkan the end of the reporting period, which is the same as that
dalam menghitung liabilitas yang diakui dalam laporan applied in liability recognized in the statement of financial
posisi keuangan. position.
Perkiraan jatuh tempo atas liabilitas imbalan pascakerja Expected maturity of undiscounted post-employment
tidak terdiskonto pada tanggal 31 Desember 2025 dan benefit liabilities as of December 31, 2025 and 2024,
2024 adalah sebagai berikut: are as follows:
2 0 25 2024
Kurang dari 1 tahun 971 1.515 Less than 1 year
1-2 tahun 3.915 877 1-2 years
2-5 tahun 5.966 9.647 2-5 years
Lebih dari 5 tahun 481.589 451.212 More than 5 years
Jumlah 492 . 4 4 1 463.251 Total
26. LABA PER SAHAM 26. EARNINGS PER SHARE
2025 2024
Laba bersih tahun berjalan 197.425 215.851 Net income for the year
Rata-rata tertimbang jumlah Weighted average number of
saham biasa yang beredar ordinary shares outstanding
dalam tahun berjalan untuk during the year for the
perhitungan laba per saham calculation of basic earning
dasar (nilai penuh) 47.864.384.874 41.832.202.915 per share (full amount)
Laba per saham Basic earnings per share
(nilai penuh) 4,12 5,16 (full amount)
76
Page 584
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
27 . TRANSAKSI DENGAN PIHAK BERELASI 27 . TRANSACTIONS WITH RELATED PARTIES
Dalam kegiatan normal usahanya, Bank melakukan In the normal course of business, the Bank entered into
transaksi tertentu dengan pihak berelasi. certain transaction with related parties.
Transaksi dengan pihak berelasi dilakukan berdasarkan Transactions with related parties are made based on
persyaratan yang disetujui oleh kedua belah pihak, yang mutually agreed terms, which may not be the same as
mungkin tidak sama dengan transaksi lain yang dilakukan those of the transaction between third parties.
dengan pihak ketiga.
Sifat hubungan dan transaksi Nature of relationship and transactions
Sifat hubungan dan transaksi dengan pihak berelasi dan The nature of relationship and transaction with related
transaksinya adalah sebagai berikut: parties and its transactions are as follows:
2025 dan/and 2024
Pihak berelasi/ Sifat hubungan/ Transaksi/
Related parties Nature of relationship Transactions
Industrial Bank of Korea Pemegang saham pengendali/ Giro pada bank lain, simpanan dari bank lain,
Controlling shareholder pinjaman yang diterima, tagihan lainnya,
pendapatan bunga yang masih akan diterima,
beban bunga yang masih harus dibayar,
pendapatan bunga dan beban bunga/
Current account with other bank, deposits
from other bank, borrowings, other
receivables, accrued interest income, accrued
interest expenses, interest income and
interest expenses
Dewan Komisaris, Direksi, Komite Personel manajemen kunci/ Kredit yang diberikan, simpanan dari nasabah,
Audit dan Manajemen Kunci/ Key management personnel pendapatan bunga yang masih akan diterima,
Board of Commissioners, Board of beban bunga yang masih harus dibayar,
Directors, Audit Committee and Key pendapatan bunga, beban bunga, dan beban
Management Personnel tenaga kerja dan tunjangan/
Loans, deposits from customers, accrued
interest income, accrued interest expenses,
interest income, interest expenses, and
salaries and allowances expenses
a. Saldo dan transaksi dengan pihak berelasi adalah a. Balances and transactions with related parties are as
sebagai berikut: follows:
2025 2024
Persentase Persentase
terhadap terhadap
jumlah aset/ jumlah aset/
Jumlah/ Percentage to Jumlah/ Percentage to
Total total assets (%) Total total assets (%)
Aset Assets
Giro pada bank lain Current accounts with
(Catatan 6) 1.139 0,00 - 0,00 other bank (Note 6)
Kredit yang diberikan
(Catatan 9) 2.348 0,01 1.946 0,01 Loans (Note 9)
Tagihan lainnya Other receivables
(Catatan 12) 3.546.201 15,15 3.464.974 17,27 (Note 12)
Aset lain-lain -
Pendapatan bunga Other assets -
yang masih akan Accrued interest
diterima 10.709 0,05 14.327 0,07 income
Jumlah 3 . 5 6 0. 3 9 7 3.481.247 Total
77
Page 585
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
27. TRANSAKSI DENGAN PIHAK BERELASI (Lanjutan) 27. TRANSACTIONS WITH RELATED PARTIES (Continued)
Sifat hubungan dan transaksi (Lanjutan) Nature of relationship and transactions (Continued)
a. Saldo dan transaksi dengan pihak berelasi adalah a. Balances and transactions with related parties are as
sebagai berikut: (Lanjutan) follows: (Continued)
2 0 25 2024
Persentase Persentase
terhadap jumlah terhadap jumlah
liabilitas/ liabilitas/
Jumlah/ Percentage to Jumlah/ Percentage to
Total total liabilities (%) Total total liabilities (%)
Liabilitas Liabilities
Simpanan dari nasabah Deposits from
(Catatan 14) 13.742 0,08 16.747 0,12 customers (Note 14)
Simpanan dari bank lain Deposits from other
(Catatan 15) 5.723 0,03 - 0,00 banks (Note 15)
Pinjaman yang diterima
(Catatan 16) 3.335.000 18,96 3.219.000 22,23 Borrowings (Note 16)
Pendapatan diterima
di muka 17.416 0,10 16.700 0,12 Unearned income
Liabilitas lain-lain - Other liabilities -
Beban bunga yang Accrued interest
masih harus dibayar 30.225 0,17 53.365 0,37 expenses
Jumlah 3.402.106 3 . 3 0 5. 8 1 2 Total
2025 2024
Persentase Persentase
terhadap jumlah terhadap jumlah
pendapatan pendapatan
bunga dan beban bunga dan beban
bunga/ bunga/
Percentage to Percentage to
total interest total interest
income and income and
Jumlah/ interest Jumlah/ interest
Total expenses (%) Total expenses (%)
Pendapatan bunga 196.660 14,31 276.685 20,22 Interest income
Beban bunga 179. 970 22,37 218.237 27,72 Interest expenses
b. Remunerasi yang diberikan Bank kepada Direksi, b. Remunerations provided by the Bank to the Board of
Dewan Komisaris, Komite Audit dan Manajemen Kunci Directors, Board of Commissioners, Audit Committee
adalah sebagai berikut: and Key Management Personnel are as follows:
2025 2024
Imbalan kerja jangka pendek Short-term benefits
Direksi 16.683 17.913 Board of Directors
Dewan Komisaris 3.274 3.209 Board of Commissioners
Komite Audit 561 561 Audit Committee
Manajemen Kunci 53.484 44.736 Key Management Personnel
Jumlah 74.002 66.419 Total
Imbalan pascakerja Employee benefits
Manajemen Kunci 686 314 Key Management Personnel
78
Page 586
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
28 . KOMITMEN DAN KONTINJENSI 28 . COMMITMENTS AND CONTINGENCIES
a. Komitmen dan kontinjensi adalah sebagai berikut: a. Commitments and contingencies are as follows:
2025 2024
KOMITMEN COMMITMENTS
Tagihan komitmen: Commitment receivables:
Pembelian spot dan forward Unsettled spot and
yang masih berjalan 1.264.244 1.608.874 forward bought
Liabilitas komitmen: Commitment payables:
Fasilitas kredit yang
belum digunakan (2.610.075) (2.782.576) Unused loan facilities
Irrevocable letter of credit (101.532) (343.818) Irrevocable letters of credit
Penjualan spot dan derivatif Unsettled spot and
yang masih berjalan (1.259.069) (1.609.500) forward sold
KONTINJENSI CONTINGENCIES
Tagihan kontinjensi: Contingency receivables:
Pendapatan bunga Interest income
dalam penyelesaian 32.726 50.852 on progress
Liabilitas kontinjensi: Contingency payables:
Garansi yang diterbitkan (46.548) (63.679) Guarantees issued
Jumlah - bersih (2.720.254) (3.139.847) Net - total
Bank menentukan cadangan kerugian penurunan nilai The Bank determines allowance for impairment
komitmen dan kontinjensi atas bank garansi dan losses on commitments and contingencies of bank
fasilitas kredit yang belum digunakan berdasarkan guarantees and unused loan facilities based on the
selisih antara biaya perolehan diamortisasi (nilai difference between the amortized amount (carrying
tercatat) dan nilai kini pembayaran liabilitas yang amount) and the present value of any expected
diharapkan akan terjadi (ketika pembayaran atas payment (when a payment under the guarantee has
jaminan tersebut menjadi besar kemungkinan become probable).
terjadinya).
Pada tanggal 31 Desember 2025 dan 2024, Bank As of December 31, 2025 and 2024, the Bank does
tidak memiliki transaksi atas komitmen dan kontinjensi not have commitments and contingencies to related
ke pihak berelasi. parties.
Kolektibilitas irrevocable letters of credit dan bank The collectibility of irrevocable letters of credit and
garansi, sesuai dengan Peraturan Otoritas Jasa bank guarantees are in accordance with Financial
Keuangan (POJK), diungkapkan pada Catatan 35f Services Authority Regulation (POJK) is disclosed in
(tidak diaudit). Note 35f (unaudited).
b. Komitmen sewa b. Lease commitments
Bank memiliki beberapa komitmen sewa operasi The Bank has entered into various lease commitments
dengan jangka waktu penyewaan berkisar antara under operating lease with terms of the rentals
1-5 tahun dan dapat diperpanjang berdasarkan ranging from 1-5 years and renewable upon mutual
kesepakatan kedua pihak. Sewa yang memenuhi agreement of both parties. Leases that qualify in
syarat sesuai dengan PSAK No. 116 diungkapkan pada accordance with PSAK No. 116 is disclosed in
Catatan 10. Note 10.
Beban sewa untuk sewa jangka pendek dan aset Rental expenses for short-term leases and leases of
bernilai rendah pada tanggal 31 Desember 2025 low-value assets as of December 31, 2025 and 2024
dan 2024 masing-masing sebesar Rp18.243 dan amounted to Rp18,243 and Rp17,254, respectively,
Rp17.254 dicatat sebagai bagian dari beban sewa recorded as part of rental expenses in general and
pada beban umum dan administrasi. administrative expenses.
79
Page 587
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
29 . ASET DAN LIABILITAS MONETER DALAM MATA UANG 29 . MONETARY ASSETS AND LIABILITIES DENOMINATED IN
ASING FOREIGN CURRENCIES
Saldo aset dan liabilitas dalam mata uang asing adalah The balances of assets and liabilities denominated in
sebagai berikut: foreign currencies are as follows:
2025 2024
Mata uang Mata uang
Mata uang asing ekuivalen Mata uang asing ekuivalen
(nilai penuh)/ dalam jutaan/ (nilai penuh)/ dalam jutaan/
Foreign currencies Equivalent in Foreign currencies Equivalent in
(full amount) million Rp (full amount) million Rp
Aset Assets
Kas USD 2.387.106 39.805 USD 1.284.280 20.670 Cash
Giro pada Current accounts with
Bank Indonesia USD 23.000.000 383.525 USD 21.400.000 344.433 Bank Indonesia
Giro pada Current accounts with
bank lain USD 19.969.317 332.990 USD 26.166.516 421.150 other banks
EUR 1.088.191 21.297 EUR 1.908.825 31.988
SGD 160.509 2.081 SGD 160.589 1.902
CNY 280.503 669 CNY 56.201 124
KRW 98.512.624 1.139 KRW - -
Efek-efek USD 200.572 3.345 USD 526.783 8.479 Securities
Kredit yang diberikan USD 356.707.286 5.948.094 USD 295.782.772 4.760.624 Loans
Tagihan lainnya USD 212.665.774 3.546.201 USD 215.282.610 3.464.974 Other receivables
Aset lain-lain: Other assets:
Pendapatan bunga
yang masih akan Accrued interest
diterima USD 1.415.591 23.605 USD 1.705.355 27.448 income
SGD 281 4
EUR 2.004 39
CNY 474 1
KRW 195.075 2
Lain-lain USD 1.002.610 16.719 Others
Jumlah aset 10.319.516 9.081.792 Total assets
Liabilitas Liabilities
Simpanan dari nasabah USD 216.948.805 3.617.621 USD 161.264.668 2.595.556 Deposits from customers
EUR 1.010.401 19.775 EUR 2.285.613 38.302
Simpanan dari bank lain USD 5.000.000 83.375 Deposits from other banks
Pinjaman yang diterima USD 310.000.000 5.169.250 USD 295.000.000 4.748.025 Borrowings
Liabilitas lain-lain: Other liabilities:
Bunga yang masih Accrued interest
harus dibayar USD 3.977.553 66.326 USD 4.085.643 65.758 expense
EUR 151 3
Pendapatan diterima
di muka USD 1.326.036 22.112 USD 1.102.525 16.976 Unearned income
Komitmen dan kontinjensi USD 75.000.005 1.250.625 USD 100.000.000 1.609.500 Commitments and contingencies
Lain-lain USD 1.422.293 23.717 Others
Jumlah liabilitas 10.252.804 9.074.117 Total liabilities
Aset bersih 66.712 7.675 Net assets
80
Page 588
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
30 . ASET KEUANGAN DAN LIABILITAS KEUANGAN 30 . FINANCIAL ASSETS AND FINANCIAL LIABILITIES
Nilai tercatat dan nilai wajar atas aset keuangan dan Carrying amount and fair value of financial assets and
liabilitas keuangan Bank pada tanggal 31 Desember 2025 liabilities of the Bank as of December 31, 2025 and 2024
dan 2024 adalah sebagai berikut: are as follows:
2025 2024
Nilai tercatat/ Nilai tercatat/
Carrying Nilai wajar/ Carrying Nilai wajar/
amount Fair value amount Fair value
Aset keuangan Financial assets
Biaya perolehan
diamortisasi: Amortized cost:
Kas 78.674 78.674 70.283 70.283 Cash
Giro pada Bank Current accounts with
Indonesia 1.217.510 1.217.510 1.057.942 1.057.942 Bank Indonesia
Giro pada Bank Current accounts with
lain - bersih 392.766 392.766 475.122 475.122 other banks - net
Penempatan pada
Bank Indonesia dan Placements with Bank
bank lain 485.000 485.000 655.685 655.685 Indonesia and other banks
Efek-efek - bersih 834.862 827.360 872.272 858.828 Securities - net
Kredit yang
diberikan - bersih 14.233.630 14.233.630 11.507.111 11.507.111 Loans - net
I Tagihan lainnya - bersih 3.545.392 3.545.392 3.463.628 3.463.628 Other receivables - net
Aset lain-lain: Other assets:
Pendapatan bunga
yang masih akan Accrued interest
diterima - bersih 66.806 66.806 75.066 75.066 income - net
Setoran jaminan 12.257 12.257 10.077 10.077 Security deposits
Nilai wajar melalui Fair value through
laba rugi: profit or loss:
Tagihan derivatif 43.059 43.059 4.921 4.921 Derivative receivables
Nilai wajar melalui
penghasilan Fair value through other
komprehensif lain: comprehensive income:
Efek-efek 2.262.184 2.262.184 1.614.716 1.614.716 Securities
Jumlah aset keuangan 23.172.140 23.164.638 19.806.823 19.793.379 Total financial assets
Liabilitas keuangan Financial liabilities
Liabilitas keuangan Financial liabilities at
diamortisasi: amortized cost:
Simpanan dari nasabah 11.915.829 11.915.829 9.408.319 9.408.319 Deposits from customers
Simpanan dari bank lain 171.426 171.426 14.118 14.118 Deposits from other banks
Pinjaman yang diterima 5.169.250 5.169.250 4.748.025 4.748.025 Borrowing
Liabilitas lain-lain: Other liabilities:
Bunga yang masih Accrued interest
harus dibayar 164.011 164.011 144.383 144.383 expense
Liabilitas sewa 48.206 48.206 78.526 78.526 Lease liabilities
Lain-lain 12.804 12.804 16.697 16.697 Others
Nilai wajar melalui Fair value through
laba rugi: profit or loss:
Kewajiban derivatif 37.891 37.891 6.456 6.456 Derivative payables
Jumlah liabilitas keuangan 17.519.417 17.519.417 14.416.524 14.416.524 Total financial liabilities
81
Page 589
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
30. ASET KEUANGAN DAN LIABILITAS KEUANGAN (Lanjutan) 30. FINANCIAL ASSETS AND FINANCIAL LIABILITIES
(Continued)
Nilai wajar aset keuangan dan liabilitas keuangan di atas The fair values of the above financial assets and liabilities
diukur dengan dasar sebagai berikut: are determined based on the following:
Aset Keuangan Financial Assets
Nilai wajar aset keuangan lancar (umumnya kurang dari The fair values of financial assets that are short-term in
satu tahun) seperti kas, giro pada Bank Indonesia, giro nature (generally less than one year) such as cash, current
pada bank lain, penempatan pada Bank Indonesia dan account with Bank Indonesia, current accounts with other
bank lain, tagihan lainnya, dan pendapatan bunga yang banks, placements with Bank Indonesia and other banks,
masih akan diterima adalah sebesar nilai tercatat karena other receivables, accrued interest income represent their
nilai tercatat tersebut telah mendekati estimasi nilai carrying amounts as these approximates their fair values.
wajarnya.
Nilai wajar instrumen keuangan yang diperdagangkan The fair value of financial instruments traded in an active
dalam pasar aktif surat berharga ditentukan dengan market security is based on quoted market price at the
berdasarkan harga pasar yang dikutip pada tanggal reporting date.
pelaporan.
Estimasi nilai wajar kredit yang diberikan (umumnya kredit The estimated fair value of loans (normally floating
dengan bunga mengambang) merupakan nilai kini dari interest-bearing loans) represents the present value
estimasi arus kas masa depan yang diharapkan akan amount of estimated future cash flows expected to be
diterima yang didiskontokan pada suku bunga pasar. received discounted at current market rates.
Liabilitas Keuangan Financial Liabilities
Nilai wajar liabilitas keuangan lancar (biasanya kurang dari The fair values of financial liabilities that are short-term
satu tahun) seperti simpanan dari nasabah, simpanan dari in nature (generally less than one year) such as deposits
bank lain, pinjaman yang diterima dan bunga yang masih from customers, deposits from other banks, borrowings
harus dibayar adalah sebesar nilai tercatat karena nilai and accrued interest expenses represent their carrying
tercatat tersebut telah mendekati estimasi nilai wajarnya. amounts as these approximate their estimated fair values.
Estimasi nilai wajar simpanan tanpa jatuh tempo adalah The estimated fair value of deposits with no maturity is
sebesar jumlah terutang ketika utang tersebut harus equal to the amount owed when the debt must be paid
segera dibayar pada saat ditagih. when billed.
Hierarki Nilai Wajar Fair Value Hierarchy
PSAK No. 113 “Pengukuran Nilai Wajar”, mensyaratkan PSAK No. 113 “Fair Value Measurement”, requires
pengungkapan atas pengukuran nilai wajar dengan tingkat disclosure of fair value measurements with the following
hierarki nilai wajar sebagai berikut: fair value measurement hierarchy:
• harga kuotasian (tidak disesuaikan) dalam pasar aktif • quoted prices (unadjusted) in active markets for
untuk aset atau liabilitas yang identik (tingkat 1); identical assets or liabilities (level 1);
• input selain harga kuotasian yang termasuk dalam • inputs other than quoted prices included within level 1
tingkat 1 yang dapat diobservasi untuk aset atau that are observable for the asset or liability, either
liabilitas, baik secara langsung (misalnya harga) atau directly (such as prices) or indirectly (such as derived
secara tidak langsung (misalnya derivasi dari harga) from prices) (level 2); and
(tingkat 2); dan
• input untuk aset atau liabilitas yang bukan • inputs for the asset or liability that are not based
berdasarkan data pasar yang dapat diobservasi (input on observable market data (unobservable inputs)
yang tidak dapat diobservasi) (tingkat 3). (level 3).
82
Page 590
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
30. ASET KEUANGAN DAN LIABILITAS KEUANGAN (Lanjutan) 30. FINANCIAL ASSETS AND FINANCIAL LIABILITIES
(Continued)
Tabel di bawah ini menyajikan nilai wajar instrumen The following tables set out the fair values of financial
keuangan sesuai dengan masing-masing level pada instruments according to each level in the fair value
hierarki nilai wajar: hierarchy:
2 0 25
Jumlah
tercatat/
Total carrying Level 1/ Level 2/ Level 3/
amount Level 1 Level 2 Level 3
Aset Assets
Efek-efek - nilai wajar Securities - fair value
melalui penghasilan through other
komprehensif lain 2.262.184 2.262.184 - - comprehensive income
Tagihan derivatif 43.059 - 43.059 - Derivative receivables
Jumlah aset keuangan 2.305.243 2.262.184 4 3. 0 5 9 - Total financial assets
2 0 24
Jumlah
tercatat/
Total carrying Level 1/ Level 2/ Level 3/
amount Level 1 Level 2 Level 3
Aset Assets
Efek-efek - nilai wajar Securities - fair value
melalui penghasilan through other
komprehensif lain 1.614.716 1.614.716 - - comprehensive income
Tagihan derivatif 4.921 - 4.921 - Derivative receivables
Jumlah aset keuangan 1.619.637 1.614.716 4.921 - Total financial assets
Tidak terdapat pengalihan antar tingkat selama periode There were no transfers between levels during the
berjalan. period.
Nilai wajar untuk instrumen keuangan yang The fair value of financial instruments traded in active
diperdagangkan di pasar aktif ditentukan berdasarkan market is based on quoted market prices at the reporting
kuotasi nilai pasar pada tanggal pelaporan. date.
Nilai wajar instrumen keuangan yang tidak The fair value of financial instruments that are not
diperdagangkan di pasar aktif ditentukan dengan traded in an active market is determined using specific
menggunakan teknik penilaian tertentu. Teknik tersebut valuation techniques. These valuation techniques use
menggunakan data pasar yang dapat diobservasi the observable market data where it is available and
sepanjang tersedia dan seminimal mungkin mengacu rely as little as possible on estimates. If all significant
pada estimasi. Apabila seluruh input signifikan atas nilai inputs of fair value are observable, these financial
wajar dapat diobservasi, instrumen keuangan ini termasuk instruments is included in level 2.
dalam tingkat 2.
83
Page 591
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
31 . SEGMEN OPERASI 31 . OPERATING SEGMENT
Kegiatan Bank sepenuhnya adalah bank konvensional The Bank’s activities are entirely conventional bank hence
sehingga informasi segmen Bank tidak dikelompokkan the Bank’s segment information is not classified into
per segmen usaha tetapi dikelompokkan berdasarkan business segments but is classified by geographical
segmen geografis. segment.
Berikut ini adalah informasi segmen geografis: The following is a geographical segment information:
2025
Jawa/ Sumatera/ Kalimantan/ Bali/ Jumlah/
Java Sumatera Kalimantan Bali Total
Pendapatan bunga 1.221.204 136.996 1.174 14.918 1.374.292 Interest income
Pendapatan lainnya 107.679 8.008 163 348 116.198 Other income
Laba sebelum Profit before tax
beban pajak 261.702 (436) (10.765) 4.308 254.809 expense
Jumlah aset 21.337.194 1.717.819 17.682 334.043 23.406.738 Total assets
Jumlah liabilitas 14.574.266 2.751.654 154.167 111.584 17.591.671 Total liabilities
2024
Jawa/ Sumatera/ Kalimantan/ Bali/ Jumlah/
Java Sumatera Kalimantan Bali Total
Pendapatan bunga 1.229.474 136.670 1.177 1.193 1.368.514 Interest income
Pendapatan lainnya 97.065 4.285 248 52 101.650 Other income
Laba sebelum Profit before tax
beban pajak 210.458 80.675 (3.293) (7.831) 280.009 expense
Jumlah aset 18.386.690 1.576.331 21.818 76.780 20.061.619 Total assets
Jumlah liabilitas 12.102.931 2.126.525 185.435 67.216 14.482.107 Total liabilities
32 . MANAJEMEN RISIKO 32 . RISK MANAGEMENT
Sebagai lembaga keuangan yang menjalankan fungsi As a financial institution that performs the intermediation
intermediasi dengan produk yang beragam dan memiliki function with diverse products and has a network and
jaringan serta nasabah yang tersebar luas, Bank widespread customers, the Bank implements risk
mengimplementasikan manajemen risiko dalam seluruh management in all levels of the organization that
jenjang organisasinya yang berperan mendukung support a prudent business growth in accordance with
pertumbuhan bisnis secara berhati-hati (prudent) sesuai applicable provisions, especially as arranged in Financial
ketentuan yang berlaku, terutama seperti yang diatur di Services Authority Regulations.
dalam Peraturan Otoritas Jasa Keuangan.
Perkembangan fungsi dan layanan perbankan yang The development of the banking functions and services,
disertai dengan meningkatnya kompleksitas produk serta along with the increasing complexity of products and
aktivitas perbankan yang mengandalkan dukungan banking activities that rely on information technology
teknologi informasi semakin mempertegas pentingnya supports emphasized the importance of Good Corporate
tata kelola Bank (Good Corporate Governance) yang Governance and reliable risk management. Both of these
sehat dan manajemen risiko yang terukur dan dapat are important factors of stakeholders and investor’s
diandalkan. Kedua hal tersebut merupakan faktor penting consideration in assessing the target investment target.
yang menjadi perhatian para pemangku kepentingan
(stakeholders), termasuk investor dalam penilaian target
investasinya.
Penerapan manajemen risiko di Bank pada dasarnya Basically, the application of risk management in the
sudah dilakukan sejak Bank berdiri, meskipun dengan cara Bank has been conducted since the establishment of the
yang masih konvensional namun terus dikembangkan Bank, although in a conventional way and continues to
sejalan dengan perkembangan yang terjadi, baik internal develop in align with internal and external developments.
maupun eksternal.
84
Page 592
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
32 . MANAJEMEN RISIKO (Lanjutan) 32 . RISK MANAGEMENT (Continued)
Dalam rangka mewujudkan pertumbuhan bisnis yang In order to achieve healthy growth and sustainable
sehat dan berkelanjutan, maka Bank menyadari bahwa business, the Bank realizes that it needs risk management
perlu dilakukannya pengelolaan risiko yang berlandaskan which is based on prudent principle. The development of
pada prinsip kehati-hatian. Dalam melakukan the Bank’s risk management is based on Bank Indonesia
pengembangan manajemen risiko, Bank berpedoman Regulation as amended in Regulation of Financial Services
pada Peraturan Bank Indonesia sebagaimana diubah Authority about Risk Management for Commercial Bank
dalam Peraturan Otoritas Jasa Keuangan tentang and the document from Basel Committee on Banking
Penerapan Manajemen Risiko bagi Bank Umum serta Supervision. Risk management in the Bank covers the full
dokumen dari Basel Committee on Banking Supervision. scope of business activities, based on the needs and
Pengelolaan risiko di Bank mencakup keseluruhan continuity between the operational functions of the
lingkup aktivitas usaha, berdasarkan kebutuhan dan business to the management of risk.
kesinambungan antara fungsi operasional bisnis dengan
pengelolaan risikonya.
Dengan kebijakan dan manajemen risiko yang berfungsi With the policies and risk management that are functioning
baik, maka manajemen risiko akan menjadi partner well, the risk management will be a strategic partner for
strategis bagi unit bisnis guna mendapatkan hasil optimal the business unit in order to obtain the optimal results of
dari operasi Bank. the Bank’s operations.
Sehubungan dengan pengembangan manajemen risiko In relation with the development of risk management
yang sesuai dengan standar perbankan, secara in accordance with banking standards, the Bank
berkesinambungan Bank mengembangkan dan continuously develops and improves the integrated and
meningkatkan kerangka sistem pengelolaan risiko dan comprehensive framework of risk management systems
pengendalian internal yang terpadu dan komprehensif, and internal controls, hence they can provide information
sehingga dapat memberikan informasi adanya potensi regarding early potential risks, and then be able to take
risiko secara lebih dini, dan selanjutnya dapat mengambil adequate steps to minimize the impact of the risks.
langkah yang memadai untuk meminimalkan dampak
risikonya.
Salah satu dasar utama penerapan manajemen risiko One of the main basis of risk management is the
adalah tersedianya kebijakan, prosedur, limit, kecukupan availability of policies, procedures, limits, adequacy of
sumber daya manajemen risiko dan metodologi risk management resources and risk management
pengelolaan risiko sehingga operasi usaha Bank tetap methodology hence the Bank’s business operations can
dapat terkendali pada batasan-batasan yang dapat still be controlled on the acceptable restrictions and
diterima dan menguntungkan Bank. profitable for the Bank.
Selain itu, juga perlu adanya kebijakan dalam hal Besides that, it also needs policy on monitoring and
pemantauan dan evaluasi risiko yang berdampak pada evaluation of the impact of risk on Bank’s capital as well as
permodalan Bank serta kemampuan modal Bank untuk the ability of the Bank’s capital to absorb potential losses
menyerap potensi kerugian akibat kejadian risiko. Evaluasi due to the risk event. Evaluation according to changes in
sesuai dengan perubahan parameter risikonya dilakukan risk parameters conducted periodically to ensure that
secara berkala untuk memastikan bahwa kebijakan dan policies and procedures are in accordance with the
prosedur tersebut telah sesuai dengan perkembangan development of existing business.
bisnis yang ada.
Dewan Komisaris dan Dewan Direksi bertanggung jawab Boards of Commissioners and Board of Directors are
atas manajemen risiko Bank. Penerapan manajemen risiko responsible for the risk management of the Bank. The
dilakukan melalui pembentukan struktur organisasi, implementation of risk management is carried out through
kebijakan, prosedur dan limit, serta beberapa komite yang establishment of organizational structures, policies,
terkait seperti komite pemantau risiko, komite audit, procedures and limits, and several related committees
komite remunerasi dan nominasi pada level Dewan such as risk monitoring committee, audit committee,
Komisaris. Komite-komite tersebut bertugas membantu remuneration and nomination committee at the level of the
Dewan Komisaris dalam menjalankan fungsi pengawasan Board Commissioners. These committees are tasked with
terhadap Direksi. assisting the Board of Commissioners in carrying out its
supervisory function over the Board of Directors.
Pembentukan komite manajemen risiko, komite aset- Establishment of a risk management committee, asset-
liabilitas, komite kredit dan komite teknologi informasi liability committee, credit committee and information
pada level Direksi yang membantu Direksi dalam technology committee at the Board of Directors level
menetapkan pedoman bagi Bank dalam mengidentifikasi, which assists the Board of Directors in establishing
mengukur, memantau serta meminimalkan risiko-risiko. guidelines for the Bank in identifying, measuring,
monitoring and minimizing risks.
85
Page 593
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
32 . MANAJEMEN RISIKO (Lanjutan) 32 . RISK MANAGEMENT (Continued)
Keberadaan Audit Internal memiliki peranan yang sangat Internal Audit has a very important role to safeguard
penting untuk menjaga dan mengamankan kegiatan and secure the Bank’s business activities. Internal audit
usaha Bank. Audit internal merupakan salah satu unsur is one element of the Bank’s internal control system
sistem pengendalian internal Bank yang dibentuk untuk designed to identify the possibility of an occurrence
dapat mengidentifikasi kemungkinan terjadinya suatu that could affect the Bank operational, and to manage
kejadian yang dapat memengaruhi operasional Bank, serta risks in order to remain within the limits of tolerance
untuk mengelola risiko agar tetap berada dalam batas (risk tolerance) and the amount of risk (risk appetite)
toleransi (risk tolerance) dan besaran risiko (risk appetite) according to the size and complexity of the products, also
sesuai ukuran dan kompleksitas produknya, serta untuk to provide sufficient assurance in the achievement of the
memberikan keyakinan yang memadai dalam rangka Bank’s objectives.
pencapaian tujuan Bank.
Sehubungan dengan diberlakukannya Peraturan Bank In relation with the enactment of Bank Indonesia
Indonesia sebagaimana diubah dalam Peraturan Otoritas Regulation as amended in Regulation of Financial Services
Jasa Keuangan tentang Penilaian Tingkat Kesehatan Authority concerning Commercial Bank Soundness
Bank Umum, yang antara lain mengatur bahwa bank Assessment, which among others regulates that banks
diwajibkan untuk melakukan penilaian sendiri are required to conduct self-assessment of bank
(self-assessment) tingkat kesehatan bank dengan soundness using the risk approach (Risk-based Bank
menggunakan pendekatan risiko (Risk-based Bank Ratings/RBBR), the Bank has begun to carry out the
Rating/RBBR), Bank telah melaksanakan penilaian sendiri assessments of Bank Soundness at the end of
Tingkat Kesehatan Bank pada akhir Desember 2019. December 2019.
Sampai dengan akhir 31 Desember 2025, Bank telah Until the end of December 31, 2025, the Bank has
melakukan usaha perbaikan dan mitigasi terhadap conducted business improvements and mitigation over
potensi-potensi risiko seperti: risiko kredit, risiko pasar, potential risks such as: credit risk, market risk, liquidity
risiko likuiditas, risiko operasional, risiko hukum, risiko risk, operational risk, legal risk, reputation risk, strategic
reputasi, risiko stratejik dan risiko kepatuhan, yang risk and compliance risk, which could adversely affect the
berpotensi menimbulkan kerugian bagi Bank. Bank.
Bank menggunakan skala penilaian berdasarkan 5 tingkat The Bank has adopted a rating scale based on the
risiko yaitu: 1 (Low), 2 (Low to Moderate), 3 (Moderate), 5 levels of risk such as: 1 (Low), 2 (Low to Moderate),
4 (Moderate to High), dan 5 (High), sesuai dengan 3 (Moderate), 4 (Moderate to High), and 5 (High), in
ketentuan yang berlaku dan telah meningkatkan aspek accordance with applicable regulations and has improved
manajemen risiko agar Bank semakin kuat dan memiliki aspects of risk management to increase the Bank’s
daya tahan terhadap perubahan-perubahan yang terjadi, resistant to the changes in conditions of the domestic,
baik di dalam negeri, regional maupun internasional, regional and international by considering the current
dengan mempertimbangkan kondisi perbankan ini banking conditions, as mandated in one of the pillars of
sebagaimana diamanatkan dalam salah satu pilar dalam Basel III.
Basel III.
Risiko Kredit Credit Risk
Sesuai ketentuan Otoritas Jasa Keuangan (OJK) yang In accordance with the newest Financial Services
terbaru, risiko kredit adalah risiko akibat kegagalan Authority (OJK), credit risk is the risk which is caused by
debitur dan/atau pihak lain dalam memenuhi kewajiban debtor’s failure and/or other party’s failure in fulfilling
kepada Bank. Risiko kredit juga dapat terjadi akibat their obligation to the Bank. Credit risk might also be
kegagalan pihak lawan (counterparty credit risk) maupun caused by counterparty credit risk or settlement risk.
akibat kegagalan penyelesaian.
Bank memonitor risiko kredit secara berkala dan The Bank monitors credit risk periodically and continuously
berkesinambungan untuk memastikan bahwa to ensure that the potential loss from default on the loans
kemungkinan kerugian yang terjadi akibat gagal bayar and fulfillment of agreements is minimized, for both
debitur serta pemenuhan kontrak perjanjian dapat individual and group or company.
diminimalkan, baik untuk debitur individu maupun
kelompok atau perusahaan.
86
Page 594
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
32 . MANAJEMEN RISIKO (Lanjutan) 32 . RISK MANAGEMENT (Continued)
Risiko Kredit (Lanjutan) Credit Risk (Continued)
Pengelolaan eksposur risiko kredit adalah sebagai berikut: Exposures to credit risk is managed as follows:
a. Kebijakan dan praktik pemberian kredit yang a. Prudent lending policies and practices. Standard
berhati-hati. Standar kebijakan dan prosedur policies and procedures of loans are prepared
pemberian kredit disusun sesuai dengan ketentuan based on generally applicable credit provisions
perkreditan yang berlaku secara umum dengan with consideration of the complexity and existing
mempertimbangkan kompleksitas dan produk yang products in the Bank, the initiation process, credit
ada di Bank, proses inisiasi, analisa dan persetujuan analysis and approval by the Credit Committee.
pemberian kredit oleh Komite Kredit. Kerangka kerja The framework is intended to identify the inherent
tersebut dimaksudkan untuk dapat mengidentifikasi risks in all products and functional activities of
risiko yang melekat pada seluruh produk dan the Bank. Identification of credit risk is measured
aktivitas fungsional Bank. Identifikasi risiko kredit either against the components or activities, and
diukur terhadap komponen-komponen atau kegiatan- such includes: Non-Performing Loan (NPL), loan
kegiatan antara lain meliputi: Kredit bermasalah/ concentration based on economic sectors,
Non-Performing Loan (NPL), konsentrasi kredit economic sub-sector, and portfolio types, adequacy of
berdasarkan sektor ekonomi, sub-sektor ekonomi impairment losses, top 15 largest obligor, composition
dan jenis portofolio, kecukupan cadangan kerugian of long-term loans to total loan and loans growth also
penurunan nilai, konsentrasi kredit kepada debitur inti loans distribution geographically.
(15 debitur terbesar), komposisi kredit jangka panjang
terhadap jumlah kredit dan pertumbuhan kredit serta
sebaran kredit secara geografis.
b. Analisis berkala atas kemampuan membayar debitur b. Regular analysis of the debtors ability to meet the
atas pokok dan bunga kredit serta liabilitas keuangan loans interest and principal also other financial
lainnya kepada Bank. liabilities repayment obligations to the Bank.
c. Pemantauan Batas Maksimum Pemberian Kredit c. Monitoring of Legal Lending Limits (LLL) as required
(BMPK) sesuai Peraturan Regulator. Pada tanggal by the Regulator. As of December 31, 2025 and
31 Desember 2025 dan 2024, kredit yang diberikan 2024, the credit granted to related parties and not
kepada pihak terkait dan pihak tidak terkait dengan related parties, both individual and group are still
bank baik individu maupun grup tidak melampui within the Legal Lending Limit (LLL) required by the
Batas Maksimum Pemberian Kredit (BMPK) yang Regulator.
ditetapkan oleh Regulator.
d. Permintaan jaminan atas kredit yang diberikan d. Collateral requirement for loans to debtors based on
kepada debitur, berdasarkan kriteria yang ditetapkan criteria determined by the Bank.
Bank.
e. Pengakuan cadangan kerugian penurunan nilai hanya e. Impairment allowances are recognized for losses that
dibentuk atas kerugian yang terjadi pada tanggal have incurred at the date of the statement of financial
laporan keuangan berdasarkan kerugian kredit position based on expected credit losses considering
ekspektasian dengan mempertimbangkan faktor the macro-economic factors. For those of allowance of
makro ekonomi. Cadangan kerugian penurunan nilai impairment losses which the credit risks are not
yang tidak mengalami peningkatan signifikan pada significantly increase nor impaired, the allowance for
risiko kredit maupun penurunan nilai, cadangan impairment losses which credit risks are not
kerugian penurunan nilai dibentuk secara kolektif significantly increase nor impaired, the allowance for
berdasarkan Peraturan Regulator dan standar impaimrnet lossess are assessed using collective
akuntansi keuangan yang berlaku. assessment in accordance with the Regulator and
prevailing financial accounting standard.
f. Untuk aset pada laporan posisi keuangan, eksposur f. For assets in statement of financial position, the
risiko kredit maksimal adalah berdasarkan nilai maximum credit risk exposures are based on the
tercatat dalam laporan posisi keuangan pada net carrying amounts reflected in the statement of
tanggal 31 Desember 2025 dan 2024 tanpa financial position as of December 31, 2025 and
memperhitungkan agunan. 2024, without considering the related collateral.
87
Page 595
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
32 . MANAJEMEN RISIKO (Lanjutan) 32 . RISK MANAGEMENT (Continued)
Risiko Kredit (Lanjutan) Credit Risk (Continued)
Eksposur risiko kredit maksimum tanpa memperhitungkan The maximum exposure to credit risk before collateral
agunan atau tagihan kredit lainnya yang tercatat dalam or other credit enhancements relating to statement of
laporan posisi keuangan maupun rekening administratif financial position items and administrative accounts are as
adalah sebagai berikut: follows:
2025 2024
Laporan Posisi Keuangan Statement of Financial Position
Giro pada Bank Indonesia 1.217.510 1.057.942 Current accounts with Bank Indonesia
Giro pada bank lain 393.005 475.361 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 485.000 655.685 and other banks
Efek-efek 3.097.046 2.486.988 Securities
Kredit yang diberikan 14.470.366 11.707.744 Loans
Tagihan lainnya 3.546.201 3.464.974 Other receivables
Aset lain-lain: Other assets:
Pendapatan bunga yang
masih akan diterima 67.168 76.796 Accrued interest income
Setoran jaminan 12.257 10.077 Security deposits
Jumlah 23.288.553 19.935.567 Total
Rekening Administratif Administrative Accounts
Fasilitas kredit kepada nasabah
yang belum digunakan 2.610.075 2.782.576 Unused loan facilities
Irrevocable letter of credit yang Outstanding irrevocable
masih berjalan 101.532 343.818 letters of credit
Garansi yang diterbitkan 46.548 63.679 Guarantees issued
Jumlah 2.758.155 3.190.073 Total
Manajemen berkeyakinan bahwa Bank memiliki Management believes that the Bank has the ability to
kemampuan untuk mengendalikan eksposur risiko kredit control the optimal credit risk exposure.
pada tingkat yang optimal.
Konsentrasi risiko aset keuangan yang memiliki eksposur Concentration of risks of financial assets with credit risk
risiko kredit: exposure:
a. Sektor geografis a. Geographical sectors
Eksposur risiko kredit atas aset keuangan pada The credit risk exposures on financial assets in
laporan posisi keuangan dan rekening administratif statement of financial position and administrative
adalah sebagai berikut: accounts are shown below:
2025
Jawa/ Sumatera/ Kalimantan/ Bali/ Jumlah/
Java Sumatera Kalimantan Bali Total
Laporan posisi Statement of
keuangan financial position
Giro pada Bank Current accounts with
Indonesia 1.217.510 - - - 1.217.510 Bank Indonesia
Current accounts
Giro pada bank lain 392.980 25 - - 393.005 with other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 485.000 - - - 485.000 and other banks
Efek-efek 3.097.046 - - - 3.097.046 Securities
Kredit yang diberikan 12.418.398 1.708.136 14.995 328.837 14.470.366 Loans
Tagihan lainnya 3.546.201 - - - 3.546.201 Other receivables
Aset lain-lain: Other assets:
Pendapatan bunga
yang masih akan Accrued interest
diterima 62.276 3.375 29 1.488 67.168 income
Setoran jaminan 12.190 5 1 61 12.257 Security deposits
Jumlah 21.231.601 1.711.541 15.025 330.386 23.288.553 Total
88
Page 596
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
32. MANAJEMEN RISIKO (Lanjutan) 32. RISK MANAGEMENT (Continued)
Risiko Kredit (Lanjutan) Credit Risk (Continued)
a. Sektor geografis (Lanjutan) a. Geographical sectors (Continued)
Eksposur risiko kredit atas aset keuangan pada The credit risk exposures on financial assets in
laporan posisi keuangan dan rekening administratif statement of financial position and administrative
adalah sebagai berikut: (Lanjutan) accounts are shown below: (Continued)
2025 (Lanjutan/Continued)
Jawa/ Sumatera/ Kalimantan/ Bali/ Jumlah/
Java Sumatera Kalimantan Bali Total
Rekening Administrative
administratif accounts
Fasilitas kredit yang Unused loan
belum digunakan 2.221.740 374.651 10.287 3.397 2.610.075 facilities
Irrevocable letter of Outstanding
credit yang masih irrevocable letters
berjalan 101.532 - - - 101.532 of credit
Garansi yang
diterbitkan 27.273 13.775 5.500 - 46.548 Guarantees issued
Jumlah 2.350.545 388.426 15.787 3.397 2.758.155 Total
2024
Jawa/ Sumatera/ Kalimantan/ Bali/ Jumlah/
Java Sumatera Kalimantan Bali Total
Laporan posisi Statement of
keuangan financial position
Giro pada Bank Current accounts
Indonesia 1.057.942 - - - 1.057.942 with Bank Indonesia
Current accounts
Giro pada bank lain 475.337 24 - - 475.361 with other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 655.685 - - - 655.685 and other banks
Efek-efek 2.486.988 - - - 2.486.988 Securities
Kredit yang diberikan 10.078.762 1.574.058 16.964 37.960 11.707.744 Loans
Tagihan lainnya 3.464.974 - - - 3.464.974 Other receivables
Aset lain-lain: Other assets:
Pendapatan bunga
yang masih akan Accrued interest
diterima 71.536 3.564 100 201 75.401 income
Setoran jaminan 10.011 4 1 61 10.077 Security deposits
Jumlah 18.301.235 1.577.650 17.065 38.222 19.934.172 Total
Rekening Administrative
administratif accounts
Fasilitas kredit yang Unused loan
belum digunakan 2.322.175 450.676 7.344 2.381 2.782.576 facilities
Irrevocable letter of Outstanding
credit yang masih irrevocable letters
berjalan 343.818 - - - 343.818 of credit
Garansi yang
diterbitkan 29.366 21.013 13.300 - 63.679 Guarantees issued
Jumlah 2.695.359 471.689 20.644 2.381 3.190.073 Total
89
Page 597
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
32 . MANAJEMEN RISIKO (Lanjutan) 32 . RISK MANAGEMENT (Continued)
Risiko Kredit (Lanjutan) Credit Risk (Continued)
b. Sektor industri b. Industry sectors
Eksposur risiko kredit atas aset keuangan pada Credit risk exposure on financial assets in the
laporan posisi keuangan dan rekening administratif statement of financial position and administrative
adalah sebagai berikut: accounts are as follows:
202 5
Lembaga
keuangan/ Jasa dunia
Pemerintah/ Financial Manufaktur/ usaha/ Lainnya/ Jumlah/
Government institution Manufacturing Services Others Total
Laporan posisi Statement of
keuangan financial position
Giro pada Bank Current accounts with
Indonesia 1.217.510 - - - - 1.217.510 Bank Indonesia
Current accounts with
Giro pada bank lain - 393.005 - - - 393.005 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain - 485.000 - - - 485.000 and other banks
Efek-efek 3.000.757 84.000 - - 12.289 3.097.046 Securities
Kredit yang diberikan - 991.748 7.745.724 5.732.894 - 14.470.366 Loans
Tagihan lainnya - 3.546.201 - - - 3.546.201 Other receivables
Aset lain-lain: Other assets:
Pendapatan bunga
yang masih akan Accrued interest
diterima 25.211 14.006 15.564 12.387 - 67.168 income
Setoran jaminan - - - - 12.257 12.257 Security deposits
Jumlah 4.243.478 5.513.960 7.761.288 5.745.281 24.546 23.288.553 Total
Rekening Administrative
administratif accounts
Fasilitas kredit yang Unused loan
belum digunakan - 87.708 1.412.503 1.109.864 - 2.610.075 facilities
Irrevocable letter of Outstanding
credit yang masih irrevocable
berjalan - - 101.532 - - 101.532 letter of credit
Garansi yang
diterbitkan - - - 46.548 - 46.548 Guarantee issued
Jumlah - 87.708 1.514.035 1.156.412 - 2.758.155 Total
90
Page 598
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
32 . MANAJEMEN RISIKO (Lanjutan) 32 . RISK MANAGEMENT (Continued)
Risiko Kredit (Lanjutan) Credit Risk (Continued)
b. Sektor industri (Lanjutan) b. Industry sectors (Continued)
Eksposur risiko kredit atas aset keuangan pada Credit risk exposure on financial assets in the
laporan posisi keuangan dan rekening administratif statement of financial position and administrative
adalah sebagai berikut: (Lanjutan) accounts are as follows: (Continued)
2024
Lembaga
keuangan/ Jasa dunia
Pemerintah/ Financial Manufaktur/ usaha/ Lainnya/ Jumlah/
Government institution Manufacturing Services Others Total
Laporan posisi Statement of
keuangan financial position
Giro pada Current accounts with
Bank Indonesia 1.057.942 - - - - 1.057.942 Bank Indonesia
Giro pada Current accounts with
bank lain - 475.361 - - - 475.361 other banks
Penempatan pada Placements with
Bank Indonesia dan Bank Indonesia
bank lain 105.685 550.000 - - - 655.685 and other banks
Efek-efek 2.352.373 131.615 - - 3.000 2.486.988 Securities
Kredit yang diberikan - 1.030.845 6.497.469 4.132.748 46.682 11.707.744 Loans
Tagihan lainnya - 3.464.974 - - - 3.464.974 Other receivables
Aset lain-lain: Other assets:
Pendapatan bunga
yang masih akan Accrued interest
diterima 32.800 17.839 13.977 10.648 137 75.401 income
Setoran jaminan - - - - 10.077 10.077 Security deposits
Jumlah 3.548.800 5.670.634 6.511.446 4.143.396 59.896 19.934.172 Total
Rekening Administrative
administratif accounts
Fasilitas kredit yang Unused loan
belum digunakan - 289.227 1.233.994 1.257.805 1.550 2.782.576 facilities
Irrevocable letter of Outstanding
credit yang masih irrevocable
berjalan - - - - 343.818 343.818 letter of credit
Garansi yang
diterbitkan - - - 63.679 - 63.679 Guarantee issued
Jumlah - 289.227 1.233.994 1.321.484 345.368 3.190.073 Total
c. Konsentrasi kredit yang diberikan menurut sektor c. Loan concentrations per economic sector and per
ekonomi dan jenis konsumen diungkapkan pada type of customer are disclosed in Note 9.
Catatan 9.
Risiko Pasar Market Risk
Risiko pasar adalah risiko kerugian pada posisi keuangan Market risk is the risk of loss on the financial position
dan rekening administratif akibat perubahan secara and administrative account due to overall changes in
keseluruhan dari kondisi pasar. Risiko pasar meliputi market conditions. Market risk includes, among others,
antara lain risiko suku bunga, risiko nilai tukar, risiko interest rate risk, exchange risk, equity risk, and commodity
ekuitas, dan risiko komoditas. risk.
Risiko pasar terdapat pada aktivitas fungsional Bank Market risk is presented in the functional activities of
seperti dalam kegiatan treasury, investasi dalam bentuk the Bank such as in treasury activities, investment in
surat berharga dan pasar uang, penyediaan dana securities and money market, provision of funds (loans
(pinjaman dan bentuk sejenis), kegiatan pendanaan, serta and similar forms), financing activities, and trade financing
kegiatan pembiayaan perdagangan. activities.
91
Page 599
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
32 . MANAJEMEN RISIKO (Lanjutan) 32 . RISK MANAGEMENT (Continued)
Risiko Pasar (Lanjutan) Market Risk (Continued)
Dalam mengelola risiko pasar Bank mempergunakan To manage the market risk, the Bank uses parameter
pendekatan parameter, antara lain, kemampuan Bank approach, such as, ability of the Bank to cover potential
untuk menyerap potensi kerugian karena fluktuasi dalam losses due to fluctuations in exchange rates of foreign
nilai tukar kredit dalam valuta asing, kecukupan modal exchange loans, capital adequacy to cover currency risk,
untuk menyerap risiko nilai tukar mata uang, Posisi Devisa Net Open Position (NOP) and the Bank’s ability to cover
Neto (PDN) dan kemampuan Bank untuk mengantisipasi potential losses due to fluctuations in exchange rates.
potensi kerugian karena fluktuasi dalam nilai tukar.
Dalam mengelola risiko pasar Bank mempergunakan To manage the market risk, the Bank uses parameter
pendekatan parameter, antara lain, kemampuan Bank approach, such as, ability of the Bank to cover potential
untuk menyerap potensi kerugian karena fluktuasi dalam losses due to fluctuations in exchange rates of foreign
nilai tukar kredit dalam valuta asing, kecukupan modal exchange loans, capital adequacy to cover currency risk,
untuk menyerap risiko nilai tukar mata uang, Posisi Devisa Net Open Position (NOP) and the Bank’s ability to cover
Neto (PDN) dan kemampuan Bank untuk mengantisipasi potential losses due to fluctuations in exchange rates.
potensi kerugian karena fluktuasi dalam nilai tukar.
a. Risiko suku bunga a. Interest rate risk
Risiko suku bunga merupakan risiko pasar di mana Interest rate risk is a market risk that either the future
arus kas masa depan atau nilai instrumen keuangan cash flows or the value of a financial instrument will
akan berfluktuasi karena perubahan suku bunga fluctuate due to changes in market interest rates.
pasar.
Risiko suku bunga timbul dari berbagai layanan The interest rate risk arises from a variety of banking
perbankan bagi nasabah dalam bentuk simpanan, services for customers such as deposits, current
atau dana pihak ketiga (deposito, giro dan tabungan), accounts, savings, loans and off-balance sheet
kredit yang diberikan dan rekening administratif accounts.
(off-balance sheet).
Bank menempatkan Interest Rate Risk in Banking The Bank places an Interest Rate Risk in Banking
Book (IRRBB) sebagai risiko yang terjadi akibat Book (IRRBB) as a risk arising from the movement of
pergerakan suku bunga di pasar yang berlawanan interest rates in the market that is opposite to the
dengan posisi banking book, yang berpotensi banking book position, which has the potential to
memberikan dampak terhadap permodalan dan have an impact on the Bank’s capital and earnings,
rentabilitas (earnings) Bank, baik untuk saat ini for now and in the future. In connection with this
maupun pada masa mendatang. Sehubungan importance, it is necessary to apply IRRBB risk
pentingnya hal tersebut, maka diperlukan penerapan management so that the impact on capital and
manajemen risiko IRRBB sehingga dampak terhadap profitability can be measured and mitigated. The
permodalan dan rentabilitas dapat terukur dan banking book position includes all items in the
termitigasi. Posisi banking book meliputi seluruh pos balance sheet and administrative accounts which
dalam neraca dan rekening administratif yang tidak are not counted in the trading book.
diperhitungkan dalam trading book.
Strategi yang dilakukan terhadap IRRBB adalah The strategy taken towards IRRBB is to identify,
dengan melakukan identifikasi, pengukuran, measure, monitor and control IRRBB risk.
pemantauan, dan pengendalian risiko IRRBB. Identification and measurement are carried out by
Identifikasi dan pengukuran dilakukan dengan making and analyzing IRRBB reports that are
pembuatan dan analisa laporan IRRBB yang reported through the Risk Management Committee
dilaporkan melalui Komite yaitu Komite Manajemen and or ALCO. The Committee conducts evaluation or
Risiko dan atau ALCO. Komite melakukan monitoring and provides input and or decisions in
evaluasi/monitoring dan memberikan masukan dan the form of strategic steps in risk mitigation. This is
atau keputusan berupa langkah stratejik dalam reflected in the repricing gap strategy in the form of
mitigasi risiko. Hal tersebut tercermin dalam strategi determining interest rates on deposits, determining
repricing gap berupa penentuan suku bunga deposito, the strategy for term of deposit placement, and
penentuan strategi jangka waktu penempatan decisions related to granting credit interest rates,
deposito, dan keputusan terkait pemberian suku etc., so as to minimize the negative impact on Net
bunga kredit, dll, sehingga dapat meminimalisir Interest Income (NII) and Economic Value of Equity
terhadap dampak negatif terhadap Net Interest (EVE).
Income (NII) dan Economic Value of Equity (EVE).
92
Page 600
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
32 . MANAJEMEN RISIKO (Lanjutan) 32 . RISK MANAGEMENT (Continued)
Risiko Pasar (Lanjutan) Market Risk (Continued)
a. Risiko suku bunga (Lanjutan) a. Interest rate risk (Continued)
Manajemen Bank bertanggung jawab atas penerapan The Bank’s management is responsible on the
dan pengawasan kebijakan manajemen risiko suku implementation and supervision of interest rate
bunga sesuai dengan batasan, sistem dan prosedur management policy in accordance with the limits,
yang telah dibuat untuk menghadapi risiko tersebut. systems and procedures that have made to encounter
the risk.
Sebagian besar simpanan dari nasabah dan Most of the deposit from customer and loans
kredit yang diberikan adalah pada suku bunga are at floating interest rate that can be adjusted with
mengambang (floating interest rate) yang dapat the interest rate that valid on the interest rate
disesuaikan dengan tingkat suku bunga yang repricing date that directly related to the market
berlaku pada saat tanggal penetapan suku bunga interest rate or interest rate announced and
yang baru (interest rate repricing date), yang periodically adjusted to reflect the market interest
langsung berhubungan dengan suku bunga pasar rate movement.
atau suku bunga yang diumumkan dan disesuaikan
secara periodik untuk mencerminkan pergerakan
suku bunga pasar.
Tabel di bawah ini mengikhtisarkan eksposur The table below summarizes the financial instrument
instrumen keuangan berdasarkan jatuh tempo based on maturity exposure to interest rate risks as of
terhadap risiko suku bunga pada tanggal December 31, 2025 and 2024:
31 Desember 2025 dan 2024:
202 5
Sampai
dengan Lebih dari
1 bulan/ 5 tahun/
Up to 1-3 bulan/ 3-12 bulan/ 1-5 tahun/ More than Jumlah/
1 month 1-3 months 3-12 months 1-5 years 5 years Total
Aset keuangan Financial assets
Giro pada Bank Current accounts with
Indonesia 1.217.510 - - - - 1.217.510 Bank Indonesia
Current accounts with
Giro pada bank lain 393.005 - - - - 393.005 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 485.000 - - - - 485.000 and other banks
Efek-efek 142.442 410.738 856.048 835.644 852.174 3.097.046 Securities
Kredit yang diberikan 477.475 1.424.760 6.388.403 3.911.912 2.267.816 14.470.366 Loans
Tagihan lainnya 1.148.726 1.242.918 1.154.557 - - 3.546.201 Other receivables
Jumlah 3.864.158 3.078.416 8.399.008 4.747.556 3.119.990 23.209.128 Total
Liabilitas keuangan Financial liabilities
Simpanan dari nasabah: Deposits from customers:
Giro 1.323.092 - - - - 1.323.092 Current accounts
Tabungan 1.616.922 653.889 875.211 42.291 - 3.188.313 Savings deposits
Deposito berjangka 1.466.655 3.014.395 2.900.139 23.235 - 7.404.424 Time deposits
Simpanan dari Deposits from
bank lain: other banks:
Deposito berjangka - 30.000 - - - 30.000 Time deposits
Tabungan 48.026 - - - - 48.026 Savings deposits
Giro 10.025 - - - - 10.025 Current accounts
Interbank call money 83.375 - - - - 83.375 Interbank call money
Pinjaman yang diterima - - 5.169.250 - - 5.169.250 Borrowings
Jumlah 4.548.095 3.698.284 8.944.600 65.526 - 17.256.505 Total
93
Page 601
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
32 . MANAJEMEN RISIKO (Lanjutan) 32 . RISK MANAGEMENT (Continued)
Risiko Pasar (Lanjutan) Market Risk (Continued)
a. Risiko suku bunga (Lanjutan) a. Interest rate risk (Continued)
2024
Sampai
dengan Lebih dari
1 bulan/ 5 tahun/
Up to 1-3 bulan/ 3-12 bulan/ 1-5 tahun/ More than Jumlah/
1 month 1-3 months 3-12 months 1-5 years 5 years Total
Aset keuangan Financial assets
Giro pada Bank Current account with
Indonesia 1.057.942 - - - - 1.057.942 Bank Indonesia
Current account with
Giro pada bank lain 475.361 - - - - 475.361 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 655.685 - - - - 655.685 and other banks
Efek-efek 70.155 77.877 369.799 867.547 1.101.610 2.486.988 Securities
Kredit yang diberikan 201.260 1.141.044 4.896.916 4.146.776 1.321.748 11.707.744 Loans
Tagihan lainnya 1.267.590 1.612.026 585.358 - - 3.464.974 Other receivables
Jumlah 3.727.993 2.830.947 5.852.073 5.014.323 2.423.358 19.848.694 Total
Liabilitas keuangan Financial liabilities
Simpanan dari
nasabah: Deposit from customers:
Giro 821.320 - - - - 821.320 Current accounts
Tabungan 1.389.591 608.027 724.500 73.680 - 2.795.798 Savings deposits
Deposito berjangka 1.693.311 2.314.005 1.762.304 21.581 - 5.791.201 Time deposits
Simpanan dari Deposits from
bank lain: other banks:
Deposito berjangka 5.000 - - - - 5.000 Time deposits
Tabungan 5.285 - - - - 5.285 Savings deposits
Giro 3.833 - - - - 3.833 Current accounts
Pinjaman yang
diterima - - 1.529.025 3.219.000 - 4.748.025 Borrowings
Jumlah 3.918.340 2.922.032 4.015.829 3.314.261 - 14.170.462 Total
94
Page 602
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
32 . MANAJEMEN RISIKO (Lanjutan) 32 . RISK MANAGEMENT (Continued)
Risiko Pasar (Lanjutan) Market Risk (Continued)
a. Risiko suku bunga (Lanjutan) a. Interest rate risk (Continued)
Suku bunga rata-rata atas aset dan liabilitas The average interest rates for financial assets and
keuangan adalah sebagai berikut: liabilities are as follows:
2 0 25 2 0 24
Aset keuangan Financial assets
Current account with
Giro pada Bank Indonesia: Bank Indonesia:
Rupiah 0,00% 0,00% Rupiah
Mata uang asing 0,00% 0,00% Foreign currency
Current account with
Giro pada bank lain: other banks:
Rupiah 1,00% 1,00% Rupiah
Mata uang asing 0,00% 0,00% Foreign currency
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain Indonesia and other banks
(call loan): (call loan):
Rupiah 3,95% 6.06% Rupiah
Mata uang asing 0,00% 0,00% Foreign currency
Efek-efek: Securities:
Rupiah 6,04% 6,45% Rupiah
Efek-efek yang dibeli dengan Securities purchased under
janji untuk dijual kembali: resale agreement:
Rupiah 0,00% 0,00% Rupiah
Kredit yang diberikan: Loans:
Rupiah 8,30% 8,27% Rupiah
Mata uang asing 6,06% 7,54% Foreign currency
Tagihan lainnya: Other receivables:
Mata uang asing 5,38% 7,06% Foreign currency
Liabilitas keuangan Financial liabilities
Simpanan dari nasabah Deposit from customers
Rupiah: Rupiah:
Giro 0,57% 3,72% Current accounts
Tabungan 3,32% 5,20% Savings deposits
Deposito 4,81% 5,51% Time deposits
Dolar Amerika Serikat: United States Dollar:
Giro 0,18% 1,33% Current accounts
Tabungan 2,49% 1,85% Savings deposits
Deposito 4,81% 5,15% Time deposits
Euro: Euro:
Giro 0,00% 0,00% Current accounts
Tabungan 0,00% 0,00% Savings deposits
Deposito 4,85% 0,00% Time deposits
Simpanan dari bank lain Deposit from other banks
Rupiah: Rupiah:
Giro 1,78% 2,58% Current accounts
Tabungan 6,20% 1,10% Savings deposits
Deposito 3,50% 5,50% Time deposits
Dolar Amerika Serikat: United States Dollar:
Interbank call money 3,87% 5,46% Interbank call money
Pinjaman yang diterima: Borrowings
Dolar Amerika Serikat 4,54% 5,59% United States Dollar
95
Page 603
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
32 . MANAJEMEN RISIKO (Lanjutan) 32 . RISK MANAGEMENT (Continued)
Risiko Pasar (Lanjutan) Market Risk (Continued)
b. Risiko mata uang b. Currency risk
Risiko nilai tukar mata uang adalah risiko pasar Currency risk is the market risk where the Bank’s
di mana pendapatan Bank dipengaruhi oleh fluktuasi income is affected by the fluctuation of foreign
nilai tukar dari suatu instrumen keuangan dalam mata exchange from a financial instrument in different
uang yang berbeda dengan mata uang modal bank. currencies with bank capital currency. Currency risk
Risiko mata uang yang dihadapi oleh Bank terutama faced by the Bank mainly comes from banking
timbul dari produk perbankan dalam mata uang asing products in foreign currency held by corporate
yang dimiliki oleh nasabah korporasi, yang meliputi customers consisting of placements transactions with
antara lain transaksi penempatan pada bank lain, other banks, loans and deposits in foreign currency.
kredit yang diberikan serta simpanan dalam mata
uang asing.
Risiko mata uang asing dimonitor dan dilaporkan Currency risk is monitored and reported daily to
setiap hari untuk memastikan bahwa pergerakan nilai ensure that exposure to volatility in foreign currencies
tukar mata uang asing masih dalam batas-batas exchange rate are within the Regulator and the Net
ketentuan Regulator dan Posisi Devisa Neto (PDN) Open Position (NOP) is computed based on Bank
yang dihitung berdasarkan Peraturan Regulator. Indonesia Regulation. Under these regulations, Bank
Berdasarkan peraturan tersebut, Bank disyaratkan is required to maintain Net Open Position of statement
untuk menjaga Posisi Devisa Neto laporan posisi of financial position and overall Net Open Position at
keuangan dan secara keseluruhan maksimum 20% maximum of 20% of the total regulatory capital.
dari modal sesuai regulasi.
Tabel di bawah ini mengikhtisarkan sensitivitas laba The table below shows the sensitivity of the Bank’s net
bersih Bank pada tanggal 31 Desember 2025 dan income to movement of foreign exchange rates on
2024 atas perubahan nilai tukar mata uang asing December 31, 2025 and 2024:
yaitu:
Pengaruh terhadap laba bersih/
Impact on net income
Peningkatan/ Penurunan/
Increased by 5% Decreased by 5%
31 Desember 2025 3.335 (3.336) December 31, 2025
31 Desember 2024 7.251 (6.560) December 31, 2024
Informasi tambahan risiko mata uang yang The following additional information on currency risk
merupakan informasi yang disyaratkan oleh regulasi that is required by applicable regulations and is
yang berlaku dan bukan/tidak merupakan informasi not required by Indonesian Financial Accounting
yang dipersyaratkan oleh Standar Akuntansi Standards is disclosed in Note 35h (unaudited).
Keuangan Indonesia diungkapkan pada Catatan 35h
(tidak diaudit).
Risiko Likuiditas Liquidity Risk
Risiko likuiditas adalah risiko akibat ketidakmampuan Liquidity risk is the risk arising due to the inability of the
Bank untuk memenuhi kewajiban yang jatuh tempo Bank to meet its maturing obligations from cash flow
dari sumber pendanaan arus kas dan/atau dari aset funding sources and/or from current asset that can be
likuid berkualitas tinggi yang dapat diagunkan tanpa collateralized without disruping the financial activities and
mengganggu aktivitas dan kondisi keuangan Bank. Adapun conditions. The liquidity risks consist of two categories:
risiko likuiditas terdiri dari dua kategori:
a. Risiko likuiditas pasar yaitu risiko yang timbul karena a. Market liquidity risk is the risk that arises because the
Bank tidak mampu melakukan saling hapus (offsetting) Bank is unable to do certain offsetting positions with
posisi tertentu pada harga pasar karena kondisi market prices due to inadequate market liquidity
likuiditas pasar yang tidak memadai. conditions.
b. Risiko likuiditas pendanaan yaitu risiko yang timbul b. Funding liquidity risk is the risk that arises because the
karena Bank tidak mampu mencairkan asetnya atau Bank is unable to liquidate its asset or obtain fund
memperoleh pendanaan dari sumber dana lain. from other funding sources.
Untuk meminimalkan risiko likuiditas di atas, Bank perlu To minimize liquidity risks above, the Bank needs to
mengelola risiko-risiko yang kemungkinan akan timbul manage the risks that are likely to arise in such a way that
dengan cara memitigasi risiko-risiko tersebut. those risks are mitigated.
96
Page 604
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
32 . MANAJEMEN RISIKO (Lanjutan) 32 . RISK MANAGEMENT (Continued)
Risiko Likuiditas (Lanjutan) Liquidity Risk (Continued)
Adapun parameter yang digunakan dalam mengukur risiko- The parameters used in measuring the risks that are likely
risiko yang kemungkinan akan timbul yaitu Liquidity to arise are Liquidity Coverage Ratio (LCR), Net Stable
Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), Funding Ratio (NSFR), Cash Flow Projection, Current Ratio,
Cash Flow Projection, Current Ratio, Maturity Mismatch Maturity Mismatch Ratio, Loan Funding Ratio (LFR),
Ratio, Loan Funding Ratio (LFR), ketergantungan pada dependence on inter-bank funds, concentration level
dana antar bank, tingkat konsentrasi sumber dana kepada of the funds sources to core depositors, Liquidity
deposan inti, Kebijakan Pengelolaan Likuiditas (ALMA) dan Management Policies (ALMA) and Bank’s capability to gain
kemampuan Bank untuk memperoleh akses ke pasar access to the market money, capital markets or other
uang, pasar modal atau sumber-sumber pendanaan funding sources.
lainnya.
Bank juga memantau likuiditasnya dengan menganalisis The Bank also monitors its liquidity by analyzing its maturity
profil jatuh tempo dari aset dan liabilitas, sebagai berikut: profile of assets and liabilities, as follows:
2025
Kurang dari Lebih dari
Nilai tercatat/ 1 bulan/ 5 tahun/
Carrying Less than 1-3 bulan/ 3-6 bulan/ 6-12 bulan/ 1-5 tahun/ More than
value 1 month 1-3 months 3-6 months 6-12 months 1-5 years 5 years
Aset Assets
Kas 78.674 78.674 - - - - - Cash
Current accounts with
Giro pada Bank Indonesia 1.217.510 1.217.510 - - - - - Bank Indonesia
Current accounts with
Giro pada bank lain 393.005 393.005 - - - - - other banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 485.000 485.000 - - - - - Indonesia and other banks
Efek-efek 3.097.046 142.442 410.738 469.547 386.501 835.644 852.174 Securities
Kredit yang diberikan 14.470.366 477.475 1.424.760 2.049.846 4.338.557 3.911.912 2.267.816 Loans
Tagihan lainnya 3.546.201 1.148.726 1.242.918 1.136.825 17.732 - - Other receivables
Aset lain-lain: Other assets:
Pendapatan bunga yang
masih akan diterima 67.168 67.168 - - - - - Accrued interest income
Tagihan derivatif 43.059 43.059 - - - - - Derivatives receivables
Setoran jaminan 12.257 12.257 - - - - - Security deposits
Jumlah aset 23.410.286 4.065.316 3.078.416 3.656.218 4.742.790 4.747.556 3.119.990 Total assets
Liabilitas Liabilities
Simpanan dari nasabah 11.915.829 4.406.669 3.668.284 3.775.350 - 65.526 - Deposits from customers
Simpanan dari bank lain 171.426 141.426 30.000 - - - - Deposits from other banks
Pinjaman yang diterima 5.169.250 - - 500.250 4.669.000 - - Borrowings
Liabilitas lain-lain: Other liabilities:
Bunga yang masih harus
dibayar 164.011 164.011 - - - - - Accrued interest expenses
Liabilitas sewa 48.206 734 6.616 6.975 14.105 19.776 - Lease liabilities
Kewajiban derivatif 37.891 37.891 - - - - - Derivatives payables
Liabilitas lain-lain 12.804 12.804 - - - - - Other liabilities
Jumlah liabilitas 17.519.417 4.763.535 3.704.900 4.282.575 4.683.105 85. 302 - Total liabilities
Jumlah aset (liabilitas) bersih 5.890.869 (698.219) (626.484) (626.357) 59. 685 4.662.254 3.119.990 Total net assets (liabilities)
97
Page 605
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
32 . MANAJEMEN RISIKO (Lanjutan) 32 . RISK MANAGEMENT (Continued)
Risiko Likuiditas (Lanjutan) Liquidity Risk (Continued)
Bank juga memantau likuiditasnya dengan menganalisis The Bank also monitors its liquidity by analyzing its maturity
profil jatuh tempo dari aset dan liabilitas, sebagai berikut: profile of assets and liabilities, as follows: (Continued)
(Lanjutan)
2024
Kurang dari Lebih dari
Nilai tercatat/ 1 bulan/ 5 tahun/
Carrying Less than 1-3 bulan/ 3-6 bulan/ 6-12 bulan/ 1-5 tahun/ More than
value 1 month 1-3 months 3-6 months 6-12 months 1-5 years 5 years
Aset Assets
Kas 70.283 70.283 - - - - - Cash
Current accounts with
Giro pada Bank Indonesia 1.057.942 1.057.942 - - - - - Bank Indonesia
Current accounts with
Giro pada bank lain 475.361 475.361 - - - - - other banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 655.685 655.685 - - - - - Indonesia and other banks
Efek-efek 2.486.988 70.155 77.876 253.747 116.052 867.547 1.101.611 Securities
Kredit yang diberikan 11.707.744 201.260 1.141.044 1.708.641 3.188.274 4.146.776 1.321.749 Loans
Tagihan lainnya 3.464.974 1.267.590 1.612.026 574.711 10.647 - - Other receivables
Aset lain-lain: Other assets:
Pendapatan bunga yang
masih akan diterima 75.401 75.401 - - - - - Accrued interest income
Tagihan derivatif 4.921 4.921 - - - - - Derivatives receivables
Setoran jaminan 10.077 10.077 - - - - - Security deposits
Jumlah aset 20.009.376 3.888.675 2.830.946 2.537.099 3.314.973 5.014.323 2.423.360 Total assets
Liabilitas Liabilities
Simpanan dari nasabah 9.408.319 3.904.222 2.922.032 1.467.590 1.019.214 95.261 - Deposits from customers
Simpanan dari bank lain 14.118 14.118 - - - - - Deposits from other banks
Pinjaman yang diterima 4.748.025 - - 482.850 1.046.175 3.219.000 - Borrowings
Liabilitas lain-lain: Other liabilities:
Bunga yang masih harus
dibayar 144.383 144.383 - - - - - Accrued interest expenses
Liabilitas sewa 78.526 - 22 - 23.986 54.518 - Lease liabilities
Kewajiban derivatif 6.456 6.456 - - - - - Derivatives payables
Liabilitas lain-lain 16.697 16.697 - - - - - Other liabilities
Jumlah liabilitas 14.416.524 4.085.876 2.922.054 1.950.440 2.089.375 3.368.779 - Total liabilities
Jumlah aset (liabilitas) bersih 5.592.852 (197.201) (91.108) 586.659 1.225.598 1.645.544 2.423.360 Total net assets (liabilities)
Risiko Lainnya Other Risks
Informasi tambahan risiko operasional, kepatuhan, The following additional information on operational,
reputasi, strategi, dan hukum yang merupakan informasi compliance, reputation, strategic, and legal risk that is
yang disyaratkan oleh regulasi yang berlaku dan required by applicable regulations and is not required by
bukan/tidak merupakan informasi yang dipersyaratkan Indonesian Accounting Standards is disclosed in Note 35i
oleh Standar Akuntansi Indonesia diungkapkan pada (unaudited).
Catatan 35i (tidak diaudit).
33 . MANAJEMEN RISIKO PERMODALAN 33 . CAPITAL RISK MANAGEMENT
Tujuan manajemen permodalan Bank adalah untuk The Bank’s capital management objective is to maintain
mempertahankan posisi modal yang kuat untuk a strong capital position to support business growth and
mendukung pertumbuhan bisnis dan mempertahankan to maintain investor, depositor, customer and market
investor, deposan, pelanggan dan kepercayaan confidence. In managing its capital, the Bank considers
pasar. Dalam pengelolaan permodalan, Bank factors such as: providing optimal capital rate of return
mempertimbangkan faktor-faktor seperti: pengembalian to shareholders, maintaining a balance between high
modal yang optimal pada pemegang saham, menjaga return gearing ratio and safety provided by a sound capital
keseimbangan antara keuntungan yang lebih tinggi position.
dengan gearing ratio serta keamanan yang diberikan oleh
posisi modal yang sehat.
Informasi tambahan manajemen risiko permodalan yang The following additional information on capital risk
disyaratkan oleh regulasi yang berlaku dan bukan/tidak management that is required by applicable regulations
merupakan informasi yang dipersyaratkan oleh Standar and is not required by Indonesian Accounting Standards
Akuntansi Indonesia diungkapkan pada Catatan 35h is disclosed in Note 35h (unaudited).
(tidak diaudit).
98
Page 606
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
34 . INFORMASI ARUS KAS TAMBAHAN 34 . ADDITIONAL INFORMATION OF CASH FLOWS
Rekonsiliasi liabilitas yang timbul dari aktivitas pendanaan: Reconciliation of liability arising from financing activity:
2 0 25
Pergerakan
Saldo kurs mata Saldo
awal/ uang asing/ akhir/
Beginning Arus kas/ Foreign Lainnya/ Ending
balance Cash flows exchange rate Others balance
Pinjaman yang
diterima 4.748.025 2 4 2. 0 0 0 1 7 9. 2 2 5 - 5.169.250 Borrowings
2 0 24
Pergerakan
Saldo kurs mata Saldo
awal/ uang asing/ akhir/
Beginning Arus kas/ Foreign Lainnya/ Ending
balance Cash flows exchange rate Others balance
Pinjaman yang
diterima 4.280.366 230.080 237.579 - 4.748.025 Borrowings
Rekonsiliasi aset tetap yang dilaporkan dalam aktivitas Reconciliation of fixed assets reported in investing
investasi adalah sebagai berikut: activities is as follows:
2025 2024
Cash flows from acquisition of
Arus kas dari perolehan aset fixed assets and
tetap dan aset hak-guna 28.966 30.620 right-of-use assets
Penambahan nonkas aset Non-cash addition of
hak-guna melalui right-of-use assets
liabilitas sewa - 85.716 through lease liabilities
Jumlah penambahan aset tetap 28.966 116.336 Total fixed assets addition
99
Page 607
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
35 . INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 35 . ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
Informasi tambahan berikut yang disajikan (tidak diaudit) The following additional information presented (unaudited)
di bawah ini merupakan informasi yang disyaratkan below is information required by applicable regulations
oleh regulasi yang berlaku dan bukan/tidak merupakan and is not information required by Indonesian Financial
informasi yang dipersyaratkan oleh Standar Akuntansi Accounting Standards:
keuangan Indonesia:
a. Giro pada Bank Indonesia a. Current accounts with Bank Indonesia
Pada tanggal 31 Desember 2025 dan 2024, Giro Wajib As of December 31, 2025 and 2024, the Bank’s
Minimum (GWM) Bank telah sesuai dengan Peraturan Minimum Statutory Reserve has complied with
Anggota Dewan Gubernur Nomor 8 Tahun 2025 Regulation of Members of The Board of Governors
tentang Perubahan Ketiga atas Peraturan Anggota (PADG) No. 8 Year 2025 concerning Third Amendment
Dewan Gubernur Nomor 24/8/PADG/2022 tentang to PADG No. 24/8/PADG/2022 concerning
Pelaksanaan Peraturan atas Pemenuhan Giro Wajib Implementation Regulations for Fulfilling The Minimum
Minimum Dalam Rupiah dan Valuta Asing bagi Bank Statutory Reserve in Rupiah and Foreign Currency for
Umum Konvensional, Bank Umum Syariah, dan Unit Conventional Commercial Banks, Sharia Commercial
Usaha Syariah” dan Peraturan Anggota Dewan Banks and Sharia Business Units and Regulation of
Gubernur Nomor 23 Tahun 2025 tentang Rasio the Members of the Board of Governors Number 23
Intermediasi Makroprudensial dan Penyangga of 2025 concerning Macroprudential Intermediation
Likuiditas Makroprudensial bagi Bank Umum Ratio and Macroprudential Liquidity Buffer for
Konvensional, Bank Umum Syariah, dan Unit Usaha Commercial Banks, Islamic Commercial Banks, and
Syariah (PADG RIM PLM) yaitu sebagai berikut: Islamic Business Units (PADG RIM PLM) which are as
follows:
2025 2024
Rupiah Rupiah
GWM primer 9,00% 9,00% Primary GWM
GWM sekunder/ Secondary GWM/
Penyangga Likuiditas Macroprudential
Makroprudensial (PLM) 4,00% 6,00% Liquidity Buffer (PLM)
Dolar Amerika Serikat United States Dollar
GWM valuta asing 4,00% 4,00% Foreign currency GWM
GWM harian 2,00% 2,00% Daily GWM
GWM rata-rata 2,00% 2,00% Average GWM
GWM Primer adalah simpanan minimum yang wajib Primary Minimum Statutory Reserve is a minimum
dipelihara oleh Bank dalam bentuk saldo Rekening reserve that should be maintained by the Bank in
Giro pada Bank Indonesia. GWM Sekunder dan Current Accounts with Bank Indonesia. Secondary
Penyangga Likuiditas Makroprudensial (PLM) adalah Minimum Statutory Reserve and Macroprudential
cadangan minimum yang wajib dipelihara oleh Bank Liquidity Buffer are the minimum reserves that should
berupa Sertifikat Bank Indonesia (SBI), Surat Utang be maintained by the Bank which comprised of
Negara (SUN), dan/atau excess reserve yang Certificates of Bank Indonesia (SBI), Government
merupakan kelebihan saldo Rekening Giro Rupiah Debenture Debt (SUN), and/or excess reserve which
Bank dari GWM Primer, GWM LFR dan Rasio represent the excess reserve of the Bank’s Current
Intermediasi Makroprudensial (RIM). Accounts in Rupiah over the Primary Minimum
Statutory Reserve, Minimum Statutory Reserve on LFR
and Macroprudential Intermediation Ratio (RIM).
RIM adalah tambahan simpanan minimum yang wajib RIM is the additional reserve that should be maintained
dipelihara oleh Bank dalam bentuk saldo Rekening by the Bank in the form of Current Accounts with Bank
Giro pada Bank Indonesia, jika RIM Bank di bawah Indonesia, if the Bank’s RIM is below the minimum of
minimum RIM target Bank Indonesia (84%) atau jika di RIM targeted by Bank Indonesia (84%) or if the Bank’s
atau maksimum RIM target BI (94%) dan Kewajiban RIM is above the maximum of RIM targeted by BI
Penyediaan Modal Minimum (KPMM) Bank lebih kecil (94%) and the Capital Adequacy Ratio (CAR) is below BI
dari KPMM Insentif BI sebesar 14%. requirement of 14%.
100
Page 608
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
35 . INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 35 . ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
a. Giro pada Bank Indonesia (Lanjutan) a. Current accounts with Bank Indonesia (Continued)
Giro Wajib Minimum (“GWM”) dalam mata uang As of December 31, 2025 and 2024, the minimum
Rupiah serta Dolar Amerika Serikat pada tanggal statutory reserves (“GWM”) in Rupiah and United
31 Desember 2025 dan 2024: States Dollar:
2 0 25 2 0 24
Rupiah Rupiah
GWM primer 9,05% 9,15% Primary GWM
GWM harian 0,00% 0,00% Daily GWM
GWM rata-rata 9,05% 9,15% Average GWM
GWM sekunder/ Secondary GWM/
Penyangga Likuiditas Macroprudential
Makroprudensial (PLM) 35,69% 34,18% Liquidity Buffer (PLM)
Dolar Amerika Serikat United States Dollar
GWM valuta asing 4,21% 4,35% Foreign currency GWM
GWM harian 2,00% 2,00% Daily GWM
GWM rata-rata 2,21% 2,35% Average GWM
b. Giro pada Bank Lain b. Current Accounts with other Banks
Berdasarkan Peraturan Otoritas Jasa Keuangan Based on Financial Services Authority Regulation
(POJK), seluruh giro pada bank lain pada tanggal (POJK), all current accounts with other banks as of
31 Desember 2025 dan 2024 diklasifikasikan lancar. December 31, 2025 and 2024 were classified as
current.
c. Penempatan pada Bank Indonesia dan Bank Lain c. Placements with Bank Indonesia and Other Banks
Berdasarkan Peraturan Otoritas Jasa Keuangan Based on Financial Services Authority Regulation
(POJK), seluruh penempatan pada Bank Indonesia dan (POJK), all placements with Bank Indonesia and other
bank lain pada tanggal tanggal 31 Desember 2025 dan banks as of December 31, 2025 and 2024 were
2024 diklasifikasikan lancar. classified as current.
d. Efek-efek d. Securities
Berdasarkan Peraturan Otoritas Jasa Keuangan Based on Financial Services Authority Regulation
(POJK), seluruh efek-efek pada tanggal 31 Desember (POJK), all securities as of December 31, 2025 and
2025 dan 2024 diklasifikasikan lancar. 2024 were classified as current.
101
Page 609
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
35 . INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 35 . ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
e. Kredit yang Diberikan e. Loans
Kredit yang direstrukturisasi pada tanggal Restructured loans as of December 31, 2025 and
31 Desember 2025 dan 2024 adalah sebagai berikut: 2024 are as follows:
202 5 202 4
Cadangan Cadangan
kerugian kerugian
Kredit yang penurunan nilai/ Kredit yang penurunan nilai/
diberikan/ Allowance for diberikan/ Allowance for
Loans impairment losses Loans impairment losses
Kredit yang
direstrukturisasi: Restructured loans:
Lancar 189.288 26.709 227.500 27.714 Current
Dalam perhatian khusus 313.655 73.018 308.311 49.385 Special mention
Kurang lancar 3.976 1.103 20.782 6.907 Substandard
Diragukan 1.790 122 - - Doubtful
Macet 222.359 64.658 164.305 48.573 Loss
Jumlah kredit yang
direstrukturisasi 731.068 165.610 720.898 132.579 Total restructured loans
Kredit yang diberikan pada tanggal 31 Desember 2025 The collectability of loans as of December 31, 2025
dan 2024 berdasarkan kolektabilitas: and 2024 are as follows:
2 0 25 2024
Lancar 13.826.017 11.144.595 Current
Dalam perhatian khusus 367.057 333.719 Special mention
Kurang lancar 3.976 22.100 Substandard
Diragukan 1.790 - Doubtful
Macet 271.526 207.330 Loss
Jumlah 14.470.366 11.707.744 Total
Cadangan kerugian Allowance for
penurunan nilai (236.736) (200.633) impairment losses
Jumlah - bersih 14.233.630 11.507.111 Total - net
Kredit bermasalah menurut sektor ekonomi adalah Non-performing loans according to economic sector
sebagai berikut: are as follows:
2025 2 0 24
Cadangan Cadangan
kerugian kerugian
Kredit penurunan Kredit penurunan
bermasalah/ nilai/ bermasalah/ nilai/
Non- Allowance for Non- Allowance for
performing impairment performing impairment
loan losses loan losses
Rupiah: Rupiah:
Perdagangan 186.510 55.490 170.491 53.316 Trading
Konstruksi 12.730 8.698 26.597 15.337 Construction
Pertanian, perburuan, Agriculture, hunting,
dan sarana and agriculture
pertanian 55 14 - - facilities
Real estate 14.789 3.960 - - Real estate
Lain-lain 63.208 16.122 32.342 7.688 Others
Jumlah 2 77 . 2 9 2 8 4 . 2 84 229.430 76.341 Total
102
Page 610
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
35 . INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 35 . ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
e. Kredit yang Diberikan (Lanjutan) e. Loans (Continued)
Pada tanggal 31 Desember 2025 dan 2024, rasio As of December 31, 2025 and 2024, non-performing
non-performing loan (NPL) adalah sebagai berikut: loan (NPL) ratios are as follows:
2 0 25 2024
NPL Bruto 1,92% 1,96% Gross NPL
NPL Neto 1,30% 1,31% Net NPL
Langkah-langkah Bank untuk mengatasi kredit Steps taken by the Bank to reduce non-performing
bermasalah dilakukan dengan cara: loans are as follows:
- Memberikan Surat Pemberitahuan keterlambatan - Issuing Notice Letter regarding the late payment to
kewajiban untuk membayar ke debitur. the debtors.
- Memberikan Surat Peringatan I, II dan surat - Issuing Warning Letter, I, II and final Warning
peringatan terakhir. Letter.
- Melakukan panggilan untuk melakukan - Making a call to make a formal appearance to the
pertemuan dengan debitur. debtors.
- Melakukan penagihan dengan mendatangi - Perform collection by visiting NPL debtors.
debitur kredit bermasalah.
- Melakukan musyawarah untuk debitur yang akan - Conducting deliberation to debtor who would
menjual aset jaminan atau aset yang lain di luar sell the asset collateral or other assets outside
jaminan. guarantee.
- Untuk debitur bermasalah yang masih punya - For the NPL debtors who still have sound business
prospek usaha, maka diajukan restrukturisasi prospect, then a loan restructuring will be
kredit. proposed.
- Bila langkah-langkah tersebut di atas belum - If the above steps have not resolved, the collateral
ada penyelesaian maka akan dilakukan langkah will be foreclosed, then recognized as foreclosed
pengambilalihan agunan, untuk kemudian assets.
dibukukan sebagai agunan yang diambil alih.
- Bila debitur tidak dapat bekerja sama maka akan - If the debtor is not cooperative, then a legal
dilakukan proses hukum. process will be carried out.
Mutasi kredit yang dihapusbukukan adalah sebagai The movement in loans written-off are as follows:
berikut:
2 0 25 2 0 24
Saldo awal 276.031 283.894 Beginning balance
Penambahan tahun berjalan - 1.420 Additional in current year
Pemulihan - (9.259) Recovery
Efek perubahan kurs (5.094) (24) Effects of changes on exchange rate
Saldo akhir 2 70 . 9 3 7 276.031 Ending balance
Klasifikasi kredit yang mengalami penurunan nilai, Loans classification which are impaired, past due but
kredit yang telah jatuh tempo tetapi tidak mengalami unimpaired and neither past due nor impaired are as
penurunan nilai dan kredit yang belum jatuh tempo follows:
dan tidak mengalami penurunan nilai adalah sebagai
berikut:
2 0 25 2 0 24
Kredit yang mengalami
penurunan nilai*) 517.463 546.674 Impaired loans*)
Cadangan kerugian Collective allowance for
penurunan nilai kolektif (1.835) (1.404) impairment losses
Cadangan kerugian Individual allowance for
penurunan nilai individual (151.880) (126.063) impairment losses
Subjumlah 363.748 419.207 Sub-total
103
Page 611
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
35 . INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 35 . ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
e. Kredit yang Diberikan (Lanjutan) e. Loans (Continued)
2 0 25 2 0 24
Kredit yang belum jatuh tempo
dan tidak mengalami Neither past due nor
penurunan nilai**) 13.952.903 11.161.070 impaired loans**)
Cadangan kerugian Collective allowance for
penurunan nilai kolektif (61.563) (51.310) impairment losses
Cadangan kerugian Individual allowance for
penurunan nilai individual (21.458) (21.856) impairment losses
Subjumlah 13.869.882 11.087.904 Sub-total
Jumlah 14.233.630 11.507.111 Total
* *)h Termasuk dalam kategori “kredit yang mengalami *) Included in the category of “impaired loans” are loans with
penurunan nilai” adalah kredit dengan kolektibilitas dalam special mention collectibility which is provided individual
perhatian khusus yang dibentuk cadangan kerugian allowance for impairment losses and loans with sub-
penurunan nilai secara individual serta kredit dengan standard, doubtful and loss collectibility which are
kolektibilitas kurang lancar, diragukan dan macet yang provided individual and collective allowances for
dibentuk cadangan kerugian penurunan nilai secara impairment losses.
individual dan kolektif.
**) Termasuk dalam kategori “kredit yang belum jatuh tempo **) Included in the category of “neither past due nor impaired
dan tidak mengalami penurunan nilai” adalah keseluruhan loans” are loans with current collectibility which are
kredit dengan kolektibilitas lancar dan dalam perhatian provided individual and collective allowances for
khusus yang dibentuk cadangan kerugian penurunan nilai impairment losses, and loans with special mention
secara kolektif. collectability which are provided with collective allowance
for impairment losses.
Informasi lainnya: Other information:
1. Pada tanggal 31 Desember 2025 dan 2024, tidak 1. As of December 31, 2025 and 2024, there is no
terdapat penyediaan dana kepada pihak berelasi loan granted to related and third parties which
dan pihak ketiga yang melampaui Batas have exceeded the Bank’s Legal Lending Limit
Maksimum Pemberian Kredit (BMPK) Bank. (LLL).
2. Bank telah melakukan restrukturisasi kredit 2. The Bank has restructured credit for debtors
untuk debitur yang terdampak pandemi Covid-19 affected by the Covid-19 pandemic in accordance
sesuai dengan Peraturan Otoritas Jasa Keuangan with Financial Services Authority Regulation
No. 17/POJK.03/2021 (POJK 17/2021) tentang No. 17/POJK.03/2021 (POJK 17/2021)
Perubahan Kedua atas Peraturan Otoritas concerning the Second Amendment to Financial
Jasa Keuangan No. 11/POJK.03/2020 tentang Services Authority Regulation No. 11/POJK.03/
Stimulus Perekonomian Nasional Sebagai 2020 concerning National Economic Stimulus
Kebijakan Countercyclical Dampak Penyebaran as a Countercyclical Policy on the Impact of
Coronavirus Disease 2019 (berlaku hingga the Spread of Coronavirus Disease 2019 (valid
31 Maret 2023) yang diperpanjang berdasarkan until March 31, 2023) which extended based
Siaran Pers No. 85/DHMS/OJK/XI/2022 untuk on Press Release No. 85/DHMS/OJK/XI/2022
segmen, sektor, industri dan daerah tertentu for certain segment, sectors, industries and
(targeted) yang memerlukan periode regions (targeted) that require an additional
restrukturisasi kredit/pembiayaan tambahan credit/financing restructuring period until
sampai 31 Maret 2024. March 31, 2024.
3. Pada tanggal 31 Desember 2025 dan 2024, saldo 3. As of December 31, 2025 and 2024, the balance
Kredit Usaha Kecil (KUK) masing-masing sebesar of Small Business Loans (SBL) amounted to
Rp279.186 dan Rp214.072 dengan cadangan Rp279,186 and Rp214,072, respectively, with
kerugian penurunan nilai masing-masing sebesar allowance for impairment losses of Rp7,299 and
Rp7.299 dan Rp8.707. Rasio KUK terhadap Rp8,707, respectively. The ratio of SBL to total
jumlah kredit yang diberikan (secara bruto) pada loans (in gross) as of December 31, 2025 and
tanggal 31 Desember 2025 dan 2024 masing- 2024 are 1.93% and 1.83%, respectively, while
masing sebesar 1,93% dan 1,83%, sedangkan the ratio of SBL to total loans (net of allowance
rasio KUK terhadap jumlah kredit yang diberikan for impairment losses) are 1.96% and 1.86%,
(setelah dikurangi cadangan kerugian penurunan respectively.
nilai) masing-masing sebesar 1,96% dan 1,86%.
104
Page 612
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
35 . INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 35 . ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
f. Komitmen dan Kontinjensi f. Commitments and Contingencies
Berdasarkan Peraturan Otoritas Jasa Keuangan Based on Financial Services Authority Regulation
(POJK), seluruh irrevocable letter of credit dan bank (POJK), all irrevocable letter of credit and bank
garansi pada tanggal 31 Desember 2025 dan 2024 guarantee as of December 31, 2025 and 2024 were
diklasifikasikan lancar. classified as current.
g. Manajemen Risiko g. Risk Management
Risiko Mata Uang Currency Risk
Posisi Devisa Neto Bank pada tanggal 31 Desember The Bank’s Net Open Position as of December 31,
2025 dan 2024: 2025 and 2024 is as follows:
2025
Laporan posisi keuangan dan
rekening administratif/
Statement of financial position and
administrative accounts
Aset/ Liabilitas/ Nilai bersih absolut/
Assets Liabilities Net absolute value
Mata uang Currencies
Dolar Amerika Serikat 10.294.283 10.233.026 61.257 United States Dollar
Euro 21.336 19.778 1.558 Euro
Dolar Singapura 2.085 - 2.085 Singapore Dollar
Yuan Tiongkok 671 - 671 Chinese Yuan
Won Korea Selatan 1.141 - 1.141 South Korean Won
Jumlah 10.319.516 10.252.804 66.712 Total
Jumlah nilai bersih absolut Total absolute
(keseluruhan) 66.712 open position (overall)
Jumlah modal 5.920.846 Total capital
Rasio posisi devisa neto Net open position ratio
(laporan posisi keuangan) 1,13% (statement of financial position)
Rasio posisi devisa neto Net open position ratio
(keseluruhan) 1,13% (overall)
2024
Laporan posisi keuangan dan
rekening administratif/
Statement of financial position and
administrative accounts
Aset/ Liabilitas/ Nilai bersih absolut/
Assets Liabilities Net absolute value
Mata uang Currencies
Dolar Amerika Serikat 9.027.954 9.035.815 7.861 United States Dollar
Euro 31.978 38.302 6.324 Euro
Dolar Singapura 1.899 - 1.899 Singapore Dollar
Yuan Tiongkok 124 - 124 Chinese Yuan
Jumlah 9.061.955 9.074.117 16.208 Total
Jumlah nilai bersih absolut Total absolute
(keseluruhan) 16.208 open position (overall)
Jumlah modal 5.661.672 Total capital
Rasio posisi devisa neto Net open position ratio
(laporan posisi keuangan) 0,29% (statement of financial position)
Rasio posisi devisa neto Net open position ratio
(keseluruhan) 0,29% (overall)
105
Page 613
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
35 . INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 35 . ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
g. Manajemen Risiko (Lanjutan) g. Risk Management (Continued)
Risiko Operasional Operational Risk
Risiko operasional adalah risiko akibat Operational risk is the risk arising due to insufficient
ketidakcukupan dan/atau tidak berfungsinya proses and/or non-functioning of the internal process,
internal, kesalahan manusia, kegagalan sistem, human error, system failure, and/or the external
dan/atau adanya kejadian-kejadian eksternal yang events that affecting the Bank’s operation.
memengaruhi operasional Bank.
Pengelolaan risiko operasional ditujukan untuk Operational risk management is intended to improve
meningkatkan budaya sadar risiko dari setiap individu the culture of risk awareness in each individual on
dalam tiap unit kerja, meningkatkan sistem every unit of work, improve internal control system,
pengendalian internal, melakukan penyempurnaan do improvement and repairment on the system and
dan perbaikan terhadap sistem dan proses kerja work process also to prepare the ability to manage
serta mempersiapkan kemampuan untuk mengelola business continuity during an emergency situation and
kelangsungan usaha dalam kondisi darurat sehingga therefore reduces the frequency and impact of a loss.
dapat menurunkan frekuensi dan dampak dari suatu
kerugian.
Risiko operasional dapat melekat pada setiap Operational risks are inherent in any functional
aktivitas fungsional Bank, seperti kegiatan perkreditan activities of the Bank, such as lending activities
(penyediaan dana), treasury dan investasi, operasional (provision of funds), treasury and investment,
dan jasa, pembiayaan perdagangan, pendanaan dan operations and services, trade financing, funding
instrumen utang, teknologi sistem informasi dan and debt instruments, technology information systems
sistem informasi manajemen, dan pengelolaan sumber and management information systems, and human
daya manusia. resource management.
Untuk meminimalkan risiko operasional di atas, Bank To minimize operational risk above, the Bank needs
mengelola risiko-risiko yang mungkin akan timbul to manage the risks that are likely to arise with
dengan cara mengantisipasi risiko-risiko tersebut. anticipating those risks. The parameters used in
Adapun parameter yang digunakan dalam mengukur measuring the risk are total number of employees who
risiko-risiko yang mungkin akan timbul yaitu jumlah leave the Bank (employee turnover), significant
karyawan yang keluar (employee turnover), posisi positions not yet filled-in organizational structure,
penting yang belum terisi dalam struktur organisasi, length of period of Core Banking System’s down time
jangka waktu lamanya Core Banking System tidak (planned or unplanned) and number of unresolved
berjalan (system down time) (direncanakan maupun items.
tidak direncanakan) dan jumlah saldo-saldo yang
belum terselesaikan (gantungan).
Pengendalian risiko operasional tersebut juga melalui The controls of operational risk are also undertaken
Sistem Pengendalian Risiko antara lain pengawasan through Risk Control System which includes active
aktif Dewan Komisaris dan Direksi, serta kesesuaian control of the Boards of Commissioners and Directors,
kebijakan dan prosedur serta penetapan limit suitability of the policies and procedures and
transaksi. determination of transaction limit.
Risiko kepatuhan adalah risiko yang disebabkan Bank Compliance risk is the risk arising due to the
tidak mematuhi atau tidak melaksanakan ketentuan noncompliance by the Bank with prevailing regulations
Regulator dan ketentuan lain yang berlaku. of the Regulator and other laws.
Pada prakteknya risiko kepatuhan melekat pada Practice, compliance risks are inherent with the
risiko Bank yang terkait pada peraturan perundang- Bank’s risks in relation to prevailing laws and
undangan dan ketentuan lain yang berlaku, seperti regulations, such as to comply with Minimum Capital
terkait dengan ketentuan Kewajiban Pemenuhan Requirement, Quality of Earning Assets, Provisions of
Modal Minimum (KPMM), Kualitas Aset Produktif (KAP), Allowance for Impairment Loss, Legal Lending Limit,
Cadangan Kerugian Penurunan Nilai (CKPN), Batas market risks relating to requirement of Net Open
Maksimum Pemberian Kredit (BMPK), risiko pasar Position, strategic risks relating to requirement of
terkait dengan ketentuan Posisi Devisa Neto (PDN), the Bank’s Annual Budgeted Frameworks, Liquidity
risiko stratejik terkait dengan ketentuan Rencana Kerja Coverage Ratio (LCR), Net Stable Funding Ratio
Anggaran Tahunan (RKAT) Bank, Liquidity Coverage (NSFR), Interest Rate Risk in Banking Book (IRRBB),
Ratio (LCR), Net Stable Funding Ratio (NSFR), Interest and other risk that may arise relating to certain
Rate Risk in Banking Book (IRRBB), dan risiko lain yang regulations.
terkait dengan ketentuan tertentu.
106
Page 614
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
35 . INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 35 . ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
g. Manajemen Risiko (Lanjutan) g. Risk Management (Continued)
Risiko Operasional (Lanjutan) Operational Risk (Continued)
Untuk meminimalkan risiko kepatuhan di atas, Bank To minimize compliance risk above, the Bank needs to
mengelola risiko-risiko yang mungkin akan timbul manage risks that are likely to arise with anticipating
dengan cara mengantisipasi risiko-risiko tersebut. those risks. The parameters used in measuring the
Adapun parameter yang digunakan dalam mengukur risks which are likely to arise are LLL, NPL, adequacy of
risiko-risiko yang mungkin akan timbul yaitu BMPK, allowance, PDN, CAR, adequacy of Standard Operating
NPL, kecukupan PPAP, PDN, KPMM, kecukupan Procedures (SOP) as well as the things related to
Standard Operating Procedures (SOP) dan hal-hal yang Human Resources (HR), including remuneration and
menyangkut Sumber Daya Manusia (SDM) termasuk training that must be given to the employees.
remunerasi dan pelatihan yang harus diberikan kepada
setiap karyawan.
Pengendalian risiko kepatuhan tersebut juga melalui The controls of compliance risk are also undertaken
Sistem Pengendalian Risiko antara lain pengawasan through the Risk Control System which includes active
aktif Dewan Komisaris dan Dewan Direksi serta supervision of the Boards of Commissioners and Board
ketepatan kebijakan dan prosedur Bank. of Directors also the appropriateness of the Bank’s
policies and procedures.
Risiko Reputasi Reputation Risk
Risiko reputasi adalah risiko yang antara lain Reputation risk is the risk arising due to negative
disebabkan oleh adanya publikasi negatif yang terkait publication of the Bank’s business or negative
dengan kegiatan usaha Bank atau persepsi negatif perception to the Bank.
terhadap Bank.
Reputasi berkaitan erat dengan kepercayaan. Tanpa Reputation is closely related with trust. Without
reputasi, maka kepercayaan tidak akan ada karena reputation, there will be no trust since reputation is a
reputasi merupakan komponen yang sangat penting crucial component in a banking industry. Reputation is
bagi usaha perbankan. Reputasi merupakan salah satu one of the Bank’s precious assets, nonetheless it is
aset Bank yang terpenting, namun justru paling sulit also the most difficult to guard. Reputation can be
untuk dilindungi. Reputasi bisa menjadi suatu a competitive advantage, but also potential to be
keunggulan kompetitif, namun berpotensi untuk damaged due to development of media and
rusak terutama karena perkembangan media dan communication, more tightened regulations and
komunikasi, regulasi yang makin ketat, dan loyalitas decrease in customers’ loyalty.
nasabah yang menurun.
Untuk mengidentifikasi risiko reputasi pada Bank, In identifying the Bank’s reputation risk, components
komponen atau kegiatan yang diukur meliputi kredit, or activities measured include credit, treasury and
treasuri dan investasi, operasional dan jasa, teknologi investment, operation and service, technology
sistem informasi dan sistem informasi manajemen information system and management information
(MIS), dan sumber daya manusia. system (MIS), and human resources.
Pengendalian risiko reputasi tersebut juga melalui The controls of reputation risk management are also
Sistem Pengendalian Risiko antara lain pengawasan undertaken through the Risk Control System which
aktif Dewan Komisaris dan Dewan Direksi serta including active control of Boards of Commissioners
kecukupan kebijakan dan prosedur Bank. and Board of Directors and adequacy of the Bank’s
policies and procedures.
107
Page 615
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
35 . INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 35 . ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
g. Manajemen Risiko (Lanjutan) g. Risk Management (Continued)
Risiko Strategis Strategic Risk
Risiko strategis adalah risiko akibat akibat Strategic risk is the risk arising due to inaccuracies in
ketidaktepatan dalam pengambilan dan/atau the making and/or in the implementation of the
pelaksanaan suatu keputusan stratejik serta strategic decision and failure in anticipating the
kegagalan dalam mengantisipasi perubahan changes in the business environment. Strategic risk
lingkungan bisnis. Risiko strategis dapat bersumber can be derived from the weakness in the strategy
antara lain dari kelemahan dalam proses formulasi formulation and inadequate Management Information
strategi dan ketidaktepatan dalam perumusan strategi, Systems, inadequate results of the analysis of the
Sistem Informasi Manajemen yang kurang memadai, internal and external environment, aggressive strategic
hasil Analisa lingkungan internal dan eksternal yang goal setting, inaccuracy in the implementation of the
kurang memadai, penetapan tujuan strategis yang strategy, and the failure in anticipating the changes in
terlalu agresif, ketidaktepatan dalam implementasi the business environment.
strategi, dan kegagalan mengantisipasi perubahan
lingkungan bisnis.
Untuk meminimalkan risko strategis di atas, Bank To minimize strategic risk above, the Bank needs to
mengelola risiko-risiko yang mungkin akan timbul manage the risks which are likely to arise with
dengan cara mengantisipasi risiko-risiko tersebut. anticipating those risks. The parameters used in
Adapun parameter yang digunakan dalam mengukur measuring the risks which are likely to arise are the
risiko-risiko yang mungkin akan timbul yaitu Realisasi Realization of Loans, Realization of Third Party Funds,
Kredit, Realisasi Dana Pihak Ketiga, Realisasi Realization of Profit and Actual Asset Achievement
Pencapaian Laba dan Realisasi Pencapaian Aset compared to Bank Business Plan.
dibandingkan dengan Rencana Bisnis Bank.
Pengendalian risiko strategis tersebut juga melalui The controls of strategic risk are also undertaken
Sistem Pengendalian Risiko antara lain Pengawasan through the Risk Control System which includes active
Aktif Dewan Komisaris dan Dewan Direksi serta Board of Commissioners and Board of Directors and
kecukupan kebijakan dan prosedur bank. the adequacy of the Bank’s policies and procedures.
Risiko Hukum Legal Risk
Risiko hukum adalah risiko akibat tuntutan hukum Legal risk is the risk arising due to lawsuits and/or
dan/atau kelemahan aspek yuridis. weaknesses in juridical aspects.
Risiko hukum dapat bersumber antara lain dari Legal risk can be derived by the weakness in juridical
kelemahan aspek yuridis yang disebabkan oleh aspects caused by the lack of engagement undertaken
lemahnya perikatan yang dilakukan oleh Bank, by the Bank, the absence and/or changes in the laws
ketiadaan dan/atau perubahan peraturan perundang- and regulations that lead to a transactions that has
undangan yang menyebabkan suatu transaksi yang been conducted by the Bank were not in accordance
telah dilakukan Bank menjadi tidak sesuai dengan with the regulation, and the litigation process both
ketentuan yang akan ada, dan proses litigasi baik yang arising from the lawsuit of third-party against Bank and
timbul dari gugatan pihak ketiga terhadap Bank the Bank against the third-party.
maupun Bank terhadap pihak ketiga.
Bank mengidentifikasi dan mengukur risiko hukum The Bank identifies and measures its legal risk in its
pada aktivitas yang ada di Bank, meliputi: perkreditan, activities such as: credit, treasury and investment,
treasuri dan investasi, operasional dan jasa operations and trade finance services, information
pembiayaan perdagangan, teknologi sistem informasi technology systems and MIS, and human resource
dan MIS, dan pengelolaan sumber daya manusia yang management as well as the components or activities
meliputi komponen-komponen atau kegiatan-kegiatan on the frequency of external and internal lawsuits,
tentang frekuensi tuntutan hukum dari pihak eksternal appropriateness of third-party agreements and the
dan internal, kesesuaian perjanjian dengan pihak completeness of the binding collateral.
ketiga dan kelengkapan pengikatan agunan.
Pengendalian risiko hukum dilaksanakan melalui The controls of legal risk are also undertaken through
Sistem Pengendalian Risiko antara lain pengawasan the Risk Control System which includes active
aktif Dewan Komisaris dan Dewan Direksi serta monitoring of Boards of Commissioners and Board of
kesesuaian terhadap kebijakan dan prosedur serta Directors and adequacy of the Bank’s policies and
penetapan limit. procedures and the determination of limit.
108
Page 616
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
35 . INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 35 . ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
h. Manajemen Risiko Permodalan h. Capital Risk Management
Bank memelihara modal yang dikelola untuk The Bank maintains its managed capital base to cover
mengatasi risiko yang melekat dalam bisnis inherent risks in the banking business. The adequacy
perbankan. Kecukupan modal Bank dipantau of the Bank’s capital is monitored using a Capital
menggunakan rasio Kewajiban Penyediaan Modal Adequacy Ratio (CAR), as required by Bank Indonesia.
Minimum (KPMM) sebagaimana disyaratkan oleh Bank
Indonesia.
Pengelolaan modal Bank berfokus pada kepatuhan The Bank’s capital management focuses on
terhadap jumlah modal minimum yang disyaratkan compliance with the minimum required capital and
dan pemeliharaan rasio KPMM yang memadai untuk maintenance of an adequate CAR to finance and
membiayai dan menopang operasi dan untuk sustain its day-to-day operations and to maximize
memaksimalkan nilai kepemilikan pemegang saham. ownership value. The Bank may change its capital
Bank dapat mengubah struktur modal apabila terjadi structure based on changes of economic conditions
perubahan kondisi ekonomi dan karakteristik risiko and risk characteristics of business. One of the capital
bisnis. Salah satu strategi dalam manajemen modal management strategies is issuance of capital stock.
adalah penerbitan saham. Pengelolaan modal Capital management is performed by the Bank’s Board
dilakukan oleh Dewan Direksi dan Dewan Komisaris of Directors and Board of Commissioners.
Bank.
Sejak tanggal 2 Februari 2016, Bank menghitung Since February 2, 2016, the Bank calculates its capital
kebutuhan modal berdasarkan Peraturan Otoritas requirements in accordance with Financial Services
Jasa Keuangan (POJK) No. 11/POJK.03/2016 dan Authority Regulation (POJK) No. 11/POJK.03/2016
No. 34/POJK.03/2016 di mana modal yang diwajibkan and No. 34/POJK.03/2016 where the regulatory
regulator dianalisis dalam dua tier sebagai berikut: capital is analyzed into two tiers as follows:
- Modal inti (tier 1), yang terdiri dari modal inti utama - Core capital (tier 1), which consists of core and
dan modal inti tambahan (AT-1). Modal inti utama additional core capital (AT-1). Core capital includes
terdiri dari modal diterbitkan dan disetor penuh dan issued and fully paid-up capital and disclosed
cadangan tambahan modal. Cadangan tambahan reserves. Disclosed reserves consist of the addition
modal terdiri dari faktor penambah yang terdiri dari factors such as additional paidin capital, general
agio saham biasa, cadangan umum, dana setoran reserve, capital advance, prior year profits, profit for
modal, laba tahun-tahun lalu, laba tahun berjalan, the year and other comprehensive income deriving
serta penghasilan komprehensif lain berupa selisih from gain from financial statements translation,
lebih penjabaran laporan keuangan, potensi potential gain from the changes in fair value of
keuntungan yang berasal dari peningkatan nilai financial assets classified as available-for-sale and
wajar aset keuangan dalam kelompok tersedia surplus from revaluation of fixed assets. Disclosed
untuk dijual dan saldo surplus revaluasi aset tetap. reserves also consist of deduction factors such as
Cadangan tambahan modal juga terdiri dari faktor losses from financial statements translation,
pengurang yang terdiri dari selisih kurang potential losses from the changes in fair value of
penjabaran laporan keuangan, potensi kerugian financial assets classified as available-for-sale,
yang berasal dari penurunan nilai wajar aset shortfall between allowance for losses on productive
keuangan dalam kelompok tersedia untuk dijual, assets (PPA) and allowance for impairment losses
selisih kurang antara Penyisihan Penghapusan Aset on productive assets (CKPN), and shortfall between
(PPA) atas aset produktif dan Cadangan Kerugian amount adjusted to the valuation result of financial
Penurunan Nilai (CKPN) atas aset produktif, serta instruments in Trading Book and amount adjusted
selisih kurang antara jumlah penyesuaian terhadap based on the financial accounting standards.
valuasi dari instrumen keuangan dalam Trading
Book dan jumlah penyesuaian berdasarkan standar
akuntansi keuangan.
- Modal inti utama harus diperhitungkan dengan - Core capital must be calculated with deduction
faktor pengurang berupa: aset pajak tangguhan, factors: deferred tax assets, goodwill, other
goodwill, aset takberwujud lainnya, kerugian atas intangible assets, losses from remeasurement
pengukuran kembali program pensiun manfaat of defined benefit pension program, asset
pasti, eksposur sekuritisasi aset dan penyertaan securitization exposures and investment in shares.
saham.
- Modal inti tambahan dapat berbentuk antara lain: - Additional core capital includes among others:
saham preferen, surat berharga subordinasi dan non-cumulative preference shares, subordinated
pinjaman subordinasi, di mana ketiganya bersifat securities and subordinated debts net of buyback
nonkumulatif setelah dikurangi pembelian kembali. portion.
- Modal pelengkap (tier 2) antara lain meliputi surat - Supplementary capital (tier 2) includes
berharga subordinasi dan pinjaman subordinasi subordinated securities and subordinated debts
serta cadangan umum (PPA) atas aset produktif and general allowance for uncollectible account on
sesuai ketentuan OJK. productive assets according to OJK requirements.
109
Page 617
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
35 . INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 35 . ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
h. Manajemen Risiko Permodalan (Lanjutan) h. Capital Risk Management (Continued)
Bank tidak mempunyai instrumen modal inti tambahan The Bank does not have any additional core capital
yang memenuhi kriteria peraturan OJK yang berlaku. instruments which meets the criteria under prevailing
OJK regulation.
Beberapa batasan berlaku untuk bagian-bagian modal Various limits have been set to the elements of
yang diwajibkan oleh regulator, antara lain bank wajib regulatory capital, such as banks are required to
menyediakan modal inti utama (Common Equity tier 1) provide Common Equity tier 1 at a minimum of 4.5%
paling rendah sebesar 4,5% dari ATMR dan modal inti from Risk Weighted Assets and core capital (tier 1)
(tier 1) paling rendah sebesar 6% dari ATMR. at a minimum of 6% from Risk Weighted Assets.
Batasan-batasan yang berlaku untuk bagian-bagian Certain limits are applied to the elements of regulatory
modal yang diwajibkan oleh regulator, antara lain capital, such as the effect of deferred taxation that has
pengaruh dari pajak tangguhan yang harus dikeluarkan to be excluded in determining the amount of retained
dalam menentukan jumlah saldo laba untuk modal earnings for tier 1 capital; and qualifying tier 2 capital
tier 1; dan modal tier 2 tidak boleh melebihi modal cannot exceed tier 1 capital. There is also a restriction
tier 1. Juga terdapat batasan jumlah penyisihan on the amount of collective impairment allowances
kerugian penurunan nilai yang diperkenankan untuk that could be included as part of tier 2 capital.
diperhitungkan sebagai bagian dari modal tier 2.
Aset Tertimbang Menurut Risiko (ATMR) dihitung The Risk Weighted Assets (RWA) are determined in
berdasarkan persyaratan yang telah ditentukan yang accordance with specified requirements that reflect
mencerminkan berbagai tingkatan risiko yang melekat various levels of risk attached to assets and exposures
pada aset dan eksposur yang tidak tercermin dalam not reflected in the statement of financial position.
laporan posisi keuangan. Berdasarkan peraturan OJK, Based on OJK regulation, the Bank needs to take
Bank diharuskan untuk mempertimbangkan risiko into consideration its credit risk, market risk and
kredit, risiko pasar dan risiko operasional dalam operational risk in measuring the RWA.
mengukur ATMR.
Kebijakan Bank adalah memelihara tingkat The Bank’s policy is to maintain a strong capital base
permodalan yang kuat untuk menjaga kepercayaan in order to maintain investor, creditor and market
investor, kreditur dan pasar, dan untuk mendukung confidence, and to sustain future development of
perkembangan usaha di masa depan. Pengaruh the business. The impact of the level of capital on
tingkat permodalan terhadap tingkat pengembalian shareholders return is also considered and the
ke pemegang saham juga diperhitungkan dan Bank Bank also recognizes the need to maintain a balance
berupaya untuk menjaga keseimbangan antara between higher returns, that might be possible with
tingkat pengembalian yang tinggi, yang dimungkinkan greater gearing, and the advantages and security level
dengan gearing yang lebih besar, serta keuntungan- afforded by a strong capital position.
keuntungan dan tingkat keamanan yang diperoleh dari
posisi permodalan yang kuat.
Manajemen menggunakan rasio permodalan yang Management uses regulatory capital ratio in order to
diwajibkan regulator untuk memantau permodalan monitor Bank’s capital base. OJK’s approach to such
Bank. Pendekatan OJK untuk pengukuran ini terutama measurement is primarily based on monitoring the
didasarkan pada pemantauan hubungan antara profil relationship between the Bank’s risk profile and the
risiko Bank dengan ketersediaan modal. Bank wajib available capital. The Bank is required to provide
menyediakan modal minimum sesuai profil risikonya. minimum capital based on its risk profile.
Penyediaan modal minimum sebagaimana dimaksud Specific valuation techniques used to determine the
ditetapkan sebagai berikut: financial instruments value include of:
• 8% dari ATMR untuk bank dengan profil risiko • 8% of RWA for bank with risk rating 1.
peringkat 1.
• 9% sampai dengan kurang dari 10% dari ATMR • 9% up to less than 10% of RWA for bank with risk
untuk bank dengan profil risiko peringkat 2. rating 2.
• 10% sampai dengan kurang dari 11% dari ATMR • 10% up to less than 11% of RWA for bank with risk
untuk bank dengan profil risiko peringkat 3. rating 3.
• 11% sampai dengan 14% dari ATMR untuk bank • 11% up to 14% of RWA for bank with risk rating 4.
dengan profil risiko peringkat 4.
Pada tanggal 31 Desember 2025, modal inti Bank As of December 31, 2025, the Bank’s core capital
adalah sebesar Rp5.920.846.000.000 (nilai penuh). amounting to Rp5,920,846,000,000 (full amount).
110
Page 618
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
35 . INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 35 . ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
h. Manajemen Risiko Permodalan (Lanjutan) h. Capital Risk Management (Continued)
Berdasarkan Peraturan Otoritas Jasa Keuangan Based on Financial Services Authority Regulation
(POJK) No. 6/POJK.03/2016 tentang Kegiatan Usaha (POJK) No. 6/POJK.03/2016 on Business Operations
dan Jaringan Kantor Berdasarkan Modal Inti Bank, and Office Network Based on Core Capital Bank,
Bank Umum Kegiatan Usaha (BUKU) 2 dengan modal Business Activities Conventional Commercial Banks
inti paling sedikit sebesar Rp1.000.000.000.000 (BUKU) 2 with core capital up at least of
(nilai penuh) sampai dengan kurang dari Rp1,000,000,000,000 (full amount) to less than
Rp5.000.000.000.000 (nilai penuh) hanya dapat Rp5,000,000,000,000 (full amount) only can do:
melakukan:
1. Kegiatan Usaha dalam Rupiah dan valuta asing 1. Business Activity in Rupiah and foreign currency
yang meliputi: which includes:
a. kegiatan penghimpunan dana yang a. fundraising activities which are basic
merupakan produk atau aktivitas dasar; products or activities;
b. kegaiatan penyaluran dana yang b. fund distribution activities which are basic
merupakan produk atau aktivitas dasar products or activities with a wider scope;
dengan cakupan yang lebih luas;
c. kegiatan pembiayaan perdagangan (trade c. trade finance activities;
finance);
d. kegiatan dengan cakupan yang lebih luas d. activities with a wider scope for agencies
untuk keagenan dan kerjasama; and cooperation;
e. kegiatan system pembayaran dan electronic e. payment system and electronic banking
banking dengan cakupan yang lebih luas; activities with a wider scope;
f. kegiatan treasuri secara terbatas; dan jasa f. limited treasury activities; and other
lainnya. services.
2. Kegiatan penyertaan modal pada lembaga 2. Equity participation activities in financial
keuangan di Indonesia; institutions in Indonesia;
3. Kegiatan penyertaan modal sementara dalam 3. Temporary capital investment activities in the
rangka penyelamatan kredit; dan context of savings credit; and
4. Kegiatan lain yang lazim dilakukan oleh Bank 4. Other activities commonly performed by the
sepanjang tidak bertentangan dengan peraturan Bank as long as not contrary to the statutory
perundang-undangan. regulations.
Perhitungan rasio KPMM pada tanggal 31 Desember The calculation of CAR as of December 31, 2025 and
2025 dan 2024, adalah sebagai berikut: 2024, are as follows:
2 0 25 2 0 24
Modal inti (tier 1) 5.722.326 5.495.654 Core capital (tier 1)
Modal pelengkap (tier 2) 198.520 166.018 Supplementary capital (tier 2)
Jumlah modal inti dan Total core and
pelengkap 5.920.846 5.661.672 supplementary capital
Jumlah Aset Terimbang Total Risk Weighted
Menurut Risiko (ATMR): Assets:
Risiko kredit 15.881.647 13.281.529 Credit risk
Risiko pasar 85.596 60.535 Market risk
Risiko operasional 1.018.736 907.154 Operational risk
Jumlah 16.985.979 14.249.218 Total
Rasio Kewajiban Penyediaan
Modal Minimum 1 (KPMM) Capital Adequacy Ratio 1 (CAR)
Rasio CET 1 33,69% 38,57% Ratio CET 1
Rasio tier 1 33,69% 38,57% Ratio tier 1
Rasio tier 2 1,17% 1,17% Ratio tier 2
Rasio jumlah 34,86% 39,74% Ratio total
Rasio Kewajiban Penyediaan Minimum Capital
Modal Minimum 10,00% 10,00% Adequacy Ratio
111
Page 619
These Financial Statements are Originally
Issued in Indonesian Language.
PT BANK IBK INDONESIA Tbk PT BANK IBK INDONESIA Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million of Rupiah, unless otherwise stated)
35 . INFORMASI TAMBAHAN YANG TIDAK DIPERSYARATKAN 35 . ADDITIONAL INFORMATION THAT IS NOT REQUIRED BY
OLEH STANDAR AKUNTANSI KEUANGAN INDONESIA INDONESIAN FINANCIAL ACCOUNTING STANDARDS
(Lanjutan) (Continued)
i. Informasi Lainnya i. Other Information
a. Rasio aset produktif bermasalah terhadap jumlah a. The ratio of non-performing productive assets to
aset produktif pada tanggal 31 Desember 2025 total productive assets as of December 31, 2025
dan 2024 masing-masing adalah sebesar 1,12% and 2024 are 1.12% and 1.22%, respectively.
dan 1,22%.
b. Rasio loan to deposit (LDR) pada tanggal b. The ratio of loans to deposit (LDR) as of
31 Desember 2025 dan 2024 masing-masing December 31, 2025 and 2024 are 121.44% and
sebesar 121,44% dan 124,44%. 124.44%, respectively.
c. Return on Assets (ROA) untuk tahun yang berakhir c. Return on Assets (ROA) for the years ended
pada tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024 are 1.15% and
masing-masing adalah sebesar 1,15% dan 1,40%. 1.40%, respectively.
d. Return on Equity (ROE) untuk tahun yang berakhir d. Return on Equity (ROE) for the years ended
pada tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024 are 3.52% and
masing-masing adalah sebesar 3,52% dan 3,99%. 3.99% respectively.
e. Jaminan Pemerintah terhadap kewajiban e. Government guarantee on obligations of
pembayaran Bank Umum Berdasarkan Undang- Commercial Banks Based on Law No. 24
Undang No. 24 tentang Lembaga Penjaminan concerning the Indonesia Deposit Insurance
Simpanan (LPS) tanggal 22 September 2004, Agency (LPS) dated September 22, 2004,
efektif sejak tanggal 22 September 2005, effective on September 22, 2005, which was
sebagaimana diubah dengan Undang-Undang amended by Law No. 7 Year 2009 dated
No. 7 Tahun 2009 tanggal 13 Januari 2009 January 13, 2009 regarding the Determination
tentang Penetapan Peraturan Pemerintah of Government Regulation as Substitution of
Pengganti Undang-Undang No. 3 Tahun 2008, Law No. 3 Year 2008, LPS was formed to
LPS dibentuk untuk menjamin liabilitas tertentu guarantee certain liabilities of commercial banks
bank-bank umum berdasarkan program under the applicable guarantee program, which
penjaminan yang berlaku, yang besaran nilai the amount of guarantee can be adjusted if meet
jaminannya dapat berubah jika memenuhi kriteria certain criterias.
tertentu.
f. Berdasarkan Peraturan Pemerintah Republik f. In accordance with Indonesia Government
Indonesia No. 66 Tahun 2008 tanggal 13 Oktober Regulation No. 66 Year 2008 dated October 13,
2008, menyatakan bahwa besaran nilai simpanan 2008, the Deposit Insurance Agency (LPS) will
yang dijamin Lembaga Penjamin Simpanan (LPS) guarantee deposits of each customer in one
untuk setiap nasabah pada satu bank sebesar bank for maximum of Rp2,000,000,000 (full
maksimal Rp2.000.000.000 (nilai penuh). amount).
g. Sesuai UU No. 24 Tahun 2004 tentang Lembaga g. In accordance with Law No. 24 of 2004
Penjamin Simpanan yang diubah terakhir kali concerning the Deposit Insurance Corporation,
dengan UU No. 4 Tahun 2023 tentang as last amended by Law No. 4 of 2023 concerning
Pengembangan dan Penguatan Sektor Keuangan, the Development and Strengthening of the
dan Peraturan LPS (PLPS) No. 1 Tahun 2023 Financial Sector, and LPS Regulation (PLPS)
tentang Program Penjamin Simpanan, tingkat No. 1 of 2023 concerning the Deposit Insurance
bunga penjaminan periode 1 Oktober 2025 Program, the interest rate guarantee period
sampai dengan 31 Januari 2026 untuk simpanan October 1, 2025 up to January 31, 2026 for
di Bank Umum adalah 3,50% untuk mata uang deposits in Commercial Banks is 3.50% for Rupiah
Rupiah dan 2,00% untuk mata uang asing. and 2.00% for foreign currency.
h. Pada tanggal 31 Desember 2025 dan 2024, h. As of December 31, 2025 and 2024, the Bank
Bank adalah peserta dari program penjaminan was a participant of the guarantee program.
tersebut. Beban premi penjaminan yang Guarantee premium expense paid as of
dibayarkan pada tanggal 31 Desember 2025 December 31, 2025 and 2024 amounted to
dan 2024 masing-masing sebesar Rp22.583 Rp22,583 and Rp18,940, respectively (Note 21).
dan Rp18.940 (Catatan 21).
36 . PERISTIWA SETELAH TANGGAL PELAPORAN 36 . EVENTS AFTER REPORTING PERIOD
Tidak ada peristiwa signifikan yang terjadi setelah tanggal There were no significant events occurring after the
laporan keuangan sampai dengan tanggal persetujuan financial statements date until the approval on the
penerbitan laporan keuangan oleh Dewan Direksi. issuance of the financial statements by Board of Directors.
112
Page 620
Laporan Tahunan dan Laporan Keberlanjutan Annual Report and Sustainability Report 2025 Stable Growth through Customer Priority PT Bank IBK Indonesia Tbk Wisma GKBI Suite UG-01 Jl. Jend. Sudirman No. 28 Jakarta Pusat 10210, Indonesia (021) 5790 8888 (021) 5790 6888
Names mentioned 117 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Financial Services Authority
p.4 ×18
unresolved
org
Bank Business Awards
p.6
unresolved
org
Bank Branch Offices Nomination
p.7
unresolved
org
Bank Business Groups
p.7
unresolved
org
PT KPSS Financial Literacy Education
p.20
unresolved
org
PT KPSS Employees Bank IBK Indonesia
p.20
unresolved
org
PT Karawang Prima Sejahtera Steel
p.20 ×2
unresolved
org
Bank IBKlympics
p.22
unresolved
org
Koperasi Konsumen Karya Prima Nusantara
p.23
unresolved
org
Bank Awards
p.26 ×2
unresolved
org
PT TUV SUD Indonesia
p.27
unresolved
org
PT Pemeringkat Efek Indonesia
p.27
unresolved
org
Bank Indonesia
p.32 ×25
unresolved
org
Bank IBK
p.33 ×16
unresolved
person
Menutup
· Komisaris
p.62
unresolved
person
Kartini Muljadi
p.66 ×2
unresolved
org
Menteri Kehakiman Republik Indonesia
p.66
unresolved
org
Pengadilan Negeri
p.66
unresolved
person
MHum
p.66
unresolved
org
Minister of Justice
p.66
unresolved
—
Non- Operational
p.66
unresolved
org
PT Finconesia. Setelah
p.67
unresolved
org
PT Finconesia. After
p.67
unresolved
org
PT Finconesia
p.67 ×5
unresolved
org
PT Bank Finconesia
p.67 ×8
unresolved
org
PT Bank Agris. This
p.67
unresolved
org
Bank Agris Tbk.
p.67 ×49
unresolved
org
Bank Mitraniaga Tbk.
p.67 ×31
unresolved
org
Menteri Keuangan Republik Indonesia
p.69
unresolved
org
PT Finconesia’s
p.69
unresolved
org
Bank Financial Institution
p.69 ×2
unresolved
org
Minister of Finance
p.69
unresolved
org
Indonesia Stock Exchange
p.69
unresolved
org
PT Bank IBK Exchange
p.71
unresolved
org
Indonesia Tbk
p.71 ×10
unresolved
org
PT Pefindo.
p.71 ×2
unresolved
org
Bank Indonesia Certificates
p.75
unresolved
org
Bank IBK Indonesia ATM
p.79
unresolved
org
Bank IBK Indonesia ATM IBK Indonesia
p.79
unresolved
org
Bank Devisa
p.80
unresolved
org
Bank IBK Indonesia Trade Finance Features
p.81
unresolved
org
Bank IBK Indonesia Layanan Trade Finance Bank
p.81
unresolved
org
Bank Penerbit Letter
p.82
unresolved
org
Bank Remittance Service Features Berbagai
p.83
unresolved
org
Bank Spolka Akcyjna
p.85
unresolved
person
Ir. H. Djuanda
p.86
unresolved
person
Penyelesaian Sengketa
· Direktur Kepatuhan
p.87 ×2
unresolved
org
Insurance Corporation
p.87
unresolved
org
Risk Management Commitee
· Commissioner
p.91
unresolved
org
IBK Indonesia Tbk
p.95 ×6
unresolved
org
Dyviacom Intrabumi Tbk
p.98 ×4
unresolved
org
Bank Amro
p.99 ×4
unresolved
org
PT Bank HSBC
p.100 ×2
unresolved
org
Bank HSBC
2021); | Indonesia
p.100
unresolved
org
PT Bank Ekonomi Raharja
p.100 ×10
unresolved
org
PT Bank Barclays Indonesia
p.100 ×2
unresolved
org
Bank HSBC
(2005-2007). | Indonesia
p.100
unresolved
org
PT Bank Harfa Kantor Pusat
p.101
unresolved
org
PT Bank Harfa
p.101
unresolved
org
PT Bank Harfa Harfa Kantor Pusat
p.101
unresolved
org
PT Bank Harfa Cabang Malang
p.101
unresolved
org
PT Bank Harfa Malang Branch
p.101
unresolved
org
BPD Banten Tbk
p.104 ×4
unresolved
org
Bank Banten Indonesia Tbk
p.104 ×2
unresolved
org
PT Bank Banten
p.104 ×3
unresolved
org
Bank Pundi
p.104 ×2
unresolved
org
Penyehatan Perbankan
p.104
unresolved
org
Bank Restructuring
p.104
unresolved
org
Nominasi Bank IBK Indonesia Tbk
p.104
unresolved
org
Risk Monitoring Indonesia Tbk
p.106
unresolved
org
Departemen Perizinan dan Informasi Perbankan Otoritas Jasa
p.107
unresolved
org
Departemen Penelitian dan Pengembangan Perbankan Otoritas
p.107
unresolved
org
Departemen Perizinan dan Informasi Perbankan DPIP
p.107
unresolved
org
Departemen Pengawasan Perbankan
p.107 ×2
unresolved
org
PT Bank Harda Internasional
p.108 ×2
unresolved
org
Internasional Tbk
p.108 ×4
unresolved
org
Bank Pundi Indonesia Tbk
p.108 ×10
unresolved
org
Bank Mandiri Taspen
p.108 ×2
unresolved
org
Bank Eksekutif Internasional Tbk
p.109 ×14
unresolved
org
Bank Kesawan
p.109 ×2
unresolved
org
PT Great Eastern Life Indonesia
p.110 ×2
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