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Page 1
Membuka Jalan Semua Kemudahan
dalam Satu Genggaman
Opening Path to A Simple Life at
Your Fingertips
Laporan Tahunan & Laporan Keberlanjutan 2025 Annual Report & Sustainability Report
Page 2
Page 3
II Sanggahan ● Disclaimer Selamat datang di Laporan Tahunan PT Allo Bank Indonesia Welcome to the Annual Report of PT Allo Bank Indonesia Tbk dengan tema "Membuka Jalan Semua Kemudahan Tbk. with theme "Opening Path to A Simple Life at Your dalam Satu Genggaman". Laporan Tahunan ini diterbitkan Fingertips". This Annual Report is issued in accordance with sesuai dengan Peraturan Otoritas Jasa Keuangan No. OJK Regulation No. 9/SEOJK.03/2020 concerning Annual 29/POJK.04/2016 tentang Laporan Tahunan Emiten Report of Issuers or Public Companies and Circular Letter of atau Perusahaan Publik. Penyusunan Laporan Tahunan The Financial Services Authority No. 16/SEOJK.04/2021 the ini menggunakan ketentuan yang terdapat pada Surat Form and Content of The Annual Report of Issuers or Public Edaran Otoritas Jasa Keuangan No. 9/SEOJK.03/2020 Companies. tentang Transparansi dan Publikasi Laporan Bank Umum Konvensional dan Surat Edaran Otoritas Jasa Keuangan No. 16/SEOJK.04/2021 Tentang Bentuk dan Isi Laporan Tahunan Emiten Atau Perusahaan Publik. Laporan Tahunan ini dapat berisi beberapa pernyataan yang This Annual Report may contain several statements that consist merupakan proyeksi dan pandangan masa depan yang of future projections and views describing the Company’s menggambarkan cara pandang Bank terhadap kejadian- perspective on future financial events and performance, as kejadian dan kinerja keuangan di masa depan, serta kondisi well as financial conditions, operating and business results, keuangan, hasil operasi dan hasil usaha, kondisi ekonomi, economic conditions, sector conditions and related plans and kondisi sektor, kondisi lalu lintas, serta rencana dan tujuan objectives. terkait. Pandangan-pandangan ini didasarkan pada beberapa These perspectives are based on various current estimations estimasi dan asumsi saat ini yang dapat berubah seiring and assumptions that may change in line with uncertainties, dengan ketidakpastian, kontingensi dan berbagai risiko bisnis, contingencies, and various business, economic, and ekonomi, dan kompetisi yang dapat berubah sewaktu-waktu; competition risks that may change from at anytime; they dapat menyebabkan hasil kinerja, dan kejadian sebenarnya could cause actual results, performance and events to differ berbeda secara material dari yang telah diprediksi atau materially from those predicted or projected; and it is beyond diproyeksi, dan hal ini berada di luar kendali Bank dan Direksi the control of the Company and the Company’s Director Bank. Pernyataan-pernyataan tersebut tidak terkait baik Board. Such statements are not directly or exclusively related secara langsung maupun secara eksklusif dengan fakta-fakta to historical facts and do not reflect the Company’s intentions, historis dan tidak mencerminkan niat, rencana, ekspektasi, plans, expectations, assumptions and beliefs regarding future asumsi, dan keyakinan Bank mengenai kejadian-kejadian di events. There is no guarantee that future events will occur, masa mendatang. Tidak ada jaminan bahwa kejadian di masa projections will be achieved, or the Company’s assumptions mendatang akan muncul, proyeksi akan tercapai, atau asumsi are correct. These statements are not and should not be Bank benar. Pernyataan-pernyataan tersebut bukan dan tidak considered as a representation of the Company’s future dapat dianggap sebagai representasi atas kinerja Bank di performance. masa datang. Laporan Tahunan ini memuat kata “Allo Bank” dan “Bank” This Annual Report contains words such as “Allo Bank ” and yang didefinisikan sebagai PT Allo Bank Indonesia Tbk yang “Bank”, which are defined as PT Allo Bank Indonesia Tbk menjalankan kegiatan usaha di bidang jasa perbankan. that runs business activity in Banking sector. Terms for the Penyebutan satuan mata uang "Rupiah", “Rp”, atau “IDR” currency unit “Rupiah”, “Rp”, or “IDR” refers to the official merujuk pada mata uang resmi Republik Indonesia, currency of the Republic of Indonesia, whereas “US Dollar” sedangkan “Dolar AS” atau “USD” merujuk pada mata uang or “USD” refers to the official currency of the United States resmi Amerika Serikat. Semua informasi keuangan disajikan of America. The entire financial information is presented in dalam mata uang "Rupiah". Rupiah. Laporan dibuat dalam dua bahasa, yakni bahasa This Report made in two languages, namely in Bahasa Indonesia dan bahasa Inggris. Selain dalam edisi cetak, and English languages. In addition to print edition, this laporan serupa dapat diakses melalui situs resmi Bank Report can also be accessed in the Bank's official website, https://www.allobank.com. https://www.allobank.com.
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1
Sekapur Sirih
● A Few Brief Introductory Words
MEMBUKA JALAN SEMUA KEMUDAHAN
DALAM SATU GENGGAMAN
Opening Path to A Simple Life at Your Fingertips
Laporan Tahunan & Laporan Keberlanjutan 2025 Annual Report & Sustainability Report
Tema “Membuka Jalan Semua Kemudahan Allo Bank's Annual Report 2025 theme of
dalam Satu Genggaman” pada Laporan "Opening Path to A Simple Life at Your Fingertips"
Tahunan Allo Bank Tahun Buku 2025 represents the Company's commitment to
merepresentasikan komitmen Perseroan dalam providing integrated and easily accessible digital
menghadirkan layanan perbankan digital yang banking services through a single application
terintegrasi dan mudah diakses melalui satu platform. The Company has actualized this
platform aplikasi. Hal ini diwujudkan melalui commitment by developing a comprehensive
pengembangan portofolio produk dan layanan portfolio of digital banking products and services
perbankan digital yang komprehensif, baik untuk for both its retail and its corporate segments.
segmen ritel maupun korporasi, dengan proses This platform uses an end-to-end digital service
layanan yang dirancang secara digital end-to- process that enhances convenience and
end guna meningkatkan kemudahan, efisiensi, efficiency, and boosts customer experience quality.
dan kualitas pengalaman nasabah dalam
bertransaksi.
Pada aspek transaksi dan sistem pembayaran, In terms of its transactions and payment
Perseroan memperkuat berbagai fitur utama systems, the Company has strengthened
seperti pembayaran QRIS, transfer dana, various key features such as QRIS payments,
pembayaran tagihan, pengisian saldo, serta fund transfers, bill payments, balance top-ups,
layanan tarik dan setor tunai untuk mendukung and cash withdrawal and deposit services to
kebutuhan transaksi harian secara aman dan support daily transaction needs to provide safety
praktis. Inisiatif tersebut didukung oleh program and convenience for customers. This initiative
loyalitas serta pengembangan kemitraan has the support of a loyalty program, and has
strategis, baik melalui sinergi dengan ekosistem also seen the Company developing strategic
Grup CT Corp maupun perluasan kolaborasi partnerships, whether through synergies with the
dengan berbagai sektor industri. CT Corp Group ecosystem or through expanded
collaborations with various industry sectors.
Laporan Tahunan & Laporan Keberlanjutan ● 2025 PT ALLO BANK INDONESIA TBK
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2 PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
Page 6
3 Performa 2025 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Kilas Kinerja 2025
● 2025 Performance Highlights
KINERJA OPERASIONAL
OPERATIONAL PERFORMANCE
22,23
Kinerja Produk Kredit
%
Lending Product Performance
Rp
9.140.731 Million
Juta
56,17
Dana Pihak Ketiga
%
Third Party Funds
Rp
9.518.989 Juta
Million
Laporan Tahunan & Laporan Keberlanjutan ● 2025 PT ALLO BANK INDONESIA TBK
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4
Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
KINERJA KEUANGAN
FINANCIAL PERFORMANCE
32,08
Aset
%
Assets
Rp
18.470.073 Million
Juta
SELF ASSESSMENT GCG
GCG SELF ASSESSMENT
Bank telah melakukan penilaian sendiri
(self assessment) terhadap penerapan
tata kelola (Good Corporate Governance)
yang dilakukan oleh pihak internal
dengan mempertimbangkan berbagai
faktor penilaian secara komprehensif dan
terstruktur, yang mencakup governance
37,09 %
structure, governance process, dan
governance outcome. Pada tahun 2025, self
assessment penerapan GCG Bank meraih
nilai komposit “BAIK”.
The Bank has conducted a self-assessment
of its Good Corporate Governance
implementation, conducted internally,
taking into account various comprehensive
and structured assessment factors, Pendapatan Operasional
including governance structure, governance Operating Income
processes, and governance outcomes. In
1.983.391 Juta
2025, the Bank's self-assessment of GCG
implementation achieved a composite score Rp
of "GOOD."
Million
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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5 Performa 2025 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Daftar Isi
● Table of Content
Analisis dan
II Sanggahan 74 Wilayah Operasional 4 Pembahasan
Disclaimer Operational Area
1 Sekapur Sirih
A Few Brief Introductory Words
75 Struktur Organisasi
Organizational Structure
Manajemen
Management Discussion and
3 Kilas Kinerja 2025 77 Visi, Misi, dan Budaya Perusahaan
Analysis
2025 Performance Highlights Vision, Mission, and Corporate Culture
5 Daftar Isi 79 Makna Logo dan Moto Perusahaan
Table of Content Meaning Behind the Company’s
Logo and Motto 131 Tinjauan Perekonomian dan Industri
Economic and Industrial Review
80 Perubahan Komposisi Dewan Komisaris
Performa 2025 134 Tinjauan Perekonomian dan Industri
1
dan Direksi 2025
Changes in Composition of Board of Economic and Industrial Review
2025 Performance Commissioners and Board of Directors
135 Rencana dan Kebijakan Strategis
in 2025 Perusahaan
81 Profil Dewan Komisaris The Company's Strategic Plan and
Board of Commissioners Profile Policy
9 Ikhtisar Data Keuangan Penting
Key Financial Highlights 86 Profil Direksi 138 Tinjauan Operasional
Board of Directors Profile Operational Review
18 Ikhtisar Saham
Stock Overview 91 Profil Pejabat Eksekutif 143 Tinjauan Keuangan
Executive Officer Profile Financial Review
22 Informasi tentang Penerbitan Obligasi,
Sukuk, atau Obligasi Konversi 104 Sumber Daya Manusia 150 Kemampuan Membayar Utang dan
Information on Issuance of Bonds, Human Resources Tingkat Kolektibilitas Piutang
Sukuk, or Convertible Bonds Debt Repayment Capacity and
108 Pengelolaan dan Pengembangan Receivables Collectibility Level
22 Informasi Sumber Pendanaan Lainnya Kompetensi Karyawan
Information on Other Funding Sources Employee Competency Management 152 Struktur Modal dan Kebijakan
and Development Manajemen atas Struktur Modal
23 Kilas Peristiwa
Capital Structure and Capital Structure
Event Highlights 112 Struktur dan Komposisi Pemegang Management Policy
Saham
Shareholders Composition 155 Ikatan yang Material untuk Investasi
Barang Modal
Laporan Manajemen
2
117 Daftar Entitas Anak dan Entitas Material Commitments for Capital
Asosiasi, Ventura Bersama, dan Investments
Management Reports Kerja Sama Operasi
List of Subsidiaries, Associated Entities, 155 Realisasi Investasi Barang Modal
Joint Ventures and Joint Operations Capital Goods Investment Realization
31 Laporan Dewan Komisaris 118 Struktur Grup Perusahaan 156 Informasi Material mengenai Investasi,
Company Group Structure Ekspansi, Divestasi, Penggabungan
Board of Commissioners Report
Usaha, Akuisisi, dan/atau Restrukturisasi
41 Penjelasan Direksi 119 Keanggotaan dalam Asosiasi Utang/Modal
Board of Directors' Explanation Membership in Associations Material Information Regarding
Investment, Expansion, Divestment,
62 Surat Pernyataan Anggota Dewan 119 Kronologis Penerbitan dan
Pencatatan Saham Merger, Acquisition, and/or Debt/
Komisaris dan Direksi tentang Tanggung
Chronology of Issuance and/or Share Capital Restructuring
Jawab atas Laporan Tahunan 2025 PT
Allo Bank Indonesia Tbk Listing
157 Perbandingan antara Target Anggaran
Responsibility Statement of the Board dengan Realisasi dan Proyeksi Usaha
of Commissioners and Board of
120 Kronologis Penerbitan dan
Pencatatan Efek Lainnya Comparison of Budget Targets with
Directors for 2025 Annual Report of PT Chronology of Issuance and/or Share Realization and Business Projections
Allo Bank Indonesia Tbk Listing
158 Informasi dan Fakta Material yang
Terjadi Setelah Tanggal Laporan
121 Lembaga danProfesi Penunjang
Company’s Supporting Institutions and/ Akuntan
Profil Perusahaan
3
or Professionals Material Information and Facts Occurring
After the Accountant's Report Date
Company Profile 123 Penghargaan dan Sertifikasi
Awards and Certifications 158 Prospek Usaha
Business Prospects
124 Informasi pada Situs Web Perusahaan
Information on the Company Website 160 Aspek Pemasaran
65 Informasi Umum dan Identitas Marketing Aspects
Perusahaan 126 Pendidikan dan/atau Pelatihan Dewan
General Information and Company Komisaris, Direksi, Komite-Komite, 162 Kebijakan Dividen dan Pembagiannya
Identity Sekretaris Perusahaan, dan Unit Audit Dividend Policy and Distribution
Internal
67 Riwayat Singkat Perusahaan Education and/or Training for Board
163 Kontribusi terhadap Negara
Brief History of the Company Contributions to the State
of Commissioners, Board of Directors,
70 Informasi Perubahan Nama Committees, Corporate Secretary, and 164 Informasi tentang Program Kepemilikan
Change of Name Information Internal Audit Unit Saham oleh Karyawan dan/atau
Manajemen (ESOP/MSOP)
71 Jejak Langkah Allo Bank Information on Employee and/
Allo Bank Milestones or Management Stock Ownership
Programs (ESOP/MSOP)
73 Kegiatan Usaha dan Pasar yang
Dilayani
165 Informasi tentang Realisasi Penggunaan
Business Activities and Markets Served Dana Hasil Penawaran Umum
Information on the Realization of the
Use of Proceeds from Public Offerings
Laporan Tahunan & Laporan Keberlanjutan ● 2025 PT ALLO BANK INDONESIA TBK
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6
Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
167 Informasi Transaksi Material yang 382 Kebijakan Nominasi dan Remunerasi 474 Kesesuaian Penerapan GCG
Mengandung Benturan Kepentingan Dewan Komisaris dan Direksi Allo Bank terhadap Pedoman Tata
dan/atau Transaksi dengan Pihak Nomination and Remuneration Policy of Kelola Perusahaan Terbuka
Afiliasi/Pihak Berelasi Boards of Commissioners and Directors Conformity of Allo Bank GCG
Information on Material Transactions Implementation with Governance
Containing Conflicts of Interest and/ 386 Organ Pendukung Dewan Komisaris Guidelines for Public Companies
Board of Commissioners Supporting
or Transactions with Affiliated/Related
Parties
Organ 480 Transparansi Praktik Bad Governance
Transparency of Bad Governance
171 Informasi Keuangan yang Mengandung 414 Organ Pendukung Direksi
Practice
Supporting Organ of Board of Directors
Kejadian yang Bersifat Luar Biasa dan
Jarang Terjadi 434 Audit Eksternal/Akuntan Publik
Financial Information Containing External Audit/Public Accountant
Laporan
6
Extraordinary and Rare Events
436 Manajemen Risiko
171 Perubahan Peraturan Perundang-
Undangan yang Berpengaruh
Risk Management
Keberlanjutan
Signifikan terhadap Perusahaan 447 Sistem Pengendalian Internal dan Sustainability Report
Pengendalian Internal atas Pelaporan
Changes in Legislation that Significantly
Keuangan
Impact the Company
Internal Control System and Internal
178 Perubahan Kebijakan Akuntansi dan Controls over Financial Reporting
483 Ikhtisar Kinerja Keberlanjutan 2025
Dampaknya terhadap Perusahaan
2025 Sustainable Performance
Changes in Accounting Policies and Their 452 Perkara Penting
Litigation Highlights
Impact on the Company
454 Akses Informasi dan Data Perusahaan 485 Penjelasan Direksi
179 Informasi Kelangsungan Usaha
Access to Information and Company Board of Directors' Explanation
Business Continuity Information
Data
181 Pengungkapan Permodalan dan 494 Strategi Keberlanjutan Allo Bank
Manajemen Risiko 455 Kode Etik dan Budaya Perusahaan Allo Bank Sustainability Strategy
Code of Conduct and Corporate
Capital and Risk Management
Disclosures
Culture 499 Tentang Laporan
Keberlanjutan
199 Uraian Kualitatif dan Kuantitatif terkait 458 Penerapan Program Anti Pencucian About this Sustainability Report
Uang, Pencegahan Pendanaan
Permodalan dan Eksposur Risiko
Qualitative and Quantitative Description
Terorisme dan Pencegahan Pendanaan 501 Profil Perusahaan
Proliferasi Senjata Pemusnah Massal Company Profile
of Capitalization and Risk Exposure
Implementation of Anti-Money
Laundering, Counter-Terrorist 506 Tata Kelola Berkelanjutan
Sustainable Governance
Financing, and Counter-Proliferation
Tata Kelola
5
Financing of Weapons of 517 Kinerja Keberlanjutan
Mass Destruction Program Sustainability Performance
Perusahaan 463 Perlakuan yang Sama terhadap Seluruh 549 Verifikasi Tertulis dari Pihak Independen
yang Baik
Pemegang Saham Written Verification from an
Equal Treatment for All Shareholders Independent Party
Good Corporate Governance 463 Pemberian Dana untuk Kegiatan Sosial 550 Lembar Umpan Balik
dan Politik Feedback Sheet
Providing Funds for Social and Political
Activities 552 Tanggapan terhadap Umpan Balik
Laporan Tahun Sebelumnya
305 Prinsip Dasar Penerapan Tata Kelola
Perusahaan yang Baik 464 Penyediaan Dana kepada Pihak Terkait Response to the Previous Year's Report
Basic Principles of Implementing Good dan Penyediaan Dana Besar Feedback
Corporate Governance Provision of Funds to Related Parties
and Provision of Large Funds 553 Daftar Pengungkapan Sesuai POJK 51/
POJK.03/2017
309 Perkembangan Penerapan Tata Kelola
Perusahaan yang Baik 465 Buy Back Share dan/atau Buyback List of Disclosures in Accordance with
Development of Good Corporate Obligasi Bank POJK 51/POJK.03/2017
Governance Implementation Buy Back Shares and/or Buyback Bank
Bonds
311 Penilaian Penerapan Tata Kelola
Laporan
7
Perusahaan yang Baik 466 Transaksi yang Mengandung Benturan
Assessment of Good Corporate Kepentingan dan/atau Transaksi
Governance Implementation dengan Pihak Afiliasi/Pihak Berelasi
Transactions Involving Conflicts of
Keuangan
315 Struktur Tata Kelola Perusahaan yang Interest Financial Statements
Baik
Good Corporate Governance Structure 468 Program Kepemilikan Saham oleh
Manajemen dan/atau Karyawan
317 Rapat Umum Pemegang Saham Share Ownership Program for
General Meeting of Shareholders Management and/or Employees
333 Dewan Komisaris 469 Internal Fraud
Board of Commissioners Internal Fraud
345 Komisaris Independen 470 Kebijakan Anti Korupsi
Independent Commissioner Anti-Corruption Policy
348 Direksi 471 Whistleblowing System
Board of Directors Whistleblowing System
362 Transparansi Informasi Terkait Dewan
Komisaris dan Direksi
Transparency of Information Regarding
the Board of Commissioners and Board
of Directors
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
Page 10
Laporan Tahunan & Laporan Keberlanjutan ● 2025 PT ALLO BANK INDONESIA TBK
Page 11
01
Performa
2025
Performance
2025
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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9 Performa 2025 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Ikhtisar Data
Keuangan Penting
● Key Financial Highlights
Laporan Laba (Rugi) dan Penghasilan Komprehensif Lain
Profit (Loss) and Comprehensive Income Statement
Uraian
2025 2024 2023 2022 2021
Description
dalam jutaan Rupiah | In million Rupiah
Pendapatan Operasional 1.983.391 1.446.728 1.159.330 760.749 301.156
Operating Income
Pendapatan Bunga Bersih 1.440.818 1.117.502 1.036.755 627.229 195.318
Net Interest Income
Pendapatan Operasional selain Bunga 542.573 329.226 122.575 133.520 105.838
Other Operating Income
Biaya Kerugian Penurunan Nilai Aset Keuangan (437.377) (113.880) (47.942) (44.262) 2.997
Allowance for Impairment Losses on Financial Asset
Biaya Operasional (808.119) (734.025) (535.827) (359.884) (84.005)
Operating Expenses
Laba (Rugi) Operasional 737.895 598.823 575.561 356.603 220.148
Operating Profit (Loss)
Pendapatan Non Operasional (876) 127 (287) (4.291) (148)
Non-Operating Income
Laba/(Rugi) Sebelum Pajak Penghasilan 737.019 598.950 575.274 352.312 220.000
Profit/(Loss) Before Income Tax
Laba/(Rugi) Bersih 574.262 467.106 444.566 270.030 192.475
Net Profit/(Loss)
Pendapatan/(Beban) Komprehensif Lainnya 20.871 (86.445) 39.283 15.967 15.283
Other Comprehensive Income/(Expenses)
Total Laba Komprehensif 595.133 380.661 483.849 285.997 207.758
Total Comprehensive Profit
Laba Bersih per Saham (dalam Rupiah penuh) 26,46 21,50 20,46 12,43 24,26
Earnings per Share (in full Rupiah amount)
Laporan Tahunan & Laporan Keberlanjutan ● 2025 PT ALLO BANK INDONESIA TBK
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10
Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
Pendapatan Bunga Bersih
Net Interest Income (Rp juta | million)
1.440.818
1.117.502
1.036.755
627.229
195.318
● 2025 2024 2023 2022 2021
Laba/(Rugi) Sebelum Pajak
Profit/(Loss) Before Tax (Rp juta | million)
737.019
598.950
575.274
352.312
220.000
● 2025 2024 2023 2022 2021
Total Laba Komprehensif
Total Comprehensive Profit (Rp juta | million)
595.133
483.849
380.661
285.997
207.758
● 2025 2024 2023 2022 2021
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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11 Performa 2025 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Laporan Posisi Keuangan
Statement of Financial Positiont
Uraian
2025 2024 2023 2022 2021
Description
dalam jutaan Rupiah | In million Rupiah
Aset
Assets
Aset Produktif 17.588.906 13.319.824 12.184.632 10.431.565 4.182.567
Productive Assets
Kredit yang Diberikan 9.140.731 7.478.035 7.385.708 7.205.558 2.198.243
Loans
Efek-Efek 7.539.264 2.847.270 3.182.839 1.896.710 1.814.862
Marketable Securities
Reverse Repo 288.949 288.706 - 764.529 -
Reverse Repo
Penempatan pada BI - 499.927 199.971 374.938 99.985
Placement with BI
Penempatan pada Bank Lain 613.370 2.205.886 1.416.114 189.830 69.478
Placement with Other Banks
Aktiva Tetap & Inventaris 221.069 272.539 202.524 154.809 30.123
Fixed Assets & Inventories
Agunan yang Diambil Alih - - - - 221.004
Foreclosed Collaterals
Jumlah Aset 18.470.073 13.984.014 12.750.435 11.058.957 4.649.357
Total Assets
Liabilitas & Ekuitas
Liabilities & Equity
Dana Pihak Ketiga 9.518.989 6.095.118 4.898.665 4.415.491 2.124.024
Third Party Funds
Giro 540.588 85.336 48.190 39.700 165.640
Current Accounts
Tabungan 938.258 693.272 465.110 309.249 103.662
Saving Accounts
Deposito 8.040.143 5.316.510 4.385.365 4.066.542 1.854.722
Time Deposits
Simpanan dari Bank Lain 300.047 5.224 45.000 - 161.203
Deposits from Other Banks
Kewajiban Surat Berharga Repo 754.056 286.522 611.288 - 960.445
Repo Securities Liabilities
Jumlah Liabilitas 10.964.028 6.718.277 5.865.359 4.647.688 3.346.086
Total Liabilities
Jumlah Ekuitas 7.506.045 7.265.737 6.885.076 6.411.269 1.303.271
Total Equity
Jumlah Liabilitas dan Ekuitas 18.470.073 13.984.014 12.750.435 11.058.957 4.649.357
Total Liabilities and Equity
Laporan Tahunan & Laporan Keberlanjutan ● 2025 PT ALLO BANK INDONESIA TBK
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Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
Jumlah Aset
Total Asset (Rp juta | million)
18.470.073
13.319.824
12.750.435
11.058.957
4.649.357
● 2025 2024 2023 2022 2021
Jumlah Liabilitas
Total Liabilities (Rp juta | million)
10.964.028
6.718.277
5.865.359
4.647.688
3.346.086
● 2025 2024 2023 2022 2021
Jumlah Ekuitas
Total Equity (Rp juta | million)
7.506.045
7.265.737
6.885.076
6.411.269
1.303.271
● 2025 2024 2023 2022 2021
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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13 Performa 2025 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Laporan Arus Kas
Statements of Cash Flows
Uraian
2025 2024 2023 2022 2021
Description
dalam jutaan Rupiah | In million Rupiah
Arus Kas dari Aktivitas Operasi
Cash Flows from Operating Activities
Pendapatan Bunga yang Diterima 1.753.169 1.515.562 1.299.219 774.175 314.316
Interest Income Received
Beban Bunga yang Dibayar (399.066) (368.804) (289.560) (134.222) (154.808)
Interest Expenses Paid
Pendapatan Operasional Lainnya 410.130 136.369 104.309 98.743 106.274
Other Operating Income
Penerimaan Kembali Aset yang Telah 24.017 14.953 18.266 243 -
Dihapusbukukan
Recoveries of Assets that Have Been Written Off
Laba (Rugi) Selisih Kurs - Bersih (48) - - - -
Net Exchange Rate Profit (Loss)
Beban Tenaga Kerja (198.128) (165.847) (147.240) (73.742) (57.228)
Personnel Expenses
Beban Administrasi dan Umum (492.904) (497.477) (336.206) (251.979) (32.810)
Administrative and General Expenses
Pembayaran Pajak Penghasilan (168.828) (115.242) (127.159) (78.895) (23.756)
Income Tax Payments
Beban Non Operasi - Bersih 4.014 (6.148) (18.176) (4.606) 1.140
Non-Operating Expenses - Net
Arus Kas dari Aktivitas Operasi Sebelum Perubahan 932.356 513.726 503.452 329.717 153.128
Aset dan Kewajiban
Cash Flows from Operating Activities Before Changes
in Assets and Liabilities
Perubahan dalam Aset dan Kewajiban Operasi:
Changes in Operating Assets and Liabilities:
Penempatan pada BI dan Bank Lain - - - - -
Placements with Bank Indonesia and Other Banks
Efek-Efek yang Dibeli dengan Janji Dijual Kembali (292) (288.657) 764.099 (764.099) -
Securities Purchased Under Resale Agreements
Kredit yang Diberikan (2.038.777) (92.327) (180.150) (5.025.843) (922.416)
Loans
Biaya Dibayar Dimuka (26.593) (2.772) 15.021 (37.941) (296)
Prepaid Expenses
Agunan yang Diambil Alih - - - 221.004 (16.517)
Foreclosed Assets
Aset Lain-Lain (327) (102.723) 40.901 71.640 (44.158)
Other Assets
Simpanan
Deposits
Giro 450.075 42.369 8.333 (131.485) (20.086)
Current Accounts
Tabungan 244.986 228.162 155.862 205.586 (3.631)
Saving Accounts
Deposito 3.023.633 886.145 363.824 2.056.320 818.110
Deposits
Kewajiban Surat Berharga Repo 467.534 (324.766) 611.288 (960.445) 244.923
Repo Securities Liabilities
Utang Pajak (3.174) 4.802 9.464 4.588 23.326
Taxes Payables
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Uraian
2025 2024 2023 2022 2021
Description
dalam jutaan Rupiah | In million Rupiah
Kewajiban Lain-Lain 36.879 7.768 56.003 121.184 26.482
Other Liabilities
Arus Kas Bersih Diperoleh dari Aktivitas Operasi 3.086.300 871.727 2.348.097 (3.909.774) 258.865
Net Cash Flow Obtained from Operating Activities
Arus Kas dari Aktivitas Investasi
Cash Flows from Investing Activities
Efek-Efek (4.560.339) 340.128 (1.254.500) (81.848) (866.478)
Marketable Securities
Pembelian Aset Tetap (15.417) (99.926) (88.331) 24.629 58
Purchases of Fixed Assets
Hasil Penjualan Aset Tetap - - 19 (65.746) (720)
Proceeds from Sale of Fixed Assets
Pembelian Aset Tak Berwujud - (8.660) (12.505) (65.747) (720)
Purchases of Intangible Assets
Arus Kas Bersih Diperoleh dari Aktivitas Investasi (4.575.756) 231.542 (1.355.317) (248.861) (867.203)
Cash Flows from Investing Activities
Arus Kas dari Aktivitas Pendanaan
Cash Flows from Financing Activities
Penambahan Modal Disetor - - - 1.004.732 749.850
Additional Paid in Capital
Saham yang Dibeli Kembali (118.548)
Repurchased Shares
Pembagian Laba untuk Dividen (233.383)
Distribution of Profits for Dividends
Tambahan Modal dari Agio Saham - - - 3.795.664 -
Additional Capital from Share Premium
Biaya atas Penerbitan Saham - - - - (1.403)
Transaction Cost Issuance of Shares
Pembayaran Liabilitas Sewa (13.583) (13.984) (13.292) (14.522) -
Payment of Lease Liabilities
Arus Kas Bersih Diperoleh dari Aktivitas Pendanaan (365.514) (13.984) (13.292) 4.785.874 748.447
Net Cash Flows Provided by Financing Activities
Kenaikan Bersih Kas dan Setara Kas (1.854.970) 1.089.285 979.488 627.239 140.109
Increase in Cash and Cash Equivalents
Kas dan Setara Kas Awal Periode 2.942.660 1.853.375 873.888 246.649 106.540
Cash and Cash Equivalents at the Beginning of the
Period
Kas dan Setara Kas Akhir Periode 1.087.690 2.942.660 1.853.375 873.888 246.649
Cash and Cash Equivalents at the End of the Period
Pengungkapan Tambahan
Additional Disclosures
Kas dan Setara Kas Terdiri dari:
Cash and Cash Equivalents Consist of:
Kas 2.572 1.955 3.849 3.174 12.450
Cash
Giro pada Bank Indonesia 471.749 234.892 233.442 305.946 64.736
Current Accounts with Bank Indonesia
Giro pada Bank Lain 163.369 55.886 216.114 189.830 69.478
Current Accounts with Other Banks
Penempatan pada Bank Indonesia dan Bank Lain 450.000 2.649.927 1.399.971 374.938 99.985
Placements with Bank Indonesia and Other Banks
Jumlah Kas dan Setara Kas 1.087.690 2.942.660 1.853.375 873.888 246.649
Total Cash and Cash Equivalents
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Rasio-rasio Keuangan
Financial Ratios
Uraian
2025 2024 2023 2022 2021
Description
dalam % | In %
Permodalan
Capital
Rasio Kecukupan Modal 73,94% 82,58% 83,35% 79,53% 48,82%
Capital Adequacy Ratio (CAR)
CAR Tier 1 73,10% 81,71% 82,29% 78,62% 48,02%
CAR Tier 1
CAR Tier 2 0,84% 0,87% 1,06% 0,92% 0,80%
CAR Tier 2
Aset Tetap terhadap Ekuitas 2,95% 3,75% 2,94% 2,41% 2,31%
Fixed Assets to Equity
Aset Produktif
Productive Assets
Aset Produktif dan Non Produktif Bermasalah 0,85% 0,46% 0,05% 0,00% 2,12%
terhadap Total Aset Produktif dan Non-Produktif
Non-Performing Productive and Non-Productive
Assets to Total Productive and Non-Productive Assets
Aset Produktif Bermasalah terhadap Total Aset 0,85% 0,46% 0,05% 0,00% 0,27%
Produktif
Non-Performing Productive Assets to Total
Productive Assets
CKPN Aset Keuangan terhadap Aset Produktif 1,01% 0,78% 0,51% 0,52% 0,64%
Allowance for Impairment Losses on Financial Assets
to Productive Assets
NPL Bruto 1,64% 0,81% 0,08% 0,01% 0,52%
NPL Gross
NPL Neto 0,60% 0,40% 0,05% 0,01% 0,29%
NPL Net
Rentabilitas
Profitability
Rasio Laba (Rugi) terhadap Jumlah Aset 4,91% 4,48% 4,76% 3,55% 4,74%
Return on Asset (ROA)
Rasio Laba (Rugi) terhadap Ekuitas 7,93% 6,78% 6,70% 4,36% 25,64%
Return on Equity (ROE)
Marjin Bunga Bersih 10,11% 8,88% 9,01% 6,70% 4,63%
Net Interest Margin (NIM)
Biaya Operasional terhadap Pendapatan Operasional 68,87% 66,78% 59,87% 60,51% 52,38%
(BOPO)
Operational Expenses to Operating Income Ratio
(BOPO)
Cost to Income Ratio (CIR) 41,29% 50,76% 46,25% 47,41% 27,95%
Rasio Laba (Rugi) terhadap Pendapatan/Penjualan 28,95% 32,29% 38,35% 35,50% 63,91%
Profit (Loss) to Revenue/Sales Ratio
Rasio Lancar 81,38% 90,48% 85,86% 76,06% 61,61%
Current Ratio
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Uraian
2025 2024 2023 2022 2021
Description
dalam % | In %
Likuiditas
Liquidity
Rasio Kredit terhadap Dana Pihak Ketiga 96,03% 122,69% 150,77% 163,19% 103,49%
Loan to Deposit Ratio (LDR)
Rasio Dana Murah (CASA terhadap Dana Pihak 15,54% 12,77% 10,48% 7,90% 12,68%
Ketiga)
Current and Savings Accounts (CASA on Third Party
Funds)
Rasio Liabilitas terhadap Ekuitas 146,07% 92,47% 85,19% 72,49% 256,75%
Liabilities to Equity Ratio
Rasio Liabilitas terhadap Aset 59,36% 48,04% 46,00% 42,03% 71,97%
Liabilities to Assets Ratio
Kepatuhan
Compliance
Persentase Pelanggaran BMPK
Percentage of LLL Violation
Pihak Terkait 0,00% 0,00% 0,00% 0,00% 0,00%
Related Parties
Pihak Tidak Terkait 0,00% 0,00% 0,00% 0,00% 0,00%
Unrelated Parties
Persentase Pelampauan BMPK
Percentage of LLL Exclusion
Pihak Terkait 0,00% 0,00% 0,00% 0,00% 0,00%
Related Parties
Pihak Tidak Terkait 0,00% 0,00% 0,00% 0,00% 0,00%
Unrelated Parties
Giro Wajib Minimum (GWM)
Statutory Reserve Requirement
GWM Utama Rupiah 6,35% 7,81% 9,12% 7,85% 3,55%
GWM in Rupiah
GWM Valuta Asing 4,82% 0,00% 0,00% 0,00% 0,00%
GWM in Foreign Currencies
Posisi Devisa Neto (PDN) 0,45% 0,00% 0,00% 0,00% 0,00%
Net Open Position (PDN)
Rasio Kas dan Setara Kas terhadap Liabilitas 9,92% 43,80% 31,60% 18,80% 7,37%
Ratio of Cash and Cash Equivalents to Liabilities
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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Rasio Kecukupan Modal NPL Neto
Capital Adequacy Ratio (CAR) (Dalam | In %) Net NPL (Dalam | In %)
83,35% 0,60%
82,58%
0,40%
79,53%
73,94%
0,29%
48,82%
0,05%
0,01%
● 2025 2024 2023 2022 2021 ● 2025 2024 2023 2022 2021
Cost to Income Ratio (CIR) Rasio Liabilitas terhadap Aset
Cost to Income Ratio (CIR) (Dalam | In %) Liabilities to Assets Ratio (Dalam | In %)
50,76% 71,97%
47,41% 59.36%
46,25%
48,04%
41,29%
46,00%
27,95%
42,03%
● 2025 2024 2023 2022 2021 ● 2025 2024 2023 2022 2021
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Ikhtisar
Saham
● Stock Overview
Komposisi Saham Share Composition
Per 31 Desember 2025, jumlah saham PT Allo Bank Indonesia As of December 31, 2025, total shares of PT Allo Bank
Tbk adalah sebanyak 21.730.256.442 lembar saham dengan Indonesia Tbk amounted to 21,730,256,442 shares. All
kepemilikan sebanyak 13.228.508.531 lembar saham atau shares are owned by several shareholders, namely PT Mega
60,88% dimiliki oleh PT Mega Corpora, 2.497.816.903 lembar Corpora with a proportion of 60.88%, PT Bukalapak.com with
saham atau setara 11,49% dimiliki PT Bukalapak.com Tbk, 2,497,816,903 shares or 11.49%, Abadi Investment Pte. Ltd. with
1.521.117.930 lembar saham atau 7,00% dimiliki oleh Abadi 1,521,117,930 shares or 7.00%, PT Indolife Investama Perkasa
Investment Pte. Ltd., 1.303.815.836 lembar saham atau 6,00% with 1,303,815,836 shares or 6.00%, and public (individual
dimiliki PT Indolife Investama Perkasa, dan 3.080.302.208 ownership below 5%) with 3,080,302,208 shares or 14.18%. In
lembar saham atau 14,18% dimiliki oleh masyarakat (kepemilikan addition, the Bank also held 90,390,800 treasury shares as of
di bawah 5%). Selain itu, Bank juga memiliki 90.390.800 December 31, 2025, as a result of the share buyback program
lembar saham treasury per 31 Desember 2025 sebagai hasil implemented in 2025.
dari program pembelian kembali saham yang dilakukan pada
tahun 2025.
Informasi tentang
BBHI
Perdagangan Saham
Kode Saham
Information on Stock Stock Code:
Trading
Kinerja saham Allo Bank dalam 2
(dua) tahun terakhir dapat dilihat
sebagai berikut:
Bursa Perdagangan Saham Bursa Efek Indonesia (BEI)
Performance of Allo Bank within Stock Trading Exchange Indonesia Stock Exchange (IDX)
past 2 (two) years is presented in the
following table:
Harga Saham (Rp) Jumlah Saham Beredar Volume Transaksi Kapitalisasi
Share Price (IDR) (juta lembar) (Saham/ribu) Pasar (Rp)
2025 Number of shares Transaction Market
Tertinggi Terendah Penutupan outstanding Volume (Shares/ Capitalization
Highest Lowest Closing (million shares) thousand) (IDR)
Kuartal I 860 555 670 21.730.256.442 54.443 14.559.271.816.140
1st Quarter
Kuartal II 825 595 785 21.730.256.442 34.422 17.058.251.306.970
2nd Quarter
Kuartal III 1.695 775 1.485 21.730.256.442 196.623 32.269.430.816.370
3rd Quarter
Kuartal IV 1.640 1.295 1.490 21.730.256.442 81.875 32.378.082.098.580
4th Quarter
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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Harga Saham (Rp) Jumlah Saham
Volume Transaksi
Share Price (IDR) Beredar Kapitalisasi
(Saham/ribu)
(juta lembar) Pasar (Rp)
2024 Transaction
Tertinggi Terendah Penutupan Number of shares Market Capitalization
Volume (Shares/
Highest Lowest Closing outstanding (IDR)
thousand)
(million shares)
Kuartal I 1.370 1.095 1.165 21.730.256.442 31.749 25.315.748.754.930
1st Quarter
Kuartal II 1.165 675 770 21.730.256.442 34.492 16.732.297.460.340
2nd Quarter
Kuartal III 1.155 765 995 21.730.256.442 69.431 21.621.605.159.790
3rd Quarter
Kuartal IV 1.010 700 700 21.730.256.442 27.448 15.211.179.509.400
4th Quarter
Harga Volume Transaksi Harga Volume Transaksi
Bulan Bulan
Penutupan Transaction Penutupan Transaction
Month Month
Closing Price Volume Closing Price Volume
Januari 2025 665 35.568.000 Januari 2024 1.200 17.996.500
January 2025 January 2024
Februari 2025 665 12.550.000 Februari 2024 1.130 6.768.000
February 2025 February 2024
Maret 2025 670 6.324.500 Maret 2024 1.165 6.984.800
March 2025 March 2024
April 2025 735 11.573.800 April 2024 1.010 7.385.000
April 2025 April 2024
Mei 2025 740 8.777.300 Mei 2024 930 13.222.200
May 2025 May 2024
Juni 2025 785 14.070.800 Juni 2024 770 13.885.200
June 2025 June 2024
Juli 2025 1.305 96.776.200 Juli 2024 925 20.713.600
July 2025 July 2024
Agustus 2025 1.570 70.447.000 Agustus 2024 980 30.784.900
August 2025 August 2024
September 2025 1.485 29.399.800 September 2024 995 17.933.000
September 2025 September 2024
Oktober 2025 1.495 30.561.800 Oktober 2024 980 13.186.000
October 2025 October 2024
November 2025 1.500 17.403.900 November 2024 855 6.471.500
November 2025 November 2024
Desember 2025 1.490 33.909.600 Desember 2024 700 7.791.100
December 2025 December 2024
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Harga Penutupan
Closing Price
2.000
1.800
1.600 1.570 1.500 1.490
1.485 1.495
1.305
1.400
1.200
1.200 1.130 1.165
1.010 995
1.000 930 925 980 980
770 855
800 700
785
600 735 740
670
665 665
400
200
0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 2025
Volume Transaksi
Transaction Volume
120.000.000
100.000.000 96.776.200
80.000.000 70.447.000
60.000.000
30.561.800
14.070.800 33.909.600
40.000.000 35.568.000 30.784.900 29.399.800
12.550.000 17.403.900
20.000.000 11.573.800
13.222.200 13.186.000
20.713.600 17.933.000
10.000.000 6.324.500
17.996.500 13.885.200 7.791.100
5.000.000 7.385.000 8.777.300
6.768.000 6.984.800 6.471.500
0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2024 2025
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Informasi tentang Aksi Korporasi Information on Corporate Action
Hingga 31 Desember 2025, Bank tidak melakukan aksi Until December 31, 2025, the Bank did not conduct any
korporasi yang menyebabkan terjadinya perubahan jumlah corporate actions that result in changes to its shares, such as
saham, seperti pemecahan saham (stock split), penggabungan stock splits, reverse stock splits, bonus shares, or changes to
saham (reverse stock), saham bonus, serta perubahan nilai the nominal value of shares.
nominal saham.
Namun demikian, Bank telah melakukan pembelian kembali However, the Bank has conducted share buyback in accordance
saham sesuai dengan peraturan perundang-undangan yang with applicable laws and regulations. It has done these
berlaku berdasarkan keterbukaan informasi kepada pemegang buybacks based on information disclosures to shareholders
saham sehubungan dengan rencana pembelian Kembali regarding the Company's share buyback plans and has
saham perseroan dalam kondisi pasar yang berfluktuasi secara done so under significantly fluctuating market conditions, as
signifikan yang dimuat pada website Bursa Efek Indonesia published on the Indonesia Stock Exchange website and the
dan website Perseroan pada tanggal 30 April 2025, 29 Juli Company's own website on 30 April, 2025, 29 July, 2025, and
2025, dan 29 Oktober 2025. Jumlah alokasi dana seluruh 29 October, 2025. The total allocation of funds for the Bank's
program pembelian kembali saham Bank adalah sebesar entire share buyback program was IDR200,000,000,000
Rp200.000.000.000,- (dua ratus miliar Rupiah) menggunakan (two hundred billion Rupiah) using retained earnings. This is
saldo laba ditahan, berdasarkan keterbukaan informasi kepada based on information disclosures to shareholders regarding the
pemegang saham sehubungan dengan rencana pembelian Company's share buyback plan under significantly fluctuating
kembali saham perseroan dalam kondisi pasar yang berfluktuasi market conditions on April 30, 2025.
secara signifikan pada tanggal 30 April 2025.
Mengingat masih terdapat sisa dana untuk pembelian kembali Considering that there were still remaining funds for share
saham dan belum melampaui batasan maksimum dalam buybacks and considering that they have not exceeded the
pelaksanaan pembelian kembali saham, Bank merencanakan maximum limit for share buybacks, the Bank plans to repurchase
untuk kembali melakukan Pembelian Kembali Saham yang shares issued and listed on the Indonesia Stock Exchange
telah dikeluarkan dan tercatat di Bursa Efek Indonesia sesuai in accordance with Financial Services Authority Regulation
POJK 13/2023, Peraturan OJK No. 29 Tahun 2023 tentang (POJK). 13/2023, OJK Regulation No. 29 of 2023 concerning
Pembelian Kembali Saham yang Dikeluarkan oleh Perusahaan the Buyback of Shares Issued by Public Companies, and
Terbuka dan Surat OJK No. S-102/D.04/2025 tanggal 17 OJK Letter No. S-102/D.04/2025 dated 17 September, 2025,
September 2025 perihal Kebijakan Pelaksanaan Pembelian concerning the Policy for Implementing the Buyback of Shares
Kembali Saham yang Dikeluarkan oleh Perusahaan Terbuka Issued by Public Companies in Significantly Fluctuating Market
dalam Kondisi Pasar yang Berfluktuasi Secara Signifikan. Conditions.
Informasi Penghentian Sementara Perdagangan Information on Temporary Suspension of Stock
Saham (Suspension) dan/atau Sanksi Perdagangan Trading (Suspension) and/or Delisting
Saham (Delisting)
Sepanjang tahun 2025, Allo Bank tidak pernah dikenakan Throughout 2025, Allo Bank has never been subject to
sanksi yang dapat berpengaruh terhadap aktivitas perdagangan sanctions that could affect its stock trading activities on the
saham di Bursa Efek tempat Bank mencatatkan saham dan Stock Exchange where the Bank lists and trades its shares,
memperdagangkan saham, baik penghentian sementara including temporary suspension of stock trading and/or
perdagangan saham (suspension) dan/atau pembatalan delisting. Therefore, there is no information related to the impact
pencatatan saham (delisting). Dengan demikian, tidak terdapat of temporary suspension of stock trading and/or delisting that
informasi terkait dampak dari penghentian sementara can be presented in this Annual Report.
perdagangan saham (suspension) dan/atau pembatalan
pencatatan saham (delisting) yang dapat disajikan dalam
Laporan Tahunan ini.
Dividen Saham Stock Dividend
Dalam RUPS Tahunan untuk tahun buku 2024 yang digelar At the Annual General Meeting of Shareholders for the fiscal
pada 10 April 2025, Pemegang Saham menyetujui pembagian year 2024 held on April 10, 2025, shareholders approved a
dividen tunai, untuk pertama kalinya dalam sejarah Bank, cash dividend distribution, for the first time in the Bank's history,
sebesar Rp233.382.954.186 yang merupakan 50% dari Laba amounting to IDR233,382,954,186, which is 50% of the Bank's
Bersih Bank pada tahun buku 2024. Seluruh dividen tersebut net profit for the 2024 fiscal year. The entire dividend was paid
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telah dibayarkan pada 30 April 2025. Adapun pembagian on April 30, 2025. The distribution of stock dividends in 2025
dividen saham pada tahun 2025 untuk hasil usaha tahun buku for the 2024 fiscal year is as follows:
2024, adalah sebagai berikut:
2025 2024
Dividen Saham
(untuk Hasil Usaha Tahun Buku 2024) (untuk Hasil Usaha Tahun Buku 2023)
Stock Dividend
(for the 2024 Fiscal Year Share Dividend) (for the 2023 Fiscal Year Share Dividend)
Laba Bersih (Rp) 467.105.739.014 444.566.134.304
Net profit (IDR)
Dividen yang Dibagikan (Rp) 233.382.954.186 -
Distributed Dividend (IDR)
Rasio Pembagian Dividen (%) 49,96 -
Dividend Distribution Ratio (%)
Tanggal Pengumuman 10 April 2025 31 Mei 2024
Date of Announcement April 10, 2025 May 31, 2024
Tanggal Pembayaran 30 April 2025 -
Date of Payment April 30, 2025
Informasi tentang
Penerbitan Obligasi,
Sukuk, atau Obligasi Konversi
● Information on Issuance of Bonds,
Sukuk, or Convertible Bonds
Sampai dengan 31 Desember 2025, As of December 31, 2025, the Bank
Bank tidak menerbitkan obligasi, sukuk, has not issued any bonds, sukuk, and/
dan/atau obligasi konversi. Dengan or convertible bonds. Therefore, there is
demikian, tidak terdapat informasi terkait no information related to bonds, sukuk,
obligasi, sukuk, atau obligasi yang masih or bonds still in circulation in this Annual
beredar dalam Laporan Tahunan ini. Report.
Informasi Sumber
Pendanaan Lainnya
● Information on Other Funding Sources
Selama tahun 2025, Allo Bank tidak Throughout 2025, Allo Bank did not
pernah menerbitkan surat berharga issue securities from other funding
sumber pendanaan lainnya. Dengan sources. Thus, there is not information
demikian, tidak terdapat informasi available on other funding sources
mengenai sumber pendanaan lainnya presented in this Annual Report.
yang dapat disajikan dalam Laporan
Tahunan ini.
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Kilas Peristiwa
● Event Highlights
Raker 2025
Work Meeting 2025
Bank menggelar Rapat Kerja pada awal tahun dengan mengangkat
tema “RACe to Grow Stronger: Dual Profit Engines for Sustainable
Competitive Growth” untuk merumuskan strategi dan rencana kerja
serta meningkatkan koordinasi dan komunikasi demi pencapaian tujuan
bersama sepanjang tahun 2025.
The bank held a Work Meeting at the beginning of the year with the
theme “RACe to Grow Stronger: Dual Profit Engines for Sustainable
10
Competitive Growth” to formulate strategies and work plans and
JANUARI January improve coordination and communication in order to achieve common
goals throughout 2025.
10 FEBRUARI February 5 MARET March
Allo Bank Hangout Allo Bank Pelita Gerakan
Acara Meet & Greet spesial bersama kedua Brand Ambassador
Berbagi & Literasi Ramadan
Allo Bank WONWOO dan MINGYU yang bertajuk “Allo Bank Allo Bank Pelita Ramadan Sharing &
Hangout: Gak Bakal Rugi Bareng WONWOO & MINGYU.” Event Literacy Movement
ini diselenggarakan pada tanggal 10 Februari 2025 di Jakarta
International Velodrome, Jakarta. Dalam momen spesial ini, para Gerakan Berbagi Ramadhan bersama Allo Bank Pelita merupakan
penggemar dan customer loyal Allo Bank, yang biasa disebut sebagai wujud dari komitmen CSR dalam bidang sosial sekaligus pendidikan.
Allo Friends, mendapatkan kesempatan spesial untuk bertemu Kunjungan tahun ini Allo Bank Pelita bersama CT Arsa Foundation
dan bersenang-senang bersama Brand Ambassadors Allo Bank, mendatangi Yayasan Pondok Pesantren Mahabbatul Yatim yang
WONWOO dan MINGYU. berlokasi di Ciangsana, Bogor. Rangkaian kegiatan acara tersebut
diantaranya masak bersama persiapan buka puasa untuk dibagikan,
A special Meet & Greet event with Allo Bank Brand Ambassadors membaca buku dari pondok buku yang telah disediakan, permainan
WONWOO and MINGYU, titled “Allo Bank Hangout: Gak Bakal Rugi bersama, dan literasi umum mengenai finansial.
Bareng WONWOO & MINGYU”. This event took place on February
10, 2025, at the Jakarta International Velodrome, Jakarta. On The Ramadan Sharing Movement with Allo Bank Pelita is a
this special occasion, Allo Bank fans and loyal customers, commonly manifestation of CSR commitment in the social and educational fields.
referred to as Allo Friends, had a special opportunity to meet and have In this year's visit, Allo Bank Pelita and CT Arsa Foundation visited
fun with Allo Bank Brand Ambassadors WONWOO and MINGYU. the Mahabbatul Yatim Islamic Boarding School Foundation located in
Ciangsana, Bogor. The series of activities included cooking together
to prepare iftar meals for distribution, reading books from the book
corner provided, playing games together, and general financial
literacy.
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Data Analytics SandBox
Cooperation with IOH
Sebagai upaya untuk merevolusi layanan perbankan digital di Indonesia,
Indosat Ooredoo Hutchison mengumumkan kemitraan strategis
dengan AlloBank. Kolaborasi ini bertujuan untuk menghadirkan
layanan perbankan berbasis analitik dan Artificial Intelligence (AI)
yang canggih, guna meningkatkan pengalaman nasabah dan
mempercepat pertumbuhan layanan perbankan digital. Kemitraan ini
akan memanfaatkan teknologi Telco Scoring, Data Analytics Sandbox,
dan Smart Digital Ads dari Indosat Business.
To help revolutionize digital banking services in Indonesia, Indosat
Ooredoo Hutchison announced a strategic partnership with AlloBank.
6 MARET March
This collaboration aims to provide advanced analytics and Artificial
Intelligence (AI)-based banking services to enhance customer
experience and accelerate the growth of digital banking services.
The partnership will leverage Indosat Business's Telco Scoring, Data
Analytics Sandbox, and Smart Digital Ads technologies.
17 MARET March
Allo Bank Gandeng Visa, Keluarkan
Kartu Debit Virtual Allo Visa untuk
Nasabah
Partnering with Visa, Allo Bank Issues Virtual
Debit Card Allo Visa for Customers 10 APRIL April
Visa, pemimpin global dalam teknologi pembayaran, berkolaborasi
dengan Allo Bank untuk meluncurkan Allo Visa Virtual Debit Card,
sebuah solusi pembayaran virtual inovatif yang memudahkan Allo Bank Gelar RUPST dan
konsumen Indonesia dalam melakukan transaksi online di berbagai
Public Expose 2025
merchant global secara aman, praktis, dan fleksibel. Dengan Allo Visa
Virtual Card, nasabah Allo Bank dapat menikmati pembayaran instan Allo Bank Holds Annual GMS and
kapan saja, sekaligus mengatur batas transaksi langsung dari aplikasi Public Expose 2025
Allo Bank.
Pada tanggal 10 April 2025, Allo Bank mengadakan Rapat Umum
Visa, a global leader in payment technology, is collaborating with Pemegang Saham Tahunan (RUPST) dan Public Expose sebagai
Allo Bank to launch the Allo Visa Virtual Debit Card, an innovative bagian dari komitmen terhadap transparansi dan pertumbuhan
virtual payment solution that enables Indonesian customers to make berkelanjutan. Pemegang saham menyetujui pembagian dividen
secure, convenient, and flexible online transactions at various global tunai pertama dalam sejarah Allo Bank sebesar Rp233,4 miliar atau
merchants. With the Allo Visa Virtual Card, Allo Bank customers can 50% dari laba bersih tahun buku 2024. RUPST juga menetapkan
enjoy instant payments anytime, while also setting transaction limits perubahan susunan pengurus Bank, dimana pemegang saham
directly from the Allo Bank app. menyetujui pengunduran diri Bapak Arief Tendeas sebagai Direktur.
On April 10, 2025, Allo Bank held its Annual General Meeting of
Shareholders (AGM) and Public Expose as part of its commitment
to transparency and sustainable growth. Shareholders approved the
first cash dividend distribution in Allo Bank's history amounting to
IDR233.4 billion or 50% of the net profit for the fiscal year 2024. The
AGM also determined changes to the Bank's management structure,
with shareholders approving the resignation of Mr. Arief Tendeas as
Director.
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Allo Bank Rayakan Third Anniversary
Allo Bank Celebrates Its Third Anniversary
AlloBank rayakan 3rd Anniversary pada 20 Mei 2025 dengan
mengangkat tema 3levate Together - Together we've Grown, Together
We've Thrived untuk memaknai 3 tahun atas impact, innovation, dan
harmony.
AlloBank celebrates its 3rd Anniversary on May 20, 2025, with the
theme “3levate Together - Together we've Grown, Together We've
Thrived” to commemorate 3 years of impact, innovation, and harmony.
20 MEI May
3 JUNI June
AlloGrow memenangkan Marketeers
OMNI Brands of the Year
AlloGrow Secures Marketeers OMNI Brands of the Year
AlloGrow mendapatkan penghargaan Marketeers OMNI Brands of the Year 2025 untuk kategori New Product Campaign in Multiplatform. Marketeers
OMNI Brands of the Year merupakan ajang penghargaan dari Marketeers untuk merek atau perusahaan yang selama setahun terakhir sukses dalam
melakukan pendekatan omnichannel marketing dan transformasi digital.
AlloGrow received the Marketeers OMNI Brands of the Year 2025 award in the New Product Campaign in Multiplatform category. Marketeers OMNI
Brands of the Year is an award from Marketeers for brands or companies that have been successful in implementing omnichannel marketing and
digital transformation over the past year.
Allo Bank Festival
Allo Bank Festival 2025 yang berlangsung meriah selama dua hari,
pada tanggal 21 dan 22 Juni 2025, di Istora Senayan, Jakarta. Acara
ini dimeriahkan oleh penampilan spektakuler dari artis internasional dan
puluhan musisi papan atas Indonesia yang tampil di dua panggung
utama, Pas Buat Kamu Stage dan Gak Bakal Rugi Stage.
The Allo Bank Festival 2025 took place over two lively days, on June
21 and 22, 2025, at Istora Senayan, Jakarta. The event was enlivened
by spectacular performances from international artists and dozens of
top Indonesian musicians who performed on two main stages, the Pas
Buat Kamu Stage and the Gak Bakal Rugi Stage.
21-22 JUNI June
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24 JUNI June
Allo Bank meraih The Best Digital Bank in Excellence Call Center
Allo Bank Wins the Best Digital Bank in Excellence Call Center
Allo Bank dengan bangga menerima pengakuan yang diberikan pada 22nd INFOBANK-MRI BANKING SERVICE EXCELLENCE APPRECIATION
2025 sebagai THE BEST DIGITAL BANK IN EXCELLENCE CALL CENTER oleh Infobank pada 24 Juni 2025. Meski di tengah tantangan tekanan
ekonomi yang kompleks bagi Indonesia dan global, Allo Bank akan selalu berusaha untuk tetap konsisten dan terus meningkatkan produk serta
layanan agar terus memberikan yang terbaik.
Allo Bank is proud to receive recognition at the 22nd INFOBANK-MRI BANKING SERVICE EXCELLENCE APPRECIATION 2025 as THE BEST DIGITAL
BANK IN EXCELLENCE CALL CENTER by Infobank on June 24, 2025. In the midst of complex economic pressures faced by Indonesia and the
global community, Allo Bank remains committed to maintaining consistency and continuously improving its products and services to deliver the best
possible experience.
Allo Bank meraih The Best Bank
KBMI II 2025
Allo Bank Receives The Best Bank KBMI II 2025
AlloBank mendapatkan penghargaan sebagai The Best Bank Kategori
KBMI II pada InvestorTrust Best Bank 2025 award programme pada 25
Juni 2025 dengan tema: “From Resilience to Relevance: Optimizing
Strengths to Seize Indonesia’s Next Banking Chapter”.
AlloBank was awarded The Best Bank in the KBMI II Category at the
InvestorTrust Best Bank 2025 award program on June 25, 2025, with
25
the theme: “From Resilience to Relevance: Optimizing Strengths to
JUNI June Seize Indonesia's Next Banking Chapter.”
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AlloGrow memenangkan dua
Penghargaan pada SPEx2 2025
AlloGrow Accomplishes Two Awards at
SPEx2 2025
Allo Bank memenangkan dua penghargaan dalam Strategy and
Performance Execution Excellence (SPEx2®) Award 2025 yang
bertemakan Business Model Innovation in Uncertain Times dan
diselenggarakan oleh Media Kontan dan GML Performance Consulting:
(i) The Best Execution Winner in Digital Banking Industry; (ii) Special
Recognition: Excellence in Product Strategy & Innovation untuk produk
Allo Grow.
Allo Bank won two awards at the Strategy and Performance Execution
26 JUNI June
Excellence (SPEx2®) Award 2025, themed Business Model Innovation in
Uncertain Times and organized by Media Kontan and GML Performance
Consulting: (i) The Best Execution Winner in the Digital Banking Industry;
(ii) Special Recognition: Excellence in Product Strategy & Innovation for
the Allo Grow product.
Allo Bank x Advance.AI Media
Roundtable
Allo Bank dan ADVANCE.AI mengadakan media roundtable dengan
berbagai jurnalis dari media terkemuka untuk mendorong kesadaran
akan pentingnya keamanan digital di tengah pesatnya transformasi
layanan perbankan. Dalam acara ini, Allo Bank dan Advance.AI
menginfokan kemitraan strategis yang selama ini telah terjalin, termasuk
solusi e-KYC dan lainnya untuk Menghadapi Ancaman Deepfake dan
Membangun Kepercayaan Nasabah Terhadap Perbankan Digital.
17
Allo Bank and Advance.AI held a media roundtable with journalists from
JULI July leading media outlets to raise awareness of the significant role of digital
security in the face of the rapid transformation of banking services.
Allo Bank and Advance.AI shared their strategic partnership, including
e-KYC solutions and other solutions to combat deepfake threats and
build customer trust in digital banking.
Allo Bank Berpartisipasi dalam LPS
Financial Week 2025
Allo Bank Takes Part in LPS Financial Week 2025
Lembaga Penjamin Simpanan (LPS) menggelar LPS Financial Festival
di Dyandra Convention Center, Surabaya pada 6-7 Agustus 2025. Allo
Bank berpartisipasi sebagai sponsor acara, mendirikan booth layanan
untuk pembukaan rekening Allo Bank, pengajuan Paylater, serta aktivasi
Virtual Debit Card.
Indonesia Deposit Insurance Corporation (LPS) held the LPS Financial
6-7
Festival at the Dyandra Convention Center, Surabaya on August 6-7,
2025. Allo Bank participated as an event sponsor, setting up a service AGUSTUS August
booth for opening Allo Bank accounts, applying for Paylater, and
activating Virtual Debit Cards.
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Allo Bank Pimpin Pinjaman Sindikasi
untuk Mendukung Pembangunan Fasilitas
Fraksionasi Plasma Darah Pertama di
Indonesia
Allo Bank Leads Syndicated Loan to Support the
Construction of Indonesia's First Blood Plasma
Fractionation Facility
Sebagai bagian dari upaya memperkuat ketahanan kesehatan
21 OKTOBER October nasional, Allo Bank memberikan pinjaman sindikasi senilai
Rp3,7 triliun, bersama dengan PT Bank Mega Tbk, kepada PT
SKPlasma Core Indonesia, perusahaan patungan antara SK
Plasma, bagian dari SK Group Korea, dan Indonesia Investment
Authority (“INA”), yang bergerak di bidang manufaktur Produk
Obat Derivat Plasma (PODP), dalam rangka mendukung
pembangunan pabrik produk fraksionasi plasma darah pertama
di Indonesia.
As part of efforts to strengthen national health resilience, Allo Bank
provided a syndicated loan worth IDR3.7 trillion. The program also
involved PT Bank Mega Tbk and PT SKPlasma Core Indonesia, a joint
venture between SK Plasma, part of SK Group Korea, and the Indonesia
Investment Authority (“INA”), which is engaged in the manufacturing of
Plasma Derivative Drug Products (PODP). The program is also aimed
at supporting the construction of the first blood plasma fractionation
product factory in Indonesia.
12 NOVEMBER November
Allo Bank Lanjutkan Kerjasama dengan
Yayasan CT Arsa untuk Program PIJAR
Allo Bank Continues Collaboration with the CT
Arsa Foundation for the PIJAR Program
Allo Bank bekerja sama dengan Yayasan CT Arsa dalam Program 13 DESEMBER December
PiMengajar ("PIJAR"), sebagai gerakan mengajar di berbagai sekolah
di daerah-daerah pelosok Indonesia yang dilakukan secara berkala
dengan masa pengabdian selama satu tahun. Dalam hal ini, Allo
Bank Pelita bekerja sama dan mendukung program PIJAR CT Arsa Allo Temu 2025
Foundation yang dimulai pada tahun 2024 dan terus berlanjut di
sepanjang tahun 2025 dan 2026. Allo Bank mengadakan Allo Temu 2025, sebagai acara employee
outing tahunan keempat dengan mengangkat tema “The Power
Allo Bank is collaborating with the CT Arsa Foundation on the of One”. Acara ini bertujuan untuk mendorong keterlibatan dan
PiMengajar ("PIJAR") Program, a teaching initiative that involves partisipasi karyawan dan juga meningkatkan lingkungan kerja yang
teaching in various schools in remote areas of Indonesia, conducted lebih baik dan team engagement agar semakin terjalin erat.
periodically for a one-year period. In this regard, Allo Bank Pelita is
collaborating with and supporting the CT Arsa Foundation's PIJAR Allo Bank held Allo Temu 2025, its fourth annual employee outing,
program, which began in 2024 and will continue throughout 2025 themed "The Power of One." The event aimed to encourage employee
and 2026. engagement and participation, foster a better work environment, and
foster stronger team engagement.
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Laporan
02
Manajemen
Management
Reports
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Laporan
Dewan Komisaris
● Board of Commissioners Report
Sejalan dengan
pengembangan produk
dan layanan, Dewan
Komisaris mencermati In line with the development
of products and services,
keberhasilan Direksi dalam
the Board of Commissioners
membangun dan memperluas observes the Board of Directors’
ekosistem kemitraan yang success in building and
expanding an independent
bersifat independen. partnership ecosystem.
Menghadapi dinamika global dan tekanan PT Allo Bank Indonesia Tbk was able to
Para Pemegang industri keuangan sepanjang tahun 2025, maintain solid performance and operational
Saham dan PT Allo Bank Indonesia Tbk mampu menjaga sustainability in the face of global dynamics
Pemangku keberlanjutan kinerja dan operasional secara and financial pressures throughout 2025.
Kepentingan
berkelanjutan. Capaian tersebut tidak Its achievement in these regards cannot be
yang Terhormat,
terlepas dari peran aktif Dewan Komisaris separated from the active role the Board of
Dear dan Direksi dalam memastikan jalannya Commissioners and Board of Directors played
Shareholders pengelolaan Bank tetap berada pada in ensuring that the Bank's management
and koridor strategis dan prinsip kehati-hatian. remained within strategic corridors and
Stakeholders, Sepanjang tahun berjalan, Dewan Komisaris adhered to prudent principles. Throughout
telah menjalankan fungsi pengawasan the year, the Board of Commissioners has
dan memberikan nasihat kepada Direksi consistently performed its supervisory and
secara konsisten, berlandaskan integritas, provided advices to the Board of Directors
tanggung jawab, serta komitmen terhadap and did so on the basis of on integrity,
keberlangsungan usaha. Fokus pengawasan responsibility, and commitment to business
diarahkan pada kualitas perencanaan dan sustainability. Its focus in terms of oversight
implementasi Rencana Bisnis Bank (RBB), was directed at the quality of planning and
efektivitas tindak lanjut atas keputusan Rapat implementation of the Bank's Business
Umum Pemegang Saham (RUPS), penguatan Plan (RBB), the effectiveness of follow-up
penerapan Tata Kelola Perusahaan yang to decisions from the General Meeting of
Baik, keandalan sistem pengendalian Shareholders (GMS), strengthening Good
internal, internalisasi budaya Perseroan, Corporate Governance implementation,
serta kepatuhan terhadap seluruh ketentuan ensuring the reliability of the Bank's internal
peraturan perundang-undangan yang control system, internalizing Company
berlaku. culture, and compliance with all applicable
laws and regulations.
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Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Laporan Keuangan
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Aviliani
Komisaris Utama
Independen
Independent
President
Commissioner
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Pengawasan terhadap Kebijakan Strategis Direksi Board of Directors' Strategic Policy Oversight
Sejak awal tahun, Dewan Komisaris menempatkan pengawasan Since the year began, the Board of Commissioners has
strategis sebagai bagian integral dari proses pengelolaan Bank, positioned its strategic oversight as an integral part of the Bank's
dengan memastikan bahwa setiap kebijakan dan arah strategi management process, ensuring that every policy and strategic
yang disepakati bersama Direksi dijalankan secara konsisten. direction that it has agreed upon with the Board of Directors
Evaluasi kinerja dilakukan secara berkala untuk menilai was consistently implemented. Performance evaluations were
efektivitas pelaksanaan strategi serta memastikan keselarasan conducted periodically to assess the effectiveness of strategy
antara rencana dan realisasi. implementation and ensure alignment between plans and
implementation.
Dalam kerangka Rencana Bisnis Bank, Direksi Within the framework of the Bank's Business Plan, the Board of
mengimplementasikan sejumlah inisiatif strategis yang menjadi Directors has implemented several strategic initiatives that have
pendorong utama pertumbuhan. Dewan Komisaris secara served as key growth drivers. The Board of Commissioners
berkelanjutan memantau capaian, dinamika pelaksanaan, serta has continuously monitored achievements, implementation
berbagai tantangan yang terjadi, guna memastikan bahwa dynamics, and emerging challenges to ensure that strategic
target strategis tetap berada dalam jalur yang telah ditetapkan. targets have remained on track.
Berdasarkan hasil pengawasan yang dilakukan melalui forum Based on the results of its oversight (conducted through regular
pembahasan rutin rapat mingguan dengan Direksi maupun weekly discussion forums with the Board of Directors and
peninjauan langsung atas aktivitas operasional, Dewan through direct reviews of operational activities), the Board of
Komisaris menilai bahwa Bank telah dikelola sejalan dengan Commissioners is of the view that the Bank has been managed
rencana kerja tahunan, visi dan misi Perseroan, serta arahan to operate in line with its annual work plan, its vision and mission,
strategis Pemegang Saham. Dalam konteks tersebut, Dewan and the strategic direction of the Shareholders. In this context,
Komisaris terus mendorong Direksi untuk memperkuat inisiatif the Board of Commissioners has continued to encourage the
peningkatan pendapatan, memperbaiki kualitas kinerja Board of Directors to strengthen revenue-enhancing initiatives,
keuangan dan tingkat rentabilitas secara berkelanjutan, improve the quality of financial performance and profitability,
menyusun perencanaan bisnis yang realistis dan presisi develop realistic and precise business plans in line with
sesuai kapasitas sumber daya, efisiensi secara keseluruhan di resource capacity, maintain overall efficiency in various work
berbagai unit kerja maupun hal lain serta menjaga penerapan units and other matters as well as maintain risk management
manajemen risiko dan kepatuhan terhadap ketentuan yang implementation and compliance with applicable regulations.
berlaku secara konsisten.
Dewan Komisaris juga mencermati bahwa Bank tetap berada The Board of Commissioners also would like to note that the
dalam jalur yang tepat terkait penyesuaian model bisnis Bank has remained on track with regard to its future business
kedepannya. Kami Dewan Komisaris memberikan apresiasi atas model adjustments. We, the Board of Commissioners, would
kemajuan yang telah dicapai Manajemen, mengingat usia Bank like to commend Management for the progress it has achieved
yang relatif muda di tengah tantangan ekonomi yang kompleks despite the Bank's relatively young age and despite being in
serta perubahan kebutuhan dan ekspektasi nasabah yang the midst of complex economic challenges and increasingly
semakin dinamis terhadap produk dan layanan perbankan. dynamic customer needs and expectations for banking
products and services.
Pandangan Dewan Komisaris atas Kinerja Direksi The Board of Commissioners' Views on the Board
of Directors' Performance
Dewan Komisaris mencermati bahwa perbaikan kondisi makro The Board of Commissioners has observed that there have
ekonomi domestik sepanjang tahun 2025, yang ditopang oleh been improvements in domestic macroeconomic conditions
penurunan suku bunga acuan Bank Indonesia serta penguatan throughout 2025 that have been supported by a reduction in
nilai tukar Rupiah, telah menciptakan lingkungan usaha yang Bank Indonesia's benchmark interest rate and by a strengthening
lebih kondusif bagi industri perbankan. Peningkatan konsumsi of the Rupiah. These factors have created a more conducive
masyarakat, khususnya pada periode hari raya dan libur business environment for the banking industry. Increased public
nasional, serta dukungan stimulus pemerintah yang mendorong consumption, particularly during religious and national holiday
daya beli dan stabilitas inflasi, menjadi faktor pendukung bagi periods, as well as government stimulus support that boosted
terjaganya kinerja perbankan secara solid. Dalam konteks purchasing power and stabilizes inflation were among the
tersebut, Dewan Komisaris menilai Direksi mampu merespons supporting factors that have helped to maintain solid banking
peluang eksternal secara adaptif dan terukur. performance. In this context, the Board of Commissioners is of
the view the Board of Directors was able to respond to external
opportunities in an adaptive and measured manner.
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Dewan Komisaris menilai bahwa komitmen Perseroan untuk The Board of Commissioners is of the view that the Company's
memenuhi kebutuhan nasabah sekaligus memberikan commitment to simultaneously meeting customer needs while
kontribusi positif kepada seluruh pemangku kepentingan telah also making a positive contribution to all stakeholders can be
tercermin dalam kebijakan dan langkah strategis yang dijalankan seen reflected in policies and strategic steps implemented by
Direksi. Pemanfaatan model bisnis yang kuat dan mandiri, the Board of Directors. The Bank's utilization of a strong and
didukung rekam jejak strategi pertumbuhan ritel yang teruji, independent business model, supported by a proven track
menjadi fondasi utama dalam mengoptimalkan momentum record of retail growth strategies, served as a key foundation
pertumbuhan. Direksi secara konsisten mengembangkan for optimizing growth momentum. The Board of Directors
portofolio produk dan layanan perbankan digital yang has been consistent in developing a comprehensive portfolio
komprehensif, dirancang secara end-to-end untuk melayani of digital banking products and services that have been
segmen ritel dan korporasi, dengan fokus pada kemudahan designed end-to-end to serve retail and corporate segments.
akses, efisiensi transaksi, serta pengalaman nasabah yang These developments have focused on easy access, transaction
terintegrasi dalam satu platform. efficiency, and an integrated customer experience within a
single platform.
Pada sisi transaksi dan pembayaran, Dewan Komisaris In terms of the transaction and payment side of things, the
mencatat penguatan kapabilitas layanan harian melalui Board of Commissioners has noted the Bank's strengthening of
penyediaan berbagai fitur utama, seperti QRIS, transfer dana, its daily service capabilities through its provision of various key
pembayaran tagihan, top up saldo, serta layanan tarik dan setor features such as QRIS, fund transfers, bill payments, balance
tunai berbasis QR code. Pengembangan fitur-fitur tersebut top-ups, and QR code-based cash withdrawals and deposits.
dinilai efektif dalam meningkatkan frekuensi transaksi dan The Board of Commissioners is the view that the Bank's
memperkuat penggunaan layanan perbankan digital. Upaya development of these features has been effective in increasing
Direksi dalam melengkapi layanan tersebut dengan program transaction frequency and strengthening the use of digital
loyalitas berbasis transaksi berulang juga dipandang sebagai banking services. The Board of Commissioners also views the
langkah strategis untuk memperdalam keterikatan dan loyalitas Board of Directors' efforts to complement these services with a
nasabah. repeat transaction-based loyalty program to be strategic steps
to deepen customer engagement and loyalty.
Dalam aspek penghimpunan dana, Dewan Komisaris When it comes to fundraising, the Board of Commissioners
mengapresiasi pendekatan inovatif Direksi melalui would like to commend the Board of Directors' innovative
pengembangan produk simpanan dan deposito digital dengan approach in developing digital savings and time deposit
struktur imbal hasil yang kompetitif dan fleksibel. Penerapan products with competitive and flexible yield structures. Its
skema suku bunga bertahap yang meningkat seiring implementation of a graduated interest rate scheme that
jangka waktu penempatan dana dinilai mampu mendorong increases with the term of the fund is considered capable of
pertumbuhan dana pihak ketiga secara berkelanjutan, sekaligus encouraging sustainable growth of third-party funds, all while
menjaga stabilitas struktur pendanaan dan efisiensi biaya dana. maintaining funding structure stability and cost efficiency. The
Peluncuran kartu debit virtual juga memperluas akseptasi Bank's launch of virtual debit cards has also expanded digital
transaksi digital dan memperkuat peran rekening Allo Bank transaction acceptance and strengthened the role of Allo
sebagai rekening utama nasabah. Bank's accounts as the primary accounts of its customers.
Pada sisi pembiayaan, Dewan Komisaris menilai bahwa Direksi In the area financing, the Board of Commissioners is of the
telah menjalankan strategi penyaluran kredit ritel secara prudent view that the Board of Directors has implemented a prudent
dan inklusif. Penyediaan produk pembiayaan yang mudah and inclusive retail credit distribution strategy. Its provision of
diakses, transparan, serta fleksibel, termasuk mekanisme limit accessible, transparent and flexible financing products (which
gabungan dan tenor yang dapat disesuaikan, membuka akses includes a combined limit mechanism and adjustable tenors_
pembiayaan bagi segmen masyarakat yang sebelumnya kurang has opened up access to financing for previously under-
terlayani. Inisiatif pembiayaan bertahap yang memungkinkan served segments of society. The Bank's phased financing
pembentukan riwayat kredit secara terukur, didukung sistem initiative, which allows for measurable credit history building
underwriting berbasis teknologi dan data, menunjukkan (supported by a technology- and data-based underwriting
komitmen Direksi dalam menjaga kualitas portofolio seiring system) demonstrates the Board of Directors' commitment to
dengan pertumbuhan pembiayaan. maintaining portfolio quality alongside financing growth.
Sejalan dengan pengembangan produk dan layanan, Dewan In line with these product and service developments, the Board
Komisaris mencermati keberhasilan Direksi dalam membangun of Commissioners would like to note the Board of Directors'
dan memperluas ekosistem kemitraan yang bersifat success in building and expanding an independent partnership
independen. Pada tahap awal, pemanfaatan ekosistem Grup CT ecosystem. In the initial phase of this ecosystem, the Bank's
Corp dinilai efektif dalam mempercepat akuisisi nasabah dan utilizing of CT Corp Group's ecosystem has been deemed
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adopsi layanan. Selanjutnya, Direksi berhasil mendiversifikasi effective in accelerating customer acquisition and service
kemitraan di luar ekosistem tersebut ke berbagai sektor usaha, adoption. Subsequently, the Board of Directors has successfully
sehingga memperluas basis pengguna, meningkatkan volume diversified its partnerships beyond this ecosystem into various
dan nilai transaksi, serta memperkaya data perilaku nasabah. business sectors, thereby expanding its user base, increasing
Diversifikasi ini dinilai memperkuat ketahanan model bisnis dan its transaction volume and value, and enriching its customer
mengurangi ketergantungan pada satu sumber pertumbuhan. behavioral data. This diversification has been deemed effective
at strengthening the resilience of the Bank's business model
and reducing its dependence on a single source of growth.
Peningkatan signifikan aktivitas transaksi dan jumlah mitra di The Bank's significant increase in transaction activity and in
luar ekosistem awal mencerminkan kemampuan Allo Bank its number of partners outside the initial ecosystem serves
untuk tumbuh secara mandiri dan berkelanjutan. Dewan as a reflection of Allo Bank's ability to grow independently
Komisaris menilai bahwa integrasi strategi pengembangan and sustainably. The Board of Commissioners believes that
produk, pendanaan, pembiayaan, serta ekosistem kemitraan the Bank's integration of product development strategies,
yang terdiversifikasi telah menjadi pondasi utama dalam funding, financing, and a diversified partnership ecosystem
membangun pertumbuhan yang sehat. Pendekatan tersebut have acted as crucial foundations for building healthy growth.
mendukung peningkatan engagement nasabah, optimalisasi This approach supports increased customer engagement,
profitabilitas, serta penciptaan nilai jangka panjang bagi seluruh optimized profitability, and has created long-term value for
pemangku kepentingan, sejalan dengan strategi bisnis Bank all stakeholders in a way that has been in line with the Bank's
dan prinsip kehati-hatian yang senantiasa dijunjung tinggi. business strategy and with the prudent principles it consistently
upholds.
Mekanisme dan Frekuensi Pemberian Nasihat Mechanism and Frequency of Providing Advice to
kepada Direksi the Board of Directors
Dalam kerangka tata kelola yang mengacu pada ketentuan Within the Bank's governance framework, which uses statutory
peraturan perundang-undangan, Dewan Komisaris berperan provisions as references, the Board of Commissioners has
sebagai elemen kunci dalam memastikan kualitas pengawasan played a key role in ensuring and overseeing the Bank's
atas pengelolaan Bank yang dilaksanakan oleh Direksi. Peran management quality as carried out by the Board of Directors.
tersebut dijalankan melalui hubungan kerja yang konstruktif dan The Board of Commissioners carries out this supervision
selaras, dengan landasan kesamaan tujuan untuk mewujudkan through constructive and aligned working relationships that
visi dan arah strategis Bank. are based on a shared goal of realizing the Bank's vision and
strategic direction.
Untuk menjaga efektivitas pengawasan, Dewan Komisaris In order to maintain effective oversight, the Board of
secara konsisten menyelenggarakan forum komunikasi dan Commissioners has consistently held communication and
evaluasi bersama Direksi melalui rapat gabungan. Forum ini evaluation forums with the Board of Directors through joint
menjadi sarana bagi Dewan Komisaris untuk memperoleh meetings. These forums are designed to provide a means
pemahaman yang komprehensif atas kinerja Bank, menelaah for the Board of Commissioners to gain a comprehensive
berbagai tantangan operasional maupun strategis, serta understanding of the Bank's performance, examine various
menilai respons manajemen dalam mengelola dinamika operational and strategic challenges, and so that it can assess
usaha. Dalam pelaksanaannya, Dewan Komisaris secara aktif management's response to managing business dynamics. In
menyampaikan pandangan dan rekomendasi strategis sebagai its implementation, the Board of Commissioners has always
bagian dari fungsi pemberian nasihat, sekaligus menempatkan actively conveyed strategic views and recommendations as part
pemantauan atas implementasi strategi Bank sebagai prioritas of its advisory function, all while prioritizing its monitoring of the
utama pengawasan. the Bank's implementation strategy.
Sepanjang tahun 2025, Dewan Komisaris telah Throughout 2025, the Board of Commissioners has held 12
menyelenggarakan rapat gabungan dengan Direksi sebanyak (twelve) joint meetings with the Board of Directors, with an overall
12 (dua belas) kali, dengan tingkat kehadiran anggota Dewan attendance rate of 100%. Outside of these forums, the Board of
Komisaris secara keseluruhan mencapai 100% persen. Di luar Commissioners has optimized the role of its supporting organs
forum tersebut, Dewan Komisaris juga mengoptimalkan peran by hosting Audit Committee, Nomination and Remuneration
organ pendukung melalui pelaksanaan rapat Komite Audit, Committee, and Risk Monitoring Committee meetings. It has
Komite Nominasi dan Remunerasi, serta Komite Pemantau also involved relevant Directorates and Divisions to conduct
Risiko, dengan melibatkan Direktorat dan Divisi terkait untuk more in-depth discussions in accordance each Committee’s
melakukan pembahasan yang lebih mendalam sesuai dengan scope of duties and responsibilities.
lingkup tugas dan tanggung jawab masing-masing Komite.
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Pandangan atas Prospek Usaha yang Disusun Views on the Business Prospects Prepared by the
oleh Direksi Board of Directors
Dewan Komisaris telah mencermati dan menelaah secara The Board of Commissioners has carefully observed and
seksama prospek usaha yang disusun oleh Direksi dengan reviewed business prospects prepared by the Board of
mempertimbangkan dinamika perekonomian global dan Directors that have taken into account future global and
domestik ke depan. Dewan Komisaris sependapat bahwa domestic economic dynamics. The Board of Commissioners is
prospek perekonomian nasional diperkirakan tetap berada pada in agreement with these prospects that the nation's economic
jalur pertumbuhan yang positif, meskipun masih dihadapkan outlook is expected to remain on a positive growth path despite
pada tingkat ketidakpastian global yang relatif tinggi. Proyeksi facing a relatively high level of global uncertainty. Indonesia's
pertumbuhan ekonomi Indonesia pada kisaran 4,7%–5,5%, economic growth projection of 4.7% to 5.5%, as stated in Bank
sebagaimana disampaikan dalam Pertemuan Tahunan Bank Indonesia's latest annual meeting report (themed "Resilient and
Indonesia 2025 bertema “Tangguh dan Mandiri: Sinergi Independent: Synergy to Drive Higher and Resilient Economic
Mendorong Pertumbuhan Ekonomi Lebih Tinggi dan Berdaya Growth") reflected strong economic fundamentals, with
Tahan”, mencerminkan fundamental ekonomi yang tetap kuat, domestic demand — particularly household consumption and
dengan permintaan domestik—khususnya konsumsi rumah investment — serving as the primary drivers. Projected inflation
tangga dan investasi—sebagai pendorong utama. Stabilitas stability, which remained within the 2.5% ± 1% target, also
inflasi yang diproyeksikan tetap berada dalam sasaran 2,5% provided room for continued economic and business activity.
±1% turut memberikan ruang bagi kesinambungan aktivitas
ekonomi dan dunia usaha.
Dewan Komisaris menilai bahwa stabilitas makroekonomi The Board of Commissioners is of the view that this
tersebut menciptakan lingkungan usaha yang relatif kondusif macroeconomic stability created a relatively conducive business
bagi sektor keuangan. Peningkatan aktivitas investasi yang environment for the financial sector. Increased investment
didorong oleh pembangunan infrastruktur, penguatan sektor activity (driven by infrastructure development, strengthening
manufaktur bernilai tambah, serta akselerasi transformasi the value-added manufacturing sector, and accelerating digital
ekonomi digital diperkirakan akan terus menopang permintaan economic transformation) continued to support financing
pembiayaan. Di sisi eksternal, ketahanan neraca pembayaran demand. Externally, a resilient balance of payments and
dan kecukupan cadangan devisa dinilai menjadi faktor penting adequate foreign exchange reserves have been deemed crucial
dalam menjaga stabilitas nilai tukar di tengah volatilitas pasar factors in maintaining exchange rate stability in the midst of
keuangan global. global financial market volatility.
Dalam konteks industri perbankan nasional, Dewan Komisaris When it came to the national banking industry, the Board of
sependapat dengan pandangan Direksi bahwa prospek usaha Commissioners has found itself in agreement with the Board of
kedepan tetap positif, meskipun disertai tantangan dari kebijakan Directors' view that future business prospects remained positive
suku bunga global yang relatif ketat dan intensitas persaingan despite challenges posed by relatively tightened global interest
yang semakin meningkat. Proyeksi pertumbuhan kredit rate policies and increased competition. The industry's projected
industri pada kisaran 8–12% mencerminkan peluang ekspansi credit growth of 8% to 12% served to reflect opportunities for
pembiayaan yang didukung oleh kebutuhan sektor produktif, financing expansion supported by the needs of the productive
konsumsi rumah tangga, serta penguatan pembiayaan UMKM. sector, household consumption, and strengthening financing
Pertumbuhan Dana Pihak Ketiga (DPK) yang diperkirakan for MSMEs. The projected robust growth in Third Party Funds
tetap baik juga menunjukkan terjaganya tingkat kepercayaan (TPF) also demonstrated the maintained level of public trust in
masyarakat terhadap sistem perbankan nasional. the nation's banking system.
Menghadapi dinamika dan tantangan usaha yang terus In the face of these ever-evolving business dynamics and
berkembang, Dewan Komisaris memandang pentingnya challenges, the Board of Commissioners has deemed it
kesinambungan arah strategi yang dijalankan manajemen. important to maintain the continuity of management's strategic
Dalam hal ini, Dewan Komisaris mendukung penuh kebijakan direction. In this regard, the Board of Commissioners is fully
Direksi untuk melanjutkan pengembangan aktivitas dan produk on board with the Board of Directors' policies of developing
yang berlandaskan perluasan basis nasabah dan kemitraan activities and products based on expanding the customer base
sebagai motor pertumbuhan, penguatan kualitas interaksi and partnerships as growth drivers, of strengthening the quality
dan pemanfaatan layanan untuk menjaga relevansi Bank di of interactions and service utilization as a means to maintain the
mata nasabah, serta optimalisasi penciptaan nilai ekonomi dari Bank's relevance in the eyes of customers, and of optimizing
penggunaan produk dan layanan Bank secara berkelanjutan. the creation of economic value from sustainable usage of the
Bank's products and services.
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Dewan Komisaris menilai bahwa pendekatan pengembangan The Board of Commissioners is of the view that a business
bisnis melalui integrasi layanan finansial dengan ekosistem mitra, development approach through integrating financial services
baik dalam lingkup CT Corpora maupun mitra strategis lainnya, with the partner ecosystem (both within CT Corpora and
merupakan strategi yang tepat untuk menangkap potensi other strategic partners) serves as an appropriate strategy for
pasar yang semakin luas, baik melalui kanal digital maupun capturing expanding market potential through digital channels
jaringan fisik. Pendekatan ecosystem first tersebut dipandang and physical networks. This ecosystem-first approach has been
mampu memperkuat daya saing Bank dan membuka ruang deemed capable of strengthening the Bank's competitiveness
pertumbuhan jangka panjang. and opening up opportunities for long-term growth.
Lebih lanjut, Dewan Komisaris berpendapat bahwa sasaran Furthermore, the Board of Commissioners is also of the view
kinerja dan langkah strategis yang dituangkan Direksi dalam that performance targets and strategic steps outlined by the
Rencana Bisnis Bank telah disusun secara terukur dan realistis, Board of Directors in the Bank's Business Plan have been
serta selaras dengan arah pengembangan jangka menengah formulated in a measurable and realistic manner, and that these
dan jangka panjang Perseroan. Atas dasar tersebut, Dewan aforementioned steps have also been properly aligned with the
Komisaris menyatakan dukungan penuh terhadap pelaksanaan Company's medium- and long-term development direction. On
strategi yang telah ditetapkan dan akan terus menjalankan the basis of this assessment, the Board of Commissioners has
fungsi pengawasan serta pemberian nasihat agar seluruh provided its full support for the implementation of the Bank's
target dapat dicapai secara optimal. established strategy. It will continue to perform its supervisory
and advisory functions to ensure that all targets are optimally
achieved.
Secara keseluruhan, Dewan Komisaris menilai bahwa prospek Overall, the Board of Commissioners is of the view that the
usaha ke depan menunjukkan arah yang konstruktif, didukung Bank's future business outlook is constructive and will be
oleh fondasi ekonomi nasional yang kuat dan sistem keuangan supported by a strong national economic foundation and a
yang stabil. Keberhasilan Bank dalam merespons perubahan stable financial system. The Bank's success in responding to
lingkungan usaha, mengelola risiko secara prudent, serta changes in the business environment, managing risks prudently,
menghadirkan inovasi produk dan layanan yang relevan akan and delivering relevant product and service innovations will
menjadi faktor kunci dalam menciptakan pertumbuhan yang serve as key factors in creating sustainable growth and long-
berkelanjutan dan nilai jangka panjang bagi seluruh pemangku term value for all stakeholders.
kepentingan.
Pandangan Dewan Komisaris terhadap Tata Kelola The Board of Commissioners' Views on Corporate
Perusahaan Governance
Dalam menjalankan perannya, Dewan Komisaris menempatkan In carrying out its role, the Board of Commissioners has
keberlanjutan usaha Bank sebagai prioritas utama melalui prioritized the Bank's business sustainability through consistent
pengawasan yang konsisten atas kinerja Direksi. Pengawasan efforts at providing oversight of the Board of Directors'
tersebut dijalankan dengan menekankan pentingnya performance. This oversight has emphasized the importance
penerapan tata kelola perusahaan yang baik sebagai fondasi of implementing good corporate governance as the foundation
pengelolaan Bank yang sehat, prudent, dan berintegritas. Bank for healthy, prudent, and integrity-based Bank management.
secara berkelanjutan menginternalisasikan prinsip transparansi, The Bank has continuously internalized principles of
akuntabilitas, tanggung jawab, independensi, dan kewajaran ke transparency, accountability, responsibility, independence, and
dalam seluruh aktivitas usaha, baik melalui penguatan struktur fairness into all of its business activities, whether it's through its
tata kelola maupun penyempurnaan proses pengambilan strengthening of its governance structure or through its refining
keputusan, sehingga mampu menghasilkan kualitas tata of its decision-making processes. These efforts have resulted in
kelola yang memadai sesuai dengan ketentuan Otoritas Jasa the Bank achieving adequate governance quality in accordance
Keuangan. with Financial Services Authority (OJK) regulations.
Dari sisi struktur tata kelola, Dewan Komisaris menilai bahwa In terms of its governance structure, the Board of
organisasi Bank telah dirancang secara proporsional dan Commissioners is of the view that the Bank's organization has
memadai untuk mendukung keberlanjutan bisnis yang disertai been designed proportionally and adequately, and in such
penerapan manajemen risiko yang efektif. Komposisi pengurus a way that has enabled support for business sustainability
telah memenuhi persyaratan yang berlaku, didukung oleh and for the implementation of effective risk management.
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keberadaan Komite Audit, Komite Pemantau Risiko, serta The management's composition has been deemed to meet
Komite Nominasi dan Remunerasi di bawah Dewan Komisaris, applicable requirements and has the support of an Audit
serta pembentukan komite-komite pendukung di bawah Direksi Committee, a Risk Monitoring Committee, and a Nomination
sesuai ketentuan. Struktur tersebut memberikan kerangka and Remuneration Committee, all of which are under the Board
pengawasan dan pengendalian yang diperlukan dalam of Commissioners. Supporting committees under the Board
menjalankan aktivitas Bank secara prudent. of Directors have also been established in accordance with
regulations. This structure provides the necessary oversight
and control framework for the prudent operation of the Bank's
activities.
Pada aspek penguatan budaya dan sumber daya manusia, Regarding the strengthening of culture and human resources,
Dewan Komisaris mencermati bahwa internalisasi nilai etika telah the Board of Commissioners has observed that the Bank's
dilakukan secara menyeluruh melalui penandatanganan Kode internalization of ethical values has been comprehensively
Etik oleh seluruh karyawan, yang pemantauannya dilakukan implemented through the signing of a Code of Ethics by all
secara berkala. Bank juga secara konsisten mengembangkan employees, accompanied by regular monitoring efforts. The
kapabilitas sumber daya manusia melalui program pelatihan dan Bank has also consistently developed its human resource
pengembangan yang terstruktur, dengan mempertimbangkan capabilities through structured training and development
kebutuhan kompetensi di seluruh jenjang organisasi. programs that take into account competency needs at all levels
of the organization.
Dari sisi proses tata kelola, Dewan Komisaris menilai bahwa When it comes to the Bank's governance processes, the Board
Direksi telah mengimplementasikan mekanisme pengelolaan of Commissioners is of the view that the Board of Directors has
risiko dan pengendalian internal secara independen dan efektif. implemented risk management and internal control mechanisms
Proses tersebut memungkinkan Bank untuk mengidentifikasi, independently and effectively. These processes have enabled
mengukur, memantau, dan mengendalikan risiko yang the Bank to adequately identify, measure, monitor, and control
melekat pada kegiatan usaha secara memadai. Pengambilan risks inherent in its business activities. Strategic decisions have
keputusan strategis dilakukan melalui mekanisme musyawarah been made through deliberation and consensus, both through
untuk mufakat, baik dalam forum Direksi maupun dalam Board of Directors' forums and through joint meetings between
rapat gabungan antara Direksi dan Dewan Komisaris, yang the Board of Directors and the Board of Commissioners, all
diselenggarakan sesuai ketentuan dan kebutuhan Bank. held in accordance with the Bank's regulations and needs.
Dewan Komisaris juga menilai bahwa fungsi-fungsi pendukung The Board of Commissioners has also assessed that the Bank's
tata kelola, khususnya Fungsi Kepatuhan, telah menjalankan supporting functions of governance, particularly its Compliance
perannya secara efektif dalam memastikan kepatuhan terhadap Function, have effectively carried out their roles in ensuring
ketentuan internal dan eksternal. Hal ini tercermin antara lain compliance with internal and external regulations. All of this
melalui pemberian opini kepatuhan atas produk, aktivitas, serta can be seen reflected, among other things, in the issuance of
kebijakan dan prosedur Bank. Selain itu, proses penyusunan compliance opinions on the Bank's products, activities, and
Rencana Bisnis Bank dilakukan secara partisipatif dengan policies and procedures. Furthermore, the Bank's Business Plan
melibatkan seluruh jajaran organisasi, sehingga selaras dengan development process has been conducted in a participatory
rencana kerja tahunan masing-masing fungsi dan unit kerja. manner that has involved all levels of the organization and
ensured alignment with the annual work plans of each function
and work unit.
Secara keseluruhan, Dewan Komisaris meyakini bahwa Overall, the Board of Commissioners is of the belief that Good
penerapan Tata Kelola Perusahaan yang Baik telah terintegrasi Corporate Governance implementation has been adequately
secara memadai dalam proses bisnis dan operasional Bank, integrated into the Bank's business and operational processes
serta menjadi fondasi penting dalam mendukung keberlanjutan and that these processes will continue to serve as a critical
usaha dan penciptaan nilai jangka panjang bagi seluruh foundation for supporting business sustainability and creating
pemangku kepentingan. long-term value for all stakeholders.
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Penilaian Kinerja Komite di bawah Dewan Performance Assessment of Committees under
Komisaris the Board of Commissioners
Dewan Komisaris secara berkala melakukan evaluasi atas The Board of Commissioners has periodically evaluated
kinerja organ dan komite pendukung sebagai bagian dari upaya the performance of its organs and supporting committees
menjaga efektivitas fungsi pengawasan. Evaluasi tersebut as part of its efforts to maintain the effectiveness of its
dilaksanakan secara menyeluruh, baik dalam kerangka kolektif supervisory function. These evaluations have been conducted
maupun individual, dengan mengacu pada kesesuaian struktur, comprehensively (both on a collective and individual level)
kelengkapan peran, serta kualitas pelaksanaan tugas masing- and with reference to the appropriateness of the structure, the
masing organ dan komite. completeness of roles, and the quality of implementation for
each organ and each committee as they carry out their duties.
Sepanjang tahun 2025, Dewan Komisaris menilai bahwa Komite The Board of Commissioners is of the view that the Audit
Audit, Komite Pemantau Risiko Usaha, serta Komite Nominasi Committee, the Business Risk Oversight Committee, and the
dan Remunerasi telah menjalankan peran dan tanggung Nomination and Remuneration Committee have all optimally
jawabnya secara optimal dalam mendukung pelaksanaan carried out their roles and responsibilities in supporting the
fungsi pengawasan terhadap pengelolaan Bank. Penilaian oversight function of Bank management throughout 2025. The
dilakukan secara kualitatif dengan mempertimbangkan tingkat board's assessments of these committees were conducted
partisipasi dan keaktifan komite, ketertiban dalam proses dan qualitatively and took into account the level of participation
dokumentasi, serta relevansi dan kualitas rekomendasi yang and activeness of each of these committees, the orderliness
disampaikan kepada Dewan Komisaris. of their processes and documentation, and the relevance and
quality of recommendations they have submitted to the Board
of Commissioners.
Dalam pelaksanaannya, Komite Audit telah menyelenggarakan The Audit Committee has held 28 (twenty-eight) meetings
rapat sebanyak 28 (dua puluh delapan) kali, Komite Pemantau overall, while Risk Monitoring Committee held 27 (twenty-seven)
Risiko sebanyak 27 (dua puluh tujuh) kali, dan Komite Nominasi meetings, and the Nomination and Remuneration Committee
dan Remunerasi sebanyak 13 (tiga belas) kali sepanjang tahun held 13 (thirteen) meetings throughout 2025. In gratitude for
2025. Atas komitmen, dedikasi, dan kontribusi yang telah their commitment, dedication, and contributions, the Board
diberikan, Dewan Komisaris menyampaikan apresiasi dan of Commissioners would like to express its appreciation and
penghargaan kepada seluruh anggota komite pendukung atas gratitude for all members of these supporting committees for
peran aktifnya dalam memperkuat tata kelola dan pengawasan their active role in strengthening the Bank's governance and
Bank. oversight.
Perubahan Komposisi Dewan Komisaris Changes to the Board of Commissioners'
Composition
Sepanjang tahun 2025 komposisi Dewan Komisaris Bank tidak The composition of the Bank's Board of Commissioners
mengalami perubahan. Dengan demikian, susunan komposisi has remained unchanged throughout 2025. As such, the
Dewan Komisaris per 31 Desember 2025 adalah sebagai composition of the Board of Commissioners as of 31 December,
berikut: 2025, is as follows:
Nama Jabatan Dasar Pengangkatan Masa Jabatan Periode Jabatan
Name Position Basis of Appointment Term of Office Term of Office
Aviliani Komisaris Utama RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Independen Annual GMS of 31 May, 2024 2024 - Annual GMS 2027 Second
Independent
President
Commissioner
Rosmaya Komisaris Independen RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Independent Annual GMS of 31 May, 2024 2024 - Annual GMS 2027 Second
Commissioner
Ali Gunawan Komisaris RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Commissioner Annual GMS of 31 May, 2024 2024 - Annual GMS 2027 Second
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Penutup Closing
Atas nama Dewan Komisaris, kami menyampaikan On behalf of the Board of Commissioners, we would like to
penghargaan yang setinggi-tingginya kepada para pemegang express our deepest appreciation to all shareholders and
saham dan seluruh pemangku kepentingan atas kepercayaan stakeholders for their continued trust and support in the
serta dukungan yang senantiasa diberikan kepada Bank. Bank. This trust serves as a crucial foundation for maintaining
Kepercayaan tersebut merupakan landasan penting dalam the Company's sustainability and development direction.
menjaga keberlanjutan dan arah pengembangan Perseroan. The Board of Commissioners would also like to express its
Dewan Komisaris juga menyampaikan apresiasi yang tulus sincere appreciation to the Board of Directors, Management,
kepada Direksi, jajaran Manajemen, dan seluruh karyawan and all employees for their commitment, professionalism,
atas komitmen, profesionalisme, serta dedikasi yang telah and dedication in driving the Bank's performance and
ditunjukkan dalam mendorong penguatan kinerja dan transformation. We extend our same appreciation to our
transformasi Bank. Penghargaan yang sama kami sampaikan customers and business partners for their ongoing partnership,
kepada para nasabah dan mitra bisnis atas kemitraan, loyalitas, loyalty, and trust.
dan kepercayaan yang terus terjalin.
Menatap periode mendatang, Dewan Komisaris mengajak Looking ahead, the Board of Commissioners would like to
seluruh pemangku kepentingan untuk melanjutkan upaya encourage all stakeholders to continue alongside us a spirit
terbaik dengan semangat kebersamaan dan optimisme. of togetherness and optimism. With hard work, synergy, and
Dengan kerja keras, sinergi, dan doa, kami meyakini bahwa prayer, we are confident that the Bank's achievements in 2025
capaian sepanjang tahun 2025 serta berbagai tantangan pada and its various upcoming challenges in 2026 can be managed
tahun 2026 dapat dikelola secara positif dan berkelanjutan positively and sustainably to create long-term value for all
demi penciptaan nilai jangka panjang bagi seluruh pihak. parties.
Jakarta, 31 Maret | March 2026
Aviliani
Komisaris Utama Independen
Independent President Commissioner
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Penjelasan
Direksi
● Board of Directors' Explanation
Perseroan berkomitmen
untuk tidak hanya menjawab
kebutuhan nasabah secara
The Company is committed
menyeluruh, tetapi juga not only to addressing
menciptakan nilai tambah yang customers’ needs in a
comprehensive manner, but
berkelanjutan bagi seluruh also to creating sustainable
pemangku kepentingan. value for all stakeholders.
Sepanjang tahun 2025, dinamika Throughout 2025, dynamic uncertainty will
Pemegang ketidakpastian masih mewarnai berbagai continue to influence a variety of industrial
Saham dan sektor industri, termasuk perbankan. Di tengah sectors that include banking. Despite these
Pemangku kondisi tersebut, PT Allo Bank Indonesia Tbk conditions, PT Allo Bank Indonesia Tbk
Kepentingan
secara konsisten mengedepankan langkah has consistently prioritized risk mitigation
yang Terhormat,
mitigasi risiko dan menjaga fokus pada kinerja measures and has maintained a focus on
Dear yang berkelanjutan. Manajemen menempuh sustainable performance. Management has
Shareholders berbagai kebijakan strategis secara terukur implemented various strategic policies in a
and untuk merespons tantangan usaha sekaligus measured manner to respond to business
Stakeholders, mengoptimalkan peluang yang tersedia. challenges while simultaneously optimizing
available opportunities.
Laporan Tahunan ini disusun sebagai wujud This Annual Report is prepared as a form
pertanggungjawaban manajemen atas arah of management accountability for the
strategi dan capaian kinerja Bank sepanjang Bank's strategic direction and performance
tahun 2025. Selain itu, laporan ini merekam achievements throughout 2025.
perjalanan Perseroan dalam mengeksekusi Furthermore, this report has also documented
agenda transformasi dan pengembangan the Company's journey in executing its
usaha, sejalan dengan visi dan misi yang transformation and business development
telah ditetapkan. agenda, in line with its established vision and
mission.
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Ari
Yanuanto
Asah
Plt.Direktur Utama
Acting President
Director
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Tinjauan Makro Ekonomi Macroeconomic Review
Mengacu pada paparan Bank Indonesia dalam buku Pertemuan According to Bank Indonesia's presentation in its 2025 Annual
Tahunan Bank Indonesia 2025, perekonomian global masih Meeting, the global economy has remained in a phase of
berada dalam fase perlambatan yang tidak merata antar negara uneven slowdown across countries and regions. Global
dan kawasan. Pertumbuhan ekonomi dunia diproyeksikan economic growth was projected to be in the range of ± 3.0%,
berada di kisaran ± 3,0%, dipengaruhi oleh berlanjutnya influenced by the continuation of tight global monetary policy,
kebijakan moneter global yang ketat, fragmentasi geopolitik, geopolitical fragmentation, and the uneven post-pandemic
serta proses normalisasi aktivitas ekonomi pasca pandemi yang normalization process of economic activity. The performance
belum sepenuhnya seimbang. Kinerja negara maju cenderung of developed economies tended to weaken as high interest
melemah seiring tingginya suku bunga yang menahan konsumsi rates restrained consumption and investment, while developing
dan investasi, sementara negara berkembang, khususnya economies, particularly in Asia, demonstrated relatively better
di kawasan Asia, menunjukkan ketahanan relatif lebih baik resilience despite remaining exposed to external risks.
meskipun tetap dihadapkan pada risiko eksternal.
Tekanan inflasi global menunjukkan tren moderasi, namun Global inflationary pressures played a moderating role but
masih berada pada level yang relatif tinggi di sejumlah negara remained at relatively high levels in several key economies.
utama. Kondisi tersebut mendorong bank sentral global This situation has prompted global central banks to maintain
untuk mempertahankan kebijakan moneter ketat secara hati- prudently tight monetary policies over the longer term. The
hati dalam jangka waktu yang lebih panjang. Lingkungan high global interest rate environment has resulted in limited
suku bunga global yang tinggi berdampak pada terbatasnya international liquidity, increased funding costs, and continued
likuiditas internasional, meningkatnya biaya pendanaan, serta volatility in global financial markets, which indirectly impacted
berlanjutnya volatilitas di pasar keuangan global, yang secara the dynamics of the banking industry.
tidak langsung mempengaruhi dinamika industri perbankan.
Di tengah kondisi global tersebut, perekonomian Indonesia Despite these global conditions, the Indonesian economy was
menunjukkan ketahanan yang solid. Bank Indonesia able to demonstrate solid resilience. Bank Indonesia projected
memproyeksikan pertumbuhan ekonomi nasional berada pada national economic growth in the range of 4.7% to 5.5%,
kisaran 4,7%–5,5%, ditopang oleh permintaan domestik yang supported by continued strong domestic demand, particularly
tetap kuat, terutama konsumsi rumah tangga dan pertumbuhan household consumption and investment growth. A consistent
investasi. Konsistensi bauran kebijakan moneter, fiskal, dan mix of monetary, fiscal, and real sector policies played a
sektor riil turut berperan dalam menjaga stabilitas ekonomi role in maintaining macroeconomic stability and supporting
makro serta mendukung keberlanjutan pertumbuhan. sustainable growth.
Dari sisi stabilitas harga, inflasi nasional diperkirakan tetap In terms of price stability, national inflation was predicted
terkendali dalam sasaran 2,5% ± 1%, mencerminkan efektivitas to remain under control within the 2.5% ± 1% target range,
pengendalian inflasi baik di tingkat pusat maupun daerah. Inflasi reflecting the effectiveness of inflation control at both the
inti yang terjaga serta terkendalinya inflasi pangan memberikan central and regional levels. Steady core inflation and controlled
ruang yang memadai bagi perekonomian untuk tumbuh secara food inflation provided sufficient room for the economy to
berkesinambungan tanpa menimbulkan tekanan berlebihan grow sustainably without putting undue pressure on public
terhadap daya beli masyarakat. purchasing power.
Pada sektor eksternal, neraca pembayaran Indonesia In the external sector, Indonesia's balance of payments was
diproyeksikan tetap berada dalam kondisi yang sehat, didukung projected to remain healthy, supported by strong export
oleh kinerja ekspor yang cukup baik serta posisi cadangan performance and an adequate foreign exchange reserve
devisa yang memadai. Ketahanan eksternal tersebut berperan position. This external resilience played a crucial role in
penting dalam menjaga stabilitas nilai tukar Rupiah di tengah maintaining the stability of the Rupiah exchange rate in the
meningkatnya volatilitas pasar keuangan global dan dinamika midst of increasing global financial market volatility and the
arus modal internasional. dynamics of international capital flows.
Sejalan dengan itu, stabilitas sistem keuangan nasional tetap Consequently, the stability of the national financial system
terjaga, tercermin dari permodalan perbankan yang kuat, remained maintained, as can be seen reflected in strong bank
tingkat likuiditas yang memadai, serta risiko kredit yang relatif capital, adequate liquidity levels, and relatively controlled credit
terkendali. Kondisi tersebut memberikan fondasi yang solid bagi risk. These conditions provided a solid foundation for the
sektor perbankan untuk terus menjalankan fungsi intermediasi banking sector to continue to carry out its intermediary function
secara pruden, memperluas penyaluran pembiayaan kepada prudently. These conditions also helped the sector to expand
sektor-sektor produktif, serta mendukung pemulihan dan financing distribution to productive sectors, and support
pertumbuhan ekonomi nasional secara berkelanjutan. sustainable national economic recovery and growth.
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Tinjauan Segmen Industri Industry Segment Review
Bank Indonesia juga menyatakan bahwa ketidakpastian Bank Indonesia has also stated that global economic
perekonomian global yang ditandai oleh perlambatan uncertainty, characterized by slowing growth, high interest
pertumbuhan, suku bunga tinggi, serta volatilitas pasar rates, and financial market volatility, remained an external factor
keuangan masih menjadi faktor eksternal yang mempengaruhi impacting the banking industry's performance. These conditions
kinerja industri perbankan. Kondisi tersebut berdampak pada have led to increased caution in liquidity management, funding
meningkatnya kehati-hatian dalam pengelolaan likuiditas, structures, and credit distribution strategies, all of which are
struktur pendanaan, serta strategi penyaluran kredit, seiring in line with increasingly selective global liquidity and rising
dengan semakin selektifnya likuiditas global dan naiknya biaya funding costs.
dana.
Di sisi domestik, prospek perekonomian nasional yang tetap Domestically, the national economic outlook has remained solid,
solid dengan pertumbuhan yang diproyeksikan berada pada with projected growth in the range of 4.7%–5.5% and inflation
kisaran 4,7%–5,5% serta inflasi yang terjaga dalam rentang maintained within its target range. This outlook has providing
sasaran memberikan dukungan positif bagi keberlanjutan positive support for the sustainability of banking’s intermediary
fungsi intermediasi perbankan. Aktivitas konsumsi dan investasi function. Continued growth in domestic consumption and
domestik yang terus bertumbuh diperkirakan akan menjaga investment activity is expected to maintain financing demand,
permintaan pembiayaan, khususnya pada sektor-sektor particularly in productive sectors, in line with the direction of
produktif yang sejalan dengan arah pembangunan ekonomi national economic development.
nasional.
Stabilitas sistem keuangan yang terjaga, tercermin dari Maintained financial system stability, as can be seen reflected
permodalan yang kuat dan likuiditas yang memadai, menjadi in strong capital and adequate liquidity, has served as key
penyangga utama industri perbankan dalam menghadapi buffer for the banking industry in facing global dynamics.
dinamika global. Meski demikian, perbankan tetap dituntut Nevertheless, banks continued to be in need of strengthened
untuk memperkuat kerangka manajemen risiko secara risk management frameworks on an ongoing basis, particularly
berkelanjutan, terutama dalam mengantisipasi potensi tekanan for anticipating potential pressures on asset quality, exchange
terhadap kualitas aset, fluktuasi nilai tukar, serta perubahan rate fluctuations, and changes in market conditions that could
kondisi pasar yang dapat mempengaruhi profil risiko Bank. impact their risk profile.
Sejalan dengan arah kebijakan Bank Indonesia yang In line with Bank Indonesia's policy direction of emphasizing
menekankan sinergi kebijakan moneter, makroprudensial, synergy between monetary, macroprudential, and payment
dan sistem pembayaran, perbankan didorong untuk terus system policies, banks have been encouraged to continuously
melakukan penyesuaian strategi melalui penguatan digitalisasi, adjust their strategies by strengthening digitalization, improving
peningkatan efisiensi operasional, serta pengembangan operational efficiency, and developing products and services
produk dan layanan yang adaptif terhadap kebutuhan nasabah. that adapt to customer needs. The use of technology and
Pemanfaatan teknologi dan transformasi digital menjadi elemen digital transformation have both served as crucial elements
penting dalam meningkatkan daya saing sekaligus memperluas in enhancing competitiveness while sustainably expanding
jangkauan layanan secara berkelanjutan. service reach.
Dengan mempertimbangkan dinamika tersebut, industri By considering these dynamics, the banking industry has
perbankan memiliki peluang untuk tetap bertumbuh secara the opportunity to maintain healthy growth despite global
sehat di tengah tantangan global, dengan tetap menjaga challenges, all while maintaining a balance between business
keseimbangan antara pertumbuhan bisnis dan penerapan growth and the implementation of prudent principles. This
prinsip kehati-hatian. Pendekatan yang prudent dan adaptif prudent and adaptive approach is designed to strengthen the
diharapkan dapat memperkuat peran perbankan dalam role of banks in supporting national economic financing and
mendukung pembiayaan perekonomian nasional serta creating long-term value for all stakeholders.
menciptakan nilai jangka panjang bagi seluruh pemangku
kepentingan.
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Peranan Direksi dalam Perumusan Strategi dan The Board of Directors' Role in Formulating
Kebijakan Strategis Strategy and Strategic Policies
Direksi secara aktif dan berkesinambungan merumuskan The Board of Directors has actively and continuously formulated
arah strategis Perseroan dengan mempertimbangkan strategic directions that have taken into account macroeconomic
dinamika makro ekonomi serta prospek industri perbankan. dynamics and the banking industry's outlook. Improvements in
Membaiknya kondisi perekonomian domestik yang ditopang domestic economic conditions (supported by Bank Indonesia's
oleh penurunan suku bunga acuan Bank Indonesia, penguatan reduction in benchmark interest rates, the strengthening of the
nilai tukar Rupiah, serta terkendalinya inflasi menjadi landasan Rupiah exchange rate, and controlled inflation) have served
penting dalam penetapan strategi Perseroan untuk tahun as key foundations for establishing the Company's strategy
2025. Momentum tersebut diperkirakan akan mendorong for 2025. This momentum was seen to have increased public
peningkatan konsumsi masyarakat, khususnya pada periode consumption, particularly during religious and national holiday
hari raya dan libur nasional, yang selanjutnya berdampak positif periods, which subsequently has positively impacted demand
terhadap permintaan barang dan jasa serta aktivitas ekonomi for goods and services and overall economic activity.
secara keseluruhan.
Dalam merespons peluang tersebut, Direksi menetapkan In response to this opportunity, the Board of Directors has
kebijakan strategis yang diarahkan untuk memperkuat peran established strategic policies aimed at strengthening Allo
Allo Bank sebagai bank digital yang relevan, adaptif, dan Bank's role as a relevant, adaptive, and customer-oriented
berorientasi pada kebutuhan nasabah. Perseroan berkomitmen digital bank. The Company is committed to not only meeting
untuk tidak hanya menjawab kebutuhan nasabah secara customer needs holistically but also creating sustainable added
menyeluruh, tetapi juga menciptakan nilai tambah yang value for all stakeholders. This strategy has been supported by
berkelanjutan bagi seluruh pemangku kepentingan. Strategi a strong and independent business model and the Company's
tersebut didukung oleh model bisnis yang kuat dan mandiri, experience in managing sustainable retail growth.
serta pengalaman Perseroan dalam mengelola pertumbuhan
ritel yang berkelanjutan.
Direksi secara konsisten mengarahkan pengembangan The Board of Directors has consistently directed the development
portofolio produk dan layanan perbankan digital yang of a comprehensive portfolio of digital banking products and
komprehensif, baik untuk segmen ritel maupun korporasi. services for both its retail and corporate segments. All of its
Seluruh layanan dirancang berbasis digital end-to-end dengan services are designed to be end-to-end digital, with a focus
fokus pada kemudahan akses, efisiensi proses, dan integrasi on ease of access, process efficiency, and service integration
layanan dalam satu platform aplikasi. Pendekatan ini merupakan within a single application platform. This approach is part of
bagian dari kebijakan strategis Perseroan untuk meningkatkan the Company's strategic policy to enhance the convenience,
kenyamanan, kecepatan, serta kualitas pengalaman nasabah speed, and quality of its customer transaction experience.
dalam bertransaksi.
Pada lini transaksi dan sistem pembayaran, Direksi menetapkan Within the transaction and payment system sector, the
penguatan layanan sebagai prioritas strategis guna mendorong Board of Directors has established service strengthening as
peningkatan aktivitas dan keterikatan nasabah. Penyediaan a strategic priority to encourage increased customer activity
fitur-fitur utama seperti pembayaran QRIS, transfer dana, and engagement. Key features (such as QRIS payments, fund
pembayaran tagihan, pengisian saldo, serta layanan tarik dan transfers, bill payments, balance top-ups, and QR code-based
setor tunai berbasis QR code dirancang untuk mendukung cash withdrawals and deposits) have been designed to securely
kebutuhan transaksi harian nasabah secara aman dan efisien. and efficiently support the daily transaction needs of the Bank's
Kebijakan ini diperkuat dengan pengembangan program customers. This policy has been reinforced by the development
loyalitas yang diarahkan pada peningkatan frekuensi transaksi of a loyalty program aimed at increasing transaction frequency
dan penggunaan layanan secara berulang. and repeat service usage.
Dalam rangka memperkuat struktur pendanaan, Direksi To strengthen its funding structure, the Board of Directors
merumuskan strategi penghimpunan dana yang inovatif has formulated an innovative fundraising strategy through
melalui pengembangan produk simpanan dan deposito digital its development of digital savings and time deposit products
dengan skema imbal hasil yang kompetitif. Produk simpanan with competitive yield schemes. Flexible savings products with
fleksibel dengan struktur suku bunga bertahap menjadi bagian a graduated interest rate structure have been a part of this
dari kebijakan strategis untuk mendorong pertumbuhan Dana strategic policy to encourage sustainable growth of Third Party
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Pihak Ketiga secara berkelanjutan, sekaligus menjaga stabilitas Funds, all while maintaining funding stability and cost efficiency.
pendanaan dan efisiensi biaya dana. Peluncuran kartu debit The launch of a virtual debit card has also been strategic step
virtual juga menjadi langkah strategis untuk memperluas for expanding digital transaction acceptance and strengthening
akseptasi transaksi digital dan memperkuat posisi rekening Allo the position of Allo Bank accounts as the primary accounts of
Bank sebagai rekening utama nasabah. its customers.
Pada sisi pembiayaan, Direksi menetapkan kebijakan penyaluran On the financing side of things, the Board of Directors has
kredit ritel yang inklusif, transparan, dan berbasis teknologi. established an inclusive, transparent, and technology-based
Produk pembiayaan dirancang dengan fleksibilitas limit dan retail credit distribution policy. Financing products have been
tenor untuk menjangkau segmen masyarakat yang sebelumnya designed with flexible limits and tenors in such a way that
memiliki keterbatasan akses terhadap pembiayaan formal. enable them to reach segments of society that previously had
Selain itu, Perseroan mengembangkan skema pembiayaan limited access to formal financing. Furthermore, the Company
inovatif yang memungkinkan pembentukan riwayat kredit has developed an innovative financing scheme that has allowed
secara bertahap dengan risiko yang terukur. Seluruh proses for gradual credit history building with measurable risks. The
penyaluran kredit didukung oleh sistem underwriting berbasis entire credit distribution process is supported by a data- and
data dan teknologi guna menjaga kualitas aset seiring dengan technology-driven underwriting system designed to maintain
pertumbuhan portofolio pembiayaan. asset quality as financing portfolios grow.
Sejalan dengan pengembangan produk dan layanan, Direksi In line with product and service developments, the Board of
juga merumuskan strategi kemitraan sebagai salah satu Directors has also formulated a partnership strategy as a key
pilar utama pertumbuhan. Pada tahap awal, Perseroan pillar of growth. Initially, the Company leveraged synergies
memanfaatkan sinergi dengan ekosistem Grup CT Corp within CT Corp Group ecosystem to accelerate user acquisition
untuk mempercepat akuisisi pengguna dan meningkatkan and increase service adoption. Subsequently, the Board of
adopsi layanan. Selanjutnya, Direksi secara aktif mendorong Directors has actively encouraged partnership diversification
diversifikasi kemitraan di luar ekosistem tersebut, mencakup beyond this ecosystem, encompassing various industry sectors
berbagai sektor industri seperti ritel, makanan dan minuman, such as retail, food and beverage, media, entertainment,
media, hiburan, kesehatan, transportasi, serta sektor strategis healthcare, transportation, and other strategic sectors.
lainnya.
Diversifikasi ekosistem kemitraan ini tidak hanya memperluas This partnership ecosystem diversification has not only
basis nasabah dan meningkatkan volume transaksi, tetapi juga expanded the Bank's customer base and increased transaction
memperkaya pemanfaatan data perilaku nasabah yang menjadi volumes, it has also enhanced the Bank's utilization of customer
dasar penting dalam penyempurnaan strategi pemasaran, behavioral data. This data serves as a critical basis for refining
pengembangan produk, serta penguatan proses manajemen marketing strategies, product development, and strengthening
risiko. Peningkatan kontribusi transaksi dari mitra di luar risk management processes. The increased contribution of
ekosistem utama mencerminkan kemampuan Perseroan untuk transactions from partners outside the core ecosystem serves
tumbuh secara independen dan berkelanjutan. to reflects the Company's ability to grow independently and
sustainably.
Secara keseluruhan, Direksi meyakini bahwa integrasi antara Overall, the Board of Directors is of the belief that the integration
perumusan strategi produk, kebijakan pendanaan dan of product strategy formulation, funding and financing policies,
pembiayaan, serta pengembangan ekosistem kemitraan and the development of a diversified partnership ecosystem
yang terdiversifikasi merupakan fondasi utama dalam has serve as key foundations for building Allo Bank's healthy,
membangun pertumbuhan Allo Bank yang sehat, berimbang, balanced, and sustainable growth. This strategic approach
dan berkelanjutan. Pendekatan strategis tersebut diarahkan has aimed at increasing customer engagement, optimizing
untuk meningkatkan engagement nasabah, mengoptimalkan profitability, and creating long-term value, in line with the
profitabilitas, serta menciptakan nilai jangka panjang, sejalan implementation of prudent principles and Good Corporate
dengan penerapan prinsip kehati-hatian dan Tata Kelola Governance.
Perusahaan yang Baik
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Proses yang dilakukan Direksi untuk Memastikan The Board of Directors' Process to Ensure
Implementasi Strategi Strategy Implementation
Direksi menyadari bahwa keberhasilan strategi tidak hanya The Board of Directors understand that success in strategy
ditentukan oleh ketepatan perumusan arah bisnis, tetapi juga is determined not only by the accuracy of business direction
oleh disiplin eksekusi dan konsistensi implementasi di seluruh formulation, but also through disciplined execution and
lini organisasi. Oleh karena itu, Direksi memastikan bahwa consistent implementation across all levels of the organization.
setiap kebijakan strategis yang ditetapkan diterjemahkan secara As such, the Board of Directors has ensured that every one of its
sistematis ke dalam rencana kerja operasional yang terukur, established strategic policies has been systematically translated
selaras, dan dapat dimonitor secara berkelanjutan. into a measurable, aligned, and operational work plan that can
be continuously monitored.
Sebagai langkah awal, Direksi menetapkan penjabaran strategi For its first step, the Board of Directors has outlined the
Perseroan ke dalam Rencana Bisnis Bank (RBB), rencana kerja Company's strategy in the Bank Business Plan (RBB), annual
tahunan, serta Objectives and Key Results (OKR) yang jelas work plan, and through clear Objectives and Key Results (OKR)
pada tingkat Direksi, manajemen, hingga unit kerja. Penetapan at multiple levels spanning the Board of Directors, management,
target kinerja dilakukan dengan mempertimbangkan kondisi and work units. Performance targets have been established
makroekonomi, kapasitas permodalan dan likuiditas Bank, profil by taking macroeconomic conditions, the Bank's capital and
risiko, serta kesiapan infrastruktur dan sumber daya manusia, liquidity capacity, risk profile, and infrastructure and human
sehingga sasaran yang ditetapkan bersifat realistis dan dapat resource readiness into account. Such considerations ensure
dicapai secara prudent. that the targets are realistic and prudently achievable.
Dalam memastikan implementasi berjalan sesuai arah strategis, To ensure that implementation was aligned with strategic
Direksi secara rutin melakukan forum pengendalian kinerja directions, the Board of Directors regularly held performance
melalui rapat Direksi dan rapat manajemen lintas fungsi. control forums through Board of Directors meetings and cross-
Forum tersebut digunakan untuk memantau perkembangan functional management meetings. These forums were used
pencapaian target, mengevaluasi efektivitas program to monitor progress toward target achievements, evaluate
strategis, serta mengidentifikasi secara dini berbagai kendala the effectiveness of strategic programs, and early identify
operasional maupun risiko yang berpotensi mempengaruhi operational obstacles and risks that could have potentially
kinerja. Berdasarkan hasil evaluasi tersebut, Direksi secara aktif impacted performance. The Board of Directors then uses
melakukan penyesuaian kebijakan dan langkah tindak lanjut evaluation results to actively makes policy adjustments and take
yang diperlukan agar implementasi strategi tetap berada pada necessary follow-up steps to ensure strategy implementation
jalur yang telah ditetapkan. remained on track.
Pada pengembangan produk dan layanan digital, Direksi In developing digital products and services, the Board of
memastikan adanya proses perencanaan, pengujian, dan Directors has also ensured a structured planning, testing, and
peluncuran yang terstruktur dengan melibatkan fungsi bisnis, launch process involving business, information technology, risk
teknologi informasi, manajemen risiko, kepatuhan, dan hukum. management, compliance, and legal functions. This approach
Pendekatan ini diterapkan untuk memastikan bahwa setiap was implemented to ensure that each new product and
produk dan fitur baru tidak hanya menjawab kebutuhan feature not only meets customer needs but also complied with
nasabah, tetapi juga memenuhi prinsip kehati-hatian, kepatuhan prudential principles and regulatory compliance, and ensured
terhadap regulasi, serta kesiapan sistem operasional Bank. the readiness of the Bank's operational systems.
Dalam implementasi strategi pendanaan dan pembiayaan, In implementing the Bank's funding and financing strategy,
Direksi memastikan pengelolaan dilakukan secara terintegrasi the Board of Directors has ensured integrated management
antara fungsi bisnis, treasury, manajemen risiko, dan keuangan. between business, treasury, risk management, and finance
Pertumbuhan Dana Pihak Ketiga dan penyaluran kredit functions. Third-party fund growth and loan disbursements
dimonitor secara berkala dengan memperhatikan struktur were regularly monitored and took into account the cost
biaya dana, kualitas aset, serta profil risiko portofolio. Direksi structure of funds, asset quality, and portfolio risk profiles. The
juga memastikan bahwa sistem underwriting berbasis data Board of Directors has also ensured that data- and technology-
dan teknologi dimanfaatkan secara optimal untuk menjaga based underwriting systems have been optimally utilized to
keseimbangan antara pertumbuhan bisnis dan kualitas maintain a balance between business growth and financing
pembiayaan. quality.
Terkait pengembangan ekosistem kemitraan, Direksi When it came to the development of its partnership ecosystem,
menerapkan proses seleksi, evaluasi, dan pengelolaan mitra the Board of Directors has implemented a structured partner
yang terstruktur. Setiap kerja sama strategis dievaluasi tidak selection, evaluation, and management process. Each strategic
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hanya dari sisi potensi bisnis, tetapi juga keselarasan dengan partnership has been evaluated not only for its business potential
strategi jangka panjang Perseroan, kesiapan operasional, serta but also for its alignment with the Company's long-term strategy,
risiko yang melekat. Direksi secara berkala meninjau kinerja operational readiness and inherent risks. The Board of Directors
kemitraan dan efektivitas kontribusinya terhadap pertumbuhan has also periodically reviewed partnership performance and
transaksi, akuisisi nasabah, dan peningkatan engagement. the effectiveness of a partnership's contribution to transaction
growth, customer acquisition, and increased engagement.
Untuk mendukung konsistensi implementasi strategi, Direksi In order to support consistent strategy implementation, the
menempatkan penguatan tata kelola, manajemen risiko, dan Board of Directors has placed strengthening governance,
fungsi kepatuhan sebagai bagian integral dari proses eksekusi. risk management, and compliance functions as an integral
Direksi memastikan bahwa setiap aktivitas bisnis dijalankan part of its execution process. The Board of Directors has also
sesuai dengan kebijakan internal, ketentuan regulator, serta ensured that all business activities have been conducted in
prinsip Good Corporate Governance. Pengawasan internal accordance with internal policies, regulatory requirements,
dan pelaporan manajemen dilakukan secara berjenjang dan and the principles of Good Corporate Governance. Internal
terdokumentasi dengan baik, sehingga pengambilan keputusan oversight and management reporting have been conducted in
dapat dilakukan secara tepat waktu dan berbasis informasi a hierarchical manner and have all been well-documented in
yang andal. a way that ensured timely decision-making based on reliable
information.
Selain itu, Direksi mendorong penguatan kapabilitas organisasi Furthermore, the Board of Directors has encouraged a
melalui pengembangan sumber daya manusia dan budaya strengthening of organizational capabilities through human
kinerja yang berorientasi pada hasil. Program peningkatan resource development and a results-oriented performance
kompetensi, pemanfaatan teknologi, serta kolaborasi lintas culture. Competency improvement programs, technology
fungsi terus didorong agar organisasi memiliki kelincahan utilization, and cross-functional collaboration have been
(agility) dalam merespons perubahan lingkungan usaha. continuously promoted to ensure the organization's agility in
responding to changes in the business environment.
Melalui proses perencanaan yang terstruktur, mekanisme Through a structured planning process, disciplined monitoring
pemantauan yang disiplin, serta pengambilan keputusan mechanisms, and adaptive decision-making, the Board of
yang adaptif, Direksi meyakini bahwa strategi Perseroan Directors is of the belief that the Company's strategy can be
dapat diimplementasikan secara efektif dan berkelanjutan. implemented effectively and sustainably through an approach
Pendekatan ini menjadi landasan bagi Allo Bank dalam that can serve as a foundation for Allo Bank to maintain growth
menjaga momentum pertumbuhan, mengelola risiko secara momentum, manage risks prudently, and create long-term
prudent, serta menciptakan nilai jangka panjang bagi seluruh value for all stakeholders.
pemangku kepentingan.
Perbandingan antara Hasil yang Dicapai dengan Comparison of Targets and Results
yang Ditargetkan
Tahun 2025 ditandai oleh dinamika lingkungan usaha yang The year 2025 was marked by a challenging national business
menantang di tingkat nasional, namun kondisi tersebut justru environment. Nevertheless, this situation was able to present
menjadi momentum bagi Bank untuk menunjukkan ketahanan an opportunity for the Bank to demonstrate resilience and
dan konsistensi kinerja. Di tengah berbagai tekanan eksternal, consistent performance. Despite various external pressures, the
Perseroan tetap mampu mengelola aktivitas usaha secara Company remained able to manage its business activities in
terarah sehingga capaian kinerja dapat dipertahankan pada a focused manner that also maintained optimal performance
tingkat yang optimal. levels.
Dalam menetapkan sasaran kinerja, Allo Bank menempatkan In setting its performance targets, Allo Bank prioritized a
penguatan fundamental bisnis sebagai prioritas utama strengthening of business fundamentals through its formulation
melalui perumusan kebijakan strategis yang terukur dan of measurable and long-term strategic policies. Business targets
berorientasi jangka panjang. Target usaha disusun dengan were developed while taking into account internal capacity, risk
mempertimbangkan kapasitas internal, profil risiko, serta profiles, and available market opportunities, thus serving as
peluang pasar yang tersedia, sehingga dapat menjadi tolok relevant benchmarks for evaluating the effectiveness of strategy
ukur yang relevan dalam mengevaluasi efektivitas pelaksanaan implementation.
strategi.
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Sejalan dengan hal tersebut, sepanjang tahun 2025 Perseroan In line with this, the Company established several key
menetapkan sejumlah indikator kinerja utama yang bersumber performance indicators throughout 2025 that were derived
dari komponen usaha yang substansial sebagai dasar penilaian from substantial business components as a basis for its own
kinerja. Capaian aktual kemudian dibandingkan dengan performance assessments. Actual achievements were then
rencana yang telah ditetapkan untuk memberikan gambaran compared with its established plans to provide a comprehensive
yang komprehensif mengenai tingkat realisasi strategi dan picture of the level of strategy realization and the Bank's
kinerja usaha Bank, sebagaimana disajikan pada uraian berikut. business performance, all of which can be seen presented in
the following data.
• Aset • Assets
Per 31 Desember 2025, Bank membukukan Jumlah Aset As of 31 December, 2025, the Bank has recorded IDR18.47
sebesar Rp18,47 triliun yaitu 116% dari target Bank sebesar trillion in total assets, representing 116% of the Bank's
Rp15,96 triliun. Angka tersebut mengalami peningkatan target of IDR15.96 trillion. This figure represented a 32%
sebesar 32% dibanding tahun 2024 yang tercatat sebesar increase compared to IDR13.98 trillion in 2024. This asset
Rp13,98 triliun. Kinerja Aset tersebut didorong oleh performance was driven by increased loans disbursed from
peningkatan kredit yang disalurkan, baik dari segmen both of the rapidly-growing Wholesale and Retail segments.
Wholesale maupun segmen Retail yang tumbuh pesat.
• Pendapatan Operasional • Operating Income
Kinerja operasional Bank terus membaik selama tahun The Bank's operational performance continued to improve
2025. Pendapatan operasional naik 37% dibanding tahun during 2025. Operating income rose 37% (compared to the
lalu menjadi Rp1,98 triliun, yaitu 112% dari target Bank previous year) to IDR1.98 trillion, representing 112% of the
sebesar Rp1,77 triliun. Perbaikan kinerja ini didorong oleh Bank's target of IDR1.77 trillion. This improved performance
pertumbuhan, baik dalam pendapatan bunga bersih was driven by growth in both net interest income and fee-
maupun pendapatan berbasis biaya. Pendapatan bunga based income. Net interest income grew 29% year-on-year
bersih tumbuh 29% yoy menjadi Rp1,44 triliun, sementara to IDR1.44 trillion, while fee-based income grew 65% year-
pendapatan berbasis biaya tumbuh 65% yoy menjadi on-year to IDR543 billion, supported by loan disbursement
Rp543 miliar, didukung oleh penyaluran pinjaman di tengah despite challenging macroeconomic conditions.
kondisi makroekonomi yang menantang.
• Laba Bersih • Net Profit
Per 31 Desember 2025, laba setelah pajak tercatat sebesar As of 31 December, 2025, profit after tax was recorded at
Rp574 miliar yaitu 137% dari target Bank sebesar Rp417 IDR574 billion, which is 137% of the Bank's target of IDR417
miliar. Angka tersebut mengalami peningkatan sebesar 23% billion. This figure represented a 23% increase compared
dibanding tahun 2024 yang tercatat sebesar Rp467 miliar. to IDR467 billion recorded in 2024. The increase in net
Peningkatan laba bersih juga berkorelasi langsung dengan profit also directly correlated with increases in Net Interest
peningkatan Margin Bunga Bersih (NIM), Pengembalian Margin (NIM), Return on Assets (ROA), and Return on Equity
Aset (ROA), dan Pengembalian Ekuitas (ROE), yang tercatat (ROE), which were recorded at 10.1%, 4.9%, and 7.9%,
masing-masing sebesar 10,1%, 4,9%, dan 7,9%, yang respectively, representing increases of 120 bps, 110 bps,
mewakili peningkatan sebesar 120 bps, 110 bps, dan 50 bps and 50 bps compared to the same period last year.
dibandingkan periode yang sama tahun lalu.
• Penyaluran Kredit dan Kualitas Kredit • Loan Disbursement and Credit Quality
Pinjaman yang disalurkan Bank mencapai Rp9,14 triliun The Bank's disbursed loans reachedIDR9.14 trillion at the
pada akhir tahun 2025, yaitu 95,7% dari target Bank sebesar end of 2025, which represented 95.7% of the Bank's target
Rp9,55 miliar, yang mencerminkan peningkatan sebesar of IDR9.55 billion, reflecting a 22% increase compared to
22% dibanding tahun lalu sebesar Rp7,48 triliun didorong last year's IDR7.48 trillion. These changes were driven by
oleh pertumbuhan di segmen Retail dan Wholesale. Bank growth in the Retail and Wholesale segments. The Bank
terus menunjukkan disiplin dalam kualitas pinjamannya, continued to demonstrate discipline in its loan quality, as
sebagaimana tercermin dalam Kredit Macet Bruto dan Neto can be seen reflected in its Gross and Net Non-Performing
(NPL) masing-masing sebesar 1,6% dan 0,6%. Loans (NPL) staying at 1.6% and 0.6%, respectively.
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Bertumpu pada kapabilitas internal yang terus diperkuat serta On the basis of its continuously strengthened internal
prospek usaha yang menjanjikan, Bank memandang masa capabilities and promising business prospects, the Bank has
depan dengan keyakinan yang terukur untuk menciptakan arrived at a view of the future filled with measured confidence
kinerja yang konsisten dan berkelanjutan. Evaluasi atas for creating consistent and sustainable performance. Evaluating
keselarasan antara rencana dan realisasi kinerja menjadi its alignment between plans and actual performance serves as
referensi penting bagi Manajemen dalam merumuskan sasaran an important point of reference for Management in formulating
serta arah kebijakan strategis pada periode selanjutnya. targets and strategic policy directions for the coming period.
Gambaran tentang Prospek Usaha Business Prospects Overview
Direksi memandang bahwa prospek usaha nasional pada The Board of Directors believes that the national business
periode mendatang tetap menunjukkan arah pertumbuhan outlook for the coming period continues to show positive
yang positif, meskipun dinamika perekonomian global masih growth despite uncertainty surrounding global economic
diwarnai oleh ketidakpastian. Sebagaimana dikutip dari buku dynamics. As quoted from Bank Indonesia's 2025 Annual
Pertemuan Tahunan Bank Indonesia 2025 dengan tema Meeting report (themed "Resilient and Independent: Synergy
“Tangguh dan Mandiri: Sinergi Mendorong Pertumbuhan to Drive Higher and More Resilient Economic Growth), the
Ekonomi Lebih Tinggi dan Berdaya Tahan”, perekonomian Indonesian economy was projected to grow in the range of
Indonesia diproyeksikan tumbuh pada kisaran 4,7%–5,5%, 4.7% to 5.5%, primarily supported by solid domestic demand,
dengan dukungan utama berasal dari permintaan domestik particularly household consumption and investment. Inflation
yang solid, khususnya konsumsi rumah tangga dan investasi. was projected to remain within the target range of 2.5% ± 1%,
Inflasi yang diperkirakan tetap berada dalam sasaran 2,5% reflecting maintained price stability and the effective synergy of
± 1% mencerminkan stabilitas harga yang terjaga serta monetary, fiscal, and real sector policies.
efektivitas sinergi kebijakan moneter, fiskal, dan sektor riil.
Kondisi makroekonomi yang relatif stabil tersebut memberikan This relatively stable macroeconomic environment provided
fondasi yang kondusif bagi aktivitas dunia usaha dan sektor a conducive foundation for business and financial sector
keuangan. Investasi diproyeksikan terus meningkat sejalan activity. Investment was projected to continue increasing in
dengan berlanjutnya pembangunan infrastruktur, penguatan line with ongoing infrastructure development, strengthening
industri manufaktur bernilai tambah, serta percepatan the value-added manufacturing industry, and accelerating the
transformasi ekonomi digital. Dari sisi eksternal, ketahanan transformation of the digital economy. Externally, a resilient
neraca pembayaran dan kecukupan cadangan devisa balance of payments and adequate foreign exchange reserves
diharapkan tetap menjadi penyangga utama dalam menjaga were expected to remain key pillars in maintaining Rupiah
stabilitas nilai tukar Rupiah di tengah volatilitas pasar keuangan exchange rate stability despite global financial market volatility.
global.
Dalam konteks tersebut, Direksi menilai bahwa iklim usaha In this context, the Board of Directors is of the assessment that
industri perbankan nasional masih memiliki prospek yang positif, the national banking industry's business climate still has positive
meskipun dihadapkan pada tantangan berupa kebijakan suku prospects, despite facing challenges in the form of relatively
bunga global yang relatif ketat serta meningkatnya persaingan tight global interest rate policies and increasing competition in
di industri jasa keuangan. Pertumbuhan kredit perbankan secara the financial services industry. Banking loan growth across the
industri diperkirakan berada pada kisaran 8–12%, sejalan industry was estimated to be in the range of 8% to 12%, in line
dengan meningkatnya kebutuhan pembiayaan sektor produktif, with the increasing need for financing in the productive sector,
konsumsi domestik, serta pembiayaan UMKM. Sementara itu, domestic consumption, and MSME financing. Meanwhile, Third
pertumbuhan Dana Pihak Ketiga (DPK) diperkirakan tetap Party Fund (TPF) growth was expected to remain at a healthy
berada pada tingkat yang baik, mencerminkan kepercayaan level, reflecting maintained public confidence in the banking
masyarakat yang terjaga terhadap sistem perbankan. system.
Stabilitas sistem keuangan nasional diperkirakan tetap kuat, The stability of the national financial system is expected to
ditopang oleh tingkat permodalan yang memadai, likuiditas remain strong, supported by adequate capital levels, maintained
yang terjaga, serta kualitas aset yang relatif stabil. Rasio kredit liquidity, and relatively stable asset quality. The industry's non-
bermasalah (Non-Performing Loan/NPL) industri diproyeksikan performing loan (NPL) ratio was projected to remain within
tetap berada dalam batas yang sehat, seiring dengan penerapan healthy limits, in line with the implementation of prudential
prinsip kehati-hatian dan penguatan manajemen risiko yang principles and strengthened risk management practices by
dilakukan oleh perbankan. banks.
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Di sisi lain, Direksi menyadari adanya tantangan struktural On the other hand, the Board of Directors still recognized
yang perlu dikelola secara cermat, antara lain tekanan biaya the structural challenges that required careful management,
dana, kebutuhan investasi berkelanjutan pada infrastruktur including pressure on the cost of funds, the need for
teknologi informasi, serta persaingan yang semakin intens continuous investment in information technology infrastructure,
dengan lembaga keuangan non-bank dan pelaku digital. and increasingly intense competition from non-bank financial
Kondisi ini mendorong Bank untuk terus meningkatkan efisiensi institutions and digital players. These conditions have
operasional, memperkuat diferensiasi produk dan layanan, encouraged the Bank to continuously improve its operational
serta mengoptimalkan pemanfaatan teknologi dan data dalam efficiency, strengthen its product and service differentiation,
pengembangan bisnis dan pengelolaan risiko. and optimize its use of technology and data in business
development and risk management.
Ke depan, peluang pertumbuhan industri perbankan Going forward, growth opportunities in the banking industry
diperkirakan semakin terbuka seiring dengan meningkatnya are projected to expand further along with increasing financial
inklusi keuangan, percepatan digitalisasi sistem pembayaran, inclusion, accelerating digitalization of payment systems,
serta penguatan ekosistem keuangan digital. Direksi and strengthening of digital financial ecosystems. The Board
berkomitmen untuk memanfaatkan momentum pertumbuhan of Directors is committed to capitalizing on the momentum
ekonomi nasional melalui penyaluran pembiayaan yang selektif of national economic growth through selective and quality
dan berkualitas, dengan tetap menjaga keseimbangan antara financing distribution, all while maintaining a balance between
pertumbuhan usaha dan prinsip kehati-hatian. business growth and prudential principles.
Secara keseluruhan, Direksi menilai bahwa prospek usaha Overall, the Board of Directors is of the view that the Company's
Perseroan berada pada arah yang konstruktif, dengan business prospects are on a constructive path that will be
dukungan fondasi ekonomi nasional yang solid dan sistem supported by a solid national economic foundation and a stable
keuangan yang stabil. Dalam menghadapi lingkungan usaha financial system. In facing a competitive and dynamic business
yang kompetitif dan dinamis, kemampuan Bank dalam environment, the Bank's ability to adapt to change, manage
beradaptasi terhadap perubahan, mengelola risiko secara risks prudently, and deliver relevant product and service
prudent, serta menghadirkan inovasi produk dan layanan yang innovations will all be key to creating sustainable growth and
relevan akan menjadi kunci dalam menciptakan pertumbuhan long-term value for all stakeholders.
yang berkelanjutan dan nilai jangka panjang bagi seluruh
pemangku kepentingan.
Penerapan Tata Kelola Bank Bank Governance Implementation
Allo Bank meyakini bahwa keberlanjutan usaha dibangun Allo Bank is of the belief that business sustainability is built
melalui keseimbangan antara pencapaian kinerja finansial dan through a process that balances financial performance
keandalan pelaksanaan operasional sehari-hari. Keduanya achievements with reliable daily operations. Both can only
hanya dapat berjalan secara konsisten apabila didukung operate consistently if supported by a strong and disciplined
oleh kerangka tata kelola yang kuat dan disiplin. Oleh karena governance framework. As such, the Bank has placed the
itu, Bank menempatkan penerapan tata kelola perusahaan implementation of good corporate governance as a primary
yang baik sebagai fondasi utama dalam menjaga integritas foundation for maintaining business integrity, encouraging
bisnis, mendorong persaingan yang sehat, serta menciptakan healthy competition, and creating a stable and resilient business
lingkungan usaha yang stabil dan berdaya tahan. environment.
Dalam kerangka tersebut, praktik GCG tidak diposisikan sekadar Within this framework, GCG practices are positioned not merely
sebagai kewajiban kepatuhan, melainkan sebagai panduan as compliance obligations, but as a guide for behavior and
perilaku dan pengambilan keputusan di seluruh tingkatan decision-making at all levels of the organization. Governance
organisasi. Prinsip-prinsip tata kelola diterapkan secara principles are applied comprehensively and consistently,
menyeluruh dan konsisten, dimulai dari Dewan Komisaris dan starting from the Board of Commissioners and Board of
Direksi hingga seluruh karyawan, sebagai bagian integral dari Directors down to all employees, and serve as an integral part
budaya kerja dan tata kelola pengelolaan Bank. of the Bank's work culture and governance.
Secara implementatif, GCG berfungsi sebagai landasan In practice, GCG serves as the foundation for every process
dalam setiap proses dan mekanisme pengelolaan perusahaan and mechanism of company management to stay in adherence
dengan tetap mengacu pada ketentuan peraturan perundang- to applicable laws and regulations. The effective and integrated
undangan yang berlaku. Penerapan tata kelola yang efektif implementation of good corporate governance is also a key
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dan terintegrasi juga menjadi salah satu tolok ukur utama benchmark for stakeholders, particularly investors, in assessing
bagi para pemangku kepentingan, khususnya investor, dalam a company's resilience and long-term prospects. For the
menilai ketahanan dan prospek jangka panjang perusahaan. banking industry, particularly Allo Bank, GCG practices serve
Bagi industri perbankan, khususnya Allo Bank, praktik GCG as key prerequisites for creating sustainable added value,
merupakan prasyarat utama untuk menciptakan nilai tambah strengthening the Bank's ability to respond to industry dynamics,
yang berkelanjutan, memperkuat kemampuan Bank dalam and fostering a healthy and inclusive investment climate.
merespons dinamika industri, serta membangun iklim investasi
yang sehat dan inklusif.
Sejalan dengan komitmen tersebut, Allo Bank terus melakukan In line with this commitment, Allo Bank has continued to
penguatan penerapan GCG di seluruh lini kegiatan usaha. Upaya strengthen its GCG implementation across all business lines. Its
ini diwujudkan melalui evaluasi berkala dan penyempurnaan efforts towards this end can be seen realized through the Bank's
kebijakan tata kelola sebagai bagian dari proses perbaikan periodic evaluations and refinements of governance policies
berkelanjutan, guna memastikan bahwa prinsip-prinsip GCG as part of a continuous improvement process that ensures
senantiasa relevan, efektif, dan terinternalisasi secara konsisten GCG principles remain relevant, effective, and consistently
di seluruh lapisan organisasi Bank. internalized across all levels of the Bank's organization.
Penilaian terhadap Komite-Komite di bawah Assessment of Committees under the Board of
Direksi Directors
Dalam rangka memastikan efektivitas pengelolaan Bank, To ensure the effectiveness of the Bank's management, the
Direksi menata struktur pendukung yang berfungsi sebagai Board of Directors has established a supporting structure
perpanjangan tangan dalam proses pengambilan keputusan designed to serve as an extension of its decision-making
dan pengendalian operasional, sesuai dengan kerangka process and operational control, and has done so in accordance
regulasi yang berlaku. Keberadaan organ pendukung tersebut with the applicable regulatory framework. The existence of
dirancang untuk memperkuat tata kelola, meningkatkan kualitas these supporting bodies is designed to strengthen governance,
pengawasan internal, serta memastikan implementasi strategi improve the quality of internal oversight, and ensure that
berjalan secara disiplin dan terkoordinasi. strategy implementation is carried out in a disciplined and
coordinated manner.
Secara struktural, Direksi didukung oleh fungsi Sekretaris Structurally, the Board of Directors is supported by the
Perusahaan dan Program Management Office (PMO) serta Corporate Secretary, the Program Management Office (PMO),
Satuan Kerja Audit Internal (SKAI) yang berperan penting dalam and the Internal Audit Unit (SKAI), all of which play crucial roles
menjaga akuntabilitas, kepatuhan, dan kualitas pelaksanaan in maintaining accountability, compliance, and the quality of
program strategis. Di luar struktur formal tersebut, Direksi strategic program implementation. Beyond this formal structure,
juga membentuk berbagai komite fungsional sebagai forum the Board of Directors has also established various functional
pengambilan keputusan kolektif, antara lain Komite Kredit, committees as collective decision-making forums, including
Komite Kebijakan Perkreditan, Komite Aktiva dan Pasiva, Komite the Credit Committee, Credit Policy Committee, Assets and
Manajemen Risiko, Komite Pengarah Teknologi Informasi, dan Liabilities Committee, Risk Management Committee, Information
Komite Produk. Technology Steering Committee, Product Committee.
Sepanjang tahun 2025, Direksi menilai bahwa seluruh organ The Board of Directors is of the view that all of these supporting
pendukung tersebut telah menjalankan peran dan tanggung bodies have carried out their roles and responsibilities
jawabnya secara konsisten dan profesional, sejalan dengan consistently and professionally throughout 2025, and in
rencana kerja tahunan serta pedoman dan tata tertib kerja yang ways that were in line with the Bank's annual work plan and
ditetapkan. Kontribusi aktif dari masing-masing komite telah established work guidelines and procedures. The active
menjadi faktor pendukung penting dalam menjaga kualitas contribution of each committee has been a crucial supporting
pengelolaan Bank dan memastikan tercapainya tujuan usaha factor in maintaining the quality of the Bank's management
secara berkelanjutan. and ensuring sustainable achievement of the Bank's business
objectives.
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Perubahan Komposisi Anggota Direksi Changes in the Composition of the Board of
Directors
Allo Bank telah menyusun jumlah dan komposisi Direksi Allo Bank has structured its Board of Directors to ensure effective,
sedemikian rupa sehingga memungkinkan pengambilan accurate, and timely decision-making, while also allowing for
keputusan dapat dilakukan secara efektif, tepat dan cepat, serta independent action. As of 31 December, 2025, changes were
dapat bertindak independen. Per 31 Desember 2025, terdapat made to the Board of Directors' composition. The Company
perubahan susunan dan komposisi Direksi, dimana Perseroan accepted the resignation of Mr. Arief Tendeas as a Director.
menerima pengunduran diri Bapak Arief Tendeas sebagai This resignation was ratified at the Annual General Meeting of
Direksi Perseroan yang disahkan melalui RUPS Tahunan Shareholders on 10 April, 2025. Meanwhile, Mr. Indra Utoyo
tanggal 10 April 2025. Sementara itu, Bapak Indra Utoyo secara officially resigned as President Director of Allo Bank on 10 July,
resmi berhenti menjabat sebagai Direktur Utama Allo Bank per 2025, due to his resignation. This resignation was ratified at the
10 Juli 2025 dikarenakan mengundurkan diri, dan disahkan Extraordinary General Meeting of Shareholders on 9 October,
melalui RUPS Luar Biasa tanggal 9 Oktober 2025. Perseroan 2025. The Company also appointed Mr. Ari Yanuanto Asah as
juga menunjuk Bapak Ari Yanuanto Asah sebagai Plt. Direktur Acting President Director, effective 10 July, 2025.
Utama yang efektif menjabat per 10 Juli 2025.
Sesuai dengan Akta Berita Acara Rapat Umum Pemegang According to the Deed of Minutes of the Extraordinary General
Saham Luar Biasa No. 4 tanggal 9 Oktober 2025 oleh Dharma Meeting of Shareholders No. 4 dated 9 October, 2025, which
Akhyuzi S.H., Notaris di Jakarta, komposisi Direksi Bank per 31 were written up by Dharma Akhyuzi S.H., a Notary in Jakarta,
Desember 2025 adalah sebagai berikut: the composition of the Bank's Board of Directors as of 31
December, 2025, was as follows:
Nama Jabatan Dasar Pengangkatan Masa Jabatan Periode Jabatan
Name Position Basis of Appointment Term of Office Term of Office
Ari Yanuanto Direktur RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Asah Director Annual GMS of 31 May 31, 2024 2024 - Annual GMS of 2027 Second
Ganda Direktur RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 kedua
Raharja Rusli Director Annual GMS of 31 May 31, 2024 2024 - Annual GMS of 2027 Second
Sajal Direktur RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 kedua
Bhatnagar Director Annual GMS of 31 May 31, 2024 2024 - Annual GMS of 2027 Second
Struktur Organisasi Bank di 2025 Bank Organizational Structure in 2025
Menjawab percepatan perkembangan bisnis serta meningkatnya In response to accelerated business developments and
intensitas persaingan di industri perbankan digital, Allo Bank increasing competition in the digital banking industry, Allo
secara berkelanjutan melakukan penataan dan penguatan Bank has continuously worked to restructure and strengthen its
organisasi sebagai bagian dari upaya memastikan kesiapan organization as part of its efforts to ensure the Bank's readiness
Bank dalam mencapai sasaran strategis yang telah ditetapkan. to achieve its established strategic goals. Its latest organizational
Penyesuaian struktur organisasi terbaru telah ditetapkan structure adjustments were established and implemented
dan diberlakukan melalui Surat Keputusan Direksi No. 089/ through Board of Directors Decree No. 089/DIRAB/25 dated
DIRAB/25 tanggal 3 Oktober 2025 tentang Perubahan Struktur 3 October, 2025, concerning Changes to the Organizational
Organisasi. Adapun struktur organisasi Bank di tahun 2025 Structure. The Bank's organizational structure in 2025 can be
dapat dilihat di bab profil perusahaan pada laporan tahunan ini. found in the Company Profile section of this annual report.
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Aktivitas Utama Bank di 2025 The Bank's Primary Activities in 2025
Sepanjang tahun 2025, aktivitas utama Bank diarahkan pada Throughout 2025, the Bank's primary activities were directed
penguatan kualitas pengelolaan bisnis dan operasional melalui at strengthening its quality of business and operational
penerapan budaya kerja yang konsisten dan terintegrasi di management through its implementation of a consistent and
seluruh lini organisasi. Bank menempatkan Nilai Inti sebagai integrated work culture across all organizational lines. The Bank
landasan dalam setiap aktivitas usaha, mulai dari perumusan places Core Values as its foundation for all business activities,
kebijakan, pengambilan keputusan, hingga pelaksanaan from policy formulation and decision-making to customer
layanan kepada nasabah, guna memastikan seluruh kegiatan service delivery. This was done to ensure that all operational
operasional berjalan selaras dengan arah strategis perusahaan. activities were aligned with the Company's strategic direction.
Dalam menjalankan aktivitas bisnisnya, Bank secara aktif In carrying out its business activities, the Bank has actively
mengimplementasikan tujuh Nilai Inti yang terangkum dalam implemented seven Core Values summarized in the acronym
akronim “DIGITAL” sebagai pedoman utama perilaku Insan "DIGITAL". These values have served as the primary guidelines
Bank. Pendekatan berbasis data menjadi dasar dalam for the behavior of its employees. A data-driven approach
pengambilan keputusan, sementara fokus pada penciptaan underpins decision-making, while a focus on creating positive
dampak positif, pertumbuhan berkelanjutan, kolaborasi yang impact, sustainable growth, harmonious collaboration,
harmonis, transparansi, serta ketangkasan dalam merespons transparency, and agility in responding to change were key
perubahan menjadi karakter utama dalam pelaksanaan characteristics of the Bank's business operations throughout
kegiatan usaha sepanjang tahun. the year.
Selain itu, Bank juga memprioritaskan penguatan kapabilitas Furthermore, the Bank has prioritized strengthening human
sumber daya manusia melalui budaya belajar yang resource capabilities through a culture of continuous learning
berkesinambungan sebagai bagian dari aktivitas utama di tahun as part of its core activities for 2025. Through consistent
2025. Melalui internalisasi Nilai Inti secara konsisten, Bank internalization of its Core Values, the Bank has worked to
berupaya meningkatkan efektivitas operasional, memperkuat improve operational effectiveness, strengthen competitiveness,
daya saing, serta mendukung penciptaan nilai jangka panjang and support the creation of sustainable long-term value for
yang berkelanjutan bagi seluruh pemangku kepentingan di all stakeholders in the midst of the banking industry's ever-
tengah dinamika industri perbankan yang terus berkembang. evolving dynamics.
Fungsi Penunjang Teknologi Informasi Information Technology Support Function
Bank memandang pemanfaatan Teknologi Informasi The Bank is of the view that Information Technology serves
sebagai fondasi strategis dalam mendorong efektivitas as a strategic foundation for driving the effectiveness and
dan kesinambungan proses bisnis di tengah percepatan sustainability of business processes in the midst of accelerated
perubahan lingkungan usaha. Oleh karena itu, Bank secara changes in the business environment. Accordingly, the Bank
berkelanjutan melakukan penguatan kapabilitas teknologi has continuously strengthened its technological capabilities by
dengan mengadopsi perkembangan TI yang relevan guna adopting relevant IT developments to improve its productivity
meningkatkan produktivitas dan kualitas pelaksanaan and the quality of its overall operational implementation.
operasional secara menyeluruh.
Dalam mendukung arah tersebut, Bank menetapkan kerangka To support this direction, the Bank has established an integrated
kebijakan, prosedur, dan standar TI yang terintegrasi sebagai IT framework of policies, procedures, and standards as a
acuan pengembangan dan pemanfaatan teknologi. Setiap reference for technology development and utilization. Every
inisiatif pengembangan, khususnya pada aplikasi dan layanan one of the Bank's development initiative, particularly for digital
digital, dilaksanakan dengan memperhatikan prinsip kepatuhan applications and services, has been implemented with due
terhadap ketentuan regulator, termasuk Otoritas Jasa Keuangan regard for compliance with regulatory requirements, including
dan Bank Indonesia, serta melalui proses evaluasi internal the Financial Services Authority and Bank Indonesia, and
yang berkesinambungan untuk mengantisipasi dan mengelola through a continuous internal evaluation process to anticipate
potensi risiko teknologi. and manage potential technological risks.
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Seiring semakin luasnya adopsi teknologi di masyarakat, peran TI As technology adoption has expanded across the community,
menjadi semakin krusial dalam mendukung pencapaian target the role of IT has become increasingly crucial in supporting
bisnis Bank. Keandalan sistem, kecepatan proses, serta integrasi the achievement of the Bank's business targets. System
layanan yang dihasilkan dari pemanfaatan TI diharapkan reliability, process speed, and service integration resulting
mampu memperkuat daya saing Bank dan menjadikan from IT utilization have all been designed to strengthen the
teknologi sebagai enabler utama dalam menjalankan aktivitas Bank's competitiveness and make technology a key enabler for
usaha secara efektif dan berkelanjutan. conducting business activities effectively and sustainably.
Produk dan Jasa yang Ditawarkan Products and Services Offered
Di tahun 2025, Bank senantiasa mengembangkan layanan In 2025, the Bank continued to develop digital banking services
perbankan digital untuk tabungan dan fitur-fitur pembayaran, for savings and payment features that included the following:
meliputi:
1. Produk uang elektronik dengan branding Allo Pay dan Allo 1. Electronic money products with the Allo Pay and Allo Pay+
Pay+. branding.
2. Produk tabungan termasuk Allo Prime dan Allo Grow. 2. Savings products, including Allo Prime and Allo Grow.
3. Deposito. 3. Deposits.
4. Kredit digital dengan branding PayLater dan Instant Cash. 4. Digital credit with the PayLater and Instant Cash branding.
5. Layanan Transfer Dana, tarik tunai tanpa kartu, top up 5. Fund transfer services, cardless cash withdrawals, electronic
uang elektronik, pembayaran QRIS, layanan pembayaran money top-ups, QRIS payments, biller payment services,
biller dan program loyalty berupa Membership, Point, dan and loyalty programs in the form of Membership, Points,
Coupon (MPC). and Coupons (MPC).
6. Virtual Debit Card. 6. Virtual Debit Cards.
7. Virtual Account. 7. Virtual Accounts.
8. Rekening Dana Nasabah (RDN). 8. Customer Fund Accounts.
Tingkat Suku Bunga Penghimpunan dan Interest Rates for Funding and Provision
Penyediaan Dana
Sebagai bagian dari komitmen terhadap transparansi dan As part of its commitment to transparency and regulatory
kepatuhan regulasi, Bank secara terbuka menyampaikan compliance, the Bank has openly disclosed information on its
informasi mengenai Suku Bunga Dasar Kredit (SBDK) sebagai Prime Lending Rate (SBDK) as the initial reference in setting
referensi awal dalam penetapan suku bunga kredit kepada lending rates for customers. The publication of this SBDK
nasabah. Publikasi SBDK tersebut mencerminkan upaya Bank serves as a reflection of the Bank's efforts to provide a clear
dalam memberikan gambaran yang jelas dan terukur mengenai and measurable picture of applicable credit pricing structures.
struktur penetapan harga kredit yang berlaku.
Dalam proses penetapannya, Bank melakukan kajian In determining this rate, the Bank has conducted a comprehensive
komprehensif dengan mempertimbangkan berbagai variabel study that has taken various key variables into consideration,
utama, antara lain kebijakan suku bunga acuan Bank Indonesia, including Bank Indonesia's benchmark interest rate policy, its
struktur biaya dana yang digunakan untuk pembiayaan cost of funds used for credit financing, its operational efficiency
kredit, efisiensi operasional dalam penghimpunan dana dan in fundraising and financing disbursement, its operating margin
penyaluran pembiayaan, target margin usaha, serta dinamika targets, and its dynamics of competition in the banking industry.
tingkat persaingan di industri perbankan. Pendekatan ini This approach ensures that the SBDK has been set rationally
memastikan bahwa SBDK ditetapkan secara rasional dan and in a way that is in line with market conditions.
selaras dengan kondisi pasar.
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Namun demikian, SBDK bersifat sebagai indikator dasar However, this SBDK only serves as a baseline indicator. It
dan belum mencakup unsur premi risiko yang ditentukan does not include risk premiums, which are determined based
berdasarkan profil dan tingkat risiko masing-masing debitur. on the profile and risk level of each borrower. As such, the
Oleh karena itu, tingkat suku bunga kredit yang dikenakan lending interest rate charged to customers may differ from the
kepada nasabah dapat berbeda dari SBDK, menyesuaikan SBDK depending on the results of risk assessments and the
dengan hasil penilaian risiko dan karakteristik pembiayaan yang characteristics of the financing provided.
diberikan.
Tingkat suku bunga penghimpunan dan penyediaan dana untuk The interest rates for fundraising and provisions for Rupiah in
mata uang Rupiah pada tahun 2025 adalah sebagai berikut: 2025 can be seen detailed below:
Suku Bunga Dasar Kredit
Prime Lending Rate
Periode Data: Berdasarkan Jenis Kredit
Desember 2025 By Type of Loans
Period: Kredit Non UMKM Kredit UMKM
December 2025 Non MSME Credit MSME Credit Non KPR/
KPR/KPA
Korporasi Ritel Menengah Kecil Mikro Non KPA
Corporate Retail Medium Small Micro
Harga Pokok Dana untuk Kredit (HPDK) (%) 5,45% N.A. N.A. N.A. N.A. N.A. 5,79%
Cost of Funds for Loans (HBDK) (%)
Biaya Overhead (%) 1,78% N.A. N.A. N.A. N.A. N.A. 18,39%
Overhead Costs (%)
Margin Keuntungan (%) 1,00% N.A. N.A. N.A. N.A. N.A. 3,45%
Profit Margin (%)
Suku Bunga Dasar Kredit (SBDK) (%) 8.23% N.A. N.A. N.A. N.A. N.A. 27,63%
(HBDK + Overhead + Margin)
Prime Lending Rate (SBDK) (%)
(HBDK + Overhead + Margin)
Jaringan Operasional Bank The Bank's Operations Network
Kantor Pusat Bank berkedudukan di Jakarta, selain itu dalam The Bank's head office is located in Jakarta. To provide services
memberikan pelayanan kepada para nasabah Bank memiliki to its customers, the Bank has one head office and two branch
1 kantor pusat dan 2 kantor cabang. Sepanjang 2025, Bank offices. Throughout 2025, the Bank did not expand its network
tidak melakukan ekspansi terhadap jaringan kerja, maupun or open any new offices.
pembukaan jaringan kantor yang baru.
Kepemilikan Direksi, Dewan Komisaris, dan Ownership of the Board of Directors, Board of
Pemegang Saham dalam Kelompok Usaha Bank Commissioners, and Shareholders within the
Bank's Business Group
Dalam rangka memperkuat prinsip keterbukaan dan kepatuhan To strengthen its principle of transparency and its compliance
terhadap ketentuan perundang-undangan, Bank telah with laws and regulations, the Bank has established Guidelines
menetapkan Pedoman dan Tata Tertib Kerja Direksi serta Dewan and Work Procedures for the Board of Directors and Board
Komisaris yang secara jelas mengatur ketentuan kepemilikan of Commissioners. These guidelines clearly regulate share
saham di lingkungan kelompok usaha Bank. Pengaturan ownership within the Bank's business group. These regulations
tersebut disusun selaras dengan ketentuan POJK No. 17 Tahun have been formulated in accordance with the provisions of
2023, termasuk pembatasan dan larangan yang berlaku bagi Financial Services Authority Regulation (POJK) No. 17 of 2023.
Anggota Direksi. It includes restrictions and prohibitions applicable to members
of the Board of Directors.
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Sebagai bagian dari mekanisme pengendalian dan pelaporan, As part of its control and reporting mechanisms, the Bank
Bank mewajibkan setiap Anggota Direksi dan Dewan Komisaris requires each member of the Board of Directors and Board
untuk menyampaikan pemberitahuan kepada Sekretaris of Commissioners to notify the Corporate Secretary if they
Perusahaan apabila memiliki saham Bank. Kewajiban ini own shares in the Bank. This obligation is intended to ensure
dimaksudkan agar Bank dapat memenuhi ketentuan pelaporan the Bank meets the reporting requirements to the Financial
kepada Otoritas Jasa Keuangan secara tepat waktu, yakni Services Authority (OJK) in a timely manner. Reports have to
paling lambat 3 (tiga) hari kerja sejak terjadinya kepemilikan be made no later than 3 (three) business days after the share
saham tersebut. ownership occurs.
Adapun kepemilikan saham oleh Anggota Dewan Komisaris The share ownership of the current Board of Commissioners
dan Direksi yang ada saat ini telah diungkapkan secara terbuka and Board of Directors members has been disclosed openly
dan rinci dalam Bab Profil Perusahaan pada laporan tahunan and in detail in the Company Profile chapter of this annual
ini, sebagai wujud komitmen Bank terhadap praktik tata kelola report, demonstrating the Bank's commitment to transparent
yang transparan dan akuntabel. and accountable governance practices.
Perubahan-Perubahan Penting yang Terjadi Important Changes Occurring in the Bank and the
pada Bank dan Kelompok Usaha Bank di Tahun Bank's Business Group in the Current Year
Berjalan
Sepanjang tahun 2025, tidak terdapat perubahan penting yang Throughout 2025, there were no material changes made to the
terjadi pada Bank dan kelompok usaha Bank yang bersifat Bank or the Bank's business group that significantly impacted
material yang memberikan dampak secara signifikan baik either its financial or operational performance.
secara kinerja keuangan maupun operasional.
Hal-Hal Penting yang Diperkirakan Terjadi pada Important Future Events
Masa Mendatang
Arah perkembangan usaha Bank pada periode mendatang The direction of the Bank's business development in the coming
sangat dipengaruhi oleh dinamika perekonomian yang period will be heavily influenced by the economic dynamics that
terbentuk sepanjang tahun berjalan. Hingga saat ini, Bank have developed throughout the year. To date, the Bank has not
belum mengidentifikasi adanya faktor material yang secara identified any material factors that it foresees will significantly
signifikan diperkirakan dapat mempengaruhi kinerja usaha di impact future business performance.
masa mendatang.
Dengan terjaganya kondisi ekonomi yang relatif stabil dan Thanks to relatively stable economic conditions and conducive
iklim usaha yang kondusif pada awal periode mendatang, business climate at the beginning of the coming period, the
diharapkan sentimen positif dari pelaku usaha dan investor Bank estimates that positive sentiment from business players
dapat terus berlanjut. Kondisi tersebut berpotensi mendukung and investors will continue. These conditions have the potential
keberlanjutan pertumbuhan industri perbankan serta to support the sustainable growth of the banking industry and
memperkuat kepercayaan terhadap sektor keuangan secara strengthen confidence in the financial sector as a whole.
keseluruhan.
Pengembangan Sumber Daya Manusia Bank Bank Human Resource Development
Hingga akhir tahun 2025, Bank didukung oleh sebanyak As of the end of 2025, the Bank had 538 employees serving
538 karyawan yang menjadi penggerak utama operasional as key drivers of its operations and business development. In
dan pengembangan usaha. Dalam menghadapi perubahan the face of an increasingly rapid and competitive business
lingkungan bisnis yang semakin cepat dan kompetitif, Bank environment, the Bank has continuously develops the quality of
secara berkesinambungan membangun kualitas sumber daya its human resources through its implementation of structured
manusia melalui pelaksanaan program pembelajaran dan learning and development programs. These initiatives have
pengembangan yang terstruktur. Inisiatif ini diarahkan untuk been aimed at strengthening the organization's competitiveness
memperkuat daya saing organisasi sekaligus mendorong while simultaneously driving improvements in overall work
peningkatan efektivitas, efisiensi, dan produktivitas kerja secara effectiveness, efficiency and productivity.
menyeluruh.
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Fokus pengembangan kompetensi karyawan mencakup The Bank's focus on employee competency development
penguatan keterampilan teknis maupun non-teknis yang included efforts at strengthening both technical and non-
diselaraskan dengan arah strategi bisnis Bank. Pendekatan technical skills aligned with its business strategy. This approach
tersebut bertujuan memastikan setiap insan Bank memiliki was designed to ensure that every Bank employee was
kesiapan yang memadai dalam merespons dinamika adequately prepared to respond to the ever-evolving dynamics
industri perbankan yang terus berkembang. Hingga akhir of the banking industry. By the end of December 2025, the
Desember 2025, Bank telah merealisasikan berbagai program Bank has implemented various education and training programs
pendidikan dan pelatihan bagi 476 karyawan, dengan total for 476 employees, with a total human resource development
investasi pengembangan sumber daya manusia sebesar investment of IDR5,269,471,513 billion, demonstrating its
Rp5.269.471.513 miliar sebagai wujud komitmen berkelanjutan ongoing commitment to building organizational capabilities.
dalam membangun kapabilitas organisasi.
Apresiasi Appreciation
Menutup kinerja tahun 2025, Direksi Allo Bank menyampaikan As 2025 has come to an end, the Board of Directors of Allo
penghargaan yang tulus kepada Dewan Komisaris, para Bank would like to express its sincere appreciation to the
pemegang saham, seluruh pemangku kepentingan, serta jajaran Board of Commissioners, shareholders, all stakeholders,
manajemen dan karyawan atas sinergi dan kontribusi yang management, and employees for the synergy and contributions
telah terbangun secara solid. Capaian yang diraih merupakan they have built together. These achievements represent the
hasil dari kolaborasi yang berkesinambungan dan komitmen result of continuous collaboration and a shared commitment
bersama dalam mengarahkan Bank pada pertumbuhan yang to guiding the Bank towards healthy and measurable growth.
sehat dan terukur.
Ke depan, Allo Bank diharapkan terus melangkah secara Going forward, Allo Bank is expected to continue consistently
konsisten dalam mewujudkan visi Perseroan dan menciptakan pursuing its vision and creating long-term value for all
nilai jangka panjang bagi seluruh pemangku kepentingan, stakeholders that is in line with the principles of business
sejalan dengan prinsip keberlanjutan usaha. Direksi juga sustainability. The Board of Directors would also like to
menyampaikan apresiasi kepada regulator, khususnya Otoritas express its appreciation to regulators, particularly the Financial
Jasa Keuangan (OJK), atas dukungan, bimbingan, serta Services Authority (OJK), for their support, guidance, and
pengawasan yang diberikan, termasuk dalam aspek perizinan supervision, including in licensing aspects. They have served as
yang menjadi fondasi penting bagi penguatan tata kelola Bank. crucial foundations for strengthening the Bank's governance.
Secara khusus, Direksi memberikan penghargaan setinggi- Specifically, the Board of Directors would like to extends
tingginya kepada seluruh Insan Allo Bank atas dedikasi, its highest appreciation to all Allo Bank employees for their
profesionalisme, dan kerja keras yang telah ditunjukkan dedication, professionalism, and hard work throughout the year.
sepanjang tahun.
Jakarta, 31 Maret | March 2026
Ari Yanuanto Asah
Plt. Direktur Utama
Acting President Director
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Dewan Komisaris | Board of Commissioners
Rosmaya Aviliani Ali Gunawan
Komisaris Independen Komisaris Utama Independen Komisaris
Independent Commissioner Independent President Commissioner Commissioner
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Direksi | Board of Directors
Ganda Raharja Rusli Ari Yanuanto Asah Sajal Bhatnagar
Direktur Risiko, Kepatuhan & Hukum Plt. Direktur Utama Direktur Digital
Risk, Compliance & Legal Director Acting President Director Digital Director
Direktur Keuangan, Operasional & Human Capital
Finance, Operations & Human Capital Director
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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Surat Pernyataan Anggota Dewan
Komisaris dan Direksi tentang Tanggung
Jawab atas Laporan Tahunan 2025 PT
Allo Bank Indonesia Tbk
● Responsibility Statement of the Board of Commissioners
and Board of Directors for 2025 Annual Report of
PT Allo Bank Indonesia Tbk
Kami yang bertanda tangan di bawah ini menyatakan bahwa We, the signatories, hereby stated that all information contained
semua informasi dalam Laporan PT Allo Bank Indonesia Tbk in the 2025 Annual Report of PT Allo Bank Indonesia Tbk
tahun 2025 telah dimuat secara lengkap dan bertanggung has been comprehensively presented and that we are fully
jawab penuh atas kebenaran isi Laporan Tahunan Perseroan. accountable for the accuracy of the contents of the Company’s
Annual Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.
Jakarta, 31 Maret 2026 Jakarta, March 31, 2026
Dewan Komisaris | Board of Commissioners
Aviliani
Komisaris Utama Independen
Independent President Commissioner
Rosmaya Ali Gunawan
Komisaris Independen Komisaris
Independent Commissioner Commissioner
Direksi | Board of Directors
Ari Yanuanto Asah
Plt. Direktur Utama
Acting President Director
Ganda Raharja Rusli Direktur Keuangan, Operasional &
Sajal Bhatnagar
Direktur Risiko, Kepatuhan & Hukum Direktur Digital
Human Capital
Risk, Compliance & Legal Director Digital Director
Finance, Operations &
Human Capital Director
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Profil
03
Perusahaan
Company
Profile
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Informasi Umum dan
Identitas Perusahaan
● General Information and Company Identity
Nama Perusahaan PT Allo Bank Indonesia Tbk
Company Name
Nama Panggilan
Allo Bank
Company Nickname
Bidang Usaha Menjalankan kegiatan usaha di bidang perbankan sesuai dengan Anggaran
Line of Business Dasar No. 242 tanggal 21 Oktober 1992
Conducting business activities in banking with reference to Article of
Association No. 242 dated October 21, 1992
Perubahan Nama 1992 - PT Bank Arta Griya
Name Changes 1993 - PT Bank Harda Griya
1996 - PT Bank Harda Internasional
2015 - PT Bank Harda Internasional Tbk
2021 - PT Allo Bank Indonesia Tbk
Status Perusahaan Perusahaan Terbatas/Perusahaan Publik
Company Status Limited Company/Public Company
Tanggal Pendirian 10 Februari 1993
Date of Establishment February 10, 1993
Dasar Hukum Pendirian Akta No. 242 tanggal 21 Oktober 1992 notaris Ny. Poerbaningsih Adi
Legal Basis of Establishment Warsito. Akta Notaris No. 181 tanggal 16 Januari 1993 masih dengan notaris
yang sama dengan surat izin operasi sebagai bank umum pada tanggal 8
September 1994 dengan nama Bank Harda Griya sesuai surat Keputusan
Menteri Keuangan Republik Indonesia No. 455/KMK.017/1994.
Deed No. 242 dated October 21, 1992 by notary Mrs. Poerbaningsih Adi
Warsito. Notarial Deed No. 181 dated January 16, 1993, done with the same
notary, as a permit to operate as a conventional bank on September 8, 1994
under the name Bank Harda Griya in accordance with the Decree of the
Minister of Finance of the Republic of Indonesia No. 455/KMK.017/1994.
Jumlah Pegawai 538 orang (2025)
Number of Employees 538 people (2025)
Jumlah Aset 2025 Rp18.470.073.477.682
Total Assets as of 2025
Modal Dasar Rp4.000.000.000.000
Authorized Capital
Modal Ditempatkan Rp2.173.025.644.200
Issued Capital
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Pencatatan Saham Bursa Efek Indonesia (BEI) tanggal 12 Agustus 2015
Share Listing Date Indonesia Stock Exchange on August 12, 2015
Kode Saham BBHI
Stock Code
Entitas Anak -
Subsidiaries
Pasar yang Dilayani Domestik (Indonesia)
Market(s) Served Domestic (Indonesia)
Kepemilikan Saham Kepemilikan Saham Perusahaan per 31 Desember 2025:
Share Ownership Company Share Ownership as of December 31, 2025:
PT Mega Corpora: 60,9% | 13.228.508.531 lembar saham | shares
PT Bukalapak.com Tbk: 11,5% | 2.497.816.903 lembar saham | shares
Abadi Investments Pte. Ltd.: 7% | 1.521.117.930 lembar saham | shares
PT Indolife Investama Perkasa: 6% | 1.303.815.386 lembar saham | shares
Treasury Stock: 0,4% | 90.390.800 lembar saham | shares
Masyarakat/Public: 14,2% | 3.080.302.208 lembar saham | shares
Data Jaringan Kantor 2025 1 Kantor Pusat/Head Office
Office Network in 2025 2 Kantor Cabang/Branch Offices
Alamat Kantor Pusat Menara Bank Mega Lt. 5 & 6
Head Office Address Jl. Kapten P. Tendean No. 12-14A, Jakarta 12790
Telp: 62-21 5098 1399 (Hunting)
Situs Web www.allobank.com
Website
Call Center 080 4110 4110
Whistleblowing Channel Website: https://www.allobank.com/about-us/corporate-governance
Email: whistleblow@allobank.com
Akun Media Sosial AlloBankID @allobankid
Social Media Accounts @allobank @AlloBankID
Allo-bank Allo Bank Indonesia
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Riwayat Singkat
Perusahaan
● Brief History of the Company
Sekilas tentang Di tahun 1993, PT Bank Arta Griya In 1993, PT Bank Arta Griya changed
mengalami perubahan nama menjadi its name to PT Bank Harda Griya based
Perusahaan
PT Bank Harda Griya berdasarkan on Deed of Amendment No. 181 dated
Company at Akta Perubahan No. 181 Tanggal 16 January 16, 1993, drawn up before
a Glance Januari 1993 yang dibuat di hadapan Poerbaningsih Adi Warsito, S.H., a Notary
Poerbaningsih Adi Warsito S.H., in Jakarta. This deed was approved by
PT Allo Bank Indonesia Tbk Notaris di Jakarta. Akta tersebut the Minister of Justice of the Republic
(selanjutnya disebut Allo Bank telah memperoleh pengesahan dari of Indonesia under Decree No. C2-895.
atau Bank) didirikan pada tahun Menteri Kehakiman Republik Indonesia HT.01.01. TH.93 dated February 10, 1993,
1992 dengan nama PT Bank Arta berdasarkan Surat Keputusan No. and registered with the Registrar's Office
Griya berdasarkan Akta Pendirian C2-895. HT.01.01. TH.93 tanggal 10 of the South Jakarta District Court under
No. 242 tanggal 21 Oktober Februari 1993, dan telah didaftarkan Decree No. The name of the Bank was
1992 yang dibuat di hadapan pada Kepaniteraan Pengadilan Negeri changed to PT Bank Harda Internasional
Poerbaningsih Adi Warsito, S.H., Jakarta Selatan No. 127/A/PT/HKM/1993/ based on Deed No. 127/A/PT/HKM/1993/
Notaris di Jakarta. PN.JAK.SEL tanggal 12 Februari 1993, PN.JAK.SEL dated February 12, 1993,
serta telah diumumkan dalam Berita and was announced in the State Gazette
PT Allo Bank Indonesia Tbk Negara Republik Indonesia No. 25 of the Republic of Indonesia No. 25
(hereinafter referred to as Allo Tanggal 27 Maret 1993, Tambahan Berita dated March 27, 1993, Supplement
Bank or the Bank) was established Negara Republik Indonesia No. 1316. to the State Gazette of the Republic
in 1992 under the name PT Bank Selanjutnya di tahun 1996, Bank kembali of Indonesia No. 1316. Subsequently,
Arta Griya based on Deed of mengalami perubahan nama dari PT in 1996, the Bank underwent another
Establishment No. 242 dated Bank Harda Griya menjadi menjadi PT name change from PT Bank Harda Griya
October 21, 1992, drawn up Bank Harda Internasional berdasarkan to PT Bank Harda Internasional based on
before Poerbaningsih Adi Warsito, Akta No. 23 tanggal 10 Desember 1996 Deed No. 23 dated December 10, 1996,
S.H., a Notary in Jakarta. yang dibuat di hadapan Triphosa Lily drawn up before Triphosa Lily Ekadewi,
Ekadewi, S.H., Notaris di Ciputat dan S.H., Notary in Ciputat, and approved by
telah mendapatkan persetujuan dari the Minister of Justice of the Republic of
Menteri Kehakiman Republik Indonesia Indonesia under Decree No. C2-1473.
berdasarkan Keputusan No. C2-1473. HT.01.04.TH.97 dated September 25,
HT.01.04.TH.97 tanggal 25 September 1997.
1997.
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Setelah lebih dari 2 (dua) dekade, Bank selanjutnya mengambil Two decades after its inception, the Bank took the strategic
langkah strategis dengan melakukan Penawaran Saham step of conducting an Initial Public Offering on the Indonesia
Perdana di Bursa Efek Indonesia pada tahun 2015 sehingga Stock Exchange in 2015, thus changing its status to a public
menjadikan Bank berubah statusnya menjadi perusahaan company under the name PT Bank Harda Internasional
terbuka dengan nama PT Bank Harda Internasional Tbk. Tbk. This change was stated in the Deed of Minutes of
Perubahan ini dinyatakan dalam Akta Berita Acara Rapat the Extraordinary General Meeting of Shareholders No. 31
Umum Pemegang Saham Luar Biasa No. 31 tanggal 18 Maret dated March 18, 2015, drawn up before Edward Suharjo
2015 yang dibuat di hadapan Edward Suharjo Wiryomartani., Wiryomartani, S.H., M.Kn., a Notary in West Jakarta. The
S.H., M.Kn., Notaris di Jakarta Barat dan telah memperoleh Minister of Law and Human Rights received Notification of
Penerimaan Pemberitahuan Perubahan Anggaran Dasar Amendments to the Articles of Association through Letter
dari Menkumham melalui Surat No. AHU AH.01.03-0017606 No. AHU AH.01.03-0017606 dated March 19, 2015. By listing
tanggal 19 Maret 2015. Pencatatan saham di BEI ini bertujuan its shares on the IDX, the Company aspires to reinforce the
untuk memperkuat struktur keuangan dan meningkatkan financial structure and enhance business competitiveness in
daya saing usaha di dunia perbankan. the banking sector.
Pada tahun 2021, PT Bank Harda Internasional Tbk resmi In 2021, PT Bank Harda Internasional Tbk was officially
diakuisisi oleh PT Mega Corpora. Setelah mendapat acquired by PT Mega Corpora. After obtaining approval
persetujuan dari Otoritas Jasa Keuangan, pada Juni 2021, PT from the Financial Services Authority, in June 2021, PT Bank
Bank Harda Internasional Tbk resmi berganti nama menjadi Harda Internasional Tbk officially changed its name to PT
PT Allo Bank Indonesia Tbk. Perubahan nama tersebut Allo Bank Indonesia Tbk. The name change was stated in
dinyatakan dalam Akta Perubahan Anggaran Dasar No. 1 the Deed of Amendment to the Articles of Association No.
tanggal 2 Juni 2021 yang dibuat di hadapan Dharma Akhyuzi, 1 dated June 2, 2021, drawn up before Dharma Akhyuzi,
S.H., Notaris di Jakarta, dan akta tersebut telah memperoleh S.H., a Notary in Jakarta. The deed was approved by the
persetujuan dari Menkumham No. AHU-0031692.AH.01.02 Minister of Law and Human Rights No. The name change to
tahun 2021 tanggal 2 Juni 2021. Perubahan nama menjadi PT Allo Bank Indonesia Tbk was approved by the Financial
PT Allo Bank Indonesia Tbk telah mendapat persetujuan Services Authority (OJK) based on Decree No. KEP-48/PB-
dari Otoritas Jasa Keuangan berdasarkan Keputusan Deputi 1/2021 of the Deputy Commissioner for Banking Supervision
Dewan Komisioner Pengawas Perbankan I Otoritas Jasa I of the Financial Services Authority dated June 30, 2021,
Keuangan No. KEP-48/PB-1/2021 tanggal 30 Juni 2021 concerning the Determination of the Use of a Business
tentang Penetapan Penggunaan Izin Usaha Atas Nama PT License in the Name of PT Bank Harda Internasional Tbk to
Bank Harda Internasional Tbk Menjadi Izin Usaha Atas Nama Become a Business License in the Name of PT Allo Bank
PT Allo Bank Indonesia Tbk. Indonesia Tbk.
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Sejak grand launching pada 20 Mei 2022, PT Allo Bank Since its grand launch on May 20, 2022, PT Allo Bank
Indonesia Tbk telah berkembang menjadi bank umum berbasis Indonesia Tbk has developed into a leading digital service-
layanan digital terkemuka dengan melayani 14 juta nasabah based commercial bank, serving 14 million customers by the
per akhir tahun 2025. Untuk produk dan layanan, Allo Bank end of 2025. Allo Bank offers a variety of innovative digital
menawarkan berbagai produk dan layanan perbankan digital banking products and services, including Allo Pay, Allo Pay+,
yang inovatif termasuk Allo Pay, Allo Pay+, Allo Prime, Allo Allo Prime, Allo Grow, Virtual Debit Card, PayLater, and Instant
Grow, Virtual Debit Card, PayLater dan Instant Cash. Nama Cash. The name "Allo" stands for All in One, embodying the
“Allo” merupakan singkatan dari All in One, yang mewujudkan Bank's aspiration for its customers to Experience a Simple Life.
aspirasi Bank bagi nasabahnya untuk Experience a Simple Life. Furthermore, Allo Bank is a subsidiary of CT Corpora, a leading
Selain itu, Allo Bank adalah anak perusahaan dari CT Corpora, integrated consumer-focused business group in Indonesia with
sebuah grup bisnis terintegrasi terkemuka yang berfokus pada diverse businesses in financial services, media, retail, lifestyle,
konsumen di Indonesia dengan beragam usaha di layanan and entertainment.
keuangan, media, ritel, gaya hidup, dan hiburan.
Anggaran Dasar Bank juga telah mengalami beberapa kali The Bank's Articles of Association have also undergone several
perubahan. Di tahun 2022, Anggaran Dasar Bank mengalami amendments. In 2022, the Bank's Articles of Association were
perubahan yang ditetapkan berdasarkan Akta Perubahan amended based on Deed of Amendment to the Articles of
Anggaran Dasar No. 05 tanggal 15 Oktober 2021 yang dibuat di Association No. 05 dated October 15, 2021, drawn up before
hadapan Dharma Akhyuzi, S.H., Notaris di Jakarta. Selanjutnya, Dharma Akhyuzi, S.H., a Notary in Jakarta. Subsequently, the
Bank kembali melakukan perubahan Anggaran Dasar pada Bank amended its Articles of Association in 2023, which was
tahun 2023 yang telah disahkan melalui Akta No. 01 tanggal ratified through Deed No. 01 dated June 14, 2023, drawn
14 Juni 2023 yang dibuat di hadapan Dharma Akhyuzi, S.H., up before Dharma Akhyuzi, S.H., a Notary in Jakarta. The
Notaris di Jakarta yang telah memperoleh persetujuan dari amendments were approved by the Minister of Law and Human
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia Rights of the Republic of Indonesia through Decree No. AHU-
dengan Surat Keputusan No. AHU- 0039698.AH.01.02.Tahun 0039698.AH.01.02.Tahun 2023 dated July 12, 2023, and
2023 tanggal 12 Juli 2023 dan telah didaftarkan dalam Daftar registered in the Company Register No. AHU-0131254. AH.01.11
Perseroan No. AHU-0131254. AH.01.11 tanggal 12 Juli 2023. dated July 12, 2023. The changes are adjusted to the provisions
Perubahan tersebut disesuaikan dengan ketentuan peraturan of applicable laws and regulations in the Banking and Capital
perundang-undangan di sektor Perbankan dan Pasar Modal Market sectors, namely Law of the Republic of Indonesia No. 4
yang berlaku, yaitu Undang-Undang Republik Indonesia No. of 2023 concerning the Development and Strengthening of the
4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Financial Sector for the adjustment of Bank business activities
Keuangan untuk penyesuaian kegiatan usaha Bank serta and Financial Services Authority Regulation No. 17 of 2023
Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 tentang concerning the Implementation of Governance for Commercial
Penerapan Tata Kelola bagi Bank Umum untuk penyesuaian Banks for the adjustment of the number of members of the
jumlah komposisi anggota Direksi dan anggota Dewan Board of Directors and members of the Board of Commissioners
Komisaris Bank. of the Bank.
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Informasi
Perubahan Nama
● Change of Name Information
Tahun Efektif
Nama Alasan Perubahan Perubahan Nama
No.
Name Reason for Change Effective Date of
Name Change
Berawal dengan nama PT Bank Arta Griya.
1. PT Bank Arta Griya 1992
Started off with the name PT Bank Arta Griya.
Mengikuti arahan Pemegang Saham dan Manajemen Bank.
2. PT Bank Harda Griya 1993
Following the direction of Shareholders and Bank Management.
Mengikuti arahan Pemegang Saham dan Manajemen Bank.
3. PT Bank Harda Internasional 1996
Following the direction of Shareholders and Bank Management.
Melakukan Penawaran Saham Perdana (IPO)/mencatatkan
sahamnya di Bursa Efek Indonesia. Dengan begitu, PT Bank
Harda Internasional berubah status menjadi perusahaan terbuka
atau menjadi PT Bank Harda Internasional Tbk.
4. PT Bank Harda Internasional Tbk 2015
Carried out an Initial Public Offering (IPO)/listed the Company’s
shares on the Indonesia Stock Exchange. Through this, PT Bank
Harda Internasional changed its status to become a public
company, specifically, PT Bank Harda Internasional Tbk.
PT Bank Harda Internasional Tbk resmi diakuisisi oleh PT Mega
Corpora. Setelah mendapat persetujuan dari Otoritas Jasa
Keuangan, pada Juni 2021, PT Bank Harda Internasional Tbk
resmi berganti nama menjadi PT Allo Bank Indonesia Tbk.
5. PT Allo Bank Indonesia Tbk 2021
PT Bank Harda Internasional Tbk was officially acquired by PT
Mega Corpora. After obtaining approval from the Financial
Services Authority, PT Bank Harda Internasional Tbk officially
changed its name to PT Allo Bank Indonesia Tbk in June 2021.
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Jejak Langkah
Allo Bank
● Allo Bank Milestones
1992 1993
Berawal dengan nama PT Bank Arta Griya Berganti nama menjadi PT Bank Harda Griya
The Bank was established with the name PT Bank Arta Griya sebelumnya bernama Bank Harda
Changed its name to PT Bank Harda Griya, which was
previously named Bank Harda
2021 2015
• Maret: PT Bank Harda Internasional Tbk resmi diakuisisi Melakukan Penawaran Saham Perdana (IPO)
oleh PT Mega Corpora Carried out an Initial Stock Offering (IPO)
• Juni: Setelah mendapat persetujuan dari Otoritas
Jasa Keuangan, pada Juni 2021, PT Bank Harda
Internasional Tbk resmi berganti nama menjadi PT Allo
2023
Bank Indonesia Tbk
• Juli: Right Issue (PUT II) Rp750 miliar
• Agustus: Bank berganti logo menjadi Allo Bank yang
merefleksikan model bisnis baru, adaptif, dan relevan
dengan perkembangan saat ini khususnya dalam • Februari: Digital banking app terbanyak diunduh
mendukung pertumbuhan inklusi ekonomi digital di periode Juni 2022 - Februari 2023
Indonesia. • Mei: Allo Bank menyelenggarakan Road to Allo Bank
• November: Soft launch ke-40.000 karyawan CT Corp Fest 2023
• Juli: Mendapatkan Sertifikasi ISO/IEC 27001:2022
• March: PT Bank Harda Internasional Tbk was officially • Agustus: Allo Bank menyambut HUT RI Ke-78 dengan
acquired by PT Mega Corpora meluncurkan Tabungan Flexible Allo Grow
• June: After receiving approval from the Financial • September: Allo Bank meraih “The Best Digital-Only
Services Authority, in June 2021, PT Bank Harda Bank” dari The Asian Banker
Internasional Tbk officially changed its name to PT Allo • September: Mendapatkan Rating Korporasi idA
Bank Indonesia Tbk dengan Stable Outlook dari PT Pemeringkat Efek
• July: Rights Issue (PUT II) IDR750 billion Indonesia (Pefindo)
• August: Bank changed its logo to Allo Bank which • November: Allo Bank menyelenggarakan Acara Meet
reflects a new business model, adaptive, and relevant and Greet yang bertajuk Allo Bank Hangout: Untung
to current developments, especially in supporting the Bareng Baekhyun (EXO)
growth of digital economic inclusion in Indonesia.
• November: Soft launch to 40,000 CT Corp employees • February: The most downloaded digital banking app
for the period of June 2022 - February 2023
• May: Allo Bank held Road to Allo Bank Fest 2023
• July: Obtained ISO/IEC 27001:2022 Certification
2022
• August: Allo Bank celebrated the 78th Independence
Day of the Republic of Indonesia by launching Allo
Grow Flexible Savings
• September: Allo Bank won “The Best Digital- Only
• Januari: Right Issue (PUT III) Rp4,8 triliun (Buku 3, KBMI 2) Bank” from The Asian Banker
• Mei: Allo Bank Grand Launching dan Allo Bank Festival • September: Obtained an idA Corporate Rating with
• Juli: Relokasi Kantor Pusat ke Menara Bank Mega the rate of Stable Outlook from PT Pemeringkat Efek
• Desember: Pencapaian 5 juta nasabah Indonesia (Pefindo)
• November: Allo Bank held a Meet and Greet Event
• January: Rights Issue (PUT III) IDR4.8 trillion (Book 3, KBMI 2)
entitled Allo Bank Hangout: Untung Bareng Baekhyun
• May: Held Allo Bank Grand Launching and Allo Bank Festival
• July: Relocation of head office to Menara Bank Mega (EXO)
• December: Achievement of 5 million customers
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1994 2025
Memulai operasional bank untuk pertama kalinya • Februari: Selenggarakan Allo Bank Hangout Bersama
Commenced banking operations for the first time dua Brand Ambassador Wonwoo dan Mingyu di
Jakarta International Velodrome
• Maret: Kerja sama Strategis dengan Visa untuk Kartu
Debit Virtual Allo Visa dan Kerjasama strategis Data
Analytics Sandbox dengan Indosat Ooredoo Hutchison
1996
• Juni: Gelar Allo Bank Festival dengan menampilkan
Grup K-Pop Xodiac dan beragam musisi nasional
• Juli: Bersama Advance.AI mengadakan media
roundtable untuk mendorong kesadaran pentingnya
Berganti nama menjadi PT Bank Harda Internasional (BHI) keamanan digital
Changed its name to PT Bank Harda International (BHI) • Oktober: Pimpin Pinjaman Sindikasi Rp3,7 triliun
kepada SK Plasma Core Indonesia untuk Mendukung
Pembangunan Fasilitas Fraksionasi Plasma Darah
Pertama di Indonesia
2024
• November: Kerjasama dengan Yayasan CT Arsa dalam
program PIJAR untuk mendorong pendidikan di
berbagai daerah pelosok Indonesia
• Desember: Allo Bank mencatatkan 14 juta nasabah
• Mei: Allo Bank menyelesaikan pembangunan Pusat
yang tersebar di seluruh Indonesia
Data Bersertifikat TIA Rated-3 baru sebagai tulang
punggung infrastruktur TI untuk mendukung aspirasi
• February: Hosted an Allo Bank Hangout with two
pertumbuhan Bank
Brand Ambassadors, Wonwoo and Mingyu, at the
• Juni: Bank selenggarakan ALLO BANK FESTIVAL 2024
Jakarta International Velodrome
pada 21-22 Juni 2024 dengan mengusung tema
• March: Strategic Partnership with Visa for the Allo
Intimate Concert Experience dengan bintang tamu
Visa Virtual Debit Card and a Strategic Partnership
internasional WAY V di Istora Senayan Jakarta bersama
with Indosat Ooredoo Hutchison for the Data Analytics
berbagai musisi nasional Indonesia
Sandbox
• September: Allo Bank memperoleh assessment COBIT
• June: Held the Allo Bank Festival featuring K-Pop
2019 dengan Tingkat Maturitas TI di level 4,21 pada 10
Group Xodiac and various national musicians
September 2024
• July: Co-hosted a media roundtable with Advance.AI
to raise awareness of the importance of digital security
• May: Allo Bank completed the construction of a new
• October: Led a IDR3.7 trillion Syndicated Loan to SK
TIA Rated-3 Certified Data Center as the backbone
Plasma Core Indonesia to Support the Construction of
of its IT infrastructure to support the Bank’s growth
Indonesia's First Blood Plasma Fractionation Facility
aspirations
• November: Collaborated with the CT Arsa Foundation
• June: The Bank held ALLO BANK FESTIVAL 2024 on
on the PIJAR program to promote education in remote
June 21-22, 2024 with the theme Intimate Concert
areas of Indonesia
Experience with international guest star WAY V at
• December: Allo Bank registered 14 million customers
ISTORA SENAYAN JAKARTA along with various
across Indonesia
Indonesian national musicians
• September: Allo Bank achieved the COBIT 2019
assessment with an IT Maturity Level of 4.21 on
September 10, 2024
• November: Allo Bank reached a remarkable milestone
with 11 million customers across Indonesia
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Kegiatan Usaha dan
Pasar yang Dilayani
● Business Activities and Markets Served
Kegiatan Usaha Berdasarkan Pasal 3 Anggaran Dasar Based on Article 3 of the Bank's Articles
Bank yang terakhir diubah dan disahkan of Association which was last amended
Berdasarkan
melalui Akta No. 01 tanggal 14 Juni and ratified through Deed No. 01
Anggaran Dasar
2023 yang dibuat di hadapan Dharma dated June 14, 2023 made before
Business Activities and Akhyuzi, S.H., Notaris di Jakarta Dharma Akhyuzi, S.H., Notary in Jakarta
Market Served yang telah memperoleh persetujuan which has obtained approval from the
dari Menteri Hukum dan Hak Asasi Minister of Law and Human Rights of
Manusia Republik Indonesia dengan the Republic of Indonesia with Decree
Surat Keputusan No. AHU-0039698. No. AHU-0039698.AH.01.02.Tahun
AH.01.02.Tahun 2023 tanggal 12 Juli 2023 dated July 12, 2023 and has been
2023 dan telah didaftarkan dalam Daftar registered in the Company Register No.
Perseroan No. AHU-0131254.AH.01.11 AHU-0131254.AH.01.11 dated July 12,
tanggal 12 Juli 2023, maksud dan tujuan 2023, the Bank's purpose and objectives
Bank adalah melakukan usaha di bidang are to conduct business in the banking
perbankan sesuai dengan ketentuan sector in accordance with the provisions
peraturan perundang-undangan yang of applicable laws and regulations,
berlaku, serta optimalisasi pemanfaatan as well as optimizing the utilization of
sumber daya yang dimiliki Bank untuk resources owned by the Bank to produce
menghasilkan barang dan/atau jasa yang high quality and competitive goods and/
bermutu tinggi dan berdaya saing kuat or services to obtain/pursue profits in
untuk mendapat/mengejar keuntungan order to increase the Bank's value by
guna meningkatkan nilai Bank dengan implementing the principles of a Limited
menerapkan prinsip-prinsip Perseroan Liability Company.
Terbatas.
Produk dan Layanan Di tahun 2025, Bank mengembangkan In 2025, the Bank has developed
layanan perbankan digital untuk digital banking services for savings and
Products and Services
tabungan dan fitur-fitur pembayaran, payment features as follows:
meliputi:
1. Produk uang elektronik dengan 1. Electronic money products with Allo
branding Allo Pay dan Allo Pay+; Pay and Allo Pay+ branding;
2. Produk tabungan termasuk Allo 2. Savings products include Allo Prime
Prime dan Allo Grow; and Allo Grow;
3. Deposito; 3. Time Deposits;
4. Kredit digital dengan branding 4. Digital credit with PayLater and
PayLater dan Instant Cash; Instant Cash branding;
5. Layanan Transfer Dana, tarik tunai 5. Fund Transfer Services, cardless cash
tanpa kartu, top up uang elektronik, withdrawals, electronic money top
pembayaran QRIS, layanan ups, QRIS payments, biller payment
pembayaran biller dan program services and loyalty programs in the
loyalty berupa Membership, Point, form of Membership, Points and
dan Coupon (MPC); Coupons (MPC);
6. Rekening Dana Nasabah (RDN); dan 6. Customer Fund Account (RDN); and
7. Virtual Debit Card. 7. Virtual Debit Card.
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Wilayah
Operasional Hingga akhir tahun 2025, Allo Bank selaku perusahaan
perbankan umum berbasis layanan digital memiliki 1 Kantor Pusat
● Operational Area
dan 2 Kantor Cabang yang berlokasi di Jakarta.
As of the end of 2025, Allo Bank, as a digital-based conventional
banking company, has 1 Head Office and 2 Branch Offices
located in Jakarta.
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Struktur
Organisasi
● Organizational Structure
Board of
Commissioners
• Risk Management Committee
• IT Steering Committee
• Asset & Liability Committee (ALCO)
• Credit Committee
• Credit Policy Committee
President Director
(Act.) Ari Yanuanto Asah
Finance, Operations &
Risk, Compliance, & Legal
Human Capital Director
Ganda Raharja Rusli
Ari Yanuanto Asah
Chief Wholesale &
Treasury
Yogi Bima Sakti
Enterprise,
Wholesale Transaction Finance & Transaction Processing
Operational, Compliance
Banking Accounting & Monitoring
& Market Risk Vacant
Vacant Aryanto Halawa (Act.) Fazlan Asqolani
Virna Medina
Facility & Vendor
Credit Review &
Wholesale Credit Customer Care Management Credit Risk
Restructure
Raja Pardede Fazlan Asqolani Rumiris Fouryentina Arief Noorman
Muhammad Fikri
Sinaga
Credit Operations Human Capital Cyber Risk
Value Chain Legal
Martina Loloate J. Strategy & Service Joko Yuniarto
Andri Syamoehdi Ria Sari Sidabutar
Ujung Netty Delima Condro
Anti Fraud
Treasury Network Operations AML CTF
(Act.) Krisnawan
Bagus Razy S. Hakim Panji Permana Dewi Evarini
TriadyPutra
Branch
Nandy Chary
M Husni Hudaya
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Sejalan dengan dinamika bisnis yang semakin berkembang In line with the increasingly developing business dynamics
serta ketatnya persaingan perbankan berbasis digital, Allo Bank and the tight competition in digital-based banking, Allo Bank
terus memperbaiki dan memperkuat struktur organisasinya continues to improve and strengthen its organizational structure
guna mencapai tujuan yang telah ditetapkan. Struktur organisasi to achieve its stated goals. The Bank's organizational structure
Bank terakhir disahkan melalui Surat Keputusan Direksi No. was last approved through the Board of Directors' Decree No.
089/DIRAB/25 tanggal 3 Oktober 2025 tentang Perubahan 089/DIRAB/25 dated 3 October 2025 concerning Changes in
Struktur Organisasi. Adapun struktur organisasi Bank di tahun Organization Structure. The Bank's organizational structure in
2025 dapat dilihat sebagai berikut: 2025 can be seen as follows:
• Risk Oversight Committee
• Audit Committee
• Remuneration & Nomination Committee
Digital Director
Sajal Bhatnagar
Chief Digital Chief Data Analytics &
Chief Digital Lending
Technology Artificial Intelligence
Chen Cao
Xie Peng Arief Tendeas
Digital Strategy & Data Analytics
Application Internal Audit
Business Digital Retail Lending & Insight
Management (Act.) Willyardo Halim
Destya Danang Ricky Ansen
Daniel Leonardo Niko P. Napitupulu
Pradityo
CoE Artificial
Intelligence
Corporate Secretary
Digital Business IT Infrastructure
Digital Product & PMO
Partnership Operation & Security
Boma Harahap Stacey Aryadi
Sony Yoga Delarama Iswibowo
Suryoputro
Marketing
IT Strategy & Policy, Procedure &
Communication Collection & Recovery
Governance Process Management
Andi Kharisma Sonya Rosmala
Rully Feranata Sandra Pramita Sari
Nurfatimah
Data
Management
Pitra Ariadna
Saputra
Commissioner Director Chief Division Head Department Head Specialist
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Visi, Misi, dan
Budaya Perusahaan
● Vision, Mission, and Corporate Culture
Visi Vision
Menjadi bank umum berbasis layanan
digital terbaik melalui aplikasi ALL in
Become the best digital-based
commercial bank through One dengan memanfaatkan ekosistem
the All-in-One application
by utilizing the ecosystem to
untuk memberikan nilai tambah yang
provide greatest added value for sebesar-besarnya bagi bangsa.
society and the nation.
Misi Mission
Menyediakan produk dan layanan perbankan
digital inovatif terintegrasi dengan ekosistem
yang memberikan solusi dan seamless
Offering innovative digital banking
customer experience bagi nasabah serta products and services integrated with
memberikan nilai tambah yang tinggi ecosystems that provides solutions
and seamless customer experience for
kepada seluruh pemangku kepentingan. customers and extending high added
value to all stakeholders.
Reviu Visi dan Misi Perusahaan oleh Manajemen Review of Company’s Vision and Mission by Key
Kunci Management
Visi dan misi Bank ditetapkan dan diberlakukan sesuai dengan The Bank's vision and mission are established and implemented
kajian yang telah dilakukan secara berkala untuk memastikan in accordance with periodic reviews to ensure their relevance to
relevansinya dengan perkembangan lingkungan bisnis Bank. the Bank's business environment. The Bank's vision and mission
Pernyataan terkait visi dan misi Bank yang tertuang dalam statements, outlined in the Bank's Business Plan (RBB), have
Rencana Bisnis Bank (RBB) telah mendapatkan persetujuan been jointly approved by the Board of Commissioners and the
bersama dari Dewan Komisaris dan Direksi. Sampai dengan Board of Directors. As of 2025, the Board of Commissioners
tahun 2025, Dewan Komisaris dan Direksi menilai bahwa and the Board of Directors assess that the Bank's vision and
pencapaian visi dan misi Bank masih relevan dengan mission remain relevant to the developments and conditions of
perkembangan dan kondisi lingkungan bisnis pada tahun buku the business environment in the current fiscal year, as well as
serta arah dan tujuan bisnis Bank. the Bank's business direction and objectives.
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Budaya
Perusahaan
Corporate Culture Dalam rangka memastikan pengelolaan
dan pelaksanaan bisnis Bank dapat
To ensure optimal management and
implementation of the Bank's business
berjalan secara optimal di seluruh across all operational activities, the
aktivitas operasional yang dilakukan, Bank has established a corporate
Bank menetapkan budaya perusahaan culture that adheres to the Bank's Core
dengan memegang teguh Nilai Inti Values. These values serve as norms
Bank. Nilai-nilai ini berperan sebagai or general behavioral guidelines for all
sebuah norma atau pedoman perilaku Bank personnel in carrying out their
umum bagi seluruh Insan Bank dalam daily activities. The Bank's Core Values
menjalankan aktivitasnya sehari-hari. play a crucial role in supporting and
Nilai Inti Bank memegang peranan realizing its vision and mission through
penting dalam menopang dan seven core values, with the acronym
mewujudkan visi dan misi melalui 7 (tujuh) "DIGITAL," launched in early December
nilai inti (core values) dengan akronim 2022 through the Allo Temu program.
“DIGITAL” yang diluncurkan pada awal The Bank's Core Values are as follows:
Desember 2022 melalui program Allo
Temu. Nilai Inti Bank adalah sebagai
berikut:
Data-driven Kami mengambil keputusan dan memecahkan masalah berdasarkan data dan informasi yang kredibel
We make decisions and solve problems based on credible data and information
Impact Kami memberikan solusi dan dampak positif kepada semua stakeholders
We provide solutions and positive impacts to all stakeholders
Growth Kami terus menerus tumbuh dan berkembang secara berkesinambungan untuk masa
depan yang lebih baik We are continuously growing and developing on an ongoing basis for a better future
In harmony Kami bekerjasama dengan semua pihak secara harmonis yang berorientasi pada hasil
We work harmoniously with all parties in a result-oriented manner
Transparency Kami berperilaku jujur dan transparan dalam segala aspek pekerjaan
We behave honestly and transparently in all aspects of our work
Agility Kami tangkas beradaptasi terhadap semua perubahan yang terjadi
We are quick to adapt to all the changes that occur
Learning Kami terus belajar, berbagi, dan menerapkan pengetahuan dan keterampilan baru untuk mengembangkan
kompetensi diri
We are constantly learning, sharing, and applying knowledge and skills to develop selfcompetence
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Makna Logo dan
Moto Perusahaan
● Meaning Behind the Company’s
Logo and Motto
Perubahan nama dan penggunaan logo Changes to the name and use of the
perusahaan ditentukan melalui Surat company logo are determined by
Keputusan Direksi No. 044/DIRAB/21 Directors’ Decree No. 044/DIRAB/21
tentang Perubahan Nama menjadi PT Allo concerning Change of name to PT Allo
Bank Indonesia Tbk (Allo Bank). Bank Indonesia Tbk (Allo Bank).
Moto Motto “All for One,
One for All”
Moto Bank merupakan misi kolaboratif Bank's motto represents a collaborative
untuk menemukan solusi, tumbuh lebih mission to find solutions, grow stronger
kuat, dan meraih mimpi hari esok yang and achieve the dream of a brighter
lebih cerah bersama dengan semua tomorrow together with all customers.
pelanggan.
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Perubahan Komposisi
Dewan Komisaris dan Direksi 2025
● Changes in Composition of Board of Commissioners
and Board of Directors in 2025
Sepanjang tahun 2025 komposisi Dewan Komisaris Bank tidak Throughout 2025, the composition of the Bank's Board
mengalami perubahan. Dengan demikian, susunan komposisi of Commissioners remained unchanged. Therefore, the
Dewan Komisaris per 31 Desember 2025 adalah sebagai composition of the Board of Commissioners as of December
berikut: 31, 2025, is as follows:
Nama Jabatan Dasar Pengangkatan Masa Jabatan Periode Jabatan
Name Position Basis of Appointment Term of Office Period
Aviliani Komisaris Utama Independen RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Independent President Annual GMS May 31, 2024 2024 - 2027 Annual GMS Second
Commissioner
Rosmaya Komisaris Independen RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Independent Commissioner Annual GMS May 31, 2024 2024 - 2027 Annual GMS Second
Ali Gunawan Komisaris RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Commissioner Annual GMS May 31, 2024 2024 - 2027 Annual GMS Second
Allo Bank telah menyusun jumlah dan komposisi Direksi Allo Bank has arranged the number and composition of the
sedemikian rupa sehingga memungkinkan pengambilan Board of Directors in certain way that it allows decision making
keputusan dapat dilakukan secara efektif, tepat dan cepat, serta to be carried out effectively, precisely and quickly, and can act
dapat bertindak independen. Per 31 Desember 2025, terdapat independently. As of December 31, 2025, there is a change
perubahan susunan dan komposisi Direksi, dimana Perseroan in the composition and composition of the Board of Directors,
menerima pengunduran diri Bapak Arief Tendeas sebagai where the Company accepted the resignation of Mr. Arief
Direksi Perseroan yang disahkan melalui RUPS Tahunan Tendeas as the Company's Director which was ratified through
tanggal 10 April 2025. Sementara itu, Bapak Indra Utoyo secara the Annual GMS on April 10, 2025. Meanwhile, Mr. Indra Utoyo
resmi berhenti menjabat sebagai Direktur Utama Allo Bank per officially stopped serving as President Director of Allo Bank as
10 Juli 2025 dikarenakan mengundurkan diri, dan disahkan of July 10, 2025 due to his resignation, and was ratified through
melalui RUPS Luar Biasa tanggal 9 Oktober 2025. Perseroan the Extraordinary GMS on October 9, 2025. The Company also
juga menunjuk Bapak Ari Yanuanto Asah sebagai Plt. Direktur appointed Mr. Ari Yanuanto Asah as Acting President Director
Utama yang efektif menjabat per 10 Juli 2025. who effectively served as of 10 July 2025.
Adapun komposisi Direksi Bank per 31 Desember 2025 adalah The composition of the Board of Directors as of December 31,
sebagai berikut: 2025 is as follows:
Nama Jabatan Dasar Pengangkatan Masa Jabatan Periode Jabatan
Name Position Basis of Appointment Term of Office Period
Ari Yanuanto Direktur RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Asah Director Annual GMS May 31, 2024 2024 - 2027 Annual GMS Second
Ganda Raharja Direktur RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Rusli Director Annual GMS May 31, 2024 2024 - 2027 Annual GMS Second
Sajal Bhatnagar Direktur RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Director Annual GMS May 31, 2024 2024 - 2027 Annual GMS Second
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Profil Dewan Komisaris
● Board of Commissioners Profile
AVILIANI
● Komisaris Utama Independen
Independent President Commissioner
Periode Jabatan: Kedua
Term of Office: Second
64 tahun
64 years old
WNI
Indonesian Citizen
Jakarta
DKI Jakarta, Indonesia
Dasar Hukum Pengangkatan | Legal Basis for Appointment
Diangkat pertama kali sebagai Komisaris Utama Independen Allo Bank She was appointed for the first time as Independent President
dalam Rapat Umum Pemegang Saham (RUPS) Tahunan tahun buku Commissioner of Allo Bank at the Annual General Meeting of
2022 tertanggal 19 Mei 2022 berdasarkan Akta Pernyataan Keputusan Shareholders (GMS) for the 2022 fiscal year that took place on May
Rapat No. 107 tanggal 16 Juni 2022 dan mendapatkan persetujuan 19, 2022. This appointment was based on the Deed of Annual General
Otoritas Jasa Keuangan (OJK) melalui Keputusan Deputi Komisioner Meeting of Shareholders No. 107 dated June 16, 2022 and has
Pengawas Perbankan I Otoritas Jasa Keuangan No. KEP-24/PB.1/2022 obtained approval from the Financial Services Authority (OJK) through
tanggal 9 Juni 2022 tentang Hasil Penilaian Kemampuan dan Kepatutan Decree of the Deputy Commissioner of Banking Supervision I of the
Sdri. Aviliani selaku Calon Komisaris Utama Independen PT Allo Bank Financial Services Authority No. Kep-24/PB.1/2022 dated June 9,
Indonesia Tbk. 2022 concerning Results of the Fit and Proper Test of Ms. Aviliani as
the Independent President Commissioner Candidate of PT Allo Bank
Indonesia Tbk.
Riwayat Pendidikan | Educational Background
• S3, Manajemen Bisnis, Institut Pertanian Bogor (2006 - 2012) • Doctorate Degree in Business Management, Bogor Agricultural
Institute (2006-2012)
• S2, Ilmu Sosial Ilmu Politik, Universitas Indonesia (1992 - 1995) • Master’s Degree, Social Science Political Science, University of
Indonesia (1992-1995)
• S1, Ekonomi, Universitas Atma Jaya, Jakarta (1981 - 1985) • Bachelor’s Degree, Economics, Atma Jaya University, Jakarta (1981-
1985)
Sertifikasi | Certification
• Sertifikasi Manajemen Risiko Jenjang 6 • Level 6 Risk Management Certification
Riwayat Pekerjaan | Employment History
• Komisaris Utama Independen PT Allo Bank Indonesia Tbk (Juni 2022 • Independent President Commissioner of PT Allo Bank Indonesia Tbk
- sekarang) (June 2022 - present)
• Komisaris Independen PT Bank Mega Tbk (Februari 2018 - Februari • Independent Commissioner of PT Bank Mega Tbk (February 2018 -
2022) February 2022)
• Komisaris Independen PT Aplikanusa Lintasarta (April 2017 - • Independent Commissioner of PT Aplikanusa Lintasarta (April 2017 -
sekarang) present)
• Komisaris Independen (Pejabat Eksekutif) dan Ketua Komite Audit PT • Independent Commissioner (Executive Officer) and Chairman of the
Bank Mandiri (Persero) Tbk (21 Mei 2014 - 14 Maret 2017) Audit Committee of PT Bank Mandiri (Persero) Tbk (May 21, 2014 -
March 14, 2017)
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• Komisaris Independen PT Dyandra (Desember 2012 - Desember • Independent Commissioner of PT Dyandra (December 2012 -
2017) December 2017)
• Komisaris Independen (Pejabat Eksekutif) PT Bank BRI Tbk (15 Mei • Independent Commissioner (Executive Officer) of PT Bank BRI Tbk
2005 - 21 Mei 2014) (May 15, 2005 - May 21, 2014)
• Staf Pengajar Perbanas Institute (10 Agustus 2010 - sekarang) • Lecturer at Perbanas Institute (August 10, 2010 - present)
• Sekretaris Komite Ekonomi Nasional (10 Oktober 2010 - 20 Oktober • Secretary of the National Economic Committee (October 10, 2010 -
2014) October 20 2014)
• Wakil Sekretaris KP3EI (10 November 2012 - 20 Oktober 2014) • Deputy Secretary of KP3EI (November 10, 2012 - October 20, 2014)
• Ketua Jurusan Universitas Paramadina (20 Mei 2002 - 10 Juni 2005) • Head of Department, Paramadina University (May 20, 2002 - June
10, 2005)
• Dosen/Pengajar STIE Perbanas (5 Maret 1989 - 20 April 2002) • Lecturer/Instructor, STIE Perbanas (March 5, 1989 - April 20, 2002)
• Pembantu Ketua (PUREK II) STIE Perbanas (15 Juni 2000 - 20 April • Assistant Chair (PUREK II) STIE Perbanas (June 15, 2000 - April 20,
2002) 2002)
• Wakil Direktur Penelitian dan Pengabdian STIE Perbanas (10 Januari • Deputy Director of Research and Community Service, STIE Perbanas
1997 - 5 Desember 1999) (January 10, 1997 - December 5, 1999)
• Wakil Direktur Pengembangan Bisnis INDEF (10 Juni 1997 - 15 • Deputy Director of Business Development, INDEF (June 10, 1997 -
November 1999) November 15, 1999)
Informasi Rangkap Jabatan | Information on Concurrent Positions
Komisaris Independen PT Aplikanusa Lintasarta Independent Commissioner of PT Aplikanusa Lintasarta
(April 2017 - sekarang) (April 2017 - present)
Hubungan Afiliasi | Affiliation Relationship
Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, She has no affiliation with members of the Board of Directors, other
anggota Dewan Komisaris lainnya, maupun dengan Pemegang Saham members of the Board of Commissioners, or with the Controlling and
Pengendali dan Utama. Majority Shareholders.
Kepemilikan Saham | Share Ownership
Beliau tidak memiliki saham di PT Allo Bank Indonesia Tbk. She does not own shares in PT Allo Bank Indonesia Tbk.
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ROSMAYA
● Komisaris Independen
Independent Commissioner
Periode Jabatan: Kedua
Term of Office: Second
66 tahun
66 years old
WNI
Indonesian Citizen
Cinere, Depok,
Jawa Barat, Indonesia
Dasar Hukum Pengangkatan | Legal Basis for Appointment
Diangkat pertama kali sebagai Komisaris Independen Allo Bank dalam She was appointed for the first time as Independent Commissioner of
Rapat Umum Pemegang Saham (RUPS) Tahunan tahun buku 2022 Allo Bank at the Annual General Meeting of Shareholders (GMS) for the
tertanggal 19 Mei 2022 berdasarkan Akta Berita Acara Rapat Umum 2022 fiscal year dated May 19, 2022 based on the Deed of Minutes
Pemegang Saham Tahunan No. 107 tertanggal 16 Juni 2022 dan of the Annual General Meeting of Shareholders No. 107 dated June
mendapatkan persetujuan OJK melalui No. Kep-41/PB.1/2022 tanggal 16, 2022 and obtained OJK approval through No. Kep-41/PB.1/2022
16 Agustus 2022 tentang Hasil Penilaian Kemampuan dan Kepatutan dated August 16, 2022 concerning the Results of the Fit and Proper
Sdri. Rosmaya selaku Komisaris Independen PT Allo Bank Indonesia Assessment of Ms. Rosmaya as Independent Commissioner of PT Allo
Tbk. Bank Indonesia Tbk.
Riwayat Pendidikan | Educational Background
• S2, Administrasi & Pengembangan SDM Universitas Indonesia (2004) • Master’s Degree, Administration & Human Resource Development,
University of Indonesia (2004)
• S1, Hukum Perdata Universitas Padjadjaran (1984) • Bachelor’s Degree, Civil Law, Padjadjaran University (1984)
Sertifikasi | Certification
• Sertifikasi Manajemen Risiko Jenjang 6 • Level 6 Risk Management Certification
Riwayat Pekerjaan | Employment History
• Komisaris Independen PT Allo Bank Indonesia Tbk (Juni 2022 - • Independent Commissioner of PT Allo Bank Indonesia Tbk (June
sekarang) 2022 - present)
• Deputi Gubernur Bank Indonesia (2017 - 2022) • Deputy Governor of Bank Indonesia (2017 - 2022)
• Anggota Dewan Pengawas Independen ASPI (2022 - 2025) • Member of the ASPI Independent Supervisory Board (2022 - 2025)
• Kepala Perwakilan Bank Indonesia (2014 - 2016) • Chief Representative of Bank Indonesia (2014 - 2016)
• Kepala Grup - Kepala Departemen (Stk. Direktur Eksekutif) Bank • Head of Group - Head of Department (Stk. Executive Director) of
Indonesia (2012 - 2014) Bank Indonesia (2012 - 2014)
• Narasumber Payment System International Bank Indonesia (2009 - • Bank Indonesia International Payment System Resource Person
2014) (2009 - 2014)
• Deputi Direktur Bank Indonesia (2007 - 2011) • Deputy Director of Bank Indonesia (2007 - 2011)
• Staf - Kepala Bagian Bank Indonesia (1985 - 2006) • Staff - Head of Bank Indonesia (1985 - 2006)
Informasi Rangkap Jabatan | Information on Concurrent Positions
Anggota Dewan Pengawas Independen ASPI (2022 - 2025) RINTIS Member of the Independent Supervisory Board of ASPI (2022 - 2025)
RINTIS
Hubungan Afiliasi | Affiliation Relationship
Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, She has no affiliation with members of the Board of Directors, other
anggota Dewan Komisaris lainnya, maupun dengan Pemegang Saham members of the Board of Commissioners, or with the Controlling and
Pengendali dan Utama. Majority Shareholders.
Kepemilikan Saham | Share Ownership
Beliau tidak memiliki saham di PT Allo Bank Indonesia Tbk. She does not own shares in PT Allo Bank Indonesia Tbk.
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ALI GUNAWAN
● Komisaris
Commissioner
Periode Jabatan: Kedua
Term of Office: Second
62 tahun
62 years old
WNI
Indonesian Citizen
Jakarta
DKI Jakarta, Indonesia
Dasar Hukum Pengangkatan | Legal Basis for Appointment
Diangkat pertama kali sebagai Komisaris Allo Bank dalam Rapat Umum He was appointed for the first time as Commissioner of Allo Bank at the
Pemegang Saham (RUPS) Tahunan tahun buku 2021 tertanggal 7 Mei Annual General Meeting of Shareholders (GMS) for the 2021 fiscal year
2021 berdasarkan Akta Pernyataan Keputusan Rapat No. 23 tanggal 7 dated May 7, 2021 based on Deed of Minutes of Annual General Meeting
Mei 2021 dan mendapatkan persetujuan Otoritas Jasa Keuangan (OJK) of Shareholders No. 23 dated May 7, 2021 and obtained approval from
melalui Keputusan Deputi Komisioner Pengawas Perbankan I Otoritas the Financial Services Authority (OJK) through Decree of the Deputy
Jasa Keuangan No. KEP-49/PB.1/2021 tanggal 13 Juli 2021 tentang Commissioner of Banking Supervision I of the Financial Services
Hasil Penilaian Kemampuan dan Kepatutan Sdr. Ali selaku Anggota Authority No. KEP-49/PB.1/2021 dated July 13, 2021 concerning Results
Dewan Komisaris PT Allo Bank Indonesia Tbk. of the Fit and Proper Test of Mr. Ali as the Commissioner of PT Allo Bank
Indonesia Tbk.
Riwayat Pendidikan | Educational Background
S1, Ekonomi Akuntansi Universitas Trisakti (1994) Bachelor’s degree, Economics, Accounting, Trisakti University (1994)
Sertifikasi | Certification
• Sertifikasi Manajemen Risiko Jenjang 6 • Level 6 Risk Management Certification
• Certification in Audit Committee Practices • Certification in Audit Committee Practices
Riwayat Pekerjaan | Employment History
• Komisaris PT Allo Bank Indonesia Tbk (2021 - sekarang) • Commissioner of PT Allo Bank Indonesia Tbk (2021 - present)
• Komisaris Alfa Retailindo (2022 - sekarang) • Commissioner of Alfa Retailindo (2022 - present)
• Direktur PT CT Corpora (2021 - sekarang) • Director of PT CT Corpora (2021 - present)
• Direktur PT Mega Corpora (2004 - sekarang) • Director of PT Mega Corpora (2004 - present)
• Partner Kantor Akuntan Publik Prasetio, Sarwoko & Sandjaja (Ernst & • Partner of Prasetio, Sarwoko & Sandjaja (Ernst & Young Indonesia)
Young Indonesia) (1986 - 2004) Public Accounting Firm (1986 - 2004)
• Komisaris PARA Bali Propertindo (2005 - sekarang) • Commissioner of PARA Bali Propertindo (2005 - present)
• Komisaris Trans Media Corpora (2007 - sekarang) • Commissioner of Trans Media Corpora (2007 - present)
• Komisaris Trans Cibubur Property (2010 - sekarang) • Commissioner of Trans Cibubur Property (2010 - present)
• Komisaris Garuda Maintenance Facility (2018 - sekarang) • Commissioner of Garuda Maintenance Facility (2018 - present)
• Komisaris Utama Asuransi Umum Mega (2011 - 2024) • President Commissioner of Asuransi Umum Mega (2011 - 2024)
Informasi Rangkap Jabatan | Information on Concurrent Positions
• Direktur Mega Corpora (2004 - sekarang) • Director of Mega Corpora (2004 - Present)
• Direktur PT CT Corpora (2021 - sekarang) • Director of PT CT Corpora (2021 - Present)
• Komisaris Alfa Retailindo (2022 - sekarang) • Commissioner of Alfa Retailindo (2022 - Present)
• Direktur Trans Kalla Makassar (2016 - sekarang) • Director of Trans Kalla Makassar (2016 - Present)
• Komisaris Para Bali Propertindo (2005 - sekarang) • Commissioner of Para Bali Propertindo (2005 - Present)
• Komisaris Trans Media Corpora (2007 - sekarang) • Commissioner of Trans Media Corpora (2007 - Present)
• Komisaris Trans Cibubur Property (2010 - sekarang) • Commissioner of Trans Cibubur Property (2010 - Present)
• Komisaris Garuda Maintenance Facility (2018 - sekarang) • Commissioner of Garuda Maintenance Facility (2018 - Present)
• Komisaris Mega Asset Management (2024 - sekarang) • Commissioner of Mega Asset Management (2024 - Present)
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Hubungan Afiliasi | Affiliation Relationship
Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors, other
anggota Dewan Komisaris lainnya, maupun dengan Pemegang Saham members of the Board of Commissioners, or with the Controlling and
Pengendali dan Utama. Majority Shareholders.
Kepemilikan Saham | Share Ownership
Beliau memiliki 10.238.900 lembar saham PT Allo Bank Indonesia Tbk He owns 10,238,900 shares in PT Allo Bank Indonesia Tbk as of
per 31 Desember 2025. Desember 31, 2025.
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Profil Direksi
● Board of Directors Profile
ARI YANUANTO
ASAH
● Plt. Direktur Utama | Acting President Director
Direktur Keuangan, Operasional & Human Capital
Finance, Operations & Human Capital Director
Periode Jabatan: Kedua
Term of Office: Second
56 tahun
56 years old
WNI
Indonesian Citizen
Jakarta
DKI Jakarta, Indonesia
Dasar Hukum Pengangkatan | Legal Basis for Appointment
Diangkat pertama kali sebagai Direktur Bank dalam Rapat Umum Appointed for the first time as Finance and Operations Director of Allo
Pemegang Saham (RUPS) Luar Biasa tertanggal 29 Januari 2021 Bank at the Extraordinary General Meeting of Shareholders (EGMS)
berdasarkan Akta Pernyataan Keputusan Rapat No. 05 tanggal 22 dated January 29, 201 based on Deed of Minutes of Annual General
Februari 2021 dan mendapatkan persetujuan Otoritas Jasa Keuangan Meeting of Shareholders No. 05 dated February 22, 2021 and has
(OJK) melalui Keputusan Deputi Komisioner Pengawas Perbankan I obtained approval from the Financial Services Authority (OJK) through
Otoritas Jasa Keuangan No. KEP-24/PB.1/2021 tanggal 6 April 2021 Decree of the Deputy Commissioner of Banking Supervision I of the
tentang Hasil Penilaian Kemampuan dan Kepatutan Sdr. Ari Yanuanto Financial Services Authority No. KEP-24/PB.1/2021 dated April 6, 2021
Asah selaku Direktur Operasional dan IT PT Allo Bank Indonesia Tbk. concerning the results of the Fit and Proper Test of Mr. Ari Yanuanto
Asah as the Director of Operation and IT of PT Allo Bank Indonesia Tbk.
Riwayat Pendidikan | Educational Background
• S2, Manajemen Sistem Informasi Universitas Bina Nusantara (2018) • Master’s Degree, Information System Management, Bina Nusantara
University (2018)
• S1 Sarjana Ekonomi, Sekolah Tinggi Ilmu Ekonomi Bhakti • Bachelor’s Degree, Economics, Bhakti Development College of
Pembangunan - Jakarta (1996) Economics - Jakarta (1996)
Sertifikasi | Certification
• Sertifikasi Manajemen Risiko Jenjang 7 • Risk Management Certification Level 7
Riwayat Pekerjaan | Employment History
• Direktur Keuangan, Operasional & Human Capital PT Allo Bank • Finance, Operations & Human Capital Director PT Allo Bank
Indonesia, Tbk (Agustus 2023 - sekarang) Indonesia, Tbk (August 2023 - present)
• Direktur Keuangan dan Operasional PT Allo Bank Indonesia Tbk • Finance and Operations Director PT Allo Bank Indonesia, Tbk (August
(Agustus 2022 - Juli 2023) 2022 - July 2023)
• Plt. Direktur Utama PT Allo Bank Indonesia, Tbk (24 Mei 2021 - Juli • Acting President Director of PT Allo Bank Indonesia, Tbk (May 24,
2022) 2021 - July 2022)
• Direktur Operasional & IT PT Allo Bank Indonesia, Tbk (Januari 2021 • Operational & IT Director of PT Allo Bank Indonesia, Tbk (January
- 23 Mei 2021) 2021 - May 23, 2021)
• (Senior Vice President) Kepala Divisi Transformation Project (Pejabat • (Senior Vice President) Division Head, Transformation Project Head
Eksekutif) PT Bank Mega Tbk (Mei 2018 - Januari 2021) (Executive Officer) of PT Bank Mega Tbk (May 2018 - January 2021)
• (Vice President) Process & System Development Head (Pejabat • (Vice President) Process & System Development Head (Executive
Eksekutif) PT Bank Mega Tbk (Kantor Pusat) (April 2014 - Mei 2018) Officer) of PT Bank Mega Tbk (Head Office) (April 2014 - May 2018)
• (Vice President) Process Management Head (Pejabat Eksekutif) PT • (Vice President) Process Management Head (Executive Officer) of PT
Bank Mega Tbk (Kantor Pusat) (Mei 2013 - Maret 2014) Bank Mega Tbk (Head Office) (May 2013 - March 2014)
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
• (Vice President) Process Improvement Head PT Bank Mega Tbk • (Vice President) Process Improvement Head of PT Bank Mega Tbk
(Oktober 2012 - Mei 2013) (October 2012 - May 2013)
• (Vice President) Pinbag Credit - Trade - Treasury Process Development • (Vice President) Pinbag Credit - Trade - Treasury Process
PT Bank Mega Tbk (Januari 2011 - September 2012) Development of PT Bank Mega Tbk (January 2011 - September 2012)
• (Vice President) Head, Projects System Development PT Bank Permata • (Vice President) Head, Projects System Development of PT Bank
Tbk (November 2009 - Januari 2011) Permata Tbk (November 2009 - January 2011)
• AVP (Process Management & System Dev Head - Global Market • AVP (Process Management & System Dev Head – Global Market
Operations) PT Bank Permata Tbk (Maret 2008 - Oktober 2009) Operations) of PT Bank Permata Tbk (March 2008 - October 2009)
• AVP Treasury, Trade and Service Process Management Dept. Head • AVP - Treasury, Trade and Service Process Management Dept Head
PT Bank Permata Tbk (Mei 2006 - Februari 2008) of PT Bank Permata Tbk (May 2006 - February 2008)
Informasi Rangkap Jabatan | Information on Concurrent Positions
Beliau tidak memiliki rangkap jabatan. He has no concurrent position.
Hubungan Afiliasi | Affiliation Relationship
Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors, other
anggota Dewan Komisaris lainnya, maupun dengan Pemegang Saham members of the Board of Commissioners, or with the Controlling and
Pengendali dan Utama. Majority Shareholders.
Kepemilikan Saham | Share Ownership
Beliau tidak memiliki saham di PT Allo Bank Indonesia Tbk. He does not own shares in PT Allo Bank Indonesia Tbk.
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GANDA
RAHARJA RUSLI
● Direktur Risiko, Kepatuhan & Hukum
Risk, Compliance & Legal Director
Periode Jabatan: Kedua
Term of Office: Second
52 tahun
52 years old
WNI
Indonesian Citizen Indonesian Citizen
Jakarta
DKI Jakarta, Indonesia
Dasar Hukum Pengangkatan | Legal Basis for Appointment
Diangkat pertama kali sebagai Direktur Allo Bank dalam Rapat Umum Appointed for the first time as Director of Allo Bank at the Extraordinary
Pemegang Saham (RUPS) Luar Biasa tanggal 15 Oktober 2021 General Meeting of Shareholders (EGMS) was dated October 15,
berdasarkan Akta Pernyataan Keputusan Rapat No. 10 tanggal 18 2021 based on the Deed of Minutes of Annual General Meeting of
Oktober 2021 dan mendapatkan persetujuan Otoritas Jasa Keuangan Shareholders No. 10 dated October 18, 2021 and has obtained approval
(OJK) melalui Keputusan Deputi Komisioner Pengawas Perbankan I from the Financial Services Authority (OJK) through Decree of the
Otoritas Jasa Keuangan No. KEP-70/PB.1/2021 tanggal 14 Desember Deputy Commissioner of Banking Supervision I of the Financial Services
2021 tentang Hasil Penilaian Kemampuan dan Kepatutan Sdr. Ganda Authority No. KEP-70/PB.1/2021 dated December 14, 2021 concerning
Raharja Rusli selaku Direktur Kepatuhan PT Allo Bank Indonesia Tbk. Results of the Fit and Proper Test of Mr. Ganda Raharja Rusli as the
Director of Compliance of PT Allo Bank Indonesia Tbk.
Riwayat Pendidikan | Educational Background
S1, Matematika - Institut Teknologi Bandung (1997) Bachelor’s Degree, Mathematics - Bandung Institute of Technology
(1997)
Sertifikasi | Certification
• Sertifikasi Manajemen Risiko Jenjang 7 • Risk Management Certification Level 7
• Sertifikasi Direksi P2P Lending level Dasar • Basic Level P2P Lending Directors Certification
• Sertifikasi APU PPT dan PPPSPM • Anti-Money Laundering, Countering the Financing of Terrorism,
and Countering the Financing of Weapons of Mass Destruction
Proliferation Certification
Riwayat Pekerjaan | Employment History
• Direktur Risiko, Kepatuhan dan Hukum PT Allo Bank Indonesia Tbk • Director of Risk, Compliance and Legal at Allo Bank (September
(Agustus 2023 - sekarang) 2023 - present)
• Direktur Risiko, Kepatuhan, Human Capital dan Hukum PT Allo Bank • Director of Risk, Compliance, Human Capital and Legal at Allo Bank
Indonesia Tbk (Oktober 2021 - Agustus 2023) (October 2021 - August 2023)
• Direktur Manajemen Risiko, Hukum dan Kepatuhan - Akseleran • Director of Risk Management, Legal and Compliance – Akseleran
Keuangan Inklusif Indonesia (Akseleran P2P Lending) (Januari 2020 Keuangan Inklusif Indonesia (P2P Lending Acceleration) (January
- Agustus 2021) 2020 - August 2021)
• Kepala Divisi Manajemen Risiko (Pejabat Executive) - Bank • Head of Risk Management Division (Executive Officer) -
Commonwealth Indonesia (Maret 2017 - Desember 2019) Commonwealth Bank Indonesia (March 2017 - December 2019)
• Kepala Divisi Manajemen Risiko segmen Konsumer (Pejabat • Head of Risk Management Division Consumer Segment (Executive
Executive) - Bank ANZ Indonesia (Mei 2015 - Februari 2017) Officer) - Bank ANZ Indonesia (May 2015 - February 2017)
• Direktur Kredit dan Penagihan - Bank Sahabat Sampoerna (Januari • Director of Credit and Collection - Bank Sahabat Sampoerna
2012 - April 2015) (January 2012 - April 2015)
• Direktur Manajemen Risiko - Sahabat Finansial Keluarga (anak usaha • Director of Risk Management - Sahabat Finansial Keluarga (a
dari Bank Permata) (Desember 2010 - Desember 2011) subsidiary of Bank Permata) (December 2010 - December 2011)
• Credit Card Policy Manager - National Commercial Bank, Jeddah • Manager of Credit Card Policy - National Commercial Bank, Jeddah
(Desember 2007 - Desember 2010) (December 2007 – December 2010)
• Kepala bagian Kredit tanpa Agunan (Unsecured Credit) - GE Finance • Head of Unsecured Credit - GE Finance Indonesia (April 2006 -
Indonesia (April 2006 - Desember 2007) December 2007)
• Kepala bagian Risk Analytics - ABN Amro Indonesia (Agustus 2004 - • Head of Risk Analytics - ABN Amro Indonesia (August 2004 - April
April 2006) 2006)
• Kepala bagian Risk Analytics - Citibank Indonesia (November 1997 - • Head of Risk Analytics - Citibank Indonesia (November 1997 - August
Agustus 2004) 2004)
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Informasi Rangkap Jabatan | Information on Concurrent Positions
Beliau tidak memiliki rangkap jabatan. He has no concurrent position.
Hubungan Afiliasi | Affiliation Relationship
Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors, other
anggota Dewan Komisaris lainnya, maupun dengan Pemegang Saham members of the Board of Commissioners, or with the Controlling and
Pengendali dan Utama. Majority Shareholders.
Kepemilikan Saham | Share Ownership
Beliau memiliki 85.784 lembar saham PT Allo Bank Indonesia Tbk per He owns 85,784 shares of PT Allo Bank Indonesia Tbk as of December
31 Desember 2025. 31, 2025.
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SAJAL BHATNAGAR
● Direktur Digital
Digital Director
Periode Jabatan: Kedua
Term of Office: Second
38 tahun
38 years old
India
Indian
Jakarta
DKI Jakarta, Indonesia
Dasar Hukum Pengangkatan | Legal Basis for Appointment
Diangkat pertama kali sebagai Direktur Allo Bank dalam Rapat Umum Appointed for the first time as Digital Director of Allo Bank at the
Pemegang Saham (RUPS) Tahunan tahun buku 2022 tertanggal 19 Mei Annual General Meeting of Shareholders (GMS) for the 2022 fiscal year
2022 berdasarkan Akta Rapat Umum Pemegang Saham Tahunan No. dated May 19, 2022 based on the Deed of Annual General Meeting of
107 tertanggal 16 Juni 2022 dan mendapatkan persetujuan OJK melalui Shareholders No. 107 dated June 16, 2022 and obtained OJK approval
Keputusan Deputi Komisioner Pengawas Perbankan I OJK No. Kep-40/ through Decree of Deputy Commissioner for Banking Supervision I OJK
PB.1/2022 tanggal 16 Agustus 2022 tertanggal 16 Agustus 2022 tentang No. Kep-40/ PB.1/2022 dated August 16, 2022 concerning Results of
Hasil Penilaian Kemampuan dan Kepatutan Sdr. Sajal Bhatnagar selaku the Fit and Proper Test of Mr. Sajal Bhatnagar as Digital Director of PT
Direktur Digital PT Allo Bank Indonesia Tbk. Allo Bank Indonesia Tbk.
Riwayat Pendidikan | Educational Background
• S2, MBA - IIM Calcutta (2010) • Master of Business Administration - IIM Calcutta (2010)
• S1, Mechanical Engineering - IIT (ISM) Dhanbad (2008) • Bachelor’s Degree, Mechanical Engineering - IIT (ISM) Dhanbad (2008)
Sertifikasi | Certification
• Sertifikasi Manajemen Risiko Jenjang 7 • Risk Management Certification Level 7
Riwayat Pekerjaan | Employment History
• Direktur Digital PT Allo Bank Indonesia Tbk (Juni 2022 - sekarang) • Director of Digital at PT Allo Bank Indonesia Tbk (June 2022 - present)
• Chief Business Officer (BOD) - Paytm Payments Bank (November • Chief Business Officer (BOD) - Paytm Payments Bank (November
2020 - Mei 2022) 2020 - Mei 2022)
• Vice President, Payment Merchant Product and Lifecycle (Executive • Vice President, Payment Merchant Product and Lifecycle (Executive
Staff) - Paytm (One97 Communications Pvt. Ltd.), Delhi NCR (Maret Staff) - Paytm (One97 Communications Pvt. Ltd.), Delhi NCR (Maret
2015 - November 2020) 2015 - November 2020)
Informasi Rangkap Jabatan | Information on Concurrent Positions
Beliau tidak memiliki rangkap jabatan. He has no concurrent position.
Hubungan Afiliasi | Affiliation Relationship
Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors, other
anggota Dewan Komisaris lainnya, maupun dengan Pemegang Saham members of the Board of Commissioners, or with the Controlling and
Pengendali dan Utama. Majority Shareholders.
Kepemilikan Saham | Share Ownership
Beliau tidak memiliki saham di PT Allo Bank Indonesia Tbk. He does not own shares in PT Allo Bank Indonesia Tbk.
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Profil Pejabat Eksekutif
● Executive Officer Profile
YOGI BIMA
SAKTI
● Chief Wholesale & Treasury
50 tahun
50 years old
WNI
Indonesian Citizen
Jakarta
DKI Jakarta, Indonesia
Riwayat Pendidikan | Educational Background
Bachelor of Business, Edith Cowan University, Perth, Western Australia Bachelor of Business, Edith Cowan University, Perth, Western Australia
(2000) (2000)
Sertifikasi | Certification
Sertifikasi Manajemen Risiko Jenjang 6 • Level 6 Risk Management Certification
Riwayat Pekerjaan | Employment History
• Chief of Wholesale and Treasury, PT Allo Bank Indonesia Tbk (Mei • Chief of Wholesale and Treasury, PT Allo Bank Indonesia Tbk (Mei
2025 – sekarang) 2025 – present)
• Senior Risk Credit Executive, PT Bank Negara Indonesia (Persero) Tbk • Senior Risk Credit Executive, PT Bank Negara Indonesia (Persero) Tbk
(Januari 2025 – Mei 2025) (January 2025 – May2025)
• Group Head, PT Bank Negara Indonesia (Persero) Tbk (2023–2025) • Group Head, PT Bank Negara Indonesia (Persero) Tbk (2023–2025)
• Director Corporate Banking, Bank of America, N.A. (BOFA), Jakarta, • Director Corporate Banking, Bank of America, N.A. (BOFA), Jakarta,
(April 2020 – November 2022) (April 2020 – November 2022)
• Senior Vice President, PT Bank DBS Indonesia (DBSI), Jakarta, (Juni • Senior Vice President, PT Bank DBS Indonesia (DBSI), Jakarta,
2015 – April 2020) (June2015 – April 2020)
• Vice President, JP Morgan Chase Bank, N.A., Jakarta, (Feb 2013 – • Vice President, JP Morgan Chase Bank, N.A., Jakarta, (February
Juni 2015) 2013 – June 2015)
• Vice President, Deutsche Bank AG, Jakarta, (April 2010 – Feb 2013) • Vice President, Deutsche Bank AG, Jakarta, (April 2010 – February
2013)
• Vice President, PT Bank Barclays Indonesia, Jakarta, (September • Vice President, PT Bank Barclays Indonesia, Jakarta, (September
2009 – April 2010) 2009 – April 2010)
• Assistant Vice President, Citibank, N.A., Institutional Client Group • Assistant Vice President, Citibank, N.A., Institutional Client Group
(ICG), Jakarta, (Desember 2000 – September 2009) (ICG), Jakarta, (December 2000 – September 2009)
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ARIEF
TENDEAS
● Chief Data Analytics & Artificial Intelligence
51 tahun
51 years old
WNI
Indonesian Citizen
Bogor
Jawa Barat, Indonesia
West Java, Indonesia
Riwayat Pendidikan | Educational Background
• S2, Sistem Informasi Universitas Bina Nusantara (2002) • Master’s Degree, Information Systems, Bina Nusantara University (2002)
• S1, Teknik Informatika STMIK Bina Nusantara (1997) • Bachelor’s Degree, Information Technology, STMIK Bina Nusantara (1997)
Sertifikasi | Certification
• Sertifikasi Manajemen Risiko Jenjang 7 • Level 7 Risk Management Certification
• Uji Kompetensi Treasury Level Advance • Advanced Treasury Competency Test
• Merchant Acquiring Risk Management Training (Level 1) • Merchant Acquiring Risk Management Training (Level 1)
Riwayat Pekerjaan | Employment History
• Chief Data Analytics & Artificial Intelligence PT Allo Bank Indonesia • Chief Data Analytics & Artificial Intelligence Officer, PT Allo Bank
Tbk (Kantor Pusat) (Februari 2025 -sekarang) Indonesia Tbk (Head Office) (February 2025 - present)
• Direktur Bisnis PT Allo Bank Indonesia Tbk (Kantor Pusat) (Februari • Business Director, PT Allo Bank Indonesia Tbk (Head Office) (February
2021 - 2025) 2021 - 2025)
• Kadiv Digital Business (Pejabat Eksekutif) PT Bank Mega, Tbk Kantor • Head of Digital Business Division (Executive Officer), PT Bank Mega
Pusat (April 2018 - Januari 2021) Tbk Head Office (April 2018 - January 2021)
• Komisaris PT Debeka Putra Mandiri (perusahaan Keluarga) (November • Commissioner of PT Debeka Putra Mandiri (Family Company)
2017 - Januari 2021) (November 2017 - January 2021)
• Kadiv CCPL Operation (Pejabat Eksekutif) PT Bank Mega, Tbk Kantor • Head of CCPL Operation Division (Executive Officer), PT Bank Mega
Pusat (Oktober 2014 - Maret 2018) Tbk Head Office (October 2014 - March 2018)
• Business Project Manager di Maybank Kuala Lumpur PT Bank • Business Project Manager at Maybank Kuala Lumpur, PT Bank
Internasional Indonesia Kantor Pusat (Desember 2013 - September Internasional Indonesia Head Office (December 2013 - September
2014) 2014)
• Kadiv System Support Credit Card PT Bank Internasional Indonesia • Head of Credit Card System Support Division, PT Bank Internasional
Kantor Pusat (Juni 2011 - November 2013) Indonesia Head Office (June 2011 - November (2013)
• Kadiv Card Operation & Support (Pejabat Eksekutif) PT Bank Mega, • Head of Card Operation & Support (Executive Officer) PT Bank Mega,
Tbk Kantor Pusat (Juni 2004 - Mei 2011) Tbk Head Office (June 2004 - May 2011)
• System and Operation Manager PT Trias Abadi Cemerlang (Desember • System and Operations Manager PT Trias Abadi Cemerlang
2000 - Mei 2004) (December 2000 - May 2004)
• Kepala Bagian System Support Kartu Kredit PT Bank Central Asia • Head of Credit Card System Support PT Bank Central Asia Head
Kantor Pusat (Juli 1996 - November 2000) Office (July 1996 - November 2000)
• Programmer PT Infarco Pondok Wisata (Desember 1994 - Februari • Programmer PT Infarco Pondok Wisata (December 1994 - February
1996) 1996)
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RAYMOND
(CHEN CAO)
● Chief Digital Lending
42 tahun
42 years old
Tiongkok
Tiongkok Citizen
Jakarta
DKI Jakarta, Indonesia
Riwayat Pendidikan | Educational Background
• S2 Mechatronics Engineering, Shanghai University (2005) • Master’s Degree, Mechatronics Engineering, Shanghai University
(2005)
• S1 Mechanical Engineering and Automation, Shanghai University • Bachelor’s Degree, Mechanical Engineering and Automation,
(2001) Shanghai University (2001)
Sertifikasi | Certification
• Sertifikasi Manajemen Risiko Jenjang 5 • Level 5 Risk Management Certification
Riwayat Pekerjaan | Employment History
• Chief Digital Lending, PT Allo Bank Indonesia Tbk (Oktober 2025 – • Chief Digital Lending, PT Allo Bank Indonesia Tbk (October 2025 –
sekarang) present)
• Deputy General Manager of International Development Department, • Deputy General Manager of International Development Department,
Shenzhen Qianhai WeBank Co., Ltd (Nov 2017 - Sept 2025) Shenzhen Qianhai WeBank Co., Ltd (Nov 2017 - Sept 2025)
• Manager of Business Analysis, Ping An Puhui Investment Consulting • Manager of Business Analysis, Ping An Puhui Investment Consulting
Co., Ltd (Apr 2016 - Nov 2017) Co., Ltd (Apr 2016 - Nov 2017)
• Senior Sales Manager, Taiping E-commerce Co., Ltd (Sep 2014 - Apr • Senior Sales Manager, Taiping E-commerce Co., Ltd (Sep 2014 - Apr
2016) 2016)
• Head of Business Management Office, Ping An New Channel Remote • Head of Business Management Office, Ping An New Channel Remote
Loan Business Unit (Jul 2011 - Sep 2014) Loan Business Unit (Jul 2011 - Sep 2014)
• Operations Planning Specialist, Pan Asia Technical Automotive Center • Operations Planning Specialist, Pan Asia Technical Automotive
Co., Ltd (Jun 2008 - Jul 2011) Center Co., Ltd (Jun 2008 - Jul 2011)
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NEVIN
(XIE PENG)
● Chief Digital Technology
45 tahun
45 years old
Tiongkok
Tiongkok Citizen
Jakarta
DKI Jakarta, Indonesia
Riwayat Pendidikan | Educational Background
• S2 Project Management, Xi’An Jiao Tong University (2016) • Master of Project Management, Xi'An Jiao Tong University (2016)
• S1 Electronic Engineering, South China University of Technology, • Bachelor's Degree in Electronic Engineering, South China University
Electronic & Information College, China (2002) of Technology, Electronic & Information College, China (2002)
Sertifikasi | Certification
• Sertifikasi Manajemen Risiko Jenjang 5 • Level 5 Risk Management Certification
Riwayat Pekerjaan | Employment History
• Chief Digital Technology, PT Allo Bank Indonesia Tbk (Mar 2025 – • Chief Digital Technology, PT Allo Bank Indonesia Tbk (Mar 2025 –
sekarang) present)
• Chief Architect, Yusys Technologies PTE. LTD (Apr 2020 – Aug • Chief Architect, Yusys Technologies PTE. LTD (Apr 2020 – Aug
2024) 2024)
• Head of R&D, WeBank, Shenzhen (Aug 2018 – Apr 2020) • Head of R&D, WeBank, Shenzhen (Aug 2018 – Apr 2020)
• Associated Director, UBS AG, Hong Kong (Feb 2010 – Aug 2018) • Associated Director, UBS AG, Hong Kong (Feb 2010 – Aug 2018)
• Solution Consultant, Nomura, Hong Kong (Aug 2008 – Feb 2010) • Solution Consultant, Nomura, Hong Kong (Aug 2008 – Feb 2010)
• Solution Consultant, Owlet Co. Ltd., Guangzhou (Dec 2005 – Aug • Solution Consultant, Owlet Co. Ltd., Guangzhou (Dec 2005 – Aug
2008) 2008)
• Software Developer, Appeon Co., Ltd., Shenzhen (Oct 2004 – • Software Developer, Appeon Co., Ltd., Shenzhen (Oct 2004 –
Desember 2025) December 2025)
• Software Developer, Ping An Insurance Group (Feb 2002 – Oct • Software Developer, Ping An Insurance Group (Feb 2002 – Oct
2004) 2004)
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ANDRI ARIEF ARYANTO
SYAHMOEDI NOORMAN HALAWA
● Value Chain Division Head ● Cyber Risk Division Head ● Finance & Accounting
Division Head
WNI, 44 tahun WNI, 49 tahun
Indonesian citizen, 44 years old Indonesian citizen, 49 years old WNI, 49 tahun
Indonesian citizen, 49 years old
Beliau menjabat sebagai Value Chain Beliau menjabat sebagai Cyber Risk
Division Head. Sebelum bergabung Division Head sejak tahun 2023. Sebelum Beliau menjabat sebagai Finance &
dengan Allo Bank, pengalaman kerja bergabung dengan Allo Bank, beliau Accounting Division Head sejak tahun
beliau adalah sebagai Chief Product & memiliki pengalaman panjang dalam 2022. Sebelum bergabung dengan Allo
Operation Officer, PT Investree Radhika berbagai institusi perbankan dan teknologi Bank, beliau menjabat sebagai Finance,
Jaya (2020 - 2023). Head of Strategy, PT seperti Smartfren, HSBC, Citibank, dan Planning & Control Division Head, Bank
Sinar Mas Agro Resources & Technology SCB dengan spesialisasi IT Security, Harda International (2000 - 2022).
(SMART) Tbk (2019-2020). SME Business Governance, Risk dan Compliance.
Development Head, PT Bank Mandiri Beliau meraih gelar S-1 Akuntansi,
(Persero) Tbk (2005 - 2019). Beliau meraih gelar S-1 Teknik Komputer Universitas terbuka pada tahun 2022.
dari Institut Teknologi Sepuluh November
Beliau meraih gelar S-1 Teknik Industri, Surabaya pada tahun 2001. He has served as Finance & Accounting
Institut Teknologi Bandung (2005). Division Head since 2022. Prior to joining
He has served as Cyber Risk Division Head Allo Bank, he worked as Finance, Planning
He has served as Value Chain Division since 2023. Before joining Allo Bank, he & Control Division Head at Bank Harda
Head. Prior to joining Allo Bank, he worked gained extensive experience in banking International (2000 - 2022).
as Chief Product & Operation Officer and technology institutions, including
at PT Investree Radhika Jaya (2020 - Smartfren, HSBC, Citibank, and SCB, with He earned a Bachelor’s degree in
2023), Head of Strategy at PT Sinar Mas specializations in IT Security, Governance, Accounting from Open University in 2022.
Agro Resources & Technology (SMART) Risk, and Compliance.
Tbk (2019 - 2020), and SME Business
Development Head at PT Bank Mandiri He earned his Bachelor’s degree in
(Persero) Tbk (2005 - 2019). Computer Engineering from Sepuluh
November Institute of Technology,
He earned a Bachelor’s degree in Industrial Surabaya, in 2001.
Engineering from the Bandung Institute of
Technology in 2005.
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BAGUS RAZY BOMA WILLYARDO
SYABANDITA HARAHAP HALIM
HAKIM ● Digital Product Division Head
PARTAHI
● Treasury Division Head WNI, 38 tahun
Indonesian citizen, 38 years old NAPITUPULU
WNI, 29 tahun Beliau menjabat sebagai Digital Product ● Act. Internal Audit Division Head
Indonesian citizen, 29 years old Division Head sejak tahun 2022,
sebelumnya pernah menjabat posisi
Beliau menjabat sebagai Treasury Division WNI, 37 tahun
strategis meliputi Deputy General Manager,
Head sejak tahun 2022. Sebelumnya Indonesian citizen, 37 years old
Hutchison Tri Indonesia (2020 - 2022).
beliau tercatat pernah menjabat sebagai dan Product Marketing Lead, GOJEK (2017
Retail Sales Specialist, Bank Mega (2019 - Beliau menjabat sebagai Pelaksana Tugas
- 2019).
2020), dan Treasury Dealer, Bank Mega (Plt.) Kepala Divisi SKAI sejak tahun 2025.
(2019 - 2022), Sebelum bergabung dengan Allo Bank,
Beliau merupakan lulusan dari Delft
pengalaman kerja beliau adalah sebagai
University of Technology dengan gelar S-2
Beliau meraih gelar S-1 Manajemen, Internal Audit Senior Manager di PT Bank
Master of Science pada tahun 2014.
Universitas Brawijaya pada tahun 2017. Mizuho Indonesia (2023-2024), Internal
Audit Senior Manager di PT Bank OCBC
He has served as Digital Product Division
He has served as Treasury Division Head NISP Tbk (2017-2023), dan sebelumnya
Head since 2022. He previously held
since 2022. Previously, he worked as Retail bekerja sebagai Credit Analyst, Planning
strategic positions, including Deputy
Sales Specialist at Bank Mega (2019 - Investment Promotion Staffs, Relationship
General Manager at Hutchison Tri
2020) and Treasury Dealer at Bank Mega Manager, serta memulai karir sebagai
Indonesia (2019 - 2022) and Product
(2020 - 2022). Management Trainee di Bank of Tokyo
Marketing Lead at GOJEK (2017 - 2019).
- Mitsubishi UFJ (Saat ini MUFG Bank)
He earned a Bachelor’s degree in (2010 - 2017).
He graduated from Delft University of
Management from Brawijaya University in Technology with a Master of Science
2017. Beliau meraih gelar S-1 dari Universitas
degree in 2014.
Sumatera Utara (USU) pada tahun 2010.
He has served as Act. Internal Audit Head
since 2025. Before joining Allo Bank, his
working experience included roles as
Internal Audit Senior Manager at PT Bank
Mizuho Indonesia (2023 - 2024), Internal
Audit Senior Manager PT Bank OCBC
NISP Tbk (2017 - 2023), Credit Analyst
Staffs, Planning Investment Promotion
Staffs, Relationship Manager, and started
his career as Management Trainee at Bank
of Tokyo - Mitsubishi UFJ (currently named
MUFG Bank) (2010 - 2017).
He earned his Bachelor’s degree from
North Sumatera University (USU) in 2010.
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DANIEL DESTYA D. FAZLAN
LEONARDO PRADITYO ASQOLANI
NIKO ● Digital Strategy & Business
Division Head
● Customer Care Division Head
● Application Management WNI, 53 tahun
Division Head WNI, 40 tahun Indonesian citizen, 53 years old
Indonesian citizen, 40 years old
Beliau menjabat sebagai Customer Care
WNI, 39 tahun Beliau menjabat sebagai Digital Strategy Division Head sejak tahun 2022. Sebelum
Indonesian citizen, 39 years old & Business Division Head sejak tahun Jan bergabung dengan Allo Bank, pengalaman
2023. Sebelum bergabung dengan Allo kerja beliau adalah sebagai Transaction
Beliau menjabat sebagai Application Bank, pengalaman kerja beliau adalah Monitoring & Authorization Head, Bank
Management Division Head sejak tahun sebagai Managing Director, BTPN Syariah Mega (2004 - 2022), dan Payment
2023. Sebelum bergabung dengan Allo Ventura (Oktober 2021 - Desember Manager, Bank Permata (1997 - 2004).
Bank, pengalaman kerja beliau adalah 2022), Business Process Management
sebagai Information Technology Head, PT & Partnership Head, BTPN Syariah Beliau memiliki latar belakang pendidikan
Bank KEB Hana Indonesia (2014 - 2022), (September 2021 - Desember 2022), S-2 Administrasi Bisnis, Universitas Gadjah
Java Framework Engineer, Ewideplus Digital Product Innovation Head, OCBC Mada (2013).
Korea (2012 - 2014), dan Java Engineer, Indonesia (Maret 2019 - Agustus 2021) dan
Telkom Sigma (2008 - 2010). Director, OCBC NISP Ventura (Juli 2019 - He has served as Customer Care Division
November 2020) Head since 2022. Before joining Allo
Beliau meraih gelar S-2 Master of Bank, his work experience included roles
Engineering, Pukyong National University Beliau meraih gelar S-2 Financial as Transaction Monitoring & Authorization
(2012). Management, Institut Pertanian Bogor Head at Bank Mega (2004–2022) and
(2013). Payment Manager at Bank Permata (1997–
He has served as Application Management 2004).
Division Head since 2023. Before joining He has served as Digital Strategy & Business
Allo Bank, his roles included Information Division Head since January 2023. Prior to He earned a Master’s degree in Business
Technology Head at PT Bank KEB Hana joining Allo Bank, he held roles as Managing Administration from Gadjah Mada
Indonesia (2014 - 2022), Java Framework Director at BTPN Syariah Ventura (October University in 2013.
Engineer at Ewideplus Korea (2012 - 2014), 2021– December 2022), Business Process
and Java Engineer at Telkom Sigma (2008 Management & Partnership Head at BTPN
- 2010). Syariah (September 2021– December
2022), Digital Product Innovation Head at
He earned his Master of Engineering OCBC Indonesia (March 2019– August
degree from Pukyong National University 2021), and Director at OCBC NISP Ventura
in 2012. (July 2019– November 2020).
He earned his Master’s degree in Financial
Management from IPB University in 2013.
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ISWIBOWO JOKO
● IT Infrastructure, Operations &
Security Division Head YUNIARTO
WNI, 54 tahun
CONDRO
Indonesian citizen, 54 years old
● Credit Risk Division Head
Beliau menjabat sebagai IT Infrastructure,
Operations & Security Division Head sejak WNI, 48 tahun
tahun 2021. Sebelum bergabung dengan Indonesian citizen, 48 years old
Allo Bank, pengalaman kerja beliau adalah
sebagai IT Support Operation Specialist, Beliau menjabat sebagai Credit Risk
PT Bank Mega Tbk (2020-2021), dan IT Division Head sejak tahun 2022.
System Engineer & Data Center Operation Mengawali karir di Departemen Risk
Head, PT Wirecard Technologies Indonesia Management Citibank (2003) sebagai
(2018 - 2019), serta pada IT Bank Permata Credit Risk Officer, beliau melanjutkan
(1994 - 2018). karir di beberapa Institusi Keuangan antara
lain sebagai Credit Risk Policy Manager di
Beliau memiliki latar belakang pendidikan Standard Chartered Bank (2009), Head
S-1 Sistem Informasi, Universitas Budi of Product Development- Personal Loan,
Luhur (1998) dan D-4 Sistem Informasi, Bank CIMB Niaga (2015), Senior Consultant
UPN Veteran (1992). untuk Surya Menara Group (2015 - 2018),
dan Lead Business Development Program,
He has served as IT Infrastructure, PT SAA (2018 - 2022).
Operations & Security Division Head since
2021. Before joining Allo Bank, he worked Beliau memiliki latar belakang pendidikan
as IT Support Operation Specialist at PT S-1 Aeronatics Engineering ITB (2001)
Bank Mega Tbk (2020–2021), IT System & S-2 Magister Business Administration
Engineer & Data Center Operation Head Technology, ITB (2003).
at PT Wirecard Technologies Indonesia
(2018–2019), and in IT at Bank Permata He has served as Credit Risk Division
(1994–2018). Head since 2022. Starting his career in
the Risk Management Department of
He holds a Bachelor’s degree in Information Citibank (2003) as a Credit Risk Officer, he
Systems from Budi Luhur University (1998) continued in several financial institutions,
and a Diploma IV in Information Systems including as Credit Risk Policy Manager
from UPN Veteran (1992). at Standard Chartered Bank (2009),
Head of Product Development–Personal
Loan at Bank CIMB Niaga (2015), Senior
Consultant at Surya Menara Group (2015–
2018), and Lead Business Development
Program at PT SAA (2018–2022).
He holds a Bachelor’s degree in
Aeronautics Engineering (2001) from
Bandung Institute of Technology and a
Master’s degree in Business Administration
Technology (2003) from the Bandung
Institute of Technology.
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MARTINA MUHAMMAD MUHAMAD
LOLOATE J. FIKRI HUSNI
UJUNG ● Credit Review & Restructure
Division Head HUDAYA
● Credit Operations Division Head ● Branch Manager
WNI, 41 tahun
Indonesian citizen, 41 years old
WNI, 44 tahun WNI, 42 tahun
Indonesian citizen, 44 years old Indonesian citizen, 42 years old
Beliau menjabat sebagai CCredit Review
& Restructure Division Head sejak tahun
Beliau menjabat sebagai Credit Operations Beliau menjabat sebagai Branch Manager
2024. Sebelumnya beliau tercatat pernah
Division Head sejak tahun 2022. Sebelum sejak tahun 2023. Sebelum bergabung
menjabat sebagai VP Credit Analyst,
bergabung dengan Allo Bank, pengalaman dengan Allo Bank, pengalaman kerja beliau
Commonwealth Bank (2017 - 2021), Senior
kerja beliau adalah sebagai Credit Division adalah sebagai Branch Manager, Sub-
Credit Reviewer, Maybank Group (2016
Head, PT Bank Harda Internasional, Tbk Branch Manager, Kordinator Marketing dan
-2017), Head of Investment, Indonesia SIPF
(2016 - 2022), Credit Approval Manager, Marketing Bank Mega (2008-2023), dan
(2014 - 2016), Corporate Credit Analyst, PT
Operational Risk Management, PT Bank Personal Marketing Officer, Bank HSBC
Bank Negara Indonesia Tbk (2009 - 2014),
Danamon Indonesia Tbk (2005 - 2016), Syariah (2007-2008).
Investment Lecturer, Universitas Unika
dan Operation Officer, Bank Rakyat
Atma Jaya Jakarta (2009-2016).
Indonesia (2004). Beliau memiliki latar belakang pendidikan
S-1 Teknik Kimia, Universitas Islam
Beliau Meraih gelar S1 dan S2 Administrasi
Beliau memiliki latar belakang pendidikan Indonesia Yogyakarta.
Bisnis, dari Universitas Gadjah Mada pada
S-1 Sosial Ekonomi Pertanian, Universitas
tahun 2008.
Methodist Indonesia (2003). He has served as Branch Manager since
2023. Before joining Allo Bank, his work
He has served as Credit Review &
She has served as Credit Operations experience included roles as Branch
Restructure Division Head since 2024.
Division Head since 2022. Prior to joining Manager, Sub-Branch Manager, Marketing
Previously, he worked as VP Credit Analyst
Allo Bank, she worked as Credit Division Coordinator, and Marketing Officer at
at Commonwealth Bank (2017–2021),
Head at PT Bank Harda Internasional Tbk Bank Mega (2008–2023), and Personal
Senior Credit Reviewer at Maybank Group
(2016–2022), Credit Approval Manager Marketing Officer at Bank HSBC Syariah
(2016–2017), Head of Investment at
at Operational Risk Management, PT Bank (2007–2008).
Indonesia SIPF (2014–2016), Corporate
Danamon Indonesia Tbk (2005–2016),
Credit Analyst at PT Bank Negara Indonesia
and Operation Officer at Bank Rakyat He holds a Bachelor’s degree in Chemical
Tbk (2009–2014), and as an Investment
Indonesia (2004). Engineering from Universitas Islam
Lecturer at Unika Atma Jaya University
Indonesia Yogyakarta.
Jakarta (2009–2016).
She earned a Bachelor’s degree in
Agricultural Socioeconomics from
He earned both his Bachelor’s and Master’s
Methodist University of Indonesia in 2003.
degrees in Business Administration from
Gadjah Mada University in 2008.
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NANDY NETTY PANJI
CHARY DELIMA PERMANA
● Branch Manager
SIMANJUNTAK ● Network Operations Head
WNI, 52 tahun ● Human Capital Strategy & WNI, 45 tahun
Indonesian citizen, 52 years old Services Head Indonesian citizen, 45 years old
Beliau menjabat sebagai Branch Manager Beliau menjabat sebagai Network
sejak tahun 2022. Sebelum bergabung WNI, 49 tahun Operations Head sejak tahun 2022.
dengan Allo Bank, pengalaman kerja Indonesian citizen, 49 years old Sebelum bergabung dengan Allo Bank,
beliau adalah sebagai WFB Team Leader, pengalaman kerja beliau adalah sebagai
Bank BTPN (2010 - 2022), dan Relationship Beliau menjabat sebagai Head of Human E-Channel Reconciliation & Settlement
Manager Commercial, Bank UOB (2009 Capital & Strategy Services sejak tahun Head, Bank Mega (2016 - 2022), dan
-2010). 2023. Sebelum bergabung dengan Product Development (AJK) - Insurance
Allo Bank, pengalaman kerja beliau Business (bancassurance), Bank CIMB
Beliau memiliki latar belakang pendidikan terkait dunia HR adalah sebagai Experd Niaga (2014 - 2016).
S-1 Manajemen, Universitas Pancasila Consultant (2001 - 2006) dan Hutchison
(1998). CP Telecommunication (2006 - 2008), Beliau memiliki latar belakang pendidikan
Adira Dinamika Multi Finance (2008 - D-3 Manajemen Informatika, Universitas
He has served as Branch Manager since 2012) dan Dinamika Talenta Consultant Gunadarma (2001).
2022. Before joining Allo Bank, his work (2012 - 2014) sebelum bergabung ke
experience included roles as WFB Team dalam industri perbankan di Bank CTBC He has served as Network Operations
Leader at Bank BTPN (2010–2022) and Indonesia (2014 - 2017) dan Bank Mega Head since 2022. Before joining Allo
Relationship Manager Commercial at Bank (2017 - 2023). Bank, his work experience included roles
UOB (2009–2010). as E-Channel Reconciliation & Settlement
Beliau memiliki latar belakang pendidikan Head at Bank Mega (2016–2022) and
He earned a Bachelor’s degree in terakhir S-2 Psikologi (Profesi) dari Product Development (AJK)–Insurance
Management from Pancasila University in Universitas Indonesia (2001). Business (bancassurance) at Bank CIMB
1998. Niaga (2014–2016).
She has served as Head of Human Capital
Strategy & Services since 2023. Before He holds a Diploma III in Informatics
joining Allo Bank, she worked in various Management from Gunadarma University
HR-related roles, including at Experd (2001).
Consultant (2001–2006), Hutchison CP
Telecommunication (2006–2008), Adira
Dinamika Multi Finance (2008–2012), and
Dinamika Talenta Consultant (2012–2014).
She later transitioned to the banking sector
with roles at Bank CTBC Indonesia (2014–
2017) and Bank Mega (2017–2023).
She earned a Master’s degree in
Psychology (Profession) from the University
of Indonesia in 2001.
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RAJA RIA SARI RICKY
PARDEDE SIDABUTAR ANSEN
● Wholesale Credit Division Head ● Legal Head ● Digital Retail Lending
Group Head
WNI, 64 tahun WNI, 55 tahun
Indonesian citizen, 64 years old Indonesian citizen, 55 years old WNI, 37 tahun
Indonesian citizen, 37 years old
Beliau menjabat sebagai Wholesale Credit Beliau menjabat sebagai Legal Head sejak
Division Head sejak tahun 2022. Sebelum tahun 2024, sebelumnya beliau tercatat Beliau menjabat sebagai Digital Retail
bergabung dengan Allo Bank, pengalaman pernah menjabat sebagai Legal Head Lending Group Head sejak tahun 2022.
kerja beliau adalah sebagai National Credit Bank Ina Perdana 2018 - 2022), Legal Sebelum bergabung dengan Allo Bank,
Review, Restructure & CO Head, Bank Head Bank Victoria (2014 - 2016), Legal pengalaman kerja beliau adalah sebagai
Mega (1999 - 2022), Group Head BPS Head Tugu Reasuransi (2013 - 2014), dan Digital Banking Consumer Lending Lead,
(Bank Papan Sejahtera) (1996 - 1999), Team Regional Legal Manager Bank Mega (2007 BTPN (2018 - 2021), Incentive Management
Leader BII (Bank International Indonesia) - 2013). Head, Bank CIMB Niaga (2017 - 2018), dan
(1990 - 1996), dan Satuan Pengawasan berbagai posisi di Credit Card Business,
Intern (SPI) BPPT (Badan Pengkajian dan Beliau meraih gelar S1 Hukum di Universitas Bank Mega (2011 - 2017).
Penarapan Teknologi) (1987 - 1989). Trisakti (1995) dan S2 Magister Notariat
Universitas Jayabaya (2018). Beliau adalah lulusan S-1 Bachelor of Arts,
Beliau memiliki latar belakang pendidikan Inti International University (2009).
S-2 Administrasi Bisnis, Asian Institute of She has served as Legal Head since 2024.
Management (2009). Previously, she worked as Legal Head at He has served as Digital Retail Lending
Bank Ina Perdana (2018–2022), Legal Group Head since 2022. Prior to joining
He has served as Wholesale Credit Division Head at Bank Victoria (2014–2016), Legal Allo Bank, he worked as Digital Banking
Head since 2022. Before joining Allo Bank, Head at Tugu Reasuransi (2013–2014), Consumer Lending Lead at BTPN (2018–
his work experience included roles as and Regional Legal Manager at Bank Mega 2021), Incentive Management Head at
National Credit Review, Restructure & CO (2007– 2013). Bank CIMB Niaga (2017–2018), and
Head at Bank Mega (1999–2022), Group in various positions in the Credit Card
Head at BPS (Bank Papan Sejahtera) She earned a Bachelor’s degree in Law Business at Bank Mega (2011–2017).
(1996–1999), Team Leader at BII (Bank from Trisakti University (1995) and a Maste’s
International Indonesia) (1990–1996), and degree in Notary Studies from Jayabaya He earned a Bachelor of Arts degree from
Internal Audit Unit (SPI) at BPPT (Agency University (2018). Inti International University in 2009.
for the Assessment and Application of
Technology) (1987–1989).
He holds a Master’s degree in Business
Administration from the Asian Institute of
Management (2009).
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RULLY RUMIRIS SANDRA
FERANATA FOURYENTINA PRAMITA
● IT Strategy &
Governance Division Head SINAGA SARI
● Business Planning, Facility & ● Policy, Procedure & Process
WNI, 44 tahun Vendor Management Management Division Head
Indonesian citizen, 44 years old Division Head
Beliau menjabat sebagai IT Strategy & WNI, 36 tahun
Governance Division Head sejak tahun WNI, 53 tahun Indonesian citizen, 36 years old
2022. Sebelum bergabung dengan Allo Indonesian citizen, 53 years old
Bank, pengalaman kerja beliau adalah Beliau menjabat sebagai Policy, Procedure
sebagai Department Head IT Strategy & Beliau menjabat sebagai Business & Process Management Division Head
Enterprise Architecture PT Bank Danamon Planning, Facility & Vendor Management sejak tahun 2022. Pengalaman bekerja
Indonesia Tbk (2021 - 2022), dan Senior Division Head sejak tahun 2023. Sebelum sebelumnya di Bank Mega sejak tahun
Lead Enterprise Architecture PT Bank bergabung dengan Allo Bank, pengalaman 2011 - 2022 dengan berbagai macam
Mandiri Tbk (2013 - 2021). kerja beliau adalah sebagai Operational jabatan. Posisi terakhir adalah Process
Planning & Performance Management, Improvement Head.
Latar belakang pendidikan terakhir beliau PT Bank Maybank Indonesia Tbk. (2019 -
adalah S-2 Magister Manajemen Fakultas 2023), dan Change Management Office Latar belakang pendidikan terakhir beliau
Ekonomi dan Bisnis dari Universitas Head, PT Bank QNB Indonesia Tbk. (2016 adalah S-1 Manajemen, Universitas Trisakti
Indonesia (2018). - 2019). (2011).
He has served as IT Strategy & Governance Latar belakang pendidikan terakhir She has served as Policy, Procedure &
Division Head since 2022. Prior to joining beliau adalah S-1 Akunting, Universitas Process Management Division Head since
Allo Bank, he worked as Department Head Gunadarma (1996). 2022. Her prior work experience includes
of IT Strategy & Enterprise Architecture various positions at Bank Mega from 2011
at PT Bank Danamon Indonesia Tbk She has served as Business Planning, to 2022, with her last role being Process
(2021–2022) and Senior Lead Enterprise Facility & Vendor Management Division Improvement Head.
Architecture at PT Bank Mandiri Tbk Head since 2023. Before joining Allo Bank,
(2013–2021). she worked as Operational Planning & She holds a Bachelor’s degree in
Performance Management at PT Bank Management from Trisakti University (2011).
He earned a Master’s degree in Maybank Indonesia Tbk (2019–2023) and
Management from the Faculty of as Change Management Office Head at PT
Economics and Business, University of Bank QNB Indonesia Tbk (2016–2019).
Indonesia, in 2018.
She earned a Bachelor’s degree in
Accounting from Gunadarma University in
1996.
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SONYA VIRNA
ROSMALA MEDINA
● Collection & Recovery ● Enterprise Operational & Market
Division Head Risk Division Head
WNI, 44 tahun WNI, 50 tahun
Indonesian citizen, 44 years old Indonesian citizen, 50 years old
Beliau menjabat sebagai Collection & Beliau menjabat sebagai Enterprise
Recovery Division Head sejak tahun 2022. Operational & Market Risk Division Head
Sebelum bergabung dengan Allo Bank, sejak tahun 2021. Sebelum bergabung
pengalaman kerja beliau adalah sebagai dengan Allo Bank, pengalaman kerja
Dunner Back End Head, Bank Mega (2004 beliau adalah sebagai Head of Risk &
- 2022). Fraud Management, PT. Payfazz Teknologi
Nusantara (2020 -2021), dan Operational
Latar belakang pendidikan terakhir beliau Risk Management Head, Bank UOB (2015
adalah S-1 Manajemen Perusahaan, - 2020).
Universitas Nasional (2003).
Latar belakang pendidikan terakhir beliau
She has served as Collection & Recovery adalah lulusan S-2 Studi Pembangunan,
Division Head since 2022. Before joining Institut Teknologi Bandung (2001).
Allo Bank, her work experience included
serving as Dunner Back End Head at Bank She has served as Enterprise Operational
Mega (2004– 2022). & Market Risk Division Head since 2021.
Before joining Allo Bank, she worked as
She holds a Bachelor’s degree in Corporate Head of Risk & Fraud Management at PT
Management from National University Payfazz Teknologi Nusantara (2020–2021)
(2003). and Operational Risk Management Head
at Bank UOB (2015–2020).
She earned a Master’s degree in
Development Studies from the Bandung
Institute of Technology (2001).
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Sumber Daya
Manusia
● Human Resources
Bank senantiasa menempatkan Sumber The Bank always places Human
Daya Manusia (SDM) sebagai elemen Resources (HR) as an important
penting sekaligus mitra strategis element and strategic partner in
dalam menjalankan kegiatan usaha. carrying out business activities. The
Pengelolaan dan pengembangan Bank's HR competency management
kompetensi SDM yang dilakukan oleh and development are also aimed at
Bank juga ditujukan untuk merespon responding to business challenges and
tantangan bisnis, serta memastikan ensuring that strategic positions within
terpenuhinya posisi strategis di the organization are filled according to
organisasi yang sesuai dengan required competencies. Through this
kompetensi yang dibutuhkan. Melalui initiative, the Company believes that
langkah ini, Perseroan percaya bahwa competent HR can support the Bank
SDM yang kompeten dapat mendorong in maintaining its position amidst the
Bank dalam mempertahankan posisi di ever-growing demands of the banking
tengah tuntutan industri perbankan yang industry and achieving its vision, mission,
terus berkembang serta meraih visi, misi, and strategic objectives.
dan tujuan strategis perusahaan.
Demografi Karyawan Per 31 Desember 2025, jumlah As of December 31, 2025, the Bank's
karyawan Bank adalah sebanyak 538 total number of employees was 538
Employee
orang dengan komposisi sebanyak persons, with a composition of 78%
Demographics 78% karyawan permanen. Jumlah ini permanent employees. This number has
mengalami peningkatan sebesar 12% has increased by 12% compared to 2024
dibanding tahun 2024 secara bankwide. bankwide. This increase is intended to
Peningkatan ini ditujukan untuk optimize the Bank's performance.
mengoptimalkan kinerja bisnis Bank.
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Untuk memastikan perkembangan bisnis yang To ensure sustainable business development, the Bank
berkesinambungan, Bank senantiasa mengelola SDM secara consistently manages its human resources comprehensively,
menyeluruh, mulai dari proses penerimaan, penilaian kinerja, starting from the recruitment process, performance assessment,
remunerasi, dan pengembangan karier bagi seluruh karyawan remuneration, and career development for all employees
tanpa membedakan suku, agama, ras, golongan, jenis kelamin, without distinction of ethnicity, religion, race, social class,
dan kondisi fisik yang bersangkutan. Adapun demografi gender, or physical condition. The employee demographics in
karyawan dalam beberapa tahun terakhir dapat dilihat sebagai recent years can be seen below:
berikut:
Pergerakan Jumlah Karyawan Tahun 2024-2025
Changes in the Number of Employees 2024-2025
538
475
● 2025 2024
Demografi Karyawan Berdasarkan Level Organisasi
Employee Demographics by Organizational Level
2025 2024
Level Organisasi
Organizational Level Jumlah Komposisi Jumlah Komposisi
Number of People Composition Number of People Composition
Orang | Individuals
Komisaris 3 0,56% 3 0,63%
Commissioners
Anggota Komite Dewan Komisaris 2 0,37% 2 0,42%
Board of Commissioners Committee
members
Direktur 3 0,56% 5 1,05%
Directors
Pejabat Eksekutif 30 5,58% 32 6,74%
Executive Officers
Kepala Bagian 19 3,53% 58 12,21%
Unit Leaders
Supervisor 26 4,83% 141 29,68%
Staf/Officer 455 84,57% 234 49,26%
Staff/Officers
Jumlah 538 100,00% 475 100,00%
Total
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Demografi Karyawan Berdasarkan Tingkat Pendidikan
Employee Demographics Based on Educational Level
2025 2024
Tingkat Pendidikan
Education level Jumlah Komposisi Jumlah Komposisi
Number of People Composition Number of People Composition
Orang | Individuals
Pascasarjana 49 9,11% 48 10,11%
Post Graduate
Sarjana 435 80,86% 375 78,95%
Bachelor’s Degree
Diploma 39 7,25% 35 7,37%
Associate’s Degree
Non-Diploma 15 2,79% 17 3,58%
Non-Associate’s Degree
Jumlah 538 100,00% 475 100,00%
Total
Demografi Karyawan Berdasarkan Status Kepegawaian
Employee Demographics Based on Employment Status
2025 2024
Status Kepegawaian
Employee Status Jumlah Komposisi Jumlah Komposisi
Number of People Composition Number of People Composition
Orang | Individuals
Karyawan Tetap 420 78,07% 371 78,11%
Permanent Employees
Karyawan Kontrak 118 21,93% 104 21,89%
Contract Employees
Jumlah Karyawan 538 100,00% 475 100,00%
(Tidak Termasuk Outsource)
Total Number of Employees
(Outsourced Employees Excluded)
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Demografi Karyawan Berdasarkan Rentang Usia
Employee Demographics Based on Age
2025 2024
Rentang Usia
Age Jumlah Komposisi Jumlah Komposisi
Number of People Composition Number of People Composition
Orang | Individuals
< 25 tahun 94 17,47% 98 20,63%
< 25 years old
26 s/d 30 tahun 166 30,86% 141 29,68%
26 to 30 years old
31 s/d 40 tahun 193 35,87% 158 33,26%
31 to 40 years old
41 s/d 50 tahun 68 12,64% 58 12,21%
41 to 50 years old
> 50 tahun 17 3,16% 20 4,21%
> 50 years old
Jumlah 538 100,00% 475 100,00%
Total
Demografi Karyawan Berdasarkan Jenis Kelamin
Employee Demographics Based on Gender
2025 2024
Jenis Kelamin
Gender Jumlah Komposisi Jumlah Komposisi
Number of People Composition Number of People Composition
Orang | Individuals
Laki-laki 349 64,87% 302 63,58%
Male
Perempuan 189 35,13% 173 36,42%
Female
Jumlah 538 100,00% 475 100,00%
Total
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Pengelolaan dan Pengembangan
Kompetensi Karyawan
● Employee Competency Management and Development
Pengembangan Dalam rangka membangun tim The Bank is committed to cultivating
dan karyawan yang berkualitas dan a qualified and professional team and
Kompetensi Karyawan
profesional dalam menghadapi kondisi employees to address dynamic business
Tahun 2025
bisnis yang dinamis, Bank secara conditions by consistently implementing
Competency konsisten melaksanakan program employee education and development
Development in 2025 pendidikan dan pengembangan programs. This aims to enhance
karyawan. Hal tersebut bertujuan competitiveness in the face of industry
untuk meningkatkan daya saing dalam developments and to improve the
menghadapi perkembangan industri Bank's work efficiency and productivity.
serta untuk meningkatkan efisiensi These efforts are also believed to
dan produktivitas kerja Bank. Upaya ini develop the skills and competencies
juga diyakini mampu mengembangkan of each employee to meet increasingly
kemampuan dan kompetensi competitive business challenges.
masing-masing karyawan agar dapat
menghadapi tantangan bisnis yang
semakin kompetitif.
Bank secara konsisten merancang dan The Bank consistently designs and
melaksanakan program pengembangan implements competency development
kompetensi melalui kegiatan pelatihan programs through training and
maupun sertifikasi bagi seluruh certification activities for all employees.
karyawan. Program ini ditujukan untuk These programs aim to improve hard
meningkatkan hard skills dan soft skills and soft skills, while considering
dengan memperhatikan strategi dalam business development strategies, so that
mengembangkan bisnis agar seluruh all employees are prepared to face the
karyawan dapat siap menghadapi increasingly fierce competition in the
persaingan di industri perbankan yang banking industry.
semakin ketat.
Allo Bank memberikan kesempatan Allo Bank provides equal opportunities
yang sama kepada seluruh pekerja for all employees to create an innovative
untuk bisa mewujudkan organisasi yang and adaptable organization by providing
inovatif dan adaptif terhadap perubahan all employees with opportunities to
dengan memberikan seluruh karyawan improve their quality and capacity. The
kesempatan dalam meningkatkan training programs implemented can
kualitas dan kapasitasnya. Program be directly related to work functions
pelatihan yang dilaksanakan dapat in business units and support units,
berkaitan langsung dengan fungsi including training in understanding
kerja di unit bisnis dan unit pendukung, various modules related to regulatory
termasuk pelatihan dalam memahami procedures and policies. The Bank also
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berbagai modul yang terkait prosedur dan kebijakan dari regularly conducts training on AML-CFT & PPPSPM, anti-fraud
Regulator. Bank juga secara rutin telah menyelenggarakan strategies, and customer complaint handling and resolution
pelatihan APU-PPT & PPPSPM, strategi anti-fraud serta to provide up-to-date insights regarding banking cases, new
penanganan dan penyelesaian pengaduan nasabah agar dapat procedures, and policies.
memberikan wawasan terkini terkait dengan kasus perbankan,
prosedur dan kebijakan baru.
Selain melakukan pelatihan, Bank juga melakukan pemantauan In addition to training, the Bank also consistently ensures that it
secara berkala terhadap pemenuhan sertifikasi kompetensi has fulfilled required competency certifications and maintained
yang dipersyaratkan dan pemeliharaan sertifikasi kompetensi competency certifications relevant to its respective fields, such
sesuai dengan bidangnya, seperti Sertifikasi Manajemen Risiko as Risk Management Certification (SMR), Payment System and
(SMR), Sistem Pembayaran dan Pengelolaan Uang Rupiah Rupiah Money Management (SPPUR), Treasury Certification,
(SPPUR), Sertifikasi Tresuri, serta sertifikasi lain sesuai dengan and other required certifications, including certifications in IT,
kebutuhan di antaranya sertifikasi di bidang IT, Kepatuhan, Compliance, Cyber, and Audit.
Siber, dan Audit.
Seluruh karyawan Allo Bank didorong untuk memiliki integritas All Allo Bank employees are encouraged to maintain high
yang tinggi, agility dalam bekerja dengan berpegang kepada integrity and agility in their work, adhering to the Bank's Core
nilai-nilai Inti Bank sebagai pedoman perilaku sehari-hari. Selain Values as a guideline for daily behavior. Furthermore, all HR
itu, seluruh proses pengelolaan SDM di Allo Bank dilandasi management processes at Allo Bank are based on laws and
pada peraturan perundang-undangan dan best practices pada regulations and best practices in HR management. This
pengelolaan SDM. Komitmen-komitmen tersebut dibuktikan commitment is demonstrated by the implementation of HR
dengan penyelenggaraan pelatihan dan pengembangan SDM training and development programs, which are conducted in
yang dilakukan dengan mengacu pada kerangka pelatihan dan accordance with the training and development framework of
pengembangan Standar Kompetensi Kerja Nasional Indonesia the Indonesian National Work Competency Standards (SKKNI)
(SKKNI) dan Kerangka Kerja Nasional Indonesia (KKNI) yang and the Indonesian National Framework (KKNI) applicable to
berlaku untuk Perbankan dan Jasa Keuangan. Banking and Financial Services.
Sepanjang tahun 2025, Bank telah menyelenggarakan berbagai Throughout 2025, the Bank has conducted various education
program pendidikan dan pelatihan kepada 476 karyawan atau and training programs for 476 employees or 88% of the total
88% dari jumlah karyawan. Adapun rincian jumlah karyawan number of employees. The details of the number of employees
dan jumlah jam pelatihan yang diterima oleh masing-masing and the number of training hours received by each employee
karyawan dapat dilihat sebagai berikut: can be seen as follows:
Jumlah Jam Pelatihan
Jumlah Karyawan Jumlah Jam Pelatihan Jumlah Partisipan Pelatihan
per Karyawan
Total Employees Number of Training Hours Number of Participants
Training Hours per Employee
538 12.750 27 476
Dalam melaksanakan program pengembangan kompetensi In implementing the competency development program,
ini, Bank telah mengalokasikan anggaran pengembangan the Bank has allocated an annual employee competency
kompetensi karyawan setiap tahunnya. Sejalan dengan development budget. In line with the Bank's employee growth
pertumbuhan karyawan Bank dan dinamika bisnis yang and growing business dynamics, the Bank has realized
berkembang, Bank telah merealisasikan biaya pengembangan competency development costs of IDR5,269,471,513 in 2025, an
kompetensi sebesar Rp5.269.471.513 di tahun 2025, meningkat increase of 8,57% from the previous year of IDR4,853,358,083.
8,57% dari tahun sebelumnya yang sebesar Rp4.853.358.083. The Bank's competency development costs in the last 2 (two)
Biaya pengembangan kompetensi Bank dalam 2 (dua) tahun years can be seen as follows:
terakhir dapat dilihat sebagai berikut:
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Perbandingan Realisasi 2025 dan 2024
Uraian Comparison of 2025 and 2024
2025 2024
Description Selisih Persentase
Difference Percentage
Pengembangan Kompetensi 5.269.471.513 4.853.358.083 416.113.430 8,57%
Competency Development
Perbandingan Biaya Pengembangan Kualitas SDM Allo Bank
Comparison of Competency Development Costs
5.269.471.513
4.853.358.083
● 2025 2024
Kebijakan dan Pelaksanaan Rekrutmen Karyawan
Employee Recruitment Policy and Implementation
Selaras dengan perkembangan industri perbankan dan With the development in the banking industry and increase in
kebutuhan, Bank senantiasa merekrut SDM yang profesional, needs, the Bank consistently recruits professional, dedicated,
berdedikasi tinggi, disiplin, tangguh terhadap tantangan, disciplined, resilient, adaptable, and competent human
mudah beradaptasi, dan memiliki kompetensi unggul. Dengan resources. The recruitment process, including both experienced
proses penerimaan atau rekrutmen karyawan baik yang sudah professional and fresh graduates, is conducted professionally, in
berpengalaman maupun fresh graduate, secara profesional accordance with the company's fields. The Bank's recruitment
sesuai dengan bidang-bidang yang ada dalam perusahaan. process begins with the HR planning stage, which involves
Bank melakukan proses rekrutmen mulai dari tahap identifying and evaluating human resource needs and profiles to
perencanaan SDM yang merupakan proses identifikasi dan support the achievement of the Bank's goals. The HR planning
evaluasi untuk menghitung kebutuhan beserta profil SDM untuk process takes into account various aspects, such as business
mendukung pencapaian tujuan Bank. Proses perencanaan growth, employee preparation for retirement, promotions/
SDM ini dilakukan dengan mempertimbangkan berbagai aspek, transfers/rotations, and employee turnover.
seperti pertumbuhan bisnis, persiapan karyawan yang pensiun,
karyawan yang promosi/mutasi/rotasi, dan turnover karyawan.
Faktor integritas dan rekam jejak juga menjadi perhatian In addition to the skills and competencies of prospective
penting selain keterampilan dan kompetensi yang dimiliki calon employees, integrity and track record also serve as determining
karyawan. Bank secara konsisten menerapkan kebijakan Know factors. To this end, the Bank consistently implements a Know
Your Employee (KYE) pada tahap seleksi dan proses rekrutmen Your Employee (KYE) policy throughout the selection and
seluruh karyawan. recruitment process for all employees.
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Penilaian Kinerja dan Potensi Karyawan
Performance and Potential Assessment of Employee
Bank secara rutin melakukan penilaian (assessment) kepada The Bank regularly conducts assessments of all employees
seluruh karyawan dalam rangka menggali potensi dan talenta to explore their potential and talents, which can support the
karyawan yang dapat mendukung pencapaian tujuan yang achievement of established goals. These assessments also
telah ditetapkan. Assessment ini juga berperan sebagai dasar serve as the basis for determining the development and filling
dalam menentukan pengembangan dan pengisian kebutuhan of the company's organizational needs. In conducting these
organisasi perusahaan. Dalam melakukan assessment tersebut, assessments, the Bank has designed Objective & Key Results
Bank telah merancang Objective & Key Result (OKR), penetapan (OKR), set targets, measured their realization, and monitored
target, pengukuran realisasi, serta monitoring realisasinya. their implementation. Employee performance and competency
Penilaian kinerja dan kompetensi karyawan kemudian digunakan assessments are then used to determine remuneration and
sebagai pertimbangan atas remunerasi dan pengembangan employee development, which are conducted fairly and
karyawan yang dilakukan secara adil dan transparan sesuai transparently in accordance with applicable regulations.
dengan ketentuan yang berlaku.
Kesejahteraan Karyawan
Employee Welfare
Menyadari pentingnya talenta yang andal, loyal, dan kompeten Recognizing the importance of reliable, loyal, and competent
di tengah kondisi bisnis yang dinamis dan persaingan ketat, talent amidst dynamic business conditions and intense
Bank senantiasa memastikan pengelolaan SDM dapat competition, the Bank consistently ensures appropriate human
dilakukan secara tepat. Upaya ini bertujuan untuk memastikan resource management. This effort aims to ensure that all of the
seluruh talenta Bank memiliki kualitas yang baik dan adaptif di Bank's talent is high-quality and adaptable in all conditions,
segala kondisi sehingga dapat mengakselerasi pencapaian visi thereby accelerating the achievement of the Bank's vision and
dan misi Bank. mission.
Agar dapat mencapai tujuan tersebut, Bank berupaya To achieve this goal, the Bank strives to ensure employee
untuk memastikan terwujudnya kesejahteraan karyawan welfare as a form of appreciation for employee contributions
sebagai bentuk apresiasi terhadap kontribusi karyawan atas to the Bank's performance. The Bank believes that appropriate
pencapaian kinerja Bank. Bank percaya bahwa kesejahteraan employee welfare encourages employees to optimize
karyawan yang memadai mampu mendorong karyawan untuk their abilities in accordance with their assigned duties and
mengoptimalkan kemampuannya sesuai dengan tugas dan responsibilities.
tanggung jawab yang diemban.
Pada pelaksanaannya, program peningkatan kesejahteraan In practice, the Bank's employee welfare improvement program
karyawan yang diterapkan oleh Bank, meliputi remunerasi includes competitive remuneration and awards commensurate
yang kompetitif dan penghargaan sesuai dengan kontribusi with contributions to the Bank. Remuneration received by
yang diberikan kepada Bank. Remunerasi yang diterima oleh employees includes salaries that meet regional minimum wage
karyawan dapat berupa gaji yang telah memenuhi standar standards, opportunities for education and training, and various
upah minimum regional, kesempatan mengikuti pendidikan other employee welfare benefits, such as health insurance, old-
dan pelatihan, serta berbagai fasilitas penunjang kesejahteraan age security, and others.
karyawan lain, seperti jaminan kesehatan, jaminan hari tua, dan
lain-lain.
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Struktur dan Komposisi
Pemegang Saham
● Shareholders Composition
Komposisi Kepemilikan Saham
Composition of Share Ownership of Allo Bank
2025 2024
Pemegang Saham Persentase Persentase
Shareholder Jumlah Saham Kepemilikan Saham Jumlah Saham Kepemilikan Saham
Total Shares Percentage of Share Total Shares Percentage of Share
Ownership Ownership
PT Mega Corpora 13.228.508.531 60,9% 13.228.508.531 60,9%
PT Bukalapak.com Tbk 2.497.816.903 11,5% 2.497.816.903 11,5%
Abadi Investments Pte Ltd 1.521.117.930 7% 1.521.117.930 7%
PT Indolife Investama Perkasa 1.303.815.386 6% 1.303.815.386 6%
Masyarakat (di bawah 5%) 3.178.997.692 14,2% 3.178.997.692 14,6%
Public (below 5%)
Saham Treasury 90.390.800 0,4% 0 0%
Treasury Stock
Jumlah 21.730.256.442 100,00% 21.730.256.442 100,00%
Total
14,2%
● Masyarakat (di bawah 5%)
Public (below 5%)
0,4%
60,9%
● Treasury Stock
6% ● PT Mega Corpora
● PT Indolife Investama Perkasa
7%
● Abadi Investments Pte. Ltd.
11,5%
● PT Bukalapak.com Tbk
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Kepemilikan Saham Allo Bank oleh Dewan Komisaris dan Direksi
Share Ownership of Allo Bank by the Board of Commissioners and the Board of Directors
2025 2024
Persentase Persentase
Nama Jabatan Kepemilikan Kepemilikan
Name Position Jumlah Saham Saham Jumlah Saham Saham
Total Shares Percentage of Total Shares Percentage of
Share Share
Ownership Ownership
Aviliani Komisaris Utama Independen - - - -
Independent President
Commissioner
Rosmaya Komisaris Independen - - - -
Independent Commissioner
Ali Gunawan Komisaris 10.238.900 0,047% 10.067.300 0,046%
Commissioner
Ari Yanuanto Plt. Direktur Utama; Direktur Keuangan, - - - -
Asah Operasional & Human Capital
Acting President Director; Finance,
Operations & Human Capital Director
Ganda Direktur Risiko, Kepatuhan & Hukum 85.784 0,00% 62.884 0,00%
Raharja Rusli Risk, Compliance & Legal Director
Sajal Direktur Digital - - - -
Bhatnagar Digital Director
Jumlah 10.324.684 0,047% 10.630.184 0,046%
Total
Rincian Komposisi Pemegang Saham Allo Bank Berdasarkan Status
Details of Allo Bank Shareholders Composition Based on Status
2025 2024
Persentase Persentase
Pemegang Saham Jumlah Kepemilikan Jumlah Kepemilikan
Jumlah Jumlah
Shareholder Lembar Saham Lembar Saham
Investor Investor
Saham Percentage Saham Percentage
Total Investors Total Investors
Total Shares of Share Total Shares of Share
Ownership Ownership
Pemodal Nasional
National Investor
Kepemilikan Institusi Lokal 60 18.160.383.707 83,57% 54 18.057.241.574 83,10%
Investor of Local Institutions
Kepemilikan Individu Lokal 10.692 1.111.377.083 5,11% 15.116 1.196.665.227 5,51
Investor of Local Individual
Pemodal Asing
Foreign Investor
Kepemilikan Institusi Asing 34 2.457.535.284 11,31% 20 37.095.154 0,17%
Investor of Foreign Institutions
Kepemilikan Individu Asing 13 805.797 0,004% 27 2.439.254.487 11,22%
Investor of Foreign Individual
Jumlah Keseluruhan 10.799 21.730.256.442 100,00% 15.217 21.730.256.442 100,00%
Total
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Informasi tentang Pemegang Saham Utama/Pengendali Hingga Nama Pemilik Akhir
Information on Major/Controlling Shareholders Up to Last Owner
PT Mega Corpora merupakan pemegang saham pengendali PT Mega Corpora is the Bank's controlling shareholder after
Bank setelah melakukan pengambilalihan saham sebesar acquiring 73.71% (seventy-three point seventy-one percent)
73,71% (tujuh puluh tiga koma tujuh puluh satu persen) dari of the Bank's issued and paid-up capital on March 15, 2021.
modal ditempatkan dan disetor Bank pada 15 Maret 2021. Subsequently, the Bank transformed its business model from
Kemudian, Bank melakukan perubahan model bisnis dari bank a conventional bank to a digital-based commercial bank with
konvensional menjadi bank umum berbasis digital dengan support from business units within the CT Corpora ecosystem.
dukungan dari unit-unit usaha dalam ekosistem CT Corpora. On May 31, 2021, after PT Mega Corpora conducted a
Pada tanggal 31 Mei 2021 setelah PT Mega Corpora melakukan Mandatory Tender Offer, its share ownership in the Bank
Penawaran Tender Wajib, maka kepemilikan saham dalam Bank increased to 90.00% (ninety percent).
menjadi sebesar 90,00% (sembilan puluh persen).
Perseroan melakukan Penawaran Umum Terbatas (PUT) II The Company conducted a Limited Public Offering (PUT) II
dalam rangka penambahan modal dengan menerbitkan to increase capital by issuing Pre-emptive Rights (HMETD) to
Hak Memesan Efek Terlebih Dahulu (HMETD) kepada para the Company's shareholders totaling 7,498,501,776 registered
pemegang saham Perseroan sebanyak 7.498.501.776 saham common shares, representing 64.18% of the Company's issued
biasa atas nama atau sebesar 64,18% dari modal ditempatkan and fully paid-up capital after the PUT II, with a nominal value of
dan disetor penuh Perseroan setelah PUT II dengan nilai IDR100 per share and an exercise price of IDR100. Therefore,
nominal Rp100,- setiap saham dengan harga pelaksanaan the total funds received by the Company from this PUT II
Rp100,-, sehingga jumlah dana yang diterima Perseroan dalam amounted to IDR749,850,177,600.
PUT II ini sebesar Rp749.850.177.600.
Perseroan melakukan PUT III dalam rangka penambahan The Company conducted its third Public Offering (PUT III) to
modal dengan menerbitkan Hak Memesan Efek Terlebih increase its capital by issuing Pre-emptive Rights (HMETD) to
Dahulu (HMETD) kepada para pemegang saham Perseroan its shareholders, totaling 10,047,322,871 registered common
sebanyak 10.047.322.871 saham biasa atas nama atau sebesar shares, representing 46.24% of the Company's issued and fully
46,24% dari modal ditempatkan dan disetor penuh Perseroan paid-up capital after the PUT III. The shares have a nominal
setelah PUT III dengan nilai nominal Rp100,- setiap saham value of IDR100 per share and an exercise price of IDR478 per
dengan Harga Pelaksanaan Rp478,- per saham, sehingga share. Therefore, the total proceeds received by the Company
jumlah dana yang diterima Perseroan dalam PUT III ini sebesar from this PUT III amounted to IDR4,802,620,332,338.
Rp4.802.620.332.338.
Setelah serangkaian PUT seperti dijabarkan di atas, Pemegang Following the series of PUTs abovementioned, the Major/
Saham Utama/Pengendali Allo Bank adalah PT Mega Corpora, Controlling Shareholder of Allo Bank is PT Mega Corpora, with
dengan kepemilikan sebesar 60,9% atau 13.228.508.531 ownership of 60.9% or 13,228,508,531 shares. Information
lembar saham. Informasi terkait pemegang saham utama/ regarding the major/controlling shareholders of Allo Bank is as
pengendali Allo Bank adalah sebagai berikut: follows:
Nama Pemegang Saham
Name of Shareholder PT Mega Corpora
Bidang Usaha
Line of Business Aktivitas Perusahaan Holding (64200); dan Aktivitas Konsultasi Manajemen Lainnya (70209)
Holding Company (64200); and Management Consulting (70209)
Alamat Menara Bank Mega Lt. 24,
Address Jl. Kapten P. Tendean Kav. 12-14 A
Jakarta Selatan
Telp.: (+6221) 79175533
Persentase Kepemilikan
Percentage of Ownership 60,9%
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PT Mega Corpora
PT Mega Corpora
PT Mega Corpora merupakan perseroan terbatas yang PT Mega Corpora, a limited liability company domiciled in
berkedudukan di Jakarta Selatan, didirikan berdasarkan Akta South Jakarta, was established based on Deed of Establishment
Pendirian No. 53 tanggal 27 Oktober 1994, yang dibuat di No. 53 dated October 27, 1994, made before Enimarya Agoes
hadapan Enimarya Agoes Suwarko, S.H., Notaris di Jakarta, dan Suwarko, S.H., Notary in Jakarta, and has been approved by the
telah disetujui oleh Menteri Kehakiman dengan Surat Keputusan Ministry of Justice with Decree No. C2 18944.HT.01.01.TH.94
No. C2-18944.HT.01.01.TH.94 tanggal 27 Desember 1994 dan dated December 27, 1994 and has been announced in the State
telah diumumkan dalam Berita Negara Republik Indonesia No. Gazette of the Republic of Indonesia No. 97 dated December
97 tanggal 3 Desember 1999, Tambahan No. 8134. Anggaran 3, 1999, Supplement No. 8134. The Articles of Association have
Dasar PT Mega Corpora telah mengalami beberapa kali been amended several times, most recently by Deed No. 11
perubahan, di mana perubahan terakhir berdasarkan Akta No. dated April 21, 2022, made before Dedy Syamri, S.H., Notary in
11 tanggal 21 April 2022, yang dibuat di hadapan Dedy Syamri, Jakarta, regarding changes to the Company’s paid-up capital.
S.H., Notaris di Jakarta, antara lain mengenai perubahan modal This change has been notified to the Directorate General of
disetor Perseroan. Perubahan ini telah diberitahukan kepada General Legal Administration of the Ministry of Law and Human
Direktorat Jenderal Administrasi Hukum Umum Kementerian Rights (“Dirjen AHU”) in Notification Acceptance Letter No.
Hukum dan Hak Asasi Manusia (“Dirjen AHU”) dengan Surat AHUAH. 01.03-0229746 dated April 22, 2022.
Penerimaan Pemberitahuan No. AHU-AH.01.03-0229746
tanggal 22 April 2022.
Kegiatan Usaha Utama PT Mega Corpora
Main Business Activities of PT Mega Corpora
Berdasarkan Pasal 3 Anggaran Dasar PT Mega Corpora, Based on Article 3 of the Articles of Association of PT Mega
maksud dan tujuan serta kegiatan usaha Perusahaan antara Corpora, the aims and objectives and business activities of PT
lain: Mega Corpora are as follows:
1. Aktivitas Perusahaan Holding (64200); dan 1. Holding Company Activities (64200); and
2. Aktivitas Konsultasi Manajemen Lainnya (70209). 2. Other Management Consulting Activities (70209).
Saat ini kegiatan usaha utama PT Mega Corpora adalah Currently, the main business core of PT Mega Corpora cover
dalam bidang aktivitas perusahaan holding melalui pemilikan the holding company’s activities through the ownership of
saham di Entitas Anak yang bergerak dalam bidang jasa usaha shares in Subsidiaries, which are engaged in banking, financing,
perbankan, pembiayaan, sekuritas, dan asuransi. securities, and insurance business services.
Manajemen Kunci PT Mega Corpora per 31 Desember 2025
Key Management of PT Mega Corpora as of December 31, 2025
Dewan Komisaris | Board of Commissioners
Komisaris Utama/Independen
Chairul Tanjung
President/Independent Commissioner
Komisaris
Zainal Rahman
Commissioner
Direksi | Board of Directors
Direktur Utama
Ardhayadi
President Director
Direktur
Ali Gunawan
Director
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Struktur Permodalan dan Komposisi Kepemilikan Saham PT Mega Corpora
Capital Structure and Share Ownership Composition of PT Mega Corpora
Berdasarkan Akta No. 11 tanggal 21 April 2022 yang dibuat di Based on Deed No. 11 dated April 21, 2022 made before
hadapan Dedy Syamri, S.H., Notaris di Jakarta atas Pernyataan Dedy Syamri, S.H., Notary in Jakarta regarding the Statement
Keputusan Para Pemegang Saham terhadap Perubahan of Shareholders' Decision regarding the Amendment to the
Anggaran Dasar PT Mega Corpora yang telah diberitahukan Articles of Association of PT Mega Corpora which has been
kepada Dirjen AHU dengan Surat Penerimaan Pemberitahuan notified to the Director General of AHU with Notification Receipt
No. AHU-AH. 01.03.0229746 tanggal 22 April 2022, struktur Letter No. AHU-AH. 01.03.0229746 dated April 22, 2022, the
permodalan PT Mega Corpora dapat dilihat sebagai berikut: capital structure of PT Mega Corpora can be seen as follows:
Nilai Nominal Rp1.000,- per Saham
Uraian Nominal Value of IDR1,000 per Share
Description Jumlah Saham Nilai Nominal
%
Total Share Nominal Value
Modal Dasar 2.000.000.000 2.000.000.000.000 -
Authorized Capital
Modal Ditempatkan dan Disetor Penuh
Issued and Fully Paid Capital
PT CT Corpora 1.445.162.557 1.445.162.557.000 99,99
PT Para Rekan Investama 1 1.000 0,01
Jumlah Modal Ditempatkan dan Disetor Penuh 1.445.162.558 1.445.162.558.000 100,00
Total Issued and Fully Paid-up Capital
Saham dalam Portepel 554.837.442 554.837.442.000 -
Shares in Portfolio
Struktur Kepemilikan Pemegang Saham Pengendali
Ownership Structure of Controlling Shareholders
Bpk. Chairul Tanjung
97,60%
PT CT Corpora
99,99%
PT Mega Corpora PT Bukalapak.com Tbk AbadiInvestments Pte. Ltd. APT Indolife Investama Perkasa Masyarakat Treasury
Public Stock
60,9% 11,5% 7% 7%
14,2% 0,4%
PT Allo Bank Indonesia Tbk
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Pemegang Saham Pengendali Bank adalah PT Mega Corpora, The Bank's Controlling Shareholder is PT Mega Corpora,
sementara Sdr. Chairul Tanjung adalah ultimate shareholders while Mr. Chairul Tanjung is the Bank's ultimate shareholder.
Bank. Sesuai dengan Pasal 18 ayat (3) Peraturan Presiden No. In accordance with Article 18 paragraph (3) of Presidential
13 Tahun 2018, Sdr. Chairul Tanjung telah dilaporkan sebagai Regulation No. 13 of 2018, Mr. Chairul Tanjung has been
Pemilik Manfaat Akhir pada tanggal 6 April 2021 melalui reported as the Ultimate Beneficial Owner on April 6, 2021
situs web Direktorat Jenderal Administrasi Hukum Umum through the website of the Directorate General of General Legal
Kementerian Hukum dan Hak Asasi Manusia Republik Indonesia Administration of the Ministry of Law and Human Rights of the
www.bo.ahu.go.id. Republic of Indonesia www.bo.ahu.go.id.
Struktur Organisasi Pemegang Saham Pengendali
Organizational Structure of Controlling Shareholders
Dewan Komisaris
Board of Commissioners
Direksi
Board of Directors
Finance Accounting Financial Tax & Litigation Corporate License
Control Custom Legal
Budgeting
Daftar Entitas Anak dan
Entitas Asosiasi, Ventura Bersama, dan
Kerja Sama Operasi
● List of Subsidiaries, Associated Entities, Joint Ventures
and Joint Operations
Per 31 Desember 2025, Allo Bank tidak memiliki Entitas Anak, As of December 31, 2025, Allo Bank had no Subsidiaries,
Entitas Asosiasi, Ventura Bersama, dan Kerja Sama Operasi. Associates, Joint Ventures, or Joint Operations. Therefore, no
Dengan demikian, tidak terdapat informasi mengenai hal information regarding these matters can be presented in this
tersebut yang dapat disajikan dalam Laporan Tahunan ini. Annual Report.
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Struktur Grup
Perusahaan
● Company Group Structure
Manajemen
Data Korpora
Sistem Pembayaran
Digital
Digital Payment
System
CT GLOBAL FINANCE PTE. LTD
GLOBAL AIR PTE. LTD
MINTVILLE CORPORATION
PASIFIC AIR HOLDINGS LTD
FINEGOLD RESOURCES LTD
Keterkaitan Kepengurusan dalam Kelompok Usaha Bank
Management Relationships in Bank Business Groups
Berdasarkan struktur bisnis PT CT Corpora (“CT Corp”), PT Based on the business structure of PT CT Corpora ("CT Corp"),
Mega Corpora merupakan pemegang saham mayoritas PT PT Mega Corpora is the majority shareholder of PT Allo Bank
Allo Bank Indonesia Tbk dan merupakan pilar usaha CT Corp Indonesia Tbk and is a business pillar of CT Corp, overseeing
yang membawahi unit usaha di sektor keuangan. Posisi PT business units in the financial sector. PT Mega Corpora's
Mega Corpora bersanding sejajar dengan kelompok pilar position is parallel to another business pillar group, namely
usaha lainnya, yaitu PT Trans Corpora yang bergerak dalam PT Trans Corpora, which operates in the media, lifestyle, and
bidang media, lifestyle, dan entertainment. Kedua kelompok entertainment sectors. Both groups of companies carry out
perusahaan tersebut menjalankan aktivitas bisnis dengan saling business activities synergistically within the CT Corp ecosystem.
bersinergi di dalam ekosistem CT Corp.
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Keanggotaan
dalam Asosiasi
● Membership in Associations
Hingga akhir tahun 2025, Bank tergabung sebagai As of the end 2025, the Bank is a member of a number
anggota di sejumlah asosiasi, antara lain: of associations, including:
1. Perhimpunan Bank Swasta Nasional (Perbanas) 1. National Private Banks Association (Perbanas)
2. Asosiasi Sistem Pembayaran Indonesia (ASPI) 2. Indonesian Payment System Association (ASPI)
3. Forum Komunikasi Direktur Kepatuhan Perbankan 3. Communication Forum for Director of Banking
(FKDKP) Compliance (FKDKP)
4. Lembaga Alternatif Penyelesaian Sengketa Sektor 4. Alternative Agencies for Dispute Resolution in
Jasa Keuangan (LAPS SJK) Financial Services (LAPS SJK)
5. Asosiasi Emiten Indonesia (AEI) 5. Indonesian Public Listed Companies Association
(AEI)
Kronologis Penerbitan dan
Pencatatan Saham
● Chronology of Issuance and/or Share Listing
1. Rencana Go Public Perseroan bermula dari 1. The Company’s plan to go public commenced
tahun 2014 dan sejak saat itu, Perseroan mulai in 2014 and has since started the selection of
melakukan seleksi untuk pemilihan lembaga supporting institutions and professions, including
dan profesi penunjang, termasuk melakukan the amendment of the Articles of Association.
perubahan Anggaran Dasar.
2. Due Diligence Meeting & Public Expose 2. Due Diligence Meeting & Public Expose took place
berlangsung pada tanggal 13 Juli 2015 di Ballroom on July 13, 2015 at the Ballroom of ASEAN Tower
ASEAN Tower Lantai 9, Pasar Baru - Jakarta Pusat. 9th Floor, Pasar Baru - Central Jakarta.
3. Pernyataan efektif oleh Pengawas Pasar Modal 3. An effective statement by the Capital Market
Otoritas Jasa Keuangan diperoleh tanggal 31 Supervisor of the Financial Services Authority was
Juli 2015. Sedangkan masa penawaran umum obtained on July 31, 2015. Meanwhile, the public
berlangsung pada tanggal 4-6 Agustus 2015. offering period lasted from August 4-6, 2015.
4. Dalam penawaran penjatahan pasti (fixed 4. Fixed allotment bidding was limited to 98% of the
allotment) dibatasi sampai dengan jumlah sebesar total shares offered and the remaining 2% will be
98% dari jumlah saham yang ditawarkan dan done by pooling.
sisanya sebanyak banyaknya 2% akan dilakukan
penjatahan terpusat (pooling).
5. Pencatatan efektif saham Allo Bank dengan 5. The effective listing of Allo Bank’s shares with
kode saham BBHI di BEI dilaksanakan pada BBHI’s ticker code on the IDX was carried
tanggal 12 Agustus 2015, dengan melakukan out on August 12, 2015, by offering the public
penawaran saham kepada masyarakat sebanyak 800,000,000 shares with a price of IDR125 per
800.000.000 saham dengan harga Rp125 per share.
lembar saham.
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6. Pada 14 Juli 2017, Pemegang Saham Pengendali 6. On July 14, 2017, controlling shareholders injected
(PSP) melakukan Penambahan Modal Tanpa the paid-up capital to the Company after the IPO
Memberikan Hak Memesan Efek Terlebih Dahulu in the amount of 365,000,000,000 with a price
sebanyak 365.000.000 lembar saham dengan of IDR100 per share.
harga Rp100 per lembar saham.
7. Perseroan melakukan Penawaran Umum Terbatas 7. On July 4, 2018, the Company conducted Limited
I pada 4 Juli 2018 dalam rangka penambahan Public Offering to increase the capital, by issuing
modal dengan menerbitkan Hak Memesan Efek Pre-emptive Rights to the Company’s shareholders
Terlebih Dahulu (HMETD) kepada para pemegang for as many as 169,431,795 shares with a price of
saham Perseroan sebanyak 169.431.795 saham IDR200 per share.
dengan harga Rp200 per lembar saham.
8. Perseroan melakukan PUT II pada 14 Juli 2021 8. The Company conducted Limited Public Offering
dalam rangka penambahan modal dengan II on July 14, 2021 to increase the capital by issuing
menerbitkan Hak Memesan Efek Terlebih Pre-emptive Rights to the Company’s shareholders
Dahulu (HMETD) kepada para pemegang saham for as many as 7,498,501,776 ordinary shares
Perseroan sebanyak 7.498.501.776 saham biasa or 64.18% of the issued and fully paid capital of
atas nama atau sebesar 64,18% dari modal the Company after Limited Public Offering II at
ditempatkan dan disetor penuh Perseroan setelah the nominal value of IDR100 per share. Thus,
PUT II dengan nilai nominal Rp100 setiap saham, the amount that the Company received in this
sehingga jumlah dana yang diterima Perseroan PMHMETD is IDR749,850,177,600.
dalam PMHMETD ini sebesar Rp749.850.177.600.
9. Perseroan melakukan PUT III pada 2022 dalam 9. The Company conducted Limited Public Offering
rangka penambahan modal dengan menerbitkan III in 2022 to increase the capital by issuing Pre
Hak Memesan Efek Terlebih Dahulu (HMETD) emptive Rights to the Company’s shareholders
kepada para pemegang saham Perseroan for as many as 10,047,322,871 ordinary shares or
sebanyak 10.047.322.871 saham biasa atas nama 46.24% of the issued and fully paid capital of the
atau sebesar 46,24% dari modal ditempatkan dan Company after Limited Public Offering III at the
disetor penuh Perseroan setelah PMHMETD III nominal value of IDR100 per share with an exercise
dengan nilai nominal Rp100,- setiap saham dengan price of IDR478 per share. Thus, the amount that
Harga Pelaksanaan Rp478,- per saham, sehingga the Company received in this PMHMETD III is
jumlah dana yang diterima Perseroan dalam IDR4,802,620,332,338.
PMHMETD III ini sebesar Rp4.802.620.332.338.
Kronologis Penerbitan dan
Pencatatan Efek Lainnya
● Chronology of Issuance and/or Share Listing
Sampai dengan 31 Desember 2025, Bank tidak As of December 31, 2025, the Bank has not issued any
menerbitkan efek seperti obligasi, sukuk, obligasi securities such as bonds, sukuk, convertible bonds,
konversi atau efek lainnya di bursa efek manapun, or other securities on any stock exchange, either
baik yang berada di Indonesia maupun di luar negeri. in Indonesia or abroad. Therefore, no information
Dengan demikian, tidak terdapat informasi mengenai regarding these matters can be presented in this
hal tersebut yang dapat disajikan dalam Laporan Annual Report.
Tahunan ini.
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Lembaga dan
Profesi Penunjang
● Company’s Supporting Institutions and/or Professionals
Kantor Akuntan Publik
Public Accounting Firm
Nama Lembaga/Profesi KAP Amir Abadi Jusuf, Aryanto, Mawar & Rekan
Name of Institution/Profession (RSM Indonesia)
Alamat Plaza Asia Level 10
Address Jl. Jend. Sudirman Kav. 59
Jakarta 12190, Indonesia
Telp.: +62 21 5140 1340
Fax.: +62 21 5140 1540
Nama Akuntan Saptoto Agustomo
Name of Accountant
Izin Akuntan AP.0499
Accountant License
Jasa yang Diberikan Mengaudit Laporan Keuangan Bank untuk tahun buku yang berakhir 31 Desember 2025.
Service Provided Audit Bank’s Financial Statement for the financial year ends December 31, 2025.
Biaya Jasa Rp875.500.000,-
Service Fees
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Biro Administrasi Efek
Share Registrar
Nama Lembaga/Profesi
PT Datindo Entrycom
Name of Institution/Profession
Jl. Hayam Wuruk No. 28
Alamat Jakarta 10120
Address Telp.: +62 21 350 8077 (Hunting)
Fax.: +62 21 350 8078
Jasa yang Diberikan Administrasi saham Bank atas data pemegang saham bulanan dan recording date.
Service Provided Share administration of Bank’s monthly shareholder data and recording date.
Notaris
Notary
Nama Lembaga/Profesi
Kantor Notaris Dharma Akhyuzi
Name of Institution/Profession
Jl. Otista III No. 117
Alamat Cipinang Cempedak, Jatinegara
Address Jakarta 13340, Indonesia
Telp.: +62 21 851 5502
Pembuatan Akta Rapat Umum Pemegang Saham Tahunan dan Rapat Umum Pemegang
Jasa yang Diberikan
Saham Luar Biasa 2025.
Service Provided
Preparation of the Deed for the 2025 Annual General Meeting of Shareholders.
Bursa
Exchange
Nama Lembaga/Profesi Bursa Efek Indonesia
Name of Institution/Profession Indonesia Stock Exchange
Bursa Efek Indonesia Building Tower
Alamat
Jl. Jend Sudirman Kav. 52-53
Address
Jakarta 12190, Indonesia
Jasa yang Diberikan Pencatatan Saham Perseroan.
Service Provided Listing of Company shares.
Lembaga Pemeringkat
Credit Rating Agency
Nama Lembaga/Profesi
PT Pemeringkat Efek Indonesia (Pefindo)
Name of Institution/Profession
Equity Tower Lantai 30, Sudirman Central Business District Lot 9
Alamat
Jl. Jenderal Sudirman Kav. 52-53
Address
Jakarta 12190, Indonesia
Jasa yang Diberikan Jasa pemeringkatan atas Perusahaan terhadap Allo Bank.
Service Provided Company rating services for Allo Bank.
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Penghargaan
dan Sertifikasi
● Awards and Certifications
Penghargaan yang Diperoleh Perusahaan di Tahun 2025
Awards Achieved by the Company in 2025
Nama Penghargaan Diberikan oleh
No.
Name of the Award Given By
1. The Best Digital Bank In Excellence Call Center 2025 Infobank
2. Investortrust Best Bank Awards 2025 - Kategori KBMI II Investortrust
3. The Best Execution Winner in Digital Banking Industry Kontan &
GML Performance Consultant
4. Special Recognition: Excellence in Product Strategy & Innovation Kontan &
GML Performance Consultant
5. OMNI brand of The Year 2025: New Product Campaign in Multiplatform Marketeers
6. The Best Bank Umum Konvensional 2025 - KBMI 2 Infobank & Isentia
(Modal Inti diatas Rp6 Triliun s.d. Rp14 Triliun) - Aset <Rp50 Triliun
The Best Conventional Commercial Bank 2025 - KBMI 2 (Core Capital Above IDR6 Trillion to IDR14
Trillion) - Assets < IDR50 Trillion
7. The Best Bank Digital 2025 - KBMI 2 (Modal Inti diatas Rp6 Triliun s.d. Rp14 Infobank & Isentia
Triliun) - Aset <Rp50 Triliun
The Best Digital Bank 2025 - KBMI 2 (Core Capital Above IDR6 Trillion to IDR14 Trillion) - Assets <
IDR50 Trillion
8. The Best Tabungan Bank Umum Konvensional 2025 - KBMI 2 (Modal Inti diatas Infobank & Isentia
Rp6 Triliun s.d. Rp14 Triliun) - Aset <Rp50 Triliun
The Best Conventional Bank Savings 2025 - KBMI 2 (Core Capital Above IDR6 Trillion to IDR14
Trillion) - Assets < IDR50 Trillion
9. The Best Deposito Bank Umum Konvensional 2025 - KBMI 2 (Modal Inti diatas Rp6 Triliun s.d. Rp14 Infobank & Isentia
Triliun) - Aset <Rp50 Triliun
The Best Conventional Commercial Bank Deposit 2025 - KBMI 2 (Core Capital Above IDR6 Trillion to
IDR14 Trillion) - Assets < IDR50 Trillion
10. Top 50 emiten dengan Kapitalisasi Pasar Menengah (MidCap PLCs) IICD (Indonesian Institute for
Top 50 Mid-Cap PLCs Corporate Directorship)
Sertifikasi yang Masih Berlaku Hingga Tahun 2025
Certification that Still Valid until 2025
Tanggal Dikeluarkannya Sertifikasi Jenis Sertifikat Dikeluarkan oleh Masa Berlaku Hingga
Date of Certificate Issuance Type of Certificate Issued by Valid Until
28 Juni 2023 ISO/IEC 27001:2022 CBQA Global Indonesia 27 Juni 2026
June 28, 2023 June 27, 2026
14 Februari 2024 ANSI/TIA-942-B-2017 Rated-3 EPI Certification Pte. Ltd. 13 Februari 2027
February 14, 2024 February 13, 2027
30 Agustus 2024 COBIT 2019 IT Maturity PT Mitratex Konsultan -
August 30, 2024
3 November 2025 Corporate Rating idA/ Stable PT Pemeringkat Efek Indonesia 1 November 2026
November 3, 2025 Outlook November 1, 2026
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Informasi pada Situs
Web Perusahaan
● Information on the Company Website
Allo Bank berkomitmen untuk senantiasa menerapkan Allo Bank is committed to continuously implementing the
prinsip-prinsip transparansi dan keterbukaan informasi bagi principles of transparency and accountability of information
publik dengan menyediakan situs web resmi sebagai media for the public by providing an official website serving as a
komunikasi informasi terbaru dengan alamat www.allobank. communication medium for the latest information, which can
com. Informasi yang tersedia pada situs web resmi Bank dapat be accessed at www.allobank.com. The information available
diakses secara terbuka, kapan saja, dan di mana saja, serta on the Bank's official website can be accessed openly, anytime,
mudah dan sederhana dengan tujuan memberikan informasi and anywhere, as well as easily and simply with the aim of
yang komprehensif, akurat dan aktual tentang Bank kepada providing comprehensive, accurate and up-to-date information
khalayak luas. Situs web resmi Bank yang disajikan dengan dua about the Bank to the general public. The Bank's official website
bahasa, yaitu bahasa Indonesia dan bahasa Inggris, juga telah is presented in two languages, namely Indonesian and English,
sesuai dengan Peraturan Otoritas Jasa Keuangan (POJK) No. and is also in accordance with the Financial Services Authority
8/POJK.4/2015 tentang Situs Web Emiten atau Perusahaan Regulation (POJK) No. 8/POJK.4/2015 concerning Issuer or
Publik, yang mewajibkan menyampaikan informasi mengenai: Public Company Websites, which requires the submission of
information regarding:
1. Informasi Umum Emiten atau Perusahaan Publik; 1. General Information of Issuers or Public Companies;
2. Informasi bagi Pemodal atau Investor; dan 2. Information for Investors; and
3. Informasi Tata Kelola Perusahaan. 3. Corporate Governance Information.
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Ketersediaan Informasi pada Situs Web Perusahaan Berdasarkan
POJK No. 8/POJK.4/2015
The Availability of Information on the Company’s Website Based on
POJK No. 8/POJK.4/2015
Uraian Ketersediaan Keterangan
Description Availability Website Address
Informasi pemegang saham sampai dengan pemilik akhir individu
Shareholder information including last owner
✓ https://www.allobank.com/about-us/investor-relations
Isi Kode Etik
Code of Conduct
✓ https://www.allobank.com/about-us/investor-relations
Informasi Rapat Umum Pemegang Saham (RUPS) paling kurang meliputi
bahan mata acara yang dibahas dalam RUPS, ringkasan risalah RUPS,
✓ https://www.allobank.com/about-us/investor-relations
dan informasi tanggal penting yaitu tanggal pengumuman RUPS,
tanggal pemanggilan RUPS, tanggal RUPS, tanggal ringkasan risalah
RUPS diumumkan
Information on the General Meeting of Shareholders (GSM), includes
agenda items discussed at the GMS, the minutes of GMS and
information on important dates, namely the date of the announcement
of the GMS, the date of the summons for the GMS, the date of the GMS,
the date of the summary of the minutes of the GMS is announced.
Laporan Keuangan Tahunan (5 tahun terakhir)
Annual Financial Report (the last 5 years)
✓ https://www.allobank.com/about-us/investor-relations
Profil Dewan Komisaris dan Direksi
Profiles of the Board of Commissioners and Directors
✓ https://www.allobank.com/about-us/profiles
Piagam Dewan Komisaris, Direksi, Komite-komite, dan Satuan Kerja
Audit Internal
✓ https://www.allobank.com/about-us/investor-relations
Charters of the Board of Commissioners, Board of Directors,
Committees, and Internal Audit Unit
Informasi keterbukaan informasi lainnya
Other disclosure Information
✓ https://www.allobank.com/about-us/investor-relations
✓ tersedia pada situs web Perusahaan | available on the Company’s website
× belum tersedia pada situs web Perusahaan | not available on the Company’s website
Semua informasi yang disajikan dalam website Bank senantiasa All information presented on the Bank's website is regularly
diperbaharui secara berkala untuk memberikan informasi updated to provide the most up-to-date information to
ter-update bagi segenap pemangku kepentingan maupun all stakeholders and the general public. The Bank also
masyarakat umum. Bank juga memiliki akun media sosial maintains social media accounts to ensure transparency and
sebagai bagian dari keterbukaan informasi dan komunikasi communication with all stakeholders, including Facebook,
kepada seluruh pemangku kepentingan, di antaranya Instagram, TikTok, Twitter/X, and YouTube.
Facebook, Instagram, Tiktok, Twitter/X, dan Youtube.
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Pendidikan dan/atau Pelatihan
Dewan Komisaris, Direksi,
Komite-Komite, Sekretaris Perusahaan,
dan Unit Audit Internal
● Education and/or Training for Board of Commissioners,
Board of Directors, Committees, Corporate Secretary, and
Internal Audit Unit
Nama Jabatan Materi Pendidikan dan Pelatihan Tanggal Penyelenggara
Name Position Education and Training Material Date Organizer
Dewan Komisaris
Board of Commissioners
Aviliani Komisaris Utama Refreshment Sertifikasi Manajemen Risiko Jenjang 6 13 Februari 2025 Banker Association For Risk
President Risk Management Certification Briefing – Level 6 February 13, 2025 Management (BARA)
Commissioner
Ali Gunawan Komisaris Refreshment Sertifikasi Manajemen Risiko Jenjang 6 13 Februari 2025 Banker Association For Risk
Commissioner Risk Management Certification Briefing – Level 6 February 13, 2025 Management (BARA)
Rosmaya Komisaris Refreshment Sertifikasi Manajemen Risiko Jenjang 6 13 Februari 2025 Banker Association For Risk
Independen Risk Management Certification Briefing – Level 6 February 13, 2025 Management (BARA)
Independent
Commissioner
Direksi
Board of Directors
Ari Yanuanto Plt. Direktur Internal Control Over Financial Reporting 22 Mei 2025 LPP RMG
Asah Utama May 22, 2025
Acting President
Refreshment Sertifikasi Manajemen Risiko Jenjang 7 13 Februari 2025 Banker Association For Risk
Director
Risk Management Certification Briefing – Level 7 February 13, 2025 Management (BARA)
Sharing Session Core Values Allo Bank 24 Maret 2025 Allo Bank
March 24, 2025
FGD BI Penataan Struktur Industri SP 11 September 2025 Bank Indonesia
BI FGD on Structuring the SP Industry September 11, 2025
Members Meeting & ATM Bersama Awards 2025 18 September 2025 Artajasa
Bersama Infobank September 18, 2025
CEO Networking 2025 Managing Global Trade and 18 November 2025 OJK & IDX
Empowering Business Strategy November 18, 2025
Sosialisasi Sharing Roadmap Perbankan Digital By OJK 19 Desember 2025 OJK
Dissemination on Sharing Digital Banking Roadmap December 19, 2025
by OJK
Sajal Bhatnagar Direktur Digital Refreshment Sertifikasi Manajemen Risiko Jenjang 7 13 Februari 2025 Banker Association For Risk
Digital Director Risk Management Certification Briefing – Level 7 February 13, 2025 Management (BARA)
Sharing Session Core Values Allo Bank 24 Maret 2025 Allo Bank
March 24, 2025
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Nama Jabatan Materi Pendidikan dan Pelatihan Tanggal Penyelenggara
Name Position Education and Training Material Date Organizer
Ganda Raharja Direktur Risiko, Refreshment Sertifikasi Manajemen Risiko Jenjang 7 13 Februari 2025 Banker Association For Risk
Rusli Kepatuhan & Risk Management Certification Briefing – Level 7 February 13, 2025 Management (BARA)
Hukum
Risk, Compliance
Sharing Session With Responsible Person 13 Februari 2025 Allo Bank
& Legal Director
February 13, 2025
Risk Management Forum Q1 2025 20 Februari 2025 Allo Bank
February 20, 2025
Pertemuan Koordinasi Tahunan PPATK Tahun 2025 26 Februari 2025 PPATK
PPATK Annual Coordination Meeting 2025 February 26, 2025
Webinar Agentic AI In Finance A New Era Of 3 Juli 2025 Allo Bank
Autonomous Decision Making July 3, 2025
Pembekalan Sertifikasi APU PPT & PPPSPM 14 Agustus 2025 FKDKP
APU PPT & PPPSPM Certification Provision August 14, 2025
Launching Kampanye Nasional Berantas Scam dan 19 Agustus 2025 SATGAS PASTI
Aktivitas Keuangan Ilegal August 19, 2025
Launch of the National Campaign to Eradicate Scams
and Illegal Financial Activities
Risk and Governance Summit (RGS) Tahun 2025 19 Agustus 2025 OJK
August 19, 2025
Uji Sertifikasi APU PPT & PPPSPM Jenjang 7 Direksi 24 Oktober 2025 LSPP
AML CFT & PPPSPM Certification Test for Level 7 October 24, 2025
Directors
Pembekalan Sertifikasi Kepatuhan 6 November 2025 FKDKP
Compliance Certification Provision November 6, 2025
Diseminasi Hasil Penilaian Fir On ML/TF Tahun 2025 27 November 2025 PPATK
Dissemination of Fir On ML/TF Assessment Results November 27, 2025
for 2025
Sosialisasi Sharing Roadmap Perbankan Digital By OJK 19 Desember 2025 OJK
OJK's Digital Banking Roadmap Sharing Dissemination December 19, 2025
Acara Penutupan Perdagangan PT Bursa Efek 30 Desember 2025 IDX
Indonesia (BEI) Tahun 2025 dan Pembukaan December 30, 2025
Perdagangan BEI Tahun 2026
The closing ceremony of trading at the Indonesia
Stock Exchange (IDX) in 2025 and the opening
ceremony of trading at the IDX in 2026.
Komite Audit
Audit Committee
Siswandi Pujo Anggota Komite Refreshment Manajemen Risiko Jenjang 7 - Komite 28 Agustus 2025 Banker Association for Risk
Sasongko Audit Level 7 Risk Management Refreshment - Committee August 28, 2025 Management (BARA)
Member of Audit
Committee
Lista Irna Anggota Komite Refreshment Manajemen Risiko Jenjang 7 - Komite 10 November 2025 Banker Association for Risk
Audit Level 7 Risk Management Refreshment - Committee November 10, 2025 Management (BARA)
Member of Audit
Committee
Komite Remunerasi dan Nominasi
Remuneration and Nomination Committee
Netty Delima Human Capital Sosialisasi Launching Lembaga Sertifikasi Profesi (LSP) 4 Februari 2025 Asosiasi Sistem
Strategy & Sistem Pembayaran Indonesia February 4, 2025 Pembayaran Indonesia
Services Division Dissemination of the Launch of the Indonesian Indonesian Payment
Head Payment System Professional Certification Institute System Association
(LSP)
Sosialisasi Program JSHK 5 Maret 2025 Disnakertrans DKI Jakarta
Dissemination of the JSHK Program March 5, 2025 Jakarta Manpower and
Transmigration Office
Sharing Session Core Values Allo Bank 24 Maret 2025 Allo Bank
March 24, 2025
Refreshment Sertifikasi Manajemen Risiko Jenjang 5 30 April 2025 RDS Consultant
Level 5 Risk Management Certification Refreshment April 30, 2025
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Nama Jabatan Materi Pendidikan dan Pelatihan Tanggal Penyelenggara
Name Position Education and Training Material Date Organizer
Sharing Session Work Smarter Transforming 14 Agustus 2025 Allo Bank
Productivity With AI August 14, 2025
Indonesia Banking Innovation Conclave 30 Oktober 2025 FKDOP
October 30, 2025
3P Compensation 3 Desember 2025 Mercer
December 3, 2025
Komite Pemantau Risiko
Risk Oversight Committee
Siswandi Pujo Anggota Komite Refreshment Manajemen Risiko Jenjang 7 - Komite 28 Agustus 2025 Banker Association for Risk
Sasongko Pemantau Risiko Level 7 Risk Management Refreshment - Committee August 28, 2025 Management (BARA)
Member of
Risk Oversight
Committee
Lista Irna Anggota Komite Refreshment Manajemen Risiko Jenjang 7 - Komite 10 November 2025 Banker Association for Risk
Pemantau Risiko Level 7 Risk Management Refreshment - Committee November 10, 2025 Management (BARA)
Member of
Risk Oversight
Committee
Sekretaris Perusahaan
Corporate Secretary
Stacey Aryadi Corporate Sosialisasi POJK No. 45 Tahun 2024 Tentang 6 Februari 2025 OJK
Suryoputro Secretary & PMO Pengembangan dan Penguatan Emiten dan February 6, 2025
Division Head Perusahaan Publik
Dissemination of POJK No. 45 of 2024 concerning
the Development and Strengthening of Issuers and
Public Companies
Refreshment Sertifikasi Manajemen Risiko Jenjang 5 20 Februari 2025 RDS CONSULTANT
Risk Management Certification Briefing – Level 5 February 20, 2025
Sharing Session Core Values Allo Bank 24 Maret 2025 ALLO BANK
March 24, 2025
Sharing Session Work Smarter Transforming 14 Agustus 2025 ALLO BANK
Productivity With AI August 14, 2025
Sosialisasi Bulan Inklusi Keuangan 2025 3 September 2025 PERBANAS
Dissemination on Financial Inclusion Month 2025 September 3, 2025
Acara Introductory to Investor Relations 25 September 2025 IDX
Introductory to Investor Relations Event September 25, 2025
OJK Peduli Cerdas (Capacity Building Edukasi dan 25 September 2025 OJK
Literasi Keuangan Duta Se-Indonesia) September 25, 2025
OJK Peduli Cerdas (Capacity Building Education and
Indonesian Financial Literacy Ambassador)
Orange Forum 2025 Kerja Sama PT Bursa Efek 17 November 2025 IDX
Indonesia Dengan Impact Investment Exchange Pte. November 17, 2025
Ltd. (IIX)
Orange Forum 2025: Collaboration between the
Indonesia Stock Exchange and Impact Investment
Exchange Pte. Ltd. (IIX)
Kepala SKAI
Head of SKAI
Willyardo Acting (ACT) Sharing Session Core Values Allo Bank 24 Maret 2025 ALLO BANK
Halim Partahi Internal Audit March 24, 2025
Napitupulu Division Head
Refreshment Sertifikasi Manajemen Risiko Jenjang 5 30 April 2025 RDS CONSULTANT
Risk Management Certification Briefing – Level 5 April 30, 2025
Character Building Batch 4 22 Juli 2025 SPEAK UP ACADEMY
July 22, 2025
Training Auditing Treasury Business 8 Oktober 2025 IAIB
October 8, 2025
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Analisis dan
04
Pembahasan
Manajemen
Management
Discussion and
Analysis
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Tinjauan Perekonomian
dan Industri
● Economic and Industrial Review
Tinjauan Perekonomian Iklim Perekonomian Global Global Economic Climate
Economic Review
Sebagaimana dikutip dari buku The global economy is in a phase of
Pertemuan Tahunan Bank Indonesia uneven slowdown across countries and
2025 yang bertajuk Tangguh regions, according to a Bank Indonesia's
dan Mandiri: Sinergi Mendorong report it released in 2025 titled "Resilient
Pertumbuhan Ekonomi Lebih Tinggi dan and Independent: Synergy to Drive
Berdaya Tahan, menjelaskan bahwa, Higher and Resilient Economic Growth."
perekonomian global berada dalam fase Global economic growth is estimated
perlambatan yang tidak merata antar to have been on the restrained side of
negara dan kawasan. Pertumbuhan things, which is a factor that has been
ekonomi dunia cenderung tertahan, primarily influenced by weakening
terutama dipengaruhi oleh kinerja performance among developed
negara maju yang melemah, sementara countries. Meanwhile, developing
negara berkembang relatif menunjukkan countries have shown relatively better
ketahanan yang lebih baik. Dalam resilience. Bank Indonesia's presentation
paparan Bank Indonesia, pertumbuhan projected global economic growth in the
ekonomi global diproyeksikan berada di range of ± 3.0%, reflecting continued
kisaran ± 3,0%, mencerminkan tekanan pressure from tight monetary policy,
berlanjut dari kebijakan moneter ketat, geopolitical fragmentation, and the
fragmentasi geopolitik, serta normalisasi uneven normalization of post-pandemic
aktivitas ekonomi pasca pandemi yang economic activity.
belum sepenuhnya merata.
Di kelompok negara maju, kinerja Among developed countries, economic
ekonomi menunjukkan tren perlambatan performance demonstrates a more
yang lebih nyata. Amerika Serikat pronounced slowdown. The United
diproyeksikan tumbuh moderat seiring States is projected to grow moderately
dengan melemahnya konsumsi dan as consumption and investment weaken
investasi akibat suku bunga tinggi yang due to prolonged high interest rates.
dipertahankan lebih lama. Di kawasan In the European region, economic
Eropa, pertumbuhan ekonomi relatif growth is relatively limited, impacted
terbatas, dipengaruhi oleh tekanan by energy cost pressures, a weakening
biaya energi, pelemahan sektor manufacturing sector and tightening
manufaktur, serta pengetatan kondisi financial conditions. Japan also faces
keuangan. Jepang juga menghadapi growth challenges stemming from weak
tantangan pertumbuhan yang berasal external demand and domestic inflation
dari lemahnya permintaan eksternal dan dynamics.
dinamika inflasi domestik.
Sebaliknya, negara berkembang, In contrast, developing countries,
khususnya di kawasan Asia, menunjukkan particularly in Asia, promise relatively
prospek pertumbuhan yang relatif lebih stronger growth prospects. Economic
kuat. Pertumbuhan ekonomi di kawasan growth in Asia has been supported
Asia ditopang oleh permintaan domestik by solid domestic demand, increased
yang tetap solid, peningkatan investasi, investment, and more accommodating
serta dukungan kebijakan pemerintah government policy support. However,
yang lebih akomodatif. Namun demikian, Bank Indonesia emphasizes that this
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Bank Indonesia menekankan bahwa ketahanan tersebut tetap resilience remains exposed to external risks, including capital
dihadapkan pada risiko eksternal, termasuk volatilitas arus modal, flow volatility, exchange rate fluctuations, and global trade
fluktuasi nilai tukar, dan ketidakpastian perdagangan global. uncertainty.
Dari sisi inflasi global, tekanan harga menunjukkan tren Regarding global inflation, price pressures are showing a
penurunan, namun masih berada pada level yang relatif tinggi downward trend. However, they remain at relatively high levels
di sejumlah negara utama. Kondisi ini mendorong bank sentral in several key economies. This condition has prompted global
global untuk mempertahankan kebijakan moneter yang ketat central banks to maintain prudently tight monetary policies.
secara berhati-hati. Lingkungan suku bunga global yang tinggi This high global interest rate environment has resulted in tight
tersebut berdampak pada ketatnya likuiditas internasional, international liquidity, increased funding costs, and continued
meningkatnya biaya pendanaan, serta berlanjutnya volatilitas di volatility in global financial markets.
pasar keuangan global.
Ke depan, Bank Indonesia memproyeksikan bahwa pemulihan Looking ahead, Bank Indonesia is of the view that global
ekonomi global akan berlangsung bertahap dan tetap economic recovery will be gradual in nature and will remain
disertai risiko, dengan potensi perbaikan yang bergantung accompanied by risks, with potential improvements that are
pada stabilisasi inflasi, arah kebijakan moneter global, serta dependent on inflation stabilization, the direction of global
perkembangan tensi geopolitik dan perdagangan antar negara. monetary policy, and developments in geopolitical and trade
tensions between countries.
Iklim Perekonomian Nasional National Economic Climate
Sementara itu, di tengah perlambatan global, Bank Indonesia Meanwhile, in the midst of all of this global slowdown, Bank
mencatat bahwa perekonomian Indonesia menunjukkan Indonesia notes that the Indonesian economy has demonstrated
ketahanan yang kuat dan kinerja yang relatif lebih baik strong resilience and relatively better performance compared to
dibandingkan banyak negara lain. Pertumbuhan ekonomi many other countries. National economic growth is projected
nasional diproyeksikan berada pada kisaran 4,7%-5,5%, to be in the range of 4.7%-5.5%, supported by solid domestic
didukung oleh permintaan domestik yang tetap solid serta demand and a consistent policy mix between the government
bauran kebijakan yang konsisten antara pemerintah dan Bank and Bank Indonesia.
Indonesia.
Konsumsi rumah tangga tetap menjadi motor utama Household consumption remains the primary driver of national
pertumbuhan ekonomi nasional, seiring terjaganya daya beli economic growth, as public purchasing power remains strong
masyarakat dan meningkatnya aktivitas ekonomi domestik. and domestic economic activity increases. Furthermore,
Selain itu, investasi menunjukkan tren pertumbuhan yang investment shows a sustainable growth trend, supported
berkelanjutan, didukung oleh perbaikan iklim usaha, by improvements in the business climate, infrastructure
pembangunan infrastruktur, serta berlanjutnya realisasi development and continued investment realization, including in
investasi, termasuk pada sektor-sektor bernilai tambah tinggi. high-value-added sectors.
Dari sisi inflasi, Bank Indonesia memproyeksikan tingkat inflasi When it comes to inflation, Bank Indonesia projects that inflation
tetap berada dalam sasaran 2,5% ± 1%, mencerminkan rates will remain within the 2.5% ± 1% target, reflecting the
keberhasilan pengendalian harga melalui sinergi kebijakan success of price control through synergy between monetary,
moneter, fiskal, dan pengendalian inflasi pusat dan daerah. fiscal, and central and regional inflation control policies.
Inflasi inti yang terjaga serta inflasi pangan yang terkendali Maintained core inflation and controlled food inflation provide
memberikan ruang bagi stabilitas ekonomi makro yang room for sustained macroeconomic stability.
berkelanjutan.
Pada sektor eksternal, neraca pembayaran Indonesia In the external sector, Indonesia's balance of payments is
diperkirakan tetap berada dalam kondisi yang sehat, didukung expected to remain healthy, thanks to the support of strong export
oleh kinerja ekspor yang cukup baik serta cadangan devisa performance and adequate foreign exchange reserves. This
yang memadai. Ketahanan eksternal ini berperan penting dalam external resilience plays a crucial role in maintaining the stability of
menjaga stabilitas nilai tukar Rupiah di tengah volatilitas pasar the Rupiah's exchange rate in the midst of global financial market
keuangan global dan ketidakpastian arus modal internasional. volatility and uncertainty in international capital flows.
Bank Indonesia juga menegaskan bahwa stabilitas sistem Bank Indonesia has also emphasized that the stability of the
keuangan nasional tetap terjaga, dengan permodalan national financial system remains well-maintained, with strong
perbankan yang kuat, likuiditas yang memadai, serta risiko bank capital, adequate liquidity, and controlled credit risk. These
kredit yang terkendali. Kondisi tersebut memberikan ruang conditions provide room for the banking sector to continue
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bagi sektor perbankan untuk terus meningkatkan penyaluran increasing its financing disbursement to productive sectors to
pembiayaan kepada sektor produktif guna mendukung support sustainable national economic growth.
pertumbuhan ekonomi nasional secara berkelanjutan.
Tinjauan Industri
Industry Overview
Dinamika perekonomian global yang masih diwarnai The dynamics of the global economy are still characterized
perlambatan pertumbuhan, kebijakan moneter ketat, serta by slowing growth, tightening monetary policy and financial
volatilitas pasar keuangan memberikan implikasi langsung market volatility. These dynamics have direct implications for
terhadap industri perbankan, baik dari sisi pendanaan, the banking industry, whether in terms of funding, lending
penyaluran kredit, maupun manajemen risiko. Lingkungan suku or risk management. The relatively high global interest
bunga global yang relatif tinggi dan likuiditas internasional yang rate environment and more selective international liquidity
lebih selektif mendorong industri perbankan untuk semakin encourages the banking industry to be increasingly prudent in
berhati-hati dalam pengelolaan struktur pendanaan serta managing its funding structure and maintaining cost efficiency.
menjaga efisiensi biaya dana.
Di tingkat nasional, ketahanan perekonomian Indonesia With its projected growth in the range of 4.7% - 5.5% and
dengan pertumbuhan yang diproyeksikan berada pada kisaran controlled inflation within the target range of 2.5% ± 1%, the
4,7% - 5,5% dan inflasi yang terkendali dalam sasaran 2,5% resilience of the Indonesian economy at the national level
± 1% memberikan ruang yang kondusif bagi perbankan untuk provides a conducive environment for banks to continue
tetap menjalankan fungsi intermediasi secara berkelanjutan. carrying out their intermediary function in a sustainable manner.
Permintaan kredit diperkirakan tetap tumbuh sejalan dengan Credit demand is expected to continue to grow in line with
aktivitas konsumsi dan investasi domestik, khususnya pada domestic consumption and investment activities, particularly
sektor-sektor produktif yang menjadi prioritas pembangunan in productive sectors that are prioritized for national economic
ekonomi nasional. development.
Stabilitas sistem keuangan yang terjaga, sebagaimana Maintained financial system stability, which can be seen
tercermin dari permodalan perbankan yang kuat dan likuiditas reflected in strong bank capital and adequate liquidity, serves
yang memadai, menjadi pondasi penting bagi industri as a crucial foundation for the banking industry in navigating
perbankan dalam menghadapi ketidakpastian global. Namun global uncertainty. At the same time, the banking industry
demikian, industri perbankan tetap dituntut untuk memperkuat still needs to strengthen risk management, particularly in
manajemen risiko, terutama dalam mengantisipasi potensi anticipating potential increases in credit risk, exchange rate
peningkatan risiko kredit, volatilitas nilai tukar, serta perubahan volatility, and changes in global financial market conditions that
kondisi pasar keuangan global yang dapat mempengaruhi could impact asset quality.
kualitas aset.
Selain itu, arah kebijakan Bank Indonesia yang menekankan Furthermore, Bank Indonesia's policy direction, which
sinergi kebijakan moneter, makroprudensial, dan sistem emphasizes synergy between monetary, macroprudential, and
pembayaran mendorong perbankan untuk terus beradaptasi payment system policies, encourages banks to continuously
melalui penguatan digitalisasi, peningkatan efisiensi adapt by strengthening digitalization, improving operational
operasional, serta pengembangan produk dan layanan yang efficiency, and developing products and services relevant
relevan dengan kebutuhan nasabah. Transformasi digital dan to customer needs. Digital transformation and the use of
pemanfaatan teknologi menjadi faktor kunci bagi perbankan technology are key factors for banks as a means of increasing
dalam meningkatkan daya saing, memperluas basis nasabah, competitiveness, expanding their customer base, and
serta menjaga pertumbuhan yang sehat di tengah dinamika maintaining healthy growth in the midst of economic dynamics.
ekonomi.
Secara keseluruhan, meskipun industri perbankan menghadapi Although the banking industry faces challenges from an
tantangan dari lingkungan global yang penuh ketidakpastian, uncertain global environment, stable and prospective domestic
kondisi makro ekonomi domestik yang stabil dan prospektif macroeconomic conditions overall provide opportunities for
memberikan peluang bagi perbankan untuk terus tumbuh banks to continue prudent growth. By maintaining a balance
secara prudent. Dengan menjaga keseimbangan antara between growth and prudence, the banking industry is
pertumbuhan dan prinsip kehati-hatian, industri perbankan expected to continue to support national economic financing
diharapkan tetap mampu mendukung pembiayaan ekonomi and create sustainable added value for all stakeholders.
nasional dan menciptakan nilai tambah yang berkelanjutan
bagi seluruh pemangku kepentingan.
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Tinjauan Perekonomian
dan Industri
● Economic and Industrial Review
Iklim Perekonomian Global Global Economic Climate
Sebagaimana dikutip dari buku The global economy is in a phase of
Pertemuan Tahunan Bank Indonesia uneven slowdown across countries and
2025 yang bertajuk Tangguh regions, according to a Bank Indonesia's
dan Mandiri: Sinergi Mendorong report it released in 2025 titled "Resilient
Pertumbuhan Ekonomi Lebih Tinggi dan and Independent: Synergy to Drive
Berdaya Tahan, menjelaskan bahwa, Higher and Resilient Economic Growth."
perekonomian global berada dalam fase Global economic growth is estimated
perlambatan yang tidak merata antar to have been on the restrained side of
negara dan kawasan. Pertumbuhan things, which is a factor that has been
ekonomi dunia cenderung tertahan, primarily influenced by weakening
terutama dipengaruhi oleh kinerja performance among developed
negara maju yang melemah, sementara countries. Meanwhile, developing
negara berkembang relatif menunjukkan countries have shown relatively better
ketahanan yang lebih baik. Dalam resilience. Bank Indonesia's presentation
paparan Bank Indonesia, pertumbuhan projected global economic growth in the
ekonomi global diproyeksikan berada di range of ±3.0%, reflecting continued
kisaran ±3,0%, mencerminkan tekanan pressure from tight monetary policy,
berlanjut dari kebijakan moneter ketat, geopolitical fragmentation, and the
fragmentasi geopolitik, serta normalisasi uneven normalization of post-pandemic
aktivitas ekonomi pasca pandemi yang economic activity.
belum sepenuhnya merata.
Di kelompok negara maju, kinerja Among developed countries, economic
ekonomi menunjukkan tren perlambatan performance demonstrates a more
yang lebih nyata. Amerika Serikat pronounced slowdown. The United
diproyeksikan tumbuh moderat seiring States is projected to grow moderately
dengan melemahnya konsumsi dan as consumption and investment weaken
investasi akibat suku bunga tinggi yang due to prolonged high interest rates.
dipertahankan lebih lama. Di kawasan In the European region, economic
Eropa, pertumbuhan ekonomi relatif growth is relatively limited, impacted
terbatas, dipengaruhi oleh tekanan by energy cost pressures, a weakening
biaya energi, pelemahan sektor manufacturing sector and tightening
manufaktur, serta pengetatan kondisi financial conditions. Japan also faces
keuangan. Jepang juga menghadapi growth challenges stemming from weak
tantangan pertumbuhan yang berasal external demand and domestic inflation
dari lemahnya permintaan eksternal dan dynamics.
dinamika inflasi domestik.
Sebaliknya, negara berkembang, In contrast, developing countries,
khususnya di kawasan Asia, menunjukkan particularly in Asia, promise relatively
prospek pertumbuhan yang relatif lebih stronger growth prospects. Economic
kuat. Pertumbuhan ekonomi di kawasan growth in Asia has been supported
Asia ditopang oleh permintaan domestik by solid domestic demand, increased
yang tetap solid, investment, and more accommodating
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Rencana dan Kebijakan Strategis
Perusahaan
● The Company's Strategic Plan and Policy
Membaiknya kondisi makro ekonomi Improvements in domestic
domestik yang ditopang dengan macroeconomic conditions (supported
penurunan suku bunga Bank Indonesia by Bank Indonesia's interest rate cuts
dan penguatan nilai tukar Rupiah menjadi and the strengthening of the Rupiah)
katalis positif bagi kinerja perbankan have served as positive catalysts for
yang tetap solid di tahun 2025. continued solid banking performance
Peningkatan konsumsi masyarakat, in 2025. Increased public consumption,
khususnya pada saat hari raya dan libur particularly during religious holidays and
nasional, diyakini mampu mendongkrak national holidays, is estimated to have
permintaan barang dan jasa. Hal ini juga boosted demand for goods and services.
didukung dengan stimulus pemerintah This was also supported by government
yang bertujuan untuk meningkatkan stimulus aimed at increasing public
daya beli masyarakat sehingga ikut purchasing power, which subsequently
menopang pertumbuhan ekonomi supported economic growth and
yang pada akhirnya berdampak pada ultimately impacted the reduction of
penurunan tingkat inflasi nasional. nation's inflation rate.
Atas kondisi ini, Perseroan berkomitmen In light of this situation, the Company
untuk dapat menjawab kebutuhan is committed to meeting the needs of
seluruh nasabah sekaligus memberikan all customers while making a positive
kontribusi positif bagi segenap pemangku contribution to all stakeholders. To
kepentingan. Untuk mewujudkan tujuan achieve this goal, Allo Bank has utilized
ini, Allo Bank memanfaatkan model a strong and sustainable business
bisnis yang kuat dan berkelanjutan, model and a track record of superior
serta rekam jejak strategi pertumbuhan growth strategies. To achieve its vision,
yang unggul. Untuk mencapai visinya, the Company has established strategic
Perseroan telah menetapkan kebijakan policies to optimize business growth.
strategis dalam mengoptimalkan Allo Bank has consistently developed
pertumbuhan bisnis. Allo Bank secara a comprehensive portfolio of digital
konsisten mengembangkan portofolio banking products and services to meet
produk dan layanan perbankan digital the comprehensive needs of retail
yang komprehensif guna memenuhi and corporate customers. For retail
kebutuhan nasabah ritel dan korporasi customers, all services are designed on
secara menyeluruh. Bagi nasabah ritel, an end-to-end digital basis, with the aim
seluruh layanan dirancang berbasis of providing easy access, transaction
digital end-to-end, dengan tujuan efficiency, and an integrated customer
memberikan kemudahan akses, efisiensi experience within a single application
transaksi, serta pengalaman nasabah platform.
yang terintegrasi dalam satu platform
aplikasi.
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Pada sisi layanan transaksi dan pembayaran, Allo Bank In terms of transaction and payment services, Allo Bank has
menyediakan berbagai fitur utama yang mendukung aktivitas provided various key features to support customers in their daily
keuangan harian nasabah, antara lain pembayaran QRIS, financial activities, including QRIS payments, fund transfers,
transfer dana, pembayaran tagihan, top up saldo, kartu debit bill payments, balance top-ups, virtual debit cards, and QR
virtual serta layanan tarik, RDN dan setor tunai berbasis QR code-based withdrawal, RDN, and cash deposits. This suite
code. Rangkaian layanan tersebut memungkinkan nasabah of services allows customers to conduct various transactions
melakukan berbagai transaksi secara cepat dan aman melalui quickly and securely through a single application, while
satu aplikasi, sekaligus mendorong peningkatan frekuensi simultaneously encouraging increased use of digital banking
penggunaan layanan perbankan digital. Untuk memperkuat services. To strengthen customer engagement, the Bank has
keterikatan nasabah, Bank juga mengembangkan program also developed a loyalty program aimed at high-frequency
loyalitas yang diarahkan pada transaksi berfrekuensi tinggi dan transactions and repeat use.
penggunaan layanan secara berulang.
Dalam rangka penghimpunan dana, Allo Bank menerapkan To raise funds, Allo Bank has implemented an innovative
pendekatan inovatif melalui pengembangan produk simpanan approach through its development of digital savings and time
dan deposito digital dengan struktur imbal hasil yang menarik. deposit products with attractive yield structures. In addition to
Selain dompet digital dan rekening tabungan, Perseroan digital wallets and savings accounts, the Company has also
menghadirkan Allo Grow sebagai produk simpanan fleksibel offered Allo Grow, a flexible savings product with a graduated
dengan skema suku bunga bertahap yang meningkat seiring interest rate scheme that increases with the length of time in which
dengan lamanya dana disimpan. Pendekatan ini bertujuan funds are held. This approach aims to encourage sustainable
untuk mendorong pertumbuhan dana pihak ketiga secara growth of third-party funds while maintaining funding structure
berkelanjutan, sekaligus menjaga stabilitas struktur pendanaan stability and cost efficiency. The launch of the virtual debit card
dan efisiensi biaya dana. Peluncuran kartu debit virtual turut has also expanded digital transaction acceptance, particularly
memperluas akseptasi transaksi digital, khususnya untuk for payments on various third-party platforms and recurring
pembayaran di berbagai platform pihak ketiga dan transaksi transactions, subsequently strengthening the role of Allo Bank
berulang, sehingga memperkuat peran rekening Allo Bank accounts as the primary accounts of its customers.
sebagai rekening utama nasabah.
Pada sisi pembiayaan, Allo Bank menyediakan produk kredit ritel On the financing side of things, Allo Bank has provided
yang mudah diakses, transparan, dan fleksibel untuk menjangkau accessible, transparent, and flexible retail credit products
segmen masyarakat yang sebelumnya memiliki keterbatasan to reach segments of society that previously had limited
akses pembiayaan formal. Perseroan mengembangkan produk access to formal financing. The Company has developed
pembiayaan dengan mekanisme limit gabungan dan tenor financing products with a combined limit mechanism and
yang dapat disesuaikan, sehingga dapat dimanfaatkan untuk adjustable tenor, enabling them to be utilized for a variety of
berbagai kebutuhan konsumtif maupun produktif. Selain itu, consumptive and productive needs. Furthermore, Allo Bank
Allo Bank menjalankan program pembiayaan inovatif yang runs an innovative financing program that allows customers to
memungkinkan nasabah membangun riwayat kredit secara gradually build credit history through a measurable, low-risk
bertahap melalui skema pembiayaan yang terukur dan berisiko financing scheme for the Bank. The entire credit disbursement
rendah bagi Bank. Seluruh proses penyaluran kredit didukung process is supported by a technology-based underwriting
oleh sistem underwriting berbasis teknologi dan pemanfaatan system and data utilization, ensuring portfolio quality remains
data, guna memastikan kualitas portofolio tetap terjaga seiring intact as financing volume grows.
dengan pertumbuhan volume pembiayaan.
Sejalan dengan pengembangan produk, Allo Bank terus In line with product development, Allo Bank has continued to
membangun dan memperluas ekosistem kemitraan yang build and expand its independent partnership ecosystem. In the
bersifat independen. Pada fase awal pertumbuhan, Bank early stages of growth, the Bank leveraged the strength of its
memanfaatkan kekuatan merek, jaringan, serta basis pelanggan brand, network, and customer base within the CT Corp Group
dalam ekosistem Grup CT Corp untuk mempercepat akuisisi ecosystem to accelerate user acquisition and increase service
pengguna dan meningkatkan adopsi layanan. Strategi ini adoption. This strategy provided a strong foundation for the
memberikan fondasi yang kuat bagi pertumbuhan awal Bank. Bank's initial growth.
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Selanjutnya, Allo Bank berhasil mengembangkan kerjasama Subsequently, Allo Bank has successfully developed its
dengan berbagai mitra strategis yang semakin terdiversifikasi di collaborations with increasingly diversified strategic partners
luar ekosistem CT Corp, mencakup berbagai sektor seperti ritel outside the CT Corp ecosystem, spanning various sectors such
offline dan online, food and beverages, media dan komunikasi, as offline and online retail, food and beverage, media and
entertainment, kesehatan, transportasi, serta berbagai sektor communications, entertainment, healthcare, transportation,
lainnya. Diversifikasi kemitraan ini memungkinkan Bank and various other sectors. This partnership diversification
memperluas basis pengguna, meningkatkan volume dan has allowed the Bank to expand its user base, increase its
nilai transaksi, serta memperoleh data perilaku nasabah yang transaction volume and value, and obtain more comprehensive
lebih komprehensif. Pemanfaatan data tersebut menjadi customer behavior data. Utilizing this data has been a crucial
elemen penting dalam penyempurnaan strategi pemasaran, element for the Bank in refining marketing strategies, product
pengembangan produk dan proses underwriting kredit. development, and credit underwriting processes.
Peningkatan signifikan aktivitas transaksi dan jumlah mitra The significant increase in transaction activity and the number
di luar ekosistem CT Corp mencerminkan kemampuan Allo of partners outside the CT Corp ecosystem serves as a reflection
Bank untuk tumbuh secara independen dan berkelanjutan. of Allo Bank's ability to grow independently and sustainably. This
Keberhasilan ini menegaskan bahwa strategi kemitraan yang success confirms that an open and flexible partnership strategy
terbuka dan fleksibel tidak hanya mendukung pertumbuhan not only supports business scale growth but also strengthens
skala usaha, tetapi juga memperkuat ketahanan model bisnis the resilience of the business model through diversification of
melalui diversifikasi sumber pertumbuhan. growth sources.
Secara keseluruhan, integrasi pengembangan produk, strategi Overall, the integration of product development, funding and
pendanaan dan pembiayaan, serta ekosistem kemitraan yang financing strategies, and a diversified partnership ecosystem
terdiversifikasi menjadi pondasi utama bagi Allo Bank dalam has been a key foundation for Allo Bank in building healthy
membangun pertumbuhan yang sehat dan berkelanjutan. and sustainable growth. This approach supports increased
Pendekatan tersebut mendukung peningkatan engagement customer engagement, optimized profitability, and long-term
nasabah, optimalisasi profitabilitas, serta penciptaan nilai jangka value creation for all stakeholders, in line with the Bank's
panjang bagi seluruh pemangku kepentingan, sejalan dengan business strategy and prudent principles.
strategi bisnis dan prinsip kehati-hatian yang diterapkan oleh
Bank.
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Tinjauan
Operasional
● Operational Review
Allo Bank menjalankan kegiatan Allo Bank operates as a commercial bank
usahanya sebagai bank umum dengan with a digital-based banking product
pendekatan produk dan layanan and service approach. Based on Article
perbankan berbasis digital. Berdasarkan 3 of its most recently-amended Articles
dengan Pasal 3 Anggaran Dasar yang of Association, the Bank categorizes
terakhir diubah, Bank mengelompokkan its operational performance into two
kinerja operasionalnya ke dalam 2 (dua) types of activities based on its products
jenis kegiatan berdasarkan produk dan and services: collecting funds from the
layanan yang dimiliki, yakni kegiatan public in the form of deposits (Deposit
menghimpun dana dari masyarakat Products) and distributing funds in the
dalam bentuk simpanan (Produk form of loans (loan Products).
Simpanan) dan kegiatan menyalurkan
dana dalam bentuk kredit (Produk
Kredit).
Produk Kredit Bank memiliki dua mesin pertumbuhan The Bank has two business growth
bisnis yaitu segmen Retail Banking dan engines: the Retail Banking and
Loan Products
Wholesale Banking. Dalam segmen Wholesale Banking segments. In its
Retail Banking, Bank berfokus dalam Retail Banking segment, the Bank
menyalurkan pinjaman secara digital focuses on digitally disbursing loans to
kepada konsumen retail yang terdiri retail consumers. This consists of two
dari 2 (dua) produk, yaitu Paylater dan products: Paylater and Instant Cash
Pinjaman Dana Tunai (Instant Cash) Loans, with applications processed
dengan proses pengajuan yang dilakukan through Allo Bank's mobile app.
melalui mobile app Allo Bank. Keputusan Decisions related to loans can be made
kredit dapat dilakukan secara instan instantly, making it easier for customers
sehingga mempermudah nasabah untuk to conduct transactions using Paylater
melakukan transaksi menggunakan or obtain loans for various needs. In the
Paylater atau mendapatkan dana Wholesale Banking segment, the Bank
pinjaman untuk berbagai kebutuhan. disburses wholesale loans to reputable
Dalam segmen Wholesale Banking, and high-quality corporate customers
Bank menyalurkan kredit wholesale for working capital financing, investment,
kepada nasabah korporasi yang memiliki and guarantees.
reputasi dan kualitas baik yang bertujuan
untuk pembiayaan modal kerja, investasi
dan penjaminan.
Suku Bunga Dasar Kredit Prime Lending Rate
Suku Bunga Dasar Kredit (SBDK) The Bank's Prime Lending Rate (SBDK)
merupakan dasar penetapan suku serves as its basis for determining
bunga kredit yang akan dikenakan the lending interest rate charged to
kepada nasabah. Allo Bank telah customers. Allo Bank has published
mempublikasikan SBDK dalam mata its Prime Lending Rate in Rupiah in
uang Rupiah sesuai dengan Peraturan accordance with Financial Services
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Otoritas Jasa Keuangan (POJK) No. 13 Tahun 2024 tentang Authority Regulation (POJK) No. 13 of 2024 concerning
Transparansi dan Publikasi Suku Bunga Dasar Kredit bagi Bank Transparency and Publication of Prime Lending Rates for
Umum Konvensional yang mengatur mengenai transparansi Conventional Commercial Banks, which regulates the
informasi SBDK sebagai indikasi suku bunga efektif terendah transparency of Prime Lending Rate information as an indication
yang mencerminkan Harga Pokok Dana untuk Kredit (HPDK), of the lowest effective interest rate reflecting the Cost of Funds
overhead cost, dan margin, untuk selanjutnya digunakan for Lending (HPDK), overhead costs, and margins, which are
sebagai acuan dalam penetapan suku bunga kredit then used as a reference in determining lending interest rates.
SBDK yang dipublikasikan oleh Bank ditentukan berdasarkan The Prime Lending Rate published by the Bank is determined
berbagai faktor, diantaranya suku bunga acuan yang based on various factors, including benchmark interest rates
ditetapkan oleh otoritas yang berwenang, harga pokok dana set by authorities, the cost of funds for lending, overhead costs,
untuk kredit (cost of fund), biaya overhead, margin keuntungan, profit margins, and economic developments. However, the
dan perkembangan kondisi ekonomi. Namun demikian, SBDK Prime Lending Rate does not take into account the estimated
belum memperhitungkan komponen estimasi premi risiko risk premium component, the amount of which depends on
yang besarnya tergantung dari penilaian Bank terhadap risiko the Bank's assessment of the risk for each debtor or group of
untuk masing-masing debitur atau kelompok debitur, sehingga debtors. As such, the interest rate charged may not necessarily
besaran suku bunga kredit yang dikenakan belum tentu sama be the same as the Prime Lending Rate.
dengan SBDK.
Bank mengelompokkan SBDK menjadi 4 (empat) kelompok The Bank classifies its Prime Lending Rate (SBDK) into four
berdasarkan segmentasi kredit, yaitu Kredit Korporasi, Kredit groups based on loan segmentation: Corporate Loans, Retail
Ritel, Kredit Mikro, dan Kredit Konsumsi. Seluruh informasi yang Loans, Micro Loans, and Consumer Loans. More detailed
lebih rinci mengenai SBDK yang berlaku dapat dilihat pada information regarding appropriate Prime Lending Rates (SBDK)
publikasi di setiap kantor Bank dan/atau situs web resmi Allo can be found in publications at each Bank office and/or on Allo
Bank di www.allobank.com. Bank's official website at www.allobank.com.
Kredit Konsumsi
Periode Kredit Korporasi Kredit Ritel Kredit Mikro Consumer Loan
Period Corporate Loan Retail Loan Micro Loan
KPR Non KPR
Desember 2025 8.25% N/A N/A N/A 29.71%
December 2025
Kinerja Produk Kredit Loan Product Performance
Pada tahun 2025, kinerja produk kredit tercatat sebesar Rp9,14 In 2025, the Bank's loan product performance was recorded
triliun, mengalami peningkatan Rp1,66 triliun atau 22,23% at IDR9.14 trillion, which marked an increase of IDR1.66 billion
dari tahun 2024 yang sebesar Rp7,48 triliun. Hal ini terutama or 22.23% from IDR7.48 trillion in 2024. This was primarily due
disebabkan oleh pertumbuhan kredit yang disalurkan baik di to loan growth distributed in both the Retail and Wholesale
segmen Ritel dan Wholesale. segments.
Kenaikan (Penurunan)
2025 2024 Increase (Decrease)
Jenis Kredit
(Rp juta) (Rp juta)
Type of Loan Nominal (Rp juta) Persentase (%)
(IDR million) (IDR million)
Nominal (IDR million) Percentage (%)
Kredit Modal Kerja 2.098.872 1.014.884 1.083.988 106,81%
Working Capital Loan
Kredit Investasi 4.884.973 5.099.634 (214.661) -4,21%
Investment Loan
Kredit Konsumsi 2.156.886 1.363.517 793.369 58,19%
Consumer Loan
Jumlah Kredit 9.140.731 7.478.035 1.662.696 22,23%
Total Loans
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Pertumbuhan Kredit Tahun 2021-2025
Loan Growth 2021-2025
(Rp miliar | Billions of IDR)
9.140
7.478 7.385
7.206
2.198
● 2025 2024 2023 2022 2021
Produk Simpanan
Deposit Products
Allo Bank menyediakan produk simpanan berupa Allo Bank provides deposit products in the form of funds
penghimpunan dana baik dari nasabah Retail Banking maupun collected from both Retail Banking and Wholesale Banking
nasabah Wholesale Banking. Dalam hal penghimpunan dana customers. To collect funds from Retail customers, the Bank
nasabah Retail, Bank menawarkan berbagai produk-produk offers various digital-based deposit products, such as electronic
simpanan berbasis digital, seperti uang elektronik (AlloPay money (AlloPay and AlloPay+), savings (Allo Prime and Allo
dan AlloPay+), tabungan (Allo Prime dan Allo Grow), dan Grow), and deposits made through the Allo Bank mobile app.
deposito yang dilakukan melalui mobile app Allo Bank. Bank The Bank also provides checking and deposit products for
juga menyediakan produk giro dan deposito untuk nasabah existing Wholesale Banking customers to conduct operational
Wholesale Banking yang sudah ada untuk melakukan transaksi transactions and credit payments.
operasional maupun terkait dengan pembayaran kredit.
Kinerja Produk Simpanan Deposit Product Performance
Sepanjang tahun 2025, Bank berhasil menghimpun Dana Pihak Throughout 2025, the Bank successfully collected IDR9.52
Ketiga (DPK) sebesar Rp9,52 triliun, meningkat sebesar Rp3,42 trillion in Third Party Funds (TPF), an increase of IDR3.42
triliun atau 56% jika dibanding tahun 2024 yang sebesar trillion, or 56%, compared to IDR6.10 trillion in 2024. This
Rp6,10 triliun. Hal ini terutama disebabkan oleh pertumbuhan was primarily due to significant growth in third party funds,
dana pihak ketiga yang meningkat signifikan sebagai cerminan reflecting increased customer trust.
meningkatnya kepercayaan nasabah.
2025 2024
Produk Simpanan Nominal (Rp juta) Nominal (Rp juta) Pertumbuhan (%)
Saving Products Komposisi (%) Komposisi (%) Growth (%)
Nominal Nominal
Composition (%) Composition (%)
(IDR million) (IDR million)
Giro 540.588 5,68% 85.336 1,40% 533,48%
Current Accounts
Tabungan 938.258 9,86% 693.272 11,37% 35,34%
Savings
Deposito 8.040.143 84,46% 5.316.510 87,23% 51,23%
Time Deposits
Jumlah Simpanan Nasabah 9.518.989 100,00% 6.095.118 100,00% 56,17%
Total Customer Deposits
CASA 15,54% 12,77%
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Pertumbuhan Produk Giro Tahun 2021-2025
Growth of Current Accounts 2021-2025
(Rp miliar | Billions of IDR)
541
166
183
85
48
● 2025 2024 2023 2022 2021
Pertumbuhan Produk Tabungan Tahun 2021-2025
Growth of Savings Accounts 2021-2025
(Rp miliar | Billions of IDR)
938
693
465
309
104
● 2025 2024 2023 2022 2021
Pertumbuhan Produk Deposito Tahun 2021-2025
Growth of Deposits 2021-2025
(Rp miliar | Billions of IDR)
8.040
5.316
4.385
4.067
1.854
● 2025 2024 2023 2022 2021
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Profitabilitas Kegiatan Usaha
Profitability of Business Activities
Profitabilitas Bank dikelompokkan berdasarkan kedua kegiatan The Bank's profitability is grouped based on its two main
utama yang dimiliki, yakni Produk Kredit dan Produk Simpanan. activities: Credit Products and Deposit Products. The profitability
Adapun profitabilitas kegiatan usaha Bank dapat dilihat sebagai of the Bank's business activities can be seen detailed below:
berikut:
Kenaikan (Penurunan)
2025 (Rp juta) 2024 (Rp juta) Increase (Decrease)
Uraian
2025 2024
Description Nominal (Rp juta) Persentase (%)
(Millions of IDR) (Millions of IDR)
Nominal (Millions of IDR) Percentage (%)
Kinerja Produk Kredit 9.140.731 7.478.035 1.662.696 22.23%
Lending Product Performance
Kinerja Produk Simpanan 9.518.989 6.095.118 3.423.871 56.17%
Savings Product Performance
Pendapatan (Beban) Non-Operasional – Neto (876) 127 (1.003) -789.76%
Non-Operating Income (Expenses)– Net
Laba Periode Berjalan 737.019 598.950 138.069 23,05%
Profit for the Current Period
Jumlah Aset 18.470.073 13.984.014 4.486.059 32,08%
Total Assets
Jumlah Liabilitas 10.964.028 6.718.277 4.245.751 63,20%
Total Liabilities
Per 31 Desember 2025, kinerja produk kredit tercatat sebesar As of 31 December, 2025, the Bank's credit product performance
Rp9,14 triliun yang terutama berasal dari kelompok segmentasi was recorded at IDR9.14 trillion. This was primarily derived from
kredit Bank, yaitu Kredit segmen Wholesale dan Kredit segmen the Bank's credit segmentation groups, specifically, Corporate
Retail. Sementara, kinerja produk simpanan tercatat sebesar Loans and Consumer Loans. Meanwhile, deposit product
Rp9,52 triliun yang dikontribusikan oleh produk giro, tabungan, performance was recorded at IDR9.52 trillion, which was
dan deposito. contributed by current accounts, savings accounts, and time
deposits.
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Tinjauan
Keuangan
● Financial Review
Analisis dan pembahasan kinerja The analysis and discussion of the Bank's
keuangan Bank dalam Laporan Tahunan financial performance in this Annual
ini mengacu pada Laporan Keuangan Report uses the Financial Statements of
PT Allo Bank Indonesia Tbk untuk tahun- PT Allo Bank Indonesia Tbk for the years
tahun yang berakhir pada 31 Desember that ended 31 December, 2025, and
2025 dan 2024 yang telah diaudit 2024 as references, which have been
oleh Kantor Akuntan Publik (KAP) Amir audited by the Public Accounting Firm
Abadi Jusuf, Aryanto, Mawar & Rekan (KAP) Amir Abadi Jusuf, Aryanto, Mawar
dengan opini wajar tanpa pengecualian. & Partners with an unqualified opinion.
Penyajian dan pengungkapan Laporan This presentation and disclosure of the
Keuangan Bank disusun sesuai dengan Bank's Financial Statements has been
Standar Akuntansi Keuangan (SAK) di prepared in accordance with Indonesian
Indonesia, yang mencakup Pernyataan Financial Accounting Standards
Standar Akuntansi Keuangan (PSAK), (SAK), which include the Statements
Interpretasi Standar Akuntansi Keuangan of Financial Accounting Standards
(ISAK) yang dikeluarkan oleh Dewan (PSAK), Interpretations of Financial
Standar Akuntansi Keuangan-Ikatan Accounting Standards (ISAK) issued
Akuntan Indonesia (DSAK-IAI), serta by the Financial Accounting Standards
Peraturan Pasar Modal yang berlaku Board of the Indonesian Institute of
antara lain Peraturan Badan Pengawas Accountants (DSAK-IAI), and applicable
Pasar Modal dan Lembaga Keuangan Capital Market Regulations, including
(Bapepam-LK) No. VIII.G.7 tentang Regulation of the Capital Market and
Pedoman Penyajian Laporan Keuangan, Financial Institution Supervisory Agency
keputusan Ketua Bapepam-LK No. (Bapepam-LK) No. VIII.G.7 concerning
KEP-347/BL/2012 tentang Penyajian Guidelines for the Presentation of
dan Pengungkapan Laporan Keuangan Financial Statements, Decree of the
Emiten atau Perusahaan Publik. Chairman of Bapepam-LK No. KEP-347/
BL/2012 concerning the Presentation
and Disclosure of Financial Statements
of Issuers or Public Companies.
Posisi Keuangan
Financial Position
Kenaikan (Penurunan)
2025 (Rp juta) 2024 (Rp juta) Increase (Decrease)
Uraian
2025 2024
Description Nominal (Rp juta) Persentase (%)
(Millions of IDR) (Millions of IDR)
Nominal (Millions of IDR) Percentage (%)
Jumlah Aset 18.470.073 13.984.014. 4.486.059 32,08%
Total Assets
Jumlah Liabilitas 10.964.028 6.718.277 4.245.751 63,20%
Total Liabilities
Jumlah Ekuitas 7.506.045 7.265.737 240.308 3,31%
Total Equity
Jumlah Liabilitas dan Ekuitas 18.470.073 13.984.014 4.486.059 32,08%
Total Liabilities and Equity
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Selama tahun 2025, Bank berhasil membukukan kinerja yang Throughout 2025, the Bank successfully recorded a strong
baik sebagaimana tercermin dari pertumbuhan posisi keuangan performance, as reflected in the growth of the Bank's financial
Bank. Sepanjang tahun buku, jumlah aset Bank tercatat position. Throughout the fiscal year, the Bank's total assets
mengalami peningkatan sebesar 32,08% menjadi Rp18,47 increased by 32.08% to IDR18.47 trillion, primarily driven
triliun, terutama didorong oleh pertumbuhan kredit yang by loan growth in both the Wholesale and Retail segments.
disalurkan baik di segmen Wholesale maupun Retail. Sementara Meanwhile, equity grew 3.31% to IDR7.51 trillion, reflecting
itu, ekuitas tumbuh 3,31% menjadi Rp7,51 triliun mencerminkan positive organic growth from retained earnings and current
pertumbuhan positif secara organik dari perolehan laba ditahan income. This strong equity position is highly supportive of the
dan laba berjalan. Posisi ekuitas yang kuat ini sangat suportif Bank's future growth aspirations and positions Allo Bank as
untuk mendukung aspirasi pertumbuhan Bank di masa depan one of the best-capitalized digital-based commercial banks in
dan memposisikan Allo Bank sebagai salah satu bank umum Indonesia.
berbasis digital dengan permodalan terbaik di Indonesia.
Aset
Assets
Kenaikan (Penurunan)
2025 (Rp juta) 2024 (Rp juta) Increase (Decrease)
Uraian
2025 2024
Description Nominal (Rp juta) Persentase (%)
(Millions of IDR) (Millions of IDR)
Nominal (Millions of IDR) Percentage (%)
Aset Produktif 17.418.944 13.263.938 4.155.006 31,33%
Earning Assets
Penempatan pada Bank Indonesia & Bank Lain 450.000 2.649.927 (2.199.927) -83,02%
Placements with Bank Indonesia & Other Banks
Kredit yang Diberikan 9.140.731 7.478.035 1.662.696 22,23%
Loans
Efek-efek 7.539.264 2.847.270 4.691.994 164,79%
Marketable Securities
Tagihan atas Surat Berharga yang Dibeli 288.949 288.706 243 0,08%
dengan Janji Dijual Kembali (Reverse Repo)
Receivables on Securities Purchased under
Agreements to Resell (Reverse Repo)
Aset Non Produktif 1.051.129 720.076 331.053 45,97%
Non-Earning Assets
Kas dan Giro pada Bank Indonesia 474.321 236.847 237.474 100,26%
Cash and Current Accounts with Bank
Indonesia
Aset Tetap – Bersih 256.036 324.421 (68.385) -21,08%
Fixed Assets – Net
Cadangan Kerugian Penurunan Nilai (157.891) (104.540) (53.351) 51,03%
Allowance for Impairment Losses
Lainnya 478.663 263.348 215.315 81,76%
Others
Jumlah Aset 18.470.073 13.984.014 4.486.059 32,08%
Total Assets
Per 31 Desember 2025, Bank membukukan jumlah aset As of December 31, 2025, the Bank recorded total assets of
sebesar Rp18,47 triliun, meningkat Rp4,49 triliun atau 32,08% IDR18.47 trillion, an increase of IDR4.49 trillion, or 32.08%,
dibanding tahun 2024 yang sebesar Rp13,98 triliun. Hal ini compared to IDR13.98 trillion in 2024. This increase was driven
disebabkan oleh pertumbuhan kredit yang disalurkan baik di by loan growth in both the wholesale and retail segments.
segmen Wholesale maupun Retail.
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Liabilitas
Liabilities
Kenaikan (Penurunan)
2025 (Rp juta) 2024 (Rp juta) Increase (Decrease)
Uraian
2025 2024
Description Nominal (Rp juta) Persentase (%)
(Millions of IDR) (Millions of IDR)
Nominal (Millions of IDR) Percentage (%)
Dana Pihak Ketiga 9.518.989 6.095.118 3.423.871 56,17%
Third Party Funds
Giro 540.588 85.336 455.252 533,48%
Current Accounts
Tabungan 938.258 693.272 244.986 35,34%
Savings Accounts
Deposito 8.040.143 5.316.510 2.723.633 51,23%
Deposits
Simpanan dari Bank Lain 300.047 5.224 294.823 5643,63%
Deposits from Other Banks
Kewajiban Surat Berharga Repo 754.056 286.522 467.534 163,18%
Repo Securities Obligations
Kewajiban Lainnya 390.936 331.413 59.523 17,96%
Other Liabilities
Jumlah Liabilitas 10.964.028 6.718.277 4.245.751 63,20%
Total Liabilitas
Di tahun 2025, jumlah liabilitas Bank tercatat sebesar Rp10,96 In 2025, the Bank's total liabilities were recorded at IDR10.96
triliun, mengalami peningkatan Rp4,25 triliun atau 63,20% trillion, an increase of IDR4.25 trillion, or 63.20%, from IDR6.72
dari tahun 2024 yang sebesar Rp6,72 triliun. Hal ini terutama trillion in 2024. This increase was primarily due to a rapid
disebabkan oleh peningkatan Dana Pihak Ketiga yang tumbuh 56% annual increase in Third Party Funds to IDR9.519 trillion,
pesat sebesar 56% secara tahunan menjadi Rp9,519 triliun, reflecting growing customer trust.
yang mencerminkan meningkatnya kepercayaan nasabah.
Ekuitas
Equity
Kenaikan (Penurunan)
2025 (Rp juta) 2024 (Rp juta) Increase (Decrease)
Uraian
2025 2024
Description Nominal (Rp juta) Persentase (%)
(Millions of IDR) (Millions of IDR)
Nominal (Millions of IDR) Percentage (%)
Modal Saham 2.163.987 2.173.026 (9.039) -0.42%
Share Capital
Tambahan Modal Disetor 3.756.330 3.868.733 (112.403) -2.91%
Additional Paid-in Capital
Surplus Revaluasi Aset Tetap - - - -
Fixed Asset Revaluation Surplus
Pengukuran Kembali atas Program Imbalan (7.118) (3.701) (3.417) 92.33%
Pasti
Re-measurement of Defined Benefit Plan
Keuntungan yang Belum Direalisasikan dari 13.893 (10.395) 24.288 -233.65%
Efek Pada Nilai Wajar melalui Penghasilan
Komprehensif Lain
Unrealized Gains on Securities at Fair Value
through Other Comprehensive Income
Saldo Laba (Defisit)
Retained Earnings (Deficit)
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Kenaikan (Penurunan)
2025 (Rp juta) 2024 (Rp juta) Increase (Decrease)
Uraian
2025 2024
Description Nominal (Rp juta) Persentase (%)
(Millions of IDR) (Millions of IDR)
Nominal (Millions of IDR) Percentage (%)
Ditentukan Penggunaannya 2.063 2.060 3 0,15%
Appropriated
Tidak Ditentukan Penggunaannya 1.576.890 1.236.014 340.876 27,58%
Unappropriated
Jumlah Ekuitas 7.506.045 7.265.737 240.308 3,31%
Total Equity
Jumlah ekuitas Bank di tahun 2025 adalah sebesar Rp7,51 The Bank's total equity in 2025 was IDR7.51 trillion, an increase
triliun, meningkat Rp240,31 miliar atau 3,31% dibanding tahun of IDR240.31 billion, or 3.31%, compared to IDR7.27 trillion in
2024 sebesar Rp7,27 triliun. Hal ini terutama disebabkan oleh 2024. This increase was primarily due to organic equity growth
pertumbuhan ekuitas secara organik dari perolehan laba from retained earnings and current income.
ditahan dan laba berjalan.
Laba (Rugi) dan Penghasilan Komprehensif Lain
Profit (Loss) and Other Comprehensive Income
Kenaikan (Penurunan)
2025 (Rp juta) 2024 (Rp juta) Increase (Decrease)
Uraian
2025 2024
Description Nominal (Rp juta) Persentase (%)
(Millions of IDR) (Millions of IDR)
Nominal (Millions of IDR) Percentage (%)
Pendapatan Operasional 1.983.391 1.446.728 536.663 37,09%
Operating Income
Pendapatan Bunga Bersih 1.440.818 1.117.502 323.316 28,93%
Net Interest Income
Pendapatan Operasional selain Bunga 542.573 329.226 213.347 64,80%
Operating Income other than Interest
Biaya Kerugian Penurunan Nilai Aset (437.377) (113.880) (323.497) 284,07%
Keuangan
Impairment Losses on Financial Assets
Biaya Operasional (808.119) (734.025) (74.094) 10,09%
Operating Expenses
Laba (Rugi) Operasional 737.895 598.823 139.072 23,22%
Operating Profit (Loss)
Pendapatan Non Operasional (876) 127 (1.003) -789,76%
Non-Operating Income
Laba (Rugi) Sebelum Pajak Penghasilan 737.019 598.950 138.069 23,05%
Profit (Loss) Before Income Tax
Laba (Rugi) Bersih 574.262 467.106 107.156 22,94%
Net Profit (Loss)
Pendapatan (Beban) Komprehensif Lainnya 20.871 (86.445) 107.316 -124,14%
Other Comprehensive Income (Expenses)
Total Laba Komprehensif 595.133 380.661 214.472 56,34%
Total Comprehensive Income
Laba Bersih per Saham (dalam Rupiah Penuh) 26,46 21,50 4,96 23,09%
Net Earnings per Share (in Rupiah)
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Pendapatan Bunga Bersih Net Interest Income
Pada tahun 2025, Bank membukukan pendapatan bunga In 2025, the Bank recorded a net interest income of IDR1.44
bersih sebesar Rp1,44 triliun, meningkat Rp323 miliar atau trillion, which marked an increase of IDR323 billion or the
setara dengan 28,93% dibanding tahun 2024 yang sebesar equivalent of 28.93% compared to IDR1.12 trillion in 2024.
Rp1,12 triliun, didukung oleh pertumbuhan penyaluran kredit di Net interest income was primarily influenced by the growth of
tengah kondisi makroekonomi yang menantang. loan distribution in the midst of challenging macroeconomic
condition.
Laba Sebelum Pajak Profit Before Tax
Bank membukukan laba sebelum pajak sebesar Rp737 miliar di The Bank recorded a profit before tax of IDR737 billion in
tahun 2025, meningkat Rp139 miliar atau 23,05% dibanding 2025, which marked an increase of IDR139 billion or 23.05%
tahun sebelumnya sebesar Rp599 miliar. Peningkatan tersebut compared to IDR599 billion in the previous year. This increase
terutama disebabkan adanya peningkatan kredit, baik dari was primarily due to the growth of loans, both from Wholesale
segmen Wholesale maupun Retail. and Retail segments.
Laba Setelah Pajak Profit After Tax
Per 31 Desember 2025, Bank membukukan laba setelah pajak As of 31 December, 2025, the Bank recorded a profit after tax
sebesar Rp574 miliar, meningkat Rp107 miliar atau 22,94% of IDR574 billion, which marked an increase of IDR107 billion
jika dibandingkan dengan tahun 2024 yang sebesar Rp467 or 22.94% compared to IDR467 billion in 2024. The increase
miliar. Peningkatan tersebut terutama disebabkan adanya was primarily due to the growth of loans, both from Wholesale
peningkatan kredit, baik dari segmen Wholesale maupun Retail. and Retail segments.
Penghasilan Komprehensif Tahun Berjalan Comprehensive Income for the Year
Penghasilan komprehensif dihitung dengan menambah Comprehensive income is calculated by adding gains from
keuntungan dari perubahan nilai atas instrumen utang yang changes in the value of debt instruments measured at fair
diukur pada nilai wajar melalui penghasilan komprehensif lain- value through other comprehensive income (net) minus the
neto dikurangi pengukuran kembali liabilitas imbalan pasca re-measurement of post-employment benefit liabilities (net).
kerja-neto. Di tahun 2025, jumlah penghasilan komprehensif In 2025, total comprehensive income for the year was IDR21
tahun berjalan adalah sebesar Rp21 miliar, mengalami billion, which marked an increase of IDR107 billion or 124.14%
peningkatan Rp107 miliar atau 124,14% dibanding tahun compared to the previous year's IDR86 billion. This was due to
sebelumnya sebesar Rp86 miliar. Hal ini disebabkan adanya changes in unrealized profit on securities that are classified as
Perubahan keuntungan yang belum direalisasi atas efek-efek fair value through comprehensive income.
yang diklasifikasikan sebagai nilai wajar melalui pendapatan
komprehensif lain.
Laba per Saham Dasar Basic Earnings per Share
Laba per saham dasar dihitung dengan membagi laba tahun Basic earnings per share are calculated by dividing current year
berjalan yang tersedia bagi pemegang saham dengan rata- earnings available to shareholders by the weighted average
rata tertimbang jumlah saham biasa yang beredar pada tahun number of common shares outstanding during the year. In
bersangkutan. Di tahun 2025, Bank membukukan laba per 2025, the Bank recorded basic earnings per share of IDR26.46,
saham dasar sebesar Rp26,46 atau meningkat sebesar 23,09% which marked an increase of 23.09% from IDR21.5 in 2024.
dari tahun 2024 Rp21,5. Hal ini sejalan dengan peningkatan This was in line with the increase in loans, both from Wholesale
Laba Setelah Pajak didorong peningkatan kredit, baik dari and Retail segments.
segmen Wholesale maupun Retail.
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Arus Kas
Cash Flow
Kenaikan (Penurunan)
2025 (Rp juta) 2024 (Rp juta) Increase (Decrease)
Uraian
2025 2024
Description Nominal (Rp juta) Persentase (%)
(Millions of IDR) (Millions of IDR)
Nominal (Millions of IDR) Percentage (%)
Arus Kas dari Aktivitas Operasi 3.086.300 871.727 2.214.573 254,04%
Cash Flow from Operating Activities
Arus Kas dari Aktivitas Investasi (4.575.756) 231.542 (4.807.298) -2076,21%
Cash Flow from Investing Activities
Arus Kas dari Aktivitas Pendanaan (365.514) (13.984) (351.530) 2513,80%
Cash Flow from Financing Activities
Kenaikan (Penurunan) Bersih Kas dan Setara Kas (1.854.970) 1.089.285 (2.944.255) -270,29%
Net Increase (Decrease) in Cash and Cash
Equivalents
Kas dan Setara Kas Awal Tahun 2.942.660 1.853.375 1.089.285 58,77%
Cash and Cash Equivalents at the Beginning
of the Year
Kas dan Setara Kas Akhir Tahun 1.087.690 2.942.660 (1.854.970) -63,04%
Cash and Cash Equivalents at the End of the Year
Di tahun 2025, Bank membukukan jumlah kas dan setara kas In 2025, the Bank reported year-end cash and cash equivalents
akhir tahun sebesar Rp1,09 triliun, menurun Rp1,85 triliun atau of IDR1.09 trillion, a decrease of IDR1.85 trillion, or 63.04%,
turun 63,04% jika dibandingkan dengan tahun 2024 yang compared to IDR2.94 trillion in 2024. This decrease was
sebesar Rp2,94 triliun. Penurunan ini terutama berasal dari primarily due to investment activities, particularly an increase in
aktivitas investasi terutama peningkatan kepemilikan atas efek- holdings of securities issued by the Government of Indonesia.
efek yang diterbitkan oleh Pemerintah Indonesia.
Arus Kas dari Aktivitas Operasi Cash Flow from Operating Activities
Hingga akhir tahun 2025, Bank mencatatkan kas bersih yang By the end of 2025, the Bank reported net cash used in
digunakan untuk aktivitas operasi sebesar Rp3,09 triliun, naik operating activities of IDR3.09 trillion, an increase of IDR2.21
Rp2,21 triliun atau 254,04% jika dibandingkan dengan tahun trillion, or 254.04%, compared to IDR871.17 billion in 2024.
2024 sebesar Rp871,17 miliar. Hal ini utamanya dipengaruhi This was primarily driven by growth in deposits and an increase
oleh peningkatan simpanan dan peningkatan pendapatan in operating income.
operasional.
Arus Kas dari Aktivitas Investasi Cash Flow from Investing Activities
Di tahun 2025, Bank mencatatkan kas bersih yang digunakan In 2025, the Bank recorded net cash used in investing activities
untuk aktivitas investasi sebesar Rp4,58 triliun, naik Rp4,81 of IDR4.58 trillion, an increase of IDR4.81 trillion, or 2,076.21%,
triliun atau 2.076,21% dari pengeluaran tahun 2024 yang from the 2024 expenditure of IDR231.5 billion. This was
sebesar Rp231,5 miliar. Hal ini dipengaruhi oleh peningkatan driven by an increase in holdings of securities issued by the
kepemilikan atas efek-efek yang diterbitkan oleh Pemerintah Government of Indonesia.
Indonesia.
Arus Kas dari Aktivitas Pendanaan Cash Flow from Financing Activities
Arus kas yang digunakan untuk aktivitas pendanaan Bank Cash flows used in the Bank’s financing activities totaled IDR376
tercatat sebesar Rp376 miliar di tahun 2025, mengalami billion in 2025, an increase of IDR352 billion, or 2,513.80%,
peningkatan Rp352 miliar atau 2.513,80% dibanding tahun compared to IDR13.98 billion in 2024. This was primarily due to
2024 yang sebesar Rp13,98 miliar. Hal tersebut utamanya dividend payments and share buybacks.
disebabkan oleh pembagian dividen dan pembelian kembali
saham.
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Kualitas Aset Produktif dan Rasio Kinerja Keuangan
Productive Asset Quality and Financial Performance Ratios
Uraian Pertumbuhan (%)
2025 (%) 2024 (%)
Description Growth (%)
Rasio Kecukupan Modal 73,94% 82,58% -8,64%
Capital Adequacy Ratio
KPMM Tier 1 73,10% 81,71% -8,61%
Tier 1 CAR
KPMM Tier 2 0,84% 0,87% -0,03%
Tier 2 CAR
Aset Tetap terhadap Ekuitas 2,95% 3,75% -0,81%
Fixed Assets to Equity
Aset Produktif dan Non-Produktif Bermasalah terhadap 0,85% 0,46% 0,39%
Total Aset Produktif dan Non-Produktif
Problem-Fixed and Non-Productive Assets to Total
Productive and Non-Productive Assets
Aset Produktif Bermasalah terhadap Total Aset Produktif 0,85% 0,46% 0,39%
Problem-Fixed Assets to Total Productive Assets
CKPN Aset Keuangan terhadap Aset Produktif 1,01% 0,78% 0,22%
Financial Asset Allowance (CKPN) to Productive Assets
NPL Bruto 1,64% 0,81% 0,82%
Gross NPL
NPL Neto 0,60% 0,40% 0,21%
Net NPL
Tingkat Pengembalian atas Aset 4,91% 4,48% 0,43%
Return on Assets
Tingkat Pengembalian atas Ekuitas 7,93% 6,78% 1,15%
Return on Equity
Marjin Bunga Bersih 10,11% 8,88% 1,23%
Net Interest Margin
Biaya Operasional terhadap Pendapatan Operasional 68,87% 66,78% 2,09%
(BOPO)
Operating Expenses to Operating Income (BOPO)
Rasio Biaya terhadap Pendapatan 41,29% 50,76% -9,47%
Cost-to-Income Ratio
Rasio Kredit terhadap Dana Pihak Ketiga 96,03% 122,69% -26,66%
Credit to Deposit Ratio
Rasio Dana Murah (CASA terhadap Dana Pihak Ketiga) 15,54% 12,77% 2,76%
Low-Cost Funds Ratio (CASA to Deposit Ratio)
Rasio Liabilitas terhadap Ekuitas 146,07% 92,47% 53,60%
Liability to Equity Ratio
Rasio Liabilitas terhadap Aset 59,36% 48,04% 11,32%
Liability to Asset Ratio
Rasio Kas dan Setara Kas terhadap Liabilitas 9,92% 43,80% -33,88%
Cash and Cash Equivalents to Liabilities Ratio
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Kemampuan Membayar Utang dan
Tingkat Kolektibilitas Piutang
● Debt Repayment Capacity and Receivables Collectibility Level
Kemampuan Bank menggunakan rasio likuiditas, The Bank uses liquidity ratios, solvency
rasio solvabilitas, dan rasio rentabilitas ratios, and Profitability ratios measure
Membayar Utang
untuk mengukur kemampuannya dalam its ability to meet all its short and long-
Debt Repayment Capacity memenuhi seluruh kewajibannya, baik term obligations. These ratios illustrate
jangka pendek maupun jangka panjang. the Bank's ability to meet all maturing
Rasio-rasio tersebut menggambarkan obligations on time, including principal
kemampuan Bank dalam memenuhi payments and interest expenses.
seluruh kewajiban yang akan jatuh
tempo secara tepat waktu, baik terhadap
pembayaran pokok utang maupun
beban bunga.
Rasio Likuiditas Liquidity Ratios
Bank menggunakan rasio likuiditas The Bank uses liquidity ratios to measure
untuk mengukur kemampuannya dalam its ability to meet short-term obligations.
memenuhi kewajiban jangka pendek. The liquidity ratio consists of the ratio of
Rasio likuiditas sendiri terdiri dari rasio cash and cash equivalents to liabilities,
kas dan setara kas terhadap liabilitas, with the ratio recorded at 9.92% in
di mana rasio tersebut tercatat sebesar 2025, indicating an increase/decrease
9,92% di tahun 2025 atau mengalami compared to 43.80% in 2024. This
penurunan jika dibandingkan dengan achievement indicates the Bank's well-
tahun 2024 yang sebesar 43,80%. maintained liquidity condition.
Capaian ini menunjukkan bahwa kondisi
likuiditas Bank yang terjaga dengan baik.
Rasio Solvabilitas Solvency Ratios
Bank menggunakan rasio solvabilitas The Bank uses solvency ratios to
untuk mengukur kemampuannya dalam measure its ability to meet all short and
memenuhi seluruh kewajiban, baik long-term obligations. This solvency
jangka pendek maupun jangka panjang. ratio is reflected in the Capital Adequacy
Rasio solvabilitas ini tercermin dari Rasio Ratio (CAR), which was recorded at
Permodalan atau Capital Adequacy 73.9% in 2025. This achievement also
Ratio (CAR) yang tercatat berada indicates that the Bank's capital ratio
di posisi 73,9% pada tahun 2025. has exceeded the minimum regulatory
Capaian ini juga menunjukkan bahwa requirements. This ratio was still very
rasio permodalan Bank telah melebihi adequate and is still deemed capable of
ketentuan batas minimal yang diterapkan absorbing potential losses.
oleh regulator. Rasio ini masih sangat
memadai dan dinilai mampu menyerap
potensi kerugian yang dihadapi.
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Rasio Rentabilitas Profitability Ratios
Bank mengukur kemampuannya dalam menghasilkan laba The Bank measures its ability to generate profits over a specific
pada periode tertentu dengan menggunakan rasio rentabilitas. period using profitability ratios. Profitability is reflected in the
Rentabilitas tercermin dari Rasio Imbal Hasil atas Aset (ROA) Return on Assets (ROA) and Return on Equity (ROE) ratios. In
dan Rasio Imbal Hasil atas Ekuitas (ROE). Di tahun 2025, ROA 2025, the Bank's ROA and ROE were recorded at 4.91% and
dan ROE Bank masing-masing tercatat sebesar 4,91% dan 7.93%, respectively, which marked an increase compared to
7,93%, di mana capaian tersebut mengalami peningkatan jika 4.48% and 6.78% in 2024. It was aligned with the enhancement
dibanding tahun 2024 yang sebesar 4,48% dan 6,78% dan of overall performance and net profit after tax.
selaras dengan peningkatan kinerja keseluruhan dan laba
bersih setelah pajak.
Tingkat Kolektibilitas Piutang
Receivables Collectibility Level
Bank mengukur kemampuannya dalam menagih piutang yang The Bank measures its ability to collect receivables through
dimiliki melalui rasio kualitas aset Bank yang terdiri dari Rasio asset quality ratios that consist of the Gross NPL and Net NPL
NPL Gross dan NPL Net. Dalam mengukur rasio tersebut, ratios. When measuring these ratios, a lower ratio indicates a
semakin kecil nilai rasionya, maka menunjukkan semakin baik better ability for the Bank to collect its receivables.
pula kemampuan Bank dalam mengumpulkan piutangnya.
Di tahun 2025, NPL Gross Bank tercatat sebesar 1,64% atau In 2025, the Bank's Gross NPL was recorded at 1.64%. This
mengalami peningkatan dari tahun sebelumnya yang sebesar marked an increase from the previous year's 0.81%. Meanwhile,
0,81%. Sementara, NPL Net Bank di tahun 2025 adalah sebesar the bank's net NPL in 2025 was 0.60%. This marked an
0,60%, meningkat dari tahun sebelumnya yang sebesar 0,40%. increase from the previous year's 0.40%. This figure reflects
Kenaikan ini mencerminkan peningkatan kredit segmen Retail an increase in retail segment credit through digital applications,
melalui aplikasi digital, namun secara keseluruhan kualitas but overall credit quality remains well maintained.
kredit tetap terjaga dengan baik.
Dampak Adanya Perubahan Kinerja Bank
Impacts Resulting from Bank Performance Changes
Di tahun 2025, Bank berhasil meraih capaian yang baik di In 2025, the Bank was able to successfully achieve favorable
tengah kondisi yang menantang. Kemampuan Bank dalam results despite challenging conditions. The Bank's ability to
menjaga kinerjanya tercermin dari kinerja total pendapatan maintain its performance is reflected in the performance of
operasional yang mencapai Rp1,98 triliun pada tahun 2025, total operating income which reached IDR1.98 trillion in 2025,
dimana pencapaian ini mengalami peningkatan sebesar 37,1% which marked an increase of 37.1% from 2024's IDR1.45 trillion,
dari tahun 2024 yang mencapai Rp1,45 triliun, didorong oleh driven by growth in net interest income and fee-based income.
pertumbuhan pendapatan bunga bersih maupun pendapatan Net interest income grew 29% to IDR1.441 trillion, while fee-
berbasis biaya. Pendapatan bunga bersih tumbuh 29% menjadi based income grew 65% to IDR543 billion, supported by credit
Rp1,441 triliun, sementara pendapatan berbasis biaya tumbuh distribution amidst challenging macroeconomic conditions.
65% menjadi Rp543 miliar, didukung oleh penyaluran kredit di
tengah kondisi makroekonomi yang menantang.
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Struktur Modal dan Kebijakan
Manajemen atas Struktur Modal
● Capital Structure and Capital Structure Management Policy
Kebijakan Struktur Modal Allo Bank senantiasa mengelola struktur Allo Bank consistently manages its
permodalan dengan tujuan untuk capital structure to ensure the Bank
Capital Structure Policy
memastikan bahwa Bank memiliki modal has strong capital to support its current
kuat untuk mendukung strategi yang strategy and maintain sustainable future
diterapkan saat ini dan mempertahankan development. This policy also aims
kelangsungan pengembangan di masa to meet regulatory capital adequacy
mendatang. Kebijakan ini juga bertujuan requirements and ensure the efficiency
untuk memenuhi ketentuan kecukupan of the Bank's capital structure. To
permodalan yang ditetapkan oleh this end, the Bank has consistently
regulator serta memastikan efisiensi planned its capital structure based on
struktur permodalan Bank. Untuk itu, an assessment and review of required
Bank senantiasa melakukan perencanaan capital requirements while combining
struktur modal berdasarkan penilaian this with analyses of prevailing economic
dan penelaahan atas kebutuhan conditions.
permodalan yang dipersyaratkan dan
mengkombinasikannya dengan kondisi
ekonomi yang terjadi.
Rencana permodalan yang disusun oleh All capital plans prepared by the Board
Direksi menjadi bagian dari Rencana of Directors are integrated into the
Bisnis Bank (RBB) yang selanjutnya Bank Business Plan (RBB), which is then
disetujui oleh Dewan Komisaris. Rencana subsequently approved by the Board of
permodalan Bank disusun berdasarkan Commissioners. The Bank's capital plan
penilaian atas kecukupan kebutuhan is prepared based on an assessment
permodalan yang dipersyaratkan, of the adequacy of required capital
rencana pengembangan usaha, serta requirements, business development
kebutuhan likuiditas Bank. plans, and liquidity needs.
Dasar Pemilihan Pengelolaan struktur modal Bank The Bank's capital structure management
senantiasa mengacu pada Peraturan has consistently adhered to Financial
Struktur Modal
Otoritas Jasa Keuangan (POJK) No. Services Authority Regulation (POJK)
Basis for Capital Structure
11/POJK.03/2016 tentang Kewajiban No. 11/POJK.03/2016 concerning the
Selection Penyediaan Modal Minimum Bank Minimum Capital Adequacy Requirement
Umum yang menetapkan struktur modal for Commercial Banks, which stipulates
paling rendah sebesar 9% - 14% dari a minimum capital structure of 9% -
ATMR sesuai dengan Tingkat Profil 14% of Risk-Based Assets (RWA) in
Risiko. Berdasarkan penilaian internal, accordance with a Bank's Risk Profile
Direksi menetapkan Rasio Penyediaan Level. Based on an internal assessment,
Modal Minimum (KPMM) Bank adalah the Board of Directors has set the
sebesar 9,90% atau memenuhi Bank's own Minimum Capital Adequacy
ketentuan yang berlaku. Ratio (KPMM) at 9.90%, which meets
applicable regulations.
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Allo Bank juga telah memenuhi kewajiban modal inti minimum Allo Bank has also met the minimum core capital requirement
sebesar Rp3 triliun sesuai dengan POJK No. 12/POJK.03/2020 of IDR3 trillion in accordance with POJK No. 12/POJK.03/2020
tanggal 16 Maret 2020 tentang Konsolidasi Bank Umum. dated 16 March, 2020, concerning Commercial Bank
Hal tersebut sejalan dengan masuknya Allo Bank ke dalam Consolidation. This aligns with Allo Bank's inclusion in the
Kelompok Bank Berdasarkan Modal Inti 2 (KBMI 2) menyusul Banks Based on Core Capital 2 (KBMI 2) Group following its
dengan Right Issue yang dilakukan pada tahun 2022. Rights Issue in 2022.
Rincian Struktur Modal
Capital Structure Details
Berdasarkan POJK No. 11/POJK.03/2016 tentang Kewajiban Based on OJK Regulation No. 11/POJK.03/2016 concerning
Penyediaan Modal Minimum Bank Umum, struktur permodalan the Minimum Capital Requirement for Commercial Banks, a
Bank terdiri dari Modal Inti (Tier 1) dan Modal Pelengkap (Tier bank's capital structure consists of Core Capital (Tier 1) and
2). Struktur permodalan Allo Bank dalam 2 (dua) tahun terakhir Supplementary Capital (Tier 2). The following are details of Allo
yang memperhatikan risiko-risiko terkait dapat dilihat sebagai Bank's capital structure over the past two years (after taking
berikut: risks into account):
Kenaikan (Penurunan)
2025 (Rp juta) 2024 (Rp juta) Increase (Decrease)
Uraian
2025 2024
Description Nominal (Rp juta) Persentase (%)
(Millions of IDR) (Millions of IDR)
Nominal (Millions of IDR) Percentage (%)
Modal Inti (Tier 1) 7.392.067 7.112.796 279.271 3,93%
Core Capital (Tier 1)
Modal Pelengkap (Tier 2) 84.769 75.392 9.377 12,44%
Supplementary Capital (Tier 2)
Total Modal 7.476.836 7.188.188 288.648 4,02%
Total Capital
ATMR Risiko Kredit 9.503.829 8.256.451 1.247.378 15,11%
Credit Risk RWA
ATMR Risiko Pasar 62.171 - 62.171 0,00%
Market Risk RWA
ATMR Risiko Operasional 546.105 448.282 97.823 21,82%
Operational Risk RWA
Total ATMR 10.112.105 8.704.733 1.407.372 16,17%
Total RWA
Rasio KPMM sesuai Profil Risiko (%) 9,90 9,90 - 0,00%
CAR Ratio according to Risk Profile (%)
Dari CET 1 (%) 9,03 0,03 0,31%
From CET 1 (%) 9,06
Dari AT 1 (%) - - - 0,00%
From AT 1 (%)
Dari Tier 2 (%) 0,84 0,87 (0,03) -3,21%
From Tier 2 (%)
Rasio KPMM
CAR Ratio
Rasio CET 1 73,58 81,71 (8,13) -9,95%
CET 1 Ratio
Rasio Tier 1 73,10 81,71 (8,61) -10,54%
Tier 1 Ratio
Rasio Tier 2 0,84 0,87 (0,03) -3,21%
Tier 2 Ratio
CET 1 untuk Buffer (%) 64,52 72,68 (8,16) -11,23%
CET 1 for Buffers (%)
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Kenaikan (Penurunan)
2025 (Rp juta) 2024 (Rp juta) Increase (Decrease)
Uraian
2025 2024
Description Nominal (Rp juta) Persentase (%)
(Millions of IDR) (Millions of IDR)
Nominal (Millions of IDR) Percentage (%)
Persentase Buffer yang Wajib Dipenuhi oleh Bank:
Percentage of Buffers Required by Banks:
Capital Conservation Buffer 2,50 2,50% - -
Countercyclical Buffer - - - -
Capital Surcharge untuk Bank Sistemik - - - -
Capital Surcharge for Systemic Banks
Komitmen dan Kontingensi
Commitments and Contingencies
Kenaikan (Penurunan)
2025 (Rp juta) 2024 (Rp juta) Increase (Decrease)
Uraian
2025 2024
Description Nominal (Rp juta) Persentase (%)
(Millions of IDR) (Millions of IDR)
Nominal (Millions of IDR) Percentage (%)
Komitmen
Commitments
Liabilitas Komitmen
Commitment Liabilities
Fasilitas Kredit kepada Nasabah yang Belum (6.653.705) (2.337.458) (4.316.247) 184,66%
Digunakan
Unused Credit Facilities to Customers
Kontingensi
Contingencies
Tagihan Kontingensi
Contingent Receivables
Pendapatan Bunga dalam Penyelesaian 88.190 14.302 73.888 516,63%
Interest Income in Settlement
Kredit Hapus Buku 99.493 356.175 357,99%
Credit Write-Offs 455.668
Total Komitmen dan Kontingensi - Neto (6.109.847) (2.223.663) (3.886.184) 174,76%
Total Commitments and Contingencies - Net
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Ikatan yang Material untuk
Investasi Barang Modal
● Material Commitments for Capital Investments
Hingga 31 Desember 2025, Bank As of 31 December, 2025, the Bank did
tidak memiliki ikatan yang material not have any material commitments
untuk investasi barang modal. Dengan for capital investments. As such, there
demikian, tidak terdapat informasi yang is no information related to this matter
berkaitan dengan hal tersebut, seperti (such as the name of parties entering
nama dari pihak yang melakukan ikatan, into the commitment, the purpose of
tujuan dari perikatan, sumber dana yang the commitment, the source of funds
disiapkan untuk memenuhi perikatan allocated to fulfill the commitment,
tersebut, denominasi mata uang the currency denomination of the
dalam ikatan tersebut, dan langkah- commitment, and the steps the Bank
langkah yang direncanakan Bank untuk plans to hedge the risk of the related
melindungi risiko dari posisi mata uang foreign currency position) that can be
asing yang terkait. put in this report.
Realisasi Investasi
Barang Modal
● Capital Goods Investment Realization
Jenis dan Nilai Investasi Bagi Bank, investasi barang modal For banks, capital goods investment
merupakan salah satu hal yang penting is crucial for long-term business
Barang Modal
dalam mengembangkan bisnis secara development. Details on the Bank's
Types and Value of Capital realization of capital goods investment
jangka panjang. Adapun realisasi
Goods Investment investasi barang modal dalam waktu over the past two years are outlined in
2 (dua) tahun terakhir adalah sebagai the following table:
berikut:
Kenaikan (Penurunan)
2025 (Rp juta) 2024 (Rp juta) Increase (Decrease)
Uraian
2025 2024
Description Nominal (Rp juta) Persentase (%)
(Millions of IDR) (Millions of IDR)
Nominal (Millions of IDR) Percentage (%)
Renovasi Bangunan 78 541 (463) -85,58%
Building Renovations
Kendaraan 20 18 2 11,11%
Vehicles
Peralatan Kantor 4.160 110.526 (106.366) -96,24%
Office Equipment
Aset dalam Penyelesaian - - - -
Assets in Construction
Aset Hak Guna Sewa 13.752 7.350 6.402 87,10%
Leasehold Assets
Jumlah 18.010 118.435 (100.425) -84,79%
Total
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Pada tahun 2025, Bank telah merealisasikan biaya investasi In 2025, the Bank incurred capital expenditure of IDR18 billion,
barang modal sebesar Rp18 miliar, menurun Rp100 miliar a decrease of IDR100 billion, or 85%, compared to IDR118.4
atau 85% dibanding tahun 2024 yang sebesar Rp118,4 miliar. billion in 2024. It was mainly due to the fact that capital
Penurunan ini lebih disebabkan karena pada tahun 2024 expenditures in 2024 had a significant value.
terdapat investasi barang modal yang nilainya signifikan.
Tujuan Investasi Barang Modal
Objectives of Capital Goods Investment
Secara umum, tujuan utama investasi barang modal yang In general, the primary objective of the Bank's capital goods
dilakukan Bank adalah untuk membeli atau menambah aset investments is to purchase or add to its fixed assets to support
tetap yang dimiliki oleh Bank guna menunjang kegiatan its daily operations. This investment is designed to meet
operasional sehari-hari. Investasi ini diharapkan dapat operational needs in line with sustainable business expansion,
memenuhi kegiatan operasional sejalan dengan ekspansi bisnis thereby providing added value to the Bank in the future.
yang berkesinambungan sehingga mampu memberikan nilai
tambah bagi Bank di masa mendatang.
Informasi Material mengenai Investasi,
Ekspansi, Divestasi, Penggabungan
Usaha, Akuisisi, dan/atau
Restrukturisasi Utang/Modal
● Material Information Regarding Investment, Expansion,
Divestment, Merger, Acquisition, and/or Debt/Capital
Restructuring
Hingga 31 Desember 2024, Bank As of December 31, 2024, the Bank
tidak memiliki informasi material does not have any material information
mengenai investasi, ekspansi, divestasi, regarding investment, expansion,
penggabungan usaha, akuisisi dan/ divestment, merger, acquisition and/
atau restrukturisasi utang/modal or debt/capital restructuring of any
yang berpengaruh terhadap kinerja kind that affects the Company's
keuangan maupun kinerja operasional financial performance or operational
Perusahaan. Dengan demikian, tidak performance. As such, there is no such
terdapat informasi tersebut yang dapat information on this matter that can be
disampaikan dalam Laporan Tahunan ini. conveyed in this Annual Report.
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Perbandingan antara Target Anggaran
dengan Realisasi dan Proyeksi Usaha
● Comparison of Budget Targets with Realization and Business
Projections
Bank secara rutin menyusun dan The Bank has regularly prepared and
menetapkan Rencana Bisnis Bank establish its own Bank Business Plan
(RBB) setiap awal tahun buku dengan (RBB) at the start of each fiscal year to
tujuan untuk menetapkan target yang establish targets it aimed to achieve.
hendak dicapai. RBB disusun dengan The Bank's RBB for 2025 was prepared
memperhatikan kondisi yang terjadi while taking into account conditions
sepanjang tahun 2025 sehingga dapat throughout 2025 to support the
mendukung tercapainya visi dan misi achievement of the Bank's vision and
Bank. Perbandingan antara realisasi dan mission. Details on the final comparison
target pada tahun 2025 serta proyeksi between the Bank's actual results and its
tahun 2026 dapat dilihat sebagai target for 2025 (as well as its projections
berikut: for 2026) can be seen below:
RBB 2026
Pencapaian terhadap
Realisasi Realisasi RBB 2026
Realisasi RBB 2025 terhadap RBB RBB 2026 2025 (%) terhadap RBB
2025 (Rp miliar) 2025 (%) (Rp miliar) Bank Business 2025 (%)
Uraian (Rp miliar) 2025 Bank Results 2026 Bank Plan 2026 Bank Business
Description 2025 Results Business Plan Achieved Business Plan Results Plan 2026
(Billions of (Billions of Compared to (Billions of Achieved versus Bank
IDR) IDR) the 2025 Bank IDR) Compared to Business Plan
Business Plan the 2025 Bank 2025 (%)
(%) Business Plan
(%)
Pendapatan Bunga bersih 1.437 1.421 101,1% 1.874 130,4% 131,8%
Net Interest Income
Laba Tahun Berjalan 737 536 137,6% 776 105,3% 144,8%
Sebelum Pajak
Profit for the Year Before Tax
Jumlah Aset 18.470 15.958 115,7% 20.699 112,1% 129,7%
Total Assets
Kredit yang Diberikan 9.141 9.550 95,7% 11.050 120,9% 115,7%
Credit Disbursed
Dana Pihak Ketiga 9.519 7.810 121,9% 12.278 129,0% 157,2%
Third Party Funds
Jumlah Ekuitas 7.506 7.268 103,3% 7.827 104,3% 107,7%
Total Equity
NPL Gross (%) 1,64% 1,57% 104,4% 1,78% 108,6% 113,4%
Gross NPL (%)
CAR (%) 73,94% 68,54% 107,9% 64,07% 86,6% 93,5%
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Informasi dan Fakta Material yang Terjadi
Setelah Tanggal Laporan Akuntan
● Material Information and Facts Occurring After the Accountant's
Report Date
Sejak akhir periode 31 Desember 2025 Between the end of December 31, 2025,
hingga tanggal laporan akuntan pada until the date of the accountant's report
23 Februari 2026, Bank tidak memiliki on February 23, 2026, the Bank did not
peristiwa atau kejadian penting yang experience any instances of significant
berpengaruh signifikan terhadap events or occurrences that significantly
laporan keuangan Bank. impacted the Bank's financial statements.
Prospek
Usaha
● Business Prospects
Memasuki periode mendatang, prospek As a new year has arrived, the national
usaha nasional diperkirakan tetap business outlook is expected to remain
berada pada jalur pertumbuhan yang on a positive growth path despite facing
positif meskipun dihadapkan pada uncertain global dynamics. As has been
dinamika global yang masih penuh reported from a book titled "Resilient
ketidakpastian. Sebagaimana dikutip and Independent: Synergy to Drive
dari buku Pertemuan Tahunan Bank Higher and Resilient Economic Growth,"
Indonesia 2025 yang bertajuk Tangguh the Indonesian economy is projected
dan Mandiri: Sinergi Mendorong to grow in the range of 4.7% - 5.5%
Pertumbuhan Ekonomi Lebih Tinggi dan thanks to the support of solid domestic
Berdaya Tahan, menjelaskan bahwa, demand, particularly when it comes to
perekonomian Indonesia diproyeksikan household consumption and investment.
tumbuh pada kisaran 4,7% - 5,5%, Inflation is expected to remain under
didukung oleh permintaan domestik control within the target range of 2.5%
yang tetap solid, khususnya konsumsi ± 1%, which serves to reflect maintained
rumah tangga dan investasi. Inflasi price stability and the effectiveness of
diperkirakan tetap terkendali dalam the current monetary, fiscal, and real
sasaran 2,5% ± 1%, mencerminkan sector policy mix.
stabilitas harga yang terjaga dan
efektivitas bauran kebijakan moneter,
fiskal, dan sektor riil.
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Proyeksi Ekonomi Indonesia 2025-2031
Indonesia Economic Projections 2025-2031
2031
2031 2031
Indikator Satuan Super Optimis
2025 2026 2027 Baseline Optimis
Indicators Unit 2031 Super
2031 Baseline 2031 Optimistic
Optimistic
Pertumbuhan Ekonomi %, yoy 4,7–5,5 4,9–5,7 5,1–5,9 5,6–6,4 6,1–6,9 6,9–7,7
Economic Growth
Inflasi IHK %, yoy 2,5 ± 1 2,5 ± 1 2,5 ± 1 2,5 ± 1 2,5 ± 1 2,5 ± 1
IHK Inflation
Transaksi Berjalan %PDB 0,1 s.d. -0,7 -0,2 s.d. -1,0 -0,4 s.d. -1,2 0,2 s.d. -0,6 0,3 s.d. -0,5 0,4 s.d. -0,4
Ongoing Transactions
Kredit Perbankan %, yoy 8–11 8–12 9–13 10–14 11–15 12–16
Banking Credit
Sumber: Proyeksi Bank Indonesia
Source: Bank Indonesia Projection
Stabilitas makroekonomi tersebut menciptakan lingkungan This macroeconomic stability has resulted in a relatively
usaha yang relatif kondusif bagi dunia usaha dan sektor conducive business environment for the business world and
keuangan. Aktivitas investasi diproyeksikan terus meningkat the financial sector. Investment activity is projected to continue
seiring berlanjutnya pembangunan infrastruktur, penguatan increasing along with continued infrastructure development,
sektor manufaktur bernilai tambah, serta percepatan strengthening of the value-added manufacturing sector, and
transformasi ekonomi digital. Di sisi eksternal, ketahanan neraca an accelerating of digital economic transformation. Externally,
pembayaran dan cadangan devisa yang memadai diharapkan a resilient balance of payments and adequate foreign exchange
tetap menjadi penyangga utama dalam menjaga stabilitas nilai reserves are predicted to remain key buffers in maintaining
tukar di tengah volatilitas pasar keuangan global. exchange rate stability in the midst of global financial market
volatility.
Dalam konteks tersebut, iklim usaha industri perbankan nasional In this context, the business climate in the national banking
diperkirakan tetap positif, meskipun menghadapi tantangan industry is expected to remain positive, despite facing challenges
dari arah kebijakan suku bunga global yang masih relatif from a relatively tight global interest rate policy direction
ketat dan meningkatnya persaingan di industri jasa keuangan. and increasing competition in the financial services industry.
Pertumbuhan kredit perbankan secara industri diproyeksikan Banking credit growth across the industry is projected to be at
berada di level 8-12%, sejalan dengan meningkatnya 8 - 12%, which would be in line with the increasing need for
kebutuhan pembiayaan sektor produktif, konsumsi rumah financing in the productive sector, household consumption, and
tangga, serta pembiayaan Usaha Mikro, Kecil, dan Menengah financing for Micro, Small, and Medium Enterprises (MSMEs).
(UMKM). Sementara itu, pertumbuhan Dana Pihak Ketiga (DPK) Meanwhile, growth in Third Party Funds (TPF) is expected to
diperkirakan berada pada level yang baik, mencerminkan remain at a healthy level, reflecting maintained public trust in
kepercayaan masyarakat yang tetap terjaga terhadap sistem the banking system.
perbankan.
Stabilitas sistem keuangan nasional diperkirakan tetap kuat, The stability of the national financial system is expected to
ditopang oleh tingkat permodalan perbankan yang memadai, remain strong, supported by adequate bank capital levels,
likuiditas yang terjaga, serta kualitas aset yang relatif stabil. maintained liquidity, and relatively stable asset quality. The
Rasio kredit bermasalah (Non-Performing Loan/NPL) secara industry-wide non-performing loan (NPL) ratio is projected
industri diproyeksikan tetap terkendali dalam batas yang sehat, to remain under control within healthy limits, in line with the
seiring dengan penerapan prinsip kehati-hatian dan penguatan implementation of prudential principles and strengthening risk
manajemen risiko oleh perbankan. management by banks.
Namun demikian, industri perbankan juga dihadapkan pada However, the banking industry also faces a number of structural
sejumlah tantangan struktural, antara lain meningkatnya challenges, including increased pressure on the cost of funds,
tekanan biaya dana, kebutuhan investasi berkelanjutan pada as well as a need for continuous investment in information
infrastruktur teknologi informasi, serta persaingan yang semakin technology infrastructure, and intensified competition from
ketat dengan lembaga keuangan non-bank dan pemain non-bank financial institutions and digital players. These
digital. Kondisi tersebut mendorong perbankan untuk terus conditions have encouraged banks to continuously improve
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meningkatkan efisiensi operasional, memperkuat diferensiasi their operational efficiency, strengthen product differentiation,
produk, serta mengoptimalkan pemanfaatan teknologi dan and optimize their use of technology and data in service
data dalam pengembangan layanan dan manajemen risiko. development and risk management.
Ke depan, peluang pertumbuhan industri perbankan In the future, growth opportunities in the banking industry are
diperkirakan semakin terbuka seiring dengan meningkatnya predicted to expand further along with increasing financial
inklusi keuangan, akselerasi digitalisasi sistem pembayaran, inclusion, accelerating digitalization of payment systems, and
serta penguatan ekosistem keuangan digital. Perbankan a strengthening of the digital financial ecosystem. Banks are
diharapkan mampu memanfaatkan momentum pertumbuhan expected to capitalize on the momentum of national economic
ekonomi nasional dengan menyalurkan pembiayaan secara growth by disbursing financing selectively and with quality,
selektif dan berkualitas, sekaligus menjaga keseimbangan while maintaining a balance between business growth and
antara pertumbuhan bisnis dan prinsip kehati-hatian. prudential principles.
Secara keseluruhan, prospek usaha ke depan menunjukkan Overall, the Bank's future business outlook shows a constructive
arah yang konstruktif dengan fondasi ekonomi nasional yang direction that is supported by a strong national economic
kuat dan sistem keuangan yang stabil. Dalam iklim usaha foundation and a stable financial system. In a competitive
perbankan yang kompetitif dan dinamis, kemampuan Bank and dynamic banking business climate, the Bank's ability to
dalam merespons perubahan lingkungan usaha, mengelola respond to changes in the business environment, manage risks
risiko secara prudent, serta menghadirkan inovasi produk prudently, and deliver relevant product and service innovations
dan layanan yang relevan akan menjadi faktor kunci dalam will be key factors in creating sustainable growth and long-term
menciptakan pertumbuhan yang berkelanjutan dan nilai jangka value for all stakeholders.
panjang bagi seluruh pemangku kepentingan.
Aspek
Pemasaran
● Marketing Aspects
Strategi Pemasaran Perseroan menetapkan strategi akuisisi The Company has established a targeted
nasabah yang terarah dan berkelanjutan and sustainable customer acquisition
Marketing Strategy
sebagai bagian dari upaya memperluas strategy as part of its efforts to expand
basis bisnis dan meningkatkan kualitas its business base and improve its quality
pertumbuhan. Fokus akuisisi diarahkan of growth. Its acquisitions focuses on
pada segmen nasabah yang memiliki customer segments with long-term
potensi pertumbuhan jangka panjang, growth potential, both in terms of third-
baik dari sisi dana pihak ketiga maupun party funds and credit distribution, all the
penyaluran kredit, dengan tetap while still taking risk profiles and prudent
memperhatikan profil risiko dan prinsip principles into consideration.
kehati-hatian.
Strategi akuisisi nasabah dilakukan Its customer acquisition strategy is
melalui pendekatan berbasis kebutuhan implemented through a needs-based
dan pemetaan potensi pasar pada approach and by its mapping of
segmen ritel, UMKM, serta nasabah market potential in the retail, MSME,
komersial dan korporasi tertentu yang and certain commercial and corporate
sejalan dengan kompetensi inti Bank. customer segments, all of which is in
Perseroan juga mengoptimalkan line with the Bank's core competencies.
pemanfaatan data dan analisis portofolio The Company also optimizes its use of
nasabah untuk meningkatkan efektivitas customer data and portfolio analysis to
penawaran produk, memperkuat cross- improve the effectiveness of its product
selling, serta meningkatkan retensi offerings, strengthen cross-selling, and
nasabah eksisting. enhance its existing customer retention.
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Sejalan dengan arah pertumbuhan bisnis yang ditetapkan In line with its business growth direction that it has set out for
dalam Rencana Bisnis Bank (RBB), Perseroan menargetkan itself in its Bank Business Plan (RBB), the Company has targeted
peningkatan jumlah nasabah secara konsisten setiap tahunnya, a consistent annual increase in customer numbers and a level of
dengan pertumbuhan yang diharapkan selaras dengan growth that is expected to align with credit expansion and third-
ekspansi kredit dan penghimpunan dana pihak ketiga. Upaya party fundraising. These acquisition efforts are balanced by
akuisisi tersebut diimbangi dengan penguatan proses Know efforts at strengthening Know Your Customer (KYC) processes,
Your Customer (KYC), manajemen risiko, serta peningkatan risk management, and improving service quality to maintain
kualitas layanan guna menjaga pertumbuhan yang sehat dan healthy and sustainable growth.
berkelanjutan.
Dalam rangka mendukung efektivitas strategi pemasaran, To support the effectiveness of our marketing strategy, efforts
penguatan kanal digital menjadi salah satu fokus utama, at strengthening digital channels have become a key focus.
seiring dengan perubahan perilaku nasabah dan meningkatnya All of this is in line with changing customer behaviors and an
kebutuhan akan layanan perbankan yang cepat, mudah, dan increasing need for fast, easy, and secure banking services.
aman. Perseroan secara berkelanjutan mengembangkan The Company is continuously developing digital capabilities to
kapabilitas digital untuk mendukung kegiatan pemasaran, mulai support its marketing activities, from customer acquisition and
dari akuisisi nasabah, promosi produk, hingga layanan purna product promotion to after-sales service. This digitalization is
jual. Digitalisasi ini diharapkan dapat meningkatkan efisiensi designed to improve marketing cost efficiency while expanding
biaya pemasaran sekaligus memperluas jangkauan pasar tanpa market reach without relying solely on physical network
bergantung sepenuhnya pada ekspansi jaringan fisik. expansions.
Di sisi lain, jaringan kantor tetap memainkan peran strategis, Meanwhile, our branch network continues to play a strategic
khususnya dalam membangun hubungan dengan nasabah, role, particularly in building relationships with customers,
menangani kebutuhan transaksi bernilai besar, serta mendukung handling large-value transactions, and supporting customer
akuisisi nasabah di wilayah dengan potensi ekonomi yang terus acquisition in regions with growing economic potential.
berkembang. Integrasi antara kanal fisik dan digital menjadi Integration between physical and digital channels is key to
kunci dalam menciptakan pengalaman nasabah yang konsisten creating a consistent and high-quality customer experience.
dan berkualitas.
Di lain pihak, Perseroan memandang sinergi dan kemitraan Furthermore, the Company views synergy and strategic
strategis sebagai salah satu pilar penting dalam memperkuat partnerships as crucial pillars in strengthening its marketing
strategi pemasaran dan mempercepat pertumbuhan bisnis. strategy and accelerating business growth. The Bank actively
Bank secara aktif menjajaki dan mengembangkan kerja explores and develops collaborations with various strategic
sama dengan berbagai mitra strategis, baik dalam ekosistem partners, both within the financial ecosystem and the real
keuangan maupun sektor riil, guna memperluas akses pasar sector, to expand market access and boost added value for
dan meningkatkan nilai tambah bagi nasabah. customers.
Sinergi dilakukan melalui kerja sama dengan entitas dalam grup The Bank's synergy is achieved through collaborations
usaha yaitu CT Corp, institusi keuangan lainnya, serta berbagai with entities within the CT Corp business group, with other
mitra non-bank untuk mendukung akuisisi nasabah, distribusi financial institutions, and with various non-bank partners
produk, dan pengembangan layanan berbasis kebutuhan to support customer acquisition, product distribution, and
spesifik. Kemitraan tersebut mencakup pemanfaatan jaringan the development of needs-based services. This partnership
mitra, integrasi sistem, serta pengembangan produk dan encompasses leveraging partner networks, system integration,
layanan bersama yang dapat meningkatkan daya saing Bank and joint product and service development that can enhance
di tengah persaingan industri perbankan yang semakin ketat. the Bank's competitiveness in the midst of increasingly fierce
competition in the banking industry.
Melalui pendekatan sinergi yang terstruktur dan selektif, Through a structured and selective synergy approach, the
Perseroan berharap dapat mengoptimalkan potensi pasar, Company hopes to optimize its market potential, efficiently
memperluas basis nasabah secara efisien, serta memperkuat expand its customer base, and strengthen its position within
posisi Bank dalam ekosistem perbankan dan jasa keuangan the national banking and financial services ecosystem. All
nasional. Seluruh inisiatif kemitraan tetap dijalankan dengan partnership initiatives are implemented with due regard for the
memperhatikan prinsip tata kelola yang baik, manajemen risiko principles of good governance, adequate risk management,
yang memadai, serta kepatuhan terhadap ketentuan regulator. and compliance with legal requirements.
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Pangsa Pasar
Market Share
Kebutuhan nasabah dalam bertransaksi pada era digital adalah Customer needs in transacting in the digital era are the Bank's
prioritas utama Bank dalam menciptakan produk & layanan main priority in creating innovative digital-based products &
berbasis digital yang inovatif dan memberikan kemanfaatan services that provide economic benefits not only for the Bank
ekonomi tidak hanya untuk Bank tetapi juga nasabah. Bank but also for customers. The Bank always takes the initiative
senantiasa berinisiatif untuk menyusun strategi, target jangka to formulate strategies, short-term and long-term targets in
pendek dan jangka panjang dalam rangka mengembangkan order to develop the Bank's business scale as a benchmark for
skala bisnis Bank sebagai tolak ukur keberhasilan performa successful performance by creating competitive advantages to
dengan menciptakan keunggulan keunggulan kompetitif untuk become a leading digital based general bank.
menjadi bank umum berbasis digital terdepan.
Dalam kondisi ekonomi yang menantang ini industri perbankan In these challenging economic conditions, the banking industry
diharapkan untuk berkembang sebagai salah satu fondasi untuk is expected to develop as one of the foundations for maintaining
menjaga ketahanan perekonomian nasional. Salah satu cara the resilience of the national economy. One way that is generally
yang secara umum dilakukan oleh industri perbankan adalah done by the banking industry is to digitize banking services.
melakukan digitalisasi layanan perbankan. Hal ini dilakukan This is done to increase access to banking services to people
untuk meningkatkan akses terhadap layanan perbankan kepada who are included in the bankable population criteria but do
masyarakat yang termasuk kriteria bankable population namun not have a bank account, especially in consideration that the
tidak memiliki akun pada bank dengan mempertimbangkan potential for increasing digital banking services in the national
bahwa Potensi peningkatan layanan perbankan secara digital banking industry is still quite high.
dalam industri perbankan nasional masih cukup tinggi.
Kebijakan Dividen
dan Pembagiannya
● Dividend Policy and Distribution
Kebijakan Pembagian Pembayaran dividen yang dilakukan oleh The Bank's dividend payments were
Bank dilakukan sesuai dengan Undang- made in accordance with Law No. 40
Dividen
Undang No. 40 Tahun 2007 tentang of 2007 concerning Limited Liability
Dividend Distribution Policy Companies and on the basis of its
Perseroan Terbatas dan kebijakan
internal mengenai pembagian dividen. own internal policy regarding dividend
Mengacu pada Pasal 71 ayat 3 Undang- distributions. The Bank would make use
Undang No. 40 Tahun 2007, Anggaran of Article 71 Paragraph 3 of Law No. 40
Dasar Bank dan kebijakan internal, Bank of 2007, its own Articles of Association,
dapat membagikan dividen kepada and internal policies as references to
pemegang saham apabila Bank memiliki distribute dividends to shareholders
saldo laba yang positif dan sesuai dengan whenever the Bank had a positive
kemampuan keuangan perusahaan, retained earnings balance. It was also
berdasarkan ketentuan yang berlaku. permissible if such a distribution process
Rencana pembagian dividen didasarkan was in accordance with the Company's
atas pemenuhan hak pemegang saham financial capabilities and was carried
dengan mengutamakan kepentingan out in accordance with applicable
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Bank tanpa mengabaikan sejumlah faktor, seperti tingkat regulations. Its dividend distribution plan is done on the basis
kesehatan keuangan, tingkat kecukupan modal, serta of fulfilling shareholder rights and prioritizes the Bank's interests
kebutuhan dana untuk ekspansi usaha tanpa mengurangi hak without neglecting several factors, such as financial health,
dari RUPS untuk menentukan lain sesuai dengan ketentuan capital adequacy, and funding requirements for business
Anggaran Dasar. expansion. All of this is without prejudice to the right of the
GMS to determine otherwise in accordance with the provisions
of the Articles of Association.
Kronologis Pembagian Dividen
Dividend Distribution Chronology
2025 2024
Dividen Saham
(untuk Dividen Saham Tahun Buku 2025) (untuk Dividen Saham Tahun Buku 2024)
Stock Dividends
2025 (for Stock Dividends for 2025) 2024 (for Stock Dividends for 2024)
Laba Bersih (Rp juta) 467.106 444.566
Net Profit (Millions of IDR)
Jumlah Dividen (Rp) 233.382.954.186 Nihil
Dividend Amount (IDR) None
Dividen per Saham (Rp) 10,74 -
Dividend per Share (IDR)
Payout Ratio (%) 49,96% -
Tanggal Pengumuman 10 April 2025 -
Announcement Date April 10, 2025
Tanggal Pembayaran 30 April 2025 -
Payment Date April 30, 2025
Kontribusi
terhadap Negara
● Contributions to the State
Bank berkomitmen untuk selalu The Bank is always committed to
mematuhi peraturan yang berlaku complying with applicable regulations
dalam menjalankan setiap kegiatan as it carries out all its business activities.
usahanya, termasuk dalam memenuhi This include fulfilling its tax obligations.
kewajibannya dalam hal pembayaran Fulfilling tax payments is one way
pajak. Pemenuhan pembayaran pajak Allo Bank contributes to the state
merupakan salah satu bentuk kontribusi (considering that the Bank is a taxpayer
Allo Bank kepada negara mengingat with an obligation to pay Corporate
Bank merupakan wajib pajak yang Income Tax.
memiliki kewajiban penyetoran PPh
Badan.
Di tahun 2025, jumlah PPh Badan yang In 2025, the amount of corporate income
disetorkan oleh Bank adalah sebesar tax paid by the Bank was IDR168 billion,
Rp168 miliar, naik 23% jika dibandingkan a 23% increase compared to 2024.
tahun 2024.
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Informasi tentang Program Kepemilikan
Saham oleh Karyawan dan/atau
Manajemen (ESOP/MSOP)
● Information on Employee and/or Management Stock
Ownership Programs (ESOP/MSOP)
Per 31 Desember 2025, Bank tidak As of 31 December, 2025, the Bank did
memiliki program kepemilikan saham not have any kind of employee and/or
oleh karyawan (ESOP) dan/atau management stock ownership program
manajemen (MSOP). Dengan demikian, (ESOP). As such, no information related
tidak terdapat informasi terkait ESOP/ to ESOP/MSOP can be presented in this
MSOP yang dapat disajikan dalam Annual Report.
Laporan Tahunan ini.
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Informasi tentang Realisasi Penggunaan
Dana Hasil Penawaran Umum
● Information on the Realization of the Use of Proceeds from
Public Offerings
Allo Bank telah melakukan Penawaran Umum Terbatas (PUT) di tahun 2022 dalam rangka Penambahan Modal dengan Memberikan
Hak Memesan Efek Terlebih Dahulu (PMHMETD) III kepada para pemegang saham sebanyak 10.047.322.871 saham biasa atau
sebesar 46,24% dari modal ditempatkan dan disetor penuh setelah PMHMETD III dengan nilai nominal Rp100 setiap saham dengan
Harga Pelaksanaan Rp478 per saham, sehingga jumlah dana yang diterima Bank dalam PMHMETD III ini sebesar Rp4.802.620
juta. Adapun realisasi penggunaan dana hasil penawaran umum tersebut per 31 Desember 2024 adalah sebagai berikut:
Rencana Penggunaan Dana
Nilai Realisasi Hasil Penawaran Umum Menurut Prospektus
Realization of Funds Resulting from Public Offering Fund Appropriation Plan According
Jenis to the Prospectus
Penawaran
Tanggal Efektif Jumlah Hasil
Umum Biaya
Effective Date Penawaran Infrastruktur IT
Public Offering Penawaran
Type Umum Hasil Bersih Kredit (85%) (10%)
Umum
Total Public Net Proceeds Credit (85%) IT Infrastructure
Public Offering
Offering (10%)
Costs
Proceeds
Penawaran Umum 26 Januari 2022 4.802.620 2.224 4.800.396 4.080.336 480.040
Terbatas III 26 Jaunary, 2022
Limited Public
Offering III
Berdasarkan dana hasil PMHMETD III yang diperoleh Bank (setelah dikurangi komisi, biaya, dan bebas emisi lainnya), digunakan dengan rincian sebagai
berikut:
1. Rp4.080.336 juta (85%) untuk Kredit;
2. Rp480.040 juta (10%) untuk Infrastruktur IT;
3. Rp240.020 juta (5%) untuk Pengembangan operasional.
Per 31 Desember 2024, Bank telah sepenuhnya merealisasikan penggunaan dana yang diperoleh dalam PMHMETD III menurut prospektus.
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Allo Bank conducted a Limited Public Offering (PUT) in 2022 to boost its capital through its issuance of Pre-emptive Rights Issue
(PMHMETD) III to shareholders that amounted to 10,047,322,871 common shares. These shares represented 46.24% of the Bank's
issued and fully paid-up capital after PMHMETD III. The shares had a par value of IDR100 per share and an Exercise Price of IDR478
per share. Accordingly, the total funds received by the Bank from PMHMETD III amounted to IDR4,802,620 million. The Bank's
realization of its proceeds from its public offering as of 31 December, 2024, is as follows:
Realisasi Penggunaan Dana Menurut Prospektus Sisa Dana
Fund Appropriation Plan According to the Prospectus Hasil
Penawaran
Umum
Pengembangan Pengembangan Remaining
Operasional (5%) Jumlah Kredit Infrastruktur IT Operasional Jumlah Funds from
Operational Total Credit IT Infrastructure Operational Total Public
Development (5%) Development Offering
240.020 4.800.396 4.080.336 480.040 240.020 4.800.396 -
Based on the Bank's proceeds from the PMHMETD III it obtained (after deducting commissions, fees, and other emission-free amounts), its allocation is as
follows:
1. IDR4,080,336 million (85%) for Credit;
2. IDR480,040 million (10%) for IT Infrastructure;
3. IDR240,020 million (5%) for Operational Development.
As of 31 December, 2024, the Bank has fully realized its use of proceeds obtained from PMHMETD III (as stated in its prospectus).
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Informasi Transaksi Material yang
Mengandung Benturan Kepentingan
dan/atau Transaksi dengan Pihak
Afiliasi/Pihak Berelasi
● Information on Material Transactions Containing Conflicts of
Interest and/or Transactions with Affiliated/Related Parties
Kebijakan Mekanisme Bank telah memiliki kebijakan terkait The Bank has a policy for dealing
transaksi yang mengandung benturan with transactions containing conflicts
Review atas Transaksi dan
kepentingan dan/atau transaksi dengan of interest and/or transactions with
Pemenuhan Peraturan dan
pihak berelasi. Bank melakukan seluruh related parties. The Bank conducts
Ketentuan Terkait transaksi dengan pihak afiliasi dengan all transactions with affiliated parties
Transaction Review memperhatikan prinsip kehati-hatian with due regard to the principle of
Mechanism Policy and sesuai dengan praktik bisnis yang prudence. It carries these transactions
Compliance with Related berlaku umum serta telah memenuhi out in accordance with generally
Regulations and Provisions Peraturan OJK No. 42/POJK.04/2020 accepted business practices and in
tentang Transaksi Afiliasi dan Transaksi compliance with Financial Services
Benturan Kepentingan dan PSAK No. Authority Regulation (POJK) No. 42/
224 tentang Pengungkapan Pihak-pihak POJK.04/2020 concerning Affiliated
Berelasi. Party Transactions and Conflict of
Interest Transactions and Statement of
Financial Accounting Standards (PSAK)
No. 224 concerning Related Party
Disclosures.
Direksi senantiasa memastikan seluruh The Board of Directors consistently
kegiatan transaksi afiliasi yang dilakukan works to ensure that all affiliated party
telah melalui proses yang memadai transactions are conducted through an
sesuai dengan prinsip transaksi yang adequate process that is in accordance
wajar (arm’s length principle). Dewan with the Arm's Length Principle. The
Komisaris dan Komite Audit juga telah Board of Commissioners and the Audit
melakukan review untuk memastikan Committee have also conducted reviews
bahwa transaksi afiliasi dilaksanakan to ensure that affiliated party transactions
sesuai dengan praktik bisnis yang are all carried out in accordance with
berlaku umum dan telah memenuhi generally accepted business practices
prinsip transaksi yang wajar (arm’s and comply with the Arm's Length
length principle). Mekanisme review atas Principle. The review mechanism for
transaksi dengan pihak afiliasi dan/atau transactions with affiliated parties and/or
pihak berelasi dilakukan melalui proses related parties is conducted through an
audit oleh Satuan Kerja Audit Internal audit process by the Internal Audit Unit,
yang hasilnya kemudian dilaporkan the results of which are then reported to
kepada Dewan Komisaris. the Board of Commissioners.
Per 31 Desember 2025, Bank tidak As of 31 December, 2025, the Bank
memiliki transaksi yang mengandung didn't have any transactions containing
benturan kepentingan yang bersifat material conflicts of interest that would
material dan berdampak terhadap kinerja impact its financial and operational
keuangan dan kinerja operasional. performance.
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Transaksi dengan Pihak Berelasi
Transactions with Related Parties
Sepanjang tahun 2025, Bank melakukan transaksi dengan pihak Throughout 2025, the Bank conducted various transactions with
berelasi yang dilakukan dengan memenuhi prinsip transaksi related parties in accordance with the Arm's Length Principle.
yang wajar (arm’s length principle) sesuai dengan persyaratan These transactions have been carried out in accordance with
yang disetujui oleh kedua belah pihak, yang mungkin tidak terms that have been agreed upon by both parties, which may
sama dengan transaksi lain yang dilakukan dengan pihak-pihak differ from other transactions with unrelated parties. All related
yang tidak berelasi. Seluruh transaksi dengan pihak berelasi party transactions conducted by the Bank have also complied
yang dilakukan oleh Bank juga telah sesuai dengan PSAK with PSAK No. 224 concerning Disclosure of Related Parties
No. 224 tentang Pengungkapan Pihak-pihak Berelasi dan and Bapepam-LK Regulation No. KEP-347/BL/2012 dated 25
Peraturan Bapepam LK No. KEP-347/BL/2012 tanggal 25 Juni June, 2012, concerning the Presentation and Disclosure of
2012 tentang Penyajian dan Pengungkapan Laporan Keuangan Financial Statements of Issuers or Public Companies.
Emiten atau Perusahaan Publik.
Nama, Sifat, Hubungan, dan Sifat Transaksi Berelasi
Name, Nature of Relationship, and Nature of Related Transactions
Pihak Berelasi Sifat Hubungan Berelasi Sifat Transaksi
Related Parties Nature of Related Parties Nature of Transactions
PT Mega Corpora Pemegang Saham Dana Setoran Modal, Simpanan, dan Beban Bunga
Shareholders Capital Deposits, Savings,and Interest Expenses
PT Bukalapak.com Tbk Pemegang Saham Dana Setoran Modal, Simpanan, dan Beban Bunga
Shareholders Capital Deposits, Savings,and Interest Expenses
PT Bank Mega Tbk Dimiliki oleh Pemegang Saham akhir yang sama Kustodian, Giro pada Bank Lain
Owned by the same ultimate shareholder Custodian, Current Account with Other Banks
PT Bank Mega Syariah Dimiliki oleh Pemegang Saham akhir yang sama Giro pada Bank Lain
Owned by the same ultimate shareholder Current accounts with other banks
PT Trans Media Corpora Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Owned by the same ultimate shareholder Savings and Interest Expenses
PT Duta Visual Nusantara Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Tivi Tujuh Owned by the same ultimate shareholder Savings and Interest Expenses
PT Asuransi Umum Mega Dimiliki oleh Pemegang Saham akhir yang sama Asuransi Pemberian Kredit dan Properti, Simpanan, dan Beban Bunga
Owned by the same ultimate shareholder Credit and Property Insurance, Deposits and Interest Expenses
PT CT Corpora Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Owned by the same ultimate shareholder Savings and Interest Expenses
PT Trans Corpora Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Owned by the same ultimate shareholder Savings and Interest Expenses
PT PFI Mega Life Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Insurance Owned by the same ultimate shareholder Savings and Interest Expenses
PT Allo Fresh Indonesia Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Owned by the same ultimate shareholder Savings and Interest Expenses
PT Trans Retail Indonesia Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Owned by the same ultimate shareholder Savings and Interest Expenses
PT Mega Capital Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Sekuritas Owned by the same ultimate shareholder Savings and Interest Expenses
PT Trans Kalla Makassar Dimiliki oleh Pemegang Saham akhir yang sama Kredit yang Diberikan, Pendapatan Bunga, Simpanan, dan Beban Bunga
Owned by the same ultimate shareholder Credit and Property Insurance, Deposits and Interest Expenses
PT Mega Finance Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Owned by the same ultimate shareholder Savings and Interest Expenses
PT Mega Central Finance Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Owned by the same ultimate shareholder Savings and Interest Expenses
PT Mega Auto Finance Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Owned by the same ultimate shareholder Savings and Interest Expenses
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Pihak Berelasi Sifat Hubungan Berelasi Sifat Transaksi
Related Parties Nature of Related Parties Nature of Transactions
PT Trans Fashion Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Indonesia Owned by the same ultimate shareholder Savings and Interest Expenses
PT Metropolitan Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Retailmart Owned by the same ultimate shareholder Savings and Interest Expenses
PT Alfa Retailindo Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Owned by the same ultimate shareholder Savings and Interest Expenses
PT Para Bandung Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Propertindo Owned by the same ultimate shareholder Savings and Interest Expenses
Yayasan CT Arsa Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan Beban Bunga
Owned by the same ultimate shareholder Savings and Interest Expenses
Perseorangan Komisaris, Direksi, Pejabat Eksekutif, Keluarga Kredit yang Diberikan, Pendapatan Bunga, Simpanan, dan Beban Bunga
Board of Commissioners, Board of Directors, Credit and Property Insurance, Deposits and Interest Expenses
Executive Staff, Family
Realisasi Transaksi Pihak Berelasi
Realizations for Related Party Transactions
Seluruh transaksi yang dilakukan oleh Bank dengan pihak Transactions conducted by the Bank with related parties always
berelasi senantiasa memperhatikan ketentuan yang berlaku. take all applicable provisions into account. Details involving the
Adapun realisasi transaksi dengan pihak berelasi yang dilakukan realizations of transactions with related parties conducted by
Bank dalam 2 (dua) tahun terakhir dapat dilihat sebagai berikut: the Bank in the last 2 (two) years can be seen below:
Uraian
2025 (Rp) 2024 (Rp)
Description
Aset
Assets
Giro pada Bank Lain (Catatan 6) 37.855.809.750 46.729.528.498
Current Accounts at Other Banks (Note 6)
Penempatan pada Bank Lain (Catatan 7) 450.000.000.000 2.150.000.000.000
Placements with Other Banks (Note 7)
Kredit yang Diberikan (Catatan 10) 498.845.805.497 588.117.952.080
Loans (Note 10)
Pendapatan Bunga yang Masih Akan Diterima (Catatan 11) 976.749.471 3.747.855.319
Interest Income Receivable (Note 11)
Total Aset yang Terkait dengan Pihak Berelasi 987.640.508.908 2.788.548.606.369
Total Assets with Related Parties
Persentase dari Jumlah Aset 5,35% 19,94%
Percentage of Total Assets
Liabilitas
Liabilitites
Simpanan Nasabah (Catatan 18)
Deposits from Customers (Note 18)
Giro 15.874.994.821 27.723.748.849
Current Accounts
Tabungan 3.797.944 -
Savings Deposits
Deposito 705.168.270.168 187.478.189.054
Time Deposits
Simpanan dari Bank Lain (Catatan 19) 9.639.737 11.172.132
Deposits from Other Banks (Note 19)
Efek-efek yang Dijual dengan Janji Dibeli Kembali (Catatan 17) - -
Marketable Securities Sold Under Agreements to Resell (Note 17)
Jumlah Liabilitas yang Terkait dengan Pihak Berelasi 721.056.702.670 215.213.110.035
Total Liabilities with Related Parties
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Pernyataan Direksi terkait Prinsip Transaksi yang Wajar (Arm’s Length Principle)
Board of Directors Statement on the Arm’s Length Principle
Direksi berkomitmen memegang prinsip Arm’s Length Principle The Board of Directors is committed to upholding the Arm's
(ALP) selaku prinsip yang mengatur bahwa apabila kondisi Length Principle (ALP). This principle stipulates that if the
dalam transaksi yang dilakukan antara pihak yang mempunyai conditions of a transaction between related parties are the same
Hubungan Istimewa sama atau sebanding dengan kondisi dalam or comparable to those of a transaction between unrelated
transaksi yang dilakukan antara pihak yang tidak mempunyai parties, then the price or profit of the transaction between
hubungan Istimewa yang menjadi pembanding, maka harga the related parties must be equal to or within the range of the
atau laba dalam transaksi yang dilakukan antara pihak-pihak price or profit of the transaction between the unrelated parties.
yang mempunyai Hubungan Istimewa harus sama dengan This principle is based on the norm that the price or profit of
atau berada dalam rentang harga atau laba dalam transaksi transactions with affiliated parties is determined by market
yang dilakukan antara pihak yang tidak mempunyai Hubungan forces, and that such transactions should reflect Fair Market
Istimewa yang menjadi pembanding. Pada prinsipnya, Value (FMV).
berdasarkan pada norma bahwa harga atau laba atas transaksi
yang dilakukan dengan pihak afiliasi ditentukan oleh kekuatan
pasar, sehingga transaksi tersebut dapat mencerminkan harga
pasar yang wajar (Fair Market Value/FMV).
Peran Dewan Komisaris dan Komite Audit dalam Memenuhi Prinsip Transaksi yang
Wajar (Arm’s Length Principle)
The Role of the Board of Commissioners and the Audit Committee in Complying with the Arm's
Length Principle
Dewan Komisaris bersama dengan Komite Audit berkomitmen The Board of Commissioners works together with the Audit
memegang prinsip Arm’s Length Principle (ALP). Mekanisme Committee to uphold the Arm's Length Principle (ALP). The
review Bank atas transaksi dengan Pihak-pihak Berelasi dilakukan Bank's review mechanism for transactions with Related Parties
melalui proses audit, khususnya audit yang telah dilakukan is conducted through an audit process. Specifically, these
oleh akuntan publik dan dipublikasikan, dimana mekanisme audits are carried out by public accountants and are then
ini tertuang dalam PSAK 224 tentang Pengungkapan Pihak- published. This mechanism is outlined in Statement of Financial
pihak Berelasi. Pada prinsipnya, berdasarkan pada norma Accounting Standards (PSAK) 224 concerning Related Party
bahwa harga atau laba atas transaksi yang dilakukan dengan Disclosures. This principle is based on the norm that prices or
pihak afiliasi ditentukan oleh kekuatan pasar, sehingga transaksi profits from transactions with affiliated parties are determined
tersebut dapat mencerminkan harga pasar yang wajar (Fair by market forces, and that such transactions should reflect Fair
Market Value/FMV). Market Value (FMV).
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Informasi Keuangan yang Mengandung
Kejadian yang Bersifat Luar Biasa dan
Jarang Terjadi
● Financial Information Containing Extraordinary and Rare Events
Hingga 31 Desember 2025, tidak As of 31 December, 2025, the Bank has
terdapat kejadian yang bersifat luar experienced any extraordinary or rare
biasa dan jarang terjadi yang dialami events. As such, there is no information
oleh Bank. Dengan demikian, tidak on extraordinary and rare financial
terdapat informasi kejadian keuangan events that can be disclosed in this
yang bersifat luar biasa dan jarang Annual Report.
terjadi yang dapat diungkapkan dalam
Laporan Tahunan ini.
Perubahan Peraturan Perundang-
Undangan yang Berpengaruh
Signifikan terhadap Perusahaan
● Changes in Legislation that Significantly Impact the Company
Selama tahun 2025, terdapat perubahan Throughout 2025, there were a number
peraturan perundang-undangan yang of changes in legislation that significantly
berpengaruh signifikan terhadap impacted the Bank's operational and
kinerja operasional dan keuangan financial performance. The following is
Bank. Adapun perubahan peraturan a list of these changes in legislation and
perundang-undangan dan dampaknya the impact they have had on the Bank:
terhadap Bank dapat dilihat sebagai
berikut:
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Perubahan Peraturan/ Dampak terhadap
Penjelasan
Perundang-Undangan Perusahaan
Explanation
Changes to Regulations/Legislation Impact on the Company
Peraturan Otoritas Jasa Keuangan 1. Pengguna wajib memiliki dan menerapkan kebijakan dan prosedur Bank telah mematuhi dan
Republik Indonesia No. 28 Tahun 2024 terkait SIPELAKU yang paling sedikit mencakup: menjalankan implementasi
tentang Pengelolaan Informasi Rekam a. kewenangan dan tanggung jawab pemegang Hak Akses ketentuan tersebut dalam unit
Jejak Pelaku Melalui Sistem Informasi untuk mengajukan permintaan dan menerima Rekam Jejak; kerja internal terkait sesuai
Pelaku (POJK SIPELAKU) b. tata cara permintaan Rekam Jejak pada SIPELAKU dan ketentuan yang berlaku.
memastikan penggunaannya;
Financial Services Authority Regulation c. penatausahaan permintaan Rekam Jejak yang diperoleh dari The Bank has complied with and
(POJK) No. 28 of 2024 concerning SIPELAKU serta dokumen pendukung; implemented these provisions
Management of Information on the d. pengamanan Rekam Jejak; dan in its relevant internal work units
Track Records of Offenders Through e. pemusnahan Rekam Jejak yang diperoleh dari SIPELAKU. in accordance with applicable
the Offender Information System (POJK 2. Pengguna wajib melakukan audit internal terhadap penggunaan regulations.
SIPELAKU) SIPELAKU paling sedikit 1 (satu) kali dalam 1 (satu) tahun.
1. Users are required to have and implement policies and procedures
related to SIPELAKU, which at a minimum include:
a. the authority and responsibilities of Access Rights holders to
request and receive Track Records;
b. procedures for requesting Track Records from SIPELAKU and
ensuring their use;
c. administration of Track Record requests obtained from
SIPELAKU and supporting documents;
d. security of Track Records; and
e. destruction of Track Records obtained from SIPELAKU.
2. Users are required to conduct internal audits of SIPELAKU usage at
least once a year.
Peraturan Anggota Dewan Gubernur 1. Bank wajib menyampaikan laporan tahunan sebagai berikut: Bank telah mematuhi dan
No. 24 Tahun 2024 tentang Keamanan a. tingkat kematangan KKS; dan menjalankan implementasi
Sistem Informasi dan Ketahanan Siber b. hasil identifikasi infrastruktur informasi vital, ketentuan tersebut dalam unit
bagi Penyelenggara Sistem Pembayaran, disampaikan paling lambat 31 Januari untuk periode pelaporan kerja internal terkait sesuai
Pelaku Pasar Uang dan Pasar Valuta tahun sebelumnya. ketentuan yang berlaku.
Asing, serta Pihak Lain yang Diatur dan 2. Pelaporan tahunan sebagaimana dimaksud pada poin (1) pertama
Diawasi Bank Indonesia (PADG KKS) kali disampaikan kepada Bank Indonesia pada Januari 2026 untuk The Bank has complied with and
periode laporan tahun 2025. implemented these provisions
Board of Governors Regulation (PADG) 3. Laporan Insiden Siber dilaksanakan paling sedikit dengan: in its relevant internal work units
No. 24 of 2024 concerning Information a. mengaktifkan tim tanggap Insiden Siber di level organisasi in accordance with applicable
System Security and Cyber Resilience b. menyampaikan: regulations.
for Payment System Operators, Money • notifikasi awal Insiden Siber pa1ing lama 1 (satu) jam
Market and Foreign Exchange Market setelah Insiden Siber diketahui oleh Bank; dan
Players, and Other Parties Regulated • laporan Insiden Siber pa1ing lama 3 (tiga) hari kalender
and Supervised by Bank Indonesia setelah Insiden Siber terjadi, kepada Bank Indonesia.
(PADG KKS) 4. Bank wajib mengevaluasi paling sedikit 1 (satu) kali dalam 1 (satu)
tahun, untuk:
a. Kebijakan, Standar, dan Prosedur KKS.
b. Penerapan manajemen KKS.
c. Audit KKS.
d. Program peningkatan budaya KKS.
e. Pengkinian profil Risiko Siber.
f. Penerapan proteksi KKS.
g. Pemindaian Kerentanan Siber.
h. Pemeliharaan dan pengujian sistem deteksi.
i. Simulasi dan uji coba penanganan dan pemulihan Insiden
Siber.
1. Banks are required to submit the following annual reports:
a. the maturity level of the PSC; and
b. the identification results of vital information infrastructure that
are to be submitted no later than 31 January for the previous
year's reporting period.
2. The annual report referred to in point (1) must be submitted to
Bank Indonesia for the first time in January 2026 for the 2025
reporting period.
3. Cyber Incident Reporting must be carried out by at least:
a. activating a Cyber Incident
response team at the
organizational level
b. providing a submission:
• initial notification of the Cyber Incident is to be done
no later than 1 (one) hour after the Cyber Incident is
discovered by the Bank; and
• a Cyber Incident
report is to be provided to Bank
Indonesia no later than 3 (three) calendar days after the
Cyber Incident
has occured.
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Perubahan Peraturan/ Dampak terhadap
Penjelasan
Perundang-Undangan Perusahaan
Explanation
Changes to Regulations/Legislation Impact on the Company
4. Banks are required to evaluate the following at least once a year:
a. KKS Policies, Standards, and Procedures.
b. Implementation of Information System Security and Cyber
Resilience (KKS) management.
c. KKS audits.
d. KKS culture improvement programs.
e. Updating the Bank's Cyber Risk Profile.
f. Implementation of KKS protection.
g. Cyber Vulnerability Scanning.
h. Maintenance and testing of detection systems.
i. Simulations and trials of handling and recovery of Cyber
Incidents.
Peraturan Otoritas Jasa Keuangan 1. Seluruh mekanisme pembukaan Rahasia Bank wajib mengikuti Bank telah mematuhi dan
No. 44 Tahun 2024 tentang Rahasia ketentuan POJK 44 Tahun 2024. menjalankan implementasi
Bank 2. Bank wajib memiliki prosedur internal mengenai pembukaan ketentuan tersebut dalam unit-
Financial Services Authority Regulation Rahasia Bank. unit kerja internal terkait sesuai
No. 44 of 2024 concerning Bank 3. Bank wajib memiliki register dokumentasi untuk seluruh ketentuan yang berlaku.
Secrecy permintaan dan pemberian pembukaan informasi Rahasia Bank.
The Bank has complied with and
1. All mechanisms for disclosing Bank Secrecy must comply with the implemented these provisions
provisions of POJK 44 of 2024. in its relevant internal work units
2. Banks must have internal procedures regarding its disclosure of in accordance with applicable
Bank Secrecy. regulations.
3. Banks must maintain a documentation register for all requests and
grants for the disclosure of Bank Secrecy information.
Peraturan Anggota Dewan Gubernur Penyampaian laporan berupa laporan terkait pemrosesan Transaksi Bank telah mematuhi dan
No. 3 Tahun 2025 tentang Implementasi QRIS dilakukan sesuai dengan ketentuan Bank Indonesia yang menjalankan implementasi
Standar Nasional Quick Response Code mengatur mengenai penyelenggaraan pemrosesan transaksi ketentuan tersebut dalam unit-
untuk Pembayaran pembayaran. unit kerja internal terkait sesuai
ketentuan yang berlaku.
Board of Governors Regulation No. 3 of Submission of reports related to QRIS transaction processing is to be
2025 concerning Implementation of the carried out in accordance with Bank Indonesia regulations governing The Bank has complied with and
National Standard Quick Response Code the implementation of payment transaction processing. implemented these provisions
for Payments in its relevant internal work units
in accordance with applicable
regulations.
Peraturan Otoritas Jasa Keuangan No. Emiten atau Perusahaan Publik wajib menyampaikan laporan Informasi Bank telah mematuhi dan
45 Tahun 2024 tentang Pengembangan atau Fakta Material kepada Otoritas Jasa Keuangan dan melakukan menjalankan implementasi
dan Penguatan Emiten dan Perusahaan pengumuman Informasi atau Fakta Material kepada masyarakat dengan ketentuan tersebut dalam unit-
Publik ketentuan: unit kerja internal terkait sesuai
1. sesegera mungkin pada saat Emiten atau Perusahaan Publik ketentuan yang berlaku.
Financial Services Authority Regulation mengetahui atau selayaknya mengetahui Informasi atau Fakta
No. 45 of 2024 concerning Material; dan The Bank has complied with and
Development and Strengthening of 2. paling lambat sebelum dimulainya sesi I (satu) waktu perdagangan implemented these provisions
Issuers and Public Companies di Bursa Efek pada hari kerja berikutnya. in its relevant internal work units
in accordance with applicable
Issuers or Public Companies are required to submit reports of Material regulations.
Information or Facts to the Financial Services Authority and announce
such Material Information or Facts to the public. These reports are
subject to the following conditions:
1. They have to be made as soon as possible upon the Issuer or
Public Company's knowledge or reasonable knowledge of the
Material Information or Facts; and
2. They have to be submitted no later than the start of session I (one)
of trading hours on the Stock Exchange on the following business
day.
Peraturan Anggota Dewan Gubernur Bank Indonesia menyampaikan informasi tentang pemberian KLM Bank telah mematuhi dan
No. 7 Tahun 2025 tentang Perubahan tersebut paling lambat pada awal periode pemberian KLM. menjalankan implementasi
Ketiga atas Peraturan Anggota Dewan ketentuan tersebut dalam unit-
Gubernur No. 11 Tahun 2023 tentang Bank Indonesia shall provide information regarding the provision of the unit kerja internal terkait sesuai
Peraturan Pelaksanaan Kebijakan Insentif Macroprudential Liquidity Incentive Policy no later than the beginning ketentuan yang berlaku.
Likuiditas Makroprudensial of the Macroprudential Liquidity Incentive Policy provision period.
The Bank has complied with and
Board of Governors Regulation No. 7 of implemented these provisions
2025 concerning the Third Amendment in its relevant internal work units
to Board of Governors Regulation No. in accordance with applicable
11 of 2023 concerning Implementing regulations.
Regulations for Macroprudential Liquidity
Incentive Policies
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Perubahan Peraturan/ Dampak terhadap
Penjelasan
Perundang-Undangan Perusahaan
Explanation
Changes to Regulations/Legislation Impact on the Company
Peraturan Anggota Dewan Gubernur Bank menyesuaikan perhitungan pemenuhan GWM sesuai dengan Bank telah mematuhi dan
No. 8 Tahun 2025 tentang Peraturan PADG GWM menjalankan implementasi
Pelaksanaan Pemenuhan Giro Wajib ketentuan tersebut dalam unit-
Minimum dalam Rupiah dan Valuta Banks adjust the calculation of the Minimum Reserve Requirement in unit kerja internal terkait sesuai
Asing bagi Bank Umum Konvensional, accordance with the GWM PADG. ketentuan yang berlaku.
Bank Umum Syariah, dan Unit Usaha
Syariah The Bank has complied with and
implemented these provisions
Board of Governors Regulation No. in its relevant internal work units
8 of 2025 concerning Implementing in accordance with applicable
Regulations for Fulfilling Statutory regulations.
Reserves in Rupiah and Foreign
Currency for Conventional Commercial
Banks, Sharia Commercial Banks, and
Sharia Business Units
Peraturan Anggota Dewan Gubernur No. Bank wajib menihilkan Rekening Giro Valas di akhir hari apabila Bank telah mematuhi dan
10 Tahun 2025 tentang Perubahan atas Rekening Giro Valas tersebut digunakan untuk tujuan lainnya (cth. menjalankan implementasi
Peraturan Anggota Dewan Gubernur No. setelmen SVBI dan SUVBI). ketentuan tersebut dalam unit-
24/21/PADG/2022 tentang Peraturan unit kerja internal terkait sesuai
Pelaksanaan Rekening Giro di Bank Banks are required to zero out Foreign Currency Current Accounts at ketentuan yang berlaku.
Indonesia the end of the day if the Foreign Currency Current Account is used for
other purposes (e.g., SVBI and SUVBI settlements). The Bank has complied with and
Board of Governors Regulation No. 10 of implemented these provisions
2025 concerning Amendments to Board in its relevant internal work units
of Governors Regulation No. 24/21/ in accordance with applicable
PADG/2022 concerning Implementing regulations.
Regulations for Current Accounts at
Bank Indonesia
Peraturan Anggota Dewan Gubernur PADG Perubahan Kedelapan RIM PLM menyesuaikan pengaturan PLM Bank telah mematuhi dan
No. 11 Tahun 2025 tentang Rasio sebagai berikut: menjalankan implementasi
Intermediasi Makroprudensial dan 1. Besaran PLM menjadi 4% (empat persen) dari DPK BUK dalam ketentuan tersebut dalam unit-
Penyangga Likuiditas Makroprudensial Rupiah. Bagi BUK yang memiliki UUS, jumlah DPK BUK dalam unit kerja internal terkait sesuai
bagi Bank Umum Konvensional, Bank Rupiah. ketentuan yang berlaku.
Umum Syariah, dan Unit Usaha Syariah 2. Surat berharga yang memenuhi persyaratan untuk pemenuhan
kewajiban PLM dapat digunakan dalam transaksi repo dan The Bank has complied with and
Board of Governors Regulation transaksi pengelolaan likuiditas berdasarkan prinsip syariah Bank implemented these provisions
No. 11 of 2025 concerning the Indonesia (transaksi PaSBI) kepada Bank Indonesia dalam operasi in its relevant internal work units
Macroprudential Intermediation Ratio pasar terbuka. Penggunaan surat berharga BUK dalam transaksi in accordance with applicable
and Macroprudential Liquidity Buffer for repo dan transaksi PasBI yang dapat diperhitungkan untuk regulations.
Conventional Commercial Banks, Sharia pemenuhan PLM ditetapkan paling banyak 4% (empat persen) dari
Commercial Banks, and Sharia Business DPK BUK dalam rupiah
Units
PADG Amendment No. 8 on RIM PLM adjusts Macroprudential Liquidity
Buffer (PLM) regulations in the the following ways:
1. The Macroprudential Liquidity Buffer (PLM) amount is now 4%
(four percent) of the Conventional Commercial Bank's (BUK) Third
Party Funds (DPK) in Rupiah. For BUKs with a Sharia Business Unit
(UUS), the amount of BUK's Third Party Funds (DPK) is in Rupiah.
2. Securities that meet the requirements for fulfilling PLM obligations
can be used in repo transactions and liquidity management
transactions based on Bank Indonesia's sharia principles (PaSBI
transactions) to Bank Indonesia in open market operations. The use
of BUK securities in repo transactions and PasBI transactions that
can be calculated to fulfill PLM is set at a maximum of 4% (four
percent) of the BUK's Third Party Funds (DPK) in rupiah.
Peraturan Anggota Dewan Gubernur No. 1. Penyesuaian besaran parameter kontrasiklikal RPLN yang Bank telah mematuhi dan
12 Tahun 2025 tentang Perubahan atas sebelumnya ditetapkan sebesar 0% (nol persen) menjadi sebesar menjalankan implementasi
Peraturan Anggota Dewan Gubernur positif 5% (lima persen). ketentuan tersebut dalam unit-
No. 7 Tahun 2024 tentang Peraturan 2. Peningkatan batasan RPLN dari 30% (tiga puluh persen) menjadi unit kerja internal terkait sesuai
Pelaksanaan Rasio Pendanaan Luar 35% (tiga puluh lima persen) setelah memperhatikan besaran ketentuan yang berlaku.
Negeri Bank parameter kontrasiklikal sebagaimana huruf 1.
The Bank has complied with and
Board of Governors Regulation No. 12 of 1. Adjustment of the countercyclical parameter for the Foreign implemented these provisions
2025 concerning Amendments to Board Investment Fund (RPLN) from being previously set at 0% (zero in its relevant internal work units
of Governors Regulation No. 7 of 2024 percent) to a positive 5% (five percent). in accordance with applicable
concerning Implementing Regulations 2. Increase of the Bank Foreign Funding Ratio (RPLN) limit from 30% regulations.
for Bank Foreign Funding Ratios (thirty percent) to 35% (thirty-five percent) after taking into account
the countercyclical parameter as referred to in letter 1.
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Perubahan Peraturan/ Dampak terhadap
Penjelasan
Perundang-Undangan Perusahaan
Explanation
Changes to Regulations/Legislation Impact on the Company
PADG No. 14 Tahun 2025 tentang Peserta wajib menyampaikan informasi awal dan laporan transaksi BI- Bank telah mematuhi dan
Perubahan Kedua atas Peraturan FAST yang merupakan transaksi fraud kepada Penyelenggara, meliputi: menjalankan implementasi
Anggota Dewan Gubernur No. 17 Tahun 1. transaksi yang terkonfirmasi oleh Peserta merupakan transaksi ketentuan tersebut dalam unit-
2023 Tentang Penyelenggaraan Bank fraud dan bukan merupakan false positive; dan unit kerja internal terkait sesuai
Indonesia Fast Payment 2. transaksi fraud yang tidak terdeteksi fitur FDS BI-FAST (false ketentuan yang berlaku.
negative)
Board of Governors Regulation No. Ketentuan mengenai penerapan proteksi infrastruktur teknologi The Bank has complied with and
14 of 2025 concerning the Second informasi pemenuhannya dilakukan paling lambat pada tanggal 1 implemented these provisions
Amendment to Board of Governors Januari 2026. in its relevant internal work units
Regulation No. 17 of 2023 concerning in accordance with applicable
the Implementation of Bank Indonesia Participants are required to submit the following initial information and regulations.
Fast Payment reports of fraudulent BI-FAST transactions to Operators:
1. Transactions confirmed by the Participant as fraudulent and not
false positives; and
2. Fraudulent transactions not detected by the BI-FAST FDS feature
(false negatives).
Provisions regarding the implementation of information technology
infrastructure protection must be fulfilled no later than 1 January, 2026.
SEOJK No. 14/SEOJK.03/2025 tentang Penambahan parameter faktor penilaian untuk penilaian sendiri atas Bank telah mematuhi dan
Penerapan Tata Kelola Bank Umum implementasi tata kelola. Serta pengaturan lebih mendetail dari POJK menjalankan implementasi
Tata Kelola bagi Bank Umum. ketentuan tersebut dalam unit-
Financial Services Authority Circular unit kerja internal terkait sesuai
Letter (SEOJK) No. 14/SEOJK.03/2025 Additional assessment parameters for self-assessment of governance ketentuan yang berlaku.
concerning the Implementation of implementation, as well as more detailed regulations for the OJK
Commercial Bank Governance Regulation on Governance for Commercial Banks. The Bank has complied with and
implemented these provisions
in its relevant internal work units
in accordance with applicable
regulations.
Peraturan Anggota Dewan Gubernur No Mekanisme Matchmaking Transaksi Pasar Uang Bank telah mematuhi dan
16 Tahun 2025 tentang Perubahan atas menjalankan implementasi
Peraturan Anggota Dewan Gubernur No The Money Market Transaction Matchmaking Mechanism ketentuan tersebut dalam unit-
13Tahun 2024 tentang Transaksi Pasar unit kerja internal terkait sesuai
Uang ketentuan yang berlaku.
Board of Governors Regulation No. 16 of The Bank has complied with and
2025 concerning Amendments to Board implemented these provisions
of Governors Regulation No. 13 of 2024 in its relevant internal work units
concerning Money Market Transactions in accordance with applicable
regulations.
Peraturan Otoritas Jasa Keuangan No. menciptakan transparansi informasi bank yang komprehensif, lengkap, Bank telah mematuhi dan
18 Tahun 2025 tentang Transparansi dan akurat, terkini, utuh, tepat waktu, dan dapat diperbandingkan untuk menjalankan implementasi
Publikasi Laporan Bank mendukung penguatan sektor jasa keuangan yang sehat, mandiri, ketentuan tersebut dalam unit-
kompetitif, dan berperan dalam menjaga stabilitas sistem Keuangan. unit kerja internal terkait sesuai
Financial Services Authority Regulation ketentuan yang berlaku.
No. 18 of 2025 concerning Transparency Creating a comprehensive, complete, accurate, up-to-date, complete,
and Publication of Bank Reports timely, and comparable bank information transparency to support the The Bank has complied with and
strengthening of a healthy, independent, and competitive financial implemented these provisions
services sector, and playing a role in maintaining financial system in its relevant internal work units
stability. in accordance with applicable
regulations.
Surat Edaran Otoritas Jasa Keuangan pedoman dalam melaksanakan publikasi prosedur singkat layanan Bank telah mematuhi dan
No. 20/SEOJK.08/2025 tentang pengaduan dan penanganan pengaduan serta bentuk laporan dan tata menjalankan implementasi
Publikasi Penanganan Pengaduan dan cara pengisian laporan layanan pengaduan. ketentuan tersebut dalam unit-
Laporan Layanan Pengaduan unit kerja internal terkait sesuai
Guidelines for implementing the publication of brief procedures for ketentuan yang berlaku.
Financial Services Authority Circular complaint services and complaint handling, as well as report formats
Letter No. 20/SEOJK.08/2025 and procedures for filing complaint service reports. The Bank has complied with and
concerning Publication of Complaint implemented these provisions
Handling and Complaint Service Reports in its relevant internal work units
in accordance with applicable
regulations.
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Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
Perubahan Peraturan/ Dampak terhadap
Penjelasan
Perundang-Undangan Perusahaan
Explanation
Changes to Regulations/Legislation Impact on the Company
Peraturan Otoritas Jasa Keuangan Bank wajib menyampaikan laporan insidental akan disampaikan Bank telah mematuhi dan
(POJK) No. 22 Tahun 2025 tentang pertama kali melalui APOLO sejak tanggal 1 Januari 2026. Dengan menjalankan implementasi
Pelaporan Bank Umum Melalui Sistem demikian, Bank tetap menyampaikan laporan insidental melalui SIPENA ketentuan tersebut dalam unit-
Pelaporan Otoritas Jasa Keuangan sampai dengan tanggal 31 Desember 2025. unit kerja internal terkait sesuai
ketentuan yang berlaku.
Financial Services Authority Regulation Banks are required to submit incidental reports for the first time through
No. 22 of 2025 concerning Commercial APOLO starting 1 January, 2026. Accordingly, banks will continue to The Bank has complied with and
Bank Reporting through the Financial submit incidental reports through SIPENA until 31 December, 2025. implemented these provisions
Services Authority Reporting System in its relevant internal work units
in accordance with applicable
regulations.
POJK No. 24 Tahun 2025 Tentang Pengelolaan rekening Giro dan Tabungan diklasifikasikan menjadi: Bank telah mematuhi dan
Pengelolaan Rekening Pada Bank Umum 1. Rekening Aktif (memiliki aktivitas pemasukan, penarikan, dan menjalankan implementasi
pengecekan saldo). ketentuan tersebut dalam unit-
Financial Services Authority Regulation 2. Rekening Tidak Aktif (tidak memiliki aktivitas pemasukan, unit kerja internal terkait sesuai
No. 24 of 2025 concerning Account penarikan, dan pengecekan saldo > 360 hari) ketentuan yang berlaku.
Management at Commercial Banks 3. Rekening Dormant (tidak memiliki aktivitas pemasukan, penarikan,
dan pengecekan saldo > 1800 hari). The Bank has complied with and
implemented these provisions
Current and Savings Account Management is classified as follows: in its relevant internal work units
1. Active Accounts (with deposit, withdrawal, and balance inquiry in accordance with applicable
activities). regulations.
2. Inactive Account (no deposit, withdrawal, or balance check activity
for >360 days)
3. Dormant Account (no deposit, withdrawal, or balance check
activity for >1800 days).
(PADG) No. 24 Tahun 2025 tentang Peserta wajib menyampaikan Bank telah mematuhi dan
Penyelenggaraan Setelmen Dana 1. Laporan Berkala (LHPK yang disampaikan dan diterima oleh menjalankan implementasi
Seketika melalui Sistem Bank Indonesia- Penyelenggara dengan batas waktu paling lambat tanggal 31 ketentuan tersebut dalam unit-
Real Time Gross Settlement Maret tahun berikutnya). unit kerja internal terkait sesuai
2. Laporan Insidental (Laporan Pengkinian Kebijakan, Laporan Hasil ketentuan yang berlaku.
Board of Governors Regulation No. 24 Audit Sistem Informasi, Laporan Pengujian dan Pengembangan,
of 2025 concerning the Implementation Laporan Hasil Uji Coba, dan lainnya). The Bank has complied with and
of Real-Time Fund Settlement through implemented these provisions
the Bank Indonesia Real-Time Gross Participants are required to submit in its relevant internal work units
Settlement System 1. Periodic Reports (the Compliance Assessment Results Report is to in accordance with applicable
be submitted and received by the Organizer no later than 31 March regulations.
of the following year).
2. Incidental Reports (Policy Update Reports, Information System
Audit Reports, Testing and Development Reports, Trial Result
Reports, and others).
PADG No. 21 tahun 2025 tentang Peserta Operasi Moneter dan Lembaga Perantara bertanggung jawab Bank telah mematuhi dan
Operasi Moneter Valuta Asing atas kebenaran data penawaran atau pengajuan transaksi Operasi menjalankan implementasi
Moneter Valuta Asing yang diajukan kepada Bank Indonesia dan tidak ketentuan tersebut dalam unit-
Board of Governors Regulation No. 21 dapat membatalkan penawaran atau pengajuan transaksi Operasi unit kerja internal terkait sesuai
of 2025 concerning Foreign Exchange Moneter Valuta Asing yang diajukan kepada Bank Indonesia. ketentuan yang berlaku.
Monetary Operations
Monetary Operation Participants and Intermediary Institutions are The Bank has complied with and
responsible for the accuracy of the bid data or requests for Foreign implemented these provisions
Exchange Monetary Operation transactions that are submitted to Bank in its relevant internal work units
Indonesia. They cannot cancel bids or requests for Foreign Exchange in accordance with applicable
Monetary Operation transactions submitted to Bank Indonesia. regulations.
PADG No. 19 2025 Infrastruktur dan Bank perlu melakukan uji koneksi di Sistem Transaksi Valuta Asing dan/ Bank telah mematuhi dan
Kepesertaan Operasi Moneter atau sistem pendukung transaksi valuta asing yang digunakan Bank. menjalankan implementasi
Atas hal tersebut, Bank akan menindaklanjuti dengan penyampaian ketentuan tersebut dalam unit-
Board of Governors Regulation No. 19 of informasi koneksi atau pengajuan koneksi ke SISMONTAVAR. unit kerja internal terkait sesuai
2025 concerning Monetary Operation ketentuan yang berlaku.
Infrastructure and Participation The Bank is required to conduct a connection test in the Foreign
Exchange Transaction System and/or the foreign exchange transaction The Bank has complied with and
support system used by the Bank. In this case, the Bank will follow implemented these provisions
up by submitting connection information or a connection request to in its relevant internal work units
SISMONTAVAR. in accordance with applicable
regulations.
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Perubahan Peraturan/ Dampak terhadap
Penjelasan
Perundang-Undangan Perusahaan
Explanation
Changes to Regulations/Legislation Impact on the Company
Peraturan Anggota Dewan Gubernur Kewajiban penyampaian laporan surat berharga untuk surat berharga Bank telah mematuhi dan
(PADG) Nomor PADG No. 23 tahun korporasi yang dimiliki BUK yang sudah memperhitungkan perlakuan menjalankan implementasi
2025 tentang Rasio Intermediasi transaksi repo antar bank setiap bulan kepada Bank Indonesia, mulai ketentuan tersebut dalam unit-
Makroprudensial (RIM) dan Penyangga berlaku dilaporkan untuk laporan posisi data akhir bulan November unit kerja internal terkait sesuai
Likuiditas Makroprudensial (PLM) bagi 2025. ketentuan yang berlaku.
Bank Umum Konvensional, Bank Umum
Syariah, dan Unit Usaha Syariah (PADG wajib disampaikan kepada Bank Indonesia paling lambat 10 (sepuluh) The Bank has complied with and
RIM PLM) hari kerja setelah berakhirnya bulan laporan, disampaikan melalui surat implemented these provisions
elektronik kepada Bank Indonesia dengan alamat rim_kantorpusat@ in its relevant internal work units
Board of Governors Regulation No. 23 of bi.go.id. in accordance with applicable
2025 concerning the Macroprudential regulations.
Intermediation Ratios (RIM) and Obligations to submit monthly securities reports for corporate securities
Macroprudential Liquidity Buffers (PLM) held by Conventional Commercial Bank's (BUK), which have taken into
for Conventional Commercial Banks, account interbank repo transactions, to Bank Indonesia, have become
Sharia Commercial Banks, and Sharia effective as of November 2025.
Business Units (PADG RIM PLM)
This report must be submitted to Bank Indonesia no later than 10
(ten) business days after the end of the reporting month and must be
submitted via email to Bank Indonesia at rim_kantorpusat@bi.go.id.
Peraturan Anggota Dewan Komisioner Ringkasan Informasi Produk dan/atau Layanan dan Iklan yang telah Bank telah mematuhi dan
Otoritas Jasa Keuangan (PADK OJK) No. dibuat sebelum berlakunya Peraturan Anggota Dewan Komisioner ini menjalankan implementasi
37/PADK.08/2025 tentang Penyediaan disesuaikan dengan format dalam Lampiran II dan Lampiran III paling ketentuan tersebut dalam unit-
Informasi dan Penyampaian Informasi lambat 6 (enam) bulan sejak Peraturan ini mulai berlaku. unit kerja internal terkait sesuai
untuk Pemasaran Produk dan Layanan ketentuan yang berlaku.
Jasa Keuangan Summaries of product and/or service information and advertisements
prepared prior to the enactment of this Board of Commissioners The Bank has complied with and
Financial Services Authority Board of Regulation must be adjusted to the format in Attachments II and III no implemented these provisions
Commissioners Members Regulation later than 6 (six) months after the enactment of this Regulation. in its relevant internal work units
(PADK OJK) No. 37/PADK.08/2025 in accordance with applicable
concerning the Provision of Information regulations.
and Information Dissemination for the
Marketing of Financial Services Products
and Services
Peraturan Bank Indonesia (PBI) No. 9 Bank agar dapat menyesuaikan ketentuan untuk mengacu pada Bank telah mematuhi dan
Tahun 2025 tentang Kebijakan Insentif ketentuan PBI No. 9 Tahun 2025 dimaksud. menjalankan implementasi
Likuiditas Makroprudensial (KLM). ketentuan tersebut dalam unit-
Banks are required to adjust their provisions to comply with Bank unit kerja internal terkait sesuai
Bank Indonesia Regulation No. 9 of Indonesia Regulation No. 9 of 2025. ketentuan yang berlaku.
2025 concerning the Macroprudential
Liquidity Incentive Policy (KLM).
Peraturan Anggota Dewan Gubernur Bank agar dapat mengacu kepada ketentuan No. 29 Tahun 2025 Bank telah mematuhi dan
(PADG) No. 29 Tahun 2025 tentang tentang Perubahan atas Peraturan Anggota Dewan Gubernur No. menjalankan implementasi
Perubahan atas Peraturan Anggota Dewan 21 Tahun 2025 tentang Perubahan atas Peraturan Anggota Dewan ketentuan tersebut dalam unit-
Gubernur No. 21 Tahun 2025 tentang Gubernur No. 21 Tahun 2025 Tentang Operasi Moneter Valuta Asing. unit kerja internal terkait sesuai
Perubahan atas Peraturan Anggota Dewan ketentuan yang berlaku.
Gubernur No. 21 Tahun 2025 Tentang Banks are required to comply with Regulation No. 29 of 2025
Operasi Moneter Valuta Asing concerning Amendments to Board of Governors Regulation No. 21 of The Bank has complied with and
2025 concerning Amendments to Board of Governors Regulation No. implemented these provisions
Board of Governors Regulation No. 29 21 of 2025 concerning Foreign Exchange Monetary Operations. in its relevant internal work units
of 2025 concerning Amendments to in accordance with applicable
Regulation of the Members of the Board regulations.
of Governors No. 21 of 2025 concerning
Amendments to Regulation of the
Members of the Board of Governors
No. 21 of 2025 concerning Foreign
Exchange Monetary Operations
Peraturan Anggota Dewan Gubernur 1. Bank wajib menyampaikan laporan dan/atau koreksi laporan Bank telah mematuhi dan
(PADG) No. 27 Tahun 2025 tentang komitmen rencana penyaluran Kredit atau Pembiayaan paling menjalankan implementasi
Peraturan Pelaksanaan Kebijakan Insentif lambat tanggal 10 Desember untuk posisi data akhir bulan Maret, ketentuan tersebut dalam unit-
Likuiditas Makroprudensial Juni, September, dan Desember tahun berikutnya. unit kerja internal terkait sesuai
2. Bank wajib menyampaikan laporan dan/atau koreksi laporan ultra ketentuan yang berlaku.
Board of Governors Regulation No. 27 mikro sebagaimana dimaksud pada ayat (1) paling lambat tanggal
of 2025 concerning the Implementation 20 bulan berikutnya (triwulanan). The Bank has complied with and
Regulations for Macroprudential Liquidity implemented these provisions
Incentive Policy 1. Banks are required to submit reports and/or corrections to in its relevant internal work units
commitment reports for Credit or Financing distribution plans no in accordance with applicable
later than 10 December for the data positions at the end of March, regulations.
June, September, and December of the following year.
2. Banks are required to submit reports and/or corrections to ultra-
micro reports as referred to in paragraph (1) no later than the 20th
of the following month (on a quarterly basis).
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Perubahan Kebijakan Akuntansi dan
Dampaknya terhadap Perusahaan
● Changes in Accounting Policies and Their Impact on the Company
Standar baru dan amendemen atas New standard and amendment to
standar yang berlaku efektif untuk standard which effective for year
periode yang dimulai pada atau setelah beginning on or after January 1, 2025,
1 Januari 2025, dengan penerapan dini with early adoption is permitted, are as
diperkenankan yaitu: follows:
• PSAK 117: Kontrak Asuransi; • PSAK 117: Insurance Contract; and
• Amendemen PSAK 117: Kontrak • Amendments PSAK 117: Insurance
Asuransi tentang Penerapan Awal Contract regarding Initial Application
PSAK 117 dan PSAK 109 – Informasi of PSAK 117 and PSAK 109 –
Komparatif; Comparative Information.
• Amendemen PSAK 221: Pengaruh • Amendment to PSAK 221: The Effect
Perubahan Kurs Valuta Asing of Changes in Foreign Exchange
tentang Kekurangan Ketertukaran; Rates on Exchangeability Shortfalls;
Beberapa PSAK juga diamendemen The following PSAKs were also amended
yang merupakan amendemen which were consequential amendments
konsekuensial karena berlakunya PSAK due to the enactment of PSAK 117:
117: Kontrak Asuransi, yaitu: Insurance Contracts:
• PSAK 103: Kombinasi Bisnis • PSAK 103: Business Combinations
• PSAK 105: Aset Tidak Lancar yang • PSAK 105: Non-Current Assets
Dikuasai untuk Dijual dan Operasi Held for Sale and Discontinued
yang Dihentikan Operations
• PSAK107: Instrumen Keuangan: • PSAK 107: Financial Instruments:
Pengungkapan Disclosures
• PSAK109: Instrumen Keuangan • PSAK 109: Financial Instruments
• PSAK 115: Pendapatan dari Kontrak • PSAK 115: Income from Contracts
dengan Pelanggan with Customers
• PSAK 201: Penyajian Laporan • PSAK 201: Presentation of Financial
Keuangan Statements
• PSAK 207: Laporan Arus Kas • PSAK 207: Statement of Cash Flows
• PSAK 216: Aset Tetap • PSAK 216: Fixed Assets
• PSAK 219: Imbalan Kerja • PSAK 219: Employee Benefits
• PSAK 228: Investasi pada Entitas • PSAK 228: Investment in Associated
Asosiasi dan Ventura Bersama Entities and Joint Ventures
• PSAK 232: Instrumen Keuangan • PSAK 232: Financial Instruments:
Penyajian Presentation
• PSAK 236: Penurunan Nilai Aset • PSAK 236: Impairment of Asset
• PSAK 237: Provisi, Liabilitas • PSAK 237: Provisions, Contingent
Kontijensi dan Aset Kontijensi Liabilities and Contigent Assets
• PSAK 238: Aset Takberwujud • PSAK 238: Intangible Assets
• PSAK 240: Properti Investasi • PSAK 240: Investment Propert
Implementasi amendemen standar The implementation of the amendments
tersebut tidak memiliki dampak to the standard did not have a material
yang material terhadap jumlah yang impact on the amounts reported in the
dilaporkan di periode berjalan atau current period or prior years.
tahun sebelumnya.
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Informasi
Kelangsungan Usaha
● Business Continuity Information
Hal-Hal yang Berpotensi Penurunan tingkat suku bunga BI, The reduction in BI interest rates and the
pemberian stimulus dari pemerintah government's stimulus to boost public
Berpengaruh Signifikan
untuk tingkat belanja masyarakat spending (which have stimulated the
terhadap Kelangsungan
sehingga dapat menggerakkan national economy) have been deemed to
Usaha perekonomian nasional menjadi katalis serve as positive catalysts for maintaining
Matters with Potential positif dalam menjaga kondisi ekonomi economic and industrial conditions in
Significant Impacts on dan industri di Indonesia. Meski Indonesia. Although these positives
Business Continuity dibayangi oleh sejumlah tantangan dari have been overshadowed by a number
sisi eksternal, namun kondisi ekonomi of external challenges, the maintained
nasional yang terjaga mampu menjaga national economic conditions helped to
kondisi perbankan sepanjang tahun sustain banking conditions throughout
2025. 2025.
Seiring dengan perbaikan kondisi As conditions have improved in 2025,
yang terjadi di tahun 2025, Allo Bank Allo Bank believes that the Bank's
memandang bahwa kinerja Bank ke performance will continue to improve
depan akan dapat terus ditingkatkan. in the future. This optimism is supported
Optimisme ini turut didukung dengan by a solid business foundation and the
pondasi bisnis yang solid dan dukungan support of the CT Corpora ecosystem
dari ekosistem CT Corpora dan mitra- and other strong strategic partners
mitra strategis lainnya yang kuat that enable the Bank to optimize its
sehingga Bank memiliki keunggulan performance in addressing future
yang dapat mengoptimalkan kinerjanya challenges. The Bank is also actively
dalam mengatasi berbagai tantangan adapting to current conditions and
ke depan. Bank juga secara aktif leveraging its strengths to continuously
beradaptasi dengan kondisi terkini dan develop its products and services to
memanfaatkan keunggulan yang dimiliki provide banking solutions to the public.
sehingga dapat terus mengembangkan The Bank also continues to expand
produk dan layanannya agar dapat its reach through digitalization, which
menghadirkan solusi perbankan bagi allows it to reach more customers
masyarakat. Bank juga terus memperluas while simultaneously increasing the
jangkauan melalui digitalisasi yang effectiveness, efficiency, and security of
dapat menjangkau nasabah lebih jauh its services.
sekaligus meningkatkan efektivitas,
efisiensi, dan keamanan layanan yang
ditawarkan.
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Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
Assessment Manajemen atas Hal-hal yang Berpengaruh Signifikan terhadap
Kelangsungan Usaha
Management’s Assessment of Matters Significantly Impacting Business Continuity
Bank telah menyusun dan menerapkan manajemen risiko The Bank has carefully developed and implemented risk
secara cermat, mulai dari penetapan sejumlah risiko utama management, beginning with its process of identifying key
hingga upaya mitigasinya. Selain itu, manajemen Bank juga risks and developing mitigation efforts. Furthermore, the Bank's
melakukan evaluasi dan assessment terkait hal-hal yang management has conducted evaluations and assessments
berpengaruh signifikan terhadap kelangsungan usaha Bank. related to matters significantly impacting the Bank's business
Dewan Komisaris dan Direksi turut berperan dalam berbagai continuity. The Board of Commissioners and the Board of
upaya untuk mengelola potensi risiko yang berpengaruh Directors play a role in various efforts to manage potential risks
signifikan terhadap kelangsungan usaha Bank. Assessment that significantly impact the Bank's business continuity. The
manajemen dilakukan dengan memperhatikan berbagai management assessment is carried out by taking various factors
faktor, seperti analisis kekuatan kondisi keuangan Bank into consideration, such as an analysis of the Bank's financial
maupun operasional. Berdasarkan hasil assessment tersebut, strength and operational conditions. Based on its assessment
manajemen tidak mendapati adanya hal-hal yang berpengaruh results, the management was not able to identify any matters
signifikan terhadap kelangsungan usaha Allo Bank. that have significantly impacted Allo Bank's business continuity.
Asumsi yang Digunakan Manajemen dalam Melakukan Assessment
Assumptions Used by Management in Conducting its Assessments
Manajemen melaksanakan asesmen kemampuan Bank dalam Management conducted an assessment of the Bank's ability to
melanjutkan kelangsungan usahanya di masa yang akan continue its business continuity in the future through a variety of
datang dengan menggunakan asumsi dan pertimbangan assumptions and considerations. These come in the form of an
berupa analisis SWOT (Strengths, Weaknesses, Opportunities, S.W.O.T. (Strengths, Weaknesses, Opportunities, and Threats)
and Threats). Analisis SWOT yang dilakukan telah analysis. This S.W.O.T analysis took into account several
mempertimbangkan sejumlah faktor yang dianggap penting, factors deemed important, such as financial performance,
seperti kinerja keuangan, likuiditas, solvabilitas, profitabilitas, liquidity, solvency, profitability, current and future micro and
kondisi ekonomi mikro dan makro pada saat ini maupun macroeconomic conditions, and business competition in the
masa yang akan datang, serta persaingan usaha di industri digital banking industry.
perbankan digital.
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Pengungkapan Permodalan dan
Manajemen Risiko
● Capital and Risk Management Disclosures
Profil Risiko Berdasarkan kondisi dan langkah-langkah yang dilakukan dalam pengelolaan risiko
sepanjang tahun 2025, maka penilaian Profil Risiko Bank pada tahun buku 2025 adalah
Risk Profile
sebagai berikut:
Periode September 2025
September 2025 Period
Profil Risiko Peringkat Kualitas Penerapan
Risk Profile Peringkat Risiko Inheren Manajemen Risiko Peringkat Tingkat Risiko
Inherent Risk Rating Risk Management Risk Level Rating
Implementation Quality Rating
Risiko Kredit Low to Moderate Satisfactory 2
Credit Risk
Risiko Pasar Low to Moderate Satisfactory 2
Market Risk
Risiko Likuiditas Low Satisfactory 2
Liquidity Risk
Risiko Operasional Low to Moderate Satisfactory 2
Operational Risk
Risiko Stratejik Low to Moderate Satisfactory 2
Strategic Risk
Risiko Hukum Low Satisfactory 2
Legal Risk
Risiko Kepatuhan Low to Moderate Satisfactory 2
Compliance Risk
Risiko Reputasi Low to Moderate Satisfactory 2
Reputational Risk
Peringkat Komposit 2
Composite Rating
Secara umum peringkat komposit Profil Risiko Bank pada PT Allo Bank Indonesia Tbk (hereinafter referred to as the
periode Desember 2025 berada pada peringkat 2. Penilaian "Bank") had a general composite Risk Profile rating of 2 for the
tersebut sama dengan periode sebelumnya yaitu peringkat 2. period of December 2025. As of December 2025, the Bank has
Sampai posisi Desember 2025, Bank melakukan cukup banyak carried out significant ongoing efforts across various aspects to
upaya berkelanjutan dari berbagai aspek untuk memposisikan further position its composite Risk Profile to achieve a ranking
Profil Risiko secara komposit tetap berada pada peringkat 2. of 2.
Dengan pendekatan self assessment tersebut, hasil perhitungan The Bank's commitment to risk management can be seen
Risiko Inheren, Kualitas Penerapan Manajemen Risiko dan through its use of this self-assessment approach and the results
Peringkat Risiko Inheren menunjukkan komitmen pengelolaan of its Inherent Risk, Risk Management Implementation Quality,
risiko Bank. Pada posisi Desember 2025 dari sisi pendapatan, and Inherent Risk Rating calculations. In terms of revenue, as
Bank telah meningkatkan pendapatan organiknya dari proses of December 2025, the Bank was able to increase its organic
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Based on the conditions and steps taken in risk management throughout 2025, the
Bank's Risk Profile assessment for the 2025 financial year is as follows:
Periode Desember 2025
December 2025 Period
Peringkat Kualitas Penerapan
Peringkat Risiko Inheren Manajemen Risiko Peringkat Tingkat Risiko
Inherent Risk Rating Risk Management Implementation Risk Level Rating
Quality Rating
Low Satisfactory 2*
Low to Moderate Satisfactory 2
Low to Moderate Satisfactory 2
Low to Moderate Satisfactory 2
Low to Moderate Satisfactory 2
Low Satisfactory 2*
Low to Moderate Satisfactory 2
Moderate Satisfactory 2
2
kredit dan juga pendapatan Bank dari aset-aset produktif lain income from credit processing, as well as its income from
terutama bisnis ritelnya. Kecukupan modal Bank per Desember other productive assets, particularly when it came to its retail
2025 telah sesuai dengan ketentuan yang berlaku dan sejalan business. The Bank's capital adequacy as of December 2025
dengan rencana strategi Bank. complies with all applicable regulations and is in alignment with
the Bank's strategy.
Kualitas Penerapan Manajemen Risiko (KPMR) seluruhnya Overall, the Bank's Risk Management Implementation Quality
berada pada peringkat ”Satisfactory”, dimana Bank secara is ranked as "Satisfactory." The Bank continues to address its
terus-menerus memperbaiki kelemahan yang ada dan akan existing weaknesses and will continue to make improvements
terus melakukan perbaikan untuk dapat menjaga peringkat to maintain this rating.
tersebut.
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Risiko Kredit Credit Risk
Risiko Kredit adalah risiko yang timbul sebagai akibat Credit Risk represents any risk arising from a counter-party's
kegagalan counterparty memenuhi liabilitasnya. Bank failure to meet its obligations. The Bank manages its credit risk
melakukan pengelolaan risiko kredit dengan menyusun strategi by developing strategies and frameworks, as well as by efforts
dan kerangka kerja serta menjalankan upaya mitigasi risiko to implement risk mitigation efforts across its micro, retail,
atas aspek bisnis perkreditan mikro, retail, komersial, maupun commercial, and consumer lending businesses, its inter-bank
konsumsi, penempatan antar-bank serta pembelian surat placements, and its securities purchases.
berharga.
1. Tata Kelola Risiko 1. Risk Governance
Dewan Komisaris dan Direksi memiliki pemahaman yang The Board of Commissioners and the Board of Directors have
baik untuk melakukan pengawasan secara aktif terhadap a strong sense of understanding for how to actively oversee
manajemen perkreditan. Tugas dan wewenang Direksi credit management. The Board of Directors optimizes
dioptimalkan melalui tanggung jawab atas penyusunan its duties and authorities through its responsibility for
rencana dan kebijakan perkreditan, memastikan kepatuhan developing credit plans and policies that ensure the Bank's
Bank terhadap ketentuan undang-undang dan peraturan compliance with applicable laws and regulations. It also
yang berlaku, serta melakukan pelaporan secara berkala provides regular reports to the Board of Commissioners for
kepada Dewan Komisaris mengenai pelaksanaan matters pertaining to credit disbursement implementation,
pemberian kredit, memitigasi setiap potensi risiko kredit, and for matters related to its efforts at mitigating any
pengawasan terhadap penyimpangan dalam pemberian potential credit risks, for monitoring irregularities in credit
kredit, dan upaya terus meningkatkan kualitas kredit Bank. disbursement, and for efforts to improve the Bank's credit
quality.
Dalam melakukan proses pemberian kredit, Bank mengacu When it comes to its credit disbursement process, the
kepada aturan regulator dan prinsip kehati-hatian dalam Bank adheres to regulations and prudential principles
menilai kualitas debitur sebelum pemberian kredit dilakukan. for assessing debtor quality before credit is granted. This
Proses penilaian tersebut dilakukan dengan melihat faktor assessment process takes into account factors such as
prospek usaha debitur, cashflow debitur, dan kemampuan the debtor's business prospects, cash flow and repayment
membayar debitur. capacity.
Pengelolaan kredit pada segmen wholesale dilakukan Credit management in the wholesale segment is carried
dengan suatu metode dalam memonitor kinerja debitur, out using a method to monitor debtor performance. This
sehingga tindak lanjut (action plan) dapat segera dilakukan ensures that follow-up action plans can be implemented
untuk mencegah penurunan kualitas kredit debitur. Bank promptly to prevent any potential decline in debtor credit
juga melakukan proses monitoring yang bertujuan untuk quality. The Bank also carries out a monitoring process
mengidentifikasi debitur yang berpotensi mengalami aimed at identifying debtors who may experience difficulties
kesulitan membayar kewajiban. in repaying their obligations.
Pengelolaan risiko kredit Bank diarahkan untuk The Bank's credit risk management is aimed at maintaining
meningkatkan keseimbangan antara ekspansi kredit yang a balance between healthy credit expansion and prudent
sehat dengan pengelolaan kredit yang prudent, sehingga credit management to ensure that potential deterioration in
potensi penurunan kualitas debitur dapat dimitigasi sedini debtor quality can be mitigated as early as possible.
mungkin.
Proses kredit telah dilakukan sesuai dengan Pedoman dan The Bank's credit process is carried out in accordance with
SOP perkreditan yang ada. Pedoman dan SOP berfungsi existing credit guidelines and standard operating procedures
sebagai petunjuk dalam melakukan proses pemberian (SOPs). These guidelines and SOPs serve as guidelines for
kredit, mulai dari tahap permohonan melalui proposal, the Bank's credit granting process. They encompass all
proses analisa, persetujuan, dokumentasi, pengawasan, aspects ranging from the application stage through the
hingga proses restrukturisasi. Selain itu, penetapan suku proposal stage, through analysis, approval, documentation,
bunga kredit selalu dikaji ulang setiap bulan melalui Asset supervision, and restructuring. Furthermore, the method
and Liabilities Committee (ALCO). for determining credit interest rates is reviewed monthly
through the Bank's Asset and Liabilities Committee (ALCO).
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2. Kerangka Manajemen Risiko 2. Risk Management Framework
Kerangka manajemen risiko kredit mencakup kecukupan The Bank's credit risk management framework encompasses
kebijakan, prosedur dan penetapan limit. Kebijakan dan the quality of its policies, procedures, and limit setting.
prosedur pengelolaan risiko kredit yang telah disetujui Credit risk management policies and procedures are
oleh Direksi, telah dikomunikasikan dengan optimal oleh approved by the Board of Directors and have been optimally
Divisi yang menangani aktivitas fungsional yang memiliki communicated by their respective Divisions in charge of
eksposur risiko kredit. handling functional activities that are exposed to credit risk.
Untuk menjaga agar eksposur risiko kredit sesuai dengan To ensure that credit risk exposure is maintained in a way
risk appetite, Bank menetapkan batasan (limit), antara that keeps it line with risk appetite, the Bank establishes
lain susunan dan kewenangan kredit yang disesuaikan limits, including limits to credit structure and authority,
dengan ukuran dan kompleksitas Bank. Selain itu, Bank tailored to the Bank's size and complexity. Furthermore, the
juga memiliki kebijakan untuk menjaga risiko kredit sesuai Bank also has a policy to maintain credit risk that ensures
dengan Batas Maksimum Pemberian Kredit (BMPK) yang this risk is in line with Legal Lending Limits (LLL) that comply
sesuai dengan ketentuan pengawas. with supervisory regulations.
3. Proses Manajemen Risiko 3. Risk Management Process
Proses manajemen risiko kredit bertujuan untuk The Bank's credit risk management process aims to identify,
mengidentifikasi, mengukur, memantau, dan measure, monitor, and control Credit Risk. The Bank's focus
mengendalikan Risiko Kredit. Hal yang menjadi perhatian in the future is evaluating and improving the effectiveness
Bank ke depan adalah mengevaluasi dan meningkatkan of its work units that carry out early credit quality monitoring
efektivitas pelaksanaan unit kerja yang melakukan procedures. Meanwhile, the Bank's current focus is on
pemantauan kualitas kredit sejak dini. Konsentrasi terbesar mitigating credit risk, including the potential for greater
yang dilakukan Bank saat ini adalah memitigasi risiko kredit credit risk.
termasuk terhadap potensi meningkatnya risiko kredit yang
lebih besar.
Kecukupan sistem informasi manajemen dinilai memenuhi The Bank's adequacy in terms of its management information
ekspektasi, hal ini terlihat dari pelaporan kredit kepada system has been deemed to meet expectations. This can
Dewan Komisaris dan Direksi mengenai eksposur risiko be seen evidenced through effective reporting of credit risk
yang berjalan dengan baik, sehingga data yang disajikan exposures to the Board of Commissioners and Board of
dapat membantu secara optimal dalam pengambilan Directors that ensure optimal decision-making. The Bank
keputusan. Saat ini Bank sedang mengkaji ulang seluruh is currently reviewing its entire Risk Management MIS. The
SIM manajemen Risiko. Kualitas SDM Bank dalam aspek quality of the Bank's human resources in the credit aspect
perkreditan memadai, dimana telah ada pembagian antara is adequate and has a clear division between First Line
Lini Pertama dengan Lini Kedua. Awareness risk taking unit and Second Line personnel. Levels of awareness in terms
terhadap risiko kredit terus ditingkatkan seperti kompetensi of credit risk continues to be improved among risk-taking
dan kemampuan dalam menjalankan credit process units, with improvements in areas involving competence
berdasarkan aspek kehati-hatian. and their ability to implement the credit process in ways
that are based on prudent principles.
4. Sistem Pengendalian Internal 4. Internal Control System
Bank terus berusaha menyempurnakan Sistem Pengendalian The Bank continues to put in efforts to improve its Internal
Internal pada aspek penyaluran kredit. Fungsi operasional Control System when it comes to credit distribution. Its
dan fungsi manajemen risiko kredit telah dipisahkan secara operational and credit risk management functions have
jelas. Proses inisiasi (ex ante) telah dilakukan review secara been clearly separated. Its initiation process (ex ante) has
optimal oleh tim reviewer yang menganalisa setiap potensi been optimally reviewed by a team that analyzes every
kredit yang mungkin timbul, sementara tim Internal Audit potential credit issue. Meanwhile, the Bank's Internal Audit
(SKAI) melaksanakan evaluasi secara berkala (post review) (SKAI) team carries out periodic evaluations to assess the
untuk menilai pelaksanaan manajemen risiko kredit dan implementation of credit risk management and internal
pengendalian internal pada aktivitas fungsional yang controls in any functional Bank activities that are exposed
memiliki eksposur risiko kredit. to credit risk.
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Risiko Pasar Market Risk
Risiko pasar merupakan risiko yang timbul dari portofolio yang Market risk represents any risk arising from the Bank's portfolio
dimiliki oleh Bank karena adanya pergerakan adverse movement due to adverse market movements, including interest rate risks
di pasar, termasuk risiko suku bunga dan risiko nilai tukar, yang and exchange rate risks that have the potential to harm the
berpotensi merugikan Bank. Dengan mempertimbangkan Bank. Considering that the Bank is a non-foreign exchange bank
posisi Bank sebagai Bank Non-Devisa yang tidak melakukan that does not engage in trading activities in its asset portfolio
kegiatan trading baik pada portofolio aset maupun kewajiban or in liabilities for derivative products and Fair Value Options,
terhadap produk derivatif dan Fair Value Option, Bank tetap the Bank remains committed to continuously monitoring
berkomitmen untuk selalu melakukan pemantauan terhadap potential market risks and continuously improving the quality
potensi Risiko Pasar serta terus meningkatkan Kualitas of its market risk management implementation through efforts
Penerapan Manajemen Risiko Pasar dengan mengkaji kualitas that see it regularly reviewing its documentation quality and
pemenuhan serta kelengkapan dokumen secara berkala. comprehensiveness.
1. Tata Kelola Risiko 1. Risk Governance
Pengelolaan risiko pasar Bank dilakukan dengan The Bank's market risk management is carried out by taking
mempertimbangkan terbatasnya instrumen yang dikelola into account its limited instruments and the low potential
Bank serta rendahnya potensi risiko instrumen yang dimiliki. risk they carry. The Bank has also conducted stress testing
Untuk mengelola pergerakan variabel pasar, Bank telah on interest rate instruments exposed to market risk to
melakukan Stress Testing pada instrumen suku bunga yang calculate potential financial impacts and manage market
terekspos risiko pasar dalam rangka menghitung potensi fluctuations. All of the Bank's market risk management is
dampak keuangan yang timbul. Selain itu, pengelolaan supported by a framework of limits and policies designed
risiko pasar didukung oleh kerangka limit dan kebijakan to control acceptable levels of risk. Market risk limits are
untuk mengontrol risiko yang dapat diterima oleh Bank. allocated at various levels and are monitored daily by
Limit risiko pasar dialokasikan pada berbagai tingkatan the Treasury Division. At the same time, the Bank is not
dan dipantau oleh Divisi Treasury secara harian. Bank significantly exposed to exchange rate risk. Any interest
tidak terekspos secara signifikan pada risiko nilai tukar. rate risks managed by the Bank originates primarily from
Risiko suku bunga yang dikelola oleh Bank sebagian besar its banking book positions, with no trading book positions.
berasal dari posisi banking book dan tidak terdapat posisi As part of its market risk management, the Bank identifies,
trading book. Sebagai bagian dari pengelolaan risiko pasar, measures, monitors, and controls market risk efforts carried
Bank melakukan identifikasi, pengukuran, pemantauan dan out by its relevant business units.
pengendalian risiko pasar, yang dilakukan oleh unit bisnis
terkait.
Dewan Komisaris dan Direksi memiliki awareness dan The Board of Commissioners and the Board of Directors
pemahaman yang baik tentang manajemen Risiko Pasar have a good sense of awareness and understanding of
dan sudah diinternalisasikan dengan baik pada seluruh Market Risk management. This understanding has been well
jenjang organisasi untuk memastikan bahwa penerapan internalized at all levels of the organization to ensure that
manajemen risiko terhadap nilai tukar dan suku bunga telah risk management implementation efforts on exchange rates
sesuai dengan tujuan strategis, skala, karakteristik bisnis and interest rates are carried out in accordance with the
dan profil risiko nilai tukar dan suku bunga Bank, termasuk Bank's strategic objectives, scale, business characteristics
memastikan integrasi penerapan manajemen risiko nilai and risk profile for any of these exchange and interest rates.
tukar dan suku bunga dengan risiko-risiko lainnya yang These efforts include ensuring that exchange rate and
dapat berdampak pada posisi risiko Bank. interest rate risk management implementation with other
risks that may impact the Bank's risk position.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Strategi manajemen risiko dilakukan searah dengan tingkat Risk management strategies are designed to align with the
risiko yang diambil dan toleransi risiko pasar. Penetapan risk levels and market risk tolerance. The Bank periodically
dan evaluasi kebijakan strategi pengelolaan risiko pasar determines and evaluates market risk management
yang berkaitan dengan risiko suku bunga dan risiko valuta strategies related to interest rate risk and foreign exchange
asing dilakukan secara berkala melalui Asset and Liabilities risk through its Asset and Liabilities Committee (ALCO),
Committee (ALCO), termasuk strategi dalam penataan including strategies for structuring its investment portfolio
portofolio investasi dan strategi penataan struktur neraca and structuring its balance sheet by way of anticipating
melalui antisipasi perubahan suku bunga sehingga dapat changes in interest rates to achieve an optimal net interest
dicapai tingkat marjin bunga bersih (Net Interest Margin/ margin (NIM).
NIM) yang optimal.
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Bank memiliki berbagai perangkat organisasi dalam The Bank has various organizational tools to support its
mendukung terlaksananya manajemen risiko pasar secara effective implementation of market risk management,
efektif termasuk kejelasan wewenang dan tanggung jawab. including clarity of authority and responsibility. In this
Dalam hal ini, Direksi telah mendelegasikan wewenang dan regard, the Board of Directors has delegated the following
tanggung jawab antara lain: forms of authority and responsibility:
a. Divisi Treasury sebagai pengelola portofolio dan a. The Treasury Division manages portfolios and foreign
transaksi jual beli valuta asing dalam rangka pemenuhan exchange trading transactions to meet customer needs
kebutuhan nasabah dan untuk memperoleh and generate income.
pendapatan.
b. Asset and Liabilities Committee (ALCO) yang b. The Asset and Liabilities Committee (ALCO) establishes
menetapkan kebijakan pada strategi risiko nilai tukar policies on exchange rate and interest rate risk
dan suku bunga. strategies.
c. Terdapat kejelasan dalam pelaksanaan komite terkait c. Ensuring clarity in the implementation of the relevant
dan telah ada delegasi wewenang yang berjalan baik. committees and effective delegation of authority.
d. Divisi Enterprise, Operational and Market Risk d. The Enterprise, Operational, and Market Risk Division
yang bertanggung jawab sebagai lini kedua dalam is responsible for acting as the second line of market
pengelolaan risiko pasar. Untuk itu Bank telah risk management. To this end, the Bank has ensured
melakukan pemenuhan SDM untuk menjalankan fungsi adequate human resources to carry out its Market Risk
fungsi Manajemen Risiko Pasar. Management functions.
Kebijakan pengelolaan risiko pasar dan limit risiko pasar The Bank's management has established market risk
ditetapkan oleh manajemen serta diinformasikan ke risk management policies and market risk limits that it
taking unit. Kebijakan dan limit ini ditinjau ulang secara communicates to risk-taking units. These policies and limits
berkala untuk disesuaikan dengan perkembangan kegiatan are periodically reviewed to align with Treasury activities (in
Treasury pada khususnya dan perkembangan pasar dan particular) and with market developments, and internal and
ketentuan internal maupun eksternal pada umumnya. external regulations (in general).
3. Proses Manajemen Risiko 3. Risk Management Process
Proses manajemen risiko pasar dilakukan Bank melalui The Bank's market risk management process is carried out
Asset and Liabilities Committee (ALCO) yang menetapkan through its Asset and Liabilities Committee (ALCO), which
tingkat suku bunga dengan mengoptimalkan kondisi sets interest rates by optimizing market fluctuations.
pergerakan pasar.
Untuk mengelola risiko karena adanya pergerakan variabel The Bank periodically evaluates its market risk limits, which
pasar, yaitu suku bunga, nilai tukar dan harga pasar dari consist of budget loss limits for trading book and banking
portofolio yang dimiliki, Bank melakukan evaluasi secara book activities. It does this as a way to manage risks due to
berkala terhadap limit-limit risiko pasar yang terdiri dari fluctuations in market variables, specifically, interest rates,
budget loss limit untuk aktivitas trading book serta banking exchange rates, and market prices within its portfolio. In
book. Selain itu terdapat pula limit Repricing Gap digunakan addition, a Repricing Gap limit is used to manage interest
untuk mengelola interest rate risk in banking book yang rate risk within banking books. This limit is periodically
dilakukan secara berkala. reviewed.
Sistem informasi manajemen risiko pasar memenuhi Overall, this market risk management information system
ekspektasi dimana risk owner menyampaikan laporan posisi has been deemed to meet expectations, with risk owners
risiko pasar kepada manajemen secara berkala. Bank juga reporting market risk positions to management on a regular
memiliki Sumber Daya Manusia (SDM) yang cukup dan basis. The Bank also has sufficient Human Resources (HR)
didukung dengan pemahaman yang baik. Bank akan terus with developed of understanding. The Bank will continue
meningkatkan kompetensi demi tercapainya strategi bisnis to improve its competency to achieve its treasury business
treasury sebagai profit center dan menerapkan strategi strategy as a profit center and implement a fund placement
penempatan dana yang dapat meminimalisir kerugian yang strategy that minimizes losses caused by market risk factors.
disebabkan faktor risiko pasar.
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4. Sistem Pengendalian Internal 4. Internal Control System
Bank melakukan pengendalian pembatasan kerugian yang The Bank implements various controls to limit losses. It
timbul melalui penetapan limit transaksi yaitu limit transaksi does this by establishing transaction limits, specifically,
dealer, cut loss limit, sehingga aktivitas treasury dapat dealer transaction limits and cut-loss limits, all to ensure
dipantau dan dievaluasi. Pengawasan perkembangan that treasury activities can be monitored and evaluated.
aktivitas limit transaksi treasury untuk memastikan Monitoring of treasury transaction limit activity ensures that
bahwa treasury telah mematuhi limit transaksi yang telah the Bank's treasury complies with established transaction
ditetapkan, terutama untuk cut-loss limit menjadi prioritas. limits, particularly the cut-loss limit, which it considers a
priority.
Pelaksanaan kaji ulang independen (independent review) Independent reviews are conducted by the Internal Audit
dilakukan oleh fungsi SKAI dengan metodologi dan Unit (SKAI) using a methodology and a level of frequency
frekuensi sesuai aturan, dimana hasil kaji ulang dilaporkan that is in accordance with regulations. The results of these
kepada Dewan Komisaris dan Direksi. reviews are reported to the Board of Commissioners and
Directors.
Risiko Likuiditas Liquidity Risk
Risiko likuiditas dapat muncul sebagai akibat dari mismatch Liquidity risk can arise from mismatches between the Bank's
antara struktur aset dan liabilitas Bank, dimana Bank berisiko asset and liability structure that put the Bank at risk of being
untuk tidak mampu memenuhi kewajiban yang jatuh tempo dari unable to meet maturing obligations from cash flow funding
sumber pendanaan arus kas dan/atau dari aset likuid berkualitas sources and/or from high-quality liquid assets that can be
tinggi yang dapat dilikuidasi segera dan/atau diagunkan tanpa immediately liquidated and/or pledged without disrupting
mengganggu aktivitas keuangan Bank. Dalam hal ini, Bank the Bank's financial activities. On this matter, the Bank has
menjaga rasio-rasio penilaian risiko likuiditas, nilai outstanding maintained its liquidity risk assessment ratios and the value of its
asset likuid Bank dan rasio-rasio pendukung seperti, Aset Likuid outstanding liquid assets and supporting ratios such as Primary
Primer dan Aset Likuid Sekunder terhadap Total Aset. Rasio Liquid Assets and Secondary Liquid Assets to Total Assets.
LCR dan NSFR dipertahankan di atas batas minimum regulator Its LCR and NSFR ratios are maintained above its regulatory
dan penggunaan dana selalu dilakukan secara optimal dengan minimum limit, while its use of funds is always carried out
tetap memperhatikan ketentuan Otoritas Jasa Keuangan/ optimally while still observing Financial Services Authority/Bank
Bank Indonesia tentang prinsip kehati-hatian serta memiliki Indonesia provisions regarding the principle of prudence. The
contingency funding plan yang memadai sebagai mitigasi Bank also has an adequate contingency funding plan designed
potensi risiko likuiditas yang mungkin timbul. to mitigate any potential liquidity risks that may arise.
1. Tata Kelola Risiko 1. Risk Governance
Dalam mengelola likuiditas, selain primary reserves, Bank In addition to its primary reserves, the Bank also manages
juga menjaga dan mempertahankan secondary reserves its liquidity by maintaining and safeguarding its secondary
untuk memastikan likuiditas berada pada level yang aman. reserves to ensure that its liquidity remains at a safe level.
Ketersediaan atas reserves tersebut dipantau secara harian, The Treasury Division monitors the availability of these
mingguan, dan bulanan oleh Divisi Treasury. reserves daily, weekly, and monthly.
Sebagai bentuk pelaksanaan tugas, Dewan Komisaris In order to carry out their duties, the Board of Commissioners
dan Direksi memiliki awareness dan pemahaman yang and the Board of Directors have a strong sense of awareness
baik mengenai manajemen Risiko Likuiditas. Budaya and understanding when it comes to Liquidity Risk
manajemen risiko likuiditas telah dikomunikasikan dengan management. The Bank's liquidity risk management culture
baik pada seluruh level organisasi. Direksi bertanggung has been well communicated at all levels of the organization.
jawab terhadap penyusunan Contingency Funding Plan The Board of Directors is specifically responsible for
yang berisi langkah yang harus dilakukan oleh Bank dalam developing a Contingency Funding Plan that outlines
mengantisipasi dan menghadapi kondisi kesulitan likuiditas. the steps the Bank must take to anticipate and address
Selain itu, Direksi bertugas memantau kondisi internal dan liquidity challenges. Meanwhile, the Board of Directors
perkembangan faktor eksternal yang secara langsung is responsible for monitoring internal conditions and
maupun tidak langsung mempengaruhi strategi bisnis Bank developments in external factors that directly or indirectly
terkait risiko likuiditas, begitu pula Dewan komisaris selalu affect the Bank's business strategy related to liquidity risk.
memberikan saran kepada Direksi dalam menentukan The Board of Commissioners also provides advice to the
langkah-langkah strategis yang perlu dijalankan. Penetapan Board of Directors for determining any necessary strategic
suku bunga DPK selalu dikaji ulang setiap bulan dalam steps. The Bank's method of determining interest rates for
rapat Asset and Liabilities Committee (ALCO). Third Party Funds (DPK) is reviewed monthly at Asset and
Liabilities Committee (ALCO) meetings.
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2. Kerangka Manajemen Risiko 2. Risk Management Framework
Sebagai strategi pengelolaan risiko likuiditas, Bank As part of its liquidity risk management strategy, the Bank
mengidentifikasi dan memantau berbagai faktor utama works to identify and monitor various key factors affecting
yang mempengaruhi kemampuan Bank untuk memperoleh its ability to obtain funding sources, including any potential
sumber pendanaan, termasuk sumber alternatif yang dapat alternative sources that can strengthen its capacity to
memperkuat kapasitas untuk bertahan pada kondisi krisis. withstand crisis conditions. Liquidity needs management is
Fungsi pengelolaan kebutuhan likuiditas dilakukan oleh carried out by the ALCO and is operated by the Treasury
ALCO dan secara operasional oleh Divisi Treasury. Division.
Kecukupan secondary reserves, strategi menurunkan dana The Bank's means of ensuring adequacy of secondary
jangka pendek dan berbiaya mahal masih terus dilakukan reserves and its strategy to reduce short-term and expensive
dengan mempertimbangkan maturity gap yang terukur funds are still being implemented and are being designed to
dan seimbang. Pemantauan dan pengendalian terhadap take into account a measured and balanced maturity gap.
kondisi likuiditas terus menjadi perhatian dari manajemen. Efforts to monitor and control liquidity conditions continue
to be an area of focus for management.
Direksi telah mendelegasikan wewenang dan tanggung The Board of Directors has delegated the Treasury Division
jawab kepada Divisi Treasury dalam mengelola likuiditas with the authority and responsibility to manage the Bank's
Bank untuk memelihara Giro Wajib Minimum (GWM), Loan liquidity, including maintaining its Minimum Reserve
to Funding Ratio (LFR), serta memastikan pengelolaan Requirement (GWM) and its Loan-to-Funding Ratio (LFR),
secondary reserves sejalan dengan tujuan strategis, juga as well as ensuring that secondary reserves are managed in
peran ALCO dalam menetapkan kebijakan dan strategi line with strategic objectives. This also includes the ALCO's
likuiditas. role in establishing liquidity policies and strategies.
Kebijakan manajemen risiko likuiditas Bank mencakup The Bank's liquidity risk management policy encompasses
manajemen likuiditas, pemeliharaan cadangan likuiditas liquidity management, maintaining optimal liquidity reserves,
yang optimal, penetapan strategi pendanaan, proyeksi arus establishing a funding strategy, cash flow projections,
kas, profil maturitas, penetapan limit likuiditas, dan Rencana maturity profiles, setting liquidity limits, and having a
Pendanaan Darurat (Contingency Funding Plan). Kebijakan Contingency Funding Plan. This policy is designed to
ini bertujuan untuk memastikan kecukupan dana harian ensure that the Bank has sufficient daily funds from various
dalam memenuhi kewajiban pada kondisi normal maupun available funding sources that can meet its obligations in
kondisi krisis secara tepat waktu dari berbagai sumber dana a timely manner under both normal conditions and crisis
yang tersedia. situations.
3. Proses Manajemen Risiko 3. Risk Management Process
Dalam upaya mitigasi risiko likuiditas, Bank telah To mitigate its liquidity risk, the Bank has implemented its
menerapkan Rencana Pendanaan Darurat (Contingency own Contingency Funding Plan. The Bank maintains its
Funding Plan) dalam upaya memitigasi risiko. Bank menjaga liquidity reserves by maintaining a sufficient amount of high-
cadangan likuiditas dengan mempertahankan jumlah aset quality liquid assets that enable it to meet its commitments
likuid berkualitas tinggi yang cukup untuk memenuhi to customers and other parties, including commitments
komitmennya kepada para nasabah dan pihak lainnya, for providing credit, repaying customer deposits, meeting
baik dalam rangka pemberian kredit, pembayaran kembali liquidity needs, and ensuring that the amount of assets the
simpanan nasabah, pemenuhan kebutuhan likuiditas dan Bank has that mature in each period can cover the amount
menjaga agar jumlah aset yang jatuh tempo pada setiap of maturing liabilities.
periode dapat menutupi jumlah liabilitas yang jatuh tempo.
Early Warning System (EWS) sebagai salah satu sistem The Bank's Early Warning System (EWS) continues to be
informasi atas terjadinya pemburukan situasi yang improved. It serves as an information system for deteriorating
bisa membahayakan posisi likuiditas terus ditingkatkan situations that could endanger the Bank's liquidity position,
mengingat EWS merupakan sebuah metodologi analisa and can additionally be used as an analytical methodology
yang dapat digunakan untuk mendeteksi suatu masalah for detecting liquidity problems, for evaluating the Bank's
likuiditas, untuk mengevaluasi kebutuhan pendanaan Bank, funding needs, and for managing strategies in times of
dan strategi pada saat krisis. crisis.
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4. Sistem Pengendalian Risiko 4. Risk Control System
Pengendalian risiko likuiditas dilakukan oleh Divisi Treasury The Treasury Division carries out liquidity risk controls to
sebagai tindak lanjut hasil pemantauan kinerja dan serve as follow-ups to any performance and compliance
kepatuhan unit kerja operasional terhadap limit likuiditas evaluations for operational work units with established
yang telah ditetapkan. Secara khusus, Divisi Treasury liquidity limits. The division specifically monitors liquidity
memperhatikan indikator peringatan dini (early-warning positions as part of its liquidity management process and
indicators) dalam memantau posisi likuiditas sebagai bagian identifies potential scenarios of increased risk in both
dari proses manajemen likuiditas serta untuk mengetahui normal and abnormal conditions. It also focuses on funding
peningkatan potensi risiko dalam menghadapi kondisi strategies, including diversifying funding sources and
normal maupun kondisi tidak normal, yang meliputi strategi maturities to support the Bank's business plan.
pendanaan mencakup diversifikasi sumber dan jangka
waktu pendanaan untuk mendukung rencana bisnis Bank.
Tanggapan terhadap temuan dan hasil kaji ulang sudah Responses to the results of findings and reviews have been
dilakukan dengan optimal, dimana dual control system telah deemed to be optimal. Improvements have also been
diperbaiki dari sisi mekanisme dan prosedur, serta perbaikan made to the dual control system, including improvements
pada fungsi pengawasan. Kaji ulang independen dilakukan in mechanisms and procedures, as well as improvements
termasuk adanya perbaikan dalam aspek metodologi. to the supervisory function. Independent reviews have
also been carried out, including reviews for determining
methodology improvements.
Risiko Operasional Operational Risk
Risiko operasional adalah risiko yang disebabkan adanya Operational risk is the risk caused by inadequate and/or
ketidakcukupan dan/atau tidak berfungsinya proses internal malfunctioning internal processes (policies, systems, and
(kebijakan, sistem, dan prosedur), kesalahan sistem, kesalahan procedures), system errors, human errors, or external issues
manusia, atau adanya problem eksternal yang mempengaruhi that impact the Bank's operations.
operasional Bank.
1. Tata Kelola Risiko 1. Risk Governance
Dewan Komisaris dan Direksi memiliki awareness dan The Board of Commissioners and Directors have a
pemahaman yang baik mengenai manajemen Risiko strong sense of awareness and understanding when it
Operasional. Budaya manajemen Risiko Operasional telah comes to Operational Risk management. The Bank has
diinternalisasikan dengan baik pada seluruh level organisasi. its own Operational Risk management culture that has
Penerapan manajemen risiko operasional dilakukan been well internalized at all levels of the organization.
melalui desain struktur organisasi yang menggambarkan Its implementation of operational risk management is
keterlibatan seluruh pihak yang terkait manajemen risiko carried out through an organizational structure design
operasional, yaitu Dewan Komisaris, Direksi, Komite that reflects the involvement of all parties involved in
Manajemen Risiko, Satuan Kerja Manajemen Risiko, Unit operational risk management. These parties encompass
Kerja Operasional, Fungsi Manajemen Risiko Operasional, the Board of Commissioners, the Board of Directors, the
dan Satuan Kerja Audit Internal. Risk Management Committee, the Risk Management Work
Unit, the Operational Work Unit, the Operational Risk
Management Function, and the Internal Audit Work Unit.
Bank juga telah memiliki Product Forum pada level The Bank also maintains a Product Forum at the operational
operasional untuk mendiskusikan semua inisiatif produk level to discuss all new product initiatives and activities
dan aktivitas baru sebelum dilakukan eskalasi melalui before escalating them to the Product Committee at the
Komite Produk pada level Direksi. Hal ini dilakukan secara Board of Directors level. This process is done quickly and
cepat berdasarkan prinsip agile dalam pengembangan on the basis of the Bank's agile product development
produk Bank, sehingga setiap risiko baru dapat diantisipasi principles. This ensures that any new risks can be anticipated
dan dilakukan mitigasi risiko sedini mungkin. and mitigated as early as possible.
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Struktur tata kelola manajemen Risiko Operasional Bank The Bank's Operational Risk management governance
menggambarkan keterkaitan antara fungsi manajemen structure illustrates the interrelationships between the
Risiko Operasional pada tingkat perusahaan (Corporate Operational Risk management function at the corporate
Level), tingkat unit kerja operasional, dan keterlibatan dari level, the operational work unit level, and the involvement
Satuan Kerja Audit Internal sebagai Fungsi Assurance. of the Internal Audit Work Unit as the Assurance Function.
Perumusan tingkat risiko yang diambil (risk appetite) dan The Bank's process of formulating its risk appetite and risk
toleransi risiko (risk tolerance) dilakukan sejalan dengan tolerance is carried out in line with the Bank's business
sasaran strategi bisnis Bank. strategy objectives.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Bank melakukan manajemen risiko operasional untuk The Bank implements operational risk management to
memastikan bahwa risiko operasional dapat dikelola ensure that its operational risks are effectively managed to
dengan baik dalam upaya memenuhi target usaha Bank meet its business targets while simultaneously adhering to
dengan tetap menerapkan prinsip kehati-hatian pada the principle of prudence in all of its business activities.
setiap kegiatan usaha Bank.
Risk Taking Unit sebagai fungsi yang melakukan proses The Risk Taking Unit, as the function responsible for
pengelolaan risiko dari setiap aktivitas di unit operasional, managing the risks of each operational unit, is equipped
dalam melaksanakan tugasnya dilengkapi dengan alat with an RCSA tool to facilitate risk management within each
bantu RCSA untuk memberikan kemudahan dalam work unit. The parameters contained in this new tool serve
mengelola risiko yang dimiliki oleh masing-masing unit as an extension of previous parameters and are developed
kerja. Parameter yang terdapat dalam alat bantu yang baru on the basis of periodic evaluations.
merupakan pengembangan dari parameter sebelumnya
yang disusun berdasarkan hasil evaluasi berkala.
Kecukupan Kebijakan dan prosedur operasional sudah The Bank's adequacy when it comes to operational policies
dilakukan dengan memadai secara menyeluruh. and procedures has been comprehensively implemented.
Pembenahan Kebijakan dan Standar Operating Procedure Improvements to policies and Standard Operating
(SOP) dalam rangka Perbaikan Tata Kelola Perusahaan Procedures (SOPs) are currently underway to improve
yang Baik (Good Corporate Governance/GCG). Good Corporate Governance (GCG).
3. Proses Manajemen Risiko 3. Risk Management Process
Implementasi proses identifikasi, pengukuran, pemantauan The Bank's process of identifying, measuring, monitoring,
dan pengendalian risiko operasional dilakukan pada kantor and controlling operational risks is implemented at its head
pusat, seluruh kantor cabang dan unit kerja yang terkait office, at all branch offices, and throughout operational
dengan bidang operasional. Bank terus menyempurnakan work units. The Bank continues to refine its operational risk
metodologi pengelolaan risiko operasional. Telah dilakukan management methodology. Various programs have been
berbagai program untuk peningkatan kesadaran risiko implemented to increase risk awareness as a precursor
sebagai awal dari roll out metodologi pengelolaan risiko. to rolling out its risk management methodology. This
Proses ini juga mendapatkan pengawasan aktif Dekom dan process also receives active oversight from the Board of
keterlibatan aktif dari Direksi Bank. Commissioners and active involvement from the Bank's
Board of Directors.
Untuk memastikan Bank dapat melayani transaksi To ensure the Bank can serve banking transactions 24 hours
perbankan yang berlangsung 24 jam sehari tanpa a day without any interruptions, the Bank has prepared two
gangguan, Bank telah mempersiapkan 2 (dua) Data Data Centers designed with environmental redundancy and
Center yang dirancang dengan pendekatan environment synchronized with its Data Center Control Center (DRC) to
redundancy dan tersinkronisasi dengan DRC untuk ensure business continuity in the event of a failure in the
memastikan kelangsungan usaha apabila terjadi kegagalan Main Data Center.
pada Data Center Utama.
4. Sistem Pengendalian Risiko 4. Risk Control System
Sistem pengendalian internal berjalan cukup efektif dalam The Bank's internal control system has been designed to
mendukung pelaksanaan manajemen risiko Operasional. operative effectively in supporting its Operational Risk
Bank terus berupaya melakukan perbaikan proses dan Management implementation. The Bank continues to put in
pengendalian internal yang lebih efisien sesuai dengan best efforts to improve its processes and boost the efficiency of
practice dan arah bisnis Bank. its internal controls in accordance with best practices and
the Bank's own business direction.
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Pelaksanaan kaji ulang independen (independent The Internal Audit Unit (SKAI) carries out independent
review) dilakukan oleh Satuan Kerja Audit Internal (SKAI) reviews based on a methodology that then has the results of
berdasarkan metodologi, dimana hasilnya dilaporkan these reviews reported to the Board of Commissioners and
kepada Dewan Komisaris dan Direksi. Tindak lanjut atas kaji Board of Directors. Follow-up actions on these independent
ulang independen telah dilaksanakan dengan membuat reviews are carried out by establishing completion targets.
target penyelesaian.
Risiko Stratejik Strategic Risk
Risiko strategis adalah risiko antara lain disebabkan adanya Strategic risk represents any risk caused by any inappropriate
penetapan dan pelaksanaan strategi Bank yang tidak tepat, strategy determination and implementation on the part of the
pengambilan keputusan rencana bisnis yang tidak tetap atau Bank. It also represents risks caused by inconsistent decision-
kurang responsifnya Bank terhadap perubahan eksternal. making within business plans, or the Bank's own lack of
responsiveness to external changes.
1. Tata Kelola Risiko 1. Risk Governance
Dewan Komisaris melakukan pengawasan aktif dengan The Board of Commissioners carries out active oversight by
memberikan arahan kepada Direksi yang tertuang dari providing direction to the Board of Directors. This oversight
rekomendasi yang disampaikan pada Rapat Komisaris dan can be seen reflected in recommendations submitted at
Direksi sesuai ketentuan yang berlaku. Bank mengelola risiko Board of Commissioners and Board of Directors Meetings
stratejik melalui proses pertimbangan dan pengambilan that are in accordance with applicable regulations. The
keputusan setiap kebijakan strategis secara hati-hati oleh Bank manages strategy-related risks through careful
Direksi. Pengelolaan risiko stratejik tersebut erat kaitannya consideration and decision-making by the Board of
dengan kemampuan dalam menyusun rencana kerja Directors regarding each strategic policy. Strategic risk
yang terkoordinasi, baik untuk jangka panjang maupun management is closely related to the ability to develop
jangka pendek oleh karenanya penetapan strategi Bank long-term and short-term coordinated work plans. As such,
dirumuskan dengan memperhatikan peraturan Bank the Bank's strategy is formulated by taking into account
Indonesia/Otoritas Jasa keuangan/ketentuan lainnya yang Bank Indonesia/Financial Services Authority regulations or
terkait serta memperhitungkan dampak risiko stratejik other related provisions and taking into account the impact
terhadap permodalan Bank. of strategic risk on the Bank's capital.
Rencana Bisnis Bank (RBB) disusun sesuai dengan The Bank's Business Plan (RBB) is prepared in accordance
kondisi dan kemampuan optimal atas pendayagunaan with the right conditions and optimal capabilities for utilizing
sumber daya, baik sumber daya finansial, infrastruktur resources, including financial resources, infrastructure, and
dan SDM yang dimiliki. Dengan perencanaan strategis human resources. The Bank believes that this strategic
tersebut, Bank berkeyakinan dapat menjaga pertumbuhan planning allows the Bank to maintain sustainable growth in
yang berkelanjutan sehingga akan meningkatkan nilai ways that can increase its own value. To minimize deviations
perusahaan. Untuk meminimalkan terjadinya penyimpangan in Bank Business Plan (RBB) implementation, the Risk
pada pelaksanaan RBB, dilakukan pemantauan pencapaian Management Committee monitors the Bank's progress
RBB melalui Komite Manajemen Risiko, dan telah dilakukan in terms of achievements. Communication has also been
komunikasi kepada setiap jenjang organisasi, baik pada saat established at all levels of the organization, whether during
penyusunan rencana serta pada saat review pelaksanaan the Bank's plan preparation process Or during routine
yang dilakukan secara rutin tiap semester. implementation reviews held every semester.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Bank memiliki Kebijakan Manajemen Risiko Stratejik The Bank has a Strategic Risk Management Policy and a
dan proses manajemen Risiko Stratejik berfungsi Strategic Risk Management process that is designed to
untuk mengidentifikasi, mengukur, memantau, dan identify, measure, monitor, and control Strategic Risk. The
mengendalikan Risiko Stratejik. Bank telah menetapkan Bank has established all of its achievement goals in its Bank
pencapaian target bank dalam Rencana Bisnis Bank Business Plan. Each goal takes into account agreed risk
dengan mempertimbangkan risk limit (risk appetite dan risk limits (risk appetite and risk tolerance).
tolerance) yang telah disepakati.
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3. Proses Manajemen Risiko 3. Risk Management Process
Bank telah melaksanakan evaluasi secara berkala atas The Bank has conducted regular evaluations of its Bank
realisasi RBB melalui Rapat Koordinasi Dewan Komisaris Business Plan that analyze how much each of these plans
dan Direksi, sebagaimana dituangkan dalam Laporan were able to accomplish as part of their plans. It carries out
Realisasi Rencana Bisnis Bank yang disampaikan ke OJK these evaluations through Coordination Meetings between
setiap triwulanan. the Board of Commissioners and Board of Directors, as can
be seen outlined in the Bank's Business Plan Realization
Report. The reports are submitted quarterly to the Financial
Services Authority (OJK).
Secara umum, Bank berupaya meningkatkan kualitas SDM In general, the Bank is always working to improve the
sesuai dengan nilai perusahaan sehingga sejalan dengan quality of its human resources in accordance with corporate
strategi SDM yang mengacu pada strategi jangka panjang values. It does this so that it can align its HR strategy with
perusahaan. Bank tetap mengedepankan pelaksanaan the Bank's own long-term strategy. The Bank continues
GCG dalam proses pengelolaan risiko strategis dengan to prioritize GCG implementation in its strategic risk
tetap memantau pencapaian Bank terhadap RBB. SIM management process by continuously monitoring its Bank
berjalan dengan baik, termasuk laporan risiko stratejik Business Plan achievements. The Management Information
kepada Dewan Komisaris dan Direksi. Perekrutan karyawan System (MIS) runs properly, and includes strategic risk
dilakukan untuk menunjang kebutuhan bisnis, pendidikan reporting to the Board of Commissioners and Directors.
dan pelatihan, serta evaluasi karyawan secara regular akan Employee recruitment is conducted to support business
ditingkatkan untuk memastikan kesesuaian kapabilitas needs, while education and training, along with regular
SDM. employee evaluations, will continue to be enhanced to
ensure appropriate human resource capabilities.
4. Sistem Pengendalian Risiko 4. Risk Control System
Dalam pelaksanaan sistem pengendalian risiko stratejik, In implementing its strategic risk control system, the Bank
telah dilakukan pemantauan pencapaian realisasi monitors its actual performance and compares this data
dibandingkan dengan rencana yang telah ditetapkan dan against its own established plans as a way to ensure that any
memastikan risiko yang diambil masih dalam batas toleransi. risks it takes are done within tolerable limits. This internal
Sistem pengendalian internal tersebut melibatkan seluruh control system involves all of the Bank's management and
manajemen dan karyawan Bank yang mencakup penetapan employees. The system encompasses the establishment of
kebijakan dan prosedur pengendalian, serta evaluasi untuk control policies and procedures, as well as evaluations to
memastikan bahwa kebijakan dan prosedur tersebut sesuai ensure that these aforementioned policies and procedures
arahan Direksi telah dipatuhi dan dilaksanakan secara are adhered to and implemented effectively and consistently
efektif dan konsisten. in accordance with Board of Directors mandates.
Pengendalian internal merupakan kegiatan yang tidak Internal control is an integral part of every single one of
terpisahkan dari setiap fungsi atau kegiatan Bank the Bank's functions or daily activities, and can assist the
sehari-hari dan dapat membantu Direksi dan Komisaris Board of Directors and Commissioners in managing and
dalam mengelola dan mengendalikan risiko yang dapat controlling risks that could impact performance or result in
mempengaruhi kinerja atau mengakibatkan kerugian Bank. losses for the Bank.
Risiko Reputasi Reputation Risk
Risiko reputasi adalah risiko yang antara lain disebabkan oleh Reputation risk represents any the risk caused by negative
adanya publikasi negatif yang terkait dengan kegiatan usaha publicity related to the Bank's business activities or from
Bank atau persepsi negatif terhadap Bank. negative perceptions of the Bank (among other things).
1. Tata Kelola Risiko 1. Risk Governance
Dewan Komisaris bersama beberapa Komite di bawah The Board of Commissioners works together with a number
Dewan Komisaris selalu melakukan pemantauannya of its Committees to consistently monitor and resolve any
terhadap setiap kejadian yang berpotensi risiko reputasi potential reputation-based risk incidents. Reputation risk
dan penyelesaianya. Pengelolaan risiko reputasi dilakukan management is carried out by way of optimizing the Bank's
dengan mengoptimalkan fungsi Corporate Secretary & PMO. Corporate Secretary and PMO functions. In addition, the
Selain itu budaya karyawan Bank dalam berkomunikasi dan Bank's employee culture is designed in such a way that it
beraktifitas senantiasa berperilaku sesuai dengan kode etik communicates and conducts its activities in adherence to the
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perusahaan, serta memenuhi prinsip-prinsip transparansi, Bank's code of ethics and to the principles of transparency.
peningkatan kualitas pelayanan nasabah dan stakeholder This culture is also designed to improve the Bank's quality
lainnya, pelaksanaan komunikasi yang tepat dalam rangka of service to customers and other stakeholders. It also
menghadapi berita/publikasi yang bersifat negatif atau implements appropriate communication to address
pencegahan informasi yang cenderung kontra produktif negative news/publications or prevent counterproductive
sebagai bagian tindakan mitigasi. information as part of its mitigation measures.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Strategi manajemen risiko reputasi dilakukan searah dengan The Bank's reputation risk management strategy is
risk appetite dan risk tolerance. Bank memiliki berbagai implemented in line with its own risk appetite and risk
Kebijakan dan prosedur manajemen risiko reputasi Bank tolerance. The Bank has various reputation risk management
saat ini mulai menetapkan berbagai kebijakan dan prosedur policies and procedures, and is currently establishing
yang relevan dengan arah bisnis Bank. various policies and procedures that are relevant to the
Bank's business direction.
3. Proses Manajemen Risiko 3. Risk Management Process
Proses manajemen risiko reputasi berjalan baik The Bank's reputation risk management process is adept
dalam mengidentifikasi, mengukur, memantau dan at identifying, measuring, monitoring, and controlling risks
mengendalikan risiko sesuai dengan Kebijakan dan SOP in accordance with existing internal policies and SOPs.
internal yang ada. Identifikasi risiko reputasi dilakukan pada Reputational risk identification is carried out based on risk
faktor risiko yang melekat pada aktivitas fungsional yang factors inherent in the Bank's functional activities, including
mencakup keterbukaan informasi yang material, keluhan material information disclosure, customer complaints
nasabah terhadap pelayanan Bank, sikap karyawan Bank regarding the Bank's services, the attitude of Bank
dalam melayani nasabah, dan sistem komunikasi Bank. employees as they are serving customers, and inherent
Pengukuran risiko reputasi dilakukan berdasarkan hasil within the Bank's own communication system. Reputational
assessment terhadap faktor-faktor yang berpengaruh pada risk measurement is based on an assessment of factors that
reputasi Bank. influence the Bank's reputation.
Bank telah memiliki unit Pengaduan Nasabah untuk The Bank has a Customer Complaints Unit designed to
mendukung layanan dan penanganan pengaduan support customer service and complaint handling as a
nasabah dalam rangka pengendalian Risiko Reputasi. means to control Reputational Risk. The Bank's Corporate
Corporate Secretary & PMO bertanggung jawab atas Secretary and PMO are responsible for implementing
penerapan kebijakan yang berkaitan dengan penanganan policies related to handling and resolving negative news
dan penyelesaian pemberitaan negatif atau menghindari or avoiding counterproductive information, as well as for
informasi kontraproduktif serta menjalankan fungsi carrying out a more caring function for implementing
kepedulian dalam rangka melaksanakan Tanggung Jawab Corporate Social Responsibility (CSR).
Sosial Perusahaan (Corporate Social Responsibility/CSR).
Di bidang pengembangan sumber daya manusia, Bank In the area of human resource development, the Bank has
telah melaksanakan program pengembangan SDM di implemented a human resource development program in
bidang pendidikan dan pelatihan bagi seluruh pegawai education and training for all employees (these are done
(sesuai job specification). according to job specifications).
4. Sistem Pengendalian Risiko 4. Risk Control System
Sistem pengendalian internal risiko reputasi dilakukan The Bank's internal reputation risk control system is
melalui upaya evaluasi secara periodik atas risiko reputasi implemented through periodic evaluations of reputational
yang dihadapi Bank dan dituangkan dalam suatu laporan risks, which are documented through a media monitoring
media monitoring oleh Corporate Secretary & PMO. report by the Corporate Secretary and PMO. The extent to
Pemantauan tingkat penyelesaian komplain nasabah dan which customer complaints resolved is monitored through
dengan komunikasi yang konsisten melalui berbagai kanal consistent communication by way of various conventional
konvensional seperti telepon dan email. Pemantauan juga channels such as telephone and email. Monitoring is also
dilakukan melalui berbagai kanal media sosial dimana carried out through various social media channels. These
hal ini menjadi salah satu fokus dari pengendalian risiko channels serve as one of the Bank's focuses in terms of
kepatuhan untuk senantiasa menjaga keterbukaan informasi compliance risk control. They are designed to help ensure
dan transparansi kepada seluruh stakeholder, serta menjalin that the Bank always maintains information openness and
hubungan yang harmonis dengan pihak media dalam hal transparency to all stakeholders, and to ensure that it
menjaga nama baik Bank. establishes harmonious relationships with the media as a
means of maintaining the Bank's good name.
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Risiko Hukum Legal Risk
Risiko hukum adalah risiko yang disebabkan oleh adanya Legal risk represents any risk caused by legal deficiencies.
kelemahan aspek yuridis, yang antara lain berupa tuntutan These include lawsuits, the absence of supporting laws
hukum, ketiadaan peraturan perundang-undangan yang and regulations, or weaknesses in obligations such as non-
mendukung atau kelemahan perikatan seperti tidak fulfilments of valid contractual requirements and incomplete
terpenuhinya syarat sah kontrak dan pengikatan agunan yang collateral bindings.
tidak sempurna.
1. Risk Governance
1. Tata Kelola Risiko Legal risk management is carried out under the coordination
Pengelolaan risiko hukum dilaksanakan di bawah koordinasi of the work unit responsible for the Legal Division. This
unit kerja yang menjalankan Divisi Legal, yang bertindak division acts as a "legal watch" and is responsible for
sebagai “legal watch” dan bertanggung jawab memberikan providing legal advice according to the needs and requests
legal advice sesuai dengan kebutuhan dan permintaan of the work unit. These needs and requests are assessed
dari unit kerja, yang dinilai akan memiliki legal impact as having a legal impact based on the analysis of the
berdasarkan hasil analisa dari unit kerja yang mengajukan. requesting work unit. The Board of Commissioners and
Dewan Komisaris dan Direksi memiliki pemahaman dan Directors have a good sense of understanding and level of
kepedulian yang baik mengenai manajemen risiko hukum. concern for legal risk management.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Strategi pengelolaan risiko hukum yang dilakukan Bank The Bank's legal risk management strategy aims to
ditujukan untuk mengantisipasi timbulnya risiko hukum anticipate the emergence of legal risks and minimize their
dan meminimalkan dampaknya. Dalam struktur organisasi, impact. Within its organizational structure, the Bank has
Bank sudah memiliki Divisi Hukum secara khusus untuk a dedicated Legal Division to support the implementation
menunjang pelaksanaan proses manajemen risiko hukum of its legal risk management process. This Legal Division
dan adanya Divisi Legal menjadi kunci dalam mengelola plays a key role in managing and mitigating legal risks, and
dan melakukan mitigasi risiko hukum sehingga dapat provides the Bank with legal protection in carrying out its
memberikan perlindungan hukum dalam melaksanakan banking activities, all while adhering to applicable legal
kegiatan perbankan dengan tetap memperhatikan provisions.
ketentuan hukum yang berlaku.
Bank telah memiliki kebijakan dan prosedur yang memadai The Bank has adequate policies and procedures for its legal
dalam proses manajemen risiko hukum, dimana strategi risk management process. The Legal Division handles legal
penanganan masalah hukum ditangani oleh Divisi Legal problem handling strategies for general matters, while the
pada masalah yang sifatnya umum dan untuk hal yang Credit Administration, Business, and Credit Analyst units
spesifik terkait perkreditan dibantu oleh unit kerja Admin assist the Bank with specific credit-related matters.
Kredit, Bisnis, dan Analis Kredit.
3. Proses Manajemen Risiko 3. Risk Management Process
Proses manajemen risiko hukum memadai dalam The legal risk management process has been deemed
mengidentifikasi, mengukur, memantau dan mengendalikan adequate in identifying, measuring, monitoring, and
risiko dinilai telah berjalan sesuai SOP yang ada. Untuk controlling risks, and operates in accordance with existing
mengukur kerugian akibat adanya tuntutan hukum SOPs. To assess losses resulting from lawsuits with the
yang memiliki potensi kerugian signifikan Bank telah potential for significant losses, the Bank has implemented a
mengantisipasi dengan menjalankan contingency plan contingency plan designed to mitigate legal risk, including
sebagai tindakan untuk mengurangi risiko hukum, antara through its use of legal services and by reporting any
lain melalui penggunaan jasa pengacara dan melaporkan progress on these matters to the Board of Directors.
perkembangannya kepada Direksi.
Pengukuran Risiko Hukum dilaksanakan berdasarkan Legal Risk Measurement is carried out on the basis of
laporan hasil evaluasi atas analisis kasus-kasus hukum reports that evaluate individual legal case analyses of
secara individual terhadap kewajiban kontinjensi yang contingent liabilities arising from lawsuits. The Bank also
timbul dari tuntutan hukum yang terjadi. Bank juga memiliki has a risk management information system and internal
sistem informasi manajemen risiko dan sistem pengendalian control system designed to support the implementation of
internal dalam mendukung pelaksanaan manajemen risiko legal risk management.
hukum.
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4. Sistem Pengendalian Risiko 4. Risk Control System
Bank terus melakukan berbagai peningkatan dan perbaikan The Bank continues to enhance and improve its internal
pengendalian internal, sebagai berikut: controls in the following ways:
a. Melakukan identifikasi kelemahan-kelemahan yang a. By identifying weaknesses that could lead to legal
dapat menimbulkan masalah hukum bagi Bank melalui issues for the Bank through reviews and examinations
review serta melakukan kajian terhadap dokumen- of legal documents arising from existing contracts
dokumen hukum yang timbul dari kontrak dan and agreements or those related to its products and
perjanjian yang dibuat ataupun yang terkait dengan services.
produk dan layanan.
b. Memastikan kesesuaian dan kepastian yuridis atas b. By ensuring the legal certainty and suitability of
perikatan antara Bank dengan para pihak dengan agreements between the Bank and its parties, and by
mengacu pada prinsip kehati-hatian dalam rangka adhering to the principle of prudence to protect the
melindungi kepentingan Bank. Bank's own interests.
Pelaksanaan kaji ulang independen (independent review) Independent reviews are conducted by the Internal Audit
dilakukan oleh Satuan Kerja Audit Internal (SKAI), untuk Unit (SKAI) to inform management of new and existing laws
menjadi perhatian manajemen dalam hal melakukan kajian and regulations, as well as to inform them of actual legal
terhadap peraturan perundang-undangan baik yang events occurring out in the field. This is done as a way to
baru maupun yang sudah berlaku dan peristiwa hukum ensure that the Bank's internal regulations do not deviate
aktual yang terjadi di lapangan untuk memastikan bahwa from applicable laws and regulations.
ketentuan internal Bank tidak menyimpang dari ketentuan
perundangan yang berlaku.
Risiko Kepatuhan Compliance Risk
Risiko kepatuhan merupakan risiko yang disebabkan akibat Compliance risk is the risk caused by the Bank's failure to
Bank tidak mematuhi ketentuan perundang-undangan yang comply with applicable laws and regulations.
berlaku.
1. Tata Kelola Risiko 1. Risk Governance
Pengelolaan risiko kepatuhan dilaksanakan di bawah Compliance risk management is carried out under the
koordinasi Divisi Kepatuhan. Setiap pimpinan unit kerja coordination of the Compliance Division. Each work unit
di Bank bertanggung jawab untuk memastikan bahwa leader at the Bank is responsible for ensuring that all activities
seluruh kegiatan di unit kerjanya telah dilaksanakan sesuai within their work units are carried out in accordance with
dengan peraturan dan perundangan serta ketentuan yang applicable laws and regulations. This ensures that fines are
berlaku, sehingga tidak terjadi pengenaan denda atas not imposed for late submissions, report corrections, or
keterlambatan, koreksi laporan, ataupun hal lainnya. other matters.
Dewan Komisaris dan Direksi berperan aktif dalam The Board of Commissioners and the Board of Directors
menumbuhkan dan mewujudkan budaya kepatuhan pada play an active role in fostering and realizing a culture
semua tingkatan organisasi dan kegiatan usaha Bank, of compliance at all levels of the Bank's organization
dengan didukung oleh Divisi Kepatuhan yang melakukan and business activities. They do so with the support of
evaluasi terhadap pelaksanaan kepatuhan Bank dan the Compliance Division, which evaluates the Bank's
mengkaji hal-hal atau aktivitas Bank yang berpotensi compliance implementation and reviews any matters or
terhadap peningkatan risiko kepatuhan. activities that could potentially increase its compliance risk.
Manajemen Bank melakukan penerapan Tata Kelola Bank management implements Good Corporate
Perusahaan dengan memenuhi prinsip-prinsip GCG, Governance in accordance with GCG principles.
sehingga jika terdapat kelemahan dalam penerapan prinsip Accordingly, if weaknesses in the implementation of GCG
GCG, maka secara umum kelemahan tersebut kurang principles are discovered, they are generally considered
signifikan dan dapat diselesaikan oleh manajemen Bank. minor and can be resolved by Bank management.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Strategi Bank dalam pengelolaan risiko kepatuhan ditujukan The Bank's strategy for managing compliance risk is aimed
untuk memitigasi dampak dari pelanggaran terhadap at mitigating the impact of any instance of violations related
ketentuan dan/atau peraturan perundang-undangan to applicable laws and/or regulations. The Bank is strongly
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yang berlaku. Bank memiliki komitmen yang kuat untuk committed to consistently complying with applicable laws
senantiasa mematuhi peraturan perundang-undangan and regulations and to taking steps to correct any of its
yang berlaku dan mengambil langkah-langkah untuk weaknesses.
memperbaiki kelemahan yang terjadi.
Kecukupan perangkat organisasi dalam mendukung The Bank's adequacy in terms of its organizational
terlaksananya manajemen risiko secara efektif termasuk tools designed to support its effective implementation
kejelasan wewenang dan tanggung jawab, seluruh lini of risk management (including clarity of authority and
organisasi bertanggung jawab terhadap pengelolaan responsibility) ensures that all levels of the organization are
risiko kepatuhan pada seluruh aktivitas Bank untuk dapat responsible for managing compliance risk across all Bank
melakukan mitigasi potensi risiko kepatuhan yang mungkin activities and for mitigating potential compliance risks. The
terjadi. Dewan Komisaris bertanggung jawab untuk Board of Commissioners is responsible for approving risk
menyetujui kebijakan manajemen risiko dan memberikan management policies and providing advice. It does this with
nasihat. Dengan dibantu oleh Komite Audit dan Komite the help of the Audit Committee and the Risk Monitoring
Pemantau Risiko, Dewan Komisaris melakukan pengawasan Committee to oversee the implementation of compliance in
terhadap pelaksanaan manajemen risiko kepatuhan. areas of risk management.
3. Proses Manajemen Risiko 3. Risk Management Process
Proses manajemen risiko kepatuhan dimulai dari proses The Bank's method for managing compliance in areas of
identifikasi untuk memastikan bahwa seluruh kebijakan, risk management begins with an identification process
ketentuan, sistem, dan prosedur, serta kegiatan usaha yang to ensure that all policies, provisions, systems, and
dilakukan Bank telah sesuai dengan peraturan perundang- procedures (as well as the Bank's business activities) all
undangan yang berlaku. Pengukuran risiko kepatuhan comply with applicable laws and regulations. Compliance
dilakukan terhadap potensi kerugian yang disebabkan risk is measured against potential losses caused by non-
oleh ketidakpatuhan dan ketidakmampuan Bank dalam compliance and the Bank's inability to meet applicable
memenuhi ketentuan eksternal yang berlaku. Besarnya external regulations. The magnitude of compliance risk is
risiko kepatuhan diestimasi berdasarkan kemampuan estimated on the basis of the Bank's past and future ability
Bank untuk memenuhi seluruh peraturan pada waktu yang to comply with all regulations.
lampau dan yang akan datang.
Peningkatan kualitas SDM terus dilakukan dalam rangka Human resource quality is continuously improved as
meningkatkan pelaksanaan pengelolaan fungsi kepatuhan a means to enhance the Bank's compliance function
Bank, yaitu dengan cara melakukan pengembangan management. These enhancements include competency
kompetensi melalui pengadaan pendidikan dan pelatihan. development through education and training.
4. Sistem Pengendalian Risiko 4. Risk Control System
Dalam rangka meningkatkan efektivitas pengendalian In order to improve the effectiveness of its internal
internal, Bank telah membuat langkah-langkah dalam controls, the Bank has implemented various measures to
rangka mendukung terciptanya budaya kepatuhan pada support the creation of compliance culture across all of its
seluruh kegiatan usaha Bank. Bank mengambil tindakan business activities. The Bank always takes timely corrective
korektif yang tepat waktu terhadap pelanggaran, kegiatan action against violations to ensure it complies with its
ini dilakukan untuk memastikan kepatuhan Bank terhadap commitments to Bank Indonesia, to the Financial Services
pemenuhan komitmen kepada Bank Indonesia, OJK Authority (OJK), and to other supervisory authorities. These
maupun otoritas pengawas lainnya. Bentuk komitmen commitments can be seen evidenced from its audit results
tersebut dapat berasal dari hasil audit maupun surat Bank or letters from Bank Indonesia, the OJK, and/or other
Indonesia, OJK dan/atau otoritas pengawas lainnya. supervisory authorities.
Terdapat beberapa kelemahan dalam sistem pengendalian The Bank has several weaknesses in its internal compliance
intern pada aspek kepatuhan terkait dengan pelanggaran control system that are related to minor and ad hoc
administratif yang sifatnya minor dan ad hoc, namun masih administrative violations. However, these weaknesses are
dalam batas toleransi Bank. Kaji ulang independen sudah still within the Bank's tolerance limits. Independent reviews
berjalan baik walaupun masih terdapat berbagai kelemahan have been conducted effectively, although there are still
dalam aspek metodologi. various methodological weaknesses.
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Good Corporate Governance
Good Corporate Governance
Bank memiliki komitmen yang tinggi dalam penerapan Tata The Bank is strongly committed to implementing Good
Kelola Perusahaan yang Baik (Good Corporate Governance/ Corporate Governance (GCG) in every aspect of its business
GCG) dalam setiap aspek bisnis, operasional pada seluruh and operations across its entire organizational structure, and is
struktur organisasi dengan berlandaskan sikap kehati-hatian also committed to doing all of this on the basis of prudence and
serta manajemen yang sehat. GCG dalam hal ini menjadi acuan sound management. GCG serves as a benchmark that helps
bagi bank untuk mencapai target dan menunjang pertumbuhan the Bank achieve its targets and supports sustainable growth
serta stabilitas kinerja yang berkesinambungan. and performance stability.
Bank melakukan penilaian sendiri terhadap penerapan tata The Bank conducts self-assessments of its governance
kelola, berdasarkan ketentuan terkait Tata Kelola yang berlaku. implementation on the basis of applicable governance
Penilaian dilakukan dengan melakukan analisa komprehensif regulations. Its assessments are conducted through a
yang mencakup governance structure, governance process, comprehensive analysis that encompasses its governance
dan governance outcome. Bank menyadari bahwa perbaikan structures, governance processes, and governance outcomes.
dan peningkatan kualitas pelaksanaan Tata Kelola, merupakan The Bank recognizes that improving and enhancing the quality
upaya berkesinambungan serta berkelanjutan, maka dari itu of its governance implementation represents a continuous and
Bank telah melakukan hal-hal sebagai berikut: ongoing effort. With this understanding in mind, the Bank has
taken the following relevant steps:
1. Melakukan penilaian (self-assessment) terhadap kecukupan 1. Conducting self-assessments on the adequacy of its
pelaksanaan Tata Kelola dan menyusun laporan governance implementation and compiling periodic
pelaksanaan secara berkala sehingga dalam hal masih implementation reports so that any deficiencies can be
terdapat kekurangan maka dapat segera dilakukan tindakan promptly addressed, and so that necessary corrective
korektif yang diperlukan. actions can be taken.
2. Memprioritaskan komitmen yang telah dibuat oleh Bank 2. Prioritizing the Bank's commitment to improving its
kepada Regulator atas perbaikan Penerapan Tata Kelola Governance Implementation as a follow-up to the Financial
sebagai tindak lanjut atas hasil pemeriksaan Otoritas Jasa Services Authority's audit results in 2025.
Keuangan di tahun 2025.
3. Pemenuhan sumber daya manusia yang berkualitas dan 3. Procuring qualified human resources and improving the
peningkatan kemampuan dan kualitas SDM pada unit kerja capabilities and quality of human resources in work units is
terus dilakukan guna terpenuhinya tata kelola Bank yang ongoing to ensure good Bank governance.
baik.
4. Kebijakan, ketentuan, serta sistem dan prosedur yang dimiliki 4. Updating its policies, provisions, systems, and procedures
oleh Bank telah diperbaharui sesuai dengan ketentuan yang to ensure that they are in accordance with applicable
berlaku. Bank terus memantau implementasi kebijakan regulations. The Bank continues to monitor the
dan prosedur tersebut agar sesuai dengan ketentuan dan implementation of these policies and procedures to ensure
perundang-undangan yang berlaku. its compliance with applicable laws and regulations.
5. Mempertahankan sistem ketahanan teknologi informasi 5. Maintaining an up-to-date information technology system.
terkini.
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Rentabilitas
Profitability
Secara umum, Allo Bank telah melakukan upaya mitigasi risiko In general, Allo Bank has implemented optimal risk mitigation
yang cukup optimal sehingga Rentabilitas Bank tahun 2025 efforts. This has resulted in a generally improved level of
secara umum membaik dibandingkan tahun 2024, terlihat dari Bank Profitability in 2025 compared to 2024, as can be seen
perbaikan beberapa rasio rentabilitas seperti ROA, ROE, dan evidenced by improvements in several of the Bank's profitability
NIM. ratios, such as ROA, ROE, and NIM.
Permodalan
Capitalization
Kewajiban Penyediaan Modal Minimum (KPMM) posisi 31 The Minimum Capital Adequacy Requirement (CAR) as of 31
Desember 2025 adalah sebesar 73,9%. Berdasarkan capaian December, 2025, was 73.9%. On the basis of this achievement,
tersebut, kecukupan modal Bank dinilai masih mampu the Bank's capital adequacy can be considered capable of
menyerap potensi kerugian yang dihadapi dan jauh di atas absorbing potential losses and is well above the minimum limit
batas minimal yang dipersyaratkan regulator. required by regulators.
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Uraian Kualitatif dan Kuantitatif terkait
Permodalan dan Eksposur Risiko
● Qualitative and Quantitative Description of Capitalization and
Risk Exposure
Laporan Ukuran Utama
Key Metrics
Deskripsi
No.
Description
Modal yang Tersedia (nilai)
Available Capital (value)
1 Modal Inti Utama (CET1)
Common Equity Tier 1 (CET 1)
2 Modal Inti (Tier 1)
Core Capital (Tier 1)
3 Total Modal
Total Capital
Aset Tertimbang Menurut Risiko (Nilai)
Risk Weighted Assets (Value)
4 Total Aset Tertimbang Menurut Risiko (ATMR)
Total Risk Weighted Assets (RWA)
Rasio Modal berbasis Risiko dalam bentuk persentase dari ATMR
Risk-based Capital Ratio in the form of a percentage of RWA
5 Rasio CET1 (%)
CET1 Ratio (%)
6 Rasio Tier 1 (%)
Tier 1 Ratio (%)
7 Rasio Total Modal (%)
Total Capital Ratio (%)
Tambahan CET1 yang berfungsi sebagai buffer dalam bentuk persentase dari ATMR
Additional CET1 which functions as a buffer in the form of a percentage of RWA
8 Capital conservation buffer (2.5% dari ATMR) (%)
9 Countercyclical Buffer (0 - 2.5% dari ATMR) (%)
10 Capital Surcharge untuk Bank Sistemik (1% - 2.5%) (%)
Capital Surcharge for Systemic Banks (1% - 2.5%) (%)
11 Total CET1 sebagai buffer (Baris 8 + Baris 9 + Baris 10)
Total CET1 as buffer (Line 8 + Line 9 + Line 10)
12 Komponen CET1 untuk buffer
CET1 component for buffer
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31-Dec-25 30-Sep-25 30-Jun-25 31-Mar-25 31-Dec-24
7.440.492 7.276.218 7.187.279 7.264.290 7.112.796
7.392.067 7.276.218 7.187.279 7.264.290 7.112.796
7.476.836 7.348.237 7.260.139 7.315.353 7.188.188
10.112.105 9.330.403 8.741.747 7.833.557 8.704.733
73,58% 77,98% 82,22% 92,73% 81,71%
73,10% 77,98% 82,22% 92,73% 81,71%
73,94% 78,76% 83,05% 93,38% 82,58%
2,500% 2,500% 2,500% 2,500% 2,500%
0,000% 0,000% 0,000% 0,000% 0,000%
0,000% 0,000% 0,000% 0,000% 0,000%
2,500% 2,500% 2,500% 2,500% 2,500%
64,52% 68,86% 73,15% 83,48% 72,68%
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Deskripsi
No.
Description
Rasio pengungkit sesuai Basel III
Leverage ratio according to Basel III
13 Total Eksposur
Total Exposure
14 Nilai Rasio Pengungkit, termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia dalam
rangka memenuhi ketentuan GWM (jika ada)
Leverage Ratio value, including the impact of adjustments to temporary exemptions for placement of current accounts with Bank Indonesia in
order to comply with the GWM requirements (if any)
14b Nilai Rasio Pengungkit, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia
dalam rangka memenuhi ketentuan GWM (jika ada)
Leverage Ratio value, excluding the impact of adjustments to temporary exemptions for placement of current accounts with Bank Indonesia in
order to comply with the GWM provisions (if any)
14c Nilai Rasio Pengungkit, termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia dalam
rangka memenuhi ketentuan GWM (jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset Securities Financing Transaction (SFT)
secara gross
The value of the Leverage Ratio, including the impact of adjustments to temporary exceptions for placement of current accounts with Bank
Indonesia in order to comply with the GWM requirements (if any), which has included the average value of the gross carrying value of Securities
Financing Transaction (SFT) assets
14d Nilai Rasio Pengungkit, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia
dalam rangka memenuhi ketentuan GWM (jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset SFT secara gross
The value of the Leverage Ratio, excluding the impact of adjustments to temporary exceptions for placement of current accounts with Bank
Indonesia in order to comply with the GWM requirements (if any), which has included the average value of the gross carrying value of SFT assets
Rasio Kecukupan Likuiditas (LCR)
Liquidity Coverage Ratio (LCR)
15 Total Aset Likuid Berkualitas Tinggi (HQLA)
Total High Quality Liquid Assets (HQLA)
16 Total Arus Kas Keluar Bersih
Net Cash Outflow
17 LCR (%)
Rasio Pendanaan Stabil Bersih (NSFR)
Net Stable Funding Ratio (NSFR)
18 Total Pendanaan Stabil yang Tersedia (ASF)
Total Available Stable Funding (ASF)
19 Total Pendanaan Stabil yang Diperlukan (RSF)
Total Required Stable Funding (RSF)
20 NSFR (%)
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31-Dec-25 30-Sep-25 30-Jun-25 31-Mar-25 31-Dec-24
22.291.103 19.412.968 14.906.777 14.371.232 15.046.793
33,16% 37,48% 48,21% 50,55% 47,27%
33,16% 37,48% 48,21% 50,55% 47,27%
0,00% 0,00% 0,00% 0,00% 0,00%
0,00% 0,00% 0,00% 0,00% 0,00%
8.888.315 6.461.742 5.393.877 4.974.803 3.678.172
4.691.026 2.236.662 1.724.190 1.775.424 2.127.994
189,47% 288,90% 312,84% 280,20% 172,85%
11.089.501 10.586.549 10.047.204 9.646.432 9.168.578
9.205.868 8.181.415 7.281.363 7.175.834 7.913.049
120,46% 129,40% 137,99% 134,43% 115,87%
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Template LI1: Perbedaan antara Cakupan Konsolidasi sesuai standar akuntansi dengan ketentuan kehati-hatian
Template LI1: Difference between Consolidated Coverage according to accounting standards and prudential requirements
Nilai tercatat sebagaimana
tercantum dalam publikasi Nilai tercatat berdasarkan
laporan keuangan prinsip kehati-hatian
Carrying value as reported Carrying values under the
in the published financial prudential principle
statements
Indonesia
Aset
Assets
Kas dan Penempatan pada Bank Indonesia 474.321 474.321
Cash and Placements with Bank Indonesia
Penempatan pada bank lain 613.370 613.370
Placements with other banks
Portofolio aset yang diperdagangkan - -
Traded assets portfolio
Aset keuangan yang ditetapkan pada nilai wajar - -
Financial assets designated at fair value
Instrumen derivatif 6.592 6.592
Derivative instruments
Pinjaman kepada Bank - -
Loans to Banks
Pinjaman kepada nasabah 9.140.731 9.140.731
Loans to customers
Reverse repurchase dan yang terkait secured lending - -
Reverse repurchase and related secured lending
Instrumen keuangan yang diukur pada nilai wajar melalui penghasilan 6.742.969 6.742.969
komprehensif lainnya
Financial instruments measured at fair value through other comprehensive
income
Surat berharga yang dijual dengan janji dibeli kembali 796.295 796.295
Securities sold with a promise to repurchase
Tagihan akseptasi - -
Acceptance receivables
Penyertaan - -
Investment
Cadangan kerugian penurunan nilai (157.891) (157.891)
Allowance for impairment losses
Aset tetap dan inventaris 256.036 256.036
Fixed assets and Inventory
Aset lain-lain 305.909 305.909
Other assets
Jumlah aset 18.178.332 18.178.332
Total Assets
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Nilai tercatat masing-masing risiko | The recorded value of each risk
Tidak mengacu
pada persyaratan
Sesuai kerangka risiko Sesuai kerangka Sesuai kerangka Sesuai kerangka permodalan atau
kredit counterparty credit risk sekuritisasi risiko pasar berdasarkan
In accordance with the In accordance with the In accordance with the In accordance with the pengurangan modal
credit risk framework counterparty credit risk securitization market risk Does not refer to capital
requirements or based
on capital reduction
474.321 - - - -
613.370 - - - -
- - - - -
- - - - -
- - - 6.592 -
- - - - -
9.140.731 - - - -
- - - - -
6.742.969 - - - -
796.295 - - - -
- - - - -
- - - - -
- 157.891 - - - -
256.036 - - - -
305.909 - - - -
18.171.740 - - 6.592 -
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Nilai tercatat sebagaimana
tercantum dalam publikasi Nilai tercatat berdasarkan
laporan keuangan prinsip kehati-hatian
Carrying value as reported Carrying values under the
in the published financial prudential principle
statements
Kewajiban
Liabilities
Pinjaman yang diterima dari Bank 300.047 300.047,00
Loans received from Bank
Kewajiban dari Bank lainnya - -
Liabilities from other Banks
Rekening Nasabah 9.518.989 9.518.989
Customer Account
Repurchase agreements dan yang terkait 754.056 754.056
Repurchase agreements and related secured borrowing
Instrumen derivatif - -
Derivative instruments
Utang akseptasi - -
Acceptance payable
Obligasi subordinasi - -
Subordinate bonds
Setoran jaminan - -
Security deposit
Liabilitas pajak tangguhan - bersih - -
Deferred tax liabilities - net
Liabilitas lain-lain 382.466 382.466
Other liabilities
Jumlah liabilitas 10.955.558 10.955.558
Total liabilities
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Nilai tercatat masing-masing risiko | The recorded value of each risk
Tidak mengacu
pada persyaratan
Sesuai kerangka risiko Sesuai kerangka Sesuai kerangka Sesuai kerangka permodalan atau
kredit counterparty credit risk sekuritisasi risiko pasar berdasarkan
In accordance with the In accordance with the In accordance with the In accordance with the pengurangan modal
credit risk framework counterparty credit risk securitization market risk Does not refer to capital
requirements or based
on capital reduction
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
Analisis Kualitatif
Qualitative Analysis
Nilai tercatat sebagaimana tercantum dalam publikasi laporan keuangan mayoritas terdiri dari nilai tercatat yang sesuai dengan kerangka risiko kredit. Nilai
tercatat masing-masing risiko sesuai dengan SEOJK / POJK yang berlaku
The recorded value as stated in the publication of the financial statements is mostly comprised of the recorded value in accordance with the credit risk
framework. The recorded value of each risk is in accordance with the applicable SEOJK / POJK
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Template LI2: Sumber perbedaan utama antara eksposur sesuai ketentuan kehati-hatian dengan carrying values
sesuai standar akuntansi keuangan
Template LI2: Main sources of differences between prudential exposures and carrying values as
per financial accounting standards
Item sesuai:
Suitable items:
Kerangka
Total Kerangka Kerangka Counterparty Kerangka
risiko kredit Sekuritas credit risk risiko pasar
Credit risk Securitization Counterparty Market risk
framework framework credit risk framework
framework
Indonesia
Nilai tercatat aset sesuai dengan cakupan konsolidasi 18.178.332 18.171.740 - - 6.592
ketentuan kehati-hatian (sebagaimana dilaporkan pada
template LI1)
The carrying value of the asset is in accordance with
the consolidated scope of prudential provisions (as
reported in template LI1)
Nilai tercatat liabilitas sesuai lingkup sesuai dengan 10.955.558 - - - -
cakupan konsolidasi ketentuan kehati-hatian
(sebagaimana dilaporkan pada template LI1)
Liabilities carrying value in accordance toconsolidated
coverage by the prudentialprinciples (as reported to
template LI1)
Total nilai bersih sesuai dengan cakupan konsolidasi 7.222.774 18.171.740 - - 6.592
ketentuan kehati-hatian
Total net value in accordance toconsolidated coverage
by the prudentialprinciples
Nilai rekening administratif - - - - -
Administrative account value
Perbedaan valuasi - - - - -
Valuation differences
Perbedaan antara etting rules, selain dari yang termasuk 0 0 - - -
pada baris 2.
Differences between etting rules, other than those
included in line 2.
Perbedaan provisi - 0 - - -
Provision differences
Perbedaan prudential filters - - - - -
Prudential filters differences
Nilai eksposur yang dipertimbangkan, sesuai dengan 7.222.774 18.171.740 - - 6.592
cakupan konsolidasi ketentuan kehati-hatian
The exposure value considered accordingto the
prudential stipulation consolidatedcoverage
Analisis Kualitatif
Qualitative Analysis
Nilai tercatat sebagaimana tercantum dalam publikasi laporan keuangan mayoritas terdiri dari nilai tercatat yang sesuai dengan kerangka risiko kredit. Nilai
tercatat masing-masing risiko sesuai dengan SEOJK / POJK yang berlaku
The recorded value as stated in the publication of the financial statements is mostly comprised of the recorded value in accordance with the credit risk
framework. The recorded value of each risk is in accordance with the applicable SEOJK / POJK
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Table LIA: Penjelasan mengenai perbedaan antara nilai eksposur sesuai standar akuntansi keuangan dengan
ketentuan kehati-hatian
Table LIA: Explanation of the difference between the value of exposures according to financial accounting standards and
prudential requirements
Indonesia
Bank harus menjelaskan asal perbedaan antara nilai tercatat sesuai standar akuntansi keuangan, sebagaimana dilaporkan pada laporan keuangan dan
nilai eksposur sesuai ketentuan kehati-hatian, sebagaimana terdapat pada template LI1 dan LI2.
Banks must explain the origin of the difference between the carrying value according to financial accounting standards, as reported in the financial
statements and the exposure value according to prudential provisions, as contained in templates LI1 and LI2.
(a) Bank harus menjelaskan sumber perbedaan signifikan antara nilai pada kolom (a) dan (b) di LI1.
The bank must explain the source of significant differences between the values in columns (a) and (b) in LI1.
(b) Bank harus menjelaskan sumber perbedaan antara nilai tercatat dan nilai yang digunakan untuk tujuan pengaturan yang tercantum pada LI2.
The bank must explain the source of the difference between the recorded value and the value used for regulatory purposes as stated in LI2.
(c) Sesuai dengan implementasi dari panduan pada valuasi prudensial, bank harus menjelaskan sistem dan kontrol untuk memastikan estimasi valuasi
prudensial dan dapat diandalkan. Pengungkapan harus memasukkan:
In accordance with the implementation of the guidelines on prudential valuation, banks should describe systems and controls to ensure prudential
and reliable valuation estimates. Disclosures must include:
(i) Metodologi valuasi, termasuk penjelasan sejauh mana penggunaan metodologi mark-to-market dan mark-to-model.
Valuation methodology, including an explanation of the extent of use of mark-to-market and mark-to-model methodologies.
(ii) Deskripsi proses verifikasi harga independen.
Description of the independent price verification process.
(iii) Prosedur untuk penyesuaian valuasi atau cadangan (termasuk deskripsi proses dan metodologi untuk menilai posisi trading dengan tipe instrumen).
Procedures for valuation adjustments or reserves (including a description of the process and methodology for valuing trading positions by
instrument type).
Tabel 4: Penjelasan mengenai perbedaan antara nilai eksposur sesuai standar akuntansi keuangan dengan
ketentuan kehati-hatian
Table 4: Explanation of the differences between exposure values according
to financial accounting standards and prudential
provisions
Nilai tercatat sebagaimana tercantum dalam publikasi laporan keuangan The recorded value as stated in the publication of the financial statements
telah memperhitungkan prinsip standar kehati-hatian sehingga tidak has taken into account the principle of prudential standards so that there
terdapat perbedaan pada kedua nilai tesebut. Nilai tercatat sesuai masing- is no difference in the two values. The recorded value according to each
masing risiko merupakan nilai yang sesuai dengan POJK Perhitungan risk is a value that is in accordance with POJK Calculation of Credit Risk
Kerangka Risiko Kredit, Perhitungan Kerangka Aset Sekuritisasi, Kerangka Framework, Calculation of Securitization Asset Framework, Counterparty
Counterparty Credit Risk, dan Kerangka Risiko Pasar. Credit Risk Framework, and Market Risk Framework.
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Template CC1: Komposisi Permodalan
CC1 Template: Capital Composition
No. Ref. yang
berasal dari
Jumlah (Dalam Neraca
Jutaan Rupiah) Konsolidasi 1)
Komponen Component
Total (In Millions No. Ref.
of Rupiah) originating from
the Consolidated
Balance Sheet 1)
CET 1: Instrumen dan Tambahan Modal CET 1: Instruments and Additional Paid-in
Disetor Capital
1 Saham biasa (termasuk stock surplus) Directly issued qualifying common share (and 5.920.317 1
equivalent for non-joint stock companies)
capital plus related stock surplus
2 Laba ditahan Retained earnings 1.576.890 2
3 Akumulasi penghasilan komprehensif lain Accumulated other comprehensive income 15.956 3
(dan cadangan lain) (and other reserves)
4 Modal yang termasuk phase out dari CET1 Directly issued capital subject to phase out N/A N/A
from CET1 (only applicable to non-joint stock
companies)
5 Kepentingan Non Pengendali yang dapat Common share capital issued by subsidiaries - 4
diperhitungkan and held by third parties (amount allowed in
group CET1)
6 CET1 sebelum regulatory adjustment Common Equity Tier 1 capital before 7.513.163
regulatory adjustments
CET 1: Faktor Pengurang (Regulatory CET 1: Regulatory Adjustment
Adjustment)
7 Selisih kurang jumlah penyesuaian nilai wajar Prudential valuation adjustments -
dari instrumen keuangan dalam trading book
8 Goodwill Goodwill (net of related tax liability) - 5
9 Aset tidak berwujud lainnya (selain Mortgage- Other intangibles other than mortgage- (34.967) 6
Servicing Rights) servicing rights (net of related tax liability)
10 Aset pajak tangguhan yang berasal dari future Deferred tax assets that rely on future N/A
profitability profitability excluding those arising from
temporary differences (net of related tax
liability)
11 Cash-flow hedge reserve Cash-flow hedge reserve N/A
12 Shortfall on provisions to expected losses Shortfall of provisions to expected losses N/A
13 Keuntungan penjualan aset dalam transaksi Securitisation gain on sale (as set out in N/A
sekuritisasi paragraph 562 of Basel II framework)
14 Peningkatan/penurunan nilai wajar atas Gains and losses due to changes in own N/A
kewajiban keuangan (DVA) credit risk on fair valued liabilities
15 Aset pensiun manfaat pasti Defined-benefit pension fund net assets N/A
16 Investasi pada saham sendiri (jika belum di net Investments in own shares (if not already netted N/A
dalam modal di Laporan Posisi Keuangan) off paid-in capital on reported balance sheet)
17 Kepemilikan silang pada instrumen CET 1 Reciprocal cross-holdings in common equity N/A
pada entitas lain
18 Investasi pada modal bank, entitas keuangan Investments in the capital of Banking, financial N/A
dan asuransi diluar cakupan konsolidasi and insurance entities that are outside the
secara ketentuan, net posisi short yang scope of regulatory consolidation, net of
diperkenankan, dimana Bank tidak memiliki eligible short positions, where the Bank does
lebih dari 10% modal saham yang diterbitkan not own more than 10% of the issued share
(jumlah di atas batasan 10%) capital (amount above 10% threshold)
19 Investasi signifikan pada saham biasa Bank, Significant investments in the common stock N/A
entitas keuangan dan asuransi diluar cakupan of Banking, financial and insurance entities
konsolidasi secara ketentuan, net posisi short that are outside the scope of regulatory
yang diperkenankan (jumlah di atas batasan consolidation, net of eligible short positions
10%) (amount above 10% threshold)
20 Mortgage servicing rights Mortgage servicing rights (amount above 10% N/A
threshold)
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No. Ref. yang
berasal dari
Jumlah (Dalam Neraca
Jutaan Rupiah) Konsolidasi 1)
Komponen Component
Total (In Millions No. Ref.
of Rupiah) originating from
the Consolidated
Balance Sheet 1)
21 Aset pajak tangguhan yang berasal dari Deferred tax assets arising from temporary N/A
perbedaan temporer (jumlah di atas batasan differences (amount above 10% threshold, net
10%, net dari kewajiban pajak) of related tax liability)
22 Jumlah melebihi batasan 15% dari: Amount exceeding the 15% threshold N/A
23 investasi signifikan pada saham biasa of which: significant investments in the N/A
financials common stock of financials
24 mortgage servicing rights of which: mortgage servicing rights N/A
25 pajak tangguhan dari perbedaan temporer of which: deferred tax assets arising from N/A
temporary differences
26 Penyesuaian berdasarkan ketentuan spesifik National specific regulatory adjustments N/A
nasional
26a. Selisih PPKA dan CKPN Difference between PPKA and CKPN (34.912)
26b. PPKA non produktif Non-productive PPKA -
26c. Aset Pajak Tangguhan Deferred tax assets (2.792) 7
26d. Penyertaan Inclusion -
26e. Kekurangan modal pada perusahaan anak Lack of capital in insurance subsidiary N/A
asuransi companies
26f. Eksposur sekuritisasi Securitization Exposure N/A
26g. Lainnya Others (48.425)
27 Penyesuaian pada CET 1 akibat AT 1 dan Tier Regulatory adjustments applied to Common -
2 lebih kecil daripada faktor pengurangnya Equity Tier 1 due to insufficient Additional Tier
1 and Tier 2 to cover deductions
28 Jumlah pengurang (regulatory adjustment) Total regulatory adjustments to Common (121.096)
terhadap CET 1 equity Tier 1
29 Jumlah CET 1 setelah faktor pengurang Common Equity Tier 1 capital (CET1) 7.392.067
Modal Inti Tambahan (AT 1): Instrumen Additional Tier 1 capital: instruments
30 Instrumen AT 1 yang diterbitkan oleh Bank Directly issued qualifying Additional Tier 1 -
(termasuk stock surplus) instruments plus related stock surplus
31 Yang diklasifikasikan sebagai ekuitas of which: classified as equity under applicable N/A
berdasarkan standar akuntansi accounting standards
32 Yang diklasifikasikan sebagai liabilitas of which: classified as liabilities under N/A
berdasarkan standar akuntansi applicable accounting standards
33 Modal yang yang termasuk phase out dari AT 1 Directly issued capital instruments subject to N/A
phase out from Additional Tier 1
34 Instrumen AT 1 yang diterbitkan oleh Entitas Additional Tier 1 instruments (and CET1 N/A
Anak yang diakui dalam perhitungan KPMM instruments not included in row 5) issued by
secara konsolidasi subsidiaries and held by third parties (amount
allowed in group AT1)
35 Instrumen yang diterbitkan Entitas Anak yang of which: instruments issued by subsidiaries N/A
termasuk phase out subject to phase out
36 Jumlah AT 1 sebelum regulatory adjustment Additional Tier 1 capital before regulatory -
adjustments
Modal Inti Tambahan: Faktor Pengurang Additional Tier 1 capital: regulatory
(Regulatory Adjustment) adjustments
37 Investasi pada instrumen AT 1 sendiri Investments in own Additional Tier 1 N/A
instruments
38 Kepemilikan silang pada instrumen AT 1 pada Reciprocal cross-holdings in Additional Tier 1 N/A
entitas lain instruments
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No. Ref. yang
berasal dari
Jumlah (Dalam Neraca
Jutaan Rupiah) Konsolidasi 1)
Komponen Component
Total (In Millions No. Ref.
of Rupiah) originating from
the Consolidated
Balance Sheet 1)
39 Investasi pada modal bank, entitas keuangan Investments in the capital of Banking, N/A
dan asuransi diluar cakupan konsolidasi financial and insurance entities that are
secara ketentuan, net posisi short yang outside the scope of regulatory consolidation,
diperkenankan, dimana Bank tidak memiliki net of eligible short positions, where the Bank
lebih dari 10% modal saham yang diterbitkan does not own more than 10% of the issued
(jumlah di atas batasan 10%) common share capital of the entity (amount
above 10% threshold)
40 Investasi signifikan pada modal Bank, entitas Significant investments in the capital of N/A
keuangan dan asuransi di luar cakupan Banking, financial and insurance entities
konsolidasi secara ketentuan (net posisi short that are outside the scope of regulatory
yang diperkenankan) consolidation (net of eligible short positions)
41 Penyesuaian berdasarkan ketentuan spesifik National specific regulatory adjustments N/A
nasional
41a. Penempatan dana pada instrumen AT 1 pada Placement of funds in AT 1 instruments at N/A
Bank lain other banks
42 Penyesuaian pada AT 1 akibat Tier 2 lebih kecil Regulatory adjustments applied to Additional N/A
daripada faktor pengurangnya Tier 1 due to insufficient Tier 2 to cover
deductions
43 Jumlah faktor pengurang (regulatory Total regulatory adjustments to Additional Tier -
adjustment) terhadap AT 1 1 capital
44 Jumlah AT 1 setelah faktor pengurang Additional Tier 1 capital (AT1) -
45 Jumlah Modal Inti (Tier 1) (CET 1 + AT 1) Tier 1 capital (T1 = CET 1 + AT 1) 7.392.067
Modal Pelengkap (Tier 2): Instrumen dan Tier 2 capital: instruments and provisions
cadangan
46 Instrumen Tier 2 yang diterbitkan oleh Bank Directly issued qualifying Tier 2 instruments -
(termasuk stock surplus) plus related stock surplus
47 Modal yang yang termasuk phase out dari Directly issued capital instruments subject to N/A
Tier 2 phase out from Tier 2
48 Instrumen Tier 2 yang diterbitkan oleh Entitas Tier 2 instruments (and CET1 and AT1 N/A
Anak yang diakui dalam perhitungan KPMM instruments not included in rows 5 or 34)
secara konsolidasi issued by subsidiaries and held by third
parties (amount allowed in group Tier 2)
49 Modal yang diterbitkan Entitas Anak yang of which: instruments issued by subsidiaries N/A
termasuk phase out subject to phase out
50 Cadangan umum PPKA atas aset produktif PPKA's general reserves for productive assets 84.769
yang wajib dihitung dengan jumlah paling tinggi must be calculated at a maximum of 1.25% of
sebesar 1,25% dari ATMR untuk Risiko Kredit the ATMR for Credit Risk.
51 Jumlah Modal Pelengkap (Tier 2) sebelum Tier 2 capital before regulatory adjustments 84.769
faktor pengurang
Modal Pelengkap (Tier 2): Faktor Tier 2 capital: regulatory adjustments
Pengurang (Regulatory Adjustment)
52 Investasi pada instrumen Tier 2 sendiri Investments in own Tier 2 instruments N/A
53 Kepemilikan silang pada instrumen Tier 2 Reciprocal cross-holdings in Tier 2 N/A
pada entitas lain instruments and other TLAC liabilities
54 Investasi pada kewajiban TLAC modal bank, Investments in the other TLAC liabilities of N/A
entitas keuangan dan asuransi diluar cakupan banking, financial and insurance entities
konsolidasi secara ketentuan, net posisi short that are outside the scope of regulatory
yang diperkenankan, dimana Bank tidak consolidation and where the bank does not
memiliki lebih dari 10% modal saham yang own more than 10% of the issued common
diterbitkan; nilai sebelumnya ditetapkan share capital of the entity: amount previously
dengan threshold 5% namun tidak lagi designated for the 5% threshold but that no
memenuhi kriteria (untuk bank Sistemik) longer meets the conditions (for G-SIBs only)
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Good Corporate Governance Sustainability Report Financial Statements
No. Ref. yang
berasal dari
Jumlah (Dalam Neraca
Jutaan Rupiah) Konsolidasi 1)
Komponen Component
Total (In Millions No. Ref.
of Rupiah) originating from
the Consolidated
Balance Sheet 1)
55 Investasi signifikan pada modal atau Significant investments in the capital and N/A
instrumen TLAC Bank, entitas keuangan other TLAC liabilities of banking, financial and
dan asuransi di luar cakupan konsolidasi insurance entities that are outside the scope
secara ketentuan (net posisi short yang of regulatory consolidation (net of eligible
diperkenankan) short positions)
56 Penyesuaian berdasarkan ketentuan spesifik National specific regulatory adjustments
nasional
56a. Sinking fund Sinking fund N/A
56b. Penempatan dana pada instrumen Tier 2 Placement of funds in Tier 2 instruments at N/A
pada Bank lain other banks
57 Jumlah faktor pengurang (regulatory Total regulatory adjustments to Tier 2 capital -
adjustment) Modal Pelengkap
58 Jumlah Modal Pelengkap (Tier 2) setelah Tier 2 capital (T2) 84.769
regulatory adjustment
59 Total Modal (Modal Inti + Modal Pelengkap) Total capital 7.476.836
60 Total Aset Tertimbang Menurut Risiko (ATMR) Total risk weighted assets 10.112.105
Rasio Kecukupan Pemenuhan Modal Capital ratios and buffers
Minimum (KPMM) dan Tambahan Modal
(Capital Buffer)
61 Rasio CET 1 (persentase terhadap ATMR) Common Equity Tier 1 (as a percentage of risk 73,10%
weighted assets)
62 Rasio Modal Inti Tier 1 (persentase terhadap Tier 1 (as a percentage of risk weighted assets) 73,10%
ATMR)
63 Rasio Total Modal (persentase terhadap Total capital (as a percentage of risk weighted 73,94%
ATMR) assets)
64 Buffer (persentase terhadap ATMR) Institution specific buffer requirement 64,04%
(minimum CET1 requirement plus capital
conservation buffer plus countercyclical buffer
requirements plus G-SIB buffer requirement,
expressed as a percentage of risk weighted
assets)
65 Capital Conservation Buffer of which: capital conservation buffer 2,50%
requirement
66 Countercyclical Buffer of which: Bank specific countercyclical buffer 0,00%
requirement
67 higher loss absorbency requirement Of which: higher loss absorbency requirement 0,00%
68 Untuk bank umum konvensional: CET 1 yang For conventional commercial banks: CET 1 64,04%
tersedia untuk memenuhi Buffer (persentase is available to fulfill the Buffer (percentage of
terhadap ATMR) RWA) For branch offices of Banks domiciled
Untuk kantor cabang dari Bank yang overseas: Portion of Business Funds placed
berkedudukan di luar negeri: Bagian Dana in CEMA (expressed as a percentage of RWA)
Usaha yang ditempatkan dalam CEMA available to fulfill the Buffer.
(diungkapkan sebagai persentase dari ATMR)
yang tersedia untuk memenuhi Buffer.
National minima (jika berbeda dari Basel 3) (if different from Basel 3)
69 Rasio terendah CET 1 nasional (jika berbeda National Common Equity Tier 1 minimum ratio N/A
dengan Basel 3)
70 Rasio terendah Tier 1 nasional (jika berbeda National Tier 1 minimum ratio N/A
dengan Basel 3)
71 Rasio terendah total modal nasional (jika National total capital minimum ratio N/A
berbeda dengan Basel 3)
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
No. Ref. yang
berasal dari
Jumlah (Dalam Neraca
Jutaan Rupiah) Konsolidasi 1)
Komponen Component
Total (In Millions No. Ref.
of Rupiah) originating from
the Consolidated
Balance Sheet 1)
Jumlah di bawah batasan pengurangan Amounts below the thresholds for deduction
(sebelum pembobotan risiko) (before risk weighting)
72 Investasi non-signifikan pada modal atau Non-significant investments in the capital and N/A
kewajiban TLAC lainnya pada entitas other TLAC liabilities of other financial entities
keuangan lain
73 Investasi signifikan pada saham biasa entitas Significant investments in the common stock N/A
keuangan of financial entities
74 Mortgage servicing rights (net dari kewajiban Mortgage servicing rights (net of related tax N/A
pajak) liability)
75 Aset pajak tangguhan yang berasal dari Deferred tax assets arising from temporary N/A
perbedaan temporer (net dari kewajiban pajak) differences (net of related tax liability)
Cap yang dikenakan untuk provisi pada Applicable caps on the inclusion of provisions
Tier 2 in Tier 2
76 Provisi yang dapat diakui sebagai Tier 2 sesuai Provisions eligible for inclusion in Tier 2 in N/A
dengan eksposur berdasarkan pendekatan respect of exposures subject to standardised
standar (sebelum dikenakan cap) approach (prior to application of cap)
77 Cap atas provisi yang diakui sebagai Tier 2 Cap on inclusion of provisions in Tier 2 under N/A
berdasarkan pendekatan standar standardised approach
78 Provisi yang dapat diakui sebagai Tier 2 sesuai Provisions eligible for inclusion in Tier 2 in N/A
dengan eksposur berdasarkan pendekatan respect of exposures subject to internal ratings-
IRB (sebelum dikenakan cap) based approach (prior to application of cap)
79 Cap atas provisi yang diakui sebagai Tier 2 Cap for inclusion of provisions in Tier 2 under N/A
berdasarkan pendekatan IRB internal ratings-based approach
Instrumen Modal yang termasuk phase out Capital instruments subject to phase-out
(hanya berlaku antara 1 Jan 2018 s.d. 1 Jan arrangements (only applicable between 1 Jan
2022) 2018 and 1 Jan 2022)
80 Cap pada CET 1 yang temasuk phase out Current cap on CET1 instruments subject to N/A
phase out arrangements
81 Jumlah yang dikecualikan dari CET 1 karena Amount excluded from CET1 due to cap N/A
adanya cap (kelebihan di atas cap setelah (excess over cap after redemptions and
redemptions dan maturities) maturities)
82 Cap pada AT 1 yang temasuk phase out Current cap on AT1 instruments subject to N/A
phase out arrangements
83 Jumlah yang dikecualikan dari AT 1 karena Amount excluded from AT1 due to cap (excess N/A
adanya cap (kelebihan di atas cap setelah over cap after redemptions and maturities)
redemptions dan maturities)
84 Cap pada Tier 2 yang temasuk phase out Current cap on T2 instruments subject to N/A
phase out arrangements
85 Jumlah yang dikecualikan dari Tier 2 karena Amount excluded from T2 due to cap (excess N/A
adanya cap (kelebihan di atas cap setelah over cap after redemptions and maturities)
redemptions dan maturities)
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REKONSILIASI PERMODALAN
CAPITAL RECONCILIATION
Neraca Publiksi
dengan
cakupan
berdasarkan
Neraca ketentuan
POS - POS/ITEMS Publikasi kehati-hatian
No.
Publication Publication
Balance Sheet Balance Sheet
with coverage
based on
prudential
provisions
ASET
ASSETS
1. Kas 2.572 2.572
Cash
2. Penempatan pada Bank Indonesia 471.749 471.749
Placement with Bank Indonesia
3. Penempatan pada bank lain 613.370 613.370
Placement with another bank
4. Tagihan spot dan derivatif 6.592 6.592
Spot and derivatives receivables
5. Surat berharga yang dimiliki 6.742.969 6.742.969
Securities
6. Surat berharga yang dijual dengan janji dibeli kembali (repo) 796.295 796.295
Securities sold under repurchase agreement(repo)
7. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo) 288.949 288.949
Receivables from securities purchased under resell agreement (reverse repo)
8. Tagihan akseptasi - -
Acceptance receivables
9. Kredit yang diberikan 9.140.731 9.140.731
Loans
10. Penyertaan modal - -
Equity participation
11. Penyertaan modal - -
Equity participation
a. Diperhitungkan dalam KPMM - -
Calculated in CAR
b. Tidak diperhitungkan dalam KPMM - -
Not calculated in CAR
12. Aset keuangan lainnya 164.263 164.263
Other financial assets
13. Cadangan kerugian penurunan nilai aset keuangan -/-
Financial assets allowance for impairment losses -/-
a. Surat berharga - -
Securities
b. Kredit (157.728) (157.728)
Loans
c. Lainnya (163) (163)
Others
14. Aset tidak berwujud
Intangible Assets
a Goodwill - - 5
b. Aset tidak berwujud lainnya 98.978 98.978 6
Other Intangible Assets
Akumulasi amortisasi aset tidak berwujud -/- (64.011) (64.011) 6
Accumulated amortization of intangible assets -/-
15. Aset tetap dan inventaris 394.988 394.988
Fixed assets and inventory
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Neraca Publiksi
dengan
cakupan
berdasarkan
Neraca ketentuan
POS - POS/ITEMS Publikasi kehati-hatian
No.
Publication Publication
Balance Sheet Balance Sheet
with coverage
based on
prudential
provisions
Akumulasi penyusutan aset tetap dan inventaris -/- (173.919) (173.919)
Accumulated depreciation of fixed assets and inventory -/-
16. Aset non produktif
Non-productive assets
a. Properti terbengkalai - -
Abandoned property
b. Aguan yang diambil alih - -
Foreclosed assets
c. Rekening tunda - -
Deferred account
d. Aset antar kantor - -
Inter-office assets
17. Aset lainnya 141.646 141.646
Other assets
Aset pajak tangguhan 2.792 2.792 7
Deferred tax assets
JUMLAH ASET 18.470.073 18.470.073
TOTAL ASSETS
LIABILITAS DAN EKUITAS
LIABILITY AND EQUITY
LIABILITAS
1. Giro 540.588 540.588
Current Accounts
2. Tabungan 938.258 938.258
Saving Accounts
3. Simpanan berjangka 8.040.143 8.040.143
Time deposits
4. Uang elektronik 8.470 8.470
Electronic money
5. Pinjaman dari Bank Indonesia - -
Loan from Bank Indonesia
6. Pinjaman dari bank lain 300.047 300.047
Loan from other banks
7. Liabilitas spot dan derivatif - -
Spot and derivative liabilities
8. Utang atas surat berharga yang dijual dengan janji dibeli kembali (repo) 754.056 754.056
Debt on securities sold with an agreement to repurchase (repo)
9. Utang akseptasi - -
Acceptance payable
10. Surat berharga yang diterbitkan - - 9
Securities issued
11. Pinjaman/pembiayaan yang diterima
Loans/financing received
a. Diperhitungkan dalam KPMM - -
Calculated in KPMM
b. Tidak diperhitungkan dalam KPMM - -
Not taken into account in KPMM
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Good Corporate Governance Sustainability Report Financial Statements
Neraca Publiksi
dengan
cakupan
berdasarkan
Neraca ketentuan
POS - POS/ITEMS Publikasi kehati-hatian
No.
Publication Publication
Balance Sheet Balance Sheet
with coverage
based on
prudential
provisions
12. Setoran jaminan - -
Security deposit
13. Liabilitas antar kantor*
Interoffice liabilities*
a. Melakukan kegiatan operasional di Indonesia - -
Carrying out operational activities in Indonesia
b. Melakukan kegiatan operasional di luar Indonesia - -
Carrying out operational activities outside Indonesia
14. Liabilitas lainnya 382.466 382.466
Other Liabilities
15. Kepentingan minoritas - -
Minority interest
JUMLAH LIABILITAS 10.964.028 10.964.028
TOTAL LIABILITIES
EKUITAS
EQUITY
17. Modal disetor
Paid-up capital
a. Modal dasar 4.000.000 4.000.000 1
Authorized capital
b. Modal yang belum disetor -/- (1.826.974) (1.826.974) 1
Unpaid capital -/-
c. Saham yang dibeli kembali (treasury stock) -/- (9.039) (9.039)
Repurchased shares (treasury stock) -/-
18. Tambahan modal disetor
Additional paid-in capital
a. Agio 3.712.150 3.712.150 1
b. Disagio - - -
c. Modal sumbangan - -
Donated capital
d. Dana setoran modal - -
Capital deposit funds
e. Lainnya 44.180 44.180 1
Others
19. Penghasilan komprehensif lainnya
Other comprehensive income
a. Penyesuaian akibat penjabaran laporan keuangan dalam mata uang asing - -
Adjustment due to statement of financial statements in foreign currencies
b. Laba (rugi) dari perubahan nilai aset keuangan yang tersedia untuk dijual pada nilai wajar 13.893 13.893 3
melalui pendapatan komprehensif lainnya
Profits (loss) from changes in the value of available-for-sale financial assets at fair value
through other comprehensive income
c. Bagian efektif lindung nilai arus kas - -
The effective portion of the cash flow hedge
d. Keuntungan revaluasi aset tetap - -
Profit on revaluation of fixed assets
e. Bagian pendapatan komprehensif lain dari entitas asosiasi - -
Other comprehensive income section of associates
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217 Performa 2025 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Neraca Publiksi
dengan
cakupan
berdasarkan
Neraca ketentuan
POS - POS/ITEMS Publikasi kehati-hatian
No.
Publication Publication
Balance Sheet Balance Sheet
with coverage
based on
prudential
provisions
f. Keuntungan (kerugian) aktuarial program imbalan pasti (7.118) (7.118)
Actuarial profit (losses) of defined benefit plans
g. Pajak penghasilan terkait dengan laba komprehensif lain - -
Income tax is related to other comprehensive income
h. Lainnya - -
Others
20. Selisih kuasi reorganisasi - -
The difference in quasi-reorganization
21. Selisih restrukturisasi entitas sepengendali - -
Differences in restructuring of entities under common control
22. Ekuitas lainnya - -
Other equity
23. Cadangan
Reserve
a. Cadangan umum 2.063 2.063 3
General reserve
b. Cadangan tujuan - -
Goal reserve
24. Laba/rugi
Profit/loss
a. Tahun-tahun lalu 1.236.011 1.236.011 2
Preceeding Years
b. Tahun berjalan 574.262 574.262 2
Current year
Dividen yang dibayarkan -/- (233,383) (233,383)
c. Dividends paid -/-
JUMLAH EKUITAS YANG DAPAT DIATRIBUSIKAN
TOTAL ATTRIBUTABLE EQUITY
KEPADA PEMILIK 7.506.045 7.506.045
TO OWNERS
25. Kepentingan non pengendali 4
Non-controlling interest
JUMLAH EKUITAS 7.506.045 7.506.045
TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 18.470.073 18.470.073
TOTAL LIABILITIES AND EQUITY
Analisis Kualitatif
Qualitative Analysis
Permodalan Bank dihitung mengikuti ketentuan POJK No. 11/POJK.03/2016 tanggal 29 Januari 2016 tentang Kewajiban Penyediaan Modal Minimum
Bank Umum dan memastikan bahwa Bank memiliki struktur permodalan yang sehat dan sesuai dengan profil risiko, target bisnis dan ketentuan
permodalan dari Regulator.
The Bank's capital is calculated following the provisions of POJK No. 11/POJK.03/2016 dated January 29, 2016 regarding the Minimum Capital Adequacy
of Commercial Banks and ensures that the Bank has a sound capital structure and is in accordance with the risk profile, business targets and capital
requirements of the Regulator.
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Table CCA: Fitur Utama Permodalan Bank
CCA Table: Main Features of Bank Capital
Informasi Kuantitatif/
Kualitatif
Indonesia
Quantitative/Qualitative
Information
1 Penerbit PT Allo Bank Indonesia Tbk
Issuer
2 Nomor identifikasi N/A
Identification number
3 Hukum yang digunakan Hukum Indonesia
Law used Indonesian Law
3a Sarana yang memungkinkan kewajiban pelaksanaan pada N/A
Bagian 13 dari Lembar Istilah TLAC tercapai (untuk instrumen TLAC sah lainnya yang diatur oleh hukum asing)
Means of enabling the performance obligations under Section 13 of the TLAC Glossary to be
achieved (for other valid TLAC instruments governed by foreign law)
Perlakuan Instrumen berdasarkan ketentuan KPMM
Instrument treatment under CAR Provisions
4 Pada saat masa transisi N/A
At the time of transition
5 setelah masa transisi T2
After transition
6 Apakah instrumen eligible untuk Individu/Konsolidasi atau Konsolidasi dan Individu Group, solo
Is the instrument eligible for Individual/Consolidation or Consolidation and Individual
7 Jenis Instrumen Surat Berharga Subordinasi
Types of Instruments Indonesian Law
8 Jumlah yang diakui dalam perhitungan KPMM -
Recognized value in CAR calculation
9 Nilai par dari instrumen 50.000
The par value of instrument
10 Klasifikasi sesuai standar akuntansi keuangan Liabilitas - Amortised Cost
Classification according to financial accounting standards Liabilities - Amortized Cost
11 Tanggal penerbitan 28/05/2020
Issuance date
12 Tidak ada jatuh tempo (perpetual) atau dengan jatuh tempo Dengan Jatuh Tempo
Perpetual or with maturity date With Due Date
13 Tanggal jatuh tempo 28/05/2025
Maturity date
14 Eksekusi call option atas persetujuan Otoritas Jasa Keuangan Tidak
Call option execution with the Financial Services Authority approval No
15 Tanggal call option, jumlah penarikan dan persyaratan call option lainnya (bila ada) N/A
Call option date, withdrawal amount and other call option requirements (if any)
16 Subsequent call option N/A
Kupon/dividen
Coupons/dividends
17 Dividen/ kupon dengan bunga tetap atau floating Fixed
Dividends/coupons with fixed or floating interest
18 Tingkat dari coupon rate atau index lain yang menjadi acuan 9,00%
The level of the coupon rate or other index that is used as a reference
19 Ada atau tidaknya dividend stopper Tidak
Whether or not there is a dividend stopper No
20 Fully discretionary; partial atau mandatory Mandatory
Fully discretionary; partial or mandatory
21 Apakah terdapat fitur step up atau insentif lain Tidak
Is there a step up feature or other incentives? No
22 Non-kumulatif atau kumulatif Non-cumulative
Non-cumulative or cumulative
23 Dapat dikonversi atau tidak dapat dikonversi Non-convertible
Convertible or non-convertible
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Informasi Kuantitatif/
Kualitatif
Indonesia
Quantitative/Qualitative
Information
24 Jika dapat dikonversi, sebutkan trigger point-nya N/A
If convertible, state the trigger point
25 Jika dapat dikonversi, apakah seluruh atau sebagian N/A
If it is convertible, whether in whole or in part
26 Jika dapat dikonversi, bagaimana rate konversinya N/A
If convertible, what is the conversion rate
27 Jika dapat dikonversi; apakah mandatory atau optional N/A
If convertible; is it mandatory or optional
28 Jika dapat dikonversi, sebutkan jenis instrumen konversinya N/A
If convertible, state the type of conversion instrument
29 Jika dapat dikonversi, sebutkan issuer of instrument it converts into N/A
If convertible, state issuer of instrument it converts into
30 Fitur write-down Ya
Write-down feature Yes
31 Jika terjadi write-down, sebutkan trigger-nya Mengikuti ketentuan OJK
If write-down occurs, name the trigger Complying with OJK
32 Jika terjadi write-down, apakah penuh atau sebagian Mengikuti ketentuan OJK
If write-down occurs, is it whole or partly Complying with OJK
33 Jika terjadi write down; permanen atau temporer Mengikuti ketentuan OJK
If write-down occurs, is it permanent or temporary Complying with OJK
34 Jika terjadi write down temporer, jelaskan mekanisme write-up N/A
If a temporary write down occurs, explain the write-up mechanism
34a Tipe subordinasi Junior bonds
Types of subordinates
35 Hierarki instrumen pada saat likuidasi N/A
Instruments Hierarchy at the time of liquidation
36 Apakah terdapat fitur yang non-compliant Tidak
Are there any non-compliant features No
37 Jika Ya, jelaskan fitur yang non-compliant N/A
If Yes, explain the non-compliant features
Analisis Kualitatif
Qualitative Analysis
N/A
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Tabel 1 : Pengungkapan Struktur Permodalan
Table 1: Disclosure of Capital Structure
31 31
Komponen Modal Desember Desember
Capital Component' December December
2025 2024
dalam jutaan Rupiah | In million Rupiah
I Modal Inti (Tier 1) 7.392.067 7.112.796
Core Capital (Tier 1)
1 Modal Inti Utama 7.392.067 7.112.796
Common Equity Tier 1 (CET 1)
1.1 Modal disetor (Setelah dikurangi Treasury Stock) 2.163.987 2.173.026
Paid Up Capital (after reduced by Treasury Stock)
1.2 Cadangan Tambahan Modal 5.314.264 4.992.421
Additional Capital Allowance
1.2.1 Faktor Penambah
Additional Factor
1.2.1.1 Pendapatan komprehensif lainnya
Other comprehensive income
1.2.1.1.1 Selisih lebih penjabaran laporan keuangan - -
Differences in the translation of financial statements
1.2.1.1.2 Potensi keuntungan dari peningkatan nilai wajar aset keuangan dalam 13.893 -
kelompok tersedia untuk dijual
Potential gain from an increase in the fair value of financial assets in the
available-for-sale group
1.2.1.1.3 Saldo surplus revaluasi aset tetap - -
Fixed assets revaluation surplus balance
1.2.1.2 Cadangan tambahan modal lainnya
Other disclosed reserves
1.2.1.2.1 Agio 3.712.150 3.824.553
1.2.1.2.2 Cadangan umum 2.063 2.060
General reserve
1.2.1.2.3 Laba tahun-tahun lalu 1.002.628 768.908
Previours year profits
1.2.1.2.4 Laba tahun berjalan 574.262 467.106
Profit for the year
1.2.1.2.5 Dana setoran modal - -
Capital Deposits
1.2.1.2.6 Lainnya 44.180 44.180
Others
1.2.2 Faktor Pengurang
Deduction Factor
1.2.2.1 Pendapatan komprehensif lainnya
Other comprehensive income
1.2.2.1.1 Selisih kurang penjabaran laporan keuangan - -
Differences in the translation of financial
statements
1.2.2.1.2 Potensi kerugian dari penurunan nilai wajar aset keuangan dalam kelompok - (10.395)
tersedia untuk dijual
Potential loss from decrease in fair value of available-for-sale financial assets
1.2.2.2 Cadangan tambahan modal lainnya
Other disclosed reserves
1.2.2.2.1 Disagio - -
1.2.2.2.2 Rugi tahun-tahun lalu - -
Previous year loss
1.2.2.2.3 Rugi tahun berjalan - -
Loss for the year
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31 31
Komponen Modal Desember Desember
Capital Component' December December
2025 2024
dalam jutaan Rupiah | In million Rupiah
1.2.2.2.4 Selisih kurang antara Penyisihan Penghapusan Aset (PPA) dan Cadangan (34.912) (103.991)
Kerugian Penurunan Nilai (CKPN) atas aset produktif
Less difference between Allowance for Asset Losses (PPA) and Allowance for
Impairment Losses (CKPN) on earning assets
1.2.2.2.5 Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan - -
dalam trading book
The difference between the amount of fair value adjustment of financial
instruments in the trading book
1.2.2.2.6 PPA aset non produktif yang wajib dibentuk - -
PPA for non-productive assets that must be formed
1.2.2.2.7 Lainnya - -
Others
1.3 Kepentingan Non Pengendali yang dapat diperhitungkan
Considerable non-controlling interest
1.4 Faktor Pengurang Modal Inti Utama (86.184) (52.651)
Main Core Capital Deduction Factor
1.4.1 Perhitungan pajak tangguhan (2.792) (769)
Deferred tax calculation
1.4.2 Goodwill - -
1.4.3 Seluruh Aset tidak berwujud lainnya (34.967) (51.882)
All other intangible assets
1.4.4 Penyertaan yang diperhitungkan sebagai faktor pengurang - -
The inclusion considered as a deduction factor
1.4.5 Kekurangan modal pada perusahaan anak asuransi - -
Lack of capital in the insurance subsidiary company
1.4.6 Eksposur sekuritisasi - -
Securitization Exposure
1.4.7 Faktor pengurang modal inti utama lainnya - -
Other major core capital deduction factors
1.4.7.1 Penempatan dana pada instrumen AT1 dan/atau Tier 2 pada bank lain (48.425) -
Placement of funds in AT1 and/or Tier 2 instruments at other banks
1.4.7.2 Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan karena hukum, - -
hibah, atau hibah wasiat
Cross-ownership in another entity acquired based on a transfer by law, gift, or
testamentary grant
2 Modal Inti Tambahan - -
Additional Tier 1 (AT 1)
2.1 Instrumen yang memenuhi persyaratan AT 1 - -
Instruments that meet AT 1 requirements
2.2 Agio - -
Disagio
2.3 Faktor Pengurang: Modal Inti Tambahan *) - -
Deducting Factor: Additional Core Capital *)
2.3.1 Penempatan dana pada instrumen AT1 danatau Tier 2 pada bank lain - -
Placement of funds in AT1 and/or Tier 2 instruments at other banks
2.3.2 Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan karena hukum, - -
hibah, atau hibah wasiat
Cross-ownership in another entity acquired based on a transfer by law, gift, or
testamentary grant
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31 31
Komponen Modal Desember Desember
Capital Component' December December
2025 2024
dalam jutaan Rupiah | In million Rupiah
II Modal Pelengkap (Tier 2) 84.769 75.392
Supplementary Capital (Tier 2)
1 Instrumen modal dalam bentuk saham atau lainnya yang memenuhi persyaratan Tier 2 - -
Capital instruments in the form of shares or other that meet Tier 2 requirements
2 Agio - -
disagio
3 Cadangan umum PPA atas aset produktif yang wajib dibentuk (paling tinggi 1,25% ATMR Risiko Kredit) 84.769 75.392
PPA general reserve for productive assets that must be established (maximum 1.25% Credit Risk RWA)
4 Faktor Pengurang Modal Pelengkap - -
Supplementary Capital Reduction Factors
4 Sinking Fund - -
4 Penempatan dana pada instrumen AT1 dan/atau Tier 2 pada bank lain - -
Placement of funds in AT1 and/or Tier 2 instruments at other banks
4 Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan karena hukum, hibah, atau hibah wasiat - -
Cross-ownership in another entity acquired based on a transfer by law, gift, or testamentary grant
TOTAL MODAL 7.476.836 7.188.188
TOTAL CAPITAL
31 31 31 31
Desember Desember Desember Desember
Keterangan Keterangan
2025 2024 2025 2024
Description Description
December December December December
31, 2025 31, 2024 31, 2025 31, 2024
ASET TERTIMBANG MENURUT RISIKO RASIO KPMM
ASSET CONSIDERED RISK CAR RATIO
ATMR RISIKO KREDIT 9.503.829 8.256.451 Rasio CET 1 (%) 73,10% 81,71%
RWA CREDIT RISK CET 1 Ratio
ATMR RISIKO PASAR 62.171 - Rasio Tier 1 (%) 73,10% 81,71%
RWA MARKET RISK Tier 1 Ratio
ATMR RISIKO OPERASIONAL 546.105 448.282 Rasio Tier 2 (%) 0,84% 0,87%
RWA OPERATIONAL RISK Tier 2 Ratio
TOTAL ATMR 10.112.105 8.704.733 Rasio KPMM (%) 73,94% 82,58%
TOTAL RWA CAR Ratio (%)
RASIO KPMM SESUAI PROFIL RISIKO (%) 9,90% 9,90% CET 1 UNTUK BUFFER (%) 64,04% 72,68%
CAR Ratio Based on Risk Profile (%) CET 1 FOR BUFFER
ALOKASI PEMENUHAN KPMM SESUAI PERSENTASE BUFFER YANG WAJIB 2,500% 2,500%
PROFIL RISIKO DIPENUHI OLEH BANK (%)
ALLOCATION OF COMPLIANCE CAR PERCENTAGE OF BUFFER REQUIRED TO
ACCORDING TO RISK PROFILE BE FULFILLED BY THE BANK (%)
Dari CET 1 (%) 9,06% 9,03% Capital Conservation Buffer (%) 2,500% 2,500%
From CET 1 (%)
Dari AT 1 (%) 0,00% 0,00% Countercyclical Buffer (%) 0,000% 0,000%
From AT 1 (%)
Dari Tier 2 (%) 0,84% 0,87% Capital Surcharge untuk Bank Sistemik (%) 0,000% 0,000%
From Tier 2 (%) Capital Surcharge for Systemic Banks (%)
Pengungkapan Kualitatif mengenai Struktur Permodalan dan Kecukupan Permodalan
Qualitative Disclosures on Capital Structure and Capital Adequacy
Sebagai bagian dari entitas perbankan di Indonesia, Bank selalu berupaya untuk memenuhi ketentuan yang berlaku dari regulator. Pada 31 Desember
2025 dan 2024, modal Bank dihitung mengikuti ketentuan POJK No. 11/POJK.03/2016 tanggal 29 Januari 2016 tentang Kewajiban Penyediaan Modal
Minimum Bank Umum.
As part of the banking entity in Indonesia, the Bank always strives to comply with the applicable provisions of the regulator. As of December 31, 2025 and
2024, the Bank's capital is calculated following the provisions of POJK No. 11/POJK.03/2016 dated January 29, 2016 concerning the Minimum Capital
Provision Obligation of Commercial Banks.
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Risiko Kredit
Credit Risk
Tabel 7 : Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank Secara Individu
Table 7: Disclosure of Details of Changes in Allowance for Impairment Losses - Individual Banks
31 Desember 2025 31 Desember 2024
Keterangan December 31, 2025 December 31, 2024
No.
Information
Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3
(1) (2) (3) (4) (5) (3) (4) (5)
dalam jutaan Rupiah | In million Rupiah
1 Saldo awal CKPN 59.034 14.472 31.034 56.140 3.944 2.330
Beginning Balance of Allowance for
Impairment Losses (CKPN)
2 Pembentukan (pemulihan) CKPN pada periode berjalan (Net)
Establishment (Recovery) of Allowance for Impairment Losses in the Current Period (Net)
2.a Pembentukan CKPN pada - 16.115 439.299 2.894 10.528 100.620
Periode Berjalan
Establishment of Allowance for
Impairment Losses in the Current
Period
2.b Pemulihan CKPN pada Periode (25.982) - - - - -
Berjalan
Recovery of Allowance for
Impairment Losses in the Current
Period
4 CKPN yang digunakan untuk - - (376.081) - - (71.916)
melakukan hapus buku atas tagihan
pada periode berjalan (-/-)
Allowance for Impairment Losses
used to write off receivables in the
current period (-/-)
5 Pembentukan (pemulihan) lainnya - - - - - -
pada periode berjalan
Other allowances (recoveries) in the
current period
Saldo akhir CKPN 33.052 30.587 94.252 59.034 14.472 31.034
Ending Balance of Allowance for
Impairment Losses (CKPN)
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Risiko Kredit
Credit Risk
CRA : Pengungkapan Informasi mengenai Kualitatif Terkait Risiko Kredit Secara Umum
CRA: Disclosure of Qualitative Information Related to Credit Risk in General
1. Definisi dan Kebijakan Manajemen Risiko Kredit 1. Definition and Loan Risk Management Policy
Risiko Kredit didefinisikan sebagai risiko kerugian yang Loan risk is defined as the risk of loss arising from the
timbul akibat kegagalan pihak lawan (counterparty) atau failure of a counterparty or debtor to fulfill any obligations
debitur dalam memenuhi liabilitas atau kewajibannya or liabilities to the Bank. The Bank manages loan risk by
kepada Bank. Bank mengelola risiko kredit dengan developing strategies, frameworks, and implementing
menyusun strategi, kerangka kerja, serta menjalankan upaya comprehensive risk mitigation efforts that cover all aspects
mitigasi risiko secara komprehensif yang mencakup seluruh of its business, including retail (digital) loans, corporate
aspek bisnis, baik pada segmen kredit retail (digital), kredit (wholesale) loans, interbank placements, and securities
korporasi (wholesale), maupun pada aktivitas penempatan purchases.
antar-bank dan pembelian surat berharga.
Dalam menjalankan aktivitas perkreditan, khususnya dengan In carrying out loan activities, particularly with digital
model bisnis digital seperti PayLater dan Instant Cash, Bank business models such as PayLater and Instant Cash, the
menyadari adanya risiko spesifik yang timbul dari akses Bank recognizes the specific risks arising from broader
yang lebih luas dan minimnya tatap muka fisik. Oleh karena access and minimal physical face-to-face interaction.
itu, kebijakan manajemen risiko kredit Bank difokuskan Accordingly, the Bank's loan risk management policy has
pada penerapan prinsip kehati-hatian (prudential banking) a focus on the strict application of prudential banking
yang ketat serta verifikasi calon debitur yang akurat. principles and accurate verification of prospective debtors.
2. Tata Kelola dan Kerangka Kerja Manajemen Risiko Kredit 2. Governance and Loan Risk Management Framework
Bank menerapkan tata kelola risiko kredit yang melibatkan The Bank implements loan risk governance that involves
pengawasan aktif dari Dewan Komisaris dan Direksi. active oversight by the Board of Directors and Board of
Struktur tata kelola ini didukung oleh komite-komite terkait, Commissioners. This governance structure is supported
seperti Komite Manajemen Risiko, Komite Kredit, dan by relevant committees, such as the Risk Management
Komite Kebijakan Perkreditan. Committee, the Loan Committee, and the Loan Policy
Committee.
• Pengawasan Aktif Manajemen: Dewan Komisaris dan • Active Management Oversight: The Board of
Direksi bertanggung jawab memastikan kebijakan Commissioners and the Board of Directors are
perkreditan telah memadai dan dipatuhi. Direksi secara responsible for ensuring that loan policies are
berkala melaporkan pelaksanaan pemberian kredit, adequate and that the Bank adheres to them. The
mitigasi risiko, serta pengawasan terhadap potensi Board of Directors regularly reports to the Board of
penyimpangan kepada Dewan Komisaris. Commissioners on the implementation of loan granting,
risk mitigation, and oversight of potential irregularities.
• Komite Kredit: Dibentuk untuk membantu Direksi dalam • Loan Committee: This was established to assist the
mengevaluasi dan memberikan keputusan kredit sesuai Board of Directors in evaluating and making loan
batas wewenang, dengan menerapkan prinsip "empat decisions within the limits of their authority, and
mata" (four eyes principle). Prinsip ini memisahkan while applying the "four eyes" principle. This principle
fungsi pengembangan bisnis dan fungsi analisis risiko separates the Bank's business development and loan
kredit untuk menjaga objektivitas keputusan. risk analysis functions as a means to maintain decision
objectivity.
• Tiga Lini Pertahanan (Three Lines of Defense): Bank • Three Lines of Defense: The Bank implements a
menerapkan pembagian tugas yang jelas antara lini clear division of duties between its first line (business/
pertama (unit bisnis/operasional sebagai risk taking operational units as risk-taking units), its second line
unit), lini kedua (Satuan Kerja Manajemen Risiko dan (Risk Management and Compliance Work Unit), and its
Kepatuhan), dan lini ketiga (Satuan Kerja Audit Internal) third line (Internal Audit Work Unit) to ensure effective
untuk memastikan efektivitas pengendalian risiko. risk control.
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3. Proses Pengelolaan Risiko Kredit 3. Loan Risk Management Process
Proses manajemen risiko kredit di Allo Bank dilakukan The loan risk management process at Allo Bank is
secara end-to-end yang meliputi: conducted from end to end and includes:
• Identifikasi Risiko: Bank menjalankan Identifikasi risiko • Risk Identification: The Bank conducts risk identification
melalui kerangka analisis kredit yang komprehensif through a comprehensive loan analysis framework and
serta penerapan prosedur verifikasi yang ketat terhadap uses strict verification procedures that are implemented
setiap calon debitur. Proses ini dilakukan secara for each prospective borrower. This process is carried
berkesinambungan melalui pengawasan rutin terhadap out continuously through routine monitoring of borrower
kinerja debitur, sehingga Bank dapat secara konsisten performance, allowing the Bank to consistently
memitigasi risiko kredit dengan mendeteksi potensi mitigate loan risk by detecting potential asset quality
pemburukan kualitas aset sejak tahap awal. deterioration at an early stage.
• Pengukuran Risiko: Bank menggunakan metode • Risk Measurement: The Bank uses measurement
pengukuran yang disesuaikan dengan karakteristik methods tailored to portfolio characteristics. In
portofolio. Sesuai dengan PSAK 71, Bank mengukur accordance with Statement of Financial Accounting
Kerugian Kredit Ekspektasian (KKE) menggunakan Standards (PSAK) 71, the Bank measures Expected Loan
parameter risiko seperti Probability of Default (PD), Loss Losses (KKE) using risk parameters such as Probability
Given Default (LGD), dan Exposure at Default (EAD). of Default (PD), Loss Given Default (LGD), and Exposure
at Default (EAD).
• Pemantauan Risiko: Dilakukan secara berkala terhadap • Risk Monitoring: This is conducted periodically on
kualitas kredit, baik per kategori maupun portofolio loan quality, both by category and by portfolio as a
secara keseluruhan. Bank juga melakukan stress testing whole. The Bank also conducts regular stress testing to
secara rutin untuk memperkirakan dampak perubahan estimate the impact of changing economic conditions
kondisi ekonomi terhadap portofolio kredit dan on the loan portfolio and prepares contingency plans.
menyiapkan rencana kontingensi (contingency plan).
• Pengendalian Risiko: Bank menetapkan limit risiko • Risk Control: The Bank sets loan risk limits, including the
kredit, termasuk Batas Maksimum Pemberian Kredit Legal Lending Limit (LLL) in accordance with regulatory
(BMPK) sesuai ketentuan regulator, serta wewenang requirements, and has the authority to terminate tiered
memutus kredit yang berjenjang. Bank juga melakukan loans. The Bank also conducts intensive collection
penagihan intensif terhadap debitur bermasalah untuk efforts on non-performing borrowers to prevent asset
mencegah pemburukan kualitas aset. quality deterioration.
4. Penetapan Kualitas Kredit dan Pembentukan Cadangan 4. Determination of Loan Quality and Establishment of
Kerugian Allowance for Losses
Sesuai dengan standar akuntansi yang berlaku (PSAK 71), In accordance with applicable accounting standards (PSAK
Bank mengklasifikasikan aset keuangan ke dalam tiga 71), the Bank classifies financial assets into three stages
tahapan (stages) berdasarkan perubahan kualitas kredit based on changes in loan quality since its initial recognition
sejak pengakuan awal: process:
• Stage 1 (Performing): Aset keuangan yang tidak • Stage 1 (Performing): Financial assets that have
mengalami peningkatan risiko kredit signifikan. not experienced a significant increase in loan risk.
Cadangan kerugian dihitung berdasarkan kerugian Allowance for losses is calculated based on 12-month
kredit ekspektasian 12 bulan. expected loan losses.
• Stage 2 (Under-performing): Aset keuangan yang • Stage 2 (Under-performing): Financial assets that have
mengalami peningkatan risiko kredit signifikan experienced a significant increase in loan risk (SICR),
(Significant Increase in Credit Risk/SICR), namun belum but are not yet indicated as non-performing. This
terindikasi macet. Peningkatan signifikan ini salah significant increase is indicated by payment arrears of
satunya ditandai dengan tunggakan pembayaran lebih more than 30 days (among other things).
dari 30 hari.
• Stage 3 (Non-Performing/Impaired): Aset keuangan • Stage 3 (Non-Performing/Impaired): Financial assets
yang telah mengalami penurunan nilai atau macet that have experienced impairment or are in default. The
(default). Definisi default diterapkan ketika debitur definition of default applies when the debtor is more
menunggak pembayaran pokok dan/atau bunga lebih than 90 days in arrears on principal and/or interest
dari 90 hari. payments.
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5. Mitigasi Risiko Kredit (Credit Risk Mitigation) 5. Loan Risk Mitigation
Bank berkomitmen untuk menjaga kualitas aset dan The Bank is committed to maintaining asset quality
stabilitas kinerja keuangan melalui penerapan kerangka and stable financial performance by implementing a
mitigasi risiko kredit yang komprehensif di seluruh lini comprehensive loan risk mitigation framework across all of
bisnis. Dalam rangka meminimalkan potensi kerugian its business lines. To minimize potential losses and optimize
dan mengoptimalkan profil risiko perusahaan secara the company's overall risk profile (bank-wide), the Bank
menyeluruh (Bank-wide), Bank menerapkan teknik mitigasi implements risk mitigation techniques aligned with industry
risiko yang selaras dengan praktik terbaik industri dan best practices and applicable regulatory requirements.
ketentuan regulasi yang berlaku, yang mencakup: These techniques include the following:
• Pengelolaan Agunan (Collateral Management): Bank • Collateral Management: The Bank implements a
menerapkan kebijakan persyaratan agunan yang ketat strict and high-quality collateral requirement policy
dan berkualitas tinggi sebagai salah satu instrumen as one of its primary risk mitigation instruments. This
utama mitigasi risiko. Proses ini mencakup penilaian process includes periodic assessments, legal binding
berkala, pengikatan agunan secara yuridis, serta of collateral, and ensuring adequate market value to
pemastian nilai pasar yang memadai untuk melindungi protect the Bank's loan exposure.
eksposur kredit Bank.
• Pengalihan Risiko (Risk Transfer): Sebagai upaya • Risk Transfer: As a risk diversification effort, the Bank
diversifikasi risiko, Bank memanfaatkan instrumen utilizes loan insurance instruments and guarantee
asuransi kredit dan skema penjaminan melalui kemitraan schemes through strategic partnerships with trusted
strategis dengan institusi penjaminan terpercaya. guarantee institutions. This mechanism aims to transfer
Mekanisme ini bertujuan untuk mengalihkan sebagian a portion of its loan risk exposure to third parties to
eksposur risiko kredit kepada pihak ketiga guna strengthen the Bank's capital structure and resilience.
memperkuat struktur permodalan dan ketahanan bank.
• Diversifikasi dan Pengendalian Konsentrasi Portofolio: • Portfolio Diversification and Concentration Control:
Bank secara proaktif mengelola konsentrasi risiko The Bank proactively manages risk concentration by
dengan melakukan diversifikasi portofolio kredit secara systematically diversifying its loan portfolio. This step
sistematis. Langkah ini dilakukan melalui penyebaran is implemented by spreading exposure across various
eksposur ke berbagai sektor ekonomi, wilayah economic sectors, geographic regions, and customer
geografis, dan segmen nasabah untuk menghindari segments to avoid dependence on a particular risk
ketergantungan pada konsentrasi risiko tertentu serta concentration and ensure healthy and balanced
memastikan pertumbuhan portofolio yang sehat dan portfolio growth.
berimbang.
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Risiko Kredit
Credit Risk
Pengungkapan Kualitas Kredit atas Aset (CR1)
Disclosure of Credit Quality of Assets (CR1)
Bank Secara Individu
Bank Individually
Nilai Tercatat Bruto
Gross Carrying Amount
Tagihan yang Telah Tagihan yang Belum CKPN
Jatuh Tempo Jatuh Tempo
Past Due Claims Undue Claims
a b c
1 Kredit 149.510 8.991.221 157.728
Loans
2 Surat Berharga - 6.694.544 -
Securities
3 Surat Berharga/Piutang Subordinasi - 48.425 -
Securities/Subordinated Receivables
4 Surat Berharga yang dijual dengan janji - - -
dibeli kembali (Repo)
Securities sold with an agreement to
repurchase (Repo)
5 Penempatan pada Bank Indonesia - 471.749 -
Placement with Bank Indonesia
6 Penempatan pada Bank lain - 611.972 162
Placement with Other Banks
7 Tagihan Akseptasi - - -
Acceptance Receivables
8 Instrumen ekuitas - - -
Equity instruments
9 Instrumen modal lainnya - - -
Other capital instruments
10 Penyertaan dalam rangka program nasional - - -
Participation in the framework of national
programs
11 Tagihan Bunga yang belum diterima - 164.263 -
Interest Bills that have not been received
12 Tagihan Lainnya - - -
Other bills
13 Aset Lainnya - 402.959 -
Other Assets
14 Transaksi Rekening Administratif - - -
Administrative Account Transaction
15 Total 149.510 15.685.765 157.728
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CKPN
CKPN
Nilai Bersih
(Pendekatan IRB
Stage 2 dan Stage 3 Net Value (a+b-c)
Stage 1 IRB Approach)
Stage 2 and Stage 3
d e f g
dalam jutaan Rupiah | In million Rupiah
130.508 27.220 8.983.003
- - 6.694.544
- - 48.425
- - -
- - 471.749
- 162 611.810
- - -
- - -
- - -
- - -
- - 164.263
- - -
- - 402.959
- - -
130.508 27.220 - 15.677.547
Pengungkapan Tambahan
Additional Disclosure
Tagihan Jatuh Tempo merupakan debitur yang memiliki masa tunggakan lebih dari 90 hari atau kolektabilitas 3, 4, dan 5.
Due Bills are debtors who have arrears of more than 90 days or collectability 3, 4, and 5.
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Risiko Kredit
Credit Risk
Pengungkapan Mutasi Kredit dan Surat Berharga yang Telah Jatuh Tempo (CR2)
Disclosure of Credit Movements and Overdue Securities (CR2)
Bank Secara Individu
a
Bank as an Individual
dalam jutaan Rupiah | In million Rupiah
1 Kredit dan Surat Berharga yang Telah Jatuh Tempo pada periode pelaporan terakhir -
Credit and Securities that have matured in the last reporting period
2 Kredit dan Surat Berharga yang Telah Jatuh Tempo sejak periode pelaporan terakhir -
Credit and Securities that have matured since the last reporting period
3 Kredit dan Surat Berharga yang kembali menjadi tagihan yang belum jatuh tempo 8.991.221
Credit and Securities that return to bills that have not yet matured
4 Nilai hapus buku 376.081
Write-off value
5 Perubahan lain -
Other changes
6 Kredit dan Surat Berharga yang Telah Jatuh Tempo pada akhir periode pelaporan (1+2-3-4+5) 149.510
Credit and Securities that have matured at the end of the reporting period (1+2-3-4+5)
Pengungkapan Tambahan
Additional Disclosure
Tagihan jatuh tempo seluruhnya berasal dari kredit, meningkatnya tagihan jatuh tempo diakibatkan karena adanya beberapa debitur kredit yang cukup
besar yang memiliki masa tunggakan lebih dari 90 hari atau kolektabilitas 3, 4, dan 5.
All overdue bills come from credit, the increase in overdue bills is due to the presence of several quite large credit debtors who have arrears of more than
90 days or collectabilities of 3, 4, and 5.
Risiko Kredit
Credit Risk
CRB : Pengungkapan Tambahan terkait Kualitas Kredit atas Aset
CRB: Additional Disclosures regarding Credit Quality of Assets
1. Definisi Tagihan yang Mengalami Penurunan Nilai dan 1. Definition of Impairment and Maturity for Receivables
Jatuh Tempo The Bank defines loan quality on the basis of prudential
Bank menetapkan definisi kualitas kredit berdasarkan principles and accounting standards, specifically, Statement
prinsip kehati-hatian dan standar akuntansi PSAK 71 of Financial Accounting Standards (PSAK) 71 concerning
(Instrumen Keuangan). Financial Instruments.
• Tagihan yang Telah Jatuh Tempo (Past Due) & • Receivables that are Past Due and Impaired: These
tagihan yang Mengalami Penurunan Nilai (Impaired): are defined as financial assets for which the debtor
Didefinisikan sebagai aset keuangan di mana debitur fails to make principal and/or interest payments on the
gagal melakukan pembayaran pokok dan/atau bunga contractually agreed date, with arrears of more than
pada tanggal yang telah disepakati dalam kontrak, 30 days, and which are categorized as experiencing a
dengan masa tunggakan lebih dari 30 hari, yang significant increase in credit risk at stages 2 and 3.
dikategorikan mengalami peningkatan risiko kredit
signifikan pada stage 2 dan stage 3.
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2. Pendekatan Cadangan Kerugian Penurunan Nilai 2. Allowance for Impairment Losses (CKPN) Approach
(CKPN)
Pembentukan CKPN dilakukan berdasarkan metode The Bank's CKPN provision is established based on its
Expected Credit Loss (ECL) yang memperhitungkan faktor Expected Credit Loss (ECL) method, which takes into
kuantitatif dan kualitatif. account both quantitative and qualitative factors.
3. Kebijakan Restrukturisasi Kredit 3. Loan Restructuring Policy
Restrukturisasi kredit dilakukan melalui modifikasi Loan restructuring is carried out through modifications to
persyaratan kredit (seperti perpanjangan jangka waktu loan terms (such as term extensions or payment deferrals)
atau penundaan pembayaran) apabila debitur mengalami if the debtor experiences financial difficulties but still has
kesulitan keuangan namun masih memiliki prospek business prospects. Losses arising from restructuring are
usaha. Kerugian yang timbul dari restrukturisasi dihitung calculated based on the difference between the present
berdasarkan selisih nilai tunai arus kas masa depan dengan value of future cash flows and the carrying amount before
nilai tercatat sebelum restrukturisasi. Berdasarkan data per restructuring. Based on data as of 31 December, 2025, the
31 Desember 2025, Bank mencatatkan tidak terdapat kredit Bank has recorded no restructured loans during the current
yang direstrukturisasi pada tahun berjalan. year.
4. Kebijakan Hapus Buku (Write-Off) 4. Write-Off Policy
Bank melakukan hapus buku (write-off) terhadap kredit The Bank writes off loans deemed to have no realistic
yang dinilai tidak memiliki prospek pemulihan yang realistis prospect of recovery after all collection efforts and legal
setelah seluruh upaya penagihan dan prosedur hukum procedures have been exhausted. The write-off is carried
dilakukan. Penghapusbukuan dilakukan dengan mendebit out by debiting its established Allowance for Impairment
akun CKPN yang telah dibentuk. Pada awal tahun 2025 Losses (CKPN) account. From the beginning of 2025 to
sampai dengan 31 Desember 2025 secara akumulasi, Bank 31 December, 2025, the Bank wrote off a cumulative total
melakukan hapus buku sebesar Rp376 Miliar. Kebijakan ini of IDR376 billion. This policy was taken as a measure to
diambil sebagai langkah untuk menjaga kualitas neraca maintain the quality of the Bank's balance sheet.
Bank.
5. Analisis Portofolio Berdasarkan Sektor Ekonomi dan 5. Portfolio Analysis by Economic Sector and Region
Wilayah
• Berdasarkan Wilayah: • By Region:
Seluruh portofolio kredit Bank terkonsentrasi di wilayah The Bank's entire loan portfolio is concentrated in
Indonesia, sejalan dengan cakupan operasional Bank Indonesia, in line with the Bank's operational scope,
yang memiliki kantor pusat di Jakarta dan kantor which has its head office in Jakarta and also has
cabang pendukung. supporting branch offices.
• Berdasarkan Sektor Ekonomi: • By Economic Sector:
Komposisi penyaluran kredit Bank sepanjang 2025 The composition of the Bank's loan distribution
terkonsentrasi secara proporsional pada 9 (sembilan) throughout 2025 was proportionally concentrated in
sektor ekonomi. Sektor Rumah Tangga mencatatkan nine economic sectors. The Household sector recorded
porsi tertinggi sebesar 10,79%, mencerminkan the highest share at 10.79%, reflecting the success of
keberhasilan strategi Bank dalam melakukan ekspansi the Bank's digital credit expansion strategy, particularly
kredit digital, khususnya melalui produk PayLater dan through PayLater and Instant Cash products.
Instant Cash. Selanjutnya, kontribusi signifikan juga Furthermore, significant contributions also came from
berasal dari sektor lainnya seperti; sektor Industri other sectors, such as the Manufacturing Industry sector
Pengolahan sebesar 9,45% dan sektor Informasi dan (at 9.45%) and the Information and Communications
Komunikasi sebesar 7,39%. sector at (7.39%).
• Kualitas Kredit: • Credit Quality:
Sepanjang tahun 2025, Bank mencatat kenaikan Throughout 2025, the Bank recorded an increase in
rasio NPL Gross menjadi 1,64% dibandingkan 0,81% its Gross NPL ratio to 1.64% compared to 0.81% in
pada periode tahun sebelumnya tahun 2024, yang the previous year, reflecting the impact of aggressive
merupakan dampak dari pertumbuhan agresif di sektor growth in the digital credit sector.
kredit digital.
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Risiko Kredit
Credit Risk
CRB : Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank Secara Individu
CRB: Disclosure of Net Receivables by Region - Individual Banks
31 Desember 2025 | December 31, 2025
Kategori Portofolio Tagihan Bersih Berdasarkan Wilayah
No.
Portfolio Category Net Billing Disclosure by Region
Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan kepada 7.271.988 - - - - - - 7.271.988
Pemerintah
Claims on Sovereign
2 Tagihan kepada Entitas - - - - - - - -
Sektor Publik
Claims on Public Sector
Entity
3 Tagihan kepada - - - - - - - -
Bank Pembangunan
Multilateral dan
Lembaga Internasional
Claims on Multilateral
Development Banks
and International
Institutions
4 Tagihan kepada Bank 612.022 - - - - - - 612.022
Claims on Banks
5 Tagihan berupa - - - - - - - -
Covered Bond
Covered Bond Claims
6 Tagihan kepada - - - - - - - -
Perusahaan Efek
dan Lembaga Jasa
Keuangan Lainnya
Claims to Securities
Companies and Other
Financial Services
Institutions
7 Tagihan berupa Surat 48.839 - - - - - - 48.839
Berharga/Piutang
Subordinasi, Ekuitas,
dan Instrumen Modal
Lainnya
Claims in the form
of Securities/
Subordinated
Receivables, Equity
and Other Capital
Instruments
8 Kredit Beragun Properti - - - - - - - -
Rumah Tinggal
Residential Property
Secured Loans
9 Kredit Beragun Properti - - - - - - - -
Rumah Komersil
Commercial Home
Property Secured Loans
10 Kredit untuk - - - - - - - -
Pengadaan Tanah,
Pengolahan Tanah, dan
Konstruksi
Land Acquisition,
Land Processing and
Construction Loans
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Good Corporate Governance Sustainability Report Financial Statements
31 Desember 2024 | December 31, 2024
Tagihan Bersih Berdasarkan Wilayah
Net Billing Disclosure by Region
Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(11) (12) (13) (14) (15) (16) (17) (18)
3.335.925 - - - - - - 3.335.925
- - - - - - - -
- - - - - - - -
2.206.350 - - - - - - 2.206.350
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
31 Desember 2025 | December 31, 2025
Kategori Portofolio Tagihan Bersih Berdasarkan Wilayah
No.
Portfolio Category Net Billing Disclosure by Region
Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
11 Kredit Pegawai/ - - - - - - - -
Pensiunan
Employee Loan/Pension
12 Tagihan Kepada Usaha 2.102.260 - - - - - - 2.102.260
Mikro, Usaha Kecil dan
Portofolio Ritel
Claims on Micro and
Small Enterprise and
Retail Portfolio
13 Tagihan kepada 6.751.681 - - - - - - 6.751.681
Korporasi
Claims on Corporate
14 Tagihan yang Telah 188.182 - - - - - - 188.182
Jatuh Tempo
Past Due Claims
15 Aset Lainnya 402.959 - - - - - - 402.959
Other Assets
Total 17.377.930 - - - - - - 17.377.930
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Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
31 Desember 2024 | December 31, 2024
Tagihan Bersih Berdasarkan Wilayah
Net Billing Disclosure by Region
Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(11) (12) (13) (14) (15) (16) (17) (18)
- - - - - - - -
1.210.484 - - - - - - 1.210.484
6.136.935 - - - - - - 6.136.935
153.194 - - - - - - 153.194
451.669 - - - - - - 451.669
13.494.556 - - - - - - 13.494.556
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Risiko Kredit
Credit Risk
CRB: Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank Secara Individu
CRB: Disclosure of Net Claims by Economic Sector - Individual Banks
31 Desember 2025 | December 31, 2025
Tagihan
Tagihan
Berupa Surat
kepada
Berharga/
Tagihan Perusahaan
Piutang
Kepada Bank Efek dan
Subordinasi,
Pembangunan Lembaga
Tagihan Ekuitas dan
Sektor Multilateral Tagihan Jasa
Tagihan Kepada Intrumen
Ekonomi dan Lembaga Tagihan Berupa Keuangan
No. Kepada Entitas Sektor Modal
Economic Internasional Kepada Bank Covered lainnya
Pemerintah Publik Lainnya
Sector Due to Receivables Bond Receivables
Receivables to Receivables Receivables
Multilateral from Banks Covered Bond from
Government from Public in the Form
Development Receivables Securities
Sector Entities of Securities/
Banks and Companies
Subordinated
International and other
Debt, Equity
Institutions Financial
and Other
Services
Capital
Institutions
Instruments
(1) (2) (3) (4) (5) (6) (7) (8) (9)
1 Pertanian, - - - - - - -
Kehutanan dan
Perikanan
Agriculture,
Forestry and
Fisheries
2 Pertambangan - - - - - - -
dan Penggalian
Mining and
Quarrying
3 Industri - - - - - - -
Pengolahan
Manufacturing
Industry
4 Pengadaan - - - - - - -
Listrik, Gas,
Uap/Air Panas,
Udara Dingin
Procurement
of Electricity,
Gas, Steam/Hot
Water, Cold Air
5 Pengelola Air, - - - - - - -
Limbah, Daur
Ulang Sampah
Water, Waste,
Recycling
Management
6 Konstruksi - - - - - - -
Construction
7 Perdagangan, - - - - - - -
Reparasi, Rawat
Mobil & Motor
Trade, Repair,
Maintenance
of Cars &
Motorcycles
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Good Corporate Governance Sustainability Report Financial Statements
Kredit untuk Tagihan
Pengadaan Kepada Usaha
Kredit Tanah, Mikro, Usaha
Kredit Kredit
Beragun Pengolahaan Kecil dan Tagihan Tagihan yang
Beragun Pegawai/
Properti Tanah dan Portofolio kepada Telah Jatuh
Rumah Pensiunan Aset Lainnya
Komersial Konstruksi Ritel Korporasi Tempo
Tinggal Employee/ Other Assets
Commercial Loans for Land Receivables Receivables to Past Due
Residential Pensioner
Property Acquisition, from Micro Corporations Receivables
Mortgage Loans
Backed Loans Land Business, Small
Cultivation and Business and
Construction Retail Portfolio
(10) (11) (12) (13) (14) (15) (16) (17)
dalam jutaan Rupiah | In million Rupiah
- - - - - 419.441 - -
- - - - - 1.095.632 - -
- - - - - 1.892.253 - -
- - - - - 906.355 - -
- - - - - - - -
- - - - - - - -
- - - - - 468.649 - -
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
31 Desember 2025 | December 31, 2025
Tagihan
Tagihan
Berupa Surat
kepada
Berharga/
Tagihan Perusahaan
Piutang
Kepada Bank Efek dan
Subordinasi,
Pembangunan Lembaga
Tagihan Ekuitas dan
Sektor Multilateral Tagihan Jasa
Tagihan Kepada Intrumen
Ekonomi dan Lembaga Tagihan Berupa Keuangan
No. Kepada Entitas Sektor Modal
Economic Internasional Kepada Bank Covered lainnya
Pemerintah Publik Lainnya
Sector Due to Receivables Bond Receivables
Receivables to Receivables Receivables
Multilateral from Banks Covered Bond from
Government from Public in the Form
Development Receivables Securities
Sector Entities of Securities/
Banks and Companies
Subordinated
International and other
Debt, Equity
Institutions Financial
and Other
Services
Capital
Institutions
Instruments
(1) (2) (3) (4) (5) (6) (7) (8) (9)
8 Pengangkutan - - - - - - -
dan
Pergudangan
Transportation
and
Warehousing
9 Penyediaan - - - - - - -
Akomodasi,
Makan dan
Minum
Provision of
Accommodation,
Food and Drink
10 Informasi dan - - - - - - -
Komunikasi
Information and
Communication
11 Aktivitas - - - - - - -
Keuangan dan
Asuransi
Financial and
Insurance
Activities
12 Real Estat - - - - - - -
Real Estate
13 Aktivitas - - - - - - -
Profesional,
Ilmiah dan
Teknis
Professional,
Scientific and
Technical
Activities
14 Penyewaan, - - - - - - -
Tenaga
Kerja, Agen
Perjalanan
Rental, Labor,
Travel Agency
15 Admin - - - - - - -
Pemerintahan,
Pertahanan,
Jam-Sos
Admin
Government,
Defense, Jam-
Sos
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Good Corporate Governance Sustainability Report Financial Statements
Kredit untuk Tagihan
Pengadaan Kepada Usaha
Kredit Tanah, Mikro, Usaha
Kredit Kredit
Beragun Pengolahaan Kecil dan Tagihan Tagihan yang
Beragun Pegawai/
Properti Tanah dan Portofolio kepada Telah Jatuh
Rumah Pensiunan Aset Lainnya
Komersial Konstruksi Ritel Korporasi Tempo
Tinggal Employee/ Other Assets
Commercial Loans for Land Receivables Receivables to Past Due
Residential Pensioner
Property Acquisition, from Micro Corporations Receivables
Mortgage Loans
Backed Loans Land Business, Small
Cultivation and Business and
Construction Retail Portfolio
(10) (11) (12) (13) (14) (15) (16) (17)
dalam jutaan Rupiah | In million Rupiah
- - - - - - - -
- - - - - - - -
- - - - - 1.480.393 - -
- - - - - 459.611 - -
- - - - - - - -
- - - - - 275.483 - -
- - - - - - - -
- - - - - - - -
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239 Performa 2025 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance 2025 Management Reports Company Profile Management Discussion and Analysis
31 Desember 2025 | December 31, 2025
Tagihan
Tagihan
Berupa Surat
kepada
Berharga/
Tagihan Perusahaan
Piutang
Kepada Bank Efek dan
Subordinasi,
Pembangunan Lembaga
Tagihan Ekuitas dan
Sektor Multilateral Tagihan Jasa
Tagihan Kepada Intrumen
Ekonomi dan Lembaga Tagihan Berupa Keuangan
No. Kepada Entitas Sektor Modal
Economic Internasional Kepada Bank Covered lainnya
Pemerintah Publik Lainnya
Sector Due to Receivables Bond Receivables
Receivables to Receivables Receivables
Multilateral from Banks Covered Bond from
Government from Public in the Form
Development Receivables Securities
Sector Entities of Securities/
Banks and Companies
Subordinated
International and other
Debt, Equity
Institutions Financial
and Other
Services
Capital
Institutions
Instruments
(1) (2) (3) (4) (5) (6) (7) (8) (9)
16 Pendidikan - - - - - - -
Education
17 Aktivitas - - - - - - -
Kesehatan
Manusia dan
Sosial
Human Health
and Social
Activities
18 Kesenian, - - - - - - -
Hiburan dan
Rekreasi
Arts,
Entertainment
and Recreation
19 Aktivitas Jasa - - - - - - -
Lainnya
Other Service
Activities
20 Aktivitas RT - - - - - - -
Pemberi Kerja,
Barang-Jasa
Employer
Household
Activities,
Goods and
Services
21 Aktivitas Badan - - - - - - -
Internasional,
Ekstra Lain
International
Agency
Activities, Other
Extras
22 Rumah Tangga - - - - - - -
Household
23 Bukan - - - - - - -
Lapangan
Usaha Lainnya
Other Non-
Business Fields
24 Lainnya - - - - - - -
Others
Total - - - - - - -
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Page 243
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Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
Kredit untuk Tagihan
Pengadaan Kepada Usaha
Kredit Tanah, Mikro, Usaha
Kredit Kredit
Beragun Pengolahaan Kecil dan Tagihan Tagihan yang
Beragun Pegawai/
Properti Tanah dan Portofolio kepada Telah Jatuh
Rumah Pensiunan Aset Lainnya
Komersial Konstruksi Ritel Korporasi Tempo
Tinggal Employee/ Other Assets
Commercial Loans for Land Receivables Receivables to Past Due
Residential Pensioner
Property Acquisition, from Micro Corporations Receivables
Mortgage Loans
Backed Loans Land Business, Small
Cultivation and Business and
Construction Retail Portfolio
(10) (11) (12) (13) (14) (15) (16) (17)
dalam jutaan Rupiah | In million Rupiah
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - -
- - - - - - - -
- - - - - -
- - - - 1.851.836 - 188.182 -
- - - - - - - -
- - - - - - - -
- - - - 1.851.836 6.997.817 188.182 -
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
31 Desember 2024 | December 31, 2024
Tagihan
Tagihan
Berupa Surat
kepada
Berharga/
Tagihan Perusahaan
Piutang
Kepada Bank Efek dan
Subordinasi,
Pembangunan Lembaga
Tagihan Ekuitas dan
Sektor Multilateral Tagihan Jasa
Tagihan Kepada Intrumen
Ekonomi dan Lembaga Tagihan Berupa Keuangan
No. Kepada Entitas Sektor Modal
Economic Internasional Kepada Bank Covered lainnya
Pemerintah Publik Lainnya
Sector Due to Receivables Bond Receivables
Receivables to Receivables Receivables
Multilateral from Banks Covered Bond from
Government from Public in the Form
Development Receivables Securities
Sector Entities of Securities/
Banks and Companies
Subordinated
International and other
Debt, Equity
Institutions Financial
and Other
Services
Capital
Institutions
Instruments
(18) (19) (20) (21) (22) (623) (24) (25) (26)
1 Pertanian,
Kehutanan dan
Perikanan
Agriculture,
Forestry and
Fisheries
2 Pertambangan
dan Penggalian
Mining and
Quarrying
3 Industri
Pengolahan
Manufacturing
Industry
4 Pengadaan
Listrik, Gas,
Uap/Air Panas,
Udara Dingin
Procurement
of Electricity,
Gas, Steam/Hot
Water, Cold Air
5 Pengelola Air,
Limbah, Daur
Ulang Sampah
Water, Waste,
Recycling
Management
6 Konstruksi
Construction
7 Perdagangan,
Reparasi, Rawat
Mobil & Motor
Trade, Repair,
Maintenance
of Cars &
Motorcycles
8 Pengangkutan
dan
Pergudangan
Transportation
and
Warehousing
Laporan Tahunan & Laporan Keberlanjutan ● 2025 PT ALLO BANK INDONESIA TBK
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242
Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
Kredit untuk Tagihan
Pengadaan Kepada Usaha
Kredit Tanah, Mikro, Usaha
Kredit Kredit
Beragun Pengolahaan Kecil dan Tagihan Tagihan yang
Beragun Pegawai/
Properti Tanah dan Portofolio kepada Telah Jatuh
Rumah Pensiunan Aset Lainnya
Komersial Konstruksi Ritel Korporasi Tempo
Tinggal Employee/ Other Assets
Commercial Loans for Land Receivables Receivables to Past Due
Residential Pensioner
Property Acquisition, from Micro Corporations Receivables
Mortgage Loans
Backed Loans Land Business, Small
Cultivation and Business and
Construction Retail Portfolio
(27) (28) (29) (30) (31) (32) (33) (34)
dalam jutaan Rupiah | In million Rupiah
328.962
291.987
1.451.538
27.365
160
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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243 Performa 2025 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance 2025 Management Reports Company Profile Management Discussion and Analysis
31 Desember 2024 | December 31, 2024
Tagihan
Tagihan
Berupa Surat
kepada
Berharga/
Tagihan Perusahaan
Piutang
Kepada Bank Efek dan
Subordinasi,
Pembangunan Lembaga
Tagihan Ekuitas dan
Sektor Multilateral Tagihan Jasa
Tagihan Kepada Intrumen
Ekonomi dan Lembaga Tagihan Berupa Keuangan
No. Kepada Entitas Sektor Modal
Economic Internasional Kepada Bank Covered lainnya
Pemerintah Publik Lainnya
Sector Due to Receivables Bond Receivables
Receivables to Receivables Receivables
Multilateral from Banks Covered Bond from
Government from Public in the Form
Development Receivables Securities
Sector Entities of Securities/
Banks and Companies
Subordinated
International and other
Debt, Equity
Institutions Financial
and Other
Services
Capital
Institutions
Instruments
(18) (19) (20) (21) (22) (623) (24) (25) (26)
9 Penyediaan
Akomodasi,
Makan dan
Minum
Provision of
Accommodation,
Food and Drink
10 Informasi dan
Komunikasi
Information and
Communication
11 Aktivitas
Keuangan dan
Asuransi
Financial and
Insurance
Activities
12 Real Estat
Real Estate
13 Aktivitas
Profesional,
Ilmiah dan
Teknis
Professional,
Scientific and
Technical
Activities
14 Penyewaan,
Tenaga
Kerja, Agen
Perjalanan
Rental, Labor,
Travel Agency
15 Admin
Pemerintahan,
Pertahanan,
Jam-Sos
Admin
Government,
Defense, Jam-
Sos
16 Pendidikan
Education
Laporan Tahunan & Laporan Keberlanjutan ● 2025 PT ALLO BANK INDONESIA TBK
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244
Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
Kredit untuk Tagihan
Pengadaan Kepada Usaha
Kredit Tanah, Mikro, Usaha
Kredit Kredit
Beragun Pengolahaan Kecil dan Tagihan Tagihan yang
Beragun Pegawai/
Properti Tanah dan Portofolio kepada Telah Jatuh
Rumah Pensiunan Aset Lainnya
Komersial Konstruksi Ritel Korporasi Tempo
Tinggal Employee/ Other Assets
Commercial Loans for Land Receivables Receivables to Past Due
Residential Pensioner
Property Acquisition, from Micro Corporations Receivables
Mortgage Loans
Backed Loans Land Business, Small
Cultivation and Business and
Construction Retail Portfolio
(27) (28) (29) (30) (31) (32) (33) (34)
dalam jutaan Rupiah | In million Rupiah
2.719.653
716.396
394.550
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
31 Desember 2024 | December 31, 2024
Tagihan
Tagihan
Berupa Surat
kepada
Berharga/
Tagihan Perusahaan
Piutang
Kepada Bank Efek dan
Subordinasi,
Pembangunan Lembaga
Tagihan Ekuitas dan
Sektor Multilateral Tagihan Jasa
Tagihan Kepada Intrumen
Ekonomi dan Lembaga Tagihan Berupa Keuangan
No. Kepada Entitas Sektor Modal
Economic Internasional Kepada Bank Covered lainnya
Pemerintah Publik Lainnya
Sector Due to Receivables Bond Receivables
Receivables to Receivables Receivables
Multilateral from Banks Covered Bond from
Government from Public in the Form
Development Receivables Securities
Sector Entities of Securities/
Banks and Companies
Subordinated
International and other
Debt, Equity
Institutions Financial
and Other
Services
Capital
Institutions
Instruments
(18) (19) (20) (21) (22) (623) (24) (25) (26)
17 Aktivitas
Kesehatan
Manusia dan
Sosial
Human Health
and Social
Activities
18 Kesenian,
Hiburan dan
Rekreasi
Arts,
Entertainment
and Recreation
19 Aktivitas Jasa
Lainnya
Other Service
Activities
20 Aktivitas RT
Pemberi Kerja,
Barang-Jasa
Employer
Household
Activities,
Goods and
Services
21 Aktivitas Badan
Internasional,
Ekstra Lain
International
Agency
Activities, Other
Extras
22 Rumah Tangga
Household
23 Bukan
Lapangan
Usaha Lainnya
Other Non-
Business Fields
24 Lainnya
Others
Total - - - - - -
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Kredit untuk Tagihan
Pengadaan Kepada Usaha
Kredit Tanah, Mikro, Usaha
Kredit Kredit
Beragun Pengolahaan Kecil dan Tagihan Tagihan yang
Beragun Pegawai/
Properti Tanah dan Portofolio kepada Telah Jatuh
Rumah Pensiunan Aset Lainnya
Komersial Konstruksi Ritel Korporasi Tempo
Tinggal Employee/ Other Assets
Commercial Loans for Land Receivables Receivables to Past Due
Residential Pensioner
Property Acquisition, from Micro Corporations Receivables
Mortgage Loans
Backed Loans Land Business, Small
Cultivation and Business and
Construction Retail Portfolio
(27) (28) (29) (30) (31) (32) (33) (34)
dalam jutaan Rupiah | In million Rupiah
1.210.324 200.161 164.150
- - - - 1.210.483 6.130.612 164.150 -
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Risiko Kredit
Credit Risk
CRB: Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank Secara Individu
CRB: Disclosure of Net Claims Based on Remaining Contract Term - Individual Banks
31 Desember 2025 | December 31, 2025
Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Net Billing Disclosures Based on Remaining Contract Period
Kategori Portofolio
No.
Portfolio Category > 1 thn s.d. 3 > 3 thn s.d.
≤ 1 tahun thn 5 thn > 5 thn Non-
year > 1 yrs s.d. 3 > 3 yrs s.d. yrs Contractual
yrs 5 yrs
(1) (2) (3) (4) (5) (6) (7)
1 Tagihan kepada Pemerintah 1.725.572 - 518.281 4.556.386 -
Claims on Sovereign
2 Tagihan kepada Entitas Sektor Publik - - - - -
Claims on Public Sector Entity
3 Tagihan kepada Bank Pembangunan - - - - -
Multilateral dan Lembaga
Internasional
Claims on Multilateral Development
Banks and International Institutions
4 Tagihan kepada Bank 450.050 - - - 161.972
Claims on Banks
5 Tagihan berupa Covered Bond - - - - -
Covered Bond Claims
6 Tagihan kepada Perusahaan Efek dan - - - - -
Lembaga Jasa Keuangan Lainnya
Claims to Securities Companies and
Other Financial Services Institutions
7 Tagihan berupa Surat Berharga/ - - 48.839 - -
Piutang Subordinasi, Ekuitas, dan
Instrumen Modal Lainnya
Claims in the form of Securities/
Subordinated Receivables, Equity and
Other Capital Instruments
8 Kredit Beragun Properti Rumah Tinggal - - - - -
Residential Property Secured Loans
9 Kredit Beragun Properti Komersial - - - - -
Commercial Property Secured Loans
10 Kredit untuk Pengadaan Tanah, - - - - -
Pengolahan Tanah, dan Konstruksi
Land Acquisition, Land Processing
and Construction Loans
11 Kredit Pegawai/Pensiunan - - - - -
Employee Loan/Pension
12 Tagihan kepada Usaha Mikro, Usaha 1.851.773 64 - - -
Kecil, dan Portofolio Ritel/Tagihan
Kepada Usaha Mikro, Usaha Kecil dan
Portofolio Ritel
Claims on Micro and Small Enterprise
and Retail Portfolio
13 Tagihan kepada Korporasi 1.371.598 1.552.430 704.214 3.369.640 -
Claims on Corporate
14 Tagihan yang Telah Jatuh Tempo 188.182 - - - -
Past Due Claims
15 Aset Lainnya - - - - 402.959
Other Assets
Total 5.587.174 1.552.493 1.271.334 7.926.026 564.930
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Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Net Receivables Based on Remaining Contractual Term
> 1 thn s.d. > 3 thn s.d.
≤ 1 tahun > 5 thn Non-
Total 3 thn 5 thn Total
year yrs Contractual
> 1 yrs s.d. 3 yrs > 3 yrs s.d. 5 yrs
(8) (9) (10) (11) (12) (13) (14)
dalam jutaan Rupiah | In million Rupiah
6.800.239 2.264.310 - - 802.569 269.046 3.335.925
- - - - - - -
- - - - - - -
612.022 2.150.366 - - - 55.983 2.206.350
- - - - - - -
- - - - - - -
48.839 - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
1.851.836 1.210.396 87 - - 1.210.483
6.997.881 901.852 3.432.726 767.562 1.028.472 - 6.130.612
188.182 164.150 - - - - 164.150
402.959 - - - - 451.669 451.669
16.901.958 6.691.075 3.432.726 767.649 1.831.041 776.699 13.499.189
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Risiko Kredit
Credit Risk
CRB: Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank Secara Individu
CRB: Disclosure of Claims and Provisions by Region - Individual Banks
31 Desember 2025 | December 31, 2025
Keterangan
No. Wilayah | Area
Description
Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin
(1) (2) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan 16.786.789 - - - - - -
Claims
2 Tagihan yang 318.690 - - - - - -
mengalami
penurunan nilai
Impairment losses
on Receivables
a. Belum jatuh - - - - - - -
tempo
Current
b. Telah jatuh 318.690 - - - - - -
tempo
Due date
3 Cadangan 27.220 - - - - - -
kerugian
penurunan nilai
(CKPN) - Stage 1
Reserve for
impairment losses
(CKPN) - Stage 1
4 Cadangan 36.256 - - - - - -
kerugian
penurunan nilai
(CKPN) - Stage 2
Reserve for
impairment losses
(CKPN) - Stage 2
5 Cadangan 94.252 - - - - - -
kerugian
penurunan nilai
(CKPN) - Stage 3
Reserve for
impairment losses
(CKPN) - Stage 3
6 Tagihan yang 376.081 - - - - - -
dihapus buku
Write-off
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Wilayah | Area
Total Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(11) (12) (13) (14) (15) (16) (17) (18) (20)
dalam jutaan Rupiah | In million Rupiah
16.786.789 12.889.693 - - - - - - 12.889.693
318.690 153.194 - - - - - - 153.194
- - - - - - - - -
318.690 153.194 - - - - - - 153.194
27.220 61.676 - - - - - - 61.676
36.256 18.397 - - - - - - 18.397
94.252 24.411 - - - - - - 24.411
376.081 99.412 - - - - - - 99.412
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Risiko Kredit
Credit Risk
CRB : Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank Secara Individu
Billing Disclosure and Reservation Based on Economic Sector - Individual Banks
31 Desember 2025 | December 31, 2025
Sektor Ekonomi
No. Tagihan
Economic Sector
Receivables
(1) (2) (3)
31 Desember 2025 | December 31, 2025
1 Pertanian, Kehutanan dan Perikanan 419.441
Agriculture, Forestry and Fisheries
2 Pertambangan dan Penggalian 1.095.632
Mining and excavation
3 Industri Pengolahan 1.892.253
Manufacturing
4 Pengadaan Listrik, Gas, Uap/Air Panas, Udara Dingin 906.355
Procurement of Electricity, Gas, Steam/Hot Water, Cold Air
5 Pengelola Air, Limbah, Daur Ulang Sampah -
Water, Waste, Waste Recycling Management
6 Konstruksi -
Construction
7 Perdagangan, Reparasi, Rawat Mobil & Motor 468.649
Trading, Repair, Car & Motorcycle Maintenance
8 Pengangkutan dan Pergudangan -
Transportation and Warehousing
9 Penyediaan Akomodasi, Makan dan Minum -
Accommodation, food and drink
10 Informasi dan Komunikasi 1.480.393
Information and Communication
11 Aktivitas Keuangan dan Asuransi 459.611
Information and Communication
12 Real Estat -
Real Estate
13 Aktivitas Profesional, Ilmiah dan Teknis 275.483
Professional, Scientific and Technical Activities
14 Penyewaan, Tenaga Kerja, Agen Perjalanan -
Rentals, Labor, Travel Agents
15 Admin Pemerintahan, Pertahanan, Jam-Sos -
Government Admin, Defense, Social Security
16 Pendidikan -
Education
17 Aktivitas Kesehatan Manusia dan Sosial -
Human Health And Social Activities
18 Kesenian, Hiburan dan Rekreasi -
Arts, Entertainment and Recreation
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Tagihan yang Mengalami Cadangan Cadangan Cadangan
Penurunan Nilai Kerugian Kerugian Kerugian
Impairment Losses Penurunan Nilai Penurunan Nilai Penurunan Nilai Tagihan yang
on Receivables (CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3 Dihapus Buku
Belum Jatuh Telah Jatuh Allowance for Allowance for Allowance for Write-off
Tempo Tempo Impairment Losses Impairment Losses Impairment Losses
Current Due date - Stage 1 - Stage 2 - Stage 3
(4) (5) (6) (7) (8) (9)
dalam jutaan Rupiah | In million Rupiah
- - 771 - - -
- - 2.121 - - -
- - 3.535 - - -
- - 1.802 - - -
- - 448 - - -
- - -
- - 1.689 - - -
- - 267 - - -
-
250
- - - - - -
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31 Desember 2025 | December 31, 2025
Sektor Ekonomi
No. Tagihan
Economic Sector
Receivables
(1) (2) (3)
19 Aktivitas Jasa Lainnya -
Other Service Activities
20 Aktivitas RT Pemberi Kerja, Barang-Jasa -
Employer Household Activities, Goods and Services
21 Aktivitas Badan Internasional, Ekstra Lain -
International Agency Activities, Other Extras
22 Rumah Tangga 1.851.836
Household
23 Bukan Lapangan Usaha Lainnya -
Non-Business Fields
24 Lainnya -
Others
Total 8.849.653
31 Desember 2024 | December 31, 2024
Sektor Ekonomi
No. Tagihan
Economic Sector
Receivables
(1) (2) (3)
31 Desember 2025 | December 31, 2025
1 Pertanian, Kehutanan dan Perikanan 328.962
Agriculture, Forestry and Fisheries
2 Pertambangan dan Penggalian 291.987
Mining and excavation
3 Industri Pengolahan 1.451.538
Manufacturing
4 Pengadaan Listrik, Gas, Uap/Air Panas, Udara Dingin 27.365
Procurement of Electricity, Gas, Steam/Hot Water, Cold Air
5 Pengelola Air, Limbah, Daur Ulang Sampah -
Water, Waste, Waste Recycling Management
6 Konstruksi -
Construction
7 Perdagangan, Reparasi, Rawat Mobil & Motor -
Trading, Repair, Car & Motorcycle Maintenance
8 Pengangkutan dan Pergudangan -
Transportation and Warehousing
9 Penyediaan Akomodasi, Makan dan Minum -
Accommodation, food and drink
10 Informasi dan Komunikasi 2.719.653
Information and Communication
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Tagihan yang Mengalami Cadangan Cadangan Cadangan
Penurunan Nilai Kerugian Kerugian Kerugian
Impairment Losses Penurunan Nilai Penurunan Nilai Penurunan Nilai Tagihan yang
on Receivables (CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3 Dihapus Buku
Belum Jatuh Telah Jatuh Allowance for Allowance for Allowance for Write-off
Tempo Tempo Impairment Losses Impairment Losses Impairment Losses
Current Due date - Stage 1 - Stage 2 - Stage 3
(4) (5) (6) (7) (8) (9)
dalam jutaan Rupiah | In million Rupiah
- - - - - -
- 318.690 16.338 36.256 94.252 376.081
- 318.690 27.220 36.256 94.252 376.081
Tagihan yang Mengalami Cadangan Cadangan Cadangan
Penurunan Nilai Kerugian Kerugian Kerugian
Impairment Losses Penurunan Nilai Penurunan Nilai Penurunan Nilai Tagihan yang
on Receivables (CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3 Dihapus Buku
Belum Jatuh Telah Jatuh Allowance for Allowance for Allowance for Write-off
Tempo Tempo Impairment Losses Impairment Losses Impairment Losses
Current Due date - Stage 1 - Stage 2 - Stage 3
(4) (5) (6) (7) (8) (9)
dalam jutaan Rupiah | In million Rupiah
- - 2.651 - - -
- - 1.354 - - -
- - 10.585 - - -
- - 186 - - -
- - - - - -
- - -
- - 23.035 - - -
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31 Desember 2024 | December 31, 2024
Sektor Ekonomi
No. Tagihan
Economic Sector
Receivables
(1) (2) (3)
11 Aktivitas Keuangan Dan Asuransi 716.396
Information and Communication
12 Real Estat 394.550
Real Estate
13 Aktivitas Profesional, Ilmiah dan Teknis -
Professional, Scientific and Technical Activities
14 Penyewaan, Tenaga Kerja, Agen Perjalanan -
Rentals, Labor, Travel Agents
15 Admin Pemerintahan, Pertahanan, Jam-Sos -
Government Admin, Defense, Social Security
16 Pendidikan -
Education
17 Aktivitas Kesehatan Manusia Dan Sosial -
Human Health And Social Activities
18 Kesenian, Hiburan Dan Rekreasi -
Arts, Entertainment and Recreation
19 Aktivitas Jasa Lainnya
Other Service Activities
20 Aktivitas RT Pemberi Kerja, Barang-Jasa -
Employer Household Activities, Goods and Services
21 Aktivitas Badan Internasional, Ekstra Lain -
International Agency Activities, Other Extras
22 Rumah Tangga 1.210.324
Household
23 Bukan Lapangan Usaha Lainnya -
Non-Business Fields
24 Lainnya -
Others
Total 7.140.774
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Tagihan yang Mengalami Cadangan Cadangan Cadangan
Penurunan Nilai Kerugian Kerugian Kerugian
Impairment Losses Penurunan Nilai Penurunan Nilai Penurunan Nilai Tagihan yang
on Receivables (CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3 Dihapus Buku
Belum Jatuh Telah Jatuh Allowance for Allowance for Allowance for Write-off
Tempo Tempo Impairment Losses Impairment Losses Impairment Losses
Current Due date - Stage 1 - Stage 2 - Stage 3
(4) (5) (6) (7) (8) (9)
dalam jutaan Rupiah | In million Rupiah
- - 5.189 - - -
2.823
- - - - - -
- - - - - -
- 153.194 14.413 18.397 24.411 99.412
- 153.194 60.236 18.397 24.411 99.412
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Risiko Kredit
Credit Risk
CRB: Pengungkapan Tagihan Berdasarkan Hari Tunggakan - Bank Secara Individu
CRB: Disclosure of Bills Based on Days of Overdue - Individual Banks
31 Desember 2025 | December 31, 2025 31 Desember 2024 | December 31, 2024
Tagihan Berdasarkan Hari Tunggakan Tagihan Berdasarkan Hari Tunggakan
Receivables Based on Days Overdue Receivables Based on Days Overdue
Jenis Eksposur >90 hari >120 >90 hari >120
No.
Types of Exposure s.d. 120 hari s.d. s.d. 120 hari s.d.
>180 >180
hari 180 hari hari 180 hari
hari Total hari Total
>90 days >120 >90 days >120
days days
until 120 days until until 120 days until
days 180 days days 180 days
a b c d e f g h i j
1 Kredit yang termasuk 51.802 88.151 9.558 149.510 20.085 29.766 11.054 60.904
dalam Tagihan yang Telah
Jatuh Tempo
Loans included in Past Due
Claims
2 Surat Berharga yang - - - - - - - -
termasuk dalam Tagihan
yang Telah Jatuh Tempo
Securities included in Past
Due Claims
Total 51.802 88.151 9.558 149.510 20.085 29.766 11.054 60.904
Risiko Kredit
Credit Risk
CRB-A: Pengungkapan Tambahan Terkait Perlakuan terhadap Aset Bermasalah
CRB-A: Additional Disclosures Regarding Treatment of Non-Performing Assets
1. Definisi dan Klasifikasi Aset Bermasalah (Non- 1. Definition and Classification of Non-Performing Assets
Performing Assets)
Dalam kerangka manajemen risiko kredit, Allo Bank Within its loan risk management framework, Allo Bank
mengklasifikasikan aset keuangan ke dalam kategori classifies financial assets as "Non-Performing" if they meet
"Bermasalah" atau Non-Performing apabila aset tersebut the criteria for defaulting. The Bank defines a default when a
memenuhi kriteria default atau gagal bayar. Bank debtor is more than 90 (ninety) days past due on a material
menetapkan definisi default ketika debitur telah melewati credit obligation.
jatuh tempo pembayaran pokok dan/atau bunga lebih
dari 90 (sembilan puluh) hari atas kewajiban kredit yang
material.
Aset yang dikategorikan sebagai Non-Performing Assets categorized as Non-Performing are classified into
diklasifikasikan ke dalam Stage 3 (Eksposur yang Mengalami Stage 3 (Loan-Impaired Exposures), wherein the provision
Penurunan Nilai Kredit), di mana pembentukan Cadangan for impairment losses (CKPN) is based on the estimated
Kerugian Penurunan Nilai (CKPN) dilakukan berdasarkan expected loan losses over the life of the asset (Lifetime
estimasi kerugian kredit ekspektasian sepanjang umur aset Expected Loan Loss).
(Lifetime Expected Credit Loss).
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2. Kebijakan dan Status Restrukturisasi Kredit 2. Loan Restructuring Policy and Status
Kebijakan restrukturisasi kredit Bank mencakup modifikasi The Bank's loan restructuring policy includes modifying
persyaratan kredit, konversi kredit menjadi instrumen lain, loan terms, converting loan into other instruments, or
atau kombinasi keduanya, yang diberikan kepada debitur a combination of both. These are granted to debtors
yang mengalami kesulitan keuangan namun masih memiliki experiencing financial difficulties but still with good business
prospek usaha yang baik. Kerugian yang timbul dari prospects. Losses arising from restructuring are recognized
restrukturisasi diakui apabila nilai tunai penerimaan kas if the present value of future cash receipts is less than the
masa depan lebih kecil dari nilai tercatat kredit sebelum carrying amount of the loan before restructuring.
restrukturisasi.
Berdasarkan data posisi per 31 Desember 2025, Based on data as of 31 December, 2025, the Bank has
Bank mencatatkan bahwa tidak terdapat kredit yang recorded no restructured loans during the year in either its
direstrukturisasi pada tahun berjalan, baik untuk segmen corporate or retail segments. This indicates that the Bank's
korporasi maupun ritel. Hal ini mengindikasikan bahwa loan portfolio was managed without requiring modifications
portofolio kredit Bank dikelola tanpa memerlukan modifikasi to contractual terms resulting from a significant decline in
persyaratan kontrak akibat penurunan kemampuan bayar debtors' repayment capacity during the reporting period.
debitur secara signifikan pada periode pelaporan.
3. Kebijakan Penghapusbukuan (Write-Off) 3. Write-Off Policy
Bank menerapkan kebijakan hapus buku (write-off) terhadap The Bank implements a write-off policy for loans deemed
kredit yang dinilai tidak memiliki prospek pemulihan to have no realistic prospect of recovery after all collection
yang realistis setelah seluruh upaya penagihan dilakukan efforts have been exhausted or the normal relationship with
atau hubungan normal dengan debitur telah berakhir. the debtor has ended. Write-offs are conducted by debiting
Penghapusbukuan dilakukan dengan mendebit akun the Bank's previously established allowance for impairment
cadangan kerugian penurunan nilai yang telah dibentuk losses account.
sebelumnya.
Sepanjang tahun 2025, Bank telah melakukan Throughout 2025, the Bank wrote off Rp376.08 billion in
penghapusbukuan kredit sebesar Rp376,08 miliar. loans. Although the loans have been written off from its
Meskipun kredit telah dihapusbukukan dari neraca (on- balance sheet, the Bank continued to undertake collection
balance sheet), Bank tetap melakukan upaya penagihan and recovery efforts, with the recovery of written-off loans
dan pemulihan, di mana penerimaan kembali (recovery) recorded as an adjustment to the allowance for impairment
atas kredit yang telah dihapusbukukan akan dicatat losses account or other operating income.
sebagai penyesuaian pada akun cadangan kerugian atau
pendapatan operasional lainnya.
4. Analisis Eksposur Aset Bermasalah 4. Analysis of Non-Performing Asset Exposure
Mengacu pada data Tabel CRB-A per 31 Desember The Bank's total gross carrying value of loans categorized
2025, total nilai tercatat bruto untuk kredit yang masuk as Non-Performing (Substandard, Doubtful, and Loss) was
dalam kategori Non-Performing (Kualitas Kurang Lancar, Rp149.5 billion. This number was taken with reference
Diragukan, dan Macet) adalah sebesar Rp149,5 miliar. to Table CRB-A data as of 31 December, 2025. For
Terhadap eksposur tersebut, Bank telah membentuk CKPN this exposure, the Bank has provided Rp94.2 billion in
sebesar Rp94,2 miliar. allowances for impairment losses.
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Risiko Kredit
Credit Risk
CRB-A : Pengungkapan Tambahan Terkait Perlakuan terhadap Aset Bermasalah
CRB-A: Additional Disclosures Regarding Treatment of Non-Performing Assets
Performing (Kualitas L dan DPK)
Performing (L and DPK Quality)
Nilai Tercatat Bruto
CKPN
Gross Carrying Amount
a b
1 Surat Berharga 6.742.969 -
Securities
2 Kredit 8.991.221 63.476
Loans
a. Korporasi 6.733.727 10.882
Corporate
b. Ritel 2.257.494 52.594
Retail
3 Transaksi Rekening Administratif - -
Administrative Account Transactions
Risiko Kredit
Credit Risk
CRB-A: Pengungkapan Aset Restrukturisasi Performing dan Non-Performing
CRB-A: Disclosure of Performing and Non-Performing Restructuring Assets
Performing (Kualitas L dan DPK) Non Performing (Kualitas KL, D, M)
Performing (L and DPK Quality) Non Performing (KL, D, M quality)
Nilai Tercatat Bruto Nilai Tercatat Bruto
Gross Carrying CKPN Gross Carrying CKPN
Amount Amount
a b c d
1 Surat Berharga 6.742.969 - - -
Securities
2 Kredit 8.991.221 63.476 149.510 94.252
Loans
a. Korporasi 6.733.727 10.882 - -
Corporate
b. Ritel 2.257.494 52.594 149.510 94.252
Retail
3 Transaksi Rekening Administratif - - - -
Administrative Account Transactions
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Non Performing
Tagihan yang Tidak Mengalami Penurunan Nilai
Tagihan yang Mengalami Claims That are Not Impaired in Value
Penurunan Nilai
Impairment losses on Receivables Memiliki Tunggakan >90 Hari Memiliki Tunggakan >90 Hari
Have >90 Days in Arrears Have >90 Days in Arrears
Nilai Tercatat Nilai Tercatat Nilai Tercatat
Bruto Bruto Bruto
CKPN CKPN CKPN
Gross Carrying Gross Carrying Gross Carrying
Amount Amount Amount
c d e f g h
- - - - - -
149.510 94.252 - - - -
- - - - - -
149.510 94.252 - - - -
- - - - - -
Stage 1 Stage 2 Stage 3
Nilai Tercatat Nilai Tercatat Nilai Tercatat
Bruto Bruto Bruto
CKPN CKPN CKPN
Gross Carrying Gross Carrying Gross Carrying
Amount Amount Amount
e f g h i j
- - - - - -
8.822.041 27.220 169.180 36.256 149.510 94.252
6.733.727 10.882 - - - -
2.088.314 16.338 169.180 36.256 149.510 94.252
- - - - - -
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Risiko Kredit
Credit Risk
CRC: Pengungkapan Kualitatif Terkait Teknik MRK
CRC: Qualitative Disclosures Related to MRK Techniques
1. Kebijakan Umum Mitigasi Risiko Kredit 1. General Loan Risk Mitigation Policy
Dalam rangka mengelola profil risiko yang sehat, Allo Bank To maintain a healthy risk profile, Allo Bank implements
menerapkan teknik Mitigasi Risiko Kredit (MRK) sebagai various Loan Risk Mitigation (MRK) techniques as an
bagian integral dari strategi manajemen risiko Bank. integral part of its risk management strategy. These MRK
Penerapan teknik MRK bertujuan untuk meminimalkan techniques are designed to minimize potential losses due
potensi kerugian akibat kegagalan debitur atau pihak lawan to debtor or counterparty failure to fulfill their obligations,
(counterparty) dalam memenuhi kewajibannya, serta untuk as well as to more efficiently calculate Loan Risk Weighted
perhitungan Aset Tertimbang Menurut Risiko (ATMR) Risiko Assets (RWA) in accordance with regulatory requirements.
Kredit yang lebih efisien sesuai ketentuan regulator.
Kebijakan Bank dalam penggunaan teknik MRK mencakup The Bank's policy on its use of MRK techniques includes
proses identifikasi, pengukuran, pemantauan, dan its identification, measurement, monitoring, and control of
pengendalian terhadap efektivitas agunan atau penjaminan the effectiveness of collateral or guarantees it has received.
yang diterima. Bank memastikan bahwa seluruh instrumen The Bank ensures that all risk mitigation instruments it uses
mitigasi risiko yang digunakan telah memenuhi aspek meet legal requirements for effective execution, all while
legalitas agar dapat dieksekusi secara efektif, dengan prioritizing the principle of prudence in their management.
tetap mengedepankan prinsip kehati-hatian dalam setiap
pengelolaannya.
2. Agunan Finansial yang Diakui (Eligible Financial 2. Eligible Financial Collateral
Collateral)
Bank mengakui agunan finansial sebagai faktor pengurang The Bank recognizes financial collateral as a deduction in
dalam perhitungan ATMR Risiko Kredit apabila agunan its calculation of Loan Risk RWA if it meets the criteria for
tersebut memenuhi kriteria sebagai agunan yang eligible collateral in accordance with applicable Financial
diperkenankan (eligible collateral) sesuai dengan peraturan Services Authority (OJK) regulations.
Otoritas Jasa Keuangan (OJK) yang berlaku.
Berdasarkan posisi per 31 Desember 2025, tagihan Based on its position as of 31 December, 2025, all
yang dijamin dengan teknik MRK pada portofolio Bank receivables secured by the Bank's MRK technique in its
bersumber dari kredit dengan jaminan berupa Simpanan portfolio originate from loans secured by Time Deposits.
Berjangka (Deposito). Penggunaan agunan tunai (cash The Bank's use of cash collateral in the form of deposits
collateral) berupa deposito ini memberikan kepastian provides high certainty of recovery and adequate liquidity
pemulihan yang tinggi dan likuiditas yang memadai apabila in the event of a debtor default.
terjadi kondisi gagal bayar (default) pada debitur.
3. Pengelolaan dan Penilaian Instrumen Mitigasi Risiko 3. Management and Assessment of Loan Risk Mitigation
Kredit Instruments
Sebagai bagian dari penerapan prinsip kehati-hatian, Bank As part of its implementation of prudential principles,
menetapkan kerangka kerja pengelolaan agunan yang the Bank has established a comprehensive collateral
komprehensif untuk memastikan efektivitas instrumen management framework to ensure the effectiveness of its
Mitigasi Risiko Kredit (MRK). Bank mengelola seluruh jenis Loan Risk Mitigation (MRK) instruments. The Bank manages
agunan melalui pendekatan yang terstandarisasi dengan all types of collateral through a standardized approach by
fokus pada pilar-pilar sebagai berikut: focusing on the following pillars:
• Aspek Legalitas dan Pengikatan Agunan: Bank • Legality and Collateral Binding: The Bank consistently
senantiasa memastikan bahwa setiap instrumen ensures that each risk mitigation instrument has a strong
mitigasi risiko memiliki dasar hukum yang kuat melalui legal basis through a valid and complete collateral
proses pengikatan agunan yang sah dan sempurna. Hal binding process. This is done to ensure legal certainty
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ini dilakukan untuk menjamin kepastian hukum serta and to provide the Bank with priority rights in effectively
memberikan hak prioritas bagi Bank dalam melakukan executing or liquidating assets to recover loan exposure
eksekusi atau likuidasi aset secara efektif guna in the event of a default.
memulihkan eksposur kredit apabila terjadi kondisi
wanprestasi.
• Pemantauan dan Penilaian Berkelanjutan: Bank • Continuous Monitoring and Assessment: The Bank
melakukan evaluasi dan pemantauan nilai wajar agunan periodically evaluates and monitors the fair value of
secara berkala untuk memastikan kecukupan rasio collateral to ensure the adequacy of the collateral
penutupan agunan (collateral coverage ratio) sepanjang coverage ratio throughout the loan term. The
masa tenor kredit. Proses penilaian dilakukan dengan assessment process is conducted in accordance with
merujuk pada standar penilaian yang berlaku guna applicable valuation standards to mitigate the risk
memitigasi risiko penurunan nilai aset serta memastikan of asset impairment and ensure that risk mitigation
bahwa mitigasi risiko tetap relevan dengan kondisi remains relevant to market conditions.
pasar.
• Integritas Administrasi dan Pengamanan Agunan: Bank • Administrative Integrity and Collateral Security: The
menerapkan sistem administrasi dan penyimpanan Bank implements a secure and centralized collateral
dokumen agunan yang aman dan terpusat. Hal ini document administration and storage system. This aims
bertujuan untuk menjaga integritas aset, mencegah to maintain asset integrity, prevent double pledging and
terjadinya penggunaan ganda (double pledging), serta to ensure that the transfer or release of collateral rights
memastikan bahwa pengalihan atau pelepasan hak can only be carried out through strict authorization
atas agunan hanya dapat dilakukan melalui prosedur procedures in accordance with the Bank's internal
otorisasi yang ketat sesuai dengan kebijakan internal policies.
Bank.
4. Analisis Konsentrasi Risiko Kredit Terkait Mitigasi Risiko 4. Analysis of Loan Risk Concentration Related to Loan
Kredit (MRK) Risk Mitigation (MRK)
Dalam mengelola konsentrasi risiko kredit, Bank In managing loan risk concentration, the Bank consistently
senantiasa mengedepankan prinsip kehati-hatian dengan prioritizes the principle of prudence by focusing on its use
memprioritaskan penggunaan instrumen Mitigasi Risiko of Loan Risk Mitigation (MRK) instruments that meet the
Kredit (MRK) yang memenuhi kriteria aset berkualitas tinggi criteria for high-quality assets and have adequate liquidity.
serta memiliki daya likuiditas yang memadai.
Bank menilai bahwa risiko konsentrasi terhadap pihak The Bank has assessed that its concentration risk to
lawan mitigasi (counterparty risk) berada pada tingkat yang counterparty mitigation is minimal. This is because its risk
sangat minimal. Hal ini dikarenakan mitigasi risiko tidak mitigation does not rely on third-party guarantees, but
bergantung pada penjaminan pihak ketiga, melainkan pada rather on cash collateral held entirely by the Bank.
agunan kas yang dikuasai sepenuhnya oleh Bank.
Strategi ini merupakan bagian integral dari kebijakan This strategy serves as an integral part of the Bank's
manajemen risiko Bank yang komprehensif. Melalui comprehensive risk management policy. Through a
pendekatan yang terukur, Bank berkomitmen untuk measured approach, the Bank is committed to maintaining
menjaga stabilitas portofolio kredit serta memastikan loan portfolio stability and ensuring sustainable business
pertumbuhan bisnis yang berkelanjutan melalui penguatan growth by strengthening its risk mitigation structure.
struktur mitigasi risiko.
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Risiko Kredit
Credit Risk
Pengungkapan Kuantitatif Terkait Teknik MRK (CR3)
Quantitative Disclosures Related to MRK Techniques (CR3)
Bank Secara Individu
Bank Individually
Tagihan yang
Dijamin dengan
Tagihan yang
Garansi,
Tidak Dijamin Tagihan yang Tagihan yang
Tagihan yang Penjaminan
dengan Teknik Dijamin dengan Dijamin dengan
Dijamin dengan dan/atau
MRK Teknik MRK Derivatif Kredit
Agunan Asuransi Kredit
Claims Claims Claims Secured
Claims Secured Claims Secured
Unguaranteed Guaranteed with by Credit
by Collateral by Guarantee,
with MRK MRK Techniques Derivatives
Guarantee
Techniques
and/or Credit
Insurance
a b c d e
dalam jutaan Rupiah | In million Rupiah
1 Kredit 8.480.308 341.733 6.983.908 -
Loans
2 Surat Berharga 6.694.544 - - -
Securities
3 Total 15.174.853 341.733 6.983.908 -
4 Kredit dan Surat Berharga 318.690 - - -
yang Telah Jatuh Tempo
Maturity Loans and Securities
Pengungkapan Tambahan
Additional Disclosure
Tagihan yang dijamin dengan Teknik MRK dikontribusi oleh kredit dengan jaminan Simpanan Berjangka (Deposito)
Bills guaranteed by the MRK technique are contributed by credit with Term Deposit collateral.
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Risiko Kredit
Credit Risk
CRD: Pengungkapan Penggunakan Peringkat Kredit Eksternal
CRD: Disclosure of Use of External Credit Ratings
1. Kebijakan Penggunaan Peringkat Kredit Eksternal 1. External Loan Rating Policy
Dalam rangka perhitungan Aset Tertimbang Menurut Risiko To calculate Risk-Weighted Assets (RWA) for any Loan Risks
(ATMR) untuk Risiko Kredit dengan Pendekatan Standar, using a Standardized Approach, Allo Bank uses ratings
Allo Bank menggunakan peringkat yang diterbitkan oleh issued by recognized External Loan Assessment Institutions
Lembaga Pemeringkat Eksternal (External Credit Assessment (ECAI) registered with the Financial Services Authority
Institutions/ECAI) yang telah diakui dan terdaftar di Otoritas (OJK).
Jasa Keuangan (OJK).
Penggunaan peringkat kredit eksternal ini bertujuan The use of these external loan ratings is designed to assign
untuk menetapkan bobot risiko yang akurat dan objektif accurate and objective risk weights to the Bank's productive
terhadap aset-aset produktif Bank, serta sebagai salah satu assets and serves as a key parameter in loan risk analysis,
parameter utama dalam analisis risiko kredit, khususnya particularly for its treasury portfolio and placements with
untuk portofolio treasury dan penempatan dana pada pihak third parties.
ketiga.
2. Lembaga Pemeringkat yang Digunakan 2. Rating Agencies Used
Berdasarkan aktivitas bisnis dan portofolio surat berharga In accordance with its business activities and securities
yang dimiliki, Bank menggunakan peringkat yang diterbitkan portfolio, the Bank uses ratings issued by the following
oleh lembaga pemeringkat domestik yang kredibel, yaitu: credible domestic rating agencies:
• PT Pemeringkat Efek Indonesia (Pefindo) • PT Pemeringkat Efek Indonesia (Pefindo)
Pefindo juga merupakan lembaga yang memberikan Pefindo also provides a corporate rating for Allo Bank.
peringkat korporasi bagi Allo Bank dengan peringkat It has bestowed the Bank with an "idA" (Single A) rating
"idA" (Single A) dengan prospek Stabil (Stable), yang with a Stable outlook, reflecting the Bank's strong ability
mencerminkan kemampuan Bank yang kuat dalam to meet its long-term financial commitments.
memenuhi komitmen keuangan jangka panjangnya.
3. Jenis Eksposur yang Menggunakan Peringkat Eksternal 3. Types of Exposures Using External Ratings
Peringkat kredit eksternal digunakan untuk penilaian risiko External loan ratings are used to assess risk for the following
pada jenis-jenis eksposur sebagai berikut: types of exposures:
• Eksposur Surat Berharga: Digunakan untuk menilai • Securities Exposure: Used to assess the loanworthiness
kelayakan kredit penerbit surat utang (obligasi) yang of debt securities (bonds) issuers within the Bank's
berada dalam portofolio investasi Bank, baik yang investment portfolio, whether classified as Fair Value
diklasifikasikan sebagai Fair Value through Other through Other Comprehensive Income (FVOCI) or
Comprehensive Income (FVOCI) maupun biaya at amortized cost. Information from external loan
perolehan diamortisasi. Informasi dari penilai kredit assessors is used to mitigate risks in treasury products.
eksternal digunakan untuk memitigasi risiko pada
produk-produk treasury.
• Eksposur kepada Bank dan Korporasi: Digunakan • Exposures to Banks and Corporations: Used to
untuk penentuan bobot risiko pada tagihan kepada determine the risk weighting of receivables from other
bank lain atau korporasi yang memiliki peringkat, guna banks or corporations with ratings. This is done to
memastikan perhitungan ATMR Risiko Kredit yang ensure that the calculation of Loan Risk Risk Weighted
sesuai dengan profil risiko counterparty. Assets (RWA) are appropriate to the counterparty's risk
profile.
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Risiko Kredit
Credit Risk
Pengungkapan Eksposur Risiko Kredit dan Dampak Teknik MRK (CR4)
Disclosure of Credit Risk Exposure and Impact of MRK Techniques (CR4)
Bank Secara Individu
Bank Individually
Kategori Portfolio
Portfolio Category
1 Tagihan kepada Pemerintah
Claims on Sovereign
2 Tagihan kepada Entitas Sektor Publik
Claims on Public Sector Entity
3 Tagihan kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Claims on Multilateral Development Banks and International Institutions
4 Tagihan kepada Bank
Claims on Banks
Tagihan kepada Perusahaan Efek dan Lembaga Jasa Keuangan Lain
Claims to Securities Companies and Other Financial Services Institutions
5 Tagihan berupa Covered Bond
Covered Bond Claims
6 Tagihan kepada Korporasi - Eksposur Korporasi Umum
Claims on Corporations - General Corporate Exposure
Tagihan kepada perusahaan efek dan lembaga jasa keuangan lain
Claims to securities companies and other financial services institutions
Eksposur Pembiayaan Khusus
Special Financing Exposure
7 Tagihan berupa Surat Berharga/Piutang Subordinasi, Ekuitas, dan Instrumen Modal Lainnya
Claims in the form of Securities/Subordinated Receivables, Equity and Other Capital Instruments
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel
Claims on Micro, Small, and Retail Portfolios
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Tagihan Bersih Sebelum Penerapan FKK Tagihan Bersih Setelah penerapan FKK
dan Teknik MRK dan Teknik MRK ATMR dan Rata-Rata Bobot Risiko
Net Claims Before Implementation of FKK Net Claims After implementing FKK and ATMR and Average Risk Weight
and MRK Techniques MRK Techniques
Laporan Posisi Laporan Posisi Rata-Rata Bobot
Keuangan Keuangan Risiko
TRA TRA ATMR
Financial Position Financial Position Average Weight
Statement Statement Risk (e/(c+d)
a b c d e f
dalam jutaan Rupiah | In million Rupiah
7.271.988 - 7.271.988 - - 0,0%
- - - - - 0,0%
- - - - - -
612.022 - 612.022 - 122.404 20,0%
- - - - - 0,0%
- - - - - -
6.751.681 2.898.022 6.731.308 289.802 6.731.308 95,9%
- - - -
- - - - - 0,0%
48.839 - 48.839 - 73.259 150,0%
2.102.260 3.755.683 1.851.836 375.568 1.388.877 62,4%
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Kategori Portfolio
Portfolio Category
9 Kredit Beragun Properti
Loans Secured by Property
Kredit Beragun Properti Rumah Tinggal yang Pembayarannya Tidak Bergantung Secara Material pada Arus Kas Properti
Residential Property-Backaged Loans whose Payments Are Not Materially Dependent on Property Cash Flow
Kredit Beragun Properti Rumah Tinggal yang Pembayarannya Bergantung Secara Material pada Arus Kas Properti
Residential Property-Backaged Loans whose Payments Depend Materially on the Property's Cash Flows
Kredit Beragun Properti Komersial yang Pembayarannya Tidak Bergantung Secara Material pada Arus Kas Properti
Commercial Property-Backed Loans Where Payments Are Not Materially Dependent on Property Cash Flows
Kredit Beragun Properti Komersial yang Pembayarannya Bergantung Secara Material pada Arus Kas Properti
Commercial Property-Backed Loans Where Payments Depend Materially on the Property's Cash Flows
Kredit untuk Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi
Land Acquisition, Land Processing and Construction Loans
10 Aset Lainnya
Other Assets
11 Tagihan yang Telah Jatuh Tempo
Past Due Claims
12 Kredit Pegawai Pensiun
Employee Loan/Pension
13 Total
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Tagihan Bersih Sebelum Penerapan FKK Tagihan Bersih Setelah penerapan FKK
dan Teknik MRK dan Teknik MRK ATMR dan Rata-Rata Bobot Risiko
Net Claims Before Implementation of FKK Net Claims After implementing FKK and ATMR and Average Risk Weight
and MRK Techniques MRK Techniques
Laporan Posisi Laporan Posisi Rata-Rata Bobot
Keuangan Keuangan Risiko
TRA TRA ATMR
Financial Position Financial Position Average Weight
Statement Statement Risk (e/(c+d)
a b c d e f
dalam jutaan Rupiah | In million Rupiah
- - - - - -
- - - - - 0,0%
- - - - - 0,0%
- - - - - 0,0%
- - - - - 0,0%
- - - - - 0,0%
402.959 - 402.959 - 400.387 99,4%
188.182 - 188.182 - 214.212 113,8%
- - - - - 0,0%
17.377.930 6.653.705 17.107.134 665.371 8.930.448 50,2%
Pengungkapan Tambahan
Additional Disclosure
1. Dalam perhitungan CKPN Bank berpedoman pada PSAK 71 dimana Bank menggunakan faktor kuantitatif termasuk penentuan status berdasarkan
hari tunggakan dan informasi kualitatif lainnya yang bisa mengindikasikan telah terjadi peningkatan risiko kredit signifikan dan gagal bayar (default)
2. Dalam pengenaan FKK, Bank berpedoman pada ketentuan Perhitungan ATMR untuk Risiko Kredit dengan Pendekatan Standar Bagi Bank Umum
3. Pengenaan MRK pada perhitungan Bank berasal dari Agunan yang menjadi faktor pengurang tagihan bersih pada Laporan Posisi Keuangan
1. In calculating CKPN, the Bank is guided by PSAK 71 where the Bank uses quantitative factors including determining status based on days of arrears
and other qualitative information which can indicate that there has been a significant increase in credit risk and default
2. In imposing FKK, the Bank is guided by the provisions for calculating RWA for Credit Risk using the Standard Approach for Commercial Banks
3. The imposition of MRK in the Bank's calculations comes from Collateral which is a factor reducing net claims in the Statement of Financial Position
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Risiko Kredit
Credit Risk
Pengungkapan Eksposur berdasarkan Kelas Aset dan Bobot Risiko (CR5)
Exposure Disclosure by Asset Class and Risk Weight (CR5)
Bank Secara Individu
Bank Individually
Tagihan Bersih
Setelah FKK dan
Kategori Portfolio Lainnya Teknik MRK
0% 20% 50% 100% 150%
Portfolio Category Others Net Claims After
FKK and MRK
Techniques
1 Tagihan Kepada Pemerintah 7.271.988 - - - - - 7.271.988
Receivables on Sovereign
Tagihan Bersih
Setelah FKK dan
Kategori Portfolio Lainnya Teknik MRK
20% 50% 100% 150%
Portfolio Category Others Net Claims After
FKK and MRK
Techniques
2 Tagihan kepada Entitas Sektor - - - - - 7.271.988
Publik
Receivables on Public Sector
Entity
Tagihan Bersih
Setelah FKK dan
Kategori Portfolio Lainnya Teknik MRK
0% 20% 30% 50% 100% 150%
Portfolio Category Others Net Claims After
FKK and MRK
Techniques
3 Tagihan kepada Bank 7.271.988 - - - - - 7.271.988
Pembangunan Multilateral dan
Lembaga Internasional
Claims on Multilateral
Development Banks an
International Institutions
Tagihan Bersih
Setelah FKK dan
Kategori Portfolio Lainnya Teknik MRK
20% 30% 40% 50% 75% 100% 150%
Portfolio Category Others Net Claims After
FKK and MRK
Techniques
4 Tagihan kepada Bank 612.022 - - - - - - - 612.022
Claims on Banks
Tagihan kepada - - - - - - - - -
Perusahaan Efek dan
Lembaga Jasa Keuangan
Lain
Claims to Securities
Companies and Other
Financial Services
Institutions
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Tagihan Bersih
Setelah FKK dan
Kategori Portfolio Lainnya Teknik MRK
10% 15% 20% 25% 35% 50% 100%
Portfolio Category Others Net Claims After
FKK and MRK
Techniques
5 Tagihan berupa Covered - - - - - - - - -
Bond
Covered Bond Claims
Tagihan Bersih
Setelah FKK dan
Kategori Portfolio Lainnya Teknik MRK
20% 50% 65% 75% 80% 85% 100% 130% 150%
Portfolio Category Others Net Claims After
FKK and MRK
Techniques
6 Tagihan kepada - - - - - - 6.751.681 - - - 7.021.110
Korporasi Umum
Claims on General
Corporations
Tagihan kepada - - - - - - - - -
Perusahaan Efek
dan Lembaga Jasa
Keuangan Lain
Claims to Securities
Companies and
Other Financial
Services Institutions
Eksposur - - - - - - - - -
Pembiayaan Khusus
Special Financing
Exposure
Tagihan Bersih
Setelah FKK dan
Kategori Portfolio Lainnya Teknik MRK
75% 100% 150% 250% 400%
Portfolio Category Others Net Claims After
FKK and MRK
Techniques
7 Tagihan berupa Surat - - 48.839 - - - 48.839
Berharga/Piutang Subordinasi,
Ekuitas, dan Instrumen Modal
Lainnya
Claims in the form of
Securities/Subordinated
Receivables, Equity and Other
Capital Instruments
Tagihan Bersih
Setelah FKK dan
Kategori Portfolio Lainnya Teknik MRK
45% 67,5% 75% 85% 100% 112,5% 150%
Portfolio Category Others Net Claims After
FKK and MRK
Techniques
8 Tagihan kepada Usaha - - 1.851.836 - 250.423 - - - 2.227.405
Mikro, Usaha Kecil, dan
Portofolio Ritel
Claims on Micro
Businesses, Small
Businesses, and Retail
Portfolios
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Kategori Portfolio
0% 20% 25% 30% 35% 40% 45% 50%
Portfolio Category
9 Kredit Beragun Properti
Property Mortgage Loans
Kredit Beragun Properti Rumah Tinggal yang - - - - - - - -
Pembayarannya Tidak Bergantung Secara
Material pada Arus Kas Properti
Residential Property-Backaged Loans whose
Payments Are Not Materially Dependent on
Property Cash Flow
tanpa pendekatan pembagian kredit - - - - - - - -
without a loan sharing approach
dengan menggunakan pendekatan -
pembagian kredit (dijamin)
using a loan sharing approach
(guaranteed)
dengan menggunakan pendekatan - - - - -
pembagian kredit (dijamin)
using a loan sharing approach
(guaranteed)
Kredit Beragun Properti Rumah Tinggal yang - - -
Pembayarannya Bergantung Secara Material
pada Arus Kas Properti
Residential Property-Backaged Loans
whose Payments Depend Materially on the
Property's Cash Flows
Kredit Beragun Properti Komersial yang - - - - -
Pembayarannya Tidak Bergantung Secara
Material pada Arus Kas Properti
Commercial Property-Backed Loans Whose
Payments Are Not Materially Dependent on
Property Cash Flows
tanpa pendekatan pembagian kredit - - - - -
dengan menggunakan pendekatan
pembagian kredit (dijamin)
dengan menggunakan pendekatan - - - - -
pembagian kredit (dijamin)
Kredit Beragun Properti Komersial yang
Pembayarannya Bergantung Secara Material
pada Arus Kas Properti
Commercial Property-Backed Loans
Whose Payments Depend Materially on the
Property's Cash Flows
Kredit untuk Pengadaan Tanah, Pengolahan
Tanah, dan Konstruksi
Land Acquisition, Land Processing and
Construction Loans
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Tagihan Bersih
60% 65% 70% 75% 85% 90% 100% 105% 110% 150% Lainnya Setelah FKK dan
Teknik MR
-
- - - - - - - - - - -
- - - - - - - - - - -
- -
- - - - - - -
- - - - - -
- - - - - - - -
- - -
- - -
- - - - - - -
- - - - - -
- - - -
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Tagihan Bersih
Setelah FKK dan
Kategori Portfolio Lainnya Teknik MRK
50% 100% 150%
Portfolio Category Others Net Claims After
FKK and MRK
Techniques
10 Tagihan yang telah jatuh - 136.122 52.060 - 188.182
tempo
Past Due Claims
Tagihan Bersih
Setelah FKK dan
Kategori Portfolio Lainnya Teknik MRK
0% 20% 100% 150% 1250%
Portfolio Category Others Net Claims After
FKK and MRK
Techniques
11 Aset Lainnya 2.572 - 400.387 - - - 402.959
Other Assets
Tagihan Bersih
Setelah FKK dan
Kategori Portfolio Lainnya Teknik MRK
50% 100% 150%
Portfolio Category Others Net Claims After
FKK and MRK
Techniques
12 Kredit Pegawai Pensiun - - - - -
Employee Loan/Pension
Tagihan Bersih
Tagihan Bersih Tagihan Bersih TRA
(Setelah pengenaan
Laporan Posisi (sebelum pengenaan
Bobot Risiko Rata-Rata FKK FKK dan Teknik MRK"
No Keuangan FKK)
Weight Risk Average FKK Net Claims (After
Net Claims Statement "TRA Net Claims (before
imposition of FKK and
of Financial Position imposition of FKK)"
MRK Technique"
1 <40% 7.884.010 - - 7.884.010
2 40%-70% 2.102.260 3.755.683 10,0% 1.851.836
3 75% - - - -
4 80% - - - -
5 85% - - - -
6 90%-100% 7.154.639 2.898.022 10,0% 7.134.267
7 105%-130% 188.182 - - 188.182
8 150% 48.839 - - 48.839
9 250% - - - -
10 400% - - - -
11 1250% - - - -
12 Total Tagihan Bersih 17.377.930 6.653.705 10,0% 17.107.134
Pengungkapan Tambahan
Additional Disclosure
1. Dalam perhitungan CKPN Bank berpedoman pada PSAK 71 dimana Bank menggunakan faktor kuantitatif termasuk penentuan status berdasarkan
hari tunggakan dan informasi kualitatif lainnya yang bisa mengindikasikan telah terjadi peningkatan risiko kredit signifikan dan gagal bayar (default)
2. Dalam pengenaan FKK, Bank berpedoman pada ketentuan Perhitungan ATMR untuk Risiko Kredit dengan Pendekatan Standar Bagi Bank Umum
3. Pengenaan MRK pada perhitungan Bank berasal dari Agunan yang menjadi faktor pengurang tagihan bersih pada Laporan Posisi Keuangan
1. In calculating CKPN, the Bank is guided by PSAK 71, where the Bank uses quantitative factors including determining status based on days of arrears
and other qualitative information which could indicate that there has been a significant increase in credit risk and default
2. In imposing FKK, the Bank is guided by the provisions for calculating RWA for Credit Risk using the Standard Approach for Commercial Banks
3. The imposition of MRK in the Bank's calculations comes from Collateral which is a factor reducing net claims in the Statement of Financial Position
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Risiko Kredit
Credit Risk
Tabel 21: Pengungkapan Kualitatif Mengenai Counterparty Credit Risk
Table 21: Qualitative Disclosures Regarding Counterparty Credit Risk
Pengelolaan Risiko Kredit Pihak Lawan (Counterparty Credit Counterparty Loan Risk Management
Risk)
Bank menerapkan kerangka pengelolaan Risiko Kredit Pihak The Bank implements a comprehensive Credit Loan Risk
Lawan (Counterparty Credit Risk) secara komprehensif sebagai management framework as part of its integrated market and
bagian dari manajemen risiko pasar dan likuiditas yang liquidity risk management. Currently, the Bank's Credit Loan
terintegrasi. Saat ini, eksposur CCR Bank utamanya bersumber Risk exposure primarily originates from derivative instruments in
dari instrumen derivatif dalam portofolio tagihan antarbank. its interbank receivables portfolio. To ensure a stable risk profile,
Guna memastikan stabilitas profil risiko, Bank melakukan the Bank hhas implemented the following control measures:
langkah-langkah pengendalian sebagai berikut:
• Pemantauan Eksposur Berkala: Bank melakukan evaluasi • Regular Exposure Monitoring: The Bank continuously
dan pemantauan atas eksposur pihak lawan secara evaluates and monitors counterparty exposures during each
berkesinambungan pada setiap periode pelaporan untuk reporting period to ensure its compliance with established
memastikan kepatuhan terhadap batasan (limit) risiko yang risk limits.
ditetapkan.
• Pengukuran Risiko Proaktif: Dalam mengantisipasi fluktuasi • Proactive Risk Measurement: To anticipate market
pasar, Bank melakukan pengukuran dalam perhitungan fluctuations, the Bank measures its Potential Future
Potential Future Exposure (PFE). Langkah ini bertujuan Exposure (PFE). This measure aims to project the maximum
untuk memproyeksikan potensi eksposur kredit maksimal di potential future loan exposure over the life of its instrument
masa depan selama masa kontrak instrumen berlangsung. contract.
• Mitigasi Risiko Terintegrasi: Melalui pendekatan ini, Bank • Integrated Risk Mitigation: Through this approach, the Bank
memastikan bahwa setiap potensi kegagalan pihak lawan ensures that any potential counterparty default is mitigated
telah dimitigasi dengan pencadangan modal yang memadai by maintaining adequate capital reserves and selecting
dan pemilihan rekanan (counterparty) yang memiliki highly credible counterparties. This is done to maintain the
kredibilitas tinggi, guna menjaga ketahanan finansial Bank Bank's overall financial resilience.
secara menyeluruh.
Risiko Kredit
Credit Risk
Tabel 22: Analisis Eksposur Counterparty Credit Risk
Table 22: Counterparty Credit Risk Exposure Analysis
31 Desember 2025
Alpha digunakan
Potential untuk perhitungan
Tagihan
Replacement future regulatory EAD
EEPE Bersih ATMR
cost (RC) exposure Alpha is used for
Net Claims
(PFE) regulatory EAD
calculations
1 SA-CCR (untuk derivatif) 6.747 44 1,4 9.507 1.901
SA-CCR (for derivatives)
2 Metode Internal Model N/A N/A
(untuk derivatif dan SFT)
Internal Model Method
(for derivatives and SFT)
3 Pendekatan sederhana N/A N/A
untuk mitigasi risiko
kredit (untuk SFT)
A simple approach to
credit risk mitigation (for
SFT)
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31 Desember 2025
Alpha digunakan
Potential untuk perhitungan
Tagihan
Replacement future regulatory EAD
EEPE Bersih ATMR
cost (RC) exposure Alpha is used for
Net Claims
(PFE) regulatory EAD
calculations
4 Pendekatan - -
komprehensif untuk
mitigasi risiko kredit
(untuk SFT)
Comprehensive
approach to credit risk
mitigation (for SFT)
5 VaR untuk SFT N/A N/A
VaR for SFT
Total 1.901
Analisis Kualitatif
Qualitative Analysis
Eksposur Counterparty Credit Risk Desember 2025 terdiri dari tagihan Derivatif yang berasal dari Tagihan pada Bank
Counterparty Credit Risk Exposure December 2025 consists of Derivative receivables originating from Receivables on Banks
Risiko Kredit
Credit Risk
Tabel 24: Eksposur Counterparty Credit Risk Berdasarkan Kategori Portfolio dan Bobot Risiko
Table 24: Counterparty Credit Risk Exposure Based on Portfolio Category and Risk Weight
31 Desember 2025
Total
Kategori Portofolio
Tagihan
Portfolio Category Lainnya
0% 10% 20% 50% 75% 100% 150% Bersih
Others
Total Net
Claims
dalam jutaan Rupiah | In million Rupiah
Tagihan kepada Pemerintah 7.271.988 - - - - - - - 7.271.988
Claims on Sovereign
Tagihan kepada Entitas Sektor - - - - - - - - -
Publik
Claims on Public Sector Entity
Tagihan kepada Bank - - - - - - - - -
Pembangunan Multilateral dan
Lembaga Internasional
Claims on Multilateral
Development Banks and
International Institutions
Tagihan kepada Bank - - 612.022 - - - - - 612.022
Claims on Banks
Tagihan berupa Covered Bond - - - - - - - - -
Covered Bond Claims
Tagihan kepada Perusahaan - - - - - - - - -
Efek dan Lembaga Jasa
Keuangan Lainnya
Claims to Securities Companies
and Other Financial Services
Institutions
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31 Desember 2025
Total
Kategori Portofolio
Tagihan
Portfolio Category Lainnya
0% 10% 20% 50% 75% 100% 150% Bersih
Others
Total Net
Claims
dalam jutaan Rupiah | In million Rupiah
Tagihan berupa Surat Berharga/ - - - - - - 48.839 - 48.839
Piutang Subordinasi, Ekuitas,
dan Instrumen Modal Lainnya
Claims in the form of Securities/
Subordinated Receivables,
Equity and Other Capital
Instruments
Kredit Beragun Properti Rumah - - - - - - - - -
Tinggal
Residential Property Secured
Loans
Kredit Beragun Properti - - - - - - - - -
Komersial
Commercial Property Mortgage
Loans
Kredit untuk Pengadaan - - - - - - - - -
Tanah, Pengolahan Tanah, dan
Konstruksi
Land Acquisition, Land
Processing and Construction
Loans
Kredit Pegawai/Pensiunan - - - - - - - - -
Employee Loan/Pension
Tagihan kepada Usaha Mikro, - - - - 1.851.836 250.423 - - 2.102.260
Usaha Kecil, dan Portofolio Ritel
Claims on Micro Businesses,
Small Businesses, and Retail
Portfolios
Tagihan kepada Korporasi - - - - - 6.751.681 - - 6.751.681
Claims on Corporate
Tagihan yang Telah Jatuh Tempo - - - - - 136.122 52.060 - 188.182
Past Due Claims
Aset Lainnya - - - - - - - - -
Other Assets
Total 7.271.988 - 612.022 - 1.851.836 7.138.226 100.900 - 16.974.972
Analisis Kualitatif
Qualitative Analysis
Eksposur Counterparty Credit Risk pada Desember 2025 terdapat pada Tagihan pada Pemerintah yang berasal dari Surat Berharga Pemerintah, Tagihan
kepada Bank Lain dan Tagihan kepada Korporasi
Counterparty Credit Risk Exposure in December 2025 is found in Receivables from the Government originating from Government Securities, Receivables
from Other Banks, and Receivables from Corporations
Risiko Kredit
Credit Risk
Tabel 25: Tagihan Bersih Derivatif Kredit
Table 25: Net Credit Derivatives Claims
Pada posisi 31 Desember 2025, Bank memiliki tagihan As of December 31, 2025, the Bank had IDR9.5 billion in net
bersih derivatif kredit sebesar Rp9,5 miliar yang berasal dari loan derivative receivables from its counterparty, Bank Mega.
counterparty Bank Mega.
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Risiko Kredit
Credit Risk
Tabel 26: Pengungkapan Kualitatif Mengenai Eksposur Sekuritisasi
Table 26: Qualitative Disclosures Regarding Securitization Exposures
Pada posisi Desember 2025, Bank tidak memiliki Eksposur As of December 2025, the Bank does not have any Securitization
Sekuritisasi. Exposure.
Risiko Kredit
Credit Risk
Tabel 27: Eksposur Sekuritisasi pada Banking Book
Table 27: Securitization Exposure in Banking Book
Pada posisi 31 Desember 2025, Bank tidak memiliki eksposur As of 31 December 2025, the Bank did not have any
sekuritisasi pada Banking Book. securitization exposure in the Banking Book.
Risiko Kredit
Credit Risk
Tabel 28: Eksposur Sekuritisasi pada Trading Book
Table 28: Securitization Exposure in Trading Book
Pada posisi 31 Desember 2025, Bank tidak memiliki eksposur As of 31 December 2025, the Bank did not have any
sekuritisasi pada Banking Book. securitization exposure in the Banking Book.
Definisi
Definition
(i) Ketika bank sebagai originator maka eksposur sekuritisasi berada pada posisi retained, meskipun tidak cocok untuk kerangka sekuritisasi yang
dikarenakan tidak adanya transfer risiko yang signifikan dan efektif (yang dapat dipresentasikan secara terpisah).
(i) When the bank acts as an originator, the securitization exposure is in a retained position, although it is not suitable for a securitization framework due to
the absence of significant and effective risk transfer (which can be presented separately).
(ii) Apabila bank sebagai sponsor eksposur sekuritisasi termasuk eksposur kepada commercial paper conduits dimana bank menyediakan programme-
wide enhancements, likuiditas dan fasilitas lainnya. Ketika bank sebagai originator dan sponsor, harus menghindari pencatatan ganda. Terkait hal ini bank
dapat menyatukan dua kolom ""Bank sebagai originator"" dan ""Bank sebagai sponsor"" dan menggunakan kolom ""Bank sebagai originator/sponsor"".
If the bank acts as a sponsor, securitization exposure includes exposure to commercial paper conduits, for which the bank provides program-wide
enhancements, liquidity and other facilities. When the bank is the originator and sponsor, the bank must avoid double listing. In this regard, the bank can
combine the two columns "Bank as originator" and "Bank as sponsor" and use the column "Bank as originator/sponsor"".
(iii) Eksposur sekuritisasi ketika bank bertindak sebagai investor adalah investasi yang dibeli perjanjian dengan pihak ketiga.
Securitization exposure when a bank acts as an investor is an investment purchased agreement with a third party.
Transaksi sintetis: jika bank telah membeli proteksi harus melaporkan jumlah eksposur bersih yang muncul pada kolom originator/sponsor (jika jumlahnya
tidak diamankan). Jika bank telah menjual proteksi, nilai eksposur dari proteksi kredit harus dilaporkan pada kolom ""investor".
Synthetic transactions: if the bank has purchased protection, the bank must report the net exposure amount that appears in the originator/sponsor column
(if the amount is not secured). If the bank has sold protection, the exposure value of the credit protection must be reported in the "investor" column.
Re-sekuritisasi: semua eksposur sekuritisasi terkait re-securitisation harus dilengkapi pada baris “re-sekuritisasi”, dan tidak pada baris sebelumnya (dengan
tipe underlying asset) yang mengandung eksposur sekuritisasi selain re-sekuritisasi.
Re-securitization: all securitization exposures related to re-securitization must be completed on the “re-securitization” line, and not on the previous line (by
underlying asset type) that contains securitization exposures other than re-securitization.
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Risiko Kredit
Credit Risk
Tabel 29: Eksposur Sekuritisasi pada Banking Book dan Terkait Persyaratan Modalnya - Bank Bertindak sebagai
Originator atau Sponsor
Table 29: Securitization Exposure in the Banking Book and Related Capital Requirements - Bank Acting as Originator or Sponsor
Pada posisi 31 Desember 2025, Bank tidak memiliki eksposur As at 31 December 2025, the Bank did not have any
sekuritisasi pada Banking Book dan terkait Persyaratan Modal - securitization exposure in the Banking Book and related Capital
Bank Bertindak sebagai Originator atau Sponsor. Requirements - Bank Acts as Originator or Sponsor.
Risiko Kredit
Credit Risk
Tabel 30: Eksposur Sekuritisasi pada Banking Book dan Terkait Persyaratan Modalnya - Bank Bertindak sebagai Investor
Table 30: Banking Book Securitization Exposure and Related Capital Requirements - Bank Acting as Investor
Pada posisi 31 Desember 2025, Bank tidak memiliki eksposur As at 31 December 2025, the Bank did not have any
sekuritisasi pada Banking Book dan terkait Persyaratan Modal - securitization exposure in the Banking Book and related Capital
Bank Bertindak sebagai Investor. Requirements - Bank Acting as Investor.
Risiko Pasar
Market Risk
Tabel 15a : Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
Table 15a: Market Risk Disclosure Using Standardized Method
31 Desember 2025 | December 31, 2025 31 Desember 2024 | December 31, 2024
Konsolidasi Konsolidasi
Bank Bank
Jenis Risiko Consolidated Consolidated
No.
Types of Risk
Beban Beban Beban Beban
Modal Modal Modal Modal
ATMR ATMR ATMR ATMR
Capital Capital Capital Capital
Charges Charges Charges Charges
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
dalam jutaan Rupiah | In million Rupiah
1 Risiko Suku Bunga
Interest Risk
a. Risiko Spesifik - - - - - - - -
Specific Risk
b. Risiko Umum - - - - - - - -
General Risk
2 Risiko Nilai Tukar 4.972 62.144 - - - - - -
Foreign Exchange Risk
3 Risiko Ekuitas *) - - - - - - - -
Equity Risk *)
4 Risiko Komoditas *) - - - - - - - -
Commodity Risk *)
5 Risiko Option - - - - - - - -
Option Risk
6 CVA 2 27 - -
Total 4.974 62.171 - - - - - -
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Risiko Pasar
Market Risk
Tabel 15b : Pengungkapan Risiko Pasar dengan Model Internal (Value at Risk)
Table 15b: Market Risk Disclosure Using Internal Models (Value at Risk)
Pada posisi 31 Desember 2025 dan 31 Desember 2024, As of December 31, 2025 and December 31, 2024, the
Perusahaan tidak memiliki Risiko Pasar dengan Model Internal Company had no Market Risk using the Internal Model (Value
(Value at Risk) at Risk).
31 Desember 2025 | December 31, 2025 31 Desember 2024 | December 31, 2024
Jenis Risiko
No. Types of Akhir Akhir
Rata-rata Maksimum Minimum Rata-rata Maksimum Minimum
Risk periode periode
Average Maximum Minimum Average Maximum Minimum
End of period End of period
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
dalam jutaan Rupiah | In million Rupiah
1 Risiko Suku
Bunga
Interest Risk
a. Risiko - - - - - - - -
Spesifik
Specific
Risk
b. Risiko - - - - - - - -
Umum
General
Risk
2 Risiko Nilai 4.972 62.144 - - - - - -
Tukar
Foreign
Exchange Risk
3 Risiko Ekuitas - - - - - - - -
Equity Risk
4 Risiko - - - - - - - -
Komoditas
Commodity
Risk
5 Risiko Option - - - - - - - -
Option Risk
Total - - - - - - - -
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Risiko Pasar
Market Risk
Tabel 15c : Laporan Penerapan Manajemen Risiko untuk Interest Rate Risk in Banking Book (IRRBB)
Table 15c: Risk Management Implementation Report for Interest Rate Risk in Banking Book (IRRBB)
Analisis Kualitatif
Qualitative Analysis
1. Definisi IRRBB untuk Pengukuran dan Pengendalian Risiko Suku Bunga
Definition of IRRBB for Measuring and Controlling Interest Rate Risk
IRRBB merupakan risiko akibat pergerakan atau perubahan suku bunga di pasar yang menimbulkan eksposur risiko suku bunga yang
mempengaruhi posisi banking book dan off balance sheet (aset, liabilitas, dan transaksi rekening administratif). Sensitivitas terhadap perubahan
suku bunga tersebut berpotensi memberikan dampak pada permodalan dan rentabilitas (earning) Bank. Dalam melakukan pengukuran risiko IRRBB
Bank menggunakan metode pengukuran berdasarkan perubahan pada nilai ekonomis dari ekuitas (Economic Value of Equity) dan pengukuran
berdasarkan perubahan pada pendapatan bunga bersih (Net Interest Income).
Pengendalian risiko suku bunga pada banking book adalah serangkaian tindakan yang dilakukan oleh bank untuk mengelola dan mengurangi
dampak perubahan suku bunga terhadap aset, liabilitas, dan transaksi rekening administratif. Proses ini melibatkan identifikasi risiko, analisis
sensitivitas, dan pengawasan secara berkala untuk memastikan stabilitas dan kesehatan keuangan bank.
IRRBB is the risk due to movements or changes in market interest rates that give rise to interest rate risk exposure affecting banking book and
off balance sheet positions (assets, liabilities, and administrative account transactions). Sensitivity to changes in interest rates has the potential
to impact the Bank's capital and profitability (earnings). In measuring IRRBB risk, the Bank uses measurement methods based on changes in the
economic value of equity and measurement based on changes in net interest income.
Interest rate risk control in the banking book is a series of actions taken by banks to manage and mitigate the impact of changes in interest rates
on assets, liabilities, and administrative account transactions. This process involves risk identification, sensitivity analysis, and regular monitoring to
ensure the stability and financial soundness of the bank.
2. Strategi Manajemen Risiko dan Mitigasi Risiko untuk IRRBB
Risk Management and Risk Mitigation Strategy for IRRBB
Bank senantiasa melakukan pengawasan eksposur IRRBB secara berkala untuk memastikan bahwa risiko tetap dalam batas yang dapat diterima.
Untuk itu, bank menyusun strategi manajemen risiko dan mitigasi yang mencakup penetapan tingkat risiko yang akan diambil (risk appetite) dan
toleransi risiko (risk tolerance) untuk mencegah terjadinya pelampauan batasan limit yang ditetapkan oleh ketentuan yang berlaku, penetapan
tingkat risiko tersebut sejalan dengan strategi bisnis bank. Selain itu, sebagai bagian dari upaya mitigasi risiko, bank menerapkan strategi
diversifikasi portofolio dan menggunakan instrumen keuangan yang tepat untuk melindungi nilai aset dan kewajiban dari dampak fluktuasi suku
bunga.
The Bank continues to monitor IRRBB exposures on a regular basis to ensure that risks remain within acceptable limits. To that end, the bank
develops a risk management and mitigation strategy that includes the determination of the level of risk to be taken (risk appetite) and risk tolerance
(risk tolerance) to prevent exceeding the limits set by applicable regulations, the determination of the risk level is in line with the bank's business
strategy. In addition, as part of its risk mitigation efforts, the bank implements a portfolio diversification strategy and utilizes appropriate financial
instruments to hedge its assets and liabilities against the impact of interest rate fluctuations.
3. Periodisasi Perhitungan IRRBB dan Pengukuran Spesifik yang Digunakan Bank untuk Mengukur Sensitivitas terhadap IRRBB
Periodization of IRRBB Calculation and Specific Measures Used by Banks to Measure Sensitivity to IRRBB
Berdasarkan aturan yang berlaku dari Regulator, Bank melakukan perhitungan IRRBB setiap Triwulanan untuk posisi akhir bulan Maret, Juni,
September, dan Desember sebagai bagian dari laporan Profil Risiko untuk Risiko Pasar dan laporan Tingkat Kesehatan Bank. Namun untuk
meningkatkan efektifitasnya, pemantauan atas IRRBB juga dilakukan secara bulanan dan dilaporkan kepada Komite Manajemen Risiko.
Based on the applicable regulations set forth by the Regulator, the Bank calculates IRRBB on a quarterly basis for the end of March, June,
September and December as part of the Risk Profile report for Market Risk and the Bank's Soundness report. However, to improve its effectiveness,
monitoring of IRRBB is also conducted on a monthly basis and reported to the Risk Management Committee.
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4. Skenario Shock Suku Bunga dan Skenario Stress yang Digunakan Bank dalam Perhitungan IRRBB dengan Menggunakan EVE dan NII
Interest Rate Shock Scenario and Stress Scenario Used by Banks in IRRBB Calculation Using EVE and NII
Berdasarkan ketentuan regulator, Bank menggunakan pendekatan standar dalam mengukur IRRBB dengan 6 skenario shock suku bunga untuk
perhitungan ΔEVE yaitu:
- Shock suku bunga yang paralel ke atas (parallel shock up)
- Shock suku bunga yang paralel ke bawah (parallel shock down)
- Shock suku bunga yang melandai (steepener shock)
- Shock suku bunga yang mendatar (flattener shock)
- Shock suku bunga jangka pendek yang meningkat (short rates shock up)
- Shock suku bunga jangka pendek yang menurun (short rates shock down)
Sedangkan perhitungan ΔNII Bank menggunakan pendekatan standar dalam mengukur IRRBB dengan 2 skenario shock suku bunga yaitu:
- Shock suku bunga yang paralel ke atas (parallel shock up)
- Shock suku bunga yang paralel ke bawah (parallel shock down)
Skenario shock suku bunga saat ini, Bank menggunakan mata uang Rupiah. Untuk skenario shock suku bunga dengan jenis Parallel, Bank
menggunakan besaran perubahan nilai suku bunga sebesar 400 bps. Sementara itu dalam kondisi short menggunakan besaran perubahan nilai
suku bunga masing-masing 500 bps serta untuk kondisi long menggunakan besaran perubahan nilai suku bunga masing-masing 350 bps.
Based on regulatory requirements, the Bank uses a standardized approach in measuring IRRBB with 6 interest rate shock scenarios for the
calculation of ΔEVE, namely:
- Interest rate shock parallel up
- Interest rate shock that is parallel to down (parallel shock down)
- Sloping interest rate shock (steepener shock)
- Flattener shock
- An increasing short-term interest rate shock (short rates shock up)
- Short-term interest rate shock that decreases (short rates shock down)
Meanwhile, the calculation of ΔNII Bank uses a standard approach in measuring IRRBB with 2 interest rate shock scenarios, namely:
- Interest rate shock that is parallel to up (parallel shock up)
- Parallel downward interest rate shock (parallel shock down)
The Bank's current interest rate shock scenario is denominated in Rupiah. For the interest rate shock scenario with Parallel type, the Bank uses the
amount of change in interest rate value of 400 bps. Meanwhile, in short conditions using the amount of change in the value of interest rates of 500
bps each and for long conditions using the amount of change in the value of interest rates of 350 bps each.
5. Asumsi Permodelan yang Digunakan dalam Pengukuran IRRBB adalah Sebagai Berikut:
The Modeling Assumptions Used in the IRRBB Measurement are as follows:
Seluruh asumsi pemodelan yang dilakukan oleh Bank dalam perhitungan IRRBB telah sesuai dengan pendekatan standar maupun acuan yang telah
ditetapkan oleh Regulator. Sehingga untuk saat ini Bank tidak memiliki asumsi pemodelan khusus yang memiliki pendekatan yang berbeda dari
pendekatan standar.
All modeling assumptions made by the Bank in calculating IRRBB are in accordance with the standard approach and references set by the Regulator.
Therefore, the Bank currently does not have any special modeling assumptions that have a different approach from the standard approach.
6. Lindung Nilai (hedging) terhadap IRRBB (apabila ada) dan Perlakuan Akuntansi terkait
Hedging against IRRBB (if any) and related Accounting Treatment
Saat ini Bank melakukan tindakan lindung nilai (hedging) terhadap IRRBB melalui natural hedging yaitu menggunakan karakteristik internal dari posisi
aset dan kewajiban di dalam banking book untuk mengurangi dampak fluktuasi suku bunga tanpa harus menggunakan instrumen derivatif eksternal.
The Bank currently hedges IRRBB through natural hedging, which uses the internal characteristics of asset and liability positions in the banking book to
reduce the impact of interest rate fluctuations without having to use external derivative instruments.
7. Penjelasan Komprehensif mengenai Asumsi Utama Pemodelan dan Parametric yang Digunakan untuk Menghitung ∆EVE dan ∆NII:
Comprehensive Explanation of Key Modeling and Parametric Assumptions Used to Calculate ∆EVE and ∆NII:
a. ∆EVE
Untuk posisi Desember 2025 pada Risiko Suku Bunga pada Banking Book (IRRBB) pada indikator delta Economic Value of Equity (EVE)
dimana risiko maksimum terjadi pada skenario parallel up (suku bunga naik) yaitu sebesar Rp1,05 triliun, selanjutnya apabila dibandingkan
dengan Modal Tier 1 Bank sebesar Rp7,39 triliun maka delta EVE adalah sebesar 14.22%. Kenaikan suku bunga menyebabkan penurunan nilai
ekonomi ekuitas Bank sebesar Rp1,05 triliun. Artinya, nilai bersih aset berbunga bank (net present value) mengalami depresiasi ketika suku
bunga naik. Penurunan EVE sebesar 14,22% dari Tier 1 menunjukkan sensitivitas bank terhadap interest rate movement tergolong high dan
perlu untuk dipantau secara konsisten. Aset Bank lebih sensitif terhadap durasi dibandingkan dengan liabilities. Kondisi masih berada dalam
zona aman, namun potensi tekanan pada capital ratio dapat meningkat bila terjadi: Volatilitas yield curve yang lebih besar, konsentrasi pada
aset dengan durasi panjang, dan durasi funding yang cenderung didominasi oleh kewajiban jangka pendek.
For the December 2025 position on Interest Rate Risk in the Banking Book (IRRBB) on the delta Economic Value of Equity (EVE) indicator
where the maximum risk occurs in the parallel up scenario (increasing interest rates) at IDR 1.05 trillion, then when compared to the Bank's
Tier 1 Capital of IDR 7.39 trillion, the EVE delta is 14.22%. The increase in interest rates causes a decrease in the economic value of the Bank's
equity by IDR 1.05 trillion. This means that the bank's net present value of interest-bearing assets depreciates when interest rates rise. The
14.22% decrease in EVE from Tier 1 indicates the bank's sensitivity to interest rate movements is relatively high and needs to be monitored
consistently. Bank assets are more sensitive to duration than liabilities. Conditions are still in the safe zone, but the potential for pressure on
the capital ratio can increase if there is: Greater yield curve volatility, concentration on long-duration assets, and funding duration that tends
to be dominated by short-term liabilities.
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b. Δ NII
Untuk posisi Desember 2025, nilai delta Net Interest Income (NII) dimana risiko maksimum terjadi pada skenario parallel up sebesar Rp52,98
milliar. Apabila dibandingkan dengan projected income 2025 Bank sebesar Rp1,41 triliun, delta NII adalah sebesar 3.76%. Perubahan NII yang
terjadi tidak terlalu sensitif terhadap perubahan suku bunga dalam horizon 12 bulan. Penurunan NII hanya 3,76% menunjukkan bahwa Neraca
bank memiliki repricing cepat pada aset & liabilitas dimana dampak NII sangat kecil sehingga tidak mengancam profitabilitas jangka pendek,
meski EVE menunjukkan sensitivitas jangka panjang.
For December 2025, the delta value of Net Interest Income (NII), where the maximum risk occurs in the parallel up scenario, is IDR 52.98
billion. Compared to the Bank's 2025 projected income of IDR 1.41 trillion, the NII delta is 3.76%. The NII change that occurred was not very
sensitive to changes in interest rates over a 12-month horizon. The decrease in NII of only 3.76% indicates that the bank's balance sheet has
a rapid repricing of assets and liabilities, where the impact of NII is very small and does not threaten short-term profitability, although EVE
shows long-term sensitivity.
Analisis Kuantitatif
Quantitative Analysis
1. Rata-rata Jangka Waktu Penyesuaian Suku Bunga (repricing maturity) yang Diterapkan untuk NMD
Average repricing maturity applied to NMDs
Rata - rata jangka waktu penyesuaian suku bunga (repricing maturity) yang diterapkan untuk NMD adalah 1 bulan melalui review secara bulanan
pada rapat ALCO.
The average repricing maturity applied to NMD is 1 month through monthly reviews at ALCO meetings.
2. Repricing maturity terpanjang yang diterapkan untuk NMD.
Longest maturity repricing applied for NMD.
Bank menerapkan jangka waktu penyesuaian suku bunga (repricing maturity) terlama yang diterapkan untuk NMD adalah 1 tahun.
The longest repricing maturity applied for NMD is 1 year.
Risiko Pasar
Market Risk
Tabel 15d: Laporan Perhitungan Interest Rate Risk in Banking Book (IRRBB)
Interest Rate Risk in Banking Book (IRRBB) Calculation Report
LAPORAN PERHITUNGAN IRRBB
IRRBB CALCULATION REPORT
ΔEVE ΔEVE ΔNII ΔNII
Skenario Shock 31 Desember2025 30 September 2025 31 Desember2025 30 September2025
No
Shock Scenario December 31, 2025 September 30, 2025 December 31, 2025 September 30, 2025
dalam jutaan Rupiah | In million Rupiah
1 Paralel UP (400 bps) (1.051.500) (1.035.438) (52.977) (93.944)
2 Paralel Down (400 bps) 1.388.065 1.403.887 52.977 93.944
3 Steepener (507.942) (434.665)
4 Flattener 270.367 231.943
5 Short Rate Up (300.559) (338.957)
6 Short Rate Down 317.093 356.349
Nilai Kerugian Maksimum (Absolut) 1.051.500 1.035.438 52.977 93.944
Maximum Loss Value (Absolute)
Modal Tier 1 (utk ΔEVE) atau Projected 7.394.698 7.276.218 1.409.748 1.409.748
Income (utk ΔNII)
Tier 1 Capital (for ΔEVE) or Projected
Income (for ΔNII)
Nilai Maksimum dibagi Modal Tier-1 (utk 14,22% 14,23% 3,76% 6,66%
ΔEVE) atau Projected Income (utk ΔNII)
Maximum Value divided by Tier-1 Capital
(for ΔEVE) or Projected Income (for ΔNII)
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Risiko Likuiditas
Liquidity Ratio
Tabel 17: Pengungkapan Nilai Liquidity Coverage Ratio (LCR)
Table 17: Disclosure of Liquidity Coverage Ratio (LCR) Values
Komponen
No
Component
1 Jumlah data Poin yang digunakan dalam perhitungan LCR
Number of data points used in LCR calculations
HIGH QUALITY LIQUID ASSET (HQLA)
2 Total High Quality Liquid Asset (HQLA)
ARUS KAS KELUAR (CASH OUTFLOW)
3 Simpanan nasabah perorangan dan Pendanaan yang berasal dari nasabah Usaha Mikro dan Usaha Kecil, terdiri dari:
Individual customer deposits and funding originating from Micro Business and Small Business customers, consist of:
a. Simpanan/Pendanaan stabil
Stable savings/funding
b. Simpanan/Pendanaan kurang stabil
Unstable savings/funding
4 Pendanaan yang berasal dari nasabah korporasi, terdiri dari:
Funding originating from corporate customers consists of:
a. Simpanan operasional
Operational Savings
b. Simpanan non-operasional dan/atau kewajiban lainnya yang bersifat non-operasional
Non-operational savings and/or other non-operational liabilities
c. surat berharga berupa surat utang yang diterbitkan oleh bank
securities including debt securities issued by banks
5 Pendanaan dengan agunan (secured funding)
6 Arus kas keluar lainnya (additional requirement), terdiri dari:
a. arus kas keluar atas transaksi derivatif
cash outflow on derivative transactions
b. arus kas keluar atas peningkatan kebutuhan likuiditas
cash outflow on increased liquidity needs
c. arus kas keluar atas kehilangan pendanaan
cash outflow due to loss of funding
d. arus kas keluar atas penarikan komitmen fasilitas kredit dan fasilitas likuiditas
cash outflow on withdrawal of loan facility commitments and liquidity facilities
e. arus kas keluar atas kewajiban kontraktual lainnya terkait penyaluran dana
cash outflow for other contractual obligations related to the distribution of funds
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INDIVIDUAL INDIVIDUAL
Triwulan III 2025 Triwulan IV 2025
Third quarter of 2025 Fourth quarter of 2025
Nilai HQLA setelah Nilai HQLA setelah
pengurangan nilai (haircut), pengurangan nilai (haircut),
outstanding kewajiban dan outstanding kewajiban dan
komitmen dikalikan tingkat komitmen dikalikan tingkat
Nilai outstanding kewajiban penarikan (run-off rate) atau Nilai outstanding kewajiban penarikan (run-off rate) atau
dan komitmen/nilai tagihan nilai tagihan kontraktual dan komitmen/nilai tagihan nilai tagihan kontraktual
kontraktual dikalikan tingkat penerimaan kontraktual dikalikan tingkat penerimaan
Outstanding value of (inflow rate) Outstanding value of (inflow rate)
obligations and commitments/ HQLA value after haircut, obligations and commitments/ HQLA value after haircut,
value of contractual claims outstanding obligations and value of contractual claims outstanding obligations and
commitments multiplied by commitments multiplied by
run-off rate or contractual run-off rate or contractual
receivable value multiplied by receivable value multiplied by
inflow rate inflow rate
Rata-rata dari 3 (tiga) posisi akhir Rata-rata dari 3 (tiga) posisi akhir
bulan terakhir bulan terakhir
Average of 3 (three) positions at the Average of 3 (three) positions at the
end of the last month end of the last month
6.461.742 8.888.315
1.215.383 116.823 1.403.257 135.804
94.313 4.716 90.433 4.522
1.121.070 112.107 1.312.824 131.282
4.528.853 3.451.684 6.845.492 5.621.489
52.575 11.906 141.376 32.788
4.476.277 3.439.778 6.704.116 5.588.701
- - - -
- -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
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Komponen
No
Component
f. arus kas keluar atas kewajiban kontijensi pendanaan lainnya
cash outflow on other funding contingent liabilities
g. arus kas keluar kontraktual lainnya
other contractual cash outflows
7 TOTAL ARUS KAS KELUAR (CASH OUTFLOW)
ARUS KAS MASUK (CASH INFLOW)
8 Pinjaman dengan agunan Secured lending
Loans with collateral Secured lending
9 Tagihan berasal dari pihak lawan (counterparty)
The claims comes from the counterparty
10 Arus kas masuk lainnya
Other cash inflows
11 TOTAL ARUS KAS MASUK
TOTAL CASH INFLOW
12 TOTAL HQLA
13 TOTAL ARUS KAS KELUAR BERSIH
TOTAL NET CASH OUTFLOWS
14 LCR (%)
Keterangan
Description
1Adjusted values dihitung setelah pengenaan pengurangan nilai (haircut), tingkat penarikan (run-off rate), dan tingkat penerimaan (inflow rate) serta
batas maksimum komponen HQLA, misalnya batas maksimum HQLA Level 2B dan HQLA Level 2 serta batas maksimum arus kas masuk yang dapat
diperhitungkan dalam LCR.
1Adjusted values are calculated after the imposition of haircuts, run-off rates, and inflow rates as well as maximum limits on HQLA components, e.g.
maximum limits on HQLA Level 2B and HQLA Level 2 as well as maximum limits on cash inflows that can be taken into account in the LCR.
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INDIVIDUAL INDIVIDUAL
Triwulan III 2025 Triwulan IV 2025
Third quarter of 2025 Fourth quarter of 2025
Nilai HQLA setelah Nilai HQLA setelah
pengurangan nilai (haircut), pengurangan nilai (haircut),
outstanding kewajiban dan outstanding kewajiban dan
komitmen dikalikan tingkat komitmen dikalikan tingkat
Nilai outstanding kewajiban penarikan (run-off rate) atau Nilai outstanding kewajiban penarikan (run-off rate) atau
dan komitmen/nilai tagihan nilai tagihan kontraktual dan komitmen/nilai tagihan nilai tagihan kontraktual
kontraktual dikalikan tingkat penerimaan kontraktual dikalikan tingkat penerimaan
Outstanding value of (inflow rate) Outstanding value of (inflow rate)
obligations and commitments/ HQLA value after haircut, obligations and commitments/ HQLA value after haircut,
value of contractual claims outstanding obligations and value of contractual claims outstanding obligations and
commitments multiplied by commitments multiplied by
run-off rate or contractual run-off rate or contractual
receivable value multiplied by receivable value multiplied by
inflow rate inflow rate
- - - -
- - - -
3.568.507 5.757.299
619.450 - 825.712 -
1.870.512 1.331.831 1.591.195 1.066.100
14 14 173 173
1.331.845 1.066.273
TOTAL ADJUSTED VALUE 1 TOTAL ADJUSTED VALUE 1
6.461.742 8.888.315
2.236.662 4.691.026
288,90% 189,47%
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Analisis
Analysis
1. Bank menunjukkan pengelolaan risiko likuiditas yang kuat dan memadai, yang tercermin dari posisi Liquidity Coverage Ratio (LCR) Triwulan IV 2025
sebesar 189,47%. Meskipun angka ini mengalami penurunan sebesar 99,43% dibandingkan dengan posisi Triwulan III 2025 sebesar 288,90%, rasio
tersebut jauh melampaui persyaratan minimum regulator sebesar 100%. Capaian ini menegaskan kemampuan Bank untuk menjaga dan mengelola
keseimbangan likuiditasnya secara efektif.
2. Analisis Dinamika LCR
Penurunan LCR pada Triwulan IV 2025 disebabkan oleh peningkatan Net Cash Outflow sebesar 109,73% yang melampaui peningkatan pada High
Quality Liquid Assets (HQLA) yang hanya sebesar 37,55%.
3. Aset Likuid Berkualitas Tinggi (HQLA)
Bank secara aktif memperkuat HQLA-nya, yang didominasi oleh aset yang memiliki risiko sangat rendah. Peningkatan HQLA ini terutama didorong
oleh:
a. Peningkatan total Surat Berharga yang diterbitkan oleh Pemerintah Pusat dan Bank Indonesia dalam Rupiah sebesar 30,04%.
b. Peningkatan total Simpanan ke Bank Indonesia sebesar 72,30%.
Secara komposisi, rata-rata HQLA Allo Bank pada Triwulan IV 2025 didominasi oleh Surat Berharga yang diterbitkan Pemerintah Pusat dan Bank
Indonesia dalam Rupiah dengan porsi signifikan sebesar 77,66% (setelah pembobotan), menjamin ketersediaan aset yang mudah dicairkan saat
dibutuhkan.
3. Peningkatan Arus Kas Keluar Bersih (Net Cash Outflow)
Peningkatan Net Cash Outflow sebesar 109,73% terutama berasal dari arus kas keluar yang meningkat signifikan sebesar 61,34%. Hal ini didominasi
oleh peningkatan penarikan pendanaan Nasabah Korporasi sebesar 62,89%. Sementara, arus kas masuk mengalami penurunan, terutama dari
Tagihan berdasarkan pihak lawan sebesar 19,95%, yang lebih lanjut memberi tekanan pada likuiditas Bank.
4. Strategi Diversifikasi Pendanaan
Bank menyadari bahwa konsentrasi rata-rata sumber pendanaan dengan sisa jatuh tempo kurang dari 30 hari pada Triwulan IV 2025 didominasi
oleh Nasabah Korporasi sebesar 97,64% sementara pendanaan dari nasabah perorangan hanya 2,22% (setelah pembobotan). Untuk mengantisipasi
risiko konsentrasi pendanaan ini, Bank secara berkelanjutan berupaya untuk meningkatkan sumber pendanaan dari nasabah perorangan, yang
secara historis dianggap lebih stabil.
5. Eksposur Derivatif dan Mitigasi Risiko
Selama periode Triwulan IV 2025, Bank juga mengelola eksposur derivatif yang berasal dari transaksi fx swap. Eksposur dengan rata-rata terbesar
berasal dari komponen arus kas masuk bersih derivatif sebesar Rp173 juta dan dari komponen arus kas keluar bersih derivatif sebesar Rp6 juta.
6. Komitmen Pengelolaan Risiko Likuiditas
Kemampuan Bank dalam menjaga likuiditasnya tidak terlepas dari penerapan kerangka kerja pengelolaan risiko yang komprehensif. Strategi ini
meliputi:
a. Pemantauan ketat terhadap risk limit likuiditas (appetite limit & tolerance limit).
b. Perhitungan proyeksi arus kas, Maturity Profile Behavioral, Aset Likuid terhadap Non-Core Deposit, dan Net Stable Funding Ratio (NSFR).
c. Pelaksanaan stress testing likuiditas secara berkala.
7. Seluruh kegiatan pengelolaan likuiditas ini didiskusikan dan ditetapkan melalui rapat komite Asset-Liability Committee (ALCO) dan dilaksanakan oleh
unit kerja terkait, mencakup fungsi Funding, Lending, dan Treasury, memastikan Bank selalu siap menghadapi berbagai skenario likuiditas.
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Analisis
Analysis
1. The Bank demonstrates strong and adequate liquidity risk management, as reflected in its Liquidity Coverage Ratio (LCR) position in Q4 2025 of
189.47%. Although this figure declined by 99.43% compared to the Q3 2025 position of 288.90%, the ratio remains well above the regulatory
minimum requirement of 100%. This achievement confirms the Bank’s ability to effectively maintain and manage its liquidity balance.
2. LCR Dynamics Analysis
The decline in LCR in Q4 2025 was driven by a 109.73% increase in Net Cash Outflows, which exceeded the growth in High Quality Liquid Assets
(HQLA) of only 37.55%.
3. High Quality Liquid Assets (HQLA)
The Bank actively strengthened its HQLA, which is dominated by assets with very low risk. The increase in HQLA was mainly driven by:
a. 30.04% increase in total securities issued by the Central Government and Bank Indonesia in Rupiah.
b. 72.30% increase in total placements with Bank Indonesia.
In terms of composition, the Bank’s average HQLA in Q4 2025 was dominated by securities issued by the Central Government and Bank
Indonesia in Rupiah, accounting for a significant portion of 77.66% (after weighting), ensuring the availability of highly liquid assets when
needed.
3. Increase in Net Cash Outflows
The 109.73% increase in Net Cash Outflows primarily stemmed from a significant 61.34% rise in cash outflows. This was mainly driven by a 62.89%
increase in withdrawals from Corporate customers. Meanwhile, cash inflows declined, particularly from claims on counterparties by 19.95%, further
adding pressure to the Bank’s liquidity.
4. Funding Diversification Strategy
The Bank recognizes that the average concentration of funding sources with remaining maturities of less than 30 days in Q4 2025 was dominated by
Corporate customers at 97.64%, while retail customer funding accounted for only 2.22% (after weighting). To anticipate this funding concentration
risk, the Bank continuously strives to increase funding from retail customers, which is historically considered more stable.
5. Derivative Exposure and Risk Mitigation
During Q4 2025, the Bank also managed derivative exposure arising from FX swap transactions. The largest average exposure came from the
derivative net cash inflow component amounting to IDR 173 million and from the derivative net cash outflow component amounting to IDR6 million.
6. Commitment to Liquidity Risk Management
The Bank’s ability to maintain its liquidity is supported by the implementation of a comprehensive risk management framework. This strategy includes:
a. Close monitoring of liquidity risk limits (appetite limits and tolerance limits).
b. Calculation of cash flow projections, Behavioral Maturity Profiles, Liquid Assets to Non-Core Deposits ratio, and the Net Stable Funding Ratio
(NSFR).
c. Regular liquidity stress testing.
7. All liquidity management activities are discussed and determined through Asset-Liability Committee (ALCO) meetings and implemented by relevant
working units, including Funding, Lending, and Treasury functions, ensuring the Bank is always prepared to face various liquidity scenarios.
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Liquidity Risk
Tabel 17: Laporan NSFR
Table 17: NSFR Report
Posisi 30 September 2024
Position as of September 30, 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Komponen ASF
Carrying Value Based on Remaining Period
ASF Component
Tanpa Jangka
6 bln - < 1 th
Waktu < 6 bulan | month 1 tahun | year
6 month - < 1 yr
No Time Period
1 Modal 7.435.998 - - -
Capital:
2 Modal sesuai POJK KPMM 7.435.998 - - -
Capital according to POJK CAR
3 Instrumen modal lainnya - - - -
Other capital instruments
4 Simpanan yang berasal dari nasabah 816.376 1.223.157 168.648 2.681
perorangan dan pendanaan yang
berasal dari nasabah usaha mikro dan
usaha kecil:
Deposits originating from individual
customers and funding originating
from micro and small business
customers:
5 Simpanan dan Pendanaan Stabil 82.519 47 48 -
Stable Savings and Funding
6 Simpanan kurang stabil 733.857 1.223.111 168.599 2.681
Unstable savings
7 Pendanaan yang berasal dari nasabah 194.672 6.413.424 - -
korporasi:
Funding originating from corporate
customers:
8 Simpanan operasional 47.069 - - -
Operational savings
9 Pendanaan lainnya yang berasal dari 147.602 6.413.424 - -
nasabah korporasi
Other funding comes from corporate
customers
10 Liabilitas yang memiliki pasangan aset - - - -
yang saling bergantung
Liabilities that have interdependent
asset pairs
11 Liabilitas dan ekuitas lainnya 403.697 4 - -
Liabilities and other equity:
12 NSFR liabilitas derivatif 4 - -
NSFR derivative liabilities
13 ekuitas dan liabilitas lainnya yang tidak 403.697 - - -
masuk dalam kategori diatas
equity and other liabilities that are not
included in the above categories
14 Total ASF
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Posisi 31 Desember 2024
Position as of December 31, 2024
Total Nilai
Tertimbang Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Total Weighted Carrying Value Based on Remaining Period Total Nilai
Value Tertimbang
Total Weighted
Tanpa Jangka Value
6 bln - < 1 th
Waktu < 6 bulan | month 1 tahun | year
6 month - < 1 yr
No Time Period
7.435.998 7.562.956 - - - 7.562.956
7.435.998 7.562.956 - - - 7.562.956
- - - - - -
1.994.175 933.748 1.241.832 137.463 7.473 2.093.937
78.483 94.420 69 - - 89.764
1.915.692 839.328 1.241.763 137.463 7.473 2.004.173
1.149.135 295.992 7.707.430 - - 1.430.867
23.535 83.591 - - - 41.796
1.125.600 212.401 7.707.430 - - 1.389.071
- - - - - -
7.241 382.556 - - - 1.741
- - -
7.241 382.556 - - - 1.741
10.586.549 11.089.501
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Posisi 30 September 2024
Position of September 30, 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Komponen RSF
Carrying Value Based on Remaining Period
RSF Component
Tanpa Jangka
6 bln - < 1 th
Waktu < 6 bulan | months ≥ 1 tahun | year
6 months - < 1 year
No Time Period
15 Total HQLA dalam rangka perhitungan
NSFR
Total HQLA in the framework of NSFR
calculations
16 Simpanan pada lembaga keuangan 125.193 - - -
lain untuk tujuan operasional
Deposits with other financial
institutions for operational purposes
17 Pinjaman dengan kategori Lancar dan - 2.821.649 1.937.381 4.726.214
Dalam Perhatian Khusus (performing)
dan surat berharga
Loans in the Current and Special
Mention categories (performing) and
securities
18 kepada lembaga keuangan yg dijamin - 1.086.177 - -
dg HQLA Level 1
to financial institutions guaranteed
with HQLA Level 1
19 kepada lembaga keuangan yg dijamin - - - -
bukan dg HQLA Level 1 dan pinjaman
kepada lembaga keuangan tanpa
jaminan
to financial institutions guaranteed
with HQLA Level 1 and savings to
financial institution without guarantee
20 kepada perusahaan non-keuangan, - 1.735.472 1.937.381 4.677.648
nasabah perorangan dan nasabah
usaha mikro dan usaha kecil,
Pemerintah Indonesia, pemerintah
negara lain, Bank Indonesia, bank
sentral negara lain dan entitas sektor
publik, yang diantaranya:
to non-financial companies, individual
customers and micro and small
business customers, the Government
of Indonesia, governments of other
countries, Bank Indonesia, central
banks of other countries and public
sector entities, including:
21 memenuhi kualifikasi untuk mendapat - - - -
bobot risiko 35% atau kurang, sesuai
SE OJK ATMR untuk Risiko Kredit
meet the qualifications to receive a
risk weight of 35% or less, according
to the OJK RWA SE for Credit Risk
22 Kredit beragun rumah tinggal yang - - - -
tidak sedang dijaminkan, yang
diantaranya:
Residential mortgages that are not
collateralized include:
23 memenuhi kualifikasi untuk mendapat - - - -
bobot risiko 35% atau kurang, sesuai
SE OJK ATMR untuk Risiko Kredit
meet the qualifications to receive a
risk weight of 35% or less, according
to the OJK RWA SE for Credit Risk
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Posisi 31 Desember 2024
Position as of December 31, 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Total Nilai Carrying Value Based on Remaining Period Total Nilai
Tertimbang Tertimbang
Total Weighted Tanpa Jangka Total Weighted
6 bln - < 1 th
Value Waktu < 6 bulan | months ≥ 1 tahun | year Value
6 months - < 1 year
No Time Period
248.567 334.727
62.597 161.972 - - - 80.986
6.663.973 - 2.531.945 1.582.728 5.663.973 7.440.948
108.618 - 288.949 - - 28.895
- - 450.050 - - 67.508
6.514.074 - 1.792.946 1.582.728 5.615.548 7.303.385
- - - - - -
- - - - - -
- - - - - -
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Posisi 30 September 2024
Position of September 30, 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Komponen RSF
Carrying Value Based on Remaining Period
RSF Component
Tanpa Jangka
6 bln - < 1 th
Waktu < 6 bulan | months ≥ 1 tahun | year
6 months - < 1 year
No Time Period
24 Surat Berharga yang tidak sedang - - - 48.566
dijaminkan, tidak gagal bayar, dan
tidak masuk sebagai HQLA, termasuk
saham yang diperdagangkan di bursa
Securities that are not being pledged
as collateral, are not in default, and
are not included as HQLA, including
shares traded on the stock exchange
25 Aset yang memiliki pasangan liabilitas - - - -
yang saling bergantung
An asset that has an interdependent
liability pair
26 Aset lainnya: 674.874 69.283 37.528 273.830
Other assets:
27 Komoditas fisik yang diperdagangkan, -
termasuk emas
Physical commodities traded,
including gold
28 Kas, surat berharga dan aset lainnya -
yang dicatat sebagai initial margin
untuk kontrak derivatif dan kas atau
aset lain yang diserahkan sebagai
default fund pada central counterparty
(CCP)
Cash, securities and other assets
recorded as initial margin for
derivative contracts and cash or other
assets submitted as default funds to
the central counterparty (CCP)
29 NSFR aset derivatif 815
NSFR derivative assets
30 NSFR liabilitas derivatif sebelum -
dikurangi dengan variation margin
NSFR derivative liabilities before
deducting variation margin
31 Seluruh aset lainnya yg tidak masuk 674.874 69.283 37.528 273.830
dalam kategori di atas
All other assets that do not fall into the
above categories
32 Rekening Administratif 6.141.173
Administrative Accounts
33 Total RSF
34 Rasio Pendanaan Stabil Bersih
Net Stable Funding Ratio
Analisis Kualitatif
Qualitative Analysis
● NSFR (Net Stable Funding Ratio) posisi 31 Desember 2025 sebesar 120.46%, turun 8.94% bila dibandingkan NSFR posisi 30 September 2025 yaitu
sebesar 129.40%. Kenaikan NSFR ini terutama disebabkan oleh peningkatan dari RSF (Required Stable Funding) sebesar 12.52% jika dibandingkan
Triwulan sebelumnya.
● Peningkatan NSFR Bank disebabkan oleh beberapa hal sebagai berikut:
ASF:
• Total ASF naik 4.75% bila dibandingkan NSFR posisi 30 September 2025.
• Peningkatan ASF disebabkan adanya peningkatan pendanaan yang berasal dari nasabah korporasi sebesar 24.52%.
• Rasio pendanaan stabil dibandingkan non-stabil Bank adalah 4.48%.
● RSF:
• Total RSF mengalami peningkatan 12.52% bila dibandingkan NSFR posisi 30 September 2025.
• Peningkatan RSF didominasi oleh pinjaman dengan kategori lancar dan dalam perhatian khusus dan surat berharga sebesar Rp777 miliar bila
dibandingkan NSFR posisi 30 September 2025.
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Posisi 31 Desember 2024
Position as of December 31, 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Total Nilai Carrying Value Based on Remaining Period Total Nilai
Tertimbang Tertimbang
Total Weighted Tanpa Jangka Total Weighted
6 bln - < 1 th
Value Waktu < 6 bulan | months ≥ 1 tahun | year Value
6 months - < 1 year
No Time Period
41.281 - - - 48.425 41.161
- - - - - -
1.055.515 739.644 87.431 50.830 303.621 1.181.525
- - -
- - -
815 6.592 6.592
- - -
1.054.700 739.644 87.431 50.830 303.621 1.174.934
150.764 7.109.306 167.681
8.181.415 9.205.868
129,40% 120,46%
Analisis Kualitatif
Qualitative Analysis
● The NSFR (Net Stable Funding Ratio) as of 31 December 2025 stood at 120.46%, a decrease of 8.94% compared to the NSFR position as of
30 September 2025, which was 129.40%. The change in NSFR was primarily driven by an increase in Required Stable Funding (RSF) of 12.52%
compared to the previous quarter.
● The Bank’s NSFR movement was influenced by the following factors:
ASF:
• Total ASF increased by 4.75% compared to the NSFR position as of 30 September 2025.
• The increase in ASF was driven by higher funding from corporate customers, which rose by 24.52%.
• The ratio of stable to non-stable funding of the Bank was 4.48%.
● RSF:
• Total RSF increased by 12.52% compared to the NSFR position as of 30 September 2025.
• The increase in RSF was mainly driven by loans classified as current and special mention, as well as securities, amounting to IDR777 billion
• compared to the NSFR position as of 30 September 2025.
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Liquidity Ratio
Tabel 38: Aset Terikat
Encumbrance
a b c d
Aset yang disimpan atau
diperjanjikan dengan bank sentral
namun belum digunakan untuk
Aset Terikat Aset tidak terikat
menghasilkan likuiditas Total
Encumbered Unencumbered
Assets held or contracted with the
central bank but not yet used to
generate liquidity
dalam jutaan Rupiah | In million Rupiah
Kas - - 2.572 2.572
Cash
Penempatan pada BI
Placement in Bank Indonesia
GWM Primer - 539.767 - 539.767
Primary GWM
GWM RIM - - - -
RIM
GWM PLM - 337.617 - 337.617
PLM GWM
FASBI - - - -
Surat Berharga Pemerintah - - 6.694.544 6.742.969
Government Securities
Surat Berharga Korporasi - - 48.425 48.425
Corporate Securities
Reverse Repo 288.949 - - 288.949
Repo 796.295 - - 796.295
Analisis Kualitatif
Qualitative Analysis
a. Aset Terikat (Encumbered Asset) merupakan aset yang dimiliki oleh Bank, namun terbatas untuk kebutuhan likuiditas secara legal maupun
kontraktual. Aset Terikat juga tidak termasuk aset yang disimpan atau diperjanjikan dengan Bank Indonesia yang belum digunakan untuk
menghasilkan likuiditas. Saat ini, Bank memiliki aset terikat yang terdiri dari Repo sebesar Rp796 Miliar, Reverse Repo sebesar Rp289 Miliar (jangka
waktu jatuh tempo rata-rata di bawah 1 bulan) dan Surat Berharga Pemerintah sebesar Rp6,74 triliun.
Encumbered Assets are assets owned by the Bank, but limited to legal or contractual liquidity needs. Encumbered Assets also do not include assets
deposited or agreed with Bank Indonesia that have not been used to generate liquidity. Currently, the Bank has tied assets consisting of Repo of
IDR796 billion, Reverse Repo of IDR289 billion (average maturity of less than 1 month) and Government Securities of IDR6.74 trillion.
b. Bank memiliki aset yang disimpan atau diperjanjikan dengan Bank Indonesia berupa GWM Primer sebesar Rp540 miliar dan GWM PLM sebesar
Rp338 miliar. Aset yang disimpan di Bank Indonesia tersebut belum digunakan untuk menghasilkan likuiditas namun tetap diperhitungkan sebagai
HQLA sebagaimana diatur dalam POJK Liquidity Coverage Ratio (LCR)
The Bank has assets deposited or agreed with Bank Indonesia in the form of Primary GWM amounting to IDR540 billion and PLM GWM amounting
to IDR338 billion. The assets deposited with Bank Indonesia have not been used to generate liquidity but are still calculated as HQLA as stipulated in
POJK Liquidity Coverage Ratio (LCR).
c. Aset Tidak Terikat merupakan aset yang memenuhi syarat sebagai HQLA sebagaimana diatur dalam POJK Liquidity Coverage Ratio (LCR). Saat ini
Bank memiliki aset tidak terikat berupa Kas dan Surat Berharga Pemerintah.
Unrestricted Assets are assets that qualify as HQLA as stipulated in POJK Liquidity Coverage Ratio (LCR). Currently the Bank has unrestricted assets
in the form of Cash and Government Securities.
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Risiko Likuiditas
Liquidity Risk
Tabel 39 : LIQA - Manajemen Risiko Likuiditas
Table 39 : LIQA - Liquidity Risk Management
LIQA - Manajemen Risiko Likuiditas
LIQA - Liquidity Risk Management
Pengungkapan kualitatif
Qualitative disclosure
1. Tata kelola pengelolaan risiko likuiditas, termasuk: toleransi risiko; struktur dan tanggung jawab pengelolaan risiko likuiditas; pelaporan likuiditas
internal; dan komunikasi strategi, kebijakan dan praktik risiko likuiditas di seluruh lini bisnis dan dengan dewan direksi.
Liquidity risk management governance, including: risk tolerance; liquidity risk management structure and responsibilities; internal liquidity reporting;
and communication of liquidity risk strategies, policies and practices across business lines and with the board of directors.
a. Toleransi Risiko
Risk Tolerance
Bank menetapkan limit toleransi (risk tolerance) & risk appetite Risiko Likuiditas yang konsisten dan relevan dengan bisnis serta kompleksitas
kegiatan usaha Bank. Limit tersebut meliputi antara lain limit Liquidity Coverage Ratio (LCR), limit Net Stable Funding Ratio (NSFR), limit Rasio
Intermediasi Makroprudensial (RIM), limit mismatch arus kas baik dalam jangka pendek maupun jangka panjang termasuk arus kas yang
berasal dari rekening administratif, limit konsentrasi pada aset dan kewajiban, dan rasio-rasio likuiditas lainnya. Penetapan limit toleransi
dilakukan agar Bank dapat mengelola likuiditas pada kondisi normal maupun krisis. Penetapan besaran limit risk appetite dan risk tolerance
diajukan oleh Satuan Kerja Manajemen Risiko (SKMR) dan disetujui oleh Dewan Direksi dan Komisaris melalui Komite Manajemen Risiko (KMR).
Apabila terjadi pelampauan limit, maka Satuan Kerja Manajemen Risiko (SKMR) akan berkoordinasi dengan Unit Bisnis terkait untuk menyusun
action plan.
The Bank sets tolerance limits (risk tolerance) & risk appetiteLiquidity Risk that is consistent and relevant to the business and complexity of the
Bank's business activities. These limits include, among others, Liquidity Coverage Ratio (LCR) limits, Net Stable Funding Ratio (NSFR) limits,
Macroprudential Intermediation Ratio (RIM) limits, cash flow mismatch limits both in the short and long term including cash flows originating
from administrative accounts, concentration limits on assets and liabilities, and other liquidity ratios. Tolerance limits are determined so that the
Bank can manage liquidity in normal and crisis conditions. Determination of the risk appetite and risk tolerance limits is proposed by the Risk
Management Work Unit (SKMR) and approved by the Board of Directors and Commissioners through the Risk Management Committee (KMR).
If the limit is exceeded, the Risk Management Work Unit (SKMR) will coordinate with the relevant Business Unit to prepare an action plan.
b. Struktur dan Tanggung Jawab Pengelolaan Risiko Likuiditas
Liquidity Risk Management Structure and Responsibilities
Bank menetapkan struktur organisasi, perangkat dan kelengkapan unit/fungsi terkait dengan penerapan manajemen risiko untuk Risiko
Likuiditas yang sesuai dengan karakteristik dan kompleksitas kegiatan usaha Bank. Penanggung jawab dari pengelolaan Risiko Likuiditas
adalah Unit Bisnis yang aktivitasnya terekspos langsung oleh Risiko Likuiditas. Unit Bisnis tersebut selanjutnya dibantu oleh Enterprise,
Operational and Market Risk (EOMR) dengan memberikan masukan dan analisa yang objektif dalam proses identifikasi, pengukuran,
pemantauan, dan pelaporan Risiko Likuiditas secara independen. Dewan Direksi dan Komisaris bertanggung jawab untuk memastikan bahwa
penerapan manajemen Risiko Likuiditas telah sesuai dengan tujuan strategis, skala, karakteristik bisnis, dan profil Risiko Likuiditas Bank,
termasuk memastikan integrasi penerapan manajemen risiko untuk Risiko Likuiditas dengan risiko-risiko lainnya yang dapat berdampak pada
posisi likuiditas Bank.
The Bank establishes the organizational structure, tools and completeness of units/functions related to the implementation of risk management
for Liquidity Risk in accordance with the characteristics and complexity of the Bank's business activities. The person in charge of Liquidity Risk
management is the Business Unit whose activities are directly exposed to Liquidity Risk. The Business Unit is further assisted by Enterprise,
Operational and Market Risk (EOMR) by providing input and objective analysis in the process of identifying, measuring, monitoring and
reporting Liquidity Risk independently. The Board of Directors and Commissioners are responsible for ensuring that the implementation of
Liquidity Risk management is in accordance with the Bank's strategic objectives, scale, business characteristics, and Liquidity Risk profile,
including ensuring the integration of risk management implementation for Liquidity Risk with other risks that may impact the Bank's liquidity
position.
c. Pelaporan Likuiditas Internal dan Komunikasi Strategi
Internal Liquidity Reporting and Strategy Communication
Bank memiliki Sistem Informasi Manajemen Risiko yang memadai dan andal untuk keperluan pelaporan terkait Risiko Likuiditas. Secara umum,
Bank telah menyampaikan dan melaporkan informasi terkait manajemen risiko untuk Risiko Likuiditas yang terdiri dari: rasio-rasio likuiditas,
arus kas dan profil maturitas, stress testing Likuiditas, Profil Risiko Likuiditas, serta informasi lainnya yang terkait dengan posisi Likuiditas Bank
dan kepatuhan Bank terhadap kebijakan dan prosedur Risiko Likuiditas. Seluruh informasi disampaikan ke Unit Bisnis terkait serta Dewan
Direksi dan Komisaris melalui kanal sistem informasi internal Bank dan rapat Komite Manajemen Risiko (KMR) secara bulanan. Enterprise,
Operational and Market Risk (EOMR) selanjutnya akan berkoordinasi secara periodik dengan Unit Bisnis terkait yang mengelola Risiko Likuiditas
jika terjadi pelampauan terhadap kebijakan maupun limit untuk Risiko Likuiditas dan menyusun rencana aksi (action plan).
The Bank has an adequate and reliable Risk Management Information System for reporting purposes related to Liquidity Risk. In general,
the Bank has submitted and reported information related to risk management for Liquidity Risk consisting of: Liquidity ratios, cash flow and
maturity profile, Liquidity stress testing, Liquidity Risk Profile, and other information related to the Bank's Liquidity position and the Bank's
compliance with Liquidity Risk policies and procedures. All information is submitted to the relevant Business Units as well as the Board of
Directors and Commissioners through the Bank's internal information system channels and monthly Risk Management Committee (KMR)
meetings. Enterprise, Operational and Market Risk (EOMR) will then coordinate periodically with the relevant Business Units that manage
Liquidity Risk in the event of an exceedance of the policy or limit for Liquidity Risk and develop an action plan.
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LIQA - Manajemen Risiko Likuiditas
LIQA - Liquidity Risk Management
d. Kebijakan dan Praktik Risiko Likuiditas di Seluruh Lini Bisnis dan dengan Dewan Direksi
Liquidity Risk Policies and Practices across Business Lines and with the Board of Directors
Dalam prakteknya, Unit Bisnis yang terekspos oleh Risiko Likuiditas akan menyampaikan informasi mengenai kondisi indikator makroekonomi
dan proyeksi bisnis melalui rapat Asset and Liability Committee (ALCO) serta dapat mengajukan besaran limit dan toleransi risiko yang terkait
dengan Risiko Likuiditas kepada Enterprise, Operational and Market Risk (EOMR) untuk dikaji dan diajukan ke Komite Manajemen Risiko untuk
mendapatkan persetujuan. Unit Bisnis terkait juga menyusun action plan, mengembangkan risk culture yang kuat, serta menerapkan kebijakan
dan prosedur manajemen risiko untuk Risiko Likuiditas yang telah ditetapkan oleh Dewan Direksi. Selanjutnya Dewan Direksi akan memantau
dan memastikan bahwa penerapan manajemen risiko untuk Risiko Likuiditas telah berjalan sesuai dengan tujuan dan karakteristik Bank
dengan dibantu oleh Enterprise, Operational and Market Risk (EOMR).
In practice, Business Units exposed to Liquidity Risk will submit information on the condition of macroeconomic indicators and business
projections through Asset and Liability Committee (ALCO) meetings and may submit the amount of limits and risk tolerance associated with
Liquidity Risk to the Enterprise, Operational and Market Risk (EOMR) for review and submission to the Risk Management Committee for
approval. The relevant Business Unit also develops action plans, develops a strong risk culture, and implements risk management policies
and procedures for Liquidity Risk that have been determined by the Board of Directors. Furthermore, the Board of Directors will monitor and
ensure that the implementation of risk management for Liquidity Risk has run in accordance with the objectives and characteristics of the Bank
with the assistance of Enterprise, Operational and Market Risk (EOMR).
2. Strategi pendanaan, termasuk kebijakan sumber diversifikasi dan tenor pendanaan, dan apakah strategi pendanaannya terpusat atau
terdesentralisasi.
Funding strategy, including diversification source policy and funding tenor, and whether the funding strategy is centralized or decentralized.
Secara umum, Bank akan menyusun strategi pendanaan sebagai bagian dari upaya pengendalian Risiko Likuiditas. Strategi tersebut mencakup
strategi diversifikasi sumber dan jangka waktu pendanaan yang dikaitkan dengan karakteristik dan rencana bisnis Bank. Hal ini tercantum dalam limit
risiko Untuk Risiko Likuiditas terkait dengan konsentrasi pendanaan seperti konsentrasi Deposito terhadap Total DPK, konsentrasi DPK special rate
terhadap Total DPK, konsentrasi DPK Korporasi terhadap Total DPK, serta konsentrasi Kewajiban Interbank.
In general, the Bank will develop a funding strategy as part of efforts to control Liquidity Risk. This strategy includes a strategy to diversify sources
and funding periods that are linked to the characteristics and business plans of the Bank. This is stated in the risk limit for Liquidity Risk related to
funding concentrations such as the concentration of Deposits to Total DPK, the concentration of special rate DPK to Total DPK, the concentration of
Corporate DPK to Total DPK, and the concentration of Interbank Liabilities.
3. Teknik mitigasi risiko likuiditas.
Liquidity risk mitigation techniques.
Bank melakukan mitigasi risiko likuiditas dengan cara memantau limit-limit risiko likuiditas yang telah ditetapkan oleh manajemen Bank. Apabila
limit tersebut mengalami pelampauan (breach), maka Enterprise, Operational and Market Risk (EOMR) berkordinasi dengan Unit Bisnis Terkait untuk
melakukan action plan.
The Bank mitigates liquidity risk by monitoring the liquidity risk limits set by the Bank's management. If the limit is breached, the Enterprise,
Operational and Market Risk (EOMR) will coordinate with the relevant Business Unit to conduct an action plan.
4. Penjelasan tentang bagaimana stress-test digunakan.
An explanation of how stress tests are used.
Stress Testing Likuiditas digunakan untuk mengetahui kemampuan Bank untuk memenuhi kebutuhan likuiditas dalam kondisi krisis dengan
menggunakan skenario stress test secara spesifik (Bank specific scenario) maupun stress pada pasar (general market stress scenario).
Liquidity Stress Testing is used to determine the Bank's ability to meet liquidity needs in crisis conditions using Bank specific scenarios and general
market stress scenarios.
5. Garis besar rencana pendanaan mendesak bank.
Outline of the bank's urgent funding plan.
Dalam rangka pengendalian likuiditas dalam kondisi krisis, dibentuk suatu organisasi Business Continuity Management (BCM) yang memiliki tugas
dan tanggung jawab melakukan pemantauan secara continue mengenai kondisi likuiditas bank. Apabila kondisi likuiditas bank berada dalam kriteria
risiko high, maka Bank akan mengaktifkan Rencana Pendanaan Darurat.
In order to control liquidity in crisis conditions, a Business Continuity Management (BCM) organization has been established with the duty and
responsibility to continuously monitor the bank's liquidity condition. If the bank's liquidity condition is within the high risk criteria, the Bank will
activate the Emergency Funding Plan.
6. Alat ukur atau metrik yang disesuaikan yang menilai struktur neraca bank atau arus kas proyeksi dan posisi likuiditas masa depan, dengan
memperhitungkan risiko transaksi rekening administratif yang khusus untuk bank tersebut.
A customized measurement tool or metric that assesses a bank's balance sheet structure or projected cash flows and future liquidity position, taking
into account administrative account transaction risks specific to that bank.
Pengukuran yang digunakan Bank dalam melakukan proyeksi arus kas yaitu dengan melihat kegiatan bisnis utama bank berdasarkan pendekatan
informasi bisnis, remaining maturity (contractual) maupun behavioral dalam on & off balance sheet. Selain itu, bank juga melakukan Rencana
Pendanaan/Penggunaan (RPP) dalam pengelolaan likuiditas jangka pendek.
The measurement used by the Bank in making cash flow projections is by looking at the bank's main business activities based on business
information, remaining maturity (contractual) and behavioral approaches on & off balance sheet. In addition, the bank also conducts a Funding /
Utilization Plan (RPP) in managing short-term liquidity.
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Risiko Operasional
Operational Risk
Tabel 40 : Pengungkapan Risiko Operasional - Bank Secara Individu
Table 40: Operational Risk Disclosure - Bank Individually
Pendekatan yang Digunakan Jumlah
No.
Approach Total
dalam jutaan Rupiah | In million Rupiah
1 Pendekatan Standar
Standard Approach
- Komponen Indikator Bisnis (KIB) 52.140,94
- Components of Business Indicators (KIB)
- Faktor Pengali Kerugian Intern (FPKI) 1,00000000
- Internal Loss Multiplier Factor (FPKI)
- Modal Minimum Risiko Operasional (MMRO) 52.140,94
- Minimum Operational Risk Capital (MMRO)
- ATMR untuk Risiko Operasional 651.761,75
- RWA for Operational Risk
Risiko Operasional
Operational Risk
Tabel 41 : Pengungkapan Kualitatif Umum
Table 41: General Qualitative Disclosures
Analisis Kualitatif
Qualitative Analysis
1. Bank telah mengimplementasikan kebijakan manajemen risiko sesuai dengan Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/ 2016 dan Surat
Edaran OJK No. 34/SEOJK/032016 tentang Penerapan Manajemen Risiko Bagi Bank Umum serta mengacu juga pada peraturan internal mengenai
Kebijakan Manajemen Risiko.
Beberapa Kebijakan Internal yang terkait Manajemen Risiko Operasional diantaranya SK Manajemen Risiko Operasional; SE Kerangka Kerja
Manajemen Risiko; SK Risk Appetite Framework, SK Komite Manajemen Risiko; SE Pedoman Penyusunan ATMR Risiko Operasional; SE Pedoman
Penyusunan Profil Risiko; SK Kewajiban Penyediaan Modal Minimum (KPMM) sesuai Profil Risiko; SK Kebijakan Risk Limit; SE Pengelolaan Risiko
Produk Bank; SE Risk Control & Self Assessment (RCSA); SE Key Risk Indicator (KRI); SE Prosedur dan Panduan Incident Reporting & Management;
SK Implementasi Responsible Person (RP) pada Masing-Masing Divisi; SK Crisis Management Plan (CMP); SK Business Continuity Management
(BCM); SK Business Continuity Plan (BCP); SE Prosedur dan Penyusunan BIA dan BCP Unit Kerja; dan SK Kebijakan Risk Management Terkait
Kegiatan Alih Daya.
Kebijakan Manajemen Risiko Operasional berperan sebagai panduan bagi Bank dalam mengelola Risiko Operasional yang melekat pada berbagai
aktivitas Operasional dan Bisnis Bank, terutama untuk menetapkan tanggung jawab, akuntabilitas, dan menyelaraskan proses kerja. Harapannya, hal
ini dapat mengurangi potensi kerugian yang disebabkan oleh gangguan proses internal, kesalahan manusia, kegagalan sistem, dan/atau peristiwa-
peristiwa eksternal, dengan mengantisipasi timbulya insiden/ kesalahan akibat kurangnya pengelolaan Risiko Operasional yang efektif.
The Bank has implemented risk management policies in accordance with the Financial Services Authority Regulation No. 18/POJK.03/ 2016 and
OJK Circular Letter No. 34/SEOJK/032016 concerning the Implementation of Risk Management for Commercial Banks and also refers to internal
regulations regarding Risk Management Policies.
Some of the Internal Policies related to Operational Risk Management include Operational Risk Management Decree; Risk Management
Framework Decree; Risk Appetite Framework Decree, Risk Management Committee Decree; Operational Risk RWA Preparation Guidelines; Risk
Profile Preparation Guidelines; Minimum Capital Adequacy Decree (CAR) according to Risk Profile; Risk Limit Policy Decree; SE Bank Product
Risk Management; SE Risk Control & Self Assessment (RCSA); SE Key Risk Indicator (KRI); SE Incident Reporting & Management Procedures and
Guidelines; SK Responsible Person (RP) Implementation in Each Division; SK Crisis Management Plan (CMP); SK Business Continuity Management
(BCM); SK Business Continuity Plan (BCP); SE Procedures and Preparation of BIA and BCP Work Units; and SK Risk Management Policies Related
to Outsourcing Activities.
The Operational Risk Management Policy serves as a guide for the Bank in managing Operational Risk inherent in various Operational and Business
activities of the Bank, especially to assign responsibilities, accountabilities, and harmonize work processes. It is expected to reduce potential losses
caused by internal process disruptions, human errors, system failures, and/or external events, by anticipating the occurrence of incidents/errors due
to lack of effective Operational Risk management.
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2. Dalam rangka meningkatkan efektivitas implementasi Manajemen Risiko Operasional, Bank telah memiliki Unit Kerja Enterprise, Operational, and
Market Risk (EOMR) yang salah satu fungsinya terkait Manajemen Risiko Operasional dan berada dibawah koordinasi Satuan Kerja Manajemen
Risiko dengan tugas dan tanggung jawab yang telah dirumuskan dengan jelas dan akuntabel. Unit Kerja ini memiliki tugas membantu Direksi dalam
mengelola Risiko Operasional, memantau proses pelaksanaan Manajemen Risiko Operasional secara menyeluruh, memastikan kebijakan Manajemen
Risiko Operasional berjalan pada seluruh tingkat Organisasi Bank. Dalam pelaksanaannya Unit Kerja EOMR berkoordinasi dengan beberapa Unit
Kerja pada setiap kesempatan seperti Unit Kerja Internal Audit, Unit Kerja Cyber Risk, Unit Kerja Legal, Unit Kerja Kepatuhan serta Unit Kerja untuk
membahas isu-isu Risiko Operasional yang kritikal agar risiko-risiko tersebut dapat dimitigasi dan dikendalikan secara efektif sejak dini.
Untuk mendukung implementasi Kerangka Kerja Manajemen Risiko Operasional telah dibentuk 3 unsur penanggung jawab pengelola di masing-
masing Unit Kerja yang terdiri dari Risk Owner, Operational Risk Manager (Risk Specialist) dan Responsible Person (RP). Risk Owner merupakan
pemimpin tertinggi di Direktorat, Unit Kerja Bisnis dan unit kerja pendukung yang bertanggung jawab mengelola Risiko Operasional di unit kerja
yang dipimpinnya, termasuk memastikan dipatuhinya peraturan dalam pelaksanaan kegiatan bisnis, operasional, dan transaksional. Operational Risk
Manager (ORM) merupakan fungsi manajemen Risiko Operasional yang membantu Risk Owner mengimplementasikan Kerangka Kerja Manajemen
Risiko Operasional. Responsible Person (RP) yang ditunjuk langsung oleh Direktur dan Kepala Divisi, bertugas membantu Kepala Divisinya
mengelola Risiko Operasional terutama dalam hal Pelaporan Kejadian Risiko (Incident Report), Risk & Control Self-Assessment (RCSA), Key Risk
Indicators (KRI) serta permasalahan risiko operasional lainnya yang tidak tercover pada area kerjanya.
Selain menjalankan fungsi pengelolaan Risiko Operasional, Unit Kerja EOMR juga bertanggung jawab dalam mengoordinasikan implementasi
Internal Control over Financial Reporting (ICoFR) di seluruh lini organisasi. Penerapan ICoFR ini bertujuan untuk memberikan keyakinan memadai
bahwa laporan keuangan Bank disusun secara akurat, andal, dan sesuai dengan standar akuntansi yang berlaku, guna memitigasi risiko salah saji
material.
Dalam pelaksanaannya, Unit Kerja EOMR melakukan identifikasi terhadap akun-akun signifikan dan proses bisnis kritis yang berdampak langsung
pada pelaporan keuangan. Melalui kerangka kerja ini, Bank melakukan evaluasi atas kecukupan rancangan (design effectiveness) serta efektivitas
implementasi (operating effectiveness) dari kontrol-kontrol utama yang ada. Sinergi antara pengelolaan Risiko Operasional dan ICoFR ini
memastikan bahwa setiap celah pengendalian dalam proses bisnis tidak hanya dimitigasi dari sisi kerugian finansial langsung, tetapi juga dijaga
integritasnya dalam sistem pelaporan keuangan Bank.
Selain fungsi pengendalian rutin, Unit Kerja EOMR juga memegang peranan strategis dalam penyusunan dan pemutakhiran Rencana Aksi
Pemulihan (Recovery Plan) Bank. Unit ini bertanggung jawab untuk memastikan bahwa Bank memiliki kerangka kerja yang komprehensif dalam
menghadapi kondisi tekanan (stress event) yang ekstrim namun mungkin terjadi.
Dalam fungsinya tersebut, Unit Kerja EOMR menetapkan Indikator Pemicu (Recovery Indicators) yang mencakup aspek permodalan, likuiditas,
rentabilitas, dan kualitas aset. Unit ini melakukan pemantauan secara berkala terhadap indikator-indikator tersebut guna memastikan deteksi dini
atas potensi permasalahan finansial. Apabila indikator pemicu terlampaui, Unit Kerja EOMR berkoordinasi dengan Manajemen untuk mengaktifkan
opsi pemulihan (recovery options) yang telah disiapkan, guna mengembalikan posisi kesehatan Bank ke tingkat normal tanpa memerlukan bantuan
dari pihak eksternal. Sinergi ini mempertegas komitmen Bank dalam menjaga kelangsungan usaha dan stabilitas sistem keuangan.
In order to improve the effectiveness of Operational Risk Management implementation, the Bank has an Enterprise, Operational, and Market Risk
(EOMR) Work Unit, one of whose functions is related to Operational Risk Management and is under the coordination of the Risk Management Work
Unit with clearly defined and accountable duties and responsibilities. This Working Unit has the task of assisting the Board of Directors in managing
Operational Risk, monitoring the overall Operational Risk Management implementation process, ensuring Operational Risk Management policies
are implemented at all levels of the Bank's Organization. In its implementation, the EOMR Work Unit coordinates with several Work Units on every
occasion such as the Internal Audit Work Unit, Cyber Risk Work Unit, Legal Work Unit, Compliance Work Unit and Work Units to discuss critical
Operational Risk issues so that these risks can be effectively mitigated and controlled early on.
To support the implementation of the Operational Risk Management Framework, 3 elements of responsible managers have been established in
each Work Unit consisting of Risk Owner, Operational Risk Manager (Risk Specialist) and Responsible Person (RP). The Risk Owner is the highest
leader in the Directorate, Business Unit and supporting work units who is responsible for managing Operational Risk in the work unit he leads,
including ensuring compliance with regulations in the implementation of business, operational and transactional activities. Operational Risk
Manager (ORM) is an Operational Risk management function that helps the Risk Owner implement the Operational Risk Management Framework.
The Responsible Person (RP) who is appointed by Director and Division Head, is tasked with assisting the Head of the Division in managing
Operational Risk, especially in terms of Incident Reporting, Risk & Control Self-Assessment (RCSA), Key Risk Indicators (KRI) and other operational
risk issues that are not covered in their work area.
In addition to its Operational Risk management functions, the Enterprise, Operational, and Market Risk (EOMR) Work Unit is responsible for
coordinating the implementation of Internal Control over Financial Reporting (ICoFR) across all organizational lines. The implementation of ICoFR
aims to provide reasonable assurance that the Bank's financial statements are prepared accurately, reliably, and in accordance with applicable
accounting standards, in order to mitigate the risk of material misstatement.
In its execution, the EOMR Work Unit identifies significant accounts and critical business processes that have a direct impact on financial reporting.
Through this framework, the Bank evaluates the design effectiveness and operating effectiveness of existing key controls. The synergy between
Operational Risk management and ICoFR ensures that any control gaps within business processes are not only mitigated in terms of direct financial
loss but are also safeguarded for their integrity within the Bank's financial reporting system.
Beyond routine control functions, the EOMR Work Unit plays a strategic role in the preparation and updating of the Bank's Recovery Plan. This unit
is responsible for ensuring that the Bank maintains a comprehensive framework to navigate extreme yet plausible stress events.
In this capacity, the EOMR Work Unit establishes Recovery Indicators covering aspects of capital, liquidity, profitability, and asset quality. The unit
conducts periodic monitoring of these indicators to ensure early detection of potential financial distress. Should a trigger indicator be breached,
the EOMR Work Unit coordinates with Management to activate pre-defined recovery options, aimed at restoring the Bank's health to normal levels
without requiring external support. This synergy reinforces the Bank's commitment to maintaining business continuity and financial system stability.
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3. Bank mengembangkan metodologi Manajemen Risiko Operasional dalam rangka penyempurnaan ORM tools yang telah ada. ORM Tools adalah
perangkat atau sistem yang dirancang untuk membantu Bank dalam mengidentifikasi, menilai, mengendalikan, dan memantau Risiko Operasional.
ORM Tools memiliki tiga modul yakni Risk Control Self Assessment (RCSA), Key Risk Indicator (KRI) dan Incident Report. RCSA digunakan untuk
membantu risk owner dalam melakukan proses manajemen risiko operasional yang mencakup identifikasi dan pengukuran risiko operasional secara
mandiri yang bersifat prediktif dan antisipatif. Selanjutnya, KRI adalah alat bantu yang memberikan informasi sejak dini mengenai gejala maupun
risiko yang trennya menunjukkan peningkatan. Sedangkan Incident Report merupakan tools yang berfungsi sebagai database peristiwa risiko, yang
digunakan untuk data pembelajaran Bank.
Bank juga membangun database peristiwa risiko, termasuk di dalamnya data kerugian karena risiko operasional, melalui modul Incident Report.
Hal ini merupakan bagian dari kegiatan Bank mendata Risk & Loss Event Data (RLED) yang akan digunakan di dalam perhitungan Modal Risiko
Operasional dan ATMR Risiko Operasional. Peristiwa yang dicatat meliputi Loss Event dan/atau Near Miss Event. Kejadiannya dapat berasal dari
kegiatan yang bersifat transaksional maupun non transaksional. Near Miss merupakan peristiwa risiko yang nyaris menimbulkan kerugian finansial
atau yang telah menimbulkan kerugian finansial namun kerugian tersebut sudah recovery seluruhnya, dengan catatan pada saat pencatatan
Incident Report peristiwa risiko sudah terselesaikan baik di hari yang sama dengan peristiwa ataupun tidak, sedangkan Loss Event merupakan
peristiwa risiko yang berdampak finansial atau hilangnya dana Bank.
Insiden/peristiwa Risiko Operasional wajib dianalisis kronologi, penyebab, dan dampaknya untuk memperoleh informasi yang lengkap dan
komprehensif. Seluruh peristiwa risiko yang memiliki dampak kerugian finansial harus dicatat di dalam modul Incident Report berapapun nilai
kerugiannya. Terhadap Insiden Risiko yang telah dicatat Unit Kerja terkait memantau kerugian dari Loss Event mengenai update setiap recovery
kerugian sampai dengan final serta pembukuan kerugian final dalam buku Bank. Unit Kerja EOMR akan merekonsiliasi Loss yang dicatat pada
Incident Report Database dengan yang dicatat di GL Kerugian Bank.
The Bank developed an Operational Risk Management methodology in order to improve the existing ORM tools. ORM Tools are devices or systems
designed to assist the Bank in identifying, assessing, controlling, and monitoring Operational Risk. ORM Tools have three modules, namely Risk
Control Self Assessment (RCSA), Key Risk Indicator (KRI) and Incident Report. RCSA is used to assist risk owners in carrying out the operational risk
management process which includes identifying and measuring operational risks independently which are predictive and anticipatory. Furthermore,
KRI is a tool that provides early information on symptoms or risks that show an increasing trend. Meanwhile, Incident Report is a tool that functions
as a database of risk events, which is used for Bank learning data.
The Bank also establishes a database of risk events, including data on losses due to operational risks, through the Incident Report module. This is
part of the Bank's activities in recording Risk & Loss Event Data (RLED) which will be used in calculating Operational Risk Capital and Operational
Risk RWA. The events recorded include Loss Events and/or Near Miss Events. The incidents can originate from transactional or non-transactional
activities. Near Miss is a risk event that almost caused a financial loss or has caused a financial loss but the loss has been fully recovered, with the
note that at the time of recording the Incident Report the risk event has been resolved either on the same day as the event or not, while Loss Event
is a risk event that has a financial impact or loss of Bank funds.
Operational Risk Incidents/Events must be analyzed for chronology, causes, and impacts to obtain complete and comprehensive information. All
risk events that have an impact on financial loss must be recorded in the Incident Report module regardless of the value of the loss. For the Risk
Incidents that have been recorded, the related Work Unit monitors the losses from the Loss Event regarding updates on each loss recovery until the
final and the final loss recording in the Bank's books. The EOMR Work Unit will reconcile the Losses recorded in the Incident Report Database with
those recorded in the Bank's Loss GL.
4. Satuan Kerja Manajemen Risiko (SKMR) khususnya Unit Kerja EOMR telah menerbitkan dan menyusun beberapa laporan kondisi risiko-risiko yang
terkait dengan Bank kepada jajaran Manajemen. Laporan-laporan ini dibuat dalam rangka mendukung kinerja unit terkait melalui penyediaan data
yang informatif, lengkap, dan terkini dalam rangka pengendalian risiko diantaranya Laporan Risk Limit, Kewajiban Penyediaan Modal Minimum
(KPMM), Penilaian Tingkat Kesehtan Bank, Risk & Loss Event Database (RLED), Risk & Control Self Assessment (RCSA), Key Risk Indicator (KRI).
Perhitungan Aset Tertimbang Menurut Risiko (ATMR) Operasional dengan Menggunakan Pendekatan Indikator Dasar pada periode sebelumnya
dan Perhitungan Aset Tertimbang Menurut Risiko (ATMR) Operasional dengan Menggunakan Indikator Standar sesuai dengan SEOJK No. 6/
SEOJK.03/2022.
Di dalam Penilaian Tingkat Kesehatan Bank terdapat beberapa jenis risiko salah satunya Operasional dimana parameter-parameter penilaian pada
risiko inheren adalah Karakteristik dan Kompleksitas Bisnis, Sumber Daya Manusia, Teknologi Informasi dan Infrastruktur Pendukung, Fraud dan
Kejadian Eksternal. Parameter tersebut sesuai dengan Surat Edaran OJK terkait Penilaian Tingkat Kesehatan Bank.
The Risk Management Work Unit (SKMR), especially the EOMR Work Unit, has published and compiled several reports on the condition of risks
related to the Bank to the Management. These reports are made in order to support the performance of related units by providing informative,
complete, and up-to-date data in order to control risks, including Risk Limit Reports, Minimum Capital Adequacy Requirement (CAR), Bank
Soundness Level Assessment, Risk & Loss Event Database (RLED), Risk & Control Self-Assessment (RCSA), Key Risk Indicator (KRI). Calculation of
Operational Risk-Weighted Assets (RWA) Using the Basic Indicator Approach in the previous period and Calculation of Operational Risk-Weighted
Assets (RWA) Using Standard Indicators in accordance with SEOJK No. 6/SEOJK.03/2022.
In the Bank Soundness Level Assessment, there are several types of risks, one of which is Operational where the assessment parameters for inherent
risk are Business Characteristics and Complexity, Human Resources, Information Technology and Supporting Infrastructure, Fraud and External
Events. These parameters are in accordance with the OJK Circular Letter regarding Bank Health Level Assessment.
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5. Bank senantiasa menyempurnakan implementasi Manajemen Risiko Operasional dengan meningkatkan kesadaran para Pegawai terhadap
risiko serta menyempurnakan Kebijakan dan Prosedur operasional Bank. Berbagai upaya ini ditujukan untuk memitigasi risiko inheren dan terus
meningkatkan sistem pengendalian khususnya terhadap Risiko Operasional. Bank juga terus-menerus meningkatkan kesadaran risiko seluruh
pegawainya melalui berbagai media termasuk diantaranya email blast dan sosialisasi secara langsung.
Bank dalam menentukan tingkat Risiko yang diambil, Toleransi Risiko, dan Strategi Bank secara keseluruhan selalu memperhatikan kemampuan
modal Bank untuk dapat menyerap eksposur risiko atau kerugian yang timbul berdasarkan pengalaman kerugian di masa lalu, kemampuan sumber
daya manusia, serta kepatuhan terhadap ketentuan internal dan eksternal yang berlaku. Bank telah menetapkan Limit Risiko secara memadai sesuai
sasaran strategis dan strategi bisnis Bank secara keseluruhan yang wajib dipatuhi oleh seluruh lini organisasi, oleh karenanya Bank menerbitkan
Kebijakan Risk Limit. Limit Risiko yang ditetapkan oleh Bank secara berkala ditinjau ulang minimal satu tahun sekali untuk memastikan kesesuaiannya
dengan arah dan strategi bisnis Bank.
Bank telah menerapkan Budaya Risiko (Risk Culture) antara lain dengan secara konsisten menerapkan proses identifikasi, pengukuran, pemantauan,
pengendalian dan pelaporan atas potensi kerugian yang dapat dialami Bank (Potential Loss), mencegah kejadian risiko (Risk Event) dan
meminimalkan kerugian Bank (Risk Loss). Kemudian melaksanakan proses identifikasi, pengukuran, pemantauan, pengendalian dan pelaporan
setiap jenis dan kelompok risiko yang dilakukan secara berkesinambungan. Budaya Manajemen Risiko diinternalisasikan pada seluruh level
Organisasi untuk mendorong konsistensi dan efektivitas Penerapan Manajemen Risiko Bank dan merupakan tanggung jawab bersama seluruh
karyawan di setiap lini organisasi.
Terdapat Product & Activity Forum yang secara rutin dilakukan untuk mengidentifikasi dan memitigasi risiko yang melekat pada produk dan aktivitas
baru. Untuk mempermudah proses mitigasi Risiko Produk oleh Product Owner dan unit-unit kerja yang terkait lainnya, Bank telah menyusun
Kebijakan Pengelolaan Risiko Produk Bank. Semua uang tunai yang dikelola oleh Bank telah diasuransikan, jenis asuransi uang tunai pada Bank
terdapat dalam Cash In Save (uang dalam khazanah utama) dan Cash In Transit (uang dalam perjalanan).
Sebagai bentuk pengawasan aktif Dewan Direksi atas implementasi Kualitas Penerapan Manajemen Risiko yang salah satunya terkait Risiko
Operasional, Bank telah memiliki Komite Manajemen Risiko yang tujuan utamanya adalah untuk eskalasi dan pembahasan risiko-risiko utama di Bank.
Dalam upaya memperkuat lini pertahanan pertama, Unit Kerja EOMR juga menginisiasi pengembangan dan implementasi Employee Risk Score.
Inisiatif ini merupakan instrumen berbasis data yang dirancang untuk mengukur serta meningkatkan tingkat kesadaran risiko (risk awareness)
karyawan secara objektif. Melalui Employee Risk Score, Bank dapat memantau sejauh mana pemahaman dan keterlibatan setiap individu dalam
pengelolaan risiko, mulai dari kepatuhan terhadap pakta integritas hingga partisipasi aktif dalam program sosialisasi dan sertifikasi.
Implementasi alat ini tidak ditujukan sebagai sarana hukuman (punishment), melainkan sebagai langkah proaktif dalam mengenali potensi bahaya
sejak dini guna melindungi Bank dari risiko finansial, reputasi, maupun hukum. Lebih jauh lagi, program ini dikemas untuk menumbuhkan budaya
kompetisi yang positif dan menyenangkan di kalangan pegawai. Dengan adanya transparansi skor risiko ini, diharapkan setiap karyawan terdorong
untuk terus meningkatkan kompetensinya dalam mengelola risiko, yang pada akhirnya akan memperkuat ketahanan operasional Bank secara
menyeluruh.
The Bank continuously improves the implementation of Operational Risk Management by increasing employee awareness of risk and improving
the Bank's operational policies and procedures. These efforts are aimed at mitigating inherent risk and continuously improving the control system,
especially for Operational Risk. The Bank also continuously improves the risk awareness of all its employees through various media, including email
blasts and direct socialization.
In determining the level of risk taken, risk tolerance, and overall bank strategy, the Bank always pays attention to the Bank's capital capacity to
absorb risk exposure or losses arising from past loss experience, human resource capacity, and compliance with applicable internal and external
provisions. The Bank has set adequate Risk Limits in accordance with the Bank's strategic targets and overall business strategy that must be adhered
to by all lines of the organization, therefore the Bank issues a Risk Limit Policy. The Risk Limits set by the Bank are periodically reviewed at least once
a year to ensure their compliance with the Bank's business direction and strategy.
The Bank has implemented a Risk Culture, among others by consistently implementing the process of identification, measurement, monitoring,
control and reporting of potential losses that can be experienced by the Bank (Potential Loss), preventing risk events (Risk Event) and minimizing
Bank losses (Risk Loss). Then implementing the process of identification, measurement, monitoring, control and reporting of each type and group
of risks that are carried out continuously. Risk Management Culture is internalized at all levels of the Organization to encourage consistency and
effectiveness of the Implementation of Bank Risk Management and is a shared responsibility of all employees at every level of the organization.
There is a Product & Activity Forum which is routinely held to identify and mitigate the risks inherent in new products and activities. To facilitate
the process of Product Risk mitigation by Product Owners and other related work units, the Bank has prepared a Bank Product Risk Management
Policy. All cash managed by the Bank has been insured, the type of cash insurance at the Bank is in Cash In Save (money in the main treasury) and
Cash In Transit (money in transit).
As a form of active supervision by the Board of Directors over the implementation of the Quality of Risk Management Implementation, one of which is
related to Operational Risk, the Bank has a Risk Management Committee whose main purpose is to escalate and discuss the main risks in the Bank.
In an effort to strengthen the first line of defense, the EOMR Work Unit has initiated the development and implementation of the Employee Risk
Score. This initiative is a data-driven tool designed to objectively measure and enhance the level of risk awareness among employees. Through the
Employee Risk Score, the Bank can monitor the extent of individual understanding and involvement in risk management, ranging from compliance
with integrity pacts to active participation in socialization and certification programs.
The implementation of this tool is not intended as a punitive measure, but rather as a proactive step to recognize potential hazards early on, thereby
safeguarding the Bank against financial, reputational, and legal repercussions. Furthermore, the program is designed to foster a positive and
engaging competitive culture among employees. By providing transparency through risk scoring, each employee is encouraged to continuously
improve their risk management competencies, which ultimately strengthens the Bank's overall operational resilience.
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Tata Kelola
05
Perusahaan
yang Baik
Good Corporate
Governance
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Prinsip Dasar Penerapan Tata Kelola
Perusahaan yang Baik
● Basic Principles of Implementing Good Corporate Governance
Komitmen dan Tata Kelola Perusahaan yang Baik atau Good Good Corporate Governance (GCG) is
Corporate Governance (GCG) merupakan the principles that underpin the Bank's
Konsistensi
prinsip-prinsip yang menjadi dasar atas management processes and mechanisms,
Penerapan Tata
proses dan mekanisme pengelolaan Bank based on compliance with applicable
Kelola Perusahaan berlandaskan kepatuhan terhadap peraturan laws and regulations. For the Bank, the
yang Baik dan perundang-undangan yang berlaku. implementation of GCG ensures optimal
(Good Corporate Bagi Bank, penerapan GCG juga berfungsi business and operational performance,
Governance) untuk memastikan kinerja bisnis dan reflects ethical business practices, and
Secara operasional secara optimal, cerminan praktik creates sound competition and a conducive
Berkelanjutan penerapan etika bisnis, serta menciptakan business climate.
Commitment and persaingan yang sehat dan iklim usaha yang
Consistency of kondusif.
Sustainable GCG
Atas dasar ini, Bank berkomitmen secara Based on this, the bank is fully committed to
Implementation penuh untuk menerapkan GCG dengan implementing GCG by ensuring compliance
memastikan kesesuaian pengelolaan with laws and regulations. This commitment
perusahaan dengan kepatuhan terhadap is implemented by making GCG practices a
perundang-undangan. Komitmen ini basic guideline that must be implemented
diterapkan dengan menjadikan praktik comprehensively at all levels of the bank's
GCG sebagai pedoman dasar yang harus organization, starting with the Board of
dilakukan secara komprehensif di seluruh Commissioners, the Board of Directors, and
tingkat organisasi Bank, dimulai dari jajaran all employees within the bank.
Dewan Komisaris, Direksi, dan seluruh
karyawan di lingkungan bank.
Penerapan Tata Kelola Perusahaan yang Baik The comprehensive implementation of
dan komprehensif juga menjadi indikator Good Corporate Governance is also an
penting bagi investor untuk menilai sebuah important indicator for investors in assessing
perusahaan di masa depan. Terlebih, a company's future. Furthermore, in the
di industri perbankan, penerapan Tata banking industry, the implementation of
Kelola Perusahaan yang Baik juga menjadi Good Corporate Governance serves as a
landasan dan kebutuhan perusahaan foundation and requirement for companies
dalam menciptakan nilai tambah yang to create sustainable added value, support
berkelanjutan, mendukung perusahaan companies in navigating the dynamics of
dalam menghadapi dinamika industri the banking industry, and establish the
perbankan, serta membentuk fondasi iklim foundation for a healthy investment climate
investasi yang sehat dan dapat mendorong that can encourage financial inclusion.
terciptanya inklusi keuangan.
Sejalan dengan tujuan tersebut, Allo Bank In line with this objective, Allo Bank
senantiasa memperkuat dan meningkatkan continuously strengthens and improves
penerapan Tata Kelola Perusahaan yang the implementation of Good Corporate
Baik di seluruh aspek kegiatan usaha yang Governance across all aspects of its business
dijalankan. Hal tersebut diwujudkan dengan activities. This is achieved through, among
antara lain melakukan review dan pengkinian other things, reviewing and updating
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kebijakan tata kelola sebagai salah satu wujud komitmen its governance policies, demonstrating its commitment to
peningkatan kualitas penerapan tata kelola yang baik di seluruh improving the quality of good governance implementation
lapisan organisasi Bank. across all levels of the Bank's organization.
Tujuan Penerapan Tata Kelola Perusahaan yang Baik
Objectives of Implementing Good Corporate Governance
Implementasi prinsip-prinsip GCG di lingkungan Bank secara The consistent and continuous implementation of GCG
konsisten dan berkesinambungan bertujuan untuk: principles within the Bank aims to:
1. Mendorong peningkatan kualitas pengelolaan bank yang 1. Encourage improvement in the quality of sound bank
sehat, berdasarkan prinsip kehati-hatian dan beretika, yang management, based on prudential and ethical principles,
dapat meningkatkan daya saing bank. which can enhance bank competitiveness.
2. Mengoptimalkan nilai perusahaan bagi Pemegang Saham 2. Optimize company value for Shareholders while still paying
dengan tetap memperhatikan kepentingan lainnya. attention to other interests.
Penerapan Prinsip Tata Kelola Perusahaan
Implementation of Corporate Governance Principles
Penerapan prinsip GCG di Bank dilaksanakan dengan mengacu The implementation of GCG principles at the Bank is carried out
pada 4 (empat) pilar sesuai dengan Pedoman Umum Good by referring to the four pillars in accordance with the General
Corporate Governance (PUGKI) yang dikeluarkan oleh Komite Guidelines for Good Corporate Governance (PUGKI) issued by
Nasional Kebijakan Governance (KNKG). Adapun keempat pilar the National Committee for Governance Policy (KNKG). The
GCG yang diterapkan oleh Bank adalah sebagai berikut: four GCG pillars implemented by the Bank are as follows:
Perilaku Beretika (Etika) Dalam melaksanakan kegiatannya korporasi senantiasa mengedepankan kejujuran, memperlakukan semua
Ethics pihak dengan hormat, memenuhi komitmen, membangun serta menjaga nilai-nilai moral dan kepercayaan
secara konsisten. Korporasi memperhatikan kepentingan pemegang saham dan pemangku kepentingan lainnya
berdasarkan asas kewajaran dan kesetaraan dan dikelola secara independen sehingga masing-masing organ
perusahaan tidak saling mendominasi dan tidak dapat diintervensi oleh pihak lain.
In conducting its activities, the company prioritizes honesty, treats all parties with respect, fulfills commitments,
and consistently upholds moral values and trust. The company considers the interests of shareholders and other
stakeholders based on the principles of fairness and equality and operates independently to ensure that no
corporate entity dominates another or is subject to external intervention.
Transparansi Untuk menjaga objektivitas dalam menjalankan bisnis, perusahaan menyediakan informasi yang material dan
Transparency relevan dengan cara yang mudah untuk diakses dan dipahami oleh pemangku kepentingan. Korporasi mengambil
inisiatif untuk mengungkapkan tidak hanya masalah yang disyaratkan oleh peraturan perundang-undangan, tetapi
juga hal yang penting untuk pengambilan keputusan oleh pemegang saham, kreditur, dan pemangku kepentingan
lainnya.
To maintain objectivity in business operations, the company provides material and relevant information in a
manner that is easily accessible and understandable for stakeholders. It proactively discloses not only information
mandated by laws and regulations but also other significant matters that may influence decisionmaking by
shareholders, creditors, and other stakeholders.
Akuntabilitas Korporasi dapat mempertanggungjawabkan kinerjanya secara transparan dan wajar. Untuk itu Korporasi harus
Accountability dikelola secara benar, terukur dan sesuai dengan kepentingan korporat dengan tetap memperhitungkan
kepentingan pemegang saham dan pemangku kepentingan. Akuntabilitas merupakan prasyarat yang diperlukan
untuk mencapai kinerja yang berkelanjutan.
The corporation is responsible for ensuring that its performance is transparent and fair. To achieve this, it must be
managed properly, with measurable processes, and in alignment with corporate interests, while also considering
the rights of shareholders and stakeholders. Accountability is a crucial prerequisite for achieving sustainable
performance.
Keberlanjutan Korporasi mematuhi peraturan perundang-undangan serta berkomitmen melaksanakan tanggung jawab terhadap
Sustainability masyarakat dan lingkungan agar berkontribusi pada pembangunan berkelanjutan melalui kerjasama dengan
semua pemangku kepentingan terkait untuk meningkatkan kehidupan mereka dengan cara yang selaras dengan
kepentingan bisnis dan agenda Pembangunan berkelanjutan.
The Corporation complies with all applicable laws and regulations and remains committed to fulfilling its
responsibilities toward society and the environment. It aims to contribute to sustainable development by
collaborating with relevant stakeholders to enhance their quality of life in a manner that aligns with business
interests and the Sustainable Development agenda.
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Dasar Penerapan Tata Kelola Perusahaan yang Baik
Basis for Implementation of Good Corporate Governance
Penerapan GCG di lingkungan Bank dilakukan dengan The implementation of GCG in the Bank environment is carried
mengacu kepada sejumlah peraturan dan ketentuan yang out with reference to a number of regulations and provisions in
berlaku di Indonesia, antara lain: force in Indonesia, including:
Undang-Undang: Regulations:
1. Undang-undang Republik Indonesia No. 10 tahun 1998 1. Law of the Republic of Indonesia No. 10 of 1998 concerning
tentang perubahan atas Undang-undang No. 7 tahun 1992 amendments to Law No. 7 of 1992 concerning Banking.
tentang Perbankan.
2. Undang-Undang Republik Indonesia No. 40 tahun 2007 2. Law of the Republic of Indonesia No. 40 of 2007 concerning
tentang Perseroan Terbatas. Limited Liability Companies.
Peraturan Otoritas Jasa Keuangan: Financial Services Authority Regulations:
1. Peraturan Otoritas Jasa Keuangan No. 21/POJK.04/2015 1. Financial Services Authority Circular Letter No. 32/
tentang Penerapan Pedoman Tata Kelola Perusahaan SEOJK.04/2015 concerning Guidelines for Public Company
Terbuka. Governance.
2. Peraturan Otoritas Jasa Keuangan No. 31/POJK.04/2015 2. Financial Services Authority Circular Letter No. 13/
tentang Keterbukaan atas Informasi atau Fakta Material SEOJK.03/2017 concerning Implementation of Governance
oleh Emiten atau Perusahaan Publik. for Conventional Bank.
3. Peraturan Otoritas Jasa Keuangan No. 4/POJK.03/2016 3. Financial Services Authority Circular Letter No. 14/
tentang Penilaian Tingkat Kesehatan Bank Umum. SEOJK.03/2017 concerning Assessment of the Soundness
Level of Conventional Bank.
4. Peraturan Otoritas Jasa Keuangan No. 46/POJK.03/2017 4. Financial Services Authority Regulation No. 46/
tentang Pelaksanaan Fungsi Kepatuhan Bank Umum. POJK.03/2017 concerning Implementation of Compliance
Function of Conventional Bank.
5. Peraturan Otoritas Jasa Keuangan No. 37/POJK.03/2019 5. Financial Services Authority Regulation No. 37/
tentang Transparansi dan Publikasi Laporan Bank. POJK.03/2019 concerning Transparency and Publication
of Bank Reports.
6. Peraturan Otoritas Jasa Keuangan No. 13/POJK.03/2021 6. Financial Services Authority Regulation No. 13/
tanggal 30 Juli 2021 tentang Penyelenggaraan Produk POJK.03/2021 dated July 30, 2021, concerning the
Bank Umum. Implementation of Commercial Bank Products.
7. Peraturan Otoritas Jasa Keuangan No.12/POJK.03 tentang 7. Financial Services Authority Regulation No. 12/POJK.03
Bank Umum. concerning the Commercial Banks.
8. Peraturan Otoritas Jasa Keuangan No. 14/POJK.03/2021 8. Financial Services Authority Regulation No. 14/
tanggal 30 Juli 2021 tentang perubahan atas Peraturan POJK.03/2021 dated July 30, 2021, concerning the
Otoritas Jasa Keuangan No.34/POJK.03/2018 Penilaian amendments to Financial Services Authority Regulation
Kembali Bagi Pihak Utama Lembaga Jasa Keuangan. No. 34/POJK.03/2018 concerning Reassessment for Key
Parties of Financial Services Institutions.
9. Peraturan Otoritas Jasa Keuangan No. 1/POJK.03/2019 9. Financial Services Authority Regulation No. 1/POJK.03/2019
tanggal 28 Januari 2019 tentang Penerapan Fungsi Audit dated January 28, 2019, concerning the Implementation of
Intern pada Bank Umum. the Internal Audit Function in Commercial Banks.
10. Peraturan Otoritas Jasa Keuangan No. 38/POJK.03/2019 10. Financial Services Authority Regulation No. 38/
tanggal 19 Desember 2019 tentang Perubahan atas POJK.03/2019 dated December 19, 2019, concerning the
Peraturan Otoritas Jasa Keuangan No.32/POJK.03/2019 Amendments to Financial Services Authority Regulation No.
tentang Batas Maksimum Pemberian Kredit dan Penyediaan 32/POJK.03/2019 concerning the Maximum Credit Limit
Dana Besar bagi Bank Umum. and Large Fund Provision for Commercial Banks.
11. Peraturan Otoritas Jasa Keuangan No. 12 tahun 2024 11. Financial Services Authority Regulation No. 12 of 2024
tanggal 31 Juli tentang Penerapan Strategi Anti Fraud Bagi dated July 31, concerning the Implementation of Anti-Fraud
Lembaga Jasa Keuangan. Strategies for Financial Services Institutions.
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12. Peraturan Otoritas Jasa Keuangan No. 42/POJK.03/2017 12. Financial Services Authority Regulation No. 42/
tanggal 12 Juli 2017 tentang Kewajiban Penyusunan dan POJK.03/2017 dated July 12, 2017, concerning the
Pelaksanaan Kebijakan Perkreditan atau Pembiayaan Bank Obligation to Prepare and Implement Bank Credit or
bagi Bank Umum. Financing Policies for Commercial Banks.
13. Peraturan Otoritas Jasa Keuangan No. 9 tahun 2023 13. Financial Services Authority Regulation No. 9 of 2023 dated
tanggal 11 Juli 2023 tentang Penggunaan Jasa Akuntan July 11, 2023, concerning the Use of Public Accountants
Publik dan Kantor Akuntan Publik dalam Kegiatan Jasa and Public Accounting Firms in Financial Services Activities.
Keuangan.
14. Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 14. Financial Services Authority Regulation No. 51/
tanggal 18 Juli 2017 tentang Penerapan Penerapan POJK.03/2017 dated July 18, 2017, concerning the
Kuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Implementation of Sustainable Finance for Financial
Emiten, dan Perusahaan Publik. Services Institutions, Issuers, and Public Companies.
15. Peraturan Otoritas Jasa Keuangan No. 5/POJK.03/2016 15. Financial Services Authority Regulation No. 5/POJK.03/2016
tanggal 26 Januari 2016 tentang Rencana Bisnis Bank. dated January 26, 2016, concerning the Bank Business
Plans.
16. Peraturan Otoritas Jasa Keuangan No. 27/POJK.03/2016 16. Financial Services Authority Regulation No. 27/
tanggal 22 Juli 2016 tentang Penilaian Kemampuan dan POJK.03/2016 dated July 22, 2016, concerning the Fit
Kepatutan bai Bank Pihak Utama Lembaga Jasa Keuangan. and Proper Test for Banks as the Main Party of Financial
Services Institutions.
17. Peraturan Otoritas Jasa Keuangan No.18/POJK.03/2016 17. Financial Services Authority Regulation No. 18/
tanggal 16 Maret 2016 tentang Penerapan Manajemen POJK.03/2016 dated March 16, 2016, concerning the
Risiko Bagi Bank Umum. Implementation of Risk Management for Commercial
Banks.
18. Peraturan Otoritas Jasa Keuangan No.45/POJK.03/2015 18. Financial Services Authority Regulation No. 45/
tanggal 23 Desember 2015 tentang Penerapan Tata Kelola POJK.03/2015 dated December 23, 2015, concerning
Dalam Pemberian Remunerasi bagi Bank Umum. the Implementation of Governance in Remuneration for
Commercial Banks.
Surat Edaran Otoritas Jasa Keuangan Circular Letter of the Financial Services Authority
1. Surat Edaran Otoritas Jasa Keuangan No. 32/ 1. Financial Services Authority Circular Letter No. 32/
SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan SEOJK.04/2015 concerning Guidelines for Public Company
Terbuka. Governance.
2. Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 2. Financial Services Authority Circular Letter No. 13/
tentang Penerapan Tata Kelola Bagi Bank Umum. SEOJK.03/2017 concerning Implementation of Governance
for Conventional Bank.
3. Surat Edaran Otoritas Jasa Keuangan No. 14/SEOJK.03/2017 3. Financial Services Authority Circular Letter No. 14/
tentang Penilaian Tingkat Kesehatan Bank Umum. SEOJK.03/2017 concerning Assessment of Conventional
Bank Sound Level.
4. Surat Edaran Otoritas Jasa Keuangan No. 34/ 4. Financial Services Authority Circular Letter No. 34/
SEOJK.03/2016 tanggal 1 September 2016 tentang SEOJK.03/2016 dated September 1, 2016, concerning
Penerapan Manajemen Risiko Bank Umum. the Implementation of Risk Management for Commercial
Banks.
5. Surat Edaran Otoritas Jasa Keuangan No. 14/ 5. Financial Services Authority Circular Letter No. 14/
SEOJK.03/2025 tanggal 24 Juni 2025 tentang Penerapan SEOJK.03/2025 dated June 24, 2025, concerning the
tata Kelola dalam Pemberian Remunerasi bagi Bank Umum. Implementation of Governance in Remuneration for
Commercial Banks.
Lainnya: Others:
1. Ketentuan lainnya yang terkait dengan Pasar Modal. 1. Other provisions related to the Capital Market.
2. Pedoman Umum GCG Indonesia, Komite Nasional 2. General Guidelines for GCG Indonesia, National Committee
Kebijakan Governance. for Governance Policy.
3. Anggaran Dasar Allo Bank 3. Allo Bank Articles of Association.
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Perkembangan Penerapan Tata Kelola
Perusahaan yang Baik
● Development of Good Corporate Governance Implementation
Berbekal fondasi dan ekosistem bisnis Armed with a strong foundation and
yang kuat, Bank berupaya untuk business ecosystem, the Bank is always
terus menyesuaikan seluruh aktivitas working to adapt all of its business
bisnis yang dijalankan sesuai dengan activities to the latest in technological
perkembangan teknologi dan dinamika developments and industry dynamics.
industri terkini. Allo Bank berkomitmen Allo Bank is committed to supporting
untuk terus memperkuat implementasi Environmental, Social, and Governance
tata kelola yang baik dan berkelanjutan (ESG) principles as a means of
pada proses bisnis dan operasional strengthening its implementation of good
dengan mendukung prinsip prinsip and sustainable governance throughout
Environmental, Social, and Governance all of its business and operational
(ESG). Untuk menyempurnakan processes. The Bank has made the
penerapan GCG di perusahaan, pada following efforts in 2025 as a means to
2025 Bank telah menyusun sejumlah enhance its GCG implementation within
langkah, antara lain: the company:
1. Pemenuhan aspek komposisi, 1. Fulfillment of work guidelines
independensi, integritas, dan involving the composition,
kompetensi Direksi, Dewan independence, integrity, and
Komisaris, serta komite yang competence for the Board of
didukung oleh pedoman kerja. Directors, Board of Commissioners,
and their respective committees.
2. Pemenuhan kebijakan terkait kode 2. Compliance with policies related
etik yang didalamnya mengatur juga to the Bank's code of ethics, which
benturan kepentingan. Penerapan also regulates conflicts of interest.
tanda tangan kode etik. Implementing signatures for the
code of ethics.
3. Pemenuhan struktur pengendalian 3. Adequate compliance with the
internal Bank berjalan memadai Bank's internal control structure
(Audit Internal, Kepatuhan, (Internal Audit, Compliance, Risk
Manajemen Risiko, APU PPT & Management, AML, CFT & PPPSPM,
PPPSPM serta Anti Fraud). and Anti-Fraud).
4. Pengembangan karyawan melalui 4. Employee development through
program pelatihan terstruktur, structured training programs.
5. Penyesuaian struktur organisasi 5. Organizational structure adjustments
melalui SK Perubahan Struktur through a Decree on Changes to
Organisasi Oktober 2025. the Organizational Structure from
October 2025.
6. Bank telah memiliki Kebijakan 6. Ensuring the Bank has a
remunerasi, dan kebijakan dividen. remuneration policy and a dividend
policy.
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7. Ketersediaan Portal kebijakan yang terpusat. 7. Guaranteeing the availability of a centralized policy portal.
8. Akses layanan perbankan yang andal melalui aplikasi 8. Providing access to reliable banking services through Allo
mobile banking Allo Bank. Bank's mobile banking application.
9. Website resmi menampilkan keterbukaan informasi 9. Making sure the Bank's official website displays transparent
keuangan dan non-keuangan. financial and non-financial information.
10. Kapabilitas dan keamanan Sistem IT yang baik dan terkini. 10. Strong and up-to-date IT system capabilities and security.
11. Direksi telah melaksanakan tugas dan tanggung jawab 11. Ensuring the Board of Directors has carried out its duties
sesuai anggaran dasar dan ketentuan peraturan perundang- and responsibilities in accordance with the articles of
undangan. association and statutory regulations.
12. Dewan Komisaris telah menjalankan fungsi pengawasan, 12. Ensuring the Board of Commissioners has carried out its
sesuai anggaran dasar dan ketentuan peraturan perundang- supervisory function in accordance with the articles of
undangan. association and statutory regulations.
13. Direksi dan Dewan Komisaris berkoordinasi dan sinergi 13. Ensuring the Board of Directors and the Board of
dalam pembahasan kinerja, kebijakan strategis, serta Commissioners have coordinated and synergized in
penerapan tata kelola Bank. discussing performance, strategic policies, and the
implementation of Bank governance.
14. Komite-komite di bawah Dewan Komisaris telah 14. Ensuring committees under the Board of Commissioners
melaksanakan tugas dan fungsinya dengan baik. have carried out their duties and functions effectively.
15. Pelaksanaan fungsi kepatuhan berlangsung secara efektif 15. Ensuring the Bank's compliance function is implemented
dan independen. effectively and independently.
16. Penerapan sistem pengendalian internal yang efektif. 16. Implementation of an effective internal control system that
Mencakup kepatuhan, APU PPT & PPPSPM, Manajemen encompasses compliance, AML, PPT & PPPSPM, Risk
Risiko, Audit Internal, serta Anti Fraud. Management, Internal Audit, and Anti-Fraud.
17. Kebijakan, ketentuan, serta sistem dan prosedur yang 17. Ensuring the Bank's policies, provisions, systems, and
dimiliki oleh Bank telah diperbaharui sesuai dengan procedures have been updated in accordance with
ketentuan yang berlaku. applicable regulations.
18. Bank telah memproses kewajiban pelaporan kepada 18. Ensuring the Bank has processed its routine and incidental
regulator baik laporan rutin maupun insidentil kepada regulatory reporting requirements.
regulator.
19. Penyusunan Rencana Bisnis Bank (RBB) melibatkan seluruh 19. Preparing a Bank Business Plan (RBB) that involves all levels
jajaran organisasi bank. of the Bank's organization.
20. Sebagai anggota dari KUB, Bank senantiasa berkoordinasi 20. As a Community Banking Business Unit, the Bank
dengan Koordinator KUB dalam monitoring pelaksanaan consistently coordinates with Community Banking Business
kepatuhan. Unit Coordinators to monitor compliance implementation.
21. Bank menerapkan tata kelola yang baik dengan 21. The Bank implements good governance by taking risk
memperhatikan pengelolaan risiko dan prinsip keuangan management and sustainable finance principles into
berkelanjutan, termasuk penyusunan rencana aksi dan account, including its development of action plans and its
alokasi dana sosial dan lingkungan. allocation of social and environmental funds.
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Penilaian Penerapan Tata Kelola
Perusahaan yang Baik
● Assessment of Good Corporate Governance Implementation
Allo Bank berkomitmen untuk Allo Bank is committed to prioritizing
mengedepankan penerapan GCG yang GCG implementation, reflected in
tercermin dalam serangkaian kebijakan a series of operational policies and
dan prosedur operasional yang secara procedures consistently applied in
konsisten diterapkan dalam seluruh all daily activities. The Bank also has
kegiatan sehari-hari. Bank secara internal GCG implementation guidelines,
internal juga telah memiliki pedoman which outline aspects, principles, and
pelaksanaan GCG yang mana pedoman recommendations of GCG. These
tersebut memuat terkait aspek, prinsip, guidelines are designed to ensure that
dan rekomendasi GCG. Pedoman ini every aspect of GCG practices is met
dirancang untuk memastikan bahwa and sustained.
setiap aspek dari praktik GCG dipenuhi
dan berkelanjutan.
Allo Bank selaku perusahaan yang As a public company, Allo Bank
berstatus perusahaan publik senantiasa consistently implements and complies
melaksanakan dan mematuhi seluruh with all applicable laws and regulations.
peraturan perundang-undangan The Bank also strives to create added
yang berlaku. Bank juga berupaya value for shareholders and stakeholders
untuk menciptakan nilai tambah bagi by emphasizing the principles of
pemegang saham dan para pemangku transparency, accountability, and fair
kepentingan dengan menekankan information disclosure in all its business
seluruh kegiatan usahanya pada prinsip- activities, as a guideline for business
prinsip transparansi, akuntabilitas, dan entities. The Bank consistently respects
penyampaian informasi yang wajar the rights of shareholders, especially
sebagai pegangan bagi entitas usaha. minority shareholders, who must be a
Bank juga senantiasa memperhatikan priority for any public company.
hak pemegang saham tanpa terkecuali,
khususnya pemegang saham minoritas
yang harus menjadi perhatian dari
perusahaan publik terkait.
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Good Corporate Governance Sustainability Report Financial Statements
Dasar Penilaian dan Metode
Basis of Assessment and Methods
Bank secara konsisten melakukan evaluasi atas penerapan The Bank consistently evaluates the implementation of GCG
GCG di perusahaan. Langkah ini dilakukan melalui penilaian within the company. This is done through GCG assessments as
penerapan GCG sebagai upaya peningkatan dan perbaikan an effort to enhance and improve the implementation of good
penerapan tata kelola yang baik. Penilaian ini dilakukan dengan governance. These assessments are conducted in accordance
mengacu kepada beberapa peraturan, antara lain: with several regulations, including:
1. Peraturan OJK No. 17 Tahun 2023 tentang Penerapan Tata 1. Financial Services Authority Regulation No. 17 of 2023
Kelola bagi Bank Umum; dan concerning the Implementation of Governance for
Commercial Banks; and
2. Surat Edaran Otoritas Jasa Keuangan No. 14/ 2. Financial Services Authority Circular Letter No. 14/
SEOJK.03/2025 tentang Penerapan Tata Kelola bagi Bank SEOJK.03/2025 concerning the Implementation of
Umum. Governance for Commercial Banks.
Berdasarkan aturan tersebut, Bank harus melakukan penilaian Based on these regulations, banks must conduct comprehensive
sendiri (self-assessment) secara komprehensif setiap semester self-assessments every semester to determine follow-up plans,
agar dapat menetapkan rencana tindak lanjut yang meliputi including corrective actions (if necessary).
tindakan korektif (apabila diperlukan).
Kriteria Penilaian Tata Kelola Perusahaan
Assessment Criteria of Corporate Governance
Pelaksanaan self-assessment yang dilakukan oleh Bank setiap The Bank's annual self-assessment consistently considers 16
tahun senantiasa memperhatikan 16 (enam belas) faktor (sixteen) assessment factors, namely:
penilaian, yaitu:
1. Pelaksanaan tugas, tanggung jawab, dan wewenang Direksi; 1. Implementation of the duties, responsibilities, and authority
of the Board of Directors;
2. Pelaksanaan tugas, tanggung jawab, dan wewenang 2. Implementation of the duties, responsibilities, and authority
Dewan Komisaris; of the Board of Commissioners;
3. Kelengkapan dan pelaksanaan tugas komite; 3. Completeness and implementation of committee duties;
4. Penanganan benturan kepentingan; 4. Handling of 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 pengendalian 8. Implementation of risk management, including the internal
intern; control system;
9. Pemberian remunerasi; 9. Provision of remuneration;
10. Penyediaan dana kepada pihak terkait dan penyediaan 10. Provision of funds to related parties and the provision of
dana besar; large funds;
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 penyuapan; 14. Implementation of anti-fraud strategies, including anti-
bribery;
15. Penerapan keuangan berkelanjutan, termasuk penerapan 15. Implementation of sustainable finance, including the
tanggung jawab sosial dan lingkungan; dan implementation of social and environmental responsibility;
and
16. Penerapan tata kelola dalam KUB. 16. Implementation of governance within the KUB.
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Assessment Penerapan GCG Tahun Buku 2025
Assessment of GCG Implementation in 2025
Di tahun 2025, Bank telah melakukan penilaian sendiri (self In 2025, the Bank conducted a self-assessment of its
assessment) terhadap penerapan GCG yang dilakukan oleh GCG implementation, conducted internally, taking into
pihak internal dengan mempertimbangkan berbagai faktor account various comprehensive and structured assessment
penilaian secara komprehensif dan terstruktur sebagaimana factors as stipulated in POJK No. 17 of 2023 concerning
diatur dalam POJK No. 17 Tahun 2023 tentang Penerapan Tata the Implementation of Governance for Commercial Banks.
Kelola bagi Bank Umum. Adapun hasil penilaian penerapan The results of the Bank's GCG implementation assessment
GCG Bank sepanjang tahun 2025 dapat dilihat sebagai berikut: throughout 2025 are as follows:
Semester I
First Semester
Kriteria Bobot Rating Nilai Keterangan
No.
Criteria Weight Rating Grade Description
1. Pelaksanaan Tugas dan Tanggung Jawab Direksi 20% 1,83 0,37 Baik
Implementation of Duties and Responsibilities of the Board of Good
Directors
2. Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris 10% 1,76 0,18 Baik
Implementation of Duties and Responsibilities of the Board of Good
Commissioners
3. Kelengkapan dan Pelaksanaan Tugas Komite 10% 1,92 0,19 Baik
Completeness and Implementation of Committee Duties Good
4. Penanganan Benturan Kepentingan 10% 2,00 0,20 Baik
Handling Conflict of Interest Good
5. Penerapan Fungsi Kepatuhan Bank 5% 2,11 0,11 Baik
Implementation of Bank Compliance Function Good
6. Penerapan Fungsi Audit Intern 5% 1,93 0,10 Baik
Implementation of Internal Audit Function Good
7. Penerapan Fungsi Audit Ekstern 5% 2,00 0,10 Baik
Implementation of External Audit Function Good
8. Penerapan Manajemen Risiko termasuk Sistem Pengendalian 7,5% 1,99 0,15 Baik
Intern Good
Implementation of Risk Management including Internal Control
9. Penyediaan Dana kepada Pihak Terkait (Related Party) dan 7,5% 2,08 0,16 Baik
Penyediaan Dana Besar (Large Exposure) Good
Provision of Funds to Related Parties and Large Exposure
10. Transparansi Kondisi Keuangan dan Non Keuangan, Laporan 15% 2,19 0,33 Baik
Pelaksanaan Tata Kelola dan Pelaporan Internal Good
Transparency of Financial and Non-Financial Conditions,
Governance Implementation Reports and Internal Reporting
11. Rencana Strategis Bank 5% 2,05 0,10 Baik
Bank Strategic Plan Good
Peringkat Komposit 1,97 Baik
Composite Rating Good
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Semester II
Second Semester
No. Kriteria Bobot Rating Nilai Keterangan
Criteria Weight Rating Grade Description
1. Pelaksanaan Tugas dan Tanggung Jawab Direksi 10% 1,80 0,18 Baik
Implementation of Duties and Responsibilities of the Board of Good
Directors
2. Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris 7,5% 1,32 0,10 Sangat Baik
Implementation of Duties and Responsibilities of the Board of Excellent
Commissioners
3. Kelengkapan dan Pelaksanaan Tugas Komite 7,5% 1,45 0,11 Sangat Baik
Completeness and Implementation of Committee Duties Excellent
4. Penanganan Benturan Kepentingan 7,5% 2,00 0,15 Baik
Handling Conflict of Interest Good
5. Penerapan Fungsi Kepatuhan Bank 5% 1,50 0,08 Baik
Implementation of Bank Compliance Function Good
6. Penerapan Fungsi Audit Intern 7,5% 1,93 0,14 Baik
Implementation of Internal Audit Function Good
7. Penerapan Fungsi Audit Ekstern 5% 1,44 0,07 Sangat Baik
Implementation of External Audit Function Excellent
8. Penerapan Manajemen Risiko termasuk Sistem Pengendalian 7,5% 1,93 0,14 Baik
Intern Good
Implementation of Risk Management including Internal Control
9. Pemberian Remunerasi 5% 1,44 0,07 Sangat Baik
Excellent
10. Penyediaan dana kepada pihak terkait dan penyediaan dana 5% 2,00 0,10 Baik
besar Good
11. Integritas Pelaporan dan Sistem Teknologi Informasi 7,5% 1,94 0,15 Baik
Good
12 Rencana Strategis Bank 7,5% 1,40 0,11 Sangat Baik
Bank Strategic Plan Excellent
13 Aspek Pemegang Saham 7,5% 2,00 0,15 Baik
Good
14 Penerapan strategi anti fraud, termasuk anti penyuapan 5% 1,43 1,07 Sangat Baik
Excellent
15 Penerapan keuangan berkelanjutan, termasuk penerapan 5% 1,60 0,08 Baik
tanggung jawab sosial dan lingkungan. Good
16 Penerapan tata kelola dalam KUB 2,5% 1,00 0,03 Baik
Good
Peringkat Komposit 1,66 Baik
Composite Rating Good
Berdasarkan hasil penilaian di atas, secara umum penerapan Based on the assessment results above, in general, the
GCG di Allo Bank berhasil memperoleh peringkat komposit implementation of GCG at Allo Bank successfully obtained a
“BAIK” pada tahun 2025. Hal tersebut tercermin dari composite rating of "GOOD" in 2025. This is reflected in the
pemenuhan atas pelaksanaan prinsip-prinsip GCG yang fulfillment of adequate implementation of GCG principles
memadai sepanjang tahun berjalan. throughout the current year.
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Struktur Tata Kelola
Perusahaan yang Baik
● Good Corporate Governance Structure
Struktur GCG pada Allo Bank terdiri dari Allo Bank's GCG structure consists of
3 (tiga) organ utama, yaitu Rapat Umum three main organs: the General Meeting
Pemegang Saham (RUPS), Dewan of Shareholders (GMS), the Board
Komisaris, dan Direksi. Ketiga organ ini of Commissioners, and the Board of
telah sesuai dengan yang telah diatur Directors. These three organs comply
dalam Undang-Undang No. 40 Tahun with Law No. 40 of 2007 concerning
2007 tentang Perseroan Terbatas. the Limited Liability Companies.
RUPS merupakan forum tertinggi di The GMS is the highest forum in
perusahaan, sedangkan keberadaan the company, while the Board of
Dewan Komisaris dan Direksi merupakan Commissioners and the Board of
pengejawantahan dari sistem Directors embodies the two-tier
kepengurusan perusahaan dua badan corporate governance system. The
(two-tier system). Dewan Komisaris Board of Commissioners also acts as a
juga bertindak sebagai pengawas dan supervisory and advisory body, while the
pengarah, sementara Direksi bertindak Board of Directors serves as the day-to-
sebagai pengurus perusahaan sehari- day management of the company.
hari.
Dalam menjalankan tugasnya, Dewan In carrying out its duties, the Board of
Komisaris turut dibantu oleh Komite Commissioners has the aid of various
Dewan Komisaris yang dibentuk untuk Board of Commissioners Committees
membantu dan meningkatkan fungsi that have been established to assist
pengawasan yang dijalankan oleh and enhance the board's oversight
Dewan Komisaris, yaitu Komite Audit, function. These committees include the
Komite Pemantau Risiko, dan Komite Audit Committee, the Risk Monitoring
Remunerasi dan Nominasi. Sementara, Committee, and the Remuneration
dalam melaksanakan tugasnya untuk and Nomination Committee. Similarly,
mengelola dan mengendalikan the Board of Directors has the aid of
operasional bisnis serta bertanggung several committees underneath it that
jawab atas implementasi GCG di Bank, have been designed to help it carry
Direksi turut dibantu oleh sejumlah out its duties to manage and control
Komite di bawah Direksi, yaitu Komite business operations, as well as to help
Pengarah Teknologi Informasi, them with their responsibilities towards
Komite Kebijakan Perkreditan, Komite the Bank's GCG implementation. These
Manajemen Risiko, Komite Kredit dan committees encompass the Information
Komite Aset dan Liabilitas (ALCO). Selain Technology Steering Committee,
itu, Direksi juga dibantu oleh organ the Loan Policy Committee, the Risk
pendukung lain yang bersifat struktural, Management Committee, the Loan
yaitu Corporate Secretary & PMO, Committee, and the Asset and Liability
Satuan Kerja Audit Internal (SKAI). Committee (ALCO). In addition, the
Board of Directors is also assisted by
other supporting structural organs,
specifically, the Corporate Secretary &
PMO, and the Internal Audit Work Unit
(SKAI).
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Good Corporate Governance Sustainability Report Financial Statements
RUPS
GMS
Dewan Komisaris Direksi
Board of Commissioners Director
Komite Audit Komite Asset dan Liabilitas
Audit Committee Asset & Liability Committee Sekretaris Perusahaan dan PMO
Corporate Secretary and PMO
Komite Pemantau Risiko Komite Kredit
Risk Oversight Committee Credit Committee
Satuan Kerja Audit Internal
Internal Audit Working Unit
Komite Kebijakan Perkreditan
Komite Remunerasi & Nominasi Credit Policy Committee
Remuneration & Nomination Committee
Komite Manajemen Risiko
Risk Management Committee
Komite Pengarah
Teknologi Informasi
IT Steering Committee
Komite Produk
Product Committee
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Rapat Umum
Pemegang Saham
● General Meeting of Shareholders
Struktur Rapat Umum Pemegang Saham (RUPS) The General Meeting of Shareholders
merupakan organ tertinggi dalam (GMS) is the highest organ in Allo Bank's
Pemegang Saham
struktur GCG Allo Bank yang berfungsi GCG structure, which functions as the
Shareholders sebagai pengambil keputusan tertinggi highest decision-making body in the
Structure dalam Bank, dan memiliki wewenang Bank, and has authority that is not held
yang tidak dimiliki oleh Dewan Komisaris by the Board of Commissioners or the
ataupun Direksi. RUPS juga merupakan Board of Directors. The GMS serves
sarana bagi para pemegang saham as a means for shareholders to make
untuk mengambil keputusan penting important and strategic decisions related
dan strategis terkait keberlanjutan jangka to the Bank's long-term sustainability, by
panjang Bank, dengan memperhatikan taking into account the provisions of the
ketentuan Anggaran Dasar dan Articles of Association and applicable
peraturan perundang-undangan laws and regulations, including
yang berlaku, termasuk menyetujui approving amendments to the Articles
perubahan Anggaran Dasar, menyetujui of Association, approving annual reports
laporan tahunan dan membagikan and distributing dividends. The GMS also
dividen. RUPS juga memiliki wewenang has the authority to appoint and dismiss
untuk menunjuk dan memberhentikan members of the Board of Commissioners
anggota Dewan Komisaris dan Direksi, and the Board of Directors, delegate
mendelegasikan wewenang kepada authority to the Board of Commissioners
Dewan Komisaris dan Direksi serta and the Board of Directors and make
mengambil keputusan terkait tindakan decisions regarding Bank actions that
Bank yang membutuhkan persetujuan require shareholder approval.
pemegang saham.
Dasar Hukum Dalam menyelenggarakan RUPS, Bank In holding the GMS, the Bank adheres to
senantiasa mengacu kepada sejumlah the following legal provisions:
Penyelenggaraan RUPS
peraturan perundang-undangan, antara
Legal Basis for Holding GMS
lain:
1. Undang-Undang No. 40 Tahun 1. Law No. 40 of 2007 concerning the
2007 tentang Perseroan Terbatas. Limited Liability Companies.
2. Peraturan Otoritas Jasa Keuangan 2. Financial Services Authority
No.15/POJK.04/2020 tentang Regulation No.15/POJK.04/2020
Perencanaan dan Pelaksanaan concerning the Planning and
Rapat Umum Pemegang Saham Implementation of General
Perusahaan Publik. Meetings of Shareholders of Public
Companies.
3. Peraturan Otoritas Jasa Keuangan 3. Financial Services Authority
No. 16/POJK.04/2020 tentang Regulation No. 16/POJK.04/2020
Pelaksanaan Rapat Umum concerning the Electronic
Pemegang Saham Perusahaan Implementation of General
Publik Secara Elektronik. Meetings of Shareholders of Public
Companies.
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Hak Pemegang Saham dalam RUPS
Rights of the Shareholders at the GMS
Pemegang saham memiliki sejumlah hak dalam pelaksanaan According to the applicable regulations, shareholders have a
RUPS sesuai ketentuan yang berlaku, di antaranya: number of rights in implementing the GMS, including:
1. Pemegang saham berhak untuk hadir dalam RUPS baik 1. Shareholders have the right to attend the GMS either alone
sendiri maupun diwakili berdasarkan surat kuasa. Pemegang or represented based on a power of attorney. Shareholders
saham yang berhak hadir dalam RUPS adalah pemegang who are entitled to attend the GMS are shareholders whose
saham yang namanya tercatat dalam daftar pemegang names are recorded in the Bank’s shareholder register 1
saham Bank 1 (satu) hari kerja sebelum pemanggilan RUPS. (one) working day before the invitation to the GMS.
2. Pemegang saham berhak memperoleh informasi mata 2. Shareholders have the right to obtain information on the
acara RUPS dan bahan terkait mata acara RUPS sepanjang GMS agenda and materials related to the GMS agenda as
tidak bertentangan dengan kepentingan Bank. long as it does not conflict with the interests of the Bank.
3. Pemegang saham atau kuasa mereka berhak untuk 3. Shareholders or their proxies have the right to ask questions
mengajukan pertanyaan dan/atau menyatakan pendapat/ and/or express opinions/responses in connection with the
tanggapan sehubungan dengan mata acara RUPS dan GMS agen da and other matters related to the relevant
hal-hal lain yang berhubungan mata acara RUPS yang GMS agenda before a decision is made.
bersangkutan sebelum diadakan pengambilan keputusan.
4. Pemegang saham berhak mengeluarkan suara dalam 4. Shareholders have the right to vote at the GMS. Each share
RUPS. Tiap saham memberi hak kepada pemegangnya gives the holder the right to cast 1 (one) vote. If a shareholder
untuk mengeluarkan 1 (satu) suara. Apabila seorang owns more than 1 (one) share, then he is only asked to vote 1
pemegang saham memiliki lebih dari 1 (satu) saham, maka (one) time and his vote represents all the shares he owns or
ia hanya diminta untuk memberikan suara 1 (satu) kali dan represents.
suaranya itu mewakili seluruh saham yang dimilikinya atau
diwakilinya.
Jenis-Jenis RUPS
Types of GMS
Allo Bank memiliki 2 (dua) jenis RUPS, yakni RUPS Tahunan Allo Bank has 2 (two) types of GMS, namely the Annual GMS
(RUPST) dan RUPS Luar Biasa (RUPSLB). RUPST dapat diadakan (AGMS) and Extraordinary GMS (EGMS). The AGM can be
sebanyak 1 (satu) kali dalam setahun, sementara RUPSLB dapat held 1 (one) time a year, while the EGMS can be held at any
diadakan kapan saja berdasarkan kebutuhan Bank. Seluruh time based on the Bank’s needs, where all GMS results and
hasil dan keputusan yang dicapai dalam RUPS selanjutnya akan decisions will be implemented fairly and transparently. However,
diterapkan secara wajar dan transparan. Meski demikian, RUPS the GMS and shareholders are not authorized to intervene in
dan pemegang saham tidak berwenang untuk melakukan the implementation of the duties, functions and authority of
intervensi dalam pelaksanaan tugas, fungsi, dan otoritas Dewan the Board of Commissioners and Directors in carrying out their
Komisaris dan Direksi dalam menjalankan kewajibannya dan obligations and exercising their rights in accordance with the
menggunakan haknya sesuai dengan Anggaran Dasar dan Articles of Association and applicable regulations.
peraturan yang berlaku.
Penyelenggaraan RUPS Tahun 2025
Implementation of GMS in 2025
Sepanjang tahun 2025, Bank telah menyelenggarakan RUPS Throughout 2025, the Bank held two GMS: one Annual GMS
sebanyak 2 (dua) kali, yakni 1 (satu) kali RUPS Tahunan dan 1 and one Extraordinary GMS. The Bank appointed several
(satu) kali RUPS Luar Biasa. Bank telah menunjuk sejumlah independent parties, including notaries, legal consultants, and
pihak independen, seperti notaris, konsultan hukum, dan a Securities Administration Bureau, to calculate, validate, and
Biro Administrasi Efek untuk melakukan perhitungan dan/atau vote at the GMS. The details of the meetings, along with the
validasi dan pengambilan suara dalam RUPS. Adapun rincian agenda and follow-up to the GMS decisions in 2025, are as
rapat beserta agenda dan tindak lanjut keputusan RUPS di follows:
tahun 2025 dapat dilihat sebagai berikut:
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RUPS Tahunan tanggal 10 April 2025
Annual GMS on April 10,2025
Hari/Tanggal Kamis, 10 April 2025
Day/Date Thursday, April 10, 2025
Waktu 14.20 - 15.49 WIB
Time 14.20-15.49 (Western Indonesia Time)
Tempat Auditorium Menara Bank Mega Lantai 3, Jl. Kapten Pierre Tendean Kavling 12-14A, Jakarta
Venue
Kehadiran Dewan Komisaris | Board of Commissioners
Attendance Komisaris Utama Independen | Independent President Commissioner : Aviliani
Komisaris Independen | Independent Commissioner : Rosmaya
Komisaris | Commissioner : Ali Gunawan
Direksi | Board of Directors
Direktur Utama | President Director : Indra Utoyo
Direktur | Director : Ari Yanuanto Asah
Direktur | Director : Arief Tendeas
Direktur | Director : Ganda Raharja Rusli
Direktur | Director : Sajal Bhatnagar
Jumlah Pemegang Saham RUPS Tahunan dihadiri oleh pemegang saham yang mewakili 17.676.983.319 saham atau 81,3473% dari jumlah saham
yang Bertanya dengan hak suara yang sah yang telah dikeluarkan oleh Perseroan yang seluruhnya berjumlah 21.730.256.442 saham.
Number of Shareholders who
Asked Questions RUPS Tahunan dipimpin oleh Aviliani selaku Komisaris Utama Independen. Dalam setiap pembahasan agenda RUPS
Tahunan, para pemegang saham telah diberikan kesempatan untuk menyampaikan pandangannya dan/atau pertanyaan
terkait dengan usulan agenda yang dibahas dalam RUPS Tahunan. Keputusan atas keseluruhan agenda RUPS Tahunan
diambil berdasarkan musyawarah untuk mufakat.
The Annual General Meeting of Shareholders (AGMS) was attended by shareholders representing 17,676,983,319 shares,
or 81.3473% of the total number of shares with valid voting rights issued by the Company, totaling 21,730,256,442 shares.
The Annual General Meeting of Shareholders (AGMS) was led by Aviliani, the Independent President Commissioner.
During each discussion of the Annual General Meeting agenda, shareholders were given the opportunity to express their
views and/or ask questions related to the proposed agenda items discussed at the Annual General Meeting. Decisions
on the entire Annual General Meeting agenda were made based on deliberation to reach consensus.
Informasi Ketidakhadiran RUPS Tahunan dihadiri oleh seluruh anggota Dewan Komisaris dan Direksi.
Dewan Komisaris dan The Annual GMS was attended by all members of the Board of Commissioners and Directors.
Direksi dalam RUPS
Information on Attendance of
the Board of Commissioners
and Directors at the GMS
Tahapan pelaksanaan RUPS Tahunan tanggal 10 April 2025 The stages for implementing the Annual GMS on April 10, 2025
adalah sebagai berikut: are as follows:
Kegiatan Tanggal Keterangan
Activity Date Description
Pengumuman RUPS Tahunan 04 Maret 2025 Pengumuman pelaksanaan RUPS Tahunan kepada Pemegang Saham melalui
Annual GMS Announcement March 4, 2025 website PT Bursa Efek Indonesia (www.idx.co.id), situs web Bank (www.allobank.
com) dan situs website eASY.KSEI melalui https://akses.ksei.co.id.
Announcement of the implementation of the Annual GMS to Shareholders via
the PT Bursa Efek Indonesia website (www.idx.co.id), the Bank website (www.
allobank.com) and the eASY.KSEI website via https://akses.ksei.co. id.
Pemanggilan RUPS Tahunan 19 Maret 2025 Pemanggilan RUPS Tahunan kepada Pemegang Saham melalui website PT Bursa
Invitation to the Annual GMS March 19, 2025 Efek Indonesia (www.idx.co.id), situs web Bank (www.allobank.com) dan situs
website eASY.KSEI melalui https://akses.ksei.co.id.
Invitation to the Annual GMS to Shareholders via the PT Bursa Efek Indonesia
website (www.idx.co.id), the Bank website (www.allobank.com) and the eASY.KSEI
website via https://akses.ksei.co.id.
Publikasi Ringkasan Risalah RUPS Tahunan 14 April 2025 Pemberitahuan publikasi Ringkasan Risalah RUPS Tahunan kepada Masyarakat
April 14, 2025 melalui website PT Bursa Efek Indonesia (www.idx.co.id), situs web Bank (www.
allobank.com) dan situs website eASY.KSEI melalui https://akses.ksei.co.id.
Notification of the publication of the Summary of Annual GMS Minutes to the
Public via the PT Bursa Efek Indonesia website (www.idx.co.id), the Bank website
(www.allobank.com) and the eASY.KSEI website via https://akses.ksei.co.id.
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Hasil Keputusan RUPS telah dituangkan dalam Akta Berita The results of the GMS decisions have been set out in the
Acara RUPS Tahunan No. 2 tanggal 10 April 2025 di hadapan Deed of Minutes of the Annual GMS No. 2 dated April 10, 2025
Dharma Akhyuzi S.H., Notaris di Jakarta. Seluruh keputusan before Dharma Akhyuzi S.H., Notary in Jakarta. All decisions in
dalam RUPS dilakukan dengan musyawarah mufakat. Adapun the GMS were made by deliberation and consensus. The results
hasil keputusan RUPS serta pelaksanaannya dan tindak of the GMS decisions and their implementation and follow-up
lanjutnya oleh Manajemen Bank hingga akhir tahun 2025 by Bank Management until the end of 2025 are as follows:
adalah sebagai berikut:
Mata Acara Rapat dan Keputusannya serta Tindak Lanjut atas Hasil Keputusan Rapat
Meeting Agenda and Decisions, as well as Follow-up on Meeting Resolutions
Agenda Mata Acara 1
First Meeting Agenda
Persetujuan dan Pengesahan Laporan Tahunan Perseroan untuk Tahun Buku yang Berakhir pada tanggal 31 Desember 2024, yang terdiri dari:
1. Laporan Pengurus Perseroan;
2. Laporan Keuangan Perseroan; dan
3. Laporan Pengawasan Dewan Komisaris Perseroan.
Approval and Ratification of the Company’s Financial Report for the Fiscal Year Ending December 31, 2024, consisting of:
1. Report of the Company’s Management;
2. Financial Report of the Company; and
3. Supervisory Report of the Company’s Board of Commissioners.
Keputusan Mata Acara 1
Decision of the First Meeting Agenda
Pengambilan Dengan Pemungutan Suara
Keputusan By Voting
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
17.676.983.319 saham Nihil Nihil 17.676.983.319 saham
atau 100% Nil Nil atau 100%
17.676.983.319 Shares 17.676.983.319 shares
or 100% or 100%
1. Menerima baik dan menyetujui Laporan Tahunan Direksi mengenai 1. Accept and approve the Annual Report of the Board of Directors
pengurusan Perseroan selama tahun 2024 dan Laporan Pengawasan regarding the management of the Company during 2024 and the
Dewan Komisaris untuk tahun buku yang berakhir pada tanggal 31 Supervisory Report of the Board of Commissioners for the fiscal year
Desember 2024. ended December 31, 2024.
2. Menerima dan mengesahkan Laporan Keuangan untuk Tahun Buku 2. Accept and ratify the Financial Statements for the Fiscal Year ended
yang berakhir pada tanggal 31 Desember 2024 yang termasuk December 31, 2024, including the Balance Sheet and Profit and
didalamnya Neraca dan perhitungan Laba-Rugi yang telah diaudit Loss statement audited by the Public Accounting Firm Amir Abadi
Kantor Akuntan Publik Amir Abadi Jusuf, Aryanto, Mawar & Rekan Jusuf, Aryanto, Mawar & Rekan with its report No. 00039/2.1030/
dengan laporannya No. 00039/2.1030/AU.1/07/1298-2/1/II/2025 AU.1/07/1298-2/1/II/2025 dated February 18, 2025.
tanggal 18 Februari 2025.
3. Memberikan pelunasan dan pembebasan tanggung jawab 3. Grant full release and discharge of responsibility to the members
sepenuhnya kepada para anggota Direksi dan Dewan Komisaris atas of the Board of Directors and the Board of Commissioners for the
pengurusan dan pengawasan yang telah dijalankan selama tahun management and supervision carried out during the fiscal year 2024,
buku 2024 sepanjang tindakan-tindakan tersebut tercermin dalam as long as these actions are reflected in the Financial Statements.
Laporan Keuangan tersebut.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2025: Follow-up on Decision Results Until the End of 2025:
Laporan Keuangan dan Laporan Tahunan telah disampaikan kepada OJK The Financial Report and Annual Report have been submitted to the
dan Bursa Efek Indonesia melalui Sistem Pelaporan Elektronik, dan telah Financial Services Authority (OJK) and the Indonesia Stock Exchange
dipublikasikan melalui situs website Perseroan. through the Electronic Reporting System and have been published on the
Company's website.
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Agenda Mata Acara 2
Second Meeting Agenda
Penetapan Penggunaan Laba Bersih Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2024.
Determination of the Use of the Company’s Net Profit for the Fiscal Year ending December 31, 2024.
Keputusan Mata Acara 2
Decision of the Second Meeting Agenda
Pengambilan Dengan Pemungutan Suara
Keputusan By Voting
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
17.676.983.319 saham Nihil Nihil 17.676.983.319 saham
atau 100% Nil Nil atau 100%
17.676.983.319 shares 17.676.983.319 shares
or 100% or 100%
1. Menetapkan seluruh Laba bersih Perseroan tahun buku 2024 yaitu 1. Determine that the Company's entire net profit for the fiscal year
sebesar Rp467.105.739.014,- (empat ratus enam puluh tujuh miliar 2024, amounting to IDR467,105,739,014 (four hundred sixty-seven
seratus lima juta tujuh ratus tiga puluh sembilan ribu empat belas billion one hundred five million seven hundred thirty-nine thousand
rupiah) digunakan sebagai berikut: fourteen rupiah), will be used as follows:
a. sebesar Rp2.784.828,- (dua juta tujuh ratus delapan puluh empat a. IDR2,784,828 (two million seven hundred eighty-four thousand
ribu delapan ratus dua puluh delapan rupiah) disisihkan sebagai eight hundred twenty-eight rupiah) will be set aside as a reserve
dana cadangan guna memenuhi ketentuan Pasal 70 UUPT; fund to comply with the provisions of Article 70 of the Company
Law;
b. sebesar Rp233.382.954.186,- (dua ratus tiga puluh tiga miliar tiga b. IDR233,382,954,186 (two hundred thirty-three billion three
ratus delapan puluh dua juta sembilan ratus lima puluh empat hundred eighty-two million nine hundred fifty-four thousand one
ribu seratus delapan puluh enam rupiah) dibagikan sebagai hundred eighty-six rupiah) will be distributed as cash dividends;
dividen tunai; dan and
c. sisanya sebesar Rp233.720.000.000,- (dua ratus tiga puluh tiga c. The remaining IDR233,720,000,000 (two hundred thirty-three
miliar tujuh ratus dua puluh juta rupiah) akan dibukukan sebagai billion seven hundred twenty million rupiah) will be recorded as
laba ditahan. retained earnings.
2. Menyetujui pembagian dividen tunai tersebut dilakukan dengan 2. Approve the distribution of the cash dividends with the following
ketentuan: provisions:
a. Tata cara dan jadwal pembagian dividen tunai akan ditetapkan a. The procedures and schedule for the distribution of cash
kemudian; dividends will be determined later;
b. Pembayaran atas dividen tunai tersebut akan dipotong pajak b. Payment of the cash dividend will be subject to tax deductions in
sesuai dengan peraturan perpajakan yang berlaku. accordance with applicable tax regulations.
3. Menyetujui pemberian kuasa dan wewenang kepada Direksi untuk 3. Approve the granting of power and authority to the Board of Directors
mengatur tata cara dan jadwal pembayaran dividen tunai tersebut to regulate the procedures and schedule for payment of the cash
serta mengumumkannya sesuai dengan ketentuan peraturan dividend and to announce it in accordance with applicable laws and
perundangan yang berlaku. regulations.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2025: Follow-up on Decision Results Until the End of 2025:
Bank telah merealisasikan penggunaan laba bersih sesuai dengan hasil The Bank has realized the use of net profit in accordance with the
keputusan Rapat Umum Pemegang Saham Tahunan. resolutions of the Annual General Meeting of Shareholders.
Agenda Mata Acara 3
Third Meeting Agenda
Laporan Direksi atas Rencana Kerja (Business Plan) Perseroan Tahun 2025 dan Laporan Rencana Aksi Keuangan Berkelanjutan.
The Board of Directors’ Report on the Company’s Business Plan for 2025 and Report on the Sustainable Financial Action Plan.
Untuk mata acara Rapat Ketiga ini tidak mengambil keputusan Rapat karena sifatnya hanya untuk dikomunikasikan kepada para Pemegang Saham.
For the agenda of the Third Meeting, no resolutions are made at the Meeting because they are only intended to be communicated to Shareholders.
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Good Corporate Governance Sustainability Report Financial Statements
Agenda Mata Acara 4
Fourth Meeting Agenda
Persetujuan Penunjukkan Akuntan Publik dan/atau Kantor Akuntan Publik yang akan melakukan audit atas Laporan Keuangan Perseroan untuk Tahun
Buku 2025.
Approval of the Appointment of a Public Accountant and/or Public Accounting Firm to conduct an audit of the Company's Financial Statements for the
Fiscal Year 2025.
Keputusan Mata Acara 4
Decision of the Fourth Meeting Agenda
Pengambilan Dengan Pemungutan Suara
Keputusan By Voting
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
17.676.983.319 saham Nihil Nihil 17.676.983.319 saham
atau 100% Nil Nil atau 100%
17.676.983.319 shares or 17.676.983.319 shares
100% or 100%
Memberikan wewenang dan kuasa kepada Dewan Komisaris untuk Granting authority and power to the Board of Commissioners to appoint
menunjuk Kantor Akuntan Publik yang terdaftar di Otoritas Jasa Keuangan, a Public Accounting Firm registered with the Financial Services Authority,
yang akan melakukan audit terhadap keuangan Perseroan tahun buku which will audit the Company's finances for the fiscal year 2025, taking
2025 dengan memperhatikan rekomendasi dari Komite Audit untuk into account the recommendations of the Audit Committee to obtain the
mendapatkan auditor dengan kualitas dan harga terbaik. best quality and price auditor.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2025: Follow-up on Decision Results Until the End of 2025:
Penunjukan Kantor Akuntan Publik Amir Abadi Jusuf, Aryanto, Mawar The appointment of the Public Accounting Firm Amir Abadi Jusuf,
& Rekan telah dilakukan oleh Dewan Komisaris dengan memperhatikan Aryanto, Mawar & Rekan has been made by the Board of Commissioners,
rekomendasi dari Komite Audit dan telah dilaporkan kepada OJK melalui taking into account the recommendations of the Audit Committee, and
Surat No. 145/SKL-UTA-REG/25 tertanggal 16 Oktober 2025 perihal has been reported to the OJK through Letter No. 145/SKL-UTA-REG/25
Laporan Penunjukan Akuntan Publik dan/atau Kantor Akuntan Publik dated October 16, 2025, concerning the Report on the Appointment of a
dalam Rangka Audit atas Informasi Keuangan Historis Tahunan pada PT Public Accountant and/or Public Accounting Firm for the Audit of Annual
Allo Bank Indonesia Tbk. Historical Financial Information at PT Allo Bank Indonesia Tbk.
Agenda Mata Acara 5
Fifth Meeting Agenda
Perubahan Susunan Pengurus Perseroan.
Changes in the Company’s Management Composition.
Keputusan Mata Acara 5
Decision of the Fifth Meeting Agenda
Pengambilan Dengan Pemungutan Suara
Keputusan By Voting
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
17.675.618.219 saham 1.365.100 saham Nihil 17.675.618.219 saham
atau 99,992% atau 0,008% Nil atau 99,992%
17.675.618.219 shares 1.365.100 shares or 0,008% 17.675.618.219 shares
or 99,992% or 99,992%
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1. Menerima pengunduran diri Bapak Arief Tendeas selaku Direktur 1. Accept the resignation of Mr. Arief Tendeas as Director of the
Perseroan. Company.
Dengan keputusan di atas maka terhitung sejak ditutupnya Rapat With the above resolution, effective as of the closing of this General
Umum Pemegang Saham ini susunan anggota Direksi Perseroan Meeting of Shareholders, the composition of the Company's Board of
menjadi sebagai berikut: Directors is as follows:
Direksi Board of Directors
Direktur Utama : Indra Utoyo President Director : Indra Utoyo
Direktur : Ari Yanuanto Asah Director : Ari Yanuanto Asah
Direktur : Ganda Raharja Rusli Director : Ganda Raharja Rusli
Direktur : Sajal Bhatnagar Director : Sajal Bhatnagar
2. Menyetujui pemberian kuasa kepada Direksi Perseroan untuk 2. Approve the granting of power of attorney to the Company's Board of
menyatakan keputusan Rapat ini dalam akta notaris dan Directors to state the decisions of this Meeting in a notarial deed and
melaporkannya kepada instansi yang berwenang. report them to the authorized agencies.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2025: Follow-up on Decision Results Until the End of 2025:
Bank telah merealisasikan perubahan susunan pengurus Perseroan sesuai The Bank has implemented changes to the Company's management
dengan hasil keputusan Rapat Umum Pemegang Saham Tahunan. structure in accordance with the resolutions of the Annual General Meeting
of Shareholders.
Agenda Mata Acara 6
Sixth Meeting Agenda
Penetapan Honorarium dan Tunjangan Lainnya bagi Direksi dan Dewan Komisaris Perseroan untuk Tahun 2025.
Determination of Honorarium and Other Allowances for the Company's Directors and Board of Commissioners for 2025.
Keputusan Mata Acara 6
Decision of the Sixth Meeting Agenda
Pengambilan Dengan Pemungutan Suara
Keputusan By Voting
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
17.676.983.319 saham atau Nihil Nihil 17.676.983.319 saham atau
100% Nil Nil 100%
17.676.983.319 shares or 17.676.983.319 shares or
100% 100%
1. Menetapkan budget honorarium bagi seluruh anggota Dewan 1. Determine the honorarium budget for all members of the Board of
Komisaris maksimal sebesar Rp415.000.000,- (empat ratus lima belas Commissioners at a maximum of IDR415,000,000 (four hundred and
juta rupiah) per bulan, pajak ditanggung Perseroan, dan memberikan fifteen million rupiah) per month, with taxes borne by the Company,
kuasa dan wewenang kepada Dewan Komisaris Perseroan untuk and grant the power and authority to the Company's Board of
menetapkan pembagiannya serta tunjangan lainnya bagi masing- Commissioners to determine its distribution and other allowances
masing anggota Dewan Komisaris, yang berlaku sampai dengan for each member of the Board of Commissioners, which is valid
diputuskan lain dalam Rapat Umum Pemegang Saham Tahunan until decided otherwise at the next Annual General Meeting of
berikutnya. Shareholders.
2. Menyetujui pemberian kuasa dan wewenang kepada Dewan Komisaris 2. Approve the granting of power and authority to the Board of
untuk dan atas nama Rapat menetapkan gaji dan tunjangan lainnya Commissioners for and on behalf of the Meeting to determine the
bagi masing-masing anggota Direksi Perseroan. salary and other allowances for each member of the Company's Board
of Directors.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2025: Follow-up on Decision Results Until the End of 2025:
Penetapan gaji anggota Direksi dan honorarium anggota Dewan Komisaris The Board of Commissioners has determined the salaries of members of
untuk tahun buku yang berakhir pada tanggal 31 Desember 2025 telah the Board of Directors and the honorarium of members of the Board of
dilakukan oleh Dewan Komisaris. Commissioners for the fiscal year ended December 31, 2025.
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Agenda Mata Acara 7
Seventh Meeting Agenda
Laporan dan Pertanggungjawaban Realisasi Penggunaan Dana Hasil Penawaran Umum.
Report and Accountability for the Realization of the Use of Funds from the Public Offering.
Keputusan Mata Acara 7
Decision of the seventh Meeting Agenda
Pengambilan Dengan Pemungutan Suara
Keputusan By Voting
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
17.676.983.319 saham Nihil Nihil 17.676.983.319 saham
atau 100% Nil Nil atau 100%
17.676.983.319 shares 17.676.983.319 shares
or 100% or 100%
Menerima dan menyetujui Laporan dan Pertanggungjawaban Perseroan Accept and approve the Company's Report and Accountability for the
atas Realisasi Penggunaan Dana Hasil Penawaran Umum untuk posisi per Realization of the Use of Proceeds from the Public Offering for the position
tanggal Rapat. as of the Meeting date.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2025: Follow-up on Decision Results Until the End of 2025:
Bank telah mempertanggungjawabkan realisasi penggunaan dana hasil The Bank has been accountable for the realization of the use of proceeds
penawaran umum termasuk pelaporannya kepada OJK melalui Sarana from the public offering, including reporting to the Financial Services
Pelaporan Elektronik sesuai dengan ketentuan dalam POJK No. 30/ Authority (OJK) through Electronic Reporting Facilities in accordance with
POJK.04/2015 tentang Laporan Realisasi Penggunaan Dana Hasil the provisions of POJK No. 30/POJK.04/2015 concerning Reports on the
Penawaran Umum. Realization of the Use of Proceeds from Public Offerings.
Agenda Mata Acara 8
Eighth Meeting Agenda
Persetujuan Rencana Aksi Pemulihan.
Approval of the Recovery Action Plan.
Keputusan Mata Acara 8
Decision of the Eighth Meeting Agenda
Pengambilan Dengan Pemungutan Suara
Keputusan By Voting
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
17.676.983.319 saham Nihil Nihil 17.676.983.319 saham
atau 100% Nil Nil atau 100%
17,676,983,319 shares 17,676,983,319 shares
or 100% or 100%
1. Menyetujui Rencana Aksi Pemulihan Perseroan yang telah disusun 1. Approve the Company's Recovery Action Plan, which has been
dalam Dokumen Rencana Aksi Pemulihan Periode tahun 2024 prepared in the 2024 Recovery Action Plan Document and submitted
dan disampaikan Perseroan kepada OJK dalam rangka memenuhi by the Company to the Financial Services Authority (OJK) in order to
ketentuan POJK No.5/2024. comply with the provisions of POJK No. 5/2024.
2. Menyetujui memberi kuasa dan wewenang kepada Direksi Perseroan 2. Approve the granting of power and authority to the Company's Board
untuk melaksanakan salah satu atau beberapa opsi dalam Rencana of Directors to implement one or more options in the Company's
Aksi Pemulihan Perseroan tersebut dengan terlebih dahulu Recovery Action Plan, with prior approval from the Board of
mendapatkan persetujuan Dewan Komisaris, termasuk apabila terjadi Commissioners. This includes, in the event of urgent circumstances,
situasi dan kondisi yang mendesak, dimana Direksi Perseroan harus where the Company's Board of Directors must implement one or
melaksanakan salah satu atau beberapa opsi dalam Rencana Aksi more options in the Company's Recovery Action Plan that require
Pemulihan Perseroan yang memerlukan persetujuan Rapat Umum the approval of the General Meeting of Shareholders, provided that
Pemegang Saham, dengan syarat tetap memperhatikan ketentuan the Company remains compliant with Capital Market regulations,
peraturan perundangan di sektor Pasar Modal mengingat Perseroan considering that the Company is a Public Company.
merupakan Perusahaan Terbuka.
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3. Menyatakan pemberian kuasa dan wewenang tersebut berlaku 3. Declare that the granting of power and authority shall be effective
terhitung sejak usul yang diajukan dalam acara ini diterima dan from the date the proposal submitted in this agenda item is received
disetujui oleh Rapat ini. and approved by this Meeting.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2025: Follow-up on Decision Results Until the End of 2025:
Telah direalisasikan pada tahun 2025. Implemented in 2025.
RUPS Luar Biasa tanggal 9 Oktober 2025
Extraordinary GMS on October 9, 2025
Hari/Tanggal Kamis, 9 Oktober 2025
Day/Date Thursday, October 9, 2025
Waktu 14.20 - 14.30 WIB
Time 14.20 – 14.30 (Western Indonesia Time)
Tempat Auditorium Menara Bank Mega Lantai 3, Jl. Kapten Pierre Tendean Kavling 12-14A, Jakarta
Venue
Kehadiran Dewan Komisaris | Board of Commissioners
Attendance Komisaris Utama Independen | Independent President Commissioner : Aviliani
Komisaris Independen | Independent Commissioner : Rosmaya
Komisaris | Commissioner : Ali Gunawan
Direksi | Board of Directors
Direktur | Director : Ari Yanuanto Asah
Direktur | Director : Ganda Raharja Rusli
Direktur | Director : Sajal Bhatnagar
Jumlah Pemegang Saham RUPS Luar Biasa dihadiri oleh pemegang saham yang mewakili 14.942.405.465 saham atau 68,9297% dari jumlah
yang Bertanya saham dengan hak suara yang sah yang telah dikeluarkan oleh Perseroan yang seluruhnya berjumlah 21.730.256.442
Number of Shareholders who saham.
Asked Questions
RUPS Luar Biasa dipimpin oleh Aviliani selaku Komisaris Utama Independen. Dalam setiap pembahasan agenda
RUPS Luar Biasa, para pemegang saham telah diberikan kesempatan untuk menyampaikan pandangannya dan/atau
pertanyaan terkait dengan usulan agenda yang dibahas dalam RUPS Luar Biasa. Keputusan atas keseluruhan agenda
RUPS Luar Biasa diambil berdasarkan musyawarah untuk mufakat.
The Extraordinary GMS was attended by shareholders representing 14,942,405,465 shares, or 68.9297% of the total
number of shares with valid voting rights issued by the Company, which totals 21,730,256,442 shares.
The Extraordinary GMS was chaired by Aviliani, the Independent President Commissioner. During each discussion on
the Extraordinary GMS agenda, shareholders were given the opportunity to express their views and/or ask questions
related to the proposed agenda items discussed at the Extraordinary GMS. Decisions on all Extraordinary GMS agenda
items were made by deliberation to reach consensus.
Informasi Ketidakhadiran RUPS Tahunan dihadiri oleh seluruh anggota Dewan Komisaris dan Direksi.
Dewan Komisaris dan
Direksi dalam RUPS The Annual GMS was attended by all members of the Board of Commissioners and Directors.
Information on Attendance of
the Board of Commissioners
and Directors at the GMS
Tahapan pelaksanaan RUPS Luar Biasa tanggal 9 Oktober The stages of implementing the Extraordinary GMS on October
2025 adalah sebagai berikut: 9, 2025 are as follows:
Kegiatan Tanggal Keterangan
Activity Date Description
Pengumuman RUPS Luar Biasa 02 September Pengumuman pelaksanaan RUPS Luar Biasa kepada Pemegang Saham melalui
Announcement of Extraordinary GMS 2025 website PT Bursa Efek Indonesia (www.idx.co.id), situs web Bank (www.allobank.
September 2, 2025 com) dan situs website eASY.KSEI melalui https://akses.ksei.co.id.
Announcement of the implementation of the Extraordinary GMS to Shareholders
through the website of PT Bursa Efek Indonesia (www.idx.co.id), the Bank's website
(www.allobank.com) and the eASY.KSEI website via https://akses.ksei.co.id.
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Kegiatan Tanggal Keterangan
Activity Date Description
Pemanggilan RUPS Luar Biasa 17 September 2025 Pemanggilan RUPS Luar Biasa kepada Pemegang Saham melalui website PT
Summoning of Extraordinary GMS Septermber 17, Bursa Efek Indonesia (www.idx.co.id), situs web Bank (www.allobank.com) dan
2025 situs website eASY.KSEI melalui https://akses.ksei.co.id.
Summoning of the implementation of the Extraordinary GMS to Shareholders
through the website of PT Bursa Efek Indonesia (www.idx.co.id), the Bank's website
(www.allobank.com) and the eASY.KSEI website via https://akses.ksei.co.id.
Publikasi Ringkasan Risalah RUPS Luar Biasa 13 Oktober 2025 Pemberitahuan publikasi Ringkasan Risalah RUPS Luar Biasa kepada Masyarakat
Publication of Summary of Minutes of October 13, 2025 melalui website PT Bursa Efek Indonesia (www.idx.co.id), situs web Bank (www.
Extraordinary GMS allobank.com) dan situs website eASY.KSEI melalui https://akses.ksei.co.id.
Publication of the Summary of Minutes of the Extraordinary GMS to the Public via
the Indonesia Stock Exchange website (www.idx.co.id), the Bank's website (www.
allobank.com) and the eASY.KSEI website via https://akses.ksei.co.id.
Hasil Keputusan RUPS Luar Biasa telah dituangkan dalam The results of the Extraordinary GMS decisions have been set
Akta Berita Acara RUPS Luar Biasa No. 4 tanggal 9 Oktober out in the Deed of Minutes of Extraordinary GMS No. 4 dated
2025 di hadapan Dharma Akhyuzi S.H., Notaris di Jakarta. October 9, 2025, before Dharma Akhyuzi S.H., Notary in
Seluruh keputusan dalam RUPS dilakukan dengan musyawarah Jakarta. All decisions at the GMS were made by deliberation
mufakat. Adapun hasil keputusan RUPS serta pelaksanaannya and consensus. The results of the GMS decisions, as well as
dan tindak lanjutnya oleh Manajemen Bank hingga akhir tahun their implementation and follow-up by Bank Management until
2025 adalah sebagai berikut: the end of 2025, are as follows:
Mata Acara Rapat dan Keputusannya serta Tindak Lanjut atas Hasil Keputusan Rapat
Meeting Agenda and Decisions, as well as Follow-up on Meeting Resolutions
Agenda Mata Acara 1
First Meeting Agenda
Perubahan Susunan Pengurus Perseroan.
Changes on the Company’s Management Composition.
Keputusan Mata Acara 1
Decision of the First Meeting Agenda
Pengambilan Dengan Pemungutan Suara
Keputusan By Voting
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
14.940.894.065 saham 1.511.300 saham atau 0,01% Nihil 14.940.894.065 saham
atau 99,99% 1.511.300 shares or 0,01% Nil atau 99,99%
14.940.894.065 shares 14.940.894.065 shares
or 99,99% or 99,99%
1. Menerima pengunduran diri Bapak Indra Utoyo selaku Direktur Utama 1. Accept the resignation of Mr. Indra Utoyo as the Company's President
Perseroan terhitung sejak tanggal 10 Juli 2025. Dengan keputusan di Director effective July 10, 2025. With the above decision, effective
atas maka terhitung sejak ditutupnya Rapat Umum Pemegang Saham as of the closing of this General Meeting of Shareholders, the
ini susunan anggota Direksi Perseroan menjadi sebagai berikut: composition of the Company's Board of Directors is as follows:
Direksi Board of Directors
Direktur : Ari Yanuanto Asah Director : Ari Yanuanto Asah
Direktur : Sajal Bhatnagar Director : Sajal Bhatnagar
Direktur : Ganda Raharja Rusli Director : Ganda Raharja Rusli
2. Menyetujui pemberian kuasa kepada Direksi Perseroan untuk 2. Approve the granting of power of attorney to the Company's Board of
menyatakan keputusan Rapat ini dalam akta notaris dan Directors to state the decisions of this Meeting in a notarial deed and
melaporkannya kepada instansi yang berwenang. report it to the authorized agency.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2025: Follow-up on Decision Results Until the End of 2025:
Telah Dituangkan melalui Akta Berita Acara Rapat Umum Pemegang This has been documented in the Deed of Minutes of the Extraordinary
Saham Luar Biasa No. 4 tanggal 9 Oktober 2025 di hadapan Dharma General Meeting of Shareholders No. 4 dated October 9, 2025, before
Akhyuzi S.H., Notaris di Jakarta dan telah dilaporkan kepada OJK serta Dharma Akhyuzi S.H., Notary in Jakarta. It has been reported to the
telah diimplementasikan. Financial Services Authority (OJK) and implemented.
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Penyelenggaraan RUPS Tahun 2024
Holding of the 2024 GMS
Di tahun 2024, Bank telah menyelenggarakan RUPS sebanyak In 2024, the Bank held one GMS, consisting of one Annual
1 (satu) kati yang terdiri dari 1 (satu) kali RUPS Tahunan. Bank GMS. The Bank appointed several independent parties, such
telah menunjuk sejumlah pihak independen, seperti notaris, as notaries, legal consultants, and a Securities Administration
konsultan hukum, dan Biro Administrasi Efek untuk melakukan Bureau to calculate, validate, and vote at the GMS. The details
perhitungan dan/atau validasi dan pengambilan suara dalam of the meetings, including the agenda and follow-up to the
RUPS. Adapun rincian rapat beserta agenda dan tindak lanjut 2024 GMS decisions, are as follows:
keputusan RUPS di tahun 2024 dapat dilihat sebagai berikut:
RUPS Tahunan tanggal 31 Mei 2024
Annual GMS dated May 31, 2024
Hari/Tanggal Jumat, 31 Mei 2024
Day/Date Friday, May 31, 2024
Waktu 14.22 - 15.37 WIB
Time 14.22 – 15.37 (Western Indonesia Time)
Tempat Auditorium Menara Bank Mega Lantai 3
Venue Auditorium Menara Bank Mega 3rd Floor
Kehadiran Dewan Komisaris | Board of Commissioners
Attendance Komisaris Utama Independen | Independent President Commissioner : Aviliani
Komisaris Independen | Independent Commissioner : Rosmaya
Komisaris | Commissioner : Ali Gunawan
Direksi | Board of Directors
Direktur Utama | President Director : Indra Utoyo
Direktur | Director : Ari Yanuanto Asah
Direktur | Director : Arief Tendeas
Direktur | Director : Ganda Raharja Rusli
Direktur | Director : Sajal Bhatnagar
Jumlah Pemegang Saham Kehadiran Para Pemegang Saham
yang Bertanya Dengan memperhatikan daftar pemegang saham per tanggal 7 Mei 2024, RUPS Tahunan telah dihadiri atau diwakili
Number of Shareholders who oleh para pemegang saham yang memiliki 19.943.980.501 saham atau 91,78% dari jumlah saham dengan hak suara
Asked Questions yang sah yang telah dikeluarkan oleh Perseroan yang seluruhnya berjumlah 21.730.256.442 saham.
RUPS Tahunan dipimpin oleh Aviliani selaku Komisaris Utama Independen. Dalam setiap pembahasan agenda RUPS
Tahunan, para pemegang saham telah diberikan kesempatan untuk menyampaikan pandangannya dan/atau pertanyaan
terkait dengan usulan agenda yang dibahas dalam RUPS Tahunan.
Walaupun terdapat satu pertanyaan terkait laporan keuangan Perseroan, tidak ada pemegang saham yang
menyampaikan pendapatnya pada saat pembahasan setiap agenda yang diusulkan dalam RUPST. Keputusan atas
keseluruhan agenda RUPS Tahunan diambil berdasarkan musyawarah untuk mufakat.
Shareholder Attendance
Based on the shareholder list as of May 7, 2024, the Annual General Meeting of Shareholders (AGMS) was attended or
represented by shareholders holding 19,943,980,501 shares, representing 91.78% of the total number of shares with
valid voting rights issued by the Company, totaling 21,730,256,442 shares.
The Annual General Meeting of Shareholders was chaired by Aviliani, the Independent President Commissioner. During
each discussion of the Annual General Meeting agenda, shareholders were given the opportunity to express their views
and/or ask questions related to the proposed agenda items discussed at the Annual General Meeting.
Although there was one question regarding the Company's financial statements, no shareholders expressed their
opinions during the discussion of any of the proposed agenda items at the AGMS. Decisions on the entire Annual
General Meeting agenda were made by deliberation to reach consensus.
Informasi Ketidakhadiran Seluruh Dewan Komisaris serta Direksi hadir dalam RUPS
Dewan Komisaris dan All of the Board of Commissioners and Board of Directors were present at the GMSs
Direksi dalam RUPS
Information on Attendance of
the Board of Commissioners
and Directors at the GMS
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Tahapan pelaksanaan RUPS Tahunan tanggal 31 Mei 2024 The stages for implementing the Annual GMS on May 31, 2024
adalah sebagai berikut: are as follows:
Kegiatan Tanggal Keterangan
Activity Date Description
Pengumuman RUPS Tahunan 23 April 2024 Pengumuman pelaksanaan RUPS Tahunan kepada Pemegang Saham melalui
Annual GMS Announcement April 23, 2024 website PT Bursa Efek Indonesia (www.idx.co.id), situs web Bank (www.allobank.
com) dan situs website eASY.KSEI melalui https://akses.ksei.co.id.
Announcement of the implementation of the Annual GMS to Shareholders via
the PT Bursa Efek Indonesia website (www.idx.co.id), the Bank website (www.
allobank.com) and the eASY.KSEI website via https://akses.ksei.co. id.
Pemanggilan RUPS Tahunan 8 Mei 2024 Pemanggilan RUPS Tahunan kepada Pemegang Saham melalui website PT Bursa
Annual GMS Announcement May 8, 2024 Efek Indonesia (www.idx.co.id), situs web Bank (www.allobank.com) dan situs
website eASY.KSEI melalui https://akses.ksei.co.id.
Invitation to the Annual GMS to Shareholders via the PT Bursa Efek Indonesia
website (www.idx.co.id), the Bank website (www.allobank.com) and the eASY.KSEI
website via https://akses.ksei.co.id.
Publikasi Ringkasan Risalah RUPS Tahunan 4 Juni 2024 Pemberitahuan publikasi Ringkasan Risalah RUPS Tahunan kepada Masyarakat
Publication of Summary of Annual GMS June 4, 2024 melalui website PT Bursa Efek Indonesia (www.idx.co.id), situs web Bank (www.
Minutes allobank.com) dan situs website eASY.KSEI melalui https://akses.ksei.co.id.
Notification of the publication of the Summary of Annual GMS Minutes to the
Public via the PT Bursa Efek Indonesia website (www.idx.co.id), the Bank website
(www.allobank.com) and the eASY.KSEI website via https://akses.ksei.co.id.
Hasil Keputusan RUPS telah dituangkan dalam Akta Berita The results of the GMS Decisions have been stated in the Deed
Acara RUPS Tahunan No. 04 tanggal 31 Mei 2024. Seluruh of Minutes of the Annual GMS No. 04 dated May 31, 2024.
keputusan dalam RUPS dilakukan dengan musyawarah All decisions at the GMS were made by deliberation and
mufakat. Adapun hasil keputusan RUPS serta pelaksanaannya consensus. The results of the GMS decisions as well as their
dan tindak lanjutnya oleh Manajemen Bank hingga akhir tahun implementation and follow-up by Bank Management until the
2024 adalah sebagai berikut: end of 2024 are as follows:
Mata Acara Rapat dan Keputusannya serta Tindak Lanjut atas Hasil Keputusan Rapat audit
Meeting Agenda and Decisions and Follow-up on the Results of the Audit Meeting Decisions
Agenda Mata Acara 1
First Meeting Agenda
Persetujuan dan Pengesahan Laporan Tahunan Perseroan untuk Tahun Buku yang Berakhir pada tanggal 31 Desember 2023, yang terdiri dari:
1. Laporan Pengurus Perseroan;
2. Laporan Keuangan Perseroan; dan
3. Laporan Pengawasan Dewan Komisaris Perseroan.
Approval and Ratification of the Company’s Financial Report for the Fiscal Year Ending December 31, 2024, consisting of:
1. Report of the Company’s Management;
2. Financial Report of the Company; and
3. Supervisory Report of the Company’s Board of Commissioners.
Keputusan Mata Acara 1
Decision of the First Meeting Agenda
Pengambilan Dengan Pemungutan Suara
Keputusan By Voting
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
19.943.970.461 saham atau 10.040 saham atau Nihil 19.943.980.501 saham atau
99,9999497% 0,0000503% Nil 100,0000000%
19.943.970.461 shares or 10.040 shares or 19.943.980.501 shares or
99,9999497% 0,0000503% 100,0000000%
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1. Menerima baik dan menyetujui Laporan Tahunan Direksi mengenai 1. Receive and approve the Directors’ Report regarding the
pengurusan Perseroan selama tahun 2023 dan Laporan Pengawasan management of the Company for the 2023 fiscal year and the Board
Dewan Komisaris untuk tahun buku yang berakhir pada tanggal 31 of Commissioners’ Supervision Report for the fiscal year ending
Desember 2023. December 31, 2023.
2. Menerima dan mengesahkan Laporan Keuangan untuk Tahun Buku 2. Receive and approve the Financial Report for the Fiscal Year ending
yang berakhir pada tanggal 31 Desember 2023 yang termasuk December 31, 2023 which includes the Balance Sheet and Profit and
didalamnya Neraca dan perhitungan Laba-Rugi yang telah diaudit Loss calculations which have been audited by the Public Accounting
Kantor Akuntan Publik Amir Abadi Jusuf, Aryanto, Mawar & Rekan Firm Amir Abadi Jusuf, Aryanto, Mawar & Rekan & Partners with report
dengan laporannya No. 00011/2.1030/AU.1/07/1298-1/1/I/2024 No. 00011/2.1030/AU.1/07/1298- 1/1/I/2024 dated January 29, 2024.
tanggal 29 Januari 2024.
3. Memberikan pelunasan dan pembebasan tanggung jawab 3. Provide full repayment and release of responsibility to members of the
sepenuhnya kepada para anggota Direksi dan Dewan Komisaris atas Board of Directors and Board of Commissioners for the management
pengurusan dan pengawasan yang telah dijalankan selama tahun and supervision that has been carried out during the 2023 fiscal year
buku 2023 sepanjang tindakan-tindakan tersebut tercermin dalam as long as these actions are reflected in the Financial Report.
Laporan Keuangan tersebut.
Agenda Mata Acara 2
Second Meeting Agenda
Penetapan Penggunaan Laba Bersih Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2023.
Determination of the Use of the Company’s Net Profit for the Fiscal Year ending December 31, 2023.
Keputusan Mata Acara 2
Decision of the Second Meeting Agenda
Pengambilan Dengan Pemungutan Suara
Keputusan By Voting
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
19.943.980.501 saham atau Nihil Nihil 19.943.980.501 saham atau
100,0000000% Nil Nil 100,0000000%
19.943.980.501 shares or 19.943.980.501
100,0000000% Shares or 100,0000000%
Menetapkan seluruh Laba bersih Perseroan tahun buku 2023 yaitu sebesar Determining the entire Net Profit of the Company for the 2023 Fiscal year,
Rp444.566.134.304,- (empat ratus empat puluh empat milyar lima ratus namely IDR IDR444,566,134,304 (four hundred and forty four billion five
enam puluh enam juta seratus tiga puluh empat ribu tiga ratus empat hundred and sixty six million one hundred and thirty four thousand three
rupiah) digunakan sebagai berikut: hundred and four rupiah) is used as follows:
1. sebesar Rp6.134.304,- (enam juta seratus tiga puluh empat ribu 1. An amount of IDR6,134,304 (six million one hundred thirty four
tiga ratus empat rupiah) disisihkan sebagai dana cadangan guna thousand three hundred and four rupiah) is set aside as reserve funds
memenuhi ketentuan Pasal 70 UUPT; dan to fulfill the provisions of Article 70 of the Company Law; and
2. sisanya sebesar Rp444.560.000.000,- (empat ratus empat puluh 2. The remaining IDR444,560,000,000 (four hundred and forty four
empat miliar lima ratus enam puluh juta rupiah) akan dibukukan billion five hundred and sixty million rupiah) will be recorded as
sebagai laba ditahan. retained earnings.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2024: Follow-up on Decision Results Until the End of 2024:
Bank telah menetapkan penggunaan laba bersih sesuai dengan hasil The Bank has determined the use of net profit in accordance with the
keputusan Rapat Umum Pemegang Saham Tahunan dalam pembukuan results of the decision of the Annual General Meeting of Shareholders in
keuangan Bank. the Bank’s financial books.
Agenda Mata Acara 3
Third Meeting Agenda
Laporan Direksi atas Rencana Kerja (Business Plan) Perseroan Tahun 2024 dan Laporan Rencana Aksi Keuangan Berkelanjutan.
The Board of Directors’ Report on the Company’s Business Plan for 2024 and Report on the Sustainable Financial Action Plan.
Untuk mata acara Rapat Ketiga ini tidak mengambil keputusan Rapat karena sifatnya hanya untuk dikomunikasikan kepada para Pemegang Saham.
For the agenda of the Third Meeting, no resolutions are made at the Meeting because they are only intended to be communicated to Shareholders.
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Agenda Mata Acara 4
Fourth Meeting Agenda
Penunjukkan Kantor Akuntan Publik yang Akan Melakukan Audit atas Laporan Keuangan Perseroan untuk Tahun Buku 2024.
Appointment of a Public Accounting Firm that will audit the Company’s Financial Report for the 2024 Financial Year.
Keputusan Mata Acara 4
Decision of the Fourth Meeting Agenda
Pengambilan Dengan Pemungutan Suara
Keputusan By Voting
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
19.943.970.461 saham atau 10.040 saham atau Nihil 19.943.970.461 saham atau
99,9999497% 0,0000503% Nil 99,9999497%
19.943.970.461 shares or 10.040 shares or 19.943.970.461 shares or
99,9999497% 0,0000503% 99,9999497%
Memberikan wewenang dan kuasa kepada Dewan Komisaris untuk Granting authority and power to the Board of Commissioners to appoint
menunjuk Kantor Akuntan Publik yang terdaftar di Otoritas Jasa Keuangan, a Public Accounting Firm registered with the Financial Services Authority,
yang akan melakukan audit terhadap keuangan Perseroan tahun buku which will conduct an audit of the Company’s finances for the fiscal
2024 dengan memperhatikan rekomendasi dari Komite Audit untuk year 2024 by taking into account the recommendations from the Audit
mendapatkan auditor dengan kualitas dan harga terbaik. Committee to obtain an auditor with the best quality and price.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2024: Follow-up on Decision Results Until the End of 2024:
Penunjukan Kantor Akuntan Publik Amir Abadi Jusuf, Aryanto, Mawar The appointment of Public Accounting Firm Amir Abadi Jusuf, Aryanto,
& Rekan telah dilakukan oleh Dewan Komisaris dengan memperhatikan Mawar & Partners has been carried out by the Board of Commissioners
rekomendasi dari Komite Audit dan telah dilaporkan kepada OJK melalui taking into account recommendations from the Audit Committee and has
Surat No. 146/DIR-OPT-REG/24 tertanggal 6 November 2024 perihal been reported to the OJK through Letter No. 146/DIR-OPT-REG/24 dated
Laporan Penunjukan Akuntan Publik dan/atau Kantor Akuntan Publik November 6, 2024 concerning the Report on the Appointment of Public
dalam rangka Audit atas informasi keuangan historis tahunan pada PT Allo Accountants and/or Public Accounting Firms to audit the annual historical
Bank Indonesia Tbk. financial information of PT Allo Bank Indonesia Tbk.
Agenda Mata Acara 5
Fifth Meeting Agenda
Laporan dan Pertanggungjawaban Realisasi Penggunaan Dana Hasil Penawaran Umum.
Report and Accountability for the Realization of the Use of Funds from the Public Offering.
Keputusan Mata Acara 5
Decision of the Fifth Meeting Agenda
Pengambilan Dengan Pemungutan Suara
Keputusan By Voting
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
9.943.980.501 saham atau Nihil Nihil 19.943.980.501 saham atau
100,0000000% Nil Nil 100,0000000%
9.943.980.501 19.943.980.501
Shares or 100,0000000% Shares or 100,0000000%
Menerima dan menyetujui Laporan dan Pertanggungjawaban Perseroan Receive and approve the Company’s Report and Accountability for the
atas Realisasi Penggunaan Dana Hasil Penawaran Umum untuk posisi per Realization of the Use of Funds from the Public Offering for the position as
tanggal Rapat. of the Meeting date.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2024: Follow-up on Decision Results Until the End of 2024:
Bank telah mempertanggungjawabkan realisasi penggunaan dana hasil The Bank has been responsible for the realization of the use of funds
penawaran umum termasuk pelaporannya kepada OJK melalui Sarana from the public offering including reporting it to the OJK via Electronic
Pelaporan Elektronik sesuai dengan ketentuan dalam POJK No. 30/ Reporting Means in accordance with the provisions in POJK No. 30/
POJK.04/2015 tentang Laporan Realisasi Penggunaan Dana Hasil POJK.04/2015 concerning Report on the Realization of Use of Funds from
Penawaran Umum. the Public Offering.
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Agenda Mata Acara 6
Sixth Meeting Agenda
Pengangkatan Pengurus Perseroan.
The Appointment of Company Management.
Keputusan Mata Acara 6
Decision of the Sixth Meeting Agenda
Pengambilan Dengan Pemungutan Suara
Keputusan By Voting
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
19.943.980.501 saham atau Nihil Nihil 19.943.980.501 saham atau
100,0000000% Nil Nil 100,0000000%
19.943.980.501 19.943.980.501
Shares or 100,0000000% Shares or 100,0000000%
1. Mengangkat kembali seluruh anggota Dewan Komisaris dan anggota 3. Reappoint all members of the Board of Commissioners and members
Direksi Perseroan dengan susunan sebagai berikut: of the Board of Directors of the Company with the following
composition:
Dewan Komisaris Board of Commissioners
Komisaris Utama Independen : Aviliani Independent President Commissioner : Aviliani
Komisaris Independen : Rosmaya Independent Commissioner : Rosmaya
Komisaris : Ali Gunawan Commissioner : Ali Gunawan
Direksi Direksi
Direktur Utama : Indra Utoyo President Director : Indra Utoyo
Direktur : Ari Yanuanto Asah Director : Ari Yanuanto Asah
Direktur : Arief Tendeas Director : Arief Tendeas
Direktur : Ganda Raharja Rusli Director : Ganda Raharja Rusli
Direktur : Sajal Bhatnagar Director : Sajal Bhatnagar
Pengangkatan kembali tersebut berlaku efektif terhitung sejak saat The reappointment is effective from the time this Meeting is closed
Rapat ini ditutup sampai dengan Rapat Umum Pemegang Saham until the Annual General Meeting of Shareholders held in 2027 (two
Tahunan yang diselenggarakan pada tahun 2027 (dua ribu dua puluh thousand twenty seven), without reducing the right of the General
tujuh), dengan tidak mengurangi hak Rapat Umum Pemegang Saham Meeting of Shareholders to dismiss him at any time.
untuk memberhentikannya sewaktu-waktu.
2. Menyetujui pemberian kuasa kepada Direksi Perseroan untuk 2. Approve the granting of power of authority to the Company’s Board of
menyatakan keputusan Rapat ini dalam akta notaris dan melaporkan Directors to state the decisions of this Meeting in a notarial deed and
pengangkatan kembali seluruh anggota Dewan Komisaris dan Direksi report the reappointment of all members of the Company’s Board of
Perseroan kepada instansi yang berwenang. Commissioners and Board of Directors to the competent authority.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2024: Follow-up on Decision Results Until the End of 2024:
Telah Dituangkan melalui Akta Berita Acara Rapat Umum Pemegang It has been stated in the Deed of Minutes of the Annual General Meeting
Saham Tahunan No. 4 tanggal 31 Mei 2024 di hadapan Dharma Akhyuzi of Shareholders No. 4 dated May 31, 2024 before Dharma Akhyuzi S.H.,
S.H., Notaris di Jakarta dan telah diimplementasikan. Notary in Jakarta and has been implemented.
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Agenda Mata Acara 7
Seventh Meeting Agenda
Penetapan Honorarium dan Tunjangan Lainnya Bagi Direksi dan Dewan Komisaris Perseroan untuk Tahun 2024, serta Pembagian Tugas dan Wewenang
Direksi.
Determination of Honorarium and Other Allowances for the Company’s Board of Directors and Board of Commissioners for the Year 2024, as well as
Division of Duties and Authorities of the Board of Directors.
Keputusan Mata Acara 7
Decision of the Seventh Meeting Agenda
Pengambilan Dengan Pemungutan Suara
Keputusan By Voting
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
19.943.970.461 saham atau 10.040 saham atau Nihil 19.943.980.501 saham atau
99,9999497% 0,0000503% Nil 100,0000000%
19.943.970.461 shares or 10.040 shares or 19.943.980.501 shares or
99,9999497% 0,0000503% 100,0000000%
1. Menetapkan budget honorarium bagi seluruh anggota Dewan 1. Determine the net honorarium budget for all members of the Board of
Komisaris maksimal sebesar Rp415.000.000,- (empat ratus lima belas Commissioners of a maximum of IDR415,000,000 (four hundred and
juta rupiah) per bulan, pajak ditanggung Perseroan, dan memberikan fifteen million rupiah) per month, taxes borne by the Company, and
kuasa dan wewenang kepada Dewan Komisaris Perseroan untuk give power and authority to the Company’s Board of Commissioners
menetapkan pembagiannya serta tunjangan lainnya bagi masing- to determine the distribution and other allowances for each each
masing anggota Dewan Komisaris, yang berlaku sampai dengan member of the Board of Commissioners, which is valid until otherwise
diputuskan lain dalam Rapat Umum Pemegang Saham Tahunan decided at the next Annual General Meeting of Shareholders.
berikutnya.
2. Menyetujui pemberian kuasa dan wewenang kepada Dewan Komisaris 2. Approve the granting of power and authority to the Board of
untuk dan atas nama Rapat menetapkan gaji dan tunjangan lainnya Commissioners for and on behalf of the Meeting to determine salaries
bagi masing-masing anggota Direksi Perseroan. and other allowances for each member of the Company’s Board of
Directors.
3. Memberikan kuasa dan wewenang kepada Direksi Perseroan untuk 3. Grant power and authority to the Company’s Board of Directors to
menetapkan pembagian tugas dan wewenang bagi masing-masing determine the division of duties and authority for each member of the
anggota Direksi Perseroan. Company’s Board of Directors.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2024: Follow-up on Decision Results Until the End of 2024:
Penetapan gaji anggota Direksi dan honorarium anggota Dewan Komisaris The determination of salaries for members of the Board of Directors and
untuk tahun buku yang berakhir pada tanggal 31 Desember 2024 telah honorariums for members of the Board of Commissioners for the fiscal
dilakukan oleh Dewan Komisaris. year ending December 31, 2024 has been carried out by the Board of
Commissioners.
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Dewan
Komisaris
● Board of Commissioners
Dewan Komisaris merupakan organ yang The Board of Commissioners is
bertanggung jawab untuk melaksanakan responsible for overseeing general and/
fungsi pengawasan secara umum dan/ or specific management
atau khusus sesuai dengan Anggaran functions, providing advisory support to
Dasar, memberikan nasihat kepada the Board of Directors, and ensuring that
Direksi, serta memastikan bahwa Bank the Bank adheres to GCG principles. The
telah melaksanakan prinsip-prinsip Board of Commissioners is accountable
GCG. Dewan Komisaris bertanggung to shareholders for monitoring the
jawab kepada Pemegang Saham Board of Directors’ policies and overall
dalam hal mengawasi kebijakan Direksi Bank operations. These activities must
terhadap operasional Bank secara align with the business plan approved
umum yang mengacu kepada rencana by the Board of Commissioners and
bisnis yang telah disetujui Dewan Shareholders while ensuring full
Komisaris dan Pemegang Saham, compliance with all applicable laws and
serta memastikan kepatuhan terhadap regulations.
seluruh peraturan dan perundang-
undangan yang berlaku.
Kriteria Dewan Komisaris 1. Setiap anggota Dewan Komisaris 1. Each member of the Board of
memenuhi persyaratan penilaian Commissioners fulfills the fit
Criteria for the Board of
kemampuan dan kepatutan sesuai and proper test requirements in
Commissioners dengan Peraturan OJK mengenai accordance with the OJK Regulation
Penilaian Kemampuan dan regarding Fit and Proper Test for
Kepatutan bagi Dewan Komisaris dan the Board of Commissioners and
Direksi, yaitu persyaratan integritas, Directors, namely the requirements
kompetensi dan reputasi keuangan. for integrity, competence, and
Persyaratan tersebut harus dipenuhi financial reputation. These
Dewan Komisaris pada saat diangkat requirements must be fulfilled by the
dan selama menjabat. Board of Commissioners at the time
of appointment and throughout their
tenure.
2. Dewan Komisaris wajib memenuhi 2. The Board of Commissioners must
persyaratan integritas, kompetensi meet the integrity, competency, and
dan reputasi keuangan sesuai financial reputation requirements
dengan ketentuan yang berlaku. in accordance with applicable
Persyaratan ini agar dimuat regulations. These requirements
dalam surat pernyataan yang should be included in a well-
didokumentasikan oleh Bank documented statement letter by the
dengan baik. Bank.
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3. Persyaratan integritas yang dipenuhi, minimal sebagai 3. The integrity requirements that must be fulfilled are as
berikut: follows:
a. Memiliki akhlak dan moral yang baik, paling sedikit a. Possess good morals and ethics, demonstrated at least
ditunjukan dengan sikap mematuhi ketentuan yang by complying with applicable regulations, including
berlaku, termasuk tidak pernah dihukum karena terbukti not having been convicted of a crime within a certain
melakukan tindak pidana dalam jangka waktu tertentu period before being nominated.
sebelum dicalonkan.
b. Cakap melakukan perbuatan hukum. b. Capable of carrying out legal actions.
c. Memiliki komitmen untuk mematuhi peraturan c. Have a commitment to comply with laws and regulations
perundang-undangan dan mendukung kebijakan and support the applicable regulatory policies.
regulator yang berlaku.
d. Memiliki komitmen terhadap pengembangan d. Have a commitment to the development of a healthy
operasional Bank yang sehat. Bank operation.
e. Tidak sedang dalam proses hukum dan/atau proses uji e. Currently not in a legal process and/or a fit and proper
kemampuan dan kepatutan pada suatu Bank. test process at a Bank.
f. Tidak termasuk sebagai pihak yang dilarang untuk f. Does not work in a company that prohibits becoming a
menjadi Dewan Komisaris. member of the Board of Commissioners.
g. Memiliki komitmen untuk tidak melakukan dan/atau g. Have a commitment not to engage in and/or repeat
mengulangi perbuatan dan/atau tindakan tertentu, bagi certain actions or behaviors, for candidates for the
calon Dewan Komisaris yang pernah memiliki predikat Board of Commissioners who previously failed the fit
tidak lulus dalam uji kemampuan dan kepatutan. and proper test.
4. Persyaratan Kompetensi yang harus dipenuhi, minimal: 4. The minimum competency requirements that must be
fulfilled are:
a. Memiliki pengetahuan di bidang perbankan dan/atau a. Have knowledge in banking and/or finance that is
bidang keuangan yang memadai dan relevan dengan adequate and relevant to the position;
jabatannya;
b. Memiliki pengalaman dan keahlian di bidang perbankan b. Have experience and expertise in banking and/or
dan/atau bidang keuangan; finance;
c. Memiliki pengetahuan mengenai tugas dan tanggung c. Have knowledge about the duties and responsibilities as
jawab serta pemahaman mengenai kegiatan bisnis well as understanding the main business activities and
utama dan risiko utama Bank; main risks of the Bank;
d. Memiliki Sertifikat Manajemen Risiko minimal Jenjang d. Have a Risk Management Certificate of at least Level 6
6 (enam). (six).
5. Persyaratan reputasi keuangan yang harus dipenuhi, antara 5. The financial reputation requirements that must be fulfilled,
lain: among others:
a. Tidak memiliki kredit macet, dan a. Does not have non-performing loans, and
b. Tidak pernah dinyatakan pailit atau menjadi Dewan b. Never been declared bankrupt or served as a member
Komisaris yang dinyatakan bersalah menyebabkan of the Board of Commissioners that was found guilty of
suatu perseroan dinyatakan pailit dalam jangka waktu 5 causing a company to declare bankrupt within the last
(lima) tahun terakhir sebelum dicalonkan. 5 (five) years before being nominated.
3. Tidak pernah menjadi anggota Dewan Komisaris yang 6. Never been a member of the Board of Commissioners who,
selama menjabat: during their tenure:
a. Pernah tidak menyelenggarakan Rapat Umum a. a. Failed to hold the Annual General Meeting of
Pemegang Saham (RUPS) tahunan. Shareholders (AGM).
b. Pertanggungjawabannya sebagai anggota Dewan b. Their accountability as a member of the Board of
Komisaris, pernah tidak diterima oleh RUPS atau pernah Commissioners was not accepted by the GMS or they
tidak memberikan pertanggungjawaban sebagai failed to provide accountability as a member of the
anggota Dewan Komisaris kepada RUPS. Board of Commissioners to the GMS.
c. Pernah menyebabkan perusahaan yang memperoleh c. Caused a company that obtained a license, approval, or
izin, persetujuan, atau pendaftaran dari Otoritas registration from the Financial Services Authority (OJK)
Jasa Keuangan (OJK) tidak memenuhi kewajiban to fail to fulfill its obligation to submit Annual Reports
menyampaikan Laporan Tahunan dan/atau Laporan and/or Financial Statements to the OJK.
Keuangan kepada OJK.
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Pengangkatan dan Pemberhentian Anggota Dewan Komisaris
The Appointment and Dismissal of Members of the Board of Commissioners
Ketentuan Pengangkatan Appointment Requirements
1. Anggota Dewan Komisaris diangkat berdasarkan keputusan 1. Members of the Board of Commissioners are appointed
RUPS dengan memperhatikan rekomendasi komite yang based on the decision of the GMS.
menjalankan fungsi nominasi.
2. Anggota Dewan Komisaris diangkat untuk masa jabatan 2. Members of the Board of Commissioners are appointed for
tertentu dan dapat diangkat kembali saat masa jabatannya a certain term of office and may be reappointed when their
telah berakhir. term of office has ended.
3. 1 (satu) periode masa jabatan anggota Dewan Komisaris 3. The maximum term of office for a member of the Board of
paling lama 3 (tiga) tahun atau sampai dengan penutupan Commissioners is 3 (three) years or until the closing of the
RUPS tahunan pada akhir 1 (satu) periode masa jabatan annual GMS at the end of the said term of office.
dimaksud.
4. Komisaris baru yang merupakan tambahan dari jumlah 4. With the addition of a new Commissioner to the previously
anggota Dewan Komisaris sebelumnya, maka masa jabatan existing number of members in the Board of Commissioners,
Komisaris baru tersebut berakhir dalam waktu yang sama the term of office of the new Commissioner ends at the same
dengan anggota Dewan Komisaris lainnya yang masih time as the other members of the Board of Commissioners
menjabat. who are still in office.
5. Persyaratan atas pengangkatan Komisaris yang merupakan 5. The appointment of a Commissioner who is a Foreign
Tenaga Kerja Asing harus memenuhi ketentuan tentang Worker must comply with the provisions on the Utilization
Pemanfaatan Tenaga Kerja Asing yang dikeluarkan oleh of Foreign Workers issued by the OJK and other related
OJK dan instansi terkait lainnya. agencies.
6. Setiap usulan penggantian dan/atau pengangkatan anggota 6. Every proposal for replacement and/or appointment of
Dewan Komisaris kepada RUPS wajib memperhatikan members of the Board of Commissioners to the GMS must
rekomendasi Komite yang menjalankan fungsi Nominasi. take into account the recommendations of the Committee
which carries out the Nomination function.
7. Anggota komite yang menjalankan fungsi nominasi yang 7. Committee members carrying out nomination functions
memiliki benturan kepentingan wajib mengungkapkan who have a conflict of interest are required to disclose
dalam usulan yang direkomendasikan. Jika anggota Komite it in the recommended proposal. If members of the
Remunerasi dan Nominasi memiliki benturan kepentingan Remuneration and Nomination Committee have a conflict
dengan usulan yang direkomendasikan, maka wajib of interest with the recommended proposal, then they must
diungkapkan dalam usulan tersebut. disclose it in the proposal.
8. Anggota Dewan Komisaris harus memenuhi persyaratan 8. Members of the Board of Commissioners must meet the
telah lulus Penilaian Kemampuan dan Kepatutan sesuai requirements of having passed the Fit and Proper Test in
dengan ketentuan OJK. accordance with OJK regulations.
9. Dewan Komisaris yang berasal dari Direksi atau Pejabat 9. Board of Commissioners who come from the Bank’s Board
Eksekutif Bank atau pihak-pihak yang mempunyai hubungan of Directors or Executive Officers or parties that have a
dengan Bank, yang dapat mempengaruhi kemampuannya relationship with the Bank that may affect their ability to act
untuk bertindak independen, wajib menjalani masa tunggu independently, must undergo a cooling-off period of 1 (one)
(cooling off) selama 1 (satu) tahun. year.
10. Honorarium dan/atau tunjangan Dewan Komisaris 10. The honorarium and/or allowances of the Board of
ditentukan oleh RUPS. Commissioners are determined by the GMS.
Ketentuan Pemberhentian Dismissal Requirements
1. Setiap pemberhentian dan/atau penggantian anggota 1. Every dismissal and/or replacement of members of the
Dewan Komisaris kepada RUPS wajib memperhatikan Board of Commissioners at the GMS must take into account
rekomendasi komite yang menjalankan fungsi nominasi the recommendations of the committee which carries out
dan mengedepankan kepentingan utama dari Bank. the nomination function and prioritizes the main interests of
the Bank.
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2. Pemberhentian atau penggantian anggota Dewan 2. Dismissal or replacement of a member of the Board of
Komisaris sebelum periode masa jabatannya berakhir wajib Commissioners before the end of their term of office must
memperhatikan paling sedikit: take into account at least:
a. anggota Dewan Komisaris dinilai tidak mampu a. members of the Board of Commissioners are deemed
melaksanakan tugas dan tanggung jawab dalam unable to carry out their duties and responsibilities in
pengelolaan dan pelaksanaan strategi Bank yang sehat; the management and implementation of sound Bank
strategies;
b. pemberhentian atau penggantian anggota Dewan b. dismissal or replacement of members of the Board
Komisaris tidak didasarkan atas penilaian subjektif dari of Commissioners is not based on the subjective
pemegang saham, namun didasarkan dari penilaian assessment of shareholders, but is based on an
yang objektif terkait pengelolaan Bank; objective assessment regarding the management of the
Bank;
c. pemberhentian atau penggantian anggota Dewan c. the dismissal or replacement of members of the Board of
Komisaris telah melalui perencanaan dan mekanisme Commissioners has gone through applicable planning
yang berlaku, yang paling sedikit memperhatikan and mechanisms, which at least takes into account
penilaian dari komite yang menjalankan fungsi nominasi the assessment of the committee that carries out the
dan telah diagendakan dalam RUPS; nomination function and has been on the agenda at the
GMS;
d. pemberhentian atau penggantian anggota Dewan d. dismissal or replacement of members of the Board
Komisaris tidak mengakibatkan terjadinya permasalahan of Commissioners does not result in problems in the
dalam pengorganisasian dan kegiatan usaha Bank; organization and business activities of the Bank;
e. pelaksanaan pemberhentian atau penggantian anggota e. The implementation of the dismissal or replacement
Dewan Komisaris mengedepankan pola komunikasi of members of the Board of Commissioners prioritizes
yang baik dari berbagai pihak terkait; dan good communication patterns from various related
parties; and
f. dilakukan dengan mengedepankan penerapan Tata f. carried out by prioritizing the implementation of Good
Kelola yang Baik pada Bank dan aspek kehati-hatian. Governance in the Bank and prudential aspects.
3. Anggota Dewan Komisaris dapat mengundurkan diri dari 3. Members of the Board of Commissioners may resign from
jabatannya sebelum masa jabatannya berakhir. their positions before their term of office ends.
4. Masa jabatan anggota Dewan Komisaris berakhir dengan 4. The term of office of a member of the Board of
sendirinya apabila: Commissioners ends automatically if:
a. Mengundurkan diri dengan pemberitahuan secara a. Resign with written notification;
tertulis;
b. Tidak lagi memenuhi persyaratan perundang-undangan b. No longer meets applicable statutory requirements;
yang berlaku;
c. Meninggal dunia; c. Passes Away;
d. Diberhentikan berdasarkan keputusan RUPS; d. Dismissed based on GMS decision;
e. Dinyatakan pailit atau ditaruh dibawah pengampunan e. Declared bankrupt or placed under amnesty based on
berdasarkan suatu penetapan Pengadilan; a Court decision;
f. Terbukti terlibat dalam kejahatan keuangan. f. Proven to be involved in financial crimes.
5. Komisaris berhak mengundurkan diri dari jabatannya 5. The Commissioner has the right to resign from his position
dengan memberitahukan secara tertulis kepada Bank by notifying the Bank in writing no later than 90 (ninety)
selambat-lambatnya 90 (sembilan puluh) hari sebelum days before the date of his resignation.
tanggal pengunduran dirinya.
6. Bank wajib menyelenggarakan RUPS untuk memutuskan 6. The Bank is required to hold a GMS to decide on the
permohonan pengunduran diri Komisaris dimaksud paling Commissioner’s resignation request no later than 90
lambat 90 (sembilan puluh) hari setelah diterimanya surat (ninety) days after receipt of the resignation letter.
pengunduran diri tersebut.
7. Apabila Komisaris mengundurkan diri sehingga 7. If the Commissioner resigns, resulting in the number
mengakibatkan jumlah anggota Dewan Komisaris menjadi of members of the Board of Commissioners becoming
kurang dari 3 (tiga) orang, maka pengunduran diri tersebut less than 3 (three) people, then the resignation is valid if
sah apabila telah ditetapkan dalam RUPS dan telah diangkat it has been determined at the GMS and new members
anggota Dewan Komisaris yang baru sehingga memenuhi of the Board of Commissioners have been appointed so
persyaratan minimal jumlah anggota Dewan Komisaris. that it meets the minimum requirements for the number of
members of the Board of Commissioners.
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8. RUPS dapat mengangkat orang lain untuk mengisi jabatan 8. The GMS may appoint another person to fill the position
seorang Komisaris yang diberhentikan dari jabatannya atau of a Commissioner who is dismissed from office or to fill
untuk mengisi suatu lowongan. Masa jabatan seorang yang a vacancy. The term of office of a person appointed to
diangkat untuk menggantikan anggota Dewan Komisaris replace a member of the Board of Commissioners who has
yang berhenti atau mengisi lowongan adalah selama sisa resigned or filled a vacancy is for the remaining term of
jangka waktu masa jabatan anggota Dewan Komisaris yang office of the member of the Board of Commissioners who
diberhentikan atau digantikan tersebut. has been dismissed or replaced.
9. Otoritas Jasa Keuangan berwenang melakukan evaluasi 9. The Financial Services Authority has the authority to
terhadap keputusan pemberhentian atau penggantian evaluate decisions to dismiss or replace members of the
anggota Dewan Komisaris yang dilakukan sebelum periode Board of Commissioners made before the term of office of
masa jabatan anggota Dewan Komisaris berakhir. members of the Board of Commissioners ends.
10. Bank wajib melakukan keterbukaan informasi kepada 10. Banks are required to disclose information to the public and
masyarakat dan menyampaikan kepada OJK paling lambat submit it to the OJK no later than 2 (two) working days after:
2 (dua) hari kerja setelah:
a. Diterimanya permohonan pengunduran diri anggota a. Acceptance of resignation requests from members of
Dewan Komisaris. the Board of Commissioners.
b. Dilakukan penyelenggaraan RUPS. b. A GMS was held.
Komposisi Dewan Komisaris Composition of the Board of Commissioners
1. Dewan Komisaris terdiri dari sedikitnya 3 (tiga) anggota dan 1. The Board of Commissioners consists of at least 3 (three)
paling banyak sama dengan jumlah anggota Direksi. members and a maximum of the same number of members
as the Board of Directors.
2. Dewan Komisaris dipimpin oleh Komisaris Utama atau 2. The Board of Commissioners is led by a President
Presiden Komisaris. Commissioner.
3. Dewan Komisaris terdiri dari Komisaris dan Komisaris 3. The Board of Commissioners consists of Commissioners and
Independen. Paling kurang 50% (lima puluh persen) Independent Commissioners. At least 50% (fifty percent)
dari jumlah anggota Dewan Komisaris adalah Komisaris of the total members of the Board of Commissioners are
Independen. Independent Commissioners.
4. Paling kurang 1 (satu) anggota Komisaris wajib berdomisili 4. At least 1 (one) Commissioner must reside in Indonesia.
di Indonesia.
Masa Jabatan Dewan Komisaris
Term of Office of the Board of Commissioners
Berdasarkan Anggaran Dasar Pasal 20 ayat 6, Dewan Komisaris Based on Article 20 paragraph 6 of the Articles of Association,
dapat diangkat oleh RUPS untuk jangka waktu terhitung the Board of Commissioners is appointed by the GMS for a
sejak pengangkatannya sampai penutupan RUPS tahunan period starting from their appointment until the closing of the
ketiga berikutnya dengan tidak mengurangi hak RUPS untuk next third annual GMS without prejudice to the GMS’s right to
memberhentikan sewaktu-waktu. dismiss them at any time.
Susunan dan Dasar Pengangkatan Dewan Komisaris Tahun 2025
Composition and Basis of Appointment of the Board of Commissioners in 2025
Selama tahun 2025, susunan dan komposisi Dewan Komisaris Throughout 2025, structure and composition of the Board of
tidak mengalami perubahan. Adapun komposisi Dewan Commissioner did not experience any changes. As of December
Komisaris Allo Bank per 31 Desember 2025 adalah sebagai 31, 2025, the composition of the Board of Commissioners of
berikut: Allo Bank is as follows:
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Nama Jabatan Dasar Pengangkatan Masa Jabatan Periode
Name Position Basis of Appointment Term of Office Jabatan Period
Aviliani Komisaris Utama Independen RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Independent President Commissioner Annual GMS May 31, 2024 2024 - 2027 Annual GMS Second
Rosmaya Komisaris Independen RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Independent Commissioner Annual GMS May 31, 2024 2024 - 2027 Annual GMS Second
Ali Gunawan Komisaris RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Commissioner Annual GMS May 31, 2024 2024 - 2027 Annual GMS Second
Profil masing-masing anggota Dewan Komisaris Allo Bank A brief profile of each member of the Board of Commissioners
dapat dilihat pada Bab Profil Perusahaan dalam Laporan can be seen in the Board of Commissioners Profile section, in
Tahunan ini. the Company Profile chapter of this Annual Report.
Penilaian Kelayakan dan Kepatutan Dewan Komisaris
Fit and Proper Assessment of the Board of Commissioner
Bank memastikan bahwa seluruh anggota Dewan Komisaris The Bank ensures that all members of the Board of
telah dinyatakan lulus dalam uji kemampuan dan kepatutan Commissioners have passed the fit and proper test and
(fit and proper test), serta memperoleh persetujuan dari OJK obtained approval from the Financial Services Authority (OJK)
sebelum menjalankan tugas dan fungsi sesuai jabatannya. before carrying out their duties and functions. This policy is
Kebijakan ini juga sesuai sebagaimana diatur dalam Peraturan also in accordance with OJK Regulation No. 27/POJK.03/2016
OJK No. 27/POJK.03/2016 tentang Uji Kemampuan dan concerning the Fit and Proper Test for Key Parties in Financial
Kepatutan (Fit and Proper Test) bagi Pihak Utama Lembaga Services Institutions. Detailed information regarding the
Jasa Keuangan. Adapun rincian informasi terkait status uji fit and proper test status of each member of the Board of
kemampuan dan kepatutan masing-masing anggota Dewan Commissioners can be seen below:
Komisaris dapat dilihat sebagai berikut:
Nama Jabatan Status Persetujuan OJK Terkait Uji Kemampuan dan Kepatutan
Name Position Status OJK approval Regarding Fit and Proper Test
Aviliani Komisaris Utama Lulus Keputusan Deputi Komisioner Pengawas Perbankan I Otoritas Jasa Keuangan No. Kep-24/
Independen Passed PB.1/2022 tanggal 9 Juni 2022 tentang Hasil Penilaian Kemampuan dan Kepatutan Ibu
Independent Aviliani selaku Calon Komisaris Utama Independen PT Allo Bank Indonesia Tbk.
President Decision of the Deputy Commissioner for Banking Supervision I of the Financial Services
Commissioner Authority No. Kep-24/PB.1/2022 dated June 9, 2022 regarding the Assessment Results of the
Fit and Proper Test of Ms. Aviliani as Candidate for Independent President Commissioner of
PT Allo Bank Indonesia Tbk.
Rosmaya Komisaris Lulus Keputusan Deputi Komisioner Pengawas Perbankan I Otoritas Jasa Keuangan No. Kep-41/
Independen Passed PB.1/2022 tanggal 16 Agustus 2022 tentang Hasil Penilaian Kemampuan dan Kepatutan Ibu
Independent Rosmaya selaku Calon Komisaris Independen PT Allo Bank Indonesia Tbk.
Commissioner The decision of Deputy Commissioner for Banking Supervision I of the Financial Services
Authority No. Kep-41/PB.1/2022 dated August 16, 2022 regarding the Assessment Results of
the Fit and Proper Test of Ms. Rosmaya as a Candidate for Independent Commissioner of PT
Allo Bank Indonesia Tbk.
Ali Gunawan Komisaris Lulus Keputusan Deputi Komisioner Pengawas Perbankan I Otoritas Jasa Keuangan No. KEP-49/
Commissioner Passed PB.1/2021 Tanggal 13 Juli 2021 tentang Hasil Penilaian Kemampuan dan Kepatutan Bapak Ali
Gunawan selaku Anggota Dewan Komisaris PT Allo Bank Indonesia Tbk.
The decision of Deputy Commissioner for Banking Supervision I of the Financial Services
Authority No. KEP-49/PB.1/2021 dated July 13, 2021 regarding the Assessment Results of the
Fit and Proper Test of Mr. Ali Gunawan as a Member of the Board of Commissioners of PT
Allo Bank Indonesia Tbk.
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Pedoman Kerja Dewan Komisaris
Work Guidelines of Board of Commissioners
Dewan Komisaris melaksanakan fungsi pengawasan atas The Board of Commissioners carries out its supervisory function
pengelolaan Bank dengan mengacu kepada BOC Charter over the management of the Bank by referring to the BOC
yang berfungsi sebagai panduan dalam memahami peraturan- Charter, which serves as a guide for understanding regulations
peraturan terkait tata kerja Dewan Komisaris. BOC Charter related to the work procedures of the Board of Commissioners.
disusun berdasarkan prinsip-prinsip hukum korporasi, ketentuan The BOC Charter is prepared based on the principles of
Anggaran Dasar, peraturan dan ketentuan perundang- corporate law, the provisions of the Articles of Association,
undangan yang berlaku, arahan Pemegang Saham, serta applicable laws and regulations, shareholder directives, and
praktik-praktik terbaik (best practices) GCG. GCG best practices.
BOC Charter ini diharapkan dapat mempermudah Dewan The BOC Charter is expected to help the Board of Commissioners
Komisaris memahami peraturan-peraturan yang terkait understand the regulations related to the work procedures of
dengan tata kerja Dewan Komisaris, menghilangkan praktik the Board of Commissioners, eliminate the practice of making
pengambilan keputusan berdasarkan kebiasaan (yang decisions based on habits (which are not written) and clarify the
tidak tertulis) serta memperjelas tingkat akuntabilitas dalam level of accountability in decision making. Aspects regulated in
pengambilan keputusan. Aspek yang diatur dalam BOC the BOC Charter include:
Charter meliputi:
1. Persyaratan Anggota Dewan Komisaris; 1. Requirements for Members of the Board of Commissioners;
2. Persyaratan Komisaris Independen; 2. Requirements for Independent Commissioners;
3. Pengangkatan Anggota Dewan Komisaris; 3. Appointment of Members of the Board of Commissioners;
4. Pemberhentian Anggota Dewan Komisaris; 4. Dismissal of Members of the Board of Commissioners;
5. Komposisi Dewan Komisaris; 5. Composition of the Board of Commissioners;
6. Rangkap Jabatan Anggota Dewan Komisaris; 6. Concurrent Position as Member of the Board of
Commissioners;
7. Transparansi, Independensi, dan Etika Jabatan Dewan 7. Transparency, Independence and Ethics of the Board of
Komisaris; Commissioners;
8. Tugas, Tanggung Jawab dan Wewenang Dewan Komisaris; 8. Duties, Responsibilities and Authorities of the Board of
Commissioners;
9. Kehadiran dan Waktu Kerja Dewan Komisaris; 9. Attendance and working hours of the Board of
Commissioners;
10. Tata Tertib Rapat Dewan Komisaris; 10. Rules and Regulations for Board of Commissioners
Meetings;
11. Penilaian Kinerja Dewan Komisaris; 11. Performance Assessment of the Board of Commissioners;
12. Komite Pendukung Tugas Dewan Komisaris; dan 12. Duties Supporting Committee of the Board of
Commissioners; and
13. Pelaporan. 13. Reporting.
Tugas, Tanggung Jawab, dan Wewenang Dewan Komisaris
Duties, Responsibilities and Authorities of the Board of Commissioners
1. Tugas dan tanggung jawab Dewan Komisaris: 1. Duties and responsibilities of the Board of Commissioners:
a. Mengarahkan, memantau dan mengevaluasi kebijakan a. Direct, monitor, and evaluate the Bank’s strategic
strategis Bank agar sesuai dengan tujuan Bank dengan policies to ensure alignment with the Bank’s objectives
memperhatikan ketentuan dan peraturan yang berlaku while adhering to the rules and regulations applicable
pada industri perbankan. to the banking industry.
b. Memastikan Direksi telah melaksanakan prinsip kehati- b. Ensure that the Board of Directors has implemented the
hatian dalam kegiatan usaha Bank. principle of prudence in the Bank’s business activities.
c. Memastikan terselenggaranya pelaksanaan Prinsip Tata c. Ensure the implementation of Good Governance
Kelola Perusahaan yang Baik dalam setiap kegiatan Principles in every Bank business activity at all
usaha Bank pada seluruh tingkatan/jenjang organisasi. organizational levels.
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d. Memastikan penerapan manajemen risiko telah d. Ensure that the implementation of risk management is
memadai sesuai dengan kebijakan manajemen risiko adequate in accordance with risk management policies
dan strategi manajemen risiko. and risk management strategies.
e. Memastikan bahwa Direksi telah menindaklanjuti e. Ensure that the Board of Directors has followed up
temuan audit dan rekomendasi dari SKAI, auditor on audit findings and recommendations from SKAI,
eksternal, hasil pemeriksaan OJK, Bank Indonesia dan/ external auditors, OJK, Bank Indonesia audit results
atau hasil pengawasan otoritas lainnya. and/or supervision results from other authorities.
f. Melakukan evaluasi pelaksanaan fungsi kepatuhan Bank f. Evaluate the implementation of the Bank’s compliance
paling kurang 2 (dua) kali dalam satu tahun dengan function at least 2 (two) times a year by providing
memberikan saran-saran dalam rangka meningkatkan suggestions in order to improve the quality of the
kualitas pelaksanaan fungsi kepatuhan Bank kepada implementation of the Bank’s compliance function to
Direktur Utama dengan tembusan kepada Direktur the President Director with a copy to the Director in
yang membawahkan fungsi kepatuhan. charge of the compliance function.
g. Menumbuhkan budaya kepatuhan dan budaya anti g. Fostering a culture of compliance and anti fraud culture
fraud pada seluruh jajaran organisasi. at all levels of the organization.
2. Dewan Komisaris tidak diperkenankan terlibat dalam 2. The Board of Commissioners is not permitted to be involved
pengambilan keputusan kegiatan operasional Bank, kecuali in making decisions on the Bank’s operational activities,
untuk penyediaan dana kepada pihak terkait dan hal-hal except for the provision of funds to related parties and
yang diatur dalam Anggaran Dasar Bank atau peraturan matters regulated in the Bank’s Articles of Association or
perundang-undangan yang berlaku. applicable laws and regulations.
3. Wewenang Dewan Komisaris: 3. Authority of the Board of Commissioners:
a. Memeriksa semua pembukuan, surat dan alat bukti a. Examine all books, letters and other evidence.
lainnya.
b. Memeriksa dan mencocokan keadaan uang kas, surat b. Check and verify the condition of cash, securities and
berharga dan lain-lain. others.
c. Mengetahui segala tindakan yang telah dijalankan oleh c. Know all actions that have been carried out by the
Direksi. Board of Directors.
d. Memasuki bangunan dan halaman atau tempat lain d. Enter buildings and grounds or other places used or
yang dipergunakan atau yang dikuasai oleh Bank. controlled by the Bank.
e. Meminta Direksi dan/atau pejabat lainnya untuk e. Ask the Directors and/or other officials to provide
memberikan penjelasan tentang segala hal yang explanations regarding all matters relating to Bank
berhubungan dengan pengelolaan Bank. management.
f. Meminta Direksi dan/atau pejabat lainnya di bawah f. Request the Directors and/or other officials under the
Direksi, dengan sepengetahuan Direksi, untuk Directors, with the knowledge of the Directors, to attend
menghadiri rapat Dewan Komisaris. meetings of the Board of Commissioners.
g. Menghadiri rapat Direksi dan memberikan pandangan g. Attend Board of Directors meetings and provide views
pandangan terhadap hal-hal yang dibicarakan dalam on matters discussed at meetings.
rapat.
h. Memberitahukan kepada OJK atas pelanggaran h. Notify OJK of violations of laws and regulations in the
peraturan perundang-undangan di bidang keuangan financial and banking sector; and/or circumstances
dan perbankan; dan/atau keadaan atau perkiraan or predicted circumstances that could endanger the
keadaan yang dapat membahayakan kelangsungan continuity of the Bank’s business.
usaha Bank.
i. Menetapkan Batasan nilai perbuatan hukum Direksi i. Determine limits on the value of the Board of Directors’
yang memerlukan persetujuan tertulis Dewan Komisaris. legal actions that require written approval from the
Board of Commissioners.
j. Memberikan putusan terhadap usulan perbuatan j. Provide decisions on proposed legal actions by the
hukum Direksi yang memerlukan persetujuan Dewan Board of Directors that require approval from the Board
Komisaris. of Commissioners.
k. Memberikan tanggapan tertulis untuk memberikan k. Provide written responses to provide opinions and
pendapat dan saran kepada RUPS atas usulan suggestions to the GMS regarding proposed legal
perbuatan hukum yang akan dilaksanakan oleh Direksi actions to be implemented by the Board of Directors
yang akan diajukan kepada RUPS untuk mendapat which will be submitted to the GMS for approval.
persetujuan.
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l.
Komisaris melalui rapat Dewan Komisaris, berdasarkan l. The Commissioners, through a meeting of the Board of
suara terbanyak berhak memberhentikan untuk Commissioners, based on the majority vote, have the
sementara seorang atau lebih anggota Direksi dari right to temporarily dismiss one or more members of the
jabatannya apabila anggota Direksi tersebut bertindak Board of Directors from their positions if the members
bertentangan dengan Anggaran Dasar dan/atau of the Board of Directors act contrary to the Articles of
peraturan perundang-undangan yang berlaku. Association and/or applicable laws and regulations. The
Pemberhentian tersebut harus diberitahukan kepada termination must be notified to the person concerned
yang bersangkutan disertai dengan alasannya. along with the reasons.
m. Menunjuk salah seorang Direktur untuk menjalankan m. Appoint one of the Directors to carry out the vacant
pekerjaan Direktur yang lowong dengan memperhatikan Director’s work with due observance of applicable
ketentuan yang berlaku. regulations.
n. Menyelenggarakan RUPS paling lambat 90 (sembilan n. Hold a GMS no later than 90 (ninety) days after the
puluh) hari sesudah pemberhentian sementara temporary dismissal which will decide whether the
tersebut yang akan memutuskan apakah Direksi yang relevant Directors will be permanently dismissed or
bersangkutan akan diberhentikan seterusnya atau returned to their original positions. Directors who were
dikembalikan kepada kedudukannya semula. Direksi temporarily dismissed were given the opportunity to
yang diberhentikan sementara itu diberi kesempatan appear to defend themselves.
untuk hadir guna membela diri.
o. Apabila RUPS tersebut tidak dapat mengambil keputusan o. If the GMS cannot make a decision or is not held
atau tidak diadakan dalam jangka waktu paling lambat within a period of no later than 90 (ninety) days after
90 (sembilan puluh) hari setelah pemberhentian the temporary dismissal, then the temporary dismissal
sementara tersebut, maka pemberhentian sementara becomes null and void and the person concerned has
itu menjadi batal demi hukum dan yang bersangkutan the right to return to his or her original position.
berhak menjabat kembali jabatannya semula.
4. Apabila seluruh anggota Direksi diberhentikan sementara 4. If all members of the Board of Directors are temporarily
dan Bank tidak mempunyai seorangpun anggota Direksi dismissed and the Bank does not have a single member
maka untuk sementara Dewan Komisaris diwajibkan untuk of the Board of Directors, the Board of Commissioners is
mengurus Bank. Dalam hal demikian Dewan Komisaris temporarily required to manage the Bank. In such cases the
berhak untuk memberikan kekuasaan sementara kepada Board of Commissioners has the right to grant temporary
seorang atau lebih di antara mereka atas tanggungan powers to one or more of them at their collective expense.
mereka bersama.
Pembagian Tugas Pengawasan Dewan Komisaris
Division of Supervisory Duties of the Board of Commissioners
Allo Bank berupaya untuk memastikan seluruh tugas dan Allo Bank strives to ensure that all duties and responsibilities
tanggung jawab yang dilakukan oleh Insan Bank berjalan carried out by Bank personnel, including members of the Board
secara baik sesuai dengan kemampuan yang dimiliki, tak of Commissioners, are performed effectively and in accordance
terkecuali bagi anggota Dewan Komisaris. Untuk itu, Dewan with their expertise. To achieve this, the Board of Commissioners
Komisaris melaksanakan fungsi pengawasan sesuai dengan carries out its supervisory function based on the background
latar belakang yang dimiliki oleh masing-masing anggota agar of each member, ensuring optimal supervision of the Bank’s
pengawasan terhadap pengelolaan Bank maupun implementasi management and the implementation of strategic initiatives to
strategi manajemen dapat berjalan secara optimal agar dapat achieve the Bank’s objectives. The division of duties among the
mewujudkan tujuan Bank. Adapun pembidangan tugas masing- members of the Board of Commissioners is as follows:
masing anggota Dewan Komisaris adalah sebagai berikut:
Nama Jabatan Bidang Tugas
Name Position Field of Duty
Aviliani Komisaris Utama Independen 1. Ketua Komite Audit
Independent President Commissioner 2. Ketua Komite Remunerasi dan Nominasi
1. Chairwoman of Audit Committee
2. Chairwoman of the Remuneration and Nomination Committee
Rosmaya Komisaris Independen Ketua Komite Pemantau Risiko
Independent Commissioner Chairwoman of the Risk Oversight Committee
Ali Gunawan Komisaris Anggota Komite Remunerasi dan Nominasi
Commissioner Member of the Remuneration and Nomination Committe
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Independensi Dewan Komisaris
Independence of the Board of Commissioners
1. Mayoritas anggota Dewan Komisaris dilarang saling 1. The majority of the Board of Commissioners members are
memiliki hubungan keluarga sampai dengan derajat kedua prohibited from having family relationships up to the second
dengan sesama anggota Direksi dan/atau dengan anggota degree with other members of the Board of Directors and/
Dewan Komisaris lain. or with other members of the Board of Commissioners.
2. Mantan anggota Direksi atau Pejabat Eksekutif Bank atau 2. Former members of the Board of Directors or Executive
pihak-pihak yang mempunyai hubungan dengan Bank, Officers of the Bank, or parties who have relationships with
yang dapat mempengaruhi kemampuan yang bersangkutan the Bank that can influence their ability to act independently,
untuk bertindak independen, wajib menjalani masa tunggu must undergo a minimum cooling-off period of 1 (one) year
(cooling off) paling singkat 1 (satu) tahun sebelum menjadi before becoming an Independent Commissioner at the
Komisaris Independen pada Bank. Bank.
3. Ketentuan di atas tidak berlaku bagi mantan anggota 3. The above provision does not apply to former members of
Direksi yang membawahi fungsi pengawasan atau Pejabat the Board of Directors who are in charge of supervisory
Eksekutif yang melakukan fungsi pengawasan pada Bank. functions or Executive Officers who conduct supervisory
functions at the Bank.
4. Anggota Dewan Komisaris wajib menandatangani Surat 4. Members of the Board of Commissioners are required
Pernyataan Independensi yang berlaku sesuai dengan to sign a Declaration of Independence letter that applies
periode atau masa jabatan sebagaimana ditetapkan dalam according to the period or term of office as determined in
RUPS. the GMS.
Program Orientasi bagi Anggota Dewan Komisaris Baru
Orientation Program for New Members of Board of Commissioners
Bank telah memiliki kebijakan terkait program pengenalan The Bank is guided by a policy regarding a company induction
perusahaan bagi anggota Dewan Komisaris yang baru diangkat program for newly appointed members of the Board of
apabila terjadi perubahan susunan dan komposisi Dewan Commissioners in the event of changes in the composition of
Komisaris. Kebijakan ini dilaksanakan sebagaimana telah diatur the Board of Commissioners. This policy is implemented as
dalam BOC Charter untuk memberikan pemahaman mengenai stipulated in the BOC Charter to provide an understanding
tugas dan tanggung jawab sebagai anggota Dewan Komisaris of the duties and responsibilities of members of the Board
agar dijalankan sebaik-baiknya. Kegiatan ini juga bertujuan of Commissioners, ensuring they are carried out optimally.
agar anggota Dewan Komisaris dapat memahami latar This activity also aims to provide members of the Board of
belakang dan kegiatan usaha Bank agar dapat mempermudah Commissioners with an understanding of the Bank's background
dan melancarkan pelaksanaan tugas Dewan Komisaris secara and business activities, thereby facilitating and facilitating the
efektif. effective implementation of the Board of Commissioners' duties.
Sepanjang tahun 2025, tidak terdapat perubahan susunan dan Throughout 2025, there were no changes to the composition
komposisi anggota Dewan Komisaris. Dengan demikian, Bank of the Board of Commissioners. Therefore, the Bank did not
tidak melaksanakan program pengenalan bagi anggota Dewan conduct an induction program for new members of the Board
Komisaris baru pada tahun buku. of Commissioners during the fiscal year.
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Peningkatan Kompetensi Dewan Komisaris
Competency Development of Board of Commissioners
Bank senantiasa memfasilitasi seluruh anggota Dewan Komisaris The Bank consistently facilitates all members of the Board
untuk mengembangkan kompetensinya melalui program of Commissioners to develop their competencies through
pelatihan atau sertifikasi lainnya yang dapat mendukung peran training programs or other certifications that support the
maupun fungsi pengawasan pengelolaan perusahaan yang Board of Commissioners' oversight role and function in
dilakukan oleh Dewan Komisaris. Informasi lengkap terkait corporate management. More detailed information regarding
program pengembangan kompetensi yang dilakukan oleh the competency development programs implemented by the
Dewan Komisaris sepanjang tahun 2025 dapat dilihat pada Board of Commissioners throughout 2025 is presented in the
Bab Profil Perusahaan dalam Laporan Tahunan ini. Company Profile chapter of this Annual Report.
Pelaksanaan Tugas Dewan Komisaris Tahun 2025
Implementation of Duties of Board of Commissioners in 2025
Selama tahun 2025, Dewan Komisaris telah melakukan Throughout 2025, the Board of Commissioners supervised,
pengawasan, mengarahkan, memantau, mengevaluasi, dan directed, monitored, evaluated, and advised the Board of
memberikan nasihat kepada Direksi terkait pelaksanaan Directors regarding the implementation of strategic policies.
kebijakan strategis yang dilakukan melalui: The Board's duties throughout the year include:
1. Melakukan pengawasan terhadap kebijakan dan jalannya 1. Overseeing the policies and management of the Board of
pengurusan yang dilakukan oleh Direksi selama tahun 2025, Directors during 2025, including monitoring the adequacy
termasuk pengawasan terhadap kesesuaian pelaksanaan of the Board of Directors' strategy implementation to achieve
strategi Direksi untuk mencapai target Rencana Bisnis the targets of the 2025-2027 Bank Business Plan (RBB) and
Bank (RBB) tahun 2025-2027 dan Rencana Aksi Keuangan the 2025 Sustainable Finance Action Plan (RAKB).
Berkelanjutan (RAKB) tahun 2025.
2. Memantau perkembangan kinerja keuangan Bank, 2. Monitoring the Bank's financial performance, including
termasuk rasio permodalan, likuiditas, kualitas aset, dan capital ratios, liquidity, asset quality, and profitability, and
profitabilitas, serta memberikan nasihat kepada Direksi agar advising the Board of Directors on maintaining capital
menjaga kecukupan modal dan struktur pendanaan yang adequacy and a prudent funding structure in line with the
prudent sejalan dengan profil risiko Bank. Bank's risk profile.
3. Mengevaluasi efektivitas penerapan manajemen risiko atas 3. Evaluating the effectiveness of risk management
risiko kredit, operasional, likuiditas, teknologi informasi, dan implementation for credit, operational, liquidity, information
kepatuhan, serta memperkuat pengendalian internal dan technology, and compliance risks, and strengthening
governance pada area berisiko tinggi. internal control and governance in high-risk areas.
4. Mengawasi pelaksanaan strategi pertumbuhan bisnis, 4. Overseeing the implementation of business growth
termasuk pengembangan produk digital dan kemitraan strategies, including the development of digital products
strategis, serta memberikan masukan agar ekspansi and strategic partnerships, and providing input to ensure
dilakukan secara terukur, berkelanjutan, dan selaras dengan that expansion is carried out in a measured, sustainable
kapasitas permodalan serta manajemen risiko Bank. manner, and in line with the Bank's capital capacity and risk
management.
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5. Secara aktif memantau tindak lanjut atas hasil pemeriksaan 5. Actively monitoring the follow-up to the results of regulatory
regulator, audit internal, dan audit eksternal, serta audits, internal audits, and external audits, and direct the
mengarahkan Direksi untuk menyelesaikan rekomendasi Board of Directors to complete recommendations in a
secara tepat waktu guna meningkatkan kepatuhan dan timely manner to improve compliance and the quality of the
kualitas pengelolaan Bank. Bank's management.
6. Mengevaluasi kecukupan sistem pengendalian internal, 6. Evaluating the adequacy of the internal control system,
kepatuhan terhadap peraturan perundang-undangan, compliance with laws and regulations, and the integrity
serta integritas pelaporan keuangan (Internal Control over of financial reporting (Internal Control over Financial
Financial Reporting), dan memberikan nasihat perbaikan Reporting), and provide recommendations for improvements
atas kelemahan yang teridentifikasi. to identified weaknesses.
7. Mengawasi kebijakan strategis SDM, termasuk perencanaan 7. Overseeing strategic HR policies, including workforce
kebutuhan tenaga kerja, pengisian posisi strategis, planning, filling strategic positions, and competency
dan pengembangan kompetensi, serta memberikan development, and provide recommendations to ensure
rekomendasi agar struktur organisasi mendukung the organizational structure effectively supports the
pencapaian strategi Bank secara efektif. achievement of the Bank's strategy.
8. Mengawasi pelaksanaan kebijakan TI, termasuk penguatan 8. Overseeing the implementation of IT policies, including
sistem, keamanan siber, dan kontinuitas layanan, serta system strengthening, cybersecurity, and service continuity,
memberikan nasihat kepada Direksi untuk memastikan and advise the Board of Directors to ensure the reliability
keandalan infrastruktur TI sejalan dengan karakteristik bank of the IT infrastructure, in line with the characteristics of a
digital dan berfungsi secara optimal. digital bank, and optimally functions.
9. Memberikan nasihat kepada Direksi atas dinamika eksternal, 9. Providing advices to the Board of Directors on external
termasuk kondisi makroekonomi, persaingan industri dynamics, including macroeconomic conditions,
perbankan digital, dan perubahan regulasi, agar kebijakan competition in the digital banking industry, and regulatory
strategis Bank tetap adaptif, prudent, dan berorientasi pada changes, to ensure the Bank's strategic policies remain
keberlanjutan yang positif. adaptive, prudent, and oriented towards positive
sustainability.
Penilaian Kinerja Organ dan Komite Pendukung di bawah Dewan Komisaris
Performance Assessment of Supporting Organs and Committees under Board of Commissioners
Dalam menjalankan tugas dan fungsinya, Dewan Komisaris turut In exercising its duties and functions, the Board of
dibantu oleh sejumlah organ pendukung, antara lain Komite Commissioners is assisted by several supporting organs,
Audit, Komite Pemantau Risiko, serta Komite Remunerasi dan including the Audit Committee, the Risk Monitoring Committee,
Nominasi. Dewan Komisaris secara berkala melakukan evaluasi and the Remuneration and Nomination Committee. The Board of
atas kinerja masing-masing komite berdasarkan kriteria yang Commissioners periodically evaluates the performance of each
telah ditetapkan oleh Komite Remunerasi dan Nominasi. committee based on criteria established by the Remuneration
Berdasarkan evaluasi yang telah dilakukan, Dewan Komisaris and Nomination Committee. Based on these evaluations, the
menilai bahwa seluruh Komite di bawah Dewan Komisaris telah Board of Commissioners assesses that all committees under
menjalankan tugas dan tanggung jawabnya secara baik di the Board of Commissioners have performed their duties and
sepanjang tahun 2025. responsibilities effectively throughout 2025.
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Komisaris
Independen
● Independent Commissioner
Komisaris Independen merupakan As a member of the Board of
anggota Dewan Komisaris yang Commissioners, an Independent
tidak memiliki hubungan keuangan, Commissioner has no financial,
kepengurusan, kepemilikan saham management, shareholding, or family
dan/atau hubungan keluarga dengan relationships with any member of the
anggota Dewan Komisaris, anggota Board of Commissioners, member of the
Direksi dan/atau pemegang saham Board of Directors, and/or controlling
pengendali atau dengan Bank shareholder, or with the Bank that might
yang mungkin menghalangi atau hinder or impede their ability to act
menghambat posisinya untuk bertindak independently in accordance with GCG
independen sesuai dengan prinsip- principles. Independent Commissioners
prinsip GCG. Komisaris Independen are appointed by the GMS and have no
diangkat oleh RUPS dan tidak memiliki affiliations with any interested parties,
hubungan afiliasi dengan pihak yang particularly the majority shareholder,
berkepentingan, terutama pemegang member of the Board of Directors, and/or
saham mayoritas, anggota Direksi, dan/ member of the Board of Commissioners.
atau anggota Dewan Komisaris.
Di tahun 2025, Bank memiliki 2 (dua) In 2025, the Bank had two Independent
orang Komisaris Independen dari total 3 Commissioners out of a total of
(tiga) orang anggota Dewan Komisaris. three members of the Board of
Komposisi ini telah sesuai dengan Commissioners. This composition
ketentuan Pasal 20 ayat (3) POJK complies with Article 20 paragraph (3)
33/2014 yang mengatur syarat minimal of POJK 33/2014, which stipulates the
Komisaris Independen yang berjumlah minimum requirement for Independent
sekurang-kurangnya 30% dari anggota Commissioners to constitute at least
Dewan Komisaris perusahaan. 30% of the company's Board of
Commissioners.
Kriteria Penentuan Kriteria dan persyaratan umum The general criteria and requirements
yang wajib dipenuhi oleh Komisaris that must be met by Independent
Komisaris Independen
Independen, meliputi: Commissioners include:
Criteria for Determining 1. Penunjukan Komisaris sebagai 1. The appointment of a Commissioner
Independent Commission Komisaris Independen harus as an Independent Commissioner
mendapatkan persetujuan OJK. must obtain approval from the OJK.
2. Bukan merupakan orang 2. They are not a person who works
yang bekerja atau mempunyai or has the responsibility to plan,
wewenang dan tanggung jawab lead, control or supervise the Bank’s
untuk merencanakan, memimpin, activities within the last 6 (six)
mengendalikan atau mengawasi months, except for reappointment
kegiatan Bank dalam waktu 6 as an Independent Commissioner in
(enam) bulan terakhir, kecuali untuk the following period.
pengangkatan kembali sebagai
Komisaris Independen pada periode
berikutnya.
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3. Tidak mempunyai saham baik langsung maupun tidak 3. They do not own shares, either directly or indirectly, in the
langsung pada Bank. Bank.
4. Tidak mempunyai hubungan afiliasi dengan Bank, anggota 4. They do not have affiliation with the Bank, members of
Dewan Komisaris, anggota Direksi atau Pemegang Saham the Board of Commissioners, members of the Board of
Utama Bank. Directors or the Bank’s Controlling Shareholders.
5. Tidak mempunyai hubungan usaha baik langsung maupun 5. They do not have any direct or indirect business relationships
tidak langsung yang berkaitan dengan kegiatan Bank. related to Bank activities.
6. Tidak memiliki hubungan keluarga dengan Dewan 6. They do not have any family relationship with the Board
Komisaris, Direksi dan Pemegang Saham Pengendali Bank. of Commissioners, the Board of Directors and Controlling
Shareholders of the Bank.
7. Komisaris Independen yang telah menjabat selama 2 (dua) 7. Independent Commissioners who have served for 2 (two)
periode masa jabatan dapat diangkat kembali pada periode terms of office may be reappointed in the next period as
selanjutnya sepanjang: long as:
a. Rapat Dewan Komisaris menilai bahwa Komisaris a. The Board of Commissioners assesses that Independent
Independen tetap dapat bertindak independen; Commissioners can still act independently;
b. Komisaris Independen tersebut menyatakan dirinya b. The Independent Commissioner stated that he
tetap independen dalam RUPS; remained independent at the GMS;
c. Menandatangani Surat Pernyataan Independen dan c. Sign an Independent Statement Letter and this is
hal ini diungkapkan dalam Laporan Pelaksanaan Tata disclosed in the Governance Implementation Report.
Kelola.
8. Dalam hal Komisaris Independen menjabat pada Komite 8. In the event that an Independent Commissioner serves
Audit, Komisaris Independen yang bersangkutan hanya on the Audit Committee, the Independent Commissioner
dapat diangkat kembali pada Komite Audit untuk 1 (satu) concerned can only be reappointed on the Audit
periode masa jabatan Komite Audit berikutnya. Committee for 1 (one) subsequent term of office on the
Audit Committee.
9. Komisaris Non Independen dapat beralih menjadi 9. Non-Independent Commissioners may transition to
Komisaris Independen setelah memenuhi persyaratan become Independent Commissioners after fulfilling the
sebagai Komisaris Independen. Komisaris Non Independen requirements as Independent Commissioners. Non-
yang akan beralih menjadi Komisaris Independen wajib Independent Commissioners who will transition to become
menjalani masa tunggu (cooling off) paling singkat 6 (enam) Independent Commissioners are required to undergo a
bulan. Peralihan dari Komisaris Non Independen menjadi cooling off period of at least 6 (six) months. The transition
Komisaris Independen wajib memperoleh persetujuan OJK. from Non-Independent Commissioner to Independent
Commissioner must obtain OJK approval.
10. Mantan anggota Direksi atau Pejabat Eksekutif Bank atau 10. Former members of the Board of Directors or Executive
pihak-pihak yang mempunyai hubungan dengan Bank, Officers of the Bank or parties who have a relationship
yang dapat mempengaruhi kemampuan yang bersangkutan with the Bank, who can influence the ability of the person
untuk bertindak independen wajib menjalani masa tunggu concerned to act independently must undergo a cooling
(cooling off) paling singkat 1 (satu) tahun sebelum menjadi off period of at least 1 (one) year before becoming an
Komisaris Independen pada Bank yang bersangkutan. Independent Commissioner at the Bank in question.
concerned.
11. Memiliki Sertifikasi Manajemen Risiko minimal Jenjang 6. 11. They must have a minimum Risk Management Certification
Level 6.
Komposisi dan Jumlah Komisaris Independen
Composition and Number of Independent Commissioners
Per 31 Desember 2025, jumlah Komisaris Independen Allo As of December 31, 2025, Allo Bank had two Independent
Bank terdiri dari 2 (dua) orang dari jumlah keseluruhan anggota Commissioners out of a total of three members of the Board of
Dewan Komisaris yang sebanyak 3 (tiga) orang. Adapun Commissioners. The Bank's Independent Commissioners are:
Komisaris Independen Bank terdiri dari:
1. Ibu Aviliani yang diangkat berdasarkan Surat Keputusan 1. Ms. Aviliani, appointed based on the Decree of the Deputy
Deputi Komisioner Pengawas Perbankan I, OJK No. KEP- Commissioner for Banking Supervision I, OJK No. KEP-24/
24/PB.1/2022 tanggal 09 Juni 2022. PB.1/2022, dated June 9, 2022.
2. Ibu Rosmaya yang diangkat berdasarkan Surat Keputusan 2. Ms. Rosmaya, appointed based on the Decree of the Deputy
Deputi Komisioner Pengawas Perbankan I, OJK No. KEP- Commissioner for Banking Supervision I, OJK No. KEP-41/
41/PB.1/2022 tanggal 16 Agustus 2022. PB.1/2022, dated August 16, 2022.
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Pernyataan Independensi
Independence Statement
Seluruh Komisaris Independen Allo Bank telah membuat Surat All Independent Commissioners of Allo Bank have issued
Pernyataan Independensi yang berlaku sesuai dengan periode a Statement of Independence, which is valid for the term of
atau masa jabatan sebagaimana ditetapkan dalam RUPS. Di office as stipulated in the GMS. Furthermore, all Independent
samping itu, seluruh Komisaris Independen juga berkewajiban Commissioners are required to report any changes in their
untuk melapor apabila terjadi perubahan status yang status that affect their independence and to ensure that these
mempengaruhi independensinya serta memastikan praktik practices are implemented in accordance with GCG principles.
ini telah dilaksanakan sesuai dengan prinsip GCG. Seluruh All members of the Board of Commissioners have also issued a
anggota Dewan Komisaris juga membuat Surat Pernyataan Statement of Non-Use of the Bank for personal gain, which is
Tidak Memanfaatkan Bank untuk keuntungan pribadi yang valid for the term of office as stipulated in the GMS.
berlaku sesuai dengan periode atau masa jabatan sebagaimana
ditetapkan dalam RUPS.
Surat Pernyataan Independensi Komisaris Independen
Independence Statement Letter of Independent Commissioner
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Direksi
● Board of Directors
Direksi adalah organ utama yang secara The Board of Directors is the Bank's
kolektif berwenang dan bertanggung primary organ collectively authorized
jawab penuh atas pengurusan and fully responsible for managing the
perusahaan sesuai dengan maksud dan company. This provision aligns with their
tujuan untuk kepentingan Bank. Direksi purposes and objectives to benefit the
juga bertanggung jawab mewakili Bank, Bank. The Board of Directors is also
baik di dalam maupun di luar pengadilan responsible for representing the Bank
sesuai dengan ketentuan Anggaran both inside and outside the courts,
Dasar dan ketentuan peraturan in accordance with the provisions of
perundangan-undangan. Direksi juga the Articles of Association and laws
memiliki wewenang untuk mengatur and regulations. The Board also has
jalannya Bank, mengambil tindakan dan the authority to regulate the Bank's
kebijakan yang dianggap perlu untuk operations and take actions and policies
memastikan kelancaran operasional deemed necessary to ensure the smooth
Bank dengan memperhatikan aspek operation of the Bank, while taking
efisiensi dan efektivitas. into account aspects of efficiency and
effectiveness.
Setiap anggota Direksi juga wajib Each member of the Board of Directors
menjalakan fungsi pengurusan is also required to carry out their
perusahaan dengan mengedepankan management functions by prioritizing
prinsip-prinsip profesionalisme, efisiensi, the principles of professionalism,
transparansi, kemandirian, akuntabilitas, efficiency, transparency, independence,
pertanggungjawaban serta kewajaran accountability, responsibility, and
sesuai dengan prinsip tata kelola yang fairness, in accordance with the Bank's
diadopsi oleh Bank. Setiap anggota corporate governance principles. Each
Direksi Bank juga wajib melaksanakan member of the Bank's Board of Directors
tugas dan tanggung jawabnya dengan is also required to carry out their duties
itikad baik, penuh tanggung jawab, and responsibilities in good faith, with
dan kehati-hatian, sesuai dengan full responsibility, and with prudence,
perundang-undangan yang berlaku. in accordance with applicable laws and
regulations.
Persyaratan 1. Setiap anggota Direksi harus 1. Each member of the Board
memenuhi persyaratan penilaian of Directors must meet the
Anggota Direksi
kemampuan dan kepatutan sesuai requirements for assessing their
Requirements for Members Peraturan OJK mengenai Penilaian ability and suitability according
of the Board of Directors Kemampuan dan Kepatutan bagi to the OJK Regulation regarding
Dewan Komisaris dan Direksi, yaitu the Assessment of Capability
persyaratan integritas, kompetensi and Suitability for the Board of
dan reputasi keuangan. Persyaratan Commissioners and Board of
tersebut harus dipenuhi anggota Directors, including requirements for
Direksi pada saat diangkat dan integrity, competence, and financial
selama menjabat. reputation. These requirements
must be met by the member of the
Board of Directors at the time of
appointment and throughout their
tenure.
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2. Persyaratan integritas yang harus dipenuhi, antara lain: 2. The integrity requirements that must be met include:
a. Memiliki akhlak dan moral yang baik, paling sedikit a. Have good ethics and morals, demonstrated at least by
ditunjukan dengan sikap mematuhi ketentuan yang adhering to applicable regulations, including not having
berlaku, termasuk tidak pernah dihukum karena terbukti been convicted of a criminal offense within a certain
melakukan tindak pidana dalam jangka waktu tertentu period before being nominated.
sebelum dicalonkan.
b. Cakap melakukan perbuatan hukum. b. Capable of performing legal actions.
c. Memiliki komitmen untuk mematuhi peraturan c. Have a commitment to complying with applicable laws
perundang-undangan dan mendukung kebijakan and regulations and supporting the policies of the
regulator yang berlaku. relevant regulators.
d. Memiliki komitmen terhadap pengembangan d. Have a commitment to the development of a healthy
operasional Bank yang sehat. Bank operation.
e. Tidak sedang dalam proses hukum dan/atau proses uji e. Not involved in legal proceedings and/or capability and
kemampuan dan kepatutan pada suatu Bank. suitability assessments at another Bank.
f. Tidak termasuk sebagai pihak yang dilarang untuk f. Not included in the list of prohibited individuals from
menjadi Direksi. serving as a Director.
g. Memiliki komitmen untuk tidak melakukan dan/atau g. Have a commitment to not engage in or repeat certain
mengulangi perbuatan dan/atau tindakan tertentu, actions or behaviors for candidates for the Board of
bagi calon Direksi yang pernah memiliki predikat tidak Directors who have previously been designated as
lulus dalam uji kemampuan dan kepatutan dan telah failing the fit and proper test and have undergone a
menjalani masa sanksi. period of sanctions.
3. Persyaratan kompetensi yang harus dipenuhi, antara lain: 3. The competence requirements that must be met include:
a. Memiliki pengetahuan di bidang perbankan dan/atau a. Have adequate knowledge in the field of banking and/
bidang keuangan yang memadai dan relevan dengan or finance that is relevant to their position.
jabatannya.
b. Memiliki pengalaman dan keahlian di bidang perbankan b. Have experience and expertise in the field of banking
dan/atau bidang keuangan. and/or finance.
c. Memiliki kemampuan untuk melakukan pengelolaan c. Have the ability to conduct strategic management in
strategis dalam rangka pengembangan Bank yang order to develop a healthy Bank.
sehat.
d. Mayoritas anggota Direksi wajib memiliki pengalaman d. The majority of the members of the Board of Directors
paling sedikit 5 (lima) tahun di bidang operasional Bank must have at least 5 (five) years of experience in the
dan paling rendah sebagai Pejabat Eksekutif bank. operational aspects of a bank and at least as an
Executive Officer of a bank.
e. Memiliki Sertifikasi Manajemen Risiko level 5 atau setara e. Have Risk Management Certification up to level 5, or
jenjang 7. equivalent to level 7
4. Persyaratan reputasi keuangan yang harus dipenuhi, antara 4. The financial reputation requirements that must be met
lain: include:
a. Tidak memiliki kredit macet, dan a. Don’t have non-performing loans, and
b. Tidak pernah dinyatakan pailit atau menjadi Direksi yang b. Have not been declared bankrupt or become a Director
dinyatakan bersalah menyebabkan suatu perseroan who has been found guilty of causing a company to be
dinyatakan pailit, dalam jangka waktu 5 (lima) tahun declared bankrupt, within the last 5 (five) years prior to
terakhir sebelum dicalonkan. the nomination.
5. Tidak pernah menjadi anggota Dewan Komisaris dan/atau 5. Have never been a member of the Board of Commissioners
Direksi yang selama menjabat: and/or Board of Directors who, during their tenure:
a. Pernah dihukum karena melakukan tindak pidana yang a. Have been convicted of a criminal offense that has
merugikan keuangan negara dan/atau yang berkaitan harmed the state’s finances and/or is related to the
dengan sektor keuangan. financial sector.
b. Pernah tidak menyelenggarakan RUPS tahunan. b. Have failed to hold an annual GMS.
c. Pertanggungjawabannya sebagai anggota Direksi c. Have had their accountability as a member of the
pernah tidak diterima oleh RUPS atau pernah tidak Board of Directors rejected by the GMS or have failed
memberikan pertanggungjawaban sebagai anggota to provide accountability as a member of the Board of
Direksi kepada RUPS, dan Directors to the GMS, and
d. Pernah menyebabkan perusahaan yang memperoleh d. Have caused a company that has obtained a permit,
izin, persetujuan atau pendaftaran dari OJK tidak approval, or registration from the OJK to fail to fulfill its
memenuhi kewajiban menyampaikan Laporan Tahunan obligations to submit Annual Reports and/or Financial
dan/atau Laporan Keuangan kepada OJK. Statements to the OJK.
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Persyaratan Direktur Kepatuhan
Requirements of Compliance Director
Selain memenuhi kriteria umum bagi anggota Direksi, Direktur Apart from meeting the general criteria for members of the
yang membawahi fungsi kepatuhan juga wajib memenuhi Board of Directors, the Director in charge of the compliance
sejumlah persyaratan sebagai berikut: function is also required to fulfill a number of requirements as
follows:
1. Memenuhi persyaratan independensi. 1. Fulfill independence requirements.
2. Direktur utama dan/atau wakil direktur utama dilarang 2. The President Director is prohibited from holding concurrent
merangkap jabatan sebagai direktur yang membawahkan positions as Director in charge of the compliance function.
Fungsi Kepatuhan.
3. Dilarang membawahi fungsi: Bisnis, Operasional, 3. Prohibited from being in charge of functions: Business,
Manajemen Risiko yang melakukan pengambilan keputusan Operations, Risk Management which makes decisions on
pada kegiatan usaha Bank, treasury, keuangan dan Bank business activities, treasury, finance and accounting,
akuntansi, logistik dan pengadaan barang/jasa, teknologi logistics and procurement of goods/services, information
informasi dan/atau audit internal. technology and internal audit.
Pengangkatan Anggota Direksi
Appointment of Members of the Board of Directors
1. Anggota Direksi diangkat berdasarkan keputusan RUPS. 1. Board of Directors members are appointed based on the
decision of the GMS.
2. Anggota Direksi diangkat untuk masa jabatan tertentu dan 2. Board of Directors members are appointed for a specific
dapat diangkat kembali. term and may be reappointed.
3. Satu periode masa jabatan anggota Direksi paling lama 3 3. The maximum term for a Board of Directors member is 3
(tiga) tahun atau sampai dengan penutupan RUPS tahunan (three) years or until the end of 1 (one) term period, which
pada akhir 1 (satu) periode masa jabatan dimaksud. ends with the annual GMS meeting.
4. Usulan penggantian dan/atau pengangkatan anggota 4. Proposals for the replacement and/or appointment of Board
Direksi oleh Dewan Komisaris dalam RUPS, harus of Directors members by the Board of Commissioners
memperhatikan rekomendasi dari Komite Remunerasi dan in GMS, must consider the recommendations of the
Nominasi. Remuneration and Nomination Committee.
5. Persyaratan pengangkatan Direksi yang merupakan 5. The appointment requirements for foreign workers who
tenaga kerja asing harus tunduk kepada ketentuan tentang serve as Board of Directors members must comply with
Pemanfaatan Tenaga Kerja Asing dan Program Alih the provisions on the Utilization of Foreign Workers and
Pengetahuan sebagaimana diatur dalam Peraturan OJK Knowledge Transfer Program as stipulated by the OJK
serta ketentuan instansi terkait lainnya. regulation and other relevant agencies.
6. Honorarium dan/atau tunjangan Direksi ditentukan dalam 6. The honorarium and/or benefits for Board of Directors
RUPS. members are determined at GMS.
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Pengunduran Diri Anggota Direksi & Pergantian Anggota Direksi
Resignation and Replacement of Directors
1. Anggota Direksi dapat mengundurkan diri dari jabatannya 1. Members of the Board of Directors may resign from their
sebelum masa jabatannya berakhir. positions before their term of office ends.
2. Masa jabatan Direksi berakhir dengan sendirinya apabila 2. The term of office of a Director ends automatically if the
Direksi tersebut: Director:
a. Mengundurkan diri dengan pemberitahuan secara a. Resign with written notification;
tertulis;
b. Tidak lagi memenuhi persyaratan perundang-undangan b. No longer meets applicable statutory requirements;
yang berlaku;
c. Meninggal dunia; c. Passes away;
d. Diberhentikan berdasarkan keputusan RUPS; d. Dismissed based on GMS decision;
e. Dinyatakan pailit atau ditaruh dibawah pengampuan e. Declared bankrupt or placed under guardianship based
berdasarkan suatu penetapan Pengadilan; on a court decision;
f. Terbukti terlibat dalam kejahatan keuangan. f. Proven to be involved in financial crimes.
3. Direksi berhak mengundurkan diri dari jabatannya dengan 3. Directors have the right to resign from their positions by
memberitahukan secara tertulis kepada Bank selambat notifying the Bank in writing no later than 90 (ninety) days
lambatnya 90 (sembilan puluh) hari sebelum tanggal before the date of their resignation.
pengunduran dirinya.
4. Bank wajib menyelenggarakan RUPS untuk memutuskan 4. The Bank is obliged to hold a GMS to decide on the request
permohonan pengunduran diri anggota Direksi dimaksud for resignation of the member of the Board of Directors
paling lambat 90 (sembilan puluh) hari setelah diterimanya no later than 90 (ninety) days after receipt of the letter of
surat pengunduran diri tersebut. resignation.
5. Apabila anggota Direksi mengundurkan diri sehingga 5. If a member of the Board of Directors resigns resulting in
mengakibatkan jumlah anggota Direksi menjadi kurang dari the number of members of the Board of Directors being
3 (tiga) orang, maka pengunduran diri tersebut sah apabila less than 3 (three) people, then the resignation is valid if it
telah ditetapkan dalam RUPS dan telah diangkat anggota has been determined in the GMS and new members of the
Direksi yang baru sehingga memenuhi persyaratan minimal Board of Directors have been appointed so that it meets the
jumlah anggota Direksi. minimum requirements for the number of members of the
Board of Directors.
6. RUPS dapat mengangkat orang lain untuk mengisi jabatan 6. The GMS may appoint another person to fill the position
seorang Direktur yang diberhentikan dari jabatannya atau of a Director who is dismissed from his position or to fill a
untuk mengisi suatu lowongan. Masa jabatan seorang vacancy. The term of office of a person appointed to replace
yang diangkat untuk menggantikan anggota Direksi yang a member of the Board of Directors who has resigned or
berhenti atau mengisi lowongan adalah selama sisa jangka filled a vacancy is for the remaining term of office of the
waktu masa jabatan anggota Direksi yang diberhentikan member of the Board of Directors who has been dismissed
atau digantikan tersebut. or replaced.
7. Bagi Direktur Utama dan/atau Direktur Kepatuhan, 7. For the President Director and/or Compliance Director,
pemberhentian, penggantian dan/atau pengunduran dismissal, replacement and/or resignation before the end of
diri sebelum masa jabatan berakhir harus mendapatkan the term of office must obtain prior approval from the OJK
persetujuan terlebih dahulu dari OJK sebelum diputuskan before being decided at the GMS:
dalam RUPS:
a. Penyampaian permohonan kepada OJK sebagaimana a. Submission of the application to the OJK as intended
dimaksud disampaikan Bank paling lama 1 (satu) bulan is submitted by the Bank no later than 1 (one) month
sebelum rencana pelaksanaan RUPS yang memuat before the planned implementation of the GMS which
agenda pemberhentian atau penggantian Direktur contains the agenda for dismissal or replacement of
Utama dan/atau direktur yang membawahi fungsi the President Director and/or director in charge of
kepatuhan, dengan memuat: (i) alasan/pertimbangan the compliance function, by including: (i) reasons/
pemberhentian, penggantian dan/atau pengunduran considerations for dismissal, replacement and/or
diri; (ii) Profil calon pengganti yang dinilai memenuhi resignation; (ii) The profile of the replacement candidate
persyaratan untuk dilakukan penilaian kemampuan dan who is deemed to meet the requirements for a fit and
kepatutan; proper test;
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Good Corporate Governance Sustainability Report Financial Statements
b. Bilamana OJK menilai rencana dimaksud tidak layak b. If OJK assesses that the plan is not feasible then: (i) The
maka: (i) Rencana tersebut tidak disetujui OJK; (ii) Bank plan is not approved by OJK; (ii) Banks are prohibited
dilarang memuat agenda tersebut dalam RUPS. from including this agenda in the GMS.
8. Bank wajib menyampaikan kepada OJK dan melakukan 8. The Bank is required to submit information to the OJK and
keterbukaan informasi paling lambat 2 (dua) hari kerja disclose information no later than 2 (two) working days
setelah: after:
a. Diterimanya permohonan pengunduran diri anggota a. Acceptance of resignation requests from members of
Direksi. the Board of Directors.
b. Dilakukan penyelenggaraan RUPS. b. A GMS was held.
9. Selain Anggaran Dasar Perusahaan, pengunduran diri 9. In addition to the Company’s Articles of Association,
anggota Direksi juga tunduk kepada ketentuan OJK dan/ resignation of members of the Board of Directors is also
atau aturan otoritas terkait lainnya. subject to OJK provisions and/or other relevant authority
regulations.
Pemberhentian Sementara Anggota Direksi
Temporary Suspension of Board of Directors Member
1. Anggota Direksi dapat diberhentikan untuk sementara oleh 1. A Board of Directors member may be temporarily
Dewan Komisaris dengan menyebutkan alasannya. suspended by the Board of Commissioners by stating the
reasons.
2. Pemberhentian sementara wajib diberitahukan secara 2. The temporary suspension must be notified in writing to the
tertulis kepada anggota Direksi yang bersangkutan. respective Board of Directors member.
3. Dewan Komisaris harus menyelenggarakan RUPS untuk 3. The Board of Commissioners must convene a General
mencabut atau menguatkan keputusan pemberhentian Meeting of Shareholders to revoke or confirm the temporary
sementara tersebut. suspension decision.
4. RUPS harus diselenggarakan dalam jangka waktu 4. The General Meeting of Shareholders must be held no
paling lambat 90 (sembilan puluh) hari setelah tanggal later than 90 (ninety) days after the date of the temporary
pemberhentian sementara. suspension.
5. Dalam RUPS anggota Direksi yang bersangkutan diberi 5. In the General Meeting of Shareholders, the respective
kesempatan untuk membela diri. Board of Directors member shall be given an opportunity to
defend himself or herself.
6. Dengan lampauan jangka waktu penyelenggaraan 6. If the General Meeting of Shareholders (GMS) fails to make
RUPS atau RUPS tidak dapat mengambil keputusan, a decision or does not take place within the specified
pemberhentian sementara menjadi batal. period, the temporary suspension of a Board of Directors
member will be revoked.
7. Anggota Direksi yang diberhentikan untuk sementara tidak 7. A temporarily suspended Board of Directors member is not
berwenang: authorized to:
a. Menjalankan pengurusan Bank untuk kepentingan a. Conduct the management of the Bank for the benefit
Bank sesuai dengan maksud dan tujuan Bank of the Bank in accordance with the Bank’s objectives
and purposes.
b. Mewakili Bank di dalam maupun di luar pengadilan. b. Represent the Bank in or outside the court.
8. Pembatasan kewenangan berlaku sejak keputusan 8. The authority restrictions are in effect from the temporary
pemberhentian sementara oleh Dewan Komisaris sampai suspension decision by the Board of Commissioners until
dengan terdapat keputusan RUPS yang menguatkan atau there is a GMS decision that confirms or cancels the
membatalkan pemberhentian sementara atau lampaunya temporary suspension or until the expiration of the GMS
jangka waktu penyelenggaraan RUPS. holding period.
9. Bank wajib melakukan keterbukaan informasi kepada 9. The Bank is obliged to disclose information to the public and
masyarakat dan menyampaikan kepada OJK mengenai report to the OJK regarding the decision of the temporary
keputusan pemberhentian sementara dan hasil suspension and the results of the GMS or information on
penyelenggaraan RUPS atau informasi mengenai batalnya the revocation of the temporary suspension by the Board of
pemberhentian sementara oleh Dewan Komisaris karena Commissioners due to the failure to hold the GMS until the
tidak terselenggaranya RUPS sampai dengan lampaunya holding period expires, no later than 2 (two) working days
jangka waktu, paling lambat 2 (dua) hari kerja setelah after the event.
terjadinya peristiwa tersebut.
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Pengangkatan, Pemberhentian, dan Pengunduran Diri Direktur yang Membawahi
Fungsi Kepatuhan
Appointment, Termination, and Resignation of Director in Charge of Compliance Function
1. Pengangkatan, pemberhentian dan/atau pengunduran diri 1. The appointment, dismissal and/or resignation of the
Direktur Kepatuhan mengacu pada ketentuan mengenai Director of Compliance refers to the provisions regarding
pengangkatan, pemberhentian dan/atau pengunduran diri the appointment, dismissal and/or resignation of members
anggota Direksi sebagaimana ketentuan di atas. of the Board of Directors as stipulated above.
2. Dalam hal direktur yang membawahkan Fungsi Kepatuhan 2. In the event that the director in charge of the Compliance
berhalangan sementara sehingga tidak dapat menjalankan Function is temporarily unable to perform their duties
tugas jabatannya selama lebih dari 7 (tujuh) hari kerja for more than seven (7) consecutive working days, their
berturut-turut, pelaksanaan tugas yang bersangkutan wajib responsibilities must be temporarily assigned to another
digantikan sementara oleh direktur lain sampai dengan director until they can resume their duties.
direktur yang membawahkan Fungsi Kepatuhan dapat
menjalankan tugas jabatannya kembali.
3. Dalam hal direktur yang membawahkan Fungsi Kepatuhan 3. In the event that the director in charge of the Compliance
berhalangan tetap, mengundurkan diri, atau habis masa Function is permanently unable to serve, resigns, or their
jabatannya, Bank wajib segera mengangkat pengganti term expires, the Bank must appoint a replacement no
direktur yang membawahkan Fungsi Kepatuhan, paling later than six (6) months after the director in charge of
lama 6 (enam) bulan setelah direktur yang membawahkan the Compliance Function is permanently unable to serve,
Fungsi Kepatuhan berhalangan tetap, mengundurkan diri, resigns, or their term expires.
atau habis masa jabatannya.
4. Selama dalam proses penggantian direktur yang 4. During the replacement process, as referred to in point
membawahkan Fungsi Kepatuhan sebagaimana dimaksud (3), the Bank must assign another director to temporarily
pada poin (3), Bank wajib menunjuk atau menugaskan assume the Compliance Function Director’s duties.
salah satu direktur lainnya untuk sementara melaksanakan
tugas direktur yang membawahkan Fungsi Kepatuhan.
5. Direktur yang melaksanakan tugas sementara sebagai 5. Directors who temporarily assume the role of the Director of
direktur yang membawahkan Fungsi Kepatuhan, baik karena Compliance, either due to temporary incapacity as referred
berhalangan sementara sebagaimana dimaksud pada poin to in point (2) or permanent incapacity, resignation, or the
(2) maupun berhalangan tetap, mengundurkan diri, atau expiration of their term of office as referred to in point (4),
habis masa jabatannya sebagaimana dimaksud pada poin must comply with regulations concerning dual positions,
(4), harus memenuhi ketentuan mengenai rangkap jabatan ensuring that they do not hold responsibilities in areas
sesuai ketentuan dan larangan membawahkan fungsi such as the Bank’s business activities, treasury, finance and
bisnis dan operasional; manajemen risiko yang melakukan accounting, logistics and procurement of goods or service,
pengambilan keputusan pada kegiatan usaha Bank; tresuri; information technology, and/or internal audit.
keuangan dan akuntansi; logistik dan pengadaan barang
atau jasa; teknologi informasi; dan/atau audit intern.
6. Dalam hal Direktur lain sebagai pengganti tidak ada yang 6. In the event that no other director meets the necessary
memenuhi ketentuan, maka jabatan Direktur Kepatuhan qualifications, the position of Director of Compliance may
dapat dirangkap sementara oleh Direktur lainnya yang be temporarily held by a director overseeing business,
membawahi fungsi-fungsi bisnis, operasional, manajemen operational, risk management, that make decisions on the
risiko yang melakukan pengambilan keputusan pada Bank’s business activities, treasury, finance and accounting,
kegiatan usaha Bank, treasury, keuangan dan akuntansi, logistics and procurement of goods and service, information
logistic dan pengadaan barang/jasa, teknologi informasi technology, or internal audit.
atau audit internal.
7. Dalam hal anggota Direksi hanya terdiri dari 1 (satu) 7. In the event that the Board of Directors consists of only
orang direktur, tugas dan tanggung jawab direktur yang one (1) director, the Head of the Bank’s Compliance Work
membawahi fungsi kepatuhan dilaksanakan oleh kepala Unit will assume the Compliance Function Director’s
satuan kerja kepatuhan Bank paling lama 6 (enam) bulan. responsibilities for a maximum of six (6) months.
8. Penggantian sementara jabatan Direktur Kepatuhan wajib 8. The temporary replacement of the Compliance Director
dilaporkan kepada OJK. must be reported to OJK.
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Susunan dan Dasar Pengangkatan Direksi Tahun 2025
Competition and Basis of Appointment of Board of Directors in 2025
Di tahun 2025, anggota Direksi Bank telah mengalami In 2025, the Bank's Board of Directors has undergone several
beberapa kali perubahan susunan dan komposisi seiring changes in its composition and composition in line with
dengan keputusan RUPS Tahunan pada 10 April 2025 dan the decisions of the Annual GMS on April 10, 2025 and the
RUPS Luar Biasa tanggal 9 Oktober 2025. Susunan komposisi Extraordinary GMS on October 9, 2025. The composition of
Direksi telah disusun sedemikian rupa guna memastikan setiap the Board of Directors has been arranged in such a way as to
anggota Direksi telah memiliki integritas dan kompetensi yang ensure that each member of the Board of Directors has the
tepat sehingga memungkinkan pengambilan keputusan dapat right integrity and competence so that decisions can be made
dilakukan secara efektif, tepat dan cepat, serta dapat bertindak effectively, precisely and quickly, and can act independently.
independen. Adapun susunan dan komposisi Direksi sampai The composition and composition of the Board of Directors
dengan 31 Desember 2025 adalah sebagai berikut: until December 31, 2025 is as follows:
Nama Jabatan Dasar Pengangkatan Masa Jabatan Periode Jabatan
Name Position Basis of Appointment Term of Office Period
Ari Yanuanto Direktur RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Asah Director Annual GMS May 31, 2024 2024 - Annual GMS 2027 Second
Ganda Raharja Direktur RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Rusli Director Annual GMS May 31, 2024 2024 - Annual GMS 2027 Second
Sajal Bhatnagar Direktur RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Director Annual GMS May 31, 2024 2024 - Annual GMS 2027 Second
Profil masing-masing Direksi Allo Bank dapat dilihat pada Bab The profile of each Allo Bank Director can be seen in the
Profil Perusahaan dalam Laporan Tahunan ini. Company Profile Chapter in this Annual Report.
Penilaian Kelayakan dan Kepatutan Direksi
Fit and Proper Assessment of the Board of Directors
Dalam menjalankan kegiatan operasional, Bank senantiasa In conducting its operational activities, the Bank consistently
mengedepankan kepatuhan terhadap peraturan dan ketentuan prioritizes compliance with applicable rules and regulations. To
yang berlaku. Untuk itu, Bank memastikan bahwa seluruh this end, the Bank ensures that all members of the Board of
anggota Direksi telah dinyatakan lulus dari uji kemampuan Directors have passed the Fit and Proper Test and obtained
dan kepatutan (fit and proper test) dan memperoleh approval from OJK before assuming their duties and functions.
persetujuan dari OJK sebelum menjalankan tugas dan fungsi This requirement is in accordance with OJK Regulation No. 27/
jabatannya sebagaimana diatur dalam Peraturan OJK No. 27/ POJK.03/2016 concerning the Fit and Proper Test for Main
POJK.03/2016 tentang Uji Kemampuan dan Kepatutan (Fit Parties of Financial Services Institutions. Details regarding the
and Proper Test) bagi Pihak Utama Lembaga Jasa Keuangan. Fit and Proper Test status of the Bank’s Board of Directors
Rincian mengenai status uji kemampuan dan kepatutan Direksi serving until the end of 2025 are as follows:
Bank yang menjabat hingga akhir tahun 2025 adalah sebagai
berikut:
Nama Status Persetujuan OJK terkait Uji Kemampuan dan Kepatutan
Name Status OJK approval regarding Fit and Proper Test
Ari Yanuanto Asah Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No. KEP-24/PB.1/2021 tanggal 6
Passed April 2021 tentang Hasil Penilaian Kemampuan dan Kepatutan Sdr. Ari Yanuanto Asah selaku Direktur
Operasional dan IT PT Bank Harda Internasional Tbk.
Copy of the Decree of the Deputy Commissioner for Banking Supervision I of the Financial Services
Authority (OJK) No. KEP-24/PB.1/2021 dated April 6, 2021 concerning the Results of the Fit and Proper
Assessment of Mr. Ari Yanuanto Asah as Operations and IT Director of PT Allo Bank Indonesia Tbk.
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Nama Status Persetujuan OJK terkait Uji Kemampuan dan Kepatutan
Name Status OJK approval regarding Fit and Proper Test
Ganda Raharja Rusli Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No.KEP-70/PB.1/2021 tertanggal 14
Passed Desember 2021 tentang Hasil Penilaian Kemampuan dan Kepatutan Sdr. Ganda Raharja Rusli selaku
Direktur Kepatuhan PT Allo Bank Indonesia Tbk.
Copy of the Decree of the Deputy Commissioner for Banking Supervision I of the Financial Services
Authority (OJK) No. KEP-70/PB.1/2021 dated December 14, 2021 concerning the Results of the Fit and
Proper Assessment of Mr. Ganda Raharja Rusli as Compliance Director of PT Allo Bank Indonesia Tbk.
Sajal Bhatnagar Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No.Kep-40/PB.1/2022 tertanggal 16
Passed Agustus 2022 tentang Hasil Penilaian Kemampuan dan Kepatutan Sdr. Sajal Bhatnagar selaku Direktur
Digital PT Allo Bank Indonesia Tbk.
Copy of the Decision of the Deputy Commissioner for Banking Supervision I of the Financial Services
Authority No. Kep-40/PB.1/2022 dated August 16, 2022 concerning the Results of the Fit and Proper
Assessment of Mr. Sajal Bhatnagar as Digital Director of PT Allo Bank Indonesia Tbk.
Pedoman Kerja Direksi
Board of Directors Charter
Allo Bank telah memiliki BOD Charter yang merupakan Allo Bank has established a BOD Charter, which serves as a
pedoman bagi Direksi dalam melakukan tugas dan tanggung guideline for the Board of Directors in performing their duties
jawabnya. BOD Charter mengatur sejumlah hal, antara lain: and responsibilities. The BOD Charter regulates several key
aspects, including:
1. Persyaratan Anggota Direksi; 1. Requirements for the Board of Directors;
2. Persyaratan Direktur Kepatuhan; 2. Requirements for Director of Compliance;
3. Pengangkatan Anggota Direksi; 3. Appointment of the Board of Directors;
4. Pengunduran Diri Anggota Direksi; 4. Resignation of the Board of Directors;
5. Pemberhentian Sementara Anggota Direksi; 5. Temporary Dismissal of the Board of Directors;
6. Pengangkatan, Pemberhentian, dan Pengunduran Diri 6. Appointment, Dismissal, and Resignation of Directors in
Direktur yang Membawahi Fungsi Kepatuhan; charge of Compliance Functions;
7. Susunan dan Pembagian Tugas Direksi; 7. Structure and Division of Duties of the Board of Directors;
8. Rangkap Jabatan Direksi; 8. Concurrent Positions of the Board of Directors;
9. Transparansi, Independensi, dan Etika Jabatan Direksi; 9. Transparency, Independence, and Job Ethics of the Board
of Directors;
10. Tugas dan Tanggung Jawab Direksi; 10. Duties and Responsibilities of the Board of Directors;
11. Kehadiran dan Waktu Kerja Direksi; 11. Attendance and Working Hours of the Board of Directors;
12. Tata Tertib Rapat Direksi; 12. Rules of Procedure for Board Meetings;
13. Penilaian Kinerja Direksi. 13. Performance Assessment of the Board of Director.
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Tugas dan Tanggung Jawab Direksi
Duties and Responsibilities of the Board of Directors
Secara umum, Direksi bertanggung jawab dalam mengelola In general, the Board of Directors is responsible for managing
Bank secara kolektif sesuai dengan Anggaran Dasar dan the Bank collectively in accordance with the Articles of
peraturan perundang-undangan yang berlaku dalam mencapai Association and applicable laws and regulations to achieve the
tujuan Bank. Bank’s objectives.
Adapun rincian tugas dan tanggung jawab Direksi, antara lain: The details of the Board of Directors’ duties and responsibilities
are as follows:
1. Setiap anggota Direksi wajib melaksanakan tugas dan 1. Each member of the Board of Directors must carry out their
tanggung jawab dengan itikad baik, penuh tanggung jawab duties and responsibilities in good faith, full responsibility,
dan kehati-hatian. and prudence.
2. Dalam menjalankan tugas dan tanggung jawab atas 2. In carrying out their duties and responsibilities in
pengurusan, Direksi wajib menyelenggarakan RUPS management, the Board of Directors must hold the
tahunan dan RUPS lainnya sebagaimana diatur dalam annual GMS and other GMS as stipulated in the laws and
peraturan perundang-undangan dan Anggaran Dasar. regulations and the Articles of Association.
3. Direksi wajib mempertanggungjawabkan pelaksanaan 3. The Board of Directors must be accountable for the
tugasnya kepada pemegang saham melalui RUPS. implementation of their duties to shareholders through the
GMS.
4. Membuat kebijakan strategis terkait pengelolaan 4. Make strategic policies related to the management of the
perusahaan sesuai dengan kewenangan yang diberikan. company in accordance with the authority given.
5. Membuat dan menyusun rencana kerja tahunan yang 5. Create and prepare the annual work plan that also includes
memuat juga anggaran tahunan Bank dan disampaikan the Bank’s annual budget and submitting it to the Board of
kepada Dewan Komisaris untuk memperoleh persetujuan. Commissioners for approval.
6. Melaksanakan prinsip-prinsip Tata Kelola Perusahaan 6. Implement the principles of Good Corporate Governance in
yang Baik dalam setiap kegiatan usaha Bank pada seluruh all Bank business activities at all levels of the organization.
tingkatan atau jenjang organisasi.
7. Memastikan penerapan manajemen risiko telah memadai 7. Ensure that the implementation of risk management is
sesuai dengan Kebijakan Manajemen Risiko dan Strategi adequate in accordance with the Risk Management Policy
Manajemen Risiko yang telah ditetapkan. and Risk Management Strategy that have been established.
8. Mengembangkan budaya anti fraud dan budaya kepatuhan 8. Develop an anti-fraud culture and a compliance culture
pada seluruh jajaran organisasi. throughout the organization.
9. Menindaklanjuti temuan audit dan rekomendasi dari 9. Follow up on audit findings and recommendations from the
Satuan Kerja Audit Internal Bank, auditor eksternal, hasil Bank’s Internal Audit Unit, external auditors, OJK and/or
pengawasan OJK, BI dan/atau hasil pengawasan otoritas other supervisory authorities’ surveillance results.
lain.
10. Menyusun kebijakan remunerasi dan mengungkapkan 10. Develop a remuneration policy and disclosing to employees
kepada pegawai kebijakan yang bersifat strategis di bidang the strategic policies in the field of personnel management.
kepegawaian.
11. Menyusun dan memberikan Laporan Keuangan dan 11. Prepare and provide Financial Reports and Bank business
kegiatan usaha Bank kepada pihak-pihak yang berwenang activities to authorized parties as regulated in banking
sebagaimana diatur dalam peraturan perbankan dan regulations and applicable laws.
perundang-undangan yang berlaku.
12. Direksi dilarang menggunakan penasihat perorangan dan/ 12. The Board of Directors are prohibited from using individual
atau jasa profesional sebagai tenaga ahli atau konsultan. advisors and/or professional services as experts or
Larangan sebagaimana dimaksud tidak berlaku untuk consultants. The prohibition as intended does not apply to
penggunaan penasihat perorangan dan/atau jasa the use of individual advisors and/or professional services
profesional dengan ketentuan: provided that:
a. Untuk proyek khusus; a. For special projects;
b. Berdasarkan pada kontrak kerja yang jelas; b. Based on a clear employment contract;
c. Dilaksanakan oleh pihak yang tidak menduduki jabatan c. Carried out by parties who do not hold structural
struktural pada Bank; dan positions at the Bank; and
d. Dilaksanakan oleh pihak yang tidak mempunyai d. Carried out by parties who do not have the authority to
wewenang untuk membuat keputusan operasional make bank operational decisions.
bank.
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13. Dalam pengelolaan data dan informasi terkait Bank, Direksi 13. In managing data and information related to the Bank, the
wajib: Board of Directors is obliged to:
a. Memiliki dan menyediakan data dan informasi yang a. have and provide accurate, relevant and timely data and
akurat,relevan,dan tepat waktu, termasuk kepada information, including to the Board of Commissioners;
Dewan Komisaris; dan and
b. Melaksanakan pengelolaan data dan informasi sesuai b. carry out data and information management in
dengan tata kelola yang baik pada Bank dan ketentuan accordance with good governance at the Bank and
peraturan perundang-undangan. statutory provisions.
14. Untuk mendukung efektivitas pelaksanaan tugas dan 14. To support the effective implementation of duties
tanggung jawab Direksi dapat membentuk komite. Dalam and responsibilities, the Board of Directors may form
hal membentuk komite, Direksi wajib melakukan evaluasi committees. In the case of forming a committee, the Board
terhadap kinerja komite setiap akhir tahun buku. of Directors is obliged to evaluate the performance of the
committee at the end of each fiscal year.
15. Setiap anggota Direksi bertanggung jawab secara 15. Each member of the Board of Directors is jointly and
tanggung renteng atas kerugian Bank yang disebabkan severally responsible for losses to the Bank caused by
oleh kesalahan atau kelalaian anggota Direksi dalam errors or negligence of members of the Board of Directors
menjalankan tugasnya. in carrying out their duties.
16. Anggota Direksi tidak dapat diminta pertanggungjawaban 16. Members of the Board of Directors cannot be held
atas kerugian Bank apabila dapat membuktikan: responsible for Bank losses if they can prove:
a. Kerugian tersebut bukan karena kesalahan atau a. The loss was not due to his fault or negligence.
kelalaiannya.
b. Telah melakukan pengurusan dengan itikad baik, penuh b. Has carried out management in good faith, full
tanggung jawab dan kehati-hatian untuk kepentingan responsibility and prudence for the benefit and in
dan sesuai dengan maksud dan tujuan Bank. accordance with the Bank’s aims and objectives.
c. Tidak mempunyai benturan kepentingan baik langsung c. Have no conflict of interest, either directly or indirectly,
maupun tidak langsung atas tindakan pengurusan yang regarding management actions that result in losses.
mengakibatkan kerugian.
d. Telah mengambil tindakan untuk mencegah timbul atau d. Have taken action to prevent the occurrence or
berlanjutnya kerugian tersebut. continuation of such losses.
17. Direktur Kepatuhan memiliki tugas dan tanggung jawab 17. The Compliance Director has duties and responsibilities
yang paling kurang mencakup: which at least include:
a. Merumuskan strategi guna mendorong terciptanya a. Formulate strategies to encourage the creation of a
budaya kepatuhan Bank. culture of Bank compliance.
b. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip b. Propose compliance policies or compliance principles
kepatuhan yang akan ditetapkan oleh Direksi. that will be determined by the Board of Directors.
c. Menetapkan sistem dan prosedur kepatuhan yang akan c. Establish compliance systems and procedures that will
digunakan untuk menyusun ketentuan dan pedoman be used to develop the Bank’s internal regulations and
internal Bank. guidelines.
d. Memastikan bahwa seluruh kebijakan, ketentuan, sistem d. Ensure that all policies, provisions, systems and
dan prosedur serta kegiatan usaha yang dilakukan Bank procedures as well as business activities carried out
telah sesuai dengan ketentuan OJK, Bank Indonesia by the Bank are in accordance with the provisions
dan peraturan perundang-undangan yang berlaku. of the OJK, Bank Indonesia and applicable laws and
regulations.
e. Meminimalkan risiko kepatuhan Bank. e. Minimize Bank compliance risks.
f. Melakukan tindakan pencegahan agar kebijakan f. Take preventive measures so that policies and/or
dan/atau keputusan yang diambil Direksi Bank tidak decisions taken by the Bank’s Board of Directors do not
menyimpang dari ketentuan OJK, Bank Indonesia dan deviate from the provisions of the OJK, Bank Indonesia
peraturan perundang-undangan yang berlaku. and applicable laws and regulations.
g. Melakukan tugas-tugas lainnya yang terkait dengan g. Perform other tasks related to the Compliance function.
fungsi Kepatuhan.
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Independensi Direksi
Independence of the Board of Directors
1. Anggota Direksi baik secara sendiri-sendiri atau bersama- 1. Members of the Board of Directors, individually or
sama dilarang memiliki saham melebihi 25% (dua puluh collectively, are prohibited from owning shares exceeding
lima persen) dari modal disetor pada suatu perusahaan lain. 25% (twenty five percent) of the paid-up capital in another
company.
2. Kepemilikan saham anggota Direksi secara sendiri sendiri 2. Share ownership of members of the Board of Directors
atau bersama-sama sehubungan penerimaan bonus dan/ individually or together in connection with receiving
atau tantiem dalam bentuk saham yang mengakibatkan bonuses and/or bonuses in the form of shares which results
kepemilikan saham sebesar 25% (dua puluh lima persen) in share ownership of 25% (twenty five percent) or more is
atau lebih dikecualikan dari poin (1). excluded from point (1).
3. Kepemilikan saham direktur utama atau direktur yang 3. Share ownership of the main director or director in
membawahkan fungsi kepatuhan yang berasal dari charge of the compliance function originating from the
pemberian bonus, tantiem, program kepemilikan Saham provision of bonuses, bonuses, share ownership programs
Bagi Manajemen, dan/atau Program kepemilikan saham for management, and/or share ownership programs for
bagi karyawan pada perusahaan yang merupakan employees in companies that are controlling shareholders
pemegang saham pengendali dan/atau pengendali terakhir and/or the ultimate controller of the Bank, is not taken
Bank, tidak diperhitungkan dalam penilaian independensi into account in assessing the independence of controlling
terhadap pemegang saham pengendali, sepanjang: shareholders, as long as:
a. kepemilikan saham merupakan kebijakan dari a. share ownership is the policy of the controlling
pemegang saham pengendali dan/atau pengendali shareholder and/or ultimate controller of the Bank and
terakhir Bank dan bukan merupakan inisiatif dari is not an initiative of the President Director or Director
Direktur Utama atau Direktur yang membawahkan in charge of the Compliance function;
fungsi Kepatuhan;
b. kepemilikan saham tidak untuk diperdagangkan; dan b. share ownership is not for trading; and
c. yang bersangkutan menyampaikan surat pernyataan c. the person concerned submits a statement that he/she
bahwa senantiasa bertindak independen selama menjadi always acts independently while serving as the main
direktur utama atau direktur yang membawahkan fungsi director or director in charge of the compliance function
kepatuhan walaupun memiliki saham pemegang saham even though he/she has shares as the controlling
pengendali dan/atau pengendali terakhir Bank. shareholder and/or ultimate controller of the Bank.
4. Mayoritas anggota Direksi dilarang memiliki hubungan 4. The majority of members of the Board of Directors are
keluarga sampai dengan derajat kedua dengan sesama prohibited from having family relationships up to the second
anggota Direksi dan/atau dengan anggota Dewan degree with fellow members of the Board of Directors and/
Komisaris. or with members of the Board of Commissioners.
5. Direktur yang membawahi fungsi Kepatuhan wajib 5. The Director in charge of the Compliance function
memenuhi persyaratan independen sebagaimana is required to fulfill the independent requirements as
ditetapkan oleh peraturan Regulator. determined by Regulatory regulations.
6. Anggota Direksi dilarang memberikan kuasa umum kepada 6. Members of the Board of Directors are prohibited from
pihak lain yang mengakibatkan pengalihan tugas dan granting general power of attorney to other parties which
fungsi Direksi. results in the transfer of the duties and functions of the
Board of Directors.
7. Menandatangani Surat Pernyataan Independensi yang 7. Sign a Statement of Independence which is valid in
berlaku sesuai dengan periode/masa jabatan sebagaimana accordance with the period/term of office as determined in
ditetapkan dalam RUPS. the GMS.
8. Menandatangani Surat Pernyataan tidak memanfaatkan 8. Sign a Statement Letter not to use the Bank for personal
Bank untuk keuntungan pribadi yang berlaku sesuai gain which applies in accordance with the period/term of
dengan periode/masa jabatan sebagaimana ditetapkan office as determined in the GMS.
dalam RUPS.
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Pembagian Tugas Direksi
Division of Duties of the Board of Directors
1. Pembagian tugas Direksi diputuskan dalam RUPS. Dalam 1. The division of duties of the Board of Directors is determined
hal RUPS tidak menetapkan, maka pembagian tugas in the General Meeting of Shareholders (GMS). In case the
dan wewenang anggota Direksi ditetapkan berdasarkan GMS does not stipulate, the division of tasks and authorities
keputusan Direksi dengan persetujuan Dewan Komisaris. of the Board of Directors’ members shall be determined
based on the decision of the Board of Directors with the
approval of the Board of Commissioners.
2. Dalam pelaksanaan tugas, masing-masing Direksi dapat 2. In performing their duties, each member of the Board of
mengambil keputusan sesuai dengan pembagian tugas Directors may make decisions in accordance with their
dan kewenangannya. assigned tasks and authorities.
3. Kedudukan masing-masing anggota Direksi adalah setara. 3. Each member of the Board of Directors has an equal
Tugas Direktur Utama adalah mengkoordinasikan kegiatan/ position. The President Director’s task is to coordinate the
aktivitas kerja Direksi. work activities of the Board of Directors.
4. Dalam hal salah satu Direktur berhalangan sementara, 4. In case one of the Directors is temporarily unavailable, the
maka Direktur Utama dapat menentukan pengganti President Director may appoint a temporary replacement
sementara dengan persetujuan Dewan Komisaris. Khusus with the approval of the Board of Commissioners. For
untuk penggantian semen ara Direktur yang membawahi the temporary replacement of the Director in charge
fungsi kepatuhan harus mengikuti Peraturan OJK tentang of compliance functions, it must comply with the OJK
Pelaksanaan Fungsi Kepatuhan bagi Bank Umum. Regulation on the Implementation of Compliance Functions
for Conventional Bank.
Sesuai dengan Surat Keputusan No. 090/DIRAB/25 tertanggal In accordance with Decree No. 090/DIRAB/25 dated October
10 Oktober 2025 tentang Penetapan Direktur Bidang, 10, 2025 concerning the Appointment of Field Directors, the
penunjukan bidang untuk masing-masing Anggota Direksi field appointments for each Board of Directors Member are
ditetapkan sebagai berikut: determined as follows:
Nama Bidang
Name Position
Ari Yanuanto Asah Plt. Direktur Utama | Acting President Director
Direktur Keuangan, Operasional & Human Capital | Finance, Operations & Human Capital Director
Ganda Raharja Rusli Direktur Risiko, Kepatuhan & Hukum | Risk, Compliance & Legal Director
Sajal Bhatnagar Direktur Digital | Digital Director
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Program Orientasi bagi Anggota Direksi Baru
Orientation Program for New Members of Board of Directors
Berdasarkan BOD Charter, anggota Direksi yang baru diangkat Based on the BOD Charter, newly appointed members of the
wajib mengikuti program pengenalan perusahaan yang Board of Directors are required to participate in a company
bertujuan untuk memberikan pemahaman mengenai tugas induction program, which aims to provide an understanding
dan tanggung jawab sebagai anggota Direksi agar dijalankan of the duties and responsibilities of members of the Board of
sebaik-baiknya. Kegiatan ini juga bertujuan agar anggota Direksi Directors so that they can carry them out optimally. This activity
dapat memahami latar belakang dan kegiatan usaha Bank agar also aims to provide members of the Board of Directors with an
dapat mempermudah dan melancarkan pelaksanaan tugas understanding of the Bank's background and business activities,
Direksi secara efektif. thereby facilitating and facilitating the effective implementation
of their duties.
Di tahun 2025, Bank tidak melaksanakan program pengenalan In 2025, the Bank did not conduct an induction program for
bagi anggota Direksi baru sehubungan dengan tidak adanya new members of the Board of Directors due to the absence of
anggota Direksi yang baru menjabat pada tahun buku. new members of the Board of Directors during the fiscal year.
Peningkatan Kompetensi Direksi
Competency Development of Board of Directors
Bank senantiasa memfasilitasi seluruh anggota Direksi untuk The Bank consistently facilitates all members of the Board of
mengikuti pengembangan kompetensi melalui program Directors to participate in competency development through
pelatihan maupun sertifikasi lainnya yang dapat menunjang training programs and other certifications that can support
kapasitas dan kemampuan yang dimiliki sesuai dengan their capacity and capabilities in accordance with current
kondisi dan dinamika bisnis yang terjadi guna mempercepat business conditions and dynamics, in order to accelerate the
tercapainya tujuan Bank. Informasi lengkap mengenai achievement of the Bank's objectives. Complete information
peningkatan kompetensi Direksi sepanjang tahun 2025 dapat regarding the Board of Directors' competency development
dilihat pada Bab Profil Perusahaan dalam Laporan Tahunan ini. throughout 2025 is presented in the Company Profile chapter
of this Annual Report.
Pelaksanaan Tugas Direksi Tahun 2025
Implementation of Directors’ Duties in 2025
Di tahun 2025, Direksi telah melaksanakan tugas dan tanggung In 2025, the Board of Directors has carried out its duties and
jawabnya dalam pengelolaan Bank sesuai dengan peraturan responsibilities in managing the Bank in accordance with
perundang-undangan yang berlaku, Anggaran Dasar, dan applicable laws and regulations, the Articles of Association, and
Rencana Bisnis Bank, melalui berbagai kegiatan, seperti: the Bank's Business Plan, through various activities, such as:
1. Menetapkan tujuan dan strategi Bank untuk jangka panjang, 1. Defining the Bank’s objectives and strategies for the long,
menengah, dan tahunan yang dituangkan dalam Rencana medium, and annual terms, as outlined in the Corporate
Korporasi (Corporate Plan) dan Rencana Bisnis Bank (RBB) Plan and Bank Business Plan (RBB) and RBB Revision,
serta Revisi RBB yang dalam proses penyusunannya sudah which have undergone evaluation and supervision by the
melalui tahap evaluasi dan pengawasan oleh Dewan Board of Commissioners.
Komisaris.
2. Menetapkan langkah strategis untuk mencapai misi Bank 2. Establishing strategic initiatives to achieve the Bank’s
secara terpadu dengan mengembangkan produk dan mission in an integrated manner by developing products
layanan serta meningkatkan customer experience. and services and enhancing the customer experience.
3. Membuat kebijakan terkait pengelolaan Bank sesuai 3. Formulating policies related to Bank management in
dengan kewenangan yang diberikan, dan mengevaluasi accordance with assigned authority and conducting
kebijakan tersebut secara berkala. periodic evaluations of these policies.
4. Menyusun kebijakan remunerasi dan mengungkapkan 4. Preparing remuneration policies and informing employees
kepada pegawai terkait kebijakan Bank yang bersifat about the Bank’s strategic personnel policies.
strategis di bidang kepegawaian.
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5. Melaksanakan prinsip-prinsip Tata Kelola dengan tetap 5. Implementing Governance principles while taking into
memperhatikan aspek sosial dan lingkungan (ESG) yang account good and sustainable social and environmental
baik dan berkelanjutan serta penerapan manajemen risiko (ESG) aspects and implementing risk management in
dalam setiap kegiatan usaha Bank pada seluruh tingkatan every Bank business activity at all levels or levels of the
atau jenjang organisasi. organization.
6. Menumbuhkan budaya sadar risiko, budaya kepatuhan dan 6. Promoting a risk awareness culture, a compliance culture,
budaya anti fraud pada seluruh jajaran organisasi. Sesuai and an anti-fraud culture throughout the organization. As
dengan positioning Bank sebagai bank umum berbasis a digital-based conventional bank, the Board of Directors
digital, Direksi juga terus memperkuat kemampuan IT also continues to strengthen IT Security capabilities to
Security dalam pengamanan infrastruktur dan jaringan TI safeguard the Bank’s IT infrastructure and network against
Bank serta melawan serangan kejahatan cyber. cybercrime threats.
7. Peningkatan pengetahuan, keahlian dan kemampuan dari 7. Enhancing the knowledge, expertise, and capabilities of all
seluruh karyawan Bank pada seluruh tingkatan atau jenjang Bank employees at every level of the organization.
organisasi.
8. Melakukan evaluasi terhadap kinerja komite setiap akhir 8. Conducting performance evaluations of the committees at
tahun buku. the end of each financial year.
9. Menindaklanjuti hasil temuan Audit Internal, Audit Eksternal, 9. Following up on audit findings from Internal and External
dan hasil pengawasan Otoritas Jasa Keuangan, Bank Audits, as well as supervisory results from the Financial
Indonesia dan hasil pengawasan otoritas lain. Services Authority (OJK), Bank Indonesia, and other
regulatory bodies.
10. Melakukan evaluasi dan pemantauan terhadap prinsip 10. Evaluating and monitoring the Bank’s compliance with
kehati-hatian dan kepatuhan Bank serta pelaksanaan prudential principles and the effectiveness of internal
pengendalian internal. control implementation.
11. Mentransparansikan kondisi keuangan dan non keuangan 11. Ensuring transparency of financial and non-financial
kepada Pemangku Kepentingan sebagaimana diatur dalam conditions to Stakeholders, in accordance with banking
peraturan perbankan dan perundang-undangan yang regulations and applicable laws.
berlaku.
12. Menyelenggarakan RUPS tahunan sebagaimana diatur 12. Conducting the Annual GMS in accordance with banking
dalam peraturan perbankan serta perundang-undangan regulations, laws, and the Articles of Association, and being
dan Anggaran Dasar dan mempertanggungjawabkan accountable for the execution of its duties to the Board of
pelaksanaan tugasnya kepada Dewan Komisaris dan Commissioners and shareholders through the GMS.
pemegang saham melalui RUPS.
Penilaian Kinerja Organ dan Komite Pendukung di bawah Direksi
Performance Assessment of Supporting Organs and Committees under Board of Directors
Dalam menjalankan fungsi, tugas, dan tanggung jawab In carrying out its functions, duties, and responsibilities related
terkait pengelolaan Bank, Direksi turut dibantu oleh organ to the management of the Bank, the Board of Directors is
pendukung yang bersifat struktural maupun non struktural. assisted by both structural and non-structural supporting
Organ pendukung struktural Direksi terdiri dari Sekretaris organs. The structural supporting organs of the Board of
Perusahaan & PMO dan Satuan Kerja Audit Internal (SKAI), Directors consist of the Corporate Secretary & PMO and the
sementara organ pendukung non-struktural Direksi terdiri dari Internal Audit Work Unit (SKAI). Meanwhile, the non-structural
Komite Kredit, Komite Kebijakan Perkreditan, Komite Aktiva dan supporting organs include the Credit Committee, Credit Policy
Pasiva, Komite Manajemen Risiko, Komite Pengarah Teknologi Committee, Asset and Liability Committee, Risk Management
Informasi, Komite Produk. Committee, Information Technology Steering Committee,
Product Committee.
Direksi menilai bahwa seluruh organ pendukung Direksi, The Board of Directors assesses that all supporting organs, both
baik organ pendukung struktural maupun non-struktural structural and non-structural, have effectively carried out their
telah melaksanakan tugas dan tanggung jawabnya dengan duties and responsibilities. Additionally, the Board of Directors
baik. Direksi menilai bahwa seluruh organ pendukung telah recognizes that these supporting organs have significantly
membantu fungsi pengelolaan perusahaan dengan baik contributed to the Bank’s management function, enabling the
sehingga Bank mampu melalui dinamika yang terjadi pada Bank to successfully navigate business dynamics in 2025.
tahun 2025.
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Transparansi Informasi Terkait
Dewan Komisaris dan Direksi
● Transparency of Information Regarding the Board of
Commissioners and Board of Directors
Assessment Penerapan Dewan Komisaris dan Direksi selaku The Board of Commissioners and Board
organ utama Bank memiliki peran of Directors, as the Bank's primary
GCG untuk Aspek Dewan
penting bagi pertumbuhan bisnis Bank organs, play a crucial role in the Bank's
Komisaris dan Direksi
ke depan. future business growth.
GCG Implementation
Assessment for the Board of Berdasarkan hasil self-assessment Based on the results of its GCG
Commissioners and Board of penerapan GCG yang dilakukan, Bank implementation self-assessment for
Directors memperoleh nilai komposit 1,97 pada 2025, the Bank was able to obtain
semester 1 dan nilai komposit 1,66 pada a composite score of 1.97 in its first
semester 2 tahun 2025 dengan predikat semester and a composite score of 1.66
“BAIK”. Sementara, untuk aspek Dewan in its second semester, and came out
Komisaris dan Direksi dalam aspek with an overall rating of "GOOD." This
penilaian tersebut menunjukkan hasil assessment showcased good results
yang baik. Adapun rincian penerapan for the Board of Commissioners and
GCG untuk aspek Dewan Komisaris dan Board of Directors. The details of GCG
Direksi pada tahun 2025 adalah sebagai implementation from the Board of
berikut: Commissioners and Board of Directors
in 2025 are as follows:
Nama Status Persetujuan OJK Terkait Uji Kemampuan dan Kepatutan
Name Status OJK approval Regarding Fit and Proper Test
Ari Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No. KEP-24/PB.1/2021 tanggal 6 April 2021 tentang Hasil
Yanuanto Passed Penilaian Kemampuan dan Kepatutan Sdr. Ari Yanuanto Asah selaku Direktur Operasional dan IT PT Bank Harda Internasional
Asah Tbk.
Copy of the Decree of the Deputy Commissioner for Banking Supervision I of the Financial Services Authority (OJK) No.
KEP-24/PB.1/2021 dated April 6, 2021, concerning the Results of the Fit and Proper Test of Mr. Ari Yanuanto Asah, Director of
Operations and IT, PT Bank Harda Internasional Tbk.
Ganda Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No.KEP-70/PB.1/2021 tertanggal 14 Desember 2021
Raharja Passed tentang Hasil Penilaian Kemampuan dan Kepatutan Sdr. Ganda Raharja Rusli selaku Direktur Kepatuhan PT Allo Bank
Rusli Indonesia Tbk.
Copy of the Decree of the Deputy Commissioner for Banking Supervision I of the Financial Services Authority (OJK) No. KEP-
70/PB.1/2021 dated December 14, 2021 concerning the Results of the Fit and Proper Assessment of Mr. Ganda Raharja Rusli
as Compliance Director of PT Allo Bank Indonesia Tbk.
Sajal Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No.Kep-40/PB.1/2022 tertanggal 16 Agustus 2022 tentang
Bhatnagar Passed Hasil Penilaian Kemampuan dan Kepatutan Sdr. Sajal Bhatnagar selaku Direktur Digital PT Allo Bank Indonesia Tbk.
Copy of the Decision of the Deputy Commissioner for Banking Supervision I of the Financial Services Authority No. Kep-40/
PB.1/2022 dated August 16, 2022 concerning the Results of the Fit and Proper Assessment of Mr. Sajal Bhatnagar as Digital
Director of PT Allo Bank Indonesia Tbk.
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Hasil Assessment Penerapan GCG Aspek Dewan Komisaris dan
Direksi Tahun Buku 2025
Assessment results of the implementation of GCG for the Board of Commissioners and
Directors aspect for the fiscal year 2025
Penerapan Tahun Buku 2025
Achievements for the Fiscal Year 2025
Aspek Pengujian Bobot Klasifikasi Kualitas Pen-
Testing Aspects Weight Nilai Rating erapan GCG
Grade Rating Classification of GCG
Implementation Quality
Dewan Komisaris 7,5% 0,10 1,32 Sangat Baik
Board of Commissioners Excellent
Direksi 10% 0,18 1,80 Baik
Board of Directors Good
Nilai Komposit < 1,5 : Sangat Baik | 1,5 <= Nilai Komposit < 2,5 : Baik | 2,5 >= Nilai Komposit <3,5 : Cukup Baik | 3,5 >= Nilai Komposit < 4,5 : Kurang
Baik | 4,5 >= Nilai Komposit <= Tidak Baik
Composite Score < 1.5: Excellent | 1.5 <= Composite Score < 2.5: Good | 2.5 >= Composite Score < 3.5: Fairly Good | 3.5 >= Composite Score < 4.5:
Less Good | 4.5 >= Composite Score <= Poor
Penilaian Kinerja Dewan Komisaris dan Direksi
Performance Assessment of the Board of Commissioners and Board of Directors
Penilaian Kinerja Dewan Komisari Assessment of the Board of Commissioners’
Performance
Peraturan OJK No. 17 Tahun 2023 tentang Penerapan Tata OJK Regulation No. 17 of 2023 concerning the Implementation
Kelola Bagi Bank Umum dan Surat Edaran Otoritas Jasa of Governance for Conventional Bank and Financial Services
Keuangan No. 13/SEOJK.03/2017 tentang Penerapan Tata Authority Circular Letter No. 13/SEOJK.03/2017 require
Kelola bagi Bank Umum mewajibkan Bank Umum untuk Conventional Bank to conduct assessments of their governance
melakukan penilaian terhadap penerapan tata kelola. Untuk implementation. In compliance with these regulations, the Bank
itu, Bank senantiasa melakukan evaluasi secara rutin terhadap routinely conducts evaluations of the Board of Commissioners’
kinerja Dewan Komisaris yang dilakukan oleh Pemegang performance, which are carried out by shareholders during the
Saham dalam forum RUPS. GMS forum.
Evaluasi tersebut dilakukan dengan memperhatikan The evaluation is carried out by considering the competence,
kompetensi dan keahlian/pengalaman, kinerja Komite-Komite expertise/experience of the Board of Commissioners, the
Dewan Komisaris, efektivitas pelaksanaan tanggung jawab performance of the Board of Commissioners’ Committees, the
Dewan Komisaris, dan penilaian mandiri maupun penilaian effectiveness of the Board of Commissioners’ responsibilities,
rekan sejawat terhadap pelaksanaan fungsi pengawasan oleh as well as independent assessments and peer assessments
masing-masing anggota Dewan Komisaris. Hasil penilaian of the supervisory function performed by each Board of
atas aspek-aspek tersebut selanjutnya akan disimpulkan ke Commissioners member. The results of this assessment will
dalam laporan dan diajukan kepada pemegang saham melalui then be summarized in a report and submitted to shareholders
mekanisme RUPS. through the GMS mechanism.
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Penilaian Kinerja Direksi Assessment of the Board of Directors’
Performance
Undang-Undang No. 40 tahun 2007 tentang Perseroan Based on Law No. 40 of 2007 regarding Limited Liability
Terbatas mengatur bahwa dalam hal Direksi terdiri dari 2 Companies, if the Board of Directors consists of two or more
(dua) anggota Direksi atau lebih maka tanggung jawab Direksi members, their responsibility applies jointly and respectively.
berlaku secara tanggung renteng. Adapun prosedur penilaian There are two types of procedures for assessing the Board of
kriteria kinerja Direksi Bank terdiri dari 2 (dua) jenis, yaitu: Directors’ performance as follows:
1. Penilaian Kinerja oleh RUPS 1. Performance Assessment by GMS
Masing-masing Anggota Direksi akan dievaluasi setiap Each member of the Board of Directors will be evaluated
tahunnya oleh Dewan Komisaris untuk disampaikan annually by the Board of Commissioners to be presented
kepada Pemegang Saham dalam RUPS, berdasarkan to Shareholders at the GMS, based on the results of the
hasil kinerja keseluruhan dari tugas dan kewajiban Direksi overall performance of the duties and obligations of the
secara kolegial maupun individual. Hal ini menjadi salah Board of Directors both collegial and individual. This is a
satu bahan pertimbangan bagi pemegang saham untuk consideration for shareholders when dismissing and/or
memberhentikan dan/atau menunjuk kembali anggota reappointing members of the Board of Directors.
Direksi.
2. Prosedur Pelaksanaan Assessment Kinerja Direksi 2. Procedures for Implementing Directors’ Performance
Assessments
Self-assessment atau penilaian sendiri dilakukan oleh Self-assessment is carried out by each member of the
masing-masing anggota Direksi untuk menilai pelaksanaan Board of Directors to assess the implementation of the
kinerja Direksi secara kolegial, dan bukan menilai kinerja performance of the Board of Directors in a collegial
individual masing-masing anggota Direksi. Dengan adanya manner, and not to assess the individual performance of
self-assessment ini diharapkan masing-masing anggota each member of the Board of Directors. With this self-
Direksi dapat berkontribusi untuk memperbaiki kinerja assessment, it is expected that each member of the Board
Direksi secara berkesinambungan. of Directors can contribute to improving the performance
of the Board of Directors on an ongoing basis.
Prosedur penilaian kinerja Direksi melalui pelaksanaan self- The procedure for assessing the performance of the Board of
assessment GCG dilakukan pada bulan Juni dan Desember Directors through the implementation of a GCG self-assessment
setiap tahunnya yang berdasarkan pengelolaan Bank, is carried out in June and December each year based on the
pencapaian target, upaya penanggulangan kendala dan Bank’s management, target achievement, efforts to overcome
manajemen risiko, serta penerapan tata kelola perusahaan obstacles and risk management, as well as the implementation
yang dilakukan. Dewan komisaris akan mengevaluasi melalui of corporate governance. The Board of Commissioners will
rapat dengan Komite Remunerasi dan Nominasi kemudian evaluate it through meetings with the Remuneration and
hasilnya akan dilaporkan kepada pemegang saham dalam Nomination Committee and then the results will be reported to
RUPS Tahunan. shareholders at the Annual GMS.
Selanjutnya, Dewan Komisaris dan Direksi menyampaikan Furthermore, the Board of Commissioners and Directors submit
usulan persetujuan atas pencapaian kinerja Direksi dalam RUPS a proposal for approval of the performance achievements of
dan RUPS akan memberikan pembebasan tanggung jawab the Board of Directors at the GMS and the GMS will grant full
sepenuhnya kepada para anggota Direksi atas pengurusan release from responsibility to the members of the Board of
yang telah dijalankan selama tahun buku yang lalu, sejauh Directors for the management carried out during the previous
tindakan tersebut tercermin dalam Laporan Tahunan dan fiscal year, as long as these actions are reflected in the Annual
Laporan Keuangan, kecuali perbuatan penggelapan, penipuan Report and Financial Report, except embezzlement, fraud and
dan tindakan pidana lainnya. other criminal acts.
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Keberagaman Komposisi Dewan Komisaris dan Direksi
Diversity in Composition of Board of Commissioners and Board of Directors
Komposisi Dewan Komisaris dan Direksi Allo Bank disusun The composition of Allo Bank's Board of Commissioners and
dengan memperhatikan kebijakan keberagaman berdasarkan Board of Directors is built upon a diversity policy in mind, based
ketentuan Pemegang Saham dengan memperhatikan on Shareholder regulations, taking into account knowledge,
pengetahuan, usia, jenis kelamin, pendidikan dan pengalaman age, gender, education, and experience appropriate to the
yang sesuai dengan kebutuhan dari Bank, sehingga Bank's needs. This ensures an optimal composition of the
mendapatkan komposisi Dewan Komisaris dan Direksi yang Board of Commissioners and Board of Directors to enhance
optimal guna meningkatkan kinerja Bank ke depannya. the Bank's future performance.
Keberagaman komposisi Dewan Komisaris dan Direksi The diversity of the Board of Commissioners and Board of
merupakan bagian dari upaya dari Allo Bank untuk Directors is the Bank's endeavor to encourage a more objective,
mendorong proses pengambilan keputusan yang lebih comprehensive, and optimal decision-making process,
objektif, komprehensif, optimal, dan memiliki dampak positif positively impacting the Bank's oversight and management.
terhadap pengawasan dan pengelolaan Bank. Keberagaman Diverse composition of the Boards is expected to enrich the
komposisi ini diharapkan dapat memperkaya sudut pandang perspectives and interests within the decision-making process,
dan kepentingan dalam proses pengambilan keputusan, baik both within the Board of Commissioners and the Board
di tubuh Dewan Komisaris maupun Direksi, sehingga mampu of Directors, thereby providing added value to the Bank's
memberikan nilai tambah bagi aspek operasional dan usaha operations and business.
Bank.
Tabel Keberagaman Komposisi Dewan Komisaris dan Direksi Allo Bank
Table of Diversity of Allo Bank’s Board Composition
Pengalaman dan
Nama Kewarganegaraan Usia Gender Pendidikan Terakhir Keahlian
Name Citizenship Age Gender Highest Education Experience and
Expertise
Dewan Komisaris
Board of Commissioners
Aviliani Indonesia 64 Perempuan Doktor Manajemen Bisnis (S3) Manajemen
Komisaris Utama Independen Indonesian Female Ph.D. in Business Management Management
Independent President
Commissioner
Rosmaya Indonesia 66 Perempuan Magister Administrasi dan Administrasi dan
Komisaris Independen Indonesian Female Pengembangan SDM (S2) Pengembangan SDM
Independent Commissioner Master’s Degree in Administration Administration and HR
and HR Developmen Development
Ali Gunawan Indonesia 63 Laki-laki Sarjana Ekonomi Akuntansi (S1) Akuntansi
Komisaris Indonesian Male Bachelor’s Degree in Accounting Accounting
Commissioner
Direksi
Board of Directors
Ari Yanuanto Asah Indonesia 56 Laki-laki Magister Manajemen Sistem Sistem Informasi
Plt. Direktur Utama; Direktur Indonesian Male Informasi (S2) Information Systems
Keuangan, Operasional & Human Master’s Degree in Information
Capital Systems Management
Acting President Director;
Finance, Operations & Human
Capital Director
Ganda Raharja Rusli Indonesia 52 Laki-laki Sarjana Matematika (S1) Matematika
Direktur Risiko, Kepatuhan & Indonesian Male Bachelor’s Degree in Mathematics Mathematics
Hukum
Risk, Compliance & Legal Director
Sajal Bhatnagar India 38 Laki-laki Post Graduate Diploma di IIM Manajemen dan
Direktur Digital Indian Male Calcutta Strategi
Digital Director Post Graduate Diploma at IIM Management and
Calcutta Strategy
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Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
Rapat Dewan Komisaris dan Direksi
Meetings of the Board of Commissioners and Board of Directors
Rapat Dewan Komisaris Board of Commissioners Meeting
Berdasarkan BOC Charter, Dewan Komisaris dapat Based on the BOC Charter, the Board of Commissioners may
melaksanakan rapat secara berkala sekurang kurangnya hold regular meetings at least once every two months, or
sebanyak 1 (satu) kali dalam 2 (dua) bulan atau lebih jika dianggap more if deemed necessary by the Board of Commissioners.
perlu oleh Dewan Komisaris. Ketentuan tersebut mengatur This provision stipulates that all members of the Board of
bahwa Rapat Dewan Komisaris wajib dihadiri oleh seluruh Commissioners must physically attend meetings at least twice
anggota Dewan Komisaris secara fisik paling kurang 2 (dua) kali a year. Furthermore, the Board of Commissioners must hold
dalam setahun. Selain itu, Dewan Komisaris wajib mengadakan regular meetings with the Board of Directors at least once
rapat bersama Direksi secara berkala minimal 1 (satu) kali dalam every four months. All Board of Commissioners meetings, both
4 (empat) bulan. Seluruh rapat Dewan Komisaris, baik internal internal and joint meetings with the Board of Directors, are held
maupun rapat gabungan dengan Direksi, diadakan di tempat at the bank's domicile or the bank's principal place of business.
kedudukan Bank atau tempat kegiatan usaha utama Bank.
Rapat dapat dinyatakan sah dan berhak untuk mengambil A meeting is deemed valid and entitled to make binding
keputusan yang mengikat apabila dihadiri dan/atau diwakili decisions if attended and/or represented by more than ½ (one
lebih dari ½ (satu per dua) dari jumlah anggota Dewan half) of the total number of incumbent members of the Board
Komisaris yang sedang menjabat (kuorum). Keputusan rapat of Commissioners (quorum). Meeting decisions must be made
harus diambil berdasarkan musyawarah untuk mufakat. by deliberation to reach consensus. If a decision based on
Dalam hal keputusan berdasarkan musyawarah untuk mufakat deliberation to reach consensus is not reached, decisions are
tidak tercapai, maka keputusan dilakukan berdasarkan suara made by majority vote. The Board of Commissioners may also
terbanyak. Dewan Komisaris dapat juga mengambil keputusan make valid decisions without holding a meeting, provided that
yang sah tanpa mengadakan rapat, dengan ketentuan semua all members of the Board of Commissioners have been notified
anggota Dewan Komisaris telah diberitahu secara tertulis in writing of the proposed decision and all members of the
mengenai usul keputusan yang dimaksud dan semua anggota Board of Commissioners have approved the proposal in writing
Dewan Komisaris memberikan persetujuan mengenai usul by signing the circular.
yang diajukan secara tertulis dengan menandatangani sirkuler
tersebut.
Hasil rapat wajib dituangkan dalam risalah rapat, kemudian The results of the meeting must be recorded in minutes of the
ditandatangani oleh seluruh anggota Dewan Komisaris yang meeting, which must be signed by all members of the Board
hadir dan disampaikan kepada seluruh anggota Dewan of Commissioners present and distributed to all members of
Komisaris. Untuk rapat Dewan Komisaris bersama dengan the Board of Commissioners. For joint meetings of the Board
Direksi, risalah rapat ditandatangani oleh Direksi dan Dewan of Commissioners and the Board of Directors, the minutes of
Komisaris yang hadir dan disampaikan kepada seluruh Direksi the meeting must be signed by the Directors and the Board of
dan Dewan Komisaris. Commissioners present and distributed to all members of the
Board of Directors and the Board of Commissioners.
Perbedaan pendapat yang terjadi dalam rapat wajib Disagreements arising during the meeting must be clearly
dicantumkan secara jelas dalam risalah rapat beserta alasan stated in the minutes of the meeting, along with the reasons
perbedaan pendapat tersebut. Risalah rapat merupakan bukti for the disagreement. The minutes of the meeting serve as valid
sah, baik untuk para anggota Dewan Komisaris maupun pihak evidence for both members of the Board of Commissioners
lain mengenai keputusan yang diambil dalam rapat yang and other parties regarding the decisions made at the meeting.
bersangkutan. Risalah rapat juga wajib diadministrasikan The minutes of the meeting must also be properly administered
dengan baik oleh Sekretaris Perusahaan. by the Corporate Secretary.
Selama tahun 2025, Dewan Komisaris telah menyelenggarakan During 2025, the Board of Commissioners held 43 internal
Rapat Internal sebanyak 43 kali dan Rapat Gabungan bersama meetings and 12 joint meetings with the Board of Directors.
Direksi sebanyak 12 kali. Adapun risalah dan tingkat kehadiran The minutes and attendance of the Board of Commissioners at
Dewan Komisaris dalam rapat sepanjang tahun 2025 adalah meetings throughout 2025 are as follows:
sebagai berikut:
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Risalah dan Peserta Rapat Internal Dewan Komisaris Tahun 2025
Minutes and Participants of the 2025 Board of Commissioners Internal Meeting
Tanggal Rapat Agenda Rapat Peserta Rapat
No
Date Meeting Agenda Participants
1 8 Januari 2025 Pembahasan Revisi Recovery Plan 1. Aviliani
January 8, 2025 Discussion of Recovery Plan Revision 2. Rosmaya
3. Ali Gunawan
2 22 Januari 2025 Pembahasan TKB Allo Bank 1. Aviliani
January 22, 2025 Discussion of Allo Bank TKB 2. Rosmaya
3. Ali Gunawan
3 17 Februari 2025 Closing Meeting with KAP RSM Indonesia 1. Aviliani
February 17, 2025 2. Rosmaya
3. Ali Gunawan
4 23 April 2025 Pembahasan Laporan Manajemen dan Pengawasan Dewan Komisaris tentang Penyedia Jasa 1. Aviliani
April 23, 2025 Pembayaran (PJP) Posisi Desember 2024 2. Rosmaya
Discussion of the Board of Commissioners' Management and Supervisory Report on Payment 3. Ali Gunawan
Service Providers (PJP) for December 2024
5 9 April 2025 Permohonan Persetujuan SK Pengangkatan Direktur Bidang 1. Aviliani
April 9, 2025 Application for Approval of Decree for Appointment of Director of Field 2. Rosmaya
3. Ali Gunawan
6 5 Mei 2025 Pemaparan Rencana Write Off 1. Aviliani
May 5, 2025 Write Off Plan Presentation 2. Rosmaya
3. Ali Gunawan
7 5 Mei 2025 AML Forum untuk Dewan Komisaris dan Direksi 1. Aviliani
May 5, 2025 AML Forum for Board of Commissioners and Directors 2. Rosmaya
3. Ali Gunawan
8 14 Mei 2025 Pembahasan Kecerdasan Artificial Allo Bank 1. Aviliani
May 14, 2025 Discussion of Allo Bank Artificial Intelligence 2. Rosmaya
3. Ali Gunawan
9 28 Mei 2025 Permohonan Approval Penyesuaian Batasan Limit Segmen SME 1. Aviliani
May 28, 2025 Application for Approval of SME Segment Limit Adjustment 2. Rosmaya
3. Ali Gunawan
10 2 Juni 2025 Pembahasan Strategic Plan Wholesale & Treasury 1. Aviliani
June 2, 2025 Discussion of Wholesale & Treasury Strategic Plan 2. Rosmaya
3. Ali Gunawan
11 4 Juni 2025 Pembahasan Realisasi RBB (Digital Strategy) 1. Aviliani
June 4, 2025 Discussion of RBB Realization (Digital Strategy) 2. Rosmaya
3. Ali Gunawan
12 16 Juni 2025 Pembahasan Revisi Corporate Plan 2022-2026 dan RBB 2025-2027 1. Aviliani
June 16, 2025 Discussion of the Revised Corporate Plan 2022-2026 and RBB 2025-2027 2. Rosmaya
3. Ali Gunawan
13 30 Juni 2025 Pembahasan Update Perkembangan Digital Produk: 1. Aviliani
June 30, 2025 1. Evaluasi Produk Yang Telah Diluncurkan dan Business Performance 2. Rosmaya
2. Parameter Yang Digunakan Untuk Penilaian Produk Prioritas dan Linkage Dengan Target 3. Ali Gunawan
serta Strategi Bisnis
Discussion of Digital Product Development Updates:
1. Evaluation of Launched Products and Business Performance
2. Parameters Used to Assess Priority Products and Linkage to Targets and Business
Strategy
14 14 Juli 2025 Pembahasan Update Collection Business Process 1. Aviliani
July 14, 2025 Discussion of Update Collection Business Process 2. Rosmaya
3. Ali Gunawan
15 21 Juli 2025 Pembahasan Update Bisnis Performance (Non Digital Product) Q2 2025 dan Strategi 1. Aviliani
July 21, 2025 Pencapaian Target Pada Q3-Q4 2025 2. Rosmaya
Discussion of Business Performance Update (Non-Digital Products) Q2 2025 and Target 3. Ali Gunawan
Achievement Strategy in Q3-Q4 2025
16 21 Juli 2025 Penyampaian Hasil Self Assessment GCG semester I /2025 1. Aviliani
July 21, 2025 Submission of GCG Self-Assessment Results for Semester I/2025 2. Rosmaya
3. Ali Gunawan
17 28 Juli 2025 Pembahasan Update Bisnis Performance (Digital Product) Q2 2025 dan Strategi Pencapaian 1. Aviliani
July 28, 2025 Target Pada Q3-Q4 2025 2. Rosmaya
Discussion of the Business Performance Update (Digital Product) Q2 2025 and Strategy for 3. Ali Gunawan
Achieving Targets in Q3-Q4 2025
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Good Corporate Governance Sustainability Report Financial Statements
Tanggal Rapat Agenda Rapat Peserta Rapat
No
Date Meeting Agenda Participants
18 4 Agustus 2025 Pengajuan Batas Wewenang Memutus Kredit (BWMK) Inisiatif Baru 1. Aviliani
August 4, 2025 Submission of Credit Approval Authority Limit (BWMK) New Initiative 2. Rosmaya
3. Ali Gunawan
19 6 Agustus 2025 Pembahasan Customer Segmentation 1. Aviliani
August 6, 2025 Discussion of Customer Segmentation 2. Rosmaya
3. Ali Gunawan
20 6 Agustus 2025 Policy & Procedure Awareness Program 1. Aviliani
August 6, 2025 2. Rosmaya
3. Ali Gunawan
21 20 Agustus 2025 Pembahasan Update Rencana Pengembangan dan Security IT 1. Aviliani
August 20, 2025 Discussion of IT Development and Security Plan Update 2. Rosmaya
3. Ali Gunawan
22 25 Agustus 2025 Pembahasan Perubahan kebijakan Pengelolaan Aset Tetap dan Inventaris 1. Aviliani
August 25, 2025 Discussion of Changes to Fixed Asset and Inventory Management Policy 2. Rosmaya
3. Ali Gunawan
23 27 Agustus 2025 AML Forum untuk Dewan Komisaris dan Direksi 1. Aviliani
August 27, 2025 AML Forum for Boards of Commissioners and Directors 2. Rosmaya
3. Ali Gunawan
24 3 September 2025 Pembahasan Update Pelindungan Konsumen di Allo Bank (Sesuai POJK No. 22 Tahun 2023) 1. Aviliani
September 3, 2025 Discussion of Consumer Protection Updates at Allo Bank (In Accordance with POJK No. 22 of 2. Rosmaya
2023) 3. Ali Gunawan
25 3 September 2025 Pembahasan Produk Kredit Agunan Tunai 1. Aviliani
September 3, 2025 Discussion of Cash Collateral Credit Products 2. Rosmaya
3. Ali Gunawan
26 17 September 2025 Pembahasan Update Perkembangan 5 Debitur Wholesale Dengan Plafond Terbesar di Allo 1. Aviliani
September 17, 2025 Bank 2. Rosmaya
Discussion of the Update on the Development of 5 Wholesale Debtors with the Largest 3. Ali Gunawan
Ceilings at Allo Bank
27 22 September 2025 Pembahasan Update CKPN 1. Aviliani
September 22, 2025 Discussion of CKPN Update 2. Rosmaya
3. Ali Gunawan
28 29 September 2025 Pembahasan Update Customer Profile dan Data to Insight Bulan Agustus 2025 1. Aviliani
September 29, 2025 Discussion of Customer Profile Updates and Data to Insight for August 2025 2. Rosmaya
3. Ali Gunawan
29 1 Oktober 2025 Pembahasan Update Perkembangan Digital Business Partnership di Tahun 2025 1. Aviliani
October 1, 2025 Discussion of the Update on the Development of Digital Business Partnerships in 2025 2. Rosmaya
3. Ali Gunawan
30 9 Oktober 2025 Pembahasan Usulan Rencana Perubahan SK BOC untuk Kewenangan Limit Treasury 1. Aviliani
October 9, 2025 Discussion of the Proposed Plan to Change the BOC Decree for Treasury Limit Authority 2. Rosmaya
3. Ali Gunawan
31 15 Oktober 2025 Update Produk Allo Prime Untuk WNA 1. Aviliani
October 15, 2025 Allo Prime Product Update for Foreign Nationals 2. Rosmaya
3. Ali Gunawan
32 20 Oktober 2025 Pembahasan Perkembangan Collection Q3 2025 1. Aviliani
October 20, 2025 Discussion of Q3 2025 Collection Development 2. Rosmaya
3. Ali Gunawan
33 22 Oktober 2025 Izin Prinsip Penurunan Kewenangan dari Direktur ke Chief 1. Aviliani
October 22, 2025 Principle Permit for Delegation of Authority from Director to Chief 2. Rosmaya
3. Ali Gunawan
34 3 November 2025 Pembahasan Permohonan Penghapusan Aset Inventaris IT 1. Aviliani
November 3, 2025 Discussion of IT Inventory Asset Deletion Request 2. Rosmaya
3. Ali Gunawan
35 5 November 2025 Pembahasan Update Digital Funding 1. Aviliani
November 5, 2025 Discussion of Digital Funding Update 2. Rosmaya
3. Ali Gunawan
36 17 November 2025 Pembahasan Recovery Plan Tahun 2026 1. Aviliani
November 17, 2025 Discussion of the 2026 Recovery Plan 2. Rosmaya
3. Ali Gunawan
37 24 November 2025 Pembahasan Persetujuan Rencana Bisnis Bank (RBB) Tahun 2026-2028 1. Aviliani
November 24, 2025 Discussion of Approval of the Bank's Business Plan (RBB) for 2026-2028 2. Rosmaya
3. Ali Gunawan
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Tanggal Rapat Agenda Rapat Peserta Rapat
No
Date Meeting Agenda Participants
38 24 November 2025 Pembahasan Persiapan Exit Meeting Audit OJK 1. Aviliani
November 24, 2025 Discussion of Preparation for the OJK Audit Exit Meeting 2. Rosmaya
3. Ali Gunawan
39 1 Desember 2025 Pembahasan Strategi Lending Product Tahun 2026 1. Aviliani
December 1, 2025 Discussion of Lending Product Strategy for 2026 2. Rosmaya
3. Ali Gunawan
40 3 Desember 2025 Pembahasan Data to Insight October & November 2025 1. Aviliani
December 3, 2025 Data to Insight Discussion October & November 2025 2. Rosmaya
3. Ali Gunawan
41 15 Desember 2025 AML Forum untuk Dewan Komisaris dan Direksi 1. Aviliani
December 15, 2025 AML Forum for Boards of Commissioners and Directors 2. Rosmaya
3. Ali Gunawan
42 17 Desember 2025 Kesiapan IT Untuk Menghadapi End of Year (EOY) Tahun 2025 1. Aviliani
December 17, 2025 IT Readiness to Face End of Year (EOY) 2025 2. Rosmaya
3. Ali Gunawan
43 17 Desember 2025 Pembahasan Update Tindak Lanjut/Pemenuhan Komitmen Temuan OJK Tahun 2025 1. Aviliani
December 17, 2025 Discussion of the 2025 Update on Follow-Up/Fulfillment of OJK Findings Commitments 2. Rosmaya
3. Ali Gunawan
Risalah dan Peserta Rapat Gabungan Dewan Komisaris dan Direksi Tahun 2025
Minutes and Participants of the 2025 Joint Meeting of the Board of
Commissioners & Directors
Tanggal Rapat Agenda Rapat Peserta Rapat
No
Date Meeting Agenda Participants
1 13 Januari 2025 1. Makroeconomic Outlook; 1. Aviliani;
January 13, 2025 2. Retail Business Update; 2. Rosmaya;
3. Wholesale Business Update; 3. Ali Gunawan;
4. Kinerja Finansial Desember 2024 4. Indra Utoyo;
Financial Performance of December 2024; 5. Ari Yanuanto Asah;
5. Any Other Business. 6. Arief Tendeas;
7. Sajal Bhatnagar;
8. Ganda Raharja Rusli.
2 24 Februari 2024 1. Digital Business Update; 1. Aviliani;
February 24, 2024 2. Wholesale Banking Update; 2. Rosmaya;
3. Kinerja Finansial Januari 2025 3. Ali Gunawan;
Financial Performance of January 2025; 4. Indra Utoyo;
4. Any Other Business. 5. Ari Yanuanto Asah;
6. Arief Tendeas;
7. Sajal Bhatnagar;
8. Ganda Raharja Rusli.
3 17 Maret 2025 1. Retail Business Update; 1. Aviliani;
March 17, 2025 2. Wholesale Business Update; 2. Rosmaya;
3. Kinerja Finansial Februari 2025 3. Ali Gunawan;
Financial Performance of February 2025; 4. Indra Utoyo;
4. Any Other Business. 5. Ari Yanuanto Asah;
6. Arief Tendeas;
7. Sajal Bhatnagar;
8. Ganda Raharja Rusli.
4 21 April 2025 1. Macroeconomic Outlook; 1. Aviliani;
April 21, 2025 2. Retail Business Update; 2. Rosmaya;
3. Wholesale Business Update; 3. Ali Gunawan;
4. Kinerja Finansial Maret 2025 4. Indra Utoyo;
Financial Performance of March 2025; 5. Ari Yanuanto Asah;
5. Any Other Business. 6. Sajal Bhatnagar;
7. Ganda Raharja Rusli.
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Good Corporate Governance Sustainability Report Financial Statements
Tanggal Rapat Agenda Rapat Peserta Rapat
No
Date Meeting Agenda Participants
5 19 Mei 2025 1. Retail Business Update; 1. Aviliani;
May 19, 2025 2. Wholesale Business Update; 2. Rosmaya;
3. Kinerja Finansial April 2025 3. Ali Gunawan;
Financial Performance of March 2025; 4. Indra Utoyo;
4. Any Other Business. 5. Ari Yanuanto Asah;
6. Sajal Bhatnagar;
7. Ganda Raharja Rusli.
6 30 Juni 2025 1. Retail Business Update; 1. Aviliani;
June 30, 2025 2. Wholesale Business Update; 2. Rosmaya;
3. Kinerja Finansial Mei 2025 3. Ali Gunawan;
Financial Performance of May 2025; 4. Indra Utoyo;
4. Any Other Business. 5. Ari Yanuanto Asah;
6. Sajal Bhatnagar;
7. Ganda Raharja Rusli.
7 14 Juli 2025 1. Macroeconomic Update; 1. Aviliani;
July 14, 2025 2. Retail Business Update; 2. Rosmaya;
3. Wholesale Business Update; 3. Ali Gunawan;
4. Kinerja Finansial Juni 2025 4. Ari Yanuanto Asah;
Financial Performance of June 2025; 5. Sajal Bhatnagar;
5. Any Other Business. 6. Ganda Raharja Rusli.
8 4 Agustus 2025 1. Retail Business Update; 1. Aviliani;
August 4, 2025 2. Wholesale Business Update; 2. Rosmaya;
3. Kinerja Finansial Juli 2025 3. Ali Gunawan;
Financial Performance of July 2025; 4. Ari Yanuanto Asah;
4. Any Other Business. 5. Sajal Bhatnagar;
6. Ganda Raharja Rusli.
9 22 September 2025 1. Retail Business Update; 1. Aviliani;
September 22, 2025 2. Wholesale Business Update; 2. Rosmaya;
3. Kinerja Finansial Agustus 2025 3. Ali Gunawan;
Financial Performance of August 2025; 4. Ari Yanuanto Asah;
4. Any Other Business. 5. Sajal Bhatnagar;
6. Ganda Raharja Rusli.
10 27 Oktober 2025 1. Macroeconomic Update; 1. Aviliani;
October 27, 2025 2. Retail Business Update; 2. Rosmaya;
3. Wholesale Business Update; 3. Ali Gunawan;
4. Kinerja Finansial September 2025 4. Ari Yanuanto Asah;
Financial Performance of September 2025; 5. Sajal Bhatnagar;
5. Any Other Business. 6. Ganda Raharja Rusli.
11 17 November 2025 1. Retail Business Update; 1. Aviliani;
November 17, 2025 2. Wholesale Business Update; 2. Rosmaya;
3. Kinerja Finansial Oktober 2025 3. Ali Gunawan;
Financial Performance of October 2025; 4. Ari Yanuanto Asah;
4. Any Other Business. 5. Sajal Bhatnagar;
6. Ganda Raharja Rusli.
12 22 Desember 2025 1. Retail Business Update; 1. Aviliani;
December 22, 2025 2. Wholesale Business Update; 2. Rosmaya;
3. Kinerja Finansial November 2025 3. Ali Gunawan;
Financial Performance of November 2025; 4. Ari Yanuanto Asah;
4. Any Other Business. 5. Sajal Bhatnagar;
6. Ganda Raharja Rusli.
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Tingkat Kehadiran Dewan Komisaris dalam Rapat Internal dan
Rapat Bersama Direksi
Attendance Records of the Board of Commissioners in Internal Meetings and
Joint Meetings with the Board of Directors
Nama Jabatan Rapat Gabungan Dewan Rapat Internal Dewan Komisaris Jumlah Rapat Keseluruhan
Name Position Komisaris dengan Direksi Internal Meeting of the Board of Total Meeting
Joint Meeting of the Board of Commissio
Commissioners and
the Board of Directors
Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran
Total and (%) Attendance Total and (%) Attendance Total and (%) Attendance
Jumlah Jumlah % Jumlah Jumlah % Jumlah Jumlah %
Rapat Kehadiran Rapat Kehadiran Rapat Kehadiran
Number of Total Number of Total Number of Total
Meetings Attendance Meetings Attendance Meetings Attendance
Aviliani Komisaris Utama 12 12 100% 43 43 100% 55 55 100%
Independen
Independent
President
Commissioner
Rosmaya Komisaris 12 12 100% 43 43 100% 55 55 100%
Independen
Independent
Commissioner
Ali Komisaris 12 12 100% 43 43 100% 55 55 100%
Gunawan Commissioner
Rapat Direksi Board of Directors Meeting
Sebagaimana diatur dalam BOD Charter, Direksi dapat As stipulated in the BOD Charter, the Board of Directors may
menyelenggarakan rapat internal secara berkala minimal 1 hold regular internal meetings at least once a month, or more
(satu) kali dalam 1 (satu) bulan atau lebih jika dianggap perlu frequently if deemed necessary by the President Director or
oleh Direktur Utama atau anggota Direksi lainnya. Di samping other members of the Board of Directors. In addition, the Board
itu, Direksi wajib mengadakan rapat Direksi bersama dengan of Directors is required to hold regular joint meetings with the
Dewan Komisaris secara berkala sekurang-kurangnya sebanyak Board of Commissioners at least once every four months.
1 (satu) kali dalam 4 (empat) bulan.
Keputusan rapat Direksi diambil berdasarkan musyawarah Decisions at Board of Directors meetings are made based
untuk mufakat. Dalam hal keputusan berdasarkan musyawarah on deliberation to reach consensus. If a decision based on
untuk mufakat tidak tercapai, maka keputusan diambil dengan deliberation to reach consensus is not reached, decisions are
pemungutan suara berdasarkan suara setuju lebih dari ½ (satu made by voting based on affirmative votes of more than 1/2
per dua) dari jumlah suara yang dikeluarkan yang sah dalam (one-half) of the valid votes cast at the meeting.
rapat.
Sepanjang tahun 2025, Direksi telah menyelenggarakan Rapat Throughout 2025, the Board of Directors held 50
Internal sebanyak 50 kali dan Rapat Gabungan bersama Internal Meetings and 12 Joint Meetings with the Board of
Dewan Komisaris sebanyak 12 kali. Adapun risalah dan tingkat Commissioners. The minutes and attendance of the Board of
kehadiran Direksi dalam rapat di tahun 2025 adalah sebagai Directors at meetings in 2025 are as follows:
berikut:
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Risalah dan Peserta Rapat Internal Direksi Tahun 2025
Minutes and Participants of the 2025 Board of Directors Internal Meeting
Tanggal Agenda Peserta
No
Date Agenda Participants
1 7 Januari 2025 1. Policy & Procedure Update 1. Indra Utoyo
January 7, 2025 2. Compliance Update 2. Arief Tendeas
3. Treasury Update 3. Ari Yanuanto Asah
4. Growth Update 4. Ganda Raharja Rusli
5. CTBU & Offline Sales Update 5. Sajal Bhatnagar
6. Digital Non-Lending Product Update
7. Credit Risk Update
8. Partnership Update
2 14 Januari 2025 1. Digital Strategy Update 1. Indra Utoyo
January 14, 2025 2. Allo Bank Hangout 2. Arief Tendeas
3. Ari Yanuanto Asah
4. Ganda Raharja Rusli
5. Sajal Bhatnagar
3 21 Januari 2025 1. Risk Release Plan 1. Indra Utoyo
January 21, 2025 2. Policy & Procedure Update 2. Arief Tendeas
3. Digital Non-Lending Product Update 3. Ari Yanuanto Asah
4. Digital Lending Product Update 4. Ganda Raharja Rusli
5. Growth Update 5. Sajal Bhatnagar
6. Creative Lab Update
7. CTBU & Offline Sales Update
8. Partnership Update
9. Collection update
4 4 Februari 2025 1. Risk Weekly Dashboard & Release Plan 1. Indra Utoyo
February 4, 2025 2. EOMR Update 2. Arief Tendeas
3. IT Infrastructure Update 3. Ari Yanuanto Asah
4. Business Unit & Offline Sales Update 4. Ganda Raharja Rusli
5. Digital Lending Update 5. Sajal Bhatnagar
6. Digital Business Partnership Update
7. Digital Non-Lending Product Update
8. Digital Strategy Update
5 11 Februari 2025 1. Risk Weekly Report & Release Plan 1. Indra Utoyo
February 11, 2025 2. Business Partnership Update 2. Arief Tendeas
3. Growth Update 3. Ari Yanuanto Asah
4. Digital Non-Lending Product Update 4. Ganda Raharja Rusli
5. Approval secara prinsip untuk acara Allo Bank Festival 5. Sajal Bhatnagar
6 18 Februari 2025 1. Risk Release Plan 1. Indra Utoyo
February 18, 2025 2. Digital Strategy Update 2. Arief Tendeas
3. Business Partnership Update 3. Ari Yanuanto Asah
4. Digital Non-Lending Product Update 4. Ganda Raharja Rusli
5. Digital Lending Product Update 5. Sajal Bhatnagar
7 25 Februari 2025 1. Regular Risk Dashboard & Release Plan 1. Indra Utoyo
February 25, 2025 2. Policy & Procedure Update 2. Arief Tendeas
3. Digital Strategy Update 3. Ari Yanuanto Asah
4. Allo Bank Festival Update 4. Ganda Raharja Rusli
5. Bank Devisa Update 5. Sajal Bhatnagar
6. Business Unit & Offline Sales Update
7. Allo Bisnis Update
8. Digital Non-Lending Product Update
9. Business Partnership Update
10. IT Infrastructure & Operations Update
11. IT Security Update
8 4 Maret 2025 1. Risk Weekly Dashboard & Release Plan 1. Indra Utoyo
March 4, 2025 2. Business Unit & Offline Sales Update 2. Arief Tendeas
3. Process Management Update 3. Ari Yanuanto Asah
4. Growth Update 4. Ganda Raharja Rusli
5. Supply Chain Financing Update 5. Sajal Bhatnagar
6. Digital Strategy Update
7. Sprint E Development Plan
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Tanggal Agenda Peserta
No
Date Agenda Participants
9 11 Maret 2025 1. Weekly Risk Release Plan 1. Indra Utoyo
March 11, 2025 2. EOMR Update 2. Arief Tendeas
3. Cyber Risk Update 3. Ari Yanuanto Asah
4. Credit Risk Update 4. Ganda Raharja Rusli
5. CTBU & Offline Sales Update 5. Sajal Bhatnagar
6. Growth Update
7. Digital Strategy Update
8. Loan Operations Update
9. IT Infrastructure Update
10. Application Management Update
11. IT Security Update
12. Customer Care Update
13. Human Capital Update
10 18 Maret 2025 1. Weekly Risk Release 1. Indra Utoyo
March 18, 2025 2. Compliance Update 2. Arief Tendeas
3. Annual Review Risk Profile 3. Ari Yanuanto Asah
4. Partnership Update 4. Ganda Raharja Rusli
5. CTBU & Offline Sales 5. Sajal Bhatnagar
6. Supply Chain Financing Update
7. IT Security Update
11 25 Maret 2025 1. Risk Release Plan 1. Indra Utoyo
March 25, 2025 2. Risk Profile Update 2. Arief Tendeas
3. Digital Strategy Update 3. Ari Yanuanto Asah
4. Growth Update 4. Ganda Raharja Rusli
5. Partnership Update 5. Sajal Bhatnagar
6. Application Management Update
7. IT Infrastructure Update
12 8 April 2025 1. Weekly Release Plan 1. Indra Utoyo
April 8, 2025 2. CTBU & Offline Sales 2. Arief Tendeas
3. Ari Yanuanto Asah
4. Ganda Raharja Rusli
5. Sajal Bhatnagar
13 9 April 2025 1. RUPS 1. Indra Utoyo
April 9, 2025 2. Ari Yanuanto Asah
3. Ganda Raharja Rusli
4. Sajal Bhatnagar
14 15 April 2025 1. Credit Risk Update 1. Indra Utoyo
April 15, 2025 2. Cyber Risk Update 2. Ari Yanuanto Asah
3. CTBU & Offline Sales Update 3. Ganda Raharja Rusli
4. Tindak Lanjut RUPS
5. Stock Buyback
15 22 April 2025 1. Risk Release Plan 1. Indra Utoyo
April 22, 2025 2. Internal Control Over Financial Reporting 2. Ari Yanuanto Asah
3. Partnership Update 3. Ganda Raharja Rusli
4. CTBU & Offline Sales 4. Sajal Bhatnagar
5. Wholesale Funding Update
6. Marketing Budget
16 29 April 2025 1. Risk Release Plan 1. Indra Utoyo
April 29, 2025 2. Digital Strategy Update 2. Ari Yanuanto Asah
3. Growth Update 3. Ganda Raharja Rusli
4. BU Relations Update 4. Sajal Bhatnagar
5. IT Security Update
6. Supply Chain Financing Update
7. Marketing Media Update
8. Allo Bank Festival Update
17 6 Mei 2025 1. Risk Release Plan 1. Indra Utoyo
May 6, 2025 2. RDN Update 2. Ari Yanuanto Asah
3. PMO Update 3. Ganda Raharja Rusli
4. Digital Strategy Update 4. Sajal Bhatnagar
5. BU Relations Update
6. Partnership Update
7. Non-Lending Digital Product Update
18 14 Mei 2025 1. IT Infrastructure & Service Update 1. Indra Utoyo
May 14, 2025 2. Credit Risk Update 2. Ari Yanuanto Asah
3. Ganda Raharja Rusli
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Tanggal Agenda Peserta
No
Date Agenda Participants
19 20 Mei 2025 1. Risk Release Plan 1. Indra Utoyo
May 20, 2025 2. Compliance Update 2. Ari Yanuanto Asah
3. Treasury Update 3. Ganda Raharja Rusli
4. Digital Non-Lending Product Update 4. Sajal Bhatnagar
5. Digital Lending Product Update
6. Digital Strategy Update
7. Partnership Update
8. CTBU & Offline Sales Update
9. Application Management Update
20 27 Mei 2025 1. Risk Release Plan 1. Indra Utoyo
May 27, 2025 2. Anti-Fraud Update 2. Ari Yanuanto Asah
3. Policy & Procedure Update 3. Ganda Raharja Rusli
4. Wholesale Funding Update 4. Sajal Bhatnagar
5. Partnership Update
6. Growth Update
7. Digital Strategy Update
8. CTBU & Offline Sales Update
9. Human Capital & Services Update
21 3 Juni 2025 1. Risk Release Plan 1. Indra Utoyo
June 3, 2025 2. Digital Non-Lending Product Update 2. Ari Yanuanto Asah
3. Partnership Update 3. Ganda Raharja Rusli
4. Growth Update 4. Sajal Bhatnagar
5. Digital Strategy Update
6. CTBU & Offline Sales Update
22 10 Juni 2025 1. Digital Strategy Update 1. Indra Utoyo
June 10, 2025 2. Partnership Update 2. Ganda Raharja Rusli
3. CTBU & Offline Sales Update 3. Sajal Bhatnagar
4. IT Security Update
5. Risk Release Plan
23 17 Juni 2025 1. Risk Release Plan 1. Indra Utoyo
June 17, 2025 2. Compliance Update 2. Ari Yanuanto Asah
3. Legal Update 3. Ganda Raharja Rusli
4. Partnership UPdate 4. Sajal Bhatnagar
5. Digital Strategy Update
6. CTBU & Offline Sales
7. Value Chain Update
24 24 Juni 2025 1. Risk Release Plan & Digital Lending Performance Update 1. Indra Utoyo
June 24, 2025 2. EOMR Update 2. Ari Yanuanto Asah
3. Compliance Update 3. Ganda Raharja Rusli
4. Partnership Update 4. Sajal Bhatnagar
5. Digital Strategy Update
6. CTBU & Offline Sales Update
7. IT Strategy & Governance Update
25 1 Juli 2025 1. Risk Release Plan 1. Indra Utoyo
July 1, 2025 2. Digital Lending update 2. Ari Yanuanto Asah
3. Cyber Risk Update 3. Sajal Bhatnagar
4. Program Testing Approval 4. Ganda Raharja Rusli
5. Digital Strategy Update
6. Growth Update
7. CTBU & Offline Sales Update
8. IT Infrastructure & Operations Update
9. Allo Bank Festival Review
10. Loan Operations update
11. Finance Update
26 8 Juli 2025 1. Risk Release Plan 1. Indra Utoyo
July 8, 2025 2. Collection Update 2. Ari Yanuanto Asah
3. EOMR Update 3. Sajal Bhatnagar
4. Digital Strategy Update 4. Ganda Raharja Rusli
5. Partnership Update
6. CTBU & Offline Sales Update
7. Digital Product Update
8. Application Management Update
9. Network Operations Update
10. Allo Bank Update
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Tanggal Agenda Peserta
No
Date Agenda Participants
27 15 Juli 2025 1. Risk Release Plan 1. Ari Yanuanto Asah
July 15, 2025 2. Digital Lending Update 2. Sajal Bhatnagar
3. Process Management 3. Ganda Raharja Rusli
4. Cyber Risk Update
5. AML Update
6. Digital Strategy Update
7. CTBU & Offline Sales
8. Digital Product Update
9. Partnership Update
10. Application Management
28 22 Juli 2025 1. Credit Risk Update 1. Ari Yanuanto Asah
July 22, 2025 2.Digital Lending Update 2. Sajal Bhatnagar
3. AML Update 3. Ganda Raharja Rusli
4. Process Management Update
5. IT Strategy & Governance Update
6. Growth Update
7. Partnership Update
8. Digital Product Update
29 29 Juli 2025 1. Risk Release Update 1. Ari Yanuanto Asah
July 29, 2025 2. EOMR Update 2. Sajal Bhatnagar
3. Digital Strategy Update 3. Ganda Raharja Rusli
4. CTBU & Offline
5. Growth Update
6. Digital Product Update
7. Wholesale Transaction Banking Update
8. Collection Update
9. Credit Update
30 5 Agustus 2025 1. Risk Release Update 1. Ari Yanuanto Asah
August 5, 2025 2. Digital Lending Update 2. Sajal Bhatnagar
3. RUPSLB 3. Ganda Raharja Rusli
4. Partnership Update
5. CTBU & Offline Sales
6. Digital Onboarding Update
7. Allo Care Update
31 12 Agustus 2025 1. Credit Risk Update 1. Ari Yanuanto Asah
August 12, 2025 2. Credit Pipeline Update 2. Sajal Bhatnagar
3. Value Chain Update 3. Ganda Raharja Rusli
4. Cyber Risk Update
5. Partnership Update
6. Marketing & Communication Update
32 19 Agustus 2025 1. Credit Risk Update 1. Ari Yanuanto Asah
August 19, 2025 2. Wholesale Update 2. Sajal Bhatnagar
3. AML Update 3. Ganda Raharja Rusli
4. CTBU & Offline Sales Update
5. Digital Partnership Update
6. Partnership Update
7. Campaign Review
8. Digital Lending Update
33 26 Agustus 2025 1. Risk Release Plan 1. Ari Yanuanto Asah
August 26, 2025 2. Climate Risk Stress Test 2. Sajal Bhatnagar
3. Corporate Secretary Update 3. Ganda Raharja Rusli
4. Digital Strategy Update
5. CTBU & Offline Sales
6. Growth Update
7. Partnership Update
8. Collection Update
9. IT Infrastructure Update
10. Customer Care Update
34 2 September 2025 1. Risk Release Plan 1. Ari Yanuanto Asah
September 2, 2025 2. Cyber Risk Update 2. Sajal Bhatnagar
3. IT Infrastructure Update 3. Ganda Raharja Rusli
4. EOMR Update
5. Partnership Update
6. CTBU & Offline Sales Update
7. Growth Update
8. Digital Product Update
9. Digital Strategy Update
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Good Corporate Governance Sustainability Report Financial Statements
Tanggal Agenda Peserta
No
Date Agenda Participants
35 9 September 2025 1. Risk Release Plan 1. Ari Yanuanto Asah
September 9, 2025 2. Digital Product Update 2. Sajal Bhatnagar
3. Partnership Update 3. Ganda Raharja Rusli
4. Digital Strategy
5. CTBU & Offline Sales Update
6. Growth Update
7. Channeling Update
36 16 September 2025 1. Insiden COB 1. Ari Yanuanto Asah
September 16, 2025 2. Credit Risk Update 2. Sajal Bhatnagar
3. Partnership Update 3. Ganda Raharja Rusli
4. Digital Retail Lending Update
5. Wholesale Core Banking System Upgrade
6. Digital Product Update
7. Loan Operations Update
8. Customer Care Update
37 23 September 2025 1. Risk Release Plan 1. Ari Yanuanto Asah
September 23, 2025 2. Customer Care Update 2. Sajal Bhatnagar
3. Corporate Secretary Update 3. Ganda Raharja Rusli
4. Partnership Update
5. CTBU & Offline Sales Update
6. Growth Update
7. Digital Strategy Update
8. Auto Loan Update
38 30 September 2025 1. Risk Release Plan 1. Ari Yanuanto Asah
September 30, 2025 2. Cyber Risk Update 2. Sajal Bhatnagar
3. IT Infrastructure Update 3. Ganda Raharja Rusli
4. Digital Strategy Update
5. CTBU & Offline Sales Update
6. Partnership Update
7. Channeling Update
39 7 Oktober 2025 1. Corporate Secretary Update 1. Ari Yanuanto Asah
October 7, 2025 2. Allo Bank Festival Update 2. Sajal Bhatnagar
3. Partnership Update 3. Ganda Raharja Rusli
4. Digital Strategy update
5. Growth Update
6. CTBU & Offline Sales Update
7. Value Chain Update
8. Wholesale System Update
40 14 Oktober 2025 1. Risk Release Plan & Risk Performance 1. Ari Yanuanto Asah
October 4, 2025 2. Partnership Update 2. Ganda Raharja Rusli
3. Funding Update
4. Treasure Tour Pulse On
5. MVP Update
41 21 Oktober 2025 1. Risk Performance & Release Plan 1. Ari Yanuanto Asah
October 21, 2025 2. Share Buyback Update 2. Sajal Bhatnagar
3. Digital Strategy Update 3. Ganda Raharja Rusli
4. Partnership Update
5. IT Security Update
6. Chatbot Update
42 28 Oktober 2025 1. Risk Performance & Release Plan 1. Ari Yanuanto Asah
October 28, 2025 2. Digital Retail Lending Update 2. Sajal Bhatnagar
3. CTBU & Offline Sales Update 3. Ganda Raharja Rusli
4. Partnership Update
5. Growth Update
6. IT Infrastructure Update
7. RBB Update
8. Fraud Update
43 4 November 2025 1. Risk Release Plan & Risk Performance 1. Ari Yanuanto Asah
November 4, 2025 2. Digital Retail Lending Update 2. Sajal Bhatnagar
3. Digital Strategy Update 3. Ganda Raharja Rusli
4. Partnership Update
5. IT Security Update
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Tanggal Agenda Peserta
No
Date Agenda Participants
44 11 November 2025 1. Risk Release Plan & Risk Performance 1. Ari Yanuanto Asah
November 11, 2025 2. RBB Update 2. Sajal Bhatnagar
3. RAKB Update 3. Ganda Raharja Rusli
4. Annual Recovery Plan
5. Digital Strategy Update
6. CTBU & Offline Sales Update
7. Partnership Update
8. Human Capital Update
9. IT Infrastructure & Operations Update
45 18 November 2025 1. Partnership Update 1. Sajal Bhatnagar
November 18, 2025 2. Corporate Secretary Update 2. Ganda Raharja Rusli
3. IT Security Update
4. Digital Retail Lending Update
46 25 November 2025 1. Risk Release Plan & Risk Performance 1. Ari Yanuanto Asah
November 25, 2025 2. Fraud Update 2. Sajal Bhatnagar
3. LIK Update 3. Ganda Raharja Rusli
4. Product Update
5. Digital Strategy Update
6. CTBU & Offline Sales Update
7. Partnership Update
8. Digital Retail Lending Update
9. Human Capital Update
10. Customer Care Update
47 2 Desember 2025 1. FIR Update 1. Ari Yanuanto Asah
December 2, 2025 2. Risk Release Plan & Risk Performance 2. Sajal Bhatnagar
3. Allo Temu Update 3. Ganda Raharja Rusli
4. IT Strategy Update
5. Fraud Update
6. Corporate Secretary Update
7. Partnership Update
8. CTBU & Offline Sales Update
9. Digital Strategy Update
48 9 Desember 2025 1. Allo Temu Update 1. Ari Yanuanto Asah
December 9, 2025 2. Risk Release Plan & Risk Performance 2. Sajal Bhatnagar
3. Cyber Risk Update 3. Ganda Raharja Rusli
4. CTBU & Offline Sales Update
5. Digital Strategy Update
6. IT Development Management Update
7. Human Capital Update
49 16 Desember 2025 1. Risk Release Plan & Risk Performance 1. Ari Yanuanto Asah
December 16, 2025 2. Credit Risk Update 2. Sajal Bhatnagar
3. Product update 3. Ganda Raharja Rusli
4. Digital Strategy Update
5. Partnership Update
6. Growth Update
7. Human Capital Update
8. Collection Update
9. Customer Care Update
50 23 Desember 2025 1. Audit Update 1. Ari Yanuanto Asah
December 23, 2025 2. Human Capital Update 2. Sajal Bhatnagar
3. Product Update 3. Ganda Raharja Rusli
4. Growth Update
5. Partnership Update
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Tingkat Kehadiran Direksi dalam Rapat Internal dan Rapat bersama Dewan Komisaris
Attendance Records of the Board of Directors in Internal Meetings and Joint Meetings with
the Board of Commissioners
Rapat Gabungan Dewan
Komisaris dengan Direksi Rapat Internal Direksi
Jumlah Rapat Keseluruhan
Joint Meeting of the Board of Board of Directors Internal
Total Meeting
Commissioners and the Board Meeting
of Directors
Nama Jabatan
Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran
Name Position
Total and (%) Attendance Total and (%) Attendance Total and (%) Attendance
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Rapat Kehadiran Rapat Kehadiran Rapat Kehadiran
% % %
Number of Total Number of Total Number of Total
Meetings Attendance Meetings Attendance Meetings Attendance
Indra Direktur Utama 6 6 100% 26 26 100% 32 32 100%
Utoyo* President
Director
Ari Plt. Direktur 12 12 100% 50 48 96% 62 60 97%
Yanuanto Utama; Direktur
Asah Keuangan,
Operasional &
Human Capital
Acting President
Director; Finance,
Operations &
Human Capital
Director
Arief Direktur Bisnis 3 3 100% 12 12 100% 15 15 100%
Tendeas** Business Director
Ganda Direktur Risiko, 12 12 100% 50 50 100% 62 62 100%
Raharja Kepatuhan &
Rusli Hukum
Risk, Compliance
& Legal Director
Sajal Direktur Digital 12 12 100% 50 47 94% 62 59 95%
Bhatnagar Digital Director
*) Berhenti menjabat per 10 Juli 2025 | Resigned from office as of July 10, 2025.
**) Berhenti menjabat per 10 April 2025 | Resigned from office as of April 10, 2025.
Pengungkapan Hubungan Afiliasi antara Direksi, Dewan Komisaris dan Pemegang
Saham Utama dan/atau Pengendali
Disclosure of Affiliation Relationships between Board of Directors, Board of Commissioners, and
Major Shareholders and/or Controllers
Hubungan afiliasi antara Direksi, Dewan Komisaris dan Affiliate relationship between the Board of Directors, Board of
Pemegang Saham Allo Bank dapat dilihat dalam bentuk Commissioners and Bank Shareholders can be seen from the
hubungan keluarga, keuangan, kepemilikan saham dan nature of family, financial, share ownership and management
kepengurusan di perusahaan lain (rangkap jabatan) yang relationships in other companies (concurrent positions)
menimbulkan benturan kepentingan, termasuk di antaranya which give rise to conflicts of interest, including blood family
hubungan keluarga sedarah sampai dengan derajat ketiga, baik relationships up to the third degree, both in a straight line or
menurut garis lurus maupun garis ke samping atau hubungan sideways lines or cement relationships; or special relationships
semenda; atau hubungan istimewa yang muncul sebagai akibat that arise as a result of related party relationships.
dari hubungan pihak berelasi.
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Hubungan afiliasi anggota Dewan Komisaris dengan sesama The affiliate relationship of members of the Board of
anggota Dewan Komisaris dan/atau anggota Direksi serta Commissioners with fellow members of the Board of
Pemegang Saham Utama/Pengendali sampai dengan entitas Commissioners and/or members of the Board of Directors as
pemilik akhir dapat dilihat sebagai berikut: well as Major/Controlling Shareholders up to the final owner
entity can be seen as follows:
Hubungan Afiliasi
Affiliate Relations
Nama
Name Pemegang Saham Utama/
Dewan Komisaris Direksi
Pengendali
Board of Commissioners Board of Directors
Major/Controlling Shareholder
Dewan Komisaris
Board of Commissioners
Aviliani
× × ×
Rosmaya
× × ×
Ali Gunawan
× × ×
Direksi
Board of Directors
Ari Yanuanto Asah
× × ×
Ganda Raharja Rusli
× × ×
Sajal Bhatnagar
× × ×
Keterangan | Description:
✓ = terdapat adanya hubungan | has relationship
× = tidak terdapat adanya hubungan | has no relationship
Pengungkapan Rangkap Jabatan Dewan Komisaris dan Direksi
Disclosure of Concurrent Positions of Board of Commissioners and Board of Directors
Rangkap Jabatan Dewan Komisaris Concurrent Positions of Board of Commissioners
BOC Charter senantiasa mengatur ketentuan terkait rangkap The BOC Charter regulates provisions related to concurrent
jabatan anggota Dewan Komisaris untuk memastikan positions of Board of Commissioners members to ensure
pelaksanaan fungsi pengawasan dan pemberian nasihat that their supervisory and advisory functions in corporate
atas pengelolaan perusahaan dapat berjalan secara optimal. management are carried out optimally. The concurrent position
Adapun kebijakan rangkap jabatan yang diatur dalam BOC policies regulated in the BOC Charter include:
Charter, antara lain:
1. Komisaris dilarang melakukan rangkap jabatan sebagai 1. Commissioners are prohibited from holding concurrent
anggota Direksi, anggota Dewan Komisaris dan/atau positions as members of the Board of Directors, members
Pejabat Eksekutif dalam: of the Board of Commissioners and/or Executive Officers in:
a. Lembaga keuangan atau perusahaan keuangan, baik a. Financial institutions or financial companies, whether
Bank maupun bukan Bank, atau banks or non-banks, or
b. Lebih dari 1 (satu) lembaga bukan keuangan atau b. More than 1 (one) non-financial institution or non-
perusahaan bukan keuangan, baik yang berkedudukan financial company, either domiciled at home or abroad.
di dalam maupun di luar negeri.
2. Komisaris hanya dapat merangkap jabatan sebagai anggota 2. Commissioners can only hold concurrent positions as
Direksi, anggota Dewan Komisaris dan Pejabat Eksekutif members of the Board of Directors, members of the Board
pada: of Commissioners and Executive Officers when:
a. 1 (satu) lembaga/perusahaan bukan lembaga keuangan, a. 1 (one) non-financial institution/company, or
atau
b. 1 (satu) perusahaan anak bukan Bank yang dikendalikan b. 1 (one) non-Bank subsidiary company controlled by the
oleh Bank. Bank.
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3. Tidak termasuk rangkap jabatan, apabila: 3. Not including concurrent positions, if:
a. Komisaris Non Independen menjalankan tugas a. Non-Independent Commissioners carry out the
fungsional dari pemegang saham Bank yang berbentuk functional duties of Bank shareholders in the form of
badan hukum pada kelompok usahanya; dan/atau legal entities in their business groups; and/or
b. Komisaris menduduki jabatan pada organisasi atau b. Commissioners hold positions in non-profit
lembaga nirlaba, sepanjang yang bersangkutan tidak organizations or institutions, as long as the person
mengabaikan pelaksanaan tugas dan tanggung jawab concerned does not neglect the implementation of their
sebagai anggota Dewan Komisaris Bank. duties and responsibilities as a member of the Bank’s
Board of Commissioners.
Nama Rangkap Jabatan di Perseroan/Instansi Lain
Name Concurrent Positions at Other Companies/Institutions
Aviliani Komisaris Independen PT Aplikanusa Lintasarta.
Independent Commissioner of PT Aplikanusa Lintasarta.
Rosmaya Komisaris PT Rintis Sejahtera.
Anggota Dewan Pengawas Independen ASPI.
Commissioner of PT Rintis Sejahtera.
Member of the Independent Supervisory Board of ASPI.
Ali Gunawan Direktur PT CT Corpora;
Direktur PT Mega Corpora;
Direktur PT Trans Kalla Makassar;
Direktur PT Trans Retail;
Komisaris PT Para Bali Propertindo;
Komisaris PT Trans Media Corpora;
Komisaris PT Trans Cibubur Properti;
Komisaris Utama PT Mega Asset Management;
Komisaris PT Alfa Retailindo.
Director of PT CT Corpora;
Director of PT Mega Corpora;
Director of PT Trans Kalla Makassar;
Director of PT Trans Retail;
Commissioner of PT Para Bali Propertindo;
Commissioner of PT Trans Media Corpora;
Commissioner of PT Trans Cibubur Properti;
President Commissioner of PT Mega Asset Management;
Commissioner of PT Alfa Retailindo.
Di tahun 2025, terdapat 3 (tiga) anggota Dewan Komisaris In 2025, there were 3 (three) members of the Board of
yang memiliki rangkap jabatan, namun hal ini tidak melanggar Commissioners who held dual positions. However, this did
ketentuan yang dimuat dalam Anggaran Dasar Bank dan not violate the provisions contained in the Bank's Articles of
peraturan yang berlaku. Association and applicable regulations.
Rangkap Jabatan Direksi
Concurrent Position of Board of Directors
Ketentuan rangkap jabatan anggota Direksi diatur dalam BOD The provisions for concurrent positions held by members of the
Charter tentang Rangkap Jabatan Direksi, mencakup: Board of Directors are regulated in the BOD Charter concerning
Concurrent Positions of Directors, including:
1. Anggota Direksi dilarang merangkap jabatan sebagai 1. Members of the Board of Directors are prohibited from
anggota Direksi, anggota Dewan Komisaris atau Pejabat holding concurrent positions as members of the Board
Eksekutif pada bank, perusahaan dan/atau lembaga lain. of Directors, members of the Board of Commissioners,
or Executive Officers at other banks, companies, and/or
institutions.
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2. Tidak termasuk rangkap jabatan dalam hal Direksi yang 2. Concurrent positions are not considered when a Director
bertanggung jawab terhadap pengawasan atas penyertaan responsible for overseeing the Bank's investment in a
Bank pada perusahaan anak, menjalankan tugas fungsional subsidiary carries out functional duties as a member of
menjadi anggota Dewan Komisaris pada perusahaan anak the Board of Commissioners at a non-bank subsidiary
bukan bank yang dikendalikan oleh Bank, sepanjang controlled by the Bank, as long as this does not result in
tidak mengakibatkan yang bersangkutan mengabaikan the individual neglecting the performance of their duties
pelaksanaan tugas dan tanggung jawab sebagai anggota and responsibilities as a member of the Bank's Board of
Direksi Bank. Directors.
Nama Rangkap Jabatan di Perseroan/Instansi Lain
Name Concurrent Positions at Other Companies/Institutions
Ari Yanuanto Asah
×
Ganda Raharja Rusli
×
Sajal Bhatnagar
×
Di tahun 2025, seluruh anggota Direksi tidak memiliki rangkap In 2025, all members of the Board of Directors did not hold
jabatan di Bank, perusahaan, maupun lembaga lainnya. concurrent positions in banks, companies, or other institutions.
Pengungkapan Kepemilikan Saham Dewan Komisaris dan Direksi
Disclosure of Share Ownership of the Board of Commissioners and Directors
Saham Allo Bank Saham Perusahaan Lain >5%
Nama Allo Bank Shares Other Company Shares >5%
Name Nilai Persen Nilai Persen
Shares Percent Shares Percent
Dewan Komisaris
Board of Commissioners
Aviliani - - Nihil -
Nil
Rosmaya - - Nihil -
Nil
Ali Gunawan 10.238.900 0,047 Nihil -
Nil
Direksi
Board of Directors
Ari Yanuanto Asah - - Nihil -
Nil
Ganda Raharja Rusli 85.784 0,00 Nihil -
Nil
Sajal Bhatnagar - - Nihil -
Nil
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Kebijakan Nominasi dan Remunerasi
Dewan Komisaris dan Direksi
● Nomination and Remuneration Policy of Boards of
Commissioners and Directors
Pemegang saham memiliki kewenangan Shareholders have the authority to
untuk mengangkat dan memberhentikan appoint and dismiss members of
anggota Dewan Komisaris dan Direksi the Board of Commissioners and
melalui mekanisme RUPS. Pemegang Board of Directors through the GMS.
saham juga berwenang untuk Shareholders also have the authority
mendelegasikan penetapan besaran to delegate the determination of
remunerasi bagi anggota Dewan remuneration for members of the Board
Komisaris dan Direksi kepada Dewan of Commissioners and Board of Directors
Komisaris dengan mempertimbangkan to the Board of Commissioners, taking
rekomendasi dari Komite Remunerasi into account recommendations from
dan Nominasi. the Remuneration and Nomination
Committee.
Prosedur Nominasi Dewan Bank telah menetapkan sejumlah The Bank has established several
kriteria bagi anggota Dewan Komisaris criteria for members of the Board
Komisaris dan Direksi
dan Direksi sesuai dengan ketentuan of Commissioners and Board of
Nomination Procedures for Directors in accordance with applicable
yang berlaku. Calon anggota Dewan
the Board of Commissioners Komisaris dan Direksi dapat berasal dari regulations. Candidates for members
and Directors pemegang saham pengendali atau dari of the Board of Commissioners and
sumber-sumber lainnya. Setiap calon Board of Directors may come from
yang dinominasikan akan dikaji oleh controlling shareholders or from other
Komite Remunerasi dan Nominasi untuk sources. Each nominated candidate
disampaikan kepada Dewan Komisaris will be reviewed by the Remuneration
lalu diusulkan kepada Pemegang Saham. and Nomination Committee, submitted
Penetapan calon yang dinominasikan to the Board of Commissioners, and
dilakukan melalui mekanisme RUPS then proposed to the Shareholders. The
untuk kemudian mengikuti tahapan nomination of candidates is determined
selanjutnya, yaitu uji kepatutan dan through the GMS mechanism, which
kelayakan yang dilakukan oleh OJK. then proceeds to the next stage, namely
the fit and proper test conducted by the
Financial Services Authority (OJK).
Kebijakan Remunerasi Bank menetapkan besaran remunerasi The Bank determines the remuneration
bagi Dewan Komisaris dan Direksi for the Board of Commissioners and
Dewan Komisaris dan
berdasarkan Keputusan RUPS setiap Board of Directors based on the Annual
Direksi
tahunnya. Besaran remunerasi serta General Meeting of Shareholders (GMS)
Remuneration Policy for fasilitas lain yang diberikan bagi Dewan Resolution. The amount of remuneration
Board of Commissioners and Komisaris akan ditetapkan di dalam and other benefits provided to the Board
Directors RUPS Tahunan oleh Pemegang Saham of Commissioners will be determined
dengan memperhatikan rekomendasi at the Annual General Meeting of
dari Komite Remunerasi dan Nominasi. Shareholders by Shareholders, taking
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Prosedur penetapan remunerasi bagi Dewan Komisaris dan into account the recommendations of the Remuneration and
Direksi terdiri dari: Nomination Committee. The procedures for determining
remuneration for the Board of Commissioners and Board of
Directors consist of:
1. Pemegang Saham melakukan pembahasan pada RUPS. 1. The Shareholders conduct discussions at the GMS.
2. RUPS memberikan wewenang dan kuasa kepada Dewan 2. The GMS delegates authority to the Board of Commissioners
Komisaris untuk menetapkan besaran remunerasi. to determine the amount of remuneration.
3. Komite Remunerasi dan Nominasi melakukan kajian 3. The Remuneration and Nomination Committee conducts a
dan evaluasi untuk menentukan remunerasi bagi Dewan study and evaluation to determine the remuneration for the
Komisaris. Board of Commissioners.
4. Komite Remunerasi dan Nominasi memberikan rekomendasi 4. The Remuneration and Nomination Committee provides
kepada Dewan Komisaris. recommendations to the Board of Commissioners.
5. Dewan Komisaris melakukan pembahasan atas usulan 5. The Board of Commissioners discusses the recommendations
Komite Remunerasi dan Nominasi untuk kemudian diusulkan from the Remuneration and Nomination Committee and
melalui surat kepada Pemegang Saham Pengendali. proposes them to the Controlling Shareholders through a
letter.
6. Surat Penetapan oleh Pemegang Saham Pengendali 6. The Controlling Shareholders issue a Letter of Appointment
kepada Dewan Komisaris. to the Board of Commissioners.
7. Surat Dewan Komisaris kepada Direksi tentang Penetapan 7. The Board of Commissioners issues a letter to the Directors
Remunerasi Dewan Komisaris dan Direksi. regarding the determination of remuneration for the Board
of Commissioners and Directors.
Struktur Remunerasi Masing-Masing Anggota Dewan Komisaris dan Direksi
Remuneration Structure for Members of the Board of Commissioners and Directors
Kebijakan Remunerasi Dewan Komisaris dan Direksi Bank The implementation of the remuneration policy for the Board of
senantiasa mengacu pada ketentuan Peraturan OJK No. Commissioners and Board of Directors refers to the provisions
45/POJK.03/2015 tentang Penerapan Tata Kelola dalam of OJK Regulation No. 45/POJK.03/2015 regarding the
Pemberian Remunerasi bagi Bank Umum serta Surat Edaran Implementation of Governance in Providing Remuneration
OJK No. 40/SEOJK.03/2016 tentang Penerapan Tata Kelola for Conventional Bank and OJK Circular Letter No. 40/
dalam Pemberian Remunerasi Bank Umum. Berdasarkan SEOJK.03/2016 regarding the Implementation of Governance
kebijakan tersebut, Dewan Komisaris dan Direksi menerima in Providing Remuneration for Conventional Bank. Based on
paket remunerasi yang terdiri dari: the policy, the Board of Commissioners and Board of Directors
receive a remuneration package consisting of:
1. Remunerasi yang bersifat tetap, yaitu remunerasi yang tidak 1. Fixed remuneration, which is not related to performance
dikaitkan dengan kinerja dan risiko, antara lain honorarium and risk, including honorarium and holiday allowances.
dan tunjangan hari raya.
2. Remunerasi yang bersifat variabel, yaitu Remunerasi yang 2. Variable remuneration, which is linked to performance and
dikaitkan dengan kinerja dan risiko, antara lain jasa produksi risk, including production fees or equivalent forms.
atau bentuk lainnya yang dipersamakan dengan itu.
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Jenis Remunerasi dan Fasilitas
Types of Remuneration and Facilities
Remunerasi Bulanan
(Dalam 1 Tahun) THR
Nama Jabatan Monthly Remuneration Religious Tantiem
Name Position (Within 1 Year) Holiday Bonus
Honorarium Tunjangan Allowance
Honorarium Allowance
Dewan Komisaris
Board of Commissioners
Aviliani Komisaris Utama
Independen
✓ ✓ ✓ ✓
Independent President
Commissioner
Rosmaya Komisaris Independen
Independent
✓ ✓ ✓ ✓
Commissioner
Ali Gunawan Komisaris
Commissioner
✓ ✓ ✓ ✓
Direksi
Board of Directors
Indra Utoyo* Direktur Utama
President Director
✓ ✓ ✓ ✓
Ari Yanuanto Asah Plt. Direktur Utama
Acting President Director
✓ ✓ ✓ ✓
Arief Tendeas** Direktur Bisnis
Business Director
✓ ✓ ✓ ✓
Ganda Raharja Rusli Direktur Risiko, Kepatuhan
& Hukum
✓ ✓ ✓ ✓
Risk, Compliance & Legal
Director
Sajal Bhatnagar Direktur Digital
Digital Director
✓ ✓ ✓ ✓
✓ = ada | Yes
× = Tidak ada | No
*) Berhenti menjabat per 10 Juli 2025 | Resigned from office on July 10, 2025.
**) Berhenti menjabat per 10 April 2025 | Resigned from office on April 10, 2025.
Di tahun 2025, jumlah remunerasi yang diterima Dewan In 2025, the amount of remuneration received by the Board
Komisaris adalah sebesar Rp6.087.812.507,- dan jumlah of Commissioners is IDR6,087,812,507,- and the amount
remunerasi Direksi adalah sebesar Rp13.157.538.273,- of remuneration received by the Board of Directors is
IDR13,157,538,273,-.
Remunerasi yang Didapat pada Tahun Buku
Remuneration Received in the Fiscal Year
Jumlah Remunerasi per Orang dalam Tahun 2025 Direktur Komisaris
Total Remuneration per Person in 2025 Board of Directors Board of Commissioners
Di atas Rp2 miliar 4 1
Above IDR2 billion
Di atas Rp1 miliar s.d. Rp2 miliar - 2
Between IDR1 to IDR2 billion
Di atas Rp500 juta s.d. Rp1 miliar 1 -
Between IDR500 million to IDR1 billion
Rp500 juta ke bawah - -
Under IDR500 million
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Remunerasi yang Bersifat Variabel bagi Karyawan
Variable Remuneration for Employees
Jumlah Diterima dalam 1 Tahun oleh Karyawan
Amoun Received by Employees in 1 Year
Remunerasi yang Bersifat
Variabel 2025 2024
Variable Remuneration
Orang Rp (Juta) Orang Rp (Juta)
People IDR (million) People IDR (million)
Jumlah 279 5.371 Nihil Nihil
Total Nil Nil
Remunerasi yang Bersifat Variabel yang Ditangguhkan
Deferred Variable Remuneration
Total remunerasi variabel yang ditangguhkan, yang terdiri The total deferred variable remuneration, consisting of payments
dari pembayaran dalam bentuk tunai dan/atau saham atau in cash and/or shares or share-based instruments issued by Allo
instrumen berbasis saham yang diterbitkan oleh Allo Bank, Bank and applied to the 2025 payment, is as follows:
dan diterapkan untuk pembayaran tahun 2025, adalah sebagai
berikut:
Jenis Remunerasi Jumlah (dalam IDR atau % dari Remunerasi Variabel) Skema Pembayaran
Types of Remuneration Amount (in IDR or % of Variable Remuneration) Payment Scheme
Tunai yang Ditangguhkan Nihil Nihil
Deferred Cash Nil Nil
Saham Allo Bank Nihil Nihil
Allo Bank Shares Nil Nil
Rasio Gaji
Salary Ratio
Uraian Rasio
Description Ratio
Gaji Pegawai tertinggi dan terendah 29,96 x
The highest and lowest Employee salaries
Gaji Direksi tertinggi dan terendah 2,00 x
The highest and lowest Directors salaries
Gaji Komisaris tertinggi dan terendah 1,46 x
The highest and lowest Commissioners salaries
Gaji Direktur tertinggi dan Pegawai tertinggi 2,16 x
The highest Directors and Employees salaries
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Organ Pendukung
Dewan Komisaris
● Board of Commissioners Supporting Organ
Dewan Komisaris senantiasa dibantu The Board of Commissioners is
oleh 3 (tiga) Komite di bawah Dewan consistently assisted by three committees
Komisaris, yaitu Komite Audit, under the Board of Commissioners: the
Komite Pemantau Risiko, serta Audit Committee, the Risk Oversight
Komite Remunerasi dan Nominasi. Committee, and the Remuneration
Pembentukan komite tersebut ditujukan and Nomination Committee. These
untuk membantu Dewan Komisaris committees are established to assist the
dalam melaksanakan tugas pengawasan. Board of Commissioners in carrying out
its supervisory duties.
Komite Audit Komite Audit merupakan organ The Audit Committee is a supporting
pendukung yang bertugas untuk organ tasked with supporting the
Audit Committee
mendukung pelaksanaan tugas Dewan implementation of the Board of
Komisaris dalam memantau dan Commissioners' duties in monitoring
mengevaluasi perencanaan maupun and evaluating the planning and
pelaksanaan audit dan kecukupan implementation of audits and the
proses laporan pelaporan keuangan adequacy of the financial reporting
termasuk memberikan rekomendasi process, including providing
penunjukan akuntan publik serta recommendations for the appointment
melakukan pengawasan terhadap of public accountants and supervising
efektivitasnya. their effectiveness.
Dasar Hukum Legal Basis
Pembentukan Komite Audit mengacu The formation of the Audit Committee
pada peraturan perundang-undangan refers to the laws and regulations
dan best practice yang diterapkan di and best practices applied in banking
lembaga perbankan di Indonesia, di institutions in Indonesia, including:
antaranya:
1. Peraturan Otoritas Jasa 1. Financial Services Authority
Keuangan (“POJK”) POJK No. 33/ Regulation (“POJK”) POJK No. 33/
POJK.04/2014 tanggal 8 Desember POJK.04/2014 dated December 8,
2014 tentang Direksi dan Dewan 2014 concerning the Directors and
Komisaris Emiten atau Perusahaan Board of Commissioners of Issuers
Publik. or Public Companies.
2. POJK No. 17/POJK.03/2023 2. POJK No. 17/POJK.03/2023 dated
tanggal 14 September 2023 tentang September 14, 2023 concerning
Penerapan Tata Kelola bagi Bank Implementation of Governance for
Umum. Conventional Bank.
3. POJK No. 13/POJK.03/2017 tanggal 3. POJK No. 13/POJK.03/2017 dated
27 Maret 2017 tentang Penggunaan March 27, 2017 concerning the Use
Jasa Akuntan Publik dan Kantor of Public Accounting Services and
Akuntan Publik dalam Kegiatan Jasa Public Accounting Firms in Financial
Keuangan. Services Activities.
4. 4POJK No. 1/POJK.03/2019 tanggal 4. POJK No. 1/POJK.03/2019 dated
28 Januari 2019 tentang Penerapan January 28, 2019 concerning
Fungsi Audit Intern pada Bank Implementation of the Internal Audit
Umum. Function in Conventional Bank.
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5. SEOJK No. 36/SEOJK.03/2017 tentang Tata Cara 5. SEOJK No. 36/SEOJK.03/2017 concerning Procedures
Penggunaan Jasa Akuntan Publik dan Kantor Akuntan for Using the Services of Public Accountants and Public
Publik dalam Kegiatan Jasa Keuangan. Accounting Firms in Financial Services Activities.
6. Anggaran Dasar Bank. 6. Bank Articles of Association.
Tujuan Pembentukan Komite Audit Purpose of Establishing the Audit Committee
Bank membentuk Komite Audit dengan tujuan untuk: The Bank established an Audit Committee to:
1. Membantu/mendukung efektivitas pelaksanaan tugas 1. Assist/support the effectiveness of the Board of
Dewan Komisaris dalam melakukan pengawasan atas Commissioners’ supervisory duties over the management
pengelolaan perusahaan oleh Direksi. of the company by the Board of Directors.
2. Melakukan pengawasan dan evaluasi atas penerapan fungsi 2. Supervise and evaluate the implementation of internal and
audit internal dan eksternal, serta kecukupan pengendalian external audit functions, the adequacy of internal controls
internal pada proses pelaporan keuangan. on financial reporting processes.
3. Memberikan rekomendasi penunjukan Kantor Akuntan 3. Provide recommendations for the appointment of Public
Publik kepada Dewan Komisaris. Accountant Firm to the Board of Commissioners.
Pedoman Kerja: Piagam Komite Audit Work Guidelines: Audit Committee Charter
Komite Audit melaksanakan tugas dan tanggung jawabnya The Audit Committee performs its duties and responsibilities in
dalam melakukan pengawasan terhadap pengendalian internal supervising internal control by adhering to the Audit Committee
dengan mengacu kepada Piagam Komite Audit. Piagam Komite Charter. The Audit Committee Charter and the Allo Bank
Audit dan Kode Etik Komite Audit Allo Bank telah disesuaikan Audit Committee Code of Ethics have been adjusted to OJK
dengan Peraturan OJK No. 55/POJK.04/2015 tentang Regulation No. 55/POJK.04/2015 on the Establishment and
Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit. Guidelines for Implementing the Work of the Audit Committee.
Masa Tugas dan Kompensasi Term of Office and Compensation
1. Masa tugas anggota Komite Audit tidak boleh lebih lama 1. The term of office of members of the Audit Committee
dari masa jabatan Dewan Komisaris sebagaimana diatur may not be longer than the term of office of the Board of
dalam Anggaran Dasar dan dapat dipilih kembali untuk 1 Commissioners as regulated in the Articles of Association
(satu) periode berikutnya. and may be re-elected for 1 (one) subsequent period.
2. Apabila anggota Dewan Komisaris yang menjadi Ketua 2. If the member of the Board of Commissioners who is the
Komite Audit berhenti sebelum masa tugasnya sebagai Head of the Audit Committee resigns before his/her term
Komisaris Bank, maka Ketua Komite Audit digantikan oleh of office as Bank Commissioner, the Head of the Audit
Komisaris Independen lainnya. Committee will be replaced by another Independent
Commissioner.
3. Apabila masa tugas sebagai Dewan Komisaris berakhir, 3. If the term of service as a Board of Commissioners ends,
maka berakhir pula masa tugasnya sebagai Anggota the term of duty as a Member of the Audit Committee also
Komite Audit. ends.
4. Anggota Komite Audit yang berasal dari Pihak Independen 4. Audit Committee members who come from Independent
Non Komisaris diberi honorarium bulanan yang jumlahnya Non-Commissioner Parties are given a monthly honorarium,
ditetapkan oleh Dewan Komisaris dengan tetap mengacu the amount of which is determined by the Board of
pada ketentuan perundangan yang berlaku. Commissioners while still referring to the applicable
statutory provisions.
Persyaratan Keanggotaan Membership Requirement
1. Persyaratan umum: 1. General requirements:
a. Memiliki integritas, akhlak dan moral yang baik. a. Have integrity, good morals and morals.
b. Tidak memiliki kepentingan/keterkaitan pribadi yang b. Have no personal interests/relationships that could give
dapat menimbulkan conflict of interest terhadap Bank. rise to a conflict of interest towards the Bank.
2. Persyaratan Kompetensi: 2. Competency Requirements:
a. Memiliki keahlian, kemampuan, pengetahuan dan a. Have adequate skills, abilities, knowledge and
pengalaman yang memadai yang berhubungan dengan experience related to their duties and responsibilities.
tugas dan tanggung jawabnya.
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b. Memiliki pengetahuan yang cukup untuk memahami b. Have sufficient knowledge to understand the business
bisnis dan industri perbankan, proses audit, manajemen and banking industry, audit processes, risk management
risiko dan kemampuan membaca laporan keuangan and the ability to read financial reports and reports
dan laporan-laporan terkait pelaksanaan pengendalian related to the implementation of internal control in the
internal industri perbankan. banking industry.
c. Mampu bekerja sama dan memiliki kemampuan c. Able to work together and have the ability to
berkomunikasi dengan baik dan efektif serta bersedia communicate well and effectively and willing to provide
menyediakan waktu yang cukup untuk melaksanakan sufficient time to carry out their duties.
tugasnya.
d. Memiliki pengetahuan yang memadai tentang Anggaran d. Have adequate knowledge of the Bank’s Articles of
Dasar Bank, peraturan perundangan di bidang Association, laws and regulations in the banking sector,
perbankan, Pasar Modal, dan peraturan perundangan Capital Markets and other related laws and regulations.
terkait lainnya.
e. Bersedia meningkatkan kompetensi secara terus- e. Be willing to continuously improve competence through
menerus melalui pendidikan dan pelatihan. education and training.
3. Persyaratan Independensi: 3. Independence Requirements:
a. Tidak memiliki saham Bank, baik langsung maupun a. Do not own Bank shares, either directly or indirectly.
tidak langsung.
b. Dalam hal anggota Komite Audit memperoleh saham b. In the event that a member of the Audit Committee
Bank baik langsung maupun tidak langsung akibat acquires the Bank shares either directly or indirectly as a
suatu peristiwa hukum, saham tersebut wajib dialihkan result of a legal incident, the shares must be transferred
kepada pihak lain dalam jangka waktu paling lama 6 to another party within a period of no later than 6 (six)
(enam) bulan setelah diperolehnya saham tersebut. months after acquiring the shares.
c. Bukan merupakan orang dalam Kantor Akuntan Publik, c. Not a person in a Public Accounting Firm, Legal
Kantor Konsultan Hukum, Kantor Jasa Penilai Publik Consultant Firm, Public Appraisal Services Firm or
atau pihak lain yang memberi jasa asuransi, jasa non- other party providing insurance services, non-insurance
asuransi, jasa penilai dan/atau jasa konsultasi lain services, appraisal services and/or other consulting
kepada Bank dalam waktu 6 (enam) bulan terakhir. services to the Bank within the last 6 (six) months.
d. Tidak memiliki hubungan afiliasi dengan Bank, d. Have no affiliation with the Bank, Commissioners,
Komisaris, Direksi, dan pemegang saham utama Bank. Directors and main shareholders of the Bank.
e. Tidak memiliki hubungan usaha baik langsung maupun e. Have no direct or indirect business relationship with the
tidak langsung dengan Bank. Bank.
f. Mantan anggota Direksi atau Pejabat Eksekutif Bank f. Former members of the Board of Directors or Executive
atau pihak yang mempunyai hubungan dengan Officers of the Bank or parties who have a relationship
Bank yang dapat mempengaruhi kemampuan yang with the Bank that can influence the person’s ability
bersangkutan untuk bertindak independen dilarang to act independently are prohibited from becoming
menjadi Pihak Independen dalam anggota komite pada Independent Parties as members of the committee
Bank yang bersangkutan sebelum menjalani masa at the Bank concerned before undergoing a waiting
tunggu paling singkat 6 (enam) bulan. period of at least 6 (six) months.
g. Masa tunggu paling singkat 6 (enam) bulan tidak berlaku g. The shortest waiting period of 6 (six) months does not
bagi mantan anggota Direksi yang membawahkan apply to former members of the Board of Directors
fungsi pengawasan atau Pejabat Eksekutif yang who are in charge of supervisory functions or Executive
melakukan fungsi pengawasan pada Bank. Officers who carry out supervisory functions at the
Bank.
4. Kerahasiaan: 4. Confidentiality:
a. Anggota Komite Audit wajib menjaga kerahasiaan a. Audit Committee members are required to maintain
atau seluruh dokumen dan/atau informasi Bank serta the confidentiality of all Bank documents and/or
segala sesuatu yang berhubungan dengan Bank dan information as well as everything related to the Bank
pelaksanaan tugas Komite. Adapun pengklasifikasian and the implementation of the Committee’s duties.
kerahasiaan dokumen dan/atau informasi Bank tersebut The classification of confidentiality of Bank documents
mengacu pada ketentuan internal dan peraturan and/or information refers to internal provisions and
perundang- undangan yang berlaku. applicable laws and regulations.
b. Kewajiban untuk merahasiakan berlaku pula apabila b. The obligation to keep confidential also applies if the
masa jabatan sebagai anggota Komite Audit maupun term of office as a member of the Audit Committee
masa jabatan sebagai anggota Dewan Komisaris di or term of office as a member of the Board of
Bank berakhir. Commissioners at the Bank ends.
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Komposisi Anggota Komite Audit Composition of Audit Committee Members
Komposisi Komite Audit wajib wajib memenuhi ketentuan The composition of the Audit Committee must meet the
sebagai berikut: following provisions:
1. Komite Audit sekurang-kurangnya terdiri dari 3 (tiga) 1. The Audit Committee consists of at least 3 (three) members
orang yang berasal dari Komisaris Independen dan Pihak from Independent Commissioners and Independent Parties.
Independen.
2. Komposisi keanggotaan Komite Audit paling kurang 1 (satu) 2. The composition of the Audit Committee membership is
orang Komisaris Independen sebagai Ketua merangkap at least 1 (one) Independent Commissioner as Chair and
anggota, 1 (satu) orang Pihak Independen Non Komisaris member, 1 (one) Independent Non-Commissioner who has
yang memiliki keahlian di bidang keuangan atau akuntansi, expertise in the field of finance or accounting, and 1 (one)
dan 1 (satu) orang Pihak Independen Non Komisaris yang Independent Non- Commissioner who has expertise in the
memiliki keahlian di bidang hukum atau perbankan. field of law or banking.
3. Keahlian Anggota Komite Audit yang berasal dari Pihak 3. The expertise of Audit Committee Members who come
Independen dibuktikan paling sedikit dengan kepemilikan from Independent Parties is proven at least by having a
sertifikat kompetensi yang mendukung pelaksanaan fungsi competency certificate that supports the implementation of
dan tanggung jawab Komite. the Committee’s functions and responsibilities.
4. Anggota Direksi Bank maupun Bank lain dilarang menjadi 4. Members of the Board of Directors of Banks or other
anggota Komite Audit. Banks are prohibited from becoming members of the Audit
Committee.
5. Komisaris Independen dan Pihak Independen yang menjadi 5. Independent Commissioners and Independent Parties who
anggota Komite Audit paling sedikit berjumlah 51% (lima are members of the Audit Committee constitute at least
puluh satu persen) dari jumlah anggota Komite Audit. 51% (fifty one percent) of the total members of the Audit
Committee.
6. Ketua Komite Audit hanya dapat merangkap jabatan 6. The Head of the Audit Committee can only hold the same
sebagai ketua Komite paling banyak pada 1 (satu) Komite position as a Head of Committee for a maximum of 1 (one)
lainnya. other Committee.
7. Dalam melaksanakan tugas sehari-hari Komite dapat 7. In carrying out the daily duties of the Committee, the
dibantu oleh staf dan atau Sekretaris Komite yang ditunjuk Committee can be assisted by staff and/or the Committee
berdasarkan keputusan rapat Komite Audit. Secretary appointed based on the decision of the Audit
Committee meeting.
Pada tahun 2025, komposisi Komite Audit berjumlah 3 (tiga) In 2025, the Audit Committee will consist of 3 (three) members,
orang yang terdiri dari 1 (satu) orang Ketua yang berasal dari consisting of 1 (one) Chairperson from the Bank's Independent
Komisaris Independen Bank dan 2 (dua) orang anggota yang Commissioners and 2 (two) members from independent parties.
berasal dari pihak independen. Adapun komposisi anggota The composition of the Bank's Audit Committee in 2025 is as
Komite Audit Bank di tahun 2025 adalah sebagai berikut: follows:
Susunan Komite Audit per 31 Desember 2025
Composition of the Audit Committee as of December 31, 2025
Nama Jabatan Dasar Pengangkatan Masa Jabatan Periode Jabatan
Name Position Basis of Appointment Term of Office Period
Aviliani Ketua Surat Keputusan No. SK: 072/DIRAB/24 tanggal 2 September 2024 Mengikuti masa jabatan sebagai
Chairwoman tentang Penetapan Struktur Keanggotaan Komite Audit. Dewan Komisaris
Decision Letter No. SK: 072/DIRAB/24 dated September 2, 2024 Following the term of office as
concerning Determination of the Audit Committee Membership Structure. the Board of Commissioner
Siswandi Anggota Surat Keputusan No. SK: 072/DIRAB/24 tanggal 2 September 2024 2 tahun
Pujo Member tentang Penetapan Struktur Keanggotaan Komite Audit. 2 years
Decision Letter No. SK: 072/DIRAB/24 dated September 2, 2024
concerning Determination of the Audit Committee Membership Structure.
Lista Irna Anggota Surat Keputusan No. SK: 072/DIRAB/24 tanggal 2 September 2024 2 tahun
Member tentang Penetapan Struktur Keanggotaan Komite Audit. 2 years
Decision Letter No. SK: 072/DIRAB/24 dated September 2, 2024
concerning Determination of the Audit Committee Membership Structure.
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AVILIANI
● Ketua Komite Audit/Komisaris Utama Independen
Chairwoman of the Audit Committee/Independent President Commissioner
Profil Aviliani selaku Ketua Komite Audit/Komisaris Utama Independen Aviliani’s profile as Chair of the Audit Committee/Independent Main
dapat dilihat pada bagian Profil Dewan Komisaris dalam Bab Profil Commissioner can be seen in the Profile of the Board of Commissioners
Perusahaan Laporan Tahunan ini. section in the Company Profile Chapter of this Annual Report.
SISWANDI PUJO
SASONGKO
● Anggota Komite Audit
Member of Audit Committee
Kewarganegaraan Indonesia
Citizenship Indonesian
Usia 58 tahun
Age 58 years old
Kelahiran Madiun, 24 April 1967
Place and Madiun, April 24, 1967
Date of Birth
Domisili Pamulang, Tangerang Selatan, Banten
Domicile Pamulang, South Tangerang, Banten
Riwayat Pendidikan | Educational Background
S1 Akuntansi Bachelor’s Degree in Accounting
Riwayat Pekerjaan | Employment History
• Fraud Banking Investigation Bank Mega, 2012 - 2022 • Fraud Banking Investigation at Bank Mega, 2012 - 2022
• Audit Bank Mega, 1992 - 2012 • Audit at Bank Mega, 1992 - 2012
• Staf Akuntansi Bank Karman, 1991 – 1992 • Accounting Staff at Bank Karman, 1991 - 1992
Pendidikan dan/atau Sertifikasi Profesi yang Berlaku | Applicable Education and/or Professional Certification
• Sertifikasi Risk Management Jenjang 7 – LSPP • Risk Management Level 7 – LSPP Certification
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LISTA IRNA
● Anggota Komite Audit
Member of Audit Committee
Kewarganegaraan Indonesia
Citizenship Indonesian
Usia 58 tahun
Age 58 years old
Kelahiran Riau, 15 Oktober 1967
Place and Riau, October 15, 1967
Date of Birth
Domisili DKI Jakarta
Domicile
Riwayat Pendidikan | Educational Background
S2 MBA, Swiss German University (2005) Master’s Degree in Business Administration, Swiss German University
(2005)
Riwayat Pekerjaan | Employment History
• Bank Mandiri, 2016-2020 • Bank Mandiri, 2016-2020
• RaboBank dan LPPI, 2016 • RaboBank dan LPPI, 2016
• Bank Danamon, 2010-2016 • Bank Danamon, 2010-2016
Pendidikan dan/atau Sertifikasi Profesi yang Berlaku | Applicable Education and/or Professional Certification
• Sertifikasi Risk Management Jenjang 7 – LSPP • Risk Management Level 7 – LSPP Certification
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of Audit Committee
Dalam menjalankan fungsinya, Komite Audit senantiasa In performing its functions, the Audit Committee consistently
melaksanakan fungsinya secara independen. Adapun tugas carries out its functions independently. The following are duties
dan tanggung jawab Komite Audit, meliputi: and responsibilities of the Committee:
1. Memastikan kecukupan dan integritas pengendalian 1. Ensure the adequacy and integrity of internal controls and
internal dan sistem informasi manajemen terkait; related management information systems;
2. Melakukan penelaahan dan memastikan kesesuaian 2. Review and ensure compliance with financial accounting
dengan standar akuntansi keuangan atas informasi standards for financial information that will be released by
keuangan yang akan dikeluarkan Bank kepada publik dan/ the Bank to the public and/or authorities, including financial
atau pihak otoritas antara lain laporan keuangan, proyeksi, reports, projections and other reports related to the Bank’s
dan laporan lainnya terkait dengan informasi keuangan financial information;
Bank;
3. Melakukan penelaahan atas ketaatan terhadap peraturan 3. Review compliance with laws and regulations relating to
perundang-undangan yang berhubungan dengan kegiatan Bank activities;
Bank;
4. Memberikan pendapat independen dalam hal terjadi 4. Provide independent opinions in the event of differences
perbedaan pendapat antara manajemen dan Auditor of opinion between management and the External Auditor
Eksternal atas jasa yang diberikannya; regarding the services provided;
5. Memberikan rekomendasi kepada Dewan Komisaris 5. Provide recommendations to the Board of Commissioners
mengenai penunjukan Auditor Eksternal yang didasarkan regarding the appointment of an External Auditor based on
pada independensi, ruang lingkup penugasan, dan imbalan independence, scope of assignment and compensation for
jasa; services;
6. Melakukan penelaahan atas pelaksanaan tugas 6. Review the implementation of audit duties by the Internal
pemeriksaan oleh Satuan Kerja Audit Internal dan Audit Work Unit and supervise the implementation of follow
mengawasi pelaksanaan tindak lanjut oleh Direksi atas up actions by the Board of Directors regarding the findings
temuan Satuan Kerja Audit Internal; of the Internal Audit Work Unit;
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7. Melakukan pemantauan dan evaluasi terhadap pelaksanaan 7. Monitor and evaluate the implementation of follow-up
tindak lanjut oleh Direksi atas hasil temuan Auditor Eksternal actions by the Board of Directors regarding the findings of
dan hasil pemeriksaan OJK/BI; the External Auditor and the results of OJK/BI audits;
8. Menelaah pengaduan yang berkaitan dengan proses 8. Review complaints related to the Bank’s accounting and
akuntansi dan pelaporan keuangan Bank; financial reporting processes;
9. Menelaah dan memberikan saran kepada Dewan Komisaris 9. Review and provide advice to the Board of Commissioners
terkait dengan adanya potensi benturan kepentingan Bank; regarding potential conflicts of interest of the Bank;
10. Memberikan rekomendasi kepada Dewan Komisaris 10. Provide recommendations to the Board of Commissioners
mengenai pengangkatan dan pemberhentian Kepala regarding the appointment and dismissal of the Head of the
Satuan Kerja Audit Internal dan memastikan bahwa laporan Internal Audit Work Unit and ensure that the report on the
pengangkatan dan pemberhentian Kepala Satuan Kerja appointment and dismissal of the Head of the Internal Audit
Audit Internal yang ditandatangani ditandatangani oleh Work Unit signed by the President Director and President
Direktur Utama dan Komisaris Utama disampaikan kepada Commissioner is submitted to the OJK no later than 10 (ten)
OJK paling lambat 10 (sepuluh) hari kerja setelah tanggal working days after the date appointment or dismissal of the
pengangkatan atau pemberhentian Kepala Satuan Kerja Head of the Internal Audit Work Unit;
Audit Internal;
11. Dalam pelaksanaan fungsi audit internal, Komite Audit 11. In implementing the internal audit function, the Audit
bertanggung jawab: Committee is responsible for:
a. memantau dan mengkaji efektivitas pelaksanaan audit a. monitoring and reviewing the effectiveness of internal
internal; audit implementation;
b. mengevaluasi kinerja Satuan Kerja Audit Internal; b. evaluating the performance of the Internal Audit Work
Unit;
c. memastikan Satuan Kerja Audit Internal melakukan c. ensuring that the Internal Audit Work Unit communicates
komunikasi dengan Direksi, Dewan Komisaris, auditor with the Board of Directors, Board of Commissioners,
eksternal dan Otoritas Jasa Keuangan; external auditors and the Financial Services Authority;
d. memastikan Satuan Kerja Audit Internal bekerja secara d. ensuring that the Internal Audit Work Unit works
independen; independently;
e. memberikan rekomendasi kepada Dewan Komisaris e. providing recommendations to the Board of
terkait penyusunan rencana audit, ruang lingkup dan Commissioners regarding the preparation of the audit
anggaran Satuan Kerja Audit Internal; plan, scope and budget of the Internal Audit Work Unit;
f. meninjau laporan audit dan memastikan Direksi f. reviewing audit reports and ensuring that the Board of
mengambil tindakan perbaikan yang diperlukan secara Directors takes necessary corrective action quickly to
cepat untuk mengatasi kelemahan pengendalian, address control weaknesses, fraud, compliance issues
fraud, masalah kepatuhan terhadap kebijakan, undang- with policies, laws and regulations, or other problems
undang, dan peraturan, atau masalah lain yang identified and reported by the Internal Audit Work Unit;
diidentifikasi dan dilaporkan oleh Satuan Kerja Audit
Internal;
g. memberikan rekomendasi kepada Dewan Komisaris g. providing recommendations to the Board of
terkait pemberian remunerasi tahunan Satuan Kerja Commissioners regarding the provision of annual
Audit Internal secara keseluruhan serta penghargaan remuneration for the Internal Audit Work Unit as a
kinerja; dan whole as well as performance awards; and
h. memastikan Satuan Kerja Audit Internal menjunjung h. ensuring that the Internal Audit Work Unit upholds
tinggi integritas dalam pelaksanaan tugas. integrity in carrying out its duties.
12. Komite Audit wajib memastikan bahwa laporan khusus 12. The Audit Committee is obliged to ensure that a special
mengenai setiap temuan audit internal yang diperkirakan report regarding any internal audit findings that are expected
dapat membahayakan kelangsungan usaha Bank yang to compromise the Bank’s business continuity, signed by
ditandatangani oleh Direktur Utama dan Komisaris the President Director and Independent Commissioner
Independen yang menjadi Ketua Komite Audit disampaikan who is the Chair of the Audit Committee, is submitted to the
kepada OJK paling lambat 3 (tiga) hari kerja setelah OJK no later than 3 (three) working days after the discovery.
ditemukan.
13. Komite Audit wajib memastikan bahwa laporan pelaksanaan 13. The Audit Committee is obliged to ensure that the
dan pokok-pokok hasil audit internal disampaikan kepada implementation report and main points of internal audit
OJK secara semesteran paling lambat: results are submitted to the OJK on a semi-annual basis
no later than:
a. tanggal 31 Juli tahun berjalan untuk semester kesatu; a. July 31 of the current year for the first semester;
b. tanggal 31 Januari tahun berikutnya untuk semester b. January 31 of the following year for the second semester.
kedua.
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14. Memberikan rekomendasi kepada Dewan Komisaris 14. Provide recommendations to the Board of Commissioners
mengenai penunjukan pengendali mutu independen dari regarding the appointment of an independent quality
pihak eksternal untuk melakukan kaji ulang terhadap kinerja controller from an external party to review the performance
Satuan Kerja Audit Internal. Komite Audit wajib memastikan of the Internal Audit Work Unit. The Audit Committee is
bahwa laporan hasil kaji ulang pihak eksternal yang obliged to ensure that the independent external party
independen yang ditandatangani oleh Direktur Utama dan review report signed by the President Director and President
Komisaris Utama disampaikan kepada OJK paling lambat 2 Commissioner is submitted to the OJK no later than 2 (two)
(dua) bulan setelah periode pengkajian berakhir; months after the review period ends;
15. Melakukan pertemuan secara berkala dengan unit-unit 15. Hold regular meetings with related work units to discuss
kerja terkait guna membahas hal-hal yang berada dalam matters within the scope of their supervision;
lingkup pengawasannya;
16. Menyusun Piagam Kerja Komite Audit dan melakukan reviu 16. Develop an Audit Committee Work Charter and conduct a
sesuai kebutuhan paling kurang 2 (dua) tahun sekali; review as needed at least once every 2 (two) years;
17. Melaporkan hasil pemantauan dan penelaahan secara 17. Report the results of monitoring and reviews periodically, as
berkala, serta memberi masukan atas hal-hal yang perlu well as provide input on matters that need the attention of
menjadi perhatian Dewan Komisaris; the Board of Commissioners;
18. Ketua Komite Audit bertugas dan bertanggung jawab untuk 18. The Head of the Audit Committee is tasked with and
melakukan koordinasi atas seluruh kegiatan Komite untuk responsible for coordinating all Committee activities to
memenuhi tujuan Komite sesuai dengan pembentukannya; fulfill the Committee’s objectives in accordance with its
formation;
19. Ketua dan anggota Komite Audit bertanggung jawab untuk 19. The Head and members of the Audit Committee are
hal-hal sebagai berikut: responsible for the following matters:
a. Menentukan rencana kerja tahunan. a. Determining the annual work plan.
b. Menentukan jadwal rapat tahunan. b. Determining the annual meeting schedule.
c. Membuat laporan berkala mengenai kegiatan Komite c. Making periodic reports regarding Committee activities
serta hal-hal yang dirasakan perlu untuk menjadi and matters deemed necessary for the attention of the
perhatian Dewan Komisaris. Board of Commissioners.
d. Menunjuk anggota Komite Audit non Dewan Komisaris d. Appointing non-Board of Commissioners Audit
atau menunjuk pihak ketiga lainnya sebagai sekretaris Committee members or appoint other third parties as
Komite untuk mencatat Rapat Komite dan membuat Committee secretaries to record Committee Meetings
Risalah Rapat Komite. and prepare Minutes of Committee Meetings.
e. Menghadiri rapat. e. Attending meetings.
f. Berperan aktif dan memberikan kontribusinya dalam f. Playing an active role and contribute to every Committee
setiap kegiatan Rapat Komite. Meeting activity.
Wewenang Komite Audit Authority of the Audit Committee
Dalam melaksanakan tugasnya, Komite memiliki wewenang In performing its duties, the Committee is authorized to:
sebagai berikut:
1. Melakukan komunikasi dengan Kepala Unit Kerja, pihak- 1. Communicate with the Head of Work Unit and other parties
pihak lain di Bank dan auditor eksternal untuk memperoleh at the Bank to obtain information, clarification and request
informasi, klarifikasi serta meminta dokumen dan laporan necessary documents and reports.
yang diperlukan.
2. Mengakses catatan atau informasi tentang pegawai, dana, 2. Access records or information about employees, funds,
aset serta sumber daya perusahaan lainnya yang berkaitan assets and other company resources related to the
dengan pelaksanaan tugasnya. implementation of their duties.
3. Memperoleh Laporan Keuangan, Laporan Audit dan 3. Obtain Financial Reports, Audit Reports and other reports
laporan lainnya terkait penerapan pengendalian internal related to the implementation of the Bank's internal controls.
Bank.
4. Mendapatkan masukan dan atau saran dari pihak luar Bank 4. Obtain input and/or suggestions from parties outside the
yang berkaitan dengan tugasnya. Bank related to their duties.
5. Melakukan kewenangan lain yang diberikan oleh Dewan 5. Carry out other authorities granted by the Board of
Komisaris. Commissioners.
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Independensi Komite Audit Independence of the Audit Committee
Seluruh anggota Komite Audit wajib memberikan pernyataan All members of the Audit Committee are required to provide
independensi yang diperbarui secara berkala setiap tahunnya. an independence statement that is updated annually. The Audit
Pernyataan independensi Komite Audit disusun sesuai POJK Committee's independence statement is prepared in accordance
No. 55/POJK.04/2015 tentang Pembentukan dan Pedoman with Article 7 of POJK No. 55/POJK.04/2015 concerning the
Pelaksanaan Kerja Komite Audit Pasal 7, terkait persyaratan Establishment and Guidelines for the Implementation of the
Keanggotaan dan Masa tugas Komite Audit. Work of the Audit Committee, regarding the requirements for
Audit Committee Membership and Term of Office.
Aspek Independensi Siswandi Pujo
Aviliani Lista Irna
Independence Aspect Sasongko
Tidak memiliki hubungan afiliasi dengan Pemegang Saham, Dewan Komisaris,
serta Direksi.
✓ ✓ ✓
Has no affiliation with the Shareholders, the Board of Commissioners, and the
Board of Directors.
Tidak memiliki hubungan usaha secara langsung dan tidak langsung dengan
perusahaan.
✓ ✓ ✓
Has no direct or indirect business relationship with the Company.
Tidak memiliki hubungan kepengurusan dengan perusahaan.
Has no management relationship with the Company.
✓ ✓ ✓
Tidak memiliki saham langsung maupun tidak langsung di perusahaan.
Does not own direct or indirect shares in the Company.
✓ ✓ ✓
Keterangan | Description:
✓ = ada | has relationship
× = tidak ada | has no relationship
Rapat Komite Audit Audit Committee Meeting
Berdasarkan piagam yang dimiliki, Komite Audit dapat Based on its charter, the Audit Committee may hold meetings
melaksanakan rapat sekurang-kurangnya sebanyak 1 (satu) kali at least once a month. Audit Committee meetings may also be
dalam 1 (satu) bulan. Rapat Komite Audit juga dapat dihadiri attended by members of the Board of Commissioners, Board
oleh anggota Dewan Komisaris, Direksi, atau Auditor Eksternal of Directors, or the Bank's External Auditor, if necessary. In
Bank apabila diperlukan. Di tahun 2025, Komite Audit telah 2025, the Audit Committee held 28 meetings. The frequency
menyelenggarakan rapat sebanyak 28 Kali. Adapun frekuensi of attendance and detailed agenda items for Audit Committee
kehadiran dan rincian agenda pembahasan rapat Komite Audit meetings are as follows:
dapat dilihat sebagai berikut:
Nama Jabatan Jumlah Kehadiran Rapat
Name Position Total Meeting Attendance
Aviliani Ketua Komite Audit 28 (100%)
Head of Audit Committee
Siswandi Pujo Sasongko Anggota Komite Audit 28 (100%)
Member of Audit Committee
Lista Irna Anggota Komite Audit 28 (100%)
Member of Audit Committee
Tanggal Rapat Agenda Rapat Peserta Rapat
No
Date Meeting Agenda Participants
1 15 Januari 2025 Penerapan Strategi Anti fraud semester II Tahun 2024 1. Aviliani
January 15, 2025 Implementation of Anti-fraud Strategy in the Second Semester of 2024 2. Siswandi Pujo Sasongko
3. Lista Irna
2 22 Januari 2025 Pembahasan Pokok-Pokok Hasil Audit Semester II 2024 1. Aviliani
January 22, 2025 Discussion of the Main Results of the Second Semester 2024 Audit Results 2. Siswandi Pujo Sasongko
3. Lista Irna
3 3 Februari 2025 Pembahasan CKPN 1. Aviliani
February 3, 2025 Discussion of CKPN 2. Siswandi Pujo Sasongko
3. Lista Irna
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Tanggal Rapat Agenda Rapat Peserta Rapat
No
Date Meeting Agenda Participants
4 19 Februari 2025 Update Meeting SLIK 1. Aviliani
February 19, 2025 SLIK Meeting Update 2. Siswandi Pujo Sasongko
3. Lista Irna
5 24 Februari 2025 Update Aktivitas IT Security 1. Aviliani
February 24, 2025 IT Security Activity Update 2. Siswandi Pujo Sasongko
3. Lista Irna
6 10 Maret 2025 Pembahasan Performance Laporan Keuangan per 31 Desember 2024 (Internal) 1. Aviliani
March 10, 2025 Discussion of Financial Report Performance as of December 31, 2024 (Internal) 2. Siswandi Pujo Sasongko
3. Lista Irna
7 17 Maret 2025 Pembahasan Surat Pengunduran Diri Kepala SKAI Allo Bank 1. Aviliani
March 17, 2025 Discussion of the Resignation Letter of the Head of SKAI Allo Bank 2. Siswandi Pujo Sasongko
3. Lista Irna
8 23 April 2025 Pembahasan Update Temuan Audit Q1 2025 1. Aviliani
April 23, 2025 Discussion of Q1 2025 Audit Findings Update 2. Siswandi Pujo Sasongko
3. Lista Irna
9 28 April 2025 Pembahasan Kinerja Keuangan Q1 2025 1. Aviliani
April 28, 2025 Discussion of Q1 2025 Financial Performance 2. Siswandi Pujo Sasongko
3. Lista Irna
10 21 Mei 2025 Pembahasan Tindak Lanjut Laporan Hasil Audit Terkait Pay Later dan Instant Cash 1. Aviliani
May 21, 2025 Discussion of Follow-Up to the Audit Report Regarding Pay Later and Instant Cash 2. Siswandi Pujo Sasongko
3. Lista Irna
11 26 Mei 2025 Pembahasan Update Kasus Fraud 1. Aviliani
May 26, 2025 Fraud Case Update Discussion 2. Siswandi Pujo Sasongko
3. Lista Irna
12 16 Juni 2025 Pembahasan Financial Performance Bulan Mei 2025 1. Aviliani
June 16, 2025 Discussion of Financial Performance for May 2025 2. Siswandi Pujo Sasongko
3. Lista Irna
13 23 Juni 2025 Pembahasan Draft Laporan Pokok-Pokok Hasil Audit 1. Aviliani
June 23, 2025 Discussion of Draft Report on Principal Audit Results 2. Siswandi Pujo Sasongko
3. Lista Irna
14 2 Juli 2025 Pembahasan Draft Laporan Strategi Anti Fraud 1. Aviliani
July 2, 2025 Discussion of the Draft Anti-Fraud Strategy Report 2. Siswandi Pujo Sasongko
3. Lista Irna
15 16 Juli 2025 Pembahasan Laporan Kinerja Keuangan Q2 2025 1. Aviliani
July 16, 2025 Discussion of Q2 2025 Financial Performance Report 2. Siswandi Pujo Sasongko
3. Lista Irna
16 16 Juli 2025 Pembahasan Update Penerapan Pengendalian Internal Dalam Proses Pelaporan 1. Aviliani
July 16, 2025 Keuangan Bank (Sesuai POJK 15 Tahun 2024) 2. Siswandi Pujo Sasongko
Discussion of the Update on the Implementation of Internal Control in Bank Financial 3. Lista Irna
Reporting Processes (In Accordance with POJK 15 of 2024)
17 11 Agustus 2025 Pembahasan Kinerja Keuangan Bulan Juli 2025 1. Aviliani
August 11, 2025 Discussion of Financial Performance for July 2025 2. Siswandi Pujo Sasongko
3. Lista Irna
18 11 Agustus 2025 Pembahasan Update Pipeline Treasury 1. Aviliani
August 11, 2025 Discussion of Treasury Pipeline Update 2. Siswandi Pujo Sasongko
3. Lista Irna
19 15 September 2025 Pembahasan Kinerja Keuangan Bulan Agustus 2025 1. Aviliani
September 15, 2025 Discussion of Financial Performance for August 2025 2. Siswandi Pujo Sasongko
3. Lista Irna
20 22 September 2025 Pembahasan Progress Penunjukkan AP dan/atau KAP Tahun Buku 2025 1. Aviliani
September 22, 2025 Discussion of the Progress of Appointing AP and/or KAP for the Fiscal Year 2025 2. Siswandi Pujo Sasongko
3. Lista Irna
21 13 Oktober 2025 Pembahasan Laporan Kinerja Keuangan Q3 2025 1. Aviliani
October 13, 2025 Discussion of the Q3 2025 Financial Performance Report 2. Siswandi Pujo Sasongko
3. Lista Irna
22 22 Oktober 2025 Pembahasan Perkembangan Audit Internal Q3 2025 1. Aviliani
October 22, 2025 Discussion of Internal Audit Developments Q3 2025 2. Siswandi Pujo Sasongko
3. Lista Irna
23 27 Oktober 2025 Pembahasan Perkembangan Anti Fraud Q3 2025 1. Aviliani
October 27, 2025 Discussion of Anti-Fraud Development of Q3 2025 2. Siswandi Pujo Sasongko
3. Lista Irna
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Tanggal Rapat Agenda Rapat Peserta Rapat
No
Date Meeting Agenda Participants
24 10 November 2025 Kick Off Meeting KAP Tahun Buku 2025 1. Aviliani
November 10, 2025 KAP Kick Off Meeting for Fiscal Year 2025 2. Siswandi Pujo Sasongko
3. Lista Irna
25 10 November 2025 Pembahasan Pengunduran Diri PLT. Internal Audit Division Head (Kepala SKAI) 1. Aviliani
November 10, 2025 Discussion of the Resignation of the Acting Head of Internal Audit Division (Head of 2. Siswandi Pujo Sasongko
SKAI) 3. Lista Irna
26 19 November 2025 Pembahasan Kinerja Keuangan Bulan Oktober 2025 1. Aviliani
November 19, 2025 Discussion of Financial Performance for October 2025 2. Siswandi Pujo Sasongko
3. Lista Irna
27 19 November 2025 Pembahasan Penunjukan Act. Internal Audit Division Head (PLT Kepala SKAI) 1. Aviliani
November 19, 2025 Discussion on the Appointment of Acting Internal Audit Division Head (Acting Head 2. Siswandi Pujo Sasongko
of SKAI) 3. Lista Irna
28 15 Desember 2025 Pembahasan Financial Performance Bulan November 2025 1. Aviliani
December 15, 2025 Discussion of Financial Performance for November 2025 2. Siswandi Pujo Sasongko
3. Lista Irna
Peningkatan Kompetensi Komite Audit Competency Development of Audit Committee
Bank senantiasa memfasilitasi seluruh anggota Komite Audit The Bank consistently facilitates all Audit Committee members
untuk mengikuti program pengembangan kompetensi yang to participate in competency development programs that
dapat mengoptimalkan seluruh tugasnya dan tetap relevan optimize their duties and remain relevant to current business
dengan kondisi dan dinamika bisnis yang terjadi. Informasi conditions and dynamics. Information on the Audit Committee's
mengenai peningkatan kompetensi Komite Audit sepanjang competency development throughout 2025 is presented in the
tahun 2025 dapat dilihat pada Bab Profil Perusahaan dalam Company Profile section of this Annual Report.
Laporan Tahunan ini.
Laporan Pelaksanaan Tugas Komite Audit Audit Committee Duty Implementation Report
Di tahun 2025, Komite Audit telah melaksanakan tugas dan In 2025, the Audit Committee has carried out its duties and
tanggung jawabnya melalui penyampaian saran/rekomendasi responsibilities by submitting suggestions/recommendations
serta sejumlah kegiatan, antara lain: and carrying out a number of activities, including:
1. Melakukan kajian terhadap akuntabilitas dan transparansi 1. Reviewing the accountability and transparency of financial
laporan keuangan. reports.
2. Melakukan kajian terhadap pengendalian internal, termasuk 2. Reviewing internal controls, including the effectiveness
efektivitas pencegahan, deteksi, dan investigasi fraud dan of fraud prevention, detection, investigation, information
tata kelola teknologi informasi, perlindungan data, dan technology governance, data protection, and cybersecurity.
cyber security.
3. Penyampaian dan implementasi rencana kerja Komite Audit 3. Submitting the Audit Committee’s work plan for 2025.
selama Tahun 2025.
4. Menyampaikan laporan evaluasi Komite Audit terhadap 4. Submitting the Audit Committee’s evaluation report on
Pelaksanaan Pemberian Jasa Audit atas Informasi the Implementation of the Provision of Audit Services for
Keuangan Historis Tahunan. Annual Historical Financial Information.
5. Memberikan rekomendasi atas penggantian Internal Audit 5. Providing recommendations on the change of Internal
Division Head (Kepala Satuan Kerja Audit Internal). Audit Division (Head of Internal Audit Work Unit).
6. Memberikan rekomendasi mengenai Penunjukan Akuntan 6. Providing recommendations regarding the appointment of
Publik dan Kantor Akuntan Publik. public accountants and public accounting firms.
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Komite Pemantau Risiko
Risk Oversight Committee
Komite Pemantau Risiko merupakan komite yang bertugas The Risk Oversight Committee is a committee tasked with
untuk membantu Dewan Komisaris dalam menjalankan assisting the Board of Commissioners in carrying out its
fungsi pengawasan, khususnya evaluasi terhadap kepatuhan supervisory function, particularly evaluating compliance
antara kebijakan dan parameter manajemen risiko dengan between risk management policies and parameters and their
implementasinya. implementation.
Dasar Hukum Legal Basis
Pembentukan Komite Pemantau Risiko berpedoman dan The establishment of the Risk Oversight Committee is guided
berlandaskan kepada peraturan perundang-undangan yang by and based on applicable laws and regulations and best
berlaku serta best practices yang diterapkan di lembaga practices implemented in banking institutions in Indonesia,
perbankan di Indonesia, termasuk: including:
1. Peraturan Otoritas Jasa Keuangan (“POJK”) No. 33/ 1. Financial Services Authority Regulation (“POJK”) No. 33/
POJK.04/2014 tanggal 8 Desember 2014 tentang Direksi POJK.04/2014 dated December 8, 2014 concerning the
dan Dewan Komisaris Emiten atau Perusahaan Publik. Board of Directors and Board of Commissioners of Issuers
or Public Companies.
2. POJK No. 17/POJK.03/2023 tanggal 14 September 2023 2. POJK No. 17/POJK.03/2023 dated September 14,
tentang Penerapan Tata Kelola bagi Bank Umum. 2023 concerning Implementation of Governance for
Conventional Bank.
3. SEOJK No. 13/SEOJK.03/2017 tanggal 17 Maret 2017 3. SEOJK No. 13/SEOJK.03/2017 dated March 17, 2017
tentang Penerapan Tata Kelola bagi Bank Umum. concerning Implementation of Governance for Conventional
Bank.
4. POJK No. 18/POJK.03/2016 tanggal 16 Maret 2016 tentang 4. POJK No. 18/POJK.03/2016 dated March 16, 2016
Penerapan Manajemen Risiko bagi Bank Umum. concerning the Implementation of Risk Management for
Conventional Bank.
5. POJK No. 38/POJK.03/2016 tanggal 14 Desember 2016 5. POJK No. 38/POJK.03/2016 dated December 14, 2016
tentang Penerapan Manajemen Risiko dalam Penggunaan concerning the Implementation of Risk Management in the
Teknologi Informasi oleh Bank Umum. Use of Information Technology by Conventional Bank.
6. Anggaran Dasar Bank. 6. Bank Articles of Association.
Tujuan Pembentukan Komite Pemantau Risiko Purpose of Establishing a Risk Oversight
Committee
Komite Pemantau Risiko dibentuk sesuai dengan ketentuan The Risk Oversight Committee was established in accordance
OJK dengan tujuan untuk membantu fungsi pengawasan with the provisions of the Financial Services Authority. The
Dewan Komisaris terkait: committee aims to assist the supervisory function of the Board
of Commissioners regarding:
1. Evaluasi kesesuaian antara kebijakan manajemen risiko dan 1. Evaluating compliance between risk management policies
pelaksanaan kebijakan Bank. and parameters and their implementation.
2. Pemantauan dan evaluasi pelaksanaan tugas komite 2. Providing recommendations to maintain the quality of risk
manajemen risiko dan satuan kerja manajemen risiko. management implementation.
3. Memberikan rekomendasi guna menjaga kualitas 3. Improving the overall control environment.
penerapan manajemen risiko.
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Pedoman Kerja: Piagam Komite Pemantau Risiko Work Guidelines: Charter of the Risk Oversight
Committee
Komite Pemantau Risiko telah memiliki pedoman kerja yang The Risk Oversight Committee has work guidelines set out in
ditetapkan dalam Piagam Komite Pemantau Risiko. Piagam the Risk Oversight Committee Charter. The charter regulates
tersebut mengatur mengenai tugas dan tanggung jawab Komite, the duties and responsibilities of the Committee, authority,
wewenang, struktur keanggotaan, persyaratan keanggotaan, membership structure, membership requirements, work
mekanisme kerja, etika, waktu kerja, dan mekanisme rapat. mechanisms, ethics, working hours and meeting mechanisms.
Masa Tugas dan Kompensasi Term of Office and Compensation
1. Masa tugas anggota Komite Pemantau Risiko tidak boleh 1. The term of office of members of the Risk Oversight
lebih lama dari masa jabatan Dewan Komisaris sebagaimana Committee may not be longer than the term of office of
diatur dalam Anggaran Dasar dan dapat dipilih kembali the Board of Commissioners as regulated in the Articles of
untuk 1 (satu) periode berikutnya. Association and may be re-elected for 1 (one) subsequent
period.
2. Masa tugas anggota Komite Pemantau Risiko yang berasal 2. The term of office of members of the Risk Oversight
dari Pihak Independen Non Komisaris paling lama 3 (tiga) Committee who come from Independent Non-
tahun dan dapat diperpanjang 1 (satu) kali selama 2 (dua) Commissioner Parties is a maximum of 3 (three) years and
tahun masa tugas dengan tidak mengurangi hak Dewan can be extended 1 (one) time for a period of 2 (two) years
Komisaris untuk memberhentikan sewaktu-waktu. without reducing the right of the Board of Commissioners
to dismiss at any time.
3. Apabila anggota Dewan Komisaris yang menjadi Ketua 3. If the member of the Board of Commissioners who is the
Komite Pemantau Risiko berhenti sebelum masa tugasnya Chair of the Risk Oversight Committee resigns before his
sebagai Komisaris Bank, maka Ketua Komite Pemantau term of office as Bank Commissioner, then the Chair of
Risiko digantikan oleh Komisaris Independen lainnya. the Risk Oversight Committee will be replaced by another
Independent Commissioner.
4. Apabila masa tugas sebagai Dewan Komisaris berakhir, 4. If the term of service as a member of the Board of
maka berakhir pula masa tugasnya sebagai Anggota Komite Commissioners ends, the term of duty as a Member of the
Pemantau Risiko. Risk Oversight Committee also ends.
5. Anggota Komite Pemantau Risiko yang berasal dari Pihak 5. Members of the Risk Oversight Committee who come
Independen Non Komisaris diberi honorarium bulanan from Independent Non-Commissioner Parties are given
yang jumlahnya ditetapkan oleh Dewan Komisaris dengan a monthly honorarium whose amount is determined by
tetap mengacu pada ketentuan perundangan. the Board of Commissioners while still referring to the
applicable statutory provisions.
Keanggotaan Komite Pemantau Risiko Membership of Risk Oversight Committee
Ketentuan keanggotaan Komite Pemantau Risiko Bank The provisions for membership of the Bank Risk Oversight
ditetapkan sebagai berikut: Committee are determined as follows:
1. Komite Pemantau Risiko sekurang-kurangnya terdiri dari 3 1. The Risk Oversight Committee consists of at least 3 (three)
(tiga) orang yang berasal dari Komisaris Independen. people from Independent Commissioners and Independent
Parties.
2. Komposisi keanggotaan Komite Pemantau Risiko paling 2. The composition of the Risk Oversight Committee
kurang 1 (satu) orang Komisaris Independen sebagai Ketua membership comprises at least 1 (one) Independent
merangkap anggota, 1 (satu) orang Pihak Independen Non Commissioner as Chair and member, 1 (one) Independent
Komisaris yang memiliki keahlian di bidang keuangan, Non-Commissioner who has expertise in the field of
dan 1 (satu) orang Pihak Independen Non Komisaris yang finance, and 1 (one) Independent Non-Commissioner who
memiliki keahlian di bidang manajemen risiko. has expertise in the field of risk management.
3. Anggota Komite Pemantau Risiko yang berasal dari Pihak 3. Members of the Risk Oversight Committee who come from
Independen dinilai memiliki keahlian di bidang keuangan Independent Parties are considered to have expertise in the
dalam hal memenuhi kriteria: financial sector in terms of meeting the following criteria:
a. Memiliki pengetahuan di bidang ekonomi, bidang a. Have knowledge in the field of economics, finance and/
keuangan dan/atau bidang perbankan. or banking.
b. Memiliki pengalaman kerja paling sedikit 5 (lima) tahun b. Have work experience of at least 5 (five) years in the
di bidang ekonomi, bidang keuangan, dan/atau bidang field of economics, finance, and/or banking.
perbankan.
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4. Anggota Komite Pemantau Risiko yang berasal dari Pihak 4. Members of the Risk Oversight Committee who are
Independen dinilai memiliki keahlian di bidang manajemen Independent Parties are considered to have expertise in the
risiko dalam hal memenuhi kriteria: field of risk management in terms of meeting the following
criteria:
a. Wajib memiliki sertifikat manajemen risiko sebagaimana a. Must have a risk management certificate as applicable
yang berlaku bagi Direksi; to the Board of Directors;
b. Memiliki sertifikat kompetensi yang mendukung b. Have a competency certificate that supports the
pelaksanaan fungsi dan tanggung jawab Komite. implementation of the Committee’s functions and
responsibilities.
5. Anggota Direksi Bank maupun Bank lain dilarang menjadi 5. Members of the Board of Directors of the Bank or other
anggota Komite Pemantau Risiko. Banks are prohibited from becoming members of the Risk
Oversight Committee.
6. Komisaris Independen dan Pihak Independen yang menjadi 6. Independent Commissioners and Independent Parties who
anggota Komite Pemantau Risiko paling sedikit berjumlah are members of the Risk Oversight Committee constitute at
51% (lima puluh satu persen) dari jumlah anggota Komite least 51% (fifty one percent) of the total members of the Risk
Pemantau Risiko. Oversight Committee.
7. Ketua Komite Pemantau Risiko hanya dapat merangkap 7. The Head of the Risk Oversight Committee can only hold
jabatan sebagai ketua Komite paling banyak pada 1 (satu) the same position as Committee Chair in a maximum of 1
Komite lainnya. (one) other Committee.
8. Dalam melaksanakan tugas sehari-hari Komite dapat 8. In carrying out its daily duties, the Committee may be
dibantu oleh staf dan atau Sekretaris Komite yang ditunjuk assisted by staff and/or the Committee Secretary appointed
berdasarkan keputusan rapat Komite Pemantau Risiko. based on the decision of the Risk Oversight Committee
meeting.
Komposisi Anggota Komite Pemantau Risiko Composition of Risk Oversight Committee
Di tahun 2025, komposisi Komite Pemantau Risiko Bank In 2025, the composition of Risk Oversight Committee
mengalami perubahan dengan rincian sebagai berikut: underwent changes with details as follows:
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Jabatan
Name Position Basis of Appointment Term of Service
Period
Rosmaya Ketua Surat Keputusan No. SK: 073/DIRAB/24 tanggal 2 September 2024 tentang Mengikuti masa jabatan sebagai
Chairperson Penetapan Struktur Keanggotaan Komite Pemantau Risiko Dewan Komisaris
Decree No. SK: 073/DIRAB/24 dated September 2, 2024 concerning the Following the term of office of the
Determination of the Membership Structure of the Risk Oversight Committee Board of Commissioners
Siswandi Pujo Anggota Surat Keputusan No. SK: 073/DIRAB/24 tanggal 2 September 2024 tentang 2 tahun
Sasongko Member Penetapan Struktur Keanggotaan Komite Pemantau Risiko 2 years
Decree No. SK: 073/DIRAB/24 dated September 2, 2024 concerning the
Determination of the Membership Structure of the Risk Oversight Committee
Lista Irna Anggota Surat Keputusan No. SK: 073/DIRAB/24 tanggal 2 September 2024 tentang 2 tahun
Member Penetapan Struktur Keanggotaan Komite Pemantau Risiko 2 years
Decree No. SK: 073/DIRAB/24 dated September 2, 2024 concerning the
Determination of the Membership Structure of the Risk Oversight Committee
ROSMAYA
● Ketua Komite Pemantau Risiko/Komisaris Independen
Head of Risk Oversight Committee/Independent Commissioner
Profil Rosmaya selaku Ketua Komite Pemantau Risiko/Komisaris Rosmaya's profile as Chair of the Risk Oversight Committee/
Independen dapat dilihat pada bagian Profil Dewan Komisaris dalam Independent Commissioner can be seen in the Board of Commissioners
Bab Profil Perusahaan Laporan Tahunan ini. Profile section in the Company Profile Chapter of this Annual Report.
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SISWANDI PUJO
SASONGKO
● Anggota Komite Pemantau Risiko
Member of Risk Oversight Committee
Profil Siswandi Pujo Sasongko selaku anggota Komite Pemantau Risiko The profile of Siswandi Pujo Sasongko as a member of the Risk
dapat dilihat pada bagian Profil Anggota Komite Audit dalam Bab Tata Oversight Committee can be seen in the Profile of Audit Committee
Kelola Perusahaan Laporan Tahunan ini. Members section in the Corporate Governance Chapter of this Annual
Report.
LISTA IRNA
● Anggota Komite Pemantau Risiko
Member of Risk Oversight Committee
Profil Lista Irna selaku anggota Komite Pemantau Risiko dapat dilihat The profile of Lista Irna as a member of the Risk Oversight Committee
pada bagian Profil Anggota Komite Audit dalam Bab Tata Kelola can be seen in the Profile of Audit Committee Members section in the
Perusahaan Laporan Tahunan ini. Corporate Governance Chapter of this Annual Report.
Tugas dan Tanggung Jawab Komite Pemantau Risiko
Duties and Responsibilities of Risk Oversight Committee
Dalam menjalankan fungsinya, Komite harus bertindak secara In carrying out its functions, the Committee must act
independen dalam melaksanakan tugas dan tanggung jawab independently in carrying out its duties and responsibilities,
antara lain sebagai berikut: including the following:
1. Melakukan pemantauan dan evaluasi atas: 1. Monitor and evaluate:
a. Kesesuaian antara kebijakan manajemen risiko dan a. Conformity between risk management policies and the
kebijakan manajemen risiko terintegrasi Bank dengan Bank’s integrated risk management policies with the
pelaksanaan kebijakan tersebut. implementation of these policies.
b. Pelaksanaan rencana kerja dan tugas Komite Manajemen b. Implementation of work plans and duties of the Risk
Risiko, Komite Manajemen Risiko Terintegrasi, Satuan Management Committee, Integrated Risk Management
Kerja Manajemen Risiko, serta Satuan Kerja Manajemen Committee, Risk Management Work Unit, and the
Risiko Terintegrasi Bank. Bank’s Integrated Risk Management Work Unit.
c. Kecukupan proses identifikasi, pengukuran, c. Adequacy of identification, measurement, monitoring,
pemantauan, pengendalian dan sistem informasi control processes and risk management information
manajemen risiko. systems.
d. Kepatuhan Bank terhadap Anggaran Dasar, peraturan d. Bank compliance with the Articles of Association,
Otoritas Pengawas Bank dan Pasar Modal, serta regulations of the Bank and Capital Market Supervisory
peraturan perundangan lainnya yang terkait dengan Authority, as well as other laws and regulations related
manajemen risiko. to risk management.
2. Melakukan pemantauan dan penelaahan atas: 2. Monitor and review:
a. Laporan Tingkat Kesehatan Bank berbasis risiko. a. Risk-based Bank Soundness Level Report.
b. Laporan lainnya terkait dengan pengelolaan 10 b. Other reports related to the management of 10
(sepuluh) jenis risiko yaitu Risiko Kredit, Risiko Pasar, (ten) types of risk, namely Credit Risk, Market Risk,
Risiko Operasional, Risiko Likuiditas, Risiko Hukum, Operational Risk, Liquidity Risk, Legal Risk, Compliance
Risiko Kepatuhan, Risiko Reputasi, Risiko Stratejik, Risk, Reputation Risk, Strategic Risk, Intra Group
Risiko Transaksi Intra Group, dan Risiko Asuransi. Transaction Risk, and Insurance Risk.
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c. Kebijakan umum perkreditan serta kewajiban lainnya c. General credit policies and other obligations required
yang diwajibkan Regulator untuk disampaikan kepada by the Regulator to be submitted to the Board of
Dewan Komisaris oleh Direksi. Commissioners by the Board of Directors.
3. Memberikan rekomendasi kepada Dewan Komisaris atas: 3. Provide recommendation to the Board of Commissioners
regarding:
a. Hal-hal yang dapat mendukung peningkatan efektivitas a. Matters that can support the improvement in the
pelaksanaan manajemen risiko di Bank. effectiveness of risk management implementation in
the Bank.
b. Kesesuaian antara kebijakan manajemen risiko Bank b. Conformity between the Bank’s risk management
dan kebijakan manajemen risiko terintegrasi dengan policies and integrated risk management policies with
pelaksanaan kebijakan tersebut. the implementation of these policies.
c. untuk memastikan bahwa Bank telah mengelola risiko- c. Ensure that the Bank has managed risks adequately.
risiko secara memadai.
d. Pelaksanaan rencana kerja dan tugas Komite Manajemen d. Implementation of work plans and duties of the Risk
Risiko, Komite Manajemen Risiko Terintegrasi, Satuan Management Committee, Integrated Risk Management
Kerja Manajemen Risiko, serta Satuan Kerja Manajemen Committee, Risk Management Work Unit, and the
Risiko Terintegrasi Bank. Bank’s Integrated Risk Management Work Unit.
4. Melakukan pertemuan secara berkala dengan unit-unit 4. Hold regular meetings with related work units to discuss
kerja terkait guna membahas hal-hal yang berada dalam matters within the scope of their supervision.
lingkup pengawasannya.
5. Melaporkan hasil pemantauan dan penelaahan secara 5. Report the results of monitoring and reviews periodically, as
berkala, serta memberi masukan atas hal-hal yang perlu well as provide input on matters that need the attention of
menjadi perhatian Dewan Komisaris. the Board of Commissioners.
6. Menyusun Piagam Kerja Komite Pemantau Risiko dan 6. Develop a Risk Oversight Committee Work Charter and
melakukan reviu sesuai kebutuhan paling kurang 2 (dua) conduct reviews as needed at least once every 2 (two) years.
tahun sekali.
7. Ketua Komite Pemantau Risiko bertugas dan bertanggung 7. The Head of the Risk Oversight Committee is tasked and
jawab untuk melakukan koordinasi atas seluruh kegiatan responsible for coordinating all Committee activities to
Komite untuk memenuhi tujuan Komite sesuai dengan fulfil the Committee’s objectives in accordance with its
pembentukannya. formation.
8. Ketua dan anggota Komite Pemantau Risiko bertanggung 8. The head and members of the Risk Oversight Committee
jawab untuk hal-hal sebagai berikut: are responsible for the following matters:
a. Menentukan rencana kerja tahunan. a. Determine the annual work plan.
b. Menentukan jadwal rapat tahunan. b. Determine the annual meeting schedule.
c. Membuat laporan berkala mengenai kegiatan Komite c. Make periodic reports regarding Committee activities
serta hal-hal yang dirasakan perlu untuk menjadi and matters deemed necessary for the attention of the
perhatian Dewan Komisaris. Board of Commissioners.
d. Menunjuk anggota Komite Pemantau Risiko non Dewan d. Appoint non-Board of Commissioners Risk Oversight
Komisaris atau menunjuk pihak ketiga lainnya sebagai Committee members or appoint other third parties as
sekretaris Komite untuk mencatat Rapat Komite dan Committee secretaries to record Committee Meetings
membuat Risalah Rapat Komite. and prepare Minutes of Committee Meetings.
e. Menghadiri rapat. e. Attend meetings.
f. Berperan aktif dan memberikan kontribusinya dalam f. Play an active role and contribute to every Committee
setiap kegiatan Rapat Komite. Meeting activity.
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Wewenang Komite Pemantau Risiko Risk Oversight Committee Authority
Dalam melaksanakan tugasnya, Komite memiliki wewenang In performing its duties, the Committee is authorized to:
sebagai berikut:
1. Melakukan komunikasi dengan Kepala Unit Kerja dan pihak- 1. Communicate with the Head of Work Unit and other parties
pihak lain di Bank untuk memperoleh informasi, klarifikasi in the Bank to obtain information, clarification and request
serta meminta dokumen dan laporan yang diperlukan. necessary documents and reports.
2. Mengakses catatan atau informasi tentang pegawai, dana, 2. Access records or information about employees, funds,
aset serta sumber daya perusahaan lainnya yang berkaitan assets and other company resources related to the
dengan pelaksanaan tugasnya. implementation of its duties.
3. Memperoleh Laporan Profil Risiko, Laporan Tingkat 3. Obtain Risk Profile Reports, Bank Health Level Reports,
Kesehatan Bank, dan Laporan lainnya terkait penerapan and other reports related to the implementation of risk
manajemen risiko di Bank. management in the Bank.
4. Mendapatkan masukan dan atau saran dari pihak luar Bank 4. Obtain input and/or suggestions from parties outside the
yang berkaitan dengan tugasnya. Bank related to its duties.
5. Melakukan kewenangan lain yang diberikan oleh Dewan 5. Carry out other authorities granted by the Board of
Komisaris. Commissioners.
Independensi Anggota Komite Pemantau Risiko Risk Oversight Committee Independence
Anggota Komite Pemantau Risiko berasal dari pihak Members of the Risk Oversight Committee come from
independen dan tidak memiliki hubungan keuangan, independent parties and do not have financial, management,
kepengurusan, kepemilikan dan/atau keluarga dengan anggota ownership and/or family relationships with members of the
Dewan Komisaris, Direksi, dan Pemegang Saham Pengendali Board of Commissioners, Board of Directors, and Controlling
atau hubungan dengan Bank yang dapat mempengaruhi Shareholders or relationships with the Bank that may affect
kemampuannya untuk bertindak independen Seluruh their ability to act independently. All members of the Risk
anggota Komite Pemantau Risiko telah menandatangani surat Oversight Committee have signed an independent statement
pernyataan independen yang didokumentasikan oleh Bank. letter documented by the Bank.
Aspek Independensi Siswandi Pujo
Rosmaya Lista Irna
Independence Aspect Sasongko
Tidak memiliki hubungan afiliasi dengan Pemegang Saham, Dewan
Komisaris, serta Direksi.
✓ ✓ ✓
Has no affiliation with the Shareholders, the Board of Commissioners,
and the Board of Directors.
Tidak memiliki hubungan usaha secara langsung dan tidak langsung
dengan perusahaan.
✓ ✓ ✓
Has no direct or indirect business relationship with the Company.
Tidak memiliki hubungan kepengurusan dengan perusahaan.
Has no management relationship with the Company.
✓ ✓ ✓
Tidak memiliki saham langsung maupun tidak langsung di perusahaan.
Does not own direct or indirect shares in the Company.
✓ ✓ ✓
Keterangan | Description:
✓ = ada | has relationship
× = tidak ada | has no relationship
Rapat Komite Pemantau Risiko Risk Oversight Committee Meeting
Komite Pemantau Risiko dapat menyelenggarakan rapat The Risk Oversight Committee may hold meetings at least once
sekurang-kurangnya sebanyak 1 (satu) kali dalam 1 (satu) bulan a month, as stipulated in the Risk Oversight Committee Charter.
sebagaimana diatur dalam Piagam Komite Pemantau Risiko. These meetings may be attended by members of the Board
Pada penyelenggaraannya, rapat ini dapat dihadiri oleh anggota of Commissioners and members of the Board of Directors, if
Dewan Komisaris dan anggota Direksi apabila diperlukan. necessary. The frequency and detailed agenda of Risk Oversight
Adapun frekuensi dan rincian agenda rapat Komite Pemantau Committee meetings throughout 2025 are as follows:
Risiko sepanjang tahun 2025 adalah sebagai berikut:
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Nama Jabatan Jumlah Kehadiran Rapat
Name Position Total Meeting Attendance
Rosmaya Ketua 27 (100%)
Chairperson
Siswandi Pujo Sasongko Anggota 27 (100%)
Member
Lista Irna Anggota 27 (100%)
Member
Tanggal Rapat Agenda Rapat Peserta Rapat
No
Date Meeting Agenda Participants
1 8 Januari 2025 Update Kinerja Vendor, Procurement dan Facility Management 1. Rosmaya
January 8, 2025 Update on Vendor Performance, Procurement and Facility Management 2. Lista Irna
3. Siswandi Pujo Sasongko
2 15 Januari 2025 Penerapan Strategi Anti fraud semester II Tahun 2024 1. Rosmaya
January 15, 2025 Implementation of Anti-fraud Strategy in the Second Semester of 2024 2. Lista Irna
3. Siswandi Pujo Sasongko
3 3 Februari 2025 Pembahasan CKPN 1. Rosmaya
February 3, 2025 Discussion of CKPN 2. Lista Irna
3. Siswandi Pujo Sasongko
4 5 Februari 2025 Approval for February 2025 Funding Campaigns 1. Rosmaya
February 5, 2025 2. Lista Irna
3. Siswandi Pujo Sasongko
5 10 Februari 2025 Update Bank Devisa 1. Rosmaya
February 10, 2025 Update in Foreign Exchange Bank 2. Lista Irna
3. Siswandi Pujo Sasongko
6 12 Februari 2025 Cyber Security Risk Limit Proposal 1. Rosmaya
February 12, 2025 2. Lista Irna
3. Siswandi Pujo Sasongko
7 17 Maret 2025 Share Risk Culture Program 4. Rosmaya
March 17, 2025 5. Lista Irna
6. Siswandi Pujo Sasongko
8 24 Maret 2025 Update VDC, Bank Devisa/Valas dan DFB 1. Rosmaya
March 24, 2025 Update on VDC, Foreign Exchange Bank and DFB 2. Lista Irna
3. Siswandi Pujo Sasongko
9 23 April 2025 Pembahasan Laporan Self Assessment Profil Risiko Q1 2025 1. Rosmaya
April 23, 2025 Discussion of the Q1 2025 Risk Profile Self-Assessment Report 2. Lista Irna
3. Siswandi Pujo Sasongko
10 30 April 2025 Penyampaian Rencana Kerja Human Capital 2025 1. Rosmaya
April 30, 2025 Submission of the 2025 Human Capital Work Plan 2. Lista Irna
3. Siswandi Pujo Sasongko
11 21 Mei 2025 Pembahasan Tindaklanjut Laporan Hasil Audit Terkait Pay Later dan Instant Cash 1. Rosmaya
May 21, 2025 Discussion of Follow-up to the Audit Report Regarding Pay Later and Instant Cash 2. Lista Irna
3. Siswandi Pujo Sasongko
12 26 Mei 2025 1. Pembahasan Update Penanganan Collection; 1. Rosmaya
May 26, 2025 2. Pembahasan Mengenai Support Dari Unit Data Analytics & Artificial Intelligent 2. Lista Irna
Untuk Optimalisasi Proses Collection 3. Siswandi Pujo Sasongko
1. Discussion of Collection Management Updates;
2. Discussion of Support from the Data Analytics and Artificial Intelligence Units to
Optimize the Collection Process
13 16 Juni 2025 Pembahasan Financial Performance Bulan Mei 2025 1. Rosmaya
June 16, 2025 Discussion of Financial Performance for May 2025 2. Lista Irna
3. Siswandi Pujo Sasongko
14 18 Juni 2025 Pembahasan Update Perkembangan Digital Non Lending Product 1. Rosmaya
June 18, 2025 Discussion of Updates on the Development of Digital Non-Lending Products 2. Lista Irna
3. Siswandi Pujo Sasongko
15 7 Juli 2025 Policy & Procedure (P&P) Update 1. Rosmaya
July 7, 2025 2. Lista Irna
3. Siswandi Pujo Sasongko
16 16 Juli 2025 Pembahasan Laporan Kinerja Keuangan Q2 2025 1. Rosmaya
July 16, 2025 Discussion of Q2 2025 Financial Performance Report 2. Lista Irna
3. Siswandi Pujo Sasongko
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Tanggal Rapat Agenda Rapat Peserta Rapat
No
Date Meeting Agenda Participants
17 30 Juli 2025 Pembahasan Laporan Self Assesment Profil Risiko dan Tingkat Kesehatan Bank Q2 1. Rosmaya
July 30, 2025 2025 2. Lista Irna
Discussion of the Self-Assessment Report on Bank Risk Profiles and Health Levels Q2 3. Siswandi Pujo Sasongko
2025
18 11 Agustus 2025 Pembahasan Update Pipeline Treasury 1. Rosmaya
August 11, 2025 Discussion of Pipeline Treasury Update 2. Lista Irna
3. Siswandi Pujo Sasongko
19 20 Agustus 2025 Update Pipeline Funding 1. Rosmaya
August 20, 2025 Pipeline Funding Update 2. Lista Irna
3. Siswandi Pujo Sasongko
20 1 September 2025 Pembahasan Update Portofolio dan Strategi Layanan Penanganan Komplain Nasabah 1. Rosmaya
September 1, 2025 (Customer Care) 2. Lista Irna
Discussion of Portfolio Updates and Customer Care Complaint Handling Service Strategy 3. Siswandi Pujo Sasongko
21 8 September 2025 Pembahasan Update Portofolio & Strategi Collection Bulan Juli 2025 1. Rosmaya
September 8, 2025 Discussion of Portfolio Update and Collection Strategy for July 2025 2. Lista Irna
3. Siswandi Pujo Sasongko
22 6 Oktober 2025 Pembahasan Update Perkembangan Legal di Tahun 2025 1. Rosmaya
October 6, 2025 Discussion of Legal Development Updates in 2025 2. Lista Irna
3. Siswandi Pujo Sasongko
23 27 Oktober 2025 Pembahasan Laporan Self Assessment Profil Risiko Q3 2025 1. Rosmaya
October 27, 2025 Discussion of the Q3 2025 Risk Profile Self-Assessment Report 2. Lista Irna
3. Siswandi Pujo Sasongko
24 19 November 2025 Pembahasan Kinerja Keuangan Bulan Oktober 2025 1. Rosmaya
November 19, 2025 Discussion of Financial Performance for October 2025 2. Lista Irna
3. Siswandi Pujo Sasongko
25 10 Desember 2025 Vendor Management (Pengelolaan dan Kinerja Vendor IT/Non IT) 1. Rosmaya
December 10, 2025 Vendor Management (IT/Non-IT Vendor Management and Performance) 2. Lista Irna
3. Siswandi Pujo Sasongko
26 10 Desember 2025 Pembahasan Update Legal Tahun 2025 1. Rosmaya
December 10, 2025 Discussion of the 2025 Legal Update 2. Lista Irna
3. Siswandi Pujo Sasongko
27 22 Desember 2025 Pembahasan Pengelolaan dan Strategic Issue Cyber Risk 1. Rosmaya
December 22, 2025 Discussion of Cyber Risk Management and Strategic Issues 2. Lista Irna
3. Siswandi Pujo Sasongko
Peningkatan Kompetensi Komite Pemantau Risiko Competency Development of Risk Oversight
Committee
Bank memfasilitasi seluruh Komite Pemantau Risiko untuk The Bank facilitates the development of all Risk Oversight
mengembangkan kompetensinya dengan mengikuti program Committee members' competencies by participating in training
pelatihan atau sertifikasi yang dapat mendukung pelaksanaan or certification programs that support the implementation of
tugasnya serta tetap relevan dengan kondisi bisnis terkini. their duties and remain relevant to current business conditions.
Adapun informasi mengenai peningkatan kompetensi Komite Information regarding the Risk Oversight Committee's
Pemantau Risiko sepanjang tahun 2025 dapat dilihat pada Bab competency development throughout 2025 is presented in the
Profil Perusahaan dalam Laporan Tahunan ini. Company Profile chapter of this Annual Report.
Laporan Pelaksanaan Tugas Pemantau Risiko Implementation Report of Risk Oversight
Committee Duties
Sepanjang tahun 2025, Komite Pemantau Risiko telah Throughout 2025, the Risk Oversight Committee conducted
melaksanakan tugasnya melalui sejumlah kegiatan, seperti: the following activities:
1. Memantau dan melakukan evaluasi terhadap delapan 1. Monitor and evaluate the Bank's eight main risk types.
tipe risiko Utama Bank, bukan hanya Risiko Kredit, Risiko They are not only Credit Risk, Operational Risk (especially
Operasional (khususnya cyber security) dan Risiko Reputasi cybersecurity), and Reputational Risk, which are considered
yang dilihat material mengingat positioning Bank sebagai material given the Bank's positioning as a digital-based
bank umum berbasis digital, namun juga risiko Risiko commercial bank, but also Liquidity Risk, Market Risk, Legal
Likuiditas, Risiko Pasar, Risiko Hukum, Risiko Kepatuhan, Risk, Compliance Risk, and Strategic Risk.
Risiko Stratejik.
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2. Memantau dan mengevaluasi kebijakan Manajemen Risiko 2. Monitor and evaluate Risk Management policies and other
dan kebijakan-kebijakan lain yang terkait dengan risiko policies related to the Bank's risks, as well as evaluate the
Bank serta evaluasi kesesuaian antara kebijakan manajemen alignment between risk management policies and their
risiko dengan pelaksanaannya. implementation.
3. Memantau Risk Appetite, termasuk risk appetite statement, 3. Monitor Risk Appetite, including risk appetite statements,
limit toleransi dan limit risiko sesuai dengan matrik tolerance limits, and risk limits in accordance with
risiko yang telah ditetapkan untuk delapan jenis risiko established risk matrices for the eight risk types and
dan ketahanan permodalan, antara lain Internal Capital capital resilience, including the Internal Capital Adequacy
Adequacy Assessment Process dan pelaksanaan stress test. Assessment Process and stress testing.
4. Memantau permodalan Bank dengan mengaitkan tingkat 4. Monitor the Bank's capital by linking risk levels to capital
risiko dengan kecukupan modal untuk mengantisipasi adequacy to anticipate potential losses arising from the
potensi kerugian yang dapat timbul dari aktivitas usaha Bank's business activities.
Bank.
5. Melakukan evaluasi dan memberikan rekomendasi kepada 5. Evaluate and provide recommendations to the Board
Dewan Komisaris terkait pelaksanaan tugas Komite of Commissioners regarding the implementation of the
Manajemen Risiko dan Satuan Kerja Manajemen Risiko; duties of the Risk Management Committee and the Risk
serta memberikan rekomendasi terkait laporan-laporan Management Work Unit. and provide recommendations
kepada OJK seperti: Laporan Profil Risiko, Laporan regarding reports to the Financial Services Authority (OJK),
Kesehatan Bank dan laporan-laporan lainnya dalam rangka such as the Risk Profile Report, Bank Health Report, and
memastikan kesesuaian penyampaian informasi kepada other reports to ensure the appropriateness of information
OJK atas kondisi risiko yang dihadapi Bank. submitted to the OJK regarding the Bank's risk conditions.
6. Memantau Tingkat Kesehatan Bank berdasarkan penilaian 6. Monitor the Bank's Health Level based on self-assessment.
mandiri.
Komite Remunerasi dan Nominasi
Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi adalah komite pendukung The Remuneration and Nomination Committee is a supporting
Dewan Komisaris yang bertugas untuk melakukan pengawasan committee of the Board of Commissioners whose task is to
dan memberikan pendapat yang independen kepada Dewan supervise and provide independent opinions to the Board
Komisaris terkait kebijakan remunerasi dan nominasi. of Commissioners regarding remuneration and nomination
policies.
Dasar Hukum Legal Basis
Pembentukan Komite Remunerasi dan Nominasi berpedoman The establishment of the Remuneration and Nomination
dan berlandaskan kepada peraturan perundang-undangan Committee is guided and based on prevailing laws and
yang berlaku serta best practices yang diterapkan di lembaga regulations, as well as best practices applied in the Indonesia’s
perbankan di Indonesia, termasuk: banking institutions. These include:
1. Peraturan Otoritas Jasa Keuangan (“POJK”) No. 33/ 1. Financial S ervices Authority Regulation (“POJK”) No. 33/
POJK.04/2014 tanggal 8 Desember 2014 tentang Direksi POJK.04/2014 dated December 8, 2014 concerning the
dan Dewan Komisaris Emiten atau Perusahaan Publik. Directors and Board of Commissioners of Issuers or Public
Companies.
2. POJK No. 17/POJK.03/2023 tanggal 14 September 2023 2. POJK No. 17/POJK.03/2023 dated September 14, 2023
tentang Penerapan Tata Kelola bagi Bank Umum. concerning the Implementation of Governance for
Conventional Bank.
3. SEOJK No. 13/SEOJK.03/2017 tanggal 17 Maret 2017 3. SEOJK No. 13/SEOJK.03/2017 dated March 17, 2017
tentang Penerapan Tata Kelola bagi Bank Umum. concerning the Implementation of Governance for
Conventional Bank.
4. POJK No. 34/POJK.04/2014 tanggal 8 Desember 2014 4. POJK No. 34/POJK.04/2014 dated December 8, 2014
tentang Komite Nominasi dan Remunerasi Emiten Atau concerning the Nomination and Remuneration Committees
Perusahaan Publik. for Issuers or Public Companies.
5. Anggaran Dasar Bank. 5. Bank Articles of Association.
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Persyaratan Keanggotaan Komite Remunerasi dan Membership Requirement for Remuneration and
Nominasi Nomination Committee
1. Persyaratan umum: 1. General requirements:
a. Memiliki integritas, akhlak dan moral yang baik. a. Have integrity, good morals and morals.
b. Tidak memiliki kepentingan/keterkaitan pribadi yang b. Have no personal interests/relationships that could give
dapat menimbulkan conflict of interest terhadap Bank. rise to a conflict of interest towards the Bank.
2. Persyaratan Kompetensi: 2. Competency Requirements:
a. Memiliki keahlian, kemampuan, pengetahuan, dan a. Have adequate skills, abilities, knowledge, and
pengalaman yang memadai yang berhubungan dengan experience related to their duties and responsibilities.
tugas dan tanggung jawabnya.
b. Memiliki pengetahuan yang memadai tentang Anggaran b. Have adequate knowledge of the Bank’s Articles of
Dasar Bank, peraturan perundangan di bidang Association, laws and regulations in the banking sector,
perbankan, Pasar Modal dan peraturan perundangan Capital Markets and laws and regulations related to
terkait sumber daya manusia. human resources.
c. Bersedia meningkatkan kompetensi secara terus- c. Be willing to continuously improve competence through
menerus melalui pendidikan dan pelatihan. education and training.
3. Kerahasiaan: 3. Confidentiality:
a. Anggota Komite Remunerasi dan Nominasi wajib a. Members of the Remuneration and Nomination
menjaga kerahasiaan atas seluruh dokumen dan/atau Committee are obliged to maintain the confidentiality
informasi Bank serta segala sesuatu yang berhubungan of all Bank documents and/or information as well as
dengan Bank dan pelaksanaan tugas Komite. Adapun everything related to the Bank and the implementation
pengklasifikasian kerahasiaan dokumen dan/atau of the Committee’s duties. The classification of
informasi Bank tersebut mengacu pada ketentuan confidentiality of Bank documents and/or information
internal dan peraturan perundang-undangan yang refers to internal provisions and applicable laws and
berlaku. regulations.
b. Kewajiban untuk merahasiakan berlaku pula apabila b. The obligation to keep various matters confidential
masa jabatan sebagai anggota Komite Remunerasi also applies if the term of office as a member of the
dan Nominasi maupun masa jabatan sebagai anggota Remuneration and Nomination Committee or the term
Dewan Komisaris di Bank berakhir. of office as a member of the Board of Commissioners
at the Bank ends.
Pedoman Kerja: Piagam Komite Remunerasi dan Work Guidelines: Remuneration and Nomination
Nominasi Committee Charter
Komite Remunerasi dan Nominasi telah memiliki pedoman The Remuneration and Nomination Committee has established
kerja yang ditetapkan dalam Piagam Komite Remunerasi dan working guidelines as set out in the Remuneration and
Nominasi. Piagam tersebut mengatur mengenai tugas dan Nomination Committee Charter. The Charter regulates the
tanggung jawab Komite, wewenang, struktur keanggotaan, Committee's duties and responsibilities, authority, membership
persyaratan keanggotaan, mekanisme kerja, etika, waktu kerja, structure, membership requirements, work mechanisms, ethics,
dan mekanisme rapat. working hours, and meeting procedures.
Masa Tugas Komite Remunerasi dan Nominasi Term of Service of the Remuneration and
Nomination Committee
1. Masa tugas anggota Komite Remunerasi dan Nominasi 1. The term of office of members of the Remuneration and
tidak boleh lebih lama dari masa jabatan Dewan Komisaris Nomination Committee may not be longer than the term
sebagaimana diatur dalam Anggaran Dasar. of office of the Board of Commissioners as regulated in the
Articles of Association.
2. Penggantian anggota Komite Remunerasi dan Nominasi 2. Replacement of members of the Remuneration and
yang bukan berasal dari Dewan Komisaris dilakukan Nomination Committee who are not members of the Board
paling lambat 60 (enam puluh) hari sejak anggota Komite of Commissioners shall be carried out no later than 60
Remunerasi dan Nominasi dimaksud tidak dapat lagi (sixty) days after the members of the Remuneration and
melaksanakan fungsinya. Nomination Committee are no longer able to carry out their
functions.
3. Apabila anggota Dewan Komisaris yang menjadi Ketua 3. If the member of the Board of Commissioners who is the
Komite Remunerasi dan Nominasi berhenti sebelum masa Chair of the Remuneration & Nomination Committee resigns
tugasnya sebagai Komisaris Bank, maka Ketua Komite before his term of office as Bank Commissioner, then the
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Remunerasi dan Nominasi digantikan oleh Komisaris Head of the Remuneration & Nomination Committee will be
Independen lainnya. replaced by another Independent Commissioner.
4. Apabila masa tugas sebagai Dewan Komisaris berakhir, 4. If the term of service as a member of the Board of
maka berakhir pula masa tugasnya sebagai Anggota Komite Commissioners ends, the term of duty as a member of the
Remunerasi dan Nominasi. Remuneration and Nomination Committee also ends.
Komposisi dan Struktur Keanggotaan Komite Composition and Membership Structure of
Remunerasi dan Nominasi Remuneration and Nomination Committee
Ketentuan keanggotaan Komite Remunerasi dan Nominasi The provisions of membership of the Remuneration and
Bank ditetapkan sebagai berikut: Nomination Committee are determined as follows:
1. Komposisi keanggotaan Komite Remunerasi dan Nominasi 1. The membership composition of the Remuneration and
wajib beranggotakan paling sedikit: Nomination Committee must consist of at least:
a. 1 (satu) orang Komisaris Independen sebagai Ketua a. 1 (one) Independent Commissioner as Chairperson and
merangkap anggota; member;
b. 1 (satu) orang Komisaris Non-Independen; b. 1 (one) Non-Independent Commissioner;
c. 1 (satu) orang Pejabat Eksekutif yang membawahi fungsi c. 1 (one) Executive Officer in charge of Human Resources
Sumber Daya Manusia. functions.
2. Anggota Direksi Bank maupun Bank lain dilarang menjadi 2. Members of the Board of Directors of the Bank or
anggota Komite Remunerasi dan Nominasi. other Banks are prohibited from being members of the
Remuneration and Nomination Committee.
3. Dalam hal Anggota Komite Remunerasi dan Nominasi 3. In the event that the members of the Remuneration and
ditetapkan lebih dari 3 (tiga) orang, maka Komisaris Nomination Committee are determined to be more than 3
Independen paling sedikit berjumlah 2 (dua) orang. (three) people, the number of Independent Commissioners
shall be at least 2 (two) people.
4. Ketua Komite Remunerasi dan Nominasi hanya dapat 4. The Head of the Remuneration and Nomination Committee
merangkap jabatan sebagai ketua Komite paling banyak can only hold the same position as Committee Chair in a
pada 1 (satu) Komite lainnya. maximum of 1 (one) other Committee.
Hingga 31 Desember 2025, susunan dan komposisi Komite As of December 31, 2025, the structure and composition of the
Remunerasi dan Nominasi tidak mengalami perubahan dengan Remuneration and Nomination Committee did not experience
rincian sebagai berikut: any changes, so it:
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Jabatan
Name Position Basis of Appointment Term of Office
Period
Aviliani Ketua Surat Keputusan No. SK: 090/DIRAB/23 tanggal 1 November Mengikuti masa jabatan sebagai Dewan
Chairperson 2023 tentang Komite Remunerasi dan Nominasi Komisaris
Decree No. SK: 090/DIRAB/23 dated November 1, 2023 Following the term of office of the Board of
concerning Remuneration and Nomination Committee Commissioners
Ali Gunawan Anggota Surat Keputusan No. SK: 090/DIRAB/23 tanggal 1 November Mengikuti masa jabatan sebagai Dewan
Member 2023 tentang Komite Remunerasi dan Nominasi Komisaris
Decree No. SK: 090/DIRAB/23 dated November 1, 2023 Following the term of office of the Board of
concerning Remuneration and Nomination Committee Commissioners
Netty Delima Anggota Surat Keputusan No. 090/DIRAB/23 tanggal 1 November 2 tahun
Simanjuntak Member 2023 tentang Komite Remunerasi dan Nominasi 2 years
Decree No. SK: 090/DIRAB/23 dated November 1, 2023
concerning Remuneration and Nomination Committee
AVILIANI
● Ketua Remunerasi dan Nominasi | Komisaris Utama Independen
Head of Remuneration and Nomination Committee | Independent President Commissioner
Profil Aviliani selaku Ketua Komite Remunerasi dan Nominasi/Komisaris Aviliani's profile as Chair of the Remuneration and Nomination
Utama Independen dapat dilihat pada bagian Profil Dewan Komisaris Committee/Independent President Commissioner can be seen in
dalam Bab Profil Perusahaan Laporan Tahunan ini. the Board of Commissioners Profile section in the Company Profile
Chapter of this Annual Report.
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ALI GUNAWAN
● Anggota Komite Remunerasi dan Nominasi | Komisaris
Member of Remuneration and Nomination Committee | Commissioner
Profil Ali Gunawan selaku anggota Komite Remunerasi dan Nominasi/ The profile of Ali Gunawan as a member of the Remuneration and
Komisaris dapat dilihat pada bagian Profil Dewan Komisaris dalam Bab Nomination Committee/Commissioner is presented in the Profile of the
Profil Perusahaan Laporan Tahunan ini. Board of Commissioners section in the Company Profile Chapter of
this Annual Report.
NETTY DELIMA
SIMANJUNTAK
● Anggota Komite Remunerasi dan Nominasi
Member of Remuneration and Nomination Committee
Kewarganegaraan Indonesia
Citizenship Indonesian
Usia 49 tahun
Age 49 years old
Kelahiran Jakarta, 24 April 1976
Place and Jakarta, April 24, 1976
Date of Birth
Domisili Rawamangun, Jakarta Timur
Domicile Rawamangun, East Jakarta
Riwayat Pendidikan | Educational Background
• S1 Psikologi • Bachelor of Psychology
• S2 Profesi Psikolog • Master’s Degree in Psychology
Riwayat Pekerjaan | Employment History
• Expert Consultant, 2001 - 2006 • Expert Consultant, 2001 - 2006
• Hutchison CP Telecommunication, 2006 - 2008 • Hutchison CP Telecommunication, 2006 - 2008
• Adira Dinamika Multi Finance, 2008 - 2012 • Adira Dinamika Multi Finance, 2008 - 2012
• Dinamika Talenta Consultant, 2012 - 2014 • Dinamika Talenta Consultant, 2012 - 2014
• Bank CTBC Indonesia, 2014 - 2017 • Bank CTBC Indonesia, 2014 - 2017
• Bank Mega, 2017 - 2023 • Bank Mega, 2017 - 2023
Pendidikan dan/atau Sertifikasi Profesi yang Berlaku | Applicable Education and/or Professional Certification
• Psychologist Practitioner Certification, 2001 • Psychologist Practitioner Certification, 2001
• Coaching Practitioner Certification, 2020 • Coaching Practitioner Certification, 2020
• Sertifikasi Manajemen Risiko Jenjang 5, 2024/Risk Management • Sertifikasi Manajemen Risiko Jenjang 5, 2024/Risk Management
Certification Level 5, 2024 Certification Level 5, 2024
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Tugas dan Tanggung Jawab Komite Remunerasi Duties and Responsibilities of Remuneration and
dan Nominasi Nomination Committee
Dalam menjalankan fungsinya, Komite harus bertindak secara In carrying out its functions, the Committee must act
independen dalam melaksanakan tugas dan tanggung jawab independently in carrying out its duties and responsibilities,
antara lain sebagai berikut: including the following:
1. Terkait Kebijakan Remunerasi: 1. Regarding Remuneration Policy:
a. Memberikan rekomendasi kepada Dewan Komisaris a. Provide recommendations to the Board of
Mengena: Commissioners regarding:
• Struktur remunerasi; • Remuneration structure;
• Kebijakan atas remunerasi; dan • Policies on remuneration; and
• Besaran atas remunerasi bagi Anggota Direksi dan/ • Amount of remuneration for Members of the Board
atau Anggota Dewan Komisaris. of Directors and/or Members of the Board of
Commissioners.
b. Struktur, kebijakan, dan besaran remunerasi b. The structure, policies and amount of remuneration
sebagaimana dimaksud di atas wajib dievaluasi oleh as referred to above must be evaluated by the
Komite Remunerasi dan Nominasi paling kurang 1 (satu) Remuneration and Nomination Committee at least 1
kali dalam 1 (satu) tahun. (one) time in 1 (one) year.
c. Struktur remunerasi sebagaimana dimaksud di atas c. The remuneration structure as referred to above
dapat berupa gaji, honorarium, insentif, dan/atau may include salary, honorarium, incentives and/or
tunjangan yang bersifat tetap dan/atau variable. allowances which are fixed and/or variable.
d. Membantu Dewan Komisaris melakukan penilaian d. Assist the Board of Commissioners in conducting
kinerja dengan kesesuaian remunerasi yang diterima performance assessments according to the
masing-masing anggota Direksi dan/atau anggota remuneration received by each member of the
Dewan Komisaris. Board of Directors and/or members of the Board of
Commissioners.
e. Melakukan evaluasi terhadap kebijakan remunerasi e. Evaluate remuneration policies based on performance,
yang didasarkan atas kinerja, risiko, kewajaran dengan risk, fairness with peer groups, targets and long-term
peer group, sasaran, dan strategi jangka panjang strategies of the Bank, fulfilment of reserves as regulated
Bank, pemenuhan cadangan sebagaimana diatur in statutory regulations and the Bank’s potential income
dalam peraturan perundang-undangan dan potensi in the future.
pendapatan Bank di masa yang akan datang.
f. Menyampaikan hasil evaluasi dan rekomendasi kepada f.Submit evaluation results and recommendations to the
Dewan Komisaris mengenai: Board of Commissioners regarding:
• Kebijakan remunerasi bagi Direksi dan Dewan • Remuneration policy for Directors and Board of
Komisaris untuk disampaikan kepada Rapat Umum Commissioners to be submitted to the General
Pemegang Saham; dan Meeting of Shareholders; and
• Kebijakan remunerasi bagi pegawai secara • The remuneration policy for employees as a whole
keseluruhan untuk disampaikan kepada Direksi. is to be submitted to the Board of Directors.
g. Memastikan bahwa kebijakan remunerasi telah sesuai g. Ensure that the remuneration policy is in accordance
dengan ketentuan yang berlaku. with applicable regulations.
h. Melakukan evaluasi secara berkala terhadap penerapan h. Conduct regular evaluations of the implementation of
kebijakan remunerasi di Bank. remuneration policies at the Bank.
2. Terkait Kebijakan Nominasi: 2. Regarding Nomination Policy:
a. Menyusun dan memberikan rekomendasi kepada a. Prepare and provide recommendations to the Board of
Dewan Komisaris mengenai: Commissioners regarding:
• Komposisi jabatan anggota Direksi dan/atau • Composition of positions of members of the
anggota Dewan Komisaris. Board of Directors and/or members of the Board o
Commissioners.
• Kebijakan dan kriteria yang dibutuhkan dalam • Policies and criteria required in the Nomination
proses Nominasi. process.
• Kebijakan evaluasi kinerja bagi anggota Direksi dan/ • Performance evaluation policy for members of the
atau anggota Dewan Komisaris. Board of Directors and/or members of the Board of
Commissioners.
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b. Menyusun kebijakan evaluasi kinerja dan melakukan b. Develop performance evaluation policies and assess
penilaian kinerja Direksi dan/atau Dewan Komisaris the performance of the Board of Directors and/or the
berdasarkan tolok ukur yang telah disusun sebagai Board of Commissioners based on benchmarks that
bahan evaluasi. have been prepared as evaluation material.
c. Memberikan rekomendasi kepada Dewan Komisaris c. Provide recommendations to the Board of
mengenai program pengembangan kemampuan Commissioners regarding capacity development
anggota Direksi dan/atau anggota Dewan Komisaris. programs for members of the Board of Directors and/or
members of the Board of Commissioners.
d. Mengidentifikasi dan memberikan rekomendasi d. Identify and provide recommendations regarding
mengenai calon anggota Direksi dan/atau calon prospective members of the Board of Directors and/or
anggota Dewan Komisaris kepada Dewan Komisaris prospective members of the Board of Commissioners
untuk disampaikan kepada Rapat Umum Pemegang to the Board of Commissioners to be submitted to the
Saham. General Meeting of Shareholders.
e. Memberikan rekomendasi kepada Dewan Komisaris e. Provide recommendations to the Board of
mengenai Pihak Independen yang akan menjadi Commissioners regarding Independent Parties who
Anggota Komite Audit dan Anggota Komite Pemantau will become Members of the Audit Committee and
Risiko Bank. Members of the Bank Risk Oversight Committee.
3. Menyusun Piagam Kerja Komite Remunerasi dan Nominasi 3. Prepare a Remuneration and Nomination Committee Work
dan melakukan tinjauan sesuai kebutuhan paling kurang 2 Charter and conduct reviews as needed at least once every
(dua) tahun sekali. 2 (two) years.
4. Ketua Komite Remunerasi dan Nominasi bertugas dan 4. The Head of the Remuneration and Nomination Committee
bertanggung jawab untuk melakukan koordinasi atas is tasked with and responsible for coordinating all
seluruh kegiatan Komite untuk memenuhi tujuan Komite Committee activities to fulfil the Committee’s objectives in
sesuai dengan pembentukannya. accordance with its formation.
5. Ketua dan Anggota Komite Remunerasi dan Nominasi 5. The Head of Members of the Remuneration and Nomination
bertanggung jawab untuk hal-hal sebagai berikut: Committee are responsible for the following matters:
a. Menentukan rencana kerja tahunan; a. Determine the annual work plan;
b. Menentukan jadwal rapat tahunan; b. Determine the annual meeting schedule;
c. Membuat laporan berkala mengenai kegiatan Komite c. Make periodic reports regarding Committee activities
serta hal-hal yang dirasakan perlu untuk menjadi and matters deemed necessary for the attention of the
perhatian Dewan Komisaris; Board of Commissioners;
d. Menghadiri rapat; d. Attend meetings;
e. Berperan aktif dan memberikan kontribusinya dalam e. Play an active role and contribute to every Committee
setiap kegiatan Rapat Komite. Meeting activity.
Wewenang Komite Remunerasi dan Nominasi Authority of Remuneration and Nomination
Committee
Dalam melaksanakan tugasnya, Komite memiliki wewenang In carrying out its duties, the Committee has the following
sebagai berikut: authorities:
1. Melakukan komunikasi dengan Kepala Unit Kerja dan pihak- 1. Communicate with the Head of Work Unit and other parties
pihak lain di Bank untuk memperoleh informasi, klarifikasi at the Bank to obtain information, clarification and request
serta meminta dokumen dan laporan yang diperlukan. necessary documents and reports.
2. Mengakses catatan atau informasi tentang pegawai, dana, 2. Access records or information about employees, funds,
aset serta sumber daya perusahaan lainnya yang berkaitan assets and other company resources related to the
dengan pelaksanaan tugasnya. implementation of their duties.
3. Mendapatkan masukan dan atau saran dari pihak luar Bank 3. Obtain input and/or suggestions from parties outside the
yang berkaitan dengan tugasnya. Bank related to their duties.
4. Melakukan kewenangan lain yang diberikan oleh Dewan 4. Carry out other authorities granted by the Board of
Komisaris. Commissioners.
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Independensi Anggota Komite Remunerasi dan Independence of Remuneration and Nomination
Nominasi Committee Members
Seluruh anggota komite senantiasa bertindak secara All committee members always act independently in carrying
independen dalam melaksanakan fungsi dan tugas Dewan out the functions and duties of the Board of Commissioners
Komisaris terkait remunerasi dan nominasi terhadap anggota regarding remuneration and nomination of members of the
Direksi dan anggota Dewan Komisaris untuk terus memperkuat Board of Directors and members of the Board of Commissioners
sistem dan remunerasi Bank yang berbasis kinerja. Piagam to continue to strengthen the Bank's performance-based
Komite Remunerasi dan Nominasi mengatur tentang bagaimana system and remuneration. The Remuneration and Nomination
masing-masing anggota Komite dalam menjalankan aktivitas Committee Charter regulates how each Committee member
profesionalnya secara terstruktur, sistematis, mudah dipahami carries out their professional activities in a structured, systematic,
dan konsisten, sehingga dapat dijadikan acuan bagi mereka easy-to-understand and consistent manner, so that it can be
dalam melaksanakan tugas dan tanggung jawab serta used as a reference for them in carrying out their duties and
meningkatkan kualitas dan efektifitas kerja antara berbagai responsibilities and improving the quality and effectiveness of
organ dalam Bank. work between various organs within the Bank.
Penyelenggaraan Rapat Komite Remunerasi dan Implementation of Remuneration and Nomination
Nominasi Committee Meetings
Komite Remunerasi dan Nominasi dapat menyelenggarakan The Remuneration and Nomination may convene meetings with
rapat dengan ketentuan sebagai berikut: the following conditions:
1. Komite Remunerasi dan Nominasi mengadakan rapat 1. The Remuneration and Nomination Committee holds
secara berkala paling sedikit 1 kali dalam 3 (tiga) bulan. regular meetings at least once every 3 (three) months.
2. Rapat Komite hanya dapat dilaksanakan jika dihadiri 2. Committee meetings can only be held if attended by the
mayoritas anggota komite, termasuk kehadiran: majority of committee members, including the presence of:
a. 1 (satu) orang Komisaris Independen; dan a. 1 (one) Independent Commissioner; and
b. 1 (satu) orang Pejabat Eksekutif yang membawahkan b. 1 (one) Executive Officer in charge of the Human
fungsi Sumber Daya Manusia. Resources function.
3. Keputusan rapat Komite Remunerasi dan Nominasi diambil 3. Remuneration and Nomination Committee meeting
berdasarkan musyawarah untuk mufakat. decisions are taken based on deliberation to reach
consensus.
4. Dalam hal tidak terjadi musyawarah mufakat sebagaimana 4. In the event that consensus deliberation as referred to in
dimaksud pada butir 3, pengambilan keputusan dilakukan point 3 does not occur, decisions are made based on the
berdasarkan suara terbanyak. majority vote.
5. Setiap rapat Komite Remunerasi dan Nominasi dituangkan 5. Every meeting of the Remuneration and Nomination
dalam risalah rapat, termasuk apabila terdapat perbedaan Committee is outlined in the minutes of the meeting,
pendapat, yang ditandatangani oleh seluruh anggota including differences of opinion, which are signed by all
Komite yang hadir. Committee members present.
6. Rapat dapat dilakukan baik secara tatap muka maupun 6. Meetings can be held either face-to-face or virtually via
virtual melalui media telekonferensi atau sarana media teleconferencing or other media facilities that enable all
lainnya yang memungkinkan semua peserta Rapat Komite Committee Meeting participants to see and hear each other
saling melihat dan mendengar secara langsung serta directly and participate in the meeting.
berpartisipasi dalam rapat.
Di tahun 2025, Komite Remunerasi dan Nominasi telah In 2025, the Remuneration and Nomination Committee held
menyelenggarakan rapat sebanyak 13 kali dengan frekuensi 13 (thirteen) meetings with the following attendance frequency
kehadiran dan rincian agenda pembahasan sebagai berikut: and discussion agenda details:
Nama Jabatan Jumlah Kehadiran Rapat
Name Position Number of Meeting Attendance
Aviliani Ketua Komite Remunerasi dan Nominasi 13 (100%)
Head of Remuneration and Nomination Committee
Ali Gunawan Anggota Komite Remunerasi dan Nominasi 13 (100%)
Member of Remuneration and Nomination Committee
Netty Delima Simanjuntak Anggota Komite Remunerasi dan Nominasi 13 (100%)
Member of Remuneration and Nomination Committee
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Tanggal Rapat Agenda Rapat Peserta Rapat
No.
Date Meeting Agenda Meeting Participants
1 8 Januari 2025 Pembahasan Remunerasi dan Fasilitas Tenaga Kerja Asing (TKA) PT Allo Bank Indonesia Tbk 1. Aviliani
January 8, 2025 Discussion of Remuneration and Facilities for Foreign Workers (TKA) at PT Allo Bank 2. Ali Gunawan
Indonesia Tbk 3. Netty Delima Simanjuntak
2 10 Februari 2025 Pembahasan Kandidat Tenaga Kerja Asing (TKA) PT Allo Bank Indonesia Tbk 1. Aviliani
February 10, 2025 Discussion of Foreign Worker Candidates (TKA) for PT Allo Bank Indonesia Tbk 2. Ali Gunawan
3. Netty Delima Simanjuntak
3 19 Februari 2025 Evaluasi Kinerja Allo Bank Periode 2024 1. Aviliani
February 19, 2025 Performanc Evaluation of Allo Bank for the Period of 2024 2. Ali Gunawan
3. Netty Delima Simanjuntak
4 24 Februari 2025 Pembahasan SDM di Level Pimpinan untuk Mendukung Pengembangan Bisnis Retail 1. Aviliani
February 24, 2025 dan Wholesale PT Allo Bank Indonesia Tbk 2. Ali Gunawan
Discussion of HR at the Leadership Level to Support the Development of PT Allo Bank 3. Netty Delima Simanjuntak
Indonesia Tbk's Retail and Wholesale Businesses
5 9 April 2025 Pembahasan Rapat Umum Pemegang Saham Tahunan PT Allo Bank Indonesia Tbk 1. Aviliani
April 9, 2025 2025 2. Ali Gunawan
Discussion of the 2025 Annual General Meeting of Shareholders of PT Allo Bank 3. Netty Delima Simanjuntak
Indonesia Tbk
6 23 April 2025 Pembahasan Remunerasi Pengurus PT Allo Bank Indonesia Tbk Periode 2025-2026 1. Aviliani
April 23, 2025 Discussion of Remuneration of PT Allo Bank Indonesia Tbk Management for the 2025- 2. Ali Gunawan
2026 Period 3. Netty Delima Simanjuntak
7 28 April 2025 Pembahasan Peninjauan Gaji Karyawan dan Apresiasi Kinerja Karyawan Periode Tahun 1. Aviliani
April 28, 2025 2024 2. Ali Gunawan
Discussion of Employee Salary Review and Employee Performance Appreciation for the 3. Netty Delima Simanjuntak
Period of 2024
8 10 Juli 2025 Pembahasan Perubahan Pengurus PT Allo Bank Indonesia Tbk 1. Aviliani
July 10, 2025 Discussion of Changes to the Management of PT Allo Bank Indonesia Tbk 2. Ali Gunawan
3. Netty Delima Simanjuntak
9 23 Juli 2025 Pembahasan Penilaian Kemampuan dan Kepatutan Kandidat Wholesale & Treasury 1. Aviliani
July 23, 2025 Director 2. Ali Gunawan
Discussion of the Fit and Proper Assessment of Wholesale & Treasury Director 3. Netty Delima Simanjuntak
Candidates
10 22 September 2025 Pembahasan Pengkinian Struktur Organisasi PT Allo Bank Indonesia Tbk 1. Aviliani
September 22, 2025 Discussion of the Updated Organizational Structure of PT Allo Bank Indonesia Tbk 2. Ali Gunawan
3. Netty Delima Simanjuntak
11 24 September 2025 Pembahasan Rapat Umum Pemegang Saham Luar Biasa PT Allo Bank Indonesia Tbk 1. Aviliani
September 24, 2025 2025 2. Ali Gunawan
Discussion of the Extraordinary General Meeting of Shareholders of PT Allo Bank 3. Netty Delima Simanjuntak
Indonesia Tbk 2025
12 19 November 2025 Pembahasan Perpanjangan Masa Tugas Plt. President Director PT Allo Bank Indonesia Tbk 1. Aviliani
November 19, 2025 Discussion of the Extension of the Term of Office of the Acting President Director of PT 2. Ali Gunawan
Allo Bank Indonesia Tbk 3. Netty Delima Simanjuntak
13 24 November 2025 Pembahasan Pengkinian Kebijakan Tata Kelola Remunerasi PT Allo Bank Indonesia Tbk 1. Aviliani
November 24, 2025 Discussion of the Update of PT Allo Bank Indonesia Tbk's Remuneration Governance 2. Ali Gunawan
Policy 3. Netty Delima Simanjuntak
Peningkatan Kompetensi Komite Remunerasi dan Competency Development of Remuneration and
Nominasi Nomination Committee
Bank senantiasa melaksanakan program peningkatan The Bank consistently implements competency improvement
kompetensi bagi Komite Remunerasi dan Nominasi guna programs for the Remuneration and Nomination Committee
mengoptimalkan seluruh tugasnya dan terus mengembangkan to optimize its duties and continually develop its capabilities in
kemampuannya sesuai dengan kondisi dan dinamika bisnis line with current business conditions and dynamics. Information
yang terjadi. Informasi mengenai peningkatan kompetensi regarding the Remuneration and Nomination Committee's
Komite Remunerasi dan Nominasi sepanjang tahun 2025 dapat competency improvement efforts throughout 2025 can be
dilihat pada Bab Profil Perusahaan dalam Laporan Tahunan ini. found in the Company Profile section of this Annual Report.
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Laporan Pelaksanaan Tugas Komite Remunerasi Report on Implementation of Duties of
dan Nominasi Remuneration and Nomination Committee
Selama tahun 2025, Komite Remunerasi dan Nominasi telah During 2025, the Remuneration and Nomination Committee
melaksanakan tugas dan tanggung jawabnya melalui sejumlah has carried out its duties and responsibilities through a number
kegiatan, antara lain: of activities, including:
1. Pelaksanaan Rapat Umum Pemegang Saham (RUPS) dan 1. Conducting General Meetings of Shareholders (GMS) and
Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) Extraordinary General Meetings of Shareholders (EGMS)
terkait dengan perubahan Pengurus Bank; related to changes in the Bank's Management;
2. Mencatat dan mendukung penyesuaian remunerasi 2. Recording and supporting adjustments to the Bank's
Pengurus Bank; dan Management remuneration; and
3. Pengkinian Kebijakan Tata Kelola Remunerasi Bank. 3. Updating the Bank's Remuneration Governance Policy.
Suksesi Direksi Board of Directors Succession
Bank senantiasa menjalankan suksesi Direksi secara The Bank consistently implements a comprehensive Board
menyeluruh guna memastikan calon pemimpin yang memiliki of Directors succession process to ensure that prospective
kualitas, pengalaman, dan keahlian yang memadai. Untuk itu, leaders possess adequate qualities, experience, and
Perseroan memiliki kriteria dalam penentuan Direksi Perseroan, expertise. Therefore, the Company has established criteria for
dan keputusan untuk mengangkat/memberhentikan Direksi. determining the Board of Directors and for making decisions
Pengangkatan dan pemberhentian anggota Direksi dilakukan regarding the appointment and dismissal of members of the
melalui RUPS sesuai dengan aturan hukum dan perundang- Board of Directors. The appointment and dismissal of members
undangan yang berlaku, Anggaran Dasar, dan POJK No. 33/ of the Board of Directors are conducted through a GMS in
POJK.04/2014 tentang Direksi dan Dewan Komisaris Emiten accordance with applicable laws and regulations, the Articles
atau Perusahaan Publik. of Association, and POJK No. 33/POJK.04/2014 concerning
the Board of Directors and Board of Commissioners of Issuers
or Public Companies.
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Organ
Pendukung Direksi
● Supporting Organ of Board of Directors
Dalam membantu menjalankan To assist in carrying out its management
tugas pengelolaan Bank, Direksi duties, the Board of Directors may
dapat membentuk organ pendukung establish supporting bodies as stipulated
sebagaimana diatur dalam ketentuan in statutory provisions. The Board of
perundang-undangan. Direksi telah Directors has structural supporting
memiliki organ pendukung struktural, bodies, namely the Corporate Secretary
yakni Sekretaris Perusahaan & PMO & PMO and the Internal Audit Work
dan Satuan Kerja Audit Internal (SKAI), Unit (SKAI), as well as non-structural
serta organ pendukung non-struktural supporting bodies consisting of the Credit
yang terdiri dari Komite Kredit, Komite Committee, Credit Policy Committee,
Kebijakan Perkreditan, Komite Aktiva Assets and Liabilities Committee, Risk
dan Pasiva, Komite Manajemen Risiko, Management Committee, Information
Komite Pengarah Teknologi Informasi, Technology Steering Committee,
dan Komite Produk. Product Committee.
Komite Manajemen Risiko Bank membentuk Komite Manajemen The Bank established a Risk Management
Risiko untuk membantu dan memberikan Committee to assist and provide
Risk Management
arahan bagi anggota Direksi dalam direction to members of the Board of
Committee melaksanakan tugas dan tanggung Directors in carrying out their duties
jawab terhadap proses implementasi and responsibilities regarding the risk
manajemen risiko di Bank dan untuk management implementation process
mewujudkan penerapan manajemen at the Bank and to realize the effective
risiko yang efektif dan pelaksanaan implementation of risk management and
fungsi manajemen risiko dalam the implementation of risk management
mengelola keseluruhan eksposur risiko functions in managing the Bank's overall
Bank. risk exposure.
Jumlah, Komposisi dan Susunan Number, Composition,
Komite Manajemen Risiko and Structure of the Risk
Tahun 2025 Management Committee in 2025
Bank membentuk Komite Manajemen The Bank has established a Risk
Risiko untuk membantu dan memberikan Management Committee to assist
arahan bagi anggota Direksi dalam and provide direction to the Board of
melaksanakan tugas dan tanggung Directors in carrying out their duties
jawab terhadap proses implementasi and responsibilities regarding the Bank's
manajemen risiko di Bank dan untuk risk management implementation
mewujudkan penerapan manajemen process and to ensure effective risk
risiko yang efektif dan pelaksanaan management implementation and the
fungsi manajemen risiko dalam implementation of risk management
mengelola keseluruhan eksposur risiko functions in managing the Bank's overall
Bank. risk exposure.
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Komposisi Komite Manajemen Risiko: Risk Management Committee Composition:
• Direktur Risk, Compliance & Legal (ketua) • Risk, Compliance & Legal Director (Chairman)
• Direktur Utama (Anggota) • President Director (Member)
• Direktur Finance, Operations & Human Capital (Anggota) • Finance, Operations & Human Capital Director (Member)
• Direktur Digital (Anggota) • Digital Director (Member)
• Chief Wholesale & Treasury (Anggota) • Chief Wholesale & Treasury (Member)
• Chief Data Analytics & Artificial Intelligence (Anggota) • Chief Data Analytics & Artificial Intelligence (Member)
• Chief Digital Technology (Anggota) • Chief Digital Technology (Member)
• Chief Digital Lending (Anggota) • Chief Digital Lending (Member)
• Pimpinan Divisi Terkait (Undangan) • Heads of Relevant Divisions (Invitees)
• Divisi Enterprise, Operational & Market Risk (Sekretariat) • Enterprise, Operational & Market Risk Division (Secretariat)
Tugas dan Wewenang Komite Manajemen Risiko Duties and Authorities of Risk Management
Committee
Komite Manajemen Risiko bertugas dan bertanggung jawab Risk Management Committee is tasked with and responsible
untuk melakukan evaluasi dan memberikan rekomendasi for evaluating and providing recommendations to President
kepada Direktur Utama paling kurang meliputi: Director regarding:
1. Penyusunan kebijakan Manajemen Risiko serta 1. 1Preparation of Risk Management policies and changes
perubahannya, termasuk strategi Manajemen Risiko, thereto, including Risk Management strategies, Level of Risk
Tingkat Risiko yang diambil dan Toleransi Risiko, kerangka taken and Risk Tolerance, Risk Management framework and
Manajemen Risiko serta rencana kontinjensi untuk contingency plans to anticipate the occurrence of abnormal
mengantisipasi terjadinya kondisi tidak normal. conditions.
2. Penyusunan kebijakan Manajemen Risiko serta 2. Preparation of Risk Management policies and changes
perubahannya, termasuk strategi Manajemen Risiko, thereto, including Risk Management strategies, Level of Risk
Tingkat Risiko yang diambil dan Toleransi Risiko, kerangka taken and Risk Tolerance, Risk Management framework and
Manajemen Risiko serta rencana kontinjensi untuk contingency plans to anticipate the occurrence of abnormal
mengantisipasi terjadinya kondisi tidak normal. conditions.
3. Penetapan kebijakan dan/atau keputusan bisnis yang 3. Determination of policies and/or business decisions that
menyimpang dari prosedur normal, seperti pelampauan deviate from normal procedures, such as exceeding
ekspansi usaha yang signifikan dibandingkan dengan significant business expansion compared to the Bank’s
Rencana Bisnis Bank yang telah ditetapkan sebelumnya, previously determined Business Plan, or taking Risk
atau pengambilan posisi/eksposur Risiko yang melampaui positions/exposures that exceed predetermined limits.
limit yang telah ditetapkan.
4. Menetapkan Risk Limit (Risk Appetite dan Risk Tolerance) 4. Determine the Risk Limit (Risk Appetite and Risk Tolerance)
dari setiap bidang Risiko (Risk Taking Limit). for each Risk area (Risk Taking Limit).
5. Memantau dan mengevaluasi penerapan Risk Limit 5. Monitor and evaluate the implementation of Risk Limits in
disesuaikan dengan ketentuan Risk Limit yang berlaku. accordance with applicable Risk Limit provisions.
6. Menetapkan kebijakan yang harus diambil berdasarkan 6. Determine the policies that must be taken based on the
hasil evaluasi. evaluation results.
7. Mengevaluasi Laporan Profil Risiko Triwulanan dan 7. Evaluate the Quarterly and Semester Risk Profile Reports
Semesteran serta Laporan Penilaian Tingkat Kesehatan as well as the Bank Health Level Assessment Report (PTKB)
Bank (PTKB) sebelum disampaikan ke OJK sebagai laporan before submitting it to the OJK as a routine report.
rutin.
8. Mengevaluasi agar strategi bisnis Bank sejalan dengan 8. Conduct evaluation to align the Bank’s business strategy
strategi Risiko. with the Risk strategy.
9. Memantau isu-isu yang cukup signifikan melalui laporan 9. Monitor significant issues through reports submitted by the
yang disampaikan oleh sekretariat Komite. Committee secretariat.
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Good Corporate Governance Sustainability Report Financial Statements
Laporan Singkat Pelaksanaan Tugas dan Kegiatan Report in Implementation of Risk Management
Komite Manajemen Risiko Committee Activities
Sepanjang tahun 2025, Komite Manajemen Risiko telah Throughout 2025, the Risk Management Committee has
melaksanakan tugasnya, termasuk memperbaharui Kebijakan carried out its duties, including updating the Risk Management
Komite Manajemen Risiko; memberikan rekomendasi atas risk Committee Policy; providing recommendations on the risk
appetite statement dan profil risiko yang disusun manajemen appetite statement and risk profile prepared by management
dan penetapan Tingkat Kesehatan Bank; mengevaluasi hasil and determining the Bank's Soundness Level; evaluating the
penilaian delapan jenis Profil Risiko Bank, di antaranya Risiko results of the assessment of eight types of Bank Risk Profiles,
Kredit, Pasar, Likuiditas, Operasional, Reputasi, Hukum, including Credit, Market, Liquidity, Operational, Reputation,
Strategis, dan Kepatuhan; memonitor Risk Appetite Statement Legal, Strategic, and Compliance Risk; monitoring the Bank's
Bank, termasuk limit risiko sesuai dengan matrik risiko yang Risk Appetite Statement, including risk limits in accordance
telah ditetapkan untuk delapan jenis risiko dan ketahanan with the established risk matrix for the eight types of risk and
modal; mengevaluasi pengelolaan permodalan Bank dengan capital resilience; evaluating the Bank's capital management by
mengaitkan tingkat risiko dengan kecukupan modal sesuai linking the risk level to capital adequacy in accordance with the
dengan ketentuan. provisions.
Penilaian Kinerja Komite Manajemen Risiko oleh Performance Assessment of Risk Management
Direksi Committee by Board of Directors
Direksi secara berkala melakukan penilaian terhadap kinerja The Board of Directors periodically assesses the performance
Komite Manajemen Risiko setiap tahunnya. Penilaian ini of the Risk Management Committee annually. This assessment
merupakan evaluasi terhadap pelaksanaan tugas dan evaluates the implementation of the Risk Management
tanggung jawab Komite Manajemen Risiko dalam mendukung Committee's duties and responsibilities in supporting the Board
pelaksanaan fungsi pengelolaan perusahaan yang dilakukan of Directors' corporate governance functions. Based on the
oleh Direksi. Berdasarkan hasil evaluasi yang dilakukan, Direksi evaluation results, the Board of Directors assesses that the Risk
menilai bahwa Komite Manajemen Risiko telah melaksanakan Management Committee has performed its duties effectively
tugasnya dengan baik melalui penelaahan terhadap sistem through a review of the Bank's risk management system and
manajemen risiko Bank dan pemantauan realisasinya sepanjang monitoring its implementation throughout 2025.
tahun 2025.
Komite Kredit
Credit Committee
Bank membentuk Komite Kredit dengan tujuan untuk The Bank established a Credit Committee with the aim of
membantu Direksi dalam menetapkan keputusan di bidang assisting the Board of Directors in making decisions in the
perkreditan, khususnya dalam rangka memberikan persetujuan/ credit sector, particularly in the context of approving/rejecting
menolak suatu usulan permohonan kredit yang dituangkan a proposed credit application which is stated in the form of
dalam bentuk proposal kredit yang diajukan oleh calon debitur/ a credit proposal submitted by a prospective debtor/debtor
debitur melalui petugas Bank yang telah ditunjuk. through a designated Bank officer.
Jumlah, Komposisi dan Susunan Komite Kredit Number, Composition, and Structure of Credit
Tahun 2025 Committee in 2025
Komite kredit terdiri dari Kredit Wholesale, Kredit Treasury, dan The Credit Committee encompasses Wholesale Credit,
Kredit Digital. Treasury Credit, and Digital Credit.
1. Susunan Komite Kredit Wholesale: 1. Composition of the Wholesale Credit Committee:
a. Ketua Komite: President Director a. Committee Chair: President Director
b. Anggota Komite: Business Director b. Committee Member: Business Director
c. Undangan Tetap: Risk, Compliance, & Legal Director c. Permanent Invitee: Risk, Compliance, & Legal Director
d. Sekretaris Komite: Credit Review & Restructure Specialist d. Committee Secretary: Credit Review & Restructure
Specialist
2. Susunan Komite Kredit Treasury: 2. Composition of the Treasury Credit Committee:
a. Ketua Komite: President Director a. Committee Chair: President Director
b. Anggota Komite: Business Director b. Committee Member: Business Director
c. Undangan Tetap: Risk, Compliance, & Legal Director c. Permanent Invitee: Risk, Compliance, & Legal Director
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d. Sekretaris Komite: Credit Review & Restructure Specialist d. Committee Secretary: Credit Review & Restructure
Specialist
3. Susunan Komite Kredit Digital: 3. Composition of the Digital Credit Committee:
a. Ketua Komite: President Director a. Committee Chair: President Director
b. Anggota Komite: Digital Director b. Committee Member: Digital Director
c. Undangan Tetap: Risk, Compliance, & Legal Director c. Permanent Invitee: Risk, Compliance, & Legal Director
4. Susunan Komite Restruktur Kredit Wholesale: 4. Composition of the Wholesale Credit Restructuring
Committee:
a. Ketua Komite: President Director a. Committee Chair: President Director
b. Anggota Komite: Finance, Operations & Human Capital b. Committee Member: Finance, Operations & Human
Director Capital Director
c. Undangan Tetap: Risk, Compliance, & Legal Director c. Permanent Invitee: Risk, Compliance, & Legal Director
d. Sekretaris Komite: Credit Review & Restructure Specialist d. Committee Secretary: Credit Review & Restructure
Specialist
Tugas dan Wewenang Komite Kredit Duties and Authorities of the Credit Committee
1. Bertanggung jawab untuk memberikan persetujuan atau 1. Responsible for approving or rejecting credit applications
penolakan atas permohonan kredit dan/atau permohonan and/or credit restructuring applications after obtaining
restrukturisasi kredit setelah memperoleh informasi yang sufficient information from the proposer.
cukup dari pengusul.
2. Dalam memberikan keputusan atas usulan kredit dan/atau 2. In making decisions on credit proposals and/or credit
restrukturisasi kredit, Komite Kredit wajib: restructuring, the Credit Committee is obliged to:
a. Mempertimbangkan kajian dari Unit Kerja yang a. Consider studies from the Work Unit in charge of the
membawahi fungsi Credit Review & Restructure, Unit Credit Review & Restructure function, the Work Unit
Kerja yang membawahi fungsi Legal, dan Unit Kerja yang in charge of the Legal function, and the Work Unit in
membawahi fungsi Compliance. Hasil kajian tersebut charge of the Compliance function. The results of this
dapat digunakan sebagai dasar untuk melakukan study can be used as a basis for making changes and/
perubahan dan/atau penambahan persyaratan guna or additional requirements to mitigate credit risks that
memitigasi risiko kredit yang mungkin akan timbul. may arise.
b. Memastikan bahwa seluruh aspek telah memenuhi b. Ensure that all aspects fulfill the principles of providing
prinsip pemberian kredit yang sehat sesuai dengan healthy credit in accordance with the Bank’s Credit
Pedoman Kebijakan Perkreditan Bank, tidak melanggar Policy Guidelines, do not violate the provisions of
ketentuan prinsip kehati-hatian Bank yang berpedoman the Bank’s prudential principles which are guided by
pada peraturan atau ketentuan eksternal maupun external and internal regulations or provisions, and
internal, dan memastikan kelayakan pemberian kredit ensure the appropriateness of providing credit and
serta meminimalkan potensi moral hazard. minimize the potential for moral hazard.
Laporan Singkat Pelaksanaan Tugas dan Kegiatan Report on Implementation of Credit Committee
Komite Kredit Duties
Sepanjang tahun 2025, Komite Kredit telah melaksanakan Throughout 2025, the Credit Committee has carried out
kegiatan sesuai dengan fungsinya yaitu dengan mengevaluasi activities in accordance with its function, namely by evaluating
dan memutuskan proposal kredit yang diajukan oleh petugas and deciding on credit proposals submitted by Bank officers for
Bank atas proposal kredit baru sesuai dengan ketentuan yang new credit proposals in accordance with applicable provisions.
berlaku.
Penilaian Kinerja Komite Kredit oleh Direksi Performance Evaluation of Credit Committee by
Board of Directors
Direksi secara berkala melakukan penilaian terhadap kinerja The Board of Directors periodically evaluates the performance
Komite Kredit setiap tahunnya. Penilaian ini merupakan evaluasi of the Credit Committee annually. This assessment evaluates
terhadap pelaksanaan tugas dan tanggung jawab Komite the Credit Committee's implementation of its duties and
Kredit dalam mendukung pelaksanaan fungsi pengelolaan responsibilities in supporting the Board of Directors' corporate
perusahaan yang dilakukan oleh Direksi. Berdasarkan hasil governance functions. Based on the evaluation results, the
evaluasi yang dilakukan, Direksi menilai bahwa Komite Kredit Board of Directors believes that the Credit Committee has
telah melaksanakan tugasnya secara baik dengan melakukan performed its duties effectively by evaluating and approving
evaluasi dan memutuskan proposal kredit yang diajukan oleh new credit proposals submitted by Bank officers in 2025.
petugas Bank atas proposal kredit baru pada tahun 2025.
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Komite Kebijakan Perkreditan Bank Bank Credit Policy Committee
Bank membentuk Komite Kebijakan Perkreditan Bank untuk The Bank established a Bank Credit Policy Committee to assist
membantu Direksi dalam melaksanakan tugas dan tanggung the Board of Directors in carrying out duties and responsibilities
jawab terkait pengelolaan kebijakan perkreditan yang related to the management of credit policies aimed at
bertujuan untuk mendukung pemberian kredit yang sehat dan supporting healthy credit provision and containing elements
mengandung unsur pengendalian internal mulai tahap awal of internal control from the initial stage of the credit activity
proses kegiatan perkreditan sampai dengan tahap pemantauan process to the credit monitoring stage by paying attention to
perkreditan dengan memperhatikan prinsip kehati-hatian. the principle of prudence.
Jumlah, Komposisi dan Susunan Komite Kebijakan Number, Composition, and Structure of Bank
Perkreditan Bank Tahun 2025 Credit Policy Committee in 2025
Bank membentuk Komite Kebijakan Perkreditan untuk The Bank established the Loan Policy Committee to assist the
membantu Direksi dalam melaksanakan tugas dan tanggung Board of Directors in carrying out its duties and responsibilities
jawab terkait pengelolaan kebijakan perkreditan yang related to loan policy management, which was designed to
bertujuan untuk mendukung pemberian kredit yang sehat dan support sound loan provisions and incorporate elements of
mengandung unsur pengendalian internal mulai tahap awal internal control from the initial stages of the loaning process
proses kegiatan perkreditan sampai dengan tahap pemantauan through to the loan monitoring stage, all while adhering to
perkreditan dengan memperhatikan prinsip kehati-hatian. prudent principles.
Komposisi Komite Kebijakan Perkreditan: The following is the Loan Policy Committee's composition:
• Direktur Utama (ketua) • President Director (Chairperson)
• Direktur Digital (Wakil Ketua) • Director of Digital Affairs (Vice Chairperson)
• Unit Kerja Credit Risk (Sekretaris merangkap Anggota) • Loan Risk Work Unit (Secretary and Member)
• Direktur Risiko, Kepatuhan & Hukum (Anggota) • Director of Risk, Compliance & Legal (Member)
• Chief Wholesale & Treasury (Anggota) • Chief of Wholesale & Treasury (Member)
• Chief Digital Lending (Anggota) • Chief of Digital Lending (Member)
• Pimpinan Tertinggi Unit Kerja fungsi Operational (Anggota) • Head of Operational Work Unit (Member)
• Pimpinan Tertinggi Unit Kerja fungsi Kredit Bisnis (Anggota) • Head of Business Loan Work Unit (Member)
• Pimpinan Tertinggi Unit Kerja fungsi Produk (Anggota) • Head of Product Work Unit (Member)
• Pimpinan Tertinggi Unit Kerja fungsi Kepatuhan (Anggota) • Head of Compliance Work Unit (Member)
• Pimpinan Tertinggi Unit Kerja fungsi Manajemen Risiko • Head of Risk Management Work Unit (Member)
(Anggota)
• Pimpinan Tertinggi Unit Kerja lainnya yang sesuai dengan • Head of other Work Units as needed for discussion.
kebutuhan pembahasan.
Tugas dan Wewenang Komite Kebijakan Duties and Authorities of Bank Credit Policy
Perkreditan Bank Committee
1. Menyampaikan laporan tertulis secara berkala kepada 1. Submit regular written reports to the Board of Directors
Direksi dengan tembusan kepada Dewan Komisaris, with a copy to the Board of Commissioners, regarding:
mengenai:
a. Hasil pengawasan atas penerapan dan pelaksanaan a. Results of supervision of the implementation and
KPB. implementation of the KPB.
b. Hasil pemantauan dan evaluasi pelaksanaan ketentuan b. Results of monitoring and evaluation of the
perkreditan yang sudah dijalankan. implementation of credit provisions that have been
implemented.
2. Memberikan saran mengenai langkah-langkah perbaikan 2. Provide suggestions regarding corrective steps that
yang sebaiknya diambil untuk memitigasi risiko yang should be taken to mitigate risks that may arise from the
mungkin timbul atas implementasi suatu kebijakan dalam implementation of a policy in written reports that are made
laporan tertulis yang dibuat secara berkala. periodically.
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Laporan Singkat Pelaksanaan Tugas dan Kegiatan Report on Implementation of Credit Policy
Komite Kebijakan Perkreditan Bank Committee Activities
Sepanjang tahun 2025, Komite Kebijakan Perkreditan telah Throughout 2025, the Credit Policy Committee has carried
melaksanakan kegiatan sesuai dengan fungsinya yaitu out activities in accordance with its function, namely providing
memberikan masukan kepada Direksi terkait penyusunan, input to the Board of Directors regarding the preparation,
mengawasi penerapan dan melakukan evaluasi atas kebijakan monitoring the implementation and conducting evaluations of
perkreditan Bank dalam rangka melakukan mitigasi proses the Bank's credit policies in order to mitigate the credit process
perkreditan sesuai dengan prinsip kehati hatian. in accordance with the principle of prudence.
Penilaian Kinerja Komite Kebijakan Perkreditan Performance Assessment of Bank Credit Policy
Bank oleh Direksi Committee by Board of Directors
Direksi secara berkala melakukan penilaian terhadap kinerja The Board of Directors periodically assesses the performance
Komite Kebijakan Perkreditan Bank setiap tahunnya. Penilaian of the Bank Credit Policy Committee annually. This assessment
ini merupakan evaluasi terhadap pelaksanaan tugas dan evaluates the implementation of the Bank Credit Policy
tanggung jawab Komite Kebijakan Perkreditan Bank dalam Committee's duties and responsibilities in supporting the
mendukung pelaksanaan fungsi pengelolaan perusahaan implementation of the company's management functions
yang dilakukan oleh Direksi. Berdasarkan hasil evaluasi carried out by the Board of Directors. Based on the evaluation
yang dilakukan, Direksi menilai bahwa Komite Kebijakan results, the Board of Directors assesses that the Bank Credit
Perkreditan Bank telah melaksanakan tugasnya secara baik Policy Committee has carried out its duties properly by
dengan melakukan pengawasan dan evaluasi atas kebijakan supervising and evaluating the Bank's credit policies to mitigate
perkreditan Bank guna memitigasi proses perkreditan sesuai credit processes in accordance with prudential principles by
dengan prinsip kehati-hatian pada tahun 2025. 2025.
Komite ALCO
ALCO Committee
Bank membentuk Komite Aset dan Liabilitas (ALCO) untuk The Bank established an Asset and Liability Committee (ALCO)
membantu pelaksanaan tugas Direksi dalam memelihara to assist the Board of Directors in carrying out its duties in
struktur neraca secara menyeluruh yang meliputi analisis dan maintaining a comprehensive balance sheet structure, which
perumusan kebijakan, strategi, pengambilan keputusan, serta includes analysis and formulation of policies, strategies,
pengawasan dalam pengelolaan Risiko Likuiditas, Risiko Suku decision-making, and supervision in managing Liquidity Risk,
Bunga, Risiko Pasar, dan permodalan yang sejalan dengan Interest Rate Risk, Market Risk, and capital in line with regulatory
peraturan regulator dan strategi bisnis Bank. regulations and the Bank's business strategy.
Jumlah, Komposisi, dan Susunan Komite ALCO Number, Composition, and Structure of ALCO
Tahun 2025 Committee in 2025
Bank membentuk Komite Aset dan Liabilitas (ALCO) untuk The Bank has established an Asset and Liability Committee
membantu pelaksanaan tugas Direksi dalam memelihara (ALCO) to assist the Board of Directors in maintaining a
struktur neraca secara menyeluruh yang meliputi analisis dan comprehensive balance sheet structure. This included analysis
perumusan kebijakan, strategi, pengambilan keputusan, serta and formulation of policies, strategies, decision-making, and
pengawasan dalam pengelolaan Risiko Likuiditas, Risiko Suku oversight of the Bank's Liquidity Risk, Interest Rate Risk, Market
Bunga, Risiko Pasar dan permodalan yang sejalan dengan Risk, and capital management, all of which are in line with
peraturan regulator dan strategi bisnis Bank. regulations and the Bank's business strategy.
Komposisi Komite Aset dan Liabilitas: The following is the composition of the Asset and Liability
Committee:
• Direktur yang membawahi fungsi Wholesale & Treasury • Director of Wholesale & Treasury (Chairperson)
(Ketua)
• Direktur Utama (Anggota) • President Director (Member)
• Direktur Keuangan, Operasional & Human Capital (Anggota) • Director of Finance, Operations & Human Capital (Member)
• Direktur Risiko, Kepatuhan & Hukum (Anggota) • Director of Risk, Compliance & Legal (Member)
• Direktur Digital (Anggota) • Director of Digital (Member)
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• Pimpinan Tertinggi Unit Kerja fungsi Finance & Accounting • Head of Finance & Accounting Unit (Invitee)
(Undangan)
• Pimpinan Tertinggi Unit Kerja fungsi Funding Wholesale • Head of Wholesale Funding Unit (Invitee)
(Undangan)
• Pimpinan Tertinggi Unit Kerja fungsi Funding Retail • Head of Retail Funding Unit (Invitee)
(Undangan)
• Pimpinan Tertinggi Unit Kerja fungsi Credit Wholesale • Head of Wholesale Credit Unit (Invitee)
(Undangan)
• Pimpinan Tertinggi Unit Kerja fungsi Credit Retail (Undangan) • Head of Retail Credit Unit (Invitee)
• Pimpinan Tertinggi Unit Kerja fungsi Credit Risk (Undangan) • Head of Credit Risk Unit (Invitee)
• Pimpinan Tertinggi Unit Kerja fungsi Enterprise, Operational • Head of Enterprise, Operational & Market Risk Unit (Invitee)
& Market Risk (Undangan)
• Pimpinan Tertinggi Unit Kerja fungsi Treasury (Sekretaris) • Head of Treasury Unit (Secretary)
Tugas dan Wewenang Komite ALCO Duties and Authorities of ALCO Committee
1. Menetapkan target keuangan Bank (jangka pendek dan 1. Establish the Bank's financial targets (short and medium
menengah) guna mempertahankan dan meningkatkan nilai term) to maintain and increase the Bank's value by
Bank melalui optimalisasi spread antara pendapatan dan optimizing the spread between income and costs at a
biaya pada tingkat risiko yang dapat ditoleransi. tolerable risk level.
2. Memastikan bahwa target keuangan yang ditetapkan 2. Ensure that the Bank's financial targets are approved by the
Bank mendapatkan persetujuan dari Dewan Komisaris. Board of Commissioners. The implementation of the Asset
Pelaksanaan disiplin Asset and Liabilities Management and Liabilities Management (ALMA) discipline by ALCO
(ALMA) oleh ALCO secara praktis mengarah kepada practically leads to the achievement of these financial
pencapaian target-target keuangan tersebut. targets.
3. Menetapkan strategi ALMA untuk mencapai target-target 3. Establish the ALMA strategy to achieve these targets,
tersebut melalui: (i) Penetapan Rencana Bisnis; (ii) Komposisi through: (i) Determination of the Business Plan; (ii)
neraca dan off balance sheet aktiva/pasiva; (iii) Produk dan Composition of the balance sheet and off-balance sheet
jasa yang ditawarkan; (iv) Penentuan tingkat suku bunga assets/liabilities; (iii) Products and services offered; (iv)
dan/atau pricing untuk semua produk dan jasa Bank. Determination of interest rates and/or pricing for all Bank
products and services.
4. Menjaga agar dalam pelaksanaan strategi ALMA, Bank 4. Ensure that while implementing the ALMA strategy, the
tetap menjaga Bank-wide risk level pada tingkat yang sesuai Bank maintains the Bank-wide risk level at a level that
dengan risk appetite. matches with risk appetite.
5. Menetapkan infrastruktur guna melaksanakan strategi 5. Establish the infrastructure to implement the ALMA strategy.
ALMA.
Laporan Singkat Pelaksanaan Tugas dan Kegiatan Report on Implementation of ALCO Committee
Komite ALCO Activities
Sepanjang tahun 2025, Komite ALCO telah melaksanakan Throughout 2025, the ALCO Committee carried out activities in
kegiatan sesuai dengan fungsinya yaitu mengoptimalkan neraca accordance with its function of optimizing the Bank's balance
Bank agar menghasilkan profit yang maksimal dan memelihara sheet to generate maximum profits and maintaining liquidity in
likuiditas Bank sesuai kebutuhan neraca serta memastikan accordance with the Bank's balance sheet requirements. It also
kondisi likuiditas yang patuh terhadap peraturan internal dan ensured compliance with internal and external regulations. This
eksternal, antara lain dengan cara mengelola risiko suku bunga included managing interest rate risk on the Bank's balance sheet
di neraca Bank serta merumuskan contingency funding plan and formulating a contingency funding plan in accordance with
sesuai dengan peraturan yang berlaku. applicable regulations.
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Penilaian Kinerja Komite ALCO oleh Direksi Performance Assessment of ALCO Committee by
Board of Directors
Direksi secara berkala melakukan penilaian terhadap kinerja The Board of Directors periodically assesses the performance
Komite ALCO setiap tahunnya. Penilaian ini merupakan evaluasi of the ALCO Committee annually. This assessment evaluates
terhadap pelaksanaan tugas dan tanggung jawab Komite the implementation of the ALCO Committee's duties and
ALCO dalam mendukung pelaksanaan fungsi pengelolaan responsibilities in supporting the implementation of the
perusahaan yang dilakukan oleh Direksi. Berdasarkan hasil company's management functions carried out by the Board of
evaluasi yang dilakukan, Direksi menilai bahwa Komite ALCO Directors. Based on the results of the evaluation, the Board of
telah melaksanakan tugasnya secara baik dengan berupaya Directors assesses that the ALCO Committee has carried out its
mengoptimalkan neraca Bank agar mampu menghasilkan profit duties well by striving to optimize the Bank's balance sheet to
maksimal dan memelihara likuiditas Bank, serta memastikan generate maximum profits and maintain the Bank's liquidity, as
kondisi likuiditas yang patuh terhadap peraturan internal dan well as ensuring liquidity conditions that comply with internal
eksternal. and external regulations.
Komite Pengarah Teknologi Informasi Information Technology Steering Committee
Bank membentuk Komite Pengarah Teknologi Informasi untuk The Bank established an Information Technology Steering
membantu pelaksanaan tugas Direksi dalam melaksanakan Committee to assist the Board of Directors in carrying out its
tugas dan tanggung jawab terhadap penetapan Rencana duties and responsibilities regarding the determination of the
Strategis Teknologi Informasi dan realisasi kebijakan Information Technology Strategic Plan and the realization of
pengembangan serta evaluasi penggunaan teknologi informasi. development policies and evaluation of the use of information
technology.
Jumlah, Komposisi dan Susunan Komite Pengarah Number, Composition, and Structure of
Teknologi Informasi Tahun 2025 Information Technology Steering Committee in
2025
Bank membentuk Komite Pengarah Teknologi Informasi untuk The Bank has established an Information Technology (IT)
membantu pelaksanaan tugas Direksi dalam melaksanakan Steering Committee to assist the Board of Directors in carrying
tugas dan tanggung jawab terhadap penetapan Rencana out its duties and responsibilities when it comes to establishing
Strategis Teknologi Informasi dan realisasi kebijakan an IT Strategic Plan and policy implementation for the Bank's
pengembangan serta evaluasi penggunaan teknologi informasi. development and evaluation of its IT usage.
Komposisi Komite Pengarah Teknologi Informasi: The following is the composition of the Information Technology
Steering Committee:
• Direktur yang membawahi fungsi Teknologi Informasi • Director of Information Technology (Chairperson)
(Ketua)
• Direktur Keuangan, Operasional dan Human Capital • Director of Finance, Operations, and Human Capital
(Anggota) (Member)
• Direktur Digital (Anggota) • Director of Digital (Member)
• Direktur Risiko, Kepatuhan & Hukum (Anggota) • Director of Risk, Compliance & Legal (Member)
• Chief yang membawahi satuan kerja penyelenggara TI • Chief in IT Implementation Unit (Member)
(Anggota)
• Chief Data Analytics & Artificial Intelligence (Undangan • Chief of Data Analytics & Artificial Intelligence (Permanent
Tetap) Invitee)
• Chief yang membawahi satuan kerja pengguna TI • Chief of IT User Unit (Invitee)
(Undangan)
• Pejabat Tertinggi yang memimpin Satuan Kerja • Head of IT Implementation Unit (Invitee)
Penyelenggara TI (Undangan)
• Pejabat Tertinggi yang memimpin Satuan Kerja Pengguna • Head of IT User Unit (Invitee)
TI (Undangan)
• Pejabat Tertinggi yang memimpin Satuan Kerja Information • Head of IT Strategy & Governance Unit (Secretary)
Technology Strategy & Governance (Sekretaris)
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Tugas dan Wewenang Komite Pengarah Teknologi Duties and Authorities of Information Technology
Informasi Steering Committee
Komite Pengarah Teknologi Informasi bertanggung jawab The Information Technology Steering Committee is responsible
memberikan rekomendasi kepada Direksi paling sedikit memuat for providing recommendations to the Board of Directors
tentang: containing at least:
1. Rencana Strategis Teknologi Informasi yang sejalan dengan 1. Information Technology Strategic Plan which is in line with
rencana strategis kegiatan usaha Bank; the Bank’s strategic plan for business activities;
2. Perumusan kebijakan, standar, dan prosedur Teknologi 2. Formulation of key Information Technology policies,
Informasi yang utama; standards and procedures;
3. Kesesuaian antara proyek Teknologi Informasi yang disetujui 3. Conformity between approved Information Technology
dengan Rencana Strategis Teknologi Informasi; projects and the Information Technology Strategic Plan;
4. Kesesuaian antara pelaksanaan proyek Teknologi Informasi 4. Conformity between the implementation of the Information
dengan rencana proyek yang disepakati; Technology project and the agreed project plan;
5. Kesesuaian antara Teknologi Informasi dengan kebutuhan 5. Compatibility between Information Technology and the
sistem informasi manajemen serta kebutuhan kegiatan needs of management information systems and the needs
usaha Bank; of the Bank’s business activities;
6. Efektivitas langkah-langkah dalam meminimalkan risiko 6. Effectiveness of steps in minimizing risks on Bank
atas investasi Bank pada sektor Teknologi Informasi agar investments in the Information Technology sector so that
investasi Bank pada sektor Teknologi Informasi memberikan Bank investments in the Information Technology sector
kontribusi terhadap pencapaian tujuan bisnis Bank; contribute to achieving the Bank’s business objectives;
7. Pemantauan atas kinerja Teknologi Informasi dan upaya 7. Monitoring Information Technology performance and
peningkatan kinerja Teknologi Informasi; efforts to improve Information Technology performance;
8. Upaya penyelesaian berbagai masalah terkait Teknologi 8. Efforts to resolve various problems related to Information
Informasi yang tidak dapat diselesaikan oleh unit kerja Technology that cannot be resolved by the work units of
pengguna dan penyelenggara Teknologi Informasi secara Information Technology users and providers effectively,
efektif, efisien, dan tepat waktu; efficiently and on time;
9. Kecukupan dan alokasi sumber daya yang dimiliki Bank; 9. Adequacy and allocation of resources owned by the Bank;
dan and
10. Melakukan evaluasi dan persetujuan untuk pelaksanaan 10. Evaluate and approve the implementation of Information
proyek Teknologi Informasi. Technology projects.
Laporan Singkat Pelaksanaan Tugas dan Kegiatan Report on Implementation of Duties of
Komite Pengarah Teknologi Informasi Information Technology Steering Committee
Sepanjang tahun 2025, Komite Pengarah Teknologi Informasi Throughout 2025, the Bank's Information Technology (IT)
telah melaksanakan berbagai kegiatan sesuai tugas dan Steering Committee carried out various activities in accordance
kewenangannya, termasuk diantaranya menetapkan Rencana with its duties and authorities, including establishing an
Strategis Teknologi Informasi; menetapkan perumusan Information Technology Strategic Plan; establishing key IT
kebijakan, standar, dan prosedur TI yang Utama; menetapkan policies, standards, and procedures; determining IT projects
proyek-proyek TI tahun anggaran 2025; melakukan pemantauan for 2025; routinely monitoring the development status of IT
rutin status pengembangan proyek-proyek Teknologi Informasi projects for 2025; monitoring the alignment of IT with the
tahun anggaran 2025; melakukan pemantauan kesesuaian information system needs and business activities of the Bank's
TI dengan kebutuhan sistem informasi manajemen dan management; reviewing/monitoring IT budget utilization and
kegiatan usaha Bank; melakukan pengkajian/pemantauan capital expenditures; monitoring the efficiency of IT services;
penggunaan anggaran dan belanja modal TI; melakukan monitoring and providing guidance on IT and cybersecurity
pemantauan efisiensi layanan TI; memantau dan memberikan issues and developments; and analyzing the Bank's IT resources.
arahan terhadap masalah masalah dan perkembangan TI dan
Cybersecurity; dan melakukan analisis sumber daya TI yang
dimiliki Bank.
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Penilaian Kinerja Komite Pengarah Teknologi Performance Assessment of Information
Informasi oleh Direksi Technology Steering Committee
Direksi secara berkala melakukan penilaian terhadap kinerja The Board of Directors periodically assesses the performance
Komite Pengarah Teknologi Informasi setiap tahunnya. Penilaian of the Information Technology Steering Committee annually.
ini merupakan evaluasi terhadap pelaksanaan tugas dan This assessment evaluates the implementation of the duties
tanggung jawab Komite Pengarah Teknologi Informasi dalam and responsibilities of the Information Technology Steering
mendukung pelaksanaan fungsi pengelolaan perusahaan Committee in supporting the implementation of the company's
yang dilakukan oleh Direksi. Berdasarkan hasil evaluasi yang management functions carried out by the Board of Directors.
dilakukan, Direksi menilai bahwa Komite Pengarah Teknologi Based on the evaluation results, the Board of Directors assesses
Informasi telah melaksanakan tugasnya secara baik melalui that the Information Technology Steering Committee has
penetapan rencana strategis terkait TI dan serta mendukung carried out its duties effectively by establishing strategic plans
pengembangan penggunaan TI di Bank. related to IT and supporting the development of IT use at the
Bank.
Sekretaris Perusahaan & PMO
Corporate Secretary & PMO
Sekretaris Perusahaan & Program Management Office (PMO) The Corporate Secretary & Program Management Office (PMO)
merupakan organ pendukung Direksi yang bertanggung is a supporting organ of the Board of Directors responsible for
jawab terhadap pembentukan citra positif Bank serta kegiatan building a positive image of the Bank and delivering material
penyampaian informasi material Bank secara tepat waktu dan information to all stakeholders in a timely and accurate manner.
akurat kepada seluruh pemangku kepentingan. Sekretaris The Corporate Secretary & PMO are responsible for providing
Perusahaan & PMO bertanggung jawab menyediakan dan and delivering information to the general public and for the
menyampaikan informasi kepada masyarakat umum maupun benefit of investors related to the Bank's performance in a
untuk kepentingan investor yang berhubungan dengan timely, accurate, and transparent manner in accordance with
kinerja Bank secara tepat waktu, akurat, dan transparan sesuai the provisions and laws applicable to the Bank and as a public
ketentuan dan perundang-undangan yang berlaku bagi Bank company.
dan sebagai sebuah perusahaan publik.
Dasar Hukum Legal Basis
1. Peraturan OJK No. 17 Tahun 2023 tentang Penerapan Tata 1. OJK Regulation No. 17 of 2023 concerning Implementation
Kelola bagi Bank Umum. of Governance for Conventional Bank.
2. Peraturan OJK No. 35/POJK.04/2014 tentang Sekretaris 2. JK Regulation No. 35/POJK.04/2014 concerning Corporate
Perusahaan Emiten atau Perusahaan Publik. Secretaries of Issuers or Public Companies.
Pihak yang Mengangkat dan Memberhentikan Authorities Appointing and Dismissing Corporate
Sekretaris Perusahaan & PMO Secretary & PMO
Sekretaris Perusahaan & PMO dapat diangkat dan diberhentikan The Corporate Secretary and PMO can be appointed and
oleh Direksi melalui Keputusan Direksi berdasarkan mekanisme dismissed by the Board of Directors through a Board of
internal Bank. Atas dasar ini, Sekretaris Perusahaan & PMO Directors Decree based on the Bank's internal mechanisms.
bertanggung jawab langsung kepada Direksi. Pengangkatan Therefore, the Corporate Secretary and PMO are directly
Sekretaris Perusahaan & PMO juga dilakukan dengan responsible to the Board of Directors. The appointment of the
mempertimbangkan kemampuan profesional serta integritasnya Corporate Secretary and PMO is also made by considering
terhadap masyarakat dan bisnis. their professional abilities and integrity towards the community
and the business.
Pejabat Sekretaris Perusahaan dan Dasar Corporate Secretary Officer and Appointment
Pengangkatan Basis
Berdasarkan Surat Keputusan PT Allo Bank Indonesia Tbk Based on the Decree of PT Allo Bank Indonesia Tbk No. 074/
No. 074/DIRAB/22 tertanggal 3 Oktober 2022, Bank melalui DIRAB/22 dated October 3, 2022, the Bank through the
Direktur Utama menunjuk Stacey Aryadi Suryoputro sebagai President Director appointed Stacey Aryadi Suryoputro as Head
Head Sekretaris Perusahaan & PMO. of Corporate Secretary & PMO.
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STACEY ARYADI
SURYOPUTRO
● Sekretaris Perusahaan & PMO
Corporate Secretary & PMO
Kewarganegaraan Indonesia
Citizenship Indonesian
Usia 49 tahun
Age 49 years old
Kelahiran Jakarta, 28 Agustus 1976
Place and Jakarta, August 28, 1976
Date of Birth
Domisili DKI Jakarta
Domicile
Riwayat Pendidikan | Educational Background
Masters of Business Administration (MBA) and Bachelor of Science Masters of Business Administration (MBA) and Bachelor of Science
(BSc.) dari Arkansas State University (USA) (BSc.) from Arkansas State University (USA)
Riwayat Pekerjaan | Employment History
• Sekretaris Perusahaan di PT Bank Commonwealth. • Sekretaris Perusahaan di PT Bank Commonwealth.
• Head of Strategy and Corporate Communication di PT Bank Ganesha • Head of Strategy and Corporate Communication di PT Bank Ganesha
Tbk. Tbk.
• Corporate Strategy & Marketing Research di PT Bank Permata Tbk. • Corporate Strategy & Marketing Research di PT Bank Permata Tbk.
• Head of Government and Investor Relations di PT Bank Permata Tbk. • Head of Government and Investor Relations di PT Bank Permata Tbk.
• Change Program Management Officer dan Treasury Dealer di PT • Change Program Management Officer dan Treasury Dealer di PT
Bank Lippo Tbk. Bank Lippo Tbk.
• Corporate Secretary at PT Bank Commonwealth, • Corporate Secretary at PT Bank Commonwealth,
• Head of Strategy and Corporate Communication at PT Bank Ganesha • Head of Strategy and Corporate Communication at PT Bank Ganesha
Tbk, Tbk,
• Corporate Strategy & Marketing Research at PT Bank Permata Tbk, • Corporate Strategy & Marketing Research at PT Bank Permata Tbk,
• Head of Government and Investor Relations at PT Bank Permata Tbk, • Head of Government and Investor Relations at PT Bank Permata Tbk,
• Change Program Management Officer and Treasury Dealer at PT • Change Program Management Officer and Treasury Dealer at PT
Bank Lippo Tbk. Bank Lippo Tbk.
Pendidikan dan/atau Sertifikasi Profesi yang Berlaku | Applicable Education and/or Professional Certification
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan No affiliation relationship with members of the Board of Commissioners
Direksi dan Pemegang Saham Pengendali. and Directors and Controlling Shareholders.
Tugas dan Tanggung Jawab Sekretaris Duties and Responsibilities of Corporate
Perusahaan Secretary
1. Mengikuti perkembangan Pasar Modal khususnya peraturan 1. Monitoring the development of the Capital Market,
perundang-undangan yang berlaku di bidang Pasar Modal. especially the applicable laws and regulations in the field
of Capital Market.
2. Memberikan masukan kepada Direksi dan Dewan Komisaris 2. Providing input to the Board of Directors and Board of
Emiten atau Perusahaan Publik untuk mematuhi ketentuan Commissioners of the Issuer or Public Company to comply
peraturan perundang-undangan di bidang Pasar Modal. with the provisions of laws and regulations in the field of
Capital Market.
3. Membantu Direksi dan Dewan Komisaris dalam pelaksanaan 3. Assisting the Board of Directors and Board of Commissioners
tata kelola perusahaan yang meliputi: in implementing corporate governance, which includes:
a. Keterbukaan informasi kepada masyarakat, termasuk a. Information disclosure to the public, including the
ketersediaan informasi pada Situs Web Emiten atau availability of information on the Issuer’s or Public
Perusahaan Publik. Company’s website.
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b. Penyampaian laporan kepada Otoritas Jasa Keuangan b. Submitting reports to the Financial Services Authority in
secara tepat waktu. a timely manner.
c. Penyelenggaraan dan dokumentasi RUPS. c. Organizing and documenting the GMS.
d. Penyelenggaraan dan dokumentasi rapat Direksi dan/ d. Organizing and documenting meetings of the Board of
atau Dewan Komisaris. Directors and/or the Board of Commissioners.
e. Pelaksanaan program orientasi terhadap perusahaan e. Implementing the company orientation program for the
bagi Direksi dan/atau Dewan Komisaris. Board of Directors and/or the Board of Commissioners.
f. Sebagai penghubung dengan pemegang saham, OJK f. Acting as a liaison with shareholders, OJK, and other
dan pemangku kepentingan lainnya. stakeholders.
Peningkatan Kompetensi Sekretaris Perusahaan & Competency Development of Corporate
PMO Secretary and PMO
Allo Bank senantiasa melaksanakan program peningkatan Allo Bank consistently implements competency improvement
kompetensi bagi Sekretaris Perusahaan & PMO guna programs for the Corporate Secretary and PMO to optimize
mengoptimalkan seluruh tugasnya dan terus mengembangkan all their duties and continuously develop their capabilities,
kemampuannya, khususnya untuk mengikuti perkembangan particularly to keep abreast of developments in corporate
isu-isu seputar korporasi dan fungsi di bawah Sekretaris issues and functions under the Corporate Secretary and PMO.
Perusahaan & PMO. Informasi mengenai peningkatan Information regarding the competency improvement of the
kompetensi Sekretaris Perusahaan & PMO di tahun 2025 dapat Corporate Secretary and PMO in 2025 is presented in the
dilihat pada Bab Profil Perusahaan dalam Laporan Tahunan ini. Company Profile Chapter of this Annual Report.
Laporan Pelaksanaan Tugas Sekretaris Report on Implementation of Duties of Corporate
Perusahaan & PMO Secretary & PMO
Sepanjang tahun 2025, Sekretaris Perusahaan & PMO telah Throughout 2025, the Corporate Secretary and PMO carried
melaksanakan tugas dan tanggung jawabnya melalui sejumlah out their duties and responsibilities as follows:
kegiatan, seperti:
1. Menyusun buku Laporan Tahunan dan Laporan 1. Preparing the 2024 Annual Report and Sustainability
Berkelanjutan 2024; Report;
2. Mengorganisasikan dan mendokumentasikan RUPS 2. Organizing and documenting the 2024 Annual General
Tahunan tahun buku 2024 pada tanggal 10 April 2025; Meeting of Shareholders (AGMS) on April 10, 2025;
3. Menyampaikan laporan berkala serta keterbukaan 3. Submitting periodic reports and information disclosure to
informasi kepada OJK dan BEI sesuai dengan ketentuan the Financial Services Authority (OJK) and the Indonesia
dan peraturan yang berlaku terkait Pasar Modal dengan Stock Exchange (IDX) in accordance with applicable Capital
tepat waktu; Market provisions and regulations in a timely manner;
4. Mengorganisasikan rapat Direksi, rapat Dewan Komisaris, 4. Organizing meetings of the Board of Directors, Board
rapat Gabungan Dewan Komisaris dan Direksi, Rapat of Commissioners, Joint Meetings of the Board of
Komite Audit dan Komite Pemantau Risiko serta membuat Commissioners and the Board of Directors, Audit Committee
dan mengadministrasikan risalah rapat dan daftar hadirnya; and Risk Monitoring Committee meetings, and preparing
and administering meeting minutes and attendance lists;
5. Mengawasi proses registrasi pemegang saham Perseroan 5. Overseeing the Company's shareholder registration process
yang dilakukan oleh Biro Administrasi Efek yang ditunjuk conducted by the appointed Securities Administration
serta melaporkan perubahannya kepada Direksi dan Bureau and reporting changes to the Board of Directors
regulator; and regulators;
6. Menyusun serta menerapkan berbagai kebijakan dan 6. Developing and implementing various policies and
prosedur terkait komunikasi korporat, transparansi & procedures related to corporate communications,
pengungkapan informasi berkelanjutan dan Tata Kelola transparency and disclosure of sustainable information, and
Perusahaan yang Baik; Good Corporate Governance;
7. Memperbarui data informasi korporasi yang dimuat dalam 7. Updating corporate information contained on the
situs web Perseroan, terutama terkait Tata Kelola dan Company's website, particularly regarding Governance
mengembangkan Hubungan Investor (Investor Relation) and developing Investor Relations with the capital market,
dengan dunia pasar modal, dalam rangka meningkatkan in order to improve the quality and ease of access to the
kualitas serta kemudahan akses keterbukaan informasi Company's information disclosure for shareholders, the
Perseroan bagi pemegang saham, publik, dan seluruh public, and all stakeholders;
pemangku kepentingan;
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8. Memberikan informasi terkini kepada Direksi dan Dewan 8. Providing the latest information to the Company's Board
Komisaris Perseroan terkait saham Perseroan serta of Directors and Board of Commissioners regarding the
peraturan-peraturan terkait pasar modal yang diterbitkan Company's shares and capital market regulations issued
oleh OJK dan BEI; by the Financial Services Authority (OJK) and the Indonesia
Stock Exchange (IDX);
9. Menyusun dan mengusulkan rencana kerja Sekretaris 9. Preparing and proposing a work plan for the Corporate
Perusahaan & PMO kepada Direksi Perseroan; Secretary and Public Accountant (PMO) to the Company's
Board of Directors;
10. Bekerja sama dengan unit-unit terkait dalam 10. Collaborating with relevant units in organizing an orientation
menyelenggarakan program orientasi bagi para anggota program for new members of the Board of Directors and
Direksi dan Dewan Komisaris baru; dan Board of Commissioners; and
11. Menyelenggarakan Paparan Publik Tahunan pada tanggal 11. Holding an Annual Public Expose on April 10, 2025, and
10 April 2025, serta melakukan dokumentasi yang completing the documentation required by applicable rules
dipersyaratkan oleh peraturan dan ketentuan yang berlaku and regulations related to the Capital Market.
terkait Pasar Modal.
Satuan Kerja Audit Internal
Internal Audit Work Unit
Allo Bank memiliki Satuan Kerja Audit Internal (SKAI) sebagai Allo Bank has an Internal Audit Unit (SKAI) as the third line
third line of defense yang memiliki tugas dan tanggung of defense, tasked with and responsible for continuously
jawab untuk menjalankan fungsi audit internal di Bank secara carrying out the Bank's internal audit function. SKAI's role is
berkesinambungan. SKAI bertugas sebagai penjaminan to provide assurance in evaluating governance processes, risk
(assurance) dalam mengevaluasi proses tata kelola, management, and the effectiveness of internal controls across all
pengelolaan risiko dan efektivitas pengendalian internal pada aspects of the Bank's activities through a risk-based approach.
semua aspek kegiatan Bank melalui pendekatan berbasis risiko. Furthermore, SKAI also serves as a consultative function,
Selain itu, SKAI juga bertugas sebagai fungsi konsultatif untuk providing input on internal controls to other divisions, such as
memberikan masukan atas pengendalian internal kepada divisi providing recommendations or suggestions for improvements
lainnya, seperti pemberian rekomendasi atau saran perbaikan in various audits, input on draft policies or procedures, input on
dalam berbagai pemeriksaan yang dilakukan, masukan atas Bank initiatives, and others.
draft kebijakan atau prosedur, masukan atas inisiatif Bank, dan
lainnya.
Dasar Hukum Legal Basis
1. Peraturan OJK No. 17 Tahun 2023 tentang Penerapan Tata 1. OJK Regulation No. 17 of 2023 concerning the
Kelola bagi Bank Umum. Implementation of Governance for Conventional Bank.
2. Peraturan OJK No. 1/POJK.03/2019 tentang Penerapan 2. OJK Regulation No. 1/POJK.03/2019 concerning the
Fungsi Audit Internal pada Bank Umum. Implementation of Internal Audit Function in Conventional
Bank.
3. Peraturan OJK No. 56/POJK.04/2015 tentang 3. OJK Regulation No. 56/POJK.04/2015 concerning the
Pembentukan dan Pedoman Penyusunan Piagam Unit Establishment and Guidelines for Drafting Internal Audit
Audit Internal. Unit Charters.
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Pihak yang Mengangkat dan Memberhentikan Appointment and Dismissal of Head of SKAI
Kepala SKAI
Direktur Utama dapat mengangkat dan memberhentikan President Director may appoint and dismiss the Head of SKAI
Kepala SKAI setelah mendapat persetujuan Dewan Komisaris after obtaining approval from the Board of Commissioners by
dengan mempertimbangkan rekomendasi Komite Audit untuk considering the recommendations of the Audit Committee to
selanjutnya dilaporkan kepada Otoritas Jasa Keuangan (OJK). be subsequently reported to the Financial Services Authority
(OJK).
Struktur dan Kedudukan SKAI Structure and Position of SKAI
Satuan Kerja Audit Internal Allo Bank dipimpin oleh Kepala SKAI Allo Bank's Internal Audit Unit is led by the Head of Internal
yang bertanggung jawab langsung kepada Direktur Utama dan Audit, who reports directly to the President Director and has
memiliki akses komunikasi langsung kepada Komite Audit. direct communication access to the Audit Committee. The
Kepala SKAI membawahi Audit Non-Digital, Audit Digital, dan Head of Internal Audit oversees Non-Digital Audit, Digital Audit,
Audit Information Technology. Hingga 31 Desember 2025, and Information Technology Audit. Until December 31, 2025,
Satuan Kerja Audit Internal Bank beranggotakan 9 (sembilan) the Bank's Internal Audit Unit will consist of nine members,
orang, termasuk Kepala SKAI. including the Head of Internal Audit.
Piagam Audit Internal Internal Audit Charter
Internal Audit memiliki Piagam Audit Internal (Internal Audit The Internal Audit has an Internal Audit Charter ratified by the
Charter) yang disahkan oleh Direktur Utama dan Komisaris President Director and President Commissioner, last updated
Utama yang terakhir kali dimutakhirkan pada tanggal 21 on October 21, 2024. The Internal Audit Charter was established
Oktober 2024. Piagam Audit Internal (Internal Audit Charter) in accordance with OJK Regulation No. 56/POJK.04/2015
dibentuk dengan mengacu kepada Peraturan OJK No. dated December 23, 2015, concerning the Establishment and
56/POJK.04/2015 tanggal 23 Desember 2015 tentang Guidelines for the Preparation of Internal Audit Charters, and
Pembentukan dan Pedoman Penyusunan Piagam Audit OJK Regulation No. 1/POJK.03/2019 dated January 28, 2019,
Internal dan Peraturan OJK No. 1/POJK.03/2019 tanggal 28 concerning the Implementation of the Internal Audit Function
Januari 2019 tentang Penerapan Fungsi Audit Internal pada in Commercial Banks.
Bank Umum.
Piagam Audit Internal (Internal Audit Charter) memberikan The Internal Audit Charter provides guidance on the objectives,
pedoman mengenai tujuan, kedudukan, wewenang, position, authority, responsibilities, and scope of work of
tanggung jawab dan ruang lingkup pekerjaan internal audit the internal audit, which are formally stated in the Internal
yang dinyatakan secara formal dalam Piagam Audit Internal Audit Charter in accordance with OJK Regulation No. 1/
(Internal Audit Charter) sesuai dengan Peraturan OJK No. 1/ POJK.03/2019 concerning the Implementation of the Internal
POJK.03/2019 tentang Penerapan Fungsi Audit Intern pada Audit Function in Commercial Banks.
Bank Umum.
Kepala SKAI dan Dasar Pengangkatan Head of SKAI and Basis of Appointment
Allo Bank melalui Direksi menunjuk Willyardo Halim Partahi Allo Bank through the Board of Directors appointed Willyardo
Napitupulu sebagai Plt. Kepada Divisi SKAI berdasarkan Surat Halim Partahi Napitupulu as Acting Head of the SKAI Division
Keputusan No. 114/SK-DIRAB/2025 tanggal 25 November based on Decree No. 114/SK-DIRAB/2025 dated November 25,
2025 yang telah disampaikan kepada OJK melalui surat No. 2025 which has been submitted to the OJK through letter No.
150/DIR-BIS-REG/22 tanggal 30 Agustus 2022. 150/DIR-BIS-REG/22 dated August 30, 2022.
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Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
WILLYARDO HALIM
PARTAHI NAPITUPULU
● Plt. Kepala SKAI
Acting Head of SKAI
Kewarganegaraan Indonesia
Citizenship Indonesian
Usia 37 tahun
Age 37 years old
Kelahiran Medan, 6 Juli 1988
Place and Medan, July 6, 1988
Date of Birth
Domisili BSD, Tangerang Selatan
Domicile BSD, South Tangerang
Riwayat Pendidikan | Educational Background
Lulus S1 dari Ekonomi Akuntansi Universitas Sumatera Utara (USU) pada Graduated as Bachelor of Economics Majoring in Accounting from
tahun 2010 Universitas Sumatera Utara (USU) in 2010
Riwayat Pekerjaan | Employment History
Allo Bank Allo Bank
• Act. Internal Audit Division Head (2025-2026) • Act. Internal Audit Division Head (2025-2026)
• Digital Auditor (2024-2025) • Digital Auditor (2024-2025)
Bank Mizuho Bank Mizuho
• Internal Audit (2023-2024) • Internal Audit (2023-2024)
OCBC NISP OCBC NISP
• Network and Retail Banking Audit (2017-2023) • Network and Retail Banking Audit (2017-2023)
• Bank of Tokyo - Mitsubishi UFJ • Bank of Tokyo - Mitsubishi UFJ
• Credit Analyst (Non Japanese Desk) (2015-2017) • Credit Analyst (Non Japanese Desk) (2015-2017)
• Planning Promotion and Investment (2013-2015) • Planning Promotion and Investment (2013-2015)
• Assistant Relationship Manager (Japanese Desk) (2012-2013) • Assistant Relationship Manager (Japanese Desk) (2012-2013)
• Management Trainee Bank of Tokyo (20010 - 2012) • Management Trainee Bank of Tokyo (20010 - 2012)
Pendidikan dan/atau Sertifikasi Profesi yang Berlaku | Applicable Education and/or Professional Certification
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan No affiliation relationship with members of the Board of Commissioners
Direksi dan Pemegang Saham Pengendali and Directors and Controlling Shareholders.
Tugas dan tanggung jawab Satuan Kerja Audit Duties and Responsibilities of Internal Audit Unit
Internal
Fungsi SKAI adalah memberikan jasa assurance dan consulting The function of SKAI is to provide independent and objective
yang independen dan objektif guna memberikan nilai tambah assurance and consulting services to provide added value and
dan perbaikan operasional Bank, antara lain: improve the Bank's operations, including:
1. Membantu tugas Direktur Utama dan Dewan Komisaris 1. Assisting the President Director and Board of Commissioners
dalam melakukan pengawasan dengan cara menjabarkan in their oversight role by operationalizing the planning,
secara operasional baik perencanaan, pelaksanaan, implementation, and monitoring of audit results.
maupun pemantauan hasil audit.
2. Menyusun dan melaksanakan rencana Audit Internal 2. Develop and implement the annual Internal Audit plan.
tahunan.
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3. Menguji dan mengevaluasi pelaksanaan pengendalian 3. Test and evaluate the implementation of internal control
internal dan sistem manajemen risiko sesuai dengan and risk management systems in accordance with company
kebijakan perusahaan. policies.
4. Melakukan pemeriksaan dan penilaian atas efisiensi dan 4. Examine and assess the efficiency and effectiveness
efektivitas di bidang keuangan, akuntansi, operasional, in finance, accounting, operations, human resources,
sumber daya manusia, pemasaran, teknologi informasi, dan marketing, information technology, and other activities.
kegiatan lainnya.
5. Memberikan saran perbaikan dan informasi yang objektif 5. Provide suggestions for improvement and objective
tentang kegiatan yang diperiksa pada semua tingkat information about the activities examined at all levels of
manajemen. management.
6. Membuat laporan hasil audit dan menyampaikan laporan 6. Prepare an audit report and submit the report to the
tersebut kepada direktur utama dan Dewan Komisaris. President Director and the Board of Commissioners.
7. Memantau, menganalisis dan melaporkan pelaksanaan 7. Monitor, analyze and report on the implementation of
tindak lanjut perbaikan yang telah disarankan. follow-up improvements that have been suggested.
8. Bekerja sama dengan Komite Audit. 8. Cooperate with the Audit Committee.
9. Menyusun program untuk mengevaluasi mutu kegiatan 9. Develop a program to evaluate the quality of the internal
audit internal yang dilakukannya. audit activities it performs.
10. Melakukan pemeriksaan khusus apabila diperlukan. 10. Conduct special examinations if necessary.
Sertifikasi Profesi Professional Certification
Dalam rangka memastikan seluruh auditor Bank memiliki To ensure that all Bank auditors possess adequate qualifications
kualifikasi dan kompetensi yang memadai, Allo Bank and competencies, Allo Bank consistently facilitates Internal
senantiasa memfasilitasi Auditor Internal untuk mengikuti Auditors to participate in certification programs. This
program sertifikasi. Program sertifikasi ini ditujukan agar certification program aims to ensure optimal audit quality in
dapat memastikan kualitas audit yang optimal sesuai dengan accordance with applicable regulations. The certifications held
ketentuan yang berlaku. Adapun sertifikasi yang telah dimiliki by Allo Bank Auditors as of 2025 are as follows:
oleh Auditor Allo Bank hingga tahun 2025 adalah sebagai
berikut:
Tabel Sertifikasi Profesi Auditor Perseroan Tahun 2025
Table of the Company’s Auditor Professional Certification for 2025
Sertifikasi
No. Total
Certification
1. Auditor Kualifikasi IV KKNI 1
KKNI Qualification IV Auditor
2. Sertifikat Kompetensi Audit Intern Bank 1
Bank Internal Audit Competency Certificate
Peningkatan Kompetensi SKAI SKAI Competency Development
Selain mengikuti program sertifikasi, Auditor Internal senantiasa In addition to participating in certification programs, Internal
mengikuti pelatihan atau program pengembangan kompetensi Auditors regularly participate in training and competency
untuk menunjang dan mengoptimalkan peran serta fungsi Audit development programs to support and optimize the role
Internal. Informasi terkait program peningkatan kompetensi and function of Internal Audit. Information regarding the
yang dilakukan oleh Kepala SKAI pada tahun 2025 dapat dilihat competency development program implemented by the Head
pada Bab Profil Perusahaan dalam Laporan Tahunan ini. of Internal Audit in 2025 can be found in the Company Profile
section of this Annual Report.
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Laporan Pelaksanaan Tugas SKAI SKAI Task Implementation Report
Sepanjang tahun 2025, SKAI telah menyelesaikan 17 Throughout 2025, SKAI has completed 17 audit assignments
penugasan audit yang terdiri dari audit reguler maupun audit consisting of regular audits and audits at additional requests
atas permintaan tambahan dari manajemen. Atas audit yang from management. Based on the audits that have been
telah dilakukan, SKAI memberikan 86 rekomendasi, di mana conducted, SKAI has provided 86 recommendations, of which
4 rekomendasi audit belum jatuh tempo pada 31 Desember 4 audit recommendations have not matured as of December 31,
2025. Seluruh rekomendasi audit yang telah jatuh tempo telah 2025. All audit recommendations that have matured have been
ditindaklanjuti dengan tepat waktu. followed up in a timely manner.
Tinjauan dan Hasil Penelitian SKAI atas Efektivitas Review and Results of SKAI Research on
Sistem Pengendalian Internal Effectiveness of Internal Control System
Sebagai third lines of defense, SKAI bertugas untuk melakukan As the third line of defense, SKAI is tasked with examining
pemeriksaan terhadap efektivitas sistem pengendalian internal the effectiveness of the internal control system through risk-
melalui kegiatan audit berbasis risiko yang tertuang dalam based audit activities contained in the 2024 Annual Audit
Program Kerja Audit Tahunan 2024 yang telah disetujui Work Program approved by the President Director and the
oleh Direktur Utama dan Dewan Komisaris berdasarkan Board of Commissioners based on the recommendations of
rekomendasi Komite Audit. Berdasarkan hasil pemeriksaan the Audit Committee. Based on the results of the examination
terhadap efektivitas sistem pengendalian internal Bank, SKAI of the effectiveness of the Bank's internal control system, SKAI
menyimpulkan bahwa sistem pengendalian internal Bank telah concluded that the Bank's internal control system is adequate
memadai untuk memitigasi risiko yang secara signifikan dapat to mitigate risks that could significantly disrupt the Bank's
mengganggu operasional Bank, walaupun masih terdapat operations, although there are still several aspects of control
beberapa aspek pengendalian yang perlu ditingkatkan sehingga that need to be improved so that internal control becomes
pengendalian internal menjadi lebih efektif dan efisien. more effective and efficient.
Rencana Kerja Audit Tahun 2026 The 2026 Audit Work Plan
SKAI secara berkala menyusun Rencana Kerja Audit Tahun The Internal Audit Unit (SKAI) periodically prepares the 2026
2026 dengan mempertimbangkan strategi dan RBB yang Audit Work Plan, taking into account the Bank's strategy and
telah disusun oleh Bank pada tahun mendatang. Rencana Business Plan (RBB) for the coming year. The 2026 Audit Work
Kerja Audit Tahun 2026 menggunakan pendekatan audit Plan uses a risk-based audit approach, focusing on overseeing
berbasis risiko dengan fokus pengawasan seluruh kegiatan all of the Bank's operational activities. To realize its work plan,
operasional Bank. Untuk merealisasikan rencana kerjanya, the Internal Audit Unit (SKAI) will continue to improve auditor
SKAI akan terus melakukan peningkatan kompetensi auditor, competency, develop methodologies, and optimize audit tools.
pengembangan metodologi serta optimalisasi alat bantu audit. Based on these considerations, the Internal Audit Unit (SKAI)
Berdasarkan pertimbangan-pertimbangan tersebut, SKAI has established several audit work plans for 2026, with plans to
telah menetapkan sejumlah rencana kerja audit di tahun 2026 implement 14 audit assignments.
dengan merencanakan pelaksanaan 14 penugasan audit.
Fungsi Kepatuhan
Compliance Function
Bank telah membentuk fungsi kepatuhan sebagai bagian The Bank has established a compliance function as part of
dari langkah preventif untuk memastikan bahwa seluruh its preventive measures to ensure that all policies, provisions,
kebijakan, ketentuan, sistem, prosedur, serta kegiatan usaha systems, procedures, and business activities comply with
yang dilakukan oleh Bank telah sesuai dengan ketentuan applicable laws and regulations. The compliance function
dan peraturan perundang-undangan yang berlaku. Fungsi was also established to ensure the Bank's compliance with
kepatuhan juga dibentuk untuk memastikan kepatuhan Bank the provisions stipulated by regulators and/or other authorized
terhadap pelaksanaan ketentuan yang ditetapkan oleh regulator supervisory authorities.
dan/atau otoritas pengawas lain yang berwenang.
Di tahun 2025, Allo Bank telah memiliki kebijakan dari standar By 2025, Allo Bank had a policy and standard compliance
prosedur kepatuhan yang menjabarkan tugas dan tanggung procedures outlining the duties and responsibilities of the
jawab Satuan Kerja Kepatuhan dalam menjalankan fungsi Compliance Work Unit in carrying out its compliance function.
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kepatuhan. Penerapan fungsi kepatuhan yang dilakukan oleh The Bank's implementation of the compliance function is based
Bank mengacu pada Peraturan OJK No. 46/POJK.03/2017 on OJK Regulation No. 46/POJK.03/2017 concerning the
tentang Pelaksanaan Fungsi Kepatuhan Bank Umum. Implementation of the Compliance Function of Commercial
Banks.
Pembentukan standar ini dilatarbelakangi oleh kesadaran The establishment of this standard was motivated by the Bank's
Bank atas kondisi industri perbankan yang dinamis seiring awareness of the dynamic conditions of the banking industry,
dengan tingginya kesadaran masyarakat akan pentingnya along with heightened public awareness of the importance of
akses perbankan, perkembangan teknologi informasi, dan banking access, developments in information technology, and
persaingan usaha yang ketat sehingga berpengaruh pada intense business competition, which have resulted in increased
penambahan eksposur risiko. Perkembangan kondisi ini risk exposure. These evolving conditions require the Bank to
mengharuskan Bank untuk melakukan upaya preventif (exante) undertake both preventive (ex ante) and curative (ex post)
maupun kuratif (expost) untuk memitigasi risiko tersebut. Untuk measures to mitigate these risks. To that end, the Bank has
itu, Bank membentuk Satuan Kerja Kepatuhan yang bertugas established a Compliance Work Unit tasked with implementing
untuk menjalankan fungsi kepatuhan guna memastikan compliance functions to ensure that risk exposures in the Bank's
eksposur risiko dalam kegiatan usaha Bank dapat ditekan business activities can be minimized through preventive (ex-
melalui tindakan yang bersifat preventif (ex-ante). ante) measures.
Struktur Organisasi Fungsi Kepatuhan Compliance Function Organizational Structure
Satuan Kerja Kepatuhan dibentuk sebagai pelaksana fungsi The Compliance Work Unit was established to implement
kepatuhan Bank sebagaimana ditetapkan berdasarkan SK the Bank's compliance function, as stipulated in Board of
Direksi No. 101/DIRAB/24 tanggal 19 Desember 2024 tentang Directors Decree No. 101/DIRAB/24 dated December 19,
Perubahan Struktur Organisasi (Januari 2025) PT Allo Bank 2024, concerning Changes to the Organizational Structure
Indonesia Tbk. Satuan Kerja Kepatuhan bertanggung jawab (January 2025) of PT Allo Bank Indonesia Tbk. The Compliance
langsung kepada Direktur yang membawahkan fungsi Work Unit reports directly to the Director responsible for the
kepatuhan. Penunjukan dan pengangkatan Direktur yang compliance function. The appointment and promotion of the
membawahkan fungsi kepatuhan telah memenuhi persyaratan Director responsible for the compliance function have met
yang berlaku dan dilaksanakan melalui proses sebagaimana applicable requirements and are carried out through a process
ditentukan oleh OJK. determined by the Financial Services Authority (OJK).
Struktur Organisasi Satuan Kerja Kepatuhan
Organization Structure of Compliance Work Unit
Risk, Compliance & Legal Director
Compliance & AML CTF Head
Compliance Monitoring
Compliance Advisory Coordinator Officer AML & CTF
& Testing
Officer Transaction Monitoring
Officer Advisory
& Reporting
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Satuan Kerja Kepatuhan Compliance Work Unit
Satuan Kerja Kepatuhan selaku pelaksana fungsi kepatuhan The Compliance Work Unit, as the implementing body for
di Bank dipegang oleh Compliance & AML CTF Division. the Bank's compliance function, is held by the Compliance &
Unit ini bertanggung jawab langsung kepada Direktur Risiko, AML CTF Division. This unit reports directly to the Director of
Kepatuhan & Hukum. Dalam menjalankan peranya sebagai Risk, Compliance & Legal Affairs. In carrying out its role as a
Satuan Kerja Kepatuhan, Compliance & AML CTF Division Compliance Work Unit, the Compliance & AML CTF Division
memiliki sejumlah tugas dan tanggung jawab, antara lain: has several duties and responsibilities, including:
1. Mewujudkan terlaksananya budaya kepatuhan pada semua 1. Establish a compliance culture at all levels of the organization
tingkatan organisasi dan kegiatan usaha Bank. and the Bank’s business activities.
2. Mengelola risiko kepatuhan yang dihadapi oleh Bank. 2. Manage compliance risks faced by the Bank.
3. Memastikan agar kebijakan, ketentuan, sistem, dan 3. Ensure that the policies, regulations, systems, and
prosedur serta kegiatan usaha yang dilakukan oleh Bank procedures, as well as the business activities conducted
telah sesuai dengan ketentuan Otoritas Jasa Keuangan dan by the Bank, comply with the Financial Services Authority
ketentuan peraturan perundang-undangan. regulations and the provisions of laws and regulations.
4. Memastikan kepatuhan Bank terhadap komitmen yang 4. Ensure the Bank’s compliance with commitments made by
dibuat oleh Bank kepada Otoritas Jasa Keuangan dan/atau the Bank to the Financial Services Authority and/or other
otoritas pengawas lain yang berwenang. authorized supervisory authorities.
5. Mengkoordinasi penerapan program Anti Pencucian Uang, 5. Coordinate the implementation Anti Money Laundering,
Pencegahan Pendanaan Terorisme dan Pencegahan Counter-Terrorist Financing and Counter-Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (APU, PPT, Financing of Weapons of Mass Destruction program,
dan PPPSPM), termasuk di dalamnya bertanggung jawab including being responsible for conducting risk assessments
untuk melakukan penilaian risiko penerapan program APU, for the implementation of the AML-CFT & CPF programs in
PPT, dan PPPSPM sesuai ketentuan dari regulator. accordance with the provisions of the regulator.
Pelaksanaan Kegiatan Fungsi Kepatuhan Implementation of Compliance Function Activities
Di tahun 2025, fungsi kepatuhan telah melaksanakan tugasnya In 2025, the compliance function carried out its duties through
melalui sejumlah kegiatan, di antaranya: a number of activities, including:
1. Melakukan pemantauan terhadap pelaksanaan aktivitas 1. Monitoring the implementation of the bank's business and
bisnis dan operasional bank, untuk memastikan bahwa operational activities to ensure compliance with rules and
bank mematuhi peraturan dan ketentuan. regulations.
2. Melakukan diseminasi, analisa, dan gap analysis atas 2. Disseminating, analyzing, and gap analyzing the latest
ketentuan terbaru/regulasi yang baru terbit.Satuan kerja provisions/newly issued regulations. The compliance work
kepatuhan membandingkan regulasi terbaru dengan unit compared the latest regulations with internal policies
kebijakan internal dan mengusulkan dan/atau menyusun and proposed and/or drafted internal provisions to comply
ketentuan internal untuk dapat memenuhi regulasi terbaru with these new regulations. Furthermore, it periodically
tersebut. Kemudian mensirkulasikan setiap ketentuan baru circulated any new provisions from regulators (OJK,
dari Regulator (OJK, Bank Indonesia, PPATK, dan peraturan Bank Indonesia, PPATK, and other applicable laws and
perundang-undangan lainnya yang berlaku) secara berkala regulations) to all levels of the organization.
ke semua jenjang organisasi.
3. Menghadiri sosialisasi dan training yang diadakan oleh 3. Attending dissemination and training sessions held by
Regulator terkait maupun pihak eksternal lainnya terkait relevant regulators and other external parties regarding the
regulasi terkini dan hal-hal lain terkait kepatuhan. latest regulations and other compliance-related matters.
4. Menginisiasi sosialisasi ketentuan dengan unit kerja terkait 4. Initiating the dissemination of regulations to relevant work
di lingkungan bank. units within the bank.
5. Menjadi trainer dalam program “Induction Training” untuk 5. Serving as a trainer in the "Induction Training" program for
karyawan baru dan juga dalam program “Building a Risk new employees and in the "Building a Risk-Smart Culture"
-Smart Culture” untuk seluruh karyawan. program for all employees.
6. Menyelenggarakan policy awareness terkait Good Corporate 6. Conducting policy awareness training related to Good
Governance dengan pre test dan post test yang diikuti oleh Corporate Governance with pre- and post-tests for all
seluruh karyawan. employees.
7. Mengikuti training Integrated Governance Risk and 7. Participating in Integrated Governance Risk and Compliance
Compliance (IGRC) yang diselenggarakan internal dengan (IGRC) training conducted internally, featuring experts.
menghadirkan expertise.
8. Diskusi secara langsung dengan divisi/unit kerja terkait 8. Conducting direct discussions with divisions/work units
peraturan, ketentuan, dan pemenuhan komitmen kepada regarding regulations, provisions, and fulfillment of
regulator. commitments to regulators.
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9. Satuan kerja kepatuhan berperan sebagai Liaison Officer 9. The Compliance Unit serves as a Liaison Officer,
atau penghubung, mengkoordinasikan antara regulator coordinating regulators and relevant departments within the
dengan bagian-bagian terkait di bank dalam rangka bank regarding bank supervision, including data requests
pengawasan bank antara lain permintaan data serta and monitoring compliance, as well as matters requiring
monitoring pemenuhannya dan hal-hal yang perlu untuk coordination/consultation and discussion with regulators.
dikoordinasikan/dikonsultasikan serta memerlukan diskusi
dengan regulator.
10. Secara berkala menyampaikan reminder atas kewajiban 10. Periodically issuing reminders regarding the bank's
pelaporan bank kepada unit kerja terkait, untuk memastikan reporting obligations to relevant work units to ensure that
bahwa bank memenuhi kewajiban pelaporan secara tepat the bank fulfills reporting obligations in a timely manner.
waktu.
11. Memastikan kepatuhan bank terhadap komitmen dengan 11. Ensuring the bank's compliance with commitments to
regulator. regulators.
12. Melakukan penilaian sendiri atas pelaksanaan tata kelola 12. Conducting a self-assessment of Good Corporate
(Self Assessment Good Corporate Governance) yang Governance implementation every semester.
dilaksanakan setiap semester.
13. Sehubungan dengan memastikan terlaksananya Fungsi 13. In order to ensure the implementation of the Bank's
Kepatuhan Bank, Direksi dan Dewan Komisaris senantiasa Compliance Function, the Board of Directors and Board of
melakukan pengawasan terhadap pelaksanaan Fungsi Commissioners continuously supervise the implementation
Kepatuhan yang antara lain dilakukan melalui mekanisme of the Compliance Function, including through the following
sebagai berikut: mechanisms:
a. Laporan pelaksanaan tugas dan tanggung jawab satuan a. Reporting on the implementation of the compliance
kerja kepatuhan kepada Direktur Kepatuhan (bulanan). work unit's duties and responsibilities to the Director of
Compliance (monthly).
b. Laporan pelaksanaan tugas dan tanggung jawab b. Reporting on the implementation of the Compliance
Direktur Kepatuhan kepada Direktur Utama dengan Director's duties and responsibilities to the President
tembusan kepada Dewan Komisaris (triwulanan). Director with a copy to the Board of Commissioners
(quarterly).
c. Komunikasi berkala melalui forum rapat Direksi, rapat c. Regular communication through Board of Directors
Dewan Komisaris, rapat gabungan Direksi dan Dewan meetings, Board of Commissioners meetings, and
Komisaris. joint meetings of the Board of Directors and Board of
Commissioners.
14. Melakukan pengujian atas aspek kepatuhan terhadap 14. Conducting bank-wide compliance testing to determine
peraturan regulator secara bank wide untuk mengetahui dan and measure the level of compliance of work units in
mengukur tingkat kepatuhan unit kerja dalam melakukan carrying out their activities and their compliance with
aktivitasnya dan kesesuaiannya terhadap peraturan serta regulations, as well as anticipating and avoiding any risks
mengantisipasi dan menghindari adanya risiko pelanggaran of violations of regulatory regulations that may exist within
terhadap peraturan Regulator yang mungkin ada pada unit the work unit.
kerja.
15. Memberikan opini terhadap penyusunan dan/atau 15. Providing opinions on the preparation and/or design of
rancangan kebijakan dan prosedur internal, pemberian internal policies and procedures, credit disbursement, and
kredit, serta melakukan kajian atas aktivitas dan/atau produk conducting reviews of the bank's activities and/or new
baru bank. products.
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Audit Eksternal/
Akuntan Publik
● External Audit/Public Accountant
Kepatuhan terhadap Akuntan publik merupakan organ Public accountants are external organs
eksternal perusahaan yang memiliki of the company that have an important
Standar Akuntansi
peran penting dalam memberikan opini role in providing opinions regarding the
Keuangan Indonesia
terkait kesesuaian penyajian laporan conformity of the presentation of the
Compliance with Indonesian keuangan Perusahaan dengan Standar Company's financial statements with
Financial Accounting Akuntansi Keuangan (SAK) yang the Financial Accounting Standards
Standards berlaku di Indonesia. Akuntan publik (SAK) applicable in Indonesia. Public
menjalankan fungsi audit eksternal accountants carry out external audit
dengan melaksanakan pemeriksaan functions by conducting examinations
Laporan Keuangan Bank untuk of the Bank's Financial Statements to
memastikan bahwa informasi keuangan ensure that the financial information in
dimaksud disusun dan disajikan question is prepared and presented in a
secara berkualitas, membentuk dan quality manner, forming and expressing
menyatakan pendapat atas kewajaran opinions on the fairness of the Bank's
Laporan Keuangan Bank, serta menguji Financial Statements, and testing internal
pengendalian internal, termasuk controls, including re-testing matters
melakukan pengujian kembali atas hal- that have been tested by the Internal
hal yang sudah diuji oleh Internal Audit Audit and observing the procedures
dan melakukan observasi dari prosedur carried out by the Internal Audit.
yang dilakukan oleh Internal Audit.
Mekanisme Penunjukan Penggunaan jasa Akuntan Publik The use of Public Accountant services
untuk melakukan audit atas Laporan to audit the Bank's Financial Statements
Akuntan Publik
Keuangan Bank dilakukan dengan was conducted in accordance with OJK
Public Accountant
mengacu pada Peraturan OJK No. 18 Regulation No. 18 of 2025 concerning
Appointment Mechanism Tahun 2025 tentang Transparansi dan Transparency and Publication of Bank
Publikasi Laporan Bank dan POJK No. 9 Reports and POJK No. 9 of 2023
Tahun 2023 tentang Penggunaan Jasa concerning the Use of Public Accountant
Akuntan Publik dan Kantor Akuntan Services and Public Accounting Firms
Publik dalam Kegiatan Jasa Keuangan in Financial Services Activities, as well
serta hasil keputusan RUPS Tahunan as the resolution of the Annual General
tanggal 10 April 2025 yang memberikan Meeting of Shareholders on April 10,
wewenang dan kuasa kepada Dewan 2025, which granted the Board of
Komisaris untuk menunjuk Kantor Commissioners the authority and power
Akuntan Publik yang terdaftar di Otoritas to appoint a Public Accounting Firm
Jasa Keuangan, yang akan melakukan registered with the Financial Services
audit terhadap keuangan Bank tahun Authority to audit the Bank's financial
buku 2025 dengan memperhatikan statements for the fiscal year 2025, taking
rekomendasi dari Komite Audit. into account the recommendations
Pelaksanaan audit atas Laporan of the Audit Committee. The audit of
Keuangan Bank untuk tahun buku 2025 the Bank's Financial Statements for
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telah dilakukan oleh Kantor Akuntan Publik yang independen, the fiscal year 2025 was conducted by an independent,
kompeten, profesional, dan obyektif sesuai dengan Standar competent, professional, and objective Public Accounting
Profesional Akuntan Publik, serta perjanjian kerja dan ruang Firm in accordance with the Professional Standards for Public
lingkup audit yang telah ditetapkan. Accountants, as well as the established work agreement and
audit scope.
Berdasarkan keputusan RUPS Tahunan, Dewan Komisaris telah Based on the decision of the Annual GMS, the Board of
menyetujui penunjukan Kantor Akuntan Publik Amir Abadi Jusuf, Commissioners has approved the appointment of Public
Aryanto, Mawar & Rekan (RSM Indonesia) untuk melakukan Accounting Firm Amir Abadi Jusuf, Aryanto, Mawar & Rekan
pekerjaan mengaudit Laporan Keuangan Bank tahun buku (RSM Indonesia) to audit the Bank's Financial Statements for the
yang berakhir pada tanggal 31 Desember 2025. Penunjukan financial year ending December 31, 2025. The appointment of
Kantor Akuntan Publik tersebut berdasarkan rekomendasi the Public Accounting Firm was based on the recommendation
Komite Audit, di mana proses pemilihannya dilakukan sesuai of the Audit Committee, where the selection process was carried
dengan mekanisme pengadaan barang dan jasa yang berlaku. out in accordance with the applicable procurement mechanisms
Untuk menjamin independensi dan kualitas hasil pemeriksaan, for goods and services. To ensure the independence and
Auditor Eksternal yang ditunjuk tidak memiliki benturan quality of the audit results, the appointed External Auditor has
kepentingan dengan Bank. no conflict of interest with the Bank.
Daftar Akuntan Publik 5 Tahun Terakhir dan Biayanya
List of Public Accountant for the Last 5 Years and the Fee
Tahun Kantor Akuntan Publik Akuntan Publik Biaya (Rp)
Year Public Accounting Firm Public Accountant Fee (IDR)
2025 KAP Amir Abadi Jusuf, Aryanto, Mawar & Rekan (RSM Indonesia) Saptoto Agustomo 875.500.000,-
2024 KAP Amir Abadi Jusuf, Aryanto, Mawar & Rekan (RSM Indonesia) Bimo Iman Santoso, S.E., Ak., CPA 850.000.000,-
2023 KAP Amir Abadi Jusuf, Aryanto, Mawar & Rekan (RSM Indonesia) Bimo Iman Santoso, S.E., Ak.,CPA 950.000.000,-
2022 KAP Kosasih, Nurdiyaman, Mulyadi, Tjahjo dan Rekan (Anggota Crowe Global) Mulyadi 480.000.000,-
2021 KAP Kosasih, Nurdiyaman, Mulyadi, Tjahjo dan Rekan (Anggota Crowe Global) Mulyadi 352.000.000,-
Jasa Lain yang Diberikan
Other Services Provided
Di tahun 2025, Akuntan Publik tidak memberikan jasa lain In 2025, the Public Accountant will not provide any other
selain melakukan audit atas Laporan Keuangan Bank untuk services other than conducting an audit of the Bank's Financial
tahun-tahun yang berakhir pada 31 Desember 2025 dan 2024. Statements for the years ended December 31, 2025 and 2024.
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Manajemen
Risiko
● Risk Management
Dalam rangka memastikan kinerja To ensure healthy business performance
usaha yang sehat dan tumbuh secara and sustainable growth, the Bank
berkesinambungan, Bank secara proactively implements adaptive
proaktif menerapkan pengelolaan risk management while adhering to
risiko yang adaptif dan memperhatikan prudent principles. The Bank makes
prinsip kehati-hatian. Bank menjadikan risk management a management
pengelolaan risiko sebagai tanggung responsibility, ensuring the achievement
jawab manajemen dalam memastikan of organizational goals by internalizing
tercapainya sasaran organisasi the Bank's risk management process
dengan melakukan internalisasi proses so that it is embedded in every activity.
manajemen risiko di Bank sehingga akan In addition to implementing GCG
melekat pada setiap aktivitas. Selain best practices, the implementation of
sebagai bentuk penerapan best practice integrated and comprehensive risk
GCG, penerapan manajemen risiko yang management is also believed to support
terpadu dan komprehensif juga diyakini the achievement of performance targets
dapat mendukung pencapaian target and maintain business continuity.
kinerja dan menjaga kelangsungan
usaha.
Gambaran Umum Bank memandang bahwa penerapan The Bank believes that implementing
strategi manajemen risiko yang aktif an active risk management strategy can
Manajemen Risiko
mampu meningkatkan efektivitas improve capital utilization effectiveness
General Overview of Risk
penggunaan modal dan tingkat and return on capital, thereby providing
Management pengembalian modal sehingga dapat added value for shareholders. In its
memberikan nilai tambah bagi pemegang implementation, the Bank considers
saham. Pada pelaksanaannya, Bank the scope of risk management
memperhatikan cakupan penilaian implementation assessment through
penerapan manajemen risiko melalui the Bank's risk profile, assessing both
profil risiko Bank, baik penilaian inherent risk and the quality of risk
inherent risk maupun penilaian kualitas management implementation. It also
penerapan manajemen risiko serta adjusts each assessment indicator in
menyesuaikan setiap indikator penilaian accordance with new regulations using
sesuai dengan peraturan yang baru the Risk-Based Bank Rating (RBBR)
dengan menggunakan konsep Risk concept.
Based Bank Rating (RBBR).
Penerapan manajemen risiko yang The Bank's comprehensive risk
komprehensif di Bank dilakukan dengan management implementation is carried
mengacu pada Peraturan OJK No. 18/ out in accordance with OJK Regulation
POJK.03/2016 tanggal 16 Maret 2016 No. 18/POJK.03/2016 dated March 16,
tentang Penerapan Manajemen Risiko 2016, concerning the Implementation
bagi Bank Umum dan dokumen- of Risk Management for Commercial
dokumen dari Basel Committee on Banks and documents from the Basel
Banking Supervision. Atas dasar ini, Committee on Banking Supervision.
Bank memandang perlunya untuk Based on this, the Bank recognizes the
membangun kesadaran dan budaya need to build awareness and a culture of
manajemen risiko terpadu (integrated integrated risk management to achieve
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risk culture) guna mencapai tujuan Bank jangka panjang. Fokus the Bank's long-term objectives. The Bank's risk management
penerapan manajemen risiko Bank sendiri lebih diutamakan implementation focuses primarily on the effectiveness of
pada efektivitas penerapan tata kelola dan kerangka kerja governance and the risk management framework.
manajemen risiko.
Mekanisme pengelolaan risiko secara day to day dengan The day-to-day risk management mechanism based on the
berdasarkan prinsip kehati-hatian telah dituangkan dalam principle of prudence has been outlined in several policies and
beberapa kebijakan dan prosedur, yang merupakan aturan acuan procedures, which are the reference rules in the implementation
dalam implementasi manajemen risiko pada seluruh kegiatan of risk management in all Bank business activities that
bisnis Bank yang meliputi kebijakan, strategi, organisasi, sistem include policies, strategies, organizations, risk management
informasi manajemen risiko, pengawasan risiko, pengelolaan information systems, risk supervision, product management,
produk, aktivitas baru dan Business Continuity Plan (BCP). new activities and Business Continuity Plan (BCP). To ensure
Untuk menjamin tercapainya praktik manajemen risiko yang the achievement of good risk management practices in the
baik pada Bank, Komite Pemantau Risiko dan Komite Audit Bank, the Risk Monitoring Committee and the Audit Committee
berkontribusi dalam mendukung pelaksanaan tugas Dewan contribute in supporting the implementation of the Board of
Komisaris. Komite Pemantau Risiko memiliki tanggung jawab Commissioners' duties. The Risk Monitoring Committee is
dalam pemantauan dan evaluasi pelaksanaan manajemen risiko responsible for monitoring and evaluating the implementation
di Bank, sedangkan Komite Audit bertanggung jawab dalam of risk management in the Bank, while the Audit Committee is
pemantauan dan evaluasi pelaksanaan audit, pengendalian responsible for monitoring and evaluating the implementation
proses internal dan pelaporan keuangan. of audits, internal process controls and financial reporting.
Kerangka Manajemen Risiko
Risk Management Framework
Kerangka kerja manajemen risiko Bank menetapkan pendekatan The Bank's risk management framework establishes a risk
pengelolaan risiko dan kerangka pengendalian di mana risiko management approach and control framework through
dikelola untuk mendapatkan keseimbangan antara risiko (risk) which risks are managed to achieve a balance between risk
dan pendapatan (return). Penerapan kerangka kerja manajemen and return. The implementation of the risk management
risiko dilakukan melalui perumusan tingkat risiko yang akan framework is carried out through the formulation of the level
diambil (risk appetite), dan toleransi risiko (risk tolerance) bagi of risk to be taken (risk appetite) and risk tolerance for each
setiap jenis risiko, pengembangan kebijakan dan prosedur type of risk, the development of appropriate risk management
manajemen risiko yang berkesesuaian serta pengembangan policies and procedures, and the development of an integrated
struktur pengendalian internal secara terpadu. Selain itu, internal control structure. Furthermore, the Bank also builds a
Bank juga membangun budaya risiko yang menitikberatkan risk culture that emphasizes the awareness of all employees
kesadaran seluruh pegawai akan risiko dan efektivitas proses regarding risk and the effectiveness of the risk management
manajemen risiko. Penerapan manajemen risiko di Allo Bank process. The implementation of risk management at Allo Bank
mengacu pada empat pilar manajemen risiko, yaitu: refers to four pillars of risk management, namely:
1. Pengawasan aktif Dewan Komisaris dan Direksi. 1. Active supervision of the Board of Commissioners and
Directors.
2. Kecukupan kebijakan, prosedur, dan penetapan limit 2. Adequacy of risk management policies, procedures, and
manajemen risiko. determination of limits.
3. Kecukupan proses identifikasi, pengukuran, pemantauan, 3. Adequacy of the process of identification, measurement,
dan pengendalian Risiko serta sistem informasi manajemen monitoring, and control of Risk and the risk management
risiko. information system.
4. Sistem pengendalian internal yang menyeluruh. 4. Comprehensive internal control system.
Struktur Organisasi dan Tata Kelola Organizational Structure and Governance
Dalam menjalankan memastikan pengelolaan risiko, Bank telah In ensuring risk management, the Bank has established a
membentuk Komite Manajemen Risiko dan Komite Aset dan Risk Management Committee and an Asset and Liability
Liabilitas (ALCO) pada tingkat Direksi serta Komite Pemantau Committee (ALCO) at the Board of Directors level, as well as
Risiko pada tingkat Dewan Komisaris. Komite Pemantau a Risk Monitoring Committee at the Board of Commissioners
Risiko bertanggung jawab untuk mengevaluasi keakuratan level. The Risk Monitoring Committee is responsible for
kebijakan manajemen risiko dan implementasinya, memantau evaluating the accuracy of risk management policies and their
serta mengevaluasi kinerja dari Komite Manajemen Risiko dan implementation, monitoring and evaluating the performance of
Satuan Kerja Manajemen Risiko. Komite Manajemen Risiko the Risk Management Committee and the Risk Management
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menetapkan strategi, kebijakan, dan prosedur manajemen Work Unit. The Risk Management Committee establishes risk
risiko, serta memantau implementasinya, mengembangkan management strategies, policies, and procedures, and monitors
budaya pengelolaan risiko, dan memastikan sumber daya yang their implementation, develops a risk management culture, and
memadai telah dikembangkan untuk memastikan pengelolaan ensures adequate resources have been developed to ensure
risiko di Allo Bank. Sementara, ALCO bertanggung jawab untuk risk management at Allo Bank. Meanwhile, ALCO is responsible
mengelola modal dan menetapkan kebijakan terkait dengan for managing capital and establishing policies related to
pengelolaan neraca dan kepatuhan terhadapnya, termasuk di balance sheet management and compliance, including liquidity
dalamnya manajemen risiko likuiditas, kecukupan modal, dan risk management, capital adequacy, and interest rate risk.
risiko suku bunga.
Jenis Risiko
Types of Risk
Sesuai aturan POJK No. 18/POJK.03/2016 dan SEOJK No. 34/ In accordance with POJK No. 18/POJK.03/2016 and SEOJK
SEOJK.03/2016 tentang Penerapan Manajemen Risiko bagi No. 34/SEOJK.03/2016 concerning the Implementation of Risk
Bank Umum, Allo Bank mengelola risiko berdasarkan aktivitas Management for Commercial Banks, Allo Bank manages risks
fungsional Bank yang terdiri dari: based on the Bank's functional activities which consist of:
Risiko Kredit Credit Risk
Risiko Kredit adalah risiko yang timbul sebagai akibat Credit risk is the risk arising from a counterparty's failure to fulfill
kegagalan counterparty memenuhi liabilitasnya. Bank its obligations. The Bank manages credit risk by developing
melakukan pengelolaan risiko kredit dengan menyusun strategi strategies and frameworks and implementing risk mitigation
dan kerangka kerja serta menjalankan upaya mitigasi risiko efforts across its micro, retail, commercial, and consumer
atas aspek bisnis perkreditan mikro, retail, komersial, maupun lending businesses, interbank placements, and securities
konsumsi, penempatan antar-bank serta pembelian surat purchases. The Bank operates credit activities through digital
berharga. Bank memiliki aktivitas perkreditan melalui model credit business models, such as Paylater and Instant Cash. The
bisnis kredit digital, seperti Paylater dan Instant Cash. Bank Bank implements a risk management process, encompassing
menerapkan proses risk management mulai dari identifikasi, identification, measurement, monitoring, and control of credit
pengukuran, pemantauan hingga pengendalian risiko kredit risk to ensure appropriate and effective management.
untuk dapat dikelola dengan tepat dan efektif.
Bank menyadari bahwa dengan mengubah model bisnis The Bank recognizes that by transforming its business model to
menjadi digital, risiko yang melekat pada aktivitas perkreditan digital, risks inherent in digital platform-based credit activities
yang berbasis platform digital akan timbul, mulai dari akses will arise, including broader access to prospective borrowers,
calon debitur yang lebih luas karena dapat diakses oleh as they can be accessed anytime and anywhere. Furthermore,
calon debitur kapanpun dan dimanapun. Selain itu platform digital platforms require more accurate verification of
digital membutuhkan verifikasi calon debitur dan dokumen prospective borrowers and document requirements due to
persyaratan yang lebih akurat akibat tidak adanya tatap the absence of face-to-face interaction and the absence of
muka langsung dengan calon debitur dan tanpa penyerahan physical documentation.
dokumentasi fisik.
Untuk menjaga agar kualitas kredit Bank tetap terjaga dengan To maintain the Bank's credit quality, credit quality is routinely
baik, maka pemantauan terhadap kualitas kredit terus dilakukan monitored, both by credit category and by the overall credit
secara rutin, baik per kategori kredit maupun portofolio kredit portfolio. The debtor risk profile measurement system,
secara keseluruhan. Sistem pengukuran profil risiko debitur, procedures, risk management system, database system and
prosedur, sistem manajemen risiko, sistem database dan credit organization are continuously being refined with an
organisasi perkreditan terus disempurnakan dengan penekanan emphasis on the application of the “four eyes” principle where
kepada penerapan prinsip “empat mata” (four eyes principle) credit decisions are taken based on considerations from two
dimana keputusan kredit diambil berdasarkan pertimbangan sides, namely the business development side and the credit risk
dari dua sisi, yaitu sisi pengembangan bisnis dan sisi analisis analysis side.
risiko kredit.
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Risiko Pasar Market Risk
Risiko pasar (market risk) merupakan risiko yang timbul dari Market risk arises from a Bank's portfolio due to adverse market
portofolio yang dimiliki oleh Bank karena adanya pergerakan movements that could potentially harm the Bank. Market risk
variabel pasar (adverse movement) yang berpotensi merugikan is divided into two categories: interest rate risk and exchange
Bank. Risiko pasar sendiri dibagi menjadi 2 (dua), yakni risiko rate risk. In general, the steps and plans taken to anticipate
suku bunga dan risiko nilai tukar. Secara umum, langkah- market risk for transactions related to exchange rate and
langkah dan rencana yang dilakukan untuk mengantisipasi interest rate risk include establishing and controlling market
risiko pasar atas transaksi yang terkait dengan risiko nilai tukar risk limits, such as VaR Limits, Nominal Limits, and Stop-Loss
dan suku bunga adalah dengan melakukan penetapan dan Limits, as well as conducting stress tests to measure risk. Market
kontrol limit risiko pasar seperti Limit VaR, Limit Nominal dan risk management as a digital-based commercial bank will also
Limit Stop Loss serta melakukan stress test dalam mengukur remain guided by sound market risk management.
risiko. Pengelolaan risiko pasar sebagai Bank umum berbasis
digital juga akan tetap berpedoman dalam pengelolaan risiko
pasar yang sehat.
Risiko Likuiditas Liquidity Ratio
Risiko likuiditas muncul sebagai akibat dari mismatch struktur Liquidity risk arises from a mismatch in the structure of a
aset dan liabilitas Bank. Bank mengelola risiko likuiditas untuk Bank's assets and liabilities. The Bank manages liquidity risk to
memastikan kemampuan dalam memenuhi liabilitas kepada ensure its ability to meet maturing obligations to customers or
nasabah atau counterparty yang jatuh tempo dengan menjaga counterparties by maintaining and preserving sufficient liquid
dan mempertahankan jumlah aset likuid yang cukup untuk assets to pay customer deposits, provide funds for lending,
membayar simpanan para nasabah, penyediaan dana dalam meet operational liquidity needs, and ensure that the amount of
rangka pemberian kredit, pemenuhan kebutuhan likuiditas assets maturing in each period covers the amount of maturing
operasional dan menjaga agar jumlah aset yang jatuh tempo liabilities. The Bank will continue to improve and develop
pada setiap periode dapat menutupi jumlah liabilitas yang jatuh effective and efficient liquidity risk management to manage and
tempo. Bank akan terus meningkatkan dan mengembangkan control the impact of its activities.
manajemen risiko likuiditas yang efektif dan efisien untuk
mengelola serta mengendalikan akibat dari aktivitas bank.
Bank senantiasa mengidentifikasi dan memantau faktor utama The Bank continuously identifies and monitors key factors
yang mempengaruhi kemampuan Bank untuk memperoleh affecting its ability to obtain funds, including identifying and
dana, termasuk mengidentifikasi dan memantau alternatif monitoring funding alternatives that can strengthen its capacity
pendanaan yang dapat memperkuat kapasitasnya untuk to withstand crises, including:
bertahan pada kondisi krisis antara lain:
1. Memenuhi primary reserve yang menjadi kewajiban untuk 1. Fulfilling primary reserve which is an obligation to fulfill
memenuhi persyaratan internal maupun eksternal; internal and external requirements;
2. Memelihara secondary reserve dalam bentuk Surat Berharga 2. Maintaining secondary reserves in the form of Securities
dan antar Bank Aktiva dalam rangka memenuhi kebutuhan and inter-bank assets in order to meet daily operational
operasional harian dan memenuhi kebutuhan tak terduga, needs and meet unexpected needs, such as withdrawals of
seperti adanya penarikan uang dalam jumlah besar; large amounts of money;
3. Strategi suku bunga, alternatif investasi bagi pemilik dana, 3. Interest rate strategies, investment alternatives for fund
perubahan perilaku nasabah, perubahan nilai tukar dan owners, changes in customer behavior, changes in
selisih suku bunga yang ditawarkan oleh bank bank pesaing exchange rates and interest rate differences offered by
utama atau hal lain yang mempengaruhi perubahan major competing banks or other things that influence
struktur dana, volatilitas dana, serta core funds dipantau changes in fund structure, fund volatility and core funds are
secara berkala; monitored regularly;
4. Melakukan perhitungan dan pemantauan proyeksi cashflow 4. Calculating and monitoring cash flow projections and the
dan profil maturitas Bank serta melakukan pengendalian Bank’s maturity profile and carrying out controls so that
agar tetap terjaga sesuai appetite manajemen; they are maintained in line with management appetite;
5. Tetap mempertahankan core deposan pada level atau 5. Maintaining core depositors at a certain level or percentage
persentase tertentu dan mengupayakan penyebaran and strive to spread the placement period for third party
jangka waktu penempatan dana pihak ketiga sehingga funds so that they are not concentrated at one maturity
tidak terkonsentrasi pada satu titik jatuh tempo; dan point; and
6. Mengupayakan pendanaan berbiaya rendah melalui 6. Seeking low-cost funding through marketing and
program pemasaran maupun segmentasi. segmentation programs.
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Risiko Likuiditas Liquidity Ratio
Risiko likuiditas muncul sebagai akibat dari mismatch struktur Liquidity risk arises from a mismatch in the structure of a
aset dan liabilitas Bank. Bank mengelola risiko likuiditas untuk Bank's assets and liabilities. The Bank manages liquidity risk to
memastikan kemampuan dalam memenuhi liabilitas kepada ensure its ability to meet maturing obligations to customers or
nasabah atau counterparty yang jatuh tempo dengan menjaga counterparties by maintaining and preserving sufficient liquid
dan mempertahankan jumlah aset likuid yang cukup untuk assets to pay customer deposits, provide funds for lending,
membayar simpanan para nasabah, penyediaan dana dalam meet operational liquidity needs, and ensure that the amount of
rangka pemberian kredit, pemenuhan kebutuhan likuiditas assets maturing in each period covers the amount of maturing
operasional dan menjaga agar jumlah aset yang jatuh tempo liabilities. The Bank will continue to improve and develop
pada setiap periode dapat menutupi jumlah liabilitas yang jatuh effective and efficient liquidity risk management to manage and
tempo. Bank akan terus meningkatkan dan mengembangkan control the impact of its activities.
manajemen risiko likuiditas yang efektif dan efisien untuk
mengelola serta mengendalikan akibat dari aktivitas bank.
Bank senantiasa mengidentifikasi dan memantau faktor utama The Bank continuously identifies and monitors key factors
yang mempengaruhi kemampuan Bank untuk memperoleh affecting its ability to obtain funds, including identifying and
dana, termasuk mengidentifikasi dan memantau alternatif monitoring funding alternatives that can strengthen its capacity
pendanaan yang dapat memperkuat kapasitasnya untuk to withstand crises, including:
bertahan pada kondisi krisis antara lain:
1. Memenuhi primary reserve yang menjadi kewajiban untuk 1. Fulfilling primary reserve which is an obligation to fulfill
memenuhi persyaratan internal maupun eksternal; internal and external requirements;
2. Memelihara secondary reserve dalam bentuk Surat Berharga 2. Maintaining secondary reserves in the form of Securities
dan antar Bank Aktiva dalam rangka memenuhi kebutuhan and inter-bank assets in order to meet daily operational
operasional harian dan memenuhi kebutuhan tak terduga, needs and meet unexpected needs, such as withdrawals of
seperti adanya penarikan uang dalam jumlah besar; large amounts of money;
3. Strategi suku bunga, alternatif investasi bagi pemilik dana, 3. Interest rate strategies, investment alternatives for fund
perubahan perilaku nasabah, perubahan nilai tukar dan owners, changes in customer behavior, changes in
selisih suku bunga yang ditawarkan oleh bank-bank pesaing exchange rates and interest rate differences offered by
utama atau hal lain yang mempengaruhi perubahan major competing banks or other things that influence
struktur dana, volatilitas dana, serta core funds dipantau changes in fund structure, fund volatility and core funds are
secara berkala; monitored regularly;
4. Melakukan perhitungan dan pemantauan proyeksi cashflow 4. Calculating and monitoring cash flow projections and the
dan profil maturitas Bank serta melakukan pengendalian Bank’s maturity profile and carrying out controls so that
agar tetap terjaga sesuai appetite manajemen; they are maintained in line with management appetite;
5. Tetap mempertahankan core deposan pada level atau 5. Maintaining core depositors at a certain level or percentage
persentase tertentu dan mengupayakan penyebaran and strive to spread the placement period for third party
jangka waktu penempatan dana pihak ketiga sehingga funds so that they are not concentrated at one maturity
tidak terkonsentrasi pada satu titik jatuh tempo; dan point; and
6. Mengupayakan pendanaan berbiaya rendah melalui 6. Seeking low-cost funding through marketing and
program pemasaran maupun segmentasi. segmentation programs.
Risiko Strategis Strategic Risk
Risiko strategis adalah risiko antara lain disebabkan adanya Strategic risk is the risk caused by, among other things, the
penetapan dan pelaksanaan strategi Bank yang tidak tepat, Bank's inappropriate strategy formulation and implementation,
pengambilan keputusan rencana bisnis yang tidak tetap atau inconsistent business plan decisions, or the Bank's lack
kurang responsifnya Bank terhadap perubahan eksternal. of responsiveness to external changes. Strategic risk
Pengelolaan risiko strategis melalui proses pertimbangan management is carried out through a process of collective and
dan pengambilan keputusan setiap kebijakan secara kolektif comprehensive consideration and decision-making for each
dan komprehensif oleh Direksi dan Komite-komite yang telah policy by the Board of Directors and established committees.
dibentuk serta memantau realisasi rencana strategis dengan This includes monitoring the implementation of the strategic
membandingkan target yang akan dicapai dan memastikan plan by comparing targets to be achieved and ensuring that
bahwa risiko yang akan diambil masih dalam batas toleransi. the risks taken remain within tolerable limits.
Seiring dengan strategi Bank yang menggunakan model In line with the Bank's strategy of adopting a digital business
bisnis digital, maka Bank mengelola kesesuaian strategi model, the Bank manages the appropriateness of this strategy
tersebut sesuai dengan lingkungan bisnis yang ada. Bank juga to the existing business environment. The Bank also measures
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mengukur tingkat persaingan dan posisi bisnis Bank dalam the level of competition and its business position in formulating
formulasi strategi bisnis, serta pencapaian rencana bisnis its business strategy, as well as the achievement of the business
terhadap realisasi kinerja yang dicapai. plan against actual performance.
Risiko Reputasi Reputation Risk
Risiko reputasi adalah risiko yang antara lain disebabkan oleh Reputational risk is the risk caused by, among other things,
adanya publikasi negatif yang terkait dengan kegiatan usaha negative publicity related to the Bank's business activities or
Bank atau persepsi negatif terhadap Bank. Identifikasi risiko negative perceptions of the Bank. Reputational risk is identified
reputasi dilakukan pada faktor-faktor risiko yang melekat pada based on risk factors inherent in functional activities, including
aktivitas fungsional yang mencakup keterbukaan (disclosure disclosure requirements, customer complaints regarding Bank
requirement), keluhan nasabah terhadap pelayanan Bank, services, employee behavior in serving customers, the Bank's
perilaku karyawan Bank dalam melayani nasabah dan sistem communication system, and all banking activities.
komunikasi Bank serta seluruh aktivitas perbankan.
Sebagai salah satu entitas anak di bawah CT Corpora melalui As a subsidiary under CT Corpora through Mega Corpora,
Mega Corpora, Bank percaya bahwa hal ini dapat meningkatkan the Bank believes this can enhance its reputation in the
reputasinya dalam industri perbankan. Meskipun demikian, banking industry. However, the complexity of its products and
kompleksitas produk dan bisnis dapat meningkatkan potensi business can increase potential risks due to the digital business
risiko yang ada karena model bisnis digital yang meningkatkan model, which increases the frequency of digital interactions
frekuensi interaksi digital dengan nasabah. Bank juga with customers. The Bank also ensures customer protection
memastikan adanya perlindungan nasabah dengan melakukan by identifying, preparing, and ensuring the readiness of
identifikasi, menyiapkan dan memastikan kesiapan komunikasi communications with customers to prevent negative impacts
kepada para nasabah agar tidak menimbulkan dampak negatif on customers that could potentially lead to negative publicity.
bagi nasabah yang berpotensi menjadi pemberitaan negatif. Furthermore, the Bank is proactive in handling complaints
Selain itu, Bank bersikap proaktif terkait dengan penanganan received by identifying the root cause of problems and
komplain yang diterima dengan mengetahui root cause formulating appropriate solutions in response to customer
permasalahan dan merumuskan solusi yang tepat dalam complaints.
menindaklanjuti keluhan nasabah.
Risiko Hukum Legal Risk
Risiko hukum adalah risiko yang disebabkan oleh adanya Legal risk is the risk caused by legal weaknesses, including
kelemahan aspek yuridis, yang antara lain berupa tuntutan lawsuits, the absence of supporting laws and regulations, or
hukum, ketiadaan peraturan perundang-undangan yang weak obligations such as non-fulfillment of valid contractual
mendukung atau kelemahan perikatan seperti tidak requirements and incomplete collateral binding. Legal risk
terpenuhinya syarat sah kontrak dan pengikatan agunan yang factors are also aligned with the Bank's business development
tidak sempurna. Faktor risiko hukum juga sejalan dengan plan. The Bank will identify, measure, and control legal risks
rencana pengembangan bisnis Bank. Bank akan melakukan arising from its operations within the digital business model, as
identifikasi, mengukur dan mengendalikan risiko hukum yang well as legal risks inherent in planned collaborations/synergies
timbul dari operasional bank dalam model bisnis digital serta with other companies, both within the CT Corpora ecosystem
risiko hukum yang melekat dengan rencana kerjasama/sinergi and with third-party companies.
dengan perusahaan lain, baik dalam ekosistem CT Corpora
maupun kerja sama dengan perusahaan pihak ketiga lainnya.
Bank mengelola risiko hukum dengan memastikan seluruh The Bank manages legal risk by ensuring that all of its business
aktivitas dan hubungan kegiatan usaha Bank dengan pihak activities and relationships with third parties are based on
ketiga didasarkan pada aturan dan persyaratan yang dapat rules and requirements that protect the Bank's interests legally
melindungi kepentingan Bank dari segi hukum melalui: through:
1. Peninjauan secara berkala dengan memastikan seluruh 1. Periodic reviews to ensure that all Bank business activities
aktivitas dan hubungan kegiatan usaha Bank dengan pihak and relationships with third parties are based on rules and
ketiga didasarkan pada aturan dan persyaratan yang dapat requirements that can protect the Bank’s interests from a
melindungi kepentingan Bank dari segi hukum; dan legal perspective; and
2. Pengembangan budaya kepatuhan dan kepedulian 2. Developing a culture of compliance and awareness of legal
terhadap risiko hukum kepada seluruh pegawai pada setiap risks for all employees at every level of the organization on
jenjang organisasi secara berkelanjutan. an ongoing basis.
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Risiko Kepatuhan Compliance Risk
Risiko kepatuhan merupakan risiko yang disebabkan akibat Compliance risk is the risk caused by a Bank's failure to comply
Bank tidak mematuhi ketentuan perundang-undangan with applicable laws and regulations. Banks' business activities
yang berlaku. Kegiatan usaha bank yang terus mengalami are constantly changing, in line with developments in information
perubahan tersebut sejalan dengan perkembangan teknologi technology, globalization, and financial market integration,
informasi, globalisasi dan integrasi pasar keuangan, sehingga resulting in increasing complexity. The increasing complexity of
kompleksitas kegiatannya semakin tinggi. Kompleksitas kegiatan bank business activities requires an enhanced role and function
usaha bank yang semakin meningkat memerlukan adanya of the Compliance Unit in managing Compliance Risk, ensuring
peningkatan peran dan fungsi Satuan Kerja Kepatuhan dalam that the Bank consistently complies with all applicable laws and
pengelolaan Risiko Kepatuhan, agar Bank senantiasa mematuhi regulations and commitments made to regulators.
seluruh ketentuan dan perundang-undangan yang berlaku
serta komitmen yang dibuat oleh Bank kepada regulator.
Bank mengelola risiko kepatuhan dengan melakukan The Bank manages compliance risk by conducting
penelaahan secara komprehensif untuk memastikan kesesuaian comprehensive reviews to ensure the alignment of standard
kebijakan standar operasi dan prosedur serta pengembangan operating policies and procedures, as well as new product
produk baru dengan peraturan eksternal. Satuan kerja development, with external regulations. The Compliance Unit
Kepatuhan telah melaksanakan pengkajian dalam rangka has conducted reviews to prevent deviations from applicable
mencegah penyimpangan terhadap peraturan perundangan- laws and regulations, including:
undangan dan ketentuan lain yang berlaku, meliputi:
1. Mewujudkan terlaksananya budaya kepatuhan pada semua 1. Realize the implementation of a culture of compliance at
tingkatan organisasi dan kegiatan usaha Bank; all levels of the Bank’s organization and business activities;
2. Mengelola risiko kepatuhan yang dihadapi oleh Bank, 2. Manage compliance risks faced by the Bank, by referring to
dengan mengacu pada berbagai ketentuan terkait tata various provisions related to conventional bank governance;
kelola bank umum; dan and
3. Memastikan kepatuhan Bank terhadap komitmen yang 3. Ensure the Bank’s compliance with commitments made by
dibuat oleh Bank kepada Otoritas Jasa Keuangan dan atau the Bank to the Financial Services Authority and/or other
otoritas pengawas lain yang berwenang. competent supervisory authorities.
Tinjauan terhadap Efektivitas Sistem Manajemen Risiko
Review of Effectiveness of Risk Management System
Bank secara berkala melakukan peninjauan atas efektivitas The Bank periodically reviews the effectiveness of its risk
manajemen risiko dengan mengkaji atas RAS dan Profil Risiko management by reviewing the established RAS and Risk Profile
yang ditetapkan agar tetap selaras dengan dinamika bisnis to ensure they remain aligned with current business dynamics
terkini maupun regulasi terbaru. Di tahun 2025, Bank telah and regulations. In 2025, the Bank reviewed the RAS and Risk
melakukan tinjauan terhadap RAS dan metodologi penilaian Profile assessment methodology, ensuring that all Risk Profiles
Profil Risiko, di mana seluruh Profil Risiko yang ditetapkan established within the risk management framework were
dalam kerangka manajemen risiko dinilai telah relevan dengan deemed relevant to current conditions and operating effectively.
kondisi terkini dan berjalan secara efektif.
Profil Risiko dan Tingkat Kesehatan Bank
Risk Profile and Bank Soundness Level
Bank setiap tahunnya melakukan penilaian atas profil risiko The Bank annually assesses their established risk profiles to
yang ditetapkan guna mengukur tingkat kesehatan perusahaan measure the company's health, as stipulated in OJK Regulation
sebagaimana telah diatur dalam Peraturan OJK No. 18/ No. 18/POJK.03/2016 concerning the Implementation of
POJK.03/2016 tentang Penerapan Manajemen Risiko bagi Bank Risk Management for Commercial Banks. This assessment
Umum. Penilaian ini dilakukan dengan metode self-assessment is conducted using a self-assessment method through an
melalui penilaian Profil Risiko Bank yang selanjutnya dilaporkan assessment of the Bank's Risk Profile, which is then reported to
kepada regulator secara triwulanan. the regulator quarterly.
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Proses penilaian Profil Risiko Bank meliputi 8 (delapan) risiko The Bank's Risk Profile assessment process covers eight
utama yaitu risiko kredit, risiko pasar, risiko likuiditas, risiko key risks: credit risk, market risk, liquidity risk, strategic risk,
stratejik, risiko operasional, risiko hukum, risiko kepatuhan, dan operational risk, legal risk, compliance risk, and reputation
risiko reputasi. Penilaian Profil Risiko tersebut dilakukan dengan risk. The Risk Profile assessment is conducted using risk
parameter pengukuran risiko tidak hanya menggunakan measurement parameters that utilize not only historical data
data historis, tetapi juga dengan forward looking dengan but also forward-looking data, taking into account business
mempertimbangkan strategi bisnis dan kondisi makroekonomi. strategy and macroeconomic conditions. Through the Risk
Melalui Profil Risiko, Bank dapat mengelola risiko melalui Profile, Banks can manage risks through appropriate actions,
tindakan yang tepat, dan dilakukan secara menyeluruh dan conducted in a comprehensive and comprehensive manner
komprehensif berdasarkan dengan lini bisnis Bank. based on the Bank's business lines.
Berdasarkan self-assessment Profil Risiko Bank yang dilakukan Based on the Bank's Risk Profile self-assessment conducted
pada semester 1 dan 2 tahun 2025 dengan metode yang diatur in the first and second semesters of 2025 using the method
dalam Surat Edaran OJK No. 14/SEOJK.03/2017, masing- stipulated in OJK Circular Letter No. 14/SEOJK.03/2017, each
masing mencatatkan peringkat komposit risiko 2 dengan recorded a composite risk rating of 2 with a "GOOD" rating.
predikat “BAIK”. Adapun hasil self-assessment yang dilakukan The results of the Bank's self-assessment throughout 2025 are
Bank sepanjang tahun 2025 dapat dilihat sebagai berikut: as follows:
Periode Penilaian Hasil Self-Assessment Definisi Peringkat
Assessment Period Self-assessment Result Rating Definition
Semester 1 - 2025 Individual 2 Mencerminkan Manajemen Bank telah melakukan penerapan tata kelola yang secara
umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip tata
kelola. Dalam hal terdapat kelemahan penerapan prinsip tata kelola, secara umum
kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh
manajemen Bank.
The rating indicates that the Bank's Management has implemented what is categorized
asgenerally good levels of Governance. This can be seen reflected in the Bank's adequate
fulfillment of Governance principles. In the event that there are weaknesses in the Bank's
implementation of Governance principles, these weaknesses are generally viewed as less
significant and can be resolved with normal actions by the Bank's management.
Semester 2 - 2025 Individual 2 Mencerminkan Manajemen Bank telah melakukan penerapan tata kelola yang secara
umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip tata
kelola. Dalam hal terdapat kelemahan penerapan prinsip tata kelola, secara umum
kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh
manajemen Bank.
The rating indicates that the Bank's Management has implemented what is categorized
asgenerally good levels of Governance. This can be seen reflected in the Bank's adequate
fulfillment of Governance principles. In the event that there are weaknesses in the Bank's
implementation of Governance principles, these weaknesses are generally viewed as less
significant and can be resolved with normal actions by the Bank's management.
Pernyataan Manajemen atas Kecukupan Sistem Manajemen Risiko
Management Statement on Adequacy of Risk Management System
Bank senantiasa melakukan kaji ulang atas kinerja sistem The Bank continuously reviews the performance of its risk
manajemen risiko untuk memastikan proses berjalan sesuai management system to ensure processes are running
yang telah ditetapkan. Berdasarkan hasil pemantauan according to established procedures. Based on the monitoring
RAS dan Profil Risiko sepanjang tahun 2025, Direksi dan results of the RAS and Risk Profile throughout 2025, the
Dewan Komisaris menilai secara keseluruhan indikator risiko Board of Directors and Board of Commissioners assessed that
menunjukkan penerapan manajemen risiko telah memadai overall risk indicators demonstrated adequate and effective
dan dijalankan dengan efektif. Selain itu, Direksi dan Dewan risk management implementation. Furthermore, the Board
Komisaris juga menilai Direktorat Manajemen Risiko beserta of Directors and Board of Commissioners assessed that the
para pelaksana pertahanan tiga lapis (three line of defense) Risk Management Directorate and its three-line of defense
telah menjalankan kinerja dengan baik dalam memastikan implementers performed well in ensuring adequate risk
kecukupan pengelolaan risiko dan pengendalian internal. management and internal control.
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Pengungkapan Rencana Aksi Pemulihan
Disclosure of Recovery Plan
1. Tujuan Rencana Aksi 1. Purpose of the Action Plan
Bank telah menyusun dan menyampaikan kepada OJK The Bank has prepared and submitted a Recovery Action
Rencana Aksi Pemulihan (Recovery Plan) yang bertujuan Plan to OJK, aiming to achieve and maintain financial system
untuk mencapai dan mempertahankan stabilitas bank stability in alignment with the mission of the Government of
dalam sistem keuangan sejalan dengan misi Pemerintah the Republic of Indonesia to prevent and manage financial
Republik Indonesia dalam pencegahan dan penanganan system crises in order to support the national economy.
krisis sistem keuangan dan dalam rangka mendukung
perekonomian nasional.
Rencana Aksi Pemulihan merupakan komitmen Bank The Recovery Action Plan reflects the Bank's commitment
dalam: to:
a. Mewujudkan stabilitas sistem keuangan yang kokoh a. Ensuring a stable and resilient financial system capable
dalam menghadapi ancaman krisis keuangan yang of withstanding potential financial crises caused by
disebabkan oleh tekanan terhadap berbagai kondisi pressure on various financial conditions; and
keuangan; dan
b. Mencegah dan menangani permasalahan yang dimiliki b. Preventing and addressing existing problems by
di mana Bank telah menetapkan langkah-langkah yang outlining pre-emptive measures and response
akan dilakukan pada saat terjadinya tekanan kondisi strategies to mitigate financial stress that could threaten
keuangan (financial stress) yang dapat membahayakan the Bank’s business continuity.
kelangsungan usaha Bank.
Rencana Aksi Pemulihan yang disusun telah disesuaikan The Recovery Action Plan has been tailored to the Bank’s specific
dengan kondisi Bank dan mengacu pada Peraturan Otoritas conditions and is aligned with Financial Services Authority
Jasa Keuangan No. 5 Tahun 2024 tentang Penetapan Regulation No. 5 of 2024 concerning the Determination of
Status Pengawasan dan Penanganan Permasalahan Bank Supervision Status and Handling of General Bank Issues,
Umum dimana pada Pasal 14 tercantum bahwa Bank wajib where Article 14 of this regulation requires the Bank to develop
menyusun dan menyampaikan Rencana Aksi Pemulihan and submit a Recovery Action Plan to the Financial Services
kepada Otoritas Jasa Keuangan, dengan menyertakan hal- Authority, covering the following aspects:
hal sebagai berikut:
a. Ringkasan Eksekutif; a. Executive Summary;
b. Gambaran Bank secara umum termasuk Kondisi Bank; b. General Overview of the Bank, including its financial
lini bisnis, jaringan kantor dan perusahaan anak yang condition, business lines, office network, material
material; struktur kelompok usaha Bank; keterikatan subsidiaries, business group structure, and business
usaha Bank; analisis skenario dampak perubahan relationships, along with scenario analyses of potential
kondisi Bank; changes in the Bank's condition;
c. Opsi Pemulihan termasuk indikator rencana pemulihan, c. Recovery Options, detailing recovery plan indicators,
trigger level, dan opsi pemulihan terkait permodalan, trigger levels, and recovery strategies related to capital,
likuiditas, profitabilitas, dan kualitas aset; dan liquidity, profitability, and asset quality; and
d. Pengungkapan Rencana Pemulihan termasuk d. Disclosure of the Recovery Plan including submission to
penyampaian kepada pihak internal dan pihak external. internal and external parties.
2. Kerangka Rencana Aksi 2. Action Plan Framework
a. Gambaran Bank Secara Umum a. General Overview of the Bank
Gambaran Bank secara umum dilakukan melalui A general overview of the Bank is provided by assessing
identifikasi perkembangan Bank sampai saat ini dan its development to date, including its business lines,
lini-lini bisnis yang dimiliki oleh Bank dan dianggap which are categorized as core and non-core, as well as
core dan non-core maupun kritikal dan non-kritikal. Di critical and non-critical. Additionally, the Bank outlines
samping itu, Bank juga menjelaskan aspek bisnis dan its business and performance aspects, and future
kinerja serta rencana pengembangan bisnis yang telah business development plans.
diformulasikan.
Dalam hal strategi pengelolaan risiko, Bank melihat From a risk management perspective, the Bank
bahwa tujuan dari Rencana Pemulihan adalah untuk recognizes that the purpose of the Recovery Plan is
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memberikan Bank sebuah kerangka kerja untuk secara to establish a framework that enables the Bank to
efektif dan efisien menangani dampak keuangan dari effectively and efficiently manage the financial impact
peristiwa stres yang parah dan menghindari kegagalan of severe stress events, thereby preventing failure or
atau penyelesaian. Komponen-komponen dalam forced resolution. The components of the Recovery
Rencana Pemulihan berasal dari dan sejalan dengan Plan are derived from and aligned with other risk
proses manajemen risiko lainnya, seperti yang mengatur management processes, including capital and liquidity
permodalan, likuiditas, uji stres, kelangsungan usaha, management, stress testing, business continuity
atau perencanaan penyelesaian. planning, and resolution planning.
b. Opsi Pemulihan b. Recovery options
Rencana Pemulihan pada dasarnya merupakan strategi The Recovery Plan serves as a strategic approach
yang diterapkan oleh Bank untuk mempersiapkan implemented by the Bank to prepare for unexpected
pengeluaran keuangan tak terduga atau darurat. financial distress or emergency situations. Its primary
Tujuan utama dari Rencana Pemulihan adalah untuk objective is to ensure that the Bank has access to
memastikan bahwa Bank memiliki akses terhadap dana sufficient liquid assets or funding sources to address
likuid atau sumber dana yang cukup untuk menangani unforeseen financial events that could impact its
peristiwa keuangan yang tidak terduga yang dapat operations or overall financial stability.
mempengaruhi operasi atau stabilitas keuangan Bank.
Beberapa komponen utama yang termasuk dalam Some of the key components of the Recovery Plan
Rencana Pemulihan adalah: include:
• Identifikasi potensi risiko; • Identification of potential risks;
• Mengidentifikasi potensi risiko atau peristiwa yang • Identification of potential risks or events that may
dapat menyebabkan kondisi krisis keuangan; cause a financial crisis;
• Penilaian dampak risiko; • Risk impact assessment;
• Mengevaluasi potensi dampak risiko keuangan dari • Evaluation of the potential financial risk impact of a
peristiwa/risiko krisis yang terjadi; crisis event or risk;
• Penetapan ambang batas atau pemicu (threshold/ • Determination of thresholds or triggers;
triggers);
• Menetapkan ambang batas atau pemicu (threshold/ • Determination of thresholds or triggers that indicate
triggers) yang mengindikasikan kapan Rencana when the Recovery Plan should be activated;
Pemulihan harus diaktifkan;
• Strategi pendanaan tambahan; • Additional funding strategies;
• Mengembangkan strategi untuk memperoleh • Development of strategies to obtain additional
pendanaan atau likuiditas tambahan selama krisis; funding or liquidity during a crisis;
• Prosedur komunikasi dan pelaporan; • Communication and reporting procedures;
• Menyusun prosedur komunikasi dan pelaporan • Establishment of clear communication and
yang jelas untuk memastikan bahwa semua reporting procedures to ensure that all stakeholders
pemangku kepentingan mendapatkan informasi receive the necessary information and are prepared
yang diperlukan dan siap menghadapi kondisi krisis to respond to any financial crisis conditions, as
keuangan yang terjadi, sebagaimana diatur dalam regulated in other applicable internal provisions
ketentuan internal lainnya yang berlaku mengenai regarding the Crisis Management Plan.
Crisis Management Plan.
c. Pengungkapan Rencana Pemulihan c. Disclosure of the Recovery Plan
Bank akan melakukan pengungkapan Rencana Aksi The Bank is committed to transparency by disclosing
Pemulihan baik untuk stakeholders internal maupun the Recovery Action Plan to both internal and external
stakeholders eksternal atau publik secara umum, stakeholders, as well as the public. This initiative reflects
sebagai bagian dari komitmen terhadap keterbukaan the Bank’s dedication to maintaining a stable financial
informasi sebagai bentuk komitmen Bank dalam rangka system and addressing potential financial crises caused
membantu mewujudkan stabilitas sistem keuangan by various financial conditions.
yang kokoh dalam menghadapi ancaman krisis
keuangan yang disebabkan oleh tekanan terhadap
berbagai kondisi keuangan.
Bank juga mengembangkan rencana komunikasi krisis Additionally, the Bank has developed a crisis
sebagai panduan standar untuk mengatasi permasalahan communication plan as a standardized guideline
keuangan dalam konteks komunikasi korporat yang for managing financial issues within its corporate
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menetapkan tata kelola, struktur dan sumber daya communications framework. This plan establishes
komunikasi secara terpadu guna memberikan respons structured governance, communication protocols,
cepat yang akurat kepada masing-masing pemangku and resource allocation to ensure timely and accurate
kepentingan, menetapkan akuntabilitas untuk team responses to stakeholders. It also assigns clear
yang diberi tugas yang bertujuan untuk meminimalkan accountability to the designated crisis management
dampak permasalahan keuangan terhadap reputasi team, aiming to minimize the impact of financial
Bank dan mengungkapkan Rencana Aksi Pemulihan challenges on the Bank’s reputation. The disclosure of
dengan pendekatan terstruktur. the Recovery Action Plan follows a structured approach
to enhance stakeholder confidence and regulatory
compliance.
3. Tata Kelola Rencana Aksi Pemulihan 3. Recovery Action Plan Governance
Rencana Aksi Pemulihan yang efektif membantu An effective Recovery Action Plan enables management
manajemen mengidentifikasi kapan Bank menghadapi to identify situations where the Bank is experiencing or
atau mungkin menghadapi peristiwa stres yang parah may experience a severe stress event that could threaten
yang mengancam atau mungkin mengancam kekuatan its financial strength and viability. In such cases, the
keuangan dan kelayakannya. Dalam hal ini, manajemen Bank’s management will take appropriate measures to
Bank akan mengambil tindakan yang tepat untuk restore financial stability. The Recovery Plan is essential
memulihkan kekuatan keuangan dan kelayakan bank. to the Bank’s resilience, as it is integrated into the Bank’s
Rencana Pemulihan sangat penting bagi ketahanan Bank, risk governance framework and plays a key role in crisis
dan terintegrasi ke dalam kerangka kerja tata kelola risiko management. It also outlines the Bank’s transition from
Bank, serta memainkan peran penting dalam manajemen normal business operations to early warning of financial
krisis. Rencana Pemulihan juga mengakui transisi Bank distress and, if necessary, to a severe stress scenario.
dari operasi bisnis biasa ke peringatan dini tentang stres Additionally, it is linked to the resolution plan should the
parah hingga stres parah itu sendiri, dan terhubung dengan financial deterioration remain unaddressed.
rencana penyelesaian jika penurunan keuangan tidak
diperbaiki.
Proses perencanaan pemulihan harus bersifat The recovery planning process is continuous,
berkelanjutan. Proses ini melengkapi fungsi tata kelola complementing the Bank’s risk governance function and
risiko dan mendukung operasinya yang aman dan sehat. supporting its safe and sound operations. In developing
Dalam proses pengembangan dan pemeliharaan Rencana and maintaining the Recovery Plan, management and the
Pemulihan, manajemen dan Direksi terus berkomitmen Board of Directors remain committed to enhancing risk
untuk meningkatkan tata kelola risiko dengan tujuan untuk governance to minimize the financial impact of unforeseen
mengurangi dampak keuangan dari peristiwa tak terduga future events.
di masa depan.
Di bawah arahan regulator khususnya OJK, Bank Under regulatory guidance, particularly from OJK, the Bank
terus mengembangkan pemicu atau metrik sepanjang continues to refine its triggers and metrics across various
kontinuum business as usual, peringatan dini, pemulihan, stages—ranging from business as usual, early warning,
dan penyelesaian agar dapat merespons dengan cepat dan recovery, and resolution—ensuring a swift response to
pulih dari dampak keuangan peristiwa stres yang parah. financial stress events and facilitating effective recovery.
Bank juga akan mengkoordinasikan Rencana Pemulihan Furthermore, the Bank coordinates its Recovery Plan with
dengan upaya perencanaan pemulihan dan penyelesaian the recovery and resolution planning efforts of its parent
oleh perusahaan induknya, sehingga rencana tersebut company to ensure consistency and alignment, preventing
konsisten dan tidak saling bertentangan. any potential conflicts between the plans.
4. Penyampaian Rencana Aksi 4. Submission of the Action Plan
Di tahun 2025, Bank telah menyampaikan Rencana The Bank submitted its Action Plan to the Financial Services
Aksi kepada Otoritas Jasa Keuangan secara berkala. Authority for the first time in 2024, in accordance with
Penyampaian Rencana Aksi ini dilakukan sesuai dengan Financial Services Authority Regulation No. 5 of 2024 on
ketentuan Pasal 14 Peraturan OJK No. 5 Tahun 2024 the Determination of Supervision Status and Handling of
tentang Penetapan Status Pengawasan dan Penanganan Commercial Bank Issues, where Article 14 of this regulation
Permasalahan Bank Umum yang mewajibkan Bank untuk mandates that banks must prepare and submit a Recovery
menyusun dan menyampaikan Rencana Aksi Pemulihan Action Plan to the Financial Services Authority.
kepada Otoritas Jasa Keuangan.
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Sistem Pengendalian Internal dan
Pengendalian Internal atas Pelaporan
Keuangan
● Internal Control System and Internal Controls over Financial
Reporting
Sistem Pengendalian Gambaran Umum General Overview
Internal
Sistem Pengendalian Internal (SPI) PT Allo The Internal Control System (ICS) of PT
Internal Control System
Bank Indonesia Tbk (“Bank”) merupakan Allo Bank Indonesia Tbk (“the Bank”) is an
bagian yang tidak terpisahkan dari integral part of the Bank’s governance,
kerangka tata kelola, manajemen risiko, risk management, and compliance
dan kepatuhan Bank, yang dirancang framework, designed to ensure that
untuk memastikan terselenggaranya banking operations are conducted in
kegiatan usaha perbankan yang sehat, a sound, secure, and prudent manner
aman, dan sesuai prinsip kehati-hatian within a digital operational environment.
dalam lingkungan operasional digital.
SPI diterapkan untuk memberikan The ICS is implemented to provide
keyakinan yang memadai atas: reasonable assurance regarding:
• perlindungan aset Bank, baik digital • protection of the Bank’s both digital
maupun fisik; and physical assets;
• keandalan dan integritas pelaporan • the reliability and integrity of financial
keuangan dan manajerial; and managerial reporting;
• kepatuhan terhadap peraturan • compliance with laws and regulations
perundang-undangan dan prinsip and the principle of prudence; and
kehati-hatian; serta
• efektivitas dan efisiensi kegiatan • the effectiveness and efficiency of
operasional. operational activities.
Pelaksanaan pengendalian internal Internal controls and risk management
dan manajemen risiko dilakukan secara are implemented comprehensively
menyeluruh pada seluruh tingkatan across all organizational levels and
organisasi dan fungsi. Sejalan dengan functions. In line with the agile
model operasional agile yang diterapkan, operational model adopted, risk
kesadaran risiko terus ditanamkan awareness is continuously embedded
pada seluruh Squads dan Tribes agar in all Squads and Tribes, ensuring that
aspek pengendalian menjadi bagian control aspects become an integral
dari proses pengambilan keputusan part of the operational decision-making
operasional. process.
Guna memastikan efektivitas SPI To maintain the effectiveness of the
senantiasa terjaga, Bank secara berkala SPI, the Bank periodically evaluates the
melakukan evaluasi atas kecukupan: adequacy of:
• pemisahan fungsi (segregation of • segregation of duties;
duties);
• mekanisme dual control dan dual • dual control and dual custody
custody; serta mechanisms; and
• kebijakan dan prosedur terkait • policies and procedures related to
pengendalian internal, internal controls,
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Dasar Hukum Legal Basis
Penerapan Sistem Pengendalian Internal dilakukan dengan The implementation of the Internal Control System is carried
mengacu pada: out in accordance with:
• Peraturan Otoritas Jasa Keuangan (POJK) No. 15 Tahun • Financial Services Authority (OJK) Regulation No. 15 of
2024 tentang Integritas Pelaporan Keuangan Bank; dan 2024 on the Integrity of Bank Financial Reporting; and
• Surat Edaran OJK No. 35/SEOJK.03/2017 tentang Standar • OJK Circular Letter No. 35/SEOJK.03/2017 on the Internal
Sistem Pengendalian Internal bagi Bank Umum. Control System Standards for Commercial Banks.
Bank memastikan bahwa kerangka pengendalian internal The Bank ensures that the applied internal control framework
yang diterapkan telah selaras dengan ketentuan tersebut guna is aligned with these provisions to support good governance
mendukung praktik tata kelola yang baik serta memitigasi risiko practices and mitigate financial and operational risks.
keuangan dan operasional.
Penerapan Kerangka COSO Implementation of the COSO Framework
Bank mengadopsi COSO Internal Control – Integrated The Bank adopts the COSO Internal Control – Integrated
Framework sebagai acuan utama dalam perancangan, Framework as the primary reference in the design,
implementasi, dan evaluasi sistem pengendalian internal. implementation, and evaluation of the internal control system.
Lima komponen COSO diimplementasikan secara terintegrasi The five components of COSO are implemented in an integrated
dalam proses dan sistem Bank, yaitu: manner within the Bank’s processes and systems, namely:
1. Lingkungan Pengendalian (Control Environment) 1. Control Environment
2. Penilaian Risiko (Risk Assessment) 2. Risk Assessment
3. Aktivitas Pengendalian (Control Activities) 3. Control Activities
4. Informasi dan Komunikasi (Information and Communication) 4. Information and Communication
5. Pemantauan (Monitoring Activities) 5. Monitoring Activities
Penerapan kerangka ini memastikan kecukupan pengendalian This framework ensures adequate controls over financial
atas pelaporan keuangan, efektivitas operasional, serta reporting, operational effectiveness, and compliance with
kepatuhan terhadap ketentuan yang berlaku. applicable regulations.
Model Tiga Lini (Three Lines Model) Three Lines Model
Dalam rangka memastikan kejelasan peran, akuntabilitas, dan To ensure clarity of roles, accountability, and independence of
independensi fungsi pengendalian, Bank menerapkan Model control functions, the Bank employs a Three Lines Model based
Tiga Lini (Three Lines Model) yang mengacu pada praktik on international best practices introduced by The Institute of
terbaik internasional yang diperkenalkan oleh The Institute of Internal Auditors (IIA).
Internal Auditors (IIA).
Model ini menegaskan pemisahan peran antara fungsi This model emphasizes the separation of roles among risk
pengelolaan risiko, pengawasan risiko, dan assurance management, risk oversight, and independent assurance
independen, sebagai berikut: functions, as follows:
• Lini Pertama (First Line – Risk Ownership): • First Line (Risk Ownership):
Unit bisnis, teknologi, dan operasional bertanggung jawab Business, technology, and operational units are directly
secara langsung atas pengelolaan risiko dan pelaksanaan responsible for risk management and the implementation of
pengendalian dalam aktivitas sehari-hari. Lini pertama controls in daily activities. The first line ensures that risks are
memastikan bahwa risiko diidentifikasi, diukur, dimitigasi, effectively identified, measured, mitigated, and monitored
dan dimonitor secara efektif dalam proses operasional. within operational processes.
• Lini Kedua (Second Line – Risk Oversight): • Second Line (Risk Oversight):
Fungsi Enterprise, Operational & Market Risk (EOMR) The Enterprise, Operational & Market Risk function plays a
berperan dalam menyediakan kerangka kerja manajemen role in providing a risk management framework, policies,
risiko, kebijakan, metodologi, serta melakukan pemantauan and methodologies, as well as monitoring and overseeing
dan pengawasan atas implementasi pengendalian oleh the implementation of controls by the first line. This
lini pertama. Fungsi ini juga memberikan challenge secara function also provides independent challenge to ensure the
independen untuk memastikan efektivitas pengelolaan effectiveness of risk management.
risiko.
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• Lini Ketiga (Third Line – Independent Assurance): • Third Line (Independent Assurance):
Satuan Kerja Audit Internal (SKAI) memberikan assurance The Internal Audit Unit (SKAI) provides independent and
yang independen dan objektif kepada Direksi dan Dewan objective assurance to the Board of Directors and the
Komisaris terkait kecukupan dan efektivitas tata kelola, Board of Commissioners regarding the adequacy and
manajemen risiko, dan pengendalian internal yang effectiveness of governance, risk management, and internal
dijalankan oleh lini pertama dan lini kedua. controls implemented by the first and second lines.
Penerapan Model Tiga Lini ini memastikan adanya koordinasi The implementation of this Three-Line Model ensures
yang efektif, kejelasan tanggung jawab, serta peningkatan effective coordination, clarity of responsibilities, and
kualitas assurance melalui pendekatan combined assurance di improved assurance quality through a combined assurance
seluruh organisasi. approach across the entire organization.
Pengendalian Internal atas Pelaporan Keuangan (ICoFR)
Internal Control over Financial Reporting (ICoFR)
Tujuan dan Pendekatan Implementasi Objectives and Implementation Approach
Bank telah memulai implementasi Pengendalian Internal atas The Bank has commenced the implementation of Internal
Pelaporan Keuangan (Internal Control over Financial Reporting/ Control over Financial Reporting (ICoFR) as part of its
ICoFR) sebagai bagian dari komitmen untuk meningkatkan commitment to enhancing the integrity, reliability, and
integritas, keandalan, dan transparansi pelaporan keuangan. transparency of financial reporting.
Implementasi ICoFR bertujuan untuk: The implementation of ICoFR aims to:
• memastikan akurasi, kelengkapan, dan ketepatan waktu • ensure the accuracy, completeness, and timeliness of
informasi keuangan; financial information;
• meningkatkan integritas laporan keuangan; • enhance the integrity of financial statements;
• memperkuat pengendalian atas proses pelaporan • strengthen controls over the financial reporting process;
keuangan;
• mendukung kepatuhan terhadap ketentuan yang berlaku, • support compliance with applicable regulations, specifically,
khususnya POJK No. 15 Tahun 2024; serta with regards to POJK No. 15 of 2024; and
• Implementasi dilakukan secara bertahap melalui roadmap • The implementation is carried out in phases through a
yang terstruktur dan disesuaikan dengan profil risiko serta structured roadmap tailored to the Bank’s risk profile and
tingkat materialitas Bank. materiality levels.
Ruang Lingkup dan Materialitas (Tahap 1 – 2025) Scope and Materiality (Phase 1 – 2025)
Pada tahun 2025, Bank menetapkan Tahap 1 implementasi In 2025, the Bank established Phase 1 of ICoFR implementation
ICoFR dengan ruang lingkup: with the following scope:
• Kredit Wholesale; dan • Wholesale Loans; and
• Expected Credit Loss (ECL/CKPN). • Expected Credit Loss (ECL/CKPN).
Penentuan ruang lingkup dilakukan berdasarkan tingkat The scope was determined based on materiality and significance
materialitas dan signifikansi terhadap laporan keuangan Bank. to the Bank’s financial statements.
Kredit Wholesale diprioritaskan karena mencakup sekitar 76% Wholesale Loans are prioritized because they account for
dari total kredit, sehingga memiliki dampak signifikan terhadap approximately 76% of total loans, thereby having a significant
posisi keuangan Bank. impact on the Bank’s financial position.
Ruang lingkup implementasi akan ditinjau dan diperluas secara The scope of implementation will be reviewed and expanded
bertahap hingga mencakup seluruh akun dan pengungkapan gradually to cover all material accounts and disclosures.
yang material.
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Struktur Tata Kelola ICoFR ICoFR Governance Structure
Untuk mendukung implementasi ICoFR, Bank telah membentuk To support the implementation of ICoFR, the Bank has
Unit Kerja Khusus (UKK) pada lini kedua di bawah fungsi EOMR. established a Special Task Force (STF) within the second line of
defense under the EOMR function.
UKK bertanggung jawab untuk: The STF is responsible for:
• Mengkordinasikan implementasi ICOFR secara menyeluruh • coordinating the overall implementation of ICOFR at the
pada Bank; Bank;
• Memastikan sinergi antar lini pertahanan; serta • ensuring synergy among the lines of defense; and
• Mendorong penerapan pendekatan combined assurance. • promoting the application of a combined assurance
approach.
Satuan Kerja Audit Internal (SKAI) sebagai lini ketiga memberikan The Internal Audit Unit (SKAI), as the third line of defense,
assurance independen melalui: provides independent assurance through:
• Test of Design (TOD); dan • Test of Design (TOD); and
• Test of Effectiveness (TOE). • Test of Effectiveness (TOE).
Kerangka Pengendalian Control Framework
Implementasi ICoFR dilakukan pada tiga tingkat pengendalian: The implementation of ICoFR is carried out at three levels of
control:
1. Entity Level Control (ELC) 1. Entity Level Control (ELC)
ELC mencakup pengendalian pada tingkat entitas, termasuk ELC covers controls at the entity level, including governance
tata kelola dan lingkungan pengendalian. and the control environment.
Penilaian dilakukan melalui self-assessment berbasis prinsip Assessment is conducted through a COSO-principle-based
COSO yang divalidasi oleh UKK. self-assessment validated by the UKK.
2. Information Technology General Control (ITGC) 2. Information Technology General Control (ITGC)
ITGC memastikan keandalan, keamanan, dan integritas ITGC ensures the reliability, security, and integrity of
sistem teknologi informasi yang mendukung pelaporan information technology systems supporting financial
keuangan. reporting.
Ruang lingkup mencakup: The scope includes:
• sistem inti (Temenos T24); dan • core systems (Temenos T24); and
• sistem pendukung seperti JIRA. • supporting systems such as JIRA.
Pengendalian dirancang dan dievaluasi mengacu pada Controls are designed and evaluated in accordance with
COBIT 2019, meliputi: COBIT 2019, covering:
• manajemen akses; • access management;
• manajemen perubahan; dan • change management; and
• operasional sistem. • system operations.
3. Transaction Level Control (TLC) 3. Transaction Level Control (TLC)
TLC berfokus pada pengendalian di tingkat proses, TLC focuses on controls at the process level, specifically on
khususnya pada siklus Kredit Wholesale secara end-to-end, the end-to-end Wholesale Loans cycle, from origination to
mulai dari origination hingga settlement. settlement.
Bank menyusun: The Bank develops:
• Business Process Mapping (BPM); dan • Business Process Mapping (BPM); and
• Risk Control Matrix (RCM) • Risk Control Matrix (RCM)
untuk mengidentifikasi dan memitigasi risiko pada setiap to identify and mitigate risks at each stage of the transaction.
tahapan transaksi.
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Evaluasi Efektivitas Effectiveness Evaluation
Berdasarkan hasil pengujian dan validasi pada Tahap 1 (2025), Based on the results of testing and validation in Phase 1 (2025),
implementasi pengendalian internal atas pelaporan keuangan the implementation of internal controls over financial reporting
dalam ruang lingkup yang telah ditetapkan dinilai: Efektif within the defined scope is assessed as: Effective
Bank telah mengidentifikasi area yang memerlukan peningkatan The Bank has identified areas requiring improvement and
dan menetapkan rencana perbaikan (remediation plan) untuk: established a remediation plan to:
• memperkuat desain dan pelaksanaan pengendalian; serta • strengthen the design and implementation of controls; and
• meningkatkan penggunaan pengendalian berbasis sistem • enhancing the use of system-based controls (automated
(automated controls). controls).
Pernyataan Manajemen Management Statement
Manajemen menyatakan bahwa implementasi Sistem Management has stated that the Bank's implementation of
pengendalian internal atas laporan keuangan telah dilaksanakan an Internal Control System for Financial Reporting has been
sesuai dengan Prinsip dan ketentuan yang berlaku yaitu POJK carried out in accordance with applicable Principles and
No. 15 tahun 2024 tentang Integritas Pelaporan keuangan provisions - specifically, POJK No. 15 of 2024 concerning the
Bank. Integrity of Financial Reporting for Banks.
Bank berkomitmen untuk terus memperkuat kerangka The Bank is committed to continuously strengthening its internal
pengendalian internal guna memastikan: control framework to ensure:
• keandalan dan integritas pelaporan keuangan; • the reliability and integrity of financial reporting;
• efektivitas dan efisiensi operasional; serta • operational effectiveness and efficiency; and
• sinergi yang optimal antar lini pertahanan. • optimal synergy among the lines of defense.
Pernyataan atas Komitmen Bank dalam Penerapan ICOFR
Statement on the Bank's Commitment to Implementing ICOFR
Dalam rangka memastikan penerapan GCG yang komprehensif To ensure comprehensive GCG implementation through
melalui SPI yang efektif, Bank senantiasa melakukan effective Internal Control Systems (SPI), the Bank consistently
pengendalian internal atas pelaporan keuangan atau Internal implements internal control over financial reporting, or Internal
Control Over Financial Reporting (ICOFR). Penerapan ICOFR Control Over Financial Reporting (ICOFR). The implementation
menjadi aspek penting yang bertujuan untuk memberikan of ICOFR is a crucial aspect aimed at providing reasonable
keyakinan memadai (reasonable assurance) bahwa laporan assurance that financial statements have been prepared reliably
keuangan telah disusun secara andal dan bebas dari salah saji and are free from material misstatement, thereby providing
material sehingga dapat memberikan keyakinan yang lebih greater confidence to users of the Bank's financial statements.
memadai kepada pengguna Laporan Keuangan Bank.
Pada pelaksanaannya, Bank berkomitmen untuk terus In its implementation, the Bank is committed to continuously
mengoptimalkan penguatan pengendalian internal, di optimizing the strengthening of internal controls, including
antaranya melalui ICOFR untuk peningkatan akuntabilitas through ICOFR, to enhance reporting accountability aligned
pelaporan yang disesuaikan dengan rencana strategis Bank. with the Bank's strategic plan. The Bank has optimized internal
Optimalisasi pengendalian internal melalui implementasi controls through the implementation of ICOFR, adhering to
ICOFR telah dilakukan oleh Bank dengan mengacu kepada regulatory requirements and GCG best practices, to provide
ketentuan regulator dan best practice GCG guna memberikan reasonable assurance to all stakeholders regarding the Bank's
keyakinan yang memadai (reasonable assurance) kepada reports.
seluruh pemangku kepentingan atas laporan Bank.
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Perkara
Penting Permasalahan hukum yang dihadapi
oleh Bank dalam 2 (dua) tahun terakhir,
baik perdata maupun pidana, dapat
The legal problems faced by the Bank
in the last 2 (two) years, both civil and
criminal, can be seen as follows:
● Litigation dilihat sebagai berikut:
2025 2024
Permasalahan Hukum
Legal Cases Perdata Pidana Perdata Pidana
Civil Criminal Civil Criminal
Selesai dan telah mempunyai kekuatan hukum tetap 1 - 1 -
Completed and has permanent legal force
Dalam proses penyelesaian 1 - 5 -
In the process of being resolved
Jumlah 2 - 6 -
Total
Perkara Penting yang Dihadapi Bank
Litigation Faced by the Bank
Nomor Register Status Pengaruh terhadap
Perkara/Putusan Pokok Perkara/Gugatan Penyelesaian Perusahaan
No.
Case/Decision Main Case/Claim Completion Influence on the
Register Number Status Company
1. Gugatan PMH No. Penggugat merupakan ex debitur PT Bank Harda Internasional Gagal mediasi Tidak ada, karena objek
644/Pdt.G/2025/ Tbk yang saat ini telah dialihkan ke PT Bank Mega Tbk dan memasuki benda dalam perkara
PN.Jkt.Ut. tanggal 29 berdasarkan Akta Pengalihan Hak Atas Aset Yang Diambil sidang pokok tersebut telah dialihkan ke
September 2025 Alih (AYDA) No. 20 tanggal 06 Juni 2022 dibuat dihadapan perkara pihak lain.
PMH Lawsuit No. Dharma Akhyuzi, SH Notaris di Jakarta, merupakan pengajuan
644/Pdt.G/2025/ gugatan baru sehubungan dengan gugatan terdahulu (No. 325/ Failed mediation There are none, because
PN.Jkt.Ut. September Pdt.G/3255/PN. Jkt.Ut tanggal 4 Juni 2025 telah dicabut. and entered the the objects in the case
29, 2025 main case trial have been transferred to
The plaintiff is a former debtor of PT Bank Harda Internasional another party.
Tbk which has now been transferred to PT Bank Mega Tbk
based on the Deed of Transfer of Rights to Assets Taken Over
(AYDA) No. 20 dated June 6, 2022 made before Dharma
Akhyuzi, SH Notary in Jakarta, which is a new lawsuit filed in
connection with the previous lawsuit (No. 325/Pdt.G/3255/PN.
Jkt.Ut dated June 4, 2025 has been withdrawn.
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Permasalahan Hukum Di tahun 2025, terdapat permasalahan Throughout 2025, there were legal
hukum yang dihadapi oleh Direksi yang issues faced by the incumbent Board of
yang Dihadapi Dewan
sedang menjabat. Commissioners or Directors.
Komisaris dan Direksi yang
Sedang Menjabat
Legal Issues Faced by Board
of Commissioners and Board
of Directors in Office
Sanksi Administratif Sepanjang 2025, Bank menerima sanksi Throughout 2025, the Bank received
administratif dari regulator. Informasi administrative sanctions from regulators.
Administrative Sanction
sanksi administratif yang diterima oleh Information on the administrative
Bank pada tahun 2025 dapat dilihat sanctions received by the Bank in 2025
sebagai berikut: can be seen below:
Sanksi Perihal Nominal
Sanction Matters Nominal
Otoritas Jasa Keuangan (OJK) Kewajiban Penyampaian Laporan Realisasi Literasi dan Inklusi Keuangan Semester I Tahun 2024. 100.000.000
Financial Services Authority (FSA) Obligation to Submit Financial Literacy and Inclusion Realization Report for Semester I of 2024.
Otoritas Jasa Keuangan (OJK) Kesalahan pencantuman informasi terkait pos pembayaran dividen pada Proyeksi Laporan Posisi 200.000
Financial Services Authority (FSA) Keuangan (Neraca) dan terkait hapus buku termasuk penagihan hapus buku pada Proyeksi
Komitmen dan Kontijensi.
Incorrect inclusion of information related to dividend payment items in the Financial Position
Report Projection (Balance Sheet) and related to write-offs including write-off collections in the
Commitments and Contingencies Projection.
Bank Indonesia (BI) Pelanggaran Ketentuan GWM Valas Non Averaging. 260
Violation of Non-Averaging Foreign Currency GWM Provisions.
Bank Indonesia (BI) Koreksi LBUT KI Risiko Mingguan. 200.000
Weekly Risk KI LBUT Correction.
Otoritas Jasa Keuangan (OJK) Keterlambatan penyampaian laporan pengunduran diri Direktur. 30.000.000
Financial Services Authority (FSA) Delay in submitting the Director's resignation report.
Otoritas Jasa Keuangan (OJK) Pelanggaran pemenuhan GWM Valas Averaging. 38.438.812
Financial Services Authority (FSA) Violation of the fulfillment of GWM Foreign Exchange Averaging.
Otoritas Jasa Keuangan (OJK) Keterlambatan Penyampaian Koreksi Laporan Debitur pada Sistem Layanan Informasi Keuangan. 50.000
Financial Services Authority (FSA) Delay in Submitting Corrections to Debtor Reports in the Financial Information Services System.
Otoritas Jasa Keuangan (OJK) Keterlambatan dalam penyampaian laporan evaluasi produk baru. 94.000.000
Financial Services Authority (FSA) Delay in submission of new product evaluation reports.
Otoritas Jasa Keuangan (OJK) Penetapan sanksi administratif berupa denda Hasil Pemeriksaan. 2.000.000
Financial Services Authority (FSA) Determination of administrative sanctions in the form of fines for the results of the inspection.
Bank Indonesia (BI) Pelanggaran Ketentuan GWM. 79.531.830
Violations against GMW Provisions.
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Akses Informasi dan
Data Perusahaan
● Access to Information and Company Data
Allo Bank berkomitmen menerapkan Allo Bank is committed to implementing
prinsip transparansi kepada pemegang the principle of transparency for
saham dan segenap pemangku shareholders and all stakeholders
kepentingan dengan menyediakan akses by providing adequate access and
dan sarana informasi yang memadai. information resources. Throughout
Selama tahun 2025, Bank senantiasa 2025, the Bank continued to provide
menyediakan informasi penting dan important information and company
data perusahaan, seperti Aksi Korporasi, data, such as Corporate Actions, Annual
Laporan Tahunan, Laporan Keuangan, Reports, Financial Statements, and
dan press release secara real time yang press releases, in real time, presented in
disajikan dalam Bahasa Indonesia dan Indonesian and English and accessible
Inggris dan dapat diakses oleh publik to the public through the company
baik melalui situs web perusahaan website at www.allobank.com.
dengan alamat www.allobank.com.
Transparansi Kondisi Dalam menerapkan prinsip-prinsip In implementing the best practices
terbaik (best practice) GCG, khususnya of GCG, particularly regarding
Keuangan dan Non
terkait transparansi, Bank senantiasa transparency, the Bank consistently
Keuangan
menyediakan keterbukaan informasi provides transparency of financial
Financial and Non-Financial keuangan dan non keuangan sebagai and non-financial information as a
Condition Transparency bentuk tanggung jawab Bank form of the Bank's responsibility to
terhadap pemangku kepentingan stakeholders and compliance with
dan pemenuhan atas ketentuan yang applicable regulations. Information on
berlaku. Informasi kondisi keuangan Allo Bank's financial and non-financial
dan non-keuangan Allo Bank telah conditions has been clearly outlined in
dituangkan secara jelas dalam beberapa several reports, including the Annual
laporan, di antaranya dalam Laporan Report, Quarterly Published Financial
Tahunan, Laporan Keuangan Publikasi Reports, Monthly Reports, and Other
Triwulan, Laporan Bulanan, dan Laporan Non-Financial Reports. Transparency of
non-keuangan Lainnya. Transparansi the Bank's Financial and Non-Financial
Laporan Keuangan dan Non-keuangan Reports can be seen on the Bank's
Bank dapat dilihat pada situs web resmi official website at www.allobank.com.
Bank di www.allobank.com.
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Kode Etik dan
Budaya Perusahaan
● Code of Conduct and Corporate Culture
Bank telah memiliki Kode Etik dan The Bank has a Code of Ethics and
Budaya Perusahaan sebagai prinsip Corporate Culture as the basic principles
dasar dan pedoman yang harus diikuti and guidelines that must be followed
dan diimplementasikan oleh Insan and implemented by Bank personnel
Bank dalam menjalankan kegiatan in conducting business activities and
usaha maupun operasi secara beretika operations ethically and with integrity.
dan berintegritas. Bank senantiasa The Bank continuously updates its
memperbaharui Kode Etik dan Budaya Code of Ethics and Corporate Culture
yang dimiliki agar tetap relevan dengan to maintain its relevance to regulatory
perkembangan regulasi, norma, dan developments, norms, and business
dinamika bisnis Bank. dynamics.
Isi Kode Etik dan Kode Etik (Code of Conduct) Bank The Bank's Code of Conduct was ratified
disahkan berdasarkan Surat Keputusan based on Board of Directors Decree No.
Pernyataan Kode Etik
Direksi No. 025/DIRAB/24 tentang 025/DIRAB/24 concerning the Code of
Berlaku bagi Seluruh Insan
Kebijakan Kode Etik (Code of Conduct). Conduct Policy. This Code of Conduct
Allo Bank Kode Etik Perilaku ini berlaku bagi applies to the Board of Commissioners,
Contents of Code of Dewan Komisaris, Direksi, dan karyawan Directors, and employees of Allo Bank.
Conduct and Statement of Allo Bank. Seluruh karyawan telah All employees have signed a statement
Code of Conduct Applies to menandatangani pernyataan bahwa stating that they understand and will
All Allo Bank Personnel yang bersangkutan telah memahami comply with and implement the Allo
dan akan menaati serta menjalankan Bank Code of Conduct.
Kode Etik Bank Allo Bank tersebut.
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Secara garis besar, Kode Etik Perilaku Allo Bank mengatur Broadly speaking, the Allo Bank Code of Conduct regulates:
tentang:
1. Mematuhi peraturan perundang-undangan yang berlaku, 1. Compliance with applicable laws and regulations, both
baik internal maupun eksternal. internal and external.
2. Menolak penyuapan, korupsi dan aktivitas ilegal lainnya. 2. Rejecting bribery, corruption and other illegal activities.
3. Dilarang menerima atau meminta hadiah/hiburan dari 3. It is prohibited to accept or ask for gifts/entertainment from
nasabah dalam bentuk apapun. customers in any form.
4. Menjaga agar tidak terjadi benturan kepentingan, baik 4. Ensuring that there are no conflicts of interest, whether
dengan nasabah, karyawan Bank, pemegang saham, with customers, Bank employees, shareholders, members
anggota Dewan Komisaris, anggota Direksi, dan/atau pihak of the Board of Commissioners, members of the Board of
terkait dengan Bank. Directors, and/or parties related to the Bank.
5. Mencegah pencucian uang, membocorkan rahasia 5. Preventing money laundering, leak company confidential
perusahaan, dan menjaga kerahasiaan informasi nasabah. matter and maintain the confidentiality of customer
information.
6. Tidak menyalahgunakan jabatan dan wewenangnya untuk 6. Not abusing individual’s position and authority for personal
kepentingan pribadi maupun keluarga. or family interests.
7. Tidak melakukan perbuatan tercela yang dapat merugikan 7. Not commit disgraceful acts that could harm customers or
nasabah maupun Bank. the Bank.
8. Senantiasa berusaha untuk meningkatkan pengetahuan, 8. Striving to enhance knowledge, especially in the banking
khususnya pada industri perbankan. industry.
Sosialisasi Kode Etik
Dissemination of Code of Conduct
Bank secara berkala melakukan kegiatan sosialisasi Kode Etik The Bank regularly disseminates the Code of Ethics through
Perilaku melalui kegiatan internal serta menyediakan kebijakan internal activities and provides a code of ethics policy available
kode etik yang dapat dibaca semua karyawan di portal intranet to all employees on the MyAllo intranet portal. This code
MyAllo. Sosialisasi kode etik ini bertujuan untuk meningkatkan of ethics socialization aims to raise employee awareness to
kesadaran para karyawan untuk terus menjalankan kegiatan continue conducting operations ethically and with integrity.
operasional secara beretika dan berintegritas.
Budaya Perusahaan
Corporate Culture
Dalam menjalankan kegiatan operasional sehari-hari, seluruh In carrying out daily operational activities, all employees of the
Insan Perseroan juga menerapkan nilai nilai perusahaan, yakni: Company adopt the following values:
1. Data-driven: Kami mengambil keputusan dan memecahkan 1. Data-driven: - We make decisions and solve problems
masalah berdasarkan data dan informasi yang kredibel; based on credible data and information;
2. Impact: Kami memberikan solusi dan dampak positif 2. Impact: We provide positive solutions and impact to all
kepada semua stakeholders; stakeholders;
3. Growth: Kami terus menerus tumbuh dan berkembang secara 3. Growth: We continuously grow and develop sustainably for
berkesinambungan untuk masa depan yang lebih baik; a better future;
4. In harmony: Kami bekerjasama dengan semua pihak secara 4. In harmony: We collaborate with all parties harmoniously
harmonis yang berorientasi pada hasil; towards result-oriented;
5. Transparency: Kami berperilaku jujur dan transparan dalam 5. Transparency: We are honest and transparent in all aspects
segala aspek pekerjaan; of our work;
6. Agility: Kami tangkas beradaptasi terhadap semua 6. Agility: We are nimble in adapting to all changes that occur;
perubahan yang terjadi; dan and
7. Learning: Kami terus belajar, berbagi dan menerapkan 7. Learning: We continuously learn, share, and apply new
pengetahuan dan keterampilan baru untuk knowledge and skills to develop our competencies.
mengembangkan kompetensi diri.
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Pelanggaran dan Sanksi
Violations and Sanctions
Kode Etik Perilaku Bank juga mengatur mengenai sanksi atas The Bank's Code of Ethics and Conduct also stipulates sanctions
pelanggaran yang terjadi sesuai dengan tingkat pelanggaran for violations, depending on the severity of the violation.
yang dilakukan. Sepanjang tahun 2025, Bank mendapati Throughout 2025, the Bank identified six violations of the Code
adanya pelanggaran atas Kode Etik Perilaku sebanyak 6 kasus. of Ethics and Conduct. All cases have been followed up by the
Seluruh kasus yang terjadi telah ditindaklanjuti oleh Bank sesuai Bank in accordance with applicable regulations. The details of
dengan ketentuan yang berlaku. Adapun rincian sanksi yang the sanctions imposed in the past two years are as follows:
dikenakan dalam 2 (dua) tahun terakhir adalah sebagai berikut:
Sanksi
2025 2024
Sanction
Tindakan Disiplin Ringan 2 -
Light Disciplinary Action
Tindakan Disiplin Sedang 3 3
Moderate Disciplinary Action
Tindakan Disiplin Berat 1 -
Sever Disciplinary Action
Jumlah 6 3
Total
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Penerapan Program Anti Pencucian
Uang, Pencegahan Pendanaan
Terorisme dan Pencegahan Pendanaan
Proliferasi Senjata Pemusnah Massal
● Implementation of Anti-Money Laundering, Counter-Terrorist
Financing, and Counter-Proliferation Financing of Weapons of
Mass Destruction Program
Sebagai bentuk pemenuhan ketentuan To comply with the requirements of
OJK, Bank Indonesia, maupun peraturan the Financial Services Authority (OJK),
perundang-undangan lainnya, Direksi Bank Indonesia, and other laws and
dan Dewan Komisaris berkomitmen regulations, the Board of Directors
penuh untuk memastikan Allo Bank and Board of Commissioners are fully
melakukan seluruh kegiatan usahanya committed to ensuring that Allo Bank
dengan tetap mendukung Anti conducts all its business activities
Pencucian Uang (APU), Pencegahan while consistently supporting Anti-
Pendanaan Terorisme (PPT) dan Money Laundering (AML), Counter-
Pencegahan Pendanaan Proliferasi Terrorism Financing (CFT), and Counter-
Senjata Pemusnah Massal (PPPSPM). Proliferation of Weapons of Mass
Destruction (PPPSPM) programs.
Dewan Komisaris melakukan The Board of Commissioners actively
pengawasan secara aktif dalam oversees the Board of Directors'
mengawasi pelaksanaan tanggung responsibilities regarding the
jawab Direksi terhadap penerapan implementation of the AML, CFT,
program APU PPT & PPPSPM, termasuk and PPPSPM programs, including
komitmen yang dibuat oleh Allo Bank commitments made by Allo Bank to
kepada Otoritas Jasa Keuangan/Bank the Financial Services Authority/Bank
Indonesia serta pelaporan kepada Indonesia and reporting to regulators
regulator sesuai peraturan yang in accordance with applicable
berlaku. Bank senantiasa meningkatkan regulations. The Bank continuously
kualitas penerapan Program APU PPT improves the quality of its AML, CFT,
& PPPSPM, baik melalui pengawasan and PPPSPM program implementation
aktif dari manajemen, penyempurnaan through active management oversight,
kebijakan, penyelenggaraan program policy refinement, training programs,
pelatihan, penyempurnaan sistem information system enhancements, and
informasi, maupun inisiatif-inisiatif other initiatives.
lainnya.
Berdasarkan POJK No. 8 Tahun Based on OJK Regulation No. 8 of 2023
2023 tentang Penerapan Program concerning the Implementation of Anti-
Anti Pencucian Uang, Pencegahan Money Laundering, Counter-Terrorism
Pendanaan Terorisme, dan Pencegahan Financing, and Counter-Proliferation of
Pendanaan Proliferasi Senjata Pemusnah Weapons of Mass Destruction Programs
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Massal di Sektor Jasa Keuangan, Allo Bank telah menerapkan in the Financial Services Sector, Allo Bank has implemented
program APU PPT & PPPSPM yang mencakup sejumlah faktor, an AML, CFT, and PPPSPM program that encompasses several
seperti: factors, such as:
1. Pengawasan Aktif Direksi dan Dewan Komisaris. 1. Active supervision of the Board of Directors and Board of
Commissioners.
2. Kebijakan dan prosedur. 2. Policies and procedures.
3. Pengendalian internal. 3. Internal control.
4. Sistem informasi manajemen. 4. Management information system.
5. SDM dan pelatihan. 5. Human resources and training
Penerapan Program Anti Pencucian Uang (APU), Pencegahan Pendanaan Terorisme
(PPT) dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal (PPPSPM)
Tahun 2025
Implementation of the Anti-Money Laundering (AML), Countering the Financing of Terrorism
(CFT) and Counter-Proliferation Financing of Weapons of Mass Destruction (CPF)
1. Struktur Organisasi dalam Penerapan Program APU PPT & 1. Organizational Structure in Implementing the AML-CFT &
PPPSPM CPF Program
Dalam menerapkan program APU PPT & PPPSPM, Bank In implementing the AML-CFT & CPF program, the Bank
menetapkan Divisi Compliance dan AML-CTF sebagai designated the Compliance and AML-CFT Divisions as
Unit Kerja Khusus (UKK) penerapan program APU PPT Special Work Units (UKK) for implementing the AML-CFT
& PPPSPM yang mana Divisi Compliance dan AML- & CPF programs where the Compliance and AML-CFT
CTF melapor dan bertanggung jawab langsung kepada Divisions report and are directly responsible to the Director
Direktur yang membawahi fungsi kepatuhan di Allo Bank who oversees the compliance function at Allo Bank, in
dalam hal ini Direktur Risiko, Kepatuhan & Hukum. Selain this case the Director of Risk, Compliance & Legal. Apart
itu penerapan APU PPT & PPPSPM juga diterapkan oleh from that, the implementation of AML-CFT & CPF is also
Kepala Bagian Operasional di setiap Kantor Cabang yang implemented by the Head of Operations at each Branch
memiliki fungsi supervisi dan memastikan bahwa kegiatan Office who has a supervisory function and ensures
operasional di Kantor Cabang masing-masing telah sesuai that operational activities in each Branch Office are in
dengan penerapan program APU PPT & PPPSPM. accordance with the implementation of the AML-CFT &
CPF program.
Adapun struktur organisasi APU PPT & PPPSPM hingga akhir The organizational structure of AML-CFT & CPF in 2025 is
tahun 2025 adalah sebagai berikut: described as follows:
Risk, Compliance &
Legal Director
Kepala UKK APU & PPT
Head of AML & CTF Unit
Koordinator Officer APU & PPT
Coordinator Officer AML & CTF
Officer Transaction
Officer Advisory
Monitoring & Reporting
Officer APU & PPT Kantor Cabang*
Officer AML & CTF*
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1. Program Dalam Penerapan Program APU PPT & PPPSPM 1. Program in Implementing the AML-CFT & CPF Program
Dalam upaya pencegahan dan meminimalisasi Bank In an effort to prevent and minimize banks being used as
digunakan sebagai sarana pencucian uang, pendanaan a means of money laundering, financing terrorism and
terorisme, dan pendanaan proliferasi senjata pemusnah funding the proliferation of weapons of mass destruction,
massal, maka Allo Bank menerapkan program APU PPT & Allo Bank implements the AML-CFT & CPF program
PPPSPM melalui: through:
a. Pengawasan Aktif Direksi dan Komisaris a. Active Supervision of Directors and Commissioners
Peran aktif dari Direksi dan Dewan Komisaris sangat The active role of the Board of Directors and Board of
diperlukan dalam menciptakan efektivitas penerapan Commissioners is very necessary in creating effective
Program APU PPT & PPPSPM, mengingat peranan implementation of the AML-CFT & CPF Program,
Direksi dan Dewan Komisaris akan mempengaruhi considering that the role of the Directors and Board of
Tingkat pencapaian tujuan organisasi untuk penerapan Commissioners will influence the level of achievement
Program APU PPT & PPPSPM. Bentuk pengawasan of organizational goals for implementing the AML-CFT
aktif Direksi dan Dewan Komisaris antara lain sebagai & CPF Program. Forms of active supervision by the
berikut: Board of Directors and Board of Commissioners include
the following:
• Persetujuan Direksi atas penetapan Divisi • Approval from the Board of Directors on the
Compliance & AML-CTF sebagai UKK yang appointment of the Compliance & AML-CFT
bertanggung jawab terhadap penerapan Program Division as UKK responsible for implementing the
APU PPT & PPPSPM; AML-CFT & CPF Program;
• Persetujuan Direksi dan Dewan Komisaris atas • Approval of the Board of Directors and Board of
Kebijakan APU PPT & PPPSPM; Commissioners on the AML-CFT & CPF Policy;
• Laporan berkala (bulanan, triwulanan, dan • Periodic reports (monthly, quarterly and semi-
semesteran) terkait kewajiban pelaporan dan annually) regarding reporting obligations and
implementasi Program APU PPT & PPPSPM kepada implementation of the AML-CFT & CPF Program to
Direksi dan Dewan Komisaris; the Board of Directors and Board of Commissioners;
• Persetujuan Direksi atas Laporan Rencana dan • Approval from the Board of Directors on the Plan
Realisasi Pengkinian Data Nasabah; and Realization Report on Updating Customer Data;
• AML Forum yang dihadiri Direksi dan Dewan • AML Forum attended by the Board of Directors
Komisaris untuk membahas pelaksanaan Program and Board of Commissioners to discuss the
APU PPT & PPPSPM. implementation of the AML-CFT & CPF Program.
b. Kecukupan dan Efektivitas Kebijakan & Prosedur b. Adequacy and Effectiveness of Policies & Procedures
Bank telah menyusun Kebijakan dan Prosedur APU The Bank has prepared AML-CFT & CPF Policies and
PPT & PPPSPM yang secara berkala dilakukan Procedures which are regularly reviewed and refined in
peninjauan dan penyempurnaan sesuai ketentuan yang accordance with applicable regulations. To strengthen
berlaku. Untuk memperkuat penerapan APU PPT & the implementation of AML-CFT & CPF, every
PPPSPM, maka di setiap prosedur produk dan aktivitas banking product and activity procedure also regulates
perbankan diatur pula prosedur pelaksanaan APU procedures for implementing AML-CFT & CPF to
PPT & PPPSPM guna mengidentifikasi dan melakukan identify and assess the risk of criminal acts of money
penilaian risiko tindak pidana pencucian uang, tindak laundering, criminal acts of financing terrorism and/or
pidana pendanaan terorisme dan/atau tindak pidana criminal acts of funding the proliferation of weapons
pendanaan proliferasi senjata pemusnah massal of mass destruction for each product or activity. To
untuk masing-masing produk atau aktivitas. Untuk ensure that the implementation of the AML-CFT & CPF
memastikan implementasi Program APU PPT & PPSPM Program is running as it should, supervision is carried
telah berjalan sebagaimana mestinya maka dilakukan out by the Compliance & AML-CFT Division.
supervisi oleh Divisi Compliance & AML-CTF.
Kebijakan dan prosedur penerapan program APU PPT The policies and procedures for implementing the
sejalan dan sesuai dengan Peraturan OJK (POJK) No. AMLCTF program are in line with and in accordance
8 Tahun 2023 tentang Penerapan Program APU PPT with OJK Regulation (POJK) No. 8 of 2023 concerning
& PPPSPM di sektor jasa keuangan, yang antara lain Implementation of the AML-CFT & CPF Program in the
mengatur: financial services sector, which among other things
regulates:
• Pengawasan Aktif Direksi dan Dewan Komisaris; • Active Supervision of the Board of Directors and
Board of Commissioners;
• Prosedur Customer Due Diligence dan/atau • Customer Due Diligence and/or Enhanced Due
Enhanced Due Diligence terhadap Calon Nasabah/ Diligence procedures for prospective Customers/
Nasabah/Beneficial Owner/Walk in Customer Customers/Beneficial Owner/Walk in Customers
termasuk memastikan bahwa mereka tidak masuk including ensuring that they are not included
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dalam Daftar Terduga Teroris dan Organisasi Teroris in the List of Suspected Terrorists and Terrorist
dan/atau Daftar Proliferasi Senjata Pemusnah Organizations and/or the Proliferation of Weapons
Massal dan daftar watchlist lainnya (OFAC List, UN of Mass Destruction List and other watchlists (OFAC
List); List, UN List);
• Penerapan Program APU PPT & PPPSPM • Implementation of the AML-CFT & CPF Program
berdasarkan pendekatan berbasis risiko (Risk-Based based on a risk-based approach;
Approach);
• Prosedur Pemantauan Profil dan Transaksi Nasabah; • Customer Profile and Transaction Monitoring
Procedures;
• Pelaksanaan Prosedur Transfer Dana; • Implementation of Fund Transfer Procedures;
• Penatausahaan Dokumen Nasabah dan Transaksi; • Administration of Customer Documents and
Transactions;
• Penerapan Program APU PPT & PPPSPM di • Implementation of the AML-CFT & CPF Program on
Jaringan the Network
• Kantor dan Entitas Anak dalam Konglomerasi • Offices and Subsidiaries in Financial Conglomerates;
Keuangan;
• Pengendalian Internal; dan • Internal Control; and
• Sumber Daya Manusia dan Pelatihan. • Human Resources and Training.
c. Pengendalian intern yang efektif dalam penerapan APU c. Effective internal control in implementing AML-CFT &
PPT & PPPSPM antara lain dilakukan dengan: CPF includes, among other things, carried out by:
• Dimilikinya kebijakan dan prosedur APU PPT & • Having AML-CFT & CPF policies and procedures as
PPPSPM serta pemantauan internal yang memadai; well as adequate internal monitoring;
• Adanya batasan wewenang dan tanggung jawab • There are clear boundaries of authority and
yang jelas terhadap satuan kerja terkait dengan responsibility for work units related to the
penerapan program APU PPT & PPPSPM baik implementation of the AMLCTF & CPF program
melalui first line of defense (risk taking unit), second either through the first line of defense (risk taking
line of defense maupun third line of defense; dan unit), second line of defense and third line of
defense; and
• Dilakukannya pemeriksaan untuk memastikan • Conducting inspections to ensure the effectiveness
efektivitas pelaksanaan Program APU PPT & of the implementation of the AML-CFT & CPF
PPPSPM oleh Satuan Kerja Audit Internal. Program by the Internal Audit Work Unit.
• Pengembangan sistem aplikasi internal pendukung • Development of an internal application system to
kewajiban pelaporan sesuai dengan requirement support reporting obligations in accordance with
format pelaporan GoAML PPATK; the PPATK GoAML reporting format requirements;
• Pengembangan system interface GoAML dalam • Development of a GoAML interface system to
mendukung kewajiban pelaporan yang telah support reporting obligations that have been
disesuaikan dengan ketentuan GoAML; adjusted to GoAML provisions;
d. Sistem Manajemen Informasi d. Information Management System
Untuk mengoptimalkan pemantauan transaksi dalam To optimize transaction monitoring in the implementation
pelaksanaan Program APU PPT & PPPSPM, Bank of the AML-CFT & CPF Program, the Bank continuously
secara berkelanjutan mengembangkan teknologi develops information system technology, including:
sistem informasi, antara lain:
• Melakukan penyempurnaan sistem dan aplikasi • Improve the supporting systems and applications
pendukung untuk Anti Money Laundering Detection for the Anti Money Laundering Detection System,
System, Filtering & Screening Terrorist (DTTOT Terrorist Filtering & Screening (DTTOT List),
List), PEP Screening Detection dan Customer Due PEP Screening Detection and Customer Due
Diligence Risk Scoring, baik secara batch maupun Diligence Risk Scoring, both in batch and real
realtime. AML System digunakan untuk mendukung time. The AML System is used to support more
pelaksanaan Prinsip Mengenal Nasabah yang optimal implementation of Know Your Customer
lebih Optimal, khususnya dalam pendeteksian/ Principles, especially in detecting/monitoring
pemantauan transaksi nasabah yang memiliki pola customer transactions that have money laundering
perilaku dan pola transaksi pencucian uang dan and terrorism financing behavior and transaction
pendanaan terorisme. patterns.
• Pengembangan aplikasi pemanfaatan data • Developing an application for utilizing PPATK
Politically Exposed Person (PEP) PPATK; Politically Exposed Person (PEP) data;
• Pengembangan aplikasi KYC untuk melakukan • Developing a KYC application to filter and screen
filtering dan screening calon nasabah terhadap prospective customers against Terrorist Data/
Data Teroris/Terrorist List, Daftar Proliferasi Senjata Terrorist List, Proliferation of Weapons of Mass
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Pemusnah Massal, PEP List, OFAC List, UN List dan Destruction List, PEP List, OFAC List, UN List and
Fraudulent List; Fraudulent List;
e. Sumber Daya Manusia dan Pelatihan e. Human Resources and Training
Bank secara berkesinambungan menyelenggarakan The Bank continuously provides training, outreach and
pelatihan, sosialisasi dan Reminder mengenai reminders regarding the implementation of the AML-
penerapan Program APU PPT & PPPSPM kepada CFT & CPF Program to all employees on an ongoing
seluruh pegawai secara berkesinambungan untuk basis to improve competency, including:
meningkatkan kompetensi, antara lain meliputi:
• Pelatihan, metode pelatihan dapat dilakukan secara • Training, training methods can be carried out
elektronik/online base, maupun melalui tatap muka. electronically/online, or face to face.
• Pelaksanaan Supervisi dan Sosialisasi penerapan • Implementation of Supervision and Socialization of
Program APU PPT & PPPSPM. the implementation of the AML-CFT & CPF Program
• Penyampaian Email Blast terkait tipologi, modus • Submission of Email Blast regarding typology, latest
terbaru dan lesson learned terkait APU PPT & modes and lessons learned regarding AML-CFT &
PPPSPM kepada Pegawai Bank. CPF to Bank Employees.
f. Melaksanakan program Peningkatan kualitas data f. Implementing a program to improve customer data
nasabah quality
g. Menjalin dan membina kerja sama maupun koordinasi g. Establishing and fostering cooperation and coordination
dengan pihak regulator dan Aparat Penegak Hukum, with regulators and Law Enforcement Officials,
khususnya dalam pemenuhan permintaan data dan/ especially in fulfilling customer data and/or information
atau informasi nasabah. requests.
h. Berperan aktif dalam program kerja dan kegiatan h. Playing an active role in the work program and activities
rezim APU PPT yang diselenggarakan oleh regulator/ of the AML-CFT regime organized by the regulator/
pemerintah. government.
2. Penguatan Program APU PPT & PPPSPM Semakin 2. Strengthening the AML-CFT & CPF Program
kompleksnya produk, jasa dan layanan perbankan, The increasing complexity of banking products, services
serta meningkatnya penggunaan teknologi digital, hal and services, as well as the increasing use of digital
ini berpotensi meningkatkan risiko perbankan untuk technology, has the potential to increase the risk of banking
digunakannya sebagai sarana pencucian uang, pendanaan being used as a means of money laundering, financing
terorisme dan pendanaan proliferasi senjata pemusnah terrorism and financing the proliferation of weapons of
massal oleh para pelaku kejahatan. Sehubungan dengan mass destruction by criminals. In connection with this, the
hal tersebut, Bank perlu memastikan bahwa implementasi Bank needs to ensure that the implementation of AML-CFT
APU PPT & PPPSPM telah berjalan dengan baik dan & CPF has gone well and in accordance with the provisions,
sesuai dengan ketentuan, selain itu perlu dilakukan upaya in addition to that efforts need to be made to improve its
perbaikan dalam pelaksanaannya. implementation.
Beberapa inisiatif perbaikan yang dilakukan Bank, antara Several improvement initiatives carried out by the Bank
lain: include:
a. Meningkatkan awareness dan kompetensi pegawai a. Raising employee awareness and competence
terkait implementasi APU PPT & PPPSPM; regarding the implementation of AML-CFT & CPF;
b. Melakukan evaluasi proses penerimaan nasabah b. Evaluating the customer acceptance process
c. Melakukan updating atas kebijakan dan prosedur c. Updating internal policies and procedures in
internal sesuai dengan ketentuan yang berlaku. accordance with applicable regulations.
d. Mengembangkan AML system dan aplikasi lainnya d. Developing AML systems and other applications
untuk mendukung optimalisasi implementasi APU PPT to support the optimization of AML-CFT & CPF
& PPPSPM implementation
e. Meningkatkan kualitas data nasabah dan analisis e. Improving the quality of customer data and reporting
pelaporan kepada regulator sesuai dengan ketentuan; analysis to regulators in accordance with regulations;
f. Menindaklanjuti seluruh hasil audit baik dari internal f. Follow up on all internal and external audit results related
maupun eksternal terkait dengan implementasi APU to the implementation of AML-CFT & CPF according to
PPT & PPPSPM sesuai dengan waktu yang telah the specified time;
ditetapkan;
g. Melakukan koordinasi secara aktif dengan Regulator g. Coordinate actively with Regulators and Law
dan Aparat Penegak Hukum dalam pemenuhan Enforcement Officials in fulfilling requests for data and
permintaan data dan pemberian keterangan dalam providing information in efforts to Prevent and Eradicate
upaya Pencegahan dan Pemberantasan Tindak Pidana Money Laundering, Prevent Terrorism Financing and
Pencucian Uang, Pencegahan Pendanaan Terorisme Prevent Funding for the Proliferation of Weapons of
dan Pencegahan Pendanaan Proliferasi Senjata Mass Destruction.
Pemusnah Massal.
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Perlakuan yang Sama terhadap
Seluruh Pemegang Saham
● Equal Treatment for All Shareholders
Mengacu pada Undang-Undang Referring to the Limited Liability
Perseroan Terbatas dan Peraturan OJK Company Law and applicable OJK
yang berlaku, Allo Bank memastikan Regulations, Allo Bank ensures that
bahwa seluruh kegiatan operasionalnya all its operational activities always pay
senantiasa memperhatikan prinsip attention to the principle of equal and
perlakuan yang sama dan setara kepada equal treatment to all shareholders, such
seluruh pemegang saham, seperti: as:
1. Menyediakan informasi mengenai 1. Provide information regarding
laporan keuangan yang dapat financia reports that can be accessed
diakses pada situs web Bank. on the Bank’s website.
2. Pengumuman, Panggilan Rapat 2. Announcement, invitation to the
Umum Pemegang Saham yang General Meeting of Shareholders
dilakukan secara terbuka melalui which is made openly via the bank’s
situs web bank. website.
3. Mempunyai kesempatan yang sama 3. Have the same opportunity to
untuk bersuara dalam Rapat Umum speak at the General Meeting of
Pemegang Saham. Shareholders.
Pemberian Dana untuk
Kegiatan Sosial dan Politik
● Providing Funds for Social and Political Activities
Bank memiliki kebijakan yang melarang The Bank has a policy of prohibiting
adanya keterlibatan seluruh Insan the involvement of all Bank personnel
Bank dalam kegiatan politik aktif, in active political activities, including
termasuk dengan memberikan dana providing funds for political purposes.
untuk kepentingan politik. Kebijakan ini This policy is implemented to maintain
diterapkan untuk menjaga independensi the independence and professionalism
dan profesionalisme Bank dan karyawan. of the Bank and its employees. This policy
Kebijakan ini juga sejalan dengan also aligns with the Bank's commitment
semangat Bank untuk terus memberikan to continuously providing added value
nilai tambah bagi seluruh pemangku to all stakeholders, including addressing
kepentingan, termasuk terhadap social issues through its social and
masalah sosial kemasyarakatan yang environmental responsibility programs.
diwujudkan melalui program-program
tanggung jawab sosial dan lingkungan.
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Penyediaan Dana kepada Pihak Terkait
dan Penyediaan Dana Besar
● Provision of Funds to Related Parties and Provision of
Large Funds
Sebagaimana diatur oleh POJK No. As regulated by POJK No. 17 of 2023
17 Tahun 2023 tentang Penerapan concerning the Implementation of
Tata Kelola Bank Umum, Bank wajib Governance for Commercial Banks, the
menerapkan prinsip kehati-hatian Bank is required to apply the principle
dalam penyediaan dana paling sedikit of prudence in providing funds at least
dengan menerapkan penyebaran atau by implementing the distribution or
diversifikasi portofolio penyediaan diversification of the portfolio of funds
dana yang diberikan. Pengungkapan provided. Disclosure of the provision
penyediaan dana kepada pihak terkait of funds to related parties (individuals
(individu atau kelompok, termasuk or groups, including the Board of
Direksi, Dewan Komisaris, Pejabat Directors, Board of Commissioners,
Eksekutif Bank, serta pihak terkait Bank Executive Officers, and other
lainnya) dan penyediaan dana besar related parties) and the provision of
(large exposure) mengacu pada large funds (large exposure) refers
SEOJK No. 13/SEOJK.03/2017 tentang to SEOJK No. 13/SEOJK.03/2017
Penerapan Tata Kelola bagi Bank Umum concerning the Implementation of
bagian Transparansi Penerapan Tata Governance for Commercial Banks,
Kelola. Dalam penyediaan dana kepada section on Transparency of Governance
pihak terkait dan penyediaan dana Implementation. In providing funds
besar, Allo Bank selalu menerapkan to related parties and providing large
prinsip kehati-hatian dan dilakukan funds, Allo Bank always applies the
sesuai dengan ketentuan yang berlaku. principle of prudence and is carried
out in accordance with applicable
regulations.
Kebijakan Penyediaan Penyediaan dana kepada pihak terkait The provision of funds to related parties
dan kepada debitur dalam jumlah and large debtors is always carried out
Dana kepada Pihak Terkait
besar senantiasa dilakukan dengan with due regard for the principle of
dan Penyediaan Dana
memperhatikan prinsip kehati-hatian, prudence, through a review process
Besar melalui proses review dan mekanisme and mechanisms in accordance with
Policy on Providing Funds yang sesuai dengan kebijakan Bank serta Bank policy and in compliance with OJK
to Related Parties and telah memenuhi ketentuan OJK maupun regulations and applicable laws and
Providing Large Funds peraturan perundang-undangan yang regulations, including those concerning
berlaku, antara lain menyangkut aspek the Legal Lending Limit (LLL).
Batas Maksimum Pemberian Kredit
(BMPK).
Untuk transaksi material dengan pihak For material transactions with related
terkait dan transaksi yang berpotensi parties and transactions that have
menimbulkan benturan kepentingan the potential to create a conflict of
bagi Bank, persetujuan Dewan Komisaris interest for the Bank, the Board of
wajib didasari oleh rekomendasi Commissioners' approval must be based
dari Komite Audit yang diberikan on a recommendation from the Audit
sebelum melakukan transaksi material Committee, which is provided prior to
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dengan pihak afiliasi. Penyediaan dana besar harus dianalisa any material transaction with an affiliated party. Large-scale
kelayakannya minimum sama atau lebih berhati-hati (prudent) funding must be analyzed for its feasibility with at least the same
daripada penyediaan dana kepada debitur umum. Syarat dan or greater prudence than providing funds to general debtors.
ketentuan penyediaan dana diterapkan adalah sesuai dengan The terms and conditions for providing funds are applied in
ketentuan dan prosedur perkreditan yang berlaku di Allo bank. accordance with applicable credit regulations and procedures
at Allo Bank.
Pelaporan rutin BMPK kepada OJK atau Bank Indonesia Routine reporting of the LLL to the OJK or Bank Indonesia is
dilakukan secara tepat waktu. Sepanjang tahun 2024 tidak carried out in a timely manner. Throughout 2024, there were
terdapat pelanggaran atau pelampauan atas BMPK (Batas no violations or exceedances of the LLL (Large Lending Limit).
Maksimum Pemberian Kredit). Penyediaan Dana kepada Pihak Provision of Funds to Related Parties and to Individual and
Terkait (Related Party) dan kepada Debitur Inti Individu dan Group Core Debtors (Large Exposure) at the Bank during 2025:
Grup (Large Exposure) di Bank selama tahun 2025:
Jumlah
Penyediaan Dana Total
Provision of Funds Debitur/Grup Nominal (Rp)
Debtors/Group Nominal (IDR)
Kepada Pihak Terkait 29 499.369.752.656
To Related Parties
Kepada Debitur Inti 15 6.453.270.231.035
To Core Debtors
Individu 7 2.219.429.228.401
Individual
Grup 8 4.233.841.002.634
Group
Buy Back Share dan/atau Buyback
Obligasi Bank
● Buy Back Shares and/or Buyback Bank Bonds
Bank telah melakukan pembelian Bank has conducted share buyback in
kembali saham sesuai dengan peraturan accordance with applicable laws and
perundang-undangan yang berlaku regulations. It has done these buybacks
berdasarkan keterbukaan informasi based on information disclosures to
kepada pemegang saham sehubungan shareholders regarding the Company's
dengan rencana pembelian Kembali share buyback plans and has done
saham perseroan dalam kondisi pasar so under significantly fluctuating
yang berfluktuasi secara signifikan market conditions, as published on the
yang dimuat pada website Bursa Efek Indonesia Stock Exchange website and
Indonesia dan website Perseroan pada the Company's own website on 30 April,
tanggal 30 April 2025, 29 Juli 2025, 2025, 29 July, 2025, and 29 October,
dan 29 Oktober 2025. Jumlah alokasi 2025. The total allocation of funds for
dana seluruh program pembelian the Bank's entire share buyback program
kembali saham Bank adalah sebesar was IDR200,000,000,000 (two
Rp200.000.000.000,- (dua ratus hundred billion Rupiah) using retained
miliar Rupiah) menggunakan saldo laba earnings. This is based on information
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ditahan, berdasarkan keterbukaan informasi kepada pemegang disclosures to shareholders regarding the Company's share
saham sehubungan dengan rencana pembelian kembali buyback plan under significantly fluctuating market conditions
saham perseroan dalam kondisi pasar yang berfluktuasi secara on April 30, 2025.
signifikan pada tanggal 30 April 2025.
Mengingat masih terdapat sisa dana untuk pembelian kembali Considering that there were still remaining funds for share
saham dan belum melampaui batasan maksimum dalam buybacks and considering that they have not exceeded the
pelaksanaan pembelian kembali saham, Bank merencanakan maximum limit for share buybacks, the Bank plans to repurchase
untuk kembali melakukan Pembelian Kembali Saham yang shares issued and listed on the Indonesia Stock Exchange
telah dikeluarkan dan tercatat di Bursa Efek Indonesia sesuai in accordance with Financial Services Authority Regulation
POJK 13/2023, Peraturan OJK No. 29 Tahun 2023 tentang (POJK). 13/2023, OJK Regulation No. 29 of 2023 concerning
Pembelian Kembali Saham yang Dikeluarkan oleh Perusahaan the Buyback of Shares Issued by Public Companies, and
Terbuka dan Surat OJK No. S-102/D.04/2025 tanggal 17 OJK Letter No. S-102/D.04/2025 dated 17 September, 2025,
September 2025 perihal Kebijakan Pelaksanaan Pembelian concerning the Policy for Implementing the Buyback of Shares
Kembali Saham yang Dikeluarkan oleh Perusahaan Terbuka Issued by Public Companies in Significantly Fluctuating Market
dalam Kondisi Pasar yang Berfluktuasi Secara Signifikan. Conditions.
Transaksi yang Mengandung Benturan
Kepentingan dan/atau Transaksi
dengan Pihak Afiliasi/Pihak Berelasi
● Transactions Involving Conflicts of Interest
Allo Bank telah memiliki kebijakan Allo Bank has a policy regarding the
mengenai penanganan benturan handling of conflicts of interest and
kepentingan dan transaksi afiliasi related-party transactions, as set
yang tertuang dalam Surat Keputusan forth in Board of Directors’ Resolution
Direksi No. 083/DIRAB/24 tentang No. 083/DIRAB/24 on Related-Party
Transaksi Afiliasi, Transaksi Benturan Transactions, Conflict-of-Interest
Kepentingan, dan Transaksi Material. Transactions, and Material Transactions.
Kebijakan ini secara umum mengatur This policy generally governs the
tentang persetujuan, administrasi, dan approval, administration, and disclosure
pengungkapan benturan kepentingan of conflicts of interest and related-party
dan transaksi afiliasi. transactions.
Pada tahun 2025 tidak terdapat aktivitas/ In 2025, there were no activities or
transaksi yang menimbulkan benturan transactions that raised conflicts of
kepentingan, namun terdapat aktivitas interest; however, there were affiliated
atau transaksi afiliasi dengan perusahaan activities or transactions with companies
dalam group usaha termasuk sewa- within the business group, including
menyewa penggunaan ruang kantor the Lease of office space and archive
dan box arsip. Transaksi tersebut telah storage units. These transactions
diproses sesuai ketentuan dan dilakukan were processed in accordance with
secara wajar (arm’s length principle), regulations and conducted on an arm’s-
serta didukung dengan Perjanjian length basis, and were supported by
Kerjasama yang diadministrasikan Cooperation Agreements that were
dengan baik oleh Bank. Data transaksi properly administered by the Bank. The
afiliasi selama tahun 2025 (transaksi data on affiliate transactions during
yang bukan kegiatan usaha Bank) adalah 2025 (transactions that are not part of
sebagai berikut: the Bank’s business activities) are as
follows:
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Jangka Waktu
Nama dan Jabatan
Period
Nama Pihak Afiliasi Pengambil Keputusan Jenis Transaksi Nilai transaksi
No.
Name of the Affiliate Name and Title Transaction Type Transaction value
Awal Akhir
Decision-Maker
Beginning End
1 PT Allo Bank Arief Tendeas Sewa menyewa 1 November 2021 31 Oktober 2026 Rp15.937.620.000
Indonesia Tbk (Direktur/Director) MBM Tendean November 1, 2021 October 31, 2026
& Ari Yanuanto Asah Jakarta lt.5
(Direktur/Director) Lease of MBM
Tendean Jakarta,
PT. Bank Mega Tbk Dimas Prasetyo (PRFS Head)
5th Floor
& Herman Irawan (Project &
Cost Mgt Head)
2 PT Allo Bank Arief Tendeas Sewa menyewa 1 November 2021 31 Oktober 2026 Rp13.924.200.000
Indonesia Tbk (Direktur/Director) MBM Tendean November 1, 2021 October 31, 2026
& Ari Yanuanto Asah Jakarta lt.6
(Direktur/Director) Lease of MBM
Tendean Jakarta,
PT. Bank Mega Tbk Dimas Prasetyo (PRFS Head)
6th Floor
& Herman Irawan (Project &
Cost Mgt Head)
3 PT Allo Bank Arief Tendeas Sewa menyewa 3 Januari 2022 2 Januari 2027 Rp2.918.700.000
Indonesia (Direktur/Director) MBM Tendean January 3, 2022 January 2, 2027
Tbk & Ari Yanuanto Asah Jakarta lt.Mezanine
(Direktur/Director) Lease of MBM
Tendean Jakarta,
PT. Bank Mega Tbk Dimas Prasetyo (PRFS Head)
Mezzanine Floor
& Herman Irawan (Project &
Cost Mgt Head)
4 PT Allo Bank Arief Tendeas Sewa menyewa 15 Maret 2022 14 Maret 2025 Rp3.167.100.000
Indonesia Tbk (Direktur/Director) MBM Tendean March 15, 2022 March 14, 2025
& Ari Yanuanto Asah Jakarta lt. dasar
(Direktur/Director) Leasing MBM
Tendean Jakarta
PT. Bank Mega Tbk Dimas Prasetyo (PRFS Head)
Ground Floor
& Herman Irawan (Project &
Cost Mgt Head)
PT Allo Bank Rumiris Fouryentina S 15 Maret 2025 14 Maret 2028 Rp3.442.500.000
Indonesia Tbk (Business Performance, March 15, 2025 March 14, 2028
Facility & Vendor
Management Div. Head)
& Sonya Rosmala
(Collection Head)
PT. Bank Mega Tbk Dimas Prasetyo (PRFS Head)
& Herman Irawan (Project &
Cost Mgt Head)
5 PT Allo Bank Arief Tendeas Sewa menyewa 15 Maret 2022 14 Maret 2025 Rp493.491.600
Indonesia Tbk (Direktur/Director) MBM Tendean March 15, 2022 March 14, 2025
& Ari Yanuanto Asah Jakarta Lahan
(Direktur/Director) Reklame
Lease of MBM
PT. Bank Mega Tbk Dimas Prasetyo (PRFS Head)
Tendean Jakarta
& Herman Irawan (Project &
Advertising Space
Cost Mgt Head)
PT Allo Bank Rumiris Fouryentina S 15 Maret 2025 14 Maret 2028 Rp528.741.000
Indonesia Tbk (Business Performance, March 15, 2025 March 14, 2028
Facility & Vendor
Management Div. Head)
& Sonya Rosmala
(Collection Head)
PT. Bank Mega Tbk Dimas Prasetyo (PRFS Head)
& Herman Irawan (Project &
Cost Mgt Head)
6 PT Allo Bank Iswibowo (IT Infrastructure Sewa Menyewa 16 Oktober 2023 15 Oktober 2026 Rp279.666.000
Indonesia Tbk Head) & Rully Feranata (IT Lahan Gedung October 16, 2023 October 15, 2026
Strategy & Governance Head) Arsip Setu
Lease of Land and
the Setu Archives
Building
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Jangka Waktu
Nama dan Jabatan
Period
Nama Pihak Afiliasi Pengambil Keputusan Jenis Transaksi Nilai transaksi
No.
Name of the Affiliate Name and Title Transaction Type Transaction value
Awal Akhir
Decision-Maker
Beginning End
PT. Bank Mega Tbk Dimas Prasetyo (PRFS Head) Sewa Menyewa 16 Oktober 2023 15 Oktober 2026 Rp3.827.266.200
& Herman Irawan (Project & Ruang Gedung October 16, 2023 October 15, 2026
Cost Mgt Head) Arsip Setu Lt.
Dasar
Lease of Space in
the Setu Archival
Building, Ground
Floor
7 PT Allo Bank Sonya Rosmala Sewa Menyewa 9 Oktober 2024 8 Oktober 2028 Rp1.422.720.000
Indonesia Tbk (Collection Head) Gedung Kuningan October 9, 2024 October 8, 2028
Card Center Lt. 9
Lease of the
9th Floor at the
Kuningan Card
Center Building
PT. Bank Mega Tbk Dimas Prasetyo (PRFS Head) Sewa Menyewa 9 April 2024 8 Oktober 2028 Rp456.775.200
& Herman Irawan (Project & Gedung Kuningan April 9, 2024 October 8, 2028
Cost Mgt Head) Card Center Lt. 10
Lease of the
Kuningan Card
Center Building,
10th Floor
8 PT Allo Bank Arief Tendeas Sewa Rack Box 1 September 31 Maret 2025 Rp4.200,-/box/
Indonesia Tbk (Direktur/Director) Arsip Setu 2022 March 31, 2025 bulan
& Ari Yanuanto Asah Lease of Archive September 1, IDR4.200,-/box/
(Direktur/Director) Rack Box in Setu 2022 month
PT. Bank Mega Tbk Dimas Prasetyo (PRFS Head)
& Yudi Trihastanto (Facility
Mgt Head)
PT Allo Bank Rumiris Fouryentina S 1 April 2022 31 Maret 2030
Indonesia Tbk (Business Performance, April 1, 2022 March 31, 2030
Facility & Vendor
Management Div. Head)
& Sonya Rosmala
(Collection Head)
PT. Bank Mega Tbk Dimas Prasetyo (PRFS Head)
& Yudi Trihastanto (Facility
Mgt Head)
Program Kepemilikan Saham oleh
Manajemen dan/atau Karyawan
● Share Ownership Program for Management and/or Employees
Per 31 Desember 2025, Bank tidak As of December 31, 2025, the Bank
memiliki program kepemilikan saham did not have a management and/or
oleh manajemen dan/atau karyawan. employee stock ownership program.
Dengan demikian, tidak terdapat Therefore, no information related to
informasi terkait hal tersebut yang dapat this program is presented in this Annual
disajikan dalam Laporan Tahunan ini. Report.
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Internal
Fraud Allo Bank melakukan berbagai upaya
pencegahan terhadap kemungkinan
Allo Bank makes various efforts to
prevent the possibility of internal fraud,
● Internal Fraud terjadinya internal fraud, diantaranya including by:
dengan cara:
1. Menyelenggarakan sosialisasi dan 1. Organizing online or offline
training secara online atau offline dissemination and training for all
kepada seluruh karyawan. employees.
2. Melakukan diskusi secara reguler 2. Holding regular discussions with
dengan dengan manajemen untuk management to improve fraud
meningkatkan kemampuan deteksi detection capabilities.
fraud.
3. Melakukan investigasi kasus fraud 3. Investigating fraud cases and
dan memberikan rekomendasi providing recommendations for
perbaikan yang tepat agar kasus appropriate improvements so that
fraud tidak terulang kembali. fraud cases do not recur.
4. Penandatanganan Kode Etik oleh 4. Signing of the Code of Conduct by
seluruh karyawan sebagai komitmen all employees as a commitment to
menjalankan budaya anti fraud. implementing an anti-fraud culture.
5. Memberikan sanksi tegas kepada 5. Giving strict sanctions to employees
karyawan yang terlibat kasus fraud involved in fraud cases directly or
secara langsung ataupun tidak indirectly as a learning experience
langsung sebagai pembelajaran dan and deterrent for other employees.
efek jera bagi karyawan lain.
6. Melakukan fungsi Know Your 6. Carrying out the Know Your
Employee, salah satunya dengan Employee function, one of which is
melakukan pemeriksaan slik untuk by conducting a ‘slik’ check for each
setiap calon karyawan dan karyawan prospective employee and existing
existing setiap tahunnya. employee every year.
7. Menerbitkan fraud alert atau 7. Publishing fraud alerts or fraud
fraud awareness berupa tulisan awareness in writing and distributed
dan disebarkan melalui e-mail via e-mail and desktop wallpaper
dan desktop wallpaper yang that informs all employees about the
menginformasikan kepada seluruh risk of fraud.
karyawan tentang risiko fraud.
Di tahun 2025, jumlah kasus In 2025, the number of internal
penyimpangan internal fraud tercatat fraud cases was recorded at zero, in
nihil, sesuai dengan pelaporan Pelaporan accordance with the Anti-Fraud Strategy
Penerapan Strategi Anti Fraud Semester Implementation Report for Semester I
I dan Semester II tahun 2025 ke OJK. and Semester II of 2025 to the Financial
Bank telah memiliki dan menjalankan Services Authority (OJK). The Bank has
fungsi deteksi melalui Whistleblowing established and implemented a detection
System dan Unit Kerja Anti Fraud telah function through a Whistleblowing
melakukan fungsi investigasi sesuai System, and the Anti-Fraud Work Unit
dengan penerapan Strategi Anti-Fraud. has conducted investigative functions in
accordance with the implementation of
the Anti-Fraud Strategy.
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Kebijakan
Anti Korupsi
● Anti-Corruption Policy
Program dan Prosedur Dewan Komisaris, Direksi, serta seluruh The Board of Commissioners, Directors,
Insan Bank senantiasa menjunjung tinggi and all Bank personnel consistently
yang Dilakukan dalam
persaingan yang fair, nilai sportifitas dan uphold fair competition, the values of
Mengatasi Praktik Korupsi
profesionalisme, serta prinsip-prinsip sportsmanship and professionalism,
Programs and Procedures GCG. Perusahaan juga berkomitmen and the principles of Good Corporate
Implemented to Address untuk menciptakan iklim usaha yang Governance (GCG). The Company is
Corruption Practices sehat, menghindari tindakan, perilaku also committed to creating a sound
ataupun perbuatan-perbuatan yang business climate, avoiding actions,
dapat menimbulkan konflik kepentingan, behaviors, or deeds that could give
Korupsi, Kolusi, dan Nepotisme (KKN) rise to conflicts of interest, Corruption,
serta selalu mengutamakan kepentingan Collusion, and Nepotism (KKN), and
Bank di atas kepentingan pribadi, always prioritizing the Bank's interests
keluarga, kelompok maupun golongan. over personal, family, group, or class
Bank juga senantiasa memperhatikan interests. The Bank also consistently
kebijakan tentang anti korupsi seperti adheres to the anti-corruption policy,
yang tertulis dalam Undang Undang as stipulated in Law No. 20 of 2001
No. 20 Tahun 2001 tentang Perubahan concerning Amendments to Law No. 31
atas Undang-Undang No. 31 Tahun 1999 of 1999 concerning the Eradication of
tentang Pemberantasan Tindak Pidana Criminal Acts of Corruption.
Korupsi.
Prinsip-prinsip dari kebijakan anti The principles of the anti-bribery and
suap dan korupsi telah disusun dalam corruption policy have been established
Kode Etika Perilaku (Code of Conduct) in a Code of Conduct that outlines the
yang menjabarkan nilai-nilai yang Bank's values and establishes standards
dianut oleh Bank serta menetapkan of conduct for all Allo Bank employees.
standar perilaku seluruh jajaran Allo This Code serves as a statement of the
Bank dan sebagai salah satu bentuk Bank's principles and commitment to
pernyataan prinsip dan komitmen supporting anti-bribery and corruption
Bank dalam mendukung praktik anti practices, which are also categorized
suap dan korupsi yang dikategorikan as fraudulent acts. The implementation
juga sebagai tindakan kecurangan. of this Code of Conduct also aims to
Penerapan Kode Etik ini juga bertujuan protect the Bank and all employees from
untuk melindungi Bank dan seluruh negative impacts such as legal risks,
karyawan dari dampak negatif seperti financial losses, negative reputation and
risiko hukum, kerugian finansial, reputasi to maintain the trust of all shareholders,
negatif dan untuk menjaga kepercayaan stakeholders and the wider community.
seluruh pemegang saham, pemangku
kepentingan, dan masyarakat luas.
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Pelatihan/Sosialisasi Anti Korupsi terhadap Karyawan
Anti-Corruption Training/Dissemination for Employees
Dalam memberikan pemahaman dan pembekalan pengetahuan To provide understanding and knowledge regarding corruption
mengenai Korupsi beserta turunannya, Bank memberikan and its derivatives, the Bank provides regular training and
pelatihan dan sosialisasi bagi seluruh karyawan secara berkala. outreach to all employees. Through 2025, the dissemination
Selama tahun 2025, sosialisasi dan pelatihan terkait Anti and training related to anti-corruption/anti-fraud can be seen
Korupsi/Anti Fraud dapat dilihat pada tabel di bawah ini: in the table below:
Tanggal Pelatihan Nama Pelatihan Penyelenggara
No.
Date Training Organizer
1. 20 Februari, 29 April, 24 Juni, 30 Juli, 11 September, & 6 November Fraud Awareness (on Induction session) Anti Fraud Department
February 20, April 29, June 24, July 30, September 11, & November 6
2. 25 Agustus - 3 September Anti Fraud and Whistleblowing Quiz Anti Fraud Department
August 25 – September 3
Whistleblowing
System
● Whistleblowing System
Komitmen dan Kebijakan Dalam rangka mewujudkan penerapan To achieve comprehensive GCG
GCG yang komprehensif, Allo Bank telah implementation, Allo Bank has a
Perusahaan
memiliki Sistem Pelaporan Pelanggaran Whistleblowing System (WBS) to
Commitment and Policy atau Whistleblowing System (WBS) ensure compliance with company
untuk memastikan kepatuhan terhadap rules and regulations. The WBS
peraturan dan ketentuan di perusahaan. manages complaints regarding illegal
WBS merupakan sistem yang mengelola and unethical behavior confidentially,
pengaduan mengenai perilaku melawan anonymously, and independently. It is
hukum, perbuatan tidak etis yang dikelola used to optimize the participation of
secara rahasia, anonim, dan mandiri Bank personnel and other parties in
yang digunakan untuk mengoptimalkan disclosing violations within the company.
peran serta Insan Bank dan pihak lainnya
dalam mengungkapkan pelanggaran
yang terjadi di perusahaan.
Sistem pelaporan pelanggaran Allo Allo Bank's whistleblowing system
Bank dikelola secara independen dan is managed independently and
profesional, yang dapat digunakan oleh professionally and can be used by all
seluruh insan Bank maupun eksternal Bank personnel and external parties
yang mengetahui adanya indikasi who become aware of any indication
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Good Corporate Governance Sustainability Report Financial Statements
pelanggaran di lingkungan Bank. Penerapan WBS ini dilakukan of violations within the Bank. The WBS is implemented in
dengan mengacu kepada sejumlah ketentuan, antara lain: accordance with several provisions, including:
1. Peraturan OJK No. 55/POJK.03/2016 tentang Penerapan 1. OJK Regulation No. 55/POJK.03/2016 concerning the
Tata Kelola bagi Bank Umum. Implementation of Governance for Commercial Banks.
2. Peraturan OJK No. 12 tahun 2024 tentang Penerapan 2. OJK Regulation No. 12 of 2024 concerning the
Strategi Anti-Fraud bagi Lembaga Jasa Keuangan. Implementation of Anti-Fraud Strategies for Financial
Services Institutions.
Pengelola Whistleblowing System
Whistleblowing System Manager
Sistem pelaporan pelanggaran Bank dikelola secara profesional The Bank's fraud reporting system is professionally and
dan independen oleh Fraud Management. Dengan demikian, independently managed by Fraud Management. Therefore,
Fraud Management menjadi pihak yang bertanggung jawab Fraud Management is responsible for receiving and handling
untuk menerima dan menangani laporan pelanggaran terhadap reports of violations of the Bank's provisions, regulations, and
ketentuan, peraturan, maupun Kode Etik Bank. Seluruh Insan Code of Conduct. All Bank employees are required to report
Bank diwajibkan untuk melaporkan setiap dugaan pelanggaran any suspected violations through the provided WBS channel.
yang terjadi melalui kanal WBS yang telah disediakan.
Ruang Lingkup dan Cakupan Whistleblowing System
Scope and Coverage of Whistleblowing System
Sistem pelaporan pelanggaran berlaku bagi seluruh karyawan The whistleblowing system applies to all Allo Bank employees
Allo Bank di seluruh level jabatan serta bagi pihak eksternal at all levels, as well as to external parties who become aware
yang mengetahui adanya indikasi pelanggaran atau fraud di of any indications of violations or fraud within the Bank. The
lingkungan Bank. Penerapan WBS juga menjadi salah satu implementation of the WBS also demonstrates Allo Bank's
bukti nyata upaya Allo Bank untuk memastikan seluruh aspek efforts to ensure that all operational aspects comply with
operasional telah memenuhi aspek kepatuhan terhadap applicable provisions and regulations.
ketentuan dan peraturan yang berlaku.
Media Pelaporan
Reporting Media
Bank senantiasa memastikan perlindungan bagi Pelapor dengan The Bank consistently ensures the protection of whistleblowers
memastikan setiap laporan dijaga dan dijamin kerahasiaannya. by ensuring that each report is kept confidential. Parties who
Bagi pihak-pihak yang melihat atau mengetahui adanya indikasi observe or know of any indications of violations or fraud within
pelanggaran atau fraud di lingkungan Bank dapat mengirimkan the Bank can submit their reports through the Bank's WBS
laporannya melalui kanal WBS yang disediakan oleh Bank, channels, including:
antara lain:
E-mail: whistleblow@allobank.com Email: whistleblow@allobank.com
WhatsApp: 082208242401 WhatsApp: 082208242401
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Sosialisasi Whistleblowing System
Dissemination of Whistleblowing System
Dalam rangka memastikan kepatuhan terhadap Kode Etik dan To ensure compliance with the Code of Conduct and applicable
peraturan yang berlaku, Bank secara konsisten melakukan regulations, the Bank consistently disseminates the WBS to
sosialisasi WBS kepada Insan Bank melalui berbagai media its employees through various channels, including internal
seperti buletin internal dan surat elektronik kepada semua bulletins and emails to all employees. Externally, dissemination
karyawan. Sementara bagi pihak eksternal, sosialisasi dilakukan is conducted through the Bank's website and social media.
melalui website maupun media sosial Bank.
Mekanisme Pelaporan dan Penanganan Pelanggaran
Violation Reporting and Handling Mechanism
Mekanisme pelaporan dan penanganan pelanggaran di The reporting and handling mechanisms for violations within
lingkungan Bank dilakukan dengan cara sebagai berikut: the Bank are as follows:
1. Pelaporan kepada Human Capital 1. Reporting to Human Capital
2. Pelaporan melalui Whistleblowing System (WBS) 2. Reporting through the Whistleblowing System (WBS)
Perlindungan terhadap Pelapor
Protection for Whistleblowers
Bank senantiasa menjamin kerahasiaan informasi yang The Bank consistently guarantees the confidentiality of
disampaikan dalam laporan pelanggaran dan memberikan information submitted in reports of violations and provides
perlindungan penuh terhadap Pelapor, mencakup perlindungan full protection to Whistleblowers, including protection from all
dari segala bentuk intimidasi, diskriminasi, atau tindakan forms of intimidation, discrimination, or retaliation that could
balasan yang dapat merugikan Pelapor. Melalui langkah ini, harm the Whistleblower. Through these measures, the Bank
Bank percaya dapat menciptakan lingkungan yang aman believes it can create a safe environment for Whistleblowers
bagi pelapor untuk menyampaikan informasi terkait dugaan to submit information regarding alleged violations honestly and
pelanggaran secara jujur dan bertanggung jawab. responsibly.
Jumlah Pengaduan yang Masuk dan Diproses
Submitted and Processed Complaints
Di tahun 2025, Bank mendapatkan laporan yang masuk melalui In 2025, the Bank received reports, submitted through the
mekanisme WBS dengan rincian sebagai berikut: WBS mechanism with the following details:
Penjelasan Jumlah
Explanation Total
Jumlah pengaduan yang masuk 6
Submitted complaints
Terindikasi Fraud -
Indicated Fraud
Tidak terindikasi Fraud 6
Not indicated Fraud
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Kesesuaian Penerapan GCG
Allo Bank terhadap Pedoman Tata
Kelola Perusahaan Terbuka
● Conformity of Allo Bank GCG Implementation with
Governance Guidelines for Public Companies
Sebagai Perusahaan Terbuka, Allo Bank As a public company, Allo Bank is
berkomitmen menerapkan Pedoman committed to implementing the Public
Tata Kelola Perusahaan Terbuka yang Company Governance Guidelines,
mencakup 5 (lima) aspek, 8 (delapan) which cover five aspects, eight principles
prinsip Tata Kelola Perusahaan yang Baik, of Good Corporate Governance,
serta 25 (dua puluh lima) rekomendasi and twenty-five recommendations
penerapan aspek dan prinsip Tata Kelola for implementing these aspects and
Perusahaan yang Baik, sebagaimana principles, as stipulated in OJK Regulation
yang diatur dalam Peraturan OJK No. No. 21/POJK.04/2015 concerning the
21/POJK.04/2015 tentang Penerapan Implementation of Public Company
Pedoman Tata Kelola Perusahaan Governance Guidelines and OJK
Terbuka dan Surat Edaran OJK No. 32/ Circular Letter No. 32/SEOJK.04/2015
SEOJK.04/2015 tentang Pedoman Tata concerning the Guidelines for Public
Kelola Perusahaan Terbuka. Company Governance.
Penerapan Pedoman Tata Kelola The implementation of the Public
Perusahaan Terbuka di lingkup Bank Company Governance Guidelines within
pada tahun 2025 adalah sebagai the Bank in 2025 is as follows:
berikut:
Aspek I. Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin
Hak-hak Pemegang Saham
Aspect I. Relationship of Publicly Listed Company with Shareholders in Guaranteeing
Shareholders Rights
Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Complied or Explained
Prinsip 1 Perusahaan Terbuka memiliki cara Terpenuhi | Compliance
Meningkatkan Nilai atau prosedur teknis pengumpulan
Penyelenggaraan suara (voting) baik secara Bank memiliki prosedur teknis pemungutan suara yang terdapat dalam tata tertib
RUPS. terbuka maupun tertutup yang RUPS. Mekanisme pemungutan suara disediakan bagi pemegang saham yang hadir
mengedepankan independensi, dan secara fisik maupun secara elektronik melalui aplikasi eASY.KSEI.
Principle 1 kepentingan pemegang saham.
Increase the Value of Penghitungan hasil pemungutan suara dilakukan oleh pihak independen yaitu
GMS Holding. Public Company has technical Biro Administrasi Efek PT Datindo Entrycom dan Notaris Dharma Akhyuzi. Dengan
procedures for voting either open or demikian independensi dan kepentingan pemegang saham dapat terjaga dalam
closed that promote independence proses pemungutan suara tersebut.
and the interests of shareholders.
Tata Tertib RUPS dan tata cara voting di lokasi RUPS telah diunggah dalam situs web
Bank sebelum RUPS dan dibagikan kepada pemegang saham saat memasuki ruang
RUPS, serta dibacakan pada saat RUPS dimulai.
The Bank has technical voting procedures as outlined in the GMS rules of procedure.
Voting mechanisms are available to shareholders present in person or electronically
through the eASY.KSEI application.
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Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Complied or Explained
The vote count is conducted by independent parties, namely the Securities
Administration Bureau, PT Datindo Entrycom, and Notary Dharma Akhyuzi. This
ensures that shareholder independence and interests are safeguarded during the
voting process.
The GMS rules of procedure and voting procedures at the GMS location were
uploaded to the Bank's website prior to the GMS and distributed to shareholders upon
entering the GMS room. They were also read aloud at the commencement of the GMS.
Seluruh anggota Direksi dan Terpenuhi | Complied
anggota Dewan Komisaris
Perusahaan Terbuka hadir dalam Seluruh anggota Direksi dan Dewan Komisaris Bank hadir dalam RUPST tanggal 10
RUPST. April 2025 dan dapat mewakili Bank untuk memberikan penjelasan kepada pemegang
saham atas setiap agenda RUPST.
All members of the Board of
Directors and members of the All members of the Bank's Board of Directors and Board of Commissioners were
Board of Commissioners of the present at the AGMS on April 10, 2025, and were able to represent the Bank in
Public Company were present at providing explanations to shareholders regarding each AGMS agenda item.
the AGMS.
Ringkasan risalah RUPS tersedia Terpenuhi | Complied
dalam Situs Web Perusahaan
Terbuka paling sedikit selama 1 Bank mengunggah Ringkasan Risalah RUPS seusai penyelenggaraan RUPS ke situs
(satu) tahun. web Bank dengan mematuhi ketentuan yang berlaku. Ringkasan Risalah RUPS
tersedia di situs web Bank, baik dalam bahasa Indonesia maupun bahasa Inggris.
A summary of the minutes of the
GMS is available on the Public The Bank uploads the Summary of the Minutes of the GMS to its website following the
Company Website for at least 1 GMS, in compliance with applicable regulations. The Summary of the Minutes of the
(one) year. GMS is available on the Bank's website in both Indonesian and English.
Prinsip 2 Perusahaan Terbuka memiliki suatu Terpenuhi | Complied
Meningkatkan kebijakan komunikasi dengan
Kualitas Komunikasi pemegang saham atau investor. Bank memiliki berbagai platform komunikasi kepada pemegang saham. Komunikasi
Perusahaan Terbuka yang dilakukan oleh Bank diantaranya melalui pelaksanaan RUPS, Paparan Publik
dengan Pemegang Public Company has a (Public Expose), publikasi Laporan Keuangan Bulanan, Triwulanan dan Tahunan,
Saham atau Investor. communication policy with Laporan Eksposur Risiko dan Permodalan, serta melakukan keterbukaan informasi
shareholders or investors. secara akurat dan tepat waktu. Bank juga menyediakan informasi alamat kantor pusat
Principle 2 dan cabang, alamat e-mail dan nomor telepon baik dalam situs web maupun Laporan
Increase the Quality Tahunan, akun Media Sosial, dan Contact Center sebagai sarana bagi pemegang
of Public Company’s saham maupun stakeholders lainnya agar dapat melakukan komunikasi dengan Bank
Communications secara mudah.
with Shareholders or
Investors. The Bank has various communication platforms for shareholders. These
communications include holding General Meetings of Shareholders (GMS), Public
Exposes, publication of Monthly, Quarterly, and Annual Financial Reports, Risk
Exposure and Capitalization Reports, and accurate and timely information disclosure.
The Bank also provides head office and branch addresses, email addresses, and
telephone numbers on its website and in its Annual Report, social media accounts,
and a Contact Center to facilitate communication between shareholders and other
stakeholders.
Perusahaan Terbuka Terpenuhi | Complied
mengungkapkan kebijakan
komunikasi Perusahaan Terbuka Bank menyediakan akses keterbukaan informasi melalui situs web resmi Perusahaan.
dengan pemegang saham atau
investor dalam Situs Web. The Bank provides access to information disclosure through the Company's official
website.
Public Company discloses
communication policy with
shareholders or investors on the
Website.
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Aspek II. Fungsi dan Peran Dewan Komisaris
Aspect II. Function and Role of the Board of Commissioners
Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Complied or Explained
Prinsip 3 Penentuan jumlah anggota Dewan Terpenuhi | Complied
Memperkuat Komisaris mempertimbangkan
Keanggotaan dan kondisi Perusahaan Terbuka. Bank telah memenuhi ketentuan yang berlaku bagi Perusahaan berdasarkan POJK
Komposisi Dewan No. 33/POJK.04/2014. Jumlah anggota Dewan Komisaris Bank berjumlah 3 orang,
Komisaris. Determination of the number dimana 2 orang di antaranya merupakan Komisaris Independen. Jumlah anggota
of the Board of Commissioners Dewan Komisaris Bank tidak melebihi jumlah anggota Direksi.
Principle 3 members has considered the Public
Strengthen Company’s condition. The Bank has complied with the applicable regulations for companies under POJK No.
Membership and 33/POJK.04/2014. The Bank's Board of Commissioners consists of three members,
Composition two of whom are Independent Commissioners. The number of members on the Bank's
of the Board of Board of Commissioners does not exceed the number of members on the Board of
Commissioners. Directors.
Penentuan komposisi anggota Terpenuhi | Complied
Dewan Komisaris memperhatikan
keragaman keahlian, pengetahuan, Dewan Komisaris Bank memiliki latar belakang yang beragam dalam hal keahlian,
dan pengalaman yang dibutuhkan. pengetahuan dan pengalaman yang saling melengkapi dan bertujuan untuk
mendukung perkembangan bisnis Bank. Hal tersebut dapat dilihat dari profil masing-
Determining the composition masing Dewan Komisaris.
of the members of the Board of
Commissioners takes into account The Bank's Board of Commissioners has diverse backgrounds in terms of
the diversity of skills, knowledge complementary expertise, knowledge, and experience, aimed at supporting the Bank's
and experience required. business development. This can be seen in the profiles of each Commissioner.
Prinsip 4 Dewan Komisaris mempunyai Terpenuhi | Complied
Meningkatkan Kualitas kebijakan penilaian sendiri (self-
Pelaksanaan Tugas assessment) untuk menilai kinerja Kebijakan penilaian kinerja Dewan Komisaris dan Komite di tingkat Dewan Komisaris
dan Tanggung Jawab Dewan Komisaris. telah diatur dalam Piagam Komite Remunerasi dan Nominasi yang dapat diakses
Dewan Komisaris. melalui situs web Bank, serta diungkapkan dalam Bab Laporan Tata Kelola Perusahaan
The Board of Commissioners has pada Laporan Tahunan ini.
Principle 4 its own self-assessment policy to
Enhance the assess the performance of the The performance assessment policy for the Board of Commissioners and Committees
Quality of Board of Board of Commissioners. within the Board of Commissioners is stipulated in the Remuneration and Nomination
Commissioners Duties Committee Charter, which can be accessed through the Bank's website and is
and Responsibilities disclosed in the Corporate Governance Report chapter of this Annual Report.
Implementation.
Kebijakan penilaian sendiri (self- Terpenuhi | Complied
assessment) untuk menilai kinerja
Dewan Komisaris, diungkapkan Kebijakan penilaian kinerja Dewan Komisaris telah diatur dalam Piagam Komite
melalui Laporan Tahunan Remunerasi dan Nominasi, serta diungkapkan dalam Bab Laporan Tata Kelola
Perusahaan Terbuka. Perusahaan pada Laporan Tahunan ini.
The self-assessment policy for The Board of Commissioners' performance assessment policy is stipulated in the
assessing the performance of Remuneration and Nomination Committee Charter and disclosed in the Corporate
the Board of Commissioners is Governance Report chapter of this Annual Report.
disclosed through the Annual
Report of the Public Company.
Dewan Komisaris mempunyai Terpenuhi | Complied
kebijakan terkait pengunduran diri
anggota Dewan Komisaris apabila Piagam Dewan Komisaris Bank telah mengatur bagi anggota Dewan Komisaris yang
terlibat dalam kejahatan keuangan. terlibat dalam kejahatan keuangan dan/atau tindak pidana lainnya agar mengundurkan
diri dari jabatannya.
The Board of Commissioners has
a policy regarding the resignation The Bank's Board of Commissioners Charter stipulates that members of the Board of
of members of the Board of Commissioners involved in financial crimes and/or other criminal acts must resign from
Commissioners if they are involved their positions.
in financial crimes.
Dewan Komisaris atau Komite yang Terpenuhi | Complied
menjalankan fungsi Remunerasi
dan Nominasi menyusun kebijakan Kebijakan suksesi telah diatur dalam Piagam Komite Remunerasi dan Nominasi.
suksesi dalam proses Nominasi Nominasi anggota Dewan Komisaris, Direksi, dan Pihak Independen sebagai anggota
anggota Direksi. Komite Dewan Komisaris serta diungkapkan juga dalam Laporan Tahunan ini.
The Board of Commissioners or The succession policy is stipulated in the Remuneration and Nomination Committee
Committee that carries out the Charter. Nominations for members of the Board of Commissioners, Directors, and
Remuneration and Nomination Independent Parties to the Board of Commissioners Committee are also disclosed in
function prepares a succession this Annual Report.
policy in the process of Nominating
members of the Board of Directors.
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Aspek III. Fungsi dan Peran Direksi
Aspect III. Function and Role of the Board of Directors
Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Complied or Explained
Prinsip 5 Penentuan jumlah anggota Direksi Terpenuhi | Complied
Memperkuat mempertimbangkan kondisi
Keanggotaan dan Perusahaan Terbuka serta efektivitas Proses nominasi anggota Direksi Bank dilakukan dengan mempertimbangkan Kondisi
Komposisi Direksi. dalam pengambilan keputusan. keuangan dan kemampuan Bank serta kebutuhan organisasi dan kompleksitas Bank.
Direksi Bank berjumlah 3 orang atau sama dengan jumlah anggota Dewan Komisaris.
Principle 5 Determination of the number of
Strengthening the the Board of Directors members The nomination process for members of the Bank's Board of Directors is conducted
Membership and has considered Public Company's by considering the Bank's financial condition and capabilities, as well as the Bank's
Composition of the condition and effectiveness in organizational needs and complexity. The Bank's Board of Directors consists of three
Board of Directors. decision making. members, equal to the number of members of the Board of Commissioners.
Penentuan komposisi anggota Terpenuhi | Complied
Direksi memperhatikan keragaman
keahlian, pengetahuan, dan Direksi Bank memiliki latar belakang yang beragam dalam hal keahlian, pengetahuan
pengalaman yang dibutuhkan. dan pengalaman yang bersifat saling melengkapi, dengan jumlah anggota Direksi
sesuai dengan kebutuhan, ukuran, dan kompleksitas usaha Bank. Keberagaman
Determination of the composition tersebut dapat dilihat dari profil masing-masing Direksi.
of Board of Directors members
has considered diversity of skills, The Bank's Board of Directors has diverse backgrounds in terms of complementary
knowledge, and experience needed. expertise, knowledge, and experience, with the number of Board members
commensurate with the needs, size, and complexity of the Bank's business. This
diversity is reflected in the profiles of each Director.
Anggota Direksi yang membawahi Terpenuhi | Complied
bidang akuntansi atau keuangan
memiliki keahlian dan/atau Direktur Keuangan, Operasional & Human Capital sebelumnya menjabat berbagai
pengetahuan di bidang akuntansi. posisi senior dalam beragam aspek operasional Bank dan telah memenuhi kriteria
memiliki keahlian dan/atau pengetahuan di bidang akuntansi dan/atau keuangan.
Board of Directors Member in
charge of accounting or finance The Director of Finance, Operations & Human Capital previously held various senior
has expertise and/or knowledge in positions in various aspects of the Bank's operations and has met the criteria for
accounting. expertise and/or knowledge in accounting and/or finance.
Prinsip 6 Direksi mempunyai kebijakan Terpenuhi | Complied
Meningkatkan Kualitas penilaian sendiri (self-assessment)
Pelaksanaan Tugas untuk menilai kinerja Direksi. Kebijakan penilaian kinerja Direksi telah diatur dalam Piagam Komite Remunerasi dan
dan Tanggung Jawab Nominasi, yang dapat diakses melalui situs web Bank.
Direksi. Board of Directors has its own self-
assessment policy to assess their The Board of Directors' performance assessment policy is regulated in the
Principle 6 performance. Remuneration and Nomination Committee Charter, which can be accessed through
Enhance the the Bank's website.
Quality of Board
Kebijakan penilaian sendiri (self- Terpenuhi | Complied
of Directors Duties
assessment) untuk menilai kinerja
and Responsibilities
Direksi diungkapkan melalui laporan Kebijakan penilaian kinerja Direksi telah diatur dalam Piagam Komite Remunerasi dan
Implementation
tahunan Perusahaan Terbuka. Nominasi, serta diungkapkan pada Bab Laporan Tata Kelola Perusahaan di Laporan
Tahunan ini.
The self-assessment policy for
assessing the performance of the The Board of Directors' performance assessment policy is stipulated in the
Board of Directors is disclosed in Remuneration and Nomination Committee Charter and disclosed in the Corporate
the annual report of the Public Governance Report chapter of this Annual Report.
Company.
Direksi mempunyai kebijakan terkait Terpenuhi | Complied
pengunduran diri anggota Direksi
apabila terlibat dalam kejahatan Piagam Direksi Bank telah mengatur bagi anggota Direksi yang terlibat dalam
keuangan. kejahatan keuangan dan/atau tindak pidana lainnya agar mengundurkan diri dari
jabatannya.
The Board of Directors has a policy
regarding the resignation of Board The Bank's Board of Directors Charter stipulates that members of the Board of
of Directors members if they are Directors involved in financial crimes and/or other criminal acts must resign from their
involved in financial crimes. positions.
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Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
Aspek IV: Partisipasi Pemangku Kepentingan
Aspect IV: Stakeholders' Participation
Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Complied or Explained
Prinsip 7 Perusahaan Terbuka memiliki Terpenuhi | Complied
Meningkatkan kebijakan untuk mencegah
Aspek Tata Kelola terjadinya insider trading. Untuk mencegah terjadinya Insider Trading, Bank telah memiliki kebijakan dan
Perusahaan melalui melakukan pengecekan kepatuhan terhadap aktivitas bisnis, operasional dan
Partisipasi Pemangku Public Company has a policy to bidang-bidang lainnya yang penting termasuk kepatuhan terhadap aturan Larangan
Kepentingan. prevent insider trading. Perdagangan dengan informasi orang dalam.
Principle 7 To prevent insider trading, the Bank has policies in place and conducts compliance
Improve Corporate checks on business activities, operations, and other critical areas, including
Governance Aspect compliance with the Prohibition on Trading with Insider Information.
through Stakeholders’
Perusahaan Terbuka memiliki Terpenuhi | Complied
participation.
kebijakan anti korupsi dan anti
fraud. Bank telah memiliki Unit Anti Fraud yang bertugas merumuskan kerangka kerja, tata
kelola, dan penerapan strategi anti korupsi dan anti-fraud. Penjelasan lebih lanjut
Public Company has anticorruption mengenai peran unit Anti Fraud telah diungkapkan pada Bab Laporan Tata Kelola
and anti-fraud policy. Perusahaan di Laporan Tahunan ini.
The Bank has an Anti-Fraud Unit tasked with formulating the framework, governance,
and implementation of anti-corruption and anti-fraud strategies. Further explanation of
the Anti-Fraud Unit's role is provided in the Corporate Governance Report chapter of
this Annual Report.
Perusahaan Terbuka memiliki Terpenuhi | Complied
kebijakan tentang seleksi dan
peningkatan kemampuan pemasok Bank telah memiliki Kebijakan tentang kualifikasi, verifikasi, dan evaluasi hubungan
atau vendor. dengan pemasok. Di samping itu, Kode Etik juga menegaskan aturan mengenai
hubungan tersebut.
Public Companies have policies
regarding the selection and The Bank has a policy regarding the qualification, verification, and evaluation of
improvement of supplier or vendor supplier relationships. In addition, the Code of Ethics also outlines the rules regarding
capabilities. these relationships.
Perusahaan Terbuka memiliki Terpenuhi | Complied
kebijakan tentang pemenuhan hak-
hak kreditur. Pemenuhan hak-hak kreditur diatur secara rinci dalam Perjanjian Kredit yang dibuat
antara Bank dengan Kreditur.
Public Companies have policies
regarding the fulfillment of creditors' The fulfillment of creditor rights is regulated in detail in the Credit Agreement between
rights. the Bank and the Creditor.
Perusahaan Terbuka memiliki Terpenuhi | Complied
kebijakan sistem Whistleblowing.
Bank telah memiliki Kebijakan dan sistem Pelaporan pelanggaran (Whistleblowing
Public Companies have a System) yang telah diunggah dalam situs web Bank dan diungkapkan lebih lanjut pada
Whistleblowing system policy. Bab Laporan Tata Kelola Perusahaan di Laporan Tahunan ini.
The Bank has a Whistleblowing Policy and System, which has been uploaded to the
Bank's website and is further disclosed in the Corporate Governance Report chapter of
this Annual Report.
Perusahaan Terbuka memiliki Terpenuhi | Complied
kebijakan pemberian insentif
jangka panjang kepada Direksi dan Bank memiliki kebijakan pemberian insentif jangka panjang yang tertuang dalam
karyawan. kebijakan internal.
Public Companies have a policy of The Bank has a long-term incentive policy outlined in its internal policies.
providing long-term incentives to
Directors and employees.
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Aspek V. Keterbukaan Informasi
Aspect V. Information Disclosure
Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Complied or Explained
Prinsip 8 Perusahaan Terbuka memanfaatkan Terpenuhi | Complied
Meningkatkan penggunaan teknologi informasi
Pelaksanaan secara lebih luas selain Situs Bank menggunakan media sosial, situs web resmi Perusahaan dan situs/platform BEI
Keterbukaan Informasi. Web sebagai media keterbukaan sebagai sebagai saluran media untuk keterbukaan informasi. Penjelasan lebih lanjut
informasi. mengenai Akses Informasi dan Data Perusahaan telah diungkapkan dalam Laporan
Principle 8 Tahunan ini.
Improve the Public Company utilizes the
Implementation of information technology more widely The Bank uses social media, the Company's official website, and the IDX website/
Information Disclosure. in addition to the website as a platform as channels for information disclosure. Further details regarding Access to
media for information disclosure. Company Information and Data are disclosed in this Annual Report.
Laporan Tahunan Perusahaan Terpenuhi | Complied
Terbuka mengungkapkan pemilik
manfaat akhir dalam kepemilikan Bank mengungkapkan pemilik manfaat akhir dalam kepemilikan saham Perusahaan
saham Perusahaan Terbuka paling sebagaimana tercantum dalam Laporan Tahunan ini.
sedikit 5% (lima persen), selain
pengungkapan pemilik manfaat The Bank discloses the ultimate beneficial owners of the Company's shares as stated in
akhir dalam kepemilikan saham this Annual Report.
Perusahaan Terbuka melalui
pemegang saham utama dan
pengendali.
The Public Company Annual Report
discloses the ultimate beneficial
owners in the ownership of shares
in the Public Company of at least
5% (five percent), in addition to
disclosing the ultimate beneficial
owners in the ownership of shares
in the Public Company through
major and controlling shareholders.
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480
Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
Transparansi Praktik
Bad Governance
● Transparency of Bad Governance Practice
Selama tahun 2025, berikut adalah During 2025, the following are the
kesesuaian tindakan ataupun kebijakan appropriate actions or policies related to
yang berkaitan dengan praktik Bad Bad Corporate Governance practices in
Corporate Governance selaras dengan line with the Bank's efforts to implement
upaya Bank untuk menerapkan Good Corporate Governance as
Tata Kelola Perusahaan yang Baik reflected in the table below:
sebagaimana tercermin pada tabel di
bawah ini:
Praktik Keterangan
No.
Practice Description
1 Laporan atas aktivitas Perseroan yang mencemari lingkungan
Reports on the Company's activities that pollute the environment
×
2 Perkara penting yang sedang dihadapi oleh Perseroan, entitas anak, anggota Direksi dan/atau anggota Dewan
Komisaris yang sedang menjabat tidak diungkapkan dalam Laporan Tahunan
×
Important cases being faced by the Company, its subsidiaries, members of the Board of Directors and/or
members of the Board of Commissioners who are currently serving are not disclosed in the Annual Report
3 Ketidakpatuhan dalam pengungkapan pemenuhan kewajiban perpajakan
Non-compliance in disclosing the tax obligations fulfillment
×
4 Ketidaksesuaian penyajian Laporan Tahunan dengan peraturan yang berlaku
Inconsistency in the presentation of the Annual Report with applicable regulations
×
5 Tidak terdapat pengungkapan segmen operasi pada Laporan Keuangan
There is no disclosure of operating segments in the Financial Report
×
6 Kasus terkait buruh dan karyawan
Cases related to workers and employees
×
7 Ketidaksesuaian antara Buku Laporan Tahunan dengan Laporan Tahunan Digital
Incompatibility between the Annual Report Book and the Digital Annual Report
×
Keterangan | Description:
✓ = ada | yes
× = tidak ada | nothing
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Laporan
06
Keberlanjutan
Sustainability
Report
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Ikhtisar Kinerja
Keberlanjutan 2025
● 2025 Sustainable Performance Highlights
Deskripsi Satuan
2025 2024 2023
Description Unit
Kinerja Aspek Ekonomi [OJK B.1]
Economic Aspect Performance [OJK B.1]
Pendapatan Operasional Bank* Juta Rupiah 1.961.863 1.446.728 1.159.330
Bank Operating Income* Millions of Rupiah
Laba (Rugi) Bersih Bank* Juta Rupiah 574.261 467.106 444.566
Bank Net Income (Loss)* Millions of Rupiah
Kinerja Aspek Ekonomi Terkait Keberlanjutan
Economic Aspect Performance Related to Sustainability
Jenis Produk yang Memenuhi Kriteria Kegiatan Usaha Unit produk - - -
Berkelanjutan (KKUB) Product Unit
Type of Products that Meet the Sustainable Business
Activities Criteria (KKUB)
Nominal Produk dan/atau Jasa yang Memenuhi Jutaan Rupiah - - -
Kriteria Kegiatan Usaha Berkelanjutan (KKUB) Millions of Rupiah
Nominal of Products and/or Services that Meet the
Sustainable Business Activities Criteria (KKUB)
Persentase total portofolio kegiatan usaha berkelanjutan terhadap total portofolio (%):
Percentage of Total Portfolio of Sustainable Business Activities Compared to Total Portfolio (%):
A. Penghimpunan Dana Persen - - -
Fundrasing Percent
B. Penyaluran Dana Persen - - -
Fund Distribution Percent
Kinerja Keuangan Inklusif**
Inclusive Financial Performance**
Perkembangan Laku Pandai:
Laku Pandai Development:
A. Jumlah Agen Agen - - -
Total Agents Agents
B. Nominal Produk dan/atau Jasa yang Disediakan Jutaan Rupiah - - -
oleh Agen Millions of Rupiah
Nominal of Products and/or Services Provided
by Agents
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Tata Kelola Perusahaan yang Baik
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Deskripsi Satuan
2025 2024 2023
Description Unit
Kinerja Aspek Lingkungan [OJK B.2]
Environmental Aspect Performance [OJK B.2]
Biaya penggunaan BBM Jutaan Rupiah 275 368 225
Fuel Costs Millions of Rupiah
Biaya penggunaan listrik Jutaan Rupiah 3.458 972 179
Electricity Costs Millions of Rupiah
Biaya Penggunaan Air Jutaan Rupiah 114 90 50
Water Costs Millions of Rupiah
Dana/CSR Bidang Lingkungan Jutaan Rupiah 281 215 195
Cost/CSR in Environmental Aspects Millions of Rupiah
Kinerja Aspek Sosial [OJK B.3]
Social Aspect Performance [OJK B.3]
Jumlah Bidang Lingkungan Pria (Orang) 349 302 233
Total Employees Male (People)
Wanita (Orang) 189 173 147
Pengurus Kantor Pusat Bank Berdasarkan Jenis Pria (Orang) 20 23 23
Kelamin Male (People)
Bank’s Head Office Management Based on
Gender Wanita (Orang) 7 8 8
Female (People)
Kepala Kantor Cabang Berdasarkan Jenis Kelamin Pria (Orang) 2 2 2
Heads of Branch Offices Based on Gender Male (People)
Wanita (Orang) 0 0 0
Female (People)
* Data diambil dari Laporan Tahunan Bank | This data is taken from the Bank’s Annual Report
** Data diambil dari Laporan Laku Pandai | This data is taken from the Laku Pandai Annual Report
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Penjelasan
Direksi
● Board of Directors' Explanation [OJK D.1]
Komitmen manajemen dan
karyawan Allo Bank dalam
menjalankan Rencana
Bisnis Bank 2025 meraih The commitment of Allo Bank’s
management and employees to
kinerja positif dengan
implementing the Bank’s 2025
pertumbuhan pendapatan, Business Plan has yielded positive
DPK, pembiayaan, dan laba results, with significant growth
in revenue, customer deposits,
bersih yang signifikan. financing, and net profit.
Puji syukur kami haturkan kepada Tuhan Yang We extend our gratitude to God Almighty
Pemegang Maha Esa, atas rahmat dan karunia-Nya, PT for His grace and blessings, which have
Saham dan Allo Bank Indonesia Tbk berhasil menutup enabled PT Allo Bank Indonesia Tbk to close
Pemangku tahun 2025 dengan pencapaian kinerja the fiscal year 2025 with commendable
Kepentingan
yang membanggakan. Sepanjang tahun performance achievements. Throughout the
yang Terhormat,
berjalan, jumlah nasabah juga menunjukkan year, the number of customers increased
Dear peningkatan signifikan, yang mencerminkan significantly, reflecting the growing public
Shareholders kepercayaan masyarakat yang terus tumbuh trust in Allo Bank’s banking products and
and terhadap layanan dan produk perbankan services. This increase in customers was
Stakeholders, Allo Bank. Kenaikan jumlah nasabah ini juga accompanied by growth in interest income,
sejalan dengan pertumbuhan pendapatan net operating income, net profit, and total
bunga, pendapatan operasional neto, assets—demonstrating the consistency and
laba bersih, dan total aset, yang menjadi effectiveness of management’s strategy as
bukti konsistensi dan ketepatan strategi well as the dedication of all employees in
manajemen serta dedikasi seluruh karyawan executing the Company’s strategic initiatives.
dalam menjalankan inisiatif strategis
perusahaan.
Secara keseluruhan, total aset mencapai Overall, total assets achieved the targets set
target yang telah ditetapkan, begitu pula at the beginning of the year, as did third-
dengan dana pihak ketiga, pendapatan party funds, operating income, and net profit.
operasional, dan laba bersih. Pencapaian ini These achievements underscore Allo Bank’s
menunjukkan kemampuan Allo Bank dalam ability to sustain growth while optimizing
menjaga pertumbuhan yang berkelanjutan operational efficiency. Although interest
Laporan Tahunan & Laporan Keberlanjutan ● 2025 PT ALLO BANK INDONESIA TBK
Page 489
Ari
Yanuanto
Asah
Plt.Direktur Utama
Acting President
Director
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sekaligus mengoptimalkan efisiensi operasional. Meskipun expenses, operating expenses, and impairment losses on
terdapat peningkatan beban bunga, biaya operasional, dan financial assets increased compared to the previous year, the
biaya kerugian penurunan nilai aset keuangan dibanding Bank’s earnings and revenue performance continue to reflect a
tahun sebelumnya, pencapaian laba dan pendapatan tetap strong financial foundation.
mencerminkan fondasi keuangan yang kuat.
Keberhasilan sepanjang tahun 2025 ini merupakan refleksi dari The success achieved throughout 2025 represents the
sinergi antara manajemen yang visioner dan karyawan yang synergy between visionary leadership and highly committed
berdedikasi tinggi. Semua capaian tersebut mendorong Allo employees. These accomplishments further motivate Allo
Bank untuk terus meningkatkan kualitas layanan, memperluas Bank to continuously enhance service quality, expand its
jangkauan produk, serta menghadirkan nilai tambah bagi product offerings, and create added value for customers and
nasabah dan pemangku kepentingan. Dengan optimisme stakeholders. With strong optimism, we look ahead to the
yang tinggi, kami menyongsong tahun-tahun berikutnya untuk coming years to sustain our growth momentum and strengthen
mempertahankan momentum pertumbuhan dan memperkuat Allo Bank’s position as one of Indonesia’s leading banking
posisi Allo Bank sebagai salah satu lembaga perbankan institutions.
terkemuka di Indonesia.
Dukungan Allo Bank terhadap Keuangan Allo Bank’s Support for Sustainable Finance
Berkelanjutan
Indonesia berkomitmen untuk melaksanakan pembangunan Indonesia is committed to implementing sustainable
berkelanjutan sesuai amanat perundang-undangan, terutama development in accordance with prevailing laws and regulations,
Undang-Undang No. 32 Tahun 2009 tentang Perlindungan dan particularly Law No. 32 of 2009 on Environmental Protection
Pengelolaan Lingkungan Hidup. Pembangunan berkelanjutan and Management. Sustainable development is defined as
didefinisikan sebagai upaya yang terencana dan sadar untuk a planned and conscious effort to integrate environmental,
mengintegrasikan aspek lingkungan, sosial, dan ekonomi ke social, and economic aspects into development strategies to
dalam strategi pembangunan, dengan tujuan memastikan ensure environmental sustainability as well as the welfare and
keberlanjutan lingkungan serta kesejahteraan dan kualitas quality of life of present and future generations. Within this
hidup generasi sekarang dan mendatang. Dalam kerangka framework, the Government has issued various regulations,
ini, pemerintah telah menerbitkan berbagai regulasi, termasuk including Financial Services Authority Regulation No. 51/
Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 POJK.03/2017 concerning the Implementation of Sustainable
tentang Penerapan Keuangan Berkelanjutan Bagi Lembaga Finance for Financial Services Institutions, Issuers, and Public
Jasa Keuangan, Emiten, dan Perusahaan Publik atau POJK Companies (POJK on Sustainable Finance). This regulation
Keuangan Berkelanjutan. Regulasi ini mewajibkan Allo Bank requires Allo Bank, as a public company, to implement
sebagai perusahaan publik untuk menerapkan prinsip-prinsip sustainable finance principles effective 1 January 2021, thereby
keuangan berkelanjutan mulai 1 Januari 2021 sehingga promoting economic growth that balances economic, social,
mendorong pertumbuhan ekonomi yang seimbang antara and environmental interests.
kepentingan ekonomi, sosial, dan lingkungan.
Dukungan Allo Bank terhadap keuangan berkelanjutan Allo Bank’s support for sustainable finance is realized through
diwujudkan melalui penyusunan Rencana Aksi Keuangan the formulation of its Sustainable Finance Action Plan
Berkelanjutan (RAKB), yang menjadi bagian integral dari Rencana (RAKB), which forms an integral part of the Bank’s Business
Bisnis Bank. Melalui RAKB, Allo Bank merumuskan program, Plan. Through the RAKB, Allo Bank establishes programs,
kebijakan, dan inisiatif strategis untuk mengimplementasikan policies, and strategic initiatives to implement sustainable
prinsip keuangan berkelanjutan, termasuk pengalokasian finance principles, including the allocation of funds to finance
dana untuk membiayai program Tanggung Jawab Sosial dan Corporate Social and Environmental Responsibility (TJSL)
Lingkungan (TJSL). Selain itu, operasional kantor yang berbasis programs. Furthermore, the Bank’s digitally based office
digital dirancang ramah lingkungan dengan penggunaan operations are designed to be environmentally friendly,
energi lebih efisien, emisi lebih rendah, pemanfaatan air featuring more efficient energy use, lower emissions, optimized
yang optimal, serta pengurangan limbah. Upaya ini juga water utilization, and waste reduction. These efforts are
didukung oleh pengembangan produk dan layanan keuangan also supported by the development of sustainable financial
berkelanjutan, edukasi nasabah, serta adopsi delapan prinsip products and services, customer education initiatives, and the
panduan keberlanjutan, mulai dari investasi bertanggung jawab adoption of eight guiding sustainability principles, ranging from
hingga koordinasi dan kolaborasi dengan berbagai pihak. responsible investment to coordination and collaboration with
various stakeholders.
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Budaya keberlanjutan menjadi landasan bagi seluruh aktivitas A culture of sustainability serves as the foundation for all
dan pengambilan keputusan di Allo Bank. Untuk mendapatkan activities and decision-making processes at Allo Bank. To
hasil terbaik, Allo Bank secara aktif mensosialisasikan budaya ini achieve optimal outcomes, the Bank actively promotes this
melalui situs resmi, media sosial, pertemuan internal maupun culture through its official website, social media platforms,
eksternal, serta kolaborasi dengan mitra kerja dan masyarakat. internal and external meetings, as well as collaborations with
Dalam praktiknya, budaya keberlanjutan diwujudkan melalui business partners and the broader community. In practice, this
layanan yang setara kepada nasabah, penghormatan sustainability culture is reflected in equal service to customers,
terhadap hak asasi manusia, program CSR, kantor ramah respect for human rights, CSR programs, environmentally
lingkungan, dan penciptaan lingkungan kerja yang aman dan friendly offices, and the creation of a safe and healthy work
sehat sesuai prinsip Kesehatan dan Keselamatan Kerja (K3). environment in accordance with Occupational Health and
Dengan pendekatan menyeluruh ini, Allo Bank menegaskan Safety (OHS) principles. Through this comprehensive approach,
komitmennya untuk menjadi lembaga keuangan yang tidak Allo Bank reaffirms its commitment to becoming a financial
hanya mengedepankan kinerja, tetapi juga keberlanjutan bagi institution that prioritizes not only performance, but also long-
masyarakat dan lingkungan. term sustainability for society and the environment.
Kebijakan Allo Bank untuk Merespons Tantangan Allo Bank’s Policy in Responding to Challenges in
dalam Pemenuhan Strategi Keberlanjutan Achieving Its Sustainability Strategy
Pada tahun 2025, industri perbankan Indonesia berada dalam In 2025, Indonesia’s banking industry operates within an
lanskap yang semakin dinamis akibat percepatan transformasi increasingly dynamic landscape driven by accelerated digital
digital, perubahan perilaku konsumen, serta tekanan global transformation, shifting consumer behavior, and complex
yang kompleks. Dalam konteks tersebut, Allo Bank merespons global pressures. In this context, Allo Bank responds to these
tantangan dengan memperkuat arah kebijakan keberlanjutan challenges by strengthening sustainability policies that are
yang terintegrasi dengan strategi bisnis digitalnya. Transformasi fully integrated with its digital business strategy. Technological
teknologi seperti pemanfaatan kecerdasan buatan (AI), transformation—such as the utilization of Artificial Intelligence
blockchain, serta penguatan infrastruktur dan keamanan siber (AI), blockchain, and the enhancement of infrastructure and
menjadi bagian penting dalam memastikan operasional Bank cybersecurity—forms a critical component in ensuring that
tetap andal, aman, dan adaptif terhadap kebutuhan nasabah the Bank’s operations remain reliable, secure, and adaptive to
yang terus berkembang. evolving customer needs.
Di tengah ketidakpastian ekonomi global dan meningkatnya Amid global economic uncertainty and heightened risks arising
risiko akibat dinamika geopolitik serta fluktuasi harga komoditas, from geopolitical dynamics and commodity price volatility,
Allo Bank menempatkan prinsip kehati-hatian sebagai fondasi Allo Bank places prudence at the core of its risk management
pengelolaan risiko. Tekanan terhadap kualitas aset dan potensi framework. Pressure on asset quality and the potential increase
peningkatan risiko kredit diantisipasi melalui pendekatan selektif in credit risk are addressed through a selective approach to
dalam ekspansi pembiayaan. Allo Bank memilih untuk menahan financing expansion. Rather than pursuing aggressive credit
laju pertumbuhan kredit secara agresif dan lebih berfokus pada growth, Allo Bank adopts a measured growth strategy, focusing
pembiayaan berbasis ekosistem digital, seperti paylater dan on ecosystem-based financing such as paylater services and
kredit digital terintegrasi, guna menjaga kualitas aset sekaligus integrated digital lending. This approach enables the Bank
mendukung pertumbuhan yang sehat dan berkelanjutan. to safeguard asset quality while supporting sustainable and
healthy growth.
Sebagai bagian dari strategi keberlanjutan, Allo Bank juga As part of its sustainability strategy, Allo Bank also strengthens
memperkuat kolaborasi dengan mitra strategis, baik di dalam collaboration with strategic partners, both within and beyond
maupun di luar ekosistem CT Corp. Implementasi model open the CT Corp ecosystem. The implementation of an open
banking dan pendekatan ecosystem-first memungkinkan Bank banking model and an ecosystem-first approach enables the
memperluas akses layanan keuangan sekaligus meningkatkan Bank to expand access to financial services while enhancing
inklusi keuangan, terutama bagi segmen retail dan emerging financial inclusion, particularly for retail customers and the
middle class. Dengan memanfaatkan basis pelanggan yang emerging middle-class segment. By leveraging a broader
lebih luas serta integrasi layanan digital, Bank berupaya customer base and integrated digital services, the Bank strives
menghadirkan produk yang relevan, efisien, dan bernilai to deliver relevant, efficient, and value-added financial products
tambah bagi masyarakat. to the community.
Selaras dengan Rencana Bisnis Bank 2025, Allo Bank In line with the 2025 Bank Business Plan, Allo Bank operates
menjalankan model bisnis hibrida yang mengintegrasikan a hybrid business model that integrates Retail and Wholesale
segmen Retail dan Wholesale secara beriringan. Strategi digital- segments in parallel. A digital-first strategy remains the primary
first menjadi prioritas utama dalam pengembangan produk focus in product and service development, underpinned by
dan layanan, dengan tetap mengedepankan tiga pilar utama, three key pillars: Acquisition, Engagement, and Monetization.
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yaitu Acquisition, Engagement, dan Monetization. Optimalisasi The optimization of data analytics and Artificial Intelligence (AI)
data analytics dan Artificial Intelligence (AI) dilakukan untuk supports more accurate customer insights while strengthening
menghasilkan customer insight yang lebih akurat sekaligus the early warning system in risk management, ensuring that
memperkuat sistem peringatan dini (early warning system) asset growth is achieved within a measured risk profile.
dalam manajemen risiko sehingga pertumbuhan aset dapat
dicapai dengan profil risiko yang terukur.
Pada akhirnya, kebijakan ini mencerminkan komitmen Allo Ultimately, these policies reflect Allo Bank’s commitment to
Bank untuk bertumbuh secara selektif namun konsisten dalam achieving selective yet consistent growth within a sustainability
kerangka keberlanjutan. Penguatan tata kelola perusahaan framework. Strengthening Good Corporate Governance,
(Good Corporate Governance), pengembangan sumber daya developing human capital, and integrating sustainability
manusia, serta integrasi aspek keberlanjutan dalam proses aspects into business processes form an integral part of the
bisnis menjadi bagian tak terpisahkan dari strategi jangka Bank’s long-term strategy. Through this approach, Allo Bank
panjang Bank. Dengan pendekatan tersebut, Allo Bank remains confident in its ability to maintain business resilience,
optimis dapat menjaga ketahanan usaha, mendukung inklusi support financial inclusion, and create sustainable economic
keuangan, serta menciptakan nilai ekonomi yang berkelanjutan value for all stakeholders.
bagi seluruh pemangku kepentingan.
Penerapan Keuangan Berkelanjutan Tahun 2025 Implementation of Sustainable Finance in 2025
Selama tahun 2025, Allo Bank berkomitmen penuh dalam Throughout 2025, Allo Bank remained fully committed to
mengimplementasikan keuangan berkelanjutan dengan implementing sustainable finance by aligning economic,
menyelaraskan aspek ekonomi, lingkungan, dan sosial. Inisiatif environmental, and social aspects in a balanced manner. These
tersebut membuahkan hasil sebagai berikut: initiatives delivered the following results:
Kinerja Aspek Ekonomi Economic Performance
Sebagai bagian dari komitmen terhadap pengelolaan usaha As part of its commitment to prudent business management,
yang prudent, Allo Bank Indonesia Tbk secara konsisten PT Allo Bank Indonesia Tbk consistently formulates a
merumuskan Rencana Bisnis Bank (RBB) secara komprehensif comprehensive and measurable Bank Business Plan (RBB),
dan terukur dengan mengedepankan prinsip kehati- emphasizing prudential principles and robust risk management.
hatian serta manajemen risiko. Rencana tersebut memuat The plan outlines the Bank’s business development direction
arah pengembangan usaha beserta strategi implementasi and implementation strategies designed to achieve established
yang dirancang untuk mencapai target sesuai jadwal targets within the predetermined timeframe. In its preparation,
yang telah ditetapkan. Dalam penyusunannya, Allo Bank Allo Bank carefully considers various external and internal
mempertimbangkan berbagai faktor eksternal dan internal factors that may affect business continuity, while upholding
yang berpotensi memengaruhi kesinambungan usaha, dengan sound banking principles and good corporate governance.
tetap berpegang pada prinsip perbankan yang sehat dan tata
kelola yang baik.
Komitmen kuat seluruh jajaran manajemen dan karyawan The strong commitment of management and employees in
dalam menjalankan RBB tahun 2025 telah menghasilkan executing the 2025 RBB resulted in encouraging performance
capaian kinerja yang menggembirakan. Pendapatan achievements. Operating income reached IDR1.96 trillion,
operasional tercatat sebesar Rp1,96 triliun atau tumbuh 35% representing a 35% increase compared to 2024. Third-Party
dibandingkan tahun 2024, Dana Pihak Ketiga meningkat 56% Funds grew by 56% to IDR9.52 trillion, while total financing
menjadi Rp9,52 triliun, sedangkan pembiayaan Bank mencapai reached IDR9.14 trillion, up 22% year-on-year. Net profit also
Rp9,14 triliun atau naik 22% dibandingkan tahun sebelumnya. recorded a 23% increase to IDR574 billion.
Sementara itu, laba bersih turut mencatatkan pertumbuhan
23% menjadi Rp574 miliar.
Pertumbuhan kinerja tersebut didukung oleh peningkatan This growth was supported by an increase in customer
jumlah akuisisi atau onboarding nasabah hingga akhir tahun acquisition (onboarding) through the end of 2025, surpassing
2025 yang telah melampaui 14 juta nasabah. Keberhasilan 14 million customers. The achievement also reflects improved
ini juga mencerminkan meningkatnya engagement di mana customer engagement, with customers increasingly active and
nasabah semakin aktif dan nyaman bertransaksi melalui layanan comfortable transacting through the Bank’s services. This is
Bank. Hal ini terlihat dari kenaikan signifikan pada volume evidenced by significant growth in QRIS transaction volumes,
transaksi QRIS, transfer melalui BI-Fast, serta pembayaran Bill BI-Fast transfers, and Bill Payment transactions, further
Payment yang semakin memperkuat aktivitas perbankan digital strengthening the Bank’s digital banking activity.
Bank.
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Kinerja Aspek Lingkungan Environmental Performance
Sebagai institusi jasa keuangan, Allo Bank tidak memiliki As a financial services institution, Allo Bank does not generate
dampak lingkungan secara langsung dari aktivitas operasional direct environmental impacts from its core operational
utamanya. Meski demikian, Bank tetap mengacu pada berbagai activities. Nevertheless, the Bank adheres to applicable
ketentuan dan regulasi yang mengatur keterkaitan antara regulations governing the banking industry’s relationship
industri perbankan dan aspek lingkungan hidup. Dengan with environmental aspects. Upholding prudential principles,
menjunjung tinggi prinsip kehati-hatian, Bank menyediakan the Bank provides products and services—including current
produk dan layanan seperti giro, tabungan, deposito, serta accounts, savings, time deposits, and consumer loans such as
pinjaman konsumtif termasuk instant cash dan pay later, yang instant cash and paylater—designed without causing negative
keseluruhannya dirancang tanpa memberikan dampak negatif environmental impacts.
terhadap lingkungan.
Komitmen terhadap tanggung jawab lingkungan juga The Bank’s environmental responsibility is also reflected in
diwujudkan melalui pengelolaan operasional kantor yang its eco-friendly office operations. Allo Bank implements the
mengedepankan konsep ramah lingkungan. Bank menerapkan 3R principles (Reduce, Reuse, & Recycle) in managing the
prinsip 3R (Reduce, Reuse, & Recycle) dalam pengelolaan use of paper, electricity, fuel, water and wastewater, as well
penggunaan kertas, energi listrik, bahan bakar minyak, air as the handling of hazardous (B3) and non-hazardous waste
dan air limbah, serta pengolahan limbah Bahan Berbahaya in accordance with prevailing regulations. These efficiency
dan Beracun maupun non-B3 sesuai ketentuan yang berlaku. initiatives yielded tangible results, including reduced operational
Berbagai inisiatif efisiensi tersebut membuahkan hasil antara fuel consumption, which directly contributed to a decrease in
lain melalui pencapaian Bank menekan penggunaan bahan direct greenhouse gas emissions (Scope 1).
bakar operasional yang secara langsung berkontribusi pada
penurunan emisi gas rumah kaca langsung (cakupan 1).
Kinerja Aspek Sosial Social Performance
Sebagai wujud komitmen pada aspek sosial, Allo Bank As part of its social commitment, Allo Bank consistently
secara konsisten merespons kebutuhan dan ekspektasi para responds to the needs and expectations of both internal and
pemangku kepentingan, baik internal maupun eksternal. external stakeholders. To enhance the quality of human capital,
Dalam upaya meningkatkan kualitas sumber daya manusia, throughout 2025 the Bank conducted competency development
sepanjang tahun 2025 Bank telah menyelenggarakan berbagai programs attended by 476 employees, representing 89% of
program pengembangan kompetensi yang diikuti oleh 476 total employees, with a total training duration of 1,476 hours.
pegawai atau 89% dari total karyawan, dengan total durasi Investment in competency development amounted to IDR5.269
pelatihan mencapai 1.476 jam. Investasi untuk pengembangan billion. Meanwhile, the implementation of Occupational Health
kompetensi tersebut tercatat sebesar Rp5,269 miliar. Di sisi lain, and Safety (OHS/K3) continued to show positive results, with
penerapan K3 tetap menunjukkan hasil positif dengan tidak no work-related accidents or occupational illnesses recorded,
adanya kasus kecelakaan kerja maupun penyakit akibat kerja, maintaining safety performance achievements consistent with
sehingga capaian kinerja keselamatan dapat dipertahankan the previous year.
seperti tahun sebelumnya.
Sebagai bagian dari tanggung jawab kepada nasabah, Allo In fulfilling its responsibility to customers, Allo Bank continues
Bank terus melakukan inovasi produk dan layanan agar selaras to innovate its products and services to align with evolving
dengan kebutuhan dan ekspektasi yang terus berkembang. needs and expectations. Service process optimization is also
Optimalisasi proses layanan juga dilakukan untuk meningkatkan undertaken to enhance effectiveness and efficiency, enabling
efektivitas dan efisiensi sehingga nasabah dapat bertransaksi customers to transact conveniently anytime and anywhere.
dengan mudah kapan saja dan di mana saja. Di samping itu, In addition, Allo Bank remains committed to resolving all
Allo Bank juga berkomitmen untuk menyelesaikan semua customer complaints in accordance with applicable Service
pengaduan nasabah sesuai dengan Service Level Agreement Level Agreements (SLA). As a result of these efforts, 77.8% of
(SLA) yang berlaku. Atas upaya tersebut, sebanyak 77,8% customers expressed satisfaction with the Bank’s products and
nasabah menyatakan puas dengan produk dan layanan Bank. services.
Perlindungan terhadap data nasabah menjadi prioritas utama Customer data protection remains a top priority, safeguarded
yang senantiasa dijaga dengan standar pengamanan yang through stringent security standards. This commitment was
ketat. Komitmen tersebut kembali membuahkan hasil dengan reinforced by the absence of any reported cases of data
tidak ditemukannya pengaduan terkait kebocoran maupun breaches or data loss throughout the reporting year.
kehilangan data nasabah sepanjang tahun pelaporan.
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Adapun kontribusi kepada masyarakat diwujudkan melalui The Bank’s contribution to society is realized through various
pelaksanaan berbagai program Tanggung Jawab Sosial dan Corporate Social and Environmental Responsibility (TJSL/CSR)
Lingkungan (TJSL). Pada tahun 2025, kegiatan tersebut meliputi programs. In 2025, these initiatives included the Food and Basic
Gerakan Berbagi Pangan dan Sembako (Gebrag), program Necessities Sharing Movement (Gebrag), the PIJAR program as
PIJAR sebagai gerakan mengajar di sekolah-sekolah daerah a teaching movement in schools located in remote areas, the
pelosok, pengembangan kebun hidroponik di sejumlah lokasi, development of hydroponic gardens in several locations, and
serta revitalisasi peradaban bambu Menoreh berbasis kearifan the revitalization of the Menoreh bamboo civilization based on
lokal dan ekologi untuk mendukung kesejahteraan masyarakat local wisdom and ecological principles to support the welfare
Ngargoretno, Magelang, Jawa Tengah. Pelaksanaan TJSL ini of the Ngargoretno community in Magelang, Central Java. The
sekaligus mencerminkan dukungan nyata Allo Bank terhadap implementation of these programs reflects Allo Bank’s tangible
pencapaian Tujuan Pembangunan Berkelanjutan (TPB/SDGs). support for the achievement of the Sustainable Development
Goals (SDGs).
Atas berbagai penerapan ketiga aspek tersebut, Allo Bank In recognition of its implementation across these three aspects,
mendapatkan apreasiasi dan memenangkan dua penghargaan Allo Bank received multiple awards in 2025. The Bank won
dalam Strategy and Performance Execution Excellence two awards at the Strategy and Performance Execution
(SPEx2) Award 2025, bertemakan Business Model Innovation Excellence (SPEx2) Award 2025, themed Business Model
in Uncertain Times, yang diselenggarakan oleh Media Kontan Innovation in Uncertain Times, organized by Kontan Media and
dan GML Performance Consulting untuk dua kategori: (i) The GML Performance Consulting, in the following categories:
Best Execution Winner in Digital Banking Industry; (ii) Special (i) The Best Execution Winner in the Digital Banking Industry; and
Recognition: Excellence in Product Strategy & Innovation untuk (ii) Special Recognition: Excellence in Product Strategy &
produk tabungan flexible Allo Grow; dinobatkan sebagai The Innovation for the Allo Grow flexible savings product. Additionally,
Best KBMI II Bank oleh media Investor Trust dalam acara The Allo Bank was named The Best KBMI II Bank by Investor Trust
Best Bank 2025 award programme; Menerima pengakuan at The Best Bank 2025 award program; recognized as The Best
sebagai The Best Digital Bank in Excellence Call Center 2025 Digital Bank in Excellence Call Center 2025 by InfoBank; and
oleh media InfoBank; serta produk tabungan flexible AlloGrow the AlloGrow flexible savings product won the Omni Brands of
berhasil memenangkan Omni brands of the Year 2025 award the Year 2025 award in the category New Product Campaign
untuk kategori New Product Campaign in Multiplatform dari in Multiplatform from Marketeers Media, reflecting recognition
media Marketeers, yang mencerminkan pengakuan atas of its creative and innovative omnichannel marketing approach.
pendekatan omni channel marketing secara kreatif dan inovatif.
Strategi Pencapaian Target Strategy to Achieve Targets
Bank berkomitmen menyelaraskan aspek ekonomi, sosial, dan The Bank is committed to aligning economic, social, and
lingkungan dalam seluruh kegiatan usahanya. Bank meyakini environmental aspects across all of its business activities. The
bahwa keberhasilan implementasi aspek lingkungan dan sosial Bank believes that the successful implementation of sustainable
yang berkelanjutan sangat bergantung pada pencapaian target environmental and social initiatives is highly dependent on the
kinerja ekonomi sebagaimana tertuang dalam Rencana Bisnis achievement of economic performance targets as set out in the
Bank (RBB) dan RBB Tahun 2025. Bank Business Plan (RBB), including the 2025 RBB.
Untuk itu, Allo Bank telah menetapkan langkah-langkah To that end, Allo Bank established several strategic initiatives
strategis pada tahun 2025 guna mendukung pencapaian in 2025 to optimally support the achievement of its economic
kinerja ekonomi secara optimal. Pertama, Allo Bank memperluas performance targets. First, Allo Bank expanded market
penetrasi pasar secara berkelanjutan ke berbagai segmen penetration on a sustainable basis across various customer
nasabah dengan memberikan nilai tambah melalui tiga pilar segments by delivering added value through its three core
strategi bisnis utama, yaitu akuisisi, keterlibatan, dan monetisasi. business strategy pillars: acquisition, engagement, and
Kedua, Allo Bank meningkatkan layanan digital secara signifikan monetization. Second, Allo Bank significantly enhanced its
guna mendorong pertumbuhan aset dan liabilitas. digital services to drive growth in assets and liabilities.
Selanjutnya, ketiga, Allo Bank menjalin kolaborasi erat dengan Third, Allo Bank strengthened close collaboration with strategic
mitra strategis dalam ekosistem utama melalui model open partners within its core ecosystem through an open banking
banking untuk memperkaya dan meningkatkan kualitas layanan model to enrich and improve the quality of financial services.
finansial. Keempat, Allo Bank memperkuat organisasi berbasis Fourth, Allo Bank reinforced its data-driven organization by
data dengan memanfaatkan kecerdasan buatan dan analitik leveraging artificial intelligence and data analytics to create
data untuk menciptakan keunggulan kompetitif. Kelima, Allo competitive advantages. Fifth, Allo Bank strengthened risk
Bank menguatkan manajemen risiko melalui teknologi terkini management through the adoption of advanced technologies
dan peningkatan kematangan IT demi operasional yang lebih and enhanced IT maturity to ensure more resilient operations.
kokoh.
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Keenam, Allo Bank mengembangkan talenta digital guna Sixth, Allo Bank developed digital talent to achieve overall
mencapai kinerja unggul secara keseluruhan. Ketujuh, Bank superior performance. Seventh, the Bank further strengthened
memperkokoh Tata Kelola Perusahaan yang Baik di seluruh Good Corporate Governance practices across all organizational
fungsi organisasi. functions.
Untuk memastikan kinerja ekonomi tetap sesuai rencana, Allo To ensure that economic performance remains on track, Allo
Bank melakukan pemantauan berkala terhadap implementasi Bank conducts periodic monitoring of the implementation of
inisiatif strategis ini melalui rapat Direksi dan Dewan Komisaris. these strategic initiatives through meetings of the Board of
Pendekatan ini bertujuan menjaga pencapaian target secara Directors and the Board of Commissioners. This approach
konsisten serta merumuskan solusi alternatif jika muncul aims to maintain consistent target achievement and formulate
kendala selama periode pelaporan. Implementasi pemastian alternative solutions should challenges arise during the reporting
tersebut membuahkan hasil positif sebagaimana disampaikan period. The effectiveness of this assurance mechanism is
dalam laporan keuangan tahun 2025 yang telah diaudit oleh reflected in the positive results presented in the Bank’s audited
Kantor Akuntan Publik. 2025 financial statements, as examined by a Public Accounting
Firm.
Prospek dan Peluang Outlook and Opportunities
Memasuki tahun 2026, Allo Bank Indonesia Tbk memandang Entering 2026, PT Allo Bank Indonesia Tbk views the global
lanskap global sebagai samudra dengan arus silang yang kuat. landscape as an ocean marked by strong crosscurrents. The
Perlambatan pertumbuhan ekonomi dunia ke kisaran 3%, slowdown in global economic growth to around 3%, rising trade
meningkatnya proteksionisme perdagangan antara Amerika protectionism between the United States and China, and the
Serikat dan Tiongkok, serta risiko eskalasi konflik di Timur risk of escalating conflict in the Middle East may put pressure
Tengah berpotensi menekan arus investasi dan volatilitas pasar on investment flows and increase financial market volatility.
keuangan. Kerentanan fiskal sejumlah negara dan besarnya Fiscal vulnerabilities in several countries and the substantial
surat utang jatuh tempo hingga akhir 2026 dapat memperketat volume of debt maturing through the end of 2026 could further
likuiditas global dan memengaruhi aliran modal ke negara tighten global liquidity and affect capital flows to emerging
berkembang. Dalam konteks ini, strategi Bank diarahkan markets. In this context, the Bank’s strategy is directed toward
untuk menjaga ketahanan likuiditas, disiplin biaya dana, serta safeguarding liquidity resilience, maintaining disciplined cost
memperkuat manajemen risiko guna meredam potensi gejolak of funds management, and strengthening risk management to
eksternal. mitigate potential external shocks.
Di dalam negeri, prospek tetap konstruktif meski tidak tanpa Domestically, the outlook remains constructive, albeit not
tantangan. Pertumbuhan ekonomi Indonesia pada 2025 yang without challenges. Indonesia’s economic growth of 5.11%
mencapai 5,11% memberikan fondasi bagi proyeksi 2026 di in 2025 provides a solid foundation for a projected growth
kisaran 4,9–5,0%, mencerminkan pemulihan yang stabil namun range of 4.9–5.0% in 2026, reflecting stable yet moderate
belum akseleratif. Pemerintah melalui Rancangan Anggaran recovery. Through the 2026 State Budget Draft (RAPBN),
Pendapatan dan Belanja Negara (RAPBN) 2026 menetapkan the Government has set a more ambitious growth target of
target pertumbuhan yang lebih ambisius, yakni sekitar 5,4%, approximately 5.4%, supported by fiscal policies focused on
didukung kebijakan fiskal yang diarahkan pada kedaulatan food and energy sovereignty, village development, MSMEs, and
pangan, energi, penguatan desa, UMKM, dan hilirisasi industri. industrial downstreaming. Contained inflation and monetary
Inflasi yang terkendali dan pelonggaran suku bunga oleh Bank easing by Bank Indonesia create broader room for financial
Indonesia menciptakan ruang intermediasi yang lebih luas, intermediation, while the resilience of the national banking
sementara ketahanan perbankan nasional yang tercermin dari sector—reflected in strong capital and liquidity positions—
permodalan dan likuiditas yang kuat menjadi jangkar stabilitas. serves as a stability anchor. Manufacturing, construction,
Sektor industri pengolahan, konstruksi, perdagangan, serta trade, and modern service sectors such as information and
jasa modern seperti informasi dan komunikasi diproyeksikan communication are projected to remain key growth drivers,
menjadi mesin pertumbuhan, membuka peluang pembiayaan opening opportunities for ecosystem-based digital financing
berbasis ekosistem digital dan rantai pasok domestik. and domestic supply chain funding.
Menangkap peluang tersebut, Allo Bank telah menetapkan To capture these opportunities, Allo Bank has set 2026 targets
target dalam RBB Tahun 2026 di antaranya pemberian in its Bank Business Plan (RBB), including loan disbursement of
kredit sebesar Rp11 triliun, tumbuh 21% dari tahun 2025 dan IDR11 trillion, representing 21% growth from 2025 and third-
pendanaan dari pihak ketiga sebesar Rp12,2 triliun atau tumbuh party funds of IDR12.2 trillion, up 23% year-on-year.
23% dari sebelumnya.
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Untuk merealisasikan target tersebut, Allo Bank menetapkan To achieve these targets, Allo Bank has established integrated
langkah-langkah strategis yang saling terintegrasi dimulai dari strategic initiatives, beginning with the expansion of ecosystems
perluasan ekosistem dan kemitraan strategis untuk memperdalam and strategic partnerships to deepen market penetration.
penetrasi pasar, dilanjutkan dengan peningkatan inovasi serta This will be followed by enhanced innovation and customer
pengalaman nasabah melalui pemanfaatan data dan teknologi experience through the utilization of advanced data analytics
canggih, sambil menumbuhkan bisnis secara menguntungkan and technology, while growing the business profitably and
dan berkelanjutan. Bank juga fokus memperkuat kompetensi sustainably. The Bank also focuses on strengthening human
serta kemampuan sumber daya manusia guna mewujudkan capital competencies to foster a high-performance digital
budaya digital dengan kinerja tinggi, sekaligus mengokohkan culture, while reinforcing robust digital infrastructure and
infrastruktur digital dan ketahanan siber yang andal. Semua ini cybersecurity resilience. All of these efforts are underpinned
didukung oleh komitmen pada tata kelola yang tangguh serta by a strong commitment to sound governance and financial
disiplin keuangan, memastikan operasional perbankan yang discipline, ensuring responsible banking operations that are
bertanggung jawab dan siap menghadapi dinamika pasar ke well-prepared to navigate future market dynamics.
depan.
Penutup Closing
Pencapaian kinerja positif Allo Bank secara berkelanjutan Allo Bank’s sustained positive performance is the result of
merupakan buah kolaborasi dan dukungan penuh dari seluruh strong collaboration and full support from all stakeholders, both
pemangku kepentingan, baik internal maupun eksternal, dalam internal and external, in realizing the various strategic initiatives
merealisasikan berbagai inisiatif strategis RBB Tahun 2025. outlined in the 2025 Bank Business Plan (RBB). We extend our
Kami menyampaikan apresiasi yang setinggi-tingginya kepada highest appreciation to the Board of Commissioners for their
Dewan Komisaris atas fungsi pengawasan dan arahan yang supervisory role and constructive guidance, enabling the Board
konstruktif sehingga Direksi dapat menjalankan agenda strategis of Directors to execute the strategic agenda effectively. We
secara efektif. Terima kasih juga kami sampaikan kepada para also express our sincere gratitude to our shareholders for the
pemegang saham atas kepercayaan yang diberikan kepada trust entrusted to us in managing the Company throughout the
kami untuk mengelola Perseroan sepanjang tahun pelaporan, reporting year, as well as to all employees whose dedication,
serta kepada seluruh karyawan atas dedikasi, integritas, dan integrity, and loyalty form the foundation of the Company’s
loyalitas yang menjadi fondasi kinerja Perseroan. performance.
Penghargaan yang sama kami tujukan kepada pemerintah, Our appreciation likewise goes to the Government,
regulator, nasabah, mitra dan pemasok, serta masyarakat luas regulators, customers, partners and suppliers, and the wider
yang senantiasa mendukung peran Allo Bank sebagai bank community for their continued support of Allo Bank’s role as
digital terpercaya. Kami berharap sinergi dan dukungan ini terus a trusted digital bank. We hope this synergy and support will
terjaga agar Allo Bank dapat bertumbuh secara berkelanjutan, continue to be strengthened, enabling Allo Bank to achieve
memenuhi harapan para pemangku kepentingan dan sustainable growth, meet the expectations of stakeholders and
pemegang saham, serta mewujudkan visi menjadi bank umum shareholders, and realize its vision of becoming the best digital-
berbasis digital terbaik melalui aplikasi All in One dengan based commercial bank through an All-in-One application by
memanfaatkan ekosistem untuk memberikan nilai tambah leveraging its ecosystem to create the greatest possible value
sebesar-besarnya bagi bangsa. for the nation.
Jakarta, 31 Maret | March 2026
Ari Yanuanto Asah
Plt. Direktur Utama
Acting President Director
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Strategi Keberlanjutan
Allo Bank
● Allo Bank Sustainability Strategy [OJK A.1]
Pembangunan berkelanjutan yang Indonesia's ongoing sustainable
tengah dijalankan Indonesia menuntut development demands a national
sistem perekonomian nasional yang economic system that is both capable
mampu menjaga stabilitas sekaligus of maintaining stability while also
bersifat inklusif, dengan menempatkan remaining inclusive. This system also
keseimbangan antara aspek ekonomi, has to be able to balance economic,
sosial, dan lingkungan hidup sebagai social, and environmental aspects in
fondasi utama. Untuk menggerakkan ways that serve its primary foundations.
perekonomian yang selaras dengan Towards this end of driving an economy
ketiga pilar tersebut, dibutuhkan aligned with these three pillars,
dukungan pendanaan dalam skala adequate and sustainable funding
yang memadai dan berkelanjutan. support is necessary. In this context,
Dalam konteks inilah, pengembangan the development of an environmentally-
sistem lembaga keuangan yang ramah friendly financial institution system,
lingkungan sebagaimana diamanatkan as mandated by Law No. 32 of 2009
dalam Undang-Undang No. 32 Tahun concerning Environmental Protection
2009 tentang Perlindungan dan and Management, has become
Pengelolaan Lingkungan Hidup menjadi increasingly relevant and strategic.
semakin relevan dan strategis.
Sejalan dengan agenda tersebut, Otoritas In line with this agenda, the Financial
Jasa Keuangan (OJK) menerbitkan Services Authority (OJK) has issued
Peraturan Otoritas Jasa Keuangan No. Financial Services Authority Regulation
51/POJK.03/2017 tentang Penerapan (POJK) No. 51/POJK.03/2017
Keuangan Berkelanjutan bagi Lembaga concerning the Implementation of
Jasa Keuangan, Emiten, dan Perusahaan Sustainable Finance for Financial
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Publik. Regulasi ini mendefinisikan keuangan berkelanjutan Services Institutions, Issuers, and Public Companies. This
sebagai dukungan menyeluruh dari sektor jasa keuangan untuk regulation defines sustainable finance as comprehensive
mendorong pertumbuhan ekonomi berkelanjutan melalui support from the financial services sector to encourage
penyelarasan kepentingan ekonomi, sosial, dan lingkungan sustainable economic growth by aligning economic, social, and
hidup. environmental interests.
Penerbitan POJK tersebut menegaskan posisi lembaga The issuance of this regulation was designed to affirm the
jasa keuangan sebagai bagian dari sistem keuangan yang position of financial services institutions as being part of an
ramah lingkungan, sebagaimana ditegaskan dalam Pasal 43 environmentally-friendly financial system. This is in accordance
ayat (3) huruf c Undang-Undang No. 32 Tahun 2009 yang with Article 43 Paragraph (3) Letter C of Law No. 32 of 2009,
mengamanatkan pengembangan sistem lembaga keuangan which mandates the development of an environmentally-
dan pasar modal yang berwawasan lingkungan. Dengan sound financial institution and capital market system. As such,
demikian, sektor jasa keuangan tidak hanya berperan sebagai the financial services sector is required to play a role not
intermediary keuangan, tetapi juga sebagai katalis transformasi only as a financial intermediary but also as a catalyst for the
menuju ekonomi hijau. transformation towards a green economy.
Langkah ini juga merupakan tindak lanjut dari Roadmap This step was also meant to follow up on Sustainable Finance
Keuangan Berkelanjutan Tahap I 2015-2019 yang kemudian Roadmap Phase I 2015-2019, which was later strengthened
diperkuat melalui Roadmap Keuangan Berkelanjutan Tahap II by the Sustainable Finance Roadmap Phase II 2021-2025.
2021-2025. Roadmap Tahap II berfokus pada pembentukan The Phase II Roadmap was designed to focus on establishing
ekosistem keuangan berkelanjutan yang komprehensif a comprehensive sustainable finance ecosystem involving
dengan melibatkan seluruh pemangku kepentingan, sekaligus all stakeholders and encouraging cross-sector collaboration
mendorong kolaborasi lintas sektor untuk mengembangkan to develop innovative financing schemes aligned with
skema pembiayaan inovatif yang selaras dengan prinsip sustainability principles. This document is designed to serve
keberlanjutan. Dokumen ini diharapkan menjadi pedoman as a strategic guideline for financial services industry players
strategis bagi pelaku industri jasa keuangan serta referensi and as a reference for ministries and institutions in designing
bagi kementerian dan lembaga dalam merancang kebijakan sustainable financing policies.
pembiayaan berkelanjutan.
Merujuk pada Roadmap Tahap II tersebut, PT Allo Bank PT Allo Bank Indonesia Tbk, as part of the national banking
Indonesia Tbk sebagai bagian dari industri perbankan nasional industry, fully supports the implementation of sustainable
menyatakan dukungan penuh terhadap implementasi keuangan finance in Indonesia and uses the aforementioned Phase II
berkelanjutan di Indonesia. Komitmen ini diharapkan dapat Roadmap as a reference. This commitment is expected to
memperkuat daya tahan dan daya saing Bank agar mampu strengthen the Bank's resilience and competitiveness in ways
tumbuh secara berkesinambungan, sekaligus berkontribusi that enable it to grow sustainably, while also contributing to
dalam mitigasi risiko lingkungan dan menjaga stabilitas sistem environmental risk mitigation and maintaining financial system
keuangan. stability.
Implementasi komitmen tersebut diwujudkan melalui The implementation of this commitment has been actualized
penyusunan Rencana Aksi Keuangan Berkelanjutan (RAKB) through the preparation of a Sustainable Finance Action Plan
sebagaimana diatur dalam Pasal 4 ayat (1) POJK No. 51/ (RAKB), as stipulated in Article 4 Paragraph (1) of POJK No. 51/
POJK.03/2017. RAKB yang terintegrasi dengan Rencana Bisnis POJK.03/2017. This RAKB, which has been integrated with the
Bank (RBB) memuat rencana, program, dan kebijakan strategis Bank Business Plan (RBB), contains strategic plans, programs,
sebagai bentuk konkret penerapan prinsip-prinsip keuangan and policies that concretely demonstrate the way in which
berkelanjutan dalam kegiatan usaha Bank. the Bank's business activities have implemented sustainable
finance principles.
Pencapaian Rencana Aksi Keuangan Berkelanjutan Tahun 2025
Sustainable Finance Action Plan 2025 Achievements
Internal Internal
Allo Bank terus meningkatkan kemampuan internal baik Allo Bank has continued to enhance its internal capabilities in
dari sisi corporate branding, sumber daya manusia, budaya terms of its corporate branding, its human resources, its work
kerja, tata kelola dan sistem pendukung. Konsisten dengan culture, its governance, and its support systems throughout
pengembangan bisnis yang berbasis digital, pada tahun 2025, 2025. These actions, which have been consistent with the
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Allo Bank meraih berbagai penghargaan dan pengakuan dari Bank's digital-based business development, have led to Allo
berbagai pihak independen eksternal sebagai berikut: Bank receiving various awards and recognition from various
external independent parties. These distinctions encompass
the following:
1. Memenangkan dua penghargaan dalam Strategy and 1. Allo Bank won two awards at the Strategy and Performance
Performance Execution Excellence (SPEx2) Award 2025, Execution Excellence (SPEx2) Award 2025 event, which
bertemakan Business Model Innovation in Uncertain was themed "Business Model Innovation in Uncertain
Times, yang diselenggarakan oleh Media Kontan dan GML Times" and was organized by Kontan Media and GML
Performance Consulting untuk dua kategori: (i) The Best Performance Consulting. It won in two categories: (i) The
Execution Winner in Digital Banking Industry; (ii) Special Best Execution Winner in the Digital Banking Industry; and
Recognition: Excellence in Product Strategy & Innovation (ii) Special Recognition: Excellence in Product Strategy &
untuk produk tabungan flexible Allo Grow; Innovation for Allo Grow, its flexible savings product;
2. Dinobatkan sebagai The Best KBMI II Bank oleh media 2. It was named The Best KBMI II Bank by Investor Trust media
Investor Trust dalam acara The Best Bank 2025 award during the "The Best Bank 2025" awards program;
programme;
3. Menerima pengakuan sebagai The Best Digital Bank in 3. It received recognition as The Best Digital Bank in Excellence
Excellence Call Center 2025 oleh media InfoBank; dan Call Center 2025 by InfoBank media; and
4. Produk tabungan flexible AlloGrow berhasil memenangkan 4. Its flexible savings product Allo Grow won the Omni Brands
Omni brands of the Year 2025 award untuk kategori New of the Year 2025 award for the New Product Campaign
Product Campaign in Multiplatform dari media Marketeers, in Multiplatform category from Marketeers media. This
yang mencerminkan pengakuan atas pendekatan omni award reflected the recognition the Bank had earned for its
channel marketing secara kreatif dan inovatif. creative and innovative omni-channel marketing approach.
Kompetensi karyawan ditingkatkan melalui berbagai program Employee competency has been enhanced through various
training internal secara daring dan sertifikat yang diberikan online internal training and online certifications programs.
kepada karyawan berbentuk sertifikat secara online. Allo Bank Towards this end, Allo Bank utilized KnowBe4 as a web-based
menggunakan KnowBe4 sebagai platform web based untuk platform for conducting regular employee training sessions.
melakukan training secara berkala kepada karyawan.Salah satu One such training activity that was related to Sustainable
pelaksanaan pelatihan terkait Sustainable Banking Awareness Banking Awareness featured the attendance of all employees in
diikuti oleh seluruh karyawan pada bulan Agustus 2025. August 2025. In order to build internal awareness of sustainable
Dalam rangka membangun awareness mengenai ekonomi economics, Allo Bank conducted outreach on sustainable
berkelanjutan di internal, Allo Bank mengadakan sosialisasi culture in the workplace through its Employee News system.
mengenai budaya berkelanjutan di tempat kerja melalui media It also conducted outreach sessions and used quizzes for
Employee News, dan menyelenggarakan sosialisasi beserta kuis employees to teach them about sustainable banking. Allo Bank
kepada karyawan terkait sustainable banking. Allo Bank juga has also implemented an "Employee Risk Score" as an effort
telah menerapkan “Employee Risk Score” sebagai salah satu to continuously raise awareness on the importance of risk
upaya untuk terus meningkatkan awareness mengenai budaya management culture and employee compliance.
manajemen risiko, dan kepatuhan kepada karyawan.
Allo Bank mempertahankan peringkat “idA” dengan prospek Furthermore, Allo Bank was able to maintain an "idA" rating
stabil dari PT Pemeringkat Efek Indonesia (PEFINDO). Peringkat with a stable outlook from PT Pemeringkat Efek Indonesia
korporasi tersebut mencerminkan tingkat dukungan yang (PEFINDO). This corporate rating reflected the strong level
kuat dari Group CT Corpora, sinergi bisnis yang kuat dengan of support the Bank has received from CT Corpora Group. It
ekosistem Group dan profil permodalan yang sangat kuat untuk also served to demonstrate strong business synergies with the
memenuhi kewajiban dan menunjang aspirasi pertumbuhan Group's ecosystem, as well as showcasing a very strong capital
Bank di masa depan. profile designed to meet obligations and support the Bank's
future growth aspirations.
Pada tahun 2024, Allo Bank berhasil memperoleh sertifikasi In 2024, Allo Bank successfully obtained a COBIT 2019
COBIT 2019 dengan Tingkat Maturitas Teknologi Informasi certification with an Information Technology Maturity Level of
sebesar 4,21 sebagai wujud komitmen dalam penerapan tata 4.21. This certification demonstrated Allo Bank's commitment to
kelola TI sesuai standar internasional. Memasuki tahun 2025, implementing IT governance in accordance with international
Allo Bank tetap menjaga tingkat maturitas tersebut, yang standards. Allo Bank went into 2025 by continuing to
mencerminkan konsistensi dalam penguatan tata kelola TI serta maintain its maturity level in a way that reflected its consistent
mendukung pilar Governance dalam Keuangan Berkelanjutan. strengthening of IT governance and support for Sustainable
Melalui tata kelola TI yang matang, Allo Bank memastikan Finance's Governance pillar. Thanks to its mature IT governance,
seluruh proses bisnis berbasis teknologi dikelola secara efisien, Allo Bank was able to ensures that all of its technology-based
transparan, terkontrol, dan berkelanjutan, termasuk dalam business processes were managed efficiently, transparently,
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mendukung digitalisasi operasional, pengurangan penggunaan and in a controlled and sustainable manner. These processes
sumber daya fisik (paperless), dan peningkatan ketahanan included its support of operational digitalization, its reduction in
sistem informasi sebagai bagian dari praktik usaha yang the use of physical resources (going paperless), and its efforts
bertanggung jawab. to boost the resilience of its information systems as part of
responsible business practices.
Selain itu, Allo Bank juga terus mempertahankan sertifikasi Furthermore, Allo Bank continued to maintain its ISO/
ISO/IEC 27001:2022 mengenai Sistem Manajemen Keamanan IEC 27001:2022 certification for its Information Security
Informasi (SMKI) dari CBQA Global Indonesia. Sertifikasi ini Management System (ISMS) from CBQA Global Indonesia.
menegaskan komitmen Allo Bank dalam melindungi aset This certification affirmed Allo Bank's commitment to
informasi sesuai dengan prinsip kerahasiaan, integritas, dan protecting information assets in accordance with the
ketersediaan (Confidentiality, Integrity, and Availability/CIA). principles of confidentiality, integrity, and availability (CIA).
Penerapan keamanan informasi yang kuat menjadi bagian dari Strong information security implementation is part of the
aspek Social dan Governance dalam keberlanjutan, karena Social and Governance aspects of sustainability, as doing so
memastikan perlindungan data nasabah, menjaga kepercayaan ensures customer data protection, maintains public trust,
publik, serta mendorong penggunaan teknologi secara and encourages the responsible use of technology within
bertanggung jawab dalam ekosistem perbankan digital, Allo the digital banking ecosystem. Allo Bank also continued to
Bank terus melakukan pengembangan dan penyempurnaan develop and refine information technology as the heart of its
teknologi informasi sebagai jantung operasi layanan. Melalui service operations. Through these efforts, Allo Bank was able to
pencapaian ini, Allo Bank menunjukkan bahwa penerapan demonstrate that the implementation of its Sustainable Finance
Rencana Aksi Keuangan Berkelanjutan tidak hanya berfokus Action Plan was not only focused on green financing or social
pada pembiayaan hijau atau program sosial, tetapi juga programs, but also encompassed strengthening governance,
mencakup penguatan tata kelola, keamanan informasi, serta information security, and sustainable digital transformation as
transformasi digital berkelanjutan sebagai elemen fundamental fundamental elements in creating balanced economic, social,
dalam menciptakan nilai ekonomi, sosial, dan lingkungan and environmental value.
secara seimbang.
Memenuhi prinsip tata kelola, bank menyelenggarakan In order to comply with corporate governance principles, the
employee awareness terkait code of conduct & GCG pada bulan bank held an employee awareness campaign related to its code
Mei 2025, Allo Bank juga telah melaksanakan penilaian sendiri of conduct and GCG in May 2025. Allo Bank also conducted
(self assessment) terhadap implementasi Good Corporate a self-assessment of its Good Corporate Governance (GCG)
Governance (GCG) dengan hasil Self Assessment GCG implementation, with the results of this assessment for Semester
Semester I /2025 adalah “Baik”. I/2025 being classified as "Good."
Terkait kebijakan, Allo Bank telah melakukan pengkinian pada When it came to its policies, Allo Bank has updated its sustainable
kebijakan penerapan keuangan berkelanjutan, dan kebijakan finance implementation policy and other policies relevant to
lain yang relevan dengan prinsip keuangan berkelanjutan. sustainable finance principles. Its latest 2025 policies include
Mengenai kebijakan terbaru 2025, Allo Bank telah menyusun Allo Bank's development of an internal policy for Recovery
kebijakan internal tentang Rencana Aksi Pemulihan (Recovery Action Plans in accordance with Financial Services Authority
Plan) sesuai dengan sesuai dengan Peraturan Otoritas Jasa Regulation No. 5 of 2024 concerning the Determination of
Keuangan No. 5 Tahun 2024 terkait Penetapan Status Supervisory Status and Handling of Commercial Bank Problems.
Pengawasan dan Penanganan Permasalahan Bank Umum.
Eksternal External
Aktivitas yang dilakukan oleh Allo Bank dalam rangka Allo Bank's list of activities for developing its sustainable
pengembangan produk dan/atau jasa keuangan berkelanjutan financial products and/or services based on digital technology
yang berbasis teknologi digital adalah melakukan included its efforts at developing digital products and services
pengembangan produk dan jasa digital dan menambah and its adding of new partners in 2025. Its new products that
mitra baru di 2025. Produk baru yang telah mendapatkan have received regulatory approval include its Foreign Exchange
ijin dari regulator antara lain adalah Bank Devisa dan Website Bank and its PayLater Onboarding Website.
Onboarding PayLater.
Allo Bank juga mengembangkan sistem pembayaran dengan Allo Bank is developing a QRIS payment system that includes
QRIS yaitu QRIS Tarik Tunai, Transfer dan Setor Tunai (Tuntas) & QRIS Cash Withdrawal, Transfer, and Cash Deposit ("Tuntas")
QRIS Customer Presented Mode (CPM). Allo Bank juga dalam and QRIS Customer Presented Mode (CPM). Allo Bank is also
tahap mengikuti proses sandbox QRIS Crossborder Tiongkok. participating in a China Crossborder QRIS sandbox process.
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Pengembangan aktivitas kerjasama baru berupa layanan open Allo Bank has also developed new collaborative activities in
API berbasis SNAP, dilakukan Allo Bank dengan PT Prismalink the form of SNAP-based open API services with PT Prismalink
International, PT Nusantara Sejahtera Raya (Cinema XXI), PT International, PT Nusantara Sejahtera Raya (Cinema XXI), PT
Indonesia Comnets Plus (PLN ICON Plus), PT Trans Digital Indonesia Comnets Plus (PLN ICON Plus), and PT Trans Digital
Media (Detik). Media (Detik).
Allo Bank melaksanakan kewajiban pelaporan Taksonomi untuk Allo Bank has also begun implementing reporting requirements
Keuangan Berkelanjutan Indonesia (TKBI) versi 2, dengan for Indonesian Taxonomy for Sustainable Finance (TKBI) Version
ketentuan didasarkan pada 4 jenis sektor yang termasuk dalam 2, with provisions based on the four sectors that have been
TKBI Versi 2 ini yaitu: included in this TKBI Version 2. These provisions encompass
the following sectors:
1. Sektor Energi. 1. Energy Sector.
2. Sektor Konstruksi dan real estate. 2. Construction and Real Estate Sector.
3. Sektor Transportasi dan pengangkutan udara, air, dan darat. 3. Transportation and Air, Water, and Land Transportation
Sector.
4. Sektor Perkebunan dan Pertanian. 4. Plantation and Agriculture Sector.
Nama debitur yang memenuhi kriteria keuangan berkelanjutan The debtor that was able to meet the proper sustainable finance
adalah PT Cipta Sinar Indah di mana debitur ini bergerak dalam criteria was PT Cipta Sinar Indah. This company operates in
usaha perkebunan kelapa sawit, dan masuk dalam kategori the palm oil plantation business and falls under the category of
pengelolaan sumber daya alam hayati dan penggunaan lahan sustainable natural resource management and land use.
berkelanjutan.
Dalam hal peran Allo Bank dalam melakukan edukasi literasi Allo Bank's role in educating external parties about financial
dan inklusi keuangan ke pihak eksternal disampaikan melalui literacy and inclusion can be seen communicated through
berbagai wadah, termasuk melalui sosial media, podcast its various channels, including social media, online podcasts,
secara daring; seminar/talkshow keuangan; serta bekerjasama financial seminars/talk shows, and collaboration with other
dengan/institusi lain. Sejalan dengan itu, Allo Bank juga institutions. Towards this end, Allo Bank has also collaborated
melakukan kolaborasi dengan berbagai institusi dalam with various institutions to implement Financial Literacy
menjalankan pelaksanaan Literasi Keuangan selama tahun throughout 2025. It carried out these endeavors both in face-
2025 baik secara tatap muka (luring) maupun tanpa tatap muka to-face venues and through online means. Some of the Bank's
(daring). Beberapa hasil capaian pelaksanaan kegiatan yang list of activities it conducted throughout 2025 included the
telah dijalankan pada tahun 2025 di antaranya: following:
1. Edukasi keuangan dalam segment “CNBC: Money Talks” 1. Financial education during a "CNBC: Money Talks" segment
yaitu berkolaborasi dengan CNBC Indonesia; that was held in collaboration with CNBC Indonesia;
2. Edukasi keuangan melalui sesi podcast bersama SWA 2. Financial education through a podcast sessions with SWA
Media; Media;
3. Penyampaian edukasi pada Konferensi Nasional Sistem 3. Educational presentations at the 2025 National Information
Informasi 2025 bersama Institut Teknologi Bandung (ITB); Systems Conference with the Bandung Institute of
Technology (ITB);
4. Penyampaian edukasi melalui kegiatan sosialisasi bersama 4. Educational presentations through various outreach
LM FEB Universitas Indonesia & Singapore Management activities with the Faculty of Economics and Business
University dalam acara Asian Financial Leaders Program (LM FEB) of the University of Indonesia and Singapore
2025; dan Management University during the 2025 Asian Financial
Leaders Program; and
5. Penyampaian edukasi melalui media sosial resmi Allo 5. Educational presentations through Allo Bank's official
Bank baik dengan diseminasi materi edukasi melalui social media channels, both through the disseminating
konten milik Allo Bank maupun menampilkan konten of educational materials via Allo Bank's own content and
edukasi/campaign yang diarahkan oleh Regulator dengan through the featuring of educational content/campaigns as
tujuan meningkatkan edukasi keuangan, meningkatkan directed by state regulators. These activities were carried
pemahaman mengenai penggunaan produk dan/atau jasa out with the aim of improving financial education, increasing
keuangan, serta pemahaman atas pentingnya menghindari understanding of the use of financial products and/or
modus kejahatan keuangan secara umum maupun digital. services, and providing understanding on the importance
of avoiding financial crime in general and in digital media.
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Tentang Laporan
Keberlanjutan
● About this Sustainability Report
Laporan Keberlanjutan ini menjadi This Sustainability Report serves as
sarana bagi PT Allo Bank Indonesia a means for PT Allo Bank Indonesia
Tbk untuk menunjukkan komitmen Tbk to demonstrate its commitment
akuntabilitas dan transparansi dalam to accountability and transparency
menjalankan kegiatan usaha, termasuk in carrying out its business activities,
dampak operasionalnya terhadap including the impact of its operations
aspek ekonomi, lingkungan, dan sosial. have had on different economic,
Setiap tahun, Bank secara konsisten environmental, and social aspects. Each
menerbitkan Laporan Keberlanjutan year has seen the Bank consistently
sebagai bagian yang tidak terpisahkan publishing a Sustainability Report as an
dari Laporan Tahunan Perusahaan. integral part of the Company's Annual
Report.
Laporan Tahun Buku 2025 merupakan This 2025 Financial Year Report marks
penerbitan yang keempat setelah edisi the fourth edition, following the previous
sebelumnya diterbitkan pada Maret edition that was published in March
2025. Laporan ini memuat kinerja 2025. This report outlines the Bank's
keberlanjutan Bank sepanjang periode sustainability performance for the period
1 Januari–31 Desember 2025, yang spanning 1 January to 31 December,
mencakup tiga pilar utama yakni aspek 2025, and covers three main pillars:
ekonomi, lingkungan, dan sosial, economic, environmental, and social
beserta dampak yang ditimbulkan. aspects, along with their impacts.
Keselarasan pengelolaan ketiga aspek The management's alignment when
tersebut mencerminkan dukungan it came to these three aspects serves
Bank terhadap implementasi keuangan to reflect the Bank's support for the
berkelanjutan serta kontribusi pada implementation of sustainable finance
pencapaian Tujuan Pembangunan and its contributions to the actualization
Berkelanjutan (Sustainable Development of Indonesia's Sustainable Development
Goals/SDGs) di Indonesia. Goals (SDGs).
Penerbitan laporan ini juga merupakan The publication of this report is also
bentuk kepatuhan terhadap Peraturan designed to comply with Financial
Otoritas Jasa Keuangan No. 51/ Services Authority Regulation No.
POJK.03/2017 tentang Penerapan 51/POJK.03/2017 concerning the
Keuangan Berkelanjutan bagi Lembaga Implementation of Sustainable Finance
Jasa Keuangan, Emiten, dan Perusahaan for Financial Services Institutions,
Publik. Selain itu, laporan ini disusun Issuers, and Public Companies.
dengan mempertimbangkan status Furthermore, this report was prepared
Bank sebagai Bank Umum Kelompok while taking into account the Bank's
Usaha (BUKU) 3 per 1 Januari 2022, status as a Commercial Bank in Business
atau Kelompok Bank berdasarkan Modal Group (BUKU) 3 as of 1 January, 2022,
Inti (KBMI) 2 sesuai Peraturan Otoritas or a Bank Group based on Core Capital
Jasa Keuangan No. 12/POJK.03/2021 (KBMI) 2 in accordance with Financial
tentang Bank Umum. Selain edisi cetak, Services Authority Regulation No. 12/
laporan yang sama dapat diunduh di POJK.03/2021 concerning Commercial
website resmi Bank, yaitu https://www. Banks. In addition to its printed edition,
allobank.com/. this same report can be downloaded
from the Bank's official website, https://
www.allobank.com/.
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Aspek Keberlanjutan dalam Laporan
Sustainability Aspects in this Report
Laporan keberlanjutan ini menyajikan pembahasan aspek- This sustainability report presents a discussion of various
aspek yang material, yaitu aspek-aspek yang penting dan material aspects. Specifically, these are aspects that are
relevan serta memiliki dampak yang signifikan bagi Bank important, relevant and have had a significant impact on the
maupun para pemangku kepentingan selama tahun 2025. Bank and its stakeholders throughout 2025. The process of
Penentuan aspek material merujuk pada Lampiran II POJK determining these material aspects made use of Attachment
No. 51/POJK.03/2017 di mana Bank termasuk dalam kategori II of POJK No. 51/POJK.03/2017 as a reference. In it, the Bank
perusahaan yang proses bisnisnya tidak berkaitan langsung was included within the category of companies whose business
dengan lingkungan hidup. processes were not directly related to the environment.
Lingkup dan Batasan Pelaporan
Reporting Scope and Limitations
Laporan keberlanjutan ini mencakup aspek keberlanjutan This sustainability report covers the sustainability aspects of
Kantor Pusat dan dua kantor cabang Allo Bank di Indonesia. both Allo Bank's Head Office and its two branch offices in
Indonesia.
Umpan Balik
Feedback
Bank menyediakan Lembar Umpan Balik di bagian akhir laporan The Bank has a Feedback Sheet at the end of this report.
ini. Usulan, umpan balik, opini dan sebagainya dari pemangku Proposals, feedback, opinions, and so on from stakeholders
kepentingan bisa dikirimkan kepada: can be sent to:
Sekretaris Perusahaan Corporate Secretary
PT Allo Bank Indonesia Tbk PT Allo Bank Indonesia Tbk
Menara Bank Mega Lantai 5-6, Menara Bank Mega 5-6 floor,
Jalan Kapten P. Tendean No. 12-14A, St. Kapten P. Tendean No. 12-14A,
Jakarta Selatan 12790, Indonesia. South Jakarta 12790, Indonesia.
Telepon: (+62 21) 7990671, 79184705, 79182387 Telephone: (+62 21) 7990671, 79184705, 79182387
Email: corsec@allobank.com Email: corsec@allobank.com
Website: www.allobank.com Website: www.allobank.com
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Profil
Perusahaan
● Company Profile
PT Allo Bank Indonesia Tbk (“Allo PT Allo Bank Indonesia Tbk (hereinafter
Bank” atau “Bank”) sebelumnya dikenal referred to as "Allo Bank" or "the Bank")
dengan nama PT Bank Arta Griya was previously known as PT Bank
yang didirikan pada 21 Oktober 1992. Arta Griya and was established on 21
Pada 18 Januari 1993, Bank berganti October, 1992. On 18 January, 1993,
nama menjadi PT Bank Harda Griya the Bank changed its name to PT Bank
dan dikenal sebagai Bank Harda. Harda Griya and became known as Bank
Selanjutnya, pada 10 Desember 2016, Harda. Subsequently, on 10 December,
nama Bank kembali diubah menjadi 2016, the Bank's name was changed
PT Bank Harda Internasional (BHI). again to PT Bank Harda Internasional
Pada tahun 2015, BHI melaksanakan (BHI). In 2015, BHI conducted an Initial
Penawaran Saham Perdana (Initial Public Public Offering (IPO). In March 2021,
Offering/IPO) kepada masyarakat. Pada BHI was officially acquired by PT Mega
Maret 2021, BHI resmi diakuisisi oleh Corpora after obtaining approval from
PT Mega Corpora setelah memperoleh the Financial Services Authority (OJK). In
persetujuan dari Otoritas Jasa Keuangan line with its business transformation, on
(OJK). Seiring dengan transformasi 30 June, 2021, BHI officially changed its
bisnis yang dilakukan, pada 30 Juni name to PT Allo Bank Indonesia Tbk.
2021, BHI secara resmi berganti nama
menjadi PT Allo Bank Indonesia Tbk.
Nama Allo merupakan singkatan dari The name Allo is an abbreviation of “All
All in One, yang mencerminkan aspirasi in One”. This abbreviation serves as a
Bank untuk menghadirkan pengalaman reflection of the Bank's aspiration to
perbankan digital yang sederhana dan provide a simple and integrated digital
terintegrasi bagi nasabah (Experience banking experience for its customers
a Simple Life). Allo Bank merupakan ("Experience a Simple Life"). Allo Bank
anak perusahaan dari CT Corp, sebuah is a subsidiary of CT Corp, a leading
kelompok usaha terintegrasi terkemuka integrated business group in Indonesia
di Indonesia yang bergerak di berbagai operating in various sectors, including
sektor antara lain layanan keuangan, financial services, media, retail, lifestyle,
media, ritel, gaya hidup, dan hiburan. and entertainment. Since its official
Sejak peluncuran resmi (grand launching) launch on 20 May, 2022, and its
pada 20 Mei 2022 hingga akhir tahun operations through to the end of 2025,
2025, Allo Bank telah berkembang Allo Bank has grown to become one
menjadi salah satu bank umum berbasis of Indonesia's leading digital-based
digital terkemuka di Indonesia, dengan commercial banks, with a customer base
jumlah nasabah yang telah mencapai 14 of 14 million.
juta nasabah.
Sejak Juli 2022, Allo Bank berkantor Since July 2022, Allo Bank has been
pusat di Menara Bank Mega, Lantai headquartered at Menara Bank Mega,
5-6, Jalan Kapten P. Tendean No. 12- 5th-6th Floor, Jalan Kapten P. Tendean
14A, Jakarta Selatan 12790, Telepon: No. 12-14A, South Jakarta 12790.
(+62 21) 7990671, 79184705, 79182387, Telephone: (+62 21) 7990671, 79184705,
Faksimile: (+62 21) 3841022, 3851023, 79182387, Fax.: (+62 21) 3841022,
Email: corsec@allobank.com, Website: 3851023, Email: corsec@allobank.com,
www.allobank.com. Website: www.allobank.com.
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Per 31 Desember 2025, Bank memiliki 1 Kantor Pusat, 2 Kantor As of 31 December, 2025, the Bank has had one Head Office,
Cabang dan tidak memiliki Kantor Cabang Pembantu, maupun two Branch Offices, and no Sub-Branch Offices or Cash
Kantor Kas. Adapun Kantor Cabang Bank beralamat di: Offices. The Bank's Branch Offices are located at: [OJK C.2]
[OJK C.2]
1. Menara Bank Mega, Jl. Kapten Tendean No. 12-14A, 1. Bank Mega Tower, Jl. Kapten Tendean No. 12-14A,
Mampang Prapatan, Jakarta Selatan 12790; dan Mampang Prapatan, South Jakarta 12790; and
2. Indofood Tower, Jl. Jendral Sudirman No. 76-78, Setiabudi, 2. Indofood Tower, Jl. Jendral Sudirman No. 76-78, Setiabudi,
Jakarta Selatan 10250. South Jakarta 10250.
Sesuai dengan Pasal 3 Anggaran Dasar terakhir tahun 2023, In accordance with Article 3 of the latest Articles of Association
maksud dan tujuan Bank adalah menjalankan kegiatan usaha for 2023, the Bank's purpose and objective are to conduct
di bidang perbankan sesuai dengan ketentuan peraturan banking business activities in accordance with applicable laws
perundang-undangan yang berlaku, serta mengoptimalkan and regulations, and to optimize the utilization of its resources
pemanfaatan sumber daya yang dimiliki untuk menghasilkan to produce high-quality and competitive banking products and/
produk dan/atau jasa perbankan yang bermutu tinggi or services in order to generate profits and increase the Bank's
dan berdaya saing guna memperoleh keuntungan dan value while adhering to the principles of a Limited Liability
meningkatkan nilai Bank dengan tetap menerapkan prinsip- Company. [OJK C.4]
prinsip Perseroan Terbatas. [OJK C.4]
Allo Bank merupakan Perseroan Terbatas yang bergerak di Allo Bank is a Limited Liability Company engaged in digital-
bidang perbankan umum berbasis layanan digital dengan based general banking, with a range of banking products and
cakupan produk dan jasa perbankan yang terbagi ke dalam services divided into two main segments: Wholesale Banking
dua segmen utama yaitu Wholesale Banking dan Retail Banking. and Retail Banking. In accordance with its latest Articles of
Sesuai dengan Anggaran Dasar terakhir, Bank menyediakan Association, the Bank provides various banking products and
berbagai produk dan layanan perbankan yang mendukung services to support customer needs. These products and
kebutuhan nasabah sebagai berikut: [OJK C.4] services are as follows: [OJK C.4]
1. Giro; 1. Current Accounts;
2. Tabungan; 2. Savings;
3. Deposito; 3. Deposits;
4. Kredit/pembiayaan baik untuk segmen Wholesale maupun 4. Credit/financing for both the Wholesale and Retail segments;
Retail; dan and
5. Layanan termasuk transfer, pembayaran tagihan, top up, 5. Services, including transfers, bill payments, top-ups,
Rekening Dana Nasabah (RDN), Virtual Account, dan Virtual Customer Fund Accounts (RDN), Virtual Accounts, and Virtual
Debit Card. Debit Cards.
Visi, Misi, dan Nilai-Nilai Bank
Bank Vision, Mission, and Values [OJK C.1]
Visi: Vision:
Menjadi bank umum berbasis digital terbaik melalui aplikasi All To become the best digital-based general bank through an
in One dengan memanfaatkan ekosistem untuk memberikan All-in-One application by leveraging the ecosystem to provide
nilai tambah yang sebesar-besarnya bagi bangsa. maximum added value to the nation.
Misi: Mission:
Menyediakan produk dan layanan perbankan digital inovatif To provide innovative digital banking products and services that
terintegrasi dengan ekosistem yang memberikan solusi dan are integrated with an ecosystem that provides both solutions
seamless customer experience bagi nasabah serta memberikan and a seamless customer experience for customers, as well as
nilai tambah yang tinggi kepada seluruh pemangku kepentingan. deliver high added value to all stakeholders.
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Review Visi dan Misi oleh Manajemen Vision and Mission Review by Management
Visi dan Misi Bank ditetapkan dan diberlakukan melalui The Bank's Vision and Mission have been established and
kajian secara berkala untuk memastikan relevansinya dengan implemented through periodic reviews to ensure their
perkembangan lingkungan bisnis Bank. Pernyataan terkait Visi relevance to the Bank's evolving business environment. The
dan Misi Bank telah mendapatkan persetujuan bersama dari Bank's Vision and Mission statements have both received joint
Dewan Komisaris dan Direksi. Hingga saat ini, Dewan Komisaris approval from the Board of Commissioners and the Board of
dan Direksi menilai bahwa pencapaian Visi dan Misi Bank masih Directors. To date, the Board of Commissioners and the Board
relevan dengan perkembangan dan kondisi lingkungan bisnis of Directors remain of the assessment that the achievement of
tahun 2025 serta arah dan tujuan bisnis Bank. the Bank's Vision and Mission remains relevant aims in relation
to the developments and conditions of the Bank's business
environment in 2025, as well as the Bank's business direction
and objectives.
Nilai-Nilai Perusahaan Company Values
Data-driven: Data-driven:
Kami mengambil keputusan dan memecahkan masalah We make decisions and solve problems based on credible data
berdasarkan data dan informasi yang kredibel; and information;
Impact: Impact:
Kami memberikan solusi dan dampak positif kepada semua We provide solutions and positive impacts to all stakeholders;
stakeholders;
Growth: Growth:
Kami terus menerus tumbuh dan berkembang secara We continuously grow and develop sustainably for a better
berkesinambungan untuk masa depan yang lebih baik; future;
In harmony: In harmony:
Kami bekerjasama dengan semua pihak secara harmonis yang We collaborate harmoniously with all parties, focusing on
berorientasi pada hasil; results;
Transparency: Transparency:
Kami berperilaku jujur dan transparan dalam segala aspek We behave honestly and transparently in all aspects of our
pekerjaan; work;
Agility: Agility:
Kami tangkas beradaptasi terhadap semua perubahan yang We adapt quickly to all changes;
terjadi;
Learning: Learning:
Kami terus belajar, berbagi dan menerapkan pengetahuan dan We continuously learn, share, and apply new knowledge and
keterampilan baru untuk mengembangkan kompetensi diri. skills to develop our competencies.
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Skala Usaha
Business Scale [OJK C.3]
Uraian Satuan
2025 2024 2023
Description Unit
Jumlah Pegawai Tetap dan Kontrak Orang 538 475 380
(tidak termasuk outsource) People
Number of Full-Time and Contract Workers
(not including outsourced labor)
Pendapatan Operasional-Neto Jutaan Rupiah 1.961.863 1.446.728 1.159.330
Net Operating Income Millions of Rupiah
Pendapatan Bunga Bersih Jutaan Rupiah 1.436.668 1.117.502 1.036.755
Net Interest Income Millions of Rupiah
Pendapatan Operasional Lainnya Jutaan Rupiah 525.195 329.226 122.575
Other Operating Income Millions of Rupiah
Biaya kerugian Penurunan Nilai Aset Keuangan Jutaan Rupiah (413.360) (113.880) (47.942)
Cost of Allowance for Impairment Losses Millions of Rupiah
Biaya Operasional Jutaan Rupiah (799.401) (734.025) (535.827)
Operating Expenses Millions of Rupiah
Pendapatan Bunga Jutaan Rupiah 1.864.085 1.486.931 1.328.943
Interest Income Millions of Rupiah
Beban Bunga Jutaan Rupiah (423.267) (369.429) (292.188)
Interest Expenses Millions of Rupiah
Pendapatan Bunga Bersih Jutaan Rupiah 1.436.668 1.117.502 1.036.755
Net Interest Income Millions of Rupiah
Pendapatan Non-Operasional Bersih Jutaan Rupiah (13.217) 127 (287)
Non-Operating Income – Net Millions of Rupiah
Laba (Rugi) Sebelum Pajak Jutaan Rupiah 735.885 598.950 575.274
Income (Loss) Before Tax Expenses Millions of Rupiah
Laba (Rugi) Tahun Berjalan Jutaan Rupiah 574.261 467.106 444.566
Income (Loss) for the Current Year Millions of Rupiah
Jumlah Liabilitas Jutaan Rupiah 10.961.135 6.718.277 5.865.359
Total Liabilities Millions of Rupiah
Jumlah Ekuitas Jutaan Rupiah 7.508.938 7.265.737 6.885.076
Total Equity Millions of Rupiah
Jumlah Aset Jutaan Rupiah 18.470.073 13.984.014 12.750.435
Total Assets Millions of Rupiah
Wilayah Operasi Kantor beroperasi • 1 Kantor Pusat • 1 Kantor Pusat • 1 Kantor Pusat
Operational Areas Operational Offices • 2 Kantor Cabang • 2 Kantor Cabang • 2 Kantor Cabang
• 1 Head Office • 1 Head Office • 1 Head Office
• 2 Branch Offices • 2 Branch Offices • 2 Branch Offices
Per 31 Desember 2025, Bank memiliki karyawan sebanyak 538 As of 31 December, 2025, the Bank had 538 employees. This
orang, bertambah dibandingkan tahun 2024 dengan karyawan marked an increase compared to its 475 employees in 2024.
sebanyak 475 orang. Pembagian karyawan berdasarkan jenis Employee breakdowns by gender, position, age, education, and
kelamin, jabatan, usia, pendidikan, dan status ketenagakerjaan employment status are all fully disclosed in the Profile Chapter
disampaikan selengkapnya di Bab Profil Laporan Tahunan of the Bank's Annual Report. [OJK C.3]
Bank. [OJK C.3]
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Perubahan Signifikan pada Bank
Significant Changes at the Bank [OJK C.6]
Selama tahun 2025, Allo Bank terus memperluas jangkauan Throughout 2025, Allo Bank continued to expand its service
layanan dengan berupaya menjalin kemitraan strategis dengan reach by working to establish strategic partnerships with
berbagai ekosistem terkemuka melalui penerapan model Open various leading ecosystems throughout its Open Banking model
Banking dalam upaya mengembangkan ekosistem digital dan implementation process. The Bank designed this effort as a
meningkatkan nilai layanan finansial yang disediakan oleh means for it to develop a digital ecosystem that could enhance
Bank secara contextual, terutama untuk sektor-sektor yang its financial service value in a contextual manner, particularly
dekat dengan aspek-aspek kehidupan nasabah. Melalui kerja for sectors closely related to the lives of its customers. The Bank
sama tersebut, Bank berkeyakinan mampu meningkatkan is confident that this collaboration can enable it to sustainably
bisnis secara berkelanjutan serta terus berkontribusi pada grow its business and continue to contribute to the national
perekonomian nasional. economy.
Selain itu, Allo Bank memimpin pinjaman sindikasi senilai In addition, Allo Bank led a syndicated loan amounting to IDR3.7
Rp3,7 triliun, bersama dengan PT Bank Mega Tbk, kepada PT trillion, together with PT Bank Mega Tbk, to PT SKPlasma Core
SKPlasma Core Indonesia, perusahaan patungan antara SK Indonesia, a joint venture between SK Plasma, part of SK
Plasma, bagian dari SK Group Korea, dan Indonesia Investment Group Korea, and the Indonesia Investment Authority (“INA”).
Authority (“INA”), yang bergerak di bidang manufaktur Produk The company operates in the manufacturing of Plasma-Derived
Obat Derivat Plasma (PODP), dalam rangka mendukung Medicinal Products (PDMP), in support of the development of
pembangunan pabrik produk fraksionasi plasma darah pertama Indonesia’s first blood plasma fractionation facility. Through this
di Indonesia. Melalui kerja sama tersebut, Bank berkeyakinan partnership, the Bank became more confident in its ability to
mampu meningkatkan bisnis secara berkelanjutan serta terus sustainably grow its business and to continue contributing to
berkontribusi pada perekonomian nasional. the national economy.
Keanggotaan pada Asosiasi
Memberships in Associations [OJK C.5]
Bank bergabung dengan berbagai asosiasi dan perhimpunan The Bank has joined together with various associations and
yang memiliki kesamaan bidang usaha untuk mengikuti societies in similar business fields to stay abreast of current
perkembangan isu-isu terkini, sekaligus berkontribusi melalui issues and has also contribute through input and suggestions
pemberian masukan dan saran guna mendorong kemajuan to foster mutual progress. The associations and societies the
bersama. Adapun asosiasi dan perhimpunan yang diikuti Bank Bank took part in throughout 2025 encompass the following:
sepanjang tahun 2025 adalah sebagai berikut:
Skala (Lokal, Nasional, Regional,
Nama Status (Anggota, Pengurus) Internasional)
Name Status (Member, Management) Scale (Local, National, Regional,
International
Perhimpunan Bank Swasta Nasional (Perbanas) Anggota Nasional
National Private Banks Association (Perbanas) Member National
Asosiasi Sistem Pembayaran Indonesia (ASPI) Anggota Nasional
Indonesian Payment System Association (ASPI) Member National
Forum Komunikasi Direktur Kepatuhan Perbankan FKDKP) Anggota Nasional
Communication Forum of Banking Compliance Directors (FKDKP) Member National
Lembaga Alternatif Penyelesaian Sengketa (LAPS) SJK Anggota Nasional
Alternative Dispute Resolution Institution (LAPS) SJK Member National
Asosiasi Emiten Indonesia Anggota Nasional
Indonesian Public Listed Companies Association Member National
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Tata Kelola
Berkelanjutan
● Sustainable Governance
Tata kelola Perusahaan yang Baik (Good Good Corporate Governance represents
Corporate Governance) merupakan a a crucial foundation in the Indonesian
fondasi penting dalam industri banking industry, especially for digital
perbankan Indonesia, khususnya bagi banks like Allo Bank. The comprehensive
bank digital seperti Allo Bank. Penerapan implementation of good corporate
tata kelola secara menyeluruh tidak governance not only helsp to strengthens
hanya memperkuat daya saing Bank di the Bank's competitiveness in the midst
tengah dinamika industri yang semakin of increasingly competitive industry
kompetitif, tetapi juga menjadi prasyarat dynamics, it also is a prerequisite for
bagi keberlanjutan usaha jangka panjang long-term business sustainability and
serta peningkatan kepercayaan para increased stakeholder trust. In the context
pemangku kepentingan. Dalam konteks of rapidly evolving digital technology-
operasional berbasis teknologi digital based operations, strong governance
yang berkembang pesat, tata kelola yang has become increasingly essential for
kuat menjadi semakin esensial untuk ensuring the use of innovative and secure
memastikan pemanfaatan teknologi technology, effective risk management,
yang inovatif dan aman, pengelolaan and optimal protection of customer data
risiko yang efektif, serta perlindungan and information.
data dan informasi nasabah secara
optimal.
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Sejalan dengan perkembangan industri perbankan nasional In line with the development of the national banking industry and
dan sebagai upaya memperkuat penerapan tata kelola pada as part of an effort to strengthen governance implementation
bank, Otoritas Jasa Keuangan (OJK) telah menerbitkan in banks, the Financial Services Authority (OJK) has issued
Peraturan Otoritas Jasa Keuangan (POJK) No. 17 Tahun 2023 Financial Services Authority Regulation (POJK) No. 17 of 2023
tentang Penerapan Tata Kelola bagi Bank Umum (POJK Tata concerning the Implementation of Governance for Commercial
Kelola). Peraturan ini merupakan tindak lanjut dari amanat Banks (POJK Tata Kelola). This regulation follows up on the
Undang-Undang No. 4 Tahun 2023 tentang Pengembangan mandate of Law No. 4 of 2023 concerning the Development
dan Penguatan Sektor Keuangan. and Strengthening of the Financial Sector.
In accordance with its provisions, good governance in a bank
Berdasarkan ketentuan tersebut, tata kelola yang baik pada is defined as the structure, processes, and mechanisms of
bank didefinisikan sebagai struktur, proses, dan mekanisme bank management directed at conducting business activities
pengelolaan bank yang diarahkan untuk penyelenggaraan prudently while taking into account the interests of all
kegiatan usaha secara prudent dengan memperhatikan stakeholders, and while creating and optimizing company value
kepentingan seluruh pemangku kepentingan, menciptakan dan in a sustainable manner in ways that are based on laws and
mengoptimalkan nilai perusahaan secara berkelanjutan, serta regulations, standards, ethical values, principles, and generally-
berlandaskan pada peraturan perundang-undangan, standar, accepted practices.
nilai etika, prinsip, dan praktik yang berlaku umum.
Sebagai bagian dari industri perbankan nasional, Allo Bank As part of the national banking industry, Allo Bank is fully
berkomitmen penuh untuk menerapkan tata kelola yang committed to implementing good governance as stipulated
baik sebagaimana diatur dalam POJK Tata Kelola. Komitmen in the Financial Services Authority Regulation (POJK) on
tersebut diwujudkan melalui penerapan prinsip-prinsip Governance. This commitment is realized through the
tata kelola yaitu keterbukaan (transparency), akuntabilitas application of governance principles, namely transparency,
(accountability), tanggung jawab (responsibility), independensi accountability, responsibility, independence, and fairness and
(independency), serta kewajaran dan kesetaraan (fairness and equity. The implementation of these principles is carried out
equity). Penerapan prinsip-prinsip tersebut dilakukan secara consistently and in an integrated manner at all levels of the
konsisten dan terintegrasi di seluruh tingkatan organisasi guna organization to ensure the effectiveness of governance and the
memastikan efektivitas tata kelola dan pencapaian kinerja Bank achievement of sustainable Bank performance.
yang berkelanjutan.
Penanggung Jawab Penerapan Keuangan Berkelanjutan di Allo Bank
Person Responsible for Sustainable Finance Implementation at Allo Bank
Allo Bank meyakini bahwa penerapan keuangan berkelanjutan Allo Bank believes that the implementation of sustainable finance
sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan No. -- as stipulated in Financial Services Authority Regulation
51/POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan (POJK) No. 51/POJK.03/2017 concerning the Implementation
bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik of Sustainable Finance for Financial Services Institutions,
(POJK Keuangan Berkelanjutan) berkontribusi signifikan dalam Issuers, and Public Companies (POJK on Sustainable Finance)
memperkuat tujuan, fungsi, dan peran Bank sebagai lembaga -- significantly strengthens the Bank's objectives, functions,
pembiayaan. Penerapan keuangan berkelanjutan tersebut and role as a financing institution. The Bank's implementation
dipandang sebagai bagian integral dari upaya Bank dalam of sustainable finance is considered an integral part of its efforts
menciptakan nilai jangka panjang yang berkelanjutan. to create sustainable long-term value.
Dalam rangka mengukuhkan implementasi keuangan To strengthen its implementation of sustainable finance, Allo
berkelanjutan, Allo Bank melakukan sejumlah penyesuaian Bank has made several adjustments to its Good Corporate
terhadap penerapan Tata Kelola Perusahaan yang Baik dengan Governance (GCG) by integrating various environmental, social,
mengintegrasikan aspek lingkungan (environmental), sosial and governance (ESG) aspects. These governance adjustments
(social), dan tata kelola (governance) atau ESG. Penyesuaian include the regulation of those responsible for implementing
tata kelola tersebut di antaranya mencakup pengaturan sustainable finance, as stipulated in Appendix II of the POJK
penanggung jawab penerapan keuangan berkelanjutan on Sustainable Finance. This appendix regulates the duties
sebagaimana diatur dalam Lampiran II POJK Keuangan and responsibilities of Board of Directors and Board of
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Berkelanjutan. Lampiran tersebut mengatur antara lain tugas Commissioners members, of employees, officials, and/or work
dan tanggung jawab anggota Direksi dan Dewan Komisaris, units designated as responsible for implementing sustainable
pegawai, pejabat, dan/atau unit kerja yang ditetapkan sebagai finance, among other things.
penanggung jawab penerapan keuangan berkelanjutan.
Di Allo Bank, penerapan keuangan berkelanjutan secara At Allo Bank, the implementation of sustainable finance is
umum berada di bawah tanggung jawab Presiden Direktur generally under the responsibility of the President Director,
selaku pimpinan tertinggi Bank. Namun demikian, dalam as the Bank's highest leader. However, in its implementation,
pelaksanaannya, penerapan keuangan berkelanjutan sustainable finance involves almost all divisional leaders
melibatkan hampir seluruh pimpinan divisi di lingkungan within the Bank, including the Corporate Secretary, Funding,
Bank antara lain Sekretaris Perusahaan, Funding, Kredit, Credit, HRD, Finance, Procurement & Business Planning, and
HRD, Finance, Procurement & Business Planning, serta Risk Management and Compliance. This cross-functional
Manajemen Risiko dan Kepatuhan. Keterlibatan lintas fungsi ini involvement reflects the Bank's commitment to integrating
mencerminkan komitmen Bank untuk mengintegrasikan prinsip sustainable finance principles into all of its activities and
keuangan berkelanjutan ke dalam seluruh aktivitas dan proses business processes. [OJK E.1]
bisnis Bank. [OJK E.1]
Untuk memperkuat tata kelola yang mengedepankan prinsip To strengthen governance that prioritizes ESG principles while
ESG sekaligus menyelaraskannya dengan Rencana Aksi aligning them with the Bank's Sustainable Finance Action
Keuangan Berkelanjutan (RAKB), Allo Bank melakukan tiga Plan (RAKB), Allo Bank has made the following three policy
penyesuaian kebijakan dalam aspek manajemen risiko dan adjustments in risk management and the implementation of
penerapan Tata Kelola Perusahaan yang Baik sebagai berikut: Good Corporate Governance:
1. Melakukan pembaruan kebijakan perkreditan Bank 1. Updated the Bank's credit policy regarding credit provisions
terkait pengaturan pemberian kredit yang perlu dihindari that should be avoided, taking into account the impact of
dengan mempertimbangkan dampak aktivitas usaha yang prospective borrowers' business activities on environmental
dihasilkan dari calon debitur terhadap keberlangsungan sustainability and negative social impacts.
lingkungan hidup dan dampak negatif terhadap sosial.
2. Melakukan pembaruan terhadap Standard Operating 2. Updated the Bank's credit Standard Operating Procedure
Procedure (SOP) kredit terkait penerapan Keuangan (SOP) related to the implementation of Sustainable Finance;
Berkelanjutan; dan and
3. Melakukan sosialisasi dan peningkatan kesadaran 3. Conducted outreach and raising awareness when it
terhadap pemahaman keuangan berkelanjutan. Untuk came to sustainable finance. To minimize risks in ESG
meminimalisasi risiko dalam penerapan ESG, Allo Bank implementation, Allo Bank has set targets for adjusting
telah mencanangkan target penyesuaian dan pembaruan and updating its credit policies and credit SOPs, as well
kebijakan perkreditan Bank, SOP kredit, serta meningkatkan as increasing awareness of sustainable finance in industry
kesadaran atas keuangan berkelanjutan dalam analisis analysis. This will enhance stakeholder trust and support
industri dan akan meningkatkan kepercayaan pemangku sustainable development.
kepentingan dan mendukung pembangunan berkelanjutan.
Pengembangan Kompetensi Terkait Keuangan Berkelanjutan
Competency Development Related to Sustainable Finance
Allo Bank memberikan kesempatan seluas-luasnya kepada Allo Bank provides ample opportunity for the Board of
Dewan Komisaris, Direksi, Sekretaris Perusahaan, serta seluruh Commissioners, Board of Directors, Corporate Secretary, and
pimpinan divisi untuk mengikuti program pengembangan all division leaders to participate in competency development
kompetensi yang berkaitan dengan penerapan keuangan programs related to the implementation of sustainable finance.
berkelanjutan. Bank meyakini bahwa pengembangan The Bank believes that this competency development plays
kompetensi tersebut memiliki peran penting dalam mendukung a crucial role in supporting the effective implementation of
efektivitas implementasi keuangan berkelanjutan, baik pada sustainable finance, and affects both the reporting year and
tahun pelaporan maupun pada tahun-tahun berikutnya. any subsequent years. Details of the Bank's competency
Rincian kegiatan pengembangan kompetensi terkait keuangan development activities related to sustainable finance that it has
berkelanjutan yang dilaksanakan sepanjang tahun 2025 implemented throughout 2025 have been presented in the
disajikan dalam tabel berikut: [OJK E.2] following table: [OJK E.2]
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Tabel Pengembangan Kompetensi Terkait Keuangan Berkelanjutan Tahun 2025
Table of Competency Development Related to Sustainable Finance in 2025
Nama Jabatan/Posisi Tanggal Institusi Penyelenggara Topik
Name Office/Position Date Hosting Institution Topic
Dewan Komisaris
Board of Commissioners
Aviliani Komisaris Utama 13 Februari 2025 Banker Association for Risk Refreshment Sertifikasi Manajemen Risiko Jenjang 6
President 13 February, 2025 Management (BARA) Risk Management Certification Level 6 Refreshment
Commissioner
Rosmaya Komisaris 13 Februari 2025 Banker Association for Risk Refreshment Sertifikasi Manajemen Risiko Jenjang 6
Independen 13 February, 2025 Management (BARA) Risk Management Certification Level 6 Refreshment
Independent
Commissioner
Ali Komisaris 13 Februari 2025 Banker Association for Risk Refreshment Sertifikasi Manajemen Risiko Jenjang 6
Gunawan Commissioner 13 February, 2025 Management (BARA) Risk Management Certification Level 6 Refreshment
Direksi
Board of Directors
Ari Plt. Direktur 13 Februari 2025 Banker Association for Risk Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Yanuanto Utama; Direktur 13 February, 2025 Management (BARA) Risk Management Certification Level 7 Refreshment
Asah Keuangan,
24 Maret 2025 Allo Bank Sharing Session Core Values Allo Bank
Operasional &
24 March, 2025
Human Capital
Plt. Direktur 23 Mei 2025 LPP RMG Internal Control Over Financial Reporting
Utama; Direktur 23 May, 2025
Keuangan,
Operasional & 12 September 2025 Bank Indonesia FGD BI Penataan Struktur Industri SP
Human Capital 12 September, 2025 BI Focus Group Discussion on the Structural
Restructuring of the SP Industry
20 September 2025 Artajasa Members Meeting & ATM Bersama Awards 2025
20 September, 2025 Bersama Infobank
Members Meeting & ATM Bersama Awards 2025 with
Infobank
18 November 2025 OJK & IDX CEO Networking 2025 Managing Global Trade and
18 November, 2025 Empowering Business Strategy
19 Desember 2025 OJK Sosialisasi Sharing Roadmap Perbankan Digital by OJK
19 December, 2025 Dissemination of the Digital Banking Roadmap by OJK
Sajal Direktur Digital 13 Februari 2025 Banker Association for Risk Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Bhatnagar Digital Director 13 February, 2025 Management (BARA) Risk Management Certification Level 7 Refreshment
24 Maret 2025 Allo Bank Sharing Session Core Values Allo Bank
24 March, 2025
Ganda Direktur Risiko, 13 Februari 2025 Banker Association for Risk Refreshment Sertifikasi Manajemen Risiko Jenjang 7
Raharja Kepatuhan & 13 February, 2025 Management (BARA) Risk Management Certification Level 7 Refreshment
Rusli Hukum
Risk, Compliance
& Legal Director 13 Februari 2025 Allo Bank Sharing Session with Responsible Person
13 February, 2025
20 Februari 2025 Allo Bank Risk Management Forum Q1 2025
20 February, 2025
26 Februari 2025 PPATK Pertemuan Koordinasi Tahunan PPATK Tahun 2025
26 February, 2025 PPATK Annual Coordination Meeting 2025
03 Juli 2025 Allo Bank Webinar Agentic AI in Finance A New Era of
3 July, 2025 Autonomous Decision Making
14 Agustus 2025 FKDKP Pembekalan Sertifikasi APU PPT dan PPPSPM
14 August, 2025 AML, CFT, and PPPSPM Certification Briefing
19 Agustus 2025 Satgas PASTI Launching Kampanye Nasional Berantas Scam dan
19 August, 2025 Aktivitas Keuangan Ilegal
Launching of the National Campaign to Eradicate Scams
and Illegal Financial Activities
19 Agustus 2025 OJK Risk And Governance Summit (RGR) Tahun 2025
19 August, 2025
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Nama Jabatan/Posisi Tanggal Institusi Penyelenggara Topik
Name Office/Position Date Hosting Institution Topic
24 Oktober 2025 LSPP Uji Sertifikasi APU PPT & PPPSPM (Anti Pencucian
24 October, 2025 Uang, Pencegahan Pendanaan Terorisme &
Pencegahan Pendanaan Proliferasi Senjata Pemusnah
Massal) Jenjang 7 Direksi
AML, CFT & PPPSPM (Anti-Money Laundering,
Counter-Terrorism Financing, and Counter-Proliferation
of Weapons of Mass Destruction) Certification Test for
Level 7 Directors
6 November 2025 FKDKP Pembekalan Sertifikasi Kepatuhan
6 November, 2025 Compliance Certification Briefing
27 November 2025 PPATK Diseminasi Hasil Penilaian FIR on ML/TF (Financial
27 November, 2025 Integrity Rating on Money Laundering and Terrorism
Financing) Tahun 2025
Dissemination of Financial Integrity Rating on
Money Laundering and Terrorism Financing (FIR/TF)
Assessment Results in 2025
19 Desember 2025 OJK Sosialisasi Sharing Roadmap Perbankan Digital by OJK
19 December, 2025 Dissemination of the Digital Banking Roadmap by the
Financial Services Authority (OJK)
30 Desember 2025 IDX Acara Penutupan Perdagangan PT Bursa Efek Indonesia
30 December, (BEI) Tahun 2025 dan Pembukaan Perdagangan BEI
2025 Tahun 2026
Closing of Trading Ceremony at the Indonesia Stock
Exchange (IDX) in 2025 and Opening of Trading at the
IDX in 2026
Komite di bawah Dewan Komisaris
Committees under the Board of Commissioners
Siswandi Anggota Komite 28 Agustus 2025 Banker Association for Risk Refreshment Manajemen Risiko Jenjang 7 - Komite
Pujo Audit, dan anggota 28 August, 2025 Management (BARA) Level 7 Risk Management Refreshment - Committee
Sasongko Komite Pemantau
Risiko
Member of the
Audit Committee
and member of the
Risk Monitoring
Committee
Lista Irna Anggota Komite 10 November 2025 Banker Association for Risk Refreshment Manajemen Risiko Jenjang 7 - Komite
Audit, dan anggota 10 November, 2025 Management (BARA) Level 7 Risk Management Refreshment - Committee
Komite Pemantau
Risiko
Member of the
Audit Committee
and member of the
Risk Monitoring
Committee
Netty Anggota Komite 4 Februari 2025 Sosialisasi Launching Lembaga Asosiasi Sistem Pembayaran Indonesia
Delima Remunerasi dan February 4, 2025 Sertifikasi Profesi (LSP) Sistem Indonesian Payment System Association
Nominasi Pembayaran Indonesia
Member of Dissemination of the Launch of
Remuneration the Indonesian Payment System
and Nomination Professional Certification Institute
Committee (LSP)
5 Maret 2025 Sosialisasi Program JSHK Disnakertrans DKI Jakarta
March 5, 2025 Dissemination of the JSHK Jakarta Manpower and Transmigration Office
Program
24 Maret 2025 Sharing Session Core Values Allo Bank
March 24, 2025 Allo Bank
30 April 2025 Refreshment Sertifikasi RDS Consultant
April 30, 2025 Manajemen Risiko Jenjang 5
Level 5 Risk Management
Certification Refreshment
14 Agustus 2025 Sharing Session Work Smarter Allo Bank
August 14, 2025 Transforming Productivity With
AI
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Nama Jabatan/Posisi Tanggal Institusi Penyelenggara Topik
Name Office/Position Date Hosting Institution Topic
30 Oktober 2025 Indonesia Banking Innovation FKDOP
October 30, 2025 Conclave
3 Desember 2025 3P Compensation Mercer
December 3, 2025
Willyardo Pejabat Pelaksana 24 Maret 2025 Allo Bank Sharing Session Core Values Allo Bank
Halim Tugas (Plt.) Kepala 24 March, 2025
Partahi Divisi Audit
30 April 2025 RDS Consultant Refreshment Sertifikasi Manajemen Risiko Jenjang 5
Napitupulu Internal
30 April, 2025 Level 5 Risk Management Certification Refreshment
Acting Head of
the Internal Audit 22 Juli 2025 Speak Up Academy Character Building Batch 4
Division 22 July, 2025
8 Oktober 2025 IAIB Training Auditing Treasury Business
8 October, 2025
Sekretaris Perusahaan
Corporate Secretary
Stacey Head, Sekretaris 6 Februari 2025 OJK Sosialisasi POJK No. 45 Tahun 2024 tentang
Aryadi Perusahaan dan 6 February, 2025 Pengembangan dan Penguatan Emiten dan Perusahaan
Suryoputro PMO Publik
Head, Corporate Dissemination of POJK No. Law No. 45 of 2024
Secretary, and concerning the Development and Strengthening of
PMO Issuers and Public Companies
20 Februari 2025 RDS Consultant Refreshment Sertifikasi Manajemen Risiko Jenjang 5
20 February, 2025 Level 5 Risk Management Certification Refreshment
24 Maret 2025 Allo Bank Sharing Session Core Values Allo Bank
24 March, 2025
14 Agustus 2025 Allo Bank Sharing Session Work Smarter Transforming Productivity
14 August, 2025 with AI
3 September 2025 PERBANAS Sosialisasi Bulan Inklusi Keuangan 2025
3 September, 2025 2025 Financial Inclusion Month Socialization
25 September 2025 IDX Indonesia Introductory to Investor Relations
25 September, 2025
25 September 2025 OJK OJK Peduli Cerdas (Capacity Building Edukasi dan
25 September, 2025 Literasi Keuangan Duta Se-Indonesia)
OJK Smart Cares (Capacity Building, Education
and Financial Literacy for Ambassadors Throughout
Indonesia)
17 November 2025 IDX Orange Forum 2025 Kerja Sama PT Bursa Efek
17 November, 2025 Indonesia dengan Impact Investment Exchange Pte.
Ltd. (IIX)
Orange Forum 2025: Collaboration between the
Indonesia Stock Exchange and Impact Investment
Exchange Pte. Ltd. (IIX)
* Bank telah melaksanakan Rapat Umum Pemegang Saham Luar Biasa pada 9 Oktober 2025 dimana pemegang saham Bank telah menyetujui dan
menerima pengunduran diri Bapak Indra Utoyo selaku Direktur Utama Bank terhitung sejak tanggal 10 Juli 2025. Sehubungan dengan kekosongan
jabatan Direktur Utama, Bank telah menunjuk Bapak Ari Yanuanto Asah sebagai Plt. Direktur Utama sesuai dengan Surat Keputusan Allo Bank No. 090/
DIRAB/25 tertanggal 10 Oktober 2025 tentang Penetapan Direktur Bidang.
* The Bank held an Extraordinary General Meeting of Shareholders on 9 October, 2025, during which the Bank's shareholders approved and accepted
the resignation of Mr. Indra Utoyo as President Director of the Bank effective 10 July, 2025. Due to the vacant position of President Director, the Bank
then appointed Mr. Ari Yanuanto Asah as Acting President Director in accordance with Allo Bank Decree No. 090/DIRAB/25 dated 10 October, 2025,
concerning the Appointment of Division Directors.
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Penilaian Risiko atas Penerapan Keuangan Berkelanjutan
Risk Assessment of Sustainable Finance Implementation [OJK E.3]
Allo Bank menerapkan tata kelola keberlanjutan sebagai bagian Allo Bank performs sustainability governance as an integral part
yang tidak terpisahkan dari penerapan Tata Kelola Perusahaan of its Good Corporate Governance (GCG) implementation. This
yang Baik (Good Corporate Governance/GCG). Komitmen ini commitment can be seen realized through the active role of
diwujudkan melalui peran aktif Direksi dan Dewan Komisaris, Allo Bank's Board of Directors and Board of Commissioners,
termasuk dukungan komite-komite di bawah Dewan Komisaris, including the support of committees under the Board of
dalam mengarahkan dan mengawasi integrasi aspek ekonomi, Commissioners, in directing and overseeing the integration of
lingkungan hidup, dan sosial ke dalam strategi bisnis, kebijakan economic, environmental, and social aspects into the Bank's
internal, serta proses pengambilan keputusan Bank. Penerapan business strategy, internal policies, and decision-making
tata kelola keberlanjutan juga didukung oleh koordinasi processes. This implementation of sustainability governance is
lintas fungsi, khususnya Komite Manajemen Risiko dan unit also supported by cross-functional coordination, particularly
kerja terkait lainnya, guna memastikan keselarasan dengan with the Risk Management Committee and other relevant work
ketentuan Otoritas Jasa Keuangan (OJK) dan prinsip kehati- units, to ensure alignment with Financial Services Authority
hatian perbankan. (OJK) regulations and prudential banking principles.
Sejalan dengan hal tersebut, Bank secara berkala melakukan In line with this, the Bank periodically conducts risk assessments
penilaian risiko atas penerapan keuangan berkelanjutan yang of its sustainable finance implementation that is integrated
terintegrasi dalam kerangka manajemen risiko perusahaan. within the Company's risk management framework. The
Penilaian risiko mencakup identifikasi, pengukuran, risk assessment includes the identification, measurement,
pemantauan, dan pengendalian risiko lingkungan, sosial, monitoring, and control of Environmental, Social, and
dan tata kelola (Environmental, Social, and Governance/ESG) Governance (ESG) risks inherent in the Bank's operational
yang melekat pada kegiatan operasional maupun portofolio activities and financing portfolio. The risks assessed include
pembiayaan. Risiko-risiko yang dinilai mencakup risiko kredit, credit risk, market risk, liquidity risk, operational risk, and climate
risiko pasar, risiko likuiditas, dan risiko operasional, serta risiko change-related risks that could potentially impact a debtor's
terkait perubahan iklim yang berpotensi mempengaruhi kinerja business performance and ability to meet payment obligations
usaha debitur dan kemampuan debitur dalam memenuhi to the Bank. The results of these risk assessments are reported
kewajiban pembayaran kepada Bank. Hasil penilaian risiko to management and serve as the basis for policy refinements,
tersebut dilaporkan kepada manajemen dan menjadi dasar risk mitigation measures, and strengthened oversight by the
dalam penyempurnaan kebijakan, penetapan langkah mitigasi Board of Directors and Board of Commissioners. Through
risiko, serta penguatan pengawasan oleh Direksi dan Dewan this approach, the Bank has worked to maintain business
Komisaris. Dengan pendekatan ini, Bank berupaya menjaga sustainability, enhance long-term business resilience, and
keberlanjutan usaha, meningkatkan ketahanan bisnis jangka contribute to sustainable and responsible economic growth.
panjang, serta berkontribusi pada pertumbuhan ekonomi yang
berkelanjutan dan bertanggung jawab.
Dalam rangka mencapai pengelolaan risiko yang optimal, Allo To achieve optimal risk management, Allo Bank has implemented
Bank menerapkan manajemen risiko dengan mengacu pada forms of risk management in accordance with Financial Services
Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 dan Authority Regulation No. 18/POJK.03/2016 and Financial
Surat Edaran Otoritas Jasa Keuangan No. 34/SEOJK.03/2016 Services Authority Circular Letter No. 34/SEOJK.03/2016
tentang Penerapan Manajemen Risiko bagi Bank Umum. concerning the Implementation of Risk Management for
Kerangka kerja manajemen risiko Bank menetapkan pendekatan Commercial Banks. The Bank's risk management framework
pengelolaan risiko dan kerangka pengendalian yang dirancang establishes a risk management approach and control framework
untuk mendapatkan keseimbangan antara tingkat risiko (risk) designed to achieve a balance between risk and return.
dengan tingkat pendapatan (return).
Allo Bank mengimplementasikan kerangka kerja manajemen Allo Bank has implemented its risk management framework
risiko melalui penetapan tingkat risiko yang akan diambil (risk by establishing a risk appetite and risk tolerance for each type
appetite) dan toleransi risiko (risk tolerance) untuk setiap jenis of risk. In addition, the Bank has developed and implemented
risiko. Selain itu, Bank menyusun dan menerapkan kebijakan relevant risk management policies and procedures that are
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serta prosedur manajemen risiko yang relevan, didukung oleh supported by a strengthened integrated internal control
penguatan struktur pengendalian internal yang terintegrasi. structure. The Bank has also continuously built a risk culture that
Bank juga secara berkelanjutan membangun budaya risiko emphasizes increased risk awareness among all employees and
yang menekankan peningkatan kesadaran seluruh pegawai the effective implementation of risk management processes
terhadap risiko serta efektivitas penerapan proses manajemen across the organization.
risiko di seluruh lini organisasi.
Adapun penerapan manajemen risiko di Allo Bank mengacu Allo Bank's risk management implementation is based on the
pada empat pilar manajemen risiko sebagai berikut: following four pillars:
1. Pengawasan aktif Dewan Komisaris dan Direksi; 1. Active oversight by the Board of Commissioners and Board
of Directors;
2. Kecukupan kebijakan, prosedur, dan penetapan limit 2. Adequate risk management policies, procedures, and limit
manajemen risiko; setting;
3. Kecukupan proses identifikasi, pengukuran, pemantauan, 3. Adequate risk identification, measurement, monitoring, and
dan pengendalian risiko serta sistem informasi manajemen control processes, as well as a risk management information
risiko; dan system; and
4. Sistem pengendalian internal yang menyeluruh. 4. A comprehensive internal control system.
Selain mengacu keempat pilar di atas, manajemen risiko In addition to the four aforementioned pillars, Allo Bank's risk
Allo Bank juga merujuk pada dokumen-dokumen dari Basel management also uses documents from the Basel Committee
Committee on Banking Supervision. on Banking Supervision as references.
Sepanjang tahun 2025, manajemen Allo Bank dengan Throughout 2025, Allo Bank's management, with the support
dukungan seluruh karyawan secara konsisten menerapkan of all of its employees, consistently implemented integrated and
manajemen risiko yang terintegrasi dan komprehensif comprehensive risk management to support the achievement
guna mendukung pencapaian target kinerja serta menjaga of its performance targets and to maintain business continuity.
keberlangsungan usaha. Bank meyakini bahwa penerapan The Bank believes that the implementation of a proactive
strategi manajemen risiko yang proaktif berperan penting risk management strategy plays a crucial role in increasing
dalam meningkatkan efektivitas pemanfaatan modal dan the effectiveness of capital utilization and the level of capital
tingkat pengembangan modal (return on equity) sehingga development (returns on equity), thereby creating sustainable
mampu menciptakan nilai tambah yang berkelanjutan bagi added value for shareholders.
para pemegang saham.
Penerapan manajemen risiko tersebut dilaksanakan dengan The implementation of this risk management is carried out
memperhatikan cakupan penilaian risiko secara menyeluruh by taking into consideration the scope of a comprehensive
melalui evaluasi profil risiko, baik dari aspek tingkat risiko risk assessment through an evaluation of risk profiles. This
inheren (inherent risk) maupun kualitas penerapan manajemen is both in terms of the inherent risk levels and the quality of
risiko. Sejalan dengan perkembangan regulasi, Bank juga risk management implementation. In line with regulatory
menyesuaikan indikator penilaian dengan mengacu pada developments, the Bank has also also adjusted its assessment
pendekatan Risk-Based Bank Rating (RBBR) guna memastikan indicators based on a Risk-Based Bank Rating (RBBR) approach
kepatuhan dan konsistensi dalam pengelolaan risiko. to ensure compliance and consistency in risk management.
Dalam rangka memperkuat implementasi manajemen risiko, To strengthen its risk management implementation, Allo Bank
Allo Bank secara berkelanjutan melakukan upaya peningkatan has continuously worked to improve its composite rating by
peringkat komposit melalui perbaikan dan evaluasi atas empat improving and evaluating the four main risk categories faced
kategori risiko utama yang dihadapi Bank, di samping risiko by the Bank, in addition to other relevant risks. These four main
lainnya yang relevan. Keempat risiko utama tersebut meliputi risks include credit risk, market risk, liquidity risk, and operational
risiko kredit, risiko pasar, risiko likuiditas, dan risiko operasional. risk. These efforts involve all elements of the organization and
Upaya ini dilaksanakan dengan melibatkan seluruh unsur are done under the supervision and direction of the Board of
organisasi, di bawah pengawasan dan arahan Dewan Komisaris Commissioners and the Board of Directors. They collectively
serta Direksi, yang secara kolektif memastikan bahwa penerapan ensure that risk management implementation is adequate and
manajemen risiko telah memadai dan sejalan dengan tingkat aligned with the Bank's level of complexity and risk profile, and
kompleksitas serta profil risiko Bank, serta bahwa Bank memiliki that the Bank has a sound understanding of the types and
pemahaman yang baik atas jenis dan tingkat risiko yang melekat levels of risk inherent in all business activities.
pada seluruh kegiatan usaha.
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Dalam struktur tata kelola, Direksi bertanggung jawab untuk Within the governance structure, the Board of Directors is
mengelola dan memastikan efektivitas proses manajemen responsible for managing and ensuring the effectiveness
risiko di seluruh kegiatan usaha Bank. Tanggung jawab tersebut of the risk management process across all of the Bank's
mencakup penetapan kebijakan dan kerangka manajemen business activities. This responsibility includes establishing
risiko, integrasi manajemen risiko ke dalam strategi dan proses risk management policies and frameworks, integrating risk
bisnis, serta pemantauan profil risiko secara berkala. Direksi management into business strategies and processes, and
secara rutin melakukan telaah atas laporan manajemen risiko regularly monitoring the risk profile. The Board of Directors
yang disusun oleh unit kerja terkait, termasuk risiko strategis, regularly reviews risk management reports prepared by relevant
operasional, keuangan, serta risiko lingkungan, sosial, dan work units, including strategic, operational, financial, and
tata kelola (Environmental, Social, and Governance/ESG) guna environmental, social, and governance (ESG) risks, all of which
memastikan kecukupan langkah mitigasi risiko dan kepatuhan is done to ensure the adequacy of risk mitigation measures and
terhadap ketentuan Otoritas Jasa Keuangan (OJK). compliance with Financial Services Authority (OJK) regulations.
Sejalan dengan peran Direksi tersebut, Dewan Komisaris In line with the Board of Directors' role, the Board of
menjalankan fungsi pengawasan dan peninjauan independen Commissioners carries out oversight and independent reviews
atas efektivitas penerapan manajemen risiko. Dalam pelaksanaan on the effectiveness of risk management implementation.
tugasnya, Dewan Komisaris didukung oleh Komite Pemantau In carrying out its duties, the Board of Commissioners is
Risiko dan/atau Komite Audit yang melakukan penelaahan supported by the Risk Monitoring Committee and/or the
secara berkala terhadap kebijakan, penerapan, dan profil risiko Audit Committee, both of which periodically review the Bank's
Bank, serta mengevaluasi kecukupan sistem pengendalian policies, implementation, and risk profile, as well as evaluate the
internal. Hasil penelaahan tersebut menjadi dasar bagi Dewan adequacy of the Bank's internal control system. The results of
Komisaris dalam memberikan arahan dan rekomendasi kepada these reviews serve as the basis for the Board of Commissioners
Direksi guna memastikan proses manajemen risiko berjalan in providing direction and recommendations to the Board of
secara efektif, selaras dengan strategi Bank, serta mendukung Directors to ensure the risk management process is effective,
keberlanjutan usaha jangka panjang. that it is aligned with the Bank's strategy, and that it supports
long-term business sustainability.
Hubungan dengan Pemangku Kepentingan
Stakeholder Relations [OJK E.4]
Komunikasi yang efektif serta hubungan yang harmonis Effective communication and harmonious relationships
antara Allo Bank dan seluruh pemangku kepentingan, baik between Allo Bank and all stakeholders (both internal and
internal maupun eksternal, merupakan fondasi utama dalam external) serve as the main foundations for achieving optimal
mewujudkan kinerja Bank yang optimal dan berkelanjutan. and sustainable Bank performance. The Bank uses Financial
Mengacu pada Peraturan Otoritas Jasa Keuangan (POJK) No. Services Authority Regulation (POJK) No. 17 of 2023 concerning
17 Tahun 2023 tentang Penerapan Tata Kelola bagi Bank Umum the Implementation of Governance for Commercial Banks
(POJK Tata Kelola), pemangku kepentingan didefinisikan sebagai (POJK Tata Kelola) as a reference towards this end. Through
seluruh pihak yang memiliki kepentingan, baik secara langsung this regulation, stakeholders are defined as all parties with
maupun tidak langsung, terhadap kegiatan usaha Bank. an interest (either directly or indirectly) in the Bank's business
Berdasarkan pengertian tersebut, Allo Bank mengidentifikasi activities. On the basis of this definition, Allo Bank has identified
pemangku kepentingan sebagai kelompok atau individu yang stakeholders as groups or individuals impacted by the Bank's
terdampak oleh kegiatan, produk, dan layanan Bank, sekaligus activities, products, and services, and who also influence the
memiliki pengaruh terhadap keberhasilan penerapan strategi successful implementation of the Bank's strategies and the
serta pencapaian tujuan Bank. achievement of its objectives.
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Untuk membangun dan menjaga hubungan yang harmonis, To build and maintain harmonious relationships, Allo Bank has
Allo Bank melaksanakan pelibatan pemangku kepentingan implemented forms of planned and continuous stakeholder
secara terencana dan berkesinambungan sesuai dengan engagement in accordance with the interests of each party.
kepentingan masing-masing pihak. Proses pelibatan tersebut This engagement process includes the Bank's efforts to
mencakup upaya Bank dalam memahami dan memenuhi understand and meet stakeholder expectations by utilizing its
harapan pemangku kepentingan melalui pemanfaatan sumber resources appropriately and responsibly, and in accordance
daya yang dimiliki secara tepat, bertanggung jawab, serta with applicable laws and regulations.
sejalan dengan ketentuan peraturan perundang-undangan
yang berlaku.
Allo Bank secara konsisten melibatkan pemangku kepentingan Allo Bank has consistently engaged with stakeholders as part of
sebagai bagian dari komitmen Bank untuk meningkatkan its commitment to increasing transparency and accountability,
transparansi dan akuntabilitas, sekaligus memperoleh masukan all while also obtaining constructive feedback for performance
yang konstruktif bagi peningkatan kinerja serta pengembangan improvement and product and service development tailored to
produk dan layanan yang sesuai dengan kebutuhan nasabah. customer needs. Furthermore, stakeholder engagement plays
Selain itu, pelibatan pemangku kepentingan juga memiliki a strategic role in supporting the implementation of sustainable
peran strategis dalam mendukung implementasi keuangan finance and good corporate governance within the Bank.
berkelanjutan dan penerapan tata kelola perusahaan yang baik
di Bank.
Berdasarkan uraian tersebut, pemangku kepentingan Allo Bank In accordance with the aforementioned description, Allo Bank's
beserta metode pelibatan yang diterapkan disajikan sebagai stakeholders and the engagement methods encompass the
berikut: following:
Pemangku Kepentingan Metode Pendekatan
Stakeholders Approach Method
Nasabah dan Klien Masukan, keluhan dan permintaan informasi mengenai produk dan layanan perbankan dapat diakses setiap waktu
Customers and Clients melalui website Allo Bank.
Feedback, complaints, and requests for information regarding banking products and services can be accessed at
any time through Allo Bank's website.
Investor Kinerja financial dan pelaksanaan strategi perusahaan dijelaskan pada publik dan laporan-laporan yang
dipublikasikan serta rapat umum pemegang saham tahunan.
The Company's financial performance and strategy implementation are publicly disclosed through published reports
and annual general shareholder meetings.
Regulator Kepatuhan dan pelaksanaan prinsip kehati-hatian dan tata kelola perusahaan yang baik dalam rapat dan diskusi
dengan Regulator saat diperlukan.
Compliance and implementation of prudential principles and good corporate governance are addressed in
meetings and discussions with regulators when necessary.
Masyarakat Program pemberdayaan melalui kegiatan CSR (Corporate Social Responsibility).
Community Empowerment programs through CSR (Corporate Social Responsibility) activities.
Permasalahan dalam Penerapan Keuangan Berkelanjutan
Issues in Sustainable Finance Implementation [OJK E.5]
Sepanjang tahun 2025, Allo Bank telah berupaya secara optimal Throughout 2025, Allo Bank has made optimal efforts
dalam menerapkan keuangan berkelanjutan, termasuk melalui to implement sustainable finance, including through its
pelaksanaan program-program prioritas yang tercantum dalam implementation of priority programs outlined in its 2025
Rencana Aksi Keuangan Berkelanjutan (RAKB) Tahun 2025. Sustainable Finance Action Plan (RAKB). Consistent with its
Konsisten dengan pengembangan bisnis yang berbasis digital, efforts at digital-based business development, the Bank has
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pada tahun 2025, Bank meraih berbagai penghargaan dan received the following awards and forms of recognition in 2025
pengakuan dari berbagai pihak independen eksternal sebagai from various external independent parties:
berikut:
1. Memenangkan dua penghargaan dalam Strategy and 1. It won two awards at the Strategy and Performance Execution
Performance Execution Excellence (SPEx2) Award 2025, Excellence (SPEx2) Award 2025, themed "Business Model
bertemakan Business Model Innovation in Uncertain Innovation in Uncertain Times," organized by Kontan Media
Times, yang diselenggarakan oleh Media Kontan dan GML and GML Performance Consulting in two categories: (i)
Performance Consulting untuk dua kategori: (i) The Best The Best Execution Winner in the Digital Banking Industry;
Execution Winner in Digital Banking Industry; (ii) Special (ii) Special Recognition: Excellence in Product Strategy &
Recognition: Excellence in Product Strategy & Innovation Innovation for its flexible savings product, Allo Grow;
untuk produk tabungan flexible Allo Grow;
2. Dinobatkan sebagai The Best KBMI II Bank oleh media 2. It was named The Best KBMI II Bank by Investor Trust media
Investor Trust dalam acara The Best Bank 2025 award during the Best Bank 2025 awards program;
programme;
3. Menerima pengakuan sebagai The Best Digital Bank in 3. It received recognition as The Best Digital Bank in Excellence
Excellence Call Center 2025 oleh media InfoBank; dan Call Center 2025 by InfoBank media; and
4. Produk tabungan flexible AlloGrow berhasil memenangkan 4. Its flexible savings product, Allo Grow, won the Omni Brands
Omni brands of the Year 2025 award untuk kategori New of the Year 2025 award for the New Product Campaign
Product Campaign in Multiplatform dari media Marketeers, in Multiplatform category from Marketeers media. This
yang mencerminkan pengakuan atas pendekatan omni reflected recognition for its creative and innovative omni-
channel marketing secara kreatif dan inovatif. channel marketing approach.
Sejalan dengan itu, untuk mengatasi tantangan yang timbul Similarly, to address the challenges that emerged for the Bank
pada tahun 2024, yaitu belum sepenuhnya tercapai kesamaan in 2024 -- specifically, the lack of a fully shared understanding
pemahaman terkait konsep keuangan berkelanjutan, when it came to the concept of sustainable finance, including
termasuk pemahaman atas pelaksanaan Rencana Aksi the implementation of the Sustainable Finance Action Plan
Keuangan Berkelanjutan (RAKB) di seluruh lini organisasi, (RAKB) across all organizational levels -- the Bank established
Bank telah menetapkan strategi dan program tindak lanjut strategies and follow-up programs it implemented in 2025.
yang direalisasikan pada tahun 2025. Untuk meningkatkan To improve employee competency, for example, the Bank
kompetensi karyawan misalnya, Bank melakukan berbagai conducted various online internal training programs and
program training internal secara daring dan sertifikat yang awarded employees with online certificates. The Bank used
diberikan kepada karyawan berbentuk sertifikat secara online. KnowBe4 as a web-based platform to conduct regular
Bank menggunakan KnowBe4 sebagai platform web based employee training activities. One such training program,
untuk melakukan training secara berkala kepada karyawan. Sustainable Banking Awareness, took place in August 2025
Salah satu pelaksanaan pelatihan terkait Sustainable Banking and featured the attendance of all employees.
Awareness diikuti oleh seluruh karyawan pada bulan Agustus
2025.
Selanjutnya, dalam rangka membangun awareness mengenai Furthermore, to build awareness of sustainable economics
ekonomi berkelanjutan di internal, Bank mengadakan sosialisasi internally, the Bank conducted outreach on sustainable culture
mengenai budaya berkelanjutan di tempat kerja melalui media in the workplace through Employee News and held outreach
Employee News, dan menyelenggarakan sosialisasi beserta sessions and quizzes for employees on sustainable banking.
kuis kepada karyawan terkait sustainable banking. Bank juga The Bank has also implemented an "Employee Risk Score" as
telah menerapkan “Employee Risk Score” sebagai salah satu an effort to continuously raise awareness of risk management
upaya untuk terus meningkatkan awareness mengenai budaya culture and employee compliance.
manajemen risiko, dan kepatuhan kepada karyawan.
Melalui implementasi berbagai program di atas, secara umum, Through the implementation of these various programs,
Bank tidak menghadapi permasalahan dalam menerapkan the Bank generally did not encounter any challenges in
keuangan berkelanjutan pada tahun pelaporan. implementing sustainable finance during the reporting year.
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Kinerja
Keberlanjutan
● Sustainability Performance
Allo Bank sebagai bagian dari lembaga Allo Bank, as part of the financial services
jasa keuangan di Indonesia berkomitmen institutions in Indonesia, is committed
untuk menerapkan keuangan to implementing sustainable finance as
berkelanjutan sebagaimana diatur stipulated in POJK No. 51/POJK.03/2017
dalam POJK No. 51/POJK.03/2017 concerning the Implementation of
tentang Penerapan Keuangan Sustainable Finance for Financial
Berkelanjutan bagi Lembaga Jasa Services Institutions, Issuers, and Public
Keuangan, Emiten, dan Perusahaan Companies (POJK on Sustainable
Publik (POJK Keuangan Berkelanjutan). Finance). This regulation defines
Regulasi ini mendefinisikan keuangan sustainable finance as comprehensive
berkelanjutan sebagai dukungan support from the financial services sector
menyeluruh dari sektor jasa keuangan to create sustainable economic growth
untuk menciptakan pertumbuhan by aligning economic, environmental,
ekonomi yang berkelanjutan dengan and social interests.
menyelaraskan kepentingan ekonomi,
lingkungan hidup, dan sosial.
Bagi Bank, keselarasan antara aspek For the Bank, alignment between
ekonomi, lingkungan hidup, dan sosial economic, environmental, and social
merupakan suatu keharusan karena aspects is essential as the the function of
fungsi perusahaan tidak hanya sebatas a company is not only to generate profits
menghasilkan laba, tetapi juga menjaga but also to maintain environmental
kelestarian lingkungan dan peduli sustainability and address social issues.
terhadap isu-isu sosial. Lebih dari itu, Furthermore, the Bank believes that the
Bank meyakini bahwa keselarasan alignment of these three aspects serves
ketiga aspek ini merupakan fondasi as a crucial foundation for actualizing
penting untuk mewujudkan bisnis yang a sustainable business and achieving
berkelanjutan dan mencapai kinerja optimal performance.
yang optimal.
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Kegiatan Membangun Budaya Keberlanjutan
Activities for Building a Culture of Sustainability [OJK F.1]
Dukungan Allo Bank terhadap penerapan keuangan Allo Bank's support for the implementation of sustainable
berkelanjutan diwujudkan melalui berbagai kebijakan seperti finance can be seen realized through its various policies, such
menyusun Rencana Aksi Keuangan Berkelanjutan (RAKB), as developing a Sustainable Finance Action Plan (RAKB),
mengembangkan produk dan/atau jasa keuangan berkelanjutan developing digital technology-based sustainable financial
berbasis teknologi digital, melaksanakan edukasi keuangan products and/or services, implementing sustainable finance
berkelanjutan dan berbagai langkah lainnya. Selain itu, untuk education, and its various other measures. Furthermore, to
memastikan implementasi keuangan berkelanjutan yang efektif, ensure the effective implementation of sustainable finance, Allo
Allo Bank mengadopsi 8 (delapan) prinsip sebagai panduan, Bank has adopted eight guiding principles:
yaitu:
1. Prinsip investasi bertanggung jawab; 1. Principle of responsible investment;
2. Prinsip strategi dan praktik bisnis berkelanjutan; 2. Principle of sustainable business strategies and practices;
3. Prinsip pengelolaan risiko sosial dan lingkungan hidup; 3. Principle of social and environmental risk management;
4. Prinsip tata kelola; 4. Principle of governance;
5. Prinsip komunikasi yang informatif; 5. Principle of informative communication;
6. Prinsip inklusif; 6. Principle of inclusiveness;
7. Prinsip pengembangan sektor unggulan prioritas; dan 7. Principle of developing priority leading sectors; and
8. Prinsip koordinasi dan kolaborasi. 8. Principle of coordination and collaboration.
Berdasarkan delapan prinsip tersebut, Bank menetapkan budaya On the basis of these eight principles, the Bank has established a
keberlanjutan sebagai komitmen untuk mengintegrasikan culture of sustainability as part of its commitment to integrating
prinsip-prinsip keberlanjutan dalam setiap aspek operasional sustainability principles into every aspect of its operations and
dan pengambilan keputusan. Untuk mendukung ini, sosialisasi decision-making. Towards this end, the Bank has promoted
budaya keberlanjutan dilakukan Bank melalui berbagai media its sustainability culture through various media and activities,
dan kesempatan seperti situs/website, media sosial, serta such as its website, social media, and through meetings
pertemuan antara manajemen dan karyawan, atau pertemuan between management and employees, as well as meetings with
dengan mitra kerja, masyarakat, dan pemangku kepentingan partners, the community, and other external stakeholders, both
eksternal lainnya, baik yang terjadwal maupun insidental. scheduled and ad hoc.
Sejalan dengan bidang usaha yang dijalankan oleh Allo Bank, In line with Allo Bank's business areas, its sustainability culture
budaya keberlanjutan diwujudkan melalui berbagai program can be seen actualized through various programs and policies,
dan kebijakan antara lain memberikan layanan setara kepada including providing equal service to customers, respecting
nasabah, menghargai hak asasi manusia, melaksanakan human rights, implementing CSR programs, implementing
program CSR, menerapkan operasional kantor yang ramah environmentally friendly office operations, creating a safe and
lingkungan, menciptakan lingkungan kerja yang aman dan healthy work environment in accordance with Occupational
sehat sesuai dengan prinsip Kesehatan dan Keselamatan Kerja Health and Safety (OHS) principles, and various other measures.
(K3), serta berbagai langkah lainnya.
Kinerja Ekonomi Berkelanjutan
Sustainable Economic Performance
Sekilas Ekonomi Global dan Nasional Global and National Economic Outlook
Pertumbuhan ekonomi global pada 2025 menghadapi tekanan Global economic growth in 2025 saw significant pressure
signifikan akibat ketegangan perdagangan internasional, risiko resulting from international trade tensions, geopolitical risks,
geopolitik, dan dampak pascapandemi yang belum sepenuhnya and the ongoing post-pandemic impacts. The IMF initially
pulih. IMF sempat memperkirakan pertumbuhan global sebesar projected global growth of 3.3%, then lowered it to around
3,3%, lalu turun menjadi sekitar 2,8 % karena kebijakan tarif 2.8% due to US tariffs and other trade barriers. This was then
AS dan hambatan perdagangan lain, kemudian direvisi kembali revised back to 3.0–3.2% as some global pressures eased.
menjadi 3,0–3,2 % seiring meredanya sebagian tekanan However, the growth rate remained below historical trends
global. Meski demikian, laju pertumbuhan tetap berada di before the pandemic.
bawah tren historis sebelum pandemi.
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Di sisi lain, Bank Dunia memproyeksikan pertumbuhan global On the other hand, the World Bank projected a more
yang lebih konservatif, hanya sekitar 2,3 % pada 2025, dengan conservative global growth of only around 2.3% in 2025, with
hampir 70 % negara mengalami pemotongan proyeksi akibat nearly 70% of countries experiencing projection cuts due to
lemahnya investasi, penurunan permintaan, dan ketidakpastian weak investment, declining demand, and trade uncertainty.
perdagangan. Walaupun resesi global tidak diperkirakan terjadi, While a global recession was not expected, the institution
lembaga ini menekankan bahwa dekade 2020-an berpotensi emphasized that the 2020s could potentially be the lowest
menjadi periode pertumbuhan global terendah sejak 1960-an period of global growth since the 1960s if the slowdown were
jika tren perlambatan berlanjut. to continue.
Dampak perlambatan global ini terlihat pada perdagangan, The impact of this global slowdown was visible in trade, capital
aliran modal, dan harga komoditas, yang menuntut negara flows, and commodity prices, requiring developing countries
berkembang untuk beradaptasi dengan kondisi lebih ketat. to adapt to tighter conditions. The decline in growth rates in
Penurunan laju pertumbuhan di banyak ekonomi utama many major economies also increased the risk of financial
juga meningkatkan risiko volatilitas pasar keuangan dan market volatility and slowed down post-pandemic recovery,
memperlambat pemulihan pascapandemi, terutama bagi sektor particularly for sectors dependent on exports and international
yang bergantung pada ekspor dan rantai pasok internasional. supply chains.
Di tengah kondisi global yang menantang, perekonomian Despite these challenging global conditions, the Indonesian
Indonesia tetap tangguh. BPS mencatat pertumbuhan ekonomi economy remained resilient. The Indonesia Statistics Agency
nasional tahun 2025 sebesar 5,11 %, meningkat dibanding (BPS) projected national economic growth in 2025 at 5.11%,
tahun sebelumnya, didorong oleh konsumsi domestik, investasi an increase compared to the previous year, driven by domestic
swasta dan pemerintah, serta ekspor yang tetap memberikan consumption, private and government investment, and exports,
kontribusi positif. Sinergi kebijakan fiskal, moneter, dan which continued to contribute positively. The synergy of fiscal
penguatan sektor riil berhasil menjaga daya beli, menciptakan and monetary policies and strengthening the real sector
lapangan kerja, dan mempertahankan stabilitas makroekonomi, successfully maintained purchasing power, created jobs, and
sehingga ekonomi nasional tetap resilient menghadapi maintained macroeconomic stability, ensuring the national
dinamika global. economy remained resilient in the face of global dynamics.
Kinerja Lapangan Usaha Jasa Keuangan 2025 Financial Services Business Sector Performance
2025
Sesuai dengan data yang dirilis BPS, pada tahun 2025, hampir According to data released by BPS, almost all business sectors
semua lapangan usaha/sektor di Indonesia menunjukkan in Indonesia showed positive growth in 2025, with the exception
pertumbuhan positif, terkecuali sektor pertambangan yang of the mining sector, which experienced negative growth. The
tumbuh negatif. Empat sektor dengan kontribusi terbesar four sectors with the largest contributions to the economy were
terhadap perekonomian adalah industri pengolahan yang the manufacturing industry, which grew by 5.30%; trade, which
tumbuh 5,30%; perdagangan dengan pertumbuhan sebesar grew by 5.49%; agriculture grew by 5.33%, and construction
5,49%; pertanian dengan pertumbuhan sebesar 5,33% by 3.81%. Although not a major contributor to the national
dan konstruksi dengan pertumbuhan sebesar 3,81. Walau economy, the financial services sector recorded positive growth
tidak termasuk penyumbang kontribusi terbesar terhadap of 3.96%.
perekonomian nasional, sektor jasa keuangan tercatat tumbuh
positif sebesar 3,96%.
Kinerja intermediasi perbankan juga menunjukkan tren positif Banking intermediation performance also demonstrated a
dengan profil risiko yang tetap terjaga dan likuiditas memadai. positive trend, with a maintained risk profile and adequate
Hingga November 2025, kredit tumbuh 7,74% secara tahunan liquidity. As of November 2025, credit grew by 7.74% annually
menjadi Rp8.314,48 triliun, yang sebagian besar disumbang oleh to IDR8,314.48 trillion. This was largely contributed by the
sektor pengangkutan dan pergudangan (18,33%), pengadaan transportation and warehousing sectors (18.33%), electricity,
listrik, gas, dan air (21,83%), industri pertambangan (11,0%), gas, and water supply (21.83%), mining (11.0%), and construction
serta konstruksi (8,14%). Pertumbuhan kredit ini menunjukkan (8.14%). This credit growth demonstrated improving demand
perbaikan permintaan di sektor riil dan kemampuan perbankan in the real sector and the banking industry's ability to disburse
dalam menyalurkan kredit secara efektif. credit effectively.
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Berdasarkan jenis penggunaan, Kredit Investasi mencatat In terms of type of use, investment credit recorded the highest
pertumbuhan tertinggi sebesar 17,98% yoy, terutama didorong growth of 17.98% year-on-year, primarily driven by the mining
oleh sektor pertambangan dan industri pengolahan. Kredit and manufacturing sectors. Consumer credit grew by 6.67%,
Konsumsi tumbuh 6,67%, sedangkan Kredit Modal Kerja while working capital credit increased by 2.04%. From the
meningkat 2,04%. Dari sisi debitur, kredit korporasi tumbuh debtor perspective, corporate credit grew 12.06%, while
12,06%, sementara kredit UMKM mengalami kontraksi kecil MSME credit experienced a small contraction of 0.64%. On
sebesar 0,64%. Di sisi penghimpunan dana, Dana Pihak Ketiga the fund collection side, Third Party Funds (TPF) remained
(DPK) tetap kuat dengan pertumbuhan 12,03% yoy menjadi strong, growing 12.03% year-on-year to IDR9,899.07 trillion,
Rp9.899,07 triliun, menunjukkan kepercayaan masyarakat demonstrating public confidence in the banking sector.
terhadap perbankan.
Sejalan dengan itu, kualitas kredit dan ketahanan perbankan Consequently, credit quality and banking resilience remained
tetap terjaga sepanjang 2025. Rasio NPL gross berada di level well-maintained throughout 2025. The gross NPL ratio remained
2,21% dan NPL net membaik menjadi 0,86%, sementara Loan at 2.21%, and the net NPL ratio improved to 0.86%, while the
at Risk turun menjadi 9,22%. Permodalan (CAR) perbankan Loan at Risk ratio decreased to 9.22%. Bank capital adequacy
tercatat tinggi pada 26,05%, menyediakan bantalan risiko ratio (CAR) was high at 26.05%, providing a strong risk cushion
yang kuat untuk menghadapi ketidakpastian global. Likuiditas to weather global uncertainty. Liquidity was also adequate,
juga cukup memadai dengan LCR sebesar 210,38% dan LDR with an LCR of 210.38% and an LDR of 83.99%. Furthermore,
sebesar 83,99%. Selain itu, penurunan suku bunga kredit dan declining lending and deposit interest rates further supported
DPK semakin mendukung pertumbuhan intermediasi dan intermediation growth and real sector expansion, ensuring the
ekspansi sektor riil, sehingga kinerja industri jasa keuangan financial services industry's performance remained solid and
tetap solid dan berkelanjutan. sustainable.
Rencana dan Kebijakan Strategis Bank Tahun Bank Strategic Plans and Policies for 2025
2025
Pada tahun 2025, industri perbankan Indonesia menghadapi In 2025, the Indonesian banking industry faced increasingly
tantangan yang semakin kompleks seiring dengan complex challenges along with technological developments
perkembangan teknologi dan perubahan perilaku konsumen. and changes in consumer behavior. Digital transformation was
Transformasi digital menjadi faktor utama yang memengaruhi a major factor impacting all aspects of banking operations, from
seluruh aspek operasional perbankan, mulai dari pelayanan customer service to risk management. As such, Indonesian
kepada nasabah hingga pengelolaan risiko. Untuk itu, bank- banks found themselves required to adapt quickly to the
bank di Indonesia harus dapat beradaptasi dengan cepat demands of new technologies such as artificial intelligence,
terhadap kebutuhan teknologi baru seperti kecerdasan buatan, blockchain, and service digitization, which required significant
blockchain, dan digitalisasi layanan yang mengharuskan investments in infrastructure and cybersecurity. Furthermore,
investasi besar dalam infrastruktur dan keamanan siber. Selain with the increasing number of fintech companies offering
itu, dengan semakin banyaknya fintech yang menawarkan more flexible and efficient financial services, traditional banks
layanan keuangan yang lebih fleksibel dan efisien, perbankan had to be able to compete in terms of innovation and product
tradisional harus mampu bersaing dalam hal inovasi dan development, all while remaining compliant with existing
pengembangan produk, tanpa mengabaikan regulasi dan regulations and provisions.
ketentuan yang ada.
Di sisi lain, kondisi perekonomian global yang tidak menentu Furthermore, the uncertain global economic conditions
serta dampak perubahan iklim juga menjadi tantangan besar and the impact of climate change also posed significant
bagi industri perbankan Indonesia. Krisis ekonomi global yang challenges for the Indonesian banking industry. A global
disebabkan oleh ketegangan geopolitik atau fluktuasi harga economic crisis caused by geopolitical tensions or fluctuating
komoditas dapat mempengaruhi kestabilan sektor keuangan, commodity prices could have also impacted the stability of the
termasuk meningkatnya risiko kredit dan penurunan kualitas financial sector, including through increased credit risks and
aset. Selain itu, perbankan harus menghadapi tekanan untuk deteriorated asset quality. Furthermore, banks faced pressure
mengintegrasikan aspek keberlanjutan dalam operasionalnya to integrate sustainability aspects into their operations in line
sesuai dengan tuntutan masyarakat dan regulasi yang semakin with public demands and increasingly stringent regulations
ketat terkait keuangan berkelanjutan. Bank-bank di Indonesia regarding sustainable finance. Banks in Indonesia were also
juga dituntut untuk lebih responsif dalam mendukung inklusi being challenged to be more responsive in supporting financial
keuangan, memastikan akses yang lebih luas bagi masyarakat, inclusion, ensuring broader access for the public, especially
terutama di daerah terpencil, agar lebih banyak orang dapat in remote areas, so that more people can enjoy safe and
menikmati layanan perbankan yang aman dan terjangkau. affordable banking services.
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Menghadapi berbagai tantangan tersebut, Allo Bank In the face of these challenges, Allo Bank implemented a
menerapkan sejumlah strategi inovatif guna memastikan number of innovative strategies to ensure sustainable growth.
pertumbuhan yang berkelanjutan. Salah satu langkah utama One key step was its strengthening of collaboration with
yang diambil adalah memperkuat kolaborasi dengan mitra strategic partners, both within and outside the CT Corpora
strategis, baik di dalam maupun di luar ekosistem CT Corpora, ecosystem. Doing this allowed the Bank to tap into a broader
yang memungkinkan Bank untuk memanfaatkan basis customer base. By implementing an open banking model, Allo
pelanggan yang lebih luas. Dengan mengimplementasikan Bank worked to improve the quality of its financial services,
model open banking, Allo Bank berupaya meningkatkan kualitas providing customers with ease and convenience in conducting
layanan finansialnya sehingga memberikan kemudahan dan transactions in the digital era.
kenyamanan bagi nasabah dalam bertransaksi di era digital.
Di sisi lain, di tengah ketidakpastian ekonomi, Allo Bank memilih Conversely, in the midst of economic uncertainty, Allo Bank
untuk menahan laju ekspansi pembiayaan dengan fokus pada chose to restrain its financing expansion by focusing on asset
kualitas aset. Dalam langkah ini, Bank mengadopsi pendekatan quality. This step saw the Bank adopting a cautious and selective
hati-hati dan selektif dalam menyalurkan kredit dengan prioritas approach in disbursing credit, prioritizing digital ecosystem-
pada pembiayaan berbasis ekosistem digital seperti paylater based financing such as paylater and digital credit integrated
dan kredit digital yang terintegrasi dengan transaksi nasabah. with customer transactions. Furthermore, Allo Bank targeted
Selain itu, Allo Bank menargetkan segmen mass affluent the mass affluent and emerging middle-class segments through
dan emerging middle class dengan fokus pada pembiayaan its focus on short-term, fast-turnover financing, leveraging data
berjangka pendek dan perputaran cepat, memanfaatkan data and technology to ensure optimal growth without sacrificing
dan teknologi untuk memastikan pertumbuhan yang optimal quality.
tanpa mengorbankan kualitas.
Dengan strategi pendanaan yang lebih efisien dan penguatan Thanks to its more efficient funding strategy and its strengthened
sistem peringatan dini, Allo Bank optimis dapat mencapai early warning system, Allo Bank found itself optimistic about
pertumbuhan aset yang berkelanjutan dan solid di masa depan. achieving sustainable and solid asset growth in the future. This
Pendekatan ini mencerminkan komitmen Bank untuk tumbuh approach reflected the Bank's commitment to selective yet
secara selektif, namun konsisten, sambil menjaga profil risiko consistent growth while maintaining a measured and data-
yang terukur dan berbasis data. driven risk profile.
Selanjutnya, selaras dengan Rencana Bisnis Bank, pada Furthermore, in line with the Bank's Business Plan, the Bank
tahun 2025, Bank merumuskan arah kebijakan terkait dengan formulated policy directions related to strategic business steps
langkah-langkah bisnis yang bersifat strategis dengan using a digital-based business approach in 2025. The needs of
pendekatan bisnis berbasis digital. Kebutuhan nasabah segmen Retail and Wholesale customers in conducting transactions in
Retail dan Wholesale dalam bertransaksi pada era digital adalah the digital era were the Bank's top priority, creating innovative
prioritas utama Bank dalam menciptakan produk dan layanan digital-based products and services that provided economic
berbasis digital yang inovatif dan memberikan kemanfaatan benefits not only to the Bank but also to customers.
ekonomi tidak hanya untuk Bank tetapi juga nasabah.
Selama tahun 2025 Bank akan menjalankan model bisnis Throughout 2025, the Bank implemented a hybrid business
hibrida di mana aktivitas segmen Retail dan Wholesale model in which Retail and Wholesale segment activities ran
akan berjalan secara beriringan dan terintegrasi untuk concurrently and in an integrated manner to support optimal
mendukung pertumbuhan bisnis Bank yang optimal. Bank business growth. The Bank prioritized digital-based activities
akan mengutamakan aktivitas berbasis digital (digital first) dan (digital first) and the integration of financial services with its
integrasi layanan finansial dengan ekosistem mitra (ecosystem partner ecosystem (ecosystem first) in running its business.
first) dalam rangka menjalankan bisnis Bank. Bank akan tetap The Bank continued to implement its three strategic pillars of
menerapkan 3 pilar strategi yaitu Acquisition, Engagement Acquisition, Engagement, and Monetization in developing its
dan Monetization dalam pengembangan aktivitas maupun activities and products. The Bank has also optimized its data
produk Bank. Bank akan melakukan optimalisasi kapabilitas analytics and Artificial Intelligence (AI) capabilities to generate
data analytics dan Artificial Intelligence (AI) untuk menghasilkan effective customer insights and efficient risk management.
Customer Insight yang efektif dan manajemen risiko yang Furthermore, the Bank continuously developed its human
efisien. Selain itu, Bank juga akan senantiasa mengembangkan resources and strengthen Good Corporate Governance in an
Sumber Daya Manusia dan memperkuat Good Corporate integrated and sustainable manner.
Governance secara terintegrasi dan berkesinambungan.
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Berpegang kepada arah kebijakan sebagaimana tersebut di In its adherence to this aforementioned policy direction, the
atas, Bank menetapkan langkah-langkah strategis tahun 2025 Bank has established the following strategic steps for 2025:
sebagai berikut :
1. Penetrasi pasar berdasarkan model bisnis Hibrida (Hybrid 1. Market penetration based on a Hybrid Business Model,
Business Model) dalam menawarkan produk dan layanan offering integrated products and services for the Retail and
segmen Retail dan Wholesale secara terintegrasi untuk Wholesale segments to grow the Bank's business through
menumbuhkan bisnis Bank melalui aktivitas Acquisition, Acquisition, Engagement, and Monetization activities.
Engagement, dan Monetization.
2. Pengembangan layanan digital untuk mencapai portofolio 2. Development of digital services to achieve a balanced and
aset dan liabilitas yang berimbang dan berkualitas antara high-quality asset and liability portfolio between the Retail
segmen Retail dan Wholesale. and Wholesale segments.
3. Penguatan kapabilitas Ecosystem Banking dalam rangka 3. Strengthening Ecosystem Banking capabilities through
kolaborasi yang intensif dengan mitra strategis untuk intensive collaboration with strategic partners to enhance the
meningkatkan nilai layanan finansial dan daya saing Bank. value of financial services and the Bank's competitiveness.
4. Optimalisasi kapabilitas data analytics dan Artificial 4. Optimizing data analytics and Artificial Intelligence (AI)
Intelligence (AI) untuk menghasilkan Customer Insight capabilities to generate effective customer insights and
yang efektif dan manajemen risiko yang efisien dalam efficient risk management in providing contextual financial
memberikan layanan finansial yang kontekstual kepada services to customers.
nasabah.
5. Penguatan sistem manajemen layanan yang didukung 5. Strengthening the service management system, supported
oleh teknologi sesuai standar best practice IT Service by technology in accordance with IT Service Management
Management (ITSM). (ITSM) best practice standards.
6. Pengembangan talenta DIGITAL untuk mendukung model 6. Developing digital talent to support the Hybrid business
bisnis Hibrida. model.
7. Penguatan Good Corporate Governance yang terintegrasi 7. Strengthening integrated and sustainable Good Corporate
dan berkelanjutan pada proses bisnis dan operasional Governance in business and operational processes as part
sebagai komitmen Bank untuk mendukung prinsip-prinsip of the Bank's commitment to supporting Environmental,
Environmental, Social, and Governance (ESG). Social, and Governance (ESG) principles.
Kinerja Allo Bank Tahun 2025 Allo Bank Performance in 2025
Sepanjang tahun 2025, badan tata kelola, manajemen dan Body, management, and all of its employees have been educated
seluruh karyawan Allo Bank telah melakukan sosialisasi dan and have synergized in implementing the aforementioned
bersinergi dalam menerapkan langkah-langkah strategis yang strategic steps as part of the Bank's efforts and commitment
disebutkan di atas sebagai bagian dari upaya dan komitmen to building a sustainability culture. This consistency and
Bank untuk membangun budaya keberlanjutan. Konsistensi commitment have yielded positive results, with the Bank's
dan kesungguhan tersebut membawa hasil positif dengan performance improving compared to the previous year. This
meningkatnya kinerja Bank dibanding tahun sebelumnya. achievement aligned with an increase in the Bank's customer
Pencapaian tersebut selaras dengan peningkatan nasabah per base, which reached 14 million customers as of 31 December,
31 Desember 2025 yang tercatat sebanyak 14 juta nasabah, 2025. It also demonstrates the Bank's successful penetration
sekaligus membuktikan bahwa Bank berhasil melakukan into tier 2 and tier 3 cities, driving competitive and sustainable
penetrasi ke kota-kota tier 2 hingga tier 3, yang mendorong growth. The Bank's comprehensive economic performance
pertumbuhannya secara kompetitif dan berkelanjutan. data can be seen in the following table: [OJK F.2].
Kinerja ekonomi lengkapnya dapat dilihat pada tabel berikut:
[OJK F.2].
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Tabel Perbandingan Target dan Kinerja Pembiayaan, Pendapatan, dan Laba Rugi
Tahun 2023-2025
Comparison Table of Targets and Performance in Financing, Revenue, and Profits and
Losses for 2023-2025
2025
Uraian Target dalam RBB Realisasi
%
Description BBP Targets Results
1 2 1:2
Total Aset 15.958.007 18.470.073 115,74%
Total Assets
Aset Produktif 14.882.770 17.588.906 118,18%
Productive Assets
Kredit/Pembiayaan Bank 9.550.000 9.140.731 95,71%
Bank Loans/Financing
Dana Pihak Ketiga 7.810.362 9.518.989 121,88%
Third-Party Funds
Pendapatan Operasional 1.769.190 1.961.863 110,89%
Operating Income
Beban Operasional 810.725 799.401 98,60%
Operating Expenses
Laba Bersih 416.895 574.261 137,75%
Net Profit
Rasio Kinerja (Persen)
Performance Ratios (Percentage)
Rasio Kecukupan Modal Minimum (KPMM) 68,54% 73,97% 107,92%
Minimum Capital Adequacy Ratio (CAR)
Aset Produktif Bermasalah dan Aset Non Produktif Bermasalah terhadap 1,00% 0,85% 84,59%
Total Aset Produktif dan Aset Non Produktif
Non-Performing and Non-Productive Assets to Total Productive Assets and
Non-Productive Assets
Aset Produktif Bermasalah terhadap Total Aset Produktif 1,00% 0,85% 84,59%
Non-Performing Productive Assets to Total Productive Assets
Cadangan Kerugian Penurunan Nilai (CKPN) Aset Keuangan terhadap Aset 1,12% 1,01% 90,22%
Produktif
Provision for Impairment Losses (CKPN) of Financial Assets to Productive
Assets
NPL Gross 1,57% 1,64% 104,44%
Gross NPL
NPL Net 0,96% 0,60% 63,00%
Net NPL
Return on Asset (ROA) 3,70% 4,91% 132,57%
Return on Equity (ROE) 5,88% 7,93% 134,94%
Net Interest Margin (NIM) 10,33% 10,11% 97,83%
Rasio Efisiensi (BOPO) 75,51% 68,92% 91,28%
Efficiency Ratio (BOPO)
Loan to Deposit Ratio (LDR) 122,27% 96,03% 78,53%
*) Hanya diisi oleh Bank yang diwajibkan untuk menyusun dan mempublikasikan perhitungan dan nilai Liquidity Coverage Ratio (LCR) Triwulanan
sebagaimana diatur dalam ketentuan mengenai kewajiban pemenuhan rasio kecukupan likuiditas (LCR) bagi Bank umum, Nilai LCR pertama kali disajikan
untuk posisi laporan bulan Maret 2019, [19] [20] [21]
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2024 2023
Target dalam RBB Realisasi Target dalam RBB Realisasi
% %
BBP Targets Results BBP Targets Results
3 4 3:4 5 6 5:6
(Rp Juta) | (Millions of IDR)
13.631.634 13.984.014 102,59% 12.300.150 12.750.435 103,66%
12.187.114. 13.319.824 109,29% 11.149.602 12.184.632 109,28%
7.934.589 7.478.035 94,25% 8.000.000 7.385.708 92,32%
5.304.804 6.095.118 114,90% 5.350.000 4.898.665 91,56%
1.339.031 1.446.728 108,04% 1.039.446 1.159.330 111,53%
663.035. 734.025 110,71% (612.986) (535.827) 87,41%
451.113 467.106 103,55% 324.896 444.566. 136,83%
77,90% 82,58% 106,01% 74,11% 83,35% 112.47%
0,47% 0,46% 98,98% 0,22% 0,05% 21,96%
0,47% 0,46% 98,98% 0,22% 0,05% 21,96%
0,70% 0,78% 111,63% 0,57% 0,51% 89,67%
0,72% 0,81% 113,63% 0,31% 0,08% 26,00%
0,44% 0,40% 91,10% 0,19% 0,05% 26,38%
4,59% 4,48% 97,55% 3,40% 4,76% 139,83%
6,51% 6,78% 104,13% 5,04% 6,70% 133,03%
9,49% 8,88% 93,56% 8,00% 9,01% 112,74%
64,66% 66,78% 103,28% 68,99% 59,87% 86,78%
149,57% 122,69% 82,03% 149,53% 150,77% 100,83%
*) This is only done by banks required to prepare and publish the calculation and value of the Quarterly Liquidity Coverage Ratio (LCR) as stipulated in
the provisions regarding the obligation to fulfill the liquidity coverage ratio (LCR) for commercial banks. The LCR value is first presented for the reporting
position. March 2019,[19] [20] [21]
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Sehubungan dengan penerapan POJK Keuangan Berkelanjutan, In connection with its implementation of a Financial Services
khususnya terkait pembiayaan atau investasi pada instrumen Authority Regulation (POJK) on Sustainable Finance,
keuangan atau proyek yang mendukung keberlanjutan, Allo specifically, one regarding financing or investment in financial
Bank telah melakukan pemetaan terhadap produk dan layanan instruments or projects that support sustainability, Allo Bank has
yang ditawarkan kepada nasabah. Pemetaan ini mengacu pada mapped the products and services it offers to customers. In
Pedoman Teknis bagi Bank dalam Implementasi POJK No. 51/ terms of references, this mapping uses the Technical Guidelines
POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan for Banks in Implementing POJK No. 51/POJK.03/2017
bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik concerning the Implementation of Sustainable Finance for
yang diterbitkan oleh OJK pada tahun 2018, serta Pasal 4, Financial Services Institutions, Issuers, and Public Companies,
Peraturan Otoritas Jasa Keuangan No. 60/POJK.04/2017 which was issued by the OJK in 2018, and Article 4 of
Tentang Penerbitan dan Persyaratan Efek Bersifat Utang Financial Services Authority Regulation No. 60/POJK.04/2017
Berwawasan Lingkungan (Green Bond) yang menjelaskan 11 concerning the Issuance and Requirements for Environmentally
(sebelas) Kegiatan Usaha Berwawasan Lingkungan (KUBL). Friendly Debt Securities (Green Bonds), which outlines 11
Selain ke-11 kategori, ditambahkan 1 (satu) kategori kegiatan (eleven) Environmentally Friendly Business Activities (KUBL).
usaha berkelanjutan, yaitu kategori Usaha Mikro, Kecil dan In addition to these 11 categories, one additional sustainable
Menengah (UMKM) sebagai perwujudan prinsip keuangan business activity category, specifically, Micro, Small, and
berkelanjutan, yaitu prinsip inklusif. Medium Enterprises (MSMEs), was added as a manifestation of
the principle of sustainable finance, specifically, the principle
of inclusion.
Berdasarkan pemetaan yang dilaksanakan Allo Bank mengenai In accordance with this mapping process carried out by Allo
produk dan layanan, maka Bank memiliki pembiayaan sesuai Bank regarding its products and services, the Bank's financing,
KUBL dengan mulai mengembangkan pembiayaan kepada which is in accordance with KUBL, has been developed for
segmen UMKM sejak tahun 2024 dengan pendekatan berbasis the MSME segment since 2024 with an ecosystem-based
ekosistem. [OJK F.3] approach. [OJK F.3]
Tabel Target dan Realisasi Pembiayaan/Investasi yang Sejalan dengan Penerapan
Keuangan Berkelanjutan Tahun 2025
Table of Targets and Realization of Financing/Investment Aligned with the Implementation
of Sustainable Finance in 2025
2025 2024 2023
Uraian
Description Target Realisasi Target Realisasi Target Realisasi
Target Realization Target Realization Target Realization
dalam jutaan Rupiah | In million Rupiah
Jenis Produk yang Memenuhi Kriteria Kegiatan Usaha Berkelanjutan
Number of Products Meeting the Criteria for Sustainable Business Activities
a. Penghimpunan Dana - - - - - -
Fundraising
b. Penyaluran Dana, termasuk kepada UMKM - - - - - -
Fund Distribution
Total Aset Produktif Kegiatan Usaha Berkelanjutan
Total Productive Assets of Sustainable Business Activities
a. Total Kredit/Pembiayaan Kegiatan Usaha Berkelanjutan - - - - - -
Total Credit/Financing for Sustainable Business Activities
(Trillions of IDR)
b. Total Non-Kredit/Non-Pembiayaan Kegiatan Usaha - - - - - -
Berkelanjutan
Financing for Non-Sustainable Business Activities (Trillions of
IDR)
Persentase Total Kredit/Pembiayaan Kegiatan Usaha - - - - - -
Berkelanjutan terhadap Total Kredit/Pembiayaan Bank (%)
Percentage of Total Credit/Financing for Sustainable Business
Activities to Total Bank Credit/Financing (%)
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Kemandirian dari Setetes Plasma
Independence from a Drop of Plasma
Industri kesehatan nasional mendapat suntikan baru. Bukan The national healthcare industry has received a new injection.
vaksin, melainkan kredit sindikasi senilai Rp3,7 triliun. PT It is not a vaccine, but a syndicated loan worth IDR3.7 trillion.
Allo Bank Indonesia Tbk bersama PT Bank Mega Tbk PT Allo Bank Indonesia Tbk and PT Bank Mega Tbk have
menggelontorkan pembiayaan kepada PT SKPlasma Core provided financing to PT SKPlasma Core Indonesia, a joint
Indonesia, perusahaan patungan antara SK Plasma, bagian venture between SK Plasma, part of SK Group, and Indonesia
dari SK Group, dan Indonesia Investment Authority (INA). Investment Authority (INA). The loan will be used to build
Kredit tersebut akan dipakai untuk membangun pabrik Indonesia's first blood plasma fractionation plant.
fraksionasi plasma darah pertama di Indonesia.
Proyek ini tak sekadar mendirikan bangunan dan memasang This project is not just about constructing buildings and
mesin. Ia menyasar persoalan lama: ketergantungan installing machines. It aims to address a long-standing issue:
pada impor produk obat derivat plasma. Selama ini, terapi dependence on imported plasma-derived drug products.
berbasis plasma, yang krusial bagi pasien imunodefisiensi, To date, plasma-based therapies, which are crucial for
autoimun, serta pencegahan dan pengobatan infeksi, banyak patients with immunodeficiency, autoimmune disorders,
bergantung pada pasokan luar negeri. Dengan fasilitas baru and the prevention and treatment of infections, have largely
di Karawang, rantai pasok diharapkan lebih pendek, biaya depended on foreign supplies. With the new facility in
lebih terkendali, dan akses pasien lebih terjamin. Di atas Karawang, the supply chain is expected to be shorter, costs
kertas, proyek ini juga menjanjikan efek berganda: lapangan more controllable, and patient access more guaranteed. On
kerja, alih teknologi, hingga peluang ekspor. paper, this project also promises multiple effects: job creation,
technology transfer, and export opportunities.
Awal Desember 2025, perusahaan patungan itu In early December 2025, the joint venture introduced
memperkenalkan dua produk: SK GammaBio dan SK Albumin. two products: SK GammaBio and SK Albumin. The launch
Peluncurannya digelar dalam rangkaian Hari Kesehatan was held as part of National Health Day, organized by the
Nasional yang diadakan oleh Kementerian Kesehatan Indonesian Ministry of Health. This moment marked the arrival
Republik Indonesia. Momen itu menandai hadirnya produk of the first plasma-derived drug products manufactured from
obat derivat plasma pertama yang diproduksi dari plasma Indonesian donor plasma, a long-awaited milestone.
donor Indonesia, sebuah tonggak yang lama dinantikan.
SK GammaBio adalah imunoglobulin berbasis plasma SK GammaBio is a plasma-based immunoglobulin for treating
untuk menangani imunodefisiensi, penyakit autoimun, serta immunodeficiency, autoimmune diseases, and the prevention
pencegahan dan pengobatan infeksi. Adapun SK Albumin and treatment of infections. Meanwhile, SK Albumin is used
digunakan dalam berbagai kondisi klinis, mulai dari luka in various clinical conditions, ranging from burns, nephrotic
bakar, sindrom nefrotik, sirosis hati, hingga syok hemoragik. syndrome, liver cirrhosis, to hemorrhagic shock. These two
Dua produk ini menjadi wajah awal dari ambisi yang lebih products are the first step in a larger ambition: to build a
besar: membangun ekosistem terapi plasma di dalam negeri. domestic plasma therapy ecosystem.
Chief Wholesale dan Treasury Allo Bank, Yogi Bima Sakti, Allo Bank's Chief Wholesale and Treasury Officer, Yogi
menyebut proyek ini sebagai investasi jangka panjang bagi Bima Sakti, called this project a long-term investment in
kesehatan publik. Bagi perbankan, kata dia, pembiayaan public health. For banks, he said, this financing is not just a
ini bukan sekadar transaksi finansial, melainkan bagian dari financial transaction, but part of building the foundation of
pembangunan fondasi ekosistem kesehatan nasional. Senada, the national health ecosystem. Similarly, Bank Mega President
Direktur Utama Bank Mega Kostaman Thayib menegaskan Director Kostaman Thayib emphasized the role of the CT
peran kelompok usaha CT Corp dalam mendukung agenda Corp business group in supporting the government's health
kemandirian kesehatan pemerintah, khususnya menjamin independence agenda, particularly in ensuring the availability
ketersediaan plasma darah yang aman dan berkelanjutan. of safe and sustainable blood plasma.
Presiden Direktur SKPlasma Core Indonesia, Ted Hyunho Roh, SKPlasma Core Indonesia President Director Ted Hyunho
melihat proyek ini sebagai langkah penting memulai produksi Roh views this project as an important move to start PODP
PODP di dalam negeri. Ia menekankan pembangunan production domestically. He emphasized the development of
kapasitas produksi berkelanjutan, penguatan keahlian sustainable production capacity, strengthening technological
teknologi, hingga pengembangan tenaga ahli sebagai bagian expertise, and developing experts as an integral part of the
tak terpisahkan dari investasi tersebut. Sementara itu, Ketua investment. Meanwhile, Chairman of the Board of Directors
Dewan Direktur INA Ridha Wirakusumah menilai fasilitas of INA Ridha Wirakusumah assessed this plasma fractionation
fraksionasi plasma ini sebagai fondasi industri, mulai dari facility as the foundation of the industry, starting from supply
kepastian pasokan, standar mutu, tata kelola produksi, hingga certainty, quality standards, production management, to
kesiapan infrastruktur. infrastructure readiness.
Langkah ini sejalan dengan Rencana Induk Bidang Kesehatan This initiative is in line with the government's Health Sector
pemerintah yang mendorong kemandirian dan inovasi Master Plan, which promotes pharmaceutical independence
farmasi. Dengan produksi dalam negeri, efisiensi dan and innovation. With domestic production, the efficiency and
keandalan rantai pasok obat diharapkan meningkat—yang reliability of the drug supply chain are expected to improve—
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pada akhirnya bisa menekan biaya dan memperbaiki mutu ultimately reducing costs and enhancing the quality of
layanan medis. Di belakang layar, proyek ini turut melibatkan medical services. Backstage, this project also involves the
dukungan sejumlah pemangku kepentingan, seperti Palang support of a number of stakeholders, such as the Indonesian
Merah Indonesia, Badan Pengawas Obat dan Makanan, serta Red Cross, the Indonesian Food and Drug Authority, and the
Kementerian Investasi dan Hilirisasi Republik Indonesia. Ministry of Investment and Downstreaming of the Republic
of Indonesia.
Bagi Indonesia, pabrik plasma ini lebih dari sekadar fasilitas For Indonesia, this plasma factory is more than just an
industri. Ia adalah taruhan pada kemandirian bahwa darah industrial facility. It is a commitment toward independence
yang didonorkan di dalam negeri, pada akhirnya, kembali that blood donated domestically will ultimately save lives in
menyelamatkan nyawa di negeri sendiri.*** its own country.***
Kinerja Lingkungan Keberlanjutan
Sustainable Environmental Performance
Industri perbankan memegang peranan strategis dalam The banking industry plays a strategic role in responding to
merespons dan mengatasi berbagai permasalahan lingkungan, and addressing various environmental issues, particularly
khususnya yang berkaitan dengan perubahan iklim yang kian those related to the increasingly pressing issue of climate
mendesak. Melalui fungsi intermediasi keuangan, bank memiliki change. Through their financial intermediary function, banks
kemampuan untuk mengarahkan alokasi sumber daya keuangan have the ability to direct the allocation of financial resources,
sehingga dapat memengaruhi keputusan investasi yang thereby influencing investment decisions that directly impact
berdampak langsung terhadap lingkungan. Penerapan prinsip the environment. The implementation of Environmental, Social,
Environmental, Social, and Governance (ESG) memungkinkan and Governance (ESG) principles enables banks not only to
perbankan tidak hanya mengelola risiko lingkungan dan manage environmental and social risks in a more structured
sosial secara lebih terstruktur, tetapi juga berkontribusi aktif manner but also to actively contribute to sustainability agendas.
terhadap agenda keberlanjutan. Dalam konteks ini, bank dapat In this context, banks can play a role by channeling financing
berperan dengan menyalurkan pembiayaan kepada proyek- to environmentally sound projects, such as renewable energy
proyek berwawasan lingkungan, seperti pengembangan energi development and carbon emission reduction initiatives, to
terbarukan dan inisiatif pengurangan emisi karbon, guna support the achievement of the Net Zero Emissions target by
mendukung pencapaian target Net Zero Emission pada tahun 2060 or sooner.
2060 atau lebih cepat.
Selain berfungsi sebagai instrumen pengelolaan risiko, perhatian In addition to serving as a risk management instrument,
bank terhadap isu lingkungan juga menjadi faktor penting attention to environmental issues is also a crucial factor for
dalam menjaga reputasi dan kepercayaan nasabah serta banks in maintaining the reputation and trust of customers
investor. Di tengah meningkatnya kesadaran publik terhadap and investors. In the midst of increasing public awareness of
isu keberlanjutan, lembaga perbankan yang mengabaikan sustainability issues, banking institutions that neglect social and
tanggung jawab sosial dan lingkungan berpotensi menghadapi environmental responsibility risk facing a decline in stakeholder
penurunan kepercayaan pemangku kepentingan. Lebih jauh, trust. Furthermore, inadequate ESG practices can have long-
praktik ESG yang tidak memadai dapat menimbulkan dampak term negative impacts, including increased credit risk and
negatif jangka panjang antara lain meningkatnya risiko kredit potential financial losses due to the impacts of climate change.
dan potensi kerugian finansial akibat dampak perubahan iklim. Based on these conditions, integrating environmental factors
Berangkat dari kondisi tersebut, integrasi faktor lingkungan into the decision-making process has become a fundamental
dalam proses pengambilan keputusan menjadi kebutuhan requirement for the banking industry to ensure business
mendasar bagi industri perbankan guna memastikan sustainability while maintaining its public reputation.
keberlanjutan usaha sekaligus menjaga reputasi di mata publik.
Tuntutan agar industri perbankan berkontribusi dalam The demand for the banking industry to contribute to
pelestarian lingkungan sejalan dengan kerangka regulasi environmental preservation aligns with Indonesia's regulatory
yang berlaku di Indonesia. Hal ini antara lain tercermin dalam framework. This can be seen reflected, among other things, in
Undang-Undang Republik Indonesia No. 10 Tahun 1998 tentang Law of the Republic of Indonesia No. 10 of 1998 concerning
Perubahan atas Undang-Undang No. 7 Tahun 1992 tentang Amendments to Law No. 7 of 1992 concerning Banking, which
Perbankan, yang menekankan penerapan prinsip kehati- emphasizes the implementation of prudential principles in
hatian dalam penyaluran kredit. Selain itu, Undang-Undang lending. Furthermore, Law of the Republic of Indonesia No. 32 of
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Republik Indonesia No. 32 Tahun 2009 tentang Perlindungan 2009 concerning Environmental Protection and Management,
dan Pengelolaan Lingkungan Hidup, khususnya Pasal 43 ayat specifically Article 43 Paragraph (3) Letter C, mandates the
(3) huruf c, mengamanatkan pengembangan sistem lembaga development of an environmentally friendly financial institution
keuangan dan pasar modal yang ramah lingkungan hidup. and capital market system. This commitment was further
Penguatan komitmen tersebut kemudian dipertegas melalui reinforced through Financial Services Authority Regulation
Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 No. 51/POJK.03/2017 concerning the Implementation of
tentang Penerapan Keuangan Berkelanjutan bagi Lembaga Sustainable Finance for Financial Services Institutions, Issuers,
Jasa Keuangan, Emiten, dan Perusahaan Publik. and Public Companies.
Berdasarkan kerangka regulasi tersebut, industri perbankan On the basis of this regulatory framework, the banking industry
di Indonesia diwajibkan untuk menerapkan prinsip keuangan in Indonesia is required to apply sustainable finance principles in
berkelanjutan (sustainable finance) dalam seluruh aktivitas all its business activities. The Financial Services Authority (OJK)
usahanya. Otoritas Jasa Keuangan (OJK) mendefinisikan defines sustainable finance through four main dimensions:
keuangan berkelanjutan melalui empat dimensi utama achieving industrial, social, and economic excellence in order
yaitu pencapaian keunggulan industri, sosial, dan ekonomi to reduce the risk of global warming and prevent various other
dalam rangka mengurangi risiko pemanasan global serta environmental and social problems; shifting targets towards a
mencegah berbagai permasalahan lingkungan dan sosial competitive low-carbon economy; promoting environmentally
lainnya; pergeseran target menuju ekonomi rendah karbon friendly investments in various business/economic sectors; and
yang kompetitif; promosi investasi ramah lingkungan hidup providing support for the implementation of Indonesia's 4P
di berbagai sektor usaha/ekonomi; dan pemberian dukungan development principles (pro-growth, pro-jobs, pro-poor, and
pada pelaksanaan prinsip-prinsip pembangunan Indonesia 4P pro-environment).
(pro-growth, pro-jobs, pro-poor, dan pro-environment).
Komitmen Allo Bank Allo Bank's Commitment
Allo Bank mendukung penerapan keuangan berkelanjutan Allo Bank has supported the implementation of sustainable
di Indonesia melalui penyesuaian berbagai kebijakan internal finance in Indonesia by adjusting its various internal policies
agar selaras dengan komitmen penguatan aspek lingkungan to align with its commitment to strengthening environmental,
(environmental), sosial (social), dan tata kelola (governance) atau social, and governance (ESG) aspects. These adjustments
ESG. Penyesuaian tersebut antara lain mencakup pembaruan include updating its credit disbursement policy and refining
kebijakan penyaluran kredit serta penyempurnaan Standard its credit Standard Operating Procedures (SOPs) to integrate
Operating Procedure (SOP) kredit yang mengintegrasikan sustainable finance principles into the Bank's business
prinsip-prinsip keuangan berkelanjutan dalam proses bisnis processes.
Bank.
Selain itu, Bank secara bertahap mencanangkan dan Furthermore, the Bank has gradually launched and
mengimplementasikan program-program berkelanjutan implemented sustainable programs focused on environmental
yang berfokus pada aspek lingkungan dan sosial. Dalam hal and social aspects. In terms of financing disbursement,
penyaluran pembiayaan, Bank menetapkan kelompok usaha the Bank has designated business groups implementing
yang menerapkan praktik bisnis berkelanjutan sebagai salah sustainable business practices as one of its primary lending
satu target dan sasaran utama pemberian kredit. Sejalan targets. In line with this external commitment, the Bank has
dengan komitmen eksternal tersebut, secara internal Bank juga also implemented environmentally friendly office operations
menerapkan operasional perkantoran yang ramah lingkungan internally with priorities towards the 3R principle (Reduce,
dengan mengedepankan prinsip 3R (Reduce, Reuse, dan Reuse, and Recycle). This principle has been implemented
Recycle). Penerapan prinsip ini diwujudkan melalui pengelolaan through responsible management of raw materials and paper
yang bertanggung jawab terhadap penggunaan bahan baku materials, energy consumption (fuel and electricity), water
dan material kertas, konsumsi energi (bahan bakar minyak utilization, and sustainable waste management.
dan listrik), pemanfaatan air, serta pengelolaan limbah secara
berkelanjutan.
Pengelolaan Bahan Baku/Material Kertas Raw Material/Paper Material Management
[OJK F.5] [OJK F.5]
Sebagai institusi perbankan berbasis digital, Allo Bank dalam As a digital-based banking institution, Allo Bank still requires
aktivitas operasionalnya masih memerlukan penggunaan paper for certain administrative purposes in its operational
kertas untuk keperluan administratif tertentu. Namun demikian, activities. However, the Bank has taken various strategic
Bank telah mengambil berbagai langkah strategis untuk steps to minimize its use of paper, the raw materials of which
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meminimalkan penggunaan kertas yang bahan bakunya are derived from trees processed into pulp. These efficiency
berasal dari pohon yang diproses menjadi pulp. Upaya efisiensi efforts include optimizing the use of soft copy documents and
tersebut antara lain dilakukan melalui optimalisasi penggunaan utilizing electronic media, including correspondence via email.
dokumen dalam bentuk soft copy serta pemanfaatan media These paper reduction initiatives have indirectly contributed to
elektronik, termasuk korespondensi melalui surat elektronik environmental conservation efforts and reduced the need for
(surel). Inisiatif pengurangan penggunaan kertas ini secara tidak tree felling.
langsung berkontribusi terhadap upaya pelestarian lingkungan
dan penurunan kebutuhan penebangan pohon.
Sejalan dengan komitmen tersebut, Allo Bank juga In line with this commitment, Allo Bank has also implemented
mengimplementasikan DigiSign sebagai solusi tanda tangan DigiSign as an electronic signature solution in its business
elektronik dalam proses bisnisnya. Penerapan tanda tangan processes. This digital signature implementation offers various
digital ini memberikan berbagai manfaat antara lain peningkatan benefits, including increased work process efficiency by
efisiensi proses kerja dengan memungkinkan manajemen enabling management to securely and reliably sign documents
menandatangani dokumen secara elektronik secara aman electronically, saving time, and reducing the potential for errors
dan andal, penghematan waktu, serta pengurangan potensi that often occur in manual signing processes. In addition to
kesalahan yang kerap terjadi pada proses penandatanganan supporting environmentally friendly policies, the use of digital
manual. Selain mendukung kebijakan ramah lingkungan, signatures also contributes to cost savings in printing, shipping,
penggunaan tanda tangan digital juga berkontribusi and document storage, while reducing reliance on paper-
pada penghematan biaya pencetakan, pengiriman, dan based documents.
penyimpanan dokumen, sekaligus mengurangi ketergantungan
pada dokumen berbasis kertas.
Penggunaan kertas dalam kegiatan operasional Bank The use of paper in the Bank's operational activities generates
menghasilkan limbah kertas berupa dokumen yang sudah tidak paper waste in the form of unused documents, albeit in
terpakai, meskipun dalam volume yang relatif tidak signifikan. relatively insignificant volumes. To manage this paper waste,
Dalam rangka pengelolaan limbah kertas tersebut, Bank bekerja the Bank has collaborated with third parties to recycle and
sama dengan pihak ketiga untuk melakukan proses daur ulang reuse these materials. Although paper is a recyclable material,
(recycle) atau penggunaan kembali (reuse). Meskipun kertas the Bank currently does not reuse recycled materials in its daily
merupakan material yang dapat didaur ulang, Bank saat ini operations.
belum memanfaatkan kembali hasil daur ulang tersebut dalam
kegiatan operasional sehari-hari.
Per 31 Desember 2025, total penggunaan kertas di Allo Bank As of 31 December, 2025, Allo Bank's total paper usage was
tercatat sebesar 282 rim, mengalami penurunan dibandingkan recorded at 282 reams. This marked a decrease compared to
dengan tahun 2024 yang mencapai 287 rim. Perubahan 287 reams in 2024. This change in paper usage was influenced
penggunaan kertas tersebut dipengaruhi oleh upaya digitalisasi by the Bank's ongoing digitalization efforts, including its
berkelanjutan pada organisasi Bank, termasuk penggunaan use of DigiSign, an electronic signature solution that offers
DigiSign, solusi tanda tangan elektronik yang menawarkan various benefits, including increased efficiency by enabling
berbagai manfaat termasuk peningkatan efisiensi yang management to securely and conveniently sign documents
memungkinkan manajemen menandatangani dokumen secara electronically and helped to save time and reduce errors
elektronik dengan aman dan nyaman, menghemat waktu serta associated with manual signatures.
mengurangi kesalahan yang terkait dengan tanda tangan
manual.
Tabel Penggunaan Kertas Tahun 2023-2025
Paper Usage Table 2023-2025
Uraian Satuan
2025 2024 2023
Description Unit
Penggunaan kertas Rim • A4 253 Rim | reams • A4 267 Rim | reams • A4 247 Rim | reams
Paper Usage Reams • F4 29 Rim | reams • F4 20 Rim | reams • F4 21 Rim | reams
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Pengelolaan Energi Energy Management
Allo Bank memanfaatkan dua sumber energi utama dalam Allo Bank utilizes two primary energy sources in its operational
menjalankan kegiatan operasional usahanya yaitu listrik activities: electricity and fuel oil, all of which are supplied by
dan Bahan Bakar Minyak (BBM), yang seluruhnya dipasok third parties. Electricity is used for lighting and as a power
oleh pihak ketiga. Energi listrik digunakan untuk kebutuhan source for various office facilities and infrastructure, including
penerangan serta sebagai sumber energi bagi berbagai sarana computers, laptops, photocopiers, and air conditioning (AC)
dan prasarana perkantoran antara lain komputer, laptop, mesin systems. Meanwhile, fuel oil is used as a power source for
fotokopi, dan sistem pendingin ruangan (AC). Sementara operational and official vehicles, as well as for generators,
itu, BBM digunakan sebagai sumber energi bagi kendaraan which serve as a backup power source in the event of a power
operasional dan kendaraan dinas jabatan, serta sebagai bahan outage from a third party.
bakar genset yang berfungsi sebagai sumber energi cadangan
apabila terjadi gangguan pasokan listrik dari pihak ketiga.
Menyadari bahwa listrik dan BBM merupakan sumber energi In recognition that electricity and fuel oil are non-renewable
tak terbarukan dengan ketersediaan yang terbatas, serta energy sources with limited availability, and considering that
mempertimbangkan bahwa sebagian besar pembangkit most national power plants are still coal-fired, the Bank has
listrik nasional masih berbasis batu bara, Bank secara consistently implemented energy efficiency measures. These
konsisten menerapkan langkah-langkah efisiensi energi. energy saving measures include the use of energy-saving
Upaya penghematan listrik dilakukan antara lain melalui lamps (LEDs), limiting and controlling its use of air conditioning,
penggunaan lampu hemat energi (LED), pembatasan dan turning off lights and electronic equipment after office hours,
pengendalian penggunaan AC, pemadaman lampu dan and regulating electricity usage at specific times. Fuel efficiency
peralatan elektronik setelah jam operasional kantor, serta is achieved through strict controls on fuel consumption for
pengaturan pemakaian listrik pada waktu-waktu tertentu. operational and official vehicles. Furthermore, the Bank has
Adapun efisiensi BBM dilakukan melalui pengendalian yang encouraged the use of information technology by holding online
ketat terhadap penggunaan BBM untuk kendaraan operasional meetings for specific types of meetings, thereby reducing the
dan kendaraan dinas jabatan. Selain itu, Bank juga mendorong need for official travel and transportation.
pemanfaatan teknologi informasi dengan menyelenggarakan
rapat secara daring untuk jenis rapat tertentu sehingga dapat
mengurangi kebutuhan perjalanan dinas dan penggunaan
moda transportasi.
Penerapan efisiensi energi di Allo Bank sejalan dengan This implementation of energy efficiency at Allo Bank aligns
Instruksi Presiden Republik Indonesia No. 13 Tahun 2011 with Presidential Instruction No. 13 of 2011 concerning Energy
tentang Penghematan Energi dan Air, serta Peraturan Menteri and Water Conservation, and Regulation of the Minister of
Energi dan Sumber Daya Mineral Republik Indonesia No. 13 Energy and Mineral Resources of the Republic of Indonesia No.
Tahun 2012 tentang Penghematan Pemakaian Tenaga Listrik. 13 of 2012 concerning Electricity Conservancy. This policy also
Kebijakan tersebut sekaligus mencerminkan komitmen Bank reflects the Bank's commitment to supporting efforts to reduce
dalam mendukung upaya pengurangan emisi gas rumah kaca greenhouse gas emissions, a contributing factor to global
sebagai salah satu faktor penyebab pemanasan global dan warming and climate change. [OJK F.7, F.12]
perubahan iklim. [OJK F.7, F.12]
Per 31 Desember 2025, penggunaan listrik Allo Bank sebesar As of 31 December, 2025, Allo Bank's electricity usage was
1.383.080 kWh yang diperoleh dari konversi pembayaran 1,383,080 kWh. It calculated this number by converting its
tagihan listrik sebesar Rp3,46 miliar dibagi harga listrik golongan IDR3.46 billion in electricity bill payments and dividing this
I-4 pada jam puncak yaitu Rp2.500. Jumlah itu naik dibanding number by its peak hourly price of Class I-4 electricity, which
tahun 2024 dengan penggunaan listrik sebesar 389.000 kWh was IDR2,500. This figure marked an increase compared to
yang diperoleh dengan rumus yang sama dengan pembayaran 2024, during which the Bank's electricity usage was 389,000
tagihan sebesar Rp972,5 juta. Kenaikan dipengaruhi oleh kWh. It calculated this number using the same aforementioned
konsumsi listrik dalam rangka pengembangan bisnis khususnya formula, with a total bill payment of IDR972.5 million. This
terkait Data Center yang diresmikan pada pertengahan tahun increase was driven by the Bank's electricity consumption for
2024. business development, particularly related to its Data Center,
which it inaugurated in mid-2024.
Sementara itu, volume penggunaan bensin tahun 2025 tercatat Meanwhile, gasoline usage in 2025 was recorded at 19,814 liters.
sebesar 19.814 liter yang diperoleh dari konversi pembelian This converted to a total of IDR275 million in gasoline purchases
bensin sebanyak Rp275 juta dibagi dengan rerata bensin Ron95 (divided by the average price of more environmentally friendly
yang lebih ramah lingkungan sebesar Rp13.864/liter. Jumlah RON95 gasoline of IDR13,864 per liter). This figure marked
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itu turun dibandingkan tahun 2024 dengan penggunaan a decrease compared to 2024, during which gasoline usage
bensin sebesar 26.610 liter yang diperoleh dengan rumus reached 26,610 liters, calculated using the same formula, with a
yang sama dengan total pembayaran bensin sebesar Rp368,9 total gasoline payment of IDR368.9 million. This decrease was
juta. Penurunan sejalan dengan kebijakan efisiensi yang in line with the Bank's efficiency policies. [OJK F.6]
dilaksanakan Bank. [OJK F.6]
Pengelolaan Emisi Gas Rumah Kaca Greenhouse Gas Emission Management
Emisi gas rumah kaca (GRK) merupakan salah satu faktor utama Greenhouse gas (GHG) emissions are one of the main factors
penyebab terjadinya pemanasan global dan perubahan iklim causing global warming and climate change, which negatively
yang menimbulkan dampak negatif terhadap lingkungan dan impacts the environment and life. As a contribution to
kehidupan. Sebagai bentuk kontribusi dalam upaya mitigasi climate change mitigation efforts, Allo Bank has consistently
perubahan iklim, Allo Bank secara konsisten menerapkan implemented emission reduction measures, including through
langkah-langkah pengurangan emisi antara lain melalui its efficient use of energy (both in terms of electricity and fuel)
efisiensi penggunaan energi, baik listrik maupun bahan bakar that serve as the primary sources of emissions in the Bank's
minyak, yang menjadi sumber utama emisi dalam kegiatan operational activities.
operasional Bank.
Dalam laporan ini, cakupan emisi GRK yang diungkapkan In this report, the scope of Allo Bank's GHG emissions disclosed
meliputi emisi langsung (Cakupan 1) yang berasal dari includes direct emissions (Scope 1) from gasoline use, as well
penggunaan bensin, serta emisi tidak langsung (Cakupan 2) as indirect emissions (Scope 2) from electricity purchased
yang bersumber dari konsumsi listrik yang dibeli dari pihak ketiga. from third parties. The Bank's calculation of Scope 1 GHG
Perhitungan emisi GRK Cakupan 1 dilakukan dengan mengacu emissions is based on the method used in Indonesia and non-
pada metode yang digunakan di Indonesia dan negara-negara Annex I countries (developing countries), specifically, the Tier 1
non-Annex I (negara berkembang), yaitu metode Tier 1 dengan method, which uses energy consumption data multiplied by the
pendekatan penghitungan berdasarkan data konsumsi energi default emission factor as stipulated in 2006 IPCC Guidelines
dikalikan dengan faktor emisi default sebagaimana ditetapkan (Intergovernmental Panel on Climate Change).
dalam Pedoman IPCC 2006 (Intergovernmental Panel on
Climate Change/Panel Antarpemerintah tentang Perubahan
Iklim).
Emisi Hasil Pembakaran Bahan bakar
Fuel Combustion Emissions
kg TJ kg
Emisi GRK = Konsumsi Energi x Faktor Emisi
GHG Emissions thn Energy Consumption thn Emission Factor TJ
yr yr
Sesuai tabel di bawah, emisi gas rumah kaca dari penggunaan According to the table below, the Bank's greenhouse gas
bensin tahun 2025 tercatat sebesar 45.045 kgCO2eq atau 45 emissions from its gasoline use in 2025 were recorded at
ton CO2eq, turun dibanding tahun 2024 dengan emisi sebesar 45,045 kgCO2eq or (45 tons CO2eq), which marked a
60.984 kgCO2eq atau 61 ton CO2eq. decrease compared to 2024, during which its emissions were
at 60,984 kgCO2eq (or 61 tons CO2eq).
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Tabel Perhitungan Emisi Gas Rumah Kaca Langsung (Cakupan 1) Tahun 2023-2025
Direct Greenhouse Gas Emissions Calculation Table (Scope 1) 2023-2025
Faktor Emisi CO2
Total Energi (TJ/Tahun) (KgCO2/TJ) Emisi CO2 (Kg CO2/Tahun)
Bahan Total Energy (TJ/Year) CO2 Emission Factor CO2 Emissions (KgCO2/Year)
Bakar (KgCO2/TJ)
Fuel
2025 2024 2023 2025 2024 2023
A B C=A*B
Bensin 0,65 0,88 0,54 69.300 45.045 60.984 37.422
Gasoline
Sumber | Source: IPCC 2006
Diolah dari Pedoman Penyelenggaraan Inventarisasi Gas Rumah Kaca Nasional Kementerian Lingkungan Hidup 2012
Adapted from the Ministry of Environment's 2012 Guidelines for Implementing the National Greenhouse Gas Inventory
Adapun penghitungan emisi cakupan 2 tahun 2025 dilakukan The calculation of Scope 2 emissions for 2025 was carried
dengan mengalikan konsumsi listrik (dalam Kwh per tahun) out by multiplying electricity consumption (in kWh per year) by
dengan faktor emisi Jawa Madura Bali (Jamali) sebagaimana the Java-Madura-Bali (Jamali) emission factor as stipulated in
diatur dalam Keputusan Menteri Energi dan Sumber Daya the Decree of the Minister of Energy and Mineral Resources
Mineral Republik Indonesia No. 163.K/HK.02/MEM.S/2021 of the Republic of Indonesia No. 163.K/HK.02/MEM.S/2021
tentang Penetapan Faktor Emisi Gas Rumah Kaca Sistem concerning the Determination of the Greenhouse Gas Emission
Ketenagalistrikan yaitu 0,87 kgCO2/kWh. Penghitungan Factor for the Electricity System. Through this calculation,
tersebut berbeda dengan tahun-tahun sebelumnya di mana the Bank arrived at 0.87 kgCO2/kWh. The Bank’s calculation
perhitungan dilakukan dengan merujuk pada average grid differed from previous years. It used the average grid emission
emission factor RUPTL PLN 2015-2024 yaitu sebesar 0,934 factor of 0.934 kgCO₂/kWh (2017) in the 2015-2024 PLN
kgCO₂/Kwh (2017). Penyesuaian metode perhitungan RUPTL (Regional Electricity Supply Chain Plan). This calculation
dilakukan karena RUPTL PLN 2025-2034 sebagai lanjutan method was adjusted because the 2025-2034 PLN RUPTL,
RUPTL sebelumnya tidak mengatur average grid secara spesifik a continuation of the previous RUPTL, did not regulate the
per wilayah. average grid factor specifically for each region.
Seperti disampaikan pada tabel di bawah, emisi cakupan 2 As shown in the table below, scope 2 emissions from Allo
dari penggunaan listrik Allo Bank 2025 mengalami kenaikan Bank's electricity usage in 2025 increased compared to the
dibanding tahun sebelumnya. Kenaikan sejalan dengan previous year. This increase was in line with the Bank's increased
peningkatan konsumsi listrik. [OJK F.11] electricity consumption [OJK F.11]
Tabel Emisi Gas Rumah Tidak Langsung (Cakupan 2) Tahun 2023-2025
Table of Indirect Household Gas Emissions (Scope 2) for 2023-2025
Konsumsi Energi Tahun Emisi CO2eq yang Dihasilkan (kg)
Satuan Year CO2eq Emissions Generated (kg)
Energy
Unit
Consumption 2025 2024 2023 2025 2024 2023
Listrik kWh 1.383.080 389.000 71.720 1.203.280 361.381 66.627
Electricity
Dengan demikian, per 31 Desember 2025, jumlah emisi yang As such, as of 31 December, 2025, Allo Bank's emissions
dihasilkan Allo Bank adalah sebesar 1.248.325 kgCO2eq atau totaled 1,248,325 kgCO2eq (1,248 tons kgCO2eq), an increase
1.248 ton kgCO2eq, naik dibandingkan tahun 2024 dengan compared to 2024's emissions of 422,365 kgCO2eq (422 tons
emisi sebesar 422.365 kgCO2eq atau 422 tonCO2eq. CO2eq).
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Pengelolaan Air Water Management
Air bersih merupakan salah satu kebutuhan esensial dalam Clean water is an essential requirement to support Allo Bank's
mendukung operasional Allo Bank, khususnya untuk memenuhi operations, particularly as a way to meet its employee needs,
keperluan domestik karyawan antara lain penyediaan air minum, including their need for drinking water supplies, washing kitchen
pencucian peralatan dapur, keperluan ibadah, pembilasan utensils, for religious purposes, rinsing sanitation facilities, and
fasilitas sanitasi, serta pencucian kendaraan operasional. Dalam for use in washing operational vehicles. To meet these needs,
pemenuhan kebutuhan tersebut, Bank memperoleh pasokan the Bank obtains its clean water supplies from third parties,
air bersih dari pihak ketiga yaitu produsen air minum dalam specifically, bottled water producers and the Regional Drinking
kemasan serta Perusahaan Daerah Air Minum (PDAM). Water Company (PDAM).
Sejalan dengan semakin terbatasnya ketersediaan sumber In line with increasingly limited availability of clean water sources,
air bersih, termasuk meningkatnya tingkat pencemaran air including the increasing level of pollution of surface water used
permukaan yang digunakan sebagai sumber air baku PDAM, as the PDAM's raw water source, the Bank has consistently
Bank secara konsisten mengoptimalkan efisiensi penggunaan worked to optimize its water efficiency. These efforts have been
air. Upaya tersebut dilakukan melalui penyampaian imbauan carried out by the Bank’s efforts at reminding employees to
kepada karyawan untuk menggunakan air secara bijaksana use water wisely and not excessively, as well as by the Bank's
dan tidak berlebihan, serta pelaksanaan pemeliharaan jaringan efforts in carrying out regular pipe network maintenance to
pipa secara berkala guna mencegah kebocoran. Efisiensi prevent leaks. Allo Bank's water efficiency efforts have been
penggunaan air di Allo Bank dilaksanakan sejalan dengan implemented in line with Presidential Instruction No. 13 of 2011
Instruksi Presiden Republik Indonesia No. 13 Tahun 2011 tentang concerning Energy and Water Conservation.
Penghematan Energi dan Air.
Upaya penghematan air menjadi semakin relevan mengingat Water conservation efforts have become increasingly relevant
cakupan layanan air bersih di wilayah DKI Jakarta pada considering that clean water coverage in the Jakarta area as
September 2025 baru mencapai sekitar 74,24%, yang masih of September 2025 only reached approximately 74.24%,
berada di bawah target cakupan sebesar 100% pada tahun which was still below its target of 100% coverage by 2030.
2030. Selain itu, kualitas air tanah di sebagian wilayah Ibu Kota Furthermore, groundwater quality in some areas of the capital
juga belum memenuhi baku mutu lingkungan antara lain akibat city did not meet environmental quality standards. This was
kandungan bakteri Escherichia coli (E-Coli) serta tingginya due, among other factors, to Escherichia coli (E. coli) bacteria
tingkat salinitas yang disebabkan oleh intrusi air laut. and high salinity levels caused by seawater intrusion.
Per 31 Desember 2025, Bank mengeluarkan biaya pembelian As of 31 December, 2025, the Bank incurred IDR114 million
air sebesar Rp114 juta, naik dibandingkan tahun 2024, yang in water purchases. This marked an increase compared to
mencapai Rp90,5 juta. Kenaikan dipengaruhi oleh konsumsi IDR90.5 million in 2024. This increase was driven by the Bank's
air terkait penambahan sumber daya manusia. [OJK F.8] water consumption related to additional human resources.
[OJK F.8]
Pengelolaan Limbah/Sampah Waste Management
Kegiatan operasional Allo Bank menghasilkan limbah, baik Allo Bank's operational activities generate both liquid and
limbah cair maupun limbah padat, yang mencakup kategori solid waste, including Hazardous and Toxic Materials (B3)
Bahan Berbahaya dan Beracun (B3) serta limbah non-B3. and non-B3 waste. B3 waste includes used batteries and oil
Limbah B3 yang dihasilkan antara lain berupa aki bekas dan from operational vehicles, as well as used lamps, cartridges,
oli bekas dari kendaraan operasional, serta lampu bekas, and electronic equipment from office operations. Meanwhile,
cartridge bekas, dan peralatan elektronik bekas yang berasal non-B3 waste includes domestic waste generated by employee
dari aktivitas operasional perkantoran. Sementara itu, limbah activities, including both organic and non-organic forms of
non-B3 meliputi sampah domestik yang dihasilkan dari aktivitas waste.
karyawan, baik berupa sampah organik maupun non-organik.
Dalam pengelolaan sampah perkantoran, Bank menyediakan To manage office waste, the Bank provides adequate trash
sarana tempat sampah dalam jumlah yang memadai serta bins and segregates waste by type. Furthermore, the Bank
melakukan pemilahan sampah berdasarkan jenisnya. collaborates with third parties to transport waste to landfills.
Selanjutnya, Bank bekerja sama dengan pihak ketiga untuk In line with efforts to reduce waste volume, the Bank has also
melakukan pengangkutan sampah ke tempat pembuangan implemented various waste management policies that adhere
akhir. Sejalan dengan upaya pengurangan volume limbah, Bank to the 3R principle (Reduce, Reuse, and Recycle).
juga menerapkan berbagai kebijakan pengelolaan sampah
yang mengacu pada prinsip 3R (Reduce, Reuse, dan Recycle).
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Sebagai bagian dari penerapan prinsip tersebut, Bank As part of implementing this principle, the Bank has taken
mengambil langkah-langkah konkret untuk mengurangi concrete steps to reduce the use of single-use plastics,
penggunaan plastik sekali pakai, khususnya dari air minum particularly from bottled drinking water. The Bank provides
dalam kemasan. Bank menyediakan pitcher berbahan glass pitchers for employees to drink water and does not
kaca sebagai sarana air minum bagi karyawan dan tidak provide single-use bottled water. In addition, the Bank has
menyediakan air minum dalam kemasan sekali pakai. Selain also internalized the spirit of green living by encouraging the
itu, Bank menginternalisasikan semangat green living dengan reduction of the use of disposable food and drink containers
mendorong pengurangan penggunaan wadah makan dan in office activities. For B3 waste management, the Bank has
minum sekali pakai dalam aktivitas perkantoran. Adapun untuk collaborated with officially licensed third parties to ensure waste
pengelolaan limbah B3, Bank bekerja sama dengan pihak ketiga management complies with laws and regulations and does not
yang memiliki perizinan resmi sehingga pengelolaan limbah negatively impact the environment.
dilakukan sesuai dengan ketentuan peraturan perundang-
undangan dan tidak menimbulkan dampak negatif terhadap
lingkungan.
Biaya Lingkungan Environmental Costs
Per 31 Desember 2025, Bank mengeluarkan biaya lingkungan As of 31 December, 2025, the Bank incurred environmental
sebesar Rp280,9 juta, naik dibandingkan tahun 2024, yang costs of IDR280.9 million. This marked an increase compared
mencapai Rp215 juta. Biaya lingkungan tersebut digunakan to IDR215 million in 2024. These environmental costs were
Bank untuk membiayai berbagai program Tanggung Jawab used by the Bank to finance various Social and Environmental
Sosial dan Lingkungan seperti yang telah diungkapkan pada Responsibility programs, as disclosed in this Annual Report.
Laporan Tahunan ini. [OJK F.4] [OJK F.4]
Kinerja Sosial Keberlanjutan
Sustainable Social Performance
Keberhasilan Allo Bank dalam mencatatkan kinerja terbaik, Allo Bank's success in achieving its best levels of performance,
termasuk meraih lebih dari 14 juta nasabah pada tahun keempat including reaching over 14 million customers during its fourth
operasionalnya, menunjukkan betapa besar dukungan yang year of operation, demonstrates the significant support the
diterima Bank dari para pemangku kepentingan. Pencapaian Bank has received from its stakeholders. This achievement is
ini semakin berarti mengingat persaingan bank umum berbasis all the more significant considering how increasingly fierce
layanan digital di Indonesia pada 2025 yang semakin ketat, competition was among digital-based commercial banks in
seiring dengan meningkatnya adopsi layanan teknologi finansial Indonesia in 2025, driven by the nation's increasing adoption
dan tingginya permintaan masyarakat akan layanan perbankan of financial technology services and its high public demand
yang cepat, praktis, dan terjangkau. Bank-bank dalam industri for fast, practical, and affordable banking services. Banks in
perbankan nasional bersaing sengit untuk menarik nasabah, the national banking industry are all in fierce competition to
menawarkan produk unggulan seperti bunga tabungan yang attract customers, offering superior products such as attractive
menarik dan integrasi fitur pembayaran real-time. Sejumlah savings interest rates and the integration of real-time payment
pemain berhasil mencatatkan pertumbuhan Dana Pihak Ketiga features. Several players have successfully recorded growth in
(DPK) dan mulai berfokus pada pencapaian profitabilitas, Third Party Funds (TPF) and have begun to focus on achieving
bukan hanya ekspansi pengguna. Persaingan ini juga menuntut profitability, rather than solely expanding their user base. This
inovasi layanan dan efisiensi operasional, di tengah tekanan competition has also seen demand in service innovation and
suku bunga yang menekan margin, serta mendorong bank operational efficiency in the midst of interest rate pressures
konvensional untuk melakukan transformasi digital agar tetap that have squeezed margins. These have pushed conventional
relevan di era yang semakin digital ini. banks to undertake digital transformation to remain relevant in
this increasingly digital era.
Keberhasilan tersebut merupakan hasil dari hubungan timbal This success is the result of the reciprocal relationship between
balik yang terjalin antara Allo Bank dan para pemangku Allo Bank and both its internal and external stakeholders.
kepentingan, baik internal maupun eksternal. Pemangku The Bank's internal stakeholders consist of management
kepentingan internal Bank terdiri dari manajemen, serta and employees from various divisions and levels. Meanwhile,
karyawan dari berbagai divisi dan level jabatan. Sementara external stakeholders include customers, clients, regulators,
pemangku kepentingan eksternal mencakup nasabah, klien, shareholders, and communities surrounding the Company's
regulator, pemegang saham dan masyarakat sekitar lokasi operational locations, including those who benefit from the
operasi perusahaan, termasuk mereka yang menerima manfaat Bank's CSR (Corporate Social Responsibility) programs.
dari program CSR (Corporate Social Responsibility) Bank.
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Allo Bank memenuhi tanggung jawabnya terhadap pemangku Allo Bank fulfills its responsibilities to stakeholders with a mature
kepentingan dengan pendekatan yang matang dan berbasis approach based on clear mapping. Through this process, the
pada pemetaan yang jelas. Melalui proses ini, Bank dapat Bank can accurately understand the expectations and needs
memahami harapan dan kebutuhan masing-masing of each stakeholder. The Bank's commitment to fulfilling these
pemangku kepentingan secara tepat. Komitmen Bank untuk responsibilities is the best way to build good relationships and
memenuhi tanggung jawab ini merupakan langkah terbaik foster positive communication with stakeholders. As a business
untuk membangun hubungan yang baik dan menciptakan entity, maintaining quality relationships with stakeholders is
komunikasi yang positif dengan para pemangku kepentingan. essential for achieving sustainable business.
Sebagai entitas bisnis, memiliki hubungan yang berkualitas
dengan pemangku kepentingan adalah modal penting untuk
mewujudkan usaha yang berkelanjutan.
Seiring dengan perbedaan kategori pemangku kepentingan, In line with the different categories of stakeholders, Allo Bank
Allo Bank mengimplementasikan berbagai upaya untuk has implemented various efforts to fulfill their rights and
memenuhi hak dan harapan mereka. Pemenuhan hak ini expectations. Fulfillment of these rights encompasses various
meliputi berbagai aspek seperti ketenagakerjaan, Keselamatan aspects such as employment, Occupational Safety and Health
dan Kesehatan Kerja (K3), hak asasi manusia, keterlibatan (OSH), human rights, community involvement, and responsibility
masyarakat, serta tanggung jawab terhadap produk dan for the products and services offered.
layanan yang ditawarkan.
Landasan Kebijakan Policy Basis
Komitmen Allo Bank memenuhi tanggung jawab kepada Allo Bank's commitment to fulfilling its responsibilities to
segenap pemangku kepentingan internal maupun eksternal all internal and external stakeholders is based on various
merujuk pada berbagai regulasi yang berlaku di Indonesia di regulations in force in Indonesia, including the following:
antaranya:
1. Undang-Undang No. 1 Tahun 1970 tentang Keselamatan 1. Law No. 1 of 1970 concerning Occupational Safety
Kerja
2. Undang-Undang No. 8 Tahun 1999 tentang Perlindungan 2. Law No. 8 of 1999 concerning Consumer Protection
Konsumen
3. Undang-Undang No. 13 tahun 2003 tentang 3. Law No. 13 of 2003 concerning Manpower
Ketenagakerjaan
4. Undang-Undang No. 40 Tahun 2007 tentang Perseroan 4. Law No. 40 of 2007 concerning Limited Liability Companies
Terbatas
5. Undang-Undang Republik Indonesia No. 24 Tahun 2011 5. Law of the Republic of Indonesia No. 24 of 2011 concerning
tentang Badan Penyelenggara Jaminan Sosial the Social Security Administration Agency
6. Undang-Undang No. 6 Tahun 2023 tentang Penetapan 6. Law No. 6 of 2023 concerning the Stipulation of Government
Peraturan Pemerintah Pengganti Undang-Undang No. 2 Regulation in Lieu of Law No. 2 of 2022 concerning Job
Tahun 2022 tentang Cipta Kerja menjadi Undang-Undang Creation as Law
7. Undang-Undang No. 17 Tahun 2023 tentang Kesehatan 7. Law No. 17 of 2023 concerning Health
8. Undang-Undang Republik Indonesia No. 27 Tahun 2022 8. Law of the Republic of Indonesia No. 27 of 2022 concerning
tentang Pelindungan Data Pribadi Personal Data Protection
9. Peraturan Pemerintah No. 50 Tahun 2012 tentang 9. Government Regulation No. 50 of 2012 concerning the
Penerapan Sistem Manajemen Keselamatan dan Kesehatan Implementation of the Occupational Safety and Health
Kerja; Management System;
10. Peraturan Pemerintah Republik Indonesia No. 36 Tahun 10. Government Regulation of the Republic of Indonesia No. 36
2021 tentang Pengupahan of 2021 concerning Wages
11. Peraturan Presiden Republik Indonesia No. 7 Tahun 2019 11. Presidential Regulation of the Republic of Indonesia No. 7
tentang Penyakit Akibat Kerja of 2019 concerning Occupational Diseases
12. Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 12. Financial Services Authority Regulation No. 51/
tentang Penerapan Keuangan Berkelanjutan bagi Lembaga POJK.03/2017 concerning the Implementation of
Jasa Keuangan, Emiten dan Perusahaan Publik. Sustainable Finance for Financial Services Institutions,
Issuers, and Public Companies.
13. Peraturan Otoritas Jasa Keuangan No. 1/POJK.07/2013 13. Financial Services Authority Regulation No. 1/POJK.07/2013
tentang Perlindungan Konsumen Sektor Jasa Keuangan. concerning Consumer Protection in the Financial Services
Sector.
14. Peraturan Otoritas Jasa Keuangan No. 6/POJK.07/2022 14. Financial Services Authority Regulation No. 6/
tentang Perlindungan Konsumen dan Masyarakat Sektor POJK.07/2022 concerning Consumer and Community
Jasa Keuangan Protection in the Financial Services Sector
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15. Peraturan Otoritas Jasa Keuangan Republik Indonesia 15. Financial Services Authority Regulation No. 22 of 2023
No. 22 Tahun 2023 Tentang Pelindungan Konsumen dan concerning Consumer and Community Protection in the
Masyarakat di Sektor Jasa Keuangan Financial Services Sector
16. Peraturan Otoritas Jasa Keuangan Republik Indonesia No. 16. Financial Services Authority Regulation No. 3 of 2023
3 Tahun 2023 tentang Peningkatan Literasi dan Inklusi concerning Improving Financial Literacy and Inclusion in
Keuangan di Sektor Jasa Keuangan Bagi Konsumen dan the Financial Services Sector for Consumers and the Public;
Masyarakat;
17. Peraturan Otoritas Jasa Keuangan Republik Indonesia No. 17. Financial Services Authority Regulation No. 12 of 2024
12 Tahun 2024 tentang Penerapan Strategi Anti Fraud Bagi concerning the Implementation of Anti-Fraud Strategies for
Lembaga Jasa Keuangan; Financial Services Institutions;
18. Surat Edaran Otoritas Jasa Keuangan No. 2/SEOJK.07/2014 18. Financial Services Authority Circular Letter No. 2/
tentang Pelayanan dan Penyelesaian Pengaduan Konsumen SEOJK.07/2014 concerning Consumer Complaints
pada Pelaku Usaha Jasa Keuangan; Services and Resolution for Financial Services Business
Actors;
19. Peraturan Otoritas Jasa Keuangan No. 31/POJK.07/2020 19. Financial Services Authority Regulation No. 31/
tentang Penyelenggaraan Layanan Konsumen dan POJK.07/2020 concerning the Provision of Consumer
Masyarakat di Sektor Jasa Keuangan oleh Otoritas Jasa and Public Services in the Financial Services Sector by the
Keuangan; Financial Services Authority;
20. Peraturan Otoritas Jasa Keuangan Republik Indonesia No. 20. Financial Services Authority Regulation No. 19 of 2025
19 Tahun 2025 tentang Kemudahan Akses Pembiayaan concerning Ease of Access to Financing for Micro, Small,
kepada Usaha Mikro, Kecil, dan Menengah and Medium Enterprises
Berdasarkan berbagai regulasi tersebut, Bank kemudian On the basis of these various regulations, the Bank developed
menyusun sejumlah regulasi internal sebagai pedoman a number of internal regulations that serve as daily operational
operasional harian yang mencakup pengelolaan kepegawaian, guidelines covering personnel management, Occupational
Kesehatan dan Keselamatan Kerja (K3), tanggung jawab produk, Health and Safety (OHS), product responsibility, social
tanggung jawab sosial kepada masyarakat dan aspek lainnya. responsibility to the community, and other aspects.
Layanan Setara untuk Nasabah [OJK F.17] Equal Service for Customers [OJK F.17]
Layanan setara bagi nasabah merupakan prinsip dasar Equality in the provision of service for customers is a fundamental
yang diterapkan Allo Bank dalam menjalankan bisnis. Oleh principle implemented by Allo Bank in conducting its business.
karena itu, Bank memastikan bahwa setiap nasabah, tanpa Accordingly, the Bank ensures that every customer, regardless
memandang latar belakang seperti agama, ras, suku, gender, of background such as religion, race, ethnicity, gender, political
pandangan politik, dan lainnya, memiliki akses yang sama views, and so on, has equal access to the best services the
untuk mendapatkan layanan terbaik. Bank percaya bahwa Bank has to offer. The Bank believes that quality and equality
kualitas dan kesetaraan layanan merupakan faktor kunci dalam of service are key factors in gaining customer trust and loyalty.
memperoleh kepercayaan dan loyalitas nasabah.
Implementasi prinsip kesetaraan terhadap nasabah merupakan The implementation of this equality principle for customers
bentuk kepatuhan Allo Bank terhadap Undang-Undang demonstrates Allo Bank's compliance with Article 7 (c) of the
Perlindungan Konsumen pasal 7 huruf c yang menyatakan Consumer Protection Law, which states that business actors
bahwa pelaku usaha harus memperlakukan atau melayani must treat and serve consumers fairly, honestly and without
konsumen secara benar, jujur, dan tidak diskriminatif. Dalam discrimination. The explanation of this article emphasizes the
penjelasan pasal tersebut menegaskan tentang larangan pelaku prohibition on business actors from discriminating against
usaha membeda-bedakan konsumen dalam memberikan consumers in providing services and their obligation to provide
pelayanan dan harus memberikan mutu pelayanan yang setara. equality in service quality. As a Financial Services Institution
Sebagai bagian dari Lembaga Jasa Keuangan, kesetaraan (FSI), equality of service at Allo Bank also uses Financial
layanan di Allo Bank juga mengacu pada Peraturan Otoritas Services Authority Regulation No. 6/POJK.07/2022 concerning
Jasa Keuangan No. 6/POJK.07/2022 tentang Perlindungan Consumer and Public Protection in the Financial Services
Konsumen dan Masyarakat di Sektor Jasa Keuangan. Pasal Sector as a reference. Article 35, Paragraph 1 of this regulation
35 ayat 1 peraturan ini menyebutkan “PUJK wajib memberikan states, "FSIs are obliged to provide equal access to every
akses yang setara kepada setiap konsumen sesuai klasifikasi consumer according to consumer classification."
konsumen.”
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Kesetaraan Kesempatan Kerja [OJK F.18] Equal Employment Opportunity [OJK F.18]
Allo Bank secara konsisten menerapkan lingkungan kerja yang Allo Bank consistently implements a fair and equitable
adil dan setara tanpa diskriminasi bagi seluruh karyawan, serta work environment without discrimination for all employees
mendukung keberagaman sebagai bagian dari kekuatan Bank. and supports diversity as part of the Bank's strengths. This
Komitmen ini diterapkan sejak proses rekrutmen dan berlaku commitment is implemented from the recruitment process
untuk semua karyawan, baik yang baru maupun yang sudah and applies to all new and old employees. It encompasses
ada, mencakup pelatihan dan pengembangan kompetensi, training and competency development, career development,
karier, remunerasi, dan berbagai aspek lainnya. Sesuai dengan remuneration, and various other aspects. In accordance with
komitmen tersebut, Bank memberikan kesempatan setara bagi this commitment, the Bank provides equal opportunities
seluruh karyawan, baik pria maupun wanita, untuk bekerja, for all employees, both men and women, to work, pursue
meniti karier, dan menduduki posisi-posisi penting, termasuk careers, and occupy key positions, including positions in senior
di jajaran manajemen puncak. Prinsip kesetaraan dan non- management. The principles of equality and non-discrimination
diskriminasi dalam kesempatan kerja di Allo Bank diatur in employment opportunities at Allo Bank are regulated through
melalui regulasi internal yaitu Code of Conduct dan Peraturan internal regulations, specifically, the Code of Conduct and
Perusahaan. Company Regulations.
Pengaplikasian kesetaraan kesempatan bekerja di Allo Bank The application of equal employment opportunities at Allo
sesuai dengan semangat Pasal 28 I ayat (2) Undang-Undang Bank is in accordance with the spirit of Article 28I Paragraph
Dasar Negara Republik Indonesia Tahun 1945 yaitu: “Setiap (2) of the 1945 Constitution of the Republic of Indonesia, which
orang berhak bebas dari perlakuan yang bersifat diskriminatif states: "Everyone has the right to be free from discriminatory
atas dasar apapun dan berhak mendapatkan perlindungan treatment on any basis whatsoever and has the right to receive
terhadap perlakuan yang bersifat diskriminatif itu.” Selain itu, protection from such discriminatory treatment." Furthermore,
penerapan tersebut juga selaras dengan Undang-Undang this implementation is also in line with Law of the Republic
Republik Indonesia No. 7 Tahun 1984 tentang Pengesahan of Indonesia No. 7 of 1984 concerning the Ratification of the
Konvensi Mengenai Penghapusan Segala Bentuk Diskriminasi Convention on the Elimination of All Forms of Discrimination
terhadap Wanita (Convention On The Elimination Of All Against Women, as well as Presidential Instruction of the
Forms Of Discrimination Against Women), serta Instruksi Republic of Indonesia No. 9 of 2000 concerning Gender
Presiden Republik Indonesia No. 9 Tahun 2000 tentang Mainstreaming in National Development.
Pengarusutamaan Gender dalam Pembangunan Nasional.
Tenaga Kerja Anak dan Kerja Paksa [OJK F.19] Child Labor and Forced Labor [OJK F.19]
Allo Bank berkomitmen penuh dalam menghapuskan praktik Allo Bank is fully committed to eliminating child labor and
tenaga kerja anak dan kerja paksa sebagai bentuk nyata forced labor as a concrete form of human rights protection. As
perlindungan hak asasi manusia. Sebagai langkah preventif, a preventative measure, the Bank has enforced strict policies
Bank memberlakukan kebijakan ketat terkait batasan usia dan regarding age limits and working hours. The Bank ensures
jam kerja. Bank memastikan seluruh karyawan, baik dengan that all employees, both permanent and contract employees,
status tetap maupun kontrak, telah memenuhi syarat usia minimal meet the minimum age requirement of 18 years and above.
yakni di atas 18 tahun. Hal tersebut sesuai dengan kebijakan This aligns with the Bank's recruitment policy, which requires
rekrutmen Bank, yaitu untuk pendidikan kandidat minimal SMU candidates to have a minimum education of high school (or
(sederajat), sedangkan usia minimal 18 tahun. Adapun jam kerja its equivalent) and a minimum age of 18 years. The Bank's
yang berlaku di Bank adalah 8 (delapan) jam dalam 1 (satu) working hours are 8 hours per day and 40 hours per week,
hari dan 40 (empat puluh) jam dalam 1 (satu) minggu untuk 5 for 5 working days per week. This is in accordance with Article
(lima) hari kerja dalam 1 (satu) minggu, sesuai dengan pasal 77 77 of Law No. 13 of 2003 concerning Manpower. Through
Undang-Undang No. 13 tahun 2003 tentang Ketenagakerjaan. these provisions, the Bank ensures that every employee has
Melalui ketentuan tersebut, Bank memastikan setiap karyawan the right to adequate rest time. The Bank's commitment to and
mendapatkan hak waktu istirahat yang memadai. Komitmen compliance with regulations regarding age and working hours
serta kepatuhan Bank terhadap regulasi tentang usia dan jam has proven effective in eliminating child labor and forced labor
kerja terbukti efektif dalam meniadakan praktik pekerja anak within the company.
maupun kerja paksa di lingkungan perusahaan.
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Selain berpedoman pada undang-undang ketenagakerjaan In addition to adhering to applicable labor laws, the Bank's
yang berlaku, komitmen Bank dalam menghapuskan pekerja commitment to eliminating child labor and forced labor also
anak dan kerja paksa juga sejalan dengan mandat Undang- aligns with the mandate of Law No. 20 of 1999 concerning the
Undang No. 20 Tahun 1999 tentang Pengesahan ILO Convention Ratification of ILO Convention No. 138 Concerning Minimum
No. 138 Concerning Minimum Age for Admission to Employment Age for Admission to Employment, and Law of the Republic
(Konvensi ILO Mengenai Usia Minimum untuk Diperbolehkan of Indonesia No. 1 of 2000 concerning the Ratification of
Bekerja), dan Undang-Undang Republik Indonesia No. 1 Tahun ILO Convention No. 182 Concerning the Prohibition and
2000 tentang Pengesahan ILO Convention No. 182 Concerning Immediate Action for the Elimination of the Worst Forms of
The Prohibition And Immediate Action for The Elimination of The Child Labor. The implementation of working hours with clear
Worst Forms of Child Labour (Konvensi ILO No. 182 Mengenai time limits to prevent forced labor also aligns with Law No. 19
Pelarangan dan Tindakan Segera Penghapusan Bentuk-Bentuk of 1999 concerning the Ratification of ILO Convention No. 105
Pekerjaan Terburuk untuk Anak). Adapun pemberlakuan jam Concerning the Abolition of Forced Labor.
kerja dengan batasan waktu yang jelas sehingga tidak terjadi
kerja paksa sejalan dengan Undang-Undang No. 19 Tahun
1999 tentang Pengesahan ILO Convention No. 105 Concerning
The Abolition of Forced Labour (Konvensi ILO Mengenai
Penghapusan Kerja Paksa).
Upah Minimum Regional [OJK F.20] Regional Minimum Wage [OJK F.20]
Bagi Allo Bank, pemenuhan upah minimum bukan sekadar For Allo Bank, fulfilling minimum wage requirements is not
kewajiban hukum, melainkan strategi penting dalam membangun merely a legal obligation, but also a crucial strategy for building
hubungan kerja yang harmonis, memacu produktivitas, serta harmonious working relationships, boosting productivity, and
menjaga keberlanjutan bisnis. Bank berkomitmen penuh pada maintaining business sustainability. The Bank is fully committed
prinsip keadilan dalam sistem pengupahan guna memotivasi to the principle of fairness in its wage system to motivate
karyawan untuk terus berprestasi. Komitmen ini diwujudkan employees to continue to excel. This commitment can be seen
melalui sistem pengupahan nondiskriminatif di mana setiap realized through a non-discriminatory wage system where
karyawan mendapatkan hak yang setara tanpa memandang every employee receives equal rights regardless of gender.
gender. Perbedaan kompensasi hanya didasarkan pada Compensation differences are based solely on individual
pencapaian kinerja dan prestasi individu. performance and accomplishments.
Bank memastikan kepatuhan terhadap regulasi remunerasi, The Bank ensures compliance with remuneration regulations,
terutama bagi karyawan tetap di tingkat terendah, dengan especially for permanent employees at the lowest level. It does
memberikan upah yang memenuhi standar kebutuhan hidup this by providing wages that meet a decent standard of living.
layak. Penentuan besaran upah senantiasa mempertimbangkan Wage determination always takes into account the price of
harga kebutuhan pokok, inflasi, dan variabel kelayakan hidup basic necessities, inflation, and living standards as stipulated
sesuai ketetapan Pemerintah. Allo Bank menjamin bahwa by the Government. Allo Bank guarantees that all employee
seluruh upah karyawan telah memenuhi, bahkan melampaui wages meet, or even exceed, the Regional Minimum Wage
standar Upah Minimum Regional (UMR), termasuk untuk (UMR) standard, including for operations in the Greater Jakarta
operasional di wilayah DKI Jakarta. Khusus untuk tahun 2025, area. Specifically, for 2025, the Bank is guided by Minister
Bank berpedoman pada Peraturan Menteri Ketenagakerjaan of Manpower Regulation No. 16 of 2024 concerning the
No. 16 Tahun 2024 tentang Penetapan Upah Minimum Tahun Determination of the 2025 Minimum Wage.
2025.
Kesetaraan upah tanpa memandang gender ini merupakan This gender-neutral wage equality is also the Bank's concrete
implementasi nyata dari undang-undang ketenagakerjaan implementation of labor laws and ILO Convention No. 100 of
serta Konvensi ILO No. 100 Tahun 1951 tentang Pengupahan 1951 concerning Equal Remuneration for Men and Women
yang Sama bagi Pekerja Laki-laki dan Wanita untuk Pekerjaan Workers for Work of Equal Value.
yang Sama Nilainya (Equal Remuneration for Men and Women
Workers for Work of Equal Value).
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Lingkungan Kerja yang Layak dan Aman [OJK F.21] A Decent and Safe Work Environment [OJK F.21]
Allo Bank menempatkan lingkungan kerja yang layak dan aman Allo Bank prioritizes the importance of a decent and safe
sesuai kaidah Keselamatan dan Kesehatan Kerja (K3) sebagai work environment in accordance with Occupational Safety
fondasi utama operasional perusahaan. Bank meyakini bahwa and Health (OHS) principles as the main foundation of the
penciptaan lingkungan kerja yang optimal memungkinkan Company's operations. The Bank believes that creating an
karyawan bekerja dengan tenang dan produktif tanpa optimal work environment allows employees to work calmly
kekhawatiran terhadap risiko kecelakaan kerja maupun penyakit and productively without worrying about the risk of workplace
akibat kerja (PAK). accidents or occupational diseases.
Upaya preventif dilakukan melalui penataan layout kantor Preventive efforts are implemented through ergonomic office
yang ergonomis serta penyediaan sarana prasarana K3 yang layouts and the provision of comprehensive OHS infrastructure,
lengkap, termasuk untuk kondisi darurat. Fasilitas ini mencakup including emergency facilities. These facilities include smoke
sistem deteksi asap, Alat Pemadam Api Ringan (APAR), hydrant, detection systems, portable fire extinguishers, hydrants, first aid
kotak P3K, hingga dukungan keamanan 24 jam dan fasilitas kits, 24-hour security support, and other supporting facilities.
pendukung lainnya.
Bagi karyawan lapangan, Perseroan menyelenggarakan For field employees, the Company has a special protection
program perlindungan khusus yang meliputi pelatihan mitigasi program that includes risk mitigation training, emergency
risiko, prosedur tanggap darurat, serta proteksi asuransi response procedures, and insurance protection for off-site
kecelakaan kerja di luar kantor. Guna memperkuat budaya accidents. To strengthen its OHS culture, ongoing outreach
K3, sosialisasi dilakukan secara berkelanjutan kepada seluruh efforts are made to all Allo Bank employees. Thanks to this
insan Allo Bank. Berkat komitmen tersebut, Bank berhasil commitment, the Bank was successfully able to achieve zero
mencatatkan nihil kecelakaan kerja (zero accident) dan penyakit workplace accidents and occupational diseases throughout
akibat kerja sepanjang tahun 2025 . 2025.
Pelatihan dan Pengembangan Kemampuan Employee Training and Development [OJK F.22]
Karyawan [OJK F.22]
Allo Bank secara berkesinambungan menyelenggarakan Allo Bank continuously conducts education and training
program pendidikan dan pelatihan untuk memperkuat programs to strengthen employee competency and ensure
kompetensi pegawai dalam menjalankan tanggung jawab that they optimally carry out their responsibilities. As a digital-
secara optimal. Sebagai bank umum berbasis digital, fokus based commercial bank, its development programs focus on
pengembangan difokuskan pada pemenuhan kualifikasi meeting specific qualifications in information technology and
spesifik di bidang teknologi informasi dan bisnis digital. digital business. This development strategy is oriented towards
Strategi pengembangan ini berorientasi pada kekuatan individu individual strengths (strength-based development) that are
(strength-based development) yang diselaraskan dengan arah aligned with the Bank's strategic business direction.
bisnis strategis Bank.
Selain penguatan kepemimpinan, Bank secara aktif menginisiasi In addition to strengthening leadership, the Bank actively initiates
dan berpartisipasi dalam program teknis spesialis mencakup and participates in specialist technical programs covering data
bidang data analytics, digital marketing, serta teknologi analytics, digital marketing, and information technology. The
informasi. Bank mendukung penuh pengembangan personal Bank fully supports the personal and professional development
dan profesional pegawai untuk mengeksplorasi minat baru of employees, allowing them to explore new and relevant
yang relevan. Guna memastikan efektivitasnya, pembelajaran interests. To ensure effectiveness, learning is conducted
dilakukan melalui metode yang fleksibel, baik secara virtual through flexible methods, whether through virtual (e-learning)
(e-learning) maupun tatap muka. or face-to-face means.
Sepanjang tahun 2025, Bank melaksanakan kegiatan Throughout 2025, the Bank implemented 517 competency
pengembangan kompetensi sebanyak 517 program, diikuti development programs that were attended by 476 employees
oleh 476 pegawai atau 89% dari total pegawai dengan jumlah (or 89% of total employees), with a total of 1,476 hours
jam pelatihan sebanyak 1.476 jam. Untuk membiayai kegiatan spent training. To finance these activities, the Bank allocated
tersebut, Bank mengeluarkan dana sebesar Rp5.269.471.513, IDR5,269,471,513, which marked an increase compared to
meningkat dibandingkan tahun 2024 yang mencapai IDR4,853,358,083 in 2024. A complete summary of the Bank's
Rp4.853.358.083. Rekapitulasi program pengembangan competency development program and average employee
kompetensi dan rerata jam pelatihan pegawai selengkapnya training hours is presented in the following table:
disajikan dalam tabel berikut:
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Jumlah Pekerja yang Rata-rata Jam Pelatihan
Memperoleh Pelatihan Jam Pelatihan Setiap Pekerja
Uraian Number of Employees Receiving Training Hours Average Training Hours per
Description Training Employee
2025 2024 2023 2025 2024 2023 2025 2024 2023
Keseluruhan 476 439 366 1.476 1.468 1.293 3,1 3,3 3,5
Overall
Berdasarkan Kategori Jabatan Karyawan
By Employee Position Category
Manajemen 37 38 39 537 324 305 6,7 8,5 7,8
Management
Staf 439 401 327 939 1.144 994 3,6 2,8 3,0
Staff
Dampak Operasi terhadap Masyarakat Impact of Operations on the Surrounding
Sekitar [OJK F.23] Community [OJK F.23]
Allo Bank mengadopsi model operasional bank umum Allo Bank has adopted a digital-based commercial bank
berbasis digital sebagai respons strategis terhadap pesatnya operating model as a strategic response to rapid technological
transformasi teknologi. Visi dan misi yang telah disetujui oleh transformation. The Bank's vision and mission approved by
Dewan Komisaris serta Direksi menjadi kompas utama dalam the Board of Commissioners and Board of Directors serve as
mencapai kinerja optimal yang bertanggung jawab. Dengan its primary compass for achieving optimal and responsible
berpedoman pada visi tersebut, Bank memastikan seluruh performance. Guided by this vision, the Bank ensures that all its
aktivitas operasionalnya dikelola secara hati-hati agar tidak operational activities are carefully managed to avoid negative
menimbulkan dampak negatif bagi masyarakat. impacts on the community.
Sebaliknya, kehadiran Allo Bank dirancang untuk memberikan Conversely, Allo Bank's presence is designed to provide
nilai tambah berkelanjutan melalui penyediaan lapangan kerja sustainable added value by providing employment and
serta pembukaan peluang kemitraan bagi pemasok barang opening partnership opportunities for local suppliers of goods
dan jasa lokal. Kontribusi sosial Bank juga diwujudkan melalui and services. The Bank's social contributions can also be seen
program Tanggung Jawab Sosial dan Lingkungan (TJSL) yang realized through its comprehensive Social and Environmental
komprehensif. Sebagai institusi berbasis digital, operasional Responsibility program. As a digital-based institution, the
Bank tidak memberikan dampak destruktif secara langsung Bank's operations do not have a direct destructive impact on the
terhadap lingkungan. Hal ini tercermin dari nihilnya pengaduan environment. This can be seen reflected in the zero complaints
terkait isu lingkungan yang ditujukan kepada Bank selama the Bank has received related to environmental issues filed
periode pelaporan tahun 2025. against the Bank during the 2025 reporting period.
Pengaduan Masyarakat [OJK F.24] Public Complaints [OJK F.24]
Kepatuhan terhadap regulasi merupakan prinsip utama bagi Compliance with regulations is a key principle for Allo Bank to
Allo Bank untuk menjamin operasional bisnis yang bertanggung ensure responsible business operations towards the community
jawab terhadap masyarakat dan lingkungan. Sebagai bentuk and the environment. As part of its commitment to transparency
komitmen atas transparansi dan akuntabilitas, Allo Bank and accountability, Allo Bank has provided a complaint
menyediakan mekanisme penanganan pengaduan bagi seluruh handling mechanism for all stakeholders, including customers,
pemangku kepentingan, termasuk nasabah, yang merasa who feel impacted by the Bank's operational activities. The
terdampak oleh aktivitas operasional Bank, dan berkomitmen Bank is committed to responding to and resolving all concerns
untuk merespons dan menyelesaikan setiap aspirasi serta and complaints promptly and appropriately. The public and
keluhan secara cepat dan tepat. Masyarakat dan pemangku other stakeholders can submit complaints by visiting the
kepentingan lainnya dapat menyampaikan pengaduan dengan Bank's operational offices in person or through the following
mengunjungi kantor operasional Bank secara langsung atau communication channels:
melalui kanal komunikasi berikut:
Telepon : (+62 21) 7990671, 79184705, 79182387 Telephone: (+62 21) 7990671, 79184705, 79182387
Faksimile: (+62 21) 3841022, 3851023 Fax. : (+62 21) 3841022, 3851023
Email : corsec@allobank.com Email : corsec@allobank.com
Website : www.allobank.com Website : www.allobank.com
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Sepanjang tahun 2025, Bank menerima pengaduan sebanyak Throughout 2025, the Bank received a total of 35,449
35.449 kasus, naik dibandingkan tahun 2024 yang mencapai complaints, which marked an increase compared to 2024,
19.335 kasus. Topik pengaduan yang masuk terbagi dalam when the number reached 19,335. The topics of complaints
beberapa kategori yaitu Kartu ATM/Debit/Mesin ATM, Electronic received were divided into several categories, specifically, ATM/
Banking dan Sistem Pembayaran Lainnya (Transfer Dana), dan Debit Cards/ATM Machines, Electronic Banking and Other
sebanyak 97,18% telah ditindaklanjuti sesuai Standard Operating Payment Systems (Fund Transfers). As many as 97.18% of
Procedure yang berlaku. these complaints have been followed up in accordance with
applicable Standard Operating Procedures.
Kegiatan Tanggung Jawab Sosial Lingkungan Social and Environmental Responsibility Activities
(TJSL) [OJK F.25] [OJK F.25]
Allo Bank mengimplementasikan Program TJSL/CSR Allo Bank implements a CSR Program as a strategic instrument
sebagai instrumen strategis untuk menjembatani hubungan to foster harmonious relationships with the community. Through
harmonis dengan masyarakat. Melalui inisiatif ini, Bank tidak this initiative, the Bank not only contributes to improving
hanya berkontribusi pada peningkatan kualitas hidup dan the quality of life and empowering communities, but also to
pemberdayaan komunitas, tetapi juga memperkuat reputasi strengthening its reputation and public trust. In today's digital
serta kepercayaan publik. Di era digital saat ini, komitmen era, this CSR commitment serves as a tangible demonstration
CSR menjadi bukti nyata tanggung jawab sosial Allo Bank of Allo Bank's social responsibility that boosts its attractiveness
yang mampu meningkatkan daya tarik bagi investor maupun to investors and customers who are highly aware of social and
nasabah yang memiliki kesadaran tinggi terhadap dampak environmental impacts.
sosial dan lingkungan.
Selaras dengan prinsip Triple Bottom Line (People, Planet, In line with the Triple Bottom Line principle (People, Planet,
Profit), CSR bagi Allo Bank merupakan wujud komitmen Profit), CSR for Allo Bank embodies its commitment to
dalam mendukung pembangunan berkelanjutan sekaligus supporting sustainable development while providing added
memberikan nilai tambah bagi seluruh pemangku kepentingan. value to all stakeholders. The Bank defines CSR as taking
Bank mendefinisikan CSR sebagai tanggung jawab atas responsibility for the impact of its decisions and activities on
dampak dari keputusan dan aktivitasnya pada masyarakat dan society and the environment through transparent and ethical
lingkungan melalui perilaku yang transparan dan beretika yang behavior. These are aimed at:
bertujuan untuk:
1. Membangun citra dan reputasi Bank yang dapat 1. Building the Bank's image and reputation, thereby
meningkatkan kepercayaan kepada Allo Bank; increasing trust in Allo Bank;
2. Membangun hubungan yang harmonis dengan segenap 2. Building harmonious relationships with all stakeholders;
pemangku kepentingan;
3. Menumbuhkan positive value karyawan terhadap Allo Bank; 3. Cultivating positive employee value for Allo Bank;
4. Konsisten dengan pembangunan berkelanjutan (sustainable 4. Being consistent with sustainable development and
development) dan kesejahteraan masyarakat; dan community welfare; and
5. Mematuhi peraturan dan ketentuan yang berlaku 5. Compliance with applicable rules and regulations
Allo Bank secara konsisten berupaya mengoptimalkan nilai Allo Bank has consistently worked to optimize the value of its
manfaat kehadirannya di tengah masyarakat melalui payung presence in the community through its "Allo Bank Pelita" CSR
program CSR bertajuk 'Allo Bank Pelita'. Guna memperluas program umbrella. To expand its reach and strengthen its social
jangkauan dan memperkuat dampak sosial bagi seluruh impact for all stakeholders, the Bank has established a strategic
pemangku kepentingan (stakeholders), Bank menjalin collaboration with the CT Arsa Foundation. This initiative
kolaborasi strategis dengan CT Arsa Foundation. Inisiatif ini demonstrates the Bank's concrete support for the acceleration
merupakan wujud nyata dukungan Bank terhadap akselerasi of the government's 17 Sustainable Development Goals (SDGs).
17 Tujuan Pembangunan Berkelanjutan (TPB) atau Sustainable Details of the Bank's 2025 CSR program collaboration and its
Development Goals (SDGs) yang dicanangkan pemerintah. contribution to achieving the nation's SDGs are as follows:
Adapun detail kolaborasi program CSR tahun 2025 serta
kontribusinya terhadap pencapaian TPB/SDGs adalah sebagai
berikut:
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1. Gerakan Berbagi Pangan dan Sembako (“Gebrag”) berupa 1. The Food and Staple Food Sharing Movement ("Gebrag"),
penyediaan paket sembako dan menu makanan gratis which provides free food packages and meals to improve
untuk meningkatkan nutrisi dan memenuhi gizi masyarakat nutrition and meet the nutritional needs of underprivileged
prasejahtera di daerah sekitar Jabodetabek saat berbuka communities in the Greater Jakarta area during Ramadan
puasa selama bulan Ramadhan tahun 2025. Program 2025. This program aligns with SDG 3 on Good Health and
ini sejalan dengan TPB ke-3 Kesehatan yang Baik dan Well-Being;
Kesejahteraan;
2. Program PiMengajar ("PIJAR") sebagai gerakan mengajar 2. The PiMengajar ("PIJAR") program is a teaching movement
di berbagai sekolah di daerah-daerah pelosok Indonesia held in various schools in remote areas of Indonesia and
yang dilakukan secara berkala dengan masa pengabdian conducted periodically for a one-year service period.
selama satu tahun. Dalam hal ini, Allo Bank Pelita bekerja This program saw Allo Bank Pelita collaborating with and
sama dan mendukung program PIJAR CT Arsa Foundation supporting the CT Arsa Foundation's PIJAR program, which
yang dimulai pada tahun 2024 dan terus berlanjut di began in 2024 and continued through 2025. This program,
sepanjang tahun 2025. Program yang selaras dengan TPB aligned with SDG 4 on Quality Education, was designed to
ke-4 Pendidikan Bermutu ini bertujuan untuk meningkatkan boost student motivation and teacher capacity in literacy
motivasi siswa dan kapasitas guru dalam bidang literasi dan and numeracy, while also building community awareness
numerasi, sekaligus membangun kepedulian masyarakat of these issues;
terhadap hal tersebut;
3. Program kebun hidroponik pada tiga lokasi di sekitar 3. A hydroponic garden program at three locations around the
Rumah Inspirasi CT Arsa di Kamal, Jakarta Barat. Program CT Arsa Inspiration House in Kamal, West Jakarta. This CSR
CSR yang selaras dengan TPB ke-2 Tanpa Kelaparan, TPB program, aligned with SDG 2 on Zero Hunger, SDG 8 on
ke-8 Pekerjaan Layak dan Pertumbuhan Ekonomi, TPB ke- Decent Work and Economic Growth, SDG 11 on Sustainable
11 Kota dan Pemukiman yang Berkelanjutan dan TPB ke- Cities and Human Settlements, and SDG 12 on Responsible
12 Konsumsi dan Produksi yang Bertanggung Jawab ini Consumption and Production, began in 2024 and
dimulai pada tahun 2024 dan terus berlanjut sepanjang continued throughout 2025. The program was designed
tahun 2025. Program ini bertujuan untuk meningkatkan to improve nutrition, support food security, and empower
gizi, mendukung ketahanan pangan dan memberdayakan the economy of underprivileged communities around
ekonomi masyarakat pra-sejahtera di sekitar lokasi Rumah the Inspiration House. It also was designed to protect the
Inspirasi, sekaligus untuk menjaga lingkungan melalui environment through hydroponic planting activities and to
kegiatan menanam hidroponik, dan mengajak anak-anak encourage children to enjoy and consume home-grown
untuk menyukai dan mengkonsumsi sayur-sayuran yang vegetables; and
ditanam sendiri; dan
4. Revitalisasi Peradaban Bambu Menoreh Berbasis Kearifan 4. Revitalization of the Menoreh Bamboo Civilization Based
Lokal dan Ekologi untuk Kesejahteraan Masyarakat on Local Wisdom and Ecology for the Welfare of the
Ngargoretno, Magelang, Jawa Tengah. Program Ngargoretno Community, Magelang, Central Java. This
konservasi dilaksanakan bersama Yayasan KEHATI conservation program was implemented in collaboration
dan Forum Komunikasi Direktur Kepatuhan Perbankan with the KEHATI Foundation and the Banking Compliance
(FKDKP) dengan melibatkan berbagai unsur lokal seperti Directors Communication Forum (FKDKP). It involved
LSM, koperasi, petani bambu, kelompok perempuan, dan various local stakeholders such as NGOs, cooperatives,
komunitas penerima manfaat. Upaya konservasi dimulai bamboo farmers, women's groups, and beneficiary
dari lahan Museum Marmer seluas ± 27 hektar dan kini communities. Conservation efforts began on the Marble
telah berkembang mencakup ± 75 hektar lahan masyarakat, Museum land, encompassing approximately ± 27 hectares
termasuk pengoleksian bambu lokal khas Menoreh seperti and later went on to expanding to encompass approximately
Petung, Apus, Ampel, Wulung, Cendani, Deling, Legi, dan ± 75 hectares of community land, including a collection
Gading. Kontribusi Allo Bank dalam program yang selaras of local Menoreh bamboo types such as Petung, Apus,
dengan TPB ke-1 Tanpa Kemiskinan, TPB ke-8 Pekerjaan Ampel, Wulung, Cendani, Deling, Legi, and Gading. Allo
Layak dan Pertumbuhan Ekonomi, TPB ke-12 Konsumsi dan Bank's contribution to the program (which was aligned
Produksi yang Bertanggung Jawab, TPB ke-13. Penanganan with SDG 1 on No Poverty, SDG 8 on Decent Work and
Perubahan Iklim, dan TPB ke-15 Ekosistem Daratan ini Economic Growth, SDG 12 on Responsible Consumption
sebesar Rp23.925.000/tahun untuk tahun 2022-2026 (5 and Production, SDG 13 on Climate Change Management,
tahun). and SDG 15 on Terrestrial Ecosystems) was IDR23,925,000/
year for 2022-2026 (5 years).
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Inovasi dan Pengembangan Produk/Jasa Innovation and Development of Sustainable
Keuangan Berkelanjutan [OJK F.26] Financial Products/Services [OJK F.26]
Allo Bank menyadari bahwa kebutuhan nasabah terus Allo Bank recognizes that customer needs continue to
bertransformasi secara dinamis seiring kemajuan zaman. Demi dynamically transform with the times. In order to maintain its
menjaga daya saing dan keunggulan kompetitif di industri, Bank competitiveness and competitive advantage in the industry,
memprioritaskan inovasi berkelanjutan dalam pengembangan the Bank has prioritized continuous innovation in its product
produk dan layanan. Strategi inovasi Bank tidak hanya berfokus and service development. The Bank's innovation strategy
pada solusi perbankan mutakhir, tetapi juga mencakup focused not only on cutting-edge banking solutions but
transformasi strategi pemasaran serta penguatan berbagai also encompassed transforming its marketing strategy and
aspek operasional lainnya untuk menghadirkan pengalaman strengthening its various other operational aspects to deliver a
digital yang komprehensif. comprehensive digital experience.
Sepanjang tahun 2025, Allo Bank secara konsisten memperkuat Throughout 2025, Allo Bank has consistently worked to
portofolio jasa keuangan berkelanjutan melalui pengembangan strengthened its sustainable financial services portfolio
produk digital dan perluasan kemitraan strategis. Beberapa through digital product development and expanding strategic
inisiatif utama yang telah mendapatkan persetujuan regulator partnerships. Several key initiatives that have received regulatory
meliputi implementasi status Bank Devisa dan peluncuran approval include the implementation of Foreign Exchange Bank
Website Onboarding PayLater. status and its launch of the PayLater Onboarding Website.
Inovasi dalam aspek sistem pembayaran antara lain Bank Innovations in the payment system aspects included the Bank
mengembangkan sistem pembayaran dengan QRIS yaitu developing a QRIS payment system, specifically, QRIS Cash
QRIS Tarik Tunai, Transfer dan Setor Tunai (Tuntas) & QRIS Withdrawal, Transfer, and Cash Deposit (Tuntas) and QRIS
Customer Presented Mode (CPM). Di luar itu, Bank juga dalam Customer Presented Mode (CPM). Furthermore, the Bank is
tahap mengikuti proses sandbox QRIS Crossborder Tiongkok. also in the process of participating in the China Cross-border
Sementara itu, pengembangan aktivitas kerjasama baru berupa QRIS sandbox process. Meanwhile, the development of new
layanan open API berbasis SNAP dilakukan Bank dengan PT collaborative activities in the form of SNAP-based open
Prismalink International, PT Nusantara Sejahtera Raya (Cinema API services was carried out by the Bank together with PT
XXI), PT Indonesia Comnets Plus (PLN ICON Plus), PT Trans Prismalink International, PT Nusantara Sejahtera Raya (Cinema
Digital Media (Detik). XXI), PT Indonesia Comnets Plus (PLN ICON Plus), PT Trans
Digital Media (Detik).
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Produk/Jasa yang sudah Dievaluasi Keamanannya Products/Services Evaluated for Customer Safety
Bagi Nasabah [OJK F.27] [OJK F.27]
Seluruh produk dan jasa yang ditawarkan Allo Bank telah All products and services offered by Allo Bank have met strict
memenuhi persyaratan ketat dan memperoleh persetujuan dari requirements and have received approval from the Financial
Otoritas Jasa Keuangan (OJK) guna menjamin keamanan bagi Services Authority (OJK) to ensure the safety of all customers.
seluruh nasabah. Sebagai perwujudan kepatuhan terhadap As a manifestation of its regulatory compliance, the Bank has
regulasi, Bank secara konsisten mengimplementasikan POJK consistently worked to implement POJK No. 6/POJK.07/2022
No. 6/POJK.07/2022 dan POJK No. 22 Tahun 2023 tentang and POJK No. 22 of 2023 concerning Consumer and Public
Perlindungan Konsumen dan Masyarakat di Sektor Jasa Protection in the Financial Services Sector. The implementation
Keuangan. Implementasi regulasi tersebut dituangkan ke dalam of these regulations has been outlined in the Bank's internal
peraturan internal Pedoman Akuntansi dan Prosedur (PAP) No. regulation, specifically, through Accounting Guidelines and
180101.01.3 tentang Perlindungan Konsumen dan Masyarakat Procedures (PAP) No. 180101.01.3 concerning Consumer and
di Sektor Jasa Keuangan. Public Protection in the Financial Services Sector.
Guna memitigasi risiko kerugian atas produk dan jasa yang To mitigate the Bank's risk of loss from the products and
ditawarkan kepada nasabah, Allo Bank secara berkala services it offered to customers, Allo Bank has regularly
menyampaikan edukasi mengenai profil risiko, termasuk provided education on risk profiles, including market risks
risiko pasar dan fluktuasi mata uang. Sebagai bank digital, and currency fluctuations. As a digital bank, this information
transparansi informasi ini disampaikan melalui ekosistem digital transparency can be seen communicated through the Bank's
Bank, mulai dari situs resmi hingga platform media sosial digital ecosystem, from its official website to social media
seperti Instagram, Facebook, LinkedIn, YouTube, TikTok, dan X platforms such as Instagram, Facebook, LinkedIn, YouTube,
(Twitter). TikTok, and X (Twitter).
Sejalan dengan upaya tersebut, Bank aktif menyelenggarakan In line with these efforts, the Bank has actively implemented
program literasi dan inklusi keuangan untuk memastikan financial literacy and inclusion programs to ensure customers
nasabah memiliki pemahaman yang komprehensif atas produk have a comprehensive understanding of the products they
yang dipilih. Dengan demikian, nasabah dapat mengambil choose. This allows them to make informed financial decisions
keputusan keuangan yang tepat sesuai dengan kebutuhan dan tailored to their individual needs and risk profiles.
profil risiko masing-masing.
Kerahasiaan Nasabah Customer Confidentiality
Allo Bank menempatkan kerahasiaan data nasabah sebagai Allo Bank views customer data confidentiality as a fundamental
hak fundamental yang wajib dilindungi. Penggunaan data dan right that must be protected. Its use of customer data and
informasi nasabah dilakukan secara ketat hanya untuk tujuan information is strictly carried out only for purposes permitted by
yang diizinkan oleh peraturan perundang-undangan yang applicable laws and regulations. As an institution that upholds
berlaku. Sebagai institusi yang menjunjung tinggi kepercayaan public trust, the Bank is fully committed to implementing the
publik, Bank berkomitmen penuh menjalankan amanat mandates of Law No. 27 of 2022 concerning Personal Data
Undang-Undang No. 27 Tahun 2022 tentang Pelindungan Protection and Financial Services Authority Circular Letter No.
Data Pribadi dan Surat Edaran Otoritas Jasa Keuangan No. 14/ 14/SEOJK.07/2014 concerning the Confidentiality and Security
SEOJK.07/2014 mengenai Kerahasiaan dan Keamanan Data of Consumer Personal Data and/or Information.
dan/atau Informasi Pribadi Konsumen.
Selaras dengan prinsip transparansi, Allo Bank menjamin In line with the principle of transparency, Allo Bank guarantees
bahwa data pribadi nasabah tidak akan dibagikan kepada pihak that customer personal data will not be shared with third parties
ketiga tanpa persetujuan eksplisit dari pemilik data. Persetujuan without the explicit consent of the data owner. This consent
tersebut wajib dinyatakan secara formal melalui dokumen must be formally stated through a written document or the
tertulis atau penandatanganan formulir persetujuan resmi guna signing of an official consent form to ensure accountable and
memastikan perlindungan data yang akuntabel dan aman. secure data protection.
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Sebagai lembaga jasa keuangan yang bertanggung jawab As a financial services institution responsible for collecting and
dalam menghimpun dan memproses data pribadi nasabah, processing customer personal data, Allo Bank has established
Allo Bank telah membentuk Satuan Tugas (Task Force) khusus a Task Force specifically for Personal Data Protection. The Task
Pelindungan Data Pribadi. Task Force yang terdiri dari Unit Force, comprised of a Cyber Risk Unit, Legal Unit, Compliance
Risiko Cyber, Unit Legal, Unit Kepatuhan, dan Unit Keamanan Unit, and Information Security Unit, ensures the Bank's
Informasi memastikan kepatuhan terhadap implementasi dari compliance with Law No. 27 of 2022 concerning Personal Data
Undang-Undang No. 27 Tahun 2022 tentang Perlindungan Protection. To strengthen its performance, the Task Force has
Data Pribadi. Untuk mengukuhkan kinerjanya, Task Force telah conducted awareness training on Personal Data Protection for
melaksanakan pelatihan kesadaran terhadap Pelindungan employees and held workshops on completing personal data
Data Pribadi untuk karyawan, serta menyelenggarakan processing documentation (Records of Processing Activity or
workshop pengisian dokumentasi perekaman pemrosesan data RoPA). These workshops have been attended by representatives
pribadi (Records of Processing Activity atau RoPA) yang diikuti from all divisions within the Bank. In addition, the Personal Data
oleh semua perwakilan dari semua divisi yang ada di Bank Protection Task Force conducted a Risk Assessment related
telah dilakukan. Seiring dengan itu, Risk Assessment terkait to Personal Data Protection. It did so in the form of a Data
Pelindungan Data Pribadi dalam bentuk Data Protection Impact Protection Impact Assessment (DPIA), following the completion
Assessment (DPIA) juga dilakukan oleh Task Force Pelindungan of the RoPA process in each division.
Data Pribadi setelah proses RoPA di masing-masing divisi
selesai dilakukan.
Komitmen kuat Allo Bank dalam memproteksi data nasabah Allo Bank's strong commitment to protecting customer
terbukti efektif dengan nihilnya insiden pengaduan, baik data has been proven effective, with zero complaints from
dari pihak nasabah maupun regulator, terkait pelanggaran either customers or regulators regarding data confidentiality
kerahasiaan data. Sepanjang tahun pelaporan, tidak ditemukan breaches. Throughout the reporting year, there were no cases
kasus kebocoran, pencurian, maupun kehilangan data of leaks, theft, or loss of customer data. As a result, the Bank
nasabah. Sebagai hasilnya, Bank tidak menerima denda atau did not receive any fines or legal sanctions related to customer
sanksi hukum apapun terkait pelanggaran privasi pelanggan privacy violations during the reporting year.
pada tahun pelaporan.
Dampak Produk/Jasa [OJK F.28] Impact of Products/Services [OJK F.28]
Allo Bank menetapkan dampak produk dan jasa sebagai Allo Bank has established the impact of its products and services
pilar utama dalam strategi bisnisnya. Untuk memastikan as a key pillar of its business strategy. To ensure sustainability, the
keberlanjutan, Bank secara berkala melakukan evaluasi Bank has periodically conducted comprehensive evaluations of
komprehensif terhadap seluruh portofolio produk serta its entire product portfolio and compiled a comprehensive risk
menyusun klasifikasi profil risiko secara menyeluruh. Selaras profile classification. In line with sustainable finance principles
dengan prinsip keuangan berkelanjutan dan Kriteria Kegiatan and Sustainable Business Activity Criteria (KKUB) as stipulated
Usaha Berkelanjutan (KKUB) sesuai POJK, Bank menerapkan in Financial Services Authority Regulations, the Bank has
prinsip kehati-hatian dalam penyaluran kredit guna memitigasi applied prudent principles in lending to mitigate environmental
risiko lingkungan dan sosial. and social risks.
Fokus penyaluran kredit Bank diarahkan pada sektor UMKM The Bank's lending focus is directed at the MSME sector and
dan industri berwawasan lingkungan yang memberikan nilai environmentally-conscious industries that provide positive
tambah positif bagi masyarakat. Berkat implementasi standar added value to society. Thanks to its strict implementation of
Environmental, Social and Governance (ESG) yang ketat, Allo Environmental, Social, and Governance (ESG) standards, Allo
Bank mencatatkan bahwa selama tahun 2025 tidak terdapat Bank saw that no products or services in 2025 have had any
produk maupun layanan yang memberikan dampak negatif negative impact on social or environmental aspects.
terhadap aspek sosial dan lingkungan.
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Kontribusi terhadap Literasi dan Inklusi Keuangan Contribution to Financial Literacy and Inclusion
Literasi dan inklusi keuangan merupakan pilar krusial dalam Financial literacy and inclusion are crucial pillars in
memperkuat pemahaman masyarakat terhadap produk jasa strengthening public understanding of financial services
keuangan serta mendorong pengelolaan keuangan yang products and encouraging wiser financial management. In
lebih bijak. Sejalan dengan arahan Pemerintah, lembaga jasa line with government directives, financial services institutions
keuangan termasuk perbankan memegang peran sentral such as banks play central roles in expanding financial access
dalam memperluas akses keuangan melalui berbagai program through various strategic programs. Guided by OJK Regulation
strategis. Berpedoman pada POJK No. 76/POJK.07/2016 No. 76/POJK.07/2016 concerning Improving Financial Literacy
tentang Peningkatan Literasi dan Inklusi Keuangan di Sektor and Inclusion in the Financial Services Sector for Consumers
Jasa Keuangan Bagi Konsumen dan/atau Masyarakat, Allo and/or the Public, Allo Bank has come to define financial literacy
Bank memaknai literasi keuangan sebagai pengetahuan, as the knowledge, skills, and beliefs that influence attitudes
keterampilan, dan keyakinan yang mempengaruhi sikap and behaviors that improve decision-making and financial
dan perilaku untuk meningkatkan kualitas pengambilan management in order to achieve well-being. Meanwhile,
keputusan dan pengelolaan keuangan dalam rangka mencapai financial inclusion refers to the availability of access to various
kesejahteraan. Adapun inklusi keuangan adalah ketersediaan financial institutions, products, and services according to the
akses pada berbagai lembaga, produk dan layanan jasa needs and capabilities of the community, all as a means to
keuangan sesuai dengan kebutuhan dan kemampuan improve public welfare.
masyarakat dalam rangka meningkatkan kesejahteraan
masyarakat.
Untuk mengukur indeks literasi dan inklusi keuangan To measure the public's financial literacy and inclusion index,
masyarakat, Otoritas Jasa Keuangan (OJK) dan Badan Pusat the Financial Services Authority (OJK) and the Central Statistics
Statistik (BPS) melaksanakan Survei Nasional Literasi dan Agency (BPS) conducted a 2025 National Survey on Financial
Inklusi Keuangan (SNLIK) 2025 yang menunjukkan kenaikan Literacy and Inclusion (SNLIK). This survey demonstrated an
indeks literasi keuangan mencapai 66,46% dan indeks inklusi increase in the nation's financial literacy index, with the year's
keuangan 80,51%. Hasil SNLIK 2025 tersebut meningkat numbers reaching 66.46% and with the financial inclusion
dibanding SNLIK 2024 yang menunjukkan indeks literasi index reaching 80.51%. The 2025 SNLIK results marked an
keuangan 65,43% dan indeks inklusi keuangan 75,02%. increase compared to the 2024 version of the SNLIK, the latter
of which showed a financial literacy index of 65.43% and a
financial inclusion index of 75.02%.
Penghitungan SNLIK Tahun 2025 dilakukan menggunakan The 2025 SNLIK calculation was made using two methods: the
dua metode yaitu Metode Keberlanjutan dan Metode Sustainability Method and the DNKI Coverage Method. The
Cakupan DNKI. Metode Keberlanjutan adalah perhitungan Sustainability Method covers nine financial services sectors
yang dilakukan dengan cakupan sembilan sektor jasa (Banking, Capital Markets, Insurance, Financing Institutions,
keuangan (Perbankan, Pasar Modal, Perasuransian, Lembaga Pension Funds, Pawnshops, Microfinance Institutions, Fintech
Pembiayaan, Dana Pensiun, Pergadaian, Lembaga Keuangan Lending, PT Permodalan Nasional Madani) and Payment
Mikro, Fintech Lending (Pindar), PT Permodalan Nasional System Providers (PSP), as covered in the 2024 SNLIK. As a
Madani) dan Penyelenggara Sistem Pembayaran (PSP) result, this method can be used as a way to measure the success
sebagaimana cakupan pada SNLIK Tahun 2024 sehingga of the Financial Services Authority (OJK)'s financial literacy and
dapat digunakan sebagai alat ukur keberhasilan program literasi inclusion programs. The DNKI (National Council for Financial
dan inklusi keuangan OJK. Adapun Metode Cakupan DNKI Inclusion) Coverage Method expands the scope of the financial
(Dewan Nasional Keuangan Inklusif) adalah penghitungan yang sector by adding the Social Security Administration Agency
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memperluas cakupan sektor keuangan dengan penambahan (BPJS Kesehatan), the BPJS Ketenagakerjaan, and other
Badan Penyelenggara Jaminan Sosial (BPJS) Kesehatan, BPJS financial services institutions (Savings and Loan Cooperatives,
Ketenagakerjaan serta Lembaga Jasa Keuangan Lain (Koperasi Crypto Asset Trading Providers, PT Pos Indonesia, the
Simpan Pinjam (KSP)/Penyelenggara Perdagangan Aset Kripto/ Guarantee Institution, and others).
PT Pos Indonesia/Lembaga Penjaminan/dan lain-lain).
Metode Keberlanjutan menunjukkan indeks literasi keuangan The Sustainability method showed that Indonesia's financial
Indonesia sebesar 66,46% dan indeks inklusi keuangan sebesar literacy index was at 66.46%, while its financial inclusion index
80,51%. Sementara itu, metode Cakupan DNKI menunjukkan was at 80.51%. Meanwhile, the DNKI Coverage method showed
indeks literasi keuangan sebesar 66,64% dan indeks inklusi a financial literacy index of 66.64% and a financial inclusion
keuangan sebesar 92,74%. Selanjutnya, baik melalui metode index of 92.74%. Furthermore, through both the Sustainability
Kebelanjutan maupun Cakupan DNKI, literasi keuangan syariah and DNKI Coverage methods, it was found that sharia financial
mencapai 43,42% dan inklusi keuangan syariah sebesar literacy reached 43.42%, while sharia financial inclusion was
13,41%. at 13.41%.
Pendataan rumah tangga sampel SNLIK Tahun 2025 dilakukan Data collection on sample households for the 2025 SNLIK
mulai 22 Januari hingga 11 Februari 2025 di 34 provinsi yang was conducted from 22 January to 11 February, 2025, in 34
mencakup 120 kota/kabupaten termasuk 8 wilayah kantor OJK provinces, covering 120 cities/regencies, including eight
(1.080 blok sensus). Jumlah responden SNLIK Tahun 2025 OJK office areas (1,080 census blocks). The total number of
sebanyak 10.800 orang yang berumur antara 15 s.d. 79 tahun. respondents for the 2025 SNLIK was 10,800 people aged
SNLIK Tahun 2025 menggunakan parameter literasi keuangan 15 to 79. The 2025 SNLIK used financial literacy parameters
yang terdiri dari pengetahuan, keterampilan, keyakinan, sikap consisting of knowledge, skills, beliefs, attitudes, and behavior,
dan perilaku, sementara indeks inklusi keuangan menggunakan while the financial inclusion index used usage parameters for
parameter penggunaan (usage) terhadap produk dan layanan financial products and services.
keuangan.
Sebagai bentuk kepatuhan dalam memenuhi kewajiban Bank As a form of compliance with the Bank's obligations as stipulated
sebagaimana terlampir dalam POJK No. 3 Tahun 2023 tentang in POJK No. 3 of 2023 concerning Improving Financial Literacy
Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa and Inclusion in the Financial Services Sector for Consumers
Keuangan Bagi Konsumen dan Masyarakat dan POJK No. 22 and the Public and POJK No. 22 of 2023 concerning Consumer
Tahun 2023 tentang Pelindungan Konsumen dan Masyarakat di and Public Protection in the Financial Services Sector, the
Sektor Jasa Keuangan, Bank melakukan kegiatan edukasi literasi Bank carried out financial literacy and inclusion education to
dan inklusi keuangan melalui berbagai sarana, baik pemberian external parties through various channels, including through
edukasi secara luring (offline) maupun penyampaian secara the Bank's social media, online podcasts, financial seminars/
daring (online) dengan tujuan menyampaikan edukasi dan talk shows, and collaboration with other institutions. By the
literasi kepada masyarakat termasuk nasabah Bank mengenai end of 2025, the Bank had successfully implemented 8 (eight)
keuangan secara umum dan manfaat, cara penggunaan literacy activities and 4 (four) inclusion activities in 2025, all of
produk Bank, cara mengantisipasi kejahatan siber dan lainnya which were done in accordance with the Bank's 2025 Financial
yang mencakup topik literasi keuangan. Pelaksanaan kegiatan Education Implementation Report and the 2025 Financial
diantaranya penyampaian edukasi melalui sesi seminar/ Inclusion Implementation Report submitted to regulators.
talkshow, literasi melalui sosial media Bank, dan sosialisasi.
Hingga akhir tahun 2025, Bank berhasil menjalankan sebanyak
8 (delapan) kegiatan literasi dan 4 (empat) kegiatan inklusi pada
tahun 2025, sesuai dengan Laporan Pelaksanaan Edukasi
Keuangan 2025, dan Laporan Pelaksanaan Inklusi Keuangan
2025 yang disampaikan kepada Regulator.
Lebih dari itu, Bank juga melakukan kolaborasi dengan Furthermore, the Bank has also collaborated with various
berbagai institusi dalam menjalankan pelaksanaan Literasi institutions to implement Financial Literacy throughout 2025
Keuangan selama tahun 2025 baik secara tatap muka (luring) through both face-to-face (offline) and online means. These
maupun tanpa tatap muka (daring). Beberapa hasil capaian activities carried out in 2025 included the following:
pelaksanaan kegiatan yang telah dijalankan pada tahun 2025
adalah sebagai berikut:
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1. Edukasi keuangan dalam segmen “CNBC: Money Talks” 1. Financial education in the "CNBC: Money Talks" segment
yaitu berkolaborasi dengan CNBC Indonesia; that was done in collaboration with CNBC Indonesia;
2. Edukasi keuangan melalui sesi podcast bersama SWA 2. Financial education through podcast sessions with SWA
Media; Media;
3. Penyampaian edukasi pada Konferensi Nasional Sistem 3. Educational presentations at the 2025 National Information
Informasi 2025 bersama Institut Teknologi Bandung (ITB); Systems Conference with the Bandung Institute of
Technology (ITB);
4. Penyampaian edukasi melalui kegiatan sosialisasi bersama 4. Educational presentations through outreach activities
LM FEB Universitas Indonesia & Singapore Management with the Faculty of Economics and Business (LM FEB) of
University dalam acara Asian Financial Leaders Program the University of Indonesia and Singapore Management
2025; University at the Asian Financial Leaders Program 2025
event;
5. Penyampaian edukasi melalui media sosial resmi Allo 5. Educational presentations through Allo Bank's official
Bank baik dengan diseminasi materi edukasi melalui social media channels, both through dissemination of
konten milik Allo Bank maupun menampilkan konten educational materials through Allo Bank's own content
edukasi/campaign yang diarahkan oleh Regulator dengan and by featuring educational content/campaigns directed
tujuan meningkatkan edukasi keuangan, meningkatkan by the Regulator aimed at improving financial education,
pemahaman mengenai penggunaan produk dan/atau jasa raising understanding of the use of financial products and/
keuangan, serta pemahaman atas pentingnya menghindari or services, and understanding the importance of avoiding
modus kejahatan keuangan secara umum maupun digital. financial crimes in general and digitally.
Jumlah Produk/Jasa yang Ditarik Kembali [OJK F.29] Number of Products/Services Recalled [OJK F.29]
Selama tahun 2025, tidak ada produk/jasa Bank yang ditarik Throughout 2025, the Bank didn't have any products/services
kembali dari pasar dengan alasan apapun. that were withdrawn from the market for any reason.
Survei Kepuasan Nasabah terhadap Produk dan/ Customer Satisfaction Survey on Sustainable
atau Jasa Keuangan Berkelanjutan [OJK F.30] Financial Products and/or Services [OJK F.30]
Bagi Allo Bank, survei kepuasan nasabah merupakan instrumen For Allo Bank, customer satisfaction surveys serve as strategic
strategis untuk mengevaluasi sekaligus meningkatkan kualitas tools for evaluating and continuously improving the quality of
produk dan layanan secara berkelanjutan. Melalui mekanisme its own products and services. This mechanism enables the
ini, Bank dapat memetakan kebutuhan, ekspektasi, serta Bank to map the needs, expectations, and challenges faced
tantangan yang dihadapi nasabah dalam ekosistem digital by customers in its digital ecosystem. The results of this survey
kami. Hasil survei ini menjadi landasan utama bagi Bank serve as the primary foundation for the Bank in designing more
dalam merancang strategi pelayanan yang lebih personal personalized service strategies and developing relevant product
dan mengembangkan inovasi produk yang relevan guna innovations to provide a real positive impact for all customers.
memberikan dampak positif yang nyata bagi seluruh nasabah.
Berdasarkan hasil survei tahun 2025, sebanyak 77,80% Based on the results of its 2025 survey, as many as 77.80%
nasabah menyatakan puas terhadap layanan Allo Bank, of customers stated that they were satisfied with Allo Bank's
turun sebesar 0,76% dibandingkan tahun 2024 dengan services. This marked an decrease of 0.76% compared to
skor kepuasan nasabah (customer satisfaction score) sebesar 2024's customer satisfaction score of 78.56%. Measurement of
78,56%. Pengukuran tingkat kepuasan nasabah terdiri dari customer satisfaction levels consists of various aspects. These
berbagai aspek meliputi ketersediaan produk dan fitur, aspects included product and feature availability, ease of use
kemudahan penggunaan aplikasi, keamanan transaksi, dan of the Bank's application, transaction security, and responsive
respons layanan pelanggan yang tanggap. customer service responses.
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Verifikasi Tertulis dari Pihak
Independen
● Written Verification from an Independent Party [OJK G.1]
Laporan Keberlanjutan ini belum This Sustainability Report has not been
diverifikasi oleh Penyedia Jasa Assurance verified by an independent assurance
(Assurance Services Provider) yang services provider. However, PT Allo
independen. Namun demikian, PT Allo Bank Indonesia Tbk ensures that all
Bank Indonesia Tbk menjamin bahwa information disclosed in this report is
seluruh informasi yang diungkapkan true, accurate, and factual.
dalam laporan ini adalah benar, akurat,
dan faktual.
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Lembar
Umpan Balik
● Feedback Sheet [OJK G.2]
Terima kasih kepada Bapak/Ibu/Saudara yang telah Thank you for reading the 2025 Sustainability Report
membaca Laporan Keberlanjutan PT Allo Bank of PT Allo Bank Indonesia Tbk. To improve the quality
Indonesia Tbk Tahun 2025. Untuk meningkatkan of the contents of the Bank’s Sustainability Report in
kualitas isi Laporan Keberlanjutan pada tahun-tahun the coming years, we hope that you will fill out this
mendatang, kami berharap Bapak/Ibu/Saudara Feedback Sheet by circling any one answer and fill
bersedia untuk mengisi Lembar Umpan Balik ini in the blanks provided, then send the finished survey
dengan melingkari salah satu jawaban dan mengisi back to us.
titik-titik yang tersedia, kemudian mengirimkannya
kepada kami.
1. Laporan Keberlanjutan ini sudah memberikan 1. This Sustainability Report has provided clear
informasi yang jelas mengenai kinerja ekonomi, information regarding the economic, social and
sosial dan lingkungan yang dilakukan oleh Bank: environmental performance carried out by the Bank:
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
2. Laporan Keberlanjutan ini sudah memberikan 2. This Sustainability Report has provided clear
informasi yang jelas mengenai pemenuhan information regarding the fulfillment of the Bank’s
tanggung jawab sosial dan lingkungan Bank: social and environmental responsibilities:
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
3. Materi dan data dalam Laporan Keberlanjutan ini 3. The materials and data in this Sustainability Report
mudah dimengerti dan dipahami: are easy to understand:
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
4. Materi dan data dalam Laporan Keberlanjutan ini 4. The materials and data in this Sustainability Report
sudah cukup lengkap: are quite comprehensive:
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
5. Apakah desain, tata letak, grafis, dan foto-foto 5. Are the designs, layout, graphics, and photos in
dalam Laporan Keberlanjutan ini sudah bagus? this Sustainability Report good?
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
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6. Informasi apa yang paling bermanfaat dari 6. What information in this Sustainability Report do
Laporan Keberlanjutan ini? you find most useful?
7. Informasi apa yang dinilai kurang bermanfaat dari 7. What information in this Sustainability Report do
Laporan Keberlanjutan ini? you find less useful?
8. Informasi apa yang dinilai masih kurang dari 8. What information do you think is missing and
Laporan Keberlanjutan ini dan perlu ditambahkan should be included in the Bank’s next Sustainability
pada Laporan Keberlanjutan mendatang? Report?
Identitas Pengirim | Sender Identity
Nama | Name :
Email :
Identifikasi menurut kategori pemangku kepentingan (beri tanda √ yang sesuai):
Identification by stakeholder category (mark √ as appropriate):
Nasabah dan klien | Customer and client
Investor | Investor
Regulator | Regulator
Masyarakat | Society
Lainnya | Other
Mohon Lembar Umpan Balik ini dikirimkan ke: Please send this Feedback Sheet to:
Sekretaris Perusahaan Corporate Secretary
PT Allo Bank Indonesia Tbk PT Allo Bank Indonesia Tbk
Menara Bank Mega Lantai 5-6, Mega Bank Tower, 5th - 6th Floors
Jl. Kapten P. Tendean No. 12-14A, St. Kapten P. Tendean No. 12-14A,
Jakarta Selatan 12790, Indonesia. South Jakarta 12790, Indonesia.
Telepon: (+62 21) 7990671, 79184705, 79182387 Telephone: (+62 21) 7990671, 79184705, 79182387
Email: corsec@allobank.com Email: corsec@allobank.com
Website: www.allobank.com Website: www.allobank.com
Laporan Tahunan & Laporan Keberlanjutan ● 2025 PT ALLO BANK INDONESIA TBK
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Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
Tanggapan terhadap Umpan Balik
Laporan Tahun Sebelumnya
● Response to the Previous Year's Report Feedback [OJK G.3]
Selama tahun 2025, PT Allo Bank Indonesia Tbk Throughout 2025, PT Allo Bank Indonesia Tbk did not
tidak mendapat tanggapan dari para pemangku receive any feedback from stakeholders regarding its
kepentingan berkaitan dengan Laporan Keberlanjutan 2024 Sustainability Report. However, the Bank has
2024. Namun demikian, Bank senantiasa berupaya continued to work at improving the contents of its
untuk menyempurnakan isi laporan agar memenuhi reports to comply with guidelines stipulated in OJK
panduan penulisan yaitu POJK No. 51/POJK.03/2017. Regulation No. 51/POJK.03/2017.
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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553 Performa 2025 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Daftar Pengungkapan Sesuai
POJK 51/POJK.03/2017
● List of Disclosures in Accordance with POJK 51/POJK.03/2017
[OJK G.4]
Nama Indeks Halaman
No. Indeks
Index Description Page
Strategi Keberlanjutan
Sustainability Strategy
Penjelasan Strategi Keberlanjutan 494
A.1
Sustainability Strategy Statement
Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Performance Highlight
Aspek Ekonomi 483
B.1
Economic Aspect
Aspek Lingkungan Hidup 484
B.2
Environmental Aspect
Aspek Sosial 484
B.3
Social Aspect
Profil Perusahaan
Company Profile
Visi, Misi, dan Nilai Keberlanjutan 502
C.1
Vision, Mission, and Sustainability Values
Alamat Perusahaan 502
C.2
Company Address
Skala Usaha 504
C.3
Scale of Organization
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan 502
C.4
Products, Services, and Business Activities Undertaken
Keanggotaan pada Asosiasi 505
C.5
Memberships in Associations
Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan 505
C.6
Significant Change in Issuers and Public Companies
Penjelasan Direksi
Board of Directors’ Report
Penjelasan Direksi 485
D.1
Board of Directors’ Report
Tata Kelola Keberlanjutan
Sustainability Governance
Penanggung Jawab Penerapan Keuangan berkelanjutan 508
E.1
Person in Charge of Sustainable Finance Implementation
Pengembangan Kompetensi Terkait Keuangan berkelanjutan 508
E.2
Competency Development Related to Sustainable Finance
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Good Corporate Governance Sustainability Report Financial Statements
Nama Indeks Halaman
No. Indeks
Index Description Page
Penilaian Risiko Atas Penerapan Keuangan berkelanjutan 512
E.3
Risk Assessment on Sustainable Finance Implementation
Hubungan dengan Pemangku Kepentingan 514
E.4
Relations with Stakeholders
Permasalahan terhadap Penerapan Keuangan berkelanjutan 515
E.5
Issues with Sustainable Finance Implementation
Kinerja Keberlanjutan
Sustainability Performance
Kegiatan Membangun Budaya Keberlanjutan 518
F.1
Activities to Build a Culture of Sustainability
Kinerja Ekonomi
Economic Performance
Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, 522
Pendapatan dan Laba Rugi
F.2
Comparison of Production Targets and Performance, Portfolios, Financing Targets, or
Investments, Income and Profit and Loss
Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi Pada 525
Instrumen Keuangan atau Proyek yang Sejalan dengan Penerapan Keuangan Berkelanjutan
F.3
Comparison of Portfolio Targets and Performance, Financing Targets, or Investments in
Financial Instruments or Projects that are in Line with Sustainable Finance Implementation
Kinerja Lingkungan Hidup
Environmental Performance
Aspek Umum
General Affairs Aspect
Biaya Lingkungan Hidup 534
F.4
Environmental Costs
Aspek Material
Material Aspect
Penggunaan Material yang Ramah Lingkungan 528
F.5
Use of Environmentally Friendly Materials
Aspek Energi
Energy Aspect
Jumlah dan Intensitas Energi yang Digunakan 531
F.6
Amount and Intensity of Used Energy
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan 530
F.7
Attempts and Achievement of Energy Efficiency and Use of Renewable Energy
Aspek Air
Water Aspect
Penggunaan Air 533
F.8
Water Usage
Aspek Keanekaragaman Hayati
Biodiversity Aspect
Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki N/R
Keanekaragaman Hayati
F.9
Impact of Operational Areas Nearby or Located in Conservation Areas or in Areas With
Biodiversity
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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Performance 2025 Management Reports Company Profile Management Discussion and Analysis
Nama Indeks Halaman
No. Indeks
Index Description Page
Usaha Konservasi Keanekaragaman Hayati N/R
F.10
Attempts at Biodiversity Conservation
Aspek Emisi
Emission Aspect
Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya 532
F.11
Amount and Intensity of Produced Emissions by Type
Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan 530
F.12 Amount and Intensity of Resulting Emissions by Type of Emission Reduction Efforts and
Achievements
Aspek Limbah Dan Efluen
Waste and Effluent Aspects
Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis N/R
F.13
The Amount of Waste and Effluent Generated by Type
Mekanisme Pengelolaan Limbah dan Efluen N/R
F.14
Waste and Effluent Management Mechanisms
Tumpahan yang Terjadi (Jika Ada) N/R
F.15
Leakage, if any
Aspek Pengaduan Terkait Lingkungan Hidup
Complaint Aspects Related to the Environment
Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan N/R
F.16
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/ 536
atau Jasa yang Setara Kepada Konsumen
F.17
Commitment of Financial Services Institutions, Issuers, or Public Companies to Provide Equal
Services for Products and/or Services to Customers
Aspek Ketenagakerjaan
Employment Aspect
Kesetaraan Kesempatan Bekerja 537
F.18
Equal Opportunity to Work
Tenaga Kerja Anak dan Tenaga Kerja Paksa 537
F.19
Child Labor and Forced Labor
Upah Minimum Regional 538
F.20
Regional Minimum Wage
Lingkungan Bekerja yang Layak dan Aman 539
F.21
Decent and Safe Work Environment
Pelatihan dan Pengembangan Kemampuan Pegawai 539
F.22
Training and Capacity Building for Employees
Aspek Masyarakat
Community Aspect
Dampak Operasi Terhadap Masyarakat Sekitar 540
F.23
Impact of Operations on the Surrounding Communities
Pengaduan Masyarakat 540
F.24
Public Complaints
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) 541
F.25
Environmental Social Responsibility Activities
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Laporan Keberlanjutan Laporan Keuangan
Good Corporate Governance Sustainability Report Financial Statements
Nama Indeks Halaman
No. Indeks
Index Description Page
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Responsibility for Sustainable Product/Service Development
Inovasi dan Pengembangan Produk/Jasa Keuangan berkelanjutan 543
F.26
Sustainable Financial Product/Service Innovation and Development
Produk/Jasa yang Sudah Dievaluasi Keamanannya Bagi Pelanggan 544
F.27
Products/Services Safety that Have Been Evaluated for Customers
Dampak Produk/Jasa 545
F.28
Impacts of Product/Service
Jumlah Produk yang Ditarik Kembali 548
F.29
Number of Recalled Products
Survei Kepuasan Pelanggan terhadap Produk dan/atau Jasa Keuangan Berkelanjutan 548
F.30
Customer Satisfaction Survey of Sustainable Financial Products and/or Services
Lain-lain
Others
Verifikasi Tertulis dari Pihak Independen (jika Ada) 549
G.1
Written Verification by the Independent Party, if any
Lembar Umpan Balik 550
G.2
Feedback Sheet
Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya 552
G.3
Responses to the Preceding Year’s Report Feedback
Daftar Pengungkapan Sesuai POJK 51/2017 tentang Penerapan Keuangan Berkelanjutan bagi 553
Lembaga Jasa Keuangan, Emiten dan Perusahaan Publik
G.4
List of Disclosures in Accordance with POJK 51/2017 regarding Sustainable Finance
Implementation for Financial Services Institutions, Issuers and Public Companies
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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Laporan Tahunan & Laporan Keberlanjutan ● 2025 PT ALLO BANK INDONESIA TBK
Page 561
Laporan
07
Keuangan
Financial
Statements
PT ALLO BANK INDONESIA TBK 2025 ● Annual Report & Sustainability Report
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Page 563
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK Laporan Keuangan Financial Statements Untuk Tahun-Tahun yang Berakhir For the Years Ended Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024 Draft Paraf:
Page 564
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
Daftar Isi Halaman/ Table of Contents
Page
Surat Pernyataan Direksi Directors’ Statement Letter
Laporan Auditor Independen Independent Auditors’ Report
Laporan Keuangan Financial Statements
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
Laporan Posisi Keuangan 1 Statements of Financial Position
Laporan Laba Rugi dan Statements of Profit or Loss and
3
Penghasilan Komprehensif Lain Other Comprehensive Income
Laporan Perubahan Ekuitas 5 Statements of Changes in Equity
Laporan Arus Kas 6 Statements of Cash Flows
Catatan Atas Laporan Keuangan 8 Notes to the Financial Statements
Final Draft Paraf:
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Page 573
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024
ASET ASSETS
Kas 4 2,571,705,700 1,955,245,700 Cash
Giro pada Bank Indonesia 5 471,749,063,588 234,891,975,965 Current accounts with Bank Indonesia
Giro pada bank lain 6 Current accounts with other banks
Pihak berelasi 37 37,855,809,750 46,729,528,498 Related parties
Pihak ketiga 125,513,749,630 9,156,518,033 Third parties
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (163,369,560) (55,886,046) impairment loss
163,206,189,820 55,830,160,485
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 7,41 450,000,000,000 2,649,927,104,595 and other banks
Efek-efek 8 7,539,264,196,170 2,847,269,591,360 Marketable securities
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 9 288,948,983,326 288,657,110,000 resell agreement
Kredit yang diberikan 10 Loans
Pihak berelasi 37 499,369,762,656 591,443,894,975 Related parties
Pihak ketiga 8,641,361,198,368 6,886,590,637,139 Third parties
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (157,727,941,742) (104,483,589,241) impairment loss
8,983,003,019,282 7,373,550,942,873
Pendapatan bunga yang
masih akan diterima 11 Interest receivables
Pihak berelasi 37 976,749,471 3,747,855,319 Related parties
Pihak ketiga 163,286,692,268 49,600,021,663 Third parties
164,263,441,739 53,347,876,982
Biaya dibayar di muka 12 54,790,077,149 28,196,746,549 Prepaid expenses
Aset tetap dan aset hak guna 13 394,988,425,012 385,222,301,917 Fixed assets and right-of-use assets
Dikurangi: Akumulasi penyusutan (173,919,908,936) (112,683,215,896) Less: Accumulated depreciation
221,068,516,076 272,539,086,021
Aset takberwujud 14 98,978,248,701 98,978,248,701 Intangible assets
Dikurangi: Akumulasi amortisasi (64,011,181,171) (47,096,471,040) Less: Accumulated amortization
34,967,067,530 51,881,777,661
Aset pajak tangguhan - neto 20c 2,791,712,548 768,941,608 Deferred tax assets - net
Aset lain-lain 15 93,449,504,754 125,197,211,698 Other assets
JUMLAH ASET 18,470,073,477,682 13,984,013,771,497 TOTAL ASSETS
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
1
Page 574
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN POSISI KEUANGAN (Lanjutan) STATEMENTS OF FINANCIAL POSITION (Continued)
31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Liabilitas segera 16 237,400,187,955 199,060,602,051 Obligations due immediately
Simpanan nasabah 18 Deposits from customers
Pihak berelasi 37 721,047,062,933 215,201,937,903 Related parties
Pihak ketiga 8,797,942,047,194 5,879,916,099,130 Third parties
9,518,989,110,127 6,095,118,037,033
Simpanan dari bank lain 19 Deposits from other banks
Pihak berelasi 37 9,639,737 11,172,132 Related parties
Pihak ketiga 300,037,247,081 5,213,293,307 Third parties
300,046,886,818 5,224,465,439
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 17 754,055,951,480 286,521,752,188 repurchased agreement
Utang pajak 20a 41,039,097,635 46,414,775,475 Taxes payables
Bunga yang masih harus
dibayar 21 39,875,423,504 15,674,141,519 Accrued interests
Liabilitas imbalan pasca-kerja 22 31,466,254,042 21,103,148,891 Post-employment benefits liabilities
Liabilitas lain-lain 23 41,156,099,407 49,160,355,646 Other liabilities
JUMLAH LIABILITAS 10,964,029,010,968 6,718,277,278,242 TOTAL LIABILITIES
EKUITAS EQUITY
Modal saham Share capital
Modal dasar - 40.000.000.000 Authorized - 40,000,000,000
saham dengan nilai nominal shares with par value
Rp100 per saham Rp100 per share
Modal ditempatkan dan disetor Issued and fully paid-up capital
penuh 21.730.256.442 saham pada 21,730,256,442 shares as of
tanggal 31 Desember 2025 dan 2024 24 2,173,025,644,200 2,173,025,644,200 December 31, 2025 and 2024
Tambahan modal disetor 36 3,868,733,223,522 3,868,733,223,522 Additional paid-in capital
Modal saham diperoleh kembali 24 (121,441,674,905) -- Treasury stock
Pengukuran kembali atas program Remeasurement of defined
imbalan pasti - neto 22 (7,118,521,944) (3,701,030,148) benefits plan - net
Keuntungan/(Kerugian) yang belum Unrealized gain/(loss) on change
direalisasi dari efek pada nilai in fair value of securities
wajar melalui penghasilan at fair value through other
komprehensif lain - neto 8h 13,893,340,418 (10,395,190,853) comprehensive income - net
Saldo laba Retained earnings
Ditentukan penggunaannya 2,062,948,518 2,060,163,690 Appropriated
Belum ditentukan penggunaannya 1,576,889,506,905 1,236,013,682,844 Unappropriated
JUMLAH EKUITAS 7,506,044,466,714 7,265,736,493,255 TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 18,470,073,477,682 13,984,013,771,497 TOTAL LIABILITIES AND EQUITY
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
2
Page 575
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENTS OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024
PENDAPATAN DAN OPERATING INCOME AND
BEBAN OPERASIONAL EXPENSE
Pendapatan bunga 26,37 1,864,084,824,767 1,486,931,004,055 Interest income
Beban bunga 27,37 (423,267,006,445) (369,429,388,121) Interest expenses
PENDAPATAN BUNGA - NETO 1,440,817,818,322 1,117,501,615,934 NET INTEREST INCOME
PENDAPATAN OPERASIONAL OTHER OPERATING
LAINNYA INCOME
Provisi dan komisi 28 59,494,533,923 19,461,707,224 Fees and commissions
Pendapatan administrasi Administration and penalties
dan denda 29 350,588,012,195 188,710,785,250 income
Keuntungan penjualan Gain on sales of
efek-efek 30 103,583,282,087 69,095,190,316 marketable securities
Kerugian transaksi mata uang Loss on foreign exchange
asing - neto (47,693,199) -- transaction - net
Lain-lain - neto 33 28,954,652,724 52,118,635,854 Others - net
Jumlah pendapatan operasional
lainnya 542,572,787,730 329,386,318,644 Total other operating income
Penyisihan cadangan kerugian Provision of allowance for impairment
penurunan nilai aset keuangan losses on financial assets
dan aset non-keuangan - neto 31 (437,377,160,105) (114,040,981,917) and non-financial assets - net
BEBAN OPERASIONAL OTHER OPERATING
LAINNYA EXPENSES
Beban umum dan administrasi 32a,37 (605,142,157,030) (562,001,126,941) General and administrative expenses
Beban tenaga kerja 32b,37 (202,976,873,824) (172,022,912,061) Personnel expenses
Jumlah beban operasional Total other operating
lainnya (808,119,030,854) (734,024,039,002) expenses
PENDAPATAN INCOME FROM
OPERASIONAL - NETO 737,894,415,093 598,822,913,659 OPERATIONS - NET
PENDAPATAN (BEBAN) NON OPERATING
NON OPERASIONAL - NETO 34 (875,999,262) 126,494,441 INCOME (EXPENSE) - NET
LABA SEBELUM BEBAN PAJAK 737,018,415,831 598,949,408,100 INCOME BEFORE TAX EXPENSE
Beban Pajak Penghasilan 20b Income Tax Expense
Kini (167,759,570,090) (136,765,889,127) Current
Tangguhan 5,002,717,334 4,922,220,041 Deferred
JUMLAH BEBAN PAJAK (162,756,852,756) (131,843,669,086) TOTAL TAX EXPENSES
LABA BERSIH 574,261,563,075 467,105,739,014 NET INCOME
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
3
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENTS OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN (Lanjutan) OTHER COMPREHENSIVE INCOME (Continued)
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024
PENGHASILAN OTHER COMPREHENSIVE
KOMPREHENSIF LAIN INCOME
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 22 (4,381,399,739) 82,938,570 defined benefit’s plan
Pajak penghasilan terkait 20c 963,907,943 (18,246,485) Related income tax
Pos-pos yang akan direklasifikasi Items that will be reclasified
ke laba rugi: subsequently to profit or loss:
Keuntungan yang belum
direalisasi atas perubahan Unrealized gain on change
nilai wajar efek-efek of debt instrument at
yang diukur pada nilai in fair value through
wajar melalui penghasilan other comprehensive
komprehensif lain 8h 28,232,385,608 (107,978,043,148) income
Pajak penghasilan terkait 20c (3,943,854,337) 21,468,227,506 Related income tax
JUMLAH PENGHASILAN/(KERUGIAN) TOTAL OTHER COMPREHENSIVE
KOMPREHENSIF LAIN INCOME/(LOSS)
TAHUN BERJALAN FOR THE YEAR
SETELAH PAJAK 20,871,039,475 (86,445,123,557) NET OF TAX
JUMLAH PENGHASILAN
KOMPREHENSIF TOTAL COMPREHENSIVE
TAHUN BERJALAN 595,132,602,550 380,660,615,457 INCOME FOR THE YEAR
LABA PER SAHAM BASIC EARNINGS
DASAR 35 26.46 21.50 PER SHARE
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN PERUBAHAN EKUITAS STATEMENTS OF CHANGES IN EQUITY
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Keuntungan
yang belum
direalisasi atas
perubahan nilai
wajar melalui
penghasilan
komprehensif lain - neto/ Pengukuran
Modal Unrealized gain kembali atas
ditempatkan Tambahan on change in program
dan disetor modal fair value imbalan pasti - neto/
penuh/ disetor/ through other Remeasurement Modal saham Ditentukan Belum ditentukan
Catatan/ Issued and Additional comprehensive of defined diperoleh kembali/ penggunaannya/ penggunaannya/ Total ekuitas/
Notes paid-up capital paid-in capital income - net benefits plan - net Treasury stock Appropriated Unappropriated Total equity
SALDO PER 31 DESEMBER 2023 2,173,025,644,200 3,868,733,223,522 76,114,624,789 (3,765,722,233) -- 2,054,029,386 768,914,078,134 6,885,075,877,798 BALANCE AS OF DECEMBER 31, 2023
Laba bersih -- -- -- -- -- -- 467,105,739,014 467,105,739,014 Net income
Pembentukan cadangan Allocation for general
umum 24 -- -- -- -- -- 6,134,304 (6,134,304) -- reserve
Penghasilan komprehensif Other comprehensive
lain - neto 8,22 -- -- (86,509,815,642) 64,692,085 -- -- -- (86,445,123,557) income - net
SALDO PER 31 DESEMBER 2024 2,173,025,644,200 3,868,733,223,522 (10,395,190,853) (3,701,030,148) -- 2,060,163,690 1,236,013,682,844 7,265,736,493,255 BALANCE AS OF DECEMBER 31, 2024
Laba bersih -- -- -- -- -- -- 574,261,563,075 574,261,563,075 Net income
Pembentukan cadangan Allocation for general
umum -- -- -- -- -- 2,784,828 (2,784,828) -- reserve
Pembelian saham treasury 24 -- -- -- -- (121,441,674,905) -- -- (121,441,674,905) Treasury stock
Pembayaran dividen dari laba Dividend payment from
bersih tahun 2024 -- -- -- -- -- -- (233,382,954,186) (233,382,954,186) 2024 net income
Penghasilan komprehensif Other comprehensive
lain - neto 8,22 -- -- 24,288,531,271 (3,417,491,796) -- -- -- 20,871,039,475 income - net
SALDO PER 31 DESEMBER 2025 2,173,025,644,200 3,868,733,223,522 13,893,340,418 (7,118,521,944) (121,441,674,905) 2,062,948,518 1,576,889,506,905 7,506,044,466,714 BALANCE AS OF DECEMBER 31, 2025
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
5
Page 578
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan bunga 1,753,169,260,010 1,515,562,190,558 Interest received
Penerimaan operasional lainnya 410,082,546,118 136,368,516,420 Other operating received
Penerimaan kembali atas kredit Receipt from written-off
yang dihapusbukukan dan loans and foreclosed
agunan yang diambil alih 33 24,017,266,949 14,951,864,588 collateral
Pembayaran bunga (399,065,724,460) (368,804,411,172) Payments of interest
Pembayaran beban tenaga kerja (196,995,168,412) (165,487,193,267) Payments of personnel expenses
Pembayaran beban umum dan Payments of general and
administrasi (492,903,714,321) (497,477,136,290) administrative expenses
Pembayaran pajak penghasilan (168,828,217,439) (115,242,093,340) Payments of income tax
Pembayaran pajak atas SP2DK (1,133,233,128) -- Payments of tax of SP2DK
Penerimaan (pembayaran) Receipt (payments)
beban non-operasional - neto 4,013,693,314 (6,147,784,212) non-operating expenses - net
Arus kas sebelum perubahan Cash flows before changes
aset dan liabilitas operasi 932,356,708,631 513,723,953,285 in operating assets and liabilities
Penurunan (kenaikan) Decrease (increase) in
aset operasi: operating assets:
Kredit yang diberikan (2,038,777,146,360) (92,326,664,831) Loans
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali (291,873,326) (288,657,110,000) under resale agreements
Biaya dibayar di muka (26,593,330,600) (2,771,804,220) Prepaid expenses
Aset lain-lain (327,222,740) (102,721,489,344) Other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi: operating liabilities:
Simpanan Deposits
Deposito berjangka 3,023,632,734,379 886,144,576,949 Time deposits
Giro 450,074,774,120 42,369,990,154 Current accounts
Tabungan 244,985,985,974 228,161,806,661 Saving deposits
Efek-efek yang dijual dengan Securities sold
janji dibeli kembali 467,534,199,292 (324,766,411,145) under repurchase agreements
Utang pajak (3,173,797,363) 4,802,239,727 Taxes payables
Liabilitas lain-lain 36,878,826,727 7,767,968,164 Other liabilities
Kas bersih diperoleh dari Net cash provided from
aktivitas operasi 3,086,299,858,734 871,727,055,400 operating activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS INVESTASI INVESTING ACTIVITIES
Pembelian efek-efek yang Placement from marketable securities
diukur pada nilai wajar melalui measured at fair value through other
penghasilan komprehensif lain (9,909,573,418,478) (2,436,424,264,273) comprehensive income
Penjualan efek-efek yang Proceeds from marketable securities
diukur pada nilai wajar melalui measured at fair value through
penghasilan komprehensif lain 5,349,234,648,691 2,776,552,050,000 other comprehensive income
Pembelian aset tetap 13 (15,416,979,753) (99,925,946,805) Acquisition of fixed assets
Pembelian aset takberwujud 14 -- (8,660,134,144) Acquisition of intangible assets
Kas bersih (digunakan untuk) Net cash (used in)
diperoleh dari aktivitas investasi (4,575,755,749,540) 231,541,704,778 provided from investing activities
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
6
Page 579
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN ARUS KAS (Lanjutan) STATEMENTS OF CASH FLOWS (Continued)
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Pembayaran dividen (233,382,954,186) -- Dividend payment
Akuisisi saham tresuri 24 (118,547,848,414) -- Treasury stock acquisition
Pembayaran liabilitas sewa 13 (13,583,350,717) (13,983,764,315) Payment of lease liabilities
Kas bersih digunakan untuk Net cash used in
aktivitas pendanaan (365,514,153,317) (13,983,764,315) financing activities
(PENURUNAN) KENAIKAN BERSIH DECREASE (INCREASE) IN
KAS DAN SETARA KAS (1,854,970,044,123) 1,089,284,995,863 CASH AND CASH EQUIVALENTS
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS AT
AWAL TAHUN 2,942,660,372,791 1,853,375,376,928 BEGINNING OF THE YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS AT
AKHIR TAHUN 1,087,690,328,668 2,942,660,372,791 END OF THE YEAR
Cash and cash equivalents
Kas dan setara kas terdiri dari: consist of:
Kas 4 2,571,705,700 1,955,245,700 Cash
Current accounts with
Giro pada Bank Indonesia 5 471,749,063,588 234,891,975,965 Bank Indonesia
Current accounts with
Giro pada bank lain 6 163,369,559,380 55,886,046,531 other banks
Penempatan pada Bank Placements with Bank
Indonesia dan Indonesia and
bank lain 7 450,000,000,000 2,649,927,104,595 other banks
Total cash and cash
Jumlah kas dan setara kas 1,087,690,328,668 2,942,660,372,791 equivalents
Lihat Catatan 45 atas laporan keuangan untuk pengungkapan See Note 45 to the financial statements for the supplemental
informasi tambahan arus kas. disclosures of cash flows information.
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
7
Page 580
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
1. Umum 1. General
1.a. Pendirian dan Informasi Umum Bank 1.a. Establishment and General Information of
the Bank
PT Allo Bank Indonesia Tbk (“Bank”) didirikan PT Allo Bank Indonesia Tbk (“Bank”) was
di negara Republik Indonesia dengan nama established in Republic of Indonesia under the
PT Bank Harda Internasional berdasarkan business name of PT Bank Harda
Akta Notaris No. 242 tanggal 21 Oktober 1992 Internasional based on Notarial Deed No. 242
dari Ny. Poerbaningsih Adi Warsito, S.H., dated October 21, 1992 from Mrs.
notaris, di Jakarta. Akta pendirian tersebut Poerbaningsih Adi Warsito, S.H., notary, in
telah mendapat pengesahan dari Kementerian Jakarta. The Deed of establishment was
Kehakiman Republik Indonesia dengan Surat approved by the Ministry of Justice of the
Keputusan No. C2-895.HT.01.01.TH.93 Republic of Indonesia in its Decree No. C2-
tanggal 10 Februari 1993 serta diumumkan 895.HT.01.01.TH.93 dated February 10, 1993
dalam Lembaran Berita Negara No. 25 tanggal and published in State Gazette No. 25 dated
27 Maret 1993, Tambahan No. 1316. March 27, 1993, Supplement No. 1316.
Sesuai dengan Pasal 3 Anggaran Dasar Bank, In accordance with Article 3 of the Bank’s
tujuan Bank adalah melakukan usaha Articles of Association, the purpose of the
perbankan dengan melaksanakan kegiatan Bank is to conduct banking business by
usaha antara lain menghimpun dana dari conducting business activities such as
masyarakat, memberikan kredit, menerbitkan collecting funds from public, providing loans,
surat pengakuan utang, melakukan kegiatan issuing letters of credit, conducting custody
penitipan untuk kepentingan pihak lain activities for the benefit of other parties based
berdasarkan suatu kontrak dan membeli on a contract, and buying through the auction
melalui pelelangan agunan maupun sebagian of collateral as well as part in the event that the
dalam hal debitur tidak memenuhi liabilitasnya debtor does not fulfill its obligations to the
kepada Bank. Bank.
Bank memperoleh izin usaha sebagai The Bank obtained a license as a Commercial
Bank Umum dari Kementerian Keuangan Bank from the Ministry of Finance of the
Republik Indonesia dengan keputusan Republic of Indonesia with the decision
No. 455/KMK.017/1994 tanggal 8 September No. 455/KMK.017/1994 dated September 8,
1994. 1994.
Berdasarkan Akta Notaris No. 1 tanggal Based on Notarial Deed No. 1 dated
2 Juni 2021 tentang perubahan anggaran June 2, 2021 regarding the Decision of the
dasar PT Bank Harda Internasional Tbk yang Meeting Resolution on Amendment of Article of
dibuat di hadapan notaris Dharma Akhyuzi, Association of PT Bank Harda Internasional
S.H., para pemegang saham menyetujui Tbk, which was made before Dharma Akhyuzi,
perubahan nama Bank dari sebelumnya SH., the Bank’s shareholders agreed to change
bernama PT Bank Harda Internasional Tbk the Bank’s name from PT Bank Harda
menjadi PT Allo Bank Indonesia Tbk dan juga Internasional Tbk to become PT Allo Bank
menyetujui perubahan anggaran dasar Bank Indonesia Tbk and also approved the
untuk disesuaikan dengan peraturan Otoritas amendment of Bank’s Article Association to be
Jasa Keuangan No. KEP-48/PB.1/2021 adjusted with the Financial Services Authority
tentang Rencana dan Penyelenggaraan Rapat Regulation No. KEP-48/PB.1/2021 regarding
Umum Pemegang Saham Perusahaan Plan and Implementation General Meeting of
Terbuka. Perubahan ini telah disetujui oleh Shareholders of Public Company. These
Menteri Hukum dan Hak Asasi Manusia changes have been approved by the Minister of
Republik Indonesia melalui surat keputusan Laws and Human Rights of the Republic of
No. AHU-0031692.AH.01.02. Tahun 2021 Indonesia through letter No. AHU-
tanggal 2 Juni 2021. 0031692.AH.01.02. Tahun 2021 dated
June 2, 2021.
Anggaran Dasar Bank telah mengalami The Bank’s Articles of Association have been
beberapa kali perubahan. Perubahan terakhir amended several times. The latest amendment
berdasarkan Akta Pernyataan Keputusan is based on the Deed of the Meeting Decision
8
Page 581
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Rapat No. 5 tanggal 15 Oktober 2021 yang Statement No. 5 dated October 15, 2021 of
dibuat dihadapan notaris Dharma Akhyuzi, Dharma Akhyuzi, S.H. notary in Jakarta,
S.H. notaris di Jakarta, menyetujui approved the increase in the Bank’s Authorized
peningkatan Modal Dasar Bank dari semula Capital from 16,000,000,000 shares with a
sebanyak 16.000.000.000 lembar saham nominal value of Rp1,600,000,000,000 to
dengan nilai nominal sebesar 40,000,000,000 shares with a nominal value of
Rp1.600.000.000.000 menjadi sebanyak Rp4,000,000,000,000. The amendment has
40.000.000.000 lembar saham dengan nilai been received and recorded by the Ministry of
nominal sebesar Rp4.000.000.000.000. Law and Human Rights of the Republic
Perubahan tersebut telah diterima dan dicatat Indonesia in its Decision Letter
oleh Kementerian Hukum dan Hak Asasi No. AHU-0057224.AH.01.02. Tahun 2021
Manusia Republik Indonesia masing-masing dated October 15, 2021.
melalui Surat Keputusan No. AHU-
0057224.AH.01.02. Tahun 2021 tanggal
15 Oktober 2021.
Berdasarkan Akta Perubahan Modal Disetor Based on the Notarial Deed of Amendment to
No. 7 tanggal 27 Januari 2022 yang dibuat Paid-in Capital No. 7 dated January 27, 2022 of
dihadapan notaris Dharma Akhyuzi, S.H. Dharma Akhyuzi, S.H. notary in Jakarta, the
notaris di Jakarta, menyetujui modal disetor Bank’s paid-in and issued capital is
dan ditempatkan Bank menjadi sebanyak 21,730,256,442 shares with a nominal value of
21.730.256.442 lembar saham dengan nilai Rp2,173,025,644,200. The amendment has
nominal Rp2.173.025.644.200. Perubahan been received and recorded by the Ministry of
tersebut telah diterima dan dicatat oleh Law and Human Rights of the Republic
Kementerian Hukum dan Hak Asasi Manusia Indonesia in its Decision Letter
Republik Indonesia masing-masing melalui No.AHU-AH.01.03-0073375 dated
Surat Keputusan No. AHU-AH.01.03-0073375 February 22, 2022.
tanggal 22 Februari 2022.
Pada tanggal 10 September 2021, Bank On September 10, 2021, the Bank received a
menerima surat persetujuan Penyelenggaraan letter of approval for Implementation of Digital
Layanan Produk Digital oleh Bank Umum dari Product Services by Commercial Banks from
Otoritas Jasa Keuangan No. S-159/PB.333/ the Financial Services Authority by letter
2021. No. S-159/PB.333/2021.
Pada tanggal 26 April 2022, Bank menerima On April 26, 2022, the Bank received a letter of
surat persetujuan dari Otoritas Jasa Keuangan approval from the Financial Services Authority
terkait rencana penutupan Kantor Cabang regarding the plan to close the Bank’s
Bank di Surabaya, Bandung, Solo, Pontianak, Branches Offices in Surabaya, Bandung, Solo,
Tangerang dan Pekan Baru dengan Surat Pontianak, Tangerang and Pekan Baru by
No. S-118/PB.12/2022 tanggal 2 Juni 2022. Letter No. S-118/PB.12/2022 dated June 2,
2022.
Pada tanggal 10 Mei 2022, Bank menerima On May 10, 2022, the Bank received a letter of
surat persetujuan dari Otoritas Jasa Keuangan approval from the Financial Services Authority
terkait rencana penutupan 6 Kantor Cabang regarding the plan to close 6 Sub-Branch
Pembantu dan 2 Kantor Kas di Jakarta dengan Offices and 2 Cash Offices in Jakarta by Letter
Surat No. S-58/PB.333/2022 tanggal No. S-58/PB.333/2022 dated June 1, 2022.
1 Juni 2022.
Kantor Pusat Bank berlokasi di Menara Bank Bank's Head Office is located at Menara Bank
Mega Lantai 5-6 Jalan Kapten P. Tendean Mega 5-6th floor Jalan Kapten P. Tendean
No. 12-14A Jakarta Selatan 12790. Bank saat No. 12-14A Jakarta Selatan 12790. The Bank
ini mempunyai 2 Kantor Cabang di Jakarta. currently has 2 Branch Offices in Jakarta.
PT Mega Corpora adalah entitas induk dari PT Mega Corpora is the parent entity of the
Bank. Entitas induk terakhir Bank adalah Bank. The ultimate holding entity of the Bank is
PT CT Corpora. PT CT Corpora.
9
Page 582
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
1.b. Penawaran Umum Saham Bank 1.b. Public Offering of the Bank’s Shares
Pada tanggal 31 Juli 2015, Bank memperoleh On July 31, 2015, the Bank obtained the
Surat Pernyataan Efektif dari Dewan Effective Statement Letter from Board of
Komisioner Otoritas Jasa Keuangan (OJK) Commissioners of Financial Services Authority
dengan suratnya No. S-346/D.04/2015 untuk (OJK) through its Letter No. S-346/D.04/2015
melakukan penawaran umum saham perdana for the Bank’s initial public offering of
sejumlah 800.000.000 lembar saham biasa 800,000,000 common shares to the public with
atas nama dan dengan nilai nominal Rp100 a par value of Rp100 per share at an offering
setiap lembar saham yang ditawarkan kepada price of Rp125 per share. Included in the
masyarakat dengan harga penawaran Rp125 number of initial public shares offered to the
setiap saham. Termasuk didalam jumlah public are shares that have been allocated in
saham umum perdana kepada masyarakat connection with Employee Stock Allocation
adalah saham yang telah dialokasikan Program (ESA) of 1,270,000 shares based on
sehubungan dengan Program Alokasi Saham the Director Decision Letter No. 024/SK-
Karyawan sejumlah 1.270.000 lembar saham DIR/V/2015.
berdasarkan Surat Keputusan Direksi
No. 024/SK-DIR/V/2015.
Pada tanggal 12 Agustus 2015, seluruh saham These shares were listed on the Indonesian
tersebut telah dicatat di Bursa Efek Indonesia. Stock Exchange on August 12, 2015.
Pada tanggal 14 Juli 2017, Bank memperoleh On July 14, 2017, the Bank obtained the
Surat Pernyataan Efektif dari Dewan Effective Statement Letter from Board of
Komisioner Otoritas Jasa Keuangan (OJK) Commissioners of Financial Services Authority
dengan suratnya No. S-03820/BEI.PP3/07- (OJK) through its Letter No. S-03820/
2017 untuk melakukan peningkatan modal BEI.PP3/07-2017 for non-right issue of
tanpa melalui mekanisme Hak Memesan Efek 365,000,000 common shares with a par value
Terlebih Dahulu sejumlah 365.000.000 lembar of Rp100 per share at an offering price of
saham biasa atas nama dan dengan nilai Rp100 per share.
nominal Rp100 setiap lembar saham yang
ditawarkan dengan harga penawaran Rp100
setiap saham.
Pada tanggal 22 Juni 2018, Bank memperoleh On June 22, 2018, the Bank obtained the
Surat Pernyataan Efektif dari Dewan Effective Statement Letter from Board of
Komisioner Otoritas Jasa Keuangan (OJK) Commissioners of Financial Services Authority
dengan suratnya No. S-03564/BEI.PP3/06- (OJK) through its Letter No. S-03564/
2018 untuk melakukan Hak Memesan Efek BEI.PP3/06-2018 for the Bank’s right issue
Terlebih Dahulu sejumlah 169.431.795 lembar offering of 169,431,795 common shares to the
saham biasa atas nama dan dengan nilai public with a par value of Rp100 per share at
nominal Rp100 setiap lembar saham yang an offering price of Rp200 per share.
ditawarkan kepada masyarakat dengan harga
penawaran Rp200 setiap saham.
Pada tanggal 30 Juni 2021, Bank memperoleh On June 30, 2021, the Bank obtained the
Surat Pernyataan Efektif dari Dewan Effective Statement Letter from Board of
Komisioner Otoritas Jasa Keuangan (OJK) Commissioners of Financial Services Authority
dengan suratnya No. S-104/D.04/2021 untuk (OJK) through its Letter No. S-104/D.04/2021
melakukan Hak Memesan Efek Terlebih for the Bank’s right issue offering of
Dahulu sejumlah 7.498.501.776 lembar saham 7,498,501,776 common shares to the public
biasa atas nama dan dengan nilai nominal with a par value of Rp100 per share at an
Rp100 setiap lembar saham yang ditawarkan offering price of Rp100 per share.
kepada masyarakat dengan harga penawaran
Rp100 setiap saham.
10
Page 583
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pada tanggal 30 Desember 2021, Bank On December 30, 2021, the Bank obtained the
memperoleh Surat Pernyataan Efektif dari Effective Statement Letter from Board of
Dewan Komisioner Otoritas Jasa Keuangan Commissioners of Financial Services Authority
(OJK) dengan suratnya No. S-245/D.04/2021 (OJK) through its Letter No. S-245/D.04/2021
untuk melakukan Hak Memesan Efek Terlebih for the Bank’s right issue offering of
Dahulu sejumlah 10.047.322.871 lembar 10,047,322,871 common shares to the public
saham biasa atas nama dan dengan nilai with a par value of Rp100 per share at an
nominal Rp100 setiap lembar saham yang offering price of Rp478 per share.
ditawarkan kepada masyarakat dengan harga
penawaran Rp478 setiap saham.
1.c. Pembelian Kembali Saham 1.c. Repurchase of Shares
Hingga tanggal 31 Desember 2025 Bank telah As of December 31, 2025, the Bank has
melakukan pembelian kembali saham sebanyak repurchased 90,390,800 shares with a total
90.390.800 lembar saham dengan harga acquisition cost of Rp121,441,674,905.
perolehan sebesar Rp121.441.674.905.
Bank hingga tahun yang berakhir pada tanggal As of December 31, 2025, the Bank has not
31 Desember 2025 belum melepaskan kembali reissued the treasury shares; therefore, no
saham treasuri sehingga tidak terdapat selisih difference between the acquisition cost and the
harga perolehan dan harga pelepasan saham reissuance price of treasury shares has arisen
treasuri (Catatan 24). (Note 24).
1.d. Dewan Komisaris, Direksi, Komite Audit, 1.d. Board of Commissioners, Directors, Audit
Komite Pemantau Risiko, Komite Committee, Risk Monitoring Committee,
Remunerasi dan Nominasi, Divisi Audit Remuneration and Nomination Committee,
Internal dan Karyawan Internal Audit Division and Employees
Pada tanggal 31 Desember 2025 dan 2024, As at December 31, 2025 and 2024, the Board
anggota Dewan Komisaris, Direksi, Komite of Commissioners, Directors, Audit Committee,
Audit, Komite Pemantau Risiko, Komite Risk Monitoring Committee, Remuneration and
Remunerasi dan Nominasi adalah sebagai Nomination Committee are as follows:
berikut:
2025
` 2024
`
Dewan Komisaris: Board of Commissioners:
Komisaris Utama Independen Aviliani Aviliani Independent President Commissioner
Komisaris Independen Rosmaya Rosmaya Independent Commissioner
Komisaris Ali Gunawan Ali Gunawan Commissioner
Dewan Direksi: Board of Directors:
Direktur Utama Ari Yanuanto Asah *) Indra Utoyo**) President Director
Direktur -- Ari Yanuanto Asah Director
Direktur -- Arief Tendeas***) Director
Direktur Ganda Raharja Rusli Ganda Raharja Rusli Director
Direktur Sajal Bhatnagar Sajal Bhatnagar Director
Komite Audit: Audit Committee:
Ketua Aviliani Aviliani Head
Anggota Siswandi Pujo Sasongko Siswandi Pujo Sasongko Member
Anggota Lista Ima Lista Ima Member
Komite Pemantau Risiko: Risk Monitoring Committee:
Ketua Rosmaya Rosmaya Head
Anggota Siswandi Pujo Sasongko Siswandi Pujo Sasongko Member
Anggota Lista Ima Lista Ima Member
Komite Remunerasi Remuneration and Nomination
dan Nominasi: Committee:
Ketua Aviliani Aviliani Head
Anggota Ali Gunawan Ali Gunawan Member
Anggota Netty Delima Simanjuntak Netty Delima Simanjuntak Member
*) Ari Yanuanto Asah diangkat sebagi Plt, Direktur *) Ari Yanuanto Asah was appointed as Acting,
Utama utama pada tanggal 11 Juli 2025 berdsarkan President Director on July 11, 2025, based on Decree
Surat Keputusan Nomor SK:041/DIRAB/25. No. SK:041/DIRAB/25.
11
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
**) Indra Utoyo telah mengundurkan diri sebagai Direktur **) Indra Utoyo has resigned as President Director, which
Utama dimana hal tersebut telah disetujui dalam was approved at the Extraordinary General Meeting
Rapat Umum Pemegang Saham Luar Biasa yang of Shareholders held on October 9, 2025.
diselenggarakan pada 9 Oktober 2025.
***) Arief Tendeas telah mengundurkan diri sebagai ***) Arief Tendeas has resigned as Director, which was
Direktur dimana hal tersebut telah disetujui dalam approved at the Annual General Meeting of
Rapat Umum Pemegang Saham Tahunan yang Shareholders held on April 10, 2025.
diselenggarakan pada 10 April 2025.
Kepala Divisi Audit Internal Bank pada tanggal The Bank’s Internal Audit Division Head as of
31 Desember 2025 dan 2024 adalah Plt. December 31, 2025 and 2024 is acting
Willyardo Halim Partahi Napitupulu dan Dani Willyardo Halim Partahi Napitupulu and Dani
Bayu Angkat. Bayu Angkat.
Sekretaris Perusahaan Bank pada The Bank’s Corporate Secretary as at
31 Desember 2025 dan 2024 adalah Stacey December 31, 2025 and 2024 is Stacey Aryadi
Aryadi Suryoputro. Suryoputro.
Personil manajemen kunci mencakup anggota Key management personnel includes members
Dewan Komisaris dan Direksi, serta pejabat of the Board of Commissioners and Board of
eksekutif yaitu pejabat yang bertanggung Directors, and executive officers who have
jawab langsung kepada Direksi atau direct responsibility to the Board of Directors or
mempunyai pengaruh yang signifikan terhadap have significant influences over policies and/or
kebijakan dan/atau aktivitas operasional Bank. operational activities of the Bank.
Pada tanggal 31 Desember 2025 dan 2024 As at December 31, 2025 and 2024, the Bank
Bank memiliki masing-masing 548 dan 481 has 548 and 481 employees (unaudited),
karyawan (tidak diaudit). respectively.
2. Ikhtisar Kebijakan Akuntansi Material 2. Summary of Material Accounting Policies
Kebijakan akuntansi utama yang diterapkan The principal accounting policies adopted in
dalam penyusunan laporan keuangan Bank preparing the financial statements of the Bank
adalah seperti dijabarkan di bawah ini: are set out below:
Pernyataan Kepatuhan Statement of Compliance
Laporan keuangan telah disusun dan disajikan The financial statements have been prepared
sesuai dengan Standar Akuntansi Keuangan and presented in accordance with Indonesian
Indonesia (“SAK”), yang mencakup Financial Accounting Standards (“SAK”), which
Pernyataan dan interpretasi yang diterbitkan comprise the Statements and Interpretations
oleh Dewan Standar Akuntansi Keuangan issued by the Financial Accounting Standards
Ikatan Akuntan Indonesia (“DSAK”), serta Board of the Indonesian Institute of
peraturan Pasar Modal yang berlaku antara Accountants (“DSAK”), as well as the
lain Peraturan Otoritas Jasa Keuangan/Badan applicable Capital Market regulations, including
Pengawas Pasar Modal dan Lembaga Financial Services Authority/Capital Market and
Keuangan (OJK/Bapepam-LK) No. VIII.G.7 Financial Institution Supervisory Agency
tentang pedoman penyajian laporan (OJK/Bapepam-LK) Regulation No. VIII.G.7
keuangan, keputusan Ketua Bapepam-LK regarding guidelines for the presentation of
No. KEP-347/BL/2012 tentang penyajian dan financial statements, and the Decree of the
pengungkapan laporan keuangan emiten atau Chairman of Bapepam-LK No. KEP-
perusahaan public, sepanjang tidak 347/BL/2012 concerning the presentation and
bertentangan dengan suatu PSAK atau ISAK. disclosure of financial statements of issuers or
public companies, insofar as they do not
conflict with any PSAK or ISAK.
2.a. Dasar Penyusunan Laporan Keuangan 2.a. Basis for Preparation of Financial
Statements
Laporan keuangan disusun berdasarkan biaya The financial statements have been prepared
perolehan, kecuali untuk aset keuangan yang under the historical cost convention, as
diukur pada nilai wajar melalui penghasilan modified by financial assets at fair value
12
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
komprehensif lain dan seluruh instrumen aset through other comprehensive income and
keuangan yang diukur berdasarkan nilai wajar financial assets and land and buildings
dan aset tanah dan gedung yang diukur pada measured at fair value. The financial
nilai wajar. Laporan keuangan disusun statements have been prepared using the
menggunakan basis akrual, kecuali untuk accrual basis except for the statement of cash
laporan arus kas. flow.
Bank telah menyusun laporan keuangan The Bank has prepared the financial statement
dengan dasar bahwa Bank akan terus on the basis that it will continue to operate as a
mempertahankan kelangsungan usaha. going concern.
Laporan arus kas disusun dengan The statement of cash flows is prepared based
menggunakan metode langsung dengan on the direct method by classifying cash flows
mengelompokkan arus kas dalam aktivitas on the basis of operating, investing, and
operasi, investasi dan pendanaan. Untuk financing activities. For purposes of the
tujuan laporan arus kas, kas dan setara kas statement of cash flows, cash and cash
mencakup giro pada bank lain, giro pada Bank equivalent consist of cash, current accounts
Indonesia, penempatan pada Bank Indonesia with other banks, current accounts with Bank
dan pada bank lain dengan jangka waktu Indonesia, placement with Bank Indonesia and
kurang dari 3 bulan. other banks with a period of less than
3 months.
Pos-pos dalam Penghasilan Komprehensif The items under Other Comprehensive Income
Lainnya disajikan terpisah antara akun-akun (OCI) are presented separately between items
yang akan direklasifikasikan ke laba rugi dan to be reclassified to profit or loss and those
akun-akun yang tidak akan direklasifikasikan items not to be reclassified to profit or loss.
ke laba rugi.
Dalam penyusunan laporan keuangan sesuai The preparation of financial statements in
dengan Standar Akuntansi Keuangan di conformity with Financial Accounting Standards
Indonesia, dibutuhkan estimasi dan asumsi in Indonesia requires the use of estimates and
yang mempengaruhi: assumptions that affect:
• Nilai aset dan liabilitas dilaporkan, dan • • The reported amounts of assets and
pengungkapan atas aset dan liabilitas liabilities and disclosure of contingent
kontinjensi pada tanggal laporan assets and liabilities at the date of the
keuangan, financial statements,
• Jumlah pendapatan dan beban selama • The reported amounts of revenues and
periode pelaporan. expenses during the reporting period.
Walaupun estimasi ini dibuat berdasarkan Although these estimates are based on
pengetahuan terbaik manajemen atas kejadian management’s best knowledge of current
dan tindakan saat ini, hasil yang timbul events and activities, actual results may differ
mungkin berbeda dengan jumlah yang from those estimates.
diestimasi semula.
Estimasi-estimasi dan asumsi-asumsi yang Estimates and underlying assumptions are
digunakan ditelaah secara berkesinambungan. reviewed on an ongoing basis. Revisions to
Revisi atas estimasi akuntansi diakui pada accounting estimates are recognized in the
periode dimana estimasi tersebut direvisi dan period in which the estimate is revised and in
periode yang akan datang yang dipengaruhi any future periods affected.
oleh revisi estimasi tersebut.
Secara khusus, informasi mengenai hal-hal In particular, information about significant areas
penting yang terkait dengan ketidakpastian of estimation uncertainty and critical judgments
estimasi dan pertimbangan-pertimbangan in applying accounting policies that have
penting dalam penerapan kebijakan akuntansi significant effect on the amount recognized in
yang memiliki dampak yang signifikan the financial statements are described in
terhadap jumlah yang diakui dalam laporan Note 3.
keuangan dijelaskan di Catatan 3.
13
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Mata uang penyajian yang digunakan pada The presentation currency used in the financial
laporan keuangan adalah Rupiah, yang statements is Indonesian Rupiah, which is the
merupakan mata uang fungsional Bank. functional currency of the Bank.
Standar Baru dan Amendemen atas New Accounting Standard and Amendment
Standar yang Berlaku Efektif pada Tahun to Standards which have been Effective in
Berjalan the Current Year
Standar baru dan amendemen atas standar New Standard and amendment to standards
yang berlaku efektif untuk periode yang dimulai which effective for periods beginning on or
pada atau setelah 1 Januari 2025, dengan after January 1, 2025, with early adoption is
penerapan dini diperkenankan yaitu: permitted are as follows:
• PSAK 117: Kontrak Asuransi; • PSAK 117: Insurance Contract;
• Amendemen PSAK 117: Kontrak Asuransi • Amendments PSAK 117: Insurance
tentang Penerapan Awal PSAK 117 dan Contract regarding Initial Application of
PSAK 109 – Informasi Komparatif; PSAK 117 and PSAK 109 – Comparative
Information;
• Amendemen PSAK 221: Pengaruh • Amendments PSAK 221: Foreign
Perubahan Kurs Valuta Asing tentang Exchange Rate regarding Lack of
Kekurangan Ketertukaran; Exchangeability;
Beberapa PSAK juga diamendemen yang • Several PSAKs were also amended which
merupakan amendemen konsekuensial karena were consequential amendments due to the
berlakunya PSAK 117: Kontrak Asuransi, yaitu: enactment of PSAK 117: Insurance Contracts,
• PSAK 103: Kombinasi Bisnis as follows:
• PSAK 105: Aset Tidak Lancar yang • PSAK 103: Business Combinations
Dikuasai untuk Dijual dan Operasi yang • PSAK 105: Non-Current Assets Held for
Dihentikan Sale and Discontinued Operations
• PSAK107: Instrumen Keuangan: • PSAK 107: Financial Instruments:
Pengungkapan Disclosures
• PSAK109: Instrumen Keuangan • PSAK 109: Financial Instruments
• PSAK 115: Pendapatan dari Kontrak • PSAK 115: Income from Contracts with
dengan Pelanggan Customers
• PSAK 201: Penyajian Laporan Keuangan • PSAK 201: Presentation of Financial
Statements
• PSAK 207: Laporan Arus Kas • PSAK 207: Statement of Cash Flows
• PSAK 216: Aset Tetap • PSAK 216: Fixed Assets
• PSAK 219: Imbalan Kerja • PSAK 219: Employee Benefits
• PSAK 228: Investasi pada Entitas Asosiasi • PSAK 228: Investment in Associated
dan Ventura Bersama Entities and Joint Ventures
• PSAK 232: Instrumen Keuangan Penyajian • PSAK 232: Financial Instruments
Presentation.
• PSAK 236: Penurunan Nilai Aset • PSAK 236 Impairment of Asset
• PSAK 237: Provisi, Liabilitas Kontijensi • PSAK 237: Provisions, Contingent
dan Aset Kontijensi Liabilities and Contingent Assets
• PSAK 238: Aset Takberwujud • PSAK 238: Intangible Assets
• PSAK 240: Properti Investasi • PSAK 240: Investment Property
Implementasi amendemen standar tersebut The implementation of the above amendment
tidak memiliki dampak yang material terhadap to standards had no material on the amounts
jumlah yang dilaporkan di periode berjalan reported for the current period or prior financial
atau tahun sebelumnya. year.
2.b. Transaksi dengan Pihak Berelasi 2.b. Transactions with Related Parties
Dalam menjalankan usahanya, Bank In the normal course of its business, the Bank
melakukan transaksi dengan pihak-pihak enters into transactions with related parties
berelasi seperti yang didefinisikan dalam which are defined under PSAK 224 regarding
PSAK 224 tentang “Pengungkapan Pihak- “Related Party Disclosures”.
pihak Berelasi”.
14
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pihak berelasi adalah orang atau entitas yang A related party is a person or entity that is
terkait dengan Bank: related to the Bank:
a. Orang atau anggota keluarga terdekat a. A person or a close member of the
mempunyai relasi dengan entitas pelapor person’s family is related to the Bank if that
jika orang tersebut: person:
i. Memiliki pengendalian atau iv. i. Has control or joint control over the
pengendalian bersama atas Bank; Bank;
ii. Memiliki pengaruh signifikan atas ii. Has significant influence over the
Bank; atau Bank; or
iii. Personil manajemen kunci Bank atau iii. Is a member of the key management
entitas induk Bank. personnel of the Bank or of a parent
of the Bank.
b. Suatu entitas berelasi dengan Bank jika b. An entity is related to the Bank if any of the
memenuhi salah satu hal berikut: following conditions applies:
i. Entitas dan entitas pelapor adalah i. The entity and the reporting entity are
anggota dari kelompok usaha yang members of the same group (which
sama (artinya entitas induk, entitas means that each parent, subsidiary,
anak, dan sesama entitas anak saling and fellow subsidiaries are related to
berelasi dengan entitas anak each others);
lainnya);
ii. Satu entitas adalah entitas asosiasi ii. One entity is an associate or joint
atau ventura bersama dari entitas lain venture of the other entity (or an
(atau entitas asosiasi atau associate or joint venture of a
ventura bersama yang merupakan member of a group of which the other
anggota suatu kelompok usaha, entity is a member);
dimana entitas lain tersebut adalah
anggotanya);
iii. Kedua entitas tersebut adalah iii. Both entities are joint ventures of the
ventura bersama dari pihak ketiga same third party;
yang sama;
iv. Satu entitas adalah ventura bersama iv. One entity is a joint venture of a third
dari entitas ketiga dan entitas yang entity and the other entity is an
lain adalah entitas asosiasi dari associate of the third entity;
entitas ketiga;
v. Entitas tersebut adalah suatu v. The entity is a post-employment
program imbalan pascakerja untuk benefit plan for the benefit of
imbalan kerja dari salah satu entitas employees of either the reporting
pelapor atau entitas yang terkait entity, or an entity related to the
dengan entitas pelapor. Jika entitas reporting entity. If the reporting entity
pelapor adalah entitas yang in itself such a plan, the sponsoring
menyelenggarakan program tersebut, employers are also related to the
maka entitas sponsor juga berelasi reporting entity;
dengan entitas pelapor;
vi. Entitas yang dikendalikan atau vi. The entity is controlled or jointly
dikendalikan bersama oleh orang controlled by a person identified in
yang diidentifikasi dalam huruf (a); (a);
vii. Orang yang diidentifikasi dalam huruf vii. A person identified in (a) (i) has
(a) (i) memiliki pengaruh signifikan significant influence over the entity or
atas entitas atau merupakan personil is a member of the key management
manajemen kunci entitas (atau personnel of the entity (or a parent of
entitas induk dari entitas); atau the entity); or
viii. Entitas atau anggota dari kelompok di viii. The entity or any members of a group
mana entitas merupakan bagian dari of which it is a part, provides key
kelompok tersebut, menyediakan jasa management personnel service to the
personil manajemen kunci kepada reporting entity or to the parent of the
entitas pelapor atau kepada entitas reporting entity.
induk dari entitas pelapor.
15
Page 588
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Transaksi dengan pihak berelasi dilakukan Transactions with related parties are made on
berdasarkan persyaratan yang disetujui oleh terms agreed by both parties, where such
kedua belah pihak, dimana persyaratan requirements may not be the same as other
tersebut mungkin tidak sama dengan transaksi transactions undertaken with third parties.
lain yang dilakukan dengan pihak-pihak yang Material transactions and balances with
tidak berelasi. Seluruh transaksi dan saldo related parties are disclosed in the notes to the
yang material dengan pihak-pihak berelasi financial statements and the relevant details
diungkapkan dalam catatan atas laporan have been presented in Note 37 of the
keuangan yang relevan dan rinciannya telah financial statements.
disajikan dalam Catatan 37 atas laporan
keuangan.
2.c. Aset dan Liabilitas Keuangan 2.c. Financial Assets and Liabilities
Aset keuangan dan liabilitas keuangan Bank The Bank’s financial assets and liabilities
terdiri atas: mainly consist of:
Golongan
Kategori yang berdasarkan PSAK 109/ (ditentukan oleh Bank)/ Subgolongan/
Category based on PSAK 109 Class Subclasses
(as determined by the Bank)
Kas/Cash
Giro pada Bank Indonesia/Current accounts with Bank Indonesia
Giro pada bank lain/Current accounts with other banks
Penempatan pada Bank Indonesia dan bank lain/Placements with Bank
Indonesia and other banks
Aset keuangan pada biaya perolehan diamortisasi/ Efek-efek yang dibeli dengan janji dijual kembali/Securities purchased under
Financial assets at amortized cost resale agreement
Aset keuangan/ Kredit yang diberikan/Loans
Financial assets
Pendapatan bunga yang masih akan diterima/Interest Receivables
Aset lain-lain/Other Assets Uang jaminan/Security deposits
Obligasi Pemerintah/ Government Bonds
Aset keuangan pada nilai wajar melalui penghasilan
komprehensif lain/ Sekuritas Rupiah Bank Indonesia/
Efek-efek/Marketable securities
Financial assets at fair value through other Bank Indonesia Rupiah Securities
comprehensive income
Sukuk Pemerintah/Government Sukuk
Simpanan nasabah/Deposits from customers
Simpanan dari bank lain/Deposits from other banks
Liabilitas keuangan yang diukur dengan biaya Efek-efek yang dijual dengan janji dibeli kembali/Securities sold under
Liabilitas keuangan/ repurchased agreement
perolehan diamortisasi/
Financial liabilities
Financial liabilities at amortized cost
Bunga yang masih harus dibayar/Accrued interests
Beban yang masih harus dibayar/
Liabilitas lain-lain/Other liabilities
Accrual expenses
Rekening Administratif/
Fasilitas kredit kepada nasabah yang belum digunakan/Unused loans facilities to debtors
Off Balance Sheet
(i) Klasifikasi (i) Classification
Bank mengklasifikasikan aset The Bank classifies its financial assets
keuangannya berdasarkan kategori according to the following categories at
sebagai berikut pada saat pengakuan initial recognition:
awal:
• Aset keuangan yang diukur pada nilai • • Financial assets measured at fair
wajar melalui laba rugi; value through profit or loss;
• Aset keuangan yang diukur pada nilai • Financial assets measured at fair
wajar melalui penghasilan value through other comprehensive
komprehensif lain; income;
• Aset keuangan yang diukur pada • Financial assets measured at
biaya perolehan diamortisasi. amortized cost.
16
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Bank melakukan pengujian karakteristik The Bank assess the contractual cash flow
arus kas kontraktual dari aset keuangan characteristics of financial assets to
yang dikelola untuk mengetahui determine the characteristics of
karakteristik arus kas kontraktual berasal contractual cash flows only from the
hanya dari pembayaran pokok dan bunga payment of principal and interest from the
dari jumlah pokok terutang (Solely outstanding principal (Solely Payment of
Payment of Principal and Interest atau Principal and Interest or Pass SPPI) that is
Pass SPPI) yang konsisten dengan consistent with basic lending agreement.
pengaturan pinjaman dasar (Basic
Lending Agreement).
Dalam melakukan penilaian, Bank In making the assessment, the Bank
mempertimbangkan: considers:
• Imbalan untuk nilai waktu dari uang; • The time value of money element of
interest;
• Leverage; • Leverage;
• Variabilitas pada waktu dan jumlah • Variability in timing or amount of cash
arus kas; flows;
• Instrumen yang terkait secara • Contractually linked instruments;
kontraktual;
• Pembayaran dipercepat; dan • Early repayment; and
• Ketentuan kontrak tidak sah dan de • Non-genuine features and de
minimis. minimis.
Aset keuangan diukur pada biaya Financial assets are measured at
perolehan diamortisasi jika memenuhi amortized cost if they meet the following
kondisi sebagai berikut: conditions:
• Aset keuangan dikelola dalam model • • Financial assets are managed in a
bisnis yang bertujuan untuk memiliki business model that aims to have
aset keuangan dalam rangka financial assets in order to collect
mendapatkan arus kas kontraktual; contractual cash flow; and
dan
• Persyaratan kontraktual dari aset • The contractual terms of the financial
keuangan tersebut memberikan hak asset provide rights on a certain date
pada tanggal tertentu atas arus kas for cash flow obtained solely from
yang diperoleh semata dari payment of principal and interest
pembayaran pokok dan bunga (SPPI) (SPPI) on the principal amount
dari jumlah pokok terutang. outstanding.
Aset keuangan diukur pada nilai wajar Financial assets are measured at fair
melalui penghasilan komprehensif lain value through other comprehensive
(FVTOCI) jika memenuhi kondisi sebagai income (FVTOCI) if they meet the
berikut: following conditions:
• Aset keuangan dikelola dalam model • • Financial assets are managed in a
bisnis yang bertujuan untuk business model that aims to collect
mendapatkan arus kas kontraktual contractual cash flow and sell
dan menjual aset keuangan; dan financial assets; and
• Persyaratan kontraktual dari aset • The contractual requirements of the
keuangan tersebut memenuhi kriteria financial assets meet the SPPI
SPPI. criteria.
Pada saat pengakuan awal, Bank dapat At initial recognition, the Bank may make
membuat pilihan yang tidak dapat an irrevocable choice to present equity
dibatalkan untuk menyajikan instrumen instruments that are not held for trading at
ekuitas yang bukan dimiliki untuk fair value through other comprehensive
diperdagangkan pada nilai wajar melalui income.
penghasilan komprehensif lain.
17
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Aset keuangan lainnya yang tidak Other financial assets that do not meet the
memenuhi persyaratan untuk requirements to be classified as financial
diklasifikasikan sebagai aset keuangan assets measured at amortized cost or fair
diukur pada biaya perolehan diamortisasi value through other comprehensive
atau nilai wajar melalui penghasilan income, are classified as measured at fair
komprehensif lain, diklasifikasikan sebagai value through profit or loss.
diukur pada nilai wajar melalui laba rugi.
Saat pengakuan awal, Bank dapat At initial recognition, the Bank can make an
membuat penetapan yang tidak dapat irrevocable determination to measure
dibatalkan untuk mengukur aset yang assets that meet the requirements to be
memenuhi persyaratan untuk diukur pada measured at amortized cost or fair value
biaya perolehan diamortisasi atau nilai through other comprehensive income at
wajar melalui penghasilan komprehensif fair value through profit or loss, if the
lain pada nilai wajar melalui laba rugi, determination eliminates or significantly
apabila penetapan tersebut mengeliminasi reduces the measurement or recognition
atau secara signifikan mengurangi inconsistencies (sometimes referred to as
inkonsistensi pengukuran atau pengakuan "accounting mismatch").
(kadang disebut sebagai ”accounting
mismatch”).
Penilaian model bisnis Evaluation of business models
Model bisnis ditentukan pada level yang The business model is determined at a
mencerminkan bagaimana kelompok aset level that reflects how Bank’s financial
keuangan dikelola bersama-sama untuk assets are managed together to achieve
mencapai tujuan bisnis tertentu. certain business objectives.
Penilaian model bisnis dilakukan dengan The evaluation of the business model is
mempertimbangkan, tetapi tidak terbatas carried out by considering, but not limited
pada, hal-hal berikut: to, the following:
• Bagaimana kinerja dari model bisnis • • How the performance of the
dan aset keuangan yang dimiliki business model and financial assets
dalam model bisnis dievaluasi dan held in the business model are
dilaporkan kepada personil evaluated and reported to the Bank's
manajemen kunci Bank; key management personnel;
• Apakah risiko yang memengaruhi • What risks affect the performance of
kinerja dari model bisnis (termasuk the business model (including
aset keuangan yang dimiliki dalam financial assets held in the business
model bisnis) dan khususnya model) and specifically how the
bagaimana cara aset keuangan financial assets are managed; and
tersebut dikelola; dan
• Bagaimana penilaian kinerja • How to evaluate the performance of
pengelola aset keuangan (sebagai managers of financial assets (for
contoh, apakah penilaian kinerja example, whether performance
berdasarkan nilai wajar dari aset appraisals are based on the fair value
yang dikelola atau arus kas of the assets being managed or the
kontraktual yang diperoleh). contractual cash flows obtained).
Aset keuangan yang dimiliki untuk Financial assets held for trading or
diperdagangkan atau dikelola dan managed and which performance
penilaian kinerjanya berdasarkan nilai appraisals based on fair value are
wajar diukur pada nilai wajar melalui laba measured at fair value through profit or
rugi. loss.
18
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Derivatif juga dikategorikan dalam Derivatives are also categorized under this
kelompok ini, kecuali derivatif yang classification, unless they are designated
ditetapkan sebagai instrumen lindung nilai as effective hedging instruments.
efektif.
Penilaian mengenai arus kas Evaluation of contractual cash flows
kontraktual yang diperoleh semata dari obtained solely from payment of
pembayaran pokok dan bunga principal and interest
Untuk tujuan penilaian ini, pokok For the purpose of this valuation, principal
didefinisikan sebagai nilai wajar dari aset is defined as the fair value of financial
keuangan pada saat pengakuan awal. assets at initial recognition. Interest is
Bunga didefinisikan sebagai imbalan untuk defined as compensation for the time value
nilai waktu atas uang dan risiko kredit of money and credit risk in relation to the
terkait jumlah pokok terutang pada periode principal amount owed over a certain
waktu tertentu dan juga risiko dan biaya period of time and also the risk and
peminjaman standar, dan juga marjin laba. standard borrowing costs, as well as profit
margins.
Penilaian mengenai arus kas kontraktual An assessment of contractual cash flows
yang diperoleh semata dari pembayaran obtained solely from principal and interest
pokok dan bunga dilakukan dengan payments is made by considering
mempertimbangkan persyaratan contractual terms, including whether
kontraktual, termasuk apakah aset financial assets contain contractual terms
keuangan mengandung persyaratan that can change the timing or amount of
kontraktual yang dapat mengubah waktu contractual cash flows. In assessing, the
atau jumlah arus kas kontraktual. Dalam Bank considers:
melakukan penilaian, Bank
mempertimbangkan:
• Peristiwa kontinjensi yang akan • • Contingency events that will change
mengubah waktu atau jumlah arus the timing or amount of contractual
kas kontraktual; cash flow;
• Fitur leverage; • Leverage feature;
• Persyaratan pembayaran di muka • Terms of advance payment and
dan perpanjangan kontraktual; contractual extension;
• Persyaratan mengenai klaim yang • Requirements regarding limited
terbatas atas arus kas yang berasal claims for cash flows from specific
dari aset spesifik; dan assets; and
• Fitur yang dapat mengubah nilai • Features that can change the time
waktu dari elemen uang. value of the money element.
Liabilitas keuangan diklasifikasikan ke Financial liabilities are classified into the
dalam kategori sebagai berikut pada saat following categories at initial recognition:
pengakuan awal:
• Liabilitas keuangan yang diukur pada • • Financial liabilities at fair value through
nilai wajar melalui laba rugi, yang profit or loss, which comprise two (2)
terdiri dari dua (2) subklasifikasi, sub-classifications: (i) financial
yaitu: (i) liabilitas keuangan yang liabilities designated at fair value
ditetapkan untuk diukur pada nilai through profit or loss upon initial
wajar melalui laba rugi pada saat recognition, and (ii) financial liabilities
pengakuan awal, dan (ii) liabilitas classified as held for trading.
keuangan yang diklasifikasikan
sebagai diperdagangkan. • Other financial liabilities, which
• Liabilitas keuangan lainnya, yaitu represent financial liabilities that are
liabilitas keuangan yang tidak neither classified as held for trading
diklasifikasi sebagai diperdagangkan nor designated at fair value through
dan tidak ditetapkan untuk diukur profit or loss upon initial recognition.
pada nilai wajar melalui laba rugi
pada saat pengakuan awal.
19
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
(ii) Pengakuan (ii) Recognition
Bank pada awalnya mengakui kredit yang The Bank initially recognizes loans and
diberikan serta simpanan pada tanggal deposits on the date of origination. Regular
perolehan. Pembelian dan penjualan aset way purchases and sales of financial
keuangan yang lazim (reguler) diakui pada assets are recognized on the trade date at
tanggal perdagangan dimana Bank which the Bank commits to purchase or sell
memiliki komitmen untuk membeli atau the asset. All other financial assets and
menjual aset tersebut. Semua aset dan liabilities are initially recognized on the
liabilitas keuangan lainnya pada awalnya trade date at which the Bank becomes a
diakui pada tanggal perdagangan dimana party to the contractual provisions of the
Bank menjadi suatu pihak dalam instruments.
ketentuan kontraktual instrumen tersebut.
Pada saat pengakuan awal, aset atau A financial asset or liability is initially
liabilitas keuangan diukur pada nilai wajar measured at fair value plus (for an item not
ditambah (untuk item yang tidak diukur valued at fair value through profit and loss
pada nilai wajar melalui laba rugi setelah at initial recognition) transaction costs
pengakuan awal) biaya transaksi yang subsequently measured at fair value that
dapat diatribusikan secara langsung atas are directly attributable to the acquisition of
perolehan aset keuangan atau penerbitan financial assets or issuance of financial
liabilitas keuangan. Pengukuran aset dan liabilities. The subsequent measurement of
liabilitas keuangan setelah pengakuan assets and liabilities depends on their
awal tergantung pada klasifikasi aset dan classifications.
liabilitas keuangan tersebut.
Biaya transaksi hanya meliputi biaya- Transaction costs include only those costs
biaya yang dapat diatribusikan secara that are directly attributable to the
langsung untuk perolehan suatu aset acquisition of a financial asset or issue of a
keuangan atau penerbitan suatu liabilitas financial liability and are incremental costs
keuangan dan merupakan biaya that would not have been incurred if the
tambahan yang tidak akan terjadi apabila instrument had not been acquired or
instrumen keuangan tersebut tidak issued. In the case of financial assets,
diperoleh atau diterbitkan. Untuk aset transaction costs are added to the amount
keuangan, biaya transaksi ditambahkan recognized initially, while for financial
pada jumlah yang diakui pada awal liabilities, transaction costs are deducted
pengakuan aset, sedangkan untuk from the amount of debt recognized
liabilitas keuangan, biaya transaksi initially.
dikurangkan dari jumlah utang yang diakui
pada awal pengakuan liabilitas.
Biaya transaksi tersebut diamortisasi Such transaction costs are amortized over
selama umur instrumen berdasarkan the terms of the instruments based on the
metode suku bunga efektif dan dicatat effective interest method and are recorded
sebagai bagian dari pendapatan bunga as part of interest income for transaction
untuk biaya transaksi sehubungan dengan costs related to financial assets or interest
aset keuangan atau sebagai bagian dari expense for transaction costs related to
beban bunga untuk biaya transaksi financial liabilities.
sehubungan dengan liabilitas keuangan.
Liabilitas keuangan pada awalnya diukur Financial liabilities are initially measured at:
pada:
(i) Liabilitas keuangan yang diukur pada (i) Financial liabilities at fair value through
nilai wajar melalui laba rugi profit or loss
Kategori ini terdiri dari This category consists of two sub
dua subkategori: liabilitas categories: financial liabilities classified
keuangan diklasifikasikan sebagai as trading and financial liabilities which
diperdagangkan dan liabilitas at initial recognition were designated at
20
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
keuangan yang pada saat pengakuan fair value through profit or loss.
awal telah ditetapkan diukur pada nilai
wajar melalui laba rugi.
(ii) Liabilitas keuangan yang diukur (ii) Financial liabilities at amortized cost,
dengan biaya perolehan diamortisasi, except:
kecuali:
a. Liabilitas keuangan yang diukur a. Financial liabilities at fair value
pada nilai wajar melalui laba rugi. through profit or loss.
b. Liabilitas keuangan yang b. Financial liabilities that arise when
timbul ketika pengalihan aset a transfer of a financial asset does
keuangan tidak memenuhi syarat not qualify for derecognition or
penghentian pengakuan atau when the continuing involvement
ketika pendekatan keterlibatan approach is applied.
berkelanjutan diterapkan.
c. Kontrak jaminan keuangan. c. Financial guarantee contracts.
d. Komitmen dengan suku bunga di d. Commitment to provide loans at
bawah pasar. below market interest rates.
Imbalan kontinjensi yang diakui oleh Contingent consideration recognized
pihak pengakuisisi dalam kombinasi by the acquirer in the business
bisnis. combination.
(iii) Pengukuran setelah pengakuan awal (iii) Subsequent Measurement
Setelah pengakuan awal, Bank After initial recognition, the Bank
mengukur aset keuangan, sesuai measures financial assets, according
dengan klasifikasi aset keuangan to the classification of financial assets
pada: at:
a. Biaya perolehan diamortisasi. a. Amortized cost.
b. Nilai wajar melalui penghasilan b. Fair value through other
komprehensif lain. comprehensive income.
c. Nilai wajar melalui laba rugi. c. Fair value through profit or loss.
a. Aset keuangan pada biaya a. Financial assets at amortized cost
perolehan diamortisasi
Aset keuangan pada biaya perolehan Financial assets at amortized cost are
diamortisasi diukur dengan measured by adding up the financial
menjumlahkan aset keuangan yang assets measured at initial recognition
diukur saat pengakuan awal dikurangi minus principal payments, added or
pembayaran pokok, ditambah atau reduced by cumulative amortization
dikurangi dengan amortisasi kumulatif using the effective interest method
menggunakan metode bunga efektif calculated from the difference between
yang dihitung dari selisih antara nilai the initial value and the maturity value
awal dan nilai jatuh temponya dan and adjusted for the allowance for
disesuaikan dengan penyisihan losses.
kerugiannya.
Keuntungan atau kerugian akibat Gains or losses due to fluctuations in
fluktuasi nilai wajar tidak diakui untuk fair value are not recognized for the
aset keuangan pada biaya perolehan financial assets at amortized cost.
diamortisasi.
Pendapatan bunga dihitung Interest income is calculated using the
menggunakan metode bunga efektif effective interest method by applying
yaitu dengan menerapkan suku bunga an effective interest rate to the gross
efektif atas jumlah tercatat bruto aset carrying amount of financial assets,
keuangan, kecuali untuk: except for:
21
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
• Aset keuangan yang dibeli atau • Financial assets purchased or
yang berasal dari aset keuangan originating from financial assets
memburuk. Untuk aset keuangan deteriorate. For these financial
tersebut, Bank menerapkan suku assets, the Bank applies an effective
bunga efektif yang disesuaikan interest rate adjusted by credit for
dengan kredit atas biaya perolehan the amortized cost of the financial
diamortisasi aset keuangan sejak assets from initial recognition.
pengakuan awal.
• Aset keuangan yang tidak dibeli • Financial assets that are not
atau yang berasal dari aset purchased or that originate from
keuangan memburuk tetapi financial assets deteriorate but
selanjutnya menjadi aset keuangan subsequently become financial
memburuk. Untuk aset keuangan assets deteriorate. For these
tersebut, Bank menerapkan suku financial assets, the Bank applies an
bunga efektif atas biaya perolehan effective interest rate on the
diamortisasi aset keuangan di amortized cost of the financial assets
periode pelaporan selanjutnya. in the next reporting period.
Bank dalam suatu periode pelaporan The Bank in a reporting period
menghitung pendapatan bunga dengan calculates interest income by applying
menerapkan metode bunga efektif atas the effective interest method on the
biaya perolehan diamortisasi aset acquisition cost of amortized financial
keuangan, pada periode pelaporan assets, in the next reporting period,
selanjutnya, menghitung pendapatan calculating interest income by applying
bunga dengan menerapkan suku an effective interest rate on the gross
bunga efektif atas jumlah tercatat bruto carrying amount if the credit risk of the
jika risiko kredit instrumen keuangan financial instrument improves so that
tersebut membaik sehingga aset the financial assets no longer
keuangan tidak lagi mengalami experience Impairment of credit value
penurunan nilai kredit dan perbaikan and improvement can be objectively
tersebut secara objektif dapat dikaitkan related to an event that occurs after the
dengan suatu peristiwa yang terjadi requirements listed in the second point
setelah persyaratan yang tercantum of the above paragraph are applied (for
dalam poin kedua pada paragraf di example, an improvement in the
atas diterapkan (misalnya, perbaikan borrower's credit rating).
peringkat kredit peminjam).
b. Aset keuangan pada nilai wajar b. Financial assets at fair value
melalui penghasilan komprehensif through other comprehensive
lain income
Keuntungan atau kerugian aset Gains or losses of financial assets
keuangan yang diukur pada nilai wajar measured at fair value through other
melalui penghasilan komprehensif lain comprehensive income are recognized
diakui dalam penghasilan in other comprehensive income until
komprehensif lain sampai aset the financial assets are derecognized
keuangan dihentikan pengakuannya or reclassified, except:
atau direklasifikasi, kecuali:
• Bunga yang dihitung menggunakan • Interest calculated using the
metode bunga efektif diakui dalam effective interest method is
laba rugi, jumlah yang diakui dalam recognized in profit or loss, the
laba rugi sama dengan jumlah yang amount recognized in profit or loss
akan diakui dalam laba rugi jika aset is equal to the amount to be
keuangan diukur pada biaya recognized in profit or loss if the
perolehan diamortisasi; financial asset is measured at
amortized cost;
22
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
• Keuntungan atau kerugian • Impairment gains or losses; or
penurunan nilai; atau
• Keuntungan atau kerugian selisih • Foreign Exchange gains or losses.
kurs.
Ketika aset keuangan dihentikan When a financial asset is
pengakuannya, keuntungan atau derecognized, the cumulative gain or
kerugian kumulatif yang telah diakui loss previously recognized in other
sebelumnya dalam penghasilan comprehensive income is reclassified
komprehensif lain direklasifikasi dari from equity to profit or loss as a
ekuitas ke laba rugi sebagai reclassification adjustment.
penyesuaian reklasifikasi.
Khusus untuk aset keuangan Specifically for financial assets in the
berbentuk instrumen ekuitas, jumlah form of equity instruments, the
yang disajikan pada penghasilan amounts presented in other
komprehensif lainnya tidak selanjutnya comprehensive income are not
dialihkan ke laba rugi. Akan tetapi, subsequently transferred to profit or
Bank dapat mengalihkan keuntungan loss. However, the Bank can transfer
atau kerugian kumulatif pada ekuitas. cumulative gains or losses on equity.
Sesuai dengan paragraf sebelumnya, In accordance with the previous
jika aset keuangan diukur pada nilai paragraph, if a financial asset is
wajar melalui penghasilan measured at fair value through other
komprehensif lain, jumlah yang diakui comprehensive income, the amount
dalam laba rugi sama dengan jumlah recognized in profit or loss is the same
yang akan diakui dalam laba rugi jika as the amount to be recognized in
aset keuangan diukur pada biaya profit or loss if the financial asset is
perolehan diamortisasi. measured at amortized cost.
c. Aset keuangan pada nilai wajar c. Financial assets at fair value
melalui laba rugi through profit or loss
Aset dinilai pada nilai wajar. Seluruh Assets are valued at fair value. All
keuntungan dan kerugian yang timbul gains and losses arising from changes
akibat perubahan nilai wajar diakui in fair value are recognized in profit or
pada laporan laba rugi, kecuali loss, except for hedging instruments
instrumen lindung nilai yang ditetapkan that are designated in certain hedging
ke dalam hubungan lindung nilai relationships.
tertentu.
Bank menerapkan persyaratan The Bank applies an impairment
penurunan nilai untuk aset keuangan requirement for financial assets
yang diukur pada biaya perolehan measured at amortized cost and
diamortisasi dan aset keuangan dalam financial assets in the form of debt
bentuk instrumen utang yang diukur instruments that are measured at fair
pada nilai wajar melalui penghasilan value through other comprehensive
komprehensif lain. income.
Investasi dalam instrumen ekuitas yang Investment in equity instruments that do
tidak memiliki harga kuotasian di pasar not have a quoted market price in an
aktif dan nilai wajarnya tidak dapat active market and whose fair value
diukur secara andal diukur pada biaya cannot be reliably measured are
perolehan. measured at cost.
Setelah pengakuan awal, Bank After initial recognition, the Bank
mengukur liabilitas keuangan, sesuai measures financial liabilities, according
dengan klasifikasi aset keuangan pada: to the classification of financial assets
at:
23
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
a. Biaya perolehan diamortisasi; atau a. Amortized cost; or
b. Nilai wajar melalui laba rugi. b. Fair value through profit or loss.
Untuk liabilitas keuangan yang diukur For financial liabilities measured at profit
pada laba rugi, keuntungan dan or loss, gains and losses are recognized
kerugian diakui pada laba rugi. in profit or loss. There are exceptions in
Terdapat pengecualian pada kasus the case of financial liabilities
liabilitas keuangan ditetapkan sebagai designated as FVTPL where changes in
FVTPL dimana perubahan risiko kredit credit liability risks are recognized in
liabilitas diakui pada penghasilan other comprehensive income with other
komprehensif lain dengan keuntungan gains and losses recognized in profit or
dan kerugian lainnya diakui pada laba loss.
rugi.
Setelah pengakuan awal, liabilitas After initial recognition, financial
keuangan yang diukur pada FVTPL liabilities at FVTPL are measured at its
diukur pada nilai wajarnya. Keuntungan fair value. Gains or losses arising from a
atau kerugian yang timbul dari change in the fair value are recognized
perubahan nilai wajar diakui dalam laba in profit or loss.
rugi.
(iii) Penghentian pengakuan (iii) Derecognition
Bank menghentikan pengakuan aset The Bank derecognizes a financial asset
keuangan pada saat hak kontraktual atas when the contractual rights to the cash
arus kas yang berasal dari aset keuangan flows from the financial asset expire, or
tersebut kedaluwarsa, atau pada saat when the Bank transfers the rights to
Bank mentransfer seluruh hak untuk receive the contractual cash flows on the
menerima arus kas kontraktual dari aset financial asset in a transaction in which
keuangan dalam transaksi dimana Bank substantially all the risks and rewards of
secara substansial telah mentransfer ownership of the financial asset are
seluruh risiko dan manfaat atas transferred. Any interest in transferred
kepemilikan aset keuangan yang financial assets that is created or retained
ditransfer. Setiap hak atau liabilitas atas by the Bank is recognized as a separate
aset keuangan yang ditransfer yang timbul asset or liability.
atau yang masih dimiliki oleh Bank diakui
sebagai aset atau liabilitas secara
terpisah.
Bank menghentikan pengakuan liabilitas The Bank derecognizes a financial liability
keuangan pada saat liabilitas yang when its contractual obligations are
ditetapkan dalam kontrak dilepaskan atau discharged or cancelled or expired.
dibatalkan atau kedaluwarsa.
Dalam transaksi dimana Bank secara In transactions in which the Bank neither
substansial tidak memiliki atau tidak retains nor transfers substantially all the
mentransfer seluruh risiko dan manfaat risks and rewards of ownership of a
atas kepemilikan aset keuangan, Bank financial asset, the Bank derecognizes the
menghentikan pengakuan aset tersebut asset if it does not retain control over the
jika Bank tidak lagi memiliki pengendalian asset. The rights and obligations retained
atas aset tersebut. Hak dan kewajiban in the transfer are recognized separately
yang timbul atau yang masih dimiliki as assets and liabilities as appropriate. In
dalam transfer tersebut diakui secara transfers in which control over the asset is
terpisah sebagai aset atau liabilitas. retained, the Bank continues to recognize
Dalam transfer dimana pengendalian atas the asset to the extent of its continuing
aset masih dimiliki, Bank tetap mengakui involvement, determined by the extent to
aset yang ditransfer tersebut sebesar which it is exposed to changes in the value
keterlibatan berkelanjutan, dimana tingkat of the transferred asset.
24
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
keberlanjutan Bank dalam aset yang
ditransfer adalah sebesar perubahan nilai
aset yang ditransfer.
Bank menghapusbukukan saldo kredit dan The Bank writes off credit balances and
efek utang untuk tujuan investasi, dan debt securities for investment purposes,
cadangan kerugian penurunan nilai terkait, and any related allowance for impairment
pada saat Bank menentukan bahwa kredit losses, when the Bank determines that the
atau efek-efek tersebut tidak dapat ditagih. loan or security is uncollectible. This
Keputusan ini diambil setelah determination is reached after considering
mempertimbangkan informasi seperti telah information such as the occurrence of
terjadinya perubahan signifikan pada significant changes in the borrowers/
posisi keuangan debitur/penerbit sehingga issuers financial position such that the
debitur/penerbit tidak lagi dapat melunasi borrower/issuer can no longer pay the
liabilitasnya, atau hasil penjualan agunan obligation, or that proceeds from collateral
tidak akan cukup untuk melunasi seluruh will not be sufficient to pay back the entire
eksposur kredit yang diberikan. exposure.
(iv) Saling hapus (iv) Offsetting
Aset keuangan dan liabilitas keuangan Financial assets and financial liabilities are
saling hapus dan nilai netonya dilaporkan offset and the net amount is reported in
di laporan posisi keuangan jika, dan hanya the statement of financial position if, and
jika, saat ini terdapat hak yang only if, there is currently an enforceable
berkekuatan hukum untuk saling hapus legal rights to offset the recognized
jumlah keduanya dan terdapat intensi amounts and there is an intention to settle
untuk diselesaikan secara neto, atau untuk on a net basis, or to realize the assets and
merealisasikan aset dan menyelesaikan settle the liabilities simultaneously.
liabilitas secara bersamaan.
Hak yang berkekuatan hukum berarti: Enforceable right means:
a. Tidak terdapat kontinjensi di masa a. There are no contingencies in the
yang akan datang, dan future, and
b. Hak yang berkekuatan hukum pada b. Enforceable right to the following
kondisi-kondisi berikut ini: conditions;
i. Kegiatan bisnis normal; i. Deploying normal activities;
ii. Kondisi kegagalan usaha; dan ii. Conditions of business failures; and
iii. Kondisi gagal bayar atau bangkrut. iii. Conditions of default or bankruptcy.
Pendapatan dan beban disajikan dalam Income and expenses are presented on a
jumlah bersih hanya jika diperkenankan net basis only when permitted by
oleh standar akuntansi. accounting standards.
(v) Pengukuran biaya diamortisasi (v) Amortized cost measurement
Biaya perolehan diamortisasi dari aset The amortized cost of a financial asset or
atau liabilitas keuangan adalah jumlah liability is the amount at which the financial
aset atau liabilitas keuangan yang diukur asset or liability is measured at initial
pada saat pengakuan awal dikurangi recognition, minus principal repayments,
pembayaran pokok, ditambah atau plus or minus the cumulative amortization
dikurangi dengan amortisasi kumulatif using the effective interest method of any
dengan menggunakan metode suku difference between the initial amount
bunga efektif yang dihitung dari selisih recognized and the maturity amount, less
antara nilai awal dan nilai jatuh temponya, allowance for impairment losses.
dan dikurangi cadangan kerugian
penurunan nilai.
25
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
(vi) Pengukuran nilai wajar (vi) Fair value measurement
Nilai wajar adalah harga yang akan Fair value is the price that would be
diterima untuk menjual suatu aset atau received to sell an asset or paid to transfer
harga yang akan dibayar untuk a liability in an orderly transaction between
mengalihkan suatu liabilitas dalam market participants at the measurement
transaksi teratur antara pelaku pasar pada date.
tanggal pengukuran.
Pengukuran nilai wajar mengasumsikan The fair value measurement is based on
bahwa transaksi untuk menjual aset atau the presumption that the transaction to sell
mengalihkan liabilitas terjadi: the asset or transfer the liability takes
place either:
• Di pasar utama untuk aset dan • In the primary market for the asset and
liabilitas tersebut; atau liability; or
• Jika tidak terdapat pasar utama, • In the absence of a primary market, in
dipasar yang paling menguntungkan the most advantageous market for the
untuk aset atau liabilitas tersebut. asset or liability.
Nilai wajar suatu aset atau liabilitas diukur The fair value of an asset or a liability is
menggunakan asumsi yang akan measured using the assumptions that
digunakan pelaku pasar ketika market participants would use when
menentukan harga aset dan liabilitas pricing the asset or liability, assuming that
tersebut dengan asumsi bahwa pelaku market participants act in their economic
pasar bertindak dalam kepentingan best interest.
ekonomik terbaiknya.
Pengukuran nilai wajar aset non- A fair value measurement of a non-
keuangan memperhitungkan kemampuan financial asset takes into account a market
pelaku pasar untuk menghasilkan manfaat participant's ability to generate economic
ekonomik dengan menggunakan aset benefits by using the asset in its highest
dalam penggunaan tertinggi dan and best use or by selling it to another
terbaiknya atau dengan menjualnya market participant that would use the
kepada pelaku pasar lain yang akan asset in its highest and best use.
menggunakan aset tersebut dalam
penggunaan tertinggi dan terbaiknya.
Bank menggunakan teknik penilaian yang The Bank uses valuation techniques that
sesuai dalam keadaan dan dimana data are appropriate in the circumstances and
yang memadai tersedia untuk mengukur for which sufficient data are available to
nilai wajar, memaksimalkan penggunaan measure fair value, maximizing the use of
input yang dapat diobservasi yang relevan relevant observable inputs and minimizing
dan meminimalkan penggunaan input the use of unobservable inputs.
yang tidak dapat diobservasi.
Semua aset dan liabilitas dimana nilai All assets and liabilities for which fair value
wajar diukur atau diungkapkan dalam is measured or disclosed in the financial
laporan keuangan dapat dikategorikan statements are categorized within the fair
pada level hierarki nilai wajar, berdasarkan value hierarchy, described as follows,
tingkatan input terendah yang signifikan based on the lowest level input that is
atas pengukuran nilai wajar secara significant to the fair value measurement
keseluruhan: as a whole:
• Level 1: • Level 1:
harga kuotasian (tanpa penyesuaian) quoted (unadjusted) market prices in
di pasar aktif untuk aset atau liabilitas active markets for identical assets or
yang identik; liabilities;
26
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
• Level 2: • Level 2:
input selain harga kuotasian yang inputs other than quoted prices
termasuk dalam Level 1 yang dapat included within Level 1 that are
diobservasi untuk aset dan liabilitas observable for the asset or liability
baik secara langsung (misalnya, either directly (example, price) or
harga) atau secara tidak langsung; indirectly;
• Level 3: • Level 3:
input untuk aset dan liabilitas yang inputs for the asset and liability that
bukan berdasarkan data pasar yang are not based on observable market
dapat diobservasi (input yang tidak data (unobservable inputs).
dapat diobservasi).
Untuk aset dan liabilitas yang diakui pada For assets and liabilities that are
laporan keuangan secara berulang, Bank recognized in the financial statements on a
menentukan apakah terjadi transfer antara recurring basis, the Bank determines
level di dalam hierarki dengan cara whether transfers have occurred between
mengevaluasi kategori (berdasarkan input levels in the hierarchy by re-assessing
level terendah yang signifikan dalam categorization (based on the lowest level
pengukuran nilai wajar) setiap akhir input that is significant to the fair value
periode pelaporan. measurement as a whole) at the end of
each reporting period.
(vii) Reklasifikasi Instrumen Keuangan (vii) Reclassification of Financial Instruments
Bank mereklasifikasi aset keuangan jika The Bank reclassifies financial assets if
dan hanya jika, model bisnis untuk and only if, the business model for
pengelolaan aset keuangan berubah. managing financial assets changes.
Reklasifikasi aset keuangan dari klasifikasi Reclassifications of financial assets from
biaya perolehan yang diamortisasi ke amortized cost classifications to fair value
klasifikasi nilai wajar melalui laba rugi through profit or loss are recorded at fair
dicatat sebesar nilai wajarnya. Selisih value. The difference between the
antara nilai tercatat dengan nilai wajar recorded value and fair value is
diakui sebagai keuntungan atau kerugian recognized in profit or loss on the
pada laba rugi. statement of profit or loss and other
comprehensive income.
Reklasifikasi aset keuangan dari klasifikasi Reclassifications of financial assets from
biaya perolehan yang diamortisasi ke amortized cost classifications to fair value
klasifikasi nilai wajar melalui penghasilan classifications through other
komprehensif lain dicatat sebesar nilai comprehensive are recorded at their fair
wajarnya. values.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui penghasilan fair value classification through other
komprehensif lain ke klasifikasi nilai wajar comprehensive income to fair value
melalui laba rugi dicatat pada nilai wajar. classification through profit or loss is
Keuntungan atau kerugian yang belum recorded at fair value. Unrealized gains or
direalisasi direklasifikasi ke laba rugi. losses are reclassified to profit or loss.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui penghasilan fair value classifications through other
komprehensif lain ke klasifikasi biaya comprehensive income to the amortized
perolehan yang diamortisasi dicatat pada cost classification is recorded at carrying
nilai tercatat. Keuntungan atau kerugian value. Unrealized gains or losses are
yang belum direalisasi dihapus dari removed from equity and adjusted against
ekuitas dan disesuaikan terhadap nilai the fair value.
wajar.
27
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Reklasifikasi aset keuangan dari klasifikasi Reclassifications of financial assets from
nilai wajar melalui laba rugi ke klasifikasi fair value classification through profit or
nilai wajar melalui penghasilan loss to fair value classification through
komprehensif lain dicatat pada nilai wajar. other comprehensive income are recorded
at fair value.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui laba rugi ke klasifikasi fair value classification through profit or
biaya perolehan yang diamortisasi dicatat loss to amortized cost classification is
pada nilai wajar. recorded at fair value.
2.d. Kas 2.d. Cash
Kas meliputi kas kecil dan kas besar. Cash includes petty cash and cash.
2.e. Giro pada Bank Indonesia dan bank lain 2.e. Current accounts with Bank Indonesia and
other banks
Giro pada Bank Indonesia dan bank lain The current accounts with Bank Indonesia and
diklasifikasikan sebagai biaya perolehan yang other banks are classified as amortized cost
diamortisasi dan dinyatakan sebesar biaya and stated at amortized cost using the effective
perolehan diamortisasi menggunakan metode interest rate (EIR) method as disclosed in
suku bunga efektif (EIR) sebagaimana Note 2c.
diungkapkan dalam Catatan 2c.
2.f. Penempatan pada Bank Indonesia dan bank 2.f. Placements with Bank Indonesia and other
lain banks
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain merupakan penempatan call money, banks consist of call money, Bank Indonesia
Fasilitas Simpanan Bank Indonesia dan Deposit Facilities and time deposits.
deposito berjangka.
Penempatan pada Bank Indonesia dinyatakan Placements with Bank Indonesia are stated at
sebesar saldo penempatan dikurangi dengan the outstanding balances less unearned
pendapatan bunga yang ditangguhkan. interest income.
Penempatan pada Bank Indonesia dan bank The placements with Bank Indonesia and other
lain diklasifikasikan sebagai biaya perolehan banks are classified as amortized cost which
diamortisasi yang dinyatakan sebesar biaya are stated at amortized cost using the effective
perolehan diamortisasi menggunakan metode interest rate (EIR) method.
suku bunga efektif (EIR).
2.g. Efek-efek 2.g. Securities
Efek-efek terdiri dari Obligasi Pemerintah Securities consist of Government Bonds,
Indonesia, Sukuk Pemerintah Indonesia, dan Government Sukuk, and Bank Indonesia
Sekuritas Rupiah Bank Indonesia (“SRBI”). Rupiah Securities (“SRBI”).
Pada saat pengakuan awal, efek-efek dicatat At initial recognition, marketable securities are
sesuai dengan kategorinya yaitu aset recorded according to their category, i.e.,
keuangan diklasifikasikan pada biaya amortized cost, fair value through other
perolehan diamortisasi, nilai wajar melalui comprehensive income, or at fair value through
penghasilan komprehensif lain, atau nilai wajar profit or loss.
melalui laba rugi.
Pengukuran efek-efek didasarkan atas The measurement of securities are based on
klasifikasinya sebagai berikut: the classification of the securities as follows:
Aset keuangan yang diukur pada nilai wajar Financial assets measured at fair value
melalui penghasilan komprehensif lain. through other comprehensive income.
28
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Efek-efek yang diklasifikasikan sebagai dinilai Marketable securities which are classified
pada nilai wajar melalui penghasilan under fair value through other comprehensive
komprehensif lain dinyatakan pada nilai wajar. income investments are stated at fair value.
Pendapatan bunga diakui dalam laba rugi Interest income is recognized in the profit or
menggunakan metode suku bunga efektif. loss using the effective interest method.
Laba atau rugi selisih kurs atas surat-surat Foreign exchange gains or losses on securities
berharga diakui pada laba rugi. are recognized in the profit or loss.
Perubahan nilai wajar lainnya diakui langsung Other fair value changes are recognized
dalam ekuitas sampai surat-surat berharga directly in equity until the securities are sold or
dijual atau mengalami penurunan nilai, dimana impaired, whereby the cumulative gains and
akumulasi keuntungan dan kerugian yang losses previously recognized in the equity are
sebelumnya diakui dalam ekuitas diakui dalam recognized in the profit or loss.
laba rugi.
2.h. Efek-efek yang dibeli dengan janji dijual 2.h. Securities purchased under resell
kembali dan Efek-efek yang dijual dengan agreements and Securities sold under
janji dibeli kembali repurchased agreements
Efek-efek yang dibeli dengan janji dijual Securities purchased under resell agreements
kembali diklasifikasikan sebagai biaya are classified as amortized cost.
perolehan yang diamortisasi.
Efek-efek yang dibeli dengan janji dijual Securities purchased under resell agreements
kembali disajikan sebagai aset dalam laporan are presented as assets in the statement of
posisi keuangan sebesar jumlah penjualan financial position, at the resale price net of
kembali dikurangi dengan pendapatan bunga unamortized interest income and allowance for
yang belum diamortisasi dan cadangan impairment losses.
kerugian penurunan nilai.
Selisih antara harga beli dan harga jual kembali The difference between the purchase price and
diperlakukan sebagai pendapatan bunga yang the resale price is treated as unearned interest
ditangguhkan, dan diakui sebagai pendapatan income, and recognized as income over the
selama periode sejak efek-efek tersebut dibeli period starting from when those securities are
hingga dijual menggunakan suku bunga efektif. purchased until they are sold using effective
interest rate method.
Efek-efek yang dijual dengan janji dibeli Securities sold under repurchased agreements
kembali diklasifikasikan sebagai liabilitas are classified as financial liabilities measured at
keuangan yang diukur dengan biaya perolehan amortized cost.
diamortisasi.
Efek-efek yang dijual dengan janji dibeli Securities sold under repurchased agreements
kembali yang dimiliki terdiri dari Obligasi consists of Government Bonds.
Pemerintah.
Efek-efek yang dijual dengan janji dibeli Securities sold under repurchased agreements
kembali disajikan sebagai liabilitas dalam are presented as liabilities in the statement of
laporan posisi keuangan sebesar harga financial position at the agreed repurchase
pembelian kembali yang disepakati dikurangi price less unamortized unpaid interest. The
dengan bunga dibayar di muka yang belum difference between the agreed selling price and
diamortisasi. Selisih antara harga jual dan repurchase price is treated as interest expense
harga beli kembali yang disepakati payable and recognized as interest expense
diperlakukan sebagai beban bunga dibayar di over the period from the time the securities are
muka dan diakui sebagai beban bunga selama sold until they are repurchased using the
jangka waktu sejak efek-efek tersebut dijual effective interest rate method.
hingga dibeli kembali dengan menggunakan
metode suku bunga efektif.
29
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Efek-efek yang dijual dengan janji untuk dibeli Securities sold under repurchased agreements
kembali diklasifikasikan sebagai liabilitas are classified as financial liabilities at amortized
keuangan yang diukur dengan biaya perolehan cost.
diamortisasi.
2.i. Provisi dan kontinjensi 2.i. Provisions and contingencies
Provisi diakui jika Bank memiliki kewajiban kini Provisions are recognized when the Bank has a
(baik bersifat hukum maupun bersifat present obligation (legal or constructive) where,
konstruktif) yang akibat peristiwa masa lalu, as a result of a past event, it is probable that an
besar kemungkinannya penyelesaian outflow of resources embodying economic
kewajiban tersebut mengakibatkan arus keluar benefits will be required to settle the obligation
sumber daya yang mengandung manfaat and a reliable estimate can be made of the
ekonomi dan estimasi yang andal mengenai amount of the obligation.
jumlah kewajiban tersebut dapat dibuat.
Provisi ditelaah pada setiap tanggal pelaporan Provisions are reviewed at each reporting date
dan disesuaikan untuk mencerminkan estimasi and adjusted to reflect the current best
terbaik yang paling kini. Jika kemungkinan estimate. If it is no longer probable that an
besar tidak terjadi arus keluar sumber daya outflow of resources embodying economic
yang mengandung manfaat ekonomi untuk benefits will be required to settle the obligation,
menyelesaikan liabilitas tersebut, maka provisi the provision is reversed.
dibatalkan.
Aset dan kewajiban kontinjensi tidak diakui Contingent assets and liabilities are not
dalam laporan keuangan. Liabilitas kontinjensi recognized in the financial statements.
diungkapkan dalam laporan keuangan, kecuali Contingent liabilities are disclosed in the
kemungkinan arus keluar sumber daya yang financial statements, unless the possibility of an
mewujudkan manfaat ekonomi bersifat kecil. outflow of resources embodying economic
Aset kontinjensi diungkapkan dalam laporan benefits is remote. Contingent assets are
keuangan di mana kemungkinan besar terjadi disclosed in the financial statements where
arus masuk manfaat ekonomi. inflow of economic benefits is probable.
2.j. Kredit yang diberikan 2.j. Loans
Kredit yang diberikan pada awalnya diukur Loans are initially measured at fair value
pada nilai wajar ditambah biaya transaksi yang plus incremental transaction costs which
dapat diatribusikan secara langsung dan can be directly attributable and are additional
merupakan biaya tambahan untuk memperoleh costs to obtain those financial assets,
aset keuangan tersebut, dan setelah and subsequently measured at their amortized
pengakuan awal diukur pada biaya perolehan cost using the effective interest method.
diamortisasi dengan menggunakan metode Allowance for impairment losses is assessed
suku bunga efektif. Cadangan kerugian atas if there is an indication of impairment using
penurunan nilai dilakukan bila terdapat bukti the impairment methodology as disclosed in
objektif penurunan nilai dengan menggunakan Note 2k.
metodologi penurunan nilai sebagaimana
diungkapkan dalam Catatan 2k.
Kredit yang diberikan dihapusbukukan ketika Loans are written-off when there are no realistic
tidak terdapat prospek yang realistis mengenai prospects of collection or when the Banks
pengembalian pinjaman atau hubungan normal normal relationship with the collateralized
antara Bank dan debitur dengan jaminan telah borrowers has ceased to exist. When loans are
berakhir. Pinjaman yang tidak dapat dilunasi, deemed uncollectible, they are written-off
dihapusbukukan dengan mendebit cadangan against the related allowance for impairment
kerugian penurunan nilai. Pelunasan kemudian losses. Subsequent recoveries of loans written-
atas pinjaman yang telah dihapusbukukan off are credited to the allowance for impairment
sebelumnya, dikreditkan ke cadangan kerugian losses from loans in the statement of financial
penurunan nilai pinjaman di laporan posisi position.
keuangan.
30
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Restrukturisasi kredit Loan restructuring
Restrukturisasi kredit meliputi modifikasi Loan restructuring may involve a modification of
persyaratan kredit, konversi kredit menjadi the terms of the loans, conversion of loans into
saham atau instrumen keuangan lainnya equity or other financial instruments and/or a
dan/atau kombinasi dari keduanya. combination of both.
Kerugian yang timbul dari restrukturisasi kredit Losses on loan restructuring in respect of
yang berkaitan dengan modifikasi persyaratan modification of the terms of the loans are
kredit diakui bila nilai tunai penerimaan kas recognized only if the cash value of total future
masa depan yang telah ditentukan dalam cash receipt specified in the new terms of the
persyaratan kredit yang baru, termasuk loan, including both receipt designated as
penerimaan yang diperuntukan sebagai bunga interest and those designated as loan principal,
maupun pokok, adalah lebih kecil dari nilai are less than the recorded amounts of loans
kredit yang diberikan yang tercatat sebelum before restructuring.
restrukturisasi.
Untuk restrukturisasi kredit bermasalah dengan For non-performing restructured loan which
cara konversi kredit yang diberikan menjadi involves a conversion of loan into equity or
saham atau instrumen keuangan lainnya, other financial instrument, a loss on loan
kerugian dari restrukturisasi kredit diakui hanya restructuring is recognized only if the fair value
apabila nilai wajar penyertaan saham atau of the equity investment or other financial
instrumen keuangan yang diterima dikurangi instrument received, reduced by estimated
estimasi biaya untuk menjualnya, adalah costs to sell the equity or other financial
kurang dari nilai tercatat kredit yang diberikan. instrument, is less than the carrying value of the
loan.
2.k. Penurunan nilai aset keuangan dan non- 2.k. Impairment of financial and non-financial
keuangan assets
i. Penurunan nilai aset keuangan i. Impairment of financial assets
Bank mengakui penyisihan kerugian kredit The Bank recognizes the allowance for
ekspektasian pada instrumen keuangan expected credit losses on the financial
yang tidak diukur pada nilai wajar melalui instrument that are not measured at fair
laba rugi. value through profit or loss.
Tidak ada penyisihan kerugian kredit There is no allowance for expected credit
ekspektasian pada investasi instrumen losses on investment in equity instruments.
ekuitas.
Bank mengukur cadangan kerugian The Bank measures the allowance for
sejumlah kerugian ekspektasian sepanjang losses for the lifetime of an expected credit
umurnya, kecuali untuk hal berikut, diukur losses, expected credit losses, except for
sejumlah kerugian kredit ekspetaksian the following, which are measured
12 bulan: according to 12 months expected credit
losses:
• Instrumen utang yang memiliki risiko • Debt instruments that have low credit
kredit rendah pada tanggal pelaporan; risk at the reporting date; and
dan
• Instrumen keuangan lainnya yang • Other financial instruments for which
risiko kreditnya tidak meningkat secara credit risk has not increased
signifikan sejak pengakuan awal. significantly since initial recognition.
Bank menganggap instrumen utang The Bank considers debt instruments to
memiliki risiko kredit yang rendah ketika have low credit risk when the credit risk
peringkat risiko kreditnya setara dengan rating is at par with the globally understood
definisi investment grade yang dipahami definition of investment grade.
secara global.
31
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pengukuran Kerugian Kredit Measurement of Expected Credit Losses
Ekspektasian
Kerugian Kredit Ekspektasian (KKE) adalah Expected Credit Loss (ECL) is an estimate
estimasi probabilitas tertimbang dari of the weighted probability of a credit loss
kerugian kredit yang diukur sebagai berikut: measured as follows:
• Aset keuangan yang tidak memburuk • Financial assets that do not deteriorate
pada tanggal pelaporan, kerugian at the reporting date, the expected
kredit ekspektasian diukur sebesar credit loss is measured at the
selisih antara nilai kini dari seluruh difference between the present value
kekurangan kas (yaitu selisih antara of all cash shortages (i.e. the
arus kas yang terutang kepada Bank difference between the cash flows
sesuai dengan kontrak dan arus kas owed to the Bank in accordance with
yang diperkirakan akan diterima oleh the contract and the cash flows
Bank); expected to be received by the Bank);
• Aset keuangan yang memburuk pada • Financial assets that deteriorate at the
tanggal pelaporan, kerugian kredit reporting date, the expected credit loss
ekspektasian diukur sebesar selisih is measured at the difference between
antara jumlah tercatat bruto dan nilai the gross carrying amount and the
kini arus kas masa depan yang present value of estimated future cash
diestimasi; flows;
• Komitmen pinjaman yang belum ditarik, • For undisbursed loan commitments,
kerugian kredit ekspektasian diukur expected credit losses are measured
sebesar selisih antara nilai kini jumlah at the difference between the present
arus kas jika komitmen ditarik dan arus value of the amount of cash flow if the
kas yang diperkirakan akan diterima commitments is withdrawn and the
oleh Bank; cash flow expected to be received by
the Bank;
• Kontrak jaminan keuangan, kerugian • For financial guarantee contracts,
kredit ekspektasian diukur sebesar expected credit losses are measured
selisih antara pembayaran yang at the difference between the
diperkirakan untuk mengganti estimated payments to replace the
pemegang atas kerugian kredit yang holder for the credit losses incurred
terjadi dikurangi jumlah yang less the amount estimated to be
diperkirakan dapat dipulihkan. recoverable.
Bank mengklasifikasikan kredit yang The Bank classified the loans into 3 stages
diberikan menjadi 3 tahap/stage sesuai in accordance with its significant increase in
dengan peningkatan risiko kredit secara credit risk since their initial recognition.
signifikan sejak pengakuan awalnya.
Kerugian Kredit Ekspektasian 12 Bulan 12 Months Expected Credit Losses
(Stage 1) (Stage 1)
KKE diakui pada saat pengakuan awal ECL are recognized at the time of initial
instrumen keuangan dan recognition of a financial instrument and
merepresentasikan kekurangan kas represent the lifetime cash shortfalls arising
sepanjang umur aset yang timbul dari from possible default events up to 12
kemungkinan gagal bayar di masa yang months into the future from the reporting
akan datang dalam kurun waktu 12 bulan date. ECL continues to be determined on
sejak tanggal pelaporan. KKE terus this basis until there is either a significant
ditentukan oleh dasar ini sampai timbul increase in the credit risk of an instrument
peningkatan risiko kredit yang signifikan or the instrument becomes credit-impaired.
pada instrumen tersebut atau instrumen If an instrument is no longer considered to
tersebut telah mengalami penurunan nilai exhibit a significant increase in credit risk,
kredit. Jika suatu instrumen tidak lagi ECL will revert to being determined on a 12
dianggap menunjukkan peningkatan risiko months basis.
kredit yang signifikan, maka KKE dihitung
kembali berdasarkan basis 12 bulan.
32
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Peningkatan Risiko Kredit yang Significant Increase in Credit Risk
Signifikan (Stage 2) (Stage 2)
Jika aset keuangan mengalami peningkatan If a financial asset experiences a significant
risiko kredit yang signifikan (“SICR”) sejak increase in credit risk (“SICR”) since initial
pengakuan awal, kerugian kredit recognition, an expected credit loss
ekspektasian diakui atas kejadian gagal provision is recognized for default events
bayar yang mungkin terjadi sepanjang umur that may occur over the lifetime of the asset.
aset. Peningkatan signifikan dalam risiko Significant increase in credit risk is
kredit dinilai dengan membandingkan risiko assessed by comparing the risk of default of
gagal bayar atas eksposur pada tanggal an exposure at the reporting date to the risk
pelaporan dengan risiko gagal bayar saat of default at origination (after taking into
pengakuan awal (setelah memperhitungkan account the passage of time). Significant
perjalanan waktu dari akun tersebut). does not mean statistically significant nor is
Signifikan tidak berarti signifikan secara it assessed in the context of changes in
statistik, juga tidak dinilai dalam konteks ECL. Whether a change in the risk of default
perubahan dalam KKE. Perubahan atas is significant or not is assessed using a
risiko gagal bayar dinilai signifikan atau number of quantitative and qualitative
tidak, dinilai menggunakan sejumlah faktor factors, the weight of which depends on the
kuantitatif dan kualitatif, yang bobotnya type of product and counterparty. Financial
bergantung pada tipe produk dan pihak assets that are 30 days or more past due
lawan. Aset keuangan dengan tunggakan and not credit-impaired will always be
30 hari atau lebih dan tidak mengalami considered to have experienced a
penurunan nilai akan selalu dianggap telah significant increase in credit risk.
mengalami peningkatan risiko kredit yang
signifikan.
Eksposur yang Mengalami Penurunan Credit Impaired or Defaulted Exposures
Nilai Kredit atau Gagal Bayar (Stage 3) (Stage 3)
Aset hanya akan dianggap mengalami An asset is only considered credit impaired
penurunan nilai dan kerugian kredit and lifetime expected credit losses
ekspektasian sepanjang umurnya diakui, recognized, if there is observed objective
jika terdapat bukti objektif penurunan nilai evidence of impairment. These factors are
yang dapat diobservasi. Faktor-faktor yang similar to the indicators of objective
diobservasi ini serupa dengan indikator evidence of impairment under PSAK 409,
bukti objektif penurunan nilai pada PSAK which includes, amongst other factors,
409, termasuk antara lain aset gagal bayar assets in default or experiencing significant
atau mengalami kesulitan keuangan yang financial difficulty, or experiencing
signifikan, atau mengalami forbearance atas forbearance on impaired credit.
kredit yang mengalami penurunan nilai.
Aset keuangan yang mengalami penurunan Financial assets that are credit impaired or
nilai kredit atau gagal bayar merupakan in default represent those that are at least
aset yang setidaknya telah memiliki 90 days past due in respect of principal
tunggakan lebih dari 90 hari atas pokok and/or interest. Financial assets are also
dan/atau bunga. Aset keuangan juga considered to be credit impaired where the
dianggap mengalami penurunan nilai kredit debtors are unlikely to pay on the
dimana debitur kemungkinan besar tidak occurrence of one or more observable
akan membayar dengan terjadinya satu events that have a detrimental impact on
atau lebih kejadian yang teramati yang the estimated future cash flows of the
memiliki dampak menurunkan jumlah financial asset. Loss provisions against
estimasi arus kas masa depan dari aset credit impaired financial assets are
keuangan tersebut. Cadangan kerugian determined based on an assessment of the
penurunan nilai terhadap aset keuangan recoverable cash flows under a range of
yang mengalami penurunan nilai ditentukan scenarios, including the realization of any
berdasarkan penilaian terhadap arus kas collateral held where appropriate.
yang dapat dipulihkan berdasarkan
sejumlah skenario, termasuk realisasi
jaminan yang dimiliki jika memungkinkan.
33
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Aset Keuangan yang Direstrukturisasi Restructured Financial Assets
Jika ketentuan aset keuangan If the terms of the financial assets are
dinegosiasikan ulang atau dimodifikasi atau renegotiated or modified or the existing
aset keuangan yang ada diganti dengan financial assets are replaced with new ones
yang baru karena kesulitan keuangan due to the borrower’s financial difficulties,
peminjam, maka dilakukan penilaian an assessment is made whether recognition
apakah aset keuangan yang ada harus of existing financial assets must be
dihentikan pengakuannya dan kerugian derecognized and expected credit losses
kredit ekspektasian diukur sebagai berikut: measured as follows:
• Jika restrukturisasi tidak • If the restructuring does not result in
mengakibatkan penghentian the termination of recognition of
pengakuan aset yang ada, maka arus existing assets, then the estimated
kas yang diperkirakan yang timbul dari cash flows arising from the modified
aset keuangan yang dimodifikasi financial assets are included in the
dimasukkan dalam perhitungan calculation of cash shortages of
kekurangan kas dari aset yang ada; existing assets;
• Jika restrukturisasi akan menghasilkan • If the restructuring will result in a
penghentian pengakuan aset yang derecognition of the existing assets,
ada, maka nilai wajar aset baru the fair value of the new asset is
diperlakukan sebagai arus kas akhir treated as the final cash flow of the
dari aset keuangan yang ada pada existing financial assets at the time of
saat penghentian pengakuannya. derecognition. This amount is included
Jumlah ini dimasukkan dalam in the calculation of cash shortages
perhitungan kekurangan kas dari aset from existing financial assets which
keuangan yang ada yang are discounted from the date of
didiskontokan dari tanggal penghentian derecognition to the reporting date
pengakuan ke tanggal pelaporan using the initial effective interest rate
menggunakan suku bunga efektif awal of the existing financial assets.
dari aset keuangan yang ada.
Bukti bahwa aset keuangan mengalami Evidence that financial assets become
penurunan nilai kredit (memburuk) termasuk credit impaired (deteriorated) including
data yang dapat diobservasi mengenai observable data regarding the following
peristiwa berikut ini: events:
• Kesulitan keuangan signifikan yang • • Significant financial difficulties
dialami penerbit atau pihak peminjam; experienced by the issuer or the
borrower;
• Pelanggaran kontrak, seperti peristiwa • Breach of contract, such as a default or
gagal bayar atau peristiwa tunggakan; arrears;
• Pihak pemberi pinjaman, untuk alasan • The lender, for economic or contractual
ekonomik atau kontraktual sehubungan reasons in relation to the financial
dengan kesulitan keuangan yang difficulties experienced by the
dialami pihak peminjam, telah borrower, has given concessions to the
memberikan konsesi pada pihak borrower which is not possible if the
peminjam yang tidak mungkin borrower does not experience such
diberikan jika pihak peminjam tidak difficulties;
mengalami kesulitan tersebut;
• Terjadi kemungkinan bahwa pihak • It is probable that the borrower will
peminjam akan dinyatakan pailit atau enter bankruptcy or the other financial
melakukan reorganisasi keuangan reorganization; or
lainnya; atau
• Hilangnya pasar aktif dari aset • Loss of an active market for financial
keuangan akibat kesulitan keuangan; assets due to financial difficulties;
• Pembelian atau penerbitan aset • Purchase or issuance of financial asset
keuangan dengan diskon sangat besar at significant discount which reflect the
yang mencerminkan kerugian kredit credit loss that occurs.
yang terjadi.
34
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Aset Keuangan yang Dibeli atau yang Purchased or originated credit-impaired
berasal dari aset keuangan yang financial assets – POCI
mengalami penurunan nilai
Aset keuangan dikategorikan sebagai POCI Financial assets are categorized as POCI if
apabila terdapat bukti objektif penurunan there is objective evidence of impairment at
nilai pada saat pengakuan awal. Pada saat initial recognition. At initial recognition, no
pengakuan awal, tidak ada penyisihan allowance for credit losses is recognized
kerugian kredit yang diakui karena harga because the purchase price or value has
pembelian atau nilainya telah termasuk included lifetime estimated credit losses.
estimasi kerugian kredit sepanjang Furthermore, changes in lifetime credit
umurnya. Selanjutnya, perubahan kerugian losses, whether positive or negative, are
kredit sepanjang umurnya, apakah positif recognized in the statement of profit or loss
atau negatif, diakui dalam laporan laba rugi as part of the allowance for impairment
sebagai bagian dari cadangan kerugian losses.
penurunan nilai.
Penyajian Penyisihan Kerugian Kredit Presentation of Allowance for Expected
Ekspektasian Dalam Laporan Posisi Credit Losses in Statements of Financial
Keuangan Position
Penyisihan kerugian kredit ekspektasian Allowance for expected credit losses is
disajikan dalam laporan posisi keuangan presented in the statement of financial
sebagai berikut: positions as follows:
• Aset keuangan yang diukur pada biaya • • Financial assets measured at
perolehan diamortisasi, penyisihan amortized cost, allowance for expected
kerugian kredit ekspektasian disajikan credit losses is presented as a
sebagai pengurang dari jumlah tercatat deduction from the gross carrying
bruto aset; amount of the asset;
• Komitmen pinjaman dan kontrak • Loan commitments and financial
jaminan keuangan, penyisihan guarantee contracts, allowance for
kerugian kredit ekspektasian disajikan expected credit losses is presented as
sebagai provisi; a provision;
• Instrumen utang yang diukur pada nilai • Debt instruments measured at fair
wajar melalui penghasilan value through other comprehensive
komprehensif lain, penyisihan kerugian income, allowance for expected credit
kredit ekspektasian tidak diakui dalam losses are not recognized in the
laporan posisi keuangan karena jumlah statement of financial position because
tercatat dari aset-aset ini adalah nilai the carrying amounts of these assets
wajarnya. Namun demikian, penyisihan are at their fair values. However,
kerugian kredit ekspektasian allowance for expected credit losses is
diungkapkan dan diakui dalam disclosed and recognized in other
penghasilan komprehensif lain. comprehensive income.
Perhitungan penurunan nilai secara Individual impairment calculation
individual
Bank menetapkan pinjaman yang diberikan The Bank determines that loans should be
yang harus dievaluasi penurunan nilainya evaluated for impairment through individual
secara individual, jika memenuhi salah satu evaluation, if one of the following criterias
kriteria di bawah: are met:
• Kredit yang diberikan yang secara • • Loans which individually have
individual memiliki nilai signifikan; atau significant value; or
• Kredit yang diberikan yang • Restructured loans which individually
direstrukturisasi yang secara individual have significant value.
memiliki nilai signifikan.
35
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Bank menetapkan kredit yang diberikan The Bank determines that loans should be
yang harus dievaluasi penurunan nilainya evaluated for impairment through individual
secara individual jika kredit yang diberikan evaluation if loans are classified as Stage 3
diklasifikasikan sebagai Stage 3 dan and considered individually significant. The
dianggap signifikan secara individual. Bank Bank assesses ECL by estimating the
menghitung KKE dengan mengestimasi expected future cash flow from the loans.
arus kas ekspektasian dari kredit yang
diberikan.
Perhitungan penurunan nilai secara Collective impairment calculation
kolektif
Bank menetapkan kredit yang diberikan The Bank determines that loans should be
yang harus dievaluasi penurunan nilainya evaluated for impairment through individual
secara individual jika pinjaman yang evaluation if loans are classified as Stage 1,
diberikan diklasifikasikan sebagai Stage 1, Stage 2 and Stage 3 which are not
Stage 2 dan Stage 3 yang tidak dianggap considered collectively significant. The Bank
signifikan secara kolektif. Bank menghitung assesses ECL using collective approach
KKE menggunakan pendekatan kolektif with the risk parameter modelling that
dengan model parameter risiko yang incorporates a number of key parameters,
menggunakan beberapa parameter utama, including the Probability of Default (“PD”),
antara lain Probability of Default (“PD”), Loss Given Default (“LGD”), Exposure at
Loss Given Default (“LGD”), Exposure at Default (“EAD”), and discount rate after
Default (“EAD”), dan tingkat diskonto taking into consideration forward-looking
setelah memperhitungkan informasi information, including macroeconomic
perkiraan masa depan, termasuk faktor factors.
makroekonomi.
Bank menggunakan model yang kompleks The Bank primarily uses sophisticated
yang menggunakan matriks PD, LGD dan models that utilise the PD, LGD and EAD
EAD. metrics.
a. Probability of Default (”PD”) a. Probability of Default (“PD”)
Probabilitas yang timbul di suatu waktu The probability at a point in time that a
dimana debitur mengalami gagal bayar, counterparty will default, calibrated over
dikalibrasikan sampai dengan periode up to 12 months from the reporting date
12 bulan dari tanggal laporan (Stage 1) (Stage 1) or over the lifetime of the
atau sepanjang umur (Stage 2 dan 3) product (Stage 2 and 3) and
dan digabungkan pada dampak asumsi incorporated to the impact of forward-
ekonomi masa depan yang memiliki looking economic assumptions that
risiko kredit. PD diestimasikan pada have an effect on credit risk. PD is
point in time di mana hal ini berfluktuasi estimated at a point in time that means
sejalan dengan siklus ekonomi. it will fluctuate in line with the economic
cycle.
b. Loss Given Default (”LGD”) b. Loss Given Default (“LGD”)
Kerugian yang diperkirakan akan timbul The loss that is expected to arise on
dari debitur yang mengalami gagal bayar default, incorporating the impact of
dengan menggabungkan dampak dari relevant forward looking economic
asumsi ekonomi masa depan yang assumptions (if any), which represents
relevan (jika ada) di mana hal ini the difference between the contractual
mewakili perbedaan antara arus kas cash flows due and those that the Bank
kontraktual yang akan jatuh tempo expects to receive. The Bank estimates
dengan arus kas yang diharapkan untuk LGD based on the historical recovery
diterima. Bank mengestimasikan LGD rates and considers the recovery of any
berdasarkan data historis dari tingkat collateral that is integral to the financial
pemulihan dan memperhitungkan assets, taking into account forward
pemulihan yang berasal dari jaminan looking economic assumptions if
terhadap aset keuangan, dengan relevant.
mempertimbangkan asumsi ekonomi di
masa depan jika relevan.
36
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
c. Exposure at Default (”EAD”) c. Exposure at Default (“EAD”)
Perkiraan nilai eksposur neraca pada The expected balance sheet exposure
saat gagal bayar dengan at the time of default, taking into
mempertimbangkan bahwa perubahan account that expected change in
ekspektasi yang diharapkan selama exposure over the lifetime of the
masa eksposur. Hal ini menggabungkan exposure. This incorporates the impact
dampak penarikan fasilitas yang of drawdowns of committed facilities,
committed, pembayaran pokok dan repayments of principal and interest,
bunga, amortisasi dan pembayaran amortization and early payments,
dipercepat, bersama dengan dampak together with the impact of forward-
asumsi ekonomi masa depan jika looking economic assumptions if
relevan. relevant.
Dalam menentukan kerugian kredit To determine the expected credit loss,
ekspektasian komponen-komponen ini akan these components are multiplied together
diperhitungkan secara bersama-sama dan and discounted to the balance sheet date
didiskontokan ke tanggal laporan keuangan using the effective interest rate as the
menggunakan diskonto berdasarkan suku discount rate.
bunga efektif.
Penerimaan kembali atas aset keuangan Recoveries of written-off financial assets
yang telah dihapusbukukan
Ketika kredit yang diberikan tidak tertagih, When a loan is uncollectible, it is written-off
kredit yang diberikan tersebut dihapusbuku against the related allowance for impairment
dengan menjurnal balik cadangan kerugian loss. Such loans are written off after all the
penurunan nilai. Kredit yang diberikan necessary procedures have been
tersebut dihapusbuku setelah semua completed and the amount of the loss has
prosedur yang diperlukan telah dilakukan been determined.
dan jumlah kerugian telah ditentukan.
Penerimaan kembali atas aset keuangan The recoveries of written-off financial assets
yang telah dihapusbukukan pada tahun in the current year are credited by adjusting
berjalan dikreditkan dengan menyesuaikan the allowance for impairment losses
akun cadangan kerugian penurunan nilai. accounts. Recoveries of written-off financial
Penerimaan kembali atas aset keuangan assets from previous years are recorded as
yang telah dihapusbukukan pada tahun operational income other than interest
sebelumnya dicatat sebagai pendapatan income.
operasional selain pendapatan bunga.
ii. Penurunan nilai aset non-keuangan ii. Impairment of non-financial assets
Nilai tercatat dari aset yang bukan aset The carrying amounts of the Bank’s non-
keuangan Bank, kecuali aset pajak financial assets, other than deferred tax
tangguhan, ditelaah setiap tanggal assets, are reviewed at each reporting date
pelaporan untuk menentukan apakah to determine whether there is any indication
terdapat indikasi penurunan nilai. Jika of impairment. If any such indication exists
indikasi tersebut ada, maka nilai yang dapat then the asset’s recoverable amount will be
dipulihkan dari aset tersebut akan estimated.
diestimasi.
Nilai yang dapat diperoleh kembali dari The recoverable amount of an asset or a
suatu aset atau unit penghasil kas adalah cash-generating unit is the higher of its
sebesar jumlah yang lebih tinggi antara nilai value in use and its fair value less costs to
pakainya dan nilai wajar aset atau unit sell. In assessing value in use, the
penghasil kas dikurangi biaya untuk estimated future cash flows are discounted
menjual. Dalam menilai nilai pakai, estimasi to their present value using a pre-tax
arus kas masa depan didiskontokan ke nilai discount rate that reflects current market
sekarang dengan menggunakan tingkat assessments of the present value of money
37
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
diskonto sebelum pajak yang and the risks specific to the asset.
mencerminkan penilaian pasar saat ini
terhadap nilai kas kini dan risiko spesifik
terhadap aset tersebut.
Cadangan penurunan nilai diakui pada Allowance for impairment loss recognized in
tahun sebelumnya dinilai pada setiap prior year is assessed at each reporting
tanggal pelaporan untuk melihat adanya date for any indications that the loss has
indikasi bahwa kerugian telah menurun atau decreased or no longer exists. An
tidak ada lagi. Kerugian penurunan nilai impairment loss is reversed if there has
dijurnal balik jika terdapat perubahan been a change in the estimates used to
estimasi yang digunakan dalam determine the recoverable amount.
menentukan nilai yang dapat dipulihkan.
Cadangan kerugian penurunan nilai dijurnal Allowance for impairment losses is reversed
balik hanya hingga nilai tercatat aset tidak only to the extent that the asset’s carrying
melebihi nilai tercatat yang telah ditentukan, amount does not exceed the carrying
dikurangi dengan depresiasi atau amount that would have been determined,
amortisasi, jika cadangan penurunan nilai net of depreciation or amortization, if no
tidak pernah diakui. impairment loss had been recognized.
Bank tidak diwajibkan lagi untuk The Bank is not required to provide an
membentuk cadangan kerugian penurunan allowance for impairment losses for non-
nilai untuk aset non produktif, namun Bank productive assets, but the Bank should still
tetap harus menghitung cadangan kerugian calculate the impairment losses in
penurunan nilai mengacu pada standar accordance with the applicable accounting
akuntansi yang berlaku. standards.
2.l. Aset tetap, aset hak-guna dan liabilitas 2.l. Fixed assets, right-of-use assets and lease
sewa liabilities
Aset Tetap Fixed assets
Aset tetap, kecuali tanah dan bangunan, Fixed assets, except land and buildings, are
dinyatakan sebesar biaya perolehan dikurangi stated at cost less accumulated depreciation
akumulasi penyusutan dan rugi penurunan and impairment losses. If the recognition
nilai. Biaya perolehan termasuk biaya criteria are met, the acquisition cost will include
penggantian bagian aset tetap saat biaya the cost of replacing part of the fixed assets
tersebut terjadi, jika memenuhi kriteria when that cost is incurred. Acquisition costs of
pengakuan. Biaya perolehan aset tetap diakui fixed assets is recognized as asset if, and only
sebagai aset jika dan hanya jika besar if it is probable that future economic benefits
kemungkinan manfaat ekonomis di masa associated with the item will flow to the entity
depan berkenaan dengan aset tersebut and the cost of the item can be measured
mengalir ke entitas dan biaya perolehan aset reliably.
dapat diukur secara andal.
Beban pemeliharaan dan perbaikan The cost of maintenance and repairs are
dibebankan pada laba rugi pada saat charged to profit or loss as incurred. Other
terjadinya. Biaya-biaya lain yang terjadi costs incurred subsequently to add to, replace
selanjutnya yang timbul untuk menambah, part of or service an item of asset is recorded
mengganti atau memperbaiki aset dicatat as acquisition of asset if, and only if it is
sebagai biaya perolehan aset jika dan hanya probable that future economic benefits
jika besar kemungkinan manfaat ekonomis di associated with the item will flow to the entity
masa depan berkenaan dengan aset tersebut and the cost of the item can be measured
mengalir ke entitas dan biaya perolehan aset reliably.
dapat diukur secara andal.
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Aset tetap, kecuali tanah, disusutkan dengan Depreciation of fixed assets, except for land, is
menggunakan metode garis lurus (straight-line computed using the straight-line method for
method) untuk seluruh aset tetap selama umur fixed assets over the estimated useful life of the
manfaat aset tetap yang diestimasi sebagai assets, as follows:
berikut:
Tahun/Years
Renovasi bangunan atau instalasi 1-10 Building renovations or installations
Kendaraan 5 Vehicles
Peralatan kantor 1-10 Office equipment
Masa manfaat ekonomis, nilai residu dan The estimated useful life, residual values and
metode penyusutan direviu setiap akhir periode depreciation method are reviewed at each
dan pengaruh dari setiap perubahan estimasi period end and the effect of any changes in
tersebut berlaku prospektif. estimating for on a prospective basis.
Bank menetapkan nilai residu nihil untuk Bank has determined residual value to be nil for
perhitungan penyusutan semua aset tetap. the calculation of depreciation for all fixed
assets.
Biaya pengurusan legal hak atas tanah dalam The legal cost of land rights in the form of
bentuk Hak Guna Bangunan (HGB) yang Building Usage Rights (HGB) incurred when the
dikeluarkan ketika tanah diperoleh pertama kali land was acquired initially are recognized as
diakui sebagai bagian dari biaya perolehan part of the cost of the land under “Fixed Assets”
tanah pada akun “Aset Tetap” dan tidak account and not amortized.
diamortisasi.
Biaya pengurusan perpanjangan atau The legal cost incurred to extend or renew the
pembaruan legal hak atas tanah diakui sebagai land rights are recorded as intangible assets
aset takberwujud dan diamortisasi sepanjang and amortized over the shorter of the rights’
umur hukum hak atau umur ekonomis tanah, legal life or land’s economic life.
mana yang lebih pendek.
Jumlah tercatat aset tetap dihentikan An item of fixed assets is derecognized upon
pengakuannya pada saat dilepaskan atau saat disposal or when no future economic benefits
tidak ada manfaat ekonomis masa depan yang are expected from its use or disposal. Any gain
diharapkan dari penggunaan atau or loss arising on derecognition of the asset
pelepasannya. Laba atau rugi yang timbul dari (calculated as the difference between the net
penghentian pengakuan aset (dihitung sebagai disposal proceeds and the carrying amount of
perbedaan antara jumlah neto hasil pelepasan the asset) is included in the profit or loss in the
dan nilai tercatat dari aset) dimasukkan dalam year the asset is derecognized.
laba rugi pada tahun aset tersebut dihentikan
pengakuannya.
Aset hak-guna dan liabilitas sewa Right-of-use assets and lease liabilities
Pada tanggal permulaan kontrak, Bank menilai At the inception of a contract, the Bank
apakah kontrak merupakan atau mengandung assesses whether the contract is or contains a
sewa. Suatu kontrak merupakan atau lease. A contract is or contains a lease if the
mengandung sewa jika kontrak tersebut contract carries the right to control the use of an
memberikan hak untuk mengendalikan identified assets for a period of time in
penggunaan aset identifikasian selama suatu exchange for consideration. The Bank can
jangka waktu untuk dipertukarkan dengan choose not to recognise the right-of-use asset
imbalan. Bank dapat memilih untuk tidak and lease liabilities for:
mengakui aset hak-guna dan liabilitas sewa
untuk:
39
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
• Sewa dengan jangka waktu kurang atau • • Leases with a term of less or equal to
sama dengan 12 bulan dan tidak terdapat 12 months and there is no call option;
opsi beli;
• Sewa atas aset dengan nilai rendah. • Leases of low value assets.
Untuk menilai apakah kontrak memberikan hak To assess whether a contract carries the right
untuk mengendalikan penggunaan aset to control the use of an identified asset, the
identifikasian, Bank harus menilai apakah: Bank shall assess whether:
• Bank memiliki hak untuk mengoperasikan •• The Bank has the right to operate the
aset; dan assets; and
• Bank telah mendesain aset dengan cara • The Bank has designed the assets in a
menetapkan sebelumnya bagaimana dan way that predetermine how and for what
untuk tujuan apa aset akan digunakan purpose it will be used.
selama periode penggunaan.
Bank mengakui liabilitas sewa sebesar jumlah The Bank recognized lease liabilities at the
pembayaran sewa yang masih harus dibayar amount of lease payments accrued to the end
hingga akhir masa sewa yang didiskontokan of the lease term which discounted using the
dengan menggunakan suku bunga pinjaman incremental borrowing rate. While, the right-of-
inkremental. Sedangkan aset-hak guna use assets includes the amount of lease
mencakup jumlah liabilitas sewa yang diakui, liabilities recognized, initial direct costs paid,
biaya langsung awal yang dibayarkan, biaya restoration costs and lease payments on or
pemulihan dan pembayaran sewa yang before the start date of the lease, less lease
dilakukan pada atau sebelum tanggal mulai incentives received. Right-of-use are
sewa, dikurangi insentif sewa yang diterima. depreciated using the straight-line method over
Aset hak-guna disusutkan dengan metode the shorter period between the lease term and
garis lurus selama jangka waktu yang lebih the estimated useful life of the asset.
pendek antara masa sewa dengan estimasi
masa manfaat aset.
Jika kepemilikan aset sewa dialihkan ke Bank If the ownership of lease asset is transferred to
pada akhir masa sewa atau pembayaran sewa the Bank at the end of the lease term or the
mencerminkan pelaksanaan opsi pembelian, lease payments reflect the exercise of the
penyusutan dihitung menggunakan estimasi purchase option, depreciation is calculated
masa manfaat ekonomis aset. Aset hak-guna using the estimated useful life of the assets.
diuji penurunan nilainya sesuai dengan Right-of-use assets are tested for impairment in
PSAK 236 tentang “Penurunan Nilai Aset”. accordance with PSAK 236 regarding
“Impairment of Assets”.
Pada tanggal dimulainya sewa, Bank mengakui On the initial lease date, the Bank recognized
liabilitas sewa yang diukur pada nilai kini dari lease liabilities which measured at the present
pembayaran sewa masa depan yang akan value of future lease payments that will be paid
dibayarkan selama masa sewa. Pembayaran over the lease term. Lease payments include
sewa termasuk pembayaran tetap (termasuk fixed payments (including substantially fixed
pembayaran tetap secara substansi), dikurangi payments), less lease incentive receivables,
piutang insentif sewa, pembayaran sewa variable lease payments that depends on index
variabel yang bergantung pada indeks atau or interest rate, and the expected amount to be
suku bunga, dan jumlah yang diharapkan akan paid in a residual value guarantee. Lease
dibayar dalam jaminan nilai residu. payments also include the reasonable exercise
Pembayaran sewa juga termasuk harga price for the purchase option if it is determined
eksekusi opsi pembelian yang wajar jika to be made by the Bank and the payment of a
dipastikan akan dilakukan oleh Bank dan penalty to terminate the lease, if the lease term
pembayaran penalti untuk mengakhiri sewa, reflects the Bank exercising the lease
jika jangka waktu sewa mencerminkan Bank termination option. Variable lease payments
mengeksekusi opsi penghentian sewa. that are not depends on an index or interest
Pembayaran sewa variabel yang tidak rate are recognized as an expense in the
bergantung pada indeks atau suku bunga period in which the event or condition that
40
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
diakui sebagai beban pada periode di mana triggers the payment occurs.
peristiwa atau kondisi yang memicu
pembayaran terjadi.
Dalam menghitung nilai kini dari pembayaran In calculating the present value of lease
sewa, Bank menggunakan suku bunga payments, the Bank uses the lessee
pinjaman inkremental penyewa pada tanggal incremental borrowing rate at the inception date
dimulainya sewa karena suku bunga implisit of the lease since the interest rate implicit in the
dalam sewa tidak dapat ditentukan. Setelah lease cannot be determined. After the inception
tanggal dimulainya sewa, jumlah liabilitas sewa date of the lease, the amount of the lease
ditingkatkan untuk mencerminkan pertambahan liability is increased to reflect the interest
bunga dan dikurangi pembayaran sewa yang increase and less lease payments made.
dilakukan. Selain itu, jumlah tercatat liabilitas Furthermore, the lease liabilities carrying
sewa diukur kembali jika terdapat modifikasi, amount is remeasured if there are
perubahan jangka waktu sewa, perubahan modifications, changes in term of the lease,
pembayaran sewa, atau perubahan dalam lease payments, or the valuation of the option
penilaian opsi untuk membeli aset pendasar. to purchase the underlying asset.
Sewa jangka pendek (dengan jangka waktu Short-term leases (with term of less or equal to
kurang atau sama dengan 12 bulan) dan sewa 12 months) and leases of low-value assets, and
aset bernilai rendah, serta elemen-elemen elements of those leases, partially or entirely
sewa tersebut, sebagian atau seluruhnya tidak not applying the recognition principles
menerapkan prinsip-prinsip pengakuan yang stipulated by PSAK 116 will be treated the
ditentukan oleh PSAK 116 akan diperlakukan same as operating leases in PSAK 30. The
sama dengan sewa operasi pada PSAK 30. Bank will recognize these lease payments on a
Bank akan mengakui pembayaran dengan straight-line basis during the lease period on
dasar garis lurus selama masa sewa dalam the statement of the profit or loss and other
laporan laba rugi dan penghasilan comprehensive income. This expense is
komprehensif lain. Beban ini dicatat pada recorded under general and administrative
beban umum dan administrasi dalam laba rugi. expenses in profit or loss.
Penerapan pencatatan PSAK 116 berlaku The recording implementation of PSAK 116 is
untuk seluruh sewa (kecuali sebagaimana yang applied for all leases (except as stated earlier),
disebutkan sebelumnya), yaitu sebagai berikut: as follows:
a. Menyajikan aset hak-guna sebagai bagian a. Presents right-of-use assets as part of fixed
dari aset tetap dan liabilitas sewa disajikan assets and lease liabilities presented as
sebagai bagian dari liabilitas lain-lain part of other liabilities in the statement of
dalam laporan posisi keuangan, yang financial position which measured at the
diukur pada nilai kini dari pembayaran present value of the future lease payments;
sewa masa depan;
b. Mencatat penyusutan aset hak-guna dan b. Records depreciation of right-of-use assets
bunga atas liabilitas sewa dalam laba rugi; and interest on lease liabilities in the profit
dan or loss; and
c. Memisahkan jumlah total pembayaran ke c. Separates the total amount of cash paid
bagian pokok (disajikan dalam kegiatan within operating activities) in the statement
pendanaan) dan bunga (disajikan dalam of cash flows.
kegiatan operasional) dalam laporan arus
kas.
2.m. Aset takberwujud 2.m. Intangible assets
Aset takberwujud terdiri dari perangkat lunak Intangible assets consist of software acquired
yang dibeli Bank. by the Bank.
Perangkat lunak yang dibeli oleh Bank dicatat Software acquired by the Bank is stated at cost
sebesar biaya perolehan dikurangi akumulasi less accumulated amortization and
amortisasi dan akumulasi kerugian penurunan accumulated impairment losses.
nilai.
41
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pengeluaran selanjutnya untuk perangkat Subsequent expenditure on software is
lunak akan dikapitalisasi hanya jika capitalized only when it increases the future
pengeluaran tersebut menambah manfaat economic benefits embodied in the specific
ekonomis aset yang bersangkutan di masa asset to which it relates. All other expenditures
mendatang. Semua pengeluaran lainnya are expensed as incurred.
dibebankan pada saat terjadinya.
Aset takberwujud dihentikan pengakuannya An intangible asset is derecognized on disposal
jika dilepas atau ketika tidak terdapat lagi or when there is no future economic benefits
manfaat ekonomi masa depan yang are expected from its use or disposal.
diperkirakan dari penggunaan atau
pelepasannya.
Amortisasi diakui dalam laba rugi dengan Amortization is recognized in profit or loss on a
menggunakan metode garis lurus sepanjang straight-line method over the estimated useful
masa manfaat dari perangkat lunak tersebut, life of the software, from the date it is available
dari tanggal perangkat lunak tersebut tersedia for use. The estimated useful life of software is
untuk dipakai. Estimasi masa manfaat dari five until ten years.
perangkat lunak adalah lima hingga sepuluh
tahun.
Metode amortisasi, estimasi masa manfaat dan Amortization method, the estimate of useful life
nilai residual ditelaah pada setiap akhir tahun and residual values are reviewed at each
pelaporan dan disesuaikan jika dianggap tepat. financial year-end and adjusted if appropriate.
2.n. Biaya dibayar di muka 2.n. Prepaid expenses
Biaya dibayar di muka diamortisasi selama Prepaid expenses are amortized over their
masa manfaat masing-masing biaya dengan beneficial periods using the straight-line
menggunakan metode garis lurus. method.
2.o. Aset lain-lain 2.o. Other assets
Terdiri dari aset yang tidak material yang tidak Represent immaterial assets that cannot be
dapat digolongkan dalam pos-pos sebelumnya. classified under the above accounts. Other
Aset lain-lain dinyatakan sebesar nilai tercatat, assets are stated at carrying amount, which is
yaitu harga perolehan setelah dikurangi cost less accumulated amortization, allowance
dengan akumulasi amortisasi, penurunan nilai for impairment losses or possible losses.
atau cadangan kerugian.
2.p. Liabilitas segera 2.p. Obligations due immediately
Liabilitas segera merupakan liabilitas Bank Obligations due immediately represent the
kepada pihak lain yang sifatnya wajib segera Bank’s liabilities to beneficiaries that are
dibayarkan sesuai dengan perintah pemberi payable immediately in accordance with the
amanat atau perjanjian yang ditetapkan demand from the beneficiaries or as agreed
sebelumnya. Liabilitas segera dinyatakan upon by the Bank’s and the beneficiaries.
sebesar nilai liabilitas Bank kepada pemberi Obligations due immediately are stated at
amanat. outstanding payables to the beneficiaries.
2.q. Simpanan dari nasabah dan simpanan dari 2.q. Deposits from customer and deposits from
bank other banks
Simpanan dari nasabah dan simpanan dari Deposits from customers and deposits from
bank lain pada awalnya diukur pada nilai wajar other banks are initially measured at fair value
ditambah biaya transaksi yang dapat plus directly attributable transaction costs and
diatribusikan secara langsung dan setelah subsequently measured at their amortized cost
pengakuan awal diukur pada biaya perolehan using the effective interest method.
diamortisasi dengan menggunakan metode
suku bunga efektif.
42
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2.r. Pendapatan dan beban bunga 2.r. Interest income and expense
Pendapatan dan beban bunga diakui dalam Interest income and expenses are recognized
laba rugi dengan menggunakan metode suku in the profit or loss using the effective interest
bunga efektif. Suku bunga efektif adalah suku rate method. The effective interest rate is the
bunga yang secara tepat mendiskontokan rate that exactly discounts the estimated future
estimasi pembayaran dan penerimaan kas di cash payments and receipts through the
masa datang selama perkiraan umur dari aset expected life of the financial asset or financial
keuangan atau liabilitas keuangan (atau, jika liability (or, where appropriate, a shorter period)
lebih tepat, digunakan periode yang lebih to the carrying amount of the financial asset or
singkat) untuk memperoleh nilai tercatat dari financial liability. When calculating the effective
aset keuangan atau liabilitas keuangan. Pada interest rate, the Bank estimates future cash
saat menghitung suku bunga efektif, Bank flows considering all contractual terms of the
mengestimasi arus kas di masa datang dengan financial instrument but not future credit losses.
mempertimbangkan seluruh persyaratan
kontraktual dalam instrumen keuangan
tersebut, tetapi tidak mempertimbangkan
kerugian kredit di masa mendatang.
Perhitungan suku bunga efektif mencakup The calculation of the effective interest rate
biaya transaksi (Catatan 2c) dan seluruh includes transaction costs (Note 2c) and all
imbalan/provisi dan bentuk lain yang fees and points paid or received that are an
dibayarkan atau diterima yang merupakan integral part of the effective interest rate.
bagian tak terpisahkan dari suku bunga efektif.
Pendapatan dan beban bunga yang disajikan Interest income and expenses presented in the
di dalam laba rugi meliputi: profit or loss include:
a. Pendapatan dan beban bunga atas aset a. Interest income and expense on financial
keuangan yang diukur pada nilai wajar assets measured at fair value through
melalui penghasilan komprehensif lain other comprehensive income as well as
serta aset keuangan dan liabilitas financial assets and financial liabilities
keuangan yang dicatat berdasarkan biaya recorded at amortized cost are recognized
perolehan diamortisasi, diakui pada laba in the profit or loss using the effective
rugi dengan menggunakan metode suku interest method.
bunga efektif.
Jumlah tercatat bruto aset keuangan The gross carrying amount of a financial
adalah biaya perolehan diamortisasi aset asset is the amortized cost of a financial
keuangan sebelum disesuaikan dengan asset before adjusting for allowance for
cadangan penurunan nilai. impairment.
Dalam menghitung pendapatan dan beban In calculating interest income and
bunga, tingkat bunga efektif diterapkan expenses, the effective interest rate is
pada jumlah tercatat bruto aset (ketika applied to the gross carrying amount of an
aset tersebut bukan aset keuangan asset (when the asset is not a deteriorated
memburuk) atau terhadap biaya perolehan financial asset) or to the amortized cost of a
diamortisasi dari liabilitas. liability.
Untuk aset keuangan yang memburuk For financial assets that deteriorated after
setelah pengakuan awal, pendapatan initial recognition, interest income is
bunga dihitung dengan menerapkan calculated by applying an effective interest
tingkat bunga efektif terhadap biaya rate to the amortized cost of the financial
perolehan diamortisasi dari aset keuangan assets. If the asset no longer deteriorates,
tersebut. Jika aset tersebut tidak lagi the calculation of interest income will be
memburuk, maka perhitungan pendapatan calculated by applying an effective interest
bunga akan dihitung dengan menerapkan rate to the gross carrying amount of the
tingkat bunga efektif terhadap nilai tercatat financial asset.
bruto dari aset keuangan tersebut.
43
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Untuk aset keuangan yang telah For financial assets that have deteriorated
memburuk pada saat pengakuan awal, at initial recognition, interest income is
pendapatan bunga dihitung dengan calculated by applying the effective interest
menerapkan tingkat bunga efektif rate to the amortized cost of the financial
terhadap biaya perolehan diamortisasi dari assets. If the asset no longer deteriorates,
aset keuangan tersebut. Jika aset tersebut the calculation of interest income will still be
tidak lagi memburuk, maka perhitungan calculated by applying the effective interest
pendapatan bunga akan tetap dihitung rate to the amortized cost of the financial
dengan menerapkan tingkat bunga efektif asset.
terhadap biaya perolehan diamortisasi dari
aset keuangan tersebut.
b. Keuntungan dan kerugian yang timbul dari b. Gains and losses arising from changes in
perubahan nilai wajar atas aset keuangan the fair value of fair value through other
yang diklasifikasikan dalam kelompok nilai comprehensive income financial assets
wajar melalui penghasilan komprehensif other than foreign exchange gains or
lain diakui secara langsung dalam laporan losses on debt instrument are recognized
laba rugi komprehensif (merupakan bagian directly in other comprehensive income (as
dari ekuitas) sampai aset keuangan part of equity), until the financial asset is
tersebut dihentikan pengakuannya atau derecognized or impaired, except gain or
adanya penurunan nilai, kecuali loss arising from changes in exchanges
keuntungan atau kerugian akibat rate for debt instrument.
perubahan nilai tukar untuk instrumen
utang.
2.s. Provisi dan komisi 2.s. Fees and commissions
Pendapatan dan beban provisi dan komisi yang Fees and commission income and expenses
signifikan dan merupakan bagian tak that are significant and integral to the effective
terpisahkan dari suku bunga efektif atas aset interest rate on financial assets or financial
keuangan atau liabilitas keuangan dimasukkan liabilities are included in the measurement of
ke dalam perhitungan suku bunga efektif. the effective interest rate.
Pendapatan provisi dan komisi lainnya Other fees and commission income, including
termasuk provisi yang terkait dengan kegiatan credit related fees, export-import related fees,
perkreditan, kegiatan ekspor-impor, provisi syndication lead arranger fees, and provision
sebagai pengatur sindikasi dan provisi atas for services are recognized when the related
jasa diakui pada saat jasa tersebut dilakukan. services are performed.
Beban provisi dan komisi lainnya sehubungan Other fees and commission expense related
dengan transaksi antar bank diakui sebagai mainly to inter-bank transaction fees which are
beban pada saat jasa tersebut diterima. expensed as the service are received.
Apabila pinjaman diselesaikan sebelum jatuh The outstanding balances of unamortized fees
tempo, maka saldo pendapatan provisi dan and commissions on loans terminated or settled
komisi yang belum diamortisasi diakui pada prior to maturity are recognized as income upon
saat pinjaman diselesaikan. settlement.
2.t. Liabilitas imbalan pasca-kerja 2.t. Post-employment benefits liability
Imbalan pasca-kerja dicadangkan dan diakui The post-employment benefits are accrued and
sebagai biaya ketika jasa telah diberikan oleh recognized as expenses when services have
pegawai yang menjadi peserta program been rendered by qualified employees. The
pensiun Bank. Imbalan kerja ditentukan benefits are determined based on the Bank’s
berdasarkan peraturan Bank dan persyaratan regulations and the minimum requirements of
minimum Undang-undang No. 11/2020 tentang Law No.11/2020 on Job Creation (the “Job
Cipta Kerja (“Undang-Undang Cipta Kerja”) Creation Law”) as amended by Perpu
sebagaimana telah diamendemen dengan No.2/2022 and Law No.6/2023 or the Bank’s
Perpu No.2/2022 dan UU No.6/2023 atau Collective Labour Agreement (the “CLA”) or
44
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Perjanjian Kerja Bersama (“PKB”) atau Company Regulation (“CR”), whichever is
Peraturan Perusahaan (“PP”), mana yang lebih higher. Since the Job Creation Law or Labour
tinggi. Karena UU Cipta Kerja atau UU Law or the CLA or the CR sets the formula for
Ketenagakerjaan atau PKB atau PP determining the minimum amount of benefits, in
menentukan rumus tertentu untuk menghitung substance pension plans under the Job
jumlah minimal imbalan pensiun, pada Creation Law or Labour Law or the CLA or the
dasarnya, program pensiun berdasarkan UU CR represent defined benefit plans.
Cipta Kerja atau UU Ketenagakerjaan atau
PKB atau PP adalah program imbalan pasti.
Liabilitas imbalan pasca-kerja dihitung sebesar Post-employment benefits liability is calculated
nilai kini dari estimasi jumlah liabilitas imbalan at present value of estimated future benefits
pasca-kerja di masa depan yang timbul dari that the employees have earned in return for
jasa yang telah diberikan oleh karyawan pada their services in the current and past periods,
masa kini dan masa lalu, dikurangi dengan nilai deducted by plan assets, if any. Calculation is
wajar aset program, jika ada. Perhitungan performed by an independent actuary using the
dilakukan oleh aktuaris independen dengan projected-unit credit method.
metode projected-unit credit.
Nilai kini liabilitas imbalan pasti ditentukan The present value of the defined benefit
dengan mendiskontokan estimasi arus kas obligation is determined by discounting the
keluar masa depan dengan menggunakan estimated future cash outflows using interest
tingkat bunga obligasi pemerintah berkualitas rates of high quality government bonds that are
tinggi dalam mata uang yang sama dengan denominated in the currency in which the
mata uang imbalan yang akan dibayarkan dan benefits will be paid and have terms to maturity
waktu jatuh tempo yang kurang lebih sama approximately the same as the terms of the
dengan waktu jatuh tempo imbalan yang related pension liability.
bersangkutan.
Seluruh biaya jasa lalu diakui pada saat yang All past service costs are recognized at the
lebih dulu antara ketika amendemen/ earlier of the occurrence of amendment/
kurtailmen terjadi atau ketika biaya curtailment and the recognition of related
restrukturisasi atau pemutusan hubungan kerja restructuring or termination costs. As a result,
diakui. Sebagai akibatnya, biaya jasa lalu yang unvested past service costs can no longer be
belum vested tidak lagi dapat ditangguhkan deferred and recognized over the future vesting
dan diakui selama periode vesting masa period.
depan.
Bunga neto atas imbalan pasti neto merupakan Net interest of the net defined benefit liabilities
komponen pendapatan bunga dari aset is the interest income component of plan
program, biaya bunga atas liabilitas imbalan assets, interest expense of defined benefit
pasti dan bunga atas dampak batas atas dari obligation and interest of the effect of asset
aset. ceiling.
Pengukuran kembali liabilitas imbalan pasti Remeasurement of the net defined benefit
neto terdiri atas: obligation consists of:
• Keuntungan dan kerugian aktuarial; • Actuarial gains and losses;
• Imbal hasil atas aset program, tidak • Return on plan assets, excluding amount
termasuk jumlah yang dimasukan dalam included in net interest of the net defined
bunga neto atas liabilitas imbalan pasti benefit obligation;
neto;
• Setiap perubahan dampak batas atas aset, • Any changes in effect of the asset ceiling,
tidak termasuk jumlah yang dimasukkan excluding amount included in net interest
dalam bunga neto atas liabilitas imbalan of the net defined benefit obligation.
pasti neto.
45
Page 618
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Imbalan jangka panjang lainnya Other long-term benefits
Imbalan jangka panjang lainnya seperti cuti Other long-term employee benefits such as
berimbalan jangka panjang, imbalan cacat long service leave, permanent disability
permanen, dan penghargaan jubilee dihitung benefits, and jubilee awards are calculated
dengan menggunakan metode projected unit using the projected unit credit method and
credit dan didiskontokan ke nilai kini. discounted to present value. Actuarial gains
Keuntungan dan kerugian aktuarial yang timbul and losses arising from experience adjustment
dari penyesuaian dan perubahan dalam and charge in actuarial assumption are
asumsi-asumsi aktuarial diakui dalam laba rugi. recognised to profit or loss.
Pesangon pemutusan hubungan kerja Termination benefits
Pesangon pemutusan hubungan kerja terutang Termination benefits are payable whenever an
ketika karyawan dihentikan kontrak kerjanya employee’s employment is terminated before
sebelum usia pensiun normal. Bank mengakui the normal retirement date. The Bank
pesangon pemutusan hubungan kerja ketika recognizes termination benefits when it is
menunjukkan komitmennya untuk memutuskan demonstrably committed to terminate the
hubungan kerja dengan karyawan berdasarkan employment of current employees according to
suatu rencana formal terperinci yang kecil a detailed formal plan with low possibility of
kemungkinannya untuk dibatalkan. Pesangon withdrawal. Benefits which will be paid more
yang akan dibayarkan dalam waktu lebih dari than 12 months after the statement of financial
12 bulan setelah tanggal laporan posisi position’s date are discounted to reflect its
keuangan didiskontokan untuk mencerminkan present value.
nilai kini.
2.u. Perpajakan 2.u. Taxation
Beban pajak adalah jumlah gabungan pajak Tax expense is the aggregate amount included
kini dan pajak tangguhan yang diperhitungkan in the determination of profit or loss for the year
dalam menentukan laba rugi pada suatu tahun. in respect of current tax and deferred tax.
Pajak kini dan pajak tangguhan diakui dalam Current tax and deferred tax is recognized in
laba rugi, kecuali pajak penghasilan yang profit or loss, except for income tax arising from
timbul dari transaksi atau peristiwa yang diakui transactions or events that are recognized in
dalam penghasilan komprehensif lain atau other comprehensive income or directly in
secara langsung di ekuitas. Dalam hal ini, equity. In this case, the tax is recognized in
pajak tersebut masing-masing diakui dalam other comprehensive income or equity,
penghasilan komprehensif lain atau ekuitas. respectively.
Jumlah pajak kini untuk tahun berjalan dan Current tax for current and prior years shall, to
tahun sebelumnya yang belum dibayar diakui the extent unpaid, be recognized as a liability. If
sebagai liabilitas. Jika jumlah pajak yang telah the amount already paid in respect of current
dibayar untuk tahun berjalan dan periode- and prior years exceeds the amount due for
periode sebelumnya melebihi jumlah pajak those years, the excess shall be recognized as
yang terutang untuk tahun tersebut, maka an asset.
kelebihannya diakui sebagai aset.
Liabilitas (aset) pajak kini untuk tahun berjalan Current tax liabilities (assets) for the current
dan tahun sebelumnya diukur sebesar jumlah and prior years shall be measured at the
yang diperkirakan akan dibayar kepada amount expected to be paid to (recovered from)
(direstitusi dari) otoritas perpajakan, yang the taxation authorities, using the tax rates (and
dihitung menggunakan tarif pajak (dan undang- tax laws) that have been enacted or
undang pajak) yang telah berlaku atau secara substantively enacted by the end of the
substantif telah berlaku pada akhir tahun reporting year.
pelaporan.
Manfaat terkait dengan rugi pajak yang dapat Tax benefits relating to tax loss that can be
ditarik untuk memulihkan pajak kini dari tahun carried back to recover current tax of a previous
sebelumnya diakui sebagai aset. Aset pajak year is recognized as an asset. Deferred tax
tangguhan diakui untuk akumulasi rugi pajak asset is recognized for the carry forward of
46
Page 619
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
belum dikompensasi dan kredit pajak belum unused tax losses and unused tax credit to the
dimanfaatkan sepanjang kemungkinan besar extent that it is probable that future taxable
laba kena pajak masa depan akan tersedia profit will be available against which the unused
untuk dimanfaatkan dengan rugi pajak belum tax losses and unused tax credits can be
dikompensasi dan kredit pajak belum utilized.
dimanfaatkan.
Seluruh perbedaan temporer kena pajak diakui Deferred tax liability shall be recognized for all
sebagai liabilitas pajak tangguhan, kecuali taxable temporary differences, except to the
perbedaan temporer kena pajak yang berasal extent that the deferred tax liability arises from:
dari:
a. Pengakuan awal goodwill; a. The initial recognition of goodwill;
b. Pengakuan awal aset atau liabilitas dari b. The initial recognition of an asset or liability
transaksi yang bukan kombinasi bisnis dan in a transaction which is not a business
pada saat transaksi tidak mempengaruhi combination and at the time of the
laba akuntansi atau laba kena pajak (rugi transaction, affects neither accounting profit
pajak); dan pada saat transaksi tidak nor taxable profit (tax los); and at the time
menimbulkan perbedaan temporer kena of the transaction, it does not result in a
pajak dan perbedaan temporer dapat taxable temporary difference and a
dikurangkan dalam jumlah yang sama. deductible temporary difference in the
same amount.
Aset pajak tangguhan diakui untuk seluruh A deferred tax asset shall be recognized for all
perbedaan temporer dapat dikurangkan deductible temporary differences to the extent
sepanjang kemungkinan besar laba kena pajak that it is probable that taxable profit will be
akan tersedia sehingga perbedaan temporer available against which the deductible
dapat dimanfaatkan untuk mengurangi laba temporary difference can be utilized, unless the
dimaksud, kecuali jika aset pajak tangguhan deferred tax asset arises from the initial
timbul dari pengakuan awal aset atau recognition of an asset or liability in a
pengakuan awal liabilitas dalam transaksi transaction:
yang:
a. Bukan kombinasi bisnis; a. That is not a business combination;
b. Pada saat transaksi tidak memengaruhi b. At the time of the transaction affects neither
laba akuntansi atau laba kena pajak (rugi accounting profit nor taxable profit (tax
pajak); dan loss); and
c. Pada saat transaksi, tidak menimbulkan c. At the time of the transaction, do not give
perbedaan temporer kena pajak dan rise to taxable temporary differences and
perbedaan temporer dapat dikurangkan temporary differences can be offset in the
dalam jumlah yang sama. same amount.
Aset pajak tangguhan diakui untuk seluruh A deferred tax asset shall be recognized for all
perbedaan temporer dapat dikurangkan deductible temporary differences to the extent
sepanjang kemungkinan besar laba kena pajak that it is probable that taxable profit will be
akan tersedia sehingga perbedaan temporer available against which the deductible
dapat dimanfaatkan untuk mengurangi laba temporary difference can be utilized, unless the
dimaksud, kecuali jika aset pajak tangguhan deferred tax asset arises from the initial
timbul dari pengakuan awal aset atau recognition of an asset or liability in a
pengakuan awal liabilitas dalam transaksi yang transaction that is not a business combination
bukan kombinasi bisnis dan pada saat and at the time of the transaction affects neither
transaksi tidak memengaruhi laba akuntansi accounting profit nor taxable profit (tax loss).
atau laba kena pajak (rugi pajak).
Aset dan liabilitas pajak tangguhan diukur Deferred tax assets and liabilities are measured
dengan menggunakan tarif pajak yang at the tax rates that are expected to apply to
diharapkan berlaku ketika aset dipulihkan atau the period when the asset is realized or the
liabilitas diselesaikan, berdasarkan tarif pajak liability is settled, based on tax rates (and tax
(dan peraturan pajak) yang telah berlaku atau laws) that have been enacted or substantively
secara substantif telah berlaku pada akhir enacted by the end of the reporting period.
periode pelaporan.
47
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pengukuran aset dan liabilitas pajak tangguhan The measurement of deferred tax liabilities and
mencerminkan konsekuensi pajak yang sesuai deferred tax assets shall reflect the tax
dengan cara Bank memperkirakan, pada akhir consequences that would follow from the
periode pelaporan, untuk memulihkan atau manner in which the Bank expects, at the end
menyelesaikan jumlah tercatat aset dan of the reporting period, to recover or settle the
liabilitasnya. carrying amount of its assets and liabilities.
Jumlah tercatat aset pajak tangguhan ditelaah The carrying amount of a deferred tax asset
ulang pada akhir periode pelaporan. Bank reviewed at the end of each reporting period.
mengurangi jumlah tercatat aset pajak The Bank shall reduce the carrying amount of a
tangguhan jika kemungkinan besar laba kena deferred tax asset to the extent that it is no
pajak tidak lagi tersedia dalam jumlah yang longer probable that sufficient taxable profit will
memadai untuk mengompensasikan sebagian be available to allow the benefit of part or all of
atau seluruh aset pajak tangguhan tersebut. that deferred tax asset to be utilized. Any such
Setiap pengurangan tersebut dilakukan reduction shall be reversed to the extent that it
pembalikan atas aset pajak tangguhan hingga becomes probable that sufficient taxable profit
kemungkinan besar laba kena pajak yang will be available.
tersedia jumlahnya memadai.
Bank melakukan saling hapus aset pajak The Bank offsets deferred tax assets and
tangguhan dan liabilitas pajak tangguhan jika deferred tax liabilities if, and only if:
dan hanya jika:
a. Bank memiliki hak yang dapat dipaksakan a. The Bank has a legally enforceable right to
secara hukum untuk melakukan saling set off current tax assets against current
hapus aset pajak kini terhadap liabilitas tax liabilities; and
pajak kini; dan
b. Aset pajak tangguhan dan liabilitas pajak b. The deferred tax assets and the deferred
tangguhan terkait dengan pajak tax liabilities relate to income taxes levied
penghasilan yang dikenakan oleh otoritas by the same taxation authority on either:
perpajakan yang sama atas:
i. Entitas kena pajak yang sama; atau i. The same taxable entity; or
ii. Entitas kena pajak yang berbeda ii. Different taxable entities which
yang bermaksud untuk memulihkan intend either to settle current
aset dan liabilitas pajak kini dengan tax liabilities and assets on a net
dasar neto, atau merealisasikan aset basis, or to realize the assets and
dan menyelesaikan liabilitas secara settle the liabilities simultaneously,
bersamaan, pada setiap periode in each future period in which
masa depan dimana jumlah signifikan significant amounts of deferred
atas aset atau liabilitas pajak tax liabilities or assets are expected
tangguhan diperkirakan untuk to be settled or recovered.
diselesaikan atau dipulihkan.
Bank melakukan saling hapus atas aset pajak The Bank offsets current tax assets and current
kini dan liabilitas pajak kini jika dan hanya jika, tax liabilities if, and only if, the Bank:
Bank:
a. Memiliki hak yang dapat dipaksakan a. Has legally enforceable right to set off the
secara hukum untuk melakukan saling recognized amounts; and
hapus atas jumlah yang diakui; dan
b. Bermaksud untuk menyelesaikan dengan b. Intends either to settle on a net basis, or to
dasar neto atau merealisasikan aset realize the assets and settle liabilities
dan menyelesaikan liabilitas secara simultaneously.
bersamaan.
2.v. Laba per saham dasar 2.v. Basic earnings per share
Laba per saham dasar dihitung dengan Basic earnings per share is computed by
membagi laba tahun berjalan dengan rata-rata dividing income for the year with the weighted
tertimbang jumlah saham biasa yang average number of outstanding common
48
Page 621
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
ditempatkan dan disetor penuh selama tahun shares issued and are fully paid-up during the
yang bersangkutan, setelah memperhitungkan year, after considering the effect of stock
pembagian dividen saham dan saham bonus dividends and bonus shares distribution that
yang diterapkan secara retrospektif. applied retrospectively.
Bank tidak memiliki efek berpotensi saham The Bank has no outstanding dilutive potential
biasa yang bersifat dilutif pada tanggal ordinary shares as at December 31, 2025 and
31 Desember 2025 dan 2024, dan oleh 2024 and accordingly, no diluted earnings per
karenanya, laba per saham dilusian tidak share is calculated and presented in the
dihitung dan disajikan pada laporan laba rugi statements of profit or loss and other
dan penghasilan komprehensif lain. comprehensive income.
2.w. Program loyalitas pelanggan 2.w. Customer loyalty program
Program loyalitas pelanggan digunakan Bank Customer loyalty programs are used by banks
untuk memberikan insentif kepada pelanggan to provide incentives to customers to purchase
untuk membeli barang atau jasa tertentu. Jika certain goods or services. If the customer
pelanggan membeli barang atau jasa, maka purchases goods or services, the Bank will
Bank akan memberikan poin penghargaan award points to the customer (often referred to
kepada pelanggan (seringkali disebut sebagai as "points"). Customers can exchange these
“poin”). Pelanggan dapat menukar poin award points for goods or services for free or at
penghargaan tersebut dengan barang atau discounted rates. This interpretation applies to
jasa secara gratis atau dengan potongan customer loyalty reward points that:
harga. Interpretasi ini berlaku untuk poin
penghargaan loyalitas pelanggan yang:
a. Diberikan oleh Bank kepada pelanggannya a. Provided by the Bank to its customers as
sebagai bagian dari transaksi penjualan part of a sales transaction i.e. sale of
yaitu penjualan barang, pemberian jasa, goods, provision of services, or use of
atau penggunaan aset entitas-entitas assets of certain entities by customers; and
tertentu oleh pelanggan; dan
b. Bergantung pada pemenuhan terhadap b. Subject to compliance with any further
setiap kondisi lebih lanjut yang disyaratkan, conditions required, the customer may
pelanggan dapat menukar barang atau jasa exchange goods or services for free or at
secara gratis atau dengan potongan harga discounted rates in the future.
di masa depan.
2.x. Sewa 2.x. Lease
Bank sebagai lessor Bank as lessor
Dalam sewa menyewa operasi, Bank sebagai Under an operating lease, the Bank as a lessor
lessor mengakui aset untuk sewa operasi di presents assets subject to operating leases in
laporan posisi keuangan sesuai sifat aset its statements of financial position according to
tersebut. Bank mencatat aset tersebut sebagai the nature of the asset. The Bank recorded
aset sewa operasi yang disusutkan dengan those assets as assets under operating leases
menggunakan metode garis lurus selama umur which is depreciated using straight-line method
manfaat aset tersebut. Biaya langsung awal over the estimated useful lives of the assets.
sehubungan proses negosiasi sewa operasi Initial direct costs incurred in negotiating an
ditambahkan ke jumlah tercatat dari aset operating lease are added to the carrying
sewaan dan diakui sebagai beban selama amount of the leased asset and recognized
masa sewa dengan dasar yang sama dengan over the lease term on the same basis as rental
pendapatan sewa. Rental kontinjen, apabila income. Contingent rents, if any, are
ada, diakui sebagai pendapatan pada tahun- recognized as revenue in the years in which
tahun terjadinya. they are earned.
Bank sebagai lessee Bank as lessee
Kebijakan akuntansi sehubungan dengan The accounting policy related to the adoption of
penerapan PSAK 116 dimana Bank adalah PSAK 116 where Bank is the lessee has been
sebagai lessee diungkapkan pada Catatan 2l disclosed in Note 2l to the financial statements.
atas laporan keuangan.
49
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2.y. Beban emisi saham 2.y. Shares issuance costs
Sesuai dengan Peraturan No. VIII.G.7 lampiran Based on the regulation No. VIII.G.7, appendix
Surat Keputusan Bapepam No. Kep- of Bapepam Decision Letter No. Kep-
06/PM/2000 tanggal 13 Maret 2000 mengenai 06/PM/2000 dated March 13, 2000 regarding
“Pedoman Penyajian Laporan Keuangan” “Guidance for Financial Statements
biaya-biaya emisi efek yang terjadi Presentation”, costs related to the public
sehubungan dengan penawaran saham offering of shares (including pre- emptive
kepada masyarakat (termasuk penerbitan hak rights issue) are deducted from the proceeds
memesan efek terlebih dahulu) dikurangkan and presented as a deduction from the
langsung dari hasil emisi dan disajikan sebagai “Additional Paid-in-Capital-Net account, under
pengurang pada akun “Tambahan Modal Equity section in the statements of financial
Disetor-Neto”, sebagai bagian dari Ekuitas position.
pada laporan posisi keuangan.
2.z. Modal saham diperoleh kembali 2.z. Treasury stock
Saham treasuri merupakan modal saham yang Treasury shares represent the Bank’s share
diperoleh dan dimiliki kembali dari yang capital that has been reacquired after being
sebelumnya telah diterbitkan Bank. Saham previously issued. Treasury shares are
treasuri disajikan sebesar nilai yang dibayar, presented at the amount paid, including any
termasuk biaya tambahan yang secara directly attributable incremental costs (net of
langsung dapat diatribusikan (dikurangi pajak income tax), and are recognized as a deduction
penghasilan) dan sebagai pengurang dari from equity until the shares are cancelled or
ekuitas sampai saham tersebut dibatalkan atau reissued. When such shares are subsequently
diterbitkan kembali. Ketika saham tersebut reissued, the proceeds received, net of any
selanjutnya dijual kembali, maka nilai yang directly attributable incremental transaction
diterima, dikurangi biaya tambahan transaksi costs and related income tax effects, are
yang terkait dan dampak pajak penghasilan recognized in equity.
yang terkait disajikan di ekuitas.
2.aa.Peristiwa setelah periode pelaporan 2.aa.Events after the reporting period
Peristiwa setelah periode pelaporan yang Events after the reporting period that provide
memberikan informasi tambahan tentang posisi additional information about the Bank’s position
Bank pada periode pelaporan (menyesuaikan at the reporting period (adjusting events) are
peristiwa) tercermin dalam laporan keuangan. reflected in the financial statements.
Peristiwa setelah periode pelaporan yang tidak Events after the reporting period that are not
menyesuaikan peristiwa, jika ada, diungkapkan adjusting events, if any, are disclosed when
ketika material terhadap laporan keuangan. material to the financial statements.
2.ab.Kombinasi bisnis Entitas Sepengendali 2.ab.Business combination of Entities Under
Common Control
Akuisisi entitas anak yang memenuhi kriteria Acquisition of a subsidiary that represents a
sebagai transaksi restrukturisasi entitas restructuring transaction of entities under
sepengendali dicatat berdasarkan PSAK 338, common control are accounted for in
“Akuntansi Restrukturisasi Entitas accordance with PSAK 338, “Accounting for
Sepengendali”. Berdasarkan standar ini, Restructuring of Entities Under Common
akuisisi entitas anak dicatat berdasarkan Control”. Based on this standard, acquisition of
penyatuan kepemilikan (pooling of interest) a subsidiary is accounted for based on the
dimana aset dan liabilitas entitas anak dicatat pooling of interest, wherein assets and
sesuai dengan nilai bukunya. Selisih antara liabilities of a subsidiary are recorded at their
harga penyerahan dan bagian Grup atas nilai book values. The difference between the
buku entitas anak, jika ada, dicatat sebagai transfer price and the Group’s interest in a
“Selisih Nilai Transaksi Restrukturisasi Entitas subsidiary’s book values, if any, is recorded as
Sepengendali” dan disajikan sebagai bagian “Difference in Value Arising from Restructuring
dari ekuitas sebagai tambahan modal disetor. Transactions of Entities under Common
Control” and presented as part of equity as
additional paid-in capital.
50
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2.ac.Transaksi dan Saldo dalam Mata Uang 2.ac.Transactions and Balances in Foreign
Asing Currencies
Transaksi dalam mata uang asing dicatat Transactions in foreign currencies are recorded
dalam rupiah berdasarkan kurs yang berlaku in Rupiah based on the rates prevailing at the
pada saat transaksi dilakukan pada tanggal transaction dates. On the reporting date,
pelaporan aset dan liabilitas moneter dalam monetary assets and liabilities denominated in
mata uang asing dijabarkan ke dalam rupiah foreign currencies are converted into Rupiah
berdasarkan kurs Tengah Reuters pukul based on the Reuters’ middle rate at
16:00 WIB. Laba atau rugi selisih kurs yang 16.00 Western Indonesian Time. Exchange
terjadi dikreditkan atau dibebankan pada laba gains or losses from foreign exchange
rugi tahun yang bersangkutan. transactions are credited or charged to the
current year profit or loss.
Kurs mata uang asing utama yang digunakan The major exchange rates used to translate
untuk menjabarkan mata uang asing ke dalam foreign currencies into Rupiah were as follows
Rupiah adalah sebagai berikut (nilai penuh): (full amount):
2025 2024
Dolar Amerika Serikat 16,675 16,095 United States Dollar
Dolar Singapura 12,965 -- Singapore Dollar
3. Pertimbangan Akuntansi Yang Penting Dan 3. Critical Accounting Judgments And Key
Sumber Utama Ketidakpastian Estimasi Sources Of Estimation Uncertainty
Dalam proses penerapan kebijakan akuntansi In the process of applying the Bank’s
Bank, manajemen telah melakukan accounting policies, management has
pertimbangan profesional dan estimasi dalam exercised professional judgments and
menentukan jumlah yang diakui dalam laporan estimates in determining the amounts
keuangan. Beberapa pertimbangan profesional recognized in the financial statements. The
dan estimasi yang signifikan adalah sebagai several significant uses of the professional
berikut: judgments and estimates are as follows:
a. Sumber utama atas ketidakpastian a. Key sources of estimation uncertainty
estimasi
Cadangan kerugian penurunan nilai atas Allowances for impairment losses on
aset keuangan financial assets
Saat mengukur ECL, Bank menggunakan When measuring ECL the Bank uses
informasi masa depan yang wajar dan reasonable and supportable forward-looking
dapat didukung, yang didasarkan pada information, which is based on assumptions
asumsi untuk pergerakan masa depan dari for the future movement of different
berbagai pendorong ekonomi dan economic drivers and how these drivers will
bagaimana penggerak ini akan saling affect each other.
memengaruhi.
Loss given default adalah estimasi Loss given default is an estimate of the loss
kerugian yang timbul karena gagal bayar. arising on default. It is based on the
Perhitungan didasarkan pada perbedaan difference between the contractual cash
antara arus kas kontraktual terutang dan flows due and those that the lender would
yang diharapkan akan diterima, dengan expect to receive, taking into account cash
mempertimbangkan arus kas dari agunan flows from collateral and integral credit
dan peningkatan kredit integral. enhancements.
51
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Probability of default merupakan input Probability of default constitutes a key input
utama dalam mengukur ECL. Probability in measuring ECL. Probability of default is
of default adalah perkiraan kemungkinan an estimate of the likelihood of default over
gagal bayar selama jangka waktu tertentu, a given time horizon, the calculation of
yang penghitungannya mencakup data which includes historical data, assumptions
historis, asumsi, dan ekspektasi kondisi and expectations of future conditions.
masa depan.
Evaluasi atas kerugian penurunan nilai Financial assets accounted for at amortized
aset keuangan yang dicatat pada biaya cost are evaluated for impairment on the
perolehan diamortisasi dijelaskan di basis described in Note 2k.
Catatan 2k.
Kondisi spesifik counterparty yang In the calculation of allowance for
mengalami penurunan nilai dalam impairment losses of financial assets, the
pembentukan cadangan kerugian atas specific condition of impaired counterparty
aset keuangan dievaluasi secara individu is individually evaluated based on
berdasarkan estimasi terbaik manajemen management's best estimate of the present
atas nilai kini arus kas yang diharapkan value of the expected cash flows to be
akan diterima, baik dari waktu dan jumlah. received, including both timing and amount.
Dalam mengestimasi arus kas tersebut, In estimating these cash flows,
manajemen membuat pertimbangan management makes judgements about the
tentang situasi keuangan counterparty dan counterparty's financial situation and the net
nilai realisasi bersih dari setiap agunan, realizable value of any underlying collateral,
serta probabilitas rata-rata tertimbang including weighted average probability of
kerugian kredit. Setiap aset yang credit losses. Each impaired asset is
mengalami penurunan nilai dinilai sesuai assessed on its merits, and the workout
dengan manfaat yang ada, dan strategi strategy and estimated cash flows
penyelesaian serta estimasi arus kas yang considered recoverable.
diperkirakan dapat diterima.
Evaluasi cadangan kerugian penurunan Collectively-assessed allowance for
nilai secara kolektif meliputi kerugian impairment losses cover credit losses
kredit yang melekat pada portofolio aset inherent in portfolios of financial assets with
keuangan dengan karakteristik ekonomi similar economic characteristics but the
yang sama, tetapi penurunan nilai secara individual impaired items cannot yet be
individu belum dapat diidentifikasi. Dalam identified. In assessing the need for
menentukan perlunya membentuk collectively assessed allowance for
cadangan kerugian penurunan nilai kredit impairment losses, management considers
secara kolektif, manajemen factors such as credit quality, portfolio size,
mempertimbangkan faktor-faktor seperti credit concentrations, and economic factors.
kualitas kredit, besarnya portofolio, In order to estimate the required allowance,
konsentrasi kredit, dan faktor-faktor assumptions are made to define the way
ekonomi. Dalam mengestimasi cadangan inherent losses are modeled and to
yang diperlukan, asumsi-asumsi dibuat determine the required input parameters,
untuk menentukan model kerugian based on historical experience, current
bawaan dan untuk menentukan parameter economic conditions, and forecast on future
input yang diperlukan, berdasarkan economic conditions.
pengalaman historis, kondisi ekonomi saat
ini, dan perkiraan kondisi ekonomi di masa
depan.
Ketepatan dari cadangan ini bergantung The accuracy of the allowances depends on
pada seberapa tepat estimasi arus kas how well these estimates of future cash
masa depan untuk menentukan cadangan flows for specific counterparty allowances
individual serta asumsi model dan and the model assumptions and parameters
parameter yang digunakan dalam used in determining collective allowances.
menentukan cadangan kolektif.
52
Page 625
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Estimasi Masa Sewa Estimation of Lease Term
Dalam mengestimasi masa sewa dari When estimating the lease term of the
masing-masing perjanjian sewa, respective lease arrangement, management
manajemen mempertimbangkan seluruh considers all facts and circumstances that
fakta dan keadaan yang memberikan create an economic incentive to exercise an
insentif ekonomik untuk mengeksekusi extension option, or not to exercise a
opsi perpanjangan, atau untuk tidak termination option, including any expected
mengeksekusi opsi penghentian, termasuk changes in facts and circumstances from
perubahan fakta atau keadaan yang the commencement date until the exercise
diekspektasi dari tanggal permulaan date of the option. Extension options (or
hingga tanggal eksekusi opsi. Opsi periods after termination options) are only
perpanjangan (atau periode setelah opsi included in the lease term if the lease is
penghentian) hanya diperhitungkan dalam reasonably certain to be extended (or not
masa sewa jika sewa cukup pasti akan terminated).
diperpanjang (atau tidak dihentikan).
Penentuan nilai wajar Determining fair values
Dalam menentukan nilai wajar atas aset In determining the fair value for financial
keuangan dan liabilitas keuangan dimana assets and liabilities for which there is no
tidak terdapat harga pasar yang dapat observable market price, Bank should use
diobservasi, Bank harus menggunakan the valuation techniques as described in
teknik penilaian seperti dijelaskan pada Note 2c. For financial instruments that are
Catatan 2c. Untuk instrumen keuangan infrequently traded and have little price
yang jarang diperdagangkan dan tidak transparency, fair value is less objective,
memiliki harga yang transparan, nilai and requires varying degrees of judgment
wajarnya menjadi kurang objektif dan depending on liquidity, concentration,
karenanya, membutuhkan tingkat uncertainty of market factors, pricing
pertimbangan yang beragam, tergantung assumptions and other risks affecting the
pada likuiditas, konsentrasi, ketidakpastian specific instrument.
faktor pasar, asumsi penentuan harga,
dan risiko lainnya yang memengaruhi
instrumen tertentu.
Aset pajak tangguhan Deferred tax assets
Aset pajak tangguhan diakui atas jumlah Deferred tax assets are recognized for the
pajak penghasilan terpulihkan future recoverable taxable income arising
(recoverable) pada periode mendatang from temporary difference.
sebagai akibat perbedaan temporer yang
boleh dikurangkan.
Pertimbangan manajemen diperlukan Management judgment is required to
untuk menentukan jumlah aset pajak determine the amount of deferred tax assets
tangguhan yang dapat diakui, sesuai that can be recognized, based upon the
dengan waktu yang tepat dan tingkat laba likely timing and level of future taxable
fiskal di masa mendatang sejalan dengan profits together with future strategic
strategi rencana perpajakan ke depan planning (Note 2u).
(Catatan 2u).
Penyusutan Aset Tetap Depreciation of Fixed Assets
Manajemen mengestimasi masa manfaat Management properly estimates the useful
ekonomis aset tetap Bank antara 1 sampai lives of the Bank’s fixed assets to be within
dengan 20 tahun. Ini merupakan masa 1 to 20 years. These are common life
manfaat ekonomis yang secara umum expectancies applied in the banking
diharapkan dalam industri perbankan. industries. Changes in the expected level
Perubahan tingkat pemakaian dan of usage and technological development
perkembangan teknologi dapat could impact the economic useful lives
mepengaruhi masa manfaat ekonomis dan and the residual values of these assets,
53
Page 626
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
nilai sisa aset, dan karenanya beban and therefore future depreciation charges
penyusutan masa depan mungkin direvisi. could be revised. Further details are
Penjelasan lebih rinci diungkapkan dalam disclosed in Notes 2l and 13.
Catatan 2l dan 13.
Imbalan kerja Employee benefits
Penentuan liabilitas imbalan kerja Bank The determination of the Bank’s employee
bergantung pada pemilihan asumsi yang benefits liability is dependent on its
digunakan oleh aktuaris independen dan selection of certain assumptions used by
manajemen Bank dalam menghitung the independent actuaries and the Bank’s
jumlah-jumlah tersebut. Asumsi tersebut management in calculating such amounts.
termasuk antara lain, tingkat diskonto, Those assumptions include among others,
tingkat kenaikan gaji tahunan, tingkat discount rates, future annual salary
pengunduran diri karyawan tahunan, increase, annual employee turn-over rate,
tingkat kecacatan, umur pensiun, dan disability rate, retirement age, and
tingkat kematian (Catatan 22). mortality rate (Note 22).
Pajak penghasilan Income tax
Bank mengakui liabilitas atas pajak The Bank recognizes liabilities for
penghasilan badan berdasarkan estimasi corporate income tax based on estimation
apakah akan terdapat tambahan pajak of whether additional corporate income tax
penghasilan badan. will be due.
b. Pertimbangan akuntansi yang penting c. b. Critical accounting judgments in applying
dalam menerapkan kebijakan akuntansi the Bank’s accounting policies
Bank
Pertimbangan akuntansi yang penting Critical accounting judgments made in
dalam menerapkan kebijakan akuntansi applying the Bank’s accounting policies
Bank meliputi: include:
Penilaian instrumen keuangan Valuation of financial instruments
Bank menggunakan hierarki berikut untuk The Bank adopts the following hierarchy
menentukan dan mengungkapkan nilai for determining and disclosing the fair
wajar dari instrumen keuangan value of financial instruments (Note 42):
(Catatan 42):
• Level 1: • • Level 1:
harga kuotasian (tanpa penyesuaian) quoted (unadjusted) market prices in
di pasar aktif untuk aset atau liabilitas active market for identical assets or
yang identik; liabilities;
• Level 2: • Level 2:
input selain harga kuotasian yang inputs other than quoted prices
termasuk dalam Level 1 yang dapat included within Level 1 that are
diobservasi untuk aset dan liabilitas observable for the asset or liability
baik secara langsung (misalnya either directly (for example, price) or
harga) atau secara tidak langsung; indirectly;
• Level 3: • Level 3:
input untuk aset dan liabilitas yang inputs for the asset and liability that
bukan berdasarkan data pasar yang are not based on observable market
dapat diobservasi (input yang tidak data (unobservable inputs).
dapat diobservasi).
Kebijakan akuntansi Bank untuk The Bank’s accounting policy on fair value
pengukuran nilai wajar dibahas di measurements is discussed in Note 2c.
Catatan 2c.
Nilai wajar dari aset keuangan dan Fair values of financial assets and
liabilitas keuangan yang diperdagangkan financial liabilities that are traded in active
di pasar aktif didasarkan pada kuotasi markets are based on quoted market
harga pasar atau kuotasi dari harga prices or dealer price quotations. For all
54
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
dealer. Untuk seluruh instrumen keuangan other financial instruments, the Bank
lainnya, Bank menentukan nilai wajar determines fair values using valuation
dengan menggunakan teknik penilaian. techniques.
Teknik penilaian termasuk model nilai Valuation techniques include net present
sekarang dan arus kas yang value and discounted cash flow models,
didiskontokan, dan perbandingan dengan and comparison to similar instruments for
instrumen yang sejenis dimana terdapat which market observable prices exist.
harga pasar yang dapat diobservasi. Assumptions and inputs used in valuation
Asumsi dan input yang digunakan dalam techniques include risk-free and
teknik penilaian termasuk suku bunga benchmark interest rates, credit spreads,
bebas risiko (risk-free) dan suku bunga and other variable used in estimating
acuan, credit spread, dan variabel lainnya discount rates, bond prices, foreign
yang digunakan dalam mengestimasi currency exchange rates, and price
tingkat diskonto, harga obligasi, kurs mata volatilities and correlations.
uang asing, serta tingkat kerentanan dan
korelasi harga yang diharapkan.
Tujuan dari teknik penilaian adalah The objective of valuation techniques is to
penentuan nilai wajar yang mencerminkan arrive at a fair value determination that
harga dari instrumen keuangan pada reflects the price of the financial
tanggal pelaporan yang akan ditentukan instrument at the reporting date that would
oleh para partisipan di pasar dalam suatu have been determined by market
transaksi yang wajar. participants acting at arm’s length.
Penilaian model bisnis Business model assessment
Klasifikasi dan pengukuran aset keuangan Classification and measurement of
bergantung pada hasil ‘semata dari financial assets depends on the results of
pembayaran pokok dan bunga’ (”SPPI”) the SPPI (see financial assets sections of
(lihat bagian aset keuangan pada Note 3) and the business model test. The
Catatan 3) dan uji model bisnis. Bank Bank determines the business model at a
menentukan model bisnis pada tingkat level that reflects how group of financial
yang mencerminkan bagaimana kelompok assets are managed together to achieve a
aset keuangan dikelola bersama untuk particular business objective. This
mencapai tujuan bisnis tertentu. Penilaian assessment includes judgement reflecting
ini mencakup penilaian yang all relevant evidence including how the
mencerminkan semua bukti yang relevan performance of the assets is evaluated
termasuk bagaimana kinerja aset and their performance measured, the risks
dievaluasi dan kinerjanya diukur, risiko that affect the performance of the assets
yang memengaruhi kinerja aset dan and how these are managed and how the
bagaimana hal ini dikelola dan bagaimana managers of the assets are compensated.
manajer aset diberi kompensasi. Bank The Bank monitors financial assets
memantau aset keuangan yang diukur measured at amortized cost or fair value
pada biaya perolehan diamortisasi atau through other comprehensive income that
nilai wajar melalui penghasilan are derecognized prior to their maturity to
komprehensif lain yang dihentikan understand the reason for their disposal
pengakuannya sebelum jatuh tempo untuk and whether the reasons are consistent
memahami alasan pelepasannya dan with the objective of the business for which
apakah alasan tersebut konsisten dengan the asset was held. Monitoring is part of
tujuan bisnis di mana aset tersebut the Bank’s continuous assessment of
dimiliki. Pemantauan adalah bagian dari whether the business model for which the
penilaian berkelanjutan Bank atas apakah remaining financial assets are held
model bisnis di mana aset keuangan yang continues to be appropriate and if it is not
tersisa dimiliki tetap sesuai dan jika tidak appropriate whether there has been a
sesuai apakah telah terjadi perubahan change in business model and so a
dalam model bisnis dan dengan demikian prospective change to the classification of
terdapat perubahan prospektif terhadap those assets. No such changes were
55
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
klasifikasi aset keuangan tersebut. Tidak required during the periods presented.
ada perubahan yang diperlukan selama
periode yang disajikan.
Peningkatan risiko kredit yang signifikan Significant increase in credit risk
Sebagaimana dijelaskan dalam As explained in Note 3, expected
Catatan 3, kerugian kredit ekspektasian credit losses are measured as an
diukur sebagai cadangan yang setara allowance equal to 12 months ECL
dengan ECL 12 bulan untuk aset stage 1, for stage 1 assets, or lifetime ECL
atau ECL sepanjang umur untuk aset for stage 2 or stage 3 assets. An asset
stage 2 atau stage 3. Suatu aset bergerak moves to stage 2 when its credit risk
ke stage 2 ketika risiko kreditnya telah has increased significantly since initial
meningkat secara signifikan sejak recognition. PSAK 409 does not
pengakuan awal. PSAK 409 tidak define what constitutes a significant
menjelaskan apa yang merupakan increase in credit risk. In assessing
peningkatan risiko kredit yang signifikan. whether the credit risk of an asset
Dalam menilai apakah risiko kredit suatu has significantly increased, the Bank
aset telah meningkat secara signifikan, takes into account qualitative and
Bank mempertimbangkan informasi masa quantitative reasonable and supportable
depan yang wajar dan dapat didukung forward-looking information.
secara kualitatif dan kuantitatif.
Klasifikasi aset dan liabilitas keuangan Financial asset and liability classification
Kebijakan akuntansi Bank menetapkan The Bank’s accounting policies determine
klasifikasi atas aset dan liabilitas tertentu the classifications of certain assets and
sebagai aset dan liabilitas keuangan liabilities as financial assets and liabilities
dengan mempertimbangkan definisi yang by considering the definition set forth in
ditetapkan PSAK 409. PSAK 409.
Penurunan nilai aset non-keuangan Impairment of non-financial assets
Bank mengevaluasi penurunan nilai aset The Bank assesses impairment of assets
apabila terdapat kejadian atau perubahan whenever events or changes in
keadaan yang mengindikasikan bahwa circumstances that would indicates that
nilai tercatat aset tidak dapat dipulihkan the carrying amount of an asset may not
kembali. Faktor-faktor penting yang dapat be recoverable. The factors that the Bank
menyebabkan penelaahan penurunan nilai considers important which could trigger an
adalah sebagai berikut: impairment review include the following:
a) Performa yang tidak tercapai secara a) Significant underperformance relative
signifikan terhadap ekspektasi historis to expected historical or projected
atau proyeksi hasil operasi di masa future operating results;
yang akan datang;
b) Perubahan yang signifikan dalam cara b) Significant changes in the manner of
penggunaan aset atau strategi bisnis use of the acquired assets or the
secara keseluruhan; dan strategy for overall business; and
c) Industri atau tren ekonomi yang secara c) Significant negative industry or
signifikan bernilai negatif. economic trends.
Bank mengakui kerugian penurunan nilai The Bank recognizes an impairment loss
apabila nilai tercatat aset melebihi nilai yang whenever the carrying amount of an asset
dapat dipulihkan. Jumlah terpulihkan adalah exceeds its recoverable amount. The
nilai yang lebih tinggi antara nilai wajar recoverable amount is the higher of an asset’s
dikurangi biaya untuk menjual dengan nilai (or cash-generating unit’s) fair value less costs
pakai aset (atau unit penghasil kas). Jumlah to sell and its value in use. Recoverable
terpulihkan diestimasi untuk aset individual amounts are estimated for individual assets or,
atau, jika tidak memungkinkan, untuk unit if it is not possible, for the cash-generating unit
penghasil kas yang mana aset tersebut to which the asset belongs.
merupakan bagian daripada unit tersebut.
56
Page 629
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
4. Kas 4. Cash
2025 2024
Rupiah Rupiah
Khasanah 2.571.705.700 1.955.245.700 Vault room
Jumlah 2.571.705.700 1.955.245.700 Total
Kas dalam penyimpanan diasuransikan Cash in vault are insured for all risks of
terhadap semua risiko kehilangan dan/atau physical loss and/or damage with PT Asuransi
kerusakan kepada PT Asuransi Umum Mega Umum Mega with sum insured amounting to
dengan jumlah pertanggungan sebesar Rp3,000,000,000 for the years ended
Rp3.000.000.000 pada tanggal 31 Desember December 31, 2025 and 2024, respectively.
2025 dan 2024.
Manajemen Bank berpendapat bahwa nilai The management of the Bank believes that the
pertanggungan tersebut cukup untuk menutupi insurance coverage is adequate to cover
kemungkinan kerugian dari risiko tersebut. possible losses arising from such risks.
5. Giro pada Bank Indonesia 5. Current Accounts with Bank Indonesia
2025 2024
Mata uang asing / Ekuivalen Rupiah / Mata uang asing / Ekuivalen Rupiah /
Foreign currency Equivalent in Rupiah Foreign currency Equivalent in Rupiah
Rupiah 411.715.728.588 234.891.975.965 Rupiah
Dolar Amerika Serikat 3.600.200 60.033.335.000 -- -- United States Dollar
Jumlah 3.600.200 471.749.063.588 -- 234.891.975.965 Total
Giro Wajb Minimum (GWM) Bank sesuai Minimum Statutory Reserves (GWM) Bank in
dengan Peraturan Bank Indonesia dan accordance with Bank Indonesia (BI)
Peraturan Anggota Dewan Gubernur (PADG) Regulation Regulation of Members of The
diungkapkan pada Catatan 46a. Board of Governors (PADG) are disclosed in
Note 46a.
6. Giro pada Bank Lain 6. Current Accounts with Other Banks
a. Berdasarkan mata uang a. By currency
2025 2024
Mata uang asing / Ekuivalen Rupiah / Mata uang asing / Ekuivalen Rupiah /
Foreign currency Equivalent in Rupiah Foreign currency Equivalent in Rupiah
Rupiah Rupiah
Pihak berelasi (Catatan 37) 37,855,809,750 46,729,528,498 Related parties (Note 37)
Cadangan kerugian Allowance for
penurunan nilai (37,855,810) (46,729,528) Impairment losses
Jumlah giro pada bank lain kepada Total current accounts with other
pihak berelasi - neto 37,817,953,940 46,682,798,970 banks to related parties - net
Pihak ketiga Third parties
PT Bank Mandiri (Persero) Tbk 13,508,033,041 191,304,735 PT Bank Mandiri (Persero) Tbk
Standard Chartered Bank 2,844,225,403 124,482,338 Standard Chartered Bank
PT Bank Central Asia Tbk 2,643,455,551 8,840,730,960 PT Bank Central Asia Tbk
Jumlah 18,995,713,995 9,156,518,033 Total
Mata uang asing Foreign currency
Pihak ketiga Third parties
PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk
New York 6,251,804.80 104,249,679,624 -- -- New York
DBS Bank Ltd Singapore 174,959.97 2,268,356,011 -- -- DBS Bank Ltd Singapore
Jumlah 6,426,764.77 106,518,035,635 -- -- Total
Cadangan kerugian Allowance for
penurunan nilai (125,513,750) (9,156,518) Impairment losses
Jumlah giro pada bank lain kepada Total current accounts with other
pihak ketiga - neto 125,388,235,880 9,147,361,515 banks to third parties - net
Jumlah - neto 163,206,189,820 55,830,160,485 Total - net
57
Page 630
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. Berdasarkan kolektibilitas b. By collectability
Kolektibilitas giro pada bank lain sesuai Collectibility current accounts with other
Peraturan OJK diungkapkan pada Catatan banks in accordance with Financial Service
46b. Authority Rule are disclosed In Note 46b.
c. Nilai tercatat bruto c. Gross carrying amount
Perubahan nilai tercatat bruto adalah The movements in the gross carrying
sebagai berikut: amount are as follows:
31 Desember/ December 31, 2025
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 55.886.046.531 -- -- 55.886.046.531 Initial gross carrying amount
Aset baru 106.518.035.635 -- -- 106.518.035.635 New assets originated
Pengukuran kembali 965.477.214 -- -- 965.477.214 Remeasurement
Nilai tercatat bruto akhir 163.369.559.380 -- -- 163.369.559.380 Ending gross carrying amount
31 Desember/ December 31, 2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 216.113.532.903 -- -- 216.113.532.903 Initial gross carrying amount
Aset baru 315.787.073 -- -- 315.787.073 New assets originated
Pengukuran kembali (160.543.273.445) -- -- (160.543.273.445) Remeasurement
Nilai tercatat bruto akhir 55.886.046.531 -- -- 55.886.046.531 Ending gross carrying amount
d. Cadangan kerugian penurunan nilai d. Allowance for impairment losses
Perubahan cadangan kerugian penurunan The movement of the allowance for
nilai atas giro pada bank lain dihitung impairment losses of current account with
dengan menggunakan KKE 12 bulan, other banks computed based on 12 months
adalah sebagai berikut: ECL, is as follows:
31 Desember/ December 31, 2025
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/ -965477213
Stage 1 Stage 2 Stage 3 Total
Saldo awal (55.886.045) -- -- (55.886.045) Initial balance
Aset baru (106.518.036) -- -- (106.518.036) New assets originated
Pengukuran kembali (965.478) -- -- (965.478) Remeasurement
Saldo akhir (163.369.559) -- -- (163.369.559) Ending balance
31 Desember/ December 31, 2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal (216.113.532) -- -- (216.113.532) Initial balance
Aset baru (315.787) -- -- (315.787) New assets originated
Pengukuran kembali 160.543.274 -- -- 160.543.274 Remeasurement
Saldo akhir (55.886.045) -- -- (55.886.045) Ending balance
Manajemen berpendapat bahwa The management believes that the
cadangan kerugian penurunan nilai giro allowance for impairment losses on current
pada bank lain pada tanggal account with other banks as at December
31 Desember 2025 dan 2024 telah 31, 2025 and 2024 is adequate.
memadai.
58
Page 631
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
e. Tingkat suku bunga rata-rata e. Average interest rate
Tingkat suku bunga rata-rata giro pada The average interest rates of current
bank lain adalah sebagai berikut: account with other banks are as follows:
2025 2024
Rupiah 0 - 2.50% 0 - 3.50% Rupiah
Dolar Amerika Serikat 0 - 1.00 % -- United States Dollar
Dolar Singapura 0 - 1.00 % -- Singapore Dollar
f. Pada tanggal 31 Desember 2025 dan f. As at December 31, 2025 and 2024, there
2024, tidak terdapat giro pada bank lain are no current account with other banks
yang dijaminkan. which are pledged as collateral.
7. Penempatan pada Bank Indonesia dan Bank 7. Placements with Bank Indonesia and Other
Lain Banks
a. Berdasarkan pihak, mata uang, dan jenis a. By counterparties, currency, and type
2025 2024
Rupiah Rupiah
Pihak berelasi (Catatan 37) Related parties (Note 37)
Penempatan pada bank lain Placements with other banks
Call money 450.000.000.000 2.150.000.000.000 Call money
Pihak ketiga Third parties
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Bank Indonesia - Deposit Facility
setelah dikurangi diskonto Bank Indonesia - Deposit Facility
belum diamortisasi -- 499.927.104.595 net of unamortized discount
Jumlah 450.000.000.000 2.649.927.104.595 Total
b. Berdasarkan kolektibilitas b. By collectability
Kolektibilitas penempatan pada bank Collectibility current accounts with other
Indonesia dan bank lain sesuai Peraturan banks in accordance with Financial Service
OJK diungkapkan pada Catatan 46c. Authority Rule are disclosed In Note 46c.
c. Berdasarkan jangka waktu c. By on time period
Jumlah tercatat penempatan pada Bank Placements with Bank Indonesia and other
Indonesia dan bank lain berdasarkan banks based on time period as of December
jangka waktu pada tanggal 31 Desember 31, 2025 and 2024 are as follows:
2025 dan 2024 adalah sebagai berikut:
2025 2024
Rupiah Rupiah
Sampai dengan 1 bulan 450.000.000.000 2.649.927.104.595 Up to 1 month
Jumlah 450.000.000.000 2.649.927.104.595 Total
d. Berdasarkan sisa umur jatuh tempo d. By remaining period of maturity
Jumlah tercatat penempatan pada Bank Placements with Bank Indonesia and other
Indonesia dan bank lain berdasarkan sisa banks based on the remaining period of
umur jatuh tempo berikut: maturity are as follows:
2025 2024
Rupiah Rupiah
Sampai dengan 1 bulan 450.000.000.000 2.649.927.104.595 Up to 1 month
Jumlah 450.000.000.000 2.649.927.104.595 Total
59
Page 632
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
e. Nilai tercatat bruto adalah sebagai berikut: e. Gross carrying amount are as follows:
31 Desember/ December 31, 2025
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 2.649.927.104.595 -- -- 2.649.927.104.595 Initial gross carrying amount
Aset baru 450.000.000.000 -- -- 450.000.000.000 New assets originated
Pengukuran kembali (2.649.927.104.595) (2.649.927.104.595) Remeasurement
Nilai tercatat bruto akhir 450.000.000.000 -- -- 450.000.000.000 Ending gross carrying amount
31 Desember/ December 31, 2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 1.399.970.850.337 -- -- 1.399.970.850.337 Initial gross carrying amount
Aset baru -- -- -- -- New assets originated
Pengukuran kembali 1.249.956.254.258 1.249.956.254.258 Remeasurement
Nilai tercatat bruto akhir 2.649.927.104.595 -- -- 2.649.927.104.595 Ending gross carrying amount
f. Cadangan kerugian penurunan nilai f. Allowance for impairment losses
Manajemen Bank berpendapat bahwa The Bank’s management believed that
cadangan kerugian penurunan nilai pada allowance for impairment losses as at
tanggal 31 Desember 2025 dan 2024 tidak December 31, 2025 and 2024 are not
diperlukan. required.
g. Tingkat suku bunga rata-rata g. Average interest rate
Tingkat suku bunga rata-rata penempatan The average interest rates of placements
pada Bank Indonesia dan bank lain adalah with Bank Indonesia and other banks are as
sebagai berikut: follows:
2025 2024
Rupiah 4.00% 6.10% Rupiah
h. Pada tanggal 31 Desember 2025 dan h. As at December 31, 2025 and 2024, there
2024 tidak terdapat penempatan pada are no placements with Bank Indonesia
Bank Indonesia dan bank lain yang and other banks which are pledged as
dijaminkan. collateral.
8. Efek-Efek 8. Marketable Securities
a. Berdasarkan jenis dan mata uang a. By type and currency
2025 2024
Pihak berelasi (catatan 37) Related parties (note 37)
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Rupiah Rupiah
MTN Subordinasi 48.424.950.000 -- MTN Subordinasi
Pihak Ketiga Third parties
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Rupiah Rupiah
Obligasi Pemerintah Indonesia 5.765.267.011.630 1.082.887.000.000 Indonesian Government Bonds
Sekuritas Rupiah Bank Indonesia 1.711.678.894.122 1.774.777.782.213 Bank Indonesia Rupiah Securities
Keuntungan yang belum
b. Berdasarkan penerbit b. By issuer
2025 2024
Pihak ketiga Third parties
Pemerintah 7.490.839.246.170 2.847.269.591.360 Government
Korporasi 48.424.950.000 -- Corporate
Jumlah 7.539.264.196.170 2.847.269.591.360 Total
60
Page 633
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
c. Berdasarkan sisa umur jatuh tempo c. By remaining maturity
2025 2024
Kurang dari 3 bulan 1,725,572,234,540 -- Less than 3 months
3 - 12 bulan -- 1,764,382,591,360 3 - 12 months
1 - 5 tahun 274,807,050,000 -- 1 - 5 yearss
Lebih dari 5 tahun 5,538,884,911,630 1,082,887,000,000 More than 5 years
Jumlah 7,539,264,196,170 2,847,269,591,360 Total
d. Berdasarkan kolektibilitas d. By collectability
Berdasarkan hasil penelaahan dan Based on the Bank’s management review
evaluasi manajemen Bank, seluruh efek- and evaluation, all securities in accordance
efek sesuai Peraturan OJK diungkapkan with Financial Services Authority
pada Catatan 46d. Regulation are disclosed in Note 46d.
e. Jangka waktu dan tingkat suku bunga rata- e. Maturity period and average interest rates
rata efek-efek adalah sebagai berikut: of securities are as follows:
2025 2024
Jangka waktu Maturity Period
Obligasi pemerintah 1 - 10 tahun/years 1 - 11 tahun/years Government bonds
Obligasi korporasi 5 tahun/years -- Corporate bonds
Tingkat bunga Average interest rate
rata-rata pertahun per annum
Obligasi pemerintah 6.75% 6.75% Government bonds
Obligasi korporasi 8.50% -- Corporate bonds
f. Nilai tercatat bruto adalah sebagai berikut: f. Gross carrying amount are as follows:
31 Desember/ December 31, 2025
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 2,847,269,591,360 -- -- 2,847,269,591,360 Initial gross carrying amount
Aset baru 7,539,264,196,170 -- -- 7,539,264,196,170 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (2,847,269,591,360) -- -- (2,847,269,591,360) (exclude write off)
Pengukuran kembali -- -- -- -- Remeasurement
Nilai tercatat bruto akhir 7,539,264,196,170 -- -- 7,539,264,196,170 Ending gross carrying amount
31 Desember/ December 31, 2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 3,182,839,180,000 -- -- 3,182,839,180,000 Initial gross carrying amount
Aset baru 2,447,421,591,360 -- -- 2,447,421,591,360 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (2,778,039,180,000) -- -- (2,778,039,180,000) (exclude write off)
Pengukuran kembali (4,952,000,000) -- -- (4,952,000,000) Remeasurement
Nilai tercatat bruto akhir 2,847,269,591,360 -- -- 2,847,269,591,360 Ending gross carrying amount
Pada tanggal 31 Desember 2025 dan As at December 31, 2025 and 2024, there
2024 tidak terdapat efek-efek yang are no impairment losses in securities.
mengalami penurunan nilai.
Manajemen Bank berpendapat bahwa The Bank’s management believes that
cadangan kerugian penurunan nilai untuk allowance for impairment losses as at
31 Desember 2025 dan 2024 tidak December 31, 2025 and 2024 are not
diperlukan. required.
g. Pada tanggal 31 Desember 2025 dan g. As at December 31, 2025 and 2024, there
2024, tidak terdapat efek-efek yang were no securities which were pledged as
dijaminkan. collateral.
61
Page 634
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
h. Perubahan keuntungan yang belum h. Unrealized gain from changes in fair values
direalisasi atas efek-efek yang through other comprehensive income in
diklasifikasikan sebagai nilai wajar melalui securities are as follows:
pendapatan komprehensif lain adalah
sebagai berikut:
2025 2024
Saldo awal (10,395,190,853) 76,114,624,789 Beginning balance
Keuntungan yang direalisasi ke laba rugi Realized gains to profit or loss
atas penjualan efek-efek from sale of marketable securities
selama tahun berjalan (103,583,282,087) (69,095,190,316) during the year
Penambahan laba yang belum Increase in unrealized
direalisasi selama tahun berjalan 131,655,835,023 (38,882,852,832) gain during the year
Pajak penghasilan terkait (3,943,854,337) 21,468,227,506 Related income tax
Penyisihan cadangan kerugian Provision of allowance for
penurunan nilai (Catatan 31) 159,832,672 -- impairment losses (Note 31)
Saldo akhir 13,893,340,418 (10,395,190,853) Ending balance
i. Pada tanggal 31 Desember 2025, terdapat i. As at December 31, 2025, there are
efek-efek yang dijual dengan janji dibeli securities which are sold under
kembali (Catatan 17). repurchased agreement (Note 17).
9. Efek-Efek yang Dibeli dengan Janji Dijual 9. Securities Purchased Under Resell
Kembali Agreement
2025
Nilai Pendapatan bunga
penjualan yang belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Resale Unamortised Carrying
Counterparty Type of securities amount Starting date Maturity date amount interest value
Pihak ketiga / Third party
Obligasi Pemerintah/ 31 Desember / 5 Januari /
PT Bank Raya Indonesia Tbk 50,000,000,000 289,095,044,629 146,061,303 288,948,983,326
Government Bonds December 31, 2025 January 5, 2026
50,000,000,000 289,095,044,629 146,061,303 288,948,983,326
2024
Nilai Pendapatan bunga
penjualan yang belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Resale Unamortised Carrying
Counterparty Type of securities amount Starting date Maturity date amount interest value
Pihak berelasi / Related parties
Obligasi Pemerintah/ 31 Desember / 31 Desember /
PT Bank Mega Tbk 250,000,000,000 236,314,975,873 80,713,373 236,234,262,500
Government Bonds December, 31 2024 December, 31 2024
Pihak ketiga / Third party
Obligasi Pemerintah/ 31 Desember / 31 Desember /
PT Bank Raya Indonesia Tbk 50,000,000,000 52,440,758,640 17,911,140 52,422,847,500
Government Bonds December, 31 2024 December, 31 2024
300,000,000,000 288,755,734,513 98,624,513 288,657,110,000
Efek-efek yang dibeli dengan janji dijual Securities purchased under agreements to
kembali digolongkan lancar. resell are classified as current.
Kolektibilitas efek-efek yang dibeli dengan janji Collectibility securities purchased under
dijual kembali sesuai Peraturan Otoritas Jasa agreements to resell in accordance with
Keuangan diungkapkan pada Catatan 46e. Financial Services Authority Regulation are
disclosed in Note 46e.
Tingkat suku bunga rata-rata tertimbang The weighted average of interest rate per
setahun untuk efek-efek yang dibeli dengan annum for securities purchased under resell
janji dijual kembali untuk tahun berakhir pada agreement for the year ended
31 Desember 2025 dan 2024 masing – masing December 31, 2025 and 2024 respectively is
sebesar 4,25% dan 6,25 %. 4.25% and 6.25% .
62
Page 635
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Informasi mengenai jatuh tempo diungkapkan Information in respect of maturities are
pada Catatan 41. Informasi mengenai disclosed in Note 41. Information with regards
klasifikasi dan nilai wajar diungkapkan pada to the classification and fair value are disclosed
Catatan 42. in Note 42.
10. Kredit yang Diberikan 10. Loans
a. Berdasarkan jenis kredit dan hubungan a. By type of loans and by relationship
Jenis 2025 2024 Type
Rupiah Rupiah
Pihak berelasi Related parties
Modal Kerja 302,526,000,000 -- Working capital
Investasi 196,750,000,000 591,330,000,000 Investment
Konsumsi 93,762,656 113,894,975 Consumer
Jumlah 499,369,762,656 591,443,894,975 Total
Cadangan kerugian Allowance for
penurunan nilai (523,957,159) (3,325,942,895) impairment losses
Jumlah kredit yang diberikan Total loans
kepada pihak berelasi - neto to related parties - net
(Catatan 37) 498,845,805,497 588,117,952,080 (Note 37)
Pihak ketiga Third parties
Modal kerja 1,796,345,972,070 1,014,884,097,910 Working capital
Investasi 4,688,223,192,706 4,508,303,637,143 Investment
Konsumsi 2,156,792,033,592 1,363,402,902,086 Consumer
Jumlah 8,641,361,198,368 6,886,590,637,139 Total
Cadangan kerugian Allowance for
penurunan nilai (157,203,984,583) (101,157,646,346) Impairment losses
Jumlah kredit yang diberikan Total loans to
kepada pihak ketiga - neto 8,484,157,213,785 6,785,432,990,793 third parties - net
Jumlah - neto 8,983,003,019,282 7,373,550,942,873 Total - net
Tingkat suku bunga rata-rata per tahun The average interest rates per annum are
adalah sebagai berikut: as follows:
2025 2024
Modal Kerja 7.25% 11.28% Working Capital
Investasi 9.50% 11.00% Investment
Konsumsi 45.30% 51.35% Consumer
63
Page 636
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. Berdasarkan sektor ekonomi b. By type of economic sector
Jenis 2025 2024 Type
Rupiah Rupiah
Pihak berelasi Related parties
Perantara Keuangan 302,526,000,000 -- Financial intermediaries
Real estate , usaha persewaan dan Real estate, leasing services and
jasa perusahaan 196,750,000,000 391,580,000,000 servicing company
Perdagangan Besar dan eceran -- 199,750,000,000 Wholesale and retail
Rumah tangga 93,762,656 113,894,975 Households
Jumlah 499,369,762,656 591,443,894,975 Total
Cadangan kerugian Allowances for
penurunan nilai (523,957,159) (3,325,942,895) impairment losses
Jumlah kredit yang diberikan Total loans to
kepada pihak berelasi - neto related parties - net
(Catatan 37) 498,845,805,497 588,117,952,080 (Note 37)
Pihak ketiga Third parties
Industri pengolahan 1,889,019,064,789 1,448,750,650,366 Manufacturing
Real estate , usaha persewaan Real estate, leasing services
dan jasa perusahaan 1,752,043,119,437 3,195,810,548,333 and servicing company
Pertambangan dan penggalian 1,093,873,598,221 291,420,098,221 Mining and excavation
Rumah tangga 904,835,683,444 1,363,562,035,506 Households
Pertanian, perburuan Agriculture,
dan kehutanan 418,355,701,427 328,218,365,385 hunting and forestry
Perdagangan Besar dan eceran 269,918,107,828 -- Wholesale and retail
Perantara keuangan 156,523,889,630 114,724,964,490 Financial intermediaries
Transportasi, Pergudangan Transportation, warehousing
dan komunikasi -- 116,796,237,596 and communication
Lain-lain 2,156,792,033,592 27,307,737,242 Others
Jumlah 8,641,361,198,368 6,886,590,637,139 Total
Cadangan kerugian Allowances for
penurunan nilai (157,203,984,583) (101,157,646,346) impairment losses
Jumlah kredit yang diberikan Total loans to
kepada pihak ketiga - neto 8,484,157,213,785 6,785,432,990,793 third parties - net
Jumlah - neto 8,983,003,019,282 7,373,550,942,873 Total - net
c. Berdasarkan jangka waktu c. By loan period
Klasifikasi kredit yang diberikan Loans classification by loan agreements
berdasarkan perjanjian kredit dan sisa and the remaining maturity are as follows:
umur jatuh tempo adalah sebagai berikut:
Berdasarkan jangka waktu perjanjian By term of loan agreements
kredit
2025 2024
Sampai dengan 1 tahun 3,011,310,836,295 900,159,133,420 Until 1 year
Lebih dari 1 - 2 tahun 66,614,583,336 1,363,424,264,702 Over 1 - 2 years
Lebih dari 2 - 5 tahun 1,288,228,599,636 563,358,726,329 Over 2 - 5 years
Lebih dari 5 tahun 4,774,576,941,757 4,651,092,407,663 Over 5 years
Jumlah 9,140,730,961,024 7,478,034,532,114 Total
Cadangan kerugian penurunan
nilai (157,727,941,742) (104,483,589,241) Allowance for impairment losses
Jumlah kredit yang diberikan - neto 8,983,003,019,282 7,373,550,942,873 Total loans - net
64
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Berdasarkan sisa umur jatuh tempo By remaining maturity
2025 2024
Sampai dengan 1 tahun 3,525,182,689,137 2,260,841,541,773 Until 1 year
Lebih dari 1 - 2 tahun 1,548,818,435,014 937,198,500,487 Over 1 - 2 years
Lebih dari 2 - 5 tahun 702,886,416,260 3,255,823,851,893 Over 2 - 5 years
Lebih dari 5 tahun 3,363,843,420,613 1,024,170,637,961 Over 5 years
Jumlah 9,140,730,961,024 7,478,034,532,114 Total
Cadangan kerugian penurunan
nilai (157,727,941,742) (104,483,589,241) Allowance for impairment losses
Jumlah kredit yang diberikan - neto 8,983,003,019,282 7,373,550,942,873 Total loans - net
d. Pinjaman sindikasi d. Syndicated loans
Pinjaman sindikasi merupakan pinjaman Syndicated loans represent loans provided
yang diberikan kepada debitur to debtors based on syndication
berdasarkan perjanjian pembiayaan agreements with other banks.
bersama dengan bank-bank lain.
Keikutsertaan bank dalam pinjaman Bank’s participation in syndicated
sindikasi dengan bank-bank lain adalah loans with other banks amounted
sebesar Rp2.663.501.164.106 dan to Rp2,663,501,164,106 and
Rp1.132.485.516.070 pada tanggal Rp1,132,485,516,070 as of December 31,
31 Desember 2025 dan 2024. 2025 and 2024, respectively.
Keikutsertaan bank dalam pinjaman Bank’s participation in syndicated loans, in
sindikasi, dimana bank bertindak sebagai which bank acts as the syndication
anggota sindikasi adalah sebagai berikut: member, is as follows:
2025 2024
% Partisipasi 0.91%-45.95% 0.80% - 22.29% % Participation
e. Berdasarkan kolektibilitas sesuai e. By Financial Services Authority Regulation
Peraturan OJK collectibility
Kolektabilitas kredit yang diberikan sesuai Collectibility loans in accordance with the
dengan peraturan OJK diungkapkan pada Financial Services Authority Regulation are
Catatan 46f. disclosed in Note 46f.
f. Kredit bermasalah dan cadangan kerugian f. Non-performing loans and allowance for
penurunan nilai menurut sektor ekonomi impairment losses by economic sector
Rasio kredit bermasalah sesuai dengan The non-performing loans ratio in
peraturan OJK diungkapkan pada accordance with the OJK regulation are
Catatan 46f. disclosed in Note 46f.
g. Kredit yang direstrukturisasi g. Restructured loans
Tidak ada kredit yang direstrukturisasi oleh There were no restructured loans by the
Bank pada tahun 31 Desember 2025 dan Bank in the year December 31, 2025 and
2024. 2024.
h. Perubahan nilai bruto dan cadangan h. Movement of gross carrying amount and
kerugian penurunan nilai allowance for impairment losses
Perubahan nilai tercatat bruto adalah Movements in the gross carrying amount
sebagai berikut: are as follows:
65
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
31 Desember/ December 31 , 2025
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 7,364,365,627,090 52,764,443,271 60,904,461,753 7,478,034,532,114 Initial gross carrying amount
Aset baru 4,765,852,684,168 52,723,717,153 61,239,077,776 4,879,815,479,097 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (1,501,445,123,614) (1,518,643,062) (444,544,806) (1,503,408,311,482) (exclude write off)
Transfer ke Tahap 1 (146,944,393,173) 58,724,222,695 88,220,170,478 -- Transfer to Stage 1
Transfer ke Tahap 2 9,226,473 (60,280,799) 51,054,326 -- Transfer to Stage 2
Transfer ke Tahap 3 (213,697,558,245) (101,932,897,796) 315,630,456,041 -- Transfer to Stage 3
Pengukuran kembali (1,388,369,547,092) 50,749,181,376 (9,655,539) (1,337,630,021,255) Remeasurement
Penghapusbukuan -- -- (376,080,717,450) (376,080,717,450) Write off
Nilai tercatat bruto akhir 8,879,770,915,607 111,449,742,838 149,510,302,579 9,140,730,961,024 Ending gross carrying amount
31 Desember/ December 31 , 2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 7,364,698,588,520 15,008,862,131 6,000,416,632 7,385,707,867,283 Initial gross carrying amount
Aset baru 2,545,178,643,829 30,833,445,599 24,644,828,488 2,600,656,917,916 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (1,145,084,234,247) (6,000,000) (20,000,000) (1,145,110,234,247) (exclude write off)
Transfer ke Tahap 1 (58,156,257,866) 21,907,231,996 36,249,025,870 -- Transfer to Stage 1
Transfer ke Tahap 2 55,321,279 (65,928,674) 10,607,395 -- Transfer to Stage 2
Transfer ke Tahap 3 (51,911,450,603) (14,248,695,484) 66,160,146,087 -- Transfer to Stage 3
Pengukuran kembali (1,290,414,983,822) (664,472,297) (224,814,577) (1,291,304,270,696) Remeasurement
Penghapusbukuan -- -- (71,915,748,142) (71,915,748,142) Write off
Nilai tercatat bruto akhir 7,364,365,627,090 52,764,443,271 60,904,461,753 7,478,034,532,114 Ending gross carrying amount
Perubahan cadangan kerugian penurunan The movements in the allowance for
nilai adalah sebagai berikut: impairment losses are as follows:
2025
Kerugian kredit Kerugian kredit
ekspektasi ekspektasi
sepanjang sepanjang
Kerugian kredit umurnya-kredit umurnya-kredit
Ekspektasi 12 tidak memburuk/ memburuk/
Bulan/12 monts Lifetime ECL no Lifetime ECL
ECL credit impaired credit impaired Jumlah/Total
Saldo awal 58,977,782,100 14,471,918,996 31,033,888,145 104,483,589,241 Beginning balance
Transfer ke kerugian kredit
ekspektasi 12 bulan (26,496,072) 22,407,912 4,088,160 -- Transfer to 12 months ECL
Transfer ke kerugian kredit
ekspektasi sepanjang
umurnya - kredit tidak Transfer to lifetime ECL
memburuk 519,894,611 (519,894,611) -- -- no credit impaired
Transfer ke kerugian kredit
ekspektasi sepanjang
umurnya - kredit Transfer to lifetime ECL
memburuk 1,545,851,625 47,030,765 (1,592,882,390) -- no credit impaired
Perubahan cadangan kerugian Additional of allowance for impairment
penurunan nilai (Catatan 31) (28,127,392,351) 16,565,005,303 440,887,456,999 429,325,069,951 losses (Note 31)
Penerimaan kembali kredit Recoveries of previously
yang telah dihapusbukukan -- -- -- -- write-off loans
Penghapusan selama
tahun berjalan -- -- (376,080,717,450) (376,080,717,450) Write-off during the year
Saldo akhir 32,889,639,913 30,586,468,365 94,251,833,464 157,727,941,742 Ending balance
2024
Kerugian kredit Kerugian kredit
ekspektasi ekspektasi
sepanjang sepanjang
Kerugian kredit umurnya-kredit umurnya-kredit
Ekspektasi 12 tidak memburuk/ memburuk/
Bulan/12 monts Lifetime ECL no Lifetime ECL
ECL credit impaired credit impaired Jumlah/Total
Saldo awal 55,923,684,496 3,944,166,598 2,330,276,885 62,198,127,979 Beginning balance
Transfer ke kerugian kredit
ekspektasi 12 bulan (25,084,665,212) 6,018,730,585 19,065,934,627 -- Transfer to 12 months ECL
Transfer ke kerugian kredit
ekspektasi sepanjang
umurnya - kredit tidak Transfer to lifetime ECL
memburuk 3,042,541 (7,293,985) 4,251,444 -- no credit impaired
Transfer ke kerugian kredit
ekspektasi sepanjang
umurnya - kredit Transfer to lifetime ECL
memburuk 442,920 -- (442,920) -- no credit impaired
Penambahan cadangan kerugian Additional of allowance for impairment
penurunan nilai (Catatan 31) 28,135,277,355 4,516,315,798 81,549,616,251 114,201,209,404 losses (Note 31)
Penerimaan kembali kredit Recoveries of previously
yang telah dihapusbukukan -- -- -- -- write-off loans
Penghapusan selama
tahun berjalan -- -- (71,915,748,142) (71,915,748,142) Write-off during the year
Saldo akhir 58,977,782,100 14,471,918,996 31,033,888,145 104,483,589,241 Ending balance
66
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Manajemen berpendapat bahwa jumlah The management believes that the
cadangan kerugian penurunan nilai atas allowance for impairment losses on loans
kredit yang diberikan telah memadai. were adequate.
11. Pendapatan Bunga yang Masih akan 11. Interest Receivables
Diterima
Pada tanggal 31 Desember 2025 dan 2024, As at December 31, 2025 and 2024, the details
rincian pendapatan bunga yang masih akan of interest receivables are as follows:
diterima adalah sebagai berikut:
2025 2024
Pihak berelasi (Catatan 37) Related parties (Note 37)
Kredit yang diberikan 512,374,121 3,381,535,875 Loans
Efek-efek 414,375,000 -- Marketable securities
Penempatan pada bank lain 50,000,350 366,319,444 Placement with other banks
976,749,471 3,747,855,319
Pihak ketiga Third parties
Kredit yang diberikan 57,591,778,705 23,829,509,406 Loans
Efek-efek 105,694,913,563 25,697,616,851 Marketable securities
Penempatan pada Bank Indonesia -- 72,895,406 Placements with Bank Indonesia
163,286,692,268 49,600,021,663
Jumlah 164,263,441,739 53,347,876,982 Total
12. Biaya Dibayar Di Muka 12. Prepaid Expenses
2025 2024
Pemeliharaan perangkat lunak 46,059,353,670 18,178,520,206 Software maintenance
Iklan dan promosi 5,982,099,459 8,966,671,475 Advertising and promotions
Verfikasi data nasabah 2,166,250,000 -- Customer data verification
Iuran keanggotaan 306,763,640 1,039,695,682 Membership fee
Asuransi 15,305,186 11,859,186 Insurance
Lainnya 260,305,194 -- Others
Jumlah 54,790,077,149 28,196,746,549 Total
Pemeliharaan perangkat lunak Software maintenance
Pemeliharaan perangkat lunak merupakan Software maintenance represents advance
pembayaran di muka atas lisensi dan kontrak payments for licenses and information system
jasa pemeliharaan sistem informasi. maintenance service contracts.
Iklan dan promosi Advertising and promotions
Iklan dan promosi merupakan uang muka Advertising and promotions represent advances
kepada pihak ketiga untuk kegiatan pemasaran to third parties for marketing activities to be
yang akan direalisasikan pada periode realized in the subsequent period.
berikutnya.
Verifikasi data nasabah Customer data verification
Verifikasi data nasabah mencakup saldo kuota Customer data verification includes prepaid
prabayar kepada pihak ketiga penyedia quota balances to third-party providers of
layanan verifikasi identitas dan data. identity and data verification services.
Iuran keanggotaan Membership fee
Iuran keanggotaan merupakan pembayaran di Membership fees represent advance payments
muka untuk keanggotaan asosiasi industri dan for memberships in industry and professional
profesional. associations.
67
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Asuransi Insurance
Asuransi merupakan premi asuransi yang Insurance represents insurance premiums not
belum jatuh tempo atas polis asuransi yet due for the Company’s insurance policies.
perusahaan.
13. Aset Tetap dan Aset Hak Guna 13. Fixed Assets and Right-Of-Use-Assets
2025
1 Januari/ 31 Desember/
January 1, Penambahan/ Pelepasan/ Reklasifikasi/ December 31,
2025 Additions Disposals Reclasifications 2025
Kepemilikan langsung Direct ownership
Model biaya: At cost model:
Renovasi bangunan Building renovations
atau instalasi 65,379,580,845 78,126,462 (9,648,120) -- 65,448,059,187 or installations
Kendaraan 2,333,826,000 19,798,000 -- -- 2,353,624,000 Vehicles
Peralatan kantor 259,388,484,395 4,160,273,327 -- -- 263,548,757,722 Office equipment
Aset dalam penyelesaian -- -- -- -- -- Asset under construction
Jumlah harga perolehan 327,101,891,240 4,258,197,789 (9,648,120) -- 331,350,440,909 Total cost
Aset hak guna 58,120,410,677 5,517,573,426 -- -- 63,637,984,103 Right-of-use of assets
Jumlah 385,222,301,917 9,775,771,215 (9,648,120) -- 394,988,425,012 Total
Akumulasi penyusutan Accumulated depreciation
Model biaya: At cost model:
Renovasi bangunan Building renovations
atau instalasi 14,152,928,808 8,944,380,702 (178,810) -- 23,097,130,700 or installations
Kendaraan 950,036,683 462,364,134 -- -- 1,412,400,817 Vehicles
Peralatan kantor 62,087,455,430 38,077,901,479 -- -- 100,165,356,909 Office equipment
77,190,420,921 47,484,646,315 (178,810) -- 124,674,888,426
Aset hak guna 35,492,794,975 13,752,225,535 -- -- 49,245,020,510 Right-of-use of assets
Jumlah akumulasi Total accumulated
penyusutan 112,683,215,896 61,236,871,850 (178,810) -- 173,919,908,936 depreciation
Jumlah tercatat - neto 272,539,086,021 221,068,516,076 Net carrying amount
2024
1 Januari/ 31 Desember/
January 1, Penambahan/ Pelepasan/ Reklasifikasi/ December 31,
2024 Additions Disposals Reclasifications 2024
Kepemilikan langsung Direct ownership
Model biaya: At cost model:
Renovasi bangunan Building renovations
atau instalasi 24,142,555,581 540,537,514 -- 40,696,487,750 65,379,580,845 or installations
Kendaraan 2,316,215,000 17,611,000 -- -- 2,333,826,000 Vehicles
Peralatan kantor 116,900,948,085 110,526,580,255 -- 31,960,956,055 259,388,484,395 Office equipment
Aset dalam penyelesaian 72,657,443,805 -- -- (72,657,443,805) -- Asset under construction
Jumlah harga perolehan 216,017,162,471 111,084,728,769 -- -- 327,101,891,240 Total cost
Aset hak guna 51,584,036,714 7,350,323,001 (813,949,038) -- 58,120,410,677 Right-of-use of assets
Jumlah 267,601,199,185 118,435,051,770 (813,949,038) -- 385,222,301,917 Total
Akumulasi penyusutan Accumulated depreciation
Model biaya: At cost model:
Renovasi bangunan Building renovations
atau instalasi 6,672,446,633 7,480,482,175 -- -- 14,152,928,808 or installations
Kendaraan 488,400,083 461,636,600 -- -- 950,036,683 Vehicles
Peralatan kantor 34,701,238,341 27,386,217,089 -- -- 62,087,455,430 Office equipment
41,862,085,057 35,328,335,864 -- -- 77,190,420,921
Aset hak guna 23,214,801,158 12,549,310,163 (271,316,346) -- 35,492,794,975 Right-of-use of assets
Jumlah akumulasi Total accumulated
penyusutan 65,076,886,215 47,877,646,027 (271,316,346) -- 112,683,215,896 depreciation
Jumlah tercatat - neto 202,524,312,970 272,539,086,021 Net carrying amount
Aset tetap Fixed assets
Beban penyusutan aset tetap yang dibebankan Depreciation expense of fixed assets charged
pada beban umum dan administrasi untuk to general and administrative expenses for the
tahun-tahun yang berakhir pada tanggal years ended December 31, 2025 and 2024 are
31 Desember 2025 dan 2024 adalah masing- Rp47,484,646,315 and Rp35,328,335,864,
masing sebesar Rp47.484.646.315 dan respectively (Note 32a).
Rp35.328.335.864 (Catatan 32a).
Aset tetap kecuali tanah, diasuransikan Fixed assets except for land, are covered by
terhadap kebakaran dan risiko kerugian lainnya insurance against losses by fire and other risks
kepada PT Asuransi Umum Mega, pihak PT Asuransi Umum Mega, a related party, with
berelasi, dengan jumlah pertanggungan sum insured amounting to Rp197,951,883,486
masing-masing sebesar Rp197.951.883.486 and Rp153,285,546,256 as at
68
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
dan Rp153.285.546.256 pada tanggal December 31, 2025 anda 2024, respectively.
31 Desember 2025 dan 2024. Manajemen Management believes that the insurance
berpendapat bahwa nilai pertanggungan coverage is adequate to cover possible losses.
tersebut telah memadai untuk menutup
kemungkinan terjadi kerugian.
Manajemen berpendapat bahwa tidak terdapat Management believes that there is no
perbedaan yang signifikan antara nilai wajar significant difference between the fair value
dan nilai tercatat aset selain tanah dan and carrying value of assets other than land
bangunan jika diukur menggunakan nilai wajar. and buildings if have been measured at fair
value basis.
Berdasarkan penelaahan aset tetap secara By individual review of fixed assets at the end
individual pada akhir tahun, manajemen Bank of the year, the Bank’s management believes
berpendapat bahwa tidak ada indikasi there is no indication for impairment in the
penurunan nilai aset tetap yang dimiliki oleh value of Bank’s fixed assets.
Bank.
Pada tanggal 31 Desember 2025 dan 2024, As at December 31, 2025 and 2024, the gross
jumlah tercatat bruto dari setiap aset tetap amount of fixed assets which have been fully
yang telah disusutkan penuh dan masih depreciated and are still used amounted to
digunakan adalah masing-masing sebesar Rp7,352,633,076 and Rp5,645,247,749,
Rp7.352.633.076 dan Rp5.645.247.749. respectively.
Aset hak-guna Right-of-use assets
Aset hak-guna per 31 Desember 2025 dan Right-of-use assets as of December 31, 2025
2024 adalah sebagai berikut: and 2024 are as follows:
2025
Saldo awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Saldo akhir/
Beginning balance Addition Deductions Reclassification Ending balance
Biaya perolehan Acquisition cost
Bangunan 58,120,410,677 5,517,573,426 -- -- 63,637,984,103 Buildings
58,120,410,677 5,517,573,426 -- -- 63,637,984,103
Akumulasi penyusutan Accumulated depreciation
Bangunan 35,492,794,975 13,752,225,535 -- -- 49,245,020,510 Buildings
35,492,794,975 13,752,225,535 -- -- 49,245,020,510
Nilai buku-neto 22,627,615,702 14,392,963,593 Net book value
2024
Saldo awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Saldo akhir/
Beginning balance Addition Deductions Reclassification Ending balance
Biaya perolehan Acquisition cost
Bangunan 51,584,036,714 7,350,323,001 (813,949,038) -- 58,120,410,677 Buildings
51,584,036,714 7,350,323,001 (813,949,038) -- 58,120,410,677
Akumulasi penyusutan Accumulated depreciation
Bangunan 23,214,801,158 12,549,310,163 (271,316,346) -- 35,492,794,975 Buildings
23,214,801,158 12,549,310,163 (271,316,346) -- 35,492,794,975
Nilai buku-neto 28,369,235,556 22,627,615,702 Net book value
Beban penyusutan aset hak-guna untuk Depreciation expense of right-of-use assets for
periode yang berakhir pada tanggal the period ended December 31, 2025 and 2024
31 Desember 2025 dan 2024 masing-masing amounted to Rp13,752,225,535 and
sebesar Rp13.752.225.535 dan Rp12,549,310,163 respectively (Note 32a).
Rp12.549.310.163 (Catatan 32a).
Berikut ini ringkasan komponen liabilitas sewa The following summarize the component of
yang disajikan pada laporan laba rugi dan lease liabilities presented in statement of profit
laporan arus kas: or loss and statement of cash flows:
69
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2025 2024
Jumlah diakui di laba rugi Amounts recognized in profit loss
Beban bunga atas liabilitas sewa (Catatan 32) 2,002,461,734 1,457,410,688 Interest expense on lease liabilities (Note 32)
Beban penyusutan aset hak guna (Catatan 32) 13,752,225,535 12,549,310,163 Depreciation of right of used assets (Note 32)
Beban terkait liabilitas sewa dengan Expenses relating to short-term or
nilai rendah atau jangka pendek (Catatan 32) 2,616,635,471 1,208,829,806 low value lease liabilities (Note 32)
Jumlah diakui dalam laporan arus kas Amounts recognized in cash flows
Jumlah kas keluar untuk Total cash outflow
pembayaran liabilitas sewa (13,583,350,717) (13,983,764,315) for payment of leases liabilities
Rekonsiliasi liabilitas sewa adalah sebagai The reconciliation of lease liabilities are as
berikut: follows:
2025 2024
Saldo awal 19,920,194,310 25,638,857,628 Beginning balance
Arus kas (13,583,350,717) (13,983,764,315) Cash Flow
Perubahan non kas Non-cash movement
Beban bunga (Catatan 32) 2,002,461,734 1,457,410,688 Interest expense (Note 32)
Penambahan 5,517,573,426 7,350,323,001 Additions
Pelepasan -- (542,632,692) Disposals
Saldo akhir (Catatan 23) 13,856,878,753 19,920,194,310 Ending balance (Note 23)
14. Aset Takberwujud 14. Intangible Assets
2025
1 Januari/ 31 Desember/
January 1, Penambahan/ Pengurangan/ Reklasifikasi/ December 31,
2025 Additions Disposals Reclassifications 2025
Harga perolehan At cost
Perangkat lunak 98,978,248,701 -- -- -- 98,978,248,701 Software
Jumlah harga perolehan 98,978,248,701 -- -- -- 98,978,248,701 Total cost
Akumulasi amortisasi Accumulated amortization
Perangkat lunak 47,096,471,040 16,914,710,131 -- -- 64,011,181,171 Software
Nilai tercatat - neto 51,881,777,661 -- 34,967,067,530 Net carrying value
2024
1 Januari/ 31 Desember/
January 1, Penambahan/ Pengurangan/ Reklasifikasi/ December 31,
2024 Additions Disposals Reclassifications 2024
Harga perolehan At cost
Perangkat lunak 80,279,624,033 8,660,134,144 -- 10,038,490,524 98,978,248,701 Software
Aset dalam penyelesaian 10,038,490,524 -- -- (10,038,490,524) -- Asset under construction
Jumlah harga perolehan 90,318,114,557 8,660,134,144 -- -- 98,978,248,701 Total cost
Akumulasi amortisasi Accumulated amortization
Perangkat lunak 30,338,354,327 16,758,116,713 -- -- 47,096,471,040 Software
Nilai tercatat - neto 59,979,760,230 -- 51,881,777,661 Net carrying value
Beban amortisasi yang dibebankan dalam Amortization expense charged to general and
beban umum dan administrasi untuk tahun- administrative expenses for the years ended
tahun yang berakhir 31 Desember 2025 dan December 31, 2025 and 2024 amounted to
2024 adalah masing-masing sebesar Rp16,914,710,131 and Rp16,758,116,713
Rp16.914.710.131 dan Rp16.758.116.713 respectively (Note 32a).
(Catatan 32a).
Manajemen berpendapat bahwa tidak terdapat Management believes that there is no
penurunan nilai atas aset takberwujud pada impairment in intangible assets as
tanggal 31 Desember 2025 dan 2024. December 31, 2025 and 2024.
70
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
15. Aset Lain-Lain 15. Other Assets
2025 2024
Tagihan transaksi delivery channel 89,472,749,484 89,154,863,966 Claim for transaction delivery channel
Setoran jaminan 2,702,942,028 2,701,148,126 Security deposits
Persediaan buku, barang cetakan Inventories of books, printed
dan materai 1,273,813,242 1,266,269,922 materials and stamp duty
Uang muka -- 32,074,929,684 Advance payment
Jumlah 93,449,504,754 125,197,211,698 Total
Tagihan transaksi delivery channel Claim for transaction delivery channel
Tagihan transaksi delivery channel merupakan Delivery channel transaction receivables
penempatan dana untuk penyelesaian represent fund placements for the settlement of
transaksi QRIS yang dikelola oleh PT Rintis QRIS transactions managed by PT Rintis
Sejahtera, serta tagihan kepada pihak ketiga Sejahtera, as well as receivables from third
terkait transaksi melalui switching dan jaringan parties related to transactions conducted
ATM. through switching and ATM networks.
Setoran Jaminan Security Deposits
Setoran jaminan terdiri atas deposit ATM Security deposits consist of deposits in ATM
ALTO, ATM PRIMA, deposit jaringan telepon ALTO, ATM PRIMA, line telephone deposits
dan deposit sewa. and rent deposits.
Uang Muka Advance Payment
Uang muka merupakan uang muka atas Advance payment represents an advance for
kerjasama infrastruktur teknologi produk dan technology infrastructure collaborations for
layanan digital. digital products and services.
16. Liabilitas Segera 16. Obligations Due Immediately
Liabilitas segera terutama terdiri dari transaksi Obligations due immediately mainly consist of
kliring atau transfer nasabah yang belum clearing transactions or unsettled customers’
diselesaikan. money transfer.
17. Efek-Efek yang Dijual dengan Janji Dibeli 17. Securities Sold Under Repurchased
Kembali Agreement
2025
Liabilitas Beban bunga
pembelian yang belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Repurchased Unamortised Carrying
Counterparties Type of securities amount Starting date Maturity date liabilities interest value
Pihak ketiga/
Third parties
Bank Indonesia Obligasi Pemerintah/ 29 Desember / 5 Januari /
Government Bonds 250,000,000,000 December 29, 2025 January 5, 2026 272,354,603,531 146,630,589 272,207,972,942
PT BPD Jawa Timur Tbk Obligasi Pemerintah/
Government Bonds 500,000,000,000 30 Desember / 5 Januari / 482,104,895,616 256,917,078 481,847,978,538
December 30, 2025 January 5, 2026
750,000,000,000 754,459,499,147 403,547,667 754,055,951,480
71
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2024
Liabilitas Beban bunga
pembelian yang belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Repurchased Unamortised Carrying
Counterparties Type of securities amount Starting date Maturity date liabilities interest value
Pihak ketiga/
Third parties
Bank Indonesia Obligasi Pemerintah/ 30 Desember / 6 Januari /
Government Bonds 300,000,000,000 December 30, 2024 January 6, 2025 286,273,121,719 248,630,469 286,521,752,188
300,000,000,000 286,273,121,719 248,630,469 286,521,752,188
Tingkat suku bunga rata-rata tertimbang The weighted average of interest rate per
setahun untuk efek-efek yang dijual dengan annum for securities sold under repurchased
janji dibeli kembali untuk tahun berakhir pada agreement for the year ended December 31,
31 Desember 2025 dan 2024 yang masing – 2025 and 2024 was repectively 4,75% and
masing adalah 4.75% dan 6.25%. 6,25%.
Informasi mengenai jatuh tempo diungkapkan Information in respect of maturities are
pada Catatan 41. Informasi mengenai disclosed in Note 41. Information with regards
klasifikasi dan nilai wajar diungkapkan pada to the classification and fair value are disclosed
Catatan 42. in Note 42.
18. Simpanan Nasabah 18. Deposits from Customers
Simpanan nasabah berdasarkan jenis dan Deposits from customers by type and currency
mata uang terdiri dari: consists of:
2025 2024
Mata uang asing Ekuivalen Rupiah / Mata uang asing Ekuivalen Rupiah /
Foreign currency Equivalent in Rupiah Foreign currency Equivalent in Rupiah
Rupiah Rupiah
Giro -- 461,952,275,968 -- 85,335,979,606 Current accounts
Tabungan -- 915,093,360,834 -- 693,272,051,910 Saving deposits
Deposito berjangka -- 7,351,268,704,177 -- 5,316,510,005,517 Time deposits
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Giro 4,715,805 78,636,056,379 -- -- Current accounts
Tabungan 1,389,186 23,164,677,050 -- -- Saving accounts
Deposito berjangka 41,311,786 688,874,035,719 -- -- Time deposits
Jumlah 47,416,777 9,518,989,110,127 -- 6,095,118,037,033 Total
a. Giro terdiri dari: a. Current accounts consists of:
2025 2024
Mata uang asing Ekuivalen Rupiah / Mata uang asing Ekuivalen Rupiah /
Rupiah Foreign currency Equivalent in Rupiah Foreign currency Equivalent in Rupiah Rupiah
Pihak berelasi (Catatan 37) -- 15,874,994,821 -- 27,723,748,849 Related parties (Note 37)
Pihak ketiga -- 446,077,281,147 -- 57,612,230,757 Third parties
Mata uang asing Foreign currency
Pihak ketiga 4,715,805 78,636,056,379 -- -- Third parties
Jumlah 4,715,805 540,588,332,347 -- 85,335,979,606 Total
Tingkatan suku bunga rata-rata per tahun: The average interest rates per annum:
2025 2024
Tingkat suku bunga The average interest
rata-rata per tahun rates per annum
Rupiah 2.95% 2.41% Rupiah
Dolar Amerika Serikat 1.00% 0.00% United States Dollar
Tidak terdapat giro yang diblokir dan There are no current accounts restricted
dijadikan jaminan kredit atau fasilitas and pledged as loan collateral or other
perbankan lainnya pada tanggal banking facility as at December 31, 2025
31 Desember 2025 dan 2024. and 2024.
72
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Giro dalam mata uang asing berupa Dolar Current accounts in foreign currency in the
Amerika Serikat. form of United states dollars.
b. Tabungan terdiri dari: b. Saving deposits consists of:
2025 2024
Mata uang asing Ekuivalen Rupiah / Mata uang asing Ekuivalen Rupiah /
Foreign currency Equivalent in Rupiah Foreign currency Equivalent in Rupiah
Pihak berelasi (Catatan 37) Related parties (Note 37)
Tabungan Allo Prime -- -- -- -- Allo Prime Saving
Tabungan Allo Grow -- -- -- -- Allo Grow Saving
Tabungan Lainnya -- 3,797,944 -- -- Other Saving
Total pihak berelasi -- 3,797,944 -- -- Total related parties
Pihak ketiga Third parties
Rupiah Rupiah
Tabungan Allo Prime -- 647,371,420,404 -- 524,958,912,418 Allo Prime Saving
Tabungan Allo Grow -- 267,239,306,724 -- 168,175,112,581 Super Saving
Tabungan Lainnya -- 478,835,762 -- 138,026,911 Other Saving
Mata uang asing Foreign currency
Tabungan Valas 1,389,186 23,164,677,050 -- Foreign currency savings
Total pihak ketiga 1,389,186 938,254,239,940 -- 693,272,051,910 Total foreign currency
Jumlah tabungan 1,389,186 938,258,037,884 -- 693,272,051,910 Total saving deposits
Tingkatan suku bunga rata-rata per tahun: The average interest rates per annum:
2025 2024
Tingkat suku bunga The average interest
rata-rata per tahun rates per annum
Rupiah 3.00% 4.17% Rupiah
Dolar Amerika Serikat 0.50% 0.00% United States Dollar
Tidak terdapat tabungan yang diblokir dan There are no saving accounts restricted and
dijadikan jaminan kredit atau fasilitas pledged as loan collateral or other banking
perbankan lainnya pada tanggal facility as at December 31, 2025 and 2024.
31 Desember 2025 dan 2024.
Tabungan dalam mata uang asing berupa Saving accounts in foreign currency in the
Dolar Amerika Serikat. form of United states dollars.
c. Deposito berjangka terdiri dari: c. Time deposits consists of:
2025 2024
Mata uang asing Ekuivalen Rupiah / Mata uang asing Ekuivalen Rupiah /
Foreign currency Equivalent in Rupiah Foreign currency Equivalent in Rupiah
Rupiah Rupiah
Pihak berelasi (Catatan 37) -- 705,168,270,168 -- 187,478,189,054 Related parties (Note 37)
Pihak ketiga -- 6,646,100,434,009 -- 5,129,031,816,463 Third parties
Mata uang asing Foreign currency
Pihak ketiga 41,311,786 688,874,035,719 -- -- Third parties
Jumlah 41,311,786 8,040,142,739,896 -- 5,316,510,005,517 Total
Tingkatan suku bunga rata-rata per tahun: The average interest rates per annum:
2025 2024
Tingkat suku bunga The average interest rates
rata-rata per tahun per annum
Rupiah 5.00% 6.54% Rupiah
Dolar Amerika Serikat 4.32% 0.00% United States Dollar
73
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Rincian deposito berjangka berdasarkan The details of time deposits as at December
jatuh tempo pada tanggal 31 Desember 31, 2025 and 2024 by maturity are as
2025 dan 2024 adalah sebagai berikut: follows:
Deposito Berjangka dalam mata uang Time deposits in foreign currency in the
asing berupa Dolar Amerika Serikat. form of United states dollars.
Berdasarkan jangka waktu kontrak By terms of the contract
2025 2024
Pihak berelasi Related parties
< 1 bulan 103,665,000,000 42,200,000,000 < 1 month
1 bulan 85,807,440,290 145,278,189,054 1 month
3 bulan 508,979,395,830 -- 3 months
6 bulan 3,333,964,027 -- 6 months
Lebih dari 6 bulan 3,382,470,021 -- Over 6 months
Jumlah pihak berelasi 705,168,270,168 187,478,189,054 Total related parties
Pihak ketiga Third parties
< 1 bulan 2,246,705,000,000 1,963,897,500,811 < 1 month
1 bulan 3,494,047,691,112 1,778,967,560,310 1 month
3 bulan 809,307,827,593 1,186,581,658,883 3 months
6 bulan 535,931,506,508 121,986,301,364 6 months
Lebih dari 6 bulan 248,982,444,515 77,598,795,095 Over 6 months
Jumlah pihak ketiga 7,334,974,469,728 5,129,031,816,463 Total third parties
Jumlah 8,040,142,739,896 5,316,510,005,517 Total
Berdasarkan sisa umur jatuh tempo By remaining period until maturity
2025 2024
Pihak berelasi Related parties
Sampai dengan 1 bulan 697,295,663,659 187,478,189,054 Until 1 month
Lebih dari 1 - 3 bulan 2,384,824,358 -- Over 1 - 3 months
Lebih dari 3 - 6 bulan 3,437,944,356 -- Over 3 - 6 months
Lebih dari 6 - 12 bulan 1,916,845,022 -- Over 6 - 12 months
Lebih dari 12 bulan 132,992,773 -- Over 12 months
Jumlah pihak berelasi 705,168,270,168 187,478,189,054 Total related parties
Pihak ketiga Third parties
Sampai dengan 1 bulan 6,298,311,038,397 3,839,113,489,433 Until 1 month
Lebih dari 1 - 3 bulan 705,346,964,478 1,135,673,551,452 Over 1 - 3 months
Lebih dari 3 - 6 bulan 188,429,640,059 78,445,970,636 Over 3 - 6 months
Lebih dari 6 - 12 bulan 138,120,774,015 73,118,562,404 Over 6 - 12 months
Lebih dari 12 bulan 4,766,052,779 2,680,242,538 Over 12 months
Jumlah pihak ketiga 7,334,974,469,728 5,129,031,816,463 Total third parties
Jumlah 8,040,142,739,896 5,316,510,005,517 Total
Terdapat deposito berjangka yang diblokir There are time deposits restricted and
dan dijadikan jaminan kredit atau fasilitas pledged as loan collateral or other banking
perbankan lainnya pada tanggal facility as at December 31, 2025 and there
31 Desember 2025 dan tidak terdapat are no time deposits restricted and pledged
deposito berjangka yang diblokir dan as loan collateral or other banking
dijadikan jaminan kredit atau fasilitas December 31, 2024.
perbankan lainnya pada tanggal
31 Desember 2024.
74
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
19. Simpanan dari Bank Lain 19. Deposits from Other Banks
Rincian simpanan dari bank lain adalah The details of desposits from other banks are
sebagai berikut: as follows:
2025 2024
Rupiah Rupiah
Pihak berelasi (Catatan 37) Related parties (Note 37)
Giro 9,639,737 11,172,132 Current accounts
Jumlah pihak berelasi 9,639,737 11,172,132 Total related parties
Pihak ketiga Third parties
Giro 37,247,081 5,213,293,307 Current accounts
Call money 300,000,000,000 -- Call money
Jumlah pihak ketiga 300,037,247,081 5,213,293,307 Total third parties
Jumlah 300,046,886,818 5,224,465,439 Total
Call money berdasarkan jangka waktu terdiri Call money based on period consists of:
dari:
2025 2024
Call money Call money
1 bulan 300,000,000,000 -- 1 month
Jumlah 300,000,000,000 -- Total
Tingkat suku bunga rata-rata per tahun: The average interest rates per annum:
2025 2024
Giro 2.00% 4.50% Current accounts
Call money 4.00% 0.00% Call money
Tidak ada simpanan dari bank lain yang There are no deposits from other banks
diblokir dan/atau dijadikan jaminan kredit atau restricted and/or pledged as loan collateral or
transaksi/fasilitas perbankan lainnya pada other banking facility as at December 31, 2025
tanggal 31 Desember 2025 dan 2024. and 2024.
20. Perpajakan 20. Taxation
a. Utang pajak a. Taxes payables
2025 2024
Pajak penghasilan Income taxes
Pasal 4 (2) 6.510.892.940 5.078.566.480 Article 4 (2)
Pasal 21 3.588.421.475 3.910.697.782 Article 21
Pasal 23 719.970.904 597.468.333 Article 23
Pasal 29 29.865.538.182 32.067.418.659 Article 29
PPN 354.274.134 4.760.624.221 VAT
Jumlah 41.039.097.635 46.414.775.475 Total
b. Beban pajak b. Tax expenses
2025 2024
Pajak kini Current tax
Tahun ini (166.626.336.962) (136.765.889.127) Current year
Penyesuaian periode lalu (1.133.233.128) -- Adjustment prior period
Jumlah pajak kini (167.759.570.090) (136.765.889.127) Total current tax
Pajak tangguhan 5.002.717.334 4.922.220.041 Deferred tax
Jumlah (162.756.852.756) (131.843.669.086) Total
75
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Rekonsiliasi antara laba sebelum pajak The reconciliation of income before income
penghasilan menurut laba rugi dengan tax in accordance to the profit or loss with
laba fiskal untuk tahun yang berakhir the estimated taxable income for the years
31 Desember 2025 dan 2024 adalah ended December 31, 2025 and 2024 are as
sebagai berikut: follows:
2025 2024
Laba akuntansi sebelum Accounting Income before
beban pajak - Bank 737.018.415.831 598.949.408.100 tax income - Bank
Beda waktu : Timing differences :
Pemulihan cadangan
kerugian penurunan Reversal for impairment
nilai aset produktif 2.616.930.467 15.725.079.594 losses on earning assets
Imbalan pasca-kerja 5.981.705.412 6.535.718.793 Post-employment benefits
Penyusutan aset tetap dan Depreciation of fixed assets and
amortisasi aset takberwujud 4.698.861.582 89.972.537 amortization of intangible assets
Penyusutan aset hak guna 8.234.652.109 5.741.619.855 Depreciation on right of used assets
Liabilitas sewa (6.063.315.555) (5.718.663.318) Lease liabilities
Jumlah beda waktu 15.468.834.015 22.373.727.461 Total timing differences
Beda tetap : Permanent differences :
Sumbangan 257.000.000 71.000.000 Donations
Lain-lain 4.648.190.890 268.996.835 Others
Jumlah beda tetap 4.905.190.890 339.996.835 Total permanent differences
Penghasilan kena pajak 757.392.440.736 621.663.132.396 Taxable income
Fiscal income (loss) after
Laba (rugi) fiskal setelah kompensasi 757.392.440.736 621.663.132.396 compensation
Beban pajak penghasilan badan 166.626.336.962 136.765.889.127 Corporate income tax expense
Dikurangi : Less :
Pajak dibayar muka PPh pasal 25 (136.760.798.780) (104.698.470.468) Prepaid tax article 25
Utang pajak penghasilan
badan 29.865.538.182 32.067.418.659 Corporate income tax payable
Rekonsiliasi antara beban pajak dengan Reconciliation between tax expense with
laba sebelum pajak dengan tarif pajak income before income tax using enacted
yang berlaku adalah sebagai berikut: tax rate are as follows:
2025 2024
Laba sebelum pajak
penghasilan 737.018.415.831 598.949.408.100 Income before income tax
Pajak penghasilan pada
tarif pajak yang berlaku (162.144.051.483) (131.768.869.782) Income tax at enacted tax rate
Pengaruh pajak atas penghasilan
yang tidak dapat diperhitungkan Tax affects on
menurut fiskal (612.801.273) (74.799.304) non-taxable income
Beban pajak (162.756.852.756) (131.843.669.086) Tax expense
Pada tahun 2025 dan 2024 penyusunan In 2025 and 2024, the Annual Corporate
Surat Pemberitahuan Pajak Tahunan Income Tax Returns were prepared based
didasarkan pada Penghasilan Kena Pajak. on taxable income in accordance with
prevailing tax regulations.
76
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pemeriksaan Pajak Tax Assessment
Berdasarkan Berita Acara Pelaksanaan Based on the Minutes of Meeting regarding
Permintaan Penjelasan atas Data the Request for Explanation of Data and/or
dan/atau Keterangan kepada Wajib Pajak Information to the Taxpayer
No. BA-119/P2DK/KPP.061707/2025 No. BA-119/P2DK/KPP.061707/2025 dated
tanggal 10 September 2025, Bank 10 September 2025, the Bank committed to
berkomitmen melakukan pembayaran settle outstanding principal tax payable
pokok pajak terutang atas PPh Pasal 4 consisting of Article 4(2) Income Tax for
ayat (2) tahun 2022 dan PPN Dalam fiscal year 2022 and Domestic VAT for fiscal
Negeri tahun 2022 dan 2023 sebesar years 2022 and 2023 amounting to
Rp189.428.568 serta PPh Pasal 29 tahun Rp189,428,568, as well as Article 29
2022 dan 2023 sebesar Rp1.080.506.400. Income Tax for fiscal years 2022 and 2023
Pada tanggal 25 September 2025, Bank amounting to Rp1,080,506,400. On 25
telah melakukan pembayaran atas pajak September 2025, the Bank settled the
terutang tersebut dan mencatatnya outstanding taxes and recorded them as tax
sebagai beban pajak pada beban umum expenses under general and administrative
dan administrasi serta beban pajak expenses and income tax expense.
penghasilan.
Berdasarkan Berita Acara Pelaksanaan Based on the Minutes of Meeting regarding
Permintaan Penjelasan atas Data the Request for Explanation of Data and/or
dan/atau Keterangan kepada Wajib Pajak Information to the Taxpayer
No. BA-120/P2DK/KPP.061707/2025 No. BA-120/P2DK/KPP.061707/2025 dated
tanggal 10 September 2025, Bank 10 September 2025, the Bank committed to
berkomitmen melakukan pembayaran settle outstanding principal tax payable
pokok pajak terutang atas PPN Dalam consisting of Domestic VAT for fiscal years
Negeri tahun 2022 dan 2023 sebesar 2022 and 2023 amounting to
Rp306.245.210 serta PPh Pasal 29 tahun Rp306,245,210 and Article 29 Income Tax
2022 dan 2023 sebesar Rp52.726.728. for fiscal years 2022 and 2023 amounting to
Pada tanggal 25 Oktober 2025, Bank telah Rp52,726,728. On 25 October 2025, the
melakukan pembayaran atas pajak Bank settled the outstanding taxes and
terutang tersebut dan mencatatnya recorded them as tax expenses under
sebagai beban pajak pada beban umum general and administrative expenses and
dan administrasi serta beban pajak income tax expense.
penghasilan.
Pada tanggal 10 Oktober 2025, Bank On 10 October 2025, the Bank received a
menerima Surat Tagihan Pajak (STP) atas Tax Collection Letter (STP) relating to
PPh Pasal 29 tahun 2022 dan 2023, PPN Article 29 Income Tax for fiscal years 2022
tahun 2022 dan 2023, serta PPh Pasal 4 and 2023, Domestic VAT for fiscal years
ayat (2) tahun 2022 dengan total sebesar 2022 and 2023, and Article 4(2) Income Tax
Rp384.220.932. Bank telah melakukan for fiscal year 2022 amounting to
pembayaran atas STP tersebut pada Rp384,220,932. The Bank settled the STP
tanggal 23 Oktober 2025 dan mencatatnya on 23 October 2025 and recorded it as tax
sebagai beban pajak pada beban umum expense under general and administrative
dan administrasi. expenses.
Pada tanggal 18 November 2025, Bank On 18 November 2025, the Bank received a
menerima Surat Tagihan Pajak (STP) atas Tax Collection Letter (STP) relating to
PPN tahun 2022 dan 2023 sebesar Domestic VAT for fiscal years 2022 and
Rp688.987.083. Bank telah melakukan 2023 amounting to Rp688,987,083. The
pembayaran atas STP tersebut pada Bank settled the STP on 8 December 2025
tanggal 8 Desember 2025 dan and recorded it as tax expense under
mencatatnya sebagai beban pajak pada general and administrative expenses.
beban umum dan administrasi.
77
Page 650
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
c. Aset pajak tangguhan (Liabilitas pajak c. Deferred tax assets (Deferred tax
tangguhan) liabilities)
2025
Dikreditkan
(dibebankan) Dikreditkan
pada laporan (dibebankan)
laba rugi/ ke penghasilan
Credited komprehensif
Saldo awal/ Penyesuaian (charged) lain/Credited Saldo akhir/
Beginning saldo awal/ Beginning to the income (charged) to other Ending
balance balance adjustment statement income balance
Penyusutan aset tetap, Depreciation of fixed assets,
amortisasi aset amortization of intangible
takberwujud dan surplus assets and surplus
revaluasi aset tetap (3.792.059.792) 1.599.573.850 1.033.749.548 -- (1.158.736.394) revaluation of fixed assets
Perubahan nilai wajar efek-efek
melalui penghasilan Changes on fair value through
komprehensif lain -- -- -- (3.943.854.337) (3.943.854.337) other comprehensive income
Penyisihan kerugian Allowance for impairment
penurunan nilai losses on earning
aset produktif - kredit 513.941.350 -- 575.724.703 -- 1.089.666.053 assets - loans
Liabilitas imbalan Post-employment benefits
pasca-kerja 4.642.692.756 -- 1.315.975.191 963.907.943 6.922.575.890 obligation
Aset hak guna (4.978.075.454) -- 1.811.623.464 -- (3.166.451.990) Right of use assets
Liabilitas sewa 4.382.442.748 -- (1.333.929.422) -- 3.048.513.326 Lease liabilities
Jumlah 768.941.608 1.599.573.850 3.403.143.484 (2.979.946.394) 2.791.712.548 Total
2024
Dikreditkan
(dibebankan) Dikreditkan
pada laporan (dibebankan)
laba rugi/ ke penghasilan
Credited komprehensif
Saldo awal/ Penyesuaian (charged) lain/Credited Saldo akhir/
Beginning saldo awal/ Beginning to the income (charged) to other Ending
balance balance adjustment statement income balance
Penyusutan aset tetap, Depreciation of fixed assets,
amortisasi aset amortization of intangible
takberwujud dan surplus assets and surplus
revaluasi aset tetap (3.811.853.750) -- 19.793.958 -- (3.792.059.792) revaluation of fixed assets
Perubahan nilai wajar efek-efek
melalui penghasilan Changes on fair value through
komprehensif lain (21.468.227.506) -- -- 21.468.227.506 -- other comprehensive income
Penyisihan kerugian Allowance for impairment
penurunan nilai losses on earning
aset produktif - kredit (2.945.576.161) -- 3.459.517.511 -- 513.941.350 assets - loans
Liabilitas imbalan Post-employment benefits
pasca-kerja 3.223.081.107 -- 1.437.858.134 (18.246.485) 4.642.692.756 obligation
Aset hak guna (6.241.231.822) -- 1.263.156.368 -- (4.978.075.454) Right of use assets
Liabilitas sewa 5.640.548.678 --
-- (1.258.105.930) -- 4.382.442.748 Lease liabilities
Jumlah (25.603.259.454) -- 4.922.220.041 21.449.981.021 768.941.608 Total
Manajemen Bank berpendapat bahwa The Bank’s management believes that the
seluruh aset pajak tangguhan dapat total deferred tax assets are recoverable in
dipulihkan di tahun-tahun mendatang. the future years.
21. Bunga yang Masih Harus Dibayar 21. Accrued Interests
Akun ini merupakan bunga yang masih harus This account represents accrued interests of
dibayar atas simpanan nasabah dan bank lain. deposits from customers and other banks.
22. Liabilitas Imbalan Pasca-Kerja 22. Post-Employment Benefits Liabilities
Sesuai dengan Undang-undang Republik In accordance with the law of the Republic of
Indonesia No. 11/2020 tentang Cipta Kerja, Indonesia No. 11/2020 on job creation, banks
Bank wajib memberikan imbalan pasca-kerja are obliged to provide post-employment
kepada karyawannya pada saat pemutusan benefits to their employees upon termination or
hubungan kerja atau pada saat karyawan when the employee completes his / her period
menyelesaikan masa kerjanya. Imbalan pasca of employment. This post-employment benefit
kerja ini diberikan berdasarkan masa kerja dan is provided based on the employee's length of
kompensasi karyawan pada saat pemutusan Service and compensation upon termination or
hubungan kerja atau selesainya masa kerja. completion of the employment period. This
Imbalan pasca-kerja ini merupakan program post-employment benefit is a defined benefit
imbalan pasti Liabilitas imbalan pasti atas plan defined benefit liability for post-
imbalan pasca-kerja (post-employment benefit) employment benefits is calculated using the
tersebut dihitung dengan menggunakan “Projected Unit Credit " method.
metode “Projected Unit Credit”.
78
Page 651
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Jumlah karyawan yang berhak atas imbalan The numbers of eligible employees for post-
pasti pasca-kerja tersebut masing-masing employment benefit are 394 and 345
sebanyak 394 dan 345 karyawan (tidak diaudit) employees as at December 31, 2025 and 2024
pada tanggal 31 Desember 2025 dan 2024. (unaudited), respectively.
Untuk tahun-tahun yang berakhir pada For the years ended on December 31, 2025
31 Desember 2025 dan 2024, liabilitas imbalan and 2024, post-employment benefits liabilities
pasca-kerja didasarkan pada laporan penilaian based on the actuarial valuation report
aktuaria yang diperoleh dari Kantor Konsultan obtained from Kantor Konsultan Aktuaria V.
Aktuaria V. Agus Basuki, aktuaris independen, Agus Basuki, an independent actuary, with the
dengan laporan aktuaria masing-masing actuarial report dated January 19, 2026 and
tertanggal 19 Januari 2026 dan 20 Januari January 20, 2025, respectively.
2025.
Beban liabilitas imbalan pasca-kerja yang Post-employment benefit expenses recognized
diakui dalam laba rugi adalah sebagai berikut in the profit or loss are (Note 32b):
(Catatan 32b):
2025 2024
Biaya jasa kini 6.488.943.755 6.419.855.419 Current service cost
Biaya bunga 1.228.468.574
-- 968.268.749
-- Interest cost
Jumlah (Catatan 32b) 7.717.412.329 7.388.124.168 Total (Note 32b)
Rekonsiliasi perubahan liabilitas selama tahun The movements of estimated post-employment
berjalan yang diakui di laporan posisi keuangan benefits liability in the statements of financial
adalah sebagai berikut: position are as follows:
2025 2024
Liabilitas pada awal tahun 21.103.148.891 14.650.368.668 Liability at beginning of year
Penambahan tahun berjalan (Catatan 32b) 7.717.412.329 7.388.124.168 Addition during the year (Note 32b)
Pembayaran selama tahun berjalan (1.735.706.917) (852.405.375) Payment during the year
Jumlah yang diakui di penghasilan Total amount recognized in other
komprehensif lain 4.381.399.739
-- (82.938.570)
-- comprehensive income
Liabilitas pada akhir tahun 31.466.254.042 21.103.148.891 Liability at end of year
Mutasi nilai kini liabilitas adalah sebagai The movement in present value of obligations
berikut: are as follows:
2025 2024
Beginning present value
Saldo awal nilai kini liabilitas 21.103.148.891 14.650.368.668 of obligation
Biaya jasa kini 6.488.943.755 6.419.855.419 Current service cost
Biaya bunga 1.228.468.574 968.268.749 Interest cost
Pembayaran selama tahun berjalan (1.735.706.917) (852.405.375) Payments during the year
Kerugian aktuarial Acturarial losses
yang timbul dari: arising from:
- asumsi keuangan 4.381.399.739 (82.938.570) - financial assumption
Jumlah 31.466.254.042 21.103.148.891 Total
Program ini memberikan eksposur risiko The program provides actuarial risk exposure
aktuarial terhadap Bank seperti risiko suku to the Bank such as interest rate risk and salary
bunga dan gaji. risk.
79
Page 652
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Mutasi keuntungan (kerugian) aktuarial yang The movements in the balance of actuarial gain
diakui sebagai penghasilan komprehensif lain, (loss) charged to other comprehensive income,
bruto pajak tangguhan: gross of deferred tax:
2025 2024
Saldo awal (3.701.030.148) (3.765.722.233) Beginning balance
Kerugian aktuaria yang diakui Actual lossess
sebagai penghasilan charged to other
komprehensif lain (4.381.399.739) 82.938.570 comprehensive income
Pajak penghasilan terkait 963.907.943 (18.246.485) Items that will be reclasified
Saldo akhir (7.118.521.944) (3.701.030.148) Ending balance
Risiko Suku Bunga Interest Rate Risk
Nilai kini liabilitas imbalan pasti dihitung The present value of the defined benefits
dengan menggunakan tingkat diskonto obligation is calculated using a discount rate
ditentukan dengan mengacu pada tingkat determined by reference to market yields of
pengembalian pasar atas obligasi pemerintah. government bonds. Generally, a decrease in
Umumnya, penurunan suku bunga dari obligasi the interest rate of a government bonds will
pemerintah akan meningkatkan liabilitas increase the program obligation.
program.
Risiko Tingkat Kenaikan Gaji Salary Rate Risk
Nilai kini liabilitas imbalan pasti dihitung The present value of the defined benefits are
dengan estimasi tingkat kenaikan gaji, semakin calculated using the estimated of salary growth
tinggi tingkat kenaikan gaji akan menyebabkan rate, higher salary growth rate will lead to
semakin besarnya liabilitas. higher obligation.
Tingkat diskonto : 6.49% tahun 2025/in year 2025 : Discount rate
7.09% tahun 2024/in year 2024
Tingkat kenaikan gaji : 10.00% tahun 2025/in year 2025 : Salary increment rate
10.00% tahun 2024/in year 2024
Tingkat kemungkinan cacat : 5.00% tahun 2025/in year 2025 : Disability rate
5.00% tahun 2024/in year 2024
Tingkat kematian : TMI-IV-2019 dengan perbaikan, periode 2025/ : Mortality rate
with recovery, in period 2025
TMI-IV-2019 dengan perbaikan, periode 2024/
with recovery, in period 2024
Tingkat pengunduran diri : 10.00% 20-29 tahun/years old : Resignation rate
8.00% 30-39 tahun/years old
5.00% 40-44 tahun/years old
4.00% 45-49 tahun/years old
1.00% 50-54 tahun/years old
Usia pensiun normal : 55 tahun/years old : Normal retirement age
Asumsi utama yang digunakan dalam The actuarial valuation as at December 31,
menentukan penilaian aktuaria pada tanggal 31 2025 were carried out using the following key
Desember 2025 adalah sebagai berikut: assumptions:
Nilai Kini Kewajiban
Imbalan Pasti/
Tingkat Diskonto/ Present value of
Discount Rate Benefits Obligation
Analisis Sensitivitas Tingkat Diskonto Sensitivity Analysis of Discount Rate
Kenaikan suku bunga 1% 6.49% (2,235,864,875) Increase of 1% the discount rate
Penurunan suku bunga 1% 6.49% 2,994,324,831 Decrease of 1% the discount rate
Analisis Sensitivitas Kenaikan Gaji Sensitivity Analysis of Salary Increase
Kenaikan suku bunga 1% 10.00% 2,824,926,787 Increase of 1% the discount rate
Penurunan suku bunga 1% 10.00% (2,169,627,275) Decrease of 1% the discount rate
80
Page 653
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Asumsi aktuarial yang signifikan untuk Significant actuarial assumptions for the
penentuan liabilitas imbalan pasti adalah determination of the defined obligation are
tingkat diskonto dan kenaikan gaji yang discount rate and expected salary increase.
diharapkan. Sensitivitas analisis diatas ini The sensitivity analysis below has been
ditentukan berdasarkan masing-masing determined based on reasonably possible
perubahan asumsi yang mungkin terjadi pada changes of the respective assumptions
akhir periode pelaporan, dengan semua occurring at the end, and other variable
asumsi variabel lain konstan. assumption are constant.
Analisis sensitivitas yang disajikan di atas The sensitivity analysis presented above may
mungkin tidak mewakili perubahan yang not be representative of the actual change in
sebenarnya dalam liabilitas imbalan pasti the defined benefit obligation as it is unlikely
mengingat bahwa perubahan asumsi terjadinya that the change inassumptions would occur in
tidak terisolasi satu sama lain karena beberapa isolation of one another assume of the
asumsi tersebut mungkin berkorelasi. assumptions may be correlated.
Selanjutnya, dalam menyajikan analisis Furthermore, in presenting the above sensitivity
sensitivitas diatas, nilai kini liabilitas imbalan analysis, the present value of the defined
pasti dihitung dengan menggunakan metode benefits obligation has been calculated using
projected unit credit pada akhir periode the projected unit credit method at the end of
pelaporan, yang sama dengan yang diterapkan the reporting period, which is the same as that
dalam menghitung liabilitas manfaat pasti yang applied in liability recognized in the statements
diakui dalam laporan posisi keuangan. of financial position.
Rata-rata durasi liabilitas imbalan pasti adalah The weighted average duration of the defined
masing-masing 9,80 dan 10,02 tahun pada benefit obligation are 9.80 and 10.02 year as at
tanggal 31 Desember 2025 dan 2024. December 31, 2025 and 2024, each.
Perkiraan analisis jatuh tempo atas imbalan Expected maturity analysis of undiscounted
pensiun tidak terdiskonto per 31 Desember pension benefits as at December 31, 2025 and
2025 dan 2024 adalah sebagai berikut: 2024 is presented below:
2025
Sampai dengan Lebih dari
1 tahun/ 2-5 tahun/ 6-10 tahun/ 10 tahun/More Jumlah/
Until 1 year 2-5 years 6-10 years than 10 years Total
Imbalan pensiun - 10,598,080,944 38,563,859,295 1,178,516,324,240 1,227,678,264,479 Pension benefits
2024
Sampai dengan Lebih dari
1 tahun/ 2-5 tahun/ 6-10 tahun/ 10 tahun/More Jumlah/
Until 1 year 2-5 years 6-10 years than 10 years Total
Imbalan pensiun 2,866,592,434 7,117,242,984 26,906,923,330 1,006,049,770,199 1,042,940,528,947 Pension benefits
23. Liabilitas Lain-Lain 23. Other Liabilities
2025 2024
Liabilitas Sewa (Catatan 13) 13.856.878.753 19.920.194.310 Lease liabilities (Note 13)
Verifikasi identitas nasabah 9.456.055.747 9.551.197.300 Customer identity verification
Cadangan Kerugian Penurunan Nilai Allowance for Impairment Losses
Transaksi Rekening Administratif 7.784.773.968 -- on Off-Balance Sheet Transactions
Utang perolehan saham treasury 2.893.826.491 -- Treasury stock acquisition payable
Outsource 2.360.939.008 2.277.740.724 Outsource
Utang perolehan aset tetap -- 11.158.781.964 Fixed Asset Acquisition Payables
Teknologi informasi -- 2.901.467.541 Information Technology
Promosi -- 1.628.293.841 Promotion
Lain - lain 1.909.798.949 1.722.679.966 Others
Jumlah 38.262.272.916 49.160.355.646 Total
81
Page 654
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
24. Modal Saham 24. Share Capital
Komposisi pemegang saham Bank dan The composition of the Bank’s shareholders
masing-masing kepemilikan pada tanggal- and their respective share holdings as at
tanggal 31 Desember 2025 dan 2024 adalah December 31, 2025 and 2024 are as follows:
sebagai berikut:
2025
Jumlah lembar Persentase Jumlah nilai
saham/ kepemilikan/ saham/
Number of Percentage of Total amount
shares ownership of shares
PT Mega Corpora 13.228.508.531 60,88% 1.322.850.853.100 PT Mega Corpora
PT Bukalapak Tbk 2.497.816.903 11,49% 249.781.690.300 PT Bukalapak Tbk
Abadi Investment Pte. Ltd. 1.521.117.930 7,00% 152.111.793.000 Abadi Investment Pte. Ltd.
PT Indolife Investama Perkasa 1.303.815.386 6,00% 130.381.538.600 PT Indolife Investama Perkasa
Ali Gunawan (Komisaris) 10.238.900 0,05% 1.023.890.000 Ali Gunawan (Commissioner)
Ganda Raharja Rusli (Direktur) 85.784 0,00% 8.578.400 Ganda Raharja Rusli (Director)
Masyarakat (kepemilikan Public (ownership
dibawah 5%) 3.078.282.208 14,17% 307.828.220.800 below 5%)
21.639.865.642 99,58% 2.163.986.564.200
Saham Treasury (catatan 1.c) 90.390.800 0,42% 9.039.080.000 Treasury stock (Notes 1.c)
Jumlah 21.730.256.442 100% 2.173.025.644.200 Total
2024
Jumlah lembar Persentase Jumlah nilai
saham/ kepemilikan/ saham/
Number of Percentage of Total amount
shares ownership of shares
PT Mega Corpora 13.228.508.531 60,88% 1.322.850.853.100 PT Mega Corpora
PT Bukalapak Tbk 2.497.816.903 11,49% 249.781.690.300 PT Bukalapak Tbk
Abadi Investment Pte. Ltd. 1.521.117.930 7,00% 152.111.793.000 Abadi Investment Pte. Ltd.
PT Indolife Investama Perkasa 1.303.815.386 6,00% 130.381.538.600 PT Indolife Investama Perkasa
Ali Gunawan (Komisaris) 10.067.300 0,05% 1.006.730.000 Ali Gunawan (Commissioner)
Indra Utoyo (Direktur Utama) 500.000 0,00% 50.000.000 Indra Utoyo (President Director)
Ganda Raharja Rusli (Direktur) 62.884 0,00% 6.288.400 Ganda Raharja Rusli (Director)
Masyarakat (kepemilikan Public (ownership
dibawah 5%) 3.168.367.508 14,58% 316.836.750.800 below 5%)
Jumlah 21.730.256.442 100% 2.173.025.644.200 Total
Penggunaan laba bersih Use of net profit
Berdasarkan Akta Rapat Umum Pemegang In accordance with Deed of the Annual General
Saham Tahunan PT Allo Bank Indonesia Tbk Meeting of Shareholders PT Allo Bank
No. 2 Tanggal 10 April 2025, dibuat dihadapan Indonesia Tbk No. 2 dated April 10,2025, made
Dharma Akhyuzi, S.H., Notaris di Jakarta, in the presence of Dharma Akhyuzi, S.H., the
bahwa dari laba bersih Bank pada tahun buku Notary in Jakarta that from the Bank’s net profit
2024 sebesar Rp467.105.739.014 akan for the financial year 2024 of
dibukukan sebesar 99,99% sebagai laba Rp467,105,739,014, 99.99% of the net profit
ditahan 2024, sebesar Rp2.784.828 atau will be booked as retained earnings for the
0,01% akan dialokasikan sebagai Cadangan fiscal year 2024, Rp2,784,828 or 0.01% of the
Wajib dalam rangka memenuhi Pasal 70 net profit will be allocated as Mandatory
Undang-undang Perseroan Terbatas. Reserves in order to comply with Article 70 of
the Limited Liability Company Law.
Berdasarkan Akta Rapat Umum Pemegang In accordance with Deed of the Annual General
Saham Tahunan PT Allo Bank Indonesia Tbk Meeting of Shareholders PT Allo Bank
No. 4 tanggal 31 Mei 2024, dibuat dihadapan Indonesia Tbk No. 4 dated May 31, 2024,
Dharma Akhyuzi, S.H., Notaris di Jakarta, made in the presence of Dharma Akhyuzi,
bahwa dari laba bersih Bank pada tahun buku S.H., the Notary in Jakarta that from the Bank’s
2023 sebesar Rp444.566.134.304 akan net profit for the financial year 2023 of
82
Page 655
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
dibukukan sebesar 99,99% sebagai laba Rp444,566,134,304, 99.99% of the net profit
ditahan, sebesar Rp6.134.304 atau 0,01% will be booked as retained earnings for the
akan dialokasikan sebagai Cadangan Wajib fiscal year 2023, Rp6,134,304 or 0.01% of the
dalam rangka memenuhi Pasal 70 Undang- net profit will be allocated as Mandatory
undang Perseroan Terbatas. Reserves in order to comply with Article 70 of
the Limited Liability Company Law.
Pembelian kembali saham Share buyback
Bank melakukan pembelian kembali saham The Bank conducted a share buyback of
yang telah dikeluarkan dan tercatat di PT Bursa shares that have been issued and listed on the
Efek Indonesia (“Bursa Efek”). Bank melakukan Indonesia Stock Exchange (“IDX”). The Bank
pembelian kembali saham dalam upaya untuk carried out the share buyback in an effort to
memiliki fleksibilitas yang memungkinkan Bank have flexibility that enables the Bank to
menjaga stabilitas harga saham Bank agar maintain share price stability so that it better
lebih mencerminkan kinerja Bank. Selain itu, reflects the Bank’s performance. In addition,
langkah ini diambil sebagai upaya untuk this step was taken as an effort to maintain
menjaga keharmonisan antara kondisi pasar harmony between market conditions and the
dan fundamental Bank serta menjaga Bank’s fundamentals and to maintain the
kepercayaan para pemangku kepentingan confidence of stakeholders in supporting the
dalam usaha Bank mendukung pertumbuhan Bank’s sustainable growth. This became one of
yang berkelanjutan. Hal ini menjadi salah satu the considerations for the Bank in carrying out
pertimbangan bagi Bank untuk melakukan the share buyback process.
proses pembelian kembali saham (buy back).
Dalam hal pembelian kembali saham, Bank In conducting the share buyback, the Bank
mengacu pada Peraturan Otoritas Jasa refers to Financial Services Authority (“OJK”)
Keuangan (“OJK”) No. 29 Tahun 2023 tentang Regulation No. 29 of 2023 concerning Share
Pembelian Kembali Saham yang Dikeluarkan Buybacks Issued by Public Companies (“POJK
oleh Perusahaan Terbuka (“POJK 29/2023”), 29/2023”), OJK Regulation No. 13 of 2023
Peraturan OJK No. 13 Tahun 2023 tentang concerning Policies in Maintaining Performance
Kebijakan dalam Menjaga Kinerja dan and Capital Market Stability under Conditions
Stabilitas Pasar Modal pada Kondisi Pasar of Significant Market Fluctuations (“POJK
yang Berfluktuasi secara Signifikan (“POJK 13/2023”), as well as OJK Letter No. S-
13/2023”) serta Surat OJK No. S-17/D.4/2025 17/D.4/2025 dated March 18, 2025 regarding
tanggal 18 Maret 2025 perihal Kebijakan the Policy on the Implementation of Share
Pelaksanaan Pembelian Kembali Saham yang Buybacks Issued by Public Companies under
Dikeluarkan oleh Perusahaan Terbuka dalam Conditions of Significant Market Fluctuations,
Kondisi Pasar yang Berfluktuasi Secara with due regard to the prevailing laws and
Signifikan, dengan memperhatikan ketentuan regulations.
perundang-undangan yang berlaku.
Pembelian kembali saham Bank dilakukan The Bank’s share buyback was carried out in
secara bertahap berdasarkan Laporan stages based on the Information Disclosure
Keterbukaan Informasi No. 022/BBHI/IV/2025 Report No. 022/BBHI/IV/2025 dated April 30,
tanggal 30 April 2025 untuk periode 3 (tiga) 2025 for a period of 3 (three) months starting
bulan terhitung sejak tanggal 30 April 2025 from April 30, 2025 until July 29, 2025. The
sampai dengan 29 Juli 2025. Jumlah dana amount of funds to be used to carry out the
yang akan digunakan untuk melakukan Company’s share buyback is up to
pembelian kembali saham Perseroan sebanyak Rp200,000,000,000. As of July 29, 2025,
- banyaknya sebesar Rp200.000.000.000. a total of 29,817,700 shares have been
Hingga 29 Juli 2025 telah diperoleh sebanyak acquired with an acquisition value of
29.817.700 lembar saham dengan nilai Rp31,189,547,173.
perolehan Rp31.189.547.173.
Kemudian, pembelian kembali saham Bank Then, the Bank’s share buyback was extended
diperpanjang periode 3 (tiga) bulan for a period of 3 (three) months based on the
berdasarkan Laporan Keterbukaan Informasi Information Disclosure Report No.
No. 053/BBHI/VII/2025 tanggal 29 Juli 2025 053/BBHI/VII/2025 dated July 29, 2025,
83
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
terhitung sejak tanggal 30 Juli 2025 sampai starting from July 30, 2025 until
dengan 29 Oktober 2025. Untuk periode October 29, 2025. During this period, a total of
tersebut telah diperoleh sebanyak 33.016.600 33,016,600 shares were acquired with an
lembar saham dengan nilai perolehan acquisition value of Rp49,435,072,838.
Rp49.435.072.838.
Kemudian, pembelian kembali saham Bank Then, the Bank’s share buyback was extended
diperpanjang periode 3 (tiga) bulan for a period of 3 (three) months based on the
berdasarkan Laporan Keterbukaan Informasi Information Disclosure Report
No.131/BBHI/X/2025 tanggal 29 Oktober 2025 No. 131/BBHI/X/2025 dated October 29, 2025,
terhitung sejak tanggal 30 Oktober 2025 starting from October 30, 2025 until
sampai dengan 29 Januari 2026, hingga January 29, 2026. As of December 31, 2025,
31 Desember 2025 untuk periode tersebut a total of 27,556,500 shares had been acquired
telah diperoleh sebanyak 27.556.500 lembar with an acquisition value of Rp40,817,054,894.
saham dengan nilai perolehan Included in this amount were 2,020,000 shares
Rp40.817.054.894. Termasuk dalam jumlah with a total acquisition cost of
tersebut sebesar 2.020.000 lembar saham Rp2,893,826,491, which remained payable
dengan nilai perolehan Rp2.893.826.491 masih (Notes 23 and 47).
terutang (Catatan 23 dan 47).
Pelaksanaan transaksi pembelian kembali The share buyback transactions were carried
saham Bank dilaksanakan melalui Bursa Efek out through the Indonesia Stock Exchange.
Indonesia.
Sampai dengan 31 Desember 2025, Bank telah As of December 31, 2025, the Bank had
membeli kembali 90.390.800 lembar saham repurchased 90,390,800 shares with a total
dengan total nilai perolehan sebesar acquisition cost of Rp121,441,674,905, which
Rp121.441.674.905 yang dicatat sebagai were recorded as treasury shares and
saham treasuri yang merupakan pengurang presented as a deduction of equity. (note 47)
ekuitas. (catatan 47).
Bank hingga tahun yang berakhir pada tanggal As of the year ended December 31, 2025, the
31 Desember 2025 belum melepaskan kembali Bank had not reissued the treasury shares;
saham treasuri sehingga tidak terdapat selisih therefore, there was no difference between the
harga perolehan dan harga pelepasan saham acquisition cost and the reissuance price of the
treasuri. treasury shares.
Pengambilalihan saham Share acquisition
Pada tanggal 29 Januari 2021, melalui Rapat On January 29, 2021, through the Bank's
Umum Luar Biasa Bank, pemegang saham Extraordinary General Meeting, the
Bank menyetujui rencana Pengambilalihan shareholders of the Bank approved the
beserta rancangan Pengambilalihan dan Acquisition plan along with the Acquisition plan
konsep akta Pengambilalihan sesuai dengan and the draft Acquisition deed in accordance
Peraturan OJK (“POJK”) No. 41/POJK.03/2019 with OJK Regulation (“POJK”) No.
yang berlaku efektif setelah diperolehnya 41/POJK.03/2019 which will become effective
persetujuan dari OJK. after obtaining approval from the OJK.
Pada tanggal 10 Maret 2021, melalui Surat On March 10, 2021, through Letter No. KEP-
No. KEP-40/D.03/2020 OJK menyetujui 40/ D.03/2020 OJK approved the Takeover of
Pengambilalihan 73,71% saham Bank milik 73.71% of the Bank's shares of the HPP by
HPP oleh Mega Corpora. Selanjutnya, Mega Corpora. Furthermore, based on No. 9
berdasarkan akta Notaris Dharma Akhyuzi, dated March 15, 2021 of Dharma Akhyuzi,
S.H., No. 9 tanggal 15 Maret 2021, telah S.H., notary, have been change in
dilakukan perubahan susunan pemegang shareholders Bank composition was notification
saham Bank yang telah diberitahukan kepada to the Ministry of Law and Human Rights of the
Kementerian Hukum dan Hak Asasi Manusia Republic Indonesia in its Decision Letter
Republik Indonesia dengan surat penerimaan No. AHU-AH.01.03-0164106 dated
pemberitahuan No. AHU-AH.01.03-0164106 March 15, 2021.
tanggal 15 Maret 2021.
84
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Berdasarkan Surat OJK No. S-104/D.04/2021 Based on OJK’s Letter No. S-104/D.04/2021
tanggal 30 Juni 2021, OJK memberitahukan dated June 30, 2021, OJK notify the Bank that
kepada Bank bahwa Pernyataan Pendaftaran the Right Issue Registration Statement
PMHMETD sebesar 7.498.501.776 lembar concerning the increase of share capital
saham telah dinyatakan efektif. Selanjutnya, amounting to 7,498,501,776 shares has been
Bank telah melaksanakan dan menyelesaikan declared effective. On July 26, 2021, the Bank
proses PMHMETD tersebut pada tanggal has executed and accomplished the Right
26 Juli 2021. Issue process.
Berdasarkan Akta Notaris Dharma Akhyuzi, Based on Notarial Deed No. 5 of Dharma
S.H., No. 5 tanggal 15 Oktober 2021, Akhyuzi, S.H., dated October 15, 2021, the
pemegang saham Bank menyetujui perubahan shareholders of the Bank approved the
anggaran dasar dengan peningkatan modal amendment to the articles of association with
dasar menjadi Rp4.000.000.000.000. an increase in authorized capital to
Perubahan tersebut telah disetujui oleh Menteri Rp4,000,000,000,000. The amendment has
Hukum dan Hak Asasi Manusia Republik been approved by the Minister of Laws and
Indonesia melalui Surat Keputusan Human Rights of the Republic of Indonesia in
No. AHU-0057224.AH.01.02. Tahun 2021 its Decision Letter No.AHU-0057224.AH.01.
tanggal 15 Oktober 2021. 02. Year 2021 dated October 15, 2021.
Penambahan modal Capital injection
Berdasarkan Surat OJK No. S-245/D.04/2021 Based on OJK’s Letter No. S-245/D.04/2021
tanggal 30 Desember 2021, OJK dated December 30, 2021, OJK notify the Bank
memberitahukan kepada Bank bahwa that the Right Issue Registration Statement
Pernyataan Pendaftaran PMHMETD sebesar concerning the increase of share capital
10.047.322.871 lembar saham telah amounting to 10,047,322,871 shares has been
dinyatakan efektif. Selanjutnya, Bank telah declared effective. On January 26, 2022, the
melaksanakan dan menyelesaikan proses Bank has executed and accomplished the
PMHMETD tersebut pada tanggal Right Issue process.
26 Januari 2022.
25. Penggunaan Laba Neto dan Cadangan 25. Appropriation of Net Income and General
Umum Reserve
Dalam Rapat Umum Pemegang Saham In the Bank’s Annual General Meeting of
Tahunan Bank yang diselenggarakan pada Shareholders held on April 10, 2025, which was
tanggal 10 April 2025, yang diaktakan dengan notarized under Notarial Deed No. 02 by
Akta Notaris Dharma Akhyuzi, S.H., No. 02, Dharma Akhyuzi, S.H., the shareholders agreed
para pemegang saham setuju untuk to declare cash dividends amounting to
menetapkan pembagian dividen tunai sebesar Rp233,382,954,186 and also set the general
Rp233.382.954.186 dan juga menetapkan reserves amounting to Rp2,784,828 to comply
dana cadangan umum sebesar Rp2.784.828 with Article 70 of Limited Liability Company
untuk memenuhi ketentuan Pasal 70 Undang- Law.
Undang Perseroan Terbatas.
26. Pendapatan Bunga 26. Interest Income
2025 2024
Kredit yang diberikan 1,442,905,624,942 1,156,120,368,016 Loans
Efek-efek 349,255,850,415 293,355,920,920 Marketable securities
Penempatan pada Bank Indonesia 21,476,040,200 16,670,320,690 Placements with Bank Indonesia
Penempatan pada bank lain 33,799,466,275 20,006,063,905 Placements with other banks
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 16,647,842,935 778,330,524 resell agreement
Jumlah 1,864,084,824,767 1,486,931,004,055 Total
85
Page 658
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Jumlah pendapatan bunga dari pihak berelasi The amount of interest income from related
pada tahun yang berakhir 31 Desember 2025 parties for the years ended December 31, 2025
dan 2024, masing-masing sebesar and 2024 amounted to Rp22,199,314,087 and
Rp22.199.314.087 dan Rp42.284.748.291 Rp42,284,748,291, respectively (Note 37).
(Catatan 37).
27. Beban Bunga 27. Interest Expenses
2025 2024
Simpanan dari nasabah Deposits from customers
Deposito berjangka 362,757,562,575 267,926,666,926 Time deposits
Tabungan 25,562,856,003 22,635,081,541 Saving deposits
Giro 4,363,220,555 2,652,766,962 Current accounts
Premi penjaminan simpanan Deposits guarantee premium
(Catatan 39) 11,585,324,492 9,418,100,724 (Note 39)
Simpanan dari bank lain 8,833,952,075 7,761,405,556 Deposits from other banks
Efek-efek yang dijual dengan janji Securities sold under
dibeli kembali 10,164,090,745 59,035,366,412 repurchased agreement
Jumlah 423,267,006,445 369,429,388,121 Total
Jumlah beban bunga dari pihak berelasi untuk The amount of interest expenses from related
tahun yang berakhir 31 Desember 2025 dan parties for the years ended December 31, 2025
2024 masing-masing sebesar and 2024 are Rp50,356,113,846 and
Rp50.356.113.846 dan Rp122.641.557.383 Rp122,641,557,383, respectively (Note 37).
(Catatan 37).
28. Provisi dan Komisi 28. Fees and Commissions
2025 2024
Komisi dari kredit 59,494,533,923 19,461,707,224 Commissions from loan
Jumlah 59,494,533,923 19,461,707,224 Total
29. Pendapatan Administrasi dan Denda 29. Administration and Penalties Income
2025 2024
Pendapatan administrasi 295,779,360,808 151,520,467,447 Administration fee
Pendapatan penalti dan denda 41,968,363,429 29,552,997,469 Penalty and charge fee
Pendapatan transaksi nasabah 12,840,287,958 7,637,320,334 Income from customer transaction
Jumlah 350,588,012,195 \ 188,710,785,250 Total
30. Keuntungan Penjualan Efek-Efek 30. Gain on Sales of Marketable Securities
2025 2024
Keuntungan Penjualan Obligasi 103,583,282,087 69,095,190,316 Gain on Sales of Bonds
Jumlah 103,583,282,087 69,095,190,316 Total
86
Page 659
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
31. Penyisihan Cadangan Kerugian Penurunan 31. Provision Of Allowance For Impairment
Nilai Aset Keuangan dan Aset Non - Losses On Financial Assets and Non -
Keuangan Financial Assets
Rincian penyisihan cadangan kerugian Details of provision of allowance for impairment
penurunan nilai aset keuangan dan aset non- losses on financial assets and non-financial
keuangan adalah sebagai berikut: assets are as follows:
2025 2024
Penyisihan cadangan kerugian penurunan Provision of allowance for impairment
nilai atas kredit (Catatan 10) 429.325.069.951 114.201.209.404 losses on loans (Note 10)
Penyisihan cadangan kerugian penurunan Provision of allowance for
nilai atas transaksi rekening administratif 7.784.773.968 -- Off-balance sheet transactions
Penyisihan cadangan kerugian penurunan Provision of allowance for
nilai atas efek-efek (Catatan 8) 159.832.672 -- marketable securities (Note 8)
(Pemulihan) penyisihan cadangan kerugian (Recovery) provision of allowance for
penurunan nilai atas giro pada bank lain 107.483.514 (160.227.487) current accounts with other banks
Jumlah 437.377.160.105 114.040.981.917 Total
32. Beban Operasional Lainnya 32. Other Operating Expenses
Akun ini terdiri dari: This account consists of:
2025 2024
Umum dan administrasi 605,142,157,030 562,001,126,941 General and administrative
Tenaga kerja 202,976,873,824 172,022,912,061 Personnel
Jumlah 808,119,030,854
-- 734,024,039,002
-- Total
a. Umum dan administrasi a. General and administrative
2025 2024
Iklan dan promosi 154.588.396.927 166.057.031.576 Advertising and promotions
Jasa pihak ketiga 81.856.122.346 42.651.055.044 Third parties services
Outsource 80.253.101.865 58.976.433.804 Outsource
Verifikasi identitas nasabah 73.944.537.786 86.380.044.637 Customer identity verification
Teknologi informasi 69.567.742.952 83.020.401.242 Information technology
Penyusutan aset tetap Depreciation of fixed assets
(Catatan 13) 47.484.646.315 35.328.335.864 assets (Note 13)
Telekomunikasi 23.195.457.791 16.262.916.711 Telecommunication
Amortisasi aset takberwujud Amortization of intangible
(Catatan 14) 16.914.710.131 16.758.116.713 assets (Note 14)
Penyusutan aset hak-guna sewa Depreciation on right of used
(Catatan 13) 13.752.225.535 12.549.310.163 assets (Note 13)
Bank Koresponden 8.259.189.737 3.222.155.326 Corespondence bank
Pungutan oleh Otoritas Jasa Levies by the Financial Service
Keuangan 6.876.731.311 6.498.860.746 Authority
Beban Pajak 5.443.421.940 872.722.673 Taxes Expense
Pendidikan dan pelatihan 5.269.471.513 4.040.354.489 Education and trainings
Perlengkapan kantor 4.626.209.248 3.718.782.330 Office supplies
Telepon, listrik dan air 3.453.204.348 2.784.583.575 Telephone, electricity and water
Sewa (Catatan 13) 2.616.635.471 1.208.829.806 Rent (Note 13)
Beban bunga sewa (Catatan 13) 2.002.461.734 1.457.410.688 Lease interest expense (Note 13)
Perjalanan dinas 1.291.157.757 1.386.143.373 Business travels
Asuransi 1.275.784.864 16.528.294.353 Insurance
Pemeliharaan dan perbaikan 550.515.710 1.439.588.868 Repair and maintenance
Transportasi 390.290.395 418.869.147 Transportation
Sumbangan 280.925.000 193.850.000 Donations
Lain-lain 1.249.216.354 247.035.813 Others
Jumlah 605.142.157.030 562.001.126.941 Total
87
Page 660
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. Tenaga kerja b. Personnel
2025 2024
Gaji dan tunjangan 158.917.365.894 140.203.887.995 Wages and salaries
Tunjangan ketenagakerjaan 14.669.190.011 6.508.814.263 Social security allowance
Beban imbalan kerja (Catatan 22) 7.717.412.329 7.388.124.168 Employee benefit expense (Note 22)
Tunjangan hari raya 8.590.722.935 7.277.228.771 Religious allowance
Tunjangan uang makan/transportasi 5.994.747.624 5.289.571.434 Employee meal/transportation allowance
Tunjangan premi asuransi
kecelakaan 4.200.730.305 3.506.537.458 Insurance allowance
Lainnya 2.886.704.726 1.848.747.972 Others
Jumlah 202.976.873.824 172.022.912.061 Total
33. Lain-Lain - Neto 33. Others - Net
2025 2024
Penerimaan kembali atas kredit
yang dihapusbukukan dan Receipt from written-off loans
agunan yang diambil alih 24.017.266.949 14.951.864.588 and foreclosed collateral
Lain-lain 4.937.385.775 37.166.771.266 Others
Jumlah 28.954.652.724 52.118.635.854 Total
34. Pendapatan (Beban) Non Operasional - Neto 34. Non Operating Income (Expenses) - Net
2025 2024
Lainnya - neto (875.999.262) 126.494.441 Others - net
Jumlah (875.999.262) 126.494.441 Total
35. Laba Per Saham Dasar 35. Basic Earnings Per Share
2025 2024
Rata-rata tertimbang jumlah saham Weighted average number
biasa yang beredar dalam tahun ordinary shares outstanding
berjalan 21.703.311.507 21.730.256.442 during the year
Laba bersih 574.261.563.075 467.105.739.014 Net income
Laba bersih per saham Basic earnings
dasar 26,46 21,50 per share
88
Page 661
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
36. Tambahan Modal Disetor 36. Additional Paid-in Capital
Pada tanggal 31 Desember 2025 dan 2024, As at December 31, 2025 and 2024, additional
akun tambahan modal disetor terdiri dari: paid-up capital consists of:
2025 dan 2024/
2025 and 2024
Tambahan modal disetor Additional paid-up capital
Penawaran Umum Perdana
Tahun 2015 20.000.000.000 Initial Public Offering Year 2015
Penawaran Umum Terbatas I
Tahun 2018 16.943.179.500 Limited Public Offering I Year 2018
Penawaran Umum Terbatas III
Tahun 2022 3.797.888.052.789 Limited Public Offering III Year 2022
Transfer of revaluation surplus of
Transfer surplus revaluasi aset fixed assets to additional
tetap ke tambahan modal disetor 22.575.371.620 paid-in capital
Difference in transaction value from
Selisih nilai transaksi kombinasi business combinations of entities
bisnis entitas sepengendali 21.605.074.300 under common control
Beban emisi efek ekuitas Stock issuance costs
Penawaran Umum Perdana
Tahun 2015 (3.769.769.602) Initial Public Offering Year 2015
Penambahan modal tanpa Capital Increase
Hak Memesan Efek Terlebih Without Pre-emptive Rights
Dahulu Tahun 2017 (324.275.000) Year 2017
Penawaran Umum Terbatas I
Tahun 2018 (2.556.985.000) Limited Public Offering I Year 2018
Penawaran Umum Terbatas II
Tahun 2021 (1.403.425.085) Limited Public Offering II Year 2021
Penawaran Umum Terbatas III
Tahun 2022 (2.224.000.000) Limited Public Offering III Year 2022
Jumlah 3.868.733.223.522 Total
37. Transaksi dengan Pihak Berelasi 37. Transactions with Related Parties
Sifat hubungan berelasi Nature of relationship
Dalam kegiatan normal usahanya, Bank juga In the normal activities of business, the Bank
mengadakan transaksi-transaksi tertentu also entered into certain transactions with
dengan pihak yang berelasi. related parties.
Transaksi dengan pihak berelasi dilakukan Transactions with related parties are made
berdasarkan persyaratan yang disetujui oleh based on terms agreed by the parties, which
kedua belah pihak, yang mungkin tidak sama may not be the same as those of the
dengan transaksi lain yang dilakukan dengan transaction between unrelated parties.
pihak yang tidak berelasi.
89
Page 662
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Rincian sifat hubungan dan jenis transaksi The details of the relationship and type of
yang signifikan dengan pihak berelasi pada significant transactions with related parties as
tanggal 31 Desember 2025 adalah sebagai at December 31, 2025 are as follows:
berikut:
Pihak Berelasi/ Sifat Hubungan Berelasi/ Transaksi / Transactions
Related Parties The Nature of Relation
PT Mega Corpora Pemegang saham/Shareholder Dana setoran modal/Paid-up capital
Simpanan/Deposits
Beban bunga/Interest expense
PT Bukalapak.com Tbk Pemegang saham/Shareholder Dana setoran modal/Paid-up capital
Simpanan/Deposits
Beban bunga/Interest expense
PT Bank Mega Tbk Dimiliki oleh pemegang saham akhir Kustodian/Custody
yang sama/Owned by the same Giro pada bank lain/Current account with other bank
ultimate shareholder Simpanan/Deposits
Beban bunga/Interest expense
PT Bank Mega Syariah Dimiliki oleh pemegang saham akhir Giro pada bank lain/Current account with other bank
yang sama/Owned by the same
ultimate shareholder
PT PFI Mega Life Insurance Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Allo Fresh Indonesia Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Asuransi Umum Mega Dimiliki oleh pemegang saham akhir Asuransi/Insurance
yang sama/Owned by the same Simpanan/Deposits
ultimate shareholder Beban bunga/Interest expense
PT CT Corpora Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Corpora Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Retail Indonesia Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
90
Page 663
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pihak Berelasi/ Sifat Hubungan Berelasi/ Transaksi / Transactions
Related Parties The Nature of Relation
PT Trans Media Corpora Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Duta Visual Nusantara Tivi Tujuh Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Mega Capital Sekuritas Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Kalla Makassar Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Mega Central Finance Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Mega Auto Finance Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Mega Finance Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Fashion Indonesia Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Metropolitan Retailmart Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
Yayasan CT Arsa Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Alfa Retailindo Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Parabandung Propertindo Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Fashion Dimiliki oleh pemegang saham akhir Kredit yang diberikan/Loans
yang sama/Owned by the same Simpanan/Deposits
ultimate shareholder Beban bunga/Interest expense
PT Multi Citra Abadi Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Indonusa Telemedia Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Taman Hiburan Bali Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
91
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pihak Berelasi/ Sifat Hubungan Berelasi/ Transaksi / Transactions
Related Parties The Nature of Relation
PT Taman Hiburan Cibubur Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Televisi Transformasi Indonesia Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Berita Bisnis Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Digital Media Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Media Sosial Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans News Corpora Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Mega Asset Management Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Bali Properti Developer Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Anta Express Tour & Travel Services Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Vaya Micetama Servindo Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Cibubur Property Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Para Bali Propertindo Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Burger Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Studio Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Property Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Properti Indonesia Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
92
Page 665
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pihak Berelasi/ Sifat Hubungan Berelasi/ Transaksi / Transactions
Related Parties The Nature of Relation
PT Trans Properti Manajemen Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
Perhimpunan Pemilik Penghuni Dimiliki oleh pemegang saham akhir Simpanan/Deposits
Rumah Susun Sementara Kawasan yang sama/Owned by the same Beban bunga/Interest expense
Trans Park Juanda ultimate shareholder
Perhimpunan Pemilik Penghuni Dimiliki oleh pemegang saham akhir Simpanan/Deposits
Rumah Susun Sementara Kawasan yang sama/Owned by the same Beban bunga/Interest expense
Trans Park Cibubur ultimate shareholder
Perhimpunan Pemilik Penghuni Dimiliki oleh pemegang saham akhir Simpanan/Deposits
Rumah Susun Sementara Kawasan yang sama/Owned by the same Beban bunga/Interest expense
Trans Park Bintaro ultimate shareholder
Perseorangan/Individual Komisaris/Commissioner Kredit yang diberikan/Loans
Direksi/Director Simpanan/Deposits
Pejabat Eksekutif/Executive Staff Pendapatan bunga/Interest income
Beban bunga/Interest expense
Transaksi pihak berelasi Transactions with related parties
a. Kegiatan usaha Bank a. Bank business activities
2025 2024
Aset Assets
Giro pada bank lain (Catatan 6) Current account with other banks (Note 6)
PT Bank Mega Tbk 33,779,608,056 42,666,773,814 PT Bank Mega Tbk
PT Bank Mega Syariah 4,076,201,694 4,062,754,684 PT Bank Mega Syariah
37,855,809,750 46,729,528,498
Cadangan kerugian Allowance for
penurunan nilai (37,855,810) (46,729,528) impairment losses
Jumlah giro pada bank lain 37,817,953,940 46,682,798,970 Total current account with other banks
Penempatan pada bank lain (Catatan 7) Placements with other banks (Note 7)
PT Bank Mega Tbk 450,000,000,000 1,750,000,000,000 PT Bank Mega Tbk
PT Bank Mega Syariah -- 400,000,000,000 PT Bank Mega Syariah
Jumlah penempatan pada bank lain 450,000,000,000 2,150,000,000,000 Total placements with other banks
Efek-Efek (Catatan 8) Marketable Securities (Note 8)
PT Bank Mega Tbk 48,424,950,000 -- PT Bank Mega Tbk
Kredit yang diberikan (Catatan 10) Loans (Note 10)
PT Trans Property 300,000,000,000 -- PT Trans Property
PT Trans Fashion 196,750,000,000 199,750,000,000 PT Trans Fashion
Koperasi Konsumen Transmedia 2,526,000,000 -- Koperasi Konsumen Transmedia
Lain-lain di bawah Rp1 miliar 93,762,656 113,894,975 Others - below Rp1 billion
PT Trans Kalla Makassar -- 391,580,000,000 PT Trans Kalla Makassar
499,369,762,656 591,443,894,975
Cadangan kerugian Allowance for
penurunan nilai (523,957,159) (3,325,942,895) impairment losses
Jumlah kredit yang diberikan 498,845,805,497 588,117,952,080 Total loans
Pendapatan bunga yang masih
akan diterima (Catatan 11) 976,749,471 3,747,855,319 Interest receivables (Note 11)
Jumlah aset yang terkait
dengan pihak berelasi 987,640,508,908 2,788,548,606,369 Total assets with related parties
Persentase dari jumlah aset 5.35% 19.94% Percentage of total assets
93
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2025 2024
Liabilitas Liabilities
Simpanan nasabah (Catatan 18) Deposits from customers (Note 18)
Giro 15.874.994.821 27.723.748.849 Current account
Tabungan 3.797.944 -- Saving deposit
Deposito 705.168.270.168 187.478.189.054 Time deposit
Simpanan dari bank lain (Catatan 19) 9.639.737 11.172.132 Deposits from other banks (Note 19)
Jumlah liabilitas yang terkait dengan
pihak berelasi 721.056.702.670 215.213.110.035 Total liabilities with related parties
Persentase dari jumlah liabilitas 6,58% 3,20% Percentage of total liabilities
hvy
Pendapatan bunga (Catatan 26) 22.199.314.087 42.284.748.291 Interest income (Note 26)
Persentase dari jumlah pendapatan
bunga 1,19% 2,84% Percentage of total interest income
Beban bunga (Catatan 27) 50.356.113.846 122.641.557.383 Interest expenses (Note 27)
Persentase dari jumlah beban bunga 11,90% 33,20% Percentage of total interest expenses
Beban operasional lainnya (Catatan 32) Other operating expenses (Note 32)
Penyusutan aset hak-guna sewa 13.752.225.535 12.549.310.163 Depreciation of right-of-use assets
Asuransi Insurance
PT Asuransi Umum Mega 5.028.799.305 19.637.760.932 PT Asuransi Umum Mega
Jumlah beban operasional lainnya Total other operating
yang terkait dengan pihak berelasi 18.781.024.840 33.526.386.351 expenses with related parties
Persentase dari jumlah beban Percentage of total other operating
operasional lainnya 2,32% 4,57% expenses
Rincian gaji dan tunjangan yang diberikan Details of salary and benefits given to
kepada Dewan Komisaris, Dewan Direksi, Board of Commissioners, Board of
Komite Audit dan Komite Pemantau Risiko Directors, Audit Committee, Risk
dan Komite Remunerasi dan Nominasi Monitoring Committee and Remuneration
Bank adalah sebagai berikut: and Nomination Committee of the Bank
are as follows:
2025
Gaji/ Tunjangan/ Jumlah/
Salary Benefits Total
Dewan Komisaris 4.980.000.000 971.096.236 5.951.096.236 Board of Commissioners
Dewan Direksi 10.793.333.333 2.393.668.105 13.187.001.438 Board of Directors
Komite Audit, Komite Audit Committee, Risk
Pemantau Risiko dan Monitoring Committee
Komite Remunerasi and Remuneration
dan Nominasi 1.550.184.000 376.054.160 1.926.238.160 and Nomination
Jumlah 17.323.517.333 3.740.818.501 21.064.335.834 Total
2024
Gaji/ Tunjangan/ Jumlah/
Salary Benefits Total
Dewan Komisaris 4.860.000.000 934.372.971 5.794.372.971 Board of Commissioners
Dewan Direksi 13.960.000.000 3.076.459.473 17.036.459.473 Board of Directors
Komite Audit, Komite Audit Committee, Risk
Pemantau Risiko dan Monitoring Committee
Komite Remunerasi and Remuneration
dan Nominasi 1.635.600.000 351.817.433 1.987.417.433 and Nomination
Jumlah 20.455.600.000 4.362.649.877 24.818.249.877 Total
94
Page 667
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Jumlah pesangon pengakhiran masa kerja The total severance payments upon
kepada manajemen kunci pada termination of employment to key
31 Desember 2025 dan 2024 masing- management personnel as of December
masing sebesar Rp1.231.635.000 dan 31, 2025 and 2024 amounted to
Rp821.327.249.948. Rp1,231,635,000 and Rp821,327,249,948,
respectively.
Berdasarkan Perjanjian No. 021/PKS/AB- Based on Agreement No. 021/PKS/AB-
BM/IX/2021 tanggal 20 September 2021 BM/IX/2021 dated September 20, 2021,
antara PT Bank Mega Tbk dan Bank between PT Bank Mega Tbk and the Bank
terkait penyediaan Jasa Teknologi for the provision of Data Center and/or
Informasi Data Center dan/atau Data Data Recovery Center Information
Recovery Center, perjanjian tersebut Technology Services, the agreement was
berlaku selama 3 (tiga) tahun terhitung valid for a period of three (3) years
sejak 23 September 2021 sampai dengan commencing on September 23, 2021 until
22 September 2024. Selanjutnya, September 22, 2024. The agreement was
perjanjian tersebut telah diperpanjang subsequently extended based on
berdasarkan Addendum No. Addendum No. 018/PKS/IX/2024,
018/PKS/IX/2024 sehingga masa berlaku extending the term for an additional three
diperpanjang untuk 3 (tiga) tahun (3) years from September 23, 2024 until
berikutnya, terhitung sejak 23 September September 22, 2027.
2024 sampai dengan 22 September 2027.
Berdasarkan Perjanjian No. Based on agreement No.
016/PKS/X/2024 pada tanggal 9 Oktober 016/PRFS/X/2024 dated October 9, 2024,
2024 antara Bank Mega Tbk dengan Bank between Bank Mega Tbk and the Bank for
untuk menyewa ruangan di Gedung Bank rent space in Bank Mega Card Center
Mega Card Center. Perjanjian ini Building. This agreement lasts for 4 years,
berlangsung selama 4 tahun, terhitung starting on October 9, 2024 until
mulai tanggal 9 Oktober 2024 sampai October 8, 2028.
dengan 8 Oktober 2028.
Berdasarkan Perjanjian No. Based on agreement No. 029/PRFS/2021
029/PRFS/2021 pada tanggal dated October 26, 2021, between Bank
26 Oktober 2021 antara Bank Mega Tbk Mega Tbk and the Bank for rent space in
dengan Bank untuk menyewa ruangan di Menara Bank Mega Building. This
Gedung Menara Bank Mega. Perjanjian ini agreement lasts for 5 years, starting on
berlangsung selama 5 tahun, terhitung November 1, 2021 until October 30, 2026.
mulai tanggal 1 November 2021 sampai
dengan 30 Oktober 2026.
Berdasarkan Perjanjian No. Based on agreement No. 001/PKS/AUM-
001/PKS/AUM-MKT_BG-BHI/V/2021 pada MKT_BG-BHI/V/2021 dated May 6, 2021,
tanggal 6 Mei 2021 antara between PT Asuransi Umum Mega and
PT Asuransi Umum Mega dengan Bank the Bank for procurement of insurance
untuk pengadaan jasa asuransi bagi services for credit collateral. This
agunan kredit. Perjanjian ini berlangsung agreement lasts for 2 years, starting on
selama 2 tahun, terhitung mulai tanggal May 6, 2021 until May 6, 2023 and is
6 Mei 2021 sampai dengan 6 Mei 2023 automatically renewed.
dan diperpanjang otomatis.
Berdasarkan Perjanjian No. Based on agreement No. 001/PRFS/2022
001/PRFS/2022 pada tanggal dated January 3, 2022, between PT Bank
3 Januari 2022 antara PT Bank Mega Tbk Mega Tbk and the Bank to rent the
dengan Bank untuk menyewa lantai Mezanine floor in Menara Bank Mega
Mezanine di Gedung Menara Bank Mega. Building. This agreement lasts for
Perjanjian ini berlangsung selama 5 years, starting on Januari 3, 2022 until
5 tahun, terhitung mulai tanggal January 2, 2027.
3 Januari 2022 sampai dengan
2 Januari 2027.
95
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Berdasarkan Perjanjian No. Based on Agreement No. 004/PRFS/2022
004/PRFS/2022 tanggal 15 Maret 2022 dated March 15, 2022 between PT Bank
antara PT Bank Mega Tbk dan Bank Mega Tbk and the Bank for the lease of
terkait sewa ruangan di lantai dasar office space on the ground floor of Menara
Gedung Menara Bank Mega, perjanjian Bank Mega Building, the agreement was
tersebut berlaku selama 3 (tiga) tahun valid for a period of three (3) years
terhitung sejak 15 Maret 2022 sampai commencing on March 15, 2022 until
dengan 14 Maret 2025. Selanjutnya, March 14, 2025. The agreement was
perjanjian tersebut telah diperpanjang subsequently extended based on
berdasarkan Addendum No. Addendum No. 011/ADD/III/2025 for an
011/ADD/III/2025 untuk jangka waktu additional three (3) years from
3 (tiga) tahun berikutnya, terhitung sejak March 15, 2025 until March 14, 2028.
15 Maret 2025 sampai dengan
14 Maret 2028.
Berdasarkan perjanjian No. Based on agreement No. 008/PRFS/2025
008/PRFS/2025 pada tanggal dated March 21, 2025, between PT Bank
21 Maret 2025 antara PT Bank Mega Tbk Mega Tbk and the Bank to archive space
dengan Bank untuk menyewa ruangan at Bank Mega’s archive warehouse in Setu
arsip di gudang arsip Bank Mega di Setu Cipayung. This agreement lasts for
Cipayung. Perjanjian ini berlangsung 5 years, starting on April 1, 2025 until
selama 5 tahun, terhitung mulai tanggal March 31, 2030.
1 April 2025 sampai dengan
31 Maret 2030.
38. Komitmen Dan Kontinjensi 38. Commitments And Contingencies
Akun-akun di bawah ini dicatat didalam laporan The accounts below are recorded in the
posisi keuangan ekstra-komtabel (off-balance statements of financial position of extra-
sheet): comptable (off-balance sheet):
2025 2024
Komitmen Commitments
Liabilitas komitmen Commitments liabilities
Fasilitas kredit kepada nasabah
yang belum digunakan (6.653.705.301.710) (2.337.457.472.020) Unused loan facilities to debtors
Kontinjensi Contingencies
Tagihan kontinjensi Contingencies receivables
Pendapatan bunga dalam
penyelesaian 88.189.894.174 14.302.018.515 Past due interest receivables
Kredit hapus buku 455.668.045.515 99.493.427.700 Written-off loans
Jumlah komitmen dan Total commitments and
kontinjensi - neto (6.109.847.362.021) (2.223.662.025.805) contingencies - net
Bank memiliki saldo transaksi komitmen dan The Bank has commitments and contingencies
kontinjensi dengan pihak berelasi atas fasilitas transaction with related parties for unused loan
kredit kepada nasabah yang belum digunakan facilities amounting to Rp1,039,037,344 and
sebesar Rp1.039.037.344 dan Rp1,235,449,292 as at December 31, 2025
Rp1.235.449.292 pada tanggal 31 Desember and 2024, respectively.
2025 dan 2024.
96
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
39. Jaminan Pemerintah Terhadap Kewajiban 39. Government Guarantee On Obligations Of
Pembayaran Bank Umum Commercial Banks
Berdasarkan Undang-Undang No. 24 tentang Based on Law No. 24 concerning the Indonesia
Lembaga Penjaminan Simpanan (LPS) tanggal Deposit Insurance Corporation (LPS) dated
22 September 2004, efektif sejak tanggal September 22, 2004, effective September 22,
22 September 2005, sebagaimana diubah 2005, as amended by Law No. 7 of 2009 dated
dengan Undang-Undang No. 7 Tahun 2009 January 13, 2009 concerning the Stipulation of
tanggal 13 Januari 2009 tentang Penetapan Government Regulation in Lieu of Law No. 3 of
Peraturan Pemerintah sebagai mana diubah 2008 as Law, and further amended by Law No.
dengan Undang-Undang No. 4 Tahun 2023 4 of 2023 concerning the Development and
tentang pengembangan dan Penguatan Sektor Strengthening of the Financial Sector dated
keuangan tanggal 12 Januari 2023, LPS January 12, 2023, LPS guarantees certain
dibentuk untuk menjamin liabilitas tertentu liabilities of commercial banks under the
bank-bank umum berdasarkan program applicable guarantee program, the amount of
penjaminan yang berlaku, yang besaran nilai which may be adjusted if specific criteria are
jaminannya dapat berubah jika memenuhi met.
kriteria tertentu yang berlaku.
Berdasarkan Peraturan Pemerintah Republik In accordance with Indonesia Government
Indonesia No. 66 Tahun 2008 tanggal Regulation No. 66 Year 2008 dated October
13 Oktober 2008, yang menyatakan bahwa 13, 2008, starting October 13, 2008 the
sejak tanggal 13 Oktober 2008 besaran nilai “Indonesia Deposit Insurance Agency (LPS)”
simpanan yang dijamin Lembaga Penjamin will guarantee bank deposits of each customers
Simpanan (LPS) untuk setiap nasabah pada in one bank for maximum of Rp100,000,000,
satu bank yang semula maksimal previously, then was changed to maximum of
Rp100.000.000 diubah menjadi maksimal Rp2,000,000,000.
Rp2.000.000.000.
Berdasarkan Surat Edaran No.PENG- Based on Circular Letter No. PENG-
3/DSPS/2025 tentang Penetapan Tingkat 3/DSPS/2025 on Determination Interest Rate
Bunga Penjaminan Untuk Simpanan di Bank Guarantee for Deposits at Commercial Banks
Umum tanggal 27 Mei 2025, tingkat bunga dated May 27, 2025, the interest rate
penjaminan periode 1 Juni 2025 sampai guarantee period June 1, 2025 up to
dengan 30 September 2025 untuk simpanan di September 30, 2025 for deposits in commercial
bank umum adalah 4,00% untuk mata uang banks is 4.00% for Rupiah and 2.25% for
Rupiah dan 2,25% untuk mata uang asing. foreign currency.
Pada tanggal 31 Desember 2025 dan 2024, As at December 31, 2025 and 2024, the Bank
Bank adalah peserta dari program penjaminan is a participant of the program.
tersebut.
Beban premi penjaminan Pemerintah yang The Government guarantee premium paid as at
dibayar selama pada tanggal 31 Desember December 31, 2025 and 2024 amounting to
2025 dan 2024 masing-masing sebesar Rp11,585,324,492 and Rp9,418,100,724,
Rp11.585.324.492 dan Rp9.418.100.724 respectively (Note 27).
(Catatan 27).
97
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
40. Informasi Segmen Usaha 40. Operating Segment Information
Berikut ini adalah informasi segmen Bank Information regarding the operating segments
berdasarkan segmen operasi: of the Bank are as follows:
31 Desember/December 31, 2025
Korporasi/ Ritel/ Tresuri/ Jumlah/
Corporate Retail Treasury Total
Pendapatan Bunga Bersih 341.337.983.201 696.426.190.685 403.053.644.436 1.440.817.818.322 Net Interest Income
Pendapatan Operasional Lainnya 64.901.408.827 374.088.096.816 103.583.282.087 542.572.787.730 Other Operating Income
Penyisihan Cadangan Kerugian Provision on Allowance for
Penurunan Nilai 28.995.282.200 (466.266.356.744) (106.085.561) (437.377.160.105) Impairment Losses
Beban Tenaga Kerja (4.222.807.056) -- (198.754.066.768) (202.976.873.824) Personnel Expenses
Beban Umum dan Administrasi (16.095.572.204) (466.995.166.240) (122.051.418.586) (605.142.157.030) General and Administrarive Expenses
Laba Operasional 414.916.294.968 137.252.764.517 185.725.355.608 737.894.415.093 Operational Income
Pendapatan Non Operasional (371.993.201) (504.006.061) -- (875.999.262) Non Operating Income
Laba Sebelum Pajak Penghasilan 414.544.301.767 136.748.758.456 185.725.355.608 737.018.415.831 Income Before Income Tax
Beban Pajak Penghasilan (162.756.852.756)
-- -- --
-- (162.756.852.756) Income Tax Expenses
Laba Bersih 251.787.449.011 136.748.758.456 185.725.355.608 574.261.563.075 Net Income
Korporasi/ Ritel/ Tresuri/ Jumlah/
Corporate Retail Treasury Total
Pendapatan Bunga Bersih 571.283.791.597 289.857.041.221 256.360.783.116 1.117.501.615.934 Net Interest Income
Pendapatan Operasional Lainnya 25.080.265.979 235.210.862.349 69.095.190.316 329.386.318.644 Other Operating Income
Penyisihan Cadangan Kerugian Provision on Allowance for
Penurunan Nilai 9.600.037.090 (123.801.246.494) 160.227.487 (114.040.981.917) Impairment Losses
Beban Tenaga Kerja (55.440.768.450) (116.582.143.611) -- (172.022.912.061) Personnel Expenses
Beban Umum dan Administrasi (67.233.177.602) (494.767.949.339) -- (562.001.126.941) General and Administrarive Expenses
Laba Operasional 483.290.148.614 (210.083.435.874) 325.616.200.919 598.822.913.659 Operational Income
Pendapatan Non Operasional 387.133.765 (260.639.324) -- 126.494.441 Non Operating Income
Laba Sebelum Pajak Penghasilan 483.677.282.379 (210.344.075.198) 325.616.200.919 598.949.408.100 Income Before Income Tax
Beban Pajak Penghasilan (131.843.669.087)
-- -- --
-- (131.843.669.086) Income Tax Expenses
Laba Bersih 351.833.613.292 (210.344.075.198) 325.616.200.919 467.105.739.014 Net Income
41. Manajemen Risiko 41. Risk Management
Kerangka Manajemen Risiko Risk Management Framework
Bank menerapkan manajemen risiko terpadu The Bank applies integrated and
dan komprehensif sehingga mampu comprehensive risk management that is
mendukung pencapaian target kinerja dan capable to support the achievement of
menjaga kelangsungan usaha. Strategi performance targets and maintain business
manajemen risiko yang proaktif akan continuity. Proactive risk management strategy
meningkatkan efektivitas penggunaan modal will improve effectiveness of capital utilization
dan tingkat pengembangan modal (Return on and the level of capital development (Return on
Equity) sehingga dapat memberikan nilai Equity) thus it can provide value added to the
tambah bagi pemegang saham. shareholders.
Bank telah memperhatikan cakupan penilaian The Bank has focused on the assessment
penerapan manajemen risiko melalui profil coverage of the management risk
risiko Bank baik penilaian inherent risk maupun implementation through the Bank’s profile risk
penilaian kualitas penerapan manajemen risiko either assessment of inherent risk or
serta menyesuaikan setiap indikator penilaian assessment of quality management risk
sesuai dengan peraturan yang baru dengan implementation and adjust each assesments
menggunakan konsep Risk Based Bank Rating indicators to the new regulations by using the
(RBBR). Risk Based Bank Rating (RBBR concept).
Berdasarkan self-assessment yang dilakukan Based on the self-assessment conducted by
Bank selama periode 31 Desember 2025, the Bank during the period of December 31,
secara keseluruhan, tingkat profil risiko yang 2025 overally, the Bank’s risk profile composite
dihadapi Bank adalah pada peringkat komposit rating is 2 (two). Various attempts to maintain
2 (dua). Berbagai upaya untuk the ratings on a composite rating 2 (two) are
mempertahankan penilaian pada peringkat carried out continuously, especially the
komposit 2 (dua) terus dilakukan terutama improvement and evaluation of the four major
perbaikan dan evaluasi pada empat kategori risks faced by the Bank, in addition to other
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
risiko utama yang dihadapi Bank, disamping risks. The four key risks faced by the Bank are
risiko lainnya. Keempat risiko utama yang credit risk, market risk, liquidity risk, and
dihadapi Bank adalah risiko kredit, risiko pasar, operational risk. By involving all elements in the
risiko likuiditas, dan risiko operasional. Dengan Bank which is the Board of Commissioners and
melibatkan semua unsur dalam Bank dimana the Board of Directors that have the role to
Dewan Komisaris dan Direksi mempunyai ensure the implementation of risk management
tugas memastikan penerapan manajemen has been adequate in accordance with
risiko telah memadai sesuai kompleksitas dan complexity and the Bank’s risk profile and
profil risiko Bank serta memahami dengan baik understand well the types and level of inherent
jenis dan tingkat risiko yang melekat pada risk on the Bank’s business activities.
kegiatan bisnis Bank.
Mekanisme pengelolaan risiko secara day to Day to day risk management mechanism is
day dengan berdasarkan prinsip kehati-hatian based on conservatism principle that has been
telah dituangkan dalam beberapa kebijakan contained in several policies and procedures,
dan prosedur, yang merupakan aturan acuan which is as a reference regulation in
dalam implementasi manajemen risiko pada implementation of risk management in all the
seluruh kegiatan bisnis Bank yang meliputi Bank’s business activities including policy,
kebijakan, strategi, organisasi, sistem informasi strategy, organization, information system of
manajemen risiko, pengawasan risiko, risk management, risk monitoring, product
pengelolaan produk, aktivitas baru, dan management, new activity, and Business
Business Continuity Plan (BCP). Continuity Plan (BCP).
Untuk menjamin tercapainya praktik In order to ensure the achievement of the best
manajemen risiko terbaik pada Bank, kontribusi risk management practices in the Bank, the
dari Komite Pemantau Risiko dan Komite Audit contribution of the Risk Monitoring Committee
dinilai memadai dalam mendukung and Audit Committee is considered adequate to
pelaksanaan tugas Dewan Komisaris. Komite support the duty of the Board of
Pemantau Risiko memiliki tanggung jawab Commissioners. The Risk Monitoring
dalam pemantauan dan evaluasi pelaksanaan Committee has responsibility in monitoring and
manajemen risiko di Bank, sedangkan Komite evaluation the implementation risk
Audit bertanggung jawab dalam pemantauan management in the Bank, while the Audit
dan evaluasi pelaksanaan audit, pengendalian Committee has responsibility in monitoring and
proses internal dan pelaporan keuangan. evaluation the audit implementation, internal
control and financial reporting.
Kedua komite pendukung Dewan Komisaris Both committees that support the Board of
tersebut berperan sebagai organ Commissioners act as complementary parts to
komplementer bagi satu sama lain dalam hal one another in terms of conducting surveillance
melakukan pengawasan pada Bank, tetapi for the Bank, but both of them have
keduanya memiliki tanggung jawab di ranah responsibilities in different realms.
yang berbeda.
Manajemen Risiko Aset dan Liabilitas Risk Management Asset and Liabilities
Manajemen Aset/Liabilitas adalah serangkaian Management Assets/Liabilities is a set of
tindakan dan prosedur yang dirancang untuk actions and procedures designed to control
mengontrol posisi keuangan, dalam financial position, to support and assist the
mendukung dan membantu pelaksanaan tugas implementation of director’s duty in maintaining
direksi dalam memelihara struktur neraca yang the structure of strong balance sheet, the Bank
kuat, Bank telah membentuk Asset and Liability has established the Asset and Liability
Committee (ALCO) yang diketuai oleh Direktur Committee (ALCO) which is chaired by
Utama dan wakil ketua Direktur Bisnis dengan President Director and vice chairment by
anggota lainnya terdiri dari Direktur Keuangan Director of Business, with other members
dan Operasi, Direktur Risiko, Kepatuhan, consisting Finance and Operations Director,
Human Capital dan Hukum, Kepala Keuangan Risk, Compliance, Human Capital and Legal
dan Akunting, Kepala Pendanaan, Kepala Director, Finance and Accounting Head,
Kredit, Kepada Risiko Kredit dan Kepala Divisi Funding Head, Credit Head, Credit Risk Head
Treasury sebagai sekretaris. and Head Treasury Division as secretary.
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
ALCO bertanggung jawab untuk mengevaluasi, ALCO is responsible for evaluating, proposing,
mengusulkan, dan menetapkan strategi and establishing the strategy of the Bank’s
pendanaan dan investasi Bank. Ruang lingkup funding and investment. The scope of ALCO is
ALCO adalah mengelola risiko likuiditas, risiko to manage liquidity risk, interest rate risk and
tingkat suku bunga, dan risiko nilai tukar valuta foreign exchange risk; minimize funding costs
asing; meminimalkan biaya pendanaan serta and maintain liquidity at the same time; and
mempertahankan likuiditas pada saat yang optimize the acquisition of the Bank’s interest
bersamaan; dan mengoptimalkan perolehan income by allocating funds in productive assets
pendapatan bunga Bank dengan carefully.
mengalokasikan dana pada aset produktif
secara hati-hati.
Proses pengelolaan aset dan liabilitas Bank The process of managing the Bank’s assets
dimulai dengan pengkajian parameter ekonomi and liabilities starts with an assessment of
yang mempengaruhi Bank, yang umumnya economic parameters affecting the Bank, which
terdiri dari tingkat inflasi, likuiditas pasar, yield generally consist of inflation rate, market
curve, nilai tukar valuta asing terhadap rupiah, liquidity, yield curve, the exchange rate of
dan faktor makro ekonomi lainnya. Kajian foreign currency, and other macro economic
tersebut oleh Satuan Kerja Manajemen Risiko factors. The review by the Risk Management
dilaporkan kepada Asset and Liability Unit reported to the Asset and Liability
Committee (ALCO). ALCO kemudian akan Committee (ALCO). Then ALCO will define the
menentukan strategi bisnis dalam penetapan business strategy in the setting of interest rates
tingkat bunga simpanan dan kredit on deposits and loans based on the conditions,
berdasarkan kondisi, kebijakan dan policies and funding allocation, evaluation of
pengalokasian dana, evaluasi kewajiban- the Bank obligations, and monitoring of the
kewajiban Bank, dan pemantauan laba Bank Bank’s earnings that have been achieved as
yang telah dicapai serta memonitor posisi well as monitoring its liquidity position.
likuiditas.
Risiko Kredit Credit Risk
Risiko Kredit adalah risiko yang timbul sebagai Credit Risk is risk which arises as a result of
akibat kegagalan counterparty memenuhi counterparty failure fulfilling the obligation. The
liabilitasnya. Bank melakukan pengelolaan Bank manages credit risk by developing
risiko kredit dengan menyusun strategi dan strategies and frameworks as well as running
kerangka kerja serta menjalankan upaya the risk mitigation efforts on the business
mitigasi risiko atas aspek bisnis perkreditan aspects of micro lending, retail, commercial, or
mikro, retail, komersial, maupun konsumsi, consumption, inter-bank placements, and
penempatan antar-bank, serta pembelian surat purchases of securities.
berharga.
Untuk menjaga agar kualitas kredit Bank tetap In order to keep the credit quality of the Bank
terjaga dengan baik, maka pemantauan maintained properly, then the monitoring of the
terhadap kualitas kredit terus dilakukan secara credit quality continues to be done on a regular
rutin, baik per kategori kredit (Retail, Komersial, basis, either by loan category (Retail,
dan Konsumsi) maupun portofolio kredit secara Commercial, and Consumption) as well as
keseluruhan. Sistem pengukuran profil risiko overall loan portfolio. Debtor risk profile
debitur, prosedur, sistem manajemen risiko, measurement system, procedures, risk
sistem database, dan organisasi perkreditan management systems, database systems, and
terus disempurnakan dengan penekanan credit organizations continue to be refined with
kepada penerapan prinsip “empat mata” (four an emphasis on the application of the “four
eyes principle) dimana keputusan kredit diambil eyes” principle (four eyes principle) where
berdasarkan pertimbangan dari dua sisi, yaitu credit decisions are taken based on the
sisi pengembangan bisnis dan sisi analisis consideration of the two sides, namely the
risiko kredit. development of the business side and the
credit risk analysis side.
Bank juga membentuk Komite Kredit untuk The Bank also formes a Credit Committee to
membantu Direksi mengevaluasi dan/atau help the Board of Director evaluate and/or
memberikan keputusan kredit sesuai batas provide credit Decisions in accordance with the
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
wewenangnya melalui Rapat Komite Kredit limits of its authority through the Credit
atau Surat Edaran Direksi. Fungsi pokok Committee Meeting or Directors Circular Letter.
Komite Kredit adalah: The major functions of Credit Committee are:
1. Memastikan bahwa seluruh aspek telah 1. To ensure that all aspects have been
memenuhi prinsip pemberian kredit yang fulfilling the principle of sound lending in
sehat sesuai dengan Pedoman Kebijakan accordance with the Bank's Credit Policy
Perkreditan Bank; Guidance;
2. Memastikan bahwa kredit yang diberikan 2. To ensure that the loans do not violate the
tidak melanggar prinsip kehati-hatian; principle of prudence;
3. Meyakini bahwa kredit yang akan diberikan 3. To convince that the loan will be given can
dapat dilunasi pada saat jatuh tempo be repaid at maturity based on an analysis
berdasarkan analisis terhadap permohonan of the application filed by the prospective
yang diajukan oleh calon debitur; debtor;
4. Memberikan persetujuan atau penolakan 4. To provide approval or rejection on credit
atas permohonan kredit setelah application after obtaining sufficient
memperoleh informasi yang cukup dari information from proposer; and
pengusul; dan
5. Memberikan persyaratan tertentu (jika 5. To provide certain requirements (if deemed
dipandang perlu) sebagai salah satu bentuk necessary) as one form of credit risk
mitigasi risiko kredit yang mungkin akan mitigation that might arise.
timbul.
Bank telah mengembangkan pengelolaan risiko The Bank has developed credit risk
kredit, dengan melakukan analisis stress management by conducting regular stress
testing secara berkala terhadap portofolio testing analysis of the loan portfolio as well as
kredit serta melakukan monitoring terhadap the monitoring of the results of the stress
hasil stress testing tersebut. Stress testing testing. Stress testing is beneficial for the Bank
bermanfaat bagi Bank sebagai alat untuk as a tool for estimating the impact of risk on the
memperkirakan besarnya dampak risiko pada “stressful condition” so that the Bank can make
“stressful condition” sehingga Bank dapat appropriate strategies to mitigate these risks as
membuat strategi yang sesuai untuk part of the implementation of the “contingency
memitigasi risiko tersebut sebagai bagian dari plan”.
pelaksanaan “contingency plan”.
Dalam melakukan pengelolaan risiko kredit In conducting credit risk management, the
Bank sangat memperhatikan hal-hal yang Bank is very concerned of several things
meliputi sumber daya manusia yang sadar including human resource who is aware of the
risiko, proses persetujuan kredit yang risks, transparent and gradual credit approval
transparan dan berjenjang oleh Komite Kredit, process by Credit Committee, procedures,
tata cara, kriteria dan alat ukur risiko yang criteria and a distinctive risk measuring tool,
jelas, administrasi dan dokumentasi yang administration and complete documentation
lengkap serta pengawasan kredit secara and continuously credit monitoring of loans
berkesinambungan terhadap kualitas kredit quality, monitoring of debtors and taking
yang diberikan, pengawasan atas debitur dan actions needed to avoid the credit quality
mengambil tindakan yang diperlukan agar become non-performing loans (NPL), do
kualitas kreditnya tidak menjadi non-performing intensive billing to non-performing debtors,
loans (NPL), melakukan penagihan secara reviewing and evaluating indicator of risk and
intensif terhadap debitur bermasalah, compliance aspects for evaluating
melakukan kaji ulang dan mengevaluasi implementation of four eyes principles, intensify
indikator aspek risiko dan kepatuhan untuk meeting of credit committee decision for giving
mengevaluasi penerapan four eyes principles, credit with large credit limit, and consistently
mengintensifkan rapat komite pemutus kredit monitor credit in order to expand healthy and
untuk pemberian kredit dengan plafon besar, quality credit.
dan secara konsisten memantau kredit dalam
rangka ekspansi kredit yang sehat dan
berkualitas.
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Selama tahun 2025 dan 2024, tidak terdapat During 2025 and 2024, there are no loans
pemberian kredit pihak ketiga tidak terkait granted to third parties that exceed the Legal
yang melampaui Batas Maksimum Pemberian Lending Limit (LLL) required by Financial
Kredit (BMPK) yang ditetapkan oleh Otoritas Services Authority.
Jasa Keuangan.
Untuk tahun-tahun yang berakhir For the years ended December 31, 2025 and
31 Desember 2025 dan 2024, profil risiko 2024, rating of the loan risk profile is 2 (two),
kredit Bank berada pada peringkat 2 (dua). respectively.
a. Eksposur maksimum terhadap risiko a. Maximum exposure to credit risk
kredit
Dalam aset keuangan yang diakui di The financial assets that are recognized in
laporan posisi keuangan, eksposur the statement of financial position, the
maksimum terhadap risiko kredit sama maximum exposure to credit risk is equal
dengan nilai tercatatnya. Untuk bank to its carrying value. For bank guarantees
garansi yang diterbitkan, eksposur issued, the maximum exposure to credit
maksimum terhadap risiko kredit adalah risk is a value that must be paid by the
nilai yang harus dibayarkan oleh Bank jika Bank if the liabilities for bank guarantees
kewajiban atas bank garansi yang issued occur or be realized. For credit
diterbitkan terjadi atau terealisasi. Untuk commitments, the maximum exposure to
komitmen kredit, eksposur maksimum atas credit risk is equal to total amount of the
risiko kredit adalah sebesar jumlah undrawn commited credit granted to
fasilitas yang belum ditarik dari nilai penuh customers.
fasilitas kredit yang telah disepakati
(committed) kepada nasabah.
Tabel berikut menyajikan eksposur The following table presents the Bank's
maksimum risiko kredit Bank atas maximum exposure to credit risk on
instrumen keuangan pada laporan posisi financial instruments in the statement of
keuangan (on-balance sheet) dan financial position (on-balance sheet) and
rekening administratif (off-balance sheet), administrative accounts (off-balance
tanpa memperhitungkan agunan yang sheet), without taking into account
dimiliki atau perlindungan kredit lainnya. collateral or other credit enchancement.
2025 2024
Laporan Posisi Keuangan Statement of Financial Position
Giro pada Bank Indonesia 471.749.063.588 234.891.975.965 Current accounts with Bank Indonesia
Giro pada bank lain 161.807.809.247 55.886.046.531 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 450.000.000.000 2.649.927.104.595 and other banks
Efek-efek 7.539.264.196.170 2.847.269.591.360 Marketable securities
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 288.948.983.326 288.657.110.000 resell agreement
Kredit yang diberikan 9.140.730.961.024 7.478.034.532.114 Loans
Pendapatan bunga yang masih
akan diterima 164.263.441.739 53.347.876.982 Interest receivables
Aset lain-lain 92.175.691.512 91.856.012.092 Other assets
Jumlah 18.308.940.146.606 13.733.211.449.245 Total
Rekening Administratif Administrative Accounts
Fasilitas kredit kepada nasabah Unused loan facilities
yang belum digunakan (Catatan 38) 6.653.705.301.710 2.337.457.472.020 to debtors (Note 38)
Jumlah 6.653.705.301.710 2.337.457.472.020 Total
b. Analisis konsentrasi risiko kredit b. Analysis of credit risk concentration
Bank mendorong adanya diversifikasi dari The Bank encourages the diversification of
portofolio kreditnya pada berbagai wilayah its loan portfolio in various geographic
geografis, industri, dan produk kredit regions, industries, and credit products in
sebagai upaya untuk meminimalkan risiko an effort to minimize credit risk.
kredit.
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Tabel di bawah ini adalah konsentrasi The following table is the Bank’s loan
kredit yang diberikan Bank yang concentration which describes loan based
menggambarkan pemberian kredit on economic sector and the intended use
berdasarkan sektor ekonomi dan tujuan of credit.
penggunaan kredit.
Konsentrasi kredit yang diberikan Bank The Bank’s loan concentration based on
berdasarkan sektor ekonomi adalah economic sector are as follows:
sebagai berikut:
2025 2024
Rp % Rp %
Sektor Ekonomi: Economic Sectors:
Perdagangan Besar Wholesale and
eceran 269.918.107.828 2,95 199.750.000.000 2,67 retail
Real estate, usaha
persewaan dan Real estate leasing services
jasa perusahaan 1.948.793.119.437 21,32 3.587.390.548.333 47,97 and servicing company
Industri pengolahan 1.889.019.064.789 20,67 1.448.750.650.366 19,37 Manufacturing electricity
Pertambangan dan Mining and
penggalian 1.093.873.598.221 11,97 291.420.098.221 3,90 excavation
Rumah tangga 904.835.683.444 9,90 1.363.675.930.481 18,24 Households
Perantara keuangan 459.049.889.630 5,02 114.724.964.490 1,53 Financial intermediaries
Pertanian, perburuan Agriculture, hunting
dan kehutanan 418.355.701.427 4,58 328.218.365.385 4,39 and forestry
Pengangkutan, pergudangan Transportation,warehousing
dan komunikasi -- -- 116.796.237.596 1,56 and communication
Lain-lain 2.156.885.796.248 23,60 1.363.675.930.481 0,37 Others
Jumlah 9.140.730.961.024 100 8.814.402.725.353 100 Total
Konsentrasi kredit yang diberikan Bank The Bank’s loans concentration by types
berdasarkan jenis penggunaan kredit of the use of loan are as follows:
adalah sebagai berikut:
2025 2024
Rp % Rp %
Jenis penggunaan Types of use
Investasi 4.884.973.192.706 53,00 5.099.633.637.143 68,00 Investment
Modal Kerja 2.098.871.972.070 23,00 1.014.884.097.910 14,00 Working Capital
Konsumsi 2.156.885.796.248 24,00 1.363.516.797.061 18,00 Consumer
Jumlah 9.140.730.961.024 100,00 7.478.034.532.114 100,00 Total
c. Analisis risiko kredit c. Credit risk analysis
Aset Keuangan yang Mengalami Financial Assets which Individually
Penurunan Nilai Secara Individual Impaired
Aset keuangan yang mengalami Financial assets which impaired
penurunan nilai secara individual adalah individually are financial assets that are
aset keuangan yang signifikan secara individually significant and have objective
individual dan telah terdapat bukti objektif evidence that an impairment individual has
bahwa penurunan nilai individual telah occurred after the initial recognition of the
terjadi setelah pengakuan awal aset asset.
keuangan tersebut.
Sesuai kebijakan internal Bank, kredit Corresponding to the Bank’s internal
yang ditentukan sebagai signifikan secara policies, a loan is defined as individually
individual adalah kredit yang diberikan significant is a loan given to debtors in
kepada debitur-debitur segmen komersial. commercial segment.
103
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Aset Keuangan yang Tidak Signifikan Financial Assets that is not Significant
Secara Individual dan Penurunan Nilainya Individually is Assessed for Collective
Dinilai Secara Kolektif Impairment
Aset keuangan yang nilainya tidak Financial assets which is not individually
signifikan secara individual adalah kredit significant are loans and receivables given
dan piutang yang diberikan oleh Bank by the Banks to debtors in retail segments,
kepada debitur-debitur segmen ritel yaitu namely debtors Micro and Small
debitur kredit Usaha Mikro dan Kecil Enterprises (SME), consumer financing
(UMK), kredit pembiayaan konsumen loans (including credit co-financing) and
(termasuk kredit pembiayaan bersama), housing loans.
dan kredit kepemilikan dan perbaikan
rumah.
Bank menentukan penurunan nilai aset The Bank determines the impairment of
keuangan yang tidak signifikan secara financial assets that are not significant
individual dan secara kolektif, dengan individually and collectively, by classifying
mengelompokkan aset keuangan tersebut the financial assets based on similar credit
berdasarkan karakteristik risiko yang risk characteristics.
serupa.
Nilai tercatat aset keuangan yang The carrying values of financial assets that
tidak signifikan secara individual dan are not significant individually and
penurunan nilainya dinilai secara kolektif collectively impaired that has been
yang telah jatuh tempo lebih dari overdue for more than 90 (ninety) days
90 (sembilan puluh) hari pada tanggal as at December 31, 2025 and 2024
31 Desember 2025 dan 2024 masing- are Rp149,510,302,580 and
masing sebesar Rp149.510.302.580 dan Rp60,904,461,753, respectively.
Rp60.904.461.753.
Aset Keuangan yang Lewat Jatuh Tempo Financial Assets That are Past Due But
Tetapi Tidak Mengalami Penurunan Nilai Not Impaired
Termasuk dalam aset keuangan yang Included in the financial assets that have
jatuh tempo dan tidak mengalami past due and not impaired are financial
penurunan nilai adalah aset keuangan assets that are not impaired on an
yang tidak mengalami penurunan nilai individual basis and have been
secara individual dan telah dikelompokkan categorized based on similar credit risk
berdasarkan karakteristik risiko yang characteristics, to assess impairment for
serupa, untuk menilai penurunan nilainya losses collectively that have been
secara kolektif atas kerugian yang telah incurred. As at December 31, 2025 and
terjadi. Pada 31 Desember 2025 dan 2024 2024 are nil, each.
masing-masing sebesar nihil.
d. Agunan d. Collateral
Tidak ada aset keuangan dan non- There are no financial and non-financial
keuangan yang diperoleh Bank melalui assets obtained by the Bank through the
pengambilalihan kepemilikan agunan yang acquisition of ownership of collateral which
merupakan jaminan terhadap aset is insurance against financial assets held.
keuangan yang dimiliki.
104
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
e. Efek-efek untuk tujuan investasi e. Marketable securities for investment
purposes
Informasi tentang kualitas kredit dari Information about the credit quality of the
eksposur maksimum risiko kredit aset maximum exposure to credit risk of
keuangan untuk tujuan investasi adalah financial assets for investment purposes
sebagai berikut: are as follows:
2025 2024
Surat berharga Pemerintah Government securities
Investment grade 5.761.842.061.630 1.082.220.087.084 Investment grade
Surat berharga korporasi Corporate securities
Investment grade 48.424.950.000 -- Investment grade
Nilai wajar 5.810.267.011.630 1.082.220.087.084 Fair value
Risiko Pasar Market Risk
Risiko pasar (market risk) merupakan risiko Market risk is the risk arising from movement in
yang timbul karena adanya pergerakan market variables (adverse movement) of the
variabel pasar (adverse movement) dari portfolio held by the Bank, which adverse the
portofolio yang dimiliki oleh Bank, yang Bank.
merugikan Bank.
a. Risiko tingkat suku bunga a. Interest rate risk
Komponen utama kewajiban Bank yang The main components of the Bank's
sensitif terhadap pergerakan tingkat suku liabilities which are sensitive to
bunga adalah simpanan nasabah, movements in interest rates are deposit
sedangkan aset Bank yang sensitif adalah from customers, while the Bank’s sensitive
obligasi pemerintah, efek-efek untuk assets are government bonds, securities
tujuan investasi, dan kredit yang diberikan. for investment purposes, and loans.
ALCO secara berkala memantau ALCO regularly monitors the market
perkembangan pasar dan menyesuaikan developments and adjusts the interest
tingkat suku bunga simpanan dan kredit rates on provided deposits and loans.
yang diberikan.
Bank melakukan pengukuran IRRBB The Bank performs IRRBB (Interest Rate
(Interest Rate Risk in the Banking Book) Risk in the Banking Book) measurements
untuk mengetahui dampak perubahan to determine the impact of changes in
suku bunga terhadap EVE (Economic interest rate on EVE (Economic Value of
Value of Equity) dan NII (Net Interest Equity) and NII (Net Interest Income) by
Income) dengan menghitung gap antara calculating the gap between RSA (Rate
RSA (Rate Sensitive Asset) dan RSL Sensitive Assets) and RSL (Rate Sensitive
(Rate Sensitive Liabilities). Liabilities).
Banking book adalah semua aset Banking book is that all financial
keuangan/posisi lainnya yang tidak assets/other positions that are not
termasuk dalam trading book. Untuk included in trading book. For the
pengukuran risiko suku bunga pada measurement of interest rate risk in the
trading book, Bank menggunakan metode trading book, the Bank uses the standard
standar Bank Indonesia untuk perhitungan method for the calculation of Bank
pelaporan KPMM Bank. Indonesia reporting CAR of the Bank.
Bank menentukan tingkat suku bunga The Bank determines interest rates on
simpanan nasabah berdasarkan kondisi deposits from customers based on market
pasar dan persaingan dengan memantau conditions and competition by monitoring
pergerakan tingkat suku bunga acuan dan the movement of the reference rate and
suku bunga yang ditawarkan oleh bank interest rates offered by competing banks.
105
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
pesaing. Tingkat suku bunga simpanan Interest rates on deposits generally vary
pada umumnya bervariasi tergantung depending on the duration and amount of
pada jangka waktu dan besarnya savings. The interest rates on current and
simpanan. Tingkat suku bunga giro dan savings accounts are floating and
tabungan bersifat mengambang dan reviewed periodically in accordance with
ditinjau secara berkala sesuai dengan market conditions, while the time deposit
kondisi pasar, sedangkan tingkat suku interest rate is fixed, according to the time
bunga deposito berjangka bersifat tetap, period. Credit interest rate is determined
sesuai dengan jangka waktunya. Tingkat by adding a certain margin above the
suku bunga kredit ditetapkan dengan Bank's funding costs (including the
menambahkan marjin tertentu atas biaya financing costs GWM).
pendanaan Bank (termasuk biaya
pendanaan GWM).
Risiko tingkat suku bunga arus kas adalah Interest rate risk of cash flow is the risk
risiko dimana arus kas masa depan dari that the future cash flows of a financial
suatu instrumen keuangan berfluktuasi instrument fluctuate because of changes
karena perubahan suku bunga pasar. in market interest rates. Fair value interest
Risiko nilai wajar suku bunga adalah risiko rate risk is the risk that the fair value of a
dimana nilai wajar dari suatu instrumen financial instrument fluctuated because of
keuangan berfluktuasi karena perubahan changes in market interest rates. The
suku bunga pasar. Bank memiliki Bank has exposure to fluctuations in
eksposur terhadap fluktuasi tingkat suku market interest rates, either over fair value
bunga pasar yang berlaku, baik atas risiko or cash flow risk.
nilai wajar maupun arus kas.
Tabel berikut merangkum aset dan The following table summarizes the Bank's
liabilitas keuangan Bank (tidak untuk assets and financial liabilities (that are not
tujuan diperdagangkan) pada nilai tercatat, for trading purposes) in carrying amount,
yang dikelompokkan menurut mana yang classified according to which is the earlier
lebih awal antara tanggal repricing atau of the date of repricing or contractual
tanggal jatuh tempo kontraktual. maturity date.
2025
Suku Bunga Mengambang/
Floating Interest Rate Suku Bunga Tetap/Fixed Interest Rate
Tidak dikenakan bunga/
> 3 bulan -
1 tahun/ Non-interest bearing
< 3 bulan/ > 3 bulan/ < 3 bulan/ > 3 month - > 1 tahun/
< 3 months > 3 months < 3 months 1 year > 1 year
ASET KEUANGAN FINANCIAL ASSETS
Current account with
Giro pada Bank Indonesia -- -- -- -- -- 471.749.063.588 Bank Indonesia
Current account with
Giro pada bank lain 161.807.809.247 -- -- -- -- -- other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain -- -- 450.000.000.000 -- -- -- and other banks
Efek-efek -- -- 1.725.572.234.540 -- 5.017.396.961.630 -- Marketable securities
Kredit yang diberikan 938.336.841.746 6.045.571.564.107 953.287.380.432 1.203.535.174.739 -- -- Loans
Jumlah aset keuangan 1.100.144.650.993 6.045.571.564.107 3.128.859.614.972 1.203.535.174.739 5.017.396.961.630 471.749.063.588 Total financial assets
LIABILITAS KEUANGAN FINANCIAL LIABILITIES
Simpanan nasabah 1.478.846.370.231 -- 7.703.338.490.892 331.905.203.452 4.899.045.552 -- Deposits from customers
Simpanan dari bank lain 46.886.818 -- 300.000.000.000 -- -- -- Deposits from other banks
Jumlah liabilitas keuangan 1.478.893.257.049 -- 8.003.338.490.892 331.905.203.452 4.899.045.552 -- Total financial liabilities
Gap repricing suku bunga (378.748.606.056) 6.045.571.564.107 (4.874.478.875.920) 871.629.971.287 5.012.497.916.078 471.749.063.588 Interest rate repricing gap
106
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2024
Suku Bunga Mengambang/
Floating Interest Rate Suku Bunga Tetap/Fixed Interest Rate
Tidak dikenakan bunga/
> 3 bulan -
Non-interest bearing
1 tahun/
< 3 bulan/ > 3 bulan/ < 3 bulan/ > 3 month - > 1 tahun/
< 3 months > 3 months < 3 months 1 year > 1 year
ASET KEUANGAN FINANCIAL ASSETS
Current account with
Giro pada Bank Indonesia 234.891.975.965 -- -- -- -- -- Bank Indonesia
Current account with
Giro pada bank lain 55.886.046.531 -- -- -- -- -- other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain -- -- 2.649.927.104.595 -- -- -- and other banks
Efek-efek -- -- -- -- 2.847.269.591.360 -- Marketable securities
Kredit yang diberikan 340.891.668.107 5.890.747.808.889 104.679.923.418 347.999.942.189 793.715.189.511 -- Loans
Jumlah aset keuangan 631.669.690.603 5.890.747.808.889 2.754.607.028.013 347.999.942.189 3.640.984.780.871 -- Total financial assets
LIABILITAS KEUANGAN FINANCIAL LIABILITIES
Simpanan nasabah 778.608.031.516 -- 5.162.265.229.939 151.564.533.040 2.680.242.538 -- Deposits from customers
Simpanan dari bank lain 5.224.465.439 -- 52 -- -- -- Deposits from other banks
Jumlah liabilitas keuangan 783.832.496.955 -- 5.162.265.229.991 151.564.533.040 2.680.242.538 -- Total financial liabilities
Gap repricing suku bunga (152.162.806.352) 5.890.747.808.889 (2.407.658.201.978) 196.435.409.149 3.638.304.538.333 -- Interest rate repricing gap
b. Analisis sensitivitas b. Sensitivity analysis
Berdasarkan laporan repricing gap, Bank Based on repricing gap report, the Bank
melakukan analisis sensitivitas terhadap conducts a sensitivity analysis to each
setiap perubahan (naik atau turun) suku interest rate change (increase or
bunga secara paralel sebesar 4% (empat decrease) in parallel of 4% (four percent),
persen), dengan asumsi: with the following assumptions:
• Perubahan suku bunga komponen • The changes in interest rates on asset
aset sama besar dengan perubahan components equal to the liability
suku bunga komponen liabilitas; dan component changes in interest rates;
and
• Perubahan yang sama besar untuk • The simillar changes for each length of
setiap jangka waktu pada yield curve time on the yield curve (parallel yield
(parallel yield curve movement). curve movement).
Analisis sensitivitas ini dilakukan secara This sensitivity analysis was carried out on
berkala setiap bulan untuk kepentingan a regular basis every month for the benefit
ALCO. Tabel berikut menunjukkan of ALCO. The following table shows the
sensitivitas atas kemungkinan perubahan sensitivity to the possibility of changes in
tingkat suku bunga pasar, dengan variabel market interest rates, with other variables
lain dianggap tetap, terhadap pendapatan held constant, to the net interest income:
bunga neto:
2025 2024
Penurunan pendapatan bunga neto Decrease on net interest income
karena kenaikan suku bunga 4% due to parallel increase 4%
secara paralel (52.977.174.215) (17.607.385.638) of interest rate
Kenaikan pendapatan bunga neto Increase on net interest income
karena penurunan suku bunga 4% due to parallel decrease 4%
secara paralel 52.977.174.215 17.607.385.638 of interest rate
Bank melakukan pengukuran risiko suku The Bank measures interest rate risk by
bunga dengan menggunakan metodologi using method that can identify interest rate
yang dapat mengidentifikasi risiko suku risk from portfolio of asset and liabilities
bunga dari portofolio aset dan liabilitas that sensitive to the change of interest
yang sensitif terhadap perubahan suku rate.
bunga.
107
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pemantauan atas eksposur Bank terhadap Monitoring of the Bank’s exposure to
risiko pasar dilakukan oleh Asset and market risk is performed by Asset and
Liability Committee (ALCO) dengan Liability Committee (ALCO) by controlling
melakukan pengendalian (Asset and (Asset and Liability Management (ALMA)
Liability Management (ALMA) atas the market risk exposure in a parameter
eksposur risiko pasar dalam parameter that can be accepted as well as
yang dapat diterima serta memaksimalkan maximizing rate of return of the risk.
tingkat pengembalian atas risiko.
Untuk tahun yang berakhir 31 Desember For the year’s ended December 31, 2025
2025 dan 2024 profil risiko pasar Bank and 2024 rating of the Bank’s market risk
berada pada peringkat 2 (dua). profile is 2 (two).
c. Excess modal Bank c. The Bank’s excess capital
Perhitungan excess modal Bank dilakukan The calculation of the Bank’s excess
dengan menghitung modal bank secara capital is conducted by calculating the
total dan menguranginya dengan 9,90% Bank’s total capital and reduce with 9,90%
dari total ATMR (Kredit + Pasar + of the total risk weighted assets (RWA)
Operasional). Excess modal ini yang (Credit + Market + Operational). This
kemudian dibagi terhadap masing-masing excess capital is then divided by the
risiko pasar nilai tukar dan suku bunga respective market exchange risk
untuk melihat berapa besar kemampuan and interest rate risk to measure
coverage modal Bank (diluar regulatory the Bank’s capital-coverage-ability
requirement) apabila terjadi kerugian (exclude regulatory requirement) in the
sebesar risiko yang telah dihitung. event of loss of the amount to the risk that
has been calculated
Tabel dibawah ini menunjukkan excess The table below shows the Bank's excess
modal Bank (tidak diaudit) capital (unaudited).
Jumlah Modal/ 9,90%*Total ATMR / Excess Modal/
Total Capital 9,90%*Total RWA Excess Capital
2025 - Desember 7,479,453,000,000 1,011,210,513,000 6,468,242,487,000 2025 - December
2024 - Desember 7,188,188,000,000 861,768,542,250 6,326,419,457,750 2024 - December
Risiko Likuiditas Liquidity Risk
Risiko likuiditas muncul sebagai akibat dari Liquidity risk arises as a result of the structural
mismatch struktur aset dan liabilitas Bank. mismatch of assets and liabilities of the Bank.
Bank mengelola risiko likuiditas untuk The Bank manages liquidity risk to ensure the
memastikan kemampuan dalam memenuhi ability to meet obligations to customers or
liabilitas kepada nasabah atau pihak lawan counterparty when due by keeping and
yang jatuh tempo dengan menjaga dan maintaining the amount of liquid assets
mempertahankan jumlah aset likuid yang sufficient to pay the deposits from customers, to
cukup untuk membayar simpanan para provide funds for lending, to supply of liquidity
nasabah, penyediaan dana dalam rangka for operations, and to keep the amount of
pemberian kredit, pemenuhan kebutuhan assets that matured in each period can cover
likuiditas operasional, dan menjaga agar the amount of matured liabilities.
jumlah aset yang jatuh tempo pada setiap
periode dapat menutupi jumlah liabilitas yang
jatuh tempo.
Pengelolaan likuiditas Bank dilakukan dengan The Bank's liquidity management is conducted
mengalokasikan penempatan dana pada by allocating the placement of funds in the
Cadangan Utama (Primary Reserve), Primary Reserve, Secondary Reserve, and
Cadangan Sekunder (Secondary Reserve), Tertiary Reserve in accordance with the
dan Cadangan Tertier (Tertiary Reserve) specified criteria and limits. The function of the
sesuai dengan kriteria dan limit yang overall management of liquidity is conducted by
108
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
ditetapkan. Fungsi pengelolaan kebutuhan ALCO and operationally by the Treasury
likuiditas secara keseluruhan dilakukan oleh Division.
ALCO dan secara operasional oleh Divisi
Treasuri.
Bank melakukan pengukuran risiko likuiditas The Bank measures liquidity risk using
dengan menggunakan perkiraan arus kas, estimated cash flows, maturity profile, and
maturity profile, dan rasio likuiditas. liquidity risk.
Dalam pengukuran tersebut juga dilakukan The measurements also perform stress testing
stress testing untuk rangka mengetahui tingkat in order to determine the level of Bank's ability
kemampuan Bank dalam menghadapi tekanan in facing liquidity pressures in unusual market
likuiditas pada kondisi pasar yang tidak conditions.
normal.
Untuk mengantisipasi meningkatnya risiko To anticipate the increasing liquidity risk, the
likuiditas, upaya pengelolaan secondary Bank's secondary reserve management is
reserve Bank dilaksanakan dengan lebih hati- undertaken more carefully in line with the Loan
hati sejalan dengan kondisi Loan to Funding to Funding Ratio (LFR) so that the overall
Ratio (LFR) sehingga kondisi likuiditas secara liquidity conditions can be maintained and
keseluruhan dapat tetap terjaga dan controlled.
terkendali.
Untuk tahun yang berakhir 31 Desember 2025 For the year ended December 31, 2025 and
dan 2024, profil risiko likuiditas Bank berada 2024, rating of the Bank’s liquidity risk profile 2
pada peringkat 2 (dua). (two).
Tabel berikut menyajikan arus kas kontraktual The following table presents the cash flows
yang tidak didiskontokan dari liabilitas from the contractual undiscounted financial
keuangan dan rekening administratif Bank liabilities and the Bank’s administrative
berdasarkan periode tersisa sampai dengan accounts based on the period remaining until
tanggal jatuh tempo kontraktual. the contractual maturity date.
2025
> 3 bulan -
Sampai dengan 1 tahun/
Nilai tercatat/ 1 bulan/ > 1 - 3 bulan/ > 3 months - > 1 - 5 tahun/
Carrying amount Until 1 month > 1 - 3 months 1 year > 1 - 5 years
Liabilitas Keuangan Financial Liabilities
Simpanan nasabah 9.518.989.110.127 8.474.453.072.287 707.731.788.836 331.905.203.452 4.899.045.552 Deposits from customer
Simpanan bank lain 300.046.886.818 300.046.886.818 -- -- -- Deposits from other banks
Efek-efek yang dijual dengan janji Securities sold under
dibeli kembali 754.055.951.480 754.055.951.480 -- -- -- repurchased agreement
Bunga yang masih harus dibayar 39.875.423.504 39.875.423.504 -- -- -- Accrued interests
Liabilitas lain-lain 19.111.644.252 19.111.644.252 -- -- -- Other liabilities
Jumlah 10.632.079.016.181 9.587.542.978.341 707.731.788.836 331.905.203.452 4.899.045.552 Total
Rekening Administratif Administrative Accounts
Fasilitas nasabah yang belum
digunakan 3.361.505.240.280 767.183.258.337 -- 1.244.629.771.237 1.349.692.210.706 Unused facilities
Jumlah 3.361.505.240.280 767.183.258.337 -- 1.244.629.771.237 1.349.692.210.706 Total
109
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2024
> 3 bulan -
Sampai dengan 1 tahun/
Nilai tercatat/ 1 bulan/ > 1 - 3 bulan/ > 3 months - > 1 - 5 tahun/
Carrying amount Until 1 month > 1 - 3 months 1 year > 1 - 5 years
Liabilitas Keuangan Financial Liabilities
Simpanan nasabah 6.095.118.037.033 4.805.199.710.003 1.135.673.551.452 151.564.533.040 2.680.242.538 Deposits from customer
Simpanan bank lain 5.224.465.439 5.224.465.439 -- -- -- Deposits from other banks
Efek-efek yang dijual dengan janji Securities sold under
dibeli kembali 286.521.752.188 286.521.752.188 -- -- -- repurchased agreement
Bunga yang masih harus dibayar 15.674.141.519 15.674.141.519 -- -- -- Accrued interests
Liabilitas lain-lain 37.886.478.380 37.886.478.380 -- -- -- Other liabilities
Jumlah 6.440.424.874.559 5.150.506.547.529 1.135.673.551.452 151.564.533.040 2.680.242.538 Total
Rekening Administratif Administrative Accounts
Fasilitas nasabah yang belum
digunakan 2.337.457.472.020 1.498.387.478.307 -- 152.115.983.932 686.954.009.781 Unused facilities
Jumlah 2.337.457.472.020 1.498.387.478.307 -- 152.115.983.932 686.954.009.781 Total
Tabel analisis likuiditas (sisa jangka waktu Table of liquidity analysis remaining (maturity
jatuh tempo) dari aset dan liabilitas Bank pada time) as at December 31, 2025 and 2024:
tanggal 31 Desember 2025 dan 2024:
2025
Jatuh tempo/Maturity
Sampai
dengan
Saldo/ Lain-lain/ 1 tahun/ 1 - 2 tahun/ 2 - 5 tahun/ > 5 tahun/
Amount Others Until 1 year 1 - 2 years 2 - 5 years > 5 years
ASET KEUANGAN FINANCIAL ASSETS
Kas 2.571.705.700 -- 2.571.705.700 -- -- -- Cash
Current account with
Giro pada Bank Indonesia 471.749.063.588 -- 471.749.063.588 -- -- -- Bank Indonesia
Giro pada bank lain 163.206.189.820 -- 163.206.189.820 -- -- -- Current account with other banks
Penempatan pada Bank Indonesia Placements with Bank
dan bank lain 450.000.000.000 -- 450.000.000.000 -- -- -- Indonesia and other banks
Efek-efek 7.539.264.196.170 -- 1.725.572.234.540 -- 274.807.050.000 5.538.884.911.630 Marketable securities
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 288.657.110.000 -- 288.657.110.000 -- -- -- resell agreement
Kredit yang diberikan 9.140.730.961.024 -- 3.011.310.836.295 66.614.583.336 1.288.228.599.636 4.774.576.941.757 Loans
Pendapatan bunga yang
masih akan diterima 164.263.441.739 164.263.441.739 -- -- -- -- Interest receivables
Aset lain-lain 92.175.691.512 92.175.691.512 -- -- -- -- Other assets
Jumlah aset 18.312.618.359.553 256.439.133.251 6.113.067.139.943 66.614.583.336 1.563.035.649.636 10.313.461.853.387 Total assets
LIABILITAS KEUANGAN FINANCIAL LIABILITIES
Liabilitas segera 237.400.187.955 -- 237.400.187.955 -- -- -- Obligations due Immediately
Giro 540.588.332.347 -- 540.588.332.347 -- -- -- Current accounts
Tabungan 938.258.037.884 -- 938.258.037.884 -- -- -- Saving deposits
Deposito berjangka 8.040.142.739.896 -- 8.035.243.694.344 4.899.045.552 -- -- Time deposits
Simpanan dari bank lain 300.046.886.818 -- 300.046.886.818 -- -- -- Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 754.055.951.480 -- 754.055.951.480 -- -- -- repurchased agreement
Bunga yang masih harus dibayar 39.875.423.504 -- 39.875.423.504 -- -- -- Accrued interests
Liabilitas lain-lain 19.111.644.252 19.111.644.252 -- -- -- -- Other liabilities
Jumlah liabilitas 10.869.479.204.136 19.111.644.252 10.845.468.514.332 4.899.045.552 -- -- Total liabilities
Jumlah aset (liabilitas) Total financial assets
keuangan - neto 7.443.139.155.417 237.327.488.999 (4.732.401.374.389) 61.715.537.784 1.563.035.649.636 10.313.461.853.387 (liabilities) - net
110
Page 683
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2024
Jatuh tempo/Maturity
Sampai
dengan
Saldo/ Lain-lain/ 1 tahun/ 1 - 2 tahun/ 2 - 5 tahun/ > 5 tahun/
Amount Others Until 1 year 1 - 2 years 2 - 5 years > 5 years
ASET KEUANGAN FINANCIAL ASSETS
Kas 1.955.245.700 -- 1.955.245.700 -- -- -- Cash
Current account with
Giro pada Bank Indonesia 234.891.975.965 -- 234.891.975.965 -- -- -- Bank Indonesia
Giro pada bank lain 55.830.160.485 -- 55.830.160.485 -- -- -- Current account with other banks
Penempatan pada Bank Indonesia Placements with Bank
dan bank lain 2.649.927.104.595 -- 2.649.927.104.595 -- -- -- Indonesia and other banks
Efek-efek 2.847.269.591.360 -- 1.764.382.591.360 -- -- 1.082.887.000.000 Marketable securities
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 288.657.110.000 -- 288.657.110.000 -- -- -- repurchased agreement
Kredit yang diberikan 7.478.034.532.114 -- 2.260.841.541.773 937.198.500.487 3.255.823.851.893 1.024.170.637.961 Loans
Pendapatan bunga yang
masih akan diterima 53.347.876.982 53.347.876.982 -- -- -- -- Interest receivables
Aset lain-lain 91.856.012.092 91.856.012.092 -- -- -- -- Other assets
Jumlah aset 13.701.769.609.293 145.203.889.074 7.256.485.729.878 937.198.500.487 3.255.823.851.893 2.107.057.637.961 Total assets
LIABILITAS KEUANGAN FINANCIAL LIABILITIES
Liabilitas segera 199.060.602.051 -- 199.060.602.051 -- -- -- Obligations due Immediately
Giro 85.335.979.606 -- 85.335.979.606 -- -- -- Current accounts
Tabungan 693.272.051.910 -- 693.272.051.910 -- -- -- Saving deposits
Deposito berjangka 5.316.510.005.517 -- 5.313.829.762.979 2.680.242.538 -- -- Time deposits
Simpanan dari bank lain 5.224.465.439 -- 5.224.465.439 -- -- -- Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 286.521.752.188 -- 286.521.752.188 -- -- -- repurchased agreement
Bunga yang masih harus dibayar 15.674.141.519 -- 15.674.141.519 -- -- -- Accrued interests
Liabilitas lain-lain 37.886.478.380 37.886.478.380 -- -- -- -- Other liabilities
Jumlah liabilitas 6.639.485.476.610 37.886.478.380 6.598.918.755.692 2.680.242.538 -- -- Total liabilities
Jumlah aset (liabilitas) Total financial assets
keuangan - neto 7.062.284.132.683 107.317.410.694 657.566.974.186 934.518.257.949 3.255.823.851.893 2.107.057.637.961 (liabilities) - net
Risiko Operasional Operational Risk
Risiko operasional adalah risiko yang Operational risk is the risk which is caused by
disebabkan adanya ketidakcukupan dan/atau insufficiency and/or disfunction of internal
tidak berfungsinya proses internal (kebijakan, process (policy, system and procedure), system
sistem dan prosedur), kesalahan sistem, error, human error, or external problem, which
kesalahan manusia, atau adanya problem influences the Bank’s operation. To minimize
eksternal yang mempengaruhi operasional operational risks in each functional activity, the
Bank. Untuk meminimalisasi risiko operasional Bank formulates policies and procedures and
pada setiap aktivitas fungsional, maka Bank limits that are designated for intensive
menyusun kebijakan dan prosedur serta monitoring of operational losses risk in all
penetapan limit yang ditujukan untuk aspects of the Bank’s operations.
memantau secara intensif kerugian risiko
operasional pada seluruh aspek operasional
Bank.
Untuk tahun yang berakhir 31 Desember 2025 For the year ended December 31, 2025 and
dan 2024, profil risiko operasional Bank 2024, rating of the Bank’s operational risk
masing-masing berada pada peringkat 2 (dua). profile is 2 (two), respectively.
Penerapan Risk and Control Self Assessment Risk and Control Self Assessment (RCSA)
(RCSA) pada seluruh satuan kerja di Bank implementation on all working unit in the Bank
ditujukan untuk membantu satuan kerja is intended to help the working unit as a first
sebagai langkah pertahanan awal (first line of line of defense in identifying and measuring
defense) dalam mengidentifikasi dan operational risk independently on functional
mengukur secara independent risiko activities, monitoring and determining
operasional pada aktivitas fungsionalnya, improvement steps or future action.
melakukan pemantauan dan penetuan
langkah-langkah perbaikan atau rencana
tindak lanjut kedepan.
111
Page 684
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Satuan Kerja Manajemen Risiko (SKMR) Risk Management Unit (SKMR) as second line
sebagai second line of defense bertanggung of defense responsible on improving and
jawab dalam melakukan pengembangan dan implementing policies/procedures, supervision,
pengimplementasian kebijakan/prosedur, assessment, and monitoring risk management
pengawasan, pengkajian, dan melakukan process as guidance in implementation risk
pemantauan proses manajemen risiko sebagai management and support operational units in
pedoman dalam penerapan manajemen risiko improving the consideration and compliance to
dengan mendukung satuan kerja operasional management risk principle. It is also conducted
dalam mengembangkan kepedulian dan by utilizing the assessment result of the Internal
kepatuhan terhadap prinsip-prinsip Audit unit (SKAI) on the process
manajemen risiko. Hal itu dilakukan pula implementation consistency and the adequacy
dengan memanfaatkan hasil penilaian of internal control on risk implementation.
terhadap konsistensi pelaksanaan proses dan
kecukupan pengendalian internal dalam
penerapan risiko yang dilakukan oleh Satuan
Kerja Audit Internal (SKAI).
Risiko Lainnya Other Risks
1. Risiko kepatuhan merupakan risiko yang 1. Compliance risk is a risk that arises
disebabkan akibat Bank tidak mematuhi because the Bank does not comply with
ketentuan perundang-undangan yang legislation implementation. The Bank
berlaku. Bank mengelola risiko kepatuhan manages compliance risk by performing a
dengan melakukan penelaahan secara comprehensive review to ensure
komprehensif untuk memastikan comformity with standard operating policy
kesesuaian kebijakan standar operasi dan and procedure and development of new
prosedur serta pengembangan produk product with external regulation.
baru dengan peraturan eksternal. Satuan Compliance unit has implemented
kerja kepatuhan telah melaksanakan assessment, in order to prevent
pengkajian dalam rangka mencegah irregularities to the applicable legislation
penyimpangan terhadap peraturan and the other regulation, including:
perundangan-undangan dan ketentuan
lain yang berlaku meliputi tindakan:
• Mewujudkan terlaksananya budaya • Realizing the implementation of
kepatuhan pada semua tingkatan compliance culture in all organization
organisasi dan kegiatan usaha Bank; and business level in the Bank;
• Mengelola risiko kepatuhan yang • Managing compliance risks that faced
dihadapi oleh Bank, tindakan by the Bank, compliance risk
mengelola risiko kepatuhan management actions implemented by
dilaksanakan dengan mengacu pada referring to Bank Indonesia’s regulation
ketentuan Bank Indonesia mengenai regarding risk management for
manajemen risiko bagi bank umum; commercial banks;
• Memastikan kepatuhan Bank terhadap • Ensuring the Bank's compliance with
komitmen yang dibuat oleh Bank the commitments made by the Bank to
kepada Otoritas Jasa Keuangan (OJK) the Financial Services Authority (OJK)
dan atau otoritas pengawas lain yang and/or other supervisory authority.
berwenang.
Untuk tahun-tahun yang berakhir For the years ended December 31, 2025
31 Desember 2025 dan 2024, profil risiko and 2024, rating of the Bank’s compliance
kepatuhan Bank berada pada peringkat risk profile are 2 (two).
2 (dua).
112
Page 685
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2. Risiko hukum adalah risiko yang 2. Legal risk is a risk which is caused by the
disebabkan oleh adanya kelemahan aspek weakness of juridical aspect, such as
yuridis, yang antara lain berupa tuntutan lawsuits, lack of supporting legislation or
hukum, ketiadaan peraturan perundang- the weakness in engagement as
undangan yang mendukung atau unfulfillment of legitimate contract terms
kelemahan perikatan seperti tidak and imperfect binding collateral.
terpenuhinya syarat sah kontrak dan
pengikatan agunan yang tidak sempurna.
Bank mengelola risiko hukum dengan The Bank manages legal risk by ensuring
memastikan seluruh aktivitas dan all activities and relationship of business
hubungan kegiatan usaha Bank dengan activities of the Bank with third parties
pihak ketiga didasarkan pada aturan dan based on the regulation and requirements
persyaratan yang dapat melindungi that can protect the Bank in terms of the
kepentingan Bank dari segi hukum melalui: law through:
• Peninjauan secara berkala dengan • Periodic reviews to ensure that all
memastikan seluruh aktivitas dan activities and relationship of business
hubungan kegiatan usaha Bank activities of the Bank with third parties
dengan pihak ketiga didasarkan pada based on the rules and requirements
aturan dan persyaratan yang dapat that can protect the interests of the
melindungi kepentingan Bank dari segi Bank in terms of the law;
hukum;
• Pengembangan budaya kepatuhan • Development of compliance culture
dan kepedulian terhadap risiko hukum and awareness to legal risks to all
kepada seluruh pegawai pada setiap employees at every level of the
jenjang organisasi secara organization sustainably.
berkelanjutan.
Untuk tahun-tahun yang berakhir For the years ended December 31, 2025
31 Desember 2025 dan 2024, profil hukum and 2024, rating of the Bank’s legal risk
Bank berada pada peringkat 2 (dua). profile is 2 (two).
3. Risiko reputasi adalah risiko yang antara 3. Reputation risk is a risk that caused by
lain disebabkan oleh adanya publikasi negative publicity related to the business
negatif yang terkait dengan kegiatan activities of the Bank or negative
usaha Bank atau persepsi negatif terhadap perceptions to the Bank. Reputation risk
Bank. Identifikasi risiko reputasi dilakukan identification performed on the factor of
pada faktor-faktor risiko yang melekat inherent risk in the functional activities that
pada aktivitas fungsional yang mencakup include transparency (disclosure
keterbukaan (disclosure requirement), requirement), customer complaints to the
keluhan nasabah terhadap pelayanan Bank’s services, behavior of the Bank's
Bank, perilaku karyawan Bank dalam employees in serving customers and
melayani nasabah dan sistem komunikasi communication systems of the Bank and
Bank serta seluruh aktivitas perbankan. the whole banking system.
Untuk tahun-tahun yang berakhir For the years ended December 31, 2025
31 Desember 2025 dan 2024, profil risiko and 2024, rating of the Bank’s reputation
reputasi Bank berada pada peringkat 2 risk profile is 2 (two).
(dua).
113
Page 686
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
4. Risiko strategis adalah risiko antara lain 4. Strategic risk is the risk caused by the
disebabkan adanya penetapan dan establishment and implementation from
pelaksanaan strategi Bank yang tidak inaccurate Bank's strategy, business plan
tepat, pengambilan keputusan rencana decision-making that is not fixed or lack of
bisnis yang tidak tetap atau kurang the Bank’s responsiveness to external
responsifnya Bank terhadap perubahan changes. Management of strategic risk
eksternal. Pengelolaan risiko strategis through the consideration and decision-
melalui proses pertimbangan dan making process of each policy collectively
pengambilan keputusan setiap kebijakan and comprehensively by the Board of
secara kolektif dan komprehensif oleh Directors and Committees that have been
Direksi dan Komite-komite yang telah set up and monitoring the realization of
dibentuk serta memantau realisasi strategic plan by comparing the target to be
rencana strategis dengan membandingkan achieved and ensure that the risk that
target yang akan dicapai dan memastikan retrieved is still within tolerance limit.
bahwa risiko yang akan diambil masih
dalam batas toleransi.
Untuk tahun-tahun yang berakhir For the years ended December 31, 2025
31 Desember 2025 dan 2024, profil risiko and 2024, rating of the Bank’s strategic
strategis Bank berada pada peringkat risk profile is 2 (two).
2 (dua).
42. Aset Dan Liabilitas Keuangan 42. Financial Assets And Liabilities
2025
Aset keuangan
pada nilai wajar
melalui
penghasilan
Aset keuangan komprehensif
pada nilai wajar Aset keuangan lain/ Liabilitas
melalui pada biaya Financial keuangan
laba atau rugi/ perolehan assets diamortisasi/ Jumlah nilai
Financial assets diamortisasi/ at fair value Financial tercatat/ Jumlah nilai
at fair value Financial through other liabilities Total wajar/
through assets comprehensive at amortized carrying Total fair
profit or loss at amortized cost income cost amount value
Aset Assets
Kas -- 2.571.705.700 -- -- 2.571.705.700 2.571.705.700 Cash
Current account with
Giro pada Bank Indonesia -- 471.749.063.588 -- -- 471.749.063.588 471.749.063.588 Bank Indonesia
Current account with
Giro pada bank lain -- 163.369.559.380 -- -- 163.369.559.380 163.369.559.380 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan Bank lain -- 450.000.000.000 -- -- 450.000.000.000 450.000.000.000 and other banks
Efek-efek: Marketable securities:
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain -- -- 7.539.264.196.170 -- 7.539.264.196.170 7.539.264.196.170 comprehensive income
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali -- 288.948.983.326 -- -- 288.948.983.326 288.948.983.326 agreement to resell
Kredit yang diberikan -- 9.140.730.961.024 -- -- 9.140.730.961.024 9.140.730.961.024 Loans
Pendapatan bunga yang
masih akan diterima -- 164.263.441.739 -- -- 164.263.441.739 164.263.441.739 Interest receivables
Aset lain-lain -- 92.175.691.512 -- -- 92.175.691.512 92.175.691.512 Other assets
Jumlah aset keuangan -- 10.773.809.406.269 7.539.264.196.170 -- 18.313.073.602.439 18.313.073.602.439 Total financial assets
Liabilitas Liabilities
Liabilitas segera -- -- -- 237.400.187.955 237.400.187.955 237.400.187.955 Obligations due immediately
Simpanan nasabah: Deposits from customers:
Giro -- -- -- 540.588.332.347 540.588.332.347 540.588.332.347 Current accounts
Tabungan -- -- -- 938.261.835.828 938.261.835.828 938.261.835.828 Savings deposits
Deposito -- -- -- 8.040.142.739.896 8.040.142.739.896 8.040.142.739.896 Time deposits
Simpanan dari bank lain -- -- -- 300.046.886.818 300.046.886.818 300.046.886.818 Deposits from other bank
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali -- -- 754.055.951.480 -- 754.055.951.480 754.055.951.480 repurchased agreement
Bunga yang masih harus
dibayar -- -- -- 39.875.423.504 39.875.423.504 39.875.423.504 Accrued interests
Liabilitas lain-lain -- -- -- 19.111.644.252 19.111.644.252 19.111.644.252 Other liabilities
Jumlah liabilitas keuangan -- -- 754.055.951.480 10.115.427.050.600 10.869.483.002.080 10.869.483.002.080 Total financial liabilities
114
Page 687
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2024
Aset keuangan
pada nilai wajar
melalui
penghasilan
Aset keuangan komprehensif
pada nilai wajar Aset keuangan lain/ Liabilitas
melalui pada biaya Financial keuangan
laba atau rugi/ perolehan assets diamortisasi/ Jumlah nilai
Financial assets diamortisasi/ at fair value Financial tercatat/ Jumlah nilai
at fair value Financial through other liabilities Total wajar/
through assets comprehensive at amortized carrying Total fair
profit or loss at amortized cost income cost amount value
Aset Assets
Kas -- 1.955.245.700 -- -- 1.955.245.700 1.955.245.700 Cash
Current account with
Giro pada Bank Indonesia -- 234.891.975.965 -- -- 234.891.975.965 234.891.975.965 Bank Indonesia
Current account with
Giro pada bank lain -- 55.886.046.531 -- -- 55.886.046.531 55.886.046.531 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan Bank lain -- 2.649.927.104.595 -- -- 2.649.927.104.595 2.649.927.104.595 and other banks
Efek-efek: Marketable securities:
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain -- -- 2.847.269.591.360 -- 2.847.269.591.360 2.847.269.591.360 comprehensive income
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali -- 288.657.110.000 -- -- 288.657.110.000 288.657.110.000 agreement to resell
Kredit yang diberikan -- 7.478.034.532.114 -- -- 7.478.034.532.114 7.478.034.532.114 Loans
Pendapatan bunga yang
masih akan diterima -- 53.347.876.982 -- -- 53.347.876.982 53.347.876.982 Interest receivables
Aset lain-lain -- 91.856.012.092 -- -- 91.856.012.092 91.856.012.092 Other assets
Jumlah aset keuangan -- 10.854.555.903.979 2.847.269.591.360 -- 13.701.825.495.339 13.701.825.495.339 Total financial assets
Liabilitas Liabilities
Liabilitas segera -- -- -- 199.060.602.051 199.060.602.051 199.060.602.051 Obligations due immediately
Simpanan nasabah: Deposits from customers:
Giro -- -- -- 85.335.979.606 85.335.979.606 85.335.979.606 Current accounts
Tabungan -- -- -- 693.272.051.910 693.272.051.910 693.272.051.910 Savings deposits
Deposito -- -- -- 5.316.510.005.517 5.316.510.005.517 5.316.510.005.517 Time deposits
Simpanan dari bank lain -- -- -- 5.224.465.439 5.224.465.439 5.224.465.439 Deposits from other bank
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali -- -- 286.521.752.188 -- 286.521.752.188 286.521.752.188 repurchased agreement
Bunga yang masih harus
dibayar -- -- -- 15.674.141.519 15.674.141.519 15.674.141.519 Accrued interests
Liabilitas lain-lain -- -- -- 37.886.478.380 37.886.478.380 37.886.478.380 Other liabilities
Jumlah liabilitas keuangan -- -- 286.521.752.188 6.352.963.724.422 6.639.485.476.610 6.639.485.476.610 Total financial liabilities
Nilai wajar aset keuangan dan liabilitas The fair values of the above financial assets
keuangan di atas diukur dengan dasar sebagai and liabilities are determined based on the
berikut: following:
Aset keuangan Financial assets
Nilai wajar aset keuangan lancar (umumnya The fair values of financial assets that are
kurang dari satu tahun) seperti giro pada Bank short-term in nature (generally less than one
Indonesia dan bank lain, penempatan pada year) such as current accounts with Bank
Bank Indonesia dan bank lain, pendapatan Indonesia and other banks, placements with
bunga yang masih akan diterima dan aset lain- Bank Indonesia and other banks, interest
lain adalah sebesar nilai tercatat karena nilai receivables and other assets represent their
tercatat tersebut telah mendekati estimasi nilai carrying amounts as these approximates their
wajarnya. estimated fair values.
Estimasi nilai wajar kredit yang diberikan The estimated fair value of loans (normally
(umumnya kredit dengan bunga mengambang) floating interest bearing loans) represents the
merupakan nilai kini dari estimasi arus kas present value amount of estimated future cash
masa depan yang diharapkan akan diterima flows expected to be received discounted at
yang didiskontokan pada suku bunga pasar. current market rates.
Nilai wajar untuk surat berharga hingga jatuh The fair values of marketable securities are
tempo ditetapkan berdasarkan harga pasar based on the market prices or broker/dealer
atau harga kuotasi perantara (broker)/ price quotations. When this information is not
pedagang efek (dealer). Jika informasi ini tidak available, the fair value is estimated using
tersedia, nilai wajar diestimasi dengan quoted market prices for securities with similar
menggunakan harga pasar kuotasi efek yang credit, maturity and yield characteristics.
memiliki karakteristik kredit, jatuh tempo dan
yield yang serupa.
Liabilitas keuangan Financial liabilities
Nilai wajar liabilitas keuangan lancar (biasanya The fair values of financial liabilities that are
kurang dari satu tahun) seperti efek-efek yang short-term in nature (generally less than one
dijual dengan janji dibeli kembali, simpanan year) such as securities sold under
nasabah dan bank lain, bunga yang masih repurchased agreement, deposits from
115
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
harus dibayar dan liabilitas lain-lain adalah customers and other banks, accrued interests
sebesar nilai tercatat karena nilai tercatat and other liabilities represent their carrying
tersebut telah mendekati estimasi nilai amounts as these approximates their estimated
wajarnya. fair values.
Estimasi nilai wajar simpanan tanpa jatuh The estimated fair value of deposits with no
tempo adalah sebesar jumlah terutang ketika stated maturity is equal to the amount owed
utang tersebut harus segera dibayar pada saat when the debt must be paid at the time billed.
ditagih.
Hierarki nilai wajar Fair value hierarchy
PSAK 113, Pengukuran nilai wajar PSAK 113, Fair Value Measurements requires
mensyaratkan pengungkapan atas disclosure of fair value measurements by level
pengukuran nilai wajar dengan tingkat hierarki with the following fair value measurement
nilai wajar sebagai berikut: hierarchy:
• Harga kuotasian (tidak disesuaikan) dalam • Quoted prices (unadjusted) in active
pasar aktif untuk aset atau liabilitas yang markets for identical assets or liabilities
identik (tingkat 1); (level 1);
• Input selain harga kuotasian yang • Inputs other than quoted prices included
termasuk dalam tingkat 1 yang dapat within level 1 that are observable for the
diobservasi untuk aset atau liabilitas, baik asset or liability, either directly (as prices)
secara langsung (misalnya harga) atau or indirectly (as derived from prices)
secara tidak langsung (misalnya derivasi (level 2); and
dari harga) (tingkat 2); dan
• Input untuk aset atau liabilitas yang bukan • Inputs for the asset or liability that are not
berdasarkan data pasar yang dapat based on observable market data
diobservasi (input yang tidak dapat (unobservable inputs) (level 3).
diobservasi) (tingkat 3).
Tabel di bawah ini menyajikan instrumen The tables below set out the fair value of
keuangan yang diakui pada nilai wajar yang financial instruments grouped according to the
dikelompokkan berdasarkan hierarki nilai fair value hierarcy.
wajar.
2025
Jumlah tercatat/
Total carrying Level 1/ Level 2/ Jumlah/
amount Level 1 Level 2 Total
Aset Assets
Kas 2.571.705.700 -- 2.571.705.700 2.571.705.700 Cash
Giro pada Current accounts with
Bank Indonesia 471.749.063.588 -- 471.749.063.588 471.749.063.588 Bank Indonesia
Current accounts with
Giro pada bank lain 163.369.559.380 -- 163.369.559.380 163.369.559.380 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 450.000.000.000 -- 450.000.000.000 450.000.000.000 and other banks
Efek-efek: Marketable securities:
Nilai wajar Amortized cost
melalui penghasilan Fair value through other
komprehensif lain 7.539.264.196.170 7.539.264.196.170 -- 7.539.264.196.170 comprehensive income
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali 288.948.983.326 288.948.983.326 -- 288.948.983.326 under agreement to resell
Kredit yang diberikan 9.140.730.961.024 -- 9.140.730.961.024 9.140.730.961.024 Loans
Pendapatan bunga yang
masih akan diterima 164.263.441.739 -- 164.263.441.739 164.263.441.739 Interest receivables
Aset lain-lain 92.175.691.512 -- 92.175.691.512 92.175.691.512 Other assets
Jumlah aset keuangan 18.313.073.602.439 7.828.213.179.496 10.484.860.422.943 18.313.073.602.439 Total financial assets
Liabilitas Liabilities
Liabilitas segera -- -- -- -- Obligations due immediately
Simpanan nasabah 8.641.361.198.368 -- 8.641.361.198.368 8.641.361.198.368 Deposits from customers
Simpanan dari bank lain -- -- -- -- Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 163.286.692.268 -- 163.286.692.268 163.286.692.268 repurchased agreement
Bunga yang masih harus
dibayar 39.875.423.504 -- 39.875.423.504 39.875.423.504 Accrued interests
Liabilitas lain-lain 19.111.644.252 -- 19.111.644.252 19.111.644.252 Other liabilities
Jumlah liabilitas
keuangan 8.863.634.958.392 -- 8.863.634.958.392 8.863.634.958.392 Total financial liabilities
116
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2024
Jumlah tercatat/
Total carrying Level 1/ Level 2/ Jumlah/
amount Level 1 Level 2 Total
Aset Assets
Kas 1.955.245.700 -- 1.955.245.700 1.955.245.700 Cash
Giro pada Current accounts with
Bank Indonesia 234.891.975.965 -- 234.891.975.965 234.891.975.965 Bank Indonesia
Current accounts with
Giro pada bank lain 55.886.046.531 -- 55.886.046.531 55.886.046.531 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 2.649.927.104.595 -- 2.649.927.104.595 2.649.927.104.595 and other banks
Efek-efek: Marketable securities:
Nilai wajar Amortized cost
melalui penghasilan Fair value through other
komprehensif lain 2.847.269.591.360 2.847.269.591.360 -- 2.847.269.591.360 comprehensive income
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali 288.657.110.000 288.657.110.000 -- 288.657.110.000 under agreement to resell
Kredit yang diberikan 7.478.034.532.114 -- 7.478.034.532.114 7.478.034.532.114 Loans
Pendapatan bunga yang
masih akan diterima 53.347.876.982 -- 53.347.876.982 53.347.876.982 Interest receivables
Aset lain-lain 91.856.012.092 -- 91.856.012.092 91.856.012.092 Other assets
Jumlah aset keuangan 13.701.825.495.339 3.135.926.701.360 10.565.898.793.979 13.701.825.495.339 Total financial assets
Liabilitas Liabilities
Liabilitas segera 199.060.602.051 -- 199.060.602.051 199.060.602.051 Obligations due immediately
Simpanan nasabah 6.095.118.037.033 -- 6.095.118.037.033 6.095.118.037.033 Deposits from customers
Simpanan dari bank lain 5.224.465.439 -- 5.224.465.439 5.224.465.439 Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 286.521.752.188 -- 286.521.752.188 286.521.752.188 repurchased agreement
Bunga yang masih harus
dibayar 15.674.141.519 -- 15.674.141.519 15.674.141.519 Accrued interests
Liabilitas lain-lain 37.886.478.380 -- 37.886.478.380 37.886.478.380 Other liabilities
Jumlah liabilitas
keuangan 6.639.485.476.610 -- 6.639.485.476.610 6.639.485.476.610 Total financial liabilities
Tidak terdapat pengalihan antara tingkat 1 dan There are no transfers between levels 1 and 2
2 selama tahun berjalan. during the year.
Nilai wajar untuk instrumen keuangan yang The fair value of financial instruments traded in
diperdagangkan di pasar aktif ditentukan active markets is based on quoted market
berdasarkan kuotasi nilai pasar pada tanggal prices at the reporting date.
pelaporan.
Nilai wajar instrumen keuangan yang tidak The fair value of financial instruments that are
diperdagangkan di pasar aktif ditentukan not traded in an active market is determined
dengan menggunakan teknik penilaian using specific valuation techniques. These
tertentu. Teknik tersebut menggunakan data valuation techniques use the observable market
pasar yang dapat diobservasi sepanjang data where it is available and rely as little as
tersedia dan seminimal mungkin mengacu possible on estimates. If all significant inputs of
pada estimasi. Apabila seluruh input signifikan fair value are observable, these financial
atas nilai wajar dapat diobservasi, instrumen instruments are included in level 2.
keuangan ini termasuk dalam tingkat 2.
Teknik penilaian tertentu digunakan untuk Specific valuation techniques used to determine
menentukan nilai instrumen keuangan the financial instruments value include of:
mencakup:
• Penggunaan kuotasi harga pasar atau • The use of quoted market prices or dealer
diler untuk instrumen sejenis; dan quotes for similar instruments; and
• Teknik lain, seperti analisis arus kas • Other techniques, such as discounted
diskonto, digunakan untuk menentukan cash flows analysis, are used to
nilai wajar instrumen keuangan lainnya. determine fair value for the remaining
financial instruments.
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
43. Manajemen Modal dan Rasio Liabilitas 43. Capital Management and Minimum
Penyediaan Modal Minimum (CAR) Required Capital Adequacy Ratio (CAR)
Dalam pengelolaan modal, Bank diwajibkan In capital management, the Bank is required to
untuk menjaga dan menguatkan posisi modal maintain and strengthen the capital position
yang mendukung pertumbuhan bisnis serta that supports business growth and maintains
menjaga kepercayaan investor, deposan, the confidence of investors, depositors,
pelanggan, dan pasar sebagaimana tercermin customers and the market as reflected in the
dari implementasi POJK No.11/POJK.03/2016 implementation of POJK No.11/POJK/03/2016
tentang Kewajiban Penyediaan Modal regarding Minimum Capital Adequacy
Minimum untuk Bank Umum sebagaimana Requirement for Commercial Banks as latest
diubah terakhir kali melalui POJK No. 27 tahun amended with POJK No. 27 year 2022 is
2022 diungkapkan pada Catatan 46g. disclosed in Note 46g.
44. Analisis Kualitas Kredit 44. Credit Quality Analysis
Pengukuran Kerugian Kredit Ekspektasian Measurement of Expected Credit Losses
Peningkatan Risiko Kredit secara Signifikan Significant Increase in Credit Risk
Ketika menentukan apakah risiko gagal bayar When determining whether the risk of default
pada instrumen keuangan telah meningkat on financial instruments has increased
secara signifikan sejak pengakuan awal, Bank significantly since initial recognition, the Bank
mempertimbangkan informasi yang wajar dan considers reasonable and supported relevant
terdukung, serta relevan yang tersedia tanpa information that is available without excessive
biaya atau upaya yang berlebihan. Hal tersebut costs or efforts. This includes quantitative and
mencakup informasi dan analisa kuantitatif dan qualitative information and analysis, based on
kualitatif, berdasarkan pada pengalaman historical experience and credit expert
historis dan penilaian pakar kredit dan assessments and including forward-looking
termasuk perkiraan masa depan. estimates.
Tujuan dari penilaian ini adalah untuk The purpose of this assessment is to identify
mengidentifikasi apakah peningkatan risiko whether a significant increase in credit risk of
kredit secara signifikan atas eksposur telah exposure has occurred by comparing:
terjadi dengan membandingkan:
• Probability of default (PD) atas umur tersisa • Probability of default (PD) for the remaining
pada tanggal pelaporan; dengan age at the reporting date; with
• Probability of default (PD) atas umur tersisa • Probability of default (PD) for the estimated
yang di estimasi pada saat pengakuan awal remaining age at initial recognition of the
eksposur (jika relevan, disesuaikan dengan exposure (if relevant, adjusted for change in
perubahan ekspektasi pembayaran di expectations of prepayment).
muka).
Bank menggunakan kriteria berikut dalam Bank use these criteria for determining whether
menentukan apakah peningkatan risiko kredit there has been a significant increase in credit:
secara signifikan atas eksposur telah terjadi:
• Pengujian kuantitatif berdasarkan • Quantitative test based on movement in
perubahan probability of default (PD); probability of default (PD);
• Indikator kualitatif; • Qualitative indicators;
• Tertunggak lebih dari 30 hari. • A backstop of 30 days past due.
Credit Risk Grades Credit Risk Grades
Bank mengalokasikan setiap eksposur ke The bank allocated each exposure to credit risk
credit risk grades berdasarkan variasi data grades based on a variety of data that is
yang ditentukan untuk memprediksi risiko gagal determined to predict the risk of default and
bayar dan menerapkan pengalaman atas apply credit experience judgement. Credit risk
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
kredit. Credit risk grades ditetapkan grades are determined using qualitative and
menggunakan faktor kualitatif dan kuantitatif quantitative factors that can indicate the risk of
yang dapat mengindikasikan risiko gagal bayar. default. These factors vary depending on the
Faktor-faktor ini bervariasi tergantung pada nature of the exposure and the type of
sifat eksposur dan jenis peminjam. borrower.
Credit risk grades ditetapkan dan dikalibrasi Credit risk grades are determined and
sedemikian rupa sehingga risiko terjadinya calibrated in such a way that the risk of default
gagal bayar meningkat secara eksponensial is increasing exponentially as credit risk rating
seiring dengan penurunan rating risiko kredit, decreases, for example, the difference between
sebagai contoh, selisih antara credit risk rating credit risk rating grades 1 and 2 is smaller than
grades 1 dan 2 lebih kecil dari pada selisih the difference between credit risk rating grades
antara credit risk rating grades 2 dan 3. 2 and 3.
Setiap eksposur dialokasikan ke credit risk Each exposure is allocated to credit risk grades
grades pada pengakuan awal berdasarkan at initial recognition based on available
informasi yang tersedia tentang peminjam. information about the borrower. This exposure
Eksposur ini dipantau secara berkelanjutan, is monitored on an ongoing basis, and can
dan dapat mengakibatkan eksposur result in the exposure being transferred to
dipindahkan ke credit risk grades yang different credit risk grades. Monitoring usually
berbeda. Pemantauan biasanya menggunakan uses the following data: financial statements,
data berikut: laporan keuangan, penggunaan use of credit facilities, estimates of economic
fasilitas kredit, estimasi kondisi ekonomi. conditions.
Penentuan Struktur Probability of Default Determination of the Probability of Default
Structure
Credit risk grades adalah input utama dalam Credit risk grades are the main input in
penentuan struktur PD term structure atas determining the PD term structure of the
eksposur. Bank mengumpulkan informasi exposure. The Bank collects performance and
kinerja dan gagal bayar tentang eksposur risiko default information about credit risk exposures,
kredit yang dianalisa berdasarkan jenis produk which are analyzed by product and borrower
dan peminjam serta penilaian risiko kredit. type as well as credit risk assessment. For
Untuk beberapa portofolio terutama produk some portfolios especially treasury products,
treasury, informasi yang dibeli dari penilai information purchased from external credit
kredit eksternal juga digunakan. assessors is also used.
Bank menggunakan model statistik untuk The Bank uses a statistical model to analyze
menganalisa data yang dikumpulkan dan the collected data and produce an estimate of
menghasilkan perkiraan probability of default the probability of default (PD) for the remaining
(PD) atas umur tersisa dan bagaimana hal ini life and how this is expected to change as a
diperkirakan akan berubah sebagai akibat dari result of the passage of time.
berlalunya waktu.
Analisa ini mencakup identifikasi dan kalibrasi This analysis includes the identification and
hubungan antara perubahan tingkat gagal calibration of the relationship between changes
bayar dan perubahan dalam faktor-faktor in default rates and changes in key
makro ekonomi utama pada risiko gagal bayar. macroeconomic factors on the risk of default.
Untuk sebagian besar eksposur, indikator For most exposures, the main macroeconomic
makro ekonomi utama meliputi: pertumbuhan indicators include: GDP growth, benchmark
PDB, suku bunga acuan, dan tingkat interest rates, and the unemployment rate.
pengangguran.
Penentuan Terjadinya Peningkatan Risiko Determination of Significant Increase in
Kredit secara Signifikan Credit Risk
Bank mempergunakan sejumlah kriteria untuk Bank uses several criteria for determining that
menentukan telah terjadi peningkatan risiko credit risk has increased significantly.
kredit secara signifikan.
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Kriteria tersebut ditetapkan menggunakan The criteria are determined using qualitative
faktor kuantitatif dan kualitatif termasuk and quantitative factors including determination
penentuan berdasarkan status hari tunggakan based on arrear day status that can indicate
yang dapat mengindikasikan telah terjadi significant increase in credit risk since initial
peningkatan risiko kredit yang signifikan recognition.
terhadap saat awal diberikan.
Bank dimungkinkan menggunakan penilaian The Bank can also use the judgment of credit
dari analis kredit dan pengalaman historis yang analysts and, if possible, relevant historical
relevan, dalam menentukan bahwa eksposur experience, in determining that the exposure
mungkin saja telah mengalami peningkatan may have experienced a significant increase in
risiko kredit yang signifikan berdasarkan credit risk based on certain qualitative
indikator kualitatif tertentu yang dianggap dapat indicators that are considered to indicate this
mengindikasikan hal tersebut dimana and their effects may not be fully reflected in
pengaruhnya mungkin belum sepenuhnya quantitative analysis in a comprehensive
tercermin pada saat dilakukan analisis manner on a timely manner.
kuantitatif.
Bank menentukan bahwa peningkatan resiko The Bank determines that a significant increase
kredit secara signifikan belum terjadi apabila in credit risk has not occurred if it is still less
masih kurang dari 30 hari tunggakan. Hari than 30 days in arrears. Arrear days are
tunggakan ditentukan dengan menghitung determined by counting the number of days
jumlah hari sejak tanggal jatuh tempo awal from the initial due date where full payment has
dimana pembayaran penuh belum diterima. not been received.
Bank memantau efektifitas kriteria yang The Bank monitors the effectiveness of the
digunakan dalam mengidentifikasi peningkatan criteria used in identifying significant increases
risiko kredit yang signifikan dengan cara reviu in credit risk by periodic review.
berkala.
Modifikasi Aset Keuangan Modification of Financial Assets
Ketentuan kontraktual pinjaman dapat Loan contractual terms can be modified for a
dimodifikasi untuk beberapa alasan, termasuk number of reasons, including changes in
perubahan kondisi pasar, retensi pelanggan market conditions, customer retention and
dan faktor-faktor lain yang tidak terkait dengan other factors not related to the current credit
penurunan kredit saat ini. Pinjaman yang decline. Loans with modified contractual terms
ketentuan kontraktualnya dimodifikasi dapat can cause the initial loan to be derecognized
menyebabkan pinjaman awal dihentikan and recognized the modified loan as a new
pengakuannya dan pinjaman hasil modifikasi loan at fair value.
diakui sebagai pinjaman baru pada nilai wajar.
Ketika ketentuan kontraktual pinjaman When the contractual terms of the loan are
dimodifikasi dan tidak mengakibatkan modified and do not result in termination of
penghentian pengakuan, penentuan terjadinya recognition, determining the occurrence of a
peningkatan risiko kredit secara signifikan significant increase in credit risk is done by
dilakukan dengan cara membandingkan: comparing:
• Sisa PD sepanjang umur pada tanggal • PD remainder life at reporting date based
pelaporan berdasarkan ketentuan yang on modified provision; with
dimodifikasi; dengan
• Sisa PD sepanjang umur yang diestimasi • Residual PD throughout the estimated age
berdasarkan data pada saat pengakuan based on data at initial recognition and
awal dan ketentuan kontraktual awal. initial contractual provisions.
Definisi Gagal Bayar (Default) Definition of Failed Payment (Default)
Bank menganggap aset keuangan dalam The Bank considers financial assets as default
keadaan default/gagal bayar ketika: when:
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
• Debitur telah melewati jatuh tempo lebih • The debtors have past due more than 90
dari 90 hari atas kewajiban kredit material days for any material credit obligations to
apapun kepada Bank. the Bank.
Dalam menilai apakah debitur dalam keadaan In assessing whether a debtor is in default, the
default/gagal bayar, Bank mempertimbangkan Bank considers the following indicators
indikator berikut
• Kualitatif seperti pelanggaran persyaratan • Qualitative such as violations of the terms of
penjanjian (covenants); the agreement (covenants);
• Kuantitatif seperti status tunggakan; dan • Quantitative such as arrears status; and
• Berdasarkan data yang dikembangkan • Based on data developed internally and
secara internal dan diperoleh dari sumber obtained from external sources.
eksternal.
Input, Asumsi, dan Teknik yang digunakan Inputs, Assumptions, and Techniques used
dalam mengestimasi penurunan nilai in estimating impairment
Penggunaan informasi perkiraan masa Use of forward-looking information
depan (forward-looking)
Bank menggunakan informasi forward-looking The Bank uses forward-looking information in
dalam menilai apakah telah terjadinya assessing whether there has been a significant
peningkatan risiko kredit secara signifikan dan increase in credit risk and measurement of
pengukuran kerugian kredit ekspektasian. expected credit losses. Based on advice from
Berdasarkan saran dari Komite Manajemen the Risk Management Committee and
Risiko dan pertimbangan berbagai informasi consideration of various actual information and
aktual dan perkiraan eksternal, Bank external forecast, the Bank formulated a base
merumuskan pandangan dasar (base case) case for the movement of relevant economic
tentang pergerakan variabel ekonomi yang variables in future as well as forecasts of other
relevan dimasa depan serta perkiraan skenario possible scenarios. This process involves
lain yang mungkin terjadi. Proses ini meliputi developing two or more additional economic
pengembangan dua atau lebih skenario scenarios and considering the relative
ekonomi tambahan dan mempertimbangkan probabilities of the possible outputs. External
probabilitas relatif dari keluaran (output) yang information includes economic data and
mungkin. Informasi eksternal mencakup data estimateds published by, such as government
ekonomi dan perkiraan yang diterbitkan oleh, agencies and selected private sector analysts.
seperti badan pemerintah dan analis sektor
swasta.
Pandangan dasar (base case) mencerminkan The base case reflects the output with the
keluaran dengan probabilitas yang paling highest probability. Another scenario, reflects
tinggi. Skenario yang lain, mencerminkan more optimistic outputs and more pessimistic
keluaran yang lebih optimis dan keluaran yang outputs.
lebih pesimis.
Skenario ekonomi yang dirumuskan The economic scenario is formulated using the
menggunakan kisaran indikator utama berikut: following range of key indicators:
2025 2024
Tingkat pengangguran/Unemployment Kisaran antara 4.50% hingga 5.50%/Range Kisaran antara 4.50% hingga 5.50%/Range
between 4.50% and 5.50% between 4.50% and 5.50%
Suku bunga/Interest rates Kisaran 5.75% hingga 6.25%/Range Kisaran 5.75% hingga 6.25%/Range
between 5.75% and 6.25% between 5.75% and 6.25%
Inflasi/Inflation rate Kisaran antara 1.50%% hingga 3.50%/Range Kisaran antara 1.50%% hingga 3.50%/Range
between 1.50% and 3.50% between 1.50% and 3.50%
Brent Oil Price Kisaran antara USD70 hingga USD95/ Kisaran antara USD70 hingga USD95/
Range between USD70 and USD95 Range between USD70 and USD95
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Input utama dalam pengukuran kerugian kredit The main inputs in measuring expected credit
ekspektasian adalah variabel berikut loss are the following variables
• Probability of default (PD); • Probability of default (PD);
• Loss of given default (LGD); • Loss of given default (LGD);
• Exposure at default (EAD). • Exposure at default (EAD).
Parameter ini umumnya berasal dari model These parameters generally come from
statistik yang dikembangkan secara internal statistical models that are developed internally
dan data historis lainnya. Parameter ini and other historical data. This parameter is
disesuaikan untuk mencerminkan informasi adjusted to reflect forward-looking information.
forward-looking.
Estimasi PD adalah estimasi pada tanggal PD estimation is an estimate on a certain date,
tertentu, yang dihitung berdasarkan model which is calculated based on a statistical
peringkat statistik, dan dinilai menggunakan ranking model, and is assessed using a rating
rating yang disesuaikan dengan berbagai that is adjusted to various categories of debtors
kategori dari debitur dan eksposur. Model and exposures. This statistical model is based
statistik ini didasarkan pada data yang disusun on data compiled internally consisting of
secara internal yang terdiri dari faktor kuantitatif quantitative and qualitative factors.
dan kualitatif.
LGD adalah besarnya kerugian jika terjadi LGD is the amount of loss if there is a default.
gagal bayar. Parameter LGD diestimasi secara LGD parameters are historically estimated
historis berdasarkan tingkat pemulihan atas based on the level of recovery of claims against
klaim terhadap debitur yang gagal bayar. debtors who default. The LGD model considers
Model LGD mempertimbangkan jaminan dan collateral and the cost of recovering any
biaya pemulihan setiap jaminan yang collateral that is an integral part of a financial
merupakan bagian integral dari aset keuangan. asset.
EAD merepresentasikan estimasi eksposur jika EAD represents the estimated exposure in
terjadi gagal bayar. EAD suatu aset keuangan case of default. EAD of a financial asset is the
adalah jumlah tercatat bruto. Untuk komitmen gross carrying amount. For loan commitments
pinjaman dan jaminan keuangan, EAD and financial guarantees, EAD includes the
mencakup jumlah yang telah ditarik, serta amount that has been withdrawn, as well as
jumlah potensial di masa depan yang akan potential future amounts to be withdrawn,
ditarik, yang diestimasi berdasarkan which are estimated based on historical
pengamatan historis dan perkiraan observations and forward- looking estimates.
berwawasan ke depan (forward-looking).
Ketika pemodelan parameter dilakukan secara When parameter modeling is done collectively,
kolektif, instrumen keuangan dikelompokkan financial instruments are Banked according to
berdasarkan kesamaan karakteristik risiko the similarity of risk characteristics which
yang meliputi: include
• Jenis instrumen; • Type of instrument;
• Peringkat risiko kredit; • Credit risk rating;
• Jenis agunan; • Type of collateral;
• Tanggal pengakuan awal; • Date of initial recognition;
• Sisa waktu jatuh tempo. • Remaining due date.
a. Analisis risiko kredit berdasarkan internal a. Credit risk analysis based on internal rating
rating grades diungkapkan pada Catatan grades is disclosed in Note 46h.
46h.
Cadangan kerugian kredit untuk aset Allowance for credit losses for financial
keuangan yang diklasifikasikan pada nilai assets classified as fair value through
wajar melalui penghasilan komprehensif other comprehensive income is not
lain tidak diakui pada laporan posisi recognized in the statement of financial
122
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
keuangan karena nilai tercatat aset position because the carrying value of the
keuangan tersebut adalah nilai wajar. financial assets is fair value.
b. Analisis risiko kredit berdasarkan b. Credit risk analysis based on probability of
probability of default: default:
2025
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
0,93% - 6,71% 8.879.770.915.607 -- -- -- 8.879.770.915.607
14,10% - 42,03% -- 111.449.742.838 -- -- 111.449.742.838
38,71% - 60,95% -- -- 149.510.302.579 -- 149.510.302.579
58,19% - 88,13% -- -- -- -- --
100,00% -- -- -- -- --
8.879.770.915.607 111.449.742.838 149.510.302.579 -- 9.140.730.961.024
Cadangan kerugian kredit/
Loss allowance (32.889.639.913) (30.586.468.365) (94.251.833.464) -- (157.727.941.742)
Jumlah/Total 8.846.881.275.694 80.863.274.473 55.258.469.115 -- 8.983.003.019.282
2024
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
0,93% - 6,71% 7.364.365.627.090 -- -- -- 7.364.365.627.090
14,10% - 42,03% -- 52.764.443.271 -- -- 52.764.443.271
38,71% - 60,95% -- -- 60.904.461.753 -- 60.904.461.753
58,19% - 88,13% -- -- -- -- --
100,00% -- -- -- -- --
7.364.365.627.090 52.764.443.271 60.904.461.753 -- 7.478.034.532.114
Cadangan kerugian kredit/
Loss allowance (58.977.782.100) (14.471.918.996) (31.033.888.145) -- (104.483.589.241)
Jumlah/Total 7.305.387.844.990 38.292.524.275 29.870.573.608 -- 7.373.550.942.873
c. Analisis risiko kredit berdasarkan external c. Credit risk analysis based on external
rating grades diungkapkan pada Catatan rating grades is disclosed in Note 46h.
46h.
Analisa Sensitivitas Kerugian Kredit Sensitivity Analysis of Expected Credit
Ekspektasian Terhadap Kondisi Ekonomi Loss for Future Economic Conditions
Masa Depan
Asumsi ekonomi yang disajikan berikut ini The economic assumptions presented below
disusun secara internal untuk keperluan are prepared internally for the purpose of
perhitungan kerugian kredit ekspektasian. calculating expected credit losses.
123
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2024 2025 2026 2027 2028
Skenario Moderat/Moderate Scenario
Interbank 6,00% 5,75% 5,25% 4,75% 4,25%
Brent 85 85 85 85 80
Inflasi/Inflation 3,00% 2,50% 2,25% 2,25% 2,25%
Tingkat pengangguran/Unemployment 5,00% 5,00% 5,00% 5,00% 5,00%
Skenario Optimis/Upside Scenario
Interbank 5,75% 5,50% 5,00% 4,50% 4,00%
Brent 80 75 75 75 75
Inflasi/Inflation 2,00% 2,00% 1,75% 1,75% 1,75%
Tingkat pengangguran/Unemployment 4,50% 4,50% 4,50% 4,50% 4,50%
Skenario Pesimis/Downside Scenario
Interbank 6,25% 6,00% 5,50% 5,00% 4,50%
Brent 90 90 90 90 90
Inflasi/Inflation 4,00% 3,75% 3,50% 3,50% 3,50%
Tingkat pengangguran/Unemployment 5,50% 5,50% 5,50% 5,50% 5,50%
45. Informasi Tambahan Arus Kas 45. Additional Information of Cash Flow
a. Rekonsiliasi liabilitas yang timbul dari a. Liabilities reconciliation that arise from
aktivitas pendanaan: financing activities:
Perubahan
31 Des/ non kas/ 31 Des/
Dec 31, Arus Kas/ Non cash Dec 31,
2024 Cash Flow changes 2025
Liabilitas sewa (19.920.194.310) 13.583.350.717 (7.520.035.160) (13.856.878.753) Lease liabilities
Jumlah (19.920.194.310) 13.583.350.717 (7.520.035.160) (13.856.878.753) Total
Perubahan
31 Des/ non kas/ 31 Des/
Dec 31, Arus Kas/ Non cash Dec 31,
2023 Cash Flow changes 2024
Liabilitas sewa (25.638.857.628) 13.983.764.315 (8.265.100.997) (19.920.194.310) Lease liabilities
Jumlah (25.638.857.628) 13.983.764.315 (8.265.100.997) (19.920.194.310) Total
b. Transaksi non-kas b. Non-cash transaction
2025 2024
Utang perolehan Treasury stock
saham treasury 2.893.826.491 -- acquisition payable
Penambahan aset tetap Unpaid addition of property,
yang belum dibayar -- 11.158.781.964 plant and equipment
Jumlah 2.893.826.491 11.158.781.964 Total
46. Informasi Tambahan yang Tidak 46. Additional Information That Is Not Required
Dipersyaratkan Oleh Standar Akuntansi by Indonesian Accounting Standards
Indonesia (Tidak Diaudit) (Unaudited)
Informasi tambahan berikut yang disajikan The following additional information presented
dibawah ini merupakan informasi yang below is information required by applicable
disyaratkan oleh regulasi yang berlaku dan regulations and is not information required by
bukan/tidak merupakan informasi yang Indonesian Accounting Standards:
dipersyaratkan oleh Standar Akuntansi
Indonesia:
124
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
a. Giro pada Bank Indonesia a. Current Account with Bank Indonesia
Bank dipersyaratkan untuk memiliki Giro The Bank is required to maintain minimum
Wajib Minimum (GWM) dalam mata uang statutory reserves (GWM) in Rupiah for
Rupiah dalam kegiatannya sebagai bank conventional banking activities and
umum dan GWM dalam mata uang asing statutory reserves in foreign currencies for
dalam kegiatannya melakukan transaksi foreign exchange transactions.
mata uang asing.
GWM primer adalah simpanan minimum Primary minimum statutory reserve is a
yang wajib dipenuhi oleh Bank dalam minimum reserve that should be
bentuk saldo rekening giro pada Bank maintained by the Bank in current
Indonesia. Penyangga Likuiditas accounts with Bank Indonesia.
Makroprudensial (dahulu GWM sekunder) Macroprudential Liquidity Buffer (formerly
adalah cadangan minimum yang wajib secondary minimum statutory reserve)
dipelihara oleh Bank berupa Sertifikat which is the minimum reserves that should
Bank Indonesia (SBI), Surat Utang Negara be maintained by the Bank, comprised of
(SUN), dan Surat Berharga Syariah Certificates of Bank Indonesia (SBI),
Negara (SBSN). GWM Rasio Intermediasi Government Debenture Debt (SUN), and
Makroprudensial (RIM) (dahulu GWM Sharia Government Securities (SBSN).
LFR) adalah tambahan simpanan The minimum statutory reserve on
minimum yang wajib dipenuhi oleh Bank Macroprudential Intermediation Ratio
dalam bentuk saldo rekening giro pada (RIM) (formerly minimum statutory reserve
Bank Indonesia, jika RIM Bank di bawah on LFR) is the additional reserve that
minimum RIM target Bank Indonesia should be maintained by the Bank in the
(84%) atau jika di atas maksimum RIM form of current accounts with Bank
target Bank Indonesia (94%) dan Indonesia, if the Bank’s RIM is below the
Kewajiban Penyediaan Modal Minimum minimum of RIM targeted by Bank
(KPMM) Bank lebih kecil dari KPMM Indonesia (84%) or if the Bank’s RIMis
Insentif Bank Indonesia sebesar 14%. above the maximum of RIM targeted by
Bank Indonesia (94%) and the Capital
Adequacy Ratio (CAR) is below Bank
Indonesia requirement of 14%.
Pada tanggal 31 Desember 2025 dan As of December 31, 2025 and 2024, the
2024, Giro Wajib Minimum (GWM) Bank Bank's Statutory Reserves (GWM) have
telah sesuai dengan Peraturan Bank complied with Bank Indonesia Regulation
Indonesia (PBI) No. 20/3/PBI/2018 tanggal (PBI) No. 20/3/PBI/2018 dated March 29,
29 Maret 2018 tentang Giro Wajib 2018 concerning Statutory Reserves for
Minimum Bank Umum Dalam Rupiah dan Commercial Banks in Rupiah and Foreign
Valuta Asing Bagi Bank Umum Exchange for Banks Conventional General
Konvensional sebagaimana telah diubah as amended through PBI No.
dengan PBI No. 22/3/PBI/2020 tanggal 22/3/PBI/2020 dated March 24, 2020; PBI
24 Maret 2020; PBI No. 22/10/PBI/2020 No. 22/10/PBI/2020 dated July 28, 2020;
tanggal 28 Juli 2020; PBI No. PBI No. 23/16/PBI/2021 dated December
23/16/PBI/2021 tanggal 21 Desember 21, 2021; and latest amendment through
2021; dan terakhir kali melalui PBI PBI No. 24/4/PBI/2022 dated
No. 24/4/PBI/2022 tanggal March 01, 2022 which explained by
01 Maret 2022 yang dijelaskan melalui Regulation of the Members of the Board of
Peraturan Anggota Dewan Gubernur Governors (PADG) No. 20/10/PADG/2018
(PADG) No. 20/10/PADG/2018 tanggal dated May 31, 2018 concerning Statutory
31 Mei 2018 tentang Giro Wajib Minimum Reserves for Conventional Commercial
Bank Umum Konvensional, Bank Umum Banks, Sharia Commercial Banks and
Syariah dan Unit Usaha Syariah Sharia Business Units as amended
sebagaimana telah diubah beberapa kali through PADG No. 21/14/PADG/2019
dengan PADG No. 21/14/PADG/2019 dated June 26, 2019;
tanggal 26 Juni 2019; PADG No. PADG No. 21/27/PADG/2019 dated
21/27/PADG/2019 tanggal 26 Desember December 26, 2019; PADG
125
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2019; PADG No. 22/2/PADG/2020 tanggal No. 22/2/PADG/2020 dated March 10,
10 Maret 2020; PADG No. 2020; PADG No. 22/10/PADG/2020 dated
22/10/PADG/2020 tanggal 29 April 2020; April 29, 2020; PADG No.
PADG No. 22/19/PADG/2020 tanggal 22/19/PADG/2020 dated July 29, 2020;
29 Juli 2020; PADG No. 23/27/PADG/2021 PADG No. 23/27/PADG/2021 dated
tanggal 21 Desember 2021; PADG No. December 21, 2021; PADG No.
24/3/PADG/2022 tanggal 01 Maret 2022; 24/3/PADG/2022 dated March 01, 2022;
PADG No. 24/8/PADG/2022 tanggal 30 PADG No. 24/8/PADG/2022 dated June
Juni 2022; PADG Nomor 2 tahun 2023 30, 2022; PADG No.2 year 2023 dated
tertanggal 1 April 2023; PADG Nomor 12 April 1, 2023; PADG No.12 year 2023
tahun 2023 tertanggal 1 Oktober 2023; dated October 1, 2023; PADG No.8 year
PADG Nomor 8 tahun 2025 tertanggal 1 2025 dated April 1, 2025; and latest
April 2025; dan terakhir kali melalui PADG amendment through PADG No.31 year
Nomor 31 tahun 2025 tertanggal 23 2025 dated December 23, 2025.
Desember 2025.
2025 2024
Pemenuhan/ Pemenuhan/
Reserve Minimum Reserve Minimum
Rupiah Rupiah
GWM primer 6,35% 6,30% 7,78% 7,70% Primary GWM
GWM harian 0,00% 0,00% 0,00% 0,00% Daily GWM
GWM rata-rata 6,35% 6,30% 7,78% 7,70% Average GWM
GWM sekunder/ Secondary GWM/
Penyangga Likuiditas Macroprudential
Makroprudensial (PLM) 83,04% 5,00% 83,79% 5,00% Liquidity Buffer (PLM)
Mata Uang Asing Foreign currency
GWM primer 4,82% 4,00% 0% 0% Primary GWM
GWM harian 2,00% 2,00% 0% 0% Daily GWM
GWM rata-rata 2,82% 2,00% 0% 0% Average GWM
*) Pada tanggal 31 Desember 2025 dan 2024 Bank *) As of December 31, 2025 and 2024 the Bank
mendapatkan insentif dari Bank Indonesia masing- received an incentive from Bank Indonesia of
masing sebesar 2,70% dan 1,30% sehingga 2.70% and 1.30%, so that the minimum GWM
minimum pemenuhan GWM masing-masing fulfillment is 6.30% and 7.70%, respectively.
sebesar 6,30% dan 7,70%
Pada tanggal 31 Desember 2025 dan As of December 31, 2025 and 2024, the
2024, Bank juga harus memenuhi PBI Bank must also comply with
No.20/4/PBI/2018 tanggal 29 Maret 2018 PBI No.20/4/PBI/2018 dated March 29,
tentang Rasio Intermediasi 2018 concerning Macroprudential
Makroprudensial dan Penyangga Intermediation Ratios and Macroprudential
Likuiditas Makroprudensial bagi Bank Liquidity Buffers for Conventional
Umum Konvensional, Bank Umum Commercial Banks, Sharia Commercial
Syariah, dan Unit Konvensional, Bank Banks, and Conventional Units, Sharia
Umum Syariah dan Unit Usaha Syariah Commercial Banks and Sharia Business
sebagaimana telah diubah dengan PBI Units as amended through PBI
No.21/12/PBI/2019 tanggal 26 November No.21/12/PBI/2019 dated November 26,
2019; PBI No.22/17/PBI/2020 tanggal 2019; PBI No.22/17/PBI/2020 dated
01 Oktober 2020; dan terakhir kali melalui October 01, 2020; and latest amendment
PBI No.23/17/PBI/2021 tanggal through PBI No. 23/17/PBI/2021 dated
22 Desember 2021 yang dijelaskan December 22, 2021 which explained by
melalui Peraturan Anggota Dewan the Regulation of Members of the Board of
Gubernur No.21/22/PADG/2019 tanggal Governors No.21/22/PADG/2019 dated
28 November 2019 yang telah diubah November 28, 2019 which has been
dengan PADG No.22/30/PADG/2020 amended through PADG
tanggal 05 Oktober 2020; PADG No.22/30/PADG/2020 dated October 05,
No.23/7/PADG/2021 tanggal 28 April 2020; No.23/7/PADG/2021 dated April 28,
2021; PADG No.24/14/PADG/2022 2021; PADG No.24/14/PADG/2022 dated
tanggal 1 November 2022; PADG Nomor November 1, 2022; PADG No.10 year
126
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
10 tahun 2023 tanggal 2023 dated September 14, 2023; PADG
14 September 2023; PADG Nomor 18 No.18 year 2023 dated December 1, 2023;
tahun 2023 tanggal 1 Desember 2023; dan and latest amendment through PADG
terakhir kali diubah dengan PADG Nomor No.23 year 2025 dated October 20, 2025.
23 tahun 2025 tanggal 20 Oktober 2025.
Pada tanggal 31 Desember 2025 dan As at December 31, 2025 and 2024, the
2024, Bank telah memenuhi ketentuan Bank has complied with Minimum
Bank Indonesia yang berlaku tentang Giro Statutory Reserve Requirement of
Wajib Minimum Bank Umum. Commercial Banks.
Pengungkapan lebih lanjut giro pada bank The further disclosures on current
lain diungkapkan pada Catatan 5. accounts with other banks are presented in
Note 5.
b. Giro pada Bank Lain b. Current Account with Other Banks
Seluruh giro pada bank lain pada tanggal All current accounts with other banks as of
31 Desember 2025 dan 2024 31 December 2025 and 2024 are classified
diklasifikasikan lancar. as current.
Pengungkapan lebih lanjut giro pada bank The further disclosures on current
lain diungkapkan pada Catatan 6. accounts with other banks are presented in
Note 6.
c. Penempatan pada Bank Indonesia dan c. Placements with Bank Indonesia and
Bank Lain Other banks
Seluruh penempatan pada bank lain dan All placements with other banks and Bank
Bank Indonesia pada tanggal Indonesia as of 31 December 2025 and
31 Desember 2025 dan 2024 2024 are classified as current.
diklasifikasikan sebagai lancar.
Pengungkapan lebih lanjut penempatan The further disclosures on placements with
pada Bank Indonesia dan bank lain Bank Indonesia and other banks are
diungkapkan pada Catatan 7. presented in Note 7
d. Efek-efek d. Marketable securities
Seluruh efek-efek pada tanggal All securities as of 31 December 2025 and
31 Desember 2025 dan 2024 2024 are classified as current.
diklasifikasikan lancar.
Pengungkapan lebih lanjut efek-efek The further disclosures on securities are
diungkapkan pada Catatan 8. presented in Note 8.
e. Efek-efek yang dibeli dengan janji dijual e. Securities purchased under resell
kembali agreement
Seluruh efek-efek yang dibeli dengan janji All securities purchased under resell
dijual kembali pada tanggal 31 Desember agreement as of 31 December 2025 and
2025 dan 2024 diklasifikasikan lancar. 2024 are classified as current.
Pengungkapan lebih lanjut efek-efek yang The further disclosures on securities
dibeli dengan janji dijual kembali purchased under resell agreement are
diungkapkan pada Catatan 9. presented in Note 9.
127
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
f. Kredit yang diberikan f. Loans
Berdasarkan kolektibilitas sesuai By Financial Service Authority Rule
Peraturan OJK collectability
31 Desember 2025/ 31 Desember 2024/
December 31,2025 December 31,2024
Cadangan Cadangan
kerugian kerugian
penurunan nilai/ penurunan nilai/
Allowance for Allowance for
Pokok/ impairment Pokok/ impairment
Principle losses Principle losses
Lancar 8,058,607,424,799 (26,285,723,100) 5,333,343,975,087 (37,800,735,379) Current
Dalam perhatian khusus 932,613,233,645 (37,190,385,178) 2,083,786,095,275 (35,648,965,717) Special Mention
Kurang lancar 51,801,696,755 (20,381,816,360) 20,085,178,907 (8,050,139,720) Substandard
Diragukan 88,150,684,534 (64,312,095,813) 29,765,578,144 (11,930,043,724) Doubtful
Macet 9,557,921,291 (9,557,921,291) 11,053,704,701 (11,053,704,701) Loss
Jumlah 9,140,730,961,024 (157,727,941,742) 7,478,034,532,114 (104,483,589,241) Total
Pada tanggal 31 Desember 2025 dan As at December 31, 2025 and 2024, the
2024 rasio Non-Performing Loans (NPL) ratios of gross and net Non-Performing
bruto dan neto masing-masing sebesar Loans (NPL) are 1.64% and 0.60% and
1,64% dan 0,60% dan 0,60% dan 0,40,%. 0.60% dan 0.40%, respectively.
Pengungkapan lebih lanjut pada kredit The further disclosures on loans are
yang diberikan diungkapkan pada presented in Note 10.
Catatan 10.
Pinjaman bermasalah dan cadangan Non-performing loans and allowance
kerugian penurunan nilai berdasarkan for impairment losses by economic
sektor ekonomi sector
31 Desember 2025/ 31 Desember 2024/
December 31,2025 December 31,2024
Cadangan Cadangan
kerugian kerugian
penurunan nilai/ penurunan nilai/
Allowance for Allowance for
Pokok/ impairment Pokok/ impairment
Principle losses Principle losses
Rumah tangga 149.510.302.580 94.251.833.464 60.904.461.753 31.033.888.145 Households
Jumlah 149.510.302.580 94.251.833.464 60.904.461.753 31.033.888.145 Total
Tidak ada kredit yang direstrukturisasi oleh There were no restructured loans by the
Bank pada tahun 2025 dan 2024. Bank in the year 2025 and 2024.
Pada tanggal 31 Desember 2025 dan As of December 31, 2025 and 2024, there
2024, tidak terdapat pelanggaran maupun were no any breach nor violation of Legal
pelampauan Batas Maksimum Pemberian Lending Limit (LLL) to related parties and
Kredit (BMPK) kepada pihak berelasi dan third parties as required by The Financial
pihak ketiga sesuai dengan peraturan Services Authority regulations.
yang ditetapkan Otoritas Jasa Keuangan.
128
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
g. Manajemen Modal dan Rasio Liabilitas g. Capital Management and Minimum
Penyediaan Modal Minimum (CAR) Required Capital Adequacy Ratio (CAR)
Dalam pengelolaan permodalan, Bank In managing its capital, the Bank
mempertimbangkan faktor-faktor seperti: considers factors such as: an optimal
pengembalian modal yang optimal pada providing capital rate of return to
pemegang saham, menjaga shareholders, and maintaining a balance
keseimbangan antara keuntungan yang between high return gearing ratio and
lebih tinggi dengan gearing ratio serta safety provided by a sound capital
keamanan yang diberikan oleh posisi position.
modal yang sehat.
Pengungkapan lebih lanjut terkait The further disclosures regarding capital
manajemen modal diungkapkan pada management are presented in Note 43.
Catatan 43.
Sejak tanggal 26 September 2016, Bank Since September 26, 2016, the Bank has
menghitung kebutuhan modal calculated its capital requirements in
berdasarkan Peraturan Otoritas Jasa accordance with Financial Services
Keuangan (POJK) No. 34/POJK.03/2016 Authority (POJK) Regulation No.
diubah terakhir kali melalui POJK 34/POJK.03/2016, as subsequently
No. 27 tahun 2022 dimana modal yang amended by POJK No. 27 of 2022,
diwajibkan regulator dianalisis dalam dua whereby the required regulatory capital is
tier sebagai berikut: classified into two tiers as follows:
• Modal inti (tier 1), yang terdiri dari • Core capital (tier 1), which consists of
modal inti utama dan modal inti core and additional core capital (AT-1).
tambahan (AT-1). Modal inti utama Core capital includes issued and fully
terdiri dari modal diterbitkan dan paid-up capital and disclosed reserves.
disetor penuh dan cadangan tambahan Disclosed reserves consist of the
modal. Cadangan tambahan modal addition factors such as additional
terdiri dari faktor penambah yang terdiri paid- in capital, general reserve, capital
dari agio saham biasa, cadangan advance, prior year profits, profit for the
umum, dana setoran modal, laba year and other comprehensive income
tahun-tahun lalu, laba tahun berjalan, deriving from gain from financial
serta penghasilan komprehensif statement translation, potential gain
lainnya berupa selisih lebih penjabaran from the changes in fair value of
laporan keuangan, potensi keuntungan financial assets classified as available-
yang berasal dari peningkatan nilai for-sale and surplus from revaluation of
wajar aset keuangan dalam kelompok premises and equipment. Disclosed
tersedia untuk dijual dan saldo surplus reserves also consist of deduction
revaluasi aset tetap. Cadangan factors such as losses from financial
tambahan modal juga terdiri dari faktor statement translation, potential losses
pengurang yang terdiri dari selisih from the changes in fair value of
kurang penjabaran laporan keuangan, financial assets classified as available-
potensi kerugian yang berasal dari for-sale, shortfall between allowance
penurunan nilai wajar aset keuangan for losses on productive assets (PPA)
dalam kelompok tersedia untuk dijual, and allowance for impairment losses
selisih kurang antara Penyisihan on productive assets (CKPN), and
Penghapusan Aset (PPA) atas aset shortfall between amount adjusted to
produktif dan Cadangan Kerugian the valuation result of financial
Penurunan Nilai (CKPN) atas aset instruments in Trading Book and
produktif, serta selisih kurang antara amount adjusted based on the financial
jumlah penyesuaian terhadap valuasi accounting standards.
dari instrumen keuangan dalam
Trading Book dan jumlah penyesuaian
berdasarkan standar akuntansi
keuangan.
129
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Modal inti utama harus diperhitungkan Core capital must be calculated with
dengan faktor pengurang berupa: aset deduction factors: deferred tax assets,
pajak tangguhan, goodwill, aset goodwill, other intangible assets, losses
takberwujud lainnya, kerugian atas from remeasurement of defined benefit
pengukuran kembali program pensiun pension program, asset securitization
manfaat pasti, eksposur sekuritisasi aset exposures and investment in shares.
dan penyertaan modal.
Modal inti tambahan dapat berbentuk Additional core capital includes among
antara lain: saham preferen, surat others: non-cumulative preference shares,
berharga subordinasi dan pinjaman subordinated securities and subordinated
subordinasi, dimana ketiganya bersifat debts net of buyback portion.
non-kumulatif setelah dikurangi pembelian
kembali.
• Modal pelengkap (tier 2) antara lain • Supplementary capital (tier 2) includes
meliputi surat berharga subordinasi subordinated securities and
dan pinjaman subordinasi serta subordinated debts and general
cadangan umum (PPA) atas aset allowance for uncollectible account on
produktif sesuai ketentuan OJK. productive assets according to OJK
regulation.
Bank tidak mempunyai modal inti The Bank does not have any additional
tambahan yang memenuhi kriteria core capital which meets the criteria under
peraturan Bank Indonesia yang berlaku. prevailing Bank Indonesia regulation.
Penyediaan modal minimum sebagaimana Minimum capital requirements are as
dimaksud ditetapkan sebagai berikut: follows:
• 8% dari ATMR untuk bank dengan • 8% of RWA for bank with risk rating 1.
profil risiko peringkat 1.
• 9% sampai dengan kurang dari 10% • 9% up to less than 10% of RWA for
dari ATMR untuk bank dengan profil bank with risk rating 2.
risiko peringkat 2.
• 10% sampai dengan kurang dari 11% • 10% up to less than 11% of RWA for
dari ATMR untuk bank dengan profil bank with risk rating 3.
risiko peringkat 3.
• 11% sampai dengan 14% dari ATMR • 11% up to 14% of RWA for bank with
untuk bank dengan profil risiko risk rating 4.
peringkat 4.
Rasio Kewajiban Penyediaan Modal The calculation of Capital Adequacy Ratio
Minimum (KPMM) Bank pada tanggal (CAR) as at December 31, 2025 and 2024
31 Desember 2025 dan 2024 dihitung by the Regulation of Bank Indonesia are
berdasarkan Peraturan Bank Indonesia as follows (in million Rupiah):
adalah sebagai berikut (dalam jutaan
Rupiah):
130
Page 703
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2025 2024
Modal inti (Tier 1) 7,392,067 7,112,795 Core capital (Tier 1)
Modal pelengkap (Tier 2) 84,769 75,393 Supplementary capital (Tier 2)
Total modal inti dan pelengkap 7,476,836 7,188,188 Total core and supplementary capital
Total Aset Tertimbang
Menurut Risiko Total Risk Weight Assets (RWA)
Tanpa memperhitungkan
risiko pasar 9,503,829 8,256,451 Excluding market risk
Dengan memperhitungkan
risiko pasar 9,566,000 8,256,451 Including market risk
Dengan memperhitungkan risiko Including credit, market and
kredit, pasar dan operasional 10,112,105 8,704,733 operational risks
Rasio Kewajiban Penyediaan
Modal Minimum (KPMM) Capital Adequacy Ratio (CAR)
Rasio CET 1 73.58% 81.71% Ratio CET 1
Rasio Tier 1 73.10% 81.71% Ratio Tier 1
Rasio Tier 2 0.84% 0.87% Ratio Tier 2
Rasio total 73.94% 82.58% Ratio total
Rasio Kewajiban Penyediaan
Modal Minimum yang Diwajibkan 9.00% - 9.90% 9.00% - 9.90% Minimum Capital Adequacy Ratio
h. Analisis Kualitas Kredit h. Credit Quality Analysis
Analisis risiko kredit berdasarkan Credit risk analysis based on internal
internal rating grades: rating grades:
2025
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
Bucket 1 8.822.041.006.761 -- -- -- 8.822.041.006.761
Bucket 2 57.729.908.846 -- -- -- 57.729.908.846
Bucket 3 -- 56.420.454.549 -- -- 56.420.454.549
Bucket 4 -- 55.029.288.289 -- -- 55.029.288.289
Bucket 5 -- -- 149.510.302.579 -- 149.510.302.579
8.879.770.915.607 111.449.742.838 149.510.302.579 -- 9.140.730.961.024
Cadangan kerugian kredit/
Loss allowance (32.889.639.913) (30.586.468.365) (94.251.833.464) -- (157.727.941.742)
Jumlah/Total 8.846.881.275.694 80.863.274.473 55.258.469.115 -- 8.983.003.019.282
131
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2024
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
Bucket 1 7.324.840.834.721 -- -- -- 7.324.840.834.721
Bucket 2 39.524.792.369 -- -- -- 39.524.792.369
Bucket 3 -- 29.488.954.559 -- -- 29.488.954.559
Bucket 4 -- 23.275.488.712 -- -- 23.275.488.712
Bucket 5 -- -- 60.904.461.753 -- 60.904.461.753
7.364.365.627.090 52.764.443.271 60.904.461.753 -- 7.478.034.532.114
Cadangan kerugian kredit/
Loss allowance (58.977.782.100,00) (14.471.918.996) (31.033.888.145) -- (104.483.589.241)
Jumlah/Total 7.305.387.844.990 38.292.524.275 29.870.573.608 -- 7.373.550.942.873
Analisis risiko kredit berdasarkan Credit risk analysis based on external
external rating grades: rating grades:
2025
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
Kolektibilitas 1/Collectibility 1 8.822.041.006.761 -- -- 8.822.041.006.761
Kolektibilitas 2/Collectibility 2 57.729.908.846 111.449.742.838 -- 169.179.651.684
Kolektibilitas 3/Collectibility 3 -- -- 51.801.696.755 -- 51.801.696.755
Kolektibilitas 4/Collectibility 4 -- -- 88.150.684.534 -- 88.150.684.534
Kolektibilitas 5/Collectibility 5 -- -- 9.557.921.290 -- 9.557.921.290
8.879.770.915.607 111.449.742.838 149.510.302.579 -- 9.140.730.961.024
Cadangan kerugian kredit/
Loss allowance (32.889.639.913) (30.586.468.365) (94.251.833.464) -- (157.727.941.742)
Jumlah/Total 8.846.881.275.694 80.863.274.473 55.258.469.115 -- 8.983.003.019.282
132
Page 705
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2024
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
Kolektibilitas 1/Collectibility 1 5.333.343.975.086 -- -- -- 5.333.343.975.086
Kolektibilitas 2/Collectibility 2 2.031.021.652.004 52.764.443.271 -- -- 2.083.786.095.275
Kolektibilitas 3/Collectibility 3 -- -- 20.085.178.908 -- 20.085.178.908
Kolektibilitas 4/Collectibility 4 -- -- 29.765.578.144 -- 29.765.578.144
Kolektibilitas 5/Collectibility 5 -- -- 11.053.704.701 -- 11.053.704.701
7.364.365.627.090 52.764.443.271 60.904.461.753 -- 7.478.034.532.114
Cadangan kerugian kredit/
Loss allowance (58.977.782.100) (14.471.918.996) (31.033.888.145) -- (104.483.589.241)
Jumlah/Total 7.305.387.844.990 38.292.524.275 29.870.573.608 -- 7.373.550.942.873
i. Aset dan Liabilitas Moneter dalam Mata i. Assets and Liabilities Denominated in
Uang Asing Foreign Currency
Posisi Devisa Netto (“PDN”) Bank adalah The Bank’s Net Open Position (“NOP”) was
sebagai berikut: as Follows:
31 Desember 2025/ December 31, 2025 31 Desember 2024/ December 31, 2024
Selisih neto
PDN untuk laporan PDN untuk laporan PDN untuk laporan
Selisih neto tagihan tagihan dan
posisi keuangan posisi keuangan posisi keuangan
dan liabilitas di liabilitas di
(selisih neto aset (selisih neto aset (selisih neto aset
rekening PDN secara rekening
dan liabilitas) dan liabilitas) dan liabilitas)
administratif keseluruhan (nilai administratif
NOP for statement NOP for statement NOP for statement
Net difference absolut) Net difference
of financial of financial of financial
between receivables Overall NOP between
position position position
and liabilities in (absolute amount) receivables and
(net difference (net difference (net difference
administrative liabilities in
between assets between assets between assets
accounts administrative
and liabilities) and liabilities) and liabilities)
accounts
USD 1.415.433.249.110 (1.384.025.000.000) 31.408.249.110 -- -- -- USD
SGD 2.268.364.759 -- 2.268.364.759 -- -- -- SGD
Jumlah 33.676.613.869 -- Total
Jumlah Modal 7.427.414.000.000 -- Total Capital
Presentase PDN terhadap modal 0,45% -- Precentage of NOP to Capital
Berdasarkan peraturan BI mengenai PDN In accordance with BI regulation
sebagaimana telah direvisi melalui concerning NOP as amended by BI
Peraturan BI No. 6/20/PBI/2004 pada Regulation No.6/20/PBI/2004 on July 15,
tanggal 15 Juli 2004, yang terakhir 2004 and as further amended by BI
diperbarui dengan Peraturan BI Regulation No.12/10/PBI/2010 dated July
No. 12/10/PBI/2010 tanggal 1 Juli 2010, 1, 2010, the maximum NOP of banks
PDN bank setinggi-tingginya adalah 20% should be at the most 20% of capital. NOP
dari modal. PDN merupakan jumlah represents an absolute amount arising
absolut dari selisih antara aset dan from the differences between the assets
liabilitas dalam mata uang asing, baik and liabilities in foreign currencies in the
yang terdapat di laporan posisi keuangan statements of financial position and
maupun rekening administratif. PDN Bank administrative accounts. The NOP of the
pada tanggal 31 Desember 2025 telah Bank as of December 31, 2025 is in
memenuhi ketentuan BI. compliance with BI regulations.
133
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
47. Peristiwa Penting Setelah Periode 47. Significant Events After The Reporting
Pelaporan Period
Pembelian kembali saham sebesar 2.020.000 The repurchase of 2,020,000 shares with a total
lembar saham dengan nilai perolehan acquisition cost of Rp2,893,826,491, which
Rp2.893.826.491 yang masih terutang per remained payable as of 31 December 2025,
31 Desember 2025 telah diselesaikan di was settled in January 2026 (Note 24).
Januari 2026. (Catatan 24).
Bank melakukan pembelian kembali saham The Bank conducted a share buyback for a
Bank periode 3 (tiga) bulan berdasarkan period of 3 (three) months based on Information
Laporan Keterbukaan Informasi Disclosure Report No.131/BBHI/X/2025 dated
No.131/BBHI/X/2025 tanggal 29 Oktober 2025 October 29, 2025 until January 29, 2026,
terhitung sejak tanggal 30 Oktober 2025 effective from October 30, 2025. For the period
sampai dengan 29 Januari 2026. Untuk periode from January 1, 2026 to January 29, 2026, the
1 Januari 2026 sampai dengan Bank repurchased 12,362,300 shares with a
29 Januari 2026 Bank melakukan pembelian total acquisition value of IDR 17,908,691,148.
kembali saham sebanyak 12.362.300 lembar
saham dengan nilai perolehan
Rp17.908.691.148.
Berdasarkan Laporan Keterbukaan Informasi The share buyback period was subsequently
No. 021/BBHI/I/2026 tanggal 29 Januari 2026 extended for another 3 (three) months based on
Pembelian kembali saham Bank diperpanjang Information Disclosure Report
periode 3 (tiga) bulan terhitung sejak tanggal No.021/BBHI/I/2026 dated January 29, 2026,
30 Januari 2026 sampai dengan effective from January 30, 2026 until April 29,
29 April 2026, hingga 19 Februari 2026 untuk 2026. As of February 19, 2026, during this
periode tersebut telah diperoleh sebanyak extended period, the Bank had acquired
3.963.000 lembar saham dengan nilai 3,963,000 shares with a total acquisition value
perolehan Rp5.625.102.813. of Rp5,625,102,813.
Pelaksanaan transaksi pembelian kembali The implementation of the Bank’s share
saham Bank dilaksanakan melalui Bursa Efek buyback transactions was carried out through
Indonesia. the Bursa Efek Indonesia.
Sampai dengan 19 Februari 2026, Bank telah As of February 19, 2026, the Bank had
membeli kembali 106.716.100 lembar saham repurchased a total of 106,716,100 shares with
dengan total nilai perolehan sebesar an aggregate acquisition value of
Rp144.975.468.867 yang dicatat sebagai Rp144,975,468,867, which are recorded as
saham treasuri yang merupakan pengurang treasury shares and presented as a deduction
ekuitas. from equity.
Sampai dengan tanggal penyelesaian laporan As of the date of the finalization of the financial
keuangan, Bank belum melepaskan kembali statements, the Bank had not reissued any
saham treasuri sehingga tidak terdapat selisih treasury shares; therefore, there was no
harga perolehan dan harga pelepasan saham difference between the acquisition cost and the
treasuri. reissuance price of treasury shares.
48. Standar Baru dan Amendemen atas Standar 48. Standard and Amendment to Standards
yang Telah Disahkan Namun Belum Berlaku which has been Issued but Not Yet Effective
Efektif
Amendemen, revisi dan penyesuaian tahunan Amendments, revised and annual
atas standar yang berlaku efektif untuk periode improvements to standards which are effective
yang dimulai pada atau setelah 1 Januari 2026, for periods beginning on or after January 1,
dengan penerapan dini diperkenankan yaitu: 2026, with early adoption are as follows:
134
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
• Amendemen PSAK 109: Instrumen • Amendments PSAK 109 and PSAK 107
Keuangan dan PSAK 107: Instrumen regarding Classification and Measurement
Keuangan: Pengungkapan tentang of Financial Instruments;
Klasifikasi dan Pengukuran Instrumen
Keuangan;
• Penyesuaian Tahunan PSAK 107, PSAK • Annual Improvements on PSAK 107, PSAK
109, PSAK 110, dan PSAK 207; dan 109, PSAK 110, dan PSAK 207; and
• Revisi PSAK 338: Kombinasi Bisnis • Revised PSAK 338: Business Combination
Entitas Sepengendali terkait ruang lingkup of Entity Under Common Control regarding
dan penerapan metode penyatuan the scope and application of the method of
kepemilikan. pooling of interest.
Standar baru, revisi dan amandemen serta New, revised and amendment of standards
interpretasi atas standar yang berlaku efektif and interpretation of standard which are
untuk periode yang dimulai pada atau setelah effective for periods beginning on or after
1 Januari 2027, dengan penerapan dini January 1, 2027, with early adoption permitted,
diperkenankan yaitu: are as follows:
• PSAK 118: Penyajian dan Pengungkapan • PSAK 118: Presentation and Disclosure in
dalam Laporan Keuangan; Financial Statements;
• PSAK 119: Entitas Anak tanpa • PSAK 119: Subsidiaries without Public
Akuntabilitas Publik: Pengungkapan; Accountability: Disclosures;
• Amandemen PSAK 119: Entitas Anak • Amendment PSAK 119: Subsidiaries
tanpa Akuntabilitas Publik: without Public Accountability: Disclosures;
Pengungkapan;
• Revisi PSAK 401: Penyajian dan • Revised PSAK 401: Presentation and
Pengungkapan dalam Laporan Keuangan Disclosure in Sharia Financial Statements;
Syariah;
• ISAK 403: Komponen Laporan Keuangan • ISAK 403: Components of Financial
Entitas Syariah Yang Menerapkan SAK Reports of Sharia Entities That Apply
Indonesia Untuk Entitas Privat dan SAK Indonesian SAK for Private Entities and
Indonesia Untuk Entitas Mikro, Kecil, dan Indonesian SAK for Micro, Small, and
Menengah; Medium Entities;
• PSAK 413: Penurunan Nilai; dan • PSAK 413: Impairment; and
• PSAK 414: Penurunan Nilai Aset • PSAK 414: Impairment of Sharia Financial
Keuangan Syariah bagi Entitas yang Assets for Entities Implementing Indonesian
Menerapkan SAK Indonesia untuk Entitas SAK for Private Entities (SAK EP).
Privat (SAK EP).
Hingga tanggal laporan keuangan ini Until the date of the financial statements is
diotorisasi, Perusahaan masih melakukan authorized, the Group is still evaluating the
evaluasi atas dampak potensial dari penerapan potential impact of the adoption of new
standar baru, amandemen standar dan standards, amendments to standards and
interpretasi standar tersebut. interpretations of these standards.
49. Penyelesaian Laporan Keuangan 49. Completion of Financial Statement
Manajemen Bank bertanggung jawab atas The management of the Bank is responsible for
penyusunan dan penyajian kewajaran laporan the preparation and fair presentation of these
keuangan ini sesuai dengan Standar Akuntansi financial statements in accordance with
Keuangan di Indonesia, yang diselesaikan dan Indonesian Financial Accounting Standards,
disetujui untuk diterbitkan oleh Direksi pada which were completed and authorized
tanggal 23 Februari 2026. by the Board of Directors for issue on
February 23, 2026.
135
Page 708
Page 709
Page 710
Membuka Jalan Semua Kemudahan
dalam Satu Genggaman
Opening Path to A Simple Life at
Your Fingertips
Laporan Tahunan & Laporan Keberlanjutan 2025 Annual Report & Sustainability Report
PT Allo Bank Indonesia Tbk
Menara Bank Mega Lt. 5 dan 6
Jl. Kapten P. Tendean No. 12-14A,
Jakarta 12790
Telp. 62-21 5098 1399 (Hunting)
AlloCare 080 4110 4110
www.allobank.com
Names mentioned 168 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.3 ×239
unresolved
org
Financial Services Authority
p.3 ×16
unresolved
org
Grup CT Corp
p.4 ×2
unresolved
org
CT Corp
p.4 ×5
unresolved
org
Business Projections Allo Bank Indonesia Tbk
p.8
unresolved
org
Bank Milestones
p.8 ×2
unresolved
org
Bank GCG Information
p.9
unresolved
person
Organ Pendukung
· Komisaris
p.9
unresolved
person
Guidelines
· Komisaris
p.9
unresolved
—
Equal Treatment for All Shareholders
p.9
unresolved
org
Provision of Large Funds
p.9
unresolved
org
Bank Bonds
p.9
unresolved
person
Anti-Corruption Policy
· Commissioner
p.9
unresolved
org
Bank Indonesia Giro
p.17
unresolved
org
Allo Bank Tbk
p.21 ×7
unresolved
org
Indonesia Tbk
p.21 ×4
unresolved
org
PT Mega
p.21 ×2
unresolved
org
PT Indolife Investama Perkasa Investment Pte. Ltd.
p.21
unresolved
org
Indonesia Stock Exchange
p.21 ×6
unresolved
org
Bank Hangout
p.26 ×5
unresolved
org
Bank Pelita Gerakan Acara Meet
p.26
unresolved
org
Bank WONWOO
p.26
unresolved
org
Bank Pelita Ramadan Sharing
p.26
unresolved
org
Bank Pelita
p.26 ×6
unresolved
org
Yayasan Pondok Pesantren Mahabbatul Yatim
p.26
unresolved
org
Bank Brand Ambassadors
p.26 ×2
unresolved
org
Bank Brand Ambassadors WONWOO
p.26
unresolved
org
Bank Gandeng Visa
p.27
unresolved
org
Bank Issues Virtual Debit Card Allo Visa
p.27
unresolved
org
Bank Gelar RUPST
p.27
unresolved
org
Bank Holds Annual GMS
p.27
unresolved
org
Bank Rayakan Third Anniversary Allo Bank Celebrates Its
p.28
unresolved
org
Bank Festival Allo Bank Festival
p.28
unresolved
org
Bank Festival
p.28 ×5
unresolved
org
Bank Wins
p.29
unresolved
org
Bank KBMI II
p.29
unresolved
org
Bank Receives The Best Bank KBMI II
p.29
unresolved
org
Bank Kategori KBMI II
p.29
unresolved
org
Bank Takes Part
p.30
unresolved
org
Virtual Debit Card. Indonesia Deposit Insurance Corporation
p.30
unresolved
org
Bank Pimpin Pinjaman Sindikasi
p.31
unresolved
org
Bank Leads Syndicated Loan
p.31
unresolved
org
PT SKPlasma Core Indonesia
p.31 ×2
unresolved
org
Bank Lanjutkan Kerjasama
p.31
unresolved
org
Yayasan CT Arsa
p.31 ×4
unresolved
org
Bank Indonesia's
p.36 ×6
unresolved
person
Annual GMS
· Commissioner
p.42 ×9
unresolved
org
Bank Governance Implementation Allo Bank
p.54
unresolved
person
Dharma Akhyuzi S.H.
· Notaris
p.56 ×9
unresolved
—
Asah
· Director
p.56 ×2
unresolved
person
Ganda
· Direktur
p.56 ×3
unresolved
person
Sajal
· Direktur
p.56 ×3
unresolved
—
Bhatnagar
· Director
p.56
unresolved
org
Bank Organizational Structure
p.56
unresolved
org
Bank Human Resource Development Hingga
p.60
unresolved
person
Plt.
· Direktur Utama
p.61 ×5
unresolved
org
Bank Company Nickname Bidang
p.68
unresolved
org
PT Bank Arta Griya Name Changes
p.68
unresolved
org
PT Bank Harda Griya
p.68 ×9
unresolved
org
Bank Harda Internasional Tbk
p.68 ×40
unresolved
person
Poerbaningsih Adi Legal Basis
p.68
unresolved
org
Menteri Keuangan Republik Indonesia
p.68
unresolved
person
Poerbaningsih Adi Warsito. Notarial Deed
p.68 ×2
unresolved
org
Minister of Finance
p.68
unresolved
org
PT Bank Arta Griya
p.70 ×6
unresolved
org
Minister of Justice
p.70 ×2
unresolved
org
Menteri Kehakiman Republik Indonesia
p.70 ×2
unresolved
org
PT Bank Arta
p.70
unresolved
org
South Jakarta District Court
p.70
unresolved
org
PT Bank Harda Internasional Poerbaningsih Adi Warsito
p.70
unresolved
person
Ekadewi
p.70
unresolved
person
Wiryomartani
p.71
unresolved
person
West Jakarta. The S.H.
p.71
unresolved
org
Minister of Law and Human Rights
p.71 ×3
unresolved
org
PT Mega Corpora. Setelah
p.71 ×2
unresolved
org
PT Mega Corpora. After
p.71 ×2
unresolved
org
Bank Bank Harda Internasional Tbk
p.71 ×2
unresolved
org
Harda Internasional Tbk
p.71
unresolved
org
Minister of Law and Human Menteri Hukum dan Hak Asasi Manusia Republik Indonesia
p.72
unresolved
org
PT Bank Arta Griya. Mengikuti
p.73
unresolved
org
PT Bank Harda Griya The Bank
p.74
unresolved
org
Bank Harda Changed
p.74
unresolved
org
Bank Harda
p.74 ×2
unresolved
org
PT Allo
p.74 ×5
unresolved
org
Allo
2023
Bank Indonesia
p.74
unresolved
org
Asian Banker Internasional Tbk
p.74
unresolved
org
PT Pemeringkat Efek
p.74 ×2
unresolved
org
Bank Fest
p.74
unresolved
org
Bank Grand Launching
p.74 ×2
unresolved
org
Bank Hangout Bersama Commenced
p.75
unresolved
org
PT Bank Harda International
p.75
unresolved
person
Akhyuzi
p.76
unresolved
org
Menteri Hukum dan Hak Asasi
p.76
unresolved
person
Arief
p.83
unresolved
—
Pejabat Eksekutif
· Komisaris Independen
p.84 ×2
unresolved
—
Executive
· Independent Commissioner
p.84 ×2
unresolved
org
PT Dyandra
p.85 ×2
unresolved
org
Bank BRI Tbk
p.85 ×4
unresolved
—
PUREK II
· Ketua
p.85
unresolved
—
Proper Sdri. Rosmaya
· Komisaris Independen
p.86
unresolved
org
Bank Indonesia International Payment System Resource Person
p.86
unresolved
—
Kepatutan Sdr. Ali
· Anggota
p.87
unresolved
person
Ali
p.87 ×2
unresolved
org
PT CT Corpora
p.87 ×4
unresolved
org
Kantor Akuntan Publik Prasetio
p.87
unresolved
org
Permata Tbk
p.90
unresolved
org
Bank ANZ Indonesia
p.91 ×2
unresolved
org
Bank Sahabat Sampoerna
p.91 ×2
unresolved
org
Communications Pvt. Ltd.
p.93 ×2
unresolved
org
PT Bank Barclays Indonesia
p.94 ×2
unresolved
org
Shenzhen Qianhai WeBank Co., Ltd
p.96 ×2
unresolved
org
Ping An Puhui Investment Consulting Co., Ltd
p.96
unresolved
org
Taiping E-commerce Co., Ltd
p.96 ×2
unresolved
org
Pan Asia Technical Automotive Co., Ltd
p.96
unresolved
org
Center Co., Ltd
p.96
unresolved
person
Enimarya Agoes Suwarko
· Notaris
p.118
unresolved
person
Suwarko
p.118
unresolved
org
Menteri Kehakiman
p.118
unresolved
org
Ministry of Justice
p.118
unresolved
person
Dedy Syamri
· Notaris
p.118
unresolved
org
Ministry of Law and Human Direktorat Jenderal Administrasi Hukum Umum Kementerian
p.118
unresolved
org
PT Mega Corpora Main Business Activities
p.118
unresolved
org
Direktorat Jenderal Administrasi Hukum Umum
p.120
unresolved
org
Directorate General of General Legal Kementerian Hukum dan Hak Asasi Manusia Republik Indonesia
p.120
unresolved
org
Ministry of Law and Human Rights
p.120
unresolved
person
Piagam
· Komisaris
p.128
unresolved
org
Refreshment Sertifikasi Manajemen Risiko Jenjang
· Komisaris Utama
p.129 ×4
unresolved
org
Risk Management Certification Briefing
· Commissioner
p.129 ×2
unresolved
org
Bank Indonesia BI FGD
p.129
unresolved
org
Bank Autonomous Decision Making
p.130
unresolved
—
Siswandi Pujo
· Anggota Komite
p.130
unresolved
—
Sasongko
· Audit
p.130
unresolved
—
Lista Irna
· Anggota Komite
p.130
unresolved
—
Netty Delima
· Human Capital
p.130
unresolved
org
PT Trans Fashion
p.172
unresolved
org
PT Metropolitan
p.172
unresolved
org
PT Alfa Retailindo
p.172
unresolved
org
PT Para Bandung
p.172
unresolved
person
Perseorangan
· Komisaris
p.172
unresolved
org
Bank Non-Devisa
p.188
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